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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we

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Speaker 1: get started on She's on the Money podcast, I would

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Speaker 1: like to acknowledge the traditional custodians of the land of

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Speaker 1: which this podcast is recorded on a wondery country, acknowledging

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Speaker 1: the elders, the ancestors and the next generation coming through

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Speaker 1: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impactful tomorrow.

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Speaker 2: Let's get into it. She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money cast for

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Speaker 2: millennials who want financial freedom. Today, my friends, it is

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Speaker 2: Friday again, which means it is time to get a

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Speaker 2: little team together and celebrate you how incredible. She's on

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Speaker 2: the Money community today, mister Garci's going to be sharing

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Speaker 2: our favorite money wins from the community. Miss becksayed she's

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Speaker 2: here to share her favorite broke tips. We'll be helping

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Speaker 2: to answer a juicy money dilemma, which this week is

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Speaker 2: all about private health insurance, and we're going to be

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Speaker 2: unpacking something that you slid into our DMS, about which

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Speaker 2: this week we're talking about being ghosted by a family

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Speaker 2: member who owes you fifteen grand Yeah? Wild right. But

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Speaker 2: before we get there, my friends, how have your weeks been?

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Speaker 1: Bear?

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Speaker 2: Let's start with you.

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Speaker 4: Well, what have I been doing this week? It's actually

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Speaker 4: been really really lovely.

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Speaker 2: She was an employed girl.

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Speaker 4: I'm employeed Hella. I did, though, unfortunately get in aviction. Notice,

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Speaker 4: I know I've forgot to know you guys.

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Speaker 2: Sorry, I just forgot that.

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Speaker 4: Yeah, I've got I'm actually homeless right now.

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Speaker 2: Come into the studio. I'm like, how are you backing?

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Speaker 2: You're like, great, they are.

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Speaker 4: Nothing to report only yeah, I know it.

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Speaker 2: So it's what happened when where?

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Speaker 4: How It's just that our house is apparently in the

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Speaker 4: habitable How do I say that uninhabitable? Uninhabitable just because

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Speaker 4: you live there? Yeah, And it's also like the rent

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Speaker 4: is really cheap, and we love this.

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Speaker 2: Place, like it because it's bad, because.

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Speaker 4: It's really bad, and like we didn't mind, like we

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Speaker 4: never complained. There is literally like the front of the

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Speaker 4: house is detached from the rest of the house. It's

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Speaker 4: just it's falling down. It's going to fall one day

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Speaker 4: and there's the holes in my roof, Like, but we

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Speaker 4: don't mind. We love this location, we love this house.

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Speaker 2: Your optimism is something that they wish more of us shared.

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Speaker 4: But yeah, unfortunately they did have someone come through and

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Speaker 4: just like do their their regular checks and like what

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Speaker 4: they can. They must have been shocked.

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Speaker 2: They were pretty sure that you were not complaining genuinely

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Speaker 2: before that becks like, don't tell them it's really cheap.

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Speaker 2: Don't bring that up. Don't bring it up like you

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Speaker 2: guys probably have issues. And then you just don't tell

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Speaker 2: the real estate agents. And when the check, they're like, sorry,

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Speaker 2: I thought we're coming to check a house. What is this?

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Speaker 4: Yeah, basically we will found out. Everyone was found out.

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Speaker 4: They need to do renovations and kick us out. But

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Speaker 4: it's okay, you.

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Speaker 2: Know, we're not okay.

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Speaker 4: We're going to maybe try and reapply after even though

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Speaker 4: it's going to be way less cheap.

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Speaker 2: But yeah, you know, you do you got to do.

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Speaker 2: You've got to find a house in the interim. Yeah, stressful.

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Speaker 4: So for anyone listening, I am on the house hunt.

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Speaker 4: I am I am in the house hunt.

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Speaker 2: I like this very you know we should try and

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Speaker 2: sell you like, yeah, not actually for money, but like

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Speaker 2: we should pitch you as no, we're a housemate to have.

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Speaker 5: True.

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Speaker 2: So if anyone is based in Melbourne, what's your ideal suburb?

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Speaker 4: Okay, ideally feel through a North Carton North.

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Speaker 2: Okay, we're looking for a room in Fitzroy Carlton North

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Speaker 2: six five four walls.

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Speaker 4: Yeah, I think that's one of anything.

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Speaker 2: Like that's negotia sable where opened to detach?

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Speaker 4: Are I'm over to three, I'm over to two. I

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Speaker 4: there's no prerequisites on my end.

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Speaker 2: I feel like you'd be a great housemate too, I really,

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Speaker 2: I really, You and I would live together and I'd

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Speaker 2: come home and I'd be like, sorry, I ate all

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Speaker 2: the leftovers you left in the freege and you'd be like,

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Speaker 2: no worries. They were really good, weren't they. You're allowed

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Speaker 2: If my ages as stuff should come after you with

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Speaker 2: the hunting knife.

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Speaker 4: It said my name, it would say her name and

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Speaker 4: the date that she opened it, even though she's the

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Speaker 4: only one that's going to go eat that. Yeah, that's and.

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Speaker 2: It would like be incursive as well, Jessica.

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Speaker 5: I wrote it on the cricket, all different type faces,

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Speaker 5: just in case yep, yep.

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Speaker 2: I like it just would be like, but I text

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Speaker 2: you about that. I text you, I labeled it. I

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Speaker 2: also sent an email and there's a memo on the

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Speaker 2: house noticeboard to not eat my things.

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Speaker 4: That in the actual newspaper the Cday Morning, Harold, I

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Speaker 4: was actually in the week. I think everything will be okay,

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Speaker 4: everything will work out.

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Speaker 2: I'm sorry, thank you. So that's really terrible.

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Speaker 4: I'm sorry because it's cut.

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Speaker 2: That's just really trash.

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Speaker 4: Well, you know, you do what you got to do.

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Speaker 4: I guess it's nice.

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Speaker 2: I got a new sofa bed if you need a

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Speaker 2: room interim, so you just let me know. The house

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Speaker 2: does have three pets and a baby though, so I'm

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Speaker 2: not sure you'll be sold on it, but like I

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Speaker 2: can try.

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Speaker 4: You get what you get though, you get an extra baby.

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Speaker 2: Yeah, Jessica, how are you. I'm good.

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Speaker 5: It's been a bit of week, you know, just you know,

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Speaker 5: I can't complain.

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Speaker 2: I feel like you're really gone.

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Speaker 5: And she's like, whoa, and yeah, have you seen the

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Speaker 5: new inside Out movie yet? You guys inside don't they

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Speaker 5: they get anxiety? So when we saw the first one,

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Speaker 5: James was like, have you seen the first one?

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Speaker 2: They're sad?

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Speaker 5: So yes, like you need to need to watch everything

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Speaker 5: sad and James like, that's kind of sometimes you And

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Speaker 5: then we saw the new one and anxiety he was

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Speaker 5: there and he was like, maybe that want's you. So anyway,

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Speaker 5: I feel like I've just been really feeling the feel

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Speaker 5: this week my.

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Speaker 2: Poor having some healthy shues with my cat. Unfortunately he'll

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Speaker 2: be okay, but it's just challenging when it happens, stressful.

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Speaker 5: And it's crazy because like, obviously you know that you

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Speaker 5: love your pets day day, like you're very conscious of

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Speaker 5: the fact that you love them.

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Speaker 2: You do all them in your babies, but.

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Speaker 5: Like when they're sick, I'm like, oh, like you are

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Speaker 5: my child, you are my ward and I am solely

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Speaker 5: respond like because they can't talk to you too.

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Speaker 2: It's so hard. So I just have been so upset

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Speaker 2: and worried.

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Speaker 5: And feeling like a bad parent because he's been unwell

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Speaker 5: and it's gonna be a lot of money to deal

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Speaker 5: with and say like that's stressful. But I came into

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Speaker 5: a lovely surprise, so like silver lining, I came in

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Speaker 5: and she's got a crazy treat for me, which is lovely,

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Speaker 5: So I can't complain. It's been a good week. I

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Speaker 5: bought a sewing machine two so I saw that on TikTok.

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Speaker 2: I saw that on TikTok. She's in her sewing error.

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Speaker 5: I'm gonna channel all of my energy into making a really.

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Speaker 2: Cute pair of hopefully right now. I would like to

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Speaker 2: point out that she hand sewed her entire Taylor swift

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Speaker 2: eras tour.

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Speaker 4: Yeah, so haberdasheris y yeah.

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Speaker 2: And then I would argue that this is a later purchase.

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Speaker 2: It should have been an earlier purchase. Your life would

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Speaker 2: have been much easier with the sewing machine. But you

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Speaker 2: get what you get and you don't get upset incredibly.

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Speaker 2: I feel like we need to take you back to

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Speaker 2: year seven textiles and find one of those like workbooks

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Speaker 2: that we had in grade seven for textiles of you know,

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Speaker 2: how to do basic sharing, how to do basic stitches,

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Speaker 2: and you can start there and then making box of shorts.

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Speaker 5: I'm going to make a little bow tar. I'm going

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Speaker 5: to be hopefully churning out the projects.

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Speaker 2: I'm excited. Energy is going to go there. How's your

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Speaker 2: week been. My week's been good. It was my birthday

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Speaker 2: last weekend, which was really fun. I feel like the

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Speaker 2: older you get, the less you do for your birthdays.

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Speaker 2: So I did approximately nothing. I went out and it

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Speaker 2: was love lunch and it was delicious. I think the

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Speaker 2: most exciting thing that happened on my birthday was I

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Speaker 2: met my best friend's new baby, and that just made

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Speaker 2: my entire day. So I was sold. I kind of

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Speaker 2: like walked into the cafe, beelined for her baby, took it,

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Speaker 2: ran yeah, this is mine now, thank you? Yeah. I

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Speaker 2: mean that would be unacceptable if I didn't know her

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Speaker 2: so well, so do ask for consent when wanting to

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Speaker 2: pick up someone else's baby. But it made my day.

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Speaker 2: And then I had two babies. I had my baby

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Speaker 2: and her baby, and I was like, you guys can

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Speaker 2: be friends. Yeah, you guys timed that so well. It

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Speaker 2: was so accidental. The day she told me that she

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Speaker 2: was pregnant, I literally cried. I was like, you can't

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Speaker 2: be because I am like, this is so rude, like

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Speaker 2: and so now baby's like four months apart, and I

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Speaker 2: just think that's the coolest thing ever, because like, in

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Speaker 2: the grand scheme of things, four months is.

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Speaker 4: Nothing like totally, which is just so cool.

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Speaker 2: It's just so cool. Anyway, bestI is or married or married,

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Speaker 2: Oh so sweet. I am working towards the long game

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Speaker 2: of one day being related to my best friend. I

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Speaker 2: might imagine.

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Speaker 4: It's so sweet.

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Speaker 2: We would be the best mother in laws.

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Speaker 5: How easy would life be if your mum's were best friends?

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Speaker 2: So good, Harvey, if you're listening to this, I've got

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Speaker 2: a girlfriend for you in the future. Easy done. Until

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Speaker 2: then you can just be friends. That's fine, that's fine. Anyway,

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Speaker 2: let's get on to the community. Jess. You were saying

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Speaker 2: before that there are some good money wins this week,

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Speaker 2: so I want to know what have you pulled out?

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Speaker 5: Absolutely a very timely one this week from Casey, who

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Speaker 5: sent I sent in all the details for my tax

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Speaker 5: return on July first.

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Speaker 2: I've been working on it for the few weeks. That's

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Speaker 2: a lie.

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Speaker 5: No one does that, so that it was ready to

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Speaker 5: send through as soon as the financial year ticked over.

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Speaker 5: I also managed to save enough to purchase some much

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Speaker 5: needed deductible items in the last week. And I'm like,

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Speaker 5: I like to be organized with my tax return, like

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Speaker 5: I want that money asap, but I'm not July first.

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Speaker 2: Kind of material. So hats off to you, Casey. Well done.

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Speaker 2: July first is so impressive. Crazy.

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Speaker 5: Imagine being the first, Like, I wonder if someone Yeah,

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Speaker 5: I wonder if there's someone out there who's literally like

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Speaker 5: twelve oh one.

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Speaker 2: It has to be a man at the ATO who's

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Speaker 2: like looking at submissions. I know it's all done electronically,

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Speaker 2: so just sit down, but imagine if there's someone who's like,

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Speaker 2: who was first? How do you know?

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Speaker 5: I wish there was like there has to be a fact,

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Speaker 5: and I wish there was like a little a little

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Speaker 5: certificate or something, because like when you signed your books

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Speaker 5: for the new book launch that came out the Money

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Speaker 5: Diaries is She's and the money you wrote in the

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Speaker 5: first book you signed, this is the first book signed.

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Speaker 2: So I've done that always with all of my books.

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Speaker 2: I'm like, this is my first signed book, even if

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Speaker 2: it yeah, but I just thought it was really hart.

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Speaker 5: Imagine you taxed your can and coming back and being like,

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Speaker 5: by the way, great job, baby, You're just like I

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Speaker 5: just think that would be so funny.

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Speaker 2: I just like winning, so that would be like I

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Speaker 2: just need to know, Yeah, where did I see it? Crazy?

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Speaker 2: Maybe it was Casey? Who knows.

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Speaker 5: Next, I've got a money win from Mia who said

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Speaker 5: she ended up getting a dream role at Amazon, which

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Speaker 5: on top of base salary, has a two year sign

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Speaker 5: on bonus and shares as a part of her package.

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Speaker 5: Money win is that it will allow her and her

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Speaker 5: husband to not worry about cost of living too much

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Speaker 5: right now. Money loss push her into the next tax bracket,

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Speaker 5: which is arguably not a bad problem to have.

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Speaker 2: Totally. I don't feel bad for you. No, congratulations me out.

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Speaker 2: That's very exciting. Congrat's.

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Speaker 5: Next, I've got a money in from Claire, who said

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Speaker 5: my iPhone stopped charging, so I bought a refurbished iPhone

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Speaker 5: online in excellent condition, switched from Telstra to amaze him,

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Speaker 5: and she's now only paying thirty dollars a month and

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Speaker 5: she gets all of her data and it rolls over.

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Speaker 5: Oh great, love that. Next, I've got a money in

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Speaker 5: from Courtney, who said she ordered herself a top up

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Speaker 5: of the go to Skincare very useful face cream.

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Speaker 2: That's stuffs delicious, so good. We love bitg to skincare.

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Speaker 2: In this house.

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Speaker 5: They were running a Lucky Dip promotion at the time,

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Speaker 5: where you would get two full sized products randomly selected

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Speaker 5: for free, and she had another tub of the face

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Speaker 5: cream as well as a boy.

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Speaker 2: That's like something you already wanted.

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Speaker 5: She's like, this is amazing, one hundred and thirty dollars

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Speaker 5: a free product and I literally use it daily.

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Speaker 2: How good?

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Speaker 5: Incredible.

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Speaker 2: Imagine if you've got a free face hero jess.

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Speaker 4: Oh Fazer delicious.

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Speaker 2: We love bathing that stuff at night. I'm like, I'm

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Speaker 2: going to bed oily every night I wake feels yeah.

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Speaker 2: And the little seal, I'm just the little baby seal.

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Speaker 5: And then lastly, I've got a money win it this

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Speaker 5: week from Summer, who said she participated in an online

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Speaker 5: study recently and it covered part of her grocery cost.

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Speaker 5: She also made to get ten percent off, and there

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Speaker 5: was an extended layby option, which means she's managed to

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Speaker 5: get a bunch of things sorted out ahead of time

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Speaker 5: at a hugely discounted price.

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Speaker 2: Great good work. I feel like that's a very good bunch.

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Speaker 2: That's it.

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Speaker 5: She's tidied it all together. And don't forget layby. We

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Speaker 5: love a layby, love a labor. Christmas is coming. We're

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Speaker 5: in the Christmas half of the year. People, It's officially

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Speaker 5: Christmas season. Okay, okay, calm down, calm down. Christmas is sweaty,

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Speaker 5: Christmas is.

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Speaker 2: Jessica's crack I'm actually so surprised that when she said, oh,

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Speaker 2: I bought a sewing machine this week, that she wasn't like,

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Speaker 2: I'm decorating the house Christmas like, honestly, Christmas is ess

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Speaker 2: it's time to shine. I do have to disclaimer that

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Speaker 2: she is often in charge of all of the She's

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00:13:08,520 --> 00:13:11,160
Speaker 2: on the Money Christmas episodes because who better to do

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Speaker 2: it than missus clause we.

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Speaker 5: Love a Christmas moment and you start lay by. Now,

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00:13:15,760 --> 00:13:17,280
Speaker 5: pay a little bit of money each week or each

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00:13:17,360 --> 00:13:20,160
Speaker 5: month between now and Christmas, and it might be a

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00:13:20,200 --> 00:13:20,960
Speaker 5: little easier for you.

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Speaker 4: Absolutely, you look like a Christmas star today. I should say,

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Speaker 4: what's thet you pop a top of Christmas tree?

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Speaker 2: Put an angel on top of the tree. Seriously, I

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00:13:30,440 --> 00:13:32,760
Speaker 2: want to know you're broke. To say if you lay

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00:13:32,760 --> 00:13:35,640
Speaker 2: by is also a good broke tip. Now, that is

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00:13:35,679 --> 00:13:39,080
Speaker 2: so true, because I feel like someone like you bet

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00:13:39,200 --> 00:13:40,960
Speaker 2: who you're like, I'm not going to save It's just

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00:13:40,960 --> 00:13:42,760
Speaker 2: not going to happen. But if I took a little

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00:13:42,760 --> 00:13:44,600
Speaker 2: bit away from you each month and then at the

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Speaker 2: end was like, oh, by the way, here's all your

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00:13:47,280 --> 00:13:49,440
Speaker 2: Christmas presents, you'd be like they're basically free.

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Speaker 4: Yeah, I really do like that idea. And I guess like,

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Speaker 4: if you get to the end of the year or

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00:13:54,520 --> 00:13:56,280
Speaker 4: whenever you've paid it off and you don't want it anymore,

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00:13:56,320 --> 00:13:57,360
Speaker 4: can you get a refund because I.

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Speaker 2: Feel like that.

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00:13:57,920 --> 00:14:00,920
Speaker 4: You know, I don't leave four hour gap, as you say,

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00:14:01,200 --> 00:14:03,320
Speaker 4: between you and your purchase, surely because.

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00:14:03,080 --> 00:14:05,760
Speaker 2: You haven't taken the product totally, so I feel it's

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00:14:05,760 --> 00:14:07,280
Speaker 2: still for sale potentially.

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00:14:07,480 --> 00:14:09,000
Speaker 4: Yeah, it's a cheeky way to save money.

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Speaker 2: Oh god, no, we're not using No, I don't endure that.

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00:14:13,679 --> 00:14:17,120
Speaker 2: But I see, I see your logic. I admire the

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00:14:17,200 --> 00:14:19,480
Speaker 2: logic and picking up the logic and putting it in

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Speaker 2: the bin.

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00:14:21,480 --> 00:14:23,480
Speaker 4: Okay, well I'll fish it out.

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00:14:25,640 --> 00:14:27,920
Speaker 5: I love that I.

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00:14:30,440 --> 00:14:35,280
Speaker 2: Live I live on TikTok Ala Bell. It means in

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00:14:35,320 --> 00:14:37,320
Speaker 2: the bin, yeah, man.

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00:14:37,360 --> 00:14:40,200
Speaker 5: And he just describes people doing things. He's like, if

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00:14:40,200 --> 00:14:41,680
Speaker 5: you go to dinner and he doesn't open the door

324
00:14:41,680 --> 00:14:44,920
Speaker 5: for you, it's just like, it's we've got to share.

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00:14:44,960 --> 00:14:46,560
Speaker 2: It's so funny. If you go to dinner and he

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00:14:46,600 --> 00:14:47,760
Speaker 2: doesn't pull the chair out for you.

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00:14:48,640 --> 00:14:51,040
Speaker 4: Bell, it's so beautiful.

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00:14:51,040 --> 00:14:54,600
Speaker 2: It's beautiful. And he's got a beautiful, smooth French voice.

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00:14:55,120 --> 00:14:57,520
Speaker 2: He knows what he's doing anyway, what's your broke tip?

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00:14:57,760 --> 00:14:57,920
Speaker 1: Oh?

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00:14:58,000 --> 00:15:01,600
Speaker 4: Yeah, okay, I don't have anything French related, but if.

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00:15:01,400 --> 00:15:04,120
Speaker 2: You just say your broke tips in a French accent.

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00:15:04,080 --> 00:15:07,280
Speaker 4: Oh, I'm really bad at French accent.

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00:15:07,280 --> 00:15:09,160
Speaker 2: Okay, let's not do that. I feel like we defend

335
00:15:09,200 --> 00:15:12,080
Speaker 2: a few people anyway, so I may as well.

336
00:15:11,960 --> 00:15:15,160
Speaker 4: Not barrass myself now. As you guys know, if you

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00:15:15,200 --> 00:15:17,200
Speaker 4: do have any broke tips, please send them through to

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00:15:17,240 --> 00:15:18,320
Speaker 4: me at Beckside.

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00:15:18,400 --> 00:15:19,840
Speaker 2: Be easy, s y D.

340
00:15:20,360 --> 00:15:23,040
Speaker 4: I am running low. So all three of these are

341
00:15:23,440 --> 00:15:25,920
Speaker 4: not from my girlfriend. One of them is from a

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00:15:25,920 --> 00:15:30,920
Speaker 4: community member named Pessica.

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00:15:31,080 --> 00:15:33,280
Speaker 2: Did you hold on? Did you go and do your

344
00:15:33,280 --> 00:15:35,800
Speaker 2: homework by asking your girlfriend to do it for you?

345
00:15:35,800 --> 00:15:36,600
Speaker 2: You're surprised.

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00:15:36,600 --> 00:15:37,560
Speaker 4: She's shockingly good.

347
00:15:37,640 --> 00:15:41,040
Speaker 2: She's got so many you know, right, we won't hold

348
00:15:41,080 --> 00:15:45,560
Speaker 2: that again. Shout out to Beck's girlfriends. Jessica, not this Jessica.

349
00:15:45,800 --> 00:15:48,680
Speaker 2: It turns out all Jessica's are legends, so turned out

350
00:15:48,920 --> 00:15:51,360
Speaker 2: comes of the name. So this way weird Beck. Instead

351
00:15:51,360 --> 00:15:53,640
Speaker 2: of broke tips from the community, we have broke tips

352
00:15:53,640 --> 00:15:54,840
Speaker 2: from jess What are they?

353
00:15:55,000 --> 00:15:55,040
Speaker 1: Do?

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00:15:55,160 --> 00:15:55,680
Speaker 6: You know that?

355
00:15:56,520 --> 00:15:59,640
Speaker 4: So the first one is actually kind of smart, so

356
00:15:59,720 --> 00:16:04,360
Speaker 4: it's foundation membership. So yeah, yeah, I think a lot

357
00:16:04,360 --> 00:16:06,440
Speaker 4: of like a lot of the community members to kind

358
00:16:06,480 --> 00:16:08,720
Speaker 4: of send in. Also, this is another just like aside.

359
00:16:08,920 --> 00:16:10,880
Speaker 4: If you send me a broke tip and I haven't

360
00:16:10,920 --> 00:16:13,200
Speaker 4: mentioned it, I'm really sorry. It's probably because I've said

361
00:16:13,200 --> 00:16:14,960
Speaker 4: it before in some sort of other way, So just

362
00:16:15,040 --> 00:16:17,120
Speaker 4: know that I will read yours out unless it's been

363
00:16:17,120 --> 00:16:20,240
Speaker 4: mentioned before. So one that we do mention is say,

364
00:16:20,400 --> 00:16:23,040
Speaker 4: you know, go for trials different gyms and things like that.

365
00:16:23,200 --> 00:16:26,720
Speaker 4: Great idea, but if you don't want to kind of

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00:16:26,760 --> 00:16:28,960
Speaker 4: like go through the effort of making I have like

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00:16:29,560 --> 00:16:33,040
Speaker 4: seventeen emails from just doing different trials, And if you

368
00:16:33,040 --> 00:16:36,440
Speaker 4: don't want to do that, just google gyms that are

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00:16:36,480 --> 00:16:38,320
Speaker 4: opening near you, gyms that are maybe having like a

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00:16:38,320 --> 00:16:40,920
Speaker 4: renovation sale or like end of financial year, all these

371
00:16:40,920 --> 00:16:43,120
Speaker 4: different things. It's always a big sale on But the

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00:16:43,160 --> 00:16:46,240
Speaker 4: Foundation memberships are very, very cheap. I currently pay like

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00:16:46,280 --> 00:16:48,560
Speaker 4: thirteen dollars anytime finness and I will forever.

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00:16:48,760 --> 00:16:50,440
Speaker 2: That's actually such a good deal.

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00:16:50,680 --> 00:16:53,800
Speaker 4: Totally, it's so cheap, So just have a look before

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00:16:53,840 --> 00:16:56,680
Speaker 4: you commit to anything. You can trial in the meantime.

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00:16:56,720 --> 00:16:59,320
Speaker 4: But if you do know that there's something that's being

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00:16:59,360 --> 00:17:01,240
Speaker 4: built or something in the works and they have a

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00:17:01,240 --> 00:17:03,760
Speaker 4: foundation membership sale. Just give it to go.

380
00:17:04,280 --> 00:17:04,560
Speaker 2: Okay.

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00:17:04,560 --> 00:17:07,680
Speaker 4: The next one is take stuff to not op shops.

382
00:17:07,720 --> 00:17:09,000
Speaker 4: I don't know if this is cheeky or not, but

383
00:17:09,040 --> 00:17:11,480
Speaker 4: go to like, you know, your good Buys or your

384
00:17:11,640 --> 00:17:14,200
Speaker 4: my one of my friends has a shop in Brunswick

385
00:17:14,320 --> 00:17:16,919
Speaker 4: called Still Good. You basically take your clothes and they

386
00:17:16,960 --> 00:17:18,919
Speaker 4: will give you money or like a credit or.

387
00:17:18,760 --> 00:17:22,800
Speaker 2: Something like that. So what's it called consignment? Consignment store?

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00:17:22,880 --> 00:17:23,320
Speaker 4: Thank you?

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00:17:23,560 --> 00:17:25,919
Speaker 2: Okay, I like money, so this is.

390
00:17:25,920 --> 00:17:28,399
Speaker 4: A good Money is good even if it's a credit

391
00:17:28,720 --> 00:17:30,760
Speaker 4: for other clothes. I feel like it's a I.

392
00:17:30,760 --> 00:17:33,240
Speaker 2: Mean, that's a good deal if you're planning on donating them,

393
00:17:33,240 --> 00:17:35,840
Speaker 2: but you're in that like limbo of like it's too

394
00:17:35,880 --> 00:17:39,160
Speaker 2: good to just like donate, Like should I be selling them?

395
00:17:39,200 --> 00:17:40,840
Speaker 2: Should I be like Jess and put it all on

396
00:17:40,960 --> 00:17:42,600
Speaker 2: deep hop? No, I can't be. But like that's a

397
00:17:42,600 --> 00:17:43,639
Speaker 2: good interim.

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00:17:43,640 --> 00:17:46,960
Speaker 4: Totally exactly. So yeah, a little bit of extra cash

399
00:17:47,040 --> 00:17:49,920
Speaker 4: just splash on the side. And then this third one

400
00:17:50,320 --> 00:17:53,800
Speaker 4: is probably more amazing. I don't know if you guys

401
00:17:53,880 --> 00:17:56,480
Speaker 4: personally will use this, but you know I love Meredith,

402
00:17:56,520 --> 00:17:58,639
Speaker 4: you know I love Golden planes. All these kind of

403
00:17:58,760 --> 00:18:00,800
Speaker 4: music festivals, and I feel like obviously a lot of

404
00:18:00,800 --> 00:18:04,120
Speaker 4: people do know about like volunteer positions. I would recommend

405
00:18:04,440 --> 00:18:06,600
Speaker 4: ahead of time if you want to get yourself a

406
00:18:06,640 --> 00:18:09,959
Speaker 4: free ticket and do minimal work. It's probably just probably

407
00:18:10,119 --> 00:18:12,679
Speaker 4: actually quite hard work. But I'm looking at it from

408
00:18:12,720 --> 00:18:15,919
Speaker 4: the outside, it's very rainbows and butterflies. Try and inquire

409
00:18:15,920 --> 00:18:18,760
Speaker 4: about volunteer positions, whether that's day one, day two, you

410
00:18:18,760 --> 00:18:20,639
Speaker 4: don't have to work the whole time. Maybe try and

411
00:18:20,680 --> 00:18:22,919
Speaker 4: get a job in a food truck there and just

412
00:18:22,920 --> 00:18:26,320
Speaker 4: like get like one shift and the whole thing for

413
00:18:26,440 --> 00:18:28,439
Speaker 4: the rest of the trip you just enjoy, you know

414
00:18:28,480 --> 00:18:30,359
Speaker 4: what I mean. So try and get a just a

415
00:18:30,480 --> 00:18:33,920
Speaker 4: small shift one two here and there. Volunteer work in

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00:18:33,920 --> 00:18:35,960
Speaker 4: a food truck, whatever you've got to do, work behind

417
00:18:35,960 --> 00:18:40,720
Speaker 4: the bar. You get full free entry and hopefully some

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00:18:40,960 --> 00:18:41,760
Speaker 4: free food and drink.

419
00:18:42,040 --> 00:18:46,119
Speaker 2: That's so good question. How do I volunteer for Taylor Swift?

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00:18:46,280 --> 00:18:49,000
Speaker 5: Literally, I feel like a lot of people I saw

421
00:18:49,040 --> 00:18:50,240
Speaker 5: this thing every I'm like trying.

422
00:18:50,080 --> 00:18:52,640
Speaker 2: Not to pay me. I would have worked for free

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00:18:53,040 --> 00:18:56,480
Speaker 2: any job in that stadium within earshot.

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00:18:56,800 --> 00:19:00,600
Speaker 4: I'll message her. Actually, yeah, because you just call Taylor.

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00:19:00,920 --> 00:19:03,480
Speaker 4: I could I'll call her, just call her up. I

426
00:19:03,520 --> 00:19:05,800
Speaker 4: can absolutely do that. Absolutely. The time zone is a

427
00:19:05,840 --> 00:19:11,960
Speaker 4: bit funny. Oh, okay, a text, I'll share a text.

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00:19:12,040 --> 00:19:13,920
Speaker 2: All right, guys, let's go to a quick break. On

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00:19:13,960 --> 00:19:16,879
Speaker 2: the flip side, we're talking about private health insurance. But

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00:19:17,200 --> 00:19:19,520
Speaker 2: on the juicy side of things, we're going to be

431
00:19:19,560 --> 00:19:22,639
Speaker 2: talking about getting ghosted by a family member who owes

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00:19:22,680 --> 00:19:31,080
Speaker 2: you fifteen grand So don't go anywhere, guys. Welcome back everybody.

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00:19:31,160 --> 00:19:35,600
Speaker 2: Let's take a listen to this week's money dilemma.

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00:19:35,840 --> 00:19:36,000
Speaker 6: Hi.

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00:19:36,119 --> 00:19:38,879
Speaker 2: There, have you got a money dilemma you just can't solve?

436
00:19:39,040 --> 00:19:41,240
Speaker 2: The Sheese on the Money team is here to help.

437
00:19:41,560 --> 00:19:44,600
Speaker 2: Every week we tackle your dilemmas, both big and small,

438
00:19:44,640 --> 00:19:47,720
Speaker 2: to answer your most burning money, career and life questions.

439
00:19:47,920 --> 00:19:50,400
Speaker 2: To get involved, simply head to our website and leave

440
00:19:50,480 --> 00:19:52,600
Speaker 2: us a short voice recording and you might just find

441
00:19:52,640 --> 00:19:55,360
Speaker 2: yourself on the show. Now, let's take a listen to

442
00:19:55,400 --> 00:19:56,600
Speaker 2: this week's money dilemma.

443
00:19:58,000 --> 00:20:00,199
Speaker 6: Hi, I hope you have a good diet. I had

444
00:20:00,240 --> 00:20:04,399
Speaker 6: a question to the private hospital covers. We are a

445
00:20:04,440 --> 00:20:07,440
Speaker 6: family of four and we have a private hospital cover,

446
00:20:07,800 --> 00:20:11,960
Speaker 6: but we pay four hundred dollars a month, so with

447
00:20:12,040 --> 00:20:15,080
Speaker 6: all the cost of living coming up, I decided that

448
00:20:15,200 --> 00:20:19,760
Speaker 6: this is maybe a good way of saving four hundred

449
00:20:19,800 --> 00:20:24,600
Speaker 6: dollars a month. But now I'm second guessing myself because

450
00:20:24,640 --> 00:20:27,200
Speaker 6: a lot of my friends said not to cut on

451
00:20:27,400 --> 00:20:31,000
Speaker 6: private hospital cover as it's so important to have to

452
00:20:31,119 --> 00:20:35,320
Speaker 6: avoid this apparently long waiting this, but I'm not planning

453
00:20:35,359 --> 00:20:38,680
Speaker 6: to go into hospital. I have no health issues. What's

454
00:20:38,720 --> 00:20:39,360
Speaker 6: your advice?

455
00:20:39,720 --> 00:20:43,320
Speaker 5: We love you firstly, thank you for your lovely words. Yes,

456
00:20:43,920 --> 00:20:45,840
Speaker 5: this is something I have actually been thinking about recently

457
00:20:45,880 --> 00:20:50,320
Speaker 5: because my private health is extremely expensively, painfully expensive. I'm

458
00:20:50,320 --> 00:20:52,720
Speaker 5: paying two hundred plus dollars a month, which is crazy.

459
00:20:53,240 --> 00:20:56,440
Speaker 5: So I have been having the exact same thoughts about community. Member.

460
00:20:56,480 --> 00:20:57,960
Speaker 5: I have to say, and I'm sure a lot of

461
00:20:57,960 --> 00:21:01,159
Speaker 5: people probably would be to share my two cents on

462
00:21:01,200 --> 00:21:04,880
Speaker 5: the things that I've considered. Medicare Levy searcharge For those

463
00:21:04,920 --> 00:21:06,960
Speaker 5: of you over the age of is it.

464
00:21:06,880 --> 00:21:11,440
Speaker 2: Thirty one VD, The Medicare Levey surcharge is payable over

465
00:21:11,520 --> 00:21:15,000
Speaker 2: certain thresholds. So the Medicare Levy Searcharge is payable if

466
00:21:15,000 --> 00:21:17,400
Speaker 2: you earn more than ninety three thousand dollars a year

467
00:21:17,440 --> 00:21:20,360
Speaker 2: as a single or one hundred and eighty six thousand

468
00:21:20,440 --> 00:21:24,520
Speaker 2: dollars a year as a family, So if you're over that,

469
00:21:24,920 --> 00:21:27,439
Speaker 2: you have to pay the Medicare levy surcharge, and in

470
00:21:27,480 --> 00:21:30,359
Speaker 2: a lot of circumstances, don't get me wrong, four hundred

471
00:21:30,359 --> 00:21:32,840
Speaker 2: dollars a month is a lot of money, especially in

472
00:21:32,880 --> 00:21:36,919
Speaker 2: this economy, but you might end up paying basically the

473
00:21:37,080 --> 00:21:40,439
Speaker 2: same as what your private health could cost.

474
00:21:41,040 --> 00:21:43,480
Speaker 5: So we need to look into it. Yeah, that's the

475
00:21:43,560 --> 00:21:45,480
Speaker 5: thing that I have been trying to figure out. Running

476
00:21:45,480 --> 00:21:47,120
Speaker 5: the numbers. One, I would say, what I've been doing

477
00:21:47,200 --> 00:21:49,639
Speaker 5: is just shopping around and looking at different places. Like

478
00:21:49,640 --> 00:21:52,000
Speaker 5: you'll find that prices vary. You need to then look

479
00:21:52,040 --> 00:21:55,960
Speaker 5: at what's included, what's covered, cause that also varies a lot.

480
00:21:56,000 --> 00:21:59,040
Speaker 5: Fun to fund, is what I'm finding. But like in

481
00:21:59,119 --> 00:22:01,280
Speaker 5: terms of the question or the statement that you made

482
00:22:01,280 --> 00:22:04,280
Speaker 5: about not planning on getting sick, I would argue that

483
00:22:04,520 --> 00:22:08,920
Speaker 5: not many of us do, and just like an anecdotal store.

484
00:22:08,640 --> 00:22:11,200
Speaker 2: Many of us to no, No, I don't think anyone

485
00:22:11,320 --> 00:22:14,040
Speaker 2: chooses to get sick. And it's one of those things

486
00:22:14,200 --> 00:22:18,320
Speaker 2: is like it's insurance because we're insuring for a less

487
00:22:18,400 --> 00:22:21,960
Speaker 2: likely outcome. Yeah, And I mean that's how insurance businesses

488
00:22:22,000 --> 00:22:25,080
Speaker 2: make money. Right, Like Jess, Beck and I, we pay

489
00:22:25,160 --> 00:22:27,800
Speaker 2: insurance into one big pool in the hope of never

490
00:22:27,840 --> 00:22:31,120
Speaker 2: getting sick. But if something does happen, we know that

491
00:22:31,160 --> 00:22:34,640
Speaker 2: Beck can rely on that. But hopefully, given the fact

492
00:22:34,680 --> 00:22:36,879
Speaker 2: that you know Jess and I are relatively healthy, we

493
00:22:36,960 --> 00:22:38,800
Speaker 2: don't have to rely on that pot of money, and

494
00:22:38,800 --> 00:22:40,679
Speaker 2: then the profit from that pot of money goes to

495
00:22:40,720 --> 00:22:44,359
Speaker 2: the health insurer, depending on whether they are members first

496
00:22:44,480 --> 00:22:47,239
Speaker 2: or not. So I think it's important to understand the

497
00:22:47,400 --> 00:22:51,080
Speaker 2: entire purpose of insurance from my perspective as an ex

498
00:22:51,160 --> 00:22:54,359
Speaker 2: financial advisor, is to be a waste of money. I

499
00:22:54,560 --> 00:22:57,360
Speaker 2: want insurance to be wasted. Don't get me wrong. Four

500
00:22:57,400 --> 00:22:59,560
Speaker 2: hundred bucks a month is something you need to consider.

501
00:23:00,200 --> 00:23:02,399
Speaker 2: But the reason you need to consider it is because

502
00:23:02,400 --> 00:23:05,480
Speaker 2: the alternative, like we aren't betting that you're going to

503
00:23:05,480 --> 00:23:07,720
Speaker 2: get sick. I never would want that. And that's why

504
00:23:07,720 --> 00:23:11,399
Speaker 2: whenever we're talking about insurance, I talk about it in

505
00:23:11,520 --> 00:23:14,359
Speaker 2: terms of yesterday, Like I'd never go, oh, Beck, imagine

506
00:23:14,400 --> 00:23:16,320
Speaker 2: if you got sick tomorrow. I'd never do that because

507
00:23:16,320 --> 00:23:19,960
Speaker 2: you never want to accidentally ill wish somebody. But I go, Beck,

508
00:23:20,000 --> 00:23:23,080
Speaker 2: if I got sick yesterday, something might have happened and

509
00:23:23,160 --> 00:23:25,600
Speaker 2: this would be the outcome. So I think it's important

510
00:23:25,680 --> 00:23:29,000
Speaker 2: and just to your point, no one plans to get sick,

511
00:23:29,680 --> 00:23:34,120
Speaker 2: But there are lots of things to take into consideration there.

512
00:23:34,760 --> 00:23:37,800
Speaker 5: I have a story a friend of mine tore his

513
00:23:37,920 --> 00:23:41,239
Speaker 5: ACL and he did not have private health insurance, and

514
00:23:41,280 --> 00:23:43,400
Speaker 5: so he was just waiting. And when you know, when

515
00:23:43,400 --> 00:23:44,960
Speaker 5: you've torn your ACL, you just go on the list

516
00:23:45,000 --> 00:23:47,199
Speaker 5: and when you can get in, you get in. And

517
00:23:47,280 --> 00:23:50,560
Speaker 5: he waited for I want to say, eighteen months, hadn't

518
00:23:50,600 --> 00:23:55,080
Speaker 5: had a call, applied for private health, got the private health,

519
00:23:55,280 --> 00:23:59,240
Speaker 5: waited out his six nine to twelve months waiting period

520
00:23:59,280 --> 00:24:03,560
Speaker 5: however a long and qualified for his private health before

521
00:24:03,560 --> 00:24:06,719
Speaker 5: the public system could even get him. I think it

522
00:24:06,800 --> 00:24:10,160
Speaker 5: was like two years or something from point of injury

523
00:24:10,280 --> 00:24:13,040
Speaker 5: to like him having that surgery, and that was done

524
00:24:13,080 --> 00:24:13,960
Speaker 5: under private health.

525
00:24:14,359 --> 00:24:15,840
Speaker 2: So and that's not always the case.

526
00:24:15,840 --> 00:24:18,320
Speaker 5: And obviously the more severe, you know, if you have

527
00:24:18,359 --> 00:24:20,359
Speaker 5: a really bad accident, of course you'd be rushed in

528
00:24:20,440 --> 00:24:22,760
Speaker 5: through the public system. We do have a really great

529
00:24:22,800 --> 00:24:25,760
Speaker 5: public system in place. But I feel like that's a

530
00:24:25,760 --> 00:24:29,000
Speaker 5: good example that I have seen of where sometimes like

531
00:24:29,280 --> 00:24:31,520
Speaker 5: it can be worth it. And I mean, you've totally

532
00:24:31,600 --> 00:24:33,920
Speaker 5: got away at yourself, like we can't tell you here

533
00:24:34,080 --> 00:24:36,720
Speaker 5: or there, but it is just worth considering, especially if

534
00:24:36,760 --> 00:24:39,360
Speaker 5: you're saying you're a family afore I'm assuming you've got kids,

535
00:24:40,359 --> 00:24:42,080
Speaker 5: and so that can also be tricky because if I

536
00:24:42,080 --> 00:24:43,760
Speaker 5: think about when I was a kid, I was doing

537
00:24:43,760 --> 00:24:46,240
Speaker 5: all kinds of crazy things, breaking bones, doing whatever.

538
00:24:46,440 --> 00:24:48,400
Speaker 2: So you know, and I mean, there are a lot

539
00:24:48,400 --> 00:24:50,800
Speaker 2: of benefits to private health insurance and I'm not trying

540
00:24:50,800 --> 00:24:53,160
Speaker 2: to sell you on it because some people don't need

541
00:24:53,200 --> 00:24:54,960
Speaker 2: it and they go V, I don't need it, and

542
00:24:55,320 --> 00:24:57,320
Speaker 2: I like that. But what I want you to have

543
00:24:57,480 --> 00:25:00,960
Speaker 2: is all the tools and the resources available to you

544
00:25:01,040 --> 00:25:03,240
Speaker 2: to make the right decision for you and your family.

545
00:25:03,359 --> 00:25:06,880
Speaker 2: So when we're talking about private health insurance, like if

546
00:25:06,920 --> 00:25:09,239
Speaker 2: you have it, you can get treatment in public or

547
00:25:09,280 --> 00:25:12,520
Speaker 2: private hospitals as a private patient with the doctor of

548
00:25:12,640 --> 00:25:15,760
Speaker 2: your choice. And if you're just in public you do

549
00:25:15,840 --> 00:25:18,040
Speaker 2: not get the choice of doctor. You often just get

550
00:25:18,080 --> 00:25:21,639
Speaker 2: it allocated, and then you can get things covered like

551
00:25:21,760 --> 00:25:26,280
Speaker 2: your health services that aren't covered under Medicare, so things

552
00:25:26,440 --> 00:25:30,800
Speaker 2: like physiotherapy, dental, optical and I think it's important to

553
00:25:30,920 --> 00:25:34,080
Speaker 2: consider that. But also another option is reviewing it four

554
00:25:34,119 --> 00:25:36,600
Speaker 2: hundred dollars a lot a month. But can we drop

555
00:25:36,680 --> 00:25:39,280
Speaker 2: our private health insurance if it's a value to you,

556
00:25:39,359 --> 00:25:42,560
Speaker 2: back down to hospital only cover, or you know, dropping

557
00:25:42,640 --> 00:25:44,720
Speaker 2: back and getting rid of those things. If you're like, look,

558
00:25:44,760 --> 00:25:47,400
Speaker 2: we just don't need it. You know, we're very healthy.

559
00:25:47,680 --> 00:25:51,320
Speaker 2: Perhaps you don't need to have optical and physiotherapy and

560
00:25:51,400 --> 00:25:55,440
Speaker 2: dental covered, and pregnancy and stuff like that covered. Maybe

561
00:25:55,480 --> 00:25:57,560
Speaker 2: you just drop it down to the very base level

562
00:25:57,680 --> 00:25:59,720
Speaker 2: and go and do a bit of a review and go, well,

563
00:26:00,160 --> 00:26:02,000
Speaker 2: maybe it is a value to me so that if

564
00:26:02,000 --> 00:26:05,560
Speaker 2: something happens, we do have access. But maybe it's a

565
00:26:05,640 --> 00:26:08,760
Speaker 2: cheaper access and that's still going to put you into

566
00:26:08,800 --> 00:26:12,480
Speaker 2: that private hospital cover. I guess, bucket, whether you need

567
00:26:12,520 --> 00:26:14,439
Speaker 2: it or not is completely up to you. We have

568
00:26:14,560 --> 00:26:16,600
Speaker 2: lots of people in the shes on the money community

569
00:26:16,600 --> 00:26:18,760
Speaker 2: who have made the decision to not have private health

570
00:26:18,800 --> 00:26:21,520
Speaker 2: insurance because for whatever reason, that works for you, and

571
00:26:21,560 --> 00:26:23,480
Speaker 2: I'm just glad that they've been able to weigh it

572
00:26:23,560 --> 00:26:27,840
Speaker 2: up properly. But then obviously with the Medicare Levey surcharge,

573
00:26:27,840 --> 00:26:31,199
Speaker 2: if you have a higher income then it kind of

574
00:26:31,240 --> 00:26:33,919
Speaker 2: makes sense. And I know that a couple of people

575
00:26:33,960 --> 00:26:36,560
Speaker 2: in our community have done the maths, and I'm not

576
00:26:36,600 --> 00:26:40,320
Speaker 2: here to make recommendations on who's the best, because that's

577
00:26:40,400 --> 00:26:42,640
Speaker 2: an answer that only you can answer because it's a

578
00:26:42,680 --> 00:26:46,000
Speaker 2: personal decision, right. But we have people in our community

579
00:26:46,080 --> 00:26:47,960
Speaker 2: who have done the maths and worked out what their

580
00:26:48,000 --> 00:26:51,680
Speaker 2: Medicare levy surcharge would be, and they're basically paying exactly

581
00:26:51,720 --> 00:26:54,840
Speaker 2: that on private health insurance. So instead of paying, let's,

582
00:26:54,880 --> 00:26:58,000
Speaker 2: for example, say one hundred dollars a month into a

583
00:26:58,000 --> 00:27:02,280
Speaker 2: Medicare levy surcharge, they're paying for private health insurance. And

584
00:27:02,560 --> 00:27:05,160
Speaker 2: it would have been spent on one or the other.

585
00:27:05,200 --> 00:27:06,440
Speaker 2: But they're like, well, we may as well get the

586
00:27:06,480 --> 00:27:09,400
Speaker 2: private health bonuses. Sure, and do you know what, that's

587
00:27:09,440 --> 00:27:13,439
Speaker 2: the government's intention with the Medicare levy surcharge. So the

588
00:27:13,440 --> 00:27:16,760
Speaker 2: Medicare levy surcharge is charged to people who have higher

589
00:27:16,840 --> 00:27:19,480
Speaker 2: incomes in the hopes that it gets them to get

590
00:27:19,520 --> 00:27:23,400
Speaker 2: private health insurance, to take the load off the public system,

591
00:27:24,040 --> 00:27:27,040
Speaker 2: so that the public system can be more accessible for

592
00:27:27,080 --> 00:27:30,040
Speaker 2: those who can't afford private health, and for those who can,

593
00:27:30,240 --> 00:27:31,760
Speaker 2: it seguys them away a bit.

594
00:27:31,920 --> 00:27:32,520
Speaker 4: That's really clever.

595
00:27:32,600 --> 00:27:35,119
Speaker 2: It doesn't mean you can't access it, it just means

596
00:27:35,200 --> 00:27:37,720
Speaker 2: that they're like, oh, well, if we charge them, there's

597
00:27:37,760 --> 00:27:40,160
Speaker 2: obviously a very big, you know, carrot on a stick

598
00:27:40,200 --> 00:27:42,639
Speaker 2: over there for them to get private health insurance, and

599
00:27:42,680 --> 00:27:44,879
Speaker 2: it can actually be alike for a like, but you

600
00:27:44,920 --> 00:27:46,720
Speaker 2: would have to work out what that looks like.

601
00:27:47,640 --> 00:27:49,800
Speaker 4: Okay, I don't really have anything to add here, but

602
00:27:49,800 --> 00:27:52,240
Speaker 4: I just I do have health insurance, but it's like

603
00:27:52,520 --> 00:27:55,920
Speaker 4: optical and dental and probably maybe ambulance, and I don't

604
00:27:55,920 --> 00:27:57,600
Speaker 4: know if that counts, but we'll see you one day

605
00:27:57,640 --> 00:27:59,480
Speaker 4: when I eventually make over ninety three thousand.

606
00:28:00,080 --> 00:28:01,760
Speaker 2: You do have to be careful. I know you've mentioned

607
00:28:01,840 --> 00:28:04,439
Speaker 2: ambulance because some people do have it included in their

608
00:28:04,480 --> 00:28:07,280
Speaker 2: private health but in a lot of states and territories

609
00:28:07,440 --> 00:28:10,520
Speaker 2: it's separate. So we need to just be careful of

610
00:28:11,080 --> 00:28:14,320
Speaker 2: not assuming that because you have private health insurance it

611
00:28:14,359 --> 00:28:17,040
Speaker 2: includes ambulance cover because for a lot of people that's

612
00:28:17,080 --> 00:28:21,280
Speaker 2: not the case, and those are two separate types of insurance, right, Okay.

613
00:28:21,119 --> 00:28:22,880
Speaker 5: If you feel like dipping into the archive, we've done

614
00:28:22,880 --> 00:28:24,439
Speaker 5: a couple of episodes on health insurance.

615
00:28:24,440 --> 00:28:25,600
Speaker 2: I'm too passionate about it.

616
00:28:25,640 --> 00:28:27,240
Speaker 5: Yeah, that we'll link in the show notes. So there's

617
00:28:27,480 --> 00:28:30,200
Speaker 5: two specifically one from twenty twenty one. From twenty twenty one,

618
00:28:30,600 --> 00:28:32,080
Speaker 5: it might be worth if you just want a bit

619
00:28:32,080 --> 00:28:34,720
Speaker 5: more information on what to consider, go back and have

620
00:28:34,760 --> 00:28:36,000
Speaker 5: listened to those because it might be helpful.

621
00:28:36,080 --> 00:28:38,920
Speaker 2: Yeah, and I guess the TLDR of all of this

622
00:28:39,360 --> 00:28:42,760
Speaker 2: is be educated. It doesn't mean that private health is

623
00:28:42,800 --> 00:28:45,840
Speaker 2: the best answer for everybody. But what I do want

624
00:28:45,920 --> 00:28:47,280
Speaker 2: is for you to be able to sit down and

625
00:28:47,360 --> 00:28:49,800
Speaker 2: consider it, work it out, and if you go, well,

626
00:28:49,840 --> 00:28:51,920
Speaker 2: the four hundred dollars a month isn't worth it to me,

627
00:28:52,280 --> 00:28:54,720
Speaker 2: I'm glad you had the tools and resources to make

628
00:28:54,800 --> 00:28:58,680
Speaker 2: that decision. It's here or there, like, it's none of

629
00:28:58,680 --> 00:29:00,000
Speaker 2: my business.

630
00:29:00,280 --> 00:29:02,240
Speaker 5: Good, Like, wait, it's a simple one I think to

631
00:29:02,280 --> 00:29:05,000
Speaker 5: figure out, like mathematically, hey, like way up, Yeah, the

632
00:29:05,120 --> 00:29:07,480
Speaker 5: value of what you're getting versus what you're spending. Yeah,

633
00:29:07,480 --> 00:29:08,520
Speaker 5: it's a nice direct one.

634
00:29:08,600 --> 00:29:10,760
Speaker 2: Yeah, one hundred percent. That would actually be for any

635
00:29:10,840 --> 00:29:14,040
Speaker 2: private health insurance companies listening today. That'd be a really

636
00:29:14,080 --> 00:29:17,320
Speaker 2: great marketing strategy putting out a little table that says,

637
00:29:17,360 --> 00:29:20,040
Speaker 2: if you earn ninety six thousand dollars, here's what private

638
00:29:20,040 --> 00:29:23,320
Speaker 2: health would cost you, and like, do the cost benefit analysis. Yes,

639
00:29:23,400 --> 00:29:26,000
Speaker 2: I'm a logical girlie. I just honestly, I like being

640
00:29:26,000 --> 00:29:28,560
Speaker 2: spoon and fed information. And if you told me V,

641
00:29:28,640 --> 00:29:30,920
Speaker 2: you're going to have to pay X in the Medicare

642
00:29:31,040 --> 00:29:33,400
Speaker 2: levy surcharge. But if you just went to this company

643
00:29:33,440 --> 00:29:35,400
Speaker 2: and got insurance, I'd be like, oh, thanks for doing

644
00:29:35,400 --> 00:29:37,400
Speaker 2: the work for me. Now you can have that idea

645
00:29:37,440 --> 00:29:40,800
Speaker 2: for free. You're welcome, You're welcomed. Call me for pr

646
00:29:42,440 --> 00:29:45,160
Speaker 2: in the juicy My gosh, I'm so excited for this one.

647
00:29:45,320 --> 00:29:47,080
Speaker 2: The topic came through and I was like, I feel

648
00:29:47,120 --> 00:29:49,200
Speaker 2: like this is really really juicy. So this week we

649
00:29:49,280 --> 00:29:51,040
Speaker 2: got a DM. Are you ready for it?

650
00:29:51,200 --> 00:29:51,560
Speaker 4: Yes?

651
00:29:51,840 --> 00:29:54,880
Speaker 2: High she'es on the money. I need advice. A year ago,

652
00:29:55,040 --> 00:29:57,960
Speaker 2: my sibling was going through a tough time and doing

653
00:29:58,000 --> 00:30:01,200
Speaker 2: some pretty reckless things. Thought I would try and help,

654
00:30:01,400 --> 00:30:06,400
Speaker 2: including financially. At the time, she promised to repay me. However,

655
00:30:06,640 --> 00:30:09,120
Speaker 2: after having to remind her to stop being rude to

656
00:30:09,160 --> 00:30:13,040
Speaker 2: me in my own home, she up and left. For

657
00:30:13,200 --> 00:30:16,240
Speaker 2: four months, I have had to chase her every fortnight

658
00:30:16,320 --> 00:30:20,000
Speaker 2: for the bare minimum of fifty dollars some weeks less.

659
00:30:20,520 --> 00:30:23,320
Speaker 2: Fast forward eight months and she hasn't paid me anything

660
00:30:23,360 --> 00:30:26,360
Speaker 2: since December. She's blocked me on all platforms and is

661
00:30:26,360 --> 00:30:29,960
Speaker 2: ghosting our entire family. I have a record of all

662
00:30:30,000 --> 00:30:33,560
Speaker 2: funds lent and all payments made by her. What would

663
00:30:33,600 --> 00:30:36,080
Speaker 2: you do if a family member had done this and

664
00:30:36,160 --> 00:30:40,040
Speaker 2: stopped paying you back over fifteen thousand dollars in money

665
00:30:40,200 --> 00:30:44,080
Speaker 2: you lent them for your future? WHOA, that is so

666
00:30:44,280 --> 00:30:46,280
Speaker 2: much money? That is so much mo.

667
00:30:46,400 --> 00:30:48,840
Speaker 4: Yeah, it's too much to be like, oh, world's a loss,

668
00:30:49,000 --> 00:30:51,400
Speaker 4: but you're gonna you know, this is a lot of money.

669
00:30:51,880 --> 00:30:53,480
Speaker 4: I don't know if this is the thing here. This

670
00:30:53,560 --> 00:30:56,000
Speaker 4: sounds very American what IM about to say? But soon

671
00:30:56,040 --> 00:30:58,600
Speaker 4: their claims court? Is that a thing?

672
00:30:58,960 --> 00:31:00,800
Speaker 2: I feel like that's a TV show.

673
00:31:00,960 --> 00:31:01,760
Speaker 4: Yeah, it does.

674
00:31:02,240 --> 00:31:04,280
Speaker 2: It definitely is a thing here. It's probably not as

675
00:31:04,360 --> 00:31:05,440
Speaker 2: dramatic though, yeah.

676
00:31:05,440 --> 00:31:07,280
Speaker 4: And I mean, like obviously it's we're not going on

677
00:31:07,880 --> 00:31:11,160
Speaker 4: you know, no totally. It's still weird though, to like

678
00:31:11,240 --> 00:31:13,000
Speaker 4: do that to your sibling or just like a friend

679
00:31:13,120 --> 00:31:16,080
Speaker 4: or someone. It's kind of extreme. It feels like you're

680
00:31:16,120 --> 00:31:18,920
Speaker 4: being like dramatic. But in this case, I wouldn't think

681
00:31:18,960 --> 00:31:20,480
Speaker 4: that's that you're being I don't think.

682
00:31:20,320 --> 00:31:22,320
Speaker 2: You're being dramatic. That's fifteen thousands.

683
00:31:22,880 --> 00:31:26,959
Speaker 4: Would I would maybe literally do that I guess it's

684
00:31:26,960 --> 00:31:29,360
Speaker 4: a really tricky one, especially if you're blocked on everything.

685
00:31:29,800 --> 00:31:32,600
Speaker 4: You know, you see those like memes of like you know,

686
00:31:32,640 --> 00:31:35,640
Speaker 4: if like people are fighting and they're blocked on everything,

687
00:31:35,720 --> 00:31:39,360
Speaker 4: and so you send like one cent deposit to their breakout.

688
00:31:39,720 --> 00:31:41,880
Speaker 2: Oh my god, don't do that. That just feels so

689
00:31:42,000 --> 00:31:43,200
Speaker 2: financially abusive.

690
00:31:43,400 --> 00:31:45,480
Speaker 4: True, just where then you just be sending them more money.

691
00:31:45,560 --> 00:31:46,760
Speaker 4: So you don't do that.

692
00:31:46,840 --> 00:31:48,960
Speaker 2: But if there is a way to get in touch,

693
00:31:49,200 --> 00:31:51,680
Speaker 2: there absolutely would be. Yes, you're blocked, but that doesn't

694
00:31:51,720 --> 00:31:55,080
Speaker 2: mean that you couldn't contact them or send them a

695
00:31:55,160 --> 00:31:58,479
Speaker 2: letter or you know, write a letter of demand or

696
00:31:58,520 --> 00:32:00,720
Speaker 2: something like that, letting them know that you're willing to

697
00:32:00,720 --> 00:32:02,160
Speaker 2: take this further totally.

698
00:32:02,200 --> 00:32:04,120
Speaker 4: And I guess, like if you got to weigh up, like,

699
00:32:04,600 --> 00:32:09,080
Speaker 4: is there still I suppose like some coming back from

700
00:32:09,160 --> 00:32:12,400
Speaker 4: this in regards to your relationship with each other. If

701
00:32:12,440 --> 00:32:18,320
Speaker 4: there's not screw it go football small claims court. I

702
00:32:18,320 --> 00:32:19,320
Speaker 4: hope I'm saying that.

703
00:32:19,280 --> 00:32:21,360
Speaker 2: She's right, Well, judge as I.

704
00:32:21,280 --> 00:32:24,160
Speaker 4: Get to do whatever you've got to do get that

705
00:32:24,240 --> 00:32:26,120
Speaker 4: money back, but do not rest, because I know that

706
00:32:26,160 --> 00:32:30,400
Speaker 4: sometimes we do say like do not rest, you're going

707
00:32:30,440 --> 00:32:32,320
Speaker 4: to get that money back if you've got to try,

708
00:32:32,400 --> 00:32:34,680
Speaker 4: like be like a bit more emotional and be like, hey,

709
00:32:34,840 --> 00:32:36,680
Speaker 4: I'm really struggling. I really like try and.

710
00:32:36,680 --> 00:32:38,840
Speaker 2: Like oh, we're getting desperado on it.

711
00:32:38,960 --> 00:32:41,800
Speaker 4: And then if that doesn't work, and then you go football. Yeah,

712
00:32:41,880 --> 00:32:42,800
Speaker 4: I don't know if that's helpful.

713
00:32:43,760 --> 00:32:47,600
Speaker 2: I love that that's an option. Jess, what would you do?

714
00:32:48,200 --> 00:32:49,120
Speaker 2: I completely agree.

715
00:32:49,160 --> 00:32:51,760
Speaker 5: I think you have to assess, like, do you think

716
00:32:51,800 --> 00:32:54,720
Speaker 5: you can or do you have a desire to salvage

717
00:32:54,760 --> 00:32:58,440
Speaker 5: the relationship, because I think you're at the point where

718
00:32:58,600 --> 00:33:00,320
Speaker 5: if you want to continue to pursue it, it's going

719
00:33:00,360 --> 00:33:02,520
Speaker 5: to be a bit more of an aggressive approach, and

720
00:33:02,720 --> 00:33:05,800
Speaker 5: chances are if that's what you opt for, you may

721
00:33:06,200 --> 00:33:09,080
Speaker 5: damage that relationship beyond repair. And I know that that's

722
00:33:09,120 --> 00:33:11,840
Speaker 5: a really tough and unfair choice for you to have

723
00:33:11,960 --> 00:33:14,320
Speaker 5: to make, but I think it's a consideration that you

724
00:33:14,400 --> 00:33:16,240
Speaker 5: have to take, is that if you do want to

725
00:33:16,240 --> 00:33:19,360
Speaker 5: pursue it, you know you might lose contact. But it

726
00:33:19,360 --> 00:33:21,360
Speaker 5: sounds like you have kind of lost contact anyway, so

727
00:33:21,400 --> 00:33:23,560
Speaker 5: maybe that's you know, neither here nor there to you.

728
00:33:24,160 --> 00:33:27,640
Speaker 5: I would probably go with debt collection before small claims

729
00:33:27,920 --> 00:33:29,680
Speaker 5: or I don't know if that's good advice or not,

730
00:33:29,880 --> 00:33:31,640
Speaker 5: just because I think that, like, if you can avoid

731
00:33:31,680 --> 00:33:34,600
Speaker 5: clogging the court system, like let's do that, that might

732
00:33:34,640 --> 00:33:36,600
Speaker 5: not be the right call. Though I'm not an expert,

733
00:33:36,640 --> 00:33:40,440
Speaker 5: but I think debt collection agencies often work on like

734
00:33:40,480 --> 00:33:42,400
Speaker 5: they take a percentage of what they collect, so you

735
00:33:42,480 --> 00:33:45,240
Speaker 5: may be able to do that without having to invest

736
00:33:45,280 --> 00:33:48,320
Speaker 5: any money into it, whereas if you go through small

737
00:33:48,440 --> 00:33:51,360
Speaker 5: claims court you may need legal counsel, which can be

738
00:33:51,480 --> 00:33:54,440
Speaker 5: very expensive. So I would look into your options there

739
00:33:54,560 --> 00:33:58,640
Speaker 5: around what the costs associated might be. Debt collection agencies,

740
00:33:58,680 --> 00:34:00,840
Speaker 5: from what I understand, are very good at what they do,

741
00:34:00,880 --> 00:34:02,960
Speaker 5: and we'll find someone and get in touch, and we'll

742
00:34:02,960 --> 00:34:04,720
Speaker 5: follow them up and follow them up and follow them up,

743
00:34:05,000 --> 00:34:06,840
Speaker 5: and then if that didn't work, that's when I would

744
00:34:06,840 --> 00:34:10,960
Speaker 5: probably escalate it to small claims court, although I'll be honest,

745
00:34:12,040 --> 00:34:15,719
Speaker 5: I don't know what the rules are around whether or

746
00:34:15,719 --> 00:34:18,479
Speaker 5: not you can claim something like that back just because

747
00:34:18,520 --> 00:34:19,960
Speaker 5: the money is lent in good faith, And I know

748
00:34:20,040 --> 00:34:23,200
Speaker 5: that this is very unhelpful because you know what's done

749
00:34:23,320 --> 00:34:26,359
Speaker 5: is done. But we have said before, unfortunately, you take

750
00:34:26,400 --> 00:34:28,319
Speaker 5: on a risk when you lend money to someone, and

751
00:34:28,400 --> 00:34:30,359
Speaker 5: even if it's family, even if it's your best friend

752
00:34:30,400 --> 00:34:32,080
Speaker 5: in the whole world, there is a risk that that

753
00:34:32,239 --> 00:34:35,000
Speaker 5: may not come back. And so I know that that's

754
00:34:35,000 --> 00:34:36,719
Speaker 5: not helpful to our listener right now, and I'm sorry.

755
00:34:36,760 --> 00:34:38,319
Speaker 5: I'm not saying that to kick you while you're down,

756
00:34:38,480 --> 00:34:41,200
Speaker 5: but just a word of advice. I guess for anybody

757
00:34:41,200 --> 00:34:44,200
Speaker 5: who might be looking to lend money to people, you

758
00:34:44,239 --> 00:34:46,879
Speaker 5: can't guarantee that it will come back. And I don't

759
00:34:46,880 --> 00:34:48,719
Speaker 5: know that there is a legal system in place to

760
00:34:49,120 --> 00:34:52,200
Speaker 5: support that pursual either. I'm just honestly not sure there

761
00:34:52,200 --> 00:34:54,680
Speaker 5: definitely is. So if you go to the National Debt

762
00:34:54,760 --> 00:34:57,319
Speaker 5: help Line, we talk about these guys all the time.

763
00:34:57,360 --> 00:35:01,880
Speaker 5: So it's NDH dot org dot AU. There's a whole section.

764
00:35:01,800 --> 00:35:04,399
Speaker 2: On borrowing money from friends and family, but it can

765
00:35:04,480 --> 00:35:06,839
Speaker 2: get a bit sticky, and they do talk about, you know,

766
00:35:06,880 --> 00:35:10,600
Speaker 2: the expectations and changing goalposts and like what it looks

767
00:35:10,719 --> 00:35:14,439
Speaker 2: like to have that relationship change. But also they really

768
00:35:14,480 --> 00:35:17,520
Speaker 2: go into the legal standing because it's obviously easy to

769
00:35:17,560 --> 00:35:20,160
Speaker 2: assume that just because there's no written contract, borrowing money

770
00:35:20,160 --> 00:35:23,360
Speaker 2: from a friend or a family member means that it's safer,

771
00:35:23,480 --> 00:35:26,279
Speaker 2: but that's not actually the case. You could end up

772
00:35:26,360 --> 00:35:29,359
Speaker 2: suit so they really go through that, and so there

773
00:35:29,440 --> 00:35:32,680
Speaker 2: is a pathway, and even if it's not been well

774
00:35:32,719 --> 00:35:37,880
Speaker 2: documented at the start. Sometimes and I speak historically from

775
00:35:38,080 --> 00:35:42,920
Speaker 2: having clients go through similar things. Sometimes even the communications

776
00:35:43,239 --> 00:35:46,120
Speaker 2: that you've had, like if I text you, Jess and said, oh,

777
00:35:46,200 --> 00:35:48,759
Speaker 2: but you still owe me fifteen grand and then you

778
00:35:48,880 --> 00:35:51,759
Speaker 2: agree and that text message, there's like some level of

779
00:35:51,800 --> 00:35:56,160
Speaker 2: written communication. Now I'm not a lawyer, obviously I can't

780
00:35:56,200 --> 00:35:58,520
Speaker 2: give you advice on this, but you are right, Beck

781
00:35:58,600 --> 00:36:02,840
Speaker 2: and Jess. Maybe not as dramatic as Maury or Judge Judy,

782
00:36:03,440 --> 00:36:06,040
Speaker 2: but you can take them to small claims Care, you

783
00:36:06,120 --> 00:36:09,719
Speaker 2: can sue them, You can take that further. I obviously

784
00:36:09,800 --> 00:36:13,080
Speaker 2: would be trying to sort it out before then, just

785
00:36:13,160 --> 00:36:15,360
Speaker 2: because I'm the type of person that wants to exhaust

786
00:36:15,400 --> 00:36:18,520
Speaker 2: all my options first, so that you know, like if

787
00:36:18,719 --> 00:36:22,160
Speaker 2: Jess owed me money, she could say, but the I

788
00:36:22,200 --> 00:36:24,759
Speaker 2: asked you, I emailed you, I called you, I did

789
00:36:24,800 --> 00:36:26,640
Speaker 2: as much as I could. This was my last resort.

790
00:36:26,640 --> 00:36:28,040
Speaker 2: I didn't want to have to do this, but I

791
00:36:28,120 --> 00:36:31,840
Speaker 2: did because obviously we want to give everybody the benefit

792
00:36:31,920 --> 00:36:35,280
Speaker 2: of the doubt. But I think that yes, you definitely

793
00:36:35,320 --> 00:36:38,400
Speaker 2: can take it further and it's a really terrible situation

794
00:36:38,440 --> 00:36:40,319
Speaker 2: to be in sway. I'm sorry you're going through, because

795
00:36:40,320 --> 00:36:43,520
Speaker 2: it wouldn't just be financially hard, it would be emotionally hard.

796
00:36:43,640 --> 00:36:47,520
Speaker 2: Like your sibling is doing that to you. That's just trash.

797
00:36:47,600 --> 00:36:49,200
Speaker 4: I do just want to quickly say as well, for

798
00:36:49,400 --> 00:36:51,680
Speaker 4: the other side of the coin, I have been there

799
00:36:51,680 --> 00:36:54,440
Speaker 4: where I'm being chased by deck collectors and even just

800
00:36:54,440 --> 00:36:56,760
Speaker 4: like family members or friends who have let me money.

801
00:36:56,800 --> 00:36:58,560
Speaker 4: I usually I'm really on top of these things. But

802
00:36:58,719 --> 00:37:00,880
Speaker 4: being on that side and you so much money and

803
00:37:00,920 --> 00:37:04,439
Speaker 4: you feel like you're drowning and you're extremely anxious. Every

804
00:37:04,440 --> 00:37:08,319
Speaker 4: waking second is anxiety. And I get that part as well.

805
00:37:08,400 --> 00:37:11,360
Speaker 4: So if you haven't exhausted all of your emotional energy

806
00:37:11,680 --> 00:37:13,880
Speaker 4: and you do feel like there's hope for you to

807
00:37:13,920 --> 00:37:16,120
Speaker 4: reach out and be like, I understand what you're feeling,

808
00:37:16,640 --> 00:37:19,200
Speaker 4: and let's just try and make this as easy as possible.

809
00:37:19,239 --> 00:37:21,240
Speaker 4: What about ten bucks a month. I know that's probably

810
00:37:21,280 --> 00:37:22,520
Speaker 4: you know, it's not ideal, or it will take a

811
00:37:22,520 --> 00:37:26,360
Speaker 4: lot longer, but maybe it's just all this built up

812
00:37:26,400 --> 00:37:29,160
Speaker 4: anxiety that is making them run away, which is not

813
00:37:29,800 --> 00:37:32,040
Speaker 4: it's not good, but it's nice.

814
00:37:31,760 --> 00:37:34,600
Speaker 2: To understand that. I think empathy in a situation like

815
00:37:34,640 --> 00:37:38,120
Speaker 2: this is very valuable. Yes, like being able to go actually,

816
00:37:38,200 --> 00:37:40,680
Speaker 2: how do I approach this, like and saying Hey, beck,

817
00:37:40,760 --> 00:37:43,399
Speaker 2: I know this is really trash y. Can we work

818
00:37:43,480 --> 00:37:45,880
Speaker 2: this out? Or even if you're the person that owes money,

819
00:37:46,120 --> 00:37:48,640
Speaker 2: just know we know it's stressful, we know it's hard,

820
00:37:48,800 --> 00:37:50,680
Speaker 2: and I think it says a lot about your character

821
00:37:50,760 --> 00:37:52,680
Speaker 2: to turn around and be like, hey, Jess, I'm really

822
00:37:52,760 --> 00:37:54,440
Speaker 2: sorry I haven't been talking to you. This has been

823
00:37:54,480 --> 00:37:56,640
Speaker 2: overwhelming me and making me really anxious. Like, I think

824
00:37:56,640 --> 00:37:59,759
Speaker 2: you can have a really constructive conversation and try and

825
00:37:59,760 --> 00:38:01,879
Speaker 2: come back from that, but it is going to take

826
00:38:01,920 --> 00:38:03,320
Speaker 2: work from your side as well.

827
00:38:03,760 --> 00:38:06,880
Speaker 5: Yeah, blocking them when everything isn't the right solution, I

828
00:38:06,920 --> 00:38:10,200
Speaker 5: think because you're right, like, there is absolutely room to

829
00:38:10,360 --> 00:38:13,160
Speaker 5: understand the position that they're in and maybe helping them

830
00:38:13,200 --> 00:38:15,680
Speaker 5: out with resources, setting them in the National Debt Hotline

831
00:38:15,719 --> 00:38:18,200
Speaker 5: informations they can reach out if that's something that they need.

832
00:38:18,320 --> 00:38:20,240
Speaker 2: But yeah, I think it's all in how it's handled.

833
00:38:20,719 --> 00:38:23,200
Speaker 2: I agree. We did ask the community what they thought.

834
00:38:23,280 --> 00:38:26,120
Speaker 2: We said, would you ever lend money to a family member?

835
00:38:26,239 --> 00:38:29,279
Speaker 2: And unsurprisingly, seventy one percent of you said yes, of

836
00:38:29,280 --> 00:38:32,040
Speaker 2: course if they needed help. Twenty nine percent of you

837
00:38:32,160 --> 00:38:37,440
Speaker 2: said Nope, wouldn't risk things getting messy. I know, like,

838
00:38:37,520 --> 00:38:38,760
Speaker 2: I get that it's hard.

839
00:38:39,200 --> 00:38:41,040
Speaker 5: I just you want to help someone when you can't.

840
00:38:41,080 --> 00:38:43,399
Speaker 5: I get that that you're in that instinct to want

841
00:38:43,440 --> 00:38:45,040
Speaker 5: to support the people you love yours.

842
00:38:45,480 --> 00:38:48,759
Speaker 2: We also then asked, this situation is really tough. What

843
00:38:49,000 --> 00:38:51,880
Speaker 2: advice or next steps would you give our community member?

844
00:38:52,200 --> 00:38:55,480
Speaker 2: And you guys had an abundance, I mean, someone was

845
00:38:55,520 --> 00:38:58,920
Speaker 2: definitely on your side. They said, go to judge Judy.

846
00:39:01,000 --> 00:39:03,320
Speaker 2: We had a number of really good responses. I feel

847
00:39:03,320 --> 00:39:06,600
Speaker 2: like a lot of these responses, though, are more for

848
00:39:07,120 --> 00:39:10,319
Speaker 2: what our community member could have potentially done differently, not

849
00:39:10,360 --> 00:39:12,040
Speaker 2: what they can do now. So we'll get through the

850
00:39:12,360 --> 00:39:15,319
Speaker 2: could have done differently. So someone said, I wouldn't ever

851
00:39:15,400 --> 00:39:18,040
Speaker 2: lend over one thousand dollars to a family member. If

852
00:39:18,080 --> 00:39:21,880
Speaker 2: they're stuck, they need to seek different help. Someone said,

853
00:39:22,400 --> 00:39:25,759
Speaker 2: I've been in a similar situation, but I chose the

854
00:39:25,840 --> 00:39:28,120
Speaker 2: relationship over the money and let it go, which is

855
00:39:28,200 --> 00:39:31,160
Speaker 2: really hard because fifteen thousand dollars is life changing for

856
00:39:31,200 --> 00:39:34,200
Speaker 2: some people. Yeah, like, it's not an amount that a

857
00:39:34,239 --> 00:39:36,080
Speaker 2: lot of people could just let go and be like, oh,

858
00:39:36,080 --> 00:39:39,959
Speaker 2: don't worry about it, like that's too much. Someone said,

859
00:39:40,080 --> 00:39:42,880
Speaker 2: you shouldn't have lent money to someone in the first place.

860
00:39:42,960 --> 00:39:45,200
Speaker 2: You could have offered help in a lot of different ways,

861
00:39:45,480 --> 00:39:49,760
Speaker 2: which is kind of like, yeah, she didn't load, did she. Yeah.

862
00:39:50,040 --> 00:39:53,399
Speaker 2: So then a lot of people said, potentially you could

863
00:39:53,440 --> 00:39:55,799
Speaker 2: make peace with it and know that you just helped

864
00:39:55,840 --> 00:39:59,359
Speaker 2: a family member during a trying time. Someone else said,

865
00:39:59,360 --> 00:40:02,320
Speaker 2: if there's hope of the relationship improving or moving forward,

866
00:40:02,760 --> 00:40:06,840
Speaker 2: then I wouldn't start legal action. But if there's no hope,

867
00:40:07,200 --> 00:40:10,319
Speaker 2: I definitely would go down the legal route. Someone said,

868
00:40:10,320 --> 00:40:13,279
Speaker 2: cut your losses and move on. I feel like that

869
00:40:13,440 --> 00:40:16,120
Speaker 2: is not helpful. Like, don't get me wrong, I love

870
00:40:16,239 --> 00:40:20,399
Speaker 2: all of your dms, but I feel like saying cut

871
00:40:20,440 --> 00:40:23,040
Speaker 2: your losses like they've taken the time to write into

872
00:40:23,120 --> 00:40:25,040
Speaker 2: us and say this is a really big issue for me,

873
00:40:25,480 --> 00:40:28,200
Speaker 2: and to say cut your losses to me is quite

874
00:40:28,239 --> 00:40:31,279
Speaker 2: dismissive of what they're experiencing. They're not looking for you

875
00:40:31,320 --> 00:40:33,600
Speaker 2: to go give it up, don't worry about it. I

876
00:40:33,600 --> 00:40:36,760
Speaker 2: don't know. I don't know. I just feel like sometimes

877
00:40:36,960 --> 00:40:40,080
Speaker 2: that's not helpful. Someone else said, get some legal advice

878
00:40:40,360 --> 00:40:43,239
Speaker 2: and I think that's a good one because as much

879
00:40:43,320 --> 00:40:45,399
Speaker 2: as you know Jess and bear can, I like, Yep,

880
00:40:45,440 --> 00:40:47,520
Speaker 2: you could definitely take it further. Why not talk to

881
00:40:47,600 --> 00:40:51,399
Speaker 2: someone about taking that further a free like you can

882
00:40:51,440 --> 00:40:54,879
Speaker 2: call legal age. So I would work out what you

883
00:40:54,960 --> 00:40:56,840
Speaker 2: can do and your options and put them all on

884
00:40:56,880 --> 00:40:58,759
Speaker 2: the table, because it could even help you have that

885
00:40:58,880 --> 00:41:02,040
Speaker 2: conversation with that family member, because I know that I

886
00:41:02,120 --> 00:41:05,600
Speaker 2: would feel a little bit more stable in the conversation.

887
00:41:05,719 --> 00:41:07,319
Speaker 2: But I feel like the other person would take it

888
00:41:07,360 --> 00:41:10,000
Speaker 2: more seriously. If I was like, look, Jess, I've got

889
00:41:10,040 --> 00:41:13,640
Speaker 2: advice and here are the outcomes, I feel like maybe

890
00:41:13,680 --> 00:41:16,319
Speaker 2: they'd be more likely to take it very seriously and

891
00:41:16,400 --> 00:41:18,799
Speaker 2: commit to a payment plan with you instead of having

892
00:41:18,800 --> 00:41:22,000
Speaker 2: to go down that legal route. Someone said, as much

893
00:41:22,040 --> 00:41:25,359
Speaker 2: as it hurts, potentially it's a learning experience, but never

894
00:41:25,440 --> 00:41:28,600
Speaker 2: lend the money again. And then someone else said, your

895
00:41:28,640 --> 00:41:31,480
Speaker 2: piece is more valuable than money. You were lucky to

896
00:41:31,560 --> 00:41:34,600
Speaker 2: have been able to help. So I feel like a

897
00:41:34,600 --> 00:41:37,759
Speaker 2: lot of the advice was very, very similar. But we

898
00:41:37,840 --> 00:41:41,000
Speaker 2: then asked, hey, guys, have you guys had this experience

899
00:41:41,040 --> 00:41:44,440
Speaker 2: to yourself? Someone said, yeah, my dad did it to me.

900
00:41:44,800 --> 00:41:45,600
Speaker 5: Oh my.

901
00:41:47,000 --> 00:41:48,960
Speaker 2: Someone said no, because I'm a savage and I never

902
00:41:49,080 --> 00:41:53,160
Speaker 2: lend anyone money. Like, okay, savage queen. Someone said I

903
00:41:53,239 --> 00:41:56,360
Speaker 2: lent money to a girlfriend and it changed our friendship

904
00:41:56,440 --> 00:42:00,000
Speaker 2: for the worse. Someone said, my parents lent me money

905
00:42:00,040 --> 00:42:02,480
Speaker 2: and they made me sign a formal contract before they

906
00:42:02,520 --> 00:42:08,720
Speaker 2: gave me the cash. Honestly, smart genius parents. Someone said

907
00:42:08,800 --> 00:42:11,960
Speaker 2: I come from a Polynesian background, and culturally we give

908
00:42:12,000 --> 00:42:14,600
Speaker 2: money and would never expect anything back. And I think

909
00:42:14,600 --> 00:42:16,680
Speaker 2: that's a really like, that's really wholesome.

910
00:42:16,800 --> 00:42:17,000
Speaker 6: Yeah.

911
00:42:17,080 --> 00:42:21,680
Speaker 2: Also, culturally, these things happen in different ways, Like you

912
00:42:21,760 --> 00:42:25,319
Speaker 2: might be coming from a completely different background and you're

913
00:42:25,360 --> 00:42:27,759
Speaker 2: listening to this going, I know you gave your sibling money,

914
00:42:27,760 --> 00:42:30,920
Speaker 2: why are you chasing them for it? Yeah, so interesting

915
00:42:31,080 --> 00:42:33,880
Speaker 2: and kind of cool. Someone said my best advice is

916
00:42:33,960 --> 00:42:37,120
Speaker 2: never lend what you can't afford to lose. Yeah, which

917
00:42:37,160 --> 00:42:40,319
Speaker 2: is good advice as well. Someone said, yes, it took

918
00:42:40,520 --> 00:42:45,839
Speaker 2: years though, and we don't have a relationship anymore. Someone said, yes,

919
00:42:45,960 --> 00:42:49,760
Speaker 2: I was deceived give my dad twenty seven thousand dollars,

920
00:42:49,840 --> 00:42:53,800
Speaker 2: which he then gambled away breaking.

921
00:42:54,040 --> 00:42:57,200
Speaker 5: I guess something that we probably could just mention is

922
00:42:57,239 --> 00:42:59,920
Speaker 5: that they'm not paying. You could be a result of

923
00:43:00,080 --> 00:43:03,040
Speaker 5: them physically not having the cash for one reason or another.

924
00:43:03,120 --> 00:43:05,400
Speaker 5: And you know what that money went to if it

925
00:43:05,400 --> 00:43:08,960
Speaker 5: could be something like gambling or substance abuse or one

926
00:43:08,960 --> 00:43:11,279
Speaker 5: of those other tough things like it may be that

927
00:43:11,400 --> 00:43:13,640
Speaker 5: they've fallen down a hole and they physically don't have

928
00:43:13,680 --> 00:43:16,160
Speaker 5: the money to give you anymore, which is where I

929
00:43:16,160 --> 00:43:19,720
Speaker 5: think again that approach of kindness could really be helpful.

930
00:43:19,719 --> 00:43:21,799
Speaker 2: And maybe I think kindness always. I think it says

931
00:43:21,840 --> 00:43:25,160
Speaker 2: more about you than the situation at hand. And I

932
00:43:25,280 --> 00:43:28,360
Speaker 2: also think it gives the other person an opportunity to

933
00:43:28,440 --> 00:43:32,839
Speaker 2: kind of redeem that relationship and that situation. And I just, yeah,

934
00:43:32,880 --> 00:43:35,439
Speaker 2: I feel like kindness always. We did have a couple

935
00:43:35,520 --> 00:43:38,360
Speaker 2: of positive ones. Someone said, hey, V mine was positive.

936
00:43:38,400 --> 00:43:40,840
Speaker 2: I let my brother twelve grand. We made a spreadsheet

937
00:43:40,840 --> 00:43:42,680
Speaker 2: with dates for payments, and he paid the whole thing

938
00:43:42,760 --> 00:43:45,520
Speaker 2: back in full, much to my surprise. I love that

939
00:43:46,800 --> 00:43:49,279
Speaker 2: someone else said I was able to help my mum

940
00:43:49,320 --> 00:43:51,799
Speaker 2: get out of a domestic violence relationship and she's just

941
00:43:51,800 --> 00:43:55,200
Speaker 2: finished paying me BACKZ. Isn't that cool? Like really good?

942
00:43:55,280 --> 00:43:57,040
Speaker 2: I wanted to leave those ones for last because I

943
00:43:57,080 --> 00:43:59,640
Speaker 2: feel like lending money. I know that we asked you,

944
00:43:59,680 --> 00:44:01,400
Speaker 2: has this happened, and you might have gone down a

945
00:44:01,440 --> 00:44:04,239
Speaker 2: rabbit hole of only sharing negative stories. But I've learned

946
00:44:04,280 --> 00:44:07,080
Speaker 2: money to friends and family before, and I've had it

947
00:44:07,120 --> 00:44:10,400
Speaker 2: paid back in full, no questions asked, So I'm not

948
00:44:10,520 --> 00:44:13,160
Speaker 2: saying that this always happens. I don't want people to

949
00:44:13,160 --> 00:44:14,840
Speaker 2: get that vibe. And I mean, Beck, You've said on

950
00:44:14,880 --> 00:44:16,680
Speaker 2: the podcast a number of times that you've learnt money

951
00:44:16,680 --> 00:44:18,359
Speaker 2: from people, and I know you've always paid it back,

952
00:44:18,400 --> 00:44:22,320
Speaker 2: So I feel like this is something that can happen

953
00:44:22,360 --> 00:44:24,400
Speaker 2: but doesn't always happen. So I don't want it to

954
00:44:24,480 --> 00:44:26,520
Speaker 2: terrify you. If you're like, oh, but I always help

955
00:44:26,560 --> 00:44:29,319
Speaker 2: my friends, Like that's it's not a warning. It's more

956
00:44:29,760 --> 00:44:32,520
Speaker 2: this is an awful situation. You've been ghosted by a

957
00:44:32,520 --> 00:44:35,920
Speaker 2: family member who owed you fifteen thousand dollars and you

958
00:44:36,000 --> 00:44:39,440
Speaker 2: do definitely have options. Yeah, it's just a terrible thing

959
00:44:39,480 --> 00:44:41,680
Speaker 2: to go through, and I'm really sorry you had to Yeah,

960
00:44:41,920 --> 00:44:44,439
Speaker 2: perfect spot to leave it, I guess. So well, it's

961
00:44:44,480 --> 00:44:46,520
Speaker 2: been a good episode. Thanks for hanging out with me

962
00:44:46,920 --> 00:44:49,799
Speaker 2: once again, my friends. Until next week. I hope you

963
00:44:49,800 --> 00:44:51,640
Speaker 2: have a good weekend and we'll see brighton early on

964
00:44:51,640 --> 00:44:52,760
Speaker 2: Monday for a money diary.

965
00:44:52,840 --> 00:44:56,759
Speaker 4: Bye guys Bye.

966
00:45:00,080 --> 00:45:02,520
Speaker 2: The advice shared on She's on the Money is general

967
00:45:02,600 --> 00:45:06,440
Speaker 2: in nature and does not consider your individual circumstances. She's

968
00:45:06,480 --> 00:45:09,880
Speaker 2: on the Money exists purely for educational purposes and should

969
00:45:09,960 --> 00:45:13,160
Speaker 2: not be relied upon to make an investment or financial decision.

970
00:45:13,520 --> 00:45:15,960
Speaker 2: If you do choose to buy a financial product, read

971
00:45:16,000 --> 00:45:20,160
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

972
00:45:20,160 --> 00:45:23,440
Speaker 2: your needs. Victoria Divine and She's on the Money are

973
00:45:23,520 --> 00:45:28,560
Speaker 2: authorized representatives of money. Sheper pty Ltd ABN three two

974
00:45:28,600 --> 00:45:32,520
Speaker 2: one six four nine two seven seven zero eight AFSL

975
00:45:32,680 --> 00:45:45,560
Speaker 2: four five one two eight nine