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Speaker 1: Just before we get started, we'd like to acknowledge and

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Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's

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Speaker 1: they're the traditional custodians of the lands, the waterways and

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Speaker 1: the skies all across Australia. We thank you for sharing

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Speaker 1: and for caring for the land on which we are

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Speaker 1: able to learn. We pay respects to elders past and present,

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Speaker 1: and we share our friendship and our kindness.

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Speaker 2: She's on the Money, She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: Millennials who want Financial Freedom.

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Speaker 1: Welcome Back.

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Speaker 3: It's another shotback Money Diary Monday, where we get to

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Speaker 3: chat to the community, learn about you, your job, your money,

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Speaker 3: your hopes, your dreams, all of the fun things in between. Victoria,

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Speaker 3: we love to get the juicy deats. We do, indeed,

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Speaker 3: and I'm excited about this one.

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Speaker 1: Me too.

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Speaker 3: It's a goody, our diarist wrote, I'm an executive who

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Speaker 3: landed in this role by sheer coincidence following a twelve

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Speaker 3: month leave of absence. I took my leave of absence

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Speaker 3: after a near burnout episode where I realized that I

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Speaker 3: put myself on a ladder that I didn't want to climb.

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Speaker 3: I always had a story in my head that exec

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Speaker 3: strove Mercedes and had mansions, But throughout my career, I've

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Speaker 3: quickly learned that these sorts of stories actually limit what's

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Speaker 3: possible more than enable it. Deciding to take my leave

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Speaker 3: of absence was truly a play it safe or just

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Speaker 3: take a leap and see what happens next decision, where

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Speaker 3: everything on paper is telling me I should say, but

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Speaker 3: I decided to take the leap.

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Speaker 1: Oh my gosh, I know, very very interesting. I have

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Speaker 1: a lot of questions. I never get to hear or

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Speaker 1: read the emails that Jess does, so I'm always like,

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Speaker 1: what's this one about? How does this one? How interesting?

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Speaker 1: Is that? This is going to be an epic money diary?

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Speaker 4: Hopefully I'm hoping I can help you guys out.

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Speaker 1: Oh yeah, totally can. Can we dive straight in?

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Speaker 4: Yeah? Go for it.

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Speaker 1: Okay, So first question, tell us a little bit about

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Speaker 1: your money story.

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Speaker 4: My money story.

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Speaker 5: So, I grew up in a household where money wasn't

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Speaker 5: spoken about, and I now know as an adult that

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Speaker 5: actually money was used to avoid conflict. So I've never

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Speaker 5: really had a healthy relationship with money, not until I actually,

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Speaker 5: I guess, became an adult myself. I'm not sure I

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Speaker 5: classify myself as an adult.

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Speaker 4: I still I'm going to be when I grow up.

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Speaker 1: It's a real weird concept, isn't it. People are like, oh,

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Speaker 1: my gosh, you're getting married, and I'm like, yes, I

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Speaker 1: feel like a child bride, even the way I'm dirty.

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Speaker 5: Pretty much, I'm not in that same boat. But I

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Speaker 5: am thirty one now, just realizing that when kids look up,

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Speaker 5: they're like, oh, she's the adult in the room.

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Speaker 1: That's so strange, isn't it.

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Speaker 4: Yeah, it is.

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Speaker 5: So. I grew up fairly naive, didn't really ever speak

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Speaker 5: about money, learn about money until I was in my

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Speaker 5: kind of late twenties. I'd always focused on growing income

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Speaker 5: because I had, funnily enough, a cousin at a Christmas

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Speaker 5: event at one point asking me if I was making

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Speaker 5: six figures.

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Speaker 4: Yet, So that then became my kind of goal in

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Speaker 4: terms of growing my income, which just shows how naive

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Speaker 4: I was.

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Speaker 1: I feel like that's common though, Like this idea of

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Speaker 1: six figures is something that a lot of people go, oh,

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Speaker 1: by x age, I want to be earning six figures.

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Speaker 1: I remember a girlfriend of mine, or actually my ex

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Speaker 1: boyfriend sibling said, yeah, one of my goals is this

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Speaker 1: is like going back like ten years, she was like, yeah,

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Speaker 1: I want to earn one hundred grand before I turn thirty.

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Speaker 1: And I was like, oh wow, okay, yep, that's a goal.

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Speaker 1: I would like that too, and yeah. It's strange how

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Speaker 1: we pick up on those things.

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Speaker 4: Hey, yeah, big time.

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Speaker 5: And it's funny because then when you finally get there,

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Speaker 5: you realize, oh wow, particularly in Sydney where I live,

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Speaker 5: six figures isn't actually a big income because of sustain

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Speaker 5: a whole lot. And then as you learn and kind

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Speaker 5: of more and more at least, I was in a

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Speaker 5: position where I started to think about more than just money.

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Speaker 4: I was thinking about what this is actually facilitate for me?

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Speaker 4: Is this what I want?

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Speaker 5: Am I willing to put in what I need to

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Speaker 5: grow my income to this sort of level? And then

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Speaker 5: I came across a podcast, Coultures on the Money threw

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Speaker 5: a girl who was in my team at work. She

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Speaker 5: was one of my juniors, and we had this thing

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Speaker 5: in our team where every Friday we'd share, you know,

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Speaker 5: something that had come across that week that we thought

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Speaker 5: was kind of helpful with.

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Speaker 4: The team that was part of the kind of culture

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Speaker 4: I was trying to build. She shared the podcast and

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Speaker 4: I had this really weird moment where I was like,

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Speaker 4: hang on.

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Speaker 5: I should probably know more about this and what I

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Speaker 5: do as the leader and the team.

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Speaker 4: That was always a story that I told myself.

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Speaker 5: That kind of the leader had this shit down pat essentially,

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Speaker 5: but I didn't, so I just stayed very quiet.

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Speaker 4: I learned I had some very kind.

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Speaker 5: Of open, transparent conversations with people that I had kind

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Speaker 5: of developed trust with, and then from there started to

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Speaker 5: I guess refocus my energy on growing wealth over just

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Speaker 5: growing income.

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Speaker 1: Oh my gosh, how cool. It's cool in mindsight, Look,

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Speaker 1: it's cool in hindsight. At the time, I feel like

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Speaker 1: that is quite relatable in a way. I guess I'm

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Speaker 1: a boss of people and manage people, and sometimes I

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Speaker 1: feel like they look at me and go, oh, she

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Speaker 1: must have her stuff together so well, And when I

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Speaker 1: get asked a question, I'm like, oh, I don't do that.

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Speaker 1: Am I meant to do that? Like you feel a

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Speaker 1: bit more pressure because You're like, I'm the person they

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Speaker 1: look up too. Surely, surely I should have it together.

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Speaker 1: Is that a bit of what you were going through

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Speaker 1: a little bit.

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Speaker 5: Yeah, I mean I was quite privileged. So I'm a

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Speaker 5: psychologist by trade. I actually took the route that I

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Speaker 5: think you narrowly avoided. I'm currently doing my orkcyche.

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Speaker 1: I'm lucky. Oh my gosh, I'm so mby. I still

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Speaker 1: I would love to go back and do ork psyche.

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Speaker 1: But the barriers to that industry so hard to get

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Speaker 1: through that I'm like, oh, I can't take on that.

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Speaker 1: In addition, I'd love to one day call myself an

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Speaker 1: organizational psychologist. Oh that would be delightful.

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Speaker 4: That is a goal that I will achieve come November.

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Speaker 1: Oh my god. That leads so perfectly into the next

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Speaker 1: question money, dirice, What do you do for work? How

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Speaker 1: much money do you earn?

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Speaker 6: So I am a psychologist by trade, but I work

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Speaker 6: in a family office, which is a particular type of

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Speaker 6: investment management, looking after a business portfolio of a high

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Speaker 6: networth individual, which is bite ironic given how naive I

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Speaker 6: was about money until a couple of years ago.

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Speaker 5: So I help him look at each of his businesses

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Speaker 5: and figure out how we can use behavior to drive

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Speaker 5: high performance. So I apply my understanding of humans and

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Speaker 5: how we operate in the workplace to help him make

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Speaker 5: sure that his businesses are performing and that there are

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Speaker 5: places that people actually want to work, which is great.

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Speaker 1: How does it feel to be living my dream?

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Speaker 4: It feels pretty good.

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Speaker 5: I kind of I locked into this role, so I

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Speaker 5: post study, fell into consulting and actually ended up on

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Speaker 5: the corporate ladder in a global consulting them. Loved all

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Speaker 5: the people components, loved the like true consulting components where

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Speaker 5: you genuinely.

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Speaker 4: Got to partner with people to solve problems.

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Speaker 5: Really hated the kind of money making nature of consulting,

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Speaker 5: so spread tentacles.

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Speaker 4: Try and make yourself stick.

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Speaker 5: Yeah, And I find myself like so fortunate to be

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Speaker 5: in this role where I actually get to be a

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Speaker 5: consultant day in, day out and do I guess what.

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Speaker 4: I've been trying to do. It's not often these opportunities

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Speaker 4: come about, so I feel very grateful.

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Speaker 1: That's quite literally the dream. And I don't mean for everybody.

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Speaker 1: I mean on the pathway that you were on. I

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Speaker 1: also was in consulting, and I'd always look at like

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Speaker 1: BCG and be like, oh my gosh, like that's the goal,

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Speaker 1: that's the dream. And then you're like, Oh, this isn't

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Speaker 1: really my vibe, Like, I don't understand. Oh my gosh.

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Speaker 1: If I had your opportunity, there's no way she's on

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Speaker 1: the money would have existed. I would have thrived. That

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Speaker 1: sounds so exciting. I have so many questions for your offline,

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Speaker 1: but money direst. How much do you earn?

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Speaker 5: So I make substantially less right now than what I

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Speaker 5: have in years gone by in consulting. So at the moment,

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Speaker 5: I'm on a base of one eight five. I've got

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Speaker 5: a couple of benefits wrapped around that. But a large

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Speaker 5: part of the reason why I took my role at

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Speaker 5: the salary that I did was because of the people.

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Speaker 4: That I would get to work with.

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Speaker 5: I was after an environment where i'd be kind of

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Speaker 5: pushed and respected more so than an environment where i'd

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Speaker 5: earn big bucks, even though.

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Speaker 4: What i've technically do burn is quite big bucks comparative

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Speaker 4: to them.

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Speaker 1: It was about to be like one eight five, Okay,

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Speaker 1: sit down, what were you earning? Yeah, we want to

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Speaker 1: know what were you earning when you were doing consulting.

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Speaker 1: Spill the beans.

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Speaker 4: Yeah, so I was on two ten base.

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Speaker 5: But I also had various kind of plans in place

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Speaker 5: that included shares and a bit of equity. So actually

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Speaker 5: taking a leave of absence and making the decision not

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Speaker 5: to return and.

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Speaker 4: To take on my new role. I lost sixty.

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Speaker 5: Grand slip of shares, but it was, you know, a

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Speaker 5: decision where I had to prioritize. I guess my energy

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Speaker 5: and my longevity over my immediate earning potential over the

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Speaker 5: kind of two years that those shares would take the best.

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Speaker 1: So I feel like you were really glowy and no

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Speaker 1: one else can see this because it's a podcast, but

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Speaker 1: like you were really glowy when you were explaining how

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Speaker 1: you loved your job to us. I feel like you

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Speaker 1: made the absolute right decision like I would.

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Speaker 4: Oh.

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Speaker 1: I just feel like you're in the right space for

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Speaker 1: you at the moment, like it's so obvious. I love

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Speaker 1: that for you, money dearest, Speaking of money, what is

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Speaker 1: your big money goal?

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Speaker 4: My big money goal is to actually have a goal.

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Speaker 1: Cute. I like it.

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Speaker 4: Yeah.

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Speaker 5: I am fortune enough to have bought my very first

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Speaker 5: property in the last two years.

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Speaker 4: Okay, good Sydney, Yeah, which is exciting.

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Speaker 5: I have a partner who makes as much as what

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Speaker 5: I do, who isn't so good with money, so we

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Speaker 5: can come finances separate, which limits what I can do

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Speaker 5: comparative to potentially other women who were kind of in

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Speaker 5: my age bracket in a similar relationship.

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Speaker 4: Type situation to me. So my goal is.

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Speaker 5: To using this as an opportunity to get more comfortable

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Speaker 5: with talking.

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Speaker 4: About money and bringing that.

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Speaker 5: I guess in the forefront of my relationship, we've kept

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Speaker 5: everything intentionally separate, which has made it really easy, but

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Speaker 5: we're now at a point where we need to change that.

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Speaker 1: So yeah, that is such a pivotal part of a

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Speaker 1: relationship as well, where you're like, oh, we kind of

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Speaker 1: should do this, hey, and then you do. You get

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Speaker 1: forced into money conversations that often make you feel a

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Speaker 1: little bit uncomfortable. But it doesn't have to be uncomfortable.

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Speaker 1: I promise we're going to ask you about that after

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Speaker 1: the break though. I want to know right now, do

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Speaker 1: you have any investments, my friend?

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Speaker 4: I do. So.

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Speaker 5: I was fortunate enough in my previous role to be

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Speaker 5: given chares, so at the end of every performance here

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Speaker 5: they would reward kind of certain achievements, and I always

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Speaker 5: took the option to take the reward.

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Speaker 4: In terms of shares rather than as cool that would

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Speaker 4: be smart.

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Speaker 5: What I didn't know at the time was that they

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Speaker 5: were essentially slapping on handcuffs and therefore, when I went

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Speaker 5: to leave, it made it a bigger decision.

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Speaker 4: Than it probably needed to be.

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Speaker 5: But now that I head up HR for a company,

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Speaker 5: I know exactly why they did it because I do

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Speaker 5: it as well. Essentially, so I have a sizeable amount

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Speaker 5: of shares, but my portfolio is not diverse. The other

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Speaker 5: thing that I have in the portfolio is a property,

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Speaker 5: so that's the house that I live in, and I

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Speaker 5: think a logical goal for me would be to try

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Speaker 5: and add an additional one, which I think I just

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Speaker 5: need to get better at talking abouts actually sat in staying.

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Speaker 1: That's so exciting. I love that you've done this and

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Speaker 1: you're a young woman just going you have a buttner.

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Speaker 1: I'm still going to do it on my own. I've

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Speaker 1: got all of the It's just so cool to see

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Speaker 1: women who are thriving. I love it doing my best.

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Speaker 1: And the next question, my friend, do you have any debts?

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Speaker 4: I don't.

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Speaker 5: The one money tip I did pick up from my

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Speaker 5: family was don't ever get a credit card.

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Speaker 4: If you can't afford something, now you can't afford it.

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Speaker 4: At all. The only place to break that rule is

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Speaker 4: when you buy property or when you go to UNI.

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Speaker 4: So I broke that rule to go to UNI.

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Speaker 5: I've now because of the amount that I make paid

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Speaker 5: off my heckstat which was sizeable.

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Speaker 1: Yeah, she'd be gone really quick at your income see yours, but.

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Speaker 5: It also hung around for a very long time, so

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Speaker 5: doing an undergrad and then an honors and then a master's.

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Speaker 1: Girl, I feel you. Yeah for those listening along at home,

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Speaker 1: I still have a six figure hex step bye.

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Speaker 5: Mine was six figures, but now that is gone, which

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Speaker 5: is fantastic. I have a mortgage, but I consider that

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Speaker 5: like good debt as opposed to that debt.

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Speaker 1: Oh good.

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Speaker 4: Yeah, I don't have credit card. I don't use any

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Speaker 4: of those sorts of services.

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Speaker 5: I will probably need one at some point because I'll

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Speaker 5: end up with a company card personaliability attached to it.

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Speaker 4: But I'm trying to avoid that for as long as

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Speaker 4: I can. It's just kind of forces me to make

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Speaker 4: good decisions essentially.

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Speaker 1: Yeah, how exciting. Next question, she makes probably too many

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Speaker 1: good decisions to be an online shop address. Do you

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Speaker 1: use shot back?

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Speaker 4: I don't don't. I don't understand it. I really like,

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Speaker 4: I'm frugal and I'm.

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Speaker 1: Practical, so you need shot back. What are you doing?

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Speaker 3: That's one of the most honest responses. I love that.

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Speaker 3: Do you not understand why you would use it or

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Speaker 3: do you not understand how it works?

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Speaker 4: I honestly don't understand how it works.

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Speaker 5: So I tend to when I'm buying fashion use cash

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Speaker 5: because it really makes me consider cost per wear and weather.

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Speaker 1: Yeah, I can't use it with cash. Sorry.

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Speaker 4: Yeah, I'm really willing to make that decision.

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Speaker 5: That was just a bludgeting tip that I picked up

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Speaker 5: in my teams that I've kind of held onto.

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Speaker 4: Yeah. Of course, has good behaviors.

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Speaker 1: Makes the transaction a little bit more painful, so you

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Speaker 1: really think about whether you want that jumper or not exactly.

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Speaker 5: But it also makes me very naive when it comes

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Speaker 5: to different things that I could actually be using that would.

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Speaker 4: Save me money.

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Speaker 1: I feel like that's really common. But it's essentially it's

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Speaker 1: an app, but it's also an extension. I never used

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Speaker 1: the app in the way that everybody else was using

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Speaker 1: it because I was like, I don't want to have

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Speaker 1: to go shopping through an app. But I added the

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Speaker 1: extension to my browser on the computer, and now whenever

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Speaker 1: I'm at checkout, it literally pops up and says, hey,

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Speaker 1: if you you know your shop back to this, you'll

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Speaker 1: get a percentage back. And it's essentially a referral that

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Speaker 1: shop back get for you shopping on that website, and

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Speaker 1: then they share that referral with you, which I think

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Speaker 1: is pretty cool because sometimes they have really good cash

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Speaker 1: back rewards on things.

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Speaker 3: Yeah, sometimes they do, like twenty percent on places like

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Speaker 3: The Iconic and stuff because they carry a lot of brands,

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Speaker 3: which I think is probably the other thing paying cash

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Speaker 3: you miss out on is the ability to shop different

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Speaker 3: places for the best deal unless you're going store to store.

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Speaker 3: So I mean, shot back definitely doesn't work. You're paying cash.

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Speaker 3: The sad thing is, but if you ever online shop,

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Speaker 3: definitely worth it.

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Speaker 4: Okay, fabulous.

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Speaker 1: Yeah, And it's not like I'm saying go shopping and

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Speaker 1: just use it because it makes shopping reasonable. It's I

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Speaker 1: think it's just so cool to save additional money on

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Speaker 1: things you're already going to buy anyway, and you're getting

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Speaker 1: the best deal and you're also getting money back, Like

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Speaker 1: we love that anyway.

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Speaker 5: Yeah, and thank you for explaining it, because I understand

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Speaker 5: business models. I understand deal flow, so now I get it.

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Speaker 4: That's great.

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Speaker 3: Now you understand shop as well.

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Speaker 1: Yeah, like literally, they get paid to referral, they share

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Speaker 1: the referral with you. I'm like, oh, this is much

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Speaker 1: more simple than I thought it was going to be.

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Speaker 1: I thought it was some big complex model when I

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Speaker 1: first heard about it, and then I was like, oh,

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Speaker 1: that's really easy. That makes sense. I love it when

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Speaker 1: it makes sense. Money, Diaris, was your best money habit

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Speaker 1: paying for things in cash? If not, I want to

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Speaker 1: know what your best money habit is.

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Speaker 4: I think my best money habit is being frugal.

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Speaker 5: So I am quite happy to rock up to a

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Speaker 5: board meeting with ridiculously high network people wearing a tops

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Speaker 5: from Kmart.

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Speaker 1: Oh my gosh, me too.

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Speaker 5: Yes, I do splash occasionally, but I don't think that

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Speaker 5: you need to kind of I guess make rich to

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Speaker 5: be more about kind of what you bring into the

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Speaker 5: room in terms of kind of impact and value.

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Speaker 4: I mean, that's a mindset thing that's so good good

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Speaker 4: to money habits.

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Speaker 3: Yeah, your impact and value doesn't rely on how much

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Speaker 3: you and I really really like that.

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Speaker 1: Oh my god.

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Speaker 4: I mean you still have.

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Speaker 5: To take care of yourself and you still like, you know,

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Speaker 5: need to the part in these rooms.

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Speaker 3: You can do that affordably, of course, yeah, I wouldn't

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Speaker 3: wait on moves to work or or anything like that.

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Speaker 4: You kind of got addressed for your day. But I

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Speaker 4: don't think that you need to.

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Speaker 5: Try and match other people who are in, you know,

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Speaker 5: significantly different situations.

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Speaker 1: How did you get there? How did you get to

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Speaker 1: that mindset, especially in the space that you're working in.

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Speaker 1: When I started in consulting, one of the first things

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Speaker 1: I did was go and spend more than one thousand

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Speaker 1: dollars at Sabah. And I couldn't afford that at the time,

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Speaker 1: or I shouldn't have been spending that at the time,

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Speaker 1: but I was really like, oh my gosh, I'm going

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Speaker 1: to really need like some crispsuits. I want to fit in.

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Speaker 1: Like everybody else was so well dressed and was carrying

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Speaker 1: Priora handbags, and I was just like, oh my god, like,

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Speaker 1: I don't go here. How did you get to that

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Speaker 1: level of mindset?

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Speaker 4: I was really lucky.

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Speaker 5: Quite early on in my corporate career, I started working

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Speaker 5: really closely with a woman who is incredible.

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Speaker 4: She headed up Human Capital for a huge consulting firm.

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Speaker 4: She was the type of woman who had a beautiful in.

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Speaker 5: Losman and will kind of Chanel necklaces every single day

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Speaker 5: and had a handbag that was worth more than my car.

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Speaker 5: And one day I complimented her on her handbag and

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Speaker 5: she's like.

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Speaker 4: Oh, it's really cheap.

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Speaker 5: I got it on sale at a warehouse in the

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Speaker 5: US while I was traveling at some point. And I

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Speaker 5: think that moment really kind of, I guess, opened my

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Speaker 5: minds to the fact that even people and those sorts

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Speaker 5: of situations do have to make certain, you know, decisions

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Speaker 5: to be in the situations.

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Speaker 4: That they're in.

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Speaker 5: So from that point forward, I always questioned whether I

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Speaker 5: genuinely needed to do something or whether it was just

399
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Speaker 5: reinforcing a story that I was telling myself. And I

400
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Speaker 5: guess it's a side I'm quite privileged because I tend

401
00:17:38,400 --> 00:17:41,080
Speaker 5: to think up those sorts of things more so than

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Speaker 5: the average folk.

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Speaker 4: But yeah, that is one of the moments for me

404
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Speaker 4: that made me really question it.

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Speaker 1: How cool is that for you? That seemed to be

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Speaker 1: some kind of like core memory that has shaped the

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Speaker 1: way that you now interact with the world. And to

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Speaker 1: her it was probably a flippant comment that's just like,

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Speaker 1: oh thanks girl, like I got.

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Speaker 2: Her on sale.

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Speaker 1: Remember, she would have no idea. How cool is it

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Speaker 1: that everybody's experience of the same event can be so

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Speaker 1: wildly different. So cool to flip that. We've spoken about

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00:18:11,000 --> 00:18:13,919
Speaker 1: good money habits, and I love that yours is being frugal.

415
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Speaker 1: I think we can all take a leaf out of

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Speaker 1: that book. We need to find out your dirty, dirty laundry.

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Speaker 1: What is your worst money habit?

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Speaker 4: Probably avoidance.

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Speaker 5: So for a long while, when I was focused on

420
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Speaker 5: growing my income, I avoided life admin to do with

421
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Speaker 5: my finances, which I think helped me back.

422
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Speaker 4: Because I was focused on growing my income, I was.

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Speaker 5: Always comfortable, so I know about really had to face

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Speaker 5: the consequences of going back and not doing those things.

425
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Speaker 5: But now that I know more about money and what

426
00:18:44,640 --> 00:18:47,240
Speaker 5: it can unlock, kind of have a bit of regret

427
00:18:47,400 --> 00:18:50,199
Speaker 5: around not acting sooner, and I do still have a

428
00:18:50,200 --> 00:18:51,159
Speaker 5: bit of that avoidance.

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Speaker 1: It's easier to have you heard in the sand.

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Speaker 5: Yeah exactly, to go out for dinner and have a

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Speaker 5: really nice sinner that I can enjoy because it fits

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Speaker 5: within my budget, but not really think about, well, actually,

433
00:19:00,160 --> 00:19:01,720
Speaker 5: I probably should have been sitting down at home.

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Speaker 1: No, no, no, no, no, you deserved the dinner. We

435
00:19:05,480 --> 00:19:08,080
Speaker 1: make sure that that's in the budget because it's without

436
00:19:08,119 --> 00:19:10,200
Speaker 1: the journey, not the destination, my friend.

437
00:19:10,600 --> 00:19:13,640
Speaker 5: Yes, but when there's too much destruction and it actually,

438
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Speaker 5: you know, gets in.

439
00:19:14,560 --> 00:19:17,720
Speaker 4: The way of a good progress. Yeah, so the problem.

440
00:19:17,760 --> 00:19:20,159
Speaker 4: I'm at a point where I probably should see a

441
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Speaker 4: financial advisor.

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Speaker 5: And it's been on my list for three years and

443
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Speaker 5: it's one of those items because it's a mean thing

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Speaker 5: and I tend to prioritize other people. It goes on

445
00:19:28,359 --> 00:19:29,840
Speaker 5: the to do list from one year to the next

446
00:19:29,840 --> 00:19:33,119
Speaker 5: to the next. So that's probably my worst I no,

447
00:19:33,280 --> 00:19:36,680
Speaker 5: my god, probably my worst money habit dis avoidance.

448
00:19:36,840 --> 00:19:40,200
Speaker 1: All right, to wrap up this part of the show, money, darist,

449
00:19:40,240 --> 00:19:42,119
Speaker 1: I want to know what grade would you give your

450
00:19:42,119 --> 00:19:46,160
Speaker 1: money habits if we forced you to give yourself a grade.

451
00:19:45,720 --> 00:19:49,000
Speaker 5: I would probably give myself like a B plus trending

452
00:19:49,080 --> 00:19:51,240
Speaker 5: towards an A minus. I feel like I'm that kid

453
00:19:51,240 --> 00:19:54,120
Speaker 5: in primary school where the teacher writes the report card

454
00:19:54,119 --> 00:19:57,000
Speaker 5: that says such and such could be so amazing if

455
00:19:57,080 --> 00:20:01,080
Speaker 5: only they applied themselves.

456
00:20:01,800 --> 00:20:03,880
Speaker 1: Did you pick up my report card? Did my mom

457
00:20:03,960 --> 00:20:06,120
Speaker 1: give you my report card? Does it stay right under

458
00:20:06,160 --> 00:20:08,560
Speaker 1: that she also talks too much in class and distracts

459
00:20:08,560 --> 00:20:09,200
Speaker 1: all the other kids.

460
00:20:09,200 --> 00:20:13,080
Speaker 5: You must yeah, yeah, I'm not a psyche that prescribes

461
00:20:13,119 --> 00:20:16,080
Speaker 5: to psychometrics. They actually really hate them, and I know

462
00:20:16,119 --> 00:20:18,480
Speaker 5: that there's absolutely no science behind ay types. But I

463
00:20:18,480 --> 00:20:20,720
Speaker 5: feel like, you know, we all know someone that had

464
00:20:20,720 --> 00:20:22,600
Speaker 5: that report card, and they all tend to be in

465
00:20:23,000 --> 00:20:26,360
Speaker 5: similar life situations when they reach certain milestones, and that's

466
00:20:27,119 --> 00:20:27,800
Speaker 5: definitely me.

467
00:20:28,040 --> 00:20:29,920
Speaker 4: I need to just knuckle down.

468
00:20:30,119 --> 00:20:32,800
Speaker 1: So none of the verbs have ever had an original experience.

469
00:20:34,200 --> 00:20:36,040
Speaker 1: Let's go to a break, and when we get back,

470
00:20:36,119 --> 00:20:39,320
Speaker 1: I have a lot of questions for you, money diarist.

471
00:20:39,560 --> 00:20:42,280
Speaker 1: I want to get a little bit personal and ask

472
00:20:42,359 --> 00:20:45,320
Speaker 1: about your relationship and how you're talking about money and

473
00:20:45,359 --> 00:20:48,679
Speaker 1: your relationship, because before you mentioned you have an income

474
00:20:48,720 --> 00:20:52,320
Speaker 1: that's basically double what your partners is. You don't share income,

475
00:20:52,440 --> 00:20:54,760
Speaker 1: and you said that your partner doesn't have as you know,

476
00:20:54,880 --> 00:20:57,919
Speaker 1: as stable money habits as you do. How are you

477
00:20:57,960 --> 00:21:01,840
Speaker 1: negotiating that, What does that look like moving forward anything?

478
00:21:01,880 --> 00:21:04,480
Speaker 4: It's kind of taking the mindset that I.

479
00:21:04,119 --> 00:21:07,240
Speaker 5: Project in a kind of work environment and trying to

480
00:21:07,240 --> 00:21:07,720
Speaker 5: bring that.

481
00:21:07,640 --> 00:21:09,640
Speaker 4: Into my relationship in a really healthy way.

482
00:21:10,080 --> 00:21:14,320
Speaker 5: So I had a very open conversation with my partner

483
00:21:14,720 --> 00:21:17,280
Speaker 5: quite early on in the piece about money, what my

484
00:21:17,640 --> 00:21:19,600
Speaker 5: kind of mindset was around that, the fact that I

485
00:21:19,640 --> 00:21:22,000
Speaker 5: can be a little bit avoidant. We kind of spoke

486
00:21:22,040 --> 00:21:24,359
Speaker 5: about how it was used to manage conflict in my

487
00:21:24,480 --> 00:21:27,240
Speaker 5: family and how I don't want to establish those sorts

488
00:21:27,280 --> 00:21:30,679
Speaker 5: of bays, and my partner was really open about his

489
00:21:30,720 --> 00:21:32,919
Speaker 5: financial situation, why he was in the position that he

490
00:21:33,000 --> 00:21:34,680
Speaker 5: was in, what he was willing to work on, and

491
00:21:34,760 --> 00:21:36,080
Speaker 5: what was just an nogo zone.

492
00:21:36,359 --> 00:21:38,760
Speaker 4: We probably need to readdress that at some point.

493
00:21:38,880 --> 00:21:41,359
Speaker 5: That was quite a while ago, but since then we

494
00:21:41,440 --> 00:21:45,240
Speaker 5: decided to actually keep everything separate except for our mortgage.

495
00:21:45,320 --> 00:21:49,160
Speaker 4: So I've bought our place, my partner is buying in

496
00:21:49,320 --> 00:21:51,160
Speaker 4: as he helps me pay off the mortgage.

497
00:21:51,280 --> 00:21:55,040
Speaker 5: So we drew up the really often ready agreement between

498
00:21:55,119 --> 00:21:57,480
Speaker 5: us to make sure it was all above board. But

499
00:21:57,560 --> 00:22:01,359
Speaker 5: we keep absolutely everything separate, everything, if you feel, regardless

500
00:22:01,359 --> 00:22:05,800
Speaker 5: about financial situations, except for the mortgage, which he is

501
00:22:05,840 --> 00:22:08,520
Speaker 5: futting into over time as he helps me kind of

502
00:22:08,520 --> 00:22:11,320
Speaker 5: pay it down. So I'm kind of using that, I guess,

503
00:22:11,359 --> 00:22:15,240
Speaker 5: to help him a little bit, but also very much

504
00:22:15,320 --> 00:22:18,400
Speaker 5: protect myself, which feels wrong most days.

505
00:22:18,480 --> 00:22:20,960
Speaker 4: But I know that it's the kind of smart thing

506
00:22:21,040 --> 00:22:21,320
Speaker 4: to do.

507
00:22:21,600 --> 00:22:24,160
Speaker 3: It's funny you say that because we did an episode

508
00:22:24,200 --> 00:22:29,240
Speaker 3: actually not too long ago, on managing finances on different incomes,

509
00:22:29,359 --> 00:22:32,560
Speaker 3: because it's something we've seen mentioned in our Facebook group

510
00:22:32,600 --> 00:22:35,320
Speaker 3: a few times. And it's interesting that you say it

511
00:22:35,320 --> 00:22:38,119
Speaker 3: feels a bit bad because there is that icky feeling

512
00:22:38,200 --> 00:22:40,000
Speaker 3: where you don't want to be like, well, I'm better

513
00:22:40,040 --> 00:22:42,520
Speaker 3: than you because I earn more, and that's absolutely not

514
00:22:42,600 --> 00:22:45,600
Speaker 3: the case. But I think it's important to think about.

515
00:22:46,240 --> 00:22:48,600
Speaker 3: And something I say all the time is prepare for

516
00:22:48,640 --> 00:22:50,720
Speaker 3: the worst, but expect the best, because you hate to

517
00:22:50,760 --> 00:22:53,760
Speaker 3: be in a situation where something did go wrong and

518
00:22:53,800 --> 00:22:55,480
Speaker 3: you're like, oh my gosh, if only i'd put that

519
00:22:55,520 --> 00:22:58,200
Speaker 3: agreement in place to protect myself. Once it's too late.

520
00:22:58,240 --> 00:22:59,639
Speaker 3: It's too late and you can't do it. So I

521
00:22:59,640 --> 00:23:02,439
Speaker 3: think it's really healthy that you have had that conversation

522
00:23:02,560 --> 00:23:04,480
Speaker 3: and that it's in your mind that you want to

523
00:23:04,480 --> 00:23:09,040
Speaker 3: revisit that, because yeah, you should, God forbid something go wrong.

524
00:23:09,320 --> 00:23:11,520
Speaker 3: You have to look after you because nobody else will.

525
00:23:11,760 --> 00:23:12,920
Speaker 4: Exactly exactly.

526
00:23:12,960 --> 00:23:14,919
Speaker 5: I moved out of home when I was sixteen and

527
00:23:15,000 --> 00:23:16,960
Speaker 5: have been kind of paying my way since then. So

528
00:23:17,359 --> 00:23:19,200
Speaker 5: I've always had a bit of a hard line on

529
00:23:19,320 --> 00:23:21,920
Speaker 5: looking after myself everybody else.

530
00:23:21,800 --> 00:23:25,600
Speaker 1: It was ingreat it's so important? Then, yeah, I really

531
00:23:25,640 --> 00:23:25,919
Speaker 1: like that.

532
00:23:26,000 --> 00:23:28,600
Speaker 3: I want to ask about your leave of absence because

533
00:23:28,640 --> 00:23:30,919
Speaker 3: that is something else that we see a lot in

534
00:23:30,960 --> 00:23:33,640
Speaker 3: our group. And the conversations that we often see are

535
00:23:33,800 --> 00:23:37,520
Speaker 3: women who are in roles, and more often than not.

536
00:23:37,480 --> 00:23:40,040
Speaker 1: There are high pressure role Yeah.

537
00:23:39,760 --> 00:23:42,040
Speaker 3: And the thing that people usually say is, you know,

538
00:23:42,160 --> 00:23:43,960
Speaker 3: I'm earning a lot of money, or I have really

539
00:23:43,960 --> 00:23:46,520
Speaker 3: great benefits, but I have this setup, but I'm feeling

540
00:23:46,560 --> 00:23:49,800
Speaker 3: burnt out, or but the culture is really poor. How

541
00:23:49,840 --> 00:23:52,439
Speaker 3: do I decide whether or not I walk away from that?

542
00:23:52,720 --> 00:23:55,080
Speaker 3: And it sounds like that is exactly what you did.

543
00:23:55,119 --> 00:23:57,800
Speaker 3: You had this great, high paying job that on paper

544
00:23:58,040 --> 00:24:01,560
Speaker 3: people would undoubtedly kill for, but ultimately you decided to

545
00:24:01,600 --> 00:24:04,720
Speaker 3: walk away. How did you come to that decision? How

546
00:24:04,720 --> 00:24:07,880
Speaker 3: did you reconcile? I guess that change in lifestyle and

547
00:24:08,400 --> 00:24:11,240
Speaker 3: is there anything that people should consider now that you

548
00:24:11,240 --> 00:24:13,120
Speaker 3: can look at it from the perspective of hindsight.

549
00:24:13,280 --> 00:24:14,960
Speaker 4: Okay, there's a couple of things to this.

550
00:24:15,280 --> 00:24:18,159
Speaker 5: The very first question I had to ask myself is

551
00:24:18,359 --> 00:24:20,200
Speaker 5: will I actually come back?

552
00:24:20,480 --> 00:24:23,680
Speaker 4: So I was approaching burnout, and I.

553
00:24:23,600 --> 00:24:25,879
Speaker 5: Had to ask myself the really honest question, do I

554
00:24:25,920 --> 00:24:27,960
Speaker 5: just need to step away for a moment, or do

555
00:24:28,040 --> 00:24:31,159
Speaker 5: I actually need a fresh start? And stepping away for

556
00:24:31,200 --> 00:24:34,879
Speaker 5: a moment is an la stepping away forever for a

557
00:24:34,920 --> 00:24:37,840
Speaker 5: fresh start is a very different kind of conversation altogether.

558
00:24:38,280 --> 00:24:39,879
Speaker 4: When I kind of put it all.

559
00:24:39,760 --> 00:24:42,000
Speaker 5: Down on paper, I realized that there were some components

560
00:24:42,000 --> 00:24:44,920
Speaker 5: about my job that I really really loved and about

561
00:24:44,920 --> 00:24:47,040
Speaker 5: the life that had afforded me that I really really loved,

562
00:24:47,280 --> 00:24:49,200
Speaker 5: and I wasn't ready to step away.

563
00:24:48,920 --> 00:24:51,439
Speaker 4: From that completely. What I did need, though, was a

564
00:24:51,440 --> 00:24:52,120
Speaker 4: bit of time and.

565
00:24:52,040 --> 00:24:55,320
Speaker 5: Space to figure out what actually gave me energy and

566
00:24:55,359 --> 00:24:56,199
Speaker 5: what sucked it.

567
00:24:56,280 --> 00:24:59,479
Speaker 4: Which sounds really funny, but when you're on the wheel,

568
00:24:59,520 --> 00:24:59,800
Speaker 4: on the.

569
00:24:59,760 --> 00:25:02,520
Speaker 5: Core, it can be really difficult to actually take the

570
00:25:02,560 --> 00:25:04,439
Speaker 5: time to think about these things.

571
00:25:04,560 --> 00:25:06,879
Speaker 4: And it does take time to think about these things, and.

572
00:25:06,920 --> 00:25:09,480
Speaker 5: Mental health day here or there really is you're going

573
00:25:09,480 --> 00:25:11,600
Speaker 5: to help you figure out, you know, what gives you

574
00:25:11,720 --> 00:25:14,000
Speaker 5: energy in life. It might fill your bucket a little bit,

575
00:25:14,119 --> 00:25:15,720
Speaker 5: but it's not going to help you figure out whether

576
00:25:15,720 --> 00:25:17,120
Speaker 5: you're putting these in the right buckets.

577
00:25:17,520 --> 00:25:21,040
Speaker 4: So I answered that question and decided that I needed

578
00:25:21,080 --> 00:25:23,240
Speaker 4: to step away just for a period. I wasn't ready

579
00:25:23,240 --> 00:25:24,200
Speaker 4: to let go completely.

580
00:25:24,720 --> 00:25:27,000
Speaker 5: The next question I had to ask myself was do

581
00:25:27,080 --> 00:25:29,480
Speaker 5: you have enough cash or cash flow to support yourself.

582
00:25:29,760 --> 00:25:32,040
Speaker 5: At the time, I was looking at buying property because

583
00:25:32,119 --> 00:25:35,239
Speaker 5: I was in a situation that actually afforded that, and

584
00:25:35,280 --> 00:25:38,240
Speaker 5: I realized that that goal might be impacted by taking

585
00:25:38,440 --> 00:25:43,520
Speaker 5: unpaid leave because mostly the absences are unpaid. I really

586
00:25:43,640 --> 00:25:46,000
Speaker 5: envy people that get the opportunity to take a paid

587
00:25:46,080 --> 00:25:48,160
Speaker 5: leave of absence. It just seems like a fairy tale.

588
00:25:48,400 --> 00:25:51,960
Speaker 1: Yeah, yeah, totally, who gets that? No one?

589
00:25:52,520 --> 00:25:54,879
Speaker 4: Honestly, where are these bosses that run their businesses with

590
00:25:54,920 --> 00:25:55,600
Speaker 4: that much chat?

591
00:25:55,760 --> 00:25:57,520
Speaker 5: Anyway, I want to go hang out with them. I

592
00:25:57,560 --> 00:26:00,560
Speaker 5: can do some really cool things. So I had to myself,

593
00:26:00,640 --> 00:26:02,159
Speaker 5: like do I have enough cash in the bank and

594
00:26:02,240 --> 00:26:04,240
Speaker 5: have a really kind of good look at myself to

595
00:26:04,280 --> 00:26:08,040
Speaker 5: figure out whether I was, you know, living a lifestyle

596
00:26:08,040 --> 00:26:11,000
Speaker 5: that I was happy with and whether taking I guess

597
00:26:11,160 --> 00:26:13,639
Speaker 5: a bit of a hit from the cash would impact

598
00:26:13,680 --> 00:26:15,560
Speaker 5: that in a way that would impact my energy more

599
00:26:15,560 --> 00:26:17,720
Speaker 5: than you know I might potentially get back from.

600
00:26:17,520 --> 00:26:20,920
Speaker 4: Taking away of absence. The next question kind of once

601
00:26:20,960 --> 00:26:22,240
Speaker 4: i'd sorted that out.

602
00:26:22,320 --> 00:26:24,199
Speaker 5: That I needed to ask myself was that can I

603
00:26:24,240 --> 00:26:26,440
Speaker 5: do this in a way that isn't going to close

604
00:26:26,440 --> 00:26:28,760
Speaker 5: the door or burn a bridge. When you're in a

605
00:26:28,760 --> 00:26:32,720
Speaker 5: corporate environment, there's generally, at least in the consulting world,

606
00:26:33,000 --> 00:26:37,560
Speaker 5: there's very clear career and progression frameworks, and most of

607
00:26:37,600 --> 00:26:39,520
Speaker 5: it is based on kind of you know, value that

608
00:26:39,560 --> 00:26:42,080
Speaker 5: you create for the business and achieving certain milestones, but

609
00:26:42,200 --> 00:26:45,439
Speaker 5: some of it is genuinely tidy. So I had to

610
00:26:45,440 --> 00:26:48,359
Speaker 5: think about the impact to my next career progression step

611
00:26:48,400 --> 00:26:51,040
Speaker 5: and whether I was willing to kind of, I guess,

612
00:26:51,280 --> 00:26:55,000
Speaker 5: negotiate and kind of throw caution to the wind that's

613
00:26:55,000 --> 00:26:56,960
Speaker 5: the only way I can really put it, or can

614
00:26:57,000 --> 00:26:58,760
Speaker 5: I actually time this in a way it's going to

615
00:26:58,840 --> 00:27:00,679
Speaker 5: lead the door open so that I can then return

616
00:27:00,960 --> 00:27:03,240
Speaker 5: and kind of step back into a similar position, or

617
00:27:03,280 --> 00:27:05,040
Speaker 5: at least just back a little bit, not you know,

618
00:27:05,119 --> 00:27:06,200
Speaker 5: completely back at the start.

619
00:27:06,440 --> 00:27:07,400
Speaker 4: So I had to sort.

620
00:27:07,160 --> 00:27:09,640
Speaker 5: Through that, which talking to a lot of people really

621
00:27:09,720 --> 00:27:12,680
Speaker 5: understanding the business, how it was growing, who could take

622
00:27:12,720 --> 00:27:15,679
Speaker 5: over certain things that I was responsible for, really starting

623
00:27:15,680 --> 00:27:16,720
Speaker 5: to actually enable.

624
00:27:16,480 --> 00:27:18,000
Speaker 4: Those people to step into those roles.

625
00:27:18,040 --> 00:27:21,480
Speaker 5: Even before I'd kind of broached the conversation about an LA,

626
00:27:22,040 --> 00:27:24,040
Speaker 5: And then the last question I actually had to ask

627
00:27:24,080 --> 00:27:25,680
Speaker 5: myself was what do I actually want to get out

628
00:27:25,680 --> 00:27:27,600
Speaker 5: of the year, Because if I'm going to take that

629
00:27:27,640 --> 00:27:30,680
Speaker 5: period away, I need to be sure that it's actually

630
00:27:30,720 --> 00:27:33,479
Speaker 5: going to achieve what I needed to achieve. Because it

631
00:27:33,640 --> 00:27:36,080
Speaker 5: was a big decision, it was a big financial hit.

632
00:27:36,560 --> 00:27:39,280
Speaker 5: So I had to, I guess, ask those four questions,

633
00:27:39,280 --> 00:27:41,040
Speaker 5: which are not like, I mean, one of them is

634
00:27:41,080 --> 00:27:43,960
Speaker 5: money related, but most of them were more about I guess,

635
00:27:44,040 --> 00:27:46,560
Speaker 5: life and how I wanted to live it and money

636
00:27:46,640 --> 00:27:47,840
Speaker 5: I need to be able to service.

637
00:27:47,880 --> 00:27:50,240
Speaker 3: That was that leave of absence that was twelve months

638
00:27:50,280 --> 00:27:53,440
Speaker 3: you were originally going to take and then you ultimately

639
00:27:53,600 --> 00:27:56,200
Speaker 3: decided to walk away, right, correct.

640
00:27:55,920 --> 00:27:58,600
Speaker 5: Yeah, so I've got eight months in and I got

641
00:27:58,640 --> 00:28:03,280
Speaker 5: introduced to someone just a sheer coincidence, which then started

642
00:28:03,280 --> 00:28:04,840
Speaker 5: a little bit of work that I could use to

643
00:28:04,840 --> 00:28:07,359
Speaker 5: get a bit of cash flow going, which then just kind.

644
00:28:07,240 --> 00:28:09,400
Speaker 4: Of turned into a broader conversation.

645
00:28:09,680 --> 00:28:11,840
Speaker 5: So I made the really difficult decision even though I

646
00:28:11,840 --> 00:28:15,120
Speaker 5: did actually genuinely want to return when I left to to.

647
00:28:15,160 --> 00:28:19,000
Speaker 1: Leave, Wow, so what did you do for those eight months?

648
00:28:19,040 --> 00:28:21,040
Speaker 1: Like what do you do on a leave? Of absence,

649
00:28:21,400 --> 00:28:23,720
Speaker 1: I feel like so many people say, look, I took it.

650
00:28:23,840 --> 00:28:25,520
Speaker 1: You know, I wanted to spend more time with my

651
00:28:25,600 --> 00:28:27,920
Speaker 1: kids and my family, and you're not in that situation

652
00:28:27,960 --> 00:28:30,239
Speaker 1: where you have kids, So what were you doing with

653
00:28:30,280 --> 00:28:33,440
Speaker 1: your time to find your feet and I guess recover

654
00:28:33,600 --> 00:28:35,880
Speaker 1: from being almost burnt out.

655
00:28:36,359 --> 00:28:38,160
Speaker 5: I would love to say that I had like a

656
00:28:38,200 --> 00:28:41,080
Speaker 5: bee trip planned and I had all these amazing plans,

657
00:28:41,160 --> 00:28:43,640
Speaker 5: you know, by a van and take off for in Australia.

658
00:28:43,680 --> 00:28:46,680
Speaker 5: But honestly, once everything was locked and loaded and I

659
00:28:46,840 --> 00:28:50,440
Speaker 5: finally made the decision orchestrated everything to be able to

660
00:28:50,520 --> 00:28:52,760
Speaker 5: close the laptop and not be able to open it

661
00:28:52,800 --> 00:28:55,200
Speaker 5: again for twelve months, I sat on my couch on

662
00:28:55,280 --> 00:28:56,720
Speaker 5: that Monday, going what the.

663
00:28:56,640 --> 00:29:00,440
Speaker 4: Hell am I going to do with my child? I got,

664
00:29:00,480 --> 00:29:02,800
Speaker 4: I guess, really into exercise.

665
00:29:02,840 --> 00:29:05,480
Speaker 5: I did actually jump on a plane to Tuzzi, where

666
00:29:05,480 --> 00:29:07,280
Speaker 5: I'm from, to spend some time with my family.

667
00:29:07,840 --> 00:29:10,160
Speaker 4: I then spent a lot of my time talking to

668
00:29:10,200 --> 00:29:13,160
Speaker 4: different people. So I needed to figure out how.

669
00:29:12,840 --> 00:29:16,360
Speaker 5: To fill my bucket, where my energy was coming from,

670
00:29:16,880 --> 00:29:18,840
Speaker 5: how I was going to supplement that was.

671
00:29:18,840 --> 00:29:20,920
Speaker 4: Going to deplete from it. So I spoke to a

672
00:29:20,920 --> 00:29:22,320
Speaker 4: lot of people I reached out.

673
00:29:22,280 --> 00:29:27,160
Speaker 5: Basically and seek mentorship, and through that landed some very

674
00:29:27,280 --> 00:29:29,920
Speaker 5: very casual work which required me to set up my

675
00:29:29,960 --> 00:29:32,080
Speaker 5: own business so I could operate a trader. So that

676
00:29:32,160 --> 00:29:34,240
Speaker 5: kept me busy for a little bit setting that up.

677
00:29:34,280 --> 00:29:37,600
Speaker 5: That's quite a kind of learning. I involved a number

678
00:29:37,600 --> 00:29:39,600
Speaker 5: of sessions with an accountant and all of the kind

679
00:29:39,600 --> 00:29:41,520
Speaker 5: of admin that comes with it, as well as actually

680
00:29:41,600 --> 00:29:43,400
Speaker 5: naturing in a relationship to make sure that it then

681
00:29:43,480 --> 00:29:46,920
Speaker 5: results in work. So I did that, did some work,

682
00:29:47,400 --> 00:29:50,040
Speaker 5: and then kind of repeated that process until I ended

683
00:29:50,120 --> 00:29:52,560
Speaker 5: up meeting the guy that I now.

684
00:29:52,560 --> 00:29:53,400
Speaker 4: Work for today.

685
00:29:53,800 --> 00:29:58,120
Speaker 1: How cool. That's a journey and such an interesting one

686
00:29:58,400 --> 00:30:01,360
Speaker 1: one from my personal perspective, obviously, because we have very

687
00:30:01,360 --> 00:30:04,720
Speaker 1: similar backgrounds and now both work or I don't anymore.

688
00:30:04,800 --> 00:30:06,160
Speaker 1: I don't think I can say I work in the

689
00:30:06,200 --> 00:30:09,120
Speaker 1: ultra and net wealth space anymore purely because I've moved

690
00:30:09,120 --> 00:30:12,280
Speaker 1: more into podcasting. Still have ridge rich clients though, does

691
00:30:12,320 --> 00:30:15,640
Speaker 1: that count? But I just feel like that makes so

692
00:30:15,720 --> 00:30:18,760
Speaker 1: much sense, Like the burnout, the stress, the pressure, it

693
00:30:18,840 --> 00:30:22,479
Speaker 1: all makes so much sense. But you mentioned before, and

694
00:30:22,880 --> 00:30:25,400
Speaker 1: I know that Jess and and Elisa are probably trying

695
00:30:25,440 --> 00:30:27,280
Speaker 1: to wrap me up, but you mentioned before you left

696
00:30:27,280 --> 00:30:31,680
Speaker 1: home at sixteen. How did you financially support yourself during

697
00:30:31,720 --> 00:30:34,960
Speaker 1: that to then come out as this awesome human who

698
00:30:35,000 --> 00:30:38,680
Speaker 1: has this epic job and is basically killing it at life? Like,

699
00:30:39,120 --> 00:30:40,240
Speaker 1: how did that happen?

700
00:30:40,600 --> 00:30:44,080
Speaker 5: I worked at a Delhi in a local Ida, so

701
00:30:44,800 --> 00:30:46,640
Speaker 5: I'd love to say, Look, it was all kind of

702
00:30:46,680 --> 00:30:48,000
Speaker 5: hard work and careful planning.

703
00:30:48,080 --> 00:30:51,680
Speaker 4: Who was literally just went out tried to end some cash.

704
00:30:51,800 --> 00:30:55,560
Speaker 5: I worked crazy hours, I studied really really hard. I

705
00:30:55,600 --> 00:31:00,280
Speaker 5: knew that education would be a ticket to a better life. Lie,

706
00:31:00,480 --> 00:31:06,040
Speaker 5: so I paid my way, buckled down, started UNI started

707
00:31:06,040 --> 00:31:07,880
Speaker 5: training as a psychologist.

708
00:31:08,040 --> 00:31:10,600
Speaker 4: Realized part way through a they don't make very much

709
00:31:10,640 --> 00:31:13,360
Speaker 4: money and it's a very very.

710
00:31:13,680 --> 00:31:18,000
Speaker 5: High pressure job that requires a very special sort of person.

711
00:31:18,960 --> 00:31:24,240
Speaker 4: Are not. Yeah, I worked in a residential mental health facility.

712
00:31:24,280 --> 00:31:27,200
Speaker 5: It was actually amazing because at the time I was

713
00:31:27,240 --> 00:31:29,600
Speaker 5: hard on money. They actually paid me to sleep on

714
00:31:29,680 --> 00:31:31,400
Speaker 5: site so that I could be around.

715
00:31:31,280 --> 00:31:33,840
Speaker 4: For people who needed to support at all different hours.

716
00:31:34,240 --> 00:31:36,640
Speaker 5: It was a recipe for burnout in hindsight, but at

717
00:31:36,640 --> 00:31:38,120
Speaker 5: the time I was like, this is the best you

718
00:31:38,160 --> 00:31:42,040
Speaker 5: mean you're going to pay me to Like, it's like

719
00:31:42,120 --> 00:31:44,480
Speaker 5: the dream for someone who needs to support themselves and

720
00:31:44,520 --> 00:31:46,719
Speaker 5: it's kind of studying full time in that sort of space.

721
00:31:47,120 --> 00:31:50,120
Speaker 4: So I did that for a while and then realized

722
00:31:50,120 --> 00:31:52,160
Speaker 4: that it just wasn't something that I could build a

723
00:31:52,200 --> 00:31:53,000
Speaker 4: life around.

724
00:31:53,720 --> 00:31:56,360
Speaker 5: I looked for a job and learned around a role

725
00:31:56,400 --> 00:31:59,600
Speaker 5: in hospitality, working for a guy who was an ex consultant,

726
00:31:59,720 --> 00:32:01,920
Speaker 5: and the way that he ran his restaurant was just

727
00:32:01,960 --> 00:32:02,680
Speaker 5: like top notch.

728
00:32:02,720 --> 00:32:03,800
Speaker 4: Everything was really.

729
00:32:03,520 --> 00:32:06,560
Speaker 5: Slick, and I ended up in conversation with him about

730
00:32:06,560 --> 00:32:08,880
Speaker 5: what's happening in my other job and he said, oh,

731
00:32:08,880 --> 00:32:11,000
Speaker 5: you'd be pretty good at consulting. You should look into

732
00:32:11,080 --> 00:32:14,080
Speaker 5: ork CYC and kind of made the switch from there.

733
00:32:14,360 --> 00:32:16,480
Speaker 1: Yeah, I love that, and I feel like that's how

734
00:32:16,480 --> 00:32:18,720
Speaker 1: I got into it as well, like quite literally, when

735
00:32:18,720 --> 00:32:21,080
Speaker 1: and did a child Psyck placement was there two weeks

736
00:32:21,120 --> 00:32:23,040
Speaker 1: and I was like, this ain't my jam I cannot

737
00:32:23,120 --> 00:32:26,240
Speaker 1: do this. This takes such a special person and like

738
00:32:26,360 --> 00:32:29,120
Speaker 1: this obviously so much more to that story, and I

739
00:32:29,320 --> 00:32:31,760
Speaker 1: freaked out and had a meeting with somebody that I

740
00:32:31,800 --> 00:32:33,280
Speaker 1: really looked up to and they're like, why don't you

741
00:32:33,320 --> 00:32:35,560
Speaker 1: do orczych And I'm like, what, what's that? And they're like,

742
00:32:35,600 --> 00:32:37,240
Speaker 1: it's like the science of people at work. I was like,

743
00:32:37,240 --> 00:32:39,800
Speaker 1: what I can do that, and it just made so

744
00:32:39,960 --> 00:32:41,880
Speaker 1: much sense. I feel like you and I have very,

745
00:32:42,040 --> 00:32:43,480
Speaker 1: very similar career journeys.

746
00:32:43,960 --> 00:32:45,880
Speaker 5: There are a lot of people in Orxyche who have

747
00:32:45,920 --> 00:32:46,760
Speaker 5: a similar story.

748
00:32:46,800 --> 00:32:48,320
Speaker 4: It's always, you know, going.

749
00:32:48,040 --> 00:32:50,280
Speaker 5: In with un attention and kind of you know, finding

750
00:32:50,320 --> 00:32:52,840
Speaker 5: yourself in a situation where actually people are motivated to

751
00:32:52,880 --> 00:32:55,120
Speaker 5: make change because it's a big things for them in life.

752
00:32:55,240 --> 00:32:55,680
Speaker 1: Yeah, it's a.

753
00:32:55,880 --> 00:32:59,480
Speaker 5: Cheesier place to work I have for people that take

754
00:32:59,560 --> 00:33:01,840
Speaker 5: the hard I feel like I took the easy path

755
00:33:01,920 --> 00:33:04,000
Speaker 5: in some cases, but it's still equally It's.

756
00:33:05,240 --> 00:33:07,720
Speaker 1: Oh my gosh, I have loved this money diary, thank

757
00:33:07,720 --> 00:33:10,520
Speaker 1: you so much, but unfortunately I do think that that

758
00:33:10,680 --> 00:33:13,200
Speaker 1: is all we have time to capture today. Awesome, and

759
00:33:13,240 --> 00:33:13,960
Speaker 1: don't forget guys.

760
00:33:13,960 --> 00:33:16,040
Speaker 3: The advice shed on She's on the Money is general

761
00:33:16,080 --> 00:33:19,400
Speaker 3: in nature and does not consider your individual circumstances. She's

762
00:33:19,440 --> 00:33:22,440
Speaker 3: on the Money exists purely for educational purposes and should

763
00:33:22,440 --> 00:33:24,640
Speaker 3: not be relied upon to make an investment or a

764
00:33:24,640 --> 00:33:25,560
Speaker 3: financial decision.

765
00:33:25,800 --> 00:33:26,560
Speaker 1: And we promised.

766
00:33:26,600 --> 00:33:30,320
Speaker 3: Victoria Divine is an authorized representative of Infocused Securities Australia

767
00:33:30,320 --> 00:33:33,800
Speaker 3: Proprietary Limited, a BN four seven oh nine seven seven

768
00:33:33,920 --> 00:33:36,800
Speaker 3: nine seven O four nine AFSL two three six five

769
00:33:36,920 --> 00:33:38,600
Speaker 3: two three See you Next Money Diary.

770
00:33:38,720 --> 00:33:40,480
Speaker 1: Bye,