1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

2
00:00:04,960 --> 00:00:08,680
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:32,640
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:34,120
Speaker 2: Let's get into it.

11
00:00:34,760 --> 00:00:47,920
Speaker 3: She's on the Money, She's on the Money.

12
00:00:58,000 --> 00:01:01,160
Speaker 4: Hello, and welcome to She's on the Money, the podcast

13
00:01:01,160 --> 00:01:04,440
Speaker 4: for millennials who want financial freedom. Welcome back to my

14
00:01:04,520 --> 00:01:07,399
Speaker 4: favorite episode of the week, money Diaries, where we get

15
00:01:07,400 --> 00:01:09,440
Speaker 4: to talk with one of our incredible She's on the

16
00:01:09,440 --> 00:01:13,200
Speaker 4: Money community members all about their journey. Let's jump straight

17
00:01:13,240 --> 00:01:15,440
Speaker 4: into it because this week I got an email and

18
00:01:15,520 --> 00:01:16,600
Speaker 4: it sounded like this.

19
00:01:17,319 --> 00:01:19,640
Speaker 2: Hi V and Team. I'm twenty one and I have

20
00:01:19,760 --> 00:01:21,199
Speaker 2: visited fifteen.

21
00:01:20,760 --> 00:01:25,160
Speaker 4: Countries mostly through work, saved sixty five thousand dollars and

22
00:01:25,280 --> 00:01:28,200
Speaker 4: have just moved states, all thanks to my career in

23
00:01:28,280 --> 00:01:32,080
Speaker 4: the seafaring industry, my partner who is working towards being

24
00:01:32,120 --> 00:01:34,720
Speaker 4: a captain, and I am now saving for a house.

25
00:01:35,120 --> 00:01:37,640
Speaker 4: I've learned so much in this industry and it still

26
00:01:37,720 --> 00:01:40,400
Speaker 4: has so much more to offer me. I can't wait

27
00:01:40,440 --> 00:01:43,959
Speaker 4: to share my journey thus far. Money diarist, that's kind

28
00:01:44,000 --> 00:01:47,199
Speaker 4: of cool. You're twenty one, fifteen countries and you work

29
00:01:47,240 --> 00:01:48,120
Speaker 4: in seafaring.

30
00:01:48,480 --> 00:01:50,600
Speaker 5: Yes, thank you for having me.

31
00:01:51,640 --> 00:01:55,120
Speaker 2: Very fun, very niche. I want to learn more about it.

32
00:01:55,240 --> 00:01:58,080
Speaker 4: But before that, I want to know what grade would

33
00:01:58,120 --> 00:01:59,600
Speaker 4: you give your money habits if we asked you to

34
00:01:59,600 --> 00:02:01,840
Speaker 4: give them a grade from eight through to F.

35
00:02:02,440 --> 00:02:06,000
Speaker 5: Yeah, so I would give myself a B minus a.

36
00:02:05,880 --> 00:02:09,040
Speaker 4: B minus all right, I feel like that might not

37
00:02:09,120 --> 00:02:12,959
Speaker 4: be entirely accurate given what I have learnt thus far

38
00:02:13,120 --> 00:02:15,360
Speaker 4: in the two seconds we've been on the show.

39
00:02:15,760 --> 00:02:17,400
Speaker 2: But money, So let's dive straight in.

40
00:02:17,480 --> 00:02:19,799
Speaker 4: My favorite question, as always is can you just tell

41
00:02:19,880 --> 00:02:22,200
Speaker 4: us a little bit more about your money story?

42
00:02:22,440 --> 00:02:23,320
Speaker 5: Yeah? Of course.

43
00:02:23,400 --> 00:02:23,520
Speaker 1: So.

44
00:02:24,000 --> 00:02:27,280
Speaker 5: I was always taught from pretty much when I was

45
00:02:27,320 --> 00:02:30,919
Speaker 5: really young that money is not only necessary for basic needs,

46
00:02:30,960 --> 00:02:34,239
Speaker 5: but it's also really important to have for stability and

47
00:02:34,280 --> 00:02:37,280
Speaker 5: peace of mind. So when I was nine years old,

48
00:02:37,320 --> 00:02:39,959
Speaker 5: my parents went through a divorce, and it was really

49
00:02:40,040 --> 00:02:43,160
Speaker 5: important for me to understand that we have money to

50
00:02:43,200 --> 00:02:46,800
Speaker 5: fall back on. My parents had always raised me to

51
00:02:47,000 --> 00:02:49,880
Speaker 5: be very appreciative and grateful for the opportunities that we

52
00:02:49,960 --> 00:02:52,760
Speaker 5: had growing up, and that we had money that they'd

53
00:02:52,760 --> 00:02:56,720
Speaker 5: worked hard for. They always taught me sort of how

54
00:02:56,720 --> 00:02:59,839
Speaker 5: to manage my money from an early age. So when

55
00:02:59,840 --> 00:03:02,079
Speaker 5: I I was fourteen, I was paying for my own

56
00:03:02,120 --> 00:03:02,640
Speaker 5: phone bill.

57
00:03:02,919 --> 00:03:03,639
Speaker 2: Oh wow.

58
00:03:04,120 --> 00:03:08,160
Speaker 5: Yeah. When I was sixteen, I bought my first car outright,

59
00:03:08,360 --> 00:03:11,760
Speaker 5: and I bought all of my lessons as well. And

60
00:03:11,800 --> 00:03:14,359
Speaker 5: then when I was seventeen, I went on to pay

61
00:03:14,360 --> 00:03:16,600
Speaker 5: for all my registration and stuff without any of their help.

62
00:03:17,200 --> 00:03:20,160
Speaker 5: But you know, when I was younger, I kind of thought, oh,

63
00:03:20,200 --> 00:03:22,240
Speaker 5: they're making me pay for all these things, and my

64
00:03:22,280 --> 00:03:24,919
Speaker 5: friends don't have to do that. But now that I'm old,

65
00:03:24,960 --> 00:03:27,840
Speaker 5: I'm really appreciative that they drilled that into me at

66
00:03:27,880 --> 00:03:28,680
Speaker 5: a young age.

67
00:03:28,760 --> 00:03:31,080
Speaker 2: And you've just learned a lot through that process.

68
00:03:31,480 --> 00:03:34,960
Speaker 5: Yeah. So from there, I worked all through high school.

69
00:03:35,000 --> 00:03:39,280
Speaker 5: I worked full hours during year twelve, which was a lot,

70
00:03:39,480 --> 00:03:41,920
Speaker 5: and when I graduated it was peak COVID.

71
00:03:42,280 --> 00:03:45,840
Speaker 2: Oh no, yeah.

72
00:03:45,120 --> 00:03:49,120
Speaker 5: I went into university and I wasn't really enjoying it

73
00:03:49,160 --> 00:03:51,480
Speaker 5: that much with you know, no one on a campus

74
00:03:51,560 --> 00:03:55,000
Speaker 5: or anything. So I decided to go get a fun

75
00:03:55,120 --> 00:03:58,160
Speaker 5: job and take a gap year, which turned into three

76
00:03:58,200 --> 00:04:01,920
Speaker 5: gap years. Yeah, I stumbled into the seafaring industry just

77
00:04:01,920 --> 00:04:04,800
Speaker 5: in hospitality, and I honestly can't look back.

78
00:04:05,440 --> 00:04:08,120
Speaker 4: So tell me a little bit more about how you

79
00:04:08,200 --> 00:04:12,160
Speaker 4: stumbled into the seafaring industry to begin with, because that's niche.

80
00:04:12,240 --> 00:04:15,280
Speaker 4: I don't know anybody who just goes. Oh, I stumbled

81
00:04:15,280 --> 00:04:15,880
Speaker 4: into a.

82
00:04:16,000 --> 00:04:18,440
Speaker 2: Ship, So tell me a bit more about how that

83
00:04:18,520 --> 00:04:18,960
Speaker 2: came to be.

84
00:04:19,480 --> 00:04:22,200
Speaker 5: I kind of had sat down with my mum and

85
00:04:22,240 --> 00:04:24,479
Speaker 5: we talked through and I said, I'm not really sure

86
00:04:24,520 --> 00:04:27,840
Speaker 5: of going to university right now is for me? And

87
00:04:27,960 --> 00:04:32,680
Speaker 5: she kind of suggested that we had a distant family

88
00:04:32,720 --> 00:04:36,039
Speaker 5: member who was working on a small luxury cruise liner,

89
00:04:36,920 --> 00:04:39,279
Speaker 5: and she suggested that I go out and give it

90
00:04:39,320 --> 00:04:41,040
Speaker 5: a try, and if it's not for me, then it's

91
00:04:41,040 --> 00:04:44,479
Speaker 5: not for me. So I did, and within two weeks

92
00:04:44,680 --> 00:04:49,160
Speaker 5: I was on a flight out of my hometown and Yeah,

93
00:04:49,400 --> 00:04:50,599
Speaker 5: stepping foot into a boat.

94
00:04:51,120 --> 00:04:52,400
Speaker 2: How cool is that?

95
00:04:52,760 --> 00:04:55,880
Speaker 4: And you've loved it ever since, so much so that

96
00:04:56,000 --> 00:04:58,719
Speaker 4: your partner is in the industry, and you don't see

97
00:04:58,720 --> 00:05:00,279
Speaker 4: yourself leaving any time.

98
00:05:00,360 --> 00:05:01,800
Speaker 2: That is very very cool.

99
00:05:02,279 --> 00:05:05,000
Speaker 4: Yeah, Now tell me how a twenty one year old

100
00:05:05,120 --> 00:05:08,320
Speaker 4: has managed to visit fifteen countries and also save sixty

101
00:05:08,360 --> 00:05:10,919
Speaker 4: five thousand dollars, because sixty five thousand dollars is a

102
00:05:10,920 --> 00:05:13,120
Speaker 4: lot of money in this economy, my friend.

103
00:05:13,320 --> 00:05:18,400
Speaker 5: How so, working on ships has made it really easy.

104
00:05:18,880 --> 00:05:21,479
Speaker 5: When you're on board, you don't have really any expenses

105
00:05:21,480 --> 00:05:24,200
Speaker 5: at all. So I didn't pay for any rent, I

106
00:05:24,320 --> 00:05:26,799
Speaker 5: wasn't paying for food, I wasn't paying for my wine

107
00:05:26,839 --> 00:05:29,559
Speaker 5: at the end of the day, like everything is pretty

108
00:05:29,640 --> 00:05:32,120
Speaker 5: much included. They pay for your flights and your hotels,

109
00:05:32,680 --> 00:05:36,800
Speaker 5: so that cuts out almost everything that anybody has to

110
00:05:36,839 --> 00:05:39,200
Speaker 5: pay for. So it made it really easy to save.

111
00:05:39,600 --> 00:05:42,159
Speaker 4: I like the idea of the little wine at the

112
00:05:42,200 --> 00:05:44,760
Speaker 4: end of the day being included. That's a little perk

113
00:05:44,800 --> 00:05:47,640
Speaker 4: that I didn't expect of course.

114
00:05:48,400 --> 00:05:48,679
Speaker 1: Yeah.

115
00:05:48,720 --> 00:05:51,239
Speaker 5: And then also with that job, it allowed me to travel.

116
00:05:51,800 --> 00:05:55,920
Speaker 5: We went to many countries like Japan, New Zealand, Indonesia,

117
00:05:56,080 --> 00:06:00,520
Speaker 5: So working whilst traveling made it yeah again and really

118
00:06:00,839 --> 00:06:03,000
Speaker 5: cheap and easy to go to all these places.

119
00:06:03,440 --> 00:06:05,880
Speaker 2: Yeah, how cool? And did you get to travel while

120
00:06:05,920 --> 00:06:09,039
Speaker 2: you were there, Like obviously, going to different countries, I

121
00:06:09,040 --> 00:06:11,760
Speaker 2: would be so itchy. I'd be like, I want to

122
00:06:11,760 --> 00:06:12,280
Speaker 2: get off the ship.

123
00:06:12,279 --> 00:06:13,800
Speaker 4: I want to look at stuff like did you have

124
00:06:13,880 --> 00:06:15,600
Speaker 4: time off the ships to explore?

125
00:06:16,400 --> 00:06:19,239
Speaker 5: Yeah? So I was really fortunate that I was working

126
00:06:19,320 --> 00:06:22,880
Speaker 5: on an expedition cruise liner. So that means that they're

127
00:06:22,920 --> 00:06:26,159
Speaker 5: in port or anchor every day and the guests get

128
00:06:26,160 --> 00:06:29,480
Speaker 5: off and they go enjoy all these experiences. For us, obviously,

129
00:06:29,520 --> 00:06:31,440
Speaker 5: we don't work twenty four hours in a day. We

130
00:06:31,480 --> 00:06:33,880
Speaker 5: worked ten hours and then we had these huge breaks

131
00:06:33,880 --> 00:06:36,000
Speaker 5: where we were able to get off and go ashore

132
00:06:36,040 --> 00:06:39,800
Speaker 5: and you know, figure it out for ourselves. And yeah,

133
00:06:39,800 --> 00:06:41,400
Speaker 5: I did some really great things.

134
00:06:41,640 --> 00:06:44,080
Speaker 2: That is very cool. So now tell me what do

135
00:06:44,080 --> 00:06:46,000
Speaker 2: you currently do for work and how much money do

136
00:06:46,040 --> 00:06:46,360
Speaker 2: you earn?

137
00:06:46,720 --> 00:06:50,000
Speaker 5: Yeah? So I'm currently a casual steward on board an

138
00:06:50,040 --> 00:06:56,280
Speaker 5: overnight passenger ferry. My wage fluctuates each week, but at

139
00:06:56,279 --> 00:06:59,520
Speaker 5: the moment, I'm averaging around three thousand, two hundred per

140
00:06:59,560 --> 00:07:00,880
Speaker 5: fortnight after tax.

141
00:07:01,080 --> 00:07:02,200
Speaker 2: Oh my gosh.

142
00:07:02,680 --> 00:07:05,760
Speaker 5: Yeah, and I'm working about four days a week.

143
00:07:06,000 --> 00:07:06,960
Speaker 2: Oh money win.

144
00:07:07,160 --> 00:07:09,880
Speaker 4: And is it hard to get to and from from home?

145
00:07:09,960 --> 00:07:12,280
Speaker 4: Because obviously if you're on a ferry, you'd have to

146
00:07:12,320 --> 00:07:14,400
Speaker 4: live close to the port of the.

147
00:07:14,320 --> 00:07:15,560
Speaker 2: Faery and vice versa.

148
00:07:15,720 --> 00:07:18,040
Speaker 4: Like, how does all of that work if you end

149
00:07:18,120 --> 00:07:21,000
Speaker 4: up in a different location for the evening. Do they

150
00:07:21,040 --> 00:07:22,880
Speaker 4: still pay for your hotels and stuff like that?

151
00:07:23,560 --> 00:07:26,400
Speaker 5: Yeah, so the particular company I work for does pay

152
00:07:26,480 --> 00:07:31,520
Speaker 5: for fuel. I live around an hour away from the port,

153
00:07:31,600 --> 00:07:33,840
Speaker 5: so they do compensate for a lot of the fuel.

154
00:07:34,240 --> 00:07:37,280
Speaker 5: And if I finish at midnight, I had the opportunity

155
00:07:37,280 --> 00:07:39,360
Speaker 5: to stay at the onshore accommodation as well.

156
00:07:39,640 --> 00:07:39,880
Speaker 1: Yeah.

157
00:07:39,960 --> 00:07:42,840
Speaker 4: Cool, So you're also kind of safe as well, which

158
00:07:42,880 --> 00:07:44,640
Speaker 4: I think is really important, like if you've had a

159
00:07:44,680 --> 00:07:47,800
Speaker 4: really big shift at work or something like not having

160
00:07:47,800 --> 00:07:50,600
Speaker 4: to drive that extra hour or I really like that

161
00:07:50,680 --> 00:07:53,120
Speaker 4: they do that for you. And so you're earning about

162
00:07:53,120 --> 00:07:56,800
Speaker 4: three thousand dollars each after tax per fortnite. And is

163
00:07:56,840 --> 00:07:59,920
Speaker 4: that something that you will continue? Like are you currently

164
00:08:00,120 --> 00:08:03,239
Speaker 4: studying in the industry, Like what's the plan for the future.

165
00:08:03,600 --> 00:08:06,000
Speaker 5: Yeah, so at the moment, I'm in a first year

166
00:08:06,040 --> 00:08:10,840
Speaker 5: of Bachelor of Science majoring in marine biology. Currently this

167
00:08:11,080 --> 00:08:14,280
Speaker 5: industry is working really well because I have the opportunity

168
00:08:14,360 --> 00:08:17,400
Speaker 5: to study whilst working. So I do see myself doing

169
00:08:17,440 --> 00:08:18,720
Speaker 5: it for the next couple of years.

170
00:08:19,040 --> 00:08:20,520
Speaker 2: How exciting. I love this.

171
00:08:21,200 --> 00:08:23,640
Speaker 4: I need to know now, what are your big money goals?

172
00:08:23,680 --> 00:08:26,000
Speaker 4: What are you currently working towards? Because you got sixty

173
00:08:26,040 --> 00:08:28,480
Speaker 4: five grand saved, so you're well on the way.

174
00:08:29,120 --> 00:08:30,160
Speaker 2: What does that look like?

175
00:08:31,200 --> 00:08:34,400
Speaker 5: Yeah, so the biggest money goal is for my partner

176
00:08:34,440 --> 00:08:37,720
Speaker 5: and I to step into the property market. We are

177
00:08:37,800 --> 00:08:41,400
Speaker 5: looking at purchasing an investment property hopefully next year.

178
00:08:41,720 --> 00:08:45,439
Speaker 4: With Zella, no doubt. Obviously you're going to come through us.

179
00:08:45,600 --> 00:08:46,600
Speaker 4: We'll look after you.

180
00:08:47,120 --> 00:08:49,840
Speaker 5: Of course, I've already let my boyfriend know who are

181
00:08:49,880 --> 00:08:50,320
Speaker 5: going through.

182
00:08:50,440 --> 00:08:52,720
Speaker 2: Oh, you're a solid one, I owe you.

183
00:08:54,080 --> 00:08:57,080
Speaker 5: Yeah, so we kind of came across that decision because

184
00:08:57,720 --> 00:09:00,680
Speaker 5: we both have the opportunity to live at home still,

185
00:09:01,160 --> 00:09:04,680
Speaker 5: and we also both work away for long periods of time,

186
00:09:04,920 --> 00:09:09,000
Speaker 5: so it only made sense for us to look into renvesting.

187
00:09:09,280 --> 00:09:12,240
Speaker 4: Yeah, that's very cool and a good idea at your

188
00:09:12,360 --> 00:09:14,760
Speaker 4: age where you still don't know where you're going to

189
00:09:14,800 --> 00:09:17,280
Speaker 4: be placed. I was saying to you off air before

190
00:09:17,280 --> 00:09:20,680
Speaker 4: we started recording. In the maritime industry, I've had a

191
00:09:20,720 --> 00:09:24,120
Speaker 4: fair few friends go through this and they always end

192
00:09:24,200 --> 00:09:26,720
Speaker 4: up in the most random location. So you kind of

193
00:09:26,760 --> 00:09:29,560
Speaker 4: can't predict where your family home is going to be,

194
00:09:29,800 --> 00:09:32,000
Speaker 4: so I feel like we're investing will really work for you.

195
00:09:32,000 --> 00:09:34,480
Speaker 4: Guys at this point in your lives, do you have

196
00:09:34,520 --> 00:09:37,000
Speaker 4: any other big money goals or is it just property,

197
00:09:37,000 --> 00:09:39,240
Speaker 4: property property. At the moment when it comes to chatting

198
00:09:39,280 --> 00:09:40,839
Speaker 4: about finances.

199
00:09:41,880 --> 00:09:44,280
Speaker 5: Getting into the property market is the biggest money goal.

200
00:09:44,360 --> 00:09:47,520
Speaker 5: But obviously my partner and I do have itchy feet.

201
00:09:47,559 --> 00:09:49,320
Speaker 5: We do want to travel to a lot of places,

202
00:09:49,360 --> 00:09:51,880
Speaker 5: so saving up a bit of a travel fund as

203
00:09:51,920 --> 00:09:53,440
Speaker 5: well is yeah.

204
00:09:53,440 --> 00:09:56,960
Speaker 2: On the books, I love this. Where to next I.

205
00:09:57,000 --> 00:09:59,880
Speaker 5: Don't know, but still sort of deciding hopefully Southeast as

206
00:10:00,440 --> 00:10:02,080
Speaker 5: do a couple of months there.

207
00:10:01,960 --> 00:10:05,000
Speaker 2: A couple of months. Ah, you're living the dream.

208
00:10:05,559 --> 00:10:08,040
Speaker 4: I feel like I have additional fomo now that I'm

209
00:10:08,080 --> 00:10:10,480
Speaker 4: a mum. I'm like, also, it must be nice to

210
00:10:10,480 --> 00:10:12,079
Speaker 4: be able to go and spend a couple of months

211
00:10:12,160 --> 00:10:14,760
Speaker 4: in a different country that's now no longer an option

212
00:10:15,160 --> 00:10:18,520
Speaker 4: for me, so a little bit envious. That sounds awesome.

213
00:10:18,679 --> 00:10:20,800
Speaker 4: I actually have a whole heap more questions for you.

214
00:10:20,840 --> 00:10:22,480
Speaker 4: But let's go to a really quick break and on

215
00:10:22,480 --> 00:10:24,920
Speaker 4: the flip side, I want to know more about investment.

216
00:10:24,960 --> 00:10:26,720
Speaker 4: I want to talk about debt, and we're going to

217
00:10:26,720 --> 00:10:28,640
Speaker 4: talk about your best and worst mighty habits, which I

218
00:10:28,640 --> 00:10:30,560
Speaker 4: think there's going to be a few good ones, given

219
00:10:30,679 --> 00:10:33,880
Speaker 4: you've saved sixty five grand and you're basically still a child.

220
00:10:33,960 --> 00:10:35,720
Speaker 2: So guys, don't go anywhere.

221
00:10:39,280 --> 00:10:41,520
Speaker 4: Money diarista. We are back, and I want to know

222
00:10:41,720 --> 00:10:42,920
Speaker 4: do you invest if not?

223
00:10:43,160 --> 00:10:43,960
Speaker 2: Why not? If so?

224
00:10:44,160 --> 00:10:44,400
Speaker 4: In what?

225
00:10:45,120 --> 00:10:48,960
Speaker 5: I have started dipping my toes into investing. I currently

226
00:10:49,000 --> 00:10:51,360
Speaker 5: have three thousand dollars in Rays.

227
00:10:51,800 --> 00:10:53,719
Speaker 2: Ooh, that's exciting.

228
00:10:54,440 --> 00:10:59,280
Speaker 5: I'm using the roundups feature and also investing fifty dollars weekly.

229
00:10:59,320 --> 00:11:02,319
Speaker 2: At the moment, what made you pick that platform?

230
00:11:02,360 --> 00:11:05,120
Speaker 4: And what was I guess the trigger to even download

231
00:11:05,160 --> 00:11:07,960
Speaker 4: an investing platform to begin with, Like, what was your

232
00:11:08,120 --> 00:11:09,839
Speaker 4: all right now I'm gonna do it moment?

233
00:11:10,160 --> 00:11:14,880
Speaker 5: Yeah, So I'd never really considered investing just yet until

234
00:11:14,880 --> 00:11:18,080
Speaker 5: I'd listened to Shoes on the Money and I had

235
00:11:18,320 --> 00:11:20,800
Speaker 5: a few friends that were using Rays kind of just

236
00:11:20,840 --> 00:11:24,280
Speaker 5: to get their head around it. They recommended that as well.

237
00:11:24,360 --> 00:11:26,600
Speaker 5: So that's why I chose that platform.

238
00:11:27,040 --> 00:11:28,679
Speaker 4: At what point were You're like, you know what, I'm

239
00:11:28,679 --> 00:11:30,720
Speaker 4: actually going to start this because I feel like so

240
00:11:30,880 --> 00:11:34,360
Speaker 4: many of us really struggle with that pulling the trigger moment,

241
00:11:34,520 --> 00:11:36,680
Speaker 4: like we talk about oh yeah, I'll do that, I'll

242
00:11:36,720 --> 00:11:39,480
Speaker 4: download the app, and like it can feel like an

243
00:11:39,520 --> 00:11:42,800
Speaker 4: admin nightmare, even though it's not like you literally download

244
00:11:42,800 --> 00:11:44,120
Speaker 4: the app. I feel like we all put it off,

245
00:11:44,160 --> 00:11:45,600
Speaker 4: So what made you download it?

246
00:11:46,040 --> 00:11:48,240
Speaker 5: I was talking about it with one of my friends

247
00:11:48,920 --> 00:11:52,240
Speaker 5: and he kind of mentioned about how he's just started

248
00:11:52,280 --> 00:11:53,680
Speaker 5: doing it, and that was like.

249
00:11:53,840 --> 00:11:55,760
Speaker 2: I'm missing Outoo. I like it.

250
00:11:56,040 --> 00:11:59,280
Speaker 4: Yeah, absolutely, Pea pressure works for a lot of things,

251
00:11:59,320 --> 00:12:01,760
Speaker 4: and I'm honest not mad if it works to get

252
00:12:01,800 --> 00:12:04,679
Speaker 4: people investing, Like, I'm happy to be that little bit

253
00:12:04,679 --> 00:12:06,200
Speaker 4: of a bully if it means that you're in a

254
00:12:06,200 --> 00:12:07,360
Speaker 4: better financial position.

255
00:12:07,440 --> 00:12:09,400
Speaker 2: So I really like your friend. What a legend.

256
00:12:09,840 --> 00:12:13,360
Speaker 5: Yeah, and I also have eighteen thousand in my super.

257
00:12:13,840 --> 00:12:17,280
Speaker 4: Oh very cool. Eighteen grand at twenty one is looking

258
00:12:17,480 --> 00:12:20,760
Speaker 4: very very nice. Is there anything about your super that

259
00:12:20,800 --> 00:12:22,760
Speaker 4: you're like, I want to contribute more or are you

260
00:12:22,920 --> 00:12:24,040
Speaker 4: just watching it tick over?

261
00:12:24,160 --> 00:12:25,439
Speaker 2: Like do you have a super plan?

262
00:12:25,920 --> 00:12:29,360
Speaker 5: Yeah, I'm hoping that once I become a permanent, full

263
00:12:29,360 --> 00:12:33,280
Speaker 5: time employee that I can start salary sacrificing. For now,

264
00:12:33,320 --> 00:12:37,120
Speaker 5: it's just not really viable. I also have a goal

265
00:12:37,200 --> 00:12:40,839
Speaker 5: to look into my superannuation because I haven't really looked

266
00:12:40,880 --> 00:12:43,000
Speaker 5: into how it's going. I just sort of checked the

267
00:12:43,000 --> 00:12:43,920
Speaker 5: balance and that was it.

268
00:12:44,280 --> 00:12:44,800
Speaker 2: I like that.

269
00:12:44,880 --> 00:12:46,800
Speaker 4: I feel like that is a very good plan and

270
00:12:46,960 --> 00:12:49,560
Speaker 4: it's super easy to do. So smash that one out,

271
00:12:50,120 --> 00:12:50,559
Speaker 4: my friend.

272
00:12:50,600 --> 00:12:51,080
Speaker 2: I want to know.

273
00:12:51,120 --> 00:12:53,080
Speaker 4: I feel like the answer is no. But do you

274
00:12:53,120 --> 00:12:55,520
Speaker 4: have any debts? If so, what are they? If not,

275
00:12:55,720 --> 00:12:57,439
Speaker 4: have you ever been in debt? And how do you

276
00:12:57,480 --> 00:12:58,200
Speaker 4: feel about it?

277
00:12:58,720 --> 00:13:01,240
Speaker 5: I do have two two thousand dollars in my hex

278
00:13:01,280 --> 00:13:04,640
Speaker 5: at the moment, which is going to grow as I

279
00:13:04,720 --> 00:13:07,559
Speaker 5: finish my degree, but apart from that, I've never been

280
00:13:07,640 --> 00:13:08,440
Speaker 5: in any other debt.

281
00:13:08,679 --> 00:13:09,559
Speaker 2: That's very cool.

282
00:13:09,720 --> 00:13:12,760
Speaker 4: Now two thousand dollars on hex is looking pretty good.

283
00:13:13,200 --> 00:13:16,040
Speaker 4: But as someone with a hex step, that's only going

284
00:13:16,040 --> 00:13:18,320
Speaker 4: to increase over time, how does that make you feel?

285
00:13:18,360 --> 00:13:20,200
Speaker 4: Have you got a hex plan or are you just

286
00:13:20,240 --> 00:13:23,160
Speaker 4: looking at it going nope? That's absolutely fine by me, Like,

287
00:13:23,240 --> 00:13:24,040
Speaker 4: what are your thoughts?

288
00:13:24,440 --> 00:13:26,600
Speaker 5: Yeah, it is a little uncomfortable to know that it

289
00:13:26,679 --> 00:13:28,920
Speaker 5: is going to go up a little bit. I haven't

290
00:13:28,960 --> 00:13:31,280
Speaker 5: really thought too much about it as of yet. I

291
00:13:31,320 --> 00:13:33,120
Speaker 5: always had the idea that I was just going to

292
00:13:33,240 --> 00:13:36,600
Speaker 5: let it tick along. But now the indexation being a

293
00:13:36,600 --> 00:13:39,880
Speaker 5: little bit bigger than I had anticipated. I might have

294
00:13:39,960 --> 00:13:43,560
Speaker 5: to look into doing some contributions towards that, but I

295
00:13:43,600 --> 00:13:46,480
Speaker 5: haven't really gained enough information to sort of make a

296
00:13:46,520 --> 00:13:47,160
Speaker 5: decision yet.

297
00:13:47,240 --> 00:13:49,440
Speaker 4: I feel like one of the best things you can do,

298
00:13:49,600 --> 00:13:53,400
Speaker 4: given your mix of circumstances, so your HEX is going

299
00:13:53,440 --> 00:13:56,480
Speaker 4: to increase, but you also are planning on buying property

300
00:13:56,640 --> 00:13:59,040
Speaker 4: and you have a nice amount of savings, one of

301
00:13:59,120 --> 00:14:01,280
Speaker 4: the best things that you can potentially do is talk

302
00:14:01,320 --> 00:14:03,920
Speaker 4: to a mortgage broker. And the reason I say that

303
00:14:04,080 --> 00:14:06,320
Speaker 4: is so that you can understand how your HEX is

304
00:14:06,360 --> 00:14:09,480
Speaker 4: going to impact on your ability to get a loan. Now,

305
00:14:09,600 --> 00:14:11,800
Speaker 4: it won't stop you from getting alone. I think that's

306
00:14:11,840 --> 00:14:14,319
Speaker 4: a massive misconception where people are like, oh, I have

307
00:14:14,400 --> 00:14:16,000
Speaker 4: got this HEX debt. I need to smash it all

308
00:14:16,040 --> 00:14:18,200
Speaker 4: down before I get a loan. The way that bank

309
00:14:18,280 --> 00:14:21,280
Speaker 4: seat is it's a HEX loan. Actually that's alone. That

310
00:14:21,640 --> 00:14:24,480
Speaker 4: one obviously, if you aren't earning an income, you don't

311
00:14:24,560 --> 00:14:27,240
Speaker 4: have to pay back, which is very attractive, let's be honest.

312
00:14:27,640 --> 00:14:31,680
Speaker 4: But two, it tells them that you're usually more qualified

313
00:14:32,000 --> 00:14:34,400
Speaker 4: and you're going to earn more income in the future,

314
00:14:34,480 --> 00:14:35,920
Speaker 4: so they look at it and go, yeah, it's not

315
00:14:35,960 --> 00:14:38,560
Speaker 4: like having a car loan, it's not like having personal debt.

316
00:14:38,880 --> 00:14:41,360
Speaker 4: But definitely have a chat to a broker because they

317
00:14:41,360 --> 00:14:44,120
Speaker 4: could say, look, don't worry about it money diarist, it's

318
00:14:44,120 --> 00:14:47,680
Speaker 4: an absolute non issue. Or in certain circumstances at Zella

319
00:14:47,760 --> 00:14:49,520
Speaker 4: have meant that we've said to client's look, we know

320
00:14:49,600 --> 00:14:52,000
Speaker 4: you've got X amount on HEX, you've also got this

321
00:14:52,080 --> 00:14:55,080
Speaker 4: amount in savings. If you just paid off that HEX,

322
00:14:55,160 --> 00:14:58,120
Speaker 4: your servicing would increase by another thirty thousand dollars and

323
00:14:58,200 --> 00:15:01,200
Speaker 4: you want that and they go, oh, that would be fantastic.

324
00:15:01,480 --> 00:15:03,680
Speaker 4: So two thousand dollars probably not going to do the

325
00:15:03,720 --> 00:15:06,080
Speaker 4: most at this point. But I'm assuming, given you're planning

326
00:15:06,120 --> 00:15:08,400
Speaker 4: on purchasing with your partner, your partner might also have

327
00:15:08,440 --> 00:15:11,200
Speaker 4: a HEX, and it's good to just understand the process

328
00:15:11,280 --> 00:15:13,880
Speaker 4: before you dive headfirst in. And I think a lot

329
00:15:13,920 --> 00:15:16,840
Speaker 4: of people don't realize they can have that conversation a

330
00:15:16,920 --> 00:15:19,680
Speaker 4: year before you buy, just so you go, nope, we've

331
00:15:19,680 --> 00:15:21,560
Speaker 4: got our head screwed on. We know what this means,

332
00:15:21,560 --> 00:15:23,640
Speaker 4: we know what interest rates are probably going to hit us,

333
00:15:23,720 --> 00:15:26,680
Speaker 4: we know what our situation looks like, and we even

334
00:15:26,680 --> 00:15:29,120
Speaker 4: know what type of deposit we need because we know

335
00:15:29,160 --> 00:15:31,480
Speaker 4: what we can access when it comes to grants and schemes.

336
00:15:31,680 --> 00:15:34,280
Speaker 4: So you know, side note there, just trying to give

337
00:15:34,320 --> 00:15:37,080
Speaker 4: advice without giving advice, chat to someone so that you're

338
00:15:37,080 --> 00:15:39,480
Speaker 4: in the best possible position, so that none of it

339
00:15:39,520 --> 00:15:40,479
Speaker 4: has to be stressful.

340
00:15:42,040 --> 00:15:42,840
Speaker 2: Money darist.

341
00:15:43,240 --> 00:15:45,400
Speaker 4: I'll stop on my rant because I want to go

342
00:15:45,480 --> 00:15:47,960
Speaker 4: back to you. Tell me feel like you're going to

343
00:15:48,040 --> 00:15:50,240
Speaker 4: have some good money habits to share with us.

344
00:15:50,360 --> 00:15:53,080
Speaker 2: What have you got? What's your best money habit?

345
00:15:53,920 --> 00:15:56,600
Speaker 5: So my best money habit would be that I'm very

346
00:15:56,600 --> 00:15:59,920
Speaker 5: good at living within my means. For example, I currently

347
00:16:00,160 --> 00:16:03,360
Speaker 5: share a two thousand and two car with my boyfriend.

348
00:16:03,760 --> 00:16:06,280
Speaker 5: We're not very interested in buying anything new or shiny.

349
00:16:06,760 --> 00:16:09,440
Speaker 5: If it'll do, it'll do. I'm also very good at,

350
00:16:09,480 --> 00:16:13,840
Speaker 5: like not falling into micro trends and purchasing something just

351
00:16:13,880 --> 00:16:16,720
Speaker 5: because it's cool at the time. I think that that's

352
00:16:17,040 --> 00:16:18,880
Speaker 5: yeah become a real big issue lately.

353
00:16:19,440 --> 00:16:21,080
Speaker 2: Micro trends is a good one.

354
00:16:21,440 --> 00:16:25,040
Speaker 4: I hadn't really heard it framed that way before, but

355
00:16:25,160 --> 00:16:29,040
Speaker 4: I totally am buying into this micro trend thing. I'm

356
00:16:29,040 --> 00:16:31,880
Speaker 4: assuming when you say micro trends, you're talking about like

357
00:16:32,560 --> 00:16:37,040
Speaker 4: consumer items like the Stanley cup or a particular lipstick.

358
00:16:37,120 --> 00:16:38,840
Speaker 2: Is that what you mean by micro trends?

359
00:16:39,280 --> 00:16:41,880
Speaker 5: Yeah, like the Stanley cup, or like buying the new

360
00:16:41,920 --> 00:16:44,720
Speaker 5: Sumbers when you know you've already got perfectly good shoes

361
00:16:44,760 --> 00:16:45,120
Speaker 5: at home.

362
00:16:45,520 --> 00:16:47,440
Speaker 2: Yes, I love this concept.

363
00:16:48,040 --> 00:16:50,240
Speaker 4: I'm going to steal this concept from you and make

364
00:16:50,280 --> 00:16:53,720
Speaker 4: it an entire podcast because I feel like micro trends

365
00:16:53,760 --> 00:16:59,120
Speaker 4: could be ruining our financial lives probably. So what other

366
00:16:59,160 --> 00:17:00,640
Speaker 4: good money habits have you got?

367
00:17:01,120 --> 00:17:03,720
Speaker 5: I've just become really good at saving where I need to.

368
00:17:04,359 --> 00:17:08,160
Speaker 5: I won't purchase something that's expensive without really good thought

369
00:17:08,160 --> 00:17:10,919
Speaker 5: about it. I've learned not to be really impulsive, So

370
00:17:11,800 --> 00:17:13,720
Speaker 5: I'll let it sit in my shopping cart for a week,

371
00:17:13,760 --> 00:17:15,320
Speaker 5: and if I really want it, I will get it.

372
00:17:15,640 --> 00:17:16,399
Speaker 2: Yeah. I love that.

373
00:17:16,520 --> 00:17:18,960
Speaker 4: I feel like putting at least twenty four hours between

374
00:17:19,000 --> 00:17:22,199
Speaker 4: you and your spending leads to better financial decisions. But

375
00:17:22,240 --> 00:17:23,960
Speaker 4: if you can leave it a week, like, I feel

376
00:17:24,000 --> 00:17:27,480
Speaker 4: like that's even better. But my friend, I have itchy

377
00:17:27,480 --> 00:17:30,000
Speaker 4: feet and I'm impulsive, So I'm just gonna stick with

378
00:17:30,040 --> 00:17:32,760
Speaker 4: my twenty four hours because I feel like that's reasonable.

379
00:17:32,760 --> 00:17:35,240
Speaker 4: But if you can leave it a week sligh, do

380
00:17:35,280 --> 00:17:37,040
Speaker 4: you have any bad money habits, like what do you

381
00:17:37,040 --> 00:17:38,000
Speaker 4: think is your worst?

382
00:17:38,400 --> 00:17:40,680
Speaker 5: I do? And you're really not gonna like me for this?

383
00:17:41,200 --> 00:17:41,720
Speaker 2: Not a thing.

384
00:17:42,119 --> 00:17:45,600
Speaker 4: I love everybody, regardless of their decisions.

385
00:17:46,000 --> 00:17:50,400
Speaker 5: I have got absolutely no structure or budget towards managing

386
00:17:50,440 --> 00:17:50,959
Speaker 5: my money.

387
00:17:51,280 --> 00:17:54,080
Speaker 2: How do you save sixty five grand and not budget

388
00:17:54,160 --> 00:17:56,560
Speaker 2: at all? I feel like you're better at it than me.

389
00:17:56,680 --> 00:17:59,760
Speaker 5: Then I don't know. I just sort of get paid

390
00:17:59,840 --> 00:18:02,280
Speaker 5: and then I take out what I need when I

391
00:18:02,320 --> 00:18:05,639
Speaker 5: need it, Like I don't transfer four hundred dollars a

392
00:18:05,640 --> 00:18:07,720
Speaker 5: week for this. If I need to go to the

393
00:18:07,720 --> 00:18:10,560
Speaker 5: shops for groceries, I'll just transfer what I'm about to pay.

394
00:18:10,880 --> 00:18:12,760
Speaker 2: Yeah, okay, I feel like that is.

395
00:18:14,280 --> 00:18:17,760
Speaker 4: Very common for your demographic, because obviously you don't have

396
00:18:17,800 --> 00:18:20,919
Speaker 4: heaps of overheads like I'm assuming in this situation. You

397
00:18:20,920 --> 00:18:22,840
Speaker 4: said you were living at home, so there's clearly no

398
00:18:22,920 --> 00:18:25,399
Speaker 4: rent and there's no real big bills. You don't have

399
00:18:25,480 --> 00:18:28,159
Speaker 4: a car repayment or anything. So this makes sense for

400
00:18:28,200 --> 00:18:31,359
Speaker 4: your situation. But I don't mean to bring the mood down.

401
00:18:31,480 --> 00:18:33,800
Speaker 4: It's not going to serve you well for long because

402
00:18:33,840 --> 00:18:36,280
Speaker 4: the second you have rent, the second you have big

403
00:18:36,320 --> 00:18:39,080
Speaker 4: bills to pay, you're going to go, wait, what, where's

404
00:18:39,119 --> 00:18:42,480
Speaker 4: all my money gone? Like this makes no sense because

405
00:18:42,520 --> 00:18:45,120
Speaker 4: you've been so used to being able to take from

406
00:18:45,119 --> 00:18:47,920
Speaker 4: a pot of money that didn't have a lot of expenditure.

407
00:18:49,359 --> 00:18:52,879
Speaker 5: Yeah. Absolutely, So my twenty twenty four goal is to

408
00:18:52,920 --> 00:18:57,159
Speaker 5: get my budgeting sorted and start managing what comes in

409
00:18:57,200 --> 00:18:59,800
Speaker 5: and out. But I'm still sort of yet to get there.

410
00:19:00,600 --> 00:19:02,560
Speaker 4: That's okay, I'm going to fix you up. I feel

411
00:19:02,560 --> 00:19:04,880
Speaker 4: like I've been doing this a lot on the show recently.

412
00:19:05,000 --> 00:19:07,360
Speaker 4: It's not normal for me to do this, but we're

413
00:19:07,359 --> 00:19:08,920
Speaker 4: going to keep doing it because I like it. I'm

414
00:19:08,920 --> 00:19:11,240
Speaker 4: going to give you my Money Masterclass, which will do

415
00:19:11,400 --> 00:19:13,719
Speaker 4: all of the budgeting and cash flow for you. So

416
00:19:13,800 --> 00:19:17,120
Speaker 4: it's like an epic spreadsheet. I'm biased because I made it,

417
00:19:17,440 --> 00:19:19,679
Speaker 4: but it literally automates all of it. So you just

418
00:19:19,720 --> 00:19:21,720
Speaker 4: put in what you're spending, and it will tell you

419
00:19:22,040 --> 00:19:24,080
Speaker 4: what account it needs to go to and what you've

420
00:19:24,080 --> 00:19:27,520
Speaker 4: got leftover to allocate towards those holidays you're planning or

421
00:19:27,560 --> 00:19:30,120
Speaker 4: the home purchase that you're making, and it will ask

422
00:19:30,200 --> 00:19:32,840
Speaker 4: you about your goals so that we can work towards those.

423
00:19:33,000 --> 00:19:35,520
Speaker 4: It's all automated, so it'll be really low effort but

424
00:19:35,600 --> 00:19:39,000
Speaker 4: really high outcome. And I'm assuming that leads into the

425
00:19:39,040 --> 00:19:41,600
Speaker 4: next question I have for you money. I's at the

426
00:19:41,600 --> 00:19:45,000
Speaker 4: start you said, I'm a BS. Is it budgeting that

427
00:19:45,040 --> 00:19:47,159
Speaker 4: would take you to an A plus? If not, what

428
00:19:47,320 --> 00:19:50,400
Speaker 4: would get you to being an A plus money person.

429
00:19:50,960 --> 00:19:54,640
Speaker 5: I think the budgeting as well as being more resourceful.

430
00:19:55,440 --> 00:19:59,040
Speaker 5: I have access to be able to look into lowering

431
00:19:59,080 --> 00:20:03,439
Speaker 5: my phone bill, or exploring different banks, or exploring my

432
00:20:03,480 --> 00:20:05,960
Speaker 5: super but I just haven't done that yet. As soon

433
00:20:05,960 --> 00:20:08,880
Speaker 5: as I get into that and step into the property

434
00:20:08,920 --> 00:20:12,400
Speaker 5: market and start budgeting just becoming more organized all over,

435
00:20:12,520 --> 00:20:14,800
Speaker 5: I think it would take me up to an A

436
00:20:14,960 --> 00:20:16,320
Speaker 5: plus totally.

437
00:20:16,480 --> 00:20:19,000
Speaker 4: And I need you to be good at budgeting before

438
00:20:19,040 --> 00:20:22,359
Speaker 4: you get a mortgaged, my friend, like it is going

439
00:20:22,440 --> 00:20:26,639
Speaker 4: to give you whiplash. A mortgage, it's not terrifying, but

440
00:20:26,800 --> 00:20:29,800
Speaker 4: having that amount of money leave your account and you go, wait, what,

441
00:20:30,000 --> 00:20:32,240
Speaker 4: Like this month, I didn't want to save that amount,

442
00:20:32,280 --> 00:20:34,439
Speaker 4: I wanted to go on a holiday. Like it locks

443
00:20:34,480 --> 00:20:36,320
Speaker 4: you in in a way that you've probably never been

444
00:20:36,359 --> 00:20:38,800
Speaker 4: locked in before. And I think that getting on top

445
00:20:38,840 --> 00:20:41,680
Speaker 4: of your budgeting now, especially twelve months ish before you're

446
00:20:41,720 --> 00:20:45,200
Speaker 4: making a purchase one you're going to be a broker's

447
00:20:45,280 --> 00:20:47,640
Speaker 4: dream because you'll be like, oh, no, this is my budget,

448
00:20:47,680 --> 00:20:49,040
Speaker 4: these are my bank statements.

449
00:20:49,119 --> 00:20:50,600
Speaker 2: I look perfect on paper.

450
00:20:51,000 --> 00:20:54,080
Speaker 4: But also just putting yourself in a position where you're like, no,

451
00:20:54,119 --> 00:20:56,160
Speaker 4: I'm actually totally in control of this, and I can

452
00:20:56,200 --> 00:20:58,879
Speaker 4: afford a mortgage or a payment of X, or maintaining

453
00:20:58,880 --> 00:21:01,560
Speaker 4: my lifestyle and still be able to travel and whatnot.

454
00:21:01,640 --> 00:21:03,679
Speaker 4: I think just puts you in the best possible position

455
00:21:03,720 --> 00:21:05,280
Speaker 4: to be successful long term.

456
00:21:05,320 --> 00:21:06,119
Speaker 5: Wonderful. Thank you.

457
00:21:06,359 --> 00:21:09,320
Speaker 4: How good is this money Diarist? Unfortunately, I think that's

458
00:21:09,359 --> 00:21:10,760
Speaker 4: all we have time for today.

459
00:21:10,880 --> 00:21:12,880
Speaker 2: But I've loved this. This has been so.

460
00:21:13,040 --> 00:21:15,800
Speaker 4: Fun knowing that you're in an industry that you're really

461
00:21:15,840 --> 00:21:19,199
Speaker 4: passionate about. But also you're a killer saver and you

462
00:21:19,240 --> 00:21:21,560
Speaker 4: are absolutely smashing it out of the park. I'm so

463
00:21:21,680 --> 00:21:24,080
Speaker 4: proud that you're in our community. So thank you so

464
00:21:24,160 --> 00:21:26,480
Speaker 4: much for sharing your story with us today. I know

465
00:21:26,480 --> 00:21:28,399
Speaker 4: our community you're going to listen along and maybe be

466
00:21:28,440 --> 00:21:30,280
Speaker 4: a little bit envious that you've saved.

467
00:21:30,000 --> 00:21:31,359
Speaker 2: So much at such a young age.

468
00:21:31,400 --> 00:21:33,680
Speaker 4: But I think we've also taken some tipbits along the

469
00:21:33,720 --> 00:21:35,400
Speaker 4: way to put ourselves in a better position.

470
00:21:35,440 --> 00:21:37,760
Speaker 2: So thank you. We really really appreciate it.

471
00:21:37,800 --> 00:21:39,800
Speaker 5: Thank you so much for having me. It was great

472
00:21:39,800 --> 00:21:40,320
Speaker 5: to meet you.

473
00:21:41,040 --> 00:21:51,159
Speaker 4: Of course, the advice shared on She's on the Money

474
00:21:51,240 --> 00:21:55,000
Speaker 4: is general in nature and does not consider your individual circumstances.

475
00:21:55,359 --> 00:21:57,480
Speaker 2: She's on the Money exists purely for.

476
00:21:57,560 --> 00:22:00,440
Speaker 4: Educational purposes and should not be relied upon to make

477
00:22:00,440 --> 00:22:03,720
Speaker 4: an investment or financial decision. If you do choose to

478
00:22:03,720 --> 00:22:07,000
Speaker 4: buy a financial product, read the PDS TMD and obtain

479
00:22:07,040 --> 00:22:08,440
Speaker 4: appropriate financial.

480
00:22:08,119 --> 00:22:09,919
Speaker 2: Advice tailored towards your needs.

481
00:22:10,240 --> 00:22:14,200
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

482
00:22:14,240 --> 00:22:16,760
Speaker 4: of Money sherper p t y lt D A b

483
00:22:16,960 --> 00:22:19,639
Speaker 4: N three two one IS six four nine two seven

484
00:22:19,720 --> 00:22:28,600
Speaker 4: seven zero eight AFSL four five one two eight nine