1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,160 --> 00:00:26,280 Speaker 2: Hello and welcome to She's on the Money, the podcast 3 00:00:26,280 --> 00:00:30,520 Speaker 2: for millennials who want financial freedom. Today's Friday, which means 4 00:00:30,520 --> 00:00:32,320 Speaker 2: it is time to sit back with the girls with 5 00:00:32,320 --> 00:00:35,080 Speaker 2: a bevy in hand, to unpack our favorite moments of 6 00:00:35,120 --> 00:00:38,640 Speaker 2: the week, and of course, to celebrate you the incredible 7 00:00:38,720 --> 00:00:41,280 Speaker 2: She's on the Money community. As always, we'll be sharing 8 00:00:41,280 --> 00:00:44,200 Speaker 2: our favorite money wins, we'll be discussing what's making news 9 00:00:44,200 --> 00:00:46,960 Speaker 2: in the finance world, and we'll be helping answer some 10 00:00:47,080 --> 00:00:50,839 Speaker 2: juicy money questions, which this week is all about hex. 11 00:00:50,960 --> 00:00:53,600 Speaker 2: But first it is time to recap the week that was, 12 00:00:53,640 --> 00:00:57,480 Speaker 2: Miss Jess Guderichi. What happened on Monday's Money Diary. 13 00:00:57,680 --> 00:00:59,840 Speaker 3: Well, on Monday, you and I got to have a 14 00:01:00,200 --> 00:01:04,800 Speaker 3: with a diarist, so exciting to me, really fun. We 15 00:01:04,920 --> 00:01:08,679 Speaker 3: chatted to a beautiful human who had her identity stolen 16 00:01:08,760 --> 00:01:09,680 Speaker 3: a couple of years ago. 17 00:01:09,800 --> 00:01:12,480 Speaker 2: I always want to use their names. I always want 18 00:01:12,480 --> 00:01:14,640 Speaker 2: to be like, we chatted to dress and she was 19 00:01:14,760 --> 00:01:18,560 Speaker 2: so kind, But you can't use their names because anonymous. 20 00:01:18,760 --> 00:01:21,080 Speaker 3: She was a delight. Her dog was named Pumpkin, if 21 00:01:21,160 --> 00:01:24,760 Speaker 3: that's of any help. But she yeah, she had her 22 00:01:24,760 --> 00:01:27,600 Speaker 3: bag stolen, and it was there was a really big 23 00:01:27,680 --> 00:01:31,280 Speaker 3: gap in between that incident and her realizing that her 24 00:01:31,319 --> 00:01:33,600 Speaker 3: identity had been stolen, and so they'd been all of 25 00:01:33,600 --> 00:01:35,920 Speaker 3: this time for the damage to be done, and it 26 00:01:36,000 --> 00:01:38,319 Speaker 3: came as a real surprise to her, which of course 27 00:01:38,319 --> 00:01:41,440 Speaker 3: would have been so terrifying for her. And she shared 28 00:01:41,480 --> 00:01:44,640 Speaker 3: some really great insight and tips onto how we can 29 00:01:44,640 --> 00:01:47,480 Speaker 3: prevent that from happening to us, because you know, as 30 00:01:47,520 --> 00:01:49,240 Speaker 3: she was telling us what had happened, she was like, 31 00:01:49,280 --> 00:01:50,960 Speaker 3: I wouldn't wish this upon anybody. 32 00:01:51,280 --> 00:01:53,120 Speaker 2: No, it sounded horrendous. 33 00:01:53,360 --> 00:01:56,440 Speaker 3: You know you can prevent it. It sounded awful. You 34 00:01:56,480 --> 00:01:59,400 Speaker 3: can prevent it. And she yeah, shared those ideas, which 35 00:01:59,400 --> 00:02:02,760 Speaker 3: I think is so worth knowing for anybody, because you 36 00:02:02,800 --> 00:02:05,400 Speaker 3: always think it'll happen to someone else, but never to you, 37 00:02:06,200 --> 00:02:07,240 Speaker 3: But you just really never know. 38 00:02:07,400 --> 00:02:09,920 Speaker 2: I was really stressed listening to her story because I 39 00:02:10,080 --> 00:02:13,040 Speaker 2: thought that you might have been a little bit silly 40 00:02:13,080 --> 00:02:16,000 Speaker 2: if you were getting your bag stolen and your identity stolen, 41 00:02:16,080 --> 00:02:18,960 Speaker 2: like you left something out. But she literally left her 42 00:02:19,000 --> 00:02:21,919 Speaker 2: handbag in her car for thirty seconds while moving some furniture, 43 00:02:22,320 --> 00:02:26,320 Speaker 2: exactly like these people are planned. That's kind of terrifying 44 00:02:26,360 --> 00:02:29,320 Speaker 2: the fact that somebody not only was like, Okay, cool, 45 00:02:29,400 --> 00:02:31,760 Speaker 2: I'm going to steal a handbag, but they've seized the 46 00:02:31,800 --> 00:02:35,000 Speaker 2: opportunity in the window she wasn't there and not only 47 00:02:35,080 --> 00:02:37,880 Speaker 2: just taking the cash from her wallet, but literally applied 48 00:02:37,880 --> 00:02:40,040 Speaker 2: for loans in her name and got on a phone 49 00:02:40,080 --> 00:02:43,160 Speaker 2: in her net. Like, that's terrifying that somebody could pretend 50 00:02:43,160 --> 00:02:43,560 Speaker 2: to be me. 51 00:02:43,800 --> 00:02:46,160 Speaker 3: Yeah, such a split second decision that she wouldn't have 52 00:02:46,160 --> 00:02:48,280 Speaker 3: thought about. She'd been focused on what she was doing. 53 00:02:48,600 --> 00:02:51,480 Speaker 3: The impact that it had on her for months afterwards, 54 00:02:51,639 --> 00:02:52,840 Speaker 3: it just blew my mind. 55 00:02:53,280 --> 00:02:56,120 Speaker 4: Girls, how much money did she lose? I know I 56 00:02:56,120 --> 00:02:58,560 Speaker 4: should listen to the episode to find this out, of course, 57 00:02:58,600 --> 00:02:58,919 Speaker 4: but like. 58 00:02:59,280 --> 00:03:01,720 Speaker 2: Oh, thanks for admitting you don't listen to our podcast, 59 00:03:01,720 --> 00:03:04,280 Speaker 2: George King, she lose heaps of money? 60 00:03:04,600 --> 00:03:06,880 Speaker 4: Or was it more just like a great inconvenience? 61 00:03:07,400 --> 00:03:09,919 Speaker 2: So thankfully, I'm not going to spoil it for everybody 62 00:03:09,919 --> 00:03:12,240 Speaker 2: who has not listened to it yet and plans to. 63 00:03:12,400 --> 00:03:14,640 Speaker 2: But thankfully she was able to get out of a 64 00:03:14,639 --> 00:03:17,200 Speaker 2: lot of the debts because she was really on top 65 00:03:17,240 --> 00:03:19,000 Speaker 2: of it. So when it happened, she went to the 66 00:03:19,040 --> 00:03:21,960 Speaker 2: police and really well documented that things were stolen. She 67 00:03:22,280 --> 00:03:24,640 Speaker 2: actually kept a notebook of what happened and when and 68 00:03:24,680 --> 00:03:27,080 Speaker 2: where so she could prove that it wasn't hers and 69 00:03:27,120 --> 00:03:29,640 Speaker 2: the bank that the loans were taken out in actually 70 00:03:29,680 --> 00:03:31,840 Speaker 2: waived it all, which is very kind, but that's not 71 00:03:32,000 --> 00:03:34,960 Speaker 2: actually the reality that happens to a lot of people. 72 00:03:35,240 --> 00:03:37,360 Speaker 2: Sometimes we don't take note of it. Like I'm not 73 00:03:37,400 --> 00:03:40,360 Speaker 2: gonna lie. That would probably be me. I wouldn't have 74 00:03:40,480 --> 00:03:43,480 Speaker 2: the foresight to take notes of when things were happening. 75 00:03:43,800 --> 00:03:47,400 Speaker 2: I would have my bag stolen, probably tell the police 76 00:03:47,520 --> 00:03:50,360 Speaker 2: and wonder what happened. I don't know. I feel like 77 00:03:50,400 --> 00:03:52,720 Speaker 2: she was just really well organized and planned, which is 78 00:03:52,720 --> 00:03:55,040 Speaker 2: something I probably wouldn't have been. But that's why we 79 00:03:55,040 --> 00:03:58,880 Speaker 2: should learn from this story. George, back to you though. 80 00:03:59,080 --> 00:04:02,080 Speaker 2: What happened on the week's Deep Dive So. 81 00:04:02,080 --> 00:04:05,840 Speaker 4: On Wednesday it was the last of our jolly episodes. 82 00:04:06,400 --> 00:04:10,400 Speaker 4: We spoke about how to host a cost effective Christmas 83 00:04:11,280 --> 00:04:13,839 Speaker 4: so there were lots of tips and tricks in there. 84 00:04:14,040 --> 00:04:18,360 Speaker 4: As always, ld V has always got many shout outs 85 00:04:18,400 --> 00:04:22,120 Speaker 4: for their many fabulous sponsors. Just good correct, correct of 86 00:04:22,160 --> 00:04:25,640 Speaker 4: the choice, La mule everything. 87 00:04:26,880 --> 00:04:30,679 Speaker 2: Do you Christmas shopping at Audi? Honestly, we should slide 88 00:04:30,720 --> 00:04:32,320 Speaker 2: into their DMS guys and be like, do you want 89 00:04:32,320 --> 00:04:34,800 Speaker 2: to work together again because we've essentially been working while 90 00:04:34,839 --> 00:04:35,560 Speaker 2: we haven't. 91 00:04:35,320 --> 00:04:37,680 Speaker 4: Been a one way relationship. 92 00:04:38,120 --> 00:04:40,479 Speaker 2: It's okay, they're the best time exactly. 93 00:04:40,800 --> 00:04:43,520 Speaker 4: We also spoke about like clever ways of setting the table, 94 00:04:44,720 --> 00:04:48,680 Speaker 4: which was fun. I gave the Instagram handled pasta Mama. 95 00:04:48,880 --> 00:04:53,000 Speaker 4: She has incredible style, very chic, and you recommended someone 96 00:04:53,040 --> 00:04:55,400 Speaker 4: be you can't quite remember who George Eats? 97 00:04:55,839 --> 00:04:59,679 Speaker 2: Who wasn't not George Eats. It was your Studio George, 98 00:04:59,760 --> 00:05:03,000 Speaker 2: but George. It is also epic. She has very good 99 00:05:03,080 --> 00:05:06,120 Speaker 2: fod maps meals which I love. Most of them are 100 00:05:06,200 --> 00:05:11,240 Speaker 2: plant based, which obviously I adore. But Studio George. There's 101 00:05:11,279 --> 00:05:14,320 Speaker 2: a lot of Georges here, Georgia presenting George Eats, and 102 00:05:14,360 --> 00:05:18,440 Speaker 2: then Studio George, who is very very well curated, like 103 00:05:18,520 --> 00:05:21,560 Speaker 2: her table scapes primo. I think I've spoken about her 104 00:05:21,560 --> 00:05:22,760 Speaker 2: on the pod before. 105 00:05:22,720 --> 00:05:25,000 Speaker 4: Or probably probably that's all right. 106 00:05:24,839 --> 00:05:29,440 Speaker 2: But segueing away from the Georges that were to George's 107 00:05:29,560 --> 00:05:32,560 Speaker 2: top money wins of the week, what was happening in 108 00:05:32,600 --> 00:05:33,599 Speaker 2: the Facebook group this week? 109 00:05:33,600 --> 00:05:36,520 Speaker 4: Okay, there was a bit happening. The thread was popping 110 00:05:36,600 --> 00:05:39,479 Speaker 4: off this week as always, let's be real. So my 111 00:05:39,600 --> 00:05:42,960 Speaker 4: first money win for the Day Ladies comes from gen So. 112 00:05:43,040 --> 00:05:46,080 Speaker 4: Her old super fund discovered they'd made a mistake, and 113 00:05:46,120 --> 00:05:48,080 Speaker 4: they sent her a letter to say they owe her 114 00:05:48,560 --> 00:05:53,640 Speaker 4: four thousand and five hundred dollars. Yes, please, I want 115 00:05:53,680 --> 00:05:54,359 Speaker 4: that to happen to me. 116 00:05:54,640 --> 00:05:57,560 Speaker 2: Oh no, actually, I don't want my super fund making mistakes. 117 00:05:57,560 --> 00:05:59,840 Speaker 2: I much sure that I get the money I do, 118 00:06:00,279 --> 00:06:02,680 Speaker 2: but I'm very glad that when they did make a mistake, 119 00:06:02,720 --> 00:06:03,679 Speaker 2: they made it right. 120 00:06:04,480 --> 00:06:07,520 Speaker 4: Exactly exactly. Our next one here is from Amanda. 121 00:06:07,640 --> 00:06:07,800 Speaker 3: So. 122 00:06:07,839 --> 00:06:10,719 Speaker 4: She hates calling up and speaking to companies on the 123 00:06:10,800 --> 00:06:14,560 Speaker 4: phone because it gives her major anxiety. Same here, my friend, 124 00:06:14,960 --> 00:06:17,760 Speaker 4: but she sucked it up and contacted her health insurance 125 00:06:17,800 --> 00:06:20,560 Speaker 4: in regards to changing her policy to reflect what she's 126 00:06:20,600 --> 00:06:23,359 Speaker 4: actually using instead of just paying for stuff that she's not. 127 00:06:23,880 --> 00:06:26,440 Speaker 4: She went from paying one hundred and thirty six dollars 128 00:06:26,480 --> 00:06:29,400 Speaker 4: a fortnight to thirty nine dollars a four night. Good 129 00:06:29,520 --> 00:06:34,240 Speaker 4: money because she's on Matt leave so heaven. Oh now, 130 00:06:34,279 --> 00:06:38,680 Speaker 4: Trista she paid over O. I went in way too 131 00:06:38,720 --> 00:06:41,719 Speaker 4: excited with that one. This is actually money loss, so okay, 132 00:06:41,720 --> 00:06:43,440 Speaker 4: that's all right. We're not going to edit this out. 133 00:06:43,600 --> 00:06:45,560 Speaker 2: No, that's all good. To tell us what your money lost. 134 00:06:45,920 --> 00:06:49,040 Speaker 4: Good. So Trista had a money loss. She paid over 135 00:06:49,120 --> 00:06:51,720 Speaker 4: five hundred dollars for a cut and color at what 136 00:06:51,839 --> 00:06:55,000 Speaker 4: looked like an amazing salon. But they cut off thirty 137 00:06:55,040 --> 00:06:57,280 Speaker 4: centimeters of her hair, which she only asked for ten 138 00:06:57,320 --> 00:07:02,159 Speaker 4: to fifteen centimeters a commoner character. That's a lot of hair. 139 00:07:02,800 --> 00:07:05,680 Speaker 4: The color also didn't blend at all, and her hair 140 00:07:05,760 --> 00:07:09,400 Speaker 4: is missing a chunk. Oh, she's out of pocket and 141 00:07:09,400 --> 00:07:10,160 Speaker 4: she's really upset. 142 00:07:10,280 --> 00:07:12,640 Speaker 2: I wouldn't have paid. Not a chance. What do you 143 00:07:12,680 --> 00:07:13,080 Speaker 2: do though? 144 00:07:13,320 --> 00:07:15,360 Speaker 4: I wanted to put this to the gals, What do 145 00:07:15,400 --> 00:07:16,000 Speaker 4: you want to do? 146 00:07:16,320 --> 00:07:16,840 Speaker 3: Not a chance? 147 00:07:16,880 --> 00:07:19,080 Speaker 2: I would be asking for a refund. I would be crying. 148 00:07:19,200 --> 00:07:22,800 Speaker 2: I would know. Can you ask for a refund? Absolutely 149 00:07:22,840 --> 00:07:25,560 Speaker 2: you can. So the thing there is I feel like 150 00:07:25,880 --> 00:07:30,160 Speaker 2: hairdressing can be fickle, right, Like nobody likes a trim. 151 00:07:30,200 --> 00:07:32,560 Speaker 2: Like I have long hair, and I get anxiety going 152 00:07:32,560 --> 00:07:34,760 Speaker 2: to the hairdresser because I never want them to take 153 00:07:34,800 --> 00:07:36,760 Speaker 2: off too much because I've been trying to grow it 154 00:07:36,760 --> 00:07:38,560 Speaker 2: out over the last couple of years and I now 155 00:07:38,560 --> 00:07:40,480 Speaker 2: feel like I've got to the length I like I 156 00:07:40,480 --> 00:07:42,720 Speaker 2: don't want you taking that away. I worked hard for this, 157 00:07:43,520 --> 00:07:46,320 Speaker 2: but when they take more sometimes it's because of health 158 00:07:46,400 --> 00:07:47,920 Speaker 2: or whatever. I'm not going to get into it. I'm 159 00:07:47,960 --> 00:07:50,920 Speaker 2: not a hairdresser, but if you go home and you're 160 00:07:51,000 --> 00:07:53,160 Speaker 2: super unhappy about it, I think that there's a lot 161 00:07:53,240 --> 00:07:55,000 Speaker 2: of power in you calling them the next day and 162 00:07:55,000 --> 00:07:57,400 Speaker 2: being like, Hey, I don't mean to be that guy, 163 00:07:57,960 --> 00:08:00,480 Speaker 2: but it's been twenty four hours. I didn't want to 164 00:08:00,480 --> 00:08:02,240 Speaker 2: say anything at the time because I wanted to sit 165 00:08:02,320 --> 00:08:03,920 Speaker 2: on this and just make sure that it wasn't me 166 00:08:04,080 --> 00:08:07,720 Speaker 2: just you know, not liking change because people don't like change, 167 00:08:07,760 --> 00:08:10,520 Speaker 2: but really unhappy with my haircut, don't feel like it 168 00:08:10,560 --> 00:08:13,600 Speaker 2: sits right. Either fix it or refund it? Is that 169 00:08:13,640 --> 00:08:16,080 Speaker 2: an option? And they're very likely to ask you to 170 00:08:16,080 --> 00:08:18,440 Speaker 2: come in so they can have a look. I would 171 00:08:18,480 --> 00:08:20,160 Speaker 2: then go in and be like, yeah, like they s 172 00:08:20,160 --> 00:08:22,960 Speaker 2: ame it. So I just feel like you do need 173 00:08:23,000 --> 00:08:25,800 Speaker 2: a little bit of confidence asking for that. But I 174 00:08:25,840 --> 00:08:28,480 Speaker 2: also do think it's very fair if the hairdresser is like, ah, 175 00:08:28,520 --> 00:08:30,240 Speaker 2: can you come back in so they can have a look. 176 00:08:30,280 --> 00:08:33,400 Speaker 2: You can't just get a refund ask someone I don't know. 177 00:08:33,520 --> 00:08:36,200 Speaker 2: I just feel like that would be fair, and hopefully, 178 00:08:36,240 --> 00:08:39,480 Speaker 2: if they're a good hairdresser, they probably didn't mean to 179 00:08:39,520 --> 00:08:41,520 Speaker 2: do that, Like, no hairdresser would mean. 180 00:08:41,440 --> 00:08:44,160 Speaker 4: That, would they surely not. But what if Trista's like 181 00:08:44,200 --> 00:08:47,280 Speaker 4: a people pleaser like me, I feel like, you know, 182 00:08:47,679 --> 00:08:50,800 Speaker 4: the hairdresser could like shave my hair into a dolphin 183 00:08:50,840 --> 00:08:53,800 Speaker 4: shape and diet pink and I'd be like, I asked 184 00:08:53,800 --> 00:08:57,200 Speaker 4: for a curtain fringe, but this is stunning, Thank you 185 00:08:57,200 --> 00:08:58,760 Speaker 4: so much. Here's my money, you know what I mean? 186 00:08:58,840 --> 00:09:03,160 Speaker 2: Like, I really get it. No, I totally get it. 187 00:09:03,200 --> 00:09:06,000 Speaker 2: And I think that people pleases. I used to be one, 188 00:09:06,080 --> 00:09:08,840 Speaker 2: and sometimes I still am one. But I think that 189 00:09:08,880 --> 00:09:10,439 Speaker 2: there's a lot of power in you going no, you 190 00:09:10,480 --> 00:09:12,160 Speaker 2: know what, I didn't get what I paid for here 191 00:09:13,160 --> 00:09:15,920 Speaker 2: and being assertive about that. And I also think there's 192 00:09:15,960 --> 00:09:18,920 Speaker 2: a really big difference between being assertive and being aggressive, 193 00:09:19,000 --> 00:09:21,040 Speaker 2: Like we don't need to be aggressive, but it is 194 00:09:21,240 --> 00:09:23,920 Speaker 2: very fair for you to say your piece and say, hey, 195 00:09:24,400 --> 00:09:27,040 Speaker 2: I didn't actually ask for a dolphin haircut. I've gone home. 196 00:09:27,080 --> 00:09:29,199 Speaker 2: I've thought about it because I never want to say 197 00:09:29,200 --> 00:09:30,920 Speaker 2: anything in the moment, like you don't have to go home. 198 00:09:30,960 --> 00:09:32,440 Speaker 2: You could say this in the moment, but like I 199 00:09:32,480 --> 00:09:34,599 Speaker 2: do not have that confidence, my friend. I need to 200 00:09:34,640 --> 00:09:36,800 Speaker 2: sit on this for twenty four hours and hype myself 201 00:09:36,880 --> 00:09:39,440 Speaker 2: up and then I'll make the call. But I promise 202 00:09:39,480 --> 00:09:41,400 Speaker 2: you most hairdressers are going to be like, oh my gosh, 203 00:09:41,400 --> 00:09:43,920 Speaker 2: I'm so sorry. That's absolutely not what was meant to happen, 204 00:09:44,400 --> 00:09:47,080 Speaker 2: especially because if you went to a fancy salon, which 205 00:09:47,120 --> 00:09:49,560 Speaker 2: I'm assuming you did because you paid so much money, 206 00:09:50,440 --> 00:09:53,040 Speaker 2: they're probably not going to answer the phone. Like You'll 207 00:09:53,040 --> 00:09:55,800 Speaker 2: probably get like the salon owner or the receptionist or whatever, 208 00:09:55,840 --> 00:09:58,680 Speaker 2: and you can have that conversation with them and go, hey, like, 209 00:09:58,720 --> 00:10:01,120 Speaker 2: I had a haircut yesterday, really unhappy with it, Like 210 00:10:01,160 --> 00:10:03,120 Speaker 2: I just don't know what to do about that. They'll 211 00:10:03,160 --> 00:10:05,520 Speaker 2: have a process. You won't be the first one, I promised. 212 00:10:05,520 --> 00:10:06,800 Speaker 2: And I just think that there's a lot of power 213 00:10:06,800 --> 00:10:08,160 Speaker 2: in you putting your hand up and being like, no, 214 00:10:08,240 --> 00:10:10,000 Speaker 2: I didn't actually get what I paid for, and I 215 00:10:10,000 --> 00:10:12,160 Speaker 2: paid a pretty big amount of money for the service. 216 00:10:12,360 --> 00:10:14,840 Speaker 4: Definitely Okay, So Trista, there is time to turn that 217 00:10:14,880 --> 00:10:16,679 Speaker 4: money loss into a money win, we think. 218 00:10:16,960 --> 00:10:19,240 Speaker 2: But George is going to get her hair cut into 219 00:10:19,280 --> 00:10:21,360 Speaker 2: a dolphin now for everybody. 220 00:10:20,800 --> 00:10:22,560 Speaker 4: Well, I mean if someone does it to me, I 221 00:10:22,559 --> 00:10:25,719 Speaker 4: won't complain, so challenge. 222 00:10:26,000 --> 00:10:28,240 Speaker 2: After having my hype talk though, Well, no, that's. 223 00:10:28,040 --> 00:10:31,880 Speaker 4: True, that's true, Okay, continuing on with the hair theme. Actually, 224 00:10:31,960 --> 00:10:34,920 Speaker 4: our next win comes from Hannah. So she almost bought 225 00:10:35,000 --> 00:10:37,719 Speaker 4: a dice in air Rap full price seven hundred and 226 00:10:37,760 --> 00:10:39,560 Speaker 4: ninety nine dollars. They cost apparently so. 227 00:10:39,640 --> 00:10:42,920 Speaker 2: We expensive, but they are. They're the love of my life. 228 00:10:42,679 --> 00:10:45,040 Speaker 4: And Jess's life. I believe you're both in the fans 229 00:10:45,080 --> 00:10:45,840 Speaker 4: of the old diso. 230 00:10:46,440 --> 00:10:53,760 Speaker 3: Oh yeah, sorry, just a corone of pleasure. 231 00:10:52,840 --> 00:10:55,480 Speaker 2: The air Rap. I love it and love of my life. 232 00:10:56,080 --> 00:10:58,480 Speaker 2: We've never been sponsored by air Rap, but I would 233 00:10:58,520 --> 00:11:00,760 Speaker 2: welcome it with open arms. Feel like we'd be really 234 00:11:00,800 --> 00:11:02,440 Speaker 2: good at it. Jess, I could sell that. 235 00:11:03,000 --> 00:11:04,679 Speaker 3: Yeah, one thousand, SA give us an air Wrap to 236 00:11:04,679 --> 00:11:06,720 Speaker 3: give to the community, like I know that the people 237 00:11:06,760 --> 00:11:07,160 Speaker 3: want it. 238 00:11:07,559 --> 00:11:11,000 Speaker 4: Well you know who wants it, Hannah. But but she 239 00:11:11,120 --> 00:11:13,920 Speaker 4: bought it, let's not talk about it. Hannah ended up 240 00:11:13,920 --> 00:11:16,360 Speaker 4: buying one two days later for five hundred and ninety 241 00:11:16,400 --> 00:11:20,600 Speaker 4: eight dollars, so it's still expensive but a bargain. 242 00:11:20,679 --> 00:11:23,080 Speaker 2: Ultimately, Look how excited we are about dicon. But remember 243 00:11:23,080 --> 00:11:25,040 Speaker 2: that time, Jess, you got yours for like five hundred 244 00:11:25,080 --> 00:11:27,240 Speaker 2: and fifty dollars because you were like a super hustler 245 00:11:27,240 --> 00:11:29,360 Speaker 2: and like got shot back on it and a discount 246 00:11:29,400 --> 00:11:30,640 Speaker 2: and you were just some kind of wizard. 247 00:11:30,720 --> 00:11:33,120 Speaker 3: It was thanks to someone posting that in the Facebook 248 00:11:33,120 --> 00:11:34,760 Speaker 3: group that I got that deal. But it's funny you 249 00:11:34,800 --> 00:11:38,280 Speaker 3: mention it because we posted on our stories last week 250 00:11:38,320 --> 00:11:41,360 Speaker 3: we did a little end of year finance quiz that 251 00:11:41,400 --> 00:11:43,440 Speaker 3: you could do on your Instagram story and fill out. 252 00:11:43,559 --> 00:11:45,960 Speaker 3: It's in our highlights if you would. 253 00:11:45,760 --> 00:11:46,400 Speaker 2: Like to do it. 254 00:11:47,120 --> 00:11:49,800 Speaker 3: But I obviously filled it out of course. And one 255 00:11:49,800 --> 00:11:51,480 Speaker 3: of the questions was what was your biggest money in 256 00:11:51,520 --> 00:11:53,959 Speaker 3: and I said the Dison and the amount of DMS 257 00:11:53,960 --> 00:11:56,320 Speaker 3: I got from people saying how did you hit a 258 00:11:56,360 --> 00:11:59,080 Speaker 3: five hundred and fifty dollars dison? I feel like five 259 00:11:59,200 --> 00:12:02,240 Speaker 3: hundred and ninety dollar is still incredible. Thank you for sharing. 260 00:12:02,600 --> 00:12:03,280 Speaker 2: Oh, I love it. 261 00:12:03,640 --> 00:12:08,079 Speaker 4: Are they definitely worth it? Guys? Because the hair that 262 00:12:08,160 --> 00:12:11,520 Speaker 4: sounds like a lot of cash for a little hairy. 263 00:12:11,400 --> 00:12:14,199 Speaker 2: Lot of money, I think it wouldn't be like I'm 264 00:12:14,200 --> 00:12:16,320 Speaker 2: gonna be honest you, I don't think you'd find it 265 00:12:16,360 --> 00:12:19,600 Speaker 2: worth it because you don't curl your hair like you 266 00:12:19,600 --> 00:12:21,960 Speaker 2: don't curl your hair. You don't style it all that often. 267 00:12:22,000 --> 00:12:24,640 Speaker 2: You're just naturally really hot, so you don't need it 268 00:12:24,720 --> 00:12:25,880 Speaker 2: like Jess and I do. 269 00:12:26,920 --> 00:12:28,160 Speaker 3: I'm not naturally hot. 270 00:12:28,400 --> 00:12:31,560 Speaker 2: We're not naturally hot. It's just really it's really unlucky. 271 00:12:31,760 --> 00:12:35,960 Speaker 2: But thankfully Dicon exists no so for me, I style 272 00:12:36,000 --> 00:12:38,640 Speaker 2: my hair every day like I am. Actually I'm a 273 00:12:38,640 --> 00:12:41,000 Speaker 2: bit of a wizard of my own DIY blow drys, 274 00:12:41,040 --> 00:12:43,520 Speaker 2: but they take a while and I'm not nearly as 275 00:12:43,559 --> 00:12:46,599 Speaker 2: good at them as the hairdresser, whereas my dyce in. 276 00:12:46,920 --> 00:12:48,760 Speaker 2: It literally looks like I got my hair done in 277 00:12:48,800 --> 00:12:50,640 Speaker 2: a salon every day. I mean, it took a little 278 00:12:50,640 --> 00:12:52,720 Speaker 2: bit to get used to the air wrap, and I 279 00:12:52,720 --> 00:12:55,559 Speaker 2: think everybody who owns one will say, yeah, no, definitely 280 00:12:55,640 --> 00:12:58,800 Speaker 2: takes a bit of getting used to. But that has 281 00:12:58,840 --> 00:13:02,720 Speaker 2: paid itself. Off ends purely because every photo shoot I've had, 282 00:13:02,920 --> 00:13:05,440 Speaker 2: every meeting I've had, I've looked like I've had a 283 00:13:05,480 --> 00:13:07,520 Speaker 2: fresh blow wave. Like the other day when we did 284 00:13:07,520 --> 00:13:10,400 Speaker 2: our Christmas shoot, George, I just did my hands true arrived. 285 00:13:11,280 --> 00:13:13,800 Speaker 2: I didn't have to pay for it to get done. Genius. 286 00:13:13,800 --> 00:13:16,360 Speaker 4: There you go. If Dyson aren't sponsoring this episode, they 287 00:13:16,360 --> 00:13:17,439 Speaker 4: really should be, shouldn't they? 288 00:13:17,480 --> 00:13:21,000 Speaker 2: Honestly, they step it up, Dyson. We're here, we're waiting. 289 00:13:21,600 --> 00:13:24,559 Speaker 4: Our next money win is from Amy So, after spending 290 00:13:24,679 --> 00:13:28,240 Speaker 4: over eleven thousand dollars this year on after pay, she 291 00:13:28,400 --> 00:13:31,040 Speaker 4: finally closed her account and she's realized that she cannot 292 00:13:31,080 --> 00:13:33,160 Speaker 4: be trusted with these types of apps. 293 00:13:33,640 --> 00:13:36,400 Speaker 2: Oh, that makes me so happy. I mean, it doesn't 294 00:13:36,440 --> 00:13:38,959 Speaker 2: make me happy that she spent eleven grand, but she's 295 00:13:39,280 --> 00:13:41,840 Speaker 2: come to the conclusion that that's just not helping her. 296 00:13:42,200 --> 00:13:44,640 Speaker 2: How good is that she's going to live within her values? 297 00:13:44,880 --> 00:13:48,160 Speaker 4: One piece we love. The next one is from Lily, 298 00:13:48,280 --> 00:13:51,199 Speaker 4: So she now has enough emergency savings to get her 299 00:13:51,240 --> 00:13:55,160 Speaker 4: through December, January and February, and she's not worried or 300 00:13:55,160 --> 00:13:58,960 Speaker 4: feeling guilty about leaving her toxic workplace and she gets 301 00:13:58,960 --> 00:14:01,120 Speaker 4: to enjoy Christmas without having to worry about not being 302 00:14:01,120 --> 00:14:04,760 Speaker 4: able to afford things. Oh, I love that. 303 00:14:04,760 --> 00:14:07,880 Speaker 2: That is the level of financial freedom we all aspire 304 00:14:07,960 --> 00:14:09,720 Speaker 2: to have one hundred percent. 305 00:14:10,400 --> 00:14:13,280 Speaker 4: Our second last one here, Ladies, is from Wendy. So 306 00:14:13,320 --> 00:14:16,840 Speaker 4: she paid off her car on Friday, around eleven months early. 307 00:14:17,559 --> 00:14:20,280 Speaker 4: She was funneling over twice the required repayments by the 308 00:14:20,400 --> 00:14:22,400 Speaker 4: end and to finish it off. She now has so 309 00:14:22,560 --> 00:14:25,800 Speaker 4: much more spare cash to funnel towards her last credit card. 310 00:14:25,920 --> 00:14:27,320 Speaker 2: Oh my gosh, I love that. 311 00:14:28,080 --> 00:14:31,240 Speaker 4: Finally, guys, Amy says, money win, I bought an apartment. 312 00:14:31,360 --> 00:14:34,200 Speaker 4: She really started smashing the savings skulls when she started 313 00:14:34,200 --> 00:14:36,400 Speaker 4: listening to She's on the Money at the start of 314 00:14:36,440 --> 00:14:38,600 Speaker 4: the pandemic, and now it's time to go and smash 315 00:14:38,640 --> 00:14:39,400 Speaker 4: out the mortgage. 316 00:14:39,440 --> 00:14:43,080 Speaker 2: She wrote, Also check you out. I love that. George. 317 00:14:43,080 --> 00:14:44,840 Speaker 2: Did you say that was our last money when that 318 00:14:44,920 --> 00:14:45,640 Speaker 2: you were going to share? 319 00:14:46,000 --> 00:14:46,360 Speaker 3: Correct? 320 00:14:46,840 --> 00:14:50,000 Speaker 2: Ah, but you missed one from Joe? What did you 321 00:14:50,080 --> 00:14:53,120 Speaker 2: thought that was the best one? I missed it, all right? 322 00:14:53,400 --> 00:14:55,880 Speaker 2: So Joe had three money wins. This is just me 323 00:14:55,960 --> 00:14:58,560 Speaker 2: weaseling it in. And you see exactly why I want 324 00:14:58,560 --> 00:15:01,240 Speaker 2: to weasel it in, because it's quite self serving, Georgia. 325 00:15:01,720 --> 00:15:06,480 Speaker 2: So Joe said money win times three. I don't think 326 00:15:06,480 --> 00:15:08,960 Speaker 2: I've won anything on Instagram before. But she won these 327 00:15:09,000 --> 00:15:13,160 Speaker 2: amazing cakes from Rosemary Andrews last week, which she uploaded 328 00:15:13,160 --> 00:15:16,200 Speaker 2: a picture of and that looks stunning. She then George 329 00:15:16,200 --> 00:15:18,840 Speaker 2: scored a free ticket via She's on the Money to 330 00:15:18,920 --> 00:15:22,080 Speaker 2: the My Millennial Money Live podcast episode that was on 331 00:15:22,240 --> 00:15:26,040 Speaker 2: in Melbourne last Friday night, and when she was there 332 00:15:26,240 --> 00:15:28,920 Speaker 2: she scored a copy of my signed book The Event. 333 00:15:29,920 --> 00:15:32,200 Speaker 2: Is that not the best money when you've ever seen? 334 00:15:32,240 --> 00:15:36,520 Speaker 2: It's cake, it's podcast, it's my book, Like, come on, George, 335 00:15:36,960 --> 00:15:38,160 Speaker 2: you had one job. 336 00:15:38,280 --> 00:15:39,080 Speaker 4: No, that's brilliant. 337 00:15:39,120 --> 00:15:41,000 Speaker 2: Apologies, Sorry, Joe loved you. 338 00:15:41,080 --> 00:15:41,720 Speaker 4: Joe bye. 339 00:15:41,760 --> 00:15:43,640 Speaker 2: All right, we're gonna go to a break and right 340 00:15:43,680 --> 00:15:45,760 Speaker 2: after that we're going to get into the listener questions. 341 00:15:46,040 --> 00:15:49,200 Speaker 2: See you soon. All right, we are back and Georgia. 342 00:15:49,240 --> 00:15:52,240 Speaker 2: This week you said you had a listener question for 343 00:15:52,360 --> 00:15:54,720 Speaker 2: us about hex was it? 344 00:15:54,920 --> 00:15:58,840 Speaker 4: Yes? Indeed indeed we also I wrote us a little intro. 345 00:15:59,040 --> 00:16:00,280 Speaker 4: Do you want me to now? 346 00:16:00,600 --> 00:16:05,240 Speaker 2: Yeah, I'm readout, read out true. Maybe we'll use it officially. 347 00:16:05,480 --> 00:16:07,960 Speaker 4: So yeah, yeah next year, New. 348 00:16:07,920 --> 00:16:11,000 Speaker 2: Year, knew us? Yeah, then it is us being us. 349 00:16:12,160 --> 00:16:14,760 Speaker 4: Okay, So it's Friday, which means it's time to answer 350 00:16:14,840 --> 00:16:18,080 Speaker 4: your most burning finance, career and life questions. If you 351 00:16:18,080 --> 00:16:21,120 Speaker 4: need help untangling a naughty dilemma, no matter how big 352 00:16:21,240 --> 00:16:23,760 Speaker 4: or small, send us a voice notes through to podcast 353 00:16:23,800 --> 00:16:25,920 Speaker 4: at She's on the money dot com dot You pretty 354 00:16:25,920 --> 00:16:28,040 Speaker 4: sure that's the email and will help you find the 355 00:16:28,080 --> 00:16:30,600 Speaker 4: answer you've been searching for Now, let's take a listen 356 00:16:30,640 --> 00:16:33,680 Speaker 4: to today's money question. Do that bring back the memories 357 00:16:33,800 --> 00:16:34,760 Speaker 4: that kind of back to them? 358 00:16:35,160 --> 00:16:37,880 Speaker 2: I like it. Let's listen to this week's money question. Hi, 359 00:16:37,960 --> 00:16:38,720 Speaker 2: she's on the money. 360 00:16:38,880 --> 00:16:42,080 Speaker 5: I had a question about paying your hex stet as 361 00:16:42,120 --> 00:16:45,760 Speaker 5: you accrue it. So I've seen that as semester rolls around, 362 00:16:46,160 --> 00:16:49,440 Speaker 5: if you pay your hex stet for that semester up front, 363 00:16:49,880 --> 00:16:53,440 Speaker 5: you get a ten percent discount. So hypothetically, if you 364 00:16:53,640 --> 00:16:57,320 Speaker 5: had the cash sitting in your bank account, do you 365 00:16:57,320 --> 00:17:01,120 Speaker 5: think that there's benefit to paying that step off early 366 00:17:02,000 --> 00:17:06,000 Speaker 5: instead of investing it? I certainly cannot do an accent, 367 00:17:06,200 --> 00:17:08,840 Speaker 5: so sorry to disappoint on that front. 368 00:17:09,440 --> 00:17:09,840 Speaker 2: Thanks. 369 00:17:10,920 --> 00:17:12,879 Speaker 4: So what did we think, ladies? I feel like we 370 00:17:12,920 --> 00:17:15,560 Speaker 4: talk about hex quite a bit on the podcast. I've 371 00:17:15,560 --> 00:17:18,320 Speaker 4: never heard of this ten percent off situation? What's the deal? 372 00:17:18,440 --> 00:17:20,560 Speaker 2: That's because it's only semi new, and I don't mean 373 00:17:20,600 --> 00:17:22,840 Speaker 2: it's never existed before. It has and then it went 374 00:17:22,880 --> 00:17:25,600 Speaker 2: away and then on the first of January twenty twenty one, 375 00:17:25,680 --> 00:17:29,399 Speaker 2: it came back and is now something that you absolutely 376 00:17:29,480 --> 00:17:32,879 Speaker 2: have access to. But before I get into my deep like, 377 00:17:32,920 --> 00:17:36,600 Speaker 2: this is my thoughts, feelings, values, and beliefs Jess, George, 378 00:17:36,600 --> 00:17:37,359 Speaker 2: what do you reckon? 379 00:17:38,520 --> 00:17:41,480 Speaker 3: I mean, I guess it depends, like you've got to 380 00:17:41,520 --> 00:17:44,000 Speaker 3: look at what would you be doing with that money otherwise, 381 00:17:44,040 --> 00:17:45,919 Speaker 3: like would you be investing it, would you be saving it? 382 00:17:46,000 --> 00:17:48,600 Speaker 3: What's the rate of return on that going to be 383 00:17:48,800 --> 00:17:52,439 Speaker 3: as compared to the discount. I know that HEXTA is 384 00:17:52,480 --> 00:17:55,080 Speaker 3: good debt, so like we don't hate that it's there, 385 00:17:55,480 --> 00:17:58,280 Speaker 3: but I also know for me personally, like as a human, 386 00:17:58,680 --> 00:18:01,800 Speaker 3: I hate the idea of having debts sitting there. So 387 00:18:02,160 --> 00:18:05,959 Speaker 3: I would find the discount, coupled with the fact that 388 00:18:05,960 --> 00:18:08,240 Speaker 3: it would just mean that the debt would be extinguished, 389 00:18:08,320 --> 00:18:11,119 Speaker 3: would be super appealing to me. But they also know 390 00:18:11,200 --> 00:18:12,920 Speaker 3: that it might not be the right choice for everybody. 391 00:18:13,040 --> 00:18:15,840 Speaker 2: Yeah, no, I absolutely agree. And George, do you think 392 00:18:15,880 --> 00:18:19,520 Speaker 2: that would be something that would help or hinder for me? 393 00:18:19,920 --> 00:18:23,679 Speaker 4: I wouldn't be paying it up front, like it's a 394 00:18:23,760 --> 00:18:27,320 Speaker 4: debt that doesn't accrue interest over the journey, right, there's 395 00:18:27,320 --> 00:18:29,720 Speaker 4: no pressure really to pay it off sooner than later. 396 00:18:29,760 --> 00:18:32,439 Speaker 4: There's no benefit in doing that. Obviously, the ten percent 397 00:18:32,520 --> 00:18:34,720 Speaker 4: like that is significant when we're talking about debts of 398 00:18:34,800 --> 00:18:37,320 Speaker 4: like thirty to fifty to one hundred grand, depending on 399 00:18:37,440 --> 00:18:41,480 Speaker 4: what you're studying and how long for. But for me personally, 400 00:18:42,320 --> 00:18:44,240 Speaker 4: it's like a small sum that comes out of your 401 00:18:44,240 --> 00:18:46,400 Speaker 4: pay every fortnight or whenever you get paid, and it's 402 00:18:46,480 --> 00:18:50,760 Speaker 4: just not significant enough for me to choose to get 403 00:18:50,760 --> 00:18:53,359 Speaker 4: that lump sum removed upfront instead of just paying it 404 00:18:53,359 --> 00:18:54,560 Speaker 4: off slowly. Yeah. 405 00:18:54,640 --> 00:18:56,840 Speaker 2: Yeah, both of those are super valid, and I'm on 406 00:18:56,880 --> 00:18:59,720 Speaker 2: that page to be honest. At university, there's absolutely no 407 00:18:59,760 --> 00:19:02,280 Speaker 2: way I could have afforded to pay it off. And 408 00:19:02,480 --> 00:19:05,560 Speaker 2: the upfront payment is a payment that you're making while 409 00:19:05,560 --> 00:19:09,159 Speaker 2: it's happening, So it's kind of like I wish that 410 00:19:09,280 --> 00:19:11,720 Speaker 2: my payments were getting ten percent off now, but they're not, 411 00:19:11,880 --> 00:19:13,840 Speaker 2: and that's not actually how it works. And there's no 412 00:19:13,920 --> 00:19:16,400 Speaker 2: way I could have ever afforded to pay my university 413 00:19:16,400 --> 00:19:18,520 Speaker 2: degree while at UNI, because I was living life and 414 00:19:18,760 --> 00:19:21,120 Speaker 2: just couldn't afford it. But I also think that some 415 00:19:21,240 --> 00:19:23,040 Speaker 2: people are going to look at this and be like, 416 00:19:23,520 --> 00:19:27,520 Speaker 2: that's ten percent interest, whereas it's not. It's actually ten 417 00:19:27,560 --> 00:19:30,240 Speaker 2: percent discount if you pay upfront. But I think that's 418 00:19:30,240 --> 00:19:33,080 Speaker 2: actually a privilege that not many of us can make 419 00:19:33,160 --> 00:19:35,239 Speaker 2: use of. But absolutely if you can pay it, and 420 00:19:35,400 --> 00:19:37,320 Speaker 2: that is something that you want to do and you 421 00:19:37,400 --> 00:19:40,320 Speaker 2: want to be paying for your studies while studying, go 422 00:19:40,480 --> 00:19:43,000 Speaker 2: for it. It is a really good money win. At 423 00:19:43,000 --> 00:19:44,920 Speaker 2: the end of the day, it's ten percent. You're getting 424 00:19:44,960 --> 00:19:47,520 Speaker 2: ten percent off, but you have to make an upfront 425 00:19:47,520 --> 00:19:50,280 Speaker 2: payment of five hundred dollars or more towards units of 426 00:19:50,320 --> 00:19:54,320 Speaker 2: study with the same census date, or make an upfront 427 00:19:54,320 --> 00:19:58,040 Speaker 2: payment equal to ninety percent of your student contribution amounts. 428 00:19:58,800 --> 00:20:01,720 Speaker 2: Then you'll receive the TEMP discount, which is actually called 429 00:20:01,720 --> 00:20:04,840 Speaker 2: the hex Slash Help Upfront discount, which is really nice. 430 00:20:04,840 --> 00:20:07,680 Speaker 2: But at the end of the day, that works because 431 00:20:07,720 --> 00:20:11,359 Speaker 2: it increases your upfront payment by ten percent, which means 432 00:20:11,359 --> 00:20:13,120 Speaker 2: that you'll pay less for your studies if you pay 433 00:20:13,119 --> 00:20:16,119 Speaker 2: five hundred dollars or more upfront, and the government is 434 00:20:16,119 --> 00:20:18,680 Speaker 2: actually paying the other ten percent directly to your provider 435 00:20:18,720 --> 00:20:21,399 Speaker 2: for you. So like that's a nice money win. But again, 436 00:20:21,880 --> 00:20:24,440 Speaker 2: as I said, it is not something that a lot 437 00:20:24,480 --> 00:20:27,159 Speaker 2: of us financially are able to access. 438 00:20:27,640 --> 00:20:31,520 Speaker 3: Question, if we're paying this amount upfront, if I'm doing 439 00:20:31,560 --> 00:20:33,800 Speaker 3: say a three year degree, am I paying for three 440 00:20:33,920 --> 00:20:36,000 Speaker 3: years all at ones? Because that's a lot of money. 441 00:20:36,200 --> 00:20:39,480 Speaker 2: No, So what happens is as you enroll, you will 442 00:20:39,480 --> 00:20:43,960 Speaker 2: get an invoice essentially every census, which is every year 443 00:20:44,160 --> 00:20:47,400 Speaker 2: or every I think it's semester that you enroll for. 444 00:20:47,720 --> 00:20:49,840 Speaker 2: So say if one semester gest you're like, I'm going 445 00:20:49,840 --> 00:20:52,879 Speaker 2: to enroll in four subjects, you'll get an invoice for 446 00:20:52,960 --> 00:20:56,439 Speaker 2: those four subjects. But instead of paying that invoice for 447 00:20:56,480 --> 00:20:59,800 Speaker 2: your studies, you will actually nominate your help debt to 448 00:21:00,280 --> 00:21:03,640 Speaker 2: off that. So to get help, you actually have to apply. 449 00:21:04,280 --> 00:21:07,359 Speaker 2: So it's not just something that everybody can access. Your 450 00:21:07,440 --> 00:21:10,200 Speaker 2: degree actually has to qualify and the government has to degree. 451 00:21:10,240 --> 00:21:12,440 Speaker 2: And so you sign up, you say, yep, great, it's 452 00:21:12,520 --> 00:21:15,760 Speaker 2: on a Commonwealth supported place, and then you can start 453 00:21:16,040 --> 00:21:19,000 Speaker 2: getting the government to pay those invoices that you get 454 00:21:19,040 --> 00:21:19,880 Speaker 2: every semester. 455 00:21:20,600 --> 00:21:23,320 Speaker 3: Okay, got it. Because I guess my ongoing thought from 456 00:21:23,320 --> 00:21:27,080 Speaker 3: that would be what about the people who change? Yeah, no, 457 00:21:27,760 --> 00:21:28,760 Speaker 3: it's so common batter. 458 00:21:28,880 --> 00:21:31,360 Speaker 2: No, So you just pay unit by unit. And that's 459 00:21:31,359 --> 00:21:34,960 Speaker 2: why people would say things like, oh, well, actually I 460 00:21:35,000 --> 00:21:38,040 Speaker 2: only have half a degree, Like I just have ten 461 00:21:38,080 --> 00:21:40,600 Speaker 2: grand of hex step because I never finished my degree. 462 00:21:40,800 --> 00:21:44,040 Speaker 2: It's because it's only done per unit finish. And then 463 00:21:44,040 --> 00:21:46,520 Speaker 2: a university degree is made up of a certain number 464 00:21:46,520 --> 00:21:49,960 Speaker 2: of units. It's usually between twelve, eighteen or maybe twenty four, 465 00:21:50,000 --> 00:21:53,399 Speaker 2: depending on how many units you're doing in that particular degree. 466 00:21:53,440 --> 00:21:56,639 Speaker 2: And then once you make those twelve units up based 467 00:21:56,680 --> 00:21:59,680 Speaker 2: on whatever is compulsory for you, that's when you achieve 468 00:21:59,680 --> 00:22:02,000 Speaker 2: your deal. And that's why so many people can study 469 00:22:02,040 --> 00:22:04,439 Speaker 2: different things but still have the same degree, because you 470 00:22:04,480 --> 00:22:07,040 Speaker 2: have to achieve a certain number of units in a 471 00:22:07,119 --> 00:22:09,520 Speaker 2: core amount of areas. 472 00:22:09,560 --> 00:22:12,720 Speaker 3: Super interesting, Well, that is a really handy thing. Super privileged, 473 00:22:12,760 --> 00:22:14,600 Speaker 3: I suppose if you are able to pay it. And 474 00:22:14,600 --> 00:22:16,760 Speaker 3: I probably should have said that before I gave my answer, 475 00:22:16,840 --> 00:22:20,200 Speaker 3: being like I'd do it. I mean in a theoretical world. 476 00:22:20,280 --> 00:22:23,760 Speaker 2: Yeah, but there's no way, Like I totally get it, 477 00:22:23,840 --> 00:22:26,680 Speaker 2: but there is no way. I had more than five 478 00:22:26,760 --> 00:22:29,080 Speaker 2: hundred dollars when I was at UNI to go towards 479 00:22:29,080 --> 00:22:31,520 Speaker 2: my studies. So for me, I was always like great, 480 00:22:31,680 --> 00:22:34,320 Speaker 2: But I do remember, and maybe this is just the 481 00:22:34,359 --> 00:22:37,040 Speaker 2: circles that I was in. I remember the people that 482 00:22:37,200 --> 00:22:39,679 Speaker 2: were paying up front. Oh, my parents say I have 483 00:22:39,760 --> 00:22:41,880 Speaker 2: to pay up front because you get ten percent off. 484 00:22:41,920 --> 00:22:44,879 Speaker 2: I'd be like, cool, like we can't afford that. It 485 00:22:44,920 --> 00:22:47,960 Speaker 2: would always be because their parents were paying for their degrees. Like, 486 00:22:48,119 --> 00:22:51,199 Speaker 2: I don't know any person that is my age that 487 00:22:51,320 --> 00:22:56,280 Speaker 2: personally paid for their degrees themselves while studying. It was 488 00:22:56,320 --> 00:22:58,640 Speaker 2: always like a parent or a grandparent, or they had 489 00:22:58,640 --> 00:23:01,000 Speaker 2: some level of financial PreO that was paying for that, 490 00:23:01,040 --> 00:23:02,720 Speaker 2: and that's really great for them. I'm not saying that's 491 00:23:02,760 --> 00:23:05,000 Speaker 2: a bad thing at all. I'm just saying, if you're 492 00:23:05,040 --> 00:23:07,040 Speaker 2: looking at this and feeling a little bit guilty that, 493 00:23:07,080 --> 00:23:10,119 Speaker 2: oh my god, I can't access that, like girls, same like, 494 00:23:10,320 --> 00:23:11,959 Speaker 2: same dumb question. 495 00:23:12,320 --> 00:23:15,960 Speaker 3: Did you not just say that this just came into play, 496 00:23:16,000 --> 00:23:16,840 Speaker 3: this discount. 497 00:23:16,920 --> 00:23:19,480 Speaker 2: No, so it was in play, then it went out, 498 00:23:19,520 --> 00:23:21,840 Speaker 2: and now it's back. So as of the first of 499 00:23:21,920 --> 00:23:25,560 Speaker 2: January twenty twenty one, their help Loan discount is back. 500 00:23:25,800 --> 00:23:28,080 Speaker 2: But there was a period of time where you couldn't 501 00:23:28,119 --> 00:23:30,560 Speaker 2: get it. So back when I was at UNI, which 502 00:23:30,680 --> 00:23:33,960 Speaker 2: was ten years ago, that was actually a thing where 503 00:23:33,960 --> 00:23:35,679 Speaker 2: you could pay up front and get the discount. Then 504 00:23:35,720 --> 00:23:37,760 Speaker 2: it went out. I don't think my little sister had 505 00:23:37,800 --> 00:23:39,879 Speaker 2: access to it. And then now it's back, which is 506 00:23:39,920 --> 00:23:43,320 Speaker 2: really really nice, but again, massive privilege. Do not feel 507 00:23:43,320 --> 00:23:45,000 Speaker 2: guilty if you can't access it. 508 00:23:45,480 --> 00:23:47,919 Speaker 3: Well, there you go, lucky you if you can access that. 509 00:23:48,000 --> 00:23:50,560 Speaker 3: I wish I was that organized with my finances when 510 00:23:50,600 --> 00:23:51,560 Speaker 3: why was that age? 511 00:23:51,680 --> 00:23:54,639 Speaker 2: Not a chance? Jessic Ricci couldn't have done it to 512 00:23:54,680 --> 00:23:57,160 Speaker 2: save my life. In fact, I think I was negative 513 00:23:57,320 --> 00:23:59,440 Speaker 2: like I was. I was ind in Uni. 514 00:23:59,560 --> 00:24:04,120 Speaker 3: So yeah, he gone backwards speaking of really significant sums. Though, 515 00:24:04,680 --> 00:24:07,240 Speaker 3: I saw a super interesting article that I thought we 516 00:24:07,280 --> 00:24:09,679 Speaker 3: could chat about because I believe all three of us 517 00:24:09,720 --> 00:24:11,080 Speaker 3: have a hospital background. 518 00:24:11,280 --> 00:24:14,160 Speaker 2: Do you I miss my hospital days? 519 00:24:14,880 --> 00:24:15,359 Speaker 3: I don't. 520 00:24:15,480 --> 00:24:17,359 Speaker 2: Oh really, I loved it. 521 00:24:17,800 --> 00:24:20,760 Speaker 3: I mean my experience was really niche I worked at 522 00:24:20,880 --> 00:24:22,840 Speaker 3: a theater restaurant, which. 523 00:24:24,680 --> 00:24:30,400 Speaker 2: She did under the bus for Jessica? Which one? Which one? 524 00:24:30,440 --> 00:24:31,440 Speaker 2: Did you work at. 525 00:24:31,560 --> 00:24:33,359 Speaker 3: The Titanic themed restaurant? 526 00:24:33,400 --> 00:24:34,800 Speaker 2: Which is to this. 527 00:24:34,760 --> 00:24:37,359 Speaker 3: Day, I hear my heart will go on and I 528 00:24:37,400 --> 00:24:41,879 Speaker 3: want to beat my head. It's just didn't you need to, 529 00:24:42,040 --> 00:24:46,000 Speaker 3: like at halftime, during dinner or something, halftime, you would 530 00:24:46,000 --> 00:24:47,560 Speaker 3: have to like go out and do a dance or 531 00:24:47,600 --> 00:24:50,920 Speaker 3: something as the White stuff what happened? Yes, there were 532 00:24:51,000 --> 00:24:54,280 Speaker 3: dances at the end. I mean spoiler alert. I don't 533 00:24:54,320 --> 00:24:56,440 Speaker 3: even know if the restaurant it still exists. 534 00:24:56,720 --> 00:24:57,400 Speaker 4: It's still. 535 00:24:59,040 --> 00:25:02,080 Speaker 3: In my day. At the end of the show, you 536 00:25:02,080 --> 00:25:06,280 Speaker 3: would hit the iceberg. It was very dramatic, but happy days. 537 00:25:06,400 --> 00:25:08,760 Speaker 3: The Carpathia saved you and you made it to New 538 00:25:08,840 --> 00:25:11,119 Speaker 3: York and they would play New York, New York, and 539 00:25:11,400 --> 00:25:15,160 Speaker 3: three very unlucky waitresses would have to get into this 540 00:25:15,320 --> 00:25:20,000 Speaker 3: big boat costume and dance around the room to New York, 541 00:25:20,080 --> 00:25:23,280 Speaker 3: New York. It was awful. Anyway, did you. 542 00:25:23,200 --> 00:25:25,000 Speaker 2: Have to dance around in the boat costume? 543 00:25:25,080 --> 00:25:25,359 Speaker 1: Often? 544 00:25:25,560 --> 00:25:28,520 Speaker 3: Oh, there is absolutely photographic evidence of it somewhere on 545 00:25:28,560 --> 00:25:29,120 Speaker 3: the internet. 546 00:25:29,640 --> 00:25:32,720 Speaker 2: I have heard on the grapevine that there might be 547 00:25:32,800 --> 00:25:35,560 Speaker 2: pictures that still exist. So for those of you who 548 00:25:35,760 --> 00:25:38,840 Speaker 2: would like to do some snooping fair game, please share 549 00:25:38,840 --> 00:25:40,520 Speaker 2: it to She's on the money if you find it. 550 00:25:40,920 --> 00:25:43,960 Speaker 2: But if you did all of that work, Jess, did 551 00:25:43,960 --> 00:25:46,040 Speaker 2: you get tips? Come on, at least you were getting 552 00:25:46,080 --> 00:25:47,840 Speaker 2: tips all paid well, at least. 553 00:25:47,600 --> 00:25:49,840 Speaker 3: We did and were there. The way that we did 554 00:25:49,840 --> 00:25:52,040 Speaker 3: it was you would have a section, you'd look after 555 00:25:52,119 --> 00:25:54,480 Speaker 3: it and if you've got a tip, like amazing, because 556 00:25:54,520 --> 00:25:57,320 Speaker 3: you've given great service. Here in Australia, tipping is not 557 00:25:57,480 --> 00:26:00,760 Speaker 3: a requirement. It's not even super common place. I think 558 00:26:00,760 --> 00:26:04,360 Speaker 3: it's more just if someone gives you an exemplary service, 559 00:26:04,720 --> 00:26:06,320 Speaker 3: that is when you would tip them. Kind of is 560 00:26:06,320 --> 00:26:08,600 Speaker 3: a thank you. But this article that I was reading, 561 00:26:09,359 --> 00:26:12,840 Speaker 3: a woman in the UK worked at a restaurant and 562 00:26:13,080 --> 00:26:16,600 Speaker 3: they operated on a similar system where if your section 563 00:26:16,680 --> 00:26:19,480 Speaker 3: tipped you, that was your tip to keep. And she 564 00:26:19,560 --> 00:26:22,840 Speaker 3: looked after a table obviously did a fantastic job, got 565 00:26:22,880 --> 00:26:25,679 Speaker 3: chatting to them about her student loans and these people 566 00:26:25,680 --> 00:26:29,359 Speaker 3: were super incredibly kind and left her a tip which 567 00:26:29,480 --> 00:26:33,320 Speaker 3: was four thousand pounds, which is the equivalent of about 568 00:26:33,359 --> 00:26:37,520 Speaker 3: six grand here in Australia the same So much money, 569 00:26:37,520 --> 00:26:40,240 Speaker 3: how incredible. And they said to her, we want you 570 00:26:40,280 --> 00:26:41,520 Speaker 3: to pay off your student loan. 571 00:26:41,640 --> 00:26:44,800 Speaker 2: How sweet is that? But imagine, Okay, so like that 572 00:26:44,880 --> 00:26:47,760 Speaker 2: sounds great, but like I just want to put my 573 00:26:47,840 --> 00:26:50,879 Speaker 2: shoes in the place of the person who gave that tip. 574 00:26:51,080 --> 00:26:54,159 Speaker 2: Like imagine going out for dinner and having the financial 575 00:26:54,200 --> 00:26:57,919 Speaker 2: freedom to be Like I really liked her. She deserves 576 00:26:57,920 --> 00:27:01,600 Speaker 2: to have her student loans paid off. Ah, and you 577 00:27:01,640 --> 00:27:04,359 Speaker 2: could tip somebody six grand Like I could never in 578 00:27:04,400 --> 00:27:07,560 Speaker 2: a million years afford that, But like, imagine being in 579 00:27:07,560 --> 00:27:10,080 Speaker 2: that position. That would just be cool. I mean, getting 580 00:27:10,119 --> 00:27:12,800 Speaker 2: it would arguably be cool as well. But like from 581 00:27:12,880 --> 00:27:15,240 Speaker 2: my perspective, I'm like, how cool is that? 582 00:27:15,240 --> 00:27:15,359 Speaker 4: That? 583 00:27:15,520 --> 00:27:16,760 Speaker 2: People are so generous. 584 00:27:17,080 --> 00:27:19,119 Speaker 3: I know, that's the life that I dream of living. 585 00:27:19,280 --> 00:27:24,000 Speaker 3: But travesty strikes because her supervisor or her manager said, 586 00:27:24,359 --> 00:27:26,800 Speaker 3: the tip's so big, you need to split that with 587 00:27:26,880 --> 00:27:30,000 Speaker 3: everyone on the floor, Which yeah, I mean, I don't 588 00:27:30,040 --> 00:27:32,320 Speaker 3: know how many people were there, but like a typical restaurant, 589 00:27:32,400 --> 00:27:34,840 Speaker 3: let's say there's at least four or five other staff 590 00:27:34,880 --> 00:27:37,800 Speaker 3: members that are looking after if not more, so that 591 00:27:37,920 --> 00:27:41,639 Speaker 3: six grand suddenly becomes one thousand dollars for everybody. Which 592 00:27:42,160 --> 00:27:45,480 Speaker 3: it was super controversial the article online. Really like splitting 593 00:27:45,520 --> 00:27:47,480 Speaker 3: people up, and I wanted to get your thoughts as 594 00:27:47,520 --> 00:27:51,359 Speaker 3: former waitresses. Is it okay? Is it not okay? What 595 00:27:51,400 --> 00:27:52,159 Speaker 3: do you think? Oh? 596 00:27:52,200 --> 00:27:54,560 Speaker 2: I worked in a couple of restaurants, so I have 597 00:27:54,760 --> 00:27:57,000 Speaker 2: done all of it, I think. So there are a 598 00:27:57,040 --> 00:27:59,720 Speaker 2: few restaurants where we just pulled tips, so any tip 599 00:27:59,720 --> 00:28:02,240 Speaker 2: you go but went into essentially a tip jar, and 600 00:28:02,280 --> 00:28:04,600 Speaker 2: at the end of the night, it was divided equally 601 00:28:04,640 --> 00:28:07,760 Speaker 2: among everybody, which, to be honest, as a waitress, I 602 00:28:07,840 --> 00:28:10,520 Speaker 2: really liked because I felt like it was quite fair. 603 00:28:10,600 --> 00:28:13,159 Speaker 2: And I'm one of those people that always wants a 604 00:28:13,200 --> 00:28:15,600 Speaker 2: quality like I don't want more than you got because 605 00:28:15,640 --> 00:28:19,040 Speaker 2: I'll feel guilty, and I really liked it because the 606 00:28:19,119 --> 00:28:22,439 Speaker 2: kitchen staff also benefited then as well, So those people 607 00:28:22,440 --> 00:28:24,800 Speaker 2: that weren't out on the floor being able to get tips, 608 00:28:24,840 --> 00:28:27,320 Speaker 2: they would always be able to take home some tips, 609 00:28:27,320 --> 00:28:30,560 Speaker 2: which I always thought was really cool. So for me 610 00:28:30,840 --> 00:28:32,960 Speaker 2: that was nice. But I also worked in restaurants where 611 00:28:33,000 --> 00:28:36,600 Speaker 2: whatever you were tipped personally was definitely yours, and I 612 00:28:36,640 --> 00:28:39,600 Speaker 2: feel like they were more high end restaurants when I 613 00:28:39,720 --> 00:28:42,040 Speaker 2: was working in them, Like I definitely couldn't afford to 614 00:28:42,040 --> 00:28:44,800 Speaker 2: dine at them at that point in time, and whenever 615 00:28:44,840 --> 00:28:46,920 Speaker 2: you got tips, it was usually because you were like 616 00:28:47,040 --> 00:28:50,160 Speaker 2: waiting on that person for the entire evening. Like we're 617 00:28:50,160 --> 00:28:54,480 Speaker 2: talking like rock ball style venues, but it was all different. Gee, 618 00:28:54,560 --> 00:28:56,240 Speaker 2: what do you do for tips? I don't. 619 00:28:56,440 --> 00:29:00,480 Speaker 4: I don't really remember getting tips, but I'm sure there 620 00:29:00,480 --> 00:29:04,760 Speaker 4: would have been some floating around, but I definitely don't 621 00:29:04,800 --> 00:29:07,360 Speaker 4: remember them ever being divvied up. But I think maybe 622 00:29:07,400 --> 00:29:09,479 Speaker 4: they pulled them and then we would use them for 623 00:29:09,520 --> 00:29:12,120 Speaker 4: like the Christmas party, and I'm sure, yeah, that is 624 00:29:12,280 --> 00:29:15,600 Speaker 4: just pocketed the rest. But I kind of have mixed 625 00:29:15,640 --> 00:29:18,280 Speaker 4: feels on this as well. Obviously, the story is out 626 00:29:18,320 --> 00:29:21,960 Speaker 4: of America, where their tipping system is very different to 627 00:29:22,280 --> 00:29:24,280 Speaker 4: what we have in Australia. Like it's a massive part 628 00:29:24,320 --> 00:29:27,480 Speaker 4: of their income, right, Like we're making tips is more 629 00:29:27,520 --> 00:29:28,920 Speaker 4: than you'll earn jets. 630 00:29:28,960 --> 00:29:32,520 Speaker 3: Oh sorry, I said the UK, it was actually America. 631 00:29:32,600 --> 00:29:34,760 Speaker 2: I wasn't going to correct you jests, but I was like, 632 00:29:34,800 --> 00:29:36,560 Speaker 2: everybody will get what we mean. Doesn't matter. 633 00:29:38,440 --> 00:29:41,400 Speaker 4: In the US, tips are a massive deal, right, So 634 00:29:42,000 --> 00:29:45,520 Speaker 4: I kind of I feel like for this this lady, 635 00:29:45,760 --> 00:29:49,480 Speaker 4: like she obviously did a great job, she earned those tips, 636 00:29:49,480 --> 00:29:52,560 Speaker 4: like she should take them home. But then I agree 637 00:29:52,800 --> 00:29:54,840 Speaker 4: on the other side if I feel like, if I 638 00:29:54,920 --> 00:29:58,440 Speaker 4: was in that situation again, little people pleaser, I'd be 639 00:29:58,520 --> 00:30:01,240 Speaker 4: like everyone a thousand dollar for everyone, you know, Yeah, 640 00:30:01,240 --> 00:30:01,600 Speaker 4: because I. 641 00:30:02,000 --> 00:30:04,040 Speaker 2: Feel that I am, but given it was given with 642 00:30:04,120 --> 00:30:08,080 Speaker 2: purpose and Jess, you've done us a dirty you haven't 643 00:30:08,080 --> 00:30:10,840 Speaker 2: given us the full story. The reason this is so 644 00:30:11,040 --> 00:30:15,000 Speaker 2: interesting is because she got fired for not sharing the tips. 645 00:30:15,320 --> 00:30:18,400 Speaker 2: She actually lost her job, and in a comment that 646 00:30:18,480 --> 00:30:20,880 Speaker 2: she made, she said, I've been working at that restaurant 647 00:30:20,880 --> 00:30:23,280 Speaker 2: for three and a half years and at no point 648 00:30:23,360 --> 00:30:26,800 Speaker 2: in time have we ever split tips with co workers. 649 00:30:27,160 --> 00:30:29,480 Speaker 2: So I feel like that's just a bit unfair to 650 00:30:29,600 --> 00:30:32,480 Speaker 2: bend the rules because it's big enough, Like I just 651 00:30:32,880 --> 00:30:35,320 Speaker 2: I know it's crazy and it's a lot of money, 652 00:30:35,360 --> 00:30:37,400 Speaker 2: But at the end of the day, like if that 653 00:30:37,600 --> 00:30:39,720 Speaker 2: was the rule at the start, it's very easy to 654 00:30:39,800 --> 00:30:42,720 Speaker 2: just say, okay, no, well it's hers. But like I 655 00:30:42,760 --> 00:30:45,160 Speaker 2: would think that she was doing us the dirty if 656 00:30:45,200 --> 00:30:48,320 Speaker 2: she wasn't sharing it when it was always a history 657 00:30:48,320 --> 00:30:51,480 Speaker 2: of sharing. Is that fair to say, like, once the 658 00:30:51,560 --> 00:30:52,960 Speaker 2: rule set, it shouldn't bend. 659 00:30:53,320 --> 00:30:53,760 Speaker 4: I think so. 660 00:30:54,120 --> 00:30:55,440 Speaker 3: Yeah, I think so as well. 661 00:30:55,560 --> 00:30:57,320 Speaker 2: Yeah, I don't know how I would have dealt if 662 00:30:57,360 --> 00:30:59,840 Speaker 2: sometimes we were splitting tips and sometimes we weren't, because 663 00:30:59,840 --> 00:31:02,600 Speaker 2: pep awkward around money, Like just make a rule. If 664 00:31:02,600 --> 00:31:05,120 Speaker 2: you split tips, you split tips. If you don't split tips, 665 00:31:05,160 --> 00:31:07,320 Speaker 2: you don't split tips. And it's not talked about, Like 666 00:31:07,440 --> 00:31:09,640 Speaker 2: I don't know, I just feel like that should be 667 00:31:09,680 --> 00:31:11,680 Speaker 2: more upfront. Is that something that when you get a 668 00:31:11,720 --> 00:31:14,880 Speaker 2: new job in hospitality you discuss with your managers. I've 669 00:31:14,920 --> 00:31:17,480 Speaker 2: never had that conversation. I would always just come into 670 00:31:17,520 --> 00:31:20,400 Speaker 2: restaurants as quite a young waitress and be like, oh, 671 00:31:20,440 --> 00:31:23,560 Speaker 2: what do we do? Like just copy everybody else? Like 672 00:31:23,760 --> 00:31:25,120 Speaker 2: I've never had that conversation. 673 00:31:25,200 --> 00:31:27,520 Speaker 3: I don't think I feel like it's usually whoever was 674 00:31:27,560 --> 00:31:30,160 Speaker 3: training you or showing you the ropes. It'd usually be 675 00:31:30,240 --> 00:31:32,040 Speaker 3: something that was covered by them, and they'd be like, oh, 676 00:31:32,080 --> 00:31:33,640 Speaker 3: this is how we do it. But I think to 677 00:31:33,680 --> 00:31:37,120 Speaker 3: flip the narrative as the tipper, if you have done, 678 00:31:37,520 --> 00:31:40,040 Speaker 3: you know, made that tip, which was incredibly generous, four 679 00:31:40,080 --> 00:31:42,920 Speaker 3: thousand dollars, you know is a lot of money, and 680 00:31:42,960 --> 00:31:45,320 Speaker 3: they've done it obviously because they liked this girl and 681 00:31:45,360 --> 00:31:47,400 Speaker 3: they wanted to help her out. I feel like I 682 00:31:47,440 --> 00:31:50,080 Speaker 3: would be low key a little bit annoyed that I 683 00:31:50,200 --> 00:31:52,920 Speaker 3: had spent all that money on and it wasn't going 684 00:31:52,960 --> 00:31:53,600 Speaker 3: to where I were. 685 00:31:54,240 --> 00:31:56,960 Speaker 2: That's actually a really good point to that story, like 686 00:31:57,160 --> 00:32:00,600 Speaker 2: she was tipped with purpose, and if it was cifically 687 00:32:00,640 --> 00:32:03,520 Speaker 2: meant to go to her, I think that that actually 688 00:32:03,560 --> 00:32:05,880 Speaker 2: needs to be a bit of a rule bender because 689 00:32:06,080 --> 00:32:08,880 Speaker 2: I remember once and I don't have the clearest memory 690 00:32:08,880 --> 00:32:11,840 Speaker 2: of this, but I do remember once having a conversation 691 00:32:11,960 --> 00:32:14,160 Speaker 2: with a boss. It wasn't me questioning it. It was like 692 00:32:14,160 --> 00:32:16,440 Speaker 2: in one of those team meetings they were like, yep, 693 00:32:16,520 --> 00:32:19,200 Speaker 2: and we were actually given a tip for this particular person, 694 00:32:19,320 --> 00:32:22,560 Speaker 2: so they got extra or something. And I feel like, yeah, 695 00:32:22,800 --> 00:32:25,120 Speaker 2: I would want my money going where I asked it 696 00:32:25,160 --> 00:32:28,000 Speaker 2: to go. I'm not just tipping the restaurant, Like, that's 697 00:32:28,000 --> 00:32:29,920 Speaker 2: not what I was doing. If I gave you something 698 00:32:29,920 --> 00:32:32,080 Speaker 2: to pay off your student loans, Does that make sense? 699 00:32:32,200 --> 00:32:32,600 Speaker 2: I don't know. 700 00:32:32,920 --> 00:32:35,080 Speaker 3: Yeah, no, I agree, And I think maybe i'll pop 701 00:32:35,120 --> 00:32:37,600 Speaker 3: that in the thread today in a Facebook group and 702 00:32:37,680 --> 00:32:40,080 Speaker 3: get people's thoughts, because I mean, we've all done it 703 00:32:40,120 --> 00:32:42,720 Speaker 3: a certain way my restaurant. You kept your own tips, 704 00:32:42,720 --> 00:32:44,560 Speaker 3: as you said, you guys split, So it's kind of 705 00:32:44,640 --> 00:32:48,200 Speaker 3: interesting to see what people think because there's not necessarily 706 00:32:48,440 --> 00:32:50,200 Speaker 3: a set right way to do it. 707 00:32:50,400 --> 00:32:52,880 Speaker 2: Yeah, and I want to know for people who still 708 00:32:52,920 --> 00:32:55,520 Speaker 2: work in the hospitality industry, because it's been a good 709 00:32:55,560 --> 00:32:58,440 Speaker 2: ten years for me, is tipping still a massive thing 710 00:32:58,480 --> 00:33:00,480 Speaker 2: and is it really important? Like should I be doing 711 00:33:00,520 --> 00:33:03,200 Speaker 2: it or is it an American thing? But also to 712 00:33:03,360 --> 00:33:07,160 Speaker 2: further that, Jess, I feel like this is like lottery tickets, 713 00:33:07,520 --> 00:33:11,720 Speaker 2: like that seems really far fetched, but I know I've 714 00:33:11,760 --> 00:33:14,479 Speaker 2: read a few stories historically of people giving those like 715 00:33:14,560 --> 00:33:18,360 Speaker 2: scratchy lotto tickets for Christmas, and obviously Christmas is coming up. 716 00:33:19,400 --> 00:33:23,840 Speaker 2: What would your expectation be if somebody won five bucks 717 00:33:23,840 --> 00:33:24,960 Speaker 2: on their scratchy jess. 718 00:33:25,080 --> 00:33:27,200 Speaker 3: Oh my gosh, I know exactly where you're going with this. 719 00:33:27,440 --> 00:33:29,800 Speaker 2: Yeah, right, so it's related. You guys looked at me 720 00:33:29,880 --> 00:33:32,120 Speaker 2: like I was crazy, But I'm not that bad shit. 721 00:33:32,720 --> 00:33:34,480 Speaker 3: I mean if I won, if you won five dollars, 722 00:33:34,520 --> 00:33:36,920 Speaker 3: I wouldn't care. But I've definitely seen the stories of 723 00:33:37,000 --> 00:33:40,280 Speaker 3: people giving a gift and the recipient winning. 724 00:33:39,960 --> 00:33:43,000 Speaker 2: Big, winning, like a million dollars, Like what happens? 725 00:33:43,040 --> 00:33:43,200 Speaker 3: Then? 726 00:33:43,480 --> 00:33:44,840 Speaker 2: No, so you gifted it to me? 727 00:33:44,920 --> 00:33:46,920 Speaker 3: Yeah the gift gif turning around and saying you owe 728 00:33:46,920 --> 00:33:49,720 Speaker 3: me a cut, which I just think is ridiculous. A 729 00:33:49,760 --> 00:33:51,400 Speaker 3: gift is a gift. You shouldn't be. 730 00:33:51,480 --> 00:33:54,360 Speaker 2: Yeah, but like that's awkward. So like I feel like 731 00:33:54,440 --> 00:33:57,400 Speaker 2: that plays into what we're talking about today, because if 732 00:33:57,400 --> 00:33:59,960 Speaker 2: she'd been tipped six dollars, I don't think anyone would 733 00:34:00,160 --> 00:34:03,280 Speaker 2: battered an nyhilid, But because it was like six grand, 734 00:34:03,880 --> 00:34:06,200 Speaker 2: everybody's like, oh no, you should be sharing that. I'm like, 735 00:34:06,360 --> 00:34:08,360 Speaker 2: where's the tipping point? Like would it have been one 736 00:34:08,400 --> 00:34:10,640 Speaker 2: hundred dollars, which ye, I've had to split hundred dollars? 737 00:34:10,680 --> 00:34:13,120 Speaker 2: What about three hundred dollars? Like where's that line? And 738 00:34:13,280 --> 00:34:15,919 Speaker 2: why does it exist? Is it other people's greed because 739 00:34:15,920 --> 00:34:17,360 Speaker 2: I feel like it's other people's greed. 740 00:34:17,719 --> 00:34:20,120 Speaker 3: Oh interesting, I feel like this comments thread is going 741 00:34:20,160 --> 00:34:20,880 Speaker 3: to get spye. 742 00:34:21,239 --> 00:34:24,839 Speaker 2: It does get spicy, but as always, guys, I think 743 00:34:24,840 --> 00:34:28,000 Speaker 2: we've been talking for wait too long. But before we 744 00:34:28,080 --> 00:34:30,319 Speaker 2: head off this week, we'd like to acknowledge and pay 745 00:34:30,360 --> 00:34:34,200 Speaker 2: respect to Australia's Aboriginal and torrest Rate islander people's. They're 746 00:34:34,200 --> 00:34:37,160 Speaker 2: the traditional custodians of the lands, the waterways and the 747 00:34:37,200 --> 00:34:40,640 Speaker 2: skies all across Australia. We thank you for sharing and 748 00:34:40,719 --> 00:34:42,800 Speaker 2: for caring for the land on which we are able 749 00:34:42,840 --> 00:34:45,720 Speaker 2: to learn. We pay respects to elders past and present, 750 00:34:45,760 --> 00:34:48,000 Speaker 2: and we share our friendship and our kindness. 751 00:34:48,160 --> 00:34:50,640 Speaker 4: And remember, guys that the advice shared on Shees on 752 00:34:50,680 --> 00:34:53,240 Speaker 4: the Money is general in nature and does not consider 753 00:34:53,320 --> 00:34:57,080 Speaker 4: your individual circumstances. She's on the Money exists purely for 754 00:34:57,239 --> 00:34:59,880 Speaker 4: educational purposes and should not be relied upon to me 755 00:35:00,120 --> 00:35:03,880 Speaker 4: an investment or a financial decision, and we promise Victoria 756 00:35:03,920 --> 00:35:07,760 Speaker 4: Divine is an authorized representative of Australia Pacific Funds Management 757 00:35:07,960 --> 00:35:11,160 Speaker 4: Proprietary Limited a BN three four one three two four 758 00:35:11,239 --> 00:35:14,440 Speaker 4: six three two five seven AFSL three three nine one five. 759 00:35:14,360 --> 00:35:15,439 Speaker 2: One See you next week. 760 00:35:15,520 --> 00:35:23,360 Speaker 4: Guys Bye, guys bye.