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

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Speaker 1: the Order KERNI Whoaltbury and a waddery woman. And before

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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

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Speaker 2: millennials who want financial freedom. Welcome back to another one

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Speaker 2: of our money daries where we get to talk with

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Speaker 2: one of our incredible She's on the Money community members

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Speaker 2: all about their journey. Let's jump straight into it, because

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Speaker 2: this week I got a message and it sounded exactly

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Speaker 2: like this, Dear, She's on the Money. Growing up, I

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Speaker 2: thought I was terrible with maths and money, but my

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Speaker 2: financial journey has been one of growth and learning. Now

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Speaker 2: as a proud single mum by choice. Having my eighteen

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Speaker 2: month old son through IVF with a donor, as well

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Speaker 2: as a beautiful fur baby cat. I'm navigating the challenges

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Speaker 2: of solo parenting and the rising cost of living, and

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Speaker 2: despite feeling financially vulnerable at times, I've built strong systems

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Speaker 2: to keep us on track. It's not easy, but I'm

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Speaker 2: proof that you can have kids on your own and

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Speaker 2: make it work. Money does. This is the coolest story ever.

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Speaker 4: Thank you.

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Speaker 2: This is so exciting. I just love the idea that

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Speaker 2: you're like, no, no, no, I want to be a

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Speaker 2: mum and it's gonna happen. I have so many questions,

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Speaker 2: but before we get there, if I asked you to

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Speaker 2: give your money habits a grade from A three to F,

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Speaker 2: what would you grade them?

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Speaker 4: You know, it's interesting. I've really thought about this because

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Speaker 4: I often find myself disagreeing with the other money diarists

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Speaker 4: on the podcast, and I think women, we're so hard

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Speaker 4: on ourselves, I know, much high expectations, and so I thought,

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Speaker 4: you know what, there's actually a real clear difference to

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Speaker 4: where I feel I sit and to where I think

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Speaker 4: I sit if I take emotion out of it, so

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Speaker 4: I feel like a c I feel like, I feel

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Speaker 4: financially vulnerable right now, but when I look at the

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Speaker 4: bigger picture and I look at things down on a

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Speaker 4: piece of paper, I think I'm probably more like a bee.

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Speaker 2: Yeah that's so nice that you're able to reflect on that.

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Speaker 4: Yeah, it's one of those things. I think we feel

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Speaker 4: so different. But if you can take that emotion out

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Speaker 4: and actually look at what you're doing, there's just actually

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Speaker 4: you know so much there.

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Speaker 2: So we're going to give you the credit. You're a

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Speaker 2: b I love that money diarist. My face question to

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Speaker 2: ask people is about their money story. So let's dive in.

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Speaker 2: Can you tell me a bit more about your money story?

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Speaker 4: Sure? So, growing up, I always felt like we didn't

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Speaker 4: have much money. My parents immigrated to Australia, and you know,

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Speaker 4: I had these memories of growing grocery shopping with my

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Speaker 4: mom and her checking the price tags and buying things

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Speaker 4: when they're on special. And I feel like I came

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Speaker 4: from a household where if you lost your jumper or

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Speaker 4: your hat, you didn't get a new one, you just

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Speaker 4: went without it. And so I think that's really impacted

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Speaker 4: how I view my money now. I'm always someone who's

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Speaker 4: trying to save money, even if it's just a little bit,

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Speaker 4: and I'm quite conscious of looking out for a good

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Speaker 4: bargain and trying hard not to buy anything on full price,

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Speaker 4: although don't always succeed.

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Speaker 2: I totally get that. In fact, that's triggered a memory

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Speaker 2: for me. Actually when you said you lost your jumper

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Speaker 2: or your heart, like you don't get a new one

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Speaker 2: like that, I'm assuming for you it's maybe the same story,

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Speaker 2: Like we're talking about school uniform. Yeah, yes, yeah, Like

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Speaker 2: I remember my mum being like, right, well, you won't

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Speaker 2: be able to go outside and play because I'm not

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Speaker 2: buying a new hat for you. Did your mum do

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Speaker 2: the thing where she'd be like, right, well, you're gonna

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Speaker 2: have to find it, Yeah, like go to school check

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Speaker 2: the lost property, ask you to. You're going to have

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Speaker 2: to find your jump because I'm not buying you a

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Speaker 2: new one, Like we can't afford that. That's not an option?

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Speaker 2: And why are school uniform is so expensive?

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Speaker 4: And you don't realize it at the time, right, of course.

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Speaker 2: Not, But now I look at it, I'm like, wait what.

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Speaker 4: And I remember going to the secondhand uniform shop as

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Speaker 4: well to buy all of our uniforms.

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Speaker 2: Oh so did we and like genius from mum to

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Speaker 2: be honest, because like it's the same thing, but that

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Speaker 2: feeling of being like, oh it's not you like, oh

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Speaker 2: I get.

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Speaker 4: It, but it's good because it makes me feel I

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Speaker 4: think I, because of that, quite conscious of money and

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Speaker 4: you know, always looking for second hand items, like you know,

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Speaker 4: your mum was a great role model in that respect,

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Speaker 4: you know, learning from her. So it's been good. Obviously,

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Speaker 4: once I started working and earning money, it's always great.

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Speaker 4: You get your first time paycheck, it's exciting. But I've

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Speaker 4: always worked in the not for profit sector and so

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Speaker 4: I'm not earning massive amounts of money, and so I've

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Speaker 4: always been conscious of money and trying to say where

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Speaker 4: I can. And after university I saved. I worked so

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Speaker 4: hard and saved about thirty k and went traveling for

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Speaker 4: a year iconic, which I think everybody should do in

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Speaker 4: their lifetime is absolutely amazing thing to do.

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Speaker 2: The whole year would have been so special.

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Speaker 4: It was unreal. I mean, it was backpacking, it.

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Speaker 2: Was okay, but like that doesn't change it. It's still

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Speaker 2: so special.

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Speaker 4: One hundred percent. And it's interesting because sometimes I go, oh, god,

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Speaker 4: thirty K, wouldn't that be a great start for a

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Speaker 4: house deposit, but I wouldn't take that traveling year away

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Speaker 4: at all, Like it was just so special.

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Speaker 2: I love that. So now wary, you're at what does

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Speaker 2: that look like?

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Speaker 4: So after traveling and working, I kind of got into

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Speaker 4: my mid thirties and on and off dating and not

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Speaker 4: really having much success in that department, and I kind

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Speaker 4: of thought to myself, when I get to thirty seven,

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Speaker 4: it's time to start thinking about freezing your eggs. And

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Speaker 4: so I started doing a person I like to do

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Speaker 4: a lot of research before I actually make my decision.

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Speaker 2: I think you and I are on the same page

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Speaker 2: and picking up similar vibes. I like this, I love this.

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Speaker 4: So I kind of got to thirty seven, I was like, oh,

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Speaker 4: I'm not sure. Yeah, let's just do research. And so

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Speaker 4: I kind of went, oh, I don't know, actually that

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Speaker 4: freezing my eggs isn't the best option for me from

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Speaker 4: my understanding. You know, it can be a great option

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Speaker 4: to have, especially in your younger years, but the longer

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Speaker 4: your eggs are frozen, they're less viable. They can become

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Speaker 4: over time, the dethoring process can be hard on them,

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Speaker 4: and unfertilized eggs are not necessarily as hardy as fertilized embryos.

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Speaker 4: So I kind of thought, maybe that's not the best

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Speaker 4: option for me right now, Let's just keep dating and

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Speaker 4: seeing what happens. And then I got to thirty eight,

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Speaker 4: and did.

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Speaker 2: You feel a lot of dating pressure? Just like, oh,

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Speaker 2: I'm trying to find the right person, and like this

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Speaker 2: just isn't fitting, Like.

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Speaker 4: And I see so many people making decisions that I

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Speaker 4: think I don't feel comfortable with where I don't you know,

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Speaker 4: if I marry someone, I want to be absolutely one

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Speaker 4: hundred percent in love and I don't want to have

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Speaker 4: that pressure of wanting to have kids so quickly getting

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Speaker 4: that pressure on it. Yeah. Yeah, So I got to

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Speaker 4: thirty eight and I started looking at IVF with an

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Speaker 4: anonymous doner, and again be come was like, oh god,

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Speaker 4: this is such a big step.

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Speaker 2: A massive step, so exciting but also so terrifying, like,

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Speaker 2: oh my gosh, this could really happen.

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Speaker 4: I'd never dreamt of doing it on my own. My

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Speaker 4: dream was to do it with somebody else. Of course,

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Speaker 4: you know, as a little kid, that's what you want,

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Speaker 4: that's the dream. So it was quite a bit of

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Speaker 4: a shift in my mindset to start thinking along this pathway.

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Speaker 4: But I just thought, you know what, let's just make

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Speaker 4: an appointment with a fertility specialist and go down that pathway.

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Speaker 2: You can always say no, you can always say no later.

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Speaker 4: One hundred I'm just gathering information. That's all I'm doing

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Speaker 4: at this point, right. It's one step at a time.

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Speaker 4: And I actually made appointments to fertility specialists based on recommendations,

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Speaker 4: which I actually would recommend because the first person I

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Speaker 4: saw I did not like, and it was someone that

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Speaker 4: everyone had raved about.

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Speaker 2: Isn't that frustrating when you're like, why does everybody like this?

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Speaker 4: I know, but it's good because then it's like, you

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Speaker 4: know what, it's such a personal thing. You want to

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Speaker 4: be able to ask those silly and dumb questions and

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Speaker 4: feel like the specialist has the time for.

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Speaker 2: You to do that one hundred percent.

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Speaker 4: And so after that then I just kind of started,

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Speaker 4: you know, meeting with the specialist and she'd send me

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Speaker 4: to do some tests, like a blood test, nothing too crazy,

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Speaker 4: and it kind of just the more I was in

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Speaker 4: it and thinking about it, the more it just felt

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Speaker 4: more comfortable and more the right thing for me to do.

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Speaker 2: And you were like, I'm on this path. I was

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Speaker 2: just looking at the path, but I just woke up

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Speaker 2: and I think I'm actually on the.

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Speaker 4: Path way down it.

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Speaker 2: Yeah, like I'm halfway down it, and I actually don't

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Speaker 2: want to turn around.

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Speaker 4: It's good. And I went, yeah, I'm doing it.

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Speaker 2: Oh, that's so exciting.

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Speaker 4: I had been saving, right, so, like it wasn't and

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Speaker 4: I knew IVF was expenses. So the whole time I'm

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Speaker 4: meeting with the specialist, it's not like really quick. You know,

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Speaker 4: there might be a month or two apart. So I'm

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Speaker 4: like going, okay, I need to hit go into my

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Speaker 4: hardcore savings goal and start really saving because it is expensive.

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Speaker 4: So I was doing all of that knowing that you know,

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Speaker 4: there's sure anyone who's gone through IVF nos, but there's

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Speaker 4: a little bit of hidden costs. Sometimes you might get

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Speaker 4: a cost, it might tell you how it is, but

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Speaker 4: then there's all these other things and if there's anything

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Speaker 4: I unexpected that pops up, well then that's an additional cost.

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Speaker 4: And medicine costs more, and you know, so there's all

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Speaker 4: these extra little things you have to pay for.

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Speaker 2: Yees.

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Speaker 4: So then I started they sent me paperwork. I did

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Speaker 4: all the work and then they sent me profiles for

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Speaker 4: anonymous bonus.

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Speaker 2: Oh I was about to ask, Okay, so how do

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Speaker 2: you pick an anonymous donor? Because I am so pervy,

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Speaker 2: like girl, I need to know, like do you get

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Speaker 2: to go like shopping for your baby daddy that look quiet?

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Speaker 4: Yeah? Absolutely, So you can go down in Australia to well,

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Speaker 4: I guess it's different. Maybe each state is as well different.

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Speaker 4: I'm in New South Wales. But in Australia you've got

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Speaker 4: two options. You can go an international route. So there's

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Speaker 4: American donors and there are lots of them. So Americans

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Speaker 4: get paid to donate, so there's often lots of options.

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Speaker 2: Yeah, and are you allowed to use that in Australia.

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Speaker 4: You can Yeah. Wow, Australian clinics have access to the

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Speaker 4: database in America and so you can get all this

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Speaker 4: information about the donors. You obviously no identifying information. It's

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Speaker 4: all anonymous.

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Speaker 2: Yeah, of course I had no idea, Like I genuinely

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Speaker 2: just thought, okay, like we're an island in the middle

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Speaker 2: of nowhere. Surely we would only have access to Australian donors.

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Speaker 2: And like you hear so much about like I don't know,

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Speaker 2: I hear so much about like surrogacy journeys, because you

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Speaker 2: obviously can't pay asarig in Australia. It can in America anyway.

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Speaker 2: It's a very complex space, so I just assumed that

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Speaker 2: maybe you couldn't access American donors. How interesting.

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Speaker 4: Yeah, and there's a lot of choice if you go

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Speaker 4: down that pathway. It's a little bit more expensive because

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Speaker 4: obviously you have to pay for the transportation to Australia.

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Speaker 2: What type of cost that to you know, I can't.

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Speaker 4: Remember because I didn't go down this pathway. It would

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Speaker 4: be a couple of hundred I think maybe, or even

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Speaker 4: in the thousand. I can't quite remember it.

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Speaker 2: But it's not like tens of thousands of dollars.

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Speaker 4: Don't go down that route, no, Yeah, so I went

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Speaker 4: down the Australian donor route, which is far less options

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Speaker 4: because in Australia, to donate your eggs or sperm, it

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Speaker 4: is all altruistic, so you don't get anything in return.

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Speaker 2: There's something that I like about that though, and you

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Speaker 2: mentioned before. We haven't gotten super into it, but like

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Speaker 2: you mentioned before, I work for nonprofits. I'm happy to

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Speaker 2: earn less money because I just feel like that fits

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Speaker 2: your vibe more right.

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Speaker 4: Yeah, I don't know, it just felt more comfortable for me.

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Speaker 2: I like the idea that they wanted that for you,

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Speaker 2: not for financial gain for them. That's so kind. Yeah

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Speaker 2: I get it, I get it.

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Speaker 4: Yeah, absolutely so yeah, but I had like there was

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Speaker 4: five options, so in America they'd be I think on

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Speaker 4: their database they can be like one hundred or so,

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Speaker 4: which also I think can be overwhelming analysis paralysis.

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Speaker 2: It's like investing, like how do you pick an ETF

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Speaker 2: how do you pick a sperm donor?

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Speaker 1: Like?

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Speaker 2: Same right, So.

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Speaker 4: I wanted my baby to look like me, so I

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Speaker 4: went with the same ethnicity as a way of breaking

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Speaker 4: me down totally. And then from there it was really

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Speaker 4: the health information that you get that was important to me.

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Speaker 4: You actually get the health of the person donating their

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Speaker 4: immediate family as well.

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Speaker 2: Oh that's so perfect.

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Speaker 4: So any type of illnesses or conditions that they have

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Speaker 4: is kind of listed, which is really interesting.

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Speaker 2: So also so controlled, Like so many people don't even

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Speaker 2: get that with the person that they literally have picked

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Speaker 2: to have a child with. They like, oh, let's just

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Speaker 2: have a baby, and then later they're like, oh, I

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Speaker 2: didn't know you had health condition.

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Speaker 4: I know, well I've got nothing else to go on,

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Speaker 4: and so I was like, for me, that's the important thing.

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Speaker 4: And then all the other information, like me can get

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Speaker 4: basic information like hair color, eye color. There's some self

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Speaker 4: reporting stuff like how would people describe you? But I

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Speaker 4: was very conscious that with self reporting, you know, how

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Speaker 4: you describe yourself might be very different to how other

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Speaker 4: people describe you. So I was like, no, medical, let's

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Speaker 4: go on the medical and let's then just see the

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Speaker 4: vibe of the rest of them. And that just helped

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Speaker 4: me narrow it down and I picked my donor.

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Speaker 2: Oh that is so cool. I love this. What's the

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Speaker 2: next step in the process. So you pick your donor,

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Speaker 2: you have to go through an IVF process, Like, yeah.

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Speaker 4: It actually all up took me a year to go

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Speaker 4: through this whole process, but that was a lot just

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Speaker 4: with me and me taking my time to go through

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Speaker 4: everything and keep saving money. You can actually go through

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Speaker 4: it much quicker if the donor is available now since COVID.

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Speaker 4: It might be tricky because there's less donor recruitment since COVID.

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Speaker 2: I think, yeah, okay, And when you say the year

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Speaker 2: is that from you starting the journey to falling pregnant

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Speaker 2: or is that you starting the journey to having a

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Speaker 2: baby falling pregnant.

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Speaker 4: My first appointment was in January, and then I decided

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Speaker 4: to officially start the whole IVF process the following January.

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Speaker 2: Yeah cool, Oh my god.

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Speaker 4: So I had a whole year of like doing tests

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Speaker 4: and seeing everything is and picking the donor and saving

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Speaker 4: my money. And then also an important consideration which I'm

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Speaker 4: sure anyone who has gone through IVF would know, but

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Speaker 4: when you are looking at your funds, it's so expensive.

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Speaker 4: And I had to really sit with myself and go, Okay,

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Speaker 4: how many rounds can I do? Because you know, I'm

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Speaker 4: going through IVF, not because I think I have fertility.

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Speaker 2: Issues, but because that's how I'm going to get pregnant.

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Speaker 4: Yeah, one hundred percent. And I can see how you

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Speaker 4: go through this process and it's not successful. You go, Okay,

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Speaker 4: well I'm going to try again. But it's good to

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Speaker 4: have kind of a cap in mind of how much

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Speaker 4: money you have available for this, because you could get

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Speaker 4: yourself into debt so easily just keeping on going and

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Speaker 4: going and going.

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Speaker 2: It's one of those things that is quite interesting as well,

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Speaker 2: because as women, we've spent a majority of our lives

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Speaker 2: trying not to get pregnant, and then all of a

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Speaker 2: sudden you're going down this route of IVF and it's

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Speaker 2: not because you were struggling to fall pregnant. It was

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Speaker 2: because that's the route that you've decided to take. And

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Speaker 2: you're like, well, I don't know if it's going to

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Speaker 2: be a one and done the situation, or if I'm

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Speaker 2: going to go through this process. And my body doesn't

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Speaker 2: want to do this with me in the way that

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Speaker 2: I want to do it with it. So it's just

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Speaker 2: that would be really stressful when it comes to finances.

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Speaker 2: So how much did it cost you?

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Speaker 4: So I ended up having to do two egg collections

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Speaker 4: and I was very lucky. My first transfer worked.

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Speaker 2: Oh I got a sticky baby from the stud No,

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Speaker 2: that's so special.

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Speaker 4: It's very good. So all up, it cost me about

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Speaker 4: thirty five thousand dollars. I did get some back from Medicare,

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Speaker 4: and I think I was out of pocket about twenty

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Speaker 4: three thousand dollars.

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Speaker 2: Hey, that's pretty good. That's a lot. And I won't

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Speaker 2: say cheaper because it's still a lot of money. But

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Speaker 2: it's not as bad as I thought it would be.

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Speaker 2: I don't know why, but I just thought it would

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Speaker 2: be way more expensive because like the egg collection rounds,

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Speaker 2: like in Australia can be anywhere from six thousand to

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Speaker 2: ten thousand dollars around, Like that's quite expensive.

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Speaker 4: And then do you get some of that medicare rebate back?

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Speaker 2: Yeah, and that's important. So then once you've done your

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Speaker 2: egg collections, then is it the fertility clinic that you

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Speaker 2: did the egg collections that managed the donusperm and kind

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Speaker 2: of made a little embryo.

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Speaker 4: Absolutely. Yes, it's all in house, which makes it easier.

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Speaker 2: Oh and then they made your little m baby and

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Speaker 2: then you had a transferred day and got your little

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Speaker 2: m baby and then they were sticky, and.

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Speaker 4: Then you have an anxious two week wait while you're like,

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Speaker 4: oh my gosh, analyzing everything in your body.

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Speaker 2: Yeah. Absolutely, and I'm sure that you were stressed out

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Speaker 2: of your brain one, because that's a stressful process irrespective

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Speaker 2: of the financials, right, Like that's so scary because the

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Speaker 2: second you have it transferred, you're like, well, I'm pregnant

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Speaker 2: until proven otherwise, aren't I.

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Speaker 4: And then you're trying not to stress because you know

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Speaker 4: what's stressed us to the body, but it's so hard

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Speaker 4: not to.

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Speaker 2: Oh, I'm so glad that it worked the first round

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Speaker 2: for you.

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Speaker 4: Know, I was very lucky that first transfer because you

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Speaker 4: can hear it, you can take a while. And the

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Speaker 4: other thing I was going to say, obviously, being doing

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Speaker 4: this on my own, I have to go through a

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Speaker 4: private clinic. But now if you are in a couple

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Speaker 4: or you have a known donor, you can actually do

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Speaker 4: it through the public system and it will only cost

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Speaker 4: you one thousand dollars. What It's a massive, massive difference.

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Speaker 2: Oh my god. I mean, I'm glad that you got

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Speaker 2: the care and that you were able to kind of

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Speaker 2: like shop around and get the fertility expert that you

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Speaker 2: felt super comfortable, like, and I mean that's the cost

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Speaker 2: of private healthcare, right, Like that's the benefit. But at

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Speaker 2: the same time, like knowing that that's so much more

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Speaker 2: financially viable. Oh, I love that.

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Speaker 4: I know it's a little bit of a sting, but

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Speaker 4: at the end of the day, I have a beautiful

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Speaker 4: little baby, so I can't complain.

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Speaker 2: Oh, I'm so excited. I adore that for you. So

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Speaker 2: I need to know more because this episode, I think

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Speaker 2: is such a good lesson for a lot of people

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Speaker 2: in our community that you can actually have kids on

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Speaker 2: your own and make it work. So I need to

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Speaker 2: know more about this situation, Like a lot of people

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Speaker 2: might go, I need to earn millions to be able

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Speaker 2: to do that on my own. But what do you

387
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Speaker 2: do for work? How much money do you earn?

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Speaker 4: So I work in a not for profit sector and

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Speaker 4: I work with young people who live in residential care

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Speaker 4: essentially if that just means that they don't live at

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Speaker 4: home with their parents. And I work part time at

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Speaker 4: the moment.

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Speaker 2: Is that because you have a baby.

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Speaker 4: Yes, I was working full time. Yeah, so full time.

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Speaker 4: I was earning about I think it was ninety eight

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Speaker 4: thousand and part time. Now I'm earning sixty.

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Speaker 2: Five Oh okay, that's very nice. So you we've gone

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Speaker 2: from ninety eight k to sixty five K. I have

399
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Speaker 2: to ask all the pervy stuff. I'm so sorry. So

400
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Speaker 2: sixty five K. How many days a week are you doing?

401
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Speaker 4: Three days?

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Speaker 2: So three days? And then you're singles. It's not like

403
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Speaker 2: there's somebody at home looking after baby. What does care

404
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Speaker 2: look like?

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Speaker 4: So he goes into daycare three days a week?

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Speaker 2: Yeah, very cool? And what type of cost does that

407
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Speaker 2: mean for you?

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Speaker 4: It is expensive? The daycare itself is about one hundred

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Speaker 4: and eighty dollars a day.

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Speaker 2: Oh my gosh, it's insane, isn't it crazy?

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Speaker 4: That obviously, thank god I get a subsidy and so

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Speaker 4: I actually pay about I think it's forty five a day.

413
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Speaker 2: Oh okay, so like forty five bucks a day. It

414
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Speaker 2: comes out in the wash week. It's an episode recently

415
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Speaker 2: on daycare and like what it costs, because I think

416
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Speaker 2: one thing that people don't realize is that you pay

417
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Speaker 2: out of pocket and then you get a rebate as

418
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Speaker 2: opposed to you know, it just being forty five bucks

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Speaker 2: a day, which a lot of people are like, oh,

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Speaker 2: that's reasonable, but you actually have to have that one

421
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Speaker 2: hundred and eighty dollars in your bank account to pay

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Speaker 2: in advance, which is really ick to me.

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Speaker 4: I know, I know.

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Speaker 2: Has that changed how you've managed your cash flow?

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Speaker 4: You know what? I think it probably hasn't. I think

426
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Speaker 4: it's so I use credit cards to help me with

427
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Speaker 4: my cash flow, and I'm a big pointscal so I

428
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Speaker 4: like to maximize as many points as I can. The

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Speaker 4: last couple of international trips I've done have all been

430
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Speaker 4: on points, so it really works for me. I don't

431
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Speaker 4: think I would be able to travel otherwise, if I'm

432
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Speaker 4: being honest, because it is tough now for the little one,

433
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Speaker 4: and he's about to turn two and in a couple

434
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Speaker 4: of months, so now I'm gonna have to start paying for

435
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Speaker 4: him or.

436
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Speaker 2: You're about to run out of free travel.

437
00:20:07,600 --> 00:20:10,120
Speaker 4: For him, I know, So that's a big thing.

438
00:20:10,320 --> 00:20:15,720
Speaker 2: Sorry to remind you. Under two, they travel for free.

439
00:20:16,040 --> 00:20:18,280
Speaker 4: I just booked it like we're going away next year,

440
00:20:18,560 --> 00:20:20,560
Speaker 4: and I booked us all on points. So I was like,

441
00:20:20,600 --> 00:20:23,040
Speaker 4: thank God for points because that really does help me.

442
00:20:23,119 --> 00:20:24,760
Speaker 4: I put all of my big stuff on credit cards.

443
00:20:24,760 --> 00:20:27,320
Speaker 4: But I at the start of the year. It's the

444
00:20:27,359 --> 00:20:30,040
Speaker 4: first time I heard credit cards for like, you know,

445
00:20:30,359 --> 00:20:34,320
Speaker 4: ten fifteen years, and because I have gone from full

446
00:20:34,320 --> 00:20:37,000
Speaker 4: time to part time work at the start of the year.

447
00:20:37,080 --> 00:20:38,800
Speaker 4: It was just after I have a whole bunch of

448
00:20:38,880 --> 00:20:40,240
Speaker 4: bills at the end of the year, like all my

449
00:20:40,280 --> 00:20:44,639
Speaker 4: car REGI and insurances you think Christmas, and so normally

450
00:20:44,640 --> 00:20:46,600
Speaker 4: I'm fine when I'm working full time. It this is

451
00:20:46,600 --> 00:20:49,200
Speaker 4: the first year I'm working part time and I got

452
00:20:49,400 --> 00:20:52,600
Speaker 4: The first four months of the year were really scary

453
00:20:52,680 --> 00:20:54,920
Speaker 4: for me because I could not pay off my credit

454
00:20:54,920 --> 00:20:57,399
Speaker 4: card balance in full, which is normally something that I

455
00:20:57,440 --> 00:20:59,919
Speaker 4: can do, and so I was starting to go on,

456
00:21:00,040 --> 00:21:02,920
Speaker 4: I got, okay, I'm not managing my cash for very well.

457
00:21:03,000 --> 00:21:06,040
Speaker 4: Something is happening. I'm spending more than I'm earning, which

458
00:21:06,040 --> 00:21:08,600
Speaker 4: I don't normally do. What's happening And I kind of

459
00:21:08,600 --> 00:21:12,160
Speaker 4: had to really relook at it because I think when

460
00:21:12,160 --> 00:21:15,080
Speaker 4: I was saving up for IVF, I was so good.

461
00:21:15,119 --> 00:21:16,879
Speaker 4: I had that money goal, so I knew what I

462
00:21:16,960 --> 00:21:19,720
Speaker 4: was saving for as I was working through that year,

463
00:21:19,760 --> 00:21:23,360
Speaker 4: and I already had some money saved away. But after IVF,

464
00:21:23,359 --> 00:21:25,240
Speaker 4: I utilized a lot of my funds and I also

465
00:21:25,280 --> 00:21:27,960
Speaker 4: bought a brand new car because a baby. My old

466
00:21:28,000 --> 00:21:30,560
Speaker 4: car was very, very old and I didn't want to

467
00:21:30,560 --> 00:21:32,119
Speaker 4: break down on the side of the road, and it

468
00:21:32,160 --> 00:21:34,520
Speaker 4: was in COVID and all the secondhand cars were so

469
00:21:34,560 --> 00:21:35,520
Speaker 4: stupidly expensive.

470
00:21:35,600 --> 00:21:37,680
Speaker 2: Oh they were. Yeah, So I bought a brand.

471
00:21:37,480 --> 00:21:39,600
Speaker 4: New car, which is not my intention, but I did it.

472
00:21:39,600 --> 00:21:43,520
Speaker 2: But also at that time that made the most sense financially, genuinely.

473
00:21:43,119 --> 00:21:45,399
Speaker 4: Absolutely, and I paid it out in full because I

474
00:21:45,440 --> 00:21:46,560
Speaker 4: had saved that much money.

475
00:21:46,840 --> 00:21:48,439
Speaker 2: Iconic, Sorry, that's iconic.

476
00:21:50,119 --> 00:21:52,440
Speaker 4: I was thinking about taking out a loan, but then

477
00:21:52,480 --> 00:21:54,760
Speaker 4: I just looked at the interest I would eventually pay

478
00:21:54,800 --> 00:21:57,840
Speaker 4: back on it, and I thought, ill, no, I got

479
00:21:57,840 --> 00:22:00,320
Speaker 4: the money, I think I should do this. But then

480
00:22:00,359 --> 00:22:03,080
Speaker 4: it's just left me feeling a bit more vulnerable because

481
00:22:03,320 --> 00:22:07,800
Speaker 4: I decimated my savings and I don't have that fallback anymore.

482
00:22:08,240 --> 00:22:10,720
Speaker 4: And I had an emergency fund. But when I start

483
00:22:10,760 --> 00:22:12,919
Speaker 4: of the year, when I couldn't pay back my credit cards,

484
00:22:13,000 --> 00:22:14,840
Speaker 4: I used all of my emergency fund and it wasn't

485
00:22:14,960 --> 00:22:17,280
Speaker 4: enough because I was still building it up. And so

486
00:22:17,320 --> 00:22:20,320
Speaker 4: I just put myself in a really funny place where

487
00:22:20,320 --> 00:22:22,960
Speaker 4: I felt very, very scared and just a little bit

488
00:22:23,119 --> 00:22:25,200
Speaker 4: anxious about my financial situation.

489
00:22:25,280 --> 00:22:28,400
Speaker 2: I guess I'm really proud of the reflection you're doing

490
00:22:28,400 --> 00:22:31,240
Speaker 2: on this though, Like you were so aware throughout all

491
00:22:31,280 --> 00:22:34,439
Speaker 2: of that. That's really cool. Like a lot of people

492
00:22:34,680 --> 00:22:36,600
Speaker 2: would have buried their head in the sand, but you're like, Nope,

493
00:22:36,600 --> 00:22:37,800
Speaker 2: I'm going to make it work. This is what I'm

494
00:22:37,800 --> 00:22:39,080
Speaker 2: going to do. This is how I'm going to do it.

495
00:22:39,160 --> 00:22:41,960
Speaker 2: Like so many people get to that point and it's

496
00:22:42,040 --> 00:22:44,400
Speaker 2: kind of like a fork in the road and they

497
00:22:44,480 --> 00:22:46,600
Speaker 2: can either do what you did and like take charge

498
00:22:46,640 --> 00:22:48,000
Speaker 2: of it and go because this is actually a really

499
00:22:48,040 --> 00:22:49,840
Speaker 2: scary position to be in and they don't really want

500
00:22:49,840 --> 00:22:51,479
Speaker 2: to be here and I'm going to do something about it.

501
00:22:52,119 --> 00:22:54,400
Speaker 2: Or people go down the other fork and they bury

502
00:22:54,400 --> 00:22:55,840
Speaker 2: their heads in the sand and be like, all right, well,

503
00:22:55,840 --> 00:22:57,200
Speaker 2: I'm just going to ignore the credit card for a

504
00:22:57,240 --> 00:22:59,560
Speaker 2: couple of months, and I'm just going to keep building

505
00:22:59,560 --> 00:23:01,439
Speaker 2: my emergence, your fund and keep on track. And that

506
00:23:01,800 --> 00:23:05,119
Speaker 2: actually puts you further behind. And so I love the

507
00:23:05,160 --> 00:23:07,600
Speaker 2: way you're talking about it as well, because it's just

508
00:23:07,720 --> 00:23:09,160
Speaker 2: it feels so open.

509
00:23:09,119 --> 00:23:13,000
Speaker 4: Yeah, like I do. For me, you know, there's obviously

510
00:23:13,040 --> 00:23:15,120
Speaker 4: a lot of issues with credit cards, but I normally

511
00:23:16,040 --> 00:23:17,840
Speaker 4: felt that, you know, I was able to keep on

512
00:23:17,880 --> 00:23:19,359
Speaker 4: top of it as long as I could pay it

513
00:23:19,400 --> 00:23:22,640
Speaker 4: off each month. And it's just that first instance where

514
00:23:22,680 --> 00:23:24,160
Speaker 4: I couldn't do it for a couple of months really

515
00:23:24,200 --> 00:23:26,200
Speaker 4: freaked me out. I can see how you can easily

516
00:23:26,400 --> 00:23:27,840
Speaker 4: end up in debt.

517
00:23:27,600 --> 00:23:32,000
Speaker 2: That way spirally, right, Yeah, And it's so easy to do.

518
00:23:32,080 --> 00:23:33,520
Speaker 2: And I mean, no one gets a credit card with

519
00:23:33,560 --> 00:23:35,720
Speaker 2: the intention of getting into debt and staying in debt.

520
00:23:35,800 --> 00:23:37,720
Speaker 2: Like you get a credit card to help with cash

521
00:23:37,720 --> 00:23:40,960
Speaker 2: flow or to help you build something. And I think

522
00:23:40,960 --> 00:23:44,160
Speaker 2: that it's just so important to just stay stay woke.

523
00:23:44,359 --> 00:23:46,880
Speaker 2: I suppose stay aware of what's going on.

524
00:23:47,119 --> 00:23:50,000
Speaker 4: It's because I go for the cards that have points.

525
00:23:50,320 --> 00:23:53,280
Speaker 4: They're often the cards that also have a higher interest rate,

526
00:23:53,800 --> 00:23:56,880
Speaker 4: which doesn't normally impact me because I pay my credit off.

527
00:23:56,920 --> 00:23:58,840
Speaker 3: But when you don't, Yeah.

528
00:23:58,800 --> 00:24:02,159
Speaker 2: You're like, oh no, so money, Do tell me a

529
00:24:02,160 --> 00:24:04,080
Speaker 2: bit more. You obviously had the big money goal of

530
00:24:04,119 --> 00:24:06,159
Speaker 2: saving up and paying for IVF, and then you got

531
00:24:06,160 --> 00:24:08,480
Speaker 2: a car. What are your big money goals now? What

532
00:24:08,520 --> 00:24:09,880
Speaker 2: are we currently working towards?

533
00:24:10,000 --> 00:24:12,760
Speaker 4: You know what? I think this is probably one of

534
00:24:12,800 --> 00:24:15,800
Speaker 4: my big issues now is I had such a big

535
00:24:15,960 --> 00:24:19,280
Speaker 4: savings goal and then when my little boy came along,

536
00:24:19,400 --> 00:24:21,600
Speaker 4: that just felt like such a big achievement for me.

537
00:24:21,880 --> 00:24:23,680
Speaker 4: And I, you know, was working part time or I

538
00:24:23,720 --> 00:24:25,159
Speaker 4: wasn't working for a while and then went back to

539
00:24:25,400 --> 00:24:29,040
Speaker 4: working part time. And I don't think I've really replaced

540
00:24:29,040 --> 00:24:31,400
Speaker 4: it with another goal. And I do think that has

541
00:24:31,920 --> 00:24:35,919
Speaker 4: really impacted my savings. Like how on top of it,

542
00:24:35,960 --> 00:24:39,800
Speaker 4: I am? Yeah, I just and then COVID, you know,

543
00:24:39,880 --> 00:24:42,320
Speaker 4: all of these different things, all the cost of living stuff.

544
00:24:42,359 --> 00:24:45,879
Speaker 4: I just feel like it's kind of just put me

545
00:24:45,920 --> 00:24:47,480
Speaker 4: in a place where I felt like I was on

546
00:24:47,520 --> 00:24:49,320
Speaker 4: such a high I'm on the roller coaster, you know,

547
00:24:49,359 --> 00:24:50,280
Speaker 4: and I'm kind of you.

548
00:24:50,359 --> 00:24:53,040
Speaker 2: Know, one hundred percent, but you're also not giving yourself credit.

549
00:24:53,040 --> 00:24:56,440
Speaker 2: You've gone from earning ninety eight grand to sixty five thousand,

550
00:24:56,520 --> 00:24:59,440
Speaker 2: and yes, there's like a beautiful trade off here where

551
00:24:59,520 --> 00:25:02,400
Speaker 2: you're getting to work part time, but like there's less

552
00:25:02,440 --> 00:25:05,080
Speaker 2: cash coming in the door, like there's less that you

553
00:25:05,119 --> 00:25:06,360
Speaker 2: can actually do.

554
00:25:06,359 --> 00:25:09,320
Speaker 4: It is, and everything's gone expensive. I think, yeah, you know,

555
00:25:09,359 --> 00:25:11,320
Speaker 4: when I think about maybe what I was spending on

556
00:25:11,440 --> 00:25:14,840
Speaker 4: groceries before, it is one hundred percent doubled, if not more.

557
00:25:14,920 --> 00:25:17,520
Speaker 2: A two year old, it's a lot of berries.

558
00:25:18,280 --> 00:25:21,440
Speaker 4: I think I need to really think about what goal

559
00:25:21,560 --> 00:25:23,720
Speaker 4: I want to have, because that does make it a

560
00:25:23,800 --> 00:25:26,800
Speaker 4: difference for when you have that in your mindset, and

561
00:25:26,840 --> 00:25:28,560
Speaker 4: it can work towards it.

562
00:25:28,400 --> 00:25:31,439
Speaker 2: To motivation one hundred percent, and you can easily compromise,

563
00:25:31,840 --> 00:25:34,080
Speaker 2: Like if it comes to spending, you know, fifty dollars

564
00:25:34,080 --> 00:25:36,199
Speaker 2: on something, you're like, no, it really, I'm gonna have

565
00:25:36,240 --> 00:25:38,680
Speaker 2: a baby, Like I don't even need it. And now

566
00:25:38,680 --> 00:25:40,560
Speaker 2: you're kind of like, what am I working towards? I

567
00:25:40,560 --> 00:25:43,560
Speaker 2: don't it may as well spend the fifty Yeah, yeah, oh,

568
00:25:43,640 --> 00:25:45,600
Speaker 2: I totally get it and if you've got a plan

569
00:25:45,640 --> 00:25:47,359
Speaker 2: to get it back on track, like you're going to

570
00:25:47,400 --> 00:25:50,520
Speaker 2: sit down and maybe visualize what's going on or is

571
00:25:50,560 --> 00:25:52,199
Speaker 2: that something that you're like, oh it, do all come

572
00:25:52,280 --> 00:25:53,080
Speaker 2: up when it comes up.

573
00:25:53,160 --> 00:25:56,000
Speaker 4: The when I was saving before, I used to use pocketbook,

574
00:25:56,240 --> 00:25:57,320
Speaker 4: you know, the ant pocketbook.

575
00:25:57,359 --> 00:25:58,800
Speaker 2: Yeah, one hundred percent, And that was.

576
00:25:58,760 --> 00:26:02,560
Speaker 4: So helpful because I could categorize everything and I was

577
00:26:03,240 --> 00:26:05,440
Speaker 4: tracking my spend because I had that goal in mind.

578
00:26:05,480 --> 00:26:07,320
Speaker 4: So I was like, yeah, I'm on this. And then

579
00:26:07,359 --> 00:26:11,000
Speaker 4: after I had my baby and Pocketbook ended, it stopped

580
00:26:11,440 --> 00:26:12,399
Speaker 4: and so you can't use that.

581
00:26:12,520 --> 00:26:14,240
Speaker 2: Yeah, I was really disappointed.

582
00:26:14,440 --> 00:26:17,000
Speaker 4: It was such a good app I loved it, and

583
00:26:17,040 --> 00:26:18,879
Speaker 4: I think since then, I haven't been as good at

584
00:26:18,880 --> 00:26:21,959
Speaker 4: tracking my spend. I'm conscious about my money. I'm not

585
00:26:22,200 --> 00:26:25,560
Speaker 4: spending it Willy Nelly, but I couldn't tell you exactly

586
00:26:25,600 --> 00:26:28,280
Speaker 4: now how much money I'm spending on my groceries, on

587
00:26:28,320 --> 00:26:31,719
Speaker 4: my petrol each month. And I think that's something I

588
00:26:31,800 --> 00:26:33,200
Speaker 4: now need to go and revisit.

589
00:26:33,520 --> 00:26:37,240
Speaker 2: Yeah. No, that makes absolute sense. And it's kind of

590
00:26:37,240 --> 00:26:39,119
Speaker 2: good that you're in that limbo because I feel like

591
00:26:39,160 --> 00:26:41,240
Speaker 2: that's really relatable. I want you to get out of it,

592
00:26:41,320 --> 00:26:43,040
Speaker 2: but like lots of people be like, oh my god,

593
00:26:43,080 --> 00:26:45,320
Speaker 2: I know me too, Like I just don't know what

594
00:26:45,320 --> 00:26:46,879
Speaker 2: I want. Do I want to buy property? Do I

595
00:26:46,920 --> 00:26:48,320
Speaker 2: want to go on a be collar, Like I just

596
00:26:48,359 --> 00:26:48,760
Speaker 2: don't know.

597
00:26:49,520 --> 00:26:52,959
Speaker 4: Property is of course a goal, but it just seems

598
00:26:53,040 --> 00:26:54,080
Speaker 4: so out of reach for me.

599
00:26:54,520 --> 00:26:58,000
Speaker 2: Life is currently a season, right, Like and having a

600
00:26:58,000 --> 00:27:01,720
Speaker 2: small child it's a funny period of your life, right

601
00:27:01,760 --> 00:27:04,080
Speaker 2: because it's such a privilege to have a small kid,

602
00:27:04,160 --> 00:27:06,480
Speaker 2: but they're so bloody expensive and you're in that limbo

603
00:27:06,520 --> 00:27:09,840
Speaker 2: of paying daycare and paying for everything, and life is

604
00:27:09,840 --> 00:27:12,560
Speaker 2: going to get cheaper once they're at school, yeah, and

605
00:27:12,600 --> 00:27:14,720
Speaker 2: then it's probably going to get more expensive when he

606
00:27:14,800 --> 00:27:18,480
Speaker 2: decides to get some expensive teenage hobbies and then maybe

607
00:27:18,480 --> 00:27:21,840
Speaker 2: he wants to do after school care like activities and

608
00:27:21,880 --> 00:27:24,800
Speaker 2: like life ebbs and flows, right, But I think that

609
00:27:24,960 --> 00:27:28,040
Speaker 2: sometimes we need to just remember that these things are seasonal,

610
00:27:28,359 --> 00:27:31,639
Speaker 2: Like right now, daycare is actually not forever. It's probably

611
00:27:31,640 --> 00:27:33,479
Speaker 2: for another couple of years, and then kinder is going

612
00:27:33,520 --> 00:27:36,000
Speaker 2: to happen and things are going to get significantly cheaper.

613
00:27:36,080 --> 00:27:37,880
Speaker 4: I think I'm going to go back to work full

614
00:27:37,880 --> 00:27:40,320
Speaker 4: time next year anyway, so that will help too.

615
00:27:40,520 --> 00:27:45,360
Speaker 2: So that's so exciting exactly, so ebbs and it flows,

616
00:27:45,480 --> 00:27:48,080
Speaker 2: and like our money goals have to flex with that,

617
00:27:48,280 --> 00:27:51,600
Speaker 2: because you can't go from earning basically one hundred thousand

618
00:27:51,600 --> 00:27:55,359
Speaker 2: dollars down to sixty five and expect that you're able

619
00:27:55,400 --> 00:27:58,879
Speaker 2: to allocate the same amounts to your savings goals. But

620
00:27:58,960 --> 00:28:02,840
Speaker 2: if you then let that feel disenchanting or you let

621
00:28:02,920 --> 00:28:04,560
Speaker 2: that make you go, oh, I used to be so

622
00:28:04,640 --> 00:28:06,440
Speaker 2: good at this, Like, can we look at the bigger

623
00:28:06,480 --> 00:28:08,440
Speaker 2: picture for a hot second, Because you had like another

624
00:28:08,440 --> 00:28:11,000
Speaker 2: forty grand to play with during those years, my friend, Like,

625
00:28:11,040 --> 00:28:13,840
Speaker 2: you had so much to play with, and also you

626
00:28:13,960 --> 00:28:17,000
Speaker 2: didn't have the responsibility that you have now, Like there

627
00:28:17,080 --> 00:28:20,040
Speaker 2: wasn't a tiny human demanding your attention. There wasn't a

628
00:28:20,080 --> 00:28:23,280
Speaker 2: tiny human that needed you to spend double on your

629
00:28:23,320 --> 00:28:27,000
Speaker 2: grocery bills. Like it was easier then, and there's a

630
00:28:27,000 --> 00:28:28,200
Speaker 2: lot of reason for it.

631
00:28:29,359 --> 00:28:31,520
Speaker 4: I need to keep there. He's in his fussy phase,

632
00:28:31,640 --> 00:28:33,320
Speaker 4: so it's not like he's eating much anyway.

633
00:28:33,920 --> 00:28:39,200
Speaker 2: Oh well, funny win, money win. I love that I'm

634
00:28:39,240 --> 00:28:41,760
Speaker 2: currently in that golden season where I have a seven

635
00:28:41,760 --> 00:28:44,720
Speaker 2: month old who's only discovering food, So we'll eat anything

636
00:28:44,760 --> 00:28:46,080
Speaker 2: that I've put in front of him.

637
00:28:46,160 --> 00:28:48,040
Speaker 4: Yeah, that's a nice phase. Enjoy that one.

638
00:28:48,320 --> 00:28:50,920
Speaker 2: Yeah, yeah, yeah, And like I'm acutely aware that this

639
00:28:51,040 --> 00:28:53,200
Speaker 2: is going to change, but i am live love laughing

640
00:28:53,320 --> 00:28:57,240
Speaker 2: right now, my friend. I'm like, oh, mushrooms, you eat mushrooms.

641
00:28:57,360 --> 00:29:00,720
Speaker 2: Sleigh goodness. All right, let's go to a really quick

642
00:29:00,760 --> 00:29:04,120
Speaker 2: break on the flip side. I have a lot of questions,

643
00:29:04,160 --> 00:29:10,520
Speaker 2: so guys, don't go anywhere money, Darius do. We are

644
00:29:10,560 --> 00:29:13,760
Speaker 2: back and I'm learning so much about how you have

645
00:29:13,840 --> 00:29:16,200
Speaker 2: proven that you can have kids on your own and

646
00:29:16,280 --> 00:29:18,560
Speaker 2: make it work, which I think is just so special.

647
00:29:18,920 --> 00:29:21,400
Speaker 2: But I want to know have you thought about investing,

648
00:29:21,640 --> 00:29:23,920
Speaker 2: What does that look like? Do you invest? If so, how,

649
00:29:24,040 --> 00:29:25,240
Speaker 2: if not, do you have a plan?

650
00:29:25,480 --> 00:29:30,920
Speaker 4: I do thank you to this podcast because oh, really, absolutely.

651
00:29:30,240 --> 00:29:31,480
Speaker 2: That's so special.

652
00:29:31,960 --> 00:29:34,880
Speaker 4: I mean, of course I've got superannuation, so that was

653
00:29:34,920 --> 00:29:39,160
Speaker 4: always there, but definitely, you know, from listening to this podcast,

654
00:29:39,240 --> 00:29:43,200
Speaker 4: it just made the world of investing seem possible and

655
00:29:43,280 --> 00:29:45,760
Speaker 4: doable and something that wasn't to be feared.

656
00:29:46,040 --> 00:29:46,560
Speaker 2: I love that.

657
00:29:46,800 --> 00:29:50,040
Speaker 4: Yeah. I started out small, and I got myself a

658
00:29:50,160 --> 00:29:55,560
Speaker 4: raise and a spaceship portfolio, and I started playing around

659
00:29:55,560 --> 00:30:00,760
Speaker 4: with those and then I think they started to introduce fees.

660
00:30:01,440 --> 00:30:04,200
Speaker 2: Remember when it was free. Yeah, you've been around a while,

661
00:30:04,280 --> 00:30:06,800
Speaker 2: my friend, you are proving yourself. I love this.

662
00:30:07,080 --> 00:30:08,600
Speaker 4: And so when they did that, I thought, okay, I

663
00:30:08,600 --> 00:30:11,000
Speaker 4: don't need both because they're doing the same purpose in

664
00:30:11,040 --> 00:30:13,440
Speaker 4: my mind, and so I just kind of looked at them,

665
00:30:14,040 --> 00:30:16,880
Speaker 4: thought which ones performing better, and Spaceship was performing better

666
00:30:16,920 --> 00:30:19,120
Speaker 4: for me. So then I.

667
00:30:18,480 --> 00:30:19,920
Speaker 2: Just went all in on one.

668
00:30:19,880 --> 00:30:21,680
Speaker 4: Went fall in. Yes, So I just transferred the money

669
00:30:21,720 --> 00:30:25,360
Speaker 4: from Raise into Well actually, so I kept Spaceship and

670
00:30:25,400 --> 00:30:27,760
Speaker 4: then I had the Raise money and I thought, well,

671
00:30:27,840 --> 00:30:30,400
Speaker 4: let's play around the different platform just to see, and

672
00:30:30,440 --> 00:30:32,360
Speaker 4: so I got self Wealth because I figured that was

673
00:30:32,400 --> 00:30:34,720
Speaker 4: a bit different. But I have to be honest, I

674
00:30:34,720 --> 00:30:37,280
Speaker 4: don't love Self Wealth, so that's okay.

675
00:30:37,520 --> 00:30:40,000
Speaker 2: It is a bit more of a complex platform, Like

676
00:30:40,080 --> 00:30:43,080
Speaker 2: it definitely doesn't have like if you're looking at and

677
00:30:43,080 --> 00:30:46,280
Speaker 2: this is just like pragmatically not advice, not anything. I

678
00:30:46,280 --> 00:30:48,080
Speaker 2: always have to say that, but like if you look

679
00:30:48,120 --> 00:30:51,080
Speaker 2: at the user interfaces of Rays and then Spaceship, they're

680
00:30:51,120 --> 00:30:54,080
Speaker 2: just really easier to understand. They're on your phone, they

681
00:30:54,120 --> 00:30:57,840
Speaker 2: are apps. They make things very simple, whereas Self Wealth

682
00:30:58,240 --> 00:31:01,480
Speaker 2: one it has like in investing minimum, So you have

683
00:31:01,480 --> 00:31:03,120
Speaker 2: to have a minimum of five hundred dollars to join

684
00:31:03,160 --> 00:31:05,520
Speaker 2: that platform, which is fine because that's actually quite normal

685
00:31:05,720 --> 00:31:08,160
Speaker 2: for people who want that. But it is, I would say,

686
00:31:08,320 --> 00:31:10,440
Speaker 2: a bit more of a techy platform, like it has

687
00:31:10,480 --> 00:31:12,720
Speaker 2: all of the research, it has all the information, but

688
00:31:12,840 --> 00:31:16,400
Speaker 2: you can so see yourself making that big on the

689
00:31:16,480 --> 00:31:19,240
Speaker 2: screen on your desktop and like a finance Bruce sitting

690
00:31:19,280 --> 00:31:20,880
Speaker 2: in the front of it, trading on it. Like it's

691
00:31:20,920 --> 00:31:24,240
Speaker 2: definitely like a more serious investing platform.

692
00:31:24,760 --> 00:31:26,560
Speaker 4: It is. You know, I had to raise money and

693
00:31:26,600 --> 00:31:28,400
Speaker 4: I just I think I had about maybe one thousand

694
00:31:28,480 --> 00:31:30,240
Speaker 4: dollars or something, and so I'd put it in there.

695
00:31:30,720 --> 00:31:32,080
Speaker 4: And then from playing around with that, I was like,

696
00:31:32,120 --> 00:31:34,520
Speaker 4: I really don't like this platform. I find it tricky

697
00:31:34,560 --> 00:31:36,720
Speaker 4: to understand. It's not user friendly, I don't think for

698
00:31:36,760 --> 00:31:38,840
Speaker 4: me anyway. So I thought, oh, let's I'm hearing a

699
00:31:38,840 --> 00:31:40,840
Speaker 4: lot about share zas. Let's try sharesy.

700
00:31:40,960 --> 00:31:43,560
Speaker 2: Oh no you didn't, did you? Actually I do. Oh

701
00:31:43,600 --> 00:31:45,720
Speaker 2: she's a convert. Yeah, I have to say.

702
00:31:45,760 --> 00:31:48,040
Speaker 4: I love it so much better. So now I actually

703
00:31:48,040 --> 00:31:50,840
Speaker 4: need to transfer my what I've got in self well

704
00:31:51,120 --> 00:31:53,560
Speaker 4: over to share s EA's because I much prefer and

705
00:31:53,600 --> 00:31:56,600
Speaker 4: it's easier to keep track of everything just see what

706
00:31:56,640 --> 00:31:57,320
Speaker 4: my money's doing.

707
00:31:57,400 --> 00:31:59,960
Speaker 2: But it's true, right, and like, there's nothing wrong with

708
00:32:00,240 --> 00:32:01,960
Speaker 2: self wealth. There are going to be a lot of

709
00:32:01,960 --> 00:32:03,560
Speaker 2: people listening to this and they're like, oh, I love

710
00:32:03,560 --> 00:32:05,960
Speaker 2: that platform, and that's great, that's fantastic for you. But

711
00:32:06,080 --> 00:32:08,080
Speaker 2: one of the things that is so important to remember

712
00:32:08,120 --> 00:32:11,160
Speaker 2: when investing is that it has to be any experience

713
00:32:11,600 --> 00:32:14,280
Speaker 2: that doesn't cause friction with the way that you work,

714
00:32:14,560 --> 00:32:17,160
Speaker 2: Like it has to be an experience where you find

715
00:32:17,200 --> 00:32:20,200
Speaker 2: it really easy and really easy to understand. And if

716
00:32:20,240 --> 00:32:22,760
Speaker 2: that means having a platform that has a bit of

717
00:32:22,800 --> 00:32:26,000
Speaker 2: a different interface or has a custom app, that's why

718
00:32:26,440 --> 00:32:28,880
Speaker 2: it's so important to not just go with the platform

719
00:32:28,880 --> 00:32:31,240
Speaker 2: that's the cheapest, but also the platform that makes the

720
00:32:31,240 --> 00:32:33,520
Speaker 2: most sense for you, because I can almost guarantee that

721
00:32:34,040 --> 00:32:37,400
Speaker 2: you're changed to Sharess not because they're a better platform.

722
00:32:37,440 --> 00:32:39,480
Speaker 2: I mean I'm obsessed with them, but not because they're

723
00:32:39,480 --> 00:32:41,800
Speaker 2: a better platform, but because you're having a better experience,

724
00:32:41,800 --> 00:32:43,840
Speaker 2: you're going to invest more and you're going to create

725
00:32:43,880 --> 00:32:48,040
Speaker 2: a more secure financial future. Whereas I'm assuming with a kid,

726
00:32:48,280 --> 00:32:51,120
Speaker 2: with things getting tricky, you know, your income dropping to

727
00:32:51,200 --> 00:32:53,200
Speaker 2: sixty five grand. For the short being, you would have

728
00:32:53,240 --> 00:32:54,880
Speaker 2: been like, Oh, I can't be bothered with this whole

729
00:32:54,920 --> 00:32:57,720
Speaker 2: investing thing. It's too complex, Because it's too overwhelming, I'm

730
00:32:57,720 --> 00:32:59,840
Speaker 2: going to just put stop on that for now in

731
00:32:59,840 --> 00:33:02,800
Speaker 2: my head in the sand. Whereas doing something that works

732
00:33:02,840 --> 00:33:05,440
Speaker 2: for you is so important. So I think that's a

733
00:33:05,440 --> 00:33:08,600
Speaker 2: good reminder if you're listening to this and going, oh, yeah,

734
00:33:08,600 --> 00:33:12,080
Speaker 2: I'm finding my investing journey really frictiony. We need to

735
00:33:12,280 --> 00:33:14,600
Speaker 2: find something that works for you as opposed to just

736
00:33:14,800 --> 00:33:16,160
Speaker 2: picking what other people are using.

737
00:33:16,280 --> 00:33:18,240
Speaker 4: Yeah, one hundred percent, I think that's exactly what I'm

738
00:33:18,240 --> 00:33:21,000
Speaker 4: gonna do. I'm gonna transfer the funds from self wealth

739
00:33:21,000 --> 00:33:24,240
Speaker 4: into Chasias because it's just makes most sense to me.

740
00:33:25,000 --> 00:33:28,360
Speaker 2: Oh I love that. So you're an investing queen inside

741
00:33:28,400 --> 00:33:31,920
Speaker 2: and outside of super Have you thought about investing for

742
00:33:32,000 --> 00:33:32,520
Speaker 2: your baby?

743
00:33:32,640 --> 00:33:35,560
Speaker 4: I have, And actually I really need to go back

744
00:33:35,640 --> 00:33:40,080
Speaker 4: to the Investing for Kids podcast because I keep thinking

745
00:33:40,080 --> 00:33:41,760
Speaker 4: about it since I was pregnant with him. I was

746
00:33:41,800 --> 00:33:43,719
Speaker 4: thinking about this and I haven't done anything, so I

747
00:33:43,760 --> 00:33:44,480
Speaker 4: really do need to.

748
00:33:44,800 --> 00:33:46,960
Speaker 2: I was planning my investment plan for my kid way

749
00:33:46,960 --> 00:33:49,560
Speaker 2: before he was even born, way before he even existed,

750
00:33:49,600 --> 00:33:51,000
Speaker 2: way before I met his dad, like.

751
00:33:53,800 --> 00:33:56,800
Speaker 4: Now knowing what it can do, like investing this early

752
00:33:56,880 --> 00:34:00,320
Speaker 4: on for him. And I'm just conscious that I'm a

753
00:34:00,320 --> 00:34:02,560
Speaker 4: single person if I don't ever meet someone and it's

754
00:34:02,680 --> 00:34:04,920
Speaker 4: just me. I want him to be able to get

755
00:34:04,960 --> 00:34:08,080
Speaker 4: to eighteen or twenty and have those funds available for

756
00:34:08,400 --> 00:34:10,200
Speaker 4: university or whatever it might be.

757
00:34:10,400 --> 00:34:12,359
Speaker 2: Ah, he's going to be so well set up. I

758
00:34:12,400 --> 00:34:13,600
Speaker 2: love this so much.

759
00:34:13,440 --> 00:34:15,560
Speaker 4: For you, But yes, I need to look in because

760
00:34:15,560 --> 00:34:18,239
Speaker 4: obviously there's the tax implications there and I just need

761
00:34:18,280 --> 00:34:20,719
Speaker 4: to look again and decide which pathway I want to

762
00:34:20,760 --> 00:34:21,080
Speaker 4: go down.

763
00:34:21,280 --> 00:34:23,799
Speaker 2: Yeah, of course, have you thought about I mean, he's

764
00:34:23,800 --> 00:34:25,680
Speaker 2: true now, so he's not going to comprehend it just yet.

765
00:34:25,719 --> 00:34:27,360
Speaker 2: But you have you thought about how you're going to

766
00:34:27,360 --> 00:34:28,320
Speaker 2: teach him about money?

767
00:34:28,719 --> 00:34:32,160
Speaker 4: M Yeah, that's a great question. I don't know that

768
00:34:32,239 --> 00:34:36,439
Speaker 4: I have fully considered it or kind of thought about

769
00:34:36,440 --> 00:34:38,200
Speaker 4: how I'm going to do it, but I definitely do

770
00:34:38,239 --> 00:34:41,400
Speaker 4: want to make sure that he is educated and knows

771
00:34:41,440 --> 00:34:43,799
Speaker 4: how to budget for things, and it's conscious of what

772
00:34:44,280 --> 00:34:46,919
Speaker 4: money costs. And I'm not quite sure. You know, there's

773
00:34:46,920 --> 00:34:49,719
Speaker 4: so many different things out there where people that the

774
00:34:49,800 --> 00:34:51,759
Speaker 4: kids do chores and earn money or or you know,

775
00:34:51,800 --> 00:34:53,879
Speaker 4: people set up little systems at home where the kid

776
00:34:53,920 --> 00:34:55,279
Speaker 4: has to pay a little bit of rent with their

777
00:34:55,280 --> 00:34:57,080
Speaker 4: pocket money. There's so many ways to do it, and

778
00:34:57,120 --> 00:34:57,799
Speaker 4: I haven't.

779
00:34:57,640 --> 00:34:59,480
Speaker 2: Found the one that works for you. Yeah, I mean,

780
00:34:59,520 --> 00:35:02,480
Speaker 2: he's too You've got so much time. Your money story

781
00:35:02,680 --> 00:35:06,640
Speaker 2: starts to form at seven. You've got time, You've got time.

782
00:35:06,760 --> 00:35:08,960
Speaker 2: But I always find it interesting, right because I obviously

783
00:35:09,000 --> 00:35:11,920
Speaker 2: think about it all the time, and you know, complete

784
00:35:11,960 --> 00:35:15,200
Speaker 2: side note, I obviously write books, and I love writing books.

785
00:35:15,239 --> 00:35:16,960
Speaker 2: My fifth one is about to come out, which is

786
00:35:16,960 --> 00:35:20,040
Speaker 2: insane to me. But I've always said I want to

787
00:35:20,040 --> 00:35:23,000
Speaker 2: write a book to teach people how to teach their

788
00:35:23,080 --> 00:35:25,680
Speaker 2: kids about money. But I don't want to do that

789
00:35:25,800 --> 00:35:28,440
Speaker 2: until I'm a mum and I can go through that myself,

790
00:35:28,480 --> 00:35:32,000
Speaker 2: because nobody wants parenting advice from a non parent, Like,

791
00:35:32,120 --> 00:35:35,839
Speaker 2: let's be honest, can you imagine some young pre I'm

792
00:35:35,840 --> 00:35:38,440
Speaker 2: now in my thirties, but pre thirty year old, going

793
00:35:38,560 --> 00:35:40,520
Speaker 2: this is how you should teach kids about money. I

794
00:35:40,520 --> 00:35:43,200
Speaker 2: don't have any kids. I would have canceled it, so

795
00:35:44,080 --> 00:35:45,880
Speaker 2: I will at some point pull that together.

796
00:35:46,239 --> 00:35:48,400
Speaker 4: But it's interesting because you know, I obviously listen to

797
00:35:48,480 --> 00:35:51,200
Speaker 4: your podcast and I know, you know, you your father

798
00:35:51,560 --> 00:35:54,799
Speaker 4: was in finance and gave you advice and you didn't listen.

799
00:35:54,560 --> 00:35:57,400
Speaker 2: And so why would I listen? What would he know?

800
00:35:58,640 --> 00:35:59,400
Speaker 2: What do parents know?

801
00:36:00,520 --> 00:36:02,680
Speaker 4: How you do it so that it sticks in there?

802
00:36:02,760 --> 00:36:02,960
Speaker 4: You know?

803
00:36:03,320 --> 00:36:05,919
Speaker 2: Yeah? And I think that that's where, you know, it's

804
00:36:05,960 --> 00:36:09,960
Speaker 2: those unconscious narratives that we learn about money that you know,

805
00:36:10,040 --> 00:36:11,759
Speaker 2: even you were sharing with us at the start. You

806
00:36:11,760 --> 00:36:14,920
Speaker 2: were like, you know, there was no particular story that

807
00:36:14,960 --> 00:36:17,840
Speaker 2: you gave us about learning about money from your parents,

808
00:36:17,840 --> 00:36:19,759
Speaker 2: but you were like, but if I lost my hat,

809
00:36:19,800 --> 00:36:22,279
Speaker 2: it wasn't replaceable. But if I lost my jumper, I

810
00:36:22,320 --> 00:36:24,400
Speaker 2: had to make do. And I think that those are

811
00:36:24,400 --> 00:36:27,920
Speaker 2: the things where we have such an opportunity to look

812
00:36:27,960 --> 00:36:30,840
Speaker 2: at the broader way that we refer to purchasing items,

813
00:36:30,920 --> 00:36:33,520
Speaker 2: the bigger story around it, and how we want to

814
00:36:33,560 --> 00:36:36,520
Speaker 2: craft that even the small things about the way we

815
00:36:36,560 --> 00:36:39,960
Speaker 2: speak about money. Are we going to use conversational pieces

816
00:36:40,000 --> 00:36:42,640
Speaker 2: like oh, honey, I'm sorry we can't afford that, or

817
00:36:42,680 --> 00:36:44,279
Speaker 2: are we going to say, well, actually that's just not

818
00:36:44,320 --> 00:36:46,799
Speaker 2: in our budget right now, honey, And like how do

819
00:36:46,880 --> 00:36:49,839
Speaker 2: we frame things? And what does that do to their

820
00:36:50,000 --> 00:36:54,200
Speaker 2: internal monologue about money that helps us go oh, yeah,

821
00:36:54,400 --> 00:36:56,160
Speaker 2: you know, someone might come on my podcast and go,

822
00:36:56,280 --> 00:36:58,719
Speaker 2: we grew up really poor, or they might come on

823
00:36:58,719 --> 00:37:01,200
Speaker 2: my podcast and go, oh, my mum so savvy growing up.

824
00:37:01,800 --> 00:37:04,400
Speaker 2: Like there's just like this narrative that we can actually

825
00:37:04,400 --> 00:37:07,480
Speaker 2: craft ourselves, so irrespective of whether we can invest with

826
00:37:07,520 --> 00:37:10,359
Speaker 2: our kids or not, like, we can actually form their

827
00:37:10,360 --> 00:37:12,480
Speaker 2: money story and we can help them have a healthy

828
00:37:12,520 --> 00:37:14,359
Speaker 2: relationship with it. And I think that there's such a

829
00:37:14,360 --> 00:37:17,880
Speaker 2: misconception around well, if I'm having kids, I need to

830
00:37:17,880 --> 00:37:19,600
Speaker 2: give them pocket money and I just don't have the

831
00:37:19,600 --> 00:37:22,320
Speaker 2: budget for that. You don't need to give them money

832
00:37:22,360 --> 00:37:24,439
Speaker 2: to teach them about it, which I think is so cool.

833
00:37:24,680 --> 00:37:26,880
Speaker 2: But that's a side note because I'm just, as you know,

834
00:37:26,960 --> 00:37:28,279
Speaker 2: wildly passionate about it.

835
00:37:28,600 --> 00:37:30,320
Speaker 4: I'll be waiting for this book, Victoria.

836
00:37:30,480 --> 00:37:33,319
Speaker 2: Oh, I'm writing it for people like you. So so

837
00:37:33,440 --> 00:37:35,600
Speaker 2: you wait. My friend talk to me about debt. Do

838
00:37:35,680 --> 00:37:37,680
Speaker 2: you have any debt? If so, what is it?

839
00:37:37,920 --> 00:37:39,040
Speaker 4: No, so, no major debt.

840
00:37:39,280 --> 00:37:41,919
Speaker 2: The credit card got paid out, Yes it did.

841
00:37:42,280 --> 00:37:43,400
Speaker 4: It was a bit scary, but it did.

842
00:37:43,480 --> 00:37:43,640
Speaker 2: Go.

843
00:37:44,160 --> 00:37:46,000
Speaker 4: I do have money on it right now because I'm

844
00:37:46,040 --> 00:37:49,439
Speaker 4: constantly using it. But I'd say I've probably got maybe

845
00:37:49,480 --> 00:37:52,480
Speaker 4: one thousand dollars on it, so I can pay that

846
00:37:52,520 --> 00:37:55,319
Speaker 4: off next time I get paid. And I pain off

847
00:37:55,360 --> 00:37:57,560
Speaker 4: my heasteat about three years ago, which is a beautiful

848
00:37:57,560 --> 00:37:58,120
Speaker 4: thing to do.

849
00:37:58,360 --> 00:38:02,239
Speaker 2: Okay, Spinner, that's a bit of a flex. Okay, so

850
00:38:02,280 --> 00:38:04,880
Speaker 2: I've got kids and no heck step nice.

851
00:38:05,440 --> 00:38:06,919
Speaker 4: Yeah, so that's good. I major down.

852
00:38:07,040 --> 00:38:08,839
Speaker 2: I love that. Tell me what do you think your

853
00:38:08,840 --> 00:38:09,839
Speaker 2: best money havebit is?

854
00:38:10,040 --> 00:38:13,680
Speaker 4: I think overall, I'm just very conscious of my money.

855
00:38:13,840 --> 00:38:18,680
Speaker 4: So I don't tend to spend things necessarily. And it's

856
00:38:18,719 --> 00:38:21,520
Speaker 4: not to say that I won't buy a luxury item

857
00:38:21,600 --> 00:38:24,080
Speaker 4: here or there or something that I really want, but

858
00:38:24,120 --> 00:38:27,680
Speaker 4: I definitely think most of the times before buying things,

859
00:38:27,680 --> 00:38:30,200
Speaker 4: I try not to buy things on full price if

860
00:38:30,200 --> 00:38:32,080
Speaker 4: I can avoid. I feel like there's always a sale,

861
00:38:32,360 --> 00:38:35,879
Speaker 4: or there's always a discount code, or there's always a marketplace.

862
00:38:35,520 --> 00:38:38,359
Speaker 2: One hundred percent, And that's a very good mentality to have.

863
00:38:38,480 --> 00:38:42,120
Speaker 2: Irrespective like that means you're always going to look for one, yeah, one.

864
00:38:42,080 --> 00:38:45,520
Speaker 4: Hundred percent always, even if it's food, Like there's always like,

865
00:38:45,760 --> 00:38:47,920
Speaker 4: you know, some type of code out there for something.

866
00:38:47,800 --> 00:38:49,479
Speaker 2: One hundred percent. If it's not on sale, it coals

867
00:38:49,480 --> 00:38:52,360
Speaker 2: it's probably on salet wallis like, we need to be

868
00:38:52,480 --> 00:38:54,440
Speaker 2: smart about this, and if it's not on sale, it

869
00:38:54,480 --> 00:38:55,960
Speaker 2: either we are going to Audi.

870
00:38:56,719 --> 00:38:58,600
Speaker 4: I mean I do shove at out in mostly anyway.

871
00:38:59,000 --> 00:39:02,799
Speaker 4: There you go. So yeah, I think that's probably my

872
00:39:02,920 --> 00:39:06,080
Speaker 4: best money Habit just been conscious. I am always on marketplace.

873
00:39:06,120 --> 00:39:08,480
Speaker 4: I'm scouring. I'm a big believer in second hand. And

874
00:39:08,640 --> 00:39:11,799
Speaker 4: before you mentioned, you know, things for babies are expensive.

875
00:39:11,840 --> 00:39:15,600
Speaker 4: I've been so fortunate. So many of my friends you know,

876
00:39:15,680 --> 00:39:19,080
Speaker 4: had children before me and had given me so so much.

877
00:39:19,120 --> 00:39:21,880
Speaker 4: I have not had to buy pretty much anything for

878
00:39:22,080 --> 00:39:23,480
Speaker 4: price or at all.

879
00:39:23,680 --> 00:39:28,520
Speaker 2: I adore that. Now I'm in that sphere. It's actually wild.

880
00:39:28,880 --> 00:39:32,839
Speaker 2: One how much baby stuff costs, but two just how

881
00:39:33,000 --> 00:39:35,239
Speaker 2: little you use it. And I think you've got a

882
00:39:35,320 --> 00:39:38,759
Speaker 2: nearly two year old. Harvey my son, he's seven months

883
00:39:38,800 --> 00:39:42,640
Speaker 2: old now and he is a tiny pudding. So my

884
00:39:42,719 --> 00:39:45,640
Speaker 2: friend Harvey is like eleven kilos at seven months. He

885
00:39:45,800 --> 00:39:49,200
Speaker 2: is massive. He's like on the ninety nine percent.

886
00:39:49,480 --> 00:39:51,160
Speaker 4: I wasn't to say my two year old, isn't it Well,

887
00:39:51,160 --> 00:39:53,600
Speaker 4: he's not quite two, he's twelve and a half kilos.

888
00:39:53,800 --> 00:39:56,919
Speaker 2: There go, he is massive. I actually look because I'm

889
00:39:56,960 --> 00:40:00,480
Speaker 2: five two. I look comic cool carrying my child now

890
00:40:00,880 --> 00:40:03,120
Speaker 2: like he is just a tiny pudding. But the amount

891
00:40:03,160 --> 00:40:05,479
Speaker 2: of stuff that was only used for two or three

892
00:40:05,600 --> 00:40:08,880
Speaker 2: months at the very beginning, Like and seeing, I've got

893
00:40:08,920 --> 00:40:10,400
Speaker 2: one of my girlfriends, so it's just let me know

894
00:40:10,480 --> 00:40:12,520
Speaker 2: that she's pregnant. And I'm like, oh my god, so

895
00:40:12,760 --> 00:40:14,640
Speaker 2: I've got a capsule for you. I've got this, I've

896
00:40:14,680 --> 00:40:17,000
Speaker 2: got this, Otherwise it's just going to sit in storage.

897
00:40:17,040 --> 00:40:18,560
Speaker 2: I was like, do you want the snow, I've got

898
00:40:18,560 --> 00:40:21,920
Speaker 2: this snoo. I'm like, I'm just so excited that these

899
00:40:21,960 --> 00:40:23,600
Speaker 2: things are going to get another use. And I was like,

900
00:40:23,840 --> 00:40:25,279
Speaker 2: only thing I need you to do with it is

901
00:40:25,280 --> 00:40:26,680
Speaker 2: make sure it comes back to me when I have

902
00:40:26,719 --> 00:40:29,680
Speaker 2: another baby. Thank you? All good. I feel like you

903
00:40:29,800 --> 00:40:32,239
Speaker 2: want your friends to have the things that you've got

904
00:40:32,280 --> 00:40:35,040
Speaker 2: because you just know it's so expensive and you would

905
00:40:35,040 --> 00:40:37,719
Speaker 2: have spent heaps of cash anyway, like even just to

906
00:40:37,760 --> 00:40:41,200
Speaker 2: get there, but then food and then nabbies, and then

907
00:40:41,239 --> 00:40:43,560
Speaker 2: you know whether you breastfed or formula fed. I think

908
00:40:43,600 --> 00:40:47,759
Speaker 2: there's this massive misconception that breastfeeding is somehow free, like

909
00:40:48,120 --> 00:40:53,040
Speaker 2: absolutely not like pumping organizing the time, the energy, the effort,

910
00:40:53,080 --> 00:40:56,480
Speaker 2: like there's just so many hidden costs, and I think

911
00:40:56,520 --> 00:40:59,760
Speaker 2: it's just it's so nice when women rally around women

912
00:40:59,760 --> 00:41:01,640
Speaker 2: and they're like, oh, babe, no worries, I've got a

913
00:41:01,680 --> 00:41:04,759
Speaker 2: cop for you. Like, oh, the pressure that gets taken off.

914
00:41:05,000 --> 00:41:07,480
Speaker 4: Yeah, so that's probably Yeah, that's money habit. I think

915
00:41:07,719 --> 00:41:08,760
Speaker 4: secondhand is best.

916
00:41:09,680 --> 00:41:11,560
Speaker 2: Oh is it bad that I wake up in the

917
00:41:11,600 --> 00:41:13,120
Speaker 2: morning and one of the first things I check is

918
00:41:13,160 --> 00:41:14,719
Speaker 2: market Place just to see what's going on.

919
00:41:14,800 --> 00:41:18,360
Speaker 4: I know, people give away so much stuff, it's amazing.

920
00:41:18,480 --> 00:41:18,960
Speaker 1: I love it.

921
00:41:19,160 --> 00:41:21,919
Speaker 2: I did it last weekend. Actually, I've been clearing out

922
00:41:21,920 --> 00:41:23,600
Speaker 2: and you know when you just sometimes you're like, I

923
00:41:23,640 --> 00:41:26,240
Speaker 2: know I could sell this for money, but at the moment,

924
00:41:26,800 --> 00:41:28,399
Speaker 2: I just need to get rid of it, Like we're

925
00:41:28,400 --> 00:41:30,239
Speaker 2: about to renovate. I just need to get rid of it.

926
00:41:30,280 --> 00:41:33,399
Speaker 2: So I gave away a chair on Facebook and it

927
00:41:33,400 --> 00:41:36,160
Speaker 2: was a She's on the money girl and she messaged

928
00:41:36,160 --> 00:41:37,359
Speaker 2: me and she's like, yeah, I love it. And then

929
00:41:37,360 --> 00:41:39,560
Speaker 2: she's like, hold on, hold on, hold on. You are

930
00:41:39,640 --> 00:41:42,960
Speaker 2: actually like Victoria, right, And I was like yes, And

931
00:41:43,000 --> 00:41:45,040
Speaker 2: I was like and I'm glad we're meeting here because

932
00:41:45,080 --> 00:41:47,400
Speaker 2: this is very authentic to both of us. I was like,

933
00:41:47,440 --> 00:41:51,120
Speaker 2: this is money win thread worthy like this absolutely, like

934
00:41:51,200 --> 00:41:53,439
Speaker 2: you getting a free chair should go on the money

935
00:41:53,480 --> 00:41:57,920
Speaker 2: win thread. But I adore it. Tell me we're talking

936
00:41:58,000 --> 00:41:59,799
Speaker 2: good things. What's your worst money habit?

937
00:42:00,840 --> 00:42:04,000
Speaker 4: Look? I think because I am so good, every now

938
00:42:04,040 --> 00:42:05,840
Speaker 4: and then I do go a little crazy.

939
00:42:06,040 --> 00:42:07,520
Speaker 2: We have to you have to let it out.

940
00:42:07,600 --> 00:42:11,359
Speaker 4: I will find myself on sene or team or team.

941
00:42:11,400 --> 00:42:15,719
Speaker 4: It was amazing but terrible slip presot because everything individually

942
00:42:15,800 --> 00:42:18,040
Speaker 4: seems so cheap, and then you just keep adding and adding,

943
00:42:18,040 --> 00:42:21,719
Speaker 4: and I hate paying for postage, so I will find

944
00:42:21,760 --> 00:42:24,319
Speaker 4: that person. I will always keep adding until I get

945
00:42:24,320 --> 00:42:25,040
Speaker 4: free postage.

946
00:42:25,120 --> 00:42:27,640
Speaker 2: So but also you need to weigh it up. Is

947
00:42:27,719 --> 00:42:31,080
Speaker 2: free postage worth the amount that you're now spending in crap?

948
00:42:31,160 --> 00:42:32,319
Speaker 2: You don't need percent?

949
00:42:32,440 --> 00:42:33,960
Speaker 4: No, I just need to delete the APPSI off my phone.

950
00:42:34,000 --> 00:42:35,319
Speaker 4: But every now and then I just get sucked in

951
00:42:35,360 --> 00:42:37,920
Speaker 4: because I've been so good, and then I end up

952
00:42:37,920 --> 00:42:39,960
Speaker 4: with a whole bunch of stuff that I don't need.

953
00:42:40,080 --> 00:42:42,279
Speaker 4: I don't need it. Maybe I want it, but I

954
00:42:42,320 --> 00:42:42,880
Speaker 4: don't need it.

955
00:42:42,960 --> 00:42:46,480
Speaker 2: Oh that's fair. I feel like that's relatable though, and especially.

956
00:42:46,120 --> 00:42:48,680
Speaker 4: Now you can I can convince myself, well, it's for

957
00:42:48,800 --> 00:42:50,160
Speaker 4: the baby, and you.

958
00:42:50,120 --> 00:42:53,480
Speaker 2: Know, yeah, one hundred percent. And I mean it must

959
00:42:53,520 --> 00:42:56,680
Speaker 2: be semi liberating not having somebody else that you need

960
00:42:56,719 --> 00:42:59,799
Speaker 2: to check with, like no, no, no, I'm the captain here.

961
00:43:01,040 --> 00:43:03,279
Speaker 2: I make all the decisions. I don't even have to

962
00:43:03,280 --> 00:43:04,640
Speaker 2: consult with somebody else.

963
00:43:04,960 --> 00:43:07,000
Speaker 4: Yeah, but no, I do. I need to be I

964
00:43:07,000 --> 00:43:09,680
Speaker 4: think better at that. And going back to tracking my

965
00:43:09,800 --> 00:43:11,959
Speaker 4: money and getting a clearer of the year, going okay,

966
00:43:12,040 --> 00:43:14,080
Speaker 4: now a part time this is my income, How much

967
00:43:14,120 --> 00:43:17,000
Speaker 4: am I spending a month of grocery, petrol? And all

968
00:43:17,000 --> 00:43:19,520
Speaker 4: of those bits and pieces will give me that clarity

969
00:43:19,560 --> 00:43:21,680
Speaker 4: to go, okay, you actually do have this much money

970
00:43:21,680 --> 00:43:23,480
Speaker 4: to play with, you know, within your month, and.

971
00:43:23,520 --> 00:43:25,160
Speaker 2: I can fix that for you. Actually, I'm going to

972
00:43:25,200 --> 00:43:27,319
Speaker 2: give you the She's on the Money masterclass because I

973
00:43:27,320 --> 00:43:29,919
Speaker 2: think you're going to love it because it is going

974
00:43:29,960 --> 00:43:32,719
Speaker 2: to not only help you track that and split it

975
00:43:32,800 --> 00:43:35,160
Speaker 2: up like it splits it up into like what banking

976
00:43:35,200 --> 00:43:37,160
Speaker 2: system you should you? So it says this is the

977
00:43:37,200 --> 00:43:38,920
Speaker 2: bank account it goes into, and this is how much

978
00:43:39,000 --> 00:43:40,960
Speaker 2: each month or each fortnite goes in here, and this

979
00:43:41,000 --> 00:43:42,680
Speaker 2: is what you're spending on food, fuel, and fun, and

980
00:43:42,719 --> 00:43:44,319
Speaker 2: this is what you're spending on your child and this

981
00:43:44,400 --> 00:43:46,520
Speaker 2: is your savings goal. I think it'll kick you into

982
00:43:46,520 --> 00:43:48,839
Speaker 2: gear because it's also going to make you really think

983
00:43:48,880 --> 00:43:51,160
Speaker 2: about those money goals, because I know you said at

984
00:43:51,200 --> 00:43:53,279
Speaker 2: the start you're like, oh, v I've really got to

985
00:43:53,280 --> 00:43:55,359
Speaker 2: sit down. I think this is going to be get

986
00:43:55,360 --> 00:43:57,600
Speaker 2: your money goal together, get your cash flow together, and

987
00:43:57,640 --> 00:43:59,040
Speaker 2: I think that you'll love it. So I'm going to

988
00:43:59,080 --> 00:44:00,000
Speaker 2: give that to you.

989
00:44:00,000 --> 00:44:01,640
Speaker 4: Oh my god, thank you. That is so sweet.

990
00:44:01,840 --> 00:44:04,160
Speaker 2: Oh, don't be silly like it's a little thank you.

991
00:44:04,239 --> 00:44:06,600
Speaker 2: I suppose we're doing a money story because I'm super

992
00:44:06,640 --> 00:44:09,959
Speaker 2: grateful for it, but obviously you're listening to the show

993
00:44:09,960 --> 00:44:12,200
Speaker 2: and you're like, I want that. I want a cheeky

994
00:44:12,280 --> 00:44:15,760
Speaker 2: little discount in the show notes for you. But oh,

995
00:44:15,840 --> 00:44:18,040
Speaker 2: I think that that will really help you. I think

996
00:44:18,280 --> 00:44:20,080
Speaker 2: like you've touched all the points and I'm like, hold on,

997
00:44:20,160 --> 00:44:22,880
Speaker 2: hold on, this actually would solve this. I can do

998
00:44:23,000 --> 00:44:25,800
Speaker 2: that today. I love that. But this has been so good,

999
00:44:25,960 --> 00:44:30,440
Speaker 2: Like I love that you've just been so smart, like

1000
00:44:30,600 --> 00:44:32,880
Speaker 2: not just with finance, but you're like, actually, this is

1001
00:44:32,920 --> 00:44:34,359
Speaker 2: a thing that I want in my life, and I'm

1002
00:44:34,360 --> 00:44:36,040
Speaker 2: just going to go for it. I don't need somebody

1003
00:44:36,080 --> 00:44:39,319
Speaker 2: else to validate that. I don't need somebody else to

1004
00:44:39,360 --> 00:44:41,799
Speaker 2: wait for having a kid, Like it must have been

1005
00:44:42,160 --> 00:44:44,560
Speaker 2: a hard decision to make, but now that you're a mom,

1006
00:44:44,760 --> 00:44:46,520
Speaker 2: you're probably like best decision ever.

1007
00:44:46,880 --> 00:44:50,040
Speaker 4: It is absolutely And I will say, like, my boy's

1008
00:44:50,160 --> 00:44:52,759
Speaker 4: so beautiful and he's such a good kid. But the

1009
00:44:52,800 --> 00:44:55,560
Speaker 4: hard days are hard, you know, because you are on

1010
00:44:55,880 --> 00:44:58,840
Speaker 4: twenty four seven there is no break, so it is

1011
00:44:59,000 --> 00:45:01,719
Speaker 4: really tricky. But the good days are amazing and most

1012
00:45:01,719 --> 00:45:03,360
Speaker 4: of the days are good.

1013
00:45:03,280 --> 00:45:05,279
Speaker 2: And the bad ones are fleeting. Like I know that

1014
00:45:05,360 --> 00:45:07,720
Speaker 2: it would be really tough, but again, it's a season

1015
00:45:07,800 --> 00:45:10,520
Speaker 2: of life. And when you zoom out, you're like, that

1016
00:45:10,680 --> 00:45:12,080
Speaker 2: is worth it, Like it is.

1017
00:45:12,520 --> 00:45:14,840
Speaker 4: It is. I don't look back at all, Like, you know,

1018
00:45:14,920 --> 00:45:18,360
Speaker 4: I'm just so grateful for him, And I think for

1019
00:45:18,440 --> 00:45:22,520
Speaker 4: anyone considering going down this pathway, you know, my biggest

1020
00:45:22,560 --> 00:45:25,560
Speaker 4: advice would just book an appointment and just get some

1021
00:45:25,680 --> 00:45:29,520
Speaker 4: information and cejas sit with it, because as women, we

1022
00:45:29,600 --> 00:45:33,520
Speaker 4: don't have sadly and endless time to be able to

1023
00:45:33,560 --> 00:45:35,120
Speaker 4: do it, so we do have to think about it

1024
00:45:35,160 --> 00:45:38,440
Speaker 4: while we're in our certain age range.

1025
00:45:38,480 --> 00:45:41,439
Speaker 2: I guess, isn't that that's so sucky, but like it's

1026
00:45:41,480 --> 00:45:44,160
Speaker 2: so true, and I think that as much as we can,

1027
00:45:44,239 --> 00:45:47,080
Speaker 2: like dance around it and be kind like, Unfortunately, if

1028
00:45:47,120 --> 00:45:49,000
Speaker 2: you get to an age, there's going to be a

1029
00:45:49,040 --> 00:45:51,960
Speaker 2: no turnback, Like you can't go back and make that

1030
00:45:52,040 --> 00:45:54,880
Speaker 2: decision later. So I love this and I feel like

1031
00:45:54,920 --> 00:45:57,520
Speaker 2: it's probably in the grand scheme of things, taking a

1032
00:45:57,560 --> 00:45:59,400
Speaker 2: lot of pressure off you as well to find a

1033
00:45:59,440 --> 00:46:01,920
Speaker 2: partner so that now if you meet someone, you're like,

1034
00:46:02,320 --> 00:46:05,520
Speaker 2: it's not this pressure to have kids. I don't have that,

1035
00:46:05,600 --> 00:46:08,120
Speaker 2: Like I just want to find the right person for me,

1036
00:46:08,719 --> 00:46:11,200
Speaker 2: and like now they get a bonus.

1037
00:46:10,880 --> 00:46:13,160
Speaker 4: Friend exactly, anything's possible.

1038
00:46:13,840 --> 00:46:17,360
Speaker 2: I love that one hundred percent money does. I have

1039
00:46:17,520 --> 00:46:20,120
Speaker 2: adored this. I've learned so much and I feel like

1040
00:46:20,120 --> 00:46:22,960
Speaker 2: the community is going to love this episode honestly, probably

1041
00:46:23,000 --> 00:46:25,440
Speaker 2: more than I have, which is a lot. So it

1042
00:46:25,480 --> 00:46:27,600
Speaker 2: has been a pleasure. But sadly, that is all we

1043
00:46:27,680 --> 00:46:30,439
Speaker 2: have time for today. So oh, thank you so much

1044
00:46:30,440 --> 00:46:32,720
Speaker 2: for sharing your story and your journey and being so open,

1045
00:46:32,760 --> 00:46:42,200
Speaker 2: because I feel like I've adored it. The ad buy

1046
00:46:42,320 --> 00:46:44,880
Speaker 2: shared on She's on the Money is general in nature

1047
00:46:44,960 --> 00:46:48,480
Speaker 2: and does not consider your individual circumstances. She's on the

1048
00:46:48,480 --> 00:46:52,040
Speaker 2: Money exists purely for educational purposes. And should not be

1049
00:46:52,120 --> 00:46:55,480
Speaker 2: relied upon to make an investment or financial decision. If

1050
00:46:55,480 --> 00:46:57,880
Speaker 2: you do choose to buy a financial product, read the

1051
00:46:57,880 --> 00:47:02,480
Speaker 2: PDS TMD and obtain appropriate financial advice tailored towards your needs.

1052
00:47:02,840 --> 00:47:06,800
Speaker 2: Victoria Divine and She's on the Money are authorized representatives

1053
00:47:06,840 --> 00:47:09,400
Speaker 2: of Money sherper p t y lt D. A b

1054
00:47:09,560 --> 00:47:12,640
Speaker 2: N three two one six four nine two seven seven

1055
00:47:12,719 --> 00:47:15,640
Speaker 2: zero eight a f s L four five one two

1056
00:47:15,680 --> 00:47:22,080
Speaker 2: eight nine