1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:36,560 Speaker 2: Let's get into it. She's on the Money. 11 00:00:36,720 --> 00:00:39,000 Speaker 3: She's on the Money. 12 00:00:57,760 --> 00:01:00,840 Speaker 2: Hello, and welcome to She's on the Money, the podcast 13 00:01:00,920 --> 00:01:04,440 Speaker 2: for millennials who want financial freedom. Welcome back to another 14 00:01:04,480 --> 00:01:06,520 Speaker 2: one of our money diaries where we get to talk 15 00:01:06,560 --> 00:01:08,960 Speaker 2: to one of our beautiful She's on the Money community 16 00:01:08,959 --> 00:01:12,720 Speaker 2: members all about their journey. Let's jump straight into it. 17 00:01:12,760 --> 00:01:14,800 Speaker 2: This week, I got a message and it went a 18 00:01:14,840 --> 00:01:18,720 Speaker 2: little bit like this. Hi, Victoria. I grew up with 19 00:01:18,800 --> 00:01:22,120 Speaker 2: a single dad and worked long hours with crippling debt. 20 00:01:22,360 --> 00:01:25,280 Speaker 2: I got a thirty thousand dollar loan at twenty one, 21 00:01:25,600 --> 00:01:28,440 Speaker 2: and this year, at twenty eight, I just bought a home, 22 00:01:28,560 --> 00:01:31,280 Speaker 2: a new car, I'm planning a wedding and building my 23 00:01:31,360 --> 00:01:34,240 Speaker 2: wealth and finances up with my fiance while trying to 24 00:01:34,240 --> 00:01:36,400 Speaker 2: figure out what I want to do with my career. Also, 25 00:01:36,959 --> 00:01:40,400 Speaker 2: money diarist, you sound like a really fun diarist to 26 00:01:40,440 --> 00:01:42,960 Speaker 2: get on the show. Welcome, thank you. 27 00:01:43,280 --> 00:01:44,880 Speaker 3: Hearing that back is so weird? 28 00:01:45,640 --> 00:01:48,480 Speaker 2: Is that actually? I feel like, I'm ay? Does it 29 00:01:48,520 --> 00:01:49,240 Speaker 2: make you proud? 30 00:01:49,680 --> 00:01:52,200 Speaker 3: Yeah? I think so, because I don't think I've really 31 00:01:52,240 --> 00:01:54,960 Speaker 3: achieved much or I'm that great or anything. But then 32 00:01:55,000 --> 00:01:57,440 Speaker 3: hearing in one sentence like that, it's like, Okay, I 33 00:01:57,480 --> 00:01:59,680 Speaker 3: can step back and sort of be like, yeah, I 34 00:01:59,720 --> 00:02:02,840 Speaker 3: have a achieved quite a lot considering where I've come from, 35 00:02:02,840 --> 00:02:04,720 Speaker 3: So I'm yeah, I'm pretty proud of that. 36 00:02:05,040 --> 00:02:08,240 Speaker 2: I'm very proud of that. Let's kick off. I want 37 00:02:08,240 --> 00:02:10,720 Speaker 2: to know what grade would you give your money habits 38 00:02:10,760 --> 00:02:12,560 Speaker 2: if I asked you to give yourself a grade from 39 00:02:12,600 --> 00:02:13,520 Speaker 2: A through to F. 40 00:02:13,800 --> 00:02:16,160 Speaker 3: I've been tossing up on this. I think maybe like 41 00:02:16,200 --> 00:02:19,200 Speaker 3: A B minus, maybe B B minus. 42 00:02:18,880 --> 00:02:21,040 Speaker 2: A B A B minus. Can you give me a 43 00:02:21,080 --> 00:02:22,920 Speaker 2: little bit more insight? Why would you pick that? 44 00:02:23,280 --> 00:02:27,200 Speaker 3: I think I've been able to work out my finances 45 00:02:27,240 --> 00:02:29,600 Speaker 3: pretty well but I think I still have a lot 46 00:02:29,639 --> 00:02:32,079 Speaker 3: to learn. I haven't really jumped into the investing space, 47 00:02:32,120 --> 00:02:35,120 Speaker 3: and I'm not really ready to yet, but I think 48 00:02:35,160 --> 00:02:38,799 Speaker 3: I want to learn more about that and build more 49 00:02:38,800 --> 00:02:41,679 Speaker 3: wealth that way as well. So I think I've got 50 00:02:41,680 --> 00:02:43,400 Speaker 3: good things, but I think I could do better. 51 00:02:43,560 --> 00:02:46,560 Speaker 2: I feel like that was really well articulated. I want 52 00:02:46,600 --> 00:02:49,600 Speaker 2: to know before we get any further. My favorite question, 53 00:02:49,720 --> 00:02:51,799 Speaker 2: as always is can you tell us a little bit 54 00:02:51,840 --> 00:02:54,359 Speaker 2: more about your money story? I'm so keen to hear. 55 00:02:56,000 --> 00:02:56,160 Speaker 4: So. 56 00:02:56,760 --> 00:02:59,040 Speaker 3: I had a single parent. My parents split when I 57 00:02:59,080 --> 00:03:01,799 Speaker 3: was eight. Fortunately, my dad was given custody of me 58 00:03:01,840 --> 00:03:04,880 Speaker 3: and my brother, so he worked really really crazy hours 59 00:03:04,960 --> 00:03:08,160 Speaker 3: just to sort of, you know, earn the money. He 60 00:03:08,240 --> 00:03:11,400 Speaker 3: worked from four am till six pm most days and 61 00:03:11,919 --> 00:03:14,280 Speaker 3: di it out, dinner on the table ready, and I 62 00:03:14,440 --> 00:03:16,160 Speaker 3: would do all the things in a house that a 63 00:03:16,240 --> 00:03:19,359 Speaker 3: mother would usually do. But he worked really really long 64 00:03:19,400 --> 00:03:21,760 Speaker 3: hours just to sort of give us everything we needed 65 00:03:21,760 --> 00:03:24,440 Speaker 3: as kids. I have an older brother, so his focus 66 00:03:24,560 --> 00:03:26,920 Speaker 3: was just keeping us in school and keeping us happy. 67 00:03:26,960 --> 00:03:29,880 Speaker 3: But that came with a lot of debt. He got 68 00:03:29,919 --> 00:03:33,079 Speaker 3: made redundant twice in three years from jobs oh no, 69 00:03:33,520 --> 00:03:37,320 Speaker 3: and he got himself in thirty forty odd K worth 70 00:03:37,360 --> 00:03:40,720 Speaker 3: of debt just to make the ends meet. It wasn't 71 00:03:40,920 --> 00:03:44,120 Speaker 3: like he was out buying flashy things or anything like that. 72 00:03:44,200 --> 00:03:47,160 Speaker 3: It was more so just to keep us in school 73 00:03:47,200 --> 00:03:49,920 Speaker 3: and with the things we needed. It wasn't excessive spending 74 00:03:49,960 --> 00:03:54,080 Speaker 3: on unnecessary things. So I think growing up, it's not 75 00:03:54,120 --> 00:03:56,520 Speaker 3: like we didn't have things. He definitely looked after us, 76 00:03:56,520 --> 00:03:59,280 Speaker 3: and we definitely got Every weekend we'd do an activity 77 00:03:59,320 --> 00:04:01,280 Speaker 3: like we've got a time zone and we got ice skating, 78 00:04:01,400 --> 00:04:02,920 Speaker 3: or we go rock climbing. I did a lot of 79 00:04:02,960 --> 00:04:05,160 Speaker 3: rock climbing as a kid with my dad. So we 80 00:04:05,200 --> 00:04:08,520 Speaker 3: always did things, but there wasn't, you know, endless flows 81 00:04:08,520 --> 00:04:10,920 Speaker 3: of money. We had things, but it was known that 82 00:04:11,600 --> 00:04:16,240 Speaker 3: we had a single parent and money was needed for 83 00:04:16,320 --> 00:04:19,599 Speaker 3: our things rather than unnecessary things. So I kind of 84 00:04:19,640 --> 00:04:23,680 Speaker 3: grew up with the mind frame that work hard, hard working, 85 00:04:23,839 --> 00:04:26,880 Speaker 3: and it'll pay off and you'll get there. So I 86 00:04:26,880 --> 00:04:29,479 Speaker 3: think that instilled in me a lot of hard work. 87 00:04:29,520 --> 00:04:32,080 Speaker 3: And you know, I got my first job at fourteen, 88 00:04:32,120 --> 00:04:34,520 Speaker 3: and I was helping dad out with the rent from 89 00:04:34,839 --> 00:04:38,440 Speaker 3: sixteen onwards, and I think that taught me a lot 90 00:04:38,480 --> 00:04:40,520 Speaker 3: about money and sort of what I wanted for my 91 00:04:40,680 --> 00:04:45,080 Speaker 3: future money was and I guess for my family. I 92 00:04:45,120 --> 00:04:47,599 Speaker 3: did totally my kids to sort of grow up like that, 93 00:04:47,720 --> 00:04:50,600 Speaker 3: and I think I've worked really hard at that from 94 00:04:50,640 --> 00:04:53,119 Speaker 3: seeing what my dad went through to build a little 95 00:04:53,120 --> 00:04:54,800 Speaker 3: bit of a better foundation for myself. 96 00:04:55,040 --> 00:04:58,599 Speaker 2: What's it like being sixteen and contributing to the rent 97 00:04:58,720 --> 00:05:01,320 Speaker 2: when I'm assuming a lot of your peers were probably 98 00:05:01,360 --> 00:05:02,719 Speaker 2: not in a similar position. 99 00:05:03,320 --> 00:05:06,279 Speaker 3: Yeah, pretty much. All my friends at school, their parents 100 00:05:06,360 --> 00:05:09,599 Speaker 3: were together, and they'd had not an easy life, but 101 00:05:09,640 --> 00:05:12,119 Speaker 3: they hadn't been through the things that I'd been through, 102 00:05:12,160 --> 00:05:14,919 Speaker 3: and I'd been through a lot at this stage. It 103 00:05:15,040 --> 00:05:17,920 Speaker 3: was weird, But I also, I'm very close with my dad, 104 00:05:17,960 --> 00:05:19,760 Speaker 3: so I was happy to help out. It started off 105 00:05:19,800 --> 00:05:22,560 Speaker 3: as just, you know, fifty dollars a week and gradually 106 00:05:22,560 --> 00:05:24,120 Speaker 3: went up from there. But I think I was more 107 00:05:24,160 --> 00:05:28,599 Speaker 3: just happy to help because I knew everything he was sacrificing. 108 00:05:28,000 --> 00:05:30,720 Speaker 2: For us totally, and I feel like if I was 109 00:05:30,760 --> 00:05:32,960 Speaker 2: in a similar position, that's exactly what I would want 110 00:05:33,000 --> 00:05:35,160 Speaker 2: to do, right, Like, it sounds like your dad's a legend. 111 00:05:35,480 --> 00:05:38,279 Speaker 2: He is my best friend, and I can tell like 112 00:05:38,320 --> 00:05:40,720 Speaker 2: from the way that you talk about him, I'm like, oh, 113 00:05:40,760 --> 00:05:43,760 Speaker 2: this man, he must have done it so much. Is 114 00:05:43,760 --> 00:05:45,960 Speaker 2: that something you talked about at school, Like, is that 115 00:05:46,000 --> 00:05:48,760 Speaker 2: a conversation where you know you were working and people 116 00:05:48,880 --> 00:05:50,960 Speaker 2: knew that the money that you were earning as a 117 00:05:51,000 --> 00:05:52,520 Speaker 2: teenager was going towards that. 118 00:05:52,839 --> 00:05:55,120 Speaker 3: Not really. A lot of my friends in my friendship 119 00:05:55,120 --> 00:05:57,800 Speaker 3: group at school, we actually all worked at the local McDonald's, 120 00:05:57,839 --> 00:06:00,440 Speaker 3: but a lot of them were working to just sort 121 00:06:00,440 --> 00:06:04,600 Speaker 3: of buy themselves stuff or just to have money. Where I, yeah, 122 00:06:04,640 --> 00:06:07,120 Speaker 3: I guess I was working to help with bills, and 123 00:06:07,160 --> 00:06:09,200 Speaker 3: I was paying off my own phone, and I was 124 00:06:09,640 --> 00:06:12,400 Speaker 3: I saved my very first car, and every car of 125 00:06:12,400 --> 00:06:15,239 Speaker 3: Haard I've bought purely myself. I've never had a help, 126 00:06:15,279 --> 00:06:18,400 Speaker 3: so I think I don't think I really spoke about 127 00:06:18,440 --> 00:06:20,640 Speaker 3: it in that sense with my friends at the time. No, 128 00:06:20,839 --> 00:06:24,320 Speaker 3: it wasn't really a conversation that where's your money going 129 00:06:24,440 --> 00:06:27,200 Speaker 3: or what are you saving for or contributing to? So 130 00:06:27,960 --> 00:06:29,120 Speaker 3: not really something. 131 00:06:29,200 --> 00:06:31,400 Speaker 2: I think when you're a teenager you just assume it's 132 00:06:31,440 --> 00:06:33,760 Speaker 2: on going to the movies and you know, going to 133 00:06:33,839 --> 00:06:36,799 Speaker 2: Nacas after school. And it's funny you say that because 134 00:06:36,839 --> 00:06:38,479 Speaker 2: I grew up in a I don't want to say 135 00:06:38,520 --> 00:06:41,000 Speaker 2: more regional area. I grew up on the morning to Peninsula, 136 00:06:41,080 --> 00:06:44,000 Speaker 2: and so many of my friends worked at either one 137 00:06:44,000 --> 00:06:47,600 Speaker 2: of the two McDonald's down there. It was honestly such 138 00:06:47,640 --> 00:06:50,160 Speaker 2: a good job, I feel, because it's so structured and 139 00:06:50,240 --> 00:06:53,400 Speaker 2: provides so much leadership training. Did you love that I did. 140 00:06:53,440 --> 00:06:55,000 Speaker 3: I think it was a great place for me to start. 141 00:06:55,040 --> 00:06:56,760 Speaker 3: I spent five years there. I got a job. I 142 00:06:56,839 --> 00:07:01,320 Speaker 3: think I was fourteen and three months, and I worked 143 00:07:01,320 --> 00:07:04,159 Speaker 3: my way up. I started management, but I didn't finish it. 144 00:07:04,200 --> 00:07:06,640 Speaker 3: I wanted to sort of move on. But I think 145 00:07:06,640 --> 00:07:08,960 Speaker 3: it instilled a lot in me, and I think it's 146 00:07:09,000 --> 00:07:11,920 Speaker 3: a really great starting point for children that age, or 147 00:07:12,240 --> 00:07:14,480 Speaker 3: you know, teenagers that age. I think it teaches you 148 00:07:14,480 --> 00:07:16,320 Speaker 3: a lot. When I started there, I was the shyest 149 00:07:16,360 --> 00:07:19,400 Speaker 3: person you'd ever meet. Like my dad laughs about it now, 150 00:07:19,480 --> 00:07:21,320 Speaker 3: how shy I was. Like I wouldn't even go up 151 00:07:21,360 --> 00:07:24,000 Speaker 3: to a checkout person and ask a question. And people 152 00:07:24,040 --> 00:07:26,600 Speaker 3: that know me now would know me that I'm a foghorn. 153 00:07:26,720 --> 00:07:29,200 Speaker 3: I make friends everywhere. 154 00:07:28,760 --> 00:07:29,800 Speaker 2: You found yourself. 155 00:07:29,960 --> 00:07:33,080 Speaker 3: Honestly, I don't have issues making friends, and I'm not 156 00:07:33,160 --> 00:07:36,040 Speaker 3: a shy person at all. But I think I learned 157 00:07:36,080 --> 00:07:39,040 Speaker 3: a lot. I grew a lot and learned a lot 158 00:07:39,040 --> 00:07:41,720 Speaker 3: of leadership and business sort of skills from that job. 159 00:07:41,760 --> 00:07:43,480 Speaker 3: I think it's a great starting point for sure. 160 00:07:43,680 --> 00:07:46,000 Speaker 2: Yeah, that is so cool. I want to know what 161 00:07:46,040 --> 00:07:47,920 Speaker 2: you do now though, So what do you do for work? 162 00:07:47,960 --> 00:07:49,120 Speaker 2: How much money do you earn? 163 00:07:49,560 --> 00:07:52,560 Speaker 3: I work as an account's clerk sort of accounts and 164 00:07:52,640 --> 00:07:56,800 Speaker 3: admin clerk. My salary is fifty six plus super, but 165 00:07:56,840 --> 00:08:01,400 Speaker 3: I do also get monthly over time, and I did 166 00:08:01,440 --> 00:08:03,560 Speaker 3: start doing Uber eats last year at the end of 167 00:08:03,560 --> 00:08:05,960 Speaker 3: the year. Yeah, just to pay off my wedding. 168 00:08:06,120 --> 00:08:07,920 Speaker 2: What a little hustler. I love this. 169 00:08:08,480 --> 00:08:10,600 Speaker 3: Yeah, So all my Uber eats income go straight to 170 00:08:10,640 --> 00:08:13,600 Speaker 3: the wedding, and then my normal salary covers all the 171 00:08:13,960 --> 00:08:16,760 Speaker 3: mortgage and that sort of stuff. So I don't really 172 00:08:16,760 --> 00:08:20,120 Speaker 3: have an estimated amount with Uber, but my normal salary 173 00:08:20,240 --> 00:08:22,960 Speaker 3: is the fifty six plus and then overtime each month 174 00:08:23,000 --> 00:08:23,480 Speaker 3: as well. 175 00:08:23,600 --> 00:08:26,280 Speaker 2: I want to ask about overtime because when you said 176 00:08:26,320 --> 00:08:28,960 Speaker 2: I'm an account's clerk, that's not usually a role where 177 00:08:29,200 --> 00:08:32,200 Speaker 2: you would get over time. How's that happen? 178 00:08:32,520 --> 00:08:34,800 Speaker 3: Yeah, So I work in the automotive industry, so we 179 00:08:35,040 --> 00:08:39,600 Speaker 3: work on a monthly basis, and my role is monthly based, 180 00:08:39,760 --> 00:08:41,600 Speaker 3: so at the end of each month, we have to 181 00:08:41,640 --> 00:08:44,960 Speaker 3: get everything entered into the system. So generally the last 182 00:08:45,000 --> 00:08:47,280 Speaker 3: two days of the month we work sort of twelve 183 00:08:47,360 --> 00:08:50,200 Speaker 3: to thirteen hour days, Oh my god, to get everything in. 184 00:08:50,240 --> 00:08:52,920 Speaker 3: So end of month there's always really work heavy, and 185 00:08:52,960 --> 00:08:54,920 Speaker 3: the start of the month's quiet. But I'm always happy 186 00:08:54,960 --> 00:08:57,360 Speaker 3: to do it because every hour we work overtime end 187 00:08:57,400 --> 00:08:58,440 Speaker 3: of month is paid. 188 00:08:58,480 --> 00:09:00,839 Speaker 2: Ye one hundred percent. I'm there for the overtime. 189 00:09:01,200 --> 00:09:04,480 Speaker 3: Yeah. I use my overtime funds to go to a 190 00:09:04,480 --> 00:09:08,560 Speaker 3: wedding dress account. Yeah awesome, So I have all my overtime. 191 00:09:08,559 --> 00:09:10,720 Speaker 3: Sort of works for me. I always use my overtime 192 00:09:10,960 --> 00:09:13,560 Speaker 3: to pay for something I want that's on top of 193 00:09:13,600 --> 00:09:14,360 Speaker 3: my normal salary. 194 00:09:14,400 --> 00:09:16,920 Speaker 2: It's going towards the above and beyond. 195 00:09:16,800 --> 00:09:19,320 Speaker 3: Exactly, not coming out of my normal salary, not digging 196 00:09:19,320 --> 00:09:22,400 Speaker 3: into my normal bills. So yeah, every every end of month, 197 00:09:22,520 --> 00:09:25,199 Speaker 3: I get maybe four to five hundred dollars of overtime 198 00:09:26,280 --> 00:09:29,120 Speaker 3: that you know goes into those accounts. So that's a 199 00:09:29,200 --> 00:09:31,360 Speaker 3: nice little bonus on top of my normal salary. 200 00:09:31,679 --> 00:09:35,040 Speaker 2: That's actually so cool that you have that structure where 201 00:09:35,040 --> 00:09:36,520 Speaker 2: you like, I don't want it coming out of my 202 00:09:36,559 --> 00:09:39,520 Speaker 2: normal account if I do overtime. It's the above and beyond. 203 00:09:40,080 --> 00:09:42,880 Speaker 2: Tell me you mentioned a wedding dress account as somebody 204 00:09:42,920 --> 00:09:46,840 Speaker 2: who got married last year. I'm still so obsessed with weddings. 205 00:09:46,920 --> 00:09:50,000 Speaker 2: It is my entire TikTok feed. I am I what 206 00:09:50,200 --> 00:09:53,920 Speaker 2: your I've just got my wedding video back, guys, I 207 00:09:53,960 --> 00:09:57,079 Speaker 2: am obsessed. The wedding content is going to be making 208 00:09:57,120 --> 00:09:59,280 Speaker 2: a comeback. But what I want to know is like, 209 00:09:59,640 --> 00:10:01,719 Speaker 2: how did this wedding dress account come up? How did 210 00:10:01,720 --> 00:10:03,760 Speaker 2: you set a budget? What are we working towards? 211 00:10:04,200 --> 00:10:06,480 Speaker 3: So originally that account, I always changed the name of 212 00:10:06,520 --> 00:10:08,280 Speaker 3: what that account is for what my goal is. I 213 00:10:08,280 --> 00:10:10,640 Speaker 3: have a tattoo sleeve and I use all my overtime 214 00:10:10,640 --> 00:10:11,000 Speaker 3: fun for. 215 00:10:10,960 --> 00:10:13,960 Speaker 2: That and that's expensive, Yeah, it's so expensive. 216 00:10:14,440 --> 00:10:16,840 Speaker 3: So I used that account. I changed the name of 217 00:10:16,880 --> 00:10:19,160 Speaker 3: it to whatever we're doing. We went to New Zealand 218 00:10:19,200 --> 00:10:21,440 Speaker 3: last year, so it was my New Zealand funds account. 219 00:10:21,679 --> 00:10:24,160 Speaker 3: Then once the holiday was over, we just gotten engaged 220 00:10:24,160 --> 00:10:26,240 Speaker 3: before the holiday, so I changed it to wedding dress. 221 00:10:26,360 --> 00:10:28,600 Speaker 3: And I kind of look at my wedding dress as 222 00:10:28,720 --> 00:10:31,320 Speaker 3: one of my main expenses of a wedding, not my 223 00:10:31,440 --> 00:10:34,880 Speaker 3: partners in a sense, So I am saving for that separately, 224 00:10:35,040 --> 00:10:36,880 Speaker 3: to allow, you know, my wedding dress fund and for 225 00:10:36,920 --> 00:10:40,360 Speaker 3: my bridesmaids sort of fund. I've sort of set a 226 00:10:40,400 --> 00:10:42,599 Speaker 3: budget for my dress. I kind of don't want to 227 00:10:42,640 --> 00:10:44,760 Speaker 3: spend more than about two and a half on the dress. 228 00:10:44,960 --> 00:10:48,480 Speaker 2: That's still a significant amount of money. Like, there's so expensive. 229 00:10:48,520 --> 00:10:50,319 Speaker 2: Weddings are crazy, it's huge. 230 00:10:50,360 --> 00:10:53,160 Speaker 3: I've set a very strict budget for the wedding. I'm 231 00:10:53,240 --> 00:10:55,720 Speaker 3: well on track. I've run the numbers multiple times, and 232 00:10:55,720 --> 00:10:59,800 Speaker 3: I've gotten quotes for everything, and I have everything structured. 233 00:11:00,600 --> 00:11:02,599 Speaker 3: So yeah, I kind of came up with two and 234 00:11:02,640 --> 00:11:04,400 Speaker 3: a half because I think that's a reasonable amount. It 235 00:11:04,480 --> 00:11:06,559 Speaker 3: still quite a lot, and there's still a lot of 236 00:11:06,640 --> 00:11:08,520 Speaker 3: dresses that are so much more than that. But I 237 00:11:08,559 --> 00:11:12,480 Speaker 3: think for me it's a very reasonable amount because I've 238 00:11:12,480 --> 00:11:14,400 Speaker 3: said a very strict budget and I don't want to 239 00:11:14,400 --> 00:11:15,559 Speaker 3: be too excessive. 240 00:11:15,679 --> 00:11:18,240 Speaker 2: Yeah, that's absolutely fair. Can I be really pervy and 241 00:11:18,280 --> 00:11:20,120 Speaker 2: ask about the rest of the wedding, like what's the 242 00:11:20,240 --> 00:11:23,120 Speaker 2: overall budget? How did you work that out with your partner? 243 00:11:23,400 --> 00:11:25,520 Speaker 2: I feel like it's such a fickle conversation. 244 00:11:26,360 --> 00:11:29,000 Speaker 3: It really is. My partner. If I turned around tomorrow 245 00:11:29,040 --> 00:11:30,800 Speaker 3: and said, let's just have a party. He'd be so 246 00:11:30,880 --> 00:11:33,680 Speaker 3: happy with that. He definitely wants a wedding, but he 247 00:11:34,160 --> 00:11:39,079 Speaker 3: finds the cost of them just insane and we aren't 248 00:11:39,080 --> 00:11:41,520 Speaker 3: made of money. So he's like, we can have a wedding, 249 00:11:41,640 --> 00:11:43,400 Speaker 3: but we're not going to be able to have all 250 00:11:43,400 --> 00:11:45,240 Speaker 3: the bells and whistles or you know. We need to 251 00:11:45,280 --> 00:11:48,560 Speaker 3: be smart about it. I don't think spending X amount 252 00:11:48,559 --> 00:11:50,440 Speaker 3: of money when we could go overseas or this or 253 00:11:50,440 --> 00:11:53,079 Speaker 3: that is smart. So I sort of came up with 254 00:11:53,120 --> 00:11:55,760 Speaker 3: a budget, and we looked at venues and stuff and 255 00:11:55,800 --> 00:11:58,040 Speaker 3: sort of worked out what we'd be looking at, and 256 00:11:58,080 --> 00:12:00,240 Speaker 3: we came to a number of twenty five ks. So 257 00:12:01,360 --> 00:12:04,080 Speaker 3: I'm actually well on target for that at the moment. 258 00:12:04,400 --> 00:12:06,480 Speaker 3: I think I'm sitting a little bit under it actually 259 00:12:06,520 --> 00:12:09,600 Speaker 3: at the moment, and we've set a date and we've 260 00:12:09,600 --> 00:12:14,280 Speaker 3: booked the venue, So yeah, I kind of I can 261 00:12:14,480 --> 00:12:17,360 Speaker 3: accept that amount as sort of reasonable, but I think 262 00:12:17,400 --> 00:12:19,240 Speaker 3: when it gets a little bit over that just for 263 00:12:19,360 --> 00:12:22,400 Speaker 3: our personal goals, that's when it's a bit too much. 264 00:12:22,440 --> 00:12:24,439 Speaker 3: So I sort of worked out what our goals are 265 00:12:24,600 --> 00:12:26,440 Speaker 3: and what's reasonable. 266 00:12:26,800 --> 00:12:28,920 Speaker 2: Yeah, no, one hundred percent. I love to hear how 267 00:12:28,960 --> 00:12:30,959 Speaker 2: clear you guys are on it, and you know your 268 00:12:31,000 --> 00:12:34,480 Speaker 2: partner's values versus your values. Like for me, that was 269 00:12:34,520 --> 00:12:37,000 Speaker 2: really important when it came to planning the wedding as well. 270 00:12:37,040 --> 00:12:39,920 Speaker 2: My partner just wanted a massive party, and I'm quite 271 00:12:40,080 --> 00:12:43,080 Speaker 2: in real life, guys, I'm actually really introverted. I like 272 00:12:43,240 --> 00:12:45,800 Speaker 2: my small group of friends. I don't like really big 273 00:12:45,840 --> 00:12:48,440 Speaker 2: crowds of people. I find the really overwhelming. So that 274 00:12:48,559 --> 00:12:50,680 Speaker 2: was a fun compromise to make. 275 00:12:50,840 --> 00:12:55,079 Speaker 3: My partner's exactly the same. His social battery wears out 276 00:12:54,600 --> 00:12:57,920 Speaker 3: it me where I'm the opposite. So we sort of 277 00:12:58,200 --> 00:12:59,920 Speaker 3: came to that compromise. We are having a very smar 278 00:13:00,440 --> 00:13:03,520 Speaker 3: It's only about forty people, just close friends and family, 279 00:13:03,559 --> 00:13:06,320 Speaker 3: and I think that's plenty for us and where we're at. 280 00:13:06,400 --> 00:13:09,480 Speaker 3: And he's, yeah, very he likes a social thing, but 281 00:13:09,600 --> 00:13:13,319 Speaker 3: he gets his social battery gets full very quickly, so. 282 00:13:13,679 --> 00:13:15,640 Speaker 2: I'm the same. I think I slept for the entire 283 00:13:15,679 --> 00:13:18,480 Speaker 2: week after our wedding because I was just exhausted from 284 00:13:18,520 --> 00:13:22,360 Speaker 2: everything that had happened, elated, so excited. Best of my life. 285 00:13:22,480 --> 00:13:25,000 Speaker 2: I need an app is basically where I was at 286 00:13:25,200 --> 00:13:27,920 Speaker 2: before we move on to more of the structured questions. 287 00:13:27,960 --> 00:13:31,360 Speaker 2: I have another spicy wedding question based on content that 288 00:13:31,400 --> 00:13:34,000 Speaker 2: I have been producing recently on TikTok, I know exactly 289 00:13:34,080 --> 00:13:37,800 Speaker 2: what question you know me, Are you paying for your bridesmaids? 290 00:13:37,960 --> 00:13:40,040 Speaker 2: If so, why, if not? Why not? 291 00:13:40,400 --> 00:13:43,800 Speaker 3: Well, to be honest, your recent post threw a spanner 292 00:13:43,800 --> 00:13:47,600 Speaker 3: and not a spanner in the works made me question things. No, no, 293 00:13:47,760 --> 00:13:50,280 Speaker 3: don't be sorry. I've obviously never had a wedding and 294 00:13:50,320 --> 00:13:53,200 Speaker 3: I've never been in a bridal party, so you know, 295 00:13:53,320 --> 00:13:55,480 Speaker 3: it's kind of working out what works for us. I 296 00:13:55,600 --> 00:13:58,480 Speaker 3: was always planning hair and makeup fully paid by me. 297 00:13:58,960 --> 00:14:01,240 Speaker 3: I was never going to ask at the dresses I'm 298 00:14:01,280 --> 00:14:04,120 Speaker 3: looking out of are not too expensive one hundred dollars 299 00:14:04,200 --> 00:14:07,400 Speaker 3: or less. And I was originally thinking of getting my 300 00:14:07,480 --> 00:14:12,160 Speaker 3: bridesmaids to purchase their own dress, but I think I 301 00:14:12,360 --> 00:14:14,679 Speaker 3: might end up paying for them shoes and things like that. 302 00:14:14,760 --> 00:14:16,760 Speaker 3: If they have shoes that fit the color scheme, then 303 00:14:17,040 --> 00:14:20,560 Speaker 3: happy for them to wear it they have, But I'd 304 00:14:20,600 --> 00:14:22,240 Speaker 3: love to be able to afford to pay for everything, 305 00:14:22,320 --> 00:14:25,120 Speaker 3: and I think if the way I'm working things now, 306 00:14:25,160 --> 00:14:28,440 Speaker 3: I think I will be able to. So I definitely 307 00:14:28,520 --> 00:14:32,080 Speaker 3: at least half, if not all, is what I'm working for. 308 00:14:32,240 --> 00:14:35,480 Speaker 2: I love this conversation because I think as somebody who 309 00:14:35,600 --> 00:14:38,480 Speaker 2: has been a bride, I just really hadn't thought about 310 00:14:38,520 --> 00:14:41,800 Speaker 2: it before. And I had been a bridesmaid, and to 311 00:14:42,160 --> 00:14:44,880 Speaker 2: you know, check my own privilege, I've always been in 312 00:14:44,880 --> 00:14:47,680 Speaker 2: a position where if I've been asked to be a bridesmaid, 313 00:14:47,960 --> 00:14:49,920 Speaker 2: I was at an age where I had the free 314 00:14:49,920 --> 00:14:52,280 Speaker 2: cash flow, so I didn't mind. I was just so 315 00:14:52,560 --> 00:14:54,960 Speaker 2: excited to be a bridesmaid. I didn't mind that I 316 00:14:55,000 --> 00:14:56,680 Speaker 2: had to pay for the dress. I didn't mind to 317 00:14:56,680 --> 00:14:58,520 Speaker 2: be a part of it. But then once it came 318 00:14:58,560 --> 00:15:00,880 Speaker 2: to me having my own wedding, I was just overwhelmed 319 00:15:00,880 --> 00:15:04,880 Speaker 2: with this idea that my tastes would then dictate how 320 00:15:05,080 --> 00:15:08,760 Speaker 2: my bridesmaids would have to budget. And I hated the 321 00:15:08,840 --> 00:15:11,480 Speaker 2: idea that I would put them out with decisions that 322 00:15:11,520 --> 00:15:13,520 Speaker 2: I was making. I don't think it's a secret that 323 00:15:13,600 --> 00:15:16,720 Speaker 2: sometimes I do have quite expensive taste. And I just 324 00:15:16,800 --> 00:15:20,200 Speaker 2: fell in love with a specific pair of shoes that 325 00:15:20,240 --> 00:15:22,680 Speaker 2: I really wanted my bridesmaids to have, and I was 326 00:15:22,760 --> 00:15:25,920 Speaker 2: just like, there's no way I could ever ask them 327 00:15:25,960 --> 00:15:28,160 Speaker 2: to pay for that. All of them were obsessed, and 328 00:15:28,200 --> 00:15:29,640 Speaker 2: I was like, let's just make this one of their 329 00:15:29,680 --> 00:15:32,080 Speaker 2: wedding presents like a present from me, like they can 330 00:15:32,120 --> 00:15:34,120 Speaker 2: wear them a million times after. I know they will 331 00:15:34,160 --> 00:15:36,360 Speaker 2: because they were all obsessed. But it's one of those 332 00:15:36,400 --> 00:15:40,680 Speaker 2: things where I had not comprehended the financial impacts of that, 333 00:15:40,720 --> 00:15:42,920 Speaker 2: even though they've surrounded me for a really long time. 334 00:15:42,960 --> 00:15:45,280 Speaker 2: It just went wow, like I would hate to put 335 00:15:45,280 --> 00:15:47,080 Speaker 2: my friends and family out. And I think it's a 336 00:15:47,120 --> 00:15:49,400 Speaker 2: different story money direst when you're like, oh, it's about 337 00:15:49,400 --> 00:15:51,240 Speaker 2: one hundred dollars and that's you know where it is. 338 00:15:51,280 --> 00:15:53,000 Speaker 2: I was always going to cover everything else. I feel 339 00:15:53,000 --> 00:15:55,520 Speaker 2: like that might be different than Okay, well, I expect 340 00:15:55,520 --> 00:15:57,120 Speaker 2: them to pay for my hand's party, and then a 341 00:15:57,120 --> 00:15:59,880 Speaker 2: pair of shoes, a specific pair of shoes, a specific dress. 342 00:16:00,000 --> 00:16:01,520 Speaker 2: I want them to pay for my hair or their 343 00:16:01,520 --> 00:16:03,560 Speaker 2: own hair and makeup, and it all just ends up 344 00:16:03,600 --> 00:16:07,200 Speaker 2: adding up, and it's just at what cost and it's 345 00:16:07,280 --> 00:16:10,840 Speaker 2: not yours anymore. It becomes maybe they can't go on 346 00:16:10,880 --> 00:16:13,640 Speaker 2: their friend trip to Bali anymore because they've spent you know, 347 00:16:13,680 --> 00:16:15,640 Speaker 2: seven or eight hundred dollars going to your wedding, or 348 00:16:15,680 --> 00:16:17,880 Speaker 2: maybe they can't do something for their mum, or they 349 00:16:17,880 --> 00:16:20,400 Speaker 2: can't do something for their own budget, and that just 350 00:16:20,440 --> 00:16:22,400 Speaker 2: blows my mind. And I think a lot of us 351 00:16:22,680 --> 00:16:24,280 Speaker 2: and do you sound like you're in the same ship 352 00:16:24,320 --> 00:16:26,720 Speaker 2: as me. We just hadn't thought about it before. 353 00:16:26,680 --> 00:16:30,200 Speaker 3: Until your posts. Honestly, I hadn't thought about it. And 354 00:16:30,240 --> 00:16:32,120 Speaker 3: then I put myself in those shoes that I'm like, 355 00:16:32,520 --> 00:16:34,960 Speaker 3: do I if I was asked to be a bridesmaid today, 356 00:16:35,320 --> 00:16:38,440 Speaker 3: have the funds to go and spend that amount with 357 00:16:38,920 --> 00:16:40,920 Speaker 3: my money goals at the moment? Would that be a 358 00:16:40,960 --> 00:16:43,480 Speaker 3: priority for me? And I you know, that's where I 359 00:16:43,480 --> 00:16:45,400 Speaker 3: put myself in that shoes, and I was like, Okay, 360 00:16:45,560 --> 00:16:48,240 Speaker 3: I don't want my wedding to be someone else's financial burden. 361 00:16:48,520 --> 00:16:49,720 Speaker 2: Yeah, that's so fair. 362 00:16:49,880 --> 00:16:52,320 Speaker 3: And I'd never thought of it that way before, so 363 00:16:52,400 --> 00:16:55,560 Speaker 3: I think that definitely reworked. When you posted that reel. 364 00:16:56,120 --> 00:16:57,760 Speaker 3: I messaged a few of my friends. One of my 365 00:16:57,760 --> 00:17:00,160 Speaker 3: bridesmaids was actually in a wedding not long ago, and 366 00:17:00,160 --> 00:17:02,560 Speaker 3: I just asked her the question, you know, what was 367 00:17:02,600 --> 00:17:05,160 Speaker 3: the situation, you know, and then I both my sister 368 00:17:05,160 --> 00:17:06,640 Speaker 3: in laws. Two of my sister in laws are also 369 00:17:06,720 --> 00:17:09,159 Speaker 3: getting married in the next year, and I asked them, like, 370 00:17:09,200 --> 00:17:11,400 Speaker 3: what they're planning on doing? So it's been a very 371 00:17:11,600 --> 00:17:15,040 Speaker 3: strong conversation between us sister in laws as well on 372 00:17:15,119 --> 00:17:18,359 Speaker 3: what we're going to do and what suits us. So 373 00:17:18,440 --> 00:17:21,120 Speaker 3: I think that definitely sparked a lot of more thoughts 374 00:17:21,160 --> 00:17:24,119 Speaker 3: and questions that I hadn't thought of before, and I 375 00:17:24,119 --> 00:17:25,520 Speaker 3: think it did that for a lot of people. 376 00:17:25,680 --> 00:17:28,720 Speaker 2: So I love But also stop dming me telling me 377 00:17:28,760 --> 00:17:29,760 Speaker 2: that I'm the devil, thank you. 378 00:17:30,400 --> 00:17:33,880 Speaker 3: Yeah, exactly, You're not the devil, not at all. You're 379 00:17:33,880 --> 00:17:35,919 Speaker 3: just thinking of our financial freedom. 380 00:17:36,800 --> 00:17:38,760 Speaker 2: All right. I want to know you've obviously got the 381 00:17:38,800 --> 00:17:42,040 Speaker 2: wedding coming up, but what is your big money goal currently? 382 00:17:42,440 --> 00:17:45,480 Speaker 3: So obviously the wedding, and then we really want to 383 00:17:45,520 --> 00:17:48,919 Speaker 3: build an emergency fund's account. We've got one in our 384 00:17:48,960 --> 00:17:52,159 Speaker 3: bank named emergency Funds, but it's yet to have money 385 00:17:52,240 --> 00:17:54,880 Speaker 3: put in it, so I think that's the big goal 386 00:17:54,920 --> 00:17:57,160 Speaker 3: for us. Building up a bit of an emergency funds 387 00:17:57,200 --> 00:18:00,880 Speaker 3: and a buffer in our mortgage repay account is also 388 00:18:00,880 --> 00:18:02,879 Speaker 3: our goal because we do want to start a family 389 00:18:02,920 --> 00:18:05,679 Speaker 3: after we get married, so we want to build a 390 00:18:05,680 --> 00:18:07,320 Speaker 3: little bit of a buffer in there just to help 391 00:18:07,359 --> 00:18:09,879 Speaker 3: with the mortgage repayments and things like that once I 392 00:18:10,000 --> 00:18:10,960 Speaker 3: go on maternity leave. 393 00:18:11,240 --> 00:18:14,160 Speaker 2: Yeah, how exciting. I like, how clear you've been on 394 00:18:14,200 --> 00:18:16,479 Speaker 2: all of these goals and what you're planning to achieve, 395 00:18:16,560 --> 00:18:20,240 Speaker 2: Like it blows my mind that, Oh it's so exciting. 396 00:18:20,359 --> 00:18:22,639 Speaker 3: It may also help to know my Aunie is a 397 00:18:22,680 --> 00:18:25,600 Speaker 3: mortgage broke up queen. She looks over my finances twenty 398 00:18:25,640 --> 00:18:28,560 Speaker 3: four seven, and since I was fourteen, asked those questions, 399 00:18:28,560 --> 00:18:32,680 Speaker 3: So I think she's really helped guide me finance wise, 400 00:18:32,960 --> 00:18:37,040 Speaker 3: making big decisions or the way I should structure things. 401 00:18:37,080 --> 00:18:38,440 Speaker 3: So that kind of helps as well. 402 00:18:38,440 --> 00:18:40,480 Speaker 2: I love that. All right, I have so many more 403 00:18:40,520 --> 00:18:42,240 Speaker 2: questions for you, and we're going to go to a 404 00:18:42,280 --> 00:18:44,280 Speaker 2: really quick break and then we'll get back to all 405 00:18:44,320 --> 00:18:51,159 Speaker 2: of those in a hot minute. Don't go anywhere, all right, 406 00:18:51,200 --> 00:18:53,840 Speaker 2: money diarist, We are back, and I have a question. 407 00:18:53,920 --> 00:18:55,720 Speaker 2: I want to talk more about your aunt because one 408 00:18:55,800 --> 00:18:58,000 Speaker 2: question I wrote down earlier when you were telling me 409 00:18:58,080 --> 00:18:59,959 Speaker 2: all about these accounts that you have, and you've got 410 00:19:00,000 --> 00:19:02,679 Speaker 2: your wedding dress fund and that fund name changes depending 411 00:19:02,680 --> 00:19:04,639 Speaker 2: on what your money goal is, I was like, how 412 00:19:04,760 --> 00:19:07,800 Speaker 2: on earth did you manage to learn how to manage 413 00:19:07,840 --> 00:19:10,280 Speaker 2: money in this way? Because it sounds like you have 414 00:19:10,440 --> 00:19:14,600 Speaker 2: really clear goals and really clear ideas of cash flow 415 00:19:14,640 --> 00:19:17,480 Speaker 2: and budgeting. Where did this come from? How did you 416 00:19:17,600 --> 00:19:18,639 Speaker 2: learn about money? 417 00:19:18,760 --> 00:19:22,840 Speaker 3: It definitely came from a combination of my dad and 418 00:19:22,920 --> 00:19:27,080 Speaker 3: my auntie seeing my dad struggle and then my auntie 419 00:19:27,560 --> 00:19:30,280 Speaker 3: be in the finance industry my whole life. We had 420 00:19:30,280 --> 00:19:33,000 Speaker 3: a lot of strong conversations about that. And from the 421 00:19:33,080 --> 00:19:35,040 Speaker 3: day I got my first job, I used to write out, 422 00:19:35,080 --> 00:19:36,880 Speaker 3: just on a notepad, how much I got paid each 423 00:19:36,920 --> 00:19:38,880 Speaker 3: week and what my bills were or what my expenses 424 00:19:38,880 --> 00:19:40,840 Speaker 3: were that week. So since the day I got my 425 00:19:40,960 --> 00:19:43,720 Speaker 3: very first paychecked, I've had a written budget and to 426 00:19:43,760 --> 00:19:46,280 Speaker 3: this day, I still have a written budget. I like 427 00:19:46,480 --> 00:19:49,959 Speaker 3: pen to paper, I like seeing things written, So I 428 00:19:50,040 --> 00:19:54,080 Speaker 3: still to this day have a written out budget that 429 00:19:54,160 --> 00:19:57,000 Speaker 3: I work from. And I think my Annie definitely helped 430 00:19:57,200 --> 00:20:02,159 Speaker 3: with navigating how I work my finances and how I 431 00:20:02,280 --> 00:20:05,080 Speaker 3: navigate those things because from day one, I paid for 432 00:20:05,080 --> 00:20:07,480 Speaker 3: my very first car at seventeen, and that was something 433 00:20:07,480 --> 00:20:09,720 Speaker 3: I had to budget for as a sixteen year old working. 434 00:20:09,840 --> 00:20:12,840 Speaker 3: So I've always had money goals or something I was 435 00:20:12,840 --> 00:20:15,680 Speaker 3: saving for, and I knew the only way to save 436 00:20:16,000 --> 00:20:18,199 Speaker 3: or get there was to budget for it. 437 00:20:18,400 --> 00:20:21,520 Speaker 2: Yeah. Amazing, And is this something that your aunt just 438 00:20:21,560 --> 00:20:23,680 Speaker 2: sat you down when you were young and said this 439 00:20:23,720 --> 00:20:26,159 Speaker 2: is stuff you need to know, or were you tenacious 440 00:20:26,160 --> 00:20:28,919 Speaker 2: and asking these questions or how did these conversations come up, 441 00:20:29,040 --> 00:20:31,840 Speaker 2: especially with an aunt, because I feel like that isn't 442 00:20:31,880 --> 00:20:33,119 Speaker 2: going to happen for everybody. 443 00:20:33,280 --> 00:20:37,200 Speaker 3: No, I think my Annie really stepped into a little 444 00:20:37,200 --> 00:20:39,760 Speaker 3: bit of a mother role when my parents split. My 445 00:20:39,800 --> 00:20:42,520 Speaker 3: Annie doesn't have children of her own, so I think, 446 00:20:42,640 --> 00:20:44,879 Speaker 3: and when my parents split, actually we lived with my 447 00:20:44,920 --> 00:20:47,720 Speaker 3: Annie for a bit of time. It was not a 448 00:20:47,840 --> 00:20:50,080 Speaker 3: great split, so we weren't allowed to be at the 449 00:20:50,119 --> 00:20:51,960 Speaker 3: house at the time, so we did live with my 450 00:20:52,040 --> 00:20:54,000 Speaker 3: Annie for a little period of time there. So I 451 00:20:54,040 --> 00:20:58,040 Speaker 3: think she really stepped into you need a figure in 452 00:20:58,080 --> 00:21:01,040 Speaker 3: your life that's a mother and that on. And we 453 00:21:01,119 --> 00:21:02,760 Speaker 3: had a lot of conversations about that, and I could 454 00:21:02,760 --> 00:21:05,160 Speaker 3: always ask her anything, and you know, as a teenager, 455 00:21:05,200 --> 00:21:07,200 Speaker 3: sometimes that got uncomfortable or there was things I didn't 456 00:21:07,200 --> 00:21:09,679 Speaker 3: want to tell her because you know, teenagers. 457 00:21:09,240 --> 00:21:11,080 Speaker 2: Of course, but they've got to have some level of 458 00:21:11,119 --> 00:21:13,000 Speaker 2: privacy as a sixteen year old. 459 00:21:13,000 --> 00:21:16,040 Speaker 3: Definitely, But I think, yeah, we spoke a lot, and 460 00:21:16,080 --> 00:21:18,560 Speaker 3: we had a little tradition back then where we used 461 00:21:18,600 --> 00:21:20,680 Speaker 3: to when I was still in school. It was a 462 00:21:20,720 --> 00:21:22,280 Speaker 3: breakfast every week. She used to take me and my 463 00:21:22,320 --> 00:21:24,480 Speaker 3: brother just down in Macis for breakfast, and when we 464 00:21:24,520 --> 00:21:26,960 Speaker 3: finished school it was Sunday, didn'ts I'd have dinner with 465 00:21:27,000 --> 00:21:29,400 Speaker 3: her every Sunday, just me and her and and we'd 466 00:21:29,440 --> 00:21:31,119 Speaker 3: talk about a lot of those things, or what my 467 00:21:31,200 --> 00:21:33,320 Speaker 3: goals were and what I was working towards. So I 468 00:21:33,320 --> 00:21:36,639 Speaker 3: think it was a bit of both me asking questions 469 00:21:36,840 --> 00:21:40,240 Speaker 3: and her giving advice. I mean, when I got my 470 00:21:40,280 --> 00:21:42,840 Speaker 3: first thirty thousand dollar alone, I didn't tell her, and she. 471 00:21:43,000 --> 00:21:46,240 Speaker 2: Was not in tru as a mortgage broker, she would 472 00:21:46,240 --> 00:21:48,160 Speaker 2: have been a little bit salty on you, my friend. 473 00:21:48,480 --> 00:21:52,000 Speaker 3: I got in a lot of trouble for that. But yeah, 474 00:21:52,040 --> 00:21:55,000 Speaker 3: I think I go to her with anything when it 475 00:21:55,040 --> 00:21:59,560 Speaker 3: comes to money or big decisions to make. And also 476 00:21:59,600 --> 00:22:01,719 Speaker 3: when into buying the house, it was a given that 477 00:22:02,119 --> 00:22:04,840 Speaker 3: she was very, very involved in that and helped us 478 00:22:04,880 --> 00:22:06,840 Speaker 3: immensely and I couldn't thank her enough for that. So 479 00:22:06,880 --> 00:22:11,200 Speaker 3: I think that definitely helped in navigating where I wanted 480 00:22:11,200 --> 00:22:13,639 Speaker 3: to go with my finances from a very young age. 481 00:22:13,680 --> 00:22:16,439 Speaker 2: It sounds like you are surrounded by some very beautiful people. 482 00:22:16,680 --> 00:22:18,480 Speaker 3: I really am. I'm very blessed. 483 00:22:18,520 --> 00:22:20,800 Speaker 2: I love it all right. I want to know. Next 484 00:22:20,920 --> 00:22:24,160 Speaker 2: question is do you have any investments? If so, what 485 00:22:24,200 --> 00:22:25,920 Speaker 2: are they? If not, what do you want to do? 486 00:22:26,400 --> 00:22:30,920 Speaker 3: Okay, so super yes, of course I have about forty 487 00:22:30,920 --> 00:22:31,800 Speaker 3: two and a half thousand. 488 00:22:32,080 --> 00:22:34,080 Speaker 2: Hey, that's pretty good for your age. 489 00:22:34,520 --> 00:22:40,359 Speaker 3: Yeah. I did take ten thousand out during COVID, knowing 490 00:22:40,400 --> 00:22:42,320 Speaker 3: what I know now, I wish I didn't, but we. 491 00:22:42,320 --> 00:22:44,920 Speaker 2: All learn, and to be honest, I feel like sometimes 492 00:22:44,920 --> 00:22:45,840 Speaker 2: we really needed to. 493 00:22:46,320 --> 00:22:48,200 Speaker 3: Yeah. I had a little bit of debt at the time, 494 00:22:48,400 --> 00:22:50,199 Speaker 3: and I knew it would help get rid of that. 495 00:22:50,320 --> 00:22:52,280 Speaker 3: So I had about six grand left on my debt 496 00:22:52,640 --> 00:22:54,720 Speaker 3: and I paid that often. Then I put the remaining 497 00:22:54,960 --> 00:22:57,720 Speaker 3: towards our account that we knew. We were already starting 498 00:22:57,760 --> 00:23:01,119 Speaker 3: to save for a house, so it kind of helped 499 00:23:01,160 --> 00:23:02,879 Speaker 3: with that. I didn't use it to go and you know, 500 00:23:02,960 --> 00:23:03,960 Speaker 3: spend on silly things. 501 00:23:04,040 --> 00:23:07,080 Speaker 2: Hey, lots of people bought flat screen TVs, so you 502 00:23:07,160 --> 00:23:10,199 Speaker 2: are totally working towards the right financial goals here. 503 00:23:10,280 --> 00:23:13,520 Speaker 3: My love did not do that. So my yeah, forty 504 00:23:13,560 --> 00:23:15,440 Speaker 3: two and a half in that, and my auntie looks 505 00:23:15,440 --> 00:23:18,720 Speaker 3: over my stupid to make sure it's invested to get 506 00:23:18,720 --> 00:23:22,240 Speaker 3: the best return. Chesi's I at this point have only 507 00:23:22,280 --> 00:23:24,840 Speaker 3: put five dollars in. I want to work on being 508 00:23:24,880 --> 00:23:28,680 Speaker 3: more consistent at putting a little bit in each week 509 00:23:28,760 --> 00:23:29,760 Speaker 3: or each fortnite. 510 00:23:29,840 --> 00:23:32,399 Speaker 2: But that's leaps and bounds in front of everybody else, 511 00:23:32,440 --> 00:23:34,920 Speaker 2: because I feel like so many times people just don't 512 00:23:34,960 --> 00:23:37,480 Speaker 2: even take the step of picking a platform or even 513 00:23:37,520 --> 00:23:39,920 Speaker 2: putting their first few dollars on that platform, and it 514 00:23:40,600 --> 00:23:42,720 Speaker 2: feels like a small step. You might go, oh, that's 515 00:23:42,760 --> 00:23:45,560 Speaker 2: not much, but that's massive. That's the step that everybody 516 00:23:45,560 --> 00:23:46,320 Speaker 2: struggles with. 517 00:23:46,480 --> 00:23:47,760 Speaker 3: I think I actually had a little bit of a 518 00:23:47,800 --> 00:23:49,639 Speaker 3: money in there too. When I signed up. I forgot 519 00:23:49,640 --> 00:23:51,560 Speaker 3: to use the shehes on the money code no, and 520 00:23:51,600 --> 00:23:53,439 Speaker 3: then I heard it on one of the podcasts like 521 00:23:53,480 --> 00:23:56,240 Speaker 3: the next day, and so I emailed them and they 522 00:23:56,640 --> 00:24:01,800 Speaker 3: manually added the credits their angels. So that was a 523 00:24:01,840 --> 00:24:02,760 Speaker 3: little bit of a money win. 524 00:24:02,960 --> 00:24:03,879 Speaker 2: Oh how good. 525 00:24:04,200 --> 00:24:06,960 Speaker 3: Yeah, so that's purely just from listening to the podcast 526 00:24:07,000 --> 00:24:08,200 Speaker 3: on Cheesi's. 527 00:24:08,320 --> 00:24:08,480 Speaker 1: Yeah. 528 00:24:08,560 --> 00:24:11,520 Speaker 2: See, free money. That's a good return on your investment. 529 00:24:11,640 --> 00:24:12,160 Speaker 2: Free money. 530 00:24:12,200 --> 00:24:13,800 Speaker 3: I'm here for free money always. 531 00:24:13,880 --> 00:24:15,879 Speaker 2: I love it. So what are you planning to do 532 00:24:15,960 --> 00:24:17,080 Speaker 2: with your Chasia's account. 533 00:24:17,240 --> 00:24:20,240 Speaker 3: I don't know enough yet. I want to buy the second. 534 00:24:20,280 --> 00:24:22,280 Speaker 3: She's on the money book obviously to learn some more, 535 00:24:22,359 --> 00:24:24,240 Speaker 3: and it is a conversation my partner and I have 536 00:24:24,320 --> 00:24:26,560 Speaker 3: been having. He wants to sort of get into the 537 00:24:26,560 --> 00:24:29,199 Speaker 3: investment space a little bit more as well. So I 538 00:24:29,240 --> 00:24:31,399 Speaker 3: think just dipping my toes in and just showing me 539 00:24:31,480 --> 00:24:33,400 Speaker 3: a little bit more and learning a little bit more 540 00:24:33,440 --> 00:24:35,400 Speaker 3: about it is where I'm at at this stage. 541 00:24:35,600 --> 00:24:38,280 Speaker 2: You love all right? I want to know we've already 542 00:24:38,320 --> 00:24:40,359 Speaker 2: spoken about how you had a debt, and then you 543 00:24:40,400 --> 00:24:43,200 Speaker 2: mentioned earlier that you paid it off with money from 544 00:24:43,200 --> 00:24:44,879 Speaker 2: your super But I want to know do you have 545 00:24:44,920 --> 00:24:46,400 Speaker 2: any debts? If so, what are they. 546 00:24:46,560 --> 00:24:50,000 Speaker 3: So we have the mortgage, obviously, which is about four 547 00:24:50,080 --> 00:24:53,200 Speaker 3: hundred and thirty thousand. We only bought the place six 548 00:24:53,240 --> 00:24:55,240 Speaker 3: months ago, so we've only just been here six months, 549 00:24:55,920 --> 00:24:57,960 Speaker 3: and interest rate rises have not been fun. 550 00:24:58,119 --> 00:25:00,199 Speaker 2: But your aunts some mortgage brokeers. So I'm sure or 551 00:25:00,240 --> 00:25:01,639 Speaker 2: that she is all over that for you. 552 00:25:02,160 --> 00:25:04,399 Speaker 3: She definitely is. We were very lucky we had a 553 00:25:04,440 --> 00:25:07,360 Speaker 3: guaranteur as well. When we bought our place. My partner's 554 00:25:07,440 --> 00:25:10,200 Speaker 3: parents offered to go guarantee to help us out, which 555 00:25:10,280 --> 00:25:11,120 Speaker 3: was really amazing. 556 00:25:11,160 --> 00:25:12,200 Speaker 2: How good is that? 557 00:25:12,560 --> 00:25:15,399 Speaker 3: Yeah, we're very very lucky for them, and we probably 558 00:25:15,400 --> 00:25:17,840 Speaker 3: wouldn't be in the position we're in without them because 559 00:25:17,840 --> 00:25:21,320 Speaker 3: we wouldn't have had enough for a deposit. So we 560 00:25:21,320 --> 00:25:23,560 Speaker 3: were very lucky there and that allowed us to have 561 00:25:23,600 --> 00:25:25,600 Speaker 3: a little bit of a smaller deposit so we could 562 00:25:26,200 --> 00:25:29,360 Speaker 3: spend money on furniture and setting ourselves up. So that's 563 00:25:29,359 --> 00:25:32,840 Speaker 3: sitting at about four hundred and thirty thousand. In October, 564 00:25:32,920 --> 00:25:36,200 Speaker 3: we also bought a brand new car, which we financed 565 00:25:36,400 --> 00:25:39,120 Speaker 3: at about sixty grand, owing. 566 00:25:39,200 --> 00:25:41,320 Speaker 2: I want to know what car that is? Sixty grand? 567 00:25:41,359 --> 00:25:42,439 Speaker 2: What are you spending that on? 568 00:25:42,600 --> 00:25:45,760 Speaker 3: It's an Azuzu Dmac, top of the line. It's beautiful. 569 00:25:45,840 --> 00:25:46,920 Speaker 3: We absolutely love it. 570 00:25:47,040 --> 00:25:48,760 Speaker 2: A big dog car, big dog car. 571 00:25:49,160 --> 00:25:51,360 Speaker 3: However, we did just put it up for sale last night. 572 00:25:51,520 --> 00:25:52,880 Speaker 2: Why did you choose to do that? 573 00:25:53,160 --> 00:25:56,240 Speaker 3: Wasn't planned. My partner changed jobs recently where we took 574 00:25:56,240 --> 00:25:59,280 Speaker 3: a little bit, well quite a significant pay cut for 575 00:26:00,240 --> 00:26:02,440 Speaker 3: a long term gain. It's going to be once he 576 00:26:02,480 --> 00:26:04,640 Speaker 3: gets off probation, he's going to be earning commissions. 577 00:26:04,800 --> 00:26:06,879 Speaker 2: Oh how exciting, which will. 578 00:26:06,760 --> 00:26:08,840 Speaker 3: Significantly put us in a better place. But for the 579 00:26:08,840 --> 00:26:12,160 Speaker 3: time being, we're taking a little bit of a hit, 580 00:26:12,359 --> 00:26:14,320 Speaker 3: and we sort of sat down and worked out what 581 00:26:14,400 --> 00:26:18,480 Speaker 3: expenses can we minimize and what are our goals and 582 00:26:18,680 --> 00:26:22,520 Speaker 3: having that car at the moment just doesn't really align 583 00:26:22,640 --> 00:26:24,760 Speaker 3: with our goals. We should have, you know, thought about 584 00:26:24,800 --> 00:26:26,919 Speaker 3: that six months ago when we were just about to 585 00:26:26,960 --> 00:26:29,480 Speaker 3: get it, but we didn't really think that far ahead. 586 00:26:29,520 --> 00:26:31,679 Speaker 3: We just got caught up in the moment of you know, 587 00:26:31,800 --> 00:26:33,800 Speaker 3: we're getting our first ever brand new car off the 588 00:26:33,840 --> 00:26:38,119 Speaker 3: showroom floor that we didn't forecast what would happen. So 589 00:26:38,520 --> 00:26:40,880 Speaker 3: we made that decision this week that it's the best 590 00:26:40,880 --> 00:26:43,679 Speaker 3: thing for us to minimize that. So we actually listed 591 00:26:43,680 --> 00:26:46,520 Speaker 3: it last night, and with the market at the moment, 592 00:26:46,600 --> 00:26:48,520 Speaker 3: we can actually make a little bit of money or 593 00:26:48,720 --> 00:26:51,520 Speaker 3: break even with it because it holds its value quite well. 594 00:26:51,600 --> 00:26:53,560 Speaker 3: So we've got someone coming to look. 595 00:26:53,560 --> 00:26:56,200 Speaker 2: Already already it were up last night. 596 00:26:56,680 --> 00:26:58,320 Speaker 3: Yeah, we put it up last night and they're coming 597 00:26:58,320 --> 00:27:01,840 Speaker 3: this week and they're pretty keen. So if we sell that, 598 00:27:01,920 --> 00:27:03,720 Speaker 3: we'll get rid of that debt straight away. 599 00:27:03,800 --> 00:27:05,639 Speaker 2: Yeah. Do you know what. I find that to be 600 00:27:05,840 --> 00:27:08,520 Speaker 2: a really mature decision to be making as well, because 601 00:27:08,560 --> 00:27:10,640 Speaker 2: I think a lot of people, especially because the car 602 00:27:10,680 --> 00:27:13,960 Speaker 2: is only six months old, would be so emotionally invested 603 00:27:14,040 --> 00:27:15,800 Speaker 2: in that vehicle, that they'd be like, no, I can't 604 00:27:15,800 --> 00:27:17,359 Speaker 2: get rid of it. It's too new, it's to this, 605 00:27:17,440 --> 00:27:19,360 Speaker 2: it's too that. I feel like, that's such a good 606 00:27:19,400 --> 00:27:24,200 Speaker 2: financial decision where you're taking the holistic picture into consideration, 607 00:27:24,400 --> 00:27:26,560 Speaker 2: and I feel like too often we get too caught 608 00:27:26,640 --> 00:27:28,960 Speaker 2: up in our egos, like, oh, well, what might people 609 00:27:29,000 --> 00:27:30,760 Speaker 2: think if they see us buying a car and then 610 00:27:30,800 --> 00:27:33,400 Speaker 2: selling it within six months? Like, I just think it's 611 00:27:33,440 --> 00:27:36,320 Speaker 2: so smart and so mature, and I really respect that. 612 00:27:36,600 --> 00:27:39,040 Speaker 3: I think when I first started mentioning it to a 613 00:27:39,080 --> 00:27:41,439 Speaker 3: few of my friends this week that knew how excited 614 00:27:41,440 --> 00:27:43,359 Speaker 3: we were when we got the car. To be honest, 615 00:27:43,400 --> 00:27:45,280 Speaker 3: I was a little bit embarrassed. I had a moment 616 00:27:45,359 --> 00:27:47,680 Speaker 3: that I was like, oh my god. But then when 617 00:27:47,680 --> 00:27:49,520 Speaker 3: I step back and look at the bigger picture, I'm 618 00:27:49,560 --> 00:27:54,080 Speaker 3: not embarrassed because we're putting us first. We're making the 619 00:27:54,119 --> 00:27:58,040 Speaker 3: best financial decision for us and our goals, and having 620 00:27:58,040 --> 00:28:01,000 Speaker 3: that car isn't doing anything to contribute to our goals 621 00:28:01,080 --> 00:28:03,879 Speaker 3: right now. So what is the point of spending the 622 00:28:04,160 --> 00:28:08,480 Speaker 3: amount we're spending each week to run this car when 623 00:28:08,760 --> 00:28:12,479 Speaker 3: our goals are a wedding and to build emergency funds? 624 00:28:12,520 --> 00:28:14,359 Speaker 3: And to start a family in the next two years. 625 00:28:14,440 --> 00:28:17,240 Speaker 3: So it just doesn't really align with where we're at 626 00:28:17,320 --> 00:28:19,600 Speaker 3: right now. And that was where we made that decision. 627 00:28:19,640 --> 00:28:21,600 Speaker 3: And I was embarrassed for a moment, and then I 628 00:28:21,640 --> 00:28:23,760 Speaker 3: stood back and thought, I don't really care what people think. 629 00:28:23,760 --> 00:28:27,320 Speaker 4: This is for us, you know when I love these Yeah, 630 00:28:27,400 --> 00:28:29,399 Speaker 4: I feel like I brought that up because I was like, 631 00:28:29,440 --> 00:28:31,359 Speaker 4: I feel like so many people would be in that 632 00:28:31,400 --> 00:28:33,680 Speaker 4: position where their ego might be a little bit more 633 00:28:33,720 --> 00:28:36,840 Speaker 4: than what, yeah, what they can handle, and I just 634 00:28:36,880 --> 00:28:39,680 Speaker 4: feel like hearing that might give people permission. 635 00:28:39,240 --> 00:28:40,840 Speaker 2: To go, you know what, it doesn't actually matter what 636 00:28:40,880 --> 00:28:42,760 Speaker 2: other people think. How good is it that we're putting 637 00:28:42,880 --> 00:28:44,960 Speaker 2: us first or we're doing the right thing for what 638 00:28:45,000 --> 00:28:47,560 Speaker 2: we need to do. I just think that's yeah. Just 639 00:28:47,720 --> 00:28:49,640 Speaker 2: I love it. I love it. It makes me so happy. 640 00:28:50,440 --> 00:28:52,520 Speaker 2: It sounds like you have some really good money habits, 641 00:28:52,520 --> 00:28:54,120 Speaker 2: So I want to note, what do you think your 642 00:28:54,160 --> 00:28:55,440 Speaker 2: best money habit is. 643 00:28:55,880 --> 00:28:59,720 Speaker 3: I'm very rugal in a way, like I buy, we 644 00:28:59,760 --> 00:29:02,120 Speaker 3: buy what we want when we want. We're not you know, 645 00:29:02,480 --> 00:29:05,160 Speaker 3: you can't have it, but I shop a lot when 646 00:29:05,200 --> 00:29:08,160 Speaker 3: things are on sale or I shop around. I also 647 00:29:08,280 --> 00:29:10,959 Speaker 3: have car insurance with Woolworth so it gets me at 648 00:29:10,960 --> 00:29:13,080 Speaker 3: ten percent off one shop a month, as well as 649 00:29:13,720 --> 00:29:16,160 Speaker 3: the Everyday Extra program which I heard about on your 650 00:29:16,200 --> 00:29:17,440 Speaker 3: podcast actually. 651 00:29:17,200 --> 00:29:19,640 Speaker 2: Which we got from the community. I can't take any 652 00:29:19,680 --> 00:29:21,720 Speaker 2: credit for this. I feel like you guys have all 653 00:29:21,760 --> 00:29:24,160 Speaker 2: the good ideas, even the idea that you get ten 654 00:29:24,160 --> 00:29:27,800 Speaker 2: percent off once a month by having Woolworth's insurance. Like 655 00:29:27,880 --> 00:29:28,760 Speaker 2: that's pretty cool. 656 00:29:29,160 --> 00:29:32,160 Speaker 3: Yeah, So I sort of. I look around. I get 657 00:29:32,200 --> 00:29:35,760 Speaker 3: you know, discounts on the shopping things like that always. 658 00:29:35,920 --> 00:29:38,000 Speaker 3: You know, if I need pet food, I'll look around 659 00:29:38,040 --> 00:29:40,560 Speaker 3: at where it might be on sale. I try not 660 00:29:40,640 --> 00:29:42,920 Speaker 3: to pay, you know, the highest price for things. I 661 00:29:43,000 --> 00:29:46,960 Speaker 3: budget that way. I also do some online surveys every 662 00:29:47,040 --> 00:29:49,200 Speaker 3: now and then to get money to go towards like 663 00:29:49,280 --> 00:29:52,400 Speaker 3: fuel or groceries. I think that's my best money habit. 664 00:29:52,480 --> 00:29:54,760 Speaker 3: I'm frugal. I you know, when we get bills, I 665 00:29:54,840 --> 00:29:56,720 Speaker 3: will look over them and if something doesn't look right, 666 00:29:56,800 --> 00:29:59,160 Speaker 3: or question it. I like to always know where my 667 00:29:59,200 --> 00:30:01,960 Speaker 3: money is going at my money is working for me 668 00:30:02,040 --> 00:30:03,480 Speaker 3: in the best WAYE possible. 669 00:30:03,760 --> 00:30:04,000 Speaker 1: Love. 670 00:30:04,160 --> 00:30:06,360 Speaker 2: I don't even know if the right word there is frugal. 671 00:30:06,400 --> 00:30:08,760 Speaker 2: It sounds like you're just super resourceful. You're like, I'm 672 00:30:08,760 --> 00:30:10,760 Speaker 2: going to find the right deal. I'm going to get 673 00:30:10,800 --> 00:30:13,040 Speaker 2: the best bang for my buck. I'm going to put 674 00:30:13,040 --> 00:30:15,720 Speaker 2: myself in the best position. Like that's not being frugal, 675 00:30:15,920 --> 00:30:17,920 Speaker 2: not at all. I feel like that's just being super 676 00:30:17,960 --> 00:30:20,400 Speaker 2: resourceful and smart with your money, and we all should 677 00:30:20,440 --> 00:30:21,000 Speaker 2: be doing that. 678 00:30:21,080 --> 00:30:22,800 Speaker 3: I mean, we work hard for our money. Why are 679 00:30:22,800 --> 00:30:24,920 Speaker 3: we throwing it away? With that question? 680 00:30:25,160 --> 00:30:28,960 Speaker 2: One hundred percent all right to slip that on its head. 681 00:30:29,000 --> 00:30:31,080 Speaker 2: I feel like you are super resourceful. I wouldn't know 682 00:30:31,440 --> 00:30:32,920 Speaker 2: what's your worst money habit. 683 00:30:33,160 --> 00:30:35,479 Speaker 3: When it comes to other people. I will just spend 684 00:30:36,200 --> 00:30:40,360 Speaker 3: I'm you know, birthdays, Christmas presents, just because I don't 685 00:30:40,360 --> 00:30:44,040 Speaker 3: ever really second guess or second question myself on spending 686 00:30:44,040 --> 00:30:48,760 Speaker 3: money on others and transferring out of my personal savings. 687 00:30:48,840 --> 00:30:50,959 Speaker 3: I need to get a little bit better at when 688 00:30:51,000 --> 00:30:53,720 Speaker 3: I put money in there. It's you know, my little buffer. 689 00:30:53,800 --> 00:30:55,880 Speaker 3: But that doesn't just mean I can you know, I 690 00:30:55,920 --> 00:30:58,160 Speaker 3: want a coffee and there's you know, not much money 691 00:30:58,200 --> 00:31:00,200 Speaker 3: left in my account, I'll just transfer out. I think 692 00:31:00,240 --> 00:31:02,520 Speaker 3: that's probably my worst habit, is putting money in my 693 00:31:02,640 --> 00:31:05,760 Speaker 3: personal savings and then just being like, oh, I'll just 694 00:31:05,800 --> 00:31:06,640 Speaker 3: transfer it back out. 695 00:31:06,760 --> 00:31:06,960 Speaker 1: Yeah. 696 00:31:06,960 --> 00:31:08,720 Speaker 2: I feel like a lot of us are guilty of that, 697 00:31:08,800 --> 00:31:10,920 Speaker 2: and it seems to be a consistent She's on the 698 00:31:10,960 --> 00:31:13,760 Speaker 2: money community member trait to always spend a lot of 699 00:31:13,840 --> 00:31:16,280 Speaker 2: money on other people. I feel like we are all 700 00:31:16,760 --> 00:31:20,240 Speaker 2: very similar piece in a very similar pod. In that case, Yep, 701 00:31:20,400 --> 00:31:20,880 Speaker 2: I'm a giver. 702 00:31:21,040 --> 00:31:23,640 Speaker 3: I'll spend money on other people without question, but I 703 00:31:23,680 --> 00:31:25,680 Speaker 3: will always question it if I'm going to buy something 704 00:31:25,680 --> 00:31:26,200 Speaker 3: for myself. 705 00:31:26,240 --> 00:31:28,680 Speaker 2: I kind of love it. We all care about everybody else, 706 00:31:28,920 --> 00:31:30,479 Speaker 2: which is really sweet, but we need to care more 707 00:31:30,520 --> 00:31:33,920 Speaker 2: about ourselves and our own financial futures sometimes too. We do, 708 00:31:34,120 --> 00:31:36,640 Speaker 2: we do all right? I want to wrap back around 709 00:31:36,680 --> 00:31:38,560 Speaker 2: to the very start of this episode. You told me 710 00:31:38,640 --> 00:31:40,800 Speaker 2: that you think that maybe you've got a money grade 711 00:31:40,840 --> 00:31:43,120 Speaker 2: of like a BEE or a B minus. But you've 712 00:31:43,160 --> 00:31:45,200 Speaker 2: just told me all of this awesome stuff, Like you're 713 00:31:45,200 --> 00:31:47,680 Speaker 2: an account's clerk, you are working over time, you are 714 00:31:47,720 --> 00:31:50,360 Speaker 2: doing Uber eats, you are doing online surveys to bring 715 00:31:50,360 --> 00:31:53,080 Speaker 2: in more income. You have forty two grand in superannuation, 716 00:31:53,480 --> 00:31:56,520 Speaker 2: You've got a mortgage, you are always on top of it. 717 00:31:56,560 --> 00:31:59,640 Speaker 2: You've just started investing like you are selling a car 718 00:31:59,680 --> 00:32:02,400 Speaker 2: because you're literally like, I don't even care about my ego. 719 00:32:02,560 --> 00:32:04,440 Speaker 2: I am going to put that aside and put out 720 00:32:04,440 --> 00:32:07,640 Speaker 2: financial futures first. My friend, do you really think that 721 00:32:07,680 --> 00:32:10,240 Speaker 2: you're a beer a B minus after having this conversation? 722 00:32:10,680 --> 00:32:12,000 Speaker 3: I mean maybe not. 723 00:32:13,880 --> 00:32:17,080 Speaker 5: What do you think is maybe a little bit more accurate, 724 00:32:17,560 --> 00:32:19,440 Speaker 5: maybe like an A minus. 725 00:32:19,560 --> 00:32:22,320 Speaker 2: Yeah that feels a little bit more comfortable for me too. 726 00:32:23,120 --> 00:32:23,360 Speaker 5: Yeah. 727 00:32:23,480 --> 00:32:26,040 Speaker 2: I just feel like you are killing it, like knowing 728 00:32:26,080 --> 00:32:28,480 Speaker 2: how you learn to manage money, and that your dad 729 00:32:28,480 --> 00:32:31,000 Speaker 2: and your aunt are so supportive, and that you know 730 00:32:31,080 --> 00:32:34,160 Speaker 2: even though you grew up in a relatively low income 731 00:32:34,280 --> 00:32:37,360 Speaker 2: family and you learn about debt really early. I feel 732 00:32:37,400 --> 00:32:39,720 Speaker 2: like you've just got these great money habits and you're 733 00:32:39,840 --> 00:32:42,000 Speaker 2: you know, growing that and putting yourself in a position 734 00:32:42,000 --> 00:32:44,520 Speaker 2: where you've got this home and you're planning your dream 735 00:32:44,560 --> 00:32:47,720 Speaker 2: wedding and you're planning on starting a family. Like that's 736 00:32:47,760 --> 00:32:52,840 Speaker 2: all so exciting and usually very very financially taxing, but 737 00:32:52,840 --> 00:32:54,640 Speaker 2: you seem to be taking it all in your stride. 738 00:32:54,760 --> 00:32:56,040 Speaker 2: Like I feel like so many people are going to 739 00:32:56,120 --> 00:32:58,120 Speaker 2: listen to this and be like, oh, she's exactly who 740 00:32:58,120 --> 00:32:59,760 Speaker 2: we want to be, Like what a queen? 741 00:33:00,920 --> 00:33:01,320 Speaker 3: Thank you? 742 00:33:01,880 --> 00:33:04,880 Speaker 2: I love it. Well, Unfortunately, that is all we have 743 00:33:04,960 --> 00:33:07,320 Speaker 2: time for today. Thank you so much for joining us 744 00:33:07,320 --> 00:33:09,480 Speaker 2: and sharing your money story with us. Money Drest, I 745 00:33:09,480 --> 00:33:11,440 Speaker 2: have adored this and adored this chat. I feel like 746 00:33:11,440 --> 00:33:12,440 Speaker 2: we're best friends now. 747 00:33:12,600 --> 00:33:15,240 Speaker 3: I'm not mad about it at all. Thank you so much. 748 00:33:15,280 --> 00:33:17,040 Speaker 2: It's been amazing of course. 749 00:33:17,280 --> 00:33:25,840 Speaker 5: Oh, the advice shared on She's on the Money is 750 00:33:25,920 --> 00:33:29,520 Speaker 5: general in nature and does not consider your individual circumstances. 751 00:33:29,880 --> 00:33:33,280 Speaker 5: She's on the Money exists purely for educational purposes and 752 00:33:33,320 --> 00:33:35,760 Speaker 5: should not be relied upon to make an investment or 753 00:33:35,840 --> 00:33:36,840 Speaker 5: financial decision. 754 00:33:37,240 --> 00:33:39,480 Speaker 2: If you do choose to buy a financial. 755 00:33:39,040 --> 00:33:43,360 Speaker 5: Product, read the PDS TMD and obtain appropriate financial advice. 756 00:33:43,080 --> 00:33:44,440 Speaker 2: Tailored towards your needs. 757 00:33:44,760 --> 00:33:48,720 Speaker 5: Victoria Divine and She's on the Money are authorized representatives 758 00:33:48,760 --> 00:33:52,640 Speaker 5: of Money. Sheper pty Ltd ABN three two one IS 759 00:33:52,680 --> 00:33:56,560 Speaker 5: six four nine two seven seven zero eight AFSL four 760 00:33:56,640 --> 00:34:02,640 Speaker 5: five one two eight ninet