1
00:00:00,200 --> 00:00:05,880
Speaker 1: She's on the Money. She's on the Money.

2
00:00:17,360 --> 00:00:20,440
Speaker 2: Hello, and welcome to She's on the Money, the podcast

3
00:00:20,520 --> 00:00:24,360
Speaker 2: for millennials who want financial freedom. Today we are having

4
00:00:24,360 --> 00:00:25,200
Speaker 2: a chat with.

5
00:00:25,239 --> 00:00:27,760
Speaker 1: Hey everyone, my name is Dara Hayes. You may know

6
00:00:27,920 --> 00:00:31,120
Speaker 1: me as DJ Tiger Lily. I'm a DJ, a producer

7
00:00:31,200 --> 00:00:34,239
Speaker 1: and an influencer from Sydney, Australia and this is my

8
00:00:34,320 --> 00:00:34,920
Speaker 1: money Diary.

9
00:00:35,159 --> 00:00:37,200
Speaker 2: And let me tell you for those of you who

10
00:00:37,240 --> 00:00:40,400
Speaker 2: don't know Zara, she is an absolute legend and a

11
00:00:40,479 --> 00:00:41,760
Speaker 2: boss in her own right.

12
00:00:42,360 --> 00:00:45,880
Speaker 1: People still think I can't DJ or write music because

13
00:00:45,920 --> 00:00:48,360
Speaker 1: I'm a hot chick, and I'm like, come to one

14
00:00:48,400 --> 00:00:51,080
Speaker 1: of my shows and stand next to me and watch

15
00:00:51,159 --> 00:00:54,720
Speaker 1: me play because I'm a great DJ. It's quite frustrating

16
00:00:54,760 --> 00:00:56,360
Speaker 1: because it means that, like I don't know, there's something

17
00:00:56,400 --> 00:00:59,600
Speaker 1: about society. You can't be a good looking, confident woman

18
00:00:59,720 --> 00:01:02,280
Speaker 1: and like be intelligent or have an opinion or be

19
00:01:02,360 --> 00:01:05,360
Speaker 1: really really really good at your craft. Like it's very frustrating.

20
00:01:05,560 --> 00:01:08,200
Speaker 2: And as always on our Money Diaries, Ryan John, you

21
00:01:08,240 --> 00:01:11,400
Speaker 2: are also here in the background, so let's get into

22
00:01:11,440 --> 00:01:13,400
Speaker 2: the chat because to be honest, this was one of

23
00:01:13,440 --> 00:01:16,399
Speaker 2: my favorite chats I've ever had about money with someone

24
00:01:16,480 --> 00:01:24,000
Speaker 2: of influence. Let's jump straight into the structured questions. Yes,

25
00:01:24,040 --> 00:01:26,399
Speaker 2: and you don't get any special treatment here. You get

26
00:01:26,440 --> 00:01:28,720
Speaker 2: all of the same questions all our money diarists do.

27
00:01:29,120 --> 00:01:32,360
Speaker 2: And the first question is can you please describe your

28
00:01:32,400 --> 00:01:33,639
Speaker 2: relationship with money?

29
00:01:34,240 --> 00:01:36,920
Speaker 1: I love this question so much, It's so interesting. I

30
00:01:37,040 --> 00:01:41,200
Speaker 1: have a really healthy relationship with money and have for

31
00:01:41,319 --> 00:01:45,160
Speaker 1: the last ten years. I think it's been quite a

32
00:01:45,280 --> 00:01:50,720
Speaker 1: work in progress. Though. My parents are definitely super middle class.

33
00:01:50,760 --> 00:01:55,000
Speaker 1: They both have good jobs, but you know, nothing crazy,

34
00:01:55,040 --> 00:01:58,200
Speaker 1: and they've always really implemented for me and my sisters

35
00:01:58,640 --> 00:02:02,080
Speaker 1: to save and to not be frivolous with our money.

36
00:02:02,200 --> 00:02:05,680
Speaker 1: So coming into adulthood, I was always a little bit

37
00:02:05,840 --> 00:02:08,720
Speaker 1: nervous to spend money and always had a little bit

38
00:02:08,760 --> 00:02:12,960
Speaker 1: of guilt around spending money on nice things. And I've

39
00:02:12,960 --> 00:02:16,040
Speaker 1: definitely tried to work through that in the last couple

40
00:02:16,160 --> 00:02:18,840
Speaker 1: or like the last ten years, and I feel like

41
00:02:18,880 --> 00:02:21,480
Speaker 1: I've got to a really good point now where I

42
00:02:21,600 --> 00:02:25,880
Speaker 1: feel comfortable with saving money but also confident with spending money,

43
00:02:26,360 --> 00:02:28,120
Speaker 1: which is a really nice place to be at. And

44
00:02:29,160 --> 00:02:32,079
Speaker 1: you know, just knowing what makes me feel good and

45
00:02:32,280 --> 00:02:34,360
Speaker 1: what is also smart to spend my money on and

46
00:02:34,440 --> 00:02:37,320
Speaker 1: kind of combining the two of them. But it's definitely

47
00:02:37,360 --> 00:02:40,959
Speaker 1: been a work in progress and it's crazy to see

48
00:02:40,960 --> 00:02:44,360
Speaker 1: how many even just small things or comments or you know,

49
00:02:44,480 --> 00:02:49,680
Speaker 1: situations from childhood can affect your money story massively. And

50
00:02:49,760 --> 00:02:52,959
Speaker 1: it's also been interesting being with my partner for the

51
00:02:53,000 --> 00:02:56,119
Speaker 1: last five years and combining our money stories together and

52
00:02:56,680 --> 00:02:59,640
Speaker 1: working as a team. Coming from you know, totally different

53
00:02:59,680 --> 00:03:03,280
Speaker 1: than it's been fun and exciting to like, you know,

54
00:03:03,360 --> 00:03:05,480
Speaker 1: be able to relate to other people and that's definitely

55
00:03:05,800 --> 00:03:08,560
Speaker 1: helped me a lot, I think with my relationship with

56
00:03:08,600 --> 00:03:09,880
Speaker 1: money as well. I love that.

57
00:03:10,880 --> 00:03:14,040
Speaker 2: So to ask a silly question, what do you do

58
00:03:14,120 --> 00:03:16,040
Speaker 2: for work in life, I'm DJ.

59
00:03:16,360 --> 00:03:18,840
Speaker 1: That's my mool That was my main form of income

60
00:03:18,960 --> 00:03:21,920
Speaker 1: until about twelve months ago, so the bulk of my

61
00:03:22,000 --> 00:03:26,840
Speaker 1: income was from live performances. And then twelve months ago

62
00:03:26,880 --> 00:03:31,959
Speaker 1: that obviously like stopped completely, which was, oh my god,

63
00:03:32,160 --> 00:03:34,800
Speaker 1: so nerve wracking. I had probably like six months worth

64
00:03:34,800 --> 00:03:39,720
Speaker 1: of shows lined up. Oh my gosh, they we're all canceled, yeah, postponed.

65
00:03:40,720 --> 00:03:44,720
Speaker 3: How long you're thinking, Oh, I might have to make

66
00:03:44,760 --> 00:03:47,480
Speaker 3: some changes to full stop. It's over like.

67
00:03:47,440 --> 00:03:49,000
Speaker 1: Twenty four hours, just like that.

68
00:03:49,320 --> 00:03:52,680
Speaker 3: Six months of income, plans, even schedule, maybe even more.

69
00:03:52,760 --> 00:03:54,760
Speaker 1: Yeah, like I had like New Year's E've booked in

70
00:03:54,840 --> 00:03:57,960
Speaker 1: and stuff like that. And this was in March, but

71
00:03:58,200 --> 00:04:00,040
Speaker 1: the day that was like the real pivotal moment. And

72
00:04:00,120 --> 00:04:02,200
Speaker 1: I actually flew down to Melbourne to play the Grand

73
00:04:02,240 --> 00:04:04,320
Speaker 1: Prix and I'd brought a massive crew with me. I'd

74
00:04:04,320 --> 00:04:08,240
Speaker 1: brought a saxophonist, a bongo drummer, a photographer would have

75
00:04:08,280 --> 00:04:09,640
Speaker 1: been so fun too.

76
00:04:10,040 --> 00:04:12,320
Speaker 3: Also, that's such a casual thing for you to say, oh,

77
00:04:12,440 --> 00:04:14,320
Speaker 3: just hanging out with a couple of bongo drammas driving.

78
00:04:14,520 --> 00:04:17,440
Speaker 2: I have no creative license, so all of this is just.

79
00:04:17,400 --> 00:04:19,760
Speaker 1: So cool to me. I'm like, yeah, let's talk about money.

80
00:04:19,800 --> 00:04:22,080
Speaker 2: And you're like, so we've got a saxophonist, and I'm like,

81
00:04:22,120 --> 00:04:23,120
Speaker 2: what you can get that?

82
00:04:23,520 --> 00:04:24,440
Speaker 1: So what you can get that?

83
00:04:24,560 --> 00:04:26,640
Speaker 3: You bring the whole crew down, Yeah, and play like.

84
00:04:26,560 --> 00:04:30,200
Speaker 1: A live set. It's they're both so epic, like I'll

85
00:04:30,240 --> 00:04:33,200
Speaker 1: just be DJing and they'll totally add lib on my

86
00:04:33,240 --> 00:04:34,320
Speaker 1: whole set, which is my.

87
00:04:34,240 --> 00:04:36,240
Speaker 3: Gosh, so far right, But did you get to do

88
00:04:36,279 --> 00:04:37,039
Speaker 3: that show? Well?

89
00:04:37,160 --> 00:04:40,039
Speaker 1: So we landed at Melbourne Airport. Like I said to

90
00:04:40,080 --> 00:04:42,560
Speaker 1: my partner in that like that morning, I was like, God,

91
00:04:42,960 --> 00:04:44,800
Speaker 1: I don't know what's going on. There's all this stuff

92
00:04:44,839 --> 00:04:47,520
Speaker 1: coming into my phone, text messages, on calls and news stories,

93
00:04:47,560 --> 00:04:48,839
Speaker 1: and I was like, what are we going to do?

94
00:04:49,520 --> 00:04:51,120
Speaker 1: Got on the plane. I was thinking, look, it's going

95
00:04:51,200 --> 00:04:52,760
Speaker 1: to be fine. It's gonna be fine.

96
00:04:52,880 --> 00:04:55,120
Speaker 2: And I think all of us said that to ourselves

97
00:04:55,160 --> 00:04:56,960
Speaker 2: at the start, right, we were all.

98
00:04:56,760 --> 00:04:59,360
Speaker 1: Like, it's going to be two weeks, yeah, right, maybe

99
00:04:59,360 --> 00:05:01,599
Speaker 1: a month the longest. And then we landed in Melbourne

100
00:05:01,960 --> 00:05:03,800
Speaker 1: and I got a call from my agent and he's like,

101
00:05:03,920 --> 00:05:06,080
Speaker 1: walk back upstairs and book the first flight home for

102
00:05:06,120 --> 00:05:09,159
Speaker 1: all of you because nothing is happening. And I was like,

103
00:05:09,400 --> 00:05:12,600
Speaker 1: oh my god. So we grubbed our bags and walked

104
00:05:12,600 --> 00:05:16,039
Speaker 1: straight upstairs to Quantus and like booked the next flight home.

105
00:05:16,760 --> 00:05:20,039
Speaker 1: And that day, like literally everything got canned.

106
00:05:20,200 --> 00:05:22,599
Speaker 3: Yeah, I remember that day so cooarly. I was the opposite.

107
00:05:22,640 --> 00:05:24,560
Speaker 3: I was in Melbourne and I was calling my manager

108
00:05:24,560 --> 00:05:26,480
Speaker 3: because I was flying to Sydney to host an event,

109
00:05:26,760 --> 00:05:28,680
Speaker 3: and I said, I don't want to get on this

110
00:05:28,720 --> 00:05:31,119
Speaker 3: flight because I know the event's not going to happen,

111
00:05:31,160 --> 00:05:33,520
Speaker 3: and he's like, trust me, it's on. Fine. I get

112
00:05:33,520 --> 00:05:36,000
Speaker 3: on the plane I land, phone beeps, go home.

113
00:05:36,080 --> 00:05:39,880
Speaker 1: Oh my god, what that's mental? Yeah, it's it's pretty

114
00:05:40,400 --> 00:05:43,520
Speaker 1: gnally when like, you know, you're just the whole movement

115
00:05:43,560 --> 00:05:46,200
Speaker 1: of getting ready to perform or you know, be host

116
00:05:46,279 --> 00:05:48,719
Speaker 1: an event, and it's just like stopped.

117
00:05:48,800 --> 00:05:52,000
Speaker 3: But did you think, oh, next weekend then, or did

118
00:05:52,040 --> 00:05:53,680
Speaker 3: you know right away this could be because I guess

119
00:05:53,720 --> 00:05:56,240
Speaker 3: we thought, oh yeah, two weeks, you know, then we're back.

120
00:05:56,600 --> 00:05:58,880
Speaker 1: I was like quite aware that it was pretty bad

121
00:05:58,920 --> 00:06:01,880
Speaker 1: because we traveled to America the month before to do

122
00:06:01,920 --> 00:06:06,560
Speaker 1: some work with tourism like Brand USA, and me and

123
00:06:06,600 --> 00:06:10,040
Speaker 1: my photographer were like masking and like hand sanitizing the

124
00:06:10,080 --> 00:06:12,200
Speaker 1: whole time, and everyone over there was just like, what

125
00:06:12,240 --> 00:06:14,520
Speaker 1: are you doing? You're crazy? And so I was like,

126
00:06:14,640 --> 00:06:19,599
Speaker 1: can tell you and wells on you America. Yeah, And

127
00:06:19,640 --> 00:06:23,160
Speaker 1: so I was thinking, you know, it was probably pretty bad.

128
00:06:23,160 --> 00:06:25,480
Speaker 1: I was quite nervous and anxious at that point about

129
00:06:25,480 --> 00:06:27,040
Speaker 1: the whole thing. So I was thinking it was going

130
00:06:27,080 --> 00:06:30,160
Speaker 1: to be a couple of months. Everyone around me was like, no,

131
00:06:30,240 --> 00:06:32,719
Speaker 1: it'll be fine, you'll be back by September. I was

132
00:06:32,760 --> 00:06:34,839
Speaker 1: like mmmm, And then like a week later I was

133
00:06:34,880 --> 00:06:37,240
Speaker 1: like hmmm. And then like a month later I was

134
00:06:37,240 --> 00:06:39,120
Speaker 1: like told you I wouldn't be back by September, like

135
00:06:39,800 --> 00:06:42,919
Speaker 1: twelve months later. We're finally kind of bad.

136
00:06:42,720 --> 00:06:44,920
Speaker 2: COVID normal is what they're calling it now.

137
00:06:45,120 --> 00:06:48,240
Speaker 1: God, all these terms you're on. It is true.

138
00:06:48,560 --> 00:06:51,480
Speaker 2: I have replaced a question here and I'm gonna ask you,

139
00:06:51,520 --> 00:06:53,640
Speaker 2: have you ever asked for a pay rise?

140
00:06:54,080 --> 00:07:00,200
Speaker 1: If so, how I have definitely asked for multiple pay rises. Obviously,

141
00:07:00,279 --> 00:07:03,960
Speaker 1: it's really non traditional in this industry. It's not like

142
00:07:04,000 --> 00:07:06,280
Speaker 1: I have one boss who I, oh.

143
00:07:06,200 --> 00:07:09,240
Speaker 2: Of course look up to, so it doesn't make it

144
00:07:09,279 --> 00:07:11,880
Speaker 2: any less nerve recking tize say hey, I actually think

145
00:07:11,880 --> 00:07:14,280
Speaker 2: I'm worth more money than what you're currently offering.

146
00:07:14,440 --> 00:07:14,680
Speaker 3: Right.

147
00:07:15,760 --> 00:07:19,440
Speaker 1: So I work quite closely with my agent, which is

148
00:07:19,560 --> 00:07:21,960
Speaker 1: kind of nice because I have someone to kind of

149
00:07:22,480 --> 00:07:25,040
Speaker 1: keep me leveled or back me up if we want

150
00:07:25,080 --> 00:07:27,880
Speaker 1: to ask for more money. And every twelve months we

151
00:07:28,000 --> 00:07:29,760
Speaker 1: kind of have a meeting and we say, Okay, what

152
00:07:29,800 --> 00:07:32,119
Speaker 1: are we charging, what does it look like? What value

153
00:07:32,160 --> 00:07:35,640
Speaker 1: are we bringing? And you know, I do remember some

154
00:07:35,760 --> 00:07:38,600
Speaker 1: years I've gone in and said I think I'm worth more,

155
00:07:38,720 --> 00:07:42,679
Speaker 1: and he's like, well, these numbers haven't changed, these streams

156
00:07:42,720 --> 00:07:44,880
Speaker 1: haven't changed. I think we keep it as is and

157
00:07:44,920 --> 00:07:47,680
Speaker 1: I'm like feeling a bit deflated, buts though, Yeah. But

158
00:07:47,720 --> 00:07:49,960
Speaker 1: then other years he's like, absolutely, you know this and

159
00:07:50,000 --> 00:07:51,880
Speaker 1: this has changed, this has gone up. You know, you're

160
00:07:51,880 --> 00:07:53,880
Speaker 1: bringing so much more value to the clubs at the moment.

161
00:07:54,200 --> 00:07:56,400
Speaker 3: And so when they measure the clubs go when DJ

162
00:07:56,520 --> 00:07:58,760
Speaker 3: tiger Li is in, we get ten percent more people,

163
00:07:58,760 --> 00:07:58,960
Speaker 3: you know.

164
00:07:59,280 --> 00:08:02,520
Speaker 1: They yeah, they'll measure like a bar spend, people coming

165
00:08:02,520 --> 00:08:06,200
Speaker 1: through the door, people pre signing up to guest I

166
00:08:06,200 --> 00:08:09,200
Speaker 1: didn't even know that. Yeah they can, and like that's cool.

167
00:08:09,360 --> 00:08:13,400
Speaker 1: Measure bar spend at times as well, So like if

168
00:08:13,440 --> 00:08:15,600
Speaker 1: people are coming in early and spending, or if like

169
00:08:15,640 --> 00:08:17,960
Speaker 1: they're coming in late, they can measure so many different

170
00:08:17,960 --> 00:08:20,800
Speaker 1: things clicks on links, follow throughs like that.

171
00:08:20,840 --> 00:08:22,560
Speaker 3: And so then this is that where you get your

172
00:08:22,600 --> 00:08:24,800
Speaker 3: power to say, hey, as you know when I'm on

173
00:08:25,280 --> 00:08:27,600
Speaker 3: you know, drinks are selling, people are booking in advance,

174
00:08:27,640 --> 00:08:28,960
Speaker 3: that's what you guys like, So.

175
00:08:29,320 --> 00:08:32,440
Speaker 1: Yeah, absolutely, And the more you have good examples of

176
00:08:32,480 --> 00:08:34,480
Speaker 1: you coming in and like selling a heap of tickets

177
00:08:34,559 --> 00:08:37,480
Speaker 1: or breaking records for whether it's you know, bar spend

178
00:08:37,800 --> 00:08:41,760
Speaker 1: or I don't know. At the moment, it's like pre

179
00:08:43,000 --> 00:08:45,520
Speaker 1: registering for events and stuff, like that, So all that

180
00:08:45,600 --> 00:08:48,480
Speaker 1: kind of stuff really really helps. And yeah, so I

181
00:08:48,520 --> 00:08:50,640
Speaker 1: have had to ask for like, you know, pay rises

182
00:08:50,679 --> 00:08:53,840
Speaker 1: in that sense, but it is really good having someone

183
00:08:53,920 --> 00:08:57,760
Speaker 1: who has been able to kind of support and or

184
00:08:58,000 --> 00:09:01,880
Speaker 1: you know, navigate it with me. It's great having that buffer.

185
00:09:02,360 --> 00:09:04,680
Speaker 2: I like that because I think that that's also something

186
00:09:04,760 --> 00:09:07,679
Speaker 2: that a lot of people don't have. And even if

187
00:09:07,720 --> 00:09:09,800
Speaker 2: it's not an agent, which you know, I don't have

188
00:09:09,840 --> 00:09:11,640
Speaker 2: an agent. You guys were talking about your managers and

189
00:09:11,640 --> 00:09:12,559
Speaker 2: I'm like, I.

190
00:09:12,600 --> 00:09:14,920
Speaker 1: Reply to my own email. It's just on you guys,

191
00:09:16,000 --> 00:09:16,600
Speaker 1: not anymore.

192
00:09:16,760 --> 00:09:19,319
Speaker 3: This is sitting on our laptop your emails right now,

193
00:09:19,840 --> 00:09:20,480
Speaker 3: watch your maw.

194
00:09:20,640 --> 00:09:23,520
Speaker 2: Okay, that is a very good point. But I definitely

195
00:09:23,600 --> 00:09:27,319
Speaker 2: don't have a manager that works in the same capacity.

196
00:09:27,760 --> 00:09:30,080
Speaker 2: And I think that it's really important to remember, even

197
00:09:30,080 --> 00:09:32,960
Speaker 2: if you don't have a manager or an agent, even

198
00:09:33,000 --> 00:09:35,080
Speaker 2: having a friend to bounce back off and be like, hey, well,

199
00:09:35,080 --> 00:09:36,920
Speaker 2: this is the value I think I bring to the table,

200
00:09:37,200 --> 00:09:39,560
Speaker 2: and then even sometimes being that friend for other people

201
00:09:39,640 --> 00:09:41,760
Speaker 2: and being like, hey, like you said that you you know,

202
00:09:41,920 --> 00:09:43,560
Speaker 2: wanted to pay rise, but like, what else are you

203
00:09:43,559 --> 00:09:45,679
Speaker 2: bringing to the table this year that you weren't last year?

204
00:09:45,679 --> 00:09:47,800
Speaker 2: I think can help you have that conversation.

205
00:09:48,120 --> 00:09:50,160
Speaker 3: We did an episode on pay Rises and it's like

206
00:09:50,240 --> 00:09:53,520
Speaker 3: you've read the Bible and that because lots of people

207
00:09:53,520 --> 00:09:55,120
Speaker 3: would go in and say, I want more money because

208
00:09:55,120 --> 00:09:56,679
Speaker 3: I'm buying a car and I'm thinking of getting a

209
00:09:56,720 --> 00:09:59,200
Speaker 3: mortgage and stuff. But you go in and say, here's

210
00:09:59,240 --> 00:10:01,720
Speaker 3: what you get out of it, and he's sort of saying,

211
00:10:01,720 --> 00:10:03,760
Speaker 3: and it's the same when you talk to a boss

212
00:10:03,760 --> 00:10:06,040
Speaker 3: from pay Rise. Since I've been working here, I'm doing

213
00:10:06,120 --> 00:10:07,920
Speaker 3: this well, I'm hitting my targets. I'm bringing in the

214
00:10:07,920 --> 00:10:10,079
Speaker 3: business this much, and that's why I think I should

215
00:10:10,080 --> 00:10:11,800
Speaker 3: be worth a little bit more. Instead of being like

216
00:10:12,440 --> 00:10:14,600
Speaker 3: more money, please, you have to.

217
00:10:14,520 --> 00:10:16,440
Speaker 1: Show them all the value that you're bringing, being like,

218
00:10:16,480 --> 00:10:18,559
Speaker 1: I'm doing this and this now, I'm doing a B

219
00:10:18,679 --> 00:10:21,240
Speaker 1: and C more than I was when I started. What

220
00:10:21,280 --> 00:10:24,199
Speaker 1: would you do without me? Yeah, it's kind of you

221
00:10:24,200 --> 00:10:24,480
Speaker 1: should be.

222
00:10:24,520 --> 00:10:29,040
Speaker 3: Everyone who's Listening's agent DJ Tiger Lily will be negotiating

223
00:10:29,080 --> 00:10:29,559
Speaker 3: on my behalf.

224
00:10:29,679 --> 00:10:31,800
Speaker 1: I'll invite you. I'll invite you in for that.

225
00:10:31,920 --> 00:10:34,959
Speaker 2: And also one day, when I luckily get married, I'll

226
00:10:34,960 --> 00:10:37,160
Speaker 2: be like, who's the saxophonist? I want one of those?

227
00:10:37,240 --> 00:10:39,280
Speaker 2: And the bono drama. Don't forget I need a DJ,

228
00:10:39,480 --> 00:10:42,520
Speaker 2: a bongo drama. I need a saxophonist, like I'm having

229
00:10:42,520 --> 00:10:43,880
Speaker 2: a party random.

230
00:10:43,880 --> 00:10:46,400
Speaker 3: Obviously the pricing would be more than the regular one.

231
00:10:46,440 --> 00:10:48,559
Speaker 3: But do you get invited still to do weddings and

232
00:10:48,600 --> 00:10:50,480
Speaker 3: private shows and stuff like that?

233
00:10:51,280 --> 00:10:52,040
Speaker 2: You just say no?

234
00:10:52,240 --> 00:10:55,280
Speaker 1: Yeah, I just say no. I do get asked to do.

235
00:10:55,320 --> 00:10:57,320
Speaker 3: Is there a few like random millionaires that'll go, hey,

236
00:10:57,360 --> 00:10:59,439
Speaker 3: look we're on the Sydney Harbor and we're ready. We're

237
00:10:59,480 --> 00:11:00,680
Speaker 3: willing to pay well.

238
00:11:01,000 --> 00:11:04,840
Speaker 1: I don't know if there are hit me up in

239
00:11:04,920 --> 00:11:10,640
Speaker 1: my Instagram a cheap rate, cheap rate for the millionaires.

240
00:11:10,960 --> 00:11:12,439
Speaker 2: Yeah, yeah, I like that.

241
00:11:12,520 --> 00:11:14,439
Speaker 1: You know what? Actually I have been hit up two

242
00:11:14,559 --> 00:11:17,480
Speaker 1: is in a row to go to Monaco and play

243
00:11:17,679 --> 00:11:19,720
Speaker 1: on like millionaires boats.

244
00:11:19,800 --> 00:11:21,400
Speaker 2: What are you doing saying no to this?

245
00:11:21,600 --> 00:11:23,920
Speaker 3: Why are doing.

246
00:11:23,720 --> 00:11:26,160
Speaker 1: I couldn't do both of the gigs because I already

247
00:11:26,200 --> 00:11:32,160
Speaker 1: had like stuff that was pre booked. Teach them it's anca. Also,

248
00:11:33,120 --> 00:11:34,640
Speaker 1: do not hire me as your agent.

249
00:11:35,760 --> 00:11:39,319
Speaker 2: I'll be like, so you're ditching everybody, We're going.

250
00:11:37,880 --> 00:11:41,000
Speaker 1: To I'm coming first classickets. Let's go. You're going to

251
00:11:41,080 --> 00:11:44,200
Speaker 1: earn a whole lot less, but and piss off a

252
00:11:44,240 --> 00:11:48,720
Speaker 1: heap of people. That is not my problem. That is

253
00:11:49,679 --> 00:11:50,040
Speaker 1: all right.

254
00:11:50,200 --> 00:11:54,440
Speaker 2: So next question, do you feel confident making decisions around money?

255
00:11:54,720 --> 00:11:57,400
Speaker 1: Yes and no, And this goes back to what we

256
00:11:57,400 --> 00:11:59,760
Speaker 1: were talking about before in regards to having someone to

257
00:11:59,800 --> 00:12:04,319
Speaker 1: be off which was my agent. There are some decisions

258
00:12:04,400 --> 00:12:08,000
Speaker 1: which I definitely do feel confident about making, but that's

259
00:12:08,040 --> 00:12:13,439
Speaker 1: definitely come with practice and over time. But shout out

260
00:12:13,480 --> 00:12:16,480
Speaker 1: to my dad. He is actually the biggest legend and

261
00:12:16,520 --> 00:12:20,080
Speaker 1: he helps me so much financially. He's like an accountant

262
00:12:20,080 --> 00:12:22,320
Speaker 1: by trade, but now it does kind of other My.

263
00:12:22,360 --> 00:12:24,760
Speaker 2: Dad's an accountant too. They are good eggs.

264
00:12:24,960 --> 00:12:30,120
Speaker 1: Yeah, they're so good, and he is really my I

265
00:12:30,160 --> 00:12:34,880
Speaker 1: suppose word of reason. I recently bought a new car

266
00:12:35,520 --> 00:12:38,320
Speaker 1: and I was flogging my old car for like almost

267
00:12:38,400 --> 00:12:40,760
Speaker 1: ten years and really needed a new one, but was

268
00:12:40,800 --> 00:12:42,880
Speaker 1: putting it off because I am, deep down like a

269
00:12:42,920 --> 00:12:44,079
Speaker 1: bit of a stinge.

270
00:12:44,600 --> 00:12:47,440
Speaker 2: I love that, like I have no real need to

271
00:12:47,480 --> 00:12:50,520
Speaker 2: be a stinge. But when a stinge, always a stinch.

272
00:12:50,200 --> 00:12:52,120
Speaker 1: Yeah, I know. And it was getting to the point

273
00:12:52,160 --> 00:12:55,480
Speaker 1: of it being quite ridiculous. The car really needed help,

274
00:12:55,640 --> 00:12:57,480
Speaker 1: and the help was going to be expensive, so I

275
00:12:57,640 --> 00:13:00,360
Speaker 1: just thought it's time to get something a bit newer

276
00:13:00,400 --> 00:13:02,959
Speaker 1: and a bit more modern. And I found this secondhand

277
00:13:02,960 --> 00:13:05,680
Speaker 1: car that I thought awesome, great, this ticks all the boxes.

278
00:13:05,679 --> 00:13:09,320
Speaker 1: But I still was nervous to commit. So talked to

279
00:13:09,400 --> 00:13:11,720
Speaker 1: my dad and he's so good because he just runs

280
00:13:11,760 --> 00:13:13,880
Speaker 1: kind of through the numbers with me. We like punched

281
00:13:13,880 --> 00:13:16,480
Speaker 1: them out together and look at, you know, my budget

282
00:13:16,559 --> 00:13:18,120
Speaker 1: and the timeline and how long it's going to take

283
00:13:18,120 --> 00:13:20,640
Speaker 1: to pay off X y Z. And it's kind of

284
00:13:20,760 --> 00:13:24,280
Speaker 1: nice to have someone there who can like just kind

285
00:13:24,280 --> 00:13:27,520
Speaker 1: of assure me with big purchase items or like big

286
00:13:27,679 --> 00:13:31,240
Speaker 1: kind of decisions that I'm doing something that isn't totally

287
00:13:31,280 --> 00:13:34,319
Speaker 1: crazy and unnecessary. So did you buy your car secondhand?

288
00:13:34,360 --> 00:13:34,960
Speaker 2: Not brand new?

289
00:13:35,400 --> 00:13:39,439
Speaker 1: Yeah? Who are a queen? As you said on your episode,

290
00:13:39,440 --> 00:13:41,920
Speaker 1: and never buy a new car exactly.

291
00:13:42,040 --> 00:13:44,840
Speaker 2: I feel like it's logical, and I think that a

292
00:13:44,840 --> 00:13:46,440
Speaker 2: lot of people are like, oh, but if I had

293
00:13:46,480 --> 00:13:49,200
Speaker 2: the money, I'd buy brand news. Like no, no, no, no,

294
00:13:49,280 --> 00:13:52,000
Speaker 2: even people with money should not be buying brand new.

295
00:13:52,080 --> 00:13:54,160
Speaker 1: It's silly. Can I tell you about my car? Because

296
00:13:54,240 --> 00:13:54,680
Speaker 1: I want to know.

297
00:13:55,240 --> 00:13:58,400
Speaker 3: I want to know is the one before the new one?

298
00:13:58,400 --> 00:14:02,080
Speaker 1: All right? Tell me about the new one? So I

299
00:14:02,120 --> 00:14:06,160
Speaker 1: bought it from Pickles in Brisbane. So the auction mash,

300
00:14:06,280 --> 00:14:08,840
Speaker 1: the auction thing. Yep. So I took a bit of

301
00:14:08,840 --> 00:14:12,040
Speaker 1: a risk because it's Pickles. But I bought a car

302
00:14:12,080 --> 00:14:15,040
Speaker 1: that was two years old, had really low mileage, like

303
00:14:15,080 --> 00:14:16,720
Speaker 1: eight thousand k's on it, so.

304
00:14:16,640 --> 00:14:19,320
Speaker 2: It had already hit the depreciation. You didn't have to

305
00:14:19,360 --> 00:14:20,160
Speaker 2: carry that one.

306
00:14:20,280 --> 00:14:23,120
Speaker 1: Yep, yep, yep. And what I didn't realize this was

307
00:14:23,160 --> 00:14:26,880
Speaker 1: like an unknown win to me at the time. The

308
00:14:26,920 --> 00:14:31,080
Speaker 1: Brisbane car market is totally different to the Sydney car mark.

309
00:14:31,920 --> 00:14:32,720
Speaker 3: Every city is different.

310
00:14:32,800 --> 00:14:36,560
Speaker 1: Yes, absolutely, I shipped the car down for five hundred bucks,

311
00:14:36,760 --> 00:14:40,320
Speaker 1: but I reckon I saved almost twenty grand who compared

312
00:14:40,360 --> 00:14:41,400
Speaker 1: to the car market.

313
00:14:41,160 --> 00:14:44,120
Speaker 3: Apparently Perth is the cheapest and I have to live

314
00:14:44,160 --> 00:14:46,680
Speaker 3: in Perth. And a friend flew over, stayed with me

315
00:14:46,720 --> 00:14:48,440
Speaker 3: for the weekend, picked up his new car and drove

316
00:14:48,480 --> 00:14:50,560
Speaker 3: it back to Melbourne. He's like, oh, it's going to

317
00:14:50,600 --> 00:14:51,560
Speaker 3: save me ten grand.

318
00:14:51,640 --> 00:14:53,480
Speaker 1: I was like, okay, Well, the guy at Pickles in

319
00:14:53,480 --> 00:14:55,880
Speaker 1: Sydney was saying what they would have been able to

320
00:14:55,920 --> 00:15:00,400
Speaker 1: sell it for was, yeah, fifteen grand maybe plus what

321
00:15:00,480 --> 00:15:02,880
Speaker 1: the guys in Brisbane were selling it for. And you know,

322
00:15:02,920 --> 00:15:04,480
Speaker 1: I still got like a mechanic to go in and

323
00:15:04,480 --> 00:15:06,400
Speaker 1: give it like a little once over. Obviously they can't

324
00:15:06,400 --> 00:15:08,280
Speaker 1: fully hoist it up at Pickles and do all the

325
00:15:08,320 --> 00:15:10,320
Speaker 1: in depth stuff, so you are running a little bit

326
00:15:10,320 --> 00:15:14,160
Speaker 1: of a risk in that respect. But yeah, I am

327
00:15:14,200 --> 00:15:16,440
Speaker 1: like a massive Pickles fan through and through to the

328
00:15:16,440 --> 00:15:18,800
Speaker 1: point where I then sold them my old car because

329
00:15:18,800 --> 00:15:20,120
Speaker 1: they made it so simple.

330
00:15:20,280 --> 00:15:20,560
Speaker 3: Wow.

331
00:15:20,760 --> 00:15:24,360
Speaker 1: Love Pickles. Yeah, shout out, shout out. That's your money

332
00:15:24,640 --> 00:15:27,160
Speaker 1: to be sweet. Yeah, that is my money win for sure.

333
00:15:27,560 --> 00:15:28,160
Speaker 1: I love that.

334
00:15:28,640 --> 00:15:30,760
Speaker 2: But I do want to pivot away from cars for

335
00:15:30,760 --> 00:15:34,080
Speaker 2: a second and ask you when you first started being

336
00:15:34,120 --> 00:15:37,080
Speaker 2: a DJ, what were you charging? How did that work?

337
00:15:37,360 --> 00:15:38,440
Speaker 1: Nothing? Nothing?

338
00:15:38,480 --> 00:15:40,360
Speaker 2: You just did it for free, free drink cards.

339
00:15:40,400 --> 00:15:43,840
Speaker 3: Baby, that'd be the same as most money win creative endeavors.

340
00:15:43,920 --> 00:15:46,520
Speaker 2: Yeah, I think so, right, I felt like everybody starts

341
00:15:46,640 --> 00:15:48,840
Speaker 2: for But it's interesting to know that story, right because

342
00:15:48,840 --> 00:15:51,080
Speaker 2: obviously you're now at a point where you are in

343
00:15:51,120 --> 00:15:54,520
Speaker 2: demand and you are actually a professional at this and

344
00:15:54,560 --> 00:15:56,600
Speaker 2: so you're being paid for it. But I think it's

345
00:15:56,600 --> 00:15:58,960
Speaker 2: interesting to understand the journey of like, how did you

346
00:15:59,000 --> 00:16:01,680
Speaker 2: go from being free drink cards, which I mean at

347
00:16:01,680 --> 00:16:03,400
Speaker 2: the time when you were probably starting. You're like, this

348
00:16:03,640 --> 00:16:07,000
Speaker 2: is so epic, I get free drinks to want to

349
00:16:07,160 --> 00:16:09,680
Speaker 2: charge for events, Like, how did you make that leap?

350
00:16:09,760 --> 00:16:11,920
Speaker 2: Because I know in our community there are a lot

351
00:16:11,920 --> 00:16:15,560
Speaker 2: of creatives and musicians and people that probably are doing

352
00:16:15,800 --> 00:16:18,000
Speaker 2: free work at the moment. How do you know when

353
00:16:18,200 --> 00:16:20,400
Speaker 2: is the time? But also how do you have that

354
00:16:20,440 --> 00:16:23,520
Speaker 2: conversation because you don't have an agent? Then no, absolutely no,

355
00:16:23,560 --> 00:16:25,400
Speaker 2: I didn't have an agent. I think for the first

356
00:16:25,680 --> 00:16:29,640
Speaker 2: four years I was doing everything myself, from my bookings

357
00:16:29,680 --> 00:16:33,080
Speaker 2: to my invoicing, to my tax to my like performance

358
00:16:33,120 --> 00:16:35,920
Speaker 2: stuff everything, which is kind of overwhelming to think.

359
00:16:35,760 --> 00:16:38,400
Speaker 1: About that now. So it's a really good question and

360
00:16:38,440 --> 00:16:41,400
Speaker 1: there's no right answer, and it's kind of tricky to know.

361
00:16:41,880 --> 00:16:44,760
Speaker 1: I think I was probably playing for free or for

362
00:16:45,000 --> 00:16:48,240
Speaker 1: very low amounts, like twenty five dollars an hour. But

363
00:16:48,280 --> 00:16:50,680
Speaker 1: when you think about like that sounds like a standard,

364
00:16:50,840 --> 00:16:53,680
Speaker 1: but from a performance perspective, it's kind of different because

365
00:16:53,680 --> 00:16:55,960
Speaker 1: if you've got a one hour set once a week,

366
00:16:56,000 --> 00:16:58,440
Speaker 1: you're making twenty five dollars y yeah, and week.

367
00:16:58,400 --> 00:17:00,200
Speaker 3: Thought about the music eler in the day, and you've

368
00:17:00,200 --> 00:17:00,440
Speaker 3: got to.

369
00:17:00,400 --> 00:17:03,440
Speaker 1: Get a preparation travel all that stuff. Yeah, So I

370
00:17:03,480 --> 00:17:06,159
Speaker 1: think you know, that stayed like that for a couple

371
00:17:06,160 --> 00:17:09,159
Speaker 1: of months, and I just took a bit of a

372
00:17:09,240 --> 00:17:11,480
Speaker 1: leap in the deep end, and I remember like upping

373
00:17:11,480 --> 00:17:13,920
Speaker 1: my invoice rate to like eighty five dollars an hour

374
00:17:14,040 --> 00:17:16,280
Speaker 1: and thinking, oh God, what's going to happen here.

375
00:17:16,480 --> 00:17:18,240
Speaker 3: I've ended my own career, I've overcharged.

376
00:17:19,000 --> 00:17:22,280
Speaker 1: But people were actually totally fine with it. I remember

377
00:17:22,320 --> 00:17:24,879
Speaker 1: having lots of different conversations with other DJs in the

378
00:17:24,920 --> 00:17:27,800
Speaker 1: industry at the time, being like, what should I be charging?

379
00:17:27,880 --> 00:17:30,320
Speaker 1: How much do you guys charge? So I think like

380
00:17:30,480 --> 00:17:33,000
Speaker 1: asking people if you're in a creative industry that are

381
00:17:33,200 --> 00:17:35,800
Speaker 1: around you and maybe at a similar ish level, that's

382
00:17:35,800 --> 00:17:38,879
Speaker 1: also really helpful to get kind of some idea of

383
00:17:38,920 --> 00:17:41,679
Speaker 1: what venues are willing to pay at the moment. In

384
00:17:41,720 --> 00:17:44,159
Speaker 1: regards to the COVID stuff, it's like totally different to normal,

385
00:17:44,600 --> 00:17:48,800
Speaker 1: even for me now being like a professional. I suppose

386
00:17:49,200 --> 00:17:51,439
Speaker 1: everyone has different amounts of money to spend. So I

387
00:17:51,440 --> 00:17:53,840
Speaker 1: think that's something really important to keep in mind if

388
00:17:53,840 --> 00:17:57,000
Speaker 1: you are a creative at the moment, you know, trying

389
00:17:57,040 --> 00:18:00,520
Speaker 1: to speak to whether it's clubs or gallery or whatever,

390
00:18:00,560 --> 00:18:03,200
Speaker 1: about how much you're going to charge, But yeah, I

391
00:18:03,200 --> 00:18:05,879
Speaker 1: would say, I spoke a lot to people around me

392
00:18:05,960 --> 00:18:10,600
Speaker 1: and then yeah, did definitely take some random leaps and

393
00:18:11,240 --> 00:18:13,399
Speaker 1: hope that they worked. And look, no one ever said

394
00:18:13,920 --> 00:18:17,679
Speaker 1: no in those early days, but I wasn't asking for

395
00:18:17,720 --> 00:18:19,800
Speaker 1: a really stupid amounts.

396
00:18:20,160 --> 00:18:23,160
Speaker 3: Is the Djay world like collaborative in that people like, oh,

397
00:18:23,200 --> 00:18:24,879
Speaker 3: these guys looking for people like you all helping each

398
00:18:24,880 --> 00:18:26,640
Speaker 3: other out? Or is a bit competitive or a bit

399
00:18:26,680 --> 00:18:28,680
Speaker 3: of both. It depends on the person. What's the sort of.

400
00:18:28,880 --> 00:18:31,679
Speaker 1: Bit of both? Definitely depends on the person. And I

401
00:18:31,680 --> 00:18:34,560
Speaker 1: would suggest if people are being dickheads and like, you know,

402
00:18:34,760 --> 00:18:37,240
Speaker 1: really competitive, steer away from them because there are really

403
00:18:37,320 --> 00:18:40,600
Speaker 1: nice people out there who will help. And I often

404
00:18:40,600 --> 00:18:43,840
Speaker 1: get sent loads of random gigs on like Instagram or emails,

405
00:18:43,840 --> 00:18:46,000
Speaker 1: and I pass them on to my agent and say, oh,

406
00:18:46,119 --> 00:18:47,959
Speaker 1: this chick would be great for it, or this guy

407
00:18:48,000 --> 00:18:49,399
Speaker 1: would be great for it, because I know it's not

408
00:18:49,480 --> 00:18:52,320
Speaker 1: going to be suitable suitable for I say, as.

409
00:18:52,200 --> 00:18:55,800
Speaker 3: The lowest earning person of my management talent agency, the

410
00:18:55,880 --> 00:18:58,399
Speaker 3: leftovers I get from the bigger people is just fantastic,

411
00:19:01,200 --> 00:19:03,479
Speaker 3: Thank you. They definitely won't be doing that, but Ryan's

412
00:19:03,520 --> 00:19:06,360
Speaker 3: probably free like on that day, so he's ready to go,

413
00:19:06,520 --> 00:19:09,800
Speaker 3: so get involved. But it's interesting though, because with when

414
00:19:09,840 --> 00:19:12,800
Speaker 3: you are, you know, a freelancer, and it's a competitive marketplace.

415
00:19:12,840 --> 00:19:16,119
Speaker 3: Some people are really helpful and like you said, I

416
00:19:16,160 --> 00:19:19,040
Speaker 3: don't know, the word leftover sounds really bad, but.

417
00:19:18,560 --> 00:19:20,600
Speaker 2: That's what it is. But you've got someone's crumbs.

418
00:19:20,760 --> 00:19:22,479
Speaker 3: Yeah. But I actually saw this post the other day.

419
00:19:22,480 --> 00:19:23,760
Speaker 3: I think someone shared it in the Shehes in the

420
00:19:23,760 --> 00:19:26,040
Speaker 3: Money group. But it was like, surround yourself with women

421
00:19:26,040 --> 00:19:28,600
Speaker 3: who would bring your name up when an opportunity arises.

422
00:19:28,880 --> 00:19:29,560
Speaker 1: I like that.

423
00:19:29,720 --> 00:19:32,120
Speaker 3: Yeah, So is that the kind of people that someone says, hey, Ryan,

424
00:19:32,200 --> 00:19:33,879
Speaker 3: do you can you detail thing?

425
00:19:34,200 --> 00:19:34,320
Speaker 2: No?

426
00:19:34,400 --> 00:19:36,120
Speaker 3: I can't, but you know I know someone who can

427
00:19:36,440 --> 00:19:38,560
Speaker 3: versus someone goes no, and it doesn't help me. So

428
00:19:38,640 --> 00:19:39,720
Speaker 3: then I'm not interested anymore.

429
00:19:39,800 --> 00:19:41,360
Speaker 1: I really don't mentality yet.

430
00:19:41,400 --> 00:19:44,480
Speaker 2: No, And I just feel like you are lifted by

431
00:19:44,520 --> 00:19:46,760
Speaker 2: lifting other people. And you say this all the time,

432
00:19:46,880 --> 00:19:48,760
Speaker 2: Ryan saying yeah, what's you're saying?

433
00:19:49,080 --> 00:19:50,639
Speaker 1: No? No, no, I want to hear it from the master.

434
00:19:51,400 --> 00:19:53,320
Speaker 3: A rising tide lifts all boats.

435
00:19:53,480 --> 00:19:57,120
Speaker 1: It does warms my heart, Yeah.

436
00:19:57,000 --> 00:19:59,840
Speaker 2: It does, Like you know, you don't actually dull your

437
00:20:00,400 --> 00:20:03,040
Speaker 2: by shedding it on other people and other people's lights.

438
00:20:03,119 --> 00:20:05,520
Speaker 2: It's just so much more powerful together. And you know,

439
00:20:05,680 --> 00:20:08,000
Speaker 2: we get this a lot in finance where people are like, oh,

440
00:20:08,000 --> 00:20:10,639
Speaker 2: why did you let another financial advisor on your podcast?

441
00:20:10,680 --> 00:20:12,880
Speaker 2: All this, and I'm like, it just makes the world

442
00:20:12,960 --> 00:20:16,000
Speaker 2: a better place. Like I'm not here to talk about

443
00:20:16,119 --> 00:20:18,840
Speaker 2: you know, just me, Like it's better when it's together.

444
00:20:18,960 --> 00:20:20,800
Speaker 3: Yeah, And if you want to email us at DJ

445
00:20:21,000 --> 00:20:23,320
Speaker 3: at Tiger Lily's Leftovers that she's on the money dot

446
00:20:23,320 --> 00:20:25,240
Speaker 3: com dot au, we can put you up just about

447
00:20:25,280 --> 00:20:25,680
Speaker 3: your career.

448
00:20:25,840 --> 00:20:27,439
Speaker 2: I'm not a DJ, but you know what I can do,

449
00:20:27,480 --> 00:20:29,040
Speaker 2: get one of your sets on YouTube and play it

450
00:20:29,080 --> 00:20:29,440
Speaker 2: for them.

451
00:20:30,160 --> 00:20:32,280
Speaker 1: Hell's yeah, I can do that.

452
00:20:32,520 --> 00:20:39,159
Speaker 3: I could he some drinks accounts a part of the right.

453
00:20:39,200 --> 00:20:43,600
Speaker 1: Come, it's off the airways, right and drop. What would

454
00:20:43,600 --> 00:20:44,320
Speaker 1: your DJ name be?

455
00:20:44,960 --> 00:20:50,760
Speaker 2: DJ VICKI d love it girlfriend, It'd be disgusting, but

456
00:20:50,880 --> 00:20:51,400
Speaker 2: it works.

457
00:20:53,840 --> 00:20:54,600
Speaker 1: Oh my gosh.

458
00:20:54,680 --> 00:20:54,840
Speaker 3: Yeah.

459
00:20:54,840 --> 00:20:59,040
Speaker 1: Australia is such a tall, poppy syndrome community, I think,

460
00:20:59,119 --> 00:21:03,600
Speaker 1: especially when it comes still like niche markets. So yeah,

461
00:21:03,600 --> 00:21:07,119
Speaker 1: it's interesting and I do remember like so many you know,

462
00:21:07,240 --> 00:21:10,040
Speaker 1: funny stories where DJs are like elbowing each other out

463
00:21:10,080 --> 00:21:12,560
Speaker 1: of the way to get to get gigs. Pretty much,

464
00:21:12,600 --> 00:21:14,640
Speaker 1: and I think it definitely pays off just being super

465
00:21:14,680 --> 00:21:18,240
Speaker 1: friendly and honest and you know, a genuine nice person,

466
00:21:18,280 --> 00:21:20,520
Speaker 1: and like you miss out on gigs, Like to this day,

467
00:21:20,600 --> 00:21:23,159
Speaker 1: I still miss out on gigs because like we're not

468
00:21:23,200 --> 00:21:25,439
Speaker 1: pushy enough or we're not charging low enough rates. But

469
00:21:25,520 --> 00:21:30,040
Speaker 1: I think there is also merit in keeping your ground

470
00:21:30,119 --> 00:21:32,280
Speaker 1: as a creative with how much you're willing to charge

471
00:21:32,320 --> 00:21:34,560
Speaker 1: and how much value you think that you bring to

472
00:21:34,600 --> 00:21:38,440
Speaker 1: the table. So to all my creatives out there, value yourselves.

473
00:21:38,800 --> 00:21:39,760
Speaker 1: You guys are important.

474
00:21:40,280 --> 00:21:42,920
Speaker 3: So we talk a lot about this, and especially she's

475
00:21:42,920 --> 00:21:44,680
Speaker 3: on the money as a business and other things that

476
00:21:44,800 --> 00:21:47,560
Speaker 3: Victoria and I do a lot of creatives. Now, it's

477
00:21:47,560 --> 00:21:49,520
Speaker 3: not necessarily I have this one thing that I do

478
00:21:49,600 --> 00:21:52,359
Speaker 3: that I make money. It's like having these multiple little

479
00:21:52,359 --> 00:21:55,639
Speaker 3: trickles and stuff. So don't go into detail. But with

480
00:21:56,080 --> 00:21:58,000
Speaker 3: doing Instagram stuff you mentioned before, you do so the

481
00:21:58,040 --> 00:22:01,320
Speaker 3: influencer work and DJs. Like, how many different ways are

482
00:22:01,320 --> 00:22:02,719
Speaker 3: there that you make money?

483
00:22:02,840 --> 00:22:05,159
Speaker 1: Yes, lots, which is great, And this is something that

484
00:22:05,240 --> 00:22:07,359
Speaker 1: I really wanted to talk about because it's what I

485
00:22:07,359 --> 00:22:12,440
Speaker 1: really wanted to is diversifying your income streams for maximum safety.

486
00:22:12,720 --> 00:22:16,119
Speaker 1: And like this last twelve months has been. So it's

487
00:22:16,160 --> 00:22:17,880
Speaker 1: like it has just shown me that through and through

488
00:22:17,920 --> 00:22:20,560
Speaker 1: because I literally would make I reckon seventy percent of

489
00:22:20,560 --> 00:22:23,199
Speaker 1: my income from like music and performing and stuff, and

490
00:22:23,280 --> 00:22:26,840
Speaker 1: it literally went down to zero and I had to think, Okay,

491
00:22:26,920 --> 00:22:28,840
Speaker 1: what else, Oh, like what am I going to do

492
00:22:28,880 --> 00:22:31,640
Speaker 1: to kind of compensate this and keep my staff employed

493
00:22:31,680 --> 00:22:34,200
Speaker 1: and keep my business alive? And so social media really

494
00:22:34,200 --> 00:22:38,160
Speaker 1: did take a massive kind of step up in that respect,

495
00:22:38,600 --> 00:22:42,320
Speaker 1: and yeah, it's definitely plays quite a major part even

496
00:22:42,720 --> 00:22:46,840
Speaker 1: at the moment in regards to making money for me.

497
00:22:47,040 --> 00:22:49,840
Speaker 1: I have different types of relationships on social media, so

498
00:22:49,880 --> 00:22:53,560
Speaker 1: ongoing sponsorships as well as more short term like you know,

499
00:22:54,040 --> 00:22:56,680
Speaker 1: one to two to three month relationships with brands which

500
00:22:56,720 --> 00:23:01,840
Speaker 1: is really awesome. And then also have like a share portfolio,

501
00:23:02,280 --> 00:23:06,399
Speaker 1: but it's a very long term perspective share portfolio. So

502
00:23:06,440 --> 00:23:09,159
Speaker 1: I'm mouff to my own heart, Yeah, not intending on

503
00:23:09,280 --> 00:23:11,720
Speaker 1: touching it anytime soon. So I wouldn't say, oh, yeah,

504
00:23:11,720 --> 00:23:13,560
Speaker 1: I'm making money from that, but you.

505
00:23:13,560 --> 00:23:16,160
Speaker 2: Are making money from that, and that income is I'm

506
00:23:16,160 --> 00:23:18,359
Speaker 2: assuming being reinvested for your future.

507
00:23:18,520 --> 00:23:22,879
Speaker 1: Yes, absolutely, so, yeah, long term Futurdara will hopefully be

508
00:23:23,000 --> 00:23:23,600
Speaker 1: very thankful.

509
00:23:23,880 --> 00:23:26,840
Speaker 3: So would you put yourself in a similar category to

510
00:23:27,080 --> 00:23:30,440
Speaker 3: an athlete in that I'm guessing the lifestyle of being

511
00:23:30,520 --> 00:23:34,080
Speaker 3: up at three am playing music, traveling, djaying is maybe

512
00:23:34,119 --> 00:23:36,359
Speaker 3: a young person's game, and when you're fifty or sixty

513
00:23:36,600 --> 00:23:38,199
Speaker 3: you don't want to do it anymore. Like are you

514
00:23:38,240 --> 00:23:40,200
Speaker 3: sort of thinking I got to earn the money now

515
00:23:40,240 --> 00:23:41,480
Speaker 3: while I can kind of vibe?

516
00:23:41,720 --> 00:23:44,880
Speaker 1: Yeah, my partner says I will be djaying when I'm

517
00:23:44,920 --> 00:23:48,280
Speaker 1: sixty with a blue wig on sid Are I really

518
00:23:48,320 --> 00:23:50,960
Speaker 1: hope for my sake and our future children's sake that

519
00:23:51,000 --> 00:23:53,520
Speaker 1: I'm not? Is that like very sorry?

520
00:23:53,600 --> 00:23:56,280
Speaker 2: I want you to be doing it? If that wouldn't

521
00:23:56,359 --> 00:23:57,399
Speaker 2: be so cool?

522
00:23:57,720 --> 00:23:59,200
Speaker 3: Is that something you were aware of it? Like, oh,

523
00:23:59,280 --> 00:24:01,520
Speaker 3: like I can't just assume that what I earned and

524
00:24:01,560 --> 00:24:03,560
Speaker 3: how I earned it this year is how I'll earn

525
00:24:03,600 --> 00:24:04,800
Speaker 3: it in ten years. Yeah.

526
00:24:04,840 --> 00:24:08,040
Speaker 1: Absolutely, I'm like, very very very aware of that, which

527
00:24:08,080 --> 00:24:12,040
Speaker 1: is why I have tried to be relatively smart with

528
00:24:12,080 --> 00:24:16,000
Speaker 1: my money and not buy you know, really ridiculously expensive

529
00:24:16,200 --> 00:24:19,240
Speaker 1: you know, why don't buy a designer anything, Like, don't

530
00:24:19,240 --> 00:24:21,520
Speaker 1: buy you know, stupid crazy sports cars that I know

531
00:24:21,600 --> 00:24:25,280
Speaker 1: a lot of, like athletes or same musicians do. I've

532
00:24:25,320 --> 00:24:27,160
Speaker 1: tried in the last five years to work really well

533
00:24:27,200 --> 00:24:32,200
Speaker 1: with my financial advisors and set up long term, hopefully

534
00:24:32,280 --> 00:24:35,880
Speaker 1: safe investments for the future because I am really aware that,

535
00:24:36,000 --> 00:24:39,359
Speaker 1: you know, I'm twenty nine now. Let's say I have

536
00:24:39,440 --> 00:24:42,439
Speaker 1: kids in four years. I don't know how that's going

537
00:24:42,480 --> 00:24:44,600
Speaker 1: to go. Being pregnant and having babies and being up

538
00:24:44,600 --> 00:24:47,120
Speaker 1: at three am d jing like I don't necessarily see

539
00:24:47,119 --> 00:24:51,240
Speaker 1: the two lifestyles is very conducive, and I really want

540
00:24:51,280 --> 00:24:54,040
Speaker 1: to create and set up an environment where I feel

541
00:24:54,080 --> 00:24:56,440
Speaker 1: like I can take time off to have kids and

542
00:24:57,119 --> 00:25:00,120
Speaker 1: can then you know, after I've done that, be like, Okay,

543
00:25:00,160 --> 00:25:02,920
Speaker 1: what's the situation, what do I feel like doing? So yeah,

544
00:25:02,920 --> 00:25:06,480
Speaker 1: I'm very aware that I mentor in my thirties and

545
00:25:07,000 --> 00:25:10,040
Speaker 1: you know, want to have kids soon and also don't

546
00:25:10,040 --> 00:25:13,040
Speaker 1: know how much longer I will be DJing for It's

547
00:25:13,119 --> 00:25:15,520
Speaker 1: kind of a scary thought. But then there's also so

548
00:25:15,640 --> 00:25:19,440
Speaker 1: much opportunity, Like social media, for example, is just absolutely

549
00:25:19,520 --> 00:25:21,560
Speaker 1: brilliant with what it allows you to do. There's so

550
00:25:21,680 --> 00:25:24,399
Speaker 1: much on there and the scope is so huge. So

551
00:25:24,640 --> 00:25:27,520
Speaker 1: I'm not worried, I'm excited, but it's definitely something.

552
00:25:27,359 --> 00:25:29,960
Speaker 2: I'm aware of all right, So you mentioned your share

553
00:25:30,000 --> 00:25:35,040
Speaker 2: portfolio before, and my next question is probably already answered,

554
00:25:35,280 --> 00:25:37,760
Speaker 2: but that is do you currently invest? If so, how,

555
00:25:37,840 --> 00:25:39,639
Speaker 2: And I'd like to know a little bit more about

556
00:25:39,840 --> 00:25:41,879
Speaker 2: one how you made the decision to invest, because we

557
00:25:41,920 --> 00:25:44,080
Speaker 2: already know you do, but two like what does that

558
00:25:44,119 --> 00:25:44,880
Speaker 2: look like for you?

559
00:25:45,160 --> 00:25:48,520
Speaker 1: Yeah? Cool? Love this? So I suppose I invest in

560
00:25:49,280 --> 00:25:52,959
Speaker 1: two different types of ways in that super being that like,

561
00:25:53,000 --> 00:25:55,480
Speaker 1: you know, investment that we all kind of should be doing.

562
00:25:56,040 --> 00:25:58,280
Speaker 1: And then I do have a share portfolio that I

563
00:25:58,520 --> 00:26:03,480
Speaker 1: have created with my financial advisors. Initially, when they made

564
00:26:03,480 --> 00:26:06,640
Speaker 1: it for me five years ago, I didn't know anything

565
00:26:06,720 --> 00:26:10,159
Speaker 1: about anything, and I just thought it was, you know,

566
00:26:10,520 --> 00:26:13,639
Speaker 1: going and popping into the market and having a bit

567
00:26:13,680 --> 00:26:16,119
Speaker 1: of fun and that was it. And I only realized

568
00:26:16,200 --> 00:26:20,160
Speaker 1: last year crazy that there were things that my money

569
00:26:20,200 --> 00:26:22,400
Speaker 1: was being invested in that I didn't approve of, being

570
00:26:22,440 --> 00:26:26,240
Speaker 1: like mining and coal and live animal exports, tobacco, gambling,

571
00:26:26,280 --> 00:26:30,400
Speaker 1: all this kind of stuff. So twelve months ago ish

572
00:26:30,480 --> 00:26:33,240
Speaker 1: I worked with my financial advisors on changing that to

573
00:26:33,320 --> 00:26:37,760
Speaker 1: a total green portfolio, which was epic. It wasn't the

574
00:26:37,880 --> 00:26:41,920
Speaker 1: smartest financial decision because I suppose the green market is

575
00:26:42,000 --> 00:26:44,760
Speaker 1: kind of newer so there's less I suppose reliability. It's

576
00:26:44,760 --> 00:26:46,840
Speaker 1: not like those blue chip stuff that just like are

577
00:26:46,880 --> 00:26:47,720
Speaker 1: super reliable.

578
00:26:47,840 --> 00:26:49,520
Speaker 3: Yeah, but they could be the big, juicy long term

579
00:26:49,520 --> 00:26:51,919
Speaker 3: wins though you say it's not as valuable, mate, Like,

580
00:26:51,960 --> 00:26:53,840
Speaker 3: who's to say, yeah, it may.

581
00:26:53,720 --> 00:26:54,600
Speaker 1: Be yeah, yeah.

582
00:26:54,800 --> 00:26:56,720
Speaker 2: And I find that really interesting because I have that

583
00:26:56,760 --> 00:26:59,680
Speaker 2: conversation with clients all the time because I'm an ethical

584
00:26:59,680 --> 00:27:03,679
Speaker 2: owner investor, so a lot of people are always saying like, Okay,

585
00:27:03,720 --> 00:27:06,280
Speaker 2: well the market performs said this, and I go, well, okay,

586
00:27:06,400 --> 00:27:09,040
Speaker 2: but in my business, we don't actually compare to that

587
00:27:09,160 --> 00:27:13,000
Speaker 2: benchmark because that benchmark is an indicative of the stocks

588
00:27:13,000 --> 00:27:15,800
Speaker 2: that we're looking at here. So I even find it

589
00:27:15,880 --> 00:27:18,880
Speaker 2: quite interesting when you do compare it because they're completely

590
00:27:18,880 --> 00:27:22,199
Speaker 2: different asset classes, They're completely different investments in my eyes,

591
00:27:22,560 --> 00:27:24,680
Speaker 2: so if you compare it to the average, it's kind

592
00:27:24,680 --> 00:27:26,720
Speaker 2: of like, yeah, I'm obviously taking a little bit of

593
00:27:26,720 --> 00:27:30,359
Speaker 2: a hit, But personally, I don't genuinely believe that in

594
00:27:30,480 --> 00:27:33,720
Speaker 2: fifty years, when I will still actually be alive, give

595
00:27:33,720 --> 00:27:37,320
Speaker 2: a modern science, the stocks that other people who are

596
00:27:37,359 --> 00:27:39,880
Speaker 2: investing in today will be as profitable because I feel

597
00:27:39,880 --> 00:27:42,800
Speaker 2: like there's a lot of scarcity involved in those as well. Absolutely,

598
00:27:42,920 --> 00:27:45,560
Speaker 2: and we're getting smarter and we have bigger voices, and

599
00:27:45,600 --> 00:27:48,120
Speaker 2: like we talk about live animal experts. I hate live

600
00:27:48,160 --> 00:27:51,080
Speaker 2: animal exports and I really yeah, it makes me sick.

601
00:27:51,160 --> 00:27:53,679
Speaker 2: I cannot even watch those videos. People send them to

602
00:27:53,680 --> 00:27:55,199
Speaker 2: me and they're like, hey, watch this.

603
00:27:55,359 --> 00:27:57,320
Speaker 3: A lot of people send them to you because I am.

604
00:27:57,480 --> 00:27:59,840
Speaker 2: That they know that I'm some kind of vicky vegan

605
00:28:00,080 --> 00:28:02,119
Speaker 2: hippie and they actually are like, oh, you'll love this.

606
00:28:02,240 --> 00:28:04,719
Speaker 2: I'm like, no, no, no, That's why I'm not eating at them.

607
00:28:04,760 --> 00:28:05,840
Speaker 3: I'm actively avoiding this.

608
00:28:06,080 --> 00:28:10,800
Speaker 2: I actively avoid this. I can't see that being the future.

609
00:28:10,920 --> 00:28:13,359
Speaker 2: And so for my business, it's investing in the future,

610
00:28:13,359 --> 00:28:15,040
Speaker 2: and it just makes sense. So you're right, you probably

611
00:28:15,040 --> 00:28:17,040
Speaker 2: take it your financial hit now. It's also a bit

612
00:28:17,080 --> 00:28:22,000
Speaker 2: more expensive to invest ethically because it involves being more involved.

613
00:28:22,160 --> 00:28:24,639
Speaker 1: Yes, there was more expenses in that respect, and then

614
00:28:24,680 --> 00:28:29,200
Speaker 1: also expenses in changing the portfolio over, but absolutely no regrets.

615
00:28:29,200 --> 00:28:31,159
Speaker 1: For me. It was like a non negotiable when I

616
00:28:31,160 --> 00:28:34,280
Speaker 1: found out that, you know, my money was helping or

617
00:28:34,320 --> 00:28:37,360
Speaker 1: assisting or being invested in things that I wasn't okay with. Yeah,

618
00:28:37,400 --> 00:28:39,840
Speaker 1: we changed it over immediately, which was cool. And then

619
00:28:39,920 --> 00:28:42,160
Speaker 1: the final thing is I've been really really lucky enough

620
00:28:42,200 --> 00:28:46,040
Speaker 1: to be able to invest in some property, which has

621
00:28:46,120 --> 00:28:50,160
Speaker 1: been cool. And once again, it's just like slow, long

622
00:28:50,240 --> 00:28:53,840
Speaker 1: term burns, not trying to make quick cash grabs or

623
00:28:53,920 --> 00:28:56,440
Speaker 1: quick wins. The point of them is to have them

624
00:28:56,440 --> 00:28:59,880
Speaker 1: there and have them tick away and slowly pay them.

625
00:29:00,800 --> 00:29:03,640
Speaker 3: Have you been even there? She's on the money Facebook group. Yes,

626
00:29:03,800 --> 00:29:10,840
Speaker 3: there has been some significant landlord v Renter passionate discussions.

627
00:29:11,040 --> 00:29:14,320
Speaker 3: There's savage I'm a landlord and a rentor. I'm literally

628
00:29:14,360 --> 00:29:16,760
Speaker 3: both sides of the argument, and I'm sitting there being like,

629
00:29:16,800 --> 00:29:19,600
Speaker 3: oh my god, my.

630
00:29:19,640 --> 00:29:26,240
Speaker 1: Own group, what are you guys? It is really difficult though,

631
00:29:26,240 --> 00:29:31,200
Speaker 1: because I try and be a really great understanding landlord landlord,

632
00:29:31,360 --> 00:29:33,800
Speaker 1: and then you really hope, like the goodcom will come

633
00:29:33,800 --> 00:29:35,959
Speaker 1: back to you and like, you know, make your landlord

634
00:29:36,000 --> 00:29:37,560
Speaker 1: be super nice to you. We have a great we're

635
00:29:37,600 --> 00:29:39,320
Speaker 1: renting at the moment, and we have a great landlord,

636
00:29:39,320 --> 00:29:41,360
Speaker 1: which is awesome, but like you know, that could change.

637
00:29:41,440 --> 00:29:43,000
Speaker 3: Yeah, so you're the same to me, You're both sides

638
00:29:43,040 --> 00:29:43,920
Speaker 3: of the story. Yeah.

639
00:29:43,960 --> 00:29:44,440
Speaker 1: Absolutely.

640
00:29:44,480 --> 00:29:47,360
Speaker 2: I think it's really interesting though, because so many people

641
00:29:47,400 --> 00:29:50,200
Speaker 2: think that landlords must just be these really rich moguls

642
00:29:50,200 --> 00:29:52,800
Speaker 2: that have millions of houses and like that's how they

643
00:29:52,840 --> 00:29:54,840
Speaker 2: derive their income. And it's like, no, I bought that

644
00:29:54,840 --> 00:29:57,240
Speaker 2: property with the money that I've worked my ass off

645
00:29:57,280 --> 00:29:59,560
Speaker 2: to get, and now that income is you know, my

646
00:29:59,640 --> 00:30:02,320
Speaker 2: future in my retirement, and you are putting me in this.

647
00:30:02,400 --> 00:30:06,800
Speaker 3: Box of being mogal that probably barely breaks even. Yeah, yeah,

648
00:30:07,080 --> 00:30:08,320
Speaker 3: are usually a bit of a loss.

649
00:30:08,440 --> 00:30:13,720
Speaker 1: Yeah exactly, I'm not exactly. I mean, you're not rich, but.

650
00:30:15,120 --> 00:30:19,600
Speaker 3: Excuse me the attitude with Victoria around.

651
00:30:19,640 --> 00:30:22,400
Speaker 2: So moving on, I feel like you've got a lot

652
00:30:22,400 --> 00:30:24,720
Speaker 2: of good money habits, but I'd like to ask you,

653
00:30:24,800 --> 00:30:26,600
Speaker 2: what is your worst money habit?

654
00:30:27,640 --> 00:30:31,480
Speaker 1: Yeah? This is bad. So I never shop, but when

655
00:30:31,560 --> 00:30:35,440
Speaker 1: I do, I am a really terrible shopper. I go

656
00:30:35,520 --> 00:30:38,480
Speaker 1: online in a rage, thinking I'm sick of all the

657
00:30:38,520 --> 00:30:41,160
Speaker 1: clothes I wear. I probably buy like four or five

658
00:30:41,240 --> 00:30:44,400
Speaker 1: hundred dollars worth of things, which is, you know, let's

659
00:30:44,400 --> 00:30:47,920
Speaker 1: say five outfits, a heap of them, like will calm,

660
00:30:47,960 --> 00:30:49,920
Speaker 1: they won't fit properly, and I'll be like, yeah, I

661
00:30:49,960 --> 00:30:51,480
Speaker 1: will send them back. I will send them back. And

662
00:30:51,480 --> 00:30:53,880
Speaker 1: then like I'm pushing it to like that twenty eight

663
00:30:54,000 --> 00:30:56,440
Speaker 1: day limit and then off and if forget, and I

664
00:30:56,560 --> 00:31:00,800
Speaker 1: literally hate myself for it so much much for not

665
00:31:00,880 --> 00:31:03,400
Speaker 1: doing that. What do you say, twenty four hours think

666
00:31:03,400 --> 00:31:05,800
Speaker 1: about it? Yeah, way, I don't do that. I get

667
00:31:05,840 --> 00:31:07,480
Speaker 1: on in a rage and I just purchase all this

668
00:31:07,600 --> 00:31:12,560
Speaker 1: stuff and it's really toxic. So that's my money confession. First,

669
00:31:12,760 --> 00:31:14,920
Speaker 1: I love that we relatable.

670
00:31:15,200 --> 00:31:17,880
Speaker 3: We may have another use for DJ Tiger Lily's leftovers

671
00:31:17,880 --> 00:31:20,000
Speaker 3: that she's on the money. If you want some clothes,

672
00:31:20,040 --> 00:31:20,440
Speaker 3: make them.

673
00:31:20,480 --> 00:31:21,560
Speaker 1: You're really fashionable.

674
00:31:21,880 --> 00:31:25,920
Speaker 3: Do you feel, as, especially as a female being in

675
00:31:25,960 --> 00:31:29,120
Speaker 3: the entertainment industry, the pressure to always be wearing something

676
00:31:29,160 --> 00:31:31,320
Speaker 3: different because you're on Instagram all the time, and heaven

677
00:31:31,360 --> 00:31:33,160
Speaker 3: forbid you would wear the same clothes again? Right?

678
00:31:33,320 --> 00:31:35,920
Speaker 1: Yeah? I used to, But I'm like a massive fan

679
00:31:36,040 --> 00:31:39,520
Speaker 1: of like re wearing stuff now. Also, so you know

680
00:31:39,680 --> 00:31:43,880
Speaker 1: about sustainability and you know, reusing as much stuff as

681
00:31:43,880 --> 00:31:46,560
Speaker 1: we can. So I've started this actually cool habit which

682
00:31:46,600 --> 00:31:48,120
Speaker 1: I really like, is like putting clothes away in a

683
00:31:48,120 --> 00:31:50,400
Speaker 1: box that you just forget about. Like I get those

684
00:31:50,440 --> 00:31:53,760
Speaker 1: big plastic km up things the sixty leader tubs, pop

685
00:31:53,800 --> 00:31:55,840
Speaker 1: them away in the spare room, and then like two

686
00:31:55,880 --> 00:31:58,360
Speaker 1: seasons later, you open the box up and it's like

687
00:31:58,480 --> 00:32:04,320
Speaker 1: having you close. She's a genius, so so so good.

688
00:32:04,480 --> 00:32:07,280
Speaker 1: So yeah, I definitely do feel the pressure a little bit.

689
00:32:07,320 --> 00:32:09,520
Speaker 1: And I'm a massive fan of hiring. I hire like

690
00:32:09,560 --> 00:32:11,640
Speaker 1: a lot of my outfits for you know, events and

691
00:32:11,640 --> 00:32:15,440
Speaker 1: bits and pieces, and love doing loans from companies as well,

692
00:32:15,560 --> 00:32:18,640
Speaker 1: because then you're not actually having to buy stuff and

693
00:32:18,720 --> 00:32:21,720
Speaker 1: other girls can be loaning it, so that's really cool

694
00:32:21,760 --> 00:32:24,360
Speaker 1: as well. It's a nice advantage of having the ability

695
00:32:24,360 --> 00:32:24,720
Speaker 1: to do that.

696
00:32:25,080 --> 00:32:28,320
Speaker 2: Second last question of the formatted questions, what are you

697
00:32:28,320 --> 00:32:30,720
Speaker 2: currently saving for? Do you have a big money goal

698
00:32:30,760 --> 00:32:31,240
Speaker 2: at the moment?

699
00:32:31,880 --> 00:32:35,160
Speaker 1: Well, Scott and I, my partner, got engaged last week and.

700
00:32:35,440 --> 00:32:38,080
Speaker 2: I saw that I was going to stout your ring,

701
00:32:38,120 --> 00:32:40,560
Speaker 2: but I also thought that maybe I'm not going to

702
00:32:40,600 --> 00:32:42,560
Speaker 2: ask off the bat having just met it.

703
00:32:42,560 --> 00:32:43,160
Speaker 1: It's crazy.

704
00:32:43,240 --> 00:32:44,800
Speaker 3: How did that ring fit in this studio?

705
00:32:44,960 --> 00:32:47,600
Speaker 1: I don't know? And Scott designed it himself.

706
00:32:47,760 --> 00:32:49,240
Speaker 2: What he's a hold on?

707
00:32:49,280 --> 00:32:49,560
Speaker 1: Hold on?

708
00:32:49,680 --> 00:32:53,000
Speaker 2: So is there diamond band on with it or is it?

709
00:32:53,120 --> 00:32:54,520
Speaker 1: Yes, it's like attached.

710
00:32:54,840 --> 00:32:55,640
Speaker 2: I love it.

711
00:32:55,840 --> 00:32:56,160
Speaker 1: I know.

712
00:32:56,520 --> 00:32:57,960
Speaker 2: I was so pervy and I was like, I'm not

713
00:32:57,960 --> 00:33:00,040
Speaker 2: going to ask you straight off the bat, that's so

714
00:33:00,120 --> 00:33:00,400
Speaker 2: ask me.

715
00:33:00,440 --> 00:33:01,600
Speaker 1: I love when people ask him like.

716
00:33:02,000 --> 00:33:05,360
Speaker 3: And was it a complete surprise or did you know

717
00:33:05,400 --> 00:33:07,080
Speaker 3: what was coming? Or tell us everything.

718
00:33:06,840 --> 00:33:09,920
Speaker 1: Total surprise, absolute, total surprise. I'm a pain in the ass,

719
00:33:09,920 --> 00:33:12,000
Speaker 1: and so I'm like sending Scott rings being like, you know,

720
00:33:12,280 --> 00:33:13,240
Speaker 1: be lovely to get married.

721
00:33:13,280 --> 00:33:15,160
Speaker 3: You know, it's really it sounds like someone I know,

722
00:33:15,800 --> 00:33:16,720
Speaker 3: Victoria divine.

723
00:33:17,440 --> 00:33:19,600
Speaker 1: I'll do what you have to say. My employ was

724
00:33:19,600 --> 00:33:21,200
Speaker 1: none of our friends are married yet, so I was like,

725
00:33:21,440 --> 00:33:23,200
Speaker 1: you know, you want to be the first. So people

726
00:33:23,200 --> 00:33:26,360
Speaker 1: are like so excited for your wedding, and it's like

727
00:33:26,720 --> 00:33:28,959
Speaker 1: get in first, the biggest, best party, and then all

728
00:33:28,960 --> 00:33:30,720
Speaker 1: the other rests, all the rest will like you know,

729
00:33:30,840 --> 00:33:33,640
Speaker 1: have to like compare to yours, which are first. Are

730
00:33:33,640 --> 00:33:36,760
Speaker 1: you're going to DJ you're in wedding? No way, no way,

731
00:33:36,800 --> 00:33:37,720
Speaker 1: no way, no way.

732
00:33:38,200 --> 00:33:39,160
Speaker 3: Work at your own wedding.

733
00:33:39,360 --> 00:33:39,560
Speaker 1: No.

734
00:33:39,640 --> 00:33:42,440
Speaker 2: But some people, like if they're musicians, they're like sing

735
00:33:42,480 --> 00:33:43,800
Speaker 2: at their own wedding or maybe.

736
00:33:43,600 --> 00:33:45,720
Speaker 1: Like it was a ten minute set, maybe a ten

737
00:33:45,760 --> 00:33:47,480
Speaker 1: minute set right at the end of like three Aye,

738
00:33:47,600 --> 00:33:48,600
Speaker 1: that would be so funn Will.

739
00:33:48,480 --> 00:33:50,160
Speaker 3: You knock out a few taxi turns at your wedding?

740
00:33:52,040 --> 00:33:53,640
Speaker 1: Well, I give that money.

741
00:33:53,640 --> 00:33:56,480
Speaker 2: Advice left friend I'll be like, guys, this is the

742
00:33:56,560 --> 00:33:57,280
Speaker 2: money win for you.

743
00:33:57,320 --> 00:33:58,080
Speaker 1: The tab is on me.

744
00:33:58,800 --> 00:34:00,720
Speaker 3: Here's a question, how am I to you planning on

745
00:34:00,800 --> 00:34:03,400
Speaker 3: spending for a wedding, because weddings can be anywhere from

746
00:34:03,560 --> 00:34:06,280
Speaker 3: zero to literally hundreds of thousands of dollars.

747
00:34:06,320 --> 00:34:09,560
Speaker 2: Well, the average wedding in Australia is apparently fifty two

748
00:34:09,640 --> 00:34:12,480
Speaker 2: thousand dollars as of a twenty nineteen study that I

749
00:34:12,520 --> 00:34:13,920
Speaker 2: was reading literally the other day.

750
00:34:14,520 --> 00:34:17,759
Speaker 1: Yeah, that's a lot of dollars. Yeah, we don't know.

751
00:34:17,880 --> 00:34:20,239
Speaker 1: So obviously we're still in like I'm still shocked, Like

752
00:34:20,239 --> 00:34:21,400
Speaker 1: I look at it and I'm surprised.

753
00:34:21,440 --> 00:34:23,920
Speaker 2: I'll be around there on my finger. Yeah, I'm just

754
00:34:23,960 --> 00:34:25,640
Speaker 2: behind the mic and I'm trying to work.

755
00:34:26,160 --> 00:34:28,360
Speaker 1: But in regards to I don't know. I said to Scott,

756
00:34:28,480 --> 00:34:31,120
Speaker 1: we should start like a wedding saving account and just

757
00:34:31,160 --> 00:34:33,680
Speaker 1: like directly deposit X amount each week for both of

758
00:34:33,760 --> 00:34:36,600
Speaker 1: us so we can save up like hopefully pretty quickly

759
00:34:36,600 --> 00:34:38,400
Speaker 1: for the next twelve months and make that a priority.

760
00:34:39,040 --> 00:34:41,080
Speaker 1: I don't know how much, Like we don't have a

761
00:34:41,080 --> 00:34:44,560
Speaker 1: budget yet because we haven't spoken about any of it.

762
00:34:44,640 --> 00:34:48,040
Speaker 1: We had some really good friends just get married. A

763
00:34:48,080 --> 00:34:51,359
Speaker 1: couple of weeks ago, and I think their wedding came

764
00:34:51,480 --> 00:34:54,719
Speaker 1: in around oh, I don't know. It was probably a

765
00:34:54,719 --> 00:34:57,760
Speaker 1: bit over the average. And it's a lot of money

766
00:34:57,760 --> 00:35:00,399
Speaker 1: to be thinking about we do have, or.

767
00:35:00,320 --> 00:35:02,120
Speaker 3: It's exciting or when you think of the money side

768
00:35:02,160 --> 00:35:03,640
Speaker 3: of it, like it's one of.

769
00:35:03,600 --> 00:35:06,200
Speaker 1: These things where like it's terrifying because you're like, oh,

770
00:35:06,239 --> 00:35:08,520
Speaker 1: that's like a pretty good deposit on a house, Like yeow,

771
00:35:08,560 --> 00:35:12,120
Speaker 1: it's crazy, what a waste. But it is also exciting

772
00:35:12,239 --> 00:35:15,080
Speaker 1: in that Scott and I both do have good jobs,

773
00:35:15,160 --> 00:35:18,600
Speaker 1: and we are both conscious of the fact that, you know,

774
00:35:18,960 --> 00:35:21,239
Speaker 1: let's spend good money on the stuff that we really

775
00:35:21,280 --> 00:35:24,799
Speaker 1: care about and cheap out or skip the stuff that

776
00:35:24,840 --> 00:35:26,880
Speaker 1: we you know, don't want. Like we're not going to

777
00:35:26,960 --> 00:35:29,000
Speaker 1: have an engagement party. I think we'll have some friends

778
00:35:29,040 --> 00:35:32,719
Speaker 1: over and have a barbecue in the backyard stuff like that.

779
00:35:32,719 --> 00:35:34,279
Speaker 1: Like we're not going to do the high t's and

780
00:35:34,320 --> 00:35:36,719
Speaker 1: all that type of celler tees or whatever they're called.

781
00:35:36,760 --> 00:35:38,920
Speaker 3: Don't spend eight dollars per seat on a ribbon for

782
00:35:38,960 --> 00:35:39,359
Speaker 3: the chair.

783
00:35:39,640 --> 00:35:42,480
Speaker 1: Yeah, none of that. I mean, wait, hold on, did

784
00:35:42,520 --> 00:35:43,640
Speaker 1: you not do that at your wedding?

785
00:35:44,840 --> 00:35:45,040
Speaker 3: Yeah?

786
00:35:45,160 --> 00:35:50,040
Speaker 1: Geniuses? The two chairs so good, But we do have

787
00:35:50,080 --> 00:35:53,319
Speaker 1: an awesome like money in with the wedding. In that

788
00:35:53,400 --> 00:35:56,799
Speaker 1: Scott's parents live on an epic property, it's going to

789
00:35:56,840 --> 00:35:59,239
Speaker 1: be so so yeah, we're going to try and do

790
00:35:59,320 --> 00:36:03,239
Speaker 1: it there. And which you know, venues around Sydney are

791
00:36:03,280 --> 00:36:07,000
Speaker 1: like twenty grand kind of minimum, a huge wait list.

792
00:36:07,200 --> 00:36:11,040
Speaker 2: I mean, yeah, complete any date you want, yes, unless

793
00:36:11,040 --> 00:36:12,480
Speaker 2: they're hosting other weddings.

794
00:36:12,640 --> 00:36:16,319
Speaker 1: Well, funnily enough, Scott's sister got engaged five days after us.

795
00:36:16,400 --> 00:36:18,319
Speaker 2: See audacity would have.

796
00:36:18,280 --> 00:36:20,000
Speaker 3: Been so pierce to find out that you're snuck in

797
00:36:20,040 --> 00:36:29,399
Speaker 3: by a.

798
00:36:24,800 --> 00:36:27,920
Speaker 1: Anyway, So I think they're going to get married sooner

799
00:36:28,040 --> 00:36:30,480
Speaker 1: rather than later. So maybe in like September October from

800
00:36:30,680 --> 00:36:33,640
Speaker 1: the you know, the one quick conversation we've had with them,

801
00:36:33,880 --> 00:36:36,000
Speaker 1: So you can let them do that. They can trial

802
00:36:36,040 --> 00:36:39,200
Speaker 1: the venue, absolutely you can. Then in their twelve months time,

803
00:36:39,320 --> 00:36:41,560
Speaker 1: we'll take all their tips and genius.

804
00:36:41,719 --> 00:36:44,759
Speaker 3: Yeah, I have a random question and just let me

805
00:36:44,840 --> 00:36:47,240
Speaker 3: go on the record of saying myself and I'm assuming

806
00:36:47,280 --> 00:36:49,600
Speaker 3: Victoria's all for this, so don't feel like it's awful

807
00:36:49,640 --> 00:36:53,200
Speaker 3: to say you do it ethically morally. Whatever. If some

808
00:36:53,360 --> 00:36:56,120
Speaker 3: brand was like, hey will chip in for the wedding

809
00:36:56,239 --> 00:37:00,000
Speaker 3: and supply the our brand of sparkling champagne or something.

810
00:37:00,400 --> 00:37:01,960
Speaker 3: Would you take the cash and the stuff? And like

811
00:37:02,040 --> 00:37:03,600
Speaker 3: I said, I would.

812
00:37:03,040 --> 00:37:05,680
Speaker 2: Percent just putting on record that if anybody at some

813
00:37:05,800 --> 00:37:08,320
Speaker 2: point when I do manage to get engaged and convinced

814
00:37:08,320 --> 00:37:10,239
Speaker 2: Steve that it is a good idea, I'll take it.

815
00:37:10,320 --> 00:37:14,480
Speaker 3: Yeah, what would you? Obviously it depends on brand in

816
00:37:14,600 --> 00:37:16,080
Speaker 3: theory one thousand.

817
00:37:16,560 --> 00:37:19,600
Speaker 1: Yes, I've already been hit up by three dress companies

818
00:37:19,760 --> 00:37:23,160
Speaker 1: and I am one hundred percent going to work with

819
00:37:23,160 --> 00:37:26,000
Speaker 1: one of them because why not. Oh my gosh, as

820
00:37:26,040 --> 00:37:28,359
Speaker 1: if not, like it's such, I don't mean so can

821
00:37:28,440 --> 00:37:30,480
Speaker 1: and look at the end of the day like you look,

822
00:37:30,719 --> 00:37:32,840
Speaker 1: I don't know. I've been obsessed with wedding photos the

823
00:37:32,920 --> 00:37:36,520
Speaker 1: last nine days and like looking through everyone's wedding stuff

824
00:37:36,560 --> 00:37:40,120
Speaker 1: and everyone's tagged anyway, So like you know, when it's like,

825
00:37:40,120 --> 00:37:41,600
Speaker 1: you know, hair by this person, make.

826
00:37:41,520 --> 00:37:44,760
Speaker 3: It, it'll be a pretty subtle hashtag spun, won't it. Yeah?

827
00:37:45,160 --> 00:37:47,560
Speaker 2: And it sounds wanky right now. I definitely don't have

828
00:37:47,680 --> 00:37:50,360
Speaker 2: enough followers to justify any of this, but I have

829
00:37:50,440 --> 00:37:52,120
Speaker 2: a lot of clients that do. And you kind of

830
00:37:52,120 --> 00:37:55,080
Speaker 2: go people following you because they're genuinely invested in your

831
00:37:55,160 --> 00:37:57,600
Speaker 2: journey and what you're up to, and it gives that

832
00:37:57,719 --> 00:38:00,000
Speaker 2: brand if they're willing to part with that. I don't

833
00:38:00,120 --> 00:38:02,640
Speaker 2: really love when influencers slide into brand stams and like

834
00:38:02,680 --> 00:38:05,640
Speaker 2: give us free stuff, but that gives them such great

835
00:38:05,719 --> 00:38:08,719
Speaker 2: exposure to a community that genuinely want to be.

836
00:38:08,719 --> 00:38:11,239
Speaker 1: More like you or see what you're up to. Like,

837
00:38:11,320 --> 00:38:14,040
Speaker 1: it's fantastic as long as like the brands aligned, which

838
00:38:14,080 --> 00:38:18,200
Speaker 1: I think for wedding generally they like will so yeah,

839
00:38:18,200 --> 00:38:19,959
Speaker 1: but then also we're conscious, like Scott and I spoke

840
00:38:19,960 --> 00:38:22,160
Speaker 1: about this the other day after we've gotten hit up

841
00:38:22,200 --> 00:38:25,200
Speaker 1: from the dress companies like not taking people for a

842
00:38:25,320 --> 00:38:27,480
Speaker 1: ride as well, because like that's their bread and butter,

843
00:38:27,560 --> 00:38:30,200
Speaker 1: so like figuring it out. But yes, if you want

844
00:38:30,200 --> 00:38:33,640
Speaker 1: to give me a discount for something wedding, hit me totally.

845
00:38:33,760 --> 00:38:35,000
Speaker 1: Champagne would be great.

846
00:38:35,360 --> 00:38:36,520
Speaker 2: Way hit us up.

847
00:38:37,600 --> 00:38:39,600
Speaker 3: We're friends with Yeah, we are.

848
00:38:40,360 --> 00:38:43,560
Speaker 1: Anyway back to the original question, that will be definitely

849
00:38:43,560 --> 00:38:47,680
Speaker 1: the next twelve months of saving. It wasn't on the

850
00:38:47,920 --> 00:38:50,920
Speaker 1: plan life plan, but that's fine, work we work with it.

851
00:38:51,200 --> 00:38:53,160
Speaker 2: Like I wasn't going to ask you that question, and

852
00:38:53,160 --> 00:38:54,920
Speaker 2: then I knew you got engaged, So I was like, I'm.

853
00:38:54,760 --> 00:38:57,839
Speaker 1: Gonna ask her because you bring up a wedding. I'm

854
00:38:57,840 --> 00:38:59,520
Speaker 1: happy to talk about weddings all the time.

855
00:39:00,800 --> 00:39:04,000
Speaker 2: So last question before we jump into a break, how

856
00:39:04,040 --> 00:39:05,839
Speaker 2: would you rate yourself if I forced you to give

857
00:39:05,880 --> 00:39:07,200
Speaker 2: yourself a financial reading.

858
00:39:07,520 --> 00:39:12,399
Speaker 1: I feel pretty proud of my development with money and

859
00:39:12,480 --> 00:39:14,600
Speaker 1: like what I've done shout out to my dad and

860
00:39:14,680 --> 00:39:18,720
Speaker 1: my great accountants. So I feel like I'd give myself

861
00:39:18,760 --> 00:39:22,520
Speaker 1: an A because I feel like I still have room

862
00:39:22,640 --> 00:39:25,719
Speaker 1: to move and to probably be a little bit more

863
00:39:25,760 --> 00:39:28,759
Speaker 1: savvy with general spending. But for the most part, I

864
00:39:28,760 --> 00:39:31,160
Speaker 1: feel like I'm really proud of the way I've invested

865
00:39:31,160 --> 00:39:33,680
Speaker 1: my money over the last ten years. I love that.

866
00:39:34,080 --> 00:39:36,200
Speaker 2: Yeah, I'm going to ask you so many more questions

867
00:39:36,200 --> 00:39:38,640
Speaker 2: about that, right, I love? Did this really quick break?

868
00:39:45,640 --> 00:39:47,840
Speaker 2: All right, let's jump straight back into it.

869
00:39:47,960 --> 00:39:48,520
Speaker 1: Dara.

870
00:39:48,640 --> 00:39:52,120
Speaker 3: You said that your financial literacy or just interested in

871
00:39:52,200 --> 00:39:54,560
Speaker 3: it came from your dad. He was an accountant. Did

872
00:39:54,600 --> 00:39:56,879
Speaker 3: he literally sit you down and be like, okay, it's

873
00:39:57,000 --> 00:40:01,120
Speaker 3: homeschooling money time or how does that come about with him?

874
00:40:01,120 --> 00:40:03,560
Speaker 1: I think it's not been an exact sit down, A

875
00:40:03,560 --> 00:40:08,120
Speaker 1: good conversation of let's talk about money It was more

876
00:40:08,160 --> 00:40:10,759
Speaker 1: along the lines of a couple of years into the

877
00:40:10,800 --> 00:40:14,239
Speaker 1: business and things started to go really well, and it

878
00:40:14,320 --> 00:40:18,560
Speaker 1: was obvious that I needed some help with organizing stuff

879
00:40:18,680 --> 00:40:21,759
Speaker 1: because stuff just wasn't getting done, and there was money

880
00:40:21,760 --> 00:40:24,000
Speaker 1: coming in and there was money going out. And I

881
00:40:24,040 --> 00:40:27,480
Speaker 1: always had a bit of an anxiety of not actually

882
00:40:27,560 --> 00:40:33,040
Speaker 1: knowing how much money I owned, and running your own business,

883
00:40:33,160 --> 00:40:35,600
Speaker 1: you obviously have to pay your own tax and your

884
00:40:35,600 --> 00:40:38,960
Speaker 1: own super and you know, things like insurance and worker

885
00:40:39,000 --> 00:40:42,839
Speaker 1: scump and all these really gross bills, but they only

886
00:40:42,920 --> 00:40:44,960
Speaker 1: really ever come up, like once a quarter or once

887
00:40:44,960 --> 00:40:47,440
Speaker 1: every twelve months, and so at the beginning, I was

888
00:40:47,480 --> 00:40:50,120
Speaker 1: really unaware of how much money I actually had and

889
00:40:50,160 --> 00:40:52,880
Speaker 1: like what I was actually doing. And so Dad was

890
00:40:52,960 --> 00:40:55,640
Speaker 1: really great at coming in and helping me set up

891
00:40:56,000 --> 00:40:59,920
Speaker 1: processes and using zero and like getting a great like

892
00:41:00,080 --> 00:41:02,239
Speaker 1: you know, finance team on board to like, you know,

893
00:41:02,320 --> 00:41:06,600
Speaker 1: help me make some smart long term decisions. So he's

894
00:41:06,600 --> 00:41:09,719
Speaker 1: been really good in that respect, and I love his

895
00:41:10,160 --> 00:41:14,279
Speaker 1: outlook on finance, and he loves spending, but he also

896
00:41:14,320 --> 00:41:17,520
Speaker 1: loves saving, but spending things on the right things like

897
00:41:17,680 --> 00:41:21,480
Speaker 1: shares or property. Him and Mum are pretty frugal with

898
00:41:21,560 --> 00:41:26,279
Speaker 1: their spending. I'm definitely no where here is frugals. Oh

899
00:41:26,360 --> 00:41:28,440
Speaker 1: my gosh, my mom is horrified of the things I

900
00:41:28,440 --> 00:41:31,480
Speaker 1: spend my money on, like fourteen dollars vegan cheese, but

901
00:41:31,600 --> 00:41:34,160
Speaker 1: it's so delicious. I'm sorry.

902
00:41:34,480 --> 00:41:38,680
Speaker 2: Agree biocheese. It's biocheese, isn't it. You don't like biocheese?

903
00:41:38,719 --> 00:41:41,640
Speaker 2: I like Delecto's. Do you have Harri's Farm here?

904
00:41:42,080 --> 00:41:45,120
Speaker 1: I don't think so. It's like a big supermar grosser

905
00:41:45,239 --> 00:41:47,359
Speaker 1: in Sydney. You'll be able to get Delecto online. They

906
00:41:47,400 --> 00:41:49,600
Speaker 1: do a blue cheese and it literally tastes like blue cheese,

907
00:41:49,600 --> 00:41:53,319
Speaker 1: but it's really expensive. Yeah, ask yess how much I

908
00:41:53,360 --> 00:41:53,919
Speaker 1: spent all food?

909
00:41:54,040 --> 00:41:54,080
Speaker 3: Is?

910
00:41:54,640 --> 00:41:55,560
Speaker 1: Yes? Pretty bad.

911
00:41:55,800 --> 00:41:58,880
Speaker 3: What's your parents' vibe and your vibe on how money

912
00:41:58,920 --> 00:42:01,600
Speaker 3: works for you? So for me, for example, I actually

913
00:42:01,680 --> 00:42:03,520
Speaker 3: have no qualms about being rich. For me, it's just

914
00:42:03,560 --> 00:42:06,080
Speaker 3: about security. You know. I have this deep fear that

915
00:42:06,160 --> 00:42:08,560
Speaker 3: one day it'll all be gone and I'll be out

916
00:42:08,600 --> 00:42:09,879
Speaker 3: on the streets and I know. So for me, it's

917
00:42:09,880 --> 00:42:12,200
Speaker 3: about like safety in security, But for other people it's

918
00:42:12,239 --> 00:42:15,360
Speaker 3: about flashiness or doing stuff. And there's lots of different versions.

919
00:42:15,360 --> 00:42:17,760
Speaker 3: So what would your parents be and what would yours

920
00:42:17,760 --> 00:42:18,200
Speaker 3: be the same.

921
00:42:18,480 --> 00:42:22,160
Speaker 1: So Mum and dadda definitely safety and security. They do

922
00:42:22,280 --> 00:42:26,520
Speaker 1: have an amazing beautiful house. It's like right on the

923
00:42:26,560 --> 00:42:29,560
Speaker 1: ocean in Sydney, but it's like not flashy and that

924
00:42:29,600 --> 00:42:32,000
Speaker 1: it's you know, there's not marble bench stops and like

925
00:42:32,080 --> 00:42:34,360
Speaker 1: chandeliers and all this stuff. It's like a really cozy

926
00:42:34,600 --> 00:42:37,640
Speaker 1: home in that respect. That and they do definitely have

927
00:42:37,680 --> 00:42:39,960
Speaker 1: a safety and security mindset when it comes to money,

928
00:42:40,000 --> 00:42:43,080
Speaker 1: so like considering like their super and like their properties

929
00:42:43,120 --> 00:42:46,560
Speaker 1: and like their share portfolio and stuff. Dad definitely likes

930
00:42:46,560 --> 00:42:48,080
Speaker 1: to go rogue on the shares.

931
00:42:48,640 --> 00:42:50,680
Speaker 3: Or gets a hot tip and just has a crack

932
00:42:50,719 --> 00:42:51,120
Speaker 3: at something.

933
00:42:51,280 --> 00:42:55,879
Speaker 1: Absolutely, But I think I'm definitely like that as well,

934
00:42:55,960 --> 00:42:58,760
Speaker 1: keeping in mind what we were speaking about before about

935
00:42:59,840 --> 00:43:03,360
Speaker 1: really understanding that my career probably has some sort of

936
00:43:03,440 --> 00:43:06,440
Speaker 1: time frame on it and how to prepare for the future.

937
00:43:07,280 --> 00:43:11,440
Speaker 1: So I'm definitely not slashy. I'm definitely more about the

938
00:43:11,440 --> 00:43:14,239
Speaker 1: security kind of things. But in saying that, like, yeah,

939
00:43:14,280 --> 00:43:16,600
Speaker 1: I did just buy a new car, although it took

940
00:43:16,640 --> 00:43:19,040
Speaker 1: me way too long to do. And Scott and I

941
00:43:19,160 --> 00:43:21,680
Speaker 1: do live in a lovely house, but we're still renting

942
00:43:21,760 --> 00:43:23,880
Speaker 1: because we can't afford to buy the house that we

943
00:43:23,920 --> 00:43:26,959
Speaker 1: actually live in because the Sydney property market is just ridunculous.

944
00:43:27,000 --> 00:43:30,799
Speaker 1: So I think I do spend the money on things

945
00:43:30,800 --> 00:43:32,480
Speaker 1: that I know are going to make me happy and

946
00:43:32,480 --> 00:43:35,000
Speaker 1: make me feel good, but then also make sure there's

947
00:43:35,080 --> 00:43:38,239
Speaker 1: enough to be putting into you know, my savings and

948
00:43:38,280 --> 00:43:39,760
Speaker 1: my shares and all that kind of stuff.

949
00:43:40,080 --> 00:43:42,879
Speaker 2: You mentioned career before, and you know, knowing that there's

950
00:43:42,920 --> 00:43:46,000
Speaker 2: a limited timeframe on your career, but I want to

951
00:43:46,000 --> 00:43:47,759
Speaker 2: know what did you want to be when you grew up?

952
00:43:47,800 --> 00:43:49,799
Speaker 2: Did you always want to be a DJ? How did

953
00:43:49,840 --> 00:43:50,719
Speaker 2: that eventuate?

954
00:43:51,160 --> 00:43:53,960
Speaker 1: So I went to a selective girls high school, and

955
00:43:54,280 --> 00:43:57,440
Speaker 1: you were going to be like in finance, a doctor,

956
00:43:57,600 --> 00:44:00,000
Speaker 1: a lawyer, an engineer, and that was kind of easy.

957
00:44:01,120 --> 00:44:05,000
Speaker 1: So I actually went to UNI to study dentistry. What, yeah,

958
00:44:05,040 --> 00:44:08,680
Speaker 1: I know, she has such beautiful teath. Yeah, oh you

959
00:44:08,719 --> 00:44:10,560
Speaker 1: know what. That's why I wanted to do it, because

960
00:44:10,600 --> 00:44:13,120
Speaker 1: I had theest teeth you've ever seen. And then my

961
00:44:13,280 --> 00:44:17,919
Speaker 1: orthodontist changed my self confidence forever. Like I would never

962
00:44:17,960 --> 00:44:19,919
Speaker 1: open my mouth, I didn't want to smile. I feel

963
00:44:19,960 --> 00:44:21,359
Speaker 1: so sad thinking about how like.

964
00:44:21,400 --> 00:44:23,840
Speaker 2: I'm literally the same. If you go through our photos

965
00:44:23,880 --> 00:44:26,080
Speaker 2: on Instagram. I used to smile with a closed mouth,

966
00:44:26,120 --> 00:44:28,360
Speaker 2: and since in VISI line, I was like yay, and

967
00:44:28,440 --> 00:44:29,360
Speaker 2: I'm not even done.

968
00:44:29,719 --> 00:44:32,640
Speaker 1: Yes, seriously, I remember the day I got my braces off.

969
00:44:32,680 --> 00:44:35,120
Speaker 1: It was potentially the second happiest day of my life

970
00:44:35,120 --> 00:44:40,359
Speaker 1: because I was just like everyone look at so yeah.

971
00:44:40,360 --> 00:44:43,160
Speaker 1: I think having that incredible experience was what made me

972
00:44:43,200 --> 00:44:47,640
Speaker 1: want to give other people that experience. But twelve months

973
00:44:47,640 --> 00:44:49,400
Speaker 1: into doing a science degree it's in a UNI, I

974
00:44:49,440 --> 00:44:52,640
Speaker 1: was like, m this really really sucks hours long, and

975
00:44:52,920 --> 00:44:56,400
Speaker 1: to become an orthodontist it's generally like ten to fourteen

976
00:44:56,480 --> 00:44:59,880
Speaker 1: years of studying, practicing, specializing.

977
00:45:00,280 --> 00:45:01,040
Speaker 3: Yeah it's full.

978
00:45:01,200 --> 00:45:04,880
Speaker 1: Yeah, yeah, it's a lot. And that just wasn't for me. Meanwhile,

979
00:45:04,960 --> 00:45:07,919
Speaker 1: I was DJing for twenty five dollars and a free

980
00:45:07,960 --> 00:45:11,440
Speaker 1: drink hard and absolutely loving the shit out of it.

981
00:45:12,000 --> 00:45:15,280
Speaker 1: And so then I changed to a Media and Communications degree,

982
00:45:15,719 --> 00:45:19,360
Speaker 1: which I then continued and finished while dj hustling on

983
00:45:19,400 --> 00:45:19,920
Speaker 1: the side.

984
00:45:20,400 --> 00:45:23,000
Speaker 2: Are you the most intelligent DJ in Australia?

985
00:45:23,560 --> 00:45:25,680
Speaker 1: No, I would love to be.

986
00:45:26,680 --> 00:45:30,200
Speaker 3: I don't know if this is a really like inappropriate question, like.

987
00:45:30,280 --> 00:45:32,080
Speaker 1: Probably is probably let's go.

988
00:45:32,280 --> 00:45:35,440
Speaker 3: Let's go. Anyway, You're like we've all just met like

989
00:45:35,440 --> 00:45:38,840
Speaker 3: in person today. You're clearly very smart, loving chatting with you.

990
00:45:39,000 --> 00:45:42,319
Speaker 2: Yeah, same, it's going much longer, and you are so articulate.

991
00:45:42,880 --> 00:45:45,400
Speaker 3: And I'm not blushing. I'm not suggesting that I was

992
00:45:45,400 --> 00:45:48,960
Speaker 3: implying otherwise. I'm honestly not. But do people assume that

993
00:45:49,040 --> 00:45:51,640
Speaker 3: someone who is really good looking has blonde hair and

994
00:45:51,719 --> 00:45:53,520
Speaker 3: is a DJ? Do they kind of assume you might

995
00:45:53,520 --> 00:45:55,000
Speaker 3: be a bit ditsy and a bit you know.

996
00:45:55,120 --> 00:45:59,640
Speaker 1: Like thing, Yes, one hundred percent few rude though this

997
00:46:00,960 --> 00:46:04,120
Speaker 1: I know, like this is even like not just from

998
00:46:04,160 --> 00:46:07,000
Speaker 1: being intelligent. It's actually a theme that goes fully into

999
00:46:07,000 --> 00:46:08,960
Speaker 1: the DJ industry in the music industry as well. Like

1000
00:46:09,080 --> 00:46:12,600
Speaker 1: people still think I can't DJ or write music because

1001
00:46:12,600 --> 00:46:15,360
Speaker 1: I'm a hot chick. It's rue, literally, and I'm like,

1002
00:46:15,520 --> 00:46:18,360
Speaker 1: come to one of my shows and stand next to

1003
00:46:18,360 --> 00:46:21,000
Speaker 1: me and watch me play because I'm a great DJ.

1004
00:46:21,520 --> 00:46:25,120
Speaker 1: Like I love that, so, Like it's quite frustrating because

1005
00:46:25,120 --> 00:46:27,320
Speaker 1: it means that, like, I don't know, there's something about society.

1006
00:46:27,360 --> 00:46:30,319
Speaker 1: You can't be a good looking, confident woman and like

1007
00:46:30,600 --> 00:46:32,879
Speaker 1: be intelligent or have an opinion or be really really

1008
00:46:32,960 --> 00:46:35,520
Speaker 1: really good at your craft. Like it's very frustrating.

1009
00:46:35,920 --> 00:46:38,479
Speaker 3: Are there some hot girl DJs who can't dj?

1010
00:46:39,239 --> 00:46:42,240
Speaker 1: Sorry was swearing again, Absolutely yes.

1011
00:46:42,440 --> 00:46:45,600
Speaker 2: But they are a really hot them in the bin.

1012
00:46:45,880 --> 00:46:48,399
Speaker 1: There are hot guys and really unattractive guys as well

1013
00:46:48,400 --> 00:46:50,719
Speaker 1: that can't DJ too. It's just I don't know. It's

1014
00:46:50,760 --> 00:46:54,640
Speaker 1: something about the dance music industry and like electronic music,

1015
00:46:54,680 --> 00:46:57,480
Speaker 1: they like love to hate on hot chicks. It's it's I.

1016
00:46:57,480 --> 00:46:58,560
Speaker 3: Don't think that's that industry.

1017
00:46:58,560 --> 00:47:02,160
Speaker 2: I feel like I think that's we are probably life too. Yeah,

1018
00:47:02,440 --> 00:47:05,120
Speaker 2: all right, it has been incredible having a chat with you,

1019
00:47:05,200 --> 00:47:07,160
Speaker 2: and I'm so grateful that you took the time on

1020
00:47:07,239 --> 00:47:10,279
Speaker 2: your eighteen hours in Melbourne to spend arguably two of

1021
00:47:10,280 --> 00:47:13,279
Speaker 2: them with us. So thank you for coming down and

1022
00:47:13,840 --> 00:47:16,120
Speaker 2: sharing your money story and having a chat about money

1023
00:47:16,160 --> 00:47:16,640
Speaker 2: with us.

1024
00:47:16,760 --> 00:47:19,640
Speaker 1: Thank you for having me. Honestly, I love the podcast,

1025
00:47:19,760 --> 00:47:22,440
Speaker 1: I love the Facebook group. It's just so epic. So

1026
00:47:22,480 --> 00:47:24,799
Speaker 1: I'm so stoked to be here. I love talking about

1027
00:47:24,800 --> 00:47:26,600
Speaker 1: money and it's amazing what you're doing. Love you guys

1028
00:47:27,040 --> 00:47:27,760
Speaker 1: as always.

1029
00:47:27,880 --> 00:47:30,880
Speaker 2: That is all we have time for today, but before

1030
00:47:30,920 --> 00:47:33,279
Speaker 2: we go, we'd like to acknowledge and pay respect to

1031
00:47:33,320 --> 00:47:36,440
Speaker 2: Australia's ourboriginal and to Oros Straight Island to People's the

1032
00:47:36,480 --> 00:47:39,840
Speaker 2: traditional custodians of the lands, the waterways and the skies

1033
00:47:39,920 --> 00:47:42,799
Speaker 2: all across Australia. We thank you for sharing and for

1034
00:47:42,880 --> 00:47:45,080
Speaker 2: caring on the land which we are able to learn.

1035
00:47:45,360 --> 00:47:47,480
Speaker 2: We pay our respects to elders past and present, and

1036
00:47:47,480 --> 00:47:50,400
Speaker 2: we share our friendship and our kindness. Now, the advice

1037
00:47:50,400 --> 00:47:52,680
Speaker 2: shared on Cheese on the Money is general in nature

1038
00:47:52,719 --> 00:47:55,759
Speaker 2: and it does not consider your individual circumstances. She's on

1039
00:47:55,800 --> 00:47:58,360
Speaker 2: the Money exists purely for educational purposes and should not

1040
00:47:58,400 --> 00:48:01,000
Speaker 2: be relied upon make an investment or a financial decision.

1041
00:48:01,200 --> 00:48:04,279
Speaker 2: And we promise I am actually an authorized representative of

1042
00:48:04,320 --> 00:48:08,160
Speaker 2: Australia Pacific Funds Management Proprietary Limited ABN three four one

1043
00:48:08,200 --> 00:48:10,799
Speaker 2: three two four six three two five seven ASL three

1044
00:48:10,800 --> 00:48:13,080
Speaker 2: three nine one five one. And thank you to the

1045
00:48:13,160 --> 00:48:15,920
Speaker 2: dream team of audio engineers and producers that hang out

1046
00:48:15,960 --> 00:48:18,000
Speaker 2: in the background and put all this together each week

1047
00:48:18,040 --> 00:48:18,479
Speaker 2: for us.

1048
00:48:18,680 --> 00:48:20,160
Speaker 3: If you like listening to She's on the Money, I

1049
00:48:20,160 --> 00:48:22,560
Speaker 3: feel free to leave us a rating. Is it? Do

1050
00:48:22,560 --> 00:48:23,320
Speaker 3: you call it a rating?

1051
00:48:23,600 --> 00:48:25,080
Speaker 1: I think it's a review. I like a rating.

1052
00:48:25,320 --> 00:48:27,680
Speaker 3: There is a review and I only just learned from

1053
00:48:27,680 --> 00:48:31,560
Speaker 3: our friends at iHeartRadio that they're not just saying subscribe anymore.

1054
00:48:31,600 --> 00:48:34,520
Speaker 3: People like Spotify, you now follow a podcast. You don't

1055
00:48:34,520 --> 00:48:36,120
Speaker 3: subscribe to them, you follow them.

1056
00:48:36,200 --> 00:48:38,319
Speaker 2: Can you guys follow us? I would like to think

1057
00:48:38,360 --> 00:48:41,319
Speaker 2: that all our community follows us and is keeping us

1058
00:48:41,360 --> 00:48:42,120
Speaker 2: afloat yeap.

1059
00:48:42,160 --> 00:48:44,839
Speaker 3: So whatever your app says to do you do that?

1060
00:48:44,920 --> 00:48:46,840
Speaker 2: You do that, my friend, do that? Do what the

1061
00:48:46,880 --> 00:48:47,440
Speaker 2: app says.

1062
00:48:47,760 --> 00:48:51,359
Speaker 3: Also, should people go to DJ Tiger Loui's instagram and go, hey,

1063
00:48:51,400 --> 00:48:52,759
Speaker 3: I heard you and she's on the money one.

1064
00:48:52,719 --> 00:48:55,680
Speaker 2: Hundred percent bombard from her up and be like, I

1065
00:48:55,719 --> 00:48:57,520
Speaker 2: came here because if she's on the money, because we

1066
00:48:57,560 --> 00:48:59,200
Speaker 2: want to look like she was talking about clicks and

1067
00:48:59,239 --> 00:49:00,160
Speaker 2: stuff before.

1068
00:49:00,239 --> 00:49:02,879
Speaker 3: Chicken tracks, then unbelievable. She was great, wasn't.

1069
00:49:03,000 --> 00:49:06,319
Speaker 2: Oh my gosh, I am obsessed. I love her so much.

1070
00:49:06,680 --> 00:49:11,120
Speaker 3: What a legend. Alright, chat to you guys later. H