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

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Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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

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Speaker 2: the podcast that makes personal finance fun, especially on Fridays.

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Speaker 2: It's our favorite day of the week because we get

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Speaker 2: the team together and we get to celebrate you, our

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Speaker 2: incredible She's on the Money community. Miss Jesse Ricci is

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Speaker 2: here as always to share our favorite money wins from

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Speaker 2: the week that was. Beck is here to share her

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Speaker 2: favorite broke tips, and we're going to be helping to

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Speaker 2: answer money dilemma, which this week is all about protecting

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Speaker 2: yourself from scams, which is very timely as I myself

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Speaker 2: almost fell victim to a scam recently and something that

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Speaker 2: you slid into our teams about. We're chatting about navigating

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Speaker 2: an extended unemployment break, which can be really hard and

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Speaker 2: often unforeseen. So I feel like this episode is going

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Speaker 2: to be really fun and very diverse, from like getting

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Speaker 2: scammed to being unemployed, to talking about money wins and

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Speaker 2: confessions I broke tea. I just feel like there's going

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Speaker 2: to be a lot of juicy stuff in this week.

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Speaker 2: But before we get there, my friends, jess Beck, how

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Speaker 2: are your weeks?

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Speaker 3: Go?

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Speaker 2: First? Please? My week's been good. What have I been doing?

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Speaker 3: Not much planning for I'm throwing outdoor movie night at

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Speaker 3: my house.

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Speaker 2: Oh my god, I've seen it on TikTok on my

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Speaker 2: tax treat to myself.

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Speaker 3: I think I told the potty last year was I

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Speaker 3: bought a projector and I was like, oh, the weather

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Speaker 3: is so nice, like it would be really fun. And

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Speaker 3: then I found this like vintage looking popcorn machine on

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Speaker 3: Facebook marketplace for twenty dollars, I bought.

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Speaker 2: A proper like it looks like one of those it's

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Speaker 2: like mini but like one of the ones that the

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Speaker 2: movies had. That's cool.

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Speaker 3: You know how I feel about movie popcorn an investment,

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Speaker 3: but yeah, I want to make it like a whole

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Speaker 3: big thing, like all themed and cut. See I want

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Speaker 3: to throw like a again. I feel like I've told

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Speaker 3: you guys this by last year.

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Speaker 2: One of my goals.

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Speaker 3: You don't even like events or themes at all. I

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Speaker 3: want to throw a themed dinner every month. Last year

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Speaker 3: and I did not throw a single one good shirt.

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Speaker 3: So I carried it over to this year.

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Speaker 2: That's what I thought.

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Speaker 3: So I'm starting with like Dina movie night, but that

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Speaker 3: is so what.

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Speaker 2: Else is on the menu? We have to know? So

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Speaker 2: we've got the popcorn. Well, this is what I'm trying

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Speaker 2: to figure out.

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Speaker 3: So I wanted to do like vintage diners feel, so

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Speaker 3: I went hot dogs fries, but I'm still trying to think.

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Speaker 2: Of what else.

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Speaker 4: This is actually a really weird time, just because literally

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Speaker 4: tomorrow I'm having a movie thing as well, but with

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Speaker 4: pizza buffet ice cream, like you know how they have

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Speaker 4: the jelly, the brownies, the sprinkles.

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Speaker 2: I'm gonna do all that. That's so fun. So maybe

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Speaker 2: could like you need to get chop tops. I imagine, yes,

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Speaker 2: I think a banana split, like you have to have

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Speaker 2: a just feel like yeah, but like Dina vibes, like

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Speaker 2: a banana split like station so you can like decorate

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Speaker 2: your own. Yes, yes, yes, the station would be I

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Speaker 2: don't even think that would be expensive because you'd like

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Speaker 2: to get some bananas, some tuber Neapolitan ice cream, and

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Speaker 2: then like some sprinkles and chips cream or the spray

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Speaker 2: whipped cream. It has to be the spray definitely. Now,

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Speaker 2: I don't know what your budgets looking you like, but

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Speaker 2: you get a big.

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Speaker 3: Red drape outside something to hang it on.

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Speaker 2: Is the annoying thing? Really good idea that's cute? That

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Speaker 2: was very cute. Milkshakes like spiders Friday milkshakes. You could

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Speaker 2: do like, oh my gosh, could you find I'm just

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Speaker 2: going to take this to the next level. Could you

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Speaker 2: find on Amazon, like the old vintage milkshake glasses. I

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Speaker 2: have a few.

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Speaker 3: Stress Yeah, I have red and white striped straws. Yeah,

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Speaker 3: I bought a little you know what what's gonna sayd

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Speaker 3: like that? I promise, I promise you guys. Not the

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Speaker 3: reject shop. You know we always talk about the regis

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Speaker 3: such good stuff they had, Yeah, they had little like

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Speaker 3: you know, the plastic baskets that they put food in

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Speaker 3: a diners and stuff.

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Speaker 2: Like a little red Yes, oh my gosh, yeah, I

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Speaker 2: think you should.

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Speaker 4: When everyone walks in, give people their ticket and then

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Speaker 4: be like okay, can you line back up, and then

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Speaker 4: be like and you look at it, you rip it and.

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Speaker 2: Say number seven down the hall or whatever. I think

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Speaker 2: you should fully be. You need a commit the whole.

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Speaker 4: Day and everyone's like, oh, just like it's funny, but stuff.

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Speaker 4: Now you're like no, You're gonna like yeah with your

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Speaker 4: flashlight and you're gonna be looking at you know, don't

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Speaker 4: be only friind make sure no one brings in their

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Speaker 4: own snacks.

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Speaker 2: You're gonna be very very strict. Maraschino cherries to go

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Speaker 2: on top of the banana. Oh yes I did. And

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Speaker 2: those wafer straws. Yeah, like the wafer I love a Corinthian.

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Speaker 2: They actually only available at Christmas time. I hope you

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Speaker 2: get usually, I think because I have been known to

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Speaker 2: buy and eat a whole tup by myself. Also, you

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Speaker 2: don't have a cost Co membership, but I know that

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Speaker 2: your friend does. And I'm assuming your friend's going to

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Speaker 2: be invited to the party, so you could ask to

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Speaker 2: borrow it. They have many corn dogs at a cost cot,

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Speaker 2: so you could like do the corn dog thing. And

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Speaker 2: I feel like that's got Imagine a little corn dog

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Speaker 2: and a little like tub of sauce in one of

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Speaker 2: your little baskets. You you know what. I had one

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Speaker 2: and it broke. It's very sad. What are you doing

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Speaker 2: with a bay Marie.

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Speaker 3: I led it to a friend that came back and

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Speaker 3: then I put in my cupboard for months and then

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Speaker 3: I it just disused or something and it just doesn't work.

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Speaker 2: I feel like that's it. Also, could you turn it

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Speaker 2: into a sleepover. Oh, that would be quite cute because

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Speaker 2: you could have a sleep and then in the morning

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Speaker 2: you could do like a diner breakfast, pancakes and stuff.

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Speaker 2: Excited really racking up this the course of this, Yeah,

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Speaker 2: one hundred percent. But like when Jess commits to a theme,

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Speaker 2: Es commits to a theme, Yeah, you'd be a made

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Speaker 2: So you can buy a secondhand to hats hats you

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Speaker 2: need the little paper diner house. Oh my god, I'm

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Speaker 2: sure you could like fold them out of some newspaper paper. Yeah,

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Speaker 2: but like anyway, we'll move on. Oh yeah, it turns

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Speaker 2: out just is having better week than everybody. So I'm sorry,

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Speaker 2: what movie you watching that? I haven't picked the movie

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Speaker 2: that Smile too. If you haven't watch Smiled one, then

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Speaker 2: more Smile one.

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Speaker 3: Sorry, continue to know these are but I'll put them consideration.

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Speaker 2: I'm very excited. How's your week being? Has it been

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Speaker 2: as good as Corinthians? I don't like, I don't think

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Speaker 2: there's anything as good ass and I'll bring some in soon.

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Speaker 2: I'm going to find.

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Speaker 4: Them, please, I'm obsessed with Corinthians and there really is

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Speaker 4: like a withdrawal period after Christmas. I'm glad that they

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Speaker 4: to know that they sell them b.

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Speaker 3: W that anyway.

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Speaker 2: I don't know if this really not miss spreading innovation.

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Speaker 2: It's very hard months. That's a podcast.

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Speaker 4: It's been really good oding with a friend, but we

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Speaker 4: both came from sharehouses and so we don't have any

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Speaker 4: furniture literally nothing, Like we're like like buying oven trays and.

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Speaker 2: Cutlery to buy.

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Speaker 4: It. It does add up, but just these things and

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Speaker 4: I'm like, I've never thought to buy so I'm like,

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Speaker 4: where do you even get them from?

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Speaker 2: Like I actually don't know where to buy an oven? Trade?

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Speaker 2: Like not all camar?

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Speaker 4: Do you need them to be like because I'm thinking

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Speaker 4: they need to be pre rusted, but they just pre rusted.

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Speaker 2: Do you know what? You could probably go to an

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Speaker 2: op shop and find a lot of these things. Yeah,

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Speaker 2: that's why I feel like people often donate their surplus,

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Speaker 2: so it's not even like, oh, this one's broken off

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Speaker 2: get rid of, Like I feel like there's lots of

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Speaker 2: kitchen stuff. Yeah, I shop, but then also I found

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Speaker 2: that sometimes op shops are getting a bit expensive, so

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Speaker 2: like they maybe they are. Yeah, like maybe have a

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Speaker 2: look at the prices and stuff that came up before

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Speaker 2: you go in to the op shop, because you might go, oh,

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Speaker 2: four bucks for a like ove and trade, that's a

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Speaker 2: really good deal, Like they must be like fifty or

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Speaker 2: something in your head, like maybe you just don't know

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Speaker 2: how to price it, and then they're actually like three

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Speaker 2: dollars that came out or something. You would be a

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Speaker 2: pretty annoyed human being. Oh my god. Totally. I'm really noticed.

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Speaker 2: Even with Marketplace, I'm noticing that people are like twenty

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Speaker 2: dollars for this side table, and then I like, go

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Speaker 2: on k Marts, is fifty dollars a kmart for the

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Speaker 2: same exact ones, you know? But anyway, so it's been vigilance.

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Speaker 2: You could give it slammed, vigilate, subtle foreshadowing.

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Speaker 3: I think we need to hear a bit more about

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Speaker 3: this scam that you almost fell victim to.

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Speaker 2: I hit the jackpot, I did, so I was telling

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Speaker 2: you off air about how obviously I am a finance

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Speaker 2: crime girlie, Like I love crime. I have, you know,

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Speaker 2: pipe dream one day to have my own like crime podcast.

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Speaker 2: Who knows if that'll ever happen, Like that's just a

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Speaker 2: pipe dream. As I said, I listen to true crime everything,

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Speaker 2: So like you best believe your girl knows a fair

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Speaker 2: bit about like skimming devices and how to scare people,

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Speaker 2: because like I fall onto that side of TikTok, and

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Speaker 2: if I'm not on that side of TikTok, I'm probably

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Speaker 2: watching a documentary on it. Like I don't know what

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Speaker 2: is wrong with me or what type of trauma I

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Speaker 2: went through to make me so obsessed with this type

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Speaker 2: of content. So like in the back of my head

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Speaker 2: every time I go to get cash out, I just

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Speaker 2: like have this dream that maybe one day I'll like

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Speaker 2: spot as skimming device or something I did. I did.

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Speaker 2: I did find a skimming device and I ripped it

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Speaker 2: off the ATM and I got the cops involved. It

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Speaker 2: sounds very dramatic.

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Speaker 3: I know.

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Speaker 2: Okay, so what like? So you went? So we went

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Speaker 2: to the ATM. One of my most asked questions on

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Speaker 2: Instagram when I said I found this was like, v

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Speaker 2: why are you getting cash out? I was gonna say, Also,

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Speaker 2: what do you buy a vape or something? Whose business

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Speaker 2: is that? No? I wasn't buying a vape. Everybody who

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Speaker 2: lives where I live knows that the good Fish and

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Speaker 2: Chip Shop is run by Peter, who doesn't take card.

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Speaker 2: He only does cash. Just kidding. Cash is King and

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Speaker 2: Peter live love laugh. I will pay cash, and I

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Speaker 2: will not question your business ethics because you do provide

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Speaker 2: the good chippies. Like in anyone who gives you a

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Speaker 2: good chippy.

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Speaker 4: Do what ever they say, literally whatever they say exactly

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Speaker 4: like you.

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Speaker 2: Know who we love the most at the pub, the

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Speaker 2: person who buys the chippies for the table. Yes, so true.

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Speaker 2: So anyone with a good chippiees no question, no questions,

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Speaker 2: no questions. That's why I was getting cash out. For

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Speaker 2: those of you who are pervy. But I'm at the ATM,

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Speaker 2: I'm in my bikini, I'm looking at the ATM suspiciously,

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Speaker 2: as they always do, because I kind of want to

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Speaker 2: manifest finding a scamming device because it would be peak

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Speaker 2: life for me. And the plastic around the keypad looks suspicious.

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Speaker 2: It was a little bit raised, and I was like,

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Speaker 2: that doesn't look right, Maybe this is a crap ATM.

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Speaker 2: And then I like look upside down and I'm like, oh,

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Speaker 2: that light looks a little bit like not the plastic

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Speaker 2: around the light didn't look fitted, and I was like,

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Speaker 2: what the hell? And there was enough room in the

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Speaker 2: light well air, you know, the light that shines onto

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Speaker 2: the keypad. Yeah, to stick my finger probably a bad idea,

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Speaker 2: could have been full of spiders. I don't think Jessica

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Speaker 2: would have done it. I think she would have just

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Speaker 2: been like, oh no, absolutely not. But I did. I

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Speaker 2: chucked my finger in there and realized that it was

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Speaker 2: like a little bit loose, like you know when you

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Speaker 2: pull on something and it's like got double sided sticky

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Speaker 2: tape on the other side, so you know it could

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Speaker 2: quote easily come off, but you're not feeling like it's

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00:11:25,240 --> 00:11:28,480
Speaker 2: clipped in or anything. You're like getting that like resistance

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Speaker 2: that's like this would come off with a little bit

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Speaker 2: of force. Yeah, So I'm like, I could go to

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Speaker 2: jail for like vandalizing this ATM, or I could achieve

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Speaker 2: a life goal. Yes, so obviously I pulled it off.

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Speaker 2: And I pulled it off, and the split second after

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Speaker 2: it like actually like ripped off, I was like, oh

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Speaker 2: my god, I've actually broken the ATMIC, like the panic

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Speaker 2: of being like, oh, that actually worked, like I didn't

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Speaker 2: mean that. And then I flipped it around and was like,

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Speaker 2: I was right, it was a skimming device, but it's

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Speaker 2: no attached to the plastic. Well, it just looked suspicious

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Speaker 2: back And the more that I stared at it, the

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Speaker 2: more I realized it was not actually like it was

260
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Speaker 2: sticking a little bit up and like you wouldn't have

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Speaker 2: noticed because it had been custom molded for this ATM machine.

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Speaker 2: But anyway, pull it off and I flip it upside

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Speaker 2: down to look at this piece of giant plastic that

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Speaker 2: I've pulled off. There's Instagram pictures all over my Instagram

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Speaker 2: of this if you want to see. I flip it

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Speaker 2: over and there's two phone batteries hot glued to the

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Speaker 2: back of this plastic piece. There's some wires, an SD card,

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Speaker 2: and some other wires that went to a hidden camera,

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Speaker 2: and I was like, what the heck. I didn't know

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Speaker 2: what to do. Obviously, I ended up working out what

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Speaker 2: to do, pulled it off, took a whole heap of

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Speaker 2: videos of it. At the start, I wasn't even taking

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Speaker 2: videos to post on social media. I was taking videos

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Speaker 2: because I was like, I probably should give this to

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Speaker 2: the police, and I probably should explain how I found

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Speaker 2: it and why I was attempting to vandalize an ATM machine,

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Speaker 2: because what are you going to do walk into the

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Speaker 2: cop shop and be like, hey, policeman, So I actually

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Speaker 2: found something that's helpful for you, but it was because

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Speaker 2: I was vandalizing something I was trying to sell somebody. Yeah, like,

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Speaker 2: but that's not what I was doing anyway. So found

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Speaker 2: that got the police involved. Turns out it is obviously

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Speaker 2: very serious crime. They're very interested in it because these

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Speaker 2: things don't come up as often as I thought they

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Speaker 2: might have. Just you were saying that one was in

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Speaker 2: your area recently, which is literally like.

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Speaker 3: The week before, I got posted in like a local

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Speaker 3: you know, Facebook community group, someone saying they'd found one

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Speaker 3: in like the main strip near me, which I think

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Speaker 3: I think it was from memory, out near a supermarket.

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Speaker 3: Like it wasn't out the front of a bank.

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Speaker 2: It was right, No, so ours was out the front

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Speaker 2: of a supermarket as well. And it was a standalone ATM,

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Speaker 2: not run by one of the banks. Yeah, so like

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Speaker 2: it wasn't bank affiliated. It was like one of those

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Speaker 2: like quick ETM things that charge you exorbitant fees to

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Speaker 2: use it, but it's in a very convenient location. Yeah, yeah,

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Speaker 2: which is so interesting.

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Speaker 3: It's scary because I agree, I feel like you heard

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Speaker 3: a lot about them, but like I've never I've never

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Speaker 3: known anybody or anyone near me or anything to find one,

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Speaker 3: and then all one in me and then you find one,

303
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Speaker 3: and I'm.

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Speaker 2: Like, whoa, this is crazy. Yeah, because I think a

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00:14:04,200 --> 00:14:06,280
Speaker 2: lot of us, like we talk about, you know, how

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Speaker 2: to protect yourself if you're traveling overseas, like we always say,

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Speaker 2: don't use your bank card, like use your travel card

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Speaker 2: and only transfer money to that card because skimming is

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Speaker 2: so popular internationally, you just don't think it would happen

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Speaker 2: on your own doorstep. And like anyway, that was really

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Speaker 2: spicy and good to find. And I mean if you

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Speaker 2: find something on an ATM that looks suspicious. At the

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Speaker 2: end of a day, a ATM has been built to

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Speaker 2: not be broken into. Like it's there, it's full of

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Speaker 2: thousands of dollars. I believe on average an ATM holds

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Speaker 2: about fifteen thousand dollars in rash because obviously every day

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Speaker 2: people come and get fifty dollars out, one hundred dollars out,

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Speaker 2: maybe like five hundred bucks to pay someone. Like, lots

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Speaker 2: of money goes through an ATM on a daily basis,

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Speaker 2: So like, you don't want to make it easy to

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Speaker 2: break into. So if it looks like it could come

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Speaker 2: off an ATM, it's usually a bit of a sign

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Speaker 2: that maybe it shouldn't be there. If the lights look

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Speaker 2: a little bit off, if the keypad looks a little

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Speaker 2: bit off, just be vigilant. There's lots of tiktoks you

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00:15:00,160 --> 00:15:02,600
Speaker 2: can look up, have a look at. But yeah, I

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Speaker 2: would be vigilant. Yeah, this is a silly question.

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Speaker 4: But when you were explaining that, I was like, I wonder,

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Speaker 4: I gather that they have the card details from the

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Speaker 4: skimming and then do they make purchases or do they

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Speaker 4: take money out somehow of that.

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Speaker 2: So just a backtrack, because I just realized I hadn't

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00:15:18,640 --> 00:15:22,600
Speaker 2: explained it properly, so a skimming device could could be

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00:15:22,680 --> 00:15:25,360
Speaker 2: lots of different things. The one I found was a

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00:15:25,400 --> 00:15:28,520
Speaker 2: two part so it was the piece of plastic that

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00:15:28,560 --> 00:15:31,280
Speaker 2: I found that I pulled off the keypad that had

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00:15:31,280 --> 00:15:34,000
Speaker 2: a hidden camera in it that recorded you putting your

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Speaker 2: pin code in to the machine. Okay, the other piece

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00:15:37,640 --> 00:15:40,000
Speaker 2: of plastic I was unable to remove. I could see it.

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Speaker 2: I took videos of it. I showed the cops did

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Speaker 2: all of that, and it has since been removed, So

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00:15:44,360 --> 00:15:47,080
Speaker 2: don't stress. But they would have quote skimmed your credit

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Speaker 2: card details as you went in and went out. They

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00:15:50,120 --> 00:15:53,360
Speaker 2: like capture that magnetic information from the magnetic strip on

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00:15:53,400 --> 00:15:56,720
Speaker 2: the back of your ATM card. They then take blank

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Speaker 2: ATM cards and copy over your ATM card to a

347
00:16:02,080 --> 00:16:05,600
Speaker 2: blank card. They then time match the time that you

348
00:16:05,640 --> 00:16:08,200
Speaker 2: put your pin code in and watch the video and

349
00:16:08,200 --> 00:16:10,800
Speaker 2: go oh Beck's pink codes one, two, three, four. They

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00:16:10,840 --> 00:16:13,160
Speaker 2: take the blank version of your card to an ATM,

351
00:16:13,280 --> 00:16:15,760
Speaker 2: pop it in, put your pin code in, and withdraw

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Speaker 2: all your cash. Oh, which is why.

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Speaker 3: And I didn't even realize I still did this until

354
00:16:20,760 --> 00:16:22,800
Speaker 3: you post about it. But my mum always do and

355
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Speaker 3: just to have it I picked up, but like having

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Speaker 3: your wallet over like or your hand or something when

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00:16:27,560 --> 00:16:30,240
Speaker 3: you type in an ATM. It's literally it's like a

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Speaker 3: reflex for me because it's just something my mum always in.

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00:16:33,120 --> 00:16:34,840
Speaker 3: I'm sure she probably told me to do it, but

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00:16:34,880 --> 00:16:36,400
Speaker 3: I didn't even think about it until I think you

361
00:16:36,440 --> 00:16:37,920
Speaker 3: said on your stories, make sure you cover it with

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Speaker 3: your hand or whatever. So just a reminder, cover your

363
00:16:40,400 --> 00:16:41,440
Speaker 3: hand when you put your pin.

364
00:16:41,480 --> 00:16:44,200
Speaker 2: And I mean it does stop everything. Like that's not

365
00:16:44,240 --> 00:16:46,800
Speaker 2: going to stop you being completely scammed, but if it's

366
00:16:46,840 --> 00:16:49,120
Speaker 2: one of these types of skimmers, they actually need those

367
00:16:49,160 --> 00:16:51,720
Speaker 2: two pieces of information and you're kind of stopping them.

368
00:16:52,000 --> 00:16:55,920
Speaker 2: And I think because I found one, you guys might go, oh,

369
00:16:55,960 --> 00:16:59,040
Speaker 2: you just have to look like they are purpose built

370
00:16:59,080 --> 00:17:02,480
Speaker 2: for the machines, purpose built to look like a piece

371
00:17:02,520 --> 00:17:05,120
Speaker 2: of the machine that you wouldn't question. I think mine

372
00:17:05,240 --> 00:17:07,200
Speaker 2: was lifted. I don't know if I would have seen

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00:17:07,240 --> 00:17:11,399
Speaker 2: it if it was perfectly installed, So you're not necessarily

374
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Speaker 2: going to be able to see it. But yeah, there's

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00:17:13,000 --> 00:17:15,040
Speaker 2: a lot of things you could do, so covering your

376
00:17:15,080 --> 00:17:17,440
Speaker 2: hand with your pin, making sure that you know someone

377
00:17:17,480 --> 00:17:20,200
Speaker 2: can't see you put that number in, making sure you're

378
00:17:20,240 --> 00:17:22,520
Speaker 2: not using a dodgy ATM. If there is the option

379
00:17:22,640 --> 00:17:25,520
Speaker 2: to get cash out at the supermarket or at the bunnings, like,

380
00:17:25,600 --> 00:17:28,560
Speaker 2: do that instead of getting it out at the ATM,

381
00:17:28,680 --> 00:17:31,720
Speaker 2: using ATMs that are bank affiliated. So if it's like

382
00:17:31,760 --> 00:17:35,080
Speaker 2: on the front of the bank, I can almost guarantee

383
00:17:35,320 --> 00:17:37,840
Speaker 2: that that ATM is checked on a daily basis by

384
00:17:37,880 --> 00:17:41,439
Speaker 2: the tellers at that bank for skimming devices. But the

385
00:17:41,600 --> 00:17:44,720
Speaker 2: standalone ATM down at the local shops where you and

386
00:17:44,760 --> 00:17:47,680
Speaker 2: I often frequent beck, no one's there to check it.

387
00:17:47,680 --> 00:17:50,520
Speaker 2: It's all on its own. That's why it's usually a

388
00:17:50,600 --> 00:17:56,080
Speaker 2: bigger target than the bank one which the bank staff

389
00:17:56,080 --> 00:17:59,359
Speaker 2: are checking consistently. Yeah, so I think staying vigilant also

390
00:17:59,440 --> 00:18:02,119
Speaker 2: never putting into your ATM the card that has your

391
00:18:02,119 --> 00:18:05,600
Speaker 2: life savings on it, like having a separate bank card

392
00:18:05,640 --> 00:18:08,000
Speaker 2: that you know, you keep maybe a couple of dollars

393
00:18:08,000 --> 00:18:09,680
Speaker 2: on so that when you need to get cash out

394
00:18:09,680 --> 00:18:14,160
Speaker 2: you just transfer it over, is gonna essentially safeguard your

395
00:18:14,240 --> 00:18:17,919
Speaker 2: life savings. And it doesn't mean that you absolutely have

396
00:18:18,000 --> 00:18:20,240
Speaker 2: to do these things and you know, be worried about

397
00:18:20,280 --> 00:18:23,040
Speaker 2: absolutely everything, but at the end of the day, could

398
00:18:23,080 --> 00:18:26,040
Speaker 2: have protected a lot of people that had their financial

399
00:18:26,080 --> 00:18:29,280
Speaker 2: information skimmed the day that I found that device, and

400
00:18:29,560 --> 00:18:32,320
Speaker 2: from what the cops said, they've obviously reviewed all of that,

401
00:18:32,560 --> 00:18:34,600
Speaker 2: and I was like, I've been a little bit pervy,

402
00:18:34,600 --> 00:18:37,159
Speaker 2: and thankfully they've been forgiving and like kept me in

403
00:18:37,160 --> 00:18:40,600
Speaker 2: the loop. About two hundred people went to that ATM

404
00:18:40,800 --> 00:18:43,200
Speaker 2: on the day that I found it. That's crazy, isn't

405
00:18:43,200 --> 00:18:46,040
Speaker 2: that insane? Yeah? And like right as I had to

406
00:18:46,080 --> 00:18:48,280
Speaker 2: like queue up to use the ATM, there was like

407
00:18:48,320 --> 00:18:50,880
Speaker 2: an older guy who got his cash out and went inside.

408
00:18:51,280 --> 00:18:54,240
Speaker 2: Not the wiser, stop my heart, But he didn't get scammed.

409
00:18:54,280 --> 00:18:56,880
Speaker 2: He's all good. But like he like got his cash

410
00:18:56,880 --> 00:18:59,679
Speaker 2: out and went inside, he did not have any clue

411
00:19:00,119 --> 00:19:03,119
Speaker 2: that someone had literally just stolen his bank information. Did

412
00:19:03,160 --> 00:19:05,160
Speaker 2: you find him? No, not the do. I didn't need

413
00:19:05,200 --> 00:19:07,320
Speaker 2: to find him because I pulled out the skimmer and

414
00:19:07,480 --> 00:19:09,919
Speaker 2: it had the SD card and all the information, and

415
00:19:09,920 --> 00:19:12,080
Speaker 2: I gave it to the cops. So now there's crims.

416
00:19:12,160 --> 00:19:14,679
Speaker 2: Like the criminals aren't going to get that old man's details,

417
00:19:14,920 --> 00:19:16,320
Speaker 2: and like they're not going to be able to take

418
00:19:16,359 --> 00:19:18,679
Speaker 2: his money out. But like had I not found that,

419
00:19:18,760 --> 00:19:21,360
Speaker 2: And later that evening they had returned to the ATM

420
00:19:21,680 --> 00:19:24,760
Speaker 2: taking their skimmer device, taken it home. They absolutely would

421
00:19:24,800 --> 00:19:27,240
Speaker 2: have taken his cash. Y. Isn't that insane?

422
00:19:27,359 --> 00:19:27,600
Speaker 1: I know?

423
00:19:28,200 --> 00:19:30,159
Speaker 2: It actually makes me so and that's I guess why

424
00:19:30,160 --> 00:19:32,960
Speaker 2: I've been posting about it. It makes me so angry. How

425
00:19:33,000 --> 00:19:35,040
Speaker 2: does anyone do that makes me feel like sickly to

426
00:19:35,080 --> 00:19:37,119
Speaker 2: be in the middle of a class of living crisis,

427
00:19:37,200 --> 00:19:39,000
Speaker 2: And like, you know, I dodn't want to get too

428
00:19:39,080 --> 00:19:41,119
Speaker 2: deep into it, but I have not been sleeping over this,

429
00:19:41,600 --> 00:19:44,359
Speaker 2: not because I'm stressed about I just can't stop thinking

430
00:19:44,359 --> 00:19:47,760
Speaker 2: about it. Even the location that it was in, like,

431
00:19:48,160 --> 00:19:51,240
Speaker 2: wasn't in a high net wealth suburb, Like lots of

432
00:19:51,280 --> 00:19:53,880
Speaker 2: people that go to the ATM where we were are

433
00:19:53,960 --> 00:19:56,719
Speaker 2: just average mums and dads. There's a lot of people

434
00:19:56,720 --> 00:19:58,879
Speaker 2: in that area who are on Centerlink. There are a

435
00:19:58,880 --> 00:20:01,920
Speaker 2: lot of people in that area who would be living

436
00:20:02,000 --> 00:20:05,159
Speaker 2: paycheck to paycheck, and I'm just like they would have

437
00:20:05,200 --> 00:20:10,879
Speaker 2: been absolutely dreamed. Like it makes me so angry, Like

438
00:20:10,920 --> 00:20:12,640
Speaker 2: and I was lucky. I was just getting some fish

439
00:20:12,640 --> 00:20:13,480
Speaker 2: and chips cash out.

440
00:20:13,720 --> 00:20:19,400
Speaker 3: But the idea be vigilant everybody, Yes, as aware as

441
00:20:19,400 --> 00:20:21,560
Speaker 3: you can. It's not to put it on people, but

442
00:20:22,160 --> 00:20:24,080
Speaker 3: when there's horrible people out there, Like, we've got to

443
00:20:24,080 --> 00:20:25,240
Speaker 3: do the best we can, right.

444
00:20:25,960 --> 00:20:28,840
Speaker 2: And if you're suspicious on it, there's often numbers on

445
00:20:28,880 --> 00:20:30,800
Speaker 2: the ATM that you can call, so you could call

446
00:20:30,840 --> 00:20:34,960
Speaker 2: the company and like, see something, say something. Yeah, Like

447
00:20:35,040 --> 00:20:37,520
Speaker 2: I'd prefer you to have called someone and wasted their

448
00:20:37,560 --> 00:20:41,160
Speaker 2: time then finding out a Facebook group like jes did.

449
00:20:41,240 --> 00:20:44,760
Speaker 2: Oh there was a skimmer on this ATM. Like if

450
00:20:44,800 --> 00:20:47,520
Speaker 2: you see something, say something, even if you're just suspicious

451
00:20:47,520 --> 00:20:48,840
Speaker 2: and you call the company and go, I don't know,

452
00:20:48,920 --> 00:20:51,159
Speaker 2: but there's something real suss about your ATM machine at

453
00:20:51,200 --> 00:20:54,719
Speaker 2: the moment. Not a professional, I'm a nurse, but if

454
00:20:54,760 --> 00:20:56,560
Speaker 2: you could just check, that would be great. They're probably

455
00:20:56,600 --> 00:21:00,520
Speaker 2: going to thank you because ultimately that's their responsibility and

456
00:21:00,560 --> 00:21:02,520
Speaker 2: a lot of the time, if you have been scammed,

457
00:21:02,680 --> 00:21:06,520
Speaker 2: the ATM company might have to pay you back. Yes, true, true. Anyway,

458
00:21:06,560 --> 00:21:08,919
Speaker 2: let's move on because I can talk about scams literally,

459
00:21:08,960 --> 00:21:10,440
Speaker 2: and I'm going to do a whole episode on it soon.

460
00:21:10,480 --> 00:21:12,960
Speaker 2: I think it so excited. Beck is coming is coming.

461
00:21:13,119 --> 00:21:15,560
Speaker 2: But before we get there, and we also dive into

462
00:21:15,680 --> 00:21:18,439
Speaker 2: our money wins. Do you want a five star review

463
00:21:18,520 --> 00:21:23,280
Speaker 2: from the community please? Okay, this one is from Alexis.

464
00:21:23,640 --> 00:21:28,960
Speaker 2: Alexis says five star review, Thank you. Alexis Becksayed is

465
00:21:29,000 --> 00:21:38,119
Speaker 2: the unsung hero of this podcast purely for human reasons.

466
00:21:39,280 --> 00:21:42,600
Speaker 2: I literally just enjoyed listening to her sprinkling of personal

467
00:21:42,640 --> 00:21:47,280
Speaker 2: experiences and stories, where the undertone is always valuing relationships, connection,

468
00:21:47,560 --> 00:21:50,760
Speaker 2: enjoying life, bringing light to other people's lives, and resilience.

469
00:21:51,359 --> 00:21:53,760
Speaker 2: She makes all of the other finance and money stuff

470
00:21:53,840 --> 00:21:56,800
Speaker 2: softer and grounds it in a perspective that feels warm.

471
00:21:57,160 --> 00:22:00,879
Speaker 2: I love you all, of course, though that I remember

472
00:22:00,920 --> 00:22:02,600
Speaker 2: the day it was not it was only a few

473
00:22:02,680 --> 00:22:04,600
Speaker 2: days ago. Just just sent me this.

474
00:22:05,280 --> 00:22:07,639
Speaker 4: Because it was just like such a beautiful and I

475
00:22:07,800 --> 00:22:09,439
Speaker 4: sent it to every single person I know, and I

476
00:22:09,480 --> 00:22:10,720
Speaker 4: was like, I need to find Alexis.

477
00:22:10,760 --> 00:22:12,360
Speaker 2: I want I want Alexis to be in my life.

478
00:22:12,520 --> 00:22:16,119
Speaker 2: This like completely rolled me in the best way, Like

479
00:22:16,160 --> 00:22:18,479
Speaker 2: it isn't it the best, the best thing I've but

480
00:22:18,600 --> 00:22:20,600
Speaker 2: like anyone's ever said to me, And do you know

481
00:22:20,680 --> 00:22:24,159
Speaker 2: what about me? Somebody has managed to put into words

482
00:22:24,200 --> 00:22:26,840
Speaker 2: exactly how I feel about it totally. It's also true,

483
00:22:28,000 --> 00:22:32,360
Speaker 2: so true. Oh my gosh, this is actually exactly what

484
00:22:32,400 --> 00:22:32,760
Speaker 2: you do.

485
00:22:33,119 --> 00:22:37,119
Speaker 4: Oh my god, that is so mind blowingly nice, Like

486
00:22:37,200 --> 00:22:39,560
Speaker 4: I feel so so warm right now.

487
00:22:39,720 --> 00:22:43,160
Speaker 2: I think the five star reviews just like the beck

488
00:22:43,240 --> 00:22:45,399
Speaker 2: fan clubs. So just like, if you haven't left us

489
00:22:45,440 --> 00:22:47,919
Speaker 2: a five star review, or you haven't left us, like,

490
00:22:48,160 --> 00:22:50,800
Speaker 2: go on to Apple and you can leave a message

491
00:22:51,200 --> 00:22:53,520
Speaker 2: for the Bech fan club. I'll get us. I'll make

492
00:22:53,560 --> 00:22:55,560
Speaker 2: us a T shirt, a.

493
00:22:55,880 --> 00:22:58,200
Speaker 4: T shirt, just even if it's just a Lexus And

494
00:22:58,200 --> 00:23:00,800
Speaker 4: and honestly, and this is what I said to friends

495
00:23:00,920 --> 00:23:02,600
Speaker 4: when I sent it to them. I was like, if

496
00:23:02,600 --> 00:23:05,720
Speaker 4: these are the last words I ever read, that would

497
00:23:05,760 --> 00:23:08,280
Speaker 4: be fine, that would be more than enough.

498
00:23:08,520 --> 00:23:09,360
Speaker 2: Oh my gosh.

499
00:23:10,359 --> 00:23:12,280
Speaker 4: If I were to perish, or if I were to

500
00:23:12,320 --> 00:23:13,800
Speaker 4: like just be lost in the bush for the rest

501
00:23:13,800 --> 00:23:15,320
Speaker 4: of my life, and those are my last.

502
00:23:15,280 --> 00:23:19,639
Speaker 2: Yeah, perfect, We're calling Alexis phone. It's about to run

503
00:23:19,720 --> 00:23:22,000
Speaker 2: out of boundery. Beck Is calling Alexis.

504
00:23:23,680 --> 00:23:27,320
Speaker 4: Alexis is the last ones I'm calling.

505
00:23:26,240 --> 00:23:31,440
Speaker 2: I thank you, Alexis. Yes, let's move into the rest

506
00:23:31,480 --> 00:23:34,240
Speaker 2: of the community, your money, wins and confessions. If they

507
00:23:34,280 --> 00:23:35,680
Speaker 2: got to share this week, all right.

508
00:23:35,680 --> 00:23:37,880
Speaker 3: I sure? But sweet one firstly from Jordan, who said

509
00:23:37,920 --> 00:23:40,919
Speaker 3: I paid off my Carlogne nine months early. Oh my god,

510
00:23:41,240 --> 00:23:45,320
Speaker 3: well done, Jordan, it's actually incredible. Next, I've got money

511
00:23:45,320 --> 00:23:47,040
Speaker 3: in from April, who sins you're on the same kind

512
00:23:47,040 --> 00:23:48,840
Speaker 3: of vibe as asked with the op shopping, she said,

513
00:23:48,880 --> 00:23:52,040
Speaker 3: money and environmental win. I've decided that I'm in at

514
00:23:52,040 --> 00:23:55,520
Speaker 3: my gift basket making erar. I'm using fines from Facebook,

515
00:23:55,560 --> 00:23:58,240
Speaker 3: Marketplace and the op Shop. There's heaps of unwanted Christmas

516
00:23:58,240 --> 00:24:01,160
Speaker 3: presents there at the moment, that's true, and she's collecting

517
00:24:01,200 --> 00:24:03,359
Speaker 3: them up and putting them aside and using these gifts.

518
00:24:03,400 --> 00:24:06,040
Speaker 3: She put a really cute little photo of anyone's thread.

519
00:24:06,400 --> 00:24:09,800
Speaker 3: But she's got baskets that I'm thinking maybe she's also thrusted.

520
00:24:10,000 --> 00:24:11,720
Speaker 2: Those are so cute.

521
00:24:11,400 --> 00:24:14,040
Speaker 3: Super cuteness, Like there's one there that's obviously for a kid,

522
00:24:14,040 --> 00:24:16,640
Speaker 3: because there's book and some toys and things. There's one

523
00:24:16,680 --> 00:24:19,399
Speaker 3: with maybe housewarming stuff. I just think it's such a

524
00:24:19,400 --> 00:24:22,800
Speaker 3: good idea, give things a second line door. Next, I've

525
00:24:22,840 --> 00:24:25,480
Speaker 3: got a money win from Alicia, who said it was

526
00:24:25,520 --> 00:24:28,120
Speaker 3: her son's third birthday on the weekend and they decided

527
00:24:28,160 --> 00:24:31,680
Speaker 3: to get an ice cream cake. Love Wendyes do ice

528
00:24:31,680 --> 00:24:35,240
Speaker 3: cream cakes that start at eighty dollars Peter's original the

529
00:24:35,320 --> 00:24:37,800
Speaker 3: classic from Woolies eighty dollars, yeah.

530
00:24:37,640 --> 00:24:42,159
Speaker 2: Crazy and ice cream Like, I'm not undervaluing the energy

531
00:24:42,160 --> 00:24:45,640
Speaker 2: and effort and stuff. I'm shocked for a lot of money, definitely.

532
00:24:45,720 --> 00:24:48,840
Speaker 3: Well, instead, they opted for a Peter's original from Wooli's

533
00:24:48,920 --> 00:24:51,639
Speaker 3: fourteen dollars gorgeous. They had to get too because the

534
00:24:51,640 --> 00:24:53,680
Speaker 3: grown ups also want an ice cream cake. She said,

535
00:24:53,720 --> 00:24:55,600
Speaker 3: it's not really instagram worthy, but it is a money

536
00:24:55,600 --> 00:24:59,120
Speaker 3: win that Peter's ice cream cake is my baby type

537
00:24:59,160 --> 00:25:01,199
Speaker 3: of cake. It's so I know there's a lot of

538
00:25:01,240 --> 00:25:04,199
Speaker 3: debate Fredo or Peter's.

539
00:25:02,600 --> 00:25:07,040
Speaker 2: I don't hate the Freddo's, but you got to go.

540
00:25:07,080 --> 00:25:08,720
Speaker 2: I like Peter's a little bit more. You got to gog.

541
00:25:08,960 --> 00:25:10,320
Speaker 3: I hope your son had a good birthday. I think

542
00:25:10,320 --> 00:25:13,119
Speaker 3: that's such a good gift. Next, I've got a money

543
00:25:13,160 --> 00:25:15,960
Speaker 3: win from Chelsea who said I wanted to buy a

544
00:25:16,000 --> 00:25:19,359
Speaker 3: desk calendar to put in my bills and expenses to

545
00:25:19,400 --> 00:25:21,880
Speaker 3: keep track of it over the year, but she ended

546
00:25:21,920 --> 00:25:25,360
Speaker 3: up making one during work time on Canva using work supplies.

547
00:25:25,760 --> 00:25:31,400
Speaker 2: Great, just starting not your business. Triple money win.

548
00:25:31,520 --> 00:25:34,439
Speaker 3: Well done, Chelsea. And then lastly this week I have

549
00:25:34,520 --> 00:25:37,119
Speaker 3: one from Sky who said money win our family of

550
00:25:37,240 --> 00:25:42,200
Speaker 3: four spent three weeks in a beautiful home in another state, completely.

551
00:25:41,640 --> 00:25:42,600
Speaker 2: Free of charge.

552
00:25:42,960 --> 00:25:46,439
Speaker 3: Great We looked after altpackers, chickens, a dog, and a

553
00:25:46,480 --> 00:25:49,240
Speaker 3: cat during our stay. Housitting is such a great way

554
00:25:49,280 --> 00:25:52,600
Speaker 3: to explore new places without the cost of accommodation. The

555
00:25:52,720 --> 00:25:55,200
Speaker 3: kids loved it, and the experience was far more engaging

556
00:25:55,240 --> 00:25:58,439
Speaker 3: and fun when compared staying in an expensive hotel. And

557
00:25:58,480 --> 00:26:01,439
Speaker 3: she put a really cute photo of her I'm assuming

558
00:26:01,480 --> 00:26:03,399
Speaker 3: her daughter feeding an out packer.

559
00:26:03,600 --> 00:26:06,639
Speaker 2: I'm sorry, that's so cute. It looks like a tiny

560
00:26:06,680 --> 00:26:09,399
Speaker 2: baby out package. It looks like a little farm. It

561
00:26:09,400 --> 00:26:12,240
Speaker 2: looks like a dream. Sorgeous. Good a little tip for everybody.

562
00:26:12,320 --> 00:26:14,800
Speaker 2: I love that so much. That was a good little

563
00:26:14,840 --> 00:26:18,480
Speaker 2: wrap up, jess Beck. Yes, it is your turn. What

564
00:26:18,560 --> 00:26:21,720
Speaker 2: broke tips you're bring into the table this week? Okay, So,

565
00:26:22,400 --> 00:26:24,800
Speaker 2: because I've moved, I'm probably gonna have like a lot.

566
00:26:24,800 --> 00:26:26,520
Speaker 2: I'm won't use them all today, but I'm gonna have

567
00:26:26,520 --> 00:26:30,160
Speaker 2: a lot of broke tips coming in out of the now.

568
00:26:30,280 --> 00:26:33,960
Speaker 4: This one comes from Maddie who says, and this is

569
00:26:34,040 --> 00:26:36,359
Speaker 4: very interesting one and one I will be using this year.

570
00:26:36,760 --> 00:26:40,040
Speaker 4: So energy companies will often offer sign up credits to

571
00:26:40,119 --> 00:26:43,399
Speaker 4: new and moving customers. Every couple of months. Maddie moves

572
00:26:43,440 --> 00:26:45,800
Speaker 4: companies based on whoever has the best offer at the time,

573
00:26:46,280 --> 00:26:46,880
Speaker 4: and that's like.

574
00:26:47,400 --> 00:26:49,280
Speaker 2: You don't have to move. You don't have to actually move.

575
00:26:49,119 --> 00:26:51,320
Speaker 4: You just like just do a little shop around and

576
00:26:51,320 --> 00:26:54,520
Speaker 4: see if you know, new customers get one thousand dollars

577
00:26:54,560 --> 00:26:56,400
Speaker 4: off or something. I'm sure that does not exist, but.

578
00:26:56,640 --> 00:26:59,400
Speaker 3: Sometimes they do, Like you get free like I saw one,

579
00:26:59,440 --> 00:27:01,320
Speaker 3: so I was like, you get six months free binge

580
00:27:01,400 --> 00:27:03,760
Speaker 3: access or something, which is cool if you actually do,

581
00:27:04,280 --> 00:27:06,280
Speaker 3: then you don't have to pay for streaming services or

582
00:27:06,280 --> 00:27:06,840
Speaker 3: something like that.

583
00:27:07,000 --> 00:27:11,800
Speaker 2: Excittly only valuable if you actually needed that item, Yes, exactly,

584
00:27:11,880 --> 00:27:13,640
Speaker 2: Like if you're like, oh, sign up because I would

585
00:27:13,680 --> 00:27:15,719
Speaker 2: love six months of free binge access, but I've never

586
00:27:15,760 --> 00:27:18,200
Speaker 2: actually used binge all night. I don't even want teaving

587
00:27:18,280 --> 00:27:20,000
Speaker 2: on there. That is not a good deal.

588
00:27:20,080 --> 00:27:20,280
Speaker 3: Yeah.

589
00:27:20,280 --> 00:27:20,960
Speaker 2: Absolutely.

590
00:27:21,320 --> 00:27:24,720
Speaker 4: This section comes from Emma, who says I've been using

591
00:27:24,760 --> 00:27:26,639
Speaker 4: the Pass app to pay for things at my local

592
00:27:26,680 --> 00:27:28,800
Speaker 4: pub that I go to for dinner. You get points

593
00:27:28,800 --> 00:27:30,840
Speaker 4: every time you buy something, which ends up being around

594
00:27:30,920 --> 00:27:33,000
Speaker 4: ten percent back in credit to use at any of

595
00:27:33,040 --> 00:27:35,359
Speaker 4: the venues in the app. We've been saving them up

596
00:27:35,359 --> 00:27:37,320
Speaker 4: and now we have enough for free dinner and drinks

597
00:27:37,320 --> 00:27:39,880
Speaker 4: for our family of four. They also, I know, how

598
00:27:39,880 --> 00:27:42,480
Speaker 4: good is that they also give away bonus credit sometimes

599
00:27:42,480 --> 00:27:44,720
Speaker 4: and they have drink specials each month. This month the

600
00:27:44,760 --> 00:27:47,080
Speaker 4: beer we drink is discounted through the app, so we're

601
00:27:47,080 --> 00:27:50,159
Speaker 4: saving eight dollars on each round for me and my houseband.

602
00:27:50,640 --> 00:27:54,240
Speaker 2: That's such a good deal. I've never even money. And

603
00:27:54,280 --> 00:27:57,760
Speaker 2: there's over two hundred venues on there around Australia. Apparently incredible,

604
00:27:57,840 --> 00:28:01,560
Speaker 2: ka very nice. So that's the wrap from the community.

605
00:28:01,640 --> 00:28:03,840
Speaker 2: It's wrap from the community that past that I've never

606
00:28:03,840 --> 00:28:05,840
Speaker 2: heard of that I'm going to look it up now

607
00:28:06,440 --> 00:28:07,240
Speaker 2: and I brake tip.

608
00:28:08,160 --> 00:28:09,480
Speaker 4: I feel like it might always a little bit of

609
00:28:09,480 --> 00:28:12,000
Speaker 4: common knowledge. But anyway, so you know, knowledge is not

610
00:28:12,040 --> 00:28:12,920
Speaker 4: that common back.

611
00:28:12,800 --> 00:28:15,560
Speaker 2: Well, no, that's very true. Like sharing is important. That's

612
00:28:15,560 --> 00:28:16,080
Speaker 2: so true.

613
00:28:16,400 --> 00:28:19,359
Speaker 4: So recently I've been like on a real video, I

614
00:28:19,359 --> 00:28:20,879
Speaker 4: think we're kind of similar, Like you know, when you're like,

615
00:28:21,160 --> 00:28:22,560
Speaker 4: as you're saying with the scam thing, like it's all

616
00:28:22,560 --> 00:28:25,000
Speaker 4: you're thinking about, Like right now when I'm focused on

617
00:28:25,040 --> 00:28:26,919
Speaker 4: something like that is consuming my world right now.

618
00:28:26,920 --> 00:28:33,720
Speaker 2: It's because adhd thing diagnosing her she has an official youth.

619
00:28:35,680 --> 00:28:38,320
Speaker 2: We're not just making it up. That is so interesting.

620
00:28:38,600 --> 00:28:40,560
Speaker 4: I never, I never like put the two together until

621
00:28:40,560 --> 00:28:42,280
Speaker 4: it like you know, well, you just you just.

622
00:28:42,240 --> 00:28:44,240
Speaker 2: Tell me enough to remind you that most of the

623
00:28:44,280 --> 00:28:46,160
Speaker 2: things that you think are part of your personality are

624
00:28:46,200 --> 00:28:50,720
Speaker 2: actually ADHD and it becomes quite depressing. It's called hyperfixation. Iye,

625
00:28:50,720 --> 00:28:53,960
Speaker 2: a fixation like the current what is it? Tell me

626
00:28:54,080 --> 00:28:56,520
Speaker 2: share currently? It's lamps and in particular.

627
00:28:57,240 --> 00:29:00,240
Speaker 4: Yeah, I really like I'm looking for a particular a

628
00:29:00,320 --> 00:29:03,600
Speaker 4: vibe and style, So lighting wise, I would I really

629
00:29:03,640 --> 00:29:06,560
Speaker 4: want like a dark red or orange room. I know

630
00:29:06,680 --> 00:29:08,640
Speaker 4: if you've been a pitt of pippot in Fitzroid's I

631
00:29:08,760 --> 00:29:11,600
Speaker 4: had and night time, I see the moment.

632
00:29:11,680 --> 00:29:14,000
Speaker 2: I yes, yeah, you can do that with like just

633
00:29:14,040 --> 00:29:15,040
Speaker 2: a light globe. Yes.

634
00:29:15,160 --> 00:29:16,880
Speaker 4: Well, but this is the thing is that I already

635
00:29:16,920 --> 00:29:19,200
Speaker 4: had the light globes and I literally just painted them orange.

636
00:29:19,200 --> 00:29:20,680
Speaker 2: And I think you have to be careful to make

637
00:29:20,680 --> 00:29:24,280
Speaker 2: sure they eat resistant. Oh yeah, do you know what?

638
00:29:24,360 --> 00:29:26,680
Speaker 2: I actually follow it back on Instagram. It is a

639
00:29:26,760 --> 00:29:30,240
Speaker 2: very weird concept, but Beck does share everything she gets up.

640
00:29:30,160 --> 00:29:32,760
Speaker 4: To a story to me and thank you for remembering.

641
00:29:33,120 --> 00:29:35,520
Speaker 4: So that's one way to save money. But no, the

642
00:29:35,560 --> 00:29:37,320
Speaker 4: main thing was that I have you guys sort of dentist,

643
00:29:37,320 --> 00:29:39,840
Speaker 4: did it? They have those beautiful orange mushroom lamps, and

644
00:29:39,880 --> 00:29:42,120
Speaker 4: they also have all these gorgeous lamps that I've always

645
00:29:42,120 --> 00:29:44,600
Speaker 4: been like, oh, one day, one day, one day when

646
00:29:44,600 --> 00:29:46,600
Speaker 4: I'm rich enough. I'm never rich enough, and so this

647
00:29:46,720 --> 00:29:48,360
Speaker 4: time I was like, I've got a new house me

648
00:29:48,520 --> 00:29:51,120
Speaker 4: or buy myself something nice beautiful. Denis did a lamp

649
00:29:51,160 --> 00:29:53,840
Speaker 4: that looked exactly like what I wanted, but I didn't

650
00:29:53,840 --> 00:29:55,760
Speaker 4: have one hundred fet dollars to spend what that is

651
00:29:55,880 --> 00:29:58,160
Speaker 4: expensive for a lamp exactly, So I went to kmart

652
00:29:58,160 --> 00:30:01,480
Speaker 4: and got like a very similar look base yeah, and

653
00:30:01,680 --> 00:30:04,440
Speaker 4: just painted at orange with a three dollars acrylic paint,

654
00:30:04,520 --> 00:30:06,400
Speaker 4: so it was thirteen dollars instead of hundred fifty dollars.

655
00:30:06,400 --> 00:30:08,560
Speaker 4: You weren't painting the globe, you We're just painting the lamp,

656
00:30:09,000 --> 00:30:11,160
Speaker 4: checking the globe. Yeah, but like we don't endorse that.

657
00:30:11,240 --> 00:30:13,360
Speaker 4: But we don't endorse that because you must make sure

658
00:30:13,360 --> 00:30:16,960
Speaker 4: it's heat resistant paint and something else. Just google it first,

659
00:30:16,960 --> 00:30:17,440
Speaker 4: I would say.

660
00:30:17,440 --> 00:30:21,080
Speaker 2: But like you did a diy to achieve the same outcome. Yes,

661
00:30:21,120 --> 00:30:23,880
Speaker 2: exactly proud of you. Thank you so much. That's so exciting.

662
00:30:23,920 --> 00:30:24,200
Speaker 2: Thank you.

663
00:30:24,200 --> 00:30:28,960
Speaker 4: So I would recommend googling identical or like similarish kind

664
00:30:28,960 --> 00:30:32,000
Speaker 4: of things if you if you know something, google reverse

665
00:30:32,040 --> 00:30:32,680
Speaker 4: image search.

666
00:30:33,000 --> 00:30:35,720
Speaker 2: Yes, if you take a screenshot of something and you've

667
00:30:35,720 --> 00:30:37,720
Speaker 2: got the Google app on your phone, not just going

668
00:30:37,720 --> 00:30:39,920
Speaker 2: to Google. I find they don't have that. But like

669
00:30:39,960 --> 00:30:42,400
Speaker 2: the Google app, you can literally search by image and

670
00:30:42,440 --> 00:30:45,680
Speaker 2: it will often come up with similar looking things that

671
00:30:45,760 --> 00:30:48,560
Speaker 2: might be much chickier exactly exact.

672
00:30:48,600 --> 00:30:48,960
Speaker 1: Love that.

673
00:30:49,240 --> 00:30:51,840
Speaker 2: Yes, what a good tip. But I feel like you've

674
00:30:52,200 --> 00:30:54,320
Speaker 2: you've got a really good round up this week back,

675
00:30:54,360 --> 00:30:57,320
Speaker 2: Thank you, thank you much. An Alexis stroke. Your ego

676
00:30:58,760 --> 00:31:00,920
Speaker 2: actually still high, like and like my legs are taking

677
00:31:01,200 --> 00:31:03,080
Speaker 2: next week. I love this for us. Let's go to

678
00:31:03,080 --> 00:31:05,480
Speaker 2: a really quick break on the flip side. I cannot

679
00:31:05,480 --> 00:31:09,280
Speaker 2: wait to dive into protecting yourself from scams and also

680
00:31:09,360 --> 00:31:11,760
Speaker 2: something you've slid into our DMS about. We're chatting about

681
00:31:11,840 --> 00:31:16,160
Speaker 2: navigating an extended unemployment break, so guys don't go anywhere.

682
00:31:20,120 --> 00:31:22,560
Speaker 3: Welcome back, everybody. Let's take a listen to this week's

683
00:31:22,560 --> 00:31:25,120
Speaker 3: money dilemma.

684
00:31:25,520 --> 00:31:27,880
Speaker 2: Hi, there, have you got a money dilemma? You just

685
00:31:27,920 --> 00:31:30,440
Speaker 2: can't solve the Sheese on the Money team is here

686
00:31:30,480 --> 00:31:33,720
Speaker 2: to help. Every week, we tackle your dilemmas, both big

687
00:31:33,760 --> 00:31:36,480
Speaker 2: and small, to answer your most burning money, career and

688
00:31:36,520 --> 00:31:39,720
Speaker 2: life questions. To get involved, simply head to our website

689
00:31:39,760 --> 00:31:41,880
Speaker 2: and leave us a short voice recording and you might

690
00:31:41,920 --> 00:31:44,480
Speaker 2: just find yourself on the show. Now, let's take a

691
00:31:44,520 --> 00:31:48,640
Speaker 2: listen to this week's money dilemma.

692
00:31:49,080 --> 00:31:52,760
Speaker 5: High Seas on the Money. I have noticed at my

693
00:31:52,880 --> 00:31:57,920
Speaker 5: work an increasing number of people, especially younger people, falling

694
00:31:58,240 --> 00:32:02,320
Speaker 5: for really not very nice scams. There's been a really

695
00:32:02,360 --> 00:32:05,120
Speaker 5: big influx in them, and a lot of them the

696
00:32:05,200 --> 00:32:09,000
Speaker 5: bank can't get their money back for different reasons. I

697
00:32:09,000 --> 00:32:11,520
Speaker 5: thought it would be awesome if you and the team

698
00:32:11,560 --> 00:32:13,880
Speaker 5: could maybe have a chat about scams and what to

699
00:32:13,960 --> 00:32:16,360
Speaker 5: kind of look out for, because it seems to be

700
00:32:16,400 --> 00:32:20,280
Speaker 5: on the rise and these people are absolutely horrible and

701
00:32:20,480 --> 00:32:22,520
Speaker 5: I want them to stop, but I can't. So we've

702
00:32:22,520 --> 00:32:24,920
Speaker 5: got to get everyone all that She's on the Money

703
00:32:24,920 --> 00:32:27,680
Speaker 5: guys to know what to do. Thank you.

704
00:32:27,840 --> 00:32:30,160
Speaker 2: It's really sweet that she thinks we'll know what to do.

705
00:32:30,800 --> 00:32:32,760
Speaker 2: It is a good question. This happened like a couple

706
00:32:32,720 --> 00:32:34,480
Speaker 2: of weeks ago, where people just kept someone just kept

707
00:32:34,560 --> 00:32:36,960
Speaker 2: signing into my Facebook and my Outlook accounts and then stop,

708
00:32:38,880 --> 00:32:42,080
Speaker 2: what yes, fifty dollars from you.

709
00:32:42,200 --> 00:32:44,000
Speaker 4: I got it back eventually, but I was like, well

710
00:32:44,000 --> 00:32:46,600
Speaker 4: that's it for me. I literally can't exist anymore. Tip

711
00:32:46,680 --> 00:32:51,840
Speaker 4: Number one for everybody. Two factor authentication on literally everything.

712
00:32:52,160 --> 00:32:54,800
Speaker 4: Almost everything these days does have it. You're banking app

713
00:32:54,840 --> 00:32:57,800
Speaker 4: to all of your social media, your emails. You might go, well,

714
00:32:57,840 --> 00:32:59,840
Speaker 4: how am I getting scammed from my emails? Well, have

715
00:33:00,080 --> 00:33:02,400
Speaker 4: to my boyfriend. They go into your emails and then

716
00:33:02,640 --> 00:33:06,120
Speaker 4: they find like if you've paid for something, they'll then

717
00:33:06,240 --> 00:33:08,960
Speaker 4: contact the company or they'll find a way to reverse it.

718
00:33:09,160 --> 00:33:11,400
Speaker 4: Because he had the same thing happened. He had his

719
00:33:11,520 --> 00:33:12,400
Speaker 4: identity stolen.

720
00:33:12,480 --> 00:33:16,800
Speaker 2: Basically, we've had something happen recently to someone we know

721
00:33:17,360 --> 00:33:24,000
Speaker 2: and it has been heartbreaking to watch, like genuinely absolutely cooked,

722
00:33:24,480 --> 00:33:28,240
Speaker 2: same thing happened. They somehow must have clicked a phishing

723
00:33:28,240 --> 00:33:32,040
Speaker 2: email which allowed them to get into their emails and

724
00:33:32,400 --> 00:33:35,720
Speaker 2: see what they were going on, and they started sending

725
00:33:35,760 --> 00:33:38,480
Speaker 2: fake emails that felt like real emails because they'd reviewed

726
00:33:38,560 --> 00:33:41,120
Speaker 2: the previous stuff, and they ended up transferring a lot

727
00:33:41,240 --> 00:33:44,760
Speaker 2: of money to somewhere. It has now been lost to

728
00:33:45,040 --> 00:33:46,480
Speaker 2: It's so sad. It's horrific.

729
00:33:46,560 --> 00:33:49,880
Speaker 3: So yeah, almost every platform you can think of you

730
00:33:49,920 --> 00:33:52,200
Speaker 3: can switch to factor authentication onto.

731
00:33:52,360 --> 00:33:56,680
Speaker 2: These days, I think it's bare minimum two factor authentication

732
00:33:56,920 --> 00:33:59,800
Speaker 2: or nothing. Yeah, it was so annoying and now it is.

733
00:34:00,400 --> 00:34:02,760
Speaker 2: It is, but like, you know what's more annoying not

734
00:34:02,880 --> 00:34:04,840
Speaker 2: having the money that you saved. Yeah.

735
00:34:04,920 --> 00:34:06,520
Speaker 3: I got an email that's like, oh, someone tried to

736
00:34:06,520 --> 00:34:08,160
Speaker 3: look into you account, like if it was you, Bubba,

737
00:34:08,239 --> 00:34:10,400
Speaker 3: and I like went to an outlook. You can go

738
00:34:10,440 --> 00:34:12,239
Speaker 3: and it will show you every attempted log in.

739
00:34:12,360 --> 00:34:16,760
Speaker 2: Yes, and there was thousands, like someone in some country

740
00:34:17,200 --> 00:34:21,440
Speaker 2: trying but they can't because it's like my Gmail account. Yeah, crazy,

741
00:34:22,200 --> 00:34:24,359
Speaker 2: your outlook. It was my outlook. I'm like, God, it's

742
00:34:24,440 --> 00:34:24,799
Speaker 2: so weird.

743
00:34:24,840 --> 00:34:26,520
Speaker 3: And it's like they must have some machine or something

744
00:34:26,560 --> 00:34:29,279
Speaker 3: because it's like every two minutes for two weeks straight

745
00:34:29,400 --> 00:34:31,320
Speaker 3: or something and it's not working because I have the

746
00:34:31,360 --> 00:34:33,920
Speaker 3: two factor on. So everyone right now poured the episode.

747
00:34:34,080 --> 00:34:36,359
Speaker 3: Go turn it on for everything, even things you think

748
00:34:36,400 --> 00:34:39,440
Speaker 3: you shouldn't. Your PayPal, your bank, your Instagram.

749
00:34:39,200 --> 00:34:41,319
Speaker 2: Your social media. And we've all had a friend that

750
00:34:41,400 --> 00:34:48,120
Speaker 2: starts posting weird cryptocurrency stories scam like and also exactly.

751
00:34:48,120 --> 00:34:52,480
Speaker 4: I literally sent my best friend Live every single one

752
00:34:52,520 --> 00:34:55,239
Speaker 4: of my card details in one of our chats because

753
00:34:55,239 --> 00:34:57,719
Speaker 4: she was like, oh, can I use this for whatever subscription?

754
00:34:58,000 --> 00:34:59,799
Speaker 4: And I was like, yeah, try this, trade this, trade this,

755
00:35:00,080 --> 00:35:02,239
Speaker 4: then every single detail and then they look into my

756
00:35:02,320 --> 00:35:05,360
Speaker 4: Facebook and so maybe that's how the three dollars got someone.

757
00:35:05,640 --> 00:35:07,640
Speaker 4: But this is another one that I want to mention

758
00:35:07,680 --> 00:35:09,800
Speaker 4: because it kind of scared me. And I might have

759
00:35:09,840 --> 00:35:12,160
Speaker 4: mentioned it before, but I keep getting emails in my

760
00:35:12,680 --> 00:35:15,319
Speaker 4: junk but one ended up in my regular inbox. I

761
00:35:15,360 --> 00:35:18,960
Speaker 4: was like, hey, Rebecca syed date of birth. We have

762
00:35:19,040 --> 00:35:22,839
Speaker 4: been watching your Internet history, Yes we have. And then

763
00:35:22,960 --> 00:35:24,719
Speaker 4: so I just want everyone to know that's not real

764
00:35:25,880 --> 00:35:26,600
Speaker 4: Hunter money.

765
00:35:27,160 --> 00:35:31,239
Speaker 2: And and I don't know if someone emailed me and

766
00:35:31,239 --> 00:35:33,799
Speaker 2: said Victoria to buy and we have your nudes, will

767
00:35:33,880 --> 00:35:38,560
Speaker 2: post them or you have to pay us post them?

768
00:35:38,600 --> 00:35:40,040
Speaker 2: Yeah I know, I'm like, post that's fun.

769
00:35:40,120 --> 00:35:40,279
Speaker 3: Day.

770
00:35:40,960 --> 00:35:44,239
Speaker 2: Yeah, day it looks worse on you. Yeah, Like that's

771
00:35:44,239 --> 00:35:46,720
Speaker 2: probably not a very good photo. I've never taken nudes,

772
00:35:46,800 --> 00:35:49,560
Speaker 2: and it's because I'm too conservative and scared that something

773
00:35:49,600 --> 00:35:50,120
Speaker 2: would happen.

774
00:35:50,160 --> 00:35:52,000
Speaker 3: But like, it's sad that we live in a world

775
00:35:52,000 --> 00:35:55,799
Speaker 3: where we have to think consider that the front to

776
00:35:55,840 --> 00:35:57,440
Speaker 3: prevent other people's evil.

777
00:35:58,120 --> 00:36:01,200
Speaker 2: So in terms of resources though, so ScamWatch dot gov,

778
00:36:01,280 --> 00:36:05,280
Speaker 2: dot au is a fantastic location. In twenty twenty five,

779
00:36:05,960 --> 00:36:09,280
Speaker 2: scams are looking more and more believable, like they're able

780
00:36:09,320 --> 00:36:12,160
Speaker 2: to you know, there are even scams that exist where

781
00:36:12,200 --> 00:36:13,920
Speaker 2: they might go to your social media, collect all of

782
00:36:13,920 --> 00:36:16,239
Speaker 2: your personal information, work out your partner's name, and then

783
00:36:16,280 --> 00:36:19,719
Speaker 2: email both of you like it is insane. So we

784
00:36:19,800 --> 00:36:25,279
Speaker 2: are always checking any financial institution, so your bank, your

785
00:36:25,400 --> 00:36:30,440
Speaker 2: mortgage broker, your solicitor, anyone that is in the financial

786
00:36:30,480 --> 00:36:34,359
Speaker 2: services industry, a real estate agent. They will never ever,

787
00:36:34,480 --> 00:36:38,239
Speaker 2: ever ever email you asking for bank details. It does

788
00:36:38,280 --> 00:36:41,520
Speaker 2: not happen in our industry. So I would never email client.

789
00:36:41,600 --> 00:36:43,359
Speaker 2: I don't even care if they're settling on their house

790
00:36:43,440 --> 00:36:46,440
Speaker 2: tomorrow and they're not answering their phone. I will never

791
00:36:46,800 --> 00:36:50,120
Speaker 2: give a BSB an account number in writing. It just

792
00:36:50,160 --> 00:36:53,520
Speaker 2: doesn't happen. We call our clients, we crosscheck it, we

793
00:36:53,640 --> 00:36:55,799
Speaker 2: are I can see it on my screen, but I'd

794
00:36:55,840 --> 00:36:58,399
Speaker 2: never put it into an email form because I don't

795
00:36:58,400 --> 00:37:00,279
Speaker 2: know what's going to happen. I know what my ccurity

796
00:37:00,320 --> 00:37:02,120
Speaker 2: looks like, but I don't know what your security looks

797
00:37:02,120 --> 00:37:03,759
Speaker 2: like Beck, I'm not going to email it and then

798
00:37:03,840 --> 00:37:06,399
Speaker 2: have that be scammed. I'm not going to have that

799
00:37:06,480 --> 00:37:10,480
Speaker 2: be intercepted, which can happen. And a scammer put their

800
00:37:10,520 --> 00:37:12,960
Speaker 2: bsb inn account number into an email that looks like

801
00:37:13,000 --> 00:37:17,360
Speaker 2: it's from me. I would never email you financial information,

802
00:37:17,880 --> 00:37:21,799
Speaker 2: and nobody else who's legitimate would either. So if you

803
00:37:21,880 --> 00:37:26,200
Speaker 2: see that red flag, do pay attention to your Gmail

804
00:37:26,360 --> 00:37:29,200
Speaker 2: notifications as well, so like at the top of your email,

805
00:37:29,239 --> 00:37:31,280
Speaker 2: it might have like a little orange banner that says

806
00:37:31,719 --> 00:37:35,879
Speaker 2: this looks like a phishing email. Believe them. If your

807
00:37:35,920 --> 00:37:38,640
Speaker 2: bank calls you and says, hey, like, there's a weird

808
00:37:38,680 --> 00:37:41,360
Speaker 2: transaction Jess, and you go, no, no, no, I was

809
00:37:41,400 --> 00:37:45,319
Speaker 2: just transferring money to my friend. Usually that's because they've

810
00:37:45,320 --> 00:37:47,440
Speaker 2: picked up that there's something dodgy with the bsb in

811
00:37:47,480 --> 00:37:49,360
Speaker 2: account number, but they can't tell you that. They have

812
00:37:49,440 --> 00:37:51,000
Speaker 2: to go, oh, did you mean to do that? Like

813
00:37:51,040 --> 00:37:53,080
Speaker 2: did you triple check? Because I mean you might be

814
00:37:53,120 --> 00:37:57,600
Speaker 2: friends with the scammer? Right, go back check, triple check

815
00:37:57,640 --> 00:38:00,279
Speaker 2: with your friend, cancel the transaction. What's the word. Thing

816
00:38:00,280 --> 00:38:02,040
Speaker 2: that can happen? You have to go and just redo

817
00:38:02,080 --> 00:38:05,160
Speaker 2: the transaction. Oh sorry, bank, like I did actually have

818
00:38:05,239 --> 00:38:07,440
Speaker 2: it right the first time. I'd prefer you to do

819
00:38:07,520 --> 00:38:10,319
Speaker 2: that than not, like it might be a little bit

820
00:38:10,320 --> 00:38:12,759
Speaker 2: more of a waste of time, But at the end

821
00:38:12,800 --> 00:38:16,839
Speaker 2: of the day, scamming is definitely on the rise, and

822
00:38:17,360 --> 00:38:21,160
Speaker 2: I don't know, just stop. Never give out your personal information.

823
00:38:21,960 --> 00:38:24,960
Speaker 2: Nobody is ever gonna ask for that. Banks. You guys

824
00:38:25,400 --> 00:38:28,560
Speaker 2: should know that your bank would never call and be like, Hi,

825
00:38:28,800 --> 00:38:31,880
Speaker 2: is that Jessica, Oh yeah, yeah, yeah it is Jessica. Hi,

826
00:38:32,239 --> 00:38:35,120
Speaker 2: sorry Jessica. To continue this conversation, we need your like

827
00:38:35,360 --> 00:38:38,319
Speaker 2: your birth to Haiti and your account number. They're never

828
00:38:38,360 --> 00:38:40,719
Speaker 2: going to call you and ask for that personal information.

829
00:38:41,239 --> 00:38:43,919
Speaker 2: They might ask you, oh, hey, jess what's your You've

830
00:38:43,960 --> 00:38:46,880
Speaker 2: called us. But also you know what you can do.

831
00:38:47,120 --> 00:38:49,480
Speaker 2: You can say, hey, thanks so much, bank man, would

832
00:38:49,480 --> 00:38:52,799
Speaker 2: love to continue this conversation. Feels very legitimate. What's your landline?

833
00:38:53,280 --> 00:38:56,799
Speaker 2: I'll call you back so that you can guarantee that's

834
00:38:56,840 --> 00:38:59,680
Speaker 2: not a dodgy phone number. At the end of the day,

835
00:38:59,719 --> 00:39:02,920
Speaker 2: you need to be consistently checking, like as in, just

836
00:39:03,000 --> 00:39:06,640
Speaker 2: check yourself, be like could this be fake? Be vigilant,

837
00:39:06,800 --> 00:39:09,560
Speaker 2: always think everything's a scam. Like me, you might find

838
00:39:09,840 --> 00:39:12,480
Speaker 2: your ATM is bugged and it would be a fun

839
00:39:12,520 --> 00:39:15,439
Speaker 2: social media piece of content. And then if you ever

840
00:39:15,480 --> 00:39:17,400
Speaker 2: feel like you have been scammed, whether you have been

841
00:39:17,560 --> 00:39:20,680
Speaker 2: or not, contact your bank immediately. The sooner you can

842
00:39:20,760 --> 00:39:23,520
Speaker 2: intercept that payment, the sooner that you can get on

843
00:39:23,560 --> 00:39:25,759
Speaker 2: it and the bank is able to pull it back

844
00:39:25,840 --> 00:39:29,040
Speaker 2: or cancel the transaction, the better because if you leave

845
00:39:29,080 --> 00:39:30,480
Speaker 2: it a week because you're like, oh, I don't know,

846
00:39:30,760 --> 00:39:33,960
Speaker 2: let's just see how it goes, it could be gone.

847
00:39:34,239 --> 00:39:38,719
Speaker 2: It could be gone. So I think that's a laundry list.

848
00:39:38,880 --> 00:39:41,120
Speaker 2: Three I would love for you just like the more

849
00:39:41,160 --> 00:39:42,080
Speaker 2: the merrier.

850
00:39:41,840 --> 00:39:44,479
Speaker 3: Things that I've seen. So things to be vigilant off

851
00:39:44,760 --> 00:39:48,520
Speaker 3: when you get emails asking always click and look at

852
00:39:48,520 --> 00:39:50,280
Speaker 3: the email because you know, when you get an email

853
00:39:50,280 --> 00:39:52,279
Speaker 3: it to say from Jessica Ricky and then if you

854
00:39:52,360 --> 00:39:54,800
Speaker 3: click it, it will say you got the inmitual email.

855
00:39:55,200 --> 00:39:57,920
Speaker 3: It's very common for it to stay from I don't know,

856
00:39:57,960 --> 00:39:59,759
Speaker 3: Bendigo Bank and then you click on it and at

857
00:40:00,440 --> 00:40:03,239
Speaker 3: from XYZ two three form blah blah blah blah.

858
00:40:03,560 --> 00:40:06,280
Speaker 2: Then it has like Bendy Go Bank in the username still.

859
00:40:06,080 --> 00:40:08,640
Speaker 3: And you're like, hold on, yeah, So always look at

860
00:40:08,680 --> 00:40:11,759
Speaker 3: the actual email links will never come to you from

861
00:40:11,800 --> 00:40:15,360
Speaker 3: tech via tech from your financial institution, Like they'll never say.

862
00:40:15,600 --> 00:40:17,920
Speaker 2: I'll click this link to verify your bank details. Yeah,

863
00:40:18,040 --> 00:40:20,319
Speaker 2: it looks like suspicious activity on your account. Click this

864
00:40:20,400 --> 00:40:22,279
Speaker 2: link to confirm whether or not it was you. So

865
00:40:22,480 --> 00:40:25,360
Speaker 2: don't like, always go directly through your banking app, go

866
00:40:25,480 --> 00:40:29,480
Speaker 2: directly through your banking website. Don't click those links and

867
00:40:29,480 --> 00:40:31,359
Speaker 2: then the other one. Someone DMB the other.

868
00:40:31,280 --> 00:40:32,880
Speaker 3: Day and ask me about this. They're like, you do

869
00:40:32,920 --> 00:40:35,080
Speaker 3: a lot of Facebook marketplace stuff. Can you tell me

870
00:40:35,640 --> 00:40:37,919
Speaker 3: there's a common thing at the moment where people will

871
00:40:37,960 --> 00:40:41,759
Speaker 3: ask to pay you via card or direct debit, and

872
00:40:41,800 --> 00:40:44,920
Speaker 3: then they'll charge back the payment so that the payment

873
00:40:44,960 --> 00:40:46,480
Speaker 3: then bounces back to them.

874
00:40:46,680 --> 00:40:48,479
Speaker 2: So rude, How do you stop that?

875
00:40:48,840 --> 00:40:51,120
Speaker 3: It's really hard to do, Like you, there's not a

876
00:40:51,120 --> 00:40:54,280
Speaker 3: lot you can do, so like your options are only

877
00:40:54,320 --> 00:40:56,640
Speaker 3: take cash, although I understand if you're selling a couch

878
00:40:56,760 --> 00:40:58,880
Speaker 3: like five hundred dollars, you might not want five hundred

879
00:40:58,880 --> 00:40:59,839
Speaker 3: dollars in cash.

880
00:41:00,080 --> 00:41:02,839
Speaker 2: I would prefer that then having some random be able

881
00:41:02,840 --> 00:41:04,400
Speaker 2: to charge back. Yeah, totally.

882
00:41:04,440 --> 00:41:06,640
Speaker 3: The other thing is look at reviews and stuff. So

883
00:41:06,719 --> 00:41:08,360
Speaker 3: even a lot of people don't realize this when you

884
00:41:08,360 --> 00:41:10,920
Speaker 3: sell stuff on Facebook marketplaces, you can rate like the

885
00:41:10,960 --> 00:41:13,720
Speaker 3: transaction the seller. So even just if you're buying something

886
00:41:13,719 --> 00:41:15,880
Speaker 3: from someone you know and you want to check that

887
00:41:15,920 --> 00:41:17,799
Speaker 3: they're not selling fake or that they're not kind of dodgy,

888
00:41:17,920 --> 00:41:19,840
Speaker 3: just like click on their profile and it will usually

889
00:41:19,960 --> 00:41:22,360
Speaker 3: list if they've sold stuff before, they'll have a rating.

890
00:41:22,600 --> 00:41:24,360
Speaker 2: Yeah, and it's also worth just looking at that.

891
00:41:24,560 --> 00:41:27,440
Speaker 3: It's not a perfect system because selling stuff on marketplace

892
00:41:27,520 --> 00:41:29,960
Speaker 3: or gum Tree or whatever is you're in it. It's

893
00:41:29,960 --> 00:41:32,560
Speaker 3: a very personal. There's no system in place to really

894
00:41:32,600 --> 00:41:35,600
Speaker 3: prevent that. But just again being like super hyper vigilant

895
00:41:36,080 --> 00:41:38,759
Speaker 3: or a good one is PayPal transacting through PayPal, so

896
00:41:38,800 --> 00:41:41,160
Speaker 3: say hey, like sorry, not happy to do direct via

897
00:41:41,160 --> 00:41:45,320
Speaker 3: the bank, but PayPal has really fantastic systems in place

898
00:41:45,800 --> 00:41:48,160
Speaker 3: to protect buyers and sellers, So you may have to

899
00:41:48,160 --> 00:41:51,399
Speaker 3: pay a few dollars in transaction fees, but for peace

900
00:41:51,400 --> 00:41:52,399
Speaker 3: of mind, I think that.

901
00:41:52,280 --> 00:41:54,600
Speaker 2: That's really worth it. Yeah, yeah, yeah, And I love

902
00:41:54,640 --> 00:41:56,799
Speaker 2: that regular people are doing this, like the I think

903
00:41:56,840 --> 00:41:58,880
Speaker 2: so like I think people are selling stuff on Facebook

904
00:41:58,920 --> 00:42:01,279
Speaker 2: market play or going to buy stuff on Facebook Marketplace

905
00:42:01,400 --> 00:42:03,640
Speaker 2: and then being like yeah, so sorry, can I just

906
00:42:03,640 --> 00:42:06,759
Speaker 2: transfer you the cash and then they're trying to charge

907
00:42:06,760 --> 00:42:09,800
Speaker 2: it back. Really that is so mean, which is awful,

908
00:42:09,920 --> 00:42:12,720
Speaker 2: But again, I'm so angry about that on everybody.

909
00:42:13,000 --> 00:42:14,920
Speaker 3: That Yeah, it just seems like and I mean, I

910
00:42:15,000 --> 00:42:17,040
Speaker 3: know that times are tough and people get desperate, but

911
00:42:17,600 --> 00:42:19,759
Speaker 3: I think that the moral of the story is you

912
00:42:19,800 --> 00:42:21,359
Speaker 3: do have to just kind of be a little bit

913
00:42:21,360 --> 00:42:23,920
Speaker 3: suspicious and a little bit aware and do whatever you

914
00:42:23,960 --> 00:42:26,560
Speaker 3: can to protect yourself. And sometimes that means taking more steps,

915
00:42:26,600 --> 00:42:29,120
Speaker 3: but better that than you know, losing three hundred and

916
00:42:29,120 --> 00:42:30,720
Speaker 3: fifty dollars, right, yeah.

917
00:42:30,920 --> 00:42:32,680
Speaker 2: Like, and if it's a little bit more life, I mean,

918
00:42:32,960 --> 00:42:34,839
Speaker 2: I get it, but at the end of the day,

919
00:42:34,880 --> 00:42:38,520
Speaker 2: it's protecting you. Yeah, that's invaluable. Should we get into

920
00:42:38,520 --> 00:42:40,759
Speaker 2: the DM we should? Oh my gosh, I want to

921
00:42:40,800 --> 00:42:43,080
Speaker 2: keep talking about scam. I'm not going to you can

922
00:42:43,120 --> 00:42:45,560
Speaker 2: do a whole week, okay, okay, okay. I will talk

923
00:42:45,600 --> 00:42:47,680
Speaker 2: to Emma off air. Emma is our producer for those

924
00:42:47,680 --> 00:42:49,520
Speaker 2: of you following along at home, and we will do

925
00:42:49,560 --> 00:42:52,399
Speaker 2: a deep dive into scams, the most common ones. What's

926
00:42:52,440 --> 00:42:54,839
Speaker 2: going around. Oh, it's going to beat you. Ready, beg,

927
00:42:55,000 --> 00:42:57,200
Speaker 2: I'm so ready? Okay, are we ready for the DM?

928
00:42:57,239 --> 00:43:00,520
Speaker 2: Of the week, though, Yes, okay, here's the DM we got. Guys.

929
00:43:00,960 --> 00:43:03,200
Speaker 2: My partner has been out of work for about nine

930
00:43:03,200 --> 00:43:05,520
Speaker 2: months and is really struggling to find a new job,

931
00:43:05,840 --> 00:43:08,759
Speaker 2: not even getting interviews, even though they've been looking in

932
00:43:08,880 --> 00:43:12,279
Speaker 2: diverse fields and roles. I've held with their resume and

933
00:43:12,440 --> 00:43:15,759
Speaker 2: everything's in order, and I'm stumped as to why they've

934
00:43:15,760 --> 00:43:19,000
Speaker 2: been given no job offers and only one interview this

935
00:43:19,120 --> 00:43:22,720
Speaker 2: whole time. I know communication is key, and I've tried

936
00:43:22,840 --> 00:43:26,359
Speaker 2: several times to have conversations about it, but as it's

937
00:43:26,400 --> 00:43:28,759
Speaker 2: a sensitive topic, I don't want to push it, and

938
00:43:28,760 --> 00:43:32,520
Speaker 2: my partner says they'll reach out with any updates instead

939
00:43:32,520 --> 00:43:35,920
Speaker 2: of me bringing it up. There've actually been very few updates.

940
00:43:36,480 --> 00:43:38,840
Speaker 2: We've been together for about four and a half years

941
00:43:38,880 --> 00:43:41,279
Speaker 2: and don't live together yet, and I feel like our

942
00:43:41,320 --> 00:43:44,280
Speaker 2: lives are currently on pause and we're getting further away

943
00:43:44,320 --> 00:43:46,200
Speaker 2: from being able to buy a house, which is a

944
00:43:46,200 --> 00:43:49,400
Speaker 2: shared goal because of his unemployment. I want them to

945
00:43:49,440 --> 00:43:52,839
Speaker 2: feel confident and successful, and I feel very helpless and

946
00:43:52,920 --> 00:43:56,200
Speaker 2: scared at how long this has gone on. As savings

947
00:43:56,280 --> 00:43:59,239
Speaker 2: don't last forever. What can I do in this situation

948
00:43:59,400 --> 00:44:04,640
Speaker 2: without being too pushy? What would you guys do well,

949
00:44:04,680 --> 00:44:06,600
Speaker 2: as you guys know, obviously, I was maybe redundant last

950
00:44:07,160 --> 00:44:10,800
Speaker 2: year and I was with Jess at the time, and

951
00:44:10,840 --> 00:44:13,879
Speaker 2: I still am, but I sugar mama, Yeah, sugar MoMA.

952
00:44:13,920 --> 00:44:15,439
Speaker 2: She really was a sugar mama for a little while,

953
00:44:15,800 --> 00:44:20,600
Speaker 2: and I suges we appreciate it. And I couldn't find

954
00:44:20,800 --> 00:44:23,120
Speaker 2: work for ages, but I was actively looking. So I

955
00:44:23,160 --> 00:44:24,920
Speaker 2: feel like there's two different things like if if if

956
00:44:24,960 --> 00:44:29,439
Speaker 2: this partner is actively looking. And some time when Jess

957
00:44:29,560 --> 00:44:33,520
Speaker 2: was like sticking by me and being really nice and patient,

958
00:44:34,160 --> 00:44:39,799
Speaker 2: I was like almost feeling this weird, like inferiority sort

959
00:44:39,840 --> 00:44:41,440
Speaker 2: of thing. I was just like, oh, I don't want

960
00:44:41,480 --> 00:44:43,480
Speaker 2: you to feel that. Thank you. Well, I think that's

961
00:44:43,520 --> 00:44:45,440
Speaker 2: like there's there's a part of it that like if

962
00:44:45,560 --> 00:44:48,719
Speaker 2: if your partner is actively trying and really is trying

963
00:44:48,719 --> 00:44:51,120
Speaker 2: to get a job and cannot because that is literally

964
00:44:51,160 --> 00:44:53,080
Speaker 2: what happened to me, And it's not because I wasn't

965
00:44:53,120 --> 00:44:56,080
Speaker 2: trying whatever. I sent hundreds and hundreds and hundreds of

966
00:44:56,239 --> 00:44:59,840
Speaker 2: couple letters and resumes and and kept changing them and

967
00:45:00,520 --> 00:45:02,400
Speaker 2: you know, all these things that I was trying and

968
00:45:02,440 --> 00:45:04,160
Speaker 2: then couldn't find a job. So I was like kind

969
00:45:04,160 --> 00:45:05,480
Speaker 2: of at a point where I was like, I was

970
00:45:05,480 --> 00:45:08,279
Speaker 2: almost like to that to just like I was like,

971
00:45:08,520 --> 00:45:10,680
Speaker 2: you can you know, there's no no pressure to like

972
00:45:11,239 --> 00:45:13,279
Speaker 2: hang around if you you know, I was like, and

973
00:45:13,360 --> 00:45:15,960
Speaker 2: then she was like you what I know? And she

974
00:45:16,080 --> 00:45:17,840
Speaker 2: was like, I'm not going to I'm not going to

975
00:45:17,920 --> 00:45:19,799
Speaker 2: break up with you because you don't have a job.

976
00:45:19,840 --> 00:45:22,080
Speaker 2: I happened to like you as a human band because

977
00:45:22,080 --> 00:45:25,120
Speaker 2: you earn money totally, and so in this moment, it

978
00:45:25,280 --> 00:45:27,879
Speaker 2: was like that was so meaningful. And so I think

979
00:45:27,920 --> 00:45:30,120
Speaker 2: for your partner if and I say again, like I

980
00:45:30,200 --> 00:45:32,719
Speaker 2: really want to clarify, like if they actually like really

981
00:45:32,760 --> 00:45:35,960
Speaker 2: really genuinely trying to find a job, if I'm like

982
00:45:36,040 --> 00:45:39,240
Speaker 2: putting myself in your partner's shoes, I'm like, the only

983
00:45:39,320 --> 00:45:42,400
Speaker 2: thing I needed was that reassurance that no one was

984
00:45:42,440 --> 00:45:45,360
Speaker 2: angry at me, everyone still loved me, I still was valued,

985
00:45:45,560 --> 00:45:49,920
Speaker 2: and I'm still a functioning member of society. I'm not

986
00:45:49,960 --> 00:45:51,440
Speaker 2: going to be like banished.

987
00:45:51,080 --> 00:45:53,040
Speaker 4: From everyone's lives because I can't find a job, because

988
00:45:53,040 --> 00:45:54,839
Speaker 4: that's like I can't find a job, I don't have money,

989
00:45:54,880 --> 00:45:57,239
Speaker 4: I'm losing my savings. Everyone hates me, no one loves me.

990
00:45:57,320 --> 00:45:57,640
Speaker 1: I don't.

991
00:45:57,680 --> 00:46:00,319
Speaker 2: Don't you're not worthy of job and you just viral.

992
00:46:00,360 --> 00:46:02,040
Speaker 4: And so they could be the case that your partner's

993
00:46:02,280 --> 00:46:05,520
Speaker 4: actively trying or maybe just like really really low and

994
00:46:05,800 --> 00:46:08,360
Speaker 4: isn't like trying as hard as they once were. But

995
00:46:08,440 --> 00:46:11,239
Speaker 4: either way, I think that the person who is you know,

996
00:46:11,320 --> 00:46:13,600
Speaker 4: has lost their job and is looking definitely needs support

997
00:46:13,680 --> 00:46:16,759
Speaker 4: and there's no rush really, like I understand like people

998
00:46:16,800 --> 00:46:19,040
Speaker 4: have different you know, goals, and it's like, oh my god,

999
00:46:19,080 --> 00:46:20,600
Speaker 4: we're so close, like we're going to buy a house

1000
00:46:20,640 --> 00:46:22,719
Speaker 4: at the end of this year, but really connection and

1001
00:46:22,840 --> 00:46:25,440
Speaker 4: love is way more important, and if you love each other,

1002
00:46:25,560 --> 00:46:28,080
Speaker 4: then I think just keep being patient, which I know

1003
00:46:28,239 --> 00:46:30,440
Speaker 4: sucks to because if you're in it, it's like I

1004
00:46:30,560 --> 00:46:33,399
Speaker 4: under totally understand the fear. But then on the flip side,

1005
00:46:33,440 --> 00:46:36,480
Speaker 4: if your partner's like just not communicating and not trying

1006
00:46:36,600 --> 00:46:39,200
Speaker 4: and not you know, anything, then that definitely needs a

1007
00:46:39,400 --> 00:46:43,959
Speaker 4: very very serious conversation. That's probably symptomatic if something bigger.

1008
00:46:44,040 --> 00:46:46,480
Speaker 4: Maybe they don't you know, maybe they don't actually care

1009
00:46:46,520 --> 00:46:48,640
Speaker 4: about this financial goal. Maybe that maybe that means that

1010
00:46:48,640 --> 00:46:51,160
Speaker 4: they they're not respecting you as much as they should

1011
00:46:51,200 --> 00:46:53,319
Speaker 4: and all these other things. So I'm like if that's

1012
00:46:53,400 --> 00:46:55,360
Speaker 4: the case the case. If it feels more like that,

1013
00:46:55,600 --> 00:46:59,000
Speaker 4: then that's definitely you definitely need to talk about your

1014
00:46:59,040 --> 00:47:02,440
Speaker 4: future together. In your future financially, communication is key.

1015
00:47:02,880 --> 00:47:06,000
Speaker 2: Shuger, I agree.

1016
00:47:06,239 --> 00:47:08,680
Speaker 3: I think that it's hard because your partners obviously tried

1017
00:47:08,680 --> 00:47:10,800
Speaker 3: to draw a boundary in saying they'll come to you

1018
00:47:11,080 --> 00:47:13,279
Speaker 3: with updates. But at the same time, if I was

1019
00:47:13,320 --> 00:47:15,919
Speaker 3: in our listener's shoes, I think that I also would

1020
00:47:15,920 --> 00:47:17,560
Speaker 3: probably be stressing. And I think, as you said, maybe

1021
00:47:17,600 --> 00:47:19,719
Speaker 3: communicating to them and saying, hey, like, I understand that

1022
00:47:19,760 --> 00:47:22,360
Speaker 3: you're probably under a lot of stress because you're, you know,

1023
00:47:22,520 --> 00:47:24,359
Speaker 3: not feeling like you're being able to get a job

1024
00:47:24,520 --> 00:47:28,000
Speaker 3: and validate them, and I understand that you're trying.

1025
00:47:28,040 --> 00:47:28,480
Speaker 2: I see that.

1026
00:47:28,640 --> 00:47:31,279
Speaker 3: But from my end, I also would really appreciate being

1027
00:47:31,360 --> 00:47:33,759
Speaker 3: kept in the loops so that I can have an

1028
00:47:33,840 --> 00:47:36,440
Speaker 3: understanding of what's going on because we are in this together,

1029
00:47:36,600 --> 00:47:39,680
Speaker 3: particularly if we're sharing goals and finances. The one piece

1030
00:47:39,719 --> 00:47:42,520
Speaker 3: of actionable advice I would give is that if you've

1031
00:47:42,560 --> 00:47:45,759
Speaker 3: been applying and applying for nine months, and you know,

1032
00:47:45,960 --> 00:47:48,360
Speaker 3: our listener said that he was applying across a range

1033
00:47:48,440 --> 00:47:51,560
Speaker 3: of industries, I would suggest that maybe he needs to

1034
00:47:51,600 --> 00:47:56,000
Speaker 3: be applying for lower level roles. Like if you're applying

1035
00:47:56,000 --> 00:47:57,719
Speaker 3: over nine months and you're still not having any luck

1036
00:47:57,719 --> 00:47:59,560
Speaker 3: and you're getting to the point where you're stressed about money,

1037
00:48:00,120 --> 00:48:02,719
Speaker 3: as hard as it is, you might just have to

1038
00:48:02,840 --> 00:48:05,839
Speaker 3: go I'll take what I can get totally. I'll pick

1039
00:48:05,920 --> 00:48:08,440
Speaker 3: up an evening shift at the pub, or I'll you know,

1040
00:48:08,719 --> 00:48:11,879
Speaker 3: instead of being a senior manager of marketing, I'll take

1041
00:48:11,960 --> 00:48:16,200
Speaker 3: a marketing manager or a marketing assistant. And it sucks,

1042
00:48:16,960 --> 00:48:19,319
Speaker 3: but there's no shame in just taking what you can

1043
00:48:19,440 --> 00:48:22,200
Speaker 3: get to keep yourself afloat.

1044
00:48:21,960 --> 00:48:24,240
Speaker 2: Until we keep you on track to get your goals correct.

1045
00:48:24,520 --> 00:48:27,520
Speaker 3: You can still interview for jobs, like you can keep applying,

1046
00:48:27,640 --> 00:48:30,719
Speaker 3: keep applying, keep interviewing, but it sounds like you're at

1047
00:48:30,760 --> 00:48:32,680
Speaker 3: the point where you just kind of or your partner

1048
00:48:32,800 --> 00:48:35,000
Speaker 3: just needs a job to have some money coming in

1049
00:48:35,920 --> 00:48:38,000
Speaker 3: to maybe fill the gap on the resume, to make

1050
00:48:38,040 --> 00:48:40,440
Speaker 3: sure that you guys are able to achieve your goals.

1051
00:48:40,880 --> 00:48:43,880
Speaker 3: And I think, as hard as it is, sometimes you

1052
00:48:43,960 --> 00:48:45,680
Speaker 3: do just have to take a step backwards to take

1053
00:48:45,719 --> 00:48:47,719
Speaker 3: a step forwards, you know, take a slightly lower role

1054
00:48:48,080 --> 00:48:50,279
Speaker 3: so that you can progress within that company, or take

1055
00:48:50,320 --> 00:48:52,800
Speaker 3: a slightly lower role so that you can work on

1056
00:48:52,880 --> 00:48:55,440
Speaker 3: building your skill set or study or do whatever. But

1057
00:48:56,520 --> 00:48:58,680
Speaker 3: nine months is a really long time and it's definitely

1058
00:48:58,760 --> 00:49:01,360
Speaker 3: not always the fault of the app can but it

1059
00:49:01,480 --> 00:49:03,160
Speaker 3: sounds like you're getting to the point where you just

1060
00:49:03,280 --> 00:49:06,200
Speaker 3: need to be able to do something, and that would

1061
00:49:06,239 --> 00:49:08,280
Speaker 3: probably be That's what I would do personally.

1062
00:49:08,520 --> 00:49:11,799
Speaker 2: I think that's great advice, Like that's it's just kind

1063
00:49:11,840 --> 00:49:15,040
Speaker 2: of like, get out there, get a job because do

1064
00:49:15,080 --> 00:49:19,520
Speaker 2: you know what? It obviously is much harder done than said,

1065
00:49:20,400 --> 00:49:23,279
Speaker 2: but being employed is going to make you more employable

1066
00:49:23,360 --> 00:49:25,880
Speaker 2: to your dream job as well. Yeah, oh, I've actually

1067
00:49:25,920 --> 00:49:27,840
Speaker 2: got a job at the moment, Like I want to

1068
00:49:27,880 --> 00:49:30,279
Speaker 2: step up into this or do you know what? The

1069
00:49:30,400 --> 00:49:32,600
Speaker 2: work ethic? I remember, and I've said this before on

1070
00:49:32,640 --> 00:49:35,239
Speaker 2: the podcast about you, Jess, I remember when I hired you,

1071
00:49:35,320 --> 00:49:37,759
Speaker 2: you'd been made redundant, were going through COVID I in

1072
00:49:37,880 --> 00:49:39,759
Speaker 2: order and I was like, what are you doing at

1073
00:49:39,800 --> 00:49:41,120
Speaker 2: the moment? And you were like, I'm working in a

1074
00:49:41,160 --> 00:49:42,719
Speaker 2: warehouse and I was like doing what And You're like

1075
00:49:42,760 --> 00:49:46,000
Speaker 2: packing boxes and I was like great, Like I adored

1076
00:49:46,120 --> 00:49:47,840
Speaker 2: that work ethic. That's the type of person that I

1077
00:49:47,920 --> 00:49:51,799
Speaker 2: want working for me, But the contrast would have been, Oh,

1078
00:49:52,000 --> 00:49:54,680
Speaker 2: I'm just waiting to find my perfect job. I got

1079
00:49:54,719 --> 00:49:58,040
Speaker 2: made redundant and I want to like it spoke volumes

1080
00:49:58,080 --> 00:50:00,040
Speaker 2: about your character that you were like, I'll just do

1081
00:50:00,200 --> 00:50:02,680
Speaker 2: anything actually to fill my time, to keep money coming

1082
00:50:02,719 --> 00:50:05,200
Speaker 2: in and food on the table. I was like, mad, respect,

1083
00:50:05,320 --> 00:50:07,200
Speaker 2: that's the type of person I want to surround myself with.

1084
00:50:07,480 --> 00:50:10,480
Speaker 2: And I literally didn't even take it much further. I

1085
00:50:10,600 --> 00:50:13,000
Speaker 2: was like, I don't think I even cared about qualifications.

1086
00:50:13,040 --> 00:50:14,480
Speaker 2: It was all about work ethic And I was like,

1087
00:50:14,600 --> 00:50:17,440
Speaker 2: that is who I want on my team. Yeah, and

1088
00:50:17,520 --> 00:50:20,080
Speaker 2: I think that that's really important to remember. Not because

1089
00:50:20,080 --> 00:50:24,000
Speaker 2: I'm like gold standard employer, but like that's how most

1090
00:50:24,120 --> 00:50:27,319
Speaker 2: people would see it. Like, and it's not a bad thing.

1091
00:50:27,880 --> 00:50:29,840
Speaker 2: I guess updating your resume. I know you've had a

1092
00:50:29,880 --> 00:50:31,560
Speaker 2: look at it, but like, would it be worth getting

1093
00:50:31,600 --> 00:50:34,440
Speaker 2: somebody external to have a look at it and tailor it?

1094
00:50:34,880 --> 00:50:36,760
Speaker 2: Are you using targeted cover letters?

1095
00:50:36,920 --> 00:50:37,120
Speaker 3: Yeah?

1096
00:50:37,200 --> 00:50:39,880
Speaker 2: Big one. So like you're just submitting your resume on Seek.

1097
00:50:39,960 --> 00:50:42,440
Speaker 2: Like because if you're just going on Seek and hitting apply, Apply, Apply,

1098
00:50:42,760 --> 00:50:46,160
Speaker 2: like there's no tailoring, there's no personality, Like it is

1099
00:50:46,239 --> 00:50:48,680
Speaker 2: hard to get a job at the moment, and tailored

1100
00:50:48,760 --> 00:50:51,160
Speaker 2: cover letters do stand out, and I know that a

1101
00:50:51,200 --> 00:50:53,319
Speaker 2: lot of people, and like, we've had this heat before.

1102
00:50:53,360 --> 00:50:54,960
Speaker 2: You've probably seen it, just I don't know if you've

1103
00:50:55,000 --> 00:50:57,359
Speaker 2: paid attention to it on TikTok beck because I don't

1104
00:50:57,360 --> 00:50:59,880
Speaker 2: think we've done a lot of employment stuff recently. But

1105
00:51:00,840 --> 00:51:03,680
Speaker 2: people when I say, oh, write a tailored cover letter,

1106
00:51:03,719 --> 00:51:05,960
Speaker 2: They're like, I shouldn't have to do that. My experience

1107
00:51:06,120 --> 00:51:09,080
Speaker 2: should speak for itself. It's like, I totally agree with you,

1108
00:51:09,600 --> 00:51:12,320
Speaker 2: but like I'm not the one hiring, it's other people,

1109
00:51:12,440 --> 00:51:15,000
Speaker 2: and I'm giving advice that hopefully puts you ahead of

1110
00:51:15,080 --> 00:51:17,799
Speaker 2: the curve, that puts you ahead of the other applicants.

1111
00:51:18,120 --> 00:51:20,920
Speaker 2: And a tailored cover letter where you've clearly done your

1112
00:51:20,960 --> 00:51:24,360
Speaker 2: research and you understand, you know the company and the

1113
00:51:24,480 --> 00:51:27,319
Speaker 2: values it brings. Like people see that and go, wow,

1114
00:51:27,440 --> 00:51:29,399
Speaker 2: that's a lot of effort. I love someone who puts

1115
00:51:29,440 --> 00:51:34,399
Speaker 2: that effort into my business. I would be optimizing your LinkedIn. Yeah,

1116
00:51:34,480 --> 00:51:38,040
Speaker 2: so like not always the best thing for your industry.

1117
00:51:38,120 --> 00:51:41,040
Speaker 2: I don't know what industry you're in, but like making

1118
00:51:41,120 --> 00:51:43,520
Speaker 2: sure that your LinkedIn is up to date, has all

1119
00:51:43,560 --> 00:51:46,840
Speaker 2: of your current stuff, your degrees, like all of those things,

1120
00:51:47,120 --> 00:51:49,320
Speaker 2: so that if someone is looking you up, they're getting

1121
00:51:49,320 --> 00:51:52,680
Speaker 2: a really clean experience of what you do, how you

1122
00:51:52,800 --> 00:51:56,800
Speaker 2: do it. Also cleaning up your online presence. No, it's

1123
00:51:56,840 --> 00:51:57,600
Speaker 2: a relevant thing.

1124
00:51:57,680 --> 00:52:00,439
Speaker 3: Like in this day and age, people are looking people

1125
00:52:00,480 --> 00:52:02,880
Speaker 3: on Facebook and Instagram and whatever to see who they

1126
00:52:02,960 --> 00:52:03,600
Speaker 3: might be hiring.

1127
00:52:03,840 --> 00:52:05,640
Speaker 2: I don't think anyone in our community is going to

1128
00:52:05,680 --> 00:52:09,399
Speaker 2: have a presence that is negative. But like if there

1129
00:52:09,480 --> 00:52:13,239
Speaker 2: are things online like I don't know, you love to

1130
00:52:14,280 --> 00:52:17,719
Speaker 2: blast your current boss on Twitter or something, and like

1131
00:52:17,800 --> 00:52:21,000
Speaker 2: it's quote anonymous, but it's under your government name, and

1132
00:52:21,120 --> 00:52:24,040
Speaker 2: then I somehow google you and find that I don't

1133
00:52:24,040 --> 00:52:26,719
Speaker 2: want you working for me. That's weird. So I think

1134
00:52:26,760 --> 00:52:28,799
Speaker 2: that just making sure that you're dotting all your e's

1135
00:52:28,840 --> 00:52:32,200
Speaker 2: and crossing all your t's, and yeah, I think professional

1136
00:52:32,280 --> 00:52:35,000
Speaker 2: help could help. Like I know you're chewing three savings

1137
00:52:35,040 --> 00:52:37,440
Speaker 2: at the moment, but like sitting down and maybe talking

1138
00:52:37,520 --> 00:52:39,799
Speaker 2: to a career coach, maybe talking to someone who does

1139
00:52:39,880 --> 00:52:43,080
Speaker 2: a professional resume. Like not the worst idea in the

1140
00:52:43,280 --> 00:52:45,360
Speaker 2: entire world, because I'm not saying that you don't know

1141
00:52:45,400 --> 00:52:48,480
Speaker 2: what you're talking about, but like, clearly something's got to change.

1142
00:52:48,680 --> 00:52:51,200
Speaker 2: True and maybe your partner. I don't know. I don't

1143
00:52:51,280 --> 00:52:53,879
Speaker 2: like getting advice from my partner. Yeah, I don't want

1144
00:52:53,880 --> 00:52:56,000
Speaker 2: to be told by him that, oh, yoursmey is not

1145
00:52:56,040 --> 00:52:58,439
Speaker 2: good enough whatever. Maybe like an external doing that would

1146
00:52:58,480 --> 00:53:00,480
Speaker 2: feel a little bit nice, I'm sure. So it feels

1147
00:53:00,680 --> 00:53:03,160
Speaker 2: can sometimes feel like, oh my god, I'm already.

1148
00:53:04,400 --> 00:53:07,600
Speaker 3: Yeah, that's anything, Like don't they are probably feeling embarrassed.

1149
00:53:07,600 --> 00:53:09,040
Speaker 3: Like I know that when I took a job that

1150
00:53:09,280 --> 00:53:12,360
Speaker 3: was not there's anything wrong with working a warehouse like it, but.

1151
00:53:12,400 --> 00:53:13,960
Speaker 2: It was just not work done before.

1152
00:53:14,000 --> 00:53:16,880
Speaker 3: But it was not like Youurine, I'd been a career girly,

1153
00:53:17,000 --> 00:53:18,799
Speaker 3: and I was like, wow, like I feel a little

1154
00:53:18,800 --> 00:53:21,520
Speaker 3: bit like I'm taking a step in that doesn't a

1155
00:53:21,560 --> 00:53:24,040
Speaker 3: differentiation to the direction that I want to be going,

1156
00:53:24,120 --> 00:53:27,239
Speaker 3: and that felt really embarrassing. And not finding a job

1157
00:53:27,280 --> 00:53:29,040
Speaker 3: for such a long period of time can also feel

1158
00:53:29,040 --> 00:53:29,680
Speaker 3: really embarrassing.

1159
00:53:29,800 --> 00:53:32,040
Speaker 2: So and I was literally the opposite. When I looked

1160
00:53:32,080 --> 00:53:35,040
Speaker 2: at you from the outside, I was like, whoa, Like

1161
00:53:35,239 --> 00:53:38,239
Speaker 2: that's ilite ye, So like people, I promise looking at

1162
00:53:38,280 --> 00:53:40,719
Speaker 2: you from my perspective, not the way that you're seeing

1163
00:53:40,760 --> 00:53:41,600
Speaker 2: yourself in that moment.

1164
00:53:42,320 --> 00:53:45,160
Speaker 3: So like reminding him that that's the case, but also

1165
00:53:45,600 --> 00:53:47,080
Speaker 3: there's nothing to be embarrassed about, like you've got it.

1166
00:53:47,160 --> 00:53:48,440
Speaker 3: Sometimes you just got to do what you gotta do

1167
00:53:48,880 --> 00:53:50,439
Speaker 3: and whatever that looks like, that's okay.

1168
00:53:50,760 --> 00:53:53,240
Speaker 2: I was just gonna say, I use I use recruitment agencies,

1169
00:53:53,360 --> 00:53:54,920
Speaker 2: and I don't know if that's the thing. That's a

1170
00:53:55,000 --> 00:53:57,040
Speaker 2: great ideas. Use those because they're like they're kind of

1171
00:53:57,080 --> 00:53:58,440
Speaker 2: like out there and they're doing the work for you,

1172
00:53:58,520 --> 00:54:01,399
Speaker 2: and let's play. I love those places. We did ask

1173
00:54:01,440 --> 00:54:04,280
Speaker 2: the community. We were like, we have your two cents please.

1174
00:54:04,680 --> 00:54:07,000
Speaker 2: We said, if you were our community member, what would

1175
00:54:07,040 --> 00:54:10,000
Speaker 2: you do. Nineteen percent of you said, try and help

1176
00:54:10,040 --> 00:54:12,480
Speaker 2: with the job hunt, twelve percent said I'm going to

1177
00:54:12,520 --> 00:54:14,920
Speaker 2: give them space to figure it out, and sixty nine

1178
00:54:14,960 --> 00:54:17,000
Speaker 2: percent said I'm going to need to have a serious

1179
00:54:17,040 --> 00:54:20,719
Speaker 2: conversation about next steps. We then asked, have you or

1180
00:54:21,000 --> 00:54:24,920
Speaker 2: have you had a partner that has experienced extended unemployment.

1181
00:54:25,320 --> 00:54:27,759
Speaker 2: Thirty one percent said, yep, it was really hard it

1182
00:54:27,880 --> 00:54:31,600
Speaker 2: would be. Thirty one percent beck yeah, sixty five percent

1183
00:54:31,719 --> 00:54:34,600
Speaker 2: said no. Luckily enough. Four percent of you said I'm

1184
00:54:34,640 --> 00:54:37,399
Speaker 2: actually in the same boat right now. I'm so sorry.

1185
00:54:37,480 --> 00:54:41,480
Speaker 2: You has tough spot to save that so next we said,

1186
00:54:41,480 --> 00:54:43,879
Speaker 2: all right, give us your actual two cents, type out

1187
00:54:43,920 --> 00:54:48,400
Speaker 2: how you're feeling. Someone said, as the partner who was unemployed,

1188
00:54:48,480 --> 00:54:51,400
Speaker 2: please just give them space. They feel guilty enough already

1189
00:54:51,960 --> 00:54:53,799
Speaker 2: that's been reiterated in the way that you were saying

1190
00:54:53,840 --> 00:54:57,920
Speaker 2: you for feeling Beck. Yeah, and I just I totally

1191
00:54:58,040 --> 00:55:00,799
Speaker 2: respect that, but it's often not a reflection on news

1192
00:55:00,800 --> 00:55:03,960
Speaker 2: softa to reflection of the market. Someone else said, make

1193
00:55:04,000 --> 00:55:06,000
Speaker 2: it a fun night activity. Why not have a pizza,

1194
00:55:06,160 --> 00:55:08,760
Speaker 2: some drinks and do some team job searching together.

1195
00:55:09,120 --> 00:55:09,440
Speaker 3: Cute.

1196
00:55:09,520 --> 00:55:11,919
Speaker 2: Yeah, that's nice. It's also just a really nice idea.

1197
00:55:12,080 --> 00:55:14,160
Speaker 2: Like imagine if Jess turned around and said, Beck, I

1198
00:55:14,239 --> 00:55:16,239
Speaker 2: don't judge you for not having a job, but do

1199
00:55:16,280 --> 00:55:18,200
Speaker 2: you want to get a pizza and just like deep

1200
00:55:18,280 --> 00:55:20,920
Speaker 2: dive one evening? True, I feel really supportive.

1201
00:55:21,160 --> 00:55:21,359
Speaker 1: Yeah.

1202
00:55:22,239 --> 00:55:24,799
Speaker 2: Someone else said. The other thing is what are they

1203
00:55:24,920 --> 00:55:28,520
Speaker 2: doing while not working right now? That's a big one.

1204
00:55:28,680 --> 00:55:30,759
Speaker 3: Are they helping picking up slack around the house or

1205
00:55:30,760 --> 00:55:32,680
Speaker 3: are they playing video games in their pjs all day?

1206
00:55:33,000 --> 00:55:33,200
Speaker 1: Yeah?

1207
00:55:33,280 --> 00:55:35,800
Speaker 2: And I mean you did say that they weren't living together,

1208
00:55:35,960 --> 00:55:38,080
Speaker 2: but surely you could get a good idea of what

1209
00:55:38,120 --> 00:55:39,640
Speaker 2: they're doing in their sharehouse or what they're doing in

1210
00:55:39,680 --> 00:55:43,399
Speaker 2: their parents' house or what that looks like. Someone else said,

1211
00:55:43,680 --> 00:55:47,920
Speaker 2: hr here, try applying for temporary roles first, more immediately

1212
00:55:47,960 --> 00:55:51,040
Speaker 2: available and recruiters will actually help you. That's a great

1213
00:55:51,440 --> 00:55:56,320
Speaker 2: a suggest Someone else said, there is an element of

1214
00:55:56,680 --> 00:55:59,759
Speaker 2: who you know. Maybe attend some networking events or reach

1215
00:55:59,800 --> 00:56:02,640
Speaker 2: out to your network also really good, depending on what

1216
00:56:02,719 --> 00:56:05,960
Speaker 2: industry you Yeah. Someone said, shared financial and life goals

1217
00:56:06,080 --> 00:56:08,319
Speaker 2: mean you do get input into the other person's life.

1218
00:56:09,480 --> 00:56:11,279
Speaker 2: That's a that's and that's kind of how I feel.

1219
00:56:11,280 --> 00:56:11,839
Speaker 2: That's what I'm saying.

1220
00:56:11,840 --> 00:56:15,160
Speaker 3: I was like, I understand, and you should respect somebody's boundary.

1221
00:56:15,200 --> 00:56:17,040
Speaker 3: But at the same time, I can also understand that

1222
00:56:17,600 --> 00:56:21,000
Speaker 3: if it affects you as the partner, you have a

1223
00:56:21,160 --> 00:56:22,960
Speaker 3: right to at least have a seat at the table

1224
00:56:23,040 --> 00:56:25,480
Speaker 3: for a conversation. How much you're entitled to is to

1225
00:56:25,560 --> 00:56:27,880
Speaker 3: be decided between the two of you, but once you

1226
00:56:27,960 --> 00:56:29,879
Speaker 3: are working towards things together, you're at.

1227
00:56:29,840 --> 00:56:32,520
Speaker 2: The same table. Yeah. Yeah, I like that idea. I

1228
00:56:32,600 --> 00:56:35,600
Speaker 2: haven't really thought about like what entitles you to have

1229
00:56:35,920 --> 00:56:39,839
Speaker 2: a opinion, but it's nice to have some I guess boundaries.

1230
00:56:40,360 --> 00:56:43,200
Speaker 2: Someone else said, totally get it. The job market is

1231
00:56:43,239 --> 00:56:45,440
Speaker 2: really hard right now. My partner applied for more than

1232
00:56:45,520 --> 00:56:49,920
Speaker 2: two hundred jobs last year and got two interviews. That

1233
00:56:50,120 --> 00:56:54,440
Speaker 2: is crell it's happening. It's so weird. That is awful.

1234
00:56:54,760 --> 00:56:58,279
Speaker 2: But also thank you for sharing, because I know that

1235
00:56:59,280 --> 00:57:01,440
Speaker 2: so many people are in this situation, and I think

1236
00:57:01,480 --> 00:57:03,000
Speaker 2: that the person that might have written in is like,

1237
00:57:03,080 --> 00:57:05,920
Speaker 2: is there something wrong. It's like, it's actually hard for

1238
00:57:06,040 --> 00:57:09,160
Speaker 2: so many people at the moment, and you can start

1239
00:57:09,200 --> 00:57:11,719
Speaker 2: to think it's you. It's not like, more often than not,

1240
00:57:11,840 --> 00:57:15,240
Speaker 2: it's absolutely not. Someone else said, sounds like the partner

1241
00:57:15,320 --> 00:57:17,400
Speaker 2: needs to apply for temporary jobs outside of his field.

1242
00:57:18,000 --> 00:57:20,720
Speaker 2: So similar to your advice, yess, and also similar to

1243
00:57:20,800 --> 00:57:23,760
Speaker 2: that advice from HR and then the last one because

1244
00:57:23,760 --> 00:57:25,920
Speaker 2: I won't go on and on said tell them they

1245
00:57:25,960 --> 00:57:28,480
Speaker 2: could like do Nightville or cleaning or uber It's or

1246
00:57:28,560 --> 00:57:30,920
Speaker 2: any other job to keep them away from a dog

1247
00:57:31,000 --> 00:57:38,120
Speaker 2: GMLM so much. Yeah, an MLM is not an option.

1248
00:57:38,320 --> 00:57:41,680
Speaker 2: It'll actually end up probably costing you more than what

1249
00:57:41,800 --> 00:57:45,400
Speaker 2: you would make, so that's not a good opportunity. Anyway,

1250
00:57:45,920 --> 00:57:48,520
Speaker 2: That's a great place to leave it. I love you guys.

1251
00:57:48,560 --> 00:57:51,720
Speaker 2: You are so funny. Have a good week. We'll see

1252
00:57:51,720 --> 00:57:54,520
Speaker 2: you bright early Monday morning from Money Diary. Until then,

1253
00:57:54,800 --> 00:58:04,080
Speaker 2: enjoy the weekend, my loves Bye, guys bye. The advice

1254
00:58:04,160 --> 00:58:06,680
Speaker 2: shared on She's on the Money is general in nature

1255
00:58:06,800 --> 00:58:10,240
Speaker 2: and does not consider your individual circumstances. She's on the

1256
00:58:10,320 --> 00:58:13,800
Speaker 2: Money exists purely for educational purposes and should not be

1257
00:58:13,960 --> 00:58:17,280
Speaker 2: relied upon to make an investment or financial decision. If

1258
00:58:17,320 --> 00:58:19,640
Speaker 2: you do choose to buy a financial product, read the

1259
00:58:19,720 --> 00:58:24,280
Speaker 2: PDS TMD and obtain appropriate financial advice tailored towards your needs.

1260
00:58:24,680 --> 00:58:28,600
Speaker 2: Victoria Divine and She's on the Money are authorized representatives

1261
00:58:28,680 --> 00:58:32,760
Speaker 2: of Money Sherper Pty Ltd ABN three two one six

1262
00:58:32,880 --> 00:58:36,720
Speaker 2: four nine two seven seven zero eight AFSL four five

1263
00:58:36,840 --> 00:58:38,000
Speaker 2: one two eight nine