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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,

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Speaker 1: Kaka yah y and beIN Ahaka Nian our gay In

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Speaker 1: Mbini yakarum jar dominyamiga Umagahawaka Woman, Damon Imlan Bomba ban

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Speaker 1: Gadabomba in and now in wakah ghan On yak rum

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Speaker 1: jar water Nadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank, acknowledge and respect

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Speaker 1: the Aboriginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money. Hello and welcome to She's on

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Speaker 3: the Money, the podcast that makes personal finance fun, especially

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Speaker 3: on Fridays. It is our favorite day of the week

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Speaker 3: because we get the team together to celebrate you our

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Speaker 3: incredible She's on the Money community. Miss Jess Gricci is

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Speaker 3: going to be sharing our favorite money wins Beck is

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Speaker 3: away again, so I'm going to be sharing this week's

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Speaker 3: bre tips and we'll be helping to answer a money dilemma,

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Speaker 3: which is all about being the quote financially responsible one

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Speaker 3: in a relationship and something that you slid into our

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Speaker 3: dms about this week, your sibling Cape's getting caught up

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Speaker 3: in something that is giving MLM vibes and we all

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Speaker 3: know how I feel about EMLM, so I cannot wait

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Speaker 3: to get into that. Before we get there, though, Miss

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Speaker 3: Jessic GRICI, how was the week that was? It's lovely?

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Speaker 4: I wanted to do Last night I went and saw

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Speaker 4: the new Fantastic Four, which was great, very much.

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Speaker 3: I ran into back how funny? Oh, I feel like

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Speaker 3: I got that invite as well? About you would have

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Speaker 3: got that.

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Speaker 4: Yeah, I was doing this so jess got it through

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Speaker 4: work apparently you but it's so funny. We walked in

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Speaker 4: James night. We were a little bit late and then

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Speaker 4: I just yeah, Jessica Rickie, and I'm.

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Speaker 3: Like, where is this voice coming over? And I was

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Speaker 3: back in jest. It was so funny, so cute. I

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Speaker 3: really wanted to go, but at the moment, I feel

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Speaker 3: like I'm really having to balance my social like yeah,

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Speaker 3: what I'm doing socially because I feel not guilty, but

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Speaker 3: I just don't have the energy. Like tonight we're going

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Speaker 3: out for drinks. Yes, you and I are going out

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Speaker 3: for drinks with our Amazon family, which will be really fun.

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Speaker 3: But I was like, I cannot back that up. But

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Speaker 3: I cannot do a movie premiere and then like after

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Speaker 3: work drinks. I'm sorry, that's too much for me. Yeah,

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Speaker 3: and also OK, here I feel rude being like to

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Speaker 3: my husband, you've got the baby two nights in a rob.

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Speaker 1: In a week.

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Speaker 3: Not of rude. But anyway, as we've been it's been good.

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Speaker 3: I've got work drinks tonight with Amazon, which honestly sounds

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Speaker 3: really fa Nancy, but honestly will be so nice because

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Speaker 3: most of the Amazon team, and this is I don't

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Speaker 3: know why I'm telling you this, maybe you'll find it

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Speaker 3: interesting actually based in Sydney, and so many of our

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Speaker 3: other brand partners are based in Sydney as well. So

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Speaker 3: whenever they do like, oh, into Financial Year drinks or whatever,

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Speaker 3: usually Jess, you and I have to be like, oh,

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Speaker 3: thanks for the invite, but we are in Sydney and like,

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Speaker 3: we don't have the capacity to just fly up. So

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Speaker 3: I think it'll be so nice. And I know that

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Speaker 3: there are going to be probably a lot of other

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Speaker 3: faces that we know there tonight, so that'll be good.

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Speaker 3: But yeah, I'm gearing up. I'm off to Bali soon,

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Speaker 3: so I am going. Yeah, just a little bit nuts

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Speaker 3: with packing already, like getting my stuff together, ordering out,

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Speaker 3: Oh my goodness. Yeah. And it's like winter. Yeah, and

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Speaker 3: I've been trying to find baby swimsuits so painful. Yeah. Anyway,

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Speaker 3: I got one on eBay, so money win. Love that

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Speaker 3: money win. So I was thinking, would you like a

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Speaker 3: five star review before we get into your break tips?

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Speaker 3: Honestly they are my absolute favorites. So this one this

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Speaker 3: week comes from Reread, and she says, I wanted to

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Speaker 3: write this review to say thank you for the big

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Speaker 3: impact your podcast has had on my finances and on

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Speaker 3: my life. I used to be an absolute mess when

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Speaker 3: it came to saving and spending, but now I finally

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Speaker 3: have a budget, a healthy emergency fund, and even I'm

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Speaker 3: investing in chares. Please never stop making this show. I've done.

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Speaker 3: I just love when you guys are like I have

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Speaker 3: my shit together and I'm like, how good does that feel?

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Speaker 3: Naps for you Cuenqueen. All right, keeping up the good vibes,

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Speaker 3: missjss GRICI, what money wins? Some confessions are you bringing

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Speaker 3: to us this week? From the group? All right? This week?

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Speaker 4: Firstly one from Lauren, who said I got audited by

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Speaker 4: the ETO, but I was great. I didn't lie on

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Speaker 4: anything and I just ended up owing them thirty nine

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Speaker 4: dollars for a simple mistake that she'd made, but the

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Speaker 4: ATO decided to wave it and cancel the audit.

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Speaker 3: Sorry, what unheard of? Who did you sleep with the adal?

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Speaker 3: But that's where you get for being a good person?

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Speaker 3: Did not want to go return. Sorry. If you're always

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Speaker 3: just being a good person, good things are going to happen.

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Speaker 4: I completely agree. Next, I've got a money in from Anya,

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Speaker 4: who said money win. I received a big dividend payment

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Speaker 4: from Shares's, which I then reinvested into my shares account.

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Speaker 3: And she also found a fifteen dollars disc on Facebook Marketplace.

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Speaker 3: Isn't that so good? It was like dividend payment time

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Speaker 3: at the start of this month. Yeah, And I like

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Speaker 3: posted a screenshot to my stories. I was like, maybe

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Speaker 3: it's a dividend season. I had like all these little

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Speaker 3: notifications for all my ETFs and it was like, you

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Speaker 3: just got paid thirty cents and I was like, thanks,

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Speaker 3: and I will take it and I will be happy

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Speaker 3: for it.

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Speaker 4: Next, I've got a money in from Anita who said

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Speaker 4: he he I hacked in quotes my teen daughter's Instagram

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Speaker 4: account and followed she's on the money now so she

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Speaker 4: has inspiring financial tips from awesome role models popping up

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Speaker 4: in her feet. I love you, and honestly, we SHO

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Speaker 4: didn't actually hack it because in quotation marks, I.

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Speaker 3: Think she just was cheeking lock. Also like, sorry, if

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Speaker 3: you leave your phone unlocked on the bench, I think

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Speaker 3: that's fair game to follow me. I completely agree, and

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Speaker 3: thanks for the follow We really appreciate it.

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Speaker 4: A Next, I've got a money from Delia, who said

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Speaker 4: she used our prompt to get discounts on her phone

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Speaker 4: bill and her car insurance and she's been shopping smart

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Speaker 4: with Woolli's and now has sixty dollars of rewards banked

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Speaker 4: towards Chris Money.

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Speaker 3: When I was actually having a conversation in my DMS

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Speaker 3: this week with someone who was like, oh, Vy, you

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Speaker 3: keep saying that you need to renegotiate like your mortgage

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Speaker 3: rate and just call your bank up and see if

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Speaker 3: you can get a better deal. But like, I'm so stumped,

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Speaker 3: Like I'm so bad at like advocating for myself. And

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Speaker 3: I was like, do you know that there are prompts

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Speaker 3: on our website, Like we have a whole e book

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Speaker 3: that you can download for free that basically has a

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Speaker 3: script on what to say and what to plug in

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Speaker 3: and how to get a better deal exactly. She was like, Victoria,

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Speaker 3: this is exactly what I was looking for. Twenty minutes

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Speaker 3: later a message I got a discount exactly, I.

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Speaker 4: Sing, we're poppling to that in the show notes if

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Speaker 4: you want to get yourself a better deal too, just

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Speaker 4: like Delia did. Next, I've got a money win from Rose,

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Speaker 4: who said she did her tax return and she's realized

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Speaker 4: that over the past five years her income has increased

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Speaker 4: by forty thousand dollars.

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Speaker 3: Sorry, is it?

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Speaker 4: And I'm assuming that's just like, you know, a little

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Speaker 4: bit each yar over those years. She's, yeah, so look

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Speaker 4: at where you've come from, because I think sometimes in

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Speaker 4: our journey we can forget like what we've done, and

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Speaker 4: maybe your tax returns a good time to do it.

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Speaker 4: And then lastly, this week I've got a money win

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Speaker 4: from Kelly, who said she filled up her car with

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Speaker 4: a locked in fuel price at seven eleven and she

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Speaker 4: got to redeem a reward because I think it's every

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Speaker 4: times you got does she tell us, Yeah, she got

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Speaker 4: a free Krispy Kreme and I had a giggle because

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Speaker 4: I did that this morning.

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Speaker 3: I picked up my free Crispy because you had to

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Speaker 3: get it by Chrispy. Good money. We in like we

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Speaker 3: have historically worked with seven eleven, but like I use

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Speaker 3: that app on a weekly basis, Like whenever i'm you know,

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Speaker 3: thinking about fuel, I'm like, oh, just have a look.

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Speaker 3: And sometimes I get a little bit cocky. I don't

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Speaker 3: know about you, but I look at the price lock

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Speaker 3: that I could put in and I'm like, no, I'm

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Speaker 3: going to see what I could get tomorrow. And then

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Speaker 3: I like check tomorrow and then'm like, aha, went down

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Speaker 3: by two cents. I'm not locked that in anyway. I just,

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Speaker 3: I don't know, feel powerful. Free Krispy Kreme my favorite

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Speaker 3: thing in the world exactly. I tagged you in a

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Speaker 3: thing on Instagram the other day and I was like, Jess,

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Speaker 3: remember the time we made a whole cake out of

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Speaker 3: Krispy Kreme. Oh, very we should do that again. Weish,

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Speaker 3: we should absolutely do that again. So that was a

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Speaker 3: good rap. I have the absolute privilege of getting Beck's

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Speaker 3: whole Broke Tips segment, so I hope I do do

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Speaker 3: this justice. The first broke tip. I have got a

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Speaker 3: lot of love in our community on our broke Tips thread.

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Speaker 3: This one comes from Jennifer and she says, if you

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Speaker 3: belong to any coffee clubs that do loyalty cards with

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Speaker 3: stamps or digital freebies, hang on to the freebie for

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Speaker 3: public holidays. When the cost gets much higher for your

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Speaker 3: free coffee, then gesus are you joking? You're a genius.

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Speaker 3: She's hated the system, no service surcharge because it's Freefe's free. Sorry,

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Speaker 3: you're a genius. Yes. The next one comes from Lily

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Speaker 3: and I'm sorry. I forgot that this even existed as

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Speaker 3: an option. Ikea Family membership do fifty percent off main

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Speaker 3: meals on Fridays twenty six dollars fifty for what's actually

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Speaker 3: a very nice meal, plus Hoists points used for discount

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Speaker 3: movie tickets, and you've got a very cheap date night.

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Speaker 4: Oh my god, that's perfect because there's a hoeets and

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Speaker 4: an Ikea at Richmond.

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Speaker 3: You cannot tell me that Ikea meatballs don't slap Oh

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Speaker 3: my other so the vegetables are also delicious. I don't

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Speaker 3: care anything from Ikia. The desserts elite next level, like

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Speaker 3: ten out of ten. We should probably go and do

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Speaker 3: an ea is it worth it at Ikea and be like,

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Speaker 3: let's try the meatballs again. It's been years, a little

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Speaker 3: wander through Ikea. I just love a brown too, not

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Speaker 3: too all right. And the last one I've got this

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Speaker 3: week is from Daria and she says, as I've got

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Speaker 3: a school aged kid at home, I was approved for

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Speaker 3: free internet and free school bus tickets for them, which

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Speaker 3: now saving me one hundred dollars a month free internet.

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Speaker 3: Oh my god, that's sue it. She didn't provide us

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Speaker 3: with any information, so I had to do a little

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Speaker 3: bit of research. But the Australian government is providing a

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Speaker 3: School Student Broadband Initiative or the SSBI, which provides free

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Speaker 3: NBN Internet to eligible families with school age children only

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Speaker 3: until the end of this year. But like free internets,

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Speaker 3: say less.

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Speaker 4: That's amazing, that's so good, go get on that if

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Speaker 4: you've got.

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Speaker 3: Here, absolutely, And that's all I've got for broke tips.

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Speaker 3: Jess it amazing. I'm excited. Let's go to a really

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Speaker 3: quick break because on the flip side, we're going to

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Speaker 3: be answering a money dilemma, which is all about being

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Speaker 3: the financially responsible one in a relationship. And something that

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Speaker 3: you slid into our dms about your sibling is getting

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Speaker 3: caught up in something that's giving MLM vibes. So guys,

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Speaker 3: don't go anywhere. Welcome back, everybody. Let's take a listen

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Speaker 3: to this week's money dilemma. Hi, there, have you got

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Speaker 3: a money dilemma you just can't solve that. She's on

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Speaker 3: the Money team is here to help. Every week we

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Speaker 3: tackle your dilemmas, both big and small, to answer your

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Speaker 3: most burning money, career and life questions. To get involved,

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Speaker 3: simply head to our website and leave us a short

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Speaker 3: voice recording and you might just find yourself on the show. Now,

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Speaker 3: let's take a listen to this week's money dilemma.

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Speaker 2: Hi, she's in the money. I'm hoping you can help

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Speaker 2: me figure out how to have a serious money conversation

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Speaker 2: with my partner. For a bit of context, we've been

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Speaker 2: together for four years, living together for two and we

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Speaker 2: already have a joint account we both transfer to monthly.

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Speaker 2: I have a steady income and have set up some

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Speaker 2: good money habits with automatic transfer setup to go to

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Speaker 2: dedicated accounts. My partner's money, sorry, is very different. He

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Speaker 2: comes for a family farm and for a long time

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Speaker 2: he never received a regular wage. We'll just request a

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Speaker 2: draw as needed, so as a result, he never developed

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Speaker 2: any good money habits and has no savings. Last financial year,

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Speaker 2: the family partnership changed so that he now receives a

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Speaker 2: weekly wage. This is a very low amount, about a

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Speaker 2: quarter of my income. Offered multiple times to assist my

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Speaker 2: partner in setting up his finances, and we have allocated

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Speaker 2: amounts on paper and open to savings account. But I

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Speaker 2: know he does not yet have any automatic transfer set up,

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Speaker 2: as he says he prefers to move his money himself.

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Speaker 2: But an added frustration is I have to remind him

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Speaker 2: every month to transfer to our own joint account. On

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Speaker 2: top of this, we you're planning some motivations I've been

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Speaker 2: saying for a while now, and have about forty thousand

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Speaker 2: dollars saved. Once upon a time he said he would

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Speaker 2: match me when the time came, but I doubt this

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Speaker 2: will happen now. I've asked many times if he can

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Speaker 2: contribute to the Reno fund or just how he saves

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Speaker 2: are going, but he never wants to talk about it.

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Speaker 2: I've also said I do not expect him to match

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Speaker 2: my monthly contribution, as I do have a high income,

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Speaker 2: but I still adm yet to see anything from him.

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Speaker 2: I feel I'm stuck in this Augard situation where I

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Speaker 2: don't want to push him about his money and his

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Speaker 2: savings habits, but I regularly see him spend money in

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Speaker 2: large sums and get very frustrated and concerned that we

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Speaker 2: are not matching our goals. I've tried to express my concerns,

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Speaker 2: but his response is always I know, I understand it'll

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Speaker 2: be right, and I still see no action. Please help.

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Speaker 4: That's such a hard one, is that I feel like

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Speaker 4: that's a very classic Australian farming community, like should be right,

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Speaker 4: we'll figure it out. Like I think that's very like

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Speaker 4: Salt of the Earth, traditional take on things, we're right,

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Speaker 4: Like I have family in like rural Australia, and like

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Speaker 4: I think that attitude is very much like a common thing.

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Speaker 4: It sounds like if I had to take a guess

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Speaker 4: I think he's embarrassed. I think it would be hard

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Speaker 4: probably for him to be earning a quarter of what

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Speaker 4: you are. And it's good that you're acknowledging that his

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Speaker 4: ability to save would be a lot lower than yours.

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Speaker 4: But I do think that it sounds like whether it's

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Speaker 4: because he's financial literacy isn't as good as yours, or

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Speaker 4: whether it's not a priority and he's not comfortable saying that.

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Speaker 4: I feel like potentially there's a little bit of emotion

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Speaker 4: tied up in this, and that's kind of what's god

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Speaker 4: in putting the wall up.

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Speaker 3: I think that.

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Speaker 4: It's hard because you can't crack someone open if they

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Speaker 4: don't want to talk to you. But he is your partner,

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Speaker 4: and I think that if he doesn't want to say

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Speaker 4: for the renovation, you know, if he has other priorities

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Speaker 4: and that's what he's spending the large sums of money

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Speaker 4: on or whatever, that looks like it's okay. But if

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Speaker 4: you guys aren't on the same page, like that's something

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Speaker 4: that you need to have a serious conversation about and

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Speaker 4: he needs to be comfortable being honest with you. I

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Speaker 4: know that it's hard to, you know, talk about something

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Speaker 4: especially if you are feeling embarrassment or if you are

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Speaker 4: feeling you know, not taking a wage for a long time.

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Speaker 4: Maybe he's feeling behind or I don't want to stereotype,

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Speaker 4: but I think again, especially in rural areas, I do

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Speaker 4: think there is a level of traditionalism that exists when

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Speaker 4: it comes to gender roles and things like that, and

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Speaker 4: so that maybe playing an element into it as well.

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Speaker 4: I think that it sounds like you're doing all of

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Speaker 4: the right things, and maybe you do just need to

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Speaker 4: have like a serious moment with your partner and say, hey,

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Speaker 4: I'm starting to feel really concerned. I'm starting to feel

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Speaker 4: really left out in the dark. Open the door and

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Speaker 4: say to him, it's okay if you don't want to

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Speaker 4: say for these things, or it's okay if you are

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Speaker 4: feeling some.

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Speaker 3: Type of way.

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Speaker 4: You know, we're a team. I'm here to support you

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Speaker 4: and whatever that looks like. If you want to transfer manually,

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Speaker 4: that's cool, you've got to do it. What's the barrier

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Speaker 4: for you there? I think we've got to kind of

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Speaker 4: figure out what's preventing him from doing the things that

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Speaker 4: he's saying he's going to do. Is it because he's

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Speaker 4: not remembering Okay, can you set up reminders or is

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Speaker 4: it because it's not a priority to him, And if so,

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Speaker 4: that's okay. But he needs to feel comfortable saying that

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Speaker 4: to you. Yeah, and it's so tricky because obviously we

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Speaker 4: don't have any insight into your relationship or him as

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Speaker 4: a person. Yes, so hard, But I'm making a lot

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Speaker 4: of assumptions and generalizations. But I think that it does

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Speaker 4: sound like you guys really are on different pages, and

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Speaker 4: sometimes you do have to just say to somebody, Hey,

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Speaker 4: it feels like we're in two completely separate worlds and

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Speaker 4: if we can't get on the same page, we might

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Speaker 4: not be able to do things together.

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Speaker 3: Like it just simply might not work. Yeah, I'd be

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Speaker 3: like agree with everything, So I'm not going to like

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Speaker 3: repeat what you've said, but cut paste of what Jess said.

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Speaker 3: And then I think it's also about kind of putting

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Speaker 3: the hard word on as well. Okay, so you said

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Speaker 3: that you've got some renovations planned. I would be saying

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Speaker 3: to your partner, Hey, we're going to have to put

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Speaker 3: a hold on the renovations. Like you don't have any savings,

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Speaker 3: you can't match it. So I guess like we're just

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Speaker 3: going to have to cancel those plans for now as

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Speaker 3: a little bit of a kick up the butt, like, sorry,

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Speaker 3: I know that you're spending a whole heap of money

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Speaker 3: over here, and that's fine if it's not a priority.

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Speaker 3: Do you do you just not want to do the

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Speaker 3: renous like what's going on here? Because if you're saving

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Speaker 3: aggressively and then you're seeing him spend large sums of

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Speaker 3: money on other stuff, sorry, yeah, that would annoy me

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Speaker 3: as well, Like, yeah, that's again element that I it

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Speaker 3: feels disrespectful, Like if you and I are saving towards

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Speaker 3: something together and then I see you going and spending

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Speaker 3: on something else, and it means that we have to

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Speaker 3: sacrifice our shared goal. Sorry, that feels icky. Yeah, So

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Speaker 3: I think it's about just putting the hard word on

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Speaker 3: and being like do you not want to do this?

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Speaker 3: And then I'm sure, and I'm not saying that that's

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Speaker 3: the best way, but like I'm sure it will be

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Speaker 3: a bit of a backtrack. No, no, I do. Okay,

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Speaker 3: well you're not showing me that you do, and like,

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Speaker 3: actions honestly speak a little bit louder than words, and

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Speaker 3: like I'm you know, sick of telling you every single

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Speaker 3: month to transfer to the joint account. So I'm not

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Speaker 3: going to ask you. You need to pull a reminder

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Speaker 3: in your calendar or you need to find a way

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Speaker 3: to do it. If you don't want to automate it,

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Speaker 3: that's fine. Some people do genuinely want to manage their money,

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Speaker 3: you know, by going in and being more hands on.

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Speaker 3: But like, I'm not your mum, No, so get it together,

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Speaker 3: because I shouldn't have to remind you to transfer to

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Speaker 3: the joint account. You should be doing that yourself. So

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Speaker 3: whether that is not automating it but putting a reminder

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Speaker 3: in your calendar, that should be on you, mate. Like,

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Speaker 3: I just feel like sometimes you need to have some

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Speaker 3: hard conversations to make life in the long term a

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Speaker 3: little bit easier. Yeah, I'd love to know what he's spending,

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Speaker 3: like what I need? What are the large sums? I

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Speaker 3: feel like that's an important.

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Speaker 4: Bit of context that we're missing because everything else you're oh, well,

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Speaker 4: it could be tied back to the disparity in the income.

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Speaker 3: Yeah, one hundred percent. Yeah, I've got I'm so curious

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Speaker 3: to know.

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Speaker 1: I will.

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Speaker 3: It's so hard, especially if you're trying to move towards

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Speaker 3: shared goals together like renovations tells me that you probably

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Speaker 3: own a property together, and like, yeah, that would be

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Speaker 3: really rough. Do you have a GUICDM forect? Oh my god,

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Speaker 3: I do. Are you ready? And it's about MLMs? So

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Speaker 3: I can't wait? All right, Hello, she's on the money.

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Speaker 3: I'm in the middle of a family money dilemma and

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Speaker 3: I need your advice. My brother's gotten really into this

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Speaker 3: self development program called Landmark. He's spent thousands already and

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Speaker 3: swears it's changed his life. Now he's pushing the rest

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Speaker 3: of us to join two. The course he wants me

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Speaker 3: to do is one thousand dollars, and he keeps offering

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Speaker 3: to pay half to convince me. But honestly, I've been

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Speaker 3: doing some research online and it's giving MLM vibes. Hard

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Speaker 3: to be honest, my sister al it is lined up,

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Speaker 3: even though I know she can't afford it. She told

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Speaker 3: me she's feeling just too much pressure to say no

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Speaker 3: to him. I feel like they're taking financial advantage of him,

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Speaker 3: and I want to help, but I also want him

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Speaker 3: to stop pressuring me. I just don't know how to

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Speaker 3: say something without making it worse or risking our relationship.

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Speaker 3: That's crazy.

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Speaker 4: I'll be honest, I don't really know much about what

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Speaker 4: Landmark is. Do you anything about that?

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Speaker 3: Ah? So jess Landmark world war much is? Oh? Like,

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Speaker 3: they just get called Landmark more often. It's an American

403
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Speaker 3: employee owned, quote for profit company that uses like self

404
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Speaker 3: development programs as their sales tactics. So they don't sell

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Speaker 3: like a product like you know, mone they sell hair

406
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Speaker 3: care and then you've got arbon and they do like

407
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Speaker 3: skin care and stuff. Landmark is the company behind what's

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Speaker 3: called like Landmark Forum, and it's described as having a

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Speaker 3: lot of similarities to a multi level marketing structure, though

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Speaker 3: it's not officially classified as one. While Landmark relies heavily

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Speaker 3: on like word of mouth marketing through its participants to

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Speaker 3: like recruit new customers, it also emphasizes a really hard

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Speaker 3: sell approach. And this reliance that this company has on

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Speaker 3: referrals and recruitment, coupled with what I would say or

415
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Speaker 3: call like a super intense nature of like the program

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Speaker 3: sales tactics, has led lots of people to compare the

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Speaker 3: to a multi level marketing business. So a lot of

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Speaker 3: people online are saying, first of all, there's no doubt

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Speaker 3: Landmark is not an MLM. But it also, you know,

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Speaker 3: is quite a hard sell kind of situation because people

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Speaker 3: are not making any money for their referrals, but they

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Speaker 3: are being able to sell the product to you, if

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Speaker 3: that makes sense. So lack and it's a life coaching course,

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Speaker 3: is all you said, kind of life coaching vibes course,

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Speaker 3: gets your shit together course. It definitely, from my perspective,

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Speaker 3: praise on people when they are feeling a little bit

427
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Speaker 3: flat or lost a little bit of direction and they're

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Speaker 3: looking for, you know, someone to give them a hand.

429
00:20:41,200 --> 00:20:44,359
Speaker 4: Yeah, okay, Yeah, it's tough that it's your brother who's

430
00:20:44,840 --> 00:20:46,960
Speaker 4: in that situation is trying to unsell it to you.

431
00:20:47,680 --> 00:20:50,040
Speaker 4: I think that you should just be able to say, like, no,

432
00:20:50,160 --> 00:20:53,720
Speaker 4: he's a full sentence, you know, I absolutely agree, they're

433
00:20:53,800 --> 00:20:56,560
Speaker 4: really to me. Should not be much more than that

434
00:20:57,000 --> 00:20:59,159
Speaker 4: it sucks your sister's already signed up and done it,

435
00:20:59,240 --> 00:21:02,199
Speaker 4: Like I get it for your family and friends when

436
00:21:02,240 --> 00:21:03,960
Speaker 4: they're doing something and when they say they've got this

437
00:21:04,080 --> 00:21:07,800
Speaker 4: fantastic thing, maybe flipping it around a little bit and saying, hey,

438
00:21:08,359 --> 00:21:10,440
Speaker 4: I actually don't have the money to do the course

439
00:21:10,720 --> 00:21:12,480
Speaker 4: right now. I feel like that, but I'll pay for

440
00:21:12,520 --> 00:21:16,680
Speaker 4: half chess oh yeah, I just I would just I

441
00:21:17,520 --> 00:21:19,600
Speaker 4: it's hard because I would just say, look, I'm just

442
00:21:19,680 --> 00:21:20,280
Speaker 4: not interested.

443
00:21:20,320 --> 00:21:22,760
Speaker 3: It's just not for me. Thanks, Yeah, I'm just done.

444
00:21:23,000 --> 00:21:26,720
Speaker 3: Like it's giving quasi Ponzi scheme vibes, Like it's just

445
00:21:27,320 --> 00:21:29,399
Speaker 3: I'm not going to say that to my brother at

446
00:21:29,440 --> 00:21:32,560
Speaker 3: that point. But I also think it is I don't know,

447
00:21:32,960 --> 00:21:37,120
Speaker 3: if it cracks like a duck. Yeah, looks like a duck.

448
00:21:37,320 --> 00:21:39,800
Speaker 3: Maybe it's a duck. Yeah, maybe maybe it's an MLM.

449
00:21:40,840 --> 00:21:44,639
Speaker 4: But yeah, I think that if Sometimes I think, honestly,

450
00:21:44,760 --> 00:21:46,439
Speaker 4: kind of like what we're saying before, sometimes a bit

451
00:21:46,520 --> 00:21:49,960
Speaker 4: of harsh truth is what people need. And so maybe

452
00:21:50,040 --> 00:21:52,000
Speaker 4: turning around and saying, hey, like you're making me really

453
00:21:52,119 --> 00:21:54,760
Speaker 4: uncomfortable by trying to pressure me into this, if someone

454
00:21:54,840 --> 00:21:57,240
Speaker 4: said that to me, I would feel truly so terrible.

455
00:21:57,560 --> 00:22:00,200
Speaker 3: You know, yeah, but you're a nice person. And I'm

456
00:22:00,240 --> 00:22:02,879
Speaker 3: not saying that this person's brother is not a nice person,

457
00:22:03,520 --> 00:22:06,760
Speaker 3: but like they are already worried about saying something that

458
00:22:07,000 --> 00:22:09,879
Speaker 3: is going to ruin the relationship, and like, you know,

459
00:22:10,000 --> 00:22:11,680
Speaker 3: if I said to you, hey, jes you're making me

460
00:22:11,720 --> 00:22:14,680
Speaker 3: feel really pressured, you'd be like, what that's on you?

461
00:22:14,920 --> 00:22:16,480
Speaker 3: And then maybe we won't be friends anymore.

462
00:22:16,680 --> 00:22:20,320
Speaker 4: Yeah, either, relationships that fragile, though, is it worth protecting? Like,

463
00:22:20,680 --> 00:22:22,680
Speaker 4: I know that it's family. I don't understand that that's

464
00:22:22,720 --> 00:22:25,840
Speaker 4: a really big and important thing. But at the same time,

465
00:22:26,359 --> 00:22:31,359
Speaker 4: you can't put yourself a detriment, no financially or emotionally,

466
00:22:31,880 --> 00:22:34,040
Speaker 4: for the sake of protecting them either.

467
00:22:34,359 --> 00:22:34,560
Speaker 2: Yeah.

468
00:22:34,640 --> 00:22:37,040
Speaker 3: I just think it is. It is so fair. And

469
00:22:37,119 --> 00:22:39,200
Speaker 3: you said before nol is a full sentence. It is

470
00:22:39,240 --> 00:22:41,080
Speaker 3: so fair to say no, I'm not interested in this.

471
00:22:41,640 --> 00:22:45,480
Speaker 3: But then I feel like you're getting the overwhelming sense

472
00:22:45,640 --> 00:22:48,200
Speaker 3: to like educate your brother on this as well, because

473
00:22:48,240 --> 00:22:51,520
Speaker 3: you're feeling like he's being financially taken advantage of. And

474
00:22:51,600 --> 00:22:54,240
Speaker 3: I think that's where you might want to be able

475
00:22:54,320 --> 00:22:57,040
Speaker 3: to flag it say oh, like I really like and

476
00:22:57,200 --> 00:22:59,440
Speaker 3: maybe this is how I would do it. I looked

477
00:22:59,520 --> 00:23:01,879
Speaker 3: into it. Oh my goodness, did you see all the

478
00:23:02,000 --> 00:23:06,040
Speaker 3: Reddit threads and stuff online? Like even the Wikipedia says

479
00:23:06,160 --> 00:23:09,320
Speaker 3: that it is basically an MLM that takes advantage of

480
00:23:09,400 --> 00:23:12,160
Speaker 3: people like you know, what research did you do before

481
00:23:12,200 --> 00:23:15,040
Speaker 3: you got involved? Like the whole point is to feel

482
00:23:15,080 --> 00:23:17,520
Speaker 3: motivated or get it, but like, what are you genuine

483
00:23:17,560 --> 00:23:21,080
Speaker 3: apart from like loving the content, what else are you

484
00:23:21,160 --> 00:23:23,080
Speaker 3: getting out of it? Like what are they getting out

485
00:23:23,119 --> 00:23:25,480
Speaker 3: of it? And kind of going down that route because

486
00:23:25,840 --> 00:23:28,080
Speaker 3: you don't want to be like you're being taken advantage of,

487
00:23:28,480 --> 00:23:30,879
Speaker 3: because like I know what they're going to say, no,

488
00:23:30,920 --> 00:23:34,120
Speaker 3: we're not, Yeah, okay, have you seen all this stuff online?

489
00:23:34,200 --> 00:23:36,680
Speaker 3: And hopefully that prompts them to maybe do a little

490
00:23:36,720 --> 00:23:39,080
Speaker 3: bit more research or even come back to you and

491
00:23:39,160 --> 00:23:40,879
Speaker 3: say no, and you go, well, I actually did a

492
00:23:41,000 --> 00:23:42,920
Speaker 3: hit more research and it says X, Y and Z,

493
00:23:43,200 --> 00:23:45,399
Speaker 3: And like, I think that could be a good opener

494
00:23:45,520 --> 00:23:49,240
Speaker 3: because a lot of the time it's like I get

495
00:23:49,320 --> 00:23:52,800
Speaker 3: so many messages from people and they're beautiful, smart women,

496
00:23:52,840 --> 00:23:55,600
Speaker 3: and they say, Victora, I'm so embarrassed I got out

497
00:23:55,640 --> 00:23:58,720
Speaker 3: of an MLM. I can't believe I did that. That's

498
00:23:58,800 --> 00:24:03,280
Speaker 3: so embarrassing. Not because you're not smart. These platforms rely

499
00:24:03,600 --> 00:24:07,199
Speaker 3: on smart people who don't know about their background. They

500
00:24:07,280 --> 00:24:12,120
Speaker 3: rely on smart people like you, Jess, who trust who

501
00:24:12,160 --> 00:24:13,880
Speaker 3: are going to go, oh my god, that does sound

502
00:24:14,000 --> 00:24:16,560
Speaker 3: good and I trust the person telling me, so why

503
00:24:16,640 --> 00:24:19,400
Speaker 3: would I take the time to research and deep dive?

504
00:24:19,920 --> 00:24:23,800
Speaker 3: They probably haven't done it and don't understand the negative

505
00:24:23,880 --> 00:24:25,560
Speaker 3: side of it, because it's so easy to see the

506
00:24:25,600 --> 00:24:28,439
Speaker 3: positive when everyone's so happy and there's like course incredible,

507
00:24:29,359 --> 00:24:31,359
Speaker 3: the same thing is happening. I think I'm getting a

508
00:24:31,400 --> 00:24:35,840
Speaker 3: lot of dms recently about these property seminars that are

509
00:24:36,440 --> 00:24:39,800
Speaker 3: verse eight grand crazy and you get to walk away

510
00:24:39,800 --> 00:24:41,959
Speaker 3: at the end of the weekend with one or two

511
00:24:42,040 --> 00:24:45,760
Speaker 3: investment properties off the plan. Those people are making an

512
00:24:45,800 --> 00:24:49,840
Speaker 3: absolute mint from taking advantage of you. If you want

513
00:24:49,880 --> 00:24:52,679
Speaker 3: to get into investment properties, you can learn so much

514
00:24:52,760 --> 00:24:55,600
Speaker 3: for free through my content, through lots of other podcasts,

515
00:24:55,720 --> 00:24:59,960
Speaker 3: content from my books on property, from other people's books

516
00:25:00,080 --> 00:25:01,399
Speaker 3: on property, and then you know what you can do.

517
00:25:01,600 --> 00:25:03,200
Speaker 3: Just you can go talk to a mortgage broker and

518
00:25:03,280 --> 00:25:05,680
Speaker 3: be like, hey, what would this look like? What serviceability

519
00:25:05,760 --> 00:25:08,280
Speaker 3: do I have? Because I promise they're not giving houses

520
00:25:08,359 --> 00:25:10,879
Speaker 3: to people who can't afford them. They're giving houses to

521
00:25:10,960 --> 00:25:14,080
Speaker 3: people who can be lulled into this false sense of

522
00:25:14,160 --> 00:25:17,000
Speaker 3: security to then sell them off the plan properties that

523
00:25:17,040 --> 00:25:20,560
Speaker 3: they're taking a massive clip of. Yeah, it actually kills me.

524
00:25:20,760 --> 00:25:21,440
Speaker 3: It's crazy.

525
00:25:21,720 --> 00:25:23,560
Speaker 4: What did everybody else say? Because I feel like we're

526
00:25:23,640 --> 00:25:25,200
Speaker 4: kind of yeah, we ask in the community.

527
00:25:25,560 --> 00:25:27,639
Speaker 3: So first question we said was what would you do

528
00:25:27,920 --> 00:25:31,320
Speaker 3: if you thought your sibling was being financially taken advantage

529
00:25:31,359 --> 00:25:34,520
Speaker 3: of like this, fifty nine percent of you said, I'll

530
00:25:34,600 --> 00:25:37,840
Speaker 3: just be giving them my opinion truthfully. Twenty one percent

531
00:25:37,880 --> 00:25:42,400
Speaker 3: of you said, we're having a family intervention. I kind

532
00:25:42,440 --> 00:25:44,960
Speaker 3: of rate that honestly, like a big banner, the whole

533
00:25:45,040 --> 00:25:49,000
Speaker 3: shebang full family intervention. And then eighteen percent of you said,

534
00:25:49,240 --> 00:25:52,840
Speaker 3: try and plant the seed gently, and then three percent

535
00:25:52,880 --> 00:25:54,719
Speaker 3: of you said, I'm going to say nothing. They're an

536
00:25:54,720 --> 00:25:57,520
Speaker 3: adult that they can deal with that. I'm all for

537
00:25:57,560 --> 00:25:59,840
Speaker 3: the family intervention. Could you film that and send that

538
00:26:00,119 --> 00:26:02,879
Speaker 3: to us? Just I would like to see that just

539
00:26:02,960 --> 00:26:05,000
Speaker 3: for educational purposes. I feel like maybe if.

540
00:26:04,960 --> 00:26:07,200
Speaker 4: You're confronted with so many people that you'd love to

541
00:26:07,560 --> 00:26:09,760
Speaker 4: all saying to you hate because you know one person

542
00:26:09,800 --> 00:26:11,479
Speaker 4: you can is cooked.

543
00:26:11,520 --> 00:26:14,280
Speaker 3: Have you seen that show in the US called Intervention? Oh,

544
00:26:14,440 --> 00:26:15,400
Speaker 3: it's so good.

545
00:26:15,720 --> 00:26:15,920
Speaker 1: Ah.

546
00:26:16,200 --> 00:26:18,280
Speaker 4: In my mind it would be powerful because it's like, yeah,

547
00:26:18,320 --> 00:26:19,320
Speaker 4: like one person says, oh.

548
00:26:19,240 --> 00:26:21,280
Speaker 3: I think like this isn't great. You're oh, it's just them.

549
00:26:21,640 --> 00:26:25,840
Speaker 3: In my head, an intervention is so dramatic, like they're like, oh, hey, Jess,

550
00:26:25,920 --> 00:26:27,440
Speaker 3: do you want to come to my house for dinner?

551
00:26:27,480 --> 00:26:28,960
Speaker 3: It'll just be you and I and then you walk

552
00:26:29,040 --> 00:26:30,920
Speaker 3: into my house and it's full of all your family

553
00:26:30,960 --> 00:26:32,920
Speaker 3: and friends and they're like, sit down in the chair,

554
00:26:32,960 --> 00:26:34,560
Speaker 3: we're going to tell you to get off the drugs.

555
00:26:34,600 --> 00:26:37,400
Speaker 3: And you're like, my god, I need another wine for this. Yeah,

556
00:26:37,520 --> 00:26:39,560
Speaker 3: that sounds like a lot, but also, don't do it

557
00:26:39,680 --> 00:26:42,399
Speaker 3: like that. But if you do, maybe film it and

558
00:26:42,480 --> 00:26:44,840
Speaker 3: send it to me. I don't know anyway. We also

559
00:26:44,920 --> 00:26:47,560
Speaker 3: ask the community, how would you handle the pressure they

560
00:26:47,560 --> 00:26:50,760
Speaker 3: are putting on you to sign up? Eighty nine percent

561
00:26:50,800 --> 00:26:53,720
Speaker 3: of you said I'd be setting a firm boundary, seven

562
00:26:53,760 --> 00:26:56,760
Speaker 3: percent of you said I'd actually distance myself, five percent

563
00:26:56,840 --> 00:26:59,560
Speaker 3: of you said I'm just changing the subject, and none

564
00:26:59,640 --> 00:27:02,560
Speaker 3: of you so zero percent. But like in terms of

565
00:27:02,640 --> 00:27:05,879
Speaker 3: our statistics, we had so many responses, so some people replied,

566
00:27:05,920 --> 00:27:08,280
Speaker 3: but it wasn't enough to get to one percent of

567
00:27:08,400 --> 00:27:11,440
Speaker 3: this group said say yes just to make it stop.

568
00:27:11,800 --> 00:27:14,440
Speaker 3: Oh no, don't do that. Well, thankfully, it was a

569
00:27:14,560 --> 00:27:17,240
Speaker 3: very very small amount of people. So technically zero percent

570
00:27:17,280 --> 00:27:19,880
Speaker 3: of people said that, but a couple a couple still

571
00:27:19,920 --> 00:27:21,720
Speaker 3: said that eighty nine five and seven.

572
00:27:21,800 --> 00:27:23,760
Speaker 4: I don't know that the math on that is quite now,

573
00:27:23,840 --> 00:27:27,000
Speaker 4: that's what I want that's what Instagram says, right, That's what.

574
00:27:27,160 --> 00:27:31,440
Speaker 3: Our Instagram responses said, So we're just going to go

575
00:27:31,680 --> 00:27:35,520
Speaker 3: with that. Yeah, one percent of you is definitely very

576
00:27:35,640 --> 00:27:39,120
Speaker 3: valid and reliable. Yep. Well, if you're writing a thesis

577
00:27:39,280 --> 00:27:43,760
Speaker 3: or you're doing a PhD, this data is significant. Don't

578
00:27:43,840 --> 00:27:47,119
Speaker 3: use Instagram policy for PhD. We also went to the

579
00:27:47,160 --> 00:27:49,879
Speaker 3: community and said, guys, what's your two cents tell us?

580
00:27:50,280 --> 00:27:54,480
Speaker 3: First person said, careful the intervention doesn't backfire. Had someone

581
00:27:54,560 --> 00:27:57,800
Speaker 3: pull this on me and it still hurts. Oh, that's

582
00:27:57,880 --> 00:27:59,800
Speaker 3: really sad that it didn't work for them. No. Next

583
00:28:00,000 --> 00:28:04,160
Speaker 3: person said, check the company financials. Who's getting paid when where?

584
00:28:04,359 --> 00:28:06,520
Speaker 4: Well, yeah, there's nothing that's going to make you feel

585
00:28:07,000 --> 00:28:09,639
Speaker 4: like a shock of cold water exactly. The people at

586
00:28:09,680 --> 00:28:12,080
Speaker 4: the top of getting millions and millions and you're making

587
00:28:12,160 --> 00:28:14,560
Speaker 4: four dollars and you're still in ten thousand dollars worth

588
00:28:14,600 --> 00:28:17,800
Speaker 4: of debt. Wild Next person said, send them the links

589
00:28:17,800 --> 00:28:21,000
Speaker 4: to She's on the money. I'm just here for Veda's response.

590
00:28:20,640 --> 00:28:24,200
Speaker 3: On this one. The people know you, well, I just

591
00:28:24,320 --> 00:28:27,200
Speaker 3: get a little bit mad. Someone said, it's giving Nexsian

592
00:28:27,320 --> 00:28:30,239
Speaker 3: vibes some good films, books and podcasts on it. Might

593
00:28:30,280 --> 00:28:33,399
Speaker 3: be really helpful for your brother. And then there's a

594
00:28:33,480 --> 00:28:36,080
Speaker 3: three parter. So this three part A. And I'm not

595
00:28:36,200 --> 00:28:39,160
Speaker 3: going to out who they are, but they are somebody

596
00:28:39,400 --> 00:28:46,160
Speaker 3: who is very proactive in the MLM community in terms

597
00:28:46,240 --> 00:28:49,880
Speaker 3: of like exposing what's going on. Yeah, so like I'm

598
00:28:49,920 --> 00:28:52,160
Speaker 3: not saying it to be able to identify them, but

599
00:28:52,240 --> 00:28:55,960
Speaker 3: I do take what they say. They're educated. Yeah, they're

600
00:28:56,080 --> 00:28:59,320
Speaker 3: educated in this like they would know. So first is

601
00:28:59,400 --> 00:29:02,479
Speaker 3: three part. First comment says Landmark is a cult as

602
00:29:02,480 --> 00:29:05,560
Speaker 3: it uses elgats. You have to set a firm boundary

603
00:29:05,680 --> 00:29:09,720
Speaker 3: and distance yourself. Look up what elgats are. They're large

604
00:29:09,760 --> 00:29:14,480
Speaker 3: group awareness trainings to understand how he's literally been brainwashed.

605
00:29:14,800 --> 00:29:19,760
Speaker 3: Landmark Investment never has an end date. Avoid distance yourself

606
00:29:19,840 --> 00:29:26,280
Speaker 3: at all costs. That's scary and the nexum vibes. So next,

607
00:29:26,560 --> 00:29:29,520
Speaker 3: I don't know what a cult in the US, very

608
00:29:29,920 --> 00:29:34,160
Speaker 3: MLM like lots of documentaries on it. Just type in

609
00:29:34,280 --> 00:29:38,040
Speaker 3: neum like documentary to Google. This is the stuff that

610
00:29:38,160 --> 00:29:40,560
Speaker 3: I eat up. Jess, Like, if you come to my

611
00:29:40,640 --> 00:29:42,880
Speaker 3: house on Friday night, we're ordering pizza, but we're also

612
00:29:43,040 --> 00:29:45,120
Speaker 3: watching an MLM or a cult documentary.

613
00:29:45,240 --> 00:29:47,920
Speaker 4: Well, because I feel almost like mlums are like a

614
00:29:48,080 --> 00:29:50,160
Speaker 4: soft cult, right, Like they kind of I feel like

615
00:29:50,200 --> 00:29:52,280
Speaker 4: there's some processes.

616
00:29:51,680 --> 00:29:54,120
Speaker 3: And practices that are maybe mirrored. I think this is

617
00:29:54,160 --> 00:29:56,760
Speaker 3: why I love the Secret Lives of Mormon Wives, because

618
00:29:56,800 --> 00:30:00,840
Speaker 3: the idea of like Mormonism gives to me cult vibes

619
00:30:00,840 --> 00:30:02,760
Speaker 3: as well. I just, oh, do you know what? I

620
00:30:02,840 --> 00:30:05,280
Speaker 3: also need to remind you of the statistic or the

621
00:30:05,480 --> 00:30:08,320
Speaker 3: piece of research that says the people that are drawn

622
00:30:08,400 --> 00:30:12,120
Speaker 3: more to reality TV have a higher IQ at this point,

623
00:30:13,160 --> 00:30:14,720
Speaker 3: very important stuff, hard hitting there.

624
00:30:14,840 --> 00:30:17,920
Speaker 4: But yeah, I think that it's especially knowing that additional

625
00:30:18,000 --> 00:30:20,640
Speaker 4: bit of context from someone who obviously said is in

626
00:30:20,760 --> 00:30:23,360
Speaker 4: the no so to speak. Yeah, that makes me feel

627
00:30:23,440 --> 00:30:26,360
Speaker 4: that perhaps they're right in that all you can do

628
00:30:26,480 --> 00:30:28,680
Speaker 4: is provide them with the right information. But it's really

629
00:30:28,720 --> 00:30:31,200
Speaker 4: important that you don't get sucked down into that too,

630
00:30:31,320 --> 00:30:35,800
Speaker 4: because they're using manipulation and psychological techniques and things too.

631
00:30:36,080 --> 00:30:38,320
Speaker 4: They're using it to take advantage of you full stop

632
00:30:38,480 --> 00:30:40,760
Speaker 4: in the story, which is really scary. Next person and

633
00:30:40,800 --> 00:30:43,240
Speaker 4: I've just got two more for you, said so. Next

634
00:30:43,320 --> 00:30:45,560
Speaker 4: person said, I had an ex in Landmark and it

635
00:30:45,680 --> 00:30:49,120
Speaker 4: was horrendous, A really bad therapy version of an MLM.

636
00:30:49,360 --> 00:30:49,600
Speaker 2: Wow.

637
00:30:50,240 --> 00:30:55,040
Speaker 3: And there someone said, actually was in Landmark. So I've

638
00:30:55,080 --> 00:30:57,520
Speaker 3: been there. I've done that. I lost thousands of dollars.

639
00:30:58,040 --> 00:31:01,320
Speaker 3: If it doesn't ever feel right, don't do it. Don't

640
00:31:01,400 --> 00:31:04,080
Speaker 3: let other people convince you. I'm so glad you got out.

641
00:31:04,520 --> 00:31:07,280
Speaker 3: That's really it's chaos. And I think there's so many

642
00:31:07,360 --> 00:31:10,080
Speaker 3: times people are really embarrassed. They're like, I can't believe

643
00:31:10,120 --> 00:31:12,120
Speaker 3: I did this. It must be because I'm so silly,

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00:31:12,240 --> 00:31:14,520
Speaker 3: or I'm not very smart. No, no, no, you're smart.

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00:31:14,760 --> 00:31:16,920
Speaker 3: That's why you kind of were more likely to buy

646
00:31:17,080 --> 00:31:21,960
Speaker 3: into it, because they make sense well, and you manipulate,

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00:31:22,080 --> 00:31:22,920
Speaker 3: you use fact.

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00:31:23,320 --> 00:31:26,920
Speaker 4: Yeah, and they particularly, I think, to target the types

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00:31:26,960 --> 00:31:30,000
Speaker 4: of people they think will be susceptible, right, And I

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00:31:30,080 --> 00:31:32,320
Speaker 4: think that more often than not, that someone who's really

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00:31:32,400 --> 00:31:35,360
Speaker 4: kind or really empathetic, or someone who's searching for a

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00:31:35,440 --> 00:31:37,960
Speaker 4: way to contribute and make their life better. And they're

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00:31:38,000 --> 00:31:40,360
Speaker 4: taking advantage of people who are trying to do good

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00:31:40,400 --> 00:31:43,360
Speaker 4: for themselves or for the world or for whatever. And yeah,

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00:31:43,400 --> 00:31:47,000
Speaker 4: they're really like ruining that and turning it into something negative.

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00:31:47,040 --> 00:31:47,880
Speaker 4: And that's such a shame.

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00:31:48,000 --> 00:31:50,920
Speaker 3: It genuinely breaks my heart. But I think that's probably

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00:31:51,040 --> 00:31:55,200
Speaker 3: a really good price place to leave it. If you

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00:31:55,400 --> 00:31:58,480
Speaker 3: aren't following Sheets on the Money on your podcasting platform,

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00:31:58,640 --> 00:32:00,480
Speaker 3: I would urge you to do so out because do

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00:32:00,480 --> 00:32:02,560
Speaker 3: you know what it does? It helps more people like

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00:32:02,680 --> 00:32:06,320
Speaker 3: you and I find this podcast and grow our community

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00:32:06,360 --> 00:32:09,880
Speaker 3: of friends. And I guess that's all from us, Miss

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00:32:10,000 --> 00:32:13,800
Speaker 3: Jessicarcci see you've brighten early on Monday morning for money Diary.

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00:32:13,960 --> 00:32:14,440
Speaker 4: Hi, guys.

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00:32:21,000 --> 00:32:23,520
Speaker 3: The advice shared on She's on the Money is general

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00:32:23,600 --> 00:32:27,440
Speaker 3: in nature and does not consider your individual circumstances. She's

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00:32:27,520 --> 00:32:30,920
Speaker 3: on the Money exists purely for educational purposes and should

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00:32:31,000 --> 00:32:34,160
Speaker 3: not be relied upon to make an investment or financial decision.

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00:32:34,560 --> 00:32:37,000
Speaker 3: If you do choose to buy a financial product, read

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00:32:37,040 --> 00:32:41,120
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

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00:32:41,200 --> 00:32:44,440
Speaker 3: your needs. Victoria Divine and She's on the Money are

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00:32:44,520 --> 00:32:49,479
Speaker 3: authorized representatives of Money sheper pty LTD ABN three two

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00:32:49,600 --> 00:32:52,560
Speaker 3: one IS six four nine two seven seven zero eight

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00:32:52,880 --> 00:32:55,440
Speaker 3: AFSL four five one two eight nine.

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Speaker 4: Do you re