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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money. My name's Snatasha Bamblet.

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Speaker 3: I'm a proud First Nations woman and I'm here to

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Speaker 3: acknowledge country. Hello, beautiful friends, we gather on the lands

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Speaker 3: of the Aboriginal people. We thank, acknowledge and respect the

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Speaker 3: Aboriginal people's land that we're gathering on today. Take pleasure

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Speaker 3: in all the land and respect all that you see.

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Speaker 3: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 3: bringing you the tools, knowledge and resources for you to thrive.

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

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Speaker 2: podcast where we discuss all of the issues concerning your

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Speaker 2: wealth goals so that you feel more in control of

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Speaker 2: your financial future. I'm Victoria Devine and right now I'm

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Speaker 2: here to address the elephant in the room that is wealth.

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Speaker 2: When did you first realize where you or a family

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Speaker 2: member stood on the financial ladder. Maybe it was during

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Speaker 2: play lunch at primary school, law Perhaps you were at

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Speaker 2: a birthday party when you saw the kinds of presents

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Speaker 2: other kids were getting. Or maybe, like me, it was

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Speaker 2: the fact that your aunt and uncle always had Coca

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Speaker 2: Cola in their fridge and they had a fancy French

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Speaker 2: door fridge. Ah, no matter what your current relationship with

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Speaker 2: wealth looks like today, some of our earliest ideas of

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Speaker 2: what it means to be quote rich can continue to

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Speaker 2: shape our money stories over time. So today miss Beck

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Speaker 2: SAYEDA and I are going to be discussing some perhaps

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Speaker 2: polarizing ideas about wealth and what it actually means to

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Speaker 2: be rich. So Beck, welcome to our deep dive.

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Speaker 4: Thank you so much for having me. This is a

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Speaker 4: very exciting one. I feel like it's it's so nice

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Speaker 4: to discuss like wealth and rich. I mean, what does

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Speaker 4: it all look like? It depends really and what well.

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Speaker 2: Mean and what's real and what's not exactly right?

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Speaker 4: So where do we begin?

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Speaker 2: Right? I feel like I'm in the driver's seat this time,

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Speaker 2: and it's usually you in jewrying and then you're in

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Speaker 2: the driver's seat. But I want to start. What is

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Speaker 2: your earliest memory of wealth? Like when did you first

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Speaker 2: understand what it meant when you said someone was rich?

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Speaker 4: I just remember my mom always saying that we didn't

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Speaker 4: have money. We didn't like She's like, I can't get

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Speaker 4: that we don't have money, and I didn't really even

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Speaker 4: know what that meant. And I remember I went into

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Speaker 4: a shop once and I had like five dollars and

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Speaker 4: I went to buy something that was very expensive, and

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Speaker 4: my mom was like, you literally can't do that, you

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Speaker 4: don't have money. And I was like, no, I have

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Speaker 4: five dollars, They're going to give me change. And I

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Speaker 4: remember not really understanding the concept obviously of money at all.

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Speaker 4: Oh yeah, yeah, but just thinking like, well, if you

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Speaker 4: have any amount of money ever, then that's fine. But

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Speaker 4: then yeah, as you grew up, you kind of like

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Speaker 4: start realizing what that kind of looks like. And all

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Speaker 4: you know is if you're told you don't have money

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Speaker 4: but this person does, then you don't know what that

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Speaker 4: looks like yet, but you just know that you can't

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Speaker 4: do something that they can. It's all very blurry, fair.

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Speaker 4: It feels like fire. That's annoying, but you also just

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Speaker 4: get used to it. I think after some.

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Speaker 2: Time, indicators and I feel like they were for me,

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Speaker 2: like play lunch, when play lunch, play lunch? Wait, what

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Speaker 2: did you call recess?

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Speaker 3: Yeah?

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Speaker 2: You play lunch or little lunch is what we called

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Speaker 2: it too. Oh, we called it play lunch, play lunch. Cute,

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Speaker 2: You're really lame. No, that's the cutest name for what

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Speaker 2: a Tasmanian thing. Maybe, Oh my god, I've noticed that

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Speaker 2: my friends call it year twelve and year eleven. Yeah,

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Speaker 2: and I always called it grade twelve and grade eleven. True.

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Speaker 2: And I don't know. There's just like little things about like.

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Speaker 4: Totally did you have kindy? We had preschool kindy? You one,

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Speaker 4: you two, et cetera. But I think I don't know

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Speaker 4: about you guys, but you do you have prep?

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Speaker 2: Yeah? We had kindergarten and then you had and we

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Speaker 2: had prep. That's crazy, is it? Yeah, it's crazy.

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Speaker 4: That's all in the same country as well.

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Speaker 2: Oh but like for me play lunch, it was like,

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Speaker 2: I think in like grade one or two, I started

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Speaker 2: to notice that kids had like the Smith's chips yeah yeah,

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Speaker 2: and there's no way we would have purchased Smith's or

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Speaker 2: like the ELCM bus yeah yeah. Yeah. That was bougie. Yeah,

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Speaker 2: and it wasn't health related. So I know that my

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Speaker 2: mom wouldn't let us have roll ups because she was like,

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Speaker 2: they're so bad for your teeth, you're not having them.

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Speaker 2: And it was never about money, but they're like quote

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Speaker 2: at the time, I feel like elsmbar or whatever was

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Speaker 2: a healthy option. It's not just spoiler, but I feel

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Speaker 2: like I just thought that those were the rich kids

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Speaker 2: because they had the fancy holographic foil packaging and yeah,

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Speaker 2: the white at the time, my mom would buy And

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Speaker 2: this is no shade. My mum was just an economic queen.

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Speaker 2: Sure the Biloa do you remember biload They were white

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Speaker 2: with the stripes blue light blue stripes. Yeah, but I

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Speaker 2: had the green stripes if it was chicken flavor, and

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Speaker 2: the pink stripes if it was salt vinegar. They're the

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Speaker 2: ones that I had lutely, and I just remember being like,

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Speaker 2: maybe mine aren't as good as other people's.

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Speaker 4: Yeah, okay, I know what you mean.

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Speaker 2: Maybe they are better than me, but I didn't know

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Speaker 2: why or how. But were there any other things for

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Speaker 2: you growing up that kind of felt like that.

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Speaker 4: It was probably less so in the I guess, like

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Speaker 4: in the playground, and more so like going out and

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Speaker 4: doing things that your friends were doing, and so like

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Speaker 4: you know, if you you know everyone was meeting at

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Speaker 4: the shopping center, it's like maybe your friend has a

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Speaker 4: lot of money to spend on things, and you just

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Speaker 4: you can just tell. It's like almost like a feeling

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Speaker 4: that you can feel is that you can't do something well,

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Speaker 4: like there is some limit to your and at the time,

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Speaker 4: it feels like a limit to a joy. It's like

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Speaker 4: there's a limit here, and so like, yeah, going to

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Speaker 4: the supermarket, or going and meeting friends when you go

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Speaker 4: to the movies, just like clothes, shoes, like all these

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Speaker 4: things that you were just like, I'm not matching them

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Speaker 4: in this way. Yeah, and I would love to. But

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Speaker 4: there's like a it almost feels like a block, Like

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Speaker 4: it's like if you've never had it, you don't know

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Speaker 4: that you're missing out. There is a block there where

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Speaker 4: it's like I don't know what that extra unlocked level

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Speaker 4: looks like. No, and so I don't feel like I'm

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Speaker 4: lacking anything. I just can't see it.

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Speaker 2: I remember the name brand pencil cases were a big

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Speaker 2: deal at school.

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Speaker 4: You would keep your name out of those, always a

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Speaker 4: different I'm thinking, like you cut like your name out

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Speaker 4: of the little cardboard. You'd slide them into the well.

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Speaker 2: We had those, but we also like girls would bring

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Speaker 2: like the Roxy or the Billabong pencil cases from the

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Speaker 2: surf shop. Yeah, they were really cool, cool, they were

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Speaker 2: cool girls. And then the other thing that I'm remembering

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Speaker 2: now is. For some reason, I cared deeply about my

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Speaker 2: school shoes, yeah, and having the name brand school shoes,

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Speaker 2: even though they were just black school shoes. There was

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Speaker 2: nothing to write home about them. Yeah, but I just

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Speaker 2: wanted what everybody else had. And I don't even think

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Speaker 2: it was a bad decision. It wasn't like a rich

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Speaker 2: versus wealthy like my parents couldn't afford it. It was

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Speaker 2: my parents were like, Vitraya, you don't need one hundred

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Speaker 2: and fifty dollars school shoes, like right, these ones are better,

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Speaker 2: they have orthotics, they like they were trying to do

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Speaker 2: the right thing. But all I wanted to do was

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Speaker 2: fit in and have what the other kids had. So

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Speaker 2: I just in my head had this idea that the

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Speaker 2: kids who had the name brand school shoes were better

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Speaker 2: than me. Yeah, And I don't know why, Yeah that

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Speaker 2: even makes any sense, but I remember feeling that quite

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Speaker 2: deeply and being really upset that my mum wouldn't let

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Speaker 2: me have the ones that weren't good for my shoes,

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Speaker 2: for my feet. She'd be like, no, Victoria, if you're

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Speaker 2: gonna wear these every day, like you're gonna have these

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Speaker 2: other ones. And I was just honestly beside myself that

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Speaker 2: I just didn't have what the other girls had for sure.

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Speaker 4: And I guess if it's something that's like, you know,

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Speaker 4: the school uniform, maybe they all look the same, but

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Speaker 4: it's something that's very obviously either it is or it

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Speaker 4: isn't the quote unquote good one, you know.

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Speaker 2: And I feel like that just scratches the surface. So

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Speaker 2: we're going to take a really quick break, but when

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Speaker 2: we get back, we're going to unpack our current understanding

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Speaker 2: of what it actually means to be rich versus what

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Speaker 2: real wealth actually looks like. Welcome back to She's the Money,

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Speaker 2: the podcast that explores the origin of our money stories.

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Speaker 2: We've touched on some of our earliest ideas of what

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Speaker 2: being rich looked like growing up. In some instances, those

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Speaker 2: perceptions weren't valid at all back while in others our

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Speaker 2: ideas of wealth were honestly really exaggerated. Like do you

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Speaker 2: remember the show Richie Rich? Yeah, and that kid who

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Speaker 2: like just was really rich. I thought that was what

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Speaker 2: rich was, right, Obviously, it's like having tennis courts and

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Speaker 2: flying in helicopters and being wildly unrelatable and really rude.

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Speaker 4: Yeah, totally, Like you've got to be a little bit

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Speaker 4: mean if you're rich.

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Speaker 3: Yeah.

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Speaker 2: Yeah, And like from a very young age, it was

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Speaker 2: fed to us that rich was not good. Yeah, like

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Speaker 2: evil dictators and stuff. They were always rich, weren't they. They

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Speaker 2: always had so much money to do evil things and

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Speaker 2: all the good people were just human beings.

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Speaker 4: Yeah, that's so true. Whouys kind of like that.

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Speaker 2: But this narrative that rich isn't good has been fed

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Speaker 2: to us, and I guess we weren't really able when

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Speaker 2: we were younger to grow us what it actually looked

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Speaker 2: like in everyday situations and what this has actually taught

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Speaker 2: us about narrative and what we tell ourselves about rich

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Speaker 2: and what we tell ourselves about money, So our understanding

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Speaker 2: of wealth and what being rich is. I don't think

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Speaker 2: they are the same, and I think that they're very different. So, beck,

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Speaker 2: what today makes someone seem rich or wealthy to you

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Speaker 2: in a here and now in terms.

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Speaker 4: Of like money, it would just be honestly being able

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Speaker 4: to pay for things that without crippling anxiety, like I've

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Speaker 4: got to go get my car serviced and maybe I'll

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Speaker 4: book my current for a service or something like that.

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Speaker 4: It's like, WHOA, you've got your shit together, Like this

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Speaker 4: isn't going to financially ruin you getting your car service

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Speaker 4: right now, You're just going to book it. That's crazy.

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Speaker 4: That for me is like you're doing well, but that's

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Speaker 4: only like in the financial kind of way. Rich obviously

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Speaker 4: has a hot takes on a whole new meaning in

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Speaker 4: so many different ways. It doesn't necessarily just mean money,

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Speaker 4: but for that kind of yeah, it's just like being

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Speaker 4: able to do things that are necessary or even just

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Speaker 4: like luxurious, but main maintenance of yourself and of your

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Speaker 4: life and of the things that you own without any stress.

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Speaker 2: I think, is it like a visual indicator for you

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Speaker 2: or is it more of those like background things like that,

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Speaker 2: hold on, you must be wealthy. You're making these decisions

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Speaker 2: without any thought.

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Speaker 4: Exactly, and that that is the crazy thing, is that

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Speaker 4: like I don't I don't know someone who looks rich

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Speaker 4: like or maybe like maybe Pilate's outfit, because I'm like, oh,

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Speaker 4: you can that's rich. You can afford of earth are subscription?

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Speaker 4: Is that what it's called?

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Speaker 2: I think so membership a membership. Yeah, yeah, they're kind

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Speaker 2: of rich, they're kind of rich.

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Speaker 4: But otherwise I don't see really any visual indicator I

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Speaker 4: feel like.

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Speaker 2: It's so interesting because is it about like your net worth,

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Speaker 2: like how much you have in your bank account, or

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Speaker 2: is it about assets and you know, the things that

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Speaker 2: you have, or is it like luxury and material things?

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Speaker 2: And I just remember so vividly. Yeah, and like I'm

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Speaker 2: just calling myself out here, so like, I am very privileged.

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Speaker 2: I think that now if I laid everything out on

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Speaker 2: the table, everyone in our community would be like, Victoria Devine,

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Speaker 2: you are wealthy. Like I have a very nice roof

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Speaker 2: over my head, I'm able to pay my mortgage, I

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Speaker 2: have a really nice savings account, I have my emergency fund.

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Speaker 2: My husband and I invest like we are comfortable. And

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Speaker 2: you know, it always makes me feel a little bit

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Speaker 2: guilty when I have conversations like this and you're like, wow,

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Speaker 2: you can just book in and get your car service.

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Speaker 2: And I'm like, well, yeah, like I can. What a privilege,

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Speaker 2: Like I'm so lucky, and I'm just I'm grateful that

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Speaker 2: we can have these conversations and be in such different

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Speaker 2: positions and not be like, oh rude, like we just

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Speaker 2: I'm glad that you're where you are, and I'm trying

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Speaker 2: to get you further and like getting you in the

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Speaker 2: best possible position. But I also think that it's not

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Speaker 2: lost on our community that I have worked really hard

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Speaker 2: for this, and I grateful that they see that. And

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Speaker 2: it's not just like, oh, Victoria's rich, what a snob?

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Speaker 2: Like I just can't imagine anything worse, you know, like

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Speaker 2: I can't imagine you going, oh, she's so unrelatable and

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Speaker 2: I go, oh, oh that's awful, Like I want to

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Speaker 2: be No anyway, I just I feel really grateful having

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Speaker 2: these conversations that that turns into guilt for me. And

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Speaker 2: it's I know, such an interesting dynamic because I want

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Speaker 2: to talk about wealth more, but I also don't want

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Speaker 2: people to think that I'm just hear bragging.

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Speaker 4: No, And isn't it funny that you're teaching or like

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Speaker 4: you're you're I want to say, you're teachings like you're

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Speaker 4: like a cult leader, but I would like to be

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Speaker 4: a cult leader.

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Speaker 2: Yes, that is what I've been working towards.

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Speaker 4: Like the end goal is financial freedom. And so isn't

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Speaker 4: it funny when it's like when you get there, you're like,

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Speaker 4: now I feel bad. Now I feel like everyone's going

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Speaker 4: to do Yeah.

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Speaker 2: No, that's what we're trying to get to but also

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Speaker 2: I want this for you. Yeah, exactly, girl. It feels

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Speaker 2: so good.

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Speaker 4: Yeah, it's so nice to.

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Speaker 2: Have a conversation in the morning with my husband and

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Speaker 2: he goes, oh, my, can't need a service, and I

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Speaker 2: go bad book it in totally like we aren't stressed

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Speaker 2: about that because we know that our money is sitting

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Speaker 2: there ready for those conversations and ready for those things.

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Speaker 4: It's not a stress.

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Speaker 2: Like what a privilege it is to not have to

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Speaker 2: sit down with my husband and go, Okay, cool, we

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Speaker 2: need to do this and this, and I just don't

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Speaker 2: know how we're going to get that to work. Yeah,

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Speaker 2: like at the moment, that's not where we're at. We've

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Speaker 2: been there, it's been stressful, but like, to me, it's

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Speaker 2: such a privilege. Anyway, let's move on from that, because

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Speaker 2: I can feel like it's not as productive. But for me, historically,

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Speaker 2: when I first kind of came into money, you could say,

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Speaker 2: when my businesses started, you know, producing enough profit that

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Speaker 2: I wasn't just scraping by anymore. Like once I and

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Speaker 2: this was not that long ago, Like, it's not like

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Speaker 2: I've been in this situation for more than ten years.

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Speaker 2: I haven't. I haven't even been in this situation for

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Speaker 2: five right, But I just thought that designer goods, that's

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Speaker 2: what I should be spending my money on, right, Like

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Speaker 2: I want a Louis Vaton bag, I want a Krtier bracelet,

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Speaker 2: I want all of that. Going myself out sitting here

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Speaker 2: wearing a bloody Cardier breas hell, I get it, But

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Speaker 2: I just I remember those things to me were so

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Speaker 2: much about achievement, like, oh, she's wearing that, she must

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Speaker 2: have done some really cool things, or she must have

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Speaker 2: achieved this and done that. And now I just I

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Speaker 2: could not care less, Like I cannot think of anything

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Speaker 2: worse than somebody having the Cartier bracelet or having the

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Speaker 2: really expensive handbag and not having an emergency fund. My queen,

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Speaker 2: what are you doing? Like your vision changes? And it

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Speaker 2: just what's driving this, Like it's the idea of colonization

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Speaker 2: coming into capitalism, and I just it frustrates me because

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Speaker 2: I just why do we have to live in such

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Speaker 2: a capitalist society where the perceived indicators are not the

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Speaker 2: same as the actual ones. But we see these people

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Speaker 2: running around with heaps of debt and really nice cars

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Speaker 2: and really nice everything, and we think that's success. Whereas

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Speaker 2: the people who are driving the old bomb of a car,

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Speaker 2: who are like I don't need anything else and have

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Speaker 2: financial freedom in the background, they're the ones that are

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Speaker 2: really living. Yeah, yeah, totally, Like that's a slay to me.

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Speaker 2: Whereas the stuff take it or leave it, like it

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Speaker 2: doesn't actually make you happier. And if you're always looking

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Speaker 2: for the next thing to purchase, what you're telling me

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Speaker 2: is that you're just not happy with what you already

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Speaker 2: have at home exactly right, Like, and how can you

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Speaker 2: be grateful for the next thing if you're not even

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Speaker 2: grateful for what you already have?

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Speaker 4: Yeah, if you're always like, oh, I need to be here,

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Speaker 4: I need to like you're just like constantly looking forward

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Speaker 4: and you never you're never living your current life. You're right, ever,

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Speaker 4: be really here, do you know what I mean? Like

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Speaker 4: you're just like when I get there, When I get there,

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Speaker 4: I'm going to start living. It's like, okay, but you

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Speaker 4: so so far you haven't lived and you how long

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Speaker 4: have you been here? Do you know what I mean?

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Speaker 4: It's like you got to start living now, yeah, And it's.

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Speaker 2: Like, I don't know it's even now I have children.

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Speaker 2: This conversation of like public versus private education. Am I

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Speaker 2: kids it under tooth, so like this is not a

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Speaker 2: conversation that I need to have. But it turns out

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Speaker 2: when I was asked at, I just had like a

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Speaker 2: mother's group catch up with like a group of mums

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Speaker 2: that I met, not my actual mother's group, and they

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Speaker 2: were like, oh, what schools have you got Hovey done for?

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Speaker 4: I was like, what, hot so early?

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Speaker 2: And they're like, yeah, like you put them down when

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Speaker 2: they're born. And I was like oh what and they're like, oh,

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Speaker 2: you haven't done any schools And I was like no,

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Speaker 2: I thought you just picked when you were meant to

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Speaker 2: send them to school. Like to me, that was a

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Speaker 2: wealth versus like not wealthy indicator because I was like, oh,

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Speaker 2: that's not how I grew up, Like I went to

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Speaker 2: public school and like we just went to the school

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Speaker 2: where we were And I remember it was a whole

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Speaker 2: thing when I was in grade six, Mom and dad

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Speaker 2: trying to get me into the like the local Catholic

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Speaker 2: school because like it was a better educational opportunity and

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Speaker 2: like I had to see if I got in or not,

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Speaker 2: and I did, thankfully, But like that was you know

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Speaker 2: when we were talking about it, Yeah, I didn't know

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Speaker 2: that you were meant to put yourself down, all your

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Speaker 2: kids down, for your private education. And then it got

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Speaker 2: me thinking. I went home and I said to my husband, Hey,

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Speaker 2: did you know? And he was like yeah, oh, like

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Speaker 2: wait what He's like, yeah, we really should be talking

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Speaker 2: and thinking about this, and I was like, should we? Like?

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Speaker 2: And then it opened this whole conversation about private versus

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Speaker 2: public education and you know, what I want for my

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Speaker 2: kids versus what my husband wants my kids, and think, God,

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Speaker 2: we're on the same page about that, but just do

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Speaker 2: we want them to go to a private school?

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Speaker 3: Yeah?

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Speaker 4: Yeah, yeah, beyond.

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Speaker 2: The education because again privilege. I live in an area

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Speaker 2: where the public schools are really well regarded. Yeah, what's

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Speaker 2: the difference between sending my kid to a public school

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Speaker 2: versus a private school? Is that private school going to

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Speaker 2: give a superior education or is it just going to

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Speaker 2: surround him with more wealthy people? And is that what

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Speaker 2: I want his life to look like? Is that the

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Speaker 2: social circles I want him to keep? Do I?

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Speaker 4: I don't know, I totally agree I'm going to because that's.

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Speaker 2: Not the social circles I keep like most of the people,

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Speaker 2: and that's not a bad thing. It's not a good thing.

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Speaker 2: I don't care that, Like, I just look at it

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Speaker 2: and go some of our best friends are in trades.

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Speaker 2: Some of our best friends you know, or went to

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Speaker 2: public school. It's just they're not the circles I have.

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Speaker 2: And you might have gone to a private school and

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Speaker 2: have an incredible circle of friends. But I'm really seeing

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Speaker 2: that divide at the moment between my experience and my

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Speaker 2: husband's experience, who did go to a private school and

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Speaker 2: has like more wealthy friendship circles, and like just it's

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Speaker 2: different to what I.

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Speaker 4: Have for sure, And I think that like it definitely

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Speaker 4: builds some sort of like you start understanding that your

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Speaker 4: experience is not the sole experience. Ye, it is very

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Speaker 4: valuable and it doesn't matter like if your experience is

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Speaker 4: good or bad or anything between. It's like just just

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Speaker 4: even knowing that you have lived a life that is

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Speaker 4: not exactly the same as everyone else, and some people

390
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Speaker 4: might have worse lives and some people might have better lives,

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Speaker 4: and just like knowing that is really important. Yeah, So

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Speaker 4: I think that I back that. I back that completely.

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Speaker 2: But it's a hard conversation to have because you're, like

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Speaker 2: I want to do the best for my kid. But

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Speaker 2: what is is it rich? Like is it the rich

396
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Speaker 2: decision of being like, yeah, cool, we're going to send

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Speaker 2: them to private school or I don't know. I've had

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Speaker 2: a friend recently pull their kid out of private school

399
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Speaker 2: to send them to public school because they were like, Victoria,

400
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Speaker 2: I just wanted more community, and I feel like the

401
00:19:16,359 --> 00:19:18,840
Speaker 2: private education system doesn't lean into that in the same

402
00:19:18,840 --> 00:19:21,240
Speaker 2: way that the public education system does. Like she's like,

403
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Speaker 2: I'm here for the sausage sizzles, I'm here for the fundraisers.

404
00:19:24,160 --> 00:19:25,440
Speaker 2: I'm here for all of that, and I want my

405
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Speaker 2: kids to see that and they don't see it in

406
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Speaker 2: the school that they were in. Like, Okay, that's really

407
00:19:31,040 --> 00:19:35,760
Speaker 2: important for me too, for sure. Hard decisions, right Anyway, Beck,

408
00:19:35,880 --> 00:19:38,480
Speaker 2: we have covered I think our earliest memories and what

409
00:19:38,520 --> 00:19:41,400
Speaker 2: we've been chatting about, and I guess some mixed perceptions

410
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Speaker 2: on what wealth actually looks like. But I feel like

411
00:19:43,440 --> 00:19:45,359
Speaker 2: there's so much more to it, and I want to

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Speaker 2: bring in a little bit more structure. So when we

413
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Speaker 2: return from our break, we're going to dive straight into

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Speaker 2: some social stigmas. All right, you are here just in time,

415
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Speaker 2: my friend for the juicy part beck who's a lo

416
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Speaker 2: to be rich?

417
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Speaker 4: Who's allowed to be rich?

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Speaker 2: And do we actually have a problem with rich people

419
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Speaker 2: or do we have a problem with elitism?

420
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Speaker 4: Oh my goodness, that's a really good question because it's

421
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Speaker 4: like everyone's alwed to be rich, and I think yes,

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Speaker 4: it does feel different when it's like comes from someone

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Speaker 4: who has been brought up rich. Maybe they're a Nepo

424
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Speaker 4: baborn with a silver spoon.

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Speaker 2: Yeah, there's so many like that's fine, like fine, fine,

426
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Speaker 2: But like as a society, I feel like we deem

427
00:20:29,240 --> 00:20:31,879
Speaker 2: some people allowed to be rich and other people not.

428
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Speaker 2: And I'm finding that the defining factor between those two

429
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Speaker 2: things is elitism. Yes, yes, true, it's okay if we

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Speaker 2: say that they're self made. It's not okay when it's

431
00:20:40,640 --> 00:20:42,840
Speaker 2: elon musk right, right, do you know what I mean?

432
00:20:42,880 --> 00:20:45,280
Speaker 2: Like you're like, oh no, like the rich get richer.

433
00:20:45,680 --> 00:20:51,000
Speaker 2: And there seems to be more negative connotations associated with

434
00:20:51,119 --> 00:20:53,920
Speaker 2: one term or the other, Like why is it much

435
00:20:53,960 --> 00:20:58,159
Speaker 2: more socially acceptable to be perceived as wealthy than to

436
00:20:58,200 --> 00:21:00,520
Speaker 2: be perceived as rich? Like earlier in the episode, I

437
00:21:00,560 --> 00:21:03,960
Speaker 2: said to you, if I laid everything out and showed

438
00:21:03,960 --> 00:21:06,639
Speaker 2: you my entire financial like life, you would say that

439
00:21:06,680 --> 00:21:09,360
Speaker 2: I'm wealthy. Why didn't I say that? You would say

440
00:21:09,359 --> 00:21:10,360
Speaker 2: I'm rich? Right?

441
00:21:10,480 --> 00:21:13,439
Speaker 4: True? Yeah, because I guess like rich has this idea

442
00:21:13,480 --> 00:21:17,080
Speaker 4: that like they're on yachts and they're like flying, they're

443
00:21:17,119 --> 00:21:20,600
Speaker 4: like absolutely destroying the earth with all of their like

444
00:21:21,640 --> 00:21:22,600
Speaker 4: bits and bombs.

445
00:21:22,680 --> 00:21:28,640
Speaker 2: Yeah, but then I don't know somebody doing something social

446
00:21:28,880 --> 00:21:31,800
Speaker 2: and something for the environment if they got rich. You're like, yeah,

447
00:21:31,880 --> 00:21:35,160
Speaker 2: pop off, that's so like David Attenbrough incredibly rich.

448
00:21:35,480 --> 00:21:37,480
Speaker 4: Yes he should be as he should be.

449
00:21:37,600 --> 00:21:40,159
Speaker 2: That's so true exactly, But you would call him wealthy,

450
00:21:40,160 --> 00:21:43,120
Speaker 2: wouldn't you, elong Musk, Is he wealthy or rich?

451
00:21:43,520 --> 00:21:46,320
Speaker 4: That's true, he's rich, right, Maybe it depends how much

452
00:21:46,320 --> 00:21:47,760
Speaker 4: you're destroying the planet.

453
00:21:48,200 --> 00:21:51,600
Speaker 2: Yeah yeah. But then there's just like layers of like

454
00:21:51,920 --> 00:21:57,840
Speaker 2: honestly elitism and like true audacity and ego and you know,

455
00:21:58,400 --> 00:22:00,520
Speaker 2: like I guess the question is how do the ways

456
00:22:00,520 --> 00:22:04,240
Speaker 2: that we acquire wealth affect our perceptions? Like is it

457
00:22:04,720 --> 00:22:08,600
Speaker 2: good when it's like a tech startup, right? Maybe not,

458
00:22:08,720 --> 00:22:10,600
Speaker 2: But it seems to be good when it's a blue

459
00:22:10,600 --> 00:22:13,560
Speaker 2: collar job, like when it's a trades person and they've

460
00:22:13,560 --> 00:22:16,080
Speaker 2: worked hard and it's physical lay But like this idea

461
00:22:16,160 --> 00:22:19,040
Speaker 2: that you know a guy who built a building company

462
00:22:19,200 --> 00:22:23,240
Speaker 2: and got really wealthy. Yes, lay, is it okay for

463
00:22:23,359 --> 00:22:24,960
Speaker 2: politicians to have a lot of money?

464
00:22:25,880 --> 00:22:29,479
Speaker 4: God, it really depends, right, Yeah, I know what you mean.

465
00:22:29,600 --> 00:22:31,919
Speaker 2: Right, And you go, oh, hold on, there is a

466
00:22:32,000 --> 00:22:34,720
Speaker 2: divide between who's quote allowed to be rich in our

467
00:22:34,880 --> 00:22:40,200
Speaker 2: mind versus not, And that's wild like trades people versus academics.

468
00:22:40,240 --> 00:22:43,280
Speaker 2: Like you go, oh, well one worked really hard.

469
00:22:43,600 --> 00:22:45,720
Speaker 4: Oh my god, that's so true. And it's like, well,

470
00:22:46,200 --> 00:22:50,440
Speaker 4: using your brain to build an app, for example, isn't

471
00:22:50,440 --> 00:22:54,160
Speaker 4: It would be extremely hard work. But you can't see

472
00:22:54,200 --> 00:22:57,560
Speaker 4: like this physical kind of you know, callouses on your hand.

473
00:22:57,600 --> 00:22:57,800
Speaker 3: Yeah.

474
00:22:57,800 --> 00:22:59,480
Speaker 2: I was about to say, but you've got soft hands.

475
00:23:00,080 --> 00:23:03,320
Speaker 4: Yeah, But like that's also equally that's that's very very hard.

476
00:23:03,520 --> 00:23:06,639
Speaker 2: Yeah. And then like the overlay of like marriages and

477
00:23:06,720 --> 00:23:10,320
Speaker 2: inheritances and family trust and like having trust fun kids.

478
00:23:10,359 --> 00:23:13,520
Speaker 2: You go, oh no, yeah, but like that's not the reality.

479
00:23:13,560 --> 00:23:16,520
Speaker 2: And please don't get me wrong. I have in my

480
00:23:16,960 --> 00:23:21,000
Speaker 2: lifetime had the privilege of working with some ultimately wealthy people,

481
00:23:21,200 --> 00:23:24,240
Speaker 2: Like literally I've had billionaires that I have worked with

482
00:23:24,359 --> 00:23:27,359
Speaker 2: and helped manage their portfolios. Yeah, never on my own

483
00:23:27,560 --> 00:23:30,320
Speaker 2: like not going to take that. But I have worked

484
00:23:30,320 --> 00:23:34,040
Speaker 2: with people who are trust fun kids. Sure, and there

485
00:23:34,119 --> 00:23:37,320
Speaker 2: is this I don't know, trust fund kid. Immediately you

486
00:23:37,440 --> 00:23:40,320
Speaker 2: think richie rich. Yeah, you know that show that we're

487
00:23:40,359 --> 00:23:45,639
Speaker 2: talking about before. Yeah, that's not true. Like the trust

488
00:23:45,680 --> 00:23:47,679
Speaker 2: fund kids that I've experienced, some of them have been

489
00:23:47,720 --> 00:23:50,400
Speaker 2: wildly out of touch, wildly and it makes me want

490
00:23:50,400 --> 00:23:52,239
Speaker 2: to pull my hair out and scream at them at

491
00:23:52,240 --> 00:23:55,879
Speaker 2: their family constitution meetings and just like absolutely not. But

492
00:23:56,000 --> 00:23:59,800
Speaker 2: some of them have been some of the most kind

493
00:24:00,280 --> 00:24:03,680
Speaker 2: people I've ever met. They've got the best emotional intelligence

494
00:24:03,720 --> 00:24:06,199
Speaker 2: of some Like it's just it's wild because they go

495
00:24:06,320 --> 00:24:10,600
Speaker 2: against every single stereotype. And then beck is it if

496
00:24:10,640 --> 00:24:15,040
Speaker 2: I say crypto, yeah, you made your money there, you're rich?

497
00:24:15,080 --> 00:24:15,720
Speaker 2: Are you wealthy?

498
00:24:15,960 --> 00:24:18,240
Speaker 4: You're rich? Yeah that's true.

499
00:24:18,240 --> 00:24:20,800
Speaker 2: What about like day trading a lot of winning, Yeah

500
00:24:20,800 --> 00:24:21,320
Speaker 2: that's rich.

501
00:24:21,640 --> 00:24:22,240
Speaker 4: That's rich.

502
00:24:22,680 --> 00:24:24,680
Speaker 2: If you like made money gambling.

503
00:24:24,280 --> 00:24:28,560
Speaker 4: Gambling, I would say rich too, Yeah. Yeah. Why I

504
00:24:28,600 --> 00:24:31,560
Speaker 4: think it's I think it's must be this thing of

505
00:24:31,640 --> 00:24:34,960
Speaker 4: like and it does go back to privilege, and I

506
00:24:35,000 --> 00:24:37,119
Speaker 4: want to say, like privileges not like it doesn't mean

507
00:24:37,200 --> 00:24:38,720
Speaker 4: you have not had a hard life. It means that

508
00:24:38,720 --> 00:24:41,040
Speaker 4: there are aspects of your identity or aspects of your life,

509
00:24:41,160 --> 00:24:46,639
Speaker 4: or aspects of whatever that have made it harder to

510
00:24:46,880 --> 00:24:49,520
Speaker 4: get where you are or to get to where you

511
00:24:49,520 --> 00:24:51,679
Speaker 4: want to go. And so I feel like it's this

512
00:24:51,800 --> 00:24:55,520
Speaker 4: acknowledgment of of like, hey, I got here quote unquote

513
00:24:55,560 --> 00:24:59,240
Speaker 4: the easy way, and I know it's not that easy

514
00:24:59,240 --> 00:25:02,240
Speaker 4: for other people, and so like if you don't, if

515
00:25:02,280 --> 00:25:03,880
Speaker 4: you're just a bit out of touch, then you are rich.

516
00:25:03,920 --> 00:25:06,199
Speaker 4: I feel like you're like, oh, it's so easy, you

517
00:25:06,240 --> 00:25:10,000
Speaker 4: just got an xoz and not acknowledging anything that other

518
00:25:10,040 --> 00:25:13,280
Speaker 4: people have different experiences, different journeys. Yeah, I think is

519
00:25:13,359 --> 00:25:14,480
Speaker 4: what rich is.

520
00:25:14,880 --> 00:25:17,600
Speaker 2: And then it's like this question that I have does

521
00:25:18,040 --> 00:25:21,080
Speaker 2: having more money mean that you should be spending more ethically?

522
00:25:21,640 --> 00:25:24,680
Speaker 2: Like why am? You know? And like I know why,

523
00:25:24,800 --> 00:25:27,680
Speaker 2: but like why do we hear about billionaires who aren't

524
00:25:27,680 --> 00:25:33,440
Speaker 2: spending ethically? Like why is that pressure being put on us?

525
00:25:33,480 --> 00:25:35,000
Speaker 2: And like why is that a narrative?

526
00:25:35,320 --> 00:25:35,639
Speaker 4: Sure?

527
00:25:35,760 --> 00:25:38,560
Speaker 2: And like are you allowed to steal shop at kmart

528
00:25:39,000 --> 00:25:42,440
Speaker 2: if you're above a certain net wealth? Like waste the line? Yeah?

529
00:25:42,440 --> 00:25:45,239
Speaker 2: I see God, this is really like I say that

530
00:25:45,320 --> 00:25:49,159
Speaker 2: specifically because I remember last year, like before I was

531
00:25:49,200 --> 00:25:51,800
Speaker 2: pregnant with Cami, I had a favorite pair of jeans

532
00:25:51,840 --> 00:25:53,399
Speaker 2: and I still have them. I don't fit in them,

533
00:25:53,600 --> 00:25:55,800
Speaker 2: no shade to those genes, but I did have a baby.

534
00:25:56,440 --> 00:25:58,560
Speaker 2: It's still my favorite. I'm holding them close. I would

535
00:25:58,600 --> 00:26:01,480
Speaker 2: like to fit back into them. They're fifteen dollars. They're

536
00:26:01,480 --> 00:26:04,520
Speaker 2: the mum Jean from Kmart. Just got anybody flying around

537
00:26:04,600 --> 00:26:06,480
Speaker 2: who might also want a really good pair of gees.

538
00:26:06,560 --> 00:26:10,159
Speaker 2: They just cut perfectly and like, as everybody complimented me,

539
00:26:10,359 --> 00:26:13,280
Speaker 2: including you, the bum looks great in them. Hell yeah,

540
00:26:13,359 --> 00:26:16,800
Speaker 2: I love them. But I remember posting like a selfie

541
00:26:16,880 --> 00:26:19,120
Speaker 2: on Instagram just on my stories. The amount of people

542
00:26:19,160 --> 00:26:21,159
Speaker 2: that were replying and they're like, hey, where are your

543
00:26:21,200 --> 00:26:23,520
Speaker 2: Jeanes from there? Phenomenal? And I was like, great, they're

544
00:26:23,560 --> 00:26:26,280
Speaker 2: just Camart And people are like, oh wow, that's crazy,

545
00:26:26,359 --> 00:26:28,320
Speaker 2: Victoria Devine shopping at Kmart.

546
00:26:28,560 --> 00:26:29,240
Speaker 4: You're allowed.

547
00:26:29,640 --> 00:26:32,480
Speaker 2: I didn't even think the bar was that low, Like,

548
00:26:33,000 --> 00:26:34,880
Speaker 2: what do you mean I love a cam up bargain.

549
00:26:34,920 --> 00:26:37,479
Speaker 2: Oh yeah, but I think that there was, you know,

550
00:26:37,520 --> 00:26:39,879
Speaker 2: maybe for newer followers or people who haven't followed my

551
00:26:39,880 --> 00:26:41,960
Speaker 2: whole journey, they were like, oh yeah, she's like got

552
00:26:41,960 --> 00:26:45,200
Speaker 2: a bit of wealth, like she doesn't shop at Kmart.

553
00:26:45,680 --> 00:26:47,560
Speaker 2: And then I remember one of the comments, and this

554
00:26:47,600 --> 00:26:50,240
Speaker 2: is why I brought it up. They asked me where

555
00:26:50,280 --> 00:26:52,520
Speaker 2: a jeans were from. I said they were from Kmart.

556
00:26:52,560 --> 00:26:54,640
Speaker 2: She was like, that's incredible. I didn't think you'd shop

557
00:26:54,680 --> 00:26:58,240
Speaker 2: at Kmart. I thought you would be more ethical than that. Oh,

558
00:26:58,320 --> 00:27:01,680
Speaker 2: And I remember being like, oh, oh, oh, I see,

559
00:27:01,880 --> 00:27:05,520
Speaker 2: like good point, because I could point I can afford

560
00:27:05,640 --> 00:27:08,240
Speaker 2: a more expensive pair of jeans. But I don't know.

561
00:27:08,280 --> 00:27:10,360
Speaker 2: I just really liked them, and I love a Kmart

562
00:27:10,440 --> 00:27:13,320
Speaker 2: shopping trip. And I don't think if they'd asked any

563
00:27:13,320 --> 00:27:17,600
Speaker 2: one of their girlfriends like that, maybe they saw on

564
00:27:17,640 --> 00:27:19,680
Speaker 2: the same level as them. I don't think if they'd

565
00:27:19,680 --> 00:27:22,440
Speaker 2: been like, oh, hey, Beck, for example, where Egene's from

566
00:27:22,440 --> 00:27:24,160
Speaker 2: you said came out, they'd be like, oh, pop off, queen.

567
00:27:24,720 --> 00:27:28,160
Speaker 2: But then I got the shade for having purchased something

568
00:27:28,200 --> 00:27:29,800
Speaker 2: that could be deemed not as ethical.

569
00:27:30,000 --> 00:27:32,320
Speaker 4: I see, I can see that. I can definitely see

570
00:27:32,320 --> 00:27:35,719
Speaker 4: that that argument. I didn't. I really hadn't thought about that.

571
00:27:35,800 --> 00:27:39,280
Speaker 4: But I guess if you were like, we're very shielded here,

572
00:27:39,400 --> 00:27:41,600
Speaker 4: and it's it's like we do have the luxury of

573
00:27:43,080 --> 00:27:47,119
Speaker 4: ignoring where our clothes come from, because the second the

574
00:27:47,840 --> 00:27:50,520
Speaker 4: topic changes, we're back in our own reality. We're not

575
00:27:50,800 --> 00:27:53,640
Speaker 4: in a sweatshop right now, seeing it. I think if

576
00:27:53,640 --> 00:27:56,119
Speaker 4: we were, so, I think that it's like, yes, we

577
00:27:56,240 --> 00:27:59,280
Speaker 4: all have a responsibility to educate ourselves on where things

578
00:27:59,280 --> 00:28:01,040
Speaker 4: come from and things like that. But I think that

579
00:28:01,720 --> 00:28:03,800
Speaker 4: it really is a tricky one. I can understand the

580
00:28:03,840 --> 00:28:05,879
Speaker 4: argument for sure, like if you can afford to be

581
00:28:05,960 --> 00:28:06,960
Speaker 4: more ethical.

582
00:28:07,680 --> 00:28:12,439
Speaker 2: Yes, but then also, why do I have to? So,

583
00:28:12,480 --> 00:28:14,440
Speaker 2: don't get me wrong, I get it, and I think

584
00:28:14,640 --> 00:28:17,240
Speaker 2: it was something that I went, oh, that's a really

585
00:28:17,240 --> 00:28:19,520
Speaker 2: good point. I didn't like it at the time, like

586
00:28:19,640 --> 00:28:23,880
Speaker 2: I responded, oh, okay, thanks, like I didn't do anything

587
00:28:23,920 --> 00:28:26,440
Speaker 2: about it. But I really stewed on that for a while,

588
00:28:26,480 --> 00:28:29,880
Speaker 2: like I sure. I was like damn, Like she's right,

589
00:28:30,160 --> 00:28:32,960
Speaker 2: Like I should be being more ethical, and like I'm

590
00:28:33,280 --> 00:28:35,040
Speaker 2: I don't know. I'm the type of person that keeps

591
00:28:35,080 --> 00:28:36,920
Speaker 2: something in my wardrobe for ten plus years and I

592
00:28:37,000 --> 00:28:39,520
Speaker 2: keep wearing it totally. And there are some things from

593
00:28:39,560 --> 00:28:41,600
Speaker 2: came out in my wardrobe still from ten years ago.

594
00:28:41,720 --> 00:28:44,560
Speaker 2: You pry them from my cold dead hands. I love them. Yeah,

595
00:28:44,760 --> 00:28:48,040
Speaker 2: but moving forward, I should be making more ethical decisions

596
00:28:48,240 --> 00:28:51,040
Speaker 2: and I should be doing these things. But to me,

597
00:28:51,160 --> 00:28:54,880
Speaker 2: that's then a wealthy mindset. That's not a rich mindset

598
00:28:54,920 --> 00:28:57,720
Speaker 2: because rich people are frivolous and they don't care. Yes,

599
00:28:58,440 --> 00:29:00,440
Speaker 2: and that's me then stereotpe, I think it.

600
00:29:00,520 --> 00:29:03,880
Speaker 4: Again, right right right? Yes? Absolutely? But no does it?

601
00:29:03,960 --> 00:29:04,120
Speaker 3: Yeah?

602
00:29:04,120 --> 00:29:05,760
Speaker 4: Does that mean you're not allowed to go into two

603
00:29:05,800 --> 00:29:08,000
Speaker 4: dollar shops? You know a lot of like to what ends?

604
00:29:08,040 --> 00:29:08,720
Speaker 4: Do you know what I mean?

605
00:29:09,080 --> 00:29:10,280
Speaker 2: Like and where's the line?

606
00:29:10,440 --> 00:29:10,640
Speaker 3: Yeah?

607
00:29:10,800 --> 00:29:15,200
Speaker 2: I think you know, there's this conversation of the ethics

608
00:29:15,240 --> 00:29:18,800
Speaker 2: of buying luxury items, like then do I buy luxury items?

609
00:29:18,840 --> 00:29:21,760
Speaker 2: And then people will be quite happy with that? But

610
00:29:22,520 --> 00:29:25,440
Speaker 2: what if they're made in poor working conditions like you

611
00:29:25,520 --> 00:29:27,760
Speaker 2: mentioned before, Like, oh well, what if it was made

612
00:29:27,800 --> 00:29:31,600
Speaker 2: in a sweatshop? How do we know what our sourcing

613
00:29:32,840 --> 00:29:35,840
Speaker 2: journey has been and what that looks like for sure?

614
00:29:36,120 --> 00:29:40,880
Speaker 2: How do you know how do you benchmarkt what's the expectation? Like,

615
00:29:41,880 --> 00:29:44,880
Speaker 2: I just I feel like there's a lot Yeah, absolutely,

616
00:29:44,920 --> 00:29:50,120
Speaker 2: So do you think this perception of like rich versus wealthy?

617
00:29:50,160 --> 00:29:52,120
Speaker 2: And like, to me, this is more of an episode

618
00:29:52,120 --> 00:29:56,400
Speaker 2: that's kind of like a conversation start up. I think

619
00:29:56,440 --> 00:29:58,560
Speaker 2: that we have a lot more work to do in

620
00:29:58,600 --> 00:30:03,680
Speaker 2: this space of understand what these things mean. Because my

621
00:30:03,800 --> 00:30:07,040
Speaker 2: money story is such that rich equals bad. And I'm

622
00:30:07,080 --> 00:30:09,720
Speaker 2: not saying it's it's a bad thing now because I'm obviously,

623
00:30:09,760 --> 00:30:12,520
Speaker 2: like quite reflective of it. I'm on a podcast talking

624
00:30:12,560 --> 00:30:16,960
Speaker 2: about it. But I look at it and I think, Okay,

625
00:30:17,000 --> 00:30:19,320
Speaker 2: but why do I feel that way? What is this

626
00:30:19,520 --> 00:30:23,400
Speaker 2: like rich is bad? Like I don't I would be upset.

627
00:30:23,560 --> 00:30:25,600
Speaker 2: I don't know. I don't want to be categorized as that.

628
00:30:25,680 --> 00:30:27,560
Speaker 2: But then I also want to create wealth because I

629
00:30:27,600 --> 00:30:30,000
Speaker 2: want to be able to, you know, show people that

630
00:30:30,040 --> 00:30:33,680
Speaker 2: it's completely possible to be completely self made and to go, hey,

631
00:30:33,760 --> 00:30:35,840
Speaker 2: I did this myself. Yeah, I got myself out of

632
00:30:35,840 --> 00:30:38,800
Speaker 2: this forty thousand dollars debt hole and I put myself

633
00:30:38,840 --> 00:30:42,040
Speaker 2: in a position where I am now worth millions money

634
00:30:42,080 --> 00:30:46,440
Speaker 2: when but through that journey, you can too, and it

635
00:30:46,520 --> 00:30:48,280
Speaker 2: might not look for the same. You don't have to

636
00:30:48,280 --> 00:30:49,800
Speaker 2: do what I did, and I mean I took it

637
00:30:49,800 --> 00:30:51,640
Speaker 2: to the nth degree. Right, I didn't just get out

638
00:30:51,640 --> 00:30:54,120
Speaker 2: of forty thousand dollars worth of personal debt. I started

639
00:30:54,160 --> 00:30:56,720
Speaker 2: businesses and did some crazy stuff as well. Right, But

640
00:30:57,240 --> 00:30:59,480
Speaker 2: you can get out of debt, and then once you're

641
00:30:59,520 --> 00:31:03,320
Speaker 2: out of debt, you can flourish and create wealth. And

642
00:31:04,000 --> 00:31:06,080
Speaker 2: don't get me wrong, it might not happen as quickly

643
00:31:06,160 --> 00:31:08,640
Speaker 2: as it did for me, but it's entirely possible using

644
00:31:08,680 --> 00:31:11,479
Speaker 2: exactly the same tools and resources. And I want that

645
00:31:11,520 --> 00:31:14,320
Speaker 2: for people. But for so long wealth has been gate kept,

646
00:31:14,720 --> 00:31:18,000
Speaker 2: like we have terms of reference like, oh, that's only

647
00:31:18,080 --> 00:31:18,760
Speaker 2: for the wealthy.

648
00:31:19,400 --> 00:31:22,120
Speaker 4: Yeah, why, yeah, I see, I see.

649
00:31:22,520 --> 00:31:24,160
Speaker 2: Why is this only for rich people?

650
00:31:24,560 --> 00:31:26,880
Speaker 4: Yeah? I think it's really good to kind of like

651
00:31:26,920 --> 00:31:28,560
Speaker 4: redefine because I think that rich yea does have a

652
00:31:28,560 --> 00:31:33,560
Speaker 4: negative connotation, and yeah, just asking ourselves what, like why

653
00:31:33,640 --> 00:31:37,200
Speaker 4: it's bad? I guess if you do have money, even

654
00:31:37,200 --> 00:31:41,400
Speaker 4: though that's really everyone's goal, kind of in some way,

655
00:31:41,560 --> 00:31:45,000
Speaker 4: you know, I think that like redefining what it means,

656
00:31:45,880 --> 00:31:49,240
Speaker 4: because richness also could be you know, I was walking

657
00:31:49,280 --> 00:31:50,959
Speaker 4: in the sun the other day. I had two coffees

658
00:31:51,000 --> 00:31:54,320
Speaker 4: and I thought, Wow, isn't it gorgeous that I have

659
00:31:54,360 --> 00:31:57,120
Speaker 4: to buy more than one coffee? And I thought, oh,

660
00:31:57,120 --> 00:32:00,479
Speaker 4: my god, isn't it gorgeous that I'm going home and

661
00:32:00,520 --> 00:32:02,760
Speaker 4: someone's going to be there and I'm stressed because I

662
00:32:02,800 --> 00:32:05,880
Speaker 4: have too many activities or events on and it's like

663
00:32:05,960 --> 00:32:10,800
Speaker 4: that's also there's a richness in having people that you

664
00:32:10,920 --> 00:32:13,640
Speaker 4: love around you all the time. And so I think, yeah,

665
00:32:13,640 --> 00:32:16,680
Speaker 4: it's a very interesting conversation that we've started here, and

666
00:32:16,720 --> 00:32:20,240
Speaker 4: I feel like we're getting very not existential, but it's

667
00:32:20,280 --> 00:32:21,000
Speaker 4: like it's.

668
00:32:20,840 --> 00:32:24,600
Speaker 2: So important philosophase conversations as well. But yes, you know,

669
00:32:24,800 --> 00:32:28,200
Speaker 2: I think we're working so hard to work towards something.

670
00:32:28,520 --> 00:32:30,200
Speaker 2: And something that I say all the time, You've heard

671
00:32:30,240 --> 00:32:32,200
Speaker 2: me say it a million times on and off the show,

672
00:32:32,280 --> 00:32:34,120
Speaker 2: is that you if you can't be grateful for what

673
00:32:34,160 --> 00:32:35,920
Speaker 2: you already have, there's in a way you're going to

674
00:32:35,920 --> 00:32:40,000
Speaker 2: be grateful for what's to come. And I definitely live

675
00:32:40,040 --> 00:32:43,400
Speaker 2: and breathe that because I think for so long, for me,

676
00:32:43,520 --> 00:32:46,880
Speaker 2: when I was in that debt hole of forty thousand dollars,

677
00:32:48,240 --> 00:32:51,320
Speaker 2: it felt like the Louis Vauton, It felt like I

678
00:32:51,440 --> 00:32:53,840
Speaker 2: wanted all of the stuff and when I get rich,

679
00:32:53,920 --> 00:32:57,280
Speaker 2: I'll have this and I'll be happy. And now I'm

680
00:32:57,360 --> 00:33:01,200
Speaker 2: just in a part of life where I'm really not

681
00:33:01,280 --> 00:33:04,840
Speaker 2: embracing I just realized that stuff doesn't matter. It doesn't

682
00:33:04,920 --> 00:33:07,400
Speaker 2: make you happy, and if it does, you need to

683
00:33:07,600 --> 00:33:09,000
Speaker 2: like I'm not saying it's a bad thing. Don't get

684
00:33:09,000 --> 00:33:12,600
Speaker 2: me wrong. I'm still like I'm still vain, don't you worry.

685
00:33:12,720 --> 00:33:15,720
Speaker 2: I still can't be like, well, it's fine. I love

686
00:33:15,800 --> 00:33:18,560
Speaker 2: doing my hair, I do my nails, like I enjoy

687
00:33:18,640 --> 00:33:20,920
Speaker 2: all of that stuff. But if you took it off

688
00:33:20,920 --> 00:33:22,960
Speaker 2: me tomorrow, I'd be like okay, Like, because that's not

689
00:33:23,000 --> 00:33:25,360
Speaker 2: what really matters. It's my friends, it's my family. It's

690
00:33:25,400 --> 00:33:29,320
Speaker 2: like the fact that wealth now buys me time. It's

691
00:33:29,360 --> 00:33:33,080
Speaker 2: the fact that wealth meant that, like, Holly Doolly be

692
00:33:33,320 --> 00:33:36,280
Speaker 2: I got to have my husband at home for six

693
00:33:36,440 --> 00:33:40,000
Speaker 2: months after having a baby both times.

694
00:33:40,320 --> 00:33:41,200
Speaker 4: Yeah, that's awesome.

695
00:33:41,360 --> 00:33:43,720
Speaker 2: Like we were able to fund him staying at home,

696
00:33:43,960 --> 00:33:48,600
Speaker 2: meaning that our experience of parenthood is so much different

697
00:33:49,160 --> 00:33:51,600
Speaker 2: to our friends in the community that are like, oh

698
00:33:51,680 --> 00:33:53,920
Speaker 2: my god, my husband could only take off two weeks.

699
00:33:53,960 --> 00:33:55,200
Speaker 2: And then we did this and we did that, and

700
00:33:55,240 --> 00:33:57,720
Speaker 2: my paternity leave kicked in and I was chasing centlink

701
00:33:57,760 --> 00:34:01,760
Speaker 2: and like, I know it's stress, and I know I'm privileged,

702
00:34:01,800 --> 00:34:05,080
Speaker 2: but I want this for everybody. And it's just the

703
00:34:05,120 --> 00:34:07,880
Speaker 2: way that my perception of wealth has gone from stuff

704
00:34:07,960 --> 00:34:12,600
Speaker 2: to experiences. Yeah, Like I want everybody to have that,

705
00:34:12,760 --> 00:34:17,040
Speaker 2: and it's not unachievable in the every day like you're saying.

706
00:34:17,280 --> 00:34:19,680
Speaker 2: You know, you've spoken openly like I quit my job.

707
00:34:19,800 --> 00:34:21,920
Speaker 2: It was a silly thing to do. Was really stressed

708
00:34:21,920 --> 00:34:25,040
Speaker 2: about money. But also I had this coffee and I

709
00:34:25,080 --> 00:34:26,719
Speaker 2: was walking in the sun, and I got to go

710
00:34:26,840 --> 00:34:29,160
Speaker 2: home to a home with somebody in it who loved me.

711
00:34:29,440 --> 00:34:33,800
Speaker 4: Yeah, oh my god, I know. Isn't it crazy. We're

712
00:34:33,840 --> 00:34:36,200
Speaker 4: trying to buy our life back and like and have

713
00:34:36,320 --> 00:34:39,319
Speaker 4: more time to be with our friends and family. But also,

714
00:34:39,320 --> 00:34:41,640
Speaker 4: if you just quit your job and don't have any money,

715
00:34:41,640 --> 00:34:42,880
Speaker 4: you could do exactly the same thing.

716
00:34:43,440 --> 00:34:46,080
Speaker 2: We don't do that without serious thought, don't do that.

717
00:34:46,440 --> 00:34:48,799
Speaker 2: Let's say we have the power to change things on

718
00:34:48,840 --> 00:34:52,239
Speaker 2: a global level. Yeah, if we could redefine what it

719
00:34:52,320 --> 00:34:54,560
Speaker 2: means to be wealthy, what would that look like for you?

720
00:34:54,880 --> 00:34:58,080
Speaker 4: I think it would and this is what I think

721
00:34:59,000 --> 00:35:02,120
Speaker 4: should be afford to everyone in the world. I think

722
00:35:02,160 --> 00:35:06,840
Speaker 4: it would just be having your basic needs met. And

723
00:35:06,880 --> 00:35:11,480
Speaker 4: those needs have changed because we don't really need well,

724
00:35:12,000 --> 00:35:14,880
Speaker 4: we didn't really need electricity before electricity was invented. We

725
00:35:14,880 --> 00:35:16,480
Speaker 4: didn't really need you know, all these things. So I'm

726
00:35:16,480 --> 00:35:18,759
Speaker 4: like that has changed a little bit. But now I'm

727
00:35:18,760 --> 00:35:23,839
Speaker 4: thinking if your bare basic needs that does include electricity,

728
00:35:24,400 --> 00:35:27,440
Speaker 4: and it includes gas, let's say, for argument's sake. So

729
00:35:27,480 --> 00:35:30,560
Speaker 4: I'm thinking just having those things that you need to

730
00:35:30,680 --> 00:35:33,120
Speaker 4: like live your life, be able to cook food, be

731
00:35:33,160 --> 00:35:37,399
Speaker 4: able to own a fridge, having those things met without

732
00:35:37,640 --> 00:35:40,480
Speaker 4: having to work so so hard, because right now it

733
00:35:40,520 --> 00:35:45,200
Speaker 4: just feels like we're working so much to get these

734
00:35:45,200 --> 00:35:48,960
Speaker 4: things that without the stress of it, you know, So

735
00:35:49,000 --> 00:35:50,120
Speaker 4: having your needs met, I think.

736
00:35:50,040 --> 00:35:52,800
Speaker 2: Is wealthy exactly. And I feel like that's about creating

737
00:35:52,880 --> 00:35:55,719
Speaker 2: some new like wealth indicators and what they look like,

738
00:35:56,040 --> 00:36:00,000
Speaker 2: you know, not having quantitative stuff, but actually having qualitative exacts.

739
00:36:00,600 --> 00:36:03,200
Speaker 2: So like it's the time, it's the energy, it's your mindset.

740
00:36:03,239 --> 00:36:06,600
Speaker 2: It's not necessarily you know, the stuff and the things

741
00:36:06,760 --> 00:36:09,759
Speaker 2: and the you know, he who has more wins like

742
00:36:09,840 --> 00:36:13,560
Speaker 2: it just that gives me the ick, and I think

743
00:36:13,600 --> 00:36:16,960
Speaker 2: that we should be really questioning how we can redefine

744
00:36:17,320 --> 00:36:20,439
Speaker 2: what buying high end items actually looks like, Like what's

745
00:36:20,480 --> 00:36:23,279
Speaker 2: your mindset around that. Don't get me wrong, I rocked

746
00:36:23,360 --> 00:36:26,600
Speaker 2: on in here with a designer bag. I bought it

747
00:36:26,680 --> 00:36:30,040
Speaker 2: fifteen years ago when I was really caught up on

748
00:36:30,320 --> 00:36:34,319
Speaker 2: like status and I definitely wanted people to see my bag. Yeah,

749
00:36:34,320 --> 00:36:35,560
Speaker 2: And now I'm like, well, it's a bag I have

750
00:36:35,640 --> 00:36:37,319
Speaker 2: and I use it, and you know, I love it

751
00:36:37,360 --> 00:36:39,000
Speaker 2: because I've had it for so long and it's like,

752
00:36:39,200 --> 00:36:44,080
Speaker 2: you know, something that is mine totally. But can we

753
00:36:44,120 --> 00:36:47,120
Speaker 2: adjust our mindset around these purchases so that instead of

754
00:36:47,200 --> 00:36:49,720
Speaker 2: it being a I wanted to be seen with this bag,

755
00:36:50,320 --> 00:36:53,040
Speaker 2: it was a this makes me feel really good about myself?

756
00:36:53,120 --> 00:36:56,399
Speaker 2: Why did I purchase this? Did you purchase something because

757
00:36:56,400 --> 00:36:58,120
Speaker 2: I had the big Gucci logo on it and you

758
00:36:58,200 --> 00:37:00,759
Speaker 2: wanted to be seen wearing it? Did you purchase it

759
00:37:00,800 --> 00:37:02,799
Speaker 2: because you knew that when you got home, you'd put

760
00:37:02,800 --> 00:37:05,040
Speaker 2: it on and you just feel so good about yourself?

761
00:37:05,239 --> 00:37:08,080
Speaker 4: Exactly exactly. I always like to think, like if I

762
00:37:08,360 --> 00:37:10,960
Speaker 4: was the only person in this world and I was

763
00:37:11,000 --> 00:37:14,359
Speaker 4: not being perceived by anyone ever, very lonely, but like,

764
00:37:14,560 --> 00:37:16,880
Speaker 4: would this thing still bring me the same amount of joy?

765
00:37:17,000 --> 00:37:17,160
Speaker 3: You know?

766
00:37:17,840 --> 00:37:21,960
Speaker 4: Does that change your wanting for a designer bag? I

767
00:37:22,000 --> 00:37:24,960
Speaker 4: don't even think they're that well, so they're quite nice,

768
00:37:25,040 --> 00:37:28,080
Speaker 4: They're not my personal stroll, so I'm like, you know,

769
00:37:28,719 --> 00:37:29,759
Speaker 4: I got without.

770
00:37:30,120 --> 00:37:34,799
Speaker 2: And also like marketing, like how we are marketed too.

771
00:37:34,880 --> 00:37:37,680
Speaker 2: Do we need to review or reject marketing and how

772
00:37:37,680 --> 00:37:39,560
Speaker 2: it's basically shoved down our throat?

773
00:37:39,680 --> 00:37:42,080
Speaker 4: Sure, Like why do you want stuff?

774
00:37:42,120 --> 00:37:44,319
Speaker 2: Is it because you saw other people with stuff? If so,

775
00:37:44,440 --> 00:37:48,080
Speaker 2: were those people perhaps influencers who were using that stuff

776
00:37:48,360 --> 00:37:50,840
Speaker 2: in order to influence you into wanting that stuff?

777
00:37:50,880 --> 00:37:51,440
Speaker 4: Exactly?

778
00:37:51,920 --> 00:37:53,759
Speaker 2: It makes me so mad.

779
00:37:53,680 --> 00:37:56,120
Speaker 4: I know, I know, And it's like, you know, money

780
00:37:56,280 --> 00:37:58,960
Speaker 4: makes the world go around, So ask yourself, Like they

781
00:37:59,000 --> 00:38:01,359
Speaker 4: don't like that, you know, I don't like that either.

782
00:38:01,400 --> 00:38:04,720
Speaker 4: But if you are being if you've got a targeted ad,

783
00:38:05,200 --> 00:38:08,239
Speaker 4: just ask yourself if it's really going to change your

784
00:38:08,280 --> 00:38:12,000
Speaker 4: life or if it's there to eventually fill someone's pocket

785
00:38:12,080 --> 00:38:15,120
Speaker 4: in some indirect wayah or direct way, who knows.

786
00:38:15,160 --> 00:38:17,959
Speaker 2: But yeah, maybe that's where we put a pin in it, Beck,

787
00:38:18,000 --> 00:38:20,959
Speaker 2: because I feel like this topic arguably deserves its own

788
00:38:21,120 --> 00:38:23,239
Speaker 2: series as a whole, but I don't want to do

789
00:38:23,320 --> 00:38:28,000
Speaker 2: it without opening the floor to the conversation for sure. First,

790
00:38:28,080 --> 00:38:31,080
Speaker 2: Like I don't want to not talk to the community

791
00:38:31,120 --> 00:38:33,480
Speaker 2: about this. And I feel like a podcast like this

792
00:38:33,600 --> 00:38:35,960
Speaker 2: where we go, hey, this is what we're thinking, and

793
00:38:36,080 --> 00:38:38,600
Speaker 2: you know, I'm feeling guilty about this, and Beck sees

794
00:38:38,640 --> 00:38:40,960
Speaker 2: it this way, what like, what are your thoughts like?

795
00:38:41,040 --> 00:38:43,839
Speaker 2: Drop them in the Spotify comments because we're reading them.

796
00:38:43,880 --> 00:38:45,799
Speaker 2: There will also be a thread in the Facebook group

797
00:38:45,840 --> 00:38:48,440
Speaker 2: this week about like what your thoughts are? Because I

798
00:38:48,520 --> 00:38:53,360
Speaker 2: just think that the more my mindset shifts around money

799
00:38:53,400 --> 00:38:56,800
Speaker 2: and wealth and being rich, the more I feel free,

800
00:38:57,120 --> 00:39:01,000
Speaker 2: the more I feel like, oh yeah, deep, it's not

801
00:39:01,080 --> 00:39:04,800
Speaker 2: that like it helps me not only create more for others,

802
00:39:05,239 --> 00:39:09,040
Speaker 2: but I think it releases you a little bit in

803
00:39:09,160 --> 00:39:12,760
Speaker 2: terms of feeling like you have to do things.

804
00:39:12,560 --> 00:39:17,840
Speaker 4: Totally absolutely free yourself from the words from the labels

805
00:39:17,880 --> 00:39:19,200
Speaker 4: like free yourself.

806
00:39:19,040 --> 00:39:21,880
Speaker 2: Exactly and that feels a little bit hippy dippy, But

807
00:39:22,000 --> 00:39:25,840
Speaker 2: it's exactly who we are, isn't it pack exactly?

808
00:39:26,120 --> 00:39:26,400
Speaker 1: Well?

809
00:39:26,400 --> 00:39:29,120
Speaker 2: My friends, thank you for joining us for what could

810
00:39:29,160 --> 00:39:33,160
Speaker 2: be one of our most polarizing episodes. If you have

811
00:39:33,360 --> 00:39:35,920
Speaker 2: any follow up questions or want to join the discussion,

812
00:39:36,000 --> 00:39:39,240
Speaker 2: please join our Facebook group How She's on the Money.

813
00:39:39,239 --> 00:39:42,480
Speaker 2: Community is very easy to find, and make sure that

814
00:39:42,520 --> 00:39:45,040
Speaker 2: you're subscribed so that you never miss an episode. Will

815
00:39:45,080 --> 00:39:47,879
Speaker 2: catch you later in the week for Friday drinks. Until then,

816
00:39:47,920 --> 00:39:50,520
Speaker 2: my friends, take care of yourselves and of each other.

817
00:39:50,680 --> 00:39:51,280
Speaker 4: Bye, guys.

818
00:39:55,680 --> 00:39:58,280
Speaker 2: The advice shared on She's on the Money is generally

819
00:39:58,440 --> 00:40:02,239
Speaker 2: nature and does not consider you individual circumstances. She's on

820
00:40:02,280 --> 00:40:05,759
Speaker 2: the Money exists purely for educational purposes and should not

821
00:40:05,840 --> 00:40:08,840
Speaker 2: be relied upon to make an investment or financial decision.

822
00:40:09,200 --> 00:40:11,880
Speaker 2: If you do choose to buy a financial product, read.

823
00:40:11,680 --> 00:40:15,000
Speaker 1: The PDS TMD and obtain appropriate financial.

824
00:40:14,600 --> 00:40:16,400
Speaker 2: Advice tailored towards your needs.

825
00:40:16,760 --> 00:40:20,720
Speaker 1: Victoria Divine and She's on the Money are authorized representatives

826
00:40:20,760 --> 00:40:24,440
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