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

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the the podcast for

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Speaker 2: millennials who want financial freedom. Today, guys, it is Friday,

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Speaker 2: which means it is time to get our little team

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Speaker 2: together and celebrate you our incredible She's on the Money

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Speaker 2: community today, Miss Gried. She is going to be sharing

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Speaker 2: with us some money wins. We're going to be helping

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Speaker 2: answer a juicy money dilemma which this week is all

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Speaker 2: about unexpected funeral costs, and we're going to be unpacking

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Speaker 2: something that you slid into our DMS about this week.

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Speaker 2: We're going to be having a chat about whether equity

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Speaker 2: should be applied in friendships.

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Speaker 4: That made people angry. It made me so mad.

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Speaker 2: In our DMS, I was like, usually the like you know,

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Speaker 2: community DM that we address on the pod is it's

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Speaker 2: a little bit spicy. It's always like a little bit like, oh,

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Speaker 2: you don't want to like publicly ask the question, so

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Speaker 2: you slide into our DMS so that you can get

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Speaker 2: kind of an anonymous response this one. But you're glad

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Speaker 2: you slid into our DMS and the response you're anonymous

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Speaker 2: because there are some people coming for it, like they

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Speaker 2: were coming for us, and we just asked the question.

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Speaker 2: I didn't even say we had an opinion on it

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Speaker 2: at this point.

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Speaker 4: Do you see?

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Speaker 5: I'm so excited.

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Speaker 2: It was a lot, But I also feel like this

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Speaker 2: week has been a lot. How's your week been back,

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Speaker 2: what's you've been up to?

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Speaker 4: I really liked this week.

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Speaker 6: Actually sorry, I had a bit of whiplash because you know,

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Speaker 6: there's the weekend and then you go back to work

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Speaker 6: and then there's another weekend. Yeah, there should be immediate

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Speaker 6: it's a half weekend. Yeah, it's a half weekend immediately

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Speaker 6: after you start working.

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Speaker 4: A public holidays on Mondays or Fridays only.

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Speaker 5: I agree with that.

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Speaker 2: I agree with that that should be exactly. But I

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Speaker 2: mean Anzac Day is really important. I mean it's important

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Speaker 2: to me, so I think that we should celebrate it

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Speaker 2: on the right day. But the government should be nice

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Speaker 2: and just have given us Monday off as well, exactly.

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Speaker 5: I wouldn't hate that, honestly, because I think it's good.

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Speaker 2: It's good for morale. Our engagement would increase. We know

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Speaker 2: what happens when people are engaged, they produce fifty percent

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Speaker 2: higher shareholder return. In that government give us four days off?

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Speaker 4: Yeap? How could you say no?

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Speaker 2: Exactly? So what else did you do? You had whiplash

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Speaker 2: and had whiplash.

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Speaker 5: On Tuesday?

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Speaker 6: I saw our producer live and Alisa Live and Lisa

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Speaker 6: she's actually going to be famous one day, like really famous.

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Speaker 6: I think she's pretty famous definitely. Where you know, I'm

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Speaker 6: from Brunswick area. Everyone knows it. Everyone knows she's got

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Speaker 6: her own radio show.

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Speaker 2: Yeah, she's a big deal, A big deal, the biggest deal.

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Speaker 4: Yes, Brunswick. Without thinking of the garage party, like I

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Speaker 4: just that's all we do there.

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Speaker 2: Do you know why they had the garage party because

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Speaker 2: Analysa was playing No just celebrate Analisa. Yeah, when Viral

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Speaker 2: and Aalisa was playing there.

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Speaker 4: They didn't know.

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Speaker 5: She's a big deal.

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Speaker 2: We'll put a link to her stuff in our show

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Speaker 2: notes this week so you can creep on her, because

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Speaker 2: I just feel like everybody needs to know who she is.

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Speaker 2: She's the person that if you go to as she's

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Speaker 2: on the money event, you like, look across the room,

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Speaker 2: woman in the pink Sparkley suit. Yep, that's Analisa. Yeah,

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Speaker 2: you do want to meet her.

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Speaker 5: Beautiful, she's really hot.

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Speaker 2: It just my favorite part about this whole conversation is

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Speaker 2: she's currently in the room and she's so uncomfortable. It's amazing.

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Speaker 6: Take the love you deserve it. She's also taken and

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Speaker 6: run a person, So we love this. Yeah that's true,

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Speaker 6: all right, I mean what can't you do?

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Speaker 2: So I don't know, there's not one thing that we've

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Speaker 2: asked her to do that she hasn't done.

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Speaker 5: No, that's true.

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Speaker 2: Wild. Let me move on though, because she's she's suitably uncomfortable.

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Speaker 5: Suitably I just feel uncomfortable with her uncomfortable.

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Speaker 2: Yeah, it's great, Miss Jessicricci. How's your week being.

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Speaker 4: It's been good, just a normal week for me this week,

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Speaker 4: enjoying the sunshine and along popping along. I had a

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Speaker 4: rental inspection this week. That's hot, yep, really fun. That's

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Speaker 4: about us.

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Speaker 2: Really they say that they were tripling your rent because

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Speaker 2: I feel like that's what's happening to everybody who has

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Speaker 2: a rental inspection at the moment.

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Speaker 4: Oh, thankfully they can't envy.

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Speaker 2: Oh you're in the first twelve months of your lease

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Speaker 2: as well.

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Speaker 4: Yes, so it's just to make sure we haven't ruined

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Speaker 4: the place, which we haven't not yet, two thumbs up.

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Speaker 2: Not yet. And they didn't find all the stuff you

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Speaker 2: hed no no yet studying all right. I want to

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Speaker 2: know what's been going on with our community. Jess. What

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Speaker 2: are the money wins and confessions that you've round up

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Speaker 2: this week for us?

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Speaker 4: My first money win this week comes from Tanzen, who

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Speaker 4: said money win. I desperately wanted to join in on

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Speaker 4: the frank green water bottle trend, but I could not

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Speaker 4: justify the price for myself until I was scrolling on

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Speaker 4: Facebook Marketplace and saw a chick advertising the exact one

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Speaker 4: for thirty five dollars brand new. After she was gifted

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Speaker 4: two for her birthday. I have officially joined the emotional

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Speaker 4: support water bottle trend.

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Speaker 2: Thirty five dollars. It's a good deal.

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Speaker 5: I don't know how much does they cost?

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Speaker 2: Usually about sixty fifty nine ninety five.

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Speaker 4: Yeah, still a lot of money for a water bottle.

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Speaker 7: Yeah.

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Speaker 4: Kmart does a good dupe.

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Speaker 5: Nine dollars, little SYSTEMA plastic water bottle.

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Speaker 2: Is nothing better than an insulated water bottle. I'll have

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Speaker 2: to try it one day as a little bit of

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Speaker 2: a water top. Update for those of you playing along

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Speaker 2: at home, my Stanley drink bottle has arrived. I am

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Speaker 2: in love with it. It is bigger than my head.

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Speaker 5: I am huge the whole table.

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Speaker 2: It's peach. She's stunny. And jessic Ricci has bought me two,

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Speaker 2: not one, but two drink mixes this week. She bought

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Speaker 2: me the green Apple and the cherry flavored Jolly Rancher

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Speaker 2: drink mix, which I think is just no no, And

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Speaker 2: do you know what, I have absolutely no face that

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Speaker 2: they're going to taste any good because they are one.

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Speaker 2: I don't like cherry flavor, so apologies. Yes, but you

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Speaker 2: know what, Jess, you knew that when you purchased that

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Speaker 2: didn't you.

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Speaker 4: I was like, gonna be good content, to be good

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Speaker 4: content she.

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Speaker 2: Wants me to. I feel like it's just going to

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Speaker 2: taste like cough medicine and the green apple flavor. Very

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Speaker 2: excited to try it, but they're sugar free and I

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Speaker 2: do not enjoy artificial flavors Like I just artificial sweetener

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Speaker 2: needs to get in the bin.

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Speaker 5: I cannot get my head out after taste.

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Speaker 2: Yeah, so we'll see, we'll see, but I will film

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Speaker 2: that content because I love watertalk.

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Speaker 4: Very niche for anyone else who's on the same type

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Speaker 4: of TikTok as you can't relate.

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Speaker 2: I keep sending videos of water talk to Jess. If

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Speaker 2: this is making no sense to you, you don't want

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Speaker 2: it to make sense to but I keep sending them

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Speaker 2: to Jests so that she will also end up on

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Speaker 2: watertok It's kind of like ruining her feed from.

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Speaker 4: My side of the take in her life. Speaking of water,

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Speaker 4: my next money is from Alisha, who said our washing

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Speaker 4: machine wasn't working and it kept saying check the filter.

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Speaker 4: Didn't even know the filter was empty. I was hesitant

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Speaker 4: about calling someone to fix it, as I knew it

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Speaker 4: would probably be expensive and I didn't know if I

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Speaker 4: would need a plumber or an appliance technician. My partner

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Speaker 4: was catching up with one of his mates who happens

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Speaker 4: to be a plumber, so I made him ask his

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Speaker 4: mate for some tips. It was a simple fix and

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Speaker 4: we now have a working washing machine for zero doll

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Speaker 4: It's how good life win. My next one comes from

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Speaker 4: Goji who said money win. Local Yoga was closed for

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Speaker 4: renovations and they are now offering free unlimited classes for

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Speaker 4: the first week and I will seven classes for free.

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Speaker 2: Oh my god, seven taking it to the nth degree.

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Speaker 4: I love that. You gotta respect it.

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Speaker 2: It's like when seven to eleven has those days where

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Speaker 2: they say bring your own container and you can have

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Speaker 2: as much slurpy as you.

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Speaker 4: Really used to love that as a Kiddo's.

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Speaker 2: Sorry wild, but like, where's where's the line? Yeah, yeah,

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Speaker 2: where's the line. I'll bring my Stanley cup. I feel

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Speaker 2: like that's the line. That's a lot of.

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Speaker 5: Not big enough.

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Speaker 4: We did a mixing bowl once, me and my brother.

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Speaker 4: We shared it to be fair.

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Speaker 2: Oh you shared it?

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Speaker 4: Yeah.

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Speaker 2: I feel like I've seen people with those gallon water things,

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Speaker 2: you know, from like the water fountains where they like

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Speaker 2: tip it upside down and then just like ruin the

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Speaker 2: environment with their fake filtered water, Like that's arguably a

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Speaker 2: little bit irresponsible, but that's okay. But I've seen people

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Speaker 2: take those and get that filled with slurpy.

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Speaker 4: Slurpy on tap. Could I do the dream, the absolute dream?

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Speaker 2: Maybe we should buy a slurpy machine for the offers.

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Speaker 2: I would actually tip there are a lot of things

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Speaker 2: that we want in this office that we probably shouldn't purchase.

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Speaker 4: Our office if we just let ourselves buy the things

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Speaker 4: that we wanted, would look like it was designed by

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Speaker 4: a six year old. There'd be slides, swings, they'd be slurpy.

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Speaker 4: It would just be ridiculous.

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Speaker 2: I'm not sorry for that.

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Speaker 4: I'm not even sorry. I have no regrets, no regrets.

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Speaker 4: My next money when came from Tina, who said, just

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Speaker 4: found out that you can go to your local council,

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Speaker 4: take your rates notice and get two free native trees.

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Speaker 4: That's all the information that I have. I don't know

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Speaker 4: if it's every local counselor please tease still on your.

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Speaker 2: Can you give us some more information, Tina?

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Speaker 5: But I thought that's a good tip, like.

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Speaker 4: Jump on your local council website. Two free trees, but

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Speaker 4: also local.

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Speaker 2: Count always have good stuff going on.

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Speaker 4: Yeah, they ever marketed.

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Speaker 5: I've never I'd never hear about this.

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Speaker 2: They probably sometimes budget let's be honest.

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Speaker 5: That's fair.

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Speaker 4: Yeah, and I think it's changing. But a lot of

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Speaker 4: government or local government teams generally are made up of

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Speaker 4: more mature people and so they're not as tech savy

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Speaker 4: a lot of the time. So they are market Like

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Speaker 4: I see flyers and stuff sometimes that's not reaching the

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Speaker 4: people that's got to reach, like stapled to the telephone pole.

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Speaker 4: No one's looking at the help.

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Speaker 2: The telephone pole or the community noticeboard at coles. Yeah,

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Speaker 2: like the one that you kind of like awkwardly glance

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Speaker 2: at as you're going out of the self checked out. Yeah.

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Speaker 4: Not all council people are old, but they should hire

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Speaker 4: more young people. That's what I'm saying, one hundred percent.

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Speaker 4: Moving right along, Please don't come for me. My next

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Speaker 4: money when comes from Kim who said, sold my daughter's

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Speaker 4: cot for the price of what it would have cost

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Speaker 4: me to upgrade her to a single bit love a

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Speaker 4: cost neutral upgrade, And I was like, I just love

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Speaker 4: the term cost neutral.

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Speaker 2: Right, we are taking that and running with it. This

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Speaker 2: is this is where my head went because you said

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Speaker 2: don't hate me. But I now realize that was in

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Speaker 2: relation to your last comment. I just thought that Kim

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Speaker 2: had sold her kids cop before her kid was done

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Speaker 2: with it. Money. We now my kids sleep's on the floor.

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Speaker 2: Can you imagine, very monty sorrow, very fancy, very fancy.

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Speaker 2: I'm on that side of TikTok.

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Speaker 4: Yeah, you're on every side of TikTok.

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Speaker 2: I live on TikTok.

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Speaker 5: Well that's okay, no judgment over here.

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Speaker 4: That's all why money wins for the week. So should

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Speaker 4: we take a quick break so it can get a

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Speaker 4: TikTok fixed?

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Speaker 5: She's shaking, She's literally.

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Speaker 2: Not even mad. Do you want to see this TikTok

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Speaker 2: of this guy who dances and takes best stop?

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Speaker 5: We don't have any choice, so let's do it.

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Speaker 4: Welcome back, everybody. Let's jump into this week's money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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Speaker 2: can't solve that. She's on the Money Team is here

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Speaker 2: to help. Every week, we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money, career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 8: Hi, and She's on the Money. I have a money dilemma.

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Speaker 8: Last year, my father sadly passed away and I needed

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Speaker 8: to pay three thousand dollars of my savings a four

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Speaker 8: costs involved with chromation and the funeral home. Now, I

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Speaker 8: am expected of my family to purchase a plot and headstone.

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Speaker 8: And while I loved my father, I am not a

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Speaker 8: higher earner and struggling with these unexpected costs. Does She's

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Speaker 8: on the Money have any advice on how to pay

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Speaker 8: for these unexpected costs and how to get any kind

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Speaker 8: of funding. I live in Australia and I am paying

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Speaker 8: these costs in New Zealand and I'm wondering if I

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Speaker 8: could even get some kind of a rebate, whither through

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Speaker 8: its GST or a tax time.

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Speaker 4: Firstly, I just want to say I'm really sorry that

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Speaker 4: you're going through this. That's a really tough thing to

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Speaker 4: deal with it in and of itself, dealing with a

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Speaker 4: loss with then having a financial burden on top of that,

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Speaker 4: and I'm shocked at how much it costs to be

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Speaker 4: cremated three thousand dollars.

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Speaker 2: Yeah, it's a lot.

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Speaker 4: I've never thought about the cost before now if I'm

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Speaker 4: being honest.

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Speaker 2: Yeah, look, it's a lot of money, and I guess

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Speaker 2: it makes sense when you think about it. In Australia

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Speaker 2: and in New Zealand, it is like kind of a

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Speaker 2: restricted thing. You can't just turn up and become cremated,

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Speaker 2: Like there has to be a death certificate and a

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Speaker 2: whole process behind it, right, I know because my mother

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Speaker 2: actually worked in the death industry for a very long time.

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Speaker 2: Here in Australia are the total funeral costs of a

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Speaker 2: traditional burial, this is just me reading from the Australian

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Speaker 2: Bureau of Statistics website can average between seven thousand and

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Speaker 2: fifteen thousand dollars, while here in Australia, a cremation can

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Speaker 2: cost anywhere between three thousand and just seven thousand dollars. Obviously,

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Speaker 2: these figures can go even higher depending on like your

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Speaker 2: local cemetery fees and like regulations and stuff, because there

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Speaker 2: are different regulations that are involved, so these fees they

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Speaker 2: usually cover what be deemed to be quote the essentials,

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Speaker 2: so things like logistics, so you need to move the

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Speaker 2: body from location to location. You can't just stick them

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Speaker 2: in the cheapest uber that you get a death certificate,

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Speaker 2: filing notices, permits, stuff like that. If you're looking for

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Speaker 2: anything extravagant, like you want a nice casket, that's even

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Speaker 2: more money. You want to do viewings of your loved one,

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Speaker 2: that is going to increase the amount that the funeral

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Speaker 2: home charges you. If you want to do like some

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Speaker 2: kind of special celebration or clergy or like a nice

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Speaker 2: flower arrangement, that's way more money. Again, and flowers are

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Speaker 2: very expensive even for funerals. You can actually expect to

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Speaker 2: pay anywhere between like maybe three hundred and up to

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Speaker 2: like five thousand dollars on florals for a four depending

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Speaker 2: on obviously what you do and how you do it.

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Speaker 2: I know that in my family a lot of people

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Speaker 2: have said if they've had like a death notice, they say,

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Speaker 2: in little of flowers, can you donate to a particular charity?

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Speaker 2: Which is nice, but you kind of like want it

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Speaker 2: to look nice as well. I don't know, there's that

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Speaker 2: mix of working you're.

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Speaker 4: Still celebrating somebody's life.

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Speaker 2: Yeah, So in most cases, the person who arranges the funeral,

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Speaker 2: whether that's like a friend or a family member. They

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Speaker 2: actually have to sign a contract directly with the funeral

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Speaker 2: director and then that person is the person that's kind

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Speaker 2: of in charge of all the payments. Which is why

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Speaker 2: our listener might have written in and said, hey, it

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Speaker 2: seems to be all on me because she might have

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Speaker 2: taken on the brunt of that responsibility. Let's assume she's not.

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Speaker 2: Maybe she's the only financially stable person in the family

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Speaker 2: that has access to funds. That can be really, really hard.

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Speaker 2: So it's important to know that there are actually a

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Speaker 2: few things here in Australia, and I've done some research

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Speaker 2: and understand that there are similar things in New Zealand

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Speaker 2: as well. So what I'd be looking up for anyone

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Speaker 2: in their circumstance is bereavement assistance. So here in a

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Speaker 2: stray bereavement assistance can either be like a non for

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Speaker 2: profit organization or it can be through the government and

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Speaker 2: they will help you with unexpected funeral costs. In New Zealand,

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Speaker 2: the average funeral cost is actually ten thousand dollars, which

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Speaker 2: is a lot of money, but they say only five

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Speaker 2: percent of New Zealanders have what's called a pre planned

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Speaker 2: funeral so you can actually do that yourself at any point.

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Speaker 2: It's a very morbid concept, but I mean, if your

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Speaker 2: death is going to be expected, it's something that a

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Speaker 2: lot of people like doing because they feel like they've

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Speaker 2: got control over that circumstance and it can actually be

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Speaker 2: a really therapeutic process. It's not nice by any stretch

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Speaker 2: of the imagination, but at any point you can actually

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Speaker 2: go down to a funeral home and pre pay for

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Speaker 2: your funeral as well as like kind of plan it out,

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Speaker 2: like you could do everything. You could do the bare minimum,

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Speaker 2: which would be just paying for it, or you could

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Speaker 2: go all the way through to or I want to

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Speaker 2: look at the guest list. I want to have a

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Speaker 2: look at you know, what songs you're going to play.

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Speaker 2: What's my intro song, what's my outro song? Who's speaking?

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Speaker 2: Like you can plan literally everything if you wanted to.

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Speaker 2: So in New Zealand there are also bereavement services you

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Speaker 2: can call upon if you find that you're not able

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Speaker 2: to afford it. So I would be doing, honestly, because

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Speaker 2: it changes based on either local, state or council regulations.

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Speaker 2: I would be looking up just bereavement services in your

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Speaker 2: area and seeing what type of support. There is further

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Speaker 2: to that. I probably, given you're the one in your

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Speaker 2: family who has been loaded with all of these costs,

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Speaker 2: I would obviously, I don't think it changes whether you

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Speaker 2: loved your dad or not. You said that in your

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Speaker 2: voice note You're like, oh, I loved him, but no, no,

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Speaker 2: we know you loved him. But it's actually really unrealistic

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Speaker 2: and unreasonable to assume that you're the one individually that

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Speaker 2: would bear the brunt of all of this. I think

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Speaker 2: going back and going Okay, well, what does this look like,

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Speaker 2: and maybe having a conversation with the people who are

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Speaker 2: closest who are trying to help you plan that funeral

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Speaker 2: and help you plan these services and the cremation and stuff,

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Speaker 2: and going, hey, like, should I just be keeping track

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Speaker 2: of this because there are a couple of things that

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Speaker 2: could happen. So obviously when a death happens, not everything

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Speaker 2: financial happens at exactly the same time. What you can

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Speaker 2: do is keep track of all of those costs and

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Speaker 2: then get repaid by your father's estate. And so that

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Speaker 2: would mean like if I spent you know, let's call

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Speaker 2: it just ten thousand dollars, because that's the average cost

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Speaker 2: of the New Zealand funeral. I pay ten thousand dollars,

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Speaker 2: keep track of it, keep all your receipts and everything.

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Speaker 2: And when your dad's estate is being you know, broken

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Speaker 2: down and given out, before that happens, you get repaid

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Speaker 2: that ten thousand dollars before anybody else gets like an inheritance.

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Speaker 2: So that could come from whatever savings your dad had,

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Speaker 2: whatever KEYWI say that he had, whatever kind of assets

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Speaker 2: he has, if you're planning on selling them or you know,

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Speaker 2: liquidating them to cash, or maybe you even just do

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Speaker 2: it in lieu of assets, maybe you get first choice.

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Speaker 2: This all all have to be done through your solicitor

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Speaker 2: or through you know, whoever is dealing with the family estate,

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Speaker 2: but it can be repaid. You will have to go

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Speaker 2: through a process for that to make sure it all

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Speaker 2: gets done properly, because you don't want some one coming

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Speaker 2: back later and being like, oh my god, well Beck

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Speaker 2: got ten thousand dollars more than me. Like, no, Beck

400
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Speaker 2: was repaid the money that she spent for that process

401
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Speaker 2: to happen, and that's actually really fair. You didn't get more, ye,

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Speaker 2: because you just got repaid the money that you spent

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Speaker 2: on that process. So essentially that can happen, but obviously

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Speaker 2: that can only happen if your dad does have an

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Speaker 2: estate to share with you, and in the case that

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Speaker 2: there is no estate that could pay it back. So

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Speaker 2: in a state is just a fancy word for saying

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Speaker 2: stuff that the person who passed away had, So that

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Speaker 2: could be money or houses or literally any type of asset.

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Speaker 2: If there's no money there to repay that, you could

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Speaker 2: just have a good conversation with your family and go, hey, like,

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Speaker 2: I'm keeping track of this. So either the estate can

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Speaker 2: pay it back and they might go, oh, well, just

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Speaker 2: there's no estate, and they might come back and go, okay, well,

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Speaker 2: maybe the family could help. Another way of doing this

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Speaker 2: is to announce when the funeral is happening that you

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Speaker 2: can actually contribute to the funeral costs. So you could say,

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Speaker 2: you know, in lieu of flowers, we'd love a donation

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Speaker 2: towards the funeral cost for XYZ, and that could go

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Speaker 2: towards paying the costs. So I think there's a few

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Speaker 2: things that you could do. The first thing I would

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Speaker 2: honestly do is look at bereavement services and make sure

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Speaker 2: that you know if there's anything local to you that

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Speaker 2: you could access.

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Speaker 4: We do that.

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Speaker 2: I'd also be having a chat to the funeral home

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Speaker 2: that you're working with, because if anyone's going to have

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Speaker 2: experience in what you can access and what you can't,

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Speaker 2: it's going to be them. And maybe they might even

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Speaker 2: have a level of sympathy that you didn't expect them

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Speaker 2: to have and them I go, wow, we didn't realize

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Speaker 2: you're in this circumstance. Let's see what we can do

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Speaker 2: to help.

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Speaker 6: But I think just talking about it and just seeing

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Speaker 6: how people can help you is probably the best thing

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Speaker 6: that you can do because obviously I don't know where

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Speaker 6: in New Zealand you are or how that works, but

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Speaker 6: I guess, long story short, I'm really sorry that that's

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Speaker 6: the circumstance and it does really suck. But unfortunately these

440
00:19:44,600 --> 00:19:47,600
Speaker 6: things happen, and we should be having these conversations about, well,

441
00:19:47,600 --> 00:19:48,280
Speaker 6: what does this mean?

442
00:19:48,359 --> 00:19:52,480
Speaker 2: How does this work? Like these things unfortunately happen every

443
00:19:52,520 --> 00:19:55,479
Speaker 2: single week in our community, and if you don't know,

444
00:19:55,520 --> 00:19:57,080
Speaker 2: you just don't know, and we need to have a

445
00:19:57,080 --> 00:20:00,280
Speaker 2: conversation about Okay, well these are the first steps. Okay,

446
00:20:00,320 --> 00:20:02,520
Speaker 2: Well make sure that you're in, you know, the best

447
00:20:02,520 --> 00:20:05,959
Speaker 2: possible position. This is why people should be doing their

448
00:20:06,000 --> 00:20:08,720
Speaker 2: wills and making sure that things are planned out because

449
00:20:08,760 --> 00:20:11,119
Speaker 2: I personally know that I wouldn't want my family members

450
00:20:11,160 --> 00:20:14,040
Speaker 2: having to pay for my funeral because I hadn't planned it,

451
00:20:14,119 --> 00:20:16,639
Speaker 2: Like I just I don't want to put my family

452
00:20:16,680 --> 00:20:18,200
Speaker 2: in that position and then not have it on the

453
00:20:18,240 --> 00:20:20,440
Speaker 2: other side. But most people don't think about this because

454
00:20:20,440 --> 00:20:22,800
Speaker 2: it's awkward to think about death, right, Yeah, no one

455
00:20:22,800 --> 00:20:25,600
Speaker 2: wants to have this conversation, and that's okay if you're

456
00:20:25,640 --> 00:20:28,119
Speaker 2: not ready. But I think it's it's something that we

457
00:20:28,200 --> 00:20:30,919
Speaker 2: do need to plan for. But then also we need

458
00:20:30,960 --> 00:20:32,720
Speaker 2: to talk about the flip side of that. Maybe we

459
00:20:32,760 --> 00:20:34,520
Speaker 2: do a whole episode on this, because I think that

460
00:20:34,560 --> 00:20:37,240
Speaker 2: there's a lot of unexpected costs in death that we

461
00:20:37,359 --> 00:20:40,879
Speaker 2: don't talk about. But then also what about all of

462
00:20:40,920 --> 00:20:43,120
Speaker 2: the people that are currently being taken for a ride

463
00:20:43,119 --> 00:20:48,280
Speaker 2: if they have funeral insurance? Like that to me makes

464
00:20:48,359 --> 00:20:52,160
Speaker 2: absolutely no sense. What do you mean funeral insurance? So

465
00:20:52,640 --> 00:20:55,000
Speaker 2: the amount of times I have spoken to people and

466
00:20:55,000 --> 00:20:57,920
Speaker 2: they're like, oh, we found out years later while going

467
00:20:57,960 --> 00:21:01,040
Speaker 2: through mums stuff that she had funeral insurance, but we

468
00:21:01,119 --> 00:21:03,720
Speaker 2: didn't know about that because the insurance company when she

469
00:21:03,760 --> 00:21:06,200
Speaker 2: passed away didn't step up, didn't notify us. We had

470
00:21:06,240 --> 00:21:08,720
Speaker 2: no information, it wasn't in her will, and they're not

471
00:21:08,720 --> 00:21:10,760
Speaker 2: going to pay it out if it's already happened, right,

472
00:21:11,080 --> 00:21:13,879
Speaker 2: And usually if you're getting funeral insurance, it might be

473
00:21:13,880 --> 00:21:15,800
Speaker 2: because you're a little bit older and you want to

474
00:21:15,800 --> 00:21:18,320
Speaker 2: look after your family and you're talked into this great policy.

475
00:21:18,359 --> 00:21:21,640
Speaker 2: But from my perspective, there's only two things in life

476
00:21:21,680 --> 00:21:24,800
Speaker 2: that are certain taxes and death. Why are we ensuring

477
00:21:24,880 --> 00:21:27,840
Speaker 2: for something that's guaranteed to happen. So, Like, we talk

478
00:21:27,880 --> 00:21:30,440
Speaker 2: about insurance a lot on this podcast, and obviously I'm

479
00:21:30,440 --> 00:21:32,840
Speaker 2: the biggest fan of income protection. I think it's the

480
00:21:32,880 --> 00:21:36,399
Speaker 2: best insurance for me personally, right, I think everybody should

481
00:21:36,400 --> 00:21:38,159
Speaker 2: be looking into whether they can get it or not.

482
00:21:38,600 --> 00:21:42,600
Speaker 2: But when an insurer gives you an insurance policy, they're

483
00:21:42,640 --> 00:21:44,480
Speaker 2: kind of hedging their bets. They're like, all right, beck,

484
00:21:44,760 --> 00:21:46,760
Speaker 2: you got any pre existing conditions. You'll be like no,

485
00:21:46,800 --> 00:21:48,800
Speaker 2: I'm fit and healthy. I'm great, And then they go, yeah,

486
00:21:48,800 --> 00:21:51,440
Speaker 2: all right, well we'll ensure you for X amount per month.

487
00:21:51,960 --> 00:21:54,600
Speaker 2: They're hedging their bets that nothing's going to happen to you,

488
00:21:54,640 --> 00:21:57,600
Speaker 2: because financially they're going to end up in the best

489
00:21:57,640 --> 00:22:00,920
Speaker 2: possible financial position if nothing happens to be and then

490
00:22:00,920 --> 00:22:03,040
Speaker 2: they might go, oh, yess, have you had anything happened

491
00:22:03,040 --> 00:22:05,320
Speaker 2: to you? And you might say, yeah, actually I rolled

492
00:22:05,320 --> 00:22:07,960
Speaker 2: my ankle a heap of times at netball, and that's compromise,

493
00:22:08,040 --> 00:22:09,880
Speaker 2: and they go, oh, jess, we're not going to cover

494
00:22:09,960 --> 00:22:12,600
Speaker 2: your ankle. We're going to exclude that because we don't

495
00:22:12,600 --> 00:22:15,040
Speaker 2: want the possibility of us having to pay you out

496
00:22:15,080 --> 00:22:20,119
Speaker 2: to increase death is guaranteed. Why are we in this

497
00:22:20,200 --> 00:22:24,160
Speaker 2: position where we are literally ensuring it in a way

498
00:22:24,240 --> 00:22:27,560
Speaker 2: that it gets paid out as an insurance premium.

499
00:22:27,160 --> 00:22:29,200
Speaker 5: Right, just like put money aside for the funeral.

500
00:22:29,320 --> 00:22:32,080
Speaker 2: Yeah, yeah, exactly. I feel like so many people get

501
00:22:32,080 --> 00:22:33,879
Speaker 2: taken for a ride because they're trying to do the

502
00:22:33,960 --> 00:22:36,240
Speaker 2: right thing and they get this beautiful policy and you know,

503
00:22:36,320 --> 00:22:38,880
Speaker 2: covers up to fifteen thousand dollars. That makes them feel

504
00:22:38,880 --> 00:22:42,800
Speaker 2: really good. But what the insurance policy is betting on

505
00:22:42,840 --> 00:22:44,760
Speaker 2: this is really morbid. Is it's going to take you

506
00:22:44,800 --> 00:22:47,439
Speaker 2: a really long time to die. That's what they're betting on.

507
00:22:47,640 --> 00:22:49,480
Speaker 2: They are betting on the fact that all right, Beck,

508
00:22:49,520 --> 00:22:51,880
Speaker 2: do you want to organize this funeral insurance? Okay, well

509
00:22:51,880 --> 00:22:54,760
Speaker 2: it's you know x amount per month. They're hoping that

510
00:22:54,880 --> 00:22:59,719
Speaker 2: you pay more in premiums before you die than what

511
00:22:59,760 --> 00:23:03,400
Speaker 2: that actually dying exactly right. So I think it's something

512
00:23:03,440 --> 00:23:05,159
Speaker 2: that we could all think about, and it's something that

513
00:23:05,240 --> 00:23:08,200
Speaker 2: you know, emergency funds as you get older could be

514
00:23:08,240 --> 00:23:10,840
Speaker 2: you know, allocated towards or making sure that you have

515
00:23:10,960 --> 00:23:13,080
Speaker 2: cash aside. But there's a lot I have to say

516
00:23:13,240 --> 00:23:17,000
Speaker 2: on the death industry. You could say and how during

517
00:23:17,240 --> 00:23:19,960
Speaker 2: times that people are most vulnerable. Because our listener is

518
00:23:20,000 --> 00:23:22,920
Speaker 2: vulnerable right now, right like she needs someone to grab

519
00:23:22,960 --> 00:23:24,439
Speaker 2: her by the hand and be like, I've got you

520
00:23:24,480 --> 00:23:26,760
Speaker 2: and I have your best interests at heart. But there

521
00:23:26,800 --> 00:23:28,440
Speaker 2: are a lot of people out there that would take

522
00:23:28,480 --> 00:23:30,400
Speaker 2: your hand and go, I've got your best interests at heart,

523
00:23:30,400 --> 00:23:34,119
Speaker 2: and they really don't. So it's so sad, a terrible

524
00:23:34,160 --> 00:23:37,120
Speaker 2: conversation to have, but it's one that genuinely as a community,

525
00:23:37,200 --> 00:23:39,639
Speaker 2: we need to have these conversations more often because you

526
00:23:39,640 --> 00:23:41,840
Speaker 2: could find yourself in a pickle. But there are lots

527
00:23:41,840 --> 00:23:43,919
Speaker 2: of things, As I said, there are a few different

528
00:23:43,960 --> 00:23:47,080
Speaker 2: bereavement services out there. Talk to your funeral home, talk

529
00:23:47,119 --> 00:23:49,520
Speaker 2: to your family, and actually just have an open, honest

530
00:23:49,560 --> 00:23:51,439
Speaker 2: monding conversation be like, this is putting a lot of

531
00:23:51,440 --> 00:23:53,840
Speaker 2: financial pressure on me. Maybe they don't even know.

532
00:23:54,800 --> 00:23:57,080
Speaker 4: Well, I didn't know, you wouldn't know.

533
00:23:57,160 --> 00:23:58,840
Speaker 5: Who know if you've never.

534
00:23:58,680 --> 00:24:00,719
Speaker 2: Been through it. I'm so glad that you've never been

535
00:24:00,760 --> 00:24:02,520
Speaker 2: through it. You've never been through it, and then you're

536
00:24:02,560 --> 00:24:04,400
Speaker 2: going through it like how you meant to know? Right?

537
00:24:05,359 --> 00:24:07,920
Speaker 6: Yeah, exactly. I think it's really solid advice. I really

538
00:24:08,119 --> 00:24:11,000
Speaker 6: do hope that she takes something out of that, and

539
00:24:11,560 --> 00:24:13,320
Speaker 6: I really am sorry for your circumstances.

540
00:24:13,400 --> 00:24:15,480
Speaker 4: We're sending you lots of love, lots of love.

541
00:24:15,359 --> 00:24:17,800
Speaker 2: To anyone going through circumstances like that. At the moment,

542
00:24:17,800 --> 00:24:20,320
Speaker 2: it's just really trashy. It's not a good place to be.

543
00:24:21,119 --> 00:24:24,280
Speaker 2: All right, Let's bring the mood up though, because that

544
00:24:24,440 --> 00:24:26,600
Speaker 2: was a really good segment. But we have to change

545
00:24:26,680 --> 00:24:31,360
Speaker 2: tunes completely because our dms got really lit up this

546
00:24:31,440 --> 00:24:33,480
Speaker 2: week because a lot of people have a lot of

547
00:24:33,520 --> 00:24:36,560
Speaker 2: things to say. So our community dilemma this week went

548
00:24:36,680 --> 00:24:40,920
Speaker 2: like this, High Team, I'm battling extreme levels of jealousy

549
00:24:41,000 --> 00:24:43,760
Speaker 2: that I haven't ever felt before. I'm really happy for

550
00:24:43,800 --> 00:24:47,119
Speaker 2: my housemate who's climbing the career ladder quite rapidly, which

551
00:24:47,160 --> 00:24:51,560
Speaker 2: she absolutely deserves. She's gotten a twenty thousand dollars pay rise,

552
00:24:51,600 --> 00:24:54,000
Speaker 2: and I'm so happy for her, but I can't help

553
00:24:54,080 --> 00:24:57,199
Speaker 2: but feel so jealous. I'm still studying and I make

554
00:24:57,280 --> 00:25:00,480
Speaker 2: around thirty seven thousand dollars a year. She is now

555
00:25:00,520 --> 00:25:03,680
Speaker 2: on a really good six figure salary, and I can't

556
00:25:03,720 --> 00:25:06,480
Speaker 2: help but feel annoyed when she texts me saying it's

557
00:25:06,520 --> 00:25:09,280
Speaker 2: my turn to buy toilet paper, et cetera, because she

558
00:25:09,400 --> 00:25:12,080
Speaker 2: just makes so much more money than me, and I

559
00:25:12,200 --> 00:25:14,359
Speaker 2: just think, why can't she help me out and buy it.

560
00:25:15,320 --> 00:25:18,879
Speaker 2: I guess I'm just wondering does equity apply in friendships

561
00:25:19,000 --> 00:25:24,160
Speaker 2: like it does in relationships? We did some polling, didn't we?

562
00:25:24,160 --> 00:25:26,560
Speaker 2: We did do some polling. So the first pole question

563
00:25:26,640 --> 00:25:29,840
Speaker 2: we asked was what's your current living situation? Fifteen percent

564
00:25:29,880 --> 00:25:32,440
Speaker 2: of you lucky ducks said you lived on your own.

565
00:25:32,960 --> 00:25:35,439
Speaker 6: Jealous, fourteen percent of you said that you lived in

566
00:25:35,480 --> 00:25:39,240
Speaker 6: a sharehouse. Sixty one percent of you you live with partners,

567
00:25:39,800 --> 00:25:43,000
Speaker 6: and ten percent of you are other, which I assume maybe,

568
00:25:43,160 --> 00:25:45,800
Speaker 6: like you know, random situations, live with parents.

569
00:25:45,840 --> 00:25:46,199
Speaker 4: Whatever.

570
00:25:46,800 --> 00:25:48,760
Speaker 2: The next question we asked you, guys, was if you

571
00:25:48,840 --> 00:25:50,919
Speaker 2: live with a partner, does one of you earn a

572
00:25:50,960 --> 00:25:53,720
Speaker 2: lot more than the other, and forty three percent of

573
00:25:53,760 --> 00:25:56,600
Speaker 2: you said yes, my partner earns more than me. Thirty

574
00:25:56,600 --> 00:25:59,040
Speaker 2: percent of you said yes, I earned more than my partner,

575
00:25:59,560 --> 00:26:03,880
Speaker 2: and twenty seven percent said we're actually pretty even tbh.

576
00:26:04,080 --> 00:26:06,199
Speaker 2: The next question we asked was, if you live in

577
00:26:06,240 --> 00:26:08,840
Speaker 2: a share house, do you have a housemate that makes

578
00:26:08,880 --> 00:26:11,280
Speaker 2: a lot more money than you? Thirty one percent of

579
00:26:11,280 --> 00:26:13,760
Speaker 2: you said yes, my housemate makes a lot more, thirty

580
00:26:13,800 --> 00:26:16,600
Speaker 2: three percent said I'm the housemate that makes a lot more,

581
00:26:17,440 --> 00:26:21,800
Speaker 2: thirty six percent said we are all on pretty even incomes.

582
00:26:21,880 --> 00:26:23,800
Speaker 4: That's pretty even split over response, I's pretty sure.

583
00:26:23,840 --> 00:26:25,720
Speaker 2: Yeah, that was like nice, little thirds.

584
00:26:25,800 --> 00:26:26,240
Speaker 8: I liked.

585
00:26:26,320 --> 00:26:30,400
Speaker 2: That made my little math's brain very happy. But guys,

586
00:26:30,440 --> 00:26:34,159
Speaker 2: before we go to the community spicy responses, what are

587
00:26:34,240 --> 00:26:34,920
Speaker 2: your thoughts?

588
00:26:35,880 --> 00:26:39,840
Speaker 4: I just I'm trying to be nice. I just don't

589
00:26:40,080 --> 00:26:44,240
Speaker 4: know why. I understand the jealousy absolutely, Like I can

590
00:26:44,280 --> 00:26:46,800
Speaker 4: see how being in close proximity to someone that you

591
00:26:46,960 --> 00:26:50,240
Speaker 4: perceive to be doing better than you absolutely can raise

592
00:26:50,280 --> 00:26:53,280
Speaker 4: those feelings, and that's very normal. I think the thing

593
00:26:53,359 --> 00:26:57,520
Speaker 4: to consider here is, though you're not that person's responsibility,

594
00:26:57,640 --> 00:27:00,240
Speaker 4: and as much as your housemates and your friends, and yes,

595
00:27:00,280 --> 00:27:03,119
Speaker 4: we want to look out for our friends. Ultimately, she

596
00:27:03,280 --> 00:27:05,199
Speaker 4: is in that place because of the choices that she

597
00:27:05,520 --> 00:27:07,840
Speaker 4: has made, and she's not a millionaire. Like if you've

598
00:27:07,880 --> 00:27:10,080
Speaker 4: got if you've got so much money that spending money

599
00:27:10,080 --> 00:27:12,359
Speaker 4: on things doesn't matter to you, you're probably not living

600
00:27:12,359 --> 00:27:15,280
Speaker 4: with a housemate. So even though if you are, you're

601
00:27:15,320 --> 00:27:17,879
Speaker 4: probably living some kind of sex in the city lifestyle

602
00:27:17,920 --> 00:27:19,919
Speaker 4: that we want to know about it. Yeah, so I

603
00:27:20,000 --> 00:27:23,360
Speaker 4: feel like, yes, potentially she's earning six figures, but does

604
00:27:23,400 --> 00:27:25,879
Speaker 4: she have Hex's debt, does she have other debt? Is

605
00:27:25,920 --> 00:27:28,359
Speaker 4: she saving for something that means her budget is really strict?

606
00:27:28,920 --> 00:27:31,960
Speaker 4: I just I don't think it is reasonable to make

607
00:27:32,160 --> 00:27:35,679
Speaker 4: yourself somebody else's financial response. And yes, the cost of

608
00:27:35,720 --> 00:27:40,240
Speaker 4: toilet paper is arguably negligible, but if you're using it equally,

609
00:27:40,359 --> 00:27:42,880
Speaker 4: in my opinion, it should be split equally. The only

610
00:27:42,920 --> 00:27:44,680
Speaker 4: time that is different is if you're with a partner,

611
00:27:44,720 --> 00:27:46,639
Speaker 4: and in that situation, it's more about.

612
00:27:46,960 --> 00:27:48,640
Speaker 2: Parker's hot Is that what you mean?

613
00:27:49,920 --> 00:27:52,720
Speaker 4: It's more about joint finance's joint goals and the money

614
00:27:52,800 --> 00:27:56,520
Speaker 4: is pulled and shared, Whereas if you're living with a housemte,

615
00:27:56,760 --> 00:28:01,840
Speaker 4: you're operating I'm assuming independently financial and as human beings. Yeah,

616
00:28:02,000 --> 00:28:03,920
Speaker 4: that's where I feel like the big difference is, Yeah,

617
00:28:04,119 --> 00:28:08,320
Speaker 4: I can't fathom going you earn more than me and

618
00:28:08,359 --> 00:28:10,959
Speaker 4: therefore you need to buy me things. Yeah, I do

619
00:28:11,040 --> 00:28:13,280
Speaker 4: agree with that, even though I'm kind of oversimplifying it.

620
00:28:13,359 --> 00:28:15,160
Speaker 2: Do you know, No, Man, that's kind of it. Why

621
00:28:15,200 --> 00:28:17,879
Speaker 2: can't you help me out? And like that's me reading

622
00:28:17,880 --> 00:28:20,159
Speaker 2: into the tone of the message, I suppose, and I

623
00:28:20,200 --> 00:28:23,160
Speaker 2: really shouldn't do that. But the idea that you think

624
00:28:23,240 --> 00:28:25,680
Speaker 2: she owes you toilet paper, because you use that as

625
00:28:25,680 --> 00:28:28,440
Speaker 2: an example, like, I've got my opinions and I'm actually

626
00:28:28,440 --> 00:28:31,520
Speaker 2: gonna wait until Beck's there. But the idea that she

627
00:28:31,720 --> 00:28:34,479
Speaker 2: owes you that makes you a blood boil.

628
00:28:34,720 --> 00:28:37,879
Speaker 5: Yeah, I think that's the thing. But it's I totally

629
00:28:37,880 --> 00:28:38,760
Speaker 5: get it as well, Jess.

630
00:28:38,800 --> 00:28:41,320
Speaker 6: Like, as you said, I know that feeling of feeling

631
00:28:41,440 --> 00:28:45,320
Speaker 6: so like, how are you there in your life? Yeah,

632
00:28:45,360 --> 00:28:47,760
Speaker 6: I'm here, and you just feel really inadequate and really

633
00:28:47,760 --> 00:28:51,720
Speaker 6: really crappy. So I completely that feeling that on its

634
00:28:51,720 --> 00:28:54,720
Speaker 6: own totally fine. If you're in a sharehouse and like,

635
00:28:54,800 --> 00:28:57,120
Speaker 6: let's say this person, you know they made it twenty

636
00:28:57,160 --> 00:29:00,920
Speaker 6: thousand dollars pay rise and now they're expected to up there.

637
00:29:01,360 --> 00:29:02,240
Speaker 5: I suppose like what.

638
00:29:02,160 --> 00:29:04,040
Speaker 6: They're contributing to the house, and like it's like the

639
00:29:04,160 --> 00:29:06,520
Speaker 6: expenses have gone up and then their pay's gone up,

640
00:29:06,560 --> 00:29:08,000
Speaker 6: and like they're kind of just breaking even, you know

641
00:29:08,000 --> 00:29:09,920
Speaker 6: what I mean. I know that buying toilet paper isn't

642
00:29:09,960 --> 00:29:12,200
Speaker 6: gonna it's they're not gonna be breaking even there. But

643
00:29:12,320 --> 00:29:15,400
Speaker 6: like if if you're expecting that of someone who's made

644
00:29:15,840 --> 00:29:19,320
Speaker 6: a twenty k pay rise to then chip in way

645
00:29:19,360 --> 00:29:21,040
Speaker 6: more for the house and chip in way more for

646
00:29:21,080 --> 00:29:22,800
Speaker 6: like going out for drinks with mates and chipping in,

647
00:29:22,840 --> 00:29:23,440
Speaker 6: Like where does where do.

648
00:29:23,440 --> 00:29:24,080
Speaker 5: You draw the line?

649
00:29:24,440 --> 00:29:26,760
Speaker 6: He's just saying, like, oh, maybe they're like hounding me

650
00:29:26,840 --> 00:29:29,520
Speaker 6: for you know, to buy toilet roll and things like that.

651
00:29:30,560 --> 00:29:33,440
Speaker 6: I get that that can be annoying, But where do

652
00:29:33,480 --> 00:29:35,080
Speaker 6: you draw the line if they if you're saying they

653
00:29:35,080 --> 00:29:36,640
Speaker 6: need to buy the they should buy the toilet roll

654
00:29:36,640 --> 00:29:38,640
Speaker 6: if they if we're lacking, they should buy this. If

655
00:29:38,640 --> 00:29:42,120
Speaker 6: we're lacking, Like what are you expecting from them? You know,

656
00:29:42,280 --> 00:29:45,120
Speaker 6: they've just they've done this really cool thing. They've got

657
00:29:45,120 --> 00:29:47,400
Speaker 6: a huge pay rise, you know, just celebrate that and

658
00:29:47,400 --> 00:29:50,640
Speaker 6: everything else should be exactly the same. Just split everything,

659
00:29:50,760 --> 00:29:51,440
Speaker 6: Just split everything.

660
00:29:51,440 --> 00:29:56,840
Speaker 4: You're in a share house, yeah you share, that's it,

661
00:29:57,360 --> 00:29:59,360
Speaker 4: Jump on beam it and just split everything.

662
00:30:00,160 --> 00:30:03,120
Speaker 2: I couldn't agree more. I feel like you guys that Like,

663
00:30:03,200 --> 00:30:05,800
Speaker 2: I'm just going to basically reiterate everything that you said.

664
00:30:06,440 --> 00:30:10,160
Speaker 2: The fact that you know about your housemate's salary increase, though,

665
00:30:10,480 --> 00:30:13,360
Speaker 2: that's a privilege, not every you don't deserve to know

666
00:30:13,440 --> 00:30:17,400
Speaker 2: about her financial circumstances. She was probably so excited to

667
00:30:17,440 --> 00:30:19,880
Speaker 2: share that with you and was like, oh my gosh,

668
00:30:19,960 --> 00:30:22,560
Speaker 2: v I got this pay rise and I'm so excited

669
00:30:22,600 --> 00:30:25,280
Speaker 2: about it. That didn't mean that she was telling you

670
00:30:25,320 --> 00:30:27,720
Speaker 2: so she could afford to pay for more things for you.

671
00:30:28,120 --> 00:30:31,160
Speaker 2: She's you know, excited about her journey. And you know

672
00:30:31,360 --> 00:30:33,800
Speaker 2: we were saying before that, oh she did this really

673
00:30:33,840 --> 00:30:36,200
Speaker 2: good thing. That doesn't mean you're not doing really good things.

674
00:30:36,200 --> 00:30:38,600
Speaker 2: It just means you're on different journeys. Like maybe your

675
00:30:38,640 --> 00:30:41,440
Speaker 2: time hasn't come to have that income yet because you're

676
00:30:41,480 --> 00:30:43,920
Speaker 2: still at UNI. And I remember when I was at UNI.

677
00:30:44,320 --> 00:30:46,880
Speaker 2: It's crazy. I was at UNI. I was earning a

678
00:30:46,920 --> 00:30:49,840
Speaker 2: fair bit because I was working so many hours. It's

679
00:30:49,920 --> 00:30:51,920
Speaker 2: just like a retail job, but for a Uni student.

680
00:30:52,080 --> 00:30:55,600
Speaker 2: I wasn't like super you know, living on rice and

681
00:30:55,680 --> 00:30:58,160
Speaker 2: noodles all the time. I had enough money to buy,

682
00:30:58,320 --> 00:31:01,160
Speaker 2: you know, the nicer groceries. But I lived with a

683
00:31:01,160 --> 00:31:04,000
Speaker 2: housemate who was working full time, and at no point

684
00:31:04,040 --> 00:31:07,000
Speaker 2: did I ever expect them to contribute more. Like it

685
00:31:07,040 --> 00:31:10,680
Speaker 2: was just not the situation. It's just you pay for

686
00:31:10,720 --> 00:31:13,440
Speaker 2: your stuff. I'll pay for my stuff. We're housemates, and

687
00:31:13,480 --> 00:31:16,440
Speaker 2: I guess it comes down to I've been asked similar

688
00:31:16,480 --> 00:31:20,480
Speaker 2: questions historically, and I do not believe that you should

689
00:31:20,480 --> 00:31:23,120
Speaker 2: have any level of financial dependency on someone that you're

690
00:31:23,120 --> 00:31:26,480
Speaker 2: not building a financial future with. Like if Jess moved

691
00:31:26,480 --> 00:31:29,080
Speaker 2: in with me, I would expect her to pay the

692
00:31:29,120 --> 00:31:32,640
Speaker 2: rent that we agreed to contribute equally to the household bills,

693
00:31:32,640 --> 00:31:35,320
Speaker 2: and if the household chores and whatever else is going on,

694
00:31:35,840 --> 00:31:38,040
Speaker 2: whether I earned more or she earned more, I don't

695
00:31:38,040 --> 00:31:40,400
Speaker 2: only think it matters because we entered into this agreement

696
00:31:40,440 --> 00:31:43,160
Speaker 2: when Jess moved in with me. I'm not paying more

697
00:31:43,200 --> 00:31:45,719
Speaker 2: of Jess's stuff, and vice versa. Just isn't paying more

698
00:31:45,760 --> 00:31:48,360
Speaker 2: of my stuff because we don't have shared big financial

699
00:31:48,400 --> 00:31:51,440
Speaker 2: life goals. No, I'm not saving for a home with Jess.

700
00:31:51,480 --> 00:31:54,560
Speaker 2: I'm not, you know, saving my emergency fund for Jess.

701
00:31:54,600 --> 00:31:56,920
Speaker 2: I'm not doing those things. I'm doing that for me.

702
00:31:57,400 --> 00:32:00,440
Speaker 2: And then I get in a relationship with Steve, that

703
00:32:00,560 --> 00:32:03,120
Speaker 2: dynamic can change because now Steve and I are on

704
00:32:03,560 --> 00:32:06,840
Speaker 2: the same life path just and I aren't. What happens

705
00:32:06,840 --> 00:32:10,120
Speaker 2: if I, you know, like, let's slip it, Let's flip it,

706
00:32:10,120 --> 00:32:12,360
Speaker 2: and I'm I'm really happy to pay for Jess. Let's

707
00:32:12,400 --> 00:32:14,720
Speaker 2: pretend that I'm the most generous person in the entire

708
00:32:14,720 --> 00:32:16,600
Speaker 2: world and just moves in with me, and I go, oh, Jess,

709
00:32:16,600 --> 00:32:17,719
Speaker 2: you don't know and as much as me, So I'm

710
00:32:17,720 --> 00:32:21,880
Speaker 2: going to pay for everything. Is that creating a financially

711
00:32:22,160 --> 00:32:25,240
Speaker 2: independent woman who needs no man don't have.

712
00:32:25,240 --> 00:32:26,360
Speaker 4: A power imbalance as well?

713
00:32:26,480 --> 00:32:29,200
Speaker 2: There's a massive power imbalance to that, Like, I'm I

714
00:32:29,200 --> 00:32:31,360
Speaker 2: don't want to pay for your stuff because above and

715
00:32:31,400 --> 00:32:34,400
Speaker 2: beyond the fact that it's not my responsibility, I'm not

716
00:32:34,480 --> 00:32:38,240
Speaker 2: your parents, you're not in minor. That creates a power balance.

717
00:32:38,240 --> 00:32:39,280
Speaker 2: What are you going to ever move out?

718
00:32:39,360 --> 00:32:39,520
Speaker 4: Jess?

719
00:32:39,560 --> 00:32:44,479
Speaker 2: You've probably got it too good. I just I feel

720
00:32:44,520 --> 00:32:47,560
Speaker 2: like the toilet paper really grinds my gears as well,

721
00:32:47,560 --> 00:32:51,760
Speaker 2: because that's an equal use basic necessity of a household, right,

722
00:32:51,840 --> 00:32:55,400
Speaker 2: like you should be paying for that. But that's where

723
00:32:55,440 --> 00:32:59,800
Speaker 2: I draw the line, Like sharing expenses fine, but if

724
00:32:59,800 --> 00:33:03,240
Speaker 2: you're more wealthy, housemate comes home and says, oh, Yess,

725
00:33:03,720 --> 00:33:05,960
Speaker 2: I want to get Uber eats Friday night. Had the

726
00:33:06,000 --> 00:33:07,920
Speaker 2: biggest week at work and you know, I can't really

727
00:33:08,000 --> 00:33:10,040
Speaker 2: afford it, and they still really want to do it.

728
00:33:10,360 --> 00:33:13,720
Speaker 2: I think that's their expense. I don't mean that, oh,

729
00:33:13,760 --> 00:33:15,720
Speaker 2: you shouldn't be contributing to it, but if they want

730
00:33:15,760 --> 00:33:18,000
Speaker 2: to go do an activity and I go, no, Jess,

731
00:33:18,040 --> 00:33:20,120
Speaker 2: I really want to do it with you. I think

732
00:33:20,120 --> 00:33:22,320
Speaker 2: that your housemates should be paying for that experience if

733
00:33:22,360 --> 00:33:24,120
Speaker 2: it's not in your budget and you've been clear about

734
00:33:24,120 --> 00:33:26,320
Speaker 2: what that looks like and how that works, because that's

735
00:33:26,360 --> 00:33:29,480
Speaker 2: not fair, Like that's not fair to then be like, oh,

736
00:33:29,560 --> 00:33:33,239
Speaker 2: I want Jess to match my lifestyle. Ye when she

737
00:33:33,280 --> 00:33:36,280
Speaker 2: doesn't have that income to support that lifestyle. I think

738
00:33:36,320 --> 00:33:39,080
Speaker 2: then you know, maybe go hang out with your friends

739
00:33:39,080 --> 00:33:41,560
Speaker 2: who can afford ubreats if you want to split it equally.

740
00:33:41,840 --> 00:33:44,240
Speaker 2: But you know, I love hanging out with somebody who

741
00:33:44,280 --> 00:33:46,680
Speaker 2: isn't on the stay. I will pay for that experience,

742
00:33:47,080 --> 00:33:49,440
Speaker 2: And I think that that can extend to housemates, like

743
00:33:49,520 --> 00:33:51,640
Speaker 2: if they were arguing that they need the most expensive

744
00:33:51,680 --> 00:33:52,600
Speaker 2: toilet paper.

745
00:33:52,760 --> 00:33:55,600
Speaker 4: Yeah, I'm just gonna say that's the upgrading of product day.

746
00:33:55,720 --> 00:33:57,280
Speaker 4: It's like if you're like, I just want home brand

747
00:33:57,280 --> 00:34:00,160
Speaker 4: one ply, I don't care sandpaper, but toilet paper. It's

748
00:34:00,160 --> 00:34:02,400
Speaker 4: in my budget and that's fine, and their friends like

749
00:34:02,480 --> 00:34:07,360
Speaker 4: I want the gold rimmed, yeah, hand woven toilet paper,

750
00:34:07,400 --> 00:34:08,880
Speaker 4: then you're okay, that's a different story.

751
00:34:09,000 --> 00:34:11,759
Speaker 2: Yeah, exactly. Like I just I'm making the assumption that

752
00:34:11,800 --> 00:34:13,920
Speaker 2: it's just like base level, like we're just buying the

753
00:34:13,960 --> 00:34:16,960
Speaker 2: stuff that you know, both of you would normally buy anyway,

754
00:34:17,520 --> 00:34:20,280
Speaker 2: It's not yeah, the upgrade. We're not going from having

755
00:34:20,320 --> 00:34:22,840
Speaker 2: you know, a normal dinner to oh well, actually my

756
00:34:22,920 --> 00:34:26,800
Speaker 2: housemate keeps putting salmon philets on the weekly grocery budget

757
00:34:26,840 --> 00:34:28,960
Speaker 2: and I have to split that. Like, to me, that's

758
00:34:29,000 --> 00:34:32,000
Speaker 2: a different story if they were expecting you to match

759
00:34:32,040 --> 00:34:32,839
Speaker 2: their lifestyle.

760
00:34:33,200 --> 00:34:35,560
Speaker 4: Also she's texting you to say it's your turn for

761
00:34:35,640 --> 00:34:39,759
Speaker 4: toilet paper. I'm just setting carrying the mental load a

762
00:34:39,760 --> 00:34:41,520
Speaker 4: little bit there too, because like I've been in that

763
00:34:41,560 --> 00:34:45,040
Speaker 4: situation in a housemate setting where one person is always

764
00:34:45,080 --> 00:34:47,520
Speaker 4: the one who notices that something's missing or notices that

765
00:34:47,560 --> 00:34:49,319
Speaker 4: you're about to run out, and is therefore then the

766
00:34:49,320 --> 00:34:52,400
Speaker 4: person who starts carrying the load, because they're always the

767
00:34:52,440 --> 00:34:52,719
Speaker 4: one that.

768
00:34:52,719 --> 00:34:55,080
Speaker 2: Goes, oh yeah, if she's texting you asking you to

769
00:34:55,160 --> 00:34:57,239
Speaker 2: do it and you have yeah, you're right. I feel

770
00:34:57,239 --> 00:35:00,600
Speaker 2: like the DM didn't expect us to have this response

771
00:35:00,640 --> 00:35:05,080
Speaker 2: when what about your house mate? Yeah? But yeah, do

772
00:35:05,080 --> 00:35:07,719
Speaker 2: you know what? I used to be the housemate that

773
00:35:07,760 --> 00:35:10,640
Speaker 2: would text people be like, hey, it's your turn to X.

774
00:35:11,040 --> 00:35:11,560
Speaker 4: Yeah.

775
00:35:11,719 --> 00:35:15,880
Speaker 2: Also, as somebody who sometimes has earned more than some

776
00:35:15,960 --> 00:35:19,560
Speaker 2: of my friends, I am so happy to be generous.

777
00:35:19,800 --> 00:35:22,600
Speaker 2: I actually love it. I really love being able to

778
00:35:22,640 --> 00:35:24,480
Speaker 2: be like, oh no, Beck, I'll grab a coffee or

779
00:35:24,560 --> 00:35:26,640
Speaker 2: you know, oh Jess, I'll do this, Like that's fine.

780
00:35:27,080 --> 00:35:28,600
Speaker 2: Second you expect it, I'll cut you off.

781
00:35:28,880 --> 00:35:29,080
Speaker 1: Yeah.

782
00:35:29,360 --> 00:35:32,279
Speaker 2: The second anybody's like, oh, well we can pay, I

783
00:35:32,360 --> 00:35:34,520
Speaker 2: do not think so. Yeah, that is not how this

784
00:35:34,680 --> 00:35:35,640
Speaker 2: relationship works.

785
00:35:35,800 --> 00:35:36,600
Speaker 5: That's so true.

786
00:35:36,600 --> 00:35:38,279
Speaker 2: Does that make sense? And I feel like that's a

787
00:35:38,320 --> 00:35:41,080
Speaker 2: really common like if you're doing that to your housemate,

788
00:35:41,120 --> 00:35:43,440
Speaker 2: your housemate has picked up on that vibe. If I

789
00:35:43,480 --> 00:35:45,840
Speaker 2: was your housemate, I'd be like, no, got off?

790
00:35:47,239 --> 00:35:50,239
Speaker 6: So what did everyone else say to that we're being

791
00:35:50,320 --> 00:35:54,080
Speaker 6: really gentlest.

792
00:35:55,000 --> 00:35:58,680
Speaker 2: So someone DMed us. I'm not even reading a lot

793
00:35:58,719 --> 00:36:02,000
Speaker 2: of the responses that came through in our like our

794
00:36:02,080 --> 00:36:05,000
Speaker 2: question box, because it's too short. Everybody actually just sent

795
00:36:05,080 --> 00:36:08,239
Speaker 2: us along with the DM. So sit down. Oh hell no,

796
00:36:08,760 --> 00:36:13,040
Speaker 2: she is financially responsible for her friends. Everyone has choices,

797
00:36:13,080 --> 00:36:19,040
Speaker 2: and she chose to study in e minimal money wid Oh, like,

798
00:36:19,360 --> 00:36:22,960
Speaker 2: everyone does have choices, Like, of course you chose to study.

799
00:36:23,239 --> 00:36:26,920
Speaker 2: Of course, the choice to study means compromising other areas

800
00:36:26,920 --> 00:36:30,440
Speaker 2: of your life. But I feel like it's just everyone's

801
00:36:30,440 --> 00:36:32,400
Speaker 2: on a different journey and that's okay. I mean that

802
00:36:32,480 --> 00:36:36,200
Speaker 2: was a aggressive response. That's fine. Someone else said, when

803
00:36:36,280 --> 00:36:38,880
Speaker 2: you moved in with your housemate, you agreed to split

804
00:36:38,960 --> 00:36:42,800
Speaker 2: expenses equally. If you don't have shared finances or financial goals,

805
00:36:42,800 --> 00:36:46,000
Speaker 2: it needs to stay equal. Your housemates shouldn't have to

806
00:36:46,000 --> 00:36:48,839
Speaker 2: carry more of a load because they have more resources.

807
00:36:49,200 --> 00:36:51,239
Speaker 2: It would be nice of them if they did, but

808
00:36:51,360 --> 00:36:54,080
Speaker 2: they may be working hard towards a goal where every

809
00:36:54,080 --> 00:36:57,200
Speaker 2: single saint counts. My husband can't work right now, and

810
00:36:57,280 --> 00:36:59,680
Speaker 2: I pay for everything because we are a team and

811
00:36:59,760 --> 00:37:03,560
Speaker 2: have entirely shared finances. But if he was my roommate,

812
00:37:03,680 --> 00:37:06,279
Speaker 2: I wouldn't be paying his way. I know they may

813
00:37:06,320 --> 00:37:09,279
Speaker 2: seem like small things, but if that's what you'd agreed on,

814
00:37:09,560 --> 00:37:14,000
Speaker 2: you need to respect them and their finances. I like

815
00:37:14,080 --> 00:37:16,400
Speaker 2: the comment where she said, I'm paying for my husband

816
00:37:16,480 --> 00:37:17,960
Speaker 2: for everything if he was my housemate.

817
00:37:18,080 --> 00:37:21,040
Speaker 4: Hell no, that's like a clear in my mind, there

818
00:37:21,080 --> 00:37:25,600
Speaker 4: is a clear delineation between you working towards something with

819
00:37:25,640 --> 00:37:28,160
Speaker 4: someone and you just kind of coexisting in the same space,

820
00:37:28,200 --> 00:37:31,719
Speaker 4: and housemates are coexisting doing their best, but on their

821
00:37:31,760 --> 00:37:34,680
Speaker 4: own path, and therefore you should be responsible for your

822
00:37:34,719 --> 00:37:36,840
Speaker 4: and shit. Yeah. Yeah.

823
00:37:37,239 --> 00:37:41,040
Speaker 2: Another person said in a sharehouse, split everything evenly and

824
00:37:41,200 --> 00:37:43,799
Speaker 2: make a toilet paper roster. I feel like this is

825
00:37:43,800 --> 00:37:45,000
Speaker 2: getting petty, like a.

826
00:37:44,960 --> 00:37:49,120
Speaker 6: Star chart if they're pap roster like I have lived

827
00:37:49,160 --> 00:37:50,399
Speaker 6: in a house with a star chart before.

828
00:37:51,120 --> 00:37:54,439
Speaker 2: No, you have not, have you? Yes, a star chart?

829
00:37:54,600 --> 00:37:57,239
Speaker 4: I implemented, that's really cute.

830
00:37:58,760 --> 00:38:01,640
Speaker 2: How did you get cute? You get too regressive as hell, Jesse,

831
00:38:01,719 --> 00:38:03,000
Speaker 2: Why did we have star charts?

832
00:38:03,040 --> 00:38:05,960
Speaker 4: There were two housemates who were doing it all, carrying

833
00:38:06,000 --> 00:38:08,080
Speaker 4: the load, and there was one housemate who was just

834
00:38:08,320 --> 00:38:11,160
Speaker 4: not at it with the naughty kid. Yeah, exactly, And

835
00:38:11,200 --> 00:38:14,120
Speaker 4: it's when there are three girls sharing a bathroom. You

836
00:38:14,160 --> 00:38:17,040
Speaker 4: know what, Sometimes you just got to find a way

837
00:38:17,040 --> 00:38:18,320
Speaker 4: to equalize it, because.

838
00:38:18,040 --> 00:38:18,840
Speaker 5: It's that's fair.

839
00:38:19,040 --> 00:38:20,759
Speaker 2: What do you get if you filled up your star chart?

840
00:38:21,040 --> 00:38:22,960
Speaker 4: Ah, when it wasn't that fun of a star chart.

841
00:38:23,040 --> 00:38:25,480
Speaker 4: It was it if you get stars, it's that I

842
00:38:25,560 --> 00:38:26,640
Speaker 4: did my chores this week.

843
00:38:27,800 --> 00:38:28,840
Speaker 5: That's so cute.

844
00:38:28,880 --> 00:38:29,760
Speaker 4: That's very embarrassing.

845
00:38:29,880 --> 00:38:32,399
Speaker 2: Hot girlshit, hot girl shit, all right, so this one

846
00:38:32,440 --> 00:38:35,000
Speaker 2: instead in a sharehouse, split everything evenly and make a

847
00:38:35,000 --> 00:38:37,839
Speaker 2: toilet paper roster. It helps people feel like they're not

848
00:38:37,880 --> 00:38:40,000
Speaker 2: the only one buying, and you just get into a

849
00:38:40,040 --> 00:38:44,000
Speaker 2: mechanical routine. It's not personal and not a repeated internal battle.

850
00:38:44,360 --> 00:38:48,400
Speaker 2: Any super outstanding extras that only one person uses. So

851
00:38:48,520 --> 00:38:51,000
Speaker 2: for example, my housemate has a car, so she gets

852
00:38:51,120 --> 00:38:54,320
Speaker 2: car space, they can pay extra. If it's only one slight,

853
00:38:54,640 --> 00:38:57,399
Speaker 2: one person uses air con slightly more than the other,

854
00:38:57,719 --> 00:38:59,800
Speaker 2: then that's just life, and it's fair to split it

855
00:39:00,000 --> 00:39:02,080
Speaker 2: even at the end of the day. That's what you

856
00:39:02,160 --> 00:39:05,440
Speaker 2: agreed to, regardless of incomes or whether someone is profiting

857
00:39:05,480 --> 00:39:07,840
Speaker 2: slash playing less or more because they're subleasing.

858
00:39:08,120 --> 00:39:09,919
Speaker 4: That's a very thorough covers it all.

859
00:39:10,239 --> 00:39:10,439
Speaker 8: Yeah.

860
00:39:11,200 --> 00:39:15,279
Speaker 2: Someone then said I feel like the way or the

861
00:39:15,360 --> 00:39:18,360
Speaker 2: tone of some of these messages is just not vibing

862
00:39:18,440 --> 00:39:21,799
Speaker 2: with me, Like I feel like I'm being personally attacked. Yeah,

863
00:39:21,880 --> 00:39:22,719
Speaker 2: even though I'm not.

864
00:39:22,880 --> 00:39:23,600
Speaker 5: Kind of scary.

865
00:39:23,760 --> 00:39:25,840
Speaker 4: We've all had a shit housemate and it's.

866
00:39:28,160 --> 00:39:31,200
Speaker 2: Yeah, okay, So this one said your choices have left

867
00:39:31,200 --> 00:39:34,319
Speaker 2: you with a lower income. That's not her responsibility to

868
00:39:34,320 --> 00:39:36,560
Speaker 2: pay for you. I say this because I have been

869
00:39:36,640 --> 00:39:39,720
Speaker 2: both the friends in this situation. She probably has goals

870
00:39:39,760 --> 00:39:42,000
Speaker 2: and she shouldn't have to compromise them because you're a

871
00:39:42,080 --> 00:39:44,920
Speaker 2: UNI student who just earns less. I'm saying this as

872
00:39:44,960 --> 00:39:47,520
Speaker 2: I'm now a full time UNI student who actually earns

873
00:39:47,560 --> 00:39:50,360
Speaker 2: seventy thousand dollars a year, which in itself is a

874
00:39:50,440 --> 00:39:53,040
Speaker 2: very privileged position to be. I like that you've disclaimed

875
00:39:53,040 --> 00:39:55,680
Speaker 2: it that thank you, But I wouldn't expect my friends

876
00:39:55,680 --> 00:39:58,080
Speaker 2: to be buying things for me just because they earn more,

877
00:39:58,120 --> 00:40:00,960
Speaker 2: and being a UNI student working full time, it's really hard.

878
00:40:01,239 --> 00:40:03,239
Speaker 2: I want to use any excess I have in my

879
00:40:03,320 --> 00:40:05,640
Speaker 2: income to get a head in life and on myself,

880
00:40:05,680 --> 00:40:06,960
Speaker 2: which I think is very fair.

881
00:40:08,960 --> 00:40:11,440
Speaker 4: Slong and short of it is, sorry to tell you this,

882
00:40:11,600 --> 00:40:14,479
Speaker 4: but no, she's not in a favor doile of favor.

883
00:40:14,719 --> 00:40:17,759
Speaker 2: Yeah, there were lots of other messages that said, this

884
00:40:17,960 --> 00:40:21,480
Speaker 2: is gross, this is weird, this really irks me, And

885
00:40:21,560 --> 00:40:24,120
Speaker 2: I think I think it does because, as you said, yes,

886
00:40:24,200 --> 00:40:26,440
Speaker 2: we've all had a shitty housemate. Remember the time I

887
00:40:26,480 --> 00:40:29,240
Speaker 2: told you about my housemate who decided to become vegan

888
00:40:29,320 --> 00:40:31,880
Speaker 2: one weekend and throughout all of the food in my

889
00:40:32,040 --> 00:40:35,040
Speaker 2: freeze us. Yeah, like we've all been there, right. She

890
00:40:35,080 --> 00:40:37,240
Speaker 2: also used to borrow my underwear, but that's a different

891
00:40:37,280 --> 00:40:41,040
Speaker 2: story for a different very bad But I do think

892
00:40:41,080 --> 00:40:43,960
Speaker 2: that that conversation, it kind of makes sense that it

893
00:40:44,000 --> 00:40:46,000
Speaker 2: came up in our community because it's kind of like, oh,

894
00:40:46,040 --> 00:40:47,960
Speaker 2: I can see why, you know, if you're in a

895
00:40:48,000 --> 00:40:49,719
Speaker 2: position where you're like, oh, I'm just finding it really

896
00:40:49,719 --> 00:40:51,799
Speaker 2: hard to make ends meat and she's not, Like I

897
00:40:51,800 --> 00:40:54,279
Speaker 2: can see why that's come up because we always have

898
00:40:54,360 --> 00:40:58,200
Speaker 2: the conversation about equity versus equality in relationships, and I

899
00:40:58,239 --> 00:41:01,160
Speaker 2: do believe that those things need to be taken into consideration.

900
00:41:01,360 --> 00:41:04,120
Speaker 2: Like I don't believe that if your partner earns your

901
00:41:04,360 --> 00:41:07,480
Speaker 2: your life partner earns more money than you, that it

902
00:41:07,480 --> 00:41:09,839
Speaker 2: should be split fifty to fifty. I just don't think

903
00:41:09,880 --> 00:41:13,160
Speaker 2: that that is an equitable way of creating I guess

904
00:41:13,400 --> 00:41:16,640
Speaker 2: independence and an equitable relationship. I do think that things

905
00:41:16,640 --> 00:41:18,560
Speaker 2: should be split a little bit differently, but I do

906
00:41:18,640 --> 00:41:21,360
Speaker 2: not believe that that should happen in a housemate situation,

907
00:41:22,040 --> 00:41:25,319
Speaker 2: Like you've got no idea. Also, you're only making that

908
00:41:25,360 --> 00:41:28,480
Speaker 2: assumption because you know what she earns. Yeah, that circumstance

909
00:41:28,560 --> 00:41:30,880
Speaker 2: would not be different if she'd never disclosed what she

910
00:41:30,960 --> 00:41:32,840
Speaker 2: was earning and you just made an assumption she was

911
00:41:32,880 --> 00:41:34,960
Speaker 2: also on thirty seven thousand dollars because she was in

912
00:41:34,960 --> 00:41:38,000
Speaker 2: a grab position, right, that wouldn't have come up. And

913
00:41:38,200 --> 00:41:41,640
Speaker 2: money is private. Money is often really secret. Like, how

914
00:41:41,680 --> 00:41:44,479
Speaker 2: do you know that your other housemate that is also

915
00:41:44,640 --> 00:41:46,680
Speaker 2: UNI with you and you haven't spoken to her? You

916
00:41:46,760 --> 00:41:48,719
Speaker 2: just assume she has not as much money as you.

917
00:41:48,840 --> 00:41:50,839
Speaker 2: How do you know she doesn't have a trust fund? Yeah,

918
00:41:50,880 --> 00:41:53,400
Speaker 2: and she's actually worth millions. She just hasn't said anything

919
00:41:53,440 --> 00:41:56,360
Speaker 2: because she's managing her money. Well, maybe she's actually not

920
00:41:56,600 --> 00:41:59,080
Speaker 2: your business exactly. Maybe she's Beyonce and you just don't know.

921
00:41:59,520 --> 00:42:02,719
Speaker 2: But like money and other people's money is none of

922
00:42:02,719 --> 00:42:05,600
Speaker 2: your business unless they've chosen to share with you, and

923
00:42:05,640 --> 00:42:07,279
Speaker 2: if they have shared that with you. It is a

924
00:42:07,320 --> 00:42:08,880
Speaker 2: privilege that you shouldn't be abusing.

925
00:42:09,239 --> 00:42:12,560
Speaker 4: Yeah, good on you for thinking critically about finances, but

926
00:42:12,680 --> 00:42:14,960
Speaker 4: on this one it is a no from us.

927
00:42:16,280 --> 00:42:18,239
Speaker 5: If we could get about Bao right here, that would

928
00:42:18,239 --> 00:42:18,920
Speaker 5: be great.

929
00:42:20,360 --> 00:42:21,000
Speaker 4: Nah. I like that.

930
00:42:21,280 --> 00:42:22,200
Speaker 2: I like the one we did.

931
00:42:23,160 --> 00:42:24,600
Speaker 5: Oh yes, self is nice.

932
00:42:25,520 --> 00:42:28,120
Speaker 6: Sorry about so star, Thank you so much writing. And

933
00:42:28,120 --> 00:42:30,040
Speaker 6: we really see where you're coming from. And I hope

934
00:42:30,120 --> 00:42:31,000
Speaker 6: that we weren't too harsh.

935
00:42:31,520 --> 00:42:32,359
Speaker 2: We were really harsh.

936
00:42:32,440 --> 00:42:33,000
Speaker 4: I'm so sorry.

937
00:42:34,040 --> 00:42:37,280
Speaker 2: I'm so sorry. Let's go all right, have a beautiful weekend. Guys.

938
00:42:37,280 --> 00:42:39,920
Speaker 2: We will see you on Monday for a money diary.

939
00:42:40,560 --> 00:42:50,600
Speaker 2: We love you, Bye bye. Did buy shared on? She's

940
00:42:50,640 --> 00:42:53,440
Speaker 2: on the Money is generally nature and does not consider

941
00:42:53,480 --> 00:42:57,400
Speaker 2: your individual circumstances. She's on the Money exists purely for

942
00:42:57,560 --> 00:43:00,440
Speaker 2: educational purposes and should not be relied upon to make

943
00:43:00,440 --> 00:43:03,719
Speaker 2: an investment or financial decision. If you do choose to

944
00:43:03,719 --> 00:43:05,239
Speaker 2: buy a financial product.

945
00:43:05,000 --> 00:43:08,520
Speaker 7: Read the PDS TMD and obtain appropriate financial.

946
00:43:08,120 --> 00:43:09,920
Speaker 2: Advice tailored towards your needs.

947
00:43:10,280 --> 00:43:14,200
Speaker 7: Victoria Divine and She's on the Money are authorized representatives

948
00:43:14,239 --> 00:43:16,759
Speaker 7: of Money. Sheerper P t y lt D A B

949
00:43:16,960 --> 00:43:19,600
Speaker 7: N three two one is six four nine two seven

950
00:43:19,760 --> 00:43:25,760
Speaker 7: seven zero eight, AFSL four five one two eight nine