Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 2: Hello, and welcome to She's on the the podcast for
Speaker 2: millennials who want financial freedom. Today, guys, it is Friday,
Speaker 2: which means it is time to get our little team
Speaker 2: together and celebrate you our incredible She's on the Money
Speaker 2: community today, Miss Gried. She is going to be sharing
Speaker 2: with us some money wins. We're going to be helping
Speaker 2: answer a juicy money dilemma which this week is all
Speaker 2: about unexpected funeral costs, and we're going to be unpacking
Speaker 2: something that you slid into our DMS about this week.
Speaker 2: We're going to be having a chat about whether equity
Speaker 2: should be applied in friendships.
Speaker 4: That made people angry. It made me so mad.
Speaker 2: In our DMS, I was like, usually the like you know,
Speaker 2: community DM that we address on the pod is it's
Speaker 2: a little bit spicy. It's always like a little bit like, oh,
Speaker 2: you don't want to like publicly ask the question, so
Speaker 2: you slide into our DMS so that you can get
Speaker 2: kind of an anonymous response this one. But you're glad
Speaker 2: you slid into our DMS and the response you're anonymous
Speaker 2: because there are some people coming for it, like they
Speaker 2: were coming for us, and we just asked the question.
Speaker 2: I didn't even say we had an opinion on it
Speaker 2: at this point.
Speaker 4: Do you see?
Speaker 5: I'm so excited.
Speaker 2: It was a lot, But I also feel like this
Speaker 2: week has been a lot. How's your week been back,
Speaker 2: what's you've been up to?
Speaker 4: I really liked this week.
Speaker 6: Actually sorry, I had a bit of whiplash because you know,
Speaker 6: there's the weekend and then you go back to work
Speaker 6: and then there's another weekend. Yeah, there should be immediate
Speaker 6: it's a half weekend. Yeah, it's a half weekend immediately
Speaker 6: after you start working.
Speaker 4: A public holidays on Mondays or Fridays only.
Speaker 5: I agree with that.
Speaker 2: I agree with that that should be exactly. But I
Speaker 2: mean Anzac Day is really important. I mean it's important
Speaker 2: to me, so I think that we should celebrate it
Speaker 2: on the right day. But the government should be nice
Speaker 2: and just have given us Monday off as well, exactly.
Speaker 5: I wouldn't hate that, honestly, because I think it's good.
Speaker 2: It's good for morale. Our engagement would increase. We know
Speaker 2: what happens when people are engaged, they produce fifty percent
Speaker 2: higher shareholder return. In that government give us four days off?
Speaker 4: Yeap? How could you say no?
Speaker 2: Exactly? So what else did you do? You had whiplash
Speaker 2: and had whiplash.
Speaker 5: On Tuesday?
Speaker 6: I saw our producer live and Alisa Live and Lisa
Speaker 6: she's actually going to be famous one day, like really famous.
Speaker 6: I think she's pretty famous definitely. Where you know, I'm
Speaker 6: from Brunswick area. Everyone knows it. Everyone knows she's got
Speaker 6: her own radio show.
Speaker 2: Yeah, she's a big deal, A big deal, the biggest deal.
Speaker 4: Yes, Brunswick. Without thinking of the garage party, like I
Speaker 4: just that's all we do there.
Speaker 2: Do you know why they had the garage party because
Speaker 2: Analysa was playing No just celebrate Analisa. Yeah, when Viral
Speaker 2: and Aalisa was playing there.
Speaker 4: They didn't know.
Speaker 5: She's a big deal.
Speaker 2: We'll put a link to her stuff in our show
Speaker 2: notes this week so you can creep on her, because
Speaker 2: I just feel like everybody needs to know who she is.
Speaker 2: She's the person that if you go to as she's
Speaker 2: on the money event, you like, look across the room,
Speaker 2: woman in the pink Sparkley suit. Yep, that's Analisa. Yeah,
Speaker 2: you do want to meet her.
Speaker 5: Beautiful, she's really hot.
Speaker 2: It just my favorite part about this whole conversation is
Speaker 2: she's currently in the room and she's so uncomfortable. It's amazing.
Speaker 6: Take the love you deserve it. She's also taken and
Speaker 6: run a person, So we love this. Yeah that's true,
Speaker 6: all right, I mean what can't you do?
Speaker 2: So I don't know, there's not one thing that we've
Speaker 2: asked her to do that she hasn't done.
Speaker 5: No, that's true.
Speaker 2: Wild. Let me move on though, because she's she's suitably uncomfortable.
Speaker 5: Suitably I just feel uncomfortable with her uncomfortable.
Speaker 2: Yeah, it's great, Miss Jessicricci. How's your week being.
Speaker 4: It's been good, just a normal week for me this week,
Speaker 4: enjoying the sunshine and along popping along. I had a
Speaker 4: rental inspection this week. That's hot, yep, really fun. That's
Speaker 4: about us.
Speaker 2: Really they say that they were tripling your rent because
Speaker 2: I feel like that's what's happening to everybody who has
Speaker 2: a rental inspection at the moment.
Speaker 4: Oh, thankfully they can't envy.
Speaker 2: Oh you're in the first twelve months of your lease
Speaker 2: as well.
Speaker 4: Yes, so it's just to make sure we haven't ruined
Speaker 4: the place, which we haven't not yet, two thumbs up.
Speaker 2: Not yet. And they didn't find all the stuff you
Speaker 2: hed no no yet studying all right. I want to
Speaker 2: know what's been going on with our community. Jess. What
Speaker 2: are the money wins and confessions that you've round up
Speaker 2: this week for us?
Speaker 4: My first money win this week comes from Tanzen, who
Speaker 4: said money win. I desperately wanted to join in on
Speaker 4: the frank green water bottle trend, but I could not
Speaker 4: justify the price for myself until I was scrolling on
Speaker 4: Facebook Marketplace and saw a chick advertising the exact one
Speaker 4: for thirty five dollars brand new. After she was gifted
Speaker 4: two for her birthday. I have officially joined the emotional
Speaker 4: support water bottle trend.
Speaker 2: Thirty five dollars. It's a good deal.
Speaker 5: I don't know how much does they cost?
Speaker 2: Usually about sixty fifty nine ninety five.
Speaker 4: Yeah, still a lot of money for a water bottle.
Speaker 7: Yeah.
Speaker 4: Kmart does a good dupe.
Speaker 5: Nine dollars, little SYSTEMA plastic water bottle.
Speaker 2: Is nothing better than an insulated water bottle. I'll have
Speaker 2: to try it one day as a little bit of
Speaker 2: a water top. Update for those of you playing along
Speaker 2: at home, my Stanley drink bottle has arrived. I am
Speaker 2: in love with it. It is bigger than my head.
Speaker 5: I am huge the whole table.
Speaker 2: It's peach. She's stunny. And jessic Ricci has bought me two,
Speaker 2: not one, but two drink mixes this week. She bought
Speaker 2: me the green Apple and the cherry flavored Jolly Rancher
Speaker 2: drink mix, which I think is just no no, And
Speaker 2: do you know what, I have absolutely no face that
Speaker 2: they're going to taste any good because they are one.
Speaker 2: I don't like cherry flavor, so apologies. Yes, but you
Speaker 2: know what, Jess, you knew that when you purchased that
Speaker 2: didn't you.
Speaker 4: I was like, gonna be good content, to be good
Speaker 4: content she.
Speaker 2: Wants me to. I feel like it's just going to
Speaker 2: taste like cough medicine and the green apple flavor. Very
Speaker 2: excited to try it, but they're sugar free and I
Speaker 2: do not enjoy artificial flavors Like I just artificial sweetener
Speaker 2: needs to get in the bin.
Speaker 5: I cannot get my head out after taste.
Speaker 2: Yeah, so we'll see, we'll see, but I will film
Speaker 2: that content because I love watertalk.
Speaker 4: Very niche for anyone else who's on the same type
Speaker 4: of TikTok as you can't relate.
Speaker 2: I keep sending videos of water talk to Jess. If
Speaker 2: this is making no sense to you, you don't want
Speaker 2: it to make sense to but I keep sending them
Speaker 2: to Jests so that she will also end up on
Speaker 2: watertok It's kind of like ruining her feed from.
Speaker 4: My side of the take in her life. Speaking of water,
Speaker 4: my next money is from Alisha, who said our washing
Speaker 4: machine wasn't working and it kept saying check the filter.
Speaker 4: Didn't even know the filter was empty. I was hesitant
Speaker 4: about calling someone to fix it, as I knew it
Speaker 4: would probably be expensive and I didn't know if I
Speaker 4: would need a plumber or an appliance technician. My partner
Speaker 4: was catching up with one of his mates who happens
Speaker 4: to be a plumber, so I made him ask his
Speaker 4: mate for some tips. It was a simple fix and
Speaker 4: we now have a working washing machine for zero doll
Speaker 4: It's how good life win. My next one comes from
Speaker 4: Goji who said money win. Local Yoga was closed for
Speaker 4: renovations and they are now offering free unlimited classes for
Speaker 4: the first week and I will seven classes for free.
Speaker 2: Oh my god, seven taking it to the nth degree.
Speaker 4: I love that. You gotta respect it.
Speaker 2: It's like when seven to eleven has those days where
Speaker 2: they say bring your own container and you can have
Speaker 2: as much slurpy as you.
Speaker 4: Really used to love that as a Kiddo's.
Speaker 2: Sorry wild, but like, where's where's the line? Yeah, yeah,
Speaker 2: where's the line. I'll bring my Stanley cup. I feel
Speaker 2: like that's the line. That's a lot of.
Speaker 5: Not big enough.
Speaker 4: We did a mixing bowl once, me and my brother.
Speaker 4: We shared it to be fair.
Speaker 2: Oh you shared it?
Speaker 4: Yeah.
Speaker 2: I feel like I've seen people with those gallon water things,
Speaker 2: you know, from like the water fountains where they like
Speaker 2: tip it upside down and then just like ruin the
Speaker 2: environment with their fake filtered water, Like that's arguably a
Speaker 2: little bit irresponsible, but that's okay. But I've seen people
Speaker 2: take those and get that filled with slurpy.
Speaker 4: Slurpy on tap. Could I do the dream, the absolute dream?
Speaker 2: Maybe we should buy a slurpy machine for the offers.
Speaker 2: I would actually tip there are a lot of things
Speaker 2: that we want in this office that we probably shouldn't purchase.
Speaker 4: Our office if we just let ourselves buy the things
Speaker 4: that we wanted, would look like it was designed by
Speaker 4: a six year old. There'd be slides, swings, they'd be slurpy.
Speaker 4: It would just be ridiculous.
Speaker 2: I'm not sorry for that.
Speaker 4: I'm not even sorry. I have no regrets, no regrets.
Speaker 4: My next money when came from Tina, who said, just
Speaker 4: found out that you can go to your local council,
Speaker 4: take your rates notice and get two free native trees.
Speaker 4: That's all the information that I have. I don't know
Speaker 4: if it's every local counselor please tease still on your.
Speaker 2: Can you give us some more information, Tina?
Speaker 5: But I thought that's a good tip, like.
Speaker 4: Jump on your local council website. Two free trees, but
Speaker 4: also local.
Speaker 2: Count always have good stuff going on.
Speaker 4: Yeah, they ever marketed.
Speaker 5: I've never I'd never hear about this.
Speaker 2: They probably sometimes budget let's be honest.
Speaker 5: That's fair.
Speaker 4: Yeah, and I think it's changing. But a lot of
Speaker 4: government or local government teams generally are made up of
Speaker 4: more mature people and so they're not as tech savy
Speaker 4: a lot of the time. So they are market Like
Speaker 4: I see flyers and stuff sometimes that's not reaching the
Speaker 4: people that's got to reach, like stapled to the telephone pole.
Speaker 4: No one's looking at the help.
Speaker 2: The telephone pole or the community noticeboard at coles. Yeah,
Speaker 2: like the one that you kind of like awkwardly glance
Speaker 2: at as you're going out of the self checked out. Yeah.
Speaker 4: Not all council people are old, but they should hire
Speaker 4: more young people. That's what I'm saying, one hundred percent.
Speaker 4: Moving right along, Please don't come for me. My next
Speaker 4: money when comes from Kim who said, sold my daughter's
Speaker 4: cot for the price of what it would have cost
Speaker 4: me to upgrade her to a single bit love a
Speaker 4: cost neutral upgrade, And I was like, I just love
Speaker 4: the term cost neutral.
Speaker 2: Right, we are taking that and running with it. This
Speaker 2: is this is where my head went because you said
Speaker 2: don't hate me. But I now realize that was in
Speaker 2: relation to your last comment. I just thought that Kim
Speaker 2: had sold her kids cop before her kid was done
Speaker 2: with it. Money. We now my kids sleep's on the floor.
Speaker 2: Can you imagine, very monty sorrow, very fancy, very fancy.
Speaker 2: I'm on that side of TikTok.
Speaker 4: Yeah, you're on every side of TikTok.
Speaker 2: I live on TikTok.
Speaker 5: Well that's okay, no judgment over here.
Speaker 4: That's all why money wins for the week. So should
Speaker 4: we take a quick break so it can get a
Speaker 4: TikTok fixed?
Speaker 5: She's shaking, She's literally.
Speaker 2: Not even mad. Do you want to see this TikTok
Speaker 2: of this guy who dances and takes best stop?
Speaker 5: We don't have any choice, so let's do it.
Speaker 4: Welcome back, everybody. Let's jump into this week's money dilemma.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve that. She's on the Money Team is here
Speaker 2: to help. Every week, we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 8: Hi, and She's on the Money. I have a money dilemma.
Speaker 8: Last year, my father sadly passed away and I needed
Speaker 8: to pay three thousand dollars of my savings a four
Speaker 8: costs involved with chromation and the funeral home. Now, I
Speaker 8: am expected of my family to purchase a plot and headstone.
Speaker 8: And while I loved my father, I am not a
Speaker 8: higher earner and struggling with these unexpected costs. Does She's
Speaker 8: on the Money have any advice on how to pay
Speaker 8: for these unexpected costs and how to get any kind
Speaker 8: of funding. I live in Australia and I am paying
Speaker 8: these costs in New Zealand and I'm wondering if I
Speaker 8: could even get some kind of a rebate, whither through
Speaker 8: its GST or a tax time.
Speaker 4: Firstly, I just want to say I'm really sorry that
Speaker 4: you're going through this. That's a really tough thing to
Speaker 4: deal with it in and of itself, dealing with a
Speaker 4: loss with then having a financial burden on top of that,
Speaker 4: and I'm shocked at how much it costs to be
Speaker 4: cremated three thousand dollars.
Speaker 2: Yeah, it's a lot.
Speaker 4: I've never thought about the cost before now if I'm
Speaker 4: being honest.
Speaker 2: Yeah, look, it's a lot of money, and I guess
Speaker 2: it makes sense when you think about it. In Australia
Speaker 2: and in New Zealand, it is like kind of a
Speaker 2: restricted thing. You can't just turn up and become cremated,
Speaker 2: Like there has to be a death certificate and a
Speaker 2: whole process behind it, right, I know because my mother
Speaker 2: actually worked in the death industry for a very long time.
Speaker 2: Here in Australia are the total funeral costs of a
Speaker 2: traditional burial, this is just me reading from the Australian
Speaker 2: Bureau of Statistics website can average between seven thousand and
Speaker 2: fifteen thousand dollars, while here in Australia, a cremation can
Speaker 2: cost anywhere between three thousand and just seven thousand dollars. Obviously,
Speaker 2: these figures can go even higher depending on like your
Speaker 2: local cemetery fees and like regulations and stuff, because there
Speaker 2: are different regulations that are involved, so these fees they
Speaker 2: usually cover what be deemed to be quote the essentials,
Speaker 2: so things like logistics, so you need to move the
Speaker 2: body from location to location. You can't just stick them
Speaker 2: in the cheapest uber that you get a death certificate,
Speaker 2: filing notices, permits, stuff like that. If you're looking for
Speaker 2: anything extravagant, like you want a nice casket, that's even
Speaker 2: more money. You want to do viewings of your loved one,
Speaker 2: that is going to increase the amount that the funeral
Speaker 2: home charges you. If you want to do like some
Speaker 2: kind of special celebration or clergy or like a nice
Speaker 2: flower arrangement, that's way more money. Again, and flowers are
Speaker 2: very expensive even for funerals. You can actually expect to
Speaker 2: pay anywhere between like maybe three hundred and up to
Speaker 2: like five thousand dollars on florals for a four depending
Speaker 2: on obviously what you do and how you do it.
Speaker 2: I know that in my family a lot of people
Speaker 2: have said if they've had like a death notice, they say,
Speaker 2: in little of flowers, can you donate to a particular charity?
Speaker 2: Which is nice, but you kind of like want it
Speaker 2: to look nice as well. I don't know, there's that
Speaker 2: mix of working you're.
Speaker 4: Still celebrating somebody's life.
Speaker 2: Yeah, So in most cases, the person who arranges the funeral,
Speaker 2: whether that's like a friend or a family member. They
Speaker 2: actually have to sign a contract directly with the funeral
Speaker 2: director and then that person is the person that's kind
Speaker 2: of in charge of all the payments. Which is why
Speaker 2: our listener might have written in and said, hey, it
Speaker 2: seems to be all on me because she might have
Speaker 2: taken on the brunt of that responsibility. Let's assume she's not.
Speaker 2: Maybe she's the only financially stable person in the family
Speaker 2: that has access to funds. That can be really, really hard.
Speaker 2: So it's important to know that there are actually a
Speaker 2: few things here in Australia, and I've done some research
Speaker 2: and understand that there are similar things in New Zealand
Speaker 2: as well. So what I'd be looking up for anyone
Speaker 2: in their circumstance is bereavement assistance. So here in a
Speaker 2: stray bereavement assistance can either be like a non for
Speaker 2: profit organization or it can be through the government and
Speaker 2: they will help you with unexpected funeral costs. In New Zealand,
Speaker 2: the average funeral cost is actually ten thousand dollars, which
Speaker 2: is a lot of money, but they say only five
Speaker 2: percent of New Zealanders have what's called a pre planned
Speaker 2: funeral so you can actually do that yourself at any point.
Speaker 2: It's a very morbid concept, but I mean, if your
Speaker 2: death is going to be expected, it's something that a
Speaker 2: lot of people like doing because they feel like they've
Speaker 2: got control over that circumstance and it can actually be
Speaker 2: a really therapeutic process. It's not nice by any stretch
Speaker 2: of the imagination, but at any point you can actually
Speaker 2: go down to a funeral home and pre pay for
Speaker 2: your funeral as well as like kind of plan it out,
Speaker 2: like you could do everything. You could do the bare minimum,
Speaker 2: which would be just paying for it, or you could
Speaker 2: go all the way through to or I want to
Speaker 2: look at the guest list. I want to have a
Speaker 2: look at you know, what songs you're going to play.
Speaker 2: What's my intro song, what's my outro song? Who's speaking?
Speaker 2: Like you can plan literally everything if you wanted to.
Speaker 2: So in New Zealand there are also bereavement services you
Speaker 2: can call upon if you find that you're not able
Speaker 2: to afford it. So I would be doing, honestly, because
Speaker 2: it changes based on either local, state or council regulations.
Speaker 2: I would be looking up just bereavement services in your
Speaker 2: area and seeing what type of support. There is further
Speaker 2: to that. I probably, given you're the one in your
Speaker 2: family who has been loaded with all of these costs,
Speaker 2: I would obviously, I don't think it changes whether you
Speaker 2: loved your dad or not. You said that in your
Speaker 2: voice note You're like, oh, I loved him, but no, no,
Speaker 2: we know you loved him. But it's actually really unrealistic
Speaker 2: and unreasonable to assume that you're the one individually that
Speaker 2: would bear the brunt of all of this. I think
Speaker 2: going back and going Okay, well, what does this look like,
Speaker 2: and maybe having a conversation with the people who are
Speaker 2: closest who are trying to help you plan that funeral
Speaker 2: and help you plan these services and the cremation and stuff,
Speaker 2: and going, hey, like, should I just be keeping track
Speaker 2: of this because there are a couple of things that
Speaker 2: could happen. So obviously when a death happens, not everything
Speaker 2: financial happens at exactly the same time. What you can
Speaker 2: do is keep track of all of those costs and
Speaker 2: then get repaid by your father's estate. And so that
Speaker 2: would mean like if I spent you know, let's call
Speaker 2: it just ten thousand dollars, because that's the average cost
Speaker 2: of the New Zealand funeral. I pay ten thousand dollars,
Speaker 2: keep track of it, keep all your receipts and everything.
Speaker 2: And when your dad's estate is being you know, broken
Speaker 2: down and given out, before that happens, you get repaid
Speaker 2: that ten thousand dollars before anybody else gets like an inheritance.
Speaker 2: So that could come from whatever savings your dad had,
Speaker 2: whatever KEYWI say that he had, whatever kind of assets
Speaker 2: he has, if you're planning on selling them or you know,
Speaker 2: liquidating them to cash, or maybe you even just do
Speaker 2: it in lieu of assets, maybe you get first choice.
Speaker 2: This all all have to be done through your solicitor
Speaker 2: or through you know, whoever is dealing with the family estate,
Speaker 2: but it can be repaid. You will have to go
Speaker 2: through a process for that to make sure it all
Speaker 2: gets done properly, because you don't want some one coming
Speaker 2: back later and being like, oh my god, well Beck
Speaker 2: got ten thousand dollars more than me. Like, no, Beck
Speaker 2: was repaid the money that she spent for that process
Speaker 2: to happen, and that's actually really fair. You didn't get more, ye,
Speaker 2: because you just got repaid the money that you spent
Speaker 2: on that process. So essentially that can happen, but obviously
Speaker 2: that can only happen if your dad does have an
Speaker 2: estate to share with you, and in the case that
Speaker 2: there is no estate that could pay it back. So
Speaker 2: in a state is just a fancy word for saying
Speaker 2: stuff that the person who passed away had, So that
Speaker 2: could be money or houses or literally any type of asset.
Speaker 2: If there's no money there to repay that, you could
Speaker 2: just have a good conversation with your family and go, hey, like,
Speaker 2: I'm keeping track of this. So either the estate can
Speaker 2: pay it back and they might go, oh, well, just
Speaker 2: there's no estate, and they might come back and go, okay, well,
Speaker 2: maybe the family could help. Another way of doing this
Speaker 2: is to announce when the funeral is happening that you
Speaker 2: can actually contribute to the funeral costs. So you could say,
Speaker 2: you know, in lieu of flowers, we'd love a donation
Speaker 2: towards the funeral cost for XYZ, and that could go
Speaker 2: towards paying the costs. So I think there's a few
Speaker 2: things that you could do. The first thing I would
Speaker 2: honestly do is look at bereavement services and make sure
Speaker 2: that you know if there's anything local to you that
Speaker 2: you could access.
Speaker 4: We do that.
Speaker 2: I'd also be having a chat to the funeral home
Speaker 2: that you're working with, because if anyone's going to have
Speaker 2: experience in what you can access and what you can't,
Speaker 2: it's going to be them. And maybe they might even
Speaker 2: have a level of sympathy that you didn't expect them
Speaker 2: to have and them I go, wow, we didn't realize
Speaker 2: you're in this circumstance. Let's see what we can do
Speaker 2: to help.
Speaker 6: But I think just talking about it and just seeing
Speaker 6: how people can help you is probably the best thing
Speaker 6: that you can do because obviously I don't know where
Speaker 6: in New Zealand you are or how that works, but
Speaker 6: I guess, long story short, I'm really sorry that that's
Speaker 6: the circumstance and it does really suck. But unfortunately these
Speaker 6: things happen, and we should be having these conversations about, well,
Speaker 6: what does this mean?
Speaker 2: How does this work? Like these things unfortunately happen every
Speaker 2: single week in our community, and if you don't know,
Speaker 2: you just don't know, and we need to have a
Speaker 2: conversation about Okay, well these are the first steps. Okay,
Speaker 2: Well make sure that you're in, you know, the best
Speaker 2: possible position. This is why people should be doing their
Speaker 2: wills and making sure that things are planned out because
Speaker 2: I personally know that I wouldn't want my family members
Speaker 2: having to pay for my funeral because I hadn't planned it,
Speaker 2: Like I just I don't want to put my family
Speaker 2: in that position and then not have it on the
Speaker 2: other side. But most people don't think about this because
Speaker 2: it's awkward to think about death, right, Yeah, no one
Speaker 2: wants to have this conversation, and that's okay if you're
Speaker 2: not ready. But I think it's it's something that we
Speaker 2: do need to plan for. But then also we need
Speaker 2: to talk about the flip side of that. Maybe we
Speaker 2: do a whole episode on this, because I think that
Speaker 2: there's a lot of unexpected costs in death that we
Speaker 2: don't talk about. But then also what about all of
Speaker 2: the people that are currently being taken for a ride
Speaker 2: if they have funeral insurance? Like that to me makes
Speaker 2: absolutely no sense. What do you mean funeral insurance? So
Speaker 2: the amount of times I have spoken to people and
Speaker 2: they're like, oh, we found out years later while going
Speaker 2: through mums stuff that she had funeral insurance, but we
Speaker 2: didn't know about that because the insurance company when she
Speaker 2: passed away didn't step up, didn't notify us. We had
Speaker 2: no information, it wasn't in her will, and they're not
Speaker 2: going to pay it out if it's already happened, right,
Speaker 2: And usually if you're getting funeral insurance, it might be
Speaker 2: because you're a little bit older and you want to
Speaker 2: look after your family and you're talked into this great policy.
Speaker 2: But from my perspective, there's only two things in life
Speaker 2: that are certain taxes and death. Why are we ensuring
Speaker 2: for something that's guaranteed to happen. So, Like, we talk
Speaker 2: about insurance a lot on this podcast, and obviously I'm
Speaker 2: the biggest fan of income protection. I think it's the
Speaker 2: best insurance for me personally, right, I think everybody should
Speaker 2: be looking into whether they can get it or not.
Speaker 2: But when an insurer gives you an insurance policy, they're
Speaker 2: kind of hedging their bets. They're like, all right, beck,
Speaker 2: you got any pre existing conditions. You'll be like no,
Speaker 2: I'm fit and healthy. I'm great, And then they go, yeah,
Speaker 2: all right, well we'll ensure you for X amount per month.
Speaker 2: They're hedging their bets that nothing's going to happen to you,
Speaker 2: because financially they're going to end up in the best
Speaker 2: possible financial position if nothing happens to be and then
Speaker 2: they might go, oh, yess, have you had anything happened
Speaker 2: to you? And you might say, yeah, actually I rolled
Speaker 2: my ankle a heap of times at netball, and that's compromise,
Speaker 2: and they go, oh, jess, we're not going to cover
Speaker 2: your ankle. We're going to exclude that because we don't
Speaker 2: want the possibility of us having to pay you out
Speaker 2: to increase death is guaranteed. Why are we in this
Speaker 2: position where we are literally ensuring it in a way
Speaker 2: that it gets paid out as an insurance premium.
Speaker 5: Right, just like put money aside for the funeral.
Speaker 2: Yeah, yeah, exactly. I feel like so many people get
Speaker 2: taken for a ride because they're trying to do the
Speaker 2: right thing and they get this beautiful policy and you know,
Speaker 2: covers up to fifteen thousand dollars. That makes them feel
Speaker 2: really good. But what the insurance policy is betting on
Speaker 2: this is really morbid. Is it's going to take you
Speaker 2: a really long time to die. That's what they're betting on.
Speaker 2: They are betting on the fact that all right, Beck,
Speaker 2: do you want to organize this funeral insurance? Okay, well
Speaker 2: it's you know x amount per month. They're hoping that
Speaker 2: you pay more in premiums before you die than what
Speaker 2: that actually dying exactly right. So I think it's something
Speaker 2: that we could all think about, and it's something that
Speaker 2: you know, emergency funds as you get older could be
Speaker 2: you know, allocated towards or making sure that you have
Speaker 2: cash aside. But there's a lot I have to say
Speaker 2: on the death industry. You could say and how during
Speaker 2: times that people are most vulnerable. Because our listener is
Speaker 2: vulnerable right now, right like she needs someone to grab
Speaker 2: her by the hand and be like, I've got you
Speaker 2: and I have your best interests at heart. But there
Speaker 2: are a lot of people out there that would take
Speaker 2: your hand and go, I've got your best interests at heart,
Speaker 2: and they really don't. So it's so sad, a terrible
Speaker 2: conversation to have, but it's one that genuinely as a community,
Speaker 2: we need to have these conversations more often because you
Speaker 2: could find yourself in a pickle. But there are lots
Speaker 2: of things, As I said, there are a few different
Speaker 2: bereavement services out there. Talk to your funeral home, talk
Speaker 2: to your family, and actually just have an open, honest
Speaker 2: monding conversation be like, this is putting a lot of
Speaker 2: financial pressure on me. Maybe they don't even know.
Speaker 4: Well, I didn't know, you wouldn't know.
Speaker 5: Who know if you've never.
Speaker 2: Been through it. I'm so glad that you've never been
Speaker 2: through it. You've never been through it, and then you're
Speaker 2: going through it like how you meant to know? Right?
Speaker 6: Yeah, exactly. I think it's really solid advice. I really
Speaker 6: do hope that she takes something out of that, and
Speaker 6: I really am sorry for your circumstances.
Speaker 4: We're sending you lots of love, lots of love.
Speaker 2: To anyone going through circumstances like that. At the moment,
Speaker 2: it's just really trashy. It's not a good place to be.
Speaker 2: All right, Let's bring the mood up though, because that
Speaker 2: was a really good segment. But we have to change
Speaker 2: tunes completely because our dms got really lit up this
Speaker 2: week because a lot of people have a lot of
Speaker 2: things to say. So our community dilemma this week went
Speaker 2: like this, High Team, I'm battling extreme levels of jealousy
Speaker 2: that I haven't ever felt before. I'm really happy for
Speaker 2: my housemate who's climbing the career ladder quite rapidly, which
Speaker 2: she absolutely deserves. She's gotten a twenty thousand dollars pay rise,
Speaker 2: and I'm so happy for her, but I can't help
Speaker 2: but feel so jealous. I'm still studying and I make
Speaker 2: around thirty seven thousand dollars a year. She is now
Speaker 2: on a really good six figure salary, and I can't
Speaker 2: help but feel annoyed when she texts me saying it's
Speaker 2: my turn to buy toilet paper, et cetera, because she
Speaker 2: just makes so much more money than me, and I
Speaker 2: just think, why can't she help me out and buy it.
Speaker 2: I guess I'm just wondering does equity apply in friendships
Speaker 2: like it does in relationships? We did some polling, didn't we?
Speaker 2: We did do some polling. So the first pole question
Speaker 2: we asked was what's your current living situation? Fifteen percent
Speaker 2: of you lucky ducks said you lived on your own.
Speaker 6: Jealous, fourteen percent of you said that you lived in
Speaker 6: a sharehouse. Sixty one percent of you you live with partners,
Speaker 6: and ten percent of you are other, which I assume maybe,
Speaker 6: like you know, random situations, live with parents.
Speaker 4: Whatever.
Speaker 2: The next question we asked you, guys, was if you
Speaker 2: live with a partner, does one of you earn a
Speaker 2: lot more than the other, and forty three percent of
Speaker 2: you said yes, my partner earns more than me. Thirty
Speaker 2: percent of you said yes, I earned more than my partner,
Speaker 2: and twenty seven percent said we're actually pretty even tbh.
Speaker 2: The next question we asked was, if you live in
Speaker 2: a share house, do you have a housemate that makes
Speaker 2: a lot more money than you? Thirty one percent of
Speaker 2: you said yes, my housemate makes a lot more, thirty
Speaker 2: three percent said I'm the housemate that makes a lot more,
Speaker 2: thirty six percent said we are all on pretty even incomes.
Speaker 4: That's pretty even split over response, I's pretty sure.
Speaker 2: Yeah, that was like nice, little thirds.
Speaker 8: I liked.
Speaker 2: That made my little math's brain very happy. But guys,
Speaker 2: before we go to the community spicy responses, what are
Speaker 2: your thoughts?
Speaker 4: I just I'm trying to be nice. I just don't
Speaker 4: know why. I understand the jealousy absolutely, Like I can
Speaker 4: see how being in close proximity to someone that you
Speaker 4: perceive to be doing better than you absolutely can raise
Speaker 4: those feelings, and that's very normal. I think the thing
Speaker 4: to consider here is, though you're not that person's responsibility,
Speaker 4: and as much as your housemates and your friends, and yes,
Speaker 4: we want to look out for our friends. Ultimately, she
Speaker 4: is in that place because of the choices that she
Speaker 4: has made, and she's not a millionaire. Like if you've
Speaker 4: got if you've got so much money that spending money
Speaker 4: on things doesn't matter to you, you're probably not living
Speaker 4: with a housemate. So even though if you are, you're
Speaker 4: probably living some kind of sex in the city lifestyle
Speaker 4: that we want to know about it. Yeah, so I
Speaker 4: feel like, yes, potentially she's earning six figures, but does
Speaker 4: she have Hex's debt, does she have other debt? Is
Speaker 4: she saving for something that means her budget is really strict?
Speaker 4: I just I don't think it is reasonable to make
Speaker 4: yourself somebody else's financial response. And yes, the cost of
Speaker 4: toilet paper is arguably negligible, but if you're using it equally,
Speaker 4: in my opinion, it should be split equally. The only
Speaker 4: time that is different is if you're with a partner,
Speaker 4: and in that situation, it's more about.
Speaker 2: Parker's hot Is that what you mean?
Speaker 4: It's more about joint finance's joint goals and the money
Speaker 4: is pulled and shared, Whereas if you're living with a housemte,
Speaker 4: you're operating I'm assuming independently financial and as human beings. Yeah,
Speaker 4: that's where I feel like the big difference is, Yeah,
Speaker 4: I can't fathom going you earn more than me and
Speaker 4: therefore you need to buy me things. Yeah, I do
Speaker 4: agree with that, even though I'm kind of oversimplifying it.
Speaker 2: Do you know, No, Man, that's kind of it. Why
Speaker 2: can't you help me out? And like that's me reading
Speaker 2: into the tone of the message, I suppose, and I
Speaker 2: really shouldn't do that. But the idea that you think
Speaker 2: she owes you toilet paper, because you use that as
Speaker 2: an example, like, I've got my opinions and I'm actually
Speaker 2: gonna wait until Beck's there. But the idea that she
Speaker 2: owes you that makes you a blood boil.
Speaker 5: Yeah, I think that's the thing. But it's I totally
Speaker 5: get it as well, Jess.
Speaker 6: Like, as you said, I know that feeling of feeling
Speaker 6: so like, how are you there in your life? Yeah,
Speaker 6: I'm here, and you just feel really inadequate and really
Speaker 6: really crappy. So I completely that feeling that on its
Speaker 6: own totally fine. If you're in a sharehouse and like,
Speaker 6: let's say this person, you know they made it twenty
Speaker 6: thousand dollars pay rise and now they're expected to up there.
Speaker 5: I suppose like what.
Speaker 6: They're contributing to the house, and like it's like the
Speaker 6: expenses have gone up and then their pay's gone up,
Speaker 6: and like they're kind of just breaking even, you know
Speaker 6: what I mean. I know that buying toilet paper isn't
Speaker 6: gonna it's they're not gonna be breaking even there. But
Speaker 6: like if if you're expecting that of someone who's made
Speaker 6: a twenty k pay rise to then chip in way
Speaker 6: more for the house and chip in way more for
Speaker 6: like going out for drinks with mates and chipping in,
Speaker 6: Like where does where do.
Speaker 5: You draw the line?
Speaker 6: He's just saying, like, oh, maybe they're like hounding me
Speaker 6: for you know, to buy toilet roll and things like that.
Speaker 6: I get that that can be annoying, But where do
Speaker 6: you draw the line if they if you're saying they
Speaker 6: need to buy the they should buy the toilet roll
Speaker 6: if they if we're lacking, they should buy this. If
Speaker 6: we're lacking, Like what are you expecting from them? You know,
Speaker 6: they've just they've done this really cool thing. They've got
Speaker 6: a huge pay rise, you know, just celebrate that and
Speaker 6: everything else should be exactly the same. Just split everything,
Speaker 6: Just split everything.
Speaker 4: You're in a share house, yeah you share, that's it,
Speaker 4: Jump on beam it and just split everything.
Speaker 2: I couldn't agree more. I feel like you guys that Like,
Speaker 2: I'm just going to basically reiterate everything that you said.
Speaker 2: The fact that you know about your housemate's salary increase, though,
Speaker 2: that's a privilege, not every you don't deserve to know
Speaker 2: about her financial circumstances. She was probably so excited to
Speaker 2: share that with you and was like, oh my gosh,
Speaker 2: v I got this pay rise and I'm so excited
Speaker 2: about it. That didn't mean that she was telling you
Speaker 2: so she could afford to pay for more things for you.
Speaker 2: She's you know, excited about her journey. And you know
Speaker 2: we were saying before that, oh she did this really
Speaker 2: good thing. That doesn't mean you're not doing really good things.
Speaker 2: It just means you're on different journeys. Like maybe your
Speaker 2: time hasn't come to have that income yet because you're
Speaker 2: still at UNI. And I remember when I was at UNI.
Speaker 2: It's crazy. I was at UNI. I was earning a
Speaker 2: fair bit because I was working so many hours. It's
Speaker 2: just like a retail job, but for a Uni student.
Speaker 2: I wasn't like super you know, living on rice and
Speaker 2: noodles all the time. I had enough money to buy,
Speaker 2: you know, the nicer groceries. But I lived with a
Speaker 2: housemate who was working full time, and at no point
Speaker 2: did I ever expect them to contribute more. Like it
Speaker 2: was just not the situation. It's just you pay for
Speaker 2: your stuff. I'll pay for my stuff. We're housemates, and
Speaker 2: I guess it comes down to I've been asked similar
Speaker 2: questions historically, and I do not believe that you should
Speaker 2: have any level of financial dependency on someone that you're
Speaker 2: not building a financial future with. Like if Jess moved
Speaker 2: in with me, I would expect her to pay the
Speaker 2: rent that we agreed to contribute equally to the household bills,
Speaker 2: and if the household chores and whatever else is going on,
Speaker 2: whether I earned more or she earned more, I don't
Speaker 2: only think it matters because we entered into this agreement
Speaker 2: when Jess moved in with me. I'm not paying more
Speaker 2: of Jess's stuff, and vice versa. Just isn't paying more
Speaker 2: of my stuff because we don't have shared big financial
Speaker 2: life goals. No, I'm not saving for a home with Jess.
Speaker 2: I'm not, you know, saving my emergency fund for Jess.
Speaker 2: I'm not doing those things. I'm doing that for me.
Speaker 2: And then I get in a relationship with Steve, that
Speaker 2: dynamic can change because now Steve and I are on
Speaker 2: the same life path just and I aren't. What happens
Speaker 2: if I, you know, like, let's slip it, Let's flip it,
Speaker 2: and I'm I'm really happy to pay for Jess. Let's
Speaker 2: pretend that I'm the most generous person in the entire
Speaker 2: world and just moves in with me, and I go, oh, Jess,
Speaker 2: you don't know and as much as me, So I'm
Speaker 2: going to pay for everything. Is that creating a financially
Speaker 2: independent woman who needs no man don't have.
Speaker 4: A power imbalance as well?
Speaker 2: There's a massive power imbalance to that, Like, I'm I
Speaker 2: don't want to pay for your stuff because above and
Speaker 2: beyond the fact that it's not my responsibility, I'm not
Speaker 2: your parents, you're not in minor. That creates a power balance.
Speaker 2: What are you going to ever move out?
Speaker 4: Jess?
Speaker 2: You've probably got it too good. I just I feel
Speaker 2: like the toilet paper really grinds my gears as well,
Speaker 2: because that's an equal use basic necessity of a household, right,
Speaker 2: like you should be paying for that. But that's where
Speaker 2: I draw the line, Like sharing expenses fine, but if
Speaker 2: you're more wealthy, housemate comes home and says, oh, Yess,
Speaker 2: I want to get Uber eats Friday night. Had the
Speaker 2: biggest week at work and you know, I can't really
Speaker 2: afford it, and they still really want to do it.
Speaker 2: I think that's their expense. I don't mean that, oh,
Speaker 2: you shouldn't be contributing to it, but if they want
Speaker 2: to go do an activity and I go, no, Jess,
Speaker 2: I really want to do it with you. I think
Speaker 2: that your housemates should be paying for that experience if
Speaker 2: it's not in your budget and you've been clear about
Speaker 2: what that looks like and how that works, because that's
Speaker 2: not fair, Like that's not fair to then be like, oh,
Speaker 2: I want Jess to match my lifestyle. Ye when she
Speaker 2: doesn't have that income to support that lifestyle. I think
Speaker 2: then you know, maybe go hang out with your friends
Speaker 2: who can afford ubreats if you want to split it equally.
Speaker 2: But you know, I love hanging out with somebody who
Speaker 2: isn't on the stay. I will pay for that experience,
Speaker 2: And I think that that can extend to housemates, like
Speaker 2: if they were arguing that they need the most expensive
Speaker 2: toilet paper.
Speaker 4: Yeah, I'm just gonna say that's the upgrading of product day.
Speaker 4: It's like if you're like, I just want home brand
Speaker 4: one ply, I don't care sandpaper, but toilet paper. It's
Speaker 4: in my budget and that's fine, and their friends like
Speaker 4: I want the gold rimmed, yeah, hand woven toilet paper,
Speaker 4: then you're okay, that's a different story.
Speaker 2: Yeah, exactly. Like I just I'm making the assumption that
Speaker 2: it's just like base level, like we're just buying the
Speaker 2: stuff that you know, both of you would normally buy anyway,
Speaker 2: It's not yeah, the upgrade. We're not going from having
Speaker 2: you know, a normal dinner to oh well, actually my
Speaker 2: housemate keeps putting salmon philets on the weekly grocery budget
Speaker 2: and I have to split that. Like, to me, that's
Speaker 2: a different story if they were expecting you to match
Speaker 2: their lifestyle.
Speaker 4: Also she's texting you to say it's your turn for
Speaker 4: toilet paper. I'm just setting carrying the mental load a
Speaker 4: little bit there too, because like I've been in that
Speaker 4: situation in a housemate setting where one person is always
Speaker 4: the one who notices that something's missing or notices that
Speaker 4: you're about to run out, and is therefore then the
Speaker 4: person who starts carrying the load, because they're always the
Speaker 4: one that.
Speaker 2: Goes, oh yeah, if she's texting you asking you to
Speaker 2: do it and you have yeah, you're right. I feel
Speaker 2: like the DM didn't expect us to have this response
Speaker 2: when what about your house mate? Yeah? But yeah, do
Speaker 2: you know what? I used to be the housemate that
Speaker 2: would text people be like, hey, it's your turn to X.
Speaker 4: Yeah.
Speaker 2: Also, as somebody who sometimes has earned more than some
Speaker 2: of my friends, I am so happy to be generous.
Speaker 2: I actually love it. I really love being able to
Speaker 2: be like, oh no, Beck, I'll grab a coffee or
Speaker 2: you know, oh Jess, I'll do this, Like that's fine.
Speaker 2: Second you expect it, I'll cut you off.
Speaker 1: Yeah.
Speaker 2: The second anybody's like, oh, well we can pay, I
Speaker 2: do not think so. Yeah, that is not how this
Speaker 2: relationship works.
Speaker 5: That's so true.
Speaker 2: Does that make sense? And I feel like that's a
Speaker 2: really common like if you're doing that to your housemate,
Speaker 2: your housemate has picked up on that vibe. If I
Speaker 2: was your housemate, I'd be like, no, got off?
Speaker 6: So what did everyone else say to that we're being
Speaker 6: really gentlest.
Speaker 2: So someone DMed us. I'm not even reading a lot
Speaker 2: of the responses that came through in our like our
Speaker 2: question box, because it's too short. Everybody actually just sent
Speaker 2: us along with the DM. So sit down. Oh hell no,
Speaker 2: she is financially responsible for her friends. Everyone has choices,
Speaker 2: and she chose to study in e minimal money wid Oh, like,
Speaker 2: everyone does have choices, Like, of course you chose to study.
Speaker 2: Of course, the choice to study means compromising other areas
Speaker 2: of your life. But I feel like it's just everyone's
Speaker 2: on a different journey and that's okay. I mean that
Speaker 2: was a aggressive response. That's fine. Someone else said, when
Speaker 2: you moved in with your housemate, you agreed to split
Speaker 2: expenses equally. If you don't have shared finances or financial goals,
Speaker 2: it needs to stay equal. Your housemates shouldn't have to
Speaker 2: carry more of a load because they have more resources.
Speaker 2: It would be nice of them if they did, but
Speaker 2: they may be working hard towards a goal where every
Speaker 2: single saint counts. My husband can't work right now, and
Speaker 2: I pay for everything because we are a team and
Speaker 2: have entirely shared finances. But if he was my roommate,
Speaker 2: I wouldn't be paying his way. I know they may
Speaker 2: seem like small things, but if that's what you'd agreed on,
Speaker 2: you need to respect them and their finances. I like
Speaker 2: the comment where she said, I'm paying for my husband
Speaker 2: for everything if he was my housemate.
Speaker 4: Hell no, that's like a clear in my mind, there
Speaker 4: is a clear delineation between you working towards something with
Speaker 4: someone and you just kind of coexisting in the same space,
Speaker 4: and housemates are coexisting doing their best, but on their
Speaker 4: own path, and therefore you should be responsible for your
Speaker 4: and shit. Yeah. Yeah.
Speaker 2: Another person said in a sharehouse, split everything evenly and
Speaker 2: make a toilet paper roster. I feel like this is
Speaker 2: getting petty, like a.
Speaker 6: Star chart if they're pap roster like I have lived
Speaker 6: in a house with a star chart before.
Speaker 2: No, you have not, have you? Yes, a star chart?
Speaker 4: I implemented, that's really cute.
Speaker 2: How did you get cute? You get too regressive as hell, Jesse,
Speaker 2: Why did we have star charts?
Speaker 4: There were two housemates who were doing it all, carrying
Speaker 4: the load, and there was one housemate who was just
Speaker 4: not at it with the naughty kid. Yeah, exactly, And
Speaker 4: it's when there are three girls sharing a bathroom. You
Speaker 4: know what, Sometimes you just got to find a way
Speaker 4: to equalize it, because.
Speaker 5: It's that's fair.
Speaker 2: What do you get if you filled up your star chart?
Speaker 4: Ah, when it wasn't that fun of a star chart.
Speaker 4: It was it if you get stars, it's that I
Speaker 4: did my chores this week.
Speaker 5: That's so cute.
Speaker 4: That's very embarrassing.
Speaker 2: Hot girlshit, hot girl shit, all right, so this one
Speaker 2: instead in a sharehouse, split everything evenly and make a
Speaker 2: toilet paper roster. It helps people feel like they're not
Speaker 2: the only one buying, and you just get into a
Speaker 2: mechanical routine. It's not personal and not a repeated internal battle.
Speaker 2: Any super outstanding extras that only one person uses. So
Speaker 2: for example, my housemate has a car, so she gets
Speaker 2: car space, they can pay extra. If it's only one slight,
Speaker 2: one person uses air con slightly more than the other,
Speaker 2: then that's just life, and it's fair to split it
Speaker 2: even at the end of the day. That's what you
Speaker 2: agreed to, regardless of incomes or whether someone is profiting
Speaker 2: slash playing less or more because they're subleasing.
Speaker 4: That's a very thorough covers it all.
Speaker 8: Yeah.
Speaker 2: Someone then said I feel like the way or the
Speaker 2: tone of some of these messages is just not vibing
Speaker 2: with me, Like I feel like I'm being personally attacked. Yeah,
Speaker 2: even though I'm not.
Speaker 5: Kind of scary.
Speaker 4: We've all had a shit housemate and it's.
Speaker 2: Yeah, okay, So this one said your choices have left
Speaker 2: you with a lower income. That's not her responsibility to
Speaker 2: pay for you. I say this because I have been
Speaker 2: both the friends in this situation. She probably has goals
Speaker 2: and she shouldn't have to compromise them because you're a
Speaker 2: UNI student who just earns less. I'm saying this as
Speaker 2: I'm now a full time UNI student who actually earns
Speaker 2: seventy thousand dollars a year, which in itself is a
Speaker 2: very privileged position to be. I like that you've disclaimed
Speaker 2: it that thank you, But I wouldn't expect my friends
Speaker 2: to be buying things for me just because they earn more,
Speaker 2: and being a UNI student working full time, it's really hard.
Speaker 2: I want to use any excess I have in my
Speaker 2: income to get a head in life and on myself,
Speaker 2: which I think is very fair.
Speaker 4: Slong and short of it is, sorry to tell you this,
Speaker 4: but no, she's not in a favor doile of favor.
Speaker 2: Yeah, there were lots of other messages that said, this
Speaker 2: is gross, this is weird, this really irks me, And
Speaker 2: I think I think it does because, as you said, yes,
Speaker 2: we've all had a shitty housemate. Remember the time I
Speaker 2: told you about my housemate who decided to become vegan
Speaker 2: one weekend and throughout all of the food in my
Speaker 2: freeze us. Yeah, like we've all been there, right. She
Speaker 2: also used to borrow my underwear, but that's a different
Speaker 2: story for a different very bad But I do think
Speaker 2: that that conversation, it kind of makes sense that it
Speaker 2: came up in our community because it's kind of like, oh,
Speaker 2: I can see why, you know, if you're in a
Speaker 2: position where you're like, oh, I'm just finding it really
Speaker 2: hard to make ends meat and she's not, Like I
Speaker 2: can see why that's come up because we always have
Speaker 2: the conversation about equity versus equality in relationships, and I
Speaker 2: do believe that those things need to be taken into consideration.
Speaker 2: Like I don't believe that if your partner earns your
Speaker 2: your life partner earns more money than you, that it
Speaker 2: should be split fifty to fifty. I just don't think
Speaker 2: that that is an equitable way of creating I guess
Speaker 2: independence and an equitable relationship. I do think that things
Speaker 2: should be split a little bit differently, but I do
Speaker 2: not believe that that should happen in a housemate situation,
Speaker 2: Like you've got no idea. Also, you're only making that
Speaker 2: assumption because you know what she earns. Yeah, that circumstance
Speaker 2: would not be different if she'd never disclosed what she
Speaker 2: was earning and you just made an assumption she was
Speaker 2: also on thirty seven thousand dollars because she was in
Speaker 2: a grab position, right, that wouldn't have come up. And
Speaker 2: money is private. Money is often really secret. Like, how
Speaker 2: do you know that your other housemate that is also
Speaker 2: UNI with you and you haven't spoken to her? You
Speaker 2: just assume she has not as much money as you.
Speaker 2: How do you know she doesn't have a trust fund? Yeah,
Speaker 2: and she's actually worth millions. She just hasn't said anything
Speaker 2: because she's managing her money. Well, maybe she's actually not
Speaker 2: your business exactly. Maybe she's Beyonce and you just don't know.
Speaker 2: But like money and other people's money is none of
Speaker 2: your business unless they've chosen to share with you, and
Speaker 2: if they have shared that with you. It is a
Speaker 2: privilege that you shouldn't be abusing.
Speaker 4: Yeah, good on you for thinking critically about finances, but
Speaker 4: on this one it is a no from us.
Speaker 5: If we could get about Bao right here, that would
Speaker 5: be great.
Speaker 4: Nah. I like that.
Speaker 2: I like the one we did.
Speaker 5: Oh yes, self is nice.
Speaker 6: Sorry about so star, Thank you so much writing. And
Speaker 6: we really see where you're coming from. And I hope
Speaker 6: that we weren't too harsh.
Speaker 2: We were really harsh.
Speaker 4: I'm so sorry.
Speaker 2: I'm so sorry. Let's go all right, have a beautiful weekend. Guys.
Speaker 2: We will see you on Monday for a money diary.
Speaker 2: We love you, Bye bye. Did buy shared on? She's
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Speaker 7: Read the PDS TMD and obtain appropriate financial.
Speaker 2: Advice tailored towards your needs.
Speaker 7: Victoria Divine and She's on the Money are authorized representatives
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Speaker 7: N three two one is six four nine two seven
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