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Speaker 1: Hello.

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Speaker 2: My name is Satasha Nabananga Bamblet. I'm a proud or

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Speaker 2: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 2: we get started on She's on the Money podcast, I

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Speaker 2: would like to acknowledge the traditional custodians of the land

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Speaker 2: of which this podcast is recorded on a wondery country,

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Speaker 2: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 2: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it. She's on the Money, She's on

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Speaker 1: the Money. Hello, and welcome to She's on the Money

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Speaker 1: the podcast. The Mets finance fun especially on Fridays. It

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Speaker 1: is our favorite day of the week because we get

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Speaker 1: to get our little team together and celebrate you our

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Speaker 1: incredible She's on the Money community. As always, we have

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Speaker 1: Miss jessic Ricci here sharing our favorite money wins from

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Speaker 1: the week. Miss beck Sayed is sitting very pretty today,

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Speaker 1: you are very ready to go, and she's got three

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Speaker 1: surprise broke tips for us. We are also going to

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Speaker 1: be helping to answer our money dilemma, which This week

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Speaker 1: is all about being money shamed by your parents and

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Speaker 1: something that you s lead into our DMS about whether

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Speaker 1: you should trust an experts advice you don't agree with

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Speaker 1: when it comes to selling your house. Who's that real

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Speaker 1: estate agent really work for? Interesting? Anyway, before we get there, guys,

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Speaker 1: how have your weeks been? My wee's been good. Nothing

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Speaker 1: exciting to report except I've got a parking ticket. That's no,

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Speaker 1: you did?

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Speaker 2: It?

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Speaker 1: Was that last week while recording the podcast? Yes, it was.

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Speaker 1: Oh my god, Why why are they so on it?

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Speaker 3: Well, that's the thing is I missed it because obviously

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Speaker 3: we're we're recording.

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Speaker 1: It's like, well we record till we record.

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Speaker 3: So it wasn't even like a big window, and they

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Speaker 3: somehow fucking and got me.

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Speaker 1: I would be saying absolutely not. I was not there. Goodbye. Yeah, sorry,

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Speaker 1: I mean it's worth a fight for ninety million dollars

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Speaker 1: as well. Just say something happened. Yeah, give it a crack. Sorry,

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Speaker 1: I was spending too long at seven eleven picking out

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Speaker 1: my favorite sushi. Yeah, yeah, I'm sorry. How annoying and annoying?

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Speaker 1: Well did you get any parking tickets? I didn't, No,

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Speaker 1: I didn't.

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Speaker 3: This way I love it.

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Speaker 1: I usually do. Reflect What do you mean you usually do?

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Speaker 4: I'm sure, like I like, I go on not long ago,

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Speaker 4: but it's I did try and find it.

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Speaker 1: I haven't heard back yet, so fingers quicks. But how

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Speaker 1: many outstanding parking tickets do you have at the moment, honestly,

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Speaker 1: And I know it is quite stresful about it. I don't.

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Speaker 4: I have no idea. I don't even know what start.

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Speaker 1: I know I have one, and I've left it too late. Yeah,

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Speaker 1: So I went on the website to pay it and

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Speaker 1: then it said I couldn't pay it, which means I've

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Speaker 1: left it too late. Now I'm just waiting for them

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Speaker 1: to reissue it because I know that it's going to have, like,

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Speaker 1: well money, this is the thing, Like, I'm not that

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Speaker 1: good at money, guys.

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Speaker 4: If you wait for it to go to Vicarod's, obviously

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Speaker 4: there is a fee, but then you can pay it

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Speaker 4: by installments, so that is always a good option. And

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Speaker 4: you can pay it as long as you pay within

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Speaker 4: ten years apparently, so you can tell me one dollar

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Speaker 4: a month for the rest of your life if you

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Speaker 4: wanted to anyway.

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Speaker 1: That is terrible advice, terrible advice. But you know what

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Speaker 1: you got to do, what you've got to do, exactly,

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Speaker 1: But no, my week has been really lovely. Nothing partnering

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Speaker 1: tickets that she's aware of, Yeah, not that I'm aware

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Speaker 1: of it.

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Speaker 4: I'm be getting one right now as we speak. But

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Speaker 4: I know I said I would make up some juicy goss,

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Speaker 4: but I feel bad lying. So it was a smooth, easy,

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Speaker 4: fun Gordgeok, I loved it that I like it, Yes,

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Speaker 4: exactly right.

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Speaker 1: And you I'm still dreaming about Jessica's cookies. Oh my god,

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Speaker 1: say yes, that never goes away. It's just been a

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Speaker 1: constant in my life. But that's okay. I don't have

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Speaker 1: anything that interesting. Honestly. I feel like Mother's Day has

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Speaker 1: come and gone and that was really cute.

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Speaker 2: You know.

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Speaker 1: Obviously Harvey went all out. Of course, he definitely planned

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Speaker 1: all of those things, and my husband had absolutely nothing

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Speaker 1: to do with it. It's weird how like sentimental I

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Speaker 1: get now around Mother's Day. I'm like, oh, I is

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Speaker 1: this how my mom felt about it? Sorry about the

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Speaker 1: crap cards over the year's mum, So that was nice,

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Speaker 1: but nothing to report really. Would you like to have

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Speaker 1: a little five star review? Yes? Please? So are you ready? Okay,

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Speaker 1: I have one, and I think it's really cute. It's

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Speaker 1: from Rebecca Are five Stars. It's now part of our

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Speaker 1: weekly routine. I found that she's on the Money podcast

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Speaker 1: after having my little boy, Are you Ago? The girls

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Speaker 1: are now part of our weekly routine, and my son

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Speaker 1: bops along when he hears the intro music. Thank you

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Speaker 1: for taking me from feeling anxious and uneducated about the

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Speaker 1: complexities of money to confident and informed. The warm personalities

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Speaker 1: of all of the girls and their funny banter makes

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Speaker 1: for great listening on all of our pram walks and

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Speaker 1: car trips. Oh that's lovely.

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Speaker 4: Thank you, and welcome to the world, little friend. I

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Speaker 4: love that you're about the same age as Halfy.

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Speaker 1: I'm wondering, do you reckon? You know how they say

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Speaker 1: you should really talk to your baby all the time,

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Speaker 1: like it helps their language develop. Apparently not mine, but

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Speaker 1: it helps their language develop. Do you think I could

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Speaker 1: just play my own podcast? Maybe I think so, But

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Speaker 1: also like maybe they need to see the mouth movements.

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Speaker 1: I don't know. Oh yeah, and also then you just

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Speaker 1: the tally on. I am not gonna lie. It has

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Speaker 1: been a fair few years since I've been willing to

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Speaker 1: listen to one of our own podcasts. My own voice

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Speaker 1: still surprisingly gives me the literal pic and I can't

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Speaker 1: think of anything worse than having to listen to my

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Speaker 1: own podcast in the car, like I would prefer to

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Speaker 1: sing hop Little Bernie's Hop Hop Hop like that many times,

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Speaker 1: or even just like the Happy Song by Image and

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Speaker 1: Heap like on repeat. It just exists in my brain

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Speaker 1: on repeat, like I can sing you that whole song

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Speaker 1: end to end and I can repeat it if you

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Speaker 1: want me to.

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Speaker 4: Yes, please, They're claud that little Rebecca jams out. Yeah,

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Speaker 4: thank you, Little Mini Rebecca Minnie Rebecca Mini Rebecca.

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Speaker 1: All right, guys, I want to know, Miss Jessicci, what

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Speaker 1: are our favorite money wins of the week? Rady.

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Speaker 3: This week, my first money went from Mim, who said

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Speaker 3: she found an email from Mecca in her junk. She

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Speaker 3: had a fifty dollars vouchert from beu Loop for her birthday.

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Speaker 1: Oh what reminder they do.

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Speaker 3: I'm so sad they brought it in just after my

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Speaker 3: birthday last year, but they do give vouchers now.

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Speaker 1: Can you use me such a good birthday gift? My

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Speaker 1: birthday is coming up next month for Mecca. If you're listening,

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Speaker 1: I would love a little voucher. You should get one

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Speaker 1: in your email.

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Speaker 3: Me said that she redeemed it on an in store facial,

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Speaker 3: so they're normally one hundred and twenty dollars, but she

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Speaker 3: paid seventy out of pocket. But then the Mecca Beauty

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Speaker 3: Services are redeemable on product, so she basically got a

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Speaker 3: free facial and one hundred and twenty dollars worth of

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Speaker 3: product for seventy dollars. Great great one from mim. Next,

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Speaker 3: I've got a money win from Sue, who said she

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Speaker 3: was debating buying herself a Ninja Creamy to make some

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Speaker 3: protein based ice cream treats, and she realized she had

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Speaker 3: enough A and Z points to buy an Amazon gift card,

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Speaker 3: so she bought the Jaja Creemy on Amazon, and she

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Speaker 3: also used shop back to get some cash back on

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Speaker 3: her purchase. Plus, apparently, for some odd reason, the fancier

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Speaker 3: model was selling for the same size as the regular one,

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Speaker 3: so after all of that, she only paid nine dollars

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Speaker 3: out of pocket for her Ninja creamy.

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Speaker 1: Oh I love that. Very impressive. One way of chess

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Speaker 1: is like, Sue, please tell me how to get a

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Speaker 1: Ninja slushy genuinely.

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Speaker 3: Next, I've got a money loss from Ali. She said

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Speaker 3: money loss arrived in Japan, but I'm not mad about it,

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Speaker 3: which I just thought was funny. I feel like everyone's

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Speaker 3: in Japan and it is a loss because you just

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Speaker 3: want to buy all the cute things there.

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Speaker 1: I feel like when you went to Japan, that's all

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Speaker 1: you did.

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Speaker 3: I loved it, and all my money at seven eleven

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Speaker 3: and on sunny angels.

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Speaker 1: No you didn't. You also spent a lot on skincare.

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Speaker 1: That's you. Yeah, you have arguably the nicest shampoo conditioner

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Speaker 1: as well. That sounds delightful.

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Speaker 3: And then lastly, this week, I've got a double whammy

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Speaker 3: from wonder if she says money win and loss is

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Speaker 3: me realizing I have.

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Speaker 1: Dice? Scally, I need to google how to pronounce that?

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Speaker 1: Would you like me to have a look? Hey, god, wait,

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Speaker 1: let me just plug it in. No, this is funny,

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Speaker 1: Please Sam, don't edit this. It wrong? Where's the pronunciation?

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Speaker 1: What doesn't just want to say wrong? She won't even

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Speaker 1: show us the word. We can't even attempt it. All right,

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Speaker 1: you just got to believe it. She's just going to

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Speaker 1: say something now, No, we're keeping this word. Give it

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Speaker 1: your best. Go let me see hang on. Oh yeah,

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Speaker 1: I can't even read that far? Do I need glasses?

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Speaker 4: Hellaculiace placulia, Actually quite close.

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Speaker 1: It's dust calculia.

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Speaker 3: It's called healthy internet, which is a neurological learning disorder.

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Speaker 3: So one has been Did you not with the word

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Speaker 3: that I just pronounced?

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Speaker 1: Sorry? Is that dyscalcula? Not according to the Internet? Oh okay,

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Speaker 1: is that the one way you're about it? Numbers? Discalculia, discalculia? Okay, yeah,

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Speaker 1: maybe it is the same thing. It's the one where

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Speaker 1: you can't it is numbers of mass. Yeah, it's like

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Speaker 1: being dyslexic, but it's for numbers. I see, I see,

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Speaker 1: I see. Well I didn't know what was called that.

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Speaker 1: There you go? Do I mean?

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Speaker 2: This?

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Speaker 3: Calculating is much easier to say either way. One has

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Speaker 3: been diagnosed with this, and she said it's explained to

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Speaker 3: her why she's been recently struggling with her finances. She

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Speaker 3: said it inspired her to find a simple way to

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Speaker 3: track her spending and get back in control so she

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Speaker 3: can tap away all of her goals, take her emergency account,

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Speaker 3: payetro on the walkage et cetera. She's just using an

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Speaker 3: Excel template, but then she copies and pastes, sees exports

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Speaker 3: from her bank and stif Just.

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Speaker 1: So, I thought really cool to go.

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Speaker 3: Oh, like sometime and people having a hard time, it's

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Speaker 3: not just because you're bad at something.

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Speaker 1: It's because actually something going on.

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Speaker 3: There's a little bit of your diversity and you just

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Speaker 3: need to learn what workaround works for you.

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Speaker 1: Yes, percent, but that's a good one to end on,

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Speaker 1: Miss just Goci, Miss Becksies, have you got some broke

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Speaker 1: broke tips for us?

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Speaker 4: I certainly do.

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Speaker 1: You're talking to one of our producers earlier about unethical

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Speaker 1: life tips. Is that going to go into the broke

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Speaker 1: tips of this week? Not yet? Not yet.

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Speaker 4: I think it's a slow steady I like it picaso.

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Speaker 1: But also let's make sure they're legal. So absolutely, what

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Speaker 1: three legal broke tips are you bringing to the table

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Speaker 1: this week? Well, also just really quickly with the unethical

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Speaker 1: life just really quickly.

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Speaker 4: They might be unethical, but they work sometimes you really

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Speaker 4: are just trying to survive.

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Speaker 1: So oh, no judgment. But like we're a we're a platform, Beck,

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Speaker 1: we can't be posting unethical life hacks because that would

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Speaker 1: be unethical of us us. I don't judge people for

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Speaker 1: doing it. In fact, sometimes I'm like, I wish we

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Speaker 1: could share that on the pod. That's kind of funny.

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Speaker 4: Exactly well, survive, but don't see you.

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Speaker 1: We aren't allowed to amplify you at this point, at

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Speaker 1: this point in time. So the first one comes from Cordelia.

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Speaker 1: This one seems like, oh, do you think a buffy.

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Speaker 4: Yes, it could just be you know of say common knowledge,

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Speaker 4: or maybe we've even mentioned this a couple of times.

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Speaker 4: But I think it is helpful. If you pay with cash,

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Speaker 4: it does stop the mindless tapping. But also at the

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Speaker 4: same time, if you are paying in cash and you

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Speaker 4: don't have access to anything online, that also stops you

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Speaker 4: from buying online and finding something like you just you know,

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Speaker 4: when you're scrolling through Instagram and you're like, oh my.

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Speaker 1: God, you can't pay for that in cash.

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Speaker 4: You can't do any impulse not Also because it is

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Speaker 4: physical and we had this before, it does if sometimes

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Speaker 4: it feels harder to physically part with the money. So

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Speaker 4: I think that is a fantast stick tip. This next

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Speaker 4: one is I care do fifty percent meals on Friday

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Speaker 4: and three dollars for Brecky and unlimited refilled coffee.

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Speaker 1: I'm sorry, what are you saying? Half primary balls?

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Speaker 2: Me?

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Speaker 1: Oh, the meat balls live rent free in my brain.

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Speaker 1: I do you know you can buy them frozen as

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Speaker 1: well have it home, can you?

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Speaker 5: Yes?

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Speaker 1: Yeah you can, yes, I know, yes, from the little

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Speaker 1: cafe out the front. You can buy them frozen. You

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Speaker 1: can get the gravy, you can get the red jelly stuff.

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Speaker 1: It's Lingenberry, by the way. And they also do the

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Speaker 1: mashed potatoes, but I would just do mashed potatoes at home. Yeah. Yeah,

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Speaker 1: but you can get the males. In fact, I really

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Speaker 1: want to go get them now because now we're talking

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Speaker 1: about them and I'm low key really hungry. Are we allowed?

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Speaker 1: It's quite close to our studio and is that so close?

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Speaker 1: Is that like? Can we use that as our lunch room? Yeah?

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Speaker 1: Meatballs for all.

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Speaker 4: Obviously my one is next, so it is similar to

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Speaker 4: the first one I mentioned. I have realized because I

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Speaker 4: created a new bank account put my savings and also

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Speaker 4: direct deposits in. I just like and I don't want

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Speaker 4: to look at finance clean now now. But I noticed

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Speaker 4: that because I'm like mentally really lazy. I don't know

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Speaker 4: if this will work with for anyone else. But as

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Speaker 4: soon as there's like two factor authentic authentication or authentication

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Speaker 4: authentic authentication from I don't know, from authentic authentic yeah, okay,

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Speaker 4: well well ignore it doesn't like two factor authentication. No,

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Speaker 4: and especially in particular if you have you know, when

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Speaker 4: you have to download Microsoft Authentic like a second, Yeah,

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Speaker 4: you get a code if you put two factor authentication

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Speaker 4: on things that you do not want to access, including

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Speaker 4: like a savings account or let's say like a place

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Speaker 4: like you know ASOS or depop or something where if

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Speaker 4: you just whatever has the ability for you to put

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Speaker 4: the two f A on, put it on, and you

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Speaker 4: might find that you're spending or even like tapping into

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Speaker 4: those savings really decreases, because if you're anything like me,

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Speaker 4: as soon as it says retrieve a code, I'm like,

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Speaker 4: I've already gotten distracted. I already I just cannot be bothered.

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Speaker 4: I just think it's a great way to like give

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Speaker 4: yourself that extra time to not access those things.

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Speaker 1: So just really good. It's probably more of a nearest

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Speaker 1: spicy thing because there are going to be people listening

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Speaker 1: to this going, what is your problem with doing two

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Speaker 1: factor authentication? Yeah, maybe, like it's furine safety. It's to

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Speaker 1: this nah more admin less interest if you're nearing now,

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Speaker 1: I've got ADHD. Sorry, not interested anymore? You mean I

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Speaker 1: have to go find my phone? Absolutely not exactly. That

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Speaker 1: idea is out of the window. Absolutely an option, not

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Speaker 1: an option. Thanks for trying, though, that's it. Nope, I

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Speaker 1: get it. I get it. It's like your broke tip

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Speaker 1: the other day was like, don't have the credit card

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Speaker 1: information auto fil? Yes? Yeah, like me, I'm not getting

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Speaker 1: up and going and getting my credit cards so I

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Speaker 1: can make that purchase. In fact, I don't even want

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Speaker 1: that purchase anymore. Learned mine, I've got memorized. Yeah, absolutely,

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Speaker 1: not the same. Unfortunately it's memorized. But if you try

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Speaker 1: and forget, then that's where you wait for your credit

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Speaker 1: card like validity to end and then they give you

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Speaker 1: a new credit card and then you're golden for a while. There.

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Speaker 1: That's true. So that's me this week. I love that.

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Speaker 1: All right, let's go to a really quick break because

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Speaker 1: on the flip side, I want to jump into having

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Speaker 1: a chat about what to do when your parents money

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Speaker 1: shame you, which is, by the way, really rude. So

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Speaker 1: spoiler there I've got opinions and then something that you

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Speaker 1: slid into our DMS about. We're chatting about whether you

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Speaker 1: should trust in experts advice that you don't actually agree

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Speaker 1: with when it comes to selling your home. So guys,

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Speaker 1: don't go anywhere. Welcome back, everybody. Let's take a listen

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Speaker 1: to this week's money dilemma.

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Speaker 2: Hi.

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Speaker 1: There, have you got a money dilemma you just can't solve?

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Speaker 1: The She's on the Money Tea is here to help.

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Speaker 1: Every week, we tackle your dilemmas, both big and small,

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Speaker 1: to answer your most burning money, career and life questions.

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Speaker 1: To get involved, simply head to our website and leave

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Speaker 1: us a short voice recording and you might just find

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Speaker 1: yourself on the show. Now, let's take a listen to

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Speaker 1: this week's money dilemma.

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Speaker 6: Hello, Hello, Hello, So I'm currently in my mid thirties,

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Speaker 6: well thirty six light save thirties. Anyway, I just got

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Speaker 6: back from overseas and spent on money while traveling, and

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Speaker 6: so I've come back for no money now upset. I

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Speaker 6: feel shramed about that, and my parents keep shaming me,

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Speaker 6: being like how many times are you going to do this?

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Speaker 6: And I do feel like I've got this negative money

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Speaker 6: my story that I've convinced myself that I'm not going

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Speaker 6: to save you money, like I'll save money for like

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Speaker 6: a year, and then last year I got my redundant

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Speaker 6: so whenever seas it's spent my reduncing money. I did

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Speaker 6: try to have some safety money there.

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Speaker 5: But obviously just got carried away with life of traveling

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Speaker 5: as I love it. And then yeah, once again come

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Speaker 5: back to no money, and I think my parents say,

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Speaker 5: you know, how many times are you going to do this?

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Speaker 5: Or you're in your thirties and you're doing this, like

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Speaker 5: you know how many times are you going to get

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Speaker 5: yourself into a position where you're not saving your spinning money?

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Speaker 6: And so.

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Speaker 5: Yeah, I felt shamed. I felt really embarrassed. I feel

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Speaker 5: really like I guess useless for that or like I'm failing.

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Speaker 5: And so I just want to help get that money

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Speaker 5: mine reset and not associate myself with that so I

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Speaker 5: can just see on track and hopefully have a bit

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Speaker 5: of money story and give it better.

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Speaker 1: That breaks my heart, like literally that makes me feel

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Speaker 1: so awful for you and like thank you for being

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Speaker 1: so open with us, because to say, oh, I'm really embarrassed,

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Speaker 1: I really feel bad about this. That takes a lot

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Speaker 1: to even just like reach out and be like, I

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Speaker 1: kind of need a little bit of help here. One

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Speaker 1: thing I will say is I can always guarantee if

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Speaker 1: your parents heard that audio of you going, oh, I'm

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Speaker 1: feeling really barrassed, I'm feeling really shamed, they would feel

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Speaker 1: really ashamed. Because I don't think and I'm this is

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Speaker 1: maybe benefit of the doubt. I don't think your parents

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Speaker 1: realize how they've made you feel like and if they have,

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Speaker 1: like they owe you an apology. But can we just

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Speaker 1: zoom out a little bit? So you're telling me that

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Speaker 1: you got made redundant and then you went overseas and

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Speaker 1: probably have created all of these beautiful core memories and

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Speaker 1: had the best time. I'm sure you have all of

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Speaker 1: these great friends and experiences and things that you've done.

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Speaker 1: How many more times am I going to do it? Mom?

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Speaker 1: And Dad? End list? If it ends up that way,

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Speaker 1: Like I had a really good time. Like don't get

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Speaker 1: me wrong, Like I can see that you want to

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Speaker 1: change your money story, and like there is a way

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Speaker 1: that we could do both right, Like there is a

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Speaker 1: way that we have savings and we have you know,

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Speaker 1: an emergency fund, to fall back on, and we have

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Speaker 1: all of those things, but they come from education. And like,

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Speaker 1: I'm sorry, are your parents shaming you after not sitting

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Speaker 1: you down and teaching you how to do these things? Sorry,

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Speaker 1: you're telling me that I should be when you're going

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Speaker 1: to get your stuff together? I don't don't, Karen, When

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Speaker 1: are you gonna teach me? When are you gonna sit

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Speaker 1: me down and be like hey, like, I'd love to

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Speaker 1: show you X Y and Z No, no, Beck, how

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Speaker 1: do you feel about this?

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Speaker 4: I just like I'm hearing this and I'm like, man,

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Speaker 4: it is wild that we're here and we do talk

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Speaker 4: about this, But I'm like, why is there just this

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Speaker 4: like template.

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Speaker 1: Of how we should and shouldn't be living? Some people

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Speaker 1: just don't work like that.

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Speaker 4: Like I don't have the natural organic motivation to say

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Speaker 4: for something I do not care about. Every single waking

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Speaker 4: second is dedicated to being excited and living life and

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Speaker 4: having fun and that should be just as valuable as

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Speaker 4: saving money, because it is very impressive. Like JESSRICKI, you

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Speaker 4: are such a good savor, You're so good with money.

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Speaker 4: That is extremely impressive. And there is myself and some

401
00:19:57,640 --> 00:20:00,440
Speaker 4: of my friends who are live in life been doing

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Speaker 4: crazy things and just like going out and getting like

403
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Speaker 4: making all these beautiful memories and that is cool and

404
00:20:06,520 --> 00:20:08,159
Speaker 4: that is fun. And I'm just like, I don't know

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00:20:08,160 --> 00:20:10,560
Speaker 4: where this comes from. I understand that you do need

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Speaker 4: for like safety reasons and emergency fund, but when you're ready,

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00:20:14,680 --> 00:20:17,200
Speaker 4: you'll figure that out and you'll also find a way

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Speaker 4: that works for you. Because personally, for me, I've been

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Speaker 4: on this podcast like three years now, and I still.

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Speaker 1: Do not have been three years. I feel like two

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Speaker 1: and a half. No, no, no, no, no, Like I'm not questioning it,

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Speaker 1: just I feel like I'm here. But then also time

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Speaker 1: flies when you're having fun.

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Speaker 4: Exactly right, And I still do not have an emergency fund.

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00:20:36,160 --> 00:20:39,280
Speaker 4: But I realized once I started like investing that that

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Speaker 4: is for some reason, there's a part of my brain

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Speaker 4: that cannot touch that money. And so there's like almost

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Speaker 4: six hundred dollars now in investments.

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Speaker 1: Oh really, it's not I'm so excited about this. I'm

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Speaker 1: just so proud of like the beck you've become.

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Speaker 4: Thank you, But you know that's that's what I mean, like,

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Speaker 4: is that like that works for me, and that's money

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Speaker 4: that I just feel like I can't touch. For some reason,

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00:20:59,840 --> 00:21:02,159
Speaker 4: but that was in my savings account. It would not

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Speaker 4: exist on the journey. He has been fun. I've connected,

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Speaker 4: I've bonded, I've made friends, I've done wild things, and

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Speaker 4: I just it is embarrassing.

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Speaker 1: No, it's not. No, it's not no, but it feels

429
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Speaker 1: embarrassing when you're on the one hundred percent, it feels it,

430
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Speaker 1: but it is not embarrassed. You're allowed to feel embarrassment,

431
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Speaker 1: but that does not mean that it is an embarrassing things.

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Speaker 4: It feels embarrassing, but it also feels deeply unfair that

433
00:21:26,880 --> 00:21:31,040
Speaker 4: there's this this this like base level template for how

434
00:21:31,200 --> 00:21:33,200
Speaker 4: we think and feel and how we're meant to live

435
00:21:33,400 --> 00:21:37,200
Speaker 4: that doesn't fit everyone. It actually, I don't think it's

436
00:21:37,240 --> 00:21:40,439
Speaker 4: a lot of people, and we just we just blindly

437
00:21:40,600 --> 00:21:43,160
Speaker 4: accept it and we live like that and it makes

438
00:21:43,160 --> 00:21:45,919
Speaker 4: some of us deeply miserable. But sorry, that's just how

439
00:21:45,920 --> 00:21:46,880
Speaker 4: you meant to live and.

440
00:21:46,800 --> 00:21:49,760
Speaker 1: Now it's not. And I agree with you that that exists,

441
00:21:49,800 --> 00:21:53,800
Speaker 1: but it frustrates the hell out of many that you

442
00:21:54,040 --> 00:21:56,840
Speaker 1: can't just be happy, like people are trying to tell

443
00:21:56,920 --> 00:22:00,240
Speaker 1: you how to live in line with their values, and like,

444
00:22:00,280 --> 00:22:03,960
Speaker 1: don't get me wrong, I'm so opinionated, but like I

445
00:22:04,000 --> 00:22:06,960
Speaker 1: would like to think that it's on the things that

446
00:22:08,480 --> 00:22:11,919
Speaker 1: aren't about you making the decision that is aligned with

447
00:22:12,119 --> 00:22:16,880
Speaker 1: your genuine thoughts and values and beliefs lack. And it's

448
00:22:16,920 --> 00:22:19,520
Speaker 1: like when we were talking about politics, so like the

449
00:22:19,680 --> 00:22:23,480
Speaker 1: election has come and gone, and throughout that process I

450
00:22:23,600 --> 00:22:26,160
Speaker 1: literally kept saying because people would message me like, oh,

451
00:22:26,160 --> 00:22:27,520
Speaker 1: who are you voting for? What are you doing? And

452
00:22:27,560 --> 00:22:29,720
Speaker 1: I'm like, I'm not even sharing that because I just

453
00:22:29,760 --> 00:22:32,040
Speaker 1: don't want you to think that I would judge you

454
00:22:32,080 --> 00:22:35,280
Speaker 1: for voting any differently, Like if you vote the same, great,

455
00:22:35,400 --> 00:22:39,320
Speaker 1: I'm sure that people could probably like clearly and very

456
00:22:39,359 --> 00:22:42,280
Speaker 1: easily speculate who I voted for. I don't think that

457
00:22:42,480 --> 00:22:46,159
Speaker 1: if you consumed all of my content you wouldn't be

458
00:22:46,200 --> 00:22:48,800
Speaker 1: able to guess that. But I also go, but I

459
00:22:48,800 --> 00:22:51,120
Speaker 1: don't care who you vote for. What I actually care

460
00:22:51,200 --> 00:22:53,520
Speaker 1: about is that you voted in line with your values,

461
00:22:53,560 --> 00:22:55,720
Speaker 1: Like have you spent the time and the energy to

462
00:22:55,760 --> 00:22:58,800
Speaker 1: work out like what you like, beck, and like what

463
00:22:58,920 --> 00:23:01,680
Speaker 1: things align with that? Like that's all I care about,

464
00:23:01,760 --> 00:23:04,399
Speaker 1: you living the best life for you. And it's like

465
00:23:04,440 --> 00:23:06,760
Speaker 1: when I say, oh, Beck, I'm so proud of the

466
00:23:06,800 --> 00:23:10,439
Speaker 1: Beck you've become. It's because past Beck would have been like,

467
00:23:10,600 --> 00:23:14,240
Speaker 1: oh my god, Like Beck's still having fun, but she

468
00:23:14,320 --> 00:23:16,800
Speaker 1: also feels a little bit more financially secure. And how

469
00:23:16,840 --> 00:23:20,239
Speaker 1: sick is that? Like, it's not because you've adhered to

470
00:23:20,359 --> 00:23:23,960
Speaker 1: somebody else's values or copied my investment strategy or whatever.

471
00:23:24,040 --> 00:23:27,199
Speaker 1: It's because you're living in line with the values that

472
00:23:27,280 --> 00:23:31,560
Speaker 1: you hold. And that's so friggin' cool, thank you, But

473
00:23:31,680 --> 00:23:34,200
Speaker 1: like that's what we want for our communities. I don't

474
00:23:34,200 --> 00:23:36,399
Speaker 1: when you feel judged by parents who are living a

475
00:23:36,440 --> 00:23:39,960
Speaker 1: lifestyle that you probably don't even want exactly do what

476
00:23:40,000 --> 00:23:42,360
Speaker 1: makes you happy? Karen, I don't actually want to live

477
00:23:42,520 --> 00:23:45,040
Speaker 1: like you. Yeah, I completely agree.

478
00:23:45,080 --> 00:23:47,840
Speaker 3: I think that Beck, You're so right that there is

479
00:23:48,040 --> 00:23:50,919
Speaker 3: so much value in non traditional pathways, like there is.

480
00:23:51,520 --> 00:23:54,280
Speaker 3: Seeking joy from your life is not a bad thing.

481
00:23:54,320 --> 00:23:56,560
Speaker 3: And if that means that you're going against the status quo,

482
00:23:56,680 --> 00:23:58,040
Speaker 3: like I think it takes a lot.

483
00:23:57,960 --> 00:23:59,119
Speaker 1: Of strength actually to do that.

484
00:23:59,760 --> 00:24:03,720
Speaker 3: Will say that I suspect that your parents' conversation is

485
00:24:03,720 --> 00:24:07,720
Speaker 3: coming from a place of concern for your future stability,

486
00:24:07,960 --> 00:24:10,400
Speaker 3: and I understand that, Like I was someone we've seven

487
00:24:10,440 --> 00:24:12,160
Speaker 3: the podcast before, like I would travel and come.

488
00:24:12,080 --> 00:24:13,480
Speaker 1: Back with like literally no money at all.

489
00:24:14,040 --> 00:24:17,959
Speaker 3: But like now, when I reflect on that, I go, oh,

490
00:24:18,000 --> 00:24:19,800
Speaker 3: on some level, I wish that I did it differently.

491
00:24:19,840 --> 00:24:21,240
Speaker 1: I don't regret traveling at all.

492
00:24:21,119 --> 00:24:25,560
Speaker 3: But I do wish that I had more financial literacy,

493
00:24:25,760 --> 00:24:27,560
Speaker 3: which at the time I didn't like me.

494
00:24:28,000 --> 00:24:29,880
Speaker 1: You don't know what you don't know, right, correct.

495
00:24:29,920 --> 00:24:31,479
Speaker 3: I don't think it's cool the way that this has

496
00:24:31,520 --> 00:24:33,359
Speaker 3: come about, and I'm so sorry that they've made you

497
00:24:33,400 --> 00:24:36,000
Speaker 3: feel this way, because you absolutely shouldn't. But I do

498
00:24:36,040 --> 00:24:38,760
Speaker 3: think it's cool, as someone who had that experience myself,

499
00:24:38,800 --> 00:24:40,439
Speaker 3: that you have come to a place where, like, I

500
00:24:40,520 --> 00:24:43,200
Speaker 3: want to know more so I can create something better.

501
00:24:43,600 --> 00:24:45,840
Speaker 3: And I think that that's really awesome that that's how

502
00:24:45,880 --> 00:24:47,720
Speaker 3: you're feeling. And I just want to say that you

503
00:24:47,760 --> 00:24:49,600
Speaker 3: can have both, Like you can still do the things

504
00:24:49,600 --> 00:24:52,120
Speaker 3: that you value. I have still traveled, even when, as

505
00:24:52,160 --> 00:24:54,720
Speaker 3: you said, I'm quite a good saver. I still travel.

506
00:24:54,720 --> 00:24:57,840
Speaker 3: I still do things that bring me happiness whilst still

507
00:24:57,880 --> 00:25:00,520
Speaker 3: working towards my financial goals. You don't have to entirely

508
00:25:00,560 --> 00:25:03,359
Speaker 3: sacrifice one for the other. But I would say that

509
00:25:04,080 --> 00:25:06,040
Speaker 3: my worry for you, which is my worry for you

510
00:25:06,080 --> 00:25:07,760
Speaker 3: to beck, is I always just want people to have

511
00:25:07,800 --> 00:25:10,439
Speaker 3: an emergency fund. I never want someone to be in

512
00:25:10,440 --> 00:25:13,200
Speaker 3: a position where, you know, if you were overseas and

513
00:25:13,520 --> 00:25:16,199
Speaker 3: you got injured, or if you were at home and

514
00:25:16,240 --> 00:25:18,720
Speaker 3: you suddenly found yourself without someone to live. Like, my

515
00:25:18,880 --> 00:25:21,639
Speaker 3: worry for anyone, but for women especially is that they

516
00:25:21,680 --> 00:25:23,720
Speaker 3: find themselves in a situation they can't get out of

517
00:25:23,760 --> 00:25:27,040
Speaker 3: because of money. And so I think it's exciting that

518
00:25:27,160 --> 00:25:29,159
Speaker 3: you're entering a phase where you kind of want to

519
00:25:29,200 --> 00:25:32,280
Speaker 3: start working on those things, because having a level of

520
00:25:32,320 --> 00:25:34,800
Speaker 3: financial security is also very freeing.

521
00:25:34,960 --> 00:25:37,240
Speaker 1: I think you'll find I love it. I think it's

522
00:25:37,280 --> 00:25:39,520
Speaker 1: about just living in line with your values, and like,

523
00:25:39,560 --> 00:25:43,200
Speaker 1: if I reflect on your journeys and even my journeys,

524
00:25:43,280 --> 00:25:46,040
Speaker 1: I know that financial literacy would have meant that I

525
00:25:46,119 --> 00:25:50,320
Speaker 1: could have just been less anxious and less worried about

526
00:25:50,359 --> 00:25:52,360
Speaker 1: things like beck, I'm sure that if we go back

527
00:25:52,400 --> 00:25:54,720
Speaker 1: to all the times that you've had, you'd be like, no,

528
00:25:54,760 --> 00:25:57,120
Speaker 1: I don't regret any of them. But if I go, okay, cool,

529
00:25:57,160 --> 00:25:59,399
Speaker 1: but if we thought about money and the relationship you

530
00:25:59,400 --> 00:26:01,080
Speaker 1: had at that time, you might go, oh, yeah, it

531
00:26:01,119 --> 00:26:02,760
Speaker 1: was a bit angsty, but I was still having a

532
00:26:02,760 --> 00:26:06,200
Speaker 1: good time that doesn't invalidate the fact that you were

533
00:26:06,280 --> 00:26:08,359
Speaker 1: having a good time. It's just like, imagine if you

534
00:26:08,400 --> 00:26:10,760
Speaker 1: had an emergency fund to go through that journey with

535
00:26:10,800 --> 00:26:13,000
Speaker 1: as well, it might have made it even better. And

536
00:26:13,000 --> 00:26:15,560
Speaker 1: the same with you, Jess, Like coming home from overseas

537
00:26:15,640 --> 00:26:17,239
Speaker 1: and we've talked about it, you came home with like

538
00:26:17,440 --> 00:26:19,880
Speaker 1: not enough money to buy a Mars bar at the airport,

539
00:26:20,200 --> 00:26:23,000
Speaker 1: and like, that's fine, but I can almost guarantee that

540
00:26:23,000 --> 00:26:25,160
Speaker 1: that version of Jess would have been so much more

541
00:26:25,160 --> 00:26:28,960
Speaker 1: comfortable flying back into the country with enough money to

542
00:26:28,960 --> 00:26:31,560
Speaker 1: buy a Mars Bar. And it's like, not even the

543
00:26:31,640 --> 00:26:34,040
Speaker 1: fact that it's a Mars bar, it's just like knowing

544
00:26:34,080 --> 00:26:38,240
Speaker 1: that you've got the financial backing to make the decisions

545
00:26:38,240 --> 00:26:41,160
Speaker 1: that you want to make. Absolutely. So I guess that's

546
00:26:41,200 --> 00:26:43,080
Speaker 1: a good place to wrap that one, because I want

547
00:26:43,080 --> 00:26:45,840
Speaker 1: to dive into the next one because we got a

548
00:26:45,920 --> 00:26:48,520
Speaker 1: DM this week. Are you ready ready? Hey, she's on

549
00:26:48,560 --> 00:26:52,440
Speaker 1: the money. We're selling our townhouse and need a second opinion.

550
00:26:52,920 --> 00:26:55,800
Speaker 1: It's thirteen years old, so bigger than the newer builds,

551
00:26:56,040 --> 00:26:58,840
Speaker 1: but it's dated compared to what else is on the market.

552
00:26:59,160 --> 00:27:01,760
Speaker 1: Our real estate. A reckons we need a good coat

553
00:27:01,800 --> 00:27:04,120
Speaker 1: of paint and new carpet to get the top end

554
00:27:04,240 --> 00:27:07,560
Speaker 1: of what similar properties are getting. My partner is happy,

555
00:27:07,600 --> 00:27:10,320
Speaker 1: but I'm not convinced. I can't see how we're going

556
00:27:10,359 --> 00:27:14,040
Speaker 1: to compete with the modern places without doing something. The

557
00:27:14,160 --> 00:27:17,159
Speaker 1: range of what similar properties are selling above for is

558
00:27:17,160 --> 00:27:19,840
Speaker 1: between one hundred and fifty to two hundred thousand dollars,

559
00:27:20,280 --> 00:27:23,520
Speaker 1: So to me, it's a worth the investment, not a

560
00:27:23,520 --> 00:27:26,840
Speaker 1: full reno, just few cosmetic updates to make it feel

561
00:27:26,960 --> 00:27:30,560
Speaker 1: less tired. He says. Buyers will do their own renouts anyway,

562
00:27:30,680 --> 00:27:33,040
Speaker 1: so we'd be wasting our money. I don't want to

563
00:27:33,080 --> 00:27:35,600
Speaker 1: over capitalize, but I also don't want to leave money

564
00:27:35,680 --> 00:27:38,320
Speaker 1: on the table. Would you go with the agent or

565
00:27:38,359 --> 00:27:43,600
Speaker 1: trust your gut to modernize it before listing it. Let's

566
00:27:43,640 --> 00:27:46,480
Speaker 1: ask Jess to begin with, because Jess, you are in

567
00:27:46,520 --> 00:27:50,880
Speaker 1: the process of like looking at different properties, and I mean,

568
00:27:51,320 --> 00:27:53,280
Speaker 1: if a property is one hundred and fifty to two

569
00:27:53,320 --> 00:27:57,159
Speaker 1: hundred and fifty thousand dollars over because it's quote more modern,

570
00:27:57,400 --> 00:28:00,600
Speaker 1: I'm assuming that you're purchasing properties over a miss million dollars.

571
00:28:00,680 --> 00:28:03,199
Speaker 1: Is that a fair assumption? Yeah, I would say, yeah. So, Like,

572
00:28:03,320 --> 00:28:05,320
Speaker 1: let's pretend it's not one hundred and fifty to two

573
00:28:05,400 --> 00:28:08,119
Speaker 1: hundred thousand dollars like in your price range. Let's just

574
00:28:08,160 --> 00:28:12,000
Speaker 1: like pretend it's a bit more. Are you preferring like

575
00:28:12,160 --> 00:28:16,879
Speaker 1: modern properties over like more dated ones with bigger rooms?

576
00:28:16,880 --> 00:28:16,960
Speaker 2: Like?

577
00:28:17,000 --> 00:28:19,320
Speaker 3: What does that look like for you? I, personally my

578
00:28:19,359 --> 00:28:21,520
Speaker 3: preference is for a modern finish, but I'm also very

579
00:28:21,560 --> 00:28:25,119
Speaker 3: open to renovating myself. When looking at established properties, I

580
00:28:25,160 --> 00:28:26,919
Speaker 3: think like the biggest thing that your buyers are going

581
00:28:26,960 --> 00:28:29,159
Speaker 3: to be looking at is the floor plan, the configuration,

582
00:28:29,200 --> 00:28:31,159
Speaker 3: which is something that you can't change anyway. Like for

583
00:28:31,200 --> 00:28:34,160
Speaker 3: me personally, I know that you can make cosmetic changes

584
00:28:34,200 --> 00:28:36,720
Speaker 3: yourself down the line, But the things that I care

585
00:28:36,800 --> 00:28:39,360
Speaker 3: most about if I was to buy an established property

586
00:28:39,560 --> 00:28:42,040
Speaker 3: is the structural things, like things that I can't change,

587
00:28:42,080 --> 00:28:44,200
Speaker 3: would be very expensive to change. What's the heart of

588
00:28:44,240 --> 00:28:46,600
Speaker 3: the ceilings, what's the configuration of the floor plan, like

589
00:28:46,640 --> 00:28:48,320
Speaker 3: those sorts of things which are things that you wouldn't

590
00:28:48,320 --> 00:28:51,560
Speaker 3: be changing regardless. I think that so when I worked

591
00:28:51,560 --> 00:28:53,720
Speaker 3: in real estate, coda paint and new carpets is something

592
00:28:53,760 --> 00:28:56,440
Speaker 3: that we would tell most people with any kind of

593
00:28:56,480 --> 00:28:58,840
Speaker 3: damage to those things, you'd be amazed or what a.

594
00:28:58,760 --> 00:29:03,920
Speaker 1: Difference walking into it feeling freshe hundred percent.

595
00:29:04,320 --> 00:29:06,160
Speaker 3: I think that there's a lot that you can do

596
00:29:07,040 --> 00:29:10,360
Speaker 3: relatively affordably. So you could probably look at updating, potentially

597
00:29:10,400 --> 00:29:12,520
Speaker 3: painting any cabinetry that you have, depending on what it

598
00:29:12,520 --> 00:29:15,400
Speaker 3: looks like, or re staining it. A lot of older

599
00:29:15,400 --> 00:29:17,880
Speaker 3: properties have maybe a darker wood. You could look at

600
00:29:17,880 --> 00:29:21,320
Speaker 3: sandia back or something like that. Changing your fixtures handles

601
00:29:21,320 --> 00:29:23,640
Speaker 3: stuff like that to a more modern option as well,

602
00:29:23,640 --> 00:29:26,720
Speaker 3: maybe from like a little round knob to something more elongated.

603
00:29:27,200 --> 00:29:28,920
Speaker 3: There are lots of changes that you can make that

604
00:29:28,960 --> 00:29:30,960
Speaker 3: would be very affordable. It wouldn't take you a lot

605
00:29:30,960 --> 00:29:32,840
Speaker 3: of time, but might make a difference. The other thing

606
00:29:32,880 --> 00:29:34,200
Speaker 3: we used to recommend a lot when I worked in

607
00:29:34,240 --> 00:29:37,560
Speaker 3: real estate was staging. Staging makes a huge difference, and

608
00:29:37,600 --> 00:29:39,920
Speaker 3: we saw this in My really good friends sold their

609
00:29:39,920 --> 00:29:44,520
Speaker 3: property not too long ago, and their house was smaller

610
00:29:44,560 --> 00:29:46,320
Speaker 3: than a lot of the other properties on the market,

611
00:29:46,600 --> 00:29:48,800
Speaker 3: but it was by far the most popular in terms

612
00:29:48,800 --> 00:29:51,120
Speaker 3: of people who came through, and it sold for like

613
00:29:51,160 --> 00:29:52,800
Speaker 3: thirty five thousand dollars over what.

614
00:29:52,720 --> 00:29:53,920
Speaker 1: Their expectation was.

615
00:29:53,960 --> 00:29:56,120
Speaker 3: Oh, that's so good, And I think it's because they

616
00:29:56,160 --> 00:29:58,840
Speaker 3: had styled their property really beautifully. Themselves like it was

617
00:29:58,880 --> 00:30:01,560
Speaker 3: already they didn't hire a stager. It was just they

618
00:30:01,600 --> 00:30:04,560
Speaker 3: already had like a nicely furnished, finished home, and a

619
00:30:04,680 --> 00:30:08,040
Speaker 3: stager is what jess because people might be like, sorry,

620
00:30:08,080 --> 00:30:10,320
Speaker 3: what's a stager? So you can have someone come in

621
00:30:10,360 --> 00:30:11,960
Speaker 3: and they will stage your house so they can bring

622
00:30:11,960 --> 00:30:15,440
Speaker 3: in furniture or just furnishings like stuff, furnishings, curtains, things

623
00:30:15,520 --> 00:30:17,680
Speaker 3: like that to style your They make.

624
00:30:17,560 --> 00:30:19,080
Speaker 1: The house look really beautiful.

625
00:30:19,240 --> 00:30:22,960
Speaker 3: And I would say that it is absolutely worth the

626
00:30:23,000 --> 00:30:25,760
Speaker 3: investment if you do not have the stuff to do

627
00:30:25,800 --> 00:30:27,520
Speaker 3: it yourself. So if you have a house, if you

628
00:30:27,560 --> 00:30:30,400
Speaker 3: take a personal interest in having your gal's house, it

629
00:30:30,440 --> 00:30:33,440
Speaker 3: would be so easy to sell back. But if that's

630
00:30:33,440 --> 00:30:36,200
Speaker 3: something that's already priority, you've got it style or it's

631
00:30:36,200 --> 00:30:38,280
Speaker 3: got a particular theme, it's not as necessary. But if

632
00:30:38,320 --> 00:30:41,680
Speaker 3: you're someone I think like Boypad, like I've just got

633
00:30:42,000 --> 00:30:44,320
Speaker 3: a very basic ica coffee table, do you know what

634
00:30:44,320 --> 00:30:48,000
Speaker 3: I mean? No no styling things, no blankets, no pillows,

635
00:30:48,040 --> 00:30:48,520
Speaker 3: no nothing.

636
00:30:48,880 --> 00:30:53,280
Speaker 1: It might be Ryan's house from Maps, Yes, yeah, so

637
00:30:53,280 --> 00:30:55,440
Speaker 1: we would we would stage his house. I would probably

638
00:30:55,440 --> 00:30:58,720
Speaker 1: look at staging it because you would be amazed at

639
00:30:58,720 --> 00:31:02,280
Speaker 1: what a difference snakes. It can be a couple of

640
00:31:02,320 --> 00:31:07,720
Speaker 1: grand but I reckon that's an investment in getting more money. True, true, Yeah.

641
00:31:07,440 --> 00:31:09,800
Speaker 3: Because you would stage before you take your photos and

642
00:31:09,840 --> 00:31:13,320
Speaker 3: stuff typically too, so your property listing online, all those

643
00:31:13,360 --> 00:31:14,040
Speaker 3: sorts of things.

644
00:31:14,440 --> 00:31:16,640
Speaker 1: You can just pretend that's what you usually live, like

645
00:31:16,720 --> 00:31:17,280
Speaker 1: if you want.

646
00:31:17,480 --> 00:31:21,640
Speaker 3: Yeah, they can use AI nowadays. I've seen that should

647
00:31:21,680 --> 00:31:24,000
Speaker 3: be legal. Sorry, which I don't like. You know what,

648
00:31:24,080 --> 00:31:25,880
Speaker 3: Sometimes they do it and it's really hard to tell.

649
00:31:25,920 --> 00:31:28,160
Speaker 3: But then the thing is is when people come through teas,

650
00:31:28,160 --> 00:31:30,960
Speaker 3: they're going to see it in person, it can be

651
00:31:31,000 --> 00:31:33,400
Speaker 3: a bit jarring if it doesn't look the same.

652
00:31:33,640 --> 00:31:36,040
Speaker 1: Yeah, I'd be like, where's that room with the beautiful chair?

653
00:31:36,080 --> 00:31:37,440
Speaker 1: And then the chair doesn't exist?

654
00:31:37,560 --> 00:31:40,040
Speaker 3: Yeah, exactly, So I would also look at you might

655
00:31:40,080 --> 00:31:42,200
Speaker 3: not even need to renovate, but maybe staging, whether you

656
00:31:42,200 --> 00:31:44,200
Speaker 3: do it yourself and you purchase things that you can

657
00:31:44,240 --> 00:31:46,200
Speaker 3: then keep and take to you an extra or sell on,

658
00:31:46,440 --> 00:31:48,480
Speaker 3: or whether you bring a professional in to do it,

659
00:31:48,560 --> 00:31:51,320
Speaker 3: might be a good way again to make things look

660
00:31:51,320 --> 00:31:54,280
Speaker 3: a little more updated without having to fully renovate.

661
00:31:54,440 --> 00:31:57,120
Speaker 1: Yeah, Beck, what are you doing to your house that

662
00:31:57,200 --> 00:31:59,240
Speaker 1: you want to sell? God, I'll tell you what.

663
00:31:59,480 --> 00:32:02,480
Speaker 4: I don't think I'll ever be in this predicament, but

664
00:32:02,560 --> 00:32:04,520
Speaker 4: I think I would do exactly what Jess says.

665
00:32:04,720 --> 00:32:08,520
Speaker 1: I'm just gonna so your advice is just called Jess

666
00:32:08,600 --> 00:32:10,440
Speaker 1: up what Jess would say.

667
00:32:10,240 --> 00:32:12,160
Speaker 4: Exactly, because I'm thinking, like if I was gonna buy

668
00:32:12,160 --> 00:32:15,120
Speaker 4: something honestly, like the this is not at all what

669
00:32:15,160 --> 00:32:18,360
Speaker 4: our listener is asking, but if it means that something's

670
00:32:18,360 --> 00:32:19,760
Speaker 4: a little bit cheaper, but it's a little bit more

671
00:32:19,800 --> 00:32:23,440
Speaker 4: run down, but I can actually afford it, or someone

672
00:32:23,520 --> 00:32:26,520
Speaker 4: who is has just saved enough and they can't afford

673
00:32:26,560 --> 00:32:29,000
Speaker 4: too much and it's their first home and they're like, oh,

674
00:32:29,040 --> 00:32:30,680
Speaker 4: this is a bit run down, but hey, I can

675
00:32:30,680 --> 00:32:33,400
Speaker 4: afford it. I don't mind. I'm like, I would be

676
00:32:33,400 --> 00:32:35,680
Speaker 4: happy just leave it as his. So I was just

677
00:32:35,720 --> 00:32:38,920
Speaker 4: in case that that is the case. But yeah, I

678
00:32:38,960 --> 00:32:42,600
Speaker 4: guess probably like exactly as just like even yeah, just

679
00:32:42,600 --> 00:32:46,240
Speaker 4: like little things like maybe like the taps or yeah,

680
00:32:46,440 --> 00:32:48,280
Speaker 4: like the door handles and things like that, Like little

681
00:32:48,320 --> 00:32:50,400
Speaker 4: things make a big difference. One thing that always turns

682
00:32:50,400 --> 00:32:52,840
Speaker 4: me off for some reason is like those wardrobes that

683
00:32:52,880 --> 00:32:58,320
Speaker 4: have like the really flimsy wooden shelving that for some

684
00:32:58,360 --> 00:33:00,280
Speaker 4: reason always like I'm like, I don't want that, and

685
00:33:00,320 --> 00:33:02,800
Speaker 4: I don't know why, but so I don't know how

686
00:33:02,840 --> 00:33:04,520
Speaker 4: cheap that is fixed. But if you just get those

687
00:33:04,560 --> 00:33:06,840
Speaker 4: like I don't know, just kind of fix the little

688
00:33:06,840 --> 00:33:11,000
Speaker 4: things up, things that are fairly cheap, fairly quick, fairly easy. Yeah,

689
00:33:11,080 --> 00:33:13,160
Speaker 4: go for it with the new paint, new carpet, and

690
00:33:13,160 --> 00:33:15,000
Speaker 4: see how you go and see if you like it.

691
00:33:15,080 --> 00:33:18,320
Speaker 4: If you like it after like the staging and the

692
00:33:18,800 --> 00:33:21,120
Speaker 4: new paint and all this, and you're like, this is

693
00:33:21,680 --> 00:33:23,680
Speaker 4: now doable, and is it possible to just like put

694
00:33:23,680 --> 00:33:25,000
Speaker 4: it up for a few months, see how you and

695
00:33:25,040 --> 00:33:29,440
Speaker 4: if it doesn't do what you expected, then do rhetos.

696
00:33:29,520 --> 00:33:31,480
Speaker 1: Then is that allowed? It depends on if you're going

697
00:33:31,640 --> 00:33:32,080
Speaker 1: to auction.

698
00:33:32,200 --> 00:33:33,600
Speaker 3: If you're going to auction, you have to set a

699
00:33:33,640 --> 00:33:35,560
Speaker 3: reserve a price that you're willing to sell it for.

700
00:33:35,640 --> 00:33:38,480
Speaker 3: If you're selling it privately, you can still have that

701
00:33:38,520 --> 00:33:40,720
Speaker 3: conversation with your agent and say, oh, I'm not willing

702
00:33:40,720 --> 00:33:42,800
Speaker 3: to sell it unless it's X, y Z fair.

703
00:33:43,160 --> 00:33:45,120
Speaker 1: I'm going to be a little bit controversial and say

704
00:33:45,160 --> 00:33:48,480
Speaker 1: in this instance, I feel before we get to the

705
00:33:48,480 --> 00:33:52,120
Speaker 1: group chat that I actually trust the real estate agent

706
00:33:52,480 --> 00:33:54,480
Speaker 1: that is going to be a little bit spicy. But

707
00:33:54,520 --> 00:33:56,840
Speaker 1: the reason I trust the real estate agent is because

708
00:33:56,840 --> 00:33:59,080
Speaker 1: you've said that the difference is between one hundred and

709
00:33:59,120 --> 00:34:02,320
Speaker 1: fifty and two hundred one thousand dollars. And real estate

710
00:34:02,360 --> 00:34:05,560
Speaker 1: agents get paid a commission based on how much a

711
00:34:05,640 --> 00:34:09,799
Speaker 1: property sells for. So in Australia, the most common commission

712
00:34:09,960 --> 00:34:12,879
Speaker 1: that will be payable so you sell your house, two

713
00:34:13,000 --> 00:34:16,279
Speaker 1: percent of that purchase price is usually the commission that

714
00:34:16,320 --> 00:34:18,359
Speaker 1: your real estate agent is going to make. And then

715
00:34:18,520 --> 00:34:21,560
Speaker 1: of that commission, a real estate agent is usually going to,

716
00:34:21,640 --> 00:34:24,960
Speaker 1: like the individual is probably going to take like forty percent,

717
00:34:25,360 --> 00:34:28,600
Speaker 1: and then the agency, so like the agency that they

718
00:34:28,640 --> 00:34:31,839
Speaker 1: work for, usually keeps sixty percent. They can slide up

719
00:34:31,880 --> 00:34:35,520
Speaker 1: and down like different horses for different courses. The difference

720
00:34:35,560 --> 00:34:39,080
Speaker 1: between a house selling for seven hundred and fifty thousand

721
00:34:39,080 --> 00:34:41,040
Speaker 1: dollars or a million dollars, which is like two hundred

722
00:34:41,040 --> 00:34:43,520
Speaker 1: and fifty grand, is going to mean a difference of

723
00:34:43,680 --> 00:34:48,240
Speaker 1: like five grand. So like instead the agent for selling

724
00:34:48,239 --> 00:34:51,680
Speaker 1: your house at seven hundred and fifty thousand dollars would

725
00:34:51,680 --> 00:34:54,680
Speaker 1: get what six grand, But if they sell your property

726
00:34:54,680 --> 00:34:56,600
Speaker 1: for a million dollars, they're going to get eight grand.

727
00:34:56,680 --> 00:34:59,960
Speaker 1: That's like two thousand dollars difference, and that's a lot

728
00:35:00,080 --> 00:35:02,319
Speaker 1: of money. Like, so if you're talking to your real

729
00:35:02,400 --> 00:35:05,440
Speaker 1: estate agent and you're like, hey, like, should I restyle

730
00:35:05,520 --> 00:35:08,520
Speaker 1: this property at my own cost? If I was the

731
00:35:08,560 --> 00:35:10,839
Speaker 1: real estate agent and I genuinely thought I'd make more

732
00:35:10,840 --> 00:35:13,640
Speaker 1: money by you doing that, I'd be like, yeah, Jess,

733
00:35:13,719 --> 00:35:16,480
Speaker 1: please go spend all this money restyling this property or

734
00:35:16,520 --> 00:35:20,759
Speaker 1: doing all of these cosmetic changes. It makes sense you'll

735
00:35:20,800 --> 00:35:23,799
Speaker 1: get more money because like there's no comparison, right, Like,

736
00:35:23,880 --> 00:35:25,680
Speaker 1: if you don't get more money, they'll be like, well,

737
00:35:25,680 --> 00:35:27,600
Speaker 1: that's what the house was worth. I'm glad you invested

738
00:35:27,640 --> 00:35:28,640
Speaker 1: it because you would have got less.

739
00:35:28,840 --> 00:35:29,040
Speaker 5: Right.

740
00:35:29,520 --> 00:35:32,440
Speaker 1: But if I didn't believe that, and I was like,

741
00:35:32,480 --> 00:35:34,799
Speaker 1: oh Jess, please don't go and bother with that, I'm

742
00:35:34,800 --> 00:35:38,120
Speaker 1: seeing properties literally sell for the same whether they've been

743
00:35:38,200 --> 00:35:41,839
Speaker 1: cosmetically updated or not. Yeah, I'd probably be like, yeah,

744
00:35:41,880 --> 00:35:45,080
Speaker 1: that seems pretty fair, like because you would know the area,

745
00:35:45,239 --> 00:35:47,960
Speaker 1: and also your money's on the line as well. If

746
00:35:47,960 --> 00:35:50,759
Speaker 1: I do these cosmetic updates and they're the reason we

747
00:35:50,800 --> 00:35:52,560
Speaker 1: get more, you're going to make more money, but you're

748
00:35:52,600 --> 00:35:55,279
Speaker 1: saying it's not worth it. So I kind of err

749
00:35:55,400 --> 00:35:58,280
Speaker 1: on the side of feeling like the real estate agent

750
00:35:58,360 --> 00:36:00,840
Speaker 1: makes sense and like that real estate state agent is

751
00:36:00,920 --> 00:36:03,359
Speaker 1: working for you as the seller. Yeah, and I think

752
00:36:03,440 --> 00:36:05,600
Speaker 1: a lot of the time we need to remember who

753
00:36:05,920 --> 00:36:09,200
Speaker 1: that professional works for, because the real estate agent isn't

754
00:36:09,200 --> 00:36:12,000
Speaker 1: working for the buyer. The real estate agent is trying

755
00:36:12,000 --> 00:36:13,520
Speaker 1: to get the most amount of money out of the

756
00:36:13,560 --> 00:36:16,200
Speaker 1: buyer for the seller because they make money that way.

757
00:36:16,640 --> 00:36:19,600
Speaker 1: So that's where my I guess brain would see it

758
00:36:19,760 --> 00:36:22,879
Speaker 1: on that. We also asked the community. We said, would

759
00:36:22,880 --> 00:36:26,480
Speaker 1: you trust the agent's advice, and fifty five percent of

760
00:36:26,520 --> 00:36:30,080
Speaker 1: you said, I'd get another agent's opinion fair because like same,

761
00:36:30,800 --> 00:36:33,280
Speaker 1: thirty two percent of you said yes, they know the market,

762
00:36:33,320 --> 00:36:35,279
Speaker 1: and thirteen percent of you said, nah, I'm going to

763
00:36:35,280 --> 00:36:38,719
Speaker 1: trust my gut. We asked, do you think when it

764
00:36:38,719 --> 00:36:43,759
Speaker 1: comes to property presentation sells is actually true? Forty six

765
00:36:43,800 --> 00:36:46,239
Speaker 1: percent of you said yes, twenty eight percent of you

766
00:36:46,320 --> 00:36:49,000
Speaker 1: said only to some buyers, in twenty five percent of

767
00:36:49,040 --> 00:36:50,880
Speaker 1: you said it's going to really depend on the property.

768
00:36:51,320 --> 00:36:55,040
Speaker 1: And then we asked, well, what's your two cents? My

769
00:36:55,120 --> 00:36:57,279
Speaker 1: favorite comment that I'm going to read that first says, well,

770
00:36:57,320 --> 00:37:01,160
Speaker 1: you're both right, yeah, okay, and I mean it depends

771
00:37:01,160 --> 00:37:04,200
Speaker 1: how much those cosmetic upgrades are going to cost you, right, Yeah,

772
00:37:04,200 --> 00:37:07,239
Speaker 1: Like if it's little things you can do here and there, absolutely,

773
00:37:07,400 --> 00:37:09,640
Speaker 1: But like if it's going to take weekends and weekends

774
00:37:09,719 --> 00:37:12,640
Speaker 1: of repainting the whole kitchen. In the hopes that that happens,

775
00:37:13,040 --> 00:37:15,319
Speaker 1: I promise, Like when I have purchased property and I

776
00:37:15,360 --> 00:37:17,879
Speaker 1: walk into the kitchen it's the wrong color, I'm like, cool,

777
00:37:17,960 --> 00:37:20,799
Speaker 1: that's easy changed. Let me see the floor plan, let

778
00:37:20,800 --> 00:37:23,160
Speaker 1: me see the how like their room heights, et cetera.

779
00:37:23,800 --> 00:37:26,560
Speaker 1: Someone else said, I recently purchased a nine hundred thousand

780
00:37:26,600 --> 00:37:29,640
Speaker 1: dollar property, spent two grand on renaults, and it just

781
00:37:29,680 --> 00:37:31,960
Speaker 1: got revalued for a million dollars. There you go.

782
00:37:32,239 --> 00:37:34,239
Speaker 3: And that's the thing is it can make a big

783
00:37:34,280 --> 00:37:35,960
Speaker 3: difference without a b investment.

784
00:37:36,120 --> 00:37:38,439
Speaker 1: Yeah. Someone else said, it can actually be really hard

785
00:37:38,440 --> 00:37:41,080
Speaker 1: for people to visualize the home's potential. So I would

786
00:37:41,080 --> 00:37:44,879
Speaker 1: do enough to make sure it looks good. Another person said,

787
00:37:44,960 --> 00:37:47,920
Speaker 1: I'd rather have the blank slate to make a place

788
00:37:48,080 --> 00:37:50,880
Speaker 1: my own. Just make it really clean and we're good

789
00:37:50,960 --> 00:37:53,160
Speaker 1: to go, which I think is really good. I have

790
00:37:53,200 --> 00:37:57,200
Speaker 1: a three part one So someone said, I specialize in this.

791
00:37:57,440 --> 00:37:59,200
Speaker 1: If the gap in the market is big, and you

792
00:37:59,239 --> 00:38:02,239
Speaker 1: can do the renaults under that, it could definitely be

793
00:38:02,360 --> 00:38:04,960
Speaker 1: worth it, not only more money, but it makes for

794
00:38:05,000 --> 00:38:09,320
Speaker 1: an easier sale. Eliminate as many buyer objections as possible,

795
00:38:09,360 --> 00:38:12,440
Speaker 1: and you will attract the most buyers to have competition

796
00:38:12,560 --> 00:38:15,600
Speaker 1: and sell the property quickly. Yeah, which I think your

797
00:38:15,640 --> 00:38:16,480
Speaker 1: friend's experience.

798
00:38:16,719 --> 00:38:19,120
Speaker 3: I'll see if they had multiple bidders that all wanted

799
00:38:19,200 --> 00:38:20,040
Speaker 3: the property.

800
00:38:19,719 --> 00:38:22,080
Speaker 1: And then I've got a couple more. One person said,

801
00:38:22,160 --> 00:38:25,000
Speaker 1: I recently bought an apartment and I actually only considered

802
00:38:25,000 --> 00:38:27,120
Speaker 1: the properties that were ready to move in and had

803
00:38:27,120 --> 00:38:29,920
Speaker 1: no changes. And then someone said, I don't want to

804
00:38:29,920 --> 00:38:32,799
Speaker 1: buy a house for one hundred thousand dollars more just

805
00:38:32,880 --> 00:38:36,319
Speaker 1: because it had a cheap fifteen thousand dollar facelift. There's

806
00:38:36,360 --> 00:38:38,279
Speaker 1: really two sides to the coins that. Well, it just

807
00:38:38,320 --> 00:38:41,160
Speaker 1: goes on and on, doesn't it. So that's it from me.

808
00:38:41,880 --> 00:38:44,560
Speaker 1: I hope you guys have a beautiful weekend and we'll

809
00:38:44,600 --> 00:38:53,680
Speaker 1: catch you on the flip side. Bye guys, Bye, did

810
00:38:53,719 --> 00:38:56,560
Speaker 1: buy shared on shees on. The money is generally nature

811
00:38:56,640 --> 00:39:00,480
Speaker 1: and does not consider your individual circumstances. All the money

812
00:39:00,560 --> 00:39:04,120
Speaker 1: exists purely for educational purposes and should not be relied

813
00:39:04,160 --> 00:39:07,279
Speaker 1: upon to make an investment or financial decision. If you

814
00:39:07,400 --> 00:39:10,120
Speaker 1: do choose to buy a financial product, read the PDS

815
00:39:10,160 --> 00:39:15,040
Speaker 1: TMD and obtain appropriate financial advice tailored towards your needs. Victoria,

816
00:39:15,080 --> 00:39:18,600
Speaker 1: Divine and Sheese on the Money are authorized representatives of

817
00:39:18,680 --> 00:39:22,879
Speaker 1: Money Sherper Pty Ltd ABN three two one six four

818
00:39:23,040 --> 00:39:26,879
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819
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