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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: for millennials who want financial freedom. Welcome back to another

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Speaker 2: one of our money daries where we get to talk

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Speaker 2: to one of our incredible She's on the Money community members.

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Speaker 2: All about our journey Now this week, I do want

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Speaker 2: to give you guys a little content warning before we

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Speaker 2: get started. This episode talks about mental health concerns including

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Speaker 2: BPD and PTSD, and we also talk about addiction. So

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Speaker 2: let's jump straight into it. We got a message this

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Speaker 2: week and it went a little bit like this dear,

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Speaker 2: she's on the money. I was homeless at seventeen and

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Speaker 2: navigated that system for over a year before getting into

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Speaker 2: a more secure position, only to move back in with

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Speaker 2: my dad and then need to leave again. After things

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Speaker 2: got incredibly tough, I was diagnosed with borderline personality disorder

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Speaker 2: PTSD and IBS, and this helped me to start turning

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Speaker 2: a corner. I'm now the most stable I have ever been,

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Speaker 2: and I'm receiving NDIS support. I've been working on a

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Speaker 2: budget with my occupational therapist. I finally have savings and

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Speaker 2: even have an emergency fund for my CA money. Diarist,

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Speaker 2: welcome to the show. How exciting.

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Speaker 4: Thank you so much for having me guys, it's an

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Speaker 4: absolute privilege.

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Speaker 2: Oh my gosh, no, it's a privilege to have you on.

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Speaker 2: I am so excited to learn a bit more about you.

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Speaker 2: That sounds like a journey. So do we want to

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Speaker 2: just start at the start with first things first? If

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Speaker 2: I asked you to give yourself a grade, what would

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Speaker 2: you grade your money habits from A through to F.

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Speaker 4: I thought about this a lot. I probably say I

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Speaker 4: give myself a C. I feel like I'm pretty average,

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Speaker 4: but do try my.

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Speaker 2: Best all right, let's learn a little bit more about it,

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Speaker 2: my friend, can you tell us a little bit about

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Speaker 2: your money story.

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Speaker 4: I guess I'll kind of start from the start from seventeen.

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Speaker 4: I mean, I kind of always grew up with very

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Speaker 4: little money, and my mom is a single mom. I

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Speaker 4: did have my dad in my life for a little bit,

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Speaker 4: but he wasn't financially contributing at all. It was just

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Speaker 4: my mother's income, and her income was the disability support

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Speaker 4: pension and we lived in housing commission and it was

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Speaker 4: very tough growing up. Money was always kind of a

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Speaker 4: thing we didn't speak about, and if it was spoken about,

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Speaker 4: it was usually out of frustration on my mom's part,

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Speaker 4: the stress that she was going through trying to manage

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Speaker 4: myself and I also have two siblings, so money was

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Speaker 4: very tight, and it was kind of something we didn't

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Speaker 4: ask for. So even if I needed it for my Mikey,

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Speaker 4: for example, to get to school, it was just not

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Speaker 4: something I asked for. I was just fair of vague

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Speaker 4: because it was just better to do that and it

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Speaker 4: was just less stress in the home. And then things

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Speaker 4: continued that way as I got older, and it was

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Speaker 4: when I hit seventeen that I was pretty much just

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Speaker 4: couldn't cope with the family life anymore, and the home

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Speaker 4: life was getting really bad, and I had spoken to

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Speaker 4: a couple of support workers at the time and they

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Speaker 4: encouraged me to move out and to try and find

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Speaker 4: some independence and a safer environment. My family home life

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Speaker 4: was heavily affected by drugs at the time, and my

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Speaker 4: mom was getting a lot worse with her own mental health.

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Speaker 4: So that was and I decided to take the leap

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Speaker 4: and move out. I managed to find some amazing connections

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Speaker 4: through a couple youth organizations. They were really good and

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Speaker 4: got me into a refuge and that was in Burwood,

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Speaker 4: which was quite nice. So it was a nice little refuge.

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Speaker 4: It wasn't far from where I was used to and

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Speaker 4: I spent maybe six weeks there before getting into some

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Speaker 4: commission housing myself and I moved in with another person

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Speaker 4: at risk at the time, and that was quite good

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Speaker 4: and I kind of fell on my feet a little

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Speaker 4: bit more. And it was kind of around this time

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Speaker 4: that things started to feel a little bit better. But

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Speaker 4: then something quite wasn't right. I started to feel like

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Speaker 4: really negative all the time, My emotions were fluctuating. Things

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Speaker 4: were too overwhelming I was trying to juggle a diploma

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Speaker 4: at the time while also trying to juggle finding accommodation

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Speaker 4: while also juggling the way I was feeling. And I

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Speaker 4: reached out and got some support, which was the best

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Speaker 4: thing I did. I said to my GP, I just

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Speaker 4: don't know what's going on, and I need someone to

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Speaker 4: talk to, and she pointed me into the direction of

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Speaker 4: a psychiatrist who could do a diagnosis. And that was

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Speaker 4: when I saw that psychiatrist and the diagnosis was given

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Speaker 4: to me, which was actually borderline personality disorder. It does

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Speaker 4: get confused with bipolar disorder quite a lot. It is

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Speaker 4: similar in a way, but a little bit different. And

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Speaker 4: I also got diagnosed with CPDSD at the time and

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Speaker 4: I've just been since that diagnosis working through getting different

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Speaker 4: therapies and finding what's worked for me. And unfortunately I

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Speaker 4: did have to leave my diploma and differ from the

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Speaker 4: study at the time, it all got too much, and

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Speaker 4: that's when I was also going through the process of

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Speaker 4: being diagnosed with IBS. The IBS presented as just like

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Speaker 4: vomiting every single day and going to the bathroom too frequently,

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Speaker 4: which made it hard to diagnose because they couldn't really

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Speaker 4: do a test and figure out what it was. It

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Speaker 4: was just going to the hospital every couple weeks and

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Speaker 4: different routine tests, different blood tests, different scans to try

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Speaker 4: and figure out what was happening. I got to a

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Speaker 4: really low weight, thirty nine kilos was the lowest I

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Speaker 4: got to. And then that was when my GP said

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Speaker 4: I had to either stop my studies, pull the plug,

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Speaker 4: and just focus entirely on my recovery or I was

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Speaker 4: going to end up in hospital. And I decided I

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Speaker 4: was going to just stop because I couldn't cope. And then, yeah,

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Speaker 4: that was that, and I got pretty much told I

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Speaker 4: had to leave my studies. And that was when I

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Speaker 4: just decided to fully recover and put all my energy

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Speaker 4: and all my capacity into just focusing on myself. And

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Speaker 4: that's when I reached out for that NBIS funding to

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Speaker 4: help me get some more therapy.

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Speaker 2: Oh, I'm so glad you did that. I'm so glad

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Speaker 2: you did that. I've heard that INDIS funding is really

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Speaker 2: hard to secure. Did you find that a challenging process?

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Speaker 4: Yeah, that took about a year in itself, and that

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Speaker 4: was with support as well. That's with someone helping me

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Speaker 4: the entire process, helping me write reports, helping me, you know,

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Speaker 4: tell my therapists that I already had in place, what

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Speaker 4: reports to write, what language to use because they are

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Speaker 4: very particul and the language they need. And I was

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Speaker 4: still knocked back once because my condition had only been

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Speaker 4: diagnosed at seventeen, so they didn't believe the permanency of it.

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Speaker 4: But we obviously provided more evidence and that was put

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Speaker 4: through when everything was okay. But I am very lucky

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Speaker 4: to be approved because it is really hard and it

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Speaker 4: did take a long time.

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Speaker 2: Yeah, that's crazy. It breaks my heart that it takes

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Speaker 2: so long to get approved. What did you do in

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Speaker 2: that twelve months while you were, you know, struggling to

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Speaker 2: get on support, because being unsupported when you're going through

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Speaker 2: situations where you have BPD and you have PTSD and

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Speaker 2: IBS is debilitating. Like how are you surviving, my friend?

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Speaker 4: Not well? I kind of just like my strong point

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Speaker 4: is resourcefulness. I just tried to utilize everything that I

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Speaker 4: could and I don't have family support, so I just

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Speaker 4: have my little brother, so he has been a big

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Speaker 4: part of my journey and always someone I can rely on.

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Speaker 4: And I relied on my doctor my GP a lot

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Speaker 4: She's absolutely incredible, and I relied quite heavily on my

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Speaker 4: psychologist that I was able to see with the Medicare sessions,

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Speaker 4: so that was still something I could access at the time,

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Speaker 4: which made the absolute word of difference, even if it

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Speaker 4: wasn't for you know, every week. It was only once

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Speaker 4: a month that I could do because of the limit

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Speaker 4: of sessions, but it was still something. And Lifeline was great.

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Speaker 4: All those kind of little services that you can use

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Speaker 4: and utilize, and you definitely shouldn't feel any shame utilizing

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Speaker 4: them because that's what they're there for and they are

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Speaker 4: really great.

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Speaker 2: Yeah, one hundred percent. Oh my gosh. So the next

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Speaker 2: question is what do you do for work and how

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Speaker 2: much money do you earn? We know you have the

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Speaker 2: NDIS supporting you. From my understanding, you've got senseling, but

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Speaker 2: you do a few things on the side as well.

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Speaker 2: What's that.

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Speaker 4: Well, I'm unemployed, but I do volunteer for a shelter,

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Speaker 4: and that shelter I work with the cats, so I

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Speaker 4: have three cats at home myself, and I am a

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Speaker 4: massive animal.

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Speaker 2: Lover and friend.

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Speaker 5: Same.

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Speaker 4: Yes, I've heard much about your babites.

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Speaker 2: It's all I talk about. It is literally all I

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Speaker 2: talk about.

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Speaker 4: It is my first point of conversation. If I meet someone,

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Speaker 4: I'm like, you got pets.

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Speaker 2: I get especially excited when I hear they have cats,

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Speaker 2: because I'm like, oh, we're both cat people. Are nice? Nice,

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Speaker 2: we must be good people.

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Speaker 4: Yes, everyone's pretty solid. Who loves cats? Yeah?

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Speaker 2: Exactly. It frustrates me when they're like, oh, I don't

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Speaker 2: really like cats. I'm like, you've never met a good cat?

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Speaker 4: Then?

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Speaker 2: Full stop, end of story.

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Speaker 4: Yeah, no argument, Like, absolutely not you If you're not

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Speaker 4: a cat person, you haven't had your own cat.

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Speaker 2: Yeah, you just have made a good one. So meet

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Speaker 2: mine and you will love them.

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Speaker 4: I definitely agree. And other than that, I do dog

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Speaker 4: walking sometimes my OT helps set that up, so I'm

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Speaker 4: hoping to continue doing that as I go into my

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Speaker 4: bachelor's degree, which I was just accepted for. Congratulations, that's

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Speaker 4: so exciting. I'm like just over the moon, to say

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Speaker 4: the least. This is what I've been working towards, and

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Speaker 4: my focus is going to be pretty much entirely on

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Speaker 4: that and my supports and hopefully are continuing to grow

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Speaker 4: and see where it takes me.

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Speaker 2: I'm obsessed, what are you going to be?

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Speaker 4: My bachelor of Health Science, So I'm going to be

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Speaker 4: majoring in disability and Inclusion and psychology for Allied Health.

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Speaker 2: Beautiful. You couldn't be a better person to be doing that.

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Speaker 2: That industry absolutely needs you. I'm so excited for you

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Speaker 2: to do that. You mentioned before that you are working

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Speaker 2: through or you were working through your budget with your

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Speaker 2: occupational therapist. What is currently your big money goal? What

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Speaker 2: are you working towards?

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Speaker 4: My big money goal would be to go on a holiday.

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Speaker 4: I have never been on a plane, so that is

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Speaker 4: something that I would like to do, and Bali is

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Speaker 4: my big destination. So I've been working through some small

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Speaker 4: goals with my OT and you're working towards staying from

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Speaker 4: the home for a few days, and I'll eventually build

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Speaker 4: up to being comfortable from being away from my cats

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Speaker 4: for a week while I go away. And working towards

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Speaker 4: that savings goal has been really good. But another one

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Speaker 4: of my big savings goals is just having money for

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Speaker 4: myself and my cats that if anything goes wrong, I

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Speaker 4: can be there and I can provide that. And it's

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Speaker 4: already proved to be beneficial to me. My cat Nala

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Speaker 4: actually needed to have tail partially amputated which was completely

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Speaker 4: out of nowhere, and she was okay, she wasn't in

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Speaker 4: any pain, but they noticed it when she went for

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Speaker 4: her teeth cleaning. I said, there was a little scab

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Speaker 4: on her tail. Do you guys just mind shaving it

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Speaker 4: while she's under having a little look? And then yeah,

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Speaker 4: when they had a look, there was a little bit

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Speaker 4: of bone exposed on the end. Yeah, and she needed

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Speaker 4: that amputated. So that's been amputated. But I didn't have

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Speaker 4: to stress when they called me. I was like, oh

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Speaker 4: my baby. It wasn't all money. Yeah, it was oh

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Speaker 4: my baby. But then I could still cover that there

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Speaker 4: was no question about her treatment.

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Speaker 2: How empowering is that because that is such a stressful thing,

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Speaker 2: Like the VET is so expensive. I remember being in

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Speaker 2: university and I had my cat, Bailey for the first time,

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Speaker 2: and Bailey was already a massive financial undertaking. I think

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Speaker 2: I've spoken about it on the podcast before. I think

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Speaker 2: I had like maybe three hundred dollars in my account

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Speaker 2: or just under and Bailey was a rescue and the

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Speaker 2: rescue cost was two hundred and fifty dollars. And I

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Speaker 2: still did it because I was like, I really need him,

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Speaker 2: I really want you know this support. And I think

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Speaker 2: that one thing people don't understand is that if you

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Speaker 2: have mental health issues, pets are therapy in a way

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Speaker 2: and they can be so powerful. And I just knew

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Speaker 2: that I needed him, so I got him, and knowing

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Speaker 2: that I had vet bills coming up, knowing that I

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Speaker 2: had to pay for these things, and I didn't realize

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Speaker 2: how expensive teeth cleaning for an animal was, Like I

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Speaker 2: just it blew my mind. So it's one of those

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Speaker 2: things that you don't realize but is also for me

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Speaker 2: a mental health cost because I was like, well, I'm

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Speaker 2: not going to not have my cat. He is my

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Speaker 2: saving grace and I'm sure that's absolutely the same thing

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Speaker 2: for you. So to just feel empowered around vet bills

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Speaker 2: as well, it's just it's crazy to think how much

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Speaker 2: they add up and so quickly, and obviously you're not

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Speaker 2: going to look after them. But also the idea that

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Speaker 2: you were able to go, oh, my baby, instead of oh,

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Speaker 2: how am I going to afford this? Is just it

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Speaker 2: makes my heart so happy to know that you're in

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Speaker 2: that position, because regardless of what financial position you're in,

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Speaker 2: knowing you have a bit of a buffer, a bit

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Speaker 2: of an emergency fund to when unexpected things pop up

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Speaker 2: can be absolutely life changing.

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Speaker 4: One hundred percent. And that's what Nala was for me.

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Speaker 4: I got her when I was seventeen, so she was

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Speaker 4: my absolute little angel, my saving grace all throughout everything

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Speaker 4: that happened through Commission Housing, and I couldn't be withouts.

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Speaker 4: So she's definitely worth it.

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Speaker 2: Oh my gosh.

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Speaker 1: All right.

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Speaker 2: Next question I've got is do you invest? If so

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Speaker 2: what in?

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Speaker 4: No? Currently not. Unfortunately, I do have one hundred and

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Speaker 4: forty dollars in a bank account that I've labeled investment funds.

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Speaker 2: Oh exciting. She's got plans, so.

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Speaker 4: I've got plans. I've bought the investing book so I'm

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Speaker 4: going to read it as well, and I've spoken to

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Speaker 4: my support worker who said she's going to help me

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Speaker 4: set up my super and I can make my own

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Speaker 4: contributions to the super myself because there's nothing going in

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Speaker 4: so I want to make my own contribution. Yeah.

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Speaker 2: That's so smart, and it's one of those things that

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Speaker 2: can make you feel even more financially secure. And I

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Speaker 2: think a lot of people who currently aren't employed do

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Speaker 2: forget to care about and obviously, in your circumstance, it

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Speaker 2: might be a while before you fully employed and do

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Speaker 2: earn super so you can put yourself ahead by considering that,

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Speaker 2: and even just small amounts so for a long period

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Speaker 2: of time can really add up but also make you

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Speaker 2: just feel so much more secure, make you feel like

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Speaker 2: you're building towards a secure financial future. And it's just

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Speaker 2: there's something so powerful about that, even if it's just

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Speaker 2: small amounts over that long period of time exactly.

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Speaker 4: And that's what motivated me to look into it was

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Speaker 4: hearing you talk about, like, you know, from small things,

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Speaker 4: big things grow, and I just had a thought, like,

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Speaker 4: you know, why can't I just put you know, twenty

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Speaker 4: dollars a fortnite, fifty dollars a fortnite, just towards that

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Speaker 4: and see it slowly grow and have that to look

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Speaker 4: at as well and know that that's there for me.

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Speaker 4: Even though I haven't been working and contributing, I'm still

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Speaker 4: making my path.

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Speaker 2: Yeah, oh my gosh, you have the best mindset around

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Speaker 2: this ever. I'm obsessed. All right, let's put a break

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Speaker 2: on this for a hot second. We'll head to a

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Speaker 2: break and when we come back, we'll dive right in.

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Speaker 2: All right, money Diarist, We are back, and I can't

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Speaker 2: wait to dive back into this conversation. The next question

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Speaker 2: I want to know is do you currently have any debts,

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Speaker 2: If so, what are they.

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Speaker 4: Yes, I do have my debt from when I did

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Speaker 4: my diploma and didn't complete it. But I did get

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Speaker 4: one credit point for that for my bachelor so it

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Speaker 4: thing so money win. Before it was just a debt,

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Speaker 4: Now it's I actually got a credit point for it.

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Speaker 4: So not a money lost our.

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Speaker 2: Money or not the biggest money lost yet the money

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Speaker 2: loss university can add up. I know that for sure.

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Speaker 2: Like it is crazy.

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Speaker 4: So I think it's about eight grand that's in there.

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Speaker 2: I think, yeah, that's all right, That is okay. That

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Speaker 2: is debt that is contributing towards your super financially secure future,

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Speaker 2: which I'm really excited about. I want to know obviously

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Speaker 2: you're getting good at budgeting, You've started to change your

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Speaker 2: life absolutely. What is your best money habit.

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Speaker 4: I'd have to say it'd be resourcefulness. Growing up, it

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Speaker 4: was very common for my mum to utilize services like

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Speaker 4: Saint Phinni's and Selvo's to help with grocery costs and

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Speaker 4: food bills, so we had food to get on the

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Speaker 4: table and that was something that I did utilize when

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Speaker 4: I was homeless and when I was struggling for money,

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Speaker 4: was utilize those services when I didn't have enough to

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Speaker 4: meet ends meet, and I would try my best just

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Speaker 4: to have enough to cover rent, roof, over my head bills,

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Speaker 4: enough money for my cats, and try and use all

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Speaker 4: the resources that I had available to me and reach

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Speaker 4: out when I needed to. So that would, i'd say,

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Speaker 4: would be my best money habit. And I'd say, now

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Speaker 4: that I'm not having to reach out to those services

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Speaker 4: anymore and I do have that, I would say that

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Speaker 4: my best money habit would probably be it's a bit tough.

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Speaker 4: I'd say, it's still resourcefulness, but it's a little bit different.

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Speaker 4: It's not resourcefulness there I'm seeking other support. It's more

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Speaker 4: that I'm like seeking support from donations or whatever. It's

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Speaker 4: more that I'm seeking support from my OT and how

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Speaker 4: to budget better. I'm seeking support from you guys in

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Speaker 4: regards to like, you know, different tips and tricks. So

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Speaker 4: I like, it's just kind of learning as much as

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Speaker 4: I can to better my situation.

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Speaker 2: Resourcefulness is very, very powerful, and I feel like that's

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Speaker 2: one of the best money habits to have because it

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Speaker 2: doesn't matter what you've got. If you know where to

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Speaker 2: go and how to get it and the services to

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Speaker 2: lean on, you will always be okay. Money diarist, I

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Speaker 2: want to know, on the flip side, what's your worst

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Speaker 2: money habit, though.

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Speaker 4: I'd say it's kind of my guilty pleasure. I love

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Speaker 4: fresh fruit and vegetables and everything fresh and everything good

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Speaker 4: quality produce, so that's something growing up I didn't have.

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Speaker 4: So now when I go to the grocery store, I

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Speaker 4: want the freshest fruit. I don't want frozen veg so

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Speaker 4: I have to try and make sure I'm sticking to

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Speaker 4: my meal plan and sticking to my budget, otherwise I'll

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Speaker 4: end up buying copious amounts of fruit and vegetables and

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Speaker 4: then having too much food waste in the end of it.

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Speaker 4: So that's probably my worst money habit. But I actually

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Speaker 4: found out that coals and wool worse do a director boot,

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Speaker 4: and that's kind of where I end up picking up

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Speaker 4: too much stuff as coals will worse, and then the

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Speaker 4: little treats at the ends of the aisles that kind

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Speaker 4: of bits. So I've done the director boot where they

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Speaker 4: just bring it to my boot and then I do

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Speaker 4: my main shopping at aldi where I don't get that temptation.

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00:18:11,760 --> 00:18:14,040
Speaker 4: Yeah yeah, yeah, and then I'm doing the rest just

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00:18:14,080 --> 00:18:15,920
Speaker 4: direct to my boots, so I'm not even going into

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Speaker 4: the shop. I'm not looking at the treats, so I'm

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Speaker 4: not looking at the things I don't need.

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Speaker 2: See resourcefulness, resourcefulness, She's a smart woman. I love it.

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Speaker 4: So I'm slowly working on this. But yeah, fresh fruit

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00:18:28,560 --> 00:18:30,880
Speaker 4: and vegetables and all those little treats from the grocery

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Speaker 4: store is my little weakness.

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Speaker 2: Oh my gosh. I feel like I can resonate with

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00:18:35,400 --> 00:18:37,920
Speaker 2: that as well, Like there's nothing better than fresh fruit,

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Speaker 2: so I can see exactly where you're coming from.

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Speaker 4: Like a punnet of raspberries.

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Speaker 2: Yeah, when they're not seven dollars, it's summer, so it's okay.

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Speaker 2: But when they're seven dollars upon it like, I can't

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Speaker 2: even justify that. No, absolutely not. I will have frozen

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Speaker 2: berries until they come back in season. Money diarist. You

395
00:18:55,359 --> 00:18:57,600
Speaker 2: were saying before that you grew up in a house

396
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Speaker 2: where your parents were drug users. They said, rated you

397
00:19:01,080 --> 00:19:03,720
Speaker 2: lived with your mom, it was a little bit tumultuous.

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Speaker 2: Your mum relied on support growing up. Am I right

399
00:19:07,240 --> 00:19:09,439
Speaker 2: in assuming that you're one of the first in the

400
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Speaker 2: family to go to university and do a degree.

401
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Speaker 4: Yeah, in my immediate family, so I do believe. Yeah,

402
00:19:14,880 --> 00:19:18,320
Speaker 4: my auntie did a degree, but in my little immediate circle, yeah,

403
00:19:18,359 --> 00:19:19,800
Speaker 4: that I'm the first one to go do it.

404
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Speaker 2: Actually, is that exciting? Because I feel like you're changing

405
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Speaker 2: the narrative of what your future is going to look like.

406
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Speaker 4: Is it is exciting? I am very excited. Yeah, I've

407
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Speaker 4: told my mom and I've told my brother. I'm yet

408
00:19:31,320 --> 00:19:34,199
Speaker 4: to tell anyone else, but I really I know, and

409
00:19:34,280 --> 00:19:36,360
Speaker 4: you know, but I'm just keeping it on the low

410
00:19:36,480 --> 00:19:38,680
Speaker 4: because yeah, I don't know. I'm still a bit shell

411
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Speaker 4: shocked by it, not sure if it's really true.

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Speaker 2: No, you'll absolutely smash it. I'm so excited to see

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Speaker 2: where you go and what you achieve. But the last

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Speaker 2: question I have for you is I want to know

415
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Speaker 2: what your grade would be now that we've gone through

416
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Speaker 2: your money story. And your money story is powerful, so powerful,

417
00:19:54,240 --> 00:19:57,879
Speaker 2: like not only you going through mental health issues IBS

418
00:19:58,119 --> 00:20:01,639
Speaker 2: is so devilitating, grown up in a situation that is

419
00:20:01,680 --> 00:20:04,919
Speaker 2: not exactly conducive to being the most successful person. But

420
00:20:05,000 --> 00:20:07,720
Speaker 2: you are going on to do a degree. You were

421
00:20:07,760 --> 00:20:12,040
Speaker 2: homeless at seventeen. You currently have three cats which are

422
00:20:12,080 --> 00:20:14,600
Speaker 2: all financially dependent on you, and you can look after them.

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Speaker 2: You have an investing account. You haven't started investing yet,

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Speaker 2: but it's called investment account and you've got money in it,

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Speaker 2: which is epic. You are one of the most resourceful

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Speaker 2: people we have met. Do you really think you're only

427
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Speaker 2: a C.

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Speaker 4: I would say I'm more a B because of how

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Speaker 4: resourceful I am, But I just feel like I'm so

430
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Speaker 4: excited to be able to earn my own income and

431
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Speaker 4: to see how I grow once I do, because I

432
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Speaker 4: feel like I'll be able to just set myself up

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Speaker 4: for the future that I never thought I would have.

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Speaker 4: So it's just really hard to be like, you know,

435
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Speaker 4: I have to accept great when I only have so

436
00:20:47,800 --> 00:20:50,000
Speaker 4: much to work with, and I am doing really good

437
00:20:50,080 --> 00:20:53,000
Speaker 4: with what I have, but I'm extremely excited for my future.

438
00:20:53,160 --> 00:20:55,440
Speaker 2: Oh my gosh, No, I'm so proud of you. And

439
00:20:55,640 --> 00:20:57,800
Speaker 2: that's why I ask, because I'm like, you're not a C.

440
00:20:58,080 --> 00:21:00,520
Speaker 2: You are absolutely smashing it out of the park, and

441
00:21:00,560 --> 00:21:02,919
Speaker 2: I feel like maybe a bit of comparison of what

442
00:21:02,960 --> 00:21:05,760
Speaker 2: other people are doing and where their circumstances are as

443
00:21:05,840 --> 00:21:08,159
Speaker 2: leading you to maybe not be as strong in your

444
00:21:08,200 --> 00:21:10,680
Speaker 2: opinion of how well you're doing. And I just want

445
00:21:10,680 --> 00:21:12,760
Speaker 2: to remind you that you are doing so well and

446
00:21:12,800 --> 00:21:14,920
Speaker 2: it makes me so proud to see where you are.

447
00:21:15,440 --> 00:21:17,560
Speaker 2: But last question before we leave, I want to know

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00:21:17,960 --> 00:21:19,679
Speaker 2: if there are people listening to this that are in

449
00:21:19,720 --> 00:21:23,280
Speaker 2: similar situations to the situation you found yourself in at seventeen,

450
00:21:23,440 --> 00:21:25,400
Speaker 2: what advice would you have for them.

451
00:21:25,480 --> 00:21:27,960
Speaker 4: The biggest thing is just to reach out. It is

452
00:21:28,080 --> 00:21:31,480
Speaker 4: to understand that you're not alone and that there are

453
00:21:31,560 --> 00:21:34,280
Speaker 4: services out there that can help you. And even if

454
00:21:34,320 --> 00:21:37,080
Speaker 4: you just google what to do when homeless, because that's

455
00:21:37,080 --> 00:21:40,439
Speaker 4: exactly what I did, and there will be resources that

456
00:21:40,520 --> 00:21:43,400
Speaker 4: come up. There's this thing called ask Izzy as well,

457
00:21:43,440 --> 00:21:45,960
Speaker 4: which is a government resource that you can just type

458
00:21:45,960 --> 00:21:48,840
Speaker 4: in your situation if you need food, if you need shelter,

459
00:21:49,040 --> 00:21:51,119
Speaker 4: if you need assistance, and it will direct you to

460
00:21:51,160 --> 00:21:54,679
Speaker 4: your nearest point of access, and just don't stop and

461
00:21:54,760 --> 00:21:56,920
Speaker 4: don't give up, because you are worth it and it

462
00:21:56,960 --> 00:22:00,639
Speaker 4: will get better. It just takes a long time, unfortunately,

463
00:22:00,760 --> 00:22:03,040
Speaker 4: a lot of waiting and a lot of pushing, but

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00:22:03,200 --> 00:22:05,800
Speaker 4: you've just got to advocate for yourself. Oh I love that.

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00:22:06,119 --> 00:22:08,520
Speaker 2: LL make sure that the resource ask Eazy is in

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00:22:08,560 --> 00:22:11,399
Speaker 2: our show notes because that's something we haven't spoken about

467
00:22:11,400 --> 00:22:15,080
Speaker 2: on the podcast before. So what a good contribution. Again.

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00:22:15,160 --> 00:22:18,080
Speaker 2: I'm insanely proud of you. Thank you so much for

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00:22:18,200 --> 00:22:20,960
Speaker 2: joining us on Money Diaries and sharing your story with us.

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00:22:21,080 --> 00:22:22,840
Speaker 2: It has been an absolute pleasure.

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00:22:22,960 --> 00:22:24,199
Speaker 4: Thank you so much for having me.

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00:22:31,400 --> 00:22:33,960
Speaker 2: The advice shared on She's on the Money is general

473
00:22:34,000 --> 00:22:37,879
Speaker 2: in nature and does not consider your individual circumstances. She's

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00:22:37,920 --> 00:22:41,359
Speaker 2: on the Money exists purely for educational purposes and should

475
00:22:41,400 --> 00:22:44,560
Speaker 2: not be relied upon to make an investment or financial decision.

476
00:22:44,960 --> 00:22:47,560
Speaker 2: If you do choose to buy a financial product, read.

477
00:22:47,440 --> 00:22:51,080
Speaker 5: The PDS TMD and obtain appropriate financial advice.

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00:22:50,800 --> 00:22:52,159
Speaker 2: Tailored towards your needs.

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00:22:52,480 --> 00:22:56,440
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