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

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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 through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: 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.

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Speaker 2: She's on the Money. Hello, and welcome to she Is

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Speaker 2: on the Money, the podcast for millennials who want financial freedom.

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Speaker 2: My loves It is Friday, which, as we all know,

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Speaker 2: it's time to sit back with a bev in hand,

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Speaker 2: to chat about the week that was, and of course

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Speaker 2: to celebrate our incredible She's on the Money community and

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Speaker 2: mainly all of the people that have come to see

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Speaker 2: usk in the audience.

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Speaker 4: Jess, so many people.

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Speaker 2: It is wild. The audio quality, I don't know if

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Speaker 2: it's good, it'll make it to the podcast. Regardless of

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Speaker 2: whether it's good. Or not, but I am so thrilled.

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Speaker 2: This is one of our very first book, or it

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Speaker 2: is our first book to a live recordings. As we know,

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Speaker 2: we're going to talk about the highs, we're going to

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Speaker 2: talk about the lows. We're going to go through everything

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Speaker 2: that we usually do on a Friday drinks just to

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Speaker 2: give you guys a little bit of background. We're going

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Speaker 2: to do our money wins and confessions. I've picked some

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Speaker 2: this week too because I wanted to be included. And

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Speaker 2: then we actually are going to talk a bit about

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Speaker 2: the book because obviously, then we're going to go to

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Speaker 2: a twenty minute break so you guys can grab a

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Speaker 2: drink and regroup yourselves. I'm going to get in trouble

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Speaker 2: at the back for going vogue, and then we're going

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Speaker 2: to come back with do you guys know Bodzilla? Oh

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Speaker 2: my gosh, she's epic. We're going to talk to her,

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Speaker 2: she promises. I was out the back. She's like, I'm

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Speaker 2: really funny. So it's all right. So that's going to

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Speaker 2: be really good. But Jess, do you want to just

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Speaker 2: get into it? What do you want to do first?

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Speaker 4: I think so I feel like we normally start with

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Speaker 4: a little catch up with the goal?

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Speaker 2: Should we talk? I told them all about how I

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Speaker 2: wrote a book.

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Speaker 4: I mean, have you been doing anything else? Okay, so

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Speaker 4: what have we been doing? Wedding planning?

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Speaker 1: Oh?

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Speaker 2: I don't really want to talk about that because I

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Speaker 2: blew out my budgets.

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Speaker 4: We yeah, we're getting a lot of requests from people saying, oh,

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Speaker 4: we'd really like some wedding content about how to stay

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Speaker 4: on track with your budget. And I'm like, you are

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Speaker 4: talking to the wrong lady.

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Speaker 2: Do you guys know why it hasn't come out yet?

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Speaker 2: Read between the lines? Mm hm, So I guess we

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Speaker 2: can talk about wedding planning. Yeah. It's really hard and

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Speaker 2: it's also really expensive. So I thought I was a

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Speaker 2: genius Jess. As you know, I've got a few tickets

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Speaker 2: on myself when it comes to budget and cash flow.

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Speaker 2: And as a financial advisor who had advised a lot

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Speaker 2: of clients during the process of creating wedding budgets and

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Speaker 2: watched them go over and go gone, Who's come on?

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Speaker 2: We talked about this now, I'm like, oh, I can

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Speaker 2: see how it feels like I get it. It just

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Speaker 2: it sucks. But it's genuinely so much more expensive than

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Speaker 2: I had anticipated. I mean, doesn't make it better if

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Speaker 2: I tell you to lines to my values? Is that better?

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Speaker 4: I feel like that's your get out of jail free cards.

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Speaker 4: It's everyone's to get out of jail free card.

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Speaker 2: But look, it's been really fun and we are actually

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Speaker 2: five and a half weeks away from my wedding, which

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Speaker 2: is very exciting.

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Speaker 4: I run a clause I didn't do it, yet you

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Speaker 4: also didn't do anything he proposed to you, and you're

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Speaker 4: getting around of applause.

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Speaker 2: Thank you, thank you. I am that good. But no,

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Speaker 2: it's been really fun. It's been pretty hectic the planning

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Speaker 2: side of things. I obviously have a gorgeous team who

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Speaker 2: has been helping pick things and organize things that remind

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Speaker 2: me that you need things like matching pajamas. Not need,

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Speaker 2: but like Jess is like, you're going to be upset

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Speaker 2: if you were in that T shirt that you wore yesterday.

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Speaker 2: But we've been pretty busy, Jesse. We just got back

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Speaker 2: from America.

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Speaker 4: Oh my gosh. Yes, we went to finn Con, which

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Speaker 4: is finance Con. Sounds so boring, as someone who did

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Speaker 4: not study finance was not super thrilled to hear we

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Speaker 4: would be attending it.

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Speaker 2: First, I did lure in though. I was like, all right,

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Speaker 2: we're going to go to fin Con. She's like, oh,

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Speaker 2: maybe maybe just to save budget, like you just go

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Speaker 2: and I was like, I'll dig you to disney World.

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Speaker 3: Sold.

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Speaker 2: So we took just to Disney World before we did

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Speaker 2: fin Con. But did you enjoy it?

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Speaker 4: It was actually very fun. I think I forget because

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Speaker 4: we spend so much time in this community and we

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Speaker 4: talk like I talk about money every day, which is

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Speaker 4: someone who, like I said, I don't have a financy background.

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Speaker 4: I'm just a normal gal. That at first was very

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Speaker 4: strange for me, and it became very normal, and I

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Speaker 4: didn't realize how much that adds to my life. Like

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Speaker 4: in the community every day in the Facebook group or

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Speaker 4: on Instagram or wherever we're kind of hanging out with

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Speaker 4: you guys, we're having these conversations about our journeys, about

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Speaker 4: my house, about your wedding, about your journeys, about paying

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Speaker 4: off your debt or your buying our pay later, or

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Speaker 4: reaching a goal, getting a raise. And I didn't realize,

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Speaker 4: I think, because I took it a little bit for granted,

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Speaker 4: how much I enjoy that. And so we spent some

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Speaker 4: time with some other podcasters, the Mindlinnial Money team and

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Speaker 4: the Girls That Invest team who we adore, as well

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Speaker 4: as a whole heap of other people from the US

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Speaker 4: and from all over the world who work kind of

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Speaker 4: in the same space as us, and I was just

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Speaker 4: I left with a very full cup because it was

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Speaker 4: really nice to be around people who care about what

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Speaker 4: we care about.

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Speaker 2: I actually felt like it was one of those things

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Speaker 2: where I was really hyping this up. Guys. I was like, oh,

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Speaker 2: shin con this is sick. I've never been because I've

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Speaker 2: never been able to afford it. It's a content creator's hut, right,

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Speaker 2: and we create finance content and as you go, I

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Speaker 2: probably already know there's not that many people in Australia

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Speaker 2: who do that. In fact, when I started it, it

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Speaker 2: was like not cool. It was so not cool that

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Speaker 2: I created a fake Facebook to comment on the Facebook

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Speaker 2: group posts so that I didn't look like nobody was

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Speaker 2: commenting on my Facebook group posts. I'd be like, hey, guys,

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Speaker 2: hot tip about superannuation and then some girl called.

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Speaker 3: Ella would be like, wow, I love.

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Speaker 2: Thanks, Ella. So when I started it really wasn't a thing,

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Speaker 2: and like I genuinely felt like people needed that information,

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Speaker 2: but I was also like, I don't know how to

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Speaker 2: make this approachable, and like, let's be honest, we see

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Speaker 2: safety in numbers, Like you see that she's on the

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Speaker 2: money community now and you're like, okay, cool, Like it

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Speaker 2: must be okay, Like there are so many people following it,

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Speaker 2: so she must know something about something. But when there

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Speaker 2: were seventeen people in my group and I'm trying to

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Speaker 2: convince them to publicly comment on a post about super Like,

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Speaker 2: it wasn't gonna happen. Ella needed to pull some things in.

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Speaker 3: So it's an.

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Speaker 2: Interesting, I guess journey, especially because looking at America, everything's

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Speaker 2: bigger there, right Like you expect you're going to go

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Speaker 2: and you're going to see bigger, better communities. You're going

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Speaker 2: to see content that is absolutely mind blowing and ideas

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Speaker 2: that I'm going to come home with and be able

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Speaker 2: to nourish our community with. And we definitely have come

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Speaker 2: back with that. But I think the thing that I

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Speaker 2: didn't realize. I knew all along that our community was

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Speaker 2: incredibly special. As I said before, we're basically best friends.

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Speaker 2: But what I didn't find at fin Coom was anything

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Speaker 2: like that. And I was like, what, like oh, so

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Speaker 2: you've got followers on TikTok. They're like yeah, And I'm like, like,

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Speaker 2: how often do you talk to them? They're like, oh no,

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Speaker 2: they don't DM me, Like, oh, my best friends dam

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Speaker 2: me all the time. Like they DM me when there

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Speaker 2: is cheap oat milk, they DM me when they see

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Speaker 2: coffee shop drama on the internet. They d me literally

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Speaker 2: all the time. Like you guys interact with me in

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Speaker 2: the best way. And if you've ever messaged me before,

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Speaker 2: this is going to be so lame. But if you've

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Speaker 2: ever messaged me before, you know, like if you genuinely

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Speaker 2: sent a message, not just like a love of her

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Speaker 2: eyes reply to a story like let's just get that straight.

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Speaker 2: I reply, and I'm like, yeah, sick, like let's do this.

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Speaker 2: And I think that takes people off guard because I'm

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Speaker 2: in your community. I am you, because I'm here literally

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Speaker 2: beside you, And I think that I came home with

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Speaker 2: a new found not understanding, but really deep appreciation because

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Speaker 2: I don't think I realized what we've created. And when

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Speaker 2: I came home, I was like, yes, this is pretty

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Speaker 2: flip and special. I don't actually want it to grow anymore, Like, oh,

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Speaker 2: you guys just stay like, let's not tell anybody else

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Speaker 2: because I'm genuinely scared that we'd lose that. And you know,

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Speaker 2: the bigger we grow, the more worried I get that

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Speaker 2: we're going to lose that specialness or lose that ability

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Speaker 2: to be best friends. But we haven't lost it yet,

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Speaker 2: so keep an eye out on that. It's coming.

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Speaker 4: It's because everyone's I think each other as best friends.

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Speaker 4: A post goes up sometimes and I see it and

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Speaker 4: I'm like, someone will ask a question. I say, oh,

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Speaker 4: I have a good answer to that, and I go

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Speaker 4: to the comments and there's ten comments from people who

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Speaker 4: have beat me to it because they know exactly what

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Speaker 4: to say or they know exactly the right thing. And

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Speaker 4: I think, yeah, I would like to believe that no

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Speaker 4: matter how many people join us or how many new

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Speaker 4: friends we make, it's always going to feel a little

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Speaker 4: bit special. And I really love that.

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Speaker 2: I think it's my favorite thing literally in the entire world.

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Speaker 2: Let's stop doing this though. We went to talk about

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Speaker 2: the book, so let's do money wins and confessions from

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Speaker 2: our community. I think it's time to get into that. Guys.

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Speaker 2: This is sponsored, so it is time for our budget

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Speaker 2: direct money wins and Confessions. Jessic Ricci, what have you

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Speaker 2: got for us?

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Speaker 4: I'm really pumped up. My first win is from Erin,

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Speaker 4: who said I asked my eight year old daughter to

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Speaker 4: help her brother clean his mass, and I said I

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Speaker 4: would give her one dollar cheap labor because he should

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Speaker 4: be doing it by himself. She said to me, Mum,

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Speaker 4: just put it in my bank account so I can

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Speaker 4: save it. Finally a win for teaching her how to save.

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Speaker 4: I thought that was really cute. I think that's really sweet.

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Speaker 4: But I have one for Country Road so ten ping here.

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Speaker 2: So this one is from a girl called Jessica, A

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Speaker 2: great name, great probably stumming, honestly, She says, money win.

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Speaker 2: I found a brand new Country Road jumper with the

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Speaker 2: tag still on for five dollars at the Salevos. The

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Speaker 2: tag on it said one hundred and twenty bucks.

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Speaker 4: That is a money win five dollars, five bucks. I

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Speaker 4: love an op shop still a.

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Speaker 2: Note like she couldn't buy a coffee at my local

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Speaker 2: coffee shop with her.

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Speaker 4: Oh please don't start, we're going to get in trouble.

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Speaker 4: We are going to get in trouble. My next money win,

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Speaker 4: Lauren says, money win one thousand six hundred and seventy

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Speaker 4: five dollars in my pocket thanks to a weekend of

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Speaker 4: Facebook marketplace selling. And I'm just astounded that she had

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Speaker 4: sixteen hundred dollars worth of stuff in her house that

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Speaker 4: she wasn't using. And I also probably also have sixteen

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Speaker 4: hundred dollars worth of stuff that I'm not using that

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Speaker 4: I should list.

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Speaker 2: Did you know that it was like researched by gum Tree,

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Speaker 2: not sponsored?

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Speaker 3: Just good.

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Speaker 2: I feel like I have to disclaim with that because

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Speaker 2: so many people message me like is this a sponsored post?

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Speaker 2: I'm like no, I'm so transparent. I'm proud when I

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Speaker 2: get sponsors. I'm gonna tell you, like I will literally

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Speaker 2: be like sponsored, look at this, someone paid for this.

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Speaker 2: But gum Tree they said that everybody, like most Australians

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Speaker 2: have five grand worth of stuff lying around their house

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Speaker 2: that you could sell and.

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Speaker 4: You just don't do it because you're lazy. Well I

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Speaker 4: don't do it. I shouldn't, so I'm really lazy. You

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Speaker 4: guys aren't lazy. I'm lazy and I should sell it

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Speaker 4: because I'm poor.

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Speaker 2: You've done that before, though, like you've gone on a

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Speaker 2: rampage of selling things to make your goals.

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Speaker 4: My partner came home once and I had sold our

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Speaker 4: dining chairs and he went to sit down for dinner

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Speaker 4: and he was like, wait where the chairs go. It

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Speaker 4: was like, oh, a lady picked them up about forty

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Speaker 4: minutes ago. And he said to me, so, where are

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Speaker 4: we having dinner? And I said, well, you can sit

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Speaker 4: at your computer in your desk chair, and I'll sit

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Speaker 4: on the floor next to you. But I made a

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Speaker 4: lot of money, so.

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Speaker 2: I'm not even going to question that. I'm going to

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Speaker 2: tell you my next money in.

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Speaker 4: I'm going to do it.

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Speaker 2: It is a money whin. It comes from Stephanie and

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Speaker 2: she says I bought some liberal period underwear using the

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Speaker 2: discount code mentioned on the podcast a few weeks ago.

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Speaker 2: And my local government authority also offers up to a

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Speaker 2: fifty dollars rebate for reusable sanitary products. I really like

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Speaker 2: double money win, saving the environment and my pocket.

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Speaker 4: At exactly the same time when I read that, when

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Speaker 4: I read the script, approximately two minutes before I got

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Speaker 4: on this stage, you literally made this. You cut and

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Speaker 4: paste yours in, I cut and paste mine in. I

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Speaker 4: kept putting mine above yours. Yeah, it's sad for me,

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Speaker 4: but that's okay. When I read that, I was like,

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Speaker 4: I should check my local government and see if they

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Speaker 4: do rebates for that kind of stuff. I didn't even

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Speaker 4: know that was a thing. Do you think that's common?

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Speaker 2: Not that we're working right now, I mean we technically are.

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Speaker 2: But if you could just put on your two list

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Speaker 2: to do that and then share it on stories, so

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Speaker 2: I'd be great.

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Speaker 3: All right.

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Speaker 4: Let me tell you my next money win that didn't

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Speaker 4: get shoved to the bottom of the pilot comes from Jen,

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Speaker 4: and Jen said, money win. My housemate bought Victoria's new book,

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Speaker 4: but she gave it to me because I read Quicker

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Speaker 4: and she put it in quotation marks, so I don't

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Speaker 4: think she actually does read Quicker. But that's a definite

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Speaker 4: win for you, Jen, because you can share it between

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Speaker 4: the two of you.

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Speaker 2: Oh my gosh. All right. Next money win from me

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Speaker 2: is from Amy, She says, money win. I never have these,

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Speaker 2: This is the best. I'm a bit of a crazy

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Speaker 2: dog mum, same girlfriend, same always trying to show people

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Speaker 2: photos of my dog that no one ever wants to see.

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Speaker 2: People do you want a friend? Same people do want

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Speaker 2: to see that. So I entered a photo of one

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Speaker 2: of my dogs into an agricultural hemmed calendar competition and

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Speaker 2: in one first place. He will now be the cover

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Speaker 2: photo for a twenty twenty three calendar and she won

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Speaker 2: five hundred bucks. Needless to say, her entire family and

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Speaker 2: getting that calendar for Christmas?

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Speaker 5: How good is that?

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Speaker 4: I just really like when they say the cover photo,

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Speaker 4: the first thing that comes to my head is like

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Speaker 4: the centerfold, which is not what you'd think about when

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Speaker 4: you think about a dog, obviously, And I just I'm like,

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Speaker 4: do you think it's prestigious? Not in that you guys,

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Speaker 4: get your mind out of the gutter, Like I meant

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Speaker 4: you know how it's prestigious to be the center fold?

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Speaker 4: Do you think it's like think it was? Yeah, well

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Speaker 4: maybe not anymore. But if you're the dog on the cover, like,

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Speaker 4: do you have bragging rights with the other dog?

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Speaker 2: Lucy would want to be the dog on the cover.

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Speaker 4: Of course, she takes after her mother.

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Speaker 2: I'm not gonna yeah. Yeah, we both really like attention.

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Speaker 2: You know what I think of when we think of calendars. Firemen. Yeah,

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Speaker 2: like you're thinking Playboy. I'm like the fireman calendar, the

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Speaker 2: local charity calendar.

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Speaker 4: They always get me at like they'll stand in my

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Speaker 4: local shopping center in the middle bit and they always

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Speaker 4: do the thing where they're shirtless with just like the

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Speaker 4: genus the little suspended with their yellow pants or whatever,

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Speaker 4: and they always go but ma'am, it's for charity, and

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Speaker 4: I go, well, I suppose you're right, and I get

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Speaker 4: they get me every time. And it's about that time

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Speaker 4: of year and I actively avoid my localol shopping center

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Speaker 4: because I can't say no, that's.

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Speaker 2: Unrelatable, the fine And I've literally never walked through a

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Speaker 2: shopping center and center topless fireman, where is that?

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Speaker 4: Come to the West side asking.

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Speaker 2: For a friend? Yeah? All right? Well, moving on from dogs,

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Speaker 2: firemen and money wins about Facebook, It has as always

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Speaker 2: been a great celebrating some of your budget Direct money

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Speaker 2: wins of the week, Budget Direct winner of can Stars

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Speaker 2: Insurer of the Year Award twenty twenty two, Budget Direct

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Speaker 2: Insurance Solved. Is it bad that I know that like

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Speaker 2: this now?

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Speaker 4: I don't think so. I think that you're just committed.

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Speaker 2: I can't remember my number, but can remember the Budget

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Speaker 2: Direct dad.

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Speaker 4: She's a hard worker. It should we move along from

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Speaker 4: the ad though, and talk a little bit more about

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Speaker 4: your favorite thing in the entire world apart from me,

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00:16:03,200 --> 00:16:05,800
Speaker 4: apart from Lucy, I was literally just a hard to say,

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Speaker 4: apart wedding content and Pinterest sports also no, oh, investing.

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Speaker 2: Oh that is actually my favorite thing, the thing that

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Speaker 2: you wrote an entire book about. Yeah, I was bullied

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Speaker 2: into it by you guys. Cheers. No, Genuinely, I'm really

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Speaker 2: excited about this because I feel like, one, it wasn't

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Speaker 2: hard to sell, like, hey, guys, you literally asked for this.

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Speaker 2: Take it. But also I'm just I feel like it's

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Speaker 2: so special that we have literally, I mean, there are

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Speaker 2: a few men and there are a few people in

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Speaker 2: this room that you know, might go, why am I here?

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Speaker 2: My partner dragged me along.

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Speaker 4: I can fear a couple in the front row looking

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Speaker 4: not silly, I'm looking at you.

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Speaker 2: Yeah, we'll see you.

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Speaker 3: Yeah.

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Speaker 2: But I also had a few dms from people that

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Speaker 2: are like, ha bringing my partner or ha ha ha.

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Speaker 2: So as a president, I bought tickets for my friend

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Speaker 2: Loki because she needed to come and she won't listen

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Speaker 2: to the podcast. Who was that?

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Speaker 3: No it you?

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Speaker 2: Okay? So talking about the book though, I just feel

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Speaker 2: like it's really powerful to have a literal room of

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Speaker 2: people who not only want to learn about investing, but

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Speaker 2: are probably discovering it for one of the first times

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Speaker 2: in a way that you don't feel turned off. You

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Speaker 2: feel like, oh, this maybe is for me, This maybe

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Speaker 2: is my space, This maybe is the thing that is

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Speaker 2: going to help me create the financial stability and freedom

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Speaker 2: that I deserve and you all deserve it. And it's

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Speaker 2: kind of like this gift that I haven't been able

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Speaker 2: to get into your hands prior to now. It is

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00:17:38,040 --> 00:17:42,159
Speaker 2: really hard absorbing audio content and remembering it and writing

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Speaker 2: it down. There is a marketing term, not that it's

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Speaker 2: related to my book, but you need to be exposed

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Speaker 2: to marketing advertising a minimum of seven times before you

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Speaker 2: actually buy that product. And if you look at that

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Speaker 2: in the same way that you would look at investing content,

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Speaker 2: that means I have to tell you the same thing

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00:18:00,600 --> 00:18:04,199
Speaker 2: seven different times before you genuinely understand that concept. And

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00:18:04,240 --> 00:18:07,000
Speaker 2: it's not because you're silly, it's not because you don't

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00:18:07,080 --> 00:18:10,280
Speaker 2: get it. It's just because that's how human brains work.

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Speaker 2: We are really linear. We are actually fight or flight creatures.

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Speaker 2: And if you absorb some information that your brain's like,

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Speaker 2: that's not important. I'm just going to chuck it out

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Speaker 2: for now, why would you keep it because it hasn't

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Speaker 2: been made a priority. So this exposure of seven times

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00:18:26,520 --> 00:18:30,119
Speaker 2: really makes sense. But it's hard in an audio context

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Speaker 2: to give that to you. And I genuinely feel like

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00:18:32,400 --> 00:18:34,280
Speaker 2: it's a gift to be like here it is like

390
00:18:34,480 --> 00:18:36,280
Speaker 2: you can see it, you can touch it, you can

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00:18:36,560 --> 00:18:38,800
Speaker 2: you know, put the book on your bedside table because

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Speaker 2: we made it super aesthetic so you look really nice.

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Speaker 2: Thanks Eizy for making me choose that cover. But it's

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Speaker 2: one of those things that I just feel so grateful

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Speaker 2: to be able to give that to you, because it

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Speaker 2: puts you in a position of power. It puts you

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Speaker 2: in a position where you are able to be the

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Speaker 2: narrator of your life instead of somebody else telling you

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Speaker 2: how it's going to fold, instead of somebody else telling you, no,

400
00:19:02,760 --> 00:19:05,040
Speaker 2: that's not really for you, or no, like you need

401
00:19:05,080 --> 00:19:07,600
Speaker 2: to buy property for it to be important, or you

402
00:19:07,680 --> 00:19:09,359
Speaker 2: need to do this or that or the other. Like

403
00:19:09,400 --> 00:19:13,119
Speaker 2: I genuinely feel like a book like this takes it

404
00:19:13,119 --> 00:19:15,840
Speaker 2: to the next level. Someone asked me, maybe I'm answering

405
00:19:15,880 --> 00:19:16,960
Speaker 2: the questions that you've.

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Speaker 4: Got take it ahead of yourself.

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00:19:18,240 --> 00:19:20,679
Speaker 2: Sorry, But someone asked me like, oh, do I have

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00:19:20,720 --> 00:19:22,520
Speaker 2: to read the first book and then the second book?

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00:19:22,560 --> 00:19:25,920
Speaker 2: And no, you don't. I've written it in a way

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00:19:25,920 --> 00:19:28,840
Speaker 2: where you can read one in isolation. But I genuinely

411
00:19:28,880 --> 00:19:31,800
Speaker 2: believe that the Pink Book, the first book, is like

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00:19:31,880 --> 00:19:34,800
Speaker 2: that foundation. It's the budget, it's the cash flow, it's

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Speaker 2: understanding the concepts, it's master that, and you'll want the

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Speaker 2: next book and you'll want to take it to the

415
00:19:41,000 --> 00:19:45,280
Speaker 2: next level, and you'll feel genuinely like you can take

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Speaker 2: control of your life and you can take control of

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Speaker 2: your investing journey. And I think my favorite thing about

418
00:19:50,359 --> 00:19:52,800
Speaker 2: it is you could have no money and you're just

419
00:19:52,840 --> 00:19:55,320
Speaker 2: excited about the concept and you're not ready to invest

420
00:19:55,440 --> 00:19:58,720
Speaker 2: and read it and hopefully absorb some content that really

421
00:19:58,720 --> 00:20:02,000
Speaker 2: helps you. Or you could have a million dollar inheritance

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00:20:02,040 --> 00:20:04,880
Speaker 2: that you need to invest, and both ends of those

423
00:20:04,920 --> 00:20:09,080
Speaker 2: spectrum are met. So for me, I love it. I'm

424
00:20:09,119 --> 00:20:11,280
Speaker 2: really proud of it, and I'm really excited that I

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Speaker 2: get to like give it to you.

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Speaker 4: It's really special. I think the big thing for me is,

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00:20:17,359 --> 00:20:19,560
Speaker 4: you know, if I think back five years ago, if

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00:20:19,600 --> 00:20:22,040
Speaker 4: I had said to myself, you're going to be really

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00:20:22,080 --> 00:20:24,840
Speaker 4: excited about this finance book. I would have been like,

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Speaker 4: who are you? And can you leave me alone? Because

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00:20:28,760 --> 00:20:31,080
Speaker 4: there's just no way that's not who I am. And

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00:20:31,160 --> 00:20:34,440
Speaker 4: it's really cool for people like me and for all

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00:20:34,480 --> 00:20:37,280
Speaker 4: of the people in this room who have so much

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00:20:37,280 --> 00:20:40,800
Speaker 4: of their lives ahead of them. Learning these things and

435
00:20:40,840 --> 00:20:43,879
Speaker 4: consuming this knowledge has the power to put you in

436
00:20:43,920 --> 00:20:46,960
Speaker 4: a position where when you're older and you want to

437
00:20:47,000 --> 00:20:50,399
Speaker 4: retire and maybe that's earlier than the normal retirement age

438
00:20:50,440 --> 00:20:51,840
Speaker 4: of what is it sixty three or is it gone

439
00:20:51,880 --> 00:20:52,600
Speaker 4: up to sixty five?

440
00:20:52,880 --> 00:20:53,520
Speaker 3: Sixty five?

441
00:20:53,760 --> 00:20:54,240
Speaker 2: Sixty five?

442
00:20:54,280 --> 00:20:56,520
Speaker 4: Wow, that's so far away, but like maybe if it's

443
00:20:56,640 --> 00:20:57,440
Speaker 4: you know, Sue.

444
00:20:57,359 --> 00:20:59,480
Speaker 2: Right, tell everybody how young you are, go up.

445
00:20:59,560 --> 00:21:02,239
Speaker 4: But you know, when you get to that point, you

446
00:21:02,440 --> 00:21:05,919
Speaker 4: have the opportunity to live life the way that you

447
00:21:06,040 --> 00:21:08,520
Speaker 4: want it. And you know that's I think the thing

448
00:21:08,560 --> 00:21:11,880
Speaker 4: that this community is all about is about saying you

449
00:21:12,320 --> 00:21:15,160
Speaker 4: have the power, and you deserve to have the knowledge,

450
00:21:15,160 --> 00:21:18,280
Speaker 4: and you deserve to have the choice to live your

451
00:21:18,359 --> 00:21:20,800
Speaker 4: dream life and you know, not to be real like

452
00:21:21,080 --> 00:21:23,840
Speaker 4: girl boss, yeah make money because that's the way that

453
00:21:23,880 --> 00:21:27,760
Speaker 4: sounds like now going but we're canceling that term, but

454
00:21:27,800 --> 00:21:30,280
Speaker 4: that do you know what I mean? The thing to

455
00:21:30,359 --> 00:21:34,760
Speaker 4: get you there is education, and for so long, so

456
00:21:34,960 --> 00:21:37,400
Speaker 4: many of us have been kept out of that conversation,

457
00:21:37,720 --> 00:21:41,359
Speaker 4: either because we didn't have easy access to it or

458
00:21:41,480 --> 00:21:44,840
Speaker 4: because you know, it wasn't something that we were interested in,

459
00:21:44,880 --> 00:21:46,960
Speaker 4: like me, and we kind of kept ourselves out of it.

460
00:21:47,080 --> 00:21:49,040
Speaker 4: And you know, I think you can look back in

461
00:21:49,119 --> 00:21:50,679
Speaker 4: Hindsights twenty twenty and I look back and I go,

462
00:21:50,800 --> 00:21:53,399
Speaker 4: I wish I'd started sooner. But to see so many

463
00:21:53,400 --> 00:21:57,320
Speaker 4: people in the community learning and sharing and teaching and

464
00:21:57,400 --> 00:21:59,359
Speaker 4: doing all of those things a go, there's going to

465
00:21:59,480 --> 00:22:02,320
Speaker 4: be some or rich people in you know, twenty to

466
00:22:02,359 --> 00:22:03,040
Speaker 4: thirty years that.

467
00:22:03,160 --> 00:22:05,480
Speaker 2: They wanted to be because of me. And then they

468
00:22:05,520 --> 00:22:09,760
Speaker 2: can pay for my own lattes. Those seven dollars, oh lattes,

469
00:22:09,800 --> 00:22:12,960
Speaker 2: they'll get you. I think it comes from two places, though,

470
00:22:13,040 --> 00:22:16,679
Speaker 2: right like it comes from one. Investing in twenty twenty

471
00:22:16,680 --> 00:22:19,920
Speaker 2: two has never been more accessible like these days. There

472
00:22:19,960 --> 00:22:23,080
Speaker 2: are apps for everything. There are apps to remind you

473
00:22:23,119 --> 00:22:25,239
Speaker 2: when to brush your teeth, and there are apps that

474
00:22:25,400 --> 00:22:27,600
Speaker 2: let you invest for as little as one cent. Right

475
00:22:28,040 --> 00:22:32,800
Speaker 2: there has never been that ability to access investing before.

476
00:22:33,040 --> 00:22:36,160
Speaker 2: So I think we're in a really special position where

477
00:22:36,160 --> 00:22:39,000
Speaker 2: we can you know, take charge of that. We no

478
00:22:39,080 --> 00:22:42,479
Speaker 2: longer have these minimum investment requirements. Like I remember when

479
00:22:42,520 --> 00:22:46,560
Speaker 2: I started in financial advice, there were so many managed

480
00:22:46,560 --> 00:22:50,400
Speaker 2: funds and ETFs or exchange traded funds that had entry

481
00:22:50,440 --> 00:22:53,960
Speaker 2: points of twenty thousand dollars. And at that point in time,

482
00:22:54,040 --> 00:22:58,040
Speaker 2: I was writing advice for clients literally that I couldn't afford,

483
00:22:58,280 --> 00:23:00,200
Speaker 2: Like I couldn't sit down and be like, oh, like,

484
00:23:00,280 --> 00:23:03,360
Speaker 2: I really love this, you know, this particular fund which

485
00:23:03,400 --> 00:23:04,920
Speaker 2: I'm not allowed to mention right now because I might

486
00:23:04,960 --> 00:23:07,480
Speaker 2: lose my license. I recommend it. It's great. I love

487
00:23:07,520 --> 00:23:09,439
Speaker 2: it for you. I wish I could invest in it,

488
00:23:09,480 --> 00:23:13,640
Speaker 2: but I don't have enough money, Like isn't that gross? Like, hey,

489
00:23:13,720 --> 00:23:15,520
Speaker 2: this is reserved for you because you're kind of rich,

490
00:23:15,560 --> 00:23:17,840
Speaker 2: but I'm not. So I'll write the advice and put

491
00:23:17,880 --> 00:23:20,000
Speaker 2: you in the best position. It's the one I wish

492
00:23:20,040 --> 00:23:22,840
Speaker 2: I was in, though, Like that's gross. So it's never

493
00:23:22,880 --> 00:23:26,240
Speaker 2: been more accessible because now through platforms like, we're able

494
00:23:26,280 --> 00:23:28,840
Speaker 2: to access these things, which is to me really special.

495
00:23:28,960 --> 00:23:32,000
Speaker 2: But I also think we are now as especially women,

496
00:23:32,080 --> 00:23:35,080
Speaker 2: breaking down this barrier of mediocre, middle aged white men

497
00:23:35,119 --> 00:23:38,360
Speaker 2: telling us that an acronym means they're really smart. And

498
00:23:38,880 --> 00:23:43,720
Speaker 2: I think that for so long these people in the

499
00:23:43,800 --> 00:23:46,760
Speaker 2: investing world would use acronyms in terms of reference and

500
00:23:46,800 --> 00:23:50,760
Speaker 2: phrases that you know, they'd throw compound interest around and

501
00:23:50,840 --> 00:23:53,879
Speaker 2: talk about it as if it was really like exciting

502
00:23:53,920 --> 00:23:56,080
Speaker 2: and then never explain it in a way that made sense.

503
00:23:56,119 --> 00:23:59,000
Speaker 2: It would take them, you know, six paragraphs to get

504
00:23:59,000 --> 00:24:00,560
Speaker 2: to the point where it's like, hey, guys, it's the

505
00:24:00,600 --> 00:24:02,800
Speaker 2: money that your money makes, full stop.

506
00:24:03,160 --> 00:24:04,320
Speaker 4: It's so simple, like.

507
00:24:04,480 --> 00:24:06,600
Speaker 2: It's the money that your money makes when it's invested,

508
00:24:07,000 --> 00:24:09,560
Speaker 2: Like you put it there and it'll make money for you, like, okay,

509
00:24:09,600 --> 00:24:12,760
Speaker 2: no worries. And I just think it's crazy to think that,

510
00:24:12,840 --> 00:24:15,760
Speaker 2: you know, our ETAF is actually quite complicated, na, babe,

511
00:24:15,800 --> 00:24:18,159
Speaker 2: it's actually a basket. Like it's a basket of shares

512
00:24:18,160 --> 00:24:19,479
Speaker 2: and they put all the shares in there, and then

513
00:24:19,520 --> 00:24:21,199
Speaker 2: you put your money in there and buy it. Like

514
00:24:21,280 --> 00:24:26,160
Speaker 2: I just feel like we no longer except the gatekeeping

515
00:24:26,320 --> 00:24:29,639
Speaker 2: of the information, and we want it broken down. And

516
00:24:29,680 --> 00:24:32,680
Speaker 2: I think that that is you know, very twenty twenty two.

517
00:24:32,720 --> 00:24:35,480
Speaker 2: I think we see through it in plethoras of ways,

518
00:24:35,520 --> 00:24:38,600
Speaker 2: like you see it with people rebelling against influencers and

519
00:24:38,640 --> 00:24:42,240
Speaker 2: people rebelling against marketing and people rebelling against different products,

520
00:24:42,240 --> 00:24:44,840
Speaker 2: and you totally get it. But like, I'm glad it's

521
00:24:44,880 --> 00:24:48,520
Speaker 2: in the investment world because they need to be held responsible,

522
00:24:48,960 --> 00:24:51,080
Speaker 2: but also break it down or it's not going to

523
00:24:51,160 --> 00:24:53,120
Speaker 2: resonate with anybody. No one's going to want to work

524
00:24:53,160 --> 00:24:55,280
Speaker 2: with you. So I'm excited about that.

525
00:24:55,400 --> 00:24:57,000
Speaker 4: I'm really excited about that too, And I feel like

526
00:24:57,040 --> 00:24:59,720
Speaker 4: everybody who's here is excited about investing as well, which

527
00:24:59,760 --> 00:25:02,080
Speaker 4: is very, very fun. Because we have some questions that

528
00:25:02,119 --> 00:25:04,160
Speaker 4: you guys submitted that we're going to go through and answer.

529
00:25:04,480 --> 00:25:06,600
Speaker 4: All right, Victoria, the first question that I have for

530
00:25:06,680 --> 00:25:09,800
Speaker 4: you is should you start investing when you're on a

531
00:25:09,840 --> 00:25:13,320
Speaker 4: type budget? And if yes, how should you do that?

532
00:25:13,320 --> 00:25:18,119
Speaker 2: That is, Look, it's a really good question because it guys,

533
00:25:18,200 --> 00:25:20,800
Speaker 2: get this, it's really in line with your values. So

534
00:25:20,840 --> 00:25:24,239
Speaker 2: you've got to work out what is more valuable to you.

535
00:25:24,520 --> 00:25:26,840
Speaker 2: I think it's and I've said this before, it's so

536
00:25:27,040 --> 00:25:31,199
Speaker 2: ridiculous to expect that if you have a really type budget,

537
00:25:31,280 --> 00:25:33,680
Speaker 2: or you're going through what I call a season in life,

538
00:25:33,720 --> 00:25:36,040
Speaker 2: like you might be a university student and putting too

539
00:25:36,119 --> 00:25:38,960
Speaker 2: much pressure on yourself and more money is coming at

540
00:25:39,000 --> 00:25:42,840
Speaker 2: some point in the future. I feel like I'm a

541
00:25:42,880 --> 00:25:46,720
Speaker 2: staunch advocate for respecting the lifestyle that you currently have

542
00:25:47,359 --> 00:25:50,400
Speaker 2: so that you're not, you know, living the life that

543
00:25:50,520 --> 00:25:54,160
Speaker 2: you wish you had later. So investing now, it's really

544
00:25:54,200 --> 00:25:57,720
Speaker 2: important to understand it, to absorb the information, to educate yourself,

545
00:25:57,760 --> 00:25:59,760
Speaker 2: to put yourself in the best possible position to get

546
00:25:59,800 --> 00:26:03,040
Speaker 2: the best head start. But that doesn't necessarily mean that

547
00:26:03,119 --> 00:26:05,800
Speaker 2: you have to do it today. But I also really

548
00:26:05,880 --> 00:26:08,080
Speaker 2: want to reiterate that you don't have to have a

549
00:26:08,080 --> 00:26:11,320
Speaker 2: lot of money to invest. Like I have people that

550
00:26:11,480 --> 00:26:13,120
Speaker 2: talk to me in the She's on the Money community

551
00:26:13,119 --> 00:26:15,080
Speaker 2: and they're like, yeah, I just invest five dollars a month,

552
00:26:15,680 --> 00:26:18,199
Speaker 2: and I think that that's epic, like you are on

553
00:26:18,320 --> 00:26:21,639
Speaker 2: the road to success because yeah, like, let's be really

554
00:26:21,640 --> 00:26:24,240
Speaker 2: brutally honest, five bucks is not going to help you retire,

555
00:26:24,400 --> 00:26:27,399
Speaker 2: Like you are not going to be in a yacht

556
00:26:27,400 --> 00:26:30,840
Speaker 2: in the Bahamas because you invested five dollars a month.

557
00:26:31,200 --> 00:26:33,640
Speaker 2: But what you are going to be is super financially literate.

558
00:26:33,920 --> 00:26:36,760
Speaker 2: So once you graduate out of UNI or change jobs,

559
00:26:36,880 --> 00:26:39,240
Speaker 2: or the kids are no longer at home and you're

560
00:26:39,240 --> 00:26:41,840
Speaker 2: funding their life, like you already know how to invest.

561
00:26:42,160 --> 00:26:45,199
Speaker 2: You've been watching the market for maybe years at that point,

562
00:26:45,240 --> 00:26:48,120
Speaker 2: and you're really confident with it, you're really excited about it.

563
00:26:48,359 --> 00:26:52,159
Speaker 2: Putting more money in that investment portfolio doesn't feel overwhelming.

564
00:26:52,600 --> 00:26:56,520
Speaker 2: I think there's this very big idea that to invest

565
00:26:56,600 --> 00:26:59,200
Speaker 2: you must have really high cash flow. And I mean,

566
00:26:59,280 --> 00:27:01,440
Speaker 2: you guys have heard me before, I've said that you don't.

567
00:27:02,040 --> 00:27:04,439
Speaker 2: But I think we also still put that pressure on

568
00:27:04,480 --> 00:27:07,240
Speaker 2: ourselves to go, oh yeah, but like it's just not enough,

569
00:27:07,840 --> 00:27:10,560
Speaker 2: And in reality that's not the case at all, Like

570
00:27:10,600 --> 00:27:14,000
Speaker 2: there's no such thing as not enough, because even that

571
00:27:14,080 --> 00:27:17,000
Speaker 2: five dollars, Like you know, I remember someone talking to

572
00:27:17,040 --> 00:27:18,760
Speaker 2: me and they're like, oh, I don't invest much. I'm

573
00:27:18,840 --> 00:27:21,240
Speaker 2: just on rais and like they at that point in time,

574
00:27:21,280 --> 00:27:24,000
Speaker 2: their fees were like two dollars fifty a month. She's like,

575
00:27:24,040 --> 00:27:27,040
Speaker 2: I feel like my like returns are definitely being eaten

576
00:27:27,040 --> 00:27:29,399
Speaker 2: away by the fees, so it's not worth it. And

577
00:27:29,440 --> 00:27:31,320
Speaker 2: I was like, yeah, like let's reframe it though, Like

578
00:27:31,359 --> 00:27:33,600
Speaker 2: that's two dollars fifty a month that you can claim

579
00:27:33,640 --> 00:27:37,920
Speaker 2: on tags. Ah, that is an investment in your financial literacy.

580
00:27:38,440 --> 00:27:41,040
Speaker 2: And like I went to UNI, I did a lot

581
00:27:41,040 --> 00:27:42,879
Speaker 2: of UNI. If you've listened to the podcast, you know

582
00:27:42,920 --> 00:27:45,919
Speaker 2: I'm still in six figures of hex step. Then I

583
00:27:45,920 --> 00:27:47,760
Speaker 2: don't really want to talk about that today because it

584
00:27:47,800 --> 00:27:50,640
Speaker 2: still gives me anxiety. But it's one of those things

585
00:27:50,640 --> 00:27:53,000
Speaker 2: where like I get it, but the most I've ever

586
00:27:53,080 --> 00:27:55,960
Speaker 2: learned is when I was on the job, and investing

587
00:27:56,080 --> 00:27:58,640
Speaker 2: is exactly the same, Like, just start the damn job,

588
00:27:58,880 --> 00:28:00,960
Speaker 2: Go get your little into and ship. I don't care

589
00:28:01,000 --> 00:28:02,919
Speaker 2: what it is. If it's five bucks a month, if

590
00:28:02,960 --> 00:28:05,200
Speaker 2: it's two dollars a month, if it's just a dollar

591
00:28:05,280 --> 00:28:07,960
Speaker 2: share that you bought on chairs eas because you can

592
00:28:07,960 --> 00:28:10,960
Speaker 2: invest that much on chairs eas and just you watch

593
00:28:11,000 --> 00:28:13,359
Speaker 2: it over time. Like to me, that is more than

594
00:28:13,400 --> 00:28:16,000
Speaker 2: good enough. You are in the market. You are an investor,

595
00:28:16,520 --> 00:28:19,959
Speaker 2: And yeah, I think it's about your values. Yes, if

596
00:28:20,000 --> 00:28:22,359
Speaker 2: you're on a type budget, investing is important, but it

597
00:28:22,359 --> 00:28:25,600
Speaker 2: doesn't necessarily mean that you invest your life savings because

598
00:28:26,000 --> 00:28:28,520
Speaker 2: to be honest, that could be a really terrible idea

599
00:28:28,600 --> 00:28:30,720
Speaker 2: and put you in a sticky position in the long term.

600
00:28:31,119 --> 00:28:33,480
Speaker 4: And if you are in a position where even five

601
00:28:33,560 --> 00:28:36,200
Speaker 4: dollars a month is something that you just can't find,

602
00:28:36,720 --> 00:28:39,160
Speaker 4: that is okay, Because I think there's a lot of

603
00:28:39,320 --> 00:28:42,560
Speaker 4: pressure that we put on ourselves to be doing everything

604
00:28:42,560 --> 00:28:43,880
Speaker 4: that we want to be doing, and we see other

605
00:28:43,920 --> 00:28:45,640
Speaker 4: people doing things and we go, oh, I want to

606
00:28:45,640 --> 00:28:47,960
Speaker 4: be like them. I need to be preparing for my future.

607
00:28:48,040 --> 00:28:49,120
Speaker 4: I need to be buying a house. I need to

608
00:28:49,160 --> 00:28:50,560
Speaker 4: be getting married, I need to buy a dog, and

609
00:28:50,560 --> 00:28:52,040
Speaker 4: I need to do all these things because that's what

610
00:28:52,080 --> 00:28:55,239
Speaker 4: makes me a successful human. And if you can't do that,

611
00:28:55,320 --> 00:28:58,120
Speaker 4: if that room in your budget simply is not there,

612
00:28:58,760 --> 00:29:01,480
Speaker 4: that's okay. And I feel like you can still learn

613
00:29:01,560 --> 00:29:03,760
Speaker 4: and you can still listen and you can still watch,

614
00:29:03,800 --> 00:29:06,520
Speaker 4: so that once you are in a slightly better financial

615
00:29:06,600 --> 00:29:08,680
Speaker 4: position and it is an option that's on the table

616
00:29:08,720 --> 00:29:10,800
Speaker 4: for you, that's something that you can pursue and you

617
00:29:10,800 --> 00:29:13,440
Speaker 4: feel ready to jump two feet in as soon as

618
00:29:13,440 --> 00:29:15,800
Speaker 4: you can. I want to know how do we deal

619
00:29:15,840 --> 00:29:19,400
Speaker 4: with fear around investing, because that's something that held me

620
00:29:19,960 --> 00:29:22,480
Speaker 4: personally back, and I think it's something that holds a

621
00:29:22,520 --> 00:29:25,400
Speaker 4: lot of other people back. A lot is just being

622
00:29:25,440 --> 00:29:28,040
Speaker 4: really anxious about it or being afraid because we've heard that.

623
00:29:28,520 --> 00:29:30,960
Speaker 4: You know, back in the GFC everyone lost all of

624
00:29:31,000 --> 00:29:33,400
Speaker 4: their money and investing is so risky.

625
00:29:33,160 --> 00:29:36,160
Speaker 2: Because is it. Yeah, so we don't know. No, Okay,

626
00:29:36,160 --> 00:29:38,760
Speaker 2: well that's the answer. If you're scared, don't do it.

627
00:29:39,080 --> 00:29:42,000
Speaker 2: I actually I think it's let's go back to psychology, right,

628
00:29:42,080 --> 00:29:45,760
Speaker 2: Like fear, it doesn't come from us actually being scared

629
00:29:45,800 --> 00:29:49,280
Speaker 2: of something. Like I have like a really irrational fear

630
00:29:49,320 --> 00:29:52,640
Speaker 2: of clowns. And one time my ex boyfriend long story short,

631
00:29:52,720 --> 00:29:55,320
Speaker 2: took me to a theater show about clowns. And he

632
00:29:55,360 --> 00:29:58,400
Speaker 2: didn't know and he worked in theater, and so the

633
00:29:58,440 --> 00:30:01,600
Speaker 2: clowns came down the intermission, which we're going to have

634
00:30:01,680 --> 00:30:03,920
Speaker 2: soon to say hello to us and be kind and

635
00:30:03,920 --> 00:30:06,719
Speaker 2: they were like being clowns, and I fainted because I

636
00:30:06,840 --> 00:30:09,920
Speaker 2: was so scared, and they thought I was faking it.

637
00:30:09,960 --> 00:30:11,880
Speaker 2: And then anyway, we've got an ambulance. It was a

638
00:30:11,880 --> 00:30:16,000
Speaker 2: whole thing that was genuine fear. Guys, Like, if you're

639
00:30:16,000 --> 00:30:18,160
Speaker 2: not scared of clowns, we don't have to be scared

640
00:30:18,440 --> 00:30:21,680
Speaker 2: of investing. Investing is the fear of the unknown. Like

641
00:30:21,800 --> 00:30:24,360
Speaker 2: there's irrational fears, and then there's fears because we haven't

642
00:30:24,360 --> 00:30:28,560
Speaker 2: taken that next step. So that next step is scary

643
00:30:28,600 --> 00:30:30,320
Speaker 2: because we don't know what it's made up of, right, Like,

644
00:30:30,360 --> 00:30:32,840
Speaker 2: we can't see it like it's we're going in blind,

645
00:30:33,120 --> 00:30:35,640
Speaker 2: So how do we become not blind? How do we,

646
00:30:36,080 --> 00:30:38,680
Speaker 2: you know, look to the future in a way where

647
00:30:38,680 --> 00:30:41,440
Speaker 2: we can clearly see that next stepping stone? And I

648
00:30:41,440 --> 00:30:45,520
Speaker 2: think it's genuinely about education, Like, if you're scared about anything,

649
00:30:46,040 --> 00:30:48,760
Speaker 2: we can educate you into going all right, well, clowns

650
00:30:48,760 --> 00:30:51,959
Speaker 2: are not scary Victoria, Like, they're just people wearing masks.

651
00:30:51,960 --> 00:30:53,280
Speaker 2: Would you like to touch them up?

652
00:30:53,360 --> 00:30:53,400
Speaker 1: No?

653
00:30:53,520 --> 00:30:56,320
Speaker 2: I would not. I get it. But I think it's

654
00:30:56,360 --> 00:30:58,840
Speaker 2: really important to break down that goal if it seems

655
00:30:58,880 --> 00:31:02,480
Speaker 2: too scary to invest, Like my answer is genuinely don't yet.

656
00:31:02,960 --> 00:31:04,920
Speaker 2: It's not don't do it at all, it's don't do

657
00:31:05,000 --> 00:31:07,920
Speaker 2: it yet. Take the pressure off and put yourself in

658
00:31:07,920 --> 00:31:10,280
Speaker 2: a position where you go, all right, well, I'm not ready.

659
00:31:10,760 --> 00:31:13,160
Speaker 2: Why am I scared? I'm scared because I think that

660
00:31:13,240 --> 00:31:16,040
Speaker 2: I have to invest my life savings. No, I don't, Okay,

661
00:31:16,280 --> 00:31:19,040
Speaker 2: I can invest five dollars. All right, Well, if I

662
00:31:19,040 --> 00:31:21,800
Speaker 2: can invest five dollars, what would I want to invest in? Like,

663
00:31:21,880 --> 00:31:25,800
Speaker 2: let's start exploring that. Let's start consuming media that is

664
00:31:25,840 --> 00:31:28,560
Speaker 2: aligned to creating the life we want, Like there are

665
00:31:28,600 --> 00:31:32,160
Speaker 2: a million podcasts out there, obviously, there's shees on the money,

666
00:31:32,160 --> 00:31:34,440
Speaker 2: but then there's also you know, my millennial money and

667
00:31:34,480 --> 00:31:36,680
Speaker 2: girls that invest and equity mates and all of our

668
00:31:36,720 --> 00:31:39,600
Speaker 2: friends in the industry that create content. So you can

669
00:31:39,640 --> 00:31:42,720
Speaker 2: be more comfortable with this step. And I would say

670
00:31:42,800 --> 00:31:46,600
Speaker 2: that fear comes from the unknown, and if we can

671
00:31:46,680 --> 00:31:49,160
Speaker 2: create the unknown known, we're not scared of it. So

672
00:31:49,280 --> 00:31:53,600
Speaker 2: I would just say research, create, but also don't put

673
00:31:53,600 --> 00:31:55,360
Speaker 2: yourself in a position where you think you need to

674
00:31:55,400 --> 00:31:58,520
Speaker 2: know every single thing to take the next step. Once

675
00:31:58,560 --> 00:31:59,960
Speaker 2: maybe there's a little bit of fog and you can

676
00:32:00,120 --> 00:32:02,120
Speaker 2: see the next step, maybe know that you're going to

677
00:32:02,200 --> 00:32:04,800
Speaker 2: be safe to take that step and go from there,

678
00:32:04,920 --> 00:32:07,280
Speaker 2: and then let's look for the next one. And if

679
00:32:07,280 --> 00:32:10,200
Speaker 2: those steps are genuinely feeling too big and too out

680
00:32:10,240 --> 00:32:12,840
Speaker 2: of control, let's talk about how we can bring it back,

681
00:32:13,160 --> 00:32:15,720
Speaker 2: how we can actually create them into smaller steps that

682
00:32:15,840 --> 00:32:19,360
Speaker 2: are more palatable and that aren't scary. And one of

683
00:32:19,400 --> 00:32:23,280
Speaker 2: the best things ever, well, let's be biased, is that

684
00:32:23,320 --> 00:32:26,920
Speaker 2: she's on the money community because there are people experiencing

685
00:32:26,960 --> 00:32:30,000
Speaker 2: what you're experiencing. Jump into the Facebook group, comment on things,

686
00:32:30,240 --> 00:32:34,120
Speaker 2: read people's experiences, talk to a girlfriend, go out for

687
00:32:34,160 --> 00:32:36,160
Speaker 2: a coffee, go over to their house for a cup

688
00:32:36,160 --> 00:32:37,680
Speaker 2: of team and be like, oh my gosh, so this

689
00:32:37,840 --> 00:32:42,840
Speaker 2: concept weird right investing, but like, chat to them about

690
00:32:42,880 --> 00:32:45,680
Speaker 2: these things. Blame me, be like, oh this girl Victoria,

691
00:32:45,760 --> 00:32:47,640
Speaker 2: she's crazy, but she talks about this thing. What do

692
00:32:47,680 --> 00:32:48,280
Speaker 2: you think of it?

693
00:32:48,400 --> 00:32:48,520
Speaker 3: Like?

694
00:32:48,920 --> 00:32:52,040
Speaker 2: I want to be the reason that you guys get

695
00:32:52,080 --> 00:32:54,520
Speaker 2: to take that next step and get to put yourselves

696
00:32:54,520 --> 00:32:58,120
Speaker 2: in the best possible financial position. And I genuinely believe

697
00:32:58,200 --> 00:33:00,880
Speaker 2: that it's just because we don't know and create the known,

698
00:33:01,040 --> 00:33:02,760
Speaker 2: we will be okay, I.

699
00:33:02,680 --> 00:33:05,440
Speaker 4: Really really like that. I have one more question before

700
00:33:05,560 --> 00:33:07,480
Speaker 4: we let everybody go for a quick break, and that

701
00:33:07,640 --> 00:33:11,440
Speaker 4: is for people who don't have children, because it's twenty

702
00:33:11,480 --> 00:33:14,040
Speaker 4: twenty two, and not every person who can have a

703
00:33:14,120 --> 00:33:17,520
Speaker 4: child wants to anymore. Where does their wealth go when

704
00:33:17,560 --> 00:33:20,040
Speaker 4: they're no longer around? Because when we talk about investing

705
00:33:20,040 --> 00:33:22,680
Speaker 4: a lot of the time we talk about passing that along,

706
00:33:22,760 --> 00:33:25,320
Speaker 4: building a future that's better for the people who come

707
00:33:25,360 --> 00:33:28,280
Speaker 4: after us. But if you don't have children, you know

708
00:33:28,640 --> 00:33:31,000
Speaker 4: that concept, how do we still apply it? Is there

709
00:33:31,040 --> 00:33:33,000
Speaker 4: any point in investing? Should we just spend all of

710
00:33:33,040 --> 00:33:34,480
Speaker 4: our money and live our best lives and be like

711
00:33:34,520 --> 00:33:37,040
Speaker 4: peace out, Thanks so much guys, like, what do you

712
00:33:37,400 --> 00:33:39,040
Speaker 4: what's the point that's very deep?

713
00:33:39,080 --> 00:33:39,720
Speaker 3: Say that point?

714
00:33:39,960 --> 00:33:42,320
Speaker 2: Do you say that too confidently? Is that your plan?

715
00:33:43,000 --> 00:33:44,800
Speaker 2: Like is that what's gonna happen. I'm gonna go hard

716
00:33:44,840 --> 00:33:47,040
Speaker 2: and then I'm kids one day and Jess, we'll be

717
00:33:47,080 --> 00:33:52,040
Speaker 2: like ill, why all right? Cool? Deep question that wasn't

718
00:33:52,040 --> 00:33:54,719
Speaker 2: on the script. I love that from Jess. I think

719
00:33:54,760 --> 00:33:56,880
Speaker 2: it actually goes back to legacy, right, and like what

720
00:33:56,920 --> 00:33:58,560
Speaker 2: do you want to create? What impact do you want

721
00:33:58,560 --> 00:34:01,560
Speaker 2: to have on the world. Having had the experience of

722
00:34:02,240 --> 00:34:05,800
Speaker 2: investing four people worth tens of millions of dollars, because

723
00:34:05,800 --> 00:34:08,640
Speaker 2: that's where I started, right, So when I first got

724
00:34:08,680 --> 00:34:11,760
Speaker 2: my financial advice career, I was lucky enough to slip

725
00:34:11,800 --> 00:34:14,799
Speaker 2: into a business that only worked with people that are

726
00:34:14,800 --> 00:34:18,000
Speaker 2: classified as ultra high net wealth. And that sounds kind

727
00:34:18,000 --> 00:34:22,440
Speaker 2: of bougie, right, But the definition of that in the

728
00:34:22,480 --> 00:34:24,680
Speaker 2: business that I worked in, so not across the board,

729
00:34:24,680 --> 00:34:26,160
Speaker 2: but in the business that I worked in, was that

730
00:34:26,200 --> 00:34:28,320
Speaker 2: they had to have a minimum of ten million dollars

731
00:34:28,360 --> 00:34:31,279
Speaker 2: to invest. So I was dealing with people while I

732
00:34:31,320 --> 00:34:33,480
Speaker 2: was in like forty thousand dollars worth a credit card debt,

733
00:34:33,520 --> 00:34:35,640
Speaker 2: Like I don't know why they were taking my advice,

734
00:34:35,680 --> 00:34:38,440
Speaker 2: but they were. While I was doing that, I think

735
00:34:38,480 --> 00:34:42,080
Speaker 2: I learned a lot about legacy, because even if people

736
00:34:42,120 --> 00:34:44,600
Speaker 2: do have kids, it doesn't necessarily mean they want that

737
00:34:44,680 --> 00:34:47,000
Speaker 2: wealth to pass on to them. A lot of the

738
00:34:47,040 --> 00:34:49,279
Speaker 2: time they'd be like, look, Jess is my child. I

739
00:34:49,320 --> 00:34:51,920
Speaker 2: think she's really intelligent. I actually want to find like,

740
00:34:52,000 --> 00:34:54,640
Speaker 2: have her find her own way, and a lot of

741
00:34:54,719 --> 00:34:57,120
Speaker 2: I guess the wealthy people in the world who have

742
00:34:57,200 --> 00:34:59,759
Speaker 2: tens of millions of dollars struggle with exactly the same

743
00:34:59,840 --> 00:35:02,680
Speaker 2: Q questions that we have. And that's what happens after

744
00:35:02,760 --> 00:35:06,040
Speaker 2: I'm not here anymore? And what legacy do I want

745
00:35:06,080 --> 00:35:10,320
Speaker 2: to leave behind? And I think, obviously the stereotypical answer

746
00:35:10,360 --> 00:35:13,279
Speaker 2: of work with a state planning lawyer to work out

747
00:35:13,360 --> 00:35:16,440
Speaker 2: what that is, but actually think about your life, because

748
00:35:16,480 --> 00:35:19,600
Speaker 2: I don't think it's what happens after we die that's important.

749
00:35:19,640 --> 00:35:21,600
Speaker 2: I also think it's about the legacy that we leave

750
00:35:21,640 --> 00:35:24,399
Speaker 2: in our living life. If we want to get really deep,

751
00:35:24,960 --> 00:35:28,000
Speaker 2: But what are we putting our money towards? What are

752
00:35:28,040 --> 00:35:30,120
Speaker 2: we funding, what are we not funding? Are we going

753
00:35:30,160 --> 00:35:31,840
Speaker 2: to talk about fast fashion and we're not going to

754
00:35:31,840 --> 00:35:35,120
Speaker 2: talk about fast fashion and you know, when you pass on,

755
00:35:35,480 --> 00:35:36,880
Speaker 2: do you want that money to be left to a

756
00:35:36,960 --> 00:35:39,799
Speaker 2: child or to my child, Jessica, or do we want

757
00:35:39,800 --> 00:35:42,439
Speaker 2: that money to be passed on to a cause that's

758
00:35:42,480 --> 00:35:46,280
Speaker 2: really close to our heart or establishing something that means

759
00:35:46,280 --> 00:35:50,200
Speaker 2: something something really cool. Actually, I know you're probably trying

760
00:35:50,200 --> 00:35:55,560
Speaker 2: to wrap me up, but good luck is we would

761
00:35:55,600 --> 00:35:58,880
Speaker 2: create a lot of trusts for super wealthy people and

762
00:35:58,920 --> 00:36:02,040
Speaker 2: you can actually do it now, where you invest your

763
00:36:02,080 --> 00:36:05,239
Speaker 2: future wealth that you don't need anymore. Because on the

764
00:36:05,239 --> 00:36:07,640
Speaker 2: off chance that something to happen to us yesterday, because

765
00:36:07,640 --> 00:36:09,960
Speaker 2: we always talk about yesterday. We never talk about tomorrow.

766
00:36:10,440 --> 00:36:12,719
Speaker 2: On the off chance that something happened to me yesterday,

767
00:36:12,800 --> 00:36:14,920
Speaker 2: maybe I want to create a trust that, you know,

768
00:36:15,000 --> 00:36:18,880
Speaker 2: the investment money in that in perpetuity pays for a

769
00:36:18,880 --> 00:36:22,399
Speaker 2: scholarship or a fee for somebody. And you know, let's

770
00:36:22,400 --> 00:36:24,799
Speaker 2: be super deep in my will, I've got that set up,

771
00:36:25,320 --> 00:36:28,960
Speaker 2: like I have all my superannuation money going to a

772
00:36:29,200 --> 00:36:34,719
Speaker 2: trust that will create financial literacy like courses in other countries. Sorry, guys,

773
00:36:34,760 --> 00:36:37,160
Speaker 2: I feel like you guys have a covered in other

774
00:36:37,239 --> 00:36:42,080
Speaker 2: countries for women who are not able to access financial literacy.

775
00:36:42,640 --> 00:36:45,719
Speaker 2: And I think that you can do literally anything you

776
00:36:45,760 --> 00:36:47,920
Speaker 2: want to. But the really important thing here is that

777
00:36:47,960 --> 00:36:51,120
Speaker 2: we actually established that before we pass away, and we

778
00:36:51,160 --> 00:36:53,719
Speaker 2: actually document that really well and put ourselves in a

779
00:36:53,760 --> 00:36:57,319
Speaker 2: position where it's actually possible. So what are people who

780
00:36:57,360 --> 00:37:00,000
Speaker 2: don't have children do? They do the same thing, because

781
00:37:00,080 --> 00:37:02,360
Speaker 2: you'd be surprised about how many parents pass away and

782
00:37:02,400 --> 00:37:04,640
Speaker 2: they don't have anything left for their children. So I

783
00:37:04,640 --> 00:37:07,400
Speaker 2: think it's about legacy. What do you want people to

784
00:37:07,440 --> 00:37:09,840
Speaker 2: remember you for or what do you want to create

785
00:37:09,920 --> 00:37:12,879
Speaker 2: and how do we create that? Because we're not talking

786
00:37:12,920 --> 00:37:15,080
Speaker 2: about tens of millions of dollars here, like.

787
00:37:15,360 --> 00:37:21,040
Speaker 4: We okay, I will go, I hope you're okay. Whoever

788
00:37:21,120 --> 00:37:21,640
Speaker 4: just fell over?

789
00:37:22,640 --> 00:37:26,520
Speaker 2: I think they threw a drink. No, it's not about

790
00:37:26,520 --> 00:37:29,800
Speaker 2: tens of millions of dollars, Like every dollar literally counts,

791
00:37:29,800 --> 00:37:31,839
Speaker 2: and you can create whatever you want to create with that.

792
00:37:31,880 --> 00:37:33,640
Speaker 2: You just have to be purposeful and put a plan

793
00:37:33,719 --> 00:37:34,120
Speaker 2: in place.

794
00:37:34,280 --> 00:37:34,920
Speaker 3: Is that okay?

795
00:37:35,120 --> 00:37:37,719
Speaker 4: I really like that. I'm also getting slightly triggered by

796
00:37:37,719 --> 00:37:39,600
Speaker 4: you calling me your child because when we went to

797
00:37:39,719 --> 00:37:42,600
Speaker 4: finn Con, this is so this is I'm getting very

798
00:37:42,600 --> 00:37:44,200
Speaker 4: off topic here. But when we went to fin Con,

799
00:37:44,520 --> 00:37:47,200
Speaker 4: we went to a party and it was tacky tourist themed.

800
00:37:47,360 --> 00:37:49,520
Speaker 2: Did you see this? This is so good?

801
00:37:49,520 --> 00:37:52,480
Speaker 4: So Glenn and Victoria I went and bought Glenn.

802
00:37:52,080 --> 00:37:55,080
Speaker 2: From My Millennial Money, which is like our partner podcast.

803
00:37:55,120 --> 00:37:57,879
Speaker 2: If you don't know My Millennial Money, you love them.

804
00:37:58,120 --> 00:38:01,600
Speaker 2: His community, not our communit his community call him the

805
00:38:01,719 --> 00:38:05,000
Speaker 2: Dad of finance. So when I was introduced to his community,

806
00:38:05,040 --> 00:38:06,399
Speaker 2: they were she's clearly the mom.

807
00:38:06,760 --> 00:38:09,480
Speaker 4: In the US, everyone who goes to Disneyland buys family

808
00:38:09,520 --> 00:38:13,240
Speaker 4: t shirts and they say lack so tight rich tu

809
00:38:13,560 --> 00:38:15,279
Speaker 4: or something fun like that. So I went and got

810
00:38:15,320 --> 00:38:19,080
Speaker 4: one that said mom because it's an o with Disney ears,

811
00:38:19,160 --> 00:38:20,960
Speaker 4: and then one that said dad. And Glenn and Victoria

812
00:38:21,000 --> 00:38:23,279
Speaker 4: wore those and I had like the kids one, so

813
00:38:23,360 --> 00:38:25,359
Speaker 4: I was like their little child. But then we went

814
00:38:25,400 --> 00:38:27,520
Speaker 4: to the event and they wouldn't give me a drinks

815
00:38:27,560 --> 00:38:30,520
Speaker 4: band because they thought I was underage because I was

816
00:38:30,560 --> 00:38:31,120
Speaker 4: their kid.

817
00:38:31,840 --> 00:38:34,640
Speaker 2: I'm more offended than they actually thought. You could be

818
00:38:34,760 --> 00:38:35,640
Speaker 2: more a child.

819
00:38:36,160 --> 00:38:39,080
Speaker 4: Really good, But I think on that note, we should

820
00:38:39,080 --> 00:38:41,400
Speaker 4: send all of these overage people off to get a

821
00:38:41,480 --> 00:38:43,880
Speaker 4: drink of their own on a nice little break. There's

822
00:38:43,880 --> 00:38:46,399
Speaker 4: books out there as well, if you'd like to purchase one,

823
00:38:46,440 --> 00:38:48,520
Speaker 4: because I hear someone will be signing them later on.

824
00:38:48,760 --> 00:38:51,560
Speaker 2: I have like five sharpiees. She came prepared.

825
00:38:51,680 --> 00:38:53,560
Speaker 4: Don't let her down. She wants to work through at

826
00:38:53,640 --> 00:38:55,719
Speaker 4: least three of those or she'll field disappointed.

827
00:38:55,760 --> 00:38:58,040
Speaker 2: And we've got Bodzilla coming up, which I promise is

828
00:38:58,080 --> 00:38:59,920
Speaker 2: so much better than the first half of this show.

829
00:39:00,320 --> 00:39:02,879
Speaker 4: So we'll see you guys all back very soon at

830
00:39:02,880 --> 00:39:12,319
Speaker 4: eight thirty.

831
00:39:13,400 --> 00:39:16,920
Speaker 2: Hello again, did we enjoy intermission? What do people actually

832
00:39:16,960 --> 00:39:17,759
Speaker 2: do on intermission?

833
00:39:17,920 --> 00:39:20,520
Speaker 4: Post self is tagging us. A lot of people want

834
00:39:20,520 --> 00:39:22,120
Speaker 4: to win the master class. I saw that.

835
00:39:22,480 --> 00:39:25,040
Speaker 2: I spent my entire time back in that room, like

836
00:39:25,120 --> 00:39:27,319
Speaker 2: replying to dms. One of you told me how much

837
00:39:27,320 --> 00:39:29,360
Speaker 2: she got out of debt, really exciting. Someone told me

838
00:39:29,360 --> 00:39:32,840
Speaker 2: about their tax debt not so exciting. And a couple

839
00:39:32,840 --> 00:39:35,240
Speaker 2: of you were like, oh, I just posted my bee reel, babe,

840
00:39:35,280 --> 00:39:38,839
Speaker 2: that's not that real. Like if you waited for your

841
00:39:38,880 --> 00:39:42,040
Speaker 2: be reel to be posted here, that's not the point.

842
00:39:42,600 --> 00:39:44,320
Speaker 2: Just do a insta story anyway.

843
00:39:45,040 --> 00:39:47,120
Speaker 4: I think it's time to bring out our special guests

844
00:39:47,120 --> 00:39:50,200
Speaker 4: for the night, which I'm very excited about. We have

845
00:39:50,360 --> 00:39:54,360
Speaker 4: April Ellen Horton, who is a writer, public speaker, actor,

846
00:39:54,400 --> 00:39:58,640
Speaker 4: and model. You probably know her as the Bodzilla. April

847
00:39:58,760 --> 00:40:01,600
Speaker 4: is all about fat joy. She's a passionate advocate for

848
00:40:01,640 --> 00:40:05,600
Speaker 4: intersectional experiences. She's a noted MC and keynote speaker who

849
00:40:05,680 --> 00:40:08,840
Speaker 4: gives people confidence to take up the space that they deserve.

850
00:40:09,280 --> 00:40:12,480
Speaker 4: Her sense of fun translates to her fun sense of fashion,

851
00:40:12,840 --> 00:40:15,960
Speaker 4: where she is a literal rainbow of fabulousness. And she,

852
00:40:17,040 --> 00:40:18,799
Speaker 4: Oh my gosh, we didn't even brieve her. She just

853
00:40:18,840 --> 00:40:19,399
Speaker 4: turned up.

854
00:40:19,280 --> 00:40:21,200
Speaker 2: In bees, she came on brand.

855
00:40:21,800 --> 00:40:23,960
Speaker 4: She just she knew and we didn't even have to

856
00:40:23,960 --> 00:40:26,360
Speaker 4: say anything. In twenty twenty one, she actually led the

857
00:40:26,360 --> 00:40:30,320
Speaker 4: way as Australia's first truly plus sized model to appear

858
00:40:30,360 --> 00:40:32,839
Speaker 4: in a bikini on a billboard and she was part

859
00:40:32,840 --> 00:40:36,200
Speaker 4: of a national three part TV series asking Australia what

860
00:40:36,280 --> 00:40:40,239
Speaker 4: they really think about disability, old people and obesity. She

861
00:40:40,400 --> 00:40:46,560
Speaker 4: champions racial equality, LGBTQ plus inclusion, sex positivity and fat liberation.

862
00:40:47,000 --> 00:40:50,000
Speaker 4: A full time communications gig keeps her busy, and in

863
00:40:50,040 --> 00:40:51,759
Speaker 4: the past she's had her finger in a number of

864
00:40:51,800 --> 00:40:55,520
Speaker 4: pies across advertising, social media, and production of music videos

865
00:40:55,520 --> 00:40:58,640
Speaker 4: as well as commercial shoots and film. In twenty twenty two,

866
00:40:58,719 --> 00:41:03,360
Speaker 4: her mission is to continue bringing conversations about authentic diversity, inclusion,

867
00:41:03,480 --> 00:41:05,520
Speaker 4: and privilege into everyday life.

868
00:41:06,040 --> 00:41:20,080
Speaker 2: Amazing. Let's give a round of applause for April. April, Yeah, hello,

869
00:41:20,160 --> 00:41:25,040
Speaker 2: my baby, and she she I told you guys, she

870
00:41:25,160 --> 00:41:30,040
Speaker 2: said she was really funny, So high expectations physical get

871
00:41:31,840 --> 00:41:34,040
Speaker 2: Are you excited to be here? I'm having a terrible

872
00:41:34,440 --> 00:41:36,200
Speaker 2: look same. We made her sit out the back for

873
00:41:36,320 --> 00:41:39,319
Speaker 2: the entire first half of this show. Sorry about it,

874
00:41:39,440 --> 00:41:43,600
Speaker 2: but one of our community members she literally pulled us

875
00:41:43,680 --> 00:41:47,320
Speaker 2: champagne goss pining about out the back. We're like, oh water.

876
00:41:47,480 --> 00:41:50,640
Speaker 2: Of course, someone brought us champagne. So during the break,

877
00:41:50,680 --> 00:41:52,759
Speaker 2: we'll like find us glasses. We are going to drink

878
00:41:52,760 --> 00:42:00,440
Speaker 2: this ten We loved you. I wish they drink all right,

879
00:42:01,320 --> 00:42:03,520
Speaker 2: all right, I'm very excited because this is a live

880
00:42:03,560 --> 00:42:07,640
Speaker 2: podcast recording, April Wild you ever done that before? Maybe

881
00:42:07,760 --> 00:42:09,640
Speaker 2: it's all right, It's all right, we'll edit this bit out.

882
00:42:09,640 --> 00:42:11,719
Speaker 2: It's not really about live because once it gets to

883
00:42:11,800 --> 00:42:18,640
Speaker 2: the we were talking about you out the bat. But April,

884
00:42:18,680 --> 00:42:21,440
Speaker 2: I want to kick this conversation off with a recent

885
00:42:21,480 --> 00:42:24,480
Speaker 2: money win or a confession, whatever you're up to. You

886
00:42:24,600 --> 00:42:25,640
Speaker 2: got something fun for us?

887
00:42:25,760 --> 00:42:29,120
Speaker 6: A recent money win. I finally did my tax episode

888
00:42:29,120 --> 00:42:30,799
Speaker 6: over you and they gave me.

889
00:42:30,719 --> 00:42:31,480
Speaker 2: Some money back.

890
00:42:31,760 --> 00:42:32,319
Speaker 3: That is a win.

891
00:42:32,480 --> 00:42:33,319
Speaker 2: That's a good win.

892
00:42:33,840 --> 00:42:36,080
Speaker 6: Like that's when you also but like you didn't learn

893
00:42:36,120 --> 00:42:38,400
Speaker 6: a lesson because you think you're gonna go oh no,

894
00:42:38,520 --> 00:42:39,760
Speaker 6: I owe you money and they're like no, no.

895
00:42:39,640 --> 00:42:40,920
Speaker 2: You're going to do it again, aren't you.

896
00:42:41,040 --> 00:42:41,440
Speaker 3: Yeah, I.

897
00:42:45,880 --> 00:42:47,399
Speaker 2: Will sit down after this.

898
00:42:47,680 --> 00:42:50,000
Speaker 3: Here's your dinner. Yeah, we need to have a talk.

899
00:42:51,280 --> 00:42:53,240
Speaker 3: I'll apply your Okay.

900
00:42:53,280 --> 00:42:59,880
Speaker 4: Well, well, April, I went through your very impressive and

901
00:43:00,160 --> 00:43:03,080
Speaker 4: very well written by mighty ad, written by her, and

902
00:43:03,360 --> 00:43:05,200
Speaker 4: I'd love for us to tell us a little bit

903
00:43:05,280 --> 00:43:08,160
Speaker 4: in your own words about what you do for work

904
00:43:08,200 --> 00:43:09,560
Speaker 4: and what you do in your day to day life.

905
00:43:10,120 --> 00:43:19,080
Speaker 3: So so thanks, Yeah, geez I am as you say.

906
00:43:19,320 --> 00:43:21,520
Speaker 3: I work full time in internal communication.

907
00:43:21,560 --> 00:43:25,240
Speaker 6: Actually no part time now I've just got my Yes,

908
00:43:25,600 --> 00:43:26,080
Speaker 6: we love.

909
00:43:25,960 --> 00:43:28,160
Speaker 3: A bit of work life balance. I had a MENTIB

910
00:43:28,280 --> 00:43:29,640
Speaker 3: and I was like, this is not going to work.

911
00:43:31,040 --> 00:43:34,760
Speaker 3: So I didn't see you seriously, but also.

912
00:43:36,120 --> 00:43:38,520
Speaker 4: Our poor interpret are having to sign MENTIB.

913
00:43:40,880 --> 00:43:43,760
Speaker 2: Sorry.

914
00:43:43,880 --> 00:43:48,960
Speaker 6: So I work in communications as a public servant actually,

915
00:43:49,239 --> 00:43:52,360
Speaker 6: and then I also have a child, and I also

916
00:43:52,520 --> 00:43:56,240
Speaker 6: do online activism and then I also fly to Sydney

917
00:43:56,320 --> 00:43:59,879
Speaker 6: and do like hang out with us and I drink one. Yeah,

918
00:44:00,080 --> 00:44:03,440
Speaker 6: it's pretty much your running theme, so I guess I

919
00:44:03,440 --> 00:44:05,120
Speaker 6: mean in my own words, you read them out. But

920
00:44:05,440 --> 00:44:07,319
Speaker 6: if I was to say, like what do I do,

921
00:44:07,400 --> 00:44:09,520
Speaker 6: I'm just trying to make things a little bit better

922
00:44:09,920 --> 00:44:11,080
Speaker 6: for everyone.

923
00:44:11,239 --> 00:44:12,920
Speaker 3: Which I think is what you're doing as well. Do

924
00:44:12,920 --> 00:44:14,120
Speaker 3: you know what I mean? So good?

925
00:44:14,160 --> 00:44:15,880
Speaker 2: You know that's why we're getting along so well. Also,

926
00:44:15,960 --> 00:44:18,560
Speaker 2: we didn't coordinate our at look.

927
00:44:18,560 --> 00:44:21,480
Speaker 3: I just I came in and we were like, oh

928
00:44:21,560 --> 00:44:22,320
Speaker 3: so exciting.

929
00:44:22,520 --> 00:44:24,279
Speaker 2: That's actually what it sounded like.

930
00:44:24,400 --> 00:44:25,800
Speaker 3: It was louder than that, but I wasn't going to

931
00:44:25,880 --> 00:44:27,400
Speaker 3: do it into the microphone. That seems me.

932
00:44:29,080 --> 00:44:31,760
Speaker 2: I want to know, you are a lot of things,

933
00:44:32,000 --> 00:44:35,280
Speaker 2: a lot of very impressive things. But let's be really pervy.

934
00:44:35,320 --> 00:44:37,000
Speaker 2: This is she's on the money after the way, how

935
00:44:37,000 --> 00:44:39,680
Speaker 2: many different ways do you make money?

936
00:44:38,760 --> 00:44:38,920
Speaker 3: Oh?

937
00:44:39,680 --> 00:44:42,960
Speaker 6: Well, I have a job, and then I own a

938
00:44:43,000 --> 00:44:45,839
Speaker 6: business and then no, I don't have OnlyFans.

939
00:44:46,960 --> 00:44:50,080
Speaker 3: You do so well on there, though, I would actually

940
00:44:50,239 --> 00:44:52,719
Speaker 3: kill it. I'm all about that. I'm like, get the

941
00:44:52,800 --> 00:44:54,520
Speaker 3: bag on it. No, that's yeah.

942
00:44:54,520 --> 00:44:56,719
Speaker 6: I think I would call myself a business owner and

943
00:44:56,760 --> 00:44:59,080
Speaker 6: I also have a PAYG.

944
00:45:00,480 --> 00:45:00,880
Speaker 2: I love it.

945
00:45:01,160 --> 00:45:03,160
Speaker 3: What a sexy acronym matters all?

946
00:45:04,040 --> 00:45:07,399
Speaker 2: I mean, you've been using that MENTI B I had

947
00:45:07,400 --> 00:45:08,839
Speaker 2: to actually think, ad be that what dap?

948
00:45:09,000 --> 00:45:11,120
Speaker 3: What is that? We're having one right now?

949
00:45:11,440 --> 00:45:15,239
Speaker 2: Help me? I want to know, though you transitioned from

950
00:45:15,280 --> 00:45:17,960
Speaker 2: full time work. You just told us to part time work,

951
00:45:18,160 --> 00:45:19,960
Speaker 2: and I think that's the dream of a lot of people.

952
00:45:20,000 --> 00:45:21,040
Speaker 2: How'd you do that? Though?

953
00:45:21,719 --> 00:45:24,319
Speaker 6: Well, I decided that I really wanted to be able

954
00:45:24,360 --> 00:45:27,120
Speaker 6: to actually focus on the thing I was doing when

955
00:45:27,160 --> 00:45:29,840
Speaker 6: I was doing it. And then you know in both cases,

956
00:45:30,239 --> 00:45:33,160
Speaker 6: and so working part time is a way that I

957
00:45:33,200 --> 00:45:36,320
Speaker 6: can balance it. And I decided that I actually could

958
00:45:36,320 --> 00:45:41,480
Speaker 6: not afford not financially, but could not afford to overdo it.

959
00:45:41,040 --> 00:45:42,520
Speaker 3: As much as I was.

960
00:45:43,040 --> 00:45:46,040
Speaker 6: And so I think there has definitely been for me

961
00:45:46,280 --> 00:45:48,080
Speaker 6: a bit of a sacrifice knowing that I go, well,

962
00:45:48,120 --> 00:45:51,480
Speaker 6: I probably won't have as much spending money. But this

963
00:45:52,000 --> 00:45:53,520
Speaker 6: is one of those things that you kind of just

964
00:45:53,560 --> 00:45:56,120
Speaker 6: have to do, because, as I was saying earlier, when

965
00:45:56,120 --> 00:45:58,239
Speaker 6: it goes from being a side hustle to like at

966
00:45:58,360 --> 00:46:01,279
Speaker 6: least halfway into your real life us, you kin'd have

967
00:46:01,320 --> 00:46:05,040
Speaker 6: to find that balance. So I think it isn't glamorous

968
00:46:05,239 --> 00:46:07,319
Speaker 6: to go part time from your day job to do

969
00:46:07,400 --> 00:46:09,560
Speaker 6: you focus on your hard hustle. It's a lot of

970
00:46:09,600 --> 00:46:12,440
Speaker 6: hard work and it's worth it if it's worth it

971
00:46:12,480 --> 00:46:14,279
Speaker 6: to you, and you shouldn't let anybody tell you that

972
00:46:14,320 --> 00:46:17,120
Speaker 6: it's not you know, or try to talk you out

973
00:46:17,160 --> 00:46:19,799
Speaker 6: of doing something that's not stable, because if what you're

974
00:46:19,800 --> 00:46:22,560
Speaker 6: doing brings you joy, what like, why would you want

975
00:46:22,560 --> 00:46:23,160
Speaker 6: to be stable?

976
00:46:27,280 --> 00:46:33,120
Speaker 2: I really like, I really like financial stability though, that's

977
00:46:33,160 --> 00:46:34,360
Speaker 2: what we're here to talk about.

978
00:46:35,040 --> 00:46:39,319
Speaker 3: Yes, let's see it. Yes, yeah, she didn't.

979
00:46:38,960 --> 00:46:41,200
Speaker 2: Mean that we do want stability.

980
00:46:41,520 --> 00:46:45,200
Speaker 6: No, I think the idea of having financial stability and

981
00:46:45,239 --> 00:46:47,120
Speaker 6: the idea of being able to be glamorous all the

982
00:46:47,160 --> 00:46:50,359
Speaker 6: time perhaps not realistic. Sometimes you have to work really

983
00:46:50,400 --> 00:46:53,120
Speaker 6: hard and spend a lot of time being like I

984
00:46:53,160 --> 00:46:54,640
Speaker 6: need a spreadsheet.

985
00:46:54,120 --> 00:46:56,239
Speaker 3: To figure out what exactly is going on with all

986
00:46:56,280 --> 00:46:59,240
Speaker 3: this money? And what's a gst? Because what's a GST?

987
00:47:01,360 --> 00:47:04,040
Speaker 3: I feel like it's like, who got her here? Why

988
00:47:04,080 --> 00:47:08,680
Speaker 3: is she? Because I'm funny? You are?

989
00:47:08,760 --> 00:47:11,400
Speaker 2: We literally flew you to a different state were no

990
00:47:11,440 --> 00:47:16,399
Speaker 2: one in Sydney is as good as Wedzilla. But we've

991
00:47:16,440 --> 00:47:20,320
Speaker 2: spoken about this backstage and I was going to ask you,

992
00:47:20,320 --> 00:47:22,360
Speaker 2: you know, tell me a little bit about your current

993
00:47:22,440 --> 00:47:25,480
Speaker 2: relationship with money, but like, let's go full money diary

994
00:47:25,520 --> 00:47:27,839
Speaker 2: for a second and ask, which is usually the first

995
00:47:27,920 --> 00:47:30,640
Speaker 2: question in our actual money diary, is like, tell us

996
00:47:30,640 --> 00:47:33,440
Speaker 2: a little bit about your money story, because I feel like,

997
00:47:33,640 --> 00:47:35,080
Speaker 2: you know, you know all of this stuff, and it's

998
00:47:35,080 --> 00:47:36,920
Speaker 2: great to be up here going all right, well, we

999
00:47:36,960 --> 00:47:38,640
Speaker 2: want work life balance and we want to put these

1000
00:47:38,680 --> 00:47:41,480
Speaker 2: things first. But like you know, from experience, you don't

1001
00:47:41,760 --> 00:47:43,399
Speaker 2: just say that and go oh, I had an empty

1002
00:47:43,480 --> 00:47:47,359
Speaker 2: bee and it was just random. It came from somewhere, right.

1003
00:47:48,160 --> 00:47:50,840
Speaker 6: So, I mean when I was younger, I worked part

1004
00:47:50,840 --> 00:47:53,320
Speaker 6: time in shift work, and I understood the value of

1005
00:47:53,360 --> 00:47:54,880
Speaker 6: penalty rates and how.

1006
00:47:54,760 --> 00:47:55,200
Speaker 3: You make money.

1007
00:47:55,239 --> 00:47:57,279
Speaker 6: So I think I've been learning this lesson around what

1008
00:47:57,360 --> 00:47:59,480
Speaker 6: you get out is what you put in kind of

1009
00:47:59,520 --> 00:48:00,440
Speaker 6: for a long time.

1010
00:48:00,840 --> 00:48:01,920
Speaker 3: I think when I got my.

1011
00:48:01,920 --> 00:48:07,560
Speaker 6: First career job, I was twenty three four five.

1012
00:48:07,600 --> 00:48:10,000
Speaker 3: I don't know if someone.

1013
00:48:09,280 --> 00:48:13,000
Speaker 6: And I know, you can't tell, And I think for me,

1014
00:48:13,239 --> 00:48:15,440
Speaker 6: it was the idea that I was heading into this

1015
00:48:15,520 --> 00:48:17,880
Speaker 6: career with stability and a regular income, and that I

1016
00:48:17,880 --> 00:48:20,120
Speaker 6: could work during the day and sleep at night time,

1017
00:48:20,200 --> 00:48:22,680
Speaker 6: which was very different from working in a hospitality industry.

1018
00:48:22,719 --> 00:48:26,399
Speaker 3: That kind of was very opposite to that. And I

1019
00:48:26,480 --> 00:48:27,120
Speaker 3: think that.

1020
00:48:27,080 --> 00:48:29,960
Speaker 6: If I look back, the way that I looked at

1021
00:48:30,000 --> 00:48:32,680
Speaker 6: money coming into my bank account every week is like

1022
00:48:32,719 --> 00:48:33,279
Speaker 6: what can I.

1023
00:48:33,239 --> 00:48:36,439
Speaker 3: Waste this on? How many stupid things can I buy?

1024
00:48:36,800 --> 00:48:39,080
Speaker 6: Somebody asked me the other week, like, what's your biggest

1025
00:48:39,080 --> 00:48:40,880
Speaker 6: regret of anything you've ever purchased? And I was like,

1026
00:48:40,920 --> 00:48:44,400
Speaker 6: literally everything I bought in my twenties, it was just a.

1027
00:48:44,000 --> 00:48:46,800
Speaker 3: Waste of money, just crap constantly.

1028
00:48:47,200 --> 00:48:50,560
Speaker 6: And I think now being someone who has to balance that,

1029
00:48:50,600 --> 00:48:52,880
Speaker 6: you know, and also taking care of other people, have

1030
00:48:52,920 --> 00:48:55,960
Speaker 6: a child, having to make considered decisions about what's a

1031
00:48:56,000 --> 00:48:58,240
Speaker 6: good use of money? Does it mean that I don't

1032
00:48:58,320 --> 00:48:59,960
Speaker 6: buy things that I don't need to know? But I

1033
00:49:00,120 --> 00:49:02,399
Speaker 6: buy way less of them and I think really hard

1034
00:49:02,440 --> 00:49:03,759
Speaker 6: about whether I need them as much.

1035
00:49:04,480 --> 00:49:06,239
Speaker 2: I love that, and I feel like this is an

1036
00:49:06,239 --> 00:49:08,279
Speaker 2: ongoing theme of my week. You guys aren't going to

1037
00:49:08,320 --> 00:49:10,760
Speaker 2: be able to, you know, reiterate with this yet because

1038
00:49:10,800 --> 00:49:12,520
Speaker 2: the Money Diary hasn't come out yet. But I was

1039
00:49:12,560 --> 00:49:14,719
Speaker 2: talking to a money dirist yesterday, as were you, Miss

1040
00:49:14,840 --> 00:49:18,719
Speaker 2: Jess Grici, and she was saying, when I first started,

1041
00:49:18,920 --> 00:49:21,279
Speaker 2: you know, having my own full time job. If I

1042
00:49:21,320 --> 00:49:23,400
Speaker 2: earned eight hundred and fifty dollars a week instead of

1043
00:49:23,440 --> 00:49:25,080
Speaker 2: seeing all your bills. You were like, I've got eight

1044
00:49:25,160 --> 00:49:28,320
Speaker 2: hundred and fifty bucks to spend. And I was like, oh,

1045
00:49:28,440 --> 00:49:31,000
Speaker 2: that's actually a mentality that I had. And we talked

1046
00:49:31,040 --> 00:49:32,840
Speaker 2: about the cost of living and how we kind of

1047
00:49:32,840 --> 00:49:35,440
Speaker 2: buried our head in the sand, like floor cleaner, you

1048
00:49:35,480 --> 00:49:37,320
Speaker 2: have to pay for that paper towels. We have to

1049
00:49:37,360 --> 00:49:39,279
Speaker 2: buy that that comes out of that eight hundred and

1050
00:49:39,320 --> 00:49:40,920
Speaker 2: fifty dollars. And it's kind of a joke. So if

1051
00:49:40,960 --> 00:49:43,080
Speaker 2: anyone knows how to like skip that part, that would

1052
00:49:43,120 --> 00:49:43,640
Speaker 2: be great.

1053
00:49:43,920 --> 00:49:45,320
Speaker 4: Live in the bush.

1054
00:49:45,360 --> 00:49:50,720
Speaker 2: Oh and the answer apparently no paper towel needed.

1055
00:49:51,040 --> 00:49:54,759
Speaker 6: I tell you funny conversation that I overheard in the

1056
00:49:54,800 --> 00:49:55,359
Speaker 6: break room.

1057
00:49:56,239 --> 00:49:57,919
Speaker 3: I was like, Oh, what happened in.

1058
00:49:57,840 --> 00:50:00,160
Speaker 2: My breakroom stays in the break.

1059
00:50:00,360 --> 00:50:02,239
Speaker 6: Except this girl set it in front of me. Now,

1060
00:50:02,280 --> 00:50:06,239
Speaker 6: I'm going to say it to all of you. Was it, Jess, No,

1061
00:50:06,800 --> 00:50:09,000
Speaker 6: it was at work, and this girl I could have say,

1062
00:50:09,960 --> 00:50:12,920
Speaker 6: I just can't believe that the electricity and the water

1063
00:50:13,000 --> 00:50:14,240
Speaker 6: is not included in the rent.

1064
00:50:14,320 --> 00:50:15,160
Speaker 3: That's bullshit.

1065
00:50:16,800 --> 00:50:21,719
Speaker 5: And I was like, girl, you're right, that's that's balls.

1066
00:50:21,920 --> 00:50:24,720
Speaker 3: I hate that for you, Like, oh my god.

1067
00:50:25,040 --> 00:50:26,880
Speaker 6: I was like when my sister asked me the Titanic

1068
00:50:27,040 --> 00:50:31,920
Speaker 6: was real, I was like, anyway, I just kind of

1069
00:50:31,960 --> 00:50:34,960
Speaker 6: loved the fact that she clearly left home to be.

1070
00:50:35,040 --> 00:50:38,040
Speaker 3: Like, you know, this independent young thing, and they got.

1071
00:50:37,880 --> 00:50:39,120
Speaker 2: A rude ass shock.

1072
00:50:41,000 --> 00:50:43,239
Speaker 6: My mate were like, say the electricity bills, She's like, no, no, no,

1073
00:50:43,320 --> 00:50:44,920
Speaker 6: I transferred it to the acount already.

1074
00:50:45,400 --> 00:50:49,120
Speaker 3: Nobody if that's the room over the head in.

1075
00:50:49,120 --> 00:50:54,080
Speaker 6: This probably rat infested jair, the traps are extra and

1076
00:50:54,160 --> 00:50:56,720
Speaker 6: so yeah, I think that it's kind of fun slash

1077
00:50:56,840 --> 00:50:58,359
Speaker 6: sad to be like, oh shit, ye.

1078
00:50:58,320 --> 00:51:01,080
Speaker 2: I'm so much to learn. You also have to pay

1079
00:51:01,160 --> 00:51:04,200
Speaker 2: to get rid of the rat.

1080
00:51:04,960 --> 00:51:09,239
Speaker 3: Really, it is so rude, seriously as bad.

1081
00:51:09,480 --> 00:51:12,759
Speaker 2: Well let's fast forward, though, let's fast forward. Let's move fast.

1082
00:51:12,840 --> 00:51:16,560
Speaker 2: Their brady sharehouse. I'm not mad about it. What's your

1083
00:51:16,760 --> 00:51:20,440
Speaker 2: current relationship with money look like, because obviously you're not

1084
00:51:20,480 --> 00:51:22,640
Speaker 2: in a rat infested sharehouse.

1085
00:51:22,320 --> 00:51:24,879
Speaker 3: Or maybe no judgment.

1086
00:51:25,840 --> 00:51:29,320
Speaker 6: I don't feel like I am living the financially secure

1087
00:51:29,400 --> 00:51:31,279
Speaker 6: dreams that my mother had in mind when she used

1088
00:51:31,320 --> 00:51:33,600
Speaker 6: to be like put these fifty cents in that piggy bank.

1089
00:51:34,040 --> 00:51:36,680
Speaker 6: I think that it was like because like fifty cents

1090
00:51:36,680 --> 00:51:39,239
Speaker 6: as well, not a lot really, Like when I think

1091
00:51:39,239 --> 00:51:41,279
Speaker 6: about what I could get for fifty cents when I.

1092
00:51:41,400 --> 00:51:46,120
Speaker 2: Can't even buy fifty cent cone anymore, they don't releast inflation.

1093
00:51:46,200 --> 00:51:48,520
Speaker 2: We've had this conversation much of I now doll dollar

1094
00:51:48,560 --> 00:51:50,200
Speaker 2: twenty oh dollar twenty.

1095
00:51:51,040 --> 00:51:54,480
Speaker 4: I'm pretty sure it's a dollar twenty and everyone's shocked.

1096
00:51:56,360 --> 00:51:58,799
Speaker 3: I actually am that. You know that has gone up

1097
00:51:58,840 --> 00:52:01,279
Speaker 3: by four hundred? Is that maths? It used to be

1098
00:52:01,280 --> 00:52:01,840
Speaker 3: thirty cents.

1099
00:52:01,920 --> 00:52:03,840
Speaker 2: No one's gonna argue with you. You're a one hundred

1100
00:52:03,880 --> 00:52:05,280
Speaker 2: percent somebody who knows matts.

1101
00:52:05,320 --> 00:52:09,279
Speaker 3: Agree with me? Please? Yeah, I beg you. It's gone up.

1102
00:52:09,320 --> 00:52:10,120
Speaker 3: It's times four?

1103
00:52:10,280 --> 00:52:12,239
Speaker 2: Yes, oh yes four.

1104
00:52:14,040 --> 00:52:18,400
Speaker 5: Wait till they find out about the electricity.

1105
00:52:18,320 --> 00:52:18,520
Speaker 3: Yeah.

1106
00:52:18,600 --> 00:52:21,040
Speaker 6: So I think my current relationship with money is still

1107
00:52:21,080 --> 00:52:24,000
Speaker 6: fraught with a lot of I'm carrying a lot of baggage,

1108
00:52:24,440 --> 00:52:26,640
Speaker 6: you know, tw financial abuse. But like was in a

1109
00:52:26,640 --> 00:52:29,279
Speaker 6: relationship with someone who was real shady. I came out

1110
00:52:29,320 --> 00:52:32,160
Speaker 6: of that relationship with no money and no super.

1111
00:52:34,880 --> 00:52:35,800
Speaker 3: I'll kill him.

1112
00:52:38,040 --> 00:52:40,160
Speaker 2: You're acting like I judge you for that.

1113
00:52:40,640 --> 00:52:43,759
Speaker 3: You're like, what's his number? I doesn't want to talk.

1114
00:52:43,840 --> 00:52:45,280
Speaker 2: We are riding at midnight.

1115
00:52:46,520 --> 00:52:51,799
Speaker 3: I'll pick you up. And so it was what the

1116
00:52:51,920 --> 00:52:54,359
Speaker 3: fuck honestly like? And I do go, oh my god,

1117
00:52:54,360 --> 00:52:55,200
Speaker 3: that's so cringe.

1118
00:52:55,360 --> 00:52:57,959
Speaker 6: It's not because it happens to so many of us

1119
00:52:58,080 --> 00:53:00,799
Speaker 6: because we don't understand what we need to know.

1120
00:53:01,040 --> 00:53:04,040
Speaker 3: And what I was saying actually to Gabby backstage, Gabby's

1121
00:53:04,200 --> 00:53:08,080
Speaker 3: the beautiful Ea of Victoria. Incredible and great pants.

1122
00:53:08,560 --> 00:53:10,800
Speaker 6: How much you did for Gabby. You've got good pants,

1123
00:53:10,800 --> 00:53:14,000
Speaker 6: good pants, good pants, Gabby. That's a funny.

1124
00:53:14,600 --> 00:53:18,080
Speaker 2: I was saying to her that this podcast and your books.

1125
00:53:18,440 --> 00:53:20,840
Speaker 2: If I had been her age when this was around,

1126
00:53:21,239 --> 00:53:23,920
Speaker 2: that probably would not have happened to me, because I

1127
00:53:23,920 --> 00:53:25,440
Speaker 2: would have had some financial literacy.

1128
00:53:25,480 --> 00:53:27,399
Speaker 3: I would have understood that that's a bad idea.

1129
00:53:27,440 --> 00:53:29,919
Speaker 6: You shouldn't let anybody talk you into doing those things

1130
00:53:29,920 --> 00:53:31,239
Speaker 6: with your money, because that's a bad plan.

1131
00:53:31,920 --> 00:53:34,120
Speaker 3: And so I really think.

1132
00:53:33,960 --> 00:53:36,520
Speaker 6: That the value for me of being engaged in a

1133
00:53:36,560 --> 00:53:41,040
Speaker 6: conversation about money, about investment is to understand that it's

1134
00:53:41,040 --> 00:53:44,000
Speaker 6: never too late to start. I think as well, like

1135
00:53:44,280 --> 00:53:47,759
Speaker 6: I'm old compared to you, but I'm young compared to some.

1136
00:53:47,680 --> 00:53:50,360
Speaker 3: Other people, So like, yay, it's all relative.

1137
00:53:49,960 --> 00:53:52,120
Speaker 6: And I think if I can get a handle on

1138
00:53:52,200 --> 00:53:54,120
Speaker 6: what I want to do, it doesn't have to have

1139
00:53:54,160 --> 00:53:55,880
Speaker 6: a time limit. I don't have to decide it's going

1140
00:53:55,920 --> 00:53:58,280
Speaker 6: to be by New Year's Eve all the time I'm forty,

1141
00:53:58,400 --> 00:53:59,760
Speaker 6: both of which are coming.

1142
00:54:00,239 --> 00:54:03,320
Speaker 3: Then I think that that feels really reassured.

1143
00:54:03,520 --> 00:54:06,080
Speaker 2: Do you think I'm in my twenties, because yeah, I'll

1144
00:54:06,120 --> 00:54:06,440
Speaker 2: take that.

1145
00:54:07,000 --> 00:54:11,120
Speaker 4: I am Jesse me Wing.

1146
00:54:11,800 --> 00:54:14,239
Speaker 3: I mean, I don't know everybody. Everybody in the world

1147
00:54:14,320 --> 00:54:18,919
Speaker 3: seems younger than me. It's the votops And I love

1148
00:54:19,000 --> 00:54:19,600
Speaker 3: that for you.

1149
00:54:19,719 --> 00:54:20,719
Speaker 2: Don't you.

1150
00:54:23,440 --> 00:54:26,759
Speaker 4: Can I ask you about and obviously feel free to

1151
00:54:26,800 --> 00:54:28,040
Speaker 4: brush over this if you want to.

1152
00:54:28,080 --> 00:54:29,919
Speaker 2: But what said if she doesn't want to answer a question,

1153
00:54:30,000 --> 00:54:31,759
Speaker 2: she's just gonna make a joke and then ask Jess

1154
00:54:31,760 --> 00:54:33,759
Speaker 2: a question. And I'm fine with that she does that,

1155
00:54:33,800 --> 00:54:36,319
Speaker 2: I feel like you might have sorry.

1156
00:54:36,080 --> 00:54:39,880
Speaker 3: Steam out from mind anyway. Yeah, how did.

1157
00:54:39,719 --> 00:54:43,920
Speaker 4: You get to the place in that relationship when you

1158
00:54:43,960 --> 00:54:45,799
Speaker 4: know you were in a place where you thought, oh,

1159
00:54:45,880 --> 00:54:47,560
Speaker 4: like this is fine, this is normal, this is a

1160
00:54:47,600 --> 00:54:50,000
Speaker 4: relationship because you didn't know differently, how did you get

1161
00:54:50,000 --> 00:54:52,840
Speaker 4: to the point where you're like, actually, that's not acceptable.

1162
00:54:52,880 --> 00:54:53,600
Speaker 4: I deserve better.

1163
00:54:54,120 --> 00:54:59,960
Speaker 6: So I think everything that had happened in that four years,

1164
00:55:00,160 --> 00:55:03,560
Speaker 6: four and a half years was kind of a terrible

1165
00:55:03,600 --> 00:55:07,239
Speaker 6: trajectory of terribleness, and then you just get to the

1166
00:55:07,320 --> 00:55:08,919
Speaker 6: end of the roller coaster, a self finished being built,

1167
00:55:08,920 --> 00:55:09,560
Speaker 6: you just fall off.

1168
00:55:09,840 --> 00:55:11,520
Speaker 3: That's how I think it feeled emotionally.

1169
00:55:12,040 --> 00:55:15,400
Speaker 6: Essentially, we split and when I reflected, and it was

1170
00:55:15,480 --> 00:55:19,600
Speaker 6: messy and whatever, and it made for like good Instagram posts,

1171
00:55:19,600 --> 00:55:25,399
Speaker 6: which I've now deleted because that's cringe. But I think

1172
00:55:25,440 --> 00:55:28,080
Speaker 6: that the idea that all of that could happen and

1173
00:55:28,120 --> 00:55:33,000
Speaker 6: then I could walk away and be like, what the.

1174
00:55:34,560 --> 00:55:37,959
Speaker 3: Were you thinking? Really hurt my head?

1175
00:55:39,920 --> 00:55:40,919
Speaker 2: You know that's made of metal?

1176
00:55:41,000 --> 00:55:44,840
Speaker 3: Yees, yeah, not my head, though. I think it was

1177
00:55:44,960 --> 00:55:45,960
Speaker 3: just a real wake up.

1178
00:55:45,960 --> 00:55:49,040
Speaker 6: And I think any person who's ever experienced a scenario

1179
00:55:49,080 --> 00:55:51,279
Speaker 6: where there in a relationship and I don't mean that

1180
00:55:51,680 --> 00:55:52,960
Speaker 6: necessarily romantically.

1181
00:55:53,280 --> 00:55:54,560
Speaker 3: When we talk about relationship, you and.

1182
00:55:54,800 --> 00:55:57,319
Speaker 6: Energy exchange between two people where you've both agreed to

1183
00:55:57,400 --> 00:55:59,920
Speaker 6: some terms and conditions that perhaps one of you skimmed

1184
00:55:59,920 --> 00:56:05,560
Speaker 6: it fendly just signed it, read it. I think you

1185
00:56:05,680 --> 00:56:07,280
Speaker 6: just kind of look back and go, that was a

1186
00:56:07,320 --> 00:56:09,480
Speaker 6: pretty shit choice. Not I'm like signing up for a

1187
00:56:09,480 --> 00:56:11,879
Speaker 6: credit card, when you're eighteen in that.

1188
00:56:12,960 --> 00:56:19,560
Speaker 2: She lostens No but legit, I think that we don't know, no,

1189
00:56:19,600 --> 00:56:21,600
Speaker 2: but but it's legit right that you don't know what

1190
00:56:21,680 --> 00:56:24,319
Speaker 2: you don't know. And the older you get, the more

1191
00:56:24,360 --> 00:56:27,000
Speaker 2: reflection time you have. And you said something interesting, you

1192
00:56:27,000 --> 00:56:28,680
Speaker 2: were like, oh, if this was around when I was younger,

1193
00:56:28,719 --> 00:56:31,759
Speaker 2: I wouldn't have gotten in that circumstance. On flip side,

1194
00:56:31,800 --> 00:56:34,080
Speaker 2: if this was around when I was younger, I wouldn't

1195
00:56:34,080 --> 00:56:37,680
Speaker 2: have listened because I absolutely knew better, like I was

1196
00:56:37,960 --> 00:56:42,680
Speaker 2: really smart. Yeah, like maybe it did exist back because

1197
00:56:42,680 --> 00:56:44,560
Speaker 2: I'm pretending I.

1198
00:56:45,160 --> 00:56:48,640
Speaker 3: Has the Australian financial of you been around? Do you think.

1199
00:56:50,360 --> 00:56:53,720
Speaker 2: She's on the Money's three? So probably like two years.

1200
00:56:53,880 --> 00:56:58,480
Speaker 6: Paul Greenwood somewhere being like, sorry, I'm right here.

1201
00:56:59,280 --> 00:57:01,560
Speaker 2: Let's talk about it investing, because that's what we are

1202
00:57:01,719 --> 00:57:02,880
Speaker 2: here to talk about today.

1203
00:57:03,000 --> 00:57:04,600
Speaker 3: You wrote a whole book about it. I did.

1204
00:57:04,719 --> 00:57:08,040
Speaker 2: It's crazy. I want to know, like you've invested before,

1205
00:57:08,440 --> 00:57:10,560
Speaker 2: how did you make decisions like that? How do you

1206
00:57:10,680 --> 00:57:14,560
Speaker 2: know what you wanted to invest in and what align

1207
00:57:14,600 --> 00:57:17,280
Speaker 2: to your values? Especially as someone who is like so

1208
00:57:17,600 --> 00:57:20,160
Speaker 2: clear about their value system.

1209
00:57:20,000 --> 00:57:22,080
Speaker 3: I think the clearness about my value system is probably

1210
00:57:22,120 --> 00:57:24,160
Speaker 3: a new thing, but my aversion.

1211
00:57:23,800 --> 00:57:26,000
Speaker 6: To risk that goes all the way back to nineteen

1212
00:57:26,040 --> 00:57:28,880
Speaker 6: eighty five, and that's how I am.

1213
00:57:29,280 --> 00:57:29,800
Speaker 2: Ah.

1214
00:57:29,840 --> 00:57:31,920
Speaker 3: And so I think about investments.

1215
00:57:31,960 --> 00:57:33,560
Speaker 6: I want to do something that feel safe, because even

1216
00:57:33,560 --> 00:57:35,800
Speaker 6: though I made a joke about being unstable, actually I'm

1217
00:57:35,840 --> 00:57:38,000
Speaker 6: all about being stable. I want something that I'm like,

1218
00:57:38,160 --> 00:57:39,800
Speaker 6: I know exactly what's going to happen, and what happens

1219
00:57:39,800 --> 00:57:42,080
Speaker 6: if this happens, what about this? And I think in

1220
00:57:42,120 --> 00:57:46,080
Speaker 6: the context of my current life situation and relationship and

1221
00:57:46,120 --> 00:57:48,160
Speaker 6: that kind of thing, I feel really confident that I'm

1222
00:57:48,160 --> 00:57:50,760
Speaker 6: the decision maker in terms of that kind of stuff,

1223
00:57:51,120 --> 00:57:52,880
Speaker 6: and so I'm like, I'm not going to do anything

1224
00:57:52,880 --> 00:57:55,640
Speaker 6: that's going to put our current comfort at risk. So

1225
00:57:55,680 --> 00:57:58,400
Speaker 6: when I think about investing now or in the future,

1226
00:57:58,840 --> 00:58:00,840
Speaker 6: I definitely feel like it's one of those things where

1227
00:58:00,840 --> 00:58:03,320
Speaker 6: I'm like, I want to be able to able to

1228
00:58:03,400 --> 00:58:06,840
Speaker 6: be as well informed as possible, but by people that

1229
00:58:06,920 --> 00:58:09,920
Speaker 6: I trust and people that I think actually care about

1230
00:58:09,920 --> 00:58:10,400
Speaker 6: what I.

1231
00:58:10,400 --> 00:58:13,040
Speaker 3: Want, not what my husband wants.

1232
00:58:13,520 --> 00:58:16,000
Speaker 6: Because there's nothing I hate more than being like, oh, yes,

1233
00:58:16,200 --> 00:58:17,880
Speaker 6: just get your husband to give me a call about

1234
00:58:17,920 --> 00:58:20,160
Speaker 6: your mine in the bin, you go absolutely not ease,

1235
00:58:20,440 --> 00:58:21,520
Speaker 6: not allowed to have any money.

1236
00:58:21,520 --> 00:58:25,560
Speaker 3: It's all mine. He owns his own business, so I

1237
00:58:25,600 --> 00:58:30,240
Speaker 3: have some and he has none. Oh sorry, Michael, I'm

1238
00:58:30,240 --> 00:58:31,240
Speaker 3: looking up there like he's dead.

1239
00:58:31,320 --> 00:58:31,600
Speaker 1: He's not.

1240
00:58:34,560 --> 00:58:37,640
Speaker 6: He's like, yeah, you're dead to me though, So so

1241
00:58:37,920 --> 00:58:41,280
Speaker 6: same but different, I think, And I think also when

1242
00:58:41,280 --> 00:58:45,040
Speaker 6: we talk about investing, we know that every second person

1243
00:58:45,040 --> 00:58:47,680
Speaker 6: on our facebooker, our whatever social media is like I

1244
00:58:47,840 --> 00:58:49,240
Speaker 6: want to tell you about I was like, just let

1245
00:58:49,240 --> 00:58:52,520
Speaker 6: me stop you literally right there, because I don't care

1246
00:58:52,720 --> 00:58:54,600
Speaker 6: about your made up currency.

1247
00:58:54,760 --> 00:58:55,880
Speaker 2: Oh we're talking about that.

1248
00:58:56,080 --> 00:59:00,440
Speaker 3: Oh she had crypto bros. And just go and just

1249
00:59:00,520 --> 00:59:01,480
Speaker 3: keep going forever.

1250
00:59:01,760 --> 00:59:04,200
Speaker 2: Anybody, Yeah, if anybody works in tech and knows how

1251
00:59:04,240 --> 00:59:06,920
Speaker 2: to get rid of those bots that are on every

1252
00:59:06,960 --> 00:59:10,680
Speaker 2: single Instagram post of Sheese on the Money that comments

1253
00:59:10,720 --> 00:59:13,280
Speaker 2: like we're like, hey, financial literacy education, They're like, I

1254
00:59:13,320 --> 00:59:14,560
Speaker 2: have an opportunity for you.

1255
00:59:14,720 --> 00:59:22,320
Speaker 7: First person, first person to reply struggling gets five thousand shekelshit,

1256
00:59:22,400 --> 00:59:25,920
Speaker 7: They're like, I found financial freedom by following.

1257
00:59:25,600 --> 00:59:30,040
Speaker 6: The capital letters brenda, because obviously they're using a spreadsheet

1258
00:59:30,120 --> 00:59:32,840
Speaker 6: to do it, and it doesn't have a lower case.

1259
00:59:32,560 --> 00:59:34,240
Speaker 3: It just caps no.

1260
00:59:34,320 --> 00:59:37,640
Speaker 6: But how do they afford these bots? Literally spend that money?

1261
00:59:37,640 --> 00:59:39,480
Speaker 6: Put it like, put it elsewhere. I was gonna make

1262
00:59:39,480 --> 00:59:41,160
Speaker 6: a recommendation that I'm not going to do that because

1263
00:59:41,200 --> 00:59:43,280
Speaker 6: I am callified to provide financial advice.

1264
00:59:43,800 --> 00:59:50,960
Speaker 3: But i am, but I can't here later for the reasons.

1265
00:59:50,960 --> 00:59:51,480
Speaker 3: That was a joke.

1266
00:59:51,680 --> 00:59:53,720
Speaker 6: And so I think that the idea that you was

1267
00:59:53,720 --> 00:59:56,120
Speaker 6: spend all your money on something like that, it feels

1268
00:59:56,200 --> 00:59:59,320
Speaker 6: like cheap shoes, it feels like cheap handbags, it feels

1269
00:59:59,360 --> 01:00:01,000
Speaker 6: like wastefulness.

1270
01:00:01,040 --> 01:00:02,280
Speaker 3: The twenty year old me would have thought it was

1271
01:00:02,280 --> 01:00:04,960
Speaker 3: a great idea to buy bots or followers or something,

1272
01:00:04,960 --> 01:00:07,520
Speaker 3: and I'm like, terrible plan, terrible plan. You should just

1273
01:00:07,880 --> 01:00:10,720
Speaker 3: buy god bullying than just safe and put it in there.

1274
01:00:10,760 --> 01:00:12,240
Speaker 3: That is also terrible.

1275
01:00:12,320 --> 01:00:18,280
Speaker 2: Again, the legal is is that was a joke. Oh

1276
01:00:18,400 --> 01:00:22,000
Speaker 2: my gosh, I just so horrified. I just can't. I'm

1277
01:00:22,040 --> 01:00:23,320
Speaker 2: not I'm not horrified.

1278
01:00:23,360 --> 01:00:23,720
Speaker 3: Do you know what?

1279
01:00:23,800 --> 01:00:25,880
Speaker 2: Gold is a good investment for people who want to

1280
01:00:25,880 --> 01:00:32,560
Speaker 2: buy gold? There go, Yeah, I agree with that. Let's

1281
01:00:32,560 --> 01:00:33,840
Speaker 2: move to non monetary.

1282
01:00:33,920 --> 01:00:36,040
Speaker 3: Let's move away from all of.

1283
01:00:36,080 --> 01:00:37,560
Speaker 2: That non monetary.

1284
01:00:37,720 --> 01:00:39,480
Speaker 3: Maybe I will refiel my drink. I feel like I

1285
01:00:39,480 --> 01:00:40,560
Speaker 3: can only make it. I can do it.

1286
01:00:40,640 --> 01:00:42,520
Speaker 2: I can do it for you. While you answer this question,

1287
01:00:42,640 --> 01:00:45,160
Speaker 2: I want to know. Investing in yourself is a theme

1288
01:00:45,200 --> 01:00:47,960
Speaker 2: that I see consistent in your content, which I am

1289
01:00:48,080 --> 01:00:50,920
Speaker 2: obviously very very behind. But what is the best thing

1290
01:00:50,960 --> 01:00:53,360
Speaker 2: you have invested in that is not financial?

1291
01:00:54,240 --> 01:00:57,120
Speaker 6: When I bought my MacBook, it's going to sound enough now.

1292
01:00:57,200 --> 01:00:59,080
Speaker 6: But anyway, here we are, I've ad all of this

1293
01:00:59,160 --> 01:01:01,320
Speaker 6: other stuff. I'm going to be worried about this part.

1294
01:01:02,480 --> 01:01:05,400
Speaker 6: I felt like that was I was backing myself, which

1295
01:01:05,400 --> 01:01:07,439
Speaker 6: I think is part of that You know when you're

1296
01:01:07,480 --> 01:01:09,600
Speaker 6: taking a risk, and that for me felt risky to

1297
01:01:09,600 --> 01:01:11,840
Speaker 6: spend a couple of grand on this device, and I

1298
01:01:11,840 --> 01:01:12,200
Speaker 6: was like, do.

1299
01:01:12,200 --> 01:01:13,680
Speaker 3: I really need that? But I'm going to write a book.

1300
01:01:14,840 --> 01:01:15,720
Speaker 3: I haven't written it.

1301
01:01:17,360 --> 01:01:19,800
Speaker 6: Well, I have done a shit load of emails, I

1302
01:01:19,880 --> 01:01:22,800
Speaker 6: tell you no. But I think that was the beginning

1303
01:01:22,920 --> 01:01:26,080
Speaker 6: of spending money that I wasn't sure. I was like, oh,

1304
01:01:26,120 --> 01:01:27,880
Speaker 6: I don't know if I will ever get anything back

1305
01:01:28,120 --> 01:01:30,480
Speaker 6: for this, because I feel like that's what an investment is, right.

1306
01:01:30,480 --> 01:01:33,040
Speaker 3: You return on investment.

1307
01:01:32,680 --> 01:01:34,240
Speaker 2: Is value that you get.

1308
01:01:34,360 --> 01:01:36,400
Speaker 6: But the value and the joy that I got from

1309
01:01:36,440 --> 01:01:38,720
Speaker 6: knowing that I had spent that money with the self

1310
01:01:38,760 --> 01:01:40,520
Speaker 6: belief that one day I will write a book that

1311
01:01:40,560 --> 01:01:43,720
Speaker 6: I type dab typed on that little MacBook and that

1312
01:01:44,000 --> 01:01:46,320
Speaker 6: I could run a business and own a business because

1313
01:01:46,320 --> 01:01:47,640
Speaker 6: I could do that now because I had a computer

1314
01:01:47,680 --> 01:01:48,840
Speaker 6: instead of doing it all on my phone and be

1315
01:01:48,920 --> 01:01:54,080
Speaker 6: like my eyes, I seriously so bad. I think that

1316
01:01:54,200 --> 01:01:57,840
Speaker 6: was probably one of the biggest investments, and I stand

1317
01:01:57,880 --> 01:02:02,000
Speaker 6: by that, like I really feel like that moment when

1318
01:02:02,040 --> 01:02:03,760
Speaker 6: I bought it, I've made my husband day visit from you,

1319
01:02:04,280 --> 01:02:06,520
Speaker 6: Like the box. I was like, look what I did

1320
01:02:07,000 --> 01:02:09,480
Speaker 6: because I was really super proud of being able to

1321
01:02:09,800 --> 01:02:12,840
Speaker 6: do it and have money, which like I don't always

1322
01:02:13,080 --> 01:02:15,280
Speaker 6: to do that and make a big purchase.

1323
01:02:15,360 --> 01:02:18,040
Speaker 3: That felt like, well, this could be a real waste,

1324
01:02:18,520 --> 01:02:21,160
Speaker 3: but it wasn't. I love that for me.

1325
01:02:21,840 --> 01:02:24,120
Speaker 2: How do we see value the way you see value?

1326
01:02:24,360 --> 01:02:27,720
Speaker 2: So you just said before I was really proud of myself.

1327
01:02:27,760 --> 01:02:30,120
Speaker 2: You said, you know, I've made this investment in my

1328
01:02:30,360 --> 01:02:33,720
Speaker 2: future career. I feel like something that you know, I've

1329
01:02:33,760 --> 01:02:36,520
Speaker 2: struggled with historically, and a lot of people in our

1330
01:02:36,520 --> 01:02:39,000
Speaker 2: community have struggled with, is just being able to be

1331
01:02:39,080 --> 01:02:43,720
Speaker 2: proud of ourselves. Like there's this underlying feeling that maybe

1332
01:02:43,920 --> 01:02:46,680
Speaker 2: it's not enough. How do you get through that? Because

1333
01:02:46,720 --> 01:02:50,120
Speaker 2: I feel like you you know exude positivity and you're like,

1334
01:02:50,120 --> 01:02:51,880
Speaker 2: I'm so proud of myself. I've done this, Like this

1335
01:02:51,920 --> 01:02:55,640
Speaker 2: is sick, Like you took a photo with the MacBook box.

1336
01:02:56,000 --> 01:02:58,120
Speaker 2: How do I be that proud of myself? How do

1337
01:02:58,200 --> 01:03:01,040
Speaker 2: we be that proud of ourselves, like taking a step

1338
01:03:01,600 --> 01:03:03,240
Speaker 2: that we weren't entirely sure of.

1339
01:03:03,760 --> 01:03:06,240
Speaker 6: I mean, I think the reason that we don't feel

1340
01:03:06,240 --> 01:03:09,000
Speaker 6: that way is probably internalized.

1341
01:03:08,400 --> 01:03:11,240
Speaker 3: Capitalism, because we never feel like we're enough.

1342
01:03:11,520 --> 01:03:16,320
Speaker 6: And that's why people like Jeff Bezos exist and so.

1343
01:03:18,520 --> 01:03:20,360
Speaker 3: He exists. It's a fact. There's nothing I can do

1344
01:03:20,400 --> 01:03:22,600
Speaker 3: about it, or is there.

1345
01:03:24,240 --> 01:03:27,000
Speaker 6: I want to say, And I want to say this

1346
01:03:27,160 --> 01:03:29,880
Speaker 6: without sounding like I'm trying to turn it into a

1347
01:03:29,920 --> 01:03:34,480
Speaker 6: wittness'sm I'm not lower your standards around what you think

1348
01:03:34,600 --> 01:03:37,760
Speaker 6: is worthwhile and valuable, around what you think is worth

1349
01:03:37,800 --> 01:03:42,360
Speaker 6: your time, lower the expectations that you have that we're

1350
01:03:42,440 --> 01:03:44,200
Speaker 6: probably given to you as a child.

1351
01:03:44,280 --> 01:03:46,760
Speaker 3: And some of us would say we could talk more

1352
01:03:46,800 --> 01:03:48,160
Speaker 3: about it in therapy.

1353
01:03:48,400 --> 01:03:51,120
Speaker 6: About the reasons that we assign value to the things

1354
01:03:51,160 --> 01:03:54,760
Speaker 6: that we do that are so beyond day.

1355
01:03:54,640 --> 01:03:55,360
Speaker 2: To day life.

1356
01:03:56,320 --> 01:03:58,160
Speaker 3: This is a huge achievement.

1357
01:03:58,360 --> 01:04:02,320
Speaker 6: You wrote a book, You're on two fabulous shoes, thanks

1358
01:04:02,320 --> 01:04:05,640
Speaker 6: bab all achievements.

1359
01:04:05,000 --> 01:04:08,280
Speaker 2: But also many of the shoes, right, especially the shoes.

1360
01:04:08,520 --> 01:04:10,840
Speaker 3: I mean my chef's kiss.

1361
01:04:11,040 --> 01:04:12,600
Speaker 2: They do get a little bit foggy. I don't know

1362
01:04:12,600 --> 01:04:13,400
Speaker 2: if you can see my shoes.

1363
01:04:14,080 --> 01:04:19,600
Speaker 6: She's really alive, that she's not a bosch. And so

1364
01:04:20,520 --> 01:04:22,480
Speaker 6: I told you I was funny.

1365
01:04:23,200 --> 01:04:28,080
Speaker 3: They love me and you'll get your check at the end.

1366
01:04:28,560 --> 01:04:32,080
Speaker 6: So I think be able to fully comprehend that your

1367
01:04:32,200 --> 01:04:36,040
Speaker 6: joy has value, your time has value. What you care

1368
01:04:36,080 --> 01:04:39,960
Speaker 6: about is important. If it is important to you, it's important.

1369
01:04:40,920 --> 01:04:42,880
Speaker 6: The fact that other people will be like, oh, yeah,

1370
01:04:42,920 --> 01:04:44,320
Speaker 6: but do you have ten million dollars?

1371
01:04:44,560 --> 01:04:46,520
Speaker 3: No, and neither does a guy that hacked opt Us.

1372
01:04:46,400 --> 01:04:52,800
Speaker 4: So maybe soon though.

1373
01:04:54,520 --> 01:04:55,800
Speaker 2: He might though, although.

1374
01:04:59,280 --> 01:04:59,960
Speaker 4: That's what I think.

1375
01:05:00,760 --> 01:05:03,280
Speaker 2: We're going to see an issue of a statement from

1376
01:05:03,280 --> 01:05:05,400
Speaker 2: some kid where his mum's holding his ears.

1377
01:05:05,600 --> 01:05:08,640
Speaker 3: I have anyone in his rooms and the movie Hackers anyone?

1378
01:05:09,040 --> 01:05:11,760
Speaker 3: Yeah right. I feel like that guy watched Austin.

1379
01:05:11,440 --> 01:05:13,080
Speaker 6: Powers and The Hackers back to back because he was

1380
01:05:13,120 --> 01:05:15,040
Speaker 6: like one milliondler, isn't He's like no, no, no, no, no

1381
01:05:15,040 --> 01:05:15,560
Speaker 6: no no.

1382
01:05:16,720 --> 01:05:20,560
Speaker 2: I was joking. Here goes hey, don't joke about it.

1383
01:05:20,600 --> 01:05:23,440
Speaker 2: Our team are literally, I'm not. I'm not with Optis

1384
01:05:23,480 --> 01:05:26,560
Speaker 2: Nova Flex. I went with a cheaper carrier.

1385
01:05:27,760 --> 01:05:29,560
Speaker 3: I went with the most expensive one because I'm a dick.

1386
01:05:29,560 --> 01:05:32,160
Speaker 3: Any likes money, don't tell me.

1387
01:05:32,720 --> 01:05:36,560
Speaker 2: But some of our team are genuinely concerned about this.

1388
01:05:37,360 --> 01:05:41,200
Speaker 2: Is anyone else with optics, Like I'm yeah, okay, everyone's nodding. Oh,

1389
01:05:41,280 --> 01:05:46,080
Speaker 2: I mean sorry about that. Sorry about your data?

1390
01:05:46,240 --> 01:05:47,400
Speaker 3: Terrible news.

1391
01:05:47,840 --> 01:05:48,440
Speaker 4: Don't worry.

1392
01:05:48,720 --> 01:05:50,919
Speaker 2: Don't worry. We're going to do a bonus podcast really

1393
01:05:50,960 --> 01:05:53,400
Speaker 2: soon about like how to protect your data, because that's

1394
01:05:53,440 --> 01:05:54,680
Speaker 2: actually with four.

1395
01:05:54,560 --> 01:05:57,400
Speaker 3: Quick tips on how to protect the th Thank you.

1396
01:05:58,080 --> 01:05:58,880
Speaker 2: That was mis Jess.

1397
01:06:00,160 --> 01:06:02,440
Speaker 6: And I think it's really brilliant that they are like, here,

1398
01:06:02,480 --> 01:06:04,680
Speaker 6: have access to your credit file, and most people are like,

1399
01:06:04,720 --> 01:06:05,720
Speaker 6: what's a credit file?

1400
01:06:05,800 --> 01:06:07,160
Speaker 3: And I love that because.

1401
01:06:06,960 --> 01:06:11,520
Speaker 2: Hey, bring it to the mainstream, babes, come on down.

1402
01:06:11,800 --> 01:06:14,200
Speaker 2: But I think it's really important to talk about this stuff.

1403
01:06:14,280 --> 01:06:17,080
Speaker 2: And you know, our team are impacted by it as

1404
01:06:17,080 --> 01:06:20,040
Speaker 2: well as our community. And I guess that's the summary

1405
01:06:20,080 --> 01:06:22,840
Speaker 2: of it. Like you're cool. You're way cooler than I

1406
01:06:22,960 --> 01:06:25,480
Speaker 2: ever thought I could be, which I can't be. But

1407
01:06:25,520 --> 01:06:27,680
Speaker 2: you're just you, just you.

1408
01:06:28,360 --> 01:06:30,160
Speaker 3: Perst guys are really cool too.

1409
01:06:30,440 --> 01:06:33,120
Speaker 2: But no, but it's one of those things like we

1410
01:06:33,240 --> 01:06:37,360
Speaker 2: share common problems, like we share experiences, and I think

1411
01:06:37,440 --> 01:06:40,680
Speaker 2: sometimes when you see three people on a stage with

1412
01:06:40,720 --> 01:06:43,240
Speaker 2: some microphones, you go, oh, they must have their shit together.

1413
01:06:44,400 --> 01:06:47,680
Speaker 6: I probably wouldn't thought that until gave us the fancy champagne.

1414
01:06:48,080 --> 01:06:54,800
Speaker 2: Yeah, okay, would you say that you're someone who has

1415
01:06:54,840 --> 01:06:57,480
Speaker 2: their stuff together? Like I feel like socially, like we

1416
01:06:57,520 --> 01:07:00,440
Speaker 2: look at social media and you look like you have

1417
01:07:00,520 --> 01:07:01,400
Speaker 2: your stuff together.

1418
01:07:01,800 --> 01:07:08,600
Speaker 3: She doesn't watch my stories. I do. I'm a creep chaos.

1419
01:07:08,280 --> 01:07:11,760
Speaker 6: Stemen, a chaos demen, but with an attitude. I think

1420
01:07:11,800 --> 01:07:13,680
Speaker 6: that I don't have my stuff together? But who does

1421
01:07:14,480 --> 01:07:16,480
Speaker 6: people who say they've got it all sorted?

1422
01:07:16,920 --> 01:07:17,520
Speaker 3: Do you though?

1423
01:07:17,720 --> 01:07:20,240
Speaker 6: Because I feel like most of those people are men

1424
01:07:20,880 --> 01:07:25,120
Speaker 6: and they don't carry them mental load. Everything's under control?

1425
01:07:25,240 --> 01:07:25,560
Speaker 3: Or really?

1426
01:07:25,640 --> 01:07:31,600
Speaker 5: Is that because like your wife took care of it, brother, clap,

1427
01:07:36,560 --> 01:07:37,120
Speaker 5: you're not wrong.

1428
01:07:39,960 --> 01:07:41,240
Speaker 2: I saw a meme the other.

1429
01:07:41,120 --> 01:07:43,960
Speaker 6: Day the pretty much listen if the podcast will not

1430
01:07:44,040 --> 01:07:46,080
Speaker 6: understand the second LF I looked up as if I

1431
01:07:46,160 --> 01:07:48,360
Speaker 6: was walking at my omnipotent husband.

1432
01:07:49,160 --> 01:07:51,440
Speaker 2: You're pointing to people in the crowd. She's going to

1433
01:07:51,520 --> 01:07:53,000
Speaker 2: be the worst recording.

1434
01:07:54,080 --> 01:07:57,960
Speaker 6: Honestly, we'll have to do a like full image description of.

1435
01:07:57,920 --> 01:08:01,120
Speaker 2: The entire that's all right about it, We'll do it.

1436
01:08:01,160 --> 01:08:02,560
Speaker 3: Accessibility is the tits.

1437
01:08:04,680 --> 01:08:12,480
Speaker 2: Yeah, describe that.

1438
01:08:12,800 --> 01:08:14,080
Speaker 3: I can't wait came for.

1439
01:08:16,000 --> 01:08:20,200
Speaker 2: Because I'm sorry, and you're welcome if you came for

1440
01:08:20,320 --> 01:08:23,519
Speaker 2: genuine financial literacy. I feel like, just read the book,

1441
01:08:25,720 --> 01:08:27,960
Speaker 2: because that's this isn't what's in the book.

1442
01:08:29,520 --> 01:08:31,720
Speaker 3: I haven't. I've definitely read it.

1443
01:08:33,920 --> 01:08:36,439
Speaker 4: Before we let you go. I just wanted to talk

1444
01:08:36,479 --> 01:08:39,160
Speaker 4: a little bit more about kind of a place where

1445
01:08:39,200 --> 01:08:43,520
Speaker 4: your passion comes from, about visibility and diversity and accessibility

1446
01:08:43,560 --> 01:08:47,519
Speaker 4: and inclusivity, because I think like the big reason that

1447
01:08:47,560 --> 01:08:49,760
Speaker 4: we're talking about investing is so much is because we

1448
01:08:49,800 --> 01:08:52,000
Speaker 4: want that to be accessible, but there are so many

1449
01:08:52,000 --> 01:08:55,559
Speaker 4: other facets of life where that's not the case. And

1450
01:08:55,600 --> 01:08:58,000
Speaker 4: we were having a really good conversation about it backstage,

1451
01:08:58,000 --> 01:09:00,000
Speaker 4: and I thought, just before we wrap up, I would

1452
01:08:59,880 --> 01:09:02,519
Speaker 4: really like to share that with everybody because they think

1453
01:09:02,560 --> 01:09:07,200
Speaker 4: it really leans into having those open conversations regularly and

1454
01:09:07,280 --> 01:09:09,960
Speaker 4: normalizing it. And I think you have a really hot

1455
01:09:10,000 --> 01:09:12,000
Speaker 4: take to share with us, So I want to do

1456
01:09:12,040 --> 01:09:13,280
Speaker 4: it on stage, if that's all right.

1457
01:09:13,360 --> 01:09:13,639
Speaker 3: Sure.

1458
01:09:14,040 --> 01:09:15,880
Speaker 6: So I think what you're referring to is what we

1459
01:09:16,040 --> 01:09:19,280
Speaker 6: discussed about the fact that people who live in bigger bodies,

1460
01:09:19,360 --> 01:09:21,320
Speaker 6: or in my case, fat people because I'm not scared

1461
01:09:21,360 --> 01:09:25,560
Speaker 6: of the web fun are often excluded from financial opportunities.

1462
01:09:25,600 --> 01:09:28,400
Speaker 6: In the workplace, Almost fifty percent of employers have admitted

1463
01:09:28,400 --> 01:09:31,920
Speaker 6: that they hold a level of subconscious bias.

1464
01:09:31,800 --> 01:09:35,080
Speaker 3: Around hiring people who are, in their eyes, overweight. So

1465
01:09:35,120 --> 01:09:35,400
Speaker 3: there's a.

1466
01:09:35,439 --> 01:09:40,240
Speaker 2: Higher likelihood that people who are fat will get.

1467
01:09:40,760 --> 01:09:45,519
Speaker 6: Less employment opportunities, less promotion opportunities, will be considered less

1468
01:09:45,520 --> 01:09:49,599
Speaker 6: intelligent by their peers and superiors. And so I think

1469
01:09:49,720 --> 01:09:52,600
Speaker 6: we're talking about investment, and we're talking about money. The

1470
01:09:52,680 --> 01:09:55,920
Speaker 6: idea that we at the very core of even getting money,

1471
01:09:55,960 --> 01:09:57,960
Speaker 6: how do you get money to invest? You don't always

1472
01:09:58,080 --> 01:10:00,400
Speaker 6: have an inheritance or a lot of win or some

1473
01:10:00,479 --> 01:10:02,400
Speaker 6: other made up thing that you dream about when you're

1474
01:10:02,400 --> 01:10:07,960
Speaker 6: a kid that gives you instant bank account. Mario, buddy load,

1475
01:10:08,560 --> 01:10:11,960
Speaker 6: that's right, that noise when the Maria, you know when I'm.

1476
01:10:11,760 --> 01:10:13,040
Speaker 3: Not gonna do it, it's fine.

1477
01:10:13,400 --> 01:10:16,440
Speaker 6: And I think that the idea that we are already

1478
01:10:16,439 --> 01:10:19,360
Speaker 6: disadvantaged in that way, And I know that I'm thinking

1479
01:10:19,439 --> 01:10:22,080
Speaker 6: very about this particular niche of people because it's where

1480
01:10:22,200 --> 01:10:24,960
Speaker 6: I hang out being a fat brown person and a woman,

1481
01:10:25,520 --> 01:10:26,480
Speaker 6: a non man.

1482
01:10:26,840 --> 01:10:27,800
Speaker 4: Like the trithecta.

1483
01:10:27,960 --> 01:10:31,040
Speaker 3: Oh, I mean, oh, there's a lot of intersections. It's

1484
01:10:31,160 --> 01:10:32,040
Speaker 3: like a cobweb.

1485
01:10:32,280 --> 01:10:34,240
Speaker 6: There are as many intersections as there are people, and

1486
01:10:34,280 --> 01:10:37,880
Speaker 6: there are also in that same vein as many opportunities

1487
01:10:38,160 --> 01:10:41,040
Speaker 6: for someone to choose to I mean, if we're gonna

1488
01:10:41,040 --> 01:10:44,160
Speaker 6: talk red pill, blue pill, I guess that choice of

1489
01:10:44,479 --> 01:10:46,000
Speaker 6: will I give this person a chance because they're the

1490
01:10:46,000 --> 01:10:47,519
Speaker 6: best person for the job, or will I lean into

1491
01:10:47,520 --> 01:10:49,479
Speaker 6: my unconscious bias and just do what feels right or

1492
01:10:49,479 --> 01:10:51,240
Speaker 6: what I've been influenced to do by other people.

1493
01:10:51,280 --> 01:10:53,800
Speaker 3: Because people are like not all of them, but lots

1494
01:10:53,840 --> 01:10:54,639
Speaker 3: of them are terrible.

1495
01:10:55,160 --> 01:10:58,360
Speaker 6: Then I think we know that the opportunities for someone

1496
01:10:58,400 --> 01:11:02,599
Speaker 6: like me to become an at an age where I

1497
01:11:02,680 --> 01:11:08,960
Speaker 6: feel like I have a long future of stable financial

1498
01:11:09,600 --> 01:11:13,720
Speaker 6: confidence in what I've invested in is lowered instantly for

1499
01:11:13,840 --> 01:11:15,000
Speaker 6: me because.

1500
01:11:14,680 --> 01:11:16,040
Speaker 3: Of that simple factor.

1501
01:11:16,280 --> 01:11:19,240
Speaker 6: And it's not something that has any real effect on

1502
01:11:19,280 --> 01:11:21,400
Speaker 6: my ability to be a good employee or be someone

1503
01:11:21,439 --> 01:11:24,000
Speaker 6: worthwhile of earning the same amount of money as someone else,

1504
01:11:24,560 --> 01:11:27,040
Speaker 6: But in other people's lives, potentially it could be so

1505
01:11:27,080 --> 01:11:29,840
Speaker 6: I think it's important for us to recognize that conversations

1506
01:11:29,840 --> 01:11:33,920
Speaker 6: about investments start with money, and money starts with how

1507
01:11:33,920 --> 01:11:34,960
Speaker 6: you get money, and.

1508
01:11:34,920 --> 01:11:38,680
Speaker 3: That affects people differently. So I think that's something to

1509
01:11:38,760 --> 01:11:39,320
Speaker 3: keep in mind.

1510
01:11:39,320 --> 01:11:42,960
Speaker 6: And I think also the idea of our wealth, what

1511
01:11:43,040 --> 01:11:46,160
Speaker 6: we perceive to be wealth, when we have a slightly

1512
01:11:46,200 --> 01:11:48,879
Speaker 6: different view on that as well, what makes us wealthy?

1513
01:11:49,560 --> 01:11:53,120
Speaker 6: I think investing so that you have financial security is

1514
01:11:53,120 --> 01:11:55,400
Speaker 6: a key part of that, a cornerstone of that, because

1515
01:11:55,720 --> 01:11:57,799
Speaker 6: that allows you to be able to be more flexible

1516
01:11:57,800 --> 01:12:00,639
Speaker 6: with the other ways that you spend money, spend time

1517
01:12:00,720 --> 01:12:01,880
Speaker 6: and effort and energy.

1518
01:12:02,080 --> 01:12:04,120
Speaker 4: Yeah, and you're so right, Like we talk about how

1519
01:12:04,160 --> 01:12:06,880
Speaker 4: women are behind the eight ball financially, and we know

1520
01:12:07,000 --> 01:12:09,880
Speaker 4: that the statistics show us that, but we don't talk

1521
01:12:09,880 --> 01:12:13,639
Speaker 4: about enough how women of color are two steps behind again,

1522
01:12:14,000 --> 01:12:16,479
Speaker 4: and we don't even have as much data to back

1523
01:12:16,520 --> 01:12:18,719
Speaker 4: that up, because when we do the research to find

1524
01:12:18,760 --> 01:12:21,839
Speaker 4: that out, the data doesn't break it down that deeply,

1525
01:12:22,160 --> 01:12:26,120
Speaker 4: and it becomes even harder to then identify these nuances

1526
01:12:26,160 --> 01:12:29,680
Speaker 4: within society where people are not receiving the same advantages

1527
01:12:29,680 --> 01:12:31,280
Speaker 4: and they can't get as far ahead, and then it

1528
01:12:31,320 --> 01:12:35,360
Speaker 4: feeds into a narrative of oh, well, maybe it's your fault,

1529
01:12:35,400 --> 01:12:37,120
Speaker 4: maybe it's something that you did or a choice that

1530
01:12:37,160 --> 01:12:39,800
Speaker 4: you made. And I think that it's really hard to

1531
01:12:39,880 --> 01:12:42,400
Speaker 4: overcome that I don't have an answer, and I wish

1532
01:12:42,479 --> 01:12:44,240
Speaker 4: that I did. And as I'm speaking, I'm like, well,

1533
01:12:44,960 --> 01:12:47,280
Speaker 4: where's the nice bow on the end of this where

1534
01:12:47,320 --> 01:12:49,320
Speaker 4: you say, well, this is how we fix that? And

1535
01:12:49,400 --> 01:12:51,080
Speaker 4: I don't think that there is one, but I think

1536
01:12:51,120 --> 01:12:53,919
Speaker 4: people like April who are talking about it so vocally,

1537
01:12:54,400 --> 01:12:57,360
Speaker 4: and people like us who continue to have those conversations

1538
01:12:57,400 --> 01:12:59,679
Speaker 4: and showing the spotlight on I think it's really important

1539
01:12:59,720 --> 01:13:02,960
Speaker 4: because in a dream world, we'd all have everything that

1540
01:13:03,000 --> 01:13:06,639
Speaker 4: we want and that bias wouldn't impact those decisions and

1541
01:13:07,080 --> 01:13:09,599
Speaker 4: the employer would hire the best person for the job.

1542
01:13:09,960 --> 01:13:13,040
Speaker 4: And it sucks that some people have to fight harder

1543
01:13:13,080 --> 01:13:15,760
Speaker 4: and longer the less. And I don't know what the

1544
01:13:15,800 --> 01:13:18,800
Speaker 4: answer to that is, but I like to think that

1545
01:13:18,840 --> 01:13:20,759
Speaker 4: everyone being here and everyone talking about it is helping

1546
01:13:20,960 --> 01:13:21,800
Speaker 4: at least a little bit.

1547
01:13:21,960 --> 01:13:25,559
Speaker 6: Absolutely, And I think that being able to have a

1548
01:13:25,640 --> 01:13:28,120
Speaker 6: thought that you couldn't have before because you didn't have

1549
01:13:28,160 --> 01:13:30,440
Speaker 6: any knowledge, understanding or experience.

1550
01:13:31,040 --> 01:13:32,479
Speaker 3: You know, when we think.

1551
01:13:32,320 --> 01:13:36,120
Speaker 6: About like we talked just briefly about accessibility. When that's

1552
01:13:36,160 --> 01:13:38,600
Speaker 6: something that comes into your mind because it's part of

1553
01:13:38,640 --> 01:13:42,920
Speaker 6: how you live, that's better, that's better than it was,

1554
01:13:43,479 --> 01:13:47,320
Speaker 6: and that like miles to go before we sleep. But still,

1555
01:13:48,120 --> 01:13:50,599
Speaker 6: when we're thinking about the ways that we can ensure

1556
01:13:50,680 --> 01:13:53,639
Speaker 6: that we are doing the most, we will do more.

1557
01:13:53,840 --> 01:13:55,479
Speaker 3: And when you know better, you do better.

1558
01:13:56,439 --> 01:13:59,320
Speaker 2: I love that. I feel like this is arguably a

1559
01:13:59,560 --> 01:14:03,719
Speaker 2: perfect place to leave this because from my perspective, same

1560
01:14:03,720 --> 01:14:06,559
Speaker 2: as you, just like, there is no like golden egg

1561
01:14:06,880 --> 01:14:09,920
Speaker 2: and answer to this. But I think small steps are

1562
01:14:09,960 --> 01:14:13,080
Speaker 2: still steps in the right direction. And if we all,

1563
01:14:13,160 --> 01:14:15,880
Speaker 2: I guess, commit to doing the best we possibly can,

1564
01:14:16,439 --> 01:14:19,920
Speaker 2: that's all we can really ask of people, because you, again,

1565
01:14:19,960 --> 01:14:21,880
Speaker 2: you just don't know what you don't know when it

1566
01:14:21,920 --> 01:14:24,840
Speaker 2: comes to accessibility, Like I have learned so much in

1567
01:14:24,880 --> 01:14:28,200
Speaker 2: the last twelve months just even introducing events to our

1568
01:14:28,240 --> 01:14:31,960
Speaker 2: community where you know, I have these beautiful community members

1569
01:14:31,960 --> 01:14:35,760
Speaker 2: that need different accessibility and I want to provide it.

1570
01:14:36,280 --> 01:14:39,920
Speaker 2: But the idea that that's not stock standard blows my mind.

1571
01:14:40,560 --> 01:14:43,120
Speaker 2: So yeah, I think let's wrap it up here. You

1572
01:14:43,120 --> 01:14:45,439
Speaker 2: know how, at the end of every single podcast, we

1573
01:14:45,520 --> 01:14:47,760
Speaker 2: like wrap the boring, but important stuff. Do you guys

1574
01:14:47,760 --> 01:14:48,960
Speaker 2: want us to do it now? Or do you want

1575
01:14:49,000 --> 01:14:51,439
Speaker 2: us to like wait until after we do it? Now?

1576
01:14:52,560 --> 01:14:52,960
Speaker 2: Do it now?

1577
01:14:53,120 --> 01:14:53,280
Speaker 4: Yes?

1578
01:14:54,280 --> 01:14:58,559
Speaker 2: Yes, she thought, she was like, oh, we'll just record

1579
01:14:58,560 --> 01:15:01,120
Speaker 2: that later in Joperty in the all right, all right,

1580
01:15:01,560 --> 01:15:03,120
Speaker 2: wrap the boring but important stuff.

1581
01:15:03,240 --> 01:15:06,479
Speaker 4: All right, everybody, please don't forget the advice shared on Cheese.

1582
01:15:06,479 --> 01:15:08,479
Speaker 4: On the Money is general in nature and does not

1583
01:15:08,680 --> 01:15:12,639
Speaker 4: consider your individual circumstances. She's on the money exists purely

1584
01:15:12,680 --> 01:15:15,479
Speaker 4: for educational purposes and should not be relied upon to

1585
01:15:15,479 --> 01:15:18,679
Speaker 4: make an investment or a financial decision. And we promise.

1586
01:15:18,840 --> 01:15:23,120
Speaker 4: Victoria Divine is an authorized representative of Infocused Securities Australia

1587
01:15:23,160 --> 01:15:24,160
Speaker 4: Proprietary Limited.

1588
01:15:25,640 --> 01:15:27,360
Speaker 3: Three four three.

1589
01:15:27,160 --> 01:15:29,639
Speaker 2: Two four six three zero five seven.

1590
01:15:29,680 --> 01:15:33,200
Speaker 4: Oh I knew there was a seven. I really didn't

1591
01:15:33,560 --> 01:15:34,400
Speaker 4: not putting that on there.

1592
01:15:34,920 --> 01:15:37,719
Speaker 2: I help, did I helped?

1593
01:15:37,800 --> 01:15:38,120
Speaker 4: Guys.

1594
01:15:38,439 --> 01:15:41,320
Speaker 2: I cannot believe that all my best friends came to

1595
01:15:41,400 --> 01:15:44,800
Speaker 2: hang out with us in Sydney, Like, stop laughing, it's

1596
01:15:44,840 --> 01:15:48,360
Speaker 2: not funny, but I'm genuinely so grateful that you all

1597
01:15:48,400 --> 01:15:51,320
Speaker 2: came to come to an investing book launch, like.

1598
01:15:51,840 --> 01:15:54,560
Speaker 3: Blame you nothing else?

1599
01:15:56,680 --> 01:15:57,479
Speaker 2: Are you are right?

1600
01:15:58,400 --> 01:16:00,439
Speaker 4: And on that note, thank you, so very much for

1601
01:16:00,520 --> 01:16:02,520
Speaker 4: joining us. We hope to see a bunch of you outside.

1602
01:16:02,560 --> 01:16:04,479
Speaker 4: Thank you, April, and thank you