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Speaker 1: My name is Satasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana,

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Speaker 1: Kaka yah y and Binahaka Nian our gay In Mbini,

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Speaker 1: yakarum jar dominyamiga Umaga Ihowaka nilewaman damind Immlan, Bumba bang

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Speaker 1: gadaboma in and now in wakah ghana on yakarum jar Watnadaa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank acknowledge and respect the Abiginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: that lets you reapa you about other people's money habits

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Speaker 3: for educational purposes, of course. Welcome back to one of

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Speaker 3: our money diaries, brought to you by our friends at

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Speaker 3: Sky Wells, where I get the absolute privilege of sitting

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Speaker 3: down with one of our incredible She's on the money

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Speaker 3: community members and talking to them all about their journey.

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Speaker 3: Let's jump straight into it, because this week I got

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Speaker 3: a message and it sounded exactly like this high She's

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Speaker 3: on the money. Buckle up. I thought I had my

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Speaker 3: future secured, a new home, a wedding, and a life

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Speaker 3: with my fiance. While I was in the thick of

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Speaker 3: a six month stint of my master's placement. He walked

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Speaker 3: out on a random Tuesday, leaving me to sell our

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Speaker 3: house and cancel a wedding that was only six months away.

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Speaker 3: I lost over thirty thousand dollars in wedding deposits and

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Speaker 3: almost everything I had spent six years saving for. It

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Speaker 3: was the world's most expensive lesson in why you should

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Speaker 3: never consolidate your finances with a man without a backup plan.

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Speaker 3: But I rebuilt. Since then, I've secured graduate roles, built

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Speaker 3: a successful career, and achieved financial independence. Today I earn

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Speaker 3: more than ever, with over one hundred and fifty thousand

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Speaker 3: dollars saved and twenty grand invested, all in my own name.

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Speaker 3: Money dorist be so for real?

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Speaker 2: It is crazy? What the heck? How? How when where

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Speaker 2: like oh so many questions. It's so funny like listening

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Speaker 2: to that and thinking, oh, that was my life at

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Speaker 2: one point. It's just wild.

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Speaker 3: And you know what, I know that you were probably

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Speaker 3: so excited to marry that man because like, you know,

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Speaker 3: that was what you were working towards. But now you

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Speaker 3: look back on it, you're like, thank god he walked out,

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Speaker 3: Like thank god.

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Speaker 2: Yeah, it's so funny, like thinking when you're in it,

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Speaker 2: it's just your whole world's kind of like crumbling. You're

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Speaker 2: in almost like a black hole, being swallowed by the world,

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Speaker 2: and then you come out of it and you're like, oh, Okay,

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Speaker 2: everything happens for a reason.

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Speaker 3: Yeah, that's crazy. Al Right, let's jump into it. First question,

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Speaker 3: I've got money, Darist. What grade would you give your

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Speaker 3: money habits? If I asked you to give them a grade.

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Speaker 2: I would probably say I'd be a bee no plus.

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Speaker 1: No.

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Speaker 3: Girl, you've got one hundred and fifty grand saved after

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Speaker 3: you kicked some men to the curb. And I know

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Speaker 3: he quote walked out, but like, I just feel like

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Speaker 3: he's the one missing out here. Tell me a little

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Speaker 3: bit more about your money story, though. I want the

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Speaker 3: nitty gritty and the things that impacted it.

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Speaker 2: Yeah, So, I mean my money story, I guess starts

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Speaker 2: like anyone else's money wasn't really spoken about growing up,

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Speaker 2: but like we had it. It wasn't you know. We

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Speaker 2: weren't fighting for our lives or anything like that. We

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Speaker 2: were very lucky. Me and my sister went to a

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Speaker 2: prestigious private school around the area. And I remember like

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Speaker 2: seeing my parents, you know, kind of where the same

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Speaker 2: winter woolies for years and years and years. And I

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Speaker 2: remember having a conversation. I was just going into year eleven,

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Speaker 2: and I said, you know, I don't really want to

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Speaker 2: be here anymore, Like I'm sick of the school. I

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Speaker 2: don't really. I was very different to everybody else, I

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Speaker 2: guess because I couldn't do the things that they were

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Speaker 2: all doing. We didn't really have the money for it.

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Speaker 2: But I remember my parents saying, you know, if there's

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Speaker 2: anything that we can give you in life, you know,

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Speaker 2: we won't give you a brand new car. We're not

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Speaker 2: going to be able to give you a deposit for

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Speaker 2: a house or anything like that, but we want to

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Speaker 2: give you a good education. And looking back on it now,

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Speaker 2: I'm thinking, like those were their values. You know, it

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Speaker 2: was good like we we got a good education, we

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Speaker 2: got a good upbringing. We never struggled, but we also

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Speaker 2: never really saw the extent of it either. Like I

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Speaker 2: know that money was there, but then it wasn't there,

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Speaker 2: but then it was there again. So I guess I

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Speaker 2: kind of always had that growing up, like I needed

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Speaker 2: to hold onto money. So I got a job very

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Speaker 2: very early. I think I was thirteen when I got

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Speaker 2: my first job at Donut King.

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Speaker 3: Yeah, very cool.

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Speaker 2: I was making like eight dollars an hour or something ridiculous.

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Speaker 3: Yeah, but also like donut King's cool, like that being

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Speaker 3: a first job, Like I think I would have thought

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Speaker 3: that you were the coolest kid at school.

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Speaker 2: I have unlimited cinnamon donuts. Might see a good deal,

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Speaker 2: great deal, it was quite good. But yeah, no, I've

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Speaker 2: never been out of a job since. So I've always

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Speaker 2: kind of held onto my money. I've always saved and

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Speaker 2: I did like end up, you know, buying my first car,

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Speaker 2: achieving all the things that I kind of wanted to do.

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Speaker 2: And then I had met my ex partner when I

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Speaker 2: was about eighteen, so I was fresh out of school,

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Speaker 2: just a baby. Yeah, I was really little. He was

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Speaker 2: twenty at the time, so we only had a two

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Speaker 2: year age gap, and I had taken the gap year

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Speaker 2: to just kind of work a little bit. I was

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Speaker 2: a bit burned out after you know, the end time

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Speaker 2: of school, like my school experience. So I was working,

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Speaker 2: and I remember we sat down and it was probably

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Speaker 2: from this point on, money kind of became a conversation

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Speaker 2: that we would have quite often, so it was very

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Speaker 2: embedded into our relationships, which was, I guess a good thing,

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Speaker 2: but also turned out to be a bad thing towards

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Speaker 2: the end because the focus was just always on money.

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Speaker 2: And we sat down and I was saying, you know,

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Speaker 2: I really want to buy an investment property, Like that's

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Speaker 2: what I want to do. That's my next kind of goal.

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Speaker 2: And he had said, well, you know, like you were

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Speaker 2: just a baby.

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Speaker 4: Yeah I was.

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Speaker 2: I guess I just wanted to Like I keep saying that,

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Speaker 2: but you were so.

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Speaker 3: Young, and you're like, Nope, I want to buy an

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Speaker 3: investment property. That's my goal. Like to me, that's crazy

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Speaker 3: in the best possible way.

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Speaker 2: Yeah, I think I had big dreams, I had big

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Speaker 2: goals and I was just really motivated. So yeah, he said, oh, well,

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Speaker 2: let's just let's do it together. And I said, okay, Yeah,

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Speaker 2: I could do that. He's like, why would you buy

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Speaker 2: an apartment when you can buy a house, Like we

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Speaker 2: can go in together, we can it could be great.

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Speaker 2: So we did.

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Speaker 3: We saved, and like in theory, that makes sense if

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Speaker 3: you were going to be together forever. Like when my husband,

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Speaker 3: you know, was my boyfriend and he suggested that we

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Speaker 3: buy a house together, I was like, yeah, great, I

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Speaker 3: would love to, Like I didn't question it, and I.

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Speaker 2: Think like growing up, like my parents never had like

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Speaker 2: his money, her money, so it was just like normal

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Speaker 2: to have, you know, Okay, yeah, we'll consolidate all of

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Speaker 2: our savings. We'll you know, spend the money that we

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Speaker 2: earned together, like it's not separate. So that's what we did.

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Speaker 2: We consolidated our finances and we were saving for a

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Speaker 2: house and COVID hit, so he had ended up moving

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Speaker 2: into my parents' house. I think like everyone kind of

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Speaker 2: did at the time, and then we pretty much saved.

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Speaker 2: So I went back to UNI after my gap year

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Speaker 2: and I did my undergraduate. I had two jobs at

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Speaker 2: the time, just kind of like trying to save, and

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Speaker 2: I always felt like the owners was on me. So

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Speaker 2: even though he was making quite a bit more than me,

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Speaker 2: he had his own business. He was a tradee. There

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Speaker 2: was always the owners was on me. I needed to

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Speaker 2: put money in, I needed to, you know, still have

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Speaker 2: money to spend at the end of the week. I

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Speaker 2: couldn't ask him for money type of thing, if that

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Speaker 2: makes sense. So yes, I always felt like I had

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Speaker 2: to work and I was just doing ridiculous hours, Like

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Speaker 2: I was working at a pub during my time at UNI,

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Speaker 2: So I would work from five o'clock in the afternoon

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Speaker 2: to three o'clock in the morning, go to UNI, come home,

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Speaker 2: do the same thing again.

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Speaker 3: Oh my goodness.

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Speaker 2: And that was just to save as much money as

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Speaker 2: I possibly could, you know. So anyways, we ended up

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Speaker 2: getting engaged, and I think you just always have like

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Speaker 2: this gut feeling right like we were having problems before,

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Speaker 2: just like anyone else in a relationship. Black problems exist,

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Speaker 2: And just before we had got engaged, I remember just

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Speaker 2: thinking to myself, like, I don't know if I really

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Speaker 2: want to be with this person for the rest of

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Speaker 2: my life. Awkward, Yeah, very awkward because within like two

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Speaker 2: weeks after that, he had proposed to me. So we

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Speaker 2: went on this really extravagant overseas died.

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Speaker 3: What do you do at that point.

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Speaker 2: Yeah, literally, I'm like, oh, okay, so I'm not going

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Speaker 2: to say no obviously, you Like, I think there was

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Speaker 2: just a very long period of my life between when

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Speaker 2: I guess from when we got engaged to when we

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Speaker 2: had split, where it was just constantly, like my gut

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Speaker 2: saying no. But it was always going to get better,

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Speaker 2: you know, like we'll get engaged, it'll get better. We'll

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Speaker 2: buy a house, it'll get better, we'll get married, it'll

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Speaker 2: get better. Kind of never got better. So, yes, we

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Speaker 2: got engaged, and then I had started my master's degree,

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Speaker 2: which was really really intense. It was four days a

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Speaker 2: week from eight o'clock to four pm. Goodness, So it

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Speaker 2: was practically a full time job almost.

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Speaker 3: Yeah, yeah, of course. So and just like so mentally

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Speaker 3: demanding as well, Like I think people are quite like

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Speaker 3: that's not the worst thing in the world, but it's

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Speaker 3: also just like you're constantly trying to like jump hoops

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Speaker 3: and learn new tasks. It's not like going to work

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Speaker 3: nine to five mon day to Friday and you know

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Speaker 3: how to do those tasks. Like you are consistently learning

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Speaker 3: something new and your brain is just get overloaded. As

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Speaker 3: someone who's been there, I get it.

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Speaker 2: Yeah, there were so many times I was just thinking,

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Speaker 2: I don't want to do this anymore, Like I just

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Speaker 2: I don't have the brain capacity to do it. But

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Speaker 2: I always wanted to do it. And my professions the

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Speaker 2: type of profession where if you don't have your master's degree,

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Speaker 2: you don't have anything, like you can't get a credit

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Speaker 2: unless you have your master's degree. So I had to

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Speaker 2: do it. So I would, you know, go to UNI,

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Speaker 2: come home from UNI, and then go work a five

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Speaker 2: to three shift at the pub, and then do it

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Speaker 2: all over again. And he had said to me, all right,

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Speaker 2: times right, we're getting married in I think it was

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Speaker 2: probably a year out. We need to buy a house.

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Speaker 2: So again that like gut feeling, I don't really want

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Speaker 2: to do it, but we did it anyways. I didn't

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Speaker 2: want to do it only because the second half of

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Speaker 2: my degree I had to go and do six months

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Speaker 2: of clinical placement and then six months of a thesis

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Speaker 2: as well, So I kind of again had the feeling

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Speaker 2: of I'm going to have to really work hard. The

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Speaker 2: onus was on me again. I always felt like I

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Speaker 2: had to pay. He never, you know, would I guess

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Speaker 2: offer to pay for anything. So I was thinking okay,

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Speaker 2: we'll do it. I'll just manage, like I'll just save

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Speaker 2: it is what it is. So we did, We bought

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Speaker 2: the house. We went away on a holiday, and I

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Speaker 2: think things were quite rocky at the time when away

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Speaker 2: on a holiday, came back and he had said that

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Speaker 2: he was going to leave, and this was just like

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Speaker 2: a constant kind of thing, and this time I just said,

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Speaker 2: you know what, just go, like, just go.

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Speaker 3: Like was that something where he was just lauding that

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Speaker 3: over your head like if you had a fight, he'd

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Speaker 3: be like, oh, break up with you kind of viable,

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Speaker 3: Like yeah, like what did that look like?

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Speaker 2: We would have a fight and that would just the

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Speaker 2: bags would come out and it's I'm going and i'd

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Speaker 2: you know, sit there and go, no, don't leave, Please,

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Speaker 2: don't leave me, and then yeah, I love you.

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Speaker 3: I'm you know, diluted, and also just know.

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Speaker 2: What, I know, Yeah, I think I just got to

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Speaker 2: the point where I was like, you know what, I

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Speaker 2: just I don't care anymore. Just go. Yeah. So he did.

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Speaker 2: He left. Funnally enough, came back not that long after,

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Speaker 2: and we were fined for months. We were good. We

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Speaker 2: worked things out, you know, our wedding was only six

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Speaker 2: months away, like, you know, it was all happening. It

247
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Speaker 2: was I had spent thirty thousand dollars of my own

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Speaker 2: money for the deposits on the wedding. He didn't spend

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Speaker 2: a cent. It was all wine.

250
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Speaker 3: Why wasn't he putting cash into this? Like where was

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Speaker 3: his contribution and why wasn't that being questioned? So he

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Speaker 3: owned his own business, so it was the business money,

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Speaker 3: and then it was our money, and that was it.

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Speaker 2: Does that make sense?

255
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Speaker 3: Yes, I kind of get it, But also like, why

256
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Speaker 3: wasn't money being taken out of the business for his contributions?

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Speaker 2: It just never was. It was just never spoken about.

258
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Speaker 2: It was never an option.

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Speaker 3: I'm always so suspicious.

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Speaker 2: Yeah it was. It was never an option. It was

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Speaker 2: just like that was the way that it was, you know.

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Speaker 2: So I did end up spending quite a bit of

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Speaker 2: money on that wedding. And then yeah, he messaged me

264
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Speaker 2: on a Tuesday morning. I remember being in the thick

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Speaker 2: of placement and it was so exhausting as well, because

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Speaker 2: again I was working, and then pretty much my Friday, Saturday, Sundays,

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Speaker 2: I was working again, so I just didn't get a break,

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Speaker 2: and the first half the week was unpaid anyway, so

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Speaker 2: I wasn't making any money, and it was all just

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Speaker 2: going to the house, going to the house, going to

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Speaker 2: the house. I had no money at this point. After

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Speaker 2: the deposit was paid for the house, our payments started

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Speaker 2: coming out for the house, and then all my money

274
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Speaker 2: was gone to the wedding. I really had nothing. I

275
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Speaker 2: had an emergency fund, which was, I guess a good thing,

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Speaker 2: but that was only five thousand dollars and it didn't

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Speaker 2: really get me too far. I remember getting that message

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Speaker 2: and I looked at my phone and I just ignored it,

279
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Speaker 2: and I thought, I'm not dealing with this right now.

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Speaker 2: The message said, I'm packing my bags. I'll be gone

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Speaker 2: by this afternoon. Take care of canceling the wedding, and

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Speaker 2: take care of the sale of the house.

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Speaker 3: Where was this man going, Like, why did he get

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Speaker 3: to walk out? What's going on here? I'm very confused

285
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Speaker 3: about his audacity.

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Speaker 2: Well, at this point, I don't know. I was blindsided

287
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Speaker 2: to this. I still don't really understand it. I don't

288
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Speaker 2: understand the capacity.

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Speaker 3: I have never explained it.

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Speaker 2: No, he just left.

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Speaker 3: He just said I'm done. I'm leaving. Also, all of

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Speaker 3: this is up to you now.

293
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Speaker 2: I mean, the dots kind of connected after the fact,

294
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Speaker 2: but yes, at the time, just walked out and I

295
00:14:17,160 --> 00:14:20,200
Speaker 2: said that's fine, Like, I'll see you when I get

296
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Speaker 2: home and then you can go on your way whatever

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Speaker 2: you want to do. You want to do, So, yeah,

298
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Speaker 2: got home. He asked where the ring was. I told

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Speaker 2: him he took that, and then he said, are you

300
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Speaker 2: able to deal with the wedding and also deal with

301
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Speaker 2: the sale of the house. And I said, well no,

302
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Speaker 2: I was already embarrassed. Obviously we were so close to

303
00:14:40,680 --> 00:14:43,640
Speaker 2: the you know, the wedding happening. Everyone was excited for

304
00:14:43,760 --> 00:14:46,960
Speaker 2: this big wedding. And I said, well, no, you can

305
00:14:47,000 --> 00:14:51,280
Speaker 2: message all the vendors and cancel it and I'll deal

306
00:14:51,320 --> 00:14:53,160
Speaker 2: with the sale of house. That's fine. I'm happy to

307
00:14:53,200 --> 00:14:56,320
Speaker 2: deal with that. And yeah, I think the sale of

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00:14:56,360 --> 00:14:59,720
Speaker 2: the house probably took about six months to sell. And

309
00:14:59,840 --> 00:15:03,000
Speaker 2: he I wanted to settle on thirty thousand dollars less

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Speaker 2: than what we paid for it, just to kind of

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Speaker 2: get it out of the way. And again I said no,

312
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Speaker 2: Like he had ruled my life for a very long time.

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Speaker 2: We were together for six years. Yeah, he had ruled

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Speaker 2: my life and had to say in so much of

315
00:15:15,280 --> 00:15:17,920
Speaker 2: my life for all that time. He wasn't getting a

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00:15:18,000 --> 00:15:20,800
Speaker 2: say in this, and I wasn't going to lose the

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Speaker 2: money that I had saved my whole entire life, or

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Speaker 2: like it just wasn't happening.

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Speaker 3: I'm so proud of you for maintaining that, because it

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00:15:27,360 --> 00:15:29,880
Speaker 3: would have been so easy to just be like fine,

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Speaker 3: get out, like.

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Speaker 2: Yeah, yeah, well, there was definitely times where I was thinking,

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Speaker 2: like I just want it gone and I want to

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Speaker 2: finish it. But I ended up sticking to my guns,

325
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Speaker 2: and we did end up selling it for a little

326
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Speaker 2: bit more than what we paid, but I pretty much

327
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Speaker 2: just got Yeah, I just got kind of what I

328
00:15:47,160 --> 00:15:49,480
Speaker 2: had walked in with. So I did end up losing

329
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Speaker 2: out of money in that sense in terms of like

330
00:15:52,400 --> 00:15:56,000
Speaker 2: prepaying the mortgage, etc. But I did end up getting

331
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Speaker 2: that money back because at the time I had literally nothing.

332
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Speaker 2: I was doing a six month place and I had

333
00:16:00,680 --> 00:16:03,200
Speaker 2: nothing to my name, and I had burnt through my

334
00:16:03,400 --> 00:16:07,400
Speaker 2: emergency savings so quick. So it was kind of good

335
00:16:07,400 --> 00:16:08,720
Speaker 2: to see that money and cut the ties.

336
00:16:08,880 --> 00:16:12,760
Speaker 3: Yeah, totally, but yes, but also just like what the

337
00:16:12,880 --> 00:16:15,880
Speaker 3: heck is going through this man's mind, Like, don't get

338
00:16:15,960 --> 00:16:18,520
Speaker 3: me wrong, like clearly things weren't perfect, but to just

339
00:16:18,880 --> 00:16:21,000
Speaker 3: pull the pin and be like you have to deal

340
00:16:21,120 --> 00:16:23,440
Speaker 3: with this to me is like low caig phrazy.

341
00:16:23,920 --> 00:16:27,080
Speaker 2: Yeah. I mean again to this day, I don't know

342
00:16:27,200 --> 00:16:30,040
Speaker 2: and I'll never know. I mean, you know, he did

343
00:16:30,160 --> 00:16:31,200
Speaker 2: end up moving in Have.

344
00:16:31,280 --> 00:16:33,840
Speaker 3: You speculated is there someone else? Like that's the first

345
00:16:33,920 --> 00:16:34,480
Speaker 3: thing I thought of.

346
00:16:34,680 --> 00:16:37,600
Speaker 2: Yeah, So he was actually living in my family home.

347
00:16:37,720 --> 00:16:40,200
Speaker 2: So we had bought the house with the I guess

348
00:16:40,640 --> 00:16:42,560
Speaker 2: assumption that we were going to move into it, and

349
00:16:42,600 --> 00:16:45,760
Speaker 2: we got the first home buyers grant yep, so we

350
00:16:45,840 --> 00:16:47,960
Speaker 2: didn't move into it. We were thinking, okay, on the

351
00:16:48,000 --> 00:16:51,480
Speaker 2: eleventh kind of month, we can move into it and

352
00:16:51,920 --> 00:16:55,160
Speaker 2: not have to pay stamp duty. So that was the plan.

353
00:16:55,600 --> 00:16:57,280
Speaker 2: So we were living at my parents' house because you know,

354
00:16:57,320 --> 00:16:59,600
Speaker 2: we were obviously kind of saving for a wedding, paying

355
00:16:59,640 --> 00:17:01,600
Speaker 2: for them all. I was also on placement as well,

356
00:17:01,800 --> 00:17:03,600
Speaker 2: and that man was never going to give me crazy,

357
00:17:03,800 --> 00:17:05,200
Speaker 2: he was never going to give me money to like

358
00:17:05,359 --> 00:17:09,840
Speaker 2: survive or anything. So about two months later, I want

359
00:17:09,880 --> 00:17:13,520
Speaker 2: to say, he ended up moving out of his mom's

360
00:17:13,600 --> 00:17:19,480
Speaker 2: home into his now girlfriend's family home as well. So interesting,

361
00:17:20,960 --> 00:17:22,880
Speaker 2: it's just like the cycle repeats.

362
00:17:23,200 --> 00:17:26,119
Speaker 3: Yeah that I was like, what's going on here? Like

363
00:17:26,200 --> 00:17:28,320
Speaker 3: how is this working? Because like there has to be

364
00:17:28,440 --> 00:17:30,280
Speaker 3: something going on in the background for that to have

365
00:17:30,400 --> 00:17:33,200
Speaker 3: been like such a clean like not clean, but like

366
00:17:33,359 --> 00:17:35,320
Speaker 3: for him to be like, all right, I'm done full stop.

367
00:17:35,640 --> 00:17:39,000
Speaker 3: If you'd gone back and forth for so long, like yeah, oh,

368
00:17:40,040 --> 00:17:41,320
Speaker 3: why are they like this?

369
00:17:42,160 --> 00:17:44,480
Speaker 2: I don't know. I don't know. Look, honestly, it's just

370
00:17:45,240 --> 00:17:48,320
Speaker 2: it's probably the biggest blessing in disguise. I remember being

371
00:17:48,720 --> 00:17:49,600
Speaker 2: a thousand.

372
00:17:49,320 --> 00:17:51,840
Speaker 3: Percent like you've dodged a bullet. But tell me a

373
00:17:51,880 --> 00:17:56,000
Speaker 3: little bit more about this concept of you losing all

374
00:17:56,119 --> 00:17:59,639
Speaker 3: of this, like you know, deposit money, but him not

375
00:17:59,720 --> 00:18:01,679
Speaker 3: having to recoup that. Did you ever say all right,

376
00:18:01,720 --> 00:18:03,639
Speaker 3: well you owe me half or did you just let

377
00:18:03,720 --> 00:18:05,480
Speaker 3: it go like what happened there?

378
00:18:05,800 --> 00:18:08,600
Speaker 2: I honestly, there was so much back and forth and

379
00:18:08,720 --> 00:18:12,719
Speaker 2: he was always right where it was just like exhausting

380
00:18:12,840 --> 00:18:15,680
Speaker 2: to me. I didn't even bother with it, like he

381
00:18:15,880 --> 00:18:17,639
Speaker 2: was always right no matter what I said, he was

382
00:18:17,680 --> 00:18:20,480
Speaker 2: always right. I didn't want to get like mediation. I

383
00:18:20,520 --> 00:18:22,480
Speaker 2: didn't want to have to go into depth with everything.

384
00:18:22,560 --> 00:18:25,120
Speaker 2: I was willing to just cut my losses and leave

385
00:18:25,280 --> 00:18:28,560
Speaker 2: because I remember my mum saying to me, she said,

386
00:18:28,880 --> 00:18:31,480
Speaker 2: would you be happy to kind of, you know, be

387
00:18:31,640 --> 00:18:34,600
Speaker 2: embarrassed because you never had this big wedding that everyone

388
00:18:34,760 --> 00:18:38,840
Speaker 2: was hoping for, Or are you happier that you didn't

389
00:18:38,880 --> 00:18:42,280
Speaker 2: have this wedding that everyone attended, that everyone celebrated, and

390
00:18:42,359 --> 00:18:45,120
Speaker 2: then you got divorced, you know, two weeks three weeks later.

391
00:18:45,320 --> 00:18:48,040
Speaker 3: Oh, she's so right, But it's so hard to see

392
00:18:48,080 --> 00:18:49,959
Speaker 3: that in the moment, right because you're just like, oh

393
00:18:50,000 --> 00:18:52,640
Speaker 3: my god, I'm letting these people down. And I don't

394
00:18:52,680 --> 00:18:55,200
Speaker 3: think if we asked anybody who was invited too your wedding,

395
00:18:55,320 --> 00:18:56,920
Speaker 3: do you feel that down? They would have been like no,

396
00:18:57,240 --> 00:18:59,440
Speaker 3: like I'm so glad that they're doing what's right for them,

397
00:18:59,640 --> 00:19:02,000
Speaker 3: Like nobody would have felt that way. But you do

398
00:19:02,160 --> 00:19:03,400
Speaker 3: in that moment, I'm sure.

399
00:19:03,359 --> 00:19:06,119
Speaker 2: Of course. I Mean I had my whole life sorted,

400
00:19:06,680 --> 00:19:08,840
Speaker 2: I had the house I had, you know, I was

401
00:19:08,920 --> 00:19:11,520
Speaker 2: just about to finish my degree. I had what I

402
00:19:11,600 --> 00:19:13,800
Speaker 2: thought was the perfect man, I had all my ducks

403
00:19:13,840 --> 00:19:15,680
Speaker 2: in a row, and then all of a sudden everything

404
00:19:15,840 --> 00:19:16,480
Speaker 2: was this is crazy.

405
00:19:16,640 --> 00:19:20,600
Speaker 3: So he's like still negotiating settlement of this house with

406
00:19:20,760 --> 00:19:24,119
Speaker 3: you and sale price while living at a new girl's house.

407
00:19:24,320 --> 00:19:28,440
Speaker 3: Yeah yeah, and queen, you can keep him like you

408
00:19:28,600 --> 00:19:32,199
Speaker 3: can keep him like I promise. I'm not looking at

409
00:19:32,240 --> 00:19:34,480
Speaker 3: your man because like nobody should be.

410
00:19:34,880 --> 00:19:37,639
Speaker 2: No, And I'm just like I'm happy to not have

411
00:19:37,800 --> 00:19:40,280
Speaker 2: a leech, like I'm happy for him to leach off

412
00:19:40,440 --> 00:19:42,800
Speaker 2: another female that will support him.

413
00:19:43,040 --> 00:19:46,480
Speaker 3: Yuck. I feel bad for her me too, but I

414
00:19:46,560 --> 00:19:49,400
Speaker 3: mean it is what it is, really what you pick

415
00:19:49,440 --> 00:19:54,159
Speaker 3: your poison exactly, exactly. Oh my goodness, money, Darius, do

416
00:19:54,160 --> 00:19:55,720
Speaker 3: I want to know what do you do for work

417
00:19:55,840 --> 00:19:57,360
Speaker 3: now and how much money do you earn?

418
00:19:57,800 --> 00:20:01,200
Speaker 2: So I only graduated a few few months ago, November

419
00:20:01,280 --> 00:20:05,359
Speaker 2: last year. Congrat So exciting, Yeah, really exciting. It was

420
00:20:05,480 --> 00:20:10,359
Speaker 2: six years too long. So I'm now an accredited practicing dietitian. Ah,

421
00:20:10,600 --> 00:20:15,000
Speaker 2: very cool. Yes, Yes, I work between a few jobs

422
00:20:15,400 --> 00:20:17,440
Speaker 2: just because it's really hard in the industry, like the

423
00:20:17,560 --> 00:20:20,680
Speaker 2: jobs are pretty far and few between, and especially full

424
00:20:20,720 --> 00:20:24,159
Speaker 2: time roles as well. You'll most likely find dietitians that

425
00:20:24,400 --> 00:20:27,200
Speaker 2: do have quite a number of roles and it just

426
00:20:27,280 --> 00:20:30,560
Speaker 2: makes up the full time week. So I work in

427
00:20:30,640 --> 00:20:33,680
Speaker 2: the community three days a week, and then I work

428
00:20:33,760 --> 00:20:37,080
Speaker 2: private practice two days a week, and then I'm a

429
00:20:37,200 --> 00:20:41,320
Speaker 2: contractor on the weekends as well in a GP clinic.

430
00:20:41,560 --> 00:20:44,600
Speaker 3: So you're still just hustling and working your butt off.

431
00:20:45,400 --> 00:20:48,000
Speaker 2: Yeah. Again, I think I have like this fear of

432
00:20:48,440 --> 00:20:51,320
Speaker 2: just never having money again. Ye fair, like what I

433
00:20:51,440 --> 00:20:53,680
Speaker 2: said before, Like I just always need to like hold

434
00:20:53,760 --> 00:20:56,720
Speaker 2: it tight. I mean, I respect it, but I also

435
00:20:56,760 --> 00:20:59,479
Speaker 2: don't want you to burn yourself out. Tell me how

436
00:20:59,560 --> 00:21:01,920
Speaker 2: much money you taking home for all of that. So

437
00:21:02,960 --> 00:21:06,439
Speaker 2: for my like my full time role, between the two jobs,

438
00:21:06,480 --> 00:21:09,040
Speaker 2: I make about ninety five thousand a year, which is

439
00:21:09,480 --> 00:21:12,120
Speaker 2: for a graduate dietitian. Quite good.

440
00:21:12,200 --> 00:21:13,720
Speaker 3: Now, that's very good, my queen.

441
00:21:13,920 --> 00:21:16,680
Speaker 2: Yeah, I got super lucky with the roles that I got,

442
00:21:16,920 --> 00:21:20,080
Speaker 2: and then with my contracting role, it's ad hoc, so

443
00:21:20,400 --> 00:21:22,840
Speaker 2: some days I might be taking in you know, like

444
00:21:23,040 --> 00:21:25,320
Speaker 2: five hundred dollars for the day, and then other days

445
00:21:25,320 --> 00:21:28,760
Speaker 2: I might only make eighty dollars. So yeah, okay, it's

446
00:21:28,840 --> 00:21:30,159
Speaker 2: dependent on the referrals.

447
00:21:30,200 --> 00:21:33,800
Speaker 3: Yeah that's crazy. But also like so good, and what's

448
00:21:33,920 --> 00:21:37,240
Speaker 3: the plan because like, obviously you come into this industry,

449
00:21:37,280 --> 00:21:40,359
Speaker 3: you've worked your butt off, you've done your master's and

450
00:21:40,480 --> 00:21:42,800
Speaker 3: you're kind of still in that like grad mode. But

451
00:21:42,920 --> 00:21:44,440
Speaker 3: do you have a like I want to own my

452
00:21:44,520 --> 00:21:47,399
Speaker 3: own practice or you want to like go completely you know,

453
00:21:47,600 --> 00:21:49,359
Speaker 3: private practice, or what's the plan.

454
00:21:50,840 --> 00:21:53,000
Speaker 2: Yeah, I think one day I would really love to

455
00:21:53,119 --> 00:21:56,040
Speaker 2: kind of have my own practice, have a bunch of

456
00:21:56,320 --> 00:22:00,440
Speaker 2: people working with me, create my own team. The market is, however,

457
00:22:00,600 --> 00:22:04,480
Speaker 2: very saturated, so I think most of the time, everyone

458
00:22:04,520 --> 00:22:07,879
Speaker 2: would be happy listening to, you know, an influencer online

459
00:22:07,920 --> 00:22:10,760
Speaker 2: that doesn't really have a degree or anything, because everyone eats.

460
00:22:10,840 --> 00:22:12,760
Speaker 3: Everyone knows what to be, don't I hate you?

461
00:22:12,840 --> 00:22:16,879
Speaker 2: Yea, So it would be good. That is kind of

462
00:22:16,960 --> 00:22:19,359
Speaker 2: the goal. But yeah, at the moment, I'm just kind

463
00:22:19,400 --> 00:22:21,720
Speaker 2: of building up my clinical skills as best as I

464
00:22:21,800 --> 00:22:24,520
Speaker 2: can to become a good dietitian eventually.

465
00:22:24,880 --> 00:22:28,040
Speaker 3: And are you leaning into that social side to kind

466
00:22:28,040 --> 00:22:30,400
Speaker 3: of build a clientele out or what does that look

467
00:22:30,520 --> 00:22:30,840
Speaker 3: like for you?

468
00:22:31,160 --> 00:22:34,400
Speaker 2: Yeah, I guess in my contractor role, because I work

469
00:22:34,880 --> 00:22:38,159
Speaker 2: kind of under my own business name, Like it's very separate.

470
00:22:38,240 --> 00:22:40,679
Speaker 2: Even though I work in the same clinic, it's very separate.

471
00:22:40,720 --> 00:22:42,840
Speaker 2: I have my own identity there and my own company.

472
00:22:43,040 --> 00:22:45,439
Speaker 2: I think kind of building up that clientele, building up

473
00:22:45,440 --> 00:22:48,560
Speaker 2: that name for now is a good kind of stepping stone.

474
00:22:48,640 --> 00:22:51,040
Speaker 2: And then I guess, you know, in a few years

475
00:22:51,119 --> 00:22:55,080
Speaker 2: down the track, hopefully my goal becomes a reality.

476
00:22:55,440 --> 00:22:58,840
Speaker 3: It totally will. And it always is so disheartening when

477
00:22:59,600 --> 00:23:02,919
Speaker 3: like an it's the reality right when you say something like, oh, well,

478
00:23:03,280 --> 00:23:05,840
Speaker 3: you know, lots of people would prefer to following influencer,

479
00:23:05,960 --> 00:23:08,320
Speaker 3: and it drives me insane because it's.

480
00:23:08,200 --> 00:23:09,520
Speaker 2: Like, what do they know?

481
00:23:10,119 --> 00:23:12,840
Speaker 3: Like they're saying things with conviction, and it's getting you

482
00:23:12,960 --> 00:23:15,280
Speaker 3: in trouble, Like I'm known about you and you probably

483
00:23:15,320 --> 00:23:18,200
Speaker 3: shouldn't agree to me in this moment. But I feel

484
00:23:18,240 --> 00:23:20,760
Speaker 3: like all of the influences right now that a drop

485
00:23:20,840 --> 00:23:23,720
Speaker 3: in health and beauty stuff are really promoting heroin chic

486
00:23:24,040 --> 00:23:27,600
Speaker 3: as like a body aesthetic or and that's just not

487
00:23:27,800 --> 00:23:30,040
Speaker 3: what it should be about. Like we've come so far,

488
00:23:30,720 --> 00:23:33,440
Speaker 3: like in being strong and being women and eating the

489
00:23:33,560 --> 00:23:36,080
Speaker 3: right stuff, and now it's just like we're going backwards.

490
00:23:36,240 --> 00:23:38,720
Speaker 3: So we need more people like you to have voices

491
00:23:38,800 --> 00:23:42,200
Speaker 3: that can be amplified to keep us happy and to

492
00:23:42,320 --> 00:23:44,000
Speaker 3: keep us healthy and to put U say in the

493
00:23:44,080 --> 00:23:47,240
Speaker 3: best possible position, because listening to influencers is horrific. Like

494
00:23:47,320 --> 00:23:51,320
Speaker 3: I find myself even when I'm talking about my journey,

495
00:23:51,600 --> 00:23:53,920
Speaker 3: I'll be like, I am not a doctor, but this

496
00:23:54,119 --> 00:23:56,200
Speaker 3: is what I'm doing. Please do not listen to me.

497
00:23:56,600 --> 00:23:59,399
Speaker 3: All I know is money. Like, I've got my finance degrees,

498
00:23:59,560 --> 00:24:02,240
Speaker 3: I've got business degree, like I know what I'm talking

499
00:24:02,280 --> 00:24:05,520
Speaker 3: about there, and I've even got a couple of psychology degrees.

500
00:24:05,560 --> 00:24:07,479
Speaker 3: We can talk about that. Anything outside of that, I'm

501
00:24:07,520 --> 00:24:09,920
Speaker 3: not a professional. Stop asking me. Like you want to

502
00:24:09,960 --> 00:24:12,480
Speaker 3: talk about food, go to a dietitian, go and talk

503
00:24:12,520 --> 00:24:13,359
Speaker 3: to our money darrist.

504
00:24:13,640 --> 00:24:13,680
Speaker 2: Like.

505
00:24:14,040 --> 00:24:16,840
Speaker 3: I cannot tell you how frustrating it is when people

506
00:24:16,840 --> 00:24:18,600
Speaker 3: are like, can you do a day on a plate?

507
00:24:19,400 --> 00:24:19,440
Speaker 2: No?

508
00:24:19,800 --> 00:24:22,560
Speaker 3: Absolutely, I cannot, Like I cannot do a day on

509
00:24:22,640 --> 00:24:25,280
Speaker 3: a plate, because not only would it not be the

510
00:24:25,400 --> 00:24:27,600
Speaker 3: right thing to share, it would set like you know,

511
00:24:27,760 --> 00:24:30,720
Speaker 3: unrealistic expectations. Not because I eat too much, not because

512
00:24:30,720 --> 00:24:33,080
Speaker 3: I eat too little, all of that, but like, that's

513
00:24:33,240 --> 00:24:36,720
Speaker 3: crazy to think that I would become an influencer to

514
00:24:36,840 --> 00:24:39,200
Speaker 3: influence what people are eating it a day. Get me

515
00:24:39,240 --> 00:24:40,720
Speaker 3: out of here, exact, get me out.

516
00:24:41,280 --> 00:24:43,920
Speaker 2: A lot of my job is literally just debunking the

517
00:24:44,040 --> 00:24:47,400
Speaker 2: latest nutrition myth on the internet, so it's quite fee.

518
00:24:48,359 --> 00:24:52,480
Speaker 3: I have this gorgeous natural path that I see probably monthly, Zoe.

519
00:24:52,720 --> 00:24:54,520
Speaker 3: If you guys follow me on socials who would have

520
00:24:54,560 --> 00:24:56,480
Speaker 3: sent me a tagor a heap of times. But I

521
00:24:56,680 --> 00:25:00,560
Speaker 3: like am always going to her and you know, chatting

522
00:25:00,560 --> 00:25:03,800
Speaker 3: about my health, doing bloods, doing everything properly. But then

523
00:25:04,160 --> 00:25:06,680
Speaker 3: I'm like, what about this? Like, oh, have you heard

524
00:25:06,720 --> 00:25:09,080
Speaker 3: of Ozmpic? Everyone's talking about it, but she's just like

525
00:25:09,160 --> 00:25:11,399
Speaker 3: we're trying to sit down, like this is crazy, and

526
00:25:11,560 --> 00:25:13,800
Speaker 3: like we get to have these good conversations about what's

527
00:25:13,840 --> 00:25:16,240
Speaker 3: going on, and it just really reiterates to me, like,

528
00:25:16,600 --> 00:25:20,919
Speaker 3: do not listen to influences, listen to people who are

529
00:25:21,000 --> 00:25:24,280
Speaker 3: actually educated, Like did you not just hear how much

530
00:25:24,359 --> 00:25:26,879
Speaker 3: our money diarist was slaving away to make sure she

531
00:25:27,040 --> 00:25:29,520
Speaker 3: has the knowledge to put people first. That's who we

532
00:25:29,600 --> 00:25:32,639
Speaker 3: want to be. Championing drives me insane. My love drives

533
00:25:32,720 --> 00:25:35,159
Speaker 3: me to sane. Let's move on from that, because I

534
00:25:35,280 --> 00:25:37,480
Speaker 3: want to know what are your big money goals? Because

535
00:25:37,480 --> 00:25:39,800
Speaker 3: obviously getting back on your feet financially was a big

536
00:25:39,840 --> 00:25:42,200
Speaker 3: money goal. Sorry, there's one hundred and fifty thousand dollars

537
00:25:42,240 --> 00:25:44,680
Speaker 3: in your savings right now, so I feel like we've

538
00:25:44,720 --> 00:25:49,199
Speaker 3: achieved that. Yeah, what's next? What are you currently working towards?

539
00:25:49,400 --> 00:25:52,320
Speaker 2: I mean, even though I'm very, very scarred. I would

540
00:25:52,880 --> 00:25:55,000
Speaker 2: like to get an investment property again.

541
00:25:55,280 --> 00:25:57,760
Speaker 3: Well that's not a bad thing though, Like that's just

542
00:25:57,840 --> 00:26:00,359
Speaker 3: an asset class. We just don't want to buy with

543
00:26:00,480 --> 00:26:04,080
Speaker 3: a douchebag partner who's going to move in with a girl.

544
00:26:04,200 --> 00:26:05,680
Speaker 3: They told you not to worry about, you know.

545
00:26:05,840 --> 00:26:08,960
Speaker 2: Yeah, so I think if I do do it, it'll

546
00:26:08,960 --> 00:26:11,879
Speaker 2: definitely be alone. But yeah, I just want to make

547
00:26:11,920 --> 00:26:15,000
Speaker 2: sure that I guess I'm very secure able to you know,

548
00:26:15,200 --> 00:26:18,720
Speaker 2: pay the mortgages, do everything that I need to do. Again,

549
00:26:18,840 --> 00:26:21,480
Speaker 2: I feel like I have this kind of mentality. It's

550
00:26:21,560 --> 00:26:23,800
Speaker 2: like it's never enough, like I need to have money

551
00:26:23,800 --> 00:26:26,080
Speaker 2: because you just never know when you're going to need it.

552
00:26:26,920 --> 00:26:30,680
Speaker 2: So I guess eventually I will look into securing my

553
00:26:30,800 --> 00:26:32,679
Speaker 2: next kind of investment property.

554
00:26:33,000 --> 00:26:36,119
Speaker 3: But that's really exciting. All right, let's go to a

555
00:26:36,200 --> 00:26:38,040
Speaker 3: really quick break and on the flip side, I want

556
00:26:38,080 --> 00:26:40,439
Speaker 3: to know a little bit more about this investment property

557
00:26:40,480 --> 00:26:42,159
Speaker 3: journey and what it could look like. I want to

558
00:26:42,200 --> 00:26:44,359
Speaker 3: talk about debt and how you feel about it, and

559
00:26:44,359 --> 00:26:46,240
Speaker 3: then we're going to talk about best and worst money habits.

560
00:26:46,240 --> 00:26:52,600
Speaker 3: So guys, it don't go anywhere money varies do. We

561
00:26:52,760 --> 00:26:54,639
Speaker 3: are back and I want to talk a little bit

562
00:26:54,680 --> 00:26:57,040
Speaker 3: more about investments, because you said, Hey, I'm not that

563
00:26:57,240 --> 00:27:00,920
Speaker 3: scarred when it comes to investment property. The man. Sure,

564
00:27:01,080 --> 00:27:04,240
Speaker 3: but like the investment property, I probably would get straight

565
00:27:04,280 --> 00:27:07,000
Speaker 3: back into bed with one of those tell me about

566
00:27:07,080 --> 00:27:09,080
Speaker 3: the plan. There is that something that you're like, Look, VI,

567
00:27:09,280 --> 00:27:10,840
Speaker 3: I just know I want to do it. I haven't

568
00:27:10,840 --> 00:27:13,399
Speaker 3: got a plan, or are you kind of working towards

569
00:27:13,440 --> 00:27:16,720
Speaker 3: having a specific deposit saved or where are we with that?

570
00:27:17,080 --> 00:27:20,840
Speaker 2: I mean, at the moment, I'm just kind of plodding along.

571
00:27:21,080 --> 00:27:23,600
Speaker 2: I guess because I worked so hard, I pretty much

572
00:27:23,640 --> 00:27:26,560
Speaker 2: rebuilt the last six months of my life, probably a

573
00:27:26,560 --> 00:27:29,320
Speaker 2: little bit more. I've been rebuilding kind of all of

574
00:27:29,400 --> 00:27:32,560
Speaker 2: that money back and going from having nothing in my

575
00:27:32,600 --> 00:27:35,520
Speaker 2: bank account to you know, the sale of the property

576
00:27:35,560 --> 00:27:37,960
Speaker 2: coming through, and then kind of rebuilding my finances up

577
00:27:38,000 --> 00:27:41,119
Speaker 2: from there. I think probably within the next year or so,

578
00:27:41,320 --> 00:27:43,480
Speaker 2: I'll look into buying a property.

579
00:27:43,640 --> 00:27:45,280
Speaker 3: Oh that's exciting and so soon.

580
00:27:45,440 --> 00:27:48,080
Speaker 2: Yeah, no magic number, like I'm not looking to you know,

581
00:27:48,200 --> 00:27:50,520
Speaker 2: hit two hundred thousand or anything like that. But I

582
00:27:50,600 --> 00:27:53,320
Speaker 2: think just when I'm ready, when I feel ready to

583
00:27:53,400 --> 00:27:54,200
Speaker 2: do it, I'll do it.

584
00:27:54,480 --> 00:27:57,040
Speaker 3: I have no doubt you'll hit two hundred pounds. It

585
00:27:57,160 --> 00:28:00,359
Speaker 3: sounds like you are hustling and hustling hard. Are you

586
00:28:00,520 --> 00:28:02,000
Speaker 3: investing in any other way?

587
00:28:02,280 --> 00:28:05,959
Speaker 2: Yes, I am. I do you have a comsex account

588
00:28:06,240 --> 00:28:09,119
Speaker 2: so I have. I checked this morning. It was actually

589
00:28:09,160 --> 00:28:12,239
Speaker 2: twenty thousand, four hundred and ninety three dollars thus far.

590
00:28:12,520 --> 00:28:13,720
Speaker 2: Oh I can't.

591
00:28:13,840 --> 00:28:15,920
Speaker 3: And how long have you been investing? What made you

592
00:28:16,320 --> 00:28:17,159
Speaker 3: dive in first?

593
00:28:17,840 --> 00:28:18,600
Speaker 2: She's on the money.

594
00:28:19,040 --> 00:28:21,560
Speaker 3: I stopped it. You did not have to say that,

595
00:28:21,720 --> 00:28:25,080
Speaker 3: but I'm glad that we're all putting ourselves first.

596
00:28:25,600 --> 00:28:27,320
Speaker 2: I've literally got all of the books.

597
00:28:27,600 --> 00:28:28,280
Speaker 3: Do you actually?

598
00:28:28,560 --> 00:28:29,679
Speaker 2: That was so sweet.

599
00:28:29,920 --> 00:28:31,840
Speaker 3: It makes me want to cry when people are like,

600
00:28:32,240 --> 00:28:34,000
Speaker 3: I've got your books, I'm like, what do you mean?

601
00:28:34,200 --> 00:28:36,640
Speaker 3: Like I thought it was just my mum who bought those.

602
00:28:36,600 --> 00:28:39,880
Speaker 2: So I bought them as well. I have them. My

603
00:28:40,160 --> 00:28:42,920
Speaker 2: dad also helped as well, so I did go to

604
00:28:43,040 --> 00:28:45,080
Speaker 2: him after kind of listening to a lot of the

605
00:28:45,200 --> 00:28:48,840
Speaker 2: podcast I guess around kind of investing and things like that. Yeah,

606
00:28:48,880 --> 00:28:51,320
Speaker 2: and I went to him, and I started off with

607
00:28:51,400 --> 00:28:55,120
Speaker 2: a comsex pocket, so I think I probably put like

608
00:28:55,280 --> 00:28:58,920
Speaker 2: two hundred dollars into that made and then my dad,

609
00:28:58,960 --> 00:29:01,560
Speaker 2: who's an accountant, I went to him and I was like,

610
00:29:01,680 --> 00:29:04,120
Speaker 2: I want to start investing. Can you kind of tell

611
00:29:04,240 --> 00:29:06,920
Speaker 2: me what I should do, not necessarily what I should

612
00:29:06,960 --> 00:29:07,920
Speaker 2: invest in or anything.

613
00:29:08,240 --> 00:29:10,920
Speaker 3: And he was probably like money, darrist, I've been telling

614
00:29:10,960 --> 00:29:13,320
Speaker 3: you this for years, and you were h yeah, but

615
00:29:13,360 --> 00:29:14,920
Speaker 3: I've listened to this podcast. And he was like, I

616
00:29:14,960 --> 00:29:16,800
Speaker 3: don't care about your podcast. I have been telling you

617
00:29:16,920 --> 00:29:18,720
Speaker 3: for years. Why didn't you listen to you? And You're like, no,

618
00:29:18,880 --> 00:29:20,800
Speaker 3: you never told me. That's crazy, Dad, No.

619
00:29:21,000 --> 00:29:23,239
Speaker 2: He really did. He's like, I've been saying this, if

620
00:29:23,320 --> 00:29:25,960
Speaker 2: you invested X amount, you know, in five years at

621
00:29:26,040 --> 00:29:26,640
Speaker 2: four percent.

622
00:29:27,160 --> 00:29:31,080
Speaker 3: Sorry, Dad, you're just too male. I'm sorry. We're not

623
00:29:31,160 --> 00:29:34,280
Speaker 3: here to listen to men about how to run our world.

624
00:29:34,360 --> 00:29:36,320
Speaker 3: So it's just not going to resonate. I don't need

625
00:29:36,400 --> 00:29:39,240
Speaker 3: make my own accountant father, as you probably already know

626
00:29:39,280 --> 00:29:41,200
Speaker 3: if you read my book. I'm sorry, Dad, I love you,

627
00:29:41,280 --> 00:29:42,800
Speaker 3: but I'm not going to be listening.

628
00:29:42,880 --> 00:29:43,760
Speaker 2: No, it doesn't make spect.

629
00:29:43,920 --> 00:29:46,600
Speaker 3: It just it wasn't even a choice. It was subconscious.

630
00:29:46,880 --> 00:29:49,000
Speaker 2: It's like when he would sit at the table with

631
00:29:49,160 --> 00:29:52,080
Speaker 2: me every night after dinner and do my Musk's homework

632
00:29:52,120 --> 00:29:53,960
Speaker 2: with me, and I would just go, nah, I can't

633
00:29:54,040 --> 00:29:56,680
Speaker 2: listen to not making any sense. So oh.

634
00:29:56,760 --> 00:29:58,520
Speaker 3: I wrote about that in my book as well, and

635
00:29:58,600 --> 00:30:00,560
Speaker 3: how I used to sit at the dining with my

636
00:30:00,680 --> 00:30:02,800
Speaker 3: dad and he'd be trying to teach me times tables

637
00:30:02,800 --> 00:30:04,600
Speaker 3: and I would cry, I know, like I would sit

638
00:30:04,680 --> 00:30:06,880
Speaker 3: there crying and he would be like, no, Victoria, you're

639
00:30:06,920 --> 00:30:08,880
Speaker 3: not getting out of this by crying. You are sitting

640
00:30:08,920 --> 00:30:10,840
Speaker 3: here and doing it. So I'd be sobbing and be

641
00:30:10,960 --> 00:30:12,800
Speaker 3: like five times five.

642
00:30:13,440 --> 00:30:15,760
Speaker 2: It's so funny because I swear my life was exactly

643
00:30:15,840 --> 00:30:19,320
Speaker 2: the same. But no, he he told me kind of

644
00:30:19,640 --> 00:30:23,280
Speaker 2: how it worked so individually investing into different stocks, and

645
00:30:23,600 --> 00:30:27,280
Speaker 2: just from that point I did my own research. I

646
00:30:27,680 --> 00:30:29,479
Speaker 2: sat on it for a little while, Like I probably

647
00:30:29,520 --> 00:30:32,480
Speaker 2: sat on a couple stocks that I watched for about

648
00:30:32,640 --> 00:30:35,320
Speaker 2: three months or so. Yeah, did a bit of you know,

649
00:30:35,640 --> 00:30:38,640
Speaker 2: research and stuff, and then I did end up kind

650
00:30:38,680 --> 00:30:40,920
Speaker 2: of picking a couple stocks to invest in, and then

651
00:30:41,080 --> 00:30:44,960
Speaker 2: ever since then, I've just picked other stocks to invest.

652
00:30:44,720 --> 00:30:48,200
Speaker 3: In, so which we love, which we genuinely love. Like

653
00:30:48,360 --> 00:30:50,400
Speaker 3: I feel like sometimes it does take a little bit

654
00:30:50,440 --> 00:30:52,520
Speaker 3: of sitting and a little bit of planning, Like it's

655
00:30:52,640 --> 00:30:55,080
Speaker 3: never you listen to one podcast and then did it

656
00:30:55,320 --> 00:30:57,680
Speaker 3: and if you did I'm confused, like, how did you

657
00:30:57,840 --> 00:30:59,840
Speaker 3: just get the confidence because I didn't even have the

658
00:31:00,000 --> 00:31:00,960
Speaker 3: confidence to do that.

659
00:31:01,240 --> 00:31:02,600
Speaker 2: No, it was very confused, Like.

660
00:31:02,840 --> 00:31:05,760
Speaker 3: Me, it's insane. I need to step back and make

661
00:31:05,920 --> 00:31:06,880
Speaker 3: decisions slowly.

662
00:31:07,120 --> 00:31:09,040
Speaker 2: Yeah, I'm the same. I needed to just sit on

663
00:31:09,160 --> 00:31:11,520
Speaker 2: it for a while and understand it. Before I kind

664
00:31:11,560 --> 00:31:15,200
Speaker 2: of did invest in individual stocks, especially like blue chips

665
00:31:15,240 --> 00:31:17,400
Speaker 2: and things like that, I didn't really understand.

666
00:31:17,520 --> 00:31:20,320
Speaker 3: Yeah, that's so exciting. And is that something where over

667
00:31:20,400 --> 00:31:22,600
Speaker 3: time you're going to be investing more or are we

668
00:31:22,760 --> 00:31:26,719
Speaker 3: really prioritizing getting into an investment property like or are

669
00:31:26,760 --> 00:31:28,960
Speaker 3: you just like V I'm just doing whatever feels good

670
00:31:29,040 --> 00:31:29,320
Speaker 3: right now.

671
00:31:29,680 --> 00:31:32,720
Speaker 2: No. Well, I try to put aside each week about

672
00:31:32,760 --> 00:31:35,880
Speaker 2: one hundred dollars depending on kind of like my pay

673
00:31:36,000 --> 00:31:38,440
Speaker 2: that week, and then I just kind of wait until

674
00:31:38,440 --> 00:31:40,960
Speaker 2: I'm ready to buy a certain stock or buy more

675
00:31:41,120 --> 00:31:43,840
Speaker 2: of a stock that I've currently already got. That's kind

676
00:31:43,880 --> 00:31:44,680
Speaker 2: of how I work.

677
00:31:45,000 --> 00:31:47,360
Speaker 3: I love that, all right. Tell me about debt. Do

678
00:31:47,480 --> 00:31:49,520
Speaker 3: you have any debts? Have you ever had any debt?

679
00:31:49,600 --> 00:31:51,320
Speaker 3: I feel I feel like I know the answer to this.

680
00:31:51,720 --> 00:31:53,959
Speaker 2: No. At the moment, the only debt that I've got

681
00:31:54,080 --> 00:31:57,120
Speaker 2: is my ex debt, which is I think. So I

682
00:31:57,200 --> 00:31:59,719
Speaker 2: paid off my first undergraduate degree, so I've just got

683
00:31:59,760 --> 00:32:01,760
Speaker 2: my mom sitting in there. I think at the moment

684
00:32:01,800 --> 00:32:05,040
Speaker 2: it's like twenty thousand maybe yep, yeah, yep.

685
00:32:05,080 --> 00:32:07,719
Speaker 3: And you planning on paying it off or you very

686
00:32:07,840 --> 00:32:09,400
Speaker 3: happy with that? What's your approach.

687
00:32:09,680 --> 00:32:12,280
Speaker 2: I've been thinking about paying it off, but I'm happy

688
00:32:12,360 --> 00:32:13,720
Speaker 2: to just kind of write it out for the next

689
00:32:13,760 --> 00:32:17,080
Speaker 2: couple of years and again just say invest and then

690
00:32:17,240 --> 00:32:20,200
Speaker 2: maybe when I'm in a better financial situation, I will

691
00:32:20,240 --> 00:32:20,720
Speaker 2: pay it off.

692
00:32:21,240 --> 00:32:24,080
Speaker 3: We'll see how we go, totally. So tell me a

693
00:32:24,200 --> 00:32:27,880
Speaker 3: bit more about personal insurances because you are quite young.

694
00:32:28,080 --> 00:32:30,360
Speaker 3: Is this something I mean, you've read my books, so

695
00:32:30,640 --> 00:32:33,080
Speaker 3: you know how important I think this is. But is

696
00:32:33,160 --> 00:32:35,440
Speaker 3: this something that you've set up or organized or even

697
00:32:35,480 --> 00:32:36,200
Speaker 3: thought about yet.

698
00:32:36,400 --> 00:32:40,160
Speaker 2: No, I don't have any personal insurance, but I have

699
00:32:40,320 --> 00:32:44,000
Speaker 2: been thinking about it, doing it through my super But yes,

700
00:32:44,280 --> 00:32:47,280
Speaker 2: I don't have any currently. I think definitely something to

701
00:32:47,400 --> 00:32:49,880
Speaker 2: ponder about. It is important. I just don't have any.

702
00:32:50,280 --> 00:32:52,960
Speaker 3: I think it's very important and you definitely should. But

703
00:32:53,120 --> 00:32:55,800
Speaker 3: that is okay, that's something that could definitely take you

704
00:32:55,880 --> 00:32:58,840
Speaker 3: from a B to an A overnight. I reckon tell

705
00:32:58,960 --> 00:33:00,920
Speaker 3: me a bit more. I feel like you're going to

706
00:33:00,960 --> 00:33:02,800
Speaker 3: have some pretty good money habits. You don't go from

707
00:33:03,040 --> 00:33:06,160
Speaker 3: losing literally everything that you'd saved for and you know,

708
00:33:06,360 --> 00:33:08,560
Speaker 3: and losing all your wedding deposits to have one hundred

709
00:33:08,600 --> 00:33:11,040
Speaker 3: and fifty grand saved without some good money habits. So

710
00:33:11,080 --> 00:33:12,880
Speaker 3: what do you think is your best money habit?

711
00:33:13,320 --> 00:33:16,000
Speaker 2: My best money habit, And I've been doing this since

712
00:33:16,200 --> 00:33:19,040
Speaker 2: my first job. As soon as I get paid, I

713
00:33:19,840 --> 00:33:23,400
Speaker 2: pretty much put a certain amount into savings, an emergency fund,

714
00:33:23,920 --> 00:33:27,920
Speaker 2: my car expenses. I have a whole range of different

715
00:33:27,920 --> 00:33:30,720
Speaker 2: accounts that I allocate, and then I'll leave myself my

716
00:33:30,800 --> 00:33:35,040
Speaker 2: budget for the week. Once you know that budget is gone,

717
00:33:35,160 --> 00:33:37,040
Speaker 2: I mean, I try and budget as much as I can,

718
00:33:37,120 --> 00:33:39,680
Speaker 2: but once it's gone, it's gone. So I like practically

719
00:33:39,720 --> 00:33:41,640
Speaker 2: will live off two minute noodles if I have to.

720
00:33:42,160 --> 00:33:44,480
Speaker 3: And I mean that's a good thing. But where does

721
00:33:44,560 --> 00:33:47,240
Speaker 3: that discipline come from? Have you always had that or

722
00:33:47,280 --> 00:33:48,920
Speaker 3: are you just like, no, I don't want to spend

723
00:33:48,960 --> 00:33:51,120
Speaker 3: any more money, or I don't want to, you know,

724
00:33:51,520 --> 00:33:53,320
Speaker 3: go above them. I don't know how do you get

725
00:33:53,360 --> 00:33:55,880
Speaker 3: that mentality? Because so many people just don't have it right,

726
00:33:55,960 --> 00:33:57,760
Speaker 3: They just go No, I could never do that, Like,

727
00:33:57,840 --> 00:33:59,920
Speaker 3: I wouldn't. I wouldn't sacrifice that.

728
00:34:00,280 --> 00:34:03,120
Speaker 2: Yeah, I really don't know, Like I just pretty much

729
00:34:03,160 --> 00:34:06,320
Speaker 2: from the first paycheck I got I started doing it.

730
00:34:06,480 --> 00:34:08,480
Speaker 2: No one told me to do it. I just I

731
00:34:08,960 --> 00:34:11,840
Speaker 2: did it, and I've just been doing it for pretty

732
00:34:11,920 --> 00:34:13,640
Speaker 2: much my whole working life.

733
00:34:14,080 --> 00:34:17,560
Speaker 3: Yeah, And I think that that's like, honestly relatively healthy

734
00:34:17,600 --> 00:34:19,640
Speaker 3: as long as it's not like restrictive in every other

735
00:34:19,760 --> 00:34:21,680
Speaker 3: part of your life. But I'm also like, how do

736
00:34:21,760 --> 00:34:23,920
Speaker 3: people just know this and then other people don't, Like,

737
00:34:24,280 --> 00:34:27,080
Speaker 3: obviously it's part of your money stories, but like, which

738
00:34:27,200 --> 00:34:28,440
Speaker 3: part how do we teach this?

739
00:34:29,320 --> 00:34:31,160
Speaker 2: I'm not too sure. Again, I think it was just

740
00:34:31,239 --> 00:34:35,800
Speaker 2: because growing up money wasn't scarce. However, we did have

741
00:34:35,960 --> 00:34:38,640
Speaker 2: periods where we didn't have money. So I think again,

742
00:34:38,800 --> 00:34:42,279
Speaker 2: it's just I hold onto whatever money I can, And

743
00:34:42,400 --> 00:34:45,520
Speaker 2: I guess that's probably going into my worst money habit.

744
00:34:45,640 --> 00:34:48,840
Speaker 2: That is, that's probably my So what is your worst

745
00:34:48,920 --> 00:34:53,040
Speaker 2: money habit? I think again, probably just holding onto all

746
00:34:53,120 --> 00:34:55,600
Speaker 2: my money and being scared and I guess being stung

747
00:34:55,640 --> 00:34:57,759
Speaker 2: in the past now that's probably made that a little

748
00:34:57,800 --> 00:35:02,080
Speaker 2: bit more heightened and substand It's like I can't lose

749
00:35:02,320 --> 00:35:04,960
Speaker 2: my money, like I've been there before now and it

750
00:35:05,040 --> 00:35:07,520
Speaker 2: scares me. So it's like I can't not have any money,

751
00:35:07,520 --> 00:35:08,279
Speaker 2: if you know what I mean.

752
00:35:08,520 --> 00:35:10,759
Speaker 3: Yeah, that's kind of scary. But also what does that

753
00:35:10,920 --> 00:35:13,640
Speaker 3: mean in the future, Like have you found a new partner?

754
00:35:13,880 --> 00:35:17,440
Speaker 3: Is that something that you're interested in? Like how do

755
00:35:17,560 --> 00:35:20,279
Speaker 3: we move forward once somebody has like kind of just

756
00:35:20,360 --> 00:35:22,360
Speaker 3: been like, oh, by the way, I'm out. Also you

757
00:35:22,560 --> 00:35:25,480
Speaker 3: work it out. Also you're up for all of these costs,

758
00:35:25,600 --> 00:35:26,799
Speaker 3: like that would scare me off.

759
00:35:27,239 --> 00:35:28,840
Speaker 2: Yeah, I do have a new partner.

760
00:35:29,000 --> 00:35:32,160
Speaker 3: Actually, yay, Well I'm glad.

761
00:35:32,520 --> 00:35:35,320
Speaker 2: Yeah, he's great, he's unreal. He has spoken to me

762
00:35:35,360 --> 00:35:38,440
Speaker 2: about consolidating our finances. But I'm just like very scarred.

763
00:35:38,960 --> 00:35:41,960
Speaker 2: It's not happening, absolutely not, sir. So for now, it's

764
00:35:42,000 --> 00:35:45,120
Speaker 2: my money or money, And yeah, I guess somewhere down

765
00:35:45,160 --> 00:35:47,360
Speaker 2: the line, if I feel comfortable doing it, then I

766
00:35:47,520 --> 00:35:50,720
Speaker 2: may probably not all of my finances like I did prior,

767
00:35:51,040 --> 00:35:54,919
Speaker 2: but it may be something that, you know, down the line,

768
00:35:55,000 --> 00:35:57,960
Speaker 2: we do end up doing. But yes, I think my

769
00:35:58,080 --> 00:36:01,399
Speaker 2: scarcity kind of mindset do need to work on. It's

770
00:36:01,440 --> 00:36:04,320
Speaker 2: something that I know I need to work on. But

771
00:36:05,040 --> 00:36:06,640
Speaker 2: it's just a matter of I don't really know how

772
00:36:06,680 --> 00:36:08,279
Speaker 2: to do it because it's so engraved in me.

773
00:36:08,880 --> 00:36:11,320
Speaker 3: Yeah, tell me a little bit more about this scarcity

774
00:36:11,400 --> 00:36:13,719
Speaker 3: mindset and how you feel like it's holding you back,

775
00:36:14,080 --> 00:36:16,400
Speaker 3: because I think a lot of the time people are like, oh, well,

776
00:36:16,480 --> 00:36:19,440
Speaker 3: a scarcity mindset is really bad, but sometimes it can

777
00:36:19,520 --> 00:36:20,920
Speaker 3: be a good and a bad thing. And I'm not

778
00:36:21,000 --> 00:36:23,400
Speaker 3: trying to reframe it to be good because clearly you're like, there,

779
00:36:23,440 --> 00:36:26,120
Speaker 3: I want to work on this, but like, can you

780
00:36:26,200 --> 00:36:28,160
Speaker 3: tell me a bit more about where you feel like

781
00:36:28,280 --> 00:36:29,560
Speaker 3: that's holding you back.

782
00:36:29,920 --> 00:36:33,240
Speaker 2: I mean, it's not necessarily holding me back from anything,

783
00:36:33,440 --> 00:36:36,200
Speaker 2: but there is definitely times where say I've you know,

784
00:36:36,360 --> 00:36:38,480
Speaker 2: blown my budget for the week, where I do have

785
00:36:38,600 --> 00:36:40,600
Speaker 2: fifteen dollars left at the end of the week. My

786
00:36:40,719 --> 00:36:43,120
Speaker 2: friends might say like, hey, let's you know, go out

787
00:36:43,160 --> 00:36:45,200
Speaker 2: for dinner or something, and I'm like, no, so I

788
00:36:45,320 --> 00:36:48,640
Speaker 2: do kind of miss out on things I would, you know,

789
00:36:48,760 --> 00:36:52,240
Speaker 2: obviously like to kind of lengthen that out a little

790
00:36:52,280 --> 00:36:54,799
Speaker 2: bit or try and work on ways that I can,

791
00:36:55,400 --> 00:36:59,440
Speaker 2: you know, maybe extend my budget to allocate fun things.

792
00:36:59,600 --> 00:37:03,080
Speaker 2: But I've sound really boring actually now that I'm talking,

793
00:37:03,400 --> 00:37:05,160
Speaker 2: no sound boring.

794
00:37:05,239 --> 00:37:07,799
Speaker 3: I think you sound relatable because so many of us

795
00:37:08,200 --> 00:37:10,239
Speaker 3: are going, like, you know, we don't know have one

796
00:37:10,320 --> 00:37:12,960
Speaker 3: hundred and fifty grand saved, but so many of us

797
00:37:13,000 --> 00:37:14,640
Speaker 3: are like, oh, that's holding me back off?

798
00:37:14,680 --> 00:37:15,120
Speaker 1: But is it?

799
00:37:15,280 --> 00:37:15,880
Speaker 2: But isn't it?

800
00:37:16,040 --> 00:37:19,040
Speaker 3: Like life is stressful my friends, like so many of

801
00:37:19,200 --> 00:37:21,719
Speaker 3: us are just trying to get by, and then we

802
00:37:21,920 --> 00:37:24,440
Speaker 3: identify things that we're like, oh, I'm struggling with that.

803
00:37:24,600 --> 00:37:27,400
Speaker 3: But I also have never heard someone say that they're struggling,

804
00:37:27,520 --> 00:37:29,920
Speaker 3: especially around money. Like how many times have you heard

805
00:37:29,960 --> 00:37:32,719
Speaker 3: someone outside of the She's on the Money and like

806
00:37:32,800 --> 00:37:36,120
Speaker 3: the podcast Money Space, say oh, I'm really struggling with

807
00:37:36,239 --> 00:37:38,919
Speaker 3: my scarcity mindset. It's holding me back from creating wealth

808
00:37:39,000 --> 00:37:43,640
Speaker 3: or creating happiness. Like these aren't questions that we know

809
00:37:43,800 --> 00:37:47,040
Speaker 3: the answers to, Like we just don't. So I think

810
00:37:47,120 --> 00:37:49,880
Speaker 3: it's so important that we talk about this and go,

811
00:37:50,280 --> 00:37:52,160
Speaker 3: what about that is holding you back or you know

812
00:37:52,320 --> 00:37:54,600
Speaker 3: what's going on? And you're saying, hey, Vey, well not

813
00:37:54,800 --> 00:37:56,719
Speaker 3: really holding me back, but I am missing out on

814
00:37:56,840 --> 00:37:59,800
Speaker 3: like life experiences with my friends, and like that's what

815
00:37:59,880 --> 00:38:03,040
Speaker 3: I would want to build. Wow, how insightful is that

816
00:38:03,200 --> 00:38:05,320
Speaker 3: for us to know? And how insightful. Is it that

817
00:38:05,480 --> 00:38:07,800
Speaker 3: somebody gets to listen to this money story and go

818
00:38:08,120 --> 00:38:10,560
Speaker 3: hold on? That's how I'm feeling. That's crazy, Like I

819
00:38:10,640 --> 00:38:13,960
Speaker 3: thought it was just me, Like I think it's just

820
00:38:14,080 --> 00:38:14,800
Speaker 3: really special.

821
00:38:15,719 --> 00:38:19,120
Speaker 2: Yeah, it's good, but it's also not good at the

822
00:38:19,160 --> 00:38:21,399
Speaker 2: same time. So I'd like to get to a good,

823
00:38:21,719 --> 00:38:24,200
Speaker 2: happy meeting. I do get it. I do get it.

824
00:38:25,160 --> 00:38:25,880
Speaker 2: So tell me.

825
00:38:26,320 --> 00:38:28,880
Speaker 3: Now that we've spoken, I feel like you're a bit

826
00:38:28,920 --> 00:38:32,680
Speaker 3: of a weapon. Also, you just like you've gotten back up,

827
00:38:32,760 --> 00:38:35,560
Speaker 3: dusted yourself off, and been like, I actually don't need that, man,

828
00:38:35,680 --> 00:38:37,680
Speaker 3: I'll just get a newer, better one. And then you

829
00:38:37,800 --> 00:38:41,520
Speaker 3: did like be so for real, like that is a

830
00:38:41,640 --> 00:38:44,919
Speaker 3: hot girl move. Now that we've spoken, do you really

831
00:38:45,080 --> 00:38:47,759
Speaker 3: feel like you are just to be?

832
00:38:48,320 --> 00:38:48,360
Speaker 1: Like?

833
00:38:48,520 --> 00:38:50,320
Speaker 3: I don't know what would make you an a? What

834
00:38:50,440 --> 00:38:52,160
Speaker 3: do you have to do to get to become an

835
00:38:52,280 --> 00:38:55,720
Speaker 3: a given you're so young and have so much ahead

836
00:38:55,760 --> 00:38:55,920
Speaker 3: of you.

837
00:38:56,600 --> 00:38:59,759
Speaker 2: I don't know. Actually, I think probably to become an

838
00:39:01,080 --> 00:39:04,399
Speaker 2: it would mean that I do have I guess better,

839
00:39:05,040 --> 00:39:08,120
Speaker 2: I guess relationships in terms of money where it's not

840
00:39:08,280 --> 00:39:11,759
Speaker 2: like I'm constantly holding onto it, and you know, it's

841
00:39:11,800 --> 00:39:15,239
Speaker 2: something that I constantly think about. I just don't have

842
00:39:15,440 --> 00:39:17,600
Speaker 2: enough of like, and I think that's the thing. I'll

843
00:39:17,680 --> 00:39:21,320
Speaker 2: never have enough of it no matter what my goal is,

844
00:39:21,440 --> 00:39:23,520
Speaker 2: no matter what I reach, it will never be enough

845
00:39:23,600 --> 00:39:26,719
Speaker 2: to me. So I think that is probably the only

846
00:39:26,800 --> 00:39:30,160
Speaker 2: thing kind of holding me back at the moment. It's

847
00:39:30,200 --> 00:39:32,800
Speaker 2: like a blessing and a curse really, But that's.

848
00:39:32,680 --> 00:39:34,960
Speaker 3: Also not the worst thing. But it does sound like

849
00:39:35,080 --> 00:39:38,000
Speaker 3: maybe it's not a I have to save more, I

850
00:39:38,080 --> 00:39:40,319
Speaker 3: have to buy an investment property for me. It sounds

851
00:39:40,320 --> 00:39:43,120
Speaker 3: a little bit more around your money mindset and like

852
00:39:43,280 --> 00:39:46,640
Speaker 3: feeling comfortable and like getting really comfort in this relationship

853
00:39:46,760 --> 00:39:49,800
Speaker 3: that you're now in about how you manage money moving forward,

854
00:39:49,840 --> 00:39:51,560
Speaker 3: because you just don't want that to be something that

855
00:39:52,040 --> 00:39:54,319
Speaker 3: you know Lord's over you for the rest of it ever,

856
00:39:54,600 --> 00:39:56,960
Speaker 3: Like I just feel like that could be all all

857
00:39:57,080 --> 00:40:01,360
Speaker 3: consuming and overwhelming, right, Yeah, exactly, no, And that's not

858
00:40:01,480 --> 00:40:04,000
Speaker 3: the worst thing to want to work on, right, And

859
00:40:04,160 --> 00:40:05,840
Speaker 3: like I talk a lot about it in my books,

860
00:40:05,880 --> 00:40:07,879
Speaker 3: as you would probably know. So I'm going to gift

861
00:40:07,920 --> 00:40:10,600
Speaker 3: you my money masterclass to do because as much as

862
00:40:10,640 --> 00:40:13,839
Speaker 3: it's just a budget, right, it's also got so many

863
00:40:14,080 --> 00:40:17,160
Speaker 3: videos about money mindset and getting on the same page

864
00:40:17,239 --> 00:40:20,080
Speaker 3: and like feeling confident with money, and I just think

865
00:40:20,160 --> 00:40:23,200
Speaker 3: that you might benefit from that and if that even

866
00:40:23,320 --> 00:40:26,200
Speaker 3: pushes you to a B plus, I would love that.

867
00:40:26,680 --> 00:40:29,719
Speaker 2: I would love that too. Thank you. I appreciate the door.

868
00:40:30,120 --> 00:40:32,000
Speaker 3: Oh I'm glad. I was worried that you'd be like

869
00:40:32,160 --> 00:40:34,040
Speaker 3: no V, like I already have it.

870
00:40:34,200 --> 00:40:38,719
Speaker 2: Or I was going to buy it, like probably two

871
00:40:38,840 --> 00:40:40,600
Speaker 2: months ago. I was like I'm going to buy it,

872
00:40:40,719 --> 00:40:41,960
Speaker 2: and then I didn't end up doing it.

873
00:40:42,000 --> 00:40:43,799
Speaker 3: I think, well, I'm glad you did it because you've

874
00:40:43,880 --> 00:40:46,319
Speaker 3: just saved and like I'll gift it to you as

875
00:40:46,360 --> 00:40:47,680
Speaker 3: a little bit of a thank you for doing the

876
00:40:47,760 --> 00:40:49,680
Speaker 3: money don't with me, because I'm like, hold on, this

877
00:40:49,760 --> 00:40:51,920
Speaker 3: would really work for you, and like I think you'll

878
00:40:51,960 --> 00:40:55,120
Speaker 3: find the budget, like the actual spreadsheet really empowering as well,

879
00:40:55,280 --> 00:40:58,120
Speaker 3: especially if you're trying to like plan out what's next

880
00:40:58,280 --> 00:41:00,680
Speaker 3: or where you're going and what that looks like. I'm

881
00:41:00,719 --> 00:41:02,560
Speaker 3: excited for you to do it, but I'm also just

882
00:41:02,680 --> 00:41:05,440
Speaker 3: really grateful that I've had the opportunity to do this

883
00:41:05,600 --> 00:41:07,640
Speaker 3: money diary with you and like share a bit of

884
00:41:07,680 --> 00:41:11,400
Speaker 3: your story and you know, throw some mean words around

885
00:41:11,440 --> 00:41:15,400
Speaker 3: about your expert from my side, not yours. I were

886
00:41:15,560 --> 00:41:18,760
Speaker 3: very respectful, and you know what, maybe no one's broken

887
00:41:18,840 --> 00:41:21,640
Speaker 3: up with me like that because they just know that

888
00:41:21,840 --> 00:41:24,239
Speaker 3: I would be savage, like I'd be so rude, like

889
00:41:24,320 --> 00:41:25,200
Speaker 3: I'd get canceled.

890
00:41:25,280 --> 00:41:26,640
Speaker 2: No one cancels Victoria to more.

891
00:41:26,680 --> 00:41:28,279
Speaker 3: They've tried, and you know.

892
00:41:28,320 --> 00:41:29,000
Speaker 2: What, pop off.

893
00:41:29,160 --> 00:41:31,800
Speaker 3: Sometimes they're right. Sometimes I need to pull my head in.

894
00:41:32,120 --> 00:41:33,560
Speaker 3: But at least I'm honest.

895
00:41:33,440 --> 00:41:36,160
Speaker 2: You know, not on my watch. No, it's not happening.

896
00:41:36,280 --> 00:41:37,160
Speaker 2: I appreciate you.

897
00:41:37,480 --> 00:41:39,719
Speaker 3: It has been an absolute pleasure. Thank you so much

898
00:41:39,760 --> 00:41:40,400
Speaker 3: for joining us.

899
00:41:40,480 --> 00:41:41,200
Speaker 2: Thanks for having me.

900
00:41:46,360 --> 00:41:48,880
Speaker 4: The advice shared on She's on the Money is general

901
00:41:48,960 --> 00:41:52,800
Speaker 4: in nature and does not consider your individual circumstances. She's

902
00:41:52,840 --> 00:41:56,280
Speaker 4: on the Money exists purely for educational purposes and should

903
00:41:56,360 --> 00:41:59,480
Speaker 4: not be relied upon to make an investment or financial decision.

904
00:41:59,840 --> 00:42:02,319
Speaker 4: If you do choose to buy a financial product, read

905
00:42:02,360 --> 00:42:06,480
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

906
00:42:06,520 --> 00:42:09,799
Speaker 4: your needs. Victoria Divine and She's on the Money are

907
00:42:09,880 --> 00:42:13,480
Speaker 4: authorized representatives of Money sherper P T y lt D

908
00:42:13,760 --> 00:42:16,440
Speaker 4: A b N three two one six four nine two

909
00:42:16,560 --> 00:42:20,160
Speaker 4: seven seven zero eight AFS L four five one two

910
00:42:20,280 --> 00:42:20,759
Speaker 4: eight nine