1 00:00:09,800 --> 00:00:13,600 Speaker 1: Welcome to the Rise and Conquer Podcasts. This podcast is 2 00:00:13,600 --> 00:00:16,320 Speaker 1: for women who want to take ownership of their lives, 3 00:00:16,640 --> 00:00:20,480 Speaker 1: live unapologetically, and are ready to turn their biggest dreams 4 00:00:20,560 --> 00:00:23,759 Speaker 1: into their reality. If you're ready to be armed with 5 00:00:23,840 --> 00:00:27,480 Speaker 1: the tools that will inspire to take bold action, feel 6 00:00:27,520 --> 00:00:31,160 Speaker 1: confident within yourself, and conquer your goals, then you've come 7 00:00:31,200 --> 00:00:34,840 Speaker 1: to the right place. I'm your host, Georgie Stevenson. I'm 8 00:00:34,840 --> 00:00:38,720 Speaker 1: a lawyer turned entrepreneur, co founder of Naked Harvest Supplements, 9 00:00:38,800 --> 00:00:42,640 Speaker 1: and social media personality with a community of over three 10 00:00:42,720 --> 00:00:46,199 Speaker 1: hundred thousand. I grew up believing I had to pursue 11 00:00:46,240 --> 00:00:49,360 Speaker 1: the safe option and fit into a mold others had 12 00:00:49,400 --> 00:00:52,240 Speaker 1: created for me. But then I entered my corporate law 13 00:00:52,320 --> 00:00:55,200 Speaker 1: job and I realized that settling for a reality that 14 00:00:55,320 --> 00:00:58,120 Speaker 1: didn't set my soul on fire was something I was 15 00:00:58,200 --> 00:01:01,000 Speaker 1: not prepared to do. I want to more, and I 16 00:01:01,080 --> 00:01:04,280 Speaker 1: have a feeling you do too. Join me and special 17 00:01:04,319 --> 00:01:07,040 Speaker 1: guests weekly as we get down to the nitty gritty 18 00:01:07,120 --> 00:01:11,720 Speaker 1: on all things health, mastering your mindset, creating lasting habits, 19 00:01:11,959 --> 00:01:15,559 Speaker 1: thriving in your career and relationships, plus so much more, 20 00:01:16,000 --> 00:01:19,840 Speaker 1: and together we'll gain the knowledge and perspective to pursue 21 00:01:19,840 --> 00:01:23,440 Speaker 1: our wildest dreams and kick fear to the curb. Well, 22 00:01:23,440 --> 00:01:36,399 Speaker 1: what are you waiting for? Let's rise and conquer. Hi guys, 23 00:01:36,480 --> 00:01:40,880 Speaker 1: and welcome to another money Chat series. As we all know, 24 00:01:41,040 --> 00:01:43,640 Speaker 1: the current state of the world is feeling a bit 25 00:01:43,760 --> 00:01:46,720 Speaker 1: scary and a bit uncertain with all the talk of 26 00:01:46,840 --> 00:01:49,840 Speaker 1: the potential recession floating in the air, and many of 27 00:01:49,920 --> 00:01:53,000 Speaker 1: us are working from home or even out of work. 28 00:01:53,320 --> 00:01:56,040 Speaker 1: Money in the economy is definitely something that has been 29 00:01:56,080 --> 00:01:59,120 Speaker 1: on all our minds. So in today's money series Chat, 30 00:01:59,400 --> 00:02:02,240 Speaker 1: I sit down with Ida Shabanz to tackle the questions 31 00:02:02,240 --> 00:02:06,400 Speaker 1: you guys ask in the Facebook community surrounding coronavirus and 32 00:02:06,480 --> 00:02:10,480 Speaker 1: its effect on money, property shares and what we should 33 00:02:10,520 --> 00:02:13,920 Speaker 1: be doing about it. Ida is one of Australia's leading 34 00:02:14,040 --> 00:02:17,800 Speaker 1: gen y property educators whose purpose is to help millennials 35 00:02:18,120 --> 00:02:21,320 Speaker 1: achieve their money goals. She is the managing director of 36 00:02:21,400 --> 00:02:26,000 Speaker 1: several multimillion dollar property and finance companies across Australia and Asia, 37 00:02:26,320 --> 00:02:29,080 Speaker 1: and she's even my money coach too. As you know 38 00:02:29,160 --> 00:02:33,000 Speaker 1: from previous episodes, she imparts so much wisdom about finance 39 00:02:33,000 --> 00:02:35,120 Speaker 1: and property and we're really lucky to have her on 40 00:02:35,160 --> 00:02:38,720 Speaker 1: the show, so let's get straight into it. Welcome to 41 00:02:38,720 --> 00:02:39,040 Speaker 1: the show. 42 00:02:39,040 --> 00:02:40,880 Speaker 2: Ida, Hey, Georgie, how are you. 43 00:02:41,280 --> 00:02:42,480 Speaker 1: I'm good? How are you? 44 00:02:43,320 --> 00:02:43,840 Speaker 2: I'm good? 45 00:02:44,120 --> 00:02:47,560 Speaker 3: You know, I feel like, yes, there is uncertainty, but 46 00:02:47,560 --> 00:02:50,639 Speaker 3: there's definitely things that we can do. Rather than get 47 00:02:50,880 --> 00:02:55,120 Speaker 3: overwhelmed with the fear of what's happening, we can actually 48 00:02:55,240 --> 00:02:58,760 Speaker 3: just take some steps and be in control of what 49 00:02:58,840 --> 00:02:59,840 Speaker 3: we can be in control. 50 00:03:00,120 --> 00:03:00,680 Speaker 2: So I'm good. 51 00:03:00,720 --> 00:03:03,280 Speaker 3: I mean, a lot of crisis management in the office 52 00:03:03,320 --> 00:03:06,200 Speaker 3: going on, and a lot of changes, but you know, 53 00:03:07,200 --> 00:03:08,160 Speaker 3: you just got to deal with it. 54 00:03:08,360 --> 00:03:12,320 Speaker 1: Yeah, it's one hundred percent like we can't control what 55 00:03:12,400 --> 00:03:15,400 Speaker 1: happens to us, but we can control how we react 56 00:03:15,440 --> 00:03:20,680 Speaker 1: to it. Yes, So before we get into the Facebook questions, 57 00:03:20,840 --> 00:03:24,080 Speaker 1: I wanted to just get your personal opinion on what 58 00:03:24,200 --> 00:03:27,400 Speaker 1: is your thoughts on how the media is currently like 59 00:03:27,520 --> 00:03:29,400 Speaker 1: spinning and talking about coronavirus. 60 00:03:30,280 --> 00:03:33,400 Speaker 3: Look, you know, unfortunately we live in a world where 61 00:03:33,600 --> 00:03:37,680 Speaker 3: a lot of us are conditioned to more negative so 62 00:03:38,520 --> 00:03:41,280 Speaker 3: day to day normally with the news and the media, 63 00:03:41,320 --> 00:03:45,440 Speaker 3: we're always conditioned to want to hear bad news, you know, 64 00:03:46,000 --> 00:03:49,560 Speaker 3: So unfortunately, if that's what sells and more people are 65 00:03:49,640 --> 00:03:53,360 Speaker 3: drawn to it, that's kind of what's happening. So with 66 00:03:53,480 --> 00:03:56,480 Speaker 3: the media, with things like this, they can kind of 67 00:03:56,640 --> 00:04:00,760 Speaker 3: take one episode or one thing and really blow it 68 00:04:00,800 --> 00:04:04,680 Speaker 3: out a portion. I don't believe that the coronavirus is 69 00:04:04,680 --> 00:04:07,720 Speaker 3: something that we shouldn't take seriously one hundred percent, but 70 00:04:07,800 --> 00:04:11,000 Speaker 3: I do believe that what's missing is the actual education 71 00:04:11,160 --> 00:04:14,520 Speaker 3: that we need around what's going on, rather than the 72 00:04:14,680 --> 00:04:19,479 Speaker 3: constant talks around the fear based news. And you know, 73 00:04:19,520 --> 00:04:22,039 Speaker 3: I wouldn't say it's all fake, but it's just really 74 00:04:22,080 --> 00:04:25,240 Speaker 3: taking one thing and just constantly talking about it. So 75 00:04:25,320 --> 00:04:28,960 Speaker 3: for example, in Australia, in comparison to the rest of 76 00:04:29,000 --> 00:04:32,159 Speaker 3: the world, we're actually quite low in terms of what 77 00:04:32,240 --> 00:04:35,479 Speaker 3: the effect has been. However, what you're hearing on the 78 00:04:35,560 --> 00:04:40,000 Speaker 3: news is like someone died today, instead of talking about 79 00:04:40,080 --> 00:04:42,839 Speaker 3: what we've done well as a nation, what we are doing, 80 00:04:43,200 --> 00:04:46,159 Speaker 3: how to educate people on why it's important to not 81 00:04:46,520 --> 00:04:48,400 Speaker 3: shake hands or you know, a lot of people are 82 00:04:48,400 --> 00:04:49,200 Speaker 3: not educated. 83 00:04:49,360 --> 00:04:51,599 Speaker 2: Like I did a post the other day. 84 00:04:51,560 --> 00:04:55,240 Speaker 3: Around just the fact of the reason why you shouldn't 85 00:04:55,279 --> 00:04:58,039 Speaker 3: touch surfaces or you need to sanitize, and people like, 86 00:04:58,040 --> 00:04:59,880 Speaker 3: oh my god, I didn't know that, And I'm like, 87 00:05:00,120 --> 00:05:03,640 Speaker 3: so someone talked about it the other day, of banning. Actually, 88 00:05:03,680 --> 00:05:06,360 Speaker 3: a friend of mine said they should ban the news 89 00:05:06,360 --> 00:05:11,279 Speaker 3: reporters from speaking about these type of things. Instead stream 90 00:05:11,440 --> 00:05:15,680 Speaker 3: to scientists and health practitioners and they're the only people 91 00:05:15,720 --> 00:05:18,760 Speaker 3: that can talk about it. Yeah, so, you know, I 92 00:05:18,800 --> 00:05:22,720 Speaker 3: think the media is something that we get information from. 93 00:05:22,720 --> 00:05:25,600 Speaker 3: But just be very more educated and well aware of 94 00:05:25,680 --> 00:05:28,880 Speaker 3: what's actually going on in comparison to the world, and 95 00:05:28,920 --> 00:05:31,120 Speaker 3: be educated about how you can keep safe. 96 00:05:31,360 --> 00:05:33,960 Speaker 1: Yeah, one hundred percent. I have been making a very 97 00:05:34,000 --> 00:05:38,280 Speaker 1: conscious effort of not consuming TV news and just like 98 00:05:38,560 --> 00:05:41,440 Speaker 1: random articles that keep popping up, and just being very 99 00:05:41,480 --> 00:05:44,840 Speaker 1: conscious of you know, with stuff about coronavirus, only going 100 00:05:44,880 --> 00:05:47,760 Speaker 1: to like World Health Organization and those sorts of things 101 00:05:47,839 --> 00:05:51,440 Speaker 1: rather than just like could you can almost get fatigue 102 00:05:51,839 --> 00:05:56,880 Speaker 1: with so many news outlets covering so much. So I'm 103 00:05:56,880 --> 00:05:58,880 Speaker 1: just being very conscious about what I consume. 104 00:05:59,080 --> 00:06:03,760 Speaker 3: Yeah, exactly when these type of situations, just check the websites, 105 00:06:03,800 --> 00:06:06,640 Speaker 3: the government websites and the local you know, like just 106 00:06:06,720 --> 00:06:09,400 Speaker 3: be aware of what's going on. Just give yourself a 107 00:06:09,440 --> 00:06:11,480 Speaker 3: time like okay in the morning or at nighttime. I'm 108 00:06:11,520 --> 00:06:14,000 Speaker 3: just going to keep aware. But trust me, everyone's an 109 00:06:14,040 --> 00:06:16,719 Speaker 3: expert right now. Like the amount of Uber drivers that 110 00:06:16,760 --> 00:06:19,800 Speaker 3: I was in in Sydney before coming back to Queensland 111 00:06:20,120 --> 00:06:23,080 Speaker 3: that you know, they're the experts and so you you know, 112 00:06:23,160 --> 00:06:25,640 Speaker 3: this stuff is traveling really fast, so just be well 113 00:06:25,680 --> 00:06:29,360 Speaker 3: aware of what information you're is true, what you need 114 00:06:29,400 --> 00:06:31,960 Speaker 3: to be aware of. And just that's like exactly like 115 00:06:32,040 --> 00:06:35,560 Speaker 3: you said, don't get pulled into this black hole of 116 00:06:35,640 --> 00:06:38,479 Speaker 3: like we should just all roll over and you know die. 117 00:06:39,440 --> 00:06:43,000 Speaker 1: One hundred percent. I love that perspective. And so can 118 00:06:43,000 --> 00:06:46,239 Speaker 1: you chat to us a little bit about the safety 119 00:06:46,279 --> 00:06:49,360 Speaker 1: measures that you have put in your own company, grow 120 00:06:49,480 --> 00:06:52,559 Speaker 1: group and just around yourself personally. What are you doing 121 00:06:52,600 --> 00:06:54,520 Speaker 1: to you know, be proactive and be aware. 122 00:06:54,839 --> 00:06:58,240 Speaker 3: Yeah, So, I mean I actually was kind of because 123 00:06:58,240 --> 00:07:00,720 Speaker 3: we have a lot of involvement with Asia and I've 124 00:07:00,800 --> 00:07:03,039 Speaker 3: kind of been watching this well before it's kind of 125 00:07:03,040 --> 00:07:06,200 Speaker 3: really reached. I feel like it's been really slight time 126 00:07:06,320 --> 00:07:09,680 Speaker 3: pages ago, and so I feel like because I was 127 00:07:09,680 --> 00:07:11,400 Speaker 3: traveling to us at that time, I feel like we've 128 00:07:11,400 --> 00:07:13,320 Speaker 3: been a little bit slow to come on board. But 129 00:07:13,880 --> 00:07:16,560 Speaker 3: I've always been aware and kind of watching what's going on. 130 00:07:16,760 --> 00:07:20,480 Speaker 3: So we have as a company, obviously, we do a 131 00:07:20,480 --> 00:07:23,400 Speaker 3: lot of dealings with people, especially with inspections and things 132 00:07:23,440 --> 00:07:26,160 Speaker 3: like that. We've had to really look at, well, how 133 00:07:26,160 --> 00:07:29,000 Speaker 3: can we keep our stuff safe? 134 00:07:29,040 --> 00:07:30,080 Speaker 2: How can we not spread? 135 00:07:30,120 --> 00:07:33,200 Speaker 3: So we've got you know, in place sanitizing, we've got 136 00:07:33,200 --> 00:07:35,920 Speaker 3: a real set process of people when they have to 137 00:07:36,000 --> 00:07:40,520 Speaker 3: go into a property, they're wiping down things, wiping down surfaces, 138 00:07:40,560 --> 00:07:43,280 Speaker 3: you know, anything that they touch, washing their hands frequently. 139 00:07:43,840 --> 00:07:45,960 Speaker 3: And we're having like that whole meter and a half 140 00:07:46,000 --> 00:07:50,280 Speaker 3: between people, don't shake hands anything like, you know, the 141 00:07:50,360 --> 00:07:53,080 Speaker 3: basic things that we're all being told, but really putting in. 142 00:07:53,040 --> 00:07:54,640 Speaker 2: A process and a policy. 143 00:07:55,120 --> 00:07:58,040 Speaker 3: We have had to introduce a lot of policies really 144 00:07:58,160 --> 00:08:01,280 Speaker 3: quickly around our company policy as to this is the 145 00:08:01,320 --> 00:08:03,600 Speaker 3: steps that you need to follow. I think one of 146 00:08:03,600 --> 00:08:06,480 Speaker 3: the things that people haven't you know, that are struggling, 147 00:08:06,480 --> 00:08:09,720 Speaker 3: that haven't done well, is to come through quickly with 148 00:08:09,840 --> 00:08:14,160 Speaker 3: steps people can follow. So generally people they get scared 149 00:08:14,360 --> 00:08:17,840 Speaker 3: and they're looking for leaders. So as leaders of organizations 150 00:08:17,920 --> 00:08:21,480 Speaker 3: or leaders, as we all need leaders. So rather than 151 00:08:21,680 --> 00:08:23,960 Speaker 3: just talking about the problem, well, what are the steps 152 00:08:24,000 --> 00:08:27,320 Speaker 3: we can take to minimize this right so quickly as 153 00:08:27,320 --> 00:08:29,560 Speaker 3: a company, we had meetings, we sat down with lawyers, 154 00:08:29,600 --> 00:08:31,800 Speaker 3: we sat down with our staff, these are the steps 155 00:08:31,840 --> 00:08:34,559 Speaker 3: we're going to take, and each day we're reassessing the situation. 156 00:08:35,240 --> 00:08:37,160 Speaker 3: So okay, well maybe we need to go to the 157 00:08:37,160 --> 00:08:40,960 Speaker 3: next extreme and the next extreme. So just looking at 158 00:08:41,280 --> 00:08:44,920 Speaker 3: steps and communicating that with each other, having really clear 159 00:08:44,920 --> 00:08:48,160 Speaker 3: communication between our staff and everyone to make sure people 160 00:08:48,160 --> 00:08:51,280 Speaker 3: are safe, making sure people put in their timetables where 161 00:08:51,280 --> 00:08:54,400 Speaker 3: they are so in the event that someone has got ill, 162 00:08:54,440 --> 00:08:55,800 Speaker 3: we know exactly who to notify. 163 00:08:56,200 --> 00:08:57,480 Speaker 1: Yeah, amazing. 164 00:08:57,679 --> 00:09:01,480 Speaker 3: And then just on a personal level, I mean I 165 00:09:01,600 --> 00:09:02,640 Speaker 3: always sanitize. 166 00:09:02,960 --> 00:09:04,559 Speaker 1: Yeah, I've always quite hygienic. 167 00:09:04,760 --> 00:09:07,360 Speaker 3: So I'm like, I've always been the person that gets 168 00:09:07,360 --> 00:09:10,400 Speaker 3: on the plane and sanitizes like the seatbelt and all 169 00:09:10,440 --> 00:09:13,240 Speaker 3: that because I travel so much. True, I'm always like, 170 00:09:13,320 --> 00:09:16,439 Speaker 3: I can't afford to get sick. So I've been following 171 00:09:16,480 --> 00:09:17,880 Speaker 3: these measures for a while. 172 00:09:18,320 --> 00:09:18,800 Speaker 1: I love that. 173 00:09:19,640 --> 00:09:22,160 Speaker 3: But Yeah, we canceled some of our events, even though 174 00:09:22,160 --> 00:09:24,559 Speaker 3: they're not more than you know, five hundred, but we. 175 00:09:24,600 --> 00:09:25,760 Speaker 2: Just took that step. 176 00:09:26,280 --> 00:09:29,400 Speaker 3: And we've just yeah, minimizing the number of people through 177 00:09:29,440 --> 00:09:33,160 Speaker 3: opens and inspections and all of our meetings. You know, 178 00:09:33,240 --> 00:09:35,120 Speaker 3: everyone's already prepared because we do a lot of our 179 00:09:35,120 --> 00:09:38,319 Speaker 3: stuff on video, yeah, and cloud our stuff can work 180 00:09:38,320 --> 00:09:38,880 Speaker 3: from anywhere. 181 00:09:39,000 --> 00:09:41,040 Speaker 1: Yeah, so we're the same with Naked Harbist, like we 182 00:09:41,200 --> 00:09:44,240 Speaker 1: have been doing anyone who can work remotely, like we 183 00:09:44,320 --> 00:09:46,719 Speaker 1: do that. And then we also have had quite a 184 00:09:46,760 --> 00:09:49,080 Speaker 1: few meetings with like oz Post just to sort of 185 00:09:49,120 --> 00:09:52,160 Speaker 1: make sure the practices and policies and procedures and all 186 00:09:52,200 --> 00:09:54,800 Speaker 1: that sort of stuff. So I love what you're touching 187 00:09:54,840 --> 00:09:57,480 Speaker 1: on there. I also wanted to ask you you don't 188 00:09:57,480 --> 00:10:01,080 Speaker 1: really seem too anxious you think about it, looks like 189 00:10:01,080 --> 00:10:03,720 Speaker 1: you've got everything. So which is that's very much the 190 00:10:03,760 --> 00:10:09,679 Speaker 1: person you are. But personally around just uncertainty, because especially 191 00:10:09,720 --> 00:10:13,640 Speaker 1: with your company and just around your lifestyle, like you 192 00:10:14,160 --> 00:10:16,240 Speaker 1: don't know what's going to happen? What do you do 193 00:10:16,360 --> 00:10:18,320 Speaker 1: personally just to feel a bit more grounded? 194 00:10:19,040 --> 00:10:23,320 Speaker 3: I think personally I've been doing more meditation. Yes, like 195 00:10:23,440 --> 00:10:26,600 Speaker 3: this morning I made too, Like I was like like 196 00:10:26,800 --> 00:10:31,000 Speaker 3: I did my yoga stretching, meditated and like centered. All right, 197 00:10:31,040 --> 00:10:32,720 Speaker 3: how am I going to cope? Like what's the plan 198 00:10:32,920 --> 00:10:34,880 Speaker 3: of the day. Yeah, you know, if you get too 199 00:10:34,960 --> 00:10:37,040 Speaker 3: much in your head about it all, you just kind 200 00:10:37,040 --> 00:10:40,600 Speaker 3: of like freeze. So, as I said, we do like 201 00:10:40,640 --> 00:10:43,680 Speaker 3: a morning stand up. So each morning with different teams. 202 00:10:43,720 --> 00:10:45,480 Speaker 3: I'll have like a ten minute stand up where we 203 00:10:45,520 --> 00:10:47,920 Speaker 3: stand up. Whether it's on videos or we just stand 204 00:10:48,000 --> 00:10:51,240 Speaker 3: up on video call, it's called stand up. So you 205 00:10:51,280 --> 00:10:53,360 Speaker 3: have to stand up and you share what your tasks 206 00:10:53,360 --> 00:10:55,640 Speaker 3: on priorities are for the day, and you kind of 207 00:10:55,720 --> 00:10:58,920 Speaker 3: all like centering and connecting. So you're like, Okay, this 208 00:10:59,000 --> 00:11:00,640 Speaker 3: is what we're doing. That's what I'm doing. Is that 209 00:11:00,760 --> 00:11:01,520 Speaker 3: am my own track? 210 00:11:01,679 --> 00:11:02,359 Speaker 2: Yeah? 211 00:11:02,520 --> 00:11:05,400 Speaker 3: So I think just knowing that my teams, you know, 212 00:11:05,679 --> 00:11:09,439 Speaker 3: I'm calm, my teams come but meditating and at the 213 00:11:09,520 --> 00:11:12,800 Speaker 3: end of the day, like I feel like you have 214 00:11:12,880 --> 00:11:16,480 Speaker 3: to get your finances in order. So as a company, 215 00:11:17,080 --> 00:11:19,679 Speaker 3: reviewing everything and we'll talk about this a little bit later. 216 00:11:19,880 --> 00:11:24,520 Speaker 3: But it's because I know, Okay, I've been through crisises before, 217 00:11:24,840 --> 00:11:28,760 Speaker 3: and because I've been through situations before, I'm well prepared 218 00:11:28,800 --> 00:11:31,160 Speaker 3: to know what needs to happen and I'm acting quickly. 219 00:11:31,480 --> 00:11:31,720 Speaker 1: Yeah. 220 00:11:31,920 --> 00:11:34,960 Speaker 3: The thing is is, don't procrastinate decisions you know you 221 00:11:35,000 --> 00:11:36,040 Speaker 3: probably need to make. 222 00:11:36,160 --> 00:11:37,920 Speaker 2: You just got to make them move forward. 223 00:11:38,320 --> 00:11:41,000 Speaker 1: Yeah. I love that. Well, let's get into it. So 224 00:11:41,200 --> 00:11:45,320 Speaker 1: I did a questions comment in the Rise and Conker 225 00:11:45,360 --> 00:11:49,000 Speaker 1: Facebook group and we had heaps of comments this is 226 00:11:49,120 --> 00:11:52,880 Speaker 1: it's very scary an uncertain times, so people are wanting 227 00:11:52,960 --> 00:11:55,240 Speaker 1: to know what they need to be doing with their 228 00:11:55,280 --> 00:11:57,000 Speaker 1: money and propping and all that sort of thing. So 229 00:11:57,120 --> 00:11:59,679 Speaker 1: let's get straight into it. So I'm going to be 230 00:11:59,760 --> 00:12:03,000 Speaker 1: reading the questions exactly like they've been brought up on 231 00:12:03,000 --> 00:12:07,160 Speaker 1: the Facebook group. So first one, Claudia asks what is 232 00:12:07,200 --> 00:12:10,720 Speaker 1: your take on the potential recession. Do you think it's 233 00:12:10,840 --> 00:12:14,360 Speaker 1: just a scare and part of the hysteria or do 234 00:12:14,400 --> 00:12:17,440 Speaker 1: you think it will pick back up once Krona is over. 235 00:12:18,280 --> 00:12:20,920 Speaker 3: Yeah, things will pick back up and move, but there 236 00:12:21,000 --> 00:12:22,720 Speaker 3: will there is no doubt that there will. 237 00:12:22,600 --> 00:12:23,720 Speaker 2: Be slow in the economy. 238 00:12:24,120 --> 00:12:27,679 Speaker 3: When you're seeing countries shut down, that means that businesses 239 00:12:27,760 --> 00:12:33,079 Speaker 3: can't operate. So when businesses rely on customers and everything 240 00:12:33,160 --> 00:12:35,840 Speaker 3: is shut down, of course is going to be a 241 00:12:35,920 --> 00:12:39,680 Speaker 3: flow on effect. So anyone saying there isn't that happening 242 00:12:39,880 --> 00:12:41,960 Speaker 3: is like, I don't know, they're living in it some 243 00:12:42,000 --> 00:12:43,360 Speaker 3: sort of bubble that we don't live in. 244 00:12:43,720 --> 00:12:45,920 Speaker 2: So there will be the effect of that. 245 00:12:45,960 --> 00:12:50,040 Speaker 3: We haven't actually ever experienced something like this, but we 246 00:12:50,120 --> 00:12:55,440 Speaker 3: have all experienced recisions and you know, downturns. But after 247 00:12:55,600 --> 00:12:58,120 Speaker 3: a period of time, things will return. How long will 248 00:12:58,120 --> 00:13:00,440 Speaker 3: that take? We don't know, because again we have this 249 00:13:00,520 --> 00:13:04,960 Speaker 3: is uncharted territory. But we have to understand that there's 250 00:13:05,000 --> 00:13:09,120 Speaker 3: also opportunity in times like this. So what happens in cycles, 251 00:13:09,160 --> 00:13:13,080 Speaker 3: There's always got to be corrections, and the corrections were coming, 252 00:13:13,559 --> 00:13:16,360 Speaker 3: it's just that it's been triggered sooner because of the virus. 253 00:13:16,720 --> 00:13:21,200 Speaker 1: Yeah, my brother was chatting to me and he had 254 00:13:21,280 --> 00:13:24,040 Speaker 1: this bit of this theory about like we almost needed 255 00:13:24,040 --> 00:13:26,520 Speaker 1: a recession, we hadn't had one in so long, so 256 00:13:26,600 --> 00:13:28,679 Speaker 1: he was like, you know, this is all part of it. 257 00:13:28,760 --> 00:13:32,400 Speaker 1: So he's all about that bit. I one hundred percent 258 00:13:32,520 --> 00:13:35,000 Speaker 1: agree that of course it's going to happen. We just 259 00:13:35,040 --> 00:13:36,520 Speaker 1: don't really know the aftermath. 260 00:13:36,679 --> 00:13:36,880 Speaker 2: Yep. 261 00:13:37,559 --> 00:13:42,640 Speaker 1: So next question Emily asks what changes will we see 262 00:13:42,720 --> 00:13:45,439 Speaker 1: in the property market due to the effects of Corona. 263 00:13:45,960 --> 00:13:48,800 Speaker 3: Yeah, so, I mean we've already seen the ASX and 264 00:13:48,840 --> 00:13:53,160 Speaker 3: we've seen the share market globally, so as a flow 265 00:13:53,200 --> 00:13:56,319 Speaker 3: on effect from that, people will lose money in shares, 266 00:13:56,400 --> 00:13:59,160 Speaker 3: people will lose money in super and there will be 267 00:13:59,160 --> 00:14:02,319 Speaker 3: a flow on effect property because of the global economy. 268 00:14:02,760 --> 00:14:05,960 Speaker 3: But what that also presents again is if you've been 269 00:14:06,000 --> 00:14:09,680 Speaker 3: in the market to buy shares, or you've been in 270 00:14:09,720 --> 00:14:12,720 Speaker 3: the market to invest in property. You are actually in 271 00:14:12,760 --> 00:14:15,640 Speaker 3: an opportune time because you're picking up things that were 272 00:14:15,679 --> 00:14:19,960 Speaker 3: previously at a higher cost for a lower cost, and eventually, 273 00:14:20,040 --> 00:14:23,440 Speaker 3: because people always need somewhere to live, eventually those prices 274 00:14:23,480 --> 00:14:27,200 Speaker 3: will change. What happens is is less people start buying 275 00:14:27,400 --> 00:14:30,680 Speaker 3: property because of the same reason they're scared they don't 276 00:14:30,680 --> 00:14:32,920 Speaker 3: know what's going to happen. But property is something that's 277 00:14:32,960 --> 00:14:37,640 Speaker 3: a long term investment. So the rental market will also 278 00:14:37,800 --> 00:14:40,720 Speaker 3: increase because you've got a higher demand for people needing 279 00:14:40,720 --> 00:14:44,840 Speaker 3: somewhere to live and rent. So there's always a balance 280 00:14:44,920 --> 00:14:48,520 Speaker 3: between value increase and rent increase, So when one thing's 281 00:14:48,600 --> 00:14:49,720 Speaker 3: not happening, the other. 282 00:14:49,560 --> 00:14:53,640 Speaker 2: Thing is rising. So there's like a supply demand rule here. 283 00:14:54,200 --> 00:14:57,600 Speaker 3: So I think, yes, there will be a slow down, 284 00:14:58,240 --> 00:15:00,440 Speaker 3: but it's an opportunity for all those peopleeople that were 285 00:15:00,440 --> 00:15:02,560 Speaker 3: ready to buy, that hadn't bought yet, to now be 286 00:15:02,680 --> 00:15:06,120 Speaker 3: able to have a cheaper entry point into the properties 287 00:15:06,120 --> 00:15:07,320 Speaker 3: that they were looking at. 288 00:15:07,600 --> 00:15:09,880 Speaker 1: So that actually leads me on to the next question, 289 00:15:09,960 --> 00:15:13,120 Speaker 1: which merely asks what do you think is it a 290 00:15:13,160 --> 00:15:16,000 Speaker 1: good or bad time to be selling a property, and 291 00:15:16,040 --> 00:15:17,560 Speaker 1: she said particularly in Brisbane. 292 00:15:17,840 --> 00:15:21,120 Speaker 3: Yeah, so obviously if there's less people looking to buy, 293 00:15:21,280 --> 00:15:23,520 Speaker 3: you're going to sell your property for less, So it's 294 00:15:23,560 --> 00:15:24,720 Speaker 3: not a good time to sell. 295 00:15:25,480 --> 00:15:29,480 Speaker 2: That's good, I know, I know. 296 00:15:29,600 --> 00:15:31,400 Speaker 3: Yeah when the market is the point yeah, well the 297 00:15:31,400 --> 00:15:33,200 Speaker 3: market's low. Yeah, you know, that's it. 298 00:15:33,440 --> 00:15:34,000 Speaker 2: So hold. 299 00:15:34,200 --> 00:15:38,240 Speaker 3: So strongest suggestion to anyone with assets is always hold 300 00:15:38,320 --> 00:15:39,200 Speaker 3: through the low time. 301 00:15:39,280 --> 00:15:40,200 Speaker 2: You only sell. 302 00:15:40,480 --> 00:15:43,400 Speaker 3: People only sell and make losses because they're forced to 303 00:15:43,560 --> 00:15:46,040 Speaker 3: because they can't afford to hold the asset. If you 304 00:15:46,080 --> 00:15:49,440 Speaker 3: can afford to hold it, yeah, review your finances. 305 00:15:49,560 --> 00:15:51,960 Speaker 2: Hold on bit a great time to buy, great time 306 00:15:52,000 --> 00:15:52,240 Speaker 2: to buy. 307 00:15:52,480 --> 00:15:55,560 Speaker 1: Amazing. Okay, so let's move on to shares. You already 308 00:15:55,560 --> 00:16:00,600 Speaker 1: said obviously we've seen the shares drop dramatically. Be asked 309 00:16:00,600 --> 00:16:04,400 Speaker 1: what effect will this current situation have on super and shares? 310 00:16:05,240 --> 00:16:09,600 Speaker 3: Okay, so obviously shares are you're buying company assets, so 311 00:16:09,720 --> 00:16:12,200 Speaker 3: like a business, you're buying a portion of a company. 312 00:16:12,560 --> 00:16:15,560 Speaker 3: So if the whole economy shuts down, you know, Italy 313 00:16:15,640 --> 00:16:18,520 Speaker 3: for example, is closed down, and the businesses are affected, 314 00:16:18,600 --> 00:16:21,480 Speaker 3: your share price will be affected because effectively the business 315 00:16:21,520 --> 00:16:22,120 Speaker 3: is affected. 316 00:16:22,560 --> 00:16:23,400 Speaker 2: So yeah, we've. 317 00:16:23,280 --> 00:16:26,000 Speaker 3: Already seen that downturn in terms of super, well, a 318 00:16:26,000 --> 00:16:29,000 Speaker 3: lot of super is shares, so a lot of the 319 00:16:29,000 --> 00:16:32,800 Speaker 3: superannuation companies are invested in shares, not as much real estate, 320 00:16:33,200 --> 00:16:36,200 Speaker 3: so a lot of people's superannuation will also take a hit. 321 00:16:37,200 --> 00:16:39,400 Speaker 1: My husband Tim actually caught up the other day and 322 00:16:39,440 --> 00:16:42,000 Speaker 1: he spoke to his dad and he was like, literally, 323 00:16:42,040 --> 00:16:45,080 Speaker 1: his dad's super went down eighty thousand dollars in like 324 00:16:45,240 --> 00:16:48,800 Speaker 1: a couple of days, and they fixed it in or 325 00:16:48,800 --> 00:16:50,960 Speaker 1: something like that, which I don't really know too much 326 00:16:50,960 --> 00:16:51,280 Speaker 1: about it. 327 00:16:51,360 --> 00:16:52,600 Speaker 2: Super different types of trading. 328 00:16:52,760 --> 00:16:56,240 Speaker 1: Yeah, so they fixed it in. But oh, it's crazy 329 00:16:56,320 --> 00:17:00,600 Speaker 1: times ahead for sure. Another person asked, So Casey asked, 330 00:17:00,880 --> 00:17:03,480 Speaker 1: should we or shouldn't we be buying shares at the moment. 331 00:17:04,200 --> 00:17:07,960 Speaker 3: Well, I'm no expert and I can't give advice, but 332 00:17:08,040 --> 00:17:10,760 Speaker 3: what I will say is, if something you can buy, 333 00:17:11,119 --> 00:17:14,560 Speaker 3: So if you knew that you can buy a designer 334 00:17:14,640 --> 00:17:16,760 Speaker 3: outfit for half the price, would you buy it when 335 00:17:16,800 --> 00:17:20,479 Speaker 3: it was half price? Yeah, that's really the best way 336 00:17:20,560 --> 00:17:22,399 Speaker 3: to put it. You know, if you know you can 337 00:17:22,440 --> 00:17:25,000 Speaker 3: get something at a discount, and you know the brand, 338 00:17:25,720 --> 00:17:29,720 Speaker 3: so the brand is there and you know that that's correct. 339 00:17:29,800 --> 00:17:31,040 Speaker 2: So I would. 340 00:17:30,840 --> 00:17:34,560 Speaker 3: Say, you know, look at the blue chip and if 341 00:17:34,560 --> 00:17:36,719 Speaker 3: you can get in at an opportunity and you're holding 342 00:17:36,760 --> 00:17:39,800 Speaker 3: on for the long term, then yeah, there's opportunity. 343 00:17:40,480 --> 00:17:42,520 Speaker 1: I love what you always touch on the long term 344 00:17:42,560 --> 00:17:47,080 Speaker 1: process for sure. Yeah. Okay, amazing, So only buying shares 345 00:17:47,160 --> 00:17:50,159 Speaker 1: if it's a good, well known company. Obviously we're not 346 00:17:50,160 --> 00:17:55,840 Speaker 1: giving advice, guys, but yeah, I'm onto it. We did 347 00:17:55,840 --> 00:18:01,960 Speaker 1: a wink at each other. Okay, So next freyer Us, 348 00:18:02,160 --> 00:18:05,000 Speaker 1: I graduate in summer. Do you think coronavirus will have 349 00:18:05,040 --> 00:18:08,000 Speaker 1: an impact on my chances of securing a graduate job? 350 00:18:08,080 --> 00:18:10,520 Speaker 1: And income is based in the UK? 351 00:18:11,520 --> 00:18:14,040 Speaker 2: Wow, UK is doing some weird things at the moment. 352 00:18:14,720 --> 00:18:15,280 Speaker 2: Like what. 353 00:18:16,640 --> 00:18:20,040 Speaker 3: I mean from what I've heard from the uh you know, 354 00:18:20,720 --> 00:18:26,359 Speaker 3: secret sources. Yeah, the economy. I mean they're not really 355 00:18:26,400 --> 00:18:28,919 Speaker 3: taking care of their people. So in terms of what's happening, 356 00:18:28,960 --> 00:18:31,640 Speaker 3: But look, I don't know what kind of job you're 357 00:18:31,680 --> 00:18:33,480 Speaker 3: trying to go out and get, like what sort of 358 00:18:33,480 --> 00:18:36,240 Speaker 3: graduate you are, and if there's like an undersupply of 359 00:18:36,280 --> 00:18:39,320 Speaker 3: what your training is, you know, yeah, if you're coming 360 00:18:39,359 --> 00:18:42,440 Speaker 3: out of a graduate degree into an area that's quite saturated, 361 00:18:42,880 --> 00:18:45,760 Speaker 3: then yeah, you will probably find it more difficult. 362 00:18:45,920 --> 00:18:47,400 Speaker 2: But what I would suggest. 363 00:18:47,000 --> 00:18:50,320 Speaker 3: To anyone looking for employment is how do you stand 364 00:18:50,359 --> 00:18:51,400 Speaker 3: out normally anyway? 365 00:18:51,560 --> 00:18:51,800 Speaker 2: Right? 366 00:18:52,200 --> 00:18:56,359 Speaker 3: So, as an individual like upskill yourself. Don't expect just 367 00:18:56,359 --> 00:18:58,840 Speaker 3: because you've got a degree, that you're going to walk 368 00:18:58,880 --> 00:19:01,680 Speaker 3: into a job. What can you do between now and 369 00:19:01,720 --> 00:19:05,040 Speaker 3: then to maybe, you know, make yourself more valuable to 370 00:19:05,560 --> 00:19:10,560 Speaker 3: a potential employer. So yes, be aware that that's happening. 371 00:19:10,600 --> 00:19:12,800 Speaker 3: I don't know, like I mean, if this person that's 372 00:19:12,840 --> 00:19:15,800 Speaker 3: asking the question is someone that's like in an industry 373 00:19:15,840 --> 00:19:17,919 Speaker 3: where there's not that many people doing it, probably not. 374 00:19:18,520 --> 00:19:21,159 Speaker 3: But if you're coming into an area which is saturated, 375 00:19:21,200 --> 00:19:23,560 Speaker 3: a lot of companies will be looking at, you know, 376 00:19:23,600 --> 00:19:28,040 Speaker 3: their resourcing very carefully. So keep in mind, reduce your costs, 377 00:19:28,359 --> 00:19:30,520 Speaker 3: make yourself more skilled in some way. 378 00:19:31,800 --> 00:19:35,080 Speaker 1: Hey guys, I'm quickly interrupting this episode because I am 379 00:19:35,359 --> 00:19:40,840 Speaker 1: so excited. Naked Harvest has just launched not one, but 380 00:19:41,080 --> 00:19:45,720 Speaker 1: two new natural pre workout flavors, Juicy grape and lemon 381 00:19:45,800 --> 00:19:49,640 Speaker 1: lime crush. How good does that sound? I'm personally all 382 00:19:49,680 --> 00:19:52,520 Speaker 1: over the grape. I'm obsessed. It smells like hubba bubba 383 00:19:52,920 --> 00:19:56,199 Speaker 1: and it tastes so good. 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Get ready to feel energized 394 00:20:26,720 --> 00:20:29,720 Speaker 1: and strong. Join the NH game and feel free to 395 00:20:29,880 --> 00:20:33,360 Speaker 1: use Rise and Conquer at checkout for a sninky fifteen 396 00:20:33,400 --> 00:20:37,280 Speaker 1: percent discount. Okay, let's get straight back into the episode, 397 00:20:39,240 --> 00:20:42,240 Speaker 1: and so let's switch gears and let's talk about small businesses. 398 00:20:42,320 --> 00:20:46,520 Speaker 1: So Alisha asks, I'm self employed. I have a small business. 399 00:20:46,800 --> 00:20:50,560 Speaker 1: What does this mean for me and how should I prepare? 400 00:20:51,720 --> 00:20:52,000 Speaker 2: Yeah? 401 00:20:52,119 --> 00:20:56,240 Speaker 3: So, I mean any business owner, especially small business owners, 402 00:20:56,440 --> 00:20:59,960 Speaker 3: they need to act fast. Meaning when I say rather 403 00:21:00,200 --> 00:21:03,640 Speaker 3: then just wait a bit longer for things. Take one 404 00:21:03,680 --> 00:21:06,520 Speaker 3: step forward and sit down and get your p and ls. 405 00:21:06,680 --> 00:21:09,040 Speaker 3: Have a look at your profit and loss, go through 406 00:21:09,080 --> 00:21:12,719 Speaker 3: all your expenses, and look at any unnecessary things that 407 00:21:12,760 --> 00:21:16,960 Speaker 3: you can literally do without, right, So what makes your 408 00:21:17,040 --> 00:21:23,520 Speaker 3: business operate like absolute requirement and be gone with everything else. 409 00:21:24,040 --> 00:21:27,600 Speaker 3: If you've got staff, have a think are those staff 410 00:21:27,800 --> 00:21:30,240 Speaker 3: critical to you being able to do it or can 411 00:21:30,280 --> 00:21:34,719 Speaker 3: you maybe downsize your staff to like delegate to people 412 00:21:34,720 --> 00:21:37,640 Speaker 3: that are like already there. So it's really looking at 413 00:21:37,640 --> 00:21:40,719 Speaker 3: your resourcing and you're on your outlays. So that's one 414 00:21:40,800 --> 00:21:43,600 Speaker 3: hundred percent the first thing you need to do cutting 415 00:21:43,680 --> 00:21:46,679 Speaker 3: out anything that is unnecessary fat. 416 00:21:47,080 --> 00:21:47,959 Speaker 2: Yeah, in the business. 417 00:21:48,840 --> 00:21:51,439 Speaker 3: One of the biggest things that you can do is 418 00:21:51,480 --> 00:21:54,080 Speaker 3: also look at yourself as a business owner and look 419 00:21:54,119 --> 00:21:56,960 Speaker 3: at how you can cut some fat down. So I've 420 00:21:57,000 --> 00:22:00,480 Speaker 3: seen a lot of business owners, whether they're smaller big businesses, 421 00:22:00,920 --> 00:22:04,679 Speaker 3: taking a really big salary, and that salary has to 422 00:22:04,720 --> 00:22:08,400 Speaker 3: be paid by the business making an income. So look 423 00:22:08,440 --> 00:22:11,840 Speaker 3: at how you can maybe potentially cut down your own costs. 424 00:22:12,200 --> 00:22:14,239 Speaker 3: So as an owner of the business, look at your 425 00:22:14,280 --> 00:22:16,920 Speaker 3: own finances, look at how you can sort of cut 426 00:22:16,960 --> 00:22:19,600 Speaker 3: everything down as a personal level so that you don't 427 00:22:19,600 --> 00:22:21,720 Speaker 3: have as much stress in your own business. 428 00:22:21,400 --> 00:22:22,600 Speaker 2: To perform at that level. 429 00:22:22,640 --> 00:22:25,840 Speaker 3: Like some business owners stress out about how much money 430 00:22:25,880 --> 00:22:28,119 Speaker 3: they need to make, but they're not even looking at well, 431 00:22:28,400 --> 00:22:31,600 Speaker 3: do I really need this huge salary at this time? Right, 432 00:22:32,160 --> 00:22:35,000 Speaker 3: So it's about making sure you make it through, not 433 00:22:35,119 --> 00:22:38,399 Speaker 3: about like keeping up with the Jones or putting this 434 00:22:38,480 --> 00:22:39,040 Speaker 3: facade on. 435 00:22:39,240 --> 00:22:41,320 Speaker 2: And you know, I've always. 436 00:22:41,000 --> 00:22:43,640 Speaker 3: You know, correct, like years and years and years ago 437 00:22:43,640 --> 00:22:45,399 Speaker 3: and you say, I don't look that stress is because 438 00:22:45,400 --> 00:22:48,680 Speaker 3: we really re evaluated our business models and how much 439 00:22:48,720 --> 00:22:51,960 Speaker 3: we're paying ourselves as directors, so that in any event, 440 00:22:52,160 --> 00:22:55,120 Speaker 3: you're making money from your dividends. So when there's situations 441 00:22:55,200 --> 00:22:57,600 Speaker 3: like this and you know the business has to just 442 00:22:57,640 --> 00:23:00,520 Speaker 3: get through, you don't have these directors with these huge 443 00:23:00,600 --> 00:23:02,920 Speaker 3: salaries out where the business is put under pressure. 444 00:23:03,440 --> 00:23:05,400 Speaker 2: So if you're in a business. 445 00:23:05,040 --> 00:23:07,879 Speaker 3: That you love and you have staff, as a business owner, 446 00:23:07,960 --> 00:23:10,760 Speaker 3: you've got to take accountability to do what it takes 447 00:23:10,840 --> 00:23:13,679 Speaker 3: one to also look at cutting your costs, you know, 448 00:23:14,040 --> 00:23:17,440 Speaker 3: rather than just everyone as a business owner of a company. 449 00:23:17,440 --> 00:23:21,200 Speaker 3: For Nellie Will seventeen years this year, I've always stopped 450 00:23:21,240 --> 00:23:25,639 Speaker 3: paying myself before I've had to let stuff go, you know. 451 00:23:25,760 --> 00:23:28,679 Speaker 3: And so how important is your team, your unit and 452 00:23:28,680 --> 00:23:29,760 Speaker 3: your family. 453 00:23:29,800 --> 00:23:30,800 Speaker 2: As a workplace. 454 00:23:31,480 --> 00:23:34,840 Speaker 3: Yeah, so yeah, there's steps that you can take initially, 455 00:23:34,880 --> 00:23:38,160 Speaker 3: look at the business then do the same process on yourself. 456 00:23:38,680 --> 00:23:42,440 Speaker 3: And then from their look at cutting resources and stabilizing 457 00:23:43,400 --> 00:23:44,320 Speaker 3: amazing advice. 458 00:23:44,560 --> 00:23:47,359 Speaker 1: Thank you just taking that on board. Yeah, I can 459 00:23:47,440 --> 00:23:49,920 Speaker 1: see you're like digging over It was like I need 460 00:23:49,920 --> 00:23:51,679 Speaker 1: to go look at my sorrow. 461 00:23:51,920 --> 00:23:52,840 Speaker 2: Give me five. 462 00:23:54,480 --> 00:23:58,040 Speaker 1: Okay, amazing. So that's all from our Facebook group. I 463 00:23:58,080 --> 00:24:00,520 Speaker 1: had a couple of questions for you. I think it's 464 00:24:00,640 --> 00:24:03,800 Speaker 1: just more about, like I keep saying, this is a 465 00:24:03,880 --> 00:24:08,760 Speaker 1: very uncertain time, how can we as individuals kind of 466 00:24:08,840 --> 00:24:12,840 Speaker 1: prepare our finances and just to be a bit more 467 00:24:12,880 --> 00:24:16,680 Speaker 1: secure in ourselves with everything that's happening, because we really 468 00:24:16,760 --> 00:24:20,760 Speaker 1: don't know what's happening. While we're currently recording this episode. 469 00:24:21,119 --> 00:24:24,000 Speaker 1: You know, there's the travel bands, but there's no lockdown 470 00:24:24,080 --> 00:24:26,760 Speaker 1: yet or there's nothing like that, and I'm sure there's 471 00:24:26,800 --> 00:24:30,280 Speaker 1: that to come, so we're kind of before it all. 472 00:24:30,080 --> 00:24:32,480 Speaker 1: What advice would you have for people just at this 473 00:24:32,560 --> 00:24:35,280 Speaker 1: time and then also after, let's talk about the kind 474 00:24:35,280 --> 00:24:36,119 Speaker 1: of aftermath. 475 00:24:36,600 --> 00:24:40,120 Speaker 3: Yeah, so as an individual, again, like a business owner, 476 00:24:40,160 --> 00:24:43,960 Speaker 3: you need to reevaluate your finances, take the time, don't 477 00:24:44,000 --> 00:24:47,560 Speaker 3: wait till something happens, take the time to sit down, 478 00:24:47,680 --> 00:24:50,720 Speaker 3: go through what your current expenses are, and look at 479 00:24:50,760 --> 00:24:52,560 Speaker 3: if there's things that you can cut out that are 480 00:24:52,560 --> 00:24:55,280 Speaker 3: not necessary right now, Like if you're having and I'm 481 00:24:55,280 --> 00:24:57,720 Speaker 3: only using this example because I've just had a client, 482 00:24:57,840 --> 00:25:01,280 Speaker 3: don't smoke three cigarettes that week pack, maybe cut. 483 00:25:01,080 --> 00:25:02,560 Speaker 2: It down to do you know what I mean? 484 00:25:02,720 --> 00:25:06,280 Speaker 3: Like simple things, things that you don't are not necessities, 485 00:25:06,359 --> 00:25:09,160 Speaker 3: like you really need to look at at this time frame, 486 00:25:09,560 --> 00:25:12,320 Speaker 3: cutting out the fat of things that you don't need 487 00:25:12,359 --> 00:25:15,680 Speaker 3: to spend money on, and just saving money where you can. 488 00:25:16,240 --> 00:25:18,720 Speaker 3: So look at things you don't need, cut down costs, 489 00:25:18,840 --> 00:25:21,679 Speaker 3: be smart. There's a lot of savings out there to 490 00:25:21,680 --> 00:25:23,880 Speaker 3: be had. We just spoke about, like how random things 491 00:25:23,880 --> 00:25:27,159 Speaker 3: are half priced right now, so you can save money. 492 00:25:27,200 --> 00:25:31,320 Speaker 3: But also look at like your loans. So first review 493 00:25:31,359 --> 00:25:33,919 Speaker 3: your budget in times like these, go down to the 494 00:25:34,080 --> 00:25:37,000 Speaker 3: must haves that you need to have, and then from 495 00:25:37,040 --> 00:25:40,439 Speaker 3: their review your finances. Review your loans and any credit 496 00:25:40,480 --> 00:25:44,480 Speaker 3: that you have in place with any current investment properties 497 00:25:44,600 --> 00:25:46,919 Speaker 3: or home loans that you've already got in place. You 498 00:25:46,960 --> 00:25:49,640 Speaker 3: could be negotiating your rates. You could be reviewing things 499 00:25:49,640 --> 00:25:52,080 Speaker 3: and cutting out costs, so things that people haven't really 500 00:25:52,320 --> 00:25:55,639 Speaker 3: made time for, which usually is your personal budget and 501 00:25:55,680 --> 00:25:58,360 Speaker 3: your finances this is the time to make time for 502 00:25:58,760 --> 00:26:01,720 Speaker 3: So if you're isolated, the moment we will become and 503 00:26:01,760 --> 00:26:04,040 Speaker 3: you're going to spend more time at home, Hey, opportunity 504 00:26:04,080 --> 00:26:06,240 Speaker 3: to review all the things that you haven't had time 505 00:26:06,280 --> 00:26:08,400 Speaker 3: to do and fix it all. 506 00:26:09,200 --> 00:26:13,200 Speaker 1: And so what do you think in regards to someone 507 00:26:13,200 --> 00:26:16,600 Speaker 1: who maybe does have like credit cards and debt and 508 00:26:16,640 --> 00:26:19,200 Speaker 1: then you know they're having to have two weeks off 509 00:26:19,200 --> 00:26:21,920 Speaker 1: and that sort of thing. Someone in that sort of position, 510 00:26:22,080 --> 00:26:23,600 Speaker 1: what mindset should they be in. 511 00:26:24,320 --> 00:26:27,120 Speaker 3: Cutting down expenses and then looking at how you can 512 00:26:27,280 --> 00:26:32,359 Speaker 3: consolidate or review those lines to put them on lower rates, 513 00:26:33,040 --> 00:26:35,040 Speaker 3: save cash flow, anything like that. 514 00:26:35,240 --> 00:26:38,040 Speaker 1: And I did see Sorry to go back and forth here, 515 00:26:38,080 --> 00:26:40,119 Speaker 1: but I did see on your stories you were chatting 516 00:26:40,160 --> 00:26:45,560 Speaker 1: about how assex not assex, how they're giving like with 517 00:26:45,960 --> 00:26:46,760 Speaker 1: tax ATO. 518 00:26:47,160 --> 00:26:49,600 Speaker 3: Yes, sorry I didn't mention that in the small business part, 519 00:26:50,080 --> 00:26:53,720 Speaker 3: but there are, yeah, there are the ATO on the 520 00:26:53,880 --> 00:26:58,120 Speaker 3: small business website for the ATO. There will be availability 521 00:26:58,200 --> 00:27:01,600 Speaker 3: to postpone payments in terms of like if you've got 522 00:27:01,680 --> 00:27:05,159 Speaker 3: tax due and you know, go into payment plans. So 523 00:27:05,160 --> 00:27:07,439 Speaker 3: there's there is going to be you will see in 524 00:27:07,480 --> 00:27:09,840 Speaker 3: the coming weeks more and more come out which is 525 00:27:09,880 --> 00:27:12,720 Speaker 3: going to be helpful for people in business or people 526 00:27:12,800 --> 00:27:16,280 Speaker 3: that are currently under stress with repayments. I one hundred 527 00:27:16,320 --> 00:27:18,560 Speaker 3: percent know that the banks will come out and offer 528 00:27:18,640 --> 00:27:21,720 Speaker 3: like hotlines where you can call to put your payments 529 00:27:21,760 --> 00:27:24,800 Speaker 3: on hold. All these systems already are in place for 530 00:27:24,880 --> 00:27:28,040 Speaker 3: people that are in any financial hardship, but you will 531 00:27:28,040 --> 00:27:31,280 Speaker 3: see them come out and be advertising what they will do. 532 00:27:31,480 --> 00:27:35,240 Speaker 3: Hopefully will have something come out from the government that 533 00:27:35,359 --> 00:27:38,439 Speaker 3: gives everyone an ability, whether you're under hardship or not, 534 00:27:39,240 --> 00:27:42,240 Speaker 3: that will have some sort of leeway like in other countries. 535 00:27:42,359 --> 00:27:45,919 Speaker 3: But initially, if you're in a situation, rather than go 536 00:27:46,000 --> 00:27:49,600 Speaker 3: behind in payments or not do anything, you can actually 537 00:27:49,600 --> 00:27:52,359 Speaker 3: take the step first. 538 00:27:51,400 --> 00:27:52,240 Speaker 2: Be proactive. 539 00:27:52,400 --> 00:27:55,040 Speaker 3: If you can't, if you've lost your job or you 540 00:27:55,080 --> 00:27:57,200 Speaker 3: know your business has slowed down, be proactive. 541 00:27:57,400 --> 00:27:58,760 Speaker 2: People are here to help. 542 00:27:58,880 --> 00:28:02,199 Speaker 3: So a cool thing about anything like this is that 543 00:28:02,240 --> 00:28:06,000 Speaker 3: you will see more humanitarian acts happen. So I think 544 00:28:06,040 --> 00:28:08,800 Speaker 3: you'll see a lot more humility, and hopefully this will 545 00:28:08,880 --> 00:28:12,320 Speaker 3: change globally and see us be more kind and be 546 00:28:12,400 --> 00:28:15,480 Speaker 3: more understanding around things. So you know people will be 547 00:28:15,520 --> 00:28:18,159 Speaker 3: well prepared. All the stuff will be trained. So I 548 00:28:18,200 --> 00:28:22,359 Speaker 3: think ignorance is not bliss you know, ignorance is not bliss. 549 00:28:22,440 --> 00:28:24,760 Speaker 1: I think that's so important. And that's kind of like 550 00:28:24,920 --> 00:28:27,280 Speaker 1: the main point in like what we've been chatting about 551 00:28:27,280 --> 00:28:31,159 Speaker 1: this afternoon is like to be really proactive and don't ignore. 552 00:28:31,200 --> 00:28:33,239 Speaker 1: And this is the perfect time to actually look at 553 00:28:33,240 --> 00:28:35,919 Speaker 1: your finances and to look what you're spending money on, 554 00:28:35,960 --> 00:28:38,200 Speaker 1: and to look get clear about how much money you 555 00:28:38,280 --> 00:28:40,600 Speaker 1: actually have coming in and that's. 556 00:28:40,840 --> 00:28:43,360 Speaker 3: What's coming in, what's going out? What am I not 557 00:28:43,600 --> 00:28:46,880 Speaker 3: really needing to spend money on? What can I cut back? 558 00:28:46,960 --> 00:28:50,280 Speaker 3: I mean, this is short term, it's not forever. So 559 00:28:50,760 --> 00:28:52,480 Speaker 3: you know, one of the things that I wanted I 560 00:28:52,480 --> 00:28:54,160 Speaker 3: don't know if you're going to ask me this question later, 561 00:28:54,240 --> 00:28:55,560 Speaker 3: but one of the things I want to touch on 562 00:28:55,760 --> 00:28:59,200 Speaker 3: is like everyone's goals. Like everyone's got goals that they 563 00:28:59,200 --> 00:29:02,440 Speaker 3: wanted to achieve. And just because this is happening doesn't 564 00:29:02,480 --> 00:29:04,640 Speaker 3: mean you put everything in your life that you want 565 00:29:04,640 --> 00:29:07,320 Speaker 3: to achieve on hold. You just be smart about it, 566 00:29:07,800 --> 00:29:11,200 Speaker 3: take more calculated risks around what you were thinking about doing. 567 00:29:11,280 --> 00:29:12,440 Speaker 2: But if you were. 568 00:29:12,320 --> 00:29:16,320 Speaker 3: Thinking about buying a property or doing some sort of investment, 569 00:29:16,680 --> 00:29:19,840 Speaker 3: this is a short term window. The investment should be 570 00:29:19,840 --> 00:29:21,000 Speaker 3: a long term decision. 571 00:29:21,480 --> 00:29:24,120 Speaker 1: Let's get into that. So can you chat more about 572 00:29:24,520 --> 00:29:27,720 Speaker 1: someone's in the situation. You know, maybe they were just 573 00:29:27,760 --> 00:29:30,720 Speaker 1: about to buy a property or sell, or they're kind 574 00:29:30,720 --> 00:29:33,080 Speaker 1: of on the cust or even I love what you 575 00:29:33,160 --> 00:29:35,640 Speaker 1: kind of just touched on. You know, they were coming 576 00:29:35,680 --> 00:29:37,840 Speaker 1: off the new not coming off the new year, but 577 00:29:38,000 --> 00:29:40,600 Speaker 1: like we're coming off at the new year where everyone 578 00:29:40,640 --> 00:29:43,280 Speaker 1: has goals and things they want to achieve. And I 579 00:29:43,320 --> 00:29:47,680 Speaker 1: know myself, like this has felt very almost paralyzing because 580 00:29:47,720 --> 00:29:50,040 Speaker 1: of the uncertainty, like what would you say to that person? 581 00:29:50,800 --> 00:29:55,160 Speaker 2: How do you feel paralyzed? I can't speak now, guys. 582 00:29:55,240 --> 00:30:00,000 Speaker 1: It's late in the afternoon. So I'd a lot of meetings, 583 00:30:01,320 --> 00:30:04,520 Speaker 1: I guess in regards to for example, like with my 584 00:30:04,800 --> 00:30:10,280 Speaker 1: personal business, it's or will I because my work is 585 00:30:10,320 --> 00:30:13,479 Speaker 1: not guaranteed. I get it from brands or you know, 586 00:30:13,600 --> 00:30:16,280 Speaker 1: podcast ads and stuff like that. So it's like, oh, well, 587 00:30:16,320 --> 00:30:19,000 Speaker 1: I still be having that like come in like very 588 00:30:19,120 --> 00:30:22,720 Speaker 1: uncertain and I don't know if I should keep stepping 589 00:30:22,760 --> 00:30:25,600 Speaker 1: forward or if I just need to hold down the 590 00:30:25,640 --> 00:30:27,160 Speaker 1: fort if that makes sense. 591 00:30:27,040 --> 00:30:29,760 Speaker 3: A little bit of both. So I think for you, 592 00:30:30,240 --> 00:30:33,920 Speaker 3: if you are I love this personal advice guys, if 593 00:30:34,000 --> 00:30:39,000 Speaker 3: you are like providing value. Yeah, okay, everyone, you need 594 00:30:39,040 --> 00:30:41,680 Speaker 3: to be providing value. So with what you do to 595 00:30:41,760 --> 00:30:45,280 Speaker 3: a brand, if you're providing value, people will continue to 596 00:30:45,400 --> 00:30:49,000 Speaker 3: use you, right, So you have to be thinking about though, 597 00:30:49,160 --> 00:30:49,840 Speaker 3: like the brand. 598 00:30:50,000 --> 00:30:51,640 Speaker 2: So what I would do. 599 00:30:51,640 --> 00:30:54,320 Speaker 3: If I was in your situation is I would think 600 00:30:54,320 --> 00:30:56,200 Speaker 3: about the people that you are working with on a 601 00:30:56,240 --> 00:30:59,680 Speaker 3: regular basis and think about how they may be affected. Right, 602 00:30:59,720 --> 00:31:03,320 Speaker 3: So you put yourself into their shoes and then you say, okay, 603 00:31:03,400 --> 00:31:06,440 Speaker 3: well I'm just gonna use Jim Shark because I've seen 604 00:31:06,600 --> 00:31:09,080 Speaker 3: so much and I just keep knowing Jim Sharks and 605 00:31:09,160 --> 00:31:12,720 Speaker 3: what you're doing work. But you know, like, well, how 606 00:31:12,720 --> 00:31:14,720 Speaker 3: will they be affected? Because obviously, you know, I know 607 00:31:14,800 --> 00:31:16,960 Speaker 3: some people aren't going to gyms and things like that. 608 00:31:17,080 --> 00:31:19,600 Speaker 3: So how can you think and put yourself into their 609 00:31:19,640 --> 00:31:22,080 Speaker 3: shoes and provide value to them in these times? 610 00:31:22,200 --> 00:31:22,400 Speaker 1: Yeah? 611 00:31:22,520 --> 00:31:23,960 Speaker 3: Right, Like I'm not going to come up with the 612 00:31:24,000 --> 00:31:26,720 Speaker 3: marketing strategy for Jim Shark. If they're listening, contact me. 613 00:31:26,880 --> 00:31:29,680 Speaker 1: Well, I'm doing a lot of homework outs, but. 614 00:31:29,720 --> 00:31:33,840 Speaker 3: Exactly so, so home workouts and then you know, there's 615 00:31:33,960 --> 00:31:35,880 Speaker 3: so you've got to think about your customer. 616 00:31:36,400 --> 00:31:39,600 Speaker 1: I think that's definitely a great point I just thought then, 617 00:31:39,840 --> 00:31:43,680 Speaker 1: is even because I provide content on my Instagram, I 618 00:31:43,840 --> 00:31:47,080 Speaker 1: provide this weekly and daily content and I've even noticed 619 00:31:47,120 --> 00:31:50,200 Speaker 1: like this happened, and that's something that I thought straight away. 620 00:31:50,200 --> 00:31:52,040 Speaker 1: I was like, oh my gosh, you know, I don't 621 00:31:52,040 --> 00:31:53,880 Speaker 1: want to be going to the gym because even though 622 00:31:53,880 --> 00:31:56,520 Speaker 1: we're not in lockdown, I'm taking this very seriously. So 623 00:31:56,960 --> 00:31:59,080 Speaker 1: I got straight at my stories and I was like, hey, guys, 624 00:31:59,320 --> 00:32:02,080 Speaker 1: I'm going to be doing homeworkouts just to be super safe. 625 00:32:02,360 --> 00:32:04,200 Speaker 1: I made a highlight and I gave a lot of 626 00:32:04,200 --> 00:32:07,440 Speaker 1: homeworkouts away, like even shifting my content to sort of 627 00:32:07,720 --> 00:32:12,200 Speaker 1: suit what is happening. So I guess just being quite diligent. 628 00:32:12,640 --> 00:32:15,200 Speaker 3: Think about, like, as any business owner, how are you 629 00:32:15,280 --> 00:32:18,040 Speaker 3: providing value? And how can you shift and adapt your business? 630 00:32:18,480 --> 00:32:20,520 Speaker 3: People will cut things that they don't need. I keep 631 00:32:20,560 --> 00:32:23,760 Speaker 3: talking about cutting fat, but if you are providing value, 632 00:32:23,800 --> 00:32:26,040 Speaker 3: they're not going to cut you. They're not and like 633 00:32:26,160 --> 00:32:29,120 Speaker 3: same with any business, they're not going to cut you 634 00:32:29,160 --> 00:32:32,959 Speaker 3: if you're of a value. So make yourself valuable, you know, 635 00:32:33,080 --> 00:32:35,680 Speaker 3: like make yourself valuable. So the other part of what 636 00:32:35,720 --> 00:32:37,680 Speaker 3: you said is should I just hold down the ford 637 00:32:37,760 --> 00:32:40,320 Speaker 3: and like kind of you know, I don't believe that 638 00:32:40,360 --> 00:32:42,920 Speaker 3: to be true. Keep pushing forward with your goals, but 639 00:32:43,000 --> 00:32:47,600 Speaker 3: be smart and realistic. So yes, if this wasn't happening, 640 00:32:47,640 --> 00:32:49,440 Speaker 3: you might have been able to like push into a 641 00:32:49,440 --> 00:32:52,120 Speaker 3: different market or do something okay that might need to 642 00:32:52,120 --> 00:32:55,120 Speaker 3: be pushed out for another year, then that's fine. Don't 643 00:32:55,120 --> 00:32:56,800 Speaker 3: be hard on yourself that it's going to take you 644 00:32:56,880 --> 00:32:59,600 Speaker 3: longer to achieve your goal, but just be grateful that 645 00:32:59,640 --> 00:33:03,200 Speaker 3: you will achieve your goal. Yeah, so I think just 646 00:33:03,480 --> 00:33:06,960 Speaker 3: be realistic about growth. I kind of touched on it before. 647 00:33:07,160 --> 00:33:11,400 Speaker 3: Don't expect massive growth in your business, but be able 648 00:33:11,480 --> 00:33:14,680 Speaker 3: to get through it, and then just be happy you're 649 00:33:14,680 --> 00:33:16,760 Speaker 3: getting through. But work on the things that you don't 650 00:33:16,800 --> 00:33:19,000 Speaker 3: normally have time to work on. So I'm kind of 651 00:33:19,080 --> 00:33:22,080 Speaker 3: like excited because there's so many things that I'm working 652 00:33:22,080 --> 00:33:23,760 Speaker 3: on the side that I haven't been able to do 653 00:33:23,840 --> 00:33:26,240 Speaker 3: because I've just been so busy. So I'm like, cool, 654 00:33:26,240 --> 00:33:30,320 Speaker 3: I can create more content. So I'm thinking, how can 655 00:33:30,360 --> 00:33:33,600 Speaker 3: you use what's happening to your advantage? So, like, you know, 656 00:33:33,760 --> 00:33:36,840 Speaker 3: you have more time to create more content. People will 657 00:33:36,880 --> 00:33:41,800 Speaker 3: still want information. Another friend of mine, she's she's probably 658 00:33:41,840 --> 00:33:43,840 Speaker 3: hate me for the same, but she's an acrobat sist circu 659 00:33:44,000 --> 00:33:47,240 Speaker 3: just like canceled every show for the next however long 660 00:33:47,480 --> 00:33:49,920 Speaker 3: until unknown and I was like, great, you can do 661 00:33:50,040 --> 00:33:52,000 Speaker 3: a lot more courses in the areas that we spoke 662 00:33:52,040 --> 00:33:54,560 Speaker 3: about online courses. She's like, oh yeah, And I was 663 00:33:54,560 --> 00:33:58,240 Speaker 3: like yeah, so no excuses. You actually can upskill. So 664 00:33:58,520 --> 00:34:01,160 Speaker 3: this is an opportunity. If you have been enrolled into 665 00:34:01,200 --> 00:34:03,560 Speaker 3: something and you haven't had time, you can do it. 666 00:34:03,800 --> 00:34:06,320 Speaker 3: If you're studying part time, you can do it. So 667 00:34:07,040 --> 00:34:10,799 Speaker 3: shift into what do I have power over and what 668 00:34:10,880 --> 00:34:14,239 Speaker 3: can I do and create value for me value. 669 00:34:13,920 --> 00:34:17,800 Speaker 2: For my customers. I love that, But don't stop achieving 670 00:34:18,080 --> 00:34:19,080 Speaker 2: or thinking. 671 00:34:19,440 --> 00:34:21,759 Speaker 3: Keep going, but just be a bit more realistic because 672 00:34:21,800 --> 00:34:24,480 Speaker 3: if you do, if you expect yourself to achieve the 673 00:34:24,480 --> 00:34:27,400 Speaker 3: goals that you set out, you just get really upset. 674 00:34:27,600 --> 00:34:31,120 Speaker 1: Yeah, one hundred percent. I love that. Well, before we 675 00:34:31,160 --> 00:34:33,359 Speaker 1: wrap this all up, this has been I just want 676 00:34:33,400 --> 00:34:35,960 Speaker 1: to say thank you so much. We guys we recorded 677 00:34:35,960 --> 00:34:38,960 Speaker 1: this very much on a whim and so thank you 678 00:34:39,000 --> 00:34:41,279 Speaker 1: so much for making the time and just being so 679 00:34:41,719 --> 00:34:44,160 Speaker 1: knowledgeable and didn't really have any of these questions. 680 00:34:44,239 --> 00:34:46,440 Speaker 2: No, you love doing at HOC. 681 00:34:46,560 --> 00:34:50,399 Speaker 1: I know it's awesome. So to finish it off, how 682 00:34:50,560 --> 00:34:53,880 Speaker 1: can you help the R and C family sort of 683 00:34:53,920 --> 00:34:55,600 Speaker 1: moving forward after this all. 684 00:34:55,920 --> 00:34:59,000 Speaker 3: Yeah, so obviously you know, if people jump on my 685 00:34:59,080 --> 00:35:01,759 Speaker 3: Instagram and follow and have any questions that they want 686 00:35:01,760 --> 00:35:04,480 Speaker 3: me to answer, I'm happy to help. But you know, 687 00:35:04,640 --> 00:35:05,880 Speaker 3: just to help the community. 688 00:35:05,920 --> 00:35:06,319 Speaker 2: We're here. 689 00:35:06,400 --> 00:35:09,399 Speaker 3: If people want to review any of their finances, they've 690 00:35:09,440 --> 00:35:11,520 Speaker 3: got any loans in place, they don't know how to 691 00:35:11,640 --> 00:35:15,279 Speaker 3: facilitate and look at their finances. We can have a 692 00:35:15,320 --> 00:35:18,080 Speaker 3: free chat obviously on video call, no face to face 693 00:35:18,160 --> 00:35:21,319 Speaker 3: at the moment, but yeah, just you know, reach out, 694 00:35:21,719 --> 00:35:24,839 Speaker 3: jump on my Instagram which is ardisher Bands. You can 695 00:35:24,840 --> 00:35:27,359 Speaker 3: get in touch with my office if you just look 696 00:35:27,440 --> 00:35:30,760 Speaker 3: up grow group you can make an appointment. But happy, 697 00:35:30,920 --> 00:35:33,440 Speaker 3: you know, we're here to help support the community in 698 00:35:33,480 --> 00:35:35,440 Speaker 3: any way we can. So if you're just like I 699 00:35:35,480 --> 00:35:38,120 Speaker 3: don't know what to do about this or how can 700 00:35:38,160 --> 00:35:40,879 Speaker 3: I reduce that, we can do a quick review for you. 701 00:35:41,320 --> 00:35:44,160 Speaker 1: Amazing and I'll make sure I put all those links 702 00:35:44,160 --> 00:35:46,759 Speaker 1: in the show notes. But thank you so much for 703 00:35:46,840 --> 00:35:47,399 Speaker 1: being on the show. 704 00:35:47,400 --> 00:35:48,960 Speaker 2: Wider Thanks Georgie, love it. 705 00:35:49,200 --> 00:35:53,000 Speaker 1: And will be back with another money series in the 706 00:35:53,040 --> 00:35:56,200 Speaker 1: next month or so. We do them randomly, but we'll 707 00:35:56,200 --> 00:35:59,920 Speaker 1: talk to you guys then bye. And that's a raw 708 00:36:00,120 --> 00:36:03,160 Speaker 1: on another episode of the Rise and Concer Podcast. I 709 00:36:03,200 --> 00:36:05,399 Speaker 1: hope you got something valuable from it, and I want 710 00:36:05,400 --> 00:36:07,920 Speaker 1: to say a big thank you for tuning in. I 711 00:36:08,040 --> 00:36:11,040 Speaker 1: really really do appreciate it. If you're craving more than 712 00:36:11,160 --> 00:36:14,120 Speaker 1: don't worry. I've got you sorted. We have our very 713 00:36:14,239 --> 00:36:17,920 Speaker 1: own Rise and Conquer Community Facebook group where hundreds of 714 00:36:18,160 --> 00:36:22,520 Speaker 1: like minded women joined to share in on stories, ask advice, 715 00:36:22,719 --> 00:36:25,719 Speaker 1: and everything in between. I'd love for you to join us. 716 00:36:25,960 --> 00:36:29,600 Speaker 1: Just search Rise and Concer Podcast Community or find the 717 00:36:29,640 --> 00:36:32,440 Speaker 1: link in the show notes. And if you loved listening 718 00:36:32,520 --> 00:36:35,320 Speaker 1: as much as I loved recording this episode, then please 719 00:36:35,360 --> 00:36:38,880 Speaker 1: subscribe and leave a review. It really helps us out. 720 00:36:39,320 --> 00:36:42,160 Speaker 1: And if you think of anyone who would benefit or 721 00:36:42,239 --> 00:36:45,640 Speaker 1: enjoy this episode, please share it with them. You can 722 00:36:45,680 --> 00:36:50,319 Speaker 1: also find more on Instagram at risinconcor dot podcast and 723 00:36:50,440 --> 00:36:54,440 Speaker 1: more from me your hosts at Georgie Stevenson. Once again, guys, 724 00:36:54,480 --> 00:36:56,520 Speaker 1: thank you so much for tuning in. This is a 725 00:36:56,640 --> 00:37:00,279 Speaker 1: totally independent podcast, so we really do a prec shiate 726 00:37:00,440 --> 00:37:03,120 Speaker 1: every bit of support. Hope you guys have an amazing 727 00:37:03,200 --> 00:37:05,600 Speaker 1: day or night, whenever you're listening, and I'll talk to 728 00:37:05,640 --> 00:37:15,160 Speaker 1: you soon. You're joky day by day, sh