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Speaker 1: She's on the Money. She's on the Money.

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Speaker 2: Welcome to She's on the Money, the podcast for millennials

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Speaker 2: who want financial freedom, Ryan John here.

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Speaker 3: Tony Lodge is here as well. And what are you

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Speaker 3: looking at? Tony? Oh?

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Speaker 1: Have you just seen Victoria's face? You've taken her job?

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Speaker 2: I have, and so is award winning financial advisor and

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Speaker 2: creator of She's on the Money, Victoria Divine.

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Speaker 4: You really just raced on in there, didn't you. Ryan? Hello?

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Speaker 3: All right?

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Speaker 2: On today's Friday Drinks episode, You're going to learn how

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Speaker 2: to save money on your heating bills this winter, which

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Speaker 2: is convenient because I spent so much last year.

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Speaker 3: Maybe because we were at home all year last year,

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Speaker 3: the heating bills were just crazy.

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Speaker 5: I actually read a thing about how during COVID, because

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Speaker 5: everybody was working from home, they weren't expecting these like

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Speaker 5: crazy bills, and not just working from home, but not

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Speaker 5: going out.

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Speaker 3: On the weekend.

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Speaker 1: Your heat it was on all the time.

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Speaker 2: Yeah, So we got some advice on that coming up soon.

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Speaker 2: Caitlin shared a post about why it feels illegal to

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Speaker 2: ask for the annual leave that you're actually entitled to,

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Speaker 2: and I feel like a lot of people really felt that,

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Speaker 2: So we'll get to that in a second. You guys

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Speaker 2: last week did that episode on imposter syndrome and b

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Speaker 2: did you realize at the time just how much that

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Speaker 2: was going to like stick with people?

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Speaker 4: No, I didn't think that people would care as much

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Speaker 4: as they did, which is kind because I obviously did

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Speaker 4: so much that I did an entire episode on it.

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Speaker 4: But it's just not common for you guys to get

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Speaker 4: as on board with my rant says you did, which

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Speaker 4: is very kind.

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Speaker 2: So coming up in this episode, we're going to talk

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Speaker 2: about Sophie Marshall. She loved the episode and went, hey, guys,

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Speaker 2: in terms of imposter syndrome, let's all back ourselves. And

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Speaker 2: she did a thread called toot your own horn and

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Speaker 2: she's like, tell me how good you are, tell me

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Speaker 2: why you don't have imposter syndrome, celebrate yourself. And the

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Speaker 2: posts are actually like really inspiring, it's really all.

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Speaker 1: It's really cute.

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Speaker 3: Yeah, So this week, Tony, what do we have?

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Speaker 5: So on Monday, we had a money diary with a

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Speaker 5: really really lovely woman who's been through Helen back in

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Speaker 5: the last eighteen months. So V and I had a

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Speaker 5: chat with her and she told us that her fiance

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Speaker 5: was in a really bad accident overseas just before they

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Speaker 5: were supposed to get married, which like added a bit

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Speaker 5: of drama and spice to the story. And yeah, so

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Speaker 5: basically she'd been saying to him for a really long time,

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Speaker 5: make sure you get your insurances in order, make sure

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Speaker 5: that you're organized if anything goes wrong.

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Speaker 1: And then something did go wrong.

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Speaker 5: The way she talked about it, don't you agree, Vee

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Speaker 5: was really empowering.

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Speaker 1: There was no point when we were listening and went,

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Speaker 1: oh god, she's a bit whoe is me? She was

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Speaker 1: just so switched on.

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Speaker 6: Yeah.

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Speaker 4: It was actually, in a way a little bit jarring

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Speaker 4: and in the best possible ways, right, because I had

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Speaker 4: no idea what that money diary was about, because I

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Speaker 4: never know until I actually get in the room and

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Speaker 4: then you read the email, right, and that's talk. Oh

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Speaker 4: my gosh, Like I thought that this would be, you know,

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Speaker 4: a little bit more of a down episode. But she

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Speaker 4: was so positive and it was so beautiful and I

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Speaker 4: just love that She's like, no, I was still getting married,

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Speaker 4: We still doing all this stuff like we do in

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Speaker 4: life together. It was just such a feel good story.

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Speaker 1: Yeah, it was.

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Speaker 2: Is it bad that it then makes me feel guilty

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Speaker 2: that I was like, Oh my coffee wasn't that hot

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Speaker 2: this morning?

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Speaker 3: How annoying, And she's just gone through all that and

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Speaker 3: it's just like, oh, whatever, it's fine.

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Speaker 5: I think it's nice when you hear those things that

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Speaker 5: put that stuff into perspective. Though We've definitely had times

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Speaker 5: in the office where I've been like, oh, my tram

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Speaker 5: was like oh my umbrella wasn't in my bag and

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Speaker 5: I've gotten all wet or whatever, and then we chat

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Speaker 5: to these amazing people in our community and I'm like, Okay, it's.

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Speaker 4: Pull your head Intoeah, It's really not that.

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Speaker 3: And the deep die of this week was about health insurance.

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Speaker 5: Yeah, so it kind of accidentally lined up with what

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Speaker 5: we chatted about in our money diary about having your

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Speaker 5: insurances together. But Georgia King and Victoria had a bit

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Speaker 5: of a chat about the health private health insurance premiums

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Speaker 5: going up every year, and it was really nice actually

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Speaker 5: hearing a little comparison between Well, I mean, you did

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Speaker 5: a great job, you always do.

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Speaker 4: Thank you. Did you know the insurance has actually went

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Speaker 4: up this year by two point seven four percent?

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Speaker 3: Is that a lot?

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Speaker 4: I just feel like it it's a bit of a

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Speaker 4: kick in the nuts after the year that we had.

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Speaker 4: Why'd you do that?

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Speaker 1: Because they put it off, didn't they know?

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Speaker 4: So this is the one that's going off, But the

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Speaker 4: last increase they put off for a little bit to

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Speaker 4: give us a little bit of COVID relief, which means

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Speaker 4: that they're closer together. So we've obviously got this, but

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Speaker 4: we also had one as well, So it just feels

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Speaker 4: a little bit too soon, guys.

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Speaker 5: But it was a really great chat that you guys

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Speaker 5: had that it didn't really say like you need private

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Speaker 5: health insurance, you don't need it, you shouldn't have it,

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Speaker 5: you should have it. It was really just about knowing

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Speaker 5: how to educate yourself. There were some great resources as well,

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Speaker 5: So if you've listened to it and you didn't see

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Speaker 5: in the show notes, there's a few little links that'll

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Speaker 5: take you to the right place and also are linked

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Speaker 5: by Victoria's book.

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Speaker 2: So go and check out those episodes. But this is

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Speaker 2: Friday Drinks where we like to celebrate the community talk

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Speaker 2: about what's going on in the money world. And Tony,

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Speaker 2: you came in hot and said, guys, we're ditching the plastic,

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Speaker 2: but it's not what we think.

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Speaker 1: Right, No, it's not so.

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Speaker 5: This bank in Australia has now changed their plastic debit cars,

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Speaker 5: which we all know on love. I mean, does anybody

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Speaker 5: really carry around a card anymore? I mean, is it

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Speaker 5: really bad that I only use Apple Pay? Is that naughty?

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Speaker 4: I don't think it's that naughty. I think it's just

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Speaker 4: only naughty if you're mindlessly spending on any way that

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Speaker 4: you pay.

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Speaker 3: Oh, have you got Apple to tap pay on your

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Speaker 3: phone or use the card?

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Speaker 6: No?

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Speaker 4: I do.

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Speaker 5: I just oh it's I mean, I'm not like getting

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Speaker 5: a kickback. It's really handy.

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Speaker 3: No, I'm sold on it. I'm just never got around

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Speaker 3: to it.

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Speaker 1: No, it's really good. But anyway, this is.

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Speaker 3: That what this company is doing.

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Speaker 5: No, so Gateway Bank in Australia. They've said goodbye to

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Speaker 5: paying with plastic and hello to paying with corn starch.

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Speaker 5: And it's Australia that's catchy. I love that instead.

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Speaker 1: Ditch the plastic. When we talk about not having a

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Speaker 1: credit card, will say, ditch the.

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Speaker 4: Corn starch because we don't want thick sauces. Where are

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Speaker 4: we going with this?

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Speaker 5: They're the first Australian bank to change their bank card

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Speaker 5: to being made out of corn starch except for the

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Speaker 5: magnetic strip and the little you know, the knobbly bits

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Speaker 5: on your card where it says your.

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Speaker 4: Name the numbers, so they have to be I don't know,

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Speaker 4: they have to be raised, yeah.

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Speaker 5: And it has to be compliant with like I guess,

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Speaker 5: so it's if the power goes out they can use.

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Speaker 6: Yeah.

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Speaker 4: All I can think of is how when I used

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Speaker 4: to go out and not want to take any like

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Speaker 4: collateral with Yah used to shove my bank card in

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Speaker 4: your bar?

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Speaker 1: Right?

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Speaker 4: Am I going to go to get it out in

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Speaker 4: the future and I'm just going to have a plastic

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Speaker 4: strip of the magnetics thing.

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Speaker 1: Like Victoria Divine is going to be like alphabets.

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Speaker 4: Yeah, and I've just made sauce in my bra Yeah.

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Speaker 5: Well that's why I like, if you get stuck in

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Speaker 5: the rain, do you have gravy instead of a waiter

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Speaker 5: so you can't buy lunch but you can eat the cards.

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Speaker 4: That's taking a new meaning to it's all gravy when

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Speaker 4: we talk about money.

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Speaker 2: The difference between Victoria and Tony and I V was like,

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Speaker 2: what if I'm going out in my pretty dress? An

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Speaker 2: Tony and I are both like, so if we're out

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Speaker 2: in the rain getting food suck on it.

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Speaker 5: Well, I want to know if this is the true

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Speaker 5: meaning of ethical investing.

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Speaker 3: I see what you're doing.

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Speaker 1: Oh guys, that was funny.

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Speaker 4: That's not ethical. You were meant to say like sustainable

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Speaker 4: or something, and I would have been like, again, we'll laugh,

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Speaker 4: I promise is this she actually believed?

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Speaker 1: That's so cute.

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Speaker 2: But in all seriousness, do we think a we know

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Speaker 2: why they're trying to do it, they're trying to be

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Speaker 2: environmentally conscious or as the corn, such thing just puts

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Speaker 2: us off a bit and it's a bit weird.

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Speaker 1: I just think it's goodish.

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Speaker 4: I think it's great. I think a great step towards sustainability.

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Speaker 5: So the CEO has come out and said they're very

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Speaker 5: proud to be Australia's first bank to offer a sustainable

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Speaker 5: option for people to use their bank.

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Speaker 1: But I don't know.

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Speaker 5: I think it's just like, how are they making sure?

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Speaker 5: Is it full of glue?

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Speaker 4: It's kind of like all of the sustainable cutlery and

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Speaker 4: stuff that's coming out recently, right, Like you've got all

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Speaker 4: these schlastic cutlery pieces, I don't know, paraphernalia made out

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Speaker 4: of like sugar cane and corn starch and bamboo, and

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Speaker 4: I think that that's really cool and that's working. Well.

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Speaker 2: Can I put it out there? Those paper straws just

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Speaker 2: don't bother? Just drink it out of the McDonald's.

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Speaker 4: What are you doing when I go through drive through

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Speaker 4: to get my coke and my small chips, because that's

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Speaker 4: what I do most times. I'm on the way home

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Speaker 4: and giving me a paper straw. It is soggy by

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Speaker 4: the time we get there. Can we have those sugar

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Speaker 4: cane ones just across the Boy's so much better?

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Speaker 2: Right?

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Speaker 6: Yeah?

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Speaker 1: I went somewhere the other day that had pasta.

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Speaker 4: What if I'm gluten intolerant, which I am, goodbye, I

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Speaker 4: really appreciate it, but a pasta one? Did they go, hey,

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Speaker 4: do you want to straw with your meal? And you

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Speaker 4: were like yes please? Are you gluten intolerant? Oh? Sorry,

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Speaker 4: I just ordered a coke?

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Speaker 1: Or what if you ordered a hot drinkles.

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Speaker 4: You'd like go back and be like, sorry, I ordered

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Speaker 4: chicken noodle soup, not just chicken soup, and they're like, oh,

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Speaker 4: the noodles.

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Speaker 6: Is all right.

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Speaker 2: So there's this article called here's the mistakes You're making.

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Speaker 2: That's costing you heaps of money with your heating bills.

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Speaker 2: And I worked at home all the year last year

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Speaker 2: and our house was really badly insulated, so it was

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Speaker 2: just really cold all the time.

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Speaker 3: Fifteen hundred dollars for a quarter, that's a lot.

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Speaker 5: I think our power bills tends to hang around three

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Speaker 5: four hundred dollars per quarter. And that's just the two

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Speaker 5: of us. Yeah, I don't know what's yours, Victoria.

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Speaker 4: Is it bad if my partner pays it?

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Speaker 1: No, I mean it's great for you, it's not bad

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Speaker 1: for me.

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Speaker 4: But I actually haven't seen one because we just moved

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Speaker 4: right and I think Steve organized it all.

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Speaker 3: Oh yeah, so this is going to be your first

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Speaker 3: winter in the new house.

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Speaker 2: We haven't possibly well, here is five mistakes that people

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Speaker 2: in Australia say, six cold.

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Speaker 4: One Okay, so it's getting shorter and shorter. You better

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Speaker 4: get into it. We don't have any.

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Speaker 3: And thanks for tuning in today.

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Speaker 2: All right, here's five heating mistakes that people make and

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Speaker 2: it costs them heaps of money apparently. So what we're

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Speaker 2: going to do is we're going to go through the

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Speaker 2: five things and see how many of these bad things

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Speaker 2: we have done.

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Speaker 1: If we're guilty of making about to get called out.

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Speaker 2: All right, mistake number one, assuming the most expensive heater

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Speaker 2: will be the best heater. So apparently, you know, choice

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Speaker 2: that website that does all the comparisons is that they

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Speaker 2: found out that some budget heaters cost less to buy

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Speaker 2: and it also costs less to run as well. So

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Speaker 2: you really, I think I had this thing in my

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Speaker 2: mind like, oh, you pay for the good expensive heater,

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Speaker 2: but you get it back because it's so efficient.

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Speaker 3: But that's what our parents.

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Speaker 4: Have sold us. They're the same people that yell at

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Speaker 4: us for the tumble dryer, Like, God forbid you use

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Speaker 4: a tumble dryer inside your house in the middle of winter.

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Speaker 4: If your mum sees it's a good day outside you

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Speaker 4: you're going to get cut.

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Speaker 3: Yeah, so you reckon.

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Speaker 2: They've also said they've drilled that into us that you

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Speaker 2: spend more and it's better.

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Speaker 4: Absolutely. Do you know how many fights we had when

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Speaker 4: I was growing up with my dad being like, turn

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Speaker 4: the heat down. It can't be above twenty one ra.

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Speaker 4: It's ridiculous. Like genuinely we would get in trouble for

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Speaker 4: changing the thermostat in the hallway. It's a pain point

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Speaker 4: for me.

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Speaker 1: Yeah, it's I'm so sorry.

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Speaker 4: So the argument this one's for you.

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Speaker 3: Is it fair to say we're all guilty of just

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Speaker 3: assuming that that was correct?

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Speaker 1: Yeah, and that goes for all appliances.

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Speaker 4: I think I didn't assume it. I was bullied as

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Speaker 4: a child, all right.

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Speaker 2: Next one forgetting to use reverse mode on your ceiling fans.

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Speaker 1: Oh, I don't think this is a thing.

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Speaker 4: No, No, I do. I know it's a thing.

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Speaker 5: It's like my dad whatever, But I don't think it's

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Speaker 5: a thing.

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Speaker 4: No, it's totally a thing. Oh, because it works. No,

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Speaker 4: because the fans they're slanted so like they either pull

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Speaker 4: air up or push it down. And in the middle

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Speaker 4: of winter you want it to push the air down

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Speaker 4: because hot air rises, and if you've got your fan

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Speaker 4: on low, it's slowly pushing your hot air back down.

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Speaker 4: And then in summer, obviously you want the hot air

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Speaker 4: to rise, so you turn it on reverse and it works,

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Speaker 4: I promise, because I used to not know about this,

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Speaker 4: and then I thought that the fan was just making

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Speaker 4: me hotter, and they're like, well, was it on the

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Speaker 4: summer setting? And I was like what? And then I

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Speaker 4: found it and it.

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Speaker 1: Actually helped.

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Speaker 2: When I first found out. I was like, well, that's

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Speaker 2: obviously not correct. But apparently and we are using the

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Speaker 2: fan is cheaper than the heater. So apparently if we've

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Speaker 2: got that and we can, you know, not use the

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Speaker 2: heater as much. And Tony is still not like, I'm.

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Speaker 5: Just not convinced about the El Nino. But I understand

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Speaker 5: what you're saying. I understand the science behind it, but.

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Speaker 4: What were you saying?

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Speaker 3: Right, I'll put that down for a Tony not believe in.

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Speaker 3: That's fun, all right?

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Speaker 4: Number three, I don't get it started on religion or politics.

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Speaker 2: Number three, And now I think Victoria's dad's going to

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Speaker 2: have something to say about this.

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Speaker 1: Well, it's about Slida Eric on the phone, give him

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Speaker 1: a call.

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Speaker 2: Cranking the temperature. Apparently the experts say that the difference

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Speaker 2: between what you want, you know, you say to the

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Speaker 2: heat up put it on twenty six degrees and what

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Speaker 2: it is outside has to be within eight degrees of

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Speaker 2: each other. So the outside temp has to be within

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Speaker 2: eight degrees of your desired temp because if it's because

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Speaker 2: if it's not, it's actually wasting energy and it's not

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Speaker 2: possible and it's just using more energy than actual heat provider.

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Speaker 4: Well I am not paying for it to be zero

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Speaker 4: degrees outside and my house to be heated to warm

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Speaker 4: and toasty eight degrees? Are you very joking me?

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Speaker 2: But I don't think it's going to get to like

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Speaker 2: it's saying it's not actually going to get it to

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Speaker 2: twenty six, like just having it within eight.

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Speaker 4: Oh, you best believe the heat is in my house.

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Speaker 4: I reckon it's thirty two degrees around.

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Speaker 1: They are the most expensive ones on the market.

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Speaker 4: They're aducted, and I've got to use my fans because

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Speaker 4: they're in the should.

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Speaker 3: We do it?

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Speaker 2: Ses on the money sweep to what Victoria's power bill

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Speaker 2: is going to be at the end of winter.

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Speaker 1: Oh that's a good idea.

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Speaker 4: Gosh, it would be bad because I'm you know, I'm

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Speaker 4: very environmentally conscious that the heater is definitely my downfall.

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Speaker 1: Well, I think that most people can relate to that absolutely.

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Speaker 4: And I also low key use my tumble dry resign.

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Speaker 3: Yes, oh that t shirts a bit creepy, chucking get me.

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Speaker 4: Everyone thinks I'm so put together when in reality I

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Speaker 4: had a toasty dress to get into it.

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Speaker 3: All right, the next one using the heater to dry

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Speaker 3: your laundry?

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Speaker 4: Okay, I mean, I just okay, yeah, cool, it's been

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Speaker 4: nice knowing you guys.

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Speaker 3: Tony Lodge. Is this something that happens in your household?

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Speaker 5: No, it's not, because so we've only got one like

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Speaker 5: reverse cycle unit in our house. So if we have

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Speaker 5: that on and we've got wet washing, so we've just

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Speaker 5: got a little apartment, it just makes the room.

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Speaker 1: To you.

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Speaker 5: So then our windows glaze over and it looks like

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Speaker 5: we've had a real romp in the in the hay

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Speaker 5: like in Titanic.

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Speaker 4: Back here, I am thinking you had a healthy relation.

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Speaker 1: It's just the watching introducing humidity into our house.

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Speaker 2: Well, apparently a lot of people will put the you know,

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00:15:20,120 --> 00:15:21,720
Speaker 2: like on the clothes horse, and they'll put it over

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Speaker 2: the heating ducts next to the heater. It actually blocks

359
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Speaker 2: the hot air getting to the rest of the room.

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Speaker 2: Bus you need a lot more heat when you're covering

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Speaker 2: it over.

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Speaker 1: That actually makes.

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Speaker 2: Yeah, Tony was practically right. I'm very guilty of this.

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Speaker 2: We don't have a dryer at this stage, you know,

365
00:15:36,920 --> 00:15:39,160
Speaker 2: not Victoria, Yes, at the moment, but.

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Speaker 3: I use the heater and guilty as charged.

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Speaker 2: So there are the five how many do you have, Tony?

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Speaker 2: You kind of disagree with all of them.

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Speaker 5: Yeah, I don't disagree with I don't agree with science.

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Speaker 5: I think I had two on there.

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Speaker 3: Yeah. Do you feel better for knowing those?

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Speaker 4: I actually don't want to talk about it.

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Speaker 5: I feel like we've all learned about Victoria's habits and

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Speaker 5: her family relations.

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Speaker 4: Can you imagine how angry my dad's going to be

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Speaker 4: at me when he finds out I keep my house

377
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Speaker 4: at a cool thirty two degrees all the time, or

378
00:16:08,880 --> 00:16:10,960
Speaker 4: when he says, Victoria, you could have just put a

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00:16:11,040 --> 00:16:14,320
Speaker 4: jumper on, put another pair of socks on, go to

380
00:16:14,360 --> 00:16:17,200
Speaker 4: bed early. You don't need to have that heater on.

381
00:16:17,440 --> 00:16:19,240
Speaker 3: Maybe I should have been tip number six, just put

382
00:16:19,280 --> 00:16:19,800
Speaker 3: a jumper on.

383
00:16:19,920 --> 00:16:21,560
Speaker 1: Yeah, that's a good tip.

384
00:16:21,640 --> 00:16:24,400
Speaker 4: Yeah, put another jumper on. No, do you know how

385
00:16:24,440 --> 00:16:27,240
Speaker 4: fancy these pajamas I'm wearing are right now? I'm not

386
00:16:27,320 --> 00:16:28,760
Speaker 4: covering this luxury up.

387
00:16:37,760 --> 00:16:39,600
Speaker 2: I'm going to put this out there. This is a

388
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Speaker 2: trigger warning because people get real worked up about this, and.

389
00:16:42,360 --> 00:16:42,840
Speaker 3: So do I.

390
00:16:43,480 --> 00:16:44,880
Speaker 4: What are you going to talk about?

391
00:16:45,320 --> 00:16:46,680
Speaker 3: Caitlin posted in the Grip.

392
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Speaker 4: Yeah I get I get up in arms every time she.

393
00:16:49,800 --> 00:16:53,240
Speaker 2: Po wanting to know if anyone else feels the same

394
00:16:53,280 --> 00:16:56,640
Speaker 2: as me, Why does it feel illegal and like I'm

395
00:16:56,720 --> 00:17:01,040
Speaker 2: letting down my whole workplace just for a lying or

396
00:17:01,080 --> 00:17:03,720
Speaker 2: asking for leave that I'm actually entitled.

397
00:17:04,000 --> 00:17:05,280
Speaker 4: Oh this is such a good one.

398
00:17:05,359 --> 00:17:07,760
Speaker 2: I find myself having to work myself up to speak

399
00:17:07,760 --> 00:17:09,880
Speaker 2: to the boss, even for a few days. I kind

400
00:17:09,880 --> 00:17:11,800
Speaker 2: of like, you know, dread going on. I'm gonna have

401
00:17:11,800 --> 00:17:13,800
Speaker 2: to go and see him and talk to him. And

402
00:17:13,800 --> 00:17:16,760
Speaker 2: that's for one day, let alone an extended period. Has

403
00:17:16,800 --> 00:17:20,840
Speaker 2: anyone else experienced this? And there are so many comments?

404
00:17:21,200 --> 00:17:23,119
Speaker 2: So who wants to go first? V?

405
00:17:23,760 --> 00:17:27,000
Speaker 3: You? You as are all revers each other. V. What's

406
00:17:27,000 --> 00:17:27,560
Speaker 3: your thoughts?

407
00:17:27,760 --> 00:17:31,320
Speaker 4: Well, I don't have a boss, so I don't feel guilty.

408
00:17:31,440 --> 00:17:34,199
Speaker 4: But as a boss, yeah, Look, as a boss, I

409
00:17:34,240 --> 00:17:37,760
Speaker 4: feel like I'm probably a bit different. I just I

410
00:17:37,880 --> 00:17:41,239
Speaker 4: genuinely think that people should be taking leave. And you know,

411
00:17:41,359 --> 00:17:44,360
Speaker 4: you both are in my team, so you know what

412
00:17:44,440 --> 00:17:47,639
Speaker 4: my approach is to it. And I arguably argued with

413
00:17:47,760 --> 00:17:50,240
Speaker 4: you recently Tony about taking more leave than what you

414
00:17:50,280 --> 00:17:52,200
Speaker 4: were planning on taking, and I was like, what, no,

415
00:17:52,240 --> 00:17:52,680
Speaker 4: take more?

416
00:17:52,760 --> 00:17:54,880
Speaker 1: Like that's a great trier bye bye.

417
00:17:55,280 --> 00:17:57,359
Speaker 4: And for me, I think it's really positive for your

418
00:17:57,359 --> 00:17:59,320
Speaker 4: team to be taking leave for their mental health. For

419
00:17:59,359 --> 00:18:02,239
Speaker 4: their family, their friends and whatever else they're doing. But

420
00:18:02,359 --> 00:18:04,919
Speaker 4: also like, let's just make it a little bit more

421
00:18:04,920 --> 00:18:07,240
Speaker 4: about the business owner for a second. I don't want

422
00:18:07,280 --> 00:18:11,400
Speaker 4: you having massive leave balances on my balance sheet every year. True,

423
00:18:11,440 --> 00:18:15,159
Speaker 4: that's massive because if you then left my business, I

424
00:18:15,200 --> 00:18:17,320
Speaker 4: have to pay you out all of that leave anyway,

425
00:18:17,560 --> 00:18:19,719
Speaker 4: So whether you're feeling bad for taking it or not,

426
00:18:19,800 --> 00:18:20,920
Speaker 4: I'm gonna pay it anyway.

427
00:18:21,280 --> 00:18:24,320
Speaker 2: That actually annoys me so much with the balance things,

428
00:18:24,320 --> 00:18:26,399
Speaker 2: because often it's really hard to take leave and then

429
00:18:26,440 --> 00:18:28,320
Speaker 2: an email comes out in June and they're like, you

430
00:18:28,359 --> 00:18:31,159
Speaker 2: have to take your leave, and I've been trying to

431
00:18:31,160 --> 00:18:33,520
Speaker 2: take leave for a year and upon me and I

432
00:18:33,560 --> 00:18:35,600
Speaker 2: have to take it in winter when I wanted to

433
00:18:35,600 --> 00:18:37,280
Speaker 2: go to the beach or do something.

434
00:18:37,040 --> 00:18:39,840
Speaker 3: And stuff like that. So, Tony, what's your read?

435
00:18:40,119 --> 00:18:43,040
Speaker 5: I've because I think hearing your perspective as a boss

436
00:18:43,119 --> 00:18:45,960
Speaker 5: V is really interesting because I would have never thought

437
00:18:45,960 --> 00:18:46,480
Speaker 5: about like.

438
00:18:46,520 --> 00:18:49,399
Speaker 1: The balance sheet or the budget or how that looks

439
00:18:49,440 --> 00:18:49,760
Speaker 1: for you.

440
00:18:50,400 --> 00:18:53,560
Speaker 5: Mine is probably more about my team because I know

441
00:18:53,840 --> 00:18:56,359
Speaker 5: that if I have time off because I'm ill, or

442
00:18:56,400 --> 00:18:58,959
Speaker 5: because I want to go on holiday or whatever, I

443
00:18:59,000 --> 00:19:00,840
Speaker 5: think about how that's going to impact the people that

444
00:19:00,880 --> 00:19:03,840
Speaker 5: I work with, So say I'm not coming in, I think, oh,

445
00:19:03,840 --> 00:19:05,840
Speaker 5: my gosh, is that Ryan's going to have to cut

446
00:19:05,840 --> 00:19:08,000
Speaker 5: the podcast or Jess is going to have to do

447
00:19:08,080 --> 00:19:09,600
Speaker 5: something for me and George is going to have to

448
00:19:09,640 --> 00:19:11,680
Speaker 5: do more to make up for me or whatever. And

449
00:19:11,720 --> 00:19:14,200
Speaker 5: that's my perspective. And I think because I'm a little

450
00:19:14,200 --> 00:19:17,000
Speaker 5: anxious being, I'm always thinking I don't want to let

451
00:19:17,000 --> 00:19:19,000
Speaker 5: the team down and have time off and have to

452
00:19:19,240 --> 00:19:20,399
Speaker 5: get other people to cover me.

453
00:19:20,600 --> 00:19:23,560
Speaker 4: I totally get that, but flip that if Ryan was

454
00:19:23,600 --> 00:19:26,160
Speaker 4: really sick, wouldn't you be like, Oh, don't worry, Ryan,

455
00:19:26,320 --> 00:19:28,960
Speaker 4: I'll cut it for you. So you're extending the grace

456
00:19:29,000 --> 00:19:30,959
Speaker 4: to him, but like just not giving it to yourself

457
00:19:31,000 --> 00:19:31,840
Speaker 4: when you're not well.

458
00:19:32,240 --> 00:19:34,919
Speaker 2: So Caitlin in the group, she writes, this is so

459
00:19:35,040 --> 00:19:37,760
Speaker 2: relatable for me. The issue isn't asking for the leave,

460
00:19:37,840 --> 00:19:40,160
Speaker 2: it's being able to enjoy the leave when I'm on it,

461
00:19:40,320 --> 00:19:42,760
Speaker 2: because when I'm not at work, I'm thinking, oh, is

462
00:19:42,800 --> 00:19:43,680
Speaker 2: that thing getting done?

463
00:19:43,880 --> 00:19:45,800
Speaker 3: Is that person who's covering for me? Are they okay?

464
00:19:46,119 --> 00:19:48,800
Speaker 2: And I don't actually get to enjoy my time off

465
00:19:48,840 --> 00:19:50,440
Speaker 2: because I'm still mentally could.

466
00:19:50,280 --> 00:19:52,879
Speaker 4: You just like key in a song, toxic by Britney speak,

467
00:19:53,080 --> 00:19:56,840
Speaker 4: it's about her workplace. Yeah, No, if you feel bad

468
00:19:57,000 --> 00:19:59,680
Speaker 4: being on leave, that's not a positive thing. Like you

469
00:19:59,720 --> 00:20:02,560
Speaker 4: should have created a culture where you can leave and

470
00:20:02,600 --> 00:20:05,320
Speaker 4: feel really comfortable to enjoy your time because your team

471
00:20:05,720 --> 00:20:09,000
Speaker 4: is covering for you, or everything's been organized. And I

472
00:20:09,040 --> 00:20:10,840
Speaker 4: know that sometimes that means you do do up a

473
00:20:10,880 --> 00:20:12,720
Speaker 4: little bit of a hand over documents so that you

474
00:20:12,760 --> 00:20:14,600
Speaker 4: don't feel like you're losing track and you know what

475
00:20:14,640 --> 00:20:17,040
Speaker 4: you're going to come back into, and that's all okay,

476
00:20:17,200 --> 00:20:19,280
Speaker 4: But I think if you're on holidays you should be

477
00:20:19,359 --> 00:20:21,640
Speaker 4: enjoying that, And if you're not enjoying that, you really

478
00:20:21,640 --> 00:20:23,680
Speaker 4: need to have to think about why that's not the case,

479
00:20:23,720 --> 00:20:25,879
Speaker 4: because that's not fair on you. It's not fair on

480
00:20:25,920 --> 00:20:28,439
Speaker 4: your mental health. And then furthering that, let's be a

481
00:20:28,440 --> 00:20:31,159
Speaker 4: little bit business self centered for a second. It's actually

482
00:20:31,200 --> 00:20:33,080
Speaker 4: not fair on your business for you not to be

483
00:20:33,119 --> 00:20:36,320
Speaker 4: well rested and not to be mentally well and physically well.

484
00:20:36,480 --> 00:20:38,920
Speaker 4: You need that break. You perform better when you're at

485
00:20:38,920 --> 00:20:40,600
Speaker 4: work and you're a whole being.

486
00:20:41,000 --> 00:20:44,199
Speaker 2: Yeah, one thing that annoys me And this might just

487
00:20:44,240 --> 00:20:45,320
Speaker 2: be a real nitpicky thing.

488
00:20:45,440 --> 00:20:48,919
Speaker 4: Yeah, guys, it's me when you get a job the

489
00:20:48,960 --> 00:20:55,080
Speaker 4: old boss, that's why did he think that I'm his

490
00:20:55,240 --> 00:20:55,840
Speaker 4: work wise?

491
00:20:56,119 --> 00:20:56,679
Speaker 1: Quite sweet?

492
00:20:57,400 --> 00:20:57,800
Speaker 3: Are you not?

493
00:20:59,160 --> 00:21:04,679
Speaker 1: Who the hell? Something's going to happen?

494
00:21:04,960 --> 00:21:06,000
Speaker 3: Guys don't look at each other.

495
00:21:07,320 --> 00:21:09,080
Speaker 2: One thing that annoys me is that when you sign

496
00:21:09,119 --> 00:21:12,360
Speaker 2: a job, you know you contract your workplace employment. Part

497
00:21:12,400 --> 00:21:15,240
Speaker 2: of the deal is you get four weeks off that's

498
00:21:15,320 --> 00:21:17,680
Speaker 2: owed to you. You don't You shouldn't be Oh, I'm

499
00:21:17,680 --> 00:21:19,640
Speaker 2: so lucky you have it. No, No, we signed the deal.

500
00:21:20,160 --> 00:21:22,320
Speaker 2: That was the deal, and you work for it. You

501
00:21:22,359 --> 00:21:25,000
Speaker 2: work for it. And for me, imagine every month going

502
00:21:25,040 --> 00:21:27,280
Speaker 2: to your boss and being like, oh, can you please

503
00:21:27,320 --> 00:21:29,919
Speaker 2: pay me and then being like oh far out. It's like,

504
00:21:30,000 --> 00:21:32,040
Speaker 2: well no, and it's the same thing. I worked for

505
00:21:32,440 --> 00:21:34,520
Speaker 2: the money, and I also work to accue a crew

506
00:21:34,600 --> 00:21:34,960
Speaker 2: this leave.

507
00:21:35,080 --> 00:21:36,639
Speaker 3: So you signed the deal.

508
00:21:36,880 --> 00:21:39,440
Speaker 2: I shouldn't have to be made to feel bad about

509
00:21:39,760 --> 00:21:41,119
Speaker 2: just getting what I'm entitled to.

510
00:21:41,400 --> 00:21:42,080
Speaker 1: And whilst I.

511
00:21:42,000 --> 00:21:44,600
Speaker 5: Totally agree with where you're coming from, I have one

512
00:21:44,680 --> 00:21:47,600
Speaker 5: hundred percent worked in workplaces that make you feel like

513
00:21:47,680 --> 00:21:50,359
Speaker 5: you are so lucky to be getting paid that week

514
00:21:50,480 --> 00:21:53,000
Speaker 5: or so lucky to be going on leave. So unfortunately

515
00:21:53,080 --> 00:21:56,840
Speaker 5: I get where Caitlin's coming from because that really really sucks.

516
00:21:58,119 --> 00:21:59,880
Speaker 4: I've been there. I felt like that too.

517
00:22:00,000 --> 00:22:02,119
Speaker 5: I don't think there's anybody that hasn't worked in a

518
00:22:02,119 --> 00:22:04,159
Speaker 5: place that's like that. Luckily for me now work for

519
00:22:04,200 --> 00:22:05,879
Speaker 5: the best boss in the world, but you know, wants

520
00:22:05,880 --> 00:22:09,560
Speaker 5: to clear her balance sheet so that I.

521
00:22:14,600 --> 00:22:16,680
Speaker 2: So last week on She's on the Money, You guys

522
00:22:16,720 --> 00:22:19,560
Speaker 2: did an episode on imposter syndrome. Actually a question without

523
00:22:19,600 --> 00:22:21,880
Speaker 2: notice V how would you sum up imposter syndrome?

524
00:22:22,160 --> 00:22:23,200
Speaker 3: How did you define it?

525
00:22:23,200 --> 00:22:25,520
Speaker 4: It's where you think you're faking it until you make it,

526
00:22:25,560 --> 00:22:27,639
Speaker 4: and you genuinely believed that you were a fake the

527
00:22:27,680 --> 00:22:28,879
Speaker 4: whole time, but it's not true.

528
00:22:28,920 --> 00:22:31,000
Speaker 3: It's like they're going to figure out that I'm a faire.

529
00:22:31,000 --> 00:22:33,560
Speaker 4: You're going to be exposed for doing your job well.

530
00:22:33,640 --> 00:22:35,800
Speaker 2: And a lot of people really resonated with that episode

531
00:22:35,800 --> 00:22:37,440
Speaker 2: because I feel like, is it fit like the three

532
00:22:37,480 --> 00:22:39,720
Speaker 2: we've all had. I've had experiences like I still have

533
00:22:39,760 --> 00:22:42,399
Speaker 2: it all the time that you guys are same A man.

534
00:22:42,280 --> 00:22:44,360
Speaker 4: Who has imposter syndrome, Well.

535
00:22:44,320 --> 00:22:46,200
Speaker 1: Tony my heart.

536
00:22:46,240 --> 00:22:50,760
Speaker 2: Bleys who know a straight white middle class guy, I

537
00:22:50,840 --> 00:22:51,640
Speaker 2: must be so.

538
00:22:52,000 --> 00:22:54,600
Speaker 1: Hard for you. I can't relate to that unrelatable content.

539
00:22:55,480 --> 00:22:59,840
Speaker 5: But I think that anybody, man, woman, non binary, does

540
00:22:59,880 --> 00:23:03,560
Speaker 5: not matter who you are. There's every single person is

541
00:23:03,600 --> 00:23:04,320
Speaker 5: confronted with that.

542
00:23:04,480 --> 00:23:06,800
Speaker 4: It's hard too because you just don't know who to

543
00:23:06,880 --> 00:23:09,680
Speaker 4: talk to and don't know how to validate those feelings,

544
00:23:09,720 --> 00:23:11,400
Speaker 4: and it's just it's challenging.

545
00:23:11,520 --> 00:23:12,679
Speaker 2: Well, you do know who to speak to you Now,

546
00:23:12,960 --> 00:23:15,680
Speaker 2: she's in the money group because after the episode, Sophie

547
00:23:15,720 --> 00:23:17,600
Speaker 2: Marshall did a post and she was like, I heard

548
00:23:17,600 --> 00:23:20,520
Speaker 2: the episode. It really resonated with me. So I'm starting

549
00:23:20,560 --> 00:23:23,680
Speaker 2: a thread about tooting your own horn, which is super cool,

550
00:23:23,840 --> 00:23:26,520
Speaker 2: super empowering. We've all got some of our favorite horn

551
00:23:26,560 --> 00:23:29,359
Speaker 2: toots and Victoria will go first.

552
00:23:29,520 --> 00:23:31,840
Speaker 4: Okay, I am very excited about these. I got to

553
00:23:31,880 --> 00:23:34,359
Speaker 4: go first, which means I got to arguably now the

554
00:23:34,359 --> 00:23:37,280
Speaker 4: best to your own fast. So the first one was

555
00:23:37,320 --> 00:23:39,600
Speaker 4: by Nicole and I liked this one. It was short,

556
00:23:39,680 --> 00:23:42,280
Speaker 4: sharp to the point she says, quit my toxic nine

557
00:23:42,320 --> 00:23:44,679
Speaker 4: to five job. I'm now a full time plarties teacher.

558
00:23:44,800 --> 00:23:46,640
Speaker 3: Oh legends too.

559
00:23:47,119 --> 00:23:48,959
Speaker 4: I like that she got a lot of likes on that,

560
00:23:49,040 --> 00:23:51,760
Speaker 4: and I think that that's so empowering, Like, how we

561
00:23:51,760 --> 00:23:55,440
Speaker 4: exciting quit my toxic job? Yes, money win life, win

562
00:23:55,600 --> 00:23:56,560
Speaker 4: everything Win.

563
00:23:56,600 --> 00:23:58,359
Speaker 1: A little bit off topic, but there's been.

564
00:23:58,240 --> 00:24:02,520
Speaker 5: A lot of really in credible posts in our community lately,

565
00:24:02,760 --> 00:24:05,600
Speaker 5: but people talking about ditching their job even though it's

566
00:24:05,640 --> 00:24:08,000
Speaker 5: high paying, and going to something they're really passionate about.

567
00:24:08,440 --> 00:24:12,160
Speaker 1: And there is just something that really that does mean yeah, yeah,

568
00:24:12,320 --> 00:24:12,800
Speaker 1: makes me.

569
00:24:12,880 --> 00:24:15,840
Speaker 5: So happy to hear for other people because oh it's

570
00:24:15,840 --> 00:24:17,399
Speaker 5: so exciting, just something about it.

571
00:24:17,480 --> 00:24:19,840
Speaker 4: Yeah, right, well you're gonna like this next one, yes,

572
00:24:20,160 --> 00:24:23,320
Speaker 4: So before I get into it, Ryan, you'd know Big four.

573
00:24:23,440 --> 00:24:27,520
Speaker 4: We know we're talking about, you know, consulting accounting fans, right,

574
00:24:27,720 --> 00:24:30,840
Speaker 4: Like becoming a senior consultant is a big deal, right, Like,

575
00:24:30,920 --> 00:24:31,960
Speaker 4: that's a bougie title.

576
00:24:31,960 --> 00:24:32,960
Speaker 1: I don't even know that word.

577
00:24:33,160 --> 00:24:35,119
Speaker 3: Yeah, I mean it's got more than five letters in it,

578
00:24:35,200 --> 00:24:36,320
Speaker 3: so that might not be your area.

579
00:24:36,920 --> 00:24:40,440
Speaker 4: That's really unkind if you ran another white male thing

580
00:24:40,640 --> 00:24:41,040
Speaker 4: of course.

581
00:24:41,400 --> 00:24:44,679
Speaker 5: Yeah, there's that imposter syndrome again, the words with more

582
00:24:44,720 --> 00:24:45,480
Speaker 5: than six letters.

583
00:24:46,160 --> 00:24:50,760
Speaker 4: But this little toot is coming from Steph and she says, Hi, Steph,

584
00:24:51,000 --> 00:24:54,560
Speaker 4: I'm twenty three and working as a senior consultant in

585
00:24:54,640 --> 00:24:58,760
Speaker 4: a Big four professional services firm, which, if you don't

586
00:24:58,760 --> 00:25:02,880
Speaker 4: know what that is, that's a big roll. Yeah, I

587
00:25:02,920 --> 00:25:08,640
Speaker 4: appreciate it, but whatever. And she says, hopefully soon going

588
00:25:08,680 --> 00:25:12,840
Speaker 4: to go to manager and I'm concurrently studying law full time.

589
00:25:14,400 --> 00:25:17,280
Speaker 4: And then she said, need to tute myself more often.

590
00:25:17,640 --> 00:25:22,800
Speaker 4: Yes you do, queen. I literally loved that. I was like, heck, yes,

591
00:25:22,960 --> 00:25:25,880
Speaker 4: because that is so hard to get into a position

592
00:25:26,080 --> 00:25:26,400
Speaker 4: like that.

593
00:25:26,520 --> 00:25:28,040
Speaker 3: It is into the firm in general.

594
00:25:28,040 --> 00:25:31,200
Speaker 4: It's hard enough, exactly, and you're already talking about going

595
00:25:31,240 --> 00:25:35,000
Speaker 4: to a management position at twenty three.

596
00:25:33,800 --> 00:25:36,720
Speaker 5: She's got it on, she's got.

597
00:25:36,600 --> 00:25:37,840
Speaker 3: It going on.

598
00:25:38,000 --> 00:25:40,960
Speaker 1: She's on the money.

599
00:25:41,520 --> 00:25:43,280
Speaker 3: And that is the end of the all podcasts.

600
00:25:43,640 --> 00:25:44,359
Speaker 1: I wish it was.

601
00:25:44,440 --> 00:25:45,919
Speaker 4: You can actually just put me in the bin on

602
00:25:45,920 --> 00:25:46,640
Speaker 4: the way out.

603
00:25:48,320 --> 00:25:49,960
Speaker 1: Okay, I was a bit naughty.

604
00:25:50,000 --> 00:25:55,320
Speaker 5: I've got three, so I'll go through them, all right,

605
00:25:55,320 --> 00:25:55,800
Speaker 5: all right.

606
00:25:55,760 --> 00:25:58,520
Speaker 1: Right, okay. So the first one, which I absolutely love,

607
00:25:58,680 --> 00:26:01,360
Speaker 1: is from someone called Becka Brown. Hi Rebecca.

608
00:26:02,000 --> 00:26:05,080
Speaker 5: They say I'm doing breast cancer research and knows so

609
00:26:05,200 --> 00:26:07,280
Speaker 5: much more than I did in January. And I can't

610
00:26:07,280 --> 00:26:09,720
Speaker 5: explain how proud I am of myself, but I also

611
00:26:09,760 --> 00:26:12,320
Speaker 5: feel like I know absolutely nothing because there's so much

612
00:26:12,359 --> 00:26:15,199
Speaker 5: more to learn. But I'm tooting my own horn anyway.

613
00:26:15,280 --> 00:26:16,879
Speaker 4: Yes, I love that.

614
00:26:16,960 --> 00:26:19,760
Speaker 5: Because I think that sometimes people think that it has

615
00:26:19,800 --> 00:26:22,120
Speaker 5: to be a tangible thing to toot your own horn.

616
00:26:22,160 --> 00:26:24,800
Speaker 1: But no, you learn, that's amazing.

617
00:26:24,280 --> 00:26:28,120
Speaker 2: That's huge, and sometimes it's nice to The more you learn,

618
00:26:28,200 --> 00:26:31,160
Speaker 2: the more you realize you don't know the fact. She's

619
00:26:31,160 --> 00:26:32,600
Speaker 2: aware of that. She's like, I'm on this journey, I'm

620
00:26:32,640 --> 00:26:34,600
Speaker 2: getting started. I've had a great six months and I'm

621
00:26:34,600 --> 00:26:35,760
Speaker 2: still learning more, like.

622
00:26:35,760 --> 00:26:38,520
Speaker 5: And breast cancer research as well. She's a better personally special,

623
00:26:39,320 --> 00:26:41,520
Speaker 5: Emily Jade has got.

624
00:26:41,520 --> 00:26:44,240
Speaker 4: Been working for a company that improves the financial literacy

625
00:26:44,320 --> 00:26:46,159
Speaker 4: rates of literally women all around the country.

626
00:26:46,200 --> 00:26:48,399
Speaker 1: But yeah, cool, Well, I'm sorry, I'm trying to do

627
00:26:48,480 --> 00:26:48,879
Speaker 1: my best.

628
00:26:48,960 --> 00:26:51,320
Speaker 3: Well, when you said she's a better person than I

629
00:26:51,400 --> 00:26:53,040
Speaker 3: were you waiting for us to kind of butt in.

630
00:26:52,960 --> 00:26:54,879
Speaker 1: Because we both I know that you won't.

631
00:26:55,000 --> 00:26:58,359
Speaker 5: I just never wait for that anymore, Okay, Emily Jade

632
00:26:58,440 --> 00:27:00,880
Speaker 5: has said, I moved out and lived alone at sixteen

633
00:27:00,920 --> 00:27:03,400
Speaker 5: and became the first person in my family to finish UNI.

634
00:27:03,800 --> 00:27:04,960
Speaker 1: I am now the only.

635
00:27:04,720 --> 00:27:07,840
Speaker 5: Aboriginal teacher in a school of over three thousand kids

636
00:27:07,880 --> 00:27:09,560
Speaker 5: who syndrome every day.

637
00:27:09,760 --> 00:27:11,879
Speaker 4: No, you're not in imposter. You were exactly where you

638
00:27:11,920 --> 00:27:12,639
Speaker 4: were meant to be.

639
00:27:13,280 --> 00:27:14,280
Speaker 1: In fact amazing.

640
00:27:14,359 --> 00:27:16,320
Speaker 4: There should be more of her in that position.

641
00:27:16,600 --> 00:27:18,920
Speaker 1: She's rapping as well, isn't that amazing?

642
00:27:19,000 --> 00:27:21,440
Speaker 3: That's epic. Three thousand kids school.

643
00:27:21,480 --> 00:27:23,800
Speaker 1: That is a big that's a big school, right, yeah.

644
00:27:23,720 --> 00:27:25,440
Speaker 3: Yeah, big time Kasmania.

645
00:27:25,520 --> 00:27:27,840
Speaker 4: I didn't even know there were three students.

646
00:27:28,080 --> 00:27:29,280
Speaker 1: I've got a sneaky last time.

647
00:27:29,400 --> 00:27:30,520
Speaker 4: Okay, okay, I want to hear it.

648
00:27:30,600 --> 00:27:34,440
Speaker 5: Taylor Arkley said, just moved into my own purchase department

649
00:27:34,520 --> 00:27:39,119
Speaker 5: at nineteen wha getting kicked out of home at sixteen

650
00:27:39,200 --> 00:27:40,960
Speaker 5: and becoming homeless at that age.

651
00:27:41,080 --> 00:27:43,280
Speaker 4: Oh if that's not a money diary in the making,

652
00:27:43,440 --> 00:27:45,800
Speaker 4: my friend, you slide into our dms. We want to

653
00:27:45,800 --> 00:27:46,520
Speaker 4: hear that story.

654
00:27:46,600 --> 00:27:48,680
Speaker 5: I'm very, very proud of this and how far I've come.

655
00:27:48,760 --> 00:27:51,679
Speaker 5: Feels surreal to be able to live in my own place.

656
00:27:51,800 --> 00:27:54,320
Speaker 1: We are also so proud of you. We love you.

657
00:27:54,520 --> 00:28:00,840
Speaker 3: That's amazing. I do too, That's so good.

658
00:28:01,080 --> 00:28:02,680
Speaker 1: I love it when we read the ones that make

659
00:28:02,760 --> 00:28:03,720
Speaker 1: us all a bit crying.

660
00:28:04,200 --> 00:28:05,879
Speaker 4: I think that, you know, we work in this space

661
00:28:05,880 --> 00:28:08,399
Speaker 4: every day, and I would say that we're relatively grateful people,

662
00:28:08,440 --> 00:28:11,719
Speaker 4: but we just sometimes don't comprehend how special the stories

663
00:28:11,760 --> 00:28:15,600
Speaker 4: we get to share are. It's It's epic, very exciting.

664
00:28:16,000 --> 00:28:17,159
Speaker 1: All right, try and top that.

665
00:28:18,359 --> 00:28:19,439
Speaker 3: She should have gone last. That was real.

666
00:28:19,640 --> 00:28:20,639
Speaker 1: Hang on, no, no, all.

667
00:28:20,480 --> 00:28:23,360
Speaker 5: The tooting is amazing. Everyone's on the same level. Some

668
00:28:23,400 --> 00:28:24,600
Speaker 5: stories just hit a bit different.

669
00:28:24,920 --> 00:28:28,399
Speaker 2: Oh good, that well, said, Alice says. In twelve months,

670
00:28:28,440 --> 00:28:31,359
Speaker 2: I've risen from admin assistant to the manager of my

671
00:28:31,600 --> 00:28:36,080
Speaker 2: entire clinic, managing a ten staff across two venues, and

672
00:28:36,240 --> 00:28:37,120
Speaker 2: I'm doing a really.

673
00:28:36,960 --> 00:28:39,200
Speaker 3: Good job of it. I'm doing a good job of it.

674
00:28:39,240 --> 00:28:41,360
Speaker 2: So this week I stood my ground and asked for

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00:28:41,400 --> 00:28:44,200
Speaker 2: an additional six dollars an hour, which adds up to

676
00:28:44,280 --> 00:28:46,280
Speaker 2: a lot over the week and over the years. So,

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00:28:46,560 --> 00:28:48,760
Speaker 2: Alice Murphy, what a legend.

678
00:28:50,240 --> 00:28:51,520
Speaker 1: Indeed amazing.

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00:28:51,840 --> 00:28:55,600
Speaker 2: Now this is a a to my own horn from Angela,

680
00:28:55,640 --> 00:28:56,440
Speaker 2: but I feel.

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00:28:56,160 --> 00:28:57,440
Speaker 3: Like this sums up this whole chat.

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00:28:57,680 --> 00:29:02,640
Speaker 2: Okay, Angeler can confirm imposter syndrome shouldn't exist, because the

683
00:29:02,680 --> 00:29:05,000
Speaker 2: longer I'm in my workplace, I realized that no one

684
00:29:05,000 --> 00:29:06,800
Speaker 2: else actually knows what the hell they're doing.

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00:29:06,880 --> 00:29:12,600
Speaker 4: Yeah, can confirm it shouldn't exist. I genuinely believe that

686
00:29:12,680 --> 00:29:15,640
Speaker 4: as well. It's so interesting as you get a bit

687
00:29:15,680 --> 00:29:18,040
Speaker 4: older and you start to become a little bit more

688
00:29:18,080 --> 00:29:20,040
Speaker 4: experienced in your role. You're like, oh, so we're all

689
00:29:20,080 --> 00:29:22,360
Speaker 4: just popping around here taking we know what we're doing.

690
00:29:22,480 --> 00:29:25,400
Speaker 5: Everyone's just banging on their keyboard like this, trying to

691
00:29:25,440 --> 00:29:26,080
Speaker 5: figure it out.

692
00:29:26,160 --> 00:29:27,000
Speaker 3: I don't really know what I'm doing.

693
00:29:27,040 --> 00:29:28,640
Speaker 2: They're going to find out, and everyone else is sitting

694
00:29:28,640 --> 00:29:30,040
Speaker 2: there going I also don't know what I'm doing.

695
00:29:31,000 --> 00:29:32,720
Speaker 4: I'll just write a whole heap of emails and send

696
00:29:32,720 --> 00:29:33,840
Speaker 4: them to drafts.

697
00:29:33,400 --> 00:29:35,840
Speaker 5: I'll just look angry for the rest of the day,

698
00:29:35,920 --> 00:29:36,520
Speaker 5: and I hope that no.

699
00:29:36,480 --> 00:29:38,240
Speaker 4: One will just half around the office and say I

700
00:29:38,280 --> 00:29:43,240
Speaker 4: need more coffee. All right, we're outing ourselves, all.

701
00:29:43,240 --> 00:29:45,960
Speaker 2: Right, thank you for listening to Friday Drinks. There is

702
00:29:46,000 --> 00:29:47,920
Speaker 2: a bonus episode out this week as well.

703
00:29:48,280 --> 00:29:51,520
Speaker 5: Yes, so we have a very very exciting announcement which

704
00:29:51,560 --> 00:29:53,360
Speaker 5: would have so fun, which you would have.

705
00:29:53,280 --> 00:29:55,000
Speaker 1: Seen on our Instagram if you.

706
00:29:55,000 --> 00:29:59,040
Speaker 5: Want, all right, that's a too our own harnsy I

707
00:29:59,080 --> 00:30:00,480
Speaker 5: would love it if you tot your horn.

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00:30:00,400 --> 00:30:00,800
Speaker 6: Right, Okay.

709
00:30:00,840 --> 00:30:04,480
Speaker 4: We launched our partnership with six Park this week, which

710
00:30:04,600 --> 00:30:07,600
Speaker 4: brings to life investing in a way that is much

711
00:30:07,640 --> 00:30:11,320
Speaker 4: more accessible. It is the next step from micro investing

712
00:30:11,640 --> 00:30:15,360
Speaker 4: and it's full service investment advice. So we're not talking

713
00:30:15,760 --> 00:30:18,280
Speaker 4: you know, jumping on an investment platform and popping your

714
00:30:18,320 --> 00:30:20,960
Speaker 4: money in like most of the micro investing platforms we

715
00:30:20,960 --> 00:30:23,840
Speaker 4: always talk about. It literally gives you a statement of advice,

716
00:30:23,880 --> 00:30:26,360
Speaker 4: which I was talking to you earlier about because you're like, well,

717
00:30:26,360 --> 00:30:29,640
Speaker 4: what's that even cost? The average investment statement of advice

718
00:30:29,640 --> 00:30:32,760
Speaker 4: in Australia sits between three thousand and seven thousand dollars

719
00:30:32,840 --> 00:30:35,240
Speaker 4: for just the advice, and this starts at nine ninety

720
00:30:35,240 --> 00:30:37,080
Speaker 4: five a month. And I think that is pretty good

721
00:30:37,120 --> 00:30:39,320
Speaker 4: to have a financial advisor on call whenever you want

722
00:30:39,320 --> 00:30:40,560
Speaker 4: one to talk about your investments.

723
00:30:40,600 --> 00:30:42,920
Speaker 2: Absolutely, I feel like and tell me if I'm wrong here.

724
00:30:43,200 --> 00:30:46,160
Speaker 2: But being in the group, I feel like there's people

725
00:30:46,160 --> 00:30:49,000
Speaker 2: who are getting started and are using rays and spaceships

726
00:30:49,040 --> 00:30:51,320
Speaker 2: and those great things. There's people who have got inheritance

727
00:30:51,360 --> 00:30:52,840
Speaker 2: or people older than us. They've got a stack and

728
00:30:52,840 --> 00:30:55,240
Speaker 2: they've got these big investment strategies. But there's this gap

729
00:30:55,280 --> 00:30:57,400
Speaker 2: in the middle, massive gap. And is that what we're

730
00:30:57,400 --> 00:30:57,840
Speaker 2: talking about.

731
00:30:57,840 --> 00:31:00,880
Speaker 4: It is filling the void for those peace people who say, hey,

732
00:31:00,960 --> 00:31:02,959
Speaker 4: V like I've been doing my rais or have been

733
00:31:03,000 --> 00:31:05,880
Speaker 4: doing my space sheep or on Clover, like I've got

734
00:31:05,880 --> 00:31:09,520
Speaker 4: to five thousand dollars, what's next? And the logical thing

735
00:31:09,640 --> 00:31:11,760
Speaker 4: is I would love for you to get financial advice

736
00:31:11,800 --> 00:31:15,880
Speaker 4: and start like investing in a well diversified set of ETFs,

737
00:31:15,880 --> 00:31:18,280
Speaker 4: not just one ETF, and you know, get some advice

738
00:31:18,320 --> 00:31:22,280
Speaker 4: to make sure that it's always rebalanced properly. And unfortunately

739
00:31:22,320 --> 00:31:24,440
Speaker 4: that's always been too expensive and I don't want to

740
00:31:24,440 --> 00:31:26,920
Speaker 4: refer you to that because if you have five grand

741
00:31:26,960 --> 00:31:28,840
Speaker 4: and then I'm asking you to spend you know, minimum

742
00:31:28,840 --> 00:31:30,560
Speaker 4: three grand advice.

743
00:31:30,840 --> 00:31:36,200
Speaker 2: It's just so, just as a financial advisor. So there's

744
00:31:36,200 --> 00:31:40,200
Speaker 2: a full bonus episode on that. All the juice, all

745
00:31:40,240 --> 00:31:40,960
Speaker 2: the tea.

746
00:31:40,840 --> 00:31:43,680
Speaker 4: All the tea, you got bees built. Yeah, I think

747
00:31:43,720 --> 00:31:46,480
Speaker 4: that's all we have time for today. But just before

748
00:31:46,520 --> 00:31:48,960
Speaker 4: we head off, we'd like to acknowledge and pay respect

749
00:31:49,000 --> 00:31:52,680
Speaker 4: to Australia's Aboriginal and Torrest Trade islander people's. They're the

750
00:31:52,720 --> 00:31:56,440
Speaker 4: traditional custodians of the lands, the waterways and the skies

751
00:31:56,560 --> 00:31:59,520
Speaker 4: all across Australia. We thank you for caring and for

752
00:31:59,560 --> 00:32:02,560
Speaker 4: sharing land on which we are able to learn. We

753
00:32:02,600 --> 00:32:05,320
Speaker 4: pay our respects to elders past and present, and we

754
00:32:05,360 --> 00:32:07,320
Speaker 4: share our friendship and our kindness.

755
00:32:07,520 --> 00:32:09,959
Speaker 5: The advice shared on She's on the Money is generally

756
00:32:10,080 --> 00:32:13,800
Speaker 5: nature and does not consider your individual circumstances. She's on

757
00:32:13,840 --> 00:32:17,040
Speaker 5: the Money exists purely for educational purposes and should not

758
00:32:17,080 --> 00:32:19,480
Speaker 5: be relied upon to make an investment or purchase or

759
00:32:19,520 --> 00:32:22,760
Speaker 5: financial decision or I added purchase in there or nine.

760
00:32:22,920 --> 00:32:26,000
Speaker 1: But also that yeah, that too, and we promise.

761
00:32:26,080 --> 00:32:30,240
Speaker 5: Victoria Devine is an authorized representative of Australia Pacific Funds

762
00:32:30,240 --> 00:32:33,960
Speaker 5: Management Proprietary Limited ABN three four one three two four

763
00:32:34,040 --> 00:32:37,280
Speaker 5: six three two five seven AFSL three three nine one

764
00:32:37,400 --> 00:32:37,880
Speaker 5: five one.

765
00:32:38,080 --> 00:32:38,400
Speaker 3: All right.

766
00:32:38,400 --> 00:32:40,680
Speaker 2: If you want more info, check out our Instagram and

767
00:32:40,760 --> 00:32:43,080
Speaker 2: join these She's on the Money Facebook community. We're over

768
00:32:43,160 --> 00:32:44,720
Speaker 2: one hundred and seventy found.

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00:32:45,040 --> 00:32:46,400
Speaker 4: People are at my old house.

770
00:32:46,880 --> 00:32:51,760
Speaker 1: It's such a warm bed. There's so many people. Okay,

771
00:32:51,920 --> 00:32:52,840
Speaker 1: that was interesting.

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00:33:00,040 --> 00:33:00,080
Speaker 2: Do