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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money.

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Speaker 4: She's on the Money.

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

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Speaker 2: millennials who want financial freedom and the end of the

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Speaker 2: year to happen literally right now today, my friends, it

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Speaker 2: is Friday, and it is the last Friday of the

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Speaker 2: year that I am going to be getting my little

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Speaker 2: team together to talk about you our incredible She's on

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Speaker 2: the Money community today. Mis just gried. She is going

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Speaker 2: to be sharing her favorite money wins. Beck say ed

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Speaker 2: over this side of the table, you've got our three

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Speaker 2: broke tips to share with us. We've got a juicy

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Speaker 2: money dilemma. As always, this week we're going to be

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Speaker 2: talking all about getting started with shares, and we're gonna

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Speaker 2: be unpacking something you slid into our DMS about. So

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Speaker 2: this week we're talking about friends who borrow money a

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Speaker 2: little bit spicy. But I have also been told that

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Speaker 2: when we get to the end of this episode, our

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Speaker 2: producers sam And and Lisa have cut together what they're calling

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Speaker 2: bloopers from the year that has been scary.

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Speaker 4: It's my favorite things that they did last year.

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Speaker 2: Yeah, okay, but like I was mortified. I was like,

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Speaker 2: that's not that's that's literally just showing everybody who I

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Speaker 2: really am.

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Speaker 3: We're not safe.

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Speaker 2: We are not saying nobody is safe. Anything said in

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Speaker 2: the studio does apparently not stay in the studio. So

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Speaker 2: we have a bloops reel to share with you at

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Speaker 2: the very end of these episodes, So guys, don't go anywhere,

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Speaker 2: or if you're really bored already.

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Speaker 3: Just skipped to the end.

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Speaker 2: But before we get there, my loves, how has your

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Speaker 2: week been? It is the last week of twenty twenty three.

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Speaker 2: Beck enjoying it? Not enjoying it?

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Speaker 3: Where are we at? Yeah?

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Speaker 5: Really enjoying it? I just got back from Sydney, saw

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Speaker 5: the Family.

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Speaker 3: Oh how good is family? Yeah?

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Speaker 5: It was really lovely and I drove there, didn't fly

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Speaker 5: because you know, you guys know I hate flying, Yes,

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Speaker 5: and so it was just like a beautiful, therapeutic eight

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Speaker 5: and a half hours on the same road, the whole away.

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Speaker 5: But I really did enjoy it. And now I'm just

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Speaker 5: chilling until the office opens back up again.

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Speaker 4: Yeah, what's your go through road trip album? Because that's

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Speaker 4: like a you've got eight hours? What do you like?

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Speaker 5: Totally I'm big podcast up. Obviously I'll listen to She's

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Speaker 5: on the Money.

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Speaker 3: You're quite literally a podcast.

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Speaker 5: Yeah, But what I try and do is sit in

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Speaker 5: silence for as long as possible.

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Speaker 3: Really, I do do that.

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Speaker 5: I do because like, let's say, I can get through

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Speaker 5: an hour and a half and then when I start

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Speaker 5: listening to something then it feels like, do you know,

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Speaker 5: like I've not been myself, Like.

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Speaker 2: I bore myself for one hour.

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Speaker 4: Do you like talk to yourself in your hesh?

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Speaker 3: I think about things. I think about things. I look around.

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Speaker 2: At the same site you've seen every single time driven

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Speaker 2: to Sydney and.

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Speaker 3: Back, they're still or inspiring.

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Speaker 5: You know, there's something about an something about an open

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Speaker 5: road in summer jest, you totally get it.

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Speaker 4: But see, I would put on like a country like

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Speaker 4: you do a country album.

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Speaker 2: I would do either the Taylor Swift eras to a

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Speaker 2: set list, which I have been listening to on repeat

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Speaker 2: on Spotify. I also read something recently. Do you know

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Speaker 2: what I can't say? I read something recently that's a

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Speaker 2: blatant lie, Jessica. I saw something on TikTok recently that

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Speaker 2: makes sense.

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Speaker 4: Story checks out more alright.

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Speaker 2: Taylor Swift trained for her Eras tour by running on

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Speaker 2: a treadmill while singing her entire Eras Tour set list. Wow,

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Speaker 2: and I can't wait for people to start training for

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Speaker 2: marathons that way.

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Speaker 4: Honestly, if there was a way to get me to run,

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Speaker 4: that would be Yeah.

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Speaker 2: I can organize that, jess No worries. I know you've

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Speaker 2: already got a walking pat in your house. Halfway there,

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Speaker 2: but I'd either listen to that or we'd just be

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Speaker 2: listening to really gruesome murders the entire way there.

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Speaker 4: I'll be in a different car.

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Speaker 2: You don't know what you're missing, Jessica.

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Speaker 5: Actually I'm also not a true crime person, but anyway, No, no, please,

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Speaker 5: you are not my people, no Misjessic.

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Speaker 2: How has your week being good?

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Speaker 4: Just been relaxing, eating gingerbread, eating lots and lots of gingerbread.

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Speaker 4: I went boxing day shopping, snagged some deals. We love that,

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Speaker 4: just kind of taking the break because we only have

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Speaker 4: a little quick one, just to enjoy it. Be aro

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Speaker 4: od friends, go to the beach, chill out, lovely good things.

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Speaker 4: How are you.

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Speaker 2: I'm just trying to eat this blueberry muffin because I

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Speaker 2: definitely haven't had enough food over this festive season. I

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Speaker 2: went down to the beach to spend some time with

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Speaker 2: my family. My parents are down there, my sister came down.

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Speaker 2: I've been hanging out with my husband. We're kind of

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Speaker 2: like in that, I don't know, we're waiting for a

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Speaker 2: baby to arrive. They're coming in February, at the end

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Speaker 2: of February, we think, So that's kind of it's just

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Speaker 2: a bit weird. I feel like we're in limbo. We're

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Speaker 2: planning for a baby. I'm uncomfortable. I'm not having the

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Speaker 2: best time in the heat. I'm really puffy, like all

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Speaker 2: of those things. Really grateful obviously, like every pregnant person

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Speaker 2: we're all grateful for it, but like, guys, I'm not

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Speaker 2: gonna lie pregnancy sucks. Which one of you was gonna

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Speaker 2: be like, Oh, by the way, here's a laundry list

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Speaker 2: of symptoms you're definitely gonna get and like it's not fun.

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Speaker 2: So I feel like I can be grateful for being

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Speaker 2: pregnant obviously cannot wait for this baby to arrive, but

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Speaker 2: also cannot wait to not be pregnant.

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Speaker 4: You're a pitiful beach ball.

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Speaker 2: If anyone ever tries to tell me ever again like

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Speaker 2: pregnancy is magical, I'm gonna be like, you're a liar,

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Speaker 2: A dirty liar.

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Speaker 4: Yeah, that seems fair.

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Speaker 2: I just don't know how anyone enjoys this anyway. Let's

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Speaker 2: get into the episode, Miss Jess Gricci, What have you

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Speaker 2: got when it comes to community money, wins and confessions?

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Speaker 4: First one is a little bit niche, but it comes

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Speaker 4: from Emma, and she said money win. Late October, I

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Speaker 4: received an email from my payroll saying I owed them

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Speaker 4: over three grand as I was overpaid on my birth leave.

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Speaker 4: My child is now almost two, by the way. It

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Speaker 4: didn't seem right to me, so I went back and

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Speaker 4: checked all my payslips and requested that they double checked

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Speaker 4: by doing a full audit, which they did. Fight this

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Speaker 4: week they email me to say, actually, you don't have

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Speaker 4: an overpayment at all. We actually owe you two hundred

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Speaker 4: dollars as we underpaid you. And also, by the way,

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Speaker 4: we didn't pay you forty five hundred dollars into super.

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Speaker 4: Well you're on birth leave.

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Speaker 3: Oh my goodness, excuse me.

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Speaker 4: She said. I'm so happy I stood my ground and

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Speaker 4: didn't just agree to pay it back. That is a

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Speaker 4: big mistake.

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Speaker 2: That is not just a big mistake, that's embarrassing.

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Speaker 4: Yeah, so they sneaky double check you or receipts always people.

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Speaker 3: That gives me the ick for that employer.

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Speaker 6: Totally.

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Speaker 2: Really, if I did that to you, Jess, would you

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Speaker 2: like try and leave? Because I would.

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Speaker 4: I think I'd be going. You work for finance, yea

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Speaker 4: extra embarrassing for me.

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Speaker 3: Oh my god. Imagine if I've messed up like my

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Speaker 3: super or my taxes or something.

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Speaker 4: Embarrassing.

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Speaker 2: Outsource it, guys, It's outsource it so I can blame

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Speaker 2: other people. Next, I've got a money win from Sue

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Speaker 2: who said I paid for a normal entry ticket to

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Speaker 2: a festival on the weekend, but somehow I ended up

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Speaker 2: with a VIP ticket around my wrist.

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Speaker 4: Love us.

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Speaker 2: She didn't didn't tell us how that happened.

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Speaker 4: Yeah, maybe they just gave her the wrong one.

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Speaker 3: And she was like, would you say something? No, you would.

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Speaker 4: Would exactly not in a situation where they're not losing out.

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Speaker 4: Do you know if I went to the shops and

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Speaker 4: they didn't scan something through, then probably company, I supparent.

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Speaker 2: And then there's me calling over the attendant of the

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Speaker 2: calls check out the I'm like, so this didn't go

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Speaker 2: through that, like when I put it in, like it

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Speaker 2: didn't change the measurement. Could you just like, oh, scan

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Speaker 2: it in? Because now I'm anxious And they're just like,

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Speaker 2: you should have stolen it.

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Speaker 3: Everybody else steals it. That's cute.

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Speaker 4: Well, I have a good win to come actually on

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Speaker 4: that theme, but firstly one from Shay who said money win.

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Speaker 4: I opted out of capitalism for Christmas. I didn't spend

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Speaker 4: money to travel to see people that made me miserable.

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Speaker 4: I didn't spend money on stuff people don't need or

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Speaker 4: want out of obligation or guilt. And I didn't spend

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Speaker 4: money or my health on booze that would be used

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Speaker 4: to cope with dealing with family drama. Amazing, weeen we

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Speaker 4: love to see it.

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Speaker 2: Also, just because they labeled as family doesn't mean you

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Speaker 2: have to spend any time with them. If they don't

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Speaker 2: nourish you, bye, absolutely completely cut them out.

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Speaker 4: Next, Skyly said, I bought a twenty four pack of

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Speaker 4: Huggies nappy pants usually twenty two dollars using a discount

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Speaker 4: on door dash, and only paid eighteen dollars.

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Speaker 2: Okay, that's good, that's a money win, already.

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Speaker 4: A win, but it gets better because they were out

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Speaker 4: of stock, so they substituted it for a pack of

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Speaker 4: forty eight. Who saved twenty one bucks and I didn't

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Speaker 4: even have to go to the shops.

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Speaker 2: As someone has recently been buying nappies. That stuff is wild. Actually,

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Speaker 2: side note, can I play a little game with you too?

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Speaker 4: Oh please?

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Speaker 2: I've been planning for a baby, and as you guys know,

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Speaker 2: I'm a spreadsheet girly. I'm going to need to know

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Speaker 2: how many nappies and newborn news is each and every

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Speaker 2: single day, and I'm probably gonna put it in a

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Speaker 2: spreadsheet calculate how many nappies I need at what size

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Speaker 2: and when and where and how much do nappies cost?

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Speaker 2: And what is the best price that I could potentially get.

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Speaker 2: So the real question here is goes how many nappies

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Speaker 2: does a newborn news each and every single day?

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Speaker 3: My gut says like six, Yeah, my gut says four. Four?

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Speaker 2: You reckon, Well it's actually nine or ten?

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Speaker 3: So you are you using sixty.

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Speaker 2: Plus nappies a week? Who when you have a newborn?

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Speaker 2: And I was like, nah, that math can't be right.

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Speaker 2: So I call one of my midwife friends and I

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Speaker 2: was like, hey, just wondering, like, you know, trying to

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Speaker 2: plan one. They will like just buy a I could

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Speaker 2: have nappis and buy another packet when you start to

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Speaker 2: run out. And it's like, well that seems quite logical.

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Speaker 2: I want to do the maths. I want to work

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Speaker 2: out what these nappie's going to cost me. Yep, And

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Speaker 2: it's nine or ten a day. It goes down as

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Speaker 2: they start to be able to like control themselves a

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Speaker 2: little bit better, But like, sure, what do you mean

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Speaker 2: ten a day?

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Speaker 4: That is excess?

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Speaker 3: That's a lot. That's a lot of.

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Speaker 4: Nappies so many ways, and I wonder she was so

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Speaker 4: excited that she got them for half the price.

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Speaker 2: Yeah, exactly, because you just go through them. And then

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Speaker 2: it makes me think about like landfill and whether they're

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Speaker 2: biodegradable or not, and whether I should be doing a

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Speaker 2: cloth nappy parenting thing, and then I have to manage

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Speaker 2: my entire life around clock. I just it's a lot,

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Speaker 2: is a lot.

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Speaker 4: Oh my goodness.

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Speaker 2: Anyway, carry on, Jess, what else have you got.

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Speaker 4: I've got a win from Ashley, who said I was

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Speaker 4: in need of a gift idea, so I decorated a

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Speaker 4: mug with polymer clay and I kept one as a

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Speaker 4: gift to myself and she put.

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Speaker 2: A cute that's so cute.

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Speaker 3: That's so.

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Speaker 4: And then lastly I have a wind from Beck. He said,

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Speaker 4: I went to buy two meters of fabric at spotlight

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Speaker 4: and they tried putting it through and the girl said,

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Speaker 4: it appears we don't sell this, just take it.

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Speaker 3: Wow, that is so cool.

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Speaker 2: Her boss is like, I saw now sing.

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Speaker 4: No, we don't know what happened.

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Speaker 3: I love that.

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Speaker 4: That's everything I got.

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Speaker 2: Oh, I think that that is a very good wrap.

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Speaker 2: Miss Beck sayed, what broke tips have you got for us?

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Speaker 2: Like the last three of the year, you're feeling the

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Speaker 2: pressure to make these really good.

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Speaker 3: A little bit trujular.

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Speaker 2: She doesn't care look at her face. She's like, no

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Speaker 2: v all my stuff is good.

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Speaker 5: Also, I'm very organized, so I think, I think, I feel.

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Speaker 4: Okay, you've never let us down before.

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Speaker 3: Thank you. That's so nice. You need to happen.

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Speaker 2: So ten out of ten, what's your first broke tip

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Speaker 2: of the week?

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Speaker 5: Okay, so this first broke tip is maybe more of

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Speaker 5: a life hack, but also definitely a money saver. So

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Speaker 5: this one's from Emma, who says that what she does

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Speaker 5: basically is on mealk prep days she bulk a bunch.

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Speaker 3: Of brown rice, white rice, whatever it is.

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Speaker 5: It turns out to be a lot cheaper than say,

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Speaker 5: buying like a one kilo bag every now and then,

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Speaker 5: usually not using it all. You end up leaving in

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Speaker 5: the back of the pantry, like one of those big ones.

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Speaker 3: There's really big ones, you know, there's ten kilo ones.

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Speaker 2: Oh my gosh, I don't need ten kilos of cooked rice.

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Speaker 3: You just got a bolt cook it all. Freeze it.

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Speaker 3: It lasts forever. Where do you put it?

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Speaker 4: Though?

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Speaker 2: I mean I didn't freeze, o, Jessica, that's where you freeze.

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Speaker 3: True, you don't have to cook the whole ten I

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Speaker 3: was gonna.

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Speaker 4: Say, a picture you trying to get ten killed, like

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Speaker 4: that whole big ass sax worth of rice into your face.

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Speaker 2: So I think a life wind would be just like

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Speaker 2: maybe cook like one kilo of it, and I would say,

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Speaker 2: probably don't freeze it all together either, like you know,

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Speaker 2: individually glad wrap the packets.

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Speaker 5: She gets send the photos all individually glad wrapped, which

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Speaker 5: is great because I feel like, even when we're cooking rice,

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Speaker 5: we over estimate how much we need end up chucking

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Speaker 5: the rest out.

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Speaker 2: But you can freeze rice. You can you don't need

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Speaker 2: to chuck it out.

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Speaker 5: But often you'll be like using the chicken curry spoon

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Speaker 5: in the rice and you're like, ah, it looks a

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Speaker 5: bit gross, let's just chuck it out anyway, not.

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Speaker 3: Gross if it's definitely not gross.

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Speaker 5: But I feel like when you you know, when you're

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Speaker 5: just doing that for per meal, yeah, you end up

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Speaker 5: just chucking it out. So bolt cooking a bunch of rice,

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Speaker 5: it's very feeling. It'll you'll need in times of need when.

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Speaker 2: You're just way cheaper than buying that pre prepared microwave rice.

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Speaker 2: You're basically making your own microwave rice much cheaper because

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Speaker 2: one you don't have to pay it, but two you're

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Speaker 2: probably going to put it in the microwave any way

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Speaker 2: to reheat it, So what's the problem.

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Speaker 3: Totally better for the environment as well. Love it, money win,

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Speaker 3: life win.

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Speaker 2: I like that one absolutely.

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Speaker 5: This next one comes from Alex who recently moved and

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Speaker 5: had a lot of kind of like half used toiletrees,

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Speaker 5: some were full, but ones that she wanted to donate. Unfortunately,

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Speaker 5: you can't really donate toiletrees due to hygiene reasons and

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Speaker 5: other things once they've been used. That's true, but this

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Speaker 5: is also kind of just we're talking about this maybe

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Speaker 5: last it might have been last week or maybe a

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Speaker 5: couple weeks ago, where she kind of set up this

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Speaker 5: thing with her friends where it's like a toiletry swap.

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Speaker 5: So when we were talking about this a couple of

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Speaker 5: weeks ago, we were saying, like a skill swap of sorts.

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Speaker 5: So you could do this with really anything with your friends,

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Speaker 5: if you're moving, if you've got a bunch of little

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Speaker 5: things that you need to declutter, just make it a

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Speaker 5: thing in your friendship group if you have one, or

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Speaker 5: in your community Facebook group or wherever, just try and

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Speaker 5: set up a little yeah toiletry swap little things like that.

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Speaker 5: She also says that this is really honestly helpful for

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Speaker 5: some if you're ever running low on toilet tries. Hotels

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Speaker 5: and hostels have stacks of abandoned ones in lost property,

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Speaker 5: so that is also an option if you're, like literally

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Speaker 5: for someone maybe doing it tough living on the street,

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Speaker 5: go to a hotel, go to a hostel and see

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Speaker 5: if they have anything in lost property. They probably even

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Speaker 5: have clothes and stuff in there that you could maybe take.

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Speaker 5: But that's something I'd never really thought of before, lost property.

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Speaker 4: From going to landfill or something like that.

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Speaker 3: Absolutely, absolutely so smart.

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Speaker 2: When you say, like a toilet tree swap, I laugh

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Speaker 2: a little bit because that was from Alex, and my

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Speaker 2: little sister's name is Alex, and like, I think my

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Speaker 2: little sister's version of a toilet tree swap is coming

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Speaker 2: into my house, opening my skin take and going I'll

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Speaker 2: take this, this and this, and I just really want

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Speaker 2: to try this they and then all of my stuff goes.

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Speaker 2: There's no swapping, there's just taking, but it's all my

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Speaker 2: half opened product that I might actually be enjoying. But

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Speaker 2: she thinks she'd enjoy more.

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Speaker 3: Yes, of course. Oh well that's a money win for her.

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Speaker 2: That's a little sister win, I think.

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Speaker 3: Yeah, I love that.

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Speaker 5: Okay, So my broke tip is I probably should have

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Speaker 5: mentioned this last week because it's almost the summer's almost over.

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Speaker 3: But basically, this summer, what are you doing? You gatekeeping?

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Speaker 3: I know I kind of gave all people on the

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Speaker 3: show to gatekeep.

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Speaker 5: It's you.

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Speaker 3: I don't believe it. I never saw this in my life.

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Speaker 2: I didn't see this coming either. We're gonna have to talk.

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Speaker 5: No, well it's not too late because holy moly, Struke

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Speaker 5: Bowling and Archie Brothers are all offering ten dollar games

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Speaker 5: and she beats over the summer.

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Speaker 2: Oh that's kind of cool. Yeah, if you have cute date.

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Speaker 3: It's a cute date, it's cheap date.

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Speaker 5: You can take your friends, you can take your family,

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Speaker 5: maybef you have little kids and you don't want to

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Speaker 5: be blowing the budget over the school holiday.

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Speaker 2: Also, maybe want air conditioned space to do something for

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Speaker 2: a while if you don't have aircon at home.

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Speaker 5: Exactly right, exactly right, So yeah, take advantage of that.

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Speaker 3: I think I might.

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Speaker 2: You think you might thin you're going to go bowling.

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Speaker 2: I haven't been bowling in here, you know. Oh I think, actually, Jess, yeah,

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Speaker 2: exactly what I was going to say. Oh, that was messy.

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Speaker 3: Let's not talk about it. I don't need to hear

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Speaker 3: about this off air.

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Speaker 2: We went to bowling, but it was bowling in a bar.

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00:16:35,680 --> 00:16:38,400
Speaker 3: Dangerous, Yeah, very dangerous. None of us are very good

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Speaker 3: at bowling.

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Speaker 2: So we were there for the festivities.

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Speaker 4: Yeah, very much.

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Speaker 2: So well, I love those. Let's go to a really

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Speaker 2: quick break on the flip side. We're going to be

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Speaker 2: talking about getting started with shares. We've got a spicy

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Speaker 2: DM about friends who borrow money, and the.

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Speaker 3: Countdown to the bloops is on.

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Speaker 2: I'm really scared, but also kind of excited to hear

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Speaker 2: how many times I've messed up on the podcast or

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Speaker 2: said things maybe I shouldn't have. So don't go anywhere, guys.

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Speaker 4: Welcome back, guys. Let's take a listen to the Money Dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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Speaker 2: can't solve? The Sheese on the Money Team is here

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Speaker 2: to help. Every week, we tackle your dilemmas, both big

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00:17:21,480 --> 00:17:24,159
Speaker 2: and small, to answer your most burning money, career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 7: Hey guys, I'm made thirty five year old female with

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Speaker 7: a little bit of surplus money and I'm wanting to

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Speaker 7: explore perhaps purchasing shares EFTs, don't know what they are.

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Speaker 7: Would love your advice on where to get started, and

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Speaker 7: really just basic knowledge that we should have as women

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Speaker 7: to get into the final market.

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Speaker 4: Thank you.

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Speaker 2: Oh well, hello, and welcome to She's on the Money,

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Speaker 2: the podcast Millennials who want Financial Freedom. So we have

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Speaker 2: five hundred plus episodes of I would say, financially, some

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Speaker 2: of it's questionable. The Friday episodes, you might want to

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Speaker 2: give a little bit of a skip if you're not

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Speaker 2: too interested in what we call our personalities. But on Wednesday,

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Speaker 2: we do what we call a deep dive, and each

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Speaker 2: and every single deep dive, the entire purpose of that

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Speaker 2: episode is to educate you on a topic that maybe

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Speaker 2: you haven't discussed before, or maybe a topic that you

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00:18:34,760 --> 00:18:37,520
Speaker 2: have seen before, but no one's ever broken it down

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Speaker 2: in a way that actually made sense. To you and

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Speaker 2: spoke to you in a way where we're peers having

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Speaker 2: a chat. You're not silly for not knowing this stuff,

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Speaker 2: You've just never learned it before. I'm excited because I

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00:18:48,800 --> 00:18:51,680
Speaker 2: can answer this so quickly and so easily. My friend,

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Speaker 2: we did an entire investing series with our friends from

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Speaker 2: Chaerz's recently and even the year before. So if you're

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Speaker 2: interested in learning about share or ETFs, what I would

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00:19:01,760 --> 00:19:04,800
Speaker 2: do is key into your podcasting app. Any podcasting app

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00:19:04,800 --> 00:19:06,680
Speaker 2: does the job, and I would key in she's on

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00:19:06,720 --> 00:19:10,080
Speaker 2: the money shares or she's on the money ETFs, and

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00:19:10,240 --> 00:19:13,480
Speaker 2: an episode that is directly related to that topic is

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Speaker 2: going to come up. I'm a little bit biased. If

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Speaker 2: I were you, I would really start at the beginning

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Speaker 2: of our podcast because the way that we've structured it

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Speaker 2: is really so that you can kind of build those foundations.

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Speaker 2: And now we're nearly five years in. Isn't that wild?

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Speaker 2: Nearly five years of content in, But we've kind of

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Speaker 2: leveled up the content in a way where sometimes you

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00:19:33,920 --> 00:19:35,760
Speaker 2: do have to go back to basics and listen to

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Speaker 2: a couple of the older episodes to go, let me

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Speaker 2: collect all of these basic foundations that I need to

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Speaker 2: create my financial literacy toolkit and then build from there.

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Speaker 2: But excitingly, the team and I sat down a couple

441
00:19:48,640 --> 00:19:51,680
Speaker 2: of weeks before Christmas and jess, what do I make

442
00:19:51,680 --> 00:19:51,879
Speaker 2: you do?

443
00:19:52,160 --> 00:19:56,360
Speaker 4: We put together a spreadsheet? Is anyone?

444
00:19:56,480 --> 00:19:59,119
Speaker 2: No one is surprised? But what was in the spreadsheet?

445
00:20:00,119 --> 00:20:01,920
Speaker 4: All year's worth of content?

446
00:20:02,040 --> 00:20:04,679
Speaker 2: Yeah, And the reason we did that was because I

447
00:20:04,800 --> 00:20:07,160
Speaker 2: just said, look, I'm obviously having a baby this year.

448
00:20:07,200 --> 00:20:09,800
Speaker 2: We obviously already put lots of thought, energy and effort

449
00:20:09,840 --> 00:20:12,639
Speaker 2: into the content that we create. But I was like,

450
00:20:12,840 --> 00:20:14,960
Speaker 2: what did we do like five years ago that might

451
00:20:14,960 --> 00:20:17,719
Speaker 2: have changed? Like let's review that. Okay, we've got, you know,

452
00:20:18,000 --> 00:20:20,840
Speaker 2: an investing series that we're doing in twenty twenty four.

453
00:20:20,960 --> 00:20:23,440
Speaker 2: All right, we know that we wanted to build on

454
00:20:23,440 --> 00:20:25,679
Speaker 2: one another. So if you went and just listened to

455
00:20:25,720 --> 00:20:28,600
Speaker 2: those investing episodes, you get like a juicy amount of

456
00:20:28,640 --> 00:20:31,280
Speaker 2: knowledge that kind of builds on each other. I didn't

457
00:20:31,320 --> 00:20:33,120
Speaker 2: want to be in a position where, you know, five

458
00:20:33,160 --> 00:20:36,040
Speaker 2: years in you would think that content might get repetitive.

459
00:20:36,359 --> 00:20:38,919
Speaker 2: I am also surprised guys that we still have so

460
00:20:38,960 --> 00:20:42,200
Speaker 2: many topics we haven't tackled. But I just wanted to

461
00:20:42,240 --> 00:20:43,960
Speaker 2: make sure that we were nailing it, and if we

462
00:20:44,400 --> 00:20:47,000
Speaker 2: had already done it, we went back and we checked

463
00:20:47,000 --> 00:20:49,480
Speaker 2: the episode and said, is this outdated? Do we need

464
00:20:49,520 --> 00:20:51,960
Speaker 2: to update it? You know, is there anything that has changed?

465
00:20:52,000 --> 00:20:55,080
Speaker 2: And in the world of investing, so much has changed.

466
00:20:55,560 --> 00:20:58,760
Speaker 2: So I'm excited for I guess the structure of next

467
00:20:58,800 --> 00:21:01,640
Speaker 2: year to roll out, because it's basically going to be

468
00:21:01,800 --> 00:21:05,239
Speaker 2: a here's an investing guide, here's a savings guide, here's this,

469
00:21:05,359 --> 00:21:06,200
Speaker 2: that and the other, and.

470
00:21:06,160 --> 00:21:06,880
Speaker 3: We're really keen.

471
00:21:07,200 --> 00:21:10,639
Speaker 2: So from my very very biased perspective, I would be

472
00:21:10,680 --> 00:21:14,120
Speaker 2: starting with our content. There's obviously a heap of other

473
00:21:14,160 --> 00:21:17,280
Speaker 2: podcasts you can listen to Girls that Invest My Millennial

474
00:21:17,320 --> 00:21:20,119
Speaker 2: Money are two of our friends of the show that

475
00:21:20,160 --> 00:21:22,439
Speaker 2: we know and love. There's also a whole heap of

476
00:21:22,480 --> 00:21:26,359
Speaker 2: investing books out there. I obviously already have three books, guys,

477
00:21:26,400 --> 00:21:29,760
Speaker 2: It's going to be five in twenty twenty four because

478
00:21:29,800 --> 00:21:32,760
Speaker 2: having a baby, it's just not enough for one year.

479
00:21:33,560 --> 00:21:35,240
Speaker 2: So I'm going to be releasing a book in May

480
00:21:35,320 --> 00:21:38,720
Speaker 2: and then another book in November, which is very very exciting.

481
00:21:38,840 --> 00:21:41,600
Speaker 2: But also all of our friends have finance books as well,

482
00:21:41,640 --> 00:21:44,240
Speaker 2: and if you just go into any bookshop, the finance section,

483
00:21:44,600 --> 00:21:46,720
Speaker 2: have a look, read the blurbs on the back, find

484
00:21:46,760 --> 00:21:49,439
Speaker 2: one that resonates with you, because to me, that's the

485
00:21:49,480 --> 00:21:51,960
Speaker 2: most important thing is that you're learning from someone who

486
00:21:52,000 --> 00:21:54,240
Speaker 2: talks to you in a tone of voice that you enjoy,

487
00:21:54,440 --> 00:21:56,840
Speaker 2: because otherwise you're not going to listen, you're not going

488
00:21:56,880 --> 00:21:59,000
Speaker 2: to engage with it. So that is my advice. Do

489
00:21:59,080 --> 00:22:01,240
Speaker 2: you guys have ourthing to add to that? Because I've

490
00:22:01,280 --> 00:22:05,080
Speaker 2: just basically done a sales pitch on the She's on

491
00:22:05,119 --> 00:22:06,960
Speaker 2: the Money podcast for you to listen to the She's

492
00:22:07,000 --> 00:22:08,360
Speaker 2: on the Money podcast.

493
00:22:08,080 --> 00:22:09,479
Speaker 4: I think you've had it. I was just gonna say,

494
00:22:09,520 --> 00:22:11,520
Speaker 4: if you want to get the investing the shoes in

495
00:22:11,520 --> 00:22:13,080
Speaker 4: the Money book, we'll pop thelink in the show notes

496
00:22:13,080 --> 00:22:13,800
Speaker 4: to make it easy for you.

497
00:22:13,960 --> 00:22:15,600
Speaker 3: Smart lovely, Yes, credit.

498
00:22:16,840 --> 00:22:17,080
Speaker 7: We do.

499
00:22:17,119 --> 00:22:17,919
Speaker 4: I've got your girls.

500
00:22:18,040 --> 00:22:20,159
Speaker 3: And for me, I was going to basically say the

501
00:22:20,200 --> 00:22:20,760
Speaker 3: same thing as Ve.

502
00:22:20,960 --> 00:22:22,600
Speaker 5: I think that you do a really good job of

503
00:22:22,720 --> 00:22:26,920
Speaker 5: covering basics and also intermediate and also advanced. So yeah,

504
00:22:27,040 --> 00:22:28,639
Speaker 5: go back and have a little listen.

505
00:22:28,840 --> 00:22:31,280
Speaker 2: Go back and have a listen. Also, thanks for the listens.

506
00:22:31,359 --> 00:22:34,600
Speaker 2: Love you guys. Let's move into the next part of

507
00:22:34,640 --> 00:22:37,080
Speaker 2: the show. This is the second last part of the

508
00:22:37,119 --> 00:22:39,280
Speaker 2: show today because we've got to get to the bloops.

509
00:22:39,720 --> 00:22:42,560
Speaker 2: But as always, you guys have slid into our dms

510
00:22:42,600 --> 00:22:45,440
Speaker 2: about a spicy topic, which is friends who borrow money.

511
00:22:45,520 --> 00:22:48,399
Speaker 2: So here is the DM my friends. Hello, she's on

512
00:22:48,480 --> 00:22:50,960
Speaker 2: the money. I need advice, my friend, You're in the

513
00:22:51,000 --> 00:22:54,159
Speaker 2: right place. We have advice, we have opinions. We're going

514
00:22:54,200 --> 00:22:56,600
Speaker 2: to have a little bit of trauma. One of my

515
00:22:56,680 --> 00:23:00,280
Speaker 2: best friends always asks me to borrow money. It used

516
00:23:00,280 --> 00:23:02,360
Speaker 2: to be like twenty bucks here and there, but lately

517
00:23:02,440 --> 00:23:05,000
Speaker 2: she's asking for more than one hundred dollars at a time,

518
00:23:05,200 --> 00:23:08,439
Speaker 2: saying she desperately needs it to pay rent, she doesn't

519
00:23:08,440 --> 00:23:11,320
Speaker 2: have a job, and that I'm the only person she

520
00:23:11,320 --> 00:23:13,600
Speaker 2: can turn to for help. I do feel bad, and

521
00:23:13,680 --> 00:23:16,280
Speaker 2: she has a really fractured relationship with her parents, so

522
00:23:16,440 --> 00:23:19,439
Speaker 2: living at home is not an option. In the past,

523
00:23:19,480 --> 00:23:22,840
Speaker 2: I've mentioned I feel really uncomfortable her asking me for money,

524
00:23:23,000 --> 00:23:25,040
Speaker 2: yet I always seem to give it to her because

525
00:23:25,080 --> 00:23:27,320
Speaker 2: I am guilted into it. In brackets with a face

526
00:23:27,359 --> 00:23:30,320
Speaker 2: palm emoji. I've even suggested that I can help her

527
00:23:30,359 --> 00:23:33,040
Speaker 2: get a job and assist with her applications, but she

528
00:23:33,080 --> 00:23:36,080
Speaker 2: always declients. Not long ago we went out for dinner

529
00:23:36,080 --> 00:23:38,000
Speaker 2: and where the bill came, she didn't have any money

530
00:23:38,000 --> 00:23:39,960
Speaker 2: to pay. She said she didn't want to let me

531
00:23:40,040 --> 00:23:42,400
Speaker 2: down and was embarrassed to say she couldn't afford it,

532
00:23:42,440 --> 00:23:45,840
Speaker 2: so came anyway. I obviously had to pay for the

533
00:23:46,000 --> 00:23:49,120
Speaker 2: entire thing. I need this to stop, but also want

534
00:23:49,160 --> 00:23:52,160
Speaker 2: to be sensitive with her, as I know she's currently struggling.

535
00:23:52,359 --> 00:23:53,000
Speaker 2: What do I do.

536
00:23:54,240 --> 00:23:58,080
Speaker 5: She didn't mention if the friend pays it back at

537
00:23:58,080 --> 00:24:01,719
Speaker 5: her in a reasonable time, which I know is not

538
00:24:02,119 --> 00:24:04,120
Speaker 5: the really the point, but.

539
00:24:04,080 --> 00:24:06,359
Speaker 4: A little bit, a little bit. There's a big difference

540
00:24:06,359 --> 00:24:08,879
Speaker 4: between a friend who borrows money all the time but

541
00:24:08,960 --> 00:24:10,640
Speaker 4: will get it back to you. When I can add

542
00:24:10,640 --> 00:24:12,639
Speaker 4: a friend who borrows money and doesn't pay back.

543
00:24:12,480 --> 00:24:14,840
Speaker 5: And doesn't pay it back. And I'm wondering she's not employed.

544
00:24:14,840 --> 00:24:17,880
Speaker 5: Maybe she does have other income and can pay it back,

545
00:24:17,920 --> 00:24:22,640
Speaker 5: But personally, I really want that information because I'm thinking

546
00:24:22,720 --> 00:24:27,239
Speaker 5: of me and my best friend Olivia, who I.

547
00:24:26,760 --> 00:24:29,159
Speaker 2: Always I'm going to nickname her money bags.

548
00:24:29,960 --> 00:24:32,959
Speaker 5: Yeah, I literally always borrow money from her, but I

549
00:24:33,040 --> 00:24:35,800
Speaker 5: also paid back quickly, and we have like a sibling

550
00:24:35,880 --> 00:24:38,360
Speaker 5: relationship where it's not awkward to say no to each other.

551
00:24:38,720 --> 00:24:40,160
Speaker 3: So I think that's different in a way.

552
00:24:40,160 --> 00:24:42,440
Speaker 5: But I'm still kind of like listening to this and

553
00:24:42,640 --> 00:24:46,879
Speaker 5: just wondering what the dynamics like. Yeah, and is she

554
00:24:46,960 --> 00:24:51,399
Speaker 5: too uncomfortable to say a firm no, a staunch no.

555
00:24:51,760 --> 00:24:52,680
Speaker 3: It is awkward.

556
00:24:52,960 --> 00:24:56,520
Speaker 5: Your friend is obviously struggling, but that's not your responsibility.

557
00:24:56,760 --> 00:24:59,400
Speaker 3: Yeah, this person seems like a really good friend, Like.

558
00:24:59,600 --> 00:25:01,359
Speaker 2: I can tell that they're a good friend by the

559
00:25:01,400 --> 00:25:04,040
Speaker 2: way that it's written. Yeah, because they obviously are worried

560
00:25:04,040 --> 00:25:06,879
Speaker 2: about them struggling. They don't really want to say no,

561
00:25:07,000 --> 00:25:09,520
Speaker 2: but they're also like, I can't keep doing this. I've

562
00:25:09,560 --> 00:25:12,480
Speaker 2: had enough of this, like it needs to end. But

563
00:25:12,520 --> 00:25:14,720
Speaker 2: they also don't want to, like say a firm no,

564
00:25:15,000 --> 00:25:16,639
Speaker 2: because if they say a firm no, it might be

565
00:25:16,680 --> 00:25:18,520
Speaker 2: like a line in the sand with the relationship, and

566
00:25:18,560 --> 00:25:21,680
Speaker 2: clearly they don't want to draw that line. Yeah, it's

567
00:25:21,760 --> 00:25:23,439
Speaker 2: really really hard, Jess, what would you do?

568
00:25:23,760 --> 00:25:26,320
Speaker 4: I think it's hard because it's one of those things

569
00:25:26,480 --> 00:25:30,720
Speaker 4: where to me, it sounds like her friend is going

570
00:25:30,760 --> 00:25:33,280
Speaker 4: to be reliant on this until she no longer can be.

571
00:25:33,800 --> 00:25:37,800
Speaker 4: So I wonder if cutting it off is in a

572
00:25:37,840 --> 00:25:41,040
Speaker 4: way to benefit the friend as well, like to be like,

573
00:25:41,119 --> 00:25:43,879
Speaker 4: you can't rely on me for these things, particularly with

574
00:25:43,920 --> 00:25:47,120
Speaker 4: the dinner for example. It's not as if your friend

575
00:25:47,119 --> 00:25:49,120
Speaker 4: is saying, hey, I need money to pay my rent

576
00:25:49,200 --> 00:25:50,840
Speaker 4: or I'm going to be homeless. Like your friend did

577
00:25:50,880 --> 00:25:53,960
Speaker 4: not need to come out to dinner with everybody, And

578
00:25:54,160 --> 00:25:56,480
Speaker 4: I understand that she was embarrassed, But there are ways

579
00:25:56,880 --> 00:25:59,000
Speaker 4: that you can tackle it and approach it, and I

580
00:25:59,000 --> 00:26:01,560
Speaker 4: think any friend be understanding of the fact that you

581
00:26:01,600 --> 00:26:04,520
Speaker 4: can't afford to do it. So I feel like perhaps

582
00:26:04,640 --> 00:26:07,280
Speaker 4: if our listener was to draw the line in the sand,

583
00:26:07,840 --> 00:26:10,679
Speaker 4: it might in a way kind of help your friend

584
00:26:10,840 --> 00:26:13,560
Speaker 4: to have to let you know it's fine or flying right,

585
00:26:13,600 --> 00:26:15,560
Speaker 4: like I'm pushing you out of the nest. You can't.

586
00:26:15,560 --> 00:26:17,639
Speaker 4: You gotta fly. You got to figure it out. But

587
00:26:17,840 --> 00:26:20,080
Speaker 4: at the same time, I do feel like I have

588
00:26:20,119 --> 00:26:23,359
Speaker 4: to flag that that has the potential to be volatile,

589
00:26:23,480 --> 00:26:25,440
Speaker 4: and it has the potential for your friend to react

590
00:26:25,480 --> 00:26:29,359
Speaker 4: emotionally and be really upset. So it's something I think

591
00:26:29,400 --> 00:26:32,240
Speaker 4: that you do have to be prepared for that if

592
00:26:32,240 --> 00:26:34,200
Speaker 4: that's what you want to do. But I completely agree

593
00:26:34,200 --> 00:26:37,080
Speaker 4: with our listener. If I was in that situation where

594
00:26:37,240 --> 00:26:40,200
Speaker 4: I wasn't comfortable lending to a friend and I had

595
00:26:40,240 --> 00:26:42,679
Speaker 4: expressed that and they weren't being respectful of that. I

596
00:26:42,680 --> 00:26:45,320
Speaker 4: would find that upsetting. It's a totally different thing, like

597
00:26:45,359 --> 00:26:47,840
Speaker 4: you were saying in your example with you and Live.

598
00:26:48,480 --> 00:26:50,040
Speaker 4: You know, if she's happy to do it and she

599
00:26:50,119 --> 00:26:51,920
Speaker 4: knows you're going to pay it back and everyone's fine,

600
00:26:52,320 --> 00:26:54,840
Speaker 4: then there's no reason to not behave that way. But

601
00:26:55,680 --> 00:26:58,040
Speaker 4: particularly I think the fact that she is expressed to

602
00:26:58,119 --> 00:27:01,520
Speaker 4: her friend that she's uncomfortable and they're continuing to do it.

603
00:27:01,560 --> 00:27:04,159
Speaker 4: An That's what I don't really like because normally in

604
00:27:04,200 --> 00:27:06,080
Speaker 4: this situation, i'd say, oh, like talk to your friends,

605
00:27:06,119 --> 00:27:08,240
Speaker 4: like let them know how you're feeling, blah blah blah.

606
00:27:08,440 --> 00:27:10,800
Speaker 4: But it sounds like she's done that and their friends

607
00:27:11,280 --> 00:27:13,439
Speaker 4: not changing the behavior, And I think that that is

608
00:27:13,480 --> 00:27:18,679
Speaker 4: really disrespectful and unkind, particularly when it comes to luxuries

609
00:27:18,680 --> 00:27:19,640
Speaker 4: not necessities.

610
00:27:19,760 --> 00:27:21,399
Speaker 2: Yeap, Yeah, like going out for dinner.

611
00:27:21,680 --> 00:27:23,240
Speaker 4: You don't need to go out for dinner, babe.

612
00:27:23,280 --> 00:27:25,760
Speaker 2: So I was really empathetic of the story, like and

613
00:27:25,840 --> 00:27:28,119
Speaker 2: of the question. I was like, this really sucks, like

614
00:27:28,160 --> 00:27:30,080
Speaker 2: we're in the middle of a cost of living crisis.

615
00:27:30,240 --> 00:27:32,840
Speaker 2: Like I totally get it. You know, we don't know

616
00:27:32,880 --> 00:27:34,840
Speaker 2: why her friend doesn't have a job. There could be

617
00:27:34,880 --> 00:27:37,320
Speaker 2: really valid reason as to why she doesn't have a job.

618
00:27:37,320 --> 00:27:38,960
Speaker 2: There are six million I could come up with on

619
00:27:39,000 --> 00:27:41,800
Speaker 2: the spot as to why she can't work at the moment,

620
00:27:41,840 --> 00:27:44,959
Speaker 2: and that's fine. I'm assuming that there's not like a

621
00:27:45,040 --> 00:27:48,160
Speaker 2: massive issue with not working. Given the friend has suggested, Oh,

622
00:27:48,160 --> 00:27:50,200
Speaker 2: I can help you with the applications, Jess, like I

623
00:27:50,240 --> 00:27:52,520
Speaker 2: could feel them in and you know, help you along

624
00:27:52,520 --> 00:27:55,439
Speaker 2: that process. I'm assuming that there's nothing that you're aware of,

625
00:27:56,560 --> 00:27:58,879
Speaker 2: that is all. I don't want to say. Fine, but

626
00:27:59,000 --> 00:28:01,840
Speaker 2: like you're letting them get away with it, okay. I

627
00:28:01,840 --> 00:28:04,320
Speaker 2: think it's taking it a step too far when you're

628
00:28:04,320 --> 00:28:06,760
Speaker 2: going out for dinner and just expecting the other person

629
00:28:06,800 --> 00:28:10,080
Speaker 2: to pay. I feel like you're then in a position

630
00:28:10,119 --> 00:28:12,760
Speaker 2: where you're being taken advantage. It's crazy to me. I

631
00:28:12,760 --> 00:28:15,639
Speaker 2: think it's really rude, Like honestly, like, obviously money is

632
00:28:15,680 --> 00:28:18,520
Speaker 2: fickle and all of that, but like, yeah, okay, you

633
00:28:18,520 --> 00:28:21,120
Speaker 2: were embarrassed. You know, it's more embarrassing putting your other

634
00:28:21,160 --> 00:28:23,200
Speaker 2: friend on the spot and being like, well, now they're okay,

635
00:28:23,320 --> 00:28:25,000
Speaker 2: I don't have any cash. You're gonna have to cough

636
00:28:25,080 --> 00:28:27,280
Speaker 2: up two times the amount you thought you were going

637
00:28:27,320 --> 00:28:29,560
Speaker 2: to have to for dinner. Now, like what if I'd

638
00:28:29,560 --> 00:28:32,280
Speaker 2: only budgeted enough for one, Like now you're putting that

639
00:28:32,440 --> 00:28:35,440
Speaker 2: burden on your friend and expecting that to be okay,

640
00:28:35,680 --> 00:28:38,960
Speaker 2: Like I get embarrassment exists, Like please, don't get me wrong.

641
00:28:38,960 --> 00:28:41,440
Speaker 2: We've spoken so many times on the show about how

642
00:28:42,200 --> 00:28:45,400
Speaker 2: you know, in theory you should just say no. But

643
00:28:45,440 --> 00:28:48,640
Speaker 2: then there's me who also I'm a people pleaser. Yes,

644
00:28:48,840 --> 00:28:51,920
Speaker 2: you're also people pleaser. Like I know that if I

645
00:28:52,000 --> 00:28:53,840
Speaker 2: asked Jess to brow money, she'd.

646
00:28:53,640 --> 00:28:54,960
Speaker 3: Be like, oh, that's really weird.

647
00:28:55,080 --> 00:28:57,880
Speaker 2: Okay, now, yeah, of course fee Like even if you know,

648
00:28:57,920 --> 00:28:59,920
Speaker 2: but even if you didn't want to do it, because

649
00:29:00,120 --> 00:29:01,880
Speaker 2: with just to night people pleaser is we would do

650
00:29:01,920 --> 00:29:04,360
Speaker 2: it anyway. And I'm not saying that that's the right thing.

651
00:29:04,400 --> 00:29:06,240
Speaker 2: But I also think that when it comes to money,

652
00:29:06,440 --> 00:29:09,160
Speaker 2: we should just be honest about our thoughts and feelings

653
00:29:09,200 --> 00:29:10,560
Speaker 2: and all of that kind of stuff.

654
00:29:10,600 --> 00:29:11,400
Speaker 3: So I get it.

655
00:29:11,440 --> 00:29:13,280
Speaker 2: I don't think I could say no to a friend

656
00:29:13,760 --> 00:29:15,560
Speaker 2: because I do want to help. I'm that type of

657
00:29:15,640 --> 00:29:17,440
Speaker 2: person that goes no, no, no, let me fix it, like

658
00:29:17,720 --> 00:29:20,400
Speaker 2: I want to help. But at the same time, like,

659
00:29:21,000 --> 00:29:23,200
Speaker 2: then there's the line of like, hey, can I borrow

660
00:29:23,240 --> 00:29:25,160
Speaker 2: one hundred dollars? Like I'm so sorry, I have to

661
00:29:25,160 --> 00:29:27,640
Speaker 2: meet rent? Happening all the time, and you're going, oh,

662
00:29:27,720 --> 00:29:32,480
Speaker 2: should becoming reliant on it becomes rude, It becomes entitled

663
00:29:32,560 --> 00:29:34,760
Speaker 2: when you're then going out for dinner and just being like, oh,

664
00:29:34,760 --> 00:29:36,520
Speaker 2: by the way back, can't pay?

665
00:29:36,760 --> 00:29:37,440
Speaker 3: What are you doing?

666
00:29:38,600 --> 00:29:40,640
Speaker 4: And if they can't work, I think there are so

667
00:29:41,160 --> 00:29:43,960
Speaker 4: many other options, because again I agree with.

668
00:29:44,000 --> 00:29:46,680
Speaker 2: Last month you did your or this end of the

669
00:29:46,720 --> 00:29:49,520
Speaker 2: month's really there, but you did your find one thousand

670
00:29:49,520 --> 00:29:51,040
Speaker 2: dollars without finding a new job.

671
00:29:51,160 --> 00:29:52,840
Speaker 4: Well yeah, And that's the thing is, like there is

672
00:29:53,040 --> 00:29:56,320
Speaker 4: so many options if, as you were saying, not everyone

673
00:29:56,400 --> 00:29:59,080
Speaker 4: can work, and that's totally valid, but even outside of

674
00:29:59,160 --> 00:30:03,040
Speaker 4: government support, that is available selling stuff a Facebook market place,

675
00:30:03,360 --> 00:30:06,280
Speaker 4: returning cans. I did surveys, do you know what I mean? Like,

676
00:30:06,280 --> 00:30:09,120
Speaker 4: there are so many options that you can make enough

677
00:30:09,160 --> 00:30:11,680
Speaker 4: money to get you buy Like, even just doing surveys,

678
00:30:11,720 --> 00:30:14,080
Speaker 4: I was making fifty bucks a week, one hundred bucks

679
00:30:14,080 --> 00:30:17,280
Speaker 4: a week slay, which is just from your phone. And

680
00:30:17,440 --> 00:30:19,200
Speaker 4: not everyone is going to want to dedicate or have

681
00:30:19,320 --> 00:30:21,040
Speaker 4: the time to dedicate. But if you're in a spot

682
00:30:21,040 --> 00:30:23,080
Speaker 4: where like I really genuinely don't have the money. I

683
00:30:23,080 --> 00:30:26,720
Speaker 4: think there are options that you can explore. And is

684
00:30:26,720 --> 00:30:29,480
Speaker 4: it going to pay you five thousand dollars a month?

685
00:30:29,520 --> 00:30:31,800
Speaker 4: Obviously not. But if you just need money to get

686
00:30:31,800 --> 00:30:33,600
Speaker 4: buy if you just need money to go to dinner,

687
00:30:33,680 --> 00:30:36,240
Speaker 4: so you're not relying on your friend, there are definitely

688
00:30:36,280 --> 00:30:39,680
Speaker 4: things that I think she could be exploring that aren't

689
00:30:39,720 --> 00:30:40,720
Speaker 4: putting her friend in this.

690
00:30:41,080 --> 00:30:45,440
Speaker 2: Position honestly borrowing money. I think it's a fickle topic

691
00:30:45,560 --> 00:30:48,000
Speaker 2: because so many people are going to be opinionated on it.

692
00:30:48,480 --> 00:30:52,040
Speaker 2: Some people will say absolutely not. I'm very much of

693
00:30:52,120 --> 00:30:55,680
Speaker 2: the opinion I will lend money to friends, but I

694
00:30:55,760 --> 00:30:58,160
Speaker 2: see it as a if they pay it back, nice

695
00:30:58,400 --> 00:31:01,160
Speaker 2: But it's you either get paid back or you lose

696
00:31:01,200 --> 00:31:03,840
Speaker 2: a friendship. And like to me, I'm always like, okay,

697
00:31:03,880 --> 00:31:07,000
Speaker 2: well here it is, but I'm never going to chase it,

698
00:31:07,080 --> 00:31:10,280
Speaker 2: if that makes sense. Some people are completely for it,

699
00:31:10,320 --> 00:31:13,480
Speaker 2: like Beck, you've got a friend where that relationship exists

700
00:31:13,480 --> 00:31:16,680
Speaker 2: and it works. We can't argue with that, and that's

701
00:31:16,720 --> 00:31:20,160
Speaker 2: absolutely fine. But again, money is inherently emotional. It's when

702
00:31:20,640 --> 00:31:24,080
Speaker 2: it steps out of you know, being I'm so glad

703
00:31:24,120 --> 00:31:25,120
Speaker 2: that I have this support.

704
00:31:25,200 --> 00:31:25,880
Speaker 3: I'm so glad.

705
00:31:26,040 --> 00:31:30,040
Speaker 2: You know, I'm grateful to being entitled, and this feels

706
00:31:30,080 --> 00:31:32,920
Speaker 2: like it's gone from being like I'm grateful to being entitled.

707
00:31:33,240 --> 00:31:35,160
Speaker 2: If that started happening to me, I'd want to cut

708
00:31:35,160 --> 00:31:36,760
Speaker 2: the friend off to It'd be like you are taking

709
00:31:36,760 --> 00:31:39,520
Speaker 2: the absolute mickey. Get in the bin, yeah, hard agree,

710
00:31:39,560 --> 00:31:43,440
Speaker 2: whatever else say they go. The first question we asked was,

711
00:31:43,640 --> 00:31:46,400
Speaker 2: do you think the friend is potentially taking advantage of

712
00:31:46,440 --> 00:31:50,320
Speaker 2: this person? Ninety eight percent of you said yes. If

713
00:31:50,360 --> 00:31:54,720
Speaker 2: this was you, would you end the friendship? Thirty percent

714
00:31:54,760 --> 00:31:56,960
Speaker 2: of you said yes, I don't need that in my life,

715
00:31:56,960 --> 00:31:59,360
Speaker 2: but seventy percent of you said no, I'd certainly set

716
00:31:59,400 --> 00:32:03,840
Speaker 2: some boundaries though. If yes, what did you do when

717
00:32:03,960 --> 00:32:06,800
Speaker 2: someone asked you to borrow money? Sixty six percent of

718
00:32:06,800 --> 00:32:08,600
Speaker 2: you said I gave it back and they paid me

719
00:32:08,680 --> 00:32:11,720
Speaker 2: back nice. Twenty percent of you said I gave it,

720
00:32:11,760 --> 00:32:13,880
Speaker 2: but I wish I didn't because I never got it back,

721
00:32:14,640 --> 00:32:17,360
Speaker 2: and fourteen percent of you said I said I wasn't

722
00:32:17,400 --> 00:32:20,280
Speaker 2: in a position to lend to them. If you did

723
00:32:20,400 --> 00:32:23,960
Speaker 2: lend money to a friend, we said how much? Thirty

724
00:32:24,000 --> 00:32:26,200
Speaker 2: six percent of you said the most common amount to

725
00:32:26,400 --> 00:32:29,440
Speaker 2: lend was ten to twenty bucks, thirty five percent of

726
00:32:29,480 --> 00:32:32,760
Speaker 2: you said fifty two hundred bucks, eighteen percent of you

727
00:32:32,800 --> 00:32:35,640
Speaker 2: said two hundred to five hundred dollars, and twelve percent

728
00:32:35,640 --> 00:32:38,800
Speaker 2: of you said more than one thousand dollars. Wow, that's

729
00:32:38,920 --> 00:32:39,960
Speaker 2: so much money.

730
00:32:40,320 --> 00:32:42,040
Speaker 4: That's the other thing is her friend's asking for one

731
00:32:42,080 --> 00:32:43,640
Speaker 4: hundred bucks at a time. That's a lot.

732
00:32:43,720 --> 00:32:44,200
Speaker 2: That's a lot.

733
00:32:44,200 --> 00:32:47,120
Speaker 4: That's not a Hey, my card's not working. Can you

734
00:32:47,160 --> 00:32:48,920
Speaker 4: spot my eight dollar latte?

735
00:32:49,000 --> 00:32:51,160
Speaker 3: Yeah, exactly, it's an eight.

736
00:32:51,120 --> 00:32:55,560
Speaker 4: Dollar nothing on nothing. Sorry, I'm taking eight dollar latte.

737
00:32:55,680 --> 00:32:56,720
Speaker 2: Don't know where she's drinking.

738
00:32:56,920 --> 00:32:58,600
Speaker 3: Not too shocking, I reckon.

739
00:32:58,640 --> 00:33:01,520
Speaker 2: I spent on average like six seven dollars a yeah,

740
00:33:01,720 --> 00:33:04,520
Speaker 2: not too far off for own non coffee drinking gal, which,

741
00:33:04,560 --> 00:33:08,840
Speaker 2: by the way, suspiciously close, suspiciously close, and also like

742
00:33:09,040 --> 00:33:11,240
Speaker 2: weird that you don't drink coffee. Maybe twenty twenty four

743
00:33:11,280 --> 00:33:14,200
Speaker 2: be her year. Maybe maybe all these bad things keep

744
00:33:14,240 --> 00:33:15,560
Speaker 2: happening to you because you don't drink coffee.

745
00:33:16,080 --> 00:33:17,719
Speaker 4: That all right.

746
00:33:17,760 --> 00:33:19,800
Speaker 2: We also said have you ever had to ask a

747
00:33:19,800 --> 00:33:22,240
Speaker 2: friend to borrow money? Thirty four percent of you said yes,

748
00:33:22,240 --> 00:33:24,440
Speaker 2: and sixty six percent of you said no.

749
00:33:24,560 --> 00:33:25,480
Speaker 3: It's been nice.

750
00:33:25,800 --> 00:33:28,440
Speaker 4: I feel like most people will have. I don't think

751
00:33:28,440 --> 00:33:30,800
Speaker 4: they're asking to borrow money. Like I've definitely borrowed money

752
00:33:30,800 --> 00:33:32,760
Speaker 4: off feet where I've been somewhere. It happened when we're oversea.

753
00:33:32,840 --> 00:33:33,960
Speaker 4: I was like, my card's not working, and.

754
00:33:33,920 --> 00:33:34,760
Speaker 2: I'm kind of funny.

755
00:33:34,840 --> 00:33:36,840
Speaker 4: I already ordered the Starbucks, can you faine?

756
00:33:37,680 --> 00:33:39,640
Speaker 2: It was kind of funny because she's so embarrassed and

757
00:33:39,720 --> 00:33:42,960
Speaker 2: obviously I was like, yeah, like it's fine, but like

758
00:33:43,400 --> 00:33:45,960
Speaker 2: it was the fumble at the register of her being

759
00:33:45,960 --> 00:33:47,320
Speaker 2: like I only have my phone.

760
00:33:47,440 --> 00:33:50,520
Speaker 3: Ah, I really have my phone? Yeah, no, dress, Well,

761
00:33:50,520 --> 00:33:51,480
Speaker 3: nothing is more stressful.

762
00:33:51,480 --> 00:33:54,280
Speaker 4: It is, and I feel like an incidental borrow of money.

763
00:33:54,440 --> 00:33:56,720
Speaker 2: So let's be honest. It wasn't even a latte. It

764
00:33:56,800 --> 00:33:59,760
Speaker 2: was like a strawberry Assaye refresher and I'll.

765
00:33:59,600 --> 00:34:03,280
Speaker 4: Stand by I'm pretty sure. But that is I think,

766
00:34:03,400 --> 00:34:07,120
Speaker 4: vastly different to habitual burrowing, which is what this person

767
00:34:07,200 --> 00:34:09,400
Speaker 4: is doing. And it just sounds like she doesn't respect

768
00:34:09,400 --> 00:34:11,319
Speaker 4: our listener, which is not.

769
00:34:11,520 --> 00:34:14,080
Speaker 2: Friendship is built on respect, and right now, that's what

770
00:34:14,200 --> 00:34:17,200
Speaker 2: is lacking in this friendship. So I do feel like

771
00:34:17,280 --> 00:34:20,839
Speaker 2: your friend is taking advantage of that. And while it's

772
00:34:20,920 --> 00:34:22,799
Speaker 2: not the easiest thing to say, I think you do

773
00:34:22,920 --> 00:34:25,640
Speaker 2: need to go. Hey, Like, honestly, I just start off

774
00:34:25,640 --> 00:34:27,799
Speaker 2: with the truth. Hey, I just really think that this

775
00:34:27,840 --> 00:34:31,080
Speaker 2: has become quite habitual. Honestly, I don't know how to

776
00:34:31,120 --> 00:34:32,799
Speaker 2: explain it to you, but I do feel a bit

777
00:34:32,920 --> 00:34:35,799
Speaker 2: taken advantage of. Like I feel like, you know, the

778
00:34:35,840 --> 00:34:38,200
Speaker 2: time we went out for dinner, you're not telling me

779
00:34:38,200 --> 00:34:40,200
Speaker 2: in advance. It just puts me in a really tricky

780
00:34:40,239 --> 00:34:42,400
Speaker 2: spot because it changes the rest of my week and

781
00:34:42,440 --> 00:34:44,120
Speaker 2: I had to change my budget and I had to

782
00:34:44,440 --> 00:34:47,239
Speaker 2: you know, just explaining it. I'm not saying that they

783
00:34:47,280 --> 00:34:49,680
Speaker 2: deserve an explanation at the end of the day.

784
00:34:49,719 --> 00:34:50,120
Speaker 3: No is no.

785
00:34:50,800 --> 00:34:54,160
Speaker 2: But as a people pleasing girly, I want to explain

786
00:34:54,200 --> 00:34:56,880
Speaker 2: to you why this is, you know, upsetting me or

787
00:34:56,960 --> 00:34:59,319
Speaker 2: you know, not the right thing to do. And then

788
00:34:59,440 --> 00:35:02,000
Speaker 2: how can I wor with you to make sure that

789
00:35:02,040 --> 00:35:04,200
Speaker 2: you're okay and I'm okay and we're all in a

790
00:35:04,200 --> 00:35:06,480
Speaker 2: happy spot, because I really don't want to lose this friendship.

791
00:35:06,680 --> 00:35:08,719
Speaker 3: But like, if this just keeps.

792
00:35:08,440 --> 00:35:10,640
Speaker 2: Happening, I'm going to end up really frustrated and then

793
00:35:10,760 --> 00:35:12,759
Speaker 2: you know, I'm probably going to avoid your calls or something,

794
00:35:12,800 --> 00:35:14,719
Speaker 2: and I don't want to get to that, So what

795
00:35:14,880 --> 00:35:17,680
Speaker 2: can I do? And I feel like kindness in that

796
00:35:17,760 --> 00:35:21,040
Speaker 2: circumstance because do you know what your friend probably hasn't

797
00:35:21,080 --> 00:35:24,399
Speaker 2: even noticed. Yeah, they just expected you to be there.

798
00:35:24,600 --> 00:35:25,560
Speaker 3: Yeah, so true.

799
00:35:25,880 --> 00:35:28,839
Speaker 2: So let's talk about what the community said, because it's

800
00:35:28,880 --> 00:35:32,000
Speaker 2: always the spicy stuff in the dms. So your response

801
00:35:32,080 --> 00:35:33,879
Speaker 2: is when we said, what are your two cents, we're

802
00:35:34,160 --> 00:35:34,800
Speaker 2: pretty wild.

803
00:35:35,080 --> 00:35:36,759
Speaker 3: My friend from high school.

804
00:35:36,400 --> 00:35:41,400
Speaker 2: Asked me to borrow fifteen thousand dollars for a house deposit.

805
00:35:42,440 --> 00:35:44,280
Speaker 2: I obviously told her I didn't have any cash.

806
00:35:44,400 --> 00:35:46,040
Speaker 4: I mean fair, that's crazy.

807
00:35:46,080 --> 00:35:47,360
Speaker 3: That's a lot.

808
00:35:47,719 --> 00:35:51,080
Speaker 4: That's like a whole different thing. Again, that's a different story. Yeah.

809
00:35:51,280 --> 00:35:53,719
Speaker 2: Someone else said, I have a personal rule that I

810
00:35:53,760 --> 00:35:56,160
Speaker 2: never lend money that I would be upset about not

811
00:35:56,280 --> 00:36:00,120
Speaker 2: getting back. Yeah, that's all. That's like your Someone else said,

812
00:36:00,200 --> 00:36:02,160
Speaker 2: you're not responsible for your friend. You need to set

813
00:36:02,200 --> 00:36:06,160
Speaker 2: strong boundaries because that's how she's going to learn. Someone

814
00:36:06,160 --> 00:36:08,880
Speaker 2: else said, how about in the future, just choosing to

815
00:36:09,000 --> 00:36:11,160
Speaker 2: arrange free activities, so when they ask to go out

816
00:36:11,200 --> 00:36:14,800
Speaker 2: for dinners, suggest to walk because they can't afford it anyway,

817
00:36:14,840 --> 00:36:19,120
Speaker 2: and there will be no tricky conversation. Someone also said,

818
00:36:19,920 --> 00:36:22,080
Speaker 2: just stay friends. But hang out at the park or

819
00:36:22,200 --> 00:36:25,720
Speaker 2: free spaces byo snacks and drinks, and then say sorry,

820
00:36:25,760 --> 00:36:26,680
Speaker 2: I don't have the cash.

821
00:36:26,719 --> 00:36:27,920
Speaker 3: Next time they ask.

822
00:36:28,880 --> 00:36:31,399
Speaker 2: Someone else said, if she's a real friend, she won't

823
00:36:31,400 --> 00:36:34,279
Speaker 2: be offended if you say you're unable to help her financially.

824
00:36:34,600 --> 00:36:36,640
Speaker 2: That could be a good way of pushing back, which

825
00:36:36,920 --> 00:36:39,680
Speaker 2: I would agree. Like, you know, if it's a bit confrontational,

826
00:36:39,719 --> 00:36:41,759
Speaker 2: you're like, I don't really want to tackle this. I

827
00:36:41,760 --> 00:36:43,960
Speaker 2: would just go next time they ask to cash, be like,

828
00:36:43,960 --> 00:36:45,759
Speaker 2: oh my god, yess, I would love to, but I

829
00:36:45,800 --> 00:36:50,080
Speaker 2: actually don't have one hundred dollars cash. Sorry, And then

830
00:36:50,120 --> 00:36:52,080
Speaker 2: if they say you do, just be like, look, I

831
00:36:52,160 --> 00:36:54,560
Speaker 2: really don't like you know, heberbills have come up and

832
00:36:54,920 --> 00:36:57,759
Speaker 2: raw her up. Because even if you do have that

833
00:36:57,800 --> 00:37:00,719
Speaker 2: cash in the bank, it doesn't mean it is free. Like,

834
00:37:00,760 --> 00:37:02,960
Speaker 2: it doesn't mean it's able to be lean out. It

835
00:37:03,000 --> 00:37:05,920
Speaker 2: doesn't mean that you're okay with doing that. And saying well,

836
00:37:06,000 --> 00:37:07,799
Speaker 2: I actually just don't have the cash to lend out

837
00:37:07,800 --> 00:37:10,320
Speaker 2: at the moment doesn't mean that you're flat broke. It

838
00:37:10,440 --> 00:37:12,920
Speaker 2: just means you don't have cash to lend out at

839
00:37:12,960 --> 00:37:16,040
Speaker 2: the moment, and that is okay, totally There's been a

840
00:37:16,040 --> 00:37:18,000
Speaker 2: lot of people saying exactly what I say, So I'll

841
00:37:18,080 --> 00:37:19,680
Speaker 2: end on this because I think we all want to

842
00:37:19,680 --> 00:37:23,040
Speaker 2: get to bloops. But someone else said I would never

843
00:37:23,120 --> 00:37:25,880
Speaker 2: give someone money and expect it back. It's now a

844
00:37:25,920 --> 00:37:27,920
Speaker 2: gift to see it that way because it will never

845
00:37:28,120 --> 00:37:30,920
Speaker 2: ruin your friendships, Amen, which I.

846
00:37:30,840 --> 00:37:31,840
Speaker 3: Think is really important.

847
00:37:31,880 --> 00:37:34,640
Speaker 2: I mean, obviously it's way better to pay back. Please

848
00:37:34,680 --> 00:37:37,000
Speaker 2: pay it back. Don't just expect friends to lend out

849
00:37:37,000 --> 00:37:38,920
Speaker 2: money and then it be free money. But I think

850
00:37:39,120 --> 00:37:42,360
Speaker 2: having that mindset is going to keep your friendships intact.

851
00:37:43,480 --> 00:37:48,839
Speaker 2: Do you have anything to add, guys, please please Our

852
00:37:48,920 --> 00:37:52,600
Speaker 2: producers Sam and Anna Lisa unfortunately record us when we

853
00:37:52,680 --> 00:37:55,520
Speaker 2: don't think we're being recorded, and they don't dispose of

854
00:37:55,560 --> 00:37:58,439
Speaker 2: footage that we think has been disposed of where we've

855
00:37:58,480 --> 00:38:00,600
Speaker 2: messed up. And they have said that they have put

856
00:38:00,640 --> 00:38:03,520
Speaker 2: together once again another Blue Briel for us to listen to.

857
00:38:03,840 --> 00:38:06,560
Speaker 2: So how that we dive straight in. This will be

858
00:38:06,560 --> 00:38:09,280
Speaker 2: the first time we are hearing it as you guys

859
00:38:09,320 --> 00:38:11,760
Speaker 2: hear it, because they wouldn't let us hear it before

860
00:38:11,800 --> 00:38:13,879
Speaker 2: to prepare our responses, which I think is quite rude

861
00:38:14,000 --> 00:38:20,200
Speaker 2: to talk about it.

862
00:38:20,200 --> 00:38:22,560
Speaker 8: It's been another year if She's on the Money. And

863
00:38:22,600 --> 00:38:24,440
Speaker 8: while it's been a big one, you'll be happy to

864
00:38:24,440 --> 00:38:26,920
Speaker 8: know that behind the scenes, a lot of things have

865
00:38:27,000 --> 00:38:31,799
Speaker 8: stayed the same despite our best efforts. The girls keep getting.

866
00:38:31,600 --> 00:38:34,200
Speaker 3: Gussie when it comes to the inn.

867
00:38:34,800 --> 00:38:36,960
Speaker 4: I had that gurgle that was disgusting.

868
00:38:38,200 --> 00:38:39,879
Speaker 2: I was just going to burn, but like a deep

869
00:38:39,880 --> 00:38:43,000
Speaker 2: burd did you hear that? It was very sexy?

870
00:38:43,200 --> 00:38:44,440
Speaker 3: Oh my god.

871
00:38:45,480 --> 00:38:49,080
Speaker 8: And by girls we mean all the girls, even Victoria's

872
00:38:49,120 --> 00:38:50,000
Speaker 8: dog Lucy.

873
00:38:50,440 --> 00:38:55,000
Speaker 4: And so this outlawing of Lucy. Good god, did she fart?

874
00:38:55,320 --> 00:38:58,720
Speaker 4: Oh sorry, that's really right? Good, Yeah, she's right there. God,

875
00:38:59,160 --> 00:39:00,799
Speaker 4: I got her like a with and I was just

876
00:39:00,800 --> 00:39:03,320
Speaker 4: like stopped working.

877
00:39:03,400 --> 00:39:07,000
Speaker 8: We are, of course, led by Victoria, the pioneer of professionalism,

878
00:39:07,040 --> 00:39:10,239
Speaker 8: who would never ever struggle with technology.

879
00:39:10,360 --> 00:39:12,640
Speaker 3: Oh did I just press? Did I backspace?

880
00:39:12,719 --> 00:39:15,840
Speaker 6: Ordered I posted I like had my microphone on while

881
00:39:15,880 --> 00:39:19,319
Speaker 6: I was like in thing, and it transcribed me into

882
00:39:19,360 --> 00:39:22,920
Speaker 6: the comments section on our Money Wins thread And it

883
00:39:23,000 --> 00:39:25,399
Speaker 6: started from Helloa malcom to She's on the money Like.

884
00:39:26,880 --> 00:39:29,040
Speaker 8: Beck joined us this year, and she brought a new

885
00:39:29,160 --> 00:39:32,759
Speaker 8: energy to the show, as well as new interpretations of

886
00:39:32,880 --> 00:39:33,680
Speaker 8: legal boundaries.

887
00:39:33,760 --> 00:39:35,120
Speaker 2: Actually, I don't know if this is legal, but if

888
00:39:35,120 --> 00:39:35,719
Speaker 2: you take the step.

889
00:39:35,840 --> 00:39:37,640
Speaker 3: I don't know if this is legal.

890
00:39:39,360 --> 00:39:41,680
Speaker 4: I shouldn't. Perhaps I should not, yeah, saying it if

891
00:39:41,680 --> 00:39:42,040
Speaker 4: I don't know.

892
00:39:42,160 --> 00:39:45,120
Speaker 8: We've had the normal fun with everyone's stumbles.

893
00:39:45,120 --> 00:39:47,919
Speaker 2: Miss Jessic, Can you take us through our community money

894
00:39:47,960 --> 00:39:48,680
Speaker 2: wins this week?

895
00:39:48,880 --> 00:39:50,520
Speaker 4: Absolutely more busy?

896
00:39:50,760 --> 00:39:51,040
Speaker 7: Yes?

897
00:39:52,000 --> 00:39:57,320
Speaker 4: Deep? Or was she just stressed? She's the top.

898
00:40:00,040 --> 00:40:02,240
Speaker 2: Of our company to the public, So we'll keep sixty

899
00:40:02,239 --> 00:40:04,160
Speaker 2: percent of it. We're going to issue forty percent of

900
00:40:04,160 --> 00:40:06,960
Speaker 2: it to the We're going to issue forty percent of

901
00:40:06,960 --> 00:40:10,359
Speaker 2: it to the public. One is from Cassie, who is

902
00:40:10,480 --> 00:40:15,239
Speaker 2: talking about rewards cards and kind of sorry, it's gotta get.

903
00:40:19,440 --> 00:40:21,560
Speaker 8: You guys don't get to see how unhinged the girls

904
00:40:21,600 --> 00:40:23,560
Speaker 8: can get if they have to do a whole day

905
00:40:23,640 --> 00:40:24,280
Speaker 8: of recording.

906
00:40:24,719 --> 00:40:28,440
Speaker 3: But well, I'll just let this speak for itself.

907
00:40:28,520 --> 00:40:29,279
Speaker 4: Where's your energy?

908
00:40:29,280 --> 00:40:34,280
Speaker 2: Where's your passion? More passion, more passion, more energy energy.

909
00:40:37,000 --> 00:40:39,480
Speaker 8: It's truly been a big year, and we expect that

910
00:40:39,520 --> 00:40:41,680
Speaker 8: parenthood for Victoria will surely.

911
00:40:41,400 --> 00:40:43,239
Speaker 3: Only make things calmer than this.

912
00:40:43,719 --> 00:40:44,799
Speaker 8: In twenty twenty.

913
00:40:44,560 --> 00:40:48,960
Speaker 2: Four, here are Beck's top tips on creating your perfect portfolio.

914
00:40:49,040 --> 00:40:51,200
Speaker 4: All right, so from.

915
00:40:55,040 --> 00:40:57,040
Speaker 2: Some Harry Potters whisper shit.

916
00:40:58,920 --> 00:41:01,040
Speaker 8: Now. Some of you may have noticed a new word

917
00:41:01,120 --> 00:41:03,359
Speaker 8: made it into Victoria's vocabulary this year.

918
00:41:04,120 --> 00:41:07,120
Speaker 3: Some have said the excessive use of the word sleigh was.

919
00:41:07,080 --> 00:41:10,200
Speaker 8: Too much, But what you all didn't realize was that

920
00:41:10,320 --> 00:41:13,120
Speaker 8: v was actually getting into the Christmas spirit early.

921
00:41:18,719 --> 00:41:22,640
Speaker 9: Slight slap slack slave like slap, slate slap slap slap

922
00:41:22,760 --> 00:41:27,279
Speaker 9: sleigh slave slave slife slap slafe, sligh like slight, slay

923
00:41:27,360 --> 00:41:29,000
Speaker 9: slafe like slay slay.

924
00:41:29,400 --> 00:41:32,680
Speaker 8: His to another smart and very very silly year in

925
00:41:32,719 --> 00:41:37,080
Speaker 8: twenty twenty four, which she's on the money.

926
00:41:38,160 --> 00:41:40,759
Speaker 3: Well, that was slay my.

927
00:41:40,960 --> 00:41:43,400
Speaker 4: Favorite episode we've done. Oh yeah, I.

928
00:41:43,920 --> 00:41:48,120
Speaker 2: Love I'm always very impressed with commitment. Sam has to

929
00:41:48,280 --> 00:41:51,560
Speaker 2: one saving those files because like you don't go back

930
00:41:51,719 --> 00:41:53,439
Speaker 2: like I don't know, maybe he did go back through

931
00:41:53,520 --> 00:41:56,760
Speaker 2: all of it, but not only saving them, but also

932
00:41:56,920 --> 00:41:59,760
Speaker 2: like getting the right tone, like did you hear.

933
00:41:59,640 --> 00:42:01,799
Speaker 4: That sleigh and he puts.

934
00:42:01,520 --> 00:42:02,359
Speaker 3: It into the right time.

935
00:42:02,480 --> 00:42:05,320
Speaker 2: Yeah, that's what a good audio engineer does for you guys.

936
00:42:06,080 --> 00:42:09,200
Speaker 5: That was not as scary as I thought it would be.

937
00:42:09,360 --> 00:42:10,600
Speaker 3: I thought it'd be way more scary.

938
00:42:10,600 --> 00:42:13,319
Speaker 2: But honestly, like even in that Sam couldn't use all

939
00:42:13,360 --> 00:42:15,279
Speaker 2: of the illegal stuff you keep suggesting on.

940
00:42:15,239 --> 00:42:18,960
Speaker 5: The show, that's true, twenty twenty four, it would just

941
00:42:19,000 --> 00:42:21,600
Speaker 5: be like beet beat beat beat, because like we'd just

942
00:42:21,640 --> 00:42:23,640
Speaker 5: be like censoring out everything you say.

943
00:42:24,160 --> 00:42:25,319
Speaker 3: I remember that for next year.

944
00:42:25,480 --> 00:42:27,680
Speaker 2: Yeah, Beck's like okay, so yes, have you heard of

945
00:42:27,680 --> 00:42:28,720
Speaker 2: the five finger discount?

946
00:42:28,840 --> 00:42:33,799
Speaker 3: Yes, we have broad tips. He steal everything one out

947
00:42:33,880 --> 00:42:34,279
Speaker 3: of ten.

948
00:42:35,440 --> 00:42:38,480
Speaker 2: We will not not slip up again. But it has

949
00:42:38,560 --> 00:42:41,000
Speaker 2: been a year. I am very grateful to have shared

950
00:42:41,480 --> 00:42:44,200
Speaker 2: the podcast studio with the three of you this year.

951
00:42:44,239 --> 00:42:46,080
Speaker 2: I feel like we have thrived. I feel like we

952
00:42:46,160 --> 00:42:49,600
Speaker 2: have also survived. But I also just I'm so grateful,

953
00:42:49,760 --> 00:42:51,560
Speaker 2: Like I just I love what we do. I cannot

954
00:42:51,600 --> 00:42:54,440
Speaker 2: believe we are heading into our fifth year of podcasting

955
00:42:54,520 --> 00:42:57,040
Speaker 2: next year, and we have so much planned for twenty

956
00:42:57,080 --> 00:42:59,359
Speaker 2: twenty four, and I just I can't wait to share it.

957
00:42:59,360 --> 00:43:00,920
Speaker 2: Like I kind of want to just like dump it

958
00:43:00,960 --> 00:43:04,239
Speaker 2: on everyone all in January, but according to our marketing

959
00:43:04,400 --> 00:43:05,880
Speaker 2: and our content.

960
00:43:05,480 --> 00:43:07,160
Speaker 3: People, that's not how it works.

961
00:43:07,920 --> 00:43:08,160
Speaker 4: Damn.

962
00:43:08,800 --> 00:43:12,759
Speaker 2: But no, have the most beautiful new year, guys. I

963
00:43:12,880 --> 00:43:16,080
Speaker 2: cannot wait to see you bright and fresh and early

964
00:43:16,239 --> 00:43:19,440
Speaker 2: come the new year. And don't forget subtle plug, we

965
00:43:19,480 --> 00:43:23,000
Speaker 2: are running your best year yet. Online goal setting session

966
00:43:23,040 --> 00:43:25,880
Speaker 2: with me, launching on the seventh of January. So if

967
00:43:25,880 --> 00:43:28,560
Speaker 2: you're like still feeling a little bit stodgy, not sure,

968
00:43:28,560 --> 00:43:30,680
Speaker 2: if you have a heap of motivation, I've got you.

969
00:43:30,719 --> 00:43:32,560
Speaker 2: We're going to set goals together so that you two

970
00:43:32,600 --> 00:43:34,759
Speaker 2: can have your best year yet, because I just I

971
00:43:34,760 --> 00:43:38,160
Speaker 2: have a feeling about twenty twenty four. Guys, it's our year.

972
00:43:38,400 --> 00:43:40,640
Speaker 3: Yeah, I got a good feeling. Got a good feeling.

973
00:43:40,800 --> 00:43:43,000
Speaker 2: Well, enjoy the rest of the day, guys, because it

974
00:43:43,080 --> 00:43:45,439
Speaker 2: is coming very close to the end of twenty twenty three,

975
00:43:45,520 --> 00:43:48,400
Speaker 2: and we will see you fresh and early in twenty

976
00:43:48,440 --> 00:43:51,320
Speaker 2: twenty four. Love you, and we'll see you around.

977
00:43:50,960 --> 00:43:52,760
Speaker 3: Tapping you guys. Bye bye.

978
00:43:59,200 --> 00:44:01,760
Speaker 2: Did By share on She's on the Money is general

979
00:44:01,800 --> 00:44:05,680
Speaker 2: in nature and does not consider your individual circumstances. She's

980
00:44:05,719 --> 00:44:09,160
Speaker 2: on the Money exists purely for educational purposes and should

981
00:44:09,200 --> 00:44:12,360
Speaker 2: not be relied upon to make an investment or financial decision.

982
00:44:12,760 --> 00:44:15,200
Speaker 2: If you do choose to buy a financial product, read

983
00:44:15,239 --> 00:44:19,360
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

984
00:44:19,400 --> 00:44:22,680
Speaker 2: your needs. Victoria Divine and She's on the Money are

985
00:44:22,719 --> 00:44:27,759
Speaker 2: authorized representatives of Money. Sheper pty ltd ABN three two

986
00:44:27,800 --> 00:44:31,719
Speaker 2: one six four nine two seven seven zero eight AFSL

987
00:44:31,880 --> 00:44:35,760
Speaker 2: four five one two eight nine