Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money. She's on the Money.
Speaker 2: Hello, and welcome to She's on them the podcast some
Speaker 2: millennials who want financial freedom and the end of the
Speaker 2: year to happen literally right now today, my friends, it
Speaker 2: is Friday, and it is the last Friday of the
Speaker 2: year that I am going to be getting my little
Speaker 2: team together to talk about you our incredible She's on
Speaker 2: the Money community today. Mis j just gried she is
Speaker 2: going to be sharing her favorite money wins. Beck say ed,
Speaker 2: over this side of the table, you've got our three
Speaker 2: broke tips to share with us. We've got a juicy
Speaker 2: money Dilemma. As always, this week we're going to be
Speaker 2: talking all about getting started with shares, and we're gonna
Speaker 2: be unpacking something you slid into our DMS about. So
Speaker 2: this week we're talking about friends who borrow money a
Speaker 2: little bit spicy. But I have also been told that
Speaker 2: when we get to the end of this episode, our
Speaker 2: producers Sam and Lisa have cut together what they're calling
Speaker 2: bloopers from the year that has been scary.
Speaker 4: It's my favorite things that they did last year.
Speaker 2: Yeah, okay, but like I was mortified. I was like,
Speaker 2: that's not that's that's literally just showing everybody who I
Speaker 2: really am.
Speaker 5: We're not safe.
Speaker 2: We are not saying nobody is safe. Anything said in
Speaker 2: the studio does apparently not stay in the studio. So
Speaker 2: we have a bloops reel to share with you at
Speaker 2: the very end of these episodes, So guys, don't go anywhere,
Speaker 2: or if you're really bored already just skipped to the end.
Speaker 2: But before we get there, my loves, how has your
Speaker 2: week been? It is the last week of twenty twenty three.
Speaker 2: Beck enjoying it? Not enjoying it? Where are we at? Yeah?
Speaker 5: Really enjoying it? I just got back from Sydney. Saw
Speaker 5: the family.
Speaker 2: Oh how good is family?
Speaker 1: Yeah?
Speaker 5: It was really lovely and I drove there, didn't fly
Speaker 5: because you know, you guys know I hate flying. Yes,
Speaker 5: and so it was just like a beautiful, therapeutic eight
Speaker 5: and a half hours on the same road, the whole away.
Speaker 5: But I really did enjoy it. And now I'm just
Speaker 5: chilling until the office opens back up again.
Speaker 4: Yeah, what's your go through road trip album? Because that's
Speaker 4: like a you've got eight hours? What do you like?
Speaker 5: Totally I'm big podcast up. Obviously I'll listen to She's
Speaker 5: on the Money.
Speaker 2: You're quite literally a podcasting.
Speaker 5: Yeah, But what I try and do is sit in
Speaker 5: silence for as long as possible. Really, I do do that.
Speaker 5: I do because like, let's say, I can get through
Speaker 5: an hour and a half and then when I start
Speaker 5: listening to something then it feels like, do you know,
Speaker 5: like I've not been myself, Like.
Speaker 2: I bore myself for one hour?
Speaker 4: Do you like talk to yourself in your hesh?
Speaker 5: I think about things. I think about things. I look around.
Speaker 2: At the same site You've seen every single time is
Speaker 2: driven to Sitney and back.
Speaker 5: They're still or inspiring, you know, there's something about an
Speaker 5: something about an open road in summer jest. You totally
Speaker 5: get it.
Speaker 4: But see, I would put on like a country like
Speaker 4: you do a country album.
Speaker 2: I would do either the Taylor Swift Eras to a
Speaker 2: set list, which I have been listening to on repeat
Speaker 2: on Spotify. I also read something recently. Do you know
Speaker 2: what I can't say? I read something recently that's a
Speaker 2: blatant lie, Jessica. I saw something on TikTok recently that
Speaker 2: makes sense. Story checks out more alright. Taylor Swift trained
Speaker 2: for her Eras tour by running on a treadmill while
Speaker 2: singing her entire Eras Tour set list. Wow, and I
Speaker 2: can't wait for people to start training for marathons that way.
Speaker 4: Honestly, if there was a way to get me to run,
Speaker 4: that would be Yeah.
Speaker 2: I can organize that, jess No worries. I know you've
Speaker 2: already got a walking pat in your house. Halfway there,
Speaker 2: but I'd either listen to that or we'd just be
Speaker 2: listening to really gruesome murders the entire way there.
Speaker 4: I'll be in a different car.
Speaker 2: You don't know what you're missing, Jessica.
Speaker 5: Actually, I'm also not a true crime person.
Speaker 2: But anyway, no, no, please, you are not my people,
Speaker 2: no misteressic. How has your week being good?
Speaker 4: Just been relaxing, eating gingerbread, eating lots and lots of gingerbread.
Speaker 4: I went boxing day shopping, snagged some deals we love that,
Speaker 4: just kind of taking the break because we only have
Speaker 4: a little quick one just to enjoy it. Be aro
Speaker 4: od friends, go to the beach, chill out, lovely good things.
Speaker 4: How are you.
Speaker 2: I'm just trying to eat this blueberry muffin because I
Speaker 2: definitely haven't had enough food over this festive season. I
Speaker 2: went down to the beach to spend some time with
Speaker 2: my family. My parents are down there, my sister came down.
Speaker 2: I've been hanging out with my husband. We're kind of
Speaker 2: like in that, I don't know, we're waiting for a
Speaker 2: baby to arrive. They're coming in February, at the end
Speaker 2: of February, we think, So that's kind of it's just
Speaker 2: a bit weird. I feel like we're in limbo. We're
Speaker 2: planning for a baby. I'm uncomfortable. I'm not having the
Speaker 2: best time in the heat. I'm really puffy, like all
Speaker 2: of those things. Really grateful obviously, like every pregnant person.
Speaker 2: We're all grateful for it, but like, guys, I'm not gonna.
Speaker 4: Lie pregnancy sucks.
Speaker 2: Which one of you was gonna be like, Oh, by
Speaker 2: the way, here's a laundry list of symptoms you're definitely
Speaker 2: gonna get and like it's not fun. So I feel
Speaker 2: like I can be grateful for being pregnant obviously cannot
Speaker 2: wait for this baby to arrive, but also cannot wait
Speaker 2: to not be pregnant.
Speaker 6: You're a beach ball.
Speaker 2: If anyone ever tries to tell me ever again like
Speaker 2: pregnancy is magical, I'm gonna be like, you're a liar,
Speaker 2: A dirty liar.
Speaker 4: Yeah, that seems fair.
Speaker 2: I just don't know how anyone enjoys this anyway. Let's
Speaker 2: get into the episode, Miss Jess Gricci, What have you
Speaker 2: got when it comes to community money, wins and confessions?
Speaker 4: First one is a little bit niche, but it comes
Speaker 4: from Emma and she said money win. Late October, I
Speaker 4: received an email from my payroll saying I owed them
Speaker 4: over three grand as I was overpaid on my birth leave.
Speaker 4: My child is now almost two.
Speaker 2: By the way.
Speaker 4: It didn't seem right to me, so I went back
Speaker 4: and checked all my payslips and requested that they double
Speaker 4: checked by doing a full audit, which they did. Fight
Speaker 4: this week they email me to say, actually, you don't
Speaker 4: have an overpayment at all. We actually owe you two
Speaker 4: hundred dollars as we underpaid you. And also, by the way,
Speaker 4: we didn't pay you forty five hundred dollars into super.
Speaker 4: Well you're on birth leave.
Speaker 5: Oh my goodness, excuse me.
Speaker 2: She said.
Speaker 4: I'm so happy I stood my ground and didn't just
Speaker 4: agree to pay it back. That is a big mistake.
Speaker 2: That is not just a big mistake, that's embarrassing.
Speaker 4: Yeah, so they sneaky double check you or receipts always people.
Speaker 2: That gives me the ick for that employer.
Speaker 5: Totally.
Speaker 2: Really, if I did that to you, Jess, would you
Speaker 2: like try and leave? Because I would.
Speaker 4: I think I'd be going. You work for finance company.
Speaker 2: Extra embarrassing for me. Oh my god. Imagine if I've
Speaker 2: messed up like my super or my taxes or something.
Speaker 4: Embarrassing.
Speaker 2: Outsource it, guys, it's outsource it so I can blame
Speaker 2: other people. Next, I've got a money win from Sue
Speaker 2: who said I paid for a normal entry ticket to
Speaker 2: a festival on the weekend, but somehow I ended up
Speaker 2: with a VIP ticket around my wrist.
Speaker 4: Love us.
Speaker 2: She didn't didn't tell us how that happened.
Speaker 4: Yeah, maybe they just gave her the wrong one.
Speaker 5: And she was like, would you say something? No, you would.
Speaker 4: Would exactly, not in a situation where they're not losing out.
Speaker 4: Do you know if I went to the shops and
Speaker 4: they didn't scan something through, then probably company, I supparent.
Speaker 2: And then there's me calling over the attendant of the
Speaker 2: calls check out the I'm like, so this didn't go
Speaker 2: through that, like when I put it in, like it
Speaker 2: didn't change the measurement. Could you just like, oh, scan
Speaker 2: it in? Because now I'm anxious And they're just like,
Speaker 2: you should have stolen it. Everybody else steals it.
Speaker 5: That's cute.
Speaker 4: Well, I have a good win to come actually on
Speaker 4: that theme, but firstly one from Shay who said money win.
Speaker 4: I opted out of capitalism for Christmas. I didn't spend
Speaker 4: money to travel to see people that made me miserable.
Speaker 4: I didn't spend money on stuff people don't need or
Speaker 4: want out of obligation or guilt. And I didn't spend
Speaker 4: money or my health on booze that would be used
Speaker 4: to cope with dealing with family drama.
Speaker 5: Amazing, weeen we love to see it.
Speaker 2: Also, just because they labeled as family doesn't mean you
Speaker 2: have to spend any time with them. If they don't
Speaker 2: nourish you, bye, absolutely completely cut them out.
Speaker 4: Next, Skyly said, I bought a twenty four pack of
Speaker 4: Huggies nappy pants usually twenty two dollars using a discount
Speaker 4: on door dash, and only paid eighteen dollars.
Speaker 2: Okay, that's good, that's a money win, already a win.
Speaker 4: But it gets better because they were out of stock,
Speaker 4: so they substituted it for a pack of forty eight.
Speaker 4: Who saved twenty one bucks and I didn't even have
Speaker 4: to go to the shops.
Speaker 2: As someone has recently been buying nappies. That stuff is wild. Actually,
Speaker 2: side note, can I play a little game with you too?
Speaker 4: Oh please?
Speaker 2: I've been planning for a baby, and as you guys know,
Speaker 2: I'm a spreadsheet girly. I'm going to need to know
Speaker 2: how many nappies and newborn news is each and every
Speaker 2: single day, and I'm probably gonna put it in a
Speaker 2: spreadsheet calculate how many nappies I need at what size
Speaker 2: and when and where and how much do nappies cost
Speaker 2: and what is the best price that I could potentially get.
Speaker 2: So the real question here is goes how many nappies
Speaker 2: does a newborn news each and every single day?
Speaker 5: My gut says like six, Yeah, my gut says four. Four?
Speaker 2: You reckon, Well it's actually nine or ten. So you're
Speaker 2: using sixty plus nappies a week? Who when you have
Speaker 2: a newborn. And I was like, nah, that math can't
Speaker 2: be right. So I call one of my midwife friends
Speaker 2: and I was like, hey, just wondering, like, you know,
Speaker 2: trying to plan one. They will like just buy a
Speaker 2: I could have nappis and buy another packet when you
Speaker 2: start to run out. And it's like, well that seems
Speaker 2: quite logical. I want to do the maths. I want
Speaker 2: to work out what these nappie's going to cost me. Yep,
Speaker 2: And it's nine or ten a day. It goes down
Speaker 2: as they start to be able to like control themselves
Speaker 2: a little bit better.
Speaker 5: But like, sure, what do you.
Speaker 2: Mean ten a day?
Speaker 5: That is excess. That's a lot. That's a lot of.
Speaker 4: Nappies so many ways, And you wonder she was so
Speaker 4: excited that she got them for half the price.
Speaker 2: Yeah, exactly, because you just go through them, and then
Speaker 2: it makes me think about like landfill and whether they're
Speaker 2: biodegradable or not, and whether I should be doing a
Speaker 2: cloth nappy parenting thing, and then I have to manage
Speaker 2: my entire life around clock. I just it's a lot,
Speaker 2: is a lot.
Speaker 4: Oh my goodness.
Speaker 2: Anyway, carry on, Jess, what else have you got?
Speaker 4: I've got a win from Ashley, who said I was
Speaker 4: in need of a gift idea, so I decorated a
Speaker 4: mug with polymer clay and I kept one as a
Speaker 4: gift to myself and she put a.
Speaker 2: Cute that's so cute.
Speaker 5: That's so I love it.
Speaker 4: And then lastly I have a wind from Beck. He
Speaker 4: said I went to buy two meters of fabric at
Speaker 4: Spotlight and they tried putting it through and the girl said,
Speaker 4: it appears we don't sell this, just take it.
Speaker 5: Wow, that is so cool.
Speaker 2: Her boss is like, I saw now sing, no.
Speaker 4: We don't know what happened.
Speaker 5: I love that.
Speaker 4: That's everything I got.
Speaker 2: Oh, I think that that is a very good wrap.
Speaker 2: Miss Beck sayed, what broke tips have you got for us?
Speaker 2: Like the last three of the year, you're feeling the
Speaker 2: pressure to make these really good.
Speaker 5: A little bit trujular.
Speaker 2: She doesn't care look at her face. She's like, no
Speaker 2: v all my stuff is good.
Speaker 5: Also, I'm very organized, So I think, I think, I feel.
Speaker 4: Okay, you've never let us down before.
Speaker 5: Thank you. That's so nice. You need happen.
Speaker 2: So ten out of ten, what's your first broke tip
Speaker 2: of the week?
Speaker 5: Okay, so this first broke tip is maybe more of
Speaker 5: a life hack, but also definitely a money saver. So
Speaker 5: this one's from Emma, who says that what she does
Speaker 5: basically is on melk prep days she bulk a bunch
Speaker 5: of brown rice, white rice, whatever it is. It turns
Speaker 5: out to be a lot cheaper than say, buying like
Speaker 5: a one kilo bag every now and then, usually not
Speaker 5: using it all. If you end up leaving in the
Speaker 5: back of the pantry, like one of those big ones.
Speaker 5: There's really big ones, you know, there's ten kilo ones.
Speaker 2: Oh my gosh, I don't need ten kilos of cooked rice.
Speaker 5: You just got a bolt cook it all, freeze it.
Speaker 5: It lasts forever.
Speaker 4: Where do you put it though?
Speaker 2: I mean I didn't freeze, o, Jessica, that's where you freeze.
Speaker 5: True, you don't have to cook the whole ten I
Speaker 5: was gonna.
Speaker 4: Say, a picture you trying to get ten killed, like
Speaker 4: that whole big ass sax worth of rice into your face.
Speaker 2: So I think a life wind would be just like
Speaker 2: maybe cook like one kilo of it, and I would say,
Speaker 2: probably don't freeze it all together either, like you know,
Speaker 2: individually glad wrap the packets she gets.
Speaker 5: Send the photos all individually glad wrapped, which is great
Speaker 5: because I feel like, even when we're cooking rice, we
Speaker 5: over estimate how much we need end up chucking the
Speaker 5: rest out.
Speaker 2: But you can freeze rice. You can you don't need
Speaker 2: to chuck it out.
Speaker 5: But often you'll be like using the chicken curry spoon
Speaker 5: in the rice and you're like, ah, it looks a
Speaker 5: bit gross, let's just chuck it out anyway, not gross
Speaker 5: if it's definitely not gross. But I feel like when
Speaker 5: you you know, when you're just doing that for per meal, yeah,
Speaker 5: you end up just chucking it out. So bolt cooking
Speaker 5: a bunch of rice, it's very feeling. It'll you'll need
Speaker 5: in times of need when.
Speaker 2: You're just way cheaper than buying that pre prepared microwave rice.
Speaker 2: You're basically making your own microwave rice much cheaper because
Speaker 2: one you don't have to pay it, but two you're
Speaker 2: probably going to put it in the microwave any way
Speaker 2: to reheat it, So what's the problem.
Speaker 5: Totally better for the environment as well.
Speaker 2: Love it, money win, life win.
Speaker 5: I like that one absolutely. This next one comes from
Speaker 5: Alex who recently moved and had a lot of kind
Speaker 5: of like half used toiletrees, some were full, but ones
Speaker 5: that she wanted to donate. Unfortunately, you can't really donate
Speaker 5: toiletrees due to hygiene reasons and other things once they've
Speaker 5: been used. That's true, but this is also kind of
Speaker 5: just we're talking about this maybe last it might have
Speaker 5: been last week or maybe a couple weeks ago, where
Speaker 5: she kind of set up this thing with her friends
Speaker 5: where it's like a toiletry swap. So when we were
Speaker 5: talking about this a couple of weeks ago, we were saying,
Speaker 5: like a skill swap of sorts. So you could do
Speaker 5: this with really anything with your friends, if you're moving,
Speaker 5: if you've got a bunch of little things that you
Speaker 5: need to declutter, just make it a thing in your
Speaker 5: friendship group if you have one, or in your community
Speaker 5: Facebook group or wherever just try and set up a
Speaker 5: little yeah, toiletry swap little things like that. She also
Speaker 5: says that this is really honestly helpful for some if
Speaker 5: you're ever running low on toilet tries. Hotels and hostels
Speaker 5: have stacks of abandoned ones in lost property, so that
Speaker 5: is also an option if you're, like, literally for someone
Speaker 5: maybe doing it tough living on the street, go to
Speaker 5: a hotel, go to a hostel and see if they
Speaker 5: have anything in lost property. They probably even have clothes
Speaker 5: and stuff in there that you could maybe take. But
Speaker 5: that's something I'd never really thought of before, lost property.
Speaker 4: From going to landfill or something like that.
Speaker 5: Absolutely, absolutely so smart.
Speaker 2: When you say, like a toilet tree swap, I laugh
Speaker 2: a little bit because that was from Alex, and my
Speaker 2: little sister's name is Alex, and like, I think my
Speaker 2: little sister's version of a toilet tree swap is coming
Speaker 2: into my house, opening my skin tap and going I'll
Speaker 2: take this, this and this, and I just really want
Speaker 2: to try this to be and then all of my
Speaker 2: stuff goes. There's no swapping, there's just taking, but it's
Speaker 2: all my half opened product that I might actually be enjoying.
Speaker 2: But she thinks she'd enjoy more.
Speaker 5: Yes, of course. Oh well that's a money win for her.
Speaker 2: That's a little sister win, I think.
Speaker 5: Yeah, I love that. Okay, So my broke tip is
Speaker 5: I probably should have mentioned this last week because it's
Speaker 5: almost the summer's almost over. But basically, this summer.
Speaker 2: What are you doing? You gatekeeping? I know I kind
Speaker 2: of gave all people on the show to gatekeep.
Speaker 5: It's you. I don't believe it. I never saw this
Speaker 5: in my life.
Speaker 2: I didn't see this coming either. We're gonna have to talk.
Speaker 5: No, well it's not too late because holy moly, Struke
Speaker 5: Bowling and Archie Brothers are all offering ten dollar games
Speaker 5: and she beats over the summer.
Speaker 2: Oh that's kind of cool. Yeah, if you have cute date.
Speaker 5: It's a cute date, it's cheap date. You can take
Speaker 5: your friends, you can take your family, maybef you have
Speaker 5: little kids and you don't want to be blowing the
Speaker 5: budget over the school holiday.
Speaker 2: Also, maybe want air conditioned space to do something for
Speaker 2: a while if you don't have aircon at home.
Speaker 5: Exactly right, exactly right. So yeah, take advantage of that.
Speaker 5: I think I might.
Speaker 2: You think you might thin you're going to go bowling.
Speaker 2: I haven't been bowling in here, you know. Oh I think, actually, Jess, Yeah,
Speaker 2: exactly what I was going to say. Oh, that was messy.
Speaker 5: Let's not talk about it. I don't need to hear
Speaker 5: about this off air.
Speaker 2: We went to bowling, but it was bowling in a bar. Dangerous, Yeah,
Speaker 2: very dangerous. None of us are very good at bowling.
Speaker 2: So we were there for the festivities.
Speaker 4: Yeah, very much.
Speaker 2: So well, I love those. Let's go to a really
Speaker 2: quick break on the flip side. We're going to be
Speaker 2: talking about getting started with shares. We've got a spicy
Speaker 2: DM about friends who borrow money, and the countdown to
Speaker 2: the bloops is on. I'm really scared, but also kind
Speaker 2: of excited to hear how many times I've messed up
Speaker 2: on the podcast or said things maybe I shouldn't have.
Speaker 2: So don't go anywhere, guys.
Speaker 4: Welcome back, guys. Let's take a listen to the Money Dilemma.
Speaker 2: Hi. There, have you got a money dilemma you just
Speaker 2: can't solve? The Sheese on the Money Team is here
Speaker 2: to help. Every week, we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved. Simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 7: Hey guys, I'm made thirty five year old female with
Speaker 7: a little bit of surplus money and I'm wanting to
Speaker 7: explore perhaps purchasing shares EFTs, don't know what they are.
Speaker 7: Would love your advice on where to get started, and
Speaker 7: really just basic knowledge that we should have as women
Speaker 7: to get into the final market.
Speaker 4: Thank you.
Speaker 2: Oh well, hello, and welcome to She's on the Money,
Speaker 2: the podcast Millennials who want Financial Freedom. So we have
Speaker 2: five hundred plus episodes of I would say financially, some
Speaker 2: of it's questionable. The Friday episodes, you might want to
Speaker 2: give a little bit of a skip if you're not
Speaker 2: too interested in what we call our personalities. But on Wednesday,
Speaker 2: we do what we call a deep dive, and each
Speaker 2: and every single deep dive, the entire purpose of that
Speaker 2: episode is to educate you on a topic that maybe
Speaker 2: you haven't discussed before, or maybe a topic that you
Speaker 2: have seen before, but no one's ever broken it down
Speaker 2: in a way that actually made sense to you. And
Speaker 2: spoke to you in a way where we're peers having
Speaker 2: a chat. You're not silly for not knowing this stuff,
Speaker 2: You've just never learned it before. I'm excited because I
Speaker 2: can answer this so quickly and so easily. My friend,
Speaker 2: we did an entire investing series with our friends from
Speaker 2: Charez's recently and even the year before. So if you're
Speaker 2: interested in learning about share or ETFs, what I would
Speaker 2: do is key into your podcasting app. Any podcasting app
Speaker 2: does the job, and I would key in she's on
Speaker 2: the money shares or She's on the money ETFs, and
Speaker 2: an episode that is directly related to that topic is
Speaker 2: going to come up. I'm a little bit biased. If
Speaker 2: I were you, I would really start at the beginning
Speaker 2: of our podcast because the way that we've structured it
Speaker 2: is really so that you can kind of build those foundations.
Speaker 2: And now we're nearly five years in. Isn't that wild?
Speaker 2: Nearly five years of content in, But we've kind of
Speaker 2: leveled up the content in a way where sometimes you
Speaker 2: do have to go back to basics and listen to
Speaker 2: a couple of the older episodes to go, let me
Speaker 2: collect all of these basic foundations that I need to
Speaker 2: create my financial literacy toolkit and then build from there.
Speaker 2: But excitingly, the team and I sat down a couple
Speaker 2: of weeks before Christmas and jess, what do I make
Speaker 2: you do?
Speaker 5: We put together a spreadsheet?
Speaker 4: Is anyone?
Speaker 2: No one is surprised? But what was in the spreadsheet?
Speaker 4: All year's worth of content?
Speaker 2: Yeah, And the reason we did that was because I
Speaker 2: just said, look, I'm obviously having a baby this year.
Speaker 2: We obviously already put lots of thought, energy and effort
Speaker 2: into the content that we create. But I was like,
Speaker 2: what did we do like five years ago that might
Speaker 2: have changed? Like let's review that. Okay, we've got, you know,
Speaker 2: an investing series that we're doing in twenty twenty four.
Speaker 2: All right, we know that we wanted to build on
Speaker 2: one another. So if you went and just listened to
Speaker 2: those investing episodes, you get like a juicy amount of
Speaker 2: knowledge that kind of builds on each other. I didn't
Speaker 2: want to be in a position where, you know, five
Speaker 2: years in you would think that content might get repetitive.
Speaker 2: I am also surprised guys that we still have so
Speaker 2: many topics we haven't tackled. But I just wanted to
Speaker 2: make sure that we were nailing it, and if we
Speaker 2: had already done it, we went back and we checked
Speaker 2: the episode and said, is this outdated? Do we need
Speaker 2: to update it? You know, is there anything that has changed?
Speaker 2: And in the world of investing, so much has changed.
Speaker 2: So I'm excited for I guess the structure of next
Speaker 2: year to roll out, because it's basically going to be
Speaker 2: a here's an investing guide, here's a savings guide, here's this,
Speaker 2: that and the other, and we're really keen. So from
Speaker 2: my very very biased perspective, I would be starting with
Speaker 2: our content. There's obviously a heap of other podcasts you
Speaker 2: can listen to Girls that Invest My Millennial Money are
Speaker 2: two of our friends of the show that we know
Speaker 2: and love. There's also a whole heap of investing books
Speaker 2: out there. I obviously already have three books, guys, It's
Speaker 2: going to be five in twenty twenty four because having
Speaker 2: a baby, it's just not enough for one year. So
Speaker 2: I'm going to be releasing a book in May and
Speaker 2: then another book in November, which is very very exciting.
Speaker 2: But also all of our friends have finance books as well,
Speaker 2: and if you just go into any bookshop, the finance
Speaker 2: section have a look, read the blurbs on the back,
Speaker 2: find one that resonates with you, because to me, that's
Speaker 2: the most important thing is that you're learning from someone
Speaker 2: who talks to you in a tone of voice that
Speaker 2: you enjoy, because otherwise you're not going to listen, you're
Speaker 2: not going to engage with it. So that is my advice.
Speaker 2: Do you guys have ourthing to add to that? Because
Speaker 2: I've just basically done a sales pitch on the She's
Speaker 2: on the Money podcast for you to listen to the
Speaker 2: She's on the Money podcast.
Speaker 4: I think you've had it. I was just gonna say,
Speaker 4: if you want to get the investing the shoes in
Speaker 4: the Money book, we'll popplelink in the show notes to
Speaker 4: make it easy for you.
Speaker 5: Smart lovely, Yes, credit we do.
Speaker 4: I've got your girls.
Speaker 5: And for me, I was going to basically say the
Speaker 5: same thing as Ve. I think that you do a
Speaker 5: really good job of covering basics and also intermediate and
Speaker 5: also advanced. So yeah, go back and have a little listen.
Speaker 2: Go back and have a listen. Also, thanks for the listens.
Speaker 2: Love you guys. Let's move into the next part of
Speaker 2: the show. This is the second last part of the
Speaker 2: show today because we've got to get to the bloops.
Speaker 2: But as always, you guys have slid into our dms
Speaker 2: about a spicy topic, which is friends who borrow money.
Speaker 2: So here is the DM my friends. Hello, she's on
Speaker 2: the money. I need advice, my friend, You're in the
Speaker 2: right place. We have advice, we have opinions. We're going
Speaker 2: to have a little bit of trauma. One of my
Speaker 2: best friends always asks me to borrow money. It used
Speaker 2: to be like twenty bucks here and there, but lately
Speaker 2: she's asking for more than one hundred dollars at a time,
Speaker 2: saying she desperately needs it to pay rent, she doesn't
Speaker 2: have a job, and that I'm the only person she
Speaker 2: can turn to for help. I do feel bad, and
Speaker 2: she has a really fractured relationship with her parents, so
Speaker 2: living at home is not an option. In the past,
Speaker 2: I've mentioned I feel really uncomfortable her asking me for money,
Speaker 2: yet I always seem to give it to her because
Speaker 2: I am guilted into it. In brackets with a face
Speaker 2: palm emoji. I've even suggested that I can help her
Speaker 2: get a job and assist with her applications, but she
Speaker 2: always declients. Not long ago, we went out for dinner
Speaker 2: and where the bill came. She didn't have any money
Speaker 2: to pay. She said she didn't want to let me
Speaker 2: down and was embarrassed to say she couldn't afford it,
Speaker 2: so came anyway. I obviously had to pay for the
Speaker 2: entire thing. I need this to stop, but also want
Speaker 2: to be sensitive with her, as I know she's currently struggling.
Speaker 2: What do I do.
Speaker 5: She didn't mention if the friend pays it back at
Speaker 5: her in a reasonable time, which I know is not
Speaker 5: the really the point, but.
Speaker 2: A little bit, a little bit.
Speaker 4: There's a big difference between a friend who borrows money
Speaker 4: all the time but will get it back to you
Speaker 4: when I can add a friend who borrows money and
Speaker 4: doesn't pay back.
Speaker 5: And doesn't pay back. And I'm wondering she's not employed.
Speaker 5: Maybe she does have other income and can pay it back,
Speaker 5: But personally, I really want that information because I'm thinking
Speaker 5: of me and my best friend Olivia, who I.
Speaker 2: Always I'm going to nickname her money bags.
Speaker 5: Yeah, I literally always borrow money from her, but I
Speaker 5: also paid back quickly, and we have like a sibling
Speaker 5: relationship where it's not awkward to say no to each other.
Speaker 5: So I think that's different in a way. But I'm
Speaker 5: still kind of like listening to this and just wondering
Speaker 5: what the dynamics like. Yeah, and is she too uncomfortable
Speaker 5: to say a firm no, a staunch no. It is awkward.
Speaker 5: Your friend is obviously struggling, but that's not your responsibility. Yeah,
Speaker 5: this person seems like a really good friend, Like.
Speaker 2: I can tell that they're a good friend by the
Speaker 2: way that it's written. Yeah, because they obviously are worried
Speaker 2: about them struggling. They don't really want to say no,
Speaker 2: but they're also like, I can't keep doing this. I've
Speaker 2: had enough of this, like it needs to end. But
Speaker 2: they also don't want to, like say a firm no,
Speaker 2: because if they say a firm no, it might be
Speaker 2: like a line in the sand with the relationship, and
Speaker 2: clearly they don't want to draw that line. Yeah, it's
Speaker 2: really really hard, Jess, what would you do?
Speaker 4: I think it's hard because it's one of those things
Speaker 4: where to me, it sounds like her friend is going
Speaker 4: to be reliant on this until she no longer can be,
Speaker 4: So I wonder if cutting it off is in a
Speaker 4: way to benefit the friend as well, like to be
Speaker 4: like you can't rely on me for these things, particularly
Speaker 4: with the dinner for example, It's not as if your
Speaker 4: friend is saying, hey, I need money to pay my
Speaker 4: rent or I'm going to be homeless, Like your friend
Speaker 4: did not need to come out to dinner with everybody,
Speaker 4: And I understand that she was embarrassed, But there are
Speaker 4: ways that you can tackle it and approach it, and
Speaker 4: I think any friend be understanding of the fact that
Speaker 4: you can't afford to do it. So I feel like
Speaker 4: perhaps if our listener was to draw the line in
Speaker 4: the sand, it might in a way kind of help
Speaker 4: your friend to have to let you know it's fine
Speaker 4: or flying right, like I'm pushing you out of the nest.
Speaker 4: You can't, you gotta fly. You got to figure it out.
Speaker 4: But at the same time, I do feel like I
Speaker 4: have to flag that that has the potential to be volatile,
Speaker 4: and it has the potential for your friend to react
Speaker 4: emotionally and be really upset. So it's something I think
Speaker 4: that you do have to be prepared for that if
Speaker 4: that's what you want to do. But I completely agree
Speaker 4: with our listener. If I was in that situation where
Speaker 4: I wasn't comfortable lending to a friend and I had
Speaker 4: expressed that and they weren't being respectful of that. I
Speaker 4: would find that upsetting. It's a totally different thing, like
Speaker 4: you were saying in your example with.
Speaker 2: You and Live.
Speaker 4: You know, if she's happy to do it and she
Speaker 4: knows you're going to pay it back and everyone's fine,
Speaker 4: then there's no reason to not behave that way. But
Speaker 4: particularly I think the fact that she is expressed to
Speaker 4: her friend that she's uncomfortable and they're continuing to do it.
Speaker 4: An That's what I don't really like because normally in
Speaker 4: this situation, i'd say, oh, like talk to your friends,
Speaker 4: like let them know how you're feeling, blah blah blah.
Speaker 4: But it sounds like she's done that and their friends
Speaker 4: not changing the behavior, And I think that that is
Speaker 4: really disrespectful and unkind, particularly when it comes to luxuries
Speaker 4: not necessities.
Speaker 2: Yeap, Yeah, like going out for dinner.
Speaker 4: You don't need to go out for dinner, babe.
Speaker 2: So I was really empathetic of the story, like and
Speaker 2: of the question. I was like, this really sucks, like
Speaker 2: we're in the middle of a cost of living crisis.
Speaker 2: Like I totally get it. You know, we don't know
Speaker 2: why her friend doesn't have a job. There could be
Speaker 2: really valid reason as to why she doesn't have a job.
Speaker 2: There are six million I could come up with on
Speaker 2: the spot as to why she can't work at the moment,
Speaker 2: and that's fine. I'm assuming that there's not like a
Speaker 2: massive issue with not working. Given the friend has suggested, oh,
Speaker 2: I can help you with the applications, Jess, like I
Speaker 2: could feel them in and you know, help you along
Speaker 2: that process. I'm assuming that there's nothing that you're aware of,
Speaker 2: that is all. I don't want to say. Fine, but
Speaker 2: like you're letting them get away with it, Okay. I
Speaker 2: think it's taking it a step too far when you're
Speaker 2: going out for dinner and just expecting the other person
Speaker 2: to pay. I feel like you're then in a position
Speaker 2: where you're being taken advantage. It's crazy to me. I
Speaker 2: think it's really rude. Like honestly, like, obviously money is
Speaker 2: fickle and all of that, but like, yeah, okay, you
Speaker 2: were embarrassed. You know, it's more embarrassing putting your other
Speaker 2: friend on the spot and being like, well, now they're okay,
Speaker 2: I don't have any cash. You're gonna have to cough
Speaker 2: up two times the amount you thought you were going
Speaker 2: to have to for dinner. Now like what if I'd
Speaker 2: only budgeted enough for one, Like now you're putting that
Speaker 2: burden on your friend and expecting that to be okay,
Speaker 2: Like I get embarrassment exists, Like please, don't get me wrong.
Speaker 2: We've spoken so many times on the show about how
Speaker 2: you know, in theory you should just say no. But
Speaker 2: then there's me who also I'm a people pleaser. Yes,
Speaker 2: you're also people pleaser. Like I know that if I
Speaker 2: asked Jess to brow money, she'd be like, oh, that's
Speaker 2: really weird. Okay, now yeah, of course fee Like even
Speaker 2: if you know, but even if you didn't want to
Speaker 2: do it, because with just to night people pleaser is
Speaker 2: we would do it anyway. And I'm not saying that
Speaker 2: that's the right thing. But I also think that when
Speaker 2: it comes to money, we should just be honest about
Speaker 2: our thoughts and feelings and all of that kind of stuff.
Speaker 2: So I get it. I don't think I could say
Speaker 2: no to a friend because I do want to help.
Speaker 2: I'm that type of person that goes no, no, no, let
Speaker 2: me fix it, like I want to help. But at
Speaker 2: the same time, like then there's the line of like, hey,
Speaker 2: can I borrow one hundred dollars? Like I'm so sorry,
Speaker 2: I have to meet rent. Happening all the time, and
Speaker 2: you're going, oh, should becoming reliant on it becomes rude,
Speaker 2: It becomes entitled when you're then going out for dinner
Speaker 2: and just being like, oh, by the way back, can't pay?
Speaker 2: What are you doing?
Speaker 4: And if they can't work, I think there are so
Speaker 4: many other options, because again I agree with.
Speaker 2: Last month, you did your or this end of the
Speaker 2: month's really there, but you did your find one thousand
Speaker 2: dollars without finding a new job.
Speaker 4: Well yeah, And that's the thing is, like there is
Speaker 4: so many options if, as you were saying, not everyone
Speaker 4: can work, and that's totally valid, but even outside of
Speaker 4: government support, that is available selling stuff a Facebook market place,
Speaker 4: returning cans. I did surveys, do you know what I mean? Like,
Speaker 4: there are so many options that you can make enough
Speaker 4: money to get you buy Like even just doing surveys,
Speaker 4: I was making fifty bucks a week, one hundred bucks
Speaker 4: a week slay, which is just from your phone. And
Speaker 4: not everyone is going to want to dedicate or have
Speaker 4: the time to dedicate. But if you're in a spot
Speaker 4: where like I really genuinely don't have the money. I
Speaker 4: think there are options that you can explore, and is
Speaker 4: it going to pay you five thousand dollars a month?
Speaker 4: Obviously not. But if you just need money to get
Speaker 4: buy if you just need money to go to dinner,
Speaker 4: so you're not relying on your friend, there are definitely
Speaker 4: things that I think she could be exploring that aren't
Speaker 4: putting her friend in this position.
Speaker 2: Honestly borrowing money. I think it's a fickle topic because
Speaker 2: so many people are going to be opinionated on it.
Speaker 2: Some people will say absolutely not. I'm very much of
Speaker 2: the opinion I will lend money to friends, but I
Speaker 2: see it as a if they pay it back, nice,
Speaker 2: But it's you either get paid back or you lose
Speaker 2: a friendship. And like to me, I'm always like, okay,
Speaker 2: well here it is, but I'm never going to chase it.
Speaker 2: If that makes sense. Some people are completely for it,
Speaker 2: like Beck, you've got a friend where that relationship exists
Speaker 2: and it works. We can't argue with that, and that's
Speaker 2: absolutely fine. But again, money is inherently emotional. It's when
Speaker 2: it steps out of you know, being I'm so glad
Speaker 2: that I have this support I'm so glad. You know,
Speaker 2: I'm grateful to being entitled, and this feels like it's
Speaker 2: gone from being like I'm grateful to being entitled. If
Speaker 2: that started happening to me, I'd want to cut the
Speaker 2: friend off to It'd be like you are taking the
Speaker 2: absolute mickey. Get in the bin, yeah, hard agree, whatever
Speaker 2: else say, they go. The first question we asked was,
Speaker 2: do you think the friend is potentially taking advantage of
Speaker 2: this person? Ninety eight percent of you said yes. If
Speaker 2: this was you, would you end the friendship? Thirty percent
Speaker 2: of you said yes, I don't need that in my life,
Speaker 2: but seventy percent of you said no, I'd certainly set
Speaker 2: some boundaries though. If yes, what did you do when
Speaker 2: someone asked you to borrow money? Sixty six percent of
Speaker 2: you said I gave it back and they paid me
Speaker 2: back nice. Twenty percent of you said I gave it,
Speaker 2: but I wish I didn't because I never got it back,
Speaker 2: and fourteen percent of you said I said I wasn't
Speaker 2: in a position to lend to them. If you did
Speaker 2: lend money to a friend, we said how much? Thirty
Speaker 2: six percent of you said the most common amount to
Speaker 2: lend was ten to twenty bucks, Thirty five percent of
Speaker 2: you said fifty two hundred bucks, eighteen percent of you
Speaker 2: said two hundred to five hundred dollars, and twelve percent
Speaker 2: of you said more than one thousand dollars. Wow, that's
Speaker 2: so much money.
Speaker 4: That's the other thing is her friend's asking for one
Speaker 4: hundred bucks at a time. That's a lot.
Speaker 2: That's a lot.
Speaker 4: That's not a Hey, my card's not working. Can you
Speaker 4: spot my eight dollar latte?
Speaker 2: Yeah, exactly, it's an eight.
Speaker 4: Dollar nothing on nothing. Sorry, I'm taking eight dollar latte.
Speaker 2: Don't know where she's drinking.
Speaker 5: Not too shocking, I reckon.
Speaker 2: I spent on average like six seven dollars a yeah,
Speaker 2: not too far off for own non coffee drinking goal, which,
Speaker 2: by the way, suspiciously close, suspiciously close, and also like
Speaker 2: weird that you don't drink coffee. Maybe twenty twenty four
Speaker 2: be her year. Maybe maybe all these bad things keep
Speaker 2: happening to you because you don't drink coffee.
Speaker 3: That all right.
Speaker 2: We also said have you ever had to ask a
Speaker 2: friend to borrow money? Thirty four percent of you said yes,
Speaker 2: and sixty six percent of you said no.
Speaker 5: It's been nice.
Speaker 4: I feel like most people will have. I don't think
Speaker 4: they're asking to borrow money. Like I've definitely borrowed money
Speaker 4: off feet where I've been somewhere. It happened when we're oversea.
Speaker 4: I was like, my card's not working, and.
Speaker 2: I'm kind of funny.
Speaker 4: I already ordered the Starbucks, can you faine?
Speaker 2: It was kind of funny because she's so embarrassed and
Speaker 2: obviously I was like, yeah, like it's fine, but like
Speaker 2: it was the fumble at the register of her being
Speaker 2: like I only have my phone. Ah, I really had
Speaker 2: my phone?
Speaker 5: Yeah, no, dress, Well, nothing is more stressful.
Speaker 4: It is, and I feel like an incidental borrow of money.
Speaker 2: So let's be honest. It wasn't even a latte. It
Speaker 2: was like a strawberry Assaye refresher and I'll.
Speaker 4: Stand by I'm pretty sure. But that is I think,
Speaker 4: vastly different to habitual burrowing, which is what this person
Speaker 4: is doing. And it just sounds like she doesn't respect
Speaker 4: our listener, which is not.
Speaker 2: Friendship is built on respect, and right now, that's what
Speaker 2: is lacking in this friendship. So I do feel like
Speaker 2: your friend is taking advantage of that. And while it's
Speaker 2: not the easiest thing to say, I think you do
Speaker 2: need to go. Hey, Like, honestly, I just start off
Speaker 2: with the truth. Hey, I just really think that this
Speaker 2: has become quite habitual. Honestly, I don't know how to
Speaker 2: explain it to you, but I do feel a bit
Speaker 2: taken advantage of. Like I feel like, you know, the
Speaker 2: time we went out for dinner, you're not telling me
Speaker 2: in advance. It just puts me in a really tricky
Speaker 2: spot because it changes the rest of my week and
Speaker 2: I had to change my budget and I had to
Speaker 2: you know, just explaining it. I'm not saying that they
Speaker 2: deserve an explanation at the end of the day, no
Speaker 2: is no. But as a people pleasing girly, I want
Speaker 2: to explain to you why this is, you know, upsetting
Speaker 2: me or you know, not the right thing to do,
Speaker 2: And then how can I w with you to make
Speaker 2: sure that you're okay and I'm okay and we're all
Speaker 2: in a happy spot, Because I really don't want to
Speaker 2: lose this friendship. But like, if this just keeps happening,
Speaker 2: I'm going to end up really frustrated and then you know,
Speaker 2: I'm probably going to avoid your calls or something, and
Speaker 2: I don't want to get to that, so what can
Speaker 2: I do? And I feel like kindness in that circumstance
Speaker 2: because do you know what your friend probably hasn't even noticed. Yeah,
Speaker 2: they just expected you to be there.
Speaker 5: Yeah, so true.
Speaker 2: So let's talk about what the community said, because it's
Speaker 2: always the spicy stuff in the dms. So your response
Speaker 2: is when we said, what are your two cents, we're
Speaker 2: pretty wild. My friend from high school asked me to
Speaker 2: borrow fifteen thousand dollars for a house deposit. I obviously
Speaker 2: told her I didn't have any cash.
Speaker 5: I mean fair.
Speaker 4: That's crazy.
Speaker 5: That's a lot.
Speaker 4: That's like a whole different thing. Again, that's a different story.
Speaker 6: Yeah.
Speaker 2: Someone else said, I have a personal rule that I
Speaker 2: never lend money that I would be upset about not
Speaker 2: getting back. Yeah, that's all. That's like your Someone else said,
Speaker 2: you're not responsible for your friend. You need to set
Speaker 2: strong boundaries because that's how she's going to learn. Someone
Speaker 2: else said, how about in the future, just choosing to
Speaker 2: arrange free activities, so when they ask to go out
Speaker 2: for dinners, suggest to walk because they can't afford it anyway,
Speaker 2: and there will be no tricky conversation. Someone also said,
Speaker 2: just stay friends, but hang out at the park or
Speaker 2: free spaces byo snacks and drinks, and then say sorry,
Speaker 2: I don't have the cash. Next time they ask. Someone
Speaker 2: else said, if she's a real friend, she won't be
Speaker 2: offended if you say you're unable to help her financially.
Speaker 2: That could be a good way of pushing back, which
Speaker 2: I would agree. Like, you know, if it's a bit confrontational,
Speaker 2: you're like, I don't really want to tackle this. I
Speaker 2: would just go next time they ask to cash, be like,
Speaker 2: oh my god, yess, I would love to, but I
Speaker 2: actually don't have one hundred dollars cash. Sorry, And then
Speaker 2: if they say you do, just be like, look, I
Speaker 2: really don't like you know, heberbills have come up and
Speaker 2: rawr up, Because even if you do have that cash
Speaker 2: in the bank, it doesn't mean it is free. Like,
Speaker 2: it doesn't mean it's able to be lean out. It
Speaker 2: doesn't mean that you're okay with doing that. And saying well,
Speaker 2: I actually just don't have the cash to lend out
Speaker 2: at the moment doesn't mean that you're flat broke. It
Speaker 2: just means you don't have cash to lend out at
Speaker 2: the moment, and that is okay, totally. There's been a
Speaker 2: lot of people saying exactly what I say. So I'll
Speaker 2: end on this because I think we all want to
Speaker 2: get to bloops. But someone else said I would never
Speaker 2: give someone money and expect it back. It's now a
Speaker 2: gift to see it that way because it will never
Speaker 2: ruin your friendships, Amen, which I think is really important.
Speaker 2: I mean, obviously it's way better to pay back. Please
Speaker 2: pay it back. Don't just expect friends to lend out
Speaker 2: money and then it be free money. But I think
Speaker 2: having that mindset is going to keep your friendships intact.
Speaker 2: Do you have anything to add, guys, please please yes.
Speaker 2: Our producers Sam and Anna Lisa unfortunately record us when
Speaker 2: we don't think we're being recorded, and they don't dispose
Speaker 2: of footage that we think has been disposed of where
Speaker 2: we've messed up. And they have said that they have
Speaker 2: put together once again another Blue Briel for us to
Speaker 2: listen to. So how that we dive straight in. This
Speaker 2: will be the first time we are hearing it as
Speaker 2: you guys hear it, because they wouldn't let us hear
Speaker 2: it before to prepare our responses, which I think is
Speaker 2: quite rude to talk about it.
Speaker 6: It's been another year. If She's on the money. And
Speaker 6: while it's been a big one, you'll be happy to
Speaker 6: know that behind the scenes, a lot of things have
Speaker 6: stayed the same despite our best efforts. The girls keep getting.
Speaker 2: Gussie when it comes to the inn.
Speaker 4: I had that gurgle that was disgusting.
Speaker 2: I was just going to burb but like a deep
Speaker 2: burd Did you hear that? It was very sexy? Oh
Speaker 2: my god.
Speaker 6: And by girls we mean all the girls, even Victoria's
Speaker 6: dog Lucy.
Speaker 4: And so this outlawing of Lucy. Good god, did she fart?
Speaker 4: Oh sorry, that's really right? Good, Yeah, she's right there. God,
Speaker 4: I got her like a with and I was just
Speaker 4: like stopped working.
Speaker 6: We are, of course, led by Victoria, the pioneer of professionalism,
Speaker 6: who would never ever struggle with technology.
Speaker 2: Oh did I just press? Did I backspace?
Speaker 1: Ordered?
Speaker 8: I posted I like had my microphone on while I
Speaker 8: was like in thing, and it transcribed me into the
Speaker 8: comments section on our Money Wins thread And it started
Speaker 8: from Helloa malcom to She's on the money.
Speaker 6: Like Beck joined us this year, and she brought a
Speaker 6: new energy to the show, as well as new interpretations
Speaker 6: of legal boundaries.
Speaker 5: Actually, I don't know if this is legal, but if
Speaker 5: you take the step.
Speaker 2: I don't know if this is legal.
Speaker 4: I shouldn't. Perhaps I should not, yeah saying it if
Speaker 4: I don't know.
Speaker 6: We've had the normal fun with everyone's stumbles.
Speaker 2: Miss Jess, can you take us through our community money
Speaker 2: wins this week?
Speaker 5: Absolutely mousy?
Speaker 4: Yes? Deep?
Speaker 6: Or was she just stripped? She's the top.
Speaker 2: Of our company to the public. So we'll keep sixty
Speaker 2: percent of it. We're going to issue forty percent of
Speaker 2: it to the We're going to issue forty percent of
Speaker 2: it to the public. One is from Cassie, who is
Speaker 2: talking about rewards cards and kind of sorry, it's gotta get.
Speaker 1: You.
Speaker 6: Guys don't get to see how unhinged the girls can
Speaker 6: get if they have to do a whole day of recording.
Speaker 6: But well, I'll just let this speak for itself.
Speaker 2: Where's your energy? Where's your passion? More passion, more passion,
Speaker 2: more energy energy.
Speaker 6: It's truly been a big year, and we expect that
Speaker 6: parenthood for Victoria will surely only make things calmer than this.
Speaker 6: In twenty twenty.
Speaker 2: Four, here are Beck's top tips on creating your perfect portfolio.
Speaker 4: All right, so from.
Speaker 6: Some Harry Potters whisper shit, Now some of you may
Speaker 6: have noticed a new word made it into Victoria's vocabulary
Speaker 6: this year. Some have said the excessive use of the
Speaker 6: word sleigh was too much, but what you all didn't
Speaker 6: realize was that v was actually getting into the Christmas
Speaker 6: spirit early.
Speaker 9: Slight slap slack slave like slap, slate slap slap slap
Speaker 9: sleigh slave slave slife slap slafe sligh like slight, slay
Speaker 9: slafe like slay slay.
Speaker 6: His to another smart and very very silly year in
Speaker 6: twenty twenty four, which she's on the money.
Speaker 4: Well, that was slay my favorite episode we've done. Oh yeah, I.
Speaker 2: Love I'm always very impressed with commitment. Sam has to
Speaker 2: one saving those files because like you don't go back
Speaker 2: like I don't know, maybe he did go back through
Speaker 2: all of it, but not only saving them, but also
Speaker 2: like getting the right tone, like did you hear that
Speaker 2: sleigh and he puts.
Speaker 5: It into the right time.
Speaker 2: Yeah, that's what a good audio engineer does for you guys.
Speaker 5: That was not as scary as I thought it would be.
Speaker 2: I thought it'd be way more scary. But honestly, like
Speaker 2: even in that Sam couldn't use all of the illegal stuff.
Speaker 2: You keep suggesting on the show that's true, twenty twenty four,
Speaker 2: it would just be like beet beat beat beat, because
Speaker 2: like we'd just be like censoring out everything you say.
Speaker 5: I remember that for next year.
Speaker 2: Yeah, Beck's like okay, so yes, have you heard of
Speaker 2: the five finger discount?
Speaker 5: Yes, we have broad tips. He's steal everything.
Speaker 2: One out of ten. We will not not slip up again.
Speaker 2: But it has been a year. I am very grateful
Speaker 2: to have shared the podcast studio with the three of
Speaker 2: you this year. I feel like we have thrived. I
Speaker 2: feel like we have also survived. But I also just
Speaker 2: I'm so grateful, Like I just I love what we do.
Speaker 2: I cannot believe we are heading into our fifth year
Speaker 2: of podcasting next year, and we have so much planned
Speaker 2: for twenty twenty four, and I just I can't wait
Speaker 2: to share it. Like I kind of want to just
Speaker 2: like dump it on everyone all in January, but according
Speaker 2: to our marketing and our content people, that's not how
Speaker 2: it works.
Speaker 4: Damn.
Speaker 2: But no, have the most beautiful New year, guys. I
Speaker 2: cannot wait to see you bright and fresh and early
Speaker 2: come the new year. And don't forget subtle plug, we
Speaker 2: are running your best year yet online goal setting session
Speaker 2: with me, launching on the seventh of January. So if
Speaker 2: you're like still feeling a little bit stodgy, not sure,
Speaker 2: if you have a heap of motivation, I've got you.
Speaker 2: We're going to set goals together so that you two
Speaker 2: can have your best year yet, because I just I
Speaker 2: have a feeling about twenty twenty four. Guys, it's our year.
Speaker 5: Yeah, I got a good feeling. Got a good feeling.
Speaker 2: Well, enjoy the rest of the day, guys, because it
Speaker 2: is coming very close to the end of twenty twenty three,
Speaker 2: and we will see you fresh and early in twenty
Speaker 2: twenty four. Love you, and we'll see you around.
Speaker 5: Tapping you guys. Bye bye.
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