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

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Speaker 1: the Order KERNI Whoaltbury 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, She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money Podcast Millennials

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Speaker 2: who want financial freedom. Welcome back to another one of

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Speaker 2: our Money Diaries episodes where we get to talk to

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Speaker 2: one of our incredible She's on the Money community members

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Speaker 2: all about their money story. Let's jump straight into it

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Speaker 2: because this week I got an email and it sounded

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Speaker 2: exactly like this. Hi, Victoria, love the pod and that

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Speaker 2: She's on the Money team. Our story is very different

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Speaker 2: and represents how we have overcome obstacles. We are a

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Speaker 2: family of six who have primarily lived off one income

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Speaker 2: for twelve years. We've lived and worked in rural and

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Speaker 2: remote communities as teachers and principles. Our plan was to

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Speaker 2: save and get back to the city. By the time

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Speaker 2: our kids were in high school. We were getting ahead

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Speaker 2: while our expenses were low until our baby girl got

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Speaker 2: cancer at the age of three. This meant we had

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Speaker 2: to shift to a major city center at a second's

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Speaker 2: notice and never return to our then home. Now, after

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Speaker 2: not one but two cancer diagnoses, our daughter is cancer free,

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Speaker 2: smiling and thriving. Not only that, but we have just

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Speaker 2: bought our second house. I'm working, and we are teaching

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Speaker 2: our kids the value of investing and goal setting. Our

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Speaker 2: story is a complex one, but we believe that there

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Speaker 2: is a valuable message in never giving up and being

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Speaker 2: able to pivot the goalposts. We can't wait to share

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Speaker 2: it with the Shees on the Money Community Money Doris,

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Speaker 2: that is a roller coaster.

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Speaker 3: How are you? Oh goodness, I'm a big teary now

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Speaker 3: and that doesn't happen very often.

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Speaker 2: Oh we got you?

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Speaker 3: Good. Yeah, I'm not an emotional person. You are? You

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Speaker 3: are deep down? I got you. I got you.

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Speaker 2: But isn't it strange hearing back your money story and

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Speaker 2: being like, holy moly, like we are actually so impressive,

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Speaker 2: Like that's crazy.

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Speaker 3: Honestly, I said to my husband, I don't even remember

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Speaker 3: what I wrote in because there's so much to talk about. So, yeah,

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Speaker 3: that was really surreal.

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Speaker 2: Oh well, I'm glad it gives you a little bit

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Speaker 2: of a point of reflection. I cannot wait to hear

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Speaker 2: about your daughter. But before we get there, I want

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Speaker 2: to know what grade would you give your money how, Betsy,

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Speaker 2: If I asked you to give them a grade from

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Speaker 2: A through to.

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Speaker 3: F, my first instinct was a C plus.

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Speaker 2: You know me better than that.

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Speaker 3: Yeah, I feel like we're going to have to rejuggle

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Speaker 3: that a little bit.

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Speaker 2: That's okay, let's go with a C plus and we're

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Speaker 2: going to learn a bit about you and we can

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Speaker 2: talk about it at the end. Money, darrist, I need

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Speaker 2: to know a bit more. Can you tell me in

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Speaker 2: a bit more detail about your money story?

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Speaker 3: Yeah? Okay, So childhood, I don't have a whole lot

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Speaker 3: to say. We didn't talk a lot about money in

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Speaker 3: my household, and I knew little bit so I knew

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Speaker 3: my dad earned more, I knew we weren't well off.

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Speaker 3: I was constantly comparing myself to other families and what

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Speaker 3: they were doing. But we got by. We did all

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Speaker 3: the things. We had family holidays, so local beaches and things,

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Speaker 3: and then kind of in my teenage years, my parents

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Speaker 3: had breaking up on and off, so that was really tough,

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Speaker 3: and I guess things were juggled around a little bit more.

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Speaker 3: Things were never super dier either. They could put food

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Speaker 3: on the table. We were educated, so there's nothing drastic

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Speaker 3: there other than the couple of you know, family breakdowns.

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Speaker 3: But then when we got into our teenage years, I

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Speaker 3: started to realize that I needed to have a job

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Speaker 3: to kind of do the things that I wanted to do.

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Speaker 3: So by fourteen and nine months, I got my first

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Speaker 3: job and that's where I met my husband. Oh really

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Speaker 3: that young? Yes, very so special. Yeah. So I had

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Speaker 3: been working at Coals. He worked at Coals as well,

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Speaker 3: and then I was also working as an assistant at

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Speaker 3: my local dance studio which I danced at and got

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Speaker 3: all my lessons for free. So that was a burden.

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Speaker 2: Oh that's a money win.

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Speaker 3: Yeah. So that happened actually earlier, from about twelve, and

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Speaker 3: my parents didn't have to pay for my lessons anymore.

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Speaker 3: So that was a huge help because dancing is expensive.

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Speaker 2: Ah. Yes, as a dance child, it was a lot

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Speaker 2: and there were three of us. Oh my gosh, yes,

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Speaker 2: it was a lot. Mum and dad were probably like,

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Speaker 2: oh my gosh, thank you money diarist for taking one

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Speaker 2: for the team.

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Speaker 3: Exactly. So I did that and that actually got me

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Speaker 3: a job as well from eighteen. So I did start

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Speaker 3: teaching my own studios from that point. But even before

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Speaker 3: that happened, I actually got proposed to when I was seventeen,

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Speaker 3: so I was still in high school.

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Speaker 2: Oh my gosh, you just a baby.

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Speaker 3: Yes, so we were babies. My husband was three years older,

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Speaker 3: so he was nine. Oh he was twenty at the time. Actually,

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Speaker 3: oh big dog.

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Speaker 2: At that time. I feel like the age difference, it

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Speaker 2: feels a lot more different. Now you've probably two peas

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Speaker 2: in a pod. But at the time you were like, ooh,

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Speaker 2: this older boy is proposing to me.

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Speaker 3: Yeah, it's pretty wild that that happened.

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Speaker 2: Now, No, but seriously, I need to know what possesses

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Speaker 2: a twenty year old man to propose to someone in

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Speaker 2: high school.

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Speaker 3: What's he doing? In hindsight, I have no idea.

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Speaker 2: Yeah, I mean, I mean, he wasn't wrong like it

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Speaker 2: worked out, like when you know, you know, like, sir,

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Speaker 2: where's your brain at?

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Speaker 3: Yeah, and that was exactly where my dad's brain at.

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Speaker 3: Was that when he got sat down with this young

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Speaker 3: twenty year old for a coffee and was being asked

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Speaker 3: if he could marry his daughter.

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Speaker 2: I mean he did it properly. That's kind of cute.

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Speaker 2: My dad said, No, your dad's a smart man. I mean,

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Speaker 2: I'm not against it, but like, I just think, at seventeen,

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Speaker 2: you're still a baby, Like, there's so much life to

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Speaker 2: be had.

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Speaker 3: So what happened?

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Speaker 2: You didn't get married at seventeen.

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Speaker 3: We got engaged before graduation and we got married. I

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Speaker 3: was nineteen oh, so you had.

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Speaker 2: A bit of time between getting engaged and then getting married.

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Speaker 3: A little bit but still a baby. So yeah. Then

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Speaker 3: after I finished Grade twelve, my parents and my sisters

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Speaker 3: moved to Sydney. So at that point I was not

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Speaker 3: going with them because I was engaged and you know,

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Speaker 3: had my whole life planned out supposedly.

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Speaker 2: What did that look?

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Speaker 3: Like?

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Speaker 2: I have to ask, I really have to ask. So

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Speaker 2: when you're like I remember me at nineteen, I don't

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Speaker 2: trust nineteen year old Victoria like I do not like

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Speaker 2: I look at it and I just go other people

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Speaker 2: maybe much better than me. Me though, can't be trusted.

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Speaker 2: So you look back when you were planning things, was

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Speaker 2: it very I guess tunnel visioned, were you're like, no,

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Speaker 2: this is the life I want, this is how it's

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Speaker 2: going to be, and is that how has become or

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Speaker 2: has it completely shifted?

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Speaker 3: I think it then it was very tunnel vision. I

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Speaker 3: don't remember even considering going to Sydney. It was just

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Speaker 3: always I'm going to stay here, I'm going to go

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Speaker 3: to UNI, I'm going to keep working my jobs, and

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Speaker 3: I'm going to stay with my partner. And I don't

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Speaker 3: remember there being a lot of pushback on that, so

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Speaker 3: I guess my parents just went, yeah, Okay, that's the

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Speaker 3: way it's going to be. You can come visit. So yeah,

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Speaker 3: that's the way we went. I moved in with my

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Speaker 3: husband's parents and his family for a little while before

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Speaker 3: we got our own rental. He pretty much managed the

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Speaker 3: money from there. He's always had an Excel spreadsheet, and

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Speaker 3: from that point on our finances were joined, which I

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Speaker 3: feel then wasn't uncommon as partnerships. We just combined our

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Speaker 3: money and that was the normal as now we look

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Speaker 3: back and go, oh, I don't know if that was

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Speaker 3: kind of the best thing to do for our own

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Speaker 3: financial freedom. Separately, but in saying that we're still making

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Speaker 3: it work.

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Speaker 2: I was gonna say it's worked out. I mean in hinds,

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Speaker 2: hindsight's a beautiful thing, right, Like, I look back, I

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Speaker 2: wouldn't have gotten into forty thousand dollars worth of personal

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Speaker 2: debt by twenty two. That's nice. But at the same time,

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Speaker 2: I think we're just doing the best that we can

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Speaker 2: with the tools and resources that we have, and it

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Speaker 2: wasn't the worst decision. But at the same time, you're

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Speaker 2: kind of like, well, actually, if I was to give

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Speaker 2: someone else advice, I'd say, maybe have your own emergency fund,

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Speaker 2: maybe have your own debit cards. But like, I don't know,

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Speaker 2: you're young and in love. I totally get it.

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Speaker 3: Yeah, And that's what we did. We went for it,

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Speaker 3: and it has worked out, so that's good. My husband

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Speaker 3: finished UNI and he worked as a teacher, and we

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Speaker 3: made it. When things work, we got a rental, we

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Speaker 3: moved out, We spent a lot of savings on you know,

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Speaker 3: furniture and all of those things, and just lived paycheck

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Speaker 3: to paycheck working out life as a young couple. That

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Speaker 3: was until we got married and we were pregnant with

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Speaker 3: our first child. So I was nineteen, he was twenty two.

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Speaker 3: We weren't quite ready for that adventure, but that's the

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Speaker 3: adventure that we were put on.

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Speaker 2: Did you say you got pregnant and then married or

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Speaker 2: you got married and then pregnant straight away.

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Speaker 3: I was eleven weeks pregnant when I got married, so

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Speaker 3: we had found out just before the wedding.

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Speaker 2: Yeah, okay, but that's kind of cute. I mean, in hindsight,

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Speaker 2: terrifying because you were so young, but at the same time, like,

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Speaker 2: I'm such a baby person, so I would have just

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Speaker 2: been like whoo.

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Speaker 3: Yeah. Then because of money difficulties and just you know,

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Speaker 3: preparing for a child and not really knowing what we

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Speaker 3: were doing, my mom and my sisters had actually moved

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Speaker 3: back to our town at that point, and we decided

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Speaker 3: to move back into them because they had a downstairs

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Speaker 3: space that we could utilize.

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Speaker 2: And that is so good, especially because like babies are

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Speaker 2: so expensive, especially if you're not planning one, and then

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Speaker 2: suddenly you're like, okay, You're you're going to be a

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Speaker 2: family of three, Like that would have taken so much

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Speaker 2: pressure off, even just having extra sets of hands around.

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Speaker 3: And that was it. The night we brought our first

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Speaker 3: child home, he was crying, he wasn't feeding well, and

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Speaker 3: kind of Mum was just there to be like, he's fine,

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Speaker 3: he's had some milk, it's okay. So yeah, it was

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Speaker 3: good to have the reassurance in all of those things

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Speaker 3: as a first time mum too, because.

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Speaker 2: You just don't know what.

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Speaker 3: You don't know, no, and whether you're nineteen or forty

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Speaker 3: two having your first child, you just don't know.

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Speaker 2: Or thirty three and me, I had literally no clue.

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Speaker 2: And like, don't get me wrong, I adore babies. I've

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Speaker 2: always been somebody that looks at babies and go, that's

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Speaker 2: so nice, like one day, but the second you bring

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Speaker 2: them home and they're yours, I'm like, how did you

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Speaker 2: let me out of the hospital without a license?

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Speaker 3: Exactly? Yeah, what do you mean?

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Speaker 2: I'm just expected to care for this child and know

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Speaker 2: what it needs?

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Speaker 3: Like, oh, I know, definitely need a license. You need

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Speaker 3: a license for a lot of things in this world,

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Speaker 3: but being a parent is not one of them.

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Speaker 2: Exactly. So moved in with my and then what happened.

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Speaker 2: You've got a newborn.

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Speaker 3: We have a newborn. I keep working as a dance teacher.

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Speaker 3: So within two weeks I was back teaching.

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Speaker 2: Sorry what you were teaching dance? Two weeks Postpardem.

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Speaker 3: Yeah, we didn't have a lot of choice in that regard.

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Speaker 3: We just got back to it and I was very

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Speaker 3: calm and collected and took the baby with me and

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Speaker 3: my husband would pick him up from class and that worked.

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Speaker 3: And I've actually done that with two of my four children.

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Speaker 2: But you also loved it, So like two weeks postpardem,

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Speaker 2: as long as you're not doing anything too strenuous, like

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Speaker 2: I'm sure I won't say it's okay, it's okay for you,

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Speaker 2: and I mean, don't get me wrong, pot calling the

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Speaker 2: kettle black. I went back to work so quickly, but

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Speaker 2: it's yeah, individual.

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Speaker 3: That's right. So yeah, we did that for a while.

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Speaker 3: Life was pretty good. My husband was working as a teacher,

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Speaker 3: finances were stable. Then he gets offered a permanent position,

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Speaker 3: but not in our local town. We had to move

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Speaker 3: to a regional town in quinn Land for that opportunity,

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Speaker 3: and we had to enter the rental market again and

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Speaker 3: just you know, there were extra expenses with doing all

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Speaker 3: of that. I was jobless because I had to leave

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Speaker 3: my jobs. So we knew we were going to do

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Speaker 3: it. It was just how we were going to make it work.

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Speaker 2: And what drove that? So like, obviously that sounds like

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Speaker 2: a really good opportunity for him, but going from having

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Speaker 2: him working and you working and all of that support

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Speaker 2: was the driver furthering his career or was it, you know,

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Speaker 2: an income that was much higher than both of your

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Speaker 2: incomes were combined, Like what made you go, this is

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Speaker 2: actually the best thing for our family.

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Speaker 3: It was the permanency with the department that was the

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Speaker 3: driving factor in teaching. And I feel like it's changed

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Speaker 3: a little bit now, But back then it was always

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Speaker 3: that you should do your country service as a teacher,

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Speaker 3: and he hadn't had permanency in our city yet, so

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Speaker 3: he was going from con to contract, doing a year here,

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Speaker 3: six months there. So it was the permanency. He knew

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Speaker 3: he would do his three years country service and then

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Speaker 3: get back to our main city. However, when we got there,

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Speaker 3: his school that he was placed at was very challenging.

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Speaker 2: No, and you've just taken all of these risks and

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Speaker 2: then it's not good.

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Speaker 3: Yeah, and he could handle the classroom. It was more

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Speaker 3: that there was no support from the admin staff or

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Speaker 3: the community as such either, so he was in a

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Speaker 3: hard place, not enjoying his job. I had two children

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Speaker 3: by that point, so I was at home, but also

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Speaker 3: starting off in a new dance studio that opened up

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Speaker 3: up there, So I didn't really feel like I noticed

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Speaker 3: how his mental health was because I was so busy

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Speaker 3: with the household stuff.

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Speaker 2: Yeah, one hundred percent, and you're just trying to keep

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Speaker 2: it all together. But then also you've probably got in general,

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Speaker 2: a stressed husband, coming home, working late, doing all of that.

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Speaker 2: It's very hard to keep everything in check.

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Speaker 3: Yeah, and coming home and wanting to spend time with

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Speaker 3: the boys and his family and you know, trying to

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Speaker 3: fit as much in as possible. So he decided that

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Speaker 3: he was going to try to become a principal instead

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Speaker 3: of a teacher. So he did a couple of courses

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Speaker 3: to make that happen and ended up getting posted very

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Speaker 3: quickly out to very remote Queensland. So we were kind

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Speaker 3: of between long Reach and the Northern Territory border, so

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Speaker 3: it was two hours to get to long Reach, and

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Speaker 3: I did that weekly just to go to playgroup.

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Speaker 2: Two hours for playgroup.

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Speaker 3: For a playgroup. Yes. However, expenses were low, so we

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Speaker 3: paid thirty six dollars a fortnight for a small two

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Speaker 3: bedroom Donna type accommodation.

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Speaker 2: Thirty six dollars a fortnight. All right, I'm sorry, Sorry,

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Speaker 2: it's sounding much better now.

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Speaker 3: Yes. It was a town of twenty people when we

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Speaker 3: moved in, so it was very very tiny. The school

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Speaker 3: had five children total from prep to grade six.

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Speaker 2: Yeah. Wow, that's not even one kid per class.

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Speaker 3: No, so it was very small, but it was eye opening.

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Speaker 3: It was something that not a lot of people in

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Speaker 3: Australia get to do, so we're very grateful to have

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Speaker 3: had that opportunity when we did, so it was amazing.

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Speaker 3: And then from there we moved to a small town

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Speaker 3: between Rocky and Mackay. So we spent three years there

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Speaker 3: and our rent was still very cheap, which was lovely.

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Speaker 3: We had a nice house, but it was still an

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Speaker 3: hour and a half drive to get my son to

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Speaker 3: KINDI that year, so we did that five days a

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Speaker 3: fortnite and people go, oh, my goodness, you were crazy.

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Speaker 3: Why would you do that drive. But at the time

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Speaker 3: my son had speech delays and we felt that it

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Speaker 3: was important to get him socialized.

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Speaker 2: One hundred percent. And also, like your values are overlaying

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Speaker 2: with everything else. Like I feel like for some people

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Speaker 2: they say, oh, an hour and a half, that's unhinged.

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Speaker 3: But then on the.

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Speaker 2: Flip side, there are people that I know that drive

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Speaker 2: an hour and a half every morning to go to

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Speaker 2: their nine to five job. And they do that every

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Speaker 2: morning and every night, so they're in the car at

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Speaker 2: least three out like because not because they have to,

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Speaker 2: because they want to live in a certain location and

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Speaker 2: then drive to work. Like, we all just make a

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Speaker 2: decision that's right for us, Like, it doesn't mean it's wrong.

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Speaker 2: It just means that some people might not want to

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Speaker 2: do that, And that's cool if it's not for you,

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Speaker 2: But I'm glad it worked out for you guys.

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Speaker 3: So yeah, they were financial benefits of doing that as well.

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Speaker 3: So there was a race payment for living in a

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Speaker 3: remote area, and that meant that twice a year we

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Speaker 3: got like a couple of thousand dollars kind of like

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Speaker 3: a bonus, I guess, and it was per person, so

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Speaker 3: my husband and I would get let's say a thousand dollars,

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Speaker 3: and then for each child you might get five hundred

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Speaker 3: and yeah. It was just a really nice community as well,

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Speaker 3: so we really enjoyed our time there. But coming up

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Speaker 3: to three years, my husband felt like he was ready

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Speaker 3: for a chain, so we did move to a larger

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Speaker 3: school where he was a teaching principal as well, and

349
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Speaker 3: then eventually got to it open up a new high school,

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Speaker 3: which was very cool. He got on really well with

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Speaker 3: the staff at that school and they opened up. They

352
00:17:14,960 --> 00:17:18,399
Speaker 3: had two grades to start with, and really felt like

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Speaker 3: we were going to stay there for a long time

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Speaker 3: until our kids started high school, which was really lovely.

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Speaker 3: Our kids. We had three children by that point, fourth

356
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Speaker 3: on the way.

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Speaker 2: Oh my gosh. Four babies.

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Speaker 3: Four babies, yes, yeah, so it's a pretty crazy life.

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Speaker 2: No, I love it. I love it.

360
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Speaker 3: We love it.

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Speaker 2: I've only got one, but I'm already like, so can

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Speaker 2: we have more?

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Speaker 3: Yeah? Yeah, more babies. We love babies.

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Speaker 2: I think it's so crazy because so many people are like,

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Speaker 2: are you.

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Speaker 3: One and done?

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Speaker 2: I'm like, oh no, I'm one and more. Like this

368
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Speaker 2: has just told me that I need more of these

369
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Speaker 2: so bad.

370
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Speaker 3: So special.

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Speaker 2: So you had three babies and you're pregnant.

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Speaker 3: Yes, my last one came in a bit of a hurry.

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Speaker 3: We did go into the hospital. I went by myself

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Speaker 3: with my two children who weren't yet at school. Then

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Speaker 3: they said, no, you're not going anywhere.

376
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Speaker 2: You have to stay, but I have two toddlers following

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Speaker 2: me around.

378
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Speaker 3: Yeah, so I think after school, my husband came to

379
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Speaker 3: pick up the two toddlers and then we had a

380
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Speaker 3: baby like the next day, which was wild. We had

381
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Speaker 3: to get people who I didn't know very well to

382
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Speaker 3: look after the other children at our house.

383
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Speaker 2: Oh yeah, that would have been a bit stressful, you

384
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Speaker 2: would have been. I just want to go home. I

385
00:18:28,000 --> 00:18:30,359
Speaker 2: just want all my babies under one roof, and I

386
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Speaker 2: want to look after them, thank you.

387
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Speaker 3: Yeah, And we were just trying to figure out our

388
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Speaker 3: finances and how that was all going to look. I

389
00:18:36,880 --> 00:18:39,800
Speaker 3: actually got back to work that year, and I came

390
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Speaker 3: back as a relief teacher.

391
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Speaker 2: Sorry, four babies and she's back at work.

392
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Speaker 3: Yeah. So I put my littlest one in daycare and

393
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Speaker 3: my third child was in like a pre Kindy class

394
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Speaker 3: at that point, so she was going to do two

395
00:18:53,200 --> 00:18:56,000
Speaker 3: years at Kindy. So life was getting back on track,

396
00:18:56,160 --> 00:18:58,520
Speaker 3: was becoming more normal. I was getting some adult time

397
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Speaker 3: at my job.

398
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Speaker 2: I need you've gotten to the point where you're like,

399
00:19:02,200 --> 00:19:05,120
Speaker 2: four kids, I think we're done. So we're through that

400
00:19:05,200 --> 00:19:08,320
Speaker 2: like baby phase or was this like you're just not sure?

401
00:19:08,440 --> 00:19:10,520
Speaker 2: Like I feel like there's a mental shift with people

402
00:19:10,560 --> 00:19:12,760
Speaker 2: when they're like, no, we're now done having babies, so

403
00:19:12,800 --> 00:19:16,480
Speaker 2: you kind of like can go a little bit mentally,

404
00:19:16,880 --> 00:19:17,919
Speaker 2: you get a bit more space.

405
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Speaker 3: That's right. Yeah, and we were definitely at that point.

406
00:19:20,680 --> 00:19:24,000
Speaker 3: My husband was definitely done. And yeah, we knew we

407
00:19:24,040 --> 00:19:26,600
Speaker 3: wanted four from the very beginning, so we're like, nope, four,

408
00:19:26,840 --> 00:19:29,480
Speaker 3: that's it. And we didn't have an easy journey either.

409
00:19:29,560 --> 00:19:33,560
Speaker 3: We did have a few miscarriages amongst the four, so

410
00:19:33,600 --> 00:19:36,240
Speaker 3: it was in no way, you know, an easy journey,

411
00:19:36,280 --> 00:19:39,320
Speaker 3: and people you know, often said why, like you've got

412
00:19:39,600 --> 00:19:41,600
Speaker 3: two beautiful babies or three beautiful babies.

413
00:19:41,760 --> 00:19:44,400
Speaker 2: Literally get in the bin. Like I hate when people

414
00:19:44,840 --> 00:19:47,560
Speaker 2: just don't justify it. It's a it's a really shitty

415
00:19:47,600 --> 00:19:50,880
Speaker 2: thing that happens. I don't want to hear be grateful

416
00:19:50,880 --> 00:19:53,159
Speaker 2: for what you've already got. Like, I totally get that,

417
00:19:53,240 --> 00:19:56,120
Speaker 2: and I totally understand the flip side that there are

418
00:19:56,280 --> 00:19:58,879
Speaker 2: people out there who have it worse. I get that,

419
00:19:59,040 --> 00:20:01,800
Speaker 2: but that does not take away from the fact that

420
00:20:01,880 --> 00:20:04,400
Speaker 2: the thing I'm experiencing is challenging for me.

421
00:20:04,840 --> 00:20:07,720
Speaker 3: Like, oh yeah, and it's more talked about now, which

422
00:20:07,760 --> 00:20:11,479
Speaker 3: is amazing. So yeah, I'm really grateful that people are

423
00:20:11,520 --> 00:20:13,399
Speaker 3: able to talk about I'm grateful that I'm able to

424
00:20:13,920 --> 00:20:15,920
Speaker 3: open up to other people and say, oh, that actually

425
00:20:15,960 --> 00:20:17,560
Speaker 3: happened to me. But I just didn't talk about it

426
00:20:17,600 --> 00:20:20,920
Speaker 3: at that stage because it wasn't as spoken about even

427
00:20:21,280 --> 00:20:22,359
Speaker 3: five years ago.

428
00:20:22,400 --> 00:20:25,399
Speaker 2: One hundred percent. And it's like this shitty club that

429
00:20:25,440 --> 00:20:26,879
Speaker 2: no one wants to be a part of. But then

430
00:20:26,920 --> 00:20:30,159
Speaker 2: when it happens to you, you say, oh my gosh, Like,

431
00:20:30,280 --> 00:20:32,639
Speaker 2: maybe you didn't talk about it personally, but you've probably

432
00:20:32,680 --> 00:20:35,480
Speaker 2: noticed that if somebody else mentions it to you, you go, oh, yeah,

433
00:20:35,480 --> 00:20:38,639
Speaker 2: that happened to me. They go, wait, what, Like you

434
00:20:38,760 --> 00:20:42,200
Speaker 2: just don't realize how many people in your community are

435
00:20:42,200 --> 00:20:44,439
Speaker 2: going through the same things. It's why we have to

436
00:20:44,440 --> 00:20:46,560
Speaker 2: talk about it more often, because when I was going

437
00:20:46,600 --> 00:20:49,479
Speaker 2: through that, I felt so alone, had no idea that

438
00:20:49,560 --> 00:20:52,560
Speaker 2: it was so common. But when I started talking about it,

439
00:20:52,600 --> 00:20:54,439
Speaker 2: people are like, yeah, me too. I was like, sorry,

440
00:20:54,440 --> 00:20:57,879
Speaker 2: what people in my literal family that I had no

441
00:20:58,040 --> 00:21:00,520
Speaker 2: idea had been through exactly the same thing.

442
00:21:00,280 --> 00:21:03,600
Speaker 3: Because it's so common too, and yeah, it's just not

443
00:21:03,680 --> 00:21:07,320
Speaker 3: spoken about enough. But we're starting to shift, which is

444
00:21:07,600 --> 00:21:09,760
Speaker 3: very good. So yeah, things were getting back on track

445
00:21:10,160 --> 00:21:13,479
Speaker 3: and we felt like we were able to well, we

446
00:21:13,520 --> 00:21:15,560
Speaker 3: had been saving. I'm not going to say we weren't saving.

447
00:21:15,560 --> 00:21:19,360
Speaker 3: We were always The plan was always to save while

448
00:21:19,359 --> 00:21:23,439
Speaker 3: we were living more cheaply in rural Queensland, and then

449
00:21:23,760 --> 00:21:26,280
Speaker 3: by twenty twenty four we were planning to move back

450
00:21:26,320 --> 00:21:29,040
Speaker 3: to our major city to put our kids through high

451
00:21:29,080 --> 00:21:32,760
Speaker 3: school and give them the most opportunities with sport and

452
00:21:32,880 --> 00:21:36,720
Speaker 3: recreation activities and friendship groups and being back home to

453
00:21:36,760 --> 00:21:39,600
Speaker 3: where our family were as well was really important. Yeah.

454
00:21:39,640 --> 00:21:42,639
Speaker 2: Absolutely, and kids once they get to teenage years, like

455
00:21:42,760 --> 00:21:44,800
Speaker 2: being rural would be so challenging.

456
00:21:45,080 --> 00:21:47,880
Speaker 3: Yeah. Yeah, and we really wanted to be back where

457
00:21:47,880 --> 00:21:50,040
Speaker 3: we knew, maybe even send our kids to the same

458
00:21:50,080 --> 00:21:53,560
Speaker 3: school that we went to because we did have good experiences.

459
00:21:53,680 --> 00:21:57,119
Speaker 3: They were so cute. Yeah, So that was always the plan.

460
00:21:57,320 --> 00:22:00,920
Speaker 3: So we could see our savings increase and we could

461
00:22:00,920 --> 00:22:05,320
Speaker 3: see what was going on. Until my daughter was diagnosed

462
00:22:05,320 --> 00:22:08,879
Speaker 3: with cancer and it was a soft tissued cancer that

463
00:22:08,960 --> 00:22:13,080
Speaker 3: grew behind her right eye. It was very aggressive and

464
00:22:13,119 --> 00:22:14,919
Speaker 3: fast growing, so they had to get on top of

465
00:22:14,960 --> 00:22:19,639
Speaker 3: it really quickly, and she started chemo by the Saturday

466
00:22:19,680 --> 00:22:22,639
Speaker 3: that week, oh my god. Yeah, and had a couple

467
00:22:22,680 --> 00:22:26,760
Speaker 3: of other general anesthetics between the Wednesday and the Saturday,

468
00:22:27,720 --> 00:22:30,160
Speaker 3: so that was really stressful. We lived in a hospital

469
00:22:30,200 --> 00:22:32,040
Speaker 3: for that week. I actually thought we were going to

470
00:22:32,119 --> 00:22:35,040
Speaker 3: stay in the hospital for the full kind of nine

471
00:22:35,040 --> 00:22:37,040
Speaker 3: to twelve months that they told us we would be

472
00:22:37,280 --> 00:22:39,880
Speaker 3: stuck there because I didn't know. I didn't know what,

473
00:22:40,160 --> 00:22:43,800
Speaker 3: you know, a cancer diagnosis looked like. So that's when

474
00:22:43,840 --> 00:22:48,560
Speaker 3: our world really turned upside down. My husband immediately went

475
00:22:48,560 --> 00:22:53,280
Speaker 3: into logistics because he was still in Regional Queensland working

476
00:22:53,520 --> 00:22:55,840
Speaker 3: sending our older boys to school. So it was a

477
00:22:55,880 --> 00:23:01,560
Speaker 3: really really terrifying time health wise, but so logistically yeah,

478
00:23:01,600 --> 00:23:06,880
Speaker 3: of course we ended up having to stay in Brisbane

479
00:23:07,119 --> 00:23:10,680
Speaker 3: for the duration of that cancer treatment. She was given

480
00:23:10,760 --> 00:23:15,879
Speaker 3: six months of chemo and radiation and in that time

481
00:23:16,840 --> 00:23:18,280
Speaker 3: our savings took a big hit.

482
00:23:18,400 --> 00:23:20,840
Speaker 2: Of course they did. Even just like all the small

483
00:23:20,880 --> 00:23:24,480
Speaker 2: things like parking and buying food at the hospital that's

484
00:23:24,520 --> 00:23:28,520
Speaker 2: overpriced because hospital food is trash and few and far between,

485
00:23:28,720 --> 00:23:31,720
Speaker 2: Like all of those things just add up so quickly

486
00:23:31,840 --> 00:23:34,359
Speaker 2: that you would feel buried almost.

487
00:23:34,680 --> 00:23:37,159
Speaker 3: Yeah, So it was very much felt like that, and

488
00:23:37,200 --> 00:23:40,080
Speaker 3: we were very lucky in the way that people would

489
00:23:40,119 --> 00:23:42,880
Speaker 3: help out. They would help out by having my youngest child,

490
00:23:42,920 --> 00:23:47,480
Speaker 3: which was huge help, and they would send uber eats

491
00:23:47,520 --> 00:23:51,160
Speaker 3: vouchers or you know, things like that, and we actually

492
00:23:51,240 --> 00:23:53,119
Speaker 3: did stay in a charity house.

493
00:23:53,359 --> 00:23:55,800
Speaker 2: That's actually such a good present on the side, like

494
00:23:55,880 --> 00:23:58,240
Speaker 2: if anyone's going through that, they're in the hospital, like

495
00:23:58,320 --> 00:24:01,240
Speaker 2: you send them er eats vouchers, Like, don't bring them food,

496
00:24:01,320 --> 00:24:03,400
Speaker 2: give them an umer eats voucher so they can order

497
00:24:03,440 --> 00:24:05,320
Speaker 2: what they want, when they want, and how they want

498
00:24:05,359 --> 00:24:07,080
Speaker 2: to do it. Iconic recommendation.

499
00:24:07,280 --> 00:24:09,240
Speaker 3: That's till we tell people now, Yeah, one.

500
00:24:09,200 --> 00:24:12,280
Speaker 2: Hundred percent, So tell me you stayed in a charity house.

501
00:24:12,320 --> 00:24:16,160
Speaker 3: We did, Yes, So we lived in a charity called

502
00:24:16,280 --> 00:24:20,600
Speaker 3: Childhood Cancer Support and they offered housing free of charge

503
00:24:21,160 --> 00:24:23,399
Speaker 3: to any family who have a child going through a

504
00:24:23,440 --> 00:24:27,880
Speaker 3: cancer diagnosis. So we were very very lucky that we

505
00:24:27,880 --> 00:24:31,679
Speaker 3: were in a small apartment, but got moved to a

506
00:24:31,800 --> 00:24:34,639
Speaker 3: house very very quickly in our stay because we are

507
00:24:34,680 --> 00:24:35,479
Speaker 3: a larger family.

508
00:24:35,560 --> 00:24:39,199
Speaker 2: Yeah, one hundred percent. Even just finding accommodation that's appropriate

509
00:24:39,240 --> 00:24:40,320
Speaker 2: would have been challenging.

510
00:24:40,440 --> 00:24:42,639
Speaker 3: And there was the option of us splitting up so

511
00:24:42,720 --> 00:24:45,879
Speaker 3: that my husband would stay in our home up north

512
00:24:45,920 --> 00:24:48,320
Speaker 3: and my daughter and I would stayed Dowt in Brisbane,

513
00:24:48,880 --> 00:24:50,720
Speaker 3: but it just wasn't an option. We were told by

514
00:24:50,800 --> 00:24:52,920
Speaker 3: medical staff that you want to all be together because

515
00:24:52,920 --> 00:24:54,600
Speaker 3: it is going to be a challenging road. So we

516
00:24:54,680 --> 00:24:56,760
Speaker 3: did decide to do that. We stayed in the charity house.

517
00:24:57,200 --> 00:25:00,439
Speaker 3: We live very cheaply on the side of the hospital life,

518
00:25:00,560 --> 00:25:04,520
Speaker 3: even though things were very expensive, but it did mean

519
00:25:04,560 --> 00:25:08,840
Speaker 3: that my husband could continue working and hopefully be able

520
00:25:08,880 --> 00:25:10,960
Speaker 3: to save a little bit on the side as well,

521
00:25:11,359 --> 00:25:14,320
Speaker 3: just to keep our goals kind of ticking along, even

522
00:25:14,440 --> 00:25:17,399
Speaker 3: just a little bit, so that will happen. That was

523
00:25:17,400 --> 00:25:20,919
Speaker 3: six months. My daughter did really well through treatment. I

524
00:25:20,960 --> 00:25:22,680
Speaker 3: say that and I'm like, oh, did she do well?

525
00:25:22,720 --> 00:25:25,480
Speaker 3: But she did. She was as healthy as what a

526
00:25:25,640 --> 00:25:27,480
Speaker 3: cancer patient could be.

527
00:25:27,640 --> 00:25:28,680
Speaker 2: But did you do well?

528
00:25:28,760 --> 00:25:29,280
Speaker 3: How were you?

529
00:25:29,640 --> 00:25:32,520
Speaker 2: Because like, she's going through this and like not to

530
00:25:32,560 --> 00:25:35,000
Speaker 2: minimize it at all, but kids don't know what's going on.

531
00:25:35,400 --> 00:25:37,360
Speaker 2: They just look to their parent and go if you're

532
00:25:37,359 --> 00:25:39,280
Speaker 2: okay with this, I guess I'm okay with this, Like

533
00:25:39,359 --> 00:25:41,639
Speaker 2: what's going on? And so you're trying to be like

534
00:25:41,680 --> 00:25:44,440
Speaker 2: the rock of this family for this child and three

535
00:25:44,480 --> 00:25:47,680
Speaker 2: other children and your husband. How did you deal with that?

536
00:25:47,800 --> 00:25:50,640
Speaker 3: I think she was the rock really. I think because

537
00:25:50,680 --> 00:25:53,480
Speaker 3: she was so smiley, she was so happy. She just

538
00:25:54,040 --> 00:25:56,960
Speaker 3: did not really stop. It really made it hard for

539
00:25:57,080 --> 00:26:01,160
Speaker 3: us to kind of be completely broken.

540
00:26:01,320 --> 00:26:03,280
Speaker 2: She's just like, what's up, guys, It's all good, Like

541
00:26:03,320 --> 00:26:04,719
Speaker 2: it's all good. Are we just going to do this?

542
00:26:04,800 --> 00:26:06,200
Speaker 2: And then do you think that we could play?

543
00:26:06,480 --> 00:26:08,600
Speaker 3: Yeah? And for a three year old, she didn't know

544
00:26:08,640 --> 00:26:12,480
Speaker 3: any different. Like even now, she still thinks that her

545
00:26:12,480 --> 00:26:15,400
Speaker 3: hospital life is normal. That everybody does that. Everybody does that.

546
00:26:15,400 --> 00:26:18,040
Speaker 3: That's three. They just spend six months of their life

547
00:26:18,080 --> 00:26:21,640
Speaker 3: in the hospital getting all my honey chemo pumped into

548
00:26:21,640 --> 00:26:25,359
Speaker 3: you and vomiting and you know, doing all the awful things.

549
00:26:26,000 --> 00:26:28,840
Speaker 3: That's a whole other podcast. There's lots of things. But overall,

550
00:26:29,200 --> 00:26:33,000
Speaker 3: she did okay, and she finished up six months later

551
00:26:33,320 --> 00:26:36,520
Speaker 3: and we had a beautiful Christmas together. We were able

552
00:26:36,560 --> 00:26:40,080
Speaker 3: to leave the bubble. So the bubble you have to

553
00:26:40,119 --> 00:26:42,840
Speaker 3: stay within half an hour of the hospital that you're

554
00:26:42,880 --> 00:26:45,840
Speaker 3: at while you're on cancer treatment because if things go wrong,

555
00:26:45,880 --> 00:26:48,440
Speaker 3: they need to be able to get antibiotics into you

556
00:26:48,600 --> 00:26:51,040
Speaker 3: very very quickly. So we actually did do a trip

557
00:26:51,160 --> 00:26:53,720
Speaker 3: up to where we moved from.

558
00:26:54,000 --> 00:26:55,240
Speaker 2: That would have been so nice.

559
00:26:55,480 --> 00:26:58,320
Speaker 3: Yeah. So it was really really nice to see everybody

560
00:26:58,480 --> 00:27:01,040
Speaker 3: and for her to see her Kindey friend and things

561
00:27:01,080 --> 00:27:03,480
Speaker 3: like that. And she started KINDI in the new year

562
00:27:04,359 --> 00:27:06,800
Speaker 3: and made some new friends and everything was going really

563
00:27:06,800 --> 00:27:11,640
Speaker 3: well until again about May, things started changing again and

564
00:27:11,800 --> 00:27:15,680
Speaker 3: everyone told me, you're seeing things I don't. I'm not

565
00:27:16,000 --> 00:27:18,639
Speaker 3: seeing what you're seeing. I think it's okay? Was this

566
00:27:18,720 --> 00:27:22,639
Speaker 3: medical professionals? I did go she got hands, foot in mouth,

567
00:27:23,600 --> 00:27:26,440
Speaker 3: and I presented to the ed with her and I said,

568
00:27:27,040 --> 00:27:30,199
Speaker 3: look at her. I right eye doesn't always match up

569
00:27:30,240 --> 00:27:32,560
Speaker 3: to her left. It kind of looks off to another

570
00:27:32,600 --> 00:27:34,800
Speaker 3: direction a little bit. It was a major I understand that.

571
00:27:35,160 --> 00:27:37,440
Speaker 3: And he said, nope, it's aalk good. I've checked her eyes.

572
00:27:37,480 --> 00:27:39,639
Speaker 3: It's talk good. Then the next week she had a

573
00:27:39,680 --> 00:27:43,280
Speaker 3: doctor's appointment with her ophthalmologist, her normal ophthomologist, who we love,

574
00:27:44,000 --> 00:27:45,640
Speaker 3: and she said, oh, no, we can fix that. We'll

575
00:27:45,640 --> 00:27:49,320
Speaker 3: fix that with surgery later. All good. The scams came back, okay.

576
00:27:49,080 --> 00:27:51,800
Speaker 2: Okay, but I still feel like something's off.

577
00:27:52,080 --> 00:27:56,919
Speaker 3: Yeah, So I rang out oncologist and she was already

578
00:27:57,040 --> 00:28:01,600
Speaker 3: due for her three monthly scams, so he said, let's

579
00:28:01,600 --> 00:28:04,240
Speaker 3: bring the scans forward. It ended up being about a

580
00:28:04,240 --> 00:28:07,439
Speaker 3: week early, and he gave me every reason under the

581
00:28:07,440 --> 00:28:10,240
Speaker 3: sun why it would not be the cancer. It was

582
00:28:10,359 --> 00:28:13,120
Speaker 3: fluid sitting behind the eye. It had been caused by

583
00:28:13,680 --> 00:28:16,520
Speaker 3: the radiation that she'd received, because she had received twenty

584
00:28:16,520 --> 00:28:18,800
Speaker 3: eight rounds of radiation, which is quite a lot for

585
00:28:18,840 --> 00:28:21,760
Speaker 3: a little body. She could have a virus, she could

586
00:28:21,800 --> 00:28:24,679
Speaker 3: have any number of things, not cancer though, But no,

587
00:28:25,040 --> 00:28:28,640
Speaker 3: it was again a Monday night and it was back.

588
00:28:28,680 --> 00:28:32,119
Speaker 3: It was the same size that it was no a

589
00:28:32,200 --> 00:28:36,000
Speaker 3: year before, and yeah, we were thrown back into it,

590
00:28:36,040 --> 00:28:38,840
Speaker 3: and I could tell people were panicked. The oncologist is

591
00:28:38,920 --> 00:28:40,560
Speaker 3: usually very calm, very.

592
00:28:40,560 --> 00:28:43,360
Speaker 2: Collected, so ye, it's their job, right, like as much

593
00:28:43,400 --> 00:28:45,520
Speaker 2: as it's stressful, Like they know how to deal with this.

594
00:28:46,000 --> 00:28:48,200
Speaker 3: And he was a bit more scattered. He was throwing

595
00:28:48,240 --> 00:28:51,800
Speaker 3: words out there. He was like chemo, radiation, surgery, he

596
00:28:51,880 --> 00:28:53,600
Speaker 3: was throwing out all the options, and I was like,

597
00:28:53,640 --> 00:28:57,400
Speaker 3: I don't know what you're talking about. So she ended

598
00:28:57,480 --> 00:29:01,280
Speaker 3: up having more scans done that week. We saw the

599
00:29:01,320 --> 00:29:05,720
Speaker 3: surgical team later on and they told us that we

600
00:29:05,760 --> 00:29:09,240
Speaker 3: would have to remove her right eye to remove the cancer.

601
00:29:10,240 --> 00:29:14,360
Speaker 3: So we were thrown very quickly back into the whirlwind

602
00:29:14,880 --> 00:29:18,680
Speaker 3: of me not being able to work, not having somewhere

603
00:29:19,680 --> 00:29:23,360
Speaker 3: to live because now the charity wasn't an option because

604
00:29:23,400 --> 00:29:27,560
Speaker 3: we decided to stay in Brisbane, so we had to

605
00:29:27,760 --> 00:29:30,040
Speaker 3: try to come up with the rent while only being

606
00:29:30,040 --> 00:29:34,520
Speaker 3: on one income again. And we could just see that,

607
00:29:34,800 --> 00:29:37,000
Speaker 3: you know, again, our goals were going backwards and backwards

608
00:29:37,000 --> 00:29:40,600
Speaker 3: and backwards, which was really hard. We kept doing what

609
00:29:40,600 --> 00:29:43,640
Speaker 3: we were doing. I tried to work in between cycles

610
00:29:43,680 --> 00:29:47,360
Speaker 3: of chemotherapy, which did work. I was very very grateful.

611
00:29:47,480 --> 00:29:49,880
Speaker 3: We have a beautiful family who will have my youngest

612
00:29:49,960 --> 00:29:52,640
Speaker 3: son regularly so that I could go to work. They

613
00:29:52,880 --> 00:29:56,880
Speaker 3: were so helpful, not just because they're beautiful people, just financially.

614
00:29:57,000 --> 00:29:58,320
Speaker 3: It has put us ahead.

615
00:29:58,080 --> 00:30:00,600
Speaker 2: One hundred percent because child care, you wouldn't have been

616
00:30:00,600 --> 00:30:02,560
Speaker 2: able to go to work, like, especially if you were

617
00:30:02,600 --> 00:30:05,440
Speaker 2: working casually in between chemo, like, the amount of money

618
00:30:05,440 --> 00:30:08,080
Speaker 2: it would have cost you to put him into daycare

619
00:30:08,480 --> 00:30:10,000
Speaker 2: to then go to it, it would have just set you

620
00:30:10,040 --> 00:30:11,800
Speaker 2: back even further. Yeah, that's right.

621
00:30:11,920 --> 00:30:16,840
Speaker 3: So, yeah, it was really really hard, and my daughter

622
00:30:17,800 --> 00:30:19,120
Speaker 3: we're going to get back onto finances.

623
00:30:19,160 --> 00:30:22,880
Speaker 2: I know. No, it's okay, like it's such an important story.

624
00:30:23,280 --> 00:30:28,520
Speaker 3: Yeah. So she had nine months of chemo again. So

625
00:30:28,600 --> 00:30:30,560
Speaker 3: the first time she had six months. This time it

626
00:30:30,600 --> 00:30:34,680
Speaker 3: was nine months on a high risk protocol, so things

627
00:30:34,680 --> 00:30:39,200
Speaker 3: were a lot worse this time. Her side effects were awful, awful.

628
00:30:39,320 --> 00:30:41,280
Speaker 3: She wouldn't wake up for days, she wouldn't eat, she

629
00:30:41,280 --> 00:30:46,000
Speaker 3: wouldn't drink, and every single cycle was delayed because she

630
00:30:46,080 --> 00:30:49,080
Speaker 3: was too unwell to start the next cycle. So things

631
00:30:49,120 --> 00:30:53,280
Speaker 3: just got super duper delayed in all of her treatment,

632
00:30:53,480 --> 00:30:57,160
Speaker 3: and she was really unwell, which was really challenging. It

633
00:30:57,200 --> 00:30:59,720
Speaker 3: wasn't until she had a break from chemo that she

634
00:30:59,800 --> 00:31:03,240
Speaker 3: was able to kind of come back to life reset.

635
00:31:03,640 --> 00:31:05,720
Speaker 3: They pumped some blood into her to kind of keep

636
00:31:05,760 --> 00:31:09,240
Speaker 3: her going all the time. But then they had to

637
00:31:09,240 --> 00:31:13,640
Speaker 3: do surgery, so we had to remove her right eye

638
00:31:13,640 --> 00:31:15,560
Speaker 3: to get to the tumor. So she's now a little

639
00:31:15,560 --> 00:31:19,840
Speaker 3: girl who wears an eye patch because underneath that eye

640
00:31:19,840 --> 00:31:22,040
Speaker 3: patch is a hole.

641
00:31:22,320 --> 00:31:25,240
Speaker 2: Basically is that going to heal over time and we can,

642
00:31:25,800 --> 00:31:28,959
Speaker 2: you know, get a process or something organized.

643
00:31:29,200 --> 00:31:31,600
Speaker 3: Yeah, So she does have a prosthetic at the moment,

644
00:31:31,920 --> 00:31:35,120
Speaker 3: and she's getting a second one made. It's not as simple.

645
00:31:35,400 --> 00:31:37,800
Speaker 2: No, you can't just whack one in and call it

646
00:31:37,880 --> 00:31:38,200
Speaker 2: a day.

647
00:31:38,640 --> 00:31:41,520
Speaker 3: No. So if you lose your eyeball, for example, they

648
00:31:42,000 --> 00:31:44,080
Speaker 3: making you an eyeball and you can slot that into

649
00:31:44,120 --> 00:31:47,720
Speaker 3: the eye socket with the eyelid keeping it in and whatnot.

650
00:31:47,920 --> 00:31:51,280
Speaker 3: But for my daughter, she doesn't have an eyelid, so

651
00:31:51,560 --> 00:31:55,360
Speaker 3: it's her whole eye socket that has been removed, so

652
00:31:55,400 --> 00:31:58,680
Speaker 3: it's kind of like a ping pong ball size hole

653
00:31:58,800 --> 00:32:01,040
Speaker 3: where her eye should be. And they did take a

654
00:32:01,280 --> 00:32:03,880
Speaker 3: flap of skin from her leg as a skin graft,

655
00:32:04,360 --> 00:32:06,400
Speaker 3: so it's all the skin in there. It's kept clean.

656
00:32:06,480 --> 00:32:08,880
Speaker 3: We have to clean it. But yeah, prosthetic is just

657
00:32:08,920 --> 00:32:11,600
Speaker 3: a bit harder because the eye will never move. Yeah

658
00:32:11,640 --> 00:32:14,600
Speaker 3: wow Yeah, And she's just not convinced. She's now seven.

659
00:32:15,520 --> 00:32:19,280
Speaker 3: People know her to wear an eyepatch and she's used

660
00:32:19,320 --> 00:32:21,440
Speaker 3: to that routine. So I'm not sure that having a

661
00:32:21,440 --> 00:32:24,880
Speaker 3: prosthetic is going to be something that she regularly utilizes

662
00:32:24,920 --> 00:32:26,960
Speaker 3: at this point of course, But we want to give

663
00:32:26,960 --> 00:32:27,280
Speaker 3: her the.

664
00:32:27,240 --> 00:32:30,360
Speaker 2: Options I was going to say, and like times will

665
00:32:30,440 --> 00:32:33,440
Speaker 2: change and things that she's going through will change, and

666
00:32:33,960 --> 00:32:36,680
Speaker 2: I mean, it would be challenging being a seven year

667
00:32:36,680 --> 00:32:40,480
Speaker 2: old going through that, but even you know, knowing the

668
00:32:40,600 --> 00:32:44,160
Speaker 2: challenges that face her as she grows up, like just

669
00:32:44,200 --> 00:32:46,160
Speaker 2: knowing their options is so nice.

670
00:32:46,440 --> 00:32:49,440
Speaker 3: Yeah, that's right. So that's where we're at now. She

671
00:32:49,840 --> 00:32:54,840
Speaker 3: has been eighteen months out of cancer treatment. She has

672
00:32:55,000 --> 00:32:57,200
Speaker 3: just actually done her last step in the process. She

673
00:32:57,280 --> 00:32:59,720
Speaker 3: had her port removed, so all the chemo was pumped

674
00:32:59,720 --> 00:33:02,920
Speaker 3: through a port in her chest and that has now

675
00:33:02,960 --> 00:33:05,680
Speaker 3: been removed as of last week. So that is very exciting.

676
00:33:06,320 --> 00:33:09,200
Speaker 3: We feel like we can move on at this time

677
00:33:09,320 --> 00:33:13,600
Speaker 3: because now everyone is back at school, I'm working pretty

678
00:33:13,600 --> 00:33:17,480
Speaker 3: consistently as a relief teacher, and we're back on track.

679
00:33:17,480 --> 00:33:20,000
Speaker 3: We've just bought a new house. We had to save

680
00:33:20,080 --> 00:33:23,600
Speaker 3: like crazy and make some sacrifices in that regard, but

681
00:33:24,000 --> 00:33:28,360
Speaker 3: we also have some pretty solidified goals that we're working

682
00:33:28,360 --> 00:33:32,959
Speaker 3: towards and just trying to encourage our kids to just

683
00:33:33,000 --> 00:33:36,840
Speaker 3: be financially aware of what's going on in the world,

684
00:33:36,920 --> 00:33:40,880
Speaker 3: but also what's going on under our roof and what

685
00:33:40,920 --> 00:33:43,520
Speaker 3: we're saving for and why we can't buy this, but

686
00:33:43,640 --> 00:33:45,640
Speaker 3: maybe we can do that. So yeah, we feel like

687
00:33:46,160 --> 00:33:49,720
Speaker 3: the next couple of years, hopefully going forward, will be

688
00:33:49,760 --> 00:33:52,600
Speaker 3: our time to kind of get on top of what

689
00:33:52,640 --> 00:33:53,160
Speaker 3: we want to do.

690
00:33:53,960 --> 00:33:56,240
Speaker 2: And it sounds like you guys are really clear about

691
00:33:56,240 --> 00:33:58,640
Speaker 2: that too. All I hate to cut you off there,

692
00:33:58,640 --> 00:34:00,280
Speaker 2: but let's go to a really quick break and on

693
00:34:00,320 --> 00:34:01,960
Speaker 2: the flip side, I want to talk about your best

694
00:34:01,960 --> 00:34:04,840
Speaker 2: and worst money habits. I want to talk all about investing,

695
00:34:04,920 --> 00:34:12,719
Speaker 2: so guys, don't go anywhere. All right, we're back. So

696
00:34:13,480 --> 00:34:16,200
Speaker 2: moving to finance for a bit more. I want to

697
00:34:16,239 --> 00:34:19,040
Speaker 2: know about your goals. But first, what's your current income

698
00:34:19,160 --> 00:34:21,160
Speaker 2: as a family, What is your husband earning, what are

699
00:34:21,160 --> 00:34:22,439
Speaker 2: you earning, what's coming in the door.

700
00:34:22,600 --> 00:34:26,680
Speaker 3: Yeah, so I am primarily a relief teacher who takes

701
00:34:26,680 --> 00:34:30,480
Speaker 3: on short contracts as well at two schools. Last year,

702
00:34:30,520 --> 00:34:35,360
Speaker 3: I earned sixty thousand dollars excluding super and my husband

703
00:34:35,800 --> 00:34:38,120
Speaker 3: for the last financial year earned one hundred and fifty

704
00:34:38,200 --> 00:34:41,160
Speaker 3: thousand dollars as a deputy principal.

705
00:34:41,239 --> 00:34:44,280
Speaker 2: That's pretty cool that you, like, not your husband's income,

706
00:34:44,440 --> 00:34:47,239
Speaker 2: but your income though going through all of that, is

707
00:34:47,239 --> 00:34:49,680
Speaker 2: still bringing in sixty grand like that's queen behave.

708
00:34:49,760 --> 00:34:52,200
Speaker 3: Yeah, yeah, so that was actually the most This is

709
00:34:52,239 --> 00:34:55,239
Speaker 3: the first financial year that I've paid some hex off.

710
00:34:55,400 --> 00:34:56,920
Speaker 3: Oh my gosh, how good is that?

711
00:34:57,560 --> 00:34:59,680
Speaker 2: To've gone through all of that and you're like, okay, well,

712
00:35:00,040 --> 00:35:02,919
Speaker 2: finance is good. Have been stupidly stressful, but at least

713
00:35:03,000 --> 00:35:04,480
Speaker 2: we're coasting.

714
00:35:04,200 --> 00:35:06,279
Speaker 3: Like, oh, we're doing okay, I think.

715
00:35:06,880 --> 00:35:09,319
Speaker 2: So tell me more about these goals he said before, Like,

716
00:35:09,360 --> 00:35:11,799
Speaker 2: we've got some pretty clear and big money goals. What

717
00:35:11,880 --> 00:35:13,760
Speaker 2: are they? What are we working towards.

718
00:35:13,360 --> 00:35:15,800
Speaker 3: At the moment, It is to build up an emergency fund,

719
00:35:16,000 --> 00:35:19,600
Speaker 3: because that got eaten up by with the house process,

720
00:35:20,560 --> 00:35:24,120
Speaker 3: and it wasn't really a priority, to be honest, to

721
00:35:24,200 --> 00:35:27,480
Speaker 3: have an emergency fund at this point. But it is

722
00:35:27,520 --> 00:35:30,759
Speaker 3: a priority now because my husband is taking a step

723
00:35:30,800 --> 00:35:33,520
Speaker 3: back next year and going back to the classroom as

724
00:35:33,520 --> 00:35:33,920
Speaker 3: a teacher.

725
00:35:34,040 --> 00:35:35,879
Speaker 2: Oh is he excited about that?

726
00:35:35,960 --> 00:35:39,000
Speaker 3: He is very excited. He needed to break He worked

727
00:35:39,520 --> 00:35:44,000
Speaker 3: all through COVID, all through my daughter's diagnosis and treatment

728
00:35:44,040 --> 00:35:46,680
Speaker 3: and all of that, and he needs to get back

729
00:35:46,719 --> 00:35:49,240
Speaker 3: to what he really really loves, and that is education

730
00:35:49,400 --> 00:35:51,640
Speaker 3: and being with the children and teaching.

731
00:35:51,840 --> 00:35:55,000
Speaker 2: Yeah, it would be hard, because it sounds like I'm

732
00:35:55,040 --> 00:35:59,160
Speaker 2: just making some guesses here, educated guesses. But given he

733
00:35:59,280 --> 00:36:02,160
Speaker 2: was so happy to move regionally to teach, like it

734
00:36:02,280 --> 00:36:05,640
Speaker 2: sounds like he is very much a teacher. Not a

735
00:36:05,719 --> 00:36:08,279
Speaker 2: principal like he's I'm sure he's a fantastic principle, but

736
00:36:08,400 --> 00:36:10,640
Speaker 2: principle is a lot more hands off, whereas it sounds

737
00:36:10,640 --> 00:36:12,719
Speaker 2: like he's like a hands on kind of guy wants

738
00:36:12,760 --> 00:36:14,520
Speaker 2: to get in there and help the kids as opposed

739
00:36:14,560 --> 00:36:16,359
Speaker 2: to sit in an office and tell all the other

740
00:36:16,400 --> 00:36:17,319
Speaker 2: teachers what to do.

741
00:36:17,640 --> 00:36:19,360
Speaker 3: Yeah, And it got to the point where he was

742
00:36:20,520 --> 00:36:24,960
Speaker 3: kind of the events planner but also the complaints manager

743
00:36:25,080 --> 00:36:27,680
Speaker 3: as well. That was kind of what his role involved.

744
00:36:27,680 --> 00:36:29,680
Speaker 3: He's like, this is not why I became a teacher,

745
00:36:29,760 --> 00:36:31,640
Speaker 3: This is not why I got into the position that

746
00:36:31,680 --> 00:36:32,080
Speaker 3: I'm in.

747
00:36:32,200 --> 00:36:34,160
Speaker 2: Yeah, this isn't working the way I thought it would.

748
00:36:34,360 --> 00:36:36,359
Speaker 3: Yeah, I want to go back to what I'm passionate about.

749
00:36:36,480 --> 00:36:39,240
Speaker 3: So that's exciting. So we'd like to have ten thousand

750
00:36:39,239 --> 00:36:41,759
Speaker 3: dollars saved by the end of the year, so that

751
00:36:42,680 --> 00:36:45,640
Speaker 3: next year, if things become a bit tight with him

752
00:36:45,680 --> 00:36:49,520
Speaker 3: taking a decrease in pay, we have some money there

753
00:36:49,560 --> 00:36:50,120
Speaker 3: just in case.

754
00:36:50,239 --> 00:36:52,080
Speaker 2: Yeah, so that you don't have to stress.

755
00:36:52,280 --> 00:36:55,240
Speaker 3: Yeah, just be nice. In twenty twenty nine, we would

756
00:36:55,280 --> 00:36:58,239
Speaker 3: like to go overseas for the first time with all

757
00:36:58,280 --> 00:37:01,200
Speaker 3: four of our children. Yes, So the goal is to

758
00:37:01,239 --> 00:37:05,319
Speaker 3: have eighty thousand dollars there, but with a family of six,

759
00:37:05,400 --> 00:37:07,200
Speaker 3: we think it will probably be closer to one hundred

760
00:37:07,280 --> 00:37:07,920
Speaker 3: thousand dollars.

761
00:37:08,040 --> 00:37:10,400
Speaker 2: Where are you going though, Like, what's this holiday look like?

762
00:37:10,480 --> 00:37:12,080
Speaker 2: Have we got any idea or are you just like,

763
00:37:12,200 --> 00:37:13,759
Speaker 2: let's just get the money and work it out later.

764
00:37:13,920 --> 00:37:15,640
Speaker 3: Like for this one, we would like to go to

765
00:37:15,680 --> 00:37:18,839
Speaker 3: the UK and do bitter UK, bitter Europe. And then

766
00:37:18,880 --> 00:37:21,120
Speaker 3: the plan was to do it three years later when

767
00:37:21,160 --> 00:37:25,080
Speaker 3: my second child graduates high school. However, financially we're not

768
00:37:25,120 --> 00:37:27,640
Speaker 3: sure what that looks like. At this point we were

769
00:37:27,680 --> 00:37:31,040
Speaker 3: saving for both. But at the moment, yeah, the twenty

770
00:37:31,080 --> 00:37:32,680
Speaker 3: thirty two to one has no money in.

771
00:37:32,640 --> 00:37:36,000
Speaker 2: It totally, and they'll all be old enough to appreciate

772
00:37:36,040 --> 00:37:37,840
Speaker 2: it too, So that's so nice.

773
00:37:38,160 --> 00:37:41,000
Speaker 3: Yeah, so that is another one. And then building up

774
00:37:41,040 --> 00:37:42,480
Speaker 3: the investment portfolio again.

775
00:37:42,600 --> 00:37:44,240
Speaker 2: I was about to say, do you have any investments?

776
00:37:44,320 --> 00:37:47,160
Speaker 3: Oh, yes, investments. So we have our super yes, and

777
00:37:47,520 --> 00:37:49,160
Speaker 3: mine is a lot less because I didn't work as

778
00:37:49,239 --> 00:37:51,640
Speaker 3: much while I was having the children. My husband does

779
00:37:51,680 --> 00:37:54,759
Speaker 3: have a good balance though, so he makes contributions to

780
00:37:54,840 --> 00:37:55,880
Speaker 3: my super now.

781
00:37:55,760 --> 00:37:56,680
Speaker 2: Oh thank you sir.

782
00:37:56,960 --> 00:38:00,680
Speaker 3: Yes, So that's every fortnight and my SUPER sitting at

783
00:38:00,680 --> 00:38:04,880
Speaker 3: twenty seven thousand, and his super is three hundred and

784
00:38:04,880 --> 00:38:05,880
Speaker 3: thirty five thousand.

785
00:38:06,040 --> 00:38:08,120
Speaker 2: Oh sorry, what that is not where I thought that

786
00:38:08,160 --> 00:38:11,680
Speaker 2: would come from. Like, that is a nice amount of super.

787
00:38:11,960 --> 00:38:14,640
Speaker 3: He is very chuffed with that amount of SUPER.

788
00:38:14,920 --> 00:38:18,120
Speaker 2: I would be too, thank you for my financial freedom

789
00:38:18,200 --> 00:38:18,920
Speaker 2: in the future.

790
00:38:19,239 --> 00:38:23,959
Speaker 3: Yes, I just listened to your episode about Super this morning.

791
00:38:24,040 --> 00:38:24,239
Speaker 2: Yeah.

792
00:38:24,320 --> 00:38:28,279
Speaker 3: Good. Yeah, just hearing that amount of you know, just

793
00:38:28,360 --> 00:38:30,560
Speaker 3: under six hundred thousand dollars by the time you retire,

794
00:38:30,680 --> 00:38:32,680
Speaker 3: I was like, okay, we are sitting okay.

795
00:38:32,520 --> 00:38:35,279
Speaker 2: One hundred percent and like on average, money doubles every

796
00:38:35,320 --> 00:38:37,200
Speaker 2: ten years, so that's going to be like six hundred

797
00:38:37,200 --> 00:38:40,439
Speaker 2: and sixty eighth thousand dollars in another ten years as

798
00:38:40,480 --> 00:38:43,560
Speaker 2: it compounds. But he's also going to be contributing to it.

799
00:38:43,600 --> 00:38:46,200
Speaker 2: So like we need to get yours up and that

800
00:38:46,360 --> 00:38:48,560
Speaker 2: is okay. I feel like you're already across that. I

801
00:38:48,560 --> 00:38:50,520
Speaker 2: don't need to tell you. But at the end of

802
00:38:50,560 --> 00:38:52,839
Speaker 2: the day, like that would help me breathe a sigh

803
00:38:52,880 --> 00:38:54,719
Speaker 2: of relief to be like we're going through all of this,

804
00:38:55,040 --> 00:38:57,879
Speaker 2: like you know, even when talking about emergency funds, knowing

805
00:38:57,920 --> 00:39:00,400
Speaker 2: that that's emergency funds for now and that the future

806
00:39:00,480 --> 00:39:01,400
Speaker 2: me is looked after.

807
00:39:01,600 --> 00:39:04,239
Speaker 3: Oh yeah, it is pretty cool. Super is amazing. And

808
00:39:04,560 --> 00:39:07,240
Speaker 3: to be honest, my super was at about ten thousand

809
00:39:07,320 --> 00:39:09,439
Speaker 3: dollars I'm going to say eighteen months ago.

810
00:39:09,560 --> 00:39:12,479
Speaker 2: Would that make sense if you weren't working and things were,

811
00:39:12,640 --> 00:39:16,160
Speaker 2: you know, plodding along like I really like that. That

812
00:39:16,280 --> 00:39:18,080
Speaker 2: makes me feel very secure for you.

813
00:39:18,320 --> 00:39:22,640
Speaker 3: Yes, And then other investments. We do have shares through Superhero,

814
00:39:23,680 --> 00:39:28,520
Speaker 3: so that for us is about thirteen thousand dollars. Oh,

815
00:39:28,560 --> 00:39:31,759
Speaker 3: how good's that. Yeah, we did have to make a

816
00:39:31,760 --> 00:39:35,440
Speaker 3: sacrifice when we bought the house and we sold about

817
00:39:35,480 --> 00:39:39,040
Speaker 3: thirty three thousand dollars worth of shares. We did hold

818
00:39:39,040 --> 00:39:42,399
Speaker 3: them for seven years and they had increased quite a lot,

819
00:39:43,440 --> 00:39:46,000
Speaker 3: So it was a sacrifice and one that I wasn't

820
00:39:46,000 --> 00:39:49,160
Speaker 3: one hundred percent on. But in saying that, we got

821
00:39:49,200 --> 00:39:51,840
Speaker 3: into the property market. So we're very happy.

822
00:39:51,960 --> 00:39:54,080
Speaker 2: I know you're saying it's a sacrifice, but a lot

823
00:39:54,120 --> 00:39:56,680
Speaker 2: of us do invest to then be able to take

824
00:39:56,680 --> 00:39:59,200
Speaker 2: it out as a home deposit and be a little

825
00:39:59,200 --> 00:40:01,600
Speaker 2: bit ahead. It's not the worst thing in the entire world.

826
00:40:01,680 --> 00:40:03,839
Speaker 3: I think in our heads, you know, in an ideal world,

827
00:40:03,920 --> 00:40:06,200
Speaker 3: we would have had enough of the deposit to make

828
00:40:06,239 --> 00:40:06,640
Speaker 3: it work.

829
00:40:06,719 --> 00:40:07,400
Speaker 2: Yeah, of course.

830
00:40:07,480 --> 00:40:09,480
Speaker 3: So it was just getting across like the mindset of

831
00:40:09,640 --> 00:40:14,279
Speaker 3: that's okay, we need to change the goalposts and make

832
00:40:14,320 --> 00:40:16,600
Speaker 3: that sacrifice to make things work for our family one

833
00:40:16,719 --> 00:40:17,360
Speaker 3: hundred percent.

834
00:40:17,480 --> 00:40:18,480
Speaker 2: So yeah, that was okay.

835
00:40:18,560 --> 00:40:21,400
Speaker 3: And we do invest for our children. Do you actually

836
00:40:21,560 --> 00:40:24,760
Speaker 3: how good's that? How do you do that? Yes, well,

837
00:40:24,800 --> 00:40:28,080
Speaker 3: we do not do it in the most accurate way. However,

838
00:40:29,040 --> 00:40:32,920
Speaker 3: at the age of seven, we put away ten thousand

839
00:40:32,960 --> 00:40:34,400
Speaker 3: dollars for each of our children.

840
00:40:34,520 --> 00:40:35,360
Speaker 2: Oh my gosh.

841
00:40:35,400 --> 00:40:37,400
Speaker 3: So my daughter has just turned seven. So we have

842
00:40:37,520 --> 00:40:42,560
Speaker 3: three children now who we have separate investments for. So

843
00:40:42,800 --> 00:40:46,839
Speaker 3: for my husband, he invests for my oldest and he

844
00:40:46,920 --> 00:40:51,040
Speaker 3: puts them in one share. For example, he's twelve and

845
00:40:51,040 --> 00:40:53,040
Speaker 3: he has twenty four thousand dollars invested.

846
00:40:53,120 --> 00:40:54,080
Speaker 2: Oh my gosh.

847
00:40:54,239 --> 00:40:58,520
Speaker 3: Okay, yeah, in I managed portfolio, and also a bit

848
00:40:58,880 --> 00:41:01,839
Speaker 3: in a couple of other indidividual shares as well, and

849
00:41:01,880 --> 00:41:05,360
Speaker 3: he gets six monthly dividends. Our second child has fifteen

850
00:41:05,360 --> 00:41:06,720
Speaker 3: thousand dollars and he's nine.

851
00:41:06,960 --> 00:41:10,120
Speaker 2: Oh my god, these kids have more investments than most

852
00:41:10,160 --> 00:41:12,319
Speaker 2: people in our community. What is going on?

853
00:41:12,560 --> 00:41:14,120
Speaker 3: Well, I don't know how this is going to work

854
00:41:14,400 --> 00:41:17,040
Speaker 3: as they become of age to utilize them.

855
00:41:17,120 --> 00:41:19,040
Speaker 2: You know what, that is a problem that we can

856
00:41:19,080 --> 00:41:22,000
Speaker 2: look into in the future because if the cash is there,

857
00:41:22,120 --> 00:41:23,680
Speaker 2: I promise the answers will come.

858
00:41:23,800 --> 00:41:26,120
Speaker 3: We will figure it out. Yeah, it's not the best way,

859
00:41:26,160 --> 00:41:28,719
Speaker 3: but at the time we didn't have the resources to

860
00:41:28,719 --> 00:41:30,680
Speaker 3: know what was the best way. So this was the

861
00:41:31,160 --> 00:41:33,439
Speaker 3: least confusing way for us to do things.

862
00:41:33,560 --> 00:41:34,560
Speaker 2: Yeah, no, I love it.

863
00:41:34,640 --> 00:41:36,719
Speaker 3: And then our third she has just turned seven, so

864
00:41:36,760 --> 00:41:40,319
Speaker 3: hers is sticking away nicely and she gets monthly dividends.

865
00:41:40,480 --> 00:41:43,600
Speaker 3: How good. And then my husband also adds one thousand

866
00:41:43,680 --> 00:41:47,040
Speaker 3: dollars each birthday as well. Yeah, that will tick away

867
00:41:47,120 --> 00:41:51,120
Speaker 3: nicely for them to have a little cash fund when

868
00:41:51,440 --> 00:41:54,080
Speaker 3: they want to do something amazing with it. And they're

869
00:41:54,120 --> 00:41:56,600
Speaker 3: so privileged, these children, so lucky.

870
00:41:56,880 --> 00:42:01,680
Speaker 2: Absolutely, Like, I am actually in shock because this is

871
00:42:01,760 --> 00:42:04,400
Speaker 2: not how I thought that you were going to answer

872
00:42:04,960 --> 00:42:08,759
Speaker 2: the investing question, because obviously you guys have had a

873
00:42:08,960 --> 00:42:12,359
Speaker 2: rollercoaster of a journey having gone through so much, had

874
00:42:12,400 --> 00:42:16,160
Speaker 2: so many financial burdens to deal with. To then hear

875
00:42:16,160 --> 00:42:19,399
Speaker 2: that you're also still prioritizing investing for your kids, I'm

876
00:42:19,440 --> 00:42:22,000
Speaker 2: just like, how are you managing this? Like especially because

877
00:42:22,000 --> 00:42:24,560
Speaker 2: you were on one income, Like you guys must be

878
00:42:24,640 --> 00:42:27,319
Speaker 2: budgeting wizards to go, all right, well, this is how

879
00:42:27,320 --> 00:42:29,359
Speaker 2: this is going to work. And at the start you said, yeah,

880
00:42:29,440 --> 00:42:31,520
Speaker 2: my husband manages it through a spreadsheet.

881
00:42:31,800 --> 00:42:32,359
Speaker 3: What is it?

882
00:42:32,520 --> 00:42:35,440
Speaker 2: A spaceship spreadsheet? Like you get on there and it's

883
00:42:35,440 --> 00:42:38,319
Speaker 2: a full dashboard where he's taking over the world. Like,

884
00:42:38,800 --> 00:42:43,480
Speaker 2: I am impressed, because I genuinely like people in similar

885
00:42:43,520 --> 00:42:47,760
Speaker 2: situations that I have spoken to before are like no savings,

886
00:42:47,800 --> 00:42:50,600
Speaker 2: no investments, maybe another ten years before we're able to

887
00:42:50,640 --> 00:42:53,239
Speaker 2: purchase property. And that is just impressive.

888
00:42:53,440 --> 00:42:55,040
Speaker 3: I give a lot of credit to my husband in

889
00:42:55,080 --> 00:42:58,680
Speaker 3: that because I would be lost without him. I am

890
00:42:58,760 --> 00:43:00,279
Speaker 3: up to date on all of your podcasts, I listen

891
00:43:00,320 --> 00:43:02,600
Speaker 3: to other things, and I'm very educated myself. I just

892
00:43:02,640 --> 00:43:06,120
Speaker 3: don't have the time and the energy to physically put

893
00:43:06,120 --> 00:43:06,759
Speaker 3: it into action.

894
00:43:07,160 --> 00:43:10,200
Speaker 2: That is so fine, because all I care about is

895
00:43:10,239 --> 00:43:12,560
Speaker 2: that you know. Doesn't mean you have to do it.

896
00:43:12,640 --> 00:43:14,720
Speaker 2: I just need you to know so that if anything

897
00:43:14,760 --> 00:43:16,680
Speaker 2: ever happens, you're like, no, I know where our money is,

898
00:43:16,680 --> 00:43:18,680
Speaker 2: I know what's going on, I know where our mortgage is,

899
00:43:18,680 --> 00:43:21,000
Speaker 2: I know how to pay off things. Like I just

900
00:43:21,000 --> 00:43:24,400
Speaker 2: don't want people to be without the help that they deserve.

901
00:43:24,560 --> 00:43:27,920
Speaker 3: That's right, Yeah, amazing. We also have an investment property.

902
00:43:28,000 --> 00:43:28,600
Speaker 2: Oh my god.

903
00:43:28,640 --> 00:43:33,080
Speaker 3: What So we have an investment property where my husband

904
00:43:33,120 --> 00:43:36,960
Speaker 3: got his first permanent job, which we bought while we

905
00:43:37,000 --> 00:43:39,640
Speaker 3: lived there for nine months, and that is rented for

906
00:43:39,640 --> 00:43:42,920
Speaker 3: four hundred and fifty dollars a week and it is

907
00:43:43,000 --> 00:43:46,200
Speaker 3: negatively geared at the moment, and he uses the tax

908
00:43:46,239 --> 00:43:50,040
Speaker 3: benefits to offset his taxable income. So at the moment,

909
00:43:50,080 --> 00:43:53,440
Speaker 3: that works for us. If finances get super tough with

910
00:43:53,520 --> 00:43:57,879
Speaker 3: this new property and just our financial process throughout next year,

911
00:43:58,320 --> 00:44:00,960
Speaker 3: we might have to rethink the investment property. But that's

912
00:44:01,200 --> 00:44:03,080
Speaker 3: a later problem. We don't have to do that right now.

913
00:44:03,080 --> 00:44:05,439
Speaker 2: But that's okay, because like it's sticking along and isn't

914
00:44:05,440 --> 00:44:06,600
Speaker 2: it cool to have options?

915
00:44:06,880 --> 00:44:07,799
Speaker 3: Yeah, that's right.

916
00:44:08,000 --> 00:44:11,239
Speaker 2: I am so proud of you. Like this is actually insane.

917
00:44:12,080 --> 00:44:14,000
Speaker 2: I know I haven't finished all of my questions, but

918
00:44:14,040 --> 00:44:16,640
Speaker 2: I can already foresee a little argument between you and

919
00:44:16,719 --> 00:44:18,319
Speaker 2: I at the end about that C plus that you

920
00:44:18,320 --> 00:44:19,640
Speaker 2: gave yourself at the state House.

921
00:44:19,960 --> 00:44:22,080
Speaker 3: We'll get there, though. There are some negatives, I promise.

922
00:44:22,160 --> 00:44:24,279
Speaker 2: Okay, So tell me about debt. So you've got an

923
00:44:24,280 --> 00:44:27,920
Speaker 2: investment property, you've just purchased a family home. What type

924
00:44:27,920 --> 00:44:29,000
Speaker 2: of debt are we carrying?

925
00:44:29,160 --> 00:44:31,600
Speaker 3: So our investment property has two hundred and forty five

926
00:44:31,640 --> 00:44:36,080
Speaker 3: thousand dollars owing, and we bought this house in twenty

927
00:44:36,200 --> 00:44:40,120
Speaker 3: fifteen for three hundred and twenty two thousand under only

928
00:44:40,160 --> 00:44:42,839
Speaker 3: my husband's name, so I wasn't on any of that

929
00:44:42,920 --> 00:44:46,000
Speaker 3: for us. And it's now worth five hundred and fifteen

930
00:44:46,160 --> 00:44:48,960
Speaker 3: thousand dollars. Okay, So that's okay.

931
00:44:49,160 --> 00:44:50,960
Speaker 2: What do you mean that's okay? That's great.

932
00:44:51,239 --> 00:44:53,680
Speaker 3: Yeah, well it's amazing because the house actually went down

933
00:44:54,400 --> 00:44:57,080
Speaker 3: almost one hundred grand just after we bought it.

934
00:44:57,200 --> 00:45:00,520
Speaker 2: Yeah, regional is scary when you buy. It can be

935
00:45:00,560 --> 00:45:03,120
Speaker 2: a great investment, it can be a good investment, but

936
00:45:03,239 --> 00:45:07,239
Speaker 2: like it's really dependent on the market that's quite low coal.

937
00:45:07,440 --> 00:45:09,759
Speaker 3: Yeah, and I think you know, COVID did not help

938
00:45:09,800 --> 00:45:12,000
Speaker 3: a lot of things, but maybe it did help a

939
00:45:12,040 --> 00:45:15,840
Speaker 3: bit in the regional property market. So we're very grateful

940
00:45:15,840 --> 00:45:17,799
Speaker 3: for that. And we used equity from this house to

941
00:45:17,840 --> 00:45:20,239
Speaker 3: purchase the new house. So we have one hundred and

942
00:45:20,280 --> 00:45:23,920
Speaker 3: seven thousand dollars owing on a trunch loan and we

943
00:45:24,000 --> 00:45:26,880
Speaker 3: bought this house just recently for nine hundred and thirty

944
00:45:26,920 --> 00:45:30,319
Speaker 3: thousand dollars and it has seven hundred and eighty two

945
00:45:30,360 --> 00:45:31,280
Speaker 3: thousand dollars.

946
00:45:31,120 --> 00:45:32,920
Speaker 2: Owing, hey, that's pretty good.

947
00:45:33,400 --> 00:45:37,000
Speaker 3: So I think the combined is over one point one meal,

948
00:45:37,880 --> 00:45:41,600
Speaker 3: but that's okay. We're paying it off thirty year loans.

949
00:45:41,760 --> 00:45:45,000
Speaker 2: I feel like in this day and age, like in Melbourne,

950
00:45:45,120 --> 00:45:48,520
Speaker 2: the average property price is a million dollars, so like

951
00:45:49,280 --> 00:45:51,719
Speaker 2: you're not doing too badly. But it does get kind

952
00:45:51,719 --> 00:45:53,600
Speaker 2: of scary, doesn't it, Like when you look at it

953
00:45:53,640 --> 00:45:55,560
Speaker 2: and you're like, that's a seven figure number that I

954
00:45:55,600 --> 00:45:58,600
Speaker 2: owe somebody like that can be really scary. But in

955
00:45:58,640 --> 00:46:00,320
Speaker 2: the grand scheme of things, it sound like you have

956
00:46:00,400 --> 00:46:03,120
Speaker 2: a really good budget system. It sounds like you understand

957
00:46:03,160 --> 00:46:05,440
Speaker 2: cash flow and what that looks like and how it

958
00:46:05,480 --> 00:46:08,200
Speaker 2: all works. Like I think you're going to be just fine, my.

959
00:46:08,200 --> 00:46:12,560
Speaker 3: Friend, hopefully, hopefully. And then our only other debt is

960
00:46:13,440 --> 00:46:15,919
Speaker 3: my hex stet. So as I said, I hadn't paid

961
00:46:15,960 --> 00:46:18,000
Speaker 3: a lot off of it because I haven't earned much

962
00:46:18,040 --> 00:46:20,479
Speaker 3: over the last a long time.

963
00:46:20,560 --> 00:46:22,600
Speaker 2: But that's my favorite thing about HEX, Right, you only

964
00:46:22,600 --> 00:46:23,840
Speaker 2: paid off your your owning enough.

965
00:46:23,920 --> 00:46:26,719
Speaker 3: Yes, that's right, So that is a beautiful thing. So

966
00:46:26,840 --> 00:46:30,640
Speaker 3: my hex state is thirty thousand dollars, So that's okay,

967
00:46:30,719 --> 00:46:34,120
Speaker 3: that'll stick along. That will, you know, come down slowly,

968
00:46:34,560 --> 00:46:36,400
Speaker 3: and we're okay with that. I guess we did have

969
00:46:36,480 --> 00:46:40,439
Speaker 3: the option to pay that off before the indexation hit

970
00:46:41,560 --> 00:46:44,000
Speaker 3: last year and before we bought our property.

971
00:46:44,080 --> 00:46:47,399
Speaker 2: Yeah, I can also see from your financials because as

972
00:46:47,400 --> 00:46:49,799
Speaker 2: you probably know, I own a mortgage breaking company. Looking

973
00:46:49,840 --> 00:46:52,000
Speaker 2: at it, I don't think paying off that thirty thousand

974
00:46:52,040 --> 00:46:54,400
Speaker 2: dollars worth of hex stet would have impacted your borrowing

975
00:46:54,440 --> 00:46:55,920
Speaker 2: capacity enough to make it worth it.

976
00:46:56,000 --> 00:46:58,839
Speaker 3: That's right, and that's what we went through. So yeah,

977
00:46:58,880 --> 00:47:01,280
Speaker 3: that is all our debt. You haven't had a credit

978
00:47:01,280 --> 00:47:04,040
Speaker 3: card in a very long time. We did to go

979
00:47:04,080 --> 00:47:07,680
Speaker 3: on to overseas holiday in twenty sixteen, and it was

980
00:47:07,760 --> 00:47:08,959
Speaker 3: not a good idea.

981
00:47:08,960 --> 00:47:12,279
Speaker 2: No, because you come back from this beautiful holiday, now

982
00:47:12,280 --> 00:47:13,680
Speaker 2: you've got to pay for it and you've got nothing

983
00:47:13,680 --> 00:47:14,080
Speaker 2: to show.

984
00:47:14,440 --> 00:47:16,360
Speaker 3: Yeah. Yeah, we thought it was a great idea at

985
00:47:16,400 --> 00:47:20,759
Speaker 3: the time, and then no, it did just backfire. And

986
00:47:20,800 --> 00:47:22,200
Speaker 3: you know, we were smart about it and we got

987
00:47:22,239 --> 00:47:24,239
Speaker 3: out of it pretty quickly. But it was a bit

988
00:47:24,280 --> 00:47:27,600
Speaker 3: scary too. Like I can see how people get into

989
00:47:27,600 --> 00:47:29,399
Speaker 3: a bad spot with credit card debt.

990
00:47:29,480 --> 00:47:31,479
Speaker 2: Yeah, one hundred percent. No one gets a credit card

991
00:47:31,480 --> 00:47:34,359
Speaker 2: with the intention of going into debt they can't handle, right,

992
00:47:34,400 --> 00:47:36,160
Speaker 2: And that would have been your experience. You got the

993
00:47:36,160 --> 00:47:39,000
Speaker 2: credit card, sounded sunshine and roses, and then all of

994
00:47:39,000 --> 00:47:41,120
Speaker 2: a sudden it wasn't working as well, and you're like, oh,

995
00:47:41,200 --> 00:47:41,960
Speaker 2: what have we done?

996
00:47:42,160 --> 00:47:43,719
Speaker 3: Yeah? Exactly exactly.

997
00:47:43,880 --> 00:47:46,080
Speaker 2: So it sounds like you've got probably some very good

998
00:47:46,080 --> 00:47:48,920
Speaker 2: money habits. What do you reckon is your best money habit?

999
00:47:49,000 --> 00:47:51,600
Speaker 3: I think my best money habit is having a husband

1000
00:47:51,600 --> 00:47:56,560
Speaker 3: who is very hands on with things. But for both

1001
00:47:56,560 --> 00:47:58,719
Speaker 3: of us, for our family, we are very good at

1002
00:47:58,719 --> 00:48:03,080
Speaker 3: paying ourselves first. So we always pay into our twenty

1003
00:48:03,120 --> 00:48:07,760
Speaker 3: twenty nine holiday account, and we always put two hundred

1004
00:48:07,800 --> 00:48:11,320
Speaker 3: and twenty five dollars into our investment portfolio every fortnight,

1005
00:48:12,520 --> 00:48:14,640
Speaker 3: and one hundred and fifty dollars into my super.

1006
00:48:14,560 --> 00:48:17,520
Speaker 2: I love that because otherwise it just disappears.

1007
00:48:17,960 --> 00:48:21,200
Speaker 3: Yeah, And I know myself, I would prioritize other things

1008
00:48:21,800 --> 00:48:25,000
Speaker 3: because I'm a bit more impulsive and I have maybe

1009
00:48:25,080 --> 00:48:29,839
Speaker 3: different material priorities, especially now that we've put a house

1010
00:48:29,880 --> 00:48:31,680
Speaker 3: and we want to make it out home.

1011
00:48:31,719 --> 00:48:34,520
Speaker 2: Oh my gosh, Yeah, furnishing all of that stuff totally

1012
00:48:34,640 --> 00:48:34,920
Speaker 2: get it.

1013
00:48:35,120 --> 00:48:37,080
Speaker 3: So yeah, we always do that, which is really really

1014
00:48:37,120 --> 00:48:40,200
Speaker 3: important to us and our financial future with the kids.

1015
00:48:40,840 --> 00:48:44,239
Speaker 3: And we also have a camper trailer, so we go

1016
00:48:44,320 --> 00:48:47,080
Speaker 3: on lots of camping holidays throughout the year, and whenever

1017
00:48:47,120 --> 00:48:50,200
Speaker 3: we are on one camping holiday, we always book for

1018
00:48:50,239 --> 00:48:51,759
Speaker 3: the next one. Oh, I love that.

1019
00:48:52,160 --> 00:48:53,920
Speaker 2: So you've always got something to look forward to.

1020
00:48:54,160 --> 00:48:57,640
Speaker 3: Yeah. Yeah, And we kind of know that this family

1021
00:48:57,680 --> 00:49:00,879
Speaker 3: time is really really precious on a we don't know

1022
00:49:01,040 --> 00:49:04,120
Speaker 3: what the health future looks for our daughter, so we're

1023
00:49:04,160 --> 00:49:07,840
Speaker 3: trying to cram as much family tim in as possible

1024
00:49:08,320 --> 00:49:11,680
Speaker 3: while also paying the bills and making a life for ourselves.

1025
00:49:11,760 --> 00:49:13,759
Speaker 2: So I feel like you're killing it. I feel like

1026
00:49:13,800 --> 00:49:16,120
Speaker 2: you are doing such a good job. But I need

1027
00:49:16,160 --> 00:49:18,680
Speaker 2: to know worst money habit? Have you even got one

1028
00:49:18,719 --> 00:49:19,520
Speaker 2: at this stage?

1029
00:49:19,600 --> 00:49:22,960
Speaker 3: Our worst money habit is definitely the It's not the

1030
00:49:23,000 --> 00:49:25,399
Speaker 3: budgeting side of things. We are good at budgeting. It's

1031
00:49:25,400 --> 00:49:29,600
Speaker 3: the leaking money. Even though the budget is there, we

1032
00:49:29,640 --> 00:49:34,319
Speaker 3: are always overspending. It's mostly like incidental things like we

1033
00:49:34,400 --> 00:49:36,080
Speaker 3: go to swim club on a Friday night, we have

1034
00:49:36,120 --> 00:49:39,920
Speaker 3: to purchase dinner, and while that's not super expensive, it

1035
00:49:40,000 --> 00:49:41,600
Speaker 3: might be thirty dollars.

1036
00:49:41,360 --> 00:49:43,319
Speaker 2: But it wasn't in the plan. You had a meal

1037
00:49:43,400 --> 00:49:44,760
Speaker 2: plan organized.

1038
00:49:44,360 --> 00:49:47,120
Speaker 3: Yeah, or school supplies at the end of the year

1039
00:49:47,160 --> 00:49:49,640
Speaker 3: for the next year. We have to buy four of

1040
00:49:49,680 --> 00:49:52,560
Speaker 3: them as of next year, and that adds up so much.

1041
00:49:53,160 --> 00:49:55,239
Speaker 3: So it's that stuff that's not in the budget, and

1042
00:49:55,280 --> 00:49:58,520
Speaker 3: it's not in the budget because our income doesn't cover it.

1043
00:50:00,280 --> 00:50:02,399
Speaker 3: So we try to make up for it. So we'll

1044
00:50:02,400 --> 00:50:04,800
Speaker 3: pull when those expenses come up. We will pull money

1045
00:50:04,800 --> 00:50:08,719
Speaker 3: from our bills to pay for those things, but then

1046
00:50:08,760 --> 00:50:11,200
Speaker 3: we'll have to pay ourselves back somewhere along the lines,

1047
00:50:11,239 --> 00:50:14,719
Speaker 3: and we're not necessarily sure where that's coming from and

1048
00:50:14,760 --> 00:50:18,640
Speaker 3: when it's coming So that is definitely our worst leaking

1049
00:50:18,680 --> 00:50:24,040
Speaker 3: money for the incidentals and just not knowing where that

1050
00:50:24,320 --> 00:50:26,840
Speaker 3: extra money is coming from. So I definitely think we

1051
00:50:27,239 --> 00:50:30,560
Speaker 3: can improve on our cash flow and knowing exactly what

1052
00:50:30,640 --> 00:50:34,399
Speaker 3: we spend, when we spend it, and how much those

1053
00:50:34,480 --> 00:50:35,319
Speaker 3: things are going to be.

1054
00:50:35,520 --> 00:50:37,319
Speaker 2: And that's hard, right because you're like, well, I don't

1055
00:50:37,320 --> 00:50:38,880
Speaker 2: know what school books are going to be, but I

1056
00:50:38,880 --> 00:50:41,439
Speaker 2: don't know what this looks like. And that's I guess

1057
00:50:41,440 --> 00:50:44,080
Speaker 2: why budgeting can be so fickle and you have to

1058
00:50:44,080 --> 00:50:46,080
Speaker 2: revisit it a number of times.

1059
00:50:45,800 --> 00:50:48,240
Speaker 3: Right, Yeah, and just things creep up, like even gifts

1060
00:50:48,320 --> 00:50:51,200
Speaker 3: and Christmas. We know Christmas is expensive, but somehow we

1061
00:50:51,280 --> 00:50:54,400
Speaker 3: just don't budget for it. So yeah, that is definitely

1062
00:50:54,640 --> 00:50:59,080
Speaker 3: a money flaw for us, even though things look pretty peachy.

1063
00:50:58,840 --> 00:51:01,319
Speaker 2: But it is still stress And I think that that's

1064
00:51:01,440 --> 00:51:04,480
Speaker 2: a really good lesson for everybody, Like, if you just

1065
00:51:04,520 --> 00:51:07,239
Speaker 2: don't budget for something, it can be stressful, irrespective of

1066
00:51:07,280 --> 00:51:09,960
Speaker 2: how good you are at investing or saving or buying property. Like,

1067
00:51:10,600 --> 00:51:13,200
Speaker 2: money has to come from somewhere, and it is stressful

1068
00:51:13,239 --> 00:51:17,319
Speaker 2: shuffling it around. Oh, money, direst I have a bone

1069
00:51:17,360 --> 00:51:20,600
Speaker 2: to pick with you. I do apologize, but you did say, oh,

1070
00:51:20,640 --> 00:51:23,080
Speaker 2: I think we're a c plus you have been through

1071
00:51:23,080 --> 00:51:26,040
Speaker 2: the ringer like you have had. I mean, I'm so

1072
00:51:26,080 --> 00:51:28,359
Speaker 2: grateful that you have a beautiful family and that your

1073
00:51:28,440 --> 00:51:31,480
Speaker 2: daughter is happy and healthy and cancer free and smiling

1074
00:51:31,520 --> 00:51:34,560
Speaker 2: and thriving, but you have been through a shit storm

1075
00:51:34,800 --> 00:51:38,680
Speaker 2: that would have financially ruined so many people. But then

1076
00:51:38,800 --> 00:51:41,160
Speaker 2: when we started to learn more about you, you're like, yeah,

1077
00:51:41,160 --> 00:51:43,400
Speaker 2: we actually have an investment property. Yet we've purchased our

1078
00:51:43,400 --> 00:51:46,600
Speaker 2: own property. My husband's super always prioritized it. We're actually

1079
00:51:46,600 --> 00:51:49,960
Speaker 2: paying off you know, some more to my super Yeah,

1080
00:51:50,000 --> 00:51:52,880
Speaker 2: we actually do invest, yeah, consistently. We actually invest for

1081
00:51:52,920 --> 00:51:55,560
Speaker 2: our kids too, Like we're across this like the I

1082
00:51:55,680 --> 00:51:58,880
Speaker 2: have my stuff together and you think you're a C plus,

1083
00:51:58,960 --> 00:52:03,440
Speaker 2: please straight in the bin like money direst.

1084
00:52:03,160 --> 00:52:06,720
Speaker 3: Yeah, I think our budget and cash flow is where

1085
00:52:06,719 --> 00:52:09,279
Speaker 3: we really sink down, and we want to be able

1086
00:52:09,320 --> 00:52:12,800
Speaker 3: to contribute more to investing in things. The other problem

1087
00:52:12,800 --> 00:52:15,680
Speaker 3: with us is that we don't have the potential to

1088
00:52:15,800 --> 00:52:18,439
Speaker 3: increase our income as such doing the things that we're

1089
00:52:18,480 --> 00:52:21,200
Speaker 3: doing because they are government jobs. So we're trying to

1090
00:52:21,239 --> 00:52:25,080
Speaker 3: figure out how we can get there. So, yes, I

1091
00:52:25,160 --> 00:52:27,480
Speaker 3: agree that we will probably be a bit more than

1092
00:52:27,520 --> 00:52:30,200
Speaker 3: a C plus, but I wouldn't be willing to go

1093
00:52:30,239 --> 00:52:31,040
Speaker 3: any further than a B.

1094
00:52:31,360 --> 00:52:33,239
Speaker 2: And I think that's fine because we all feel like

1095
00:52:33,320 --> 00:52:35,879
Speaker 2: we've got stuff to improve on, and you can absolutely

1096
00:52:36,000 --> 00:52:39,319
Speaker 2: improve what you think is fair. But I think we're

1097
00:52:39,320 --> 00:52:42,200
Speaker 2: also harsh on ourselves, especially as women. We're like, no,

1098
00:52:42,280 --> 00:52:44,279
Speaker 2: we're not doing enough, we're not doing well. You are

1099
00:52:44,400 --> 00:52:47,000
Speaker 2: killing it, Like you're a good mum, you're a good

1100
00:52:47,239 --> 00:52:50,760
Speaker 2: money maker. Like the fact that you earned sixty grand

1101
00:52:50,880 --> 00:52:52,840
Speaker 2: last year be for real?

1102
00:52:53,640 --> 00:52:55,799
Speaker 3: Yeah, thank you. Thank you. It really does mean a

1103
00:52:55,800 --> 00:52:59,040
Speaker 3: lot to hear other people say that, because we're not

1104
00:52:59,120 --> 00:53:01,960
Speaker 3: huge talkers about money outside of our family network. We

1105
00:53:02,000 --> 00:53:04,880
Speaker 3: talk about it a lot here, but yeah, it is

1106
00:53:05,000 --> 00:53:08,920
Speaker 3: really really humbling, I guess to hear somebody else say that,

1107
00:53:09,040 --> 00:53:09,400
Speaker 3: so thank you.

1108
00:53:09,440 --> 00:53:11,359
Speaker 2: Oh, I love it. I'm so proud that you're part

1109
00:53:11,400 --> 00:53:15,279
Speaker 2: of our community. I'm just I'm so glad, irrespective of

1110
00:53:15,320 --> 00:53:17,520
Speaker 2: all the financial things, to hear that your daughter is

1111
00:53:17,520 --> 00:53:19,840
Speaker 2: happy at the moment and that things are going well.

1112
00:53:19,920 --> 00:53:23,240
Speaker 2: And I know it's shitty, but even that new found

1113
00:53:23,400 --> 00:53:26,440
Speaker 2: appreciation of family time and you guys embracing that, Like

1114
00:53:26,480 --> 00:53:30,600
Speaker 2: I think that's just so special, Like it's crap, but

1115
00:53:30,719 --> 00:53:32,760
Speaker 2: at the end of the day, like I'm just glad

1116
00:53:32,800 --> 00:53:34,960
Speaker 2: that they have a mum and dad who are absolutely

1117
00:53:35,000 --> 00:53:37,879
Speaker 2: obsessed with them and that is literally all any kid

1118
00:53:37,920 --> 00:53:41,120
Speaker 2: can ask for. So moneyed arrest, it has been an

1119
00:53:41,160 --> 00:53:44,040
Speaker 2: absolute pleasure. I am very sad that we don't have

1120
00:53:44,120 --> 00:53:46,920
Speaker 2: any more time, but I have loved this story and

1121
00:53:46,960 --> 00:53:49,279
Speaker 2: I know our community is going to be obsessed with

1122
00:53:49,320 --> 00:53:52,160
Speaker 2: this story as much as I am. So thank you

1123
00:53:52,239 --> 00:53:54,400
Speaker 2: so much for being so open and generous with it,

1124
00:53:54,440 --> 00:53:56,160
Speaker 2: because I'm sure it wasn't easy to share.

1125
00:53:56,360 --> 00:53:58,640
Speaker 3: No, thank you. Yeah, it was really tough in the

1126
00:53:58,680 --> 00:54:01,920
Speaker 3: beginning here and you hear read back the money story

1127
00:54:01,920 --> 00:54:05,040
Speaker 3: that I sent in. Oh, but now talking through it, yeah,

1128
00:54:05,120 --> 00:54:07,960
Speaker 3: I think we will be okay. And your words mean

1129
00:54:08,000 --> 00:54:08,279
Speaker 3: a lot.

1130
00:54:08,320 --> 00:54:11,480
Speaker 2: You're doing so well. I'm just I'm so in awe, like,

1131
00:54:11,600 --> 00:54:13,640
Speaker 2: I'm just so impressed. And I hope that at some

1132
00:54:13,719 --> 00:54:16,840
Speaker 2: point we get to cross paths in person. That'll be

1133
00:54:16,920 --> 00:54:18,080
Speaker 2: really special.

1134
00:54:17,680 --> 00:54:18,400
Speaker 3: That would be amazing.

1135
00:54:24,800 --> 00:54:27,320
Speaker 2: The advice shared on She's on the Money is general

1136
00:54:27,400 --> 00:54:31,240
Speaker 2: in nature and does not consider your individual circumstances. She's

1137
00:54:31,280 --> 00:54:34,760
Speaker 2: on the Money exists purely for educational purposes and should

1138
00:54:34,760 --> 00:54:37,960
Speaker 2: not be relied upon to make an investment or financial decision.

1139
00:54:38,320 --> 00:54:40,799
Speaker 2: If you do choose to buy a financial product, read

1140
00:54:40,800 --> 00:54:44,960
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

1141
00:54:44,960 --> 00:54:48,279
Speaker 2: your needs. Victoria Divine and She's on the Money are

1142
00:54:48,320 --> 00:54:53,359
Speaker 2: authorized representatives of Money. Sheper pty Ltd ABN three two

1143
00:54:53,400 --> 00:54:56,399
Speaker 2: one IS six four nine two seven seven zero eight

1144
00:54:56,680 --> 00:55:04,719
Speaker 2: AFSL four five one two eight nine The Record Day