1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

2
00:00:04,960 --> 00:00:08,680
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:27,000
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:32,640
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:37,120
Speaker 2: Let's get into it. She's on the Money, She's on

11
00:00:37,159 --> 00:01:00,240
Speaker 2: the Money. Hello, and welcome to She's on the Money,

12
00:01:00,360 --> 00:01:04,559
Speaker 2: the podcast for millennials who want financial freedom. Welcome back

13
00:01:04,600 --> 00:01:06,960
Speaker 2: to another one of our money diaries where we get

14
00:01:07,000 --> 00:01:09,560
Speaker 2: to talk with one of our incredible She's on the

15
00:01:09,560 --> 00:01:13,680
Speaker 2: Money community members all about their money story. Let's jump

16
00:01:13,720 --> 00:01:16,080
Speaker 2: straight into it, because this week I got a message

17
00:01:16,080 --> 00:01:19,760
Speaker 2: and it sounded exactly like this. Hi Victoria. I came

18
00:01:19,760 --> 00:01:22,520
Speaker 2: to Australia from Brazil five years ago as a student

19
00:01:22,640 --> 00:01:26,240
Speaker 2: with one thousand dollars and now I make one hundred

20
00:01:26,280 --> 00:01:30,000
Speaker 2: and eighty thousand dollars a year plus working in mining.

21
00:01:30,560 --> 00:01:33,120
Speaker 2: From working on a cruise ship to doing air Tasker,

22
00:01:33,240 --> 00:01:36,480
Speaker 2: I have sacrificed and saved, and I have finally made

23
00:01:36,560 --> 00:01:39,440
Speaker 2: my way up the pay brackets. I love she's on

24
00:01:39,480 --> 00:01:41,960
Speaker 2: the money and cannot wait to share my can do

25
00:01:42,160 --> 00:01:45,520
Speaker 2: story with you. Ah money darrist I can't wait to

26
00:01:45,560 --> 00:01:48,680
Speaker 2: hear your can do story either. Are you joking? From

27
00:01:48,720 --> 00:01:51,160
Speaker 2: doing air tasker to earning one hundred and eighty grand

28
00:01:51,200 --> 00:01:52,440
Speaker 2: a year? Are you kidding?

29
00:01:53,040 --> 00:01:57,280
Speaker 3: Yes? Yes, looking back, I cannot even believe that I

30
00:01:57,360 --> 00:02:00,760
Speaker 3: lived so many lives, I worked in so many things,

31
00:02:00,920 --> 00:02:05,800
Speaker 3: and now I'm here having a leadership position in a

32
00:02:05,920 --> 00:02:10,680
Speaker 3: very major dominated industry and like just thriving.

33
00:02:10,520 --> 00:02:14,120
Speaker 2: Queen, absolute queen behavior. I love to see it. Let's

34
00:02:14,160 --> 00:02:17,320
Speaker 2: get into it because I am very excited. It's a

35
00:02:17,400 --> 00:02:21,560
Speaker 2: very inspirational story. Let's start the way I always start money.

36
00:02:21,600 --> 00:02:23,800
Speaker 2: Dis tell me if I asked you to give yourself

37
00:02:23,800 --> 00:02:26,120
Speaker 2: a money grade from A through to F, what would

38
00:02:26,120 --> 00:02:26,680
Speaker 2: that grade be.

39
00:02:27,160 --> 00:02:32,400
Speaker 3: I think I would be a grade B because I

40
00:02:32,400 --> 00:02:37,359
Speaker 3: think I'm good at savings. But I also like I'm

41
00:02:37,360 --> 00:02:40,200
Speaker 3: a Taurus, so I think I like to indulge myself.

42
00:02:40,080 --> 00:02:42,200
Speaker 2: Into Yeah, that's going to get you.

43
00:02:43,440 --> 00:02:48,800
Speaker 3: Yes, especially traveling. So I travel a lot, so I

44
00:02:48,840 --> 00:02:51,720
Speaker 3: could be better at savings, but I think I'm pretty

45
00:02:51,720 --> 00:02:52,480
Speaker 3: good at Yeah.

46
00:02:52,480 --> 00:02:55,040
Speaker 2: Look, i'm a Cancerian, so it's like my way or

47
00:02:55,080 --> 00:02:57,400
Speaker 2: the highway. If I want a little treaty treat, I

48
00:02:57,440 --> 00:03:00,560
Speaker 2: obviously deserve a little treaty treat for doing nothing. So like,

49
00:03:00,600 --> 00:03:04,440
Speaker 2: that's absolutely fine, let's get into it. Though you moved

50
00:03:04,480 --> 00:03:07,680
Speaker 2: here five years ago from Brazil, tell me more about

51
00:03:07,680 --> 00:03:08,680
Speaker 2: your money story.

52
00:03:09,000 --> 00:03:12,840
Speaker 3: Yes, So when I was living in Brazil, I'm a

53
00:03:12,880 --> 00:03:16,359
Speaker 3: mechanical engineer, so I staid in mechanical engineering. And from

54
00:03:16,360 --> 00:03:18,880
Speaker 3: the beginning, my dad always said, you have to have

55
00:03:18,960 --> 00:03:21,720
Speaker 3: a spreadsheet, have a spreadsheet for everything.

56
00:03:21,800 --> 00:03:23,919
Speaker 2: He's a genius man after my own heart.

57
00:03:24,080 --> 00:03:26,639
Speaker 3: He's like, I won't give you one cent if you

58
00:03:27,000 --> 00:03:29,480
Speaker 3: don't show me that you were doing a spread cheet

59
00:03:29,560 --> 00:03:32,040
Speaker 3: and everything. And then I was like, oh my god,

60
00:03:32,080 --> 00:03:35,160
Speaker 3: this is so annoying. This was actually the worst. I

61
00:03:35,240 --> 00:03:38,040
Speaker 3: was like, no, this can't be true. I can't do

62
00:03:38,120 --> 00:03:41,960
Speaker 3: this for the rest of my life. But I eventually

63
00:03:42,280 --> 00:03:45,720
Speaker 3: got into it. I never saved any money. I was

64
00:03:45,920 --> 00:03:49,400
Speaker 3: not good with money. I absolutely didn't have any money.

65
00:03:49,440 --> 00:03:53,880
Speaker 3: I graduated and with zero savings. But then I was

66
00:03:54,000 --> 00:03:57,000
Speaker 3: an adult and in real life, and I had to

67
00:03:57,000 --> 00:04:00,800
Speaker 3: fight a job. And I couldn't fight a job. I

68
00:04:00,840 --> 00:04:04,240
Speaker 3: had mechanico engineering degree, I knew how to speak English,

69
00:04:04,640 --> 00:04:08,200
Speaker 3: I had done internships, but I couldn't find a job.

70
00:04:08,280 --> 00:04:12,000
Speaker 2: That's crazy, Yeah, especially because you were so talented and

71
00:04:12,040 --> 00:04:15,280
Speaker 2: the fact that you speak honestly such clear English. I mean,

72
00:04:15,320 --> 00:04:17,240
Speaker 2: you've been here for five years, but I'm sure that

73
00:04:17,560 --> 00:04:19,400
Speaker 2: you've been able to speak English for longer than that.

74
00:04:19,520 --> 00:04:22,920
Speaker 2: It's just like wow, Like that's such especially where you're from,

75
00:04:23,440 --> 00:04:25,160
Speaker 2: Like that's so valuable.

76
00:04:25,800 --> 00:04:29,120
Speaker 3: Yes, it should be. And I graduated from a good

77
00:04:29,200 --> 00:04:33,080
Speaker 3: university and with an engineering degree, and I couldn't find

78
00:04:33,120 --> 00:04:35,440
Speaker 3: a job. And then that got me. I spent like

79
00:04:35,480 --> 00:04:39,080
Speaker 3: six months apply and because I live in a remote

80
00:04:39,080 --> 00:04:42,120
Speaker 3: part of Brazil, I had to travel for job interviews.

81
00:04:42,320 --> 00:04:43,400
Speaker 2: Oh my gosh.

82
00:04:43,520 --> 00:04:45,640
Speaker 3: And then it was very heartbreaking for me.

83
00:04:45,720 --> 00:04:47,800
Speaker 2: I was gonna say, was that really disheartening? Were you

84
00:04:47,920 --> 00:04:49,760
Speaker 2: just really upset? Because I would have just been like

85
00:04:50,080 --> 00:04:53,040
Speaker 2: I've tried so hard and i just feel like I'm

86
00:04:53,080 --> 00:04:54,040
Speaker 2: getting nowhere.

87
00:04:54,520 --> 00:04:58,680
Speaker 3: I got nowhere. I was so heartbroken. It was at

88
00:04:58,680 --> 00:05:01,440
Speaker 3: a point of my life. I was like I just

89
00:05:02,640 --> 00:05:05,320
Speaker 3: was lying in bed and I was like, what's the point.

90
00:05:05,400 --> 00:05:09,320
Speaker 3: What's the point. And then I just decided to get

91
00:05:09,320 --> 00:05:11,320
Speaker 3: a job. I said, I'm going to get a job

92
00:05:11,800 --> 00:05:14,680
Speaker 3: anywhere they want me to get a job, like they

93
00:05:14,760 --> 00:05:17,760
Speaker 3: anywhere they accept me. And then I got a job

94
00:05:17,760 --> 00:05:18,400
Speaker 3: in a cruise ship.

95
00:05:19,360 --> 00:05:21,719
Speaker 2: Oh cool, I feel like I love this work ethic.

96
00:05:21,760 --> 00:05:23,800
Speaker 2: You're like, no, I'm not gonna lie in bed. I

97
00:05:23,839 --> 00:05:26,320
Speaker 2: don't care. I'm just going to take any job. You

98
00:05:26,400 --> 00:05:29,280
Speaker 2: just applied for a job on a cruise ship one day, yes.

99
00:05:29,080 --> 00:05:32,560
Speaker 3: Because my friend said that. I had a friend alongline

100
00:05:32,600 --> 00:05:35,960
Speaker 3: friend and he said, I think that if you get

101
00:05:35,960 --> 00:05:40,479
Speaker 3: a job in a cruise ship, it'll give you a resilience. Yeah,

102
00:05:40,640 --> 00:05:42,960
Speaker 3: And then he said I think that'll be a very

103
00:05:43,040 --> 00:05:46,800
Speaker 3: good grow opportunity for you. And then I applied for it.

104
00:05:46,880 --> 00:05:49,560
Speaker 3: And then they were like, they literally take anyone that

105
00:05:49,600 --> 00:05:50,520
Speaker 3: can speak English.

106
00:05:51,120 --> 00:05:54,760
Speaker 2: So I mean, all right, well we've got a job

107
00:05:54,839 --> 00:05:55,520
Speaker 2: ten out of ten.

108
00:05:56,200 --> 00:05:58,839
Speaker 3: Yes. So I got a job. And then my parents

109
00:05:58,880 --> 00:06:01,560
Speaker 3: were not very happy because or like you were an engineer.

110
00:06:01,200 --> 00:06:03,080
Speaker 2: Because you can't get a job as an engineer, mom,

111
00:06:03,160 --> 00:06:03,799
Speaker 2: that's why.

112
00:06:03,880 --> 00:06:06,400
Speaker 3: So I went to the cruise ship and then this

113
00:06:06,520 --> 00:06:10,279
Speaker 3: cruise ship. I worked for six months, and let me

114
00:06:10,320 --> 00:06:13,160
Speaker 3: tell you, they don't have any days off, like, no

115
00:06:13,320 --> 00:06:17,279
Speaker 3: days off, No, not a single day off. You have

116
00:06:17,360 --> 00:06:21,120
Speaker 3: to work every day for six months and you only

117
00:06:21,160 --> 00:06:23,360
Speaker 3: get paid like five hundred US dollars.

118
00:06:23,640 --> 00:06:26,719
Speaker 2: Wait, like a week or a month or a month? No,

119
00:06:26,920 --> 00:06:27,760
Speaker 2: absolutely not.

120
00:06:29,320 --> 00:06:32,320
Speaker 3: You're going to get paid a month and plus. Because

121
00:06:32,320 --> 00:06:35,680
Speaker 3: I was a salesperson, I was getting commissioned, so if

122
00:06:35,720 --> 00:06:36,800
Speaker 3: I seld things.

123
00:06:36,560 --> 00:06:38,599
Speaker 2: I'd buy stuff from you. So did you make lots

124
00:06:38,600 --> 00:06:39,320
Speaker 2: of commissions?

125
00:06:39,560 --> 00:06:43,360
Speaker 3: No? In total I would get in between seven hundred

126
00:06:43,680 --> 00:06:49,120
Speaker 3: US dollars and a thousand US dollars per month for

127
00:06:49,320 --> 00:06:54,360
Speaker 3: six months, but it was working twelve hour days or more.

128
00:06:54,520 --> 00:06:57,200
Speaker 2: My gosh, did you enjoy this experience or is that

129
00:06:57,279 --> 00:06:59,080
Speaker 2: something you're like, I really want to be in the

130
00:06:59,120 --> 00:06:59,719
Speaker 2: engineer now.

131
00:07:00,080 --> 00:07:05,240
Speaker 3: I felt like it was a great experience because one

132
00:07:05,320 --> 00:07:07,640
Speaker 3: day one lady told me, oh, I used to work

133
00:07:07,880 --> 00:07:10,320
Speaker 3: like you did before. And the beadt thing about this

134
00:07:10,720 --> 00:07:14,600
Speaker 3: is you're never going to have a worse job ever.

135
00:07:16,760 --> 00:07:20,160
Speaker 2: The audacity. I love that. So you can only go

136
00:07:20,160 --> 00:07:21,960
Speaker 2: out from here, bab, it can only go out from here.

137
00:07:22,200 --> 00:07:24,040
Speaker 3: You can only go up. And then I thought it

138
00:07:24,080 --> 00:07:27,840
Speaker 3: was very inspiring actually, because no matter how bad like

139
00:07:28,160 --> 00:07:32,160
Speaker 3: I'm feeling about my other jobs, I'm like, I've been

140
00:07:32,320 --> 00:07:33,000
Speaker 3: through worse.

141
00:07:33,880 --> 00:07:36,240
Speaker 2: Yeah, fair, fair, But I.

142
00:07:36,200 --> 00:07:39,000
Speaker 3: Got to travel. It was very fun. It was a

143
00:07:39,040 --> 00:07:42,120
Speaker 3: little bit tiring because you worked for eight hours and

144
00:07:42,160 --> 00:07:44,240
Speaker 3: then you will have a chance to travel. You were

145
00:07:44,280 --> 00:07:47,080
Speaker 3: in Barcelona, but you're like, oh my god, I'm so tired.

146
00:07:47,360 --> 00:07:49,760
Speaker 2: They not, Yeah, yes.

147
00:07:49,680 --> 00:07:51,800
Speaker 3: But I saved a lot. I saved like three thousand

148
00:07:51,960 --> 00:07:54,960
Speaker 3: US dollars. I didn't spend any money shit. I like,

149
00:07:55,200 --> 00:07:58,640
Speaker 3: I think it's just something changing in my brain. And

150
00:07:58,720 --> 00:08:01,240
Speaker 3: I was really focused to come Australia because I thought

151
00:08:01,240 --> 00:08:05,240
Speaker 3: that Australia would be a good place to restart.

152
00:08:04,880 --> 00:08:05,679
Speaker 2: Have fresh split.

153
00:08:05,880 --> 00:08:09,040
Speaker 3: Yeah, to have a fresh start. And I had saved

154
00:08:09,080 --> 00:08:12,559
Speaker 3: those three thousand dollars. It caused me maybe like five

155
00:08:12,600 --> 00:08:16,920
Speaker 3: thousand dollars to come to Australia. I know, my dad

156
00:08:16,920 --> 00:08:20,480
Speaker 3: helped me with a little bit more money and then

157
00:08:20,520 --> 00:08:24,360
Speaker 3: he said, okay, now I have to go. And then

158
00:08:24,400 --> 00:08:28,280
Speaker 3: when I arrived here, I had very little money, like

159
00:08:29,040 --> 00:08:31,880
Speaker 3: I was nothing. I told you, like one thousand dollars,

160
00:08:31,920 --> 00:08:32,880
Speaker 3: two thousand dollars.

161
00:08:32,720 --> 00:08:35,880
Speaker 2: Which in this economy doesn't stretch that far, right, when I.

162
00:08:35,880 --> 00:08:38,520
Speaker 3: Had to play for Bond, I was living in a

163
00:08:38,640 --> 00:08:42,240
Speaker 3: room with two other girls, Like, yeah, wow, my house

164
00:08:42,280 --> 00:08:43,720
Speaker 3: had I think, my.

165
00:08:44,160 --> 00:08:46,640
Speaker 2: People what and you're all sharing rooms?

166
00:08:46,720 --> 00:08:49,400
Speaker 3: All sharing rooms. That was a guy leaving the couch.

167
00:08:50,480 --> 00:08:53,560
Speaker 3: It was crowded, but I think it's a lot of

168
00:08:53,600 --> 00:08:57,839
Speaker 3: international students come here and they had experienced the same.

169
00:08:58,080 --> 00:08:58,560
Speaker 2: Yeah.

170
00:08:58,640 --> 00:09:01,880
Speaker 3: So I was here and then I had six months

171
00:09:02,120 --> 00:09:04,920
Speaker 3: because I wasn't studying English. I already knew how to

172
00:09:04,920 --> 00:09:07,480
Speaker 3: speak English. I was study a Certificate of in Project

173
00:09:07,520 --> 00:09:11,800
Speaker 3: Management SMART and I started looking for jobs and it

174
00:09:12,080 --> 00:09:14,520
Speaker 3: was I thought. I was like, I'm going to get

175
00:09:14,600 --> 00:09:17,439
Speaker 3: into the country. I know how to speak English. It'd

176
00:09:17,480 --> 00:09:20,000
Speaker 3: be so easy. It wasn't easy.

177
00:09:20,760 --> 00:09:25,199
Speaker 4: No, oh my gosh, it wasn't easy, like as easy

178
00:09:25,200 --> 00:09:28,400
Speaker 4: as I thought now that I when I think about it,

179
00:09:28,400 --> 00:09:31,200
Speaker 4: it was easier because I could speak English.

180
00:09:31,600 --> 00:09:35,400
Speaker 3: But when you're leaving the moment, you're feeling like, oh

181
00:09:35,440 --> 00:09:39,000
Speaker 3: my god, whelmed, overwhelmed. I'm in this new country, I

182
00:09:39,040 --> 00:09:42,319
Speaker 3: don't know anyone. I'm leaving this room with these two

183
00:09:42,360 --> 00:09:46,760
Speaker 3: other girls who I've never met before, and I don't

184
00:09:46,800 --> 00:09:48,959
Speaker 3: have a lot of money. So I had to find money.

185
00:09:49,000 --> 00:09:51,480
Speaker 3: So I signed up for air test because the other

186
00:09:52,280 --> 00:09:54,120
Speaker 3: people that lived with me they told me about it.

187
00:09:54,360 --> 00:09:57,240
Speaker 3: And in this air tester, because I didn't have any experience,

188
00:09:57,600 --> 00:09:59,839
Speaker 3: no one was and hiring me.

189
00:10:00,240 --> 00:10:03,720
Speaker 2: Book to you. Oh no, I'm guilty of that. Honestly.

190
00:10:03,760 --> 00:10:06,120
Speaker 2: Whenever I'm booking an air Taska, I'm always like, I

191
00:10:06,160 --> 00:10:09,040
Speaker 2: really want this job done. But like, obviously it's people

192
00:10:09,080 --> 00:10:11,880
Speaker 2: I've never met before, so I literally just go, oh,

193
00:10:11,880 --> 00:10:14,960
Speaker 2: they've got some good reviews, or I'll book them. That

194
00:10:15,080 --> 00:10:17,480
Speaker 2: makes me want to book people who don't have any reviews.

195
00:10:18,960 --> 00:10:19,520
Speaker 3: It happened.

196
00:10:19,559 --> 00:10:21,000
Speaker 2: Sorry, sorry that was me.

197
00:10:21,520 --> 00:10:23,360
Speaker 3: It happens. But because I will do that to you,

198
00:10:24,040 --> 00:10:26,560
Speaker 3: like I will hire someone who has experienced. But then

199
00:10:26,760 --> 00:10:30,640
Speaker 3: I just decided I created a great profile. I put

200
00:10:30,679 --> 00:10:34,800
Speaker 3: some pictures so everyone could see like I'm smiley, I'm happy.

201
00:10:34,679 --> 00:10:36,719
Speaker 2: A nice lady. Yeah yeah, like if I met you,

202
00:10:36,760 --> 00:10:39,400
Speaker 2: i'd book you immediately, that's okay, yes.

203
00:10:39,600 --> 00:10:42,680
Speaker 3: And then I noticed that if I got into the

204
00:10:42,760 --> 00:10:47,120
Speaker 3: app at like six am or seven am, some people

205
00:10:47,160 --> 00:10:50,120
Speaker 3: were posting jobs and no one was there to apply.

206
00:10:50,520 --> 00:10:52,520
Speaker 3: And then I was like getting them because I was

207
00:10:52,520 --> 00:10:54,240
Speaker 3: a faster, like the fastest.

208
00:10:54,200 --> 00:10:57,280
Speaker 2: Yes, smart woman, she's speedy, speedy.

209
00:10:57,440 --> 00:10:59,960
Speaker 3: It was all about speed. And then I started growing

210
00:11:00,120 --> 00:11:03,440
Speaker 3: and I did so many jobs, like cleaning jobs. I

211
00:11:03,480 --> 00:11:08,760
Speaker 3: did handing pamphlets on the streets. I got some flowers

212
00:11:08,760 --> 00:11:11,280
Speaker 3: for a guy to propose to his partner.

213
00:11:11,480 --> 00:11:13,199
Speaker 2: Oh that's so wholesome.

214
00:11:13,640 --> 00:11:17,760
Speaker 3: Yes. And I had like many, many, many opportunities. It

215
00:11:17,800 --> 00:11:19,959
Speaker 3: was a jump start, and it gave me a boost

216
00:11:20,000 --> 00:11:22,640
Speaker 3: of confidence that I was really needing at the moment.

217
00:11:22,880 --> 00:11:25,080
Speaker 3: I just started to have a goal to make like

218
00:11:25,120 --> 00:11:28,240
Speaker 3: one thousand dollars per week, and I was like, this

219
00:11:28,440 --> 00:11:30,560
Speaker 3: is so impossible. I will never make one thousand dollars

220
00:11:30,600 --> 00:11:31,040
Speaker 3: per week.

221
00:11:31,160 --> 00:11:31,800
Speaker 2: Did you do it?

222
00:11:31,920 --> 00:11:32,240
Speaker 3: Yes?

223
00:11:32,840 --> 00:11:35,640
Speaker 2: Oh my gosh, a thousand dollars a week on Air Taska.

224
00:11:35,840 --> 00:11:38,320
Speaker 3: Yes. I was doing everything. And then because I was

225
00:11:38,360 --> 00:11:40,480
Speaker 3: doing a lot of cleaning jobs and I didn't have

226
00:11:40,760 --> 00:11:43,920
Speaker 3: vacuum cleaner, I used to get the vacuum cleaner behind

227
00:11:44,000 --> 00:11:46,960
Speaker 3: my flatmates back because they couldn't see that I was

228
00:11:47,000 --> 00:11:49,880
Speaker 3: taking the vacuum cleaner and I was taking the vacuum

229
00:11:49,880 --> 00:11:53,760
Speaker 3: cleaner on the public transport to clean other people's house.

230
00:11:54,600 --> 00:11:57,480
Speaker 2: I love you, You're the best. Not the hustle is real.

231
00:11:57,559 --> 00:11:58,559
Speaker 2: Get it clean and no.

232
00:11:58,920 --> 00:12:01,320
Speaker 3: I applied for and then I applied for another job.

233
00:12:01,360 --> 00:12:05,920
Speaker 3: Who was promotions. It's they give you a stent and

234
00:12:06,000 --> 00:12:09,120
Speaker 3: they make you go to supermarkets like you go to woolies.

235
00:12:09,160 --> 00:12:12,640
Speaker 3: You go to calls and you have to do sampling.

236
00:12:12,800 --> 00:12:14,199
Speaker 3: So you have to give some people. Do you want

237
00:12:14,200 --> 00:12:15,559
Speaker 3: to cheese? Do you want to try this cheese? Do

238
00:12:15,600 --> 00:12:18,160
Speaker 3: you want to try this yogurt? I told them that

239
00:12:18,200 --> 00:12:20,240
Speaker 3: I had a car, but I didn't have a.

240
00:12:20,200 --> 00:12:22,080
Speaker 2: Car, a ha ha ha.

241
00:12:22,240 --> 00:12:25,160
Speaker 3: I remember, just for the money, and I was getting

242
00:12:25,240 --> 00:12:30,880
Speaker 3: those standards. It's big, big, big set up, set up

243
00:12:31,720 --> 00:12:35,679
Speaker 3: public transport, and I would go to so many places.

244
00:12:35,800 --> 00:12:36,800
Speaker 3: It was insane.

245
00:12:36,840 --> 00:12:39,360
Speaker 2: You're crazy, but I love it. And I also like

246
00:12:39,800 --> 00:12:42,480
Speaker 2: mad respect for the hustle, like there seems to be

247
00:12:42,920 --> 00:12:45,280
Speaker 2: I don't know this underlying, Like you know, people come

248
00:12:45,320 --> 00:12:48,280
Speaker 2: in from international and they take our jobs. Like how

249
00:12:48,280 --> 00:12:52,520
Speaker 2: many people actually have the resilience and the drive to

250
00:12:52,559 --> 00:12:55,199
Speaker 2: do the jobs that you have done? Like I love it.

251
00:12:55,400 --> 00:12:57,960
Speaker 2: You deserve everything that comes your way, like that is

252
00:12:58,000 --> 00:12:58,800
Speaker 2: the best ever.

253
00:12:59,480 --> 00:13:03,160
Speaker 3: That's how I was very focused on staying here because

254
00:13:03,200 --> 00:13:05,720
Speaker 3: I love the country. I fell in love. It was

255
00:13:05,840 --> 00:13:09,640
Speaker 3: so nice. I was like, I'm living here. I saved

256
00:13:09,679 --> 00:13:12,560
Speaker 3: money to go to a migration lawyer and then he said.

257
00:13:12,880 --> 00:13:15,320
Speaker 3: I was like, I'm an engineer. I can't stay here.

258
00:13:15,520 --> 00:13:18,800
Speaker 3: My skill is in high demand. And he said, oh,

259
00:13:18,880 --> 00:13:21,400
Speaker 3: I think. I don't think. Because you have no experience

260
00:13:21,400 --> 00:13:25,319
Speaker 3: in engineering, it's not very likely that you migrate. So

261
00:13:25,600 --> 00:13:26,880
Speaker 3: you have to get married.

262
00:13:27,080 --> 00:13:30,520
Speaker 2: And I was like, what, No, let's get a new

263
00:13:30,600 --> 00:13:33,640
Speaker 2: lawyer's let's not talk to him. He sounds like a

264
00:13:33,720 --> 00:13:34,720
Speaker 2: bit of a fluff muppet.

265
00:13:34,920 --> 00:13:39,120
Speaker 3: I was like, why, no, no way, and then I

266
00:13:39,160 --> 00:13:42,960
Speaker 3: told I. Eventually I talked to someone else and they're like, no,

267
00:13:43,200 --> 00:13:47,000
Speaker 3: we're going to have this plan for you, and you're

268
00:13:47,040 --> 00:13:50,920
Speaker 3: going to study civil engineering a diploma. You're doing to

269
00:13:50,960 --> 00:13:54,320
Speaker 3: do a diploma, you're gonna graduate, and then you're gonna

270
00:13:54,360 --> 00:13:56,800
Speaker 3: have a graduate visa and it will be allowed to

271
00:13:57,080 --> 00:13:59,800
Speaker 3: follow your path. And I was like, yes, this is

272
00:14:00,080 --> 00:14:03,319
Speaker 3: the playtime going. And I arrived here in February two,

273
00:14:03,440 --> 00:14:09,760
Speaker 3: twenty eighteen, and by June twenty eighteen, I had saved

274
00:14:10,679 --> 00:14:12,720
Speaker 3: three thousand dollars four.

275
00:14:12,760 --> 00:14:15,439
Speaker 2: Oh my gosh, it's the costs. Yeah, good work.

276
00:14:16,000 --> 00:14:17,120
Speaker 3: Uh huh.

277
00:14:17,120 --> 00:14:19,120
Speaker 2: The hustle was real. I bet you didn't want to

278
00:14:19,160 --> 00:14:20,560
Speaker 2: separate with that too quickly.

279
00:14:20,920 --> 00:14:24,280
Speaker 3: No, But I was like, I can't do this. I'm

280
00:14:24,320 --> 00:14:27,680
Speaker 3: saving so much money. This country is amazing. It would

281
00:14:27,680 --> 00:14:30,840
Speaker 3: get better. And then I did. I study. I paid

282
00:14:30,880 --> 00:14:33,160
Speaker 3: for my course because when you're international student, you have

283
00:14:33,200 --> 00:14:36,200
Speaker 3: to pay as you go. You don't have like hats

284
00:14:36,320 --> 00:14:39,800
Speaker 3: or you can get alone. And I paid for everything

285
00:14:40,320 --> 00:14:43,800
Speaker 3: and I didn't go out. I was leaving in Brisbane. Yeah,

286
00:14:44,000 --> 00:14:47,320
Speaker 3: people asked me, Oh, how about the restaurants in Brisbane.

287
00:14:47,640 --> 00:14:50,680
Speaker 2: You're like, I don't know about restaurants in Brisbane. I'm saving.

288
00:14:50,920 --> 00:14:54,840
Speaker 3: I don't know. I haven't bought clothes nothing. I was

289
00:14:54,880 --> 00:14:58,920
Speaker 3: just saving, saving and study saving and study saving and study.

290
00:14:59,280 --> 00:15:01,200
Speaker 3: And then at the end of it, I have like

291
00:15:01,440 --> 00:15:03,480
Speaker 3: four thousand layers and savings. And I decided to go

292
00:15:03,520 --> 00:15:07,320
Speaker 3: to Japan. I was gonna thirt thirty, and then I

293
00:15:07,400 --> 00:15:08,000
Speaker 3: was freaked out.

294
00:15:08,040 --> 00:15:09,680
Speaker 2: You're like, I've got to do something big.

295
00:15:10,040 --> 00:15:13,120
Speaker 3: I was having a crisis. I was like, I'm thirty,

296
00:15:13,640 --> 00:15:16,160
Speaker 3: I have to do something. I've got to Japan. I

297
00:15:16,240 --> 00:15:18,920
Speaker 3: was in Japan and I was living my best life.

298
00:15:19,080 --> 00:15:20,800
Speaker 2: I love this. I love this.

299
00:15:21,560 --> 00:15:24,240
Speaker 3: I thought, I'm going back to Australia and I'm working

300
00:15:24,600 --> 00:15:26,640
Speaker 3: as I work, and I'm saving this money back.

301
00:15:26,960 --> 00:15:28,040
Speaker 2: It'll be funny exactly.

302
00:15:28,360 --> 00:15:30,960
Speaker 3: It wasn't it was March twenty twenty.

303
00:15:31,680 --> 00:15:34,520
Speaker 2: Oh no, that's the worst. You got kicked twelve you

304
00:15:34,560 --> 00:15:35,080
Speaker 2: were down.

305
00:15:36,560 --> 00:15:38,240
Speaker 3: It was March twenty twenty.

306
00:15:38,320 --> 00:15:40,640
Speaker 2: I mean, at least you squeazed a holiday in before

307
00:15:40,640 --> 00:15:42,640
Speaker 2: the world locks it down. Strategic.

308
00:15:42,720 --> 00:15:44,200
Speaker 3: I like it, Yes, And I had to come back

309
00:15:44,280 --> 00:15:46,200
Speaker 3: because my boss was calling me and he was like,

310
00:15:46,360 --> 00:15:48,920
Speaker 3: is that defent? Borders are gonna close. You have to

311
00:15:48,920 --> 00:15:49,280
Speaker 3: come back.

312
00:15:49,560 --> 00:15:52,080
Speaker 2: You need to come back, otherwise you're never coming back.

313
00:15:52,120 --> 00:15:54,480
Speaker 3: I'm never comming. I I was never going coming back

314
00:15:54,520 --> 00:15:57,360
Speaker 3: because the country stay closed for two years.

315
00:15:57,760 --> 00:15:59,360
Speaker 2: It was yes, crazy.

316
00:16:00,080 --> 00:16:02,840
Speaker 3: I came back and I couldn't find a job because

317
00:16:02,960 --> 00:16:06,400
Speaker 3: I worked with hospitality. I worked with international students, and

318
00:16:06,440 --> 00:16:08,840
Speaker 3: that's how I paid my course too, because I got

319
00:16:08,840 --> 00:16:13,880
Speaker 3: a job in this student agency and they had a discount,

320
00:16:13,920 --> 00:16:16,400
Speaker 3: so it was much easier because I had like a

321
00:16:16,480 --> 00:16:19,600
Speaker 3: thirty forty percent discount on my course, which was a

322
00:16:20,080 --> 00:16:21,440
Speaker 3: very good money saving.

323
00:16:21,880 --> 00:16:23,160
Speaker 2: Yeah money wain yeah money.

324
00:16:23,200 --> 00:16:26,600
Speaker 3: Wait, Yes, twenty twenty happened, and then I just concentrated

325
00:16:26,600 --> 00:16:30,440
Speaker 3: and finished my studies, studying a lot. I had some jobs,

326
00:16:30,480 --> 00:16:33,200
Speaker 3: but it wasn't something like real, and then I de

327
00:16:33,200 --> 00:16:35,760
Speaker 3: scided I only wanted to work as an engineer. It

328
00:16:36,280 --> 00:16:41,000
Speaker 3: was very hard. I offered to do an internship for free,

329
00:16:41,200 --> 00:16:44,120
Speaker 3: where I went from Brisbane to Go Coast on a train.

330
00:16:44,480 --> 00:16:47,600
Speaker 3: I had no money, and I was having even less

331
00:16:47,600 --> 00:16:50,520
Speaker 3: money because it costs like ten dollars the round trip

332
00:16:50,600 --> 00:16:53,760
Speaker 3: from as a student, and I was like, is this

333
00:16:53,840 --> 00:16:56,880
Speaker 3: the right choice? It wasn't really the right choice because

334
00:16:57,360 --> 00:16:59,520
Speaker 3: I stayed there for one month and they told me

335
00:16:59,600 --> 00:17:05,560
Speaker 3: I saw basically I'm not really good at apparently at drafting.

336
00:17:05,920 --> 00:17:08,160
Speaker 3: I tried again. I did everything.

337
00:17:08,440 --> 00:17:10,879
Speaker 2: Seriously, I'm so proud of you. Are you proud of yourself?

338
00:17:11,000 --> 00:17:12,960
Speaker 2: I bet you're proud of yourself. You have to begh

339
00:17:12,960 --> 00:17:13,600
Speaker 2: after all this.

340
00:17:14,320 --> 00:17:17,680
Speaker 3: I am because I paid for a company they span

341
00:17:17,840 --> 00:17:21,000
Speaker 3: your regiment. That's how desperate I was. I don't recommend

342
00:17:21,000 --> 00:17:23,480
Speaker 3: this to anyone because it is so bad and desperate,

343
00:17:23,880 --> 00:17:26,240
Speaker 3: but I was desperate. I was desperate. I was like,

344
00:17:26,840 --> 00:17:27,680
Speaker 3: I have to do something.

345
00:17:27,760 --> 00:17:28,760
Speaker 2: You knew what you wanted.

346
00:17:28,880 --> 00:17:31,640
Speaker 3: I had to try. I like I already had to know.

347
00:17:32,200 --> 00:17:35,359
Speaker 3: So I spent my regiment and one company they called

348
00:17:35,400 --> 00:17:37,840
Speaker 3: me and I worked there for one month. But the

349
00:17:37,880 --> 00:17:40,040
Speaker 3: guy said, oh, you don't know how to do this,

350
00:17:40,320 --> 00:17:42,920
Speaker 3: so I'm not paying you and I'm like, oh, fair, fair,

351
00:17:43,000 --> 00:17:44,000
Speaker 3: I don't like you either.

352
00:17:43,880 --> 00:17:45,160
Speaker 2: So oh no.

353
00:17:46,240 --> 00:17:50,280
Speaker 3: Finally, in November twenty twenty, I had a friend and

354
00:17:50,320 --> 00:17:52,960
Speaker 3: she said, oh, my friend has a vacancy in her

355
00:17:53,040 --> 00:17:55,840
Speaker 3: company and you should apply. And she sent me the

356
00:17:55,920 --> 00:17:58,920
Speaker 3: vacancy and it was for a civil engineer with five

357
00:17:59,000 --> 00:18:01,760
Speaker 3: years of experience. And I was like, oh, but I'm

358
00:18:01,760 --> 00:18:06,199
Speaker 3: a mechanic engineer with sero years of experience and she said, oh,

359
00:18:06,240 --> 00:18:10,240
Speaker 3: that sounds different, but I applied anyway, give it a crack.

360
00:18:11,320 --> 00:18:15,520
Speaker 3: It was COVID What's Crazy Times. And then some guy

361
00:18:15,560 --> 00:18:17,880
Speaker 3: called me and he was like, oh, are you interested

362
00:18:18,240 --> 00:18:21,600
Speaker 3: to move to the outback Australia and leave in this

363
00:18:21,760 --> 00:18:24,800
Speaker 3: mining town and we'll give you a job. And I

364
00:18:24,880 --> 00:18:26,640
Speaker 3: was like absolutely, I'm going.

365
00:18:26,760 --> 00:18:28,600
Speaker 2: Of course, I'm down for anything.

366
00:18:28,640 --> 00:18:31,840
Speaker 3: At this point, I'm young for anything. And he said

367
00:18:31,920 --> 00:18:33,520
Speaker 3: how long will it take you to come here? And

368
00:18:33,560 --> 00:18:34,720
Speaker 3: I said one week.

369
00:18:34,800 --> 00:18:37,760
Speaker 2: Oh my gosh. He would have been like that's crazy. Yes,

370
00:18:37,760 --> 00:18:39,359
Speaker 2: fired immediately.

371
00:18:39,040 --> 00:18:42,440
Speaker 3: Uh huh. In retrospect, when I'm thinking about it, I think, oh,

372
00:18:42,480 --> 00:18:45,240
Speaker 3: I just said yes to this random guy I don't

373
00:18:45,280 --> 00:18:49,040
Speaker 3: know to go to out back Australia. That's a little

374
00:18:49,040 --> 00:18:49,800
Speaker 3: bit dangerous.

375
00:18:50,160 --> 00:18:52,960
Speaker 2: That's a little bit questionable, but we're not gonna You're

376
00:18:53,040 --> 00:18:55,760
Speaker 2: safe and fine now, so let's not talk too much

377
00:18:55,800 --> 00:18:56,199
Speaker 2: about that.

378
00:18:56,680 --> 00:19:00,280
Speaker 3: So it worked out fine. I went there and they

379
00:19:00,320 --> 00:19:03,760
Speaker 3: had me on a salary of fifty four thousand a year,

380
00:19:04,119 --> 00:19:06,040
Speaker 3: and for me, I was great. I was like, this

381
00:19:06,119 --> 00:19:09,000
Speaker 3: is great. I loved it. I have an income now

382
00:19:09,160 --> 00:19:12,520
Speaker 3: after a year of not having an income. But I

383
00:19:12,600 --> 00:19:16,479
Speaker 3: was working like sixty hours a week. And then I

384
00:19:16,520 --> 00:19:18,520
Speaker 3: did the mess and I was like, oh, this is

385
00:19:18,720 --> 00:19:22,439
Speaker 3: like a teenager working at McDonald's would make more money

386
00:19:22,440 --> 00:19:24,919
Speaker 3: than I am. And then I was like, oh, this

387
00:19:25,040 --> 00:19:28,479
Speaker 3: is not good. But like one month later they were like,

388
00:19:28,600 --> 00:19:33,160
Speaker 3: oh we're making it was really good. So we're giving

389
00:19:33,160 --> 00:19:35,360
Speaker 3: you a raise and you are making now seventy five

390
00:19:35,400 --> 00:19:36,960
Speaker 3: thousand dollars a year.

391
00:19:37,240 --> 00:19:40,840
Speaker 2: What from fifty four thousand to seventy five is a

392
00:19:40,880 --> 00:19:41,760
Speaker 2: massive jump.

393
00:19:42,200 --> 00:19:44,919
Speaker 3: Yes, That's why I was like, oh my god, oh

394
00:19:45,119 --> 00:19:48,840
Speaker 3: my god, much money. I was so impressed. But I

395
00:19:48,920 --> 00:19:52,040
Speaker 3: was leaving the desert and a city with six thousand people.

396
00:19:52,440 --> 00:19:56,040
Speaker 3: They have two pubs, and I was there all by

397
00:19:56,080 --> 00:19:59,520
Speaker 3: myself again in the city where I knew and I

398
00:19:59,560 --> 00:20:02,280
Speaker 3: didn't know anyone. But I was making more money than

399
00:20:02,320 --> 00:20:05,359
Speaker 3: I could ever imagine I was going to make. And

400
00:20:05,400 --> 00:20:08,439
Speaker 3: then everything happened. I got invited to apply for my

401
00:20:08,680 --> 00:20:11,640
Speaker 3: permanent residency, and I told them, no, I can't live

402
00:20:11,680 --> 00:20:14,320
Speaker 3: here anymore. There's nothing to do in this town. I'm

403
00:20:14,320 --> 00:20:17,040
Speaker 3: not a big drinker. That's the only thing that people

404
00:20:17,080 --> 00:20:21,679
Speaker 3: doing here. Yeah, I can't. I'm going to leave. And

405
00:20:21,720 --> 00:20:25,000
Speaker 3: then they said, oh, what if we labor hire you

406
00:20:25,520 --> 00:20:29,280
Speaker 3: as an engineer to another company and give you fifty

407
00:20:29,320 --> 00:20:30,040
Speaker 3: dollars an hour?

408
00:20:30,240 --> 00:20:32,200
Speaker 2: And You're like, wait, well, why wasn't that an option

409
00:20:32,240 --> 00:20:32,680
Speaker 2: at the start?

410
00:20:33,640 --> 00:20:36,880
Speaker 3: I was like, okay, so I'm working for twelve hours

411
00:20:37,400 --> 00:20:41,280
Speaker 3: and fifty dollars an hour. That's so much money. Of

412
00:20:41,320 --> 00:20:44,639
Speaker 3: course I said yes, I said yes, And then I

413
00:20:44,680 --> 00:20:47,400
Speaker 3: started working for this new company as a labor higher

414
00:20:48,320 --> 00:20:51,719
Speaker 3: in August twenty twenty one. So in six months, I

415
00:20:51,840 --> 00:20:56,320
Speaker 3: was like, I seex seven seven eight months, I went

416
00:20:56,400 --> 00:21:00,119
Speaker 3: from being a student and making fifty four thousand dollars

417
00:21:00,640 --> 00:21:06,480
Speaker 3: and to being a permanent resident and and making fifty

418
00:21:06,520 --> 00:21:07,080
Speaker 3: dollars an hour.

419
00:21:07,359 --> 00:21:11,320
Speaker 2: Oh my gosh. And you thought you'd picked there, didn't you.

420
00:21:11,800 --> 00:21:15,080
Speaker 3: Yes. I was like, oh my god, this is so good,

421
00:21:15,640 --> 00:21:18,960
Speaker 3: so good, so good. I was so happy. I was

422
00:21:19,359 --> 00:21:22,720
Speaker 3: not so happy because it's a very demanding job too,

423
00:21:23,400 --> 00:21:26,520
Speaker 3: very long hours. I started working at five am. But

424
00:21:26,560 --> 00:21:28,760
Speaker 3: then I continue in this company and then they asked

425
00:21:28,800 --> 00:21:30,920
Speaker 3: me to join the other company. I was being labor

426
00:21:30,960 --> 00:21:33,800
Speaker 3: highed and they decide, oh, I'm gonna pay you sixty

427
00:21:33,880 --> 00:21:35,199
Speaker 3: dollars an hour, and I was.

428
00:21:35,200 --> 00:21:37,960
Speaker 2: Like yes, please, yes, please, yes, yes.

429
00:21:39,400 --> 00:21:42,520
Speaker 3: It was great. I had like really good bosses who

430
00:21:42,640 --> 00:21:45,880
Speaker 3: was They were always looking after me and they were like, oh,

431
00:21:45,920 --> 00:21:49,320
Speaker 3: I'm gonna help you to negotiate your salary. He was

432
00:21:49,359 --> 00:21:51,359
Speaker 3: the one who like, don't take less than sixty dollars

433
00:21:51,359 --> 00:21:54,280
Speaker 3: an hour. As for sixty X for sixty, you're gonna

434
00:21:54,320 --> 00:21:57,320
Speaker 3: get it. And that's worth really good for me because

435
00:21:57,320 --> 00:22:00,720
Speaker 3: I was like fully, really proud of myself because I

436
00:22:00,760 --> 00:22:05,680
Speaker 3: had people behind like who are helping me and eventually

437
00:22:05,800 --> 00:22:09,359
Speaker 3: these balls of mine. He retired and I started working

438
00:22:09,359 --> 00:22:12,159
Speaker 3: there in August. In December, he wrote a letter to

439
00:22:12,280 --> 00:22:14,480
Speaker 3: his boss and said I'm going to retire and I

440
00:22:14,520 --> 00:22:15,840
Speaker 3: want to be in my place.

441
00:22:15,880 --> 00:22:17,760
Speaker 2: Oh my gosh, what uh huh?

442
00:22:18,200 --> 00:22:21,000
Speaker 3: And I was like, are you sure because you have

443
00:22:21,080 --> 00:22:24,160
Speaker 3: been doing this for like thirty five years and I'm

444
00:22:24,160 --> 00:22:26,000
Speaker 3: not thirty five years of age.

445
00:22:26,240 --> 00:22:28,360
Speaker 2: No, you don't even look thirty. So that's the money

446
00:22:28,400 --> 00:22:29,720
Speaker 2: win for everybody involved.

447
00:22:29,800 --> 00:22:32,679
Speaker 3: Yes, And I was like, are you sure, and he's like, no,

448
00:22:32,760 --> 00:22:35,760
Speaker 3: I'm sure. You are really good. You're really good. You

449
00:22:35,840 --> 00:22:38,800
Speaker 3: need more. Of course, I'll guide you through it because

450
00:22:38,840 --> 00:22:42,400
Speaker 3: you need experience, but you won't only get experienced by

451
00:22:43,160 --> 00:22:45,920
Speaker 3: doing it, and I want to give you this opportunity.

452
00:22:46,640 --> 00:22:51,800
Speaker 3: And he retired in April twenty twenty two and I

453
00:22:51,840 --> 00:22:53,560
Speaker 3: start working in his position.

454
00:22:53,800 --> 00:22:55,359
Speaker 2: Oh my gosh, and that's how you got to earn

455
00:22:55,400 --> 00:22:56,880
Speaker 2: one hundred and eighty thousand dollars.

456
00:22:57,280 --> 00:23:00,600
Speaker 3: Yes, because and then now I worked there, they didn't

457
00:23:00,600 --> 00:23:02,639
Speaker 3: give me any raises, and then I asked them. I

458
00:23:02,720 --> 00:23:05,480
Speaker 3: was like, oh, I'd been working in this role for

459
00:23:05,560 --> 00:23:08,239
Speaker 3: like five months and I didn't get a raise or

460
00:23:08,400 --> 00:23:11,200
Speaker 3: a letter saying I'm in this role. I'm just getting

461
00:23:11,240 --> 00:23:13,080
Speaker 3: pushed into meetings and asked for.

462
00:23:13,080 --> 00:23:15,600
Speaker 2: Saying, oh, yeah, that's not cool.

463
00:23:15,800 --> 00:23:19,520
Speaker 3: No, no, And I asked for it, and then I said, oh,

464
00:23:19,520 --> 00:23:21,239
Speaker 3: I'm going to see what I'm going to do. And

465
00:23:21,280 --> 00:23:24,560
Speaker 3: then he offered me seventy five dollars an hour.

466
00:23:24,960 --> 00:23:28,120
Speaker 2: Oh my gosh, and now she's rolling in it. I

467
00:23:28,200 --> 00:23:32,040
Speaker 2: cannot believe it. Yes, I'm so proud of you. So

468
00:23:32,119 --> 00:23:35,680
Speaker 2: tell me now, what's your job description and your salary package?

469
00:23:36,119 --> 00:23:40,439
Speaker 3: So I'm a quality manager. Yeah, and I get a

470
00:23:40,440 --> 00:23:43,520
Speaker 3: flat rate which is seventy five an hour. I do

471
00:23:44,119 --> 00:23:49,000
Speaker 3: twelve hour days, so it adds up and yeah plus

472
00:23:49,040 --> 00:23:51,920
Speaker 3: super supernovasion and that's what made.

473
00:23:51,880 --> 00:23:54,560
Speaker 2: Yeah money when and that comes out at one eighty

474
00:23:54,560 --> 00:23:57,240
Speaker 2: grand plus a year depending on how many hours you do.

475
00:23:57,400 --> 00:23:57,800
Speaker 3: Uh huh.

476
00:23:57,840 --> 00:24:00,840
Speaker 2: Yeah, So tell me you are a hustle at heart

477
00:24:01,160 --> 00:24:03,119
Speaker 2: like you are a very good saver. What are you

478
00:24:03,200 --> 00:24:05,400
Speaker 2: now saving for? What's your big money goal?

479
00:24:05,800 --> 00:24:08,520
Speaker 3: I'm saving to buy a house.

480
00:24:08,960 --> 00:24:11,280
Speaker 2: Yes, are you going to live here forever?

481
00:24:11,520 --> 00:24:14,239
Speaker 3: I will live here forever. I'm a seatter now and

482
00:24:14,280 --> 00:24:17,320
Speaker 3: then I'm going to live here forever. So I'm trying

483
00:24:17,320 --> 00:24:20,199
Speaker 3: to buy a house right now. I have everything saved.

484
00:24:20,840 --> 00:24:26,439
Speaker 3: But money wise, I'm very I never made any big purchases.

485
00:24:26,600 --> 00:24:26,760
Speaker 1: Yeah.

486
00:24:26,760 --> 00:24:28,920
Speaker 2: I was gonna say, you need a good mortgage broker.

487
00:24:28,960 --> 00:24:32,520
Speaker 2: I've heard Zella money are fantastic if anybody needs the

488
00:24:32,520 --> 00:24:36,520
Speaker 2: best mortgage brokers in the business. But it's scary, isn't it,

489
00:24:36,840 --> 00:24:39,239
Speaker 2: Especially when you go from not having a lot and

490
00:24:39,320 --> 00:24:43,040
Speaker 2: having to work so hard for every single dollar to them.

491
00:24:43,080 --> 00:24:45,199
Speaker 2: Being in a position where you're earning a lot more,

492
00:24:45,640 --> 00:24:48,240
Speaker 2: do you feel like it can be kind of ripped

493
00:24:48,280 --> 00:24:50,119
Speaker 2: away from you? Because I feel like a lot of

494
00:24:50,160 --> 00:24:53,080
Speaker 2: people in your position that I talk to often like, ah,

495
00:24:53,080 --> 00:24:54,280
Speaker 2: what if it doesn't last?

496
00:24:54,880 --> 00:24:58,320
Speaker 3: Yes, I feel that a lot. I don't do big purchases.

497
00:24:58,440 --> 00:25:01,439
Speaker 3: I never bought a car because I I think that's

498
00:25:01,600 --> 00:25:03,919
Speaker 3: a lot of money. I don't need that I can

499
00:25:04,000 --> 00:25:07,639
Speaker 3: leave without it. And because it's everything is so recent

500
00:25:07,720 --> 00:25:10,920
Speaker 3: and it changes so much and so fast, I often

501
00:25:11,000 --> 00:25:14,840
Speaker 3: feel some conscious like, oh is this gonna last?

502
00:25:15,040 --> 00:25:17,400
Speaker 2: We know it is. You're a hustler, You're not going anywhere.

503
00:25:17,520 --> 00:25:21,080
Speaker 3: Yeah, that's when I was thinking about this and how

504
00:25:21,240 --> 00:25:25,080
Speaker 3: far I came, and how I had to restart again

505
00:25:25,320 --> 00:25:30,320
Speaker 3: so many times, like COVID and I made it. I

506
00:25:30,359 --> 00:25:33,000
Speaker 3: feel like I'll be I'll be. I think I'll be

507
00:25:33,040 --> 00:25:33,760
Speaker 3: all right, I'll be all.

508
00:25:33,720 --> 00:25:37,000
Speaker 2: Right, you will be absolutely fine. I'm so proud of you.

509
00:25:37,320 --> 00:25:40,200
Speaker 2: Does it sometimes make you remember back to that time

510
00:25:40,240 --> 00:25:42,439
Speaker 2: when you were in Brazil laying in your bed, going

511
00:25:42,640 --> 00:25:43,880
Speaker 2: is this even worth it?

512
00:25:44,040 --> 00:25:44,159
Speaker 1: Like?

513
00:25:44,480 --> 00:25:46,320
Speaker 2: I feel like so many of us have been in

514
00:25:46,320 --> 00:25:48,800
Speaker 2: that position where we're like this isn't worth it, nothing's

515
00:25:48,840 --> 00:25:51,120
Speaker 2: working out, and then like a few years down the track,

516
00:25:51,200 --> 00:25:52,199
Speaker 2: look at you killing it.

517
00:25:52,480 --> 00:25:55,879
Speaker 3: Yes. And I also I wanted to share my story

518
00:25:55,960 --> 00:25:58,760
Speaker 3: because some people are like, oh, I see a lot

519
00:25:58,800 --> 00:26:01,760
Speaker 3: in the group. What people like, Oh, I'm twenty five

520
00:26:01,880 --> 00:26:05,680
Speaker 3: and I don't have a house. Oh I'm gonna die.

521
00:26:06,400 --> 00:26:08,399
Speaker 2: Yeah. I know it's dramatic, isn't it. And you're like,

522
00:26:08,760 --> 00:26:09,879
Speaker 2: that doesn't matter.

523
00:26:09,960 --> 00:26:13,520
Speaker 3: That doesn't matter. You can start again and try. I

524
00:26:13,600 --> 00:26:16,600
Speaker 3: never thought about this as being oh I'm so brave

525
00:26:16,920 --> 00:26:20,000
Speaker 3: until everyone was pointed out though, oh you're so brave.

526
00:26:20,280 --> 00:26:24,240
Speaker 3: You're so brave, and I was like, okay, actually maybe

527
00:26:24,480 --> 00:26:27,879
Speaker 3: it is, and yeah, just everyone, you can do it too.

528
00:26:28,200 --> 00:26:30,880
Speaker 2: I feel like it's interesting when people use the word

529
00:26:30,960 --> 00:26:33,120
Speaker 2: brave right, like, please don't get me wrong, I would

530
00:26:33,119 --> 00:26:36,320
Speaker 2: love to be labeled brave, Like being brave is very,

531
00:26:36,480 --> 00:26:40,360
Speaker 2: very impressive. However, I feel like sometimes you get labeled

532
00:26:40,359 --> 00:26:42,679
Speaker 2: brave when you're just doing what you feel like you

533
00:26:42,840 --> 00:26:44,879
Speaker 2: have to do in the moment. You're like, I'm not

534
00:26:45,000 --> 00:26:48,800
Speaker 2: being brave. I just need to live life, and I

535
00:26:48,920 --> 00:26:51,159
Speaker 2: just need money, and I need to put food on

536
00:26:51,200 --> 00:26:54,040
Speaker 2: the table, and arguably that's not that brave. But I

537
00:26:54,080 --> 00:26:57,280
Speaker 2: think it's it's more about being honest with ourselves, like

538
00:26:57,359 --> 00:26:59,920
Speaker 2: so many people give up and to get up every

539
00:27:00,000 --> 00:27:02,000
Speaker 2: single day and just do what you need to do

540
00:27:02,160 --> 00:27:06,520
Speaker 2: and carry you know, whole sampling setups on trams and

541
00:27:06,720 --> 00:27:10,280
Speaker 2: trains and you know, not having a car, like that's brave,

542
00:27:10,480 --> 00:27:13,239
Speaker 2: that is brave. Like lots of people wouldn't do what

543
00:27:13,320 --> 00:27:15,320
Speaker 2: you did, and I think that's why we default to

544
00:27:15,359 --> 00:27:17,919
Speaker 2: this idea of, oh my gosh, that's so brave, and

545
00:27:17,960 --> 00:27:20,800
Speaker 2: that's actually them saying I would never do what you did.

546
00:27:20,880 --> 00:27:24,720
Speaker 2: I don't have that tenacity, and so you kind of go, yeah,

547
00:27:24,920 --> 00:27:27,520
Speaker 2: I do, though yes I do.

548
00:27:27,680 --> 00:27:31,960
Speaker 3: I did. And I feel like, especially in this immigrant community,

549
00:27:32,200 --> 00:27:35,040
Speaker 3: there are a lot of people here who are by themselves,

550
00:27:35,119 --> 00:27:38,560
Speaker 3: but they only see people who have partners driving because

551
00:27:38,560 --> 00:27:41,959
Speaker 3: it's easier when you have someone to be your financial

552
00:27:42,200 --> 00:27:45,560
Speaker 3: and emotional support. And I think it's good to spread

553
00:27:45,560 --> 00:27:48,000
Speaker 3: this message that you can do it on your own too.

554
00:27:48,560 --> 00:27:51,040
Speaker 3: I was not alone, like people are like, you're doing

555
00:27:51,080 --> 00:27:54,880
Speaker 3: all by yourself, and I'm like no, I had friends

556
00:27:55,320 --> 00:27:59,600
Speaker 3: and my friends and then the family, and my friends

557
00:27:59,600 --> 00:28:02,919
Speaker 3: help me so much. They were like always sporting me

558
00:28:02,960 --> 00:28:05,440
Speaker 3: and saying you can do all this. You are amazing.

559
00:28:05,920 --> 00:28:09,720
Speaker 3: They gave me a lot of support, so yeah, everyone

560
00:28:09,760 --> 00:28:10,760
Speaker 3: can do it, I think so.

561
00:28:11,000 --> 00:28:13,080
Speaker 2: No, I'm obsessed. I'm obsessed. Let's go to a really

562
00:28:13,119 --> 00:28:14,880
Speaker 2: quick break on the flip side. I have a few

563
00:28:14,880 --> 00:28:21,640
Speaker 2: more questions for you, So guys, don't go anywhere, all right,

564
00:28:21,720 --> 00:28:25,280
Speaker 2: money diarist, we out back and your story is incredible.

565
00:28:25,359 --> 00:28:27,640
Speaker 2: But I want to know do you have any investments?

566
00:28:27,720 --> 00:28:30,600
Speaker 2: If so, what are they? If not, do you have plans?

567
00:28:31,160 --> 00:28:35,040
Speaker 3: I do have investments, of course you do. I went

568
00:28:35,080 --> 00:28:39,520
Speaker 3: to a financial advisor. Oh you queen, Yes, because I'm

569
00:28:39,560 --> 00:28:40,520
Speaker 3: a planner. You are right.

570
00:28:40,560 --> 00:28:42,240
Speaker 2: I mean your dad instilled in you that you had

571
00:28:42,280 --> 00:28:44,240
Speaker 2: to have a spreadsheet, so I'm not surprised.

572
00:28:44,920 --> 00:28:48,880
Speaker 3: I have ten thousand dollars in shares.

573
00:28:49,040 --> 00:28:52,000
Speaker 2: No you don't. Yeah, oh my gosh, I love this

574
00:28:52,200 --> 00:28:52,600
Speaker 2: for you.

575
00:28:52,840 --> 00:28:55,719
Speaker 3: Uh huh. So I saved seventy thousand dollars.

576
00:28:56,120 --> 00:28:58,800
Speaker 2: No you didn't, So, no you didn't. Yes, so you

577
00:28:59,080 --> 00:29:01,280
Speaker 2: you came to Australia, you with like one thousand dollars

578
00:29:01,320 --> 00:29:04,640
Speaker 2: and did air task of tasks and now you are

579
00:29:04,720 --> 00:29:08,600
Speaker 2: earning one to eighty plus plus super You have ten

580
00:29:08,640 --> 00:29:11,880
Speaker 2: grand in shares and you've saved seventy grand. Yes, you're

581
00:29:11,880 --> 00:29:12,440
Speaker 2: a queen.

582
00:29:13,240 --> 00:29:15,840
Speaker 3: Sometimes I think, oh, for the amount of money I make,

583
00:29:15,920 --> 00:29:19,120
Speaker 3: I could be saving more. But I think I did

584
00:29:19,200 --> 00:29:23,080
Speaker 3: really well with my savings because I travel a lot

585
00:29:23,200 --> 00:29:25,560
Speaker 3: this year. I went to Europe, I went to Bali,

586
00:29:25,640 --> 00:29:26,400
Speaker 3: I went to Thailand.

587
00:29:26,720 --> 00:29:28,760
Speaker 2: Oh my gosh, you've still got seventy grand in savings.

588
00:29:29,280 --> 00:29:31,120
Speaker 2: Oh my gosh. All right, well, we need to take

589
00:29:31,160 --> 00:29:33,760
Speaker 2: all of our tips and tricks from you. I love

590
00:29:33,840 --> 00:29:37,320
Speaker 2: this so much. Do you have any debt? No, no debt.

591
00:29:37,440 --> 00:29:39,680
Speaker 2: I've never been in debt. You've always just been a hustler.

592
00:29:39,840 --> 00:29:43,440
Speaker 3: No. I had like a credit card to buy my

593
00:29:43,920 --> 00:29:48,520
Speaker 3: MacBook and it was like two thousand dollars and that

594
00:29:48,720 --> 00:29:52,400
Speaker 3: was it. I don't have any credit card debt, loans

595
00:29:52,600 --> 00:29:56,120
Speaker 3: or car repayments, and I don't have a mortgage yet

596
00:29:56,120 --> 00:29:56,880
Speaker 3: so yet.

597
00:29:57,240 --> 00:29:59,280
Speaker 2: Yeah, but that would be good debt when that happens.

598
00:29:59,360 --> 00:30:01,680
Speaker 3: Yes, when when it happens, it will be good. But

599
00:30:02,280 --> 00:30:05,320
Speaker 3: at the moment, I don't have anything, just my investment.

600
00:30:05,480 --> 00:30:07,120
Speaker 2: So tell me. I feel like we have so much

601
00:30:07,120 --> 00:30:09,360
Speaker 2: to learn from you. What is your best money habit?

602
00:30:09,960 --> 00:30:13,040
Speaker 3: My best money habit at the moment is the thing

603
00:30:13,120 --> 00:30:15,160
Speaker 3: that at the beginning of the year, I didn't have

604
00:30:15,200 --> 00:30:15,880
Speaker 3: a lot of savings.

605
00:30:15,960 --> 00:30:18,360
Speaker 2: Wait, so you've done most of these seventy thousand dollars

606
00:30:18,400 --> 00:30:22,440
Speaker 2: in the last twelve months. Yes, you're crazy. I love it.

607
00:30:21,120 --> 00:30:25,680
Speaker 3: It's because after I got my job and I was

608
00:30:25,720 --> 00:30:28,080
Speaker 3: just went crazy. I was like, oh my god. You

609
00:30:28,120 --> 00:30:30,440
Speaker 3: know when you were on a diet and then you

610
00:30:30,480 --> 00:30:32,560
Speaker 3: stop dieting and they were over.

611
00:30:32,400 --> 00:30:34,080
Speaker 2: Eating, and you're like, I can go out to a

612
00:30:34,120 --> 00:30:34,800
Speaker 2: restaurant now.

613
00:30:35,320 --> 00:30:38,640
Speaker 3: Yes. The thing that helped me a lot was getting

614
00:30:39,040 --> 00:30:42,680
Speaker 3: paid in a different account. So I opened this account.

615
00:30:43,000 --> 00:30:44,760
Speaker 3: I started getting paid p in that account that I

616
00:30:44,800 --> 00:30:47,880
Speaker 3: don't see, and then from the account, I get my

617
00:30:48,080 --> 00:30:52,520
Speaker 3: expenses that I planned, and I pay myself weekly and

618
00:30:52,560 --> 00:30:55,400
Speaker 3: I have to use only that money. And that helped

619
00:30:55,400 --> 00:30:59,320
Speaker 3: me a lot, not too just seeing money in my

620
00:30:59,320 --> 00:31:02,400
Speaker 3: bank account, like, oh, I can't afford another T shirt.

621
00:31:02,800 --> 00:31:05,200
Speaker 2: Yeah, so I am guilty if that. That's why I

622
00:31:05,240 --> 00:31:07,560
Speaker 2: had to like create my budget and cash flow like

623
00:31:07,600 --> 00:31:10,560
Speaker 2: spending plan, because if I didn't do that, I would

624
00:31:10,560 --> 00:31:12,520
Speaker 2: have just spent whatever was in my account. I'd be like, well,

625
00:31:12,520 --> 00:31:15,840
Speaker 2: it's there for me. I told you before. I'm a Kancian.

626
00:31:15,880 --> 00:31:17,560
Speaker 2: I deserve a little treaty treat I have to have

627
00:31:17,640 --> 00:31:18,640
Speaker 2: all my stuff taken off me.

628
00:31:18,880 --> 00:31:22,400
Speaker 3: Yes, and you're like, oh, what is it? Hundred dollars,

629
00:31:22,520 --> 00:31:24,160
Speaker 3: It won't matter. I had so much.

630
00:31:24,280 --> 00:31:26,800
Speaker 2: Yes, it matters. It matters. It matters so much.

631
00:31:26,880 --> 00:31:29,680
Speaker 3: It mattered so much. And another thing that I think

632
00:31:29,680 --> 00:31:32,680
Speaker 3: it really helped me is I had a lady who

633
00:31:32,720 --> 00:31:36,960
Speaker 3: does a consulting for your word group, so she would

634
00:31:37,000 --> 00:31:40,160
Speaker 3: see your clothes and she she's a personal shopper, and

635
00:31:40,240 --> 00:31:44,560
Speaker 3: she I was buying a lot of because I grew

636
00:31:44,640 --> 00:31:47,360
Speaker 3: so much. I was not seeing myself in my clothes,

637
00:31:47,600 --> 00:31:50,840
Speaker 3: and I was buying random clothes that didn't suit me,

638
00:31:51,520 --> 00:31:53,720
Speaker 3: were not my style, just because they were cheap or

639
00:31:54,320 --> 00:31:59,520
Speaker 3: and she helped me into only buy what I really need,

640
00:32:00,360 --> 00:32:02,680
Speaker 3: and that helped me not buying a lot.

641
00:32:02,880 --> 00:32:05,719
Speaker 2: I love this. So you've gone from being like a

642
00:32:05,760 --> 00:32:08,920
Speaker 2: broke Brazilian student with one thousand dollars to being a

643
00:32:08,960 --> 00:32:12,040
Speaker 2: baller who owns one eighty, who's very very well dressed.

644
00:32:12,080 --> 00:32:14,880
Speaker 2: I love this. Look at you go. Now you're just

645
00:32:14,920 --> 00:32:16,040
Speaker 2: like a fashion queen.

646
00:32:16,720 --> 00:32:19,640
Speaker 3: Uh huh. And now I also I make more. I'm

647
00:32:19,680 --> 00:32:23,440
Speaker 3: more conscious about what I buy, so sometimes I have

648
00:32:23,920 --> 00:32:26,480
Speaker 3: I see something on TikTok, like, oh, I have to

649
00:32:26,520 --> 00:32:31,239
Speaker 3: buy this foundation because it makes your ski glow. And

650
00:32:31,240 --> 00:32:33,200
Speaker 3: then I'm like, I have to buy this. There's only

651
00:32:33,240 --> 00:32:36,520
Speaker 3: sixty dollars. It won't affect me too much. And then

652
00:32:36,960 --> 00:32:41,640
Speaker 3: I wait, I save this in my interest wish list. Yes,

653
00:32:42,120 --> 00:32:44,360
Speaker 3: And I think about it for a while and I

654
00:32:44,400 --> 00:32:45,240
Speaker 3: don't forget about it.

655
00:32:45,320 --> 00:32:46,920
Speaker 2: Yeah, I know that's me. I forget about it. If

656
00:32:46,960 --> 00:32:48,800
Speaker 2: I don't buy it in the moment, I've already forgotten

657
00:32:48,800 --> 00:32:51,240
Speaker 2: about it. And sometimes I do buy it in the moment,

658
00:32:51,680 --> 00:32:53,400
Speaker 2: and then I forget about it and then it arrives

659
00:32:53,480 --> 00:32:54,840
Speaker 2: my house and I'm like, why did I buy that.

660
00:32:56,800 --> 00:32:57,360
Speaker 3: Free gifts?

661
00:32:57,400 --> 00:32:59,240
Speaker 2: Why did I do that? I should have thought about

662
00:32:59,280 --> 00:33:01,320
Speaker 2: this more. I meant to be the person that runs

663
00:33:01,360 --> 00:33:04,160
Speaker 2: ches on the money, like I should be better at money. Yes,

664
00:33:04,560 --> 00:33:06,920
Speaker 2: So would that lean into your worst money habit? What

665
00:33:07,080 --> 00:33:08,240
Speaker 2: is your worst money habit?

666
00:33:08,280 --> 00:33:11,280
Speaker 3: My love my worst money habit? There are two, which

667
00:33:11,320 --> 00:33:13,600
Speaker 3: is traveling. I do like my trouble.

668
00:33:13,680 --> 00:33:15,680
Speaker 2: That's not a bad money habit. No, I love that.

669
00:33:15,680 --> 00:33:17,360
Speaker 2: That's a good money habit. I'm not letting that be

670
00:33:17,400 --> 00:33:20,120
Speaker 2: a bad money habit. That's life experiences.

671
00:33:20,680 --> 00:33:24,280
Speaker 3: I'm not very stingy with my money. So I try

672
00:33:24,280 --> 00:33:27,040
Speaker 3: to help my friends and I give them money, which

673
00:33:27,080 --> 00:33:29,400
Speaker 3: is it's a bad thing for my finances, but it's

674
00:33:29,400 --> 00:33:30,280
Speaker 3: a good thing for them.

675
00:33:30,520 --> 00:33:32,600
Speaker 2: But it's also a good thing. You sound like such

676
00:33:32,600 --> 00:33:37,000
Speaker 2: a wholesome human being, Like you are so generous and kind,

677
00:33:37,360 --> 00:33:38,800
Speaker 2: Like is that not nice?

678
00:33:39,160 --> 00:33:42,000
Speaker 3: Yes, it's nice. It's bad for my money, but I'll

679
00:33:42,040 --> 00:33:44,640
Speaker 3: have some friends because I can't count on all my

680
00:33:44,720 --> 00:33:48,520
Speaker 3: parents to give me this money support. Like if I'm struggling,

681
00:33:48,720 --> 00:33:50,640
Speaker 3: I know if I have you with they will help me.

682
00:33:51,160 --> 00:33:54,000
Speaker 3: And I know that a lot of people don't have this, And.

683
00:33:54,200 --> 00:33:57,040
Speaker 2: I feel I'm not letting that be a bad money habit.

684
00:33:57,200 --> 00:33:59,840
Speaker 2: I know, absolutely not. It's too kind. Yeah, I feel

685
00:33:59,880 --> 00:34:02,080
Speaker 2: like it could be a bad money habit, but like,

686
00:34:02,600 --> 00:34:05,120
Speaker 2: let's reframe it. Does that make you feel good? Like

687
00:34:05,200 --> 00:34:07,600
Speaker 2: does it make you feel like you're supporting your friends

688
00:34:07,600 --> 00:34:10,239
Speaker 2: and like your community, and like I feel like that's

689
00:34:10,280 --> 00:34:12,920
Speaker 2: a good money habit, Like I feel like more people

690
00:34:13,000 --> 00:34:15,720
Speaker 2: should give and if it's supporting those that you already

691
00:34:15,760 --> 00:34:17,440
Speaker 2: know and love, like, is that not great?

692
00:34:17,880 --> 00:34:21,440
Speaker 3: Yeah? I think it is. It's just if I can help.

693
00:34:21,320 --> 00:34:23,280
Speaker 2: Just because lots of other people don't do it doesn't

694
00:34:23,280 --> 00:34:25,520
Speaker 2: make it a bad money habit for you to do it.

695
00:34:25,719 --> 00:34:30,359
Speaker 3: Yes, it's just these two were the the two things

696
00:34:30,360 --> 00:34:32,920
Speaker 3: that I spend most of my money in things that

697
00:34:32,960 --> 00:34:36,279
Speaker 3: I shouldn't suppose to. Yeah, and sometimes you know the

698
00:34:36,320 --> 00:34:41,160
Speaker 3: occasional shopping and you're like, uh, yeah, it's a lipstick. Oh.

699
00:34:41,239 --> 00:34:43,960
Speaker 2: I'm so obsessed with like lip tints at the moment

700
00:34:44,040 --> 00:34:46,680
Speaker 2: because of TikTok. Like I'm seeing all these girls on

701
00:34:46,719 --> 00:34:49,080
Speaker 2: TikTok with beautiful lip tints and I don't own one

702
00:34:49,160 --> 00:34:52,160
Speaker 2: lip tint yet, but I know I need to. And

703
00:34:52,200 --> 00:34:54,200
Speaker 2: I have this like list in my phone of all

704
00:34:54,239 --> 00:34:56,759
Speaker 2: these like lip tint companies and usually they are like

705
00:34:56,960 --> 00:34:59,080
Speaker 2: Korean brands. So now I've got to find a way

706
00:34:59,120 --> 00:35:01,440
Speaker 2: to buy them, but I want to try them first. Anyway,

707
00:35:01,600 --> 00:35:03,960
Speaker 2: it's very very complex, but I totally get it.

708
00:35:04,239 --> 00:35:06,120
Speaker 3: Yes, it is. It is complex.

709
00:35:06,200 --> 00:35:07,839
Speaker 2: I can't agree with you though, that that's a bad

710
00:35:07,880 --> 00:35:08,400
Speaker 2: money habit.

711
00:35:08,800 --> 00:35:11,719
Speaker 3: Yeah, Like that's the bad money habit. And I think

712
00:35:11,719 --> 00:35:15,440
Speaker 3: I do I should invest more. But because of the

713
00:35:15,440 --> 00:35:19,080
Speaker 3: country I came from, the economic situation is not as

714
00:35:19,080 --> 00:35:21,439
Speaker 3: good as in Australian. There's not as tables in here.

715
00:35:22,040 --> 00:35:24,319
Speaker 3: When they ask me oh we have to do see

716
00:35:24,360 --> 00:35:28,359
Speaker 3: your investor profile. And I'm like, I'm very conservative.

717
00:35:28,440 --> 00:35:31,120
Speaker 2: Conservative. Yeah, I'm not surprised. I'm not surprised.

718
00:35:31,120 --> 00:35:33,520
Speaker 3: They're like, you cannot be conservative. I'm like, this is

719
00:35:33,560 --> 00:35:34,680
Speaker 3: the only part of my life.

720
00:35:34,680 --> 00:35:37,520
Speaker 2: I'm conservative, But this is my money story. This is

721
00:35:37,560 --> 00:35:38,680
Speaker 2: how I've grown up.

722
00:35:39,000 --> 00:35:41,680
Speaker 3: Uh yeah, I think it's because of where I came from.

723
00:35:41,760 --> 00:35:44,080
Speaker 2: But those are goals for the future. Yeah, those are goals.

724
00:35:44,120 --> 00:35:47,239
Speaker 2: Like investing more is a goal. It's not a letdown, right,

725
00:35:47,360 --> 00:35:49,360
Speaker 2: Like that's something that we can do, not something that

726
00:35:49,400 --> 00:35:51,800
Speaker 2: we crucify ourselves for not doing already.

727
00:35:51,920 --> 00:35:55,200
Speaker 3: Right, I bought the book that she's on the Money Investment.

728
00:35:55,360 --> 00:35:58,480
Speaker 2: Oh my gosh, thank you. That is so kind. All Right,

729
00:35:58,640 --> 00:36:01,920
Speaker 2: so your money still is crazy. You arrived from Brazil

730
00:36:02,000 --> 00:36:05,400
Speaker 2: five years ago, hustled your way up to one hundred

731
00:36:05,400 --> 00:36:08,440
Speaker 2: and eighty thousand dollars. You've got some good money habits.

732
00:36:08,560 --> 00:36:12,400
Speaker 2: You have saved seventy thousand dollars despite traveling, and you

733
00:36:12,480 --> 00:36:14,759
Speaker 2: have ten grand in shares because you were smart enough

734
00:36:14,760 --> 00:36:17,200
Speaker 2: to see a financial advisor and get those ducks in

735
00:36:17,239 --> 00:36:20,720
Speaker 2: a row. You're planning on buying a house. Literally, hustled

736
00:36:20,719 --> 00:36:23,360
Speaker 2: more than anyone I have met in the recent times.

737
00:36:24,000 --> 00:36:26,160
Speaker 2: You think that your worst money habits is being too

738
00:36:26,280 --> 00:36:28,600
Speaker 2: nice to your friends. And at the start of this

739
00:36:28,680 --> 00:36:32,160
Speaker 2: episode you said, my money grade I think is a bee. Okay,

740
00:36:32,440 --> 00:36:34,520
Speaker 2: I'm not gonna argue with you, but what would it

741
00:36:34,680 --> 00:36:37,440
Speaker 2: take to get to an A or an A plus.

742
00:36:37,719 --> 00:36:40,160
Speaker 3: I think if I went back to what my dad

743
00:36:40,160 --> 00:36:41,920
Speaker 3: said about spreadsheets.

744
00:36:41,320 --> 00:36:43,080
Speaker 2: I can help you there. I can help you there.

745
00:36:43,160 --> 00:36:45,160
Speaker 2: I have a very good one. I'll gift you our

746
00:36:45,280 --> 00:36:48,399
Speaker 2: money master class, and then you can go through all

747
00:36:48,440 --> 00:36:51,000
Speaker 2: of that and it will sort you out and then automatically,

748
00:36:51,080 --> 00:36:52,280
Speaker 2: I think that makes you an A plus.

749
00:36:52,440 --> 00:36:54,759
Speaker 3: Yes, that'd be great. Thank you.

750
00:36:55,120 --> 00:36:58,000
Speaker 2: Oh my gosh. Of course I am so proud of

751
00:36:58,040 --> 00:37:00,680
Speaker 2: you already, and I do genuinely think if you're feeling

752
00:37:00,719 --> 00:37:02,840
Speaker 2: a bit, what I'm getting from this story is that

753
00:37:02,880 --> 00:37:05,160
Speaker 2: you're just feeling a bit like I'm doing what I

754
00:37:05,160 --> 00:37:07,480
Speaker 2: think I need to do, but you don't actually have

755
00:37:07,600 --> 00:37:09,880
Speaker 2: like a solid plan or you didn't listen to your

756
00:37:09,920 --> 00:37:12,960
Speaker 2: data in spreadsheet enough. But I feel like you don't

757
00:37:12,960 --> 00:37:15,360
Speaker 2: have enough of a like solid like No, this is

758
00:37:15,400 --> 00:37:17,400
Speaker 2: my cash flow, this is where this goes, this is

759
00:37:17,400 --> 00:37:19,719
Speaker 2: what this goal is working towards like I think we

760
00:37:19,800 --> 00:37:23,239
Speaker 2: need that like money system to make us, I guess,

761
00:37:23,280 --> 00:37:27,200
Speaker 2: feel really empowered. So it's not necessarily about going, oh, well,

762
00:37:27,200 --> 00:37:28,560
Speaker 2: I have money coming in and I put it in

763
00:37:28,600 --> 00:37:31,240
Speaker 2: my savings full stop. It's kind of like, well, actually,

764
00:37:31,320 --> 00:37:33,880
Speaker 2: my cash flow system takes into consideration that I have

765
00:37:34,239 --> 00:37:36,960
Speaker 2: these savings goals for travel, this savings goal for the

766
00:37:37,000 --> 00:37:39,400
Speaker 2: future house I want to buy, this savings goal for

767
00:37:39,520 --> 00:37:41,760
Speaker 2: maybe a car or something that you want to achieve

768
00:37:41,800 --> 00:37:44,279
Speaker 2: in the future, And every single time you look at it,

769
00:37:44,320 --> 00:37:46,600
Speaker 2: you go, no, I'm working towards my goals. I'm saving,

770
00:37:46,640 --> 00:37:49,040
Speaker 2: I'm investing like it just makes you It's a lot

771
00:37:49,080 --> 00:37:51,920
Speaker 2: more visible, right and it means that you feel like

772
00:37:51,960 --> 00:37:53,799
Speaker 2: you're on track, because right now, I'm sure if you

773
00:37:53,800 --> 00:37:56,360
Speaker 2: talk to your financial advisor, they'd be like money darist,

774
00:37:56,400 --> 00:37:59,360
Speaker 2: You're fine. But that's not how you feel if you

775
00:37:59,360 --> 00:38:00,600
Speaker 2: don't have a plan, right.

776
00:38:00,840 --> 00:38:04,320
Speaker 3: No, it's when you go to see a financial advisor.

777
00:38:04,680 --> 00:38:07,799
Speaker 3: I think it's very broad to what they present to you,

778
00:38:08,560 --> 00:38:11,960
Speaker 3: and it's just like seeing a mortgage broker. They're like, oh,

779
00:38:12,000 --> 00:38:14,799
Speaker 3: you have to choose a suburb you like, and I'm like,

780
00:38:15,840 --> 00:38:19,600
Speaker 3: are you kidding me? There are how many twenty thousand

781
00:38:19,640 --> 00:38:24,520
Speaker 3: suburbs in Australia hops you to lay it down to five?

782
00:38:24,880 --> 00:38:28,000
Speaker 2: Yeah, that's fair, Samuch Yeah, I think you need to

783
00:38:28,000 --> 00:38:29,640
Speaker 2: just create a plan. So I'm going to set you

784
00:38:29,680 --> 00:38:32,080
Speaker 2: up with that, which I'm really excited about. If anyone's

785
00:38:32,080 --> 00:38:34,520
Speaker 2: listening and actually wants to set themselves up with that,

786
00:38:35,000 --> 00:38:38,280
Speaker 2: use the discount code pod five zero so pod fifty

787
00:38:38,320 --> 00:38:40,239
Speaker 2: and it'll give you fifty bucks off. We'll make sure

788
00:38:40,239 --> 00:38:41,840
Speaker 2: that the link to that is in the show notes

789
00:38:41,840 --> 00:38:45,279
Speaker 2: as well. But Money Diarist, I'm so proud of you.

790
00:38:45,320 --> 00:38:47,279
Speaker 2: I just want to be your best friend. So next

791
00:38:47,280 --> 00:38:49,279
Speaker 2: time you're in Melbourne, we're going to go out for

792
00:38:49,360 --> 00:38:52,279
Speaker 2: a drink. But thank you so much for sharing this

793
00:38:52,360 --> 00:38:54,560
Speaker 2: story with our community. I know they're going to love it.

794
00:38:54,640 --> 00:38:56,480
Speaker 2: I know they're going to be as obsessed with you

795
00:38:56,560 --> 00:38:59,680
Speaker 2: as I am. But it's really special that you wanted

796
00:38:59,680 --> 00:39:00,319
Speaker 2: to share this.

797
00:39:00,480 --> 00:39:03,400
Speaker 3: Hi. Thank you. I love the show and I'm so

798
00:39:03,560 --> 00:39:07,720
Speaker 3: happy to share. And I like one of my goals

799
00:39:08,120 --> 00:39:09,960
Speaker 3: is to empower other women.

800
00:39:10,239 --> 00:39:12,120
Speaker 2: You're doing that, you're winning.

801
00:39:12,640 --> 00:39:14,960
Speaker 3: So I want them. If anyone wants to talk to

802
00:39:15,000 --> 00:39:19,600
Speaker 3: me about being your money and developing your career, there

803
00:39:20,520 --> 00:39:22,880
Speaker 3: I'm always up to it and I'm in the group.

804
00:39:22,920 --> 00:39:25,239
Speaker 2: Oh my gosh, I love that. All right, Well, if

805
00:39:25,239 --> 00:39:27,719
Speaker 2: anyone wants to talk to our money Direst, shoot me

806
00:39:27,719 --> 00:39:29,759
Speaker 2: a message and alah, hook the two of you up.

807
00:39:29,960 --> 00:39:30,839
Speaker 3: Oh thank you.

808
00:39:37,239 --> 00:39:39,760
Speaker 5: The advice shared on She's on the Money is general

809
00:39:39,840 --> 00:39:43,680
Speaker 5: in nature and does not consider your individual circumstances. She's

810
00:39:43,719 --> 00:39:47,200
Speaker 5: on the Money exists purely for educational purposes and should

811
00:39:47,200 --> 00:39:50,360
Speaker 5: not be relied upon to make an investment or financial decision.

812
00:39:50,760 --> 00:39:53,239
Speaker 5: If you do choose to buy a financial product, read

813
00:39:53,239 --> 00:39:56,560
Speaker 5: the PDS TMD and obtain appropriate financial.

814
00:39:56,160 --> 00:39:57,960
Speaker 2: Advice tailored towards your needs.

815
00:39:58,320 --> 00:40:02,240
Speaker 5: Victoria Divine and She's All the Money are authorized representatives

816
00:40:02,280 --> 00:40:04,640
Speaker 5: of money sirper P T y L t D A

817
00:40:04,760 --> 00:40:07,680
Speaker 5: b N three two one six four nine two seven

818
00:40:07,760 --> 00:40:10,640
Speaker 5: seven zero eight a F s L four five one

819
00:40:10,840 --> 00:40:12,400
Speaker 5: two eight nine