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

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Speaker 1: the Order Kerney Whalbury 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. The podcast

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Speaker 2: are millennials who want financial freedom. Welcome back to another

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Speaker 2: one of our money diaries where I get the absolute

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Speaker 2: opportunity to talk to one of our incredible She's on

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Speaker 2: the Money community members all about their journey. Let's jump

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Speaker 2: straight into it because this week I got a message

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Speaker 2: and it sounded a lot like this. Hi, Victoria. I

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Speaker 2: grew up sharing a bedroom with my mum and two siblings.

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Speaker 2: I'm now twenty one, I own three properties, I'm married

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Speaker 2: and I just gave birth to a beautiful baby girl.

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Speaker 2: I cannot wait to share my tale of hard work

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Speaker 2: and hustle with the community. Money Diarist, I cannot wait

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Speaker 2: for you to share your story with us. What the

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Speaker 2: hecking you're twenty one?

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Speaker 4: Yes, well that's been insane hearing it back.

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Speaker 2: You're twenty one and own three properties and have a

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Speaker 2: baby andremou I have so many questions. I'm very excited

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Speaker 2: about this though. So let's start the show as we

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Speaker 2: always do, before you dive into who you are and

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Speaker 2: what you're about, because I definitely am going to take

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Speaker 2: this show right there. I want to know first things first,

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Speaker 2: what would you grade your money habits if I asked

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Speaker 2: you to give them a grade from A through to F.

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Speaker 4: So I had a big think about this after listening

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Speaker 4: to a lot of money stories and a lot of

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Speaker 4: people grading themselves because you very you know, adamant on

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Speaker 4: how you grade yourselves. So for me, I would grade

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Speaker 4: myself an A midas.

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Speaker 2: Ooh, and she's really good at money. This episode is

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Speaker 2: going to be leased. I cannot wait, Money Darist, I'm

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Speaker 2: very excited. Let's just jump straight in. Can you tell

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Speaker 2: me a bit more about your money story? And I

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Speaker 2: guess your journey in general.

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Speaker 4: Yeah, so I grew up with divorce parents. My parents

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Speaker 4: divorce when I was quite young. My mum she had

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Speaker 4: a stable job, had a government job, you know, but

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Speaker 4: pretty much lived paycheck to paycheck. So we actually ended

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Speaker 4: up pretty much when I was in high school living

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Speaker 4: in my auntie's house. We were all in like one bedroom,

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Speaker 4: kind of like a built in garage situation. It was

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Speaker 4: my mom, my brother, my younger sister. From there, I

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Speaker 4: kind of just was like, I don't want to have

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Speaker 4: this life when I grow up, if you know, that

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Speaker 4: kind of makes sense. So pretty much throughout all of

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Speaker 4: high school I worked insanely hard in terms of I

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Speaker 4: worked like I would say, over thirty hours a week

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Speaker 4: while I was still in school, which is just ridiculous

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Speaker 4: to think about it.

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Speaker 2: You're crazy. Yeah, And like when you think about these

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Speaker 2: things in hindsight, like I remember looking back on like

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Speaker 2: how I managed UNI and work, and I was working

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Speaker 2: a full time job and doing full time UNI, and

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Speaker 2: now I cannot think of how I actually managed that

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Speaker 2: and had a social life. Do you look back and go,

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Speaker 2: that's insane.

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Speaker 4: I didn't have a social life, So I think that

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Speaker 4: was the main thing in high school. That's helpful. Yeah,

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Speaker 4: that really cut out. You know. Instead of partying on

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Speaker 4: Saturday nights, I was working on Saturday nights.

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Speaker 2: So it you know, what kind of jobs did you have?

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Speaker 4: So I mainly did. I always did two. So I

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Speaker 4: would always do like a retail and a hospitality job

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Speaker 4: because I would get bored of one.

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Speaker 2: I did the same thing and I would get bored

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Speaker 2: of them. But also you can like double back them. Yeah,

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Speaker 2: so like you would like work through retail one during

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Speaker 2: the day in the hospital one at night. I thought

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Speaker 2: I was hacking the system exactly.

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Speaker 4: You could like get the penalty rates on the certain

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Speaker 4: days whichever's going to be better. That's what I did.

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Speaker 2: Yeah, I always worked Sundays in retail because it was

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Speaker 2: double time and a half. Of course I want that

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Speaker 2: Sunday Sunday exactly.

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Speaker 4: And I was under eighteen, so I worked in like

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Speaker 4: an RSL, which in Queensland where I am, you had

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Speaker 4: to get paid at eighteen year old rate because you're serving,

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Speaker 4: you're dealing with alcohol.

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Speaker 2: Perfecto, stunning.

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Speaker 4: I love that good hack for people.

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Speaker 2: So you're working two jobs in high school, thirty hours

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Speaker 2: a week. Then what happened?

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Speaker 4: Then I I'd always been told to go to university,

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Speaker 4: so I was quite an academic student. I got a

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Speaker 4: good op. I got into the degree I wanted to

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Speaker 4: get into, which was a Bachelor of Law and a

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Speaker 4: Bachelor of Business or a double degree. That's what my

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Speaker 4: mum wanted me to do. That was the kind of

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Speaker 4: career path she had had in terms of going to

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Speaker 4: UNI getting a job. I pretty much got into that

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Speaker 4: and I hated it. It was horrible. I really didn't

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Speaker 4: like studying at UNI. COVID hit at the time because

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Speaker 4: it was twenty twenty when I was my first year

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Speaker 4: of UNI.

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Speaker 2: The idea that you've gone through UNI and COVID it

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Speaker 2: was happening at the same time and you're now out

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Speaker 2: of UNI and I'm married, didn't have a baby, blows

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Speaker 2: my mind.

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Speaker 4: Oh, it was such like I just yeah, I did

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Speaker 4: not like it at all. But I'm not a person

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Speaker 4: that gives up. So I kind of had this epiphany

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Speaker 4: when I was eighteen. So I turned eighteen and twenty

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Speaker 4: twenty when I had a heap of cash because I

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Speaker 4: had worked and didn't really spend any money. I was

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Speaker 4: at the time kind of living at home, kind of

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Speaker 4: not living at home. And that's when I decided, Oh,

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Speaker 4: I might just buy my first property. I didn't want

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Speaker 4: to tell anyone.

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Speaker 2: Oh I might just buy my first house. Yeah that

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Speaker 2: makes sense.

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Speaker 4: Yeah, might just by it, didn't actually tell anyone, didn't

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Speaker 4: tell my mom, didn't tell any single person. No one

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Speaker 4: knew I'd bought this property at all. Yeah, you didn't even.

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Speaker 2: Tell your mom. You were like, oh, by the way, didn't.

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Speaker 4: Tell my mom. At that point in time, i'd moved

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Speaker 4: out and then COVID hit, so I lost all my

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Speaker 4: jobs with hospitality, so I had moved back, I know.

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Speaker 4: So it was a bit stressful ward moved back into

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Speaker 4: my parents' place.

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Speaker 2: But no one knew you had a mortgage.

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Speaker 4: No, Yeah, And then I had bought a place, like

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Speaker 4: probably it was in the middle of the years. I

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Speaker 4: bought a place around like June twenty twenty, and no

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Speaker 4: one knew at all. It was kind of a big

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Speaker 4: secret until I got things in Queensland. Kind of came

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Speaker 4: back quite quickly, and I was doing it overnight shift

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Speaker 4: in like Pokis, so like it's a six am to

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Speaker 4: five am, and at like seven pm, I just get

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Speaker 4: a I get a like a picture sent through from

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Speaker 4: my mom of like a bill from the property I owned,

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Speaker 4: and it had come to her house accidentally, and so

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Speaker 4: she'd found out about this property. And I still had

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Speaker 4: so many hours to go, and it was just like,

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Speaker 4: please come talk to me when you get home. It

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Speaker 4: was like five am when I got home after working

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Speaker 4: a big shift. Wasn't fun.

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Speaker 2: Why did you want to keep that a secret? Why

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Speaker 2: did you not want to tell anybody? Because like I

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Speaker 2: feel like that's the exact opposite of everyone in our community.

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Speaker 2: Like once you've gotten to that point of being able

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Speaker 2: to buy a house, like we are celebrating my friend,

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Speaker 2: like we want to tell everybody that we've achieved this

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Speaker 2: massive goal. And you're like, oh, by the way, absolutely

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Speaker 2: not not even going to tell my mom.

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Speaker 4: The funny thing is when I say didn't tell anyone,

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Speaker 4: I didn't tell anyone personal. So my mom didn't believe

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Speaker 4: in buying properties and things that she believed in spend

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Speaker 4: your money when you have it, when you're young, have fun.

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Speaker 4: It's not really my mentality. But I actually and I

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Speaker 4: went back and looked at this morning. I actually did

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Speaker 4: a post on She's and the money, and like got

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Speaker 4: a heap of reaction. It was like five thousand people reacted.

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Speaker 4: I had like over five hundred comments, so I shared

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Speaker 4: it to She's on money, like the Facebook.

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Speaker 2: You told me, but you didn't tell your mom. Yeah,

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Speaker 2: I love you, You're my favorite. That's amazing. So you told

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Speaker 2: my community, call the community of it. But you were like,

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Speaker 2: I forgot my mom. Yeah, well maybe if she was

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Speaker 2: in the group she would know.

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Speaker 4: Maybe she could have found out that way, but she didn't.

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Speaker 2: It's amazing. I love that. That is actually so funny.

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Speaker 2: How did the conversation about the rates letter go? Did

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Speaker 2: you try and be like, I don't know what that's formum?

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Speaker 2: Or did you go oh, by the way, I'm also

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Speaker 2: a baller.

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Speaker 4: I kind of was like, well, why did you open

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Speaker 4: my mail?

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Speaker 2: Yeah, that's what I've done too.

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Speaker 3: Yeah.

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Speaker 4: I kind of went to the backpedal and I was like,

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Speaker 4: why did you open my mouth? Like that's such an

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Speaker 4: invasion of privacy. Didn't really work.

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Speaker 2: No, I wouldn't have had a bar of that either.

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Speaker 4: No, it didn't work, but that was okay. She got

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Speaker 4: over it. She's like, you know, just can't believe you

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Speaker 4: spent your money that way, which is just so ridiculous

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Speaker 4: in my mind.

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Speaker 2: But yeah, it makes sense as to why you didn't

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Speaker 2: tell her then, Yes, yes, I.

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Speaker 4: Just knew there would be a lot of a lot

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Speaker 4: of judgments behind that.

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Speaker 2: And you just don't need that at that point in

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Speaker 2: your life. I fully respect that. So then what happened then?

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Speaker 4: So I bought that the middle of twenty twenty, and

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Speaker 4: at that time, so I was doing my law degree.

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Speaker 4: Hated it, but I don't. I don't give up things,

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Speaker 4: and so I wasn't going to drop out of it.

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Speaker 4: Didn't anything else. And the guy I bought it off,

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Speaker 4: so the real estate agent, I asked him. I was like, oh,

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Speaker 4: you know, like how much money did you earn from this?

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Speaker 4: And he told me his commission. I was like, oh, it's.

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Speaker 2: Like wow, stayed at sudents, break it in. Obviously we're

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Speaker 2: going to get to what you spend for the people

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Speaker 2: who don't know how much real estate agents make. It's

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Speaker 2: a lot, yes, but I.

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Speaker 4: Was like wow, okay. And so he literally was just like, well,

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Speaker 4: you're eighteen. You must be doing something right, because no

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Speaker 4: eighteen year old in their right mind, unless they're motivated.

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Speaker 4: I have the work ethic can save up this much money? True,

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Speaker 4: Do you want to come work for me?

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Speaker 2: And I didn't.

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Speaker 4: Yeah. Yeah. My friends asked me, like how you did it,

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Speaker 4: and I just said I don't know.

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Speaker 2: Neither do I, Babe, neither do I.

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Speaker 4: So yeah, he kind of chased me up for every month,

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Speaker 4: told me, you know, you should come join. I was

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Speaker 4: still doing my degree at the time, didn't really know

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Speaker 4: what to do. I'd fast track the degree to I've

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Speaker 4: done like a year and a half, two years in

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Speaker 4: one year.

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Speaker 2: Again, of course you do, am I not surprised you did, yep.

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Speaker 4: So then I decided, Look, I'll started in January. I'll

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Speaker 4: do a year in real estate, and if I don't

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Speaker 4: like it, I'll go back to UNI. And nothing's happened.

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Speaker 4: It's all good. I haven't lost a year technically, or

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Speaker 4: if it does go I'll continue. And that's kind of

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Speaker 4: what I did. I went into that, which obviously will

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Speaker 4: be the next question.

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Speaker 2: But you're still in real estate, aren't you.

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Speaker 4: I am still in real estate.

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Speaker 2: Yes, And that's not because I know and I've asked.

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Speaker 2: It's actually a grand assumption on my behalf, because if

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Speaker 2: you're telling me you have this work ethic like you

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Speaker 2: would thrive in real estate.

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Speaker 5: Yeah.

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Speaker 4: It is a very hard industry, which.

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Speaker 2: I'm going to guess again, is why you're able to

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Speaker 2: purchase more than one problem?

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Speaker 4: Yes, yes, yeah, it's not just because I could like

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Speaker 4: pick up a property at like ten dollars unfortunately.

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Speaker 2: Yeah, yeah, yeah, all right, carry on, carry on. So

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Speaker 2: you're in real estate.

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Speaker 4: Yes, in real estate. And then I had kind of

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Speaker 4: a crazy two years. I guess. I started in real

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Speaker 4: estate in started twenty twenty one, I you know, did

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Speaker 4: really well. I actually ended up dropping the law degree,

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Speaker 4: but I continued the business degree in secret because my

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Speaker 4: boss told me I couldn't do UNI if I was

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Speaker 4: doing the job.

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Speaker 2: You did a secret degree. Yes, you're buying house doing

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Speaker 2: secret degrees.

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Speaker 4: Lots of secrets. So I finished. I did, kept doing

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Speaker 4: that degree in the background, worked really hard, worked my

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Speaker 4: butt off, absolutely loved it, and decided that I was

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Speaker 4: definitely not going to go back and study law. I

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Speaker 4: did not want to be a lawyer, and real estate was,

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Speaker 4: I guess, the thing to do.

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Speaker 2: And how old are you at this point?

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Speaker 4: At that point, so started twenty twenty one, I was

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Speaker 4: going into being nineteen. And that's also when I met

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Speaker 4: my now husband, was right at the start of that

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Speaker 4: year too, So everything happened.

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Speaker 2: How did you meet by a hinge?

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Speaker 4: I one hundred percent rate it.

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Speaker 2: I love this. I met my husband on Tinder, so

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Speaker 2: absolutely no no app judgment, guys.

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Speaker 4: I love the apps. Oh so much easier to choose

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Speaker 4: people on the apps.

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Speaker 2: Literally, I just went and picked up a husband. It

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Speaker 2: was fantastic.

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Speaker 4: No one has time for these weird dates.

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Speaker 2: I'm not going to go to a bar, and you

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Speaker 2: know what, the type of person I wanted to meet,

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Speaker 2: they were not just vibing at the mark, like if

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Speaker 2: you say, oh, there's a dude down at the bar,

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Speaker 2: like you could go chat to here. I don't want

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Speaker 2: that type of person.

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Speaker 4: Yeah, I don't think the type of person I'm going

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Speaker 4: for like not really my thing.

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Speaker 2: No thanks, babe, I want someone booked and business.

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Speaker 4: I need sometime, we need to like schedule.

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Speaker 2: So you met your husband at the start of the year,

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Speaker 2: and then.

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Speaker 4: And then by December twenty twenty one we were engaged.

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Speaker 2: So of that moved quickly, moved really quick.

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Speaker 4: But even quicker is that we were then married in

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Speaker 4: ninety days. So we had a ninety day engagement and married.

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Speaker 2: Did he need a visa or something? Is Is there

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Speaker 2: a catch? No catch?

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Speaker 4: No catch? My dream venue had a cancelation and it's

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Speaker 4: normally like a two year wait, and I was like,

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Speaker 4: screw it, We'll just do it.

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Speaker 2: Oh that's so wholesome. So how was planning a wedding

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Speaker 2: in ninety days because I had an entire year and

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Speaker 2: I still nearly die.

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Speaker 4: I would one hundred percent recommend it.

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Speaker 2: Oh you'd recommend it. Oh of course she would. She

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Speaker 2: does secret degrees by secret properties. Since she'd recommend planning

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Speaker 2: your wedding in ninety days.

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Speaker 4: Because you didn't have much choice. So it's just whoever

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Speaker 4: was available you booked. You didn't have to overlook it lock.

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Speaker 2: It in yet. Yeah, yeah, all right, I can see why.

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Speaker 2: You know, I feel like the wedding planning got easier

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Speaker 2: as the pressure increased, because.

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Speaker 4: Otherwise you kind of just you let it go, kind

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Speaker 4: of dragged on a bit, and you really didn't do

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Speaker 4: much until the last three months anyway.

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Speaker 2: So tell me, was there a lot of judgment as

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Speaker 2: a nineteen now twenty year old getting married so quickly,

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Speaker 2: Because like, I'm very much a believer of when you know,

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Speaker 2: you know, like creepily enough. On my first date, I

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Speaker 2: knew I was going to marry my husband and my

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Speaker 2: husband will say exactly the same thing. And if you

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Speaker 2: had told me even a week before meeting Steve that

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Speaker 2: that would be the outcome, I'd be like, that's insane,

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Speaker 2: that is nuts, that is not what real life is, Like,

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Speaker 2: what are you talking about? So tell me how did

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Speaker 2: that work? When you also have the added, I guess

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Speaker 2: layer of being really young.

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Speaker 4: Yes, I mean probably a lot of people said stuff

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Speaker 4: and didn't tell me.

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Speaker 2: You know, oh yeah gossip great, we love that, yeah.

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Speaker 4: Which is fine. My mum wasn't the most supportive. She

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Speaker 4: loves my husband, she does, but just the whole very quickly,

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Speaker 4: very young. She wasn't the engagement she was okay with,

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Speaker 4: but it was the fact that we got married so

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Speaker 4: quickly was a bit like, oh okay, not that happy.

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Speaker 4: Whilst my husband's parents they actually had the same kind

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Speaker 4: of timeline, so when they met was quite young. They

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Speaker 4: got married with and about about the you know, twelve

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Speaker 4: to twenty four months. Mark had kids quite quickly too,

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Speaker 4: so Gay knew.

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Speaker 2: Oh okay, and how old is your husband? So it

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Speaker 2: can be real real pervy.

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Speaker 4: He is, So I'm yeah twenty one now, so he's

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Speaker 4: twenty five?

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Speaker 2: Yeah, okay, Like there's not massive age differences or anything

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Speaker 2: like that.

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Speaker 4: Not a massive age difference, but you're definitely got to

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Speaker 4: go for the more mature guys twenty one probably wouldn't.

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Speaker 2: Have all agree. Steeve's older than I am, and I

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Speaker 2: wouldn't change it because I think that we're both on

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Speaker 2: the same mental level.

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Speaker 4: Now, yes, yes, the same mental level.

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Speaker 2: So you're married. You now have a daughter?

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Speaker 4: Yes, she is just turned four months old. So I

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Speaker 4: had her, Yeah, in August of this year.

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Speaker 2: Oh my gosh, congratulations mom, that's so exciting.

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Speaker 4: Yes, it's a lot, but you know, wouldn't change up

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Speaker 4: the world.

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Speaker 2: So now tell me about work life balance. So you're

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Speaker 2: still working in Really we'll get to the pay part,

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Speaker 2: but like, how did you manage becoming a young mum

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Speaker 2: as well as like work and life and having a

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Speaker 2: husband and all of that other fun stuff.

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Speaker 4: Yes, well, I work like a commission based job, so

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Speaker 4: I run my own kind of business. It's all about

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Speaker 4: how much I work, how much I own. So I'm

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Speaker 4: a big workaholic. If anyone couldn't tell didn't say that coming, No, No,

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Speaker 4: I actually pretty much as I was giving birth, I

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Speaker 4: sold two properties and at auctions at night.

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Speaker 2: Why is none of this surprisingly Yeah, and it would

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Speaker 2: be nice commissions.

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Speaker 4: Yeah, it was really good. You know, a great day

365
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Speaker 4: gay birth got some commissions. Couldn't think of anything better.

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Speaker 2: But yeah, you got paid to give birth. I love

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Speaker 2: this for you, win win, But.

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Speaker 4: Yeah, I gave birth on a Thursday. By the Sunday

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Speaker 4: we were back home, I was I really wanted to

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Speaker 4: get back home because I couldn't take any calls while

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Speaker 4: in the hospital because people just kept interrupting me.

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Speaker 2: That's not why I like, I'm not just excited to

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Speaker 2: get my new daughter home and like, you know, have

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Speaker 2: that nest in the phase and that like, you know,

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Speaker 2: a little newborn bubble they talk about. You were like,

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Speaker 2: get my laptop and my phone back in my hand asap.

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Speaker 4: Literally on my last day, they were like trying to

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Speaker 4: do something and I was trying to type up an appraisal,

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Speaker 4: and I was like, oh, can you just wait, you know,

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Speaker 4: five minutes. I've just got to send this email. Then

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Speaker 4: we'll be good and you can do whatever you have

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Speaker 4: to do.

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Speaker 2: That will be me. And you know what, I regret nothing.

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00:16:48,920 --> 00:16:51,520
Speaker 4: You don't because they're sleeping most of the time. Anyway,

385
00:16:51,960 --> 00:16:54,040
Speaker 4: you're not really missing out a much. But yeah, I

386
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Speaker 4: was back working on Monday. I was at home for

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Speaker 4: two weeks, and then I was back in the office

388
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Speaker 4: Monday today. From two weeks on.

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Speaker 2: Can I be really pervy? Because yes, as somebody who

390
00:17:06,359 --> 00:17:08,840
Speaker 2: is now seven months pregnant and due to give birth

391
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Speaker 2: really soon, my plan is to take at this point

392
00:17:12,359 --> 00:17:14,960
Speaker 2: in time, six to eight weeks of maternity leave, right,

393
00:17:15,200 --> 00:17:16,720
Speaker 2: So everyone thinks that that is.

394
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Speaker 4: Like everything's're crazy, true little they.

395
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Speaker 2: Think I'm insane. My business partner, Kate in Zella Money,

396
00:17:21,880 --> 00:17:24,920
Speaker 2: she took two weeks. I'm not saying that this is normal,

397
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Speaker 2: and I'm not saying that this is something that we

398
00:17:26,840 --> 00:17:31,040
Speaker 2: should be rewarding, because I think that, you know, having

399
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Speaker 2: that time is so special and I totally get it.

400
00:17:34,240 --> 00:17:37,439
Speaker 2: But I am, arguably, and I'm maybe speaking for you

401
00:17:37,560 --> 00:17:41,080
Speaker 2: here as well, I'm a psychopath. Like I know that

402
00:17:41,440 --> 00:17:44,280
Speaker 2: I will be more grounded, a better mum, a better

403
00:17:44,359 --> 00:17:46,560
Speaker 2: everything if you let me do my thing and be

404
00:17:46,600 --> 00:17:48,199
Speaker 2: a mum at the same time. If you tell me

405
00:17:48,240 --> 00:17:49,879
Speaker 2: to do one of those things, I'm going to go

406
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Speaker 2: up the wall. But talk to me about like the

407
00:17:53,760 --> 00:17:57,040
Speaker 2: actual recovery two weeks after birth, Like I'm sorry, are

408
00:17:57,080 --> 00:17:59,800
Speaker 2: you not still bleeding and in pain and not having

409
00:17:59,800 --> 00:18:03,400
Speaker 2: a good time, Like, was that actually a good idea?

410
00:18:03,480 --> 00:18:06,280
Speaker 4: Look, I think people make and it really does depend.

411
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Speaker 4: I'm a lot younger, so I will admit young pregnancys

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00:18:10,520 --> 00:18:13,040
Speaker 4: and births. I do think it easier than when you

413
00:18:13,080 --> 00:18:15,800
Speaker 4: are older. It's just it's how you know natural is

414
00:18:16,160 --> 00:18:19,600
Speaker 4: so for me it was, you know, natural birth. I

415
00:18:19,640 --> 00:18:23,200
Speaker 4: had the epiduit, which is the best thing ever, and

416
00:18:24,520 --> 00:18:28,639
Speaker 4: I didn't have any tearing, which is very surprising.

417
00:18:28,280 --> 00:18:31,359
Speaker 2: Or it must be nice. Side note for those of

418
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Speaker 2: you following along. I did a birth with Beth course

419
00:18:34,880 --> 00:18:37,040
Speaker 2: a couple of weeks ago with my husband, and I

420
00:18:37,080 --> 00:18:39,080
Speaker 2: was like, I know so much of this. I listened

421
00:18:39,119 --> 00:18:42,000
Speaker 2: to so many podcasts and they were like, eighty five

422
00:18:42,080 --> 00:18:45,280
Speaker 2: percent of women tear during childbirth, and I was like, sorry, sorry,

423
00:18:45,320 --> 00:18:47,879
Speaker 2: that's not a statistic. I was ready for yeap so

424
00:18:47,960 --> 00:18:49,800
Speaker 2: to not tear at all. We're gonna have to take

425
00:18:49,800 --> 00:18:53,080
Speaker 2: this conversation offline. I need all your chips, all your tricks.

426
00:18:53,119 --> 00:18:53,680
Speaker 2: I want that.

427
00:18:54,640 --> 00:18:57,160
Speaker 4: I know. So that was a big thing because obviously

428
00:18:57,200 --> 00:19:00,080
Speaker 4: that means that recovery it is a lot easy. It

429
00:19:00,160 --> 00:19:03,040
Speaker 4: is way easier, Like I think it was more of

430
00:19:03,520 --> 00:19:05,720
Speaker 4: you know, once I got out of hospital. To be honest,

431
00:19:05,880 --> 00:19:08,240
Speaker 4: I wasn't really It was kind of like a period

432
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Speaker 4: after that for the next maybe week or so. So

433
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Speaker 4: by the two.

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Speaker 2: Week mar so you had it relatively easily.

435
00:19:14,640 --> 00:19:17,040
Speaker 4: I did, so I will have met birth. Everything was

436
00:19:17,640 --> 00:19:21,679
Speaker 4: quite on the easier side, which meant recovery. I was,

437
00:19:21,800 --> 00:19:23,720
Speaker 4: you know, I was ready to go as soon as

438
00:19:23,760 --> 00:19:25,560
Speaker 4: we got out of the hospital. I probably could have,

439
00:19:25,760 --> 00:19:28,600
Speaker 4: you know, gone and done things like I think I was,

440
00:19:29,000 --> 00:19:31,280
Speaker 4: you know, walking and things like that, going for walks

441
00:19:31,320 --> 00:19:32,480
Speaker 4: and that as soon as we're back.

442
00:19:32,560 --> 00:19:35,320
Speaker 2: You sound like Kate. She was also quite young when

443
00:19:35,320 --> 00:19:38,280
Speaker 2: she had her babies, so that makes sense. I just

444
00:19:38,440 --> 00:19:40,560
Speaker 2: I also want to just pinpoint it here and say

445
00:19:40,560 --> 00:19:43,040
Speaker 2: that we're definitely not trying to glorify that that's any

446
00:19:43,080 --> 00:19:45,960
Speaker 2: type of expectation. It's just so perfect. When you hear

447
00:19:46,040 --> 00:19:48,880
Speaker 2: someone who has done I'm like, wait, what story how

448
00:19:49,280 --> 00:19:51,960
Speaker 2: because it's not the norm, and like, you know, so

449
00:19:52,040 --> 00:19:54,399
Speaker 2: many women are like, oh, twelve months wasn't enough for

450
00:19:54,440 --> 00:19:56,960
Speaker 2: Matt leave and like that's so fine. Like I have

451
00:19:57,080 --> 00:19:59,560
Speaker 2: a best friend who is the exact opposite of me

452
00:19:59,640 --> 00:20:02,080
Speaker 2: in every single way, and I adore her and twelve

453
00:20:02,119 --> 00:20:04,680
Speaker 2: months leave was not enough for her. And I look

454
00:20:04,720 --> 00:20:06,439
Speaker 2: at it and I go, I just couldn't do that.

455
00:20:06,760 --> 00:20:09,480
Speaker 2: I think we need to just talk about every type

456
00:20:09,480 --> 00:20:12,360
Speaker 2: of experience and go, wow, I'm glad you had the choice.

457
00:20:12,480 --> 00:20:15,800
Speaker 4: I'd never heard of people actually going back so quickly

458
00:20:15,920 --> 00:20:18,359
Speaker 4: or so quickly by choice. Yes, some people have to

459
00:20:18,359 --> 00:20:21,000
Speaker 4: go back because of financial reasons. Mine was by choice.

460
00:20:21,200 --> 00:20:23,399
Speaker 2: Yeah. See, mine will be choice as well. And I

461
00:20:23,440 --> 00:20:25,359
Speaker 2: think that that changes the game completely.

462
00:20:25,800 --> 00:20:28,439
Speaker 4: It does. But I couldn't be a stay at home

463
00:20:28,480 --> 00:20:31,760
Speaker 4: on full time my personality. I'd like some days I

464
00:20:31,840 --> 00:20:35,560
Speaker 4: have to because chulk I things like that, and oh,

465
00:20:35,720 --> 00:20:37,359
Speaker 4: I go, oh, I give it up for all the

466
00:20:37,400 --> 00:20:38,280
Speaker 4: stay at home moms.

467
00:20:38,440 --> 00:20:41,520
Speaker 2: So now tell me. I want to ask a pervy question.

468
00:20:42,440 --> 00:20:44,640
Speaker 2: You obviously do real estate for work, but what's your

469
00:20:44,720 --> 00:20:46,480
Speaker 2: job title? And how much money do you earn?

470
00:20:46,760 --> 00:20:47,040
Speaker 1: Yep?

471
00:20:47,119 --> 00:20:50,440
Speaker 4: So I am like a real estate sales agent. So

472
00:20:50,600 --> 00:20:56,280
Speaker 4: I sell the properties roughly. So last year I roughly

473
00:20:56,320 --> 00:20:59,080
Speaker 4: did between about three hundred and fifty thousand to four

474
00:20:59,119 --> 00:20:59,800
Speaker 4: hundred thousand.

475
00:21:00,160 --> 00:21:02,880
Speaker 2: And that's your take home total salary.

476
00:21:02,920 --> 00:21:07,480
Speaker 4: That's my take home yep, before tax and things like that. Yeah.

477
00:21:07,520 --> 00:21:09,639
Speaker 2: Absolutely, do you know what I feel like when people

478
00:21:09,640 --> 00:21:11,320
Speaker 2: start hearing that, they're like, maybe I could have done

479
00:21:11,320 --> 00:21:15,639
Speaker 2: two weeks of matt Leeve if I had that income. Yeah, yeah,

480
00:21:15,680 --> 00:21:17,080
Speaker 2: that makes a lot of sense to me. Have a

481
00:21:17,080 --> 00:21:19,159
Speaker 2: lot of friends in real estate. Can you break it

482
00:21:19,240 --> 00:21:21,679
Speaker 2: down a little bit though, So you said before you

483
00:21:21,800 --> 00:21:24,880
Speaker 2: kind of have like a commissions based role. What does

484
00:21:24,880 --> 00:21:27,199
Speaker 2: that mean? And how much do you get paid? Like,

485
00:21:27,440 --> 00:21:29,280
Speaker 2: do you get paid when you sell one property? Do

486
00:21:29,320 --> 00:21:31,600
Speaker 2: you have a retainer that you're on? If so, what's

487
00:21:31,640 --> 00:21:34,000
Speaker 2: that like? Give me the low down so that anyone

488
00:21:34,000 --> 00:21:35,919
Speaker 2: listening to this, that's like I didn't realize that's how

489
00:21:36,000 --> 00:21:38,680
Speaker 2: sales agents got paid. They can just be a little

490
00:21:38,680 --> 00:21:39,480
Speaker 2: bit more knowledgeable.

491
00:21:39,600 --> 00:21:43,160
Speaker 4: Yeah, So when you first start, so back in twenty

492
00:21:43,200 --> 00:21:46,040
Speaker 4: twenty one, you start on minimum wage. So I was

493
00:21:46,080 --> 00:21:48,320
Speaker 4: on literal minimum wage, and you're on like a retainer.

494
00:21:48,440 --> 00:21:51,440
Speaker 4: So it's called a debit credit and you pay back

495
00:21:51,520 --> 00:21:54,200
Speaker 4: every time you sell something. A split happens, So depending

496
00:21:54,200 --> 00:21:57,840
Speaker 4: on what your split is, but normally your franchise takes

497
00:21:58,160 --> 00:22:01,920
Speaker 4: percentage and then your actual office like principal, takes percentage

498
00:22:01,960 --> 00:22:04,399
Speaker 4: and then you get a cut. That cut will then

499
00:22:04,480 --> 00:22:07,200
Speaker 4: cover your retainer to begin with, and then you get

500
00:22:07,240 --> 00:22:09,800
Speaker 4: the rest. I'm now at a point where I'm a contractor,

501
00:22:10,119 --> 00:22:13,280
Speaker 4: so I just invoice for every sale of my.

502
00:22:13,280 --> 00:22:16,080
Speaker 2: Cuts every property you sell. So what does a retainer

503
00:22:16,160 --> 00:22:19,200
Speaker 2: look like? Is that thirty thousand dollars? Is it fifty?

504
00:22:19,480 --> 00:22:23,560
Speaker 4: At the point when just minimum wage? So when I

505
00:22:23,680 --> 00:22:26,960
Speaker 4: was in twenty twenty one, when I was the minimum wage,

506
00:22:26,960 --> 00:22:29,199
Speaker 4: I think it was like forty five thousand or something.

507
00:22:29,280 --> 00:22:33,320
Speaker 2: And then you essentially need to sell enough properties to

508
00:22:33,320 --> 00:22:35,840
Speaker 2: cover that forty five thousand dollars to pay back your

509
00:22:35,960 --> 00:22:39,239
Speaker 2: business that has hired you, and then anything above that

510
00:22:39,440 --> 00:22:43,040
Speaker 2: is cream. You said that there's a split, so obviously

511
00:22:43,040 --> 00:22:46,280
Speaker 2: between the franchise and the office owner and you. What

512
00:22:46,359 --> 00:22:49,000
Speaker 2: kind of percentage were you taking home at that point?

513
00:22:49,119 --> 00:22:51,480
Speaker 4: Yeah, so it would be out of one hundred percent,

514
00:22:51,720 --> 00:22:54,840
Speaker 4: eight percent would be taken to the franchise and then

515
00:22:55,000 --> 00:22:57,840
Speaker 4: forty percent would be taken to the owner and sixty

516
00:22:57,880 --> 00:22:59,040
Speaker 4: percent would be taken to me.

517
00:22:59,400 --> 00:23:01,680
Speaker 2: That is a I split. Hey, I should have become

518
00:23:01,680 --> 00:23:02,760
Speaker 2: a real estate agent.

519
00:23:04,640 --> 00:23:06,320
Speaker 4: So it's really good.

520
00:23:06,320 --> 00:23:09,280
Speaker 2: And per sale, let's, you know, break it down even

521
00:23:09,320 --> 00:23:12,040
Speaker 2: further because I know what it is. What kind of

522
00:23:12,040 --> 00:23:15,320
Speaker 2: percentage of the property price is a I guess a

523
00:23:15,400 --> 00:23:16,040
Speaker 2: sale work.

524
00:23:16,280 --> 00:23:20,960
Speaker 4: Typically in Queensland you charge anywhere from about two point

525
00:23:21,000 --> 00:23:24,800
Speaker 4: five percent to three point five percent of the sale price.

526
00:23:24,960 --> 00:23:27,159
Speaker 2: Right, and then that amount is what that commission is

527
00:23:27,200 --> 00:23:29,480
Speaker 2: made up of. And that's actually standard. Like we're not saying,

528
00:23:29,520 --> 00:23:32,760
Speaker 2: oh my gosh, that's so much. We're more like contextualizing

529
00:23:32,800 --> 00:23:35,680
Speaker 2: it so that you guys can understand exactly what that means.

530
00:23:35,680 --> 00:23:37,800
Speaker 2: Because I'm so pervy. When I started to learn about

531
00:23:37,800 --> 00:23:40,080
Speaker 2: real estate, I was like, sorry, what now, Like that

532
00:23:40,160 --> 00:23:43,359
Speaker 2: makes it insane. So what you're telling me is in

533
00:23:43,400 --> 00:23:46,320
Speaker 2: twenty twenty one, when you started, you were on forty

534
00:23:46,320 --> 00:23:50,760
Speaker 2: five thousand dollars, and now you weren't four hundred thousand dollars. Yes,

535
00:23:51,520 --> 00:23:53,600
Speaker 2: that's pretty good. That's not bad.

536
00:23:54,280 --> 00:23:58,480
Speaker 4: Yes, and it's you know, I will have to put

537
00:23:58,480 --> 00:24:01,720
Speaker 4: it out there. Not everyone does earn that much. You know.

538
00:24:01,920 --> 00:24:04,560
Speaker 4: What people don't realize in real estate is that I

539
00:24:04,560 --> 00:24:06,880
Speaker 4: think it. The statistic is eighty five percent of real

540
00:24:06,960 --> 00:24:10,720
Speaker 4: estate agents actually earn less than eighty thousand dollars a

541
00:24:10,800 --> 00:24:12,680
Speaker 4: year or something along those lines.

542
00:24:12,720 --> 00:24:14,320
Speaker 2: So no, no, no, that's very accurate.

543
00:24:14,480 --> 00:24:16,960
Speaker 4: Yeah, so's it's one of those things where yes, I

544
00:24:17,040 --> 00:24:19,760
Speaker 4: do earn a lot of money, but it's not something

545
00:24:19,760 --> 00:24:23,440
Speaker 4: where it's industry wide that everyone earns that much money.

546
00:24:23,560 --> 00:24:26,320
Speaker 2: Yeah, that's not normal. But what is cool is that

547
00:24:26,400 --> 00:24:30,800
Speaker 2: it's completely in your control. So when you were explaining

548
00:24:30,800 --> 00:24:32,280
Speaker 2: it before, you were like, oh, I had a fifty

549
00:24:32,320 --> 00:24:34,840
Speaker 2: thousand dollars in savings at eighteen, and then this real

550
00:24:34,920 --> 00:24:37,040
Speaker 2: estate agent was talking to me and said I'd be

551
00:24:37,080 --> 00:24:38,800
Speaker 2: good in it. I was like, of course she's going

552
00:24:38,840 --> 00:24:40,719
Speaker 2: to be good at it. She's a hustler. Look at

553
00:24:40,720 --> 00:24:43,280
Speaker 2: that work ethic. Look at what's going on. I obviously

554
00:24:43,359 --> 00:24:45,959
Speaker 2: didn't know before we started recording what you were earning,

555
00:24:46,000 --> 00:24:48,160
Speaker 2: and I was very likely going to guess like three

556
00:24:48,280 --> 00:24:51,119
Speaker 2: hundred grand at least, because that ethic kind of like

557
00:24:51,280 --> 00:24:55,000
Speaker 2: really plays into it. And that's not something that's trainable. Like,

558
00:24:55,040 --> 00:24:57,000
Speaker 2: and I don't mean this in a mean or a

559
00:24:57,080 --> 00:25:00,159
Speaker 2: rude way, but like it's ingrained in some people to

560
00:25:00,280 --> 00:25:04,040
Speaker 2: like work insanely hard and they're super motivated, whereas other

561
00:25:04,080 --> 00:25:06,280
Speaker 2: people will be like, oh man, it's like six o'clock.

562
00:25:06,560 --> 00:25:09,919
Speaker 2: I'm absolutely not taking client calls after this. Tell me,

563
00:25:10,040 --> 00:25:12,680
Speaker 2: my friend about your work life balance. How many hours

564
00:25:12,720 --> 00:25:13,720
Speaker 2: are you doing a week?

565
00:25:14,800 --> 00:25:18,480
Speaker 4: A lot? I get to the office early, so me

566
00:25:18,560 --> 00:25:21,720
Speaker 4: and my husband kind of have different shifts. We call

567
00:25:21,760 --> 00:25:24,639
Speaker 4: it looking after my daughter. So I get to go

568
00:25:24,760 --> 00:25:26,920
Speaker 4: into work I would say early, So I get into

569
00:25:26,920 --> 00:25:30,600
Speaker 4: work at seven am. I then leave the office at

570
00:25:30,640 --> 00:25:33,000
Speaker 4: four pm to be home by five pm to take

571
00:25:33,040 --> 00:25:36,160
Speaker 4: over for my daughter. But then I, you know, continue

572
00:25:36,200 --> 00:25:39,359
Speaker 4: working until I'm pretty much done. My husband normally gets

573
00:25:39,400 --> 00:25:43,919
Speaker 4: home around seven pm, and that's when I kind of

574
00:25:43,960 --> 00:25:47,040
Speaker 4: switch off. So unless I'm negotiating a deal and you know,

575
00:25:47,119 --> 00:25:50,320
Speaker 4: it's really something needs to be done, nothing will get

576
00:25:50,320 --> 00:25:52,199
Speaker 4: as until the next day. That's kind of where I

577
00:25:52,240 --> 00:25:55,000
Speaker 4: cut it. And for me, I work Monday to Saturday,

578
00:25:55,040 --> 00:25:58,280
Speaker 4: being Saturday being open homes and Sunday is my family day.

579
00:25:58,400 --> 00:26:00,640
Speaker 4: You will not catch me no matter who you are

580
00:26:00,680 --> 00:26:01,320
Speaker 4: on a Sunday.

581
00:26:01,600 --> 00:26:04,440
Speaker 2: Yeah. I love that, and I think it provides really

582
00:26:04,440 --> 00:26:07,680
Speaker 2: good context because to earn the salary that you earn

583
00:26:08,320 --> 00:26:11,760
Speaker 2: requires significant sacrifice in different areas of life, and I

584
00:26:11,800 --> 00:26:13,920
Speaker 2: really wanted to draw that out instead of being like, yeah,

585
00:26:13,920 --> 00:26:15,800
Speaker 2: oh my gosh, there's taol any one and earns so

586
00:26:15,960 --> 00:26:18,920
Speaker 2: much money moving on. I just think that we need

587
00:26:18,960 --> 00:26:23,160
Speaker 2: to give that chunky amount of context because I can't

588
00:26:23,200 --> 00:26:25,760
Speaker 2: tell you one person that I know at this point

589
00:26:25,760 --> 00:26:28,040
Speaker 2: in time that's not already a sales agent that would

590
00:26:28,040 --> 00:26:30,040
Speaker 2: be able to cut it in that area, Like I

591
00:26:30,040 --> 00:26:32,240
Speaker 2: would go insane. I would be burnt out in point

592
00:26:32,280 --> 00:26:35,800
Speaker 2: two seconds. So it's just it's nice to have a

593
00:26:35,840 --> 00:26:39,600
Speaker 2: bit more context, my friend. So we know what you

594
00:26:39,640 --> 00:26:42,040
Speaker 2: do for work, we know how much money you earn,

595
00:26:42,119 --> 00:26:44,040
Speaker 2: but like, what are you working towards at the moment?

596
00:26:44,040 --> 00:26:45,639
Speaker 2: What are your big financial goals?

597
00:26:45,920 --> 00:26:50,240
Speaker 4: So I've kind of got two. One is like the

598
00:26:50,400 --> 00:26:54,600
Speaker 4: dream home in terms of just that big, beautiful home

599
00:26:54,640 --> 00:26:57,840
Speaker 4: that people drive up to and go, Wow, she's really rich.

600
00:26:58,160 --> 00:27:00,600
Speaker 2: Oh you want a big, really rich house. Yeah, Like

601
00:27:00,640 --> 00:27:02,480
Speaker 2: all right, can I come over? Are you're going to

602
00:27:02,520 --> 00:27:04,440
Speaker 2: have like a big, really rich pool with a big,

603
00:27:04,480 --> 00:27:05,439
Speaker 2: really rich spark?

604
00:27:05,600 --> 00:27:10,040
Speaker 4: Definitely? Like that's just something where and it sounds so materialistic,

605
00:27:10,080 --> 00:27:13,359
Speaker 4: but I just want to show how much, you know,

606
00:27:13,480 --> 00:27:16,479
Speaker 4: I work so hard. I want something to show. So

607
00:27:16,640 --> 00:27:18,960
Speaker 4: that's one thing, like the massive, big house. And other

608
00:27:19,000 --> 00:27:21,600
Speaker 4: thing is just buying more investment properties and just setting

609
00:27:21,600 --> 00:27:25,160
Speaker 4: myself up because that's how I typically invest my money.

610
00:27:25,200 --> 00:27:28,680
Speaker 2: Have you thought about where that? I guess I want

611
00:27:28,680 --> 00:27:31,560
Speaker 2: to call it showiness because it's the easiest word to use.

612
00:27:31,640 --> 00:27:34,600
Speaker 2: Their Have you thought about where that's coming from or like,

613
00:27:34,760 --> 00:27:37,119
Speaker 2: why that's so important to you? Do you think it

614
00:27:37,160 --> 00:27:39,280
Speaker 2: comes from the way you grew up and like you know,

615
00:27:39,440 --> 00:27:44,919
Speaker 2: obviously living in essentially a reconfigured garage with your you know,

616
00:27:45,040 --> 00:27:47,720
Speaker 2: siblings and your mum. Like, is this something that you go, No,

617
00:27:47,800 --> 00:27:49,879
Speaker 2: it's not actually just to show other people. It's so

618
00:27:49,960 --> 00:27:51,800
Speaker 2: that when I drive up to it, I go, I

619
00:27:52,000 --> 00:27:52,440
Speaker 2: did this.

620
00:27:53,080 --> 00:27:55,240
Speaker 4: Yeah, it's kind of approves. You know. I had a

621
00:27:55,240 --> 00:27:58,679
Speaker 4: lot of people doubting me going into real estate and

622
00:27:58,720 --> 00:28:01,320
Speaker 4: doubting kind of the choice I made, that I won't

623
00:28:01,359 --> 00:28:03,520
Speaker 4: be able to succeed, and I had that, you know,

624
00:28:03,680 --> 00:28:06,199
Speaker 4: throughout a lot of my life. So I think for me,

625
00:28:06,440 --> 00:28:09,399
Speaker 4: that is going, wow, I did make it, and to

626
00:28:09,480 --> 00:28:11,919
Speaker 4: prove everyone wrong pretty much and to prove to myself

627
00:28:11,960 --> 00:28:13,520
Speaker 4: that it was the right choice.

628
00:28:13,600 --> 00:28:16,040
Speaker 2: I love it because I feel like you're also investing

629
00:28:16,080 --> 00:28:18,800
Speaker 2: on the flip side, so it's not just putting money

630
00:28:18,840 --> 00:28:21,200
Speaker 2: into a house to look really important. But let's talk

631
00:28:21,200 --> 00:28:23,600
Speaker 2: about that. I have so many questions. Let's go to

632
00:28:23,600 --> 00:28:25,520
Speaker 2: a really quick break and on the flip side, I'm

633
00:28:25,520 --> 00:28:32,320
Speaker 2: going to break all of that down. All right, money diarist,

634
00:28:32,440 --> 00:28:35,520
Speaker 2: we are back you mentioned in your intro email that

635
00:28:35,560 --> 00:28:38,560
Speaker 2: you own three properties. The next question for you is

636
00:28:38,600 --> 00:28:40,600
Speaker 2: do you have any investments? If so, what are they?

637
00:28:40,760 --> 00:28:42,240
Speaker 2: Please start listing them off.

638
00:28:42,560 --> 00:28:47,120
Speaker 4: I do. So I have two investment properties. I wrote

639
00:28:47,160 --> 00:28:49,400
Speaker 4: them all down this morning. Side have them all? Do

640
00:28:49,440 --> 00:28:51,520
Speaker 4: you also want to know, like how much I own?

641
00:28:51,560 --> 00:28:52,280
Speaker 4: How much they were?

642
00:28:52,600 --> 00:28:54,280
Speaker 2: Of course I do perfect.

643
00:28:55,000 --> 00:28:59,000
Speaker 4: So I've got two investment properties. One investment property was

644
00:28:59,000 --> 00:29:00,760
Speaker 4: my first one I bought. I bought that on my

645
00:29:00,840 --> 00:29:02,000
Speaker 4: own when I was eighteen.

646
00:29:02,120 --> 00:29:04,080
Speaker 2: The secret property, the secret property.

647
00:29:04,440 --> 00:29:07,400
Speaker 4: So I currently owned that one two hundred and fifty

648
00:29:07,440 --> 00:29:10,160
Speaker 4: eight thousand dollars and it's worth about four hundred and

649
00:29:10,200 --> 00:29:11,520
Speaker 4: fifty thousand dollars.

650
00:29:12,040 --> 00:29:15,520
Speaker 2: That's very nice. Got some equity there. And then did

651
00:29:15,520 --> 00:29:18,000
Speaker 2: you use your equity to go into the second one?

652
00:29:18,080 --> 00:29:21,920
Speaker 2: I didn't actually, so, oh it must be nice.

653
00:29:22,040 --> 00:29:26,160
Speaker 4: I had somehow. I convinced my boyfriend, so my husband

654
00:29:26,200 --> 00:29:30,680
Speaker 4: now after knowing each other for four months, to buy

655
00:29:30,720 --> 00:29:32,680
Speaker 4: a property with me, which is a property we moved into,

656
00:29:32,680 --> 00:29:34,600
Speaker 4: which is now investment property. And I convinced him to

657
00:29:34,600 --> 00:29:36,600
Speaker 4: put in fifty thousand and meet to be only put

658
00:29:36,600 --> 00:29:38,640
Speaker 4: in thirty thousand dollars for this property.

659
00:29:38,720 --> 00:29:41,680
Speaker 2: I wonder who wears the pants in that relationship. Yeah,

660
00:29:41,800 --> 00:29:43,840
Speaker 2: interesting question to address at a later date.

661
00:29:44,080 --> 00:29:46,000
Speaker 4: Yeah, I don't know how that I've the highest song

662
00:29:46,000 --> 00:29:48,680
Speaker 4: of that, but I did. And then we bought this

663
00:29:48,840 --> 00:29:51,680
Speaker 4: second property that I only bought out together, and that

664
00:29:51,720 --> 00:29:54,200
Speaker 4: one currently has a loan of three hundred and sixty

665
00:29:54,200 --> 00:29:56,720
Speaker 4: eight thousand and it's worth about six hundred thousand.

666
00:29:56,840 --> 00:30:00,800
Speaker 2: Oh, very very nice. Yeah, Now, is there a lot

667
00:30:00,840 --> 00:30:04,320
Speaker 2: of strategy going into picking these properties? Obviously when you

668
00:30:04,320 --> 00:30:07,920
Speaker 2: were eighteen, you had absolutely no real estate knowledge. How

669
00:30:07,920 --> 00:30:09,640
Speaker 2: did you know that that was a property you wanted

670
00:30:09,640 --> 00:30:11,760
Speaker 2: to buy or would be, you know, a good asset,

671
00:30:11,800 --> 00:30:14,480
Speaker 2: Because if you're telling me that you purchased a property

672
00:30:14,520 --> 00:30:17,000
Speaker 2: it's worth four fifty and you only have like a

673
00:30:17,000 --> 00:30:19,280
Speaker 2: two hundred and fifty eight thousand dollar alone on it,

674
00:30:19,320 --> 00:30:21,800
Speaker 2: like we would all say, that's a pretty good position

675
00:30:21,880 --> 00:30:23,960
Speaker 2: to be in. How do you know how to pick

676
00:30:24,000 --> 00:30:24,680
Speaker 2: the right one?

677
00:30:24,920 --> 00:30:28,000
Speaker 4: To be honest with that one? I was probably just lucky.

678
00:30:28,040 --> 00:30:31,960
Speaker 4: I bought that in twenty twenty when the prices hadn't skyrocketed.

679
00:30:32,080 --> 00:30:34,920
Speaker 4: I bought it in an area where I could afford, Like,

680
00:30:35,200 --> 00:30:39,160
Speaker 4: I bought it for three hundred thousand, and I bought

681
00:30:39,200 --> 00:30:41,600
Speaker 4: it because I was working near there at the time,

682
00:30:41,640 --> 00:30:46,120
Speaker 4: but I actually didn't live in it. I ended up moving,

683
00:30:46,160 --> 00:30:48,200
Speaker 4: so I didn't even end up living in that one.

684
00:30:48,360 --> 00:30:50,920
Speaker 4: But yeah, that one was purely just down to I

685
00:30:51,040 --> 00:30:52,880
Speaker 4: liked the area. It was the only really thing I

686
00:30:52,920 --> 00:30:55,920
Speaker 4: could afford, and for me, I just knew, you can't

687
00:30:55,920 --> 00:30:58,400
Speaker 4: have the dream house straight away. I'm going to pick something,

688
00:30:58,440 --> 00:31:00,680
Speaker 4: you know, not the greatest. Go from there.

689
00:31:00,920 --> 00:31:03,760
Speaker 2: Great. So now you've got the second property with your

690
00:31:03,800 --> 00:31:07,920
Speaker 2: now husband, it's worth six hundred grand. What is the

691
00:31:07,960 --> 00:31:09,920
Speaker 2: third property? Tell us about that one.

692
00:31:10,360 --> 00:31:13,720
Speaker 4: The third property is the one we currently live in.

693
00:31:13,800 --> 00:31:16,640
Speaker 4: So that's the definitely the bigger one where the interest

694
00:31:16,680 --> 00:31:20,280
Speaker 4: rates hurts. So that one we only bought last year.

695
00:31:20,440 --> 00:31:24,080
Speaker 4: We did use the equity from the second property we purchased,

696
00:31:24,640 --> 00:31:27,960
Speaker 4: and that one currently has a loan of nine hundred

697
00:31:27,960 --> 00:31:31,560
Speaker 4: and seventy seven thousands. We borrowed the full loan. We

698
00:31:31,600 --> 00:31:33,880
Speaker 4: didn't put any cash into it, and the property is

699
00:31:33,920 --> 00:31:35,720
Speaker 4: currently worth about one point one Oh.

700
00:31:35,880 --> 00:31:39,120
Speaker 2: Very nice. So you're sitting on what five hundred and

701
00:31:39,120 --> 00:31:42,080
Speaker 2: fifty ish maybe six hundred thousand dollars worth of equity

702
00:31:42,120 --> 00:31:45,600
Speaker 2: at twenty one Yeah, roughly must be nice must be

703
00:31:45,720 --> 00:31:49,040
Speaker 2: nice unrelatable. So at twenty one, I was probably drunk

704
00:31:49,080 --> 00:31:52,320
Speaker 2: in a bar on Brunswick Street with like ten dollars

705
00:31:52,440 --> 00:31:54,920
Speaker 2: maximum in my pocket, and then the year later I

706
00:31:54,920 --> 00:31:57,080
Speaker 2: got a forty five thousand dollar personal loan, so like,

707
00:31:57,120 --> 00:31:59,800
Speaker 2: we could not be more different, but I love this.

708
00:31:59,720 --> 00:32:01,800
Speaker 4: For you slightly different, yeap.

709
00:32:01,680 --> 00:32:04,120
Speaker 2: Do you have any other investments or is it just property?

710
00:32:04,320 --> 00:32:07,000
Speaker 2: I do, so of course she does, guys, of course

711
00:32:07,040 --> 00:32:07,360
Speaker 2: she does.

712
00:32:09,080 --> 00:32:11,760
Speaker 4: I've got about fifty thousand dollars in shares.

713
00:32:11,920 --> 00:32:14,960
Speaker 2: Yeah, of course you do. I'm genuinely so impressed.

714
00:32:15,480 --> 00:32:17,720
Speaker 4: I don't really know much about the shares. My husband

715
00:32:18,080 --> 00:32:20,360
Speaker 4: wanted to do something because I was more the property person.

716
00:32:20,960 --> 00:32:23,880
Speaker 4: Have they gone well, probably not that much. I looked

717
00:32:23,880 --> 00:32:25,920
Speaker 4: at this morning and I texted him and I said, hey,

718
00:32:26,040 --> 00:32:27,840
Speaker 4: I've gone down. What is this?

719
00:32:28,040 --> 00:32:29,720
Speaker 2: Hey, I'm going to be on this podcast and I

720
00:32:29,720 --> 00:32:31,560
Speaker 2: wanted to ask some questions. And now I'm a bit

721
00:32:31,640 --> 00:32:31,920
Speaker 2: like what.

722
00:32:32,840 --> 00:32:36,760
Speaker 4: Yeah, I'm like okay, like snow just waited. I was like, yeah,

723
00:32:36,800 --> 00:32:39,480
Speaker 4: yeah shared, you waited out yep, got it. And then

724
00:32:39,720 --> 00:32:42,440
Speaker 4: just my super as well. So my super I don't

725
00:32:42,480 --> 00:32:45,880
Speaker 4: really pay attention to it much because I'm a contractor now,

726
00:32:45,880 --> 00:32:46,840
Speaker 4: which is really bad.

727
00:32:46,920 --> 00:32:49,360
Speaker 2: I was about to say, are you paying yourself super

728
00:32:49,720 --> 00:32:50,600
Speaker 2: at this point in time?

729
00:32:50,720 --> 00:32:53,800
Speaker 4: No, but that's because I currently have forty five thousand.

730
00:32:53,880 --> 00:32:55,560
Speaker 2: I don't care if you've got forty five thousand. I'm

731
00:32:55,600 --> 00:32:57,240
Speaker 2: looking at all your other assets. But I know you

732
00:32:57,280 --> 00:32:58,000
Speaker 2: can afford I know.

733
00:32:58,080 --> 00:33:01,840
Speaker 4: I yeah, yes, I can't. I just haven't. I haven't

734
00:33:01,840 --> 00:33:05,200
Speaker 4: gotten it sorted yet in terms of I have only

735
00:33:05,240 --> 00:33:08,400
Speaker 4: become a contractor within the last under This is my

736
00:33:08,400 --> 00:33:11,160
Speaker 4: first financial as a contractor, and I actually haven't even

737
00:33:11,200 --> 00:33:15,720
Speaker 4: paid myself yet technically, so I'm still it's in the background.

738
00:33:16,000 --> 00:33:17,040
Speaker 4: We'll work it out.

739
00:33:16,920 --> 00:33:18,960
Speaker 2: All right, all right, I'll allow that. Tell me, what

740
00:33:19,000 --> 00:33:19,960
Speaker 2: does your husband do.

741
00:33:20,480 --> 00:33:21,160
Speaker 4: He's a lawyer?

742
00:33:21,640 --> 00:33:24,600
Speaker 2: Of course he is. You married a lawyer, you smart woman.

743
00:33:24,920 --> 00:33:27,640
Speaker 4: I know you go to pick him. You know he's

744
00:33:27,680 --> 00:33:29,920
Speaker 4: a tax lawyer, so no suspectives.

745
00:33:31,760 --> 00:33:34,360
Speaker 2: Of course he is. All right. I feel like we

746
00:33:34,440 --> 00:33:36,440
Speaker 2: have so much to learn from you. Obviously, I want

747
00:33:36,440 --> 00:33:39,400
Speaker 2: to ask about debt next, but we've actually just gone

748
00:33:39,440 --> 00:33:41,680
Speaker 2: through all of your mortgages, so we won't repeat them.

749
00:33:41,680 --> 00:33:44,000
Speaker 2: But do you have any other forms of debt?

750
00:33:44,160 --> 00:33:46,800
Speaker 4: The only other debt I have is my hex so

751
00:33:46,840 --> 00:33:49,760
Speaker 4: I paid off most of it before indexation, so I've

752
00:33:49,760 --> 00:33:51,640
Speaker 4: only got about three thousand dollars left.

753
00:33:52,080 --> 00:33:54,680
Speaker 2: Okay, And what's your plan for that three grand? Is

754
00:33:54,720 --> 00:33:56,400
Speaker 2: it just going to tick away? Is it going to

755
00:33:56,440 --> 00:33:57,200
Speaker 2: get smashed down?

756
00:33:57,320 --> 00:33:57,440
Speaker 4: Like?

757
00:33:57,640 --> 00:33:58,200
Speaker 2: What are we doing?

758
00:33:58,280 --> 00:34:00,640
Speaker 4: It will have to be paid off in this financial Yeah,

759
00:34:00,680 --> 00:34:01,560
Speaker 4: just du to my earnings.

760
00:34:01,600 --> 00:34:05,280
Speaker 2: It's going to be so easy, very very nice. I

761
00:34:05,320 --> 00:34:08,680
Speaker 2: hope people aren't like comparing themselves and being like twenty

762
00:34:08,680 --> 00:34:11,680
Speaker 2: one in absolutely screw you know what, She's the outlier,

763
00:34:12,760 --> 00:34:15,080
Speaker 2: She's the weird one. It's not us.

764
00:34:15,200 --> 00:34:17,520
Speaker 4: I'm the psycho, not everyone else.

765
00:34:18,600 --> 00:34:21,560
Speaker 2: But tell me what are your best money habits? Like

766
00:34:21,640 --> 00:34:24,239
Speaker 2: I want more than one from you because I just

767
00:34:24,280 --> 00:34:26,400
Speaker 2: feel like you are a wealth of knowledge.

768
00:34:26,719 --> 00:34:30,440
Speaker 4: So my big one is not living above your means.

769
00:34:30,719 --> 00:34:33,680
Speaker 4: So I obviously earn a decent amount of income, and

770
00:34:34,160 --> 00:34:37,080
Speaker 4: especially in real estate, a lot of people blow a

771
00:34:37,080 --> 00:34:37,520
Speaker 4: lot of money.

772
00:34:37,560 --> 00:34:38,640
Speaker 2: Yeah, what car do you drive?

773
00:34:38,920 --> 00:34:43,280
Speaker 4: I do drive an Audi Q three.

774
00:34:44,600 --> 00:34:46,680
Speaker 2: Yeah, you're like, I live above my means. I'm gonna

775
00:34:46,680 --> 00:34:48,400
Speaker 2: ask about her car. Now. I know what you do.

776
00:34:48,440 --> 00:34:50,879
Speaker 2: If you're in real estate, it's not a push.

777
00:34:50,680 --> 00:34:52,319
Speaker 4: Like, it's not it's not a rolls roy you know,

778
00:34:52,400 --> 00:34:54,319
Speaker 4: it's it's a nice car.

779
00:34:54,440 --> 00:34:56,960
Speaker 2: I mean, it's still an Oudiq three. That's a very

780
00:34:57,040 --> 00:34:58,000
Speaker 2: very nice car.

781
00:34:58,200 --> 00:35:00,440
Speaker 4: It is a nice car. And I didn't get on a loan,

782
00:35:00,520 --> 00:35:02,840
Speaker 4: so I was very good about that. But just in

783
00:35:02,920 --> 00:35:05,399
Speaker 4: terms of like we we don't go out to nice,

784
00:35:05,400 --> 00:35:08,239
Speaker 4: fancy dinners. My kind of nice thing to go out

785
00:35:08,280 --> 00:35:10,960
Speaker 4: to is like a nice like a breakfast, so we

786
00:35:11,040 --> 00:35:13,880
Speaker 4: don't go and spend I don't buy designer items. I

787
00:35:13,880 --> 00:35:16,960
Speaker 4: don't buy you know, really nice shoes and really nice

788
00:35:17,400 --> 00:35:19,800
Speaker 4: clothes like it. I don't spend a lot of money

789
00:35:19,880 --> 00:35:23,239
Speaker 4: in that materialistic kind of way. As per se. I

790
00:35:23,280 --> 00:35:25,200
Speaker 4: always do things in terms of like an investment. So

791
00:35:25,280 --> 00:35:27,359
Speaker 4: my car, it was like, Okay, when I turn up

792
00:35:27,360 --> 00:35:29,960
Speaker 4: to clients' houses, how do I want them to perceive me?

793
00:35:30,200 --> 00:35:32,239
Speaker 2: You know what? I think it's important. And at the

794
00:35:32,320 --> 00:35:34,400
Speaker 2: end of the day, I do laugh because, as I

795
00:35:34,400 --> 00:35:36,359
Speaker 2: said before, I have a number of friends in real estate.

796
00:35:36,400 --> 00:35:38,760
Speaker 2: I literally have a property podcast, so I've made heaps

797
00:35:38,800 --> 00:35:42,040
Speaker 2: more friends in real estate and they all have beautiful cars.

798
00:35:42,040 --> 00:35:45,160
Speaker 2: But one thing that I thought was really funny about

799
00:35:45,200 --> 00:35:48,239
Speaker 2: that is that you do actually park in front of

800
00:35:48,239 --> 00:35:52,000
Speaker 2: their house, and inherently clients are going to look at

801
00:35:52,000 --> 00:35:54,560
Speaker 2: you and go, oh, you're young already, you're female already.

802
00:35:54,560 --> 00:35:56,360
Speaker 2: That's genuinely going to put you on the back foot.

803
00:35:56,480 --> 00:35:56,640
Speaker 4: Yep.

804
00:35:56,680 --> 00:35:58,920
Speaker 2: But by turning up in a nice car, they go, well,

805
00:35:58,960 --> 00:36:00,719
Speaker 2: she can't be doing that bad, Like she must be

806
00:36:00,719 --> 00:36:03,279
Speaker 2: pretty good at her job and it should not be

807
00:36:03,520 --> 00:36:05,600
Speaker 2: like that, but it is, but it is.

808
00:36:05,800 --> 00:36:06,120
Speaker 1: It is.

809
00:36:06,640 --> 00:36:09,000
Speaker 4: People always ask they go and wears your car, and

810
00:36:09,040 --> 00:36:10,680
Speaker 4: like I was just embarrassed because had the high on

811
00:36:10,760 --> 00:36:12,600
Speaker 4: DI I thirty and I was like, oh, you know,

812
00:36:12,840 --> 00:36:14,799
Speaker 4: I'd park down the street. I wouldn't even park in

813
00:36:14,800 --> 00:36:15,279
Speaker 4: front of the.

814
00:36:15,640 --> 00:36:18,200
Speaker 2: House, and like, that's not an embarrassing car. But you

815
00:36:18,680 --> 00:36:21,680
Speaker 2: in real estate, often when someone is selling a high

816
00:36:21,760 --> 00:36:25,640
Speaker 2: value item like their house, yes, they want proof that

817
00:36:25,760 --> 00:36:28,920
Speaker 2: you have money as well, so that you're making you're

818
00:36:28,920 --> 00:36:31,640
Speaker 2: a good financial decision to them. It's very strange. It

819
00:36:31,680 --> 00:36:34,640
Speaker 2: was the same in the wealth space. Like thankfully I

820
00:36:34,680 --> 00:36:38,840
Speaker 2: didn't often drive out to clients' houses because as a

821
00:36:38,840 --> 00:36:41,120
Speaker 2: financial advisor, most of them would actually come to me.

822
00:36:41,719 --> 00:36:43,799
Speaker 2: But it was one of those things that like, even

823
00:36:43,800 --> 00:36:46,400
Speaker 2: when I did drive to clients meetings, I'd be like, oh,

824
00:36:46,440 --> 00:36:48,560
Speaker 2: I have this two thousand and six that all are

825
00:36:49,080 --> 00:36:51,920
Speaker 2: old car, which I adore and we're gonna have to

826
00:36:51,920 --> 00:36:54,040
Speaker 2: get rid of soon because turns out a two door

827
00:36:54,239 --> 00:36:56,480
Speaker 2: two thousand and six car is not going to work

828
00:36:56,520 --> 00:36:59,399
Speaker 2: for a new board. That's a story for another day.

829
00:37:00,400 --> 00:37:03,080
Speaker 2: But genuinely, every time I would turn up, I'd be like, Ah,

830
00:37:03,160 --> 00:37:05,239
Speaker 2: these clients are worth millions and I'm turning up in

831
00:37:05,239 --> 00:37:08,080
Speaker 2: a car worth probably max three grand? Like what's that

832
00:37:08,120 --> 00:37:10,040
Speaker 2: going to look like? And isn't it weird that we

833
00:37:10,160 --> 00:37:12,400
Speaker 2: have to have these conversations with ourselves.

834
00:37:12,480 --> 00:37:15,279
Speaker 4: It's a perception, but it as well. It made me

835
00:37:15,440 --> 00:37:18,200
Speaker 4: more confident too, turning up in the nicer car, Like

836
00:37:18,200 --> 00:37:19,800
Speaker 4: it is all about perception.

837
00:37:20,360 --> 00:37:23,160
Speaker 2: I couldn't agree more, even though I don't like that

838
00:37:23,160 --> 00:37:26,680
Speaker 2: that's the case. Yes, so you're not living beyond your means,

839
00:37:26,680 --> 00:37:28,319
Speaker 2: but you do to have a nice car. What other

840
00:37:28,600 --> 00:37:30,839
Speaker 2: brilliant money tips and tricks have you got for us?

841
00:37:31,080 --> 00:37:35,040
Speaker 4: I buy a lot of things online and so I

842
00:37:35,120 --> 00:37:37,799
Speaker 4: always wait for sale. I will never buy anything full price.

843
00:37:37,880 --> 00:37:40,399
Speaker 4: You will never see me buy anything full price, even

844
00:37:40,440 --> 00:37:42,920
Speaker 4: like Wooly's shopping, I go on to like that. I

845
00:37:42,960 --> 00:37:44,520
Speaker 4: do it all online. So I go into like the

846
00:37:44,520 --> 00:37:46,920
Speaker 4: special section and they've got the half price section, and

847
00:37:47,280 --> 00:37:51,600
Speaker 4: I'll shop that first shop, build my recipes around whatever

848
00:37:51,800 --> 00:37:54,120
Speaker 4: was half price. Do you put a pay full price

849
00:37:54,160 --> 00:37:55,239
Speaker 4: for groceries?

850
00:37:55,440 --> 00:37:57,279
Speaker 2: Why pay full price when you don't have to?

851
00:37:57,560 --> 00:37:58,960
Speaker 4: Exactly, not at all.

852
00:37:59,040 --> 00:38:00,359
Speaker 2: It's how you stay rich.

853
00:38:00,640 --> 00:38:03,640
Speaker 4: Literally, it's you know people, and I always get made

854
00:38:03,640 --> 00:38:05,600
Speaker 4: fun of is, Oh, why don't you spend so much money?

855
00:38:05,640 --> 00:38:07,960
Speaker 4: Why I need it? Well, I keep spending it all.

856
00:38:08,239 --> 00:38:09,280
Speaker 4: I'm not gonna have the money.

857
00:38:09,400 --> 00:38:12,919
Speaker 2: I'm sorry. I'm financially confident and comfortable, thank you sir.

858
00:38:13,200 --> 00:38:16,320
Speaker 4: Yes, but that's really my main things. It's just, yeah,

859
00:38:16,400 --> 00:38:20,399
Speaker 4: not doing silly spends like I enjoy myself sometimes and

860
00:38:20,800 --> 00:38:23,919
Speaker 4: my husband definitely balances me out, thank goodness. Otherwise I'd

861
00:38:23,920 --> 00:38:26,399
Speaker 4: probably still be eating you know, like past every night

862
00:38:26,440 --> 00:38:28,840
Speaker 4: with sausages because I didn't even couldn't afford mints at

863
00:38:28,840 --> 00:38:33,879
Speaker 4: the time either. But every now and again we might

864
00:38:33,880 --> 00:38:36,320
Speaker 4: buy a steak or salmon. So it's you know, really

865
00:38:36,360 --> 00:38:37,360
Speaker 4: living it up in the world.

866
00:38:37,960 --> 00:38:41,000
Speaker 2: That's a bit fancy. I like it. Now, let's bring

867
00:38:41,040 --> 00:38:43,240
Speaker 2: it down a little bit. What's your worst money habit?

868
00:38:43,560 --> 00:38:46,279
Speaker 4: Just kind of contradictionyok, to what I said, But my

869
00:38:46,440 --> 00:38:48,880
Speaker 4: worst money habit is I get a lot of anxiety

870
00:38:49,040 --> 00:38:52,000
Speaker 4: spending money in terms of if we went out to

871
00:38:52,040 --> 00:38:54,239
Speaker 4: a nice dinner, I can't look at the bill, I

872
00:38:54,280 --> 00:38:56,840
Speaker 4: can't look at the menu with prices because it makes

873
00:38:56,880 --> 00:39:00,600
Speaker 4: me so anxious spending that money. So it came to

874
00:39:00,640 --> 00:39:03,719
Speaker 4: a point where like we wouldn't go out and we

875
00:39:03,760 --> 00:39:06,560
Speaker 4: would have not arguments because we don't argue, but you know,

876
00:39:06,719 --> 00:39:09,640
Speaker 4: big discussions about it. Because my husband came from, you know,

877
00:39:10,000 --> 00:39:13,240
Speaker 4: a very well off family where they worked really hard

878
00:39:13,320 --> 00:39:16,080
Speaker 4: and they did things to have fun and show for that.

879
00:39:16,239 --> 00:39:20,040
Speaker 4: So yeah, that's my big kind of yeah, worst money

880
00:39:20,080 --> 00:39:22,200
Speaker 4: habit is. I've got major anxiety to the point where

881
00:39:22,239 --> 00:39:25,040
Speaker 4: I can't buy myself a coffee every day, cannot the

882
00:39:25,080 --> 00:39:28,080
Speaker 4: mentality behind it, cannot spend the five dollars to my coffee.

883
00:39:28,160 --> 00:39:30,680
Speaker 2: Where is that coming from? I feel like I know

884
00:39:30,680 --> 00:39:32,319
Speaker 2: where that's coming from, But do you know where?

885
00:39:32,440 --> 00:39:34,759
Speaker 4: It's definitely coming from? My childhood and not having a

886
00:39:34,760 --> 00:39:38,480
Speaker 4: lot of money. And that's I yes, I fear in

887
00:39:38,560 --> 00:39:41,600
Speaker 4: the back of my mind in terms of what if

888
00:39:41,640 --> 00:39:44,600
Speaker 4: that happens. You know, what if my commission based job

889
00:39:44,680 --> 00:39:47,920
Speaker 4: I stopped selling? What if I run out of money?

890
00:39:47,960 --> 00:39:51,200
Speaker 4: You know, that's it's such a big I guess fear

891
00:39:51,239 --> 00:39:54,320
Speaker 4: in my mind where it's not a reality. It's probably

892
00:39:54,320 --> 00:39:57,600
Speaker 4: not going to happen, but it could. And that's kind

893
00:39:57,600 --> 00:40:01,080
Speaker 4: of where that anxiety definitely can can see. That is.

894
00:40:01,360 --> 00:40:04,000
Speaker 2: And do you have I guess have you sat down

895
00:40:04,040 --> 00:40:07,000
Speaker 2: and been like, Okay, well I'm a bit anxious about money.

896
00:40:07,080 --> 00:40:09,440
Speaker 2: I have a really good emergency fund and build those

897
00:40:09,480 --> 00:40:12,040
Speaker 2: things up. Is that something that you know obviously because

898
00:40:12,040 --> 00:40:15,400
Speaker 2: we're a bit more anxious, Are those things maybe healthier

899
00:40:15,440 --> 00:40:16,560
Speaker 2: than the average bears?

900
00:40:17,120 --> 00:40:21,720
Speaker 4: Yes, it would definitely be healthier than the average person.

901
00:40:22,320 --> 00:40:24,799
Speaker 4: And yet I kind of just combat it by, you know,

902
00:40:25,239 --> 00:40:28,680
Speaker 4: letting my although we have complete joint finance, it's letting

903
00:40:28,760 --> 00:40:31,759
Speaker 4: him pay for dinner because in my mind it's not

904
00:40:31,840 --> 00:40:34,480
Speaker 4: coming from me. I'm not seeing the bill and things

905
00:40:34,520 --> 00:40:36,359
Speaker 4: like that, because I still do want to enjoy in it.

906
00:40:36,640 --> 00:40:39,080
Speaker 4: I do think it's become easier now having my daughter,

907
00:40:39,160 --> 00:40:41,799
Speaker 4: because then I'm like, oh, I'm doing it for her,

908
00:40:42,120 --> 00:40:44,240
Speaker 4: so it's not for me. We're going to this place

909
00:40:44,600 --> 00:40:45,040
Speaker 4: for her.

910
00:40:45,800 --> 00:40:48,520
Speaker 2: Yeah, okay, all right, Still something that I think you

911
00:40:48,560 --> 00:40:51,400
Speaker 2: probably should work on, Yes, because that would be helpful.

912
00:40:51,480 --> 00:40:54,080
Speaker 2: I can tell it brings a lot of anxiety, and

913
00:40:54,120 --> 00:40:57,640
Speaker 2: I think it's actually a really good I guess insight

914
00:40:57,719 --> 00:40:59,959
Speaker 2: as well that just because you earn heaps of money

915
00:41:00,160 --> 00:41:03,440
Speaker 2: doesn't automatically mean that you're super happy, super free, super

916
00:41:03,880 --> 00:41:06,879
Speaker 2: you know, confident with money. It just means that maybe

917
00:41:06,880 --> 00:41:09,960
Speaker 2: you have more to worry about because you've obviously bitten

918
00:41:09,960 --> 00:41:11,799
Speaker 2: off a lot. Like, at the end of the day,

919
00:41:12,080 --> 00:41:14,880
Speaker 2: is it unreasonable? No, Like with that type of income,

920
00:41:15,280 --> 00:41:18,400
Speaker 2: with those projections, having three properties makes a lot of sense.

921
00:41:18,800 --> 00:41:21,600
Speaker 2: But you do sometimes lay awake at night thinking about,

922
00:41:21,600 --> 00:41:24,239
Speaker 2: oh my gosh, think about I mean more than a

923
00:41:24,239 --> 00:41:26,319
Speaker 2: million dollars worth of debt, Like this is crazy, and

924
00:41:26,360 --> 00:41:29,239
Speaker 2: I do the same thing, and you've kind of got

925
00:41:29,239 --> 00:41:31,400
Speaker 2: to normalize it and me like, well, actually, at the

926
00:41:31,480 --> 00:41:33,680
Speaker 2: end of the day, we're never going to be in

927
00:41:33,680 --> 00:41:35,960
Speaker 2: the position that like you were in when you were

928
00:41:35,960 --> 00:41:39,320
Speaker 2: growing up. Like, it's just not the reality of the circumstance.

929
00:41:39,440 --> 00:41:40,600
Speaker 4: It's never going to be.

930
00:41:40,680 --> 00:41:43,719
Speaker 2: We can't tell yourself that at three am, can you.

931
00:41:43,760 --> 00:41:45,200
Speaker 4: No, it's not going to let me go to sleep.

932
00:41:45,480 --> 00:41:49,240
Speaker 2: No, exactly. All right, Well, at the start of this episode,

933
00:41:49,280 --> 00:41:51,360
Speaker 2: you told us that your money habits were in a

934
00:41:51,480 --> 00:41:54,840
Speaker 2: mis and far out yep, Okay, Like I'm not going

935
00:41:54,920 --> 00:41:57,000
Speaker 2: to disagree with you, but what would it take to

936
00:41:57,040 --> 00:41:57,520
Speaker 2: get to that?

937
00:41:57,560 --> 00:42:02,160
Speaker 4: A plus for me, I would like to learn a

938
00:42:02,160 --> 00:42:06,920
Speaker 4: little bit more about investing in other avenues, so whether

939
00:42:06,960 --> 00:42:09,719
Speaker 4: that's in businesses or the share market, or a little

940
00:42:09,760 --> 00:42:11,960
Speaker 4: bit more about that rather than putting all my eggs

941
00:42:12,200 --> 00:42:14,719
Speaker 4: in property, because that's what I'm comfortable with and that's

942
00:42:14,760 --> 00:42:17,719
Speaker 4: what I know, and kind of getting over that anxiety

943
00:42:17,760 --> 00:42:20,560
Speaker 4: spending and just having a little bit more per se

944
00:42:20,719 --> 00:42:23,919
Speaker 4: fun in terms of I work really really hard and

945
00:42:24,480 --> 00:42:27,640
Speaker 4: I can't just you know, work to live. I do

946
00:42:27,719 --> 00:42:29,360
Speaker 4: have to just live a little as well.

947
00:42:29,560 --> 00:42:31,880
Speaker 2: Yeah, I love that. I genuinely love that, and I

948
00:42:31,880 --> 00:42:34,799
Speaker 2: think it's so important. And you've got so much time

949
00:42:34,840 --> 00:42:36,080
Speaker 2: to make that happen as well.

950
00:42:36,239 --> 00:42:40,600
Speaker 4: I do, Like you're still a baby. I've got a

951
00:42:40,640 --> 00:42:43,200
Speaker 4: little bit of time to make sure that all kind

952
00:42:43,200 --> 00:42:46,720
Speaker 4: of creases out by the time I'm ready to retire

953
00:42:46,760 --> 00:42:48,560
Speaker 4: and live life a little bit more as well.

954
00:42:48,560 --> 00:42:51,120
Speaker 2: Oh my gosh, what like tomorrow, because like that that

955
00:42:51,160 --> 00:42:52,120
Speaker 2: wouldn't surprise me.

956
00:42:52,239 --> 00:42:53,600
Speaker 4: Honestly, I think I'm want to be the person who

957
00:42:53,640 --> 00:42:55,840
Speaker 4: will never be able to retire. I'm just so afraid

958
00:42:55,920 --> 00:42:56,120
Speaker 4: of that.

959
00:42:57,000 --> 00:42:59,040
Speaker 2: Yeah, same, don't worry like if you said that you

960
00:42:59,040 --> 00:43:01,680
Speaker 2: can't work anymore? But what is my purpose in life?

961
00:43:01,800 --> 00:43:02,959
Speaker 4: What do I do every day?

962
00:43:03,120 --> 00:43:05,360
Speaker 2: What do I do every day? Like I just gardening? No,

963
00:43:05,480 --> 00:43:07,120
Speaker 2: I can't do gardening? What do you mean?

964
00:43:08,000 --> 00:43:08,080
Speaker 1: So?

965
00:43:08,360 --> 00:43:12,080
Speaker 2: No, I completely understand that, but oh my gosh, sadly

966
00:43:12,120 --> 00:43:15,080
Speaker 2: we have run out of time. Thank you so much

967
00:43:15,080 --> 00:43:16,880
Speaker 2: for sharing that with us and being so open and

968
00:43:16,920 --> 00:43:19,200
Speaker 2: so transparent and putting up with all of my I

969
00:43:19,239 --> 00:43:22,480
Speaker 2: guess pervy questions from money to maternity, Like I just

970
00:43:22,600 --> 00:43:24,960
Speaker 2: there was a lot there, and I'm really grateful for

971
00:43:25,000 --> 00:43:27,799
Speaker 2: the insights. And I know that everyone listening to this

972
00:43:27,960 --> 00:43:29,480
Speaker 2: is going to be equally as grateful.

973
00:43:29,640 --> 00:43:30,640
Speaker 4: No, thank you so much.

974
00:43:37,160 --> 00:43:39,680
Speaker 5: The advice shared on She's on the Money is general

975
00:43:39,719 --> 00:43:43,600
Speaker 5: in nature and does not consider your individual circumstances. She's

976
00:43:43,640 --> 00:43:47,040
Speaker 5: on the Money exists purely for educational purposes and should

977
00:43:47,120 --> 00:43:50,280
Speaker 5: not be relied upon to make an investment or financial decision.

978
00:43:50,680 --> 00:43:53,120
Speaker 5: If you do choose to buy a financial product, read

979
00:43:53,160 --> 00:43:56,400
Speaker 5: the PDS TMD and obtain appropriate financial.

980
00:43:56,080 --> 00:43:57,880
Speaker 2: Advice tailored towards your needs.

981
00:43:58,200 --> 00:44:02,160
Speaker 5: Victoria Divine and She's On of Money are authorized representatives

982
00:44:02,200 --> 00:44:04,560
Speaker 5: of money, sirper P T Y L T D A

983
00:44:04,680 --> 00:44:07,600
Speaker 5: b N three two one six four nine two seven

984
00:44:07,680 --> 00:44:10,560
Speaker 5: seven zero eight A F s L four five one

985
00:44:10,719 --> 00:44:13,680
Speaker 5: two eight nine