Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr
Speaker 1: the Order Kerney Whalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money. The podcast
Speaker 2: are millennials who want financial freedom. Welcome back to another
Speaker 2: one of our money diaries where I get the absolute
Speaker 2: opportunity to talk to one of our incredible She's on
Speaker 2: the Money community members all about their journey. Let's jump
Speaker 2: straight into it because this week I got a message
Speaker 2: and it sounded a lot like this. Hi, Victoria. I
Speaker 2: grew up sharing a bedroom with my mum and two siblings.
Speaker 2: I'm now twenty one, I own three properties, I'm married
Speaker 2: and I just gave birth to a beautiful baby girl.
Speaker 2: I cannot wait to share my tale of hard work
Speaker 2: and hustle with the community. Money Diarist, I cannot wait
Speaker 2: for you to share your story with us. What the
Speaker 2: hecking you're twenty one?
Speaker 3: Yes, well that's been insane hearing it back.
Speaker 2: You're twenty one and own three properties and have a
Speaker 2: baby andremou I have so many questions. I'm very excited
Speaker 2: about this though. So let's start the show as we
Speaker 2: always do, before you dive into who you are and
Speaker 2: what you're about, because I definitely am going to take
Speaker 2: this show right there. I want to know first things first,
Speaker 2: what would you grade your money habits if I asked
Speaker 2: you to give them a grade from A through to F.
Speaker 3: So I had a big think about this after listening
Speaker 3: to a lot of money stories and a lot of
Speaker 3: people grading themselves because you very you know, adamant on
Speaker 3: how you grade yourselves. So for me, I would grade
Speaker 3: myself an A midas.
Speaker 2: Ooh, and she's really good at money. This episode is
Speaker 2: going to be leased. I cannot wait, Money Darist, I'm
Speaker 2: very excited. Let's just jump straight in. Can you tell
Speaker 2: me a bit more about your money story? And I
Speaker 2: guess your journey in general.
Speaker 3: Yeah, so I grew up with divorce parents. My parents
Speaker 3: divorce when I was quite young. My mum she had
Speaker 3: a stable job, had a government job, you know, but
Speaker 3: pretty much lived paycheck to paycheck. So we actually ended
Speaker 3: up pretty much when I was in high school living
Speaker 3: in my auntie's house. We were all in like one bedroom,
Speaker 3: kind of like a built in garage situation. It was
Speaker 3: my mom, my brother, my younger sister. From there, I
Speaker 3: kind of just was like, I don't want to have
Speaker 3: this life when I grow up, if you know, that
Speaker 3: kind of makes sense. So pretty much throughout all of
Speaker 3: high school I worked insanely hard in terms of I
Speaker 3: worked like I would say, over thirty hours a week
Speaker 3: while I was still in school, which is just ridiculous
Speaker 3: to think about it.
Speaker 2: You're crazy. Yeah, And like when you think about these
Speaker 2: things in hindsight, like I remember looking back on like
Speaker 2: how I managed UNI and work, and I was working
Speaker 2: a full time job and doing full time UNI, and
Speaker 2: now I cannot think of how I actually managed that
Speaker 2: and had a social life. Do you look back and go,
Speaker 2: that's insane.
Speaker 3: I didn't have a social life, So I think that
Speaker 3: was the main thing in high school. That's helpful. Yeah,
Speaker 3: that really cut out. You know. Instead of partying on
Speaker 3: Saturday nights, I was working on Saturday nights.
Speaker 2: So it you know, what kind of jobs did you have?
Speaker 3: So I mainly did. I always did two. So I
Speaker 3: would always do like a retail and a hospitality job
Speaker 3: because I would get bored of one.
Speaker 2: I did the same thing and I would get bored
Speaker 2: of them. But also you can like double back them. Yeah,
Speaker 2: so like you would like work through retail one during
Speaker 2: the day in the hospital one at night. I thought
Speaker 2: I was hacking the system exactly.
Speaker 3: You could like get the penalty rates on the certain
Speaker 3: days whichever's going to be better. That's what I did.
Speaker 2: Yeah, I always worked Sundays in retail because it was
Speaker 2: double time and a half. Of course I want that
Speaker 2: Sunday Sunday exactly.
Speaker 3: And I was under eighteen, so I worked in like
Speaker 3: an RSL, which in Queensland where I am, you had
Speaker 3: to get paid at eighteen year old rate because you're
Speaker 3: serving you're dealing with alcohol.
Speaker 2: Perfect oo stunning.
Speaker 3: I love that good hack for people.
Speaker 2: So you're working two jobs in high school, thirty hours
Speaker 2: a week. Then what happened?
Speaker 3: Then I I'd always been told to go to university,
Speaker 3: so I was quite an academic student. I got a
Speaker 3: good op. I got into the degree I wanted to
Speaker 3: get into, which was a Bachelor of Law and a
Speaker 3: Bachelor of Business or a double degree. That's what my
Speaker 3: mum wanted me to do. That was the kind of
Speaker 3: career path she had had in terms of going to
Speaker 3: UNI getting a job. I pretty much got into that
Speaker 3: and I hated it. It was horrible. I really didn't
Speaker 3: like studying at UNI. COVID hit at the time because
Speaker 3: it was twenty twenty when I was my first year
Speaker 3: of UNI.
Speaker 2: The idea that you've gone through UNI and COVID it
Speaker 2: was happening at the same time and you're now out
Speaker 2: of UNI and I'm married, didn't have a baby, blows
Speaker 2: my mind.
Speaker 3: Oh, it was such like I just yeah, I did
Speaker 3: not like it at all. But I'm not a person
Speaker 3: that gives up. So I kind of had this epiphany
Speaker 3: when I was eighteen. So I turned eighteen and twenty
Speaker 3: twenty when I had a heap of cash because I
Speaker 3: had worked and didn't really spend any money. I was
Speaker 3: at the time kind of living at home, kind of
Speaker 3: not living at home. And that's when I decided, Oh,
Speaker 3: I might just buy my first property. I didn't want
Speaker 3: to tell anyone.
Speaker 2: Oh I might just buy my first house. Yeah that
Speaker 2: makes sense.
Speaker 3: Yeah, might just by it, didn't actually tell anyone, didn't
Speaker 3: tell my mom, didn't tell any single person. No one
Speaker 3: knew I'd bought this property at all. Yeah, you didn't even.
Speaker 2: Tell your mom. You were like, oh, by the way, didn't.
Speaker 3: Tell my mom. At that point in time, i'd moved
Speaker 3: out and then COVID hit, so I lost all my
Speaker 3: jobs with hospitality, so I had moved back, I know.
Speaker 3: So it was a bit stressful ward moved back into
Speaker 3: my parents' place.
Speaker 2: But no one knew you had a mortgage.
Speaker 3: No, Yeah, And then I had bought a place, like
Speaker 3: probably it was in the middle of the years. I
Speaker 3: bought a place around like June twenty twenty, and no
Speaker 3: one knew at all. It was kind of a big
Speaker 3: secret until I got things in Queensland. Kind of came
Speaker 3: back quite quickly, and I was doing it overnight shift
Speaker 3: in like Pokis, so like it's a six am to
Speaker 3: five am, and at like seven pm, I just get
Speaker 3: a I get a like a picture sent through from
Speaker 3: my mom of like a bill from the property I owned,
Speaker 3: and it had come to her house accidentally, and so
Speaker 3: she'd found out about this property. And I still had
Speaker 3: so many hours to go, and it was just like,
Speaker 3: please come talk to me when you get home. It
Speaker 3: was like five am when I got home after working
Speaker 3: a big shift. Wasn't fun.
Speaker 2: Why did you want to keep that a secret? Why
Speaker 2: did you not want to tell anybody? Because like feel
Speaker 2: like that's the exact opposite of everyone in our community.
Speaker 2: Like once you've gotten to that point of being able
Speaker 2: to buy a house, like we are celebrating my friend,
Speaker 2: like we want to tell everybody that we've achieved this
Speaker 2: massive goal. And you're like, oh, by the way, absolutely
Speaker 2: not not even going to tell my mom.
Speaker 3: The funny thing is when I say didn't tell anyone,
Speaker 3: I didn't tell anyone personal. So my mom didn't believe
Speaker 3: in buying properties and things that she believed in spend
Speaker 3: your money when you have it, when you're young, have fun.
Speaker 3: It's not really my mentality. But I actually and I
Speaker 3: went back and looked at this morning. I actually did
Speaker 3: a post on She's and the money, and like got
Speaker 3: a heap of reaction. It was like five thousand people reacted.
Speaker 3: I had like over five hundred comments, so I shared
Speaker 3: it to She's on money, like the Facebook.
Speaker 2: You told me, but you didn't tell your mom. Yeah,
Speaker 2: I love you, You're my favorite. That's amazing. So you told
Speaker 2: my community, call the community of it. But you were like,
Speaker 2: I forgot my mom. Yeah, well maybe if she was
Speaker 2: in the group she would know.
Speaker 3: Maybe she could have found out that way, but she didn't.
Speaker 2: It's amazing. I love that. That is actually so funny.
Speaker 2: How did the conversation about the rates letter go? Did
Speaker 2: you try and be like, I don't know what that's formum?
Speaker 2: Or did you go oh, by the way, I'm also
Speaker 2: a baller.
Speaker 3: I kind of was like, well, why did you open
Speaker 3: my mail?
Speaker 2: Yeah, that's what I've done too. Yeah.
Speaker 3: I kind of went to the backpedal and I was like,
Speaker 3: why did you open my mouth? Like that's such an
Speaker 3: invasion of privacy. Didn't really work.
Speaker 2: No, I wouldn't have had a bar of that either.
Speaker 3: No, it didn't work, but that was okay. She got
Speaker 3: over it. She's like, you know, just can't believe you
Speaker 3: spent your money that way, which is just so ridiculous
Speaker 3: in my mind.
Speaker 2: But yeah, it makes sense as to why you didn't
Speaker 2: tell her then, Yes, yes, I.
Speaker 3: Just knew there would be a lot of a lot
Speaker 3: of judgments behind that.
Speaker 2: And you just don't need that at that point in
Speaker 2: your life. I fully respect that. So then what happened then?
Speaker 3: So I bought that the middle of twenty twenty, and
Speaker 3: at that time, so I was doing my law degree.
Speaker 3: Hated it, but I don't. I don't give up things,
Speaker 3: and so I wasn't going to drop out of it.
Speaker 3: Didn't anything else. And the guy I bought it off,
Speaker 3: so the real estate agent, I asked him. I was like, oh,
Speaker 3: you know, like how much money did you earn from this?
Speaker 3: And he told me his commission. I was like, oh, it's.
Speaker 2: Like wow, stayed at sudents, break it in. Obviously we're
Speaker 2: going to get to what you spend with the people
Speaker 2: who don't know how much real estate agents make. It's
Speaker 2: a lot, yes, but I was like wow, okay.
Speaker 3: And so he literally was just like, well, you're eighteen.
Speaker 3: You must be doing something right, because no eighteen year
Speaker 3: old in their right mind, unless they're motivated. I have
Speaker 3: the work ethic can save up this much money? True,
Speaker 3: do you want to come work for me?
Speaker 2: And I didn't.
Speaker 3: Yeah. Yeah. My friends asked me, like how you did it,
Speaker 3: and I just said I don't know.
Speaker 2: Neither do I, Babe, neither do I.
Speaker 3: So yeah, he kind of chased me up for every month,
Speaker 3: told me, you know, you should come join. I was
Speaker 3: still doing my degree at the time, didn't really know
Speaker 3: what to do. I'd fast track the degree to I've
Speaker 3: done like a year and a half, two years in
Speaker 3: one year.
Speaker 2: Again, of course you do, am I not surprised you did, yep.
Speaker 3: So then I decided, Look, I'll started in January. I'll
Speaker 3: do a year in real estate, and if I don't
Speaker 3: like it, I'll go back to UNI. And nothing's happened.
Speaker 3: It's all good. I haven't lost a year technically, or
Speaker 3: if it does go I'll continue. And that's kind of
Speaker 3: what I did. I went into that, which obviously will
Speaker 3: be the next question.
Speaker 2: But you're still in real estate, aren't you.
Speaker 3: I am still in real estate.
Speaker 2: Yes, And that's not because I know and I've asked.
Speaker 2: It's actually a grand assumption on my behalf, because if
Speaker 2: you're telling me you have this work ethic like you
Speaker 2: would thrive in real estate.
Speaker 4: Yeah.
Speaker 3: It is a very hard industry, which.
Speaker 2: I'm going to guess again, is why you're able to
Speaker 2: purchase more than one problem?
Speaker 3: Yes, yes, yeah, it's not just because I could like
Speaker 3: pick up a property at like ten dollars unfortunately.
Speaker 2: Yeah, yeah, yeah, all right, carry on, carry on. So
Speaker 2: you're in real estate.
Speaker 3: Yes, in real estate. And then I had kind of
Speaker 3: a crazy two years. I guess. I started in real
Speaker 3: estate in started twenty twenty one, I you know, did
Speaker 3: really well. I actually ended up dropping the law degree,
Speaker 3: but I continued the business degree in secret because my
Speaker 3: boss told me I couldn't do UNI if I was
Speaker 3: doing the job.
Speaker 2: You did a secret degree. Yes, you're buying house doing
Speaker 2: secret degrees.
Speaker 3: Lots of secrets. So I finished. I did, kept doing
Speaker 3: that degree in the background, worked really hard, worked my
Speaker 3: butt off, absolutely loved it, and decided that I was
Speaker 3: definitely not going to go back and study law. I
Speaker 3: did not want to be a lawyer, and real estate was,
Speaker 3: I guess, the thing to do.
Speaker 2: And how old are you at this point?
Speaker 3: At that point, so started twenty twenty one, I was
Speaker 3: going into being nineteen. And that's also when I met
Speaker 3: my now husband, was right at the start of that
Speaker 3: year too, So everything happened.
Speaker 2: How did you meet by a hinge?
Speaker 3: I one hundred percent rate it.
Speaker 2: I love this. I met my husband on Tinder, so
Speaker 2: absolutely no no app judgment, guys.
Speaker 3: I love the apps. Oh so much easier to choose
Speaker 3: people on the apps.
Speaker 2: Literally, I just went and picked up a husband. It
Speaker 2: was fantastic.
Speaker 3: No one has time for these weird dates.
Speaker 2: I'm not going to go to a bar, and you
Speaker 2: know what, the type of person I wanted to meet,
Speaker 2: they were not just vibing at the mark, like if
Speaker 2: you say, oh, there's a dude down at the bar,
Speaker 2: like you could go chat to here. I don't want
Speaker 2: that type of person.
Speaker 3: Yeah, I don't think the type of person I'm going
Speaker 3: for like not really my thing.
Speaker 2: No thanks, babe, I want someone booked and business.
Speaker 3: I need sometime, we need to like schedule.
Speaker 2: So you met your husband at the start of the year,
Speaker 2: and then.
Speaker 3: And then by December twenty twenty one we were engaged.
Speaker 2: So of that moved quickly, moved really quick.
Speaker 3: But even quicker is that we were then married in
Speaker 3: ninety days. So we had a ninety day engagement and married.
Speaker 2: Did he need a visa or something? Is Is there
Speaker 2: a catch? No catch?
Speaker 3: No catch? My dream venue had a cancelation and it's
Speaker 3: normally like a two year wait, and I was like,
Speaker 3: screw it, We'll just do it.
Speaker 2: Oh that's so wholesome. So how was planning a wedding
Speaker 2: in ninety days because I had an entire year and
Speaker 2: I still nearly die.
Speaker 3: I would one hundred percent recommend it.
Speaker 2: Oh you'd recommend it. Oh of course she would. She
Speaker 2: does secret degrees by secret properties. Since she'd recommend planning
Speaker 2: your wedding in ninety days because.
Speaker 3: You didn't have much choice, so it was just whoever
Speaker 3: was available, you booked. You didn't have to overlook it lock.
Speaker 2: It in yet. Yeah, yeah, all right, I can see why.
Speaker 2: You know, I feel like the wedding planning got easier
Speaker 2: as the pressure increased, because.
Speaker 3: Otherwise you kind of just you let it go, kind
Speaker 3: of dragged on a bit, and you really didn't do
Speaker 3: much until the last three months anyway.
Speaker 2: So tell me, was there a lot of judgment as
Speaker 2: a nineteen now twenty year old getting married so quickly,
Speaker 2: Because like, I'm very much a believer of when you know,
Speaker 2: you know, like creepily enough. On my first date, I
Speaker 2: knew I was going to marry my husband and my
Speaker 2: husband will say exactly the same thing. And if you
Speaker 2: had told me even a week before meeting Steve that
Speaker 2: that would be the outcome, I'd be like, that's insane,
Speaker 2: that is nuts, that is not what real life is, Like,
Speaker 2: what are you talking about? So tell me how did
Speaker 2: that work? When you also have the added, I guess
Speaker 2: layer of being really young.
Speaker 3: Yes, I mean probably a lot of people said stuff
Speaker 3: and didn't tell me.
Speaker 2: You know, oh yeah gossip great, we love that, yeah.
Speaker 3: Which is fine. My mum wasn't the most supportive. She
Speaker 3: loves my husband, she does, but just the whole very quickly,
Speaker 3: very young. She wasn't the engagement she was okay with,
Speaker 3: but it was the fact that we got married so
Speaker 3: quickly was a bit like, oh okay, not that happy.
Speaker 3: Whilst my husband's parents they actually had the same kind
Speaker 3: of timeline, so when they met was quite young. They
Speaker 3: got married with and about about the you know, twelve
Speaker 3: to twenty four months. Mark had kids quite quickly too,
Speaker 3: so Gay knew.
Speaker 2: Oh okay, and how old is your husband? So it
Speaker 2: can be real real pervy.
Speaker 3: He is, So I'm yeah twenty one now, so he's
Speaker 3: twenty five?
Speaker 2: Yeah, okay, Like there's not massive age differences or anything
Speaker 2: like that.
Speaker 3: Not a massive age difference, but you're definitely got to
Speaker 3: go for the more mature guys twenty one probably wouldn't.
Speaker 2: Have all agree. Steeve's older than I am, and I
Speaker 2: wouldn't change it because I think that we're both on
Speaker 2: the same mental level.
Speaker 3: Now, yes, yes, same mental level.
Speaker 2: So you're married. You now have a daughter?
Speaker 3: Yes, she is just turned four months old. So I
Speaker 3: had her, Yeah, in August of this year.
Speaker 2: Oh my gosh, congratulations mom, that's so exciting.
Speaker 3: Yes, it's a lot, but you know, wouldn't change up
Speaker 3: the world.
Speaker 2: So now tell me about work life balance. So you're
Speaker 2: still working in Really we'll get to the pay part,
Speaker 2: but like, how did you manage becoming a young mum
Speaker 2: as well as like work and life and having a
Speaker 2: husband and all of that other fun stuff.
Speaker 3: Yes, well, I work like a commission based job, so
Speaker 3: I run my own kind of business. It's all about
Speaker 3: how much I work, how much I own. So I'm
Speaker 3: a big workaholic. If anyone couldn't tell didn't say that coming, No, No,
Speaker 3: I actually pretty much as I was giving birth, I
Speaker 3: sold two properties and at auctions at night.
Speaker 2: Why is none of this. Surprisingly, yeah, and it would
Speaker 2: be nice commissions.
Speaker 3: Yeah, it was really good. You know, a great day
Speaker 3: gay birth got some commissions. Couldn't think of anything better.
Speaker 2: But yeah, you got paid to give birth. I love
Speaker 2: this for you.
Speaker 3: Win win, But yeah, I gave birth on a Thursday.
Speaker 3: By the Sunday we were back home, I was I
Speaker 3: really wanted to get back home because I couldn't take
Speaker 3: any calls while in the hospital because people just kept
Speaker 3: interrupting me.
Speaker 2: That's not why I like, I'm not just excited to
Speaker 2: get my new daughter home and like, you know, have
Speaker 2: that nest in the phase and that like, you know,
Speaker 2: a little newborn bubble they talk about. You were like,
Speaker 2: get my laptop and my phone back in my hand asap.
Speaker 3: Literally on my last day, they were like trying to
Speaker 3: do something and I was trying to type up an appraisal,
Speaker 3: and I was like, oh, can you just wait, you know,
Speaker 3: five minutes. I just got to send this email. Then
Speaker 3: we'll be good and you can do whatever you have
Speaker 3: to do.
Speaker 2: That will be me. And you know what, I regret nothing.
Speaker 3: You don't because they're sleeping most of the time anyway,
Speaker 3: you're not really missing out on much. But yeah, I
Speaker 3: was back working on Monday. I was at home for
Speaker 3: two weeks, and then I was back in the office
Speaker 3: Monday today. From two weeks on.
Speaker 2: Can I be really pervy? Because yes, as somebody who
Speaker 2: is now seven months pregnant and due to give birth
Speaker 2: really soon, my plan is to take at this point
Speaker 2: in time, six to eight weeks of maternity leave, right,
Speaker 2: So everyone thinks that that is.
Speaker 3: Like everything's're crazy?
Speaker 2: True little they think I'm insane. My business partner, Kate
Speaker 2: in Zella Money, she took two weeks. I'm not saying
Speaker 2: that this is normal, and I'm not saying that this
Speaker 2: is something that we should be rewarding, because I think that,
Speaker 2: you know, having that time is so special and I
Speaker 2: totally get it. But I am, arguably, and I'm maybe
Speaker 2: speaking for you here as well, I'm a psychopath. Like
Speaker 2: I know that I will be more grounded, a better mum,
Speaker 2: a better everything if you let me do my thing
Speaker 2: and be a mum at the same time. If you
Speaker 2: tell me to do one of those things, I'm going
Speaker 2: to go up the wall. But talk to me about
Speaker 2: like the actual recovery two weeks after birth, Like, I'm sorry,
Speaker 2: are you not still bleeding and in pain and not
Speaker 2: having a good time, Like, was that actually a good idea?
Speaker 3: Look, I think people make and it really does depend.
Speaker 3: I'm a lot younger, so I will admit young pregnancys
Speaker 3: and births. I do think it easier than when you
Speaker 3: are older. It's just it's how you know natural is
Speaker 3: So for me it was, you know, natural birth. I
Speaker 3: had the epiduit, which is the best thing ever. And
Speaker 3: I didn't have any tearing, which is very surprising.
Speaker 2: Or it must be nice. Side note for those of
Speaker 2: you following along. I did a birth with Beth course
Speaker 2: a couple of weeks ago with my husband, and I
Speaker 2: was like, I know so much of this. I listened
Speaker 2: to so many podcasts and they were like, eighty five
Speaker 2: percent of women tear during childbirth, and I was like, sorry, sorry,
Speaker 2: that's not a statistic. I was ready for yeap so
Speaker 2: to not tear at all. We're gonna have to take
Speaker 2: this conversation offline. I need all your chips, all your tricks.
Speaker 2: I want that.
Speaker 3: I know. So that was a big thing because obviously
Speaker 3: that means that recovery it is a lot easy. It
Speaker 3: is way easier. Like I think it was more of
Speaker 3: you know, once I got out of hospital. To be honest,
Speaker 3: I wasn't really It was kind of like a period
Speaker 3: after that for the next maybe week or so. So
Speaker 3: by the two.
Speaker 2: Week mar so you had it relatively easily.
Speaker 3: I did, so I will have met birth. Everything was
Speaker 3: quite on the easier side, which meant recovery. I was,
Speaker 3: you know, I was ready to go as soon as
Speaker 3: we got out of the hospital. I probably could have,
Speaker 3: you know, gone and done things like I think I was,
Speaker 3: you know, walking and things like that, going for walks
Speaker 3: and that as soon as we were back.
Speaker 2: You sound like Kate. She was also quite young when
Speaker 2: she had her babies, so that makes sense. I just
Speaker 2: I also want to just pinpoint it here and say
Speaker 2: that we're definitely not trying to glorify that that's any
Speaker 2: type of expectation. It's just so perfect. When you hear
Speaker 2: someone who has done I'm like, wait, what story how
Speaker 2: because it's not the norm, and like, you know, so
Speaker 2: many women are like, oh, twelve months wasn't enough for
Speaker 2: Matt leave and like that's so fine. Like I have
Speaker 2: a best friend who is the exact opposite of me
Speaker 2: in every single way, and I adore her and twelve
Speaker 2: months leave was not enough for her. And I look
Speaker 2: at it and I go, I just couldn't do that.
Speaker 2: I think we need to just talk about every type
Speaker 2: of experience and go, wow, I'm glad you had the choice.
Speaker 3: I'd never heard of people actually going back so quickly
Speaker 3: or so quickly by choice. Yes, some people have to
Speaker 3: go back because of financial reasons. Mine was by choice. Yeah.
Speaker 2: See, mine will be choice as well. And I think
Speaker 2: that that changes the game completely.
Speaker 3: It does. But I couldn't be a stay at home
Speaker 3: on full time my personality. I'd like some days I
Speaker 3: have to because chulk I things like that, and oh,
Speaker 3: I go, oh, I give it up for all the
Speaker 3: stay at home moms.
Speaker 2: So now tell me. I want to ask a pervy question.
Speaker 2: You obviously do real estate for work, but what's your
Speaker 2: job title? And how much money do you earn?
Speaker 1: Yep?
Speaker 3: So I am like a real estate sales agent. So
Speaker 3: I sell the properties roughly. So last year I roughly
Speaker 3: did between about three hundred and fifty thousand to four
Speaker 3: hundred thousand.
Speaker 2: And that's your take home total salary.
Speaker 3: That's my take home yep, before tax and things like that. Yeah.
Speaker 2: Absolutely, do you know what I feel like when people
Speaker 2: start hearing that, they're like, maybe I could have done
Speaker 2: two weeks of matt Leeve if I had that income. Yeah, yeah,
Speaker 2: that makes a lot of sense to me. Have a
Speaker 2: lot of friends in real estate. Can you break it
Speaker 2: down a little bit though, So you said before you
Speaker 2: kind of have like a commissions based role. What does
Speaker 2: that mean? And how much do you get paid? Like,
Speaker 2: do you get paid when you sell one property? Do
Speaker 2: you have a retainer that you're on? If so, what's
Speaker 2: that like? Give me the low down so that anyone
Speaker 2: listening to this, that's like I didn't realize that's how
Speaker 2: sales agents got paid. They can just be a little
Speaker 2: bit more knowledgeable.
Speaker 3: Yeah, So when you first start, so back in twenty
Speaker 3: twenty one, you start on minimum wage. So I was
Speaker 3: on literal minimum wage, and you're on like a retainer.
Speaker 3: So it's called a debit credit and you pay back
Speaker 3: every time you sell something. A split happens, So depending
Speaker 3: on what your split is, but normally your franchise takes
Speaker 3: percentage and then your actual office like principal, takes percentage
Speaker 3: and then you get a cut. That cut will then
Speaker 3: cover your retainer to begin with, and then you get
Speaker 3: the rest. I'm now at a point where I'm a contractor,
Speaker 3: so I just invoice for every sale of my.
Speaker 2: Cuts every property you sell. So what does a retainer
Speaker 2: look like? Is that thirty thousand dollars? Is it fifty?
Speaker 3: At the point when just minimum wage? So when I
Speaker 3: was in twenty twenty one, when I was the minimum wage,
Speaker 3: I think it was like forty five thousand or something.
Speaker 2: And then you essentially need to sell enough properties to
Speaker 2: cover that forty five thousand dollars to pay back your
Speaker 2: business that has hired you, and then anything above that
Speaker 2: is cream. You said that there's a split, so obviously
Speaker 2: between the franchise and the office owner and you. What
Speaker 2: kind of percentage were you taking home at that point?
Speaker 3: Yeah, so it would be out of one hundred percent,
Speaker 3: eight percent would be taken to the franchise and then
Speaker 3: forty percent would be taken to the owner and sixty
Speaker 3: percent would be taken to me.
Speaker 2: That is a I split. Hey, I should have become
Speaker 2: a real estate agent.
Speaker 3: So it's really good.
Speaker 2: And per sale, let's, you know, break it down even
Speaker 2: further because I know what it is. What kind of
Speaker 2: percentage of the property price is a I guess a
Speaker 2: sale work.
Speaker 3: Typically in Queensland you charge anywhere from about two point
Speaker 3: five percent to three point five percent of the sale price.
Speaker 2: Right, and then that amount is what that commission is
Speaker 2: made up of. And that's actually standard. Like we're not saying,
Speaker 2: oh my gosh, that's so much. We're more like contextualizing
Speaker 2: it so that you guys can understand exactly what that means.
Speaker 2: Because I'm so pervy. When I started to learn about
Speaker 2: real estate, I was like, sorry, what now, Like that
Speaker 2: makes it insane. So what you're telling me is in
Speaker 2: twenty twenty one, when you started, you were on forty
Speaker 2: five thousand dollars, and now you weren't four hundred thousand dollars. Yes,
Speaker 2: that's pretty good. That's not bad.
Speaker 3: Yes, and it's you know, I will have to put
Speaker 3: it out there. Not everyone does earn that much. You know.
Speaker 3: What people don't realize in real estate is that I
Speaker 3: think it. The statistic is eighty five percent of real
Speaker 3: estate agents actually earn less than eighty thousand dollars a
Speaker 3: year or something along those lines.
Speaker 2: So no, no, no, that's very accurate.
Speaker 3: Yeah, so's it's one of those things where yes, I
Speaker 3: do earn a lot of money, but it's not something
Speaker 3: where it's industry wide that everyone earns that much money.
Speaker 2: Yeah, that's not normal. But what is cool is that
Speaker 2: it's completely in your control. So when you were explaining
Speaker 2: it before, you were like, oh, I had a fifty
Speaker 2: thousand dollars in savings at eighteen, and then this real
Speaker 2: estate agent was talking to me and said I'd be
Speaker 2: good in it. I was like, of course she's going
Speaker 2: to be good at it. She's a hustler. Look at
Speaker 2: that work ethic. Look at what's going on. I obviously
Speaker 2: didn't know before we started recording what you were earning,
Speaker 2: and I was very likely going to guess like three
Speaker 2: hundred grand at least, because that ethic kind of like
Speaker 2: really plays into it. And that's not something that's trainable. Like,
Speaker 2: and I don't mean this in a mean or a
Speaker 2: rude way, but like it's ingrained in some people to
Speaker 2: like work insanely hard and they're super motivated, whereas other
Speaker 2: people will be like, oh man, it's like six o'clock.
Speaker 2: I'm absolutely not taking client calls after this. Tell me,
Speaker 2: my friend about your work life balance. How many hours
Speaker 2: are you doing a week?
Speaker 3: A lot? I get to the office early, so me
Speaker 3: and my husband kind of have different shifts. We call
Speaker 3: it looking after my daughter. So I get to go
Speaker 3: into work I would say early, So I get into
Speaker 3: work at seven am. I then leave the office at
Speaker 3: four pm to be home by five pm to take
Speaker 3: over for my daughter. But then I, you know, continue
Speaker 3: working until I'm pretty much done. My husband normally gets
Speaker 3: home around seven pm, and that's when I kind of
Speaker 3: switch off. So unless I'm negotiating a deal and you know,
Speaker 3: it's really something needs to be done, nothing will get
Speaker 3: as until the next day. That's kind of where I
Speaker 3: cut it. And for me, I work Monday to Saturday,
Speaker 3: being Saturday being open homes and Sunday is my family day.
Speaker 3: You will not catch me no matter who you are
Speaker 3: on a Sunday.
Speaker 2: Yeah. I love that, and I think it provides really
Speaker 2: good context because to earn the salary that you earn
Speaker 2: requires significant sacrifice in different areas of life, and I
Speaker 2: really wanted to draw that out instead of being like, yeah,
Speaker 2: oh my gosh, there's taol any one and earns so
Speaker 2: much money moving on. I just think that we need
Speaker 2: to give that chunky amount of context because I can't
Speaker 2: tell you one person that I know at this point
Speaker 2: in time that's not already a sales agent that would
Speaker 2: be able to cut it in that area, Like I
Speaker 2: would go insane. I would be burnt out in point
Speaker 2: two seconds. So it's just it's nice to have a
Speaker 2: bit more context, my friend. So we know what you
Speaker 2: do for work, we know how much money you earn,
Speaker 2: but like, what are you working towards at the moment?
Speaker 2: What are your big financial goals?
Speaker 3: So I've kind of got two. One is like the
Speaker 3: dream home in terms of just that big, beautiful home
Speaker 3: that people drive up to and go, Wow, she's really rich.
Speaker 2: Oh you want a big, really rich house. Yeah, Like
Speaker 2: all right, can I come over? Are you're going to
Speaker 2: have like a big, really rich pool with a big,
Speaker 2: really rich spark?
Speaker 3: Definitely? Like that's just something where and it sounds so materialistic,
Speaker 3: but I just want to show how much, you know,
Speaker 3: I work so hard. I want something to show. So
Speaker 3: that's one thing, like the massive, big house. And other
Speaker 3: thing is just buying more investment properties and just setting
Speaker 3: myself up because that's how I typically invest my money.
Speaker 2: Have you thought about where that? I guess I want
Speaker 2: to call it showiness because it's the easiest word to use.
Speaker 2: Their Have you thought about where that's coming from or like,
Speaker 2: why that's so important to you? Do you think it
Speaker 2: comes from the way you grew up and like you know,
Speaker 2: obviously living in essentially a reconfigured garage with your you know,
Speaker 2: siblings and your mum. Like, is this something that you go, No,
Speaker 2: it's not actually just to show other people. It's so
Speaker 2: that when I drive up to it, I go, I
Speaker 2: did this.
Speaker 3: Yeah, it's kind of approves. You know. I had a
Speaker 3: lot of people doubting me going into real estate and
Speaker 3: doubting kind of the choice I made, that I won't
Speaker 3: be able to succeed, and I had that, you know,
Speaker 3: throughout a lot of my life. So I think for me,
Speaker 3: that is going, wow, I did make it, and to
Speaker 3: prove everyone wrong pretty much and to prove to myself
Speaker 3: that it was the right choice.
Speaker 2: I love it because I feel like you're also investing
Speaker 2: on the flip side, so it's not just putting money
Speaker 2: into a house to look really important. But let's talk
Speaker 2: about that. I have so many questions. Let's go to
Speaker 2: a really quick break and on the flip side, I'm
Speaker 2: going to break all of that down. All right, money diarist,
Speaker 2: we are back you mentioned in your intro email that
Speaker 2: you own three properties. The next question for you is
Speaker 2: do you have any investments? If so, what are they?
Speaker 2: Please start listing them off.
Speaker 3: I do. So I have two investment properties. I wrote
Speaker 3: them all down this morning. Side have them all? Do
Speaker 3: you also want to know, like how much I own?
Speaker 3: How much they were?
Speaker 2: Of course I do perfect.
Speaker 3: So I've got two investment properties. One investment property was
Speaker 3: my first one I bought. I bought that on my
Speaker 3: own when I was eighteen.
Speaker 2: The secret property, the secret property.
Speaker 3: So I currently owned that one two hundred and fifty
Speaker 3: eight thousand dollars and it's worth about four hundred and
Speaker 3: fifty thousand dollars.
Speaker 2: That's very nice. Got some equity there. And then did
Speaker 2: you use your equity to go into the second one?
Speaker 2: I didn't actually, so, oh it must be nice.
Speaker 3: I had somehow. I convinced my boyfriend, so my husband
Speaker 3: now after knowing each other for four months, to buy
Speaker 3: a property with me, which is a property we moved into,
Speaker 3: which is now investment property. And I convinced him to
Speaker 3: put in fifty thousand and meet to be only put
Speaker 3: in thirty thousand dollars for this property.
Speaker 2: I wonder who wears the pants in that relationship. Yeah,
Speaker 2: interesting question to address at a later date.
Speaker 3: Yeah, I don't know how that I've the highest song
Speaker 3: of that, but I did. And then we bought this
Speaker 3: second property that I only bought out together, and that
Speaker 3: one currently has a loan of three hundred and sixty
Speaker 3: eight thousand and it's worth about six hundred thousand.
Speaker 2: Oh, very very nice. Yeah, Now, is there a lot
Speaker 2: of strategy going into picking these properties? Obviously when you
Speaker 2: were eighteen, you had absolutely no real estate knowledge. How
Speaker 2: did you know that that was a property you wanted
Speaker 2: to buy or would be, you know, a good asset,
Speaker 2: Because if you're telling me that you purchased a property
Speaker 2: it's worth four fifty and you only have like a
Speaker 2: two hundred and fifty eight thousand dollar alone on it,
Speaker 2: like we would all say, that's a pretty good position
Speaker 2: to be in. How do you know how to pick
Speaker 2: the right one?
Speaker 3: To be honest with that one? I was probably just lucky.
Speaker 3: I bought that in twenty twenty when the prices hadn't skyrocketed.
Speaker 3: I bought it in an area where I could afford, Like,
Speaker 3: I bought it for three hundred thousand, and I bought
Speaker 3: it because I was working near there at the time,
Speaker 3: but I actually didn't live in it. I ended up moving,
Speaker 3: so I didn't even end up living in that one.
Speaker 3: But yeah, that one was purely just down to I
Speaker 3: liked the area. It was the only really thing I
Speaker 3: could afford, and for me, I just knew, you can't
Speaker 3: have the dream house straight away. I'm going to pick something,
Speaker 3: you know, not the greatest. Go from there.
Speaker 2: Great. So now you've got the second property with your
Speaker 2: now husband, it's worth six hundred grand. What is the
Speaker 2: third property? Tell us about that one.
Speaker 3: The third property is the one we currently live in.
Speaker 3: So that's the definitely the bigger one where the interest
Speaker 3: rates hurts. So that one we only bought last year.
Speaker 3: We did use the equity from the second property we purchased,
Speaker 3: and that one currently has a loan of nine hundred
Speaker 3: and seventy seven thousands. We borrowed the full loan. We
Speaker 3: didn't put any cash into it, and the property is
Speaker 3: currently worth about one point one Oh.
Speaker 2: Very nice. So you're sitting on what five hundred and
Speaker 2: fifty ish maybe six hundred thousand dollars worth of equity
Speaker 2: at twenty one Yeah, roughly must be nice must be
Speaker 2: nice unrelatable. So at twenty one I was probably drunk
Speaker 2: in a bar on Brunswick Street with like ten dollars
Speaker 2: maximum in my pocket, and then the year later I
Speaker 2: got a forty five thousand dollar personal loan, so like,
Speaker 2: we could not be more different, but I love this.
Speaker 3: For you slightly different, yeap.
Speaker 2: Do you have any other investments or is it just property?
Speaker 3: I do?
Speaker 2: So of course she does, guys, of course she does.
Speaker 3: I've got about fifty thousand dollars in shares.
Speaker 2: Yeah, of course you do. I'm genuinely so impressed.
Speaker 3: I don't really know much about the shares. My husband
Speaker 3: wanted to do something because I was more the property person.
Speaker 3: Have they gone well, probably not that much. I looked
Speaker 3: at this morning and I texted him and I said, hey,
Speaker 3: I've gone down. What is this?
Speaker 2: Hey, I'm going to be on this podcast and I
Speaker 2: wanted to ask some questions. And now I'm a bit
Speaker 2: like what.
Speaker 3: Yeah, I'm like okay, like and you snow just waited.
Speaker 3: I was like, yeah, yeah, shared, you waited out yep,
Speaker 3: got it. And then just my super as well. So
Speaker 3: my super I don't really pay attention to it much
Speaker 3: because I'm a contractor now, which is really bad.
Speaker 2: I was about to say, are you paying yourself super
Speaker 2: at this point in time?
Speaker 3: No, but that's because I currently have forty five thousand.
Speaker 2: I don't care if you've got forty five thousand. I'm
Speaker 2: looking at all your other assets. I know you can
Speaker 2: afford I know.
Speaker 3: I yeah, yes, I can't. I just haven't. I haven't
Speaker 3: gotten it sorted yet in terms of I have only
Speaker 3: become a contractor within the last under This is my
Speaker 3: first financial as a contractor, and I actually haven't even
Speaker 3: paid myself yet technically, so I'm still it's in the background.
Speaker 3: We'll work it out.
Speaker 2: All right, all right, I'll allow that. Tell me, what
Speaker 2: does your husband do. He's a lawyer, of course he is.
Speaker 2: You married a lawyer, you smart woman.
Speaker 3: I know you go to pick him. You know he's
Speaker 3: a tax lawyer, so no suspensis, of course he is.
Speaker 2: All right. I feel like we have so much to
Speaker 2: learn from you. Obviously, I want to ask about debt next,
Speaker 2: but we've actually just gone through all of your mortgages,
Speaker 2: so we won't repeat them. But do you have any
Speaker 2: other forms of debt?
Speaker 3: The only other debt I have is my hex so
Speaker 3: I paid off most of it before indexation. So I've
Speaker 3: only got about three thousand dollars.
Speaker 2: Left, okay, And what's your plan for that three grand?
Speaker 2: Is it just going to tick away? Is it going
Speaker 2: to get smashed down?
Speaker 3: Like?
Speaker 2: What are we doing?
Speaker 3: It will have to be paid off in this financial Yeah,
Speaker 3: just du to my earnings.
Speaker 2: It's going to be so easy, very very nice. I
Speaker 2: hope people aren't like comparing themselves and being like twenty
Speaker 2: one in absolutely screw you know what, She's the outlier,
Speaker 2: She's the weird one. It's not us.
Speaker 3: I'm the psycho, not everyone else.
Speaker 2: But tell me what are your best money habits? Like
Speaker 2: I want more than one from you because I just
Speaker 2: feel like you are a wealth of knowledge.
Speaker 3: So my big one is not living above your means.
Speaker 3: So I obviously earn a decent amount of income, and
Speaker 3: especially in real estate, a lot of people blow a
Speaker 3: lot of money.
Speaker 2: Yeah, what car do you drive?
Speaker 3: I do drive an Audi Q three.
Speaker 2: Yeah, you're like, I live above my means. I'm gonna
Speaker 2: ask about her car. Now. I know what you do.
Speaker 2: If you're in real estate, it's not a push.
Speaker 3: Like, it's not it's not a rolls roy you know,
Speaker 3: it's it's a nice car.
Speaker 2: I mean, it's still an Oudiq three. That's a very
Speaker 2: very nice car.
Speaker 3: It is a nice car, and I didn't get on a loan,
Speaker 3: so I was very good about that. But just in
Speaker 3: terms of like we we don't go out to nice,
Speaker 3: fancy dinners. My kind of nice thing to go out
Speaker 3: to is like a nice like a breakfast, So yeah,
Speaker 3: we don't go and spend I don't buy designer items.
Speaker 3: I don't buy you know, really nice shoes and really
Speaker 3: nice clothes like it. I don't spend a lot of
Speaker 3: money in that materialistic kind of way. As per se.
Speaker 3: I always do things in terms of like an investment.
Speaker 3: So my car, it was like, Okay, when I turn
Speaker 3: up to clients' houses, how do I want them to
Speaker 3: perceive me?
Speaker 2: You know what? I think it's important, And at the
Speaker 2: end of the day, I do laugh because, as I
Speaker 2: said before, I have a number of friends in real estate.
Speaker 2: I literally have a property podcast, so I've made heaps
Speaker 2: more friends in real estate and they all have beautiful cars.
Speaker 2: But one thing that I thought was really funny about
Speaker 2: that is that you do actually park in front of
Speaker 2: their house, and inherently clients are going to look at
Speaker 2: you and go, oh, you're young already, you're female already.
Speaker 2: That's genuinely going to put you on the back foot, yep.
Speaker 2: But by turning up in a nice car, they go, well,
Speaker 2: she can't be doing that bad, Like she must be
Speaker 2: pretty good at her job and it should not be
Speaker 2: like that, but it is, but it is.
Speaker 1: It is.
Speaker 3: People always ask they go and wears your car, and
Speaker 3: like I was just embarrassed because had the high on
Speaker 3: DI I thirty and I was like, oh, you know,
Speaker 3: I'd park down the street. I wouldn't even park in
Speaker 3: front of the.
Speaker 2: House, and like, that's not an embarrassing car. But you
Speaker 2: in real estate, often when someone is selling a high
Speaker 2: value item like their house, yes, they want proof that
Speaker 2: you have money as well, so that you're making you're
Speaker 2: a good financial decision to them. It's very strange. It
Speaker 2: was the same in the wealth space. Like, thankfully I
Speaker 2: didn't often drive out to clients' houses because as a
Speaker 2: financial advisor, most of them would actually come to me.
Speaker 2: But it was one of those things that like, even
Speaker 2: when I did drive to clients meetings, I'd be like, oh,
Speaker 2: I have this two thousand and six that all are
Speaker 2: old car which I adore, and we're gonna have to
Speaker 2: get rid of soon because turns out a two door
Speaker 2: two thousand and six car is not going to work
Speaker 2: for a new board. That's a story for another day.
Speaker 2: But genuinely, every time I would turn up, I'd be like, Ah,
Speaker 2: these clients are worth millions and I'm turning up in
Speaker 2: a car worth probably max three grand? Like what's that
Speaker 2: going to look like? And isn't it weird that we
Speaker 2: have to have these conversations with ourselves.
Speaker 3: It's a perception, but it as well. It made me
Speaker 3: more confident too, turning up in the nicer car, Like
Speaker 3: it is all about perception.
Speaker 2: I couldn't agree more, even though I don't like that
Speaker 2: that's the case. Yes, so you're not living beyond your means,
Speaker 2: but you do to have a nice car. What other
Speaker 2: brilliant money tips and tricks have you got for us?
Speaker 3: I buy a lot of things online and so I
Speaker 3: always wait for sale. I will never buy anything full price.
Speaker 3: You will never see me buy anything full price, even
Speaker 3: like Wooly's shopping, I go on to like that. I
Speaker 3: do it all online. So I go into like the
Speaker 3: special section and they've got the half price section. And
Speaker 3: I'll shop that first shop, build my recipes around whatever
Speaker 3: was half price. Do you put a pay full price
Speaker 3: for groceries?
Speaker 2: Why pay full price when you don't have to?
Speaker 3: Exactly, not at all.
Speaker 2: It's how you stay rich.
Speaker 3: Literally, it's you know people, and I always get made
Speaker 3: fun of is, Oh, why don't you spend so much money?
Speaker 3: Why I need it? Well, if I keep spending it all,
Speaker 3: I'm not gonna have the money.
Speaker 2: I'm sorry. I'm financially confident and comfortable, thank you sir.
Speaker 3: Yes, but that's really my main things. It's just, yeah,
Speaker 3: not doing silly spends like I enjoy myself sometimes and
Speaker 3: my husband definitely balances me out, thank goodness. Otherwise I'd
Speaker 3: probably still be eating you know, like past every night
Speaker 3: with sausages because I didn't even couldn't afford mints at
Speaker 3: the time either. But every now and again we might
Speaker 3: buy a steak or salmon. So it's you know, really
Speaker 3: living it up in the world.
Speaker 2: That's a bit fancy. I like it. Now, let's bring
Speaker 2: it down a little bit. What's your worst money habit?
Speaker 3: Just kind of contradictionyok, to what I said, But my
Speaker 3: worst money habit is I get a lot of anxiety
Speaker 3: spending money in terms of if we went out to
Speaker 3: a nice dinner, I can't look at the bill, I
Speaker 3: can't look at the menu with prices because it makes
Speaker 3: me so anxious spending that money. So it came to
Speaker 3: a point where like we wouldn't go out and we
Speaker 3: would have not arguments because we don't argue, but you know,
Speaker 3: big discussions about it. Because my husband came from, you know,
Speaker 3: a very well off family where they worked really hard
Speaker 3: and they did things to have fun and show for that.
Speaker 3: So yeah, that's my big kind of yeah, worst money
Speaker 3: habit is. I've got major anxiety to the point where
Speaker 3: I can't buy myself a coffee every day, cannot the
Speaker 3: mentality behind it, cannot spend the five dollars to my coffee.
Speaker 2: Where is that coming from? I feel like I know
Speaker 2: where that's coming from, But do you know where?
Speaker 3: It's definitely coming from? My childhood and not having a
Speaker 3: lot of money. And that's I yes, I fear in
Speaker 3: the back of my mind in terms of what if
Speaker 3: that happens. You know, what if my commission based job
Speaker 3: I stopped selling? What if I run out of money?
Speaker 3: You know, that's it's such a big I guess fear
Speaker 3: in my mind where it's not a reality. It's probably
Speaker 3: not going to happen, but it could. And that's kind
Speaker 3: of where that anxiety definitely can can see. That is.
Speaker 2: And do you have I guess have you sat down
Speaker 2: and been like, Okay, well I'm a bit anxious about money.
Speaker 2: I have a really good emergency fund and build those
Speaker 2: things up. Is that something that you know obviously because
Speaker 2: we're a bit more anxious, Are those things maybe healthier
Speaker 2: than the average bears?
Speaker 3: Yes, it would definitely be healthier than the average person.
Speaker 3: And yet I kind of just combat it by, you know,
Speaker 3: letting my although we have complete joint finance, it's letting
Speaker 3: him pay for dinner because in my mind it's not
Speaker 3: coming from me. I'm not seeing the bill and things
Speaker 3: like that, because I still do want to enjoy in it.
Speaker 3: I do think it's become easier now having my daughter,
Speaker 3: because then I'm like, oh, I'm doing it for her,
Speaker 3: so it's not for me. We're going to this place
Speaker 3: for her.
Speaker 2: Yeah, okay, all right, Still something that I think you
Speaker 2: probably should work on, Yes, because that would be helpful.
Speaker 2: I can tell it brings a lot of anxiety, and
Speaker 2: I think it's actually a really good I guess insight
Speaker 2: as well that just because you earn heaps of money
Speaker 2: doesn't automatically mean that you're super happy, super free, super
Speaker 2: you know, confident with money. It just means that maybe
Speaker 2: you have more to worry about because you've obviously bitten
Speaker 2: off a lot. Like, at the end of the day,
Speaker 2: is it unreasonable? No, Like with that type of income,
Speaker 2: with those projections, having three properties makes a lot of sense.
Speaker 2: But you do sometimes lay awake at night thinking about,
Speaker 2: oh my gosh, think about I mean more than a
Speaker 2: million dollars worth of debt, Like this is crazy, and
Speaker 2: I do the same thing, and you've kind of got
Speaker 2: to normalize it. Me like, well, actually, at the end
Speaker 2: of the day, we're never going to be in the
Speaker 2: position that like you were in when you were growing up. Like,
Speaker 2: it's just not the reality of the circumstance.
Speaker 3: It's never going to be.
Speaker 2: You can't tell yourself that at three am, can you.
Speaker 3: No, it's not going to let me go to sleep.
Speaker 2: No, exactly. All right, Well, at the start of this episode,
Speaker 2: you told us that your money habits were in a
Speaker 2: mis and far out yep, Okay, Like, I'm not going
Speaker 2: to disagree with you, but what would it take to
Speaker 2: get to that?
Speaker 3: A plus for me, I would like to learn a
Speaker 3: little bit more about investing in other avenues, so whether
Speaker 3: that's in businesses or the share market, or a little
Speaker 3: bit more about that rather than putting all my eggs
Speaker 3: in property because that's what I'm comfortable with and that's
Speaker 3: what I know, and kind of getting over that anxiety
Speaker 3: spending and just having a little bit more per se
Speaker 3: fun in terms of I work really really hard and
Speaker 3: I can't just you know, work to live. I do
Speaker 3: have to just live a little as well.
Speaker 2: Yeah, I love that. I genuinely love that, and I
Speaker 2: think it's so important. And you've got so much time
Speaker 2: to make that happen as well.
Speaker 3: I do, Like you're still a baby. I've got a
Speaker 3: little bit of time to make sure that all kind
Speaker 3: of creases out by the time I'm ready to retire
Speaker 3: and live life a little bit more as well.
Speaker 2: Oh my gosh, what like tomorrow? Because like that that
Speaker 2: wouldn't surprise me.
Speaker 3: Honestly, I think I'm want to be the person who
Speaker 3: will never be able to retire. I'm just so afraid
Speaker 3: of that.
Speaker 2: Yeah, same, don't worry like if you said that you
Speaker 2: can't work anymore? But what is my purpose in life?
Speaker 3: What do I do every day?
Speaker 2: What do I do every day? Like I just gardening? No,
Speaker 2: I can't do gardening? What do you mean? So No,
Speaker 2: I completely understand that, but oh my gosh, sadly we
Speaker 2: have run out of time. Thank you so much for
Speaker 2: sharing that with us and being so open and so
Speaker 2: transparent and putting up with all of my I guess
Speaker 2: pervy questions from money to maternity, Like I just there
Speaker 2: was a lot there, and I'm really grateful for the insights.
Speaker 2: And I know that everyone listening to this is going
Speaker 2: to be equally as grateful.
Speaker 3: No, thank you so much.
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