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Speaker 1: 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: for millennials who want financial freedom. Welcome back to another

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Speaker 2: one of our Friday Durings episodes where our entire team

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Speaker 2: will merely our entire team get to celebrate the money

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Speaker 2: wins from our She's on the Money community because there

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Speaker 2: are always so many great ones in the community and

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Speaker 2: great stories, which we have a few off for you today.

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Speaker 2: But before we get into the juicy stuff, Tony, take

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Speaker 2: us through what happened on this week's Money Darry.

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Speaker 3: We spoke to a young woman who little content warning,

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Speaker 3: has been through and eating disorder and has come through

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Speaker 3: the other side and is now working with other people

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Speaker 3: that have experienced eating disorders and how she aims to

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Speaker 3: work in the space and make a difference to other

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Speaker 3: people and how that's impacted her financially. And it was

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Speaker 3: a really insightful one. But obviously, if that's something that

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Speaker 3: might not sit too well with you at the moment,

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Speaker 3: maybe give it a skip.

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Speaker 2: But it was a few other good ones.

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Speaker 3: Yeah, there's heaps in there, but it was a really

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Speaker 3: nice chat and she was just super informed in the

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Speaker 3: space that she works in which was so refreshing to

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Speaker 3: hear such like a informed story. It was a really

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Speaker 3: special one. So if you've got a spare half an hour,

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Speaker 3: make sure you give it a listen.

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Speaker 2: Yeah, and if you also have a spare half an

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Speaker 2: hour and a good money story, pop on over to

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Speaker 2: our website and feel in our money story submissions and

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Speaker 2: you might find yourself on the podcast Juicy. Speaking of Juicy,

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Speaker 2: Georgia King, what was that Wednesday's episode?

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Speaker 4: Yes, so this Wednesday we spoke about how to be

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Speaker 4: a savvy student. So that was for kids in high school,

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Speaker 4: kids in Uni tape fall at the places.

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Speaker 5: Excuse kids, you're also in.

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Speaker 4: The university, buddy, where kids were young, were hip.

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Speaker 2: I feel like you're probably one of those people that

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Speaker 2: was just a really good student, Like you were good

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Speaker 2: at money eating Ramen like, is that right?

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Speaker 4: I was extremely frugal and I did. I gave away

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Speaker 4: some of my tips on the episode. I think, what

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Speaker 4: do we have? We had student discounts, the importance of

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Speaker 4: establishing good money habits early rather than postponing and just

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Speaker 4: doing it when we have a hot income, the downfalls

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Speaker 4: of after pay as we so often talk about. But

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Speaker 4: I wanted to throw it to you guys, because me

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Speaker 4: and I spoke about our little frugal ways back.

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Speaker 2: In the day.

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Speaker 4: How did you guys save money when you're at UNI?

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Speaker 6: I lived at home, genius.

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Speaker 2: Yeah, it's not easy, the toppest.

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Speaker 3: Yeah, I wasn't paying rent.

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Speaker 6: I wish I still lived on now.

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Speaker 5: I think I shared this as a money when earlier

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Speaker 5: in the year, but I had a subject where we

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Speaker 5: one hundred percent had to purchase the textbook, and you

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Speaker 5: know how text war literally hundreds of dollars, So I

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Speaker 5: just googled the name of it PDF and printed it

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Speaker 5: off just six dollars. You're welcome, genius. Also pay academics

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Speaker 5: better there, smart people. Thank you for I watch three jobs.

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Speaker 4: So good girl.

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Speaker 2: So she wasn't frugal, she was just living her best life,

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Speaker 2: but also working all the time, is that right?

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Speaker 7: Yeah pretty much, but.

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Speaker 5: Also funding that best life.

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Speaker 2: So yeah, yeah, absolutely, Georgia. I do have a question

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Speaker 2: for you, though, talk to me because I feel like

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Speaker 2: you might should been known in your friend circles as

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Speaker 2: being a little bit frugal, Is that right?

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Speaker 4: Are you bringing this up because maybe Devo told you that.

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Speaker 2: Nah, I don't know what was the most frugal thing

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Speaker 2: you ever did during UNI.

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Speaker 4: I remember, instead of like buying lunch with my friends once,

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Speaker 4: I just I pretended I wasn't hungry and just ate

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Speaker 4: some some dried mango I found in my bag.

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Speaker 7: That is such a poor story, I know.

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Speaker 2: Wow, I feel like that's relatable though, if you don't

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Speaker 2: have money, but like you were such a good savor

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Speaker 2: that I know you probably could have afforded.

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Speaker 4: Lut Here's the deal when I I didn't have a

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Speaker 4: job in high school because I did sport forty eight

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Speaker 4: times a week, not a joke. So I came to

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Speaker 4: part time work after school. We can cut this if

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Speaker 4: it's boring.

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Speaker 2: But I didn't know leaving it, leave the content.

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Speaker 4: I didn't know that people didn't save all of their money,

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Speaker 4: so I thought I was like behind. So I was

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Speaker 4: really frugal because I was like I got to catch

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Speaker 4: up didn't have a job in high school. Then I

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Speaker 4: realized I was filthy rich.

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Speaker 2: I That is not where I thought that was going from.

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Speaker 2: Someone who was eating dried mango from the bottom of

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Speaker 2: her I could have been eating caveato. Well on that note,

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Speaker 2: Georgia King, let's witch on over back to Jessicci and

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Speaker 2: ask you what we're drinking today.

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Speaker 8: Well, we did a little fridge clear out because we

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Speaker 8: had some goodnds rolling around. So I'm personally drinking the

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Speaker 8: thing that nobody else wanted to drink except me, which

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Speaker 8: is a nice little mess Moscado that came from.

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Speaker 5: People listening going, oh, that's so strange that no one

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Speaker 5: else wanted to drink that.

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Speaker 8: Everyone's just ripping into my drink choices. If you follow

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Speaker 8: Victoria on Instagram, you know I got absolutely reamed on

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Speaker 8: my birthday, mind you for my beverage of choice, which

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Speaker 8: is a Vodkas sun Rice who purchased that for you? Yeah,

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Speaker 8: it was very kind. It didn't come without a cost, though,

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Speaker 8: everywhere I am reaming you because I paid for it.

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Speaker 5: I would say that's better than Muscado in a can.

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Speaker 7: It's fair, That's totally fair.

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Speaker 6: I disagree.

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Speaker 8: The rest of the team, though, sipping on a little

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Speaker 8: Matso's ginger.

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Speaker 2: Beer again because it is great.

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Speaker 5: Yeah.

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Speaker 8: I was gonna say, we're a big fan of the Matsos.

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Speaker 7: Aren't we.

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Speaker 5: West of Astray is finest.

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Speaker 2: It is indeed not bad, good size. All right, Ryan,

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Speaker 2: take it away. What have we got from the community

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Speaker 2: this week.

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Speaker 5: Today we have the greatest Facebook marketplace win of the year.

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Speaker 5: Is that a big?

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Speaker 3: It's not from big, and it's July, so six months worth.

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Speaker 5: Of no one's going to be place wins.

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Speaker 2: We'll get to that manifesting. Probably not.

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Speaker 5: They didn't use the word, but I mean just will

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Speaker 5: try and claim it. Let's start though with Annie and

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Speaker 5: I think there's going to be a few of these

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Speaker 5: over the next few weeks. I did my tax last week,

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Speaker 5: kind of forgot I submitted it. Found eight thousand extra

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Speaker 5: dollars floating around in my accounts.

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Speaker 2: This hell, how do you find eight grand of extra

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Speaker 2: dollars that you just didn't anticipate coming back?

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Speaker 5: Well, I don't know if maybe Annie got a new job,

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Speaker 5: or she's probably rich.

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Speaker 3: Maybe Annie wants to share her accountants details.

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Speaker 5: Yeah's doing a great job.

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Speaker 2: You Okay, we are slow.

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Speaker 5: Bianca is doing no Spend July and she said, I

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Speaker 5: normally say five hundred dollars a fortnight, which is pretty

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Speaker 5: good as is, But she said, I've surprised myself in

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Speaker 5: the first two weeks of no Spend July and extra

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Speaker 5: one two hundred and fifty dollars.

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Speaker 2: I've been able to say, I really want to see

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Speaker 2: the breakdown, Like what were you spending that on before?

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Speaker 5: She said she's only paying bills and like the absolute

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Speaker 5: legal necessities and.

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Speaker 2: Probably eating mango from the bottom of a handbag. George,

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Speaker 2: that's a hot t do it if you got to?

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Speaker 5: Yeah, I mean I think feel like bank is doing it. Now.

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Speaker 5: This is Keatrel. We recently had our second baby and

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Speaker 5: we've started to you know, prepare the house for you know,

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Speaker 5: a family rather than you know, just that one little

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Speaker 5: baby and a couple. So they bought a big dining

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Speaker 5: table for the house. My fiance tried to put our

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Speaker 5: old tiny table to the curb side. However, we've been

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Speaker 5: on the hunt for a coffee table and I thought,

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Speaker 5: hang on a second. I've chopped the legs off to

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Speaker 5: make the small dining table a mini coffee table, sanded

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Speaker 5: it back brand new furniture for zero dollars spend. Now,

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Speaker 5: this is Heidi. I'm going to put this out there.

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Speaker 5: This may be one of the more wholesome money.

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Speaker 8: Wins we've had.

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Speaker 5: We've been teaching my eight year old son about the

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Speaker 5: value of money, and that's like a really hard thing

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Speaker 5: because you know, kids don't understand. I remember the atm

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Speaker 5: I'm like, Mum, you just go to the machine and

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Speaker 5: it just gives.

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Speaker 8: It to you, right, like I get mean ageer, and

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Speaker 8: I still didn't understand.

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Speaker 3: I used to think that when you got change at

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Speaker 3: a shop, it was them giving you the money that

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Speaker 3: you didn't have, so like yeah, so like if something

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Speaker 3: was two dollars and you had one dollar, they went, oh,

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Speaker 3: here's the dollar you need.

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Speaker 6: Like that's what That's what I thought change was.

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Speaker 3: And I remember explaining it to my mum and she

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Speaker 3: was like, all right, you ask him. And I remember

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Speaker 3: walking up with his headband and being like, I've got

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Speaker 3: one dollar.

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Speaker 6: This headband's two dollars. Can you give me the change?

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Speaker 3: And they were like, no, babe, where is your mother?

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Speaker 5: How old were you when this happens?

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Speaker 6: Would have been like four or five?

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Speaker 5: Like little fourteen?

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Speaker 4: No?

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Speaker 5: All right, So Heidi said, we've given our eight year

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Speaker 5: old son the job of adding up the groceries at

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Speaker 5: the supermarket as we go. It kind of like counts

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Speaker 5: a running tally of the price.

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Speaker 6: Is he a genius?

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Speaker 5: There's probably.

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Speaker 2: He just like walks around with his little calculator.

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Speaker 5: He did any taxes, So every week we have a

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Speaker 5: budget of two hundred dollars, but since we've been adding

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Speaker 5: it up, it just means when we're in the supermarket,

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Speaker 5: we're paying a bit more attention to it, so we're

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Speaker 5: less likely to end up going, oh yeah, just chuck

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Speaker 5: it in, it's fine. We're actually saving fifty dollars a

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Speaker 5: week wow, because we're being more conscious with our spending

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Speaker 5: and we're teaching our sun the value of money in them.

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Speaker 2: Money tip here, get an eight year old to do

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Speaker 2: your taxes and grocery shopping.

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Speaker 5: Well done, Brook says, money loss. My yoga studio that

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Speaker 5: I visit two to three times a week is in

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Speaker 5: lockdown because of Sydney. However, they're still taking seventy dollars

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Speaker 5: per fortnite with the direct debits still going through.

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Speaker 7: They can't do that. They definitely can't do that.

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Speaker 5: Well Brook says, I'm now broke and chubby, but I

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Speaker 5: feel you, Babe.

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Speaker 8: Brook, send them an email and see if they'll debit

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Speaker 8: what you have already paid for future months, because there's

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Speaker 8: no way they can charge you for a service that

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Speaker 8: they physically cannot provide you. So I would definitely send

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Speaker 8: them an email, and anyone else who's done this thing.

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Speaker 8: A lot of businesses have late when Melbourne went through lockdown,

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Speaker 8: froze your payments and if they haven't done that, you

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Speaker 8: are definitely entitled to email them and see if they will.

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Speaker 5: Absolutely thank you for that.

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Speaker 2: Karen, I mean, Jessica so rude.

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Speaker 5: Steph said, and a big congratulations to Steph. I paid

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Speaker 5: off my hex step this year. However, I didn't realize,

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Speaker 5: said Steph, that my employer was continuing to take out

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Speaker 5: money for my HEX because you know how it comes

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Speaker 5: out with you pay and stuff like that. Because of this,

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Speaker 5: my tax return was obviously healthy. Just got a refund

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Speaker 5: of fifteen thousand and it's going straight to shares and

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Speaker 5: ETF's money.

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Speaker 2: That's very good learning for everybody who's maybe coming up

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Speaker 2: to their HEX being fully paid off. That those little

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Speaker 2: things add up. And as we say in the community,

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Speaker 2: and as Paul Kenley says, from little things, big things

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Speaker 2: do grow.

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Speaker 7: Don't even try it didn't.

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Speaker 2: How speaking, have you just got a cheese on the

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Speaker 2: money sound board in front of you all the.

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Speaker 5: Time just in case it'll all make sense in about

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Speaker 5: fourteen seconds, right, But yeah.

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Speaker 2: Money win to potentially reallocate those funds as soon as possible,

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Speaker 2: so they don't just get absorbed into your every day.

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Speaker 8: Spending and you wouldn't even notice it, like if you

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Speaker 8: didn't ye, all.

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Speaker 5: Right, Allison said, I invested for the first time with

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Speaker 5: Spaceship in the Earth portfolio and feeling really good about myself.

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Speaker 5: I deposited one hundred dollars and I'm just adding fifty

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Speaker 5: dollars per week. I know it's small, but oh that's fits.

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Speaker 5: She also made fifty cents in growth this week. Yes,

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Speaker 5: all right, the final one, Lauren, and I'm going out

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Speaker 5: in the limb and saying the Facebook marketplace money win

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Speaker 5: of the year.

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Speaker 2: All right, let's hear it.

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Speaker 5: Actually, First of all, Victoria, how would you describe a

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Speaker 5: car as an asset? Does it appreciate in value as

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Speaker 5: the client?

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Speaker 2: Where a car is appreciating asset? In my Actually, I

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Speaker 2: feel like I'm being taken for a.

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Speaker 8: Ride in the current clibe in the car right.

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Speaker 2: Now, and that you're going to give us a money

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Speaker 2: win about someone making money on a car, because the

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Speaker 2: current secondhand car market is wild and people are making

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Speaker 2: a lot of money on cars that last year were worthless.

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Speaker 5: Why why?

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Speaker 2: Because of demand? So new cars at the moment are

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Speaker 2: really hunt cars. Why so if you're purchasing a new

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Speaker 2: car because of like Freighton, you know, getting it around

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Speaker 2: the world, because obviously there aren't that many cars. I

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Speaker 2: don't think there are any cars nowadays that are built

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Speaker 2: solely in Australia anymore, so they're all imported. And because

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Speaker 2: of this, there are massive weights, like I know people

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Speaker 2: who are waiting like six months for new cars, whereas

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Speaker 2: historically that hasn't been an issue. So obviously there's more

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Speaker 2: demand for secondhand cars, which drives their price up. So

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Speaker 2: that's my little inkling on what maybe Ryan's gonna tell

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Speaker 2: us about a money win.

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Speaker 5: So I'd note I sold my car last week, and

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Speaker 5: you're right, I did a lot better than I probably

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Speaker 5: should have money win. Anyway, Lauren says, I bought a

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Speaker 5: car five years ago for eleven thousand, five hundred on

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Speaker 5: gum Tree. Eleven five hundred dollars five years ago.

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Speaker 7: And as you say, what car, it is a long

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Speaker 7: time as well.

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Speaker 5: Five and like we were saying, cars depreciate, she was like, oh,

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Speaker 5: I just need to get rid of it. I'll chuck

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Speaker 5: it on Facebook Marketplace. Last week it's sold for twelve

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Speaker 5: thousand dollars, which is a profit of five hundred bucks

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Speaker 5: five years after the fact, and that is my gosh.

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Speaker 5: I didn't realize such high value transactions were going down

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Speaker 5: on marketplaces either.

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Speaker 8: I've seen people sell houses. I've never seen a house

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Speaker 8: people do it.

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Speaker 5: That's a lot.

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Speaker 2: My dad sold a car once on marketplace and I

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Speaker 2: was very happy with him.

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Speaker 5: Well done. Well, anyone wants to beat that. You've got

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Speaker 5: five months.

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Speaker 2: I want to know how much have you made on

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Speaker 2: your secondhand car. It's very niche content, but I feel

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Speaker 2: like it would be real pervy.

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Speaker 5: Well, like you said, the market's going hot, so there

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Speaker 5: might be a couple of special stories in there.

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Speaker 2: Crazy.

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Speaker 5: Should we do a thread though, of like secondhand car

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Speaker 5: wins or something like that.

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Speaker 2: In the ground wins. I want to see what people

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Speaker 2: have like flipped things for so like did you find

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Speaker 2: something at the op shop that you were like, oh,

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Speaker 2: this is actually like a Gorman piece. Because we've had

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Speaker 2: a few of those money wins in the community before,

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Speaker 2: but I want to hold thread of them, like when

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Speaker 2: have you found something that you knew was valuable you

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Speaker 2: bought for cheap and then flipped for expensive and then

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Speaker 2: flip for more money.

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Speaker 7: We'll pop it in a Facebook.

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Speaker 2: Is that cute that?

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Speaker 5: Yeah, let's do that. I'll share the best ones in

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Speaker 5: next week's Wins.

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Speaker 2: All right, we are back and Ryan and I have

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Speaker 2: an article that we want to discuss. It is called

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Speaker 2: Wages of Australia's Top Bosses Revealed and I ended up

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Speaker 2: going down an absolute rabbit hole with this one. I'll

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Speaker 2: get to that in a hot second. You guys better

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Speaker 2: be on the edges of your seats for this. But Ryan,

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Speaker 2: why did you think that this was an interesting piece

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Speaker 2: of content?

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Speaker 5: We have the twenty highest paid CEOs in Australia. Twenty.

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Speaker 5: Let's go around the room real quick. I know the answer.

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Speaker 2: How manycuss how much we get paid?

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Speaker 7: Because it's not even I'm not going to.

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Speaker 5: Compare to these guys.

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Speaker 7: It's going to make me sad.

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Speaker 5: How many women do we believe are in the top

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Speaker 5: twenty of this top paid CEOs in Australia.

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Speaker 7: Four?

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Speaker 5: Tony says four.

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Speaker 4: Georgia King, I'll stick to what I said earlier.

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Speaker 2: I said zero, Jessica, that's a mystic.

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Speaker 7: I hate my health for this answer, but I'm going

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Speaker 7: to say three.

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Speaker 5: The answer is one.

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Speaker 6: I was I was too excited. I thought it must be.

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Speaker 5: Rung one out of twenty fourth on the list. Shamara,

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Speaker 5: she's the CEO of Macquarie Group. Talk about bosses. Sixteen

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Speaker 5: point thirty nine million dollars is her salary annually.

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Speaker 2: That's not even then, that's not even the top. The

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Speaker 2: top paid CEO of an ASX two hundred listed company

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Speaker 2: is Paul Peroult from CSL, who makes her whopping forty

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Speaker 2: three zero four million dollars each and every single year.

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Speaker 2: But the kicker is I've obviously dolls and calculations.

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Speaker 7: Guys, are you ready?

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Speaker 5: That's not we just really confirm that is not network,

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Speaker 5: that is not oh, this is my business. That's that salary.

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Speaker 5: That's your case.

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Speaker 2: But I have taken that number, not assumed how many

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Speaker 2: days he works in CEO's probably busy, went through COVID,

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Speaker 2: probably hasn't taken the break. He's probably working three hundred

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Speaker 2: and sixty five days a year. If that is the case,

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Speaker 2: he has made a total of one hundred and seventeen

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Speaker 2: thousand dollars a day. That's a lot of I knew

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Speaker 2: that the rich.

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Speaker 8: People made a lot of money, but like I did

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Speaker 8: not comprehend that they make like that is more money

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Speaker 8: than I will potend like arguably earning my lifetime.

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Speaker 5: And they're making forty three million.

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Speaker 3: I'm pretty sure the average a person is like two

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Speaker 3: million dollars in your lime.

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Speaker 5: Yeah yeah, for one week.

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Speaker 2: So per day he makes one hundred and seventeen thousand

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Speaker 2: dollars like each and every single day. That doesn't even

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Speaker 2: include the days that he would work. We could cow

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Speaker 2: that as well.

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Speaker 5: So the median wage in Australia for all people is

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Speaker 5: fifty five and the average is eighty. So he's well

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Speaker 5: above that a day day and that's what people earn

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Speaker 5: a year.

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Speaker 6: That is shocking.

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Speaker 5: The only one that I knew. I don't like keep

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Speaker 5: up with who's the CEO of what? But the CEO

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Speaker 5: of Quantus. He's often in the news Alan Joyce, you know,

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Speaker 5: especially the COVID he pops up. He's number twelve on

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Speaker 5: the list, ten million dollars per year. And keep in

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Speaker 5: mind that's a lot of money, a lot of money

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Speaker 5: for it. Does Quantas still have flights like there's been

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Speaker 5: like airlines haven't been doing the best business ever? I

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Speaker 5: would have.

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Speaker 3: Assumed, No, he's normally a bit higher on that on

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Speaker 3: that list, and.

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Speaker 5: Plumped down to ten million per year. Let me get

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Speaker 5: my tiniest of violins.

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Speaker 2: I know awful. I also did some more calculating based

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Speaker 2: on Paul Peroult. I'm not trying to throw this guy

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Speaker 2: under a bus. He's clearly doing a good job, but

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Speaker 2: just the numbers in my head don't add up. And

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Speaker 2: so you know how before I did the three hundred

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Speaker 2: and sixty five days. Cool, well, we're not all working

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Speaker 2: for that. Hopefully he did take his four weeks of annually,

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Speaker 2: which means he probably worked forty eight weeks of the year.

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Speaker 2: Because fifty two weeks, four weeks he made eight hundred

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Speaker 2: and ninety five thousand dollars a week.

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Speaker 7: Oh, like it, that's too much money.

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Speaker 2: He's seventeen thousand dollars a day if it's every single

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Speaker 2: day of the year, like if you just divide it,

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Speaker 2: but like, if you work it out on what he's

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Speaker 2: actually working, that's nearly nine hundred thousand dollars a week.

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Speaker 2: I just look at it from my financial advice a hat,

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Speaker 2: because they are actually employed. It's not like they're getting

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Speaker 2: paid into a business. Like that money is not getting

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Speaker 2: paid into it. Like it just actually baffles me. It

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Speaker 2: imagine what his tax return looks like. Oh, imagine he

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Speaker 2: was just like dawdling down to his account and he's like, oh,

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Speaker 2: I've got to do my tax return. Here's my group certificate.

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Speaker 2: But what group certificate? But like that's the shocking thing

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Speaker 2: he would have gotten. Given a group certificate, he would

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Speaker 2: have been able to log into his ATO portal.

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Speaker 1: Like everybody I.

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Speaker 2: Didn't see that. He'd be like, oh, sorry, CSL, have

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Speaker 2: you told my group? So, yeah, it's not on the

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Speaker 2: ATO portal. Yeah, I gotta do my tax is. Like

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Speaker 2: that's legit.

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Speaker 6: Oh my god.

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Speaker 5: Maybe he'll be in next week's Money Wins. Hey, guys,

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Speaker 5: I just got my tax back four million. Yeah.

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Speaker 2: But coming back to something that is really important to me,

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Speaker 2: and that's obviously women in leadership and leadership positions. And

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Speaker 2: I'm so proud to see that there is a female

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Speaker 2: sitting at number four. Shamara is incredible, right, Like I've

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Speaker 2: followed her for a while, bit of a fangirl. She's

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Speaker 2: a CEO of McCrary Bank. She has been there for

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Speaker 2: I think thirty five years. She's just a vision right,

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Speaker 2: really smart obviously, but also a leader in her field.

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Speaker 2: And she made at number four sixteen point three nine

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Speaker 2: million dollars, which is obviously incredible but clearly significantly less

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Speaker 2: than others.

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Speaker 5: But that's that's fine.

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Speaker 6: She's still number four.

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Speaker 2: But the thing that I was interested in, because I

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Speaker 2: went down a little bit of a rabbit hole here,

437
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Speaker 2: is that she was actually not the highest paid person

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Speaker 2: at Macquarie for the twenty.

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Speaker 6: One as the CEO.

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Speaker 2: Yep, no, it was an executive called Nicocaine who took

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Speaker 2: home a total remuneration package of twenty six points three

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Speaker 2: million dollars.

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Speaker 7: What does he do.

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Speaker 2: He is the head of Commodities and Global Markets business

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Speaker 2: at maccrory Group, which is just a fancy name for

446
00:20:09,080 --> 00:20:11,760
Speaker 2: an executive. He does a lot. Obviously he gets paid

447
00:20:11,800 --> 00:20:13,760
Speaker 2: one very well. But I think the thing that really

448
00:20:13,800 --> 00:20:15,840
Speaker 2: annoyed me here is like, there's this really great news

449
00:20:15,880 --> 00:20:18,359
Speaker 2: story about a woman hitting number four on like the

450
00:20:18,440 --> 00:20:21,120
Speaker 2: highest paid CEO's list, and then you kind of look

451
00:20:21,160 --> 00:20:23,200
Speaker 2: a little bit deeper and you see she's not even

452
00:20:23,280 --> 00:20:26,520
Speaker 2: the highest paid person at her business. Yet she has

453
00:20:26,600 --> 00:20:29,760
Speaker 2: been there for the last thirty five years. Yeah, she's

454
00:20:29,920 --> 00:20:32,200
Speaker 2: you know, arguably really smart, gotten to the point where

455
00:20:32,240 --> 00:20:35,000
Speaker 2: she's the CEO, and yet she is still not the

456
00:20:35,080 --> 00:20:37,800
Speaker 2: highest paid person in the business, despite the fact that

457
00:20:37,880 --> 00:20:41,080
Speaker 2: every other CEO on that list is the highest paid

458
00:20:41,160 --> 00:20:42,720
Speaker 2: person in their business.

459
00:20:42,880 --> 00:20:43,800
Speaker 6: That's what I was going to ask.

460
00:20:43,920 --> 00:20:45,919
Speaker 3: Is it really naive of me to think that a

461
00:20:46,040 --> 00:20:48,960
Speaker 3: CEO is the highest paid person in a company?

462
00:20:49,200 --> 00:20:51,640
Speaker 2: No, it is absolutely not, And it's really driven by,

463
00:20:51,880 --> 00:20:54,320
Speaker 2: you know, the values of the business and what's going

464
00:20:54,359 --> 00:20:57,120
Speaker 2: on right. You know, Shamara has actually taken a little

465
00:20:57,119 --> 00:20:58,879
Speaker 2: bit of a hit because of COVID, and she's been

466
00:20:58,920 --> 00:21:01,240
Speaker 2: trying to make sure that the stays afloat, and she's

467
00:21:01,280 --> 00:21:03,840
Speaker 2: been attributed to have, you know, done a whole heap

468
00:21:03,880 --> 00:21:05,560
Speaker 2: of really great things from more Quarry and I won't

469
00:21:05,600 --> 00:21:08,440
Speaker 2: get too far into it, but she's done really impressive things.

470
00:21:08,480 --> 00:21:10,800
Speaker 2: It just kind of baffles me as a woman. I'm

471
00:21:10,800 --> 00:21:12,440
Speaker 2: not calling it out as like, oh my god, I

472
00:21:12,480 --> 00:21:14,240
Speaker 2: can't believe it. I'm just more like, hey, did you

473
00:21:14,280 --> 00:21:16,520
Speaker 2: know that if you start looking even further, as much

474
00:21:16,560 --> 00:21:18,800
Speaker 2: as it sounds really shiny and it sounds really great,

475
00:21:19,119 --> 00:21:22,000
Speaker 2: like to distill it down, there's one woman on this

476
00:21:22,119 --> 00:21:25,399
Speaker 2: list and she's incredible, but she's still not the highest

477
00:21:25,400 --> 00:21:27,800
Speaker 2: paid person in her business. Despite the fact that the

478
00:21:27,840 --> 00:21:29,600
Speaker 2: news are putting it up there and being like, oh,

479
00:21:29,640 --> 00:21:31,119
Speaker 2: this is such a great news story, and it's kind

480
00:21:31,119 --> 00:21:33,600
Speaker 2: of like, oh me, it's great, but also what's going

481
00:21:33,600 --> 00:21:34,159
Speaker 2: on guys?

482
00:21:34,480 --> 00:21:38,160
Speaker 5: Yeah, like it's so strange, like very strange. I get

483
00:21:38,160 --> 00:21:40,920
Speaker 5: how mathematically it works out, because his department might have

484
00:21:40,960 --> 00:21:43,640
Speaker 5: had bonuses or whatever, but just just like you're saying, Tony,

485
00:21:43,680 --> 00:21:46,560
Speaker 5: the concept that the top dog isn't the highest earner

486
00:21:46,680 --> 00:21:48,520
Speaker 5: just doesn't make sense.

487
00:21:48,760 --> 00:21:51,480
Speaker 8: Especially big clopro because like you kind of expect it

488
00:21:51,480 --> 00:21:53,479
Speaker 8: in small business because a lot of small biz owners,

489
00:21:53,680 --> 00:21:56,680
Speaker 8: you know, are taking the hit or you know, reallocating

490
00:21:56,760 --> 00:21:58,879
Speaker 8: those funds to keep their businesses afloat or maybe to

491
00:21:58,960 --> 00:22:01,720
Speaker 8: hire their first employee. But like in a big corporate

492
00:22:02,320 --> 00:22:04,640
Speaker 8: in the terms of the food chain, SEEO, like, yeah,

493
00:22:04,760 --> 00:22:05,160
Speaker 8: the toss.

494
00:22:05,240 --> 00:22:08,679
Speaker 5: So does this guy like, just purely hypothetically, if he

495
00:22:08,760 --> 00:22:11,280
Speaker 5: were to get you know, Shamara steps down after a

496
00:22:11,320 --> 00:22:13,960
Speaker 5: huge rain, he gets in Inverticom, has promoted to CEO

497
00:22:14,200 --> 00:22:15,200
Speaker 5: and then takes a pay cut.

498
00:22:15,240 --> 00:22:16,960
Speaker 8: There's no way he'd take a promotion in a pay

499
00:22:17,000 --> 00:22:21,000
Speaker 8: cut though five million dollars more than the CEO.

500
00:22:21,160 --> 00:22:23,040
Speaker 5: Would you rather not be the CEO, not have that

501
00:22:23,080 --> 00:22:24,880
Speaker 5: stress and just oh I guess I'll have to take

502
00:22:24,920 --> 00:22:27,040
Speaker 5: five million more maybe.

503
00:22:26,680 --> 00:22:29,640
Speaker 3: If I have to, Honey, When I know you said

504
00:22:29,680 --> 00:22:32,320
Speaker 3: before that Shamara has done her bit for COVID and

505
00:22:32,600 --> 00:22:34,520
Speaker 3: tried to help out the business and stuff. But have

506
00:22:34,600 --> 00:22:37,440
Speaker 3: any of these other CEOs do you reckon they've reached

507
00:22:37,440 --> 00:22:39,560
Speaker 3: into their pocket and gone, oh, to make sure that

508
00:22:39,600 --> 00:22:42,720
Speaker 3: everyone stays stays employed, I'll give him a little bit

509
00:22:42,760 --> 00:22:44,080
Speaker 3: of a crissy bonus or something.

510
00:22:44,160 --> 00:22:48,920
Speaker 2: I'd love a chrissy bonus to that extent anyway, So yes,

511
00:22:49,040 --> 00:22:52,000
Speaker 2: some of them have so, but more statistically, I haven't

512
00:22:52,040 --> 00:22:54,600
Speaker 2: looked into it when it comes to like individually, I'm

513
00:22:54,600 --> 00:22:56,720
Speaker 2: sure I could. It would be real pervy. Maybe I should.

514
00:22:56,760 --> 00:22:58,200
Speaker 2: Maybe that's what I get up to in my free

515
00:22:58,240 --> 00:23:02,160
Speaker 2: time this weekend. Anyway. The typical CEO bonus actually fell

516
00:23:02,280 --> 00:23:04,639
Speaker 2: a lot in twenty twenty, and it fell to a

517
00:23:04,680 --> 00:23:09,160
Speaker 2: record low of thirty one percent of the maximum, down

518
00:23:09,200 --> 00:23:12,280
Speaker 2: from sixty percent in twenty nineteen. So I would say

519
00:23:12,280 --> 00:23:16,560
Speaker 2: that it's halved, obviously, but I do think, yeah, it

520
00:23:16,680 --> 00:23:19,040
Speaker 2: kind of makes me feel a little bit icky when

521
00:23:19,200 --> 00:23:21,480
Speaker 2: we talk about these big numbers and how much it is,

522
00:23:21,520 --> 00:23:23,960
Speaker 2: and like, you know, I've calculated that this guy was

523
00:23:23,960 --> 00:23:27,880
Speaker 2: making one hundred and seventeen thousand dollars a day, but

524
00:23:27,920 --> 00:23:30,920
Speaker 2: there were probably people of his business struggling through COVID

525
00:23:31,119 --> 00:23:32,040
Speaker 2: that you know.

526
00:23:32,440 --> 00:23:34,160
Speaker 3: Or that were asked to take a ten percent pay

527
00:23:34,200 --> 00:23:36,760
Speaker 3: cut when ten percent of forty six million dollars is

528
00:23:36,760 --> 00:23:39,840
Speaker 3: actually a bit bigger of a chunk than forty percent

529
00:23:39,840 --> 00:23:42,120
Speaker 3: of your fifty grand a year for your low level limb.

530
00:23:42,320 --> 00:23:43,000
Speaker 5: Yeah, and do you.

531
00:23:42,920 --> 00:23:46,600
Speaker 8: Feel the same though, surely your spending habits, your spending

532
00:23:46,640 --> 00:23:48,360
Speaker 8: habits cannot match that.

533
00:23:48,520 --> 00:23:50,440
Speaker 5: Like, and you know what li lifestyle creepy.

534
00:23:52,240 --> 00:23:55,240
Speaker 2: Like as someone who works in wealth, Like, yes, absolutely,

535
00:23:55,359 --> 00:23:57,760
Speaker 2: Like we're not saying it's it's a bad thing, but

536
00:23:57,840 --> 00:24:00,480
Speaker 2: we are saying like, it doesn't you get to a

537
00:24:00,560 --> 00:24:02,800
Speaker 2: point of saturation I believe.

538
00:24:02,600 --> 00:24:04,240
Speaker 6: Which I can't spend any more money.

539
00:24:04,359 --> 00:24:07,159
Speaker 2: More money doesn't actually do all that much for you

540
00:24:07,359 --> 00:24:09,440
Speaker 2: in terms of lifestyle, And I'm sure it does when

541
00:24:09,480 --> 00:24:11,480
Speaker 2: it comes to assets and if you're like building big

542
00:24:11,520 --> 00:24:13,040
Speaker 2: construction businesses.

543
00:24:12,600 --> 00:24:13,159
Speaker 6: And stuff like.

544
00:24:13,280 --> 00:24:15,919
Speaker 2: Please don't get me wrong, there are definitely reasons to

545
00:24:16,040 --> 00:24:18,320
Speaker 2: have more, but yeah, you do reach a point of

546
00:24:18,359 --> 00:24:24,040
Speaker 2: saturation to have your peak lifestyle and still be everything else.

547
00:24:24,080 --> 00:24:26,080
Speaker 2: And to me, it just feels a bit ecky because

548
00:24:26,080 --> 00:24:29,119
Speaker 2: I had a number of conversations during COVID and after

549
00:24:29,200 --> 00:24:31,840
Speaker 2: COVID with people in our community because they were being

550
00:24:31,880 --> 00:24:35,080
Speaker 2: asked to take pay cuts during COVID and during lockdown

551
00:24:35,160 --> 00:24:37,480
Speaker 2: when they knew that their executives or the bosses of

552
00:24:37,520 --> 00:24:40,479
Speaker 2: the business weren't taking the same pay cuts, when in

553
00:24:40,520 --> 00:24:43,280
Speaker 2: reality those bosses were making so much more, So it

554
00:24:43,359 --> 00:24:45,520
Speaker 2: kind of made sense to reduce their pay by ten

555
00:24:45,560 --> 00:24:48,760
Speaker 2: percent knowing what was going on. And it just makes

556
00:24:48,800 --> 00:24:52,240
Speaker 2: me feel a little bit weird that we're talking about

557
00:24:52,280 --> 00:24:55,280
Speaker 2: such wealth during a time when people are going through

558
00:24:55,359 --> 00:24:59,760
Speaker 2: such significant disadvantage. Gives me the eck, Like it's just

559
00:25:00,119 --> 00:25:02,720
Speaker 2: something that I go, oh, well, like, you know, even

560
00:25:02,760 --> 00:25:05,800
Speaker 2: in Australia, like we are a first world country, we

561
00:25:05,880 --> 00:25:10,040
Speaker 2: still have such a difference between salaries and we see

562
00:25:10,200 --> 00:25:14,719
Speaker 2: such differentiation in wealth creation and just access and yeah, anyway,

563
00:25:14,760 --> 00:25:16,639
Speaker 2: I won't I won't around too long. We can go

564
00:25:16,680 --> 00:25:19,000
Speaker 2: on to like money wins and confessions, but it's something

565
00:25:19,000 --> 00:25:21,840
Speaker 2: that really frustrates me because I just know, what, did

566
00:25:21,880 --> 00:25:23,480
Speaker 2: you need forty three million dollars for?

567
00:25:23,680 --> 00:25:25,800
Speaker 3: Yeah, well, everybody else that you will work that was

568
00:25:25,840 --> 00:25:28,120
Speaker 3: working for you or with you was struggling most likely.

569
00:25:28,280 --> 00:25:30,639
Speaker 2: And I mean I'm making these comments having absolutely no

570
00:25:30,760 --> 00:25:33,120
Speaker 2: idea what they've donated or done or like, I don't

571
00:25:33,119 --> 00:25:35,840
Speaker 2: know them personally, but it's just I guess the figures

572
00:25:35,880 --> 00:25:38,920
Speaker 2: of it make me feel a little bit wicky. But yeah,

573
00:25:39,040 --> 00:25:42,359
Speaker 2: let's lighten the mood, my friends and talk about money,

574
00:25:42,359 --> 00:25:45,800
Speaker 2: wins and confessions. George King, you look under prepared. What

575
00:25:45,920 --> 00:25:46,520
Speaker 2: have you got?

576
00:25:46,960 --> 00:25:48,840
Speaker 4: I just took a swig of the old matsos.

577
00:25:49,240 --> 00:25:50,560
Speaker 5: Yeah, called her out mid skull.

578
00:25:52,200 --> 00:25:53,159
Speaker 7: Apologies everyone.

579
00:25:54,560 --> 00:25:56,879
Speaker 4: Okay, so I got I've got two i haven't been

580
00:25:56,920 --> 00:25:59,040
Speaker 4: on this in ages, so I've got a lot to shit. Okay,

581
00:25:59,080 --> 00:26:00,680
Speaker 4: we're ready, but we don't have much time, do we

582
00:26:00,920 --> 00:26:03,919
Speaker 4: gonna quickly faster? So yesterday I was doing some writing

583
00:26:03,920 --> 00:26:07,520
Speaker 4: at home for this is a weird Oh no, no, it's

584
00:26:07,560 --> 00:26:08,320
Speaker 4: not a confession.

585
00:26:09,800 --> 00:26:10,760
Speaker 7: This is a ride.

586
00:26:13,920 --> 00:26:15,520
Speaker 2: Stump in our car that we just made a whole

587
00:26:15,520 --> 00:26:17,680
Speaker 2: heap of money.

588
00:26:17,760 --> 00:26:20,639
Speaker 4: So I was working at home doing some writing for

589
00:26:20,760 --> 00:26:24,919
Speaker 4: Soham and I got like five hours in and I

590
00:26:24,920 --> 00:26:27,359
Speaker 4: got a little bought no offense. I love she's on

591
00:26:27,400 --> 00:26:29,760
Speaker 4: the money, but I was like, I need to break

592
00:26:29,760 --> 00:26:32,120
Speaker 4: this up somehow. Did I go for a walk no,

593
00:26:32,560 --> 00:26:35,520
Speaker 4: I drove to kmart, guys, just have a.

594
00:26:35,400 --> 00:26:36,640
Speaker 2: Look, just have a little look.

595
00:26:37,040 --> 00:26:40,439
Speaker 4: I've never just looked, and I didn't just look anyway.

596
00:26:40,440 --> 00:26:44,359
Speaker 2: I walked out with like thirty candles only small bar.

597
00:26:44,920 --> 00:26:45,560
Speaker 7: That's pretty good.

598
00:26:45,680 --> 00:26:47,560
Speaker 4: Yeah, but like a lot of stuff I didn't need.

599
00:26:48,240 --> 00:26:51,320
Speaker 4: It was an expensive little lunch break. And the other

600
00:26:51,359 --> 00:26:53,840
Speaker 4: one was that I this is a money win great,

601
00:26:54,200 --> 00:26:56,080
Speaker 4: similar to what we were talking about earlier.

602
00:26:56,320 --> 00:26:57,280
Speaker 5: You got forty million dollars.

603
00:27:00,119 --> 00:27:04,200
Speaker 2: Read she's now the CEO or the CEO of c CEL.

604
00:27:05,359 --> 00:27:05,399
Speaker 5: No.

605
00:27:05,520 --> 00:27:08,680
Speaker 4: I just went to an opshop and saw a ratten ratan.

606
00:27:09,359 --> 00:27:12,520
Speaker 2: Yeah, we don't know if it's rotten or ratan.

607
00:27:11,840 --> 00:27:15,719
Speaker 4: We're not sure. I bought it for fifteen dollars and

608
00:27:15,800 --> 00:27:18,639
Speaker 4: I've been looking at one for like four hunds, so

609
00:27:18,800 --> 00:27:19,040
Speaker 4: it was.

610
00:27:19,160 --> 00:27:20,840
Speaker 7: It was a whole week. That's a definite monk.

611
00:27:20,920 --> 00:27:23,640
Speaker 4: I mean, thanks, guys, Jessica Ricci.

612
00:27:23,800 --> 00:27:25,760
Speaker 2: What have you got for the community this week?

613
00:27:25,800 --> 00:27:27,760
Speaker 8: I have a loss, although now that I'm about to

614
00:27:27,760 --> 00:27:29,800
Speaker 8: say it, I can't remember if I complain to you guys,

615
00:27:29,880 --> 00:27:32,280
Speaker 8: or if I canplain to the podcast community. So ready,

616
00:27:32,960 --> 00:27:35,920
Speaker 8: here we go, car park related once again. I feel

617
00:27:35,920 --> 00:27:38,280
Speaker 8: like all my losses are car park related. I am

618
00:27:38,560 --> 00:27:41,879
Speaker 8: tapped to exit the infamous car park last week, and

619
00:27:42,080 --> 00:27:44,359
Speaker 8: normally I've said before I don't keep money in like

620
00:27:44,400 --> 00:27:46,840
Speaker 8: my spending account because I am notorious for losing my wallet,

621
00:27:46,880 --> 00:27:48,720
Speaker 8: so I don't keep money like in my account. I

622
00:27:48,760 --> 00:27:51,960
Speaker 8: keep it in my savers. Anyway, tapped to exit and

623
00:27:52,119 --> 00:27:55,600
Speaker 8: it charged me eighty dollars for the day. Right drove

624
00:27:55,680 --> 00:27:58,560
Speaker 8: out fuming, thinking they've messed up again. They haven't put

625
00:27:58,600 --> 00:28:01,960
Speaker 8: my thing in get home home, going through my emails

626
00:28:01,960 --> 00:28:03,639
Speaker 8: for the day, trying to find my booking so I

627
00:28:03,640 --> 00:28:07,080
Speaker 8: can send a scathing email to them. Turns out I

628
00:28:07,080 --> 00:28:11,240
Speaker 8: forgot to book and that one's on me.

629
00:28:12,119 --> 00:28:14,600
Speaker 2: That is a money loss. Those are the worst kinds.

630
00:28:14,640 --> 00:28:17,000
Speaker 2: When you're like scathing, you're like, I'm going to remediate this,

631
00:28:17,000 --> 00:28:18,919
Speaker 2: this will be fine, and then you're like, oh, that

632
00:28:19,119 --> 00:28:19,399
Speaker 2: was me.

633
00:28:19,720 --> 00:28:22,280
Speaker 7: I have to pay the actual money because it's my fault.

634
00:28:23,760 --> 00:28:25,600
Speaker 3: I can't even yell at anyone about it.

635
00:28:25,880 --> 00:28:27,800
Speaker 2: Oh tony, what have you got?

636
00:28:28,560 --> 00:28:31,760
Speaker 3: My boyfriend and I are moving house next week, a

637
00:28:31,760 --> 00:28:32,880
Speaker 3: week from today, which.

638
00:28:32,720 --> 00:28:35,040
Speaker 2: Is very exciting, so very exciting. A new house has

639
00:28:35,080 --> 00:28:35,480
Speaker 2: a bath.

640
00:28:35,640 --> 00:28:38,800
Speaker 3: Yes, I'm very very excited about it. So we've been

641
00:28:38,800 --> 00:28:41,280
Speaker 3: shopping around like our power and internet and all of that,

642
00:28:41,640 --> 00:28:45,400
Speaker 3: and our internet is going to be twenty dollars cheaper.

643
00:28:45,600 --> 00:28:51,080
Speaker 3: Ahma yep, and way better and faster apparently according to Torbs.

644
00:28:51,120 --> 00:28:54,960
Speaker 3: I don't know what a gigabit is, but apparently way better,

645
00:28:55,120 --> 00:28:55,800
Speaker 3: way cheaper.

646
00:28:56,240 --> 00:29:01,200
Speaker 2: Very exciting, Thanks good money. Win's so good, Ryan? What

647
00:29:01,320 --> 00:29:01,720
Speaker 2: have you got?

648
00:29:01,760 --> 00:29:02,280
Speaker 6: What you got?

649
00:29:02,440 --> 00:29:08,720
Speaker 5: I've achieved an impossible mission after seven months, fourteen emails,

650
00:29:09,800 --> 00:29:12,440
Speaker 5: I am no longer a member of any Time Fitness.

651
00:29:15,960 --> 00:29:17,040
Speaker 7: Did they refund the money?

652
00:29:18,000 --> 00:29:20,160
Speaker 5: Hopefully will be next week's win, but just one small

653
00:29:20,160 --> 00:29:22,520
Speaker 5: step at a time. But they're like, oh, we'll let

654
00:29:22,560 --> 00:29:24,200
Speaker 5: you out of your membership. But now I'm like, thank you.

655
00:29:26,560 --> 00:29:29,959
Speaker 5: But they have my fixed term contract ended in February,

656
00:29:30,240 --> 00:29:32,960
Speaker 5: and they've taken money out every single fortnight and I've

657
00:29:32,960 --> 00:29:34,920
Speaker 5: said I do not use your gym. I do not

658
00:29:35,000 --> 00:29:37,560
Speaker 5: wish to keep paying, and they went, yep, cool, and

659
00:29:37,600 --> 00:29:39,720
Speaker 5: they just keep taking money out for six months. So

660
00:29:40,560 --> 00:29:42,640
Speaker 5: we'll see if we got a refund. But first step

661
00:29:42,720 --> 00:29:46,840
Speaker 5: completed very.

662
00:29:44,200 --> 00:29:48,680
Speaker 2: Well, that's been a long journey, very very impressive. V.

663
00:29:48,800 --> 00:29:50,640
Speaker 5: Let's finish with you, okay, I have a.

664
00:29:50,600 --> 00:29:54,080
Speaker 2: Really wholesome money win. Are you ready, buckle up. If

665
00:29:54,080 --> 00:29:55,880
Speaker 2: you follow me on Instagram, you already saw this, so

666
00:29:56,000 --> 00:29:58,080
Speaker 2: just tune out now you won't learn anything.

667
00:29:58,120 --> 00:29:58,680
Speaker 5: See next week.

668
00:30:00,760 --> 00:30:05,120
Speaker 2: I have cumquat trees in my front garden and I

669
00:30:05,160 --> 00:30:06,800
Speaker 2: really like them, but I never know what to do

670
00:30:06,800 --> 00:30:08,480
Speaker 2: with cum quats. And I've asked a million people and

671
00:30:08,520 --> 00:30:11,440
Speaker 2: they also jam, right, great, I'm not going to do it,

672
00:30:11,680 --> 00:30:13,640
Speaker 2: like sounds cute, too.

673
00:30:13,480 --> 00:30:16,000
Speaker 3: Hard, basket to sterilize all the jars, et cetera, just

674
00:30:16,040 --> 00:30:17,120
Speaker 3: sounds like a slog.

675
00:30:17,280 --> 00:30:17,440
Speaker 5: Right.

676
00:30:17,720 --> 00:30:20,360
Speaker 2: So one Saturday morning, a couple of weeks ago, an

677
00:30:20,440 --> 00:30:22,560
Speaker 2: older gentleman came and knocked on our front door on

678
00:30:22,640 --> 00:30:23,720
Speaker 2: ads sidy.

679
00:30:23,400 --> 00:30:24,120
Speaker 7: And what are you doing?

680
00:30:24,200 --> 00:30:26,360
Speaker 2: I still don't have any pants on. So I'm running

681
00:30:26,360 --> 00:30:28,760
Speaker 2: at the front door and he's like, oh, hi, sorry,

682
00:30:29,400 --> 00:30:31,960
Speaker 2: my name is Steve. My partner's name is Steve Real wholesome.

683
00:30:33,600 --> 00:30:36,080
Speaker 2: Can I steal some of your cum quats from your tree?

684
00:30:36,120 --> 00:30:38,280
Speaker 6: Oh my god? Was it Steve from the future.

685
00:30:40,680 --> 00:30:46,480
Speaker 2: Unless Steve got much taller, No, it wasn't. And I

686
00:30:46,520 --> 00:30:49,040
Speaker 2: was like, oh, of course, like go for it. And

687
00:30:49,080 --> 00:30:50,920
Speaker 2: he's like, I'm gonna make jam my wife and I like,

688
00:30:50,960 --> 00:30:52,960
Speaker 2: we love cum quat, jam We saw your cum quats

689
00:30:52,960 --> 00:30:57,520
Speaker 2: and of course go and last weekend went out to

690
00:30:57,560 --> 00:31:01,760
Speaker 2: my mailbox. There was a a big jar of comcoat

691
00:31:01,840 --> 00:31:05,840
Speaker 2: jam in my mailbox, such a cute note being like

692
00:31:06,000 --> 00:31:09,360
Speaker 2: enjoy it and it's all dated and honestly so wholesome.

693
00:31:10,960 --> 00:31:12,480
Speaker 6: So that's real neighborhood vibes.

694
00:31:12,800 --> 00:31:15,680
Speaker 2: Yeah, Like it was just really sweet and I was like, oh,

695
00:31:15,720 --> 00:31:18,640
Speaker 2: people still do this, Like anyway, that's my money. Wh

696
00:31:18,760 --> 00:31:19,480
Speaker 2: I got free jam?

697
00:31:19,760 --> 00:31:20,840
Speaker 7: How was the jam tasting?

698
00:31:20,840 --> 00:31:21,760
Speaker 2: It was so good.

699
00:31:22,480 --> 00:31:24,640
Speaker 5: You've changed a june You're very anti jam making about

700
00:31:24,640 --> 00:31:31,720
Speaker 5: thirty seconds ago making? Yeah, hey if I were, because

701
00:31:31,760 --> 00:31:33,520
Speaker 5: it sounds really great if I were to grow one

702
00:31:33,560 --> 00:31:36,240
Speaker 5: of those from scratch. Hold I start, Are you doing.

703
00:31:36,000 --> 00:31:36,640
Speaker 6: A job.

704
00:31:39,720 --> 00:31:46,960
Speaker 2: From Oh no, I think we are done here, guys.

705
00:31:47,280 --> 00:31:49,920
Speaker 2: So just before we head off, we'd like to acknowledge

706
00:31:49,960 --> 00:31:53,840
Speaker 2: and pay respect to Australia's Aboriginal and Torres Strait Islander people's.

707
00:31:54,080 --> 00:31:57,320
Speaker 2: They're the traditional custodians at the lands, the waterways and

708
00:31:57,360 --> 00:32:00,920
Speaker 2: the skies all across Australia. Thank you for sharing and

709
00:32:01,120 --> 00:32:03,440
Speaker 2: caring for the land on which we are able to learn.

710
00:32:03,760 --> 00:32:06,280
Speaker 2: We pay respects to elders past and present, and we

711
00:32:06,320 --> 00:32:08,240
Speaker 2: share our friendship and our kindness.

712
00:32:08,480 --> 00:32:10,840
Speaker 4: The advice shared on She's on the Money is general

713
00:32:10,920 --> 00:32:14,400
Speaker 4: in nature and does not consider your individual circumstances. She's

714
00:32:14,400 --> 00:32:17,480
Speaker 4: on the Money exists purely for educational purposes and should

715
00:32:17,480 --> 00:32:19,480
Speaker 4: not be relied upon to make an investment or a

716
00:32:19,520 --> 00:32:23,640
Speaker 4: financial decision, and we promise. Victoria Divine is an authorized

717
00:32:23,760 --> 00:32:29,080
Speaker 4: representative of Australia Pacific Funds Management Proprietary Limited ABN three

718
00:32:29,120 --> 00:32:31,400
Speaker 4: four one three two four six three two five seven

719
00:32:31,480 --> 00:32:35,280
Speaker 4: AFSL three through nine one five one So good at

720
00:32:35,280 --> 00:32:38,760
Speaker 2: That, J King, very good taking bye bye bye