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

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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

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Speaker 4: The podcast are millennials who want financial freedom. Welcome my friends,

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Speaker 4: back to another Friday episode where we celebrate you ow incredible.

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Speaker 4: She's on the Money community. But this week, my friends,

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Speaker 4: it looks a little bit different because Miss jessic Ricci

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Speaker 4: as always is here.

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Speaker 2: Hello, but Jessica, where are we We're in New.

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Speaker 4: York City, We actually are, and this week we are

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Speaker 4: joined by two friends I would say friends of the show,

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Speaker 4: but also She's on the Money employees who were dragged

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Speaker 4: on and all expenses paid trip to New York.

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Speaker 2: So it's a really hard life. They're really salty.

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Speaker 4: We have Gabby Funham and Brooke Taylor Hello. Hello, Let's

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Speaker 4: introduce them first, Jess, because I feel like you and

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Speaker 4: I are incredibly comfortable behind a mic arguably sometimes too

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Speaker 4: comfortable behind a microphone.

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Speaker 2: Gabby straight under the bus. Who are you? What do

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Speaker 2: you do and why are you in New York?

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Speaker 5: I'm Gabby, I'm.

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Speaker 2: Hi Gabby.

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Speaker 3: Welcome means the PR and marketing manager at She's on

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Speaker 3: the money, just moved on from v's EA, which is

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Speaker 3: a bit of a sad little journey, but it was

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Speaker 3: sad to be my eas to New York, and I'm

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Speaker 3: here just for the vibes, good times. I mean, we're

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Speaker 3: also going to a finance conference, that's mainly why we came.

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Speaker 3: But we also have a heap of really cool interviews

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Speaker 3: that are going to drop over the next couple of

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Speaker 3: weeks that Gabby organized entirely so exactly.

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Speaker 6: You guys will love them.

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Speaker 4: I'm really excited about it. In Brook Taylor Green, I'm

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Speaker 4: Brok Taylor Green. That's government name. You're welcome.

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Speaker 7: I do all video content, so any bad tiktoks you watch.

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Speaker 7: I probably made them, and I'm here because it's way

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Speaker 7: more fun to do a daily blog on behalf of

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Speaker 7: V than to have V do it herself. So I'm

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Speaker 7: just filming everything and anything and going to the conference.

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Speaker 8: Also, if you're not following us on Instagram, you absolutely

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Speaker 8: should be and TikTok as well, because there is so

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Speaker 8: much good content. We've been having so much fun with it.

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Speaker 8: There's lots of financed but there is also the little

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Speaker 8: bts moments that I feel like everybody loves. And turns out,

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Speaker 8: New York is really expensive, so that's been really expensive.

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Speaker 5: It's been a little bit gross.

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Speaker 2: I'm going to actually replace becks broke tips with.

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Speaker 6: Like why we are broken.

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Speaker 4: To come to America and the exchange rate is awful,

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Speaker 4: But yeah, I feel like it's really exciting to actually

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Speaker 4: be here. Finally, we've been talking about this America trip

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Speaker 4: four litual years. Jess and I came to the US

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Speaker 4: last year for the same conference, got a lot out

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Speaker 4: of it, and we are going again.

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Speaker 2: It's called fin Con for anyone who is interested.

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Speaker 4: If you listened last year, you knew that we were

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Speaker 4: there and we weren't excited about it. But it's one

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Speaker 4: of those things that it's kind of like a pipe dream. Guys,

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Speaker 4: we're recording in New York City.

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Speaker 2: That is wild. It's like she's on the money gone

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Speaker 2: gossip girl.

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Speaker 4: But let's move on and get some normalcy to this podcast,

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Speaker 4: Miss Jesse Ricci, what are your money wins of the week?

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Speaker 8: All right? My first money when this week came from Grace,

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Speaker 8: who said, my partner and I went to give the

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Speaker 8: car a quick powerwash at the DIY cart wash and

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Speaker 8: the meat still had money on it.

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Speaker 2: Freekarwhah.

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Speaker 5: She calls the money win that is.

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Speaker 2: Was is getting expensive.

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Speaker 8: I also would never leave money on the meet it,

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Speaker 8: Like even if I was done cleaning, I would find

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Speaker 8: something to clean. Like if I've put ten bucks in

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Speaker 8: and there's still a few dollars left, I'd be like, well,

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Speaker 8: I haven't cleaned it enough, like I'm gonna.

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Speaker 5: I would not walk away with it. No, not the

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Speaker 5: one that I go.

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Speaker 2: I just money win, I just just get it. No way.

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Speaker 2: I asked my dad to clean my car when I

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Speaker 2: go back home.

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Speaker 5: Absolute genius.

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Speaker 8: My next money comes from Kirby, who said, we went

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Speaker 8: out to dinner with my family and the poor waiter

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Speaker 8: accidentally dropped my partner's meal all over him and the floor.

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Speaker 8: We were more than happy to just get a replacement

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Speaker 8: and a few extra napkins. But the sweetheart got a

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Speaker 8: meal remade in record time and gave him a refund

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Speaker 8: for his meal and gave him a free drink, and

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Speaker 8: she said, bless his cotton socks.

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Speaker 4: That is literally the sweetest But as we have a

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Speaker 4: good little story, Yeah, previous waitress who tipped an entire

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Speaker 4: glass of red wine over someone wearing white pants once

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Speaker 4: way back in the day, like the mad anxiety, Like

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Speaker 4: in that moment, you cannot do enough to make up

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Speaker 4: for it, Which is funny because that's not the experience

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Speaker 4: Brooke Taylor Green had.

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Speaker 2: Is it.

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Speaker 1: No?

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Speaker 7: Recently, I was on a flight back from Thailand and

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Speaker 7: the air hostess walked past me and spilt an entire

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Speaker 7: cup of coffee, like not a little bit and a

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Speaker 7: tip of coffee and was like walking at full pace

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Speaker 7: and goes, oh sorry, and they.

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Speaker 6: Just did not worry and then threw a towel back

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Speaker 6: to me.

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Speaker 4: Lean it up.

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Speaker 6: I was worried about it. He was like, yeah, you

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Speaker 6: deal with this.

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Speaker 2: Coffee.

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Speaker 4: Yep, that's why we now fly United. That's fine, that's

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Speaker 4: absolutely fine. Just what else have you got next?

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Speaker 8: I have one from Chantal who says I'm learning to plant, cook,

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Speaker 8: and preserve a vegy garden. I spent the weekend making

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Speaker 8: way for some summer veggies to go in. And this

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Speaker 8: is what I've kicked. I suppose it's a small, continuous

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Speaker 8: money when as it's almost forced a way to keep

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Speaker 8: me active and I have to do something with what

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Speaker 8: I grow, akay eat it or find ways to reuse

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Speaker 8: the scraps. And there's a little photo.

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Speaker 5: We love a photo.

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Speaker 4: I do love a photo, albeit I do have to

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Speaker 4: admit that like I don't have the commitment for that.

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Speaker 4: And my favorite types of photos that people put in

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Speaker 4: the wind threads are dogs.

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Speaker 5: Yeah you love Yes, we love a dog.

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Speaker 3: I feel like I go through the phase like every

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Speaker 3: summer where I'm like, this year is the year I'm

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Speaker 3: going to do a veggie patch, and Mum comes and

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Speaker 3: like helps me pick all the beginner ones and then

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Speaker 3: I just give up and they die.

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Speaker 4: That's quite it's not a money win, I think, Yeah, no,

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Speaker 4: it's morbidly wholesome.

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Speaker 8: I won't get one of those veggie pod things and

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Speaker 8: it's funny because someone put I have another money in

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Speaker 8: from Jess great name, who said I bought a veggie

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Speaker 8: pod to start growing vegetables at home, and I got

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Speaker 8: sixty dollars cash back. Hopefully growing some vege continues to

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Speaker 8: be a money in. I've always wanted one of those

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Speaker 8: things because it protects them from the sun and the

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Speaker 8: bugs and like all that kind of stuff.

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Speaker 2: I have that pot I made a couple of years ago.

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Speaker 4: Do you remember when I went and got the worm

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Speaker 4: garden and put it in a really big planter, And

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Speaker 4: now it's so just like Gabby, they all died. They

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Speaker 4: all died, and I pulled them out recently and I'm

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Speaker 4: going to replant them and it's going to look lush

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Speaker 4: for approximately three months.

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Speaker 8: I'm excited to eat some homegrown carrots for Victoria's backyard

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Speaker 8: and not lu Next, I've got a money win from Brittany,

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Speaker 8: who said I didn't tell my employer I had finished

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Speaker 8: paying off my hextet and I just cashed it in

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Speaker 8: when I got my tax back, and I got seven

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Speaker 8: grand Bunny we forced savings, and I'm really happy about it.

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Speaker 4: Gabby was celebrating the other day because you got a

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Speaker 4: tax return you weren't expecting.

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Speaker 5: Yeah.

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Speaker 3: I decided to take the plunge and actually pay a

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Speaker 3: tax professional to do my tax this year, which was

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Speaker 3: had a little bit of a moral debate about it,

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Speaker 3: but anyway, I was just like, if I can do

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Speaker 3: it myself on my Gov, but MyGov told me I

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Speaker 3: was going to o two thy four hundred, went to

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Speaker 3: the taxman, got back two thy four hundred, did a

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Speaker 3: full switcheroo.

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Speaker 2: We have broken even.

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Speaker 3: That is a tax slay, absolutely, yes, it is so.

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Speaker 4: For those playing along at home when you put brook

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Speaker 4: Green and I in the same room. What's the word

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Speaker 4: that we use too much sleigh? Yeah, and Gabby does

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Speaker 4: not like it.

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Speaker 5: All the perfon WD people will be getting.

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Speaker 2: PTSD right now.

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Speaker 4: Yeah.

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Speaker 5: Yeah, I tried to put a sleigh limit on but

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Speaker 5: it's hard.

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Speaker 7: I actually had to stop myself because there's many moments

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Speaker 7: where like a money win.

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Speaker 8: That's a sleigh, Like you've slade replaced the sleigh with

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Speaker 8: the money win.

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Speaker 4: Yeah, but it's just okay, But they told us their

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Speaker 4: money win and I want to celebrate it. Slave boots

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Speaker 4: cuts down, all right, jess what else if you got.

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Speaker 8: Every money win, just know that the team thinks it's

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Speaker 8: a big sleigh. Lastly, I've got money Lost from Alana.

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Speaker 8: I think this is a very relatable one. She said,

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Speaker 8: money Loss Meccha holiday has dropped. The lady at the

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Speaker 8: register asked if I wanted them wrapped, and I said, no,

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Speaker 8: they're all for me.

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Speaker 2: I'm sorry, there's nothing wrong with that. But there's also

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Speaker 2: nothing wrong with that.

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Speaker 4: But you guys know, whenever I order from Mecca online,

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Speaker 4: by the way, level four, waiting for them to invite

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Speaker 4: me to their next level once they decide to create one.

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Speaker 4: But I always write to Victoria Slave Victoria, and I

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Speaker 4: always ask for gift wrapping and then I open it

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Speaker 4: because nine times out of ten this is not a

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Speaker 4: good thing to admit.

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Speaker 2: I can't remember what I put in my box.

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Speaker 5: I just need it yourself to.

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Speaker 2: Me from me.

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Speaker 5: Exactly true.

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Speaker 8: It's probably packed faster when you gift trap it because

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Speaker 8: it's a smaller section. I used to work in the

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Speaker 8: ware house.

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Speaker 2: Is it actually in Melbourne?

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Speaker 8: It's two separate at least at the Melbourn ware house

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Speaker 8: it's two separate divisions.

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Speaker 2: Oh my gosh. So if I tick normal box slash

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Speaker 2: not normal box.

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Speaker 8: It's just higher volume in normal, like they're packing like

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Speaker 8: their lives depend on it.

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Speaker 2: They do because at Tilbury very quickly, is the answer.

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Speaker 5: Yeah, they're brilliant. We love you, Mecca, all right.

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Speaker 4: So unfortunately beck did not come to fing On with

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Speaker 4: us this year.

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Speaker 5: We've got other work to do it home, which is fair.

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Speaker 4: Yeah, it's fair like she works for iHeart, not for

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Speaker 4: Victoria Divine, which is quite sad.

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Speaker 2: I mean, you guys are probably quite envious.

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Speaker 6: But that's okay.

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Speaker 4: But I decided this week instead of doing becks broke tips,

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Speaker 4: we're going to do She's on the money, is what's

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Speaker 4: making you broke this week?

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Speaker 2: In New York City.

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Speaker 4: Yes, the other day, I think you're going to talk

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Speaker 4: about your are a sau refreshers that you're obsessed with.

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Speaker 4: You had a conniption at the dining table when you

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Speaker 4: realized what that.

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Speaker 8: I hadn't been taking into account and con To be honest,

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Speaker 8: I hadn't even asked them how much they were. I

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Speaker 8: just remember that I loved these last year. I came

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Speaker 8: in and I was like, tappy, tap tap, terrible habit,

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Speaker 8: don't do it, tapping away. And then I was just

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Speaker 8: checking my bank account to see where we were at

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Speaker 8: and I was like, oh my god, I'm paying twelve

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Speaker 8: dollars fifty.

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Speaker 4: Your drinks had a little more down and you don't

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Speaker 4: even get the big one. I did you just get

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Speaker 4: like the grande, which is really.

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Speaker 5: The size of like the medium.

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Speaker 8: Yeah.

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Speaker 5: Medium?

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Speaker 8: At home, I would say, yeah, I couldn't believe it.

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Speaker 8: I was very sad about it with money. When Victoria

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Speaker 8: bought mine this morning.

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Speaker 2: For me, yeah, because I felt bad.

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Speaker 6: She was like, I'm not going to get one.

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Speaker 2: Yeah, because it was like which makes sense?

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Speaker 4: And I was like, well, you deserve this strawberry esau

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Speaker 4: refresher from Starbucks.

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Speaker 5: You do, and you don't have coffee, so I feel

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Speaker 5: like you need.

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Speaker 2: To yourself and she always deserves it.

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Speaker 8: Yeah, if you don't drink coffee, the refreshers have caffeine

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Speaker 8: in them. They're delicious. They taste like juice.

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Speaker 4: Oh ten out of ten, Gabby, what have you learned

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Speaker 4: about money being in New York City?

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Speaker 3: Oh? I just think the massive, like the tax on

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Speaker 3: top of what you're buying, it is the biggest. Like

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Speaker 3: went to Sephora bought a lip bum and a lip

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Speaker 3: gloss and it cost me like eighty five dollars Australian

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Speaker 3: because you.

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Speaker 2: Get tax on that.

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Speaker 6: Yeah, think about it in the shops.

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Speaker 2: I was like, I mean, do not check.

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Speaker 3: But then you know, when you buy it in USD

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Speaker 3: you're like, oh, it's it's fine.

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Speaker 5: But yeah made me cry a little, but that was fine.

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Speaker 4: It's not because the exchange rates are dollars sixty approximately

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Speaker 4: in my.

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Speaker 5: Yeah, I have another good one that Uber eats. The

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Speaker 5: other night.

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Speaker 8: Uber eats popcorn and two cokes because we did a

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Speaker 8: wholesome little movie night in and you breached two cokes

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Speaker 8: and they looked, you know, you pay a little bit

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Speaker 8: more on in Uber. It's it's fine. You expect it

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Speaker 8: from like not far away at all. And it was

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Speaker 8: like thirty eight dollars between the conversion, the tax, the service,

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Speaker 8: the delivery, Like.

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Speaker 5: And I can't wrap my brain.

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Speaker 8: I have never been more thankful that Australian just keep

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Speaker 8: it so simple, I know.

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Speaker 2: But then you.

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Speaker 7: Feel bad for not tipping, yeah, and like the onus

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Speaker 7: is on you, so you could tip ten percent, but

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Speaker 7: then you look like a bad person and then you like,

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Speaker 7: I'm basically saying to them, oh, I don't think you

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Speaker 7: did a good job, but they did do a good job.

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Speaker 6: So you've got to give them the twenty percent.

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Speaker 5: But twenty percent on anything you buy so much money.

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Speaker 4: It's a lot of money if you've got But that's

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Speaker 4: what I've been putting because I'm an anxious girl and

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Speaker 4: I don't want to think that I'm not kind. Yeah,

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Speaker 4: like I'm not going to go to a restaurant and

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Speaker 4: be super nice to you, Gabby, and they'd be like,

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Speaker 4: you are not worth a.

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Speaker 5: Tip ill and twenty percent standard.

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Speaker 6: So if you really like them, you should be giving, yeah,

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Speaker 6: like twenty five. But it'd you have like one hundred

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Speaker 6: dollars lunch.

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Speaker 7: Then that's very bad at math soot a one hundred

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Speaker 7: dollar lunch.

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Speaker 4: Actually, we the other night, we got in quite late

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Speaker 4: from our plane we arrived from Australia. We got to

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Speaker 4: our airbnb, we set up, and then we ordered Chick

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Speaker 4: fil A.

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Speaker 2: I have not shared with you how much this cost.

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Speaker 4: Soh No, Taylor Green has been running out how much

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Speaker 4: does it cost?

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Speaker 2: And I thought I just bring it up on the show.

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Speaker 4: Okay, So how much did our Chick fil A order

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Speaker 4: the other day cost? Everybody got chicken tenders, you got

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Speaker 4: a side of chips, and you all got a standard

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Speaker 4: sized drink nothing exciting on the side, and we did

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Speaker 4: out on like a couple of sauces.

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Speaker 6: Here in the sauces are included in the cost of

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Speaker 6: the okay.

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Speaker 4: Yeap, oh no, I think I got it weird, Yeah,

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Speaker 4: you need like I need fifty CHICKI a.

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Speaker 5: Lucky We removed that.

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Speaker 4: How much did that cost delivered? It was on uber

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Speaker 4: It's I'm going one hundred and twenty. I'm trying to

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Speaker 4: do the math mentally in my head and figure it out.

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Speaker 2: No, you cheat by doing the.

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Speaker 7: You gotta say quickly, fast and loose baby, fast and

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Speaker 7: loose eighty five dollars.

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Speaker 4: It was about one hundred dollars USD, which converts to

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Speaker 4: one hundred and sixty dollars takeaway?

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Speaker 5: Doesn't that makes me want to cry?

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Speaker 8: But how.

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Speaker 6: Pay for it? So sorry?

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Speaker 7: But I love the holy money in that was actually

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Speaker 7: a money for us six We saved ourselves like thirty

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Speaker 7: dollars each.

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Speaker 9: Yeah.

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Speaker 4: But then on top of that, I had to tip,

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Speaker 4: and obviously taxes were added to that. But I had

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Speaker 4: to tip, and I was really worried that if I

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Speaker 4: didn't tip enough, they wouldn't bring my food very quickly

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Speaker 4: and it would be cold.

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Speaker 2: So I don't know this.

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Speaker 4: This economy makes me incredibly anxious, stressful.

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Speaker 7: It is because all the onus is on you, like

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Speaker 7: you are a part of the process. Where ITAs in

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Speaker 7: Australia you go to macas ten dollars.

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Speaker 6: Yep, done, thanks bye, I have ten dices ten dollars.

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Speaker 2: It is what is on the label.

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Speaker 7: Yeah, and then here you get a service charge, you

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Speaker 7: get a tip and then it's like a is there

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00:14:32,840 --> 00:14:34,080
Speaker 7: anything more o?

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Speaker 1: Yeah?

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Speaker 6: And the taxes taxes.

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Speaker 4: On topic, Broke, what have you learned about money while

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Speaker 4: being in the Big USA?

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Speaker 7: Accommodation in America is really expensive, like anywhere you go

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00:14:43,680 --> 00:14:46,360
Speaker 7: like hotels, like even like a dodgy motel, throwing a

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00:14:46,400 --> 00:14:49,040
Speaker 7: few dollars a night, which in Australia like a motail

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00:14:49,040 --> 00:14:50,480
Speaker 7: you can get like a fifty dollar dodgy motel.

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Speaker 4: We're not staying in dodgy motels, Broke, No, no, I know,

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Speaker 4: but like.

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Speaker 6: Even I was.

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Speaker 7: I recently was in like Lake Tahoe and it's like

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Speaker 7: middle of it's not the correct season to go in.

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Speaker 7: The dingiest place ever was three hundred and seventy dollars

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Speaker 7: a night and it was like there was not even

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Speaker 7: a fridge.

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Speaker 6: There was not even we didn't have any like it's

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Speaker 6: just expensive. Everything's expensive.

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Speaker 4: Do you know what Jess doesn't like about the US

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Speaker 4: actually because talking about they didn't even have a.

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Speaker 2: They don't have kettles here.

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Speaker 8: It's so so somebody, my friend is studying here and

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Speaker 8: she said that they they're making like a tea. They

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Speaker 8: put it in the microwave.

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Speaker 2: No, no, they don't.

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Speaker 6: The water flow. That's why.

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Speaker 8: Yeah, last year, Victory had to buy me a kettle

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Speaker 8: for her whole room so I could fill up my

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Speaker 8: hot water.

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Speaker 6: Did you bring it this time?

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Speaker 5: Because it was we left it in the US because

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Speaker 5: it was a full kettle.

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Speaker 2: It was a full kettle.

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Speaker 4: This woman had a full conniption that she could not

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Speaker 4: put water in her hot water bottle. And you could

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Speaker 4: see her having an internal meltdown. Wasn't external thesels around.

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Speaker 9: She was just trying to keep it together in front

397
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Speaker 9: of me, and she was like, it's fine, it's fine,

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Speaker 9: it doesn't matter, it doesn't matter. And you know when

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Speaker 9: someone's just like talking to themselves at the same point, saying,

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00:16:00,440 --> 00:16:02,840
Speaker 9: so we made a late night dash to Walmart, which

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00:16:02,880 --> 00:16:06,760
Speaker 9: is terrifying. By the way, why do you sell groceries, clothes, shoes,

402
00:16:06,800 --> 00:16:08,920
Speaker 9: and guns in the same location.

403
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Speaker 6: Shops.

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00:16:12,120 --> 00:16:13,280
Speaker 2: But anyway, we.

405
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Speaker 4: Asked, didn't we jest? We asked for a kettle. The

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00:16:15,480 --> 00:16:17,680
Speaker 4: guy looked at us like we were on crack.

407
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Speaker 5: I didn't even know what it was.

408
00:16:18,600 --> 00:16:19,480
Speaker 2: He was like, what's a kettle?

409
00:16:19,480 --> 00:16:21,200
Speaker 4: And we were like, you know, you put boiling water

410
00:16:21,240 --> 00:16:25,160
Speaker 4: in there, and he did not understand. That's fine. We

411
00:16:25,200 --> 00:16:27,240
Speaker 4: did find one kettle in the whole store. It was

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00:16:27,280 --> 00:16:29,360
Speaker 4: really expensive if we had to buy it because j

413
00:16:30,000 --> 00:16:32,840
Speaker 4: wasn't going to sleep, and then we something different. No,

414
00:16:32,920 --> 00:16:34,720
Speaker 4: it's literally called an electric kettle.

415
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Speaker 2: They care about the.

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00:16:37,720 --> 00:16:42,400
Speaker 8: Commodity and the electric one as well, because sometimes like

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00:16:42,400 --> 00:16:44,560
Speaker 8: our Airbnb has one you put on the burner, but

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00:16:45,640 --> 00:16:47,000
Speaker 8: most people at home wouldn't use one on the.

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00:16:46,960 --> 00:16:50,120
Speaker 4: Burner's because the people the Westeak now it's house is

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00:16:50,160 --> 00:16:53,040
Speaker 4: really fancy, so of course they have a very esthetic.

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00:16:53,120 --> 00:16:55,360
Speaker 2: Copper like style kettle.

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Speaker 5: Gorgeous.

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Speaker 2: I would almost bet that they don't drink tea.

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Speaker 4: I feel like that's not very it's lovely.

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00:17:01,720 --> 00:17:02,480
Speaker 6: I had a little look.

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00:17:03,240 --> 00:17:06,080
Speaker 2: You're went through all their stuff for his snowy.

427
00:17:08,440 --> 00:17:10,400
Speaker 4: All right, no worries, Let's go to a really quick

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00:17:10,400 --> 00:17:12,159
Speaker 4: break on the flip side, I want to talk to

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Speaker 4: you guys about a money dilemma. This week we're talking

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Speaker 4: about micro investing, and then we're also going to be

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Speaker 4: answering a juicy money question that you slid into our

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00:17:19,080 --> 00:17:22,600
Speaker 4: dms about which this week we're talking about splitting finances

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Speaker 4: in a relationship before having children.

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Speaker 2: Don't go anywhere, guys, Welcome back everybody.

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Speaker 5: Let's take a listen to this week's money dilemma.

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Speaker 4: Hi.

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00:17:36,840 --> 00:17:37,960
Speaker 6: There, have you got.

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00:17:37,800 --> 00:17:40,320
Speaker 10: A money dilemma you just can't solve? The Sheese on

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00:17:40,359 --> 00:17:43,120
Speaker 10: the Money Team is here to help. Every week we

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00:17:43,200 --> 00:17:45,960
Speaker 10: tackle your dilemmas, both big and small, to answer your

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00:17:45,960 --> 00:17:47,320
Speaker 10: most burning money.

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00:17:47,080 --> 00:17:48,440
Speaker 2: Career and life questions.

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Speaker 10: To get involved, simply head to our website and leave

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00:17:51,200 --> 00:17:53,320
Speaker 10: us a short voice recording and you might just find

445
00:17:53,359 --> 00:17:56,080
Speaker 10: yourself on the show. Now, let's take a listen to

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Speaker 10: this week's money dilemma.

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Speaker 11: Hi, She's on the Money Team. So I'm currently wanting

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00:18:04,200 --> 00:18:07,879
Speaker 11: to start micro investing about twenty dollars a week. And

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Speaker 11: I've also heard a lot about the roundup feature on

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Speaker 11: the different apps, which sounds a lot of fun. It's

451
00:18:15,400 --> 00:18:18,280
Speaker 11: just very confusing with all the apps out there and

452
00:18:18,320 --> 00:18:21,119
Speaker 11: the monthly plans that are pretty high in fees at

453
00:18:21,160 --> 00:18:23,080
Speaker 11: the end of the day. So yeah, just wanting some

454
00:18:23,160 --> 00:18:25,600
Speaker 11: advice on this and how to make sure that with

455
00:18:25,880 --> 00:18:29,000
Speaker 11: such a small amount of money invested every week, I

456
00:18:29,160 --> 00:18:32,560
Speaker 11: don't end up paying a lot in fees, Like how

457
00:18:32,920 --> 00:18:36,679
Speaker 11: how much are we looking at? Percentage wise? If you

458
00:18:36,800 --> 00:18:39,439
Speaker 11: girls could clarify that, I would be amazing. Thank you

459
00:18:39,520 --> 00:18:40,000
Speaker 11: so much.

460
00:18:40,320 --> 00:18:42,520
Speaker 5: So obviously we cannot give you personal advice.

461
00:18:42,720 --> 00:18:45,000
Speaker 2: We can talk about the functionality of different products.

462
00:18:45,119 --> 00:18:48,760
Speaker 8: Absolutely, I can talk about my experience, right like that's.

463
00:18:48,640 --> 00:18:50,600
Speaker 2: Not yeah, totally no, no, no, what do you do? Tell us?

464
00:18:50,640 --> 00:18:53,040
Speaker 8: So I use Sharesy, and you guys know that they're

465
00:18:53,040 --> 00:18:55,800
Speaker 8: a friend of the show. But I like them because

466
00:18:55,960 --> 00:18:56,800
Speaker 8: I started off.

467
00:18:56,680 --> 00:18:58,640
Speaker 5: Micro investing before I started.

468
00:18:58,280 --> 00:19:02,080
Speaker 8: Investing larger amounts, and they have the roundups feature, which

469
00:19:02,119 --> 00:19:04,480
Speaker 8: I really like. They have the ability for you to

470
00:19:04,680 --> 00:19:06,960
Speaker 8: buy shares in the US Stock Exchange, which is something

471
00:19:06,960 --> 00:19:09,280
Speaker 8: else that I really like, even though they are a

472
00:19:09,280 --> 00:19:12,440
Speaker 8: platform that allows you to invest in very small amounts

473
00:19:12,480 --> 00:19:13,560
Speaker 8: from as little as consent.

474
00:19:13,720 --> 00:19:16,600
Speaker 4: So relevant for this episode, Jessica Ici, because what did

475
00:19:16,600 --> 00:19:19,080
Speaker 4: we do right before coming to the iHeart Studios to

476
00:19:19,160 --> 00:19:19,919
Speaker 4: record this.

477
00:19:19,960 --> 00:19:20,680
Speaker 5: We touched the ball.

478
00:19:20,840 --> 00:19:21,520
Speaker 8: Where do we do it?

479
00:19:22,320 --> 00:19:27,000
Speaker 2: Wall Street? I'm officially a Wall Street girlie.

480
00:19:27,080 --> 00:19:29,600
Speaker 4: I stood in front of the Wall Street Oh sorry,

481
00:19:29,640 --> 00:19:31,840
Speaker 4: I stood in front of the American Stock Exchange for

482
00:19:31,880 --> 00:19:34,199
Speaker 4: a good five minutes staring at it before. Gabby was like,

483
00:19:34,480 --> 00:19:36,280
Speaker 4: we have places to be and I was like, do

484
00:19:36,480 --> 00:19:38,560
Speaker 4: not realize how iconic this moment is for me?

485
00:19:38,920 --> 00:19:40,760
Speaker 2: Stop it? And she was just like, we've got to go,

486
00:19:40,880 --> 00:19:41,920
Speaker 2: Like we're on a timeline.

487
00:19:41,960 --> 00:19:47,000
Speaker 3: I'm like, I don't run a tight shitt for me, Gabby.

488
00:19:47,160 --> 00:19:48,320
Speaker 5: I was trying, but I.

489
00:19:48,320 --> 00:19:50,720
Speaker 3: Was like, all right, we got like two minutes, and

490
00:19:50,760 --> 00:19:52,840
Speaker 3: then when VCS we're running ahead of schedule.

491
00:19:52,920 --> 00:19:54,680
Speaker 5: She's like, this is great, Like we'll just go get

492
00:19:54,680 --> 00:19:56,560
Speaker 5: a coffee and I'm like, oh, but that will put

493
00:19:56,640 --> 00:19:59,720
Speaker 5: us behind again. Let's to keep going.

494
00:20:00,040 --> 00:20:01,359
Speaker 2: Fectory as well. Do you just live in it?

495
00:20:01,440 --> 00:20:02,040
Speaker 6: Yeah, that's true.

496
00:20:03,000 --> 00:20:04,720
Speaker 2: Sorry, sorry, sorry back contrack.

497
00:20:04,480 --> 00:20:05,640
Speaker 6: Just che contract.

498
00:20:05,640 --> 00:20:07,600
Speaker 8: I think you definitely need to look at different platforms.

499
00:20:07,640 --> 00:20:09,280
Speaker 8: I like the fact that on Chairsy's there's a few

500
00:20:09,280 --> 00:20:12,080
Speaker 8: different options. You can pay like a monthly subscription that

501
00:20:12,200 --> 00:20:14,080
Speaker 8: kind of covers those fees, or you can pay as

502
00:20:14,080 --> 00:20:16,680
Speaker 8: you go, But all of the platforms have different percentages,

503
00:20:16,720 --> 00:20:18,680
Speaker 8: which is why it is so important to your own

504
00:20:18,720 --> 00:20:22,160
Speaker 8: research and why we are so quick to say there's

505
00:20:22,200 --> 00:20:24,960
Speaker 8: no one platform for everybody. So have a look around,

506
00:20:25,000 --> 00:20:26,439
Speaker 8: have a look at the features you want, because not

507
00:20:26,480 --> 00:20:28,760
Speaker 8: all of the platforms have those fun features. So we've round

508
00:20:28,800 --> 00:20:30,399
Speaker 8: up to something that's important to you. Make sure that

509
00:20:30,400 --> 00:20:33,200
Speaker 8: that's available on whatever you want to use. But yeah,

510
00:20:33,240 --> 00:20:35,080
Speaker 8: it's going to very place to place, and it really

511
00:20:35,160 --> 00:20:37,680
Speaker 8: depends on if you want an easy to use app.

512
00:20:37,600 --> 00:20:39,040
Speaker 5: Or if you want something really fancy.

513
00:20:39,040 --> 00:20:41,280
Speaker 8: Because you want something fancy, chare Y's is very simple,

514
00:20:41,320 --> 00:20:43,400
Speaker 8: which is why I chose it when I was starting out,

515
00:20:43,400 --> 00:20:46,679
Speaker 8: Whereas if you want heaps of reports and big fancy things,

516
00:20:47,240 --> 00:20:48,600
Speaker 8: I'm not one of those girlies.

517
00:20:48,600 --> 00:20:49,840
Speaker 2: I might just keep going for both.

518
00:20:49,960 --> 00:20:52,440
Speaker 4: So, as you guys know, I do invest on chair zas,

519
00:20:52,480 --> 00:20:54,199
Speaker 4: but I also do love a little bit more of

520
00:20:54,240 --> 00:20:57,520
Speaker 4: a complex platform sometimes just because I like the research

521
00:20:57,560 --> 00:20:58,280
Speaker 4: and the insights.

522
00:20:58,320 --> 00:21:01,480
Speaker 2: But she did specifically men micro.

523
00:21:01,280 --> 00:21:04,920
Speaker 4: Investing, which I think is worth talking about because you

524
00:21:05,000 --> 00:21:09,160
Speaker 4: technically micro invest Jess on the Chaza's platform, So you

525
00:21:09,200 --> 00:21:12,760
Speaker 4: are taking small amounts of money and investing them with

526
00:21:12,960 --> 00:21:15,520
Speaker 4: shares's right, and you use the roundup feature, and it

527
00:21:15,520 --> 00:21:20,320
Speaker 4: all makes sense that feature is also on platforms like

528
00:21:20,440 --> 00:21:25,560
Speaker 4: Rays and like Spaceship, which are incredibly popular within our community. However,

529
00:21:26,119 --> 00:21:29,879
Speaker 4: those are more i would say true micro investing platforms

530
00:21:30,160 --> 00:21:32,680
Speaker 4: where Jess, you got to pick your ETF that you're

531
00:21:32,720 --> 00:21:36,600
Speaker 4: investing into. You have a lot more control over your portfolio,

532
00:21:36,640 --> 00:21:39,879
Speaker 4: and it's still just as accessible as the quote micro

533
00:21:40,000 --> 00:21:43,639
Speaker 4: investing apps. But I think I've said it before, I

534
00:21:43,680 --> 00:21:45,960
Speaker 4: love micro investing app. It's like the gate raad drug

535
00:21:45,960 --> 00:21:50,160
Speaker 4: of investing because you don't feel overwhelmed when you start right,

536
00:21:50,240 --> 00:21:51,919
Speaker 4: Like you can just do a few dollars here and there,

537
00:21:51,920 --> 00:21:55,040
Speaker 4: you can download the app. It's all really shiny and easy. However,

538
00:21:55,200 --> 00:21:57,960
Speaker 4: once you get to a solid amount of money, you

539
00:21:58,080 --> 00:22:00,960
Speaker 4: find that most people want to see down their micro

540
00:22:01,080 --> 00:22:04,360
Speaker 4: investing app and go over to a quote real investing

541
00:22:04,400 --> 00:22:07,280
Speaker 4: app to have a bit more control because that is

542
00:22:07,320 --> 00:22:09,639
Speaker 4: going to take you all the way through to retirement.

543
00:22:09,920 --> 00:22:11,760
Speaker 4: So if I use you as an example, which I'm

544
00:22:11,800 --> 00:22:14,199
Speaker 4: really glad I have you to use this example of

545
00:22:14,640 --> 00:22:16,760
Speaker 4: you're not going to need to leave Shares's for your

546
00:22:16,880 --> 00:22:20,239
Speaker 4: entire life, Like if you decided right, Shares's is it.

547
00:22:20,280 --> 00:22:22,840
Speaker 4: I've picked my two ETFs only, No, you've got two

548
00:22:22,840 --> 00:22:26,320
Speaker 4: because I look at your portfolio two, so Perby.

549
00:22:26,000 --> 00:22:28,320
Speaker 2: I'm like, what what you got, Gabby, what's in there?

550
00:22:28,480 --> 00:22:28,840
Speaker 2: Show me?

551
00:22:29,320 --> 00:22:33,119
Speaker 4: But I think it's important to understand that a Shares's

552
00:22:33,160 --> 00:22:36,399
Speaker 4: platform is a little bit more scalable, whereas something like

553
00:22:36,560 --> 00:22:40,680
Speaker 4: a micro investing platform that to me is dipping your

554
00:22:40,760 --> 00:22:44,480
Speaker 4: toes in the water and getting a little bit comfortable

555
00:22:44,480 --> 00:22:47,240
Speaker 4: with it, and you might progress to a bigger platform.

556
00:22:47,520 --> 00:22:51,080
Speaker 4: The fees should be relatively comparable in saying that you

557
00:22:51,160 --> 00:22:54,040
Speaker 4: are always going to be paying more fees on lower

558
00:22:54,040 --> 00:22:57,760
Speaker 4: amounts because the same transactions have to occur on a

559
00:22:57,840 --> 00:23:01,240
Speaker 4: dollar versus one thousand dollars. Right, You've got your brokerage,

560
00:23:01,280 --> 00:23:04,760
Speaker 4: you have transaction fees, you might have app or administration fees,

561
00:23:04,800 --> 00:23:07,480
Speaker 4: and all of those things are reasonable. That's why it's

562
00:23:07,480 --> 00:23:10,520
Speaker 4: probably worth jumping into our Facebook community and understanding what

563
00:23:11,080 --> 00:23:12,880
Speaker 4: are other people in our community using?

564
00:23:13,040 --> 00:23:14,280
Speaker 2: What apps? Could I look at?

565
00:23:14,359 --> 00:23:16,760
Speaker 4: Have a look at our investing guide that's on our website,

566
00:23:16,800 --> 00:23:19,520
Speaker 4: go back to our investing series that we did on

567
00:23:19,560 --> 00:23:21,840
Speaker 4: the podcast a couple of months or even probably a

568
00:23:21,920 --> 00:23:24,719
Speaker 4: year ago. With shares these I think those things are

569
00:23:24,720 --> 00:23:27,600
Speaker 4: really important to understand, because if you want to start small,

570
00:23:28,040 --> 00:23:30,479
Speaker 4: you don't necessarily just have to go for micro investing

571
00:23:30,520 --> 00:23:34,119
Speaker 4: platforms anymore. But be aware that the fees at the

572
00:23:34,240 --> 00:23:37,800
Speaker 4: very start are going to feel in percentage terms, a

573
00:23:37,840 --> 00:23:40,960
Speaker 4: lot higher. But for me, that's an investment into your

574
00:23:40,960 --> 00:23:44,600
Speaker 4: financial literacy, because even if you're paying two dollars fifty

575
00:23:44,600 --> 00:23:48,520
Speaker 4: a month and you're investing ten dollars that twenty five percent.

576
00:23:48,600 --> 00:23:49,320
Speaker 2: That's a lot.

577
00:23:49,560 --> 00:23:51,920
Speaker 4: But look what you're learning, Look what's compounding, Look where

578
00:23:51,960 --> 00:23:54,720
Speaker 4: the growth is coming from, not just necessarily in terms

579
00:23:54,760 --> 00:23:57,480
Speaker 4: of making money, but in terms of your growth mindset

580
00:23:57,520 --> 00:24:00,679
Speaker 4: and putting you know yourself first. So when money starts

581
00:24:00,720 --> 00:24:03,840
Speaker 4: to compound, you're in the best possible position, and you

582
00:24:04,040 --> 00:24:06,920
Speaker 4: kind of have to start there. But once you get

583
00:24:06,920 --> 00:24:09,560
Speaker 4: to having a bigger portfolio, like I know you do, Gabby,

584
00:24:09,600 --> 00:24:12,200
Speaker 4: and I know you do, Jess, and I'm pretty sure

585
00:24:12,200 --> 00:24:14,399
Speaker 4: you do too, Brook, because you're like a little investing queen.

586
00:24:15,160 --> 00:24:16,560
Speaker 2: You you're a bit of an investing bro.

587
00:24:16,680 --> 00:24:18,840
Speaker 4: Though I do I don't want to talk to her

588
00:24:18,880 --> 00:24:20,800
Speaker 4: on the podcast about what she invests in because she

589
00:24:20,880 --> 00:24:22,240
Speaker 4: consistently offends me.

590
00:24:22,680 --> 00:24:26,159
Speaker 7: However, I don't I have no money in crypto you

591
00:24:26,160 --> 00:24:26,880
Speaker 7: said the other day.

592
00:24:29,440 --> 00:24:30,399
Speaker 5: I didn't pick up on that.

593
00:24:30,560 --> 00:24:35,119
Speaker 2: I thought you were serious portfolio. Say how did you

594
00:24:35,160 --> 00:24:37,280
Speaker 2: pick your portfolio? Side note?

595
00:24:37,680 --> 00:24:40,240
Speaker 7: I went through due diligence, like I went on many

596
00:24:40,240 --> 00:24:43,160
Speaker 7: a Reddit for I'm a lover of Reddit. Oh yeah,

597
00:24:43,200 --> 00:24:45,920
Speaker 7: Reddit reliable, because I want to see what everyone else

598
00:24:45,960 --> 00:24:46,480
Speaker 7: is investing in.

599
00:24:46,520 --> 00:24:48,720
Speaker 6: And then I actually did like weeks of research.

600
00:24:48,840 --> 00:24:52,160
Speaker 7: I googled every like diversified fine ETF because I knew

601
00:24:52,160 --> 00:24:53,639
Speaker 7: that was the best way to go. Yes, and then

602
00:24:53,640 --> 00:24:56,040
Speaker 7: I went through and clarified what I wanted, and then

603
00:24:56,080 --> 00:24:58,040
Speaker 7: I diversified again because I was panicked.

604
00:24:58,080 --> 00:24:59,879
Speaker 6: I don't want to be I love this.

605
00:25:00,080 --> 00:25:02,800
Speaker 4: That was a very cheese on the money answer. Thanks, Yeah, yeah, yeah,

606
00:25:02,840 --> 00:25:04,960
Speaker 4: I like it. And I know that Jess and Gabby are

607
00:25:04,960 --> 00:25:07,959
Speaker 4: the same. But once you have those bigger portfolios, you're

608
00:25:08,000 --> 00:25:11,240
Speaker 4: aiming for about one percent in fees, Like anything under

609
00:25:11,240 --> 00:25:14,159
Speaker 4: one percent, sleigh, anything above one percent, you kind of go,

610
00:25:14,560 --> 00:25:17,159
Speaker 4: what could I be doing differently? Is that the platform

611
00:25:17,200 --> 00:25:19,080
Speaker 4: is that the ETF. You also have to be very

612
00:25:19,080 --> 00:25:21,760
Speaker 4: aware that an ETF is going to have fees and

613
00:25:21,960 --> 00:25:23,840
Speaker 4: the platform is going to have fees, So there are

614
00:25:23,880 --> 00:25:26,080
Speaker 4: going to be fees coming from two places, and you

615
00:25:26,160 --> 00:25:27,240
Speaker 4: need to consider that.

616
00:25:27,240 --> 00:25:29,399
Speaker 2: That is not me warning you, oh my gosh, their fees,

617
00:25:29,440 --> 00:25:30,360
Speaker 2: don't do it.

618
00:25:30,520 --> 00:25:34,320
Speaker 4: Just be clear on what it is, because obviously from

619
00:25:34,359 --> 00:25:37,040
Speaker 4: little things, big things grow. You've heard this said a

620
00:25:37,160 --> 00:25:38,679
Speaker 4: million times on the podcast.

621
00:25:38,960 --> 00:25:39,879
Speaker 2: But I do.

622
00:25:39,720 --> 00:25:43,720
Speaker 4: Genuinely believe that it's an investment into your education. And

623
00:25:43,800 --> 00:25:47,919
Speaker 4: if you start worrying about fees really really early, like

624
00:25:47,960 --> 00:25:50,560
Speaker 4: I said in my very first book, if you pay peanuts,

625
00:25:50,560 --> 00:25:53,240
Speaker 4: you're going to get monkeys. So you want to be

626
00:25:53,480 --> 00:25:56,440
Speaker 4: investing in something that makes sense for you, that is scalable,

627
00:25:56,480 --> 00:25:58,920
Speaker 4: not necessarily going what's the cheapest option.

628
00:25:59,240 --> 00:25:59,960
Speaker 5: Yeah, definitely.

629
00:26:00,119 --> 00:26:02,399
Speaker 3: I think for me, like personally, I'm still in a

630
00:26:02,520 --> 00:26:06,840
Speaker 3: very beginner phase of my investing journey and I would

631
00:26:07,040 --> 00:26:09,200
Speaker 3: still consider myself micro investing.

632
00:26:09,640 --> 00:26:11,359
Speaker 4: How are you doing that? Do you have a micro

633
00:26:11,440 --> 00:26:13,440
Speaker 4: investing platform on race space?

634
00:26:13,560 --> 00:26:16,880
Speaker 3: She shares E is, And I'm just investing small amounts

635
00:26:16,920 --> 00:26:20,800
Speaker 3: monthly from my pay which obviously a dollar doesn't stretch

636
00:26:20,800 --> 00:26:21,960
Speaker 3: as far as it did.

637
00:26:21,800 --> 00:26:23,880
Speaker 2: A year ago, not in America at least, no.

638
00:26:25,359 --> 00:26:29,840
Speaker 3: But like you, sav, I have found like just wrapping

639
00:26:29,840 --> 00:26:32,359
Speaker 3: my head around the statements and.

640
00:26:32,359 --> 00:26:33,960
Speaker 5: All of that really really helpful.

641
00:26:34,000 --> 00:26:36,320
Speaker 3: And I think like you say the education you get

642
00:26:36,320 --> 00:26:39,040
Speaker 3: from doing it is really really important, and even though

643
00:26:39,119 --> 00:26:42,160
Speaker 3: you don't see massive returns at one point, and I'm

644
00:26:42,520 --> 00:26:45,400
Speaker 3: as page as like as it gets with investing, I'm

645
00:26:45,440 --> 00:26:49,000
Speaker 3: just in ETFs, the boring ETFs actually really that I

646
00:26:49,000 --> 00:26:51,280
Speaker 3: did know that. Yeah, so I think that I'm a

647
00:26:51,400 --> 00:26:54,360
Speaker 3: very basic investor. But I do think the education I'm

648
00:26:54,400 --> 00:26:57,120
Speaker 3: getting from that is really really good. And I didn't

649
00:26:57,119 --> 00:26:58,960
Speaker 3: know the one percent things. So I'm happy I'm sitting

650
00:26:58,960 --> 00:27:01,960
Speaker 3: here and about where my fee should be going.

651
00:27:02,280 --> 00:27:06,560
Speaker 2: Yeah, hold on, sleigh, sleigh A, we gotta stay out

652
00:27:06,560 --> 00:27:08,000
Speaker 2: of her alright.

653
00:27:08,040 --> 00:27:10,960
Speaker 4: I feel answers the question that is a ten out

654
00:27:10,960 --> 00:27:13,840
Speaker 4: of ten. So we have a very spicy DM that

655
00:27:14,040 --> 00:27:17,080
Speaker 4: I'm excited to get two new opinions on, mister scree,

656
00:27:17,400 --> 00:27:20,800
Speaker 4: Are you ready to hear it? So here's the DM. Hi,

657
00:27:20,920 --> 00:27:23,840
Speaker 4: she's on the money team. Could I please get your advice.

658
00:27:24,200 --> 00:27:26,720
Speaker 4: I've been with my fiance for five years and we

659
00:27:26,760 --> 00:27:29,520
Speaker 4: are starting to talk about having a family. We both

660
00:27:29,520 --> 00:27:31,679
Speaker 4: earn one hundred and ten thousand dollars a year, but

661
00:27:31,840 --> 00:27:36,040
Speaker 4: I have less outgoings and also receive bonuses. My issue

662
00:27:36,080 --> 00:27:38,520
Speaker 4: is at current I do a majority of the cooking

663
00:27:38,640 --> 00:27:42,120
Speaker 4: the cleaning, the groceries, et cetera. But I also contribute

664
00:27:42,160 --> 00:27:43,160
Speaker 4: more financially.

665
00:27:43,640 --> 00:27:44,919
Speaker 2: I see where this is going.

666
00:27:45,080 --> 00:27:47,720
Speaker 4: We split rent fifty to fifty, but I often pay

667
00:27:47,720 --> 00:27:50,159
Speaker 4: for groceries, utilities, date nights. And when I bring it

668
00:27:50,240 --> 00:27:52,240
Speaker 4: up that I'm paying for a lot of our lifestyle,

669
00:27:52,280 --> 00:27:55,080
Speaker 4: my fiance doesn't agree and it becomes really awkward, so

670
00:27:55,119 --> 00:27:55,879
Speaker 4: I just drop it.

671
00:27:56,520 --> 00:27:57,280
Speaker 2: Now that he's.

672
00:27:57,119 --> 00:28:00,080
Speaker 4: Wanting to discuss planning for kids, I really want to

673
00:28:00,119 --> 00:28:02,440
Speaker 4: be firm that unless he can cover all of our

674
00:28:02,480 --> 00:28:05,680
Speaker 4: bills with his wage, I will not be having children.

675
00:28:06,080 --> 00:28:07,840
Speaker 4: I don't think it's fair that I do all of

676
00:28:07,880 --> 00:28:11,680
Speaker 4: the extra work and still contribute heavily to bills. He

677
00:28:11,760 --> 00:28:14,040
Speaker 4: says he is going to do as much childcare and

678
00:28:14,160 --> 00:28:16,960
Speaker 4: housework as me, but based on the last three years,

679
00:28:17,080 --> 00:28:18,119
Speaker 4: that just isn't true.

680
00:28:18,160 --> 00:28:22,520
Speaker 2: And I'm starting to feel resentful. Please send help.

681
00:28:23,320 --> 00:28:29,400
Speaker 5: I feel I don't know.

682
00:28:29,680 --> 00:28:29,880
Speaker 1: No.

683
00:28:30,080 --> 00:28:33,679
Speaker 4: I really want their opinions first, Jessica, because they're not say.

684
00:28:33,600 --> 00:28:36,120
Speaker 5: You guys, I'm ready. I think I'll start with.

685
00:28:37,880 --> 00:28:38,080
Speaker 3: Mean.

686
00:28:39,800 --> 00:28:40,720
Speaker 2: Yours is going to be mean?

687
00:28:40,800 --> 00:28:41,880
Speaker 6: Is it's most to be honest?

688
00:28:42,720 --> 00:28:44,040
Speaker 5: You're gonna have a blunt delivery.

689
00:28:44,120 --> 00:28:47,520
Speaker 3: No, I can't empathize with this situation that much because

690
00:28:47,560 --> 00:28:49,600
Speaker 3: I don't have a partner. I've never lived with a partner,

691
00:28:49,920 --> 00:28:52,560
Speaker 3: but I can imagine that would be very frustrating if

692
00:28:52,600 --> 00:28:56,360
Speaker 3: I was living with a man who wasn't really pulling

693
00:28:56,400 --> 00:29:00,400
Speaker 3: his weight and I was contributing more financially and just

694
00:29:00,440 --> 00:29:01,320
Speaker 3: to everything around.

695
00:29:01,360 --> 00:29:04,200
Speaker 5: I think we're going to have just a unanimous decision here.

696
00:29:04,800 --> 00:29:05,920
Speaker 2: I know where this is going.

697
00:29:06,160 --> 00:29:08,200
Speaker 3: Like, I think it's very fair to not want to

698
00:29:08,520 --> 00:29:12,000
Speaker 3: have children with someone who clearly isn't aligning with you

699
00:29:12,080 --> 00:29:12,840
Speaker 3: in that space.

700
00:29:13,280 --> 00:29:15,680
Speaker 5: And I just feel bad for her because that's.

701
00:29:15,560 --> 00:29:19,000
Speaker 3: Very frustrating, especially when she's trying to communicate that to him,

702
00:29:19,480 --> 00:29:21,440
Speaker 3: and it might be like talking to a bit of

703
00:29:21,440 --> 00:29:21,920
Speaker 3: a brick.

704
00:29:21,720 --> 00:29:22,280
Speaker 6: Wall, yep.

705
00:29:22,680 --> 00:29:24,480
Speaker 7: And she's saying that she doesn't want to have kids

706
00:29:24,480 --> 00:29:25,600
Speaker 7: with them if he don't want to do all these things,

707
00:29:25,600 --> 00:29:26,880
Speaker 7: but she already has a child.

708
00:29:28,920 --> 00:29:30,880
Speaker 6: Them Financially she's doing is cooking and cleaning, like she

709
00:29:30,920 --> 00:29:31,800
Speaker 6: already has a child.

710
00:29:32,440 --> 00:29:34,360
Speaker 7: Like if your partner is not stepping up now, he's

711
00:29:34,360 --> 00:29:36,080
Speaker 7: not going to step up then because it's harder than

712
00:29:36,360 --> 00:29:38,600
Speaker 7: you're going to be on less sleep. So it either

713
00:29:38,640 --> 00:29:41,080
Speaker 7: there needs to be something that gives like she can't

714
00:29:41,080 --> 00:29:42,360
Speaker 7: do everything, She's not wonder woman.

715
00:29:42,920 --> 00:29:45,240
Speaker 8: I think it depends on how important having children is

716
00:29:45,280 --> 00:29:48,080
Speaker 8: to as well, because if it's something that you're desperate for,

717
00:29:48,160 --> 00:29:49,760
Speaker 8: then it's it's not going to work. But if you're

718
00:29:49,800 --> 00:29:51,760
Speaker 8: kind of like, oh, like, I don't mind, like my

719
00:29:51,880 --> 00:29:55,640
Speaker 8: lifestyle now, I'm happy with it obviously, Like I think

720
00:29:55,680 --> 00:29:57,320
Speaker 8: that you should get to a place where you feel

721
00:29:57,320 --> 00:29:59,560
Speaker 8: satisfied with the amount that he's contributing. And I think

722
00:29:59,640 --> 00:30:02,719
Speaker 8: that we need to remember that the household chores are

723
00:30:02,800 --> 00:30:05,280
Speaker 8: a mental load. Being a stay at home parent or

724
00:30:05,320 --> 00:30:07,080
Speaker 8: a stay at home partner is a full time job

725
00:30:07,120 --> 00:30:09,120
Speaker 8: in and of itself. Running a household is a job.

726
00:30:09,720 --> 00:30:11,880
Speaker 8: If one person is doing all of that labor and

727
00:30:11,960 --> 00:30:14,800
Speaker 8: contributing more financially, that's a lot for anybody.

728
00:30:14,920 --> 00:30:16,520
Speaker 2: I think I would agree.

729
00:30:16,640 --> 00:30:19,520
Speaker 4: I feel like I have to play diplomat here though,

730
00:30:19,640 --> 00:30:21,280
Speaker 4: and put on the table that we need to have

731
00:30:21,320 --> 00:30:22,560
Speaker 4: some conversations about this.

732
00:30:22,960 --> 00:30:25,080
Speaker 5: So let's be honest to be a diplomatic.

733
00:30:25,320 --> 00:30:27,120
Speaker 4: Yeah, Like I mean, to me, it's a red flag

734
00:30:27,160 --> 00:30:28,680
Speaker 4: if you're saying I don't want to have kids with

735
00:30:28,720 --> 00:30:31,400
Speaker 4: this man, because I have been in that situation before,

736
00:30:31,520 --> 00:30:33,560
Speaker 4: not with my husband, because to be honest, I think

737
00:30:33,560 --> 00:30:35,760
Speaker 4: my husband is the best thing that's ever happened in you.

738
00:30:35,800 --> 00:30:37,360
Speaker 5: I don't have kids with your husband would be a

739
00:30:37,360 --> 00:30:37,880
Speaker 5: bit too late.

740
00:30:39,120 --> 00:30:41,880
Speaker 2: He is a bit too late, give me three months.

741
00:30:43,560 --> 00:30:46,000
Speaker 4: But it's one of those things where that was what

742
00:30:46,040 --> 00:30:48,120
Speaker 4: I was looking for in a partner. I was quite

743
00:30:48,200 --> 00:30:51,440
Speaker 4: clear that I wanted someone who was exactly on the

744
00:30:51,480 --> 00:30:54,160
Speaker 4: same page as me when it came to just life

745
00:30:54,360 --> 00:30:56,680
Speaker 4: and how you divide up tasks and what you do

746
00:30:56,840 --> 00:30:59,720
Speaker 4: and what that looks like. And I feel really grateful

747
00:30:59,720 --> 00:31:01,840
Speaker 4: for that. But that was very intentional. It's not an

748
00:31:01,880 --> 00:31:04,360
Speaker 4: accident that my husband is good at those things. I

749
00:31:04,400 --> 00:31:07,320
Speaker 4: didn't train him or anything like that. I just was

750
00:31:07,440 --> 00:31:10,520
Speaker 4: very attracted to somebody who was relatively self sufficient and

751
00:31:10,560 --> 00:31:14,800
Speaker 4: independent and had their stuff together. But I also think

752
00:31:14,960 --> 00:31:17,080
Speaker 4: if your partner's not seeing it the way you are,

753
00:31:17,160 --> 00:31:20,320
Speaker 4: we need to do a bit more investigating and go, okay, well,

754
00:31:20,440 --> 00:31:23,479
Speaker 4: let's not have an argument using words like Gabby, you

755
00:31:23,560 --> 00:31:27,560
Speaker 4: do this is actually really aggressive. Let's take those conversations

756
00:31:27,560 --> 00:31:29,600
Speaker 4: off the table and go, I just feel like this,

757
00:31:29,720 --> 00:31:31,560
Speaker 4: how can we explore that a bit more?

758
00:31:31,840 --> 00:31:32,680
Speaker 2: What would that mean?

759
00:31:32,800 --> 00:31:35,120
Speaker 4: Like you're saying that you're doing fifty to fifty. Why

760
00:31:35,240 --> 00:31:38,920
Speaker 4: do I feel that it's not because one thing that

761
00:31:39,000 --> 00:31:41,520
Speaker 4: I have learned, and this is not a good thing. Thankfully,

762
00:31:41,600 --> 00:31:44,360
Speaker 4: Steve and I don't argue too much, but I have

763
00:31:44,400 --> 00:31:47,080
Speaker 4: a very deep belief that you can argue your way

764
00:31:47,120 --> 00:31:47,720
Speaker 4: out of anything.

765
00:31:48,080 --> 00:31:50,280
Speaker 2: Except you can't tell me how I feel.

766
00:31:50,680 --> 00:31:52,600
Speaker 4: So the second I tell you how you feel, I

767
00:31:52,600 --> 00:31:54,400
Speaker 4: can't be like, oh, well, Jess, if you feel left

768
00:31:54,400 --> 00:31:55,440
Speaker 4: out by that, that's on you.

769
00:31:56,000 --> 00:31:57,320
Speaker 2: I'm gonna have to go, oh.

770
00:31:57,240 --> 00:32:00,280
Speaker 4: Actually, let's do a little bit of self reflection, if

771
00:32:00,320 --> 00:32:01,000
Speaker 4: that makes sense.

772
00:32:01,080 --> 00:32:04,320
Speaker 5: I love when you talk psychology to me. That's really good.

773
00:32:05,000 --> 00:32:07,400
Speaker 4: It's important though, So like, maybe we can sit down,

774
00:32:07,480 --> 00:32:09,720
Speaker 4: maybe we can do a budget. If you feel genuinely

775
00:32:09,720 --> 00:32:12,400
Speaker 4: that you're paying more, I'm sorry, but that's actually quite

776
00:32:12,440 --> 00:32:13,160
Speaker 4: black and white.

777
00:32:13,520 --> 00:32:14,920
Speaker 2: You could print it out and be like, well.

778
00:32:14,880 --> 00:32:17,560
Speaker 4: Let's do a budget. Let's actually look at this. What

779
00:32:17,720 --> 00:32:21,040
Speaker 4: does your shared finances look like? If you're saying you're

780
00:32:21,080 --> 00:32:23,480
Speaker 4: paying more but he's not, maybe there's not actually a

781
00:32:23,520 --> 00:32:25,400
Speaker 4: fair division. And if you're saying that this is a

782
00:32:25,400 --> 00:32:27,520
Speaker 4: man that you want to have kids with, maybe we

783
00:32:27,600 --> 00:32:29,360
Speaker 4: do need to talk about Okay, well, maybe we have

784
00:32:29,400 --> 00:32:31,600
Speaker 4: a shared account and you both transfer the same amount

785
00:32:31,640 --> 00:32:34,720
Speaker 4: to that shared account, still have completely separate finances, but

786
00:32:34,760 --> 00:32:37,080
Speaker 4: there's an agreed amount for bills and for groceries and

787
00:32:37,120 --> 00:32:38,479
Speaker 4: everything that's fifty to fifty.

788
00:32:38,760 --> 00:32:39,800
Speaker 2: Maybe that will make you.

789
00:32:39,760 --> 00:32:42,760
Speaker 4: Feel a little bit more in control. And then I

790
00:32:42,760 --> 00:32:45,160
Speaker 4: think we should also talk about the division of labor,

791
00:32:45,600 --> 00:32:48,640
Speaker 4: like if we're talking about who's vacuuming and who's washing up,

792
00:32:48,680 --> 00:32:49,040
Speaker 4: and what.

793
00:32:49,000 --> 00:32:52,400
Speaker 2: Does that actually look like. I know that sometimes I go,

794
00:32:52,560 --> 00:32:55,880
Speaker 2: oh my god, Jeeve never cleans the bathroom. It's the worst.

795
00:32:56,240 --> 00:32:59,440
Speaker 4: Gabby's laughing because she spends a very significant amount of

796
00:32:59,440 --> 00:33:03,280
Speaker 4: her time at mine house. That's me with tunnel vision,

797
00:33:03,640 --> 00:33:06,560
Speaker 4: because that's just a job that I have elected to do.

798
00:33:06,640 --> 00:33:10,360
Speaker 4: There's no division of labor. But Gabby Steve does everything else.

799
00:33:10,440 --> 00:33:13,400
Speaker 3: See there's a yes, very domestic goddesses.

800
00:33:14,600 --> 00:33:15,960
Speaker 6: He's a perfect heath husband.

801
00:33:16,160 --> 00:33:19,479
Speaker 3: I think it's so hard to like track those things.

802
00:33:19,600 --> 00:33:21,400
Speaker 3: Like you say, it's easy with the budgeting because you

803
00:33:21,440 --> 00:33:24,440
Speaker 3: can literally sit down and go ABCD, it's black and white.

804
00:33:24,480 --> 00:33:27,920
Speaker 3: But then with division of labor, it's like if someone

805
00:33:27,960 --> 00:33:30,840
Speaker 3: thinks that they're doing something, it's very hard to take

806
00:33:30,880 --> 00:33:31,520
Speaker 3: them out of that.

807
00:33:31,800 --> 00:33:34,160
Speaker 5: And like you say, you get tunnel vision.

808
00:33:34,320 --> 00:33:36,440
Speaker 4: Yeah, exactly, and you might have, and I'm not saying

809
00:33:36,440 --> 00:33:38,080
Speaker 4: you do it. I don't want to gaslight you into

810
00:33:38,080 --> 00:33:40,640
Speaker 4: thinking that you're the problem. You are absolutely not. But

811
00:33:40,680 --> 00:33:42,600
Speaker 4: like if I look at it and go we were

812
00:33:42,640 --> 00:33:45,480
Speaker 4: having a very isolated conversation and I go, oh, no,

813
00:33:45,560 --> 00:33:47,160
Speaker 4: Steve never cleans the bathroom.

814
00:33:48,040 --> 00:33:49,680
Speaker 2: That's kind of actually true.

815
00:33:50,320 --> 00:33:52,400
Speaker 4: Does that mean that he's a bad person when it

816
00:33:52,440 --> 00:33:55,160
Speaker 4: comes to division of labor? No, because everyone on my

817
00:33:55,200 --> 00:33:56,880
Speaker 4: team knows he does way more than me. I've never

818
00:33:57,040 --> 00:33:58,320
Speaker 4: taken out the bins.

819
00:33:58,560 --> 00:34:01,200
Speaker 2: I can't remember the last time I emptied the dishwasher.

820
00:34:01,720 --> 00:34:03,120
Speaker 5: I've even done those things at me.

821
00:34:05,680 --> 00:34:08,360
Speaker 4: All right, moving on, But I think it's one of

822
00:34:08,400 --> 00:34:11,040
Speaker 4: those things where you know, we'll sit down and have

823
00:34:11,120 --> 00:34:15,160
Speaker 4: a think. Like sometimes in relationships, there might be and

824
00:34:15,200 --> 00:34:17,440
Speaker 4: I don't ever want to call them boy and girl tasks,

825
00:34:17,440 --> 00:34:20,120
Speaker 4: but there might be tasks that he does that he's like, no,

826
00:34:20,239 --> 00:34:22,840
Speaker 4: I am, but you don't see them, and vice versa,

827
00:34:22,920 --> 00:34:25,160
Speaker 4: because if he's not seeing them and you're not seeing them,

828
00:34:25,200 --> 00:34:27,160
Speaker 4: maybe he doesn't see how much you're contributing.

829
00:34:27,600 --> 00:34:29,640
Speaker 2: Maybe he grew up in a household.

830
00:34:29,120 --> 00:34:32,080
Speaker 4: Where his mom did literally everything for him and it's

831
00:34:32,120 --> 00:34:34,279
Speaker 4: just something he didn't think about when it comes to

832
00:34:34,560 --> 00:34:37,160
Speaker 4: doing washing or finding his undies or you know.

833
00:34:37,280 --> 00:34:39,400
Speaker 2: Literally doing anything of that type.

834
00:34:39,440 --> 00:34:42,399
Speaker 4: So I think having a conversation about, Okay, what does

835
00:34:42,440 --> 00:34:45,200
Speaker 4: division of labor look like right now? Once we get

836
00:34:45,200 --> 00:34:48,240
Speaker 4: that solid, maybe we can talk about having kids, because

837
00:34:48,280 --> 00:34:50,719
Speaker 4: if after that you still don't want to have kids

838
00:34:50,760 --> 00:34:52,360
Speaker 4: with that man, that's a red flag.

839
00:34:53,800 --> 00:34:54,880
Speaker 5: You don't want to have kids.

840
00:34:55,040 --> 00:34:56,040
Speaker 2: Oh that's a different story.

841
00:34:56,120 --> 00:34:59,160
Speaker 4: Let's pray we're just assuming that she's in a position

842
00:34:59,200 --> 00:35:00,480
Speaker 4: where she does want to have a baby.

843
00:35:00,520 --> 00:35:02,239
Speaker 2: She just doesn't look at a baby with that man

844
00:35:02,320 --> 00:35:02,680
Speaker 2: right now.

845
00:35:03,480 --> 00:35:05,960
Speaker 5: I hate these dms when we're like we just need like.

846
00:35:08,120 --> 00:35:10,239
Speaker 2: Hey, I always want the contracts. I'm a bad Can I.

847
00:35:10,200 --> 00:35:11,080
Speaker 5: Call you get them on?

848
00:35:11,680 --> 00:35:13,640
Speaker 2: Give me your goss like I need it? Oh my god?

849
00:35:13,640 --> 00:35:15,560
Speaker 2: What else did he do? Does he cook dinner? What

850
00:35:15,600 --> 00:35:16,640
Speaker 2: does he cook? Can he cook?

851
00:35:16,840 --> 00:35:19,480
Speaker 5: It sounds like she does want to talk about kids.

852
00:35:19,520 --> 00:35:20,000
Speaker 8: She does.

853
00:35:20,200 --> 00:35:22,920
Speaker 5: It's so she like, like she said, she's starting to

854
00:35:22,960 --> 00:35:23,520
Speaker 5: resent him.

855
00:35:23,800 --> 00:35:25,799
Speaker 7: It's not equal, doesn't feel like equal playing field. So

856
00:35:25,800 --> 00:35:27,560
Speaker 7: she's just going to get another thing umped on her.

857
00:35:27,760 --> 00:35:30,719
Speaker 4: Yeah, and tell your partners, like if they're not contributing

858
00:35:30,840 --> 00:35:31,399
Speaker 4: enough tell them.

859
00:35:31,480 --> 00:35:35,759
Speaker 2: Victoria said, it's very sexy. It's very sexy. It's a

860
00:35:35,800 --> 00:35:37,520
Speaker 2: turn on for sure, turn out of ten.

861
00:35:37,600 --> 00:35:39,920
Speaker 4: All right, let's leave it there, because otherwise I will

862
00:35:39,960 --> 00:35:41,480
Speaker 4: gloat way too much about my husband.

863
00:35:41,560 --> 00:35:42,479
Speaker 2: We have a lot of New.

864
00:35:42,440 --> 00:35:46,759
Speaker 4: York to explore and spend money on. Magnolia Bakery. You

865
00:35:46,800 --> 00:35:47,680
Speaker 4: better watch out.

866
00:35:48,560 --> 00:35:51,840
Speaker 2: Thank you for joining us, Gabs and Brooks for having us.

867
00:35:55,000 --> 00:35:57,520
Speaker 2: We're going to do another episode next week. Jess, Where

868
00:35:57,680 --> 00:35:58,480
Speaker 2: from you?

869
00:35:58,640 --> 00:35:59,160
Speaker 5: Orleans?

870
00:36:00,120 --> 00:36:00,440
Speaker 9: All right?

871
00:36:00,480 --> 00:36:01,000
Speaker 2: See you, lady.

872
00:36:01,040 --> 00:36:04,120
Speaker 4: Guys, have the best weekend, and we'll see you on Monday, bright.

873
00:36:03,880 --> 00:36:05,320
Speaker 2: And early for a money diaries.

874
00:36:05,480 --> 00:36:06,400
Speaker 5: Bye bye.

875
00:36:06,719 --> 00:36:14,759
Speaker 7: She's on the Money, She's on the money.

876
00:36:17,120 --> 00:36:19,680
Speaker 10: The advice shared on She's on the Money is general

877
00:36:19,719 --> 00:36:23,600
Speaker 10: in nature and does not consider your individual circumstances. She's

878
00:36:23,600 --> 00:36:27,080
Speaker 10: on the Money exists purely for educational purposes and should

879
00:36:27,120 --> 00:36:30,280
Speaker 10: not be relied upon to make an investment or financial decision.

880
00:36:30,680 --> 00:36:33,120
Speaker 10: If you do choose to buy a financial product, read

881
00:36:33,120 --> 00:36:36,480
Speaker 10: the PDS TMD and obtain appropriate financial.

882
00:36:36,040 --> 00:36:37,840
Speaker 2: Advice tailored towards your needs.

883
00:36:38,200 --> 00:36:42,160
Speaker 10: Victoria, Divine and She's on the Money are authorized representatives

884
00:36:42,200 --> 00:36:46,040
Speaker 10: of money. Sheper pty ltd ABN three two one is

885
00:36:46,080 --> 00:36:49,960
Speaker 10: six four nine two seven seven zero eight AFSL four

886
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Speaker 10: five one two eight nine