1 00:00:02,440 --> 00:00:07,840 Speaker 1: Get A. I'm Laala Berry, nutritionist, author, actor, TV presenter 2 00:00:08,080 --> 00:00:14,080 Speaker 1: and professional oversharer. This podcast is all about celebrating failure 3 00:00:14,600 --> 00:00:17,200 Speaker 1: because I believe it's a chance for us to learn, 4 00:00:17,800 --> 00:00:22,160 Speaker 1: grow and face our blind spots. Each week I'll interview 5 00:00:22,239 --> 00:00:26,160 Speaker 1: a different guest about their highs as well as their lows, 6 00:00:26,200 --> 00:00:29,800 Speaker 1: all in a bid to inspire us to fearlessly fail. 7 00:00:34,240 --> 00:00:37,600 Speaker 1: Get A. Welcome to the pod. Today we have a 8 00:00:37,760 --> 00:00:42,320 Speaker 1: financial guru, Victoria Divine. She is the creator of the 9 00:00:42,479 --> 00:00:45,760 Speaker 1: number one finance pod in Australia and New Zealand. She's 10 00:00:45,800 --> 00:00:49,760 Speaker 1: on the Money also two time author. Now this human 11 00:00:50,120 --> 00:00:53,000 Speaker 1: is full of knowledge, but in a really easy to 12 00:00:53,080 --> 00:00:56,720 Speaker 1: understand way, So get your notepads out obviously not if 13 00:00:56,720 --> 00:00:59,120 Speaker 1: you're driving, but takes some notes. I think this is 14 00:00:59,120 --> 00:01:00,840 Speaker 1: going to be one of those epic so where you're like, 15 00:01:00,920 --> 00:01:02,520 Speaker 1: oh my goodness, yeah I want to learn more about 16 00:01:02,560 --> 00:01:05,320 Speaker 1: my super or oh yeah, I'm gonna use that saving hack. 17 00:01:05,440 --> 00:01:08,520 Speaker 1: So strap on in. You're gonna learn loads And thank 18 00:01:08,560 --> 00:01:15,039 Speaker 1: you Victoria. This was a hoot, mate, Victoria Divine. Also, 19 00:01:15,120 --> 00:01:15,720 Speaker 1: what a name. 20 00:01:16,360 --> 00:01:18,160 Speaker 2: It sounds like I'm some kind of showgirl, but I 21 00:01:18,200 --> 00:01:20,000 Speaker 2: promise it's my actual born name. 22 00:01:20,120 --> 00:01:24,240 Speaker 1: It's a very good name. She's on the money, huge family. 23 00:01:24,240 --> 00:01:26,240 Speaker 1: Your pod also two time author. 24 00:01:26,520 --> 00:01:29,440 Speaker 2: Yeah now as of the twentieth of September, two time author, 25 00:01:29,480 --> 00:01:33,399 Speaker 2: which is terrifying. Hey, I mean looking at you like 26 00:01:33,520 --> 00:01:35,520 Speaker 2: two times, you're like, oh, she's a babyfish. 27 00:01:35,560 --> 00:01:38,160 Speaker 1: Still no no, no, no, no, no, do not do that. 28 00:01:38,200 --> 00:01:41,400 Speaker 1: You are phenomenal. You' are phenomenal. So when I started 29 00:01:41,400 --> 00:01:45,160 Speaker 1: researching you, I was like, because I've always so not 30 00:01:45,200 --> 00:01:46,600 Speaker 1: to get straight into money story. 31 00:01:46,440 --> 00:01:48,320 Speaker 2: Now we can get straight into money story. It's my 32 00:01:48,320 --> 00:01:50,560 Speaker 2: favorite thing to do literally in the entire world. If 33 00:01:50,560 --> 00:01:51,120 Speaker 2: you're open to. 34 00:01:51,120 --> 00:01:53,040 Speaker 1: It, Oh, I've mate signed me up some of it. 35 00:01:53,040 --> 00:01:56,240 Speaker 1: As soon as I started listening to your So basically 36 00:01:56,280 --> 00:01:58,080 Speaker 1: what I did was I watched heaps of interviewes and 37 00:01:58,080 --> 00:01:59,800 Speaker 1: listen to heaps interviews where people were talking to you 38 00:02:00,200 --> 00:02:02,760 Speaker 1: your story and everything you've created, and the way. 39 00:02:02,640 --> 00:02:04,960 Speaker 2: That you're more about me than I know about me. 40 00:02:05,120 --> 00:02:08,600 Speaker 1: Great, hopefully fingers crossed. But then when I started really 41 00:02:08,639 --> 00:02:13,240 Speaker 1: deep diving your pod, I was like, hang on, how 42 00:02:13,320 --> 00:02:15,360 Speaker 1: much is in my super Oh my god, hang on, 43 00:02:15,440 --> 00:02:17,520 Speaker 1: what have I done with it? Like? And I started 44 00:02:17,520 --> 00:02:20,200 Speaker 1: because I've never feared money ever, I've never had a 45 00:02:20,240 --> 00:02:23,880 Speaker 1: fear around it. That is good though, right, I didn't 46 00:02:23,919 --> 00:02:26,200 Speaker 1: know that. It was like I forget I'm in this week, 47 00:02:26,240 --> 00:02:29,799 Speaker 1: I'm this is a thing. I live like an actor, 48 00:02:30,000 --> 00:02:32,000 Speaker 1: very creative. You get a big hunker money and then 49 00:02:32,040 --> 00:02:34,200 Speaker 1: you know you might not see money again for three months, 50 00:02:34,720 --> 00:02:36,640 Speaker 1: so you look after that money and you kind of 51 00:02:36,680 --> 00:02:40,120 Speaker 1: spend it wisely, and so it's really weird. I've always 52 00:02:40,160 --> 00:02:41,080 Speaker 1: that's not like an actor. 53 00:02:41,120 --> 00:02:45,760 Speaker 2: My love most is just blow that they do. 54 00:02:46,120 --> 00:02:47,960 Speaker 1: Maybe it's like the A type personality. 55 00:02:48,080 --> 00:02:50,079 Speaker 2: Maybe you're just really smart with your money. Maybe you 56 00:02:50,120 --> 00:02:51,519 Speaker 2: should be running this show mate. 57 00:02:51,520 --> 00:02:55,840 Speaker 1: You're giving me way too much credit here. So I 58 00:02:55,880 --> 00:02:58,080 Speaker 1: want to cover so many things with you. I don't 59 00:02:58,120 --> 00:03:01,480 Speaker 1: even know where to start. But can we humanize you 60 00:03:01,560 --> 00:03:02,639 Speaker 1: just a little pinch here? 61 00:03:02,800 --> 00:03:03,920 Speaker 2: Oh? Absolutely not. 62 00:03:04,800 --> 00:03:07,960 Speaker 1: I love that you've admitted to when you were younger, 63 00:03:08,600 --> 00:03:10,079 Speaker 1: kind of like taking out a loan where you were 64 00:03:10,120 --> 00:03:12,680 Speaker 1: like m probably if I look back, Oh, if I 65 00:03:12,720 --> 00:03:14,080 Speaker 1: look back, I would not have done that. 66 00:03:14,120 --> 00:03:16,520 Speaker 2: I was doing an interview this morning actually because we're 67 00:03:16,520 --> 00:03:19,520 Speaker 2: currently doing the PR rounds because my book's came out, 68 00:03:19,760 --> 00:03:22,440 Speaker 2: and I was talking to a radio station about debt 69 00:03:22,440 --> 00:03:24,239 Speaker 2: and they're like, oh, but what would you know about debt? 70 00:03:24,320 --> 00:03:26,720 Speaker 2: Like you're a financial advisor, and I was, like, I 71 00:03:26,800 --> 00:03:30,440 Speaker 2: had a forty thousand dollars personal loan. I don't even 72 00:03:30,480 --> 00:03:32,440 Speaker 2: know how someone thought that was a good idea to 73 00:03:32,480 --> 00:03:34,800 Speaker 2: give to a twenty two year old, but they did, 74 00:03:35,480 --> 00:03:37,640 Speaker 2: and it was one of the most crippling things in 75 00:03:37,680 --> 00:03:40,560 Speaker 2: the entire world. So when I say I know my audience, like, 76 00:03:40,680 --> 00:03:43,200 Speaker 2: I know you, guys, because I am you, and I've 77 00:03:43,280 --> 00:03:46,280 Speaker 2: arguably made even worse mistakes than you. But now we're here. 78 00:03:47,000 --> 00:03:49,520 Speaker 1: But I love that, and I think that that's where 79 00:03:50,040 --> 00:03:53,240 Speaker 1: some of your real passion comes from, because you're like, guys, 80 00:03:53,320 --> 00:03:56,400 Speaker 1: I've walked in these shoes. I know what it feels like. 81 00:03:57,080 --> 00:03:58,800 Speaker 1: So Okay, there are so many things I want to 82 00:03:58,800 --> 00:04:01,480 Speaker 1: talk about. We're just going to so you should know 83 00:04:01,600 --> 00:04:03,720 Speaker 1: as well. I'm going to preface this. My brain is 84 00:04:03,760 --> 00:04:05,800 Speaker 1: like a pinball machine, so I'll be like, let's talk 85 00:04:05,800 --> 00:04:07,840 Speaker 1: about this, let's talk about this. I love it, Let's 86 00:04:07,880 --> 00:04:10,560 Speaker 1: do it. Can we start? You have just arrived fresh 87 00:04:10,560 --> 00:04:12,680 Speaker 1: off the plane for America. I have some of you, 88 00:04:12,760 --> 00:04:15,600 Speaker 1: though I love it. I live half this. I love 89 00:04:15,720 --> 00:04:21,040 Speaker 1: love America, but it especially where I live in Los Angeles. 90 00:04:21,240 --> 00:04:23,919 Speaker 1: They call it United States of Cash, right, because it 91 00:04:23,960 --> 00:04:27,839 Speaker 1: costs a lot of money to live. 92 00:04:28,240 --> 00:04:30,560 Speaker 2: I actually was shocked while I was there. I wasn't 93 00:04:30,600 --> 00:04:32,680 Speaker 2: there for a long period of time, but just how 94 00:04:32,720 --> 00:04:36,760 Speaker 2: expensive things were. Like I blew up in Australia recently, 95 00:04:36,880 --> 00:04:39,640 Speaker 2: semi recently over I don't know if you saw it 96 00:04:39,680 --> 00:04:41,919 Speaker 2: made the daily mail, so it must have been big 97 00:04:42,200 --> 00:04:45,240 Speaker 2: about how much a coffee cost in my local. 98 00:04:45,000 --> 00:04:45,840 Speaker 1: Suburb, right. 99 00:04:45,920 --> 00:04:47,400 Speaker 2: And I got to America and I was like, what 100 00:04:47,440 --> 00:04:49,200 Speaker 2: do you mean? What do you mean? I was like 101 00:04:49,240 --> 00:04:52,400 Speaker 2: paying ten bucks at Starbucks for a coffee and ten 102 00:04:52,440 --> 00:04:55,440 Speaker 2: Bucks us what insane? 103 00:04:55,520 --> 00:04:59,200 Speaker 1: Like how do you guys survive? And you and I, well, 104 00:04:59,200 --> 00:05:01,359 Speaker 1: I'm originally from Melbourne as well. I know you're a 105 00:05:01,400 --> 00:05:04,200 Speaker 1: tazzy originally, but Melbournians no coffee. 106 00:05:03,920 --> 00:05:05,480 Speaker 2: Right, yeah, what we think we do. 107 00:05:05,839 --> 00:05:09,040 Speaker 1: But if you go to say La or anyone in 108 00:05:09,040 --> 00:05:11,200 Speaker 1: America and you're like you find a specialty coffee shop 109 00:05:11,200 --> 00:05:14,080 Speaker 1: that can cost you close to twelve dollars fifty. 110 00:05:13,800 --> 00:05:17,240 Speaker 2: You will insane. I'm just talking about Starbucks and like Starbucks, 111 00:05:17,279 --> 00:05:19,200 Speaker 2: let's be honest. I hope you're not looking for a 112 00:05:19,200 --> 00:05:22,480 Speaker 2: sponsorship with Starbucks, but like their coffee is not that 113 00:05:22,600 --> 00:05:23,040 Speaker 2: it's great. 114 00:05:23,320 --> 00:05:25,760 Speaker 1: It's the standard run of the meal. But every American 115 00:05:25,880 --> 00:05:26,359 Speaker 1: a lot of it. 116 00:05:26,400 --> 00:05:30,400 Speaker 2: Every American loves it. But as a Melbournian, just not 117 00:05:30,480 --> 00:05:30,920 Speaker 2: my vibe. 118 00:05:31,000 --> 00:05:33,400 Speaker 1: Can I say one thing that is great as to Bucks, though, 119 00:05:33,760 --> 00:05:36,240 Speaker 1: the pumpkin spice latte that comes out of the fall 120 00:05:36,400 --> 00:05:38,800 Speaker 1: had one you would have just missed out. Maybe no, no, no, 121 00:05:38,880 --> 00:05:39,320 Speaker 1: they had. 122 00:05:39,680 --> 00:05:42,160 Speaker 2: But the pumpkin spice latte had dairy in it, and 123 00:05:42,279 --> 00:05:43,720 Speaker 2: I'm dairy free, and so. 124 00:05:43,680 --> 00:05:44,440 Speaker 1: I was a bit salty. 125 00:05:44,520 --> 00:05:46,120 Speaker 2: But you know what I did fall in love with, 126 00:05:46,320 --> 00:05:49,040 Speaker 2: which is probably really bad for me, is that strawberry 127 00:05:49,080 --> 00:05:50,040 Speaker 2: or SII refresher. 128 00:05:50,160 --> 00:05:53,240 Speaker 1: Oh I've said aunt, it's real sweet, right, it was 129 00:05:53,600 --> 00:05:54,520 Speaker 1: semi sweet? 130 00:05:54,800 --> 00:05:59,080 Speaker 2: Yeah, But like I'm just I downloaded, Sorry, I downloaded. 131 00:05:59,320 --> 00:06:01,880 Speaker 2: I drank so many of them while I was there. 132 00:06:02,360 --> 00:06:04,080 Speaker 2: Ten out of ten would recommend heat. 133 00:06:04,120 --> 00:06:06,120 Speaker 1: I've never tried one, but I know exactly what you're 134 00:06:06,120 --> 00:06:08,320 Speaker 1: talking about. I've seen them, and i've seen them. 135 00:06:08,720 --> 00:06:11,760 Speaker 2: Okay, you taste taste, I'm like they've got little bits 136 00:06:11,760 --> 00:06:13,080 Speaker 2: of freeze dried strawberry in it. 137 00:06:13,120 --> 00:06:15,240 Speaker 1: Ten out of ten. So but this is what I 138 00:06:15,240 --> 00:06:18,400 Speaker 1: want to talk to you about, because you have some 139 00:06:18,440 --> 00:06:21,560 Speaker 1: really good travel saving hacks. And I even noticed when 140 00:06:21,560 --> 00:06:24,400 Speaker 1: I was watching and soaking up your daily Insta stories 141 00:06:24,400 --> 00:06:26,560 Speaker 1: because we're on different times, it's like what she doing. 142 00:06:26,920 --> 00:06:29,479 Speaker 1: But things like in the hotel room, I noticed that 143 00:06:29,520 --> 00:06:31,840 Speaker 1: you would have your oat milk in the frieze. 144 00:06:32,000 --> 00:06:34,720 Speaker 2: Yes, I'm so lame. I'm a creature. I have it 145 00:06:34,800 --> 00:06:38,200 Speaker 2: though too, Like I'm not. I'm not the type of 146 00:06:38,200 --> 00:06:41,440 Speaker 2: person that has ever made use of the breakfast buffe 147 00:06:41,560 --> 00:06:44,400 Speaker 2: at a hotel, Like it sounds really sexy, right, You're 148 00:06:44,440 --> 00:06:47,240 Speaker 2: like the buffet, Oh my gosh, if I go down, 149 00:06:47,400 --> 00:06:49,880 Speaker 2: I'll go get I get analysis paralysis. There are too 150 00:06:49,960 --> 00:06:53,520 Speaker 2: many options. I will pick a tiny bowl of cereal 151 00:06:53,720 --> 00:06:55,919 Speaker 2: that I've probably never eaten before in my life and 152 00:06:55,960 --> 00:06:58,600 Speaker 2: I didn't enjoy. I'll go get one bit of toast, 153 00:06:58,839 --> 00:07:01,679 Speaker 2: maybe a few bits of the fruit from that's fruit selection. 154 00:07:02,040 --> 00:07:04,359 Speaker 2: And then it's forty five dollars at a minimum. 155 00:07:04,440 --> 00:07:08,040 Speaker 1: And I'm like, well what for when you go duck down? Exactly? 156 00:07:08,320 --> 00:07:11,440 Speaker 2: So yes, And also I just really wanted to experience 157 00:07:11,440 --> 00:07:14,320 Speaker 2: a Walmart while I was in the US. So went 158 00:07:14,360 --> 00:07:17,800 Speaker 2: into Walmart, got my milk, got my cereal, got a 159 00:07:17,800 --> 00:07:20,320 Speaker 2: few different American cereals, like I'm not saying I was 160 00:07:20,320 --> 00:07:22,600 Speaker 2: eating well, but we were eating. 161 00:07:22,840 --> 00:07:24,880 Speaker 1: But you also got the creamers, the non dairy creamers 162 00:07:24,920 --> 00:07:25,640 Speaker 1: hag go, and. 163 00:07:25,520 --> 00:07:28,440 Speaker 2: We can't get those in Australia. I also looked into 164 00:07:28,480 --> 00:07:30,160 Speaker 2: them while I was there. I was like, are these 165 00:07:30,200 --> 00:07:32,600 Speaker 2: just in the fridge because they're just stored there. No, 166 00:07:32,840 --> 00:07:34,760 Speaker 2: they have to be. They actually have to stay in 167 00:07:34,800 --> 00:07:37,080 Speaker 2: the fridge. So I couldn't bring any home. But don't 168 00:07:37,080 --> 00:07:40,320 Speaker 2: put it past me. Would have tried it. Yeah, good on, Yeah, 169 00:07:40,480 --> 00:07:41,000 Speaker 2: good on you. 170 00:07:41,200 --> 00:07:44,080 Speaker 1: So okay, So travel hacks though, like little things like 171 00:07:44,120 --> 00:07:46,680 Speaker 1: the buffet ps. I got food poisoning once at a buffet, 172 00:07:46,680 --> 00:07:49,480 Speaker 1: so I can never again have a buffet. So you 173 00:07:49,560 --> 00:07:50,920 Speaker 1: probably are already. 174 00:07:51,200 --> 00:07:53,040 Speaker 2: I'm one step for heading back. I'm not going to 175 00:07:53,120 --> 00:07:53,720 Speaker 2: go there. 176 00:07:53,880 --> 00:07:58,000 Speaker 1: Out of spite. So what are some other goods? Another 177 00:07:58,000 --> 00:08:00,480 Speaker 1: thing that like sometimes older depending on how I'm going 178 00:08:00,520 --> 00:08:03,640 Speaker 1: to spend America, Like, oh, really take notice of travel 179 00:08:03,680 --> 00:08:05,240 Speaker 1: insurance and the different costs. 180 00:08:05,480 --> 00:08:08,000 Speaker 2: Yeah, travel insurance is a really big one. I think 181 00:08:08,040 --> 00:08:09,880 Speaker 2: for me, that's one of the things that I wouldn't 182 00:08:09,880 --> 00:08:12,040 Speaker 2: skimp on, just because I want to make sure that 183 00:08:12,160 --> 00:08:15,240 Speaker 2: I am covered, especially going to the US, like their 184 00:08:15,280 --> 00:08:19,960 Speaker 2: healthcare system has nothing on ours here in Australia, and 185 00:08:20,040 --> 00:08:22,480 Speaker 2: from my perspective, that's one of those costs that you're like, 186 00:08:22,560 --> 00:08:24,880 Speaker 2: you know what, it is important to get a good deal, 187 00:08:24,920 --> 00:08:27,080 Speaker 2: but it's also important to make sure it has all 188 00:08:27,160 --> 00:08:31,200 Speaker 2: of the coverage points that you actually want. But when 189 00:08:31,240 --> 00:08:33,880 Speaker 2: it comes to saving money, food is a really easy one, 190 00:08:34,120 --> 00:08:38,240 Speaker 2: so easy. I travel and enjoy very good food, but 191 00:08:38,320 --> 00:08:40,920 Speaker 2: it's always like one meal a day that I really 192 00:08:41,040 --> 00:08:43,160 Speaker 2: enjoy and the rest of them I kind of pre plan. 193 00:08:43,720 --> 00:08:46,760 Speaker 2: Breakfast is fuel from my perspective, we can eat it 194 00:08:46,800 --> 00:08:48,680 Speaker 2: in the hotel room. I can then go out for 195 00:08:48,720 --> 00:08:51,760 Speaker 2: a coffee and enjoy that, and it literally cuts down 196 00:08:51,800 --> 00:08:55,960 Speaker 2: cost so significantly, and especially if you're traveling places like 197 00:08:56,040 --> 00:08:59,440 Speaker 2: the US. Right, I was so excited, Well, yeah, tipping, 198 00:08:59,480 --> 00:09:01,800 Speaker 2: but I was just so excited to try cereals I 199 00:09:01,840 --> 00:09:04,640 Speaker 2: hadn't had before, so I didn't think I was missing out. 200 00:09:05,080 --> 00:09:07,079 Speaker 2: I just thought it was a really fun time I. 201 00:09:07,080 --> 00:09:09,760 Speaker 1: Have a good cereal. Rage it's not good for you. 202 00:09:09,840 --> 00:09:12,760 Speaker 2: I feel like I just had this sugar high every 203 00:09:12,800 --> 00:09:16,560 Speaker 2: single morning and then this massive sugar crash. So don't 204 00:09:16,600 --> 00:09:20,600 Speaker 2: recommend that. But taking your own snacks places as well, 205 00:09:20,720 --> 00:09:23,360 Speaker 2: like it's not too hard to find a good musleibar 206 00:09:23,520 --> 00:09:25,640 Speaker 2: and a piece of fruit to chuck in your handbag, 207 00:09:25,880 --> 00:09:27,640 Speaker 2: so that when you go to a theme park or 208 00:09:27,679 --> 00:09:30,960 Speaker 2: when you're out and about, you're not spending big on 209 00:09:31,120 --> 00:09:33,480 Speaker 2: things that actually just drain your bank account for no 210 00:09:33,559 --> 00:09:34,000 Speaker 2: good reason. 211 00:09:34,040 --> 00:09:35,840 Speaker 1: Yeah, don't even taste that goody all the time. 212 00:09:35,880 --> 00:09:38,400 Speaker 2: And don't get me wrong, like I'm good at spending money, 213 00:09:38,600 --> 00:09:40,320 Speaker 2: but I also want to spend it on the things 214 00:09:40,360 --> 00:09:43,160 Speaker 2: that spark joy and the things that make me really happy. 215 00:09:43,679 --> 00:09:46,040 Speaker 2: And the snacks at a theme park it'snorting. 216 00:09:46,080 --> 00:09:50,280 Speaker 1: Thanks, it's not it. I liked your hack about timing 217 00:09:50,320 --> 00:09:53,000 Speaker 1: it so that it's not school holidays. Yeah, also a 218 00:09:53,120 --> 00:09:53,760 Speaker 1: very good one. 219 00:09:53,840 --> 00:09:56,440 Speaker 2: So much very self serving though too, because I actually 220 00:09:56,480 --> 00:09:58,240 Speaker 2: don't want to be at a theme park when it's 221 00:09:58,240 --> 00:10:00,119 Speaker 2: full of small children that are screaming. 222 00:10:00,200 --> 00:10:02,440 Speaker 1: I just think that's a really smart idea. But even 223 00:10:02,440 --> 00:10:04,880 Speaker 1: with flights, like it's the Grand Final soon in Melbourne 224 00:10:04,880 --> 00:10:07,840 Speaker 1: and I noticed the flights around, I'm going to time 225 00:10:07,880 --> 00:10:10,000 Speaker 1: in this so that I'm not in Melbourne around Grand 226 00:10:10,080 --> 00:10:10,840 Speaker 1: Final weekends. 227 00:10:11,000 --> 00:10:14,240 Speaker 2: Smart because accommodation is going to be more expensive. It's 228 00:10:14,240 --> 00:10:16,080 Speaker 2: one of those things I was talking to a friend 229 00:10:16,120 --> 00:10:18,320 Speaker 2: a couple of years ago, this is pre COVID, and 230 00:10:18,360 --> 00:10:20,800 Speaker 2: she was flying down from Brisbane and she was like, 231 00:10:20,840 --> 00:10:23,360 Speaker 2: I don't get it, Like why is Melbourne so expensive? 232 00:10:23,760 --> 00:10:26,160 Speaker 2: The Grand Prix was on, so it made sense that 233 00:10:26,200 --> 00:10:28,920 Speaker 2: it was expensive, And because she was coming down just 234 00:10:28,960 --> 00:10:30,560 Speaker 2: to visit and have a chat, I was like, well, 235 00:10:30,559 --> 00:10:33,040 Speaker 2: why don't we just push it back another weekend and 236 00:10:33,080 --> 00:10:34,960 Speaker 2: you come at a time when there's not a public 237 00:10:34,960 --> 00:10:35,480 Speaker 2: event and. 238 00:10:35,520 --> 00:10:37,800 Speaker 1: Save like five hundred bucks exactly. 239 00:10:37,480 --> 00:10:40,200 Speaker 2: At a minimum. Right, So I think it's important to 240 00:10:40,800 --> 00:10:44,040 Speaker 2: if you're going somewhere, not only no your school holidays, 241 00:10:44,040 --> 00:10:47,280 Speaker 2: but the school holidays in the surrounding area, because if 242 00:10:47,280 --> 00:10:49,600 Speaker 2: it was school holidays in Florida, every man and his 243 00:10:49,679 --> 00:10:50,920 Speaker 2: dog would have been at Disneyland. 244 00:10:51,200 --> 00:10:54,280 Speaker 1: Yeah. Yeah, I love I love these hacks so much. 245 00:10:55,200 --> 00:10:57,320 Speaker 1: This is when you said yes to the pot. I 246 00:10:57,360 --> 00:10:59,720 Speaker 1: was like, secretly, I was like, oh, yes, this is great. 247 00:11:00,559 --> 00:11:02,360 Speaker 1: Pread for the audience and listen of it. 248 00:11:02,400 --> 00:11:05,440 Speaker 2: Great. So so far we've got eat American cereal and 249 00:11:05,559 --> 00:11:07,040 Speaker 2: take your own snacks to Disneyland. 250 00:11:07,160 --> 00:11:11,720 Speaker 1: How helpful. No, Now you touched on something and I 251 00:11:11,760 --> 00:11:14,240 Speaker 1: absolutely loved it, and it made me really sit and 252 00:11:14,280 --> 00:11:16,839 Speaker 1: look at my own spending and I've heard you talk 253 00:11:16,880 --> 00:11:20,440 Speaker 1: about spending money on your value system and that aligning. 254 00:11:20,480 --> 00:11:22,199 Speaker 1: Can you share a little bit about what you mean. 255 00:11:22,400 --> 00:11:25,360 Speaker 2: So it's interesting, especially in twenty twenty two with the 256 00:11:25,400 --> 00:11:28,680 Speaker 2: prevalence of social media, like we just see other people 257 00:11:28,720 --> 00:11:30,960 Speaker 2: spending on things that we think we should be spending on. 258 00:11:31,280 --> 00:11:34,440 Speaker 2: Cough the strawberry Asia refresher that I saw everyone on 259 00:11:34,520 --> 00:11:37,200 Speaker 2: Instagram with that. I then was like, all right, well 260 00:11:37,280 --> 00:11:40,160 Speaker 2: I will try that really low entry point cost me 261 00:11:40,200 --> 00:11:43,440 Speaker 2: about seven or eight dollars US. But at the same time, 262 00:11:43,880 --> 00:11:46,800 Speaker 2: that can be extrapolated out to bigger things. So we 263 00:11:46,920 --> 00:11:49,719 Speaker 2: need to actually look at our own value systems and go, well, 264 00:11:49,760 --> 00:11:52,040 Speaker 2: do I actually want to own property? Do I actually 265 00:11:52,120 --> 00:11:53,800 Speaker 2: want to own a car? Do I want to be 266 00:11:53,880 --> 00:11:57,400 Speaker 2: spending money in this particular way? Or am I just 267 00:11:57,480 --> 00:11:59,760 Speaker 2: assuming that I should be doing this because every man 268 00:11:59,800 --> 00:12:01,160 Speaker 2: in dog in my life is. 269 00:12:01,600 --> 00:12:03,080 Speaker 1: So I think it's really. 270 00:12:02,800 --> 00:12:05,200 Speaker 2: Important to go back to your own personal values and 271 00:12:05,240 --> 00:12:08,040 Speaker 2: spend in line with those because at the end of 272 00:12:08,080 --> 00:12:10,000 Speaker 2: the day, that's creating the life that you want and 273 00:12:10,040 --> 00:12:12,480 Speaker 2: you deserve instead of just creating the life that everyone 274 00:12:12,520 --> 00:12:13,360 Speaker 2: expects you to live. 275 00:12:14,120 --> 00:12:16,880 Speaker 1: Totally and also like coming out of this is probably 276 00:12:16,880 --> 00:12:19,520 Speaker 1: reverse engineering it. But I thought, oh, I'm going to 277 00:12:19,559 --> 00:12:20,800 Speaker 1: go over my bank statements. 278 00:12:21,240 --> 00:12:24,880 Speaker 2: Oh, the sexiest thing you can do. Honestly, there is 279 00:12:24,920 --> 00:12:26,880 Speaker 2: nothing sexier than a woman. That's like, guess what I 280 00:12:26,880 --> 00:12:29,240 Speaker 2: did on the weekend. I did a bank account audit. 281 00:12:29,559 --> 00:12:32,760 Speaker 1: It was wild, but it is really true. Like I 282 00:12:32,880 --> 00:12:34,800 Speaker 1: noticed in LA what I was spending my money, and 283 00:12:34,800 --> 00:12:36,319 Speaker 1: it was my yoga membership and it was a green 284 00:12:36,400 --> 00:12:40,760 Speaker 1: juice every day. Yeah, and that is so expensive, so expensive. 285 00:12:40,840 --> 00:12:43,320 Speaker 2: But if that's something that you wouldore and you're like, no, 286 00:12:43,440 --> 00:12:45,640 Speaker 2: these are my non negotiables to live my best life. 287 00:12:45,720 --> 00:12:47,200 Speaker 2: I'm not going to argue with you. I'm not going 288 00:12:47,240 --> 00:12:49,120 Speaker 2: to tell you that's the wrong thing. But if you 289 00:12:49,120 --> 00:12:51,920 Speaker 2: were like, oh, I go to yoga. But if you're like, oh, 290 00:12:51,960 --> 00:12:54,079 Speaker 2: I have this yoga membership, I don't really use it. 291 00:12:54,160 --> 00:12:56,520 Speaker 2: And every time I go to the cafe with my girlfriend, 292 00:12:56,559 --> 00:12:58,440 Speaker 2: she gets a juice and so I get a juice too, 293 00:12:58,480 --> 00:13:00,600 Speaker 2: but I don't really like it. I'd be like, babe, 294 00:13:00,679 --> 00:13:04,000 Speaker 2: like you're wasting money, Like that is not worth it 295 00:13:04,320 --> 00:13:07,000 Speaker 2: because that's not in line with your values. And I 296 00:13:07,000 --> 00:13:09,360 Speaker 2: think that that's the funny thing, right, Like you could 297 00:13:09,440 --> 00:13:11,760 Speaker 2: go through my bank statements and you'd be like, Victoria, 298 00:13:11,840 --> 00:13:14,160 Speaker 2: what are you spending this on? That's a waste of money. 299 00:13:14,679 --> 00:13:18,040 Speaker 2: But I think laying that judgment on other people is 300 00:13:18,080 --> 00:13:20,520 Speaker 2: not our position. Like I can't judge you and your 301 00:13:20,559 --> 00:13:23,040 Speaker 2: spending because I don't know what your values are. All 302 00:13:23,080 --> 00:13:26,040 Speaker 2: I'm doing is overlaying my values on your spending. And 303 00:13:26,080 --> 00:13:28,880 Speaker 2: I think that in a world where money has so 304 00:13:29,000 --> 00:13:32,600 Speaker 2: much opinion associated with it, especially I'm a financial advisor. 305 00:13:32,880 --> 00:13:35,200 Speaker 2: I look at people's budgets all the time, and I 306 00:13:35,240 --> 00:13:38,320 Speaker 2: think they're so surprised when I don't turn around and say, lowly, 307 00:13:38,320 --> 00:13:40,400 Speaker 2: you really need to cut back on the juices. Like 308 00:13:40,440 --> 00:13:42,120 Speaker 2: I'm never going to say that, because I'm going to 309 00:13:42,160 --> 00:13:43,880 Speaker 2: sit down and be like, what do you love? What 310 00:13:44,559 --> 00:13:46,640 Speaker 2: do you really love? What's something that you're spending money 311 00:13:46,679 --> 00:13:48,040 Speaker 2: on that you hate? Right now? 312 00:13:48,280 --> 00:13:49,240 Speaker 1: I want to get to. 313 00:13:49,200 --> 00:13:52,800 Speaker 2: Know you before even giving you advice, because if I'm 314 00:13:52,840 --> 00:13:55,520 Speaker 2: not getting to know you and your value system, how 315 00:13:55,520 --> 00:13:57,400 Speaker 2: are you ever going to stick to any kind of 316 00:13:57,440 --> 00:13:59,280 Speaker 2: financial change I'm making with you? 317 00:13:59,280 --> 00:14:00,320 Speaker 1: You'd be like, this is joke. 318 00:14:00,400 --> 00:14:01,840 Speaker 2: I want to go back to my green juice. 319 00:14:02,720 --> 00:14:05,080 Speaker 1: Not to make this about nutrition, but I'm nutrition spot. 320 00:14:05,120 --> 00:14:09,240 Speaker 1: I really who would have known. But what's interesting is like, 321 00:14:09,320 --> 00:14:12,000 Speaker 1: that's the same when a client comes into a nutrition 322 00:14:12,080 --> 00:14:15,040 Speaker 1: space and you're like, Okay, what's important to you because 323 00:14:15,080 --> 00:14:16,839 Speaker 1: you're not going to take away their favorite thing. You're 324 00:14:16,880 --> 00:14:18,320 Speaker 1: just not going to do it. You might replace it 325 00:14:18,320 --> 00:14:20,320 Speaker 1: with a healthier alternative, but you're going to keep an 326 00:14:20,360 --> 00:14:23,440 Speaker 1: equivalent of that in their diet exactly. And it feels 327 00:14:23,480 --> 00:14:24,400 Speaker 1: like very similar. 328 00:14:25,120 --> 00:14:28,440 Speaker 2: It actually is, because it's all about finding that balance. 329 00:14:28,520 --> 00:14:31,720 Speaker 2: And I often akin a budget to a diet. If 330 00:14:31,760 --> 00:14:34,720 Speaker 2: it's unsustainable, it's not going to last. It's about long 331 00:14:34,840 --> 00:14:39,160 Speaker 2: lasting lifestyle change, not actually about going all right, let's 332 00:14:39,200 --> 00:14:42,200 Speaker 2: be super restrictive with your budget, because just like a budget, 333 00:14:42,240 --> 00:14:44,600 Speaker 2: you're going to end up blowing out. It's just not 334 00:14:44,680 --> 00:14:45,240 Speaker 2: going to work. 335 00:14:45,560 --> 00:14:46,960 Speaker 1: So why don't we just create a. 336 00:14:46,920 --> 00:14:50,280 Speaker 2: Framework that works for you and that actually molds into 337 00:14:50,320 --> 00:14:53,200 Speaker 2: what you want it to instead of creating a framework 338 00:14:53,400 --> 00:14:55,520 Speaker 2: that was made for somebody else and you just always 339 00:14:55,520 --> 00:14:57,120 Speaker 2: feel awkward about implementing. 340 00:14:57,400 --> 00:15:01,080 Speaker 1: Oh totally, And I love this knowledge just power thing too, 341 00:15:01,160 --> 00:15:03,680 Speaker 1: So uh, it's so funny. I went when I was 342 00:15:03,720 --> 00:15:06,520 Speaker 1: on your website, I downloaded all the free pdos as well, 343 00:15:06,560 --> 00:15:08,600 Speaker 1: and I sent them through to my boyfriend because our 344 00:15:09,000 --> 00:15:11,720 Speaker 1: relationship with money is the polar opposite. Like the poll, 345 00:15:12,000 --> 00:15:13,000 Speaker 1: which I was probably common. 346 00:15:13,040 --> 00:15:15,760 Speaker 2: I imagine it's really common opposite to attract. 347 00:15:15,480 --> 00:15:18,560 Speaker 1: Though usually, but it was. It's really interesting because I've like, 348 00:15:18,680 --> 00:15:21,360 Speaker 1: I budget, I've got my own sheets. I'm very a 349 00:15:21,480 --> 00:15:25,600 Speaker 1: type personality. Also because when I'm in Australia, I make money. 350 00:15:25,640 --> 00:15:27,640 Speaker 1: When I'm in America, I don't make money yet, and 351 00:15:27,720 --> 00:15:31,480 Speaker 1: so the Australian dollar is not strong enough to you 352 00:15:31,600 --> 00:15:34,440 Speaker 1: got to You've got to decrease your living key. Yeah, 353 00:15:34,480 --> 00:15:38,600 Speaker 1: you got to decrease your living expenses just to be 354 00:15:39,200 --> 00:15:41,920 Speaker 1: really break even and live. Yeah. Yeah, And I mean 355 00:15:41,960 --> 00:15:45,600 Speaker 1: it's an investment in yourself over absolutely. There's this story 356 00:15:45,600 --> 00:15:48,120 Speaker 1: about Margot Robbie that when she went to LA she 357 00:15:48,240 --> 00:15:51,200 Speaker 1: had her neighbor's money all saved up and she figured 358 00:15:51,200 --> 00:15:53,200 Speaker 1: out she had enough money to survive for three years 359 00:15:53,240 --> 00:15:54,520 Speaker 1: and that was a window to make it. 360 00:15:54,680 --> 00:15:57,640 Speaker 2: Oh my gosh. I want to get people like that 361 00:15:57,760 --> 00:16:00,600 Speaker 2: on my podcast and talk about their money store because 362 00:16:00,600 --> 00:16:03,640 Speaker 2: I feel like, I feel like when you say they 363 00:16:03,680 --> 00:16:07,320 Speaker 2: went to LA, it just dehumanizes them. Like imagine the 364 00:16:07,480 --> 00:16:10,360 Speaker 2: investment and the time and the energy and the planning 365 00:16:10,360 --> 00:16:13,120 Speaker 2: it would have taken, as well as the guts to 366 00:16:13,280 --> 00:16:15,200 Speaker 2: literally move to the other side of the world to 367 00:16:15,200 --> 00:16:16,360 Speaker 2: be like, you know what, I'm going to give this 368 00:16:16,440 --> 00:16:17,880 Speaker 2: my best crack worked out. 369 00:16:17,680 --> 00:16:20,440 Speaker 1: For her though, didn't it. Yeah, yeah, it's a brutal 370 00:16:20,600 --> 00:16:22,840 Speaker 1: I could talk about La all day long. It's a brutal, 371 00:16:23,080 --> 00:16:26,520 Speaker 1: beautiful beast, I always say, but it does. I always 372 00:16:26,560 --> 00:16:28,880 Speaker 1: need to financially prepare myself when I'm going to go there, 373 00:16:28,920 --> 00:16:32,120 Speaker 1: because I know that US dollars once you start making 374 00:16:32,440 --> 00:16:36,720 Speaker 1: life is fum Yeah yeah, yeah, absolutely, But until that happens, 375 00:16:37,480 --> 00:16:39,800 Speaker 1: you know, the Australian dollars about sixty five cents. 376 00:16:39,920 --> 00:16:44,680 Speaker 2: It's literally so painful, so painful. I bought a lot 377 00:16:44,680 --> 00:16:47,120 Speaker 2: of skin care while I was over there, though, in 378 00:16:47,240 --> 00:16:49,000 Speaker 2: saying that, I don't want to look at my bank 379 00:16:49,080 --> 00:16:51,960 Speaker 2: statement and what the conversion ended up being. You got 380 00:16:52,080 --> 00:16:57,440 Speaker 2: to you gotta, you gotta just bury about battles with it. 381 00:16:57,520 --> 00:17:00,280 Speaker 1: Like even that green juice it was thirteen American. 382 00:17:00,240 --> 00:17:04,440 Speaker 2: And I was like, oh wow, dollars ye oh my gosh. No. 383 00:17:04,840 --> 00:17:06,440 Speaker 1: The first thing I did when I got to Australia 384 00:17:06,720 --> 00:17:09,200 Speaker 1: or a juicer and so that I was making money 385 00:17:09,200 --> 00:17:12,240 Speaker 1: now I said to my boyfriend, was like, when do 386 00:17:12,320 --> 00:17:14,439 Speaker 1: we break even on this? Now? I am a money 387 00:17:14,440 --> 00:17:17,760 Speaker 1: saving kueen, so can I talk to you? And these 388 00:17:17,800 --> 00:17:20,920 Speaker 1: are going to feel really broad, but I just think 389 00:17:21,240 --> 00:17:24,840 Speaker 1: for the listener, are there any like kind of like 390 00:17:25,760 --> 00:17:28,879 Speaker 1: common toxic habits that are kind of easy to snap 391 00:17:28,920 --> 00:17:31,000 Speaker 1: out of, just like little changes people can make. 392 00:17:31,240 --> 00:17:34,240 Speaker 2: So the biggest one that I would say is toxic. 393 00:17:34,680 --> 00:17:36,439 Speaker 2: You guys aren't going to like this. I've come on 394 00:17:36,480 --> 00:17:39,320 Speaker 2: this podcast and you're like, oh, this girl is so bland. 395 00:17:39,400 --> 00:17:41,919 Speaker 2: I promise I am, but I've got some hot tips. 396 00:17:42,400 --> 00:17:46,400 Speaker 2: So the biggest, biggest thing is actually the people stick 397 00:17:46,400 --> 00:17:48,719 Speaker 2: their head in the sand about things. And I was 398 00:17:48,760 --> 00:17:51,800 Speaker 2: guilty of this for so many years, and it's just 399 00:17:51,920 --> 00:17:55,760 Speaker 2: easier to be avoidant, right, Like, it's not actually I can't. 400 00:17:56,119 --> 00:17:57,960 Speaker 1: I would say anxiety though. 401 00:17:57,920 --> 00:18:00,800 Speaker 2: See it does, but so many people feel so much 402 00:18:00,920 --> 00:18:04,800 Speaker 2: more anxiety when they actually want to tackle a topic 403 00:18:05,280 --> 00:18:08,200 Speaker 2: that feels overwhelming, and money for a lot of people 404 00:18:08,560 --> 00:18:11,879 Speaker 2: can be really overwhelming and make them feel really insecure. 405 00:18:12,160 --> 00:18:15,160 Speaker 2: And from having this short chat with you, obviously your 406 00:18:15,200 --> 00:18:18,200 Speaker 2: money story was such that you didn't have that underlying 407 00:18:18,240 --> 00:18:20,760 Speaker 2: sense of anxiety or loss when it came to money. 408 00:18:20,960 --> 00:18:23,760 Speaker 2: Whereas if you grew up in a circumstance where you know, 409 00:18:23,880 --> 00:18:26,520 Speaker 2: you might have experienced some poverty and your parents were 410 00:18:26,560 --> 00:18:30,240 Speaker 2: really anxious around money that could then be overlaid onto you. 411 00:18:30,520 --> 00:18:33,760 Speaker 2: And even if you're in a perfectly fine financial circumstance, 412 00:18:34,119 --> 00:18:36,400 Speaker 2: you still feel that pit in the bottom of your 413 00:18:36,440 --> 00:18:39,879 Speaker 2: stomach because that's just how you've been taught to react 414 00:18:39,920 --> 00:18:42,040 Speaker 2: around money. So I think we need to pull our 415 00:18:42,080 --> 00:18:43,639 Speaker 2: heads out of the stand and go, all right, well, 416 00:18:43,680 --> 00:18:46,160 Speaker 2: what is my money story? And if you're saying right 417 00:18:46,160 --> 00:18:48,600 Speaker 2: now like I don't have one, well that's your money 418 00:18:48,640 --> 00:18:52,320 Speaker 2: story in itself. But how do I think and feel 419 00:18:52,359 --> 00:18:54,600 Speaker 2: and act and behave around money? And what does that 420 00:18:54,640 --> 00:18:57,440 Speaker 2: actually mean to me? Some people are really flippant, some 421 00:18:57,440 --> 00:19:01,200 Speaker 2: people are really frugal. But the thing around money beliefs 422 00:19:01,200 --> 00:19:04,560 Speaker 2: and behaviors is that your money values could be very 423 00:19:04,600 --> 00:19:07,800 Speaker 2: different to your money beliefs. So you might turn around 424 00:19:07,840 --> 00:19:10,520 Speaker 2: and be like, oh, my money values are twenty dollar juice, 425 00:19:10,520 --> 00:19:12,560 Speaker 2: and you know, I actually want to live my best 426 00:19:12,600 --> 00:19:15,240 Speaker 2: life and do all of these different things. But my 427 00:19:15,560 --> 00:19:19,360 Speaker 2: money belief inherently could be that money is really scarce. 428 00:19:19,880 --> 00:19:23,280 Speaker 2: So even when you're buying that juice even though you're saying, no, 429 00:19:23,320 --> 00:19:25,480 Speaker 2: it's aligned to my values. It makes you feel sick, 430 00:19:25,720 --> 00:19:28,760 Speaker 2: it makes you feel anxious. So it's about aligning our 431 00:19:28,760 --> 00:19:32,120 Speaker 2: beliefs and our values and acknowledging that our beliefs are 432 00:19:32,160 --> 00:19:36,320 Speaker 2: not always things that we've chosen, but rather they're unconscious 433 00:19:36,400 --> 00:19:39,439 Speaker 2: stories that we tell ourselves that we actually have to 434 00:19:39,520 --> 00:19:43,399 Speaker 2: rewrite to actually live properly within our values. Because so 435 00:19:43,440 --> 00:19:45,720 Speaker 2: many times I can say, like, oh my gosh, like Lola, 436 00:19:45,760 --> 00:19:47,520 Speaker 2: if that's a value to you, I back it, but 437 00:19:47,560 --> 00:19:50,159 Speaker 2: you go, why does it feel terrible? Then when I 438 00:19:50,280 --> 00:19:53,159 Speaker 2: do it, I know it's important to me, we actually 439 00:19:53,160 --> 00:19:55,680 Speaker 2: have to dig a little bit deeper and look back 440 00:19:55,720 --> 00:19:58,199 Speaker 2: at what that means for us. Because the second we 441 00:19:58,200 --> 00:20:00,520 Speaker 2: pull our head out of the sand and go, h, 442 00:20:00,640 --> 00:20:03,280 Speaker 2: what does this mean? How am I tackling money? How 443 00:20:03,400 --> 00:20:06,719 Speaker 2: much do I have coming in and equally important, how 444 00:20:06,800 --> 00:20:09,240 Speaker 2: much do I have going out? That's when you can 445 00:20:09,280 --> 00:20:13,800 Speaker 2: actually have impactful change. But until that point, I don't 446 00:20:13,840 --> 00:20:15,800 Speaker 2: care about your budgeting apps, I don't care about your 447 00:20:15,840 --> 00:20:18,679 Speaker 2: super until you've actually worked out all of those things, 448 00:20:18,960 --> 00:20:22,720 Speaker 2: because that comes secondary. Those things come naturally once we've 449 00:20:22,720 --> 00:20:24,119 Speaker 2: pulled our heads out of the sand. 450 00:20:24,760 --> 00:20:28,200 Speaker 1: Oh mate, you're talking about I'm really big into therapy, 451 00:20:28,320 --> 00:20:31,120 Speaker 1: Like therapy is my non negotiable and you'd probably see. 452 00:20:30,960 --> 00:20:31,800 Speaker 2: My same girlfriend. 453 00:20:32,040 --> 00:20:35,919 Speaker 1: Yeah, but it feels like facing a fear because the 454 00:20:35,960 --> 00:20:39,360 Speaker 1: second you face a fear, it's so empowering and you 455 00:20:39,440 --> 00:20:42,360 Speaker 1: have this sense of like knowledge that you didn't have before, 456 00:20:42,480 --> 00:20:44,160 Speaker 1: and all of the sudden, this thing that you were 457 00:20:44,160 --> 00:20:47,840 Speaker 1: scared of, it's kind of cool, like in a weird 458 00:20:47,920 --> 00:20:49,480 Speaker 1: kind of like I'm about to freeze my eggs and 459 00:20:49,520 --> 00:20:51,200 Speaker 1: I was petrified, right Super. 460 00:20:50,880 --> 00:20:52,600 Speaker 2: Fun though, Right now? 461 00:20:52,640 --> 00:20:56,240 Speaker 1: Am I how empowering learning about understanding my body more, 462 00:20:56,480 --> 00:20:59,960 Speaker 1: working with natural path acupunder all these people to help 463 00:21:00,160 --> 00:21:02,679 Speaker 1: me prepare myself for something that I was really scared of. 464 00:21:02,720 --> 00:21:04,720 Speaker 1: And of course I'm not gonna lie I'm still scared, 465 00:21:04,960 --> 00:21:05,679 Speaker 1: Oh of course. 466 00:21:05,760 --> 00:21:08,720 Speaker 2: But I do genuinely believe that fear is a lack 467 00:21:08,760 --> 00:21:11,760 Speaker 2: of education, and the more educated you are, you might 468 00:21:11,800 --> 00:21:14,000 Speaker 2: be fearful because you're like, oh, I'm a bit anxious 469 00:21:14,000 --> 00:21:17,159 Speaker 2: about the actual process, but it's no longer fear of 470 00:21:17,200 --> 00:21:19,680 Speaker 2: the unknown. And I think that the second we get 471 00:21:19,760 --> 00:21:21,960 Speaker 2: rid of the fear of the unknown, it happens with 472 00:21:22,000 --> 00:21:24,560 Speaker 2: money all the time, like we actually need to go, well, 473 00:21:24,600 --> 00:21:26,480 Speaker 2: what does this mean? How does this work? Like, you've 474 00:21:26,480 --> 00:21:28,760 Speaker 2: got a debt, great, break it down? What does it mean? 475 00:21:28,800 --> 00:21:30,960 Speaker 2: Where did it come from? And I think too many 476 00:21:31,000 --> 00:21:34,560 Speaker 2: times we crucify ourselves and go, oh, I'm so bad, 477 00:21:34,600 --> 00:21:36,960 Speaker 2: I'm so naughty. I'm the worst person ever because I'm 478 00:21:36,960 --> 00:21:39,920 Speaker 2: in this debt. And it's like, what's that doing for us? 479 00:21:40,359 --> 00:21:41,120 Speaker 2: That's useless? 480 00:21:41,240 --> 00:21:43,439 Speaker 1: Like feeding a beast? Exactly, get rid of that. It 481 00:21:43,560 --> 00:21:44,639 Speaker 1: just is what it is. 482 00:21:44,720 --> 00:21:47,240 Speaker 2: Let's draw a line in the sand and start from scratch. 483 00:21:47,280 --> 00:21:49,040 Speaker 2: You've got this debt, great, how are we getting out 484 00:21:49,040 --> 00:21:51,200 Speaker 2: of it? How are we creating a plan to put 485 00:21:51,240 --> 00:21:53,480 Speaker 2: you where you want to go? And it's the same 486 00:21:53,560 --> 00:21:57,000 Speaker 2: thing as your egg freezing? Right, Like maybe I don't 487 00:21:57,040 --> 00:21:59,239 Speaker 2: know you well enough to know this for sure, but 488 00:21:59,440 --> 00:22:02,400 Speaker 2: maybe before that process you were like, oh, I don't 489 00:22:02,440 --> 00:22:04,240 Speaker 2: know about kids, I'm just going to bury my head 490 00:22:04,240 --> 00:22:06,720 Speaker 2: in the sand. But the second you took charge of 491 00:22:06,720 --> 00:22:08,880 Speaker 2: that circumstance, you're like, all right, now I feel empowered. 492 00:22:08,880 --> 00:22:11,280 Speaker 2: I have the education and the knowledge to be making 493 00:22:11,320 --> 00:22:13,520 Speaker 2: the right decisions for me. And I think that that's 494 00:22:13,640 --> 00:22:16,879 Speaker 2: just from my perspective, the best position to always be in. 495 00:22:17,040 --> 00:22:19,520 Speaker 2: Like as you said before, knowledge is literal power. 496 00:22:20,040 --> 00:22:23,960 Speaker 1: Absolutely. Oh mate, I could talk to you all day long. 497 00:22:24,080 --> 00:22:27,680 Speaker 1: This is amazing. You've inspired me about my egg freezing too. 498 00:22:27,960 --> 00:22:29,840 Speaker 2: Oh my gosh, I'm so perpy. I want to know 499 00:22:29,960 --> 00:22:32,240 Speaker 2: all about it. I've got a couple of girlfriends going 500 00:22:32,240 --> 00:22:33,959 Speaker 2: through it. At the moment, I'm like, what next? How 501 00:22:33,960 --> 00:22:35,240 Speaker 2: does that work? What does that mean? 502 00:22:35,440 --> 00:22:38,760 Speaker 1: It's got to proceed made And this is the thing, 503 00:22:38,880 --> 00:22:40,640 Speaker 1: like I've been getting quotes as well. 504 00:22:40,720 --> 00:22:42,760 Speaker 2: Did you know that you can use your superanuation to 505 00:22:42,760 --> 00:22:43,240 Speaker 2: pay for it? 506 00:22:43,560 --> 00:22:43,800 Speaker 1: No? 507 00:22:43,920 --> 00:22:45,240 Speaker 2: Bet you didn't know that one. 508 00:22:46,040 --> 00:22:48,320 Speaker 1: I do know that some there is government rebates for 509 00:22:48,480 --> 00:22:49,520 Speaker 1: depending on where you go. 510 00:22:49,560 --> 00:22:52,000 Speaker 2: Yeah, there are, But you can also rely on your 511 00:22:52,000 --> 00:22:55,359 Speaker 2: superanuation and get access to super if you want to 512 00:22:55,400 --> 00:22:58,919 Speaker 2: do something like that. Same for IVF. So when it 513 00:22:59,080 --> 00:23:02,040 Speaker 2: is a life threat condition, which obviously you might go, 514 00:23:02,119 --> 00:23:05,760 Speaker 2: oh Victoria, egg freezing isn't. But because egg freezing and 515 00:23:05,800 --> 00:23:08,080 Speaker 2: obviously doing that is going to help your mental health 516 00:23:08,119 --> 00:23:11,320 Speaker 2: and mental health is obviously incredibly serious. Here in Australia, 517 00:23:11,400 --> 00:23:14,239 Speaker 2: you can actually get a GP to sign off and 518 00:23:14,320 --> 00:23:17,080 Speaker 2: you can access through bernuation to pay for IVF and 519 00:23:17,119 --> 00:23:19,280 Speaker 2: pay for egg freezing to put you in the best 520 00:23:19,280 --> 00:23:20,439 Speaker 2: possible mental position. 521 00:23:21,000 --> 00:23:25,840 Speaker 1: Genius, right, I love oh mate. Can I say, talking 522 00:23:25,880 --> 00:23:28,359 Speaker 1: about your podcast, you had an egg donor on recently we. 523 00:23:28,280 --> 00:23:29,920 Speaker 2: Did Oh my god, that was one of the most 524 00:23:29,960 --> 00:23:30,920 Speaker 2: special stories. 525 00:23:31,000 --> 00:23:33,040 Speaker 1: What's a legend of a human And can I say 526 00:23:33,160 --> 00:23:34,359 Speaker 1: zero ego? No? 527 00:23:34,520 --> 00:23:36,800 Speaker 2: No, I just wanted to share, like just a legend 528 00:23:37,040 --> 00:23:39,639 Speaker 2: all of our money. Diarists I feel have zero ego 529 00:23:39,880 --> 00:23:42,720 Speaker 2: because they come on knowing that they're going to be anonymous, 530 00:23:42,720 --> 00:23:44,439 Speaker 2: like they've got no skin in the game when it 531 00:23:44,480 --> 00:23:47,800 Speaker 2: comes to their reputation or their story. So they come 532 00:23:47,800 --> 00:23:49,959 Speaker 2: on and they genuinely are like, cool, this is what 533 00:23:50,000 --> 00:23:51,760 Speaker 2: I do. This is how I did it. Some people 534 00:23:51,760 --> 00:23:53,480 Speaker 2: are like this is how I messed up, or others 535 00:23:53,520 --> 00:23:56,040 Speaker 2: are like this is what egg donation in Australia looks like, 536 00:23:56,200 --> 00:23:57,160 Speaker 2: how cool is it? 537 00:23:57,520 --> 00:24:00,480 Speaker 1: And again in America like so half my reason is like, 538 00:24:00,840 --> 00:24:04,080 Speaker 1: let's buy some time to chase this big career of out. Absolutely, 539 00:24:04,400 --> 00:24:06,439 Speaker 1: but you can bring them over. So a lot of 540 00:24:06,440 --> 00:24:08,359 Speaker 1: people don't know this. You can't freeze eggs in America 541 00:24:08,359 --> 00:24:10,800 Speaker 1: and bring them to Australia. It's biohazard. But you can 542 00:24:10,880 --> 00:24:15,000 Speaker 1: take Australian frozen eggs and embryos over you use the surrogate. Yeah, 543 00:24:14,920 --> 00:24:15,840 Speaker 1: we're to the surrogate. 544 00:24:15,960 --> 00:24:19,400 Speaker 2: Insanely cool, right, Like I just feel so. 545 00:24:19,560 --> 00:24:20,560 Speaker 1: I could talk to you about this time. 546 00:24:20,640 --> 00:24:23,840 Speaker 2: And there's so many just like different rules and regulations. 547 00:24:23,880 --> 00:24:26,080 Speaker 2: Like in America, I know, you can pay someone to 548 00:24:26,119 --> 00:24:29,600 Speaker 2: be your surroat. Yeah, so the accessibility is obviously one. 549 00:24:29,720 --> 00:24:32,480 Speaker 2: Let's not talk about the financial side of it because accessibility, 550 00:24:32,520 --> 00:24:36,159 Speaker 2: obviously that's expensive. Yeah, but it's easier to find a 551 00:24:36,280 --> 00:24:39,240 Speaker 2: surrogate because people get paid for it, whereas in Australia 552 00:24:39,280 --> 00:24:42,800 Speaker 2: you cannot financially benefit from being a surrogate. You can 553 00:24:42,800 --> 00:24:45,040 Speaker 2: have your medical bills coming, but it has to be 554 00:24:45,160 --> 00:24:47,479 Speaker 2: quote from the goodness of your heart, which makes it 555 00:24:47,600 --> 00:24:49,080 Speaker 2: so much harder for people. 556 00:24:49,800 --> 00:24:53,800 Speaker 1: Crazy interesting, so so interesting, Okay, can I ask for 557 00:24:53,920 --> 00:24:57,520 Speaker 1: just like a few kind of just like if we 558 00:24:57,520 --> 00:25:00,720 Speaker 1: were the listener today was like, all right, love Victoria, 559 00:25:00,800 --> 00:25:03,320 Speaker 1: Love Victoria. I'm going to make a fairy change. That's fair. 560 00:25:03,560 --> 00:25:05,000 Speaker 1: I'm drinking the kool aid, mate. 561 00:25:05,160 --> 00:25:07,880 Speaker 2: Oh you're very American if we're drinking kool aid. 562 00:25:09,080 --> 00:25:14,760 Speaker 1: But I've got my Starbucks frappuccino. Love it. But I 563 00:25:14,800 --> 00:25:16,640 Speaker 1: guess if there are a few, like two or three 564 00:25:16,760 --> 00:25:19,120 Speaker 1: just like hacks that we can start implementing now other 565 00:25:19,160 --> 00:25:21,480 Speaker 1: than the pool there, I know that after we've. 566 00:25:21,359 --> 00:25:24,560 Speaker 2: Pulled our heads out as ANGELI, we've done that, what's next. 567 00:25:24,320 --> 00:25:27,120 Speaker 1: Because like, until I started researching you, I did, honest 568 00:25:27,280 --> 00:25:29,199 Speaker 1: to god, I did not know how much was in 569 00:25:29,240 --> 00:25:30,560 Speaker 1: my super I did not know. 570 00:25:30,600 --> 00:25:32,639 Speaker 2: Do you know now what a queen? 571 00:25:32,920 --> 00:25:35,360 Speaker 1: I love it? I do? I was writing my book keeper, 572 00:25:35,359 --> 00:25:36,720 Speaker 1: I was like, should I be topping it up? Like 573 00:25:36,760 --> 00:25:38,119 Speaker 1: I don't know? Do I need it? Like? What do I? 574 00:25:38,320 --> 00:25:40,560 Speaker 1: What does it mean? Why have we not cared about 575 00:25:40,560 --> 00:25:45,680 Speaker 1: this before? You need a financial advisor? Huh? 576 00:25:45,760 --> 00:25:48,159 Speaker 2: And you're like, oh, well, I'll opt out of that. 577 00:25:48,359 --> 00:25:48,919 Speaker 2: You're boring? 578 00:25:50,320 --> 00:25:52,720 Speaker 1: This is so great. I was just like, wow, okay. 579 00:25:53,119 --> 00:25:55,560 Speaker 1: And again with that becomes the knowledge that I'm not 580 00:25:55,600 --> 00:25:57,159 Speaker 1: going to be like, oh is this enough to be 581 00:25:57,240 --> 00:25:58,640 Speaker 1: in my super or yeah? 582 00:25:59,119 --> 00:26:01,440 Speaker 2: And it's a really hard thing to go through, right, 583 00:26:01,520 --> 00:26:04,800 Speaker 2: so if we step back, Unfortunately, these three hot tips 584 00:26:04,840 --> 00:26:07,159 Speaker 2: are not going to be well. I hope they'll be 585 00:26:07,240 --> 00:26:09,879 Speaker 2: life changing, but they're not those hot tips that I 586 00:26:09,880 --> 00:26:12,199 Speaker 2: think everyone is searching for, Like I think everyone is 587 00:26:12,200 --> 00:26:14,520 Speaker 2: looking for the next thing, or like the big win, 588 00:26:14,680 --> 00:26:16,840 Speaker 2: or this is going to make me rich. Unfortunately that's 589 00:26:16,840 --> 00:26:19,600 Speaker 2: not the case. I heard a quote recently that I 590 00:26:19,680 --> 00:26:21,800 Speaker 2: have been spitting everywhere. 591 00:26:22,040 --> 00:26:22,680 Speaker 1: I love it. 592 00:26:22,760 --> 00:26:26,200 Speaker 2: I feel like it's a little bit harsh, and you're like, oh, savage, Victoria, 593 00:26:26,240 --> 00:26:28,280 Speaker 2: I love. So that's why I'm like, it's not my quote, 594 00:26:28,280 --> 00:26:31,199 Speaker 2: I promise, but I'll reproduce it. And that's It's if 595 00:26:31,280 --> 00:26:33,920 Speaker 2: you were born poor, that's not your fault, but if 596 00:26:33,960 --> 00:26:36,480 Speaker 2: you die poor, that is your fault. And I'm like, 597 00:26:36,760 --> 00:26:40,119 Speaker 2: oh savage, But like, it's all about putting you in 598 00:26:40,160 --> 00:26:42,240 Speaker 2: the driver's seat and you're in control of your own 599 00:26:42,280 --> 00:26:45,600 Speaker 2: destiny and wealth creation. And I genuinely believe that each 600 00:26:45,640 --> 00:26:48,639 Speaker 2: and every single person can create wealth. They just have 601 00:26:48,720 --> 00:26:51,399 Speaker 2: to be given the right tools and resources. And so, 602 00:26:51,480 --> 00:26:53,800 Speaker 2: from my perspective, the first thing I want you to do, 603 00:26:54,040 --> 00:26:56,160 Speaker 2: regardless of who you are, regardless of whether you earn 604 00:26:56,200 --> 00:26:59,280 Speaker 2: forty thousand dollars or four hundred thousand dollars, is a budget. 605 00:27:00,119 --> 00:27:00,520 Speaker 1: Budget. 606 00:27:00,720 --> 00:27:04,080 Speaker 2: It shouldn't be restrictive. It's not a diet that we 607 00:27:04,160 --> 00:27:06,320 Speaker 2: go on and we're trying to lose weight and strip 608 00:27:06,400 --> 00:27:09,840 Speaker 2: everything back. A budget is actually just a very good 609 00:27:09,920 --> 00:27:12,920 Speaker 2: visual of how many dollars come into our account, how 610 00:27:12,960 --> 00:27:16,280 Speaker 2: many dollars leave, and what our values are. Inside of that, 611 00:27:16,800 --> 00:27:19,360 Speaker 2: I can tell you a lot about somebody just by 612 00:27:19,359 --> 00:27:21,439 Speaker 2: looking at what they spend their money on. Oh, I 613 00:27:21,480 --> 00:27:25,359 Speaker 2: know your value system, I know what you're prioritizing. I 614 00:27:25,400 --> 00:27:28,240 Speaker 2: know what you want in life because I can look 615 00:27:28,240 --> 00:27:29,879 Speaker 2: at that and go, all right, well, this is clearly 616 00:27:29,880 --> 00:27:31,600 Speaker 2: your value. And do you know how many times I've 617 00:27:31,600 --> 00:27:34,119 Speaker 2: sat across from this table with people and I've been like, 618 00:27:34,280 --> 00:27:36,760 Speaker 2: your value is Smoking. They're like, no, it's not. I 619 00:27:36,760 --> 00:27:38,840 Speaker 2: don't value that at all. Why are you spending so 620 00:27:38,920 --> 00:27:41,760 Speaker 2: much money on it? Then oh, wow, like your value 621 00:27:41,960 --> 00:27:43,680 Speaker 2: is Jim, and they're like, no it's not. I never 622 00:27:43,720 --> 00:27:45,920 Speaker 2: go why are you spending eight hundred dollars a month 623 00:27:45,960 --> 00:27:48,959 Speaker 2: on forty five? So I think it's interesting when we 624 00:27:49,000 --> 00:27:52,480 Speaker 2: look at our money as a reflection of our value systems. 625 00:27:52,840 --> 00:27:55,679 Speaker 2: We don't actually see it that way usually, But if 626 00:27:55,720 --> 00:27:57,960 Speaker 2: I say look at your budget, look at what's coming 627 00:27:57,960 --> 00:28:00,760 Speaker 2: in and what's going out, and whether it's actually something 628 00:28:00,800 --> 00:28:03,360 Speaker 2: that you care about, I think people start to take 629 00:28:03,400 --> 00:28:05,920 Speaker 2: it quite seriously. Because the second you take the restriction 630 00:28:06,000 --> 00:28:08,480 Speaker 2: out of it, that's fine, because lol, I don't care 631 00:28:08,480 --> 00:28:08,960 Speaker 2: how much you. 632 00:28:08,920 --> 00:28:11,679 Speaker 1: Spend on groceries. You're probably a lot like me. 633 00:28:12,480 --> 00:28:14,800 Speaker 2: You spend a whole heap on food, and that's a 634 00:28:14,800 --> 00:28:18,480 Speaker 2: good thing because that's aligned to your values, and that's great. 635 00:28:18,880 --> 00:28:21,199 Speaker 2: But then I've sat across this table from mum to 636 00:28:21,240 --> 00:28:23,000 Speaker 2: a like, you know what I can do, Victoria. I 637 00:28:23,040 --> 00:28:26,200 Speaker 2: can spend eighty dollars at the grocery shop and I 638 00:28:26,240 --> 00:28:28,920 Speaker 2: can feed a family of five. I'm like, I could never. 639 00:28:29,400 --> 00:28:30,960 Speaker 1: Oh my god, I spend that for me and my 640 00:28:31,040 --> 00:28:32,000 Speaker 1: boyfriend exactly. 641 00:28:32,040 --> 00:28:34,120 Speaker 2: But do you know what I mean? It's not actually 642 00:28:34,160 --> 00:28:37,800 Speaker 2: about my values versus yours. They're her values. That's what 643 00:28:37,840 --> 00:28:39,760 Speaker 2: she wants to achieve. So I'm not going to look 644 00:28:39,760 --> 00:28:42,120 Speaker 2: at your budget and go, oh my gosh, your grocery 645 00:28:42,160 --> 00:28:43,600 Speaker 2: shopping is pretty high. 646 00:28:43,680 --> 00:28:45,160 Speaker 1: I'm going to look at it and go, hey, Lola, 647 00:28:45,200 --> 00:28:46,000 Speaker 1: are you happy with that? 648 00:28:46,280 --> 00:28:49,360 Speaker 2: And you might say, absolutely, I am happy with that, 649 00:28:50,000 --> 00:28:51,960 Speaker 2: or you might go, oh my god, that is higher 650 00:28:52,000 --> 00:28:55,200 Speaker 2: than i'd hoped. Let's review it. So it's not about 651 00:28:55,200 --> 00:28:58,240 Speaker 2: how much you spend on your groceries. It's actually whether 652 00:28:58,280 --> 00:29:01,080 Speaker 2: you're happy personally with that or not. And I think 653 00:29:01,120 --> 00:29:03,480 Speaker 2: a lot of people often ask questions like, oh, well, 654 00:29:03,480 --> 00:29:06,120 Speaker 2: what's the average spend on groceries? Should I be adhering 655 00:29:06,160 --> 00:29:10,160 Speaker 2: to that? No, because everybody has different value set. It's like, 656 00:29:10,520 --> 00:29:12,760 Speaker 2: you are not going to catch me in a gym 657 00:29:12,880 --> 00:29:13,680 Speaker 2: anytime soon. 658 00:29:13,840 --> 00:29:14,760 Speaker 1: Just not going to happen. 659 00:29:15,080 --> 00:29:17,200 Speaker 2: I will walk the dog three times a day to 660 00:29:17,280 --> 00:29:19,560 Speaker 2: get out of having to go to the gym. It's 661 00:29:19,640 --> 00:29:21,560 Speaker 2: just not going to happen. So if you saw in 662 00:29:21,600 --> 00:29:24,280 Speaker 2: my budget that I was paying for a gym membership, 663 00:29:24,280 --> 00:29:27,360 Speaker 2: you'd be like, Victoria, that's a waste of money, and 664 00:29:27,400 --> 00:29:31,400 Speaker 2: I'd have to agree. Whereas my best friend F forty five, 665 00:29:31,480 --> 00:29:34,320 Speaker 2: I call her in F forty five tragic. She's there 666 00:29:34,600 --> 00:29:37,480 Speaker 2: all the time. She basically should buy into the franchise 667 00:29:37,520 --> 00:29:40,520 Speaker 2: in all honesty, but if we stripped that out of 668 00:29:40,520 --> 00:29:42,160 Speaker 2: her budget that would be awful. 669 00:29:42,480 --> 00:29:43,520 Speaker 1: So I think that these. 670 00:29:43,440 --> 00:29:45,320 Speaker 2: Rules where people are like get rid of your gym 671 00:29:45,360 --> 00:29:48,840 Speaker 2: membership or cut back or uber eats, that doesn't work 672 00:29:48,880 --> 00:29:52,360 Speaker 2: for everybody, actually work out whether the dollars you're spending 673 00:29:52,400 --> 00:29:55,440 Speaker 2: are aligned to your values or not. The second thing 674 00:29:55,600 --> 00:29:57,320 Speaker 2: you've already hit the nail on the head with this 675 00:29:57,360 --> 00:30:01,200 Speaker 2: one is care about your superannuation? Here in Australia as 676 00:30:01,240 --> 00:30:04,560 Speaker 2: of July twenty twenty two, it is ten and a 677 00:30:04,600 --> 00:30:09,320 Speaker 2: half percent of your income. Not many people can tell me, Victoria, 678 00:30:09,360 --> 00:30:11,680 Speaker 2: each and every single week, I save or invest ten 679 00:30:11,720 --> 00:30:13,760 Speaker 2: and a half percent of my income. Most people don't 680 00:30:13,800 --> 00:30:17,440 Speaker 2: do that. But you are literally already doing that inside superannuation, 681 00:30:17,840 --> 00:30:20,840 Speaker 2: you are already investing it and it is your money 682 00:30:20,920 --> 00:30:24,719 Speaker 2: and your decision. You can have complete control over that. 683 00:30:24,800 --> 00:30:27,560 Speaker 2: You get to choose where it's invested, what super fund 684 00:30:27,600 --> 00:30:30,360 Speaker 2: controls it, and how it is growing. You get to 685 00:30:30,360 --> 00:30:33,400 Speaker 2: pick your risk profile. And everybody seems to be so 686 00:30:33,560 --> 00:30:35,280 Speaker 2: shocked when I say this. They're like, oh, I just 687 00:30:35,320 --> 00:30:37,880 Speaker 2: have a superfund. Like no, your super fund will have 688 00:30:37,960 --> 00:30:41,440 Speaker 2: like six or seven different profiles to choose. Call them 689 00:30:41,560 --> 00:30:45,000 Speaker 2: it is free. You're paying super fees for this privilege. 690 00:30:45,360 --> 00:30:47,360 Speaker 2: Ask them a million questions. 691 00:30:46,880 --> 00:30:49,120 Speaker 1: And I just did my will and my lawyers like 692 00:30:49,200 --> 00:30:51,640 Speaker 1: get your death binding on your super so that it 693 00:30:51,920 --> 00:30:56,040 Speaker 1: exactly and has no idea that wills and estate planning 694 00:30:56,080 --> 00:30:59,800 Speaker 1: are so important. Sadly, we've had so many money diarists 695 00:30:59,840 --> 00:31:02,800 Speaker 1: on now Show where they've actually had to go through 696 00:31:02,840 --> 00:31:05,000 Speaker 1: the Supreme Court because. 697 00:31:04,720 --> 00:31:08,440 Speaker 2: Their partners or parents or people in their world. Haven't 698 00:31:08,480 --> 00:31:11,720 Speaker 2: actually set up a good estate plan. And you don't 699 00:31:11,760 --> 00:31:12,920 Speaker 2: set up an estate plan. 700 00:31:12,800 --> 00:31:14,280 Speaker 1: For you, You set it up for. 701 00:31:14,240 --> 00:31:16,400 Speaker 2: The people that you love, to make sure that they're. 702 00:31:16,240 --> 00:31:19,880 Speaker 1: Not people exactly. One thing I've learned is I've put 703 00:31:19,920 --> 00:31:21,800 Speaker 1: the embryo on egg thing in there too, because that's 704 00:31:22,080 --> 00:31:27,520 Speaker 1: really how cute. If anything happens to me, Oh my gosh, 705 00:31:27,560 --> 00:31:32,840 Speaker 1: that's generous, what a woman? Well impigt. 706 00:31:33,320 --> 00:31:35,400 Speaker 2: I mean to end it on a morbid note, though 707 00:31:35,440 --> 00:31:37,720 Speaker 2: you said before, if anything happens to me, that's a 708 00:31:37,760 --> 00:31:40,240 Speaker 2: really important point. So the other thing I would urge 709 00:31:40,280 --> 00:31:42,520 Speaker 2: each and every single person to do is give a 710 00:31:42,640 --> 00:31:46,760 Speaker 2: damn about your insurances. Yeah, everybody has car insurance. If 711 00:31:46,760 --> 00:31:50,680 Speaker 2: you want a car, you'd insure it, right exactly. But 712 00:31:50,880 --> 00:31:53,959 Speaker 2: do you ensure your own income? No, but you're your 713 00:31:54,000 --> 00:31:54,760 Speaker 2: biggest asset. 714 00:31:54,880 --> 00:31:55,719 Speaker 1: You mean life insurance? 715 00:31:55,840 --> 00:31:59,160 Speaker 2: Yes, life insurance. Income protection for me is probably my 716 00:31:59,240 --> 00:32:02,560 Speaker 2: favorite type of insurance. And I say that because too 717 00:32:02,600 --> 00:32:05,160 Speaker 2: many people will say things like, oh, like, I just 718 00:32:05,200 --> 00:32:07,560 Speaker 2: can't afford it, it's not in my budget. You could 719 00:32:07,600 --> 00:32:10,000 Speaker 2: pry that out of my cold dead hands. That is 720 00:32:10,040 --> 00:32:13,680 Speaker 2: the last insurance I would let go of, because if 721 00:32:13,680 --> 00:32:15,160 Speaker 2: my car's not insured and I crash it. 722 00:32:15,200 --> 00:32:15,440 Speaker 1: Great. 723 00:32:15,440 --> 00:32:17,120 Speaker 2: You know what's going to pay for it, my income. 724 00:32:17,400 --> 00:32:19,360 Speaker 2: I'm going to generate an income and I'm going to 725 00:32:19,400 --> 00:32:21,920 Speaker 2: buy myself a new car. What happens if I crash 726 00:32:22,000 --> 00:32:24,480 Speaker 2: me and I can't work anymore and I can't generate 727 00:32:24,480 --> 00:32:26,520 Speaker 2: an income, I'll have to sell the car, I'll have 728 00:32:26,560 --> 00:32:28,600 Speaker 2: to sell the house. I'll have to sell everything and 729 00:32:28,640 --> 00:32:32,360 Speaker 2: then have no money. So the idea that Australians do 730 00:32:32,520 --> 00:32:36,880 Speaker 2: not cover themselves, or anyone covers themselves, blows my mind. 731 00:32:37,320 --> 00:32:40,920 Speaker 2: But Australians in particular, because we are the most underinsured 732 00:32:40,960 --> 00:32:44,080 Speaker 2: country in the entire world. We just trust our system, 733 00:32:44,200 --> 00:32:47,200 Speaker 2: which I get, but it's not a good idea. 734 00:32:47,960 --> 00:32:51,280 Speaker 1: I could talk to you all fick go wrong. Sorry sorry. 735 00:32:51,400 --> 00:32:53,960 Speaker 1: See your next book's out September twenty, so this will 736 00:32:53,960 --> 00:32:56,120 Speaker 1: have this full drop after the book's out, so it's 737 00:32:56,120 --> 00:32:59,720 Speaker 1: officially available. It's officially available. I'm a legit. I'll have 738 00:32:59,760 --> 00:33:02,560 Speaker 1: it all in the show notes. Mate. I hope that's 739 00:33:02,600 --> 00:33:03,280 Speaker 1: an Amazon link. 740 00:33:03,320 --> 00:33:05,080 Speaker 2: But you get to clip the ticket along the way, 741 00:33:05,120 --> 00:33:08,520 Speaker 2: tend out of take good money. Decision from you. 742 00:33:08,520 --> 00:33:11,600 Speaker 1: You're wonderful, Thank you, thank you for having me. What 743 00:33:11,720 --> 00:33:14,200 Speaker 1: a dream? Thank you for being on this pod. I 744 00:33:15,000 --> 00:33:17,520 Speaker 1: now want to be one of your clients. Come on down, 745 00:33:18,120 --> 00:33:20,360 Speaker 1: Down one hundred percent. Do you take people that live 746 00:33:20,360 --> 00:33:20,920 Speaker 1: in by and by? 747 00:33:21,440 --> 00:33:24,920 Speaker 2: Of course, of course you're a bit too free spirited sometimes, 748 00:33:24,960 --> 00:33:26,040 Speaker 2: but we'll chat through that. 749 00:33:26,760 --> 00:33:29,320 Speaker 1: I can be the calm to the storm. Sounds perfect, 750 00:33:29,400 --> 00:33:31,880 Speaker 1: my friend. I'm so raped to have met you. 751 00:33:32,240 --> 00:33:33,960 Speaker 2: Thank you for coming and hanging out with me and 752 00:33:34,000 --> 00:33:34,800 Speaker 2: my dog Lucy. 753 00:33:34,920 --> 00:33:39,040 Speaker 1: That's very kind, gorgeous, and thank you for sharing because 754 00:33:39,080 --> 00:33:40,880 Speaker 1: I know the listener will have got something from this, 755 00:33:40,960 --> 00:33:44,320 Speaker 1: but I personally have got a lot from that. Very clean. 756 00:33:44,760 --> 00:33:50,280 Speaker 1: Thank you. What a fun chat. That's a wrap on 757 00:33:50,400 --> 00:33:55,720 Speaker 1: another episode of Fearlessly Failing. As always, thank you to 758 00:33:55,800 --> 00:34:00,360 Speaker 1: our guests, and let's continue the conversation on Instagram. I'm 759 00:34:00,400 --> 00:34:05,880 Speaker 1: at Yamo Lollaberry. This potty my word for podcast is 760 00:34:05,920 --> 00:34:09,719 Speaker 1: available on all streaming platforms. I'd love it if you 761 00:34:09,760 --> 00:34:13,960 Speaker 1: could subscribe, rape and comment, and of course spread the love.