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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. My name is Tony

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Speaker 3: Lodge and joining me for a money Diary on this

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Speaker 3: sunny Monday. It might not be sunny where you are,

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Speaker 3: it's probably not even sunny here in Melbourne. But joining

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Speaker 3: me today is Victoria Devine.

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Speaker 4: Hello, what a surprise seeing me here.

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Speaker 3: I know it's like you're on every way, am I

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Speaker 3: Maybe I should find someone else? No, don't know one panic.

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Speaker 3: Please don't post in the group that Victoria is not

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Speaker 3: going to be on the podcast next week.

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Speaker 4: Oh my gosh, start drama.

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Speaker 3: Yes, no, no, no, no, no, no, no, oh my gosh, let's

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Speaker 3: get into this.

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Speaker 1: We don't start drama.

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Speaker 3: But we've got another money Diary this week. And I

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Speaker 3: think you're I say this every week.

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Speaker 1: I think you're really gonna like this one.

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Speaker 4: But I think, do you know what? We picked the

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Speaker 4: money dirries, but you like them, because how daft of

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Speaker 4: us if we picked money diries. We were like, you

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Speaker 4: know what, this week's one.

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Speaker 1: You're gonna hate it?

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Speaker 4: Pretty dry. They didn't tell us anything not that interesting.

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Speaker 4: Five minutes m bam thank you, ma'am.

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Speaker 1: So I'm gonna try and refrain from saying that. But

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Speaker 1: you are gonna lie this one.

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Speaker 4: It's a good one, okay, but I'm gonna like all

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Speaker 4: of them. Yes, all right? Can you read out the

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Speaker 4: email for me? All right?

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Speaker 3: Here we go, Hi, she's on the money team. I

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Speaker 3: went to UNI straight out of high school. I worked

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Speaker 3: cash jobs up until the age of twenty one. From

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Speaker 3: twenty one to twenty three, I worked part time whilst

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Speaker 3: completing my studies, earning super for the first time, but

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Speaker 3: I never paid any attention.

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Speaker 1: I thought it was important.

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Speaker 3: Finally, when I completed unit at age twenty three, I

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Speaker 3: scraped just enough money together to go overseas on.

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Speaker 1: A working holiday, where I accidentally stayed for four years.

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Speaker 4: What a Cowinki Yeah, oh.

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Speaker 3: Well, accidentally just living my best life. I returned to

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Speaker 3: Australia with zero dollars at age twenty seven, spend year

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Speaker 3: bouncing from casual job to casual job, and finally, at

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Speaker 3: twenty eight I started my career, working full time for

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Speaker 3: the first time in my life and earning super. I

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Speaker 3: have now been in this job for one year now

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Speaker 3: that I'm in the real world and no longer playing

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Speaker 3: Peter Pan. I can't help but recognize the financial sacrifices

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Speaker 3: I have made in the name of travel, and to

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Speaker 3: compare myself to my friends and other money diarists, I

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Speaker 3: very much feel like I'm playing catch up, and it's

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Speaker 3: a tough.

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Speaker 1: Position to be in. I call myself twenty nine and

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Speaker 1: catching up.

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Speaker 4: I like that, But also stop comparing yourself to everybody

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Speaker 4: else's journey.

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Speaker 1: It's really hard though.

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Speaker 4: I know it's really hard, but it's also really upsetting

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Speaker 4: when people compare themselves because you are rich in travel

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Speaker 4: and rich in life experience, and you know, I didn't

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Speaker 4: get to do any of that, and yeah, I've got

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Speaker 4: other things going on, but like, that's pretty cool too,

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Speaker 4: So I don't think we give ourselves enough credit, honestly.

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Speaker 1: But we've got our money diarist on the line, and

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Speaker 1: she can probably shed more light than your I could.

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Speaker 4: On her own Story's probably for the best. Let's have

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Speaker 4: a chat with her.

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Speaker 1: Hello, Money Diarist.

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Speaker 5: High ladies, how's it going.

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Speaker 4: We are so good. We are so excited about this.

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Speaker 4: I want to know all about your travels and all

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Speaker 4: about how you are working now. But as always, we're

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Speaker 4: going to start with destructured questions at the beginning. So

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Speaker 4: to kick it off, what is your attitude towards money?

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Speaker 5: So my attitude towards money has changed a lot in

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Speaker 5: recent times. I bet no, pretty much. Up until a

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Speaker 5: year ago, I just didn't pay any attention and I

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Speaker 5: just always felt that I had such a long life

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Speaker 5: ahead of me and there was plenty of time to

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Speaker 5: make money. Yeah, I just thought, well, I'll enjoy life now,

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Speaker 5: and you know money easy come, easygo kind of stuff.

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Speaker 5: So it was just never a priority for me at all.

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Speaker 5: Like up until about a year ago, money was to

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Speaker 5: gain to be able to spend that on fun experiences.

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Speaker 5: That's shifted enormously once I got into the real world,

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Speaker 5: I would say, and I know that you mentioned before

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Speaker 5: that it sounded like I was comparing myself to others,

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Speaker 5: which I absolutely am, because just been quite curious about

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Speaker 5: my friends and stuff. Once I got home and started

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Speaker 5: to consider, oh, like these people have been working for

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Speaker 5: like the last four years, what have I've been doing?

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Speaker 5: But also like another I've mentioned my super a couple

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Speaker 5: of times in my letter that I sent to you,

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Speaker 5: and the reason for that was because I've seen like

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Speaker 5: on the super websites and like on the morning shell

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Speaker 5: and stuff that Tho's recommendations about how much you should

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Speaker 5: have in your super for a comfortable retirement given your age.

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Speaker 4: Yeah, they kins make that. They can make you feel

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Speaker 4: so stressed.

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Speaker 1: Very scary.

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Speaker 5: Yes, So I've very much got that figure in mind

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Speaker 5: and I'm like nowhere near it. And it just became

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Speaker 5: quite interested in money once I started making it. And

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Speaker 5: basically now, Maya, I'm giving a very long Listen, No,

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Speaker 5: I like.

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Speaker 4: You, I like learning, and I love how everybody's so

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Speaker 4: willing to share their journeys with us. So do not

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Speaker 4: apologize for it being too long, because we're all listening

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Speaker 4: with baited b I promise.

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Speaker 5: But now, basically my attitude to money is I really

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Speaker 5: want to be for better or for worse, like meeting

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Speaker 5: those targets, Like I want to be, you know, have

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Speaker 5: the amount of super that is recommended for my age,

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Speaker 5: and I just never want to be in a position

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Speaker 5: again where I have to panic because my bread Jove's

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Speaker 5: do and that my first ten years of adulthood and

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Speaker 5: it was just so nice last year being able to

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Speaker 5: pay that and you know, not having to eat rice

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Speaker 5: and beans. So yeah, my attitude towards money now is

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Speaker 5: very much a priority and it never has been.

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Speaker 4: Yeah, I love that. It sounds like you're going through

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Speaker 4: a fair bit of progression even now, which is let's

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Speaker 4: get to that. Let's get to that. So what is

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Speaker 4: currently your big money goal.

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Speaker 5: Well, it is very much down the track. But like

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Speaker 5: most people, it would be probably to buy a house. However,

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Speaker 5: I'm not really dying to do that immediately. Like, even

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Speaker 5: if I had the house to posit available now, I

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Speaker 5: wouldn't actually buy a house because I'm not too sure

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Speaker 5: where I want to set up. But I'm aware that,

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Speaker 5: you know, future me will probably want that, So I

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Speaker 5: save for that every paycheck. It's a good amount.

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Speaker 1: So that's grown up.

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Speaker 4: I love that you're like, you know what, it's not

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Speaker 4: something I want now, but I know if you tore

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Speaker 4: me will want that. I'm like, what, that's epic. Imagine

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Speaker 4: having that level of insight.

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Speaker 3: And even if you turn around and think, oh, actually

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Speaker 3: I really don't mind not buying a house. You're going

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Speaker 3: to have all that money saved that you can add

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Speaker 3: to your super or invest or.

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Speaker 4: You know, there's or travel more.

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Speaker 1: Yeah, saving money is never a bad idea.

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Speaker 4: Like, I don't think anyone has ever been like, oh damn.

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Speaker 3: Save, I actually saved enough for a house to posit.

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Speaker 1: How terrible.

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Speaker 6: Yeah, that's it. Absolutely, Oh my gosh.

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Speaker 4: All right, you mentioned super before. But next question is

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Speaker 4: do you currently have any investments? I do very so.

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Speaker 5: This year actually, I entered the share market for the

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Speaker 5: first time, and I just invested a small amount. I

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Speaker 5: bought three shares just to get some exposure to it.

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Speaker 4: Basically, yes, I mean, this is what we love to hear.

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Speaker 5: However, in hindsight, I'm probably recognizing that that that was

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Speaker 5: potentially a bad choice because I can see myself again,

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Speaker 5: I'm not sure that potentially buying a house in within

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Speaker 5: five years. And I understand that the recommendation is not

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Speaker 5: to buy shares if you see yourself wanting to sell

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Speaker 5: within five years. But yeah, this is more about brow.

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Speaker 4: Yeah, yes and no, my friend, So I agree with

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Speaker 4: you there. And I never ever ever recommend clients invest

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Speaker 4: or people invest when they have less than five years,

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Speaker 4: just because you never know what's going to happen, right,

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Speaker 4: Like with the fluctuations of the market, it could increase

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Speaker 4: and you could be saying, well, Victoria doesn't matter, Like

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Speaker 4: I actually made money and I'm going to sell it,

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Speaker 4: and I'm now going to put it's a home, and

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Speaker 4: I've got more money than I had before, and I'd go, great,

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Speaker 4: that's fantastic. But what if it goes down and we

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Speaker 4: actually haven't had enough time to ride the waves and

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Speaker 4: we haven't had enough time for that compound interest to

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Speaker 4: really kick in. So I think it's one of those

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Speaker 4: things where if the market is down, you might actually

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Speaker 4: change your mind to go. You know what, I actually

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Speaker 4: don't want to sell those shares. I just don't want

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Speaker 4: to take it off the table. I'll wait another twelve

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Speaker 4: months and see where we're at. And it sounds like

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Speaker 4: you're a little bit flexible when it comes to, you know,

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Speaker 4: purchasing a home. There's no specific timeline, in which case

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Speaker 4: I think you're probably making the right decision for you. Obviously,

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Speaker 4: I can't say with absolute certainty because I don't know

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Speaker 4: your entire financial situation.

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Speaker 1: Yet or the future or the future.

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Speaker 4: But I think a lot of people put a lot

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Speaker 4: of pressure on themselves to, you know, make the right decisions.

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Speaker 4: But if you've learned anything, it's the Investing's not that hard,

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Speaker 4: is it not, my friend?

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Speaker 5: Yes, it's been a good journey. Two of them are

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Speaker 5: not doing well, but I feel very positive about the future,

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Speaker 5: and the other one is doing very well.

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Speaker 6: Overall, I feel good about it.

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Speaker 4: I love that. I'm going to ask you more questions

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Speaker 4: about that a little bit later. Next question is do

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Speaker 4: you currently have any debts.

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Speaker 5: I have a text set how much give us that

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Speaker 5: twenty nine thousand dollars. But I don't feel too bad

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Speaker 5: about it because I've actually I've never started paying it off,

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Speaker 5: and this year, through my work, they spoke to me

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Speaker 5: and they actually offered to make some arrangement where I

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Speaker 5: pay extra towards my tex So tax time just around

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Speaker 5: the corner. So I'm not.

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Speaker 6: Too sure exactly how much will be paid off.

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Speaker 4: But that's exciting to know that you're a little bit

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Speaker 4: more in control of it.

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Speaker 5: Yeah, but I think I've done some loose calculations, and

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Speaker 5: I reckon a fair chunk will paid off be paid off.

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Speaker 5: But the important thing is I will see it go

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Speaker 5: down for the first time in my life. Every year,

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Speaker 5: I see it go up and up.

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Speaker 4: I love that.

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Speaker 3: I've just realized we didn't ask our money dires what

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Speaker 3: she does for work and how much she earns.

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Speaker 4: Didn't I did? If that audacious of me, money diarist,

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Speaker 4: can we go back in the questions? Sure thing, Oh,

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Speaker 4: I'm so excited. All right, So what do you do

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Speaker 4: for work? And how much money do you earn?

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Speaker 5: I'm a drug and alcohol counselor, and how much I earn?

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Speaker 5: So Actually, when I started this job a year ago,

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Speaker 5: I started as a part timer, and my salary at

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Speaker 5: that time was sixty six thousand.

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Speaker 4: That's good. That was your first home time job, like

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Speaker 4: as in, like first job straight out of traveling, right, yes,

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Speaker 4: oh that's good.

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Speaker 1: Nice.

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Speaker 5: And then six months into that job, I got offered

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Speaker 5: a full time position which is.

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Speaker 6: Valued at eighty three thousand.

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Speaker 1: Woaho before super in the last.

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Speaker 4: And these women worried about being behind.

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Speaker 5: Yes, before before super so averaging out the last twelve months,

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Speaker 5: my income has been seventy four thousand, but from now

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Speaker 5: on will be eighty three thousand.

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Speaker 1: Great job, that's huge.

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Speaker 4: I love that, and I love that you're like, yep,

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Speaker 4: I'm really worried about being behind, and then you've actually

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Speaker 4: got like a baller salary. That is so good.

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Speaker 5: I think hearing that eighty thousand or eighty five thousand

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Speaker 5: is about average.

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Speaker 4: So it is, But I think that we say averages,

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Speaker 4: and then I think you'll find that across the board

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Speaker 4: it is average, but that is including everybody who has

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Speaker 4: like higher education, and it's not taking into consideration the

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Speaker 4: average population. I don't believe, and from my experience, you know,

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Speaker 4: as a financial advisor, but also you know through our community,

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Speaker 4: that's not the average of our community by any stretch

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Speaker 4: of the imagination. Like I think if I went and

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Speaker 4: looked at our stats and every single year I do

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Speaker 4: our census for our Shees on the Money community, so

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Speaker 4: I can understand you guys instead of understanding what we.

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Speaker 1: Think, Yeah, what we think the average is what they are.

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Speaker 4: Like, I'm not going to jump on the daily mail

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Speaker 4: and be like, okay, cool, well they said that the

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Speaker 4: research says it's eighty six thousand dollars a year, Like

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Speaker 4: I'll just go off that, Like no, I'd prefer Fishes

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Speaker 4: on the Money to tell me who what that is.

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Speaker 4: And our average is about fifty three thousand dollars from memory,

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Speaker 4: and that's for someone working full time, which I think

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Speaker 4: is really good. But I think we need to just

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Speaker 4: be really honest because there are going to be some

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Speaker 4: people in our community they're like wow, like eighty six

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Speaker 4: thousand dollars. Like, that's a lot of money, and I agree.

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Speaker 4: But also we all live within our means, so even

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Speaker 4: if you're on something you know higher like that, it's

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Speaker 4: actually like hard still to manage cash flow, regardless of

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Speaker 4: how much money you work.

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Speaker 3: And just having more money doesn't mean that you know

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Speaker 3: how to manage it better.

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Speaker 4: No, In fact, it can make you worse.

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Speaker 3: Well, if we're talking about managing your money, well not

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Speaker 3: h let's honest.

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Speaker 1: What's your best money habit?

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Speaker 4: Oh, my gosh, we sound the like twim.

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Speaker 5: My best money habit is that when I get paid fortnightly, basically,

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Speaker 5: I say, I put twenty percent of my money towards

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Speaker 5: a house deposit and ten percent towards a tribal account.

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Speaker 5: And my best money habit is, come hell or high.

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Speaker 6: Water, I will always.

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Speaker 5: Save that twenty percent. Oh, I will, like ninety five

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Speaker 5: percent of the time, saved the ten percent as well.

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Speaker 5: And if I don't, that really stresses me out, and

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Speaker 5: I write down what I owe myself. That's a bad account.

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Speaker 4: Who is she?

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Speaker 5: So? Yeah, very good at you know, like ninety eight

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Speaker 5: cents at the time, I'm putting that thirty percent away.

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Speaker 5: But always the twenty percent every time.

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Speaker 4: I love that.

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Speaker 3: And when you do it as soon as you get paid,

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Speaker 3: it's so much easier because you don't even notice it.

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Speaker 3: It's like how your hex gets taken away before you

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Speaker 3: pay tax and stuff, like it's gone, you don't notice it.

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Speaker 3: And if you transfer it right out rather than There's

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Speaker 3: definitely been times where I've been like, oh, I'll probably

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Speaker 3: save that money, but I'll just leave it in my

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Speaker 3: access account, and then all of a sudden, you're like, oh,

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Speaker 3: I bought a lot.

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Speaker 1: Of ice cream this month, and now my money's gone.

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Speaker 5: Yeah. Yeah, I wouldn't be able to manage because it

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Speaker 5: would definitely disappear if I just left it there, all right.

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Speaker 4: To flip this narrative for a hot second, what is

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Speaker 4: your worst money habit?

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Speaker 5: I did a lot of thinking on this. I think

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Speaker 5: my worst money habit is I am guilty of I'm

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Speaker 5: not so good at delaying gratification. If I see something

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Speaker 5: or think of something that I want, I want it

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Speaker 5: like right now, and you know maybe that won't.

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Speaker 6: Always fit into the budget so well, but I'll just.

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Speaker 5: Kind of like bite it then and then if I

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Speaker 5: have to eat rite and beans because the rest of

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Speaker 5: the week, I'll just make it work.

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Speaker 4: But that sounds like I planned it. Like that's not like, Oh,

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Speaker 4: I dipped into my savings and now I have no

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Speaker 4: money for redro. That's like, oh, I've dipped into, you know,

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Speaker 4: my spending, and now I am reallocating my spending to

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Speaker 4: make sure I can still save. Like this girl's too

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Speaker 4: smart for us.

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Speaker 5: True, but I guess it just puts stress on me, and.

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Speaker 4: I find that totally bad.

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Speaker 5: The few days leading up to pay day, I'm like,

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Speaker 5: I'm like peaching for it.

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Speaker 1: And it's that guilt as well.

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Speaker 5: Yeah, and especially for things that they're not going to

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Speaker 5: go away, like they're always going to be there. But

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Speaker 5: for some reason, I decided I need that skincare item

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Speaker 5: like yesterday.

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Speaker 4: Yeah, if it's skincare, I'm done for.

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Speaker 1: Yeah.

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Speaker 4: I spend so much money.

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Speaker 1: On I want to glow. I will spend the money.

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Speaker 4: Yes, it's so naughty, like I can't walk into like

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Speaker 4: Mecca or go on a door or anything without like

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Speaker 4: walking away with having purchased something is so annoying. It's bad.

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Speaker 4: I just really like skincare, so I feel you, my friend.

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Speaker 4: I have one last question for you before we jump

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Speaker 4: to a really quick break because I'm really excited to

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Speaker 4: ask you a whole heap of questions. So that question

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Speaker 4: is what grade would you give yourself if I forced

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Speaker 4: you to give your money habits a grade?

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Speaker 5: I would use myself a BEE. And my reason for

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Speaker 5: that is that I'm really happy with my money habits now. However,

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Speaker 5: given my net worth, what's in my bank account, I

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Speaker 5: just don't feel that that deserves an A. I'm a

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Speaker 5: B until I've got more money.

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Speaker 4: Do we agree with that, Tony? How do we feel

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Speaker 4: about that?

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Speaker 3: I think that the logic is sound, but I think

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Speaker 3: that there's a problem with the out of it being

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Speaker 3: more money. I don't think it's more money. I think

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Speaker 3: that as soon as you reallocate and you know exactly

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Speaker 3: where all of your money's sitting, and you kind of

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Speaker 3: feel like you're on track, then But I think a.

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Speaker 1: B is very fair.

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Speaker 3: I think you're because you're working towards you feeling comfortable.

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Speaker 3: It's not about me feeling comfortable or thinking it's a

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Speaker 3: good amount.

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Speaker 4: I think, yeah, I think you're on the right track. Yeah,

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Speaker 4: like absolutely on the right track. And I feel like

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Speaker 4: too many times we put too much pressure on ourselves

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Speaker 4: to have more money, and that's actually not going to

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Speaker 4: make us happier. We should just be really stoked about

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Speaker 4: the process and about making sure that we do have

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Speaker 4: everything set up. And as you said before, you're no

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Speaker 4: longer stressed about paying regro. And I feel like that's

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Speaker 4: that's a pretty gold standard of making sure that we've

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Speaker 4: got some level of financial security and financial freedom before

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Speaker 4: we get, you know, to retire an age, because not

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Speaker 4: all of us can create passive incomes right here and now,

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Speaker 4: right like that would be the dream. No, absolutely neither,

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Speaker 4: because I don't worry. Don't worry, my friend. But I

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Speaker 4: think that's that's fair.

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Speaker 5: Yeah, I feel I guess to later on on the

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Speaker 5: point a bit more like if I had thirty grand

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Speaker 5: sitting in a bank account and I was practicing the habits,

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Speaker 5: I'd be like, oh, yeah, I'm an a. But because

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Speaker 5: my bank account isn't looking super healthy, I don't feel

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Speaker 5: like that deserves the score of a.

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Speaker 4: Well, that's fair. We'll check with you in like twelve months,

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Speaker 4: and I know with the habits you've got that you'll

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Speaker 4: be there. And I'm going to ask more about your

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Speaker 4: habits right after this really quick break, All right, let's

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Speaker 4: jump straight back into it. And I have so many questions,

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Speaker 4: my friend. But the first is you said that you've

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Speaker 4: been traveling, but you've also started How did it investing?

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Speaker 4: How did you jump into that, and how did you

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Speaker 4: make the decision to start investing? But also how did

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Speaker 4: you make the decision of what to invest in? What

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Speaker 4: steps did you take?

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Speaker 5: So fortunately, my partner is very financially savvy, and one

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Speaker 5: day we were just driving around and he just started

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Speaker 5: talking to me like about the share market, kind of

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Speaker 5: out of the blue, and he was just giving me

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Speaker 5: so much information and I was just like, how.

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Speaker 6: Do you have this knowledge in your brain?

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Speaker 4: And road trips with me?

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Speaker 5: Oh god, I would love that. Anyway, this is August

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00:18:41,480 --> 00:18:44,280
Speaker 5: last year, and he suggested that I read a particular

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Speaker 5: book which gave me very good exposure to the world

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Speaker 5: of finance, and oh.

401
00:18:50,280 --> 00:18:53,320
Speaker 4: Well, someone hot tips, everybody else wants to read.

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00:18:53,160 --> 00:18:54,960
Speaker 6: It, therefore investor.

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00:18:55,200 --> 00:18:56,920
Speaker 4: Yeah, I feel like that's a good way to start.

404
00:18:57,080 --> 00:18:58,760
Speaker 4: I feel like a lot of people pick that up

405
00:18:58,800 --> 00:19:01,199
Speaker 4: as their first book and then go great, like this

406
00:19:01,520 --> 00:19:04,480
Speaker 4: is you know, a really good structure for me, And

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00:19:04,520 --> 00:19:06,639
Speaker 4: it's the structure that so many people have been craving

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00:19:06,680 --> 00:19:08,399
Speaker 4: for a really long time. I think it's great.

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Speaker 1: Plus your book wasn't out yet last August.

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00:19:10,720 --> 00:19:13,159
Speaker 4: Oh yeah, so no, no, no, bit genuinely like, I

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00:19:13,200 --> 00:19:15,680
Speaker 4: think he's done a really good job of changing financial

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00:19:15,720 --> 00:19:19,720
Speaker 4: literacy in Australia and it's just solid advice that makes

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00:19:19,760 --> 00:19:22,160
Speaker 4: you feel really comfortable and like you can do it yourself.

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Speaker 5: Right, Yes, and don't worry Victoria, your book arrived yesterday

415
00:19:25,680 --> 00:19:26,400
Speaker 5: on free order.

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00:19:26,600 --> 00:19:30,560
Speaker 4: I really did it. Actually, it's so excremely people have

417
00:19:30,640 --> 00:19:33,680
Speaker 4: my book. But also I'm just more about financial literacy.

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Speaker 4: So if you want to read Barefoot Investor, go for it.

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00:19:35,640 --> 00:19:37,440
Speaker 4: You want to read Cheese on the Money, fabulous, you

420
00:19:37,480 --> 00:19:40,040
Speaker 4: want to read all of them even better. But at

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Speaker 4: the end of the day, I'm just stoked that people

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00:19:42,040 --> 00:19:43,360
Speaker 4: read finance book.

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Speaker 1: And actually want to educate themselves.

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Speaker 4: Yet it's so good anyway, keep on keeping on.

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Speaker 5: So yeah, I got my first exposure to it then,

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Speaker 5: and over the next six months, my partner and I

427
00:19:54,440 --> 00:19:57,280
Speaker 5: would just he's sort to share portfolio and we would

428
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Speaker 5: just talk about it every so often and he would

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00:19:59,880 --> 00:20:02,080
Speaker 5: just show me like what's gone up and what's gone down.

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Speaker 5: And with the increased exposure, which just seems less.

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Speaker 6: Scary to me.

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Speaker 5: Did a bit of research on trends and things like that,

433
00:20:09,000 --> 00:20:11,440
Speaker 5: and as it turned out, you know, everything crashed about

434
00:20:11,480 --> 00:20:17,640
Speaker 5: June last year and at the beginning of coronavirus fitting serious.

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00:20:18,000 --> 00:20:24,000
Speaker 5: Things are starting to improve earlier this year. But basically,

436
00:20:24,000 --> 00:20:26,639
Speaker 5: what I chose to do was looking at shares that

437
00:20:26,760 --> 00:20:31,600
Speaker 5: had crashed post COVID, and I chose to invest into

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Speaker 5: tribal companies.

439
00:20:33,400 --> 00:20:37,160
Speaker 4: That's like a really smart thing to do. I feel like, yeah,

440
00:20:37,440 --> 00:20:39,879
Speaker 4: I didn't think of that. I wish I thought of that.

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Speaker 5: One of them actually didn't crash that much, but they

442
00:20:42,680 --> 00:20:45,239
Speaker 5: definitely did take a dip, and another one, you know,

443
00:20:45,440 --> 00:20:49,119
Speaker 5: they went down like about seventy percent, And so I

444
00:20:49,160 --> 00:20:51,640
Speaker 5: invested in those thinking one day of the world will

445
00:20:51,680 --> 00:20:54,160
Speaker 5: be back to normal, and I think, you know, when

446
00:20:54,200 --> 00:20:55,080
Speaker 5: the world opens up.

447
00:20:55,000 --> 00:20:56,720
Speaker 6: People are going to want to travel more than ever.

448
00:20:56,880 --> 00:21:01,080
Speaker 3: So smart that is thus hardest thing up over here.

449
00:21:01,359 --> 00:21:04,080
Speaker 4: It's really intelligent. Yeah, I feel like a lot of

450
00:21:04,080 --> 00:21:06,800
Speaker 4: people during corona, like we're looking at the stock market

451
00:21:06,800 --> 00:21:09,400
Speaker 4: and picking shares based on that. And you know, I'm

452
00:21:09,440 --> 00:21:13,320
Speaker 4: not unprovy to that because in financial advisorland, we definitely

453
00:21:13,320 --> 00:21:16,919
Speaker 4: were having conversations about that. But me personally, I didn't

454
00:21:16,920 --> 00:21:20,800
Speaker 4: think to buy any for myself. Why silly, I know,

455
00:21:21,160 --> 00:21:23,040
Speaker 4: I was just caring about everybody else. I was like,

456
00:21:23,040 --> 00:21:25,040
Speaker 4: all right, so my client portfolios look like X and

457
00:21:25,080 --> 00:21:26,639
Speaker 4: why and we need to do this and this is

458
00:21:26,640 --> 00:21:28,480
Speaker 4: how we're going to protect our assets, and you know,

459
00:21:28,560 --> 00:21:30,840
Speaker 4: you kind of go into damage control. And I remember

460
00:21:30,840 --> 00:21:32,879
Speaker 4: when it started hitting and I'm working from hoping like

461
00:21:33,119 --> 00:21:35,200
Speaker 4: my clients are going to lose it, and then everything

462
00:21:35,280 --> 00:21:37,560
Speaker 4: was all fine, and you know, everything is I wouldn't

463
00:21:37,560 --> 00:21:40,640
Speaker 4: say sunshine and roses, but it's much more comfortable because

464
00:21:40,680 --> 00:21:43,040
Speaker 4: the world knows how to deal with Corona, Like I mean,

465
00:21:43,240 --> 00:21:46,080
Speaker 4: we don't know the outcome or how long lasting the

466
00:21:46,119 --> 00:21:49,080
Speaker 4: impacts are going to be. And obviously there's been significant

467
00:21:49,080 --> 00:21:51,760
Speaker 4: financial impact for so many people. But I remember at

468
00:21:51,760 --> 00:21:54,240
Speaker 4: the start of it as a financial advisor being like

469
00:21:54,800 --> 00:21:55,360
Speaker 4: strap in.

470
00:21:55,640 --> 00:21:58,040
Speaker 1: We have a lot most go now for sure, Yeah, we.

471
00:21:58,040 --> 00:22:00,280
Speaker 4: Know so much more. But I feel like that was

472
00:22:00,320 --> 00:22:03,120
Speaker 4: a risk, and that was a cool risk that arguably

473
00:22:03,160 --> 00:22:04,720
Speaker 4: is paying off. My friend, especially for.

474
00:22:04,680 --> 00:22:08,440
Speaker 1: A first time investor, that's real risk.

475
00:22:08,880 --> 00:22:11,479
Speaker 4: What led you to make such a risky decision instead

476
00:22:11,480 --> 00:22:14,200
Speaker 4: of picking something like a managed fund or an ETF

477
00:22:14,359 --> 00:22:16,560
Speaker 4: or even something that felt a little bit more stable.

478
00:22:17,119 --> 00:22:21,600
Speaker 5: Well, one of the companies I invested in was Quantus,

479
00:22:21,960 --> 00:22:24,800
Speaker 5: so they were the one that took less of a dip,

480
00:22:24,920 --> 00:22:28,240
Speaker 5: but a dip regardless. And I just I mean, I

481
00:22:28,240 --> 00:22:31,120
Speaker 5: could totally be wrong, but I just feel that Quantus

482
00:22:31,200 --> 00:22:34,000
Speaker 5: is a really key Australian company and I just feel

483
00:22:34,000 --> 00:22:34,520
Speaker 5: it they'll.

484
00:22:34,280 --> 00:22:34,920
Speaker 6: Never go away.

485
00:22:34,960 --> 00:22:37,119
Speaker 5: And I could be wrong that there's no guarantee with

486
00:22:37,200 --> 00:22:41,000
Speaker 5: the share market, of course. And flight Center I invested in,

487
00:22:41,880 --> 00:22:44,040
Speaker 5: and my theory with them was that even if they

488
00:22:44,119 --> 00:22:47,080
Speaker 5: christ gets up to only half of what it was

489
00:22:47,119 --> 00:22:54,440
Speaker 5: at its peak, I've still doubled my money, so doubled. Yes,

490
00:22:55,119 --> 00:22:57,520
Speaker 5: And I'm not sure what you'll think about this. Probably

491
00:22:58,320 --> 00:23:00,320
Speaker 5: you won't look at this favorably. Thought.

492
00:23:01,200 --> 00:23:03,960
Speaker 4: I love how people are like Victoria Devine will judge us,

493
00:23:04,040 --> 00:23:06,119
Speaker 4: and then everyone who actually knows me is like the

494
00:23:06,200 --> 00:23:08,760
Speaker 4: last person to judge us is going to be Victoria Vine.

495
00:23:10,119 --> 00:23:10,199
Speaker 3: No.

496
00:23:10,320 --> 00:23:11,680
Speaker 1: I can guess what's coming.

497
00:23:11,800 --> 00:23:16,239
Speaker 4: Yeah, she's going to say Cryptos, No, what is it?

498
00:23:16,280 --> 00:23:16,639
Speaker 4: What is it?

499
00:23:17,440 --> 00:23:20,720
Speaker 5: Last month I invested in after Pay when it's a bit.

500
00:23:21,720 --> 00:23:25,360
Speaker 4: All right, interesting choice. It's in a lot of portfolios.

501
00:23:25,400 --> 00:23:27,680
Speaker 4: At the moment, a lot of ETFs hold after pay.

502
00:23:28,240 --> 00:23:30,760
Speaker 4: I feel like I've said this on the podcast before,

503
00:23:31,240 --> 00:23:33,879
Speaker 4: I don't agree with consumers using it because it's a

504
00:23:33,880 --> 00:23:36,800
Speaker 4: slippertty slope, right, Like, it's not something that you know,

505
00:23:36,920 --> 00:23:39,880
Speaker 4: if I got after pay, I think personally i'd struggle

506
00:23:39,960 --> 00:23:42,080
Speaker 4: because I wouldn't be able to see the full numbers.

507
00:23:42,080 --> 00:23:44,280
Speaker 4: And I'm someone who you know, I'm actually just better

508
00:23:44,320 --> 00:23:45,960
Speaker 4: with cash, and I know how much is in my

509
00:23:46,000 --> 00:23:48,080
Speaker 4: bank account, so I know how much I can spend.

510
00:23:48,440 --> 00:23:51,920
Speaker 4: But when it comes to an actual company, it's brilliantly run,

511
00:23:52,240 --> 00:23:55,000
Speaker 4: like it's a great company with so much scope and

512
00:23:55,080 --> 00:23:57,000
Speaker 4: so much growth. And I think that over the next

513
00:23:57,000 --> 00:23:59,080
Speaker 4: few years as well, we're only going to see it

514
00:23:59,160 --> 00:24:02,000
Speaker 4: increase inside because as much as she's on the money

515
00:24:02,200 --> 00:24:05,159
Speaker 4: doesn't love it and doesn't advocate for it, people are

516
00:24:05,160 --> 00:24:07,959
Speaker 4: still using it. They're still increasing their consumers, they are

517
00:24:08,000 --> 00:24:11,320
Speaker 4: still increasing their profit margins, they are increasing their product

518
00:24:11,400 --> 00:24:14,160
Speaker 4: offerings as well, like they're going I'm pretty sure they're

519
00:24:14,200 --> 00:24:17,080
Speaker 4: going into the banking space next, which is wild.

520
00:24:17,480 --> 00:24:19,879
Speaker 5: I just feel like it's growing, like it's had, you know,

521
00:24:20,040 --> 00:24:22,359
Speaker 5: massive growth since it started. You know, you see on

522
00:24:22,400 --> 00:24:26,680
Speaker 5: websites and stuff like now have after pay, We've nearly

523
00:24:26,760 --> 00:24:29,479
Speaker 5: got after pay, and it just seems like it's something

524
00:24:29,520 --> 00:24:32,639
Speaker 5: that more and more businesses are incorporating. So you know,

525
00:24:32,760 --> 00:24:35,760
Speaker 5: that makes me think it's growing. And I know you

526
00:24:35,800 --> 00:24:37,440
Speaker 5: won't like this, but it's up to stop.

527
00:24:37,240 --> 00:24:39,600
Speaker 4: Saying I won't like it. I really love that you're

528
00:24:39,640 --> 00:24:43,240
Speaker 4: making decisions based on research that you're doing, not just

529
00:24:43,359 --> 00:24:46,280
Speaker 4: research of the company, but you're looking at it from

530
00:24:46,440 --> 00:24:49,240
Speaker 4: a consumer perspective, and you're like, that's pretty prevalent. I

531
00:24:49,280 --> 00:24:52,240
Speaker 4: feel like I will support that, and I understand how

532
00:24:52,240 --> 00:24:55,320
Speaker 4: it's rolling out, like you sound really educated on what

533
00:24:55,359 --> 00:24:57,879
Speaker 4: you're talking about. Ye, I love it. It makes me

534
00:24:57,960 --> 00:25:00,000
Speaker 4: so excited, Like, don't say I wouldn't agree with it,

535
00:25:00,080 --> 00:25:02,280
Speaker 4: because at the end of the day, if you're saying, look,

536
00:25:02,560 --> 00:25:04,399
Speaker 4: I feel like I value that, I'm not going to

537
00:25:04,480 --> 00:25:06,080
Speaker 4: argue with you. Who am I to tell you that

538
00:25:06,119 --> 00:25:09,000
Speaker 4: your values aren't right? Like that would be rude.

539
00:25:09,680 --> 00:25:09,920
Speaker 6: Yeah.

540
00:25:10,200 --> 00:25:14,679
Speaker 5: I happen to like the company and totally understand not,

541
00:25:14,920 --> 00:25:17,000
Speaker 5: you know, investing in things that don't align.

542
00:25:16,640 --> 00:25:17,360
Speaker 6: To your values.

543
00:25:17,400 --> 00:25:19,359
Speaker 5: But I actually use after pay and I feel that

544
00:25:19,400 --> 00:25:23,600
Speaker 5: I use it very responsibly and that I never over

545
00:25:23,720 --> 00:25:26,879
Speaker 5: purchased on it or anything. It's just as a cash

546
00:25:26,920 --> 00:25:31,399
Speaker 5: flow management system. Sometimes I'll have to make two two

547
00:25:31,480 --> 00:25:34,800
Speaker 5: hundred dollars purchases in a fortnight and you know, instead

548
00:25:34,800 --> 00:25:38,520
Speaker 5: of just whacking out four hundred bucks from my fortnightly budget,

549
00:25:39,160 --> 00:25:41,000
Speaker 5: it's only one hundred, which just like feels so much

550
00:25:41,000 --> 00:25:41,680
Speaker 5: more manageable.

551
00:25:41,840 --> 00:25:44,520
Speaker 4: Yeah, which I agree with. So I think that that's

552
00:25:44,560 --> 00:25:48,040
Speaker 4: really important to actually talk about here. I've never said

553
00:25:48,200 --> 00:25:50,360
Speaker 4: I do not love after pay full stop. No one

554
00:25:50,359 --> 00:25:52,399
Speaker 4: should use it. If you're using it in line with

555
00:25:52,480 --> 00:25:55,159
Speaker 4: your values and actually using it as a cashlow and

556
00:25:55,160 --> 00:25:58,520
Speaker 4: budgeting tool, fantastic. I think I've spoken Tony about it

557
00:25:58,560 --> 00:26:01,720
Speaker 4: on the podcast before. My best friend uses it a lot,

558
00:26:02,000 --> 00:26:04,720
Speaker 4: she's great with it. I couldn't trust me with it, though,

559
00:26:05,080 --> 00:26:07,240
Speaker 4: Like I know, it would be a really slippery slope.

560
00:26:07,280 --> 00:26:09,920
Speaker 4: I know I would spend more money because.

561
00:26:09,560 --> 00:26:12,080
Speaker 1: I'd be like, oh, well, I'm very trugger happy.

562
00:26:12,320 --> 00:26:15,640
Speaker 4: Yes, Sayer. And I feel like it sounds so silly,

563
00:26:15,880 --> 00:26:19,639
Speaker 4: but even when I've had like store credits, I suddenly

564
00:26:19,760 --> 00:26:22,080
Speaker 4: I'll go, all right, two hundred dollars dress, Oh that's

565
00:26:22,119 --> 00:26:25,320
Speaker 4: pretty expensive. But then somehow, if I've got a store credit,

566
00:26:25,359 --> 00:26:27,880
Speaker 4: I'm unable to see the difference between a two hundred

567
00:26:27,920 --> 00:26:29,720
Speaker 4: dollar dress and a two hundred and fifty dollar dress.

568
00:26:29,720 --> 00:26:31,960
Speaker 4: I'm like, oh, well they're about the same, right, No,

569
00:26:32,560 --> 00:26:34,879
Speaker 4: there's fifty dollars difference. And I know that if I

570
00:26:34,920 --> 00:26:37,800
Speaker 4: had after pay, which I have never had, I would

571
00:26:37,840 --> 00:26:39,480
Speaker 4: just pick the two hundred and fifty dollars one, because

572
00:26:39,520 --> 00:26:42,240
Speaker 4: every oh what's the difference? Yeah, And I know other

573
00:26:42,280 --> 00:26:44,800
Speaker 4: people do that, and that's the mentality behind it, right,

574
00:26:44,880 --> 00:26:48,639
Speaker 4: that's the psychology behind using something like after pay or

575
00:26:48,680 --> 00:26:51,960
Speaker 4: to be honest like any other by now pay later company,

576
00:26:52,200 --> 00:26:55,040
Speaker 4: you just go okay, cool, Well that mentality works. But

577
00:26:55,119 --> 00:26:57,399
Speaker 4: for someone like you money direst You're like, no, like

578
00:26:57,480 --> 00:26:59,240
Speaker 4: I just use it as a cashulo and budgeting tool.

579
00:26:59,280 --> 00:27:03,520
Speaker 4: And I'm like, you, my friend, are stronger than I am.

580
00:27:03,560 --> 00:27:08,119
Speaker 3: Moving on from your investments though, so obviously you spent

581
00:27:08,840 --> 00:27:11,600
Speaker 3: a bit of time overseas. You ended up living overseas

582
00:27:11,640 --> 00:27:14,239
Speaker 3: by accident, and you said that that's led you to

583
00:27:14,600 --> 00:27:17,320
Speaker 3: compare yourself a little bit to your friends that are

584
00:27:17,359 --> 00:27:19,200
Speaker 3: I mean, you're twenty nine, I'm twenty seven.

585
00:27:19,400 --> 00:27:21,520
Speaker 1: I'm twenty nine, you're twenty nine as well.

586
00:27:22,240 --> 00:27:26,119
Speaker 3: I know that every person that I'm friends with on

587
00:27:26,119 --> 00:27:28,199
Speaker 3: Facebook or Instagram is like, oh, we just bought a

588
00:27:28,200 --> 00:27:30,239
Speaker 3: house or got a dog or having a baby, and

589
00:27:30,280 --> 00:27:32,320
Speaker 3: it is really hard to not compare yourself.

590
00:27:32,600 --> 00:27:36,240
Speaker 1: I guess do you feel that there is merit to

591
00:27:36,280 --> 00:27:36,800
Speaker 1: what you did?

592
00:27:36,840 --> 00:27:39,520
Speaker 3: Because there is, you know, you gained all that life

593
00:27:39,640 --> 00:27:42,920
Speaker 3: experience and maybe you weren't working and saving your super

594
00:27:43,000 --> 00:27:45,360
Speaker 3: or whatever. But money can always be earned. Is that

595
00:27:45,440 --> 00:27:47,080
Speaker 3: like kind of how you still feel.

596
00:27:48,760 --> 00:27:52,600
Speaker 5: I don't regret going overseas at all. So one of

597
00:27:52,640 --> 00:27:55,639
Speaker 5: those of you guy actually earned pretty good money, but

598
00:27:56,280 --> 00:28:01,280
Speaker 5: I completely wasted it. Like I had the same job

599
00:28:01,440 --> 00:28:05,959
Speaker 5: as several of my friends that they managed their money

600
00:28:06,680 --> 00:28:08,560
Speaker 5: like I just never had any money, and yet we

601
00:28:08,600 --> 00:28:12,680
Speaker 5: had the same experiences that you know, they were able

602
00:28:12,720 --> 00:28:16,280
Speaker 5: to save money at the same time. And honestly, I

603
00:28:16,359 --> 00:28:19,520
Speaker 5: just like was so disorganized overseas.

604
00:28:19,000 --> 00:28:21,280
Speaker 6: And I just like had no.

605
00:28:23,200 --> 00:28:26,000
Speaker 5: I was But where I went wrong was the same

606
00:28:26,000 --> 00:28:28,080
Speaker 5: amount of money as a whole out to my friends,

607
00:28:28,080 --> 00:28:30,920
Speaker 5: and yet they were able to save money. So it's

608
00:28:30,960 --> 00:28:33,840
Speaker 5: not that they made sacrifices like we had the exact

609
00:28:33,880 --> 00:28:38,680
Speaker 5: same lifestyle. It's just that they manage things better. And

610
00:28:39,200 --> 00:28:41,640
Speaker 5: I'm embarrassed to say that, like, I think that so

611
00:28:41,880 --> 00:28:46,560
Speaker 5: much of my money disappeared on takeaway food and taxis.

612
00:28:46,800 --> 00:28:47,520
Speaker 6: I think if I.

613
00:28:47,560 --> 00:28:49,880
Speaker 5: Was just a bit more organized with meal prep and transport,

614
00:28:50,320 --> 00:28:52,880
Speaker 5: I would suddenly have like thousands of dollars more.

615
00:28:53,200 --> 00:28:55,640
Speaker 4: I agree, But I also think that we can't be

616
00:28:55,840 --> 00:28:58,360
Speaker 4: harsh on past us. We can't judge them for the

617
00:28:58,400 --> 00:29:01,040
Speaker 4: decisions that they made, because I think that at that

618
00:29:01,160 --> 00:29:03,280
Speaker 4: time you were making the right decision for you and

619
00:29:03,320 --> 00:29:05,240
Speaker 4: you were just living your life. And to be honest,

620
00:29:05,520 --> 00:29:07,800
Speaker 4: sometimes we need to go through things like that to

621
00:29:07,880 --> 00:29:11,800
Speaker 4: actually start valuing saving money. Because you know, let's take

622
00:29:11,840 --> 00:29:14,440
Speaker 4: ourselves back to maybe that taxi that you took because

623
00:29:14,480 --> 00:29:16,600
Speaker 4: you had some drinks out with the girls. If I

624
00:29:16,640 --> 00:29:18,960
Speaker 4: was sitting beside you in that taxi and I said, hey,

625
00:29:19,200 --> 00:29:21,880
Speaker 4: you should actually be saving you'll probably tell me to

626
00:29:21,920 --> 00:29:23,880
Speaker 4: jump out of the taxi that you're not interested in

627
00:29:23,960 --> 00:29:25,840
Speaker 4: You're living your best life. Like I think that we

628
00:29:25,960 --> 00:29:27,960
Speaker 4: actually have to be ready to hear the advice and

629
00:29:28,040 --> 00:29:31,720
Speaker 4: actually want the advice. And I often find, obviously because

630
00:29:31,720 --> 00:29:35,560
Speaker 4: I took about money every single day, that people are

631
00:29:35,560 --> 00:29:38,040
Speaker 4: sometimes just not ready and you might not have been ready.

632
00:29:38,080 --> 00:29:40,040
Speaker 4: And I think that that's okay, but we can't just

633
00:29:40,080 --> 00:29:43,200
Speaker 4: be harsh on past us for making decisions that current

634
00:29:43,280 --> 00:29:45,440
Speaker 4: you would have, Like I know, current you would have

635
00:29:45,480 --> 00:29:49,640
Speaker 4: saved past you might not have. That's okay, but don't go, oh,

636
00:29:49,720 --> 00:29:52,080
Speaker 4: I'm so embarrassed about that. Like I have done so

637
00:29:52,160 --> 00:29:55,160
Speaker 4: many embarrassing things, but I think that they've really helped

638
00:29:55,160 --> 00:29:57,840
Speaker 4: me create who I am today and created the values

639
00:29:57,880 --> 00:30:00,760
Speaker 4: I have today. And potentially you having gone through that

640
00:30:00,880 --> 00:30:03,400
Speaker 4: means that's why you're so good at budget and cashlow now,

641
00:30:03,400 --> 00:30:06,120
Speaker 4: it's probably why after pays not an issue for you.

642
00:30:06,200 --> 00:30:08,360
Speaker 4: It's probably why you're going you know what, I actually

643
00:30:08,440 --> 00:30:10,760
Speaker 4: think that I'm a bee, not an A plus because

644
00:30:10,760 --> 00:30:13,760
Speaker 4: I want more money in my accounts. Like, your mindset

645
00:30:13,960 --> 00:30:16,320
Speaker 4: isn't fixed, it changes over time, And I think that

646
00:30:16,320 --> 00:30:20,040
Speaker 4: that's a really beautiful story of how you have been there.

647
00:30:20,080 --> 00:30:21,960
Speaker 4: But like, I just don't want you to be embarrassed

648
00:30:21,960 --> 00:30:24,320
Speaker 4: of that. That's not something to be embarrassed by by

649
00:30:24,400 --> 00:30:25,800
Speaker 4: any stretch of the imagination.

650
00:30:26,480 --> 00:30:30,760
Speaker 5: Oh no, I'm definitely definitely forgive myself for everything, but

651
00:30:31,400 --> 00:30:34,280
Speaker 5: I yeah, I just see the missed opportunity. I came

652
00:30:34,320 --> 00:30:35,240
Speaker 5: back flat broke.

653
00:30:36,840 --> 00:30:38,880
Speaker 4: Yeah, but I'm pretty sure you had a good time,

654
00:30:39,040 --> 00:30:40,720
Speaker 4: and I don't want you to be upset with it,

655
00:30:40,840 --> 00:30:43,120
Speaker 4: and to be honest, from what it sounds like, with

656
00:30:43,200 --> 00:30:46,120
Speaker 4: what you're doing with your super and your hexteat and

657
00:30:46,280 --> 00:30:48,280
Speaker 4: the savings that you're making and the fact that you're

658
00:30:48,360 --> 00:30:53,240
Speaker 4: saving non negotiably twenty percent, like what not many twenty

659
00:30:53,320 --> 00:30:55,080
Speaker 4: nine year olds could say that they can do that.

660
00:30:55,120 --> 00:30:57,640
Speaker 4: And sometimes, especially in the She's on the Money community,

661
00:30:58,200 --> 00:31:01,239
Speaker 4: we forget that it's the life as voices that get

662
00:31:01,320 --> 00:31:04,320
Speaker 4: the most exposure. So like we'll have money dires who

663
00:31:04,320 --> 00:31:07,720
Speaker 4: have bought houses, or we might have you know, people

664
00:31:07,720 --> 00:31:10,000
Speaker 4: in the Facebook group that are willing to comment. But

665
00:31:10,120 --> 00:31:12,520
Speaker 4: I think we need to remember that sometimes if you're

666
00:31:12,560 --> 00:31:15,440
Speaker 4: feeling flat, or you're feeling embarrassed about your situation, or

667
00:31:15,480 --> 00:31:16,880
Speaker 4: you're not ready to talk about it, you're not going

668
00:31:16,920 --> 00:31:18,480
Speaker 4: to be putting your hand up and being like, hey,

669
00:31:18,560 --> 00:31:21,080
Speaker 4: I'm twenty nine and I don't feel like I've done enough.

670
00:31:21,240 --> 00:31:23,880
Speaker 4: Like people don't usually come out with those stories. It's

671
00:31:23,920 --> 00:31:27,040
Speaker 4: like social media. Because it is social media, you kind

672
00:31:27,040 --> 00:31:29,400
Speaker 4: of only see the highlight reel. And as much as

673
00:31:29,400 --> 00:31:32,120
Speaker 4: our community is so open and honest and generous, and

674
00:31:32,160 --> 00:31:34,240
Speaker 4: I'm so grateful for the stories that we get even

675
00:31:34,240 --> 00:31:36,360
Speaker 4: when they're like, hey, I'm struggling a bit, how can

676
00:31:36,440 --> 00:31:38,800
Speaker 4: I do this? And I feel like our community jumps

677
00:31:38,840 --> 00:31:40,480
Speaker 4: on board and they're like, oh my gosh, all right, Tony,

678
00:31:40,520 --> 00:31:42,200
Speaker 4: this is what you should do, and you know, I'll

679
00:31:42,200 --> 00:31:43,920
Speaker 4: give you this advice or I can help you, and

680
00:31:43,960 --> 00:31:47,000
Speaker 4: it's just it's so kind. But it's not actually that

681
00:31:47,120 --> 00:31:49,400
Speaker 4: common for people to put their hands up and go, hey, like,

682
00:31:49,520 --> 00:31:51,120
Speaker 4: I'm not where I want to be and I'm struggling

683
00:31:51,160 --> 00:31:53,760
Speaker 4: a little bit. And I think that it's really beautiful

684
00:31:53,800 --> 00:31:56,360
Speaker 4: that you're saying that, But I also think that you know,

685
00:31:56,720 --> 00:31:59,720
Speaker 4: it's also really easy to only hear the loudest voices.

686
00:32:00,080 --> 00:32:02,320
Speaker 3: I also love that you said you've forgiven yourself for

687
00:32:02,360 --> 00:32:04,600
Speaker 3: that time and you've learned from it, which it sounds

688
00:32:04,600 --> 00:32:06,760
Speaker 3: like it has sounds like you're absolutely killing it and

689
00:32:07,000 --> 00:32:09,480
Speaker 3: you're on your way to real financial success. So it's

690
00:32:09,480 --> 00:32:12,959
Speaker 3: been amazing listening to your story from someone who traveled

691
00:32:13,000 --> 00:32:14,760
Speaker 3: a lot and is now you know, getting their A

692
00:32:14,920 --> 00:32:17,360
Speaker 3: into g It's like, it's really cool, Thank.

693
00:32:17,200 --> 00:32:20,320
Speaker 5: You very much. I'm yeah, so happy to be able

694
00:32:20,360 --> 00:32:25,040
Speaker 5: to talk with you guys today. And I suppose like

695
00:32:25,160 --> 00:32:28,600
Speaker 5: my view when I was getting exposed to the financial world,

696
00:32:28,720 --> 00:32:32,280
Speaker 5: was that I wasn't able to catch up, like that

697
00:32:32,320 --> 00:32:36,680
Speaker 5: I'd really made sacrifices and I would forever stuff at

698
00:32:36,680 --> 00:32:40,959
Speaker 5: the consequences. But I think today, I know it sounds

699
00:32:41,000 --> 00:32:45,240
Speaker 5: like maybe you're thinking that I perhaps am in a

700
00:32:45,360 --> 00:32:47,120
Speaker 5: position where I am able to catch up.

701
00:32:47,560 --> 00:32:49,760
Speaker 1: Well, yeah, you're able.

702
00:32:49,520 --> 00:32:52,080
Speaker 4: To catch up. I think you'll surpass so many things,

703
00:32:52,120 --> 00:32:54,200
Speaker 4: like the fact that you don't have any You've gone

704
00:32:54,240 --> 00:32:56,120
Speaker 4: through all this travel, right, but you don't have any

705
00:32:56,160 --> 00:32:58,400
Speaker 4: consumer debt, you don't have any personal debt. The only

706
00:32:58,480 --> 00:33:01,080
Speaker 4: date you've said you had was hex. Like, that's such

707
00:33:01,120 --> 00:33:03,000
Speaker 4: a good position to be in. It sounds like you're

708
00:33:03,000 --> 00:33:05,760
Speaker 4: going to absolutely kill it. Like I'm so excited about

709
00:33:05,800 --> 00:33:07,640
Speaker 4: this and you probably just can't see it yet.

710
00:33:08,960 --> 00:33:09,800
Speaker 5: Thank you very much.

711
00:33:09,880 --> 00:33:12,120
Speaker 4: I think that's the perfect place to leave it. So,

712
00:33:12,400 --> 00:33:14,440
Speaker 4: just before we head off, we'd like to acknowledge and

713
00:33:14,520 --> 00:33:18,320
Speaker 4: pay respect to Australia's Aboriginal and torrest Rate islander peoples,

714
00:33:18,360 --> 00:33:21,600
Speaker 4: the traditional custodians of the lands, the waterways and the

715
00:33:21,600 --> 00:33:24,840
Speaker 4: skies all across Australia. We thank you for sharing and

716
00:33:24,880 --> 00:33:26,920
Speaker 4: for caring for the land on which we are able

717
00:33:26,960 --> 00:33:30,040
Speaker 4: to learn. We pay respects to elders past and present,

718
00:33:30,080 --> 00:33:32,600
Speaker 4: and we share our friendship and our kindness.

719
00:33:32,920 --> 00:33:35,480
Speaker 3: The advice shared on She's on the Money is generally

720
00:33:35,560 --> 00:33:39,240
Speaker 3: nature and does not consider your individual circumstances. She's on

721
00:33:39,280 --> 00:33:42,240
Speaker 3: the Money exists purely for educational purposes and should not

722
00:33:42,280 --> 00:33:45,240
Speaker 3: be relied upon to make an investment or financial decision,

723
00:33:45,600 --> 00:33:48,760
Speaker 3: and we promise. Victoria Devine is an authorized representative of

724
00:33:48,800 --> 00:33:52,520
Speaker 3: Australia Pacific Funds Management Proprietary Limited ABN three four one

725
00:33:52,560 --> 00:33:55,560
Speaker 3: three two four six three two five seven AFSL three

726
00:33:55,600 --> 00:33:58,880
Speaker 3: three eight nine one five one. Thank you so much

727
00:33:58,920 --> 00:34:01,239
Speaker 3: for listening today. If you aren't already part of our

728
00:34:01,240 --> 00:34:05,160
Speaker 3: Facebook group, please join us and one hundred and seventy

729
00:34:05,240 --> 00:34:08,400
Speaker 3: thousand other money fanatics that are part of our group.

730
00:34:09,239 --> 00:34:10,760
Speaker 1: You can also join us on Instagram.

731
00:34:11,400 --> 00:34:13,200
Speaker 4: By the way, it's one hundred and eighty thousand.

732
00:34:13,280 --> 00:34:18,520
Speaker 3: But okay, pardon me, sorry, gosh dot I pay this week?

733
00:34:18,680 --> 00:34:21,439
Speaker 4: Yeah, look, keep up with the times, Tonal Roddy.

734
00:34:21,680 --> 00:34:23,840
Speaker 3: You can also join us on Instagram at She's on

735
00:34:23,880 --> 00:34:26,239
Speaker 3: the Money AUS and don't forget to rate, review, and

736
00:34:26,280 --> 00:34:28,719
Speaker 3: subscribe this podcast if you love it or if you

737
00:34:28,760 --> 00:34:31,160
Speaker 3: don't because it does help us grow and you know,

738
00:34:31,280 --> 00:34:32,799
Speaker 3: helps other people find us.

739
00:34:33,160 --> 00:34:36,640
Speaker 4: Yeah, I love that. I feel like you just sounded

740
00:34:36,840 --> 00:34:40,320
Speaker 4: like a flight attendant. Oh really you were like, Okay,

741
00:34:40,400 --> 00:34:42,799
Speaker 4: thank you so much for flying Quantas. We hope you

742
00:34:42,920 --> 00:34:46,879
Speaker 4: enjoyed giving us your business or whatever they say.

743
00:34:46,920 --> 00:34:49,799
Speaker 3: Should I do it next time? I'll do the end

744
00:34:49,880 --> 00:34:52,320
Speaker 3: part with more of a voiceover voice.

745
00:34:52,480 --> 00:34:54,200
Speaker 4: Yeah, like it's a full voiceover voice.

746
00:34:54,400 --> 00:34:56,760
Speaker 3: The advice shared on She's on the Money is generally

747
00:34:56,880 --> 00:34:59,880
Speaker 3: nature and does not consider your individual circumstances.

748
00:35:00,080 --> 00:35:02,080
Speaker 1: I know, I sound like I'm reading the time totally.

749
00:35:02,200 --> 00:35:04,759
Speaker 4: Any are now going to dimmer lights for take off?

750
00:35:04,880 --> 00:35:06,720
Speaker 4: If you're scared of the dark or that the boogey

751
00:35:06,760 --> 00:35:09,320
Speaker 4: Man will get you, don't worry, he only flies Jet.

752
00:35:09,120 --> 00:35:12,560
Speaker 1: Star Like, oh you think I work on Quantos? Bougie?

753
00:35:12,600 --> 00:35:14,560
Speaker 4: You love boogie all right?

754
00:35:14,680 --> 00:35:16,160
Speaker 1: Love you see you next week, bo