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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money. The podcast

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Speaker 4: makes personal finance fun, especially on Fridays. It's our favorite

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Speaker 4: day of the week because we get the team together

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Speaker 4: and we get to celebrate you, our beautiful She's on

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Speaker 4: the Money community, Miss Jessicarci, She's going to be sharing

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Speaker 4: our favorite money ins. Miss beck Say It is going

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Speaker 4: to be sharing her broke tips, and we're going to

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Speaker 4: be helping to answer a money dilemma, which is all

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Speaker 4: about finance options for a new car and something that

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Speaker 4: you slid into Our dms about this week a child

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Speaker 4: support drama with your ex. I always find those so juicy.

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Speaker 4: Oh like it just it blows my mind how messy

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Speaker 4: they can get.

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Speaker 2: It just makes me angry.

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Speaker 5: Yess can say, I'm already kind of boiling.

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Speaker 4: Can we not just put our stuff aside and care

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Speaker 4: about this kid genuinely?

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Speaker 2: Anyway? Before we get their guys, how were your weeks?

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Speaker 6: You go, oh, long weekend? What can we say? It's

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Speaker 6: just sonics they being like a three day weekend.

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Speaker 2: I just love extra time off, isn't it so?

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Speaker 6: And it's crazy how like you'd think an extra day

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Speaker 6: wouldn't make that much difference, but it does.

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Speaker 2: It feels like a week somehow, you know what I mean.

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Speaker 2: It's crazy. So I'm feeling good. That's really nice.

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Speaker 5: You had to work in Brisbane. I'm like, I can't

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Speaker 5: talk about this because I'm already gotting. I just I

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Speaker 5: feel like an anger or something like it, like because

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Speaker 5: there's no public holiday in Brisbane, and I was like, oh,

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Speaker 5: I well, for context for everyone, I covered someone's shift

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Speaker 5: in Brisbane and so I was like, cool, whatever, And

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Speaker 5: then I realized that everyone at home has a public holiday.

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Speaker 2: No, no, no, yeah, I came.

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Speaker 6: Great.

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Speaker 4: No, sorry, your contract is a Victorian contract. In fact,

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Speaker 4: you probably should be getting public holiday rates.

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Speaker 6: Okay.

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Speaker 2: Gives them the option to be like, you can either

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Speaker 2: pay me a public holiday rates, you can give me

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Speaker 2: a which you give me your emails, I will send

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Speaker 2: youselfing sassy for you Enjuel.

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Speaker 5: Okay, well that makes me feel better, but otherwise, you know,

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Speaker 5: it was really it was actually a fine weekend. My

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Speaker 5: girlfriend was in Queensland the same time that I had

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Speaker 5: to work in Queensland, and so like it worked out

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Speaker 5: really well. That's actually so cute. I still do have phomo.

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Speaker 5: I have such a sickening fomo. But anyway, what can

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Speaker 5: you do.

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Speaker 2: You just gotta live with it. What about you?

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Speaker 6: Fee?

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Speaker 2: How'd you we live?

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Speaker 1: Love? Laugh?

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Speaker 4: Honestly, just having more time to chill out. I feel

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Speaker 4: like we've been trying so hard to get ahead on

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Speaker 4: like content and work that I was just like, I'm

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Speaker 4: excited to have an additional day off. Although I'm not

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Speaker 4: used to saying King's Birthday.

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Speaker 2: Like it just it doesn't roll off the tongue.

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Speaker 4: No Queen's birthday, And I mean that makes sense because

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Speaker 4: she was the queene for so long. King's birthday.

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Speaker 2: It just doesn't. She feels fake. Yes makes yeah, it's.

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Speaker 4: A woman, I say, really, I want another public holidays

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Speaker 4: celebrating women anyway, Would you guys like a five star

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Speaker 4: review because I've got a good one.

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Speaker 2: Yes, I've got a really good one. So this one

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Speaker 2: is from Mike Loud's longtime listener soon to be mother.

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Speaker 4: I've been listening to She's on the Money since COVID

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Speaker 4: and have found it very interesting and easy to listen to.

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Speaker 4: My wife and I are expecting our first daughter to

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Speaker 4: be born in the coming months after a long IVF journey.

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Speaker 4: Listening to this has been a great way for me

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Speaker 4: to get a deeper appreciation and understanding of the challenges

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Speaker 4: and mindsets a lot of women have. I really hope

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Speaker 4: you keep producing this show as my daughter grows older,

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Speaker 4: so that she can learn from you as well.

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Speaker 7: Oh my, so cute, you love the congratulations from a

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Speaker 7: dads so lovely, literally so wholesome, which as well, I

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Speaker 7: was like, this is the one I'm going to be

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Speaker 7: putting on this show.

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Speaker 6: You men commenting and stuff in the Facebook group and

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Speaker 6: stuff lately, and they always preface it I find by saying, oh,

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Speaker 6: like I know that I'm maybe not your normal target demographic, and.

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Speaker 4: You are anyone who resonates without content or welcome here, absolutely.

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Speaker 2: And I feel like it's exactly what Mike was saying.

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Speaker 6: It gives you an appreciation as well for like the

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Speaker 6: female perspective that I feel a lot of men lack

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Speaker 6: or don't.

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Speaker 2: Care on hundred percent like you. Just you also don't

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Speaker 2: know what you don't know.

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Speaker 4: You're often like, oh, I didn't know that was an issue,

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Speaker 4: and that's like totally fine. But the idea that you're

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Speaker 4: consuming content in order to get ahead of that, that's

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Speaker 4: low key very sexy.

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Speaker 2: Yes see you Yeah, but my, oh my god, that's

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Speaker 2: so good. Then, thank you so much for listening. I

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Speaker 2: love it all right. You know what else?

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Speaker 4: I love hearing about our community's money wins, Jessica Ricci.

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Speaker 4: Every single week you do a little lack rally up

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Speaker 4: of what the community has been loving or what have

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Speaker 4: you got for us this week?

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Speaker 6: All right, firstly, we're starting off with just a good,

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Speaker 6: solid one from Caroline who said she stayed within her

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Speaker 6: budget this week, which means she's allocated everything correctly.

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Speaker 4: Oh my god, but like good joy in this economy,

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Speaker 4: I swear everyone I'm talking to is like, I'm trying

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Speaker 4: so hard to budget, but every week I blow it,

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Speaker 4: or I can't get it right, or it's really frustrating.

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Speaker 2: I'm giving up, like to get it right to flex.

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Speaker 6: Chef's kiss, Well done, Caroline. Next, I've got a money

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Speaker 6: win from l who said money win. We went through

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Speaker 6: all of our expenses in income for a year, then

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Speaker 6: made an achievable by aligned.

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Speaker 2: With our values.

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Speaker 6: This is the first month that I've been on maternity

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Speaker 6: leave and we haven't dipped into our savings.

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Speaker 2: How good. I'm just really feeling everyone's staying in budget.

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Speaker 3: This week.

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Speaker 6: I didn't even realize that I had two back to

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Speaker 6: back nace. I've got a money win from Sophie, who

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Speaker 6: said money win. I realized I had a few nicer

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Speaker 6: brand dresses at home that I've only worn once, so

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Speaker 6: I decided to list them on the vault to rent

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Speaker 6: them out instead of having them just sitting in my

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Speaker 6: closet and collecting dunst. I've rented out one specific dress

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Speaker 6: eight times, and I've tripled the money that I spent

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Speaker 6: on buying the dress.

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Speaker 2: How good is that?

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Speaker 4: I never know how like rentable my dresses are because

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Speaker 4: I go, is this just something I like?

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Speaker 2: Yeah? Or is this like universally liked? But you're good

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Speaker 2: at this, Jess.

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Speaker 4: I swear you're like, oh, that's a dress I really

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Speaker 4: want to buy, and you like snoop the Instagram to

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Speaker 4: see how many girls are wearing it.

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Speaker 2: You've made a lot of money.

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Speaker 6: I wish I was better at knowing what was trendy,

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Speaker 6: because I feel like it is if you can pick

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Speaker 6: the right dress.

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Speaker 2: I'm too millennial.

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Speaker 6: Yeah, I think I made it as well. But you

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Speaker 6: might as well just put what you've got up there.

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Speaker 6: True happens because it's true. It doesn't cost a list,

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Speaker 6: doesn't it. No, it's all free, so you might just

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Speaker 6: sit there and every now and again I get an

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Speaker 6: email that says someone's rented address, and I'm like, oh,

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Speaker 6: so money exactly? All right, well done, Sophie. Next, I've

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Speaker 6: got a money in from Shannon who said she got

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Speaker 6: a jumper that was originally one hundred and seventy dollars

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Speaker 6: for ten bucks at the Inner Pali warehouse sale last weekend.

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Speaker 2: Yes, love a warehouse sale.

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Speaker 5: Win.

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Speaker 4: That's you are like the warehouse sale queen. You've like

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Speaker 4: called me before to be like, hey, there's a warehouse sale.

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Speaker 4: Can I please go during work hours because otherwise I'll

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Speaker 4: have to line up on a Saturday like a plan.

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Speaker 2: But I don't want to do that. And I'll be like, yes, Queen,

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Speaker 2: go go. It's doing a greater good. We love a

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Speaker 2: supportive boss, and we love a ware house sale as well.

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Speaker 2: Very well done for Shannon. Next, a lot of money

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Speaker 2: lost from Amma.

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Speaker 6: And I did feel this in my soul because she

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Speaker 6: said she had to buy milk and cheese and bread

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Speaker 6: today and there went twenty dollars.

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Speaker 4: What what is it like?

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Speaker 6: Yes, every time I check out, I look at what

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Speaker 6: I've got. I've started playing this game, Like how much

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Speaker 6: do I think it's gonna cost?

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Speaker 2: I wouldn't recommend it. He's always given me. But it

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Speaker 2: is crazy. You'll be like, oh, there's five things there

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Speaker 2: and it's like ninety dollars.

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Speaker 6: Yes.

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Speaker 4: I actually nearly vomited the other week when I was

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Speaker 4: leaving the supermarket. Again, it's super privileged, but I had

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Speaker 4: two bags of groceries and it was kind of like

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Speaker 4: a last minute decision to go to the supermarket.

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Speaker 2: We had all of our Maley spoons and stuff.

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Speaker 4: But I was like, oh, we're out of like bread,

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Speaker 4: and like I need some essentials and bloody olive oil

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Speaker 4: and all of that stuff that I'm like, oh, we

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Speaker 4: nearly out. I may as well just do a shop.

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Speaker 4: And if you're a mum, you know that, like it's

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Speaker 4: like on the front of your mind. If you're not

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Speaker 4: with your baby, going to the supermarket is easier. So

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Speaker 4: I was like, oh, oh, just do like an essentials shop.

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Speaker 4: Two bags, not even full bags from coals.

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Speaker 2: I'm walking out. I'm like, geez, Louise, that was one

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Speaker 2: hundred and seventy dollars. What are you talking about?

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Speaker 4: And I was like low key a bit embarrassed as

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Speaker 4: I was checking out, and I'm thinking, no, I do

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Speaker 4: need all of these things. And it was like genuine

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Speaker 4: pantry staples. So I've got butter, I've got you know,

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Speaker 4: olive oil. I bought some well samic. I had to

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Speaker 4: buy some new white vinegar. Obviously that's not expensive, but like,

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Speaker 4: all these things just kind of added up and I

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Speaker 4: was like what And dishwasher tablets I had to buy

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Speaker 4: the same transaction.

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Speaker 2: Those are so expensive, I know, and.

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Speaker 4: I always make sure that when you're buying things like

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Speaker 4: dishwasher tablets, or if you buy like laundry pods or whatever,

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Speaker 4: you're not just like picking the cheapest one on the rack.

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Speaker 4: You're actually looking at how much per pod is, because

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Speaker 4: when they're on sale, I'm always making sure that, like

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Speaker 4: each of my dishwasher tablets are like twenty or twenty

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Speaker 4: five cents because it's so easy to get away.

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Speaker 2: You're like, oh, that one's half priced. But then it's

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Speaker 2: like the.

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Speaker 4: Omo brand or whatever it is, and it's like double

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Speaker 4: what it normally is. So maybe that's a broke tip.

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Speaker 4: Look at the unit price instead of the overall price.

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Speaker 2: This is very, very true.

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Speaker 4: You do have astronomically expensive, very privileged that like that

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Speaker 4: didn't financially cripple me. But I was thinking, I am

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Speaker 4: so lucky. At the same time, it's being so frustrated.

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Speaker 2: It is really hard out there. I feel you in

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Speaker 2: my soul. Amber.

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Speaker 6: Last of this week, I've got a money in from

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Speaker 6: Meghan who said Facebook Marketplace money win. I've been wanting

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Speaker 6: to get a daisy dog bed for my friend Cheese,

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Speaker 6: but the one I wanted is normally two hundred and

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Speaker 6: eighty nine dollars. My goodness founded a marketplace brand new

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Speaker 6: for one hundred and twenty mandatory pet tax included.

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Speaker 2: And just take a look at that face.

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Speaker 4: Oh my goodness, naughty baby, like their little snoots kill

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Speaker 4: me like, and the sounds that they make.

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Speaker 2: I'm like, this can't be normal, adorable friendly.

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Speaker 4: She's called Archie and he like he just sounds like

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Speaker 4: a little piggy and when he's excited, like he does

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Speaker 4: the piggy dead like the best cute Tell me yes,

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Speaker 4: broke tips, what if you got?

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Speaker 2: Okay?

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Speaker 5: So this first one comes from Brook and I have

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Speaker 5: mentioned something similar before, but I don't think I mentioned

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Speaker 5: this particular app. So Brook says, download receipt Jar app

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Speaker 5: and all you have to do is photograph and upload

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Speaker 5: receipts of purchases you have made, and you accumulate points

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Speaker 5: which you can cash out into like bouches for woolies,

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Speaker 5: et cetera.

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Speaker 2: So I think it's fantastic.

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Speaker 5: And it's like, because we got it, we got to

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Speaker 5: buy things to stay alive, and it's like you may

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Speaker 5: as well get some bloody benefits out of that. I

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Speaker 5: always wonder what you're doing with the receipt like why,

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Speaker 5: what's the benefit that I always think that they're doing

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Speaker 5: something dodgy with them, which I'm asuming they're not.

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Speaker 2: Lots people use recedure. I'm not shooting on them, but

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Speaker 2: people use it for business or whatever. But oh dat

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Speaker 2: a collection?

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Speaker 4: Yeah, and understanding people's budgets spending habits like it's interesting,

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Speaker 4: But like, I don't know, are you guys asking for

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Speaker 4: receipts for things that you can't claim on tax? Because

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Speaker 4: like if they're like, do you want a receipt with that,

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Speaker 4: I'm immediately like unless I can claim it on tax.

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Speaker 2: Absolutely not shave the paper, save a tree, save a tree. Absolutely.

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Speaker 2: I agree.

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Speaker 5: Well, I guess maybe it would make more sense if,

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Speaker 5: you know, back in the day when you flip it

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Speaker 5: over and it'd be like fifty dollars Domino's pizza Pizza.

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Speaker 4: I feel like in this economy, we deserve our receipts

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Speaker 4: that are literally so long and so expensive to have,

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Speaker 4: like free KFC.

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Speaker 2: On the other side, Yes, that's what should happen. Do

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Speaker 2: they sort of fuel vouchers on there? I don't believe.

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Speaker 2: So that's ridiculous. It's illegal. That's illegal. I mean it

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Speaker 2: sounds like it should be.

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Speaker 5: And then this next one comes from Shani who says

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Speaker 5: if you go to H and M. They have a

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Speaker 5: recycling clothes initiative where you can take in a bag

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Speaker 5: of old clothes to donate and they can reuse that

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Speaker 5: as like textiles and whatever else they want to do

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Speaker 5: with it. They will give you a fifteen percent off

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Speaker 5: H and M voucher. That's good, how good recycle.

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Speaker 4: I'm so salty on that program because like I have

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Speaker 4: done a deep dive on TikTok and I'm so sorry

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Speaker 4: to absolutely blow this, but they don't reuse it, and

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Speaker 4: I think that that is a green washing scandal if

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Speaker 4: ever I saw one.

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Speaker 3: What does it mean?

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Speaker 2: Was it coming?

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Speaker 4: We'll give you a discount to buy more fast fashion

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Speaker 4: and we're actually just going to donate it to charity

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Speaker 4: later and essentially drop it into lack a charity bin.

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Speaker 4: Which I'm not saying that donating to charity is bad,

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Speaker 4: but when they're doing it under different preten guys different Yeah,

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Speaker 4: So look at up, have a look, make your own decisions.

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Speaker 4: But I mean, if you're going to buy from you

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Speaker 4: know H and M already and you wanted a cheeky

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Speaker 4: little discount and you don't mind like pop off queen,

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Speaker 4: but as well more educated I am the more sinister.

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Speaker 2: I am so.

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Speaker 6: Sorry.

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Speaker 2: That's so lovely. I'm glad you're looking into these things.

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Speaker 2: Green washing one out of ten. Greenwashing. That's like virtue signaling.

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Speaker 4: Yeah, basically, yeah, okay, it's where you make yourself sound super.

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Speaker 2: Ethical or you do something so that you look a

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Speaker 2: certain way.

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Speaker 4: Yeah, and like, don't get me wrong, we're in the

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Speaker 4: middle of cozy libs, and you know, we can't all

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Speaker 4: afford to go and buy super ethical outfits. Like, no

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Speaker 4: shame on anyone shopping at like fast fashion outlets. I

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Speaker 4: don't mind at all. I just think we should be

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Speaker 4: so much more conscious with our purchasing. But for a

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Speaker 4: fast fashion brand to be like, hey, we drop new

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Speaker 4: stock in our stores literally a number of times per week.

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Speaker 4: But also here we've got this like recycling program and

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Speaker 4: you can bring in your old clothes and buying new ones.

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Speaker 4: It's just making them look like they're doing the right

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Speaker 4: thing when in reality, like why do they produce so

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Speaker 4: many clothes? Why don't we just producing consistent basics or

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Speaker 4: things that actually last H and M yes, yes, yes, yes.

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Speaker 2: Anyway, I'm just a bit enough on that.

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Speaker 4: We did a whole episode ages ago on Fast fashion,

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Speaker 4: which we might link in the show notes. Actually, if

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Speaker 4: you're interested in that, but it's a good it annoys me.

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Speaker 4: Sorry then no, no, no, don't be sorry. And this

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Speaker 4: next one, I don't want to be that person, but

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Speaker 4: yes you do. I'm going to and it's honestly, I'm

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Speaker 4: gonna sound like a broken record. So me and Jess,

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Speaker 4: my partner, are booked like a trip to Singapore, which

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Speaker 4: is very exciting. Sorry, no, not Singapore, Thailand.

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Speaker 2: I'm so sorry.

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Speaker 5: I keep thinking Singapore for some reason, but it's not

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Speaker 5: anywhere near Singapore, right, No, no, no, it's a different country.

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Speaker 5: Well I have that in my head, so I hope

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Speaker 5: it to land somewhere else. And so this is just

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Speaker 5: a complete side notes, not at all relevant to my

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Speaker 5: broke tip. It's like I, for some reason, I can't

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Speaker 5: like because I I've never been a saver. I can't

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Speaker 5: save for a trip because I feel like if I've

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Speaker 5: finally gotten on top of saving, I've saved two thousand

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Speaker 5: dollars and then all of that, my whole that is

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Speaker 5: literally my whole life savings goes toward a trip, I'll

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Speaker 5: be devastated. And so I'm one of those people that

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Speaker 5: just like to book and then figure it out later.

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Speaker 5: So I don't haven't even paid for anything yet.

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Speaker 2: But my broke tip is going to be this.

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Speaker 5: If you're going away anywhere with anyone, it does seem

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Speaker 5: a little bit dog. You can tell them, you can

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Speaker 5: tell them what you're doing, but be like, can I

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Speaker 5: book it?

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Speaker 2: Everyone pay me?

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Speaker 5: I book it, and you do it through shot back.

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Speaker 5: I made fifty dollars on a go to and it

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Speaker 5: are low. Jesse told me at al it's the e

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Speaker 5: sim fourteen percent back on shot back. Try and book

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Speaker 5: everything for everyone and get them to pay you, and

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Speaker 5: then in your shot back it just accumulating all this wealth.

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Speaker 5: And if people are like, hey, the freak, you need

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Speaker 5: to give us some of that money, then you can

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Speaker 5: do that. But I would say you book it, you

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Speaker 5: get the money, you get the benefits on.

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Speaker 2: The aiment for you doing the admin.

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Speaker 4: Yeah, you're doing the advice just through and through free situation,

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Speaker 4: including buying things from office works for our office. Yes,

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Speaker 4: she adds her own shot back. I mean that is

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Speaker 4: a good idea because and I allow that so like

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Speaker 4: her fly By is her I'm like, you know what

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Speaker 4: pop off queen exactly? That probably don't do that at

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Speaker 4: your workplace without getting explicit consent from your boss because

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Speaker 4: that might be theft.

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Speaker 2: True, but also if they don't have their own shot

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Speaker 2: back account, and then it's like.

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Speaker 4: That's why you've got to ask, that's why you've got

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Speaker 4: true because like imagine if your boss found out, Oh,

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Speaker 4: like you know, and I don't see it is a

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Speaker 4: bad thing. But oh, Jess is getting like five percent

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Speaker 4: back of the purchases I'm making.

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Speaker 2: All right, we might not see it my shot back.

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Speaker 4: Yeah, but when it's with friends, no, sorry, sorry, that

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Speaker 4: rule doesn't yeh No, you.

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Speaker 5: Get that for the for the admin. And you also

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Speaker 5: can get travel insurance on shot back and get trips

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Speaker 5: the actual flights.

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Speaker 2: Through shot back.

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Speaker 5: God, I just I feel like I'm going to make

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Speaker 5: so much more money as you should, queen, thank you,

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00:16:51,400 --> 00:16:54,320
Speaker 5: like by by spending much much more money.

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Speaker 4: But you've got to spend money to make money or

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Speaker 4: whatever they say. I'm on your team, thank you so much.

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Speaker 4: So anyway, that's that's what I'm saying.

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Speaker 5: I think be the admin person in your group or

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Speaker 5: in your duo or in your singular and you could

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Speaker 5: just make a little bit of extra cash on.

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Speaker 2: The money win.

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Speaker 4: All right, Well, let's go to a really quick break

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Speaker 4: because on the flip side, we're going to be answering

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Speaker 4: your money dilemma, which is all about financing options if

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Speaker 4: you're purchasing a new car. And then something that I

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Speaker 4: think has annoyed everybody at this table, we've got a

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Speaker 4: message is slid into our DMS with talking about a

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Speaker 4: child support drama with your ex.

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Speaker 6: So guys, don't go anywhere. Welcome back, everybody. Let's take

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Speaker 6: a listen to this week's money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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00:17:41,680 --> 00:17:44,200
Speaker 2: can't solve. The She's on the Money team is here

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Speaker 2: to help.

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Speaker 8: Every week we tackle your dilemmas, both big and small,

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Speaker 8: to answer your most burning money, career and life questions.

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00:17:51,359 --> 00:17:53,840
Speaker 8: To get involved, simply head to our website and leave

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Speaker 8: us a short voice recording and you might just find

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Speaker 8: yourself on the show.

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Speaker 2: Now, let's take a listen to this week's money dilemma.

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Speaker 9: Hey, She's on the Money. I have got a question

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Speaker 9: for you. Where thinking about getting a new card towards

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Speaker 9: the end of the year, but I'm not too sure

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Speaker 9: how to go about it financially. We were considering refinancing

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Speaker 9: a house a very howcome money. But the problem is

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Speaker 9: we don't have any equity really in a house right now.

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Speaker 9: So I'm just wondering what other options are out there

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Speaker 9: for us. Is refinancing even possible with our equity or

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Speaker 9: should we look at other ways to finance the car?

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Speaker 9: Thank you.

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Speaker 4: That's an interesting one because so many people believe that

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Speaker 4: to refinance you have to have equity in your property,

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Speaker 4: and it's just simply not true. So you can refinance

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Speaker 4: your mortgage, and a refinance is when you take your

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Speaker 4: current mortgage that you have with Bank A and go,

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Speaker 4: you know what, bank is no longer serving me. I

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Speaker 4: want to pick that up and take it over to

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Speaker 4: Bank B. It doesn't mean that you need equity, which

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Speaker 4: is essentially you know, value that's added up because Bank B,

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Speaker 4: if it's a good mortgage, they're going to go great.

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Speaker 4: And a lot of the reason you might refinance for

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Speaker 4: is to you know, obviously, I think you're assuming that

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00:19:12,200 --> 00:19:15,040
Speaker 4: everybody refinances to release equity and that's not the case.

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Speaker 4: Sometimes you refinance so that you can get a different

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Speaker 4: loan structure, So you might go, I really want to

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Speaker 4: move to Bank B because right now I don't have

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Speaker 4: an offset account, and whatever savings I have coming in,

440
00:19:24,320 --> 00:19:27,000
Speaker 4: i'd really like offsetting the interest. Or I'm moving because

441
00:19:27,000 --> 00:19:29,639
Speaker 4: I want to lower interest rate, or I'm moving because

442
00:19:29,680 --> 00:19:31,879
Speaker 4: I just simply want a different bank this one's no

443
00:19:32,000 --> 00:19:34,399
Speaker 4: longer serving me, or I want a redraw. So you

444
00:19:34,520 --> 00:19:38,200
Speaker 4: don't have to have equity to refinance. So if we're

445
00:19:38,240 --> 00:19:41,560
Speaker 4: talking about cars, and I know that that's not necessarily

446
00:19:41,640 --> 00:19:44,000
Speaker 4: what everyone is doing, I'd say, always buy a car

447
00:19:44,119 --> 00:19:47,360
Speaker 4: in cash, never buy a brand new car, and always

448
00:19:47,720 --> 00:19:50,480
Speaker 4: take into consideration that that asset is not going to

449
00:19:50,600 --> 00:19:53,280
Speaker 4: increase in value. It's always going to decrease, unless you're

450
00:19:53,320 --> 00:19:56,600
Speaker 4: talking about buying like a vintage Porsche and it's an investment,

451
00:19:56,720 --> 00:19:58,679
Speaker 4: Like that's a different story. But most of us are

452
00:19:58,760 --> 00:20:01,920
Speaker 4: not buying vintage cars for investment purposes. We are buying

453
00:20:02,000 --> 00:20:04,080
Speaker 4: cars that can get us to and from work. Right,

454
00:20:04,680 --> 00:20:07,680
Speaker 4: So there's a lot of thoughts I have on cars

455
00:20:08,080 --> 00:20:10,119
Speaker 4: because I think that they are often one of the

456
00:20:10,200 --> 00:20:12,280
Speaker 4: worst investments, but at the same time, we need them.

457
00:20:12,359 --> 00:20:14,080
Speaker 2: So you could go to a good broker, and you

458
00:20:14,160 --> 00:20:15,399
Speaker 2: should go to a good broker and be.

459
00:20:15,480 --> 00:20:17,159
Speaker 4: Like, I don't think I have equity, but what can

460
00:20:17,200 --> 00:20:19,200
Speaker 4: I do to put myself in the best possible position,

461
00:20:19,560 --> 00:20:22,679
Speaker 4: because it's very naive of me to assume that everyone

462
00:20:22,840 --> 00:20:25,120
Speaker 4: can just save up to buy a car, Like car

463
00:20:25,280 --> 00:20:28,800
Speaker 4: loans are something that my business rights often. And does

464
00:20:28,880 --> 00:20:31,840
Speaker 4: that mean that I, you know, really promote you going

465
00:20:31,920 --> 00:20:33,360
Speaker 4: out getting a brand new car loan back?

466
00:20:33,520 --> 00:20:34,159
Speaker 2: Absolutely not.

467
00:20:34,600 --> 00:20:36,520
Speaker 4: But like I deal with moms and dads all the

468
00:20:36,560 --> 00:20:38,520
Speaker 4: time that are like, oh, my goodness, we're pregnant, we're

469
00:20:38,520 --> 00:20:40,400
Speaker 4: having another baby, and I need a car that fits

470
00:20:40,440 --> 00:20:41,159
Speaker 4: two car seats.

471
00:20:41,520 --> 00:20:42,720
Speaker 2: Like I'm sorry, we're.

472
00:20:42,600 --> 00:20:45,200
Speaker 4: In an economy where you don't have thirty k save

473
00:20:45,680 --> 00:20:47,960
Speaker 4: to be able to purchase that asset. But like, let's

474
00:20:48,000 --> 00:20:50,000
Speaker 4: make a smart decision. We're going to buy a car together.

475
00:20:50,040 --> 00:20:52,840
Speaker 4: We're going to go through this. Sometimes you might be

476
00:20:52,920 --> 00:20:55,879
Speaker 4: able to extend your mortgage out by thirty grand, and

477
00:20:56,080 --> 00:20:58,080
Speaker 4: you might go, oh, that's not a good idea, but

478
00:20:58,200 --> 00:21:00,520
Speaker 4: the interest rate on your mortgage might be much lower.

479
00:21:00,640 --> 00:21:02,240
Speaker 4: So the interest rate on your mortgage is going to

480
00:21:02,240 --> 00:21:05,560
Speaker 4: be under five percent, whereas asset finance often sits at about,

481
00:21:05,720 --> 00:21:08,640
Speaker 4: you know, eight to ten percent. So you're saving money

482
00:21:08,720 --> 00:21:11,359
Speaker 4: by doing that, and then we can aggressively pay off

483
00:21:11,400 --> 00:21:14,280
Speaker 4: that thirty thousand dollars above and beyond. So there's always

484
00:21:14,320 --> 00:21:18,119
Speaker 4: a strategy. So when it comes to purchasing a car, no,

485
00:21:18,240 --> 00:21:20,520
Speaker 4: you don't need equity. You actually just need a little

486
00:21:20,520 --> 00:21:24,600
Speaker 4: bit of strategy. There's also a lot of deals.

487
00:21:24,280 --> 00:21:25,320
Speaker 2: Going around at the moment.

488
00:21:26,080 --> 00:21:28,720
Speaker 4: So, as I said before, we're never buying brand new

489
00:21:28,800 --> 00:21:31,200
Speaker 4: because from my perspective, and this is I'm the daughter

490
00:21:31,320 --> 00:21:33,000
Speaker 4: of an old Like my dad used to be the

491
00:21:33,040 --> 00:21:36,720
Speaker 4: financial controller of car dealerships, so like he never let

492
00:21:36,760 --> 00:21:38,960
Speaker 4: me buy brand new cars. Like he was always like

493
00:21:39,160 --> 00:21:42,200
Speaker 4: terrible idea, absolutely not And to this day, this man

494
00:21:42,280 --> 00:21:43,399
Speaker 4: will not buy a brand new car.

495
00:21:43,840 --> 00:21:45,080
Speaker 2: He will buy a demo model.

496
00:21:45,119 --> 00:21:45,320
Speaker 6: Though.

497
00:21:45,680 --> 00:21:47,760
Speaker 4: But if you're looking at a demo model of a

498
00:21:47,960 --> 00:21:50,800
Speaker 4: let's say you want to buy a Volkswagen Polo, you

499
00:21:50,920 --> 00:21:52,520
Speaker 4: want to go like because I feel like that's like

500
00:21:52,560 --> 00:21:56,159
Speaker 4: a little bit higher end. But like, you know, Keanda

501
00:21:56,240 --> 00:21:58,480
Speaker 4: gets whatever you want to purchase, right, you're going to

502
00:21:58,520 --> 00:22:00,879
Speaker 4: purchase a small car. Maybe we looking at a demo

503
00:22:01,440 --> 00:22:04,399
Speaker 4: and we're trying to get really good finance. Sometimes the

504
00:22:04,480 --> 00:22:08,320
Speaker 4: best finance doesn't actually come from a mortgage broker or

505
00:22:08,359 --> 00:22:10,680
Speaker 4: someone who writes tasset finance, but it might come from

506
00:22:10,720 --> 00:22:14,000
Speaker 4: the dealership and I have seen historically like one or

507
00:22:14,119 --> 00:22:17,880
Speaker 4: two percent finance on cars on their lots, So we're

508
00:22:17,920 --> 00:22:20,719
Speaker 4: just going to do our research. Finance at a car

509
00:22:20,840 --> 00:22:23,359
Speaker 4: dealership most of the time is not your best option.

510
00:22:23,760 --> 00:22:25,760
Speaker 4: In fact, it's probably going to be the worst option

511
00:22:26,080 --> 00:22:28,920
Speaker 4: because it's the most convenient rat. So, like a little

512
00:22:28,960 --> 00:22:31,160
Speaker 4: finance man has set up shop at the local Toyota

513
00:22:31,520 --> 00:22:33,520
Speaker 4: and he's like, great, Jess wants a new car.

514
00:22:33,680 --> 00:22:36,320
Speaker 2: She wanders in, goes, can you get finance for me?

515
00:22:36,400 --> 00:22:36,600
Speaker 8: Yeah?

516
00:22:36,600 --> 00:22:36,760
Speaker 1: I can.

517
00:22:36,920 --> 00:22:38,600
Speaker 4: I can get you the best deal I can get you,

518
00:22:38,960 --> 00:22:40,560
Speaker 4: and it's not the best deal on the market. So

519
00:22:40,640 --> 00:22:43,280
Speaker 4: we're shopping around a little bit, but I think having

520
00:22:43,320 --> 00:22:45,840
Speaker 4: a look around. Like imagine if you could get demo

521
00:22:45,960 --> 00:22:49,240
Speaker 4: car one or two percent finance, drive away all of

522
00:22:49,320 --> 00:22:52,200
Speaker 4: your Red Joe's paid, Like, that's not a bad deal. Yeah,

523
00:22:52,640 --> 00:22:54,880
Speaker 4: we are making sure that we're making the right financial

524
00:22:55,000 --> 00:22:58,199
Speaker 4: decision as opposed to just a Oh I'm a bit

525
00:22:58,280 --> 00:22:59,840
Speaker 4: ashamed of this. I need to get a loan, and

526
00:23:00,119 --> 00:23:02,119
Speaker 4: you agree to the first loan that comes up. Na,

527
00:23:02,280 --> 00:23:06,480
Speaker 4: we're hustling that loan too. We're hustling everything as you should.

528
00:23:06,680 --> 00:23:08,760
Speaker 4: So do you guys have anything to add to that.

529
00:23:08,880 --> 00:23:10,560
Speaker 4: I think I just jumped in because I was like, oh,

530
00:23:10,840 --> 00:23:12,480
Speaker 4: you don't need to have equity to get.

531
00:23:12,320 --> 00:23:15,639
Speaker 2: A car loan. There you go. It's not adding it

532
00:23:15,760 --> 00:23:16,880
Speaker 2: to anything. I just wanted to ask.

533
00:23:17,240 --> 00:23:19,320
Speaker 5: It's probably really dumb question, but I've always wanted when

534
00:23:19,320 --> 00:23:21,240
Speaker 5: people say paying cash, do you mean physical cash?

535
00:23:21,359 --> 00:23:22,000
Speaker 2: Is that what you're saying?

536
00:23:23,400 --> 00:23:27,000
Speaker 4: You use your car, You could tap your debit card,

537
00:23:27,040 --> 00:23:30,600
Speaker 4: but you could, like you're saying, you know, go to

538
00:23:30,640 --> 00:23:33,800
Speaker 4: the ATM and get some fifties to hand, like make.

539
00:23:33,760 --> 00:23:36,160
Speaker 2: Sure it's not tracked, like just fighting cash. Yeah, when

540
00:23:36,200 --> 00:23:38,840
Speaker 2: we say like buy cash, understood.

541
00:23:39,160 --> 00:23:40,960
Speaker 4: Yeah, And that's all not Sorry, I reckon lots of

542
00:23:41,000 --> 00:23:43,200
Speaker 4: people were thinking that, to be honest, but I think

543
00:23:43,280 --> 00:23:47,159
Speaker 4: it's for me love a good car, but also we

544
00:23:47,280 --> 00:23:49,919
Speaker 4: need to be so aware of how that impacts our

545
00:23:50,359 --> 00:23:53,960
Speaker 4: long term financial goals. And I see a lot of people,

546
00:23:54,280 --> 00:23:57,720
Speaker 4: especially like you see it, especially during like cost of

547
00:23:57,760 --> 00:24:00,479
Speaker 4: living crisises, They're like, well, you know what, everything else

548
00:24:00,600 --> 00:24:04,040
Speaker 4: is hard, I deserve XYZ. And they often talk themselves

549
00:24:04,400 --> 00:24:08,160
Speaker 4: into an asset that is maybe a bit beyond their

550
00:24:08,240 --> 00:24:11,120
Speaker 4: financial capacity or a bit beyond because they just want

551
00:24:11,160 --> 00:24:13,959
Speaker 4: to feel special. You're just like life's really tough right now, Like, well,

552
00:24:13,960 --> 00:24:16,520
Speaker 4: you know, earlier this episode we're talking about groceries being

553
00:24:16,560 --> 00:24:19,399
Speaker 4: a struggle. You're like, well, whats and like so easily

554
00:24:19,520 --> 00:24:21,480
Speaker 4: we justify it to ourselves. What's an extra one hundred

555
00:24:21,480 --> 00:24:24,119
Speaker 4: bucks a month? Honestly, Like groceries are more than that.

556
00:24:24,600 --> 00:24:26,720
Speaker 4: You justify it, and then you have an asset that's

557
00:24:26,800 --> 00:24:29,480
Speaker 4: worth more decreases more like it just puts you in

558
00:24:29,560 --> 00:24:32,639
Speaker 4: a worse off position, often because you think this asset

559
00:24:32,760 --> 00:24:34,760
Speaker 4: is going to make you feel good. Oh, it's the

560
00:24:34,800 --> 00:24:37,080
Speaker 4: confidence boost I need for a week.

561
00:24:37,480 --> 00:24:38,120
Speaker 6: It's just a car.

562
00:24:38,320 --> 00:24:41,360
Speaker 2: It's just a car gets you from A to B. Yeah,

563
00:24:41,600 --> 00:24:45,359
Speaker 2: I drive my cars into They're like exactly as you should,

564
00:24:46,280 --> 00:24:47,720
Speaker 2: seriously as you should.

565
00:24:48,040 --> 00:24:50,680
Speaker 4: All right, guys, would you like to hear the DM

566
00:24:51,000 --> 00:24:53,440
Speaker 4: that we got these wee absolutely, I think we've got

567
00:24:53,720 --> 00:24:56,800
Speaker 4: thoughts and opinions on this, all right, So the DM

568
00:24:56,880 --> 00:24:59,000
Speaker 4: we got this week high she's on the money.

569
00:24:59,119 --> 00:24:59,879
Speaker 2: I have a money to lem.

570
00:25:00,200 --> 00:25:03,000
Speaker 4: I really need help with my ex and I shared children,

571
00:25:03,240 --> 00:25:06,320
Speaker 4: and after a long period of him not contributing financially,

572
00:25:06,680 --> 00:25:10,480
Speaker 4: including to things like school, dental, and sports, I went

573
00:25:10,560 --> 00:25:13,640
Speaker 4: through child support collection to make sure the kids' needs

574
00:25:13,680 --> 00:25:17,240
Speaker 4: were being met. Since then, he started making comments directly

575
00:25:17,320 --> 00:25:19,640
Speaker 4: to our kids, like I can't give you pocket money

576
00:25:19,720 --> 00:25:22,960
Speaker 4: anymore because I have to pay child support and Mum

577
00:25:23,000 --> 00:25:25,320
Speaker 4: will have to pack all of your clothes. Now my

578
00:25:25,480 --> 00:25:29,240
Speaker 4: kids are preteens and they've started asking questions. I'm really torn.

579
00:25:29,400 --> 00:25:32,000
Speaker 4: I want to teach them financial literacy, but I also

580
00:25:32,080 --> 00:25:34,280
Speaker 4: want to protect their view of their dad. At the

581
00:25:34,320 --> 00:25:36,960
Speaker 4: same time, I don't want them believing that I'm the

582
00:25:37,040 --> 00:25:40,200
Speaker 4: reason they're missing out. How do I have age appropriate

583
00:25:40,280 --> 00:25:43,040
Speaker 4: conversations with them about this? And how do I talk

584
00:25:43,119 --> 00:25:45,000
Speaker 4: to their dad about the comments he's making.

585
00:25:48,040 --> 00:25:54,119
Speaker 5: That sounds like the exact situation I would hate to

586
00:25:54,920 --> 00:25:58,640
Speaker 5: be in, because it's like awful. Yeah, like now you're

587
00:25:58,840 --> 00:26:04,000
Speaker 5: parenting everyone to have it that's gentle parent conversation with

588
00:26:04,119 --> 00:26:07,560
Speaker 5: an adult and be like, hey, don't say that.

589
00:26:07,720 --> 00:26:09,160
Speaker 2: That is so dumb.

590
00:26:10,080 --> 00:26:11,520
Speaker 3: You are so dumb.

591
00:26:12,480 --> 00:26:16,440
Speaker 2: It's made me so angry, Like, oh my, I feel

592
00:26:16,560 --> 00:26:18,399
Speaker 2: first what I just want to say, I'm so sorry.

593
00:26:18,880 --> 00:26:21,600
Speaker 2: It's so manipulous that you live in this situation with

594
00:26:21,800 --> 00:26:23,879
Speaker 2: like like and you don't know that this is the thing.

595
00:26:23,960 --> 00:26:25,440
Speaker 2: This worth say to all my friends, is worth say

596
00:26:25,440 --> 00:26:25,800
Speaker 2: to everyone?

597
00:26:25,920 --> 00:26:29,040
Speaker 5: Is like we meet someone all these things that you're like, oh,

598
00:26:29,080 --> 00:26:30,320
Speaker 5: you know, you've got to get to know someone before

599
00:26:30,359 --> 00:26:31,760
Speaker 5: you live together. You've got to get to know someone

600
00:26:31,760 --> 00:26:33,359
Speaker 5: if we have children with them. I totally understand that

601
00:26:33,400 --> 00:26:37,240
Speaker 5: you do. But by the time you learn that the

602
00:26:37,280 --> 00:26:40,240
Speaker 5: person you're living with actually doesn't cook and clean for themselves,

603
00:26:40,440 --> 00:26:45,240
Speaker 5: actually isn't an equal parent, Actually is not like meeting

604
00:26:45,320 --> 00:26:48,320
Speaker 5: you at your level when it comes like the mental load,

605
00:26:48,560 --> 00:26:51,600
Speaker 5: the emotional load, you don't realize until you're attached in

606
00:26:51,760 --> 00:26:56,280
Speaker 5: some way either emotionally, physically, literally, financially, whatever, And then

607
00:26:56,320 --> 00:26:59,159
Speaker 5: you get there and you're like, good to know this

608
00:26:59,359 --> 00:27:04,440
Speaker 5: person is just being so immature, Like first of all,

609
00:27:04,640 --> 00:27:06,040
Speaker 5: not first of all, because I've said a million things,

610
00:27:06,200 --> 00:27:08,239
Speaker 5: but the other thing too is that like did they

611
00:27:08,280 --> 00:27:09,920
Speaker 5: say how much they're paying in child support?

612
00:27:10,119 --> 00:27:12,359
Speaker 2: No, I don't know what this person's paying in child support.

613
00:27:12,400 --> 00:27:15,600
Speaker 4: It might be and it doesn't happen because if it's

614
00:27:15,720 --> 00:27:18,680
Speaker 4: child support, it doesn't matter actually court mandated, so it

615
00:27:18,720 --> 00:27:21,159
Speaker 4: would be based on their income, based on their children,

616
00:27:21,240 --> 00:27:24,720
Speaker 4: based on their children's needs. And we all know, having

617
00:27:24,880 --> 00:27:26,560
Speaker 4: I have a lot of single mum friends, we all

618
00:27:26,640 --> 00:27:29,640
Speaker 4: know it's never bloody enough like your child support.

619
00:27:29,359 --> 00:27:32,240
Speaker 2: Payment is not going to be the majority of your income.

620
00:27:32,280 --> 00:27:34,399
Speaker 4: It's not going to be enough to do dental and

621
00:27:34,600 --> 00:27:36,720
Speaker 4: sports and clothing them and feed it.

622
00:27:36,840 --> 00:27:39,639
Speaker 2: I promise you hand on my heart. That is not

623
00:27:39,840 --> 00:27:41,920
Speaker 2: enough money, So sit down. Exactly.

624
00:27:42,000 --> 00:27:44,639
Speaker 5: But even if, like if it was the other way

625
00:27:44,680 --> 00:27:47,520
Speaker 5: around and she was like, I've paid for all of

626
00:27:47,640 --> 00:27:50,280
Speaker 5: your basic needs and then you go and you do

627
00:27:50,560 --> 00:27:55,400
Speaker 5: have some money that is disposable income or whatever, whether

628
00:27:55,440 --> 00:27:57,080
Speaker 5: you do or you don't. I feel like if you

629
00:27:57,160 --> 00:27:59,040
Speaker 5: go out to the shops and your child is like, hey,

630
00:27:59,040 --> 00:28:01,159
Speaker 5: I'm really hungry, and then you're like, okay, well I'll

631
00:28:01,240 --> 00:28:02,720
Speaker 5: just let me just get you one of these, like,

632
00:28:02,800 --> 00:28:04,040
Speaker 5: you know, a milkshake or something.

633
00:28:04,040 --> 00:28:06,359
Speaker 2: I don't know what kids eat or drink. Mine needs

634
00:28:06,359 --> 00:28:07,200
Speaker 2: a lot of berries.

635
00:28:07,560 --> 00:28:09,719
Speaker 5: Imagine you're out and your child is hungry, and then

636
00:28:09,720 --> 00:28:12,800
Speaker 5: you're like, I've actually paid for your all.

637
00:28:12,760 --> 00:28:16,280
Speaker 2: Of your basic needs. So you already paid my child.

638
00:28:16,359 --> 00:28:20,320
Speaker 5: So yeah, no, yeah, I've paid for your school fees,

639
00:28:20,359 --> 00:28:21,880
Speaker 5: I've contributed to the rent.

640
00:28:22,080 --> 00:28:25,119
Speaker 2: Fits so silly when you put it that way. No, exactly,

641
00:28:25,200 --> 00:28:26,240
Speaker 2: And that's your child.

642
00:28:26,359 --> 00:28:29,959
Speaker 5: You both decide to have children, so your responsibilities as

643
00:28:30,000 --> 00:28:34,000
Speaker 5: a parent never dies, no matter what until you die.

644
00:28:34,480 --> 00:28:36,480
Speaker 2: It doesn't matter if you've already paid for X, y Z.

645
00:28:37,000 --> 00:28:38,480
Speaker 2: You just have to do what you have to do.

646
00:28:38,520 --> 00:28:40,640
Speaker 2: Because you both decide to have children, you just keep

647
00:28:40,680 --> 00:28:42,800
Speaker 2: being a parent. I'm so sorry to this time.

648
00:28:44,320 --> 00:28:47,680
Speaker 4: It makes it's so mad, and it like makes me

649
00:28:47,760 --> 00:28:49,720
Speaker 4: so mad, I think because I have the privilege of

650
00:28:49,840 --> 00:28:51,840
Speaker 4: being in the SESE on the mining community and seeing

651
00:28:51,960 --> 00:28:55,720
Speaker 4: so many single parents with all of these pressures. And

652
00:28:55,840 --> 00:28:57,920
Speaker 4: I think the thing that makes me the maddest is

653
00:28:57,960 --> 00:29:02,000
Speaker 4: when one parent is paying you know what they deem

654
00:29:02,080 --> 00:29:04,600
Speaker 4: to be a lot of child support, but they can't

655
00:29:04,640 --> 00:29:07,920
Speaker 4: seem to conceptualize that that actually does go to the

656
00:29:08,080 --> 00:29:10,600
Speaker 4: child rearing and it's also not enough, and they're like

657
00:29:10,920 --> 00:29:13,360
Speaker 4: throwing shade at the other parent, being like, well, of

658
00:29:13,440 --> 00:29:15,520
Speaker 4: course you can afford that, like you get child support

659
00:29:15,800 --> 00:29:19,479
Speaker 4: as though like they don't deserve it. I know, actually

660
00:29:19,560 --> 00:29:21,680
Speaker 4: blows my mind. Jess, what are your thoughts on this?

661
00:29:22,240 --> 00:29:25,000
Speaker 6: Oh, I completely agree with everything you just said back,

662
00:29:25,040 --> 00:29:26,120
Speaker 6: and I'm not going to go on to be grand

663
00:29:26,240 --> 00:29:28,840
Speaker 6: because I feel like they need it for us, for us,

664
00:29:29,280 --> 00:29:31,680
Speaker 6: you cover it very much. Like I agree with everything

665
00:29:31,760 --> 00:29:34,080
Speaker 6: you said. Yeah, I'm really sorry that you're going through this.

666
00:29:34,440 --> 00:29:38,320
Speaker 6: This is emotionally manipulative. It's really really horrible. They're weaponizing

667
00:29:38,360 --> 00:29:40,400
Speaker 6: your children against you, and that really doesn't sit well

668
00:29:40,440 --> 00:29:42,440
Speaker 6: with me. I'm going to tackle it from a practical

669
00:29:42,640 --> 00:29:45,800
Speaker 6: standpoint and say I kind of have two thoughts on this.

670
00:29:46,280 --> 00:29:48,600
Speaker 2: The first one is that I think there's.

671
00:29:48,400 --> 00:29:51,040
Speaker 6: A lot of benefit to talking to your children like

672
00:29:51,120 --> 00:29:53,800
Speaker 6: their adults. That's something that my parents will really bigne

673
00:29:53,880 --> 00:29:56,720
Speaker 6: with me and my brother, obviously within the level of

674
00:29:56,840 --> 00:29:59,800
Speaker 6: being age appropriate. But the second thing that I would

675
00:29:59,800 --> 00:30:01,640
Speaker 6: say that kind of leans into that is children are

676
00:30:01,760 --> 00:30:05,040
Speaker 6: much more observant, I think than we remember a lot

677
00:30:05,080 --> 00:30:08,240
Speaker 6: of the time as adults. But even if you're not

678
00:30:08,480 --> 00:30:11,080
Speaker 6: talking to them about things, you would be amazed at

679
00:30:11,160 --> 00:30:14,680
Speaker 6: the nonverbal cues that they're picking up the things that

680
00:30:14,800 --> 00:30:17,400
Speaker 6: they're you know, reading between the lines from the conversations

681
00:30:17,400 --> 00:30:19,600
Speaker 6: they're having with you and your ex partner. And so

682
00:30:19,720 --> 00:30:21,760
Speaker 6: I think there, honestly is probably a lot of benefit,

683
00:30:21,840 --> 00:30:25,840
Speaker 6: particularly because these types of living situations can create a

684
00:30:25,880 --> 00:30:28,640
Speaker 6: bit of a sense of instability in just being honest

685
00:30:28,680 --> 00:30:30,760
Speaker 6: with them and you know, sitting them down and explaining

686
00:30:31,080 --> 00:30:33,720
Speaker 6: what is child support, where is that money going? Like

687
00:30:34,240 --> 00:30:36,680
Speaker 6: giving them a bit of an understanding. And again, we

688
00:30:36,720 --> 00:30:38,200
Speaker 6: don't know the ages of your kids. So you know,

689
00:30:38,240 --> 00:30:40,040
Speaker 6: if you're talking to one year old, you said kind

690
00:30:40,040 --> 00:30:42,479
Speaker 6: of preteen, oh okay, pteen, yeah, yeah, Like if you're

691
00:30:42,480 --> 00:30:43,760
Speaker 6: talking to a one year old, might not work.

692
00:30:43,840 --> 00:30:45,560
Speaker 2: But if they're pretty yeah, Harvey is just.

693
00:30:45,640 --> 00:30:49,240
Speaker 4: Like banging on the fridge nowadays, like where the blueberries at,

694
00:30:49,440 --> 00:30:50,719
Speaker 4: not comprehending it all.

695
00:30:50,760 --> 00:30:52,960
Speaker 6: But if they're of that age, they are old enough

696
00:30:53,040 --> 00:30:55,960
Speaker 6: to be able to kind of understand these basic concepts

697
00:30:56,120 --> 00:31:00,920
Speaker 6: of economics, of shared responsibility, of kindness to people who are,

698
00:31:01,360 --> 00:31:03,520
Speaker 6: for better or worse, a part of your family. And

699
00:31:03,640 --> 00:31:05,960
Speaker 6: so I think being really frank in conversations with that

700
00:31:06,360 --> 00:31:09,200
Speaker 6: is beneficial. It also opens the door for them to

701
00:31:09,280 --> 00:31:12,440
Speaker 6: come to you with questions because I think when you

702
00:31:12,600 --> 00:31:15,840
Speaker 6: have two parents that are communicating maybe different things, and

703
00:31:15,960 --> 00:31:19,240
Speaker 6: it sounds like on our listener's side, you're trying to

704
00:31:19,320 --> 00:31:22,080
Speaker 6: protect their image of their dad. You're trying to make

705
00:31:22,160 --> 00:31:25,719
Speaker 6: it feel, you know, maintain that feeling of stability.

706
00:31:25,400 --> 00:31:29,600
Speaker 4: Of where responsibility in the nicest possible way, like the

707
00:31:29,720 --> 00:31:33,600
Speaker 4: team think absolutely, but like if dad wants to act

708
00:31:33,720 --> 00:31:35,000
Speaker 4: that way, I'm so sorry.

709
00:31:35,400 --> 00:31:38,200
Speaker 6: Yeah, And I like, I really appreciate that you're trying

710
00:31:38,240 --> 00:31:40,560
Speaker 6: to do that for them because I'm so kind. It's

711
00:31:40,600 --> 00:31:43,000
Speaker 6: a really good and important, I think thing for you

712
00:31:43,120 --> 00:31:45,120
Speaker 6: to do. But at the same time, all of your

713
00:31:45,440 --> 00:31:48,040
Speaker 6: hard work in that space, it seems like he's likely

714
00:31:48,160 --> 00:31:52,560
Speaker 6: being undermined by your ex partner, and it's tailing that tactic.

715
00:31:52,600 --> 00:31:56,160
Speaker 4: The detriment of your kid's view with you, so like

716
00:31:56,400 --> 00:31:58,840
Speaker 4: you trying to raise their dad up so that you

717
00:31:58,880 --> 00:32:01,000
Speaker 4: know he doesn't look bad. But at the same time,

718
00:32:01,120 --> 00:32:03,320
Speaker 4: the kids are like, well, it's mum's fault because dad

719
00:32:03,360 --> 00:32:06,840
Speaker 4: said that, and then Mum's not defending that exactly where's

720
00:32:06,880 --> 00:32:07,320
Speaker 4: the line?

721
00:32:07,520 --> 00:32:08,640
Speaker 2: Yeah, And I'm definitely not.

722
00:32:08,720 --> 00:32:10,600
Speaker 6: Saying get down in the mud, Like I think no

723
00:32:11,280 --> 00:32:13,440
Speaker 6: better than that. I can understand how it would be

724
00:32:13,560 --> 00:32:16,959
Speaker 6: really hard for you, like emotionally to try and maintain

725
00:32:17,040 --> 00:32:19,040
Speaker 6: I think as women particularly, we really try and hold

726
00:32:19,120 --> 00:32:21,160
Speaker 6: onto all of these things, and we don't want to

727
00:32:21,160 --> 00:32:22,560
Speaker 6: make dad look bad. We want to make life really

728
00:32:22,560 --> 00:32:24,280
Speaker 6: good for the kids. But also like the child support

729
00:32:24,320 --> 00:32:26,360
Speaker 6: isn't enough, and like it can be so hard to balance.

730
00:32:26,760 --> 00:32:29,800
Speaker 6: And I really do think opening those lines of communication

731
00:32:30,120 --> 00:32:33,400
Speaker 6: to your kids, giving them as much information as possible,

732
00:32:33,440 --> 00:32:35,360
Speaker 6: and also making it really clearer than that they can

733
00:32:35,400 --> 00:32:39,080
Speaker 6: come to you with questions will hopefully help ease that

734
00:32:39,160 --> 00:32:43,640
Speaker 6: burden a little bit, hopefully how counteract any misinformation that

735
00:32:43,800 --> 00:32:46,640
Speaker 6: is maybe being shared with them. I would also, if

736
00:32:46,680 --> 00:32:49,200
Speaker 6: you haven't already, have a stern word with your ex

737
00:32:49,280 --> 00:32:52,720
Speaker 6: partner and saying, hey, my dude, this is actually not okay. Like,

738
00:32:53,880 --> 00:32:56,600
Speaker 6: for whatever reason that we broke up, we're raising these kids.

739
00:32:57,160 --> 00:33:00,680
Speaker 6: We're co parents parenting on some level. Again, we don't

740
00:33:00,680 --> 00:33:02,440
Speaker 6: know what the split of time or anything is, but

741
00:33:02,640 --> 00:33:05,880
Speaker 6: we have a responsibility to them to provide stability, to

742
00:33:05,960 --> 00:33:09,400
Speaker 6: provide a loving environment, and that cannot happen when we're

743
00:33:09,480 --> 00:33:11,520
Speaker 6: ripping each other a new one, Like.

744
00:33:12,400 --> 00:33:14,800
Speaker 4: You can say whatever you want about me to all

745
00:33:14,880 --> 00:33:18,560
Speaker 4: your mates, Yeah, go go, ham Son, don't say anything

746
00:33:18,640 --> 00:33:20,560
Speaker 4: to our kids. In fact, a lot of like child

747
00:33:20,640 --> 00:33:24,080
Speaker 4: protecting orders say that the parents can't shit talk each other,

748
00:33:24,400 --> 00:33:27,320
Speaker 4: which is really important. But at the same time, it's

749
00:33:27,480 --> 00:33:30,480
Speaker 4: like for small digs like I would probably be going

750
00:33:30,560 --> 00:33:33,440
Speaker 4: down the route of being honest and open. We don't

751
00:33:33,480 --> 00:33:36,120
Speaker 4: need to do that at the detriment of the other parent.

752
00:33:36,720 --> 00:33:39,840
Speaker 4: But like, how do you get your kids involved to

753
00:33:40,040 --> 00:33:42,920
Speaker 4: a point where it's age appropriate we're talking about budgets,

754
00:33:42,960 --> 00:33:45,520
Speaker 4: like maybe we're like budgeting for school stuff or like

755
00:33:45,640 --> 00:33:48,080
Speaker 4: you go, okay, cool, like here's my budget, or you know,

756
00:33:48,400 --> 00:33:50,560
Speaker 4: here's the split of how much money comes in for

757
00:33:50,640 --> 00:33:52,360
Speaker 4: you guys, and this and this is where it goes,

758
00:33:52,400 --> 00:33:54,200
Speaker 4: and this is what your school fees are. So that

759
00:33:54,360 --> 00:33:57,280
Speaker 4: maybe as your kids get a little bit older and

760
00:33:57,440 --> 00:34:01,760
Speaker 4: maybe your ex is making comments about finances, it just

761
00:34:01,840 --> 00:34:04,360
Speaker 4: doesn't make sense to your kids. So like you know,

762
00:34:04,640 --> 00:34:06,880
Speaker 4: one plus one doesn't equal to he might be going,

763
00:34:07,280 --> 00:34:09,200
Speaker 4: we give you so much money, but the kids are

764
00:34:09,280 --> 00:34:11,920
Speaker 4: kind of like, oh, well, actually that only covers this,

765
00:34:12,120 --> 00:34:14,560
Speaker 4: this and this, and like I've seen that budget. Like

766
00:34:15,120 --> 00:34:18,160
Speaker 4: we're not trying to shit can each other, but like

767
00:34:18,520 --> 00:34:20,759
Speaker 4: give them enough, because as you were saying before, Jess,

768
00:34:20,840 --> 00:34:23,360
Speaker 4: like kids read between the lines, like they kind of

769
00:34:23,440 --> 00:34:26,479
Speaker 4: know in a way what's going on, But I would

770
00:34:26,560 --> 00:34:29,879
Speaker 4: not want it to be at the detriment of you, mum,

771
00:34:30,040 --> 00:34:31,759
Speaker 4: Like you're doing such a good job, and the fact

772
00:34:31,760 --> 00:34:34,120
Speaker 4: that you're caring so much about even the way they're

773
00:34:34,680 --> 00:34:37,200
Speaker 4: they're having a relationship with their dad when he's clearly

774
00:34:37,320 --> 00:34:40,120
Speaker 4: not that kind to you, speaks volumes about the person

775
00:34:40,200 --> 00:34:42,840
Speaker 4: that you are yeah, And I just I have friends

776
00:34:42,880 --> 00:34:45,160
Speaker 4: who are going through this and I know what they're

777
00:34:45,200 --> 00:34:48,040
Speaker 4: ex did. I know, And like, I don't think I

778
00:34:48,120 --> 00:34:50,640
Speaker 4: would be as big a person as these moms are

779
00:34:51,040 --> 00:34:52,880
Speaker 4: because I just go, if you did that to me,

780
00:34:53,040 --> 00:34:56,480
Speaker 4: straight under the bus. But they speak so highly of

781
00:34:56,560 --> 00:34:59,160
Speaker 4: their partner to their kids, like they are bending over backwards.

782
00:34:59,200 --> 00:35:01,880
Speaker 4: Their kids would never I know what happened personally that

783
00:35:02,040 --> 00:35:04,640
Speaker 4: I just sometimes I think, my god, like what happens

784
00:35:04,680 --> 00:35:06,520
Speaker 4: when they're kids are adults.

785
00:35:06,160 --> 00:35:09,439
Speaker 2: And they go, Mummy, what really happened? And you go, well, yeah,

786
00:35:09,680 --> 00:35:11,040
Speaker 2: daddy x y zed.

787
00:35:11,160 --> 00:35:13,200
Speaker 4: I would just be like I would love to be

788
00:35:13,239 --> 00:35:15,040
Speaker 4: a fly on the wall, but the kids would never

789
00:35:15,120 --> 00:35:18,399
Speaker 4: even get that inkling because it's so I guess calm,

790
00:35:18,680 --> 00:35:21,800
Speaker 4: and the co parenting relationship is really amicable. So I

791
00:35:22,000 --> 00:35:25,120
Speaker 4: just I think, how can you feel a bit more

792
00:35:25,160 --> 00:35:27,960
Speaker 4: in control because it's clearly weighing on you very emotionally.

793
00:35:28,160 --> 00:35:32,600
Speaker 4: But also, like they seem preteens, that's a great time

794
00:35:32,680 --> 00:35:35,160
Speaker 4: to get them involved in household budgets, whether it is

795
00:35:35,600 --> 00:35:38,279
Speaker 4: you know, we're not sitting down being like rent is this,

796
00:35:38,600 --> 00:35:42,640
Speaker 4: mortgages that whatever, but like could they get involved with okay, cool,

797
00:35:42,719 --> 00:35:45,879
Speaker 4: here's our grocery budget. Here's how much we have, Here's

798
00:35:45,920 --> 00:35:47,920
Speaker 4: how much things cost. This is what we spend on

799
00:35:48,000 --> 00:35:51,799
Speaker 4: a weekly basis. You guys actually have fifty dollars allocated

800
00:35:51,840 --> 00:35:54,000
Speaker 4: a week for school lunches and snacks. How do you

801
00:35:54,040 --> 00:35:57,080
Speaker 4: want that spent? And kids, they're smart, they can work

802
00:35:57,160 --> 00:35:59,000
Speaker 4: that out. Like if you say to a kid, Okay,

803
00:35:59,040 --> 00:36:00,719
Speaker 4: well you can have the smith chips. And I think

804
00:36:00,760 --> 00:36:02,320
Speaker 4: I've said this on the show before. Used to be

805
00:36:02,440 --> 00:36:04,839
Speaker 4: so envious of the kids who had the Smith's chips,

806
00:36:04,920 --> 00:36:06,520
Speaker 4: not the like home brand ones. Do you remember the

807
00:36:06,560 --> 00:36:08,759
Speaker 4: home brand white packets that had the green lines on

808
00:36:08,960 --> 00:36:12,680
Speaker 4: for the chicken. I always had those, And it turns

809
00:36:12,719 --> 00:36:15,000
Speaker 4: out it's just because my mum's a money saving queen.

810
00:36:15,239 --> 00:36:18,480
Speaker 4: She's like, same stuff that you get more. But I

811
00:36:18,560 --> 00:36:21,480
Speaker 4: always saw it as being detrimental, and I wish at

812
00:36:21,520 --> 00:36:23,600
Speaker 4: that point Mum had been like, did you realize that

813
00:36:23,719 --> 00:36:26,319
Speaker 4: the cost difference here is here and you get ab C.

814
00:36:26,560 --> 00:36:29,920
Speaker 2: D or one packet of Jibby's right? Do you know

815
00:36:29,960 --> 00:36:30,319
Speaker 2: what I mean?

816
00:36:30,440 --> 00:36:32,800
Speaker 4: Like? Can we involve kids in these conversations so that

817
00:36:32,880 --> 00:36:35,239
Speaker 4: they can be not led down the garden path, but

818
00:36:35,320 --> 00:36:38,920
Speaker 4: they can like comprehend the decisions that being made, because

819
00:36:38,960 --> 00:36:42,239
Speaker 4: I guarantee that like when I was that age, I

820
00:36:42,280 --> 00:36:43,919
Speaker 4: wouldn't have known what the groceries cost.

821
00:36:44,160 --> 00:36:46,439
Speaker 2: No, I don't know what it costs to makes bag bowl.

822
00:36:47,120 --> 00:36:48,640
Speaker 6: And if your partner's going, oh my wait, I pay

823
00:36:48,640 --> 00:36:50,400
Speaker 6: a thousand dollars a week at like whatever it is,

824
00:36:50,680 --> 00:36:52,920
Speaker 6: that's a big number to kids. Yeah, you go, wow,

825
00:36:53,000 --> 00:36:55,160
Speaker 6: that's so much money. Like I'm not seeing any of that,

826
00:36:55,480 --> 00:36:57,200
Speaker 6: not really realizing where it's going.

827
00:36:57,239 --> 00:37:00,560
Speaker 4: Exactly, and like, yeah, let's be honest. Let's pretend you're

828
00:37:00,560 --> 00:37:03,399
Speaker 4: a fourteen year old girl. You hear that dad's paying

829
00:37:03,640 --> 00:37:05,640
Speaker 4: one thousand dollars a month or a week or whatever

830
00:37:05,760 --> 00:37:06,640
Speaker 4: it is for me.

831
00:37:07,000 --> 00:37:08,520
Speaker 2: I see that cash? What the hell?

832
00:37:08,640 --> 00:37:08,839
Speaker 1: Mum?

833
00:37:09,040 --> 00:37:12,560
Speaker 2: Yeah, Like sit down, anyway, we everybody else there. We

834
00:37:12,640 --> 00:37:13,480
Speaker 2: asked the community.

835
00:37:14,000 --> 00:37:16,680
Speaker 4: We said, first, do you think kids should know about

836
00:37:16,719 --> 00:37:19,719
Speaker 4: child support arrangements? Seventy four percent of you said yes,

837
00:37:19,960 --> 00:37:23,400
Speaker 4: of course in an age appropriate way. Eighteen percent said no,

838
00:37:23,680 --> 00:37:26,400
Speaker 4: that's between the adults, and nine percent said only if

839
00:37:26,440 --> 00:37:29,680
Speaker 4: they're asking. We then said, what would you do if

840
00:37:29,719 --> 00:37:31,960
Speaker 4: your ex was saying this kind of stuff to your kids?

841
00:37:32,600 --> 00:37:34,920
Speaker 4: Forty percent of you said, speak to the co parent.

842
00:37:35,160 --> 00:37:38,160
Speaker 4: Thirty eight percent of you said gently correct the narrative,

843
00:37:38,680 --> 00:37:41,239
Speaker 4: twenty percent said I go and actually ask a professional

844
00:37:41,320 --> 00:37:45,239
Speaker 4: for advice, and two percent said avoid fueling the drama, which,

845
00:37:45,440 --> 00:37:47,359
Speaker 4: like I get because you also just don't know who's

846
00:37:47,400 --> 00:37:48,200
Speaker 4: the co parent.

847
00:37:48,520 --> 00:37:52,920
Speaker 2: Like, are we dealing with some dood unhinged? That's a

848
00:37:52,960 --> 00:37:53,520
Speaker 2: really herd point.

849
00:37:53,560 --> 00:37:57,080
Speaker 6: Actually, maybe something we should say is not knowing you know,

850
00:37:57,160 --> 00:38:00,640
Speaker 6: there's acknowledging that there's very much you know, we're just.

851
00:38:00,719 --> 00:38:04,480
Speaker 4: Assuming that this is not some absolute narcissist, terrible person,

852
00:38:04,680 --> 00:38:07,759
Speaker 4: terrible person who's manipulative and was abusive and all of this.

853
00:38:08,600 --> 00:38:10,400
Speaker 2: We just think it's your ex. Throw in some shade.

854
00:38:10,520 --> 00:38:13,440
Speaker 4: Yeah, Like that's where we're giving this advice from. Because

855
00:38:13,480 --> 00:38:16,520
Speaker 4: if it is that that, we actually do need to

856
00:38:16,520 --> 00:38:19,960
Speaker 4: get professionals involved. That's not for a money podcast to

857
00:38:20,080 --> 00:38:23,320
Speaker 4: advise on. We did, though, ask the community, could you

858
00:38:23,360 --> 00:38:25,680
Speaker 4: give us your two cents? First person said this is

859
00:38:25,760 --> 00:38:27,560
Speaker 4: so icky. My dad pulled this too.

860
00:38:28,120 --> 00:38:31,000
Speaker 2: Later I found out he's actually only paying twenty bucks

861
00:38:31,040 --> 00:38:32,440
Speaker 2: a month. Oh my god.

862
00:38:33,400 --> 00:38:33,600
Speaker 6: Yeap.

863
00:38:33,719 --> 00:38:35,919
Speaker 4: Someone else said, do not protect your ex. He didn't

864
00:38:35,920 --> 00:38:38,200
Speaker 4: provide financial support for his kids and now he's being

865
00:38:38,239 --> 00:38:40,520
Speaker 4: spiteful about it. It's a great point.

866
00:38:40,680 --> 00:38:40,759
Speaker 6: Ye.

867
00:38:40,880 --> 00:38:44,040
Speaker 4: Another person said, I actually work in post separation mediation,

868
00:38:44,320 --> 00:38:48,440
Speaker 4: and including kids in the CS conversation is not recommended

869
00:38:48,920 --> 00:38:55,280
Speaker 4: really currently, which I find that's so interesting. Yes, super interesting.

870
00:38:55,640 --> 00:38:57,680
Speaker 2: Might be worth speaking to an expert then to get on.

871
00:38:58,600 --> 00:39:01,160
Speaker 4: And if you're going through that situation and there is

872
00:39:01,280 --> 00:39:04,440
Speaker 4: like court mandated child support being paid, there's going to

873
00:39:04,480 --> 00:39:06,360
Speaker 4: be professionals involved that you can go back to and

874
00:39:06,440 --> 00:39:07,840
Speaker 4: be like, hey, what's this look like.

875
00:39:08,719 --> 00:39:11,640
Speaker 2: Another person said, what a dirt bag. I love that.

876
00:39:12,719 --> 00:39:15,080
Speaker 4: Someone else said avoiding the tit for tat is honestly

877
00:39:15,160 --> 00:39:18,320
Speaker 4: harder than you think, but the kids actually hate hearing it,

878
00:39:18,440 --> 00:39:19,480
Speaker 4: so keep going on, mum.

879
00:39:19,880 --> 00:39:20,080
Speaker 2: Yeah.

880
00:39:20,360 --> 00:39:22,920
Speaker 4: Another person said, why don't you do a post separation

881
00:39:23,160 --> 00:39:26,080
Speaker 4: parenting course? Which I don't even know was a thing.

882
00:39:26,480 --> 00:39:29,160
Speaker 4: It's quite cool. Someone else said it's not your job

883
00:39:29,239 --> 00:39:32,320
Speaker 4: to volunteer information, but you could correct it. A therapist

884
00:39:32,480 --> 00:39:35,399
Speaker 4: might advise you of something and how to have those conversations.

885
00:39:36,160 --> 00:39:38,759
Speaker 4: Then another person and I love this is going to

886
00:39:38,800 --> 00:39:42,600
Speaker 4: be like my second last one said, children will always

887
00:39:42,640 --> 00:39:45,440
Speaker 4: remember which parent made them feel safer. Actions are always

888
00:39:45,480 --> 00:39:46,600
Speaker 4: going to speak louder than work.

889
00:39:46,719 --> 00:39:47,120
Speaker 9: So true.

890
00:39:47,360 --> 00:39:48,200
Speaker 2: Yeah, that's a good point.

891
00:39:48,360 --> 00:39:51,479
Speaker 4: And then someone else said, in my custody order, neither

892
00:39:51,560 --> 00:39:54,360
Speaker 4: parent can actually say negative comments about the other parent.

893
00:39:55,160 --> 00:39:59,680
Speaker 2: I understand that, but I think like impracticality. Yeah yeah,

894
00:40:00,040 --> 00:40:01,560
Speaker 2: like how do you how do you manage that?

895
00:40:01,680 --> 00:40:03,759
Speaker 4: Feel like, oh, court ordered, it's like, well, I wasn't

896
00:40:03,800 --> 00:40:05,919
Speaker 4: saying anything bad, it's just fact, it's just fat.

897
00:40:05,960 --> 00:40:06,920
Speaker 2: Yeah, Like it's all subjective.

898
00:40:07,120 --> 00:40:09,399
Speaker 6: The kids are making it up or it's very hard,

899
00:40:09,520 --> 00:40:13,640
Speaker 6: too hard, And I agree that sometimes it's necessary. Oh absolutely,

900
00:40:13,760 --> 00:40:16,480
Speaker 6: But also I really like that point of kids are

901
00:40:16,480 --> 00:40:19,040
Speaker 6: always going to remember who made them feel the safest,

902
00:40:19,160 --> 00:40:20,759
Speaker 6: the most welcome, the most heard.

903
00:40:21,000 --> 00:40:23,759
Speaker 2: Like, well, let's focus on that. Yeah, it's a great take.

904
00:40:24,200 --> 00:40:24,680
Speaker 9: I love that.

905
00:40:24,920 --> 00:40:26,040
Speaker 2: All right, Well that's strong.

906
00:40:26,200 --> 00:40:28,839
Speaker 4: Unfortunately, guys all we have time for today, so we'll

907
00:40:28,880 --> 00:40:30,719
Speaker 4: see bright early on Monday for a money diary.

908
00:40:30,760 --> 00:40:32,080
Speaker 2: But till then, have a great weekend.

909
00:40:32,280 --> 00:40:32,760
Speaker 6: Hey, guys.

910
00:40:32,920 --> 00:40:41,160
Speaker 8: By the advice shared on She's on the Money is

911
00:40:41,280 --> 00:40:44,840
Speaker 8: general in nature and does not consider your individual circumstances.

912
00:40:45,239 --> 00:40:48,600
Speaker 8: She's on the Money exists purely for educational purposes and

913
00:40:48,680 --> 00:40:51,120
Speaker 8: should not be relied upon to make an investment or

914
00:40:51,200 --> 00:40:54,760
Speaker 8: financial decision. If you do choose to buy a financial product,

915
00:40:54,880 --> 00:40:58,320
Speaker 8: read the PDS, TMD, and obtain appropriate financial.

916
00:40:58,000 --> 00:40:59,720
Speaker 2: Advice tailored towards your needs.

917
00:41:00,160 --> 00:41:04,040
Speaker 8: Victoria, Divine and She's on the Money are authorized representatives

918
00:41:04,120 --> 00:41:06,480
Speaker 8: of Money sherper P, T y L t D A

919
00:41:06,640 --> 00:41:09,520
Speaker 8: b N three two one six four nine two seven

920
00:41:09,640 --> 00:41:12,440
Speaker 8: seven zero eight a F s L four five one

921
00:41:12,680 --> 00:41:13,480
Speaker 8: two eight nine