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

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Speaker 1: the Order Kerni 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 2: Hello and welcome to She's on the Money podcast that

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Speaker 2: makes personal finance fun, especially on Fridays. It's our favorite

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Speaker 2: day of the week because we get our team together

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Speaker 2: and we celebrate you our incredible She's on the Money community.

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Speaker 2: It's just Greachy is here as always sharing our favorite

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Speaker 2: money wins. Beck is here sharing her broke tips, and

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Speaker 2: we're going to be helping to answer money dilemma this week.

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Speaker 2: It's all about whether you should re mortgage to get

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Speaker 2: an offset account. That's secretly something I really want to

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Speaker 2: talk about. And something that you slid into our dams

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Speaker 2: about this week? Who is in the right in a

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Speaker 2: wedding guest list drama? I have strong opinions on this,

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Speaker 2: strong opinions the same as somebody who went through a wedding.

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Speaker 2: You know, I'd do it, I'd do it again. I'll

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Speaker 2: do it again. But before we get there, my loves,

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Speaker 2: how are your weeks really good?

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Speaker 4: Happy onyx Storm release week to everybody.

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Speaker 2: So bad, Like, oh my goodness. I feel like those

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Speaker 2: two books got me back into reading. Like I read

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Speaker 2: the first one and I was like, oh, that's pretty good.

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Speaker 2: And then I think it was you and you were like,

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Speaker 2: have you read the sequel? And I was like, sorry,

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Speaker 2: a sequel to a book I loved? Say less no, no,

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Speaker 2: but yes.

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Speaker 4: So for Becc and anyone who doesn't know, there's a

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Speaker 4: series of books called Fourth Wing. They are in the Romanticy.

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Speaker 4: Remember me probably about a year ago, being like I

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Speaker 4: want book recommendations, no smut, and now I'm.

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Speaker 2: Like, give me this. It is actually the funniest thing.

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Speaker 2: Just like I don't think I'm into it, and I

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Speaker 2: was like, I think you are.

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Speaker 4: You know you know what I realized I don't want

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Speaker 4: smart for smut's sake. It has to be.

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Speaker 2: It's part of the story.

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Speaker 4: I'm part of, like because people have sex, right, so

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Speaker 4: it's like when it do that shockingly, how you pro create?

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Speaker 4: When it's part I like it anyway. So it's there's

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Speaker 4: two books that are out already. It's Fantasy Romantic Dragons,

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Speaker 4: very good.

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Speaker 2: I've got Fourth Wing and then you've got Iron Flame.

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Speaker 2: And both of them were good books.

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Speaker 4: Yes, and I only read them. So I only read

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Speaker 4: these books like this month, so I haven't had to.

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Speaker 2: Wasn't even you. It must have been Brooke who was

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Speaker 2: having this conversation with me. Yes, it was Brooks. She

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Speaker 2: recommended this book to me. I was like, great, thanks,

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Speaker 2: It got me back into reading. So then she said

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Speaker 2: that there was a sequel and I was like, say less,

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Speaker 2: I cannot wait to read this. Got to the end

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Speaker 2: of it and was like, oh, it's a trilogy. Fantastic

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Speaker 2: because it said at the back that what was it

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Speaker 2: onyx Storm is next. And then I'm like, great, I'll

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Speaker 2: go on my Kindle. I'll purchase that Live Lovelf.

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Speaker 4: Not ready out and it was months. Yeah, the girls

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Speaker 4: have been waiting about a year, I think, and it

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Speaker 4: came out on Tuesday.

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Speaker 2: I had it on pre order. Girl, it is going

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Speaker 2: to be on my kindle already waiting for me when

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Speaker 2: I have a moment. I read it in like two days. Wait,

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Speaker 2: so great week, Great week. Jess has been reading smart

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Speaker 2: this week? Is the Stmary of that conversation. Yes, how

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Speaker 2: are you? I can tell, I can tell.

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Speaker 5: She's glowing, good week, settled into new home. Just you know, honestly,

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Speaker 5: nothing that is super noteworthy.

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Speaker 4: Nothing.

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Speaker 2: There absolutely is next week anniversary. Oh no, oh, no,

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Speaker 2: you go, you go. It's about you, babe. You came

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Speaker 2: into the office or you came into the studio carrying

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Speaker 2: a coffee. Yes, no, tell me about the coffee situation

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Speaker 2: because I'm really proud of you. Think you.

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Speaker 5: I've just got like a seven buck French press from Kmart. Yeah,

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Speaker 5: and I well, I told myself that I can't buy coffee,

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Speaker 5: and usually on my own I cannot stick to something.

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Speaker 5: So I've written like a thing to my best friend.

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Speaker 5: It's a contract that says if I break this contract,

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Speaker 5: I owe you a thousand dollars.

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Speaker 2: Okay, I didn't realize it was that dramatic because Beck

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Speaker 2: is a chronic coffee goal. I showed the cafe like

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Speaker 2: totally system. Yes, and now you're making three or four

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Speaker 2: a day.

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Speaker 5: Yes. There are several things in this contract like must

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Speaker 5: exercise X amount of times for a week. I must

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Speaker 5: do thirty minutes exercise before I can vape every day,

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Speaker 5: which is a bignored at the end of it, which

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Speaker 5: is like something you need when you're trying to build

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Speaker 5: a habit, reward and something something, something, I don't know what.

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Speaker 2: I would argue that using the vapors the reward is reinforcing.

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Speaker 5: I know it's silly, but it's like the only thing

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Speaker 5: that will help me stick to it. So this is

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Speaker 5: this is the thing. So I haven't brought coffee in weeks, weeks.

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Speaker 5: I don't know how much to say it, probably not

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Speaker 5: much yet.

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Speaker 2: But I am so impressed. Can you do something for me? Absolutely?

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Speaker 2: Oh that's so nice, even asking no. Can you set

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Speaker 2: up an automatic direct debit because I know that you

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Speaker 2: were buying like four coffees a day. You were buying

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Speaker 2: at least four because like our senior budget, babe, I've

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Speaker 2: seen it senior spending, I know, and that's no judgment,

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Speaker 2: but can you transfer the amount of two coffees like

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Speaker 2: just set up a direct debit for the cost of

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Speaker 2: two coffees every day into a savings account. I do

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Speaker 2: have an account called Haven't Brought Coffee. I haven't just

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Speaker 2: set up an orto transfer yet, but no, no, we're going

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Speaker 2: to set up the auto transfer next because then it's

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Speaker 2: just going to be taking the money that you already

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Speaker 2: felt like was going to going so instead of getting

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Speaker 2: to the end of the month being like which I

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Speaker 2: know you well enough to say this, this is an offense.

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Speaker 2: If you would get to the end of the month,

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Speaker 2: I've got extra fifty bucks, I'm going to spend it,

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Speaker 2: like I think that would happen. So can we get

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Speaker 2: rid of it before that happens? Lock it away?

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Speaker 5: I know have been locking my accounts now actually, which

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Speaker 5: is maybe there's other banks, but I'm you're not.

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Speaker 2: On your Chazy's app too, so I know you're so

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Speaker 2: you could like have a direct debit for investing. Yes, yes, yes, okay, yes, busy, busy.

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Speaker 2: We had our Australian Open live show last week which

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Speaker 2: was really really cool and I feel like I'm so

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Speaker 2: riding that high. It has been so busy. I feel

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Speaker 2: like I'm just so excited to be back at work,

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Speaker 2: Like I've been going into the office and I only

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Speaker 2: go into like the Zella offices once or twice a week.

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Speaker 2: At the moment, I just I want to be in

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Speaker 2: there more. Like I just I'm so excited for or achieving.

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Speaker 2: Our team is growing, like they're so motivated. I don't know,

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Speaker 2: maybe they needed a break from me to come back

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Speaker 2: refreshed and reinvigorated. But like everybody's just like on a

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Speaker 2: high getting stuff done. Like I don't know if this

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Speaker 2: is like too much to share, but we had the

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Speaker 2: most amount of settlements that we've actually ever done as

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Speaker 2: a business in January, and I just think that's so

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Speaker 2: exciting to come into and like, I don't know, it's

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Speaker 2: just it has been.

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Speaker 4: A fun time. Yes, that's so cool.

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Speaker 2: Yeah.

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Speaker 4: She rad the high with the five star review one hundred.

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Speaker 2: All right, so this one is from Ashley Atkinson and

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Speaker 2: she said five stars. I am obsessed with She's on

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Speaker 2: the Money. I listen every day on my commute to work.

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Speaker 2: I feel completely aligned to their mission of empowering women

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Speaker 2: to get financial freedom. I open up the topic of

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Speaker 2: finance in my own team and recently helped a twenty

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Speaker 2: six year old into her first home, which she didn't

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Speaker 2: even think was possible from her background. That is the

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Speaker 2: ripple effect of the She's on the money women empowering

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Speaker 2: other women. So cool, as VD says, a rising tide

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Speaker 2: lifts all ships. Thanks team, Oh that's really really cool.

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Speaker 2: Isn't that the cutest thing ever?

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Speaker 6: Really?

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Speaker 2: What do you mean you then helped somebody else buy

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Speaker 2: their first home and they didn't even think that was

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Speaker 2: possible until you shared it. That is really cool.

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Speaker 4: She's on the money disciples. They're doing this anything.

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Speaker 2: This is a pyramid scheme I can get behind. I

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Speaker 2: said something and then you shed it, and then you

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Speaker 2: shared it with somebody else.

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Speaker 4: Stay less, someone's talking incredible.

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Speaker 2: Say less. Welcome to the cult, baby, all right, Miss

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Speaker 2: Jess agree, she's speaking of our cult. What money wins

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Speaker 2: if they got this week already?

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Speaker 4: Firstly, you have one from cult member.

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Speaker 2: Tay who said, money win. We'll subday.

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Speaker 4: Due to my water company not mailing my bills to

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Speaker 4: my correct address for the past three years, we landed

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Speaker 4: ourselves a massive bill. I rang them and complained as

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Speaker 4: this was their fault for not delivering the bills to

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Speaker 4: the correct place, and they halved it.

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Speaker 2: Saved yourself over seventeen hundred dollars. Also, how are they

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Speaker 2: sending it to the wrong address? Like what the dress

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Speaker 2: is using the water?

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Speaker 4: And then Sharon jumped in with a comment underneath and said,

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Speaker 4: from memory, they can only charge you the past twelve

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Speaker 4: months of fees when this happens. She did, they do

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Speaker 4: some research, but you might be entitled to more of

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Speaker 4: a cut.

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Speaker 2: So good. Yeah, it's like it's half I feel like

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Speaker 2: they should baby do okay, but that's that actually a

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Speaker 2: sleigh into it, like saying, oh, by the way, because

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Speaker 2: do you know what you could do? You don't even

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Speaker 2: need to do the research. You can call the water

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Speaker 2: company because I can almost guarantee they would record their

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Speaker 2: calls for quality obviously content. Yeah, so you could call

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Speaker 2: them and say, hey, I'm under the impression that you

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Speaker 2: can actually only charge me for this, and they will

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Speaker 2: either confirm or tonight. They can't lie to you because

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Speaker 2: it will be recorded. Make them do the research exactly. Anyway,

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Speaker 2: carry on.

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Speaker 4: Next, I've got money in from Charlotte who said she

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Speaker 4: cleaned out the meats and leftovers and random things that

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Speaker 4: she had in her freezer and had a week of

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Speaker 4: cheap eats. My personal favorite tips you when we're really broke.

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Speaker 4: I go, okay, that's it. We're eating freezer food for

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Speaker 4: the next week.

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Speaker 5: One.

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Speaker 4: You have so much space for ice cream.

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Speaker 2: I know, and like sometimes I look at it and

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Speaker 2: I'm like, oh, this went off in March twenty twenty three.

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Speaker 2: It was in the freezer. It's fine.

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Speaker 4: Basically, don't think about it.

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Speaker 2: Just eat it. I don't want to talk about how

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Speaker 2: long it can live in the freezer. The freezer makes

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Speaker 2: it invincible.

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Speaker 4: Yeah, yeah, yeah, it lives forever. Next, I've got a

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Speaker 4: money in from Tory who said we finally went to

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Speaker 4: the local farmer's market on a Sunday and we only

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Speaker 4: spent twenty five dollars on all of our fruit and

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Speaker 4: ven for the week for two adults. Oh, it was

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Speaker 4: really well organized and quiet because they went super early.

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Speaker 4: They've decided to make it a little weekly rituals. So

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Speaker 4: now all they need to do is a top hoop

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Speaker 4: shop at Woolly's and for the first time in years,

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Speaker 4: their groceries were less than one hundred dollars.

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Speaker 2: That's such a good deal. Every time I go to

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Speaker 2: the farmer's market, guys, it is a slippery slowe.

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Speaker 4: I get sucked in.

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Speaker 2: Yeah, I'm like, Oh, that boutique granola I definitely need

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Speaker 2: to purchase. Oh you make butter, Yeah, you make hanchhin

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Speaker 2: butter fantastic. You make freeze dried dog treats like I am.

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Speaker 2: It's a slippery, slow It's not a cheap experience. Twenty

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Speaker 2: five dollars. I can get around to that.

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Speaker 4: Well done, really good, good job tory next to all

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Speaker 4: the money in from aunt who said after a post

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Speaker 4: that went up in the group that some of you

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Speaker 4: guys might have seen. It was about the Microsoft Office

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Speaker 4: subscription increase. We've all seen that. She had a chat

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Speaker 4: with her coworker about it and realized that because their

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Speaker 4: workplace pays for them to have obviously the Microsoft Suite

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Speaker 4: on their laptops, they also have access to that on

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Speaker 4: their personal devices. So she can just forego the subscription,

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Speaker 4: get out of here, get about it. Probably painted for

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Speaker 4: a while, Yeah she should. I've used Microsoft Word like

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Speaker 4: two times in the last year for personal use. Really

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Speaker 4: frustrated that I was paying all this money. But good

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Speaker 4: to know I don't need.

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Speaker 5: To total thing about Word is that you either never

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Speaker 5: need it or when you need it, you need it.

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Speaker 2: Dos when that situation arived docs.

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Speaker 4: True, and that's like free.

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Speaker 2: It's free sheets instead of yes, so right, I do

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Speaker 2: love Excel. Don't try and get pry that from her culture. Apologies,

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Speaker 2: it just doesn't work the same on Google sheets. It's

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Speaker 2: just not the same. That's fair.

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Speaker 4: That's not fair, all right, carry on? Sorry from Alisha

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Speaker 4: who said she shopped at Aldi. She went to take

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Speaker 4: her trolley back and she saw that somebody had left

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Speaker 4: theirs in the car park. The worst kind of people.

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Speaker 4: So she took the great back and got herself a

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Speaker 4: free token little because she there.

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Speaker 2: You go love that.

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Speaker 4: And lastly, I have a personal money in did you

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Speaker 4: put in the group?

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Speaker 2: I didn't, Actually I should.

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Speaker 4: I'll put it on the thread. Money in for me,

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Speaker 4: money in for community member Sophie the Queen you may

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Speaker 4: remember a couple of weeks ago, I said, I was

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Speaker 4: devastated because my beloved like forty year old tupperware microwave

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Speaker 4: rice cooker.

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Speaker 2: Yes, the community pulled through, Jessica sld something less.

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Speaker 4: Sophie slid into my DMS and said, is this what

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Speaker 4: you're looking for? And firstly, I'm shocked that she knew

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Speaker 4: from vague my very poor description of what it was

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Speaker 4: of this very specific tool.

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Speaker 2: She has one.

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Speaker 4: It looks brand, it has the like the instruction manual.

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Speaker 4: I did not pitch that. Yeah, so the lid the

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Speaker 4: rascus and there the lids, gotcha. That's what broke on mine.

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Speaker 4: One of those little clippy handles. There's an extra piece

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Speaker 4: that mine doesn't have.

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Speaker 2: So great. Yeah, pretty much. You bought this from this girl.

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Speaker 4: I shured it and she was so lovely. She's like,

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Speaker 4: I believe in paying it for you don't have to,

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Speaker 4: and I was like, no, no, of course I'm going to

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Speaker 4: pay you. So money with her, She's just made some

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Speaker 4: extra cash because apparently I was sitting on using her

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Speaker 4: cupboard and money win for me. I don't have to

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Speaker 4: pay one hundred and fifty dollars one on eBay.

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Speaker 2: Oh my god, is so wholesome. Has been reunited with

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Speaker 2: the rice cooker. Oh lovely. We were all out late worrying.

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Speaker 4: It's always thought about it for months.

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Speaker 2: We definitely didn't forget about that.

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Speaker 4: We can rest good night's sleep.

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Speaker 2: So what broke? Tips? Have you?

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Speaker 1: Good?

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Speaker 2: Do they involve rice cooking?

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Speaker 4: I wish they did.

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Speaker 5: Let me think if I could think of one on

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Speaker 5: the spot. Honestly, rice cooking in general is just like

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Speaker 5: a broke honestly good no, no feeling good rice cooking

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Speaker 5: tip don't buy packet rice. You can make it at home.

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Speaker 5: You can make it a home you mater's huge bags

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Speaker 5: from coals.

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Speaker 2: Yeah, don't buy packet rice. Do you think it's only

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Speaker 2: like a dollar and that feels cheap being you know

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Speaker 2: what's cheaper cooking your own rice at home, And it's

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Speaker 2: always better. It is because it feels like you can

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Speaker 2: taste the loves that. I think you can taste the difference, genuinely,

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Speaker 2: like I reckon. Maybe this is not a good thing

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Speaker 2: for me to say, but I reckon in the blind

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Speaker 2: taste test, I could tell the difference. We're gonna make

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Speaker 2: that a video. Yeah, remember the time I was like, so,

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Speaker 2: I'm a diet coke girl. Do not drink coke zero?

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Speaker 2: Absolutely not. That to me is trash water. Absolutely not

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Speaker 2: pepsi over here pepsi Max. Jess loves pepsi Max. Also

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Speaker 2: trash water, Like I have so much trash to talk about.

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Speaker 2: Pepsi and coke zero absolutely not diet coke though, love

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Speaker 2: of my life, I don't know. Oh, absolutely So. I've

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Speaker 2: been quite aggressive about this as you can tell, Brook

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Speaker 2: from our team made me do a blind taste test

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Speaker 2: of all the different cokes. Turns out I couldn't tell.

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Speaker 2: Oh my god, how the brain, isn't it? And apparently,

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Speaker 2: I say apparently because I think that she foiled me.

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Speaker 2: I told her that the Coked zero tasted the best.

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Speaker 4: I'm all, yeah, I would like right now.

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Speaker 2: So the fact that I am saying I could definitely

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Speaker 2: taste do you free between rice.

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Speaker 4: We'll report back to you on that one when we

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Speaker 4: film the next video. We will do that.

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Speaker 2: We will do that.

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Speaker 5: So this first one comes from I'm so sorry. I

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Speaker 5: don't actually know your name, but we have been chatting.

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Speaker 5: But super Over I'll call you that because that's actually

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00:15:22,960 --> 00:15:25,520
Speaker 5: kind of cool. Super and Never says every few months

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Speaker 5: moondog World has a day we can fill up any

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Speaker 5: size to container with.

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Speaker 2: Fizzle for free, any size.

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Speaker 4: I think that's there.

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Speaker 5: Sel celt Selter. That's called Seltzer, And I know Seltzer

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Speaker 5: is actually soda water in the US. So if you're

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Speaker 5: listening in the US, I'm talking about seltz oh not selter.

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Speaker 2: Wait, so soda water here is seltzer in America? I

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Speaker 2: think so?

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Speaker 4: But here Seltzer is your bod.

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Speaker 5: It's an alcoholic So what are you doing taking an eski?

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Speaker 5: You could take anything and feel it all the way out.

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Speaker 2: What's the most rogue container you can think of? Well,

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Speaker 2: I'm thinking like a bird bath or something. I have

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Speaker 2: a lack of creativity. I'm like Jerry can Jerry can shoe. Okay,

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Speaker 2: a cup is bigger than a I'm just gonna take

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Speaker 2: a cup free seven.

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Speaker 4: Yeah, totally totally.

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Speaker 5: Thing like like you go to like Bunnings and buy

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Speaker 5: like a whole new bathtub. Yes, a blue shell swimming pool.

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Speaker 2: Yes, you could do. Yes, I liked this. We could

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Speaker 2: get quite creative. What else have you got? Oh?

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Speaker 5: Yes, this next one comes from gem who I did

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Speaker 5: not know this and maybe a lot of people do.

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Speaker 5: But optometrists can bulk bill. So Jem got an examination,

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00:16:46,480 --> 00:16:49,680
Speaker 5: eye drops and a minor procedure on Medicare. And I've

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00:16:49,680 --> 00:16:53,520
Speaker 5: been avoiding the optometrist for you know, nothing major, just

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00:16:53,560 --> 00:16:55,880
Speaker 5: like I need to get new glasses, and I know

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Speaker 5: that they do prescriptions for free depending on where you go,

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Speaker 5: But I not know about the rest of this stuff.

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Speaker 5: So if you've been avoiding interest.

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Speaker 2: I've just been avoiding it. So I don't want to

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Speaker 2: wear glasses, but I get headaches in the afternoon, and

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00:17:06,880 --> 00:17:11,399
Speaker 2: I'm convinced any glasses. I don't want cock contact lenses.

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00:17:11,400 --> 00:17:14,800
Speaker 2: There's nothing wrong with it. What's wrong with glasses? Both

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00:17:14,840 --> 00:17:18,240
Speaker 2: of you say wearing glasses. It's the idea that I

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Speaker 2: would have to pick out something that looked good on me,

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00:17:21,160 --> 00:17:24,159
Speaker 2: and I really struggle with the idea of sunglasses, and

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Speaker 2: then the idea that I feel like it's a new

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Speaker 2: personality trait. It really is, because when I ask my

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Speaker 2: friends and then people are get to comment on it consistently.

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Speaker 2: Oh did you get glasses? Yes, I can't see Belinda.

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Speaker 5: I don't like the sounds as Blinda, but I as.

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Speaker 2: Friends with Sharon.

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00:17:41,359 --> 00:17:43,040
Speaker 5: It really is a new identity because when I ask

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00:17:43,119 --> 00:17:45,360
Speaker 5: my friends, now, when you picture me, do you pitch

380
00:17:45,440 --> 00:17:46,840
Speaker 5: me with glasses or without glasses?

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00:17:46,840 --> 00:17:48,280
Speaker 2: With glasses?

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00:17:48,720 --> 00:17:51,400
Speaker 5: I still picture myself without glasses when I think of myself.

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00:17:51,720 --> 00:17:54,040
Speaker 5: But because I this is you know, a few years,

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00:17:54,080 --> 00:17:56,280
Speaker 5: so that's not my whole life. So I'm like, it

385
00:17:56,400 --> 00:17:58,159
Speaker 5: is weird how other people perceive you and see some

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Speaker 5: one glass.

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00:17:58,680 --> 00:18:01,879
Speaker 2: It's like when I see my day without glasses.

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00:18:03,400 --> 00:18:07,560
Speaker 4: Something, Yeah, that's not my dadases, I never wanted to

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Speaker 4: be that person.

390
00:18:08,080 --> 00:18:09,960
Speaker 2: Now I'm that person. Unfortunately, can't go back. But they

391
00:18:10,040 --> 00:18:11,840
Speaker 2: suit you so like, do you even need to see

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00:18:11,840 --> 00:18:14,440
Speaker 2: the optometrists because you don't look like you need new ones?

393
00:18:14,840 --> 00:18:17,600
Speaker 4: Thank you so much. You look like I need new ones.

394
00:18:22,480 --> 00:18:22,880
Speaker 2: Exactly.

395
00:18:22,920 --> 00:18:26,680
Speaker 4: You're saying, I don't want to look at you anymore.

396
00:18:27,440 --> 00:18:32,800
Speaker 2: Luckily I can't. But what's your broke tip? I'm so sorry,

397
00:18:33,119 --> 00:18:34,560
Speaker 2: that's okay, it's probably for the best.

398
00:18:36,400 --> 00:18:39,160
Speaker 4: My broke tip is it's stolen.

399
00:18:39,520 --> 00:18:41,880
Speaker 2: Okay, it's stolen. Thank you so much.

400
00:18:41,920 --> 00:18:43,159
Speaker 4: A friend of mine said, it's.

401
00:18:43,000 --> 00:18:46,320
Speaker 2: The best type of broke tip, exactly for it exactly.

402
00:18:46,600 --> 00:18:49,440
Speaker 5: My friend says, if you get an overnight trip, say

403
00:18:49,440 --> 00:18:51,400
Speaker 5: you're like doing a lot of travel, and I guess

404
00:18:51,400 --> 00:18:53,159
Speaker 5: this is more so if you're like going overseas for

405
00:18:53,200 --> 00:18:55,760
Speaker 5: like six months, trying as many overnight trips as you

406
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Speaker 5: can because you're saving on accommodation.

407
00:18:58,520 --> 00:18:59,200
Speaker 4: That's a great one.

408
00:18:59,320 --> 00:19:05,720
Speaker 5: You know, they're really good, Yes, everything, overnight everything, and

409
00:19:05,760 --> 00:19:08,600
Speaker 5: then you're yeah, exactly, rely tired, I know. But if

410
00:19:08,600 --> 00:19:10,720
Speaker 5: you get if you get yourself a cabin on a bus,

411
00:19:11,119 --> 00:19:15,680
Speaker 5: that's a good idea. Combining two things travel and travel hat.

412
00:19:15,840 --> 00:19:18,640
Speaker 2: I wonder how many people have now decided this year

413
00:19:18,680 --> 00:19:20,199
Speaker 2: is like their year to do travel.

414
00:19:20,480 --> 00:19:22,800
Speaker 4: I want to travel this year, So that where you're

415
00:19:22,800 --> 00:19:26,480
Speaker 4: going to go, I don't know, for a house.

416
00:19:29,760 --> 00:19:33,320
Speaker 2: Relatable, but also you're not broke. I have seen your savings.

417
00:19:33,680 --> 00:19:34,720
Speaker 2: I want to do. I really want to do a

418
00:19:34,760 --> 00:19:35,680
Speaker 2: Disney cruise.

419
00:19:38,400 --> 00:19:41,639
Speaker 4: They're pretty new here and they look so fun, but

420
00:19:41,800 --> 00:19:42,880
Speaker 4: they're very expensive from.

421
00:19:42,800 --> 00:19:45,280
Speaker 2: What I've heard, are they Disney? What happens on a

422
00:19:45,320 --> 00:19:47,439
Speaker 2: Disney cruise? I'm not going to lie. I'm not going

423
00:19:47,520 --> 00:19:49,320
Speaker 2: to lie. In fact, I'm going to be brutally honest.

424
00:19:49,440 --> 00:19:50,360
Speaker 4: Not your idea of good time.

425
00:19:50,840 --> 00:19:54,520
Speaker 2: No, I've never done a cruise, so I just the

426
00:19:54,560 --> 00:19:57,880
Speaker 2: idea of being stuck on a ship does not sound entertaining.

427
00:19:57,800 --> 00:19:59,880
Speaker 4: For Disney specifically that.

428
00:20:00,080 --> 00:20:02,359
Speaker 2: Selling you do you want to wait until Harvey is

429
00:20:02,359 --> 00:20:04,480
Speaker 2: old enough to want to go on a cruise, because

430
00:20:04,480 --> 00:20:12,080
Speaker 2: I feel like that would make it from anywhere.

431
00:20:12,280 --> 00:20:14,680
Speaker 4: She's on the ship, she's on the show guards start

432
00:20:14,800 --> 00:20:18,480
Speaker 4: Harvey in a little sailor hat, stop Sailors. Absolutely, we'll do.

433
00:20:18,480 --> 00:20:21,320
Speaker 2: It Harvy with Mickey ears.

434
00:20:20,320 --> 00:20:21,320
Speaker 4: Oh, that's very cute.

435
00:20:21,359 --> 00:20:24,080
Speaker 5: And when we do our she's on the ship we

436
00:20:24,200 --> 00:20:26,440
Speaker 5: have to be speaking in like she's on the four

437
00:20:26,480 --> 00:20:32,480
Speaker 5: Seas seas, let's be our whole identity.

438
00:20:32,480 --> 00:20:34,560
Speaker 2: Did you say that the Disney cruise was really expensive?

439
00:20:34,560 --> 00:20:36,359
Speaker 2: Because if you work for Disney Cruises, I think you

440
00:20:36,359 --> 00:20:38,360
Speaker 2: should call us because.

441
00:20:39,280 --> 00:20:42,399
Speaker 4: Voice acting future, that's incredible.

442
00:20:42,520 --> 00:20:44,160
Speaker 2: I feel like Beck would go on a Disney cruise.

443
00:20:44,240 --> 00:20:47,200
Speaker 2: Oh yeah, I think I reckon Emma, our producer, would

444
00:20:47,200 --> 00:20:48,959
Speaker 2: go on to Disney cruise. I feel like we're all

445
00:20:49,000 --> 00:20:50,080
Speaker 2: going on to Disney cruise.

446
00:20:50,200 --> 00:20:52,600
Speaker 5: Someone's got to know someone say less, yes, someone out

447
00:20:52,600 --> 00:20:54,040
Speaker 5: there if you know something.

448
00:20:54,720 --> 00:20:57,680
Speaker 4: Night trips though, genius, Yes, you do it on a ship.

449
00:20:57,800 --> 00:21:00,520
Speaker 2: Can't out on a cruise because that's the whole holiday,

450
00:21:00,400 --> 00:21:00,960
Speaker 2: the whole time.

451
00:21:01,040 --> 00:21:05,160
Speaker 4: Yes, from Melbourne and Tasmania overnight or you.

452
00:21:05,080 --> 00:21:07,199
Speaker 2: Could yes, I don't know if this is taking it

453
00:21:07,200 --> 00:21:16,480
Speaker 2: too far ago gas light yourself money and that's and

454
00:21:16,800 --> 00:21:19,560
Speaker 2: book a cruise, but then tell everybody you got free

455
00:21:19,560 --> 00:21:22,520
Speaker 2: accommodation because you spent it all on your transport. There

456
00:21:22,560 --> 00:21:28,800
Speaker 2: you go, yes, go on overpriced cruise?

457
00:21:29,359 --> 00:21:30,840
Speaker 4: Yeah yeah, yeah, yeah, yeah yeah.

458
00:21:31,000 --> 00:21:32,720
Speaker 2: Disney, if you want to call us, we would do

459
00:21:33,040 --> 00:21:35,680
Speaker 2: a whole is It Worth It? Series? But we really

460
00:21:35,720 --> 00:21:37,760
Speaker 2: would and we will be worth it. We take the

461
00:21:37,840 --> 00:21:38,440
Speaker 2: whole team.

462
00:21:39,200 --> 00:21:41,680
Speaker 4: The more the merrier, right, absolutely, all right.

463
00:21:41,640 --> 00:21:43,119
Speaker 2: Let's move on from this. We're going to go to

464
00:21:43,200 --> 00:21:45,920
Speaker 2: a break. We're going to calm down. After we get back.

465
00:21:46,000 --> 00:21:48,200
Speaker 2: We aren't going to be talking about digney cruises. We're

466
00:21:48,200 --> 00:21:50,520
Speaker 2: going to be talking about whether you should re mortgage

467
00:21:50,720 --> 00:21:54,720
Speaker 2: your current home loan to get an offset account. And

468
00:21:54,960 --> 00:21:57,199
Speaker 2: you slid into our dams about something this week. You

469
00:21:57,240 --> 00:22:00,160
Speaker 2: want to know who's right in a wedding guest list drama,

470
00:22:00,240 --> 00:22:02,400
Speaker 2: and so do we. So don't go anywhere.

471
00:22:06,400 --> 00:22:09,440
Speaker 4: Welcome back, everybody. Let's take a listen to the money Dilemma.

472
00:22:11,640 --> 00:22:14,000
Speaker 6: Hi, there, have you got a money dilemma you just

473
00:22:14,040 --> 00:22:16,560
Speaker 6: can't solve? The She's on the Money team is here

474
00:22:16,600 --> 00:22:19,840
Speaker 6: to help. Every week, we tackle your dilemmas, both big

475
00:22:19,880 --> 00:22:22,600
Speaker 6: and small, to answer your most burning money, career and

476
00:22:22,680 --> 00:22:25,840
Speaker 6: life questions. To get involved, simply head to our website

477
00:22:25,880 --> 00:22:28,000
Speaker 6: and leave us a short voice recording and you might

478
00:22:28,080 --> 00:22:30,600
Speaker 6: just find yourself on the show. Now, let's take a

479
00:22:30,640 --> 00:22:34,400
Speaker 6: listen to this week's money dilemma.

480
00:22:34,760 --> 00:22:38,520
Speaker 7: Hi, guys, I just wanted some advice on my husband

481
00:22:38,520 --> 00:22:41,840
Speaker 7: and ies. Not really money problem, but maybe money advice.

482
00:22:42,400 --> 00:22:47,080
Speaker 7: We have a five figure healthy savings fund at the moment,

483
00:22:47,600 --> 00:22:52,119
Speaker 7: and it's currently sitting in an offset account gaining interest,

484
00:22:52,760 --> 00:22:56,560
Speaker 7: and we were wondering if we should pop that into

485
00:22:56,760 --> 00:23:01,640
Speaker 7: a mortgage offset account. But plot twist, our mortgage account

486
00:23:01,680 --> 00:23:05,200
Speaker 7: currently won't allow us to have an offset as that's

487
00:23:05,320 --> 00:23:09,200
Speaker 7: just the type of mortgage loan it is. Do we

488
00:23:09,560 --> 00:23:13,960
Speaker 7: change our mortgage to a different mortgage loan where we

489
00:23:14,000 --> 00:23:16,159
Speaker 7: can get an offset account so we can reap the

490
00:23:16,160 --> 00:23:19,399
Speaker 7: benefits of these five biggest savings funds, or do we

491
00:23:19,480 --> 00:23:21,919
Speaker 7: leave it in our savings fund that we have it

492
00:23:21,960 --> 00:23:25,840
Speaker 7: in at the moment that's currently gaining interest. Any insight

493
00:23:26,040 --> 00:23:28,200
Speaker 7: would be amazing, thank you.

494
00:23:28,560 --> 00:23:31,520
Speaker 4: I think in the word salad of trying to get

495
00:23:31,560 --> 00:23:34,640
Speaker 4: so many technical things out, I'm assuming our listener meant

496
00:23:34,640 --> 00:23:37,840
Speaker 4: she has her money currently in a savings account, not

497
00:23:38,160 --> 00:23:39,919
Speaker 4: set right. We're going to operate on the assumption that

498
00:23:39,920 --> 00:23:41,879
Speaker 4: that's what you're saying. I know it's very overwhelming when

499
00:23:41,920 --> 00:23:43,439
Speaker 4: you try and get it all in one take. You

500
00:23:43,480 --> 00:23:45,199
Speaker 4: did a good job, but we're going to assume that

501
00:23:45,200 --> 00:23:45,840
Speaker 4: that's what you mean.

502
00:23:46,119 --> 00:23:49,000
Speaker 2: Okay, I want to know because I've done the maths

503
00:23:49,400 --> 00:23:51,119
Speaker 2: or I'm currently doing the maths and we'll do the

504
00:23:51,160 --> 00:23:54,200
Speaker 2: maths while you guys are talking. That's the plan here.

505
00:23:54,320 --> 00:23:56,439
Speaker 2: I'm hoping you go long enough so that I can

506
00:23:56,480 --> 00:23:59,560
Speaker 2: do the math Sure, but what would you do, jess Well.

507
00:23:59,480 --> 00:24:02,040
Speaker 4: I think you do the maths is the answer. So

508
00:24:02,720 --> 00:24:05,399
Speaker 4: this isn't probably an interesting addendum because I feel like

509
00:24:05,400 --> 00:24:09,240
Speaker 4: maybe not everybody knows that not all mortgages have offsets

510
00:24:09,440 --> 00:24:11,200
Speaker 4: or redraws or things like that.

511
00:24:11,640 --> 00:24:12,119
Speaker 2: An offset.

512
00:24:12,119 --> 00:24:14,560
Speaker 4: If you don't know, you should. You should listen to

513
00:24:14,600 --> 00:24:16,640
Speaker 4: the property player. But if you haven't, that's okay. An

514
00:24:16,640 --> 00:24:20,480
Speaker 4: offset is where you put money in to an account

515
00:24:20,800 --> 00:24:23,840
Speaker 4: and it shockingly offsets your mortgage. So if you had

516
00:24:23,840 --> 00:24:26,800
Speaker 4: one hundred thousand dollars mortgage and you put ten thousand

517
00:24:26,800 --> 00:24:29,040
Speaker 4: dollars like this person was saying into their offset account,

518
00:24:29,160 --> 00:24:32,640
Speaker 4: you'd only be paying interest on ninety thousand dollars. It's

519
00:24:32,680 --> 00:24:34,880
Speaker 4: taking it off the top. Basically, an account.

520
00:24:34,600 --> 00:24:37,080
Speaker 2: That works exactly operates the same and just link to

521
00:24:37,119 --> 00:24:37,640
Speaker 2: the mortgage.

522
00:24:37,680 --> 00:24:39,880
Speaker 4: It's a link to the mortgage. You can take money out,

523
00:24:40,119 --> 00:24:42,120
Speaker 4: is like you'ine you can put money and take money out.

524
00:24:42,119 --> 00:24:45,080
Speaker 4: So it's appealing because it's not as if you've paid

525
00:24:45,119 --> 00:24:48,160
Speaker 4: the money to the mortgage or into an investment where

526
00:24:48,480 --> 00:24:50,440
Speaker 4: it's harder to access. You can still get to it,

527
00:24:50,920 --> 00:24:54,840
Speaker 4: but there is obviously the added benefit of offsetting the interest,

528
00:24:54,920 --> 00:24:57,159
Speaker 4: reducing the amount of interest that you pay over the

529
00:24:57,200 --> 00:24:59,199
Speaker 4: long term. But not all of them have it. I

530
00:24:59,240 --> 00:25:01,480
Speaker 4: think maybe some people assume that just they all do,

531
00:25:01,600 --> 00:25:02,399
Speaker 4: which isn't the case.

532
00:25:02,720 --> 00:25:04,880
Speaker 2: That isn't the case. It's like a bells and whistle

533
00:25:04,960 --> 00:25:09,840
Speaker 2: additional thing. It's not a standard inclusion on a mortgage,

534
00:25:09,880 --> 00:25:15,080
Speaker 2: and often you'll find that they're not the cheapest. Like

535
00:25:15,160 --> 00:25:16,879
Speaker 2: that's not to say that you shouldn't do it, but

536
00:25:16,960 --> 00:25:18,840
Speaker 2: like you might go to I don't know if you've

537
00:25:18,840 --> 00:25:22,000
Speaker 2: seen the ads for Athena home loans, like they're everywhere

538
00:25:22,000 --> 00:25:24,360
Speaker 2: at the moment, and they say, I don't know, they've

539
00:25:24,359 --> 00:25:26,480
Speaker 2: got really good marketing. I shouldn't be promoting them because

540
00:25:26,480 --> 00:25:30,160
Speaker 2: they don't work with mortgage brokers, but they like basically

541
00:25:30,240 --> 00:25:33,000
Speaker 2: go love us and leave us. And the whole marketing

542
00:25:33,000 --> 00:25:35,160
Speaker 2: employee that they have is we have a low interest rate.

543
00:25:35,200 --> 00:25:37,159
Speaker 2: But like that's it. They don't have any bells, they

544
00:25:37,160 --> 00:25:39,280
Speaker 2: don't have any wisits. You can't have an offset, you

545
00:25:39,320 --> 00:25:42,200
Speaker 2: can't have a redraw, you can't link it to your banking.

546
00:25:42,520 --> 00:25:45,240
Speaker 2: There's a lot of restrictions on using that, and for

547
00:25:45,280 --> 00:25:49,240
Speaker 2: some people it works perfectly. For other people it doesn't

548
00:25:49,280 --> 00:25:51,480
Speaker 2: make a lot of sense. But that is okay. They're

549
00:25:51,520 --> 00:25:52,399
Speaker 2: quite is your thoughts.

550
00:25:52,560 --> 00:25:56,800
Speaker 4: So I would say you should be proud of yourself for.

551
00:26:00,160 --> 00:26:01,480
Speaker 5: Being in a position where you have to know what

552
00:26:01,560 --> 00:26:05,320
Speaker 5: these words are. Unfortunately I didn't understand a lot of that,

553
00:26:05,640 --> 00:26:08,000
Speaker 5: and so I don't have a lot of good advice,

554
00:26:08,200 --> 00:26:11,760
Speaker 5: but I do. I am big in big supportive offset accounts.

555
00:26:12,200 --> 00:26:14,200
Speaker 5: Based on what I've heard, I don't know what a

556
00:26:14,240 --> 00:26:16,040
Speaker 5: redraw is.

557
00:26:17,760 --> 00:26:22,280
Speaker 4: Similar functionality, so you're paying the money off of the mortgage,

558
00:26:22,320 --> 00:26:24,560
Speaker 4: but it allows you the functionality of taking it back

559
00:26:24,640 --> 00:26:27,440
Speaker 4: get it back is the I know they sound very

560
00:26:27,480 --> 00:26:31,280
Speaker 4: similar from my understanding, and VD is probably a got

561
00:26:31,280 --> 00:26:33,200
Speaker 4: a better insight than me. But from my understanding, a

562
00:26:33,280 --> 00:26:37,480
Speaker 4: red yeah, you know everything I know. A redraw there's

563
00:26:37,480 --> 00:26:38,040
Speaker 4: a little bit.

564
00:26:37,920 --> 00:26:39,160
Speaker 2: More hoops to get through.

565
00:26:39,359 --> 00:26:41,879
Speaker 4: Sure it's the offset, Like I could if I had

566
00:26:41,880 --> 00:26:43,480
Speaker 4: an offset on a mortgage, I would be able to

567
00:26:43,480 --> 00:26:44,800
Speaker 4: pick up my phone and be like, oh, I have

568
00:26:44,840 --> 00:26:47,080
Speaker 4: ten thousand dollars, I want to take five thousand dollars out.

569
00:26:47,080 --> 00:26:49,280
Speaker 4: I can do that right now. From my banking I

570
00:26:49,320 --> 00:26:51,879
Speaker 4: think with the redraw it's the redrawer looks similar, but

571
00:26:51,920 --> 00:26:54,480
Speaker 4: the bank you're kind of at the bank's mercy. So

572
00:26:54,680 --> 00:26:57,439
Speaker 4: if we went into economic crisis and the banks were

573
00:26:57,520 --> 00:27:00,080
Speaker 4: kind of like locking their doors down a bit, and

574
00:27:00,119 --> 00:27:02,359
Speaker 4: they're like, oh, Jess has one hundred thousand dollars that

575
00:27:02,400 --> 00:27:05,080
Speaker 4: she could redraw, we're actually going to cap everybody's mortgages

576
00:27:05,119 --> 00:27:07,240
Speaker 4: and say you can only redraw thirty thousand dollars. You

577
00:27:07,280 --> 00:27:09,439
Speaker 4: can't access your full hundred thousand dollars. We know you

578
00:27:09,480 --> 00:27:11,480
Speaker 4: did that, but we're just like going to put a

579
00:27:11,480 --> 00:27:13,600
Speaker 4: restriction on it, ok. And so that restriction.

580
00:27:14,119 --> 00:27:17,440
Speaker 2: I don't love the idea of whereas an offset account

581
00:27:17,480 --> 00:27:20,720
Speaker 2: is your bank account BECK that is just tied. It's

582
00:27:20,760 --> 00:27:23,919
Speaker 2: like in a relationship, it's married to your mortgage, and

583
00:27:23,960 --> 00:27:27,359
Speaker 2: therefore anything in that offsets the interest that is payable

584
00:27:27,520 --> 00:27:30,000
Speaker 2: on your mortgage. So let's just say you've got a

585
00:27:30,040 --> 00:27:33,040
Speaker 2: home loan BECK of two hundred and fifty thousand dollars

586
00:27:33,400 --> 00:27:36,040
Speaker 2: and then you've got thirty grand in an offset account.

587
00:27:36,600 --> 00:27:40,160
Speaker 2: In that situation, when you go to pay interest every

588
00:27:40,200 --> 00:27:43,280
Speaker 2: single month on the mortgage that you have you're actually

589
00:27:43,359 --> 00:27:46,439
Speaker 2: only paying interest on two hundred and twenty thousand dollars

590
00:27:46,760 --> 00:27:48,760
Speaker 2: because the bank goes okay, so you've got to turn

591
00:27:48,800 --> 00:27:50,960
Speaker 2: her a fifty thousand dollars mortgage. You've got thirty thousand

592
00:27:51,000 --> 00:27:53,720
Speaker 2: dollars in an offset account. We are going to look

593
00:27:53,760 --> 00:27:56,520
Speaker 2: at those two things, subtract one from the other, and

594
00:27:56,600 --> 00:27:59,840
Speaker 2: only charge you interest on two hundred and twenty thousand dollars.

595
00:28:00,240 --> 00:28:05,480
Speaker 2: So that actually means that financially you're ahead. Now, going

596
00:28:05,520 --> 00:28:07,800
Speaker 2: with the example that you said, Jess, you said, I

597
00:28:07,840 --> 00:28:10,720
Speaker 2: think they meant high interest savings account. Yes, and so

598
00:28:10,840 --> 00:28:13,840
Speaker 2: do I. I think that's pretty clear. At the moment,

599
00:28:13,920 --> 00:28:17,359
Speaker 2: high interest savings accounts sound really sexy, like five and

600
00:28:17,400 --> 00:28:20,480
Speaker 2: a half percent on average, I would say, is like

601
00:28:20,560 --> 00:28:24,600
Speaker 2: the normal high interest savings account amount sounds really sexy

602
00:28:24,680 --> 00:28:28,240
Speaker 2: until I tell you have to remember tax. So any

603
00:28:28,359 --> 00:28:32,960
Speaker 2: dollar you earn in Australia is taxable income. That includes

604
00:28:33,000 --> 00:28:36,840
Speaker 2: the interest that you earn in your high interest savings account.

605
00:28:37,119 --> 00:28:39,360
Speaker 2: That is why you have to report it on your

606
00:28:39,440 --> 00:28:42,040
Speaker 2: tax return, and you might be up for some tax

607
00:28:42,960 --> 00:28:46,640
Speaker 2: on the flip side if you put your money into

608
00:28:46,640 --> 00:28:49,760
Speaker 2: your offset account and that offsets the amount of interest

609
00:28:49,840 --> 00:28:53,040
Speaker 2: you pay, there's no tax occurring because you never actually

610
00:28:53,520 --> 00:28:57,800
Speaker 2: made money, you just saved money. Yeah. Ah, so if

611
00:28:57,840 --> 00:29:00,640
Speaker 2: your marginal tax rate is thirty two and a half cents,

612
00:29:00,720 --> 00:29:02,520
Speaker 2: you're going to lose thirty two and a half sense

613
00:29:02,560 --> 00:29:04,800
Speaker 2: if that five and a half percent that you're paying

614
00:29:04,920 --> 00:29:08,280
Speaker 2: or that you're making, so you're losing that, you're going

615
00:29:08,320 --> 00:29:11,560
Speaker 2: to gain that back by using an offset account instead.

616
00:29:11,760 --> 00:29:14,520
Speaker 2: So I've done some maths. As you guys know, I

617
00:29:14,560 --> 00:29:16,520
Speaker 2: own a mortgage broking business, so this is kind of

618
00:29:16,560 --> 00:29:18,840
Speaker 2: second nature to me. Let's say you have a five

619
00:29:18,920 --> 00:29:21,280
Speaker 2: hundred thousand dollar alone. Let's pretend you got it yesterday,

620
00:29:21,360 --> 00:29:23,400
Speaker 2: because then I can say it's a thirty year term

621
00:29:23,920 --> 00:29:26,960
Speaker 2: on average. At the moment, they call it a comparison rate.

622
00:29:27,520 --> 00:29:30,000
Speaker 2: A comparison rate for a mortgage is about seven percent.

623
00:29:30,240 --> 00:29:32,320
Speaker 2: So we're going to use seven percent or maybe seven

624
00:29:32,360 --> 00:29:34,720
Speaker 2: and a half percent as an interest rate. I'm not

625
00:29:34,800 --> 00:29:36,600
Speaker 2: saying that's what your mortgage would be at, but I'm

626
00:29:36,600 --> 00:29:39,120
Speaker 2: seeing a lot of people with that mortgage interest rate.

627
00:29:39,040 --> 00:29:40,480
Speaker 5: Right now, do you mand of fact, we ask what

628
00:29:40,480 --> 00:29:42,640
Speaker 5: the difference between comparison ry and interest rate.

629
00:29:42,560 --> 00:29:47,240
Speaker 2: Is, It's just the comparison across the industry average. I see,

630
00:29:47,240 --> 00:29:49,400
Speaker 2: I see, I see. So let's just say it's seven

631
00:29:49,480 --> 00:29:52,960
Speaker 2: and a half percent. Like when I say that, on average,

632
00:29:53,000 --> 00:29:55,240
Speaker 2: people are getting mortgages at about that at the moment,

633
00:29:55,280 --> 00:29:57,880
Speaker 2: and that includes like your investment properties and your owner

634
00:29:57,920 --> 00:30:00,440
Speaker 2: occupier property. Is just the easiest way to talk about

635
00:30:00,440 --> 00:30:03,000
Speaker 2: it without promising you a particular interest rate from a

636
00:30:03,000 --> 00:30:06,120
Speaker 2: particular bank. And let's just say you've got I don't know,

637
00:30:06,160 --> 00:30:08,680
Speaker 2: you've got fifty grand in your offset account. So we've

638
00:30:08,760 --> 00:30:12,080
Speaker 2: put fifty thousand dollars in your offset account. If you

639
00:30:12,800 --> 00:30:16,600
Speaker 2: are putting it in your offset account instead of into

640
00:30:16,680 --> 00:30:20,200
Speaker 2: a savings account, it could actually save you nine years

641
00:30:20,240 --> 00:30:24,280
Speaker 2: and three months off your mortgage, saving you a total

642
00:30:24,560 --> 00:30:27,560
Speaker 2: of three hundred and eighty nine thousand, nine hundred and

643
00:30:27,600 --> 00:30:31,920
Speaker 2: fifty four dollars very tighty. So that means that on

644
00:30:31,960 --> 00:30:34,800
Speaker 2: your thirty year mortgage, if you had that in your

645
00:30:34,800 --> 00:30:37,360
Speaker 2: savings account, obviously like it would grow a little bit

646
00:30:37,400 --> 00:30:42,240
Speaker 2: over time. But using the example I just laid out,

647
00:30:42,960 --> 00:30:45,480
Speaker 2: the individual in that situation, because I can't give you

648
00:30:45,520 --> 00:30:48,280
Speaker 2: personal advice, the individual in a situation I laid out

649
00:30:48,400 --> 00:30:51,480
Speaker 2: would be better off using an offset account instead of

650
00:30:51,480 --> 00:30:54,800
Speaker 2: behind a savings account because they're not paying tax, they're

651
00:30:54,840 --> 00:30:58,320
Speaker 2: saving on interest. And then that interest is or they're

652
00:30:58,520 --> 00:31:01,360
Speaker 2: saving on interest is meaning that they are paying their

653
00:31:01,400 --> 00:31:04,120
Speaker 2: mortgage off sooner. That means you're getting nine nearly ten

654
00:31:04,200 --> 00:31:07,280
Speaker 2: years back, meaning you could invest that money over that

655
00:31:07,320 --> 00:31:11,040
Speaker 2: period of times. A hypothetical. Of course, we're all about

656
00:31:11,120 --> 00:31:13,040
Speaker 2: hypotheticals in the world where we're not allowed to give

657
00:31:13,080 --> 00:31:15,440
Speaker 2: personal So.

658
00:31:16,320 --> 00:31:18,280
Speaker 4: Is it fair to say, and I got off this wrong?

659
00:31:18,360 --> 00:31:20,640
Speaker 4: Is it fair to say that The other thing that

660
00:31:20,680 --> 00:31:24,640
Speaker 4: they would maybe want to consider is, let's say they

661
00:31:24,640 --> 00:31:27,800
Speaker 4: were really smart and really lucky and they locked in

662
00:31:27,840 --> 00:31:30,880
Speaker 4: a much lower interest rate. Yes, so say, like you know,

663
00:31:30,960 --> 00:31:32,920
Speaker 4: during COVID when you get straight like four percent or

664
00:31:32,920 --> 00:31:35,160
Speaker 4: three percent, if they locked that in and they were

665
00:31:35,200 --> 00:31:38,480
Speaker 4: still getting that, it's worth keeping in mind that by

666
00:31:39,360 --> 00:31:42,400
Speaker 4: refinancing to get a new mortgage that includes an officense,

667
00:31:42,960 --> 00:31:44,680
Speaker 4: you may be taking on a higher interest rate.

668
00:31:44,800 --> 00:31:46,960
Speaker 2: Yes, that is absolutely correct, and that is why you

669
00:31:47,000 --> 00:31:49,080
Speaker 2: need to talk to a mortgage broker to do all

670
00:31:49,120 --> 00:31:52,680
Speaker 2: of this for you. It's a mortgage broker is bound

671
00:31:52,920 --> 00:31:55,240
Speaker 2: to make sure that you're always in a better position

672
00:31:55,320 --> 00:31:57,960
Speaker 2: because of the recommendations that they make. So like you

673
00:31:58,000 --> 00:31:59,479
Speaker 2: could go to them and be like, hey, I've got

674
00:31:59,480 --> 00:32:01,280
Speaker 2: this great and I think I want an offset if

675
00:32:01,320 --> 00:32:04,440
Speaker 2: it's financially viable. If the mortgage broker can't put you

676
00:32:04,480 --> 00:32:06,720
Speaker 2: in a better situation, they're going to have to tell you, hey, babe,

677
00:32:06,760 --> 00:32:08,160
Speaker 2: I can't put you in a better situation. I mean,

678
00:32:08,200 --> 00:32:09,600
Speaker 2: I could do this, but it's not as good as

679
00:32:09,600 --> 00:32:11,400
Speaker 2: what you've got and you can go great, Thank you.

680
00:32:11,320 --> 00:32:12,960
Speaker 4: So much to my friend. It was like, this is

681
00:32:13,000 --> 00:32:14,880
Speaker 4: the best, Like if you change it would be worse

682
00:32:14,960 --> 00:32:15,160
Speaker 4: for you.

683
00:32:15,280 --> 00:32:18,400
Speaker 2: Yeah, and like, come and see as Zella mortgage broker,

684
00:32:18,560 --> 00:32:21,320
Speaker 2: because that's literally one of our favorite things to do.

685
00:32:21,680 --> 00:32:23,600
Speaker 2: I want to get a better deal for you. Gin

686
00:32:23,600 --> 00:32:25,560
Speaker 2: know how exciting it is to be like I saved

687
00:32:25,600 --> 00:32:27,520
Speaker 2: you this amount, and we always want to do the numbers.

688
00:32:27,720 --> 00:32:30,680
Speaker 2: It's one of the reasons why I literally love what

689
00:32:30,720 --> 00:32:33,480
Speaker 2: we do. Firstly, we get people into their first homes,

690
00:32:33,560 --> 00:32:36,960
Speaker 2: so exciting. But then I'm like, hey, beck I can

691
00:32:37,000 --> 00:32:39,240
Speaker 2: save you three hundred thousand dollars and I'm going to

692
00:32:39,320 --> 00:32:42,440
Speaker 2: help you pay off your mortgage soon. Isn't that exciting?

693
00:32:42,560 --> 00:32:42,760
Speaker 1: Yeah?

694
00:32:42,960 --> 00:32:45,760
Speaker 2: Exciting, so fun, But essentially you would pay off your

695
00:32:45,760 --> 00:32:49,600
Speaker 2: mortgage much quicker, and that needs to be taken into

696
00:32:49,600 --> 00:32:51,160
Speaker 2: account as well, because what are you going to do

697
00:32:51,200 --> 00:32:53,920
Speaker 2: with the mortgage of payments? Like are you investing that?

698
00:32:54,000 --> 00:32:56,360
Speaker 2: Are you saving that? What's the power of that money

699
00:32:56,440 --> 00:32:59,120
Speaker 2: that you could have for an additional nine years? So

700
00:32:59,160 --> 00:33:01,080
Speaker 2: you're not just talking about the fifty thousand dollars you

701
00:33:01,120 --> 00:33:03,760
Speaker 2: have in your offset account. You're also talking about the

702
00:33:03,760 --> 00:33:05,760
Speaker 2: power of the money you don't have today that you

703
00:33:05,840 --> 00:33:07,760
Speaker 2: will have in the future. That's free cash flow.

704
00:33:08,360 --> 00:33:08,719
Speaker 4: Huge.

705
00:33:08,800 --> 00:33:10,200
Speaker 2: And if I had more time, I would do the

706
00:33:10,240 --> 00:33:12,600
Speaker 2: financial advice thing and extrapolate that out, but we just

707
00:33:12,600 --> 00:33:15,000
Speaker 2: don't have time. Chat to a broker, Chat to a

708
00:33:15,000 --> 00:33:17,960
Speaker 2: mortgage broker. I know a lot of good ones that

709
00:33:19,240 --> 00:33:20,880
Speaker 2: I have a personal affiliation with me.

710
00:33:21,240 --> 00:33:22,840
Speaker 4: Well, I will link to that in the show notes.

711
00:33:22,840 --> 00:33:24,880
Speaker 4: If you'd like to chatch one of the queens at Zeala,

712
00:33:25,000 --> 00:33:25,520
Speaker 4: can we get you.

713
00:33:25,520 --> 00:33:28,360
Speaker 2: A better interest rate? Like yes, yes, that's the plan.

714
00:33:28,480 --> 00:33:31,360
Speaker 2: Scene and then once you're a Zella client, we literally

715
00:33:31,480 --> 00:33:33,840
Speaker 2: check every six months anyway, so that you never have

716
00:33:33,920 --> 00:33:36,000
Speaker 2: to ask a mortgage broker again. We'll call you with

717
00:33:36,080 --> 00:33:36,680
Speaker 2: a better deal.

718
00:33:37,320 --> 00:33:39,120
Speaker 4: Sign me up, it's a good deal. Well, should we

719
00:33:39,160 --> 00:33:40,760
Speaker 4: get into the spicy DM from this week?

720
00:33:40,880 --> 00:33:43,520
Speaker 2: Yes, or are you ready to sit down? It's about weddings,

721
00:33:43,560 --> 00:33:44,800
Speaker 2: so you know it's going to get spicy.

722
00:33:44,960 --> 00:33:45,440
Speaker 7: Yeah.

723
00:33:45,560 --> 00:33:48,120
Speaker 2: Hi, friends, my cousin is getting married next year and

724
00:33:48,160 --> 00:33:51,320
Speaker 2: I am so excited to get together with all the family.

725
00:33:51,560 --> 00:33:54,880
Speaker 2: But we have a big family. I just found out

726
00:33:55,120 --> 00:33:58,520
Speaker 2: one of my cousins has RSVP'd no because she didn't

727
00:33:58,520 --> 00:34:01,080
Speaker 2: get a plus one for her boyfriend to come as well.

728
00:34:01,560 --> 00:34:04,080
Speaker 2: Weddings are so expensive, and I think the fact that

729
00:34:04,160 --> 00:34:06,480
Speaker 2: every cousin in our big family is invited in the

730
00:34:06,480 --> 00:34:09,520
Speaker 2: first place is amazing, and I think she's being really selfish.

731
00:34:09,640 --> 00:34:12,520
Speaker 2: But the boomers in the family think it's fine and

732
00:34:12,680 --> 00:34:14,640
Speaker 2: think she should have been given off plus one to

733
00:34:14,680 --> 00:34:17,320
Speaker 2: begin with. I want to hear your thoughts.

734
00:34:19,719 --> 00:34:26,040
Speaker 5: I mean, I don't I'm just basing this off my friends' wedding.

735
00:34:26,040 --> 00:34:28,520
Speaker 5: I've probably gone to like two in my life, and

736
00:34:28,520 --> 00:34:33,120
Speaker 5: they are so so expensive. I totally get it. If

737
00:34:33,120 --> 00:34:34,800
Speaker 5: you have especially yeah, if you have a big family,

738
00:34:35,080 --> 00:34:37,200
Speaker 5: if you have a lot of friends, you have to.

739
00:34:37,840 --> 00:34:40,200
Speaker 5: It's like that thing when you invite someone out, like

740
00:34:40,239 --> 00:34:42,399
Speaker 5: for work drinks. You're like, oh, well, if invite this person,

741
00:34:42,440 --> 00:34:43,840
Speaker 5: I've got to invite this person in. It just like

742
00:34:43,880 --> 00:34:46,000
Speaker 5: the list grows and grows and grows, and then so

743
00:34:46,040 --> 00:34:48,480
Speaker 5: you're like, before you know it, there's like one hundred

744
00:34:48,520 --> 00:34:51,120
Speaker 5: people that you must invite. There's no ifsoorbuts about it.

745
00:34:51,600 --> 00:34:56,600
Speaker 5: And then imagine eighty percent of these people have a

746
00:34:56,640 --> 00:35:01,560
Speaker 5: partner or like even if FI whatever, Okay, well now

747
00:35:01,560 --> 00:35:03,400
Speaker 5: it's like one hundred and eighty people.

748
00:35:03,960 --> 00:35:06,719
Speaker 4: It's just not feasible. It's just not possible to have.

749
00:35:06,760 --> 00:35:09,040
Speaker 5: Because that's like I understand that in your one individual

750
00:35:09,160 --> 00:35:11,840
Speaker 5: situation where you're like maybe you've been with your partner

751
00:35:11,880 --> 00:35:14,960
Speaker 5: for ten years and they're part of the family, and

752
00:35:15,000 --> 00:35:18,720
Speaker 5: you're like, why the heck not, why does this person

753
00:35:18,760 --> 00:35:20,759
Speaker 5: not get an invite? That is weird or it could

754
00:35:20,800 --> 00:35:23,680
Speaker 5: be something you just said dating. Either way, if you're

755
00:35:23,719 --> 00:35:27,480
Speaker 5: looking at your own situation and that's your because it

756
00:35:27,480 --> 00:35:30,320
Speaker 5: makes sense, like that's your reality. Your reality is everything

757
00:35:30,360 --> 00:35:32,799
Speaker 5: to you, that's all you're living. And so you're like,

758
00:35:33,120 --> 00:35:34,320
Speaker 5: my partner is not invited.

759
00:35:34,480 --> 00:35:35,000
Speaker 2: That sucks.

760
00:35:35,200 --> 00:35:38,759
Speaker 4: But if you zoom out, as VD says, zoom.

761
00:35:38,520 --> 00:35:41,560
Speaker 5: Out and be like, oh, actually, like five hundred people

762
00:35:41,560 --> 00:35:45,239
Speaker 5: are probably complaining about the same thing, like why is

763
00:35:45,239 --> 00:35:47,400
Speaker 5: it my partner? And you're like Okay, well, actually they

764
00:35:47,400 --> 00:35:51,000
Speaker 5: don't have exactly double what they initially had budget wise,

765
00:35:51,440 --> 00:35:54,239
Speaker 5: just miraculously like accessible to them.

766
00:35:54,400 --> 00:35:55,920
Speaker 2: So I understand.

767
00:35:55,920 --> 00:35:57,800
Speaker 5: I totally get it, like that would feel really crappy,

768
00:35:57,840 --> 00:36:01,520
Speaker 5: but it's like you must taken to consideration that if

769
00:36:01,520 --> 00:36:04,680
Speaker 5: you're saying it, probably like many other people are saying it,

770
00:36:05,320 --> 00:36:07,000
Speaker 5: and that's just not realistic.

771
00:36:07,880 --> 00:36:10,640
Speaker 4: Okay, I need to talk about this in three separate sections.

772
00:36:12,000 --> 00:36:15,759
Speaker 2: I love how Jess's brain works. You're so good, guys,

773
00:36:15,880 --> 00:36:19,200
Speaker 2: this is literally how she works at work. Well, so

774
00:36:19,200 --> 00:36:20,279
Speaker 2: do you want to just have a quick chat? And

775
00:36:20,320 --> 00:36:22,239
Speaker 2: She's like all right. So I've got three different scenarios

776
00:36:24,200 --> 00:36:25,120
Speaker 2: to start at the top.

777
00:36:25,200 --> 00:36:27,520
Speaker 4: I want to say, the cousin who pulled out because

778
00:36:27,520 --> 00:36:31,239
Speaker 4: she couldn't have her partner, I'm going to say, Okay, like,

779
00:36:31,920 --> 00:36:34,160
Speaker 4: as an anxious girl, if you don't want to go,

780
00:36:34,239 --> 00:36:36,279
Speaker 4: if something's not right for you, I get it, I

781
00:36:36,320 --> 00:36:40,120
Speaker 4: don't want to you don't verbally punish you for that.

782
00:36:40,120 --> 00:36:41,799
Speaker 4: That being said, I do think there is a bit

783
00:36:41,800 --> 00:36:46,640
Speaker 4: of a difference between a cousin and a friend from

784
00:36:47,000 --> 00:36:49,080
Speaker 4: ten years I agree. That was going to be my

785
00:36:49,120 --> 00:36:52,200
Speaker 4: point because I think if you're a cousin, you presumably

786
00:36:52,280 --> 00:36:54,960
Speaker 4: maybe have other cousins, other family, you know, other people

787
00:36:54,960 --> 00:36:58,840
Speaker 4: at the wedding. I think that if you were childhood

788
00:36:58,880 --> 00:37:01,400
Speaker 4: best friend who is not going to know another soul

789
00:37:01,520 --> 00:37:04,399
Speaker 4: at this wedding, then I go, okay, like I can

790
00:37:04,400 --> 00:37:08,160
Speaker 4: see why that would maybe push you go or why

791
00:37:08,160 --> 00:37:10,080
Speaker 4: there would be a strong But.

792
00:37:10,040 --> 00:37:11,520
Speaker 2: You just said that you're a really big family and

793
00:37:11,600 --> 00:37:13,840
Speaker 2: you can't wait to get together with all the cousins.

794
00:37:14,280 --> 00:37:16,200
Speaker 4: So like that is not really making sense to you

795
00:37:16,280 --> 00:37:19,000
Speaker 4: got a friend there, bro, you got many, it sounds like.

796
00:37:19,280 --> 00:37:24,399
Speaker 4: But then my overarching feeling on this conversation is no pay,

797
00:37:24,440 --> 00:37:28,719
Speaker 4: no say if you are not paying, if you're not

798
00:37:28,760 --> 00:37:31,360
Speaker 4: paying for the wedding, take your opinion and shove it

799
00:37:31,360 --> 00:37:36,319
Speaker 4: with a sudden I'm sorry. Like so, I saw this

800
00:37:36,400 --> 00:37:38,200
Speaker 4: conversation happen, and I don't want to say you too,

801
00:37:38,239 --> 00:37:40,600
Speaker 4: but I saw this compensation happened with someone very close to.

802
00:37:40,560 --> 00:37:42,279
Speaker 2: Me, and I was.

803
00:37:43,880 --> 00:37:46,920
Speaker 4: Stressed getting the tea after stress that this girl was

804
00:37:46,920 --> 00:37:48,879
Speaker 4: going through. Yeah, there's a bit of tea, you guys,

805
00:37:48,880 --> 00:37:52,000
Speaker 4: after the stress, the stress that this girl was going

806
00:37:52,040 --> 00:37:56,840
Speaker 4: through because family was saying, oh, you need to invite

807
00:37:56,920 --> 00:37:59,520
Speaker 4: these people. People should never met like you in the

808
00:37:59,560 --> 00:38:03,759
Speaker 4: a D and I should acknowledge. I know that there

809
00:38:03,840 --> 00:38:06,560
Speaker 4: is you know, in different cultures, there's certain things. I

810
00:38:06,600 --> 00:38:09,279
Speaker 4: don't want to overstep there because I don't you know,

811
00:38:09,320 --> 00:38:11,239
Speaker 4: that's not my free situation.

812
00:38:11,440 --> 00:38:17,000
Speaker 2: We are talking astral opinion, that we're talking correct white Australia. Yeah, white.

813
00:38:17,719 --> 00:38:20,319
Speaker 4: But it is such an old idea that everyone needs

814
00:38:20,280 --> 00:38:24,799
Speaker 4: to every uncle, cousin, grandpa, grandpa's best friend from down

815
00:38:24,840 --> 00:38:28,080
Speaker 4: the road, you know. And I just think, lud, exactly

816
00:38:28,120 --> 00:38:31,280
Speaker 4: what you were saying. If it's not up to anybody,

817
00:38:31,280 --> 00:38:33,960
Speaker 4: it's about the bride and groom. I mean, it's your

818
00:38:34,160 --> 00:38:36,399
Speaker 4: call or bright and bride or groom and groom or no,

819
00:38:36,800 --> 00:38:37,239
Speaker 4: you know, you.

820
00:38:37,160 --> 00:38:38,960
Speaker 2: Could just say the couple. The couple would make some

821
00:38:42,920 --> 00:38:45,560
Speaker 2: You can't get married legally yet, Oh is that so

822
00:38:46,040 --> 00:38:49,000
Speaker 2: you can only marry one person? Back that I get greedy?

823
00:38:49,800 --> 00:38:52,520
Speaker 5: Greedy, Well got a ways, that's why we got to

824
00:38:52,520 --> 00:38:53,040
Speaker 5: get divorced.

825
00:38:53,160 --> 00:38:53,959
Speaker 2: We get married again.

826
00:38:54,320 --> 00:38:57,919
Speaker 4: See, I'm sorry, guys, running on not a lot of sleep.

827
00:38:58,200 --> 00:38:59,440
Speaker 4: If you're allowed, you're.

828
00:38:59,480 --> 00:39:02,600
Speaker 2: Trying to plain. But I just have been colorful and excited.

829
00:39:03,080 --> 00:39:03,520
Speaker 2: Yeah I am.

830
00:39:03,520 --> 00:39:06,399
Speaker 4: I'm over excited and underslept, and it's not a good

831
00:39:06,440 --> 00:39:08,680
Speaker 4: combination for me, no pay no say that to ry Matte.

832
00:39:08,680 --> 00:39:10,040
Speaker 4: If you're not paying for the wedding, if you're not

833
00:39:10,080 --> 00:39:12,960
Speaker 4: getting married, you actually you don't get an opinion. And

834
00:39:12,960 --> 00:39:14,480
Speaker 4: I'm so sorry. That's just how it should be.

835
00:39:14,520 --> 00:39:18,359
Speaker 2: I'm not sorry. I'm glad you apologized. I'm doubling down.

836
00:39:18,560 --> 00:39:20,320
Speaker 4: Okay, great, I feel supported.

837
00:39:20,640 --> 00:39:24,200
Speaker 2: I feel literally the same like as someone who had

838
00:39:24,239 --> 00:39:28,759
Speaker 2: a wedding. I'm grateful that I didn't have a lot

839
00:39:28,800 --> 00:39:30,680
Speaker 2: of pushback of people being like I need to bring

840
00:39:30,840 --> 00:39:32,920
Speaker 2: x y zed. But we did, like my husband and

841
00:39:32,960 --> 00:39:36,760
Speaker 2: I did have conversations about like, oh, who's this person?

842
00:39:36,960 --> 00:39:39,640
Speaker 2: Oh your mate from work, Like there was a group

843
00:39:39,719 --> 00:39:43,400
Speaker 2: of Steve's work friends that we invited without their partners. Yeah,

844
00:39:43,440 --> 00:39:46,839
Speaker 2: And we discussed it and said, well, I've never One

845
00:39:46,880 --> 00:39:49,760
Speaker 2: of the rules we implemented at our wedding was both

846
00:39:49,760 --> 00:39:51,440
Speaker 2: of us had to have met you for you to

847
00:39:51,440 --> 00:39:52,680
Speaker 2: get an invite to our wedding.

848
00:39:52,719 --> 00:39:53,239
Speaker 4: Great rules.

849
00:39:53,360 --> 00:39:56,200
Speaker 2: So if you got an invite to our wedding and

850
00:39:56,480 --> 00:39:59,200
Speaker 2: I had not met Jess's partner, I probably wouldn't have

851
00:39:59,239 --> 00:40:01,879
Speaker 2: invited Jessice. But I knew Jess's partner and I was like, hey,

852
00:40:01,920 --> 00:40:03,799
Speaker 2: Jess you're coming, but they're not over the top of that.

853
00:40:03,880 --> 00:40:06,080
Speaker 2: It would have been the same conversation of like, oh, well,

854
00:40:06,400 --> 00:40:08,959
Speaker 2: does Jess have friends there? Oh, Jess and Beck would

855
00:40:08,960 --> 00:40:10,839
Speaker 2: have come together. That's fine, Jess will sit with Beck.

856
00:40:10,880 --> 00:40:13,400
Speaker 2: She's got a friend. Is like the thought pattern. And

857
00:40:13,440 --> 00:40:14,960
Speaker 2: then if I didn't think that you would have had

858
00:40:15,000 --> 00:40:18,279
Speaker 2: a friend to your partner that I didn't know, would

859
00:40:18,280 --> 00:40:22,720
Speaker 2: have gotten invite. But honestly, if I'm trying to remember back, honestly,

860
00:40:22,800 --> 00:40:24,560
Speaker 2: if it got to that point, I think we would

861
00:40:24,600 --> 00:40:27,400
Speaker 2: have been like, why are we inviting Jess in it? Like,

862
00:40:27,440 --> 00:40:30,520
Speaker 2: obviously you were integral to my wedding, But it's one

863
00:40:30,520 --> 00:40:32,200
Speaker 2: of those things where it's like, well, if we don't

864
00:40:32,200 --> 00:40:34,480
Speaker 2: know their partner and you know, Jess has been with

865
00:40:34,520 --> 00:40:36,880
Speaker 2: that person for seven years, like why is this person

866
00:40:36,960 --> 00:40:39,279
Speaker 2: coming to my wedding and celebrating love if we've never

867
00:40:39,320 --> 00:40:43,080
Speaker 2: even celebrated theirs? Like yeah, anyway, So that was like

868
00:40:43,200 --> 00:40:46,799
Speaker 2: our kind of criteria. And then there's another theory I

869
00:40:46,840 --> 00:40:50,439
Speaker 2: want to introduce because I am reading more this year

870
00:40:50,960 --> 00:40:54,560
Speaker 2: and I want to read more nonfiction. So recently I

871
00:40:54,600 --> 00:41:00,279
Speaker 2: finished Mel Robbins's new book Let Them Let Them Guys

872
00:41:00,280 --> 00:41:03,160
Speaker 2: In don't let them bring someone, but like let them

873
00:41:03,160 --> 00:41:06,759
Speaker 2: talk shit, let them be mad. It's odd, Like that's

874
00:41:06,800 --> 00:41:11,400
Speaker 2: the decision I made. I'm dropping it there, I'm walking away. Yeah, sure, Sorry,

875
00:41:11,440 --> 00:41:13,720
Speaker 2: that's the decision I made. Thanks.

876
00:41:13,880 --> 00:41:16,240
Speaker 4: You don't get a say there's no pay no say.

877
00:41:16,160 --> 00:41:18,680
Speaker 2: Yeah exactly, And I mean Justice Book he's coming out.

878
00:41:18,719 --> 00:41:20,160
Speaker 2: It's called no pay No Say.

879
00:41:23,080 --> 00:41:25,960
Speaker 4: It's sounded so perfic. That's a motto.

880
00:41:26,880 --> 00:41:31,279
Speaker 2: Yeah, that's my twenty twenty thrive nod say exactly.

881
00:41:32,480 --> 00:41:34,799
Speaker 4: You know, someone's definitely thought of it before.

882
00:41:34,800 --> 00:41:36,239
Speaker 2: But I'm gonna put it on T shirt for you.

883
00:41:36,360 --> 00:41:40,479
Speaker 2: Thank you. But I just feel like there's so much

884
00:41:40,640 --> 00:41:43,760
Speaker 2: nuance to this. But like if it's a group of cousins,

885
00:41:44,000 --> 00:41:46,200
Speaker 2: I feel like you've thought about why they're not getting

886
00:41:46,200 --> 00:41:49,040
Speaker 2: plus ones. Anyway, I can promise you that when a

887
00:41:49,080 --> 00:41:51,080
Speaker 2: bride and a groom or a groom and a groom

888
00:41:51,120 --> 00:41:54,440
Speaker 2: like all that, when someone sits down, when someone sits

889
00:41:54,480 --> 00:41:57,640
Speaker 2: down to plan a wedding, they don't go, we should

890
00:41:57,640 --> 00:42:01,520
Speaker 2: just invite Jess and not her partner. You don't go, oh,

891
00:42:01,719 --> 00:42:06,479
Speaker 2: get rid of them. It's about love, Like if you could,

892
00:42:06,480 --> 00:42:09,759
Speaker 2: you'd have everybody there, but then also having too many

893
00:42:09,840 --> 00:42:12,760
Speaker 2: people there might not suit the vibe you're going for either,

894
00:42:13,200 --> 00:42:17,200
Speaker 2: So like there's a lot of consideration that comes into it.

895
00:42:17,280 --> 00:42:20,840
Speaker 2: Because even with my wedding, I didn't want heaps of

896
00:42:20,880 --> 00:42:22,840
Speaker 2: people there. I mean, we ended up having one hundred

897
00:42:22,840 --> 00:42:26,279
Speaker 2: and twenty three people at our wedding, and to me,

898
00:42:26,400 --> 00:42:28,840
Speaker 2: that felt like so many people Like that felt like

899
00:42:28,920 --> 00:42:31,000
Speaker 2: a lot. In some weddings, you're going to be like

900
00:42:31,040 --> 00:42:33,640
Speaker 2: that's nothing. Be for other people, you're going to agree

901
00:42:33,640 --> 00:42:35,640
Speaker 2: and think that was a relatively large wedding. But like,

902
00:42:35,680 --> 00:42:38,120
Speaker 2: I remember when we first did our guest list, this

903
00:42:38,200 --> 00:42:39,239
Speaker 2: is going to be so bad.

904
00:42:39,480 --> 00:42:41,839
Speaker 4: I remember this too. You remember you agonized?

905
00:42:42,120 --> 00:42:44,319
Speaker 2: Yes, but also do you remember it was close to

906
00:42:44,360 --> 00:42:48,640
Speaker 2: two hundred guests. Crazy, it was like two hundred people.

907
00:42:49,160 --> 00:42:52,600
Speaker 2: And I just said to Steve, that's ridiculous, Like absolutely not,

908
00:42:52,680 --> 00:42:56,360
Speaker 2: Because I said, Steve, we guess what. We got a

909
00:42:56,360 --> 00:43:00,600
Speaker 2: spreadsheet and we both co contributed to it and basically

910
00:43:00,640 --> 00:43:02,680
Speaker 2: put every single person that we could think of that

911
00:43:02,800 --> 00:43:05,239
Speaker 2: might be invited to the wedding, not like a, oh,

912
00:43:05,280 --> 00:43:07,680
Speaker 2: we definitely want like I might be like, you know,

913
00:43:07,800 --> 00:43:10,040
Speaker 2: Jess was on it, but then also Steve's friend's friend

914
00:43:10,040 --> 00:43:11,799
Speaker 2: that we met once if he thought of them was

915
00:43:11,840 --> 00:43:14,200
Speaker 2: on it, and then we whittled it down and we

916
00:43:14,320 --> 00:43:17,040
Speaker 2: color coated it, and they were like green people that

917
00:43:17,120 --> 00:43:19,759
Speaker 2: were like, absolutely not, they have to be there. And

918
00:43:19,800 --> 00:43:21,960
Speaker 2: then we looked at the rest and there were people

919
00:43:21,960 --> 00:43:24,040
Speaker 2: in the list that I'd be like, who is that, Steve,

920
00:43:24,360 --> 00:43:27,640
Speaker 2: And then we would have a conversation about me literally,

921
00:43:27,880 --> 00:43:30,440
Speaker 2: who is that? Oh it's such and Slutch. I really

922
00:43:30,520 --> 00:43:32,520
Speaker 2: like them. I got a beer with them last year.

923
00:43:32,520 --> 00:43:35,120
Speaker 2: I used to work with Great. I don't know that person,

924
00:43:36,120 --> 00:43:37,800
Speaker 2: Why are they coming to my wedding?

925
00:43:38,040 --> 00:43:38,919
Speaker 4: Totally right?

926
00:43:39,200 --> 00:43:41,400
Speaker 2: And so we had this conversation, and thankfully Steve and

927
00:43:41,400 --> 00:43:43,239
Speaker 2: I are very much on the same page, so he

928
00:43:43,320 --> 00:43:45,239
Speaker 2: was like, yeah, fair call. And there were people that

929
00:43:45,320 --> 00:43:48,480
Speaker 2: I had added that he was like what ah, And

930
00:43:48,520 --> 00:43:51,440
Speaker 2: then there were conversations about, hey, should we give a

931
00:43:51,440 --> 00:43:54,319
Speaker 2: plus one to this person or this person? Like I

932
00:43:54,360 --> 00:43:56,520
Speaker 2: don't think there was one person at my wedding that

933
00:43:56,600 --> 00:43:59,160
Speaker 2: I had never met before. Yeah, because I was crazy

934
00:43:59,600 --> 00:44:02,080
Speaker 2: and I was like, it's just not happening. Yeah, but

935
00:44:02,160 --> 00:44:05,040
Speaker 2: like you've got to pick your battles and no pay

936
00:44:05,800 --> 00:44:06,400
Speaker 2: no say.

937
00:44:07,360 --> 00:44:10,360
Speaker 4: It's also like one of those things I think exactly

938
00:44:10,440 --> 00:44:13,480
Speaker 4: you said so many people. It's like, really, I've never

939
00:44:13,560 --> 00:44:15,759
Speaker 4: been married, but it seems like everyone really agonizes over

940
00:44:15,800 --> 00:44:18,160
Speaker 4: putting those lists together, Like it's not an easy thing

941
00:44:18,239 --> 00:44:21,200
Speaker 4: to meet your budget, your venue capacity, your trailer, all

942
00:44:21,239 --> 00:44:24,040
Speaker 4: of these things. Yeah, it seems like it's really hard

943
00:44:24,120 --> 00:44:24,600
Speaker 4: for people.

944
00:44:24,760 --> 00:44:26,799
Speaker 5: It is because the thing is also when you put

945
00:44:26,800 --> 00:44:29,640
Speaker 5: the invites out and you have no control over who's

946
00:44:29,680 --> 00:44:31,520
Speaker 5: talking to who, and like say, say someone's like, oh,

947
00:44:31,880 --> 00:44:33,560
Speaker 5: I've got an invite to this thing, and you know

948
00:44:33,600 --> 00:44:35,640
Speaker 5: that someone somewhere is like, oh, that's weird that she'd

949
00:44:35,640 --> 00:44:37,319
Speaker 5: invite me, and you don't have the opportunity to go

950
00:44:37,360 --> 00:44:39,400
Speaker 5: and explain everything to them. They're just out in the

951
00:44:39,440 --> 00:44:41,680
Speaker 5: world thinking that you don't like them as much as

952
00:44:42,040 --> 00:44:44,400
Speaker 5: they like you or whatever. So it's like this feeling

953
00:44:44,400 --> 00:44:46,920
Speaker 5: of like people are going to perceive that I don't

954
00:44:47,360 --> 00:44:50,040
Speaker 5: enjoy our friendship, and it's just you have no control

955
00:44:50,080 --> 00:44:50,360
Speaker 5: over that.

956
00:44:50,400 --> 00:44:51,799
Speaker 4: Once it's out, it's out, and that's it.

957
00:44:52,440 --> 00:44:54,680
Speaker 5: I've never been marriage. That's sound like I've done this before,

958
00:44:54,680 --> 00:44:57,080
Speaker 5: but cost.

959
00:44:56,800 --> 00:44:59,160
Speaker 2: And we're not just talking about like a little bit

960
00:44:59,280 --> 00:45:03,480
Speaker 2: like oh, it's just another seat, like totally events styling

961
00:45:03,520 --> 00:45:07,160
Speaker 2: for additional tablewhere for your food, your drink. Like, let's

962
00:45:07,200 --> 00:45:08,960
Speaker 2: just take a stab in the dark and say that

963
00:45:08,960 --> 00:45:11,600
Speaker 2: that costs, on average, two hundred and fifty dollars ahead.

964
00:45:11,960 --> 00:45:14,600
Speaker 2: Some weddings will be less, some weddings will be more.

965
00:45:15,480 --> 00:45:18,640
Speaker 2: Two hundred and fifty bucks ahead. Great, If ten people

966
00:45:18,760 --> 00:45:21,480
Speaker 2: want plus ones, that's another two and a half thousand

967
00:45:21,560 --> 00:45:23,480
Speaker 2: dollars to add to your wedding budget.

968
00:45:23,800 --> 00:45:25,280
Speaker 4: Crazy people are made of money.

969
00:45:25,400 --> 00:45:28,880
Speaker 2: That's insane to think that the plus one isn't Like

970
00:45:29,040 --> 00:45:30,960
Speaker 2: even if you're like, oh, well, I'll pay for my

971
00:45:31,080 --> 00:45:35,080
Speaker 2: plate or whatever, like, it's actually not the point. Like

972
00:45:35,680 --> 00:45:39,840
Speaker 2: if you didn't get a plus one, your question isn't

973
00:45:40,000 --> 00:45:42,840
Speaker 2: should I ask for one? Your question is am I

974
00:45:42,880 --> 00:45:44,120
Speaker 2: comfortable going on my own?

975
00:45:44,400 --> 00:45:44,800
Speaker 4: Yeah?

976
00:45:44,840 --> 00:45:47,520
Speaker 2: And if the answer is no, you can just RSVP no,

977
00:45:47,640 --> 00:45:50,800
Speaker 2: and you know what I can promise you if, for example,

978
00:45:51,160 --> 00:45:54,719
Speaker 2: I accidentally sent out an invite and my invite went

979
00:45:54,760 --> 00:45:56,680
Speaker 2: to Jessica and it didn't have a plus one, and

980
00:45:56,719 --> 00:45:57,920
Speaker 2: just was like, well, I'm not going to ask for

981
00:45:57,960 --> 00:46:00,200
Speaker 2: a plus one and she just said hey, sorry, Like

982
00:46:00,560 --> 00:46:02,719
Speaker 2: RSVP no, there's no drama. She just said no, like

983
00:46:02,719 --> 00:46:04,799
Speaker 2: because she doesn't want to go to that event. Because

984
00:46:04,840 --> 00:46:07,879
Speaker 2: I can promise you this is so savage. Nobody cares

985
00:46:07,880 --> 00:46:11,440
Speaker 2: about your wedding as much as you do. Nobody does

986
00:46:11,480 --> 00:46:12,719
Speaker 2: like Ess, It's just like I don't want to go

987
00:46:12,719 --> 00:46:14,520
Speaker 2: to that event. It's not important enough to me to

988
00:46:14,560 --> 00:46:17,000
Speaker 2: go on my own. And I was like, I really

989
00:46:17,040 --> 00:46:18,480
Speaker 2: want just there. I'm going to pick up the phone

990
00:46:18,520 --> 00:46:20,719
Speaker 2: and be like, hey, Jess, why didn't you RSVP? Yes,

991
00:46:20,760 --> 00:46:22,640
Speaker 2: like what's going on? I thought that you'd be in

992
00:46:22,680 --> 00:46:25,520
Speaker 2: and just just goes, Oh, thanks so much. But honestly,

993
00:46:25,640 --> 00:46:27,399
Speaker 2: like I'm a bit of an anxious girl, I don't

994
00:46:27,400 --> 00:46:29,040
Speaker 2: want to go on my own. Oh my god, I'm

995
00:46:29,040 --> 00:46:31,000
Speaker 2: so sorry. I forgot James. Yeah, oh oh my god.

996
00:46:31,000 --> 00:46:34,080
Speaker 2: Would that change if I added James? Yeah, Like if

997
00:46:34,080 --> 00:46:37,960
Speaker 2: it's important to me, it will happen. Yeah, but like yeah, no,

998
00:46:38,040 --> 00:46:42,200
Speaker 2: pay no say yes what everyone else? Oh, they probably

999
00:46:42,239 --> 00:46:44,600
Speaker 2: have the same opinion as us. I'm hoping, because otherwise

1000
00:46:44,600 --> 00:46:48,600
Speaker 2: we look like savage rude. Yeah. So we asked the

1001
00:46:48,680 --> 00:46:51,600
Speaker 2: question if your wedding budget worth tight, how would you

1002
00:46:51,680 --> 00:46:55,000
Speaker 2: manage the guest list? Ninety four percent of you said

1003
00:46:55,120 --> 00:46:57,880
Speaker 2: limit plus ones based on certain criteria.

1004
00:46:58,080 --> 00:46:59,080
Speaker 4: Seems like the obvious choice.

1005
00:46:59,120 --> 00:47:01,239
Speaker 2: You get to make up the too. You could be like,

1006
00:47:01,320 --> 00:47:03,360
Speaker 2: oh they all have to be named Bill, like, you.

1007
00:47:05,040 --> 00:47:05,760
Speaker 4: Do what you want.

1008
00:47:05,920 --> 00:47:09,040
Speaker 2: Six percent of you said, cut guests so everyone gets

1009
00:47:09,080 --> 00:47:09,680
Speaker 2: a plus one.

1010
00:47:10,239 --> 00:47:14,640
Speaker 4: Oh sing, that's a very interesting take, that is.

1011
00:47:15,040 --> 00:47:16,840
Speaker 2: Yeah. I was like, oh, I'm going to read this

1012
00:47:16,880 --> 00:47:18,640
Speaker 2: one out too. I know it was like the minority,

1013
00:47:18,719 --> 00:47:21,279
Speaker 2: but like the idea that you'd cut guests so other

1014
00:47:21,360 --> 00:47:24,879
Speaker 2: people could have a plus one. Yeah, you're cutting people,

1015
00:47:24,920 --> 00:47:25,160
Speaker 2: you know.

1016
00:47:25,440 --> 00:47:28,240
Speaker 4: It feels people pleasing. I say it as a people pleaser.

1017
00:47:28,520 --> 00:47:31,960
Speaker 2: Yeah, yeah. Next question, is it fair to RSVP no

1018
00:47:32,120 --> 00:47:35,319
Speaker 2: if you don't get a plus one? Fourteen percent off

1019
00:47:35,360 --> 00:47:38,120
Speaker 2: you said, yeah, it's really awkward to go solo an

1020
00:47:38,160 --> 00:47:41,759
Speaker 2: eighty six percent of you said no, I respect their budget. Yeah,

1021
00:47:41,760 --> 00:47:42,640
Speaker 2: I'd probably still go.

1022
00:47:43,320 --> 00:47:45,720
Speaker 4: Yeah, it depends. I think it just depends on the situation.

1023
00:47:45,760 --> 00:47:47,440
Speaker 4: Like if I was the friend from school that didn't

1024
00:47:47,480 --> 00:47:51,080
Speaker 4: know anybody being anxious enough maybe during like your wedding,

1025
00:47:51,120 --> 00:47:52,280
Speaker 4: I would have been like, yeah, I can go soloo

1026
00:47:52,320 --> 00:47:52,640
Speaker 4: dr ya.

1027
00:47:52,719 --> 00:47:55,320
Speaker 2: But you had hips of people that you're there, and like, honestly,

1028
00:47:55,440 --> 00:47:57,440
Speaker 2: that was part of the consideration because you've got to

1029
00:47:57,480 --> 00:47:59,440
Speaker 2: remember that when you're planning a wedding, it's not just

1030
00:47:59,440 --> 00:48:01,360
Speaker 2: the guest list we're thinking about so I've done the

1031
00:48:01,400 --> 00:48:04,520
Speaker 2: guest list, then I've done the table settings, and I've

1032
00:48:04,560 --> 00:48:07,120
Speaker 2: made sure that those two people that used to be

1033
00:48:07,160 --> 00:48:09,200
Speaker 2: married that we're both friends with are not on the

1034
00:48:09,200 --> 00:48:12,520
Speaker 2: same table. And even you know, I'm like literally like, okay, cool.

1035
00:48:12,520 --> 00:48:14,480
Speaker 2: But if this person was sitting at this table and

1036
00:48:14,520 --> 00:48:15,960
Speaker 2: they look up and they're going to be looking into

1037
00:48:15,960 --> 00:48:19,840
Speaker 2: the eyes of their ex husband across two tables, I'm

1038
00:48:19,960 --> 00:48:23,200
Speaker 2: thinking about that stuff. I'm sitting down and being like, okay, Well,

1039
00:48:23,400 --> 00:48:26,120
Speaker 2: if Jess is coming and Beck is coming, they work

1040
00:48:26,160 --> 00:48:28,000
Speaker 2: together and they get along really well, all right, I'll

1041
00:48:28,040 --> 00:48:30,720
Speaker 2: put them on a table together. Oh Jess is bringing

1042
00:48:30,760 --> 00:48:33,759
Speaker 2: a partner. Beck's partner's busy, all right? Or make sure

1043
00:48:33,800 --> 00:48:36,120
Speaker 2: she's with Jess, because if she's with the rest of

1044
00:48:36,120 --> 00:48:37,600
Speaker 2: the team, she doesn't get along with them well, and

1045
00:48:37,640 --> 00:48:40,120
Speaker 2: she's coming on her own. Like this is literally what

1046
00:48:40,280 --> 00:48:43,160
Speaker 2: is going on in a couple's mind while they're picking

1047
00:48:43,200 --> 00:48:47,520
Speaker 2: table settings. It is like battle planning, like we're playing battleshit,

1048
00:48:47,960 --> 00:48:51,239
Speaker 2: Like we are fully playing battleships. And I think it's

1049
00:48:51,280 --> 00:48:54,279
Speaker 2: so important to remember that, like, this day is not

1050
00:48:54,440 --> 00:48:57,839
Speaker 2: about you. They have extended an invite to share their

1051
00:48:57,880 --> 00:49:02,279
Speaker 2: love with you. Take it or leave it? Yeah, we

1052
00:49:02,320 --> 00:49:06,080
Speaker 2: did ask what's your two cents? First person said, we

1053
00:49:06,120 --> 00:49:08,800
Speaker 2: had backlash at our wedding because we didn't invite partners

1054
00:49:08,800 --> 00:49:09,600
Speaker 2: that we hadn't met.

1055
00:49:10,120 --> 00:49:11,600
Speaker 4: I think that's such a valid choice.

1056
00:49:11,719 --> 00:49:13,880
Speaker 2: Yeah, I feel like it's fair. Someone else said, I

1057
00:49:13,920 --> 00:49:16,359
Speaker 2: don't even think it's budget dependent that bride and groom

1058
00:49:16,480 --> 00:49:18,080
Speaker 2: don't have to invite plus ones.

1059
00:49:18,360 --> 00:49:19,760
Speaker 4: Yeah, do you want your wedding?

1060
00:49:20,280 --> 00:49:23,200
Speaker 2: Literally, I'm very happy that no one's disagreed but with

1061
00:49:23,280 --> 00:49:25,200
Speaker 2: us yet literally, And that's in my head. I'm like,

1062
00:49:25,280 --> 00:49:27,719
Speaker 2: why would I invite somebody to my wedding? What am

1063
00:49:27,760 --> 00:49:29,640
Speaker 2: I going to do? Stand in my wedding dress and

1064
00:49:29,719 --> 00:49:31,600
Speaker 2: veil and be like, oh sorry, what was your name?

1065
00:49:31,719 --> 00:49:34,760
Speaker 2: Someone else said, yeah, but was she the only cousin

1066
00:49:34,880 --> 00:49:36,920
Speaker 2: to not get offered a plus one? That's awkward.

1067
00:49:36,960 --> 00:49:40,080
Speaker 4: If she was, that's a good point. Yeah, it would

1068
00:49:40,160 --> 00:49:42,920
Speaker 4: be very rogue. But then could it be dependent? Like

1069
00:49:42,920 --> 00:49:46,799
Speaker 4: if you've just started dating your boyfriend? I yeah, right,

1070
00:49:46,880 --> 00:49:48,360
Speaker 4: you sticking around? You're going to be in the family

1071
00:49:48,360 --> 00:49:49,520
Speaker 4: photos if you.

1072
00:49:50,719 --> 00:49:54,480
Speaker 2: I remember one of my friends had this and she

1073
00:49:54,560 --> 00:49:57,200
Speaker 2: went to a wedding. I believe I just remember brunch

1074
00:49:57,280 --> 00:49:59,600
Speaker 2: yap in. But it was only for married partners, and

1075
00:49:59,600 --> 00:50:01,280
Speaker 2: her partner I couldn't go because they weren't married.

1076
00:50:01,560 --> 00:50:03,719
Speaker 4: Ah, but they've been together.

1077
00:50:04,440 --> 00:50:06,400
Speaker 2: Or something, and they were like, yeah, I know, wild.

1078
00:50:06,640 --> 00:50:07,960
Speaker 4: Yeah, that does feel a bitter fair.

1079
00:50:08,080 --> 00:50:10,640
Speaker 2: Actually, someone else said, I had a friend never speak

1080
00:50:10,680 --> 00:50:12,520
Speaker 2: to me again after she didn't get a plus one

1081
00:50:12,520 --> 00:50:13,040
Speaker 2: to my wedding.

1082
00:50:13,360 --> 00:50:16,200
Speaker 4: That's harsh, Like, as much as it's your choice whether

1083
00:50:16,320 --> 00:50:18,160
Speaker 4: or not you want to go with or without a

1084
00:50:18,160 --> 00:50:21,120
Speaker 4: plus one, yeah, kind of your friendship is crazy. Yeah,

1085
00:50:21,160 --> 00:50:21,800
Speaker 4: that's wild.

1086
00:50:21,880 --> 00:50:25,000
Speaker 2: I mean, what was I think I'm again a little

1087
00:50:25,000 --> 00:50:28,160
Speaker 2: bit savage today. I feel like that friendship was probably

1088
00:50:28,160 --> 00:50:31,000
Speaker 2: more fragile than you think it was. Yeah, right, And

1089
00:50:31,080 --> 00:50:33,719
Speaker 2: like Catcher, if that's all it's going to take to

1090
00:50:33,800 --> 00:50:36,160
Speaker 2: break our friendship, you would probably not a good friend

1091
00:50:36,160 --> 00:50:36,320
Speaker 2: to be.

1092
00:50:37,000 --> 00:50:38,480
Speaker 4: It's crazy when you boil it all down.

1093
00:50:38,560 --> 00:50:40,279
Speaker 5: It's like imagine like you're just sitting in the lound

1094
00:50:40,360 --> 00:50:42,640
Speaker 5: room with your friend and I know, this is really dumb.

1095
00:50:42,719 --> 00:50:43,799
Speaker 2: This is not the situation at all.

1096
00:50:43,840 --> 00:50:45,439
Speaker 5: But like let's say your friend is sitting across from

1097
00:50:45,440 --> 00:50:47,920
Speaker 5: you and they're like, give me two hundred dollars. You're like,

1098
00:50:48,160 --> 00:50:49,960
Speaker 5: I'm so sorry, I don't. I don't have two hundred dollars.

1099
00:50:49,960 --> 00:50:51,680
Speaker 5: I only have two undred dollars for you, not your partner,

1100
00:50:51,719 --> 00:50:53,640
Speaker 5: and they're like, give me two dollars. All this friendship

1101
00:50:53,640 --> 00:50:56,120
Speaker 5: is sorry about Like that feels really mean, And.

1102
00:50:56,080 --> 00:50:58,200
Speaker 4: That's almost almost what this feels.

1103
00:50:58,000 --> 00:51:00,480
Speaker 5: Like, kind of you know, it's like, but I'm so

1104
00:51:00,560 --> 00:51:02,960
Speaker 5: sorry I don't only have enough to give you.

1105
00:51:03,040 --> 00:51:05,680
Speaker 2: And it's like, well, it's not like she came home

1106
00:51:05,719 --> 00:51:08,799
Speaker 2: from school with an extra kid and said, oh, have

1107
00:51:08,800 --> 00:51:11,719
Speaker 2: we got dinner for Marcus as well? Yeah, oh yeah,

1108
00:51:11,760 --> 00:51:15,640
Speaker 2: we made spag Ball join in. Yeah, a bit different.

1109
00:51:15,960 --> 00:51:18,200
Speaker 2: Someone else said I didn't care if people are s

1110
00:51:18,239 --> 00:51:20,319
Speaker 2: VP no to my wedding. It meant I spent more

1111
00:51:20,320 --> 00:51:21,320
Speaker 2: money on my honeymoon.

1112
00:51:21,680 --> 00:51:23,319
Speaker 4: Honestly, that's a great take.

1113
00:51:23,920 --> 00:51:28,279
Speaker 2: Less money I have to spend iconic. Another person said

1114
00:51:28,280 --> 00:51:30,840
Speaker 2: that the cousin isn't going solo. She has the whole

1115
00:51:30,880 --> 00:51:33,920
Speaker 2: family there plus one for real solo guests.

1116
00:51:34,440 --> 00:51:34,879
Speaker 4: That's fair.

1117
00:51:36,239 --> 00:51:38,280
Speaker 2: Someone else and this is going to be my last

1118
00:51:38,280 --> 00:51:40,240
Speaker 2: one because I feel like we could yap about weddings

1119
00:51:40,320 --> 00:51:45,560
Speaker 2: forever said petty decisions like this can have longstanding repercussions.

1120
00:51:45,680 --> 00:51:48,960
Speaker 4: It's true. Is it worse relationship over it?

1121
00:51:49,160 --> 00:51:53,000
Speaker 2: That's the thing think about life, you guys. Everything's arbitrary,

1122
00:51:53,040 --> 00:51:53,360
Speaker 2: isn't it.

1123
00:51:53,560 --> 00:51:55,919
Speaker 4: Yeah, it's one day, Like does it really? One day

1124
00:51:57,160 --> 00:51:59,760
Speaker 4: We're all going to be in the ground. One day.

1125
00:52:01,560 --> 00:52:02,600
Speaker 2: They'll be divorced or dead.

1126
00:52:02,760 --> 00:52:03,000
Speaker 5: Listen.

1127
00:52:03,520 --> 00:52:05,640
Speaker 4: That's it. So live, love, laugh while you can.

1128
00:52:05,760 --> 00:52:05,800
Speaker 1: No.

1129
00:52:06,040 --> 00:52:08,040
Speaker 2: I love this. I'm glad we ended it on such

1130
00:52:08,080 --> 00:52:12,360
Speaker 2: a positive note. You guys, turn out of ten. All right, guys,

1131
00:52:12,560 --> 00:52:14,600
Speaker 2: we are going to go because I feel like this

1132
00:52:14,719 --> 00:52:18,000
Speaker 2: is rapidly declining. But we'll see you right earlier on

1133
00:52:18,000 --> 00:52:20,600
Speaker 2: Monday for a money diary. Have a good weekend, by guys.

1134
00:52:20,719 --> 00:52:23,480
Speaker 4: Bye.

1135
00:52:27,400 --> 00:52:29,960
Speaker 2: The advice shared on She's on the Money is general

1136
00:52:30,000 --> 00:52:33,839
Speaker 2: in nature and does not consider your individual circumstances. She's

1137
00:52:33,880 --> 00:52:37,360
Speaker 2: on the Money exists purely for educational purposes and should

1138
00:52:37,400 --> 00:52:40,560
Speaker 2: not be relied upon to make an investment or financial decision.

1139
00:52:40,960 --> 00:52:43,399
Speaker 2: If you do choose to buy a financial product, read

1140
00:52:43,440 --> 00:52:47,520
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

1141
00:52:47,600 --> 00:52:50,880
Speaker 2: your needs. Victoria Divine and She's on the Money are

1142
00:52:50,960 --> 00:52:55,960
Speaker 2: authorized representatives of Money sheper Pty LTD ABN three two

1143
00:52:56,000 --> 00:52:59,000
Speaker 2: one is six four nine two seven seven zero eight

1144
00:52:59,280 --> 00:53:12,400
Speaker 2: AFSL four five one two eight nine mhmm.