1
00:00:00,600 --> 00:00:04,840
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud Yr

2
00:00:04,880 --> 00:00:08,600
Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

3
00:00:08,600 --> 00:00:11,080
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,119 --> 00:00:14,240
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,360 --> 00:00:17,599
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,079 --> 00:00:22,200
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,239 --> 00:00:26,880
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,000 --> 00:00:30,040
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,160 --> 00:00:34,120
Speaker 1: today and lasting impact for tomorrow. Let's get into it.

10
00:00:34,280 --> 00:00:53,519
Speaker 2: She's on the Money, She's on the Money.

11
00:00:57,080 --> 00:01:00,160
Speaker 3: Hello, and welcome to She's on the Money. The podcasts

12
00:01:00,280 --> 00:01:02,600
Speaker 3: for people who want to understand what the federal budget

13
00:01:02,640 --> 00:01:05,959
Speaker 3: actually means without having to read three hundred pages of

14
00:01:06,040 --> 00:01:09,480
Speaker 3: economic jargon, because you know your finance Best DVD is

15
00:01:09,520 --> 00:01:11,679
Speaker 3: just going to do it for you. Maybe you want

16
00:01:11,720 --> 00:01:14,120
Speaker 3: to know if your heck step is going to shrink.

17
00:01:14,480 --> 00:01:18,520
Speaker 3: Maybe you're wondering if rent relief is coming, or whether

18
00:01:18,560 --> 00:01:22,800
Speaker 3: your energy bill is finally going to stop giving you anxiety,

19
00:01:23,360 --> 00:01:25,120
Speaker 3: or maybe you just want someone to tell you what

20
00:01:25,160 --> 00:01:28,920
Speaker 3: the heck is going on with tax cuts, housing, childcare,

21
00:01:29,640 --> 00:01:33,440
Speaker 3: and in a way that actually doesn't make you completely

22
00:01:33,440 --> 00:01:36,000
Speaker 3: glaze over. My friend. If that is you, you are

23
00:01:36,040 --> 00:01:39,760
Speaker 3: in the right place. I'm Victoria Devine and this is

24
00:01:39,840 --> 00:01:44,160
Speaker 3: a special bonus episode. I'm recording straight from my hotel

25
00:01:44,200 --> 00:01:47,320
Speaker 3: room in Canberra. I literally just got back from Parliament House,

26
00:01:47,560 --> 00:01:50,320
Speaker 3: and I am breaking down the twenty twenty five federal

27
00:01:50,320 --> 00:01:54,120
Speaker 3: budget in a way that is clear, practical, and hopefully

28
00:01:54,360 --> 00:01:58,200
Speaker 3: in a way that you actually find interesting. Because while

29
00:01:58,240 --> 00:02:01,840
Speaker 3: it might not be glamorous, the federal budget affects nearly

30
00:02:01,920 --> 00:02:05,800
Speaker 3: every single part of your financial life, whether you're renting

31
00:02:05,960 --> 00:02:08,799
Speaker 3: or trying to buy a home, or raising a family,

32
00:02:08,919 --> 00:02:12,079
Speaker 3: or studying, or your simply just trying to keep up

33
00:02:12,160 --> 00:02:15,320
Speaker 3: with the rising cost of living. What was announced this

34
00:02:15,400 --> 00:02:19,160
Speaker 3: week actually matters to you, my friend. It's not going

35
00:02:19,200 --> 00:02:21,480
Speaker 3: to come as a surprise. I have done the reading.

36
00:02:21,760 --> 00:02:24,560
Speaker 3: I've pulled out the headlines that actually affect your day

37
00:02:24,600 --> 00:02:26,880
Speaker 3: to day, and I'm bringing you a little bit of

38
00:02:26,880 --> 00:02:29,239
Speaker 3: a wrap that you can listen to, maybe while cleaning

39
00:02:29,240 --> 00:02:32,120
Speaker 3: the house or walking the dog, or procrastinating something that

40
00:02:32,160 --> 00:02:36,240
Speaker 3: you probably should be doing. This more important, So let's

41
00:02:36,280 --> 00:02:38,840
Speaker 3: get into it, because I have made a lot of

42
00:02:38,880 --> 00:02:41,280
Speaker 3: notes and I have a lot to say. Let's start

43
00:02:41,320 --> 00:02:43,440
Speaker 3: off on the right track, though, What the heck is

44
00:02:43,440 --> 00:02:46,520
Speaker 3: the federal budget? Well, I'm glad you asked. It's basically

45
00:02:46,560 --> 00:02:49,600
Speaker 3: the government's plan for how it wants to spend money

46
00:02:49,840 --> 00:02:52,560
Speaker 3: and where that money is going to come from over

47
00:02:52,600 --> 00:02:55,280
Speaker 3: the next financial year. It gives us a really clear

48
00:02:55,320 --> 00:02:58,600
Speaker 3: look at what the current government's priorities are right, what

49
00:02:58,680 --> 00:03:01,440
Speaker 3: they care about, and what they want to fund, and

50
00:03:01,480 --> 00:03:05,120
Speaker 3: who they are planning on helping. The federal budget is just,

51
00:03:05,400 --> 00:03:08,760
Speaker 3: in my opinion, as political as it is economic. It

52
00:03:08,800 --> 00:03:12,000
Speaker 3: outlines exactly what the current government wants to do, but

53
00:03:12,160 --> 00:03:16,320
Speaker 3: it is not locked in. These announcements are proposals and promises.

54
00:03:16,400 --> 00:03:21,000
Speaker 3: They are not guaranteed outcomes. Now, if the Labor government

55
00:03:21,160 --> 00:03:25,000
Speaker 3: is not re elected in the upcoming election, the incoming

56
00:03:25,040 --> 00:03:29,280
Speaker 3: government can actually choose to change, delay, or scrap any

57
00:03:29,400 --> 00:03:35,400
Speaker 3: of these measures. That means the hextet relief, energy build discounts,

58
00:03:35,720 --> 00:03:39,920
Speaker 3: housing investments, and changes to childcare might actually not happen.

59
00:03:40,520 --> 00:03:44,080
Speaker 3: A new government will bring its own budget priorities, which

60
00:03:44,200 --> 00:03:48,240
Speaker 3: could look completely different. I'm going to talk about their

61
00:03:48,400 --> 00:03:51,480
Speaker 3: budget counter at some point in the very near future.

62
00:03:51,480 --> 00:03:54,200
Speaker 3: When I get my hands on it. The important thing

63
00:03:54,280 --> 00:03:58,520
Speaker 3: to understand is what each party is actually offering before

64
00:03:58,600 --> 00:04:01,160
Speaker 3: we vote the budget. It gives us a really clear

65
00:04:01,160 --> 00:04:04,040
Speaker 3: look at what Labour plans to do, but whether any

66
00:04:04,080 --> 00:04:06,680
Speaker 3: of that actually happens is going to depend on who

67
00:04:06,840 --> 00:04:10,280
Speaker 3: is in charge after the election happens. But here is

68
00:04:10,320 --> 00:04:13,360
Speaker 3: what is really important for you to remember. A federal

69
00:04:13,400 --> 00:04:16,640
Speaker 3: election is going to be called within the next six weeks,

70
00:04:16,920 --> 00:04:21,120
Speaker 3: and my friend, that matters because everything in this budget

71
00:04:21,200 --> 00:04:24,400
Speaker 3: is still just a proposal. None of it is guaranteed

72
00:04:24,480 --> 00:04:27,640
Speaker 3: unless it passes through parliament. If we get a change

73
00:04:27,680 --> 00:04:31,000
Speaker 3: in government, there is every single chance under the sun

74
00:04:31,040 --> 00:04:34,120
Speaker 3: that some of these promises will change, be delayed, or

75
00:04:34,320 --> 00:04:38,279
Speaker 3: completely disappear altogether. And that is why now is the

76
00:04:38,279 --> 00:04:43,120
Speaker 3: perfect time for you to finally start engaging with politics.

77
00:04:43,440 --> 00:04:46,320
Speaker 3: I don't mean becoming an expert, you don't have to

78
00:04:46,360 --> 00:04:49,560
Speaker 3: do that. I mean knowing what each party stands for,

79
00:04:49,880 --> 00:04:52,560
Speaker 3: how their politics are going to affect your life, and

80
00:04:53,000 --> 00:04:56,679
Speaker 3: where they sit on issues that actually matter to you most.

81
00:04:57,440 --> 00:05:01,920
Speaker 3: That is, my friend, financial empowerment. Your vote directly shapes

82
00:05:01,960 --> 00:05:05,080
Speaker 3: the system that you are currently trying to succeed in. So,

83
00:05:05,240 --> 00:05:08,240
Speaker 3: my friend, make it count. Let's start with the issue

84
00:05:08,240 --> 00:05:10,600
Speaker 3: that is affecting nearly every single person that I know,

85
00:05:10,800 --> 00:05:13,760
Speaker 3: and that is the cost of living. Inflation is currently

86
00:05:13,800 --> 00:05:17,000
Speaker 3: sitting at two point four percent. That's a big drop

87
00:05:17,080 --> 00:05:20,360
Speaker 3: from the seven point eight percent peak in twenty twenty two,

88
00:05:20,600 --> 00:05:24,800
Speaker 3: which honestly sounds promising. But let's be real, Prices are

89
00:05:24,920 --> 00:05:27,880
Speaker 3: still going up. They're just going up a little bit

90
00:05:27,920 --> 00:05:32,479
Speaker 3: more slowly. According to the ABS, households are still spending

91
00:05:32,560 --> 00:05:35,919
Speaker 3: more than nine percent on essentials like rent and food

92
00:05:36,000 --> 00:05:39,599
Speaker 3: and transport and health compared to last year. We I

93
00:05:39,640 --> 00:05:42,280
Speaker 3: would say, are still in a squeeze when it comes

94
00:05:42,320 --> 00:05:45,880
Speaker 3: to tax cuts. From July twenty twenty six, the tax

95
00:05:45,960 --> 00:05:50,200
Speaker 3: rate on income between eighteen thousand, two hundred dollars and

96
00:05:50,279 --> 00:05:54,400
Speaker 3: forty five thousand dollars will drop down sixteen cents per

97
00:05:54,440 --> 00:05:59,120
Speaker 3: dollar to fifteen cents. Then from July twenty twenty seven,

98
00:05:59,279 --> 00:06:02,279
Speaker 3: it will drop a gain to fourteen cents. This means

99
00:06:02,320 --> 00:06:05,039
Speaker 3: if you earn over forty five thousand dollars, you'll see

100
00:06:05,040 --> 00:06:08,400
Speaker 3: a tax cut of around two hundred and sixty eight

101
00:06:08,400 --> 00:06:11,719
Speaker 3: dollars in the twenty twenty six twenty twenty seven financial year.

102
00:06:12,400 --> 00:06:14,839
Speaker 3: It's not huge Let's be honest, but it is a

103
00:06:14,880 --> 00:06:18,680
Speaker 3: small win for a lot of working Australians. In the

104
00:06:18,720 --> 00:06:23,320
Speaker 3: budget there was energy bill relief information. From July. All

105
00:06:23,360 --> 00:06:28,200
Speaker 3: households will receive two automatic seventy five dollars discounts on

106
00:06:28,240 --> 00:06:31,760
Speaker 3: their electricity bills, one for each quarter. That's one hundred

107
00:06:31,760 --> 00:06:34,120
Speaker 3: and fifty dollars in total. You don't need to apply,

108
00:06:34,360 --> 00:06:36,599
Speaker 3: it's actually just going to appear as a credit for you.

109
00:06:37,480 --> 00:06:41,159
Speaker 3: Around one million small businesses are also going to benefit. But,

110
00:06:41,760 --> 00:06:45,239
Speaker 3: and this is important, there is nothing in the budget

111
00:06:45,400 --> 00:06:49,679
Speaker 3: that stops energy companies from raising their prices. So while

112
00:06:49,760 --> 00:06:52,800
Speaker 3: the relief is absolutely helpful, it is still worth checking

113
00:06:52,839 --> 00:06:56,160
Speaker 3: your plan and your provider and using a government comparison

114
00:06:56,279 --> 00:06:59,200
Speaker 3: site to see if you can save even more. Let's

115
00:06:59,200 --> 00:07:03,000
Speaker 3: talk about Medicare and medications. The government is putting an

116
00:07:03,000 --> 00:07:08,000
Speaker 3: extra eight point five billion dollars into Medicare to increase

117
00:07:08,040 --> 00:07:11,360
Speaker 3: bog billing rates. Their goal is to make ninety percent

118
00:07:11,440 --> 00:07:15,679
Speaker 3: of GP visits free by twenty thirty. They are also

119
00:07:15,760 --> 00:07:19,800
Speaker 3: reducing the maximum cost of medications on the PBS from

120
00:07:19,880 --> 00:07:23,600
Speaker 3: thirty one dollars and sixty cents down to twenty five dollars.

121
00:07:23,960 --> 00:07:26,720
Speaker 3: This honestly, could make a very big difference and a

122
00:07:26,840 --> 00:07:29,680
Speaker 3: very real difference for women who are managing chronic health

123
00:07:29,720 --> 00:07:33,920
Speaker 3: conditions or families who need ongoing medication. Let's talk about

124
00:07:33,960 --> 00:07:35,760
Speaker 3: hex and Help debt. A lot of you are here

125
00:07:35,800 --> 00:07:39,400
Speaker 3: for this now. This got a lot of attention in

126
00:07:39,440 --> 00:07:43,760
Speaker 3: the media this week student debt. The government has promised

127
00:07:43,880 --> 00:07:47,920
Speaker 3: to wipe twenty percent of all outstanding hex and Help

128
00:07:47,920 --> 00:07:51,680
Speaker 3: debts from the first of July twenty twenty four. That

129
00:07:51,800 --> 00:07:56,000
Speaker 3: sounds very sexy. Keep in mind that is only if

130
00:07:56,040 --> 00:07:59,240
Speaker 3: they are re elected. If your debt is paid off

131
00:07:59,280 --> 00:08:02,880
Speaker 3: before that day eight Unfortunately, you are not going to

132
00:08:02,880 --> 00:08:06,239
Speaker 3: receive the discount. It only applies to what you still

133
00:08:06,280 --> 00:08:09,400
Speaker 3: have owing on the first of July this year. The

134
00:08:09,520 --> 00:08:13,440
Speaker 3: change is expected to remove around sixteen billion dollars in

135
00:08:13,480 --> 00:08:17,040
Speaker 3: student debt across the country. They are also changing how

136
00:08:17,120 --> 00:08:20,920
Speaker 3: indexation on it works, so from now on it will

137
00:08:20,920 --> 00:08:25,440
Speaker 3: actually be calculated based on whichever is lower inflation or

138
00:08:25,560 --> 00:08:29,480
Speaker 3: wage growth, which should stop your HEX from growing faster

139
00:08:29,520 --> 00:08:33,160
Speaker 3: than your salary. And I love to see it. This

140
00:08:33,280 --> 00:08:36,280
Speaker 3: is new and something I didn't care so much about

141
00:08:36,480 --> 00:08:41,880
Speaker 3: historically personally, that is childcare. This budget includes a major

142
00:08:42,240 --> 00:08:46,680
Speaker 3: investment in childcare. Families earning up to five hundred and

143
00:08:46,880 --> 00:08:51,319
Speaker 3: thirty thousand dollars a year combined can access three days

144
00:08:51,520 --> 00:08:56,520
Speaker 3: of subsidized care per week. This costs the government approximately

145
00:08:56,520 --> 00:08:59,760
Speaker 3: fifteen point four billion dollars by mid twenty twenty five,

146
00:09:00,120 --> 00:09:03,880
Speaker 3: and it's actually expected to rise to eighteen point four

147
00:09:03,880 --> 00:09:08,040
Speaker 3: billion every single year from twenty twenty eight. For families

148
00:09:08,040 --> 00:09:11,120
Speaker 3: who are already using childcare. This could actually lower out

149
00:09:11,120 --> 00:09:14,200
Speaker 3: of pocket costs for parents who are returning to work,

150
00:09:14,320 --> 00:09:17,600
Speaker 3: especially women. This kind of support is going to make

151
00:09:17,720 --> 00:09:21,120
Speaker 3: a huge difference. Let's go to a really quick break,

152
00:09:21,120 --> 00:09:24,080
Speaker 3: because I am yapping and I want to pop an

153
00:09:24,120 --> 00:09:26,400
Speaker 3: ad in here so that I can keep bringing you

154
00:09:26,440 --> 00:09:33,240
Speaker 3: the content that you know and love. All right, welcome back,

155
00:09:33,320 --> 00:09:36,040
Speaker 3: my loves. I hope this hasn't been too bland so far,

156
00:09:36,160 --> 00:09:39,040
Speaker 3: but even if it has, I have very much been

157
00:09:39,120 --> 00:09:43,520
Speaker 3: enjoying sharing this more than I care to admit. Housing

158
00:09:43,679 --> 00:09:47,400
Speaker 3: and renting, let's talk about it now. This is huge

159
00:09:47,920 --> 00:09:51,360
Speaker 3: since the pandemic. House prices have risen by thirty eight

160
00:09:51,440 --> 00:09:55,680
Speaker 3: point four percent, and rent you're not surprised here, is

161
00:09:55,800 --> 00:09:59,360
Speaker 3: up thirty seven percent. If it feels harder than it

162
00:09:59,440 --> 00:10:03,160
Speaker 3: ever has before to get ahead. That's because it is

163
00:10:03,640 --> 00:10:08,120
Speaker 3: According to the Census, home ownership among Australians aged thirty

164
00:10:08,160 --> 00:10:11,960
Speaker 3: to thirty four has dropped to fifty percent. In nineteen

165
00:10:12,000 --> 00:10:15,800
Speaker 3: seventy one, it was sixty four percent. This budget includes

166
00:10:15,840 --> 00:10:19,680
Speaker 3: an extra one billion dollars to housing, bringing the government's

167
00:10:19,720 --> 00:10:24,240
Speaker 3: total commitment to thirty three billion dollars. Their target is

168
00:10:24,280 --> 00:10:28,080
Speaker 3: to build one point two million new homes by twenty thirty.

169
00:10:28,480 --> 00:10:31,880
Speaker 3: To speed things up, they are also funding modular and

170
00:10:31,960 --> 00:10:35,400
Speaker 3: prefabricated homes that can be built up to fifty percent

171
00:10:35,520 --> 00:10:41,040
Speaker 3: faster than traditional construction. Now, my first home buyers, the

172
00:10:41,200 --> 00:10:44,160
Speaker 3: Help to Buy scheme is going to be getting an

173
00:10:44,200 --> 00:10:48,520
Speaker 3: eight hundred million dollar boost and it will be open

174
00:10:48,559 --> 00:10:51,120
Speaker 3: to even more people. I can do a podcast on this,

175
00:10:51,280 --> 00:10:54,360
Speaker 3: but it's essentially a shared equity model where the government

176
00:10:54,360 --> 00:10:57,760
Speaker 3: buys a portion of your home with you, so you

177
00:10:57,800 --> 00:11:00,920
Speaker 3: don't need as large as a deposit or a mortgage.

178
00:11:01,280 --> 00:11:04,000
Speaker 3: And I have a lot of things to say about that.

179
00:11:04,080 --> 00:11:08,000
Speaker 3: Eligibility includes individuals earning up to one hundred thousand dollars

180
00:11:08,040 --> 00:11:11,680
Speaker 3: a year and couples or single parents earning up to

181
00:11:11,720 --> 00:11:15,720
Speaker 3: one hundred and sixty thousand dollars. Property price caps are

182
00:11:15,720 --> 00:11:18,319
Speaker 3: going to vary state by state. In New South Wales,

183
00:11:18,360 --> 00:11:21,800
Speaker 3: for example, homes up to one point three million dollars

184
00:11:21,840 --> 00:11:24,679
Speaker 3: are going to be eligible in the cities and up

185
00:11:24,679 --> 00:11:28,560
Speaker 3: to eight hundred thousand dollars in regional areas. The government

186
00:11:28,600 --> 00:11:33,199
Speaker 3: is also investing seventy point nine million dollars to support

187
00:11:33,280 --> 00:11:37,480
Speaker 3: First Nation's home ownership, and they are introducing a two

188
00:11:37,559 --> 00:11:42,439
Speaker 3: year ban on foreign investors buying existing properties. The ATO

189
00:11:42,480 --> 00:11:45,680
Speaker 3: will receive funding to enforce this, and I think both

190
00:11:45,679 --> 00:11:49,640
Speaker 3: of those things are fantastic. Let's talk about renters. Renters

191
00:11:49,640 --> 00:11:52,720
Speaker 3: were not forgotten, but there is still so much work

192
00:11:52,760 --> 00:11:56,040
Speaker 3: to be done. The government announced a framework called a

193
00:11:56,080 --> 00:12:00,000
Speaker 3: Better Deal for Renters, which aims to reduce unfair evictions

194
00:12:00,040 --> 00:12:03,560
Speaker 3: and rent hikes. They don't have direct control over rental laws,

195
00:12:03,640 --> 00:12:08,439
Speaker 3: but they'll be using National Cabinet to ensure stronger protections.

196
00:12:08,840 --> 00:12:12,720
Speaker 3: There have also been increases to Commonwealth rent assists, though

197
00:12:13,000 --> 00:12:17,000
Speaker 3: housing advocates have been pushing for more direct support. Fair

198
00:12:17,520 --> 00:12:21,280
Speaker 3: Let's talk about crisis housing and homelessness. The budget has

199
00:12:21,320 --> 00:12:25,720
Speaker 3: included two point five million dollars for emergency accommodation for

200
00:12:25,800 --> 00:12:29,920
Speaker 3: women and children escaping domestic violence. Personally, I don't think

201
00:12:29,960 --> 00:12:33,280
Speaker 3: that's enough, but that's a conversation for another day. There's

202
00:12:33,280 --> 00:12:36,600
Speaker 3: another six point five million dollars that will fund research

203
00:12:36,640 --> 00:12:40,040
Speaker 3: and policy advice to improve housing security for people at

204
00:12:40,120 --> 00:12:44,719
Speaker 3: risk of homelessness as well. So I guess what are

205
00:12:44,720 --> 00:12:48,439
Speaker 3: you thinking? What is the big takeaway here? Those are

206
00:12:48,440 --> 00:12:51,040
Speaker 3: just the highlights. I would say this budget is trying

207
00:12:51,040 --> 00:12:54,960
Speaker 3: to ease pressure in a few key areas, so housing, childcare,

208
00:12:55,000 --> 00:12:58,040
Speaker 3: student debt, energy, and health care. There was so much

209
00:12:58,160 --> 00:13:01,120
Speaker 3: more in the budget than what I have recapped, but

210
00:13:01,240 --> 00:13:03,760
Speaker 3: I have just pulled out what headlines I think are

211
00:13:03,760 --> 00:13:06,920
Speaker 3: really appropriate for you to understand if you're consuming Shee's

212
00:13:06,920 --> 00:13:09,640
Speaker 3: on the Money content, So if that's for you, I

213
00:13:09,679 --> 00:13:12,800
Speaker 3: would recommend going and checking out the Daily Os. They

214
00:13:12,840 --> 00:13:16,400
Speaker 3: do a much more in depth analysis of the budget

215
00:13:16,480 --> 00:13:20,480
Speaker 3: on every single facet, whereas I have really deep dove

216
00:13:20,800 --> 00:13:24,720
Speaker 3: I suppose is the word into really understanding the financial

217
00:13:24,760 --> 00:13:27,679
Speaker 3: side of things. What I want you to remember here

218
00:13:27,880 --> 00:13:32,000
Speaker 3: is most of this is still proposal. Nothing is locked in.

219
00:13:32,240 --> 00:13:35,280
Speaker 3: With an election coming very soon, this is actually time

220
00:13:35,360 --> 00:13:39,719
Speaker 3: for you to start paying attention. Your money is directly

221
00:13:39,800 --> 00:13:42,520
Speaker 3: shaped by the decisions that our government shapes whether you

222
00:13:42,720 --> 00:13:46,320
Speaker 3: like it or not. This means that being informed. It's

223
00:13:46,440 --> 00:13:51,199
Speaker 3: not powerful, it's essential. And my friend, I'm going to

224
00:13:51,280 --> 00:13:53,559
Speaker 3: be here, I'll be right here breaking it down as

225
00:13:53,600 --> 00:13:55,560
Speaker 3: we get closer to the election, because I think it

226
00:13:55,640 --> 00:14:00,640
Speaker 3: is so flipping important that you understand this and somebody

227
00:14:00,720 --> 00:14:04,360
Speaker 3: who just explains it without bias or narrative, like I am,

228
00:14:04,400 --> 00:14:07,120
Speaker 3: actually not during any of this process going to be

229
00:14:07,200 --> 00:14:09,480
Speaker 3: sharing with you who I vote for or what my

230
00:14:09,679 --> 00:14:14,080
Speaker 3: opinions are on voting, because my job in this space,

231
00:14:14,160 --> 00:14:16,360
Speaker 3: or what I think my job in this space is,

232
00:14:16,360 --> 00:14:18,960
Speaker 3: is to give you every single tool and resource to

233
00:14:19,080 --> 00:14:22,000
Speaker 3: make a decision that is in line with your values,

234
00:14:22,200 --> 00:14:25,080
Speaker 3: not mine. So I'm going to continue to bring this

235
00:14:25,160 --> 00:14:29,240
Speaker 3: information to you because honestly, I am such a politics

236
00:14:29,360 --> 00:14:33,400
Speaker 3: nerd and I would love that privilege. So play along.

237
00:14:33,480 --> 00:14:35,160
Speaker 3: We'll see if we can get some fun faces on

238
00:14:35,200 --> 00:14:38,840
Speaker 3: the podcast for you. And that's a wrap, my friends.

239
00:14:38,880 --> 00:14:45,880
Speaker 3: I hope you have a brilliant Saturday.

240
00:14:46,960 --> 00:14:49,120
Speaker 4: The ad by shared on She's on the Money is

241
00:14:49,200 --> 00:14:51,680
Speaker 4: general in nature and does not consider.

242
00:14:51,240 --> 00:14:55,160
Speaker 3: Your individual circumstances. She's on the Money exists purely for

243
00:14:55,320 --> 00:14:58,200
Speaker 3: educational purposes and should not be relied upon to make

244
00:14:58,200 --> 00:15:01,440
Speaker 3: an investment or financial decision. If you do choose to

245
00:15:01,480 --> 00:15:03,160
Speaker 3: buy a financial product, read.

246
00:15:02,960 --> 00:15:06,680
Speaker 4: The PDS TMD and obtain appropriate financial advice.

247
00:15:06,360 --> 00:15:07,680
Speaker 3: Tailored towards your needs.

248
00:15:08,040 --> 00:15:12,000
Speaker 4: Victoria, Divine and Sheese on the Money are authorized representatives

249
00:15:12,040 --> 00:15:14,560
Speaker 4: of Money sherper p t y lt D A b

250
00:15:14,760 --> 00:15:17,800
Speaker 4: N three two one six four nine two seven seven

251
00:15:17,920 --> 00:15:22,080
Speaker 4: zero eight AFS L four five one two eight nine