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Speaker 1: She's on The Money Radio Show.

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Speaker 2: With Victoria Divine starts now, Hello and welcome to that.

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Speaker 2: She's on the Money Radio Show podcast, the podcast for

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Speaker 2: millennials who want financial You got it right. You usually

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Speaker 2: tell me it's not just for millennials or it's blah

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Speaker 2: blah blah. So what's your constructive criticism or how I

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Speaker 2: can be better?

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Speaker 3: Tip this week?

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Speaker 2: Victorian?

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Speaker 4: No, I don't have any advice for you. You are

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Speaker 4: perfect this week.

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Speaker 5: I've got advice we didn't ask actually, all right, Instead

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Speaker 5: of ordering a mcfluurry and McDonald's, which averages around four

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Speaker 5: bucks at the moment with inflation, probably five, you order

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Speaker 5: a thirty cent cone in the Sunday lid and then

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Speaker 5: they put toppings on it and it's still the same

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Speaker 5: price as a soft serve, but it's the same volume

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Speaker 5: as a mcflurry.

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Speaker 1: You're welcome.

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Speaker 4: They don't even flurry the mcflurry's anymore, Honestly.

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Speaker 1: No, they don't. They stopped flouring.

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Speaker 3: What what is flurry?

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Speaker 6: You know how mcflurry is? Right?

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Speaker 4: They used to get that spoon, the square spoon, and

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Speaker 4: they put it in a Yeah it was. And I

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Speaker 4: never understood why the spoons were like that and they

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Speaker 4: would put the spoon in with your toppings and like

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Speaker 4: flurry it around. What They don't do that anymore. They

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Speaker 4: just put some soft serve in a cup, chucks and

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Speaker 4: M and ms on the top and chuck that spoon

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Speaker 4: in there as a sick joke to let you know

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Speaker 4: that your mcflurry was never flurry.

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Speaker 3: Wow, that is actually ridiculous, like.

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Speaker 6: To be honest, and I'm sad about it.

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Speaker 3: Put some effort into a McDonald's.

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Speaker 5: I'm all for saving the turtles, but we need to

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Speaker 5: rethink the paper straw because sits in then all of

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Speaker 5: a sudden, I'm sucking on a crumpet Like it's disgusting.

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Speaker 4: Not given things like bamboo straws exist, there's those sugar

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Speaker 4: cane straws. Like, there's so many other options, yet they

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Speaker 4: chose paper as some kind of pick joke.

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Speaker 2: Okay, I'm glad, like that could have been so misconstrued

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Speaker 2: if somebody just came in late down and what.

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Speaker 3: The hell we were talking?

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Speaker 1: Relate to a No one comes away to a podcast.

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Speaker 2: Travel Sometimes I don't listen to what's actually being said.

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Speaker 2: I don't pay attention guys, all right, yes, you need

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Speaker 2: to be paying attention though, because our She's on the

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Speaker 2: Money radio show this Saturday was an absolute cracker. We

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Speaker 2: had a brand new segment because people are just going

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Speaker 2: crazy and they just need to come come ya.

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Speaker 4: I feel like this has come out of me ranting

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Speaker 4: on my Instagram stories so many times, and our producer

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Speaker 4: saw it and was like, yeah, that's good content.

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Speaker 6: Let's just chuck that on the radio me like.

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Speaker 3: The one that you did this week that caused a

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Speaker 3: little bit of a stir in the news, mate.

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Speaker 4: And I don't even mean it, like I'm just posting

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Speaker 4: my experiences and people get mad about it.

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Speaker 6: It's not my fault.

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Speaker 2: I have a listen to a not Victoria Divine, but

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Speaker 2: like Victim Divine. Sorry, you don't have to say everything

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Speaker 2: that you think though, Victoria just putting it out there.

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Speaker 6: But it's how it got me here, So maybe I do.

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Speaker 2: Speaking of how you got here and why you are

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Speaker 2: great at solving people's money dilemmas. If you're thinking about

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Speaker 2: getting pregnant, or may be you're pregnant at the moment,

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Speaker 2: we're going to.

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Speaker 4: Talk about paid parntal leave from the minimums. I feel

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Speaker 4: like it's a good topic because it's one that confuses everybody.

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Speaker 6: TLDR.

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Speaker 4: I'll check your contracts with your employer because that will

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Speaker 4: guide what is actually gonna happen for you.

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Speaker 2: Every single person's like, all babies cost me so much money,

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Speaker 2: but you're going to make them money.

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Speaker 6: They do.

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Speaker 3: And you know what.

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Speaker 4: I was talking to my girlfriend Phoebe the other day,

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Speaker 4: and Phoebe owns a company called The Memo, which is

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Speaker 4: a remember a really big baby company here in Melbourne

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Speaker 4: that is starting to take Australia by storm.

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Speaker 6: She is an absolute legend.

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Speaker 4: She owns that with her friend Kate Casey, and I'm

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Speaker 4: obsessed with them. But I'm going to do an episode

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Speaker 4: really soon on She's on the Money about how to

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Speaker 4: afford a baby and what it costs Phoebe, because Phoebe's

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Speaker 4: just had a baby, about what it cost her and

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Speaker 4: what she had to fork out and what was worth

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Speaker 4: paying for and what wasn't. And I think that'll be

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Speaker 4: a really good episode for She's on the Money because

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Speaker 4: I don't even know what a baby costs.

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Speaker 6: I just assume they're really expensive.

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Speaker 3: I thought it was like one hundred grand a year

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Speaker 3: or something.

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Speaker 4: Oh I don't even know what it is, but I

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Speaker 4: just feel like, babies are so expensive. And I say

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Speaker 4: that as the only experience I've had of purchasing baby

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Speaker 4: stuff is those expensive gifts you get when you get

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Speaker 4: baby showers.

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Speaker 2: My favorite thing is there when I said one hundred

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Speaker 2: grand a year. Our producer Richie, whose partner is about

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Speaker 2: to have a baby, he just saw that.

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Speaker 3: Hello darkness, my old friend playing as your face went wide.

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Speaker 3: Ye seriously rethink how.

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Speaker 6: Much does your baby cost you thus far?

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Speaker 5: Oh?

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Speaker 3: Probably twenty grand? Holy mold the start.

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Speaker 6: That was an expensive decision.

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Speaker 3: We could mate move on.

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Speaker 6: Sorry, Jess.

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Speaker 2: Something that's not gonna cost you anything gonna save you

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Speaker 2: a bunch of money. Actually, it's the she's on the

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Speaker 2: Muney radio show right now.

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Speaker 7: This is she's on the Money radio show.

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Speaker 2: Yeah, she's on the Money Radio show with Australia's number

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Speaker 2: one finance podcast of Victoria Vine Mitch Jury as well. Guys,

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Speaker 2: we're doing all thanks to Budget direct Winn't Have Can

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Speaker 2: Stars Insurer of the Year twenty twenty two. Budget Directs

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Speaker 2: Insurance Soul Victoria what legend.

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Speaker 4: I feel like they are good eggs doing good things.

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Speaker 4: But speaking of good eggs doing good things and the

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Speaker 4: opposite of that, News media is pretty cooked and it's

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Speaker 4: stressing everybody out with news headlines all around Australia talking

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Speaker 4: about the economy, talking about letters, talking about the cost

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Speaker 4: of fuel, and I feel like we are all getting

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Speaker 4: pretty stressy. So I've collected a few example headlines for

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Speaker 4: you guys, and you're going to tell me how much

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Speaker 4: fear they instill in you. So first one, big banks

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Speaker 4: shock prediction zero.

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Speaker 3: That could mean anything like that is so vague.

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Speaker 1: Can I just say the media give the bank so

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Speaker 1: much press? There's press releases.

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Speaker 5: I don't even know what the RBA is and anyone's

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Speaker 5: talking about I thought that was a hospital in Sydney.

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Speaker 1: Everyone's like the RBA, I have made a big decision.

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Speaker 1: What have they got new beds or something?

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Speaker 3: No, that's RPA, Mitch.

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Speaker 1: The banks are scary in my mind.

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Speaker 3: Anyway, give us another one, Victoria, what's the next one?

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Speaker 4: People are talking about crypto coming back after a massive plunge.

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Speaker 4: I just feel like it is instilling fear for no

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Speaker 4: good reason. And another thing that I got really under

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Speaker 4: my skin about eighteen months ago, which you guys probably

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Speaker 4: will remember, is when all through the media people were

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Speaker 4: talking about the soaring prices of after pay shares, and

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Speaker 4: we're not talking about after pay as a product, we're

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Speaker 4: just talking about people investing in them as a company.

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Speaker 4: And as a financial advisor, I was like, soir, what why?

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Speaker 4: Because they're not even profiting that much to justify the

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Speaker 4: share price that exists. They've never paid a dividend, which

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Speaker 4: is an amount of money that you get paid if

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Speaker 4: you're a shareholder in that company.

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Speaker 6: Where's the value here?

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Speaker 2: Like?

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Speaker 6: Why would I do this?

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Speaker 4: And then now it's completely come off and everyone's complaining

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Speaker 4: that they've lost money on those shares.

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Speaker 6: And they thought it was a good idea.

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Speaker 4: But they thought it was a good idea because they

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Speaker 4: saw it in media, not because professionals were talking about it.

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Speaker 3: It's all about the hype exactly.

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Speaker 4: And you also look at what happened pre COVID. Do

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Speaker 4: you remember pre COVID?

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Speaker 7: All?

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Speaker 6: Oh you don't, It didn't exist.

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Speaker 1: Now it's a bit of a blow to be honest,

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Speaker 1: I'm blocked it out as.

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Speaker 4: Well, But let me refresh your memory. Before COVID, all

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Speaker 4: through the newspapers, we were talking about how property was

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Speaker 4: going to plummet and people were going to get sheep

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Speaker 4: houses and cheap apartments, and it was going to be

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Speaker 4: a buyer's dream, right that happen? No, what are we

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Speaker 4: talking about now? It's not that sexy to talk about

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Speaker 4: how property didn't drop, So there's.

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Speaker 6: No articles on that.

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Speaker 4: In fact, I found an article a little while ago

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Speaker 4: in a newspaper pretty much at the very back of

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Speaker 4: it going property prices have remained stable, and I'm like, yeah,

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Speaker 4: I know it makes sense. So it's one of those

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Speaker 4: things where you're just like, the media talk about things

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Speaker 4: and instill fear in us, and I think we need

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Speaker 4: to be really careful about what we're consuming and what

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Speaker 4: we're believing and what we're not because it actually ends

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Speaker 4: up impacting our mental health and how we feel about

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Speaker 4: things and the decisions we make around money.

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Speaker 6: And that gives me the ick.

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Speaker 5: Yeah, I will just say I'll give the media one credity.

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Speaker 5: The price of lettus is ridiculous. I can barely afford

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Speaker 5: a cheeseburger, which is a travesty.

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Speaker 4: At the moment, guys, I've gone back to frozen spinach.

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Speaker 4: I will not be buying lettuce. Like, if you want

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Speaker 4: a salad at my house, not happening here, have a

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Speaker 4: frozen block of spinach because that's all.

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Speaker 5: That's why she's not doing her morning poos trap because

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Speaker 5: she's all up from the spinach spineach.

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Speaker 6: In my smoothies.

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Speaker 4: I am absolutely regular follow my Instagram stories, you know

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Speaker 4: I love a good meta musal.

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Speaker 1: Okay, come your farm, Victoria here in the mediaop.

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Speaker 2: All right, let's do this thirty and one A six five.

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Speaker 2: Give us a call right now. Have you seen a

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Speaker 2: news headline and you've just thought to.

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Speaker 3: Yourself, come come if you have thurstay one A six five.

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Speaker 2: We're going to take your calls next right here on

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Speaker 2: She's on the Money Radio show for your Saturday Morning.

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Speaker 7: This is She's on the Money Radio Show.

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Speaker 3: Via Saturday Morning.

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Speaker 2: It's She's on the Money Radio Show with Australia's number

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Speaker 2: one finance podcast of Victoria Devine.

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Speaker 4: That's you, Oh spicy. I feel like there's nowhere to

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Speaker 4: go from there. Honestly, step for down.

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Speaker 6: Speaking of down the share market right now.

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Speaker 3: Oh, I was going to say, like Mitch Cherry, who's

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Speaker 3: on the show as well.

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Speaker 6: That was pretty I'll take that.

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Speaker 1: But I am up. I'm in such a great mood

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Speaker 1: to be here with you guys. We've got a great show.

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Speaker 3: Yeah. On Saturdays we are doing this. Come here.

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Speaker 6: News media is pretty cooked at the moment.

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Speaker 4: I feel like there are headlines coming out my ears

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Speaker 4: about how bad the economy is, how expensive lettuce is,

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Speaker 4: what the cost of oil is, what petrol looks like,

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Speaker 4: and I'm just over seeing the media overhype things to

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Speaker 4: terrify us.

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Speaker 6: So we're going to get.

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Speaker 4: Some people to call through and tell us some headlines

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Speaker 4: that they think people need to calm their farms about Victoria.

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Speaker 3: What are you doing, mate? There's no need to talk

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Speaker 3: because we got this. Come come y. That is art's glorious.

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Speaker 2: Thirty one six five is and number. Give us a

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Speaker 2: call right now, just like Tommy has done. Mate, What

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Speaker 2: do you think the media need to come?

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Speaker 3: Um ya over?

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Speaker 5: All?

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Speaker 8: Right? Well, there's this third.

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Speaker 3: He calls himself the slum dog millionaire because he's young,

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Speaker 3: like he lives in Vegas.

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Speaker 1: I made a million bucks.

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Speaker 3: Offic singing earlier this year called bloody dog coin and yeah,

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Speaker 3: West you could say it, and I'm pretty sure.

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Speaker 6: The slum doge millionaire lum dose.

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Speaker 4: I love the confidence in that though, imagine naming yourself that.

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Speaker 4: And also I don't mean to be a bit rude,

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Speaker 4: but like property prices in Melbourne have just hit in

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Speaker 4: our verage of what one point one million dollars?

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Speaker 6: Is that even that much money?

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Speaker 1: Now?

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Speaker 5: No?

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Speaker 2: No, it's like when they got million dollar listings, it's like, well,

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00:10:06,600 --> 00:10:10,920
Speaker 2: hang on a second, that's just a regular yeah, slum

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Speaker 2: dosh millionaire.

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Speaker 4: I love it, but I also just feel like that

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Speaker 4: gives me the eg Yeah, and.

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Speaker 2: You know what media come come yam, speaking of Indy,

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Speaker 2: you think the media need to come down with property?

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Speaker 8: Oh my gosh. Yeah. I am so sick of seeing

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Speaker 8: some twenty year old being able to retire because they've

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Speaker 8: got a billion dollar property portfolio or something like that.

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Speaker 8: Those stories are everywhere time.

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Speaker 6: It's actually really easy.

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Speaker 4: All those guys did was stop eating avocados and now

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Speaker 4: they can afford property.

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Speaker 6: It's actually mat Yeah.

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Speaker 8: Yeah.

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Speaker 4: I went to a cafe the other day and I

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Speaker 4: saw in the menu that the smashed avocado was twenty

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Speaker 4: seven dollars.

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Speaker 6: What I was like, No, do we can't afford property?

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Speaker 3: Oh my god?

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Speaker 6: Yeah, not great.

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Speaker 4: But at my local supermarket, avocados money win dollar.

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Speaker 2: You know you need to do though, Victoria, buy those

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Speaker 2: dollar avocados, make your own avo smash charge twenty five No,

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Speaker 2: twenty five, undercut.

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Speaker 4: Those, undercut them, and then after I've undercut them, I

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00:11:08,120 --> 00:11:09,400
Speaker 4: can afford a house. Is that right?

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Speaker 3: Money win that come to my house?

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Speaker 4: If Sully smaver. But I'm kind of sick of seeing

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00:11:13,440 --> 00:11:16,440
Speaker 4: these million dollar property portfolios as well from young people,

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00:11:16,480 --> 00:11:18,360
Speaker 4: because you also go, I know, mum and dad helped

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Speaker 4: you out there, Sirlow.

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Speaker 1: Oh, that's exactly it. Where are your parents?

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Speaker 3: Hey? On thurday one of six'.

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Speaker 2: Five we are taking your calls right now because we

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00:11:26,160 --> 00:11:28,640
Speaker 2: think the media are just blowing up headlines and they

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00:11:28,679 --> 00:11:34,079
Speaker 2: need to Calm Come, yu you're hating The Dow, jones,

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00:11:34,120 --> 00:11:35,520
Speaker 2: mate talk to, us, buddy what's?

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00:11:35,520 --> 00:11:38,120
Speaker 3: Wrong every single morning they're going on about.

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00:11:38,160 --> 00:11:40,600
Speaker 8: It it's, up it's, down it's, up it's, down it's.

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00:11:40,720 --> 00:11:43,319
Speaker 7: Up get these guys something to flatten them.

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Speaker 4: Ount my favorite thing about, mediocre midle aged white men

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00:11:46,600 --> 00:11:49,000
Speaker 4: talking about finance is they always like to throw those

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00:11:49,160 --> 00:11:52,280
Speaker 4: terms and acronyms around make themselves seem, smarter and it's, like,

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Speaker 4: Okay Dow jones is just the average of.

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Speaker 6: What the market looks. Like it's not actually that.

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Speaker 3: Exciting is that what it?

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Speaker 8: Means?

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Speaker 1: Yeah?

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Speaker 2: Literally?

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00:12:00,160 --> 00:12:03,520
Speaker 3: Wow and how aggressive was that for A saturday.

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Speaker 4: MORNING I dave AND i too piece kids in the.

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00:12:07,320 --> 00:12:10,319
Speaker 2: Car davy, Mate Hey, DAVE i think you need to calm.

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00:12:10,400 --> 00:12:11,080
Speaker 3: You come ya?

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00:12:11,920 --> 00:12:13,880
Speaker 5: Um all?

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Speaker 2: Right coming up Next, Victoria we're going to solve somebody's money.

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00:12:17,200 --> 00:12:17,840
Speaker 3: Dilemma we.

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00:12:18,000 --> 00:12:20,199
Speaker 4: Are if you're struggling with your cash flow and you've

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00:12:20,200 --> 00:12:22,080
Speaker 4: found yourself in a little bit of a pickle and

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00:12:22,120 --> 00:12:23,800
Speaker 4: need some, advice you can hit us up on The

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00:12:23,840 --> 00:12:26,720
Speaker 4: she's on The money socials this. Week we've Got brontie

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00:12:26,800 --> 00:12:29,200
Speaker 4: who wants us to share some tips on paid parental.

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00:12:29,240 --> 00:12:31,640
Speaker 4: Leaves she's expecting a baby in the next few months

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00:12:31,679 --> 00:12:34,200
Speaker 4: And i'm going to dish out some advice.

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00:12:34,320 --> 00:12:36,040
Speaker 3: Because with all of your, kids you'd be the, expert

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00:12:36,280 --> 00:12:37,199
Speaker 3: not a, parent.

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00:12:37,120 --> 00:12:39,760
Speaker 4: And that's exactly who parents want to hear parenting advice.

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Speaker 4: From so let's do that after the break.

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Speaker 3: Right after this On she's on The Money radio.

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Speaker 7: Show this Is she's on The Money radio show This saturday.

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Speaker 2: Morning It's she's on The Money Radio show With australia's

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00:12:50,120 --> 00:12:53,520
Speaker 2: number one finance podcast Of Victoria, Devine Mitch jury as,

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00:12:53,600 --> 00:12:56,120
Speaker 2: well and it's all thanks To Budget. Directs, well the

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00:12:56,160 --> 00:12:59,480
Speaker 2: winner Of Can, stars insurer of the year twenty twenty,

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00:12:59,520 --> 00:13:02,480
Speaker 2: Two budget Directs insurance sold what a small.

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00:13:02,520 --> 00:13:05,200
Speaker 6: Flex we're just the insurer of the yo biggie.

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Speaker 3: Neck haven't they done that for the past five?

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00:13:06,920 --> 00:13:08,959
Speaker 6: Years Though she's, like way more than five, Years but

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Speaker 6: do you?

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00:13:09,679 --> 00:13:11,640
Speaker 4: Reckon their team goes to coffee and they're, like, oh

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Speaker 4: where do you wear Cour Budget, director we're actually the

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00:13:13,720 --> 00:13:15,800
Speaker 4: insurer the year and everyone's, like, Yeah we've solved.

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00:13:15,840 --> 00:13:18,839
Speaker 1: Insurance insurance has been, like we've got solved.

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00:13:18,840 --> 00:13:21,480
Speaker 3: It, yeah so give up your. Losers, anyway it's time for.

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00:13:21,559 --> 00:13:26,160
Speaker 5: This each week we bring someone's financial story on the

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Speaker 5: air to Get victoria, to.

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00:13:28,120 --> 00:13:28,960
Speaker 1: You, know jump on your.

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00:13:28,960 --> 00:13:31,559
Speaker 5: Soapbox and that sounds like it's, unsolicited but we love

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00:13:31,600 --> 00:13:34,720
Speaker 5: When victoria gets Her chanelle shoes on that soap. Box

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00:13:34,720 --> 00:13:36,760
Speaker 5: you should see. Her she so delicately jumps up and

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00:13:36,800 --> 00:13:39,559
Speaker 5: she gives. Advice so you can hit us up. Online

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00:13:39,840 --> 00:13:42,160
Speaker 5: this is one From. Bronti bronti sent this. In she, Says, Hi,

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00:13:42,240 --> 00:13:44,840
Speaker 5: Victoria i'm pregnant And i'm having my first baby In,

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00:13:44,840 --> 00:13:48,080
Speaker 5: october AND i don't understand how paid parental leave, works

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00:13:48,320 --> 00:13:50,800
Speaker 5: and there's mixed messages on the. INTERNET i turn around

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00:13:51,120 --> 00:13:54,240
Speaker 5: an annual salary of roughly seventy five, thousand so should

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00:13:54,280 --> 00:13:56,600
Speaker 5: she just get paid her normal salary for eighteen. Weeks

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Speaker 5: she's also read that there's flexible paid parental.

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Speaker 1: Leave she'd been. Confused you can get thirty days. Off

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00:14:01,440 --> 00:14:02,040
Speaker 1: what's your, Advice?

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Speaker 4: Victoria this one is a little bit of a pickle

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00:14:04,240 --> 00:14:07,000
Speaker 4: because it actually depends on who you're employed, by where you're,

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00:14:07,000 --> 00:14:10,040
Speaker 4: employed and what your employment contract. Says so at a,

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Speaker 4: minimum paid parental leave here In australia is able to

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00:14:13,320 --> 00:14:16,920
Speaker 4: be received by working parents for eighteen weeks at minimum,

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00:14:16,960 --> 00:14:19,360
Speaker 4: Pay so like that's the base amount that you'll, get

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00:14:19,360 --> 00:14:21,400
Speaker 4: which means if you work for a small business or

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00:14:21,440 --> 00:14:25,000
Speaker 4: a company that doesn't have a different parental leave policy in,

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00:14:25,080 --> 00:14:28,000
Speaker 4: place that'll just be the, default, Right so if you

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00:14:28,040 --> 00:14:30,720
Speaker 4: decided to go have a, baby that's what you'll get

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00:14:30,760 --> 00:14:33,320
Speaker 4: at minimum. Wage it won't matter what you actually earn

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00:14:33,400 --> 00:14:35,760
Speaker 4: day to day or what's on your employment contract because

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00:14:35,760 --> 00:14:38,320
Speaker 4: it kind of defaults back to minimum wage because you're

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00:14:38,440 --> 00:14:41,160
Speaker 4: out of that. BUSINESS i love that it's eighteen. WEEKS

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00:14:41,160 --> 00:14:42,800
Speaker 4: i feel like that's a really good.

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Speaker 6: Amount of time at a.

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Speaker 4: Minimum for most months it is not enough and they

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00:14:45,960 --> 00:14:49,680
Speaker 4: want to take more, time WHICH i totally. Understand, however

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00:14:49,840 --> 00:14:52,160
Speaker 4: there are a few options that are. Available one the

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00:14:52,200 --> 00:14:55,200
Speaker 4: first THING i do is actually check your employment, contract

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00:14:55,400 --> 00:14:58,240
Speaker 4: so where you, work to see what their paid parental leave.

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00:14:58,360 --> 00:15:00,760
Speaker 4: Is i've got clients who work in government and they

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00:15:00,800 --> 00:15:04,760
Speaker 4: actually get six months full pay or twelve months off

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00:15:04,800 --> 00:15:08,680
Speaker 4: at half. Pay i've got clients that have epic parental

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Speaker 4: leave policies where it's actually twelve months of full pay.

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Speaker 4: Leave i've got clients who work for really big companies

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00:15:15,120 --> 00:15:17,080
Speaker 4: as well that have come to me and they're, like

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00:15:17,080 --> 00:15:19,240
Speaker 4: oh my, gosh Like i've got this really great, salary

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00:15:19,280 --> 00:15:21,600
Speaker 4: really big, company and then we look at their policy

379
00:15:21,640 --> 00:15:24,520
Speaker 4: and they only have the eighteen weeks of minimum pay

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00:15:24,600 --> 00:15:27,040
Speaker 4: because it's not something that THEIR hr department has.

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00:15:27,160 --> 00:15:28,320
Speaker 6: Organized SO i.

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Speaker 4: Think it's a really interesting point because it's not ever

383
00:15:31,160 --> 00:15:33,720
Speaker 4: going to be, consistent and the best thing you can

384
00:15:33,760 --> 00:15:36,320
Speaker 4: do is actually go to your employment, contract have a

385
00:15:36,360 --> 00:15:39,040
Speaker 4: look at what that, says and go from, there because

386
00:15:39,080 --> 00:15:41,360
Speaker 4: as much as the minimum, exists there might be some

387
00:15:41,440 --> 00:15:44,720
Speaker 4: bonuses that are on. Top but when it comes to,

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00:15:44,760 --> 00:15:47,960
Speaker 4: that there's also the ability to negotiate with your. Employer,

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00:15:48,080 --> 00:15:50,120
Speaker 4: Right so if you work for a company that only

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00:15:50,160 --> 00:15:52,640
Speaker 4: offers you the minimum of eighteen, weeks you can, go,

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00:15:52,680 --> 00:15:54,840
Speaker 4: LOOK i really want some more. Time is there any

392
00:15:54,880 --> 00:15:57,320
Speaker 4: way that we could, go you, know part, time OR

393
00:15:57,400 --> 00:15:59,760
Speaker 4: i could work some more hours now SO i get

394
00:15:59,760 --> 00:16:02,400
Speaker 4: some time off, later or is there the ability to

395
00:16:02,480 --> 00:16:05,040
Speaker 4: double that eighteen weeks and just have it at the half,

396
00:16:05,120 --> 00:16:08,400
Speaker 4: pay or take some time without pay at. All AND

397
00:16:08,440 --> 00:16:10,440
Speaker 4: i think that there's a way to make it. Work

398
00:16:10,480 --> 00:16:12,760
Speaker 4: you just have to have open lines of communication with

399
00:16:12,840 --> 00:16:16,360
Speaker 4: your employer about what that. Means, however AS i, said

400
00:16:16,400 --> 00:16:20,160
Speaker 4: it's different for. Everybody but sneaky thing That i've been

401
00:16:20,200 --> 00:16:22,760
Speaker 4: talking about in The shees on The money community recently

402
00:16:23,040 --> 00:16:26,520
Speaker 4: is actually about. Superranuation so you don't get paid super

403
00:16:26,560 --> 00:16:28,960
Speaker 4: on that amount of, money which means for the period

404
00:16:28,960 --> 00:16:31,360
Speaker 4: of scheme that you're out of, work you're not actually

405
00:16:31,360 --> 00:16:34,920
Speaker 4: contributing to your retirement. Savings and that doesn't put women in.

406
00:16:34,920 --> 00:16:35,840
Speaker 6: The best possible.

407
00:16:35,880 --> 00:16:39,360
Speaker 4: Position so if there's any way to negotiate with your

408
00:16:39,400 --> 00:16:42,600
Speaker 4: employer for even just that to be, included future you

409
00:16:42,800 --> 00:16:43,600
Speaker 4: is going to be in.

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00:16:43,560 --> 00:16:44,960
Speaker 6: A significantly better.

411
00:16:45,000 --> 00:16:49,080
Speaker 4: Position but there's another sneaky, tip and that's maybe have

412
00:16:49,120 --> 00:16:50,800
Speaker 4: a chat with your, partner because did you know your

413
00:16:50,800 --> 00:16:52,680
Speaker 4: partner can pay you some super to make sure you're

414
00:16:52,680 --> 00:16:56,960
Speaker 4: not behind, exactly so you. Can, yeah your partner can

415
00:16:56,960 --> 00:17:00,080
Speaker 4: actually put some cash towards your supranuation and get a

416
00:17:00,200 --> 00:17:03,600
Speaker 4: tax refund for in some. Circumstances AND i think that

417
00:17:03,600 --> 00:17:06,600
Speaker 4: that's really important to negotiate because if you're the person

418
00:17:06,640 --> 00:17:10,159
Speaker 4: that is the primary, caregiver your retirement savings shouldn't go.

419
00:17:10,200 --> 00:17:11,200
Speaker 6: Behind it's a group.

420
00:17:11,280 --> 00:17:13,439
Speaker 4: Effort we all should be on the same, page and

421
00:17:13,440 --> 00:17:15,480
Speaker 4: these are things that we need to talk about more

422
00:17:15,520 --> 00:17:16,240
Speaker 4: consistently and.

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00:17:16,320 --> 00:17:19,280
Speaker 5: Openly, wow, well my, Kiv i'm not a financial, advisor

424
00:17:19,280 --> 00:17:21,240
Speaker 5: but have twins and then everything will be. Double that's

425
00:17:21,240 --> 00:17:24,760
Speaker 5: how it, Works. Victoria, right the, more the more you,

426
00:17:24,800 --> 00:17:25,359
Speaker 5: get that's how it.

427
00:17:25,440 --> 00:17:27,520
Speaker 1: WORKS i think that. Is that's good advice for me

428
00:17:27,840 --> 00:17:28,520
Speaker 1: is stop giving.

429
00:17:28,520 --> 00:17:33,480
Speaker 2: Advice definitely great advice and always be. Practicing, hey speaking of,

430
00:17:33,600 --> 00:17:36,239
Speaker 2: sneaky those little sneaky tips that you've been. Given, there

431
00:17:36,320 --> 00:17:38,960
Speaker 2: we are going to Do Super Savis, Saturday. Victoria, Next

432
00:17:39,040 --> 00:17:42,000
Speaker 2: i'm obsessed With Super Savior. Saturday let's go your sneaky

433
00:17:42,000 --> 00:17:43,840
Speaker 2: little tips on how to keep more bucks in your

434
00:17:43,840 --> 00:17:46,120
Speaker 2: bank account that's coming up right after this On she's

435
00:17:46,160 --> 00:17:46,840
Speaker 2: on the money radio.

436
00:17:46,840 --> 00:17:50,320
Speaker 7: Show this Is she's on The money radio show.

437
00:17:50,240 --> 00:17:52,880
Speaker 2: For Your saturday morning right across the. Country It's she's

438
00:17:52,880 --> 00:17:55,520
Speaker 2: on The money radio show With australia's number one finance,

439
00:17:55,560 --> 00:18:00,600
Speaker 2: Podcaster Victoria divine mits churry as. Well it is your favorite, Time,

440
00:18:00,680 --> 00:18:02,040
Speaker 2: victoria because it's time to do.

441
00:18:01,960 --> 00:18:03,480
Speaker 3: This simper Savo.

442
00:18:03,640 --> 00:18:06,480
Speaker 2: Saturday all, Right Miss, devine it is time for you

443
00:18:06,560 --> 00:18:09,600
Speaker 2: to give our listeners some sneaky little tips on how

444
00:18:09,640 --> 00:18:11,240
Speaker 2: we can keep more bucks in our bank. Account what

445
00:18:11,320 --> 00:18:13,440
Speaker 2: do you got for us this? Week you sneaky little tip?

446
00:18:13,480 --> 00:18:14,000
Speaker 3: Giver all?

447
00:18:14,080 --> 00:18:15,720
Speaker 6: Right so tip number one is subscription.

448
00:18:15,800 --> 00:18:19,080
Speaker 4: Services and you're, Like, Victoria, Netflix i'm not getting rid of.

449
00:18:19,080 --> 00:18:20,960
Speaker 4: It stop Thinking i'm going to become a millionaire from.

450
00:18:20,960 --> 00:18:22,840
Speaker 6: This we're. Not that's not going, no, no no.

451
00:18:22,840 --> 00:18:24,800
Speaker 2: No BUT i like how she says that about our

452
00:18:24,840 --> 00:18:26,240
Speaker 2: listeners when it's really about.

453
00:18:26,280 --> 00:18:26,800
Speaker 3: Her she's.

454
00:18:26,840 --> 00:18:30,240
Speaker 4: Projecting, yes it's actually any advice on here is me

455
00:18:30,359 --> 00:18:32,359
Speaker 4: projecting my personal feelings onto you.

456
00:18:32,359 --> 00:18:34,080
Speaker 3: Guys that's, okay other, people that's WHAT i.

457
00:18:34,200 --> 00:18:36,560
Speaker 6: Do i've got enough therapy to be okay with, that

458
00:18:36,680 --> 00:18:37,120
Speaker 6: so thank.

459
00:18:37,160 --> 00:18:40,040
Speaker 4: You but it's all about subscription services and you might

460
00:18:40,080 --> 00:18:42,320
Speaker 4: be rolling your, eyes but from little. Things big things,

461
00:18:42,359 --> 00:18:44,840
Speaker 4: grow and we actually need to care about the little

462
00:18:44,880 --> 00:18:46,200
Speaker 4: things because they all add.

463
00:18:46,280 --> 00:18:46,399
Speaker 2: Up.

464
00:18:46,480 --> 00:18:49,280
Speaker 4: Right so if you aren't using a, subscription obviously the

465
00:18:49,280 --> 00:18:52,000
Speaker 4: advice there would be to cancel. It but my favorite

466
00:18:52,119 --> 00:18:54,280
Speaker 4: tip is if you're an iPhone News I'VE i told

467
00:18:54,320 --> 00:18:57,479
Speaker 4: you guys offline this yet if you're an, iPhone you

468
00:18:57,480 --> 00:18:59,520
Speaker 4: pick up your, iPhone WHICH i want you to do

469
00:18:59,720 --> 00:19:03,680
Speaker 4: lich truly right, now go to settings and in settings

470
00:19:03,720 --> 00:19:06,320
Speaker 4: you'll have Your APPLE id right up the. Top you'll

471
00:19:06,359 --> 00:19:09,359
Speaker 4: click your, name and then after that you'll click subscriptions

472
00:19:09,400 --> 00:19:11,439
Speaker 4: and it will tell you all the money you're wasting

473
00:19:11,480 --> 00:19:12,280
Speaker 4: on apps.

474
00:19:11,960 --> 00:19:14,240
Speaker 6: That you subscribe to that you're no longer.

475
00:19:14,359 --> 00:19:16,760
Speaker 4: Using so what you're going to do is scroll through

476
00:19:16,800 --> 00:19:18,399
Speaker 4: that and have a look at all of the apps

477
00:19:18,400 --> 00:19:20,760
Speaker 4: that you're paying for that you might be able to

478
00:19:20,760 --> 00:19:22,600
Speaker 4: cancel and save a few dollars.

479
00:19:22,280 --> 00:19:25,000
Speaker 5: Of DO i Need Jenny Craig plus And Wait Watches?

480
00:19:25,040 --> 00:19:26,919
Speaker 5: PREMIUM i probably could get rid of those Good, NIGHT.

481
00:19:26,800 --> 00:19:27,520
Speaker 6: I don't think you need.

482
00:19:27,520 --> 00:19:30,600
Speaker 2: Them, well what about me Learning french From babbel Since

483
00:19:30,680 --> 00:19:31,440
Speaker 2: november last?

484
00:19:31,480 --> 00:19:32,680
Speaker 3: Year how's that been?

485
00:19:32,720 --> 00:19:34,000
Speaker 6: Going what's that testing?

486
00:19:34,080 --> 00:19:40,200
Speaker 3: YOU i think that Means i'm not? Sure, now every

487
00:19:40,280 --> 00:19:40,760
Speaker 3: long way.

488
00:19:40,960 --> 00:19:45,160
Speaker 4: Babbel, YEAH i am just opened mind BECAUSE i don't

489
00:19:45,200 --> 00:19:46,240
Speaker 4: actually take my own.

490
00:19:46,280 --> 00:19:47,600
Speaker 6: ADVICE i just know it's good.

491
00:19:47,600 --> 00:19:50,720
Speaker 4: Advice AND i realized THAT i have been playing a

492
00:19:50,800 --> 00:19:54,280
Speaker 4: dollar forty nine For splice The Video editor BECAUSE i

493
00:19:54,280 --> 00:19:57,080
Speaker 4: thought at some Point i'd become better at making tiktoks

494
00:19:57,119 --> 00:19:57,800
Speaker 4: and reels and.

495
00:19:57,840 --> 00:20:00,520
Speaker 3: Stuff business expense though Well i'm.

496
00:20:00,400 --> 00:20:02,760
Speaker 6: Not even claiming it BECAUSE i didn't even THOUGHT.

497
00:20:02,640 --> 00:20:06,240
Speaker 5: I was Paid tinder premium in a relationship for Four

498
00:20:06,280 --> 00:20:09,840
Speaker 5: your boyfriend feel about that.

499
00:20:10,359 --> 00:20:14,600
Speaker 6: Before he actually calls as. Well moving, On tip number

500
00:20:14,600 --> 00:20:16,040
Speaker 6: two is consider cost per.

501
00:20:16,080 --> 00:20:18,320
Speaker 4: Wear so this is me being a little bit self,

502
00:20:18,400 --> 00:20:21,000
Speaker 4: indulgent and we need to check our privilege here as,

503
00:20:21,040 --> 00:20:22,719
Speaker 4: well because not all of us are in the position

504
00:20:22,720 --> 00:20:24,840
Speaker 4: where we, go oh, WOW i wear a winter coat a.

505
00:20:24,880 --> 00:20:25,920
Speaker 6: Lot i'm going to go buy a.

506
00:20:25,880 --> 00:20:28,840
Speaker 4: Really expensive one because it brings down cost per. Wear

507
00:20:29,040 --> 00:20:31,680
Speaker 4: but for every clothing purchase that you, MAKE i want

508
00:20:31,720 --> 00:20:34,400
Speaker 4: you to ask how often That i'm actually gonna wear?

509
00:20:34,440 --> 00:20:36,680
Speaker 4: This so we want to consider our cost per wear

510
00:20:36,720 --> 00:20:38,280
Speaker 4: because if you're just going to wear it for one

511
00:20:38,320 --> 00:20:41,000
Speaker 4: weekend out which women are particularly good.

512
00:20:41,040 --> 00:20:42,679
Speaker 6: AT i say that BECAUSE i am.

513
00:20:42,600 --> 00:20:44,280
Speaker 4: Often the first to, go oh my, Gosh i've got

514
00:20:44,320 --> 00:20:46,200
Speaker 4: this party On saturday, night going out with a few.

515
00:20:46,200 --> 00:20:48,359
Speaker 4: GIRLFRIENDS i really want a new dress for. It but

516
00:20:48,400 --> 00:20:50,560
Speaker 4: we need to check ourselves and go do we actually need,

517
00:20:50,600 --> 00:20:52,119
Speaker 4: that or IF i got SOMETHING i could wear or

518
00:20:52,160 --> 00:20:55,640
Speaker 4: SOMETHING i could borrow from a. Friend and something ELSE

519
00:20:55,680 --> 00:20:58,480
Speaker 4: i think is really fun to do is up Shopping, MELBOURNE.

520
00:20:58,480 --> 00:21:01,240
Speaker 4: Cbd we live where he the rich people. Live they

521
00:21:01,240 --> 00:21:04,040
Speaker 4: give away their stuff all the. Time go down to

522
00:21:04,080 --> 00:21:06,840
Speaker 4: a wealthy little up shop and pick up some, bargains

523
00:21:06,840 --> 00:21:09,239
Speaker 4: and then you can always donate them when you're done with,

524
00:21:09,280 --> 00:21:11,719
Speaker 4: them so the circle of life keeps going on and.

525
00:21:11,760 --> 00:21:14,840
Speaker 2: On so don't go down to The frankston op, shops

526
00:21:14,880 --> 00:21:15,440
Speaker 2: is what you're trying to.

527
00:21:15,480 --> 00:21:17,680
Speaker 4: Say, OH i, MEAN i don't know what they've got.

528
00:21:17,720 --> 00:21:20,160
Speaker 4: There they might have some good. Stuff you never.

529
00:21:20,080 --> 00:21:20,760
Speaker 3: Know that's.

530
00:21:20,800 --> 00:21:23,280
Speaker 2: True one THING i do know is that's all we've

531
00:21:23,280 --> 00:21:24,880
Speaker 2: got time for for this. Week she's on The Money

532
00:21:24,960 --> 00:21:28,400
Speaker 2: radio show Because Mitch, tury you've got to get out

533
00:21:28,400 --> 00:21:30,959
Speaker 2: of here to go and do your favorite show with

534
00:21:31,000 --> 00:21:31,760
Speaker 2: your favorite.

535
00:21:32,040 --> 00:21:34,280
Speaker 3: People every.

536
00:21:34,359 --> 00:21:36,520
Speaker 1: Week there's been a lot of projecting this.

537
00:21:36,600 --> 00:21:40,200
Speaker 5: Week, Listen tom And, veronica you are kill of my closest,

538
00:21:40,200 --> 00:21:43,600
Speaker 5: friends AND i adore both of, you AND i just

539
00:21:43,640 --> 00:21:44,000
Speaker 5: want you.

540
00:21:43,960 --> 00:21:45,200
Speaker 1: To know THAT i will right thank.

541
00:21:45,240 --> 00:21:48,200
Speaker 4: You but do you remember being invited to his? Holiday,

542
00:21:48,400 --> 00:21:50,560
Speaker 4: no they all went on holiday. Together we weren't.

543
00:21:50,600 --> 00:21:51,240
Speaker 3: There, well let's go.

544
00:21:51,280 --> 00:21:53,919
Speaker 1: On that came out of. Me you would not have

545
00:21:53,960 --> 00:21:55,960
Speaker 1: wanted to be within a square meter of.

546
00:21:56,000 --> 00:21:57,440
Speaker 4: Me well it makes sense that you don't need The

547
00:21:57,480 --> 00:21:58,840
Speaker 4: Jenny craig, gap, then doesn't it?

548
00:21:58,880 --> 00:21:58,960
Speaker 5: All?

549
00:21:59,040 --> 00:22:00,280
Speaker 3: Right week?

550
00:22:00,280 --> 00:22:03,639
Speaker 2: Again this is starting to get, vicious so we'll be

551
00:22:03,680 --> 00:22:06,320
Speaker 2: back next week for. Everything make sure you check our

552
00:22:06,320 --> 00:22:09,480
Speaker 2: socials just Search she's on The, money The life On

553
00:22:09,600 --> 00:22:12,080
Speaker 2: cut radio show With laura what's her? Name?

554
00:22:12,119 --> 00:22:14,080
Speaker 3: Again And Brits Who Sorry.

555
00:22:16,560 --> 00:22:18,399
Speaker 1: Britt hockley And Laura Burn that.

556
00:22:20,560 --> 00:22:24,360
Speaker 2: Is coming up next with their Buddy see you next.

557
00:22:24,400 --> 00:22:24,600
Speaker 1: Week