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

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Speaker 1: Order Kerni Whoalbury and a waddery woman. And before we

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

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

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

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

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

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

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Speaker 1: and lasting impactful tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 4: millennials who want financial freedom. Welcome back to another one

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Speaker 4: of our money daries, where I get the absolute pleasure

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Speaker 4: of sitting down and talking to one of our She's

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Speaker 4: on the Money community members all about the nitty gritty

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Speaker 4: of their money story. Let's jump straight into it, because

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Speaker 4: this week I got an email and it sounded exactly

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Speaker 4: like this, Dear She's on the Money. My money journey

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Speaker 4: definitely has had its ups and downs. I started working

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Speaker 4: for my parents at just six years old and eventually

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Speaker 4: spent eighteen years in hospitality. Along the way, I inherited

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Speaker 4: some bad money habits from my parents and went through

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Speaker 4: two financial separations that really set me back. Despite all

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Speaker 4: of this, I've managed to turn things around. I now

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Speaker 4: work in a government job and have just landed a promotion.

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Speaker 4: I own three investment properties and a small cafe in

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Speaker 4: a regional town. At forty four years old, I'm finally

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Speaker 4: focused on setting up for retirement. I wish I'd had

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Speaker 4: the financial guidance She's on the Money office when I

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Speaker 4: was younger. It would have made a really big difference.

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Speaker 4: But I've learned that no matter where you are in

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Speaker 4: your journey, it's never too late to start fresh, and

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Speaker 4: you can do it all on your own money. Diarist,

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Speaker 4: this sounds like such an exciting and inspiring story. Why'd

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Speaker 4: you write in? Like did someone push you? Or you

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Speaker 4: Like I've been part of She's on the Money and

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Speaker 4: I just know that this is a good story, Like

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Speaker 4: how did you end up in our dms?

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Speaker 2: Just because I've been listening to She's on the Money

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Speaker 2: and I wish the advice and everything was around when

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Speaker 2: I was younger, and to just give people perspective that

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Speaker 2: you know it can turn it around, even if you

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Speaker 2: have a little rollercoaster rides and a few speed humps.

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Speaker 4: I love it. You're a business owner, your own investment properties.

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Speaker 4: You've been through two financial separations after that. Some people

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Speaker 4: would have been like, you know, what's never going to

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Speaker 4: happen for me, and bury their heads in the sand

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Speaker 4: and never think about finance and basically bury themselves. But

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Speaker 4: you didn't do that. You have turned it around. Before

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Speaker 4: we jump into it, can you tell me what would

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Speaker 4: you grade your money habits If I asked you to

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Speaker 4: give them a grade from A through to F.

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Speaker 2: I'll probably give themselves about a B plus, just purely

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Speaker 2: because of where I've come from. But I always see

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Speaker 2: that there's a room for improvement in anything.

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Speaker 4: All right, well, can you tell me a little bit

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Speaker 4: more about your money story. Let's dive into it together.

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Speaker 2: So, as I said, started working from my parents at

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Speaker 2: six when I was in a cleaning business. Didn't get

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Speaker 2: paid obviously at six years old.

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Speaker 4: Literal child slave labor. I like it.

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Speaker 2: It's not parents. Why you have children?

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Speaker 4: I don't But okay, I don't know how Harvey's going

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Speaker 4: to get involved in the podcast. But when there is

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Speaker 4: a will, there is a way yep.

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Speaker 2: And then got my first job fourteen and nine months

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Speaker 2: and then started in hospitality and spent the next eighteen

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Speaker 2: years in hospitality, having my own businesses, did a business degree,

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Speaker 2: and then midlife came and thought I'd try my hand

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Speaker 2: at another job and dived into a government job and

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Speaker 2: that was when I went through my first financial separation.

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Speaker 2: So at that point in time, had two properties and

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Speaker 2: so got one each, took on the dead each and

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Speaker 2: went our separate ways. Got my government based job and

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Speaker 2: then was city base, and then I got the chance

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Speaker 2: to go regional and it was a money financial move

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Speaker 2: because I got my house included in my package and

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Speaker 2: it was a lot of on call as well, so

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Speaker 2: I get the overtime. So it gave me the opportunity

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Speaker 2: to get saving again. And a year into my regional post,

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Speaker 2: I back to buying another property nearby in regional a coonique. Yeah,

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Speaker 2: so I got a little property and that's rented out

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Speaker 2: and then started another relationship siller enough and went into

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Speaker 2: the property game. I've always been property minded in terms

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Speaker 2: of you got to have the physical asset. That's what

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Speaker 2: I was taught when I was a kid. Bricks and mortar.

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Speaker 2: Put your money into the bricks and mortar kind of thing.

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Speaker 2: Everything tangible that you can see. So then got into

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Speaker 2: and bought another house with that partner that's now dissolved

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Speaker 2: and we're just going through financial separation now. So we

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Speaker 2: bought an investment property there and was renting that out.

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Speaker 2: Still renting it out now, but sittlement should happen in

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Speaker 2: the next couple of weeks.

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Speaker 4: And then so have you sold it to somebody else

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Speaker 4: or is this one of you bought? Yeah, okay, perfect, Yeah.

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Speaker 2: So they're buying me out. I'll get half the value

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Speaker 2: of that back. And funny enough, today mar I forgot

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Speaker 2: accepted on a property here.

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Speaker 4: I am really congratulations. How exciting is that?

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Speaker 2: Yeah? So that's my next next morku is I'll move

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Speaker 2: into that because with my promotion, I'll lose my house.

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Speaker 4: Yeah, okay, all right, I mean promoted house loss. You

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Speaker 4: win some, you lose some, don't you.

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Speaker 2: Yeah, you got to take it win again.

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Speaker 4: I love it. So tell me a little bit more.

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Speaker 4: What made you go?

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Speaker 2: All right?

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Speaker 4: I want to get out of hospo. Eighteen years in

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Speaker 4: hospo is an innings like what made you go? I

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Speaker 4: want to absolutely do a one eighty and have a

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Speaker 4: completely different career. Was it finance, was it value?

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Speaker 2: Was it? You know?

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Speaker 4: Where were we at? Mentally?

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Speaker 2: It was kind of a everyone's always right. You've always

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Speaker 2: got to have on the happy face and be there

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Speaker 2: and the shift work constantly. Even though I've gone back

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Speaker 2: into chiftwork again, it's a little bit different in this

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Speaker 2: job that I don't have to be there at the

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Speaker 2: beck and call of everyone and you know, split shifts

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Speaker 2: and not making the money for myself in the end

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Speaker 2: because I didn't known the last businesses that I worked in.

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Speaker 2: So hospitality can be quite a low paying job unless

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Speaker 2: you own the premises and you manage it and run

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Speaker 2: it yourself.

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Speaker 4: Like that, especially for a career.

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Speaker 2: Yeah, one hundred percent. Yeah. Yeah. So I started in hotels,

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Speaker 2: Yeah cool. Yeah, got out and did the jump and

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Speaker 2: thought if it works in this new job, then great,

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Speaker 2: If it doesn't, like you can always get back to hospitality.

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Speaker 4: I love that. I feel like that's always been my

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Speaker 4: mentality as well. Like I spent years in hospitality, like

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Speaker 4: ten years, and then did like three different hospital jobs

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Speaker 4: while I was at UNI, and do you know what,

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Speaker 4: I adored it, but it's so physically demanding as well,

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Speaker 4: because you're on your feet twenty four seven, whether you're

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Speaker 4: like waiting tables or doing coffee or doing something. You're

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Speaker 4: always running around. And I always think, if it doesn't

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Speaker 4: work out, like I was really good at that, I

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Speaker 4: can go back to hospit. Like I feel like Hospo's

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Speaker 4: a bit of a family as well.

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Speaker 2: You can always get job.

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Speaker 4: Yeah, it's ten out of ten. So let's dive a

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Speaker 4: little bit further into it right now. I know you

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Speaker 4: work a government job. Tell me what do you do

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Speaker 4: for work? How much money do you earn?

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Speaker 2: So I'm a police officer currently send you comfortable and

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Speaker 2: getting promoted to a sergeant?

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Speaker 4: Oh that's so fancy.

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Speaker 2: So last year I took home one hundred and thirty

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Speaker 2: thousand plus super.

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Speaker 4: Oh very nice. How did you get into being a

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Speaker 4: police officer?

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Speaker 1: Like?

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Speaker 4: How do you go?

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Speaker 2: All?

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Speaker 4: Right? HOSPO? I hate the customer is always right? I

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Speaker 4: want to now be a cop? Like what does that

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Speaker 4: career progression look like?

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Speaker 2: There's something I always wanted to do when I was younger,

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Speaker 2: but I didn't think I had the life experience to

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Speaker 2: be able to do that job, Like to go into

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Speaker 2: someone's house in their forties and tell them how to

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Speaker 2: run their life. And you've got a twenty year old

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Speaker 2: coming in to do that or to you know, console

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Speaker 2: you when someone's passed away. It's just I didn't have

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Speaker 2: the life experience. Really.

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Speaker 4: Yeah.

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Speaker 2: When I was running a cafe where I was, I

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Speaker 2: met a couple of boys at the play officers and

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Speaker 2: we started training together doing CrossFit and they were like, nah,

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Speaker 2: you'll be fine, Like boost your confidence a little bit

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Speaker 2: and give it a go. You'll be fine at it.

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Speaker 2: And I'm like, you know what, what have we got

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Speaker 2: to lose?

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Speaker 4: Exactly? What did you have to lose? Literally nothing? Because

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Speaker 4: now you're a sergeant. Yes, isn't that cool? So you've

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Speaker 4: worked your way up I'm assuming relatively quickly, given it

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Speaker 4: was a complete career change. What does that average day

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Speaker 4: in the life look like when you're a cop.

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Speaker 2: Well, a lot of them now are in the early

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Speaker 2: twenties that are coming through now. There is a big division.

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Speaker 2: There's a lot of guys that are that are my vintage,

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Speaker 2: but they've been doing it for twenty odd years, whereas

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Speaker 2: I've only been doing it for coming up on nine years. Yeah,

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Speaker 2: so most cops kind of dissipate at nine or ten

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Speaker 2: years and leave the job at the moment.

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Speaker 4: Because it is mentally taxing doing that job like that,

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Speaker 4: that's a very big mental load. What does an average

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Speaker 4: day for you look like?

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Speaker 2: So? Yeah, car accidents, domestics, mental health is huge portion

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Speaker 2: of it. Your neighbor disputes your car, park brains, and

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Speaker 2: then just community policing because I'm in a regional area

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Speaker 2: and a small town of six hundred people. It's just

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Speaker 2: making yourself available to them and making sure that they

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Speaker 2: can see you visibly and they know you're around and

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Speaker 2: you're approachable, and you get involved with the things they

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Speaker 2: do around town.

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Speaker 4: Yeah. How cool? And do you get a lot of

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Speaker 4: fulfillment out of the job. While you're talking about it,

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Speaker 4: I can see that you like look quite proud of

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Speaker 4: what you're doing. Is is that right? Am I reading

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Speaker 4: this room correctly?

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Speaker 2: Yeah? One hundred percent. I love my job now, Yeah,

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Speaker 2: it's really good. So, I mean, the small town that

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Speaker 2: I'm in is great.

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Speaker 4: I love when people love their jobs.

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Speaker 2: This makes it easy to go to work every day.

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Speaker 4: Oh totally. So tell me a little bit more. You

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Speaker 4: still own a cafe, so you're a cop during the

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Speaker 4: day and then at night or in the morning, you're

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Speaker 4: running a cat. Like, how does all of that fit together,

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Speaker 4: because like, you're not just a cop, you're a business

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Speaker 4: owner as well.

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Speaker 2: Yeah, so I just prior to this, I just opened

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Speaker 2: the cafe. We close up one o'clo. So it's in

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Speaker 2: the town that I'm in, so it's a small regional town,

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Speaker 2: and they just didn't have anything here. There was nothing

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Speaker 2: during the week to get a coffee or get a

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Speaker 2: toasted sandwich or anything. So a girlfriend and I another

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Speaker 2: police officer around the area, decided, let's give this a go.

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Speaker 2: And we started just in a little mobile van in

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Speaker 2: a park and now we're in a little permanent premises.

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Speaker 2: We're open seven days a week and we hire three

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Speaker 2: girls from town, so we try not to work in

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Speaker 2: it much. I make all the pies and sausage rolls

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Speaker 2: and things.

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Speaker 4: Oh so you're giving back to the local community in

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Speaker 4: more ways than one here.

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Speaker 2: Yeah, it's kind of become the mental health hub of

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Speaker 2: the community because they don't have to go to the

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Speaker 2: pub and have their chats. They come off their properties

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Speaker 2: into town because we have to come into town to

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Speaker 2: get our mail, so most people come into town and

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Speaker 2: we're opposite the post office, so they come in and

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Speaker 2: grab their coffee, grab their mail, have a chat with everyone.

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Speaker 2: And we opened in the middle of COVID, so it

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Speaker 2: became everyone's hour of social interaction.

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Speaker 4: Oh that's so sweet. I love this, and I love

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Speaker 4: that you are kind of driving this, like protecting the

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Speaker 4: local community but then also fostering literal community within the community.

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Speaker 4: You must be one popular lady around town. I'm like,

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Speaker 4: I just know for sure you are. Tell me a

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Speaker 4: bit more. You've got some big money goals. What are they?

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Speaker 2: So obviously because of this promotional isma house, I'd like

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Speaker 2: to have my own one that I actually live in

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Speaker 2: this time instead of an investment property. I haven't had

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Speaker 2: a one that I've lived in for over ten years

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Speaker 2: now that I've been paying my own mortgage, So I'd

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Speaker 2: like to smash that down and get it paid relatively quickly,

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Speaker 2: and then keep adding to my super to get that

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Speaker 2: topped up ready to hopefully retire in my fifties.

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Speaker 4: Retiring in your fifties is the dream. So you mentioned

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Speaker 4: that you've been through two financial separations. When those happened,

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Speaker 4: did superannuation come into the conversation or was it just

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Speaker 4: like the property stuff. For what did that look like?

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Speaker 2: Yeah, it was the property stuff and the cars and

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Speaker 2: the fun toys, the boats and the caravan kind of thing.

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Speaker 2: Both occasions said no to touching super and no to

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Speaker 2: touching each other's businesses, which were the big part of

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Speaker 2: our lives.

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Speaker 4: Yes, smart, that's relatively respectful. It doesn't often happen that way.

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Speaker 2: No, No, not at all. And because there was no

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Speaker 2: children involved, so it wasn't luck there was a separation

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Speaker 2: of the custody issue and everything like that, and who's

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Speaker 2: got to look after them? It was the dog and

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Speaker 2: that was it.

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Speaker 4: Yeah, there would have been a big fight for me

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Speaker 4: over the dog, let's be honest, there was. But absolutely

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Speaker 4: that dog is mine.

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Speaker 2: I've got my own baby now, so I'm quite content.

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Speaker 4: I love that. All right, let's go to a really

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Speaker 4: quick break on the flip side. I want to know

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Speaker 4: more about these investment properties that you've built up. We're

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Speaker 4: going to talk dead and I want to know the

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Speaker 4: best and worst money habits that a cop has, So

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Speaker 4: don't go anywhere money diarist. We are back, and you

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Speaker 4: have three investment properties, you own your own cafe, and

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Speaker 4: you have a full time job. Tell me more about

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Speaker 4: these investment properties and whether you invest in other areas.

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Speaker 4: I'm assuming no because you said that you like earlier

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Speaker 4: investing in physical things, like you really like the bricks.

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Speaker 2: And wat Yeah. So I bought first bloc land when

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Speaker 2: I was twenty two and build a house on that

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Speaker 2: with my first partner, and I've still got that house.

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Speaker 2: I kept that in the separation, so that is valued.

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Speaker 2: It'd a value the other day one point one. Oh okay,

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Speaker 2: the dead on that's four ninety eight and it's rented

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Speaker 2: for nine twenty a week.

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Speaker 4: Okay, so in my head, the quick maths tells me

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Speaker 4: that that rent actually covers the mortgage. Is that correct?

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Speaker 2: Yes, that's correct.

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Speaker 4: Oh very nice. I like that. Tell me about the

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Speaker 4: second property, second.

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Speaker 2: One, I bought four two fifty, but it's now m

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Speaker 2: valued at four forty. The mortgage on it's two seventy

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Speaker 2: five because I did some reno's and that's rented at

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Speaker 2: three fifty a week.

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Speaker 4: Okay, all right, that's pretty good. So you're tipping a

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Speaker 4: bit of cash into that one, but it probably evens

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Speaker 4: out with the first property.

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Speaker 2: Yeah pretty much. Yeah?

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Speaker 4: Cool? Cool. Number three and.

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Speaker 2: Number three is the one that I'm about to we're

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Speaker 2: about to split and separate. That one is valued at

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Speaker 2: three twenty five there's no mortgage on that, and the

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Speaker 2: rent that we get is four fifty a week.

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Speaker 4: Oh okay, that's really nice. But you're being bought out,

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Speaker 4: so you're going to get half of that. So you

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Speaker 4: get what one one fifty one sixty.

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Speaker 2: Yeah, one sixty two and a half yeah.

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Speaker 4: Yeah, okay. And then you just said earlier that you've

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Speaker 4: just been accepted on another property. What does that look like?

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Speaker 2: So that's four hundred and thirty thousand. So I'm just

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Speaker 2: working with my broker at the moment as to what

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Speaker 2: we do in terms of the loan situation.

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Speaker 4: And are you sitting on any cash for that or

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Speaker 4: are you expecting to use the sale of the three

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Speaker 4: twenty five k property to kind of fund that.

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Speaker 2: Bit of both. I've got thirty five thousand in savings

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Speaker 2: sitting there.

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Speaker 4: Okay, very nice.

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Speaker 2: Might use that, but we'll see how we go.

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Speaker 4: Yeah, very cool. And you have this business, what kind

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Speaker 4: of I guess debt exists in a business? Like, what

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Speaker 4: type of investment was necessary? What does that look like?

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Speaker 2: So we both put in five hundred dollars each.

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Speaker 4: To start only five hundred dollars each yep, like a

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Speaker 4: week a month in total.

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Speaker 2: No, No, that was in total to start it up.

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Speaker 2: My gosh, there's no debt for the business. Last year

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Speaker 2: it took one hundred and seventy five thousand in turnover. Yeah,

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Speaker 2: very cool, and twenty thousand in profit.

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Speaker 4: Yeah, very cool. Do you know what in the first

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Speaker 4: year even having any profit is very impressive.

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Speaker 2: Yeah, it's done pretty well. I'm very surprised at how

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Speaker 2: it went to.

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Speaker 4: Be honest, I love that. But also I know you're

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Speaker 4: saying you're surprised, but are you Your community didn't have

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Speaker 4: that hub and now it does and people come around that, like,

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Speaker 4: I just think that that makes so much sense.

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Speaker 2: It's been great support from the community. So we're just

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Speaker 2: expanding now to We've bought a van like a trailer

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Speaker 2: to go on the back of my ute to expand

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Speaker 2: into the mobile area again.

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Speaker 4: Oh how good. So with that, will you do events

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Speaker 4: and stuff like that or are you going to I

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Speaker 4: don't know what's the plan.

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Speaker 2: Well, there's a lot of paddic weddings out here, so

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Speaker 2: we do a lot of the corning after yes, so smart.

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Speaker 2: You know, the sporting tournaments and things like that around

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Speaker 2: each little regional area and festivals that they have. So

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Speaker 2: we just pick and choose the days that we're going

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Speaker 2: to do it, and we request those days to have

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Speaker 2: off police work to be able to take that out.

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Speaker 4: I love that you've found a way to make it

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Speaker 4: work altogether. Like that is not what I expected in

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Speaker 4: my head. And I know that being in the police

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Speaker 4: force is a super demanding job. I just assumed that

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Speaker 4: having another job as a police person would be really challenging.

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Speaker 4: And I'm sure that you make it work. But was

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Speaker 4: that something that you had to put forward to them

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Speaker 4: and be like, this is the type of business I

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Speaker 4: want to run. Is that okay with you guys, because

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Speaker 4: I'm assuming there'd be some rules around that.

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Speaker 2: Yeah. Absolutely. I had to go through secondary employment applications

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Speaker 2: and put down everything that I was going to do

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Speaker 2: and make sure there's no conflict of interest in relation

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Speaker 2: to it. And I think it bridge the gap between

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Speaker 2: the police and the community out here anyway, to be

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Speaker 2: able to see that where you know, we're normal human beings.

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Speaker 2: But most police officers have a little side hustle really, yeah,

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Speaker 2: because you do twelve hour shifts and you have four

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Speaker 2: twelve hour shifts and then you get three or four

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Speaker 2: days off. You've got time to do stuff. So out here,

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Speaker 2: it's a lot of people have farms, so they do

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Speaker 2: their farm, sell the cattle and cheap. A lot of

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Speaker 2: other guys are tradees, so they have the little handyman

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Speaker 2: job or their landscaping job on the weekends and just

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Speaker 2: work it around that.

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Speaker 4: That's so cool. So you're telling me that police people

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Speaker 4: are literally the ultimate hustlers they can. I love this.

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Speaker 4: So earlier you mentioned that you really like buying bricks

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Speaker 4: and mortar, and I mean, you've proven that you have

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Speaker 4: literally three investment properties at this point in time, and

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Speaker 4: I'm sure that there are more to come. What about

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Speaker 4: other types of investment? Is that something that you're interested

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Speaker 4: in or you're like not, the property is for me,

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Speaker 4: and clearly it's working.

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Speaker 2: No, I've started because of she's on the money looking

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Speaker 2: at shares and investing that way. So I've downloaded chasies,

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Speaker 2: got my ten dollars, congrats, put one hundred in.

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Speaker 4: How good? Wait, so you downloaded it, got free ten

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Speaker 4: bucks and then you're like, I'm going to put one

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Speaker 4: hundred dollars into this. So you are a shared investor.

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Speaker 4: I love this.

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Speaker 2: Now I've set up just an automatic transfer every payday

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Speaker 2: to put one hundred dollars to start off with every

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Speaker 2: fortnight and see how it goes from there.

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Speaker 4: I love that. And is there like a bigger plan

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Speaker 4: with that? Like, is you want an investment portfolio or

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Speaker 4: are you just playing with it at the moment, playing.

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Speaker 2: With it and learning? I'd say, because I don't really

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Speaker 2: have much education in that space, so I'm kind of

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Speaker 2: just playing and tinkering and seeing what I can do

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Speaker 2: and how it works and kind of get my head

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Speaker 2: around it.

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Speaker 4: Yeah, that is so exciting. Tell me a bit more

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Speaker 4: about debt. So you obviously have some mortgages, your first

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Speaker 4: mortgages covering itself. The second is you're tipping a bit

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Speaker 4: of cash into that each month, which is fine. The

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Speaker 4: third one you're currently working out with your broker. Do

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Speaker 4: you have any other debts outside of the property.

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Speaker 5: No?

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Speaker 4: Nothing, Well, very fancy. I love to see it. I

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Speaker 4: feel like you've probably had some really good money habits.

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Speaker 4: The fact that you have been through two financial separations

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Speaker 4: and managed to along the way have your own businesses

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Speaker 4: and now you currently have a cafe with your friend.

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Speaker 4: You are currently owning three properties, like, that's not usually

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Speaker 4: what you see from people who have been through two

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Speaker 4: financial separations. Tell me about your best money habit, What

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Speaker 4: do you reckon?

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Speaker 2: That is probably budgeting knowing what's coming in and out

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Speaker 2: of my bank account so every fortnight you get your

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Speaker 2: pay and you know where it's going, and then putting

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Speaker 2: the money into the mortgages when I can, when I

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Speaker 2: know there's a bit left over, and knowing that you

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Speaker 2: know you've got your rejo coming up, so throw that

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Speaker 2: money aside and make sure that it's there.

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Speaker 4: I love that, and I'm not surprised. I was like,

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Speaker 4: you have to be good at budgeting to have one

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Speaker 4: staged so on track, but to have achieved what you've achieved.

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Speaker 4: On the flip side, is there something when it money

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Speaker 4: that you're not so good at? What do you think

436
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Speaker 4: is your worst money?

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Speaker 2: You have it splurging on things like massages and nails

438
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Speaker 2: too often because I work very hard, and I'll go

439
00:20:10,600 --> 00:20:13,840
Speaker 2: to the city or whatever and or a bigger town

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00:20:13,880 --> 00:20:16,200
Speaker 2: and I'm like, ah, I've earnt this, I'll just have

441
00:20:16,280 --> 00:20:17,880
Speaker 2: a sneaky hour massage.

442
00:20:19,080 --> 00:20:22,480
Speaker 4: You absolutely have, though, Like you work hard and you

443
00:20:22,560 --> 00:20:25,960
Speaker 4: earn good money and I'm always talking about enjoying the journey,

444
00:20:26,400 --> 00:20:28,720
Speaker 4: Like who doesn't love a massage?

445
00:20:28,960 --> 00:20:32,439
Speaker 2: Yeah, So just little things like that, just probably not

446
00:20:32,480 --> 00:20:36,199
Speaker 2: so often. And the set and forget situation with like

447
00:20:36,280 --> 00:20:40,040
Speaker 2: insurances and stuff. Once it's set, like I should be

448
00:20:40,080 --> 00:20:42,040
Speaker 2: researching it every year. That's one of my goals for

449
00:20:42,080 --> 00:20:44,200
Speaker 2: the year is to, you know, when they come up

450
00:20:44,240 --> 00:20:47,120
Speaker 2: time for the policy to be renewed, actually sit down

451
00:20:47,119 --> 00:20:49,000
Speaker 2: and take the time to have a bit of research

452
00:20:49,000 --> 00:20:51,080
Speaker 2: and see if there's a better product out there instead

453
00:20:51,080 --> 00:20:52,320
Speaker 2: of just letting it roll over.

454
00:20:52,640 --> 00:20:55,800
Speaker 4: I just did that with my car insurance, and honestly,

455
00:20:56,080 --> 00:20:58,720
Speaker 4: the year before I just assumed, Okay, it's going to

456
00:20:58,720 --> 00:21:00,920
Speaker 4: be exactly the same, or like, I'm not going to

457
00:21:01,000 --> 00:21:02,760
Speaker 4: worry about it, even though on the podcast I'm always

458
00:21:02,760 --> 00:21:05,119
Speaker 4: telling people like check it's kind of like how the

459
00:21:05,119 --> 00:21:08,320
Speaker 4: plumber always has a leaky tap. And I actually this

460
00:21:08,440 --> 00:21:10,439
Speaker 4: year when it came through, I checked it and I

461
00:21:10,560 --> 00:21:12,879
Speaker 4: changed it and I saved myself like six hundred bucks

462
00:21:12,920 --> 00:21:15,480
Speaker 4: on car insurance. And now I'm kicking myself that I

463
00:21:15,480 --> 00:21:16,440
Speaker 4: didn't do it last year.

464
00:21:16,520 --> 00:21:18,359
Speaker 2: Yeah, but you did it anyway.

465
00:21:18,119 --> 00:21:20,399
Speaker 4: Yeah so silly, but yes, I'm glad I did it.

466
00:21:20,440 --> 00:21:22,760
Speaker 4: But I'm also like, m do as I say, not

467
00:21:22,840 --> 00:21:26,359
Speaker 4: as I do, kind of vibes money darist. At the start,

468
00:21:26,359 --> 00:21:27,959
Speaker 4: you said I'm a B plus, but then you went

469
00:21:28,000 --> 00:21:30,080
Speaker 4: on to tell me so many cool things about you,

470
00:21:30,560 --> 00:21:32,600
Speaker 4: and I just I don't know, is a B plus

471
00:21:32,640 --> 00:21:36,200
Speaker 4: genuinely reflective? What would it take for you to get

472
00:21:36,240 --> 00:21:38,080
Speaker 4: to an A plus? What would that look like?

473
00:21:38,359 --> 00:21:38,560
Speaker 5: Oh?

474
00:21:38,600 --> 00:21:40,679
Speaker 2: I just think there's always room for improvement. You can

475
00:21:40,720 --> 00:21:43,520
Speaker 2: always do things a little bit better. So I guess

476
00:21:44,160 --> 00:21:46,640
Speaker 2: getting this house and actually living in it and smashing

477
00:21:46,680 --> 00:21:48,960
Speaker 2: down that mortgage would be good, and not going through

478
00:21:48,960 --> 00:21:51,080
Speaker 2: a financial separation and another one would be great.

479
00:21:52,320 --> 00:21:57,440
Speaker 4: Yeah, but I feel like you can't avoid that, And like, ah,

480
00:21:57,560 --> 00:21:58,800
Speaker 4: I don't know what are you going to do? Never

481
00:21:58,840 --> 00:22:02,040
Speaker 4: love again? That's not a good plan. That sucks, No,

482
00:22:02,720 --> 00:22:03,760
Speaker 4: that absolutely sucks.

483
00:22:03,840 --> 00:22:06,719
Speaker 2: Just maybe not buy property again with that person for

484
00:22:06,760 --> 00:22:07,159
Speaker 2: a while.

485
00:22:07,359 --> 00:22:09,320
Speaker 4: Yeah, Yeah, I feel like maybe we could just be

486
00:22:09,359 --> 00:22:11,239
Speaker 4: a bit more cautious before we do that. But in

487
00:22:11,320 --> 00:22:13,640
Speaker 4: saying that, like, you don't buy a house with someone

488
00:22:13,640 --> 00:22:15,399
Speaker 4: because you go China, What I'm going to buy a

489
00:22:15,400 --> 00:22:17,520
Speaker 4: house with you because we're probably going to separate in

490
00:22:17,560 --> 00:22:19,760
Speaker 4: twelve months? Like, that's not how it works. You think

491
00:22:19,800 --> 00:22:21,680
Speaker 4: it's the be all, end all, and you're like, we're

492
00:22:21,720 --> 00:22:24,600
Speaker 4: creating wealth together. Like, I get it. We just have

493
00:22:24,680 --> 00:22:26,320
Speaker 4: to be smart about it. And it sounds like you

494
00:22:26,400 --> 00:22:26,840
Speaker 4: have been.

495
00:22:27,040 --> 00:22:28,880
Speaker 2: Yeah, there was a plan and it just didn't work out,

496
00:22:28,960 --> 00:22:30,680
Speaker 2: so we move on.

497
00:22:31,040 --> 00:22:32,320
Speaker 4: Back to ground zero.

498
00:22:32,480 --> 00:22:33,120
Speaker 2: I like it.

499
00:22:33,200 --> 00:22:35,400
Speaker 4: I love it. I have loved this money diary. Thank

500
00:22:35,440 --> 00:22:38,000
Speaker 4: you so much for spending so much time with me

501
00:22:38,280 --> 00:22:41,119
Speaker 4: and getting everything up and running. I know you mentioned

502
00:22:41,160 --> 00:22:43,560
Speaker 4: earlier that you really want to be better at investing,

503
00:22:43,640 --> 00:22:45,800
Speaker 4: so I'm going to add you to my investing master

504
00:22:45,880 --> 00:22:48,400
Speaker 4: class so that can be like a little thank you,

505
00:22:48,440 --> 00:22:50,480
Speaker 4: and I feel like that could push you closer to

506
00:22:50,520 --> 00:22:54,080
Speaker 4: the A plus so that we can start investing together.

507
00:22:54,160 --> 00:22:56,639
Speaker 4: I know that you've got the property side sorted, but

508
00:22:56,760 --> 00:22:58,639
Speaker 4: you did say that you felt a little bit overwhelmed

509
00:22:58,680 --> 00:23:00,840
Speaker 4: and you're not really sure what to do with shares is.

510
00:23:00,880 --> 00:23:03,840
Speaker 4: But I can teach you, which is super fun. But

511
00:23:04,000 --> 00:23:06,080
Speaker 4: I have loved this, and sadly we are out of time,

512
00:23:06,320 --> 00:23:09,080
Speaker 4: but money, it has been a pleasure. I'm so grateful

513
00:23:09,119 --> 00:23:10,880
Speaker 4: and I just I think you're doing so many good

514
00:23:10,880 --> 00:23:14,560
Speaker 4: things for your community, both literally protecting them but also

515
00:23:14,840 --> 00:23:19,199
Speaker 4: creating that sense of community inside your community is so

516
00:23:19,400 --> 00:23:22,399
Speaker 4: underrated and you're probably already seeing how important that is.

517
00:23:22,600 --> 00:23:25,880
Speaker 2: Oh. Absolutely, I love them and the fact that I've

518
00:23:25,880 --> 00:23:28,199
Speaker 2: told them that I've got this promotion, which means i

519
00:23:28,240 --> 00:23:32,880
Speaker 2: may have to leave town, but I'm not going too

520
00:23:32,880 --> 00:23:35,560
Speaker 2: far so I'll still keep the business and keep it running,

521
00:23:35,560 --> 00:23:37,720
Speaker 2: but I'm not going too far away. I love it.

522
00:23:37,840 --> 00:23:40,320
Speaker 4: I'm so excited, and I hope that you're so proud

523
00:23:40,359 --> 00:23:42,520
Speaker 4: of yourself because it sounds like you're killing it, like

524
00:23:42,560 --> 00:23:43,639
Speaker 4: you're just so impressive.

525
00:23:43,800 --> 00:23:45,640
Speaker 2: I love it. Thank you, I appreciate it.

526
00:23:45,760 --> 00:23:46,480
Speaker 4: Thanks so much.

527
00:23:52,960 --> 00:23:55,399
Speaker 5: If I shared on She's on the Money is general

528
00:23:55,440 --> 00:23:59,320
Speaker 5: in nature and does not consider your individual circumstances. She's

529
00:23:59,320 --> 00:24:02,439
Speaker 5: on the Money it exists purely for educational purposes and

530
00:24:02,480 --> 00:24:04,919
Speaker 5: should not be relied upon to make an investment or

531
00:24:05,000 --> 00:24:06,000
Speaker 5: financial decision.

532
00:24:06,400 --> 00:24:08,560
Speaker 4: If you do choose to buy a financial.

533
00:24:08,200 --> 00:24:12,560
Speaker 5: Product, read the PDS TMD and obtain appropriate financial advice.

534
00:24:12,240 --> 00:24:13,560
Speaker 4: Tailored towards your needs.

535
00:24:13,920 --> 00:24:17,880
Speaker 5: Victoria Divine and Sheese on the Money are authorized representatives

536
00:24:17,920 --> 00:24:21,640
Speaker 5: of Money Sherpa Pty Ltd a BN three two one

537
00:24:21,840 --> 00:24:25,760
Speaker 5: six four nine two seven seven zero eight AFSL four

538
00:24:25,840 --> 00:24:28,320
Speaker 5: five one two eight nine