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Speaker 1: My name is Aatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Nianar kaka ya Ya bin Ahaka nian Ar gay

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Speaker 1: In Nimbina, yakarum jar Dominyamka Domaga Ithawakaman damon Imlan bomber

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Speaker 1: bang Gadabomba in and now in wakah ghana on yak

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Speaker 1: rum jar Watnadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect

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Speaker 1: the Aberiginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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

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Speaker 4: that lets you be pervy about other people's money habits

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Speaker 4: for educational purposes, of course. Welcome back to another one

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

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Speaker 4: of sitting down and talking to one of our beautiful

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Speaker 4: She's on the Money community members, all about their journey.

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Speaker 4: Let's jump straight into it, because this week I got

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Speaker 4: a message and it sounded exactly like this dear, she's

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Speaker 4: on the money after going through one of the hardest

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Speaker 4: things you can go through. I wanted to share my

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Speaker 4: story in the hope it helps other mums navigating similar challenges.

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Speaker 4: I always thought I was doing okay with money. My

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Speaker 4: husband and I saved forty grand in six months and

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Speaker 4: moved five hours out of the city to buy our

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Speaker 4: first home. I thought we were on track, but after

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Speaker 4: the still birth of our daughter, everything changed. The banks

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Speaker 4: want to help, and my workplace didn't know how to

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Speaker 4: support me. I had no idea how many financial hurdles

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Speaker 4: I'd face while also grieving. Now, I want to raise

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Speaker 4: awareness of what financial systems look like in moments like this.

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Speaker 4: Money Diarist, welcome to the show.

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Speaker 2: Thank you for having me.

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Speaker 4: Oh my god, I feel so privileged that you want

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Speaker 4: to share your child's story with us and you want

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Speaker 4: to talk to me. Oh, I just I know that

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Speaker 4: that's probably not how but like, thank you for wanting

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Speaker 4: to chat to us.

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Speaker 2: No, that's okay. I'm very happy to share my story

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Speaker 2: and my journey now that I've been through what I've

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Speaker 2: been through and hopefully educate a bit more to everybody.

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Speaker 4: Well, before I jump into the deeper questions, what great

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Speaker 4: would you give you? Money? Habits from A three to F.

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Speaker 2: If I asked right now, I'm a C.

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Speaker 4: You're a C. All right, let's see what that's about.

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Speaker 4: I need to be canceled, honestly. But money diarist, can

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Speaker 4: you tell me a little bit more about your journey?

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Speaker 2: So I grew up feeling, you know, not ever worried

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Speaker 2: about money. Both parents. It's worked in local government, so

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Speaker 2: it was always a safe money environment. There was never

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Speaker 2: any issues. I grew up always watching my mom do

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Speaker 2: a budget on a spreadsheet, and to this day she

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Speaker 2: still does it. She still calls me once a month

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Speaker 2: says I'm doing my budget today. So I grew up,

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Speaker 2: you know, watching mom did that, and I have a

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Speaker 2: memory of we won five thousand dollars once in the

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Speaker 2: early two thousands, and that was a huge deal.

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Speaker 4: Well in the early twent thousands, that's like twenty grand oh.

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Speaker 2: So my parents like paid a heap off the mortgage,

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Speaker 2: but we got one hundred dollars each meet my brother

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Speaker 2: and I.

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Speaker 4: That would have felt like a thousand at that point, I.

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Speaker 2: Went and bought a Pokemon Gold Gain for my game

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Speaker 2: Boy Color and I thought it was the best thing ever.

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Speaker 2: So yeah, good journey of money growing up, always felt safe.

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Speaker 2: Left school, took a little while to get to my

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Speaker 2: career and finally settled in that in about twenty seventeen,

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Speaker 2: and slowly worked my way up and just kept working,

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Speaker 2: taking a few holidays here and there, and then when

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Speaker 2: the pandemic kit, I was very lucky kept my job,

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Speaker 2: worked from home, actually got promoted during that time. In

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Speaker 2: between some lockdowns is when I met my now husband.

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Speaker 4: For you'd how did you guys meet?

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Speaker 2: We met in real life?

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Speaker 4: Oh? What the hell? Yeah, so through a lockdown you

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Speaker 4: met in real life. That just feels like almost fake,

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Speaker 4: my love.

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Speaker 2: It was in between some lockdowns, but it was still

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Speaker 2: in the rules where you couldn't stand. You had to

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Speaker 2: be sitting at bars and clubs and all that kind

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Speaker 2: of stuff. So we met like we weren't both planning

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Speaker 2: to go to that establishment that night, but things went

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Speaker 2: that way, and he came and sat at my table

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Speaker 2: because I looked bored.

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Speaker 4: So whoever you were with wasn't entertainment as much as good.

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Speaker 2: So we got chatting, swapped Instagrams, and then had our

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Speaker 2: first date a week later.

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Speaker 4: Kids, these days, you don't swap numbers.

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Speaker 2: No, we swapped Instagram so he felt a number was

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Speaker 2: too forward and the snapchat was too seedy. So Instagram

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Speaker 2: is where we went.

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Speaker 4: I like that there's a middle ground for us now.

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Speaker 2: We very quickly met and spoke about how we didn't

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Speaker 2: really want to live in the big city anymore. And

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Speaker 2: after knowing each other for six months, my lease was

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Speaker 2: running up where I was living in a sharehouse, and

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Speaker 2: he said, well, let's do this. So I moved in

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Speaker 2: with his parents and we knuckled down and saved forty grand.

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Speaker 4: That's how you saved the forty grand. That's a lot

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Speaker 4: of money to save in a short period of time. Like, yeah, okay,

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Speaker 4: moving in with the brand new in laws. Was that

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Speaker 4: challenging because I feel like I would have been so anxious,

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Speaker 4: like girl, I don't know. I feel like it took

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Speaker 4: literal years for me to go, Oh, I don't have

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Speaker 4: to be so highly strung around my husband's sperience.

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Speaker 2: It was definitely experience. It's also like moving from a

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Speaker 2: sharehouse to like a bedroom and all that kind of stuff.

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Speaker 2: So putting stuff in storage and downsizing a little bit,

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Speaker 2: but we knew it was going to be worth it

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Speaker 2: to get out and move. So in early twenty twenty two,

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Speaker 2: we bought our house remotely. We didn't actually see it

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Speaker 2: in person. We had to just do a FaceTime because

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Speaker 2: things were moving so quickly that when we saw it

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Speaker 2: pop up online, we called them that afternoon. They said,

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Speaker 2: come look at it tomorrow, and we said we live

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Speaker 2: five hours away, so we got a FaceTime the next day.

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Speaker 4: Oh my goodness. Property can be so hard, and that

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Speaker 4: just puts even more pressure on you, Like you just go,

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Speaker 4: oh goodness, Like we're gonna have to do this FaceTime,

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Speaker 4: make a decision really quickly. And I'm sure that they

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Speaker 4: were like there are lots of interested parties, weren't they.

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Speaker 2: Yeah, there was someone else at the house when they

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Speaker 2: were walking us through virtually. Oh so we very quickly

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Speaker 2: put in an offer twenty grand over asking, but we

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Speaker 2: still bought our first house for four hundred thousand dollars.

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Speaker 4: Hey that's good.

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Speaker 2: Yeah. So it was a four bedroom, reasonably like rashly painted,

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Speaker 2: had a pool, had a little shed, had a big yard.

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Speaker 2: So we were like, yeah, compared to you know Sydney

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Speaker 2: to out here. We were like dawn, you.

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Speaker 4: Like six seven months from a sharehouse to buying a

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Speaker 4: house with a pool. I love this for you.

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Speaker 2: We were pretty proud of ourselves. A lot of people

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Speaker 2: were still like, what are you doing? But that's what

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Speaker 2: we wanted to do. We didn't want to be in

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Speaker 2: the big city anymore. We want a different lifestyle, and

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Speaker 2: we up and moved up here.

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Speaker 4: So early twenty twenty two, you bought how long was

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Speaker 4: your settlement was at like normal standard three months?

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Speaker 2: It was standard, but we had early access so we

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Speaker 2: could every weekend we literally on the Friday night, we'd

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Speaker 2: pack up cars. We'd leave at like four am Saturday mornings,

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Speaker 2: come up, do stuff in the house, see our friends,

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Speaker 2: and then drive back to Sydney on the Sunday.

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Speaker 4: Hey, not bad, but also you do what you've got

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Speaker 4: to do right or you don't miss those days though.

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Speaker 4: Exciting but also a long slog.

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Speaker 2: Yeah. So well, I moved up in July twenty twenty two,

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Speaker 2: but my partner was a truck driver at the time,

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Speaker 2: so he kept working in Sydney, so I was by

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Speaker 2: myself at home in a new job too. I got

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Speaker 2: a new job at that time, and I lived up

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Speaker 2: here by myself during the week for the first six

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Speaker 2: months of us moved up here.

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Speaker 4: So you've been together six months, you buy a house,

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Speaker 4: you live together for another six months. At what point

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Speaker 4: does this man that asked for your Instagram come your husband?

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Speaker 2: So he then proposed in September of twenty twenty three,

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Speaker 2: and at this point we were pregnant with our first child.

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Speaker 2: So we fell pregnant in the May of twenty twenty three,

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Speaker 2: and he proposed over breakfast, and he organized the whole

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Speaker 2: thing from his truck while he was driving. He got

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Speaker 2: his mum to go by get the ring. He asked

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Speaker 2: for permission with a ten pack of Jack Daniels to

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Speaker 2: my dad's place, all that kind of stuff.

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Speaker 4: That's so sweet.

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Speaker 2: Organized it all remotely, and.

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Speaker 4: Is that like a proposal that you were like, this

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Speaker 4: is so me Yes, oh I love that.

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Speaker 2: And it was such a random restaurant. He's like, where

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Speaker 2: do you want to go for breakfast? And I chose

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Speaker 2: when he went are you sure? And I was like, yeah, it's.

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Speaker 4: Just breakfast to do. It's not like we're getting engaged.

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Speaker 2: But it actually ended up being nice because I was

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Speaker 2: like overlooking a park and all that kind of stuff.

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Speaker 4: So it's so cute.

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Speaker 2: So yeah, so that's September of twenty twenty three, and

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Speaker 2: he said, let's get married quickly. I want us to

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Speaker 2: have the same last name, all that stuff before the

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Speaker 2: baby come. So the baby was due.

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Speaker 4: Because you got you were pregnant in May, right, and

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Speaker 4: then you go.

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Speaker 2: Yeah, so the baby was due on Valentine's Day of

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Speaker 2: twenty twenty four.

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Speaker 4: How was your pregnancy because I feel like sometimes.

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Speaker 2: I was really crook, so and then you know, when

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Speaker 2: you look back and find out why I was really crook.

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Speaker 2: And we got to mid November, so we were getting

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Speaker 2: married mid November, organized it all. We did full DIY

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Speaker 2: on a friend's farm.

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Speaker 4: Oh my god, girl, you were pregnant and planning a wedding,

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Speaker 4: and you would have been like heavily pregnant.

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Speaker 2: I was. We got married, I was twenty seven weeks.

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Speaker 4: That's a lot of weeks, especially if you're feeling a

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Speaker 4: bit trashy.

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Speaker 2: Like, yeah, so we're in November, I'm feeling a bit crook.

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Speaker 2: Getting follow ups and all that kind of stuff. Went

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Speaker 2: to have a scan on a different part of my stomach,

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Speaker 2: and that part was near where the baby lives, and unfortunately,

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Speaker 2: that's when we found out the baby had passed away. No,

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Speaker 2: I was twenty six weeks.

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Speaker 4: Twenty six No, Oh my goodness, Like, I don't know

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Speaker 4: how that feels. And you know what, I'm not even

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Speaker 4: going to try and say that I do, because it

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Speaker 4: is so different to anything I've ever been through. But

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Speaker 4: just the idea that you weren't prepared for that like,

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Speaker 4: it's not as though I can't explain it. But having

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Speaker 4: been through unfortunately now me four miscarriages that were quite

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Speaker 4: late term for two of them, there were things that

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Speaker 4: I was like, oh, I'm just feeling as though this

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Speaker 4: maybe isn't right, but you were there for something else.

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Speaker 4: And then they were like, by the way, oh the

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Speaker 4: fact that you didn't even go there is reduced movements

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Speaker 4: or I just I really feel like something's up. You

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Speaker 4: just got completely blindsided a girl. That is not fair.

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Speaker 2: I was told I had an interior placenter, so I

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Speaker 2: was told you won't feel much, So me not feeling

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Speaker 2: much was normal. So on the Saturday afternoon, I went, oh,

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Speaker 2: I felt a kick, And then the Sunday I went,

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Speaker 2: I haven't felt much. And you know, if you were

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Speaker 2: told not to don't worry, go in Monday afternoon for

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Speaker 2: a scan on my kidneys and my bladder because I

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Speaker 2: was crooked and that's when they found out. So this

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Speaker 2: is Monday afternoon.

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Speaker 4: Oh far, I'm so.

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Speaker 2: So we get up to the hospital this Monday afternoon.

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Speaker 2: My husband's just gotten back from thankfully driving back home

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Speaker 2: not to Sydney. Tell him, jump in the car up

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Speaker 2: to the hospital, get up to the hospital, and they

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Speaker 2: say you have to give birth. No, and I just

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Speaker 2: went okay. That's because I was not educated at all

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Speaker 2: about what happens when this happens.

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Speaker 4: But you don't know what you don't know, and in

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Speaker 4: the nice way, ever, it's kind of nice that you've

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Speaker 4: not had any experience of this.

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Speaker 2: Before, reflecting. All I got was a pamphlet sometime in

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Speaker 2: my pregnancy saying still birth might happen to you, and

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Speaker 2: that was it. So I get up to the hospital

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Speaker 2: and we're chatting through when I'm going to give birth,

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Speaker 2: and that's when I dropped that we get married that Saturday, yeap,

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Speaker 2: So we very quickly had to put a plan into place.

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Speaker 2: So that was the Monday night. I went back to

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Speaker 2: hospital the Wednesday and I gave birth to my beautiful

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Speaker 2: little girl.

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Speaker 4: Did you get to spend much time with her?

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Speaker 2: Yes? Yeah, and she was the most beautiful little thing.

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Speaker 2: She's got a cutes little nose. So I spent some

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Speaker 2: time with her, and then I had to stay in

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Speaker 2: hospital until Friday. Of course, so my husband went, I

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Speaker 2: need to be busy, so he left and did all

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Speaker 2: the wedding stuff, so the marquee, portoloo, the food, the alcohol,

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Speaker 2: all that kind of stuff. So he went kept himself

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Speaker 2: busy with.

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Speaker 4: That, honestly, fair Like, I get wanting to be busy,

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Speaker 4: but at the same time, I'm assuming every single person

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Speaker 4: going to your wedding knew that you were having a baby.

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Speaker 2: Yes, we had kept the pregnancy quiet until twenty weeks. Yeah,

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Speaker 2: and then but everyone so that that's when all our

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Speaker 2: family on what the Tuesday, said are we coming up now?

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Speaker 2: And we said, no, leave us. We'll do this by ourselves.

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Speaker 2: And so we did all the giving birth by ourselves.

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Speaker 2: But friends popped around to the house to check on

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Speaker 2: the dogs, for example, because you just we just dropped

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Speaker 2: everything and ran and I just was told to rock

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Speaker 2: up to the wedding really in my dress, which is

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Speaker 2: what I did.

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Speaker 4: Stop and what is that like? Because like, you're marrying

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Speaker 4: the love of your life, right, you are the man,

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Speaker 4: I'm assuming of your dreams and that was like something

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Speaker 4: that you look forward to and I'm sure since you

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Speaker 4: were little, you're like, one day, I'm gonna have the

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Speaker 4: big light dress. I'm gonna have a wedding, and like

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Speaker 4: you guys were so excited to get married. It was

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Speaker 4: like September to November.

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Speaker 2: It was an eight weeks that I planned a wedding.

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Speaker 4: Yeah, hustling to get married, and like there was probably

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Speaker 4: I don't know, I feel like it's a little bit

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Speaker 4: romantic if you're pregnant and then getting married, because it's

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Speaker 4: just it's a love bubble. Like you're in this bubble

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Speaker 4: of like we're having a baby, we're getting married, We're

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Speaker 4: doing literally everything all at once. What's that like? Like

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Speaker 4: I'm going to cry like I did.

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Speaker 2: Oh, it was a rollercoaster. I think I had not

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Speaker 2: really been alone until I had an hour before I

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Speaker 2: had to get ready for the wedding, and I just

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Speaker 2: sat there and I just went what has happened over

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Speaker 2: the last week? And one of my cats had come

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Speaker 2: up to me and crawled up and noticed that the

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Speaker 2: like she used to crawl up on my tummy and

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Speaker 2: now she noticed there was nothing there, and that like

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Speaker 2: her look on her face and she's.

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Speaker 4: A cat, it's creepy.

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Speaker 2: Hey. Yeah, So yeah, I just kind of I drove

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Speaker 2: myself to hair and makeup and drove myself up to

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Speaker 2: the wedding, got changed at a friend's house around the corner,

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Speaker 2: and then walked down the aisle and we spoke to

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Speaker 2: our celebrant the day I was giving birth and told

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Speaker 2: her what was going on, and she was amazing. She's like, Okay,

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Speaker 2: what are we doing here? What do you want mentioned?

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Speaker 2: What do you don't want mentioned? So we kind of

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Speaker 2: started the day like, you know, we reflect on what's happened,

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Speaker 2: and because of what's happened, it shows how strong these

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Speaker 2: two love each other. And we associate my daughter with butterflies,

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Speaker 2: so you know, we talked about the butterflies that were

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Speaker 2: circling all that day stop.

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Speaker 4: And of course they were, and I bet they just

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Speaker 4: hung out the.

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Speaker 2: Whole day for no reall one hit me in the

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Speaker 2: face as I was getting photos done. Yeah. So then

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Speaker 2: we got married, and then then after that you then

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Speaker 2: sit down and go, Okay, what do you do. Now

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Speaker 2: we're married, and my husband had to go back into work.

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Speaker 2: You took a few more days off, it went straight

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Speaker 2: back into work. Was actually starting a new job as well,

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Speaker 2: which meant you would be home all the time, which

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Speaker 2: was great. But I remember also having to call my

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Speaker 2: work and explaining. I said, my daughter's been born sleeping

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Speaker 2: and my workplace said, what does that mean?

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Speaker 4: How do you guys not know what that means?

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Speaker 2: So that was really that was something to navigate, and

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Speaker 2: they didn't know what the options were. So thankfully now

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Speaker 2: we've been through all the options, they have all the

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Speaker 2: detail because I'm very strong about educating that this is

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Speaker 2: going to happen and for people to be prepared in

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Speaker 2: all shapes of life.

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Speaker 4: One hundred percent. So that happens, you obviously take some

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Speaker 4: time off work. Then what does life look like after that?

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Speaker 2: So in Australia, after twenty weeks or if a baby

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Speaker 2: is born over four hundred grands, it's classified as is

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Speaker 2: stillborn and therefore they get a birth certificate and you're

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Speaker 2: entitled to the government benefits. So I had two options,

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Speaker 2: which was the normal paid print or leave that every

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Speaker 2: parent can take, or a still born payout, which is

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Speaker 2: around four thousand dollars last time I checked, which is recently,

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Speaker 2: which for me was about a month's salary. And I

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Speaker 2: looked at it and I went, I don't think I

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Speaker 2: can just go back to work after Christmas. So I

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Speaker 2: decided to do the paid print or leave option, but

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Speaker 2: that just wasn't enough, So I ended up going back

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Speaker 2: to work two months earlier then I had hoped.

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Speaker 4: But you also probably had a bit more freedom and

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Speaker 4: flexibility than the fore grand payout. Is that right?

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Speaker 2: Yeah, I had the option. Like, my husband has made

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Speaker 2: me a very strong person, and he said, if you're

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Speaker 2: going to take time off, what are you going to do?

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Speaker 2: So I did put in effort to like going to

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Speaker 2: the gym and doing little bit for me, made sure

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Speaker 2: I did everything every day. I'm a very big tailor

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Speaker 2: Swift fan, so I spent a lot of time making

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Speaker 2: friendship bracelets because I wasn't going to get to go

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Speaker 2: to the ears too, because I was due exactly when

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Speaker 2: she was here. So when everything happened, my friends all

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Speaker 2: came to and I got to go thankfully six times.

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Speaker 4: Actually yes, oh my goodness, your friend came in clutch.

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Speaker 2: So I got to come down to Melbourne for three

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Speaker 2: shows and I went to Sydney for three shows, and

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Speaker 2: it's just the most it was the most healing thing

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Speaker 2: because I'm very big, swifty, seen her multiple times and

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Speaker 2: all my friends made me a bracelet with my daughter's name,

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Speaker 2: you stop. So this arm was full of bracelets with

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Speaker 2: her name, which was beautiful. So just it was a

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Speaker 2: very healing time. And then yeah, I actually fell pregnant

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Speaker 2: again just before I left for the ears to us stop, that's.

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Speaker 4: So special as well? What's that like? Like, what is

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Speaker 4: it like having gone through that and then finding out

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Speaker 4: you're pregnant again because you know again And I'm not

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Speaker 4: trying to make this about me. I think this is

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Speaker 4: definitely a completely different story. But like I am the

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Speaker 4: most anxious pregnant person ever because I I'm just not

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Speaker 4: good at staying pregnant, Like I've now lost four pregnancies,

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Speaker 4: and so being pregnant means that I'm quite anxious the

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Speaker 4: whole time. I'm like, this isn't going to work out,

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Speaker 4: This isn't going to work. But your situation mine mine

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Speaker 4: is nothing in comparison to yours, So like, how's that feel?

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Speaker 2: With my first daughter's pregnancy, I was very much like

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Speaker 2: testing every single day and had to see the line

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Speaker 2: get darker, and it got darker and I got darker,

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Speaker 2: and I paid for extra blood tests to make sure

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Speaker 2: the numbers were rising. But with my second daughter's pregnancy,

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Speaker 2: I don't know why, but I didn't. I kind of

383
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Speaker 2: got the positive blood test, I went, Okay, we're just

384
00:18:37,880 --> 00:18:41,680
Speaker 2: gonna sit. Obviously my experience is going to be different.

385
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Speaker 2: I had to start blood thinners immediately. I also was

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Speaker 2: up at the hospital at ten weeks, and where I

387
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Speaker 2: am usually don't go till twelve and then twenty weeks,

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Speaker 2: so I had continuity of care this pregnancy, which I

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Speaker 2: didn't have last pregnancy.

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Speaker 4: You're like, you just need that extra hand holding process.

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Speaker 2: I literally saw my and I'm in the public system.

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Speaker 2: We don't have a private option really where I live.

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Speaker 4: But the public system when you're a high risk pregnancy

394
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Speaker 4: is honestly like, I won't say flawless, but pretty flipping good.

395
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Speaker 2: Well. I was high risked with my first pregnancy too,

396
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Speaker 2: so it was just very different experiences. So when I

397
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Speaker 2: got to sixteen weeks and we did another skin they said,

398
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Speaker 2: it's now your choice. What do you want to do?

399
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Speaker 2: I decided to come fortnightly. Yeah. So because my first

400
00:19:28,240 --> 00:19:31,480
Speaker 2: daughters was growth restricted pretty much. Is what she's passed

401
00:19:31,480 --> 00:19:35,200
Speaker 2: away from is mount nourishment. Well, she was too small. Yeah,

402
00:19:35,520 --> 00:19:38,399
Speaker 2: my placenta was the issue. It was full of blood

403
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Speaker 2: clots and therefore stopped.

404
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Speaker 4: So you would have had to start aspirin really early off.

405
00:19:42,680 --> 00:19:46,280
Speaker 2: Yes, that too. So my biggest thing was seeing her grow.

406
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Speaker 2: So every two weeks I wanted to see.

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Speaker 4: I want to see gain. I want to see her longer. Yeah,

408
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Speaker 4: I see her tracking on the graph.

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Speaker 2: And the irony is that she was a weak ahead.

410
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Speaker 4: Every single mum, mom stops stressing.

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Speaker 2: I got this. I had kicks all the time, but

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Speaker 2: it was still it was a very anxious time and

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Speaker 2: therefore we didn't announce my pregnancy at all. We kept

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Speaker 2: it to ourselves and close family and friends only. We

415
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Speaker 2: just dropped on Facebook after she was born an surprised guys, Hey,

416
00:20:16,560 --> 00:20:21,080
Speaker 2: we've had a child. So yeah, So I got induced

417
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Speaker 2: it thirty eight weeks, which is I really pushed for

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Speaker 2: because I just had physically had enough.

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Speaker 4: Honestly, fair like, I'm not gonna lie. I envy those

420
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Speaker 4: women who were like, pregnancy is so magical, it's the

421
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Speaker 4: best time, I really worshiped my body. Girl, I've never

422
00:20:35,240 --> 00:20:37,840
Speaker 4: felt worse in my life, like I trying to roll

423
00:20:37,880 --> 00:20:40,399
Speaker 4: over in bed, like I did not enjoy it. I

424
00:20:40,440 --> 00:20:43,960
Speaker 4: couldn't breathe, like I just felt like trash all the time.

425
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Speaker 4: I vomited on literally everything, like one out of ten

426
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Speaker 4: ye experience. I envy people, you know what. I say

427
00:20:49,840 --> 00:20:51,959
Speaker 4: this all the time to my girlfriends. I'm like, parenthood

428
00:20:52,240 --> 00:20:54,600
Speaker 4: absolutely for me, like I was born to be a mum.

429
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Speaker 4: Pregnancy though, that's not my journey.

430
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Speaker 2: I enjoyed it, but I was just as last ten weeks,

431
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Speaker 2: especially once I got past twenty seven weeks, it was

432
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Speaker 2: still just every week was like, is everything okay?

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Speaker 4: And even after that point, was her weight tracking well?

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Speaker 2: Yes, she came out at four point two kilos at

435
00:21:14,359 --> 00:21:16,520
Speaker 2: thirty eight weeks. She was well and truly.

436
00:21:16,359 --> 00:21:18,520
Speaker 4: Did not need those extra a few weeks.

437
00:21:18,800 --> 00:21:20,600
Speaker 2: Nope, No, So.

438
00:21:20,920 --> 00:21:24,400
Speaker 4: I love that. I love that so much. So tell

439
00:21:24,440 --> 00:21:26,359
Speaker 4: me a little bit more. I guess you said you

440
00:21:26,440 --> 00:21:28,600
Speaker 4: didn't go back to work. What do you do for

441
00:21:28,680 --> 00:21:30,280
Speaker 4: work and how much money do you earn?

442
00:21:30,400 --> 00:21:33,520
Speaker 2: So I'm now back in my job, which is an

443
00:21:33,520 --> 00:21:36,920
Speaker 2: executive assistant in local government. Oh, very cool and I'm

444
00:21:37,040 --> 00:21:39,440
Speaker 2: on eighty eight thousand plus Sooper.

445
00:21:39,400 --> 00:21:42,600
Speaker 4: Oh, hey, that's good. And does that like because it's

446
00:21:42,600 --> 00:21:45,199
Speaker 4: local government, does it increase every year? Is there like

447
00:21:45,240 --> 00:21:45,679
Speaker 4: a plan?

448
00:21:45,920 --> 00:21:48,680
Speaker 2: Yeah, you have like steps, so I'm I think I'm

449
00:21:48,680 --> 00:21:51,320
Speaker 2: at that last step now in my grade and we

450
00:21:51,400 --> 00:21:54,640
Speaker 2: get the like the CPI increase and stuff as well.

451
00:21:54,680 --> 00:21:57,119
Speaker 2: But at the moment, I'm just doing three days a

452
00:21:57,160 --> 00:22:00,240
Speaker 2: week with a transition to be back full time in

453
00:22:00,240 --> 00:22:02,480
Speaker 2: a few months. So tell me about your second daughter.

454
00:22:02,520 --> 00:22:04,520
Speaker 2: When was she born? How old is she now? So

455
00:22:05,160 --> 00:22:06,200
Speaker 2: she's seven months old.

456
00:22:06,320 --> 00:22:09,040
Speaker 4: It's not fit delicious, she is delicious.

457
00:22:09,080 --> 00:22:10,240
Speaker 2: She's got arms like a croissant.

458
00:22:10,440 --> 00:22:13,560
Speaker 4: I love that, my baby. So when Harvey was born,

459
00:22:13,640 --> 00:22:15,399
Speaker 4: he was like three and a half killers, which is

460
00:22:15,440 --> 00:22:19,119
Speaker 4: like bang on, like standard baby size. And then I

461
00:22:19,200 --> 00:22:23,120
Speaker 4: swear he ate a different baby and left the hospital

462
00:22:23,520 --> 00:22:26,080
Speaker 4: and he has been the chunkiest boy ever since. And

463
00:22:26,119 --> 00:22:29,200
Speaker 4: it is my favorite thing ever, the little chubby wrists.

464
00:22:29,280 --> 00:22:30,680
Speaker 2: Oh yeah, she's got those.

465
00:22:30,760 --> 00:22:34,439
Speaker 4: She's so cute. I love this. So talk to me

466
00:22:34,600 --> 00:22:37,400
Speaker 4: about money goals, Like you've bought the house, you've got

467
00:22:37,400 --> 00:22:40,240
Speaker 4: the pool, You've moved like I guess into state. What

468
00:22:40,359 --> 00:22:42,760
Speaker 4: is your big money goal? What are you guys working towards.

469
00:22:42,560 --> 00:22:45,320
Speaker 2: So in the midst of everything that happened, we also

470
00:22:45,359 --> 00:22:48,040
Speaker 2: sold our house. We went on this everyone, you guys okay,

471
00:22:48,080 --> 00:22:50,239
Speaker 2: because we sold a lot of stuff. We sold our

472
00:22:50,280 --> 00:22:54,240
Speaker 2: house and we moved another thirty minutes north and so

473
00:22:54,359 --> 00:22:56,600
Speaker 2: now we're on a property that's like half an acre

474
00:22:56,840 --> 00:22:59,800
Speaker 2: a lot quite at town. But this still isn't the forever.

475
00:23:00,280 --> 00:23:04,080
Speaker 2: So we're definitely starting to work towards getting some acreage

476
00:23:04,320 --> 00:23:08,119
Speaker 2: something like five to ten just to have some cows.

477
00:23:08,160 --> 00:23:10,160
Speaker 2: And my husband communities right on moer.

478
00:23:10,240 --> 00:23:12,720
Speaker 4: Oh my god, So tell me about that, because if

479
00:23:12,760 --> 00:23:15,480
Speaker 4: you're you've sold your house, you moved into this one,

480
00:23:15,520 --> 00:23:17,560
Speaker 4: and you're like on a little bit of land, are

481
00:23:17,560 --> 00:23:21,160
Speaker 4: you expecting that to increase in value and then move

482
00:23:21,280 --> 00:23:22,880
Speaker 4: or like, have you got like little plan?

483
00:23:23,040 --> 00:23:24,480
Speaker 2: We spoke at the beginning of the year and like,

484
00:23:24,520 --> 00:23:26,280
Speaker 2: do you want to do anything in twenty twenty five?

485
00:23:26,320 --> 00:23:28,680
Speaker 2: We said, no, let's just kind of settle into being

486
00:23:28,760 --> 00:23:31,600
Speaker 2: parents and all that kind of stuff, and let's just

487
00:23:31,680 --> 00:23:35,879
Speaker 2: keep smashing out our mortgage, which we are. So we've

488
00:23:35,920 --> 00:23:41,040
Speaker 2: paid nineteen thousand off the principal already in fourteen months.

489
00:23:41,640 --> 00:23:43,600
Speaker 2: The way we do it as well, is I've switched

490
00:23:43,640 --> 00:23:46,960
Speaker 2: to weekly repayments, but we also do forty dollars a

491
00:23:47,040 --> 00:23:50,159
Speaker 2: day we send over to our mortgage. Great, so that

492
00:23:50,240 --> 00:23:52,920
Speaker 2: we're doing something every single day because of the daily

493
00:23:52,960 --> 00:23:53,960
Speaker 2: interest rushing.

494
00:23:53,720 --> 00:23:55,560
Speaker 4: Downe that interest And for those of you who maybe

495
00:23:55,680 --> 00:23:59,840
Speaker 4: haven't deep dove into like what that actually means interest

496
00:24:00,160 --> 00:24:03,440
Speaker 4: calculated daily on your mortgage. So the end of the month,

497
00:24:03,480 --> 00:24:05,439
Speaker 4: they kind of go, oh, you have a thousand dollars

498
00:24:05,480 --> 00:24:08,520
Speaker 4: interest due. But if every single day you are cutting

499
00:24:08,560 --> 00:24:10,760
Speaker 4: that down, that at the end of the day means

500
00:24:10,920 --> 00:24:13,320
Speaker 4: at the end of the month, less interest is owed

501
00:24:13,760 --> 00:24:16,560
Speaker 4: and therefore more of the money that you've paid off

502
00:24:16,600 --> 00:24:19,160
Speaker 4: over that period of time actually goes to the real

503
00:24:19,240 --> 00:24:22,280
Speaker 4: loan instead of the interest that is payable. So that's

504
00:24:22,320 --> 00:24:24,720
Speaker 4: a really smart idea. Some of them do it that way,

505
00:24:24,760 --> 00:24:27,400
Speaker 4: some of them don't. So if someone's listening and they're like, oh,

506
00:24:27,400 --> 00:24:29,199
Speaker 4: I'm a good nurse, like money dires a genius, I'm

507
00:24:29,200 --> 00:24:31,000
Speaker 4: going to do it, don't just implement it, like have

508
00:24:31,080 --> 00:24:33,000
Speaker 4: a chat to your bank about what that actually means.

509
00:24:33,000 --> 00:24:36,119
Speaker 4: All you're broker about how to implement that. But money

510
00:24:36,119 --> 00:24:37,119
Speaker 4: dires that's quite smart.

511
00:24:37,240 --> 00:24:39,359
Speaker 2: We looked at it actually last night and we were

512
00:24:39,400 --> 00:24:41,840
Speaker 2: doing the math, and if we didn't put anything extra,

513
00:24:41,880 --> 00:24:44,440
Speaker 2: we'd only pay five hundred off the principle a month,

514
00:24:44,480 --> 00:24:48,040
Speaker 2: and that feels like nothing, but us doing it this

515
00:24:48,080 --> 00:24:50,320
Speaker 2: way is paying an extra fifteen hundred.

516
00:24:50,040 --> 00:24:54,000
Speaker 4: Dollars off stop. That's so significant. Have you calculated how

517
00:24:54,080 --> 00:24:55,320
Speaker 4: much time that will save you?

518
00:24:55,520 --> 00:24:58,160
Speaker 2: I think so far, we've already cut three years off

519
00:24:58,200 --> 00:24:58,840
Speaker 2: the loan.

520
00:24:58,640 --> 00:25:00,560
Speaker 4: Stop it, and you haven't even lived there that long.

521
00:25:00,680 --> 00:25:02,680
Speaker 2: We've only been here fourteen months in this house.

522
00:25:02,720 --> 00:25:04,560
Speaker 4: Yeah, and you've cut three years off. So by the

523
00:25:04,600 --> 00:25:08,159
Speaker 4: time you guys move again, you'll probably be like twenty

524
00:25:08,240 --> 00:25:09,320
Speaker 4: year mortgage or something.

525
00:25:09,359 --> 00:25:09,879
Speaker 2: Hopefully.

526
00:25:10,040 --> 00:25:13,280
Speaker 4: Yeah, Oh my goodness. I love this for you. Do

527
00:25:13,320 --> 00:25:15,280
Speaker 4: you have any other big money goals that you're currently

528
00:25:15,320 --> 00:25:16,080
Speaker 4: working towards.

529
00:25:16,240 --> 00:25:18,919
Speaker 2: That's the main one, is really just finding the forever

530
00:25:18,960 --> 00:25:21,120
Speaker 2: home as nice and as quiet as it is here.

531
00:25:21,320 --> 00:25:23,880
Speaker 2: It's a I don't like the layout very much, and

532
00:25:24,280 --> 00:25:27,600
Speaker 2: it's obviously very cold, and we've got just fireplaces and

533
00:25:27,720 --> 00:25:29,800
Speaker 2: gas heating, and I'm like, I just want some doctor

534
00:25:29,840 --> 00:25:33,399
Speaker 2: their con and I'd love to go on a proper holiday.

535
00:25:33,400 --> 00:25:35,679
Speaker 2: We went on a honeymoon when I was eight weeks pregnant,

536
00:25:35,680 --> 00:25:38,919
Speaker 2: with my second daughter, and that was not a vibe.

537
00:25:39,240 --> 00:25:43,480
Speaker 2: And we're on a cruise, which was probably not the best.

538
00:25:42,920 --> 00:25:47,240
Speaker 4: To you, like, how can I make this pregnancy worse exactly?

539
00:25:47,280 --> 00:25:49,240
Speaker 2: And it was one day I went, am I sea

540
00:25:49,320 --> 00:25:51,879
Speaker 2: sick and my morning sick. I don't know, I'm just sick.

541
00:25:52,119 --> 00:25:55,040
Speaker 4: Oh No, Like, I'm not gonna lie the idea of

542
00:25:55,080 --> 00:25:58,480
Speaker 4: being pregnant on a cruise. Girl, you just really wanted

543
00:25:58,520 --> 00:25:59,480
Speaker 4: to watch it well burned.

544
00:26:00,119 --> 00:26:02,760
Speaker 2: I really I don't know what I was thinking. But anyway,

545
00:26:02,800 --> 00:26:04,920
Speaker 2: because we booked it before we felt pregnant, like I

546
00:26:04,960 --> 00:26:07,520
Speaker 2: think it was like in December, after everything happened. Really,

547
00:26:07,560 --> 00:26:08,520
Speaker 2: let's book our honeymoon.

548
00:26:08,560 --> 00:26:10,560
Speaker 4: What a great trip. And then you get pregnant. You're like,

549
00:26:10,600 --> 00:26:14,440
Speaker 4: I'm actually perpetually seasick, and now I'm going to get seasick.

550
00:26:14,560 --> 00:26:15,520
Speaker 4: This is perfect?

551
00:26:16,040 --> 00:26:16,560
Speaker 2: Is great?

552
00:26:16,640 --> 00:26:18,679
Speaker 4: Oh I love that pet, Money, Doris, So let's go

553
00:26:18,840 --> 00:26:20,640
Speaker 4: to a really quick break because I have a lot

554
00:26:20,680 --> 00:26:24,240
Speaker 4: more questions and we'll get to them in a hot minute.

555
00:26:26,760 --> 00:26:28,760
Speaker 4: All right, money Dorist, we are back, and I feel

556
00:26:28,760 --> 00:26:32,639
Speaker 4: like your priority is clearly smashing down your mortgage and

557
00:26:32,720 --> 00:26:34,600
Speaker 4: you are really good at it. But do you have

558
00:26:34,640 --> 00:26:36,480
Speaker 4: any investments? If so what are they? What do you

559
00:26:36,520 --> 00:26:37,520
Speaker 4: think about investing?

560
00:26:37,720 --> 00:26:41,399
Speaker 2: I am in the middle of a bulk listen of

561
00:26:41,440 --> 00:26:43,280
Speaker 2: the backlog of shares on the money, so I feel

562
00:26:43,320 --> 00:26:45,440
Speaker 2: like investing is definitely front of mine at the moment.

563
00:26:45,880 --> 00:26:48,919
Speaker 2: I have just started a SHARE's ease yeah great in

564
00:26:49,000 --> 00:26:52,000
Speaker 2: the last week. But outside of that, I have just

565
00:26:52,080 --> 00:26:53,840
Speaker 2: my SUPER at the moment and.

566
00:26:53,880 --> 00:26:57,080
Speaker 4: Working in local government, do you get more super than

567
00:26:57,119 --> 00:26:57,760
Speaker 4: the average, Beth?

568
00:26:57,920 --> 00:26:59,040
Speaker 2: I think it's twelve percent.

569
00:26:59,160 --> 00:27:01,640
Speaker 4: Yeah. And how's your super tracking? Are you happy with it?

570
00:27:01,720 --> 00:27:02,960
Speaker 4: Have you been looking at it?

571
00:27:03,160 --> 00:27:05,280
Speaker 2: Yeah, I've been checking it and I did notice a

572
00:27:05,320 --> 00:27:08,120
Speaker 2: little dip. Obviously, I haven't had super paid pretty much

573
00:27:08,160 --> 00:27:10,760
Speaker 2: all of this year yet because I've been on Central

574
00:27:10,760 --> 00:27:12,640
Speaker 2: Link since the beginning of the year.

575
00:27:12,840 --> 00:27:16,439
Speaker 4: How annoying because Sendlink has just updated to paying it

576
00:27:16,520 --> 00:27:19,119
Speaker 4: super as off July, so you just missed out on that.

577
00:27:19,200 --> 00:27:20,040
Speaker 4: I'm so sorry.

578
00:27:20,240 --> 00:27:22,200
Speaker 2: And I'm not planning on any more babies, so it

579
00:27:22,240 --> 00:27:25,399
Speaker 2: won't be any pregnancy is not for me anymore.

580
00:27:25,520 --> 00:27:26,280
Speaker 4: We are done.

581
00:27:26,600 --> 00:27:29,720
Speaker 2: I'm too and done. So I'm at sixty five thousand.

582
00:27:29,840 --> 00:27:32,359
Speaker 4: Oh my god. Okay, you're doing really well for your age.

583
00:27:32,400 --> 00:27:34,639
Speaker 2: When I looked back, is I've only been doing Super

584
00:27:34,640 --> 00:27:36,720
Speaker 2: for ten years, just because when I started, I was

585
00:27:36,800 --> 00:27:38,760
Speaker 2: late to the game. I didn't start working till I

586
00:27:38,800 --> 00:27:41,159
Speaker 2: was about eighteen because I had some big surgeries when

587
00:27:41,200 --> 00:27:43,399
Speaker 2: I was younger and I couldn't do much, So I

588
00:27:43,440 --> 00:27:46,960
Speaker 2: didn't start working until I was eighteen, and it really

589
00:27:47,400 --> 00:27:49,720
Speaker 2: with all the fees and stuff, I didn't really start

590
00:27:49,760 --> 00:27:51,440
Speaker 2: getting Super until twenty fifteen.

591
00:27:51,600 --> 00:27:52,720
Speaker 4: So, hey, look.

592
00:27:52,560 --> 00:27:54,280
Speaker 2: Sixty five over ten years, I'm pretty.

593
00:27:54,040 --> 00:27:57,159
Speaker 4: Happy, pretty well, even though it's tiny, that additional percentage

594
00:27:57,200 --> 00:27:59,400
Speaker 4: that gets paid, like it does pay off over time,

595
00:27:59,440 --> 00:28:01,400
Speaker 4: like it doesn't like a lot. You're okay, I guess

596
00:28:01,400 --> 00:28:03,080
Speaker 4: it's better than a kick in the pants. But then

597
00:28:03,320 --> 00:28:05,160
Speaker 4: you look at it after ten years and you're like, oh,

598
00:28:05,200 --> 00:28:08,520
Speaker 4: actually that did significantly contribute to my returns, which is

599
00:28:08,640 --> 00:28:11,280
Speaker 4: very very nice. Now talk to me. I need to

600
00:28:11,320 --> 00:28:13,000
Speaker 4: know more. You bought another house, but we have no

601
00:28:13,080 --> 00:28:15,600
Speaker 4: information on the debt that you carry. How much did

602
00:28:15,640 --> 00:28:17,880
Speaker 4: the house cost, how much is your mortgage? What does

603
00:28:17,880 --> 00:28:18,760
Speaker 4: all of that look like?

604
00:28:19,080 --> 00:28:21,560
Speaker 2: So the house we're in now we bought for five

605
00:28:21,640 --> 00:28:24,800
Speaker 2: hundred and sixty five thousand, and that's on half an acre,

606
00:28:24,880 --> 00:28:29,280
Speaker 2: four bedroom house. I'm so envs And we had a

607
00:28:29,359 --> 00:28:31,760
Speaker 2: ninety k deposit from the sale of our first house.

608
00:28:31,760 --> 00:28:34,400
Speaker 2: So we bought the house for four hundred thousand dollars

609
00:28:34,800 --> 00:28:37,399
Speaker 2: and eighteen months later we sold it for four hundred

610
00:28:37,400 --> 00:28:38,640
Speaker 2: and eighty two thousand dollars.

611
00:28:39,040 --> 00:28:41,480
Speaker 4: Very nice. And you guys had that forty thousand deposits,

612
00:28:41,480 --> 00:28:44,120
Speaker 4: so you basically flipped that in eighteen months to be

613
00:28:44,280 --> 00:28:45,400
Speaker 4: from forty to ninety.

614
00:28:45,560 --> 00:28:47,600
Speaker 2: And we added like an air con to it and

615
00:28:47,640 --> 00:28:51,120
Speaker 2: all that kind of stuff. And then we now owe

616
00:28:51,360 --> 00:28:53,800
Speaker 2: four hundred and seventy five thousand on this house.

617
00:28:53,880 --> 00:28:55,200
Speaker 4: And how does that make you feel?

618
00:28:55,280 --> 00:28:56,480
Speaker 2: I think we're doing really well.

619
00:28:56,560 --> 00:28:58,040
Speaker 4: I think you're doing really well as well.

620
00:28:58,600 --> 00:28:59,800
Speaker 2: I'm pretty happy with it.

621
00:29:00,200 --> 00:29:01,280
Speaker 4: I'd prefer not though.

622
00:29:01,520 --> 00:29:03,640
Speaker 2: No, I'm still waiting for the day we win the

623
00:29:03,640 --> 00:29:05,760
Speaker 2: lotto because my husband wrote in his wedding vows that

624
00:29:05,800 --> 00:29:06,400
Speaker 2: we would.

625
00:29:06,320 --> 00:29:08,400
Speaker 4: Well call me when that happens, because I have a

626
00:29:08,400 --> 00:29:12,880
Speaker 4: few good financial advisors that are literally with stuff like that.

627
00:29:13,320 --> 00:29:15,560
Speaker 4: It's coming, so you'll need their details.

628
00:29:15,160 --> 00:29:17,440
Speaker 2: Right exactly exactly it's next week.

629
00:29:17,520 --> 00:29:19,080
Speaker 4: Do you have any other debts?

630
00:29:19,360 --> 00:29:21,200
Speaker 2: So at the moment, I have a credit card debt

631
00:29:21,240 --> 00:29:26,520
Speaker 2: of about eleven thousand dollars and it's not pretty, but

632
00:29:26,720 --> 00:29:29,760
Speaker 2: it just shows that you kind of need that little

633
00:29:29,760 --> 00:29:33,040
Speaker 2: bit of support, especially when on paid Printally, I was.

634
00:29:33,000 --> 00:29:35,080
Speaker 4: Going to ask, like, what's that made up of? Is

635
00:29:35,120 --> 00:29:38,280
Speaker 4: that going on paid parental leave? In your diary that

636
00:29:38,360 --> 00:29:39,960
Speaker 4: you wrote in you were like, I really want to

637
00:29:40,000 --> 00:29:43,200
Speaker 4: talk about, you know, the awareness of financial systems. Did

638
00:29:43,240 --> 00:29:45,880
Speaker 4: you win to debt after having your first daughter?

639
00:29:46,080 --> 00:29:48,320
Speaker 2: I think so. I think we did. I had to

640
00:29:48,400 --> 00:29:50,400
Speaker 2: cut back on a lot of things. I kind of

641
00:29:50,440 --> 00:29:53,400
Speaker 2: went I had about one thousand dollars a fortnight drop

642
00:29:54,200 --> 00:29:57,120
Speaker 2: going on to Centerlink. I got a couple of leave

643
00:29:57,160 --> 00:30:00,320
Speaker 2: options from work and I used those around orygment even

644
00:30:00,360 --> 00:30:04,000
Speaker 2: things like that, and then I went into Centerlink. So

645
00:30:04,200 --> 00:30:06,200
Speaker 2: we're at the point that we were selling our house

646
00:30:06,280 --> 00:30:09,920
Speaker 2: and the broker said, we're really sorry, we understand what

647
00:30:09,960 --> 00:30:12,120
Speaker 2: you've been through, but the banks don't count center Link

648
00:30:12,160 --> 00:30:15,240
Speaker 2: as an income, so right now you don't have an income,

649
00:30:15,680 --> 00:30:17,720
Speaker 2: so therefore we wouldn't have been allowed to borrow for

650
00:30:17,760 --> 00:30:18,360
Speaker 2: the house.

651
00:30:18,160 --> 00:30:20,720
Speaker 4: For in now, which actually makes me. I own a

652
00:30:20,720 --> 00:30:23,160
Speaker 4: mortgage broken company. So I see that stuff all the time,

653
00:30:23,200 --> 00:30:25,320
Speaker 4: and it makes me so angry because you could have

654
00:30:25,360 --> 00:30:27,440
Speaker 4: worked with the same company for ten years and then

655
00:30:27,480 --> 00:30:30,960
Speaker 4: taken parental leave and had a legit central ink income.

656
00:30:31,000 --> 00:30:33,480
Speaker 4: You could have been the most financially savvy person. You

657
00:30:33,520 --> 00:30:35,320
Speaker 4: could have saved for the last ten years to take

658
00:30:35,320 --> 00:30:38,040
Speaker 4: this period of time, so financially you're not behind, but

659
00:30:38,080 --> 00:30:41,600
Speaker 4: the banks like you have no money by It's not true,

660
00:30:41,640 --> 00:30:43,960
Speaker 4: but it's so frustrating. So what did you do to

661
00:30:43,960 --> 00:30:44,560
Speaker 4: get around that?

662
00:30:44,880 --> 00:30:45,920
Speaker 2: I went back to work early.

663
00:30:46,160 --> 00:30:48,800
Speaker 4: Oh, that's the last thing you needed. Was that really

664
00:30:48,880 --> 00:30:50,280
Speaker 4: painful to go back to work.

665
00:30:50,440 --> 00:30:52,360
Speaker 2: I wasn't ready to go back to work. I was

666
00:30:52,440 --> 00:30:54,720
Speaker 2: due to go back after six months, and I went

667
00:30:54,800 --> 00:30:57,200
Speaker 2: back after four and I feel like I probably needed

668
00:30:57,280 --> 00:30:59,960
Speaker 2: a little bit more time. But it's just the way

669
00:31:00,160 --> 00:31:03,479
Speaker 2: everything fell. And I believe everything happens for a reason.

670
00:31:03,680 --> 00:31:08,920
Speaker 2: So it's okay, but it was really disappointing that the

671
00:31:08,960 --> 00:31:11,440
Speaker 2: banks were just like, sorry that you've had a loss

672
00:31:11,440 --> 00:31:14,480
Speaker 2: and sorry that you're on Centerlink. They wanted proof of

673
00:31:14,680 --> 00:31:17,600
Speaker 2: savings that we couldn't. You know, it was tens of

674
00:31:17,640 --> 00:31:19,640
Speaker 2: thousands of dollars. It's just not there.

675
00:31:19,760 --> 00:31:22,120
Speaker 4: I'm so sorry. That part of it makes me so

676
00:31:22,240 --> 00:31:26,360
Speaker 4: angry because it's like, where's the leniency? Like anyway, I

677
00:31:26,360 --> 00:31:28,600
Speaker 4: won't go on and on about that, because I absolutely

678
00:31:28,680 --> 00:31:30,880
Speaker 4: could so I want to dive a little bit further

679
00:31:30,920 --> 00:31:34,040
Speaker 4: into this eleven thousand dollar credit card debt. Talk to

680
00:31:34,040 --> 00:31:35,800
Speaker 4: me about that. Is that something that gives you the eck?

681
00:31:35,920 --> 00:31:37,440
Speaker 4: Is that something that you're like, Nope, we did it

682
00:31:37,480 --> 00:31:39,440
Speaker 4: on purpose because you know, I have a seven month

683
00:31:39,520 --> 00:31:41,160
Speaker 4: old and we knew that we're going to be behind,

684
00:31:41,160 --> 00:31:42,560
Speaker 4: and this is a tool and we're just going to

685
00:31:42,560 --> 00:31:44,200
Speaker 4: smash it out later. Like what's the plan.

686
00:31:44,480 --> 00:31:46,680
Speaker 2: That's the plan is to start smashing it out as

687
00:31:46,760 --> 00:31:50,240
Speaker 2: my income increases going back to work. I've redone my

688
00:31:50,280 --> 00:31:53,080
Speaker 2: budget that I've been doing for years that haven't really followed.

689
00:31:53,120 --> 00:31:55,480
Speaker 2: It's been there on and off, but I've pulled it

690
00:31:55,520 --> 00:31:57,600
Speaker 2: back up and gone, no, no, I need to help

691
00:31:57,640 --> 00:32:03,560
Speaker 2: smash this out as well. So I'm changing. Like, it's

692
00:32:03,560 --> 00:32:06,080
Speaker 2: not really a percentage, it's just kind of working out. Okay,

693
00:32:06,120 --> 00:32:07,880
Speaker 2: there's going to be left over here that goes straight

694
00:32:07,920 --> 00:32:10,760
Speaker 2: onto the credit card. But it does kind of show

695
00:32:10,800 --> 00:32:13,840
Speaker 2: you that at the moment, sixteen hundred dollars a fortnight,

696
00:32:14,560 --> 00:32:17,080
Speaker 2: it is really hard to live on when you are

697
00:32:17,120 --> 00:32:19,360
Speaker 2: trying to do a mortgage.

698
00:32:19,480 --> 00:32:19,800
Speaker 4: Food.

699
00:32:19,880 --> 00:32:21,640
Speaker 2: I mean, thankfully she wasn't eating for a while, but

700
00:32:21,680 --> 00:32:25,440
Speaker 2: she's just started eating so adding in food, fuel, all

701
00:32:25,480 --> 00:32:27,680
Speaker 2: that kind of stuff, plus just enjoying your life.

702
00:32:27,760 --> 00:32:31,360
Speaker 4: So babies are just expensive, like nappy is expensive, and

703
00:32:31,400 --> 00:32:34,040
Speaker 4: they add up wipes and like, who knows you might

704
00:32:34,080 --> 00:32:37,040
Speaker 4: be using formula. I couldn't believe how expensive formula.

705
00:32:37,440 --> 00:32:40,360
Speaker 2: He's forty dollars a ten at the moment a week

706
00:32:40,440 --> 00:32:40,720
Speaker 2: for her.

707
00:32:40,880 --> 00:32:43,000
Speaker 4: That's the same as what Harvey was on. And it's

708
00:32:43,040 --> 00:32:45,240
Speaker 4: kind of like even if you look at the cheaper ones,

709
00:32:45,400 --> 00:32:47,760
Speaker 4: Harvey refused them. I tried to be like, oh, I

710
00:32:47,800 --> 00:32:50,160
Speaker 4: did all my research. I was literally on chat GPT

711
00:32:50,360 --> 00:32:53,840
Speaker 4: being like the national value of this versus this, because like,

712
00:32:54,080 --> 00:32:55,880
Speaker 4: you know, you don't want to do wrong by your kid.

713
00:32:56,360 --> 00:32:58,760
Speaker 4: I get that deeper one and he's like, what is this?

714
00:32:58,960 --> 00:33:02,760
Speaker 4: Absolutely not? And he also would not take anything less

715
00:33:02,840 --> 00:33:06,760
Speaker 4: than the bloody thirty dollars bottles, Like he refused.

716
00:33:06,360 --> 00:33:08,440
Speaker 2: Oh yeah, I had to switch bottles. She didn't like

717
00:33:08,480 --> 00:33:09,280
Speaker 2: the bottles bottle.

718
00:33:09,320 --> 00:33:10,640
Speaker 4: He wasn't drinking out of it.

719
00:33:10,880 --> 00:33:13,480
Speaker 2: There was just ruda. I bought you this beautiful new bottle.

720
00:33:13,600 --> 00:33:14,200
Speaker 2: Not interested.

721
00:33:14,360 --> 00:33:16,280
Speaker 4: I tried to buy the Audi nappies because all of

722
00:33:16,280 --> 00:33:18,200
Speaker 4: the mum's on my Facebook group were like, oh the

723
00:33:18,240 --> 00:33:20,560
Speaker 4: Audi nappies are great, go and buy them, and I'm like, slay,

724
00:33:20,640 --> 00:33:24,360
Speaker 4: like ten out of ten for us. They leaked everywhere.

725
00:33:24,840 --> 00:33:27,680
Speaker 4: I was like, what is this? Why do I keep

726
00:33:27,760 --> 00:33:29,880
Speaker 4: trying my hardest and being picked?

727
00:33:30,360 --> 00:33:33,320
Speaker 2: It was just building up slowly. But it's just things

728
00:33:33,360 --> 00:33:35,440
Speaker 2: like you know, she grows so quickly, and next to it,

729
00:33:35,480 --> 00:33:37,360
Speaker 2: you're having to go buy the next size up and.

730
00:33:37,880 --> 00:33:39,960
Speaker 4: You want him to look through as well.

731
00:33:39,600 --> 00:33:41,480
Speaker 2: Like yeah, well, yes, she's a bow girl.

732
00:33:41,760 --> 00:33:45,240
Speaker 4: Yes. Honestly, it was a money win for me when

733
00:33:45,560 --> 00:33:48,240
Speaker 4: I gave birth to my son and they said it's

734
00:33:48,280 --> 00:33:50,600
Speaker 4: a boy. I remember on the first day, I thought

735
00:33:50,840 --> 00:33:52,760
Speaker 4: this is going to be great for our bank account

736
00:33:53,560 --> 00:33:55,440
Speaker 4: as opposed to me them like is that a dress?

737
00:33:55,520 --> 00:33:57,320
Speaker 2: Can I I'm just gonna go. Let me just have

738
00:33:57,360 --> 00:33:57,800
Speaker 2: a look at that.

739
00:33:57,920 --> 00:34:00,320
Speaker 4: I'm a boy mum. And still if I wire past

740
00:34:00,360 --> 00:34:03,120
Speaker 4: country Road and see the little girl outfits, I'm like.

741
00:34:03,080 --> 00:34:04,160
Speaker 2: Oh what is that?

742
00:34:04,160 --> 00:34:06,200
Speaker 4: That is the cutest thing ever. I can't look away.

743
00:34:06,200 --> 00:34:08,400
Speaker 4: If I had a little girl, I'd be done for.

744
00:34:08,520 --> 00:34:09,360
Speaker 4: I'd be canceled.

745
00:34:09,520 --> 00:34:11,600
Speaker 2: I'm starting to find a dress for a wedding we've

746
00:34:11,600 --> 00:34:13,160
Speaker 2: got to go to in a couple of months, and

747
00:34:13,200 --> 00:34:15,120
Speaker 2: it's just like, oh my gosh, she's only ever going

748
00:34:15,160 --> 00:34:16,880
Speaker 2: to wear it once. Oh, but it's so cute.

749
00:34:16,960 --> 00:34:19,160
Speaker 4: I'm on your team. Please any pictures because I live

750
00:34:19,280 --> 00:34:23,719
Speaker 4: vicariously through girl Mums money direst Talk to me. I

751
00:34:23,719 --> 00:34:26,279
Speaker 4: feel like, yes, you're in credit card debt, but I

752
00:34:26,280 --> 00:34:30,719
Speaker 4: feel like it was inevitable given the situation. Talk to me, though,

753
00:34:30,960 --> 00:34:32,719
Speaker 4: what do you think your best money habit.

754
00:34:32,520 --> 00:34:35,280
Speaker 2: Is definitely become a points queen.

755
00:34:35,520 --> 00:34:37,560
Speaker 4: Oh okay, I love your skip.

756
00:34:38,040 --> 00:34:40,439
Speaker 2: So that was the reason to get the credit card

757
00:34:40,480 --> 00:34:43,759
Speaker 2: in the first place. For things like I've switched to

758
00:34:43,880 --> 00:34:47,480
Speaker 2: shopping at Wally's to get the everyday rewards. We're flying

759
00:34:47,520 --> 00:34:50,319
Speaker 2: for this wedding interstate, so we've been like saving up

760
00:34:50,320 --> 00:34:52,640
Speaker 2: the points for that kind of stuff. But everything we

761
00:34:52,719 --> 00:34:55,240
Speaker 2: go to buy, we go can we get points somewhere

762
00:34:55,239 --> 00:34:58,279
Speaker 2: from this one year for flight? We just did all

763
00:34:58,400 --> 00:35:00,759
Speaker 2: fly bys one year and then that at Christmas with

764
00:35:00,920 --> 00:35:04,000
Speaker 2: eight hundred dollars in flybys points. So that was how

765
00:35:04,000 --> 00:35:05,000
Speaker 2: we went Christmas shopping.

766
00:35:05,040 --> 00:35:05,840
Speaker 4: Oh, your genius.

767
00:35:06,160 --> 00:35:07,960
Speaker 2: So we're very much into points.

768
00:35:08,000 --> 00:35:10,160
Speaker 4: People like, it's a dollar here, a dollar there. Yeah,

769
00:35:10,160 --> 00:35:13,160
Speaker 4: and over a year it becomes eight hundred bucks. It's

770
00:35:13,160 --> 00:35:15,560
Speaker 4: eight hundred dollars you didn't have before, isn't it.

771
00:35:15,360 --> 00:35:17,880
Speaker 2: So very much into points and just any way that

772
00:35:17,920 --> 00:35:19,440
Speaker 2: we can get some more points.

773
00:35:19,560 --> 00:35:22,160
Speaker 4: My team and I really like doing the like double stack.

774
00:35:22,239 --> 00:35:24,399
Speaker 4: We're doing the points, but then we're also making sure

775
00:35:24,400 --> 00:35:27,040
Speaker 4: that when we accumulating points, we're also using cash back,

776
00:35:27,280 --> 00:35:30,839
Speaker 4: so we're like shot back, cash rewards, literally any of it.

777
00:35:31,000 --> 00:35:33,879
Speaker 4: Who's giving the best discount or the best cash back,

778
00:35:33,920 --> 00:35:36,520
Speaker 4: we'll use that. And I would like some Flybys points

779
00:35:36,520 --> 00:35:38,640
Speaker 4: to boot thank you. I think I've been on shop

780
00:35:38,719 --> 00:35:41,800
Speaker 4: back for I want to say three or four years

781
00:35:41,800 --> 00:35:45,560
Speaker 4: now smart and it's sitting at four hundred and seventy dollars.

782
00:35:45,600 --> 00:35:46,640
Speaker 4: That's Christmas.

783
00:35:46,960 --> 00:35:48,960
Speaker 2: But like even I did a shop the other day

784
00:35:48,960 --> 00:35:51,440
Speaker 2: and I got twenty dollars back and it was like

785
00:35:51,440 --> 00:35:53,640
Speaker 2: a Bond's order or something for one hundred bucks. And

786
00:35:53,640 --> 00:35:55,760
Speaker 2: with I think it was only a few days ago,

787
00:35:55,960 --> 00:35:58,200
Speaker 2: so with their sales and everything and end of financial year,

788
00:35:58,239 --> 00:35:59,800
Speaker 2: I got twenty dollars cash.

789
00:35:59,560 --> 00:36:03,640
Speaker 4: Backe and that money just like stockpiles over in the side.

790
00:36:03,880 --> 00:36:05,520
Speaker 4: Then you'll have a couple of hundred bucks to make

791
00:36:05,520 --> 00:36:09,000
Speaker 4: a decision with money wien. That is a good deal

792
00:36:09,600 --> 00:36:11,719
Speaker 4: on the flip side though, tell me what do you

793
00:36:11,719 --> 00:36:13,440
Speaker 4: think your worst money? Howit is?

794
00:36:13,800 --> 00:36:14,120
Speaker 2: Food?

795
00:36:14,400 --> 00:36:16,880
Speaker 4: Yeah? Same girl? Are we eating out? Are we cooking

796
00:36:16,960 --> 00:36:18,880
Speaker 4: expensively at home? What does that look like?

797
00:36:19,080 --> 00:36:20,560
Speaker 2: Now? We're going through a drive through?

798
00:36:20,600 --> 00:36:22,960
Speaker 4: Because do you follow me on Instagram? By chance?

799
00:36:23,239 --> 00:36:23,479
Speaker 2: Yes?

800
00:36:23,800 --> 00:36:25,239
Speaker 4: Have you seen how many times I go through the

801
00:36:25,320 --> 00:36:27,280
Speaker 4: McDonald's drive through? You can't stop, won't stop.

802
00:36:28,360 --> 00:36:30,640
Speaker 2: I think as soon as I also was not pregnant,

803
00:36:30,680 --> 00:36:32,840
Speaker 2: it was like, give me the soft serves and the milkshakes.

804
00:36:32,920 --> 00:36:33,400
Speaker 4: That's fair.

805
00:36:33,520 --> 00:36:35,879
Speaker 2: And also, I mean you'd think living thirty minutes out

806
00:36:35,880 --> 00:36:38,319
Speaker 2: of town means that you don't have the temptation of

807
00:36:38,360 --> 00:36:42,279
Speaker 2: the drive through. Now every time I go to town, it's

808
00:36:42,280 --> 00:36:43,360
Speaker 2: on the way out of town.

809
00:36:43,640 --> 00:36:46,759
Speaker 4: So how do you say, notice some GPAs For.

810
00:36:46,800 --> 00:36:49,400
Speaker 2: Me, it's like a vanilla milkshakeh.

811
00:36:48,640 --> 00:36:49,759
Speaker 4: A vanilla milkshake?

812
00:36:49,800 --> 00:36:50,279
Speaker 2: Do you know what?

813
00:36:50,480 --> 00:36:52,759
Speaker 4: I don't think I've ever had a vanilla milkshake? Does

814
00:36:52,800 --> 00:36:53,879
Speaker 4: it just taste like soft serve?

815
00:36:54,000 --> 00:36:54,560
Speaker 2: Pretty much?

816
00:36:54,719 --> 00:36:56,800
Speaker 4: Okay, maybe I need one of those on the way home.

817
00:36:57,320 --> 00:37:00,520
Speaker 2: Just we're going to see that on the store tonight,

818
00:37:00,560 --> 00:37:00,879
Speaker 2: you will.

819
00:37:00,920 --> 00:37:05,480
Speaker 4: I'll be like the money dist today, not naming names.

820
00:37:05,800 --> 00:37:10,040
Speaker 2: So definitely, yeah, food and sometimes with concerts and stuff.

821
00:37:10,040 --> 00:37:12,239
Speaker 2: It's like I've got to be there. Not that I

822
00:37:12,280 --> 00:37:14,799
Speaker 2: go to many, especially even regionally. It's a whole thing

823
00:37:14,840 --> 00:37:15,879
Speaker 2: to go to a concert and.

824
00:37:15,800 --> 00:37:19,000
Speaker 4: Then back to Australia. I just know that credit card

825
00:37:19,040 --> 00:37:20,960
Speaker 4: would absolutely be slammed. I'm onto you.

826
00:37:21,040 --> 00:37:23,880
Speaker 2: Well, going back a little bit, I did that whole

827
00:37:23,960 --> 00:37:26,520
Speaker 2: tailor thing, six shows. I did all of that funder

828
00:37:26,520 --> 00:37:29,920
Speaker 2: two grand, which I'm pretty impressed, with a lot of

829
00:37:29,960 --> 00:37:33,000
Speaker 2: nose bleed seats. Yeah, so you're still there, which didn't matter.

830
00:37:33,120 --> 00:37:35,000
Speaker 2: I feel like it didn't matter how far back you where.

831
00:37:35,000 --> 00:37:36,759
Speaker 2: It was still the same vibe. I didn't sit on

832
00:37:36,760 --> 00:37:39,480
Speaker 2: the floor all but I sat probably every angle of

833
00:37:40,000 --> 00:37:42,520
Speaker 2: stadiums and didn't matter I was you were in the room.

834
00:37:42,680 --> 00:37:43,560
Speaker 2: It really didn't matter.

835
00:37:44,520 --> 00:37:46,839
Speaker 4: I love that for you so much. Is there any

836
00:37:46,840 --> 00:37:49,160
Speaker 4: other worse money habits to share? I feel like that's

837
00:37:49,200 --> 00:37:50,239
Speaker 4: probably sufficient.

838
00:37:50,400 --> 00:37:50,880
Speaker 2: I think so.

839
00:37:51,239 --> 00:37:53,960
Speaker 4: I feel like you're killing it though, Like you are

840
00:37:54,280 --> 00:37:57,200
Speaker 4: an EA in local government, which is really secure job

841
00:37:57,239 --> 00:37:59,920
Speaker 4: eighty eight grandy year plus super and it's good super.

842
00:38:00,680 --> 00:38:03,480
Speaker 4: You've been through a shitload and to only have eleven

843
00:38:03,520 --> 00:38:06,759
Speaker 4: grand of like credit card dead and also you're like

844
00:38:07,160 --> 00:38:10,920
Speaker 4: within the process of like upgrading your home at some point,

845
00:38:10,920 --> 00:38:13,520
Speaker 4: I feel like you're fine. Yes, that would probably be

846
00:38:13,600 --> 00:38:15,640
Speaker 4: stressful when you look at it at three am, because

847
00:38:15,640 --> 00:38:18,040
Speaker 4: we've all got blinkers on and that gives us anxiety. Right,

848
00:38:18,320 --> 00:38:21,360
Speaker 4: But I feel like in the big picture, like sometimes

849
00:38:21,400 --> 00:38:24,200
Speaker 4: when you have kids, we do financially have to take

850
00:38:24,200 --> 00:38:27,279
Speaker 4: a step back because it is hard, Like it is

851
00:38:27,360 --> 00:38:29,839
Speaker 4: not easy to go through that process and go you've

852
00:38:29,840 --> 00:38:33,680
Speaker 4: done it twice in the last few years, like two babies,

853
00:38:33,719 --> 00:38:36,080
Speaker 4: two periods of time where you've had time off, two

854
00:38:36,160 --> 00:38:39,120
Speaker 4: periods of time out of the workforce, Like that's stressful

855
00:38:39,160 --> 00:38:42,000
Speaker 4: and expensive. Then you said, look, I'm a SEA. But

856
00:38:42,040 --> 00:38:45,160
Speaker 4: then you're like, also, I'm a points queen, Like, girl,

857
00:38:45,200 --> 00:38:47,120
Speaker 4: get it together. Are you a points queen or are

858
00:38:47,120 --> 00:38:47,520
Speaker 4: you a C?

859
00:38:48,160 --> 00:38:49,520
Speaker 2: Maybe we'll bump up to a B.

860
00:38:49,920 --> 00:38:53,040
Speaker 4: I feel like a B is far more reasonable. Like, also,

861
00:38:53,120 --> 00:38:56,360
Speaker 4: it sounds like you and your husband are really savvy

862
00:38:56,400 --> 00:38:58,640
Speaker 4: when it comes to finances, Like you planned a wedding

863
00:38:58,680 --> 00:39:01,680
Speaker 4: in eight weeks with deer. Do you remember what you

864
00:39:01,719 --> 00:39:03,560
Speaker 4: spent on your wedding? Because I have a sneaky suspicion

865
00:39:03,600 --> 00:39:04,839
Speaker 4: it wasn't one hundred grand I.

866
00:39:04,760 --> 00:39:10,160
Speaker 2: Think we spent eight c She's sadly my dress cost

867
00:39:10,160 --> 00:39:12,480
Speaker 2: My husband's outfit costs more than me because he needed

868
00:39:12,520 --> 00:39:15,719
Speaker 2: new boots, new jeans, new shirt, new hat. I wore

869
00:39:15,840 --> 00:39:18,440
Speaker 2: the same boots I always have, and my dress was

870
00:39:18,840 --> 00:39:21,359
Speaker 2: I want to say, one hundred and sixty.

871
00:39:21,040 --> 00:39:23,560
Speaker 4: Dollars on my what that is money?

872
00:39:23,560 --> 00:39:26,040
Speaker 2: We and I'd bought it for my pregnant body because

873
00:39:26,040 --> 00:39:27,520
Speaker 2: I still and I still had a bump on my

874
00:39:27,560 --> 00:39:30,720
Speaker 2: wedding day because I hadn't gone. I think the most

875
00:39:30,719 --> 00:39:34,320
Speaker 2: of that eight grand was probably the celebrant and the alcohol,

876
00:39:34,480 --> 00:39:36,440
Speaker 2: and even that we had so much leftover.

877
00:39:36,640 --> 00:39:38,640
Speaker 4: And so did you guys cater I'm just so pervy.

878
00:39:38,640 --> 00:39:40,919
Speaker 4: Did you guys cater that like yourselves? Because you said

879
00:39:40,920 --> 00:39:42,920
Speaker 4: that it was at a friend's farm, right.

880
00:39:42,880 --> 00:39:45,040
Speaker 2: Yeah, so my father in law, Owen's a butcher shop.

881
00:39:45,400 --> 00:39:46,160
Speaker 4: Okay, nice.

882
00:39:46,440 --> 00:39:49,360
Speaker 2: So we had literally the ovens, did all the meat everything.

883
00:39:49,440 --> 00:39:52,640
Speaker 2: So one of our friends did all the catering. We

884
00:39:52,760 --> 00:39:53,920
Speaker 2: just ran it on generators.

885
00:39:54,040 --> 00:39:56,239
Speaker 4: I'm a cea, but you're a genius. I love it.

886
00:39:56,280 --> 00:39:58,319
Speaker 4: I love it. I hope that in the future, when

887
00:39:58,360 --> 00:40:01,279
Speaker 4: you're back down for a future Taylor's with concept, we

888
00:40:01,320 --> 00:40:03,520
Speaker 4: get to run into each other in person, because I

889
00:40:03,560 --> 00:40:05,120
Speaker 4: just feel like you and I are going to get along,

890
00:40:05,600 --> 00:40:08,120
Speaker 4: Like I think that you are a queen, and I'm

891
00:40:08,120 --> 00:40:10,919
Speaker 4: just so excited to share your story at the same

892
00:40:10,960 --> 00:40:13,360
Speaker 4: time as just feeling like we need to be talking

893
00:40:13,360 --> 00:40:16,239
Speaker 4: about these topics so much more, like we shouldn't just

894
00:40:16,280 --> 00:40:17,960
Speaker 4: be sweeping them under the rug. Like I want to

895
00:40:18,000 --> 00:40:19,960
Speaker 4: know about your daughters, I want to know about what's

896
00:40:20,000 --> 00:40:22,720
Speaker 4: going on, but I also want to know how hard

897
00:40:22,719 --> 00:40:25,719
Speaker 4: it is financially when you go through those things, Like

898
00:40:26,320 --> 00:40:28,319
Speaker 4: I hate the idea that you had to go back

899
00:40:28,360 --> 00:40:30,640
Speaker 4: to work when you weren't ready, and I feel like

900
00:40:30,680 --> 00:40:32,520
Speaker 4: that's not like, oh, I had to go back to

901
00:40:32,600 --> 00:40:34,960
Speaker 4: work too, because my daughter had to go into day care,

902
00:40:35,120 --> 00:40:39,040
Speaker 4: Like it's a completely different story. Like mentally, physically, all

903
00:40:39,080 --> 00:40:41,160
Speaker 4: of those things, you were just not ready, And I

904
00:40:41,200 --> 00:40:43,920
Speaker 4: think that financially there should be so much more support

905
00:40:44,040 --> 00:40:44,760
Speaker 4: in that area.

906
00:40:45,000 --> 00:40:46,080
Speaker 2: Yeah, completely agree.

907
00:40:46,160 --> 00:40:47,520
Speaker 4: Thank you for sharing your story.

908
00:40:47,600 --> 00:40:49,680
Speaker 2: Thank you for being an avenue to be able to

909
00:40:49,680 --> 00:40:51,080
Speaker 2: share my story. I appreciate it.

910
00:40:51,239 --> 00:40:54,000
Speaker 4: Of course, of course, you guys are always safety at

911
00:40:54,040 --> 00:40:56,560
Speaker 4: Money Darst. It has been a pleasure. Thank you so much.

912
00:40:56,600 --> 00:40:58,480
Speaker 4: I know that the community is going to love hearing

913
00:40:58,520 --> 00:41:00,400
Speaker 4: from you as much as I've loved hanging out with

914
00:41:00,440 --> 00:41:00,880
Speaker 4: you today.

915
00:41:00,960 --> 00:41:01,319
Speaker 2: Thank you.

916
00:41:07,920 --> 00:41:10,480
Speaker 4: The advice shared on She's on the Money is general

917
00:41:10,520 --> 00:41:14,400
Speaker 4: in nature and does not consider your individual circumstances. She's

918
00:41:14,440 --> 00:41:17,840
Speaker 4: on the Money exists purely for educational purposes and should

919
00:41:17,920 --> 00:41:21,080
Speaker 4: not be relied upon to make an investment or financial decision.

920
00:41:21,480 --> 00:41:23,920
Speaker 4: If you do choose to buy a financial product, read

921
00:41:23,960 --> 00:41:28,120
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

922
00:41:28,120 --> 00:41:31,400
Speaker 4: your needs. Victoria Divine and She's on the Money are

923
00:41:31,480 --> 00:41:35,839
Speaker 4: authorized representatives of money sirper Pty Ltd A b N

924
00:41:36,040 --> 00:41:39,200
Speaker 4: three two one six four nine two seven seven zero

925
00:41:39,280 --> 00:41:48,160
Speaker 4: eight AFFL four five one two eight nine