WEBVTT - When the Unimaginable Happens

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<v Speaker 1>My name is Aatasha Bamblet. I'm a proud First Nations

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<v Speaker 1>woman and I'm here to acknowledge country t Glenn Young

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<v Speaker 1>Ganya Nianar kaka ya Ya bin Ahaka nian Ar gay

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<v Speaker 1>In Nimbina, yakarum jar Dominyamka Domaga Ithawakaman damon Imlan bomber

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<v Speaker 1>bang Gadabomba in and now in wakah ghana on yak

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<v Speaker 1>rum jar Watnadaa. Hello, beautiful friends, we gather on the

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<v Speaker 1>lands of the Aboriginal people. We thank acknowledge and respect

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

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<v Speaker 1>pleasure in all the land and respect all that you see.

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

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<v Speaker 1>bringing you the tools, knowledge and resources for you to thrive.

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<v Speaker 2>She's on the Money.

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<v Speaker 3>She's on the Money.

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<v Speaker 4>Hello, and welcome to She's on the Money, the podcast

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<v Speaker 4>that lets you be pervy about other people's money habits

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<v Speaker 4>for educational purposes, of course. Welcome back to another one

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<v Speaker 4>of our money Darius, where I get the absolute pleasure

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<v Speaker 4>of sitting down and talking to one of our beautiful

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

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<v Speaker 4>Let's jump straight into it, because this week I got

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<v Speaker 4>a message and it sounded exactly like this dear, she's

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<v Speaker 4>on the money after going through one of the hardest

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<v Speaker 4>things you can go through. I wanted to share my

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<v Speaker 4>story in the hope it helps other mums navigating similar challenges.

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<v Speaker 4>I always thought I was doing okay with money. My

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<v Speaker 4>husband and I saved forty grand in six months and

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<v Speaker 4>moved five hours out of the city to buy our

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<v Speaker 4>first home. I thought we were on track, but after

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<v Speaker 4>the still birth of our daughter, everything changed. The banks

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<v Speaker 4>want to help, and my workplace didn't know how to

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<v Speaker 4>support me. I had no idea how many financial hurdles

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<v Speaker 4>I'd face while also grieving. Now, I want to raise

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<v Speaker 4>awareness of what financial systems look like in moments like this.

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<v Speaker 4>Money Diarist, welcome to the show.

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<v Speaker 2>Thank you for having me.

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<v Speaker 4>Oh my god, I feel so privileged that you want

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<v Speaker 4>to share your child's story with us and you want

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<v Speaker 4>to talk to me. Oh, I just I know that

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<v Speaker 4>that's probably not how but like, thank you for wanting

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<v Speaker 4>to chat to us.

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

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<v Speaker 2>and my journey now that I've been through what I've

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<v Speaker 2>been through and hopefully educate a bit more to everybody.

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<v Speaker 4>Well, before I jump into the deeper questions, what great

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<v Speaker 4>would you give you? Money? Habits from A three to F.

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<v Speaker 2>If I asked right now, I'm a C.

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

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<v Speaker 4>I need to be canceled, honestly. But money diarist, can

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<v Speaker 4>you tell me a little bit more about your journey?

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<v Speaker 2>So I grew up feeling, you know, not ever worried

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

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<v Speaker 2>it was always a safe money environment. There was never

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<v Speaker 2>any issues. I grew up always watching my mom do

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<v Speaker 2>a budget on a spreadsheet, and to this day she

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<v Speaker 2>still does it. She still calls me once a month

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<v Speaker 2>says I'm doing my budget today. So I grew up,

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<v Speaker 2>you know, watching mom did that, and I have a

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<v Speaker 2>memory of we won five thousand dollars once in the

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<v Speaker 2>early two thousands, and that was a huge deal.

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

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<v Speaker 2>So my parents like paid a heap off the mortgage,

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<v Speaker 2>but we got one hundred dollars each meet my brother

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<v Speaker 2>and I.

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<v Speaker 4>That would have felt like a thousand at that point, I.

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<v Speaker 2>Went and bought a Pokemon Gold Gain for my game

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<v Speaker 2>Boy Color and I thought it was the best thing ever.

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<v Speaker 2>So yeah, good journey of money growing up, always felt safe.

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<v Speaker 2>Left school, took a little while to get to my

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<v Speaker 2>career and finally settled in that in about twenty seventeen,

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<v Speaker 2>and slowly worked my way up and just kept working,

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<v Speaker 2>taking a few holidays here and there, and then when

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<v Speaker 2>the pandemic kit, I was very lucky kept my job,

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<v Speaker 2>worked from home, actually got promoted during that time. In

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<v Speaker 2>between some lockdowns is when I met my now husband.

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<v Speaker 4>For you'd how did you guys meet?

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<v Speaker 2>We met in real life?

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<v Speaker 4>Oh? What the hell? Yeah, so through a lockdown you

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<v Speaker 4>met in real life. That just feels like almost fake,

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<v Speaker 4>my love.

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<v Speaker 2>It was in between some lockdowns, but it was still

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<v Speaker 2>in the rules where you couldn't stand. You had to

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<v Speaker 2>be sitting at bars and clubs and all that kind

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<v Speaker 2>of stuff. So we met like we weren't both planning

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<v Speaker 2>to go to that establishment that night, but things went

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<v Speaker 2>that way, and he came and sat at my table

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<v Speaker 2>because I looked bored.

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<v Speaker 4>So whoever you were with wasn't entertainment as much as good.

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<v Speaker 2>So we got chatting, swapped Instagrams, and then had our

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<v Speaker 2>first date a week later.

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<v Speaker 4>Kids, these days, you don't swap numbers.

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<v Speaker 2>No, we swapped Instagram so he felt a number was

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<v Speaker 2>too forward and the snapchat was too seedy. So Instagram

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<v Speaker 2>is where we went.

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<v Speaker 4>I like that there's a middle ground for us now.

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<v Speaker 2>We very quickly met and spoke about how we didn't

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<v Speaker 2>really want to live in the big city anymore. And

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<v Speaker 2>after knowing each other for six months, my lease was

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<v Speaker 2>running up where I was living in a sharehouse, and

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

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<v Speaker 2>with his parents and we knuckled down and saved forty grand.

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<v Speaker 4>That's how you saved the forty grand. That's a lot

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

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<v Speaker 4>moving in with the brand new in laws. Was that

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<v Speaker 4>challenging because I feel like I would have been so anxious,

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<v Speaker 4>like girl, I don't know. I feel like it took

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<v Speaker 4>literal years for me to go, Oh, I don't have

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<v Speaker 4>to be so highly strung around my husband's sperience.

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<v Speaker 2>It was definitely experience. It's also like moving from a

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<v Speaker 2>sharehouse to like a bedroom and all that kind of stuff.

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<v Speaker 2>So putting stuff in storage and downsizing a little bit,

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<v Speaker 2>but we knew it was going to be worth it

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<v Speaker 2>to get out and move. So in early twenty twenty two,

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<v Speaker 2>we bought our house remotely. We didn't actually see it

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<v Speaker 2>in person. We had to just do a FaceTime because

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<v Speaker 2>things were moving so quickly that when we saw it

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<v Speaker 2>pop up online, we called them that afternoon. They said,

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<v Speaker 2>come look at it tomorrow, and we said we live

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<v Speaker 2>five hours away, so we got a FaceTime the next day.

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<v Speaker 4>Oh my goodness. Property can be so hard, and that

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<v Speaker 4>just puts even more pressure on you, Like you just go,

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<v Speaker 4>oh goodness, Like we're gonna have to do this FaceTime,

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<v Speaker 4>make a decision really quickly. And I'm sure that they

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

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<v Speaker 2>Yeah, there was someone else at the house when they

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<v Speaker 2>were walking us through virtually. Oh so we very quickly

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<v Speaker 2>put in an offer twenty grand over asking, but we

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<v Speaker 2>still bought our first house for four hundred thousand dollars.

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<v Speaker 4>Hey that's good.

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<v Speaker 2>Yeah. So it was a four bedroom, reasonably like rashly painted,

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<v Speaker 2>had a pool, had a little shed, had a big yard.

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<v Speaker 2>So we were like, yeah, compared to you know Sydney

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<v Speaker 2>to out here. We were like dawn, you.

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<v Speaker 4>Like six seven months from a sharehouse to buying a

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<v Speaker 4>house with a pool. I love this for you.

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<v Speaker 2>We were pretty proud of ourselves. A lot of people

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<v Speaker 2>were still like, what are you doing? But that's what

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<v Speaker 2>we wanted to do. We didn't want to be in

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<v Speaker 2>the big city anymore. We want a different lifestyle, and

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<v Speaker 2>we up and moved up here.

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<v Speaker 4>So early twenty twenty two, you bought how long was

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<v Speaker 4>your settlement was at like normal standard three months?

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<v Speaker 2>It was standard, but we had early access so we

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<v Speaker 2>could every weekend we literally on the Friday night, we'd

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

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<v Speaker 2>come up, do stuff in the house, see our friends,

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<v Speaker 2>and then drive back to Sydney on the Sunday.

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<v Speaker 4>Hey, not bad, but also you do what you've got

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<v Speaker 4>to do right or you don't miss those days though.

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<v Speaker 4>Exciting but also a long slog.

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<v Speaker 2>Yeah. So well, I moved up in July twenty twenty two,

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<v Speaker 2>but my partner was a truck driver at the time,

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<v Speaker 2>so he kept working in Sydney, so I was by

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<v Speaker 2>myself at home in a new job too. I got

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<v Speaker 2>a new job at that time, and I lived up

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<v Speaker 2>here by myself during the week for the first six

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<v Speaker 2>months of us moved up here.

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<v Speaker 4>So you've been together six months, you buy a house,

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<v Speaker 4>you live together for another six months. At what point

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<v Speaker 4>does this man that asked for your Instagram come your husband?

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<v Speaker 2>So he then proposed in September of twenty twenty three,

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<v Speaker 2>and at this point we were pregnant with our first child.

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<v Speaker 2>So we fell pregnant in the May of twenty twenty three,

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<v Speaker 2>and he proposed over breakfast, and he organized the whole

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<v Speaker 2>thing from his truck while he was driving. He got

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<v Speaker 2>his mum to go by get the ring. He asked

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<v Speaker 2>for permission with a ten pack of Jack Daniels to

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<v Speaker 2>my dad's place, all that kind of stuff.

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<v Speaker 4>That's so sweet.

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<v Speaker 2>Organized it all remotely, and.

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<v Speaker 4>Is that like a proposal that you were like, this

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<v Speaker 4>is so me Yes, oh I love that.

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

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<v Speaker 2>do you want to go for breakfast? And I chose

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

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

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<v Speaker 2>But it actually ended up being nice because I was

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<v Speaker 2>like overlooking a park and all that kind of stuff.

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<v Speaker 4>So it's so cute.

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<v Speaker 2>So yeah, so that's September of twenty twenty three, and

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

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<v Speaker 2>have the same last name, all that stuff before the

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<v Speaker 2>baby come. So the baby was due.

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<v Speaker 4>Because you got you were pregnant in May, right, and

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<v Speaker 4>then you go.

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<v Speaker 2>Yeah, so the baby was due on Valentine's Day of

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<v Speaker 2>twenty twenty four.

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<v Speaker 4>How was your pregnancy because I feel like sometimes.

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<v Speaker 2>I was really crook, so and then you know, when

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<v Speaker 2>you look back and find out why I was really crook.

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<v Speaker 2>And we got to mid November, so we were getting

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<v Speaker 2>married mid November, organized it all. We did full DIY

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<v Speaker 2>on a friend's farm.

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<v Speaker 4>Oh my god, girl, you were pregnant and planning a wedding,

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<v Speaker 4>and you would have been like heavily pregnant.

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<v Speaker 2>I was. We got married, I was twenty seven weeks.

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<v Speaker 4>That's a lot of weeks, especially if you're feeling a

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<v Speaker 4>bit trashy.

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

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<v Speaker 2>Getting follow ups and all that kind of stuff. Went

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<v Speaker 2>to have a scan on a different part of my stomach,

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<v Speaker 2>and that part was near where the baby lives, and unfortunately,

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

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<v Speaker 2>I was twenty six weeks.

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<v Speaker 4>Twenty six No, Oh my goodness, Like, I don't know

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

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<v Speaker 4>going to try and say that I do, because it

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<v Speaker 4>is so different to anything I've ever been through. But

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<v Speaker 4>just the idea that you weren't prepared for that like,

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<v Speaker 4>it's not as though I can't explain it. But having

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<v Speaker 4>been through unfortunately now me four miscarriages that were quite

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<v Speaker 4>late term for two of them, there were things that

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<v Speaker 4>I was like, oh, I'm just feeling as though this

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

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<v Speaker 4>And then they were like, by the way, oh the

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<v Speaker 4>fact that you didn't even go there is reduced movements

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<v Speaker 4>or I just I really feel like something's up. You

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<v Speaker 4>just got completely blindsided a girl. That is not fair.

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<v Speaker 2>I was told I had an interior placenter, so I

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<v Speaker 2>was told you won't feel much, So me not feeling

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<v Speaker 2>much was normal. So on the Saturday afternoon, I went, oh,

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<v Speaker 2>I felt a kick, And then the Sunday I went,

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<v Speaker 2>I haven't felt much. And you know, if you were

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<v Speaker 2>told not to don't worry, go in Monday afternoon for

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<v Speaker 2>a scan on my kidneys and my bladder because I

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<v Speaker 2>was crooked and that's when they found out. So this

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<v Speaker 2>is Monday afternoon.

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<v Speaker 4>Oh far, I'm so.

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<v Speaker 2>So we get up to the hospital this Monday afternoon.

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<v Speaker 2>My husband's just gotten back from thankfully driving back home

0:11:07.720 --> 0:11:11.480
<v Speaker 2>not to Sydney. Tell him, jump in the car up

0:11:11.520 --> 0:11:14.120
<v Speaker 2>to the hospital, get up to the hospital, and they

0:11:14.160 --> 0:11:17.160
<v Speaker 2>say you have to give birth. No, and I just

0:11:17.200 --> 0:11:20.440
<v Speaker 2>went okay. That's because I was not educated at all

0:11:20.679 --> 0:11:22.480
<v Speaker 2>about what happens when this happens.

0:11:22.880 --> 0:11:24.800
<v Speaker 4>But you don't know what you don't know, and in

0:11:24.840 --> 0:11:27.480
<v Speaker 4>the nice way, ever, it's kind of nice that you've

0:11:27.520 --> 0:11:29.360
<v Speaker 4>not had any experience of this.

0:11:29.360 --> 0:11:32.760
<v Speaker 2>Before, reflecting. All I got was a pamphlet sometime in

0:11:32.800 --> 0:11:35.560
<v Speaker 2>my pregnancy saying still birth might happen to you, and

0:11:35.600 --> 0:11:38.280
<v Speaker 2>that was it. So I get up to the hospital

0:11:38.280 --> 0:11:40.760
<v Speaker 2>and we're chatting through when I'm going to give birth,

0:11:40.800 --> 0:11:44.480
<v Speaker 2>and that's when I dropped that we get married that Saturday, yeap,

0:11:45.920 --> 0:11:49.800
<v Speaker 2>So we very quickly had to put a plan into place.

0:11:50.760 --> 0:11:53.280
<v Speaker 2>So that was the Monday night. I went back to

0:11:53.360 --> 0:11:56.760
<v Speaker 2>hospital the Wednesday and I gave birth to my beautiful

0:11:56.760 --> 0:11:57.280
<v Speaker 2>little girl.

0:11:57.400 --> 0:11:59.199
<v Speaker 4>Did you get to spend much time with her?

0:11:59.440 --> 0:12:03.280
<v Speaker 2>Yes? Yeah, and she was the most beautiful little thing.

0:12:03.360 --> 0:12:06.000
<v Speaker 2>She's got a cutes little nose. So I spent some

0:12:06.120 --> 0:12:08.199
<v Speaker 2>time with her, and then I had to stay in

0:12:08.240 --> 0:12:11.640
<v Speaker 2>hospital until Friday. Of course, so my husband went, I

0:12:11.679 --> 0:12:13.360
<v Speaker 2>need to be busy, so he left and did all

0:12:13.400 --> 0:12:18.480
<v Speaker 2>the wedding stuff, so the marquee, portoloo, the food, the alcohol,

0:12:18.520 --> 0:12:20.800
<v Speaker 2>all that kind of stuff. So he went kept himself

0:12:20.800 --> 0:12:21.280
<v Speaker 2>busy with.

0:12:21.240 --> 0:12:24.360
<v Speaker 4>That, honestly, fair Like, I get wanting to be busy,

0:12:24.559 --> 0:12:27.360
<v Speaker 4>but at the same time, I'm assuming every single person

0:12:27.360 --> 0:12:29.240
<v Speaker 4>going to your wedding knew that you were having a baby.

0:12:29.400 --> 0:12:33.200
<v Speaker 2>Yes, we had kept the pregnancy quiet until twenty weeks. Yeah,

0:12:33.360 --> 0:12:36.520
<v Speaker 2>and then but everyone so that that's when all our

0:12:36.520 --> 0:12:39.079
<v Speaker 2>family on what the Tuesday, said are we coming up now?

0:12:39.120 --> 0:12:41.400
<v Speaker 2>And we said, no, leave us. We'll do this by ourselves.

0:12:41.440 --> 0:12:44.440
<v Speaker 2>And so we did all the giving birth by ourselves.

0:12:44.440 --> 0:12:47.200
<v Speaker 2>But friends popped around to the house to check on

0:12:47.240 --> 0:12:49.920
<v Speaker 2>the dogs, for example, because you just we just dropped

0:12:49.960 --> 0:12:52.679
<v Speaker 2>everything and ran and I just was told to rock

0:12:52.720 --> 0:12:54.520
<v Speaker 2>up to the wedding really in my dress, which is

0:12:54.559 --> 0:12:55.000
<v Speaker 2>what I did.

0:12:55.160 --> 0:12:58.320
<v Speaker 4>Stop and what is that like? Because like, you're marrying

0:12:58.320 --> 0:13:01.040
<v Speaker 4>the love of your life, right, you are the man,

0:13:01.120 --> 0:13:04.960
<v Speaker 4>I'm assuming of your dreams and that was like something

0:13:05.000 --> 0:13:08.200
<v Speaker 4>that you look forward to and I'm sure since you

0:13:08.200 --> 0:13:09.760
<v Speaker 4>were little, you're like, one day, I'm gonna have the

0:13:09.760 --> 0:13:12.040
<v Speaker 4>big light dress. I'm gonna have a wedding, and like

0:13:12.280 --> 0:13:14.320
<v Speaker 4>you guys were so excited to get married. It was

0:13:14.360 --> 0:13:16.079
<v Speaker 4>like September to November.

0:13:16.320 --> 0:13:18.319
<v Speaker 2>It was an eight weeks that I planned a wedding.

0:13:18.400 --> 0:13:21.439
<v Speaker 4>Yeah, hustling to get married, and like there was probably

0:13:21.520 --> 0:13:22.840
<v Speaker 4>I don't know, I feel like it's a little bit

0:13:22.920 --> 0:13:25.480
<v Speaker 4>romantic if you're pregnant and then getting married, because it's

0:13:25.520 --> 0:13:27.840
<v Speaker 4>just it's a love bubble. Like you're in this bubble

0:13:27.880 --> 0:13:29.679
<v Speaker 4>of like we're having a baby, we're getting married, We're

0:13:29.679 --> 0:13:33.200
<v Speaker 4>doing literally everything all at once. What's that like? Like

0:13:33.240 --> 0:13:34.560
<v Speaker 4>I'm going to cry like I did.

0:13:35.480 --> 0:13:38.280
<v Speaker 2>Oh, it was a rollercoaster. I think I had not

0:13:38.360 --> 0:13:40.760
<v Speaker 2>really been alone until I had an hour before I

0:13:40.760 --> 0:13:42.320
<v Speaker 2>had to get ready for the wedding, and I just

0:13:42.360 --> 0:13:46.000
<v Speaker 2>sat there and I just went what has happened over

0:13:46.000 --> 0:13:49.600
<v Speaker 2>the last week? And one of my cats had come

0:13:49.679 --> 0:13:51.760
<v Speaker 2>up to me and crawled up and noticed that the

0:13:52.240 --> 0:13:54.400
<v Speaker 2>like she used to crawl up on my tummy and

0:13:54.440 --> 0:13:57.880
<v Speaker 2>now she noticed there was nothing there, and that like

0:13:58.000 --> 0:13:59.360
<v Speaker 2>her look on her face and she's.

0:13:59.240 --> 0:14:01.679
<v Speaker 4>A cat, it's creepy.

0:14:01.720 --> 0:14:05.320
<v Speaker 2>Hey. Yeah, So yeah, I just kind of I drove

0:14:05.320 --> 0:14:07.280
<v Speaker 2>myself to hair and makeup and drove myself up to

0:14:07.320 --> 0:14:10.280
<v Speaker 2>the wedding, got changed at a friend's house around the corner,

0:14:10.440 --> 0:14:14.560
<v Speaker 2>and then walked down the aisle and we spoke to

0:14:14.600 --> 0:14:17.240
<v Speaker 2>our celebrant the day I was giving birth and told

0:14:17.320 --> 0:14:20.560
<v Speaker 2>her what was going on, and she was amazing. She's like, Okay,

0:14:20.640 --> 0:14:22.520
<v Speaker 2>what are we doing here? What do you want mentioned?

0:14:22.560 --> 0:14:24.360
<v Speaker 2>What do you don't want mentioned? So we kind of

0:14:24.360 --> 0:14:27.680
<v Speaker 2>started the day like, you know, we reflect on what's happened,

0:14:27.920 --> 0:14:30.840
<v Speaker 2>and because of what's happened, it shows how strong these

0:14:30.840 --> 0:14:35.160
<v Speaker 2>two love each other. And we associate my daughter with butterflies,

0:14:35.280 --> 0:14:37.840
<v Speaker 2>so you know, we talked about the butterflies that were

0:14:37.840 --> 0:14:39.800
<v Speaker 2>circling all that day stop.

0:14:39.520 --> 0:14:41.440
<v Speaker 4>And of course they were, and I bet they just

0:14:41.560 --> 0:14:42.280
<v Speaker 4>hung out the.

0:14:42.240 --> 0:14:44.160
<v Speaker 2>Whole day for no reall one hit me in the

0:14:44.160 --> 0:14:47.360
<v Speaker 2>face as I was getting photos done. Yeah. So then

0:14:47.360 --> 0:14:49.800
<v Speaker 2>we got married, and then then after that you then

0:14:50.040 --> 0:14:52.160
<v Speaker 2>sit down and go, Okay, what do you do. Now

0:14:52.160 --> 0:14:55.960
<v Speaker 2>we're married, and my husband had to go back into work.

0:14:56.000 --> 0:14:57.960
<v Speaker 2>You took a few more days off, it went straight

0:14:58.000 --> 0:15:01.000
<v Speaker 2>back into work. Was actually starting a new job as well,

0:15:01.480 --> 0:15:03.280
<v Speaker 2>which meant you would be home all the time, which

0:15:03.320 --> 0:15:06.720
<v Speaker 2>was great. But I remember also having to call my

0:15:06.800 --> 0:15:10.080
<v Speaker 2>work and explaining. I said, my daughter's been born sleeping

0:15:10.280 --> 0:15:12.400
<v Speaker 2>and my workplace said, what does that mean?

0:15:12.680 --> 0:15:14.880
<v Speaker 4>How do you guys not know what that means?

0:15:15.280 --> 0:15:18.120
<v Speaker 2>So that was really that was something to navigate, and

0:15:19.240 --> 0:15:24.960
<v Speaker 2>they didn't know what the options were. So thankfully now

0:15:25.040 --> 0:15:27.200
<v Speaker 2>we've been through all the options, they have all the

0:15:27.280 --> 0:15:31.440
<v Speaker 2>detail because I'm very strong about educating that this is

0:15:31.480 --> 0:15:35.200
<v Speaker 2>going to happen and for people to be prepared in

0:15:35.240 --> 0:15:36.560
<v Speaker 2>all shapes of life.

0:15:36.600 --> 0:15:41.440
<v Speaker 4>One hundred percent. So that happens, you obviously take some

0:15:41.560 --> 0:15:44.880
<v Speaker 4>time off work. Then what does life look like after that?

0:15:45.280 --> 0:15:49.560
<v Speaker 2>So in Australia, after twenty weeks or if a baby

0:15:49.600 --> 0:15:52.240
<v Speaker 2>is born over four hundred grands, it's classified as is

0:15:52.280 --> 0:15:54.880
<v Speaker 2>stillborn and therefore they get a birth certificate and you're

0:15:55.040 --> 0:15:59.400
<v Speaker 2>entitled to the government benefits. So I had two options,

0:15:59.440 --> 0:16:02.400
<v Speaker 2>which was the normal paid print or leave that every

0:16:02.600 --> 0:16:05.080
<v Speaker 2>parent can take, or a still born payout, which is

0:16:05.120 --> 0:16:08.920
<v Speaker 2>around four thousand dollars last time I checked, which is recently,

0:16:09.440 --> 0:16:12.480
<v Speaker 2>which for me was about a month's salary. And I

0:16:12.520 --> 0:16:13.960
<v Speaker 2>looked at it and I went, I don't think I

0:16:13.960 --> 0:16:17.120
<v Speaker 2>can just go back to work after Christmas. So I

0:16:17.360 --> 0:16:20.160
<v Speaker 2>decided to do the paid print or leave option, but

0:16:20.840 --> 0:16:23.200
<v Speaker 2>that just wasn't enough, So I ended up going back

0:16:23.240 --> 0:16:25.800
<v Speaker 2>to work two months earlier then I had hoped.

0:16:25.840 --> 0:16:28.040
<v Speaker 4>But you also probably had a bit more freedom and

0:16:28.080 --> 0:16:30.840
<v Speaker 4>flexibility than the fore grand payout. Is that right?

0:16:31.160 --> 0:16:34.480
<v Speaker 2>Yeah, I had the option. Like, my husband has made

0:16:34.480 --> 0:16:37.800
<v Speaker 2>me a very strong person, and he said, if you're

0:16:37.800 --> 0:16:39.200
<v Speaker 2>going to take time off, what are you going to do?

0:16:39.560 --> 0:16:42.520
<v Speaker 2>So I did put in effort to like going to

0:16:42.600 --> 0:16:44.600
<v Speaker 2>the gym and doing little bit for me, made sure

0:16:44.640 --> 0:16:46.680
<v Speaker 2>I did everything every day. I'm a very big tailor

0:16:46.680 --> 0:16:48.960
<v Speaker 2>Swift fan, so I spent a lot of time making

0:16:49.480 --> 0:16:52.640
<v Speaker 2>friendship bracelets because I wasn't going to get to go

0:16:52.680 --> 0:16:55.720
<v Speaker 2>to the ears too, because I was due exactly when

0:16:55.760 --> 0:16:59.600
<v Speaker 2>she was here. So when everything happened, my friends all

0:16:59.640 --> 0:17:03.400
<v Speaker 2>came to and I got to go thankfully six times.

0:17:04.359 --> 0:17:09.160
<v Speaker 4>Actually yes, oh my goodness, your friend came in clutch.

0:17:09.640 --> 0:17:12.000
<v Speaker 2>So I got to come down to Melbourne for three

0:17:12.000 --> 0:17:13.879
<v Speaker 2>shows and I went to Sydney for three shows, and

0:17:14.000 --> 0:17:16.960
<v Speaker 2>it's just the most it was the most healing thing

0:17:17.040 --> 0:17:20.560
<v Speaker 2>because I'm very big, swifty, seen her multiple times and

0:17:20.720 --> 0:17:24.000
<v Speaker 2>all my friends made me a bracelet with my daughter's name,

0:17:24.320 --> 0:17:27.480
<v Speaker 2>you stop. So this arm was full of bracelets with

0:17:27.520 --> 0:17:32.040
<v Speaker 2>her name, which was beautiful. So just it was a

0:17:32.160 --> 0:17:36.440
<v Speaker 2>very healing time. And then yeah, I actually fell pregnant

0:17:36.480 --> 0:17:39.920
<v Speaker 2>again just before I left for the ears to us stop, that's.

0:17:39.760 --> 0:17:43.679
<v Speaker 4>So special as well? What's that like? Like, what is

0:17:43.720 --> 0:17:48.520
<v Speaker 4>it like having gone through that and then finding out

0:17:48.560 --> 0:17:52.359
<v Speaker 4>you're pregnant again because you know again And I'm not

0:17:52.400 --> 0:17:54.280
<v Speaker 4>trying to make this about me. I think this is

0:17:54.320 --> 0:17:57.679
<v Speaker 4>definitely a completely different story. But like I am the

0:17:57.720 --> 0:18:00.359
<v Speaker 4>most anxious pregnant person ever because I I'm just not

0:18:00.400 --> 0:18:05.159
<v Speaker 4>good at staying pregnant, Like I've now lost four pregnancies,

0:18:05.680 --> 0:18:09.520
<v Speaker 4>and so being pregnant means that I'm quite anxious the

0:18:09.560 --> 0:18:11.160
<v Speaker 4>whole time. I'm like, this isn't going to work out,

0:18:11.160 --> 0:18:14.960
<v Speaker 4>This isn't going to work. But your situation mine mine

0:18:15.000 --> 0:18:19.000
<v Speaker 4>is nothing in comparison to yours, So like, how's that feel?

0:18:19.359 --> 0:18:21.760
<v Speaker 2>With my first daughter's pregnancy, I was very much like

0:18:21.880 --> 0:18:24.080
<v Speaker 2>testing every single day and had to see the line

0:18:24.080 --> 0:18:26.120
<v Speaker 2>get darker, and it got darker and I got darker,

0:18:26.680 --> 0:18:29.080
<v Speaker 2>and I paid for extra blood tests to make sure

0:18:29.119 --> 0:18:33.000
<v Speaker 2>the numbers were rising. But with my second daughter's pregnancy,

0:18:33.720 --> 0:18:35.520
<v Speaker 2>I don't know why, but I didn't. I kind of

0:18:35.560 --> 0:18:37.840
<v Speaker 2>got the positive blood test, I went, Okay, we're just

0:18:37.880 --> 0:18:41.680
<v Speaker 2>gonna sit. Obviously my experience is going to be different.

0:18:41.840 --> 0:18:45.720
<v Speaker 2>I had to start blood thinners immediately. I also was

0:18:45.800 --> 0:18:47.760
<v Speaker 2>up at the hospital at ten weeks, and where I

0:18:47.800 --> 0:18:50.679
<v Speaker 2>am usually don't go till twelve and then twenty weeks,

0:18:51.040 --> 0:18:53.800
<v Speaker 2>so I had continuity of care this pregnancy, which I

0:18:53.800 --> 0:18:55.240
<v Speaker 2>didn't have last pregnancy.

0:18:55.320 --> 0:18:58.560
<v Speaker 4>You're like, you just need that extra hand holding process.

0:18:58.720 --> 0:19:01.440
<v Speaker 2>I literally saw my and I'm in the public system.

0:19:01.480 --> 0:19:04.240
<v Speaker 2>We don't have a private option really where I live.

0:19:04.080 --> 0:19:06.800
<v Speaker 4>But the public system when you're a high risk pregnancy

0:19:07.119 --> 0:19:11.400
<v Speaker 4>is honestly like, I won't say flawless, but pretty flipping good.

0:19:11.520 --> 0:19:13.680
<v Speaker 2>Well. I was high risked with my first pregnancy too,

0:19:14.520 --> 0:19:18.399
<v Speaker 2>so it was just very different experiences. So when I

0:19:18.440 --> 0:19:21.359
<v Speaker 2>got to sixteen weeks and we did another skin they said,

0:19:21.440 --> 0:19:23.199
<v Speaker 2>it's now your choice. What do you want to do?

0:19:23.920 --> 0:19:28.160
<v Speaker 2>I decided to come fortnightly. Yeah. So because my first

0:19:28.240 --> 0:19:31.480
<v Speaker 2>daughters was growth restricted pretty much. Is what she's passed

0:19:31.480 --> 0:19:35.200
<v Speaker 2>away from is mount nourishment. Well, she was too small. Yeah,

0:19:35.520 --> 0:19:38.399
<v Speaker 2>my placenta was the issue. It was full of blood

0:19:38.440 --> 0:19:39.680
<v Speaker 2>clots and therefore stopped.

0:19:39.840 --> 0:19:42.600
<v Speaker 4>So you would have had to start aspirin really early off.

0:19:42.680 --> 0:19:46.280
<v Speaker 2>Yes, that too. So my biggest thing was seeing her grow.

0:19:46.400 --> 0:19:48.240
<v Speaker 2>So every two weeks I wanted to see.

0:19:48.200 --> 0:19:50.760
<v Speaker 4>I want to see gain. I want to see her longer. Yeah,

0:19:50.760 --> 0:19:53.080
<v Speaker 4>I see her tracking on the graph.

0:19:53.760 --> 0:19:56.720
<v Speaker 2>And the irony is that she was a weak ahead.

0:19:56.760 --> 0:19:59.320
<v Speaker 4>Every single mum, mom stops stressing.

0:19:59.359 --> 0:20:02.040
<v Speaker 2>I got this. I had kicks all the time, but

0:20:02.720 --> 0:20:05.840
<v Speaker 2>it was still it was a very anxious time and

0:20:05.880 --> 0:20:09.240
<v Speaker 2>therefore we didn't announce my pregnancy at all. We kept

0:20:09.320 --> 0:20:12.439
<v Speaker 2>it to ourselves and close family and friends only. We

0:20:12.560 --> 0:20:16.480
<v Speaker 2>just dropped on Facebook after she was born an surprised guys, Hey,

0:20:16.560 --> 0:20:21.080
<v Speaker 2>we've had a child. So yeah, So I got induced

0:20:21.080 --> 0:20:23.119
<v Speaker 2>it thirty eight weeks, which is I really pushed for

0:20:23.200 --> 0:20:25.000
<v Speaker 2>because I just had physically had enough.

0:20:25.080 --> 0:20:28.520
<v Speaker 4>Honestly, fair like, I'm not gonna lie. I envy those

0:20:28.560 --> 0:20:31.600
<v Speaker 4>women who were like, pregnancy is so magical, it's the

0:20:31.640 --> 0:20:35.200
<v Speaker 4>best time, I really worshiped my body. Girl, I've never

0:20:35.240 --> 0:20:37.840
<v Speaker 4>felt worse in my life, like I trying to roll

0:20:37.880 --> 0:20:40.399
<v Speaker 4>over in bed, like I did not enjoy it. I

0:20:40.440 --> 0:20:43.960
<v Speaker 4>couldn't breathe, like I just felt like trash all the time.

0:20:44.000 --> 0:20:47.360
<v Speaker 4>I vomited on literally everything, like one out of ten

0:20:47.400 --> 0:20:49.840
<v Speaker 4>ye experience. I envy people, you know what. I say

0:20:49.840 --> 0:20:51.959
<v Speaker 4>this all the time to my girlfriends. I'm like, parenthood

0:20:52.240 --> 0:20:54.600
<v Speaker 4>absolutely for me, like I was born to be a mum.

0:20:55.040 --> 0:20:57.160
<v Speaker 4>Pregnancy though, that's not my journey.

0:20:58.320 --> 0:21:02.159
<v Speaker 2>I enjoyed it, but I was just as last ten weeks,

0:21:02.400 --> 0:21:05.760
<v Speaker 2>especially once I got past twenty seven weeks, it was

0:21:05.800 --> 0:21:08.760
<v Speaker 2>still just every week was like, is everything okay?

0:21:09.119 --> 0:21:11.520
<v Speaker 4>And even after that point, was her weight tracking well?

0:21:11.680 --> 0:21:14.320
<v Speaker 2>Yes, she came out at four point two kilos at

0:21:14.359 --> 0:21:16.520
<v Speaker 2>thirty eight weeks. She was well and truly.

0:21:16.359 --> 0:21:18.520
<v Speaker 4>Did not need those extra a few weeks.

0:21:18.800 --> 0:21:20.600
<v Speaker 2>Nope, No, So.

0:21:20.920 --> 0:21:24.400
<v Speaker 4>I love that. I love that so much. So tell

0:21:24.440 --> 0:21:26.359
<v Speaker 4>me a little bit more. I guess you said you

0:21:26.440 --> 0:21:28.600
<v Speaker 4>didn't go back to work. What do you do for

0:21:28.680 --> 0:21:30.280
<v Speaker 4>work and how much money do you earn?

0:21:30.400 --> 0:21:33.520
<v Speaker 2>So I'm now back in my job, which is an

0:21:33.520 --> 0:21:36.920
<v Speaker 2>executive assistant in local government. Oh, very cool and I'm

0:21:37.040 --> 0:21:39.440
<v Speaker 2>on eighty eight thousand plus Sooper.

0:21:39.400 --> 0:21:42.600
<v Speaker 4>Oh, hey, that's good. And does that like because it's

0:21:42.600 --> 0:21:45.199
<v Speaker 4>local government, does it increase every year? Is there like

0:21:45.240 --> 0:21:45.679
<v Speaker 4>a plan?

0:21:45.920 --> 0:21:48.680
<v Speaker 2>Yeah, you have like steps, so I'm I think I'm

0:21:48.680 --> 0:21:51.320
<v Speaker 2>at that last step now in my grade and we

0:21:51.400 --> 0:21:54.640
<v Speaker 2>get the like the CPI increase and stuff as well.

0:21:54.680 --> 0:21:57.119
<v Speaker 2>But at the moment, I'm just doing three days a

0:21:57.160 --> 0:22:00.240
<v Speaker 2>week with a transition to be back full time in

0:22:00.240 --> 0:22:02.480
<v Speaker 2>a few months. So tell me about your second daughter.

0:22:02.520 --> 0:22:04.520
<v Speaker 2>When was she born? How old is she now? So

0:22:05.160 --> 0:22:06.200
<v Speaker 2>she's seven months old.

0:22:06.320 --> 0:22:09.040
<v Speaker 4>It's not fit delicious, she is delicious.

0:22:09.080 --> 0:22:10.240
<v Speaker 2>She's got arms like a croissant.

0:22:10.440 --> 0:22:13.560
<v Speaker 4>I love that, my baby. So when Harvey was born,

0:22:13.640 --> 0:22:15.399
<v Speaker 4>he was like three and a half killers, which is

0:22:15.440 --> 0:22:19.119
<v Speaker 4>like bang on, like standard baby size. And then I

0:22:19.200 --> 0:22:23.120
<v Speaker 4>swear he ate a different baby and left the hospital

0:22:23.520 --> 0:22:26.080
<v Speaker 4>and he has been the chunkiest boy ever since. And

0:22:26.119 --> 0:22:29.200
<v Speaker 4>it is my favorite thing ever, the little chubby wrists.

0:22:29.280 --> 0:22:30.680
<v Speaker 2>Oh yeah, she's got those.

0:22:30.760 --> 0:22:34.439
<v Speaker 4>She's so cute. I love this. So talk to me

0:22:34.600 --> 0:22:37.400
<v Speaker 4>about money goals, Like you've bought the house, you've got

0:22:37.400 --> 0:22:40.240
<v Speaker 4>the pool, You've moved like I guess into state. What

0:22:40.359 --> 0:22:42.760
<v Speaker 4>is your big money goal? What are you guys working towards.

0:22:42.560 --> 0:22:45.320
<v Speaker 2>So in the midst of everything that happened, we also

0:22:45.359 --> 0:22:48.040
<v Speaker 2>sold our house. We went on this everyone, you guys okay,

0:22:48.080 --> 0:22:50.239
<v Speaker 2>because we sold a lot of stuff. We sold our

0:22:50.280 --> 0:22:54.240
<v Speaker 2>house and we moved another thirty minutes north and so

0:22:54.359 --> 0:22:56.600
<v Speaker 2>now we're on a property that's like half an acre

0:22:56.840 --> 0:22:59.800
<v Speaker 2>a lot quite at town. But this still isn't the forever.

0:23:00.280 --> 0:23:04.080
<v Speaker 2>So we're definitely starting to work towards getting some acreage

0:23:04.320 --> 0:23:08.119
<v Speaker 2>something like five to ten just to have some cows.

0:23:08.160 --> 0:23:10.160
<v Speaker 2>And my husband communities right on moer.

0:23:10.240 --> 0:23:12.720
<v Speaker 4>Oh my god, So tell me about that, because if

0:23:12.760 --> 0:23:15.480
<v Speaker 4>you're you've sold your house, you moved into this one,

0:23:15.520 --> 0:23:17.560
<v Speaker 4>and you're like on a little bit of land, are

0:23:17.560 --> 0:23:21.160
<v Speaker 4>you expecting that to increase in value and then move

0:23:21.280 --> 0:23:22.880
<v Speaker 4>or like, have you got like little plan?

0:23:23.040 --> 0:23:24.480
<v Speaker 2>We spoke at the beginning of the year and like,

0:23:24.520 --> 0:23:26.280
<v Speaker 2>do you want to do anything in twenty twenty five?

0:23:26.320 --> 0:23:28.680
<v Speaker 2>We said, no, let's just kind of settle into being

0:23:28.760 --> 0:23:31.600
<v Speaker 2>parents and all that kind of stuff, and let's just

0:23:31.680 --> 0:23:35.879
<v Speaker 2>keep smashing out our mortgage, which we are. So we've

0:23:35.920 --> 0:23:41.040
<v Speaker 2>paid nineteen thousand off the principal already in fourteen months.

0:23:41.640 --> 0:23:43.600
<v Speaker 2>The way we do it as well, is I've switched

0:23:43.640 --> 0:23:46.960
<v Speaker 2>to weekly repayments, but we also do forty dollars a

0:23:47.040 --> 0:23:50.159
<v Speaker 2>day we send over to our mortgage. Great, so that

0:23:50.240 --> 0:23:52.920
<v Speaker 2>we're doing something every single day because of the daily

0:23:52.960 --> 0:23:53.960
<v Speaker 2>interest rushing.

0:23:53.720 --> 0:23:55.560
<v Speaker 4>Downe that interest And for those of you who maybe

0:23:55.680 --> 0:23:59.840
<v Speaker 4>haven't deep dove into like what that actually means interest

0:24:00.160 --> 0:24:03.440
<v Speaker 4>calculated daily on your mortgage. So the end of the month,

0:24:03.480 --> 0:24:05.439
<v Speaker 4>they kind of go, oh, you have a thousand dollars

0:24:05.480 --> 0:24:08.520
<v Speaker 4>interest due. But if every single day you are cutting

0:24:08.560 --> 0:24:10.760
<v Speaker 4>that down, that at the end of the day means

0:24:10.920 --> 0:24:13.320
<v Speaker 4>at the end of the month, less interest is owed

0:24:13.760 --> 0:24:16.560
<v Speaker 4>and therefore more of the money that you've paid off

0:24:16.600 --> 0:24:19.160
<v Speaker 4>over that period of time actually goes to the real

0:24:19.240 --> 0:24:22.280
<v Speaker 4>loan instead of the interest that is payable. So that's

0:24:22.320 --> 0:24:24.720
<v Speaker 4>a really smart idea. Some of them do it that way,

0:24:24.760 --> 0:24:27.400
<v Speaker 4>some of them don't. So if someone's listening and they're like, oh,

0:24:27.400 --> 0:24:29.199
<v Speaker 4>I'm a good nurse, like money dires a genius, I'm

0:24:29.200 --> 0:24:31.000
<v Speaker 4>going to do it, don't just implement it, like have

0:24:31.080 --> 0:24:33.000
<v Speaker 4>a chat to your bank about what that actually means.

0:24:33.000 --> 0:24:36.119
<v Speaker 4>All you're broker about how to implement that. But money

0:24:36.119 --> 0:24:37.119
<v Speaker 4>dires that's quite smart.

0:24:37.240 --> 0:24:39.359
<v Speaker 2>We looked at it actually last night and we were

0:24:39.400 --> 0:24:41.840
<v Speaker 2>doing the math, and if we didn't put anything extra,

0:24:41.880 --> 0:24:44.440
<v Speaker 2>we'd only pay five hundred off the principle a month,

0:24:44.480 --> 0:24:48.040
<v Speaker 2>and that feels like nothing, but us doing it this

0:24:48.080 --> 0:24:50.320
<v Speaker 2>way is paying an extra fifteen hundred.

0:24:50.040 --> 0:24:54.000
<v Speaker 4>Dollars off stop. That's so significant. Have you calculated how

0:24:54.080 --> 0:24:55.320
<v Speaker 4>much time that will save you?

0:24:55.520 --> 0:24:58.160
<v Speaker 2>I think so far, we've already cut three years off

0:24:58.200 --> 0:24:58.840
<v Speaker 2>the loan.

0:24:58.640 --> 0:25:00.560
<v Speaker 4>Stop it, and you haven't even lived there that long.

0:25:00.680 --> 0:25:02.680
<v Speaker 2>We've only been here fourteen months in this house.

0:25:02.720 --> 0:25:04.560
<v Speaker 4>Yeah, and you've cut three years off. So by the

0:25:04.600 --> 0:25:08.159
<v Speaker 4>time you guys move again, you'll probably be like twenty

0:25:08.240 --> 0:25:09.320
<v Speaker 4>year mortgage or something.

0:25:09.359 --> 0:25:09.879
<v Speaker 2>Hopefully.

0:25:10.040 --> 0:25:13.280
<v Speaker 4>Yeah, Oh my goodness. I love this for you. Do

0:25:13.320 --> 0:25:15.280
<v Speaker 4>you have any other big money goals that you're currently

0:25:15.320 --> 0:25:16.080
<v Speaker 4>working towards.

0:25:16.240 --> 0:25:18.919
<v Speaker 2>That's the main one, is really just finding the forever

0:25:18.960 --> 0:25:21.120
<v Speaker 2>home as nice and as quiet as it is here.

0:25:21.320 --> 0:25:23.880
<v Speaker 2>It's a I don't like the layout very much, and

0:25:24.280 --> 0:25:27.600
<v Speaker 2>it's obviously very cold, and we've got just fireplaces and

0:25:27.720 --> 0:25:29.800
<v Speaker 2>gas heating, and I'm like, I just want some doctor

0:25:29.840 --> 0:25:33.399
<v Speaker 2>their con and I'd love to go on a proper holiday.

0:25:33.400 --> 0:25:35.679
<v Speaker 2>We went on a honeymoon when I was eight weeks pregnant,

0:25:35.680 --> 0:25:38.919
<v Speaker 2>with my second daughter, and that was not a vibe.

0:25:39.240 --> 0:25:43.480
<v Speaker 2>And we're on a cruise, which was probably not the best.

0:25:42.920 --> 0:25:47.240
<v Speaker 4>To you, like, how can I make this pregnancy worse exactly?

0:25:47.280 --> 0:25:49.240
<v Speaker 2>And it was one day I went, am I sea

0:25:49.320 --> 0:25:51.879
<v Speaker 2>sick and my morning sick. I don't know, I'm just sick.

0:25:52.119 --> 0:25:55.040
<v Speaker 4>Oh No, Like, I'm not gonna lie the idea of

0:25:55.080 --> 0:25:58.480
<v Speaker 4>being pregnant on a cruise. Girl, you just really wanted

0:25:58.520 --> 0:25:59.480
<v Speaker 4>to watch it well burned.

0:26:00.119 --> 0:26:02.760
<v Speaker 2>I really I don't know what I was thinking. But anyway,

0:26:02.800 --> 0:26:04.920
<v Speaker 2>because we booked it before we felt pregnant, like I

0:26:04.960 --> 0:26:07.520
<v Speaker 2>think it was like in December, after everything happened. Really,

0:26:07.560 --> 0:26:08.520
<v Speaker 2>let's book our honeymoon.

0:26:08.560 --> 0:26:10.560
<v Speaker 4>What a great trip. And then you get pregnant. You're like,

0:26:10.600 --> 0:26:14.440
<v Speaker 4>I'm actually perpetually seasick, and now I'm going to get seasick.

0:26:14.560 --> 0:26:15.520
<v Speaker 4>This is perfect?

0:26:16.040 --> 0:26:16.560
<v Speaker 2>Is great?

0:26:16.640 --> 0:26:18.679
<v Speaker 4>Oh I love that pet, Money, Doris, So let's go

0:26:18.840 --> 0:26:20.640
<v Speaker 4>to a really quick break because I have a lot

0:26:20.680 --> 0:26:24.240
<v Speaker 4>more questions and we'll get to them in a hot minute.

0:26:26.760 --> 0:26:28.760
<v Speaker 4>All right, money Dorist, we are back, and I feel

0:26:28.760 --> 0:26:32.639
<v Speaker 4>like your priority is clearly smashing down your mortgage and

0:26:32.720 --> 0:26:34.600
<v Speaker 4>you are really good at it. But do you have

0:26:34.640 --> 0:26:36.480
<v Speaker 4>any investments? If so what are they? What do you

0:26:36.520 --> 0:26:37.520
<v Speaker 4>think about investing?

0:26:37.720 --> 0:26:41.399
<v Speaker 2>I am in the middle of a bulk listen of

0:26:41.440 --> 0:26:43.280
<v Speaker 2>the backlog of shares on the money, so I feel

0:26:43.320 --> 0:26:45.440
<v Speaker 2>like investing is definitely front of mine at the moment.

0:26:45.880 --> 0:26:48.919
<v Speaker 2>I have just started a SHARE's ease yeah great in

0:26:49.000 --> 0:26:52.000
<v Speaker 2>the last week. But outside of that, I have just

0:26:52.080 --> 0:26:53.840
<v Speaker 2>my SUPER at the moment and.

0:26:53.880 --> 0:26:57.080
<v Speaker 4>Working in local government, do you get more super than

0:26:57.119 --> 0:26:57.760
<v Speaker 4>the average, Beth?

0:26:57.920 --> 0:26:59.040
<v Speaker 2>I think it's twelve percent.

0:26:59.160 --> 0:27:01.640
<v Speaker 4>Yeah. And how's your super tracking? Are you happy with it?

0:27:01.720 --> 0:27:02.960
<v Speaker 4>Have you been looking at it?

0:27:03.160 --> 0:27:05.280
<v Speaker 2>Yeah, I've been checking it and I did notice a

0:27:05.320 --> 0:27:08.120
<v Speaker 2>little dip. Obviously, I haven't had super paid pretty much

0:27:08.160 --> 0:27:10.760
<v Speaker 2>all of this year yet because I've been on Central

0:27:10.760 --> 0:27:12.640
<v Speaker 2>Link since the beginning of the year.

0:27:12.840 --> 0:27:16.439
<v Speaker 4>How annoying because Sendlink has just updated to paying it

0:27:16.520 --> 0:27:19.119
<v Speaker 4>super as off July, so you just missed out on that.

0:27:19.200 --> 0:27:20.040
<v Speaker 4>I'm so sorry.

0:27:20.240 --> 0:27:22.200
<v Speaker 2>And I'm not planning on any more babies, so it

0:27:22.240 --> 0:27:25.399
<v Speaker 2>won't be any pregnancy is not for me anymore.

0:27:25.520 --> 0:27:26.280
<v Speaker 4>We are done.

0:27:26.600 --> 0:27:29.720
<v Speaker 2>I'm too and done. So I'm at sixty five thousand.

0:27:29.840 --> 0:27:32.359
<v Speaker 4>Oh my god. Okay, you're doing really well for your age.

0:27:32.400 --> 0:27:34.639
<v Speaker 2>When I looked back, is I've only been doing Super

0:27:34.640 --> 0:27:36.720
<v Speaker 2>for ten years, just because when I started, I was

0:27:36.800 --> 0:27:38.760
<v Speaker 2>late to the game. I didn't start working till I

0:27:38.800 --> 0:27:41.159
<v Speaker 2>was about eighteen because I had some big surgeries when

0:27:41.200 --> 0:27:43.399
<v Speaker 2>I was younger and I couldn't do much, So I

0:27:43.440 --> 0:27:46.960
<v Speaker 2>didn't start working until I was eighteen, and it really

0:27:47.400 --> 0:27:49.720
<v Speaker 2>with all the fees and stuff, I didn't really start

0:27:49.760 --> 0:27:51.440
<v Speaker 2>getting Super until twenty fifteen.

0:27:51.600 --> 0:27:52.720
<v Speaker 4>So, hey, look.

0:27:52.560 --> 0:27:54.280
<v Speaker 2>Sixty five over ten years, I'm pretty.

0:27:54.040 --> 0:27:57.159
<v Speaker 4>Happy, pretty well, even though it's tiny, that additional percentage

0:27:57.200 --> 0:27:59.400
<v Speaker 4>that gets paid, like it does pay off over time,

0:27:59.440 --> 0:28:01.400
<v Speaker 4>like it doesn't like a lot. You're okay, I guess

0:28:01.400 --> 0:28:03.080
<v Speaker 4>it's better than a kick in the pants. But then

0:28:03.320 --> 0:28:05.160
<v Speaker 4>you look at it after ten years and you're like, oh,

0:28:05.200 --> 0:28:08.520
<v Speaker 4>actually that did significantly contribute to my returns, which is

0:28:08.640 --> 0:28:11.280
<v Speaker 4>very very nice. Now talk to me. I need to

0:28:11.320 --> 0:28:13.000
<v Speaker 4>know more. You bought another house, but we have no

0:28:13.080 --> 0:28:15.600
<v Speaker 4>information on the debt that you carry. How much did

0:28:15.640 --> 0:28:17.880
<v Speaker 4>the house cost, how much is your mortgage? What does

0:28:17.880 --> 0:28:18.760
<v Speaker 4>all of that look like?

0:28:19.080 --> 0:28:21.560
<v Speaker 2>So the house we're in now we bought for five

0:28:21.640 --> 0:28:24.800
<v Speaker 2>hundred and sixty five thousand, and that's on half an acre,

0:28:24.880 --> 0:28:29.280
<v Speaker 2>four bedroom house. I'm so envs And we had a

0:28:29.359 --> 0:28:31.760
<v Speaker 2>ninety k deposit from the sale of our first house.

0:28:31.760 --> 0:28:34.400
<v Speaker 2>So we bought the house for four hundred thousand dollars

0:28:34.800 --> 0:28:37.399
<v Speaker 2>and eighteen months later we sold it for four hundred

0:28:37.400 --> 0:28:38.640
<v Speaker 2>and eighty two thousand dollars.

0:28:39.040 --> 0:28:41.480
<v Speaker 4>Very nice. And you guys had that forty thousand deposits,

0:28:41.480 --> 0:28:44.120
<v Speaker 4>so you basically flipped that in eighteen months to be

0:28:44.280 --> 0:28:45.400
<v Speaker 4>from forty to ninety.

0:28:45.560 --> 0:28:47.600
<v Speaker 2>And we added like an air con to it and

0:28:47.640 --> 0:28:51.120
<v Speaker 2>all that kind of stuff. And then we now owe

0:28:51.360 --> 0:28:53.800
<v Speaker 2>four hundred and seventy five thousand on this house.

0:28:53.880 --> 0:28:55.200
<v Speaker 4>And how does that make you feel?

0:28:55.280 --> 0:28:56.480
<v Speaker 2>I think we're doing really well.

0:28:56.560 --> 0:28:58.040
<v Speaker 4>I think you're doing really well as well.

0:28:58.600 --> 0:28:59.800
<v Speaker 2>I'm pretty happy with it.

0:29:00.200 --> 0:29:01.280
<v Speaker 4>I'd prefer not though.

0:29:01.520 --> 0:29:03.640
<v Speaker 2>No, I'm still waiting for the day we win the

0:29:03.640 --> 0:29:05.760
<v Speaker 2>lotto because my husband wrote in his wedding vows that

0:29:05.800 --> 0:29:06.400
<v Speaker 2>we would.

0:29:06.320 --> 0:29:08.400
<v Speaker 4>Well call me when that happens, because I have a

0:29:08.400 --> 0:29:12.880
<v Speaker 4>few good financial advisors that are literally with stuff like that.

0:29:13.320 --> 0:29:15.560
<v Speaker 4>It's coming, so you'll need their details.

0:29:15.160 --> 0:29:17.440
<v Speaker 2>Right exactly exactly it's next week.

0:29:17.520 --> 0:29:19.080
<v Speaker 4>Do you have any other debts?

0:29:19.360 --> 0:29:21.200
<v Speaker 2>So at the moment, I have a credit card debt

0:29:21.240 --> 0:29:26.520
<v Speaker 2>of about eleven thousand dollars and it's not pretty, but

0:29:26.720 --> 0:29:29.760
<v Speaker 2>it just shows that you kind of need that little

0:29:29.760 --> 0:29:33.040
<v Speaker 2>bit of support, especially when on paid Printally, I was.

0:29:33.000 --> 0:29:35.080
<v Speaker 4>Going to ask, like, what's that made up of? Is

0:29:35.120 --> 0:29:38.280
<v Speaker 4>that going on paid parental leave? In your diary that

0:29:38.360 --> 0:29:39.960
<v Speaker 4>you wrote in you were like, I really want to

0:29:40.000 --> 0:29:43.200
<v Speaker 4>talk about, you know, the awareness of financial systems. Did

0:29:43.240 --> 0:29:45.880
<v Speaker 4>you win to debt after having your first daughter?

0:29:46.080 --> 0:29:48.320
<v Speaker 2>I think so. I think we did. I had to

0:29:48.400 --> 0:29:50.400
<v Speaker 2>cut back on a lot of things. I kind of

0:29:50.440 --> 0:29:53.400
<v Speaker 2>went I had about one thousand dollars a fortnight drop

0:29:54.200 --> 0:29:57.120
<v Speaker 2>going on to Centerlink. I got a couple of leave

0:29:57.160 --> 0:30:00.320
<v Speaker 2>options from work and I used those around orygment even

0:30:00.360 --> 0:30:04.000
<v Speaker 2>things like that, and then I went into Centerlink. So

0:30:04.200 --> 0:30:06.200
<v Speaker 2>we're at the point that we were selling our house

0:30:06.280 --> 0:30:09.920
<v Speaker 2>and the broker said, we're really sorry, we understand what

0:30:09.960 --> 0:30:12.120
<v Speaker 2>you've been through, but the banks don't count center Link

0:30:12.160 --> 0:30:15.240
<v Speaker 2>as an income, so right now you don't have an income,

0:30:15.680 --> 0:30:17.720
<v Speaker 2>so therefore we wouldn't have been allowed to borrow for

0:30:17.760 --> 0:30:18.360
<v Speaker 2>the house.

0:30:18.160 --> 0:30:20.720
<v Speaker 4>For in now, which actually makes me. I own a

0:30:20.720 --> 0:30:23.160
<v Speaker 4>mortgage broken company. So I see that stuff all the time,

0:30:23.200 --> 0:30:25.320
<v Speaker 4>and it makes me so angry because you could have

0:30:25.360 --> 0:30:27.440
<v Speaker 4>worked with the same company for ten years and then

0:30:27.480 --> 0:30:30.960
<v Speaker 4>taken parental leave and had a legit central ink income.

0:30:31.000 --> 0:30:33.480
<v Speaker 4>You could have been the most financially savvy person. You

0:30:33.520 --> 0:30:35.320
<v Speaker 4>could have saved for the last ten years to take

0:30:35.320 --> 0:30:38.040
<v Speaker 4>this period of time, so financially you're not behind, but

0:30:38.080 --> 0:30:41.600
<v Speaker 4>the banks like you have no money by It's not true,

0:30:41.640 --> 0:30:43.960
<v Speaker 4>but it's so frustrating. So what did you do to

0:30:43.960 --> 0:30:44.560
<v Speaker 4>get around that?

0:30:44.880 --> 0:30:45.920
<v Speaker 2>I went back to work early.

0:30:46.160 --> 0:30:48.800
<v Speaker 4>Oh, that's the last thing you needed. Was that really

0:30:48.880 --> 0:30:50.280
<v Speaker 4>painful to go back to work.

0:30:50.440 --> 0:30:52.360
<v Speaker 2>I wasn't ready to go back to work. I was

0:30:52.440 --> 0:30:54.720
<v Speaker 2>due to go back after six months, and I went

0:30:54.800 --> 0:30:57.200
<v Speaker 2>back after four and I feel like I probably needed

0:30:57.280 --> 0:30:59.960
<v Speaker 2>a little bit more time. But it's just the way

0:31:00.160 --> 0:31:03.479
<v Speaker 2>everything fell. And I believe everything happens for a reason.

0:31:03.680 --> 0:31:08.920
<v Speaker 2>So it's okay, but it was really disappointing that the

0:31:08.960 --> 0:31:11.440
<v Speaker 2>banks were just like, sorry that you've had a loss

0:31:11.440 --> 0:31:14.480
<v Speaker 2>and sorry that you're on Centerlink. They wanted proof of

0:31:14.680 --> 0:31:17.600
<v Speaker 2>savings that we couldn't. You know, it was tens of

0:31:17.640 --> 0:31:19.640
<v Speaker 2>thousands of dollars. It's just not there.

0:31:19.760 --> 0:31:22.120
<v Speaker 4>I'm so sorry. That part of it makes me so

0:31:22.240 --> 0:31:26.360
<v Speaker 4>angry because it's like, where's the leniency? Like anyway, I

0:31:26.360 --> 0:31:28.600
<v Speaker 4>won't go on and on about that, because I absolutely

0:31:28.680 --> 0:31:30.880
<v Speaker 4>could so I want to dive a little bit further

0:31:30.920 --> 0:31:34.040
<v Speaker 4>into this eleven thousand dollar credit card debt. Talk to

0:31:34.040 --> 0:31:35.800
<v Speaker 4>me about that. Is that something that gives you the eck?

0:31:35.920 --> 0:31:37.440
<v Speaker 4>Is that something that you're like, Nope, we did it

0:31:37.480 --> 0:31:39.440
<v Speaker 4>on purpose because you know, I have a seven month

0:31:39.520 --> 0:31:41.160
<v Speaker 4>old and we knew that we're going to be behind,

0:31:41.160 --> 0:31:42.560
<v Speaker 4>and this is a tool and we're just going to

0:31:42.560 --> 0:31:44.200
<v Speaker 4>smash it out later. Like what's the plan.

0:31:44.480 --> 0:31:46.680
<v Speaker 2>That's the plan is to start smashing it out as

0:31:46.760 --> 0:31:50.240
<v Speaker 2>my income increases going back to work. I've redone my

0:31:50.280 --> 0:31:53.080
<v Speaker 2>budget that I've been doing for years that haven't really followed.

0:31:53.120 --> 0:31:55.480
<v Speaker 2>It's been there on and off, but I've pulled it

0:31:55.520 --> 0:31:57.600
<v Speaker 2>back up and gone, no, no, I need to help

0:31:57.640 --> 0:32:03.560
<v Speaker 2>smash this out as well. So I'm changing. Like, it's

0:32:03.560 --> 0:32:06.080
<v Speaker 2>not really a percentage, it's just kind of working out. Okay,

0:32:06.120 --> 0:32:07.880
<v Speaker 2>there's going to be left over here that goes straight

0:32:07.920 --> 0:32:10.760
<v Speaker 2>onto the credit card. But it does kind of show

0:32:10.800 --> 0:32:13.840
<v Speaker 2>you that at the moment, sixteen hundred dollars a fortnight,

0:32:14.560 --> 0:32:17.080
<v Speaker 2>it is really hard to live on when you are

0:32:17.120 --> 0:32:19.360
<v Speaker 2>trying to do a mortgage.

0:32:19.480 --> 0:32:19.800
<v Speaker 4>Food.

0:32:19.880 --> 0:32:21.640
<v Speaker 2>I mean, thankfully she wasn't eating for a while, but

0:32:21.680 --> 0:32:25.440
<v Speaker 2>she's just started eating so adding in food, fuel, all

0:32:25.480 --> 0:32:27.680
<v Speaker 2>that kind of stuff, plus just enjoying your life.

0:32:27.760 --> 0:32:31.360
<v Speaker 4>So babies are just expensive, like nappy is expensive, and

0:32:31.400 --> 0:32:34.040
<v Speaker 4>they add up wipes and like, who knows you might

0:32:34.080 --> 0:32:37.040
<v Speaker 4>be using formula. I couldn't believe how expensive formula.

0:32:37.440 --> 0:32:40.360
<v Speaker 2>He's forty dollars a ten at the moment a week

0:32:40.440 --> 0:32:40.720
<v Speaker 2>for her.

0:32:40.880 --> 0:32:43.000
<v Speaker 4>That's the same as what Harvey was on. And it's

0:32:43.040 --> 0:32:45.240
<v Speaker 4>kind of like even if you look at the cheaper ones,

0:32:45.400 --> 0:32:47.760
<v Speaker 4>Harvey refused them. I tried to be like, oh, I

0:32:47.800 --> 0:32:50.160
<v Speaker 4>did all my research. I was literally on chat GPT

0:32:50.360 --> 0:32:53.840
<v Speaker 4>being like the national value of this versus this, because like,

0:32:54.080 --> 0:32:55.880
<v Speaker 4>you know, you don't want to do wrong by your kid.

0:32:56.360 --> 0:32:58.760
<v Speaker 4>I get that deeper one and he's like, what is this?

0:32:58.960 --> 0:33:02.760
<v Speaker 4>Absolutely not? And he also would not take anything less

0:33:02.840 --> 0:33:06.760
<v Speaker 4>than the bloody thirty dollars bottles, Like he refused.

0:33:06.360 --> 0:33:08.440
<v Speaker 2>Oh yeah, I had to switch bottles. She didn't like

0:33:08.480 --> 0:33:09.280
<v Speaker 2>the bottles bottle.

0:33:09.320 --> 0:33:10.640
<v Speaker 4>He wasn't drinking out of it.

0:33:10.880 --> 0:33:13.480
<v Speaker 2>There was just ruda. I bought you this beautiful new bottle.

0:33:13.600 --> 0:33:14.200
<v Speaker 2>Not interested.

0:33:14.360 --> 0:33:16.280
<v Speaker 4>I tried to buy the Audi nappies because all of

0:33:16.280 --> 0:33:18.200
<v Speaker 4>the mum's on my Facebook group were like, oh the

0:33:18.240 --> 0:33:20.560
<v Speaker 4>Audi nappies are great, go and buy them, and I'm like, slay,

0:33:20.640 --> 0:33:24.360
<v Speaker 4>like ten out of ten for us. They leaked everywhere.

0:33:24.840 --> 0:33:27.680
<v Speaker 4>I was like, what is this? Why do I keep

0:33:27.760 --> 0:33:29.880
<v Speaker 4>trying my hardest and being picked?

0:33:30.360 --> 0:33:33.320
<v Speaker 2>It was just building up slowly. But it's just things

0:33:33.360 --> 0:33:35.440
<v Speaker 2>like you know, she grows so quickly, and next to it,

0:33:35.480 --> 0:33:37.360
<v Speaker 2>you're having to go buy the next size up and.

0:33:37.880 --> 0:33:39.960
<v Speaker 4>You want him to look through as well.

0:33:39.600 --> 0:33:41.480
<v Speaker 2>Like yeah, well, yes, she's a bow girl.

0:33:41.760 --> 0:33:45.240
<v Speaker 4>Yes. Honestly, it was a money win for me when

0:33:45.560 --> 0:33:48.240
<v Speaker 4>I gave birth to my son and they said it's

0:33:48.280 --> 0:33:50.600
<v Speaker 4>a boy. I remember on the first day, I thought

0:33:50.840 --> 0:33:52.760
<v Speaker 4>this is going to be great for our bank account

0:33:53.560 --> 0:33:55.440
<v Speaker 4>as opposed to me them like is that a dress?

0:33:55.520 --> 0:33:57.320
<v Speaker 2>Can I I'm just gonna go. Let me just have

0:33:57.360 --> 0:33:57.800
<v Speaker 2>a look at that.

0:33:57.920 --> 0:34:00.320
<v Speaker 4>I'm a boy mum. And still if I wire past

0:34:00.360 --> 0:34:03.120
<v Speaker 4>country Road and see the little girl outfits, I'm like.

0:34:03.080 --> 0:34:04.160
<v Speaker 2>Oh what is that?

0:34:04.160 --> 0:34:06.200
<v Speaker 4>That is the cutest thing ever. I can't look away.

0:34:06.200 --> 0:34:08.400
<v Speaker 4>If I had a little girl, I'd be done for.

0:34:08.520 --> 0:34:09.360
<v Speaker 4>I'd be canceled.

0:34:09.520 --> 0:34:11.600
<v Speaker 2>I'm starting to find a dress for a wedding we've

0:34:11.600 --> 0:34:13.160
<v Speaker 2>got to go to in a couple of months, and

0:34:13.200 --> 0:34:15.120
<v Speaker 2>it's just like, oh my gosh, she's only ever going

0:34:15.160 --> 0:34:16.880
<v Speaker 2>to wear it once. Oh, but it's so cute.

0:34:16.960 --> 0:34:19.160
<v Speaker 4>I'm on your team. Please any pictures because I live

0:34:19.280 --> 0:34:23.719
<v Speaker 4>vicariously through girl Mums money direst Talk to me. I

0:34:23.719 --> 0:34:26.279
<v Speaker 4>feel like, yes, you're in credit card debt, but I

0:34:26.280 --> 0:34:30.719
<v Speaker 4>feel like it was inevitable given the situation. Talk to me, though,

0:34:30.960 --> 0:34:32.719
<v Speaker 4>what do you think your best money habit.

0:34:32.520 --> 0:34:35.280
<v Speaker 2>Is definitely become a points queen.

0:34:35.520 --> 0:34:37.560
<v Speaker 4>Oh okay, I love your skip.

0:34:38.040 --> 0:34:40.439
<v Speaker 2>So that was the reason to get the credit card

0:34:40.480 --> 0:34:43.759
<v Speaker 2>in the first place. For things like I've switched to

0:34:43.880 --> 0:34:47.480
<v Speaker 2>shopping at Wally's to get the everyday rewards. We're flying

0:34:47.520 --> 0:34:50.319
<v Speaker 2>for this wedding interstate, so we've been like saving up

0:34:50.320 --> 0:34:52.640
<v Speaker 2>the points for that kind of stuff. But everything we

0:34:52.719 --> 0:34:55.240
<v Speaker 2>go to buy, we go can we get points somewhere

0:34:55.239 --> 0:34:58.279
<v Speaker 2>from this one year for flight? We just did all

0:34:58.400 --> 0:35:00.759
<v Speaker 2>fly bys one year and then that at Christmas with

0:35:00.920 --> 0:35:04.000
<v Speaker 2>eight hundred dollars in flybys points. So that was how

0:35:04.000 --> 0:35:05.000
<v Speaker 2>we went Christmas shopping.

0:35:05.040 --> 0:35:05.840
<v Speaker 4>Oh, your genius.

0:35:06.160 --> 0:35:07.960
<v Speaker 2>So we're very much into points.

0:35:08.000 --> 0:35:10.160
<v Speaker 4>People like, it's a dollar here, a dollar there. Yeah,

0:35:10.160 --> 0:35:13.160
<v Speaker 4>and over a year it becomes eight hundred bucks. It's

0:35:13.160 --> 0:35:15.560
<v Speaker 4>eight hundred dollars you didn't have before, isn't it.

0:35:15.360 --> 0:35:17.880
<v Speaker 2>So very much into points and just any way that

0:35:17.920 --> 0:35:19.440
<v Speaker 2>we can get some more points.

0:35:19.560 --> 0:35:22.160
<v Speaker 4>My team and I really like doing the like double stack.

0:35:22.239 --> 0:35:24.399
<v Speaker 4>We're doing the points, but then we're also making sure

0:35:24.400 --> 0:35:27.040
<v Speaker 4>that when we accumulating points, we're also using cash back,

0:35:27.280 --> 0:35:30.839
<v Speaker 4>so we're like shot back, cash rewards, literally any of it.

0:35:31.000 --> 0:35:33.879
<v Speaker 4>Who's giving the best discount or the best cash back,

0:35:33.920 --> 0:35:36.520
<v Speaker 4>we'll use that. And I would like some Flybys points

0:35:36.520 --> 0:35:38.640
<v Speaker 4>to boot thank you. I think I've been on shop

0:35:38.719 --> 0:35:41.800
<v Speaker 4>back for I want to say three or four years

0:35:41.800 --> 0:35:45.560
<v Speaker 4>now smart and it's sitting at four hundred and seventy dollars.

0:35:45.600 --> 0:35:46.640
<v Speaker 4>That's Christmas.

0:35:46.960 --> 0:35:48.960
<v Speaker 2>But like even I did a shop the other day

0:35:48.960 --> 0:35:51.440
<v Speaker 2>and I got twenty dollars back and it was like

0:35:51.440 --> 0:35:53.640
<v Speaker 2>a Bond's order or something for one hundred bucks. And

0:35:53.640 --> 0:35:55.760
<v Speaker 2>with I think it was only a few days ago,

0:35:55.960 --> 0:35:58.200
<v Speaker 2>so with their sales and everything and end of financial year,

0:35:58.239 --> 0:35:59.800
<v Speaker 2>I got twenty dollars cash.

0:35:59.560 --> 0:36:03.640
<v Speaker 4>Backe and that money just like stockpiles over in the side.

0:36:03.880 --> 0:36:05.520
<v Speaker 4>Then you'll have a couple of hundred bucks to make

0:36:05.520 --> 0:36:09.000
<v Speaker 4>a decision with money wien. That is a good deal

0:36:09.600 --> 0:36:11.719
<v Speaker 4>on the flip side though, tell me what do you

0:36:11.719 --> 0:36:13.440
<v Speaker 4>think your worst money? Howit is?

0:36:13.800 --> 0:36:14.120
<v Speaker 2>Food?

0:36:14.400 --> 0:36:16.880
<v Speaker 4>Yeah? Same girl? Are we eating out? Are we cooking

0:36:16.960 --> 0:36:18.880
<v Speaker 4>expensively at home? What does that look like?

0:36:19.080 --> 0:36:20.560
<v Speaker 2>Now? We're going through a drive through?

0:36:20.600 --> 0:36:22.960
<v Speaker 4>Because do you follow me on Instagram? By chance?

0:36:23.239 --> 0:36:23.479
<v Speaker 2>Yes?

0:36:23.800 --> 0:36:25.239
<v Speaker 4>Have you seen how many times I go through the

0:36:25.320 --> 0:36:27.280
<v Speaker 4>McDonald's drive through? You can't stop, won't stop.

0:36:28.360 --> 0:36:30.640
<v Speaker 2>I think as soon as I also was not pregnant,

0:36:30.680 --> 0:36:32.840
<v Speaker 2>it was like, give me the soft serves and the milkshakes.

0:36:32.920 --> 0:36:33.400
<v Speaker 4>That's fair.

0:36:33.520 --> 0:36:35.879
<v Speaker 2>And also, I mean you'd think living thirty minutes out

0:36:35.880 --> 0:36:38.319
<v Speaker 2>of town means that you don't have the temptation of

0:36:38.360 --> 0:36:42.279
<v Speaker 2>the drive through. Now every time I go to town, it's

0:36:42.280 --> 0:36:43.360
<v Speaker 2>on the way out of town.

0:36:43.640 --> 0:36:46.759
<v Speaker 4>So how do you say, notice some GPAs For.

0:36:46.800 --> 0:36:49.400
<v Speaker 2>Me, it's like a vanilla milkshakeh.

0:36:48.640 --> 0:36:49.759
<v Speaker 4>A vanilla milkshake?

0:36:49.800 --> 0:36:50.279
<v Speaker 2>Do you know what?

0:36:50.480 --> 0:36:52.759
<v Speaker 4>I don't think I've ever had a vanilla milkshake? Does

0:36:52.800 --> 0:36:53.879
<v Speaker 4>it just taste like soft serve?

0:36:54.000 --> 0:36:54.560
<v Speaker 2>Pretty much?

0:36:54.719 --> 0:36:56.800
<v Speaker 4>Okay, maybe I need one of those on the way home.

0:36:57.320 --> 0:37:00.520
<v Speaker 2>Just we're going to see that on the store tonight,

0:37:00.560 --> 0:37:00.879
<v Speaker 2>you will.

0:37:00.920 --> 0:37:05.480
<v Speaker 4>I'll be like the money dist today, not naming names.

0:37:05.800 --> 0:37:10.040
<v Speaker 2>So definitely, yeah, food and sometimes with concerts and stuff.

0:37:10.040 --> 0:37:12.239
<v Speaker 2>It's like I've got to be there. Not that I

0:37:12.280 --> 0:37:14.799
<v Speaker 2>go to many, especially even regionally. It's a whole thing

0:37:14.840 --> 0:37:15.879
<v Speaker 2>to go to a concert and.

0:37:15.800 --> 0:37:19.000
<v Speaker 4>Then back to Australia. I just know that credit card

0:37:19.040 --> 0:37:20.960
<v Speaker 4>would absolutely be slammed. I'm onto you.

0:37:21.040 --> 0:37:23.880
<v Speaker 2>Well, going back a little bit, I did that whole

0:37:23.960 --> 0:37:26.520
<v Speaker 2>tailor thing, six shows. I did all of that funder

0:37:26.520 --> 0:37:29.920
<v Speaker 2>two grand, which I'm pretty impressed, with a lot of

0:37:29.960 --> 0:37:33.000
<v Speaker 2>nose bleed seats. Yeah, so you're still there, which didn't matter.

0:37:33.120 --> 0:37:35.000
<v Speaker 2>I feel like it didn't matter how far back you where.

0:37:35.000 --> 0:37:36.759
<v Speaker 2>It was still the same vibe. I didn't sit on

0:37:36.760 --> 0:37:39.480
<v Speaker 2>the floor all but I sat probably every angle of

0:37:40.000 --> 0:37:42.520
<v Speaker 2>stadiums and didn't matter I was you were in the room.

0:37:42.680 --> 0:37:43.560
<v Speaker 2>It really didn't matter.

0:37:44.520 --> 0:37:46.839
<v Speaker 4>I love that for you so much. Is there any

0:37:46.840 --> 0:37:49.160
<v Speaker 4>other worse money habits to share? I feel like that's

0:37:49.200 --> 0:37:50.239
<v Speaker 4>probably sufficient.

0:37:50.400 --> 0:37:50.880
<v Speaker 2>I think so.

0:37:51.239 --> 0:37:53.960
<v Speaker 4>I feel like you're killing it though, Like you are

0:37:54.280 --> 0:37:57.200
<v Speaker 4>an EA in local government, which is really secure job

0:37:57.239 --> 0:37:59.920
<v Speaker 4>eighty eight grandy year plus super and it's good super.

0:38:00.680 --> 0:38:03.480
<v Speaker 4>You've been through a shitload and to only have eleven

0:38:03.520 --> 0:38:06.759
<v Speaker 4>grand of like credit card dead and also you're like

0:38:07.160 --> 0:38:10.920
<v Speaker 4>within the process of like upgrading your home at some point,

0:38:10.920 --> 0:38:13.520
<v Speaker 4>I feel like you're fine. Yes, that would probably be

0:38:13.600 --> 0:38:15.640
<v Speaker 4>stressful when you look at it at three am, because

0:38:15.640 --> 0:38:18.040
<v Speaker 4>we've all got blinkers on and that gives us anxiety. Right,

0:38:18.320 --> 0:38:21.360
<v Speaker 4>But I feel like in the big picture, like sometimes

0:38:21.400 --> 0:38:24.200
<v Speaker 4>when you have kids, we do financially have to take

0:38:24.200 --> 0:38:27.279
<v Speaker 4>a step back because it is hard, Like it is

0:38:27.360 --> 0:38:29.839
<v Speaker 4>not easy to go through that process and go you've

0:38:29.840 --> 0:38:33.680
<v Speaker 4>done it twice in the last few years, like two babies,

0:38:33.719 --> 0:38:36.080
<v Speaker 4>two periods of time where you've had time off, two

0:38:36.160 --> 0:38:39.120
<v Speaker 4>periods of time out of the workforce, Like that's stressful

0:38:39.160 --> 0:38:42.000
<v Speaker 4>and expensive. Then you said, look, I'm a SEA. But

0:38:42.040 --> 0:38:45.160
<v Speaker 4>then you're like, also, I'm a points queen, Like, girl,

0:38:45.200 --> 0:38:47.120
<v Speaker 4>get it together. Are you a points queen or are

0:38:47.120 --> 0:38:47.520
<v Speaker 4>you a C?

0:38:48.160 --> 0:38:49.520
<v Speaker 2>Maybe we'll bump up to a B.

0:38:49.920 --> 0:38:53.040
<v Speaker 4>I feel like a B is far more reasonable. Like, also,

0:38:53.120 --> 0:38:56.360
<v Speaker 4>it sounds like you and your husband are really savvy

0:38:56.400 --> 0:38:58.640
<v Speaker 4>when it comes to finances, Like you planned a wedding

0:38:58.680 --> 0:39:01.680
<v Speaker 4>in eight weeks with deer. Do you remember what you

0:39:01.719 --> 0:39:03.560
<v Speaker 4>spent on your wedding? Because I have a sneaky suspicion

0:39:03.600 --> 0:39:04.839
<v Speaker 4>it wasn't one hundred grand I.

0:39:04.760 --> 0:39:10.160
<v Speaker 2>Think we spent eight c She's sadly my dress cost

0:39:10.160 --> 0:39:12.480
<v Speaker 2>My husband's outfit costs more than me because he needed

0:39:12.520 --> 0:39:15.719
<v Speaker 2>new boots, new jeans, new shirt, new hat. I wore

0:39:15.840 --> 0:39:18.440
<v Speaker 2>the same boots I always have, and my dress was

0:39:18.840 --> 0:39:21.359
<v Speaker 2>I want to say, one hundred and sixty.

0:39:21.040 --> 0:39:23.560
<v Speaker 4>Dollars on my what that is money?

0:39:23.560 --> 0:39:26.040
<v Speaker 2>We and I'd bought it for my pregnant body because

0:39:26.040 --> 0:39:27.520
<v Speaker 2>I still and I still had a bump on my

0:39:27.560 --> 0:39:30.720
<v Speaker 2>wedding day because I hadn't gone. I think the most

0:39:30.719 --> 0:39:34.320
<v Speaker 2>of that eight grand was probably the celebrant and the alcohol,

0:39:34.480 --> 0:39:36.440
<v Speaker 2>and even that we had so much leftover.

0:39:36.640 --> 0:39:38.640
<v Speaker 4>And so did you guys cater I'm just so pervy.

0:39:38.640 --> 0:39:40.919
<v Speaker 4>Did you guys cater that like yourselves? Because you said

0:39:40.920 --> 0:39:42.920
<v Speaker 4>that it was at a friend's farm, right.

0:39:42.880 --> 0:39:45.040
<v Speaker 2>Yeah, so my father in law, Owen's a butcher shop.

0:39:45.400 --> 0:39:46.160
<v Speaker 4>Okay, nice.

0:39:46.440 --> 0:39:49.360
<v Speaker 2>So we had literally the ovens, did all the meat everything.

0:39:49.440 --> 0:39:52.640
<v Speaker 2>So one of our friends did all the catering. We

0:39:52.760 --> 0:39:53.920
<v Speaker 2>just ran it on generators.

0:39:54.040 --> 0:39:56.239
<v Speaker 4>I'm a cea, but you're a genius. I love it.

0:39:56.280 --> 0:39:58.319
<v Speaker 4>I love it. I hope that in the future, when

0:39:58.360 --> 0:40:01.279
<v Speaker 4>you're back down for a future Taylor's with concept, we

0:40:01.320 --> 0:40:03.520
<v Speaker 4>get to run into each other in person, because I

0:40:03.560 --> 0:40:05.120
<v Speaker 4>just feel like you and I are going to get along,

0:40:05.600 --> 0:40:08.120
<v Speaker 4>Like I think that you are a queen, and I'm

0:40:08.120 --> 0:40:10.919
<v Speaker 4>just so excited to share your story at the same

0:40:10.960 --> 0:40:13.360
<v Speaker 4>time as just feeling like we need to be talking

0:40:13.360 --> 0:40:16.239
<v Speaker 4>about these topics so much more, like we shouldn't just

0:40:16.280 --> 0:40:17.960
<v Speaker 4>be sweeping them under the rug. Like I want to

0:40:18.000 --> 0:40:19.960
<v Speaker 4>know about your daughters, I want to know about what's

0:40:20.000 --> 0:40:22.720
<v Speaker 4>going on, but I also want to know how hard

0:40:22.719 --> 0:40:25.719
<v Speaker 4>it is financially when you go through those things, Like

0:40:26.320 --> 0:40:28.319
<v Speaker 4>I hate the idea that you had to go back

0:40:28.360 --> 0:40:30.640
<v Speaker 4>to work when you weren't ready, and I feel like

0:40:30.680 --> 0:40:32.520
<v Speaker 4>that's not like, oh, I had to go back to

0:40:32.600 --> 0:40:34.960
<v Speaker 4>work too, because my daughter had to go into day care,

0:40:35.120 --> 0:40:39.040
<v Speaker 4>Like it's a completely different story. Like mentally, physically, all

0:40:39.080 --> 0:40:41.160
<v Speaker 4>of those things, you were just not ready, And I

0:40:41.200 --> 0:40:43.920
<v Speaker 4>think that financially there should be so much more support

0:40:44.040 --> 0:40:44.760
<v Speaker 4>in that area.

0:40:45.000 --> 0:40:46.080
<v Speaker 2>Yeah, completely agree.

0:40:46.160 --> 0:40:47.520
<v Speaker 4>Thank you for sharing your story.

0:40:47.600 --> 0:40:49.680
<v Speaker 2>Thank you for being an avenue to be able to

0:40:49.680 --> 0:40:51.080
<v Speaker 2>share my story. I appreciate it.

0:40:51.239 --> 0:40:54.000
<v Speaker 4>Of course, of course, you guys are always safety at

0:40:54.040 --> 0:40:56.560
<v Speaker 4>Money Darst. It has been a pleasure. Thank you so much.

0:40:56.600 --> 0:40:58.480
<v Speaker 4>I know that the community is going to love hearing

0:40:58.520 --> 0:41:00.400
<v Speaker 4>from you as much as I've loved hanging out with

0:41:00.440 --> 0:41:00.880
<v Speaker 4>you today.

0:41:00.960 --> 0:41:01.319
<v Speaker 2>Thank you.

0:41:07.920 --> 0:41:10.480
<v Speaker 4>The advice shared on She's on the Money is general

0:41:10.520 --> 0:41:14.400
<v Speaker 4>in nature and does not consider your individual circumstances. She's

0:41:14.440 --> 0:41:17.840
<v Speaker 4>on the Money exists purely for educational purposes and should

0:41:17.920 --> 0:41:21.080
<v Speaker 4>not be relied upon to make an investment or financial decision.

0:41:21.480 --> 0:41:23.920
<v Speaker 4>If you do choose to buy a financial product, read

0:41:23.960 --> 0:41:28.120
<v Speaker 4>the PDS TMD and obtain appropriate financial advice tailored towards

0:41:28.120 --> 0:41:31.400
<v Speaker 4>your needs. Victoria Divine and She's on the Money are

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<v Speaker 4>authorized representatives of money sirper Pty Ltd A b N

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<v Speaker 4>three two one six four nine two seven seven zero

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<v Speaker 4>eight AFFL four five one two eight nine