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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. 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 Them, the podcast with

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Speaker 4: millennials who want a financial freedom Today. My friends, guess

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Speaker 4: what it is Friday again, which means it is time

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Speaker 4: to get my little team together to celebrate you our

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Speaker 4: incredible She's on the Money community, Miss Jess Gric is here.

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Speaker 4: She's going to be sharing our money wins and confessions

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Speaker 4: from the community.

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Speaker 2: Beck say ed, You've got a.

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Speaker 4: Few breake tips for us which you've get kept all

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Speaker 4: day up until now, so I have literally no inslash

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Speaker 4: as to whether they're going to be good or not.

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Speaker 4: We're going to be helping to answer a juicy money dilemma,

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Speaker 4: which this week is all about investing in commercial or

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Speaker 4: residential properties as a first time investor, And we're going

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Speaker 4: to be unpacking something you slid into our DMS about

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Speaker 4: which this week we're talking about helping a friend pay

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Speaker 4: for mental health support.

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Speaker 2: So before we.

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Speaker 4: Get there, I want to know how have your weeks been?

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Speaker 4: Beck stopped trying to get Jess to answer first.

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Speaker 5: I need time to think.

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Speaker 6: No, my week has been really really good. I feel

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Speaker 6: so productive, you know, like at the start of the year.

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Speaker 7: Like what I did was like I feel like a

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Speaker 7: lot of people are, you know, doing the calendar, being

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Speaker 7: the diary, and I was rudding down.

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Speaker 2: All these like little goals and I've.

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Speaker 6: So far stuck to them.

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Speaker 7: Like I you guys noticed that you saw me like

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Speaker 7: touching my try set before I'm like, oh, my goodness,

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Speaker 7: I feel so good.

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Speaker 4: Like swoll Oh that's a word that I haven't heard

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Speaker 4: on this podcast before.

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Speaker 3: True.

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Speaker 4: Yeah, well maybe we could swap that for so Becky's

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Speaker 4: feeling swollen. I'm going to start using swollen because have

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Speaker 4: you seen that ad? You know how every year in January,

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Speaker 4: Lamb Australia drops their lamb ad.

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Speaker 5: Yes right.

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Speaker 4: I feel personally victimized by that video because they've got

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Speaker 4: this whole lamber and if you haven't seen it, just

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Speaker 4: google it because it is quite funny. Like I think

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Speaker 4: my favorite part of it is your phone lights on

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Speaker 4: talking about the grandparents. But they're like stereotype millennial, also

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Speaker 4: using the word slay, and I was like, I need

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Speaker 4: to see myself out, not googe.

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Speaker 5: But classic product of the millennium.

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Speaker 2: I was like, I feel attacked.

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Speaker 4: It's Jessicchie, what have you been doing this week? What

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Speaker 4: do you mean when you want to talk about your

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Speaker 4: bad luck strength? I know you know what I feel like.

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Speaker 4: People are probably sick of hearing me feel sorry.

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Speaker 2: What happened this week?

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Speaker 5: My cat knocked over a mirror, and I'm worried that

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Speaker 5: that's going to bring significantly more bad luck. I was

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Speaker 5: just telling the girls, I'm not a superstitious person. It's

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Speaker 5: not normally my stick, but I have had such a

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Speaker 5: bad run of it that when the mirror fell over,

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Speaker 5: I was immediately googling how to reverse the bad luck.

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Speaker 4: And I me and you were like, guess what I'm doing.

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Speaker 5: I went outside. I threw some salt over my shoulder,

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Speaker 5: and I spun in a circle anti clockwise three times

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Speaker 5: because the Internet told me that would hope to do.

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Speaker 2: You think it worked?

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Speaker 5: Nothing bad touch wood has happened, desks would Nothing bad

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Speaker 5: has happened yet, so TVs. But you know, it's been

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Speaker 5: a sunny week. We're hanging out with the girlies, might

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Speaker 5: get some lunch together later. It's on the up and up.

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Speaker 5: We're looking for the positive.

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Speaker 4: Nothing bad happened since Jessica spun anti clockwise in three

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Speaker 4: circles and threw salt over her shoulder. So that's the

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Speaker 4: secret secret to success.

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Speaker 6: Wow, how's your weeking?

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Speaker 4: I spent a lot of this week horizontal. Yeah, like

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Speaker 4: working with a laptop on my stomach because just life

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Speaker 4: is getting uncomfortable.

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Speaker 6: Yeah.

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Speaker 4: I'm committed though, so like I'm not going anywhere. I'm

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Speaker 4: here on the podcast. Unlucky for you guys, people keep

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Speaker 4: asking me when are you taking matt leave? And I'm like,

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Speaker 4: I guess when I go into labor because I won't

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Speaker 4: have any other choice.

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Speaker 5: Kind of gotta test her.

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Speaker 2: And my team are like when do we get rid

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Speaker 2: of her?

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Speaker 4: That we'd have a date to look forward to, and

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Speaker 4: I'm like, haha, joke's on you. I could have this

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Speaker 4: baby next week and it be fine, or in six weeks.

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Speaker 5: You're never gonna know. I think I just live in

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Speaker 5: constant fear that at any second you could just start

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Speaker 5: having the baby, and that like that is what I'm

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Speaker 5: looking for, Like it's not you going away, it's just

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Speaker 5: me no longer living in fear that at any given

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Speaker 5: point in time a baby could just shoot on out.

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Speaker 2: And I do no, no, but pretty.

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Speaker 5: Calm in a crisis.

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Speaker 2: I'm actually quite good unless it's her crisis.

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Speaker 5: Yeah, unless it's my internal mental crisis or that's her off.

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Speaker 5: But no, like I think I would be okay.

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Speaker 7: Yeah, Victoria, right now water breaks starts going to labor you,

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Speaker 7: I feel like you would be really good.

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Speaker 5: I mean, the thing is obviously you're immediately on the

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Speaker 5: phone to the ambulance and just took you through it. Nah,

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Speaker 5: you don't like just because your water breaks depends how

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Speaker 5: close to your contractions.

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Speaker 2: Are, Okay, do you know?

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Speaker 4: Do you know what I find really funny because you

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Speaker 4: have freaked out about this Gabby who works for she's

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Speaker 4: on the money and has been on the pod before

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Speaker 4: she's worked this out. One of her girlfriends is a midwife.

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Speaker 4: She's full of been like, well, what happens if he

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Speaker 4: goes into labor?

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Speaker 2: What do I do?

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Speaker 4: And like her housemate has like prepped her for this. Oh,

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Speaker 4: I think it's so funny because I'm so chill about it.

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Speaker 4: Like I think I'm the most chill person in the

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Speaker 4: entire team about it.

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Speaker 1: I'm like, Oh, if.

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Speaker 2: You'll be fine, you'd be fine.

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Speaker 4: My husband's really worried because obviously be Jess and I

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Speaker 4: are going to the Taylor Swift concert together. Yes, this

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Speaker 4: has to be when I am thirty nine weeks pregnant.

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Speaker 4: I regret nothing about this decision.

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Speaker 5: Baby's first concept, baby's first babies' contant, so I'm excited

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Speaker 5: about it.

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Speaker 4: My husband was a little like, well, what happens if

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Speaker 4: you go into labor? I'm like, dude, the MCG isn't

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Speaker 4: much closer to the hospital that we're going to than

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Speaker 4: our house. Is so chill, I'll meet you there. I

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Speaker 4: can get a new bar. I'm a completely self sufficient

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Speaker 4: independent woman.

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Speaker 7: Were I feel like tasors would be partial to assisting

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Speaker 7: with the birth.

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Speaker 4: I draw the line naming my baby Taylor, though, yeah, oh.

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Speaker 5: Like absolutely. I mean it's respectful to the queen.

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Speaker 4: I'm not to be disrespectful to the queen. And the

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Speaker 4: name Taylor is not even a bad name, like that's

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Speaker 4: not why. It just feels a little bit too swifty,

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Speaker 4: too swifty.

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Speaker 2: We can't exactly doing that exactly, so for a boy

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Speaker 2: or a girl, we don't know the gender. Try I

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Speaker 2: love an androgynous name.

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Speaker 6: I'm back on board, all right, I'm sorry.

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Speaker 2: Sorry, let's move on, though.

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Speaker 4: I want to know more about the community, less about

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Speaker 4: me going into apparently spontaneous labor that is going to

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Speaker 4: happen really quickly, so quickly that the paramedics will not

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Speaker 4: be able to make it, but just has to deliver

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Speaker 4: my baby.

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Speaker 5: My mind is literally like, oh my god, I'm pregnant.

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Speaker 2: Shock something pregnant.

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Speaker 7: It's also quicker because you mean, like you, I think

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Speaker 7: you were to say I'm in labor.

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Speaker 2: I'm sure, but you.

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Speaker 6: Said I'm pregnant.

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Speaker 7: That is incredibly fine, but that's usually how it works.

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Speaker 3: Moving on.

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Speaker 4: I don't have a birth plan. I have birth preferences, right,

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Speaker 4: and I can go into that on socials or something

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Speaker 4: if people are actually interested. But there's a reason Jess

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Speaker 4: and Gabby are not involved, like they're not part of

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Speaker 4: the preferences. In fact, my preference would be to not

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Speaker 4: have them there because I feel like they'd both be

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Speaker 4: like running around like headless chickens.

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Speaker 2: Going what do you need?

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Speaker 5: What do you need?

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Speaker 2: To leave me alone?

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Speaker 7: Sure?

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Speaker 5: Coincidentally, it is also our preference to not be there

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Speaker 5: for everybody should go winky.

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Speaker 2: Dig right, what has the community got to share with us?

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Speaker 3: All right?

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Speaker 5: My first money in this week comes from Hannah, who

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Speaker 5: said money win. Using chat GPT to do a meal

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Speaker 5: plan for my family of three, two adults and one team.

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Speaker 5: I requested a budget of one hundred to one hundred

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Speaker 5: and twenty dollars for five dinners with five adult portions

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Speaker 5: extra lunches for the next day. I just did the

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Speaker 5: shop at Audi and it came in at one hundred

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Speaker 5: and ten dollars for all of the ingredients. I then

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Speaker 5: added some snacks and some breakfast and it came to

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Speaker 5: one hundred and fifty five bucks for the week. If

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Speaker 5: you're a beginner meal plan, utilizing chat GPT is a

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Speaker 5: game changer. And I want to know if Hannah got

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Speaker 5: this tip from our Instagram because I was.

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Speaker 2: About to say.

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Speaker 4: I have been using it recently with Jess, but we've

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Speaker 4: been using the Microsoft co pilot and we were like,

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Speaker 4: we need to create some content for socials and we're like, well,

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Speaker 4: let's actually make it good because obviously, but like we

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Speaker 4: just told them what we have in our pantry and

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Speaker 4: or what was in my pantry, and it like full

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Speaker 4: spat out a recipe the instructions, you know, what additional

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Speaker 4: things I might need, and I replied a couple of

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Speaker 4: times being like, oh I don't have that, and they

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Speaker 4: were like substitute for this, and I was like, great,

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Speaker 4: that's also in my pantry.

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Speaker 5: Sligh. Really cool what you can do with AI nowadays,

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Speaker 5: and awesome that you can use free platforms. I know

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Speaker 5: that some of the chat GPT and you have to

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Speaker 5: pay for the Microsoft one's free chat GPT might have

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Speaker 5: a free element, but it's free tools that you can

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Speaker 5: use to save yourself money, which is sick.

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Speaker 4: And it's kind of like I have explained it to

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Speaker 4: a couple of friends who are.

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Speaker 2: Like, oh, I just don't know if it'll work or not.

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Speaker 4: I'm like, think of it as an unpaid intern that's

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Speaker 4: just started and knows nothing about the process. So like

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Speaker 4: feed it the information, like, okay, Beck, today, I want

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Speaker 4: you to create me a recipe and it needs to

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Speaker 4: be a recipe using only items in my pantry, and

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Speaker 4: I have like you kind of have to spoon feed it.

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Speaker 4: And that's okay, But I think some people jump on

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Speaker 4: to these things like copiloting.

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Speaker 2: Oh it didn't work.

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Speaker 4: I asked for a recipe and it like spat out,

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Speaker 4: you know, three random things. I'm like, oh no, this

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Speaker 4: is an unpaid intern who's never had a job before,

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Speaker 4: doesn't know how to do anything.

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Speaker 2: You need to spoon feed them.

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Speaker 4: And then you can tweak so like it comes back

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Speaker 4: with something in the recipe that you don't want or

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Speaker 4: you don't have. You can go back and be like,

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Speaker 4: please regenerate this response, but exclude the cream because I

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Speaker 4: don't need it, and then it will literally do it

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Speaker 4: again or go oh, have you got a more budget

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Speaker 4: friendly option for the sake that you recommended?

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Speaker 2: And I think that's it. It's just fun, really cool.

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Speaker 4: It's like an ongoing conversation and you don't have to

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Speaker 4: keep saying sorry for asking so many questions because they're ai.

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Speaker 7: Yeah, for their job, pressure to be like thank you

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Speaker 7: so much and oh no pressure.

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Speaker 6: You don't have to answer this.

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Speaker 5: It was really find when the microsoft to instinctively say

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Speaker 5: please and thank you, but.

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Speaker 4: I did anyway, and Jess was like, why are you

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Speaker 4: introducing yourself? And I was like, hello, I am trying

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Speaker 4: to make dinner tonight, just like I don't think they

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Speaker 4: care about.

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Speaker 2: Your and how are you like? Sit down? I look

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Speaker 2: at this recipe. Its lips so good.

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Speaker 5: Next, I've got a money win from Olivia who said

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Speaker 5: I found this on a local by swap and sell

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Speaker 5: group for my daughter. It was thirty dollars and it

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Speaker 5: still had the tags on it for two hundred and seventy.

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Speaker 2: Is this the jacket?

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Speaker 5: The jacket jacket?

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Speaker 2: Cool Juli down to thirty love a bus. That's a

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Speaker 2: money win.

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Speaker 5: That is a money win. Next, I've got one from

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Speaker 5: Sophie who said money win. I started a new job

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Speaker 5: in August and I haven't even passed my probation yet

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Speaker 5: and I just found out I got a five percent

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Speaker 5: salary increase money win effective first of January. Happy new

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Speaker 5: year to me, huge.

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Speaker 2: Congrats, congrats.

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Speaker 4: Then I like that it's effective first of January because

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Speaker 4: that means some backpay guys.

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Speaker 5: Yeah, I love a bit of back pay. Then I've

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Speaker 5: got a win from Victoria excellent name who said, Victoria,

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Speaker 5: I was going to buy your book as I just

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Speaker 5: had an offer on a property excepted thanks to Queen

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Speaker 5: Nikki Atsella. And my money win is that it was

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Speaker 5: actually free included in my Spotify subscriptions. And she was

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Speaker 5: very kind and she said, v I hope you get

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Speaker 5: royalties otherwise I will buy it.

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Speaker 4: I don't actually know how it works, but I'd much

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Speaker 4: prefer you to just read my book then pay me,

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Speaker 4: to be honest. And if you get the free audio

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Speaker 4: book like slag I heard someone real cool Reddit.

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Speaker 5: Yeah, so if you want to pay a forward share

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Speaker 5: of screenshot on stories, we'll tell your friends about it exactly.

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Speaker 5: That is just as helpful. Save yourself those dollars.

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Speaker 2: Queen, Yes, save the money.

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Speaker 4: Put it towards your house because in this economy, I'm

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Speaker 4: really sorry, I gonna need it.

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Speaker 5: Congratulations though, that is so exciting. Victoria out. Next, I've

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Speaker 5: got money in from Alyssa, who said money win. I

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Speaker 5: asked both my parents' households just before Christmas if we

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Speaker 5: could have their bottles and cans for Victoria's new deposits

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Speaker 5: scheme they collected them over the past month or so

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Speaker 5: alongside ours, and we cashed them in yesterday and we

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Speaker 5: got thirty seven dollars for them. Just hours alone came

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Speaker 5: to three bucks. So it paid to ask others who

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Speaker 5: were just going to throw them out anyway.

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Speaker 2: Money win. Jess what happens when you leave my house?

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Speaker 5: I take every can that I can find. Victoria says,

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Speaker 5: I have a present for you, and it's a bag

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Speaker 5: full of cans.

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Speaker 4: Save bottles and like coke bottles and stuff. I've been

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Speaker 4: keeping it in thettom of my pantry and I'm.

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Speaker 2: Like, I've got this for you.

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Speaker 5: Best present. That's lucky, very fun. And then lastly, I've

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Speaker 5: got a money in from Casey who said money win.

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Speaker 5: I needed some extra cash for my wedding and I

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Speaker 5: was making these crayon names for my nieces as a

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Speaker 5: part of their Flower Girls gift. I ended up having

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Speaker 5: a bunch of leftover crayons, and I reached out to

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Speaker 5: our neighborhood group and I made sixty two dollars selling them.

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Speaker 5: So far.

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Speaker 2: Crayons cool like crayon name.

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Speaker 4: Yeah, this is a.

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Speaker 5: Really fun activity with your kids. If you have like

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Speaker 5: broken crayons or if you buy. You can buy them

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Speaker 5: at the shop often, you know, the just mixed up

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Speaker 5: ones that have been donated and you melt them and

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Speaker 5: then you pour them into chocolate malts and then you

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Speaker 5: have all of these fun letters. That cool. They're like

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Speaker 5: usable crayons, but they're really beautiful gifts as well.

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Speaker 4: That's actually really cool and also just reminds me why

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Speaker 4: I have already nominated before my baby's.

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Speaker 2: Born that Jess is craft aren't.

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Speaker 5: Yeah, yeah, I will happily teaste.

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Speaker 2: A bonnet you need one. I won't be making it

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Speaker 2: so fus.

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Speaker 5: My friend is a teacher actually did make her lip

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Speaker 5: quite literally. It had lights that switched on.

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Speaker 4: My kid is going to be the coolest kid ever,

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Speaker 4: and I'm going to be like it was.

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Speaker 2: Yes, I'm very excited.

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Speaker 5: That's all for me this week.

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Speaker 6: Guys.

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Speaker 4: All right, Beck, what have you got when it comes

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Speaker 4: to broke tips? These better be good? My expectations. Thank

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Speaker 4: you's been hyping them up and gatekeeping them, so they

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Speaker 4: better be good.

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Speaker 7: I do hype them up, and then when we get

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Speaker 7: around to it, I mean, like the community ones are

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Speaker 7: always good and my ones always just so funny and silly.

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Speaker 7: But I think this one this week is actually going

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Speaker 7: to be kind of good.

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Speaker 5: I'm excited.

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Speaker 7: Okay, So the first one comes from Georgie, who says

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Speaker 7: that Target right now has heaps of stuff on sale

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Speaker 7: because it's merging with km Art.

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Speaker 6: I didn't realize that was a thing. Did you guys

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Speaker 6: do that was a thing.

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Speaker 5: Yes, I've seen it on social media, not fully, I

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Speaker 5: don't think. But they're replacing a lot of the home

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Speaker 5: weares with the Kmart Homeworks brand. There's been a lot

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Speaker 5: of outrage. Yeah, because people love Target home weares.

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Speaker 2: I love Target home Wear.

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Speaker 5: But I saw someone say it was like seventy percent

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Speaker 5: off a lot of the time.

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Speaker 4: I saw a couple of tiktoks actually where a lot

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Speaker 4: of things were like marked down to two dollars.

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Speaker 2: Like this girl got a whole suit.

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Speaker 4: It was like pants, the vest, and the jacket for

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Speaker 4: six dollars in total.

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Speaker 6: Wow, like it almost it's just too silly.

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Speaker 4: I think it's wild. But they're actually clearing a lot

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Speaker 4: of stock. Insider info.

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Speaker 2: Don't ask me where I got this from Georgie.

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Speaker 4: Yeah, maybe from Georgia. Let's call it from Georgie. They

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Speaker 4: aren't just replacing all of Target's stuff with Kmart stuff

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00:15:31,400 --> 00:15:34,200
Speaker 4: they have merged. They actually were always owned by the

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Speaker 4: same people, which is West Farmers Group, or own both CAMA

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Speaker 4: and Target, or you might be surprised to hear that

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Speaker 4: they also own like office works and Bunnings and.

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Speaker 5: Stuff like that.

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Speaker 2: They actually are a very very large organization.

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Speaker 4: But they are taking a lot of the product lines

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Speaker 4: that don't sell as well in Target and replacing them

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Speaker 4: with Kmart because it does. There might be different products

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Speaker 4: across the stores, but obviously they've got their factories that Ancho,

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00:16:00,840 --> 00:16:01,440
Speaker 4: so they're.

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Speaker 2: Bringing that in.

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Speaker 4: But surely they are keeping a lot of the main

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00:16:04,840 --> 00:16:07,760
Speaker 4: product lines that sell really well. Because I was really worried,

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Speaker 4: honestly about the baby onesies because like.

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00:16:11,960 --> 00:16:13,520
Speaker 2: Cute onesies, organic cotton.

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00:16:13,800 --> 00:16:16,560
Speaker 4: I can't find anything nicer than that that feels as

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00:16:16,600 --> 00:16:18,480
Speaker 4: good at that price point. And I was like, don't

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00:16:18,480 --> 00:16:21,600
Speaker 4: take them away, They're not going to Sorry, amazing, It's

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00:16:21,600 --> 00:16:25,480
Speaker 4: not everything, like Targets are not becoming kmarts, But I

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00:16:25,480 --> 00:16:27,760
Speaker 4: feel like a lot of people have just assumed because

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00:16:27,760 --> 00:16:28,560
Speaker 4: it does look like.

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Speaker 5: That, Yeah, just three targets trying to find some bargains

390
00:16:31,280 --> 00:16:32,360
Speaker 5: that already been cleaned out.

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Speaker 6: Well, try and try again, they.

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Speaker 5: Say, for a two dollars suit.

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Speaker 2: I'll try.

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00:16:39,880 --> 00:16:43,080
Speaker 5: I am one that is so silly.

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Speaker 6: I love it.

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Speaker 7: But yeah, like maybe go to like you know, country

397
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Speaker 7: towns and stuff. I feel like those targets.

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00:16:47,240 --> 00:16:49,119
Speaker 2: Yeah, probably don't go to like the Chadston.

399
00:16:49,520 --> 00:16:51,840
Speaker 6: They don't go to Chadston, go anywhere else.

400
00:16:51,880 --> 00:16:53,080
Speaker 2: They've been cleaned up.

401
00:16:53,240 --> 00:16:55,400
Speaker 7: Okay, So this next one comes from Indy, who says

402
00:16:55,400 --> 00:16:57,360
Speaker 7: that if you live near a UNI, make the most

403
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Speaker 7: of the free food at O week which is coming

404
00:16:59,400 --> 00:16:59,720
Speaker 7: up soon.

405
00:16:59,760 --> 00:17:00,600
Speaker 5: Which a great idea.

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00:17:01,080 --> 00:17:02,440
Speaker 2: It's actually very smart.

407
00:17:02,640 --> 00:17:05,200
Speaker 7: Yes, totally, Like, even if you don't live near a UNI,

408
00:17:05,200 --> 00:17:08,080
Speaker 7: if you're like gonna get free food, just make for you're.

409
00:17:07,880 --> 00:17:09,560
Speaker 2: Like, go to UNI, even though you're not gonna go

410
00:17:09,600 --> 00:17:10,040
Speaker 2: to UNI.

411
00:17:10,800 --> 00:17:12,240
Speaker 6: Yeah, like you don't have to be going to UNI

412
00:17:12,280 --> 00:17:13,919
Speaker 6: to be getting that free food. I imagine I.

413
00:17:13,880 --> 00:17:17,040
Speaker 2: Would feel very But I mean, here, do you all

414
00:17:17,160 --> 00:17:17,439
Speaker 2: right that?

415
00:17:17,600 --> 00:17:18,359
Speaker 5: I think that's smart?

416
00:17:18,440 --> 00:17:19,360
Speaker 6: I think it's smart.

417
00:17:19,440 --> 00:17:20,800
Speaker 7: And what if you just want to go there for

418
00:17:20,880 --> 00:17:22,560
Speaker 7: info you also get a free food.

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00:17:22,840 --> 00:17:25,400
Speaker 6: Great idea, Indie, thank you so much.

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00:17:25,480 --> 00:17:25,840
Speaker 5: That is fan.

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00:17:26,160 --> 00:17:28,119
Speaker 6: I might even do that. We make a David.

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00:17:28,359 --> 00:17:31,200
Speaker 7: Okay, So mine comes from I don't know if you

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00:17:31,240 --> 00:17:32,960
Speaker 7: guys have heard of this god named Viv.

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00:17:33,520 --> 00:17:35,560
Speaker 6: Her Instagram handle is viv loves to Eat.

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00:17:36,119 --> 00:17:39,520
Speaker 7: She shared a post about this is the name of

426
00:17:39,000 --> 00:17:42,320
Speaker 7: the cafe five bucks schmuck in Thornberry.

427
00:17:42,480 --> 00:17:44,879
Speaker 2: That sounds fun it is. There's no catch.

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00:17:44,960 --> 00:17:47,600
Speaker 7: There is a menu that is dedicated to items slash

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00:17:47,600 --> 00:17:48,760
Speaker 7: meals that costs five dollars.

430
00:17:48,840 --> 00:17:49,720
Speaker 6: Literally what And she.

431
00:17:49,680 --> 00:17:52,040
Speaker 4: Posted this video in this economy, In this economy, it

432
00:17:52,080 --> 00:17:53,320
Speaker 4: can't be making any money.

433
00:17:53,440 --> 00:17:56,040
Speaker 7: Well, this is why I say no catch, because, like

434
00:17:56,240 --> 00:17:59,000
Speaker 7: she posted in the actual like you know caption, that

435
00:17:59,119 --> 00:18:01,000
Speaker 7: the owner just wants to do something nice to the community.

436
00:18:01,080 --> 00:18:02,920
Speaker 2: Oh what a wholesome which is really really so.

437
00:18:03,000 --> 00:18:05,040
Speaker 7: I don't think that the whole menu is five dollars,

438
00:18:05,040 --> 00:18:08,679
Speaker 7: but it's a dedicated, you know thing that that's cool.

439
00:18:08,840 --> 00:18:11,040
Speaker 7: You can get like you know, a roll or a

440
00:18:11,040 --> 00:18:13,840
Speaker 7: croissant or something like that. That's you know, it's not

441
00:18:14,240 --> 00:18:16,359
Speaker 7: they're not losing money, you can tell, but it's still

442
00:18:16,400 --> 00:18:18,400
Speaker 7: like they could be charging you way more, but you're

443
00:18:18,400 --> 00:18:19,560
Speaker 7: still getting a good feed out of it.

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00:18:19,560 --> 00:18:21,840
Speaker 2: I paid nine dollars for alm and croissan on the other.

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Speaker 5: Day daylight robbery.

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00:18:23,000 --> 00:18:23,680
Speaker 6: That's my one.

447
00:18:23,720 --> 00:18:27,280
Speaker 7: There's probably an adjacent or an equivalent in your state,

448
00:18:27,520 --> 00:18:32,080
Speaker 7: your city, your suburb, if you're in Melbourne, just maybe.

449
00:18:31,520 --> 00:18:33,240
Speaker 2: Please share it with the sheese on the money community

450
00:18:33,280 --> 00:18:34,960
Speaker 2: if these because we gonna need it.

451
00:18:35,119 --> 00:18:37,960
Speaker 6: Yeah, yes absolutely, but for now five bucks, monks.

452
00:18:38,000 --> 00:18:40,880
Speaker 4: I cannot think for the last time a meal cost

453
00:18:40,920 --> 00:18:43,120
Speaker 4: me five dollars out Yeah, same.

454
00:18:43,359 --> 00:18:45,040
Speaker 6: Maybe penny pinchers of magas.

455
00:18:45,640 --> 00:18:47,880
Speaker 2: Even then, I've always like, can I please have a large?

456
00:18:47,920 --> 00:18:50,280
Speaker 3: Go eight dollars?

457
00:18:50,320 --> 00:18:52,320
Speaker 5: Still I ordered a happy meal the other day and

458
00:18:52,320 --> 00:18:54,720
Speaker 5: it was always the same price as a normal meal.

459
00:18:55,240 --> 00:18:57,840
Speaker 2: Shocked, it is actually a small cheeseburger meal.

460
00:18:58,359 --> 00:19:00,639
Speaker 6: Yeah, you look like a happy meal order.

461
00:19:00,880 --> 00:19:02,240
Speaker 2: I know happy meals.

462
00:19:02,359 --> 00:19:04,000
Speaker 4: If I'm coming in and I'm like, do you want

463
00:19:04,040 --> 00:19:05,960
Speaker 4: lunch and she's like yeah, I don't know anything, will

464
00:19:06,000 --> 00:19:08,640
Speaker 4: do Like I guarantee I'll walk in with a happy

465
00:19:08,760 --> 00:19:14,480
Speaker 4: fast for the toy not the book, by the way. No,

466
00:19:14,600 --> 00:19:16,520
Speaker 4: all right, let's go to a really quick break on

467
00:19:16,560 --> 00:19:18,960
Speaker 4: the flip side. We're going to be talking about investing

468
00:19:18,960 --> 00:19:23,640
Speaker 4: in commercial or residential properties as your first investment, and

469
00:19:23,680 --> 00:19:25,639
Speaker 4: we're going to unpack something that you slid into our

470
00:19:25,720 --> 00:19:27,040
Speaker 4: DMS about this week.

471
00:19:27,080 --> 00:19:29,000
Speaker 2: We're talking about helping a friend.

472
00:19:28,880 --> 00:19:32,480
Speaker 4: Pay for their mental health support. So don't go anywhere, guys.

473
00:19:37,280 --> 00:19:39,760
Speaker 5: Welcome back everybody. Let's take a listen to this week's

474
00:19:39,920 --> 00:19:40,840
Speaker 5: money dilemma.

475
00:19:43,080 --> 00:19:45,399
Speaker 8: Hi, there, have you got a money dilemma you just

476
00:19:45,440 --> 00:19:48,000
Speaker 8: can't solve? The She's on the Money team is here

477
00:19:48,040 --> 00:19:48,440
Speaker 8: to help.

478
00:19:48,760 --> 00:19:51,800
Speaker 4: Every week, we tackle your dilemmas, both big and small,

479
00:19:51,840 --> 00:19:54,920
Speaker 4: to answer your most burning money, career and life questions.

480
00:19:55,119 --> 00:19:57,640
Speaker 4: To get involved, simply head to our website and leave

481
00:19:57,680 --> 00:19:59,800
Speaker 4: us a short voice recording and you might just find

482
00:19:59,800 --> 00:20:02,560
Speaker 4: your on the show. Now, let's take a listen to

483
00:20:02,600 --> 00:20:03,840
Speaker 4: this week's money dilemma.

484
00:20:06,840 --> 00:20:09,399
Speaker 9: Hi, ladies, I have a cauerer. I'd like your advice on.

485
00:20:10,119 --> 00:20:12,200
Speaker 9: My partner and I are in our earliest to mid

486
00:20:12,240 --> 00:20:15,119
Speaker 9: twenties and have decided we'd like to start saving up

487
00:20:15,160 --> 00:20:18,800
Speaker 9: for an investment property. My partner has heard that commercial

488
00:20:18,840 --> 00:20:22,080
Speaker 9: properties can produce a higher return than residential and I'm

489
00:20:22,080 --> 00:20:24,000
Speaker 9: monitoring what would be the best option for us to

490
00:20:24,040 --> 00:20:27,200
Speaker 9: buy as a first time buyer, considering their more grants

491
00:20:27,240 --> 00:20:31,040
Speaker 9: available for residential properties versus commercial, and what I can

492
00:20:31,080 --> 00:20:34,120
Speaker 9: see online and any other factors we need to consider

493
00:20:34,200 --> 00:20:36,960
Speaker 9: when comparing the two and saving up for the deposit.

494
00:20:37,400 --> 00:20:38,240
Speaker 9: Thank you, I.

495
00:20:38,160 --> 00:20:40,920
Speaker 4: Have a lot of thoughts about first properties, and you

496
00:20:41,040 --> 00:20:44,320
Speaker 4: are correct if you looked at the rental yield of

497
00:20:44,359 --> 00:20:49,439
Speaker 4: a residential property versus a commercial property. More often than not,

498
00:20:49,520 --> 00:20:51,800
Speaker 4: commercial property has a higher rental yield.

499
00:20:52,600 --> 00:20:54,440
Speaker 2: The problem there is.

500
00:20:54,400 --> 00:20:58,359
Speaker 4: That if you are chasing yield, that is usually going

501
00:20:58,400 --> 00:20:59,520
Speaker 4: to come at a higher cost.

502
00:20:59,680 --> 00:20:59,880
Speaker 1: Right.

503
00:21:00,080 --> 00:21:03,120
Speaker 4: So let's just pretend you're spending five hundred thousand dollars

504
00:21:03,200 --> 00:21:06,880
Speaker 4: on your first two bedroom apartment to get a comparable

505
00:21:07,240 --> 00:21:10,600
Speaker 4: rental yield in a commercial property, you're probably looking closer

506
00:21:10,640 --> 00:21:13,800
Speaker 4: to a million dollars worth of investment. We also really

507
00:21:13,840 --> 00:21:16,560
Speaker 4: need to talk about the risk that is involved with

508
00:21:16,720 --> 00:21:20,679
Speaker 4: investing in commercial versus residential property, and that is usually

509
00:21:20,760 --> 00:21:23,879
Speaker 4: how long that property is left vacant and you are

510
00:21:24,000 --> 00:21:26,800
Speaker 4: up for that mortgage without any kind of you know,

511
00:21:26,920 --> 00:21:27,919
Speaker 4: help from a tenant.

512
00:21:28,000 --> 00:21:28,200
Speaker 1: Right.

513
00:21:28,680 --> 00:21:32,960
Speaker 4: So in Melbourne we know that rental tendancy sucks at

514
00:21:32,960 --> 00:21:35,240
Speaker 4: the moment. Like if you've got an apartment and it

515
00:21:35,280 --> 00:21:37,520
Speaker 4: is up for rent, you are in a prime position

516
00:21:37,640 --> 00:21:40,320
Speaker 4: because there are a lot of people who want properties

517
00:21:40,520 --> 00:21:43,360
Speaker 4: and there aren't enough properties to go around. So your

518
00:21:43,440 --> 00:21:46,760
Speaker 4: rental vacancy rate could be like one or two percent

519
00:21:46,920 --> 00:21:49,679
Speaker 4: per annam, which means like there aren't that many days

520
00:21:49,720 --> 00:21:52,520
Speaker 4: per year that you don't have rent coming in the door.

521
00:21:52,880 --> 00:21:55,800
Speaker 4: Whereas when you look at commercial property, they tend to

522
00:21:55,840 --> 00:21:59,080
Speaker 4: stay vacant for a longer period of time. Yes, you

523
00:21:59,200 --> 00:22:02,960
Speaker 4: might have longer li periods. So typically if you're signing

524
00:22:03,040 --> 00:22:05,600
Speaker 4: onto a commercial lease, it's not just like a one

525
00:22:05,680 --> 00:22:06,160
Speaker 4: year lease.

526
00:22:06,240 --> 00:22:07,880
Speaker 2: It might be a minimum of five years.

527
00:22:07,920 --> 00:22:10,680
Speaker 4: It could be ten, twenty, or even thirty years as

528
00:22:10,720 --> 00:22:12,679
Speaker 4: a lease. And that's all well and good and fine,

529
00:22:13,600 --> 00:22:18,159
Speaker 4: but the vacancy rate can be significantly higher because you know,

530
00:22:18,200 --> 00:22:21,440
Speaker 4: it's obviously harder to find somebody who wants your specific

531
00:22:21,520 --> 00:22:24,879
Speaker 4: space in your specific area to run their business. So

532
00:22:25,080 --> 00:22:27,479
Speaker 4: you might even end up with a vacancy rate of

533
00:22:27,520 --> 00:22:30,840
Speaker 4: like six months or fifty percent of the year it

534
00:22:30,920 --> 00:22:33,919
Speaker 4: is not rented out. And so you've got a factor

535
00:22:33,960 --> 00:22:37,440
Speaker 4: all of that in. Yes, when it comes to residential property,

536
00:22:38,040 --> 00:22:40,560
Speaker 4: you have a lot more grants and offers because the

537
00:22:40,560 --> 00:22:43,159
Speaker 4: government's kind of like, well, if you're buying commercial you

538
00:22:43,240 --> 00:22:47,040
Speaker 4: probably you know a bit of a well seasoned investor. However,

539
00:22:47,119 --> 00:22:49,399
Speaker 4: it's definitely worth looking at the pros and cons of

540
00:22:49,440 --> 00:22:52,000
Speaker 4: each not just like, oh, they have better returns, like

541
00:22:52,040 --> 00:22:55,040
Speaker 4: you are correct, but we don't chase returns. What we

542
00:22:55,080 --> 00:22:57,520
Speaker 4: want to chase is consistency and does this align to

543
00:22:57,560 --> 00:23:00,760
Speaker 4: your goals and values? Does this help you in any way,

544
00:23:00,800 --> 00:23:03,480
Speaker 4: shape or form to reach your next financial goal?

545
00:23:03,960 --> 00:23:06,080
Speaker 2: What does equity in the property look like?

546
00:23:06,200 --> 00:23:10,360
Speaker 4: We know in the Melbourne residential market, equity has somewhat

547
00:23:10,400 --> 00:23:12,920
Speaker 4: increased for people. I feel like the property market has

548
00:23:13,000 --> 00:23:16,399
Speaker 4: kind of like stagnated, given we went through COVID and

549
00:23:16,440 --> 00:23:18,960
Speaker 4: now we're going through a cost of living crisis. But

550
00:23:19,040 --> 00:23:21,879
Speaker 4: the probability is that the asset is probably going to

551
00:23:22,000 --> 00:23:24,439
Speaker 4: increase in value, Whereas if you went and bought a

552
00:23:24,480 --> 00:23:27,359
Speaker 4: factory please don't get me wrong, not a terrible investment,

553
00:23:27,800 --> 00:23:31,159
Speaker 4: but the capital growth on those properties is usually not

554
00:23:31,400 --> 00:23:34,840
Speaker 4: as high as a residential property in the same area

555
00:23:34,880 --> 00:23:38,159
Speaker 4: because it can't be rezoned to residential if you change

556
00:23:38,160 --> 00:23:40,679
Speaker 4: your mind, like it will always have to be a

557
00:23:40,680 --> 00:23:43,520
Speaker 4: commercial property. So I think when it comes to you

558
00:23:43,560 --> 00:23:46,160
Speaker 4: know what you should and shouldn't do, there's no right

559
00:23:46,240 --> 00:23:47,800
Speaker 4: or wrong, Like if you're in the position where you're

560
00:23:47,800 --> 00:23:49,800
Speaker 4: like I actually want to buy a factory v I've

561
00:23:49,800 --> 00:23:52,439
Speaker 4: looked at all of the stats, the areas up and coming.

562
00:23:52,840 --> 00:23:55,399
Speaker 4: I have had a number of past clients and even

563
00:23:55,440 --> 00:24:00,000
Speaker 4: friends purchase factories, especially in like you know those kinds

564
00:24:00,160 --> 00:24:02,800
Speaker 4: of like big development areas. They're a little bit like

565
00:24:02,840 --> 00:24:06,240
Speaker 4: commercial but they are completely bare and then they rent

566
00:24:06,240 --> 00:24:08,360
Speaker 4: them out. And you're right, they do have really good

567
00:24:08,359 --> 00:24:11,480
Speaker 4: rental yield. However, they don't have a lot of good

568
00:24:11,480 --> 00:24:13,359
Speaker 4: capital growth on those from what.

569
00:24:13,320 --> 00:24:14,000
Speaker 2: I have seen.

570
00:24:14,400 --> 00:24:16,359
Speaker 4: Doesn't mean you shouldn't do it, absolutely not like it

571
00:24:16,440 --> 00:24:19,199
Speaker 4: might really align to your goals, like you might actually

572
00:24:19,200 --> 00:24:21,960
Speaker 4: go gin. I don't want to deal with everyday tenants.

573
00:24:22,240 --> 00:24:25,200
Speaker 4: I want to strip this out completely and make all

574
00:24:25,240 --> 00:24:27,960
Speaker 4: of this, you know, my new tenants problem to furnish

575
00:24:28,000 --> 00:24:31,479
Speaker 4: and upkeep and maintain. So it really depends. But what

576
00:24:31,520 --> 00:24:34,080
Speaker 4: I would say is to me, it is a bit

577
00:24:34,119 --> 00:24:36,240
Speaker 4: of a red flag if the reason you want to

578
00:24:36,240 --> 00:24:38,240
Speaker 4: go with them is because you've heard they have higher

579
00:24:38,280 --> 00:24:41,240
Speaker 4: rental yield without actually looking at well, what would this

580
00:24:41,320 --> 00:24:44,760
Speaker 4: look like in ten, twenty thirty years, Because a mortgage,

581
00:24:44,800 --> 00:24:47,280
Speaker 4: as we all know, is a long term commitment. And

582
00:24:47,320 --> 00:24:49,679
Speaker 4: then I guess on top of that, you're not looking

583
00:24:49,800 --> 00:24:52,960
Speaker 4: at a residential home loan either, you're looking at a

584
00:24:53,000 --> 00:24:55,800
Speaker 4: commercial loan, and they have different things that you need

585
00:24:55,840 --> 00:24:59,320
Speaker 4: to take into consideration. So talk to a broker before

586
00:24:59,320 --> 00:25:00,960
Speaker 4: you make a decision, is what I would say.

587
00:25:01,040 --> 00:25:03,760
Speaker 7: Yeah, I imagine like, and this is obviously not coming

588
00:25:03,760 --> 00:25:06,240
Speaker 7: from an expert opinion, but I imagine that the cost

589
00:25:06,480 --> 00:25:09,920
Speaker 7: of upkeep, like you know, like getting a trade out

590
00:25:09,960 --> 00:25:12,720
Speaker 7: to fix like a block toilet, wouldn't cost as much

591
00:25:12,720 --> 00:25:16,520
Speaker 7: as a potential something in a whole factory.

592
00:25:16,560 --> 00:25:17,200
Speaker 6: You know what I mean.

593
00:25:17,240 --> 00:25:17,600
Speaker 1: I don't know.

594
00:25:17,920 --> 00:25:20,520
Speaker 4: Well, in a factory, it's actually on the tenant, so

595
00:25:20,600 --> 00:25:25,080
Speaker 4: I happens, Yeah, it's on the tenant, and the tenant

596
00:25:25,200 --> 00:25:28,000
Speaker 4: will usually pay for complete fit out as well, So

597
00:25:28,080 --> 00:25:32,159
Speaker 4: like you would lease them your completely bare factory, but

598
00:25:32,280 --> 00:25:36,480
Speaker 4: you don't have as much responsibility as a residential landlord.

599
00:25:36,600 --> 00:25:38,280
Speaker 2: You go that that's your problem.

600
00:25:38,440 --> 00:25:40,800
Speaker 4: You know, if you want stairs put in over here,

601
00:25:40,920 --> 00:25:43,880
Speaker 4: or you want you know, an office built in here,

602
00:25:44,200 --> 00:25:47,200
Speaker 4: that's on you. But given it is actually a little

603
00:25:47,240 --> 00:25:50,600
Speaker 4: bit more difficult to attract tenants to commercial properties, what

604
00:25:50,720 --> 00:25:53,280
Speaker 4: you often have to do is also incentivize it.

605
00:25:53,359 --> 00:25:55,760
Speaker 2: And I've signed a number of leases. I've never owned.

606
00:25:55,520 --> 00:25:58,760
Speaker 4: Commercial property, I've always leased it, and I've signed a

607
00:25:58,840 --> 00:26:03,000
Speaker 4: number of commercial property tendency agreements, and often I'll ask

608
00:26:03,119 --> 00:26:04,359
Speaker 4: for incentives upfront.

609
00:26:04,359 --> 00:26:05,600
Speaker 2: Like, Jess, you probably remember this.

610
00:26:05,640 --> 00:26:07,560
Speaker 4: When I was signing our last office, I was like, well,

611
00:26:07,600 --> 00:26:09,320
Speaker 4: how many months at the start can I get free?

612
00:26:09,440 --> 00:26:11,480
Speaker 4: What are the bonuses can I get? Like, you know,

613
00:26:11,560 --> 00:26:13,359
Speaker 4: there's a fit out there, can I have that? Or

614
00:26:13,640 --> 00:26:15,440
Speaker 4: you know, do I have to buy my own? If

615
00:26:15,480 --> 00:26:17,880
Speaker 4: I have to buy my own fit out, I've estimated

616
00:26:17,880 --> 00:26:20,119
Speaker 4: that that's going to cost me fifty thousand dollars, So like,

617
00:26:20,280 --> 00:26:23,760
Speaker 4: how are you going to incentivize me to rent your

618
00:26:23,840 --> 00:26:27,920
Speaker 4: property over somebody else's. So normally they offer this by

619
00:26:28,119 --> 00:26:30,840
Speaker 4: offering a couple of months of free rent, and it

620
00:26:30,880 --> 00:26:33,320
Speaker 4: will clearly depend on like the value of the commercial

621
00:26:33,359 --> 00:26:36,240
Speaker 4: property as well. But like it's a different ballgame completely,

622
00:26:36,720 --> 00:26:41,000
Speaker 4: But most of the I guess costs actually fall into

623
00:26:41,040 --> 00:26:43,320
Speaker 4: the tenants wheelhouse when it comes.

624
00:26:43,160 --> 00:26:46,040
Speaker 2: To commercial versus residential. Whereas you know, we've.

625
00:26:45,800 --> 00:26:49,280
Speaker 4: Spoken a lot about Jess going through, Oh the ceiling's leaking.

626
00:26:49,640 --> 00:26:51,840
Speaker 4: If I was commercial, I'd be like, well, Jess, go

627
00:26:52,000 --> 00:26:53,160
Speaker 4: and fix the ceiling.

628
00:26:53,160 --> 00:26:55,040
Speaker 5: Then hey, sound a lot like are your problem?

629
00:26:55,480 --> 00:26:57,000
Speaker 2: I was like, a just to get a problem.

630
00:26:57,119 --> 00:26:59,040
Speaker 5: Yeah, if you look at pretty that much out, maybe

631
00:26:59,040 --> 00:27:01,160
Speaker 5: it might be worth chatting to a financial advisor. Would

632
00:27:01,160 --> 00:27:03,040
Speaker 5: be the only thing that I have to contribute there

633
00:27:03,119 --> 00:27:05,120
Speaker 5: if you're putting that much into ane, like I.

634
00:27:05,040 --> 00:27:07,240
Speaker 2: Talked a lot as well. Sorry, I don't be sorry.

635
00:27:07,480 --> 00:27:09,440
Speaker 2: Do you want to talk about the ass by CDM?

636
00:27:09,560 --> 00:27:09,679
Speaker 1: Yes?

637
00:27:09,840 --> 00:27:10,600
Speaker 5: Weeks?

638
00:27:10,960 --> 00:27:11,240
Speaker 1: All right?

639
00:27:11,280 --> 00:27:12,879
Speaker 2: So this week we got a DM and it sounded

640
00:27:12,920 --> 00:27:13,119
Speaker 2: like this.

641
00:27:13,200 --> 00:27:16,520
Speaker 4: Actually the batim it was this message, are you ready ready,

642
00:27:16,840 --> 00:27:18,480
Speaker 4: high team, I've got a DM for you.

643
00:27:18,680 --> 00:27:19,080
Speaker 2: Really.

644
00:27:19,760 --> 00:27:22,280
Speaker 4: A close friend of mine has been really struggling with

645
00:27:22,320 --> 00:27:25,080
Speaker 4: her mental health, so I suggested she looked into getting

646
00:27:25,119 --> 00:27:28,040
Speaker 4: some help and seeing a psychologist. She said she can't

647
00:27:28,040 --> 00:27:30,240
Speaker 4: afford it at the moment, so I offered to pay

648
00:27:30,280 --> 00:27:32,640
Speaker 4: you for some sessions, as I wanted to help her

649
00:27:32,720 --> 00:27:33,440
Speaker 4: in any.

650
00:27:33,240 --> 00:27:34,040
Speaker 2: Way I could.

651
00:27:34,720 --> 00:27:37,920
Speaker 4: I've currently paid for her first three appointments, which were

652
00:27:37,960 --> 00:27:39,400
Speaker 4: around ninety dollars each.

653
00:27:39,800 --> 00:27:41,000
Speaker 2: Now here's the issue.

654
00:27:41,240 --> 00:27:43,960
Speaker 4: I just found out she spent four hundred dollars on

655
00:27:44,080 --> 00:27:46,520
Speaker 4: drugs for a festival she was going to, and I'm

656
00:27:46,520 --> 00:27:49,520
Speaker 4: really upset by this. I was more than happy to

657
00:27:49,560 --> 00:27:50,160
Speaker 4: help her out.

658
00:27:50,200 --> 00:27:51,440
Speaker 2: But if she can afford.

659
00:27:51,200 --> 00:27:54,199
Speaker 4: Drugs, then she can afford to pay to see the psychologist.

660
00:27:54,400 --> 00:27:56,880
Speaker 4: How do I go about asking for my money back

661
00:27:56,920 --> 00:27:59,480
Speaker 4: but also ensuring she continues to get the help that

662
00:27:59,520 --> 00:28:02,840
Speaker 4: she needs. I'm really not sure what to do. Any

663
00:28:02,920 --> 00:28:04,560
Speaker 4: help is really appreciated.

664
00:28:04,840 --> 00:28:06,239
Speaker 5: Before we get into it, I feel like we have

665
00:28:06,320 --> 00:28:09,399
Speaker 5: to say we're gonna be discussing the drug use. We

666
00:28:09,480 --> 00:28:13,160
Speaker 5: do not condone or encourage the use of recreational drugs,

667
00:28:13,440 --> 00:28:15,280
Speaker 5: but it is a part of the story. We're gonna

668
00:28:15,320 --> 00:28:15,840
Speaker 5: chat about it.

669
00:28:16,040 --> 00:28:18,520
Speaker 4: Yeah, Like no judgment from me, Like it's a choice

670
00:28:18,520 --> 00:28:21,280
Speaker 4: somebody else has made and that's fine, but yeah, it's

671
00:28:21,280 --> 00:28:22,080
Speaker 4: not an endorsement.

672
00:28:22,160 --> 00:28:24,360
Speaker 5: Yeah, and if you do need any resources regarding something

673
00:28:24,400 --> 00:28:26,600
Speaker 5: like that, we will pop some links in the shows

674
00:28:26,640 --> 00:28:29,760
Speaker 5: that you can access and have look through. Obviously we're

675
00:28:29,760 --> 00:28:32,240
Speaker 5: a supportive safe space, but it's just something that we

676
00:28:32,280 --> 00:28:32,680
Speaker 5: have to say.

677
00:28:32,920 --> 00:28:33,720
Speaker 2: Yeah. Absolutely.

678
00:28:33,760 --> 00:28:37,520
Speaker 4: I also think it's relatively interchangeable as well. Like stepping

679
00:28:37,520 --> 00:28:40,880
Speaker 4: back before I actually start answering this question, like if

680
00:28:40,920 --> 00:28:43,200
Speaker 4: you've paid ninety dollars a session for your friend to

681
00:28:43,280 --> 00:28:45,600
Speaker 4: go get help on something, it could have been like

682
00:28:45,760 --> 00:28:49,160
Speaker 4: her going out to fancy restaurants and spending four hundred

683
00:28:49,200 --> 00:28:51,920
Speaker 4: bucks and I thought you said you had no money

684
00:28:52,200 --> 00:28:54,920
Speaker 4: for like recreational activities, or you know, they might have

685
00:28:55,240 --> 00:28:57,280
Speaker 4: decided to just go to a festival and spend four

686
00:28:57,360 --> 00:28:59,280
Speaker 4: hundred bucks on a ticket and you were like hold on,

687
00:28:59,360 --> 00:29:02,080
Speaker 4: like you say you didn't have fun. So I don't

688
00:29:02,080 --> 00:29:05,040
Speaker 4: think it's really they're quite drug use. Yes, obviously that's

689
00:29:05,080 --> 00:29:07,920
Speaker 4: not ideal because I'm pretty sure that that drug use

690
00:29:08,000 --> 00:29:11,360
Speaker 4: is probably playing into the need for the mental health care.

691
00:29:11,480 --> 00:29:13,040
Speaker 2: And that's absolutely fine.

692
00:29:13,080 --> 00:29:16,280
Speaker 4: But I think I'd be equally as frustrated if, you know,

693
00:29:16,560 --> 00:29:18,480
Speaker 4: I helped out a friend and found out they're just

694
00:29:18,520 --> 00:29:20,480
Speaker 4: blowing four hundred dollars a week on going.

695
00:29:20,360 --> 00:29:20,840
Speaker 2: To the club.

696
00:29:21,160 --> 00:29:26,360
Speaker 4: Like irrespective, but moving forward, what do you guys think?

697
00:29:26,880 --> 00:29:31,000
Speaker 7: I think like if I was maybe I don't know,

698
00:29:31,040 --> 00:29:33,240
Speaker 7: if my friend was like saving up for a festival

699
00:29:33,400 --> 00:29:37,040
Speaker 7: and that I guess, like, you don't really just blow that,

700
00:29:37,200 --> 00:29:40,200
Speaker 7: Like that's kind of something that you prepare for ahead

701
00:29:40,240 --> 00:29:43,120
Speaker 7: of time, paying for like sarch sessions and stuff like that.

702
00:29:43,640 --> 00:29:46,360
Speaker 7: I'm going to like mentally put that in a different

703
00:29:46,400 --> 00:29:49,280
Speaker 7: category and say that the actual spending of that much

704
00:29:49,320 --> 00:29:53,320
Speaker 7: money on whatever it could have been, we just don't know,

705
00:29:53,440 --> 00:29:55,800
Speaker 7: like it could have been something that she had really

706
00:29:55,840 --> 00:29:58,760
Speaker 7: saved for and was looking forward to. It sounds like

707
00:29:58,800 --> 00:30:01,360
Speaker 7: something that's a something that happens like once a year,

708
00:30:01,360 --> 00:30:03,560
Speaker 7: like we've all you know, like Meredith for example, Like

709
00:30:03,760 --> 00:30:06,000
Speaker 7: I if I was saving up for that and my

710
00:30:06,080 --> 00:30:07,880
Speaker 7: friend was like, hey, I need you to go see

711
00:30:07,920 --> 00:30:08,760
Speaker 7: a PSICH, I'd.

712
00:30:08,640 --> 00:30:11,880
Speaker 6: Be like, I actually don't have capacity right now because.

713
00:30:11,560 --> 00:30:14,000
Speaker 7: I'm saving up for Meredith, which I know is like

714
00:30:14,240 --> 00:30:17,000
Speaker 7: not it should absolutely should not be the priority here.

715
00:30:17,760 --> 00:30:20,600
Speaker 7: My own mental health, my own mental well being should be.

716
00:30:21,080 --> 00:30:24,479
Speaker 7: But if that's kind of what I need just to

717
00:30:24,560 --> 00:30:29,120
Speaker 7: stay sane, like prioritizing my social life, and someone else

718
00:30:29,400 --> 00:30:32,320
Speaker 7: aside from that, offered to pay for a few SICH sessions,

719
00:30:33,000 --> 00:30:37,160
Speaker 7: then I guess I guess like it was all about transparency.

720
00:30:37,200 --> 00:30:38,960
Speaker 7: If you're like, hey, this is actually what I'm spending

721
00:30:38,960 --> 00:30:40,360
Speaker 7: my money on, this is what I'm saving up for,

722
00:30:40,440 --> 00:30:43,840
Speaker 7: this is everything that I'm planning on buying. If you're

723
00:30:43,840 --> 00:30:47,880
Speaker 7: still comfortable paying for these, cool, if not cool, But yeah,

724
00:30:47,920 --> 00:30:50,360
Speaker 7: I guess like the transparency maybe is my main thing.

725
00:30:50,360 --> 00:30:52,360
Speaker 7: I don't know if that's the same for you guys.

726
00:30:52,800 --> 00:30:55,920
Speaker 7: But you sound like a great friend, and you you know,

727
00:30:56,320 --> 00:30:58,800
Speaker 7: you sound you'd serve a very good friend in return.

728
00:30:59,040 --> 00:31:01,880
Speaker 5: Yeah, I agree. I think that you've done a really kind,

729
00:31:02,000 --> 00:31:04,040
Speaker 5: generous thing. You obviously care about your friend, you want

730
00:31:04,080 --> 00:31:07,440
Speaker 5: to put them first. I understand what you mean about, like,

731
00:31:08,160 --> 00:31:11,880
Speaker 5: someone may choose to prioritize something else over their mental health,

732
00:31:11,920 --> 00:31:14,200
Speaker 5: and that is their prerogative. I think for me, the

733
00:31:14,240 --> 00:31:17,800
Speaker 5: fact that it is drugs is kind of a little

734
00:31:17,800 --> 00:31:20,960
Speaker 5: bit of an additional layer of gray. I think it's

735
00:31:21,040 --> 00:31:23,680
Speaker 5: very different from saving to go to a festival, or

736
00:31:23,680 --> 00:31:25,280
Speaker 5: saving to go to an event, or maybe saving for

737
00:31:25,320 --> 00:31:27,960
Speaker 5: a trip versus something you know, if you blow it

738
00:31:27,960 --> 00:31:32,080
Speaker 5: on alcohol or something similar. I still mentally categorize those

739
00:31:32,120 --> 00:31:35,600
Speaker 5: into two different things. Again, sure, I think the unfortunate

740
00:31:35,640 --> 00:31:38,400
Speaker 5: thing is though I don't know that you can ask

741
00:31:38,440 --> 00:31:40,800
Speaker 5: for the money back. I think I'm on that page too.

742
00:31:40,840 --> 00:31:44,120
Speaker 5: I think a gift is a gift, and as much

743
00:31:44,160 --> 00:31:47,200
Speaker 5: as you know when you gave her that gift, you

744
00:31:47,200 --> 00:31:50,600
Speaker 5: were helping her out within you know, a certain framework

745
00:31:50,640 --> 00:31:54,920
Speaker 5: that you thought existed. I don't think that you can ask.

746
00:31:55,080 --> 00:31:56,760
Speaker 5: I firstly, don't know that it would come back to you.

747
00:31:56,800 --> 00:31:58,560
Speaker 5: It sounds like she's pretty struck for cash, and it

748
00:31:58,640 --> 00:32:01,480
Speaker 5: might just put an even bigger rift between the two

749
00:32:01,520 --> 00:32:04,280
Speaker 5: of you. I think I would probably go down the

750
00:32:04,360 --> 00:32:06,719
Speaker 5: route of just explaining to her how you feel and

751
00:32:06,760 --> 00:32:09,479
Speaker 5: saying hey, like I wanted you to put yourself first.

752
00:32:09,920 --> 00:32:11,680
Speaker 5: I thought that you didn't have any money.

753
00:32:11,960 --> 00:32:12,200
Speaker 1: You know.

754
00:32:12,400 --> 00:32:15,160
Speaker 5: Having seen you behave this way or do these things

755
00:32:15,320 --> 00:32:18,280
Speaker 5: has really made me feel like you value your money

756
00:32:18,280 --> 00:32:21,840
Speaker 5: over mine, or you know, something like that, and explaining

757
00:32:21,880 --> 00:32:23,920
Speaker 5: to her. Maybe she doesn't see it from that perspective,

758
00:32:23,960 --> 00:32:25,560
Speaker 5: but in terms of getting it back, I don't know

759
00:32:25,600 --> 00:32:28,320
Speaker 5: that you will. And it's hard. When you love someone,

760
00:32:28,480 --> 00:32:30,800
Speaker 5: you want to support them, you want to resource them,

761
00:32:30,840 --> 00:32:32,480
Speaker 5: you want to do it whatever you can to make

762
00:32:32,520 --> 00:32:35,800
Speaker 5: sure that they're well off. And I know that it

763
00:32:35,840 --> 00:32:39,120
Speaker 5: might go against your instinct, but I think my advice

764
00:32:39,160 --> 00:32:41,680
Speaker 5: would be to probably not do it again, maybe try

765
00:32:41,720 --> 00:32:44,680
Speaker 5: to find other ways to help resource her. I know

766
00:32:44,800 --> 00:32:47,320
Speaker 5: that there's you know, the mental health plans in Australia.

767
00:32:47,360 --> 00:32:49,400
Speaker 5: I don't know whether or not she qualifies for those,

768
00:32:49,480 --> 00:32:52,600
Speaker 5: but looking into that, looking into you know, some of

769
00:32:52,640 --> 00:32:55,400
Speaker 5: the hotlines that have access to resources and things of

770
00:32:55,440 --> 00:32:58,200
Speaker 5: that nature, things that you can do to help her

771
00:32:58,320 --> 00:33:01,200
Speaker 5: without necessarily taking money out of your own pocket. Because

772
00:33:01,200 --> 00:33:05,840
Speaker 5: it sounds like you guys aren't valuing her mental health

773
00:33:05,920 --> 00:33:09,200
Speaker 5: or those psychology appointments in the same way. Yeah, what

774
00:33:09,240 --> 00:33:09,800
Speaker 5: do you think they do?

775
00:33:10,200 --> 00:33:13,240
Speaker 4: I feel like I have been the friend that has

776
00:33:13,280 --> 00:33:16,040
Speaker 4: wanted to do this before. I can't say I've paid

777
00:33:16,120 --> 00:33:20,480
Speaker 4: for someone's psych appointments, but I definitely have given money

778
00:33:20,680 --> 00:33:24,240
Speaker 4: to friends or people I know in the hope that

779
00:33:24,440 --> 00:33:27,720
Speaker 4: it fixes them or changes them. And this is just

780
00:33:27,800 --> 00:33:30,280
Speaker 4: in hindsight. I'm not thinking that in the moment, just

781
00:33:30,320 --> 00:33:32,880
Speaker 4: trying to be generous and like look after them. However,

782
00:33:34,240 --> 00:33:37,240
Speaker 4: in I guess retrospect, when you look back on that,

783
00:33:37,800 --> 00:33:40,480
Speaker 4: I feel like when you do that, you're kind of

784
00:33:40,560 --> 00:33:44,400
Speaker 4: tunnel visioned. You're not going, oh, this is gonna you know,

785
00:33:44,640 --> 00:33:48,080
Speaker 4: actually have to play into their value system and their

786
00:33:48,160 --> 00:33:51,080
Speaker 4: priorities and where they're at mentally. I kind of go, well,

787
00:33:51,120 --> 00:33:53,920
Speaker 4: if I pay for your sych sessions, that'll help you

788
00:33:53,960 --> 00:33:56,840
Speaker 4: get better, full stop, end of story. And I think

789
00:33:56,880 --> 00:33:59,320
Speaker 4: that you know, when you probably offered, you didn't put

790
00:33:59,360 --> 00:34:02,400
Speaker 4: a lot of pros around this gift. You would have maybe,

791
00:34:02,480 --> 00:34:05,560
Speaker 4: and I'm assuming that you are the same type of

792
00:34:05,600 --> 00:34:07,400
Speaker 4: person as me, and I would love to think that

793
00:34:07,480 --> 00:34:10,120
Speaker 4: it's because I'm empathetic and generous and if I've got

794
00:34:10,120 --> 00:34:13,000
Speaker 4: the means, like, I want to help, So you might

795
00:34:13,000 --> 00:34:15,400
Speaker 4: have just been like, look, you know, Jess, what if

796
00:34:16,000 --> 00:34:18,439
Speaker 4: you're saying you can't afford it, what if I pay

797
00:34:18,480 --> 00:34:20,160
Speaker 4: for that? I just really want you to be in

798
00:34:20,160 --> 00:34:22,799
Speaker 4: the best possible position, and Jess you go, oh, well,

799
00:34:22,840 --> 00:34:24,640
Speaker 4: actually that would be really kind because in the back

800
00:34:24,680 --> 00:34:27,280
Speaker 4: of your mind, just like just using just as an example,

801
00:34:27,560 --> 00:34:29,640
Speaker 4: in the back of your mind, you you really do

802
00:34:29,920 --> 00:34:32,160
Speaker 4: want to change, you do want to get better. But

803
00:34:32,520 --> 00:34:35,520
Speaker 4: the overarching thing is that ultimately your priority is are

804
00:34:35,520 --> 00:34:37,959
Speaker 4: not there yet. You might not be willing to get help,

805
00:34:38,000 --> 00:34:41,680
Speaker 4: You might not you know, have the drive to do that.

806
00:34:41,800 --> 00:34:45,080
Speaker 4: Even though that conversation was really motivating and it was

807
00:34:45,160 --> 00:34:47,080
Speaker 4: really nice, like how many times will we sat down

808
00:34:47,080 --> 00:34:49,640
Speaker 4: with ourselves, Like I remember even me going, look, I'm

809
00:34:49,640 --> 00:34:52,480
Speaker 4: just going to stop biting my nails, And then the

810
00:34:52,520 --> 00:34:55,040
Speaker 4: next week, I'm biting my nails and I'm like like,

811
00:34:55,080 --> 00:34:57,279
Speaker 4: and I had every intention of doing the right thing,

812
00:34:57,320 --> 00:34:59,719
Speaker 4: Like I bought the fancy nail polish I did, you know,

813
00:35:00,239 --> 00:35:02,720
Speaker 4: looked up on YouTube how to do a meditation about

814
00:35:02,760 --> 00:35:04,920
Speaker 4: not biting my nails, and like, you have all the

815
00:35:04,960 --> 00:35:07,040
Speaker 4: gung ho at the start, but maybe you fall off

816
00:35:07,040 --> 00:35:09,800
Speaker 4: the bandwagon because maybe you're just not ready for change.

817
00:35:09,840 --> 00:35:13,800
Speaker 4: Maybe you're not ready to you know, take on mental

818
00:35:13,840 --> 00:35:16,839
Speaker 4: health help. And I think that there's a lot to

819
00:35:16,880 --> 00:35:19,000
Speaker 4: say about that, because also it is really.

820
00:35:18,840 --> 00:35:20,040
Speaker 2: Hard to reach out for help.

821
00:35:20,360 --> 00:35:23,239
Speaker 4: Some people aren't ready for it, Like you only hear

822
00:35:23,360 --> 00:35:25,680
Speaker 4: what you want to hear in those sessions, and if

823
00:35:25,719 --> 00:35:27,879
Speaker 4: you're not open to it, it's action.

824
00:35:28,160 --> 00:35:29,279
Speaker 2: No, I won't say, a waste of.

825
00:35:29,200 --> 00:35:31,520
Speaker 4: Time, but it can be a bit of a waste

826
00:35:31,520 --> 00:35:33,720
Speaker 4: of your money if you're like, I'll go those sych sessions,

827
00:35:33,760 --> 00:35:35,960
Speaker 4: but I'm definitely not going to implement anything they do.

828
00:35:36,320 --> 00:35:39,200
Speaker 4: And like, you know, let's pretend that the and this

829
00:35:39,239 --> 00:35:42,319
Speaker 4: is a wild speculation, Let's pretend that your friend needs

830
00:35:42,360 --> 00:35:44,920
Speaker 4: psych help because they maybe have lost their way and

831
00:35:45,080 --> 00:35:47,960
Speaker 4: they are doing a lot of drugs and you thought

832
00:35:47,960 --> 00:35:49,520
Speaker 4: that you could sweep in and that would be like

833
00:35:49,640 --> 00:35:51,839
Speaker 4: the magical key that opens the world to a new

834
00:35:51,920 --> 00:35:52,640
Speaker 4: kingdom for them.

835
00:35:53,160 --> 00:35:54,000
Speaker 2: They're not ready for that.

836
00:35:54,400 --> 00:35:56,160
Speaker 4: And like maybe they're not ready to hear from a

837
00:35:56,200 --> 00:35:58,680
Speaker 4: psychologist and maybe they're even going to those sessions and

838
00:35:58,719 --> 00:35:59,960
Speaker 4: being like, yep.

839
00:36:00,320 --> 00:36:03,080
Speaker 2: I'm getting help. No worries. So, Meredith is next weekend,

840
00:36:03,280 --> 00:36:04,960
Speaker 2: I've got four hundred bucks in my account.

841
00:36:05,000 --> 00:36:06,880
Speaker 4: I'm just going to spend it on that because it

842
00:36:06,880 --> 00:36:09,400
Speaker 4: becomes a need, right so I think we need to

843
00:36:09,440 --> 00:36:11,919
Speaker 4: step back and look at the psychology behind. Well, why

844
00:36:11,920 --> 00:36:14,479
Speaker 4: did you want to do that? Like, obviously you wanted

845
00:36:14,480 --> 00:36:17,080
Speaker 4: to put your friend in the best possible position. But

846
00:36:17,640 --> 00:36:20,440
Speaker 4: by doing that, were you acknowledging whether your friend was

847
00:36:20,480 --> 00:36:22,719
Speaker 4: in the position to change yet or not, or were

848
00:36:22,760 --> 00:36:25,680
Speaker 4: you trying to push them down a path that maybe

849
00:36:25,680 --> 00:36:26,719
Speaker 4: they weren't ready to walk.

850
00:36:27,000 --> 00:36:27,799
Speaker 2: Does that make sense?

851
00:36:27,840 --> 00:36:30,200
Speaker 4: Because really I just look at it and I go, well,

852
00:36:30,360 --> 00:36:32,680
Speaker 4: if someone else is not ready for it, they might

853
00:36:32,719 --> 00:36:35,120
Speaker 4: be super motivated. And you know what, your friend probably

854
00:36:35,160 --> 00:36:38,239
Speaker 4: had the best of intentions when accepting your help. Like

855
00:36:38,360 --> 00:36:40,640
Speaker 4: how beautiful if I turned around said to bet you beck,

856
00:36:41,440 --> 00:36:43,920
Speaker 4: there's this thing that you need and you're telling me

857
00:36:43,920 --> 00:36:45,600
Speaker 4: you can't for I would love to make sure that

858
00:36:45,640 --> 00:36:46,120
Speaker 4: you get that.

859
00:36:46,200 --> 00:36:48,440
Speaker 2: You'd be like, oh theah you like that's so generous

860
00:36:48,480 --> 00:36:50,200
Speaker 2: and so kind. I would love to do that.

861
00:36:50,800 --> 00:36:52,960
Speaker 4: I don't think your friend ever set out to disrespect

862
00:36:53,080 --> 00:36:55,239
Speaker 4: you or the money that you have spent. I think

863
00:36:55,280 --> 00:36:58,640
Speaker 4: that clearly there's a lot going on here. But also

864
00:36:59,000 --> 00:37:01,520
Speaker 4: the second layer to question, how do I ask for

865
00:37:01,560 --> 00:37:02,239
Speaker 4: my money back?

866
00:37:02,480 --> 00:37:03,319
Speaker 2: I would say, you don't.

867
00:37:03,360 --> 00:37:03,959
Speaker 9: It was a gift.

868
00:37:04,040 --> 00:37:06,440
Speaker 4: Yeah, yeah, it was a gift and you gave it

869
00:37:06,480 --> 00:37:10,120
Speaker 4: to them with no intention of saying actually, there are

870
00:37:10,160 --> 00:37:13,520
Speaker 4: some stipulations on this. If you cross a boundary ABCD,

871
00:37:13,680 --> 00:37:15,680
Speaker 4: E or F, I will be asking you for the

872
00:37:15,680 --> 00:37:19,239
Speaker 4: money back, because I can almost guarantee if I said, hey, Beck,

873
00:37:19,239 --> 00:37:21,359
Speaker 4: I'm willing to help get that thing, and you go, yeah, great,

874
00:37:21,360 --> 00:37:22,080
Speaker 4: great great, and I go.

875
00:37:22,160 --> 00:37:25,080
Speaker 2: But also if you do ab C or D, you'll

876
00:37:25,080 --> 00:37:25,680
Speaker 2: have to pay it back.

877
00:37:25,680 --> 00:37:28,080
Speaker 4: You go, oh, I can't commit to that, Yeah, because

878
00:37:28,120 --> 00:37:30,040
Speaker 4: maybe your friend wouldn't have let you do that in

879
00:37:30,040 --> 00:37:31,520
Speaker 4: that case, Does that make sense?

880
00:37:31,560 --> 00:37:32,600
Speaker 6: I sally agree.

881
00:37:32,680 --> 00:37:34,399
Speaker 5: There's like such a strongle or there can be such

882
00:37:34,400 --> 00:37:36,840
Speaker 5: a strong link between drug use and mental health too,

883
00:37:36,920 --> 00:37:39,040
Speaker 5: Like we don't really drug a context of whether it's

884
00:37:39,120 --> 00:37:41,319
Speaker 5: consistent usage or whether it's just oh I was at

885
00:37:41,360 --> 00:37:43,480
Speaker 5: a festival and that's what people would do, but we

886
00:37:43,520 --> 00:37:44,080
Speaker 5: don't really have.

887
00:37:44,160 --> 00:37:44,880
Speaker 2: We have NOD.

888
00:37:45,440 --> 00:37:48,360
Speaker 5: But if they are having ongoing mental health struggles, like

889
00:37:48,400 --> 00:37:51,000
Speaker 5: that could lean into why they chose to do that,

890
00:37:51,080 --> 00:37:53,520
Speaker 5: which again is just like an extra layer of complexity

891
00:37:53,560 --> 00:37:56,120
Speaker 5: that you're not really equipped to handle.

892
00:37:56,320 --> 00:37:58,560
Speaker 4: And also it doesn't make them a bad person. Yeah,

893
00:37:58,640 --> 00:38:03,239
Speaker 4: Like change is really hard, like human beings at a

894
00:38:03,400 --> 00:38:07,440
Speaker 4: base primal level. Do not like change because change is

895
00:38:07,560 --> 00:38:10,960
Speaker 4: risk and risk means I could be in trouble. So

896
00:38:11,280 --> 00:38:13,480
Speaker 4: you know, it's the devil you know versus the devil

897
00:38:13,520 --> 00:38:16,400
Speaker 4: you don't, right, So I think we need to acknowledge

898
00:38:16,480 --> 00:38:20,160
Speaker 4: that change is really hard, and it's hard, it's slow,

899
00:38:20,280 --> 00:38:22,719
Speaker 4: it's part of the process. I think that, you know,

900
00:38:22,760 --> 00:38:25,080
Speaker 4: there's actually a lot to this. I'm just so glad

901
00:38:25,080 --> 00:38:28,920
Speaker 4: that your friend was open to mental health, you know, help,

902
00:38:29,360 --> 00:38:32,960
Speaker 4: I think having a genuine conversation definitely not asking for

903
00:38:33,000 --> 00:38:36,360
Speaker 4: the money back, but going hey, Jess, can we have

904
00:38:36,360 --> 00:38:38,840
Speaker 4: a chat. I'm just feeling like it's a bit frustrating.

905
00:38:38,920 --> 00:38:40,719
Speaker 4: I really thought that you were going to get help

906
00:38:40,800 --> 00:38:43,200
Speaker 4: for X, Y and Z. You know, I'm even paying

907
00:38:43,239 --> 00:38:45,480
Speaker 4: for it, and then you spent four hundred bucks like

908
00:38:45,600 --> 00:38:49,799
Speaker 4: on something really discretionary and like you in it or

909
00:38:49,800 --> 00:38:51,799
Speaker 4: you're out of it, because like obviously it makes me

910
00:38:51,840 --> 00:38:53,960
Speaker 4: not want to pay for your sessions because you're not

911
00:38:54,520 --> 00:38:57,719
Speaker 4: learning anything, like nothing's happening, like what should we do?

912
00:38:57,840 --> 00:39:00,000
Speaker 4: And maybe your friend will actually go, oh my god,

913
00:39:00,400 --> 00:39:04,680
Speaker 4: I'm actually so embarrassed about this situation. Like it's one

914
00:39:04,680 --> 00:39:06,600
Speaker 4: of those sleeper it could be a really beautiful learning

915
00:39:06,640 --> 00:39:07,680
Speaker 4: experience for both of you.

916
00:39:07,800 --> 00:39:09,680
Speaker 7: Totally, and just to like add to that as well,

917
00:39:09,719 --> 00:39:11,960
Speaker 7: like I obviously don't have enough context here and what

918
00:39:12,280 --> 00:39:15,920
Speaker 7: your friend's going through, but in that moment, trying to

919
00:39:16,480 --> 00:39:19,400
Speaker 7: frame it as something that she shouldn't be ashamed of,

920
00:39:19,400 --> 00:39:22,000
Speaker 7: shouldn't be embarrassed about that kind of thing, because that

921
00:39:22,000 --> 00:39:25,000
Speaker 7: could really make someone spiral. Even myself as someone who

922
00:39:25,000 --> 00:39:28,760
Speaker 7: I wouldn't consider having any very serious mental health issues,

923
00:39:28,960 --> 00:39:32,680
Speaker 7: something like that would make me spiral into oblivion. So

924
00:39:32,920 --> 00:39:35,400
Speaker 7: I would say keep that in mind. Also, just trying

925
00:39:35,440 --> 00:39:38,720
Speaker 7: to find out best ways to support her moving forward

926
00:39:38,800 --> 00:39:43,680
Speaker 7: without like the financial support basically like physical and mental

927
00:39:43,719 --> 00:39:46,520
Speaker 7: emotional support. Trying to find the best way to I

928
00:39:46,520 --> 00:39:49,560
Speaker 7: guess like meet her needs without dishing out any more money.

929
00:39:49,719 --> 00:39:53,880
Speaker 2: Yeah, so we got heaps of responses on this.

930
00:39:54,920 --> 00:39:57,799
Speaker 4: A lot of them were saying, look, your money's gone,

931
00:39:57,880 --> 00:40:00,400
Speaker 4: you're not getting it back. It's whether you who's a

932
00:40:00,440 --> 00:40:02,840
Speaker 4: friend now too or not, which I thought was a

933
00:40:02,840 --> 00:40:03,439
Speaker 4: really good point.

934
00:40:03,800 --> 00:40:04,400
Speaker 2: Yeah.

935
00:40:04,520 --> 00:40:06,240
Speaker 4: A lot of people were saying, look, I just wouldn't

936
00:40:06,239 --> 00:40:09,080
Speaker 4: pay for any more sessions moving forward again, wouldn't ask

937
00:40:09,080 --> 00:40:11,759
Speaker 4: for the money back. A lot of people said, she

938
00:40:12,120 --> 00:40:15,759
Speaker 4: really needs to help herself. It's actually not up to you,

939
00:40:15,880 --> 00:40:18,839
Speaker 4: like you don't have that power, which is really sad

940
00:40:18,840 --> 00:40:20,880
Speaker 4: as someone like me who sometimes always wants to come

941
00:40:20,920 --> 00:40:21,160
Speaker 4: in and.

942
00:40:21,120 --> 00:40:23,720
Speaker 2: Fix everything, but it's true.

943
00:40:23,840 --> 00:40:25,839
Speaker 4: A lot of people then said, you know, sit down

944
00:40:25,960 --> 00:40:28,480
Speaker 4: and have an open conversation with her, talk to her

945
00:40:28,520 --> 00:40:32,040
Speaker 4: about it, openly, have a frank conversation. A lot of

946
00:40:32,080 --> 00:40:35,000
Speaker 4: people wanted to let us know about the ten times

947
00:40:35,080 --> 00:40:38,279
Speaker 4: I think it's twelve times Medicare rebate psychology sessions if

948
00:40:38,360 --> 00:40:41,000
Speaker 4: you go to your GP and get a mental health

949
00:40:41,040 --> 00:40:44,160
Speaker 4: care plan. I do also want to acknowledge that that

950
00:40:44,320 --> 00:40:49,000
Speaker 4: is getting harder and harder to access nowadays. So it's

951
00:40:49,080 --> 00:40:53,080
Speaker 4: hard nowadays, especially in Victoria. I know in Queensland it's

952
00:40:53,120 --> 00:40:55,800
Speaker 4: really challenging. I don't know a lot about the other states,

953
00:40:55,800 --> 00:40:59,040
Speaker 4: but I'm assuming we're all having the same issues because

954
00:40:59,080 --> 00:41:02,640
Speaker 4: across the Borderustralian doctors are having to increase their prices.

955
00:41:02,960 --> 00:41:04,480
Speaker 2: I'm not saying that's a bad thing.

956
00:41:04,560 --> 00:41:07,640
Speaker 4: They cost of living, crisis paying their staff, all of that,

957
00:41:07,880 --> 00:41:10,120
Speaker 4: like it has to come into it, but Medicare is

958
00:41:10,160 --> 00:41:14,880
Speaker 4: not keeping up and finding a GP that has no

959
00:41:15,000 --> 00:41:17,920
Speaker 4: gap is getting increasingly hard. If you found a GP

960
00:41:18,040 --> 00:41:20,120
Speaker 4: that has no gap and you just can claim it

961
00:41:20,160 --> 00:41:23,239
Speaker 4: all or medicare. It's even harder to find a psychologist

962
00:41:23,280 --> 00:41:26,160
Speaker 4: that operates under having no gap. If they do exist,

963
00:41:26,200 --> 00:41:28,160
Speaker 4: they usually have a really long weight period.

964
00:41:28,239 --> 00:41:29,960
Speaker 2: So I don't want you guys to think, oh.

965
00:41:29,840 --> 00:41:31,560
Speaker 4: They just say go to medicare. But I've dried that

966
00:41:31,600 --> 00:41:34,360
Speaker 4: and it's really hard. I totally get it. It's becoming

967
00:41:34,360 --> 00:41:37,360
Speaker 4: inaccessible and we need to do a lot more about it. However,

968
00:41:38,320 --> 00:41:42,560
Speaker 4: it is still a very valid pathway, and I wouldn't

969
00:41:42,560 --> 00:41:46,320
Speaker 4: be discouraged knowing that information. I'd go all right, well,

970
00:41:46,480 --> 00:41:48,600
Speaker 4: I'll give it a crack, because you know what, even

971
00:41:48,600 --> 00:41:52,080
Speaker 4: if there is a six month weight period, you're going

972
00:41:52,120 --> 00:41:53,839
Speaker 4: to need the help in six months anyway as well.

973
00:41:54,000 --> 00:41:55,160
Speaker 2: Yes, you need immediate help.

974
00:41:55,160 --> 00:41:56,640
Speaker 4: I totally get that, and we're going to put a

975
00:41:56,640 --> 00:41:59,680
Speaker 4: whole heap of tools and resources in our show notes

976
00:41:59,719 --> 00:42:02,839
Speaker 4: for you that involve immediate help. But if you want

977
00:42:02,880 --> 00:42:05,280
Speaker 4: to get onto a mental health care plan, I wouldn't

978
00:42:05,320 --> 00:42:07,680
Speaker 4: shy away from the weight I'd sign up. And you

979
00:42:07,680 --> 00:42:09,600
Speaker 4: know what can I do in the interim, How can I,

980
00:42:09,680 --> 00:42:13,520
Speaker 4: you know, build towards that because it could be invaluable

981
00:42:13,560 --> 00:42:15,160
Speaker 4: to changing your life in a way.

982
00:42:15,000 --> 00:42:15,799
Speaker 2: That you want it to.

983
00:42:16,520 --> 00:42:18,720
Speaker 4: Again, lots of people are saying, look, it's really hard,

984
00:42:18,840 --> 00:42:21,319
Speaker 4: but I would accept it as a money loss, but

985
00:42:21,560 --> 00:42:25,240
Speaker 4: keep my friend. Basically, all of your responses were really

986
00:42:25,280 --> 00:42:27,279
Speaker 4: on the same page, which I really liked.

987
00:42:27,520 --> 00:42:28,440
Speaker 2: That's not that common.

988
00:42:28,560 --> 00:42:31,160
Speaker 4: Usually there's like lots of like spicy opinions like oh,

989
00:42:31,160 --> 00:42:32,680
Speaker 4: you should tell your friend off, or should cut them

990
00:42:32,719 --> 00:42:35,000
Speaker 4: out if you do this, you should do that. Everyone

991
00:42:35,040 --> 00:42:38,040
Speaker 4: here in our DMS this week has been so empathetic

992
00:42:38,040 --> 00:42:41,839
Speaker 4: and kind. Wow, that's so lovely, which honestly we kind

993
00:42:41,840 --> 00:42:44,520
Speaker 4: of expected from how She's on the Money community. But yeah,

994
00:42:44,640 --> 00:42:46,799
Speaker 4: lots of people were just saying, look, it's just really

995
00:42:46,800 --> 00:42:49,799
Speaker 4: important that next time you do something like this, set

996
00:42:49,880 --> 00:42:53,200
Speaker 4: really clear boundaries about what you're paying actually means.

997
00:42:53,640 --> 00:42:56,120
Speaker 2: So that's probably a good place to leave it. Guys. Anyway,

998
00:42:56,520 --> 00:42:57,600
Speaker 2: have the best week.

999
00:42:57,680 --> 00:42:59,960
Speaker 4: We will see you bright and early on Monday morning

1000
00:43:00,120 --> 00:43:01,240
Speaker 4: for a Money Diaries.

1001
00:43:01,760 --> 00:43:03,120
Speaker 2: See you later, Bye, guys.

1002
00:43:03,200 --> 00:43:09,279
Speaker 5: Bye.

1003
00:43:10,160 --> 00:43:12,680
Speaker 8: The advice shared on She's on the Money is general

1004
00:43:12,760 --> 00:43:16,600
Speaker 8: in nature and does not consider your individual circumstances. She's

1005
00:43:16,640 --> 00:43:20,120
Speaker 8: on the Money exists purely for educational purposes and should

1006
00:43:20,120 --> 00:43:23,320
Speaker 8: not be relied upon to make an investment or financial decision.

1007
00:43:23,680 --> 00:43:26,160
Speaker 8: If you do choose to buy a financial product, read

1008
00:43:26,160 --> 00:43:29,520
Speaker 8: the PDS TMD and obtain appropriate financial.

1009
00:43:29,080 --> 00:43:30,880
Speaker 4: Advice tailored towards your needs.

1010
00:43:31,239 --> 00:43:35,160
Speaker 8: Victoria, Divine and She's on the Money are authorized representatives

1011
00:43:35,200 --> 00:43:39,080
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