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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want to financial freedom.

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Speaker 1: I'm anab Elie, one of your co hosts.

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Speaker 3: If you've tuned in before, you might already know that

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Speaker 3: I'm a law student and a millennial and I so

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Speaker 3: desperately want to lift my money game. To do that,

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Speaker 3: Every week I pick the brains of my friend and

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Speaker 3: money expert Victoria Devine.

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Speaker 1: Welcome Victoria. Hello. It has been a great week for so.

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Speaker 3: Many of our shoes and the Money community members. I've

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Speaker 3: seen so many money wins and I am continuously impressed and.

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Speaker 1: Proud and motivated. So as always, let's share our favorites

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Speaker 1: from the week. What have you got for me?

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Speaker 4: I love that I get to go first in here

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Speaker 4: because I get first choice. Yes, sorry, This week, I've

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Speaker 4: got Holly, and Holly says I'm officially debt free, and

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Speaker 4: you know I love this because she says that she

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Speaker 4: just sold her car for the amount she owned to

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Speaker 4: her personal loan, which was fourteen thousand dollars, and she

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Speaker 4: was gonna buy another car for about six thousand dollars

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Speaker 4: so she could pay off her loan in half the time,

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Speaker 4: as her partner and her were saving for her first house.

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Speaker 4: But she thought about it a lot, had to chat

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Speaker 4: with her dad and decided to buy his car, which

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Speaker 4: was her first car ever from him, so he agreed

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Speaker 4: and she paid it off in full, and she doesn't

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Speaker 4: have any loan money now and she's completely debt free,

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Speaker 4: and she attributes that to this podcast and the group

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Speaker 4: of women, and she's on the money. So I could

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Speaker 4: not be prouder of her, and I love that story.

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Speaker 3: There's nothing we love more than debt free one hundred

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Speaker 3: percent years. I've got one from Belle this week, who says,

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Speaker 3: this week I achieved a number of money wins. She says,

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Speaker 3: I'm thirty four, a single mom to a teenager in

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Speaker 3: private school, and this is the first week of my life.

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Speaker 3: I feel like I've got control of this money thing.

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Speaker 3: She's hit the one hundred thousand dollar mark on a

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Speaker 3: super and she's proud of her credit card in foot

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Speaker 3: which was three thousand dollars. She ended up by saying

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Speaker 3: a year ago this all fell impossible. So tonight I

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Speaker 3: will celebrate my achievements.

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Speaker 4: And we are celebrating with her. That's amazing.

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Speaker 1: From one bell to the other. She's smashing it. Yay Victoria.

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Speaker 1: Today on the show, we're talking about trouble.

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Speaker 3: How does FOMO contribute to tens of thousands of millennials

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Speaker 3: accumulating bad debt? How do you see the world without

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Speaker 3: landing yourself in a terrible money situation for years to come?

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Speaker 3: But before we get there, as always, it's time to

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Speaker 3: share a money win or a money confession from the week.

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Speaker 1: How'd you go this week? Victoria?

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Speaker 4: I have a money winy. This fune's been a long

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Speaker 4: time coming, though, and I think that it's probably one

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Speaker 4: of my proudest moments. So I love my wardrobe. I

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Speaker 4: try really hard to keep a capsule wardrobe, but I

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Speaker 4: think it's often really hard to really pick the pieces

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Speaker 4: that you don't wear but still love and then give

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Speaker 4: them away.

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Speaker 1: Right.

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Speaker 4: So, at Christmas time, which as I said, long time coming,

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Speaker 4: at Christmas time, I actually turned all of the coat

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Speaker 4: hangers in my wardrobe around to face backwards.

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Speaker 1: That's so smart.

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Speaker 4: And this past weekend I decided that all of those

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Speaker 4: clothes either needed to be donated to charity, sold online,

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Speaker 4: or you know, maybe be given up completely because they're

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Speaker 4: a bit sad But what happened was I pulled them

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Speaker 4: all out, and even though there are a few things

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Speaker 4: that I absolutely loved on the hangar, I realized I

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Speaker 4: hadn't worn at all, and so I popped them on

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Speaker 4: eBay And I am three hundred dollars better off now,

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Speaker 4: and I think my wardrobe is far cleaner and easier

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Speaker 4: because I'm not feeling it full of stuff that I

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Speaker 4: don't wear.

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Speaker 3: That's something I really need to do. And I find

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Speaker 3: so hard giving up items that I even.

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Speaker 1: Though I don't wear, I still love them.

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Speaker 4: They're like my children, I know, and I felt really

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Speaker 4: bad giving up some of them. But when I realized

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Speaker 4: the coat hanger hadn't been turned around in literally eight months,

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Speaker 4: I think that was when I was like, look, if

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Speaker 4: I haven't worn it in eight months, when am I

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Speaker 4: gonna wear it. There are a couple of things I

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Speaker 4: did keep because I couldn't part with them, but there

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Speaker 4: are a number of things I was like, this dress

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Speaker 4: is really great, but I don't wear it.

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Speaker 1: No, that's a great way. That's a great way to force.

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Speaker 4: Its Yeah, so what did you do?

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Speaker 1: I have a money confession this week?

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Speaker 3: No, come on, Annabel, You've been so good so it

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Speaker 3: kind of aligns with last week. I talked about my

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Speaker 3: eyebrow tint before I got the new ones in the mail.

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Speaker 3: I went on Groupon, and I think I have a

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Speaker 3: bit of a group on addiction.

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Speaker 4: I feel like they need to sponsor us because you

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Speaker 4: use them so often.

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Speaker 1: We do and like the idea.

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Speaker 3: The concept of groupon is good things for cheaper, but

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Speaker 3: I'm definitely over using it. I bought like a voucher

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Speaker 3: for my eyebrows, no wonder, they look so good, Thank you,

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Speaker 3: thank you, like massages, nails.

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Speaker 1: It's no, it's an issue.

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Speaker 4: So this week you've gone and what bought? How many vouchers?

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Speaker 1: I don't even know the number. You need to help

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Speaker 1: me because.

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Speaker 4: That is so naughty. But also I hope you really

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Speaker 4: enjoy them.

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Speaker 3: Oh I will, so, Victoria. We want to see the world.

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Speaker 3: But according to a twenty nineteen survey in Travel Pulse,

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Speaker 3: fifty six percent of millennials go into debt for travel.

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Speaker 3: That's more than half six percent, more than half of us.

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Speaker 1: So let's start there.

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Speaker 3: Is this something you've seen anecdotically amongst your own friends,

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Speaker 3: Because I have quite a lot of friends who go

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Speaker 3: overseas without any sort of money plan, which stresses me

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Speaker 3: out a little, But that means that they end up spending.

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Speaker 1: All that they have far too quickly.

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Speaker 3: They either or to getting personal loans in the end,

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Speaker 3: or they spend the rest of their trip overly stressed

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Speaker 3: about money.

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Speaker 4: Or they call their mom and their mom transfers. But

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Speaker 4: that know that happens so often. So I think this

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Speaker 4: is a really interesting topic to bring up, actually because

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Speaker 4: I think that we justify travel so easily because we

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Speaker 4: say it's for the experience, like I don't want to

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Speaker 4: miss out, and you know, you've got fomo a little bit.

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Speaker 4: But also I can completely understand people saying, well, I

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Speaker 4: don't want to miss out, like two of my girlfriends

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Speaker 4: are going to Europe and I don't want to miss out,

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Speaker 4: Like that's the experience of a lifetime like fair call, right.

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Speaker 4: So I think that this is something we really need

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Speaker 4: to take a step back and really think about, Like

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Speaker 4: why are we traveling? Is it because it's really easy

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Speaker 4: to access, Like we now have all of these travel

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Speaker 4: websites offering after pay and offering you know, loan schemes

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Speaker 4: that you're able to you know, pay off the trip

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Speaker 4: once you return. And I think that that is actually

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Speaker 4: putting us in a position where we think that debt

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Speaker 4: for travel is an okay debt to have, when in reality,

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Speaker 4: it is absolutely not. Debt is a debt you come

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Speaker 4: home with nothing except something that you need to pay off,

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Speaker 4: and you need to pay it off in a way

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Speaker 4: that incurs a lot more interest than a home loan,

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Speaker 4: a lot more interest than any kind of loan, because

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Speaker 4: it's an unsecured personal loan. So you're looking at either

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Speaker 4: having it on a credit card, and credit cards are

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Speaker 4: between you know, sixteen and twenty two percent more if

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Speaker 4: you're a little bit unlucky and have a really high

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Speaker 4: interest credit card or a personal loan which is fourteen

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Speaker 4: to like nineteen percent interest, That's a lot of money

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Speaker 4: to be paying for an experience you already had.

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Speaker 3: Do you think it's maybe a generational thing? Because our

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Speaker 3: generation seems to be borderline obsessed with travel. Fifty five

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Speaker 3: percent of millennials are looking to increase their financial plans

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Speaker 3: the next year, are compared to thirty one percent of

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Speaker 3: Gen X and twenty percent of Baby boomers. Is this

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Speaker 3: a generational thing or are there cultural factors at play

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Speaker 3: here that make us extravagant travelers?

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Speaker 4: Can we just talk about Instagram culture right here, right now. Yes,

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Speaker 4: I think that we see so many people living their

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Speaker 4: best lives overseas and we get a little bit jealous. Yeah,

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Speaker 4: so I see it all the time, like it is

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Speaker 4: what it's all guests now, which is prime Europe season.

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Speaker 1: They're all living it up in summer, they are.

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Speaker 4: So I think that we're in a position where we

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Speaker 4: feel as though we deserve something that we haven't worked for.

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Speaker 4: If we've had a really big year at work, or

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Speaker 4: we've had, you know, something significant happen. Often we go, look,

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Speaker 4: I really need a holiday, and the easiest way to

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Speaker 4: access that is to put it on credit card.

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Speaker 3: Why do you think people automatically want to put it

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Speaker 3: on their credit card or a personal loan instead of saving.

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Speaker 4: Ease of access. You can choose to do it and

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Speaker 4: you know, make the most of those travel deals or

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Speaker 4: make the most of the cheap flights. So often you

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Speaker 4: see people, you know, get their emails in the morning

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Speaker 4: and it's from Webjet, and Webjet says, oh, Hawaii, he's

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Speaker 4: got five hundred dollars return flights, and you go, all,

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Speaker 4: I kind of feel that now, but you know, I'll

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Speaker 4: pop it on my credit card and we'll do it later.

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Speaker 4: And I don't think they think about the real cost

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Speaker 4: of that. So cheap flights are great, but how much

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Speaker 4: interest are you paying on that? How much are you

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Speaker 4: then going to have to spend on accommodation and all

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Speaker 4: of the expenses that are associated with traveling. So those

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Speaker 4: five one hundred dollar flights that you thought were fantastic

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Speaker 4: and now going to cost you three or four thousand

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Speaker 4: dollars in a trip that maybe you couldn't afford because

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Speaker 4: you already put the five hundred dollars on your credit card.

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Speaker 4: And so many people justify this and go, oh, but

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Speaker 4: the flights were so cheap. I got them to Bali,

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Speaker 4: And a little while ago we had someone on the

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Speaker 4: podcast who said, look, I just wrote off the flights

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Speaker 4: completely because it would have cost me more to go

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Speaker 4: than what I would have lost by giving the flights up.

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Speaker 4: And I think we really need to have a good

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Speaker 4: look at ourselves and go, why are we choosing to

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Speaker 4: do this? If you want to go on a holiday,

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Speaker 4: save for it.

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Speaker 3: Yeah, it's that whole like you only live once attitude,

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Speaker 3: and it seems to pop up a lot in these surveys.

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Speaker 3: Do you think that's a fair enough reason to put

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Speaker 3: yourself into debt for holiday. For example, what would you

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Speaker 3: say to a client who explained she's in five thousand

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Speaker 3: dollars worth of debt because you only live once you're low.

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Speaker 4: I just think it's unacceptable to be honest, And I

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Speaker 4: think I'm quite harsh on this, because it's putting you

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Speaker 4: in a financial position where you're not able to achieve

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Speaker 4: your goals, You're not able to work towards wealth, you're

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Speaker 4: not able to do things that you need to do.

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Speaker 4: A holiday, to me, be a reward for doing something

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Speaker 4: really good, and that's something really good should be the savings. Yeah,

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Speaker 4: it shouldn't be you going overseas and spending your rainy

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Speaker 4: day fund. It shouldn't be you going overseas and going

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Speaker 4: into debt. It should be you going overseas and feeling

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Speaker 4: incredible because you've already paid fruit ball.

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Speaker 3: And then coming home and feeling like fresh and rejuvenated

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Speaker 3: instead of having to like pay back all those debts.

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Speaker 4: Exactly. And like, I'm the first to admit that I'm

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Speaker 4: probably a lot more organized than a lot of my friends.

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Speaker 4: But the first thing I do when I want to

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Speaker 4: go on a holiday is create a spreadsheet, and that

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Speaker 4: spreadsheet outlines how much my flights are going to cost,

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Speaker 4: how much my accommodation is going to cost, you know,

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Speaker 4: what I think I'll be spending each day, and I'm

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Speaker 4: pretty generous with that budget. But working out exactly what

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Speaker 4: that holiday is going to cost me and then how

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Speaker 4: much I'm going to have to set aside in addition

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Speaker 4: to my savings and investment goals to achieve that holiday,

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Speaker 4: And sometimes that means me looking at it and going, wow,

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Speaker 4: I'd really like to go because at the moment, I'm

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Speaker 4: thinking of going to Europe in the next two years ish,

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Speaker 4: which will be fantastic. But I look at that and

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Speaker 4: I go, wow, that's you know, five thousand holiday. At

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Speaker 4: least I don't have the surplus, you know, cash at

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Speaker 4: the moment, because I don't want to be impacting my

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Speaker 4: investing or my savings planned to go on this. I

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Speaker 4: don't want to be putting myself backwards. But it's literally

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Speaker 4: going to take me another two years to save up

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Speaker 4: another five thousand dollars by putting money aside each month

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Speaker 4: instead of taking it from what I already have.

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Speaker 3: Yeah, the fact that you're thinking about it now is

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Speaker 3: what maybe more people should be doing thinking about it

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Speaker 3: a bit more in advance so that you can enjoy.

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Speaker 4: That holiday absolutely. And one thing that they always say

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Speaker 4: about travel is the anticipation is half of it. So like,

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Speaker 4: how often do we talk about the travel that we're

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Speaker 4: going to go on, and how often do we have

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Speaker 4: conversations with friends about, you know, what we're going to

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Speaker 4: do when we travel. So I think that travel is

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Speaker 4: fantastic to go on, but it's also something that's really

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Speaker 4: gratifying to look forward to, because having things that we

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Speaker 4: are looking forward to makes us get through the hard

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Speaker 4: days a little bit easier.

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Speaker 3: So, according to Travel Pulse, on average, it takes a

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Speaker 3: year for the average millennial to pay off three thousand

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Speaker 3: dollars of travel debt. Are you at all surprised by that?

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Speaker 3: Do you think we're maybe too flippant with how we

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Speaker 3: spend money on holidays?

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Speaker 4: So it actually all comes back to how much you

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Speaker 4: earn versus how much you spend. I never say to

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Speaker 4: someone that they can't actually travel or that they shouldn't

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Speaker 4: be spending their money on experiences that are really really

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Speaker 4: meaningful to them. I am the first person to say

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Speaker 4: you need to live within your values. So if travel

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Speaker 4: is something that you value the most, contribute a lot

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Speaker 4: of your income to that goal. Put money aside to

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Speaker 4: make sure that that's happening. Don't live your best life

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Speaker 4: here at home, and then also expect to be able

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Speaker 4: to travel as well just because you enjoy it. Savings

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Speaker 4: and investments are something that require a significant amount of compromise.

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Speaker 4: We don't all have unlimited funds, so we need to

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Speaker 4: work out how to use our funds most appropriately. I'd

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Speaker 4: probably be encouraging people to just really take control of

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Speaker 4: their finances. Do a cash flow course, do a budgeting session,

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Speaker 4: organize something so that you are saving every cent and

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Speaker 4: making the most of the money that you earn. But

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Speaker 4: the fact that fifty six percent of millennials are going

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Speaker 4: into debt for travel is actually pretty scary because that's

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Speaker 4: fifty six percent of millennials that aren't working towards their

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Speaker 4: bigger goals.

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Speaker 3: Do you think that that fifty per cent of people

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Speaker 3: have travel in their money values or do you think

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Speaker 3: that maybe they're feeling the pressure from social media on Instagram.

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Speaker 4: I think that it's a bit of both, right, Like

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Speaker 4: I think that if you value going overseas, you're going

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Speaker 4: to spend money on it. I don't think it's just

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Speaker 4: societal pressures. I don't think it's just Instagram, because I

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Speaker 4: think a level headed person will look at Instagram and go, Wow,

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Speaker 4: that Italian holiday that my friend is on. Who knows

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Speaker 4: how much debt she's in or who knows how long

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Speaker 4: she had to save up for that? And we see

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Speaker 4: it all the time, but we don't actually often see

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Speaker 4: people celebrating that they worked really hard for it. Someone

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Speaker 4: that I actually follow on Instagram is Olivia Molly Rodgers,

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Speaker 4: and she recently got back from a holiday and a

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Speaker 4: couple of her posts were really around how hard she'd

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Speaker 4: worked to go on that holiday. And I really appreciated that,

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Speaker 4: Like I could see that she'd worked really hard over

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Speaker 4: a really long period of time to afford that holiday,

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Speaker 4: and you know, her and her partner had saved up

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Speaker 4: for it, made a number of compromises along the way.

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Speaker 4: It's not often that we see people being transparent about

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Speaker 4: how they got to where they're going. I think a

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Speaker 4: lot of people just think it's a given.

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Speaker 1: I would love to see more of that on social media.

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Speaker 4: Absolutely.

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Speaker 1: I saw that they used a spreadsheet as well, which

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Speaker 1: is your.

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Speaker 4: Thing, Oh my gosh, my favorite thing.

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Speaker 1: So Victoria, as someone.

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Speaker 3: Who studied psychology like yourself, why do you think millennials

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Speaker 3: are willing to splash so much spending money on a

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Speaker 3: holiday when they potentially wouldn't do that back home.

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Speaker 4: I think it's really easy to justify spending that you're

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Speaker 4: doing on holiday because you wouldn't do it at home.

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Speaker 4: And you know, you only come here once and this

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Speaker 4: is the only time I'm in Europe, and you know

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Speaker 4: I'm in France, so I probably should just make the.

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Speaker 1: Most of it.

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Speaker 4: I think that we just spend more because we want

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Speaker 4: to make the most of things, but we're not pre

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Speaker 4: planning that spending. More So, as I mentioned before, when

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Speaker 4: I budget for a holiday, I'm pretty lenient on how

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Speaker 4: much e'lse spend each day. Like there have been a

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Speaker 4: couple of times where I've gone overseas and you know,

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Speaker 4: recently we're talking about my New Zealand trip and it

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Speaker 4: wasn't in budget to go to a couple of restaurants,

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Speaker 4: but we did have the cash, and that okay, it

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Speaker 4: just wasn't a part of the plan. I think over

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Speaker 4: budgeting is fantastic because that'll mean one of two things.

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Speaker 4: Either you get to have the best time on your

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Speaker 4: holiday that you didn't realize. You know, there are a

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Speaker 4: couple of things that you planned for, or you come

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Speaker 4: home with extra cash. That's a fantastic position to be in.

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Speaker 3: And I don't think the pre planning necessarily means that

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Speaker 3: we're being the fun police here. I think it means

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Speaker 3: that you can just travel without the stress.

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Speaker 4: Absolutely, And I think by pre planning it puts us

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Speaker 4: in a position where we are leading up to these

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Speaker 4: holidays excited instead of worrying how we're going to pay

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Speaker 4: for them. So, for example, if you're wanting to go

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Speaker 4: on a five thousand dollars holiday in two years, starting

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Speaker 4: now means you only have to put around two hundred

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Speaker 4: dollars away per month. Like that is pretty durable for everybody.

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Speaker 4: It just means starting early and being consistent with your savings.

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Speaker 4: If you really want to go, you'll put that money aside.

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Speaker 1: Exactly.

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Speaker 3: There's this really widespread attitude between millennials that an overseas

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Speaker 3: holiday every year is normal.

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Speaker 1: Do you agree with that?

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Speaker 4: I think I think you have absolutely correct. Is it normal?

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Speaker 4: Absolutely not. I think that it is something that is

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Speaker 4: portrayed in social media as the norm. It is something

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Speaker 4: that our friends talk about. But what we don't talk

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Speaker 4: about is that we're not achieving bigger financial goals. Too

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Speaker 4: often do I talk to people who are telling me

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Speaker 4: that they will never be able to afford a home

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Speaker 4: or you know, it's too hard to save for home deposit.

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Speaker 4: But you look at their history and they've had an

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Speaker 4: overseas holiday every single year.

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Speaker 1: Yeah, I think we.

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Speaker 4: Really need to reevaluate what our values are and how

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Speaker 4: we're prioritizing them. If travel is important to you, fantastic,

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Speaker 4: but how is that impacting your other goals? Should you

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Speaker 4: be going on a trip every year? Or can we

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Speaker 4: stretch it to every two or three years and just

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Speaker 4: really put a focus on really enjoying that holiday and

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Speaker 4: really looking forward to it.

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Speaker 3: I also think we can't forget that a lot of

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Speaker 3: the people we see on social media are influences and

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Speaker 3: they maybe get paid to go overseas and it's easier

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Speaker 3: for them to.

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Speaker 4: Do so one hundred percent, And I think that that's

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Speaker 4: something that we also don't talk about enough. We're introducing

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Speaker 4: all of this, you know, hash tag sponsored content, which

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Speaker 4: I think is really important, but also those people often

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Speaker 4: have higher salaries than the average person. It is really

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Speaker 4: unrealistic for a couple who have a combined income of

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Speaker 4: one hundred thousand dollars to be able to go on

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Speaker 4: an overseas holiday each year. If you're in a position

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Speaker 4: where you earn sixty thousand dollars a year, five thousand

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Speaker 4: dollars holiday each year is a lot of money. That

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Speaker 4: is not something to kind of blink at and just go, well,

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Speaker 4: it's related to my values. That's fantastic. But what are

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Speaker 4: you compromising in the long term, and are you actually

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Speaker 4: happy to compromise that in the long term or are

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Speaker 4: you going to get to a point ten years from

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Speaker 4: now and say, I haven't purchased a home. I wish

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Speaker 4: i'd known earlier that I needed to save or that

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Speaker 4: I needed to make some different decisions.

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Speaker 3: So, with all we've said in mind, what are some

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Speaker 3: tips you'd give to someone who's about to book holiday.

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Speaker 3: Is it a case of picking our travel buddies wisely

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Speaker 3: and knowing our limits.

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Speaker 4: I think that's really valuable. I think being open and

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Speaker 4: honest with your friends about your budget is really important too.

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Speaker 4: If you're going overseas and you have a budget of

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Speaker 4: fifty dollars a day, but your friends have allocated one

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Speaker 4: hundred dollars a day, you are quickly going to run

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Speaker 4: out of money because their expectations of the activities you

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Speaker 4: do on your holiday are going to be different. So

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Speaker 4: I think being really upfront with your friends about how

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Speaker 4: much you're planning on spending and how much you're planning

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Speaker 4: on taking is really important. And if they're taking more,

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Speaker 4: maybe you need to be aware of that and ramp

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Speaker 4: your savings up, or vice versa, maybe they need to

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Speaker 4: realign their goals to a hostel instead of a hotel

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Speaker 4: and make sure that everybody can enjoy that trip. I

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Speaker 4: think also back to what I've been preaching and talking

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Speaker 4: about pre planning your trip, so not just seeing cheap

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Speaker 4: flights and going fantastic, I really want to jump on these.

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Speaker 4: You know, let's go to Bali. You know, the flight

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Speaker 4: and accommodation package cost me less than a thousand dollars.

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Speaker 4: That's fantastic. Do you actually have that one thousand dollars?

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Speaker 4: Like Bali is going to be there next year? Maybe

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Speaker 4: we spend one hundred or two hundred dollars more on flights,

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Speaker 4: but we don't go into debt for that. I don't

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Speaker 4: think cheap flights is ever an excuse for someone to

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Speaker 4: book a holiday, And I think we really need to

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Speaker 4: have a look at the way we're spending because that's

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Speaker 4: quite impulsive.

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Speaker 3: Those places will always be there, those cheap flights will

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Speaker 3: always be there. I think that's something people forget absolutely.

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Speaker 3: And those cheap flights aren't that cheap when they're on credit. Hi, there,

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Speaker 3: you've called the Shoes on the Money Hotline. Do you

428
00:18:14,840 --> 00:18:17,119
Speaker 3: have a money problem you want help solving. Do you

429
00:18:17,119 --> 00:18:18,960
Speaker 3: have a money dilemma you just want to chat about.

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Speaker 3: Victoria is here to help. Each week we'll be playing

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Speaker 3: your hotline questions to help make sense of the money

432
00:18:24,160 --> 00:18:26,320
Speaker 3: mess you may have found yourself in. Give us a

433
00:18:26,320 --> 00:18:28,960
Speaker 3: call on four three five two nine to three double

434
00:18:28,960 --> 00:18:37,520
Speaker 3: eighty six and you might find yourself on the show.

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Speaker 5: Hi, guys, I'm a big fan of the show.

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Speaker 6: I love traveling and I want to be able to

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Speaker 6: go on yearly overseas trips whilst I'm in my twenties.

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Speaker 6: So my question is, if I'm earning sixty five thousand

439
00:18:49,760 --> 00:18:52,399
Speaker 6: a year before tax, what percentage of my income do.

440
00:18:52,400 --> 00:18:53,800
Speaker 5: You think should be put towards travel?

441
00:18:54,000 --> 00:18:55,639
Speaker 6: I really want to make the most of my twenties

442
00:18:55,640 --> 00:18:57,800
Speaker 6: and travel as much as I can, but I also

443
00:18:57,840 --> 00:18:59,520
Speaker 6: don't want to be living above my means.

444
00:19:00,000 --> 00:19:00,640
Speaker 5: Wait, thanks so.

445
00:19:00,640 --> 00:19:03,240
Speaker 1: Much, guys. Thoughts Victoria.

446
00:19:03,520 --> 00:19:06,040
Speaker 4: So, while she's saying that she has a sixty five

447
00:19:06,119 --> 00:19:09,840
Speaker 4: thousand dollar income before tax, any budget she puts together

448
00:19:10,280 --> 00:19:12,880
Speaker 4: needs to be net income. So that's actually what's going

449
00:19:12,920 --> 00:19:15,880
Speaker 4: into her bank account each and every single month. Her

450
00:19:15,960 --> 00:19:18,439
Speaker 4: net nearly income is about fifty two thousand dollars, so

451
00:19:18,440 --> 00:19:21,240
Speaker 4: that's what she's earning. I think that there's never actually

452
00:19:21,280 --> 00:19:24,640
Speaker 4: an appropriate amount to put towards travel. Again, it goes

453
00:19:24,680 --> 00:19:27,720
Speaker 4: back to your values. If five thousand dollars holidays each

454
00:19:27,800 --> 00:19:31,400
Speaker 4: year are aligned to your values, that's fantastic. As long

455
00:19:31,440 --> 00:19:33,960
Speaker 4: as you're not working towards a bigger goal, that's suffering.

456
00:19:34,359 --> 00:19:36,680
Speaker 4: So if you're saving for home, or you're putting money

457
00:19:36,680 --> 00:19:39,320
Speaker 4: into an investment, or you are in a position where

458
00:19:39,320 --> 00:19:42,520
Speaker 4: you just want to be saving for life, is a

459
00:19:42,560 --> 00:19:45,480
Speaker 4: five thousand dollar holiday every single year going to align

460
00:19:45,520 --> 00:19:47,880
Speaker 4: to your goals? Or should you take a step back

461
00:19:47,920 --> 00:19:50,000
Speaker 4: and say, you know what, whilst I earn sixty five

462
00:19:50,040 --> 00:19:52,560
Speaker 4: thousand dollars a year, maybe I should be in a

463
00:19:52,600 --> 00:19:54,919
Speaker 4: position where I'm taking a holiday every second year and

464
00:19:54,960 --> 00:19:56,960
Speaker 4: maybe saving two and a half thousand dollars a year,

465
00:19:57,119 --> 00:20:00,479
Speaker 4: or potentially choosing locations that are a lot cheap. So

466
00:20:00,520 --> 00:20:04,520
Speaker 4: we all know European vacations are so expensive, but Bali's

467
00:20:04,560 --> 00:20:07,040
Speaker 4: a little bit more reasonable. So maybe having a think

468
00:20:07,040 --> 00:20:10,239
Speaker 4: about the style of holiday that you're taking and not

469
00:20:10,280 --> 00:20:13,160
Speaker 4: assuming you can go to Europe every single year, maybe

470
00:20:13,200 --> 00:20:16,240
Speaker 4: it includes some closer Asian countries that are a lot cheaper,

471
00:20:16,560 --> 00:20:19,120
Speaker 4: and maybe once every five or six years you do

472
00:20:19,320 --> 00:20:20,640
Speaker 4: the big European holiday.

473
00:20:21,000 --> 00:20:24,119
Speaker 1: You don't have to regret anything, No, absolutely not.

474
00:20:24,440 --> 00:20:27,360
Speaker 4: But I think that that comes back to your values.

475
00:20:27,400 --> 00:20:29,720
Speaker 4: And I sound so preachy when I talk about this,

476
00:20:30,000 --> 00:20:33,520
Speaker 4: but everybody's money story is different. Everybody has a different

477
00:20:33,560 --> 00:20:36,320
Speaker 4: set of values and a different set of beliefs around money.

478
00:20:36,520 --> 00:20:38,639
Speaker 4: And if travel is something that you want to do

479
00:20:38,800 --> 00:20:41,840
Speaker 4: and you think that that is absolutely appropriate, go for it.

480
00:20:42,240 --> 00:20:44,320
Speaker 4: But I think that we should also be looking at

481
00:20:44,320 --> 00:20:47,960
Speaker 4: our bigger long term goals because often travel is a

482
00:20:47,960 --> 00:20:51,119
Speaker 4: really short term goal that could impact our long term goals.

483
00:20:56,880 --> 00:20:59,840
Speaker 1: Now let's jump into our money diary segment. Let's go.

484
00:21:06,040 --> 00:21:08,840
Speaker 3: Today's money dary is from twenty one and methodical a

485
00:21:08,840 --> 00:21:11,480
Speaker 3: woman who takes a relationship with money very seriously.

486
00:21:11,760 --> 00:21:15,960
Speaker 7: I have a lot of bank accounts, but there's structure

487
00:21:16,000 --> 00:21:18,639
Speaker 7: to how all of my accounts are set up. I

488
00:21:18,680 --> 00:21:21,480
Speaker 7: have direct transfers, direct debits, all set up so that

489
00:21:21,560 --> 00:21:23,359
Speaker 7: I don't have to think about it too much and

490
00:21:23,400 --> 00:21:25,560
Speaker 7: I can't be tempted to spend too much.

491
00:21:25,640 --> 00:21:26,000
Speaker 1: Yeah.

492
00:21:26,160 --> 00:21:28,320
Speaker 7: I was always a savor as a kid, but I

493
00:21:28,359 --> 00:21:31,959
Speaker 7: think as I've grown up more and seeing how money

494
00:21:32,080 --> 00:21:34,480
Speaker 7: has affected the lives of family and friends quite a

495
00:21:34,560 --> 00:21:38,720
Speaker 7: bit in negative ways, I just really keen on making

496
00:21:38,720 --> 00:21:40,520
Speaker 7: sure that I have myself set up financially so I

497
00:21:40,520 --> 00:21:42,480
Speaker 7: won't ever have to depend on anyone else.

498
00:21:42,760 --> 00:21:42,960
Speaker 6: We know.

499
00:21:43,040 --> 00:21:45,240
Speaker 3: Twenty one and methodical is the kind of empowered woman

500
00:21:45,280 --> 00:21:47,880
Speaker 3: who knows where she wants to go. So how much

501
00:21:47,920 --> 00:21:50,080
Speaker 3: does she earn and how much has she got saved?

502
00:21:50,600 --> 00:21:53,160
Speaker 7: So, because I'm a full time student, I work three

503
00:21:53,240 --> 00:21:56,360
Speaker 7: days a week at a supermarket, I earn about four

504
00:21:56,440 --> 00:21:59,600
Speaker 7: hundred and fifty dollars a week and I have currently

505
00:21:59,640 --> 00:22:02,639
Speaker 7: about five and a half thousand in savings. Yeah, so

506
00:22:02,640 --> 00:22:05,320
Speaker 7: I have twenty five percent of my wage gets transferred

507
00:22:05,359 --> 00:22:09,399
Speaker 7: across directly to some of my savings accounts every week.

508
00:22:09,560 --> 00:22:11,560
Speaker 3: So we know how twenty one and methodical gets paid,

509
00:22:11,640 --> 00:22:14,160
Speaker 3: but what exactly happens to that money after it's deposited

510
00:22:14,200 --> 00:22:15,000
Speaker 3: into her account?

511
00:22:15,200 --> 00:22:18,960
Speaker 7: A portion gets transferred into an account for investing, and

512
00:22:19,000 --> 00:22:22,360
Speaker 7: then another portion goes into an emergency fund, and then

513
00:22:22,359 --> 00:22:25,359
Speaker 7: another portion of that twenty five percent goes into saving

514
00:22:25,400 --> 00:22:26,160
Speaker 7: for trips.

515
00:22:26,280 --> 00:22:28,640
Speaker 1: How does twenty one methodical go with investing?

516
00:22:28,680 --> 00:22:28,960
Speaker 7: Though?

517
00:22:29,160 --> 00:22:30,280
Speaker 5: Yes, so I do invest.

518
00:22:30,840 --> 00:22:34,359
Speaker 7: I've been investing for about three years now. Yeah, So

519
00:22:34,400 --> 00:22:37,360
Speaker 7: when I was in year twelve, a few months before

520
00:22:37,400 --> 00:22:39,159
Speaker 7: I turned eighteen, I started doing a lot of research

521
00:22:39,200 --> 00:22:40,800
Speaker 7: into investing because I knew it was something that I

522
00:22:40,800 --> 00:22:43,000
Speaker 7: wanted to get into, so that I had sort of

523
00:22:43,040 --> 00:22:44,800
Speaker 7: the research treaty to go for when I turn eighteen

524
00:22:44,800 --> 00:22:47,440
Speaker 7: and I could legally invest. So over the past three years,

525
00:22:47,480 --> 00:22:50,600
Speaker 7: I think I've invested about six thousand dollars. That's a

526
00:22:50,640 --> 00:22:57,520
Speaker 7: combination of investing in individual shares through Comsec. I've had

527
00:22:57,520 --> 00:23:00,000
Speaker 7: a raise account for maybe two two and a half years,

528
00:23:00,280 --> 00:23:04,800
Speaker 7: an employee share plan, and recently I've started adding some

529
00:23:04,840 --> 00:23:05,640
Speaker 7: ETFs as well.

530
00:23:05,680 --> 00:23:06,760
Speaker 1: And what about her debts?

531
00:23:07,119 --> 00:23:09,679
Speaker 7: So currently my hex stet is sitting at about thirty

532
00:23:09,800 --> 00:23:12,280
Speaker 7: thousand dollars just over. By the time I finish my

533
00:23:13,320 --> 00:23:16,320
Speaker 7: undergrad degrees, I'll probably be sitting at about fifty thousand

534
00:23:16,480 --> 00:23:18,800
Speaker 7: in a couple of years time, and I currently have

535
00:23:18,960 --> 00:23:22,720
Speaker 7: about three hundred and fifty dollars sitting in my after

536
00:23:22,760 --> 00:23:26,119
Speaker 7: pay account. Obviously, I'd prefer to not have any at

537
00:23:26,160 --> 00:23:30,320
Speaker 7: all on after pay, but as Victoria said in the

538
00:23:30,359 --> 00:23:32,520
Speaker 7: after Bay episode, I believe it was I kind of

539
00:23:32,600 --> 00:23:34,480
Speaker 7: use it if i'm buying. If I have to buy

540
00:23:34,560 --> 00:23:37,320
Speaker 7: something specific, like an outfit for an event, and I

541
00:23:37,359 --> 00:23:39,439
Speaker 7: buy a few options, that's pretty much.

542
00:23:39,280 --> 00:23:40,159
Speaker 5: The only time I use it.

543
00:23:40,440 --> 00:23:43,240
Speaker 7: The reason it's sitting at three fifty at the moment

544
00:23:43,320 --> 00:23:45,480
Speaker 7: is because I've put a couple of my boyfriend's birth

545
00:23:45,480 --> 00:23:47,480
Speaker 7: their presents on it because I'm not sure that I'll

546
00:23:47,520 --> 00:23:49,960
Speaker 7: keep them, like they might be returned. So when I

547
00:23:49,960 --> 00:23:52,200
Speaker 7: think there's a good chance of I only use after

548
00:23:52,240 --> 00:23:54,080
Speaker 7: Bay when I think there's a pretty high chance of

549
00:23:54,280 --> 00:23:56,080
Speaker 7: that I'll be returning stuff, just so that my money

550
00:23:56,080 --> 00:23:58,920
Speaker 7: doesn't get caught up in limbo. Yeah, hextet wise, I mean,

551
00:23:58,960 --> 00:24:00,520
Speaker 7: it's not really anything I can do about it. I'm

552
00:24:00,560 --> 00:24:03,280
Speaker 7: not too worried about it because I don't know it's.

553
00:24:03,119 --> 00:24:05,280
Speaker 5: The one dead that dies with you, So it's the

554
00:24:05,320 --> 00:24:06,520
Speaker 5: one I'm the least worried about.

555
00:24:06,840 --> 00:24:09,120
Speaker 3: So does twenty one and Methodical have any good money

556
00:24:09,119 --> 00:24:10,600
Speaker 3: habits that she's especially proud of.

557
00:24:10,760 --> 00:24:13,240
Speaker 7: I think how I have my bank accounts structured is

558
00:24:13,280 --> 00:24:16,720
Speaker 7: pretty good. Because I have accounts with multiple different institutions.

559
00:24:17,359 --> 00:24:20,520
Speaker 7: It's all quite separated, so I can't dip into save

560
00:24:20,560 --> 00:24:21,600
Speaker 7: these accounts too easily.

561
00:24:21,800 --> 00:24:23,600
Speaker 5: Yeah, I think, yeah, that's probably my best. I don't

562
00:24:23,600 --> 00:24:24,160
Speaker 5: spend too much.

563
00:24:24,200 --> 00:24:26,479
Speaker 7: I'm not in an impulse shop or anything, so I

564
00:24:26,640 --> 00:24:29,400
Speaker 7: always sleep on a purchase, like a significant purchase, before

565
00:24:29,440 --> 00:24:32,520
Speaker 7: I make it. And yeah, I'm really good at prepping

566
00:24:32,560 --> 00:24:34,480
Speaker 7: lunches and things like that for work in UNI, I

567
00:24:34,560 --> 00:24:36,720
Speaker 7: kind of let myself buy a lunch out at Union

568
00:24:36,720 --> 00:24:38,359
Speaker 7: once a week. And I don't let myself buy a

569
00:24:38,359 --> 00:24:40,679
Speaker 7: coffee unless I've got a keep cup. That's my and

570
00:24:40,720 --> 00:24:42,920
Speaker 7: I'm notoriously about it, remembering you bringwa keep cup, so

571
00:24:42,920 --> 00:24:44,480
Speaker 7: it stops me from wasting money on coffee.

572
00:24:44,600 --> 00:24:46,439
Speaker 1: So what about her worst money habits?

573
00:24:46,760 --> 00:24:50,399
Speaker 7: Up until this year, since I finished school, I've normally

574
00:24:50,440 --> 00:24:52,280
Speaker 7: save up really hard throughout the year and then blow

575
00:24:52,320 --> 00:24:54,920
Speaker 7: it all on an overseas trip. So This year is

576
00:24:54,960 --> 00:24:56,760
Speaker 7: actually the first year that I don't have an overseas

577
00:24:56,760 --> 00:24:57,880
Speaker 7: trip planned.

578
00:24:57,520 --> 00:24:59,880
Speaker 5: And I won't be going overseas, which is not.

579
00:24:59,800 --> 00:25:02,240
Speaker 7: Too I guess because it's an experience, it's not wasting

580
00:25:02,240 --> 00:25:04,399
Speaker 7: money on material things. But I'm by the point now

581
00:25:04,440 --> 00:25:07,160
Speaker 7: where I want to start knuckling down and saving rather

582
00:25:07,200 --> 00:25:10,680
Speaker 7: than coming back from a trip to a very low

583
00:25:10,720 --> 00:25:14,679
Speaker 7: balance in my savings account. And I also spend a

584
00:25:14,680 --> 00:25:17,280
Speaker 7: lot of money on gifts. That's probably I waste a

585
00:25:17,320 --> 00:25:19,000
Speaker 7: lot of money on gifts. I kind of have a

586
00:25:19,240 --> 00:25:21,200
Speaker 7: money is no object or when it comes to presence,

587
00:25:21,320 --> 00:25:24,639
Speaker 7: which I mean it's good for other people's benefit, but

588
00:25:24,680 --> 00:25:27,720
Speaker 7: I mean, yeah, I kind of need to start rating

589
00:25:27,720 --> 00:25:29,920
Speaker 7: that in a bit because I'm not an impulse shoper

590
00:25:29,960 --> 00:25:30,399
Speaker 7: for myself.

591
00:25:30,400 --> 00:25:31,920
Speaker 5: But when it comes to presence, if I see something

592
00:25:31,920 --> 00:25:32,600
Speaker 5: that I think someone.

593
00:25:32,400 --> 00:25:34,800
Speaker 7: Will like, I'll just buy it and stop pilot for

594
00:25:34,840 --> 00:25:36,640
Speaker 7: when it is their birthday of Christmas.

595
00:25:36,680 --> 00:25:38,560
Speaker 5: So that's where quite a bit of my money goes.

596
00:25:38,840 --> 00:25:42,160
Speaker 3: So what's twenty one and methodical actually saving for what's

597
00:25:42,200 --> 00:25:43,320
Speaker 3: her big money goal?

598
00:25:43,840 --> 00:25:47,040
Speaker 7: So my biggest at the moment now that I've not

599
00:25:47,080 --> 00:25:50,560
Speaker 7: planning on doing many more overseas trips for the time

600
00:25:50,600 --> 00:25:52,880
Speaker 7: being is saving towards the house, so I mean, I'm

601
00:25:52,920 --> 00:25:54,560
Speaker 7: not that's not going to be anytime soon, and I'm

602
00:25:54,600 --> 00:25:58,440
Speaker 7: still studying. But ideally, if I could have my half

603
00:25:58,480 --> 00:26:01,520
Speaker 7: of the deposit per a house in about five years time.

604
00:26:01,400 --> 00:26:03,359
Speaker 5: That's the goal at this point. So we'll see how

605
00:26:03,359 --> 00:26:03,760
Speaker 5: that goes.

606
00:26:04,000 --> 00:26:06,479
Speaker 3: So how about today's money? Diaristorrate her own relationship with

607
00:26:06,520 --> 00:26:08,600
Speaker 3: money if we forced her to give herself a grade.

608
00:26:09,200 --> 00:26:10,520
Speaker 5: I was not looking forward to this question.

609
00:26:11,960 --> 00:26:16,600
Speaker 7: Maybe in a yeah, I'd say about an A because yeah,

610
00:26:16,640 --> 00:26:19,000
Speaker 7: I think now I'm really starting to get my act

611
00:26:19,000 --> 00:26:21,960
Speaker 7: together with money, but there's always been for improvement.

612
00:26:22,240 --> 00:26:25,280
Speaker 1: So I love her. I do too.

613
00:26:25,400 --> 00:26:28,399
Speaker 3: I think she's doing incredible stuff researching about investing in

614
00:26:28,480 --> 00:26:29,560
Speaker 3: chairs before eighteen.

615
00:26:29,880 --> 00:26:32,040
Speaker 1: She's so cool. That is amazing.

616
00:26:32,280 --> 00:26:34,240
Speaker 4: I think she's fantastic. I thought that she had a

617
00:26:34,280 --> 00:26:36,879
Speaker 4: really great little money story, and I really like that

618
00:26:36,920 --> 00:26:39,960
Speaker 4: she'd planned so much of it to be twenty one

619
00:26:40,080 --> 00:26:42,919
Speaker 4: and have a six thousand dollars share portfolio that is

620
00:26:42,960 --> 00:26:46,600
Speaker 4: going to compound over time. That is incredible. Also, having

621
00:26:46,600 --> 00:26:50,119
Speaker 4: a good savings buffer fantastic. And I loved that she

622
00:26:50,359 --> 00:26:52,440
Speaker 4: talked about after pay. So I think that we throw

623
00:26:52,520 --> 00:26:55,919
Speaker 4: that under the bus so often, But it sounds like

624
00:26:55,920 --> 00:26:58,880
Speaker 4: she's using it really constructively. So I think that if

625
00:26:58,880 --> 00:27:00,679
Speaker 4: she's putting a lot of thought in to it, like

626
00:27:00,720 --> 00:27:02,960
Speaker 4: and you're using it in a way that is constructive

627
00:27:03,040 --> 00:27:04,919
Speaker 4: for you and it's not putting you into debt and

628
00:27:04,920 --> 00:27:07,879
Speaker 4: you're not purchasing things that you wouldn't otherwise purchase, like,

629
00:27:08,000 --> 00:27:10,679
Speaker 4: go for it. But at the same time, it sounds

630
00:27:10,760 --> 00:27:13,080
Speaker 4: like maybe she needs to put a little bit of

631
00:27:13,119 --> 00:27:16,960
Speaker 4: a budget in place around gifts. So I'm a massive

632
00:27:16,960 --> 00:27:18,359
Speaker 4: spender on gifts as well.

633
00:27:18,400 --> 00:27:19,320
Speaker 1: That's why we're friends.

634
00:27:19,480 --> 00:27:22,080
Speaker 4: Yeah, So I feel like gifts are something that make

635
00:27:22,240 --> 00:27:25,359
Speaker 4: me feel really good about, you know, our friendship or

636
00:27:25,480 --> 00:27:27,440
Speaker 4: you know what I want to give other people. I

637
00:27:27,480 --> 00:27:30,600
Speaker 4: think it to me makes me feel really gratified. But

638
00:27:31,040 --> 00:27:33,440
Speaker 4: I think making sure it's in the budget is really important.

639
00:27:33,520 --> 00:27:35,840
Speaker 4: So as a part of my budget that I keep

640
00:27:36,280 --> 00:27:39,000
Speaker 4: and guys that template is actually in the She's on

641
00:27:39,040 --> 00:27:41,119
Speaker 4: the money group if you want to copy it. It

642
00:27:41,240 --> 00:27:44,800
Speaker 4: includes gifts. So I include gifts of Christmas and for birthdays,

643
00:27:44,840 --> 00:27:47,240
Speaker 4: and I try to be quite generous with that amount

644
00:27:47,400 --> 00:27:50,280
Speaker 4: so that I don't end up overspending and not meeting

645
00:27:50,320 --> 00:27:53,320
Speaker 4: my goals. In other areas. So potentially having a sit

646
00:27:53,359 --> 00:27:55,720
Speaker 4: down writing down the names of people that you purchase

647
00:27:55,800 --> 00:27:58,560
Speaker 4: gifts for each year and allocating a specific budget to

648
00:27:58,640 --> 00:28:01,399
Speaker 4: them is important. I really like that she said that

649
00:28:01,440 --> 00:28:04,800
Speaker 4: she plans for it sometimes and really stockpiles gifts for Christmas.

650
00:28:05,160 --> 00:28:08,160
Speaker 4: I think if that's the case, potentially don't purchase it yet.

651
00:28:08,520 --> 00:28:10,800
Speaker 4: Maybe if you're already stockpiling things, have a bit of

652
00:28:10,840 --> 00:28:13,160
Speaker 4: a shop around online and see if you can get

653
00:28:13,160 --> 00:28:16,200
Speaker 4: it cheaper, or there's an alternative that you could present

654
00:28:16,280 --> 00:28:17,440
Speaker 4: that maybe doesn't cost you.

655
00:28:17,400 --> 00:28:18,600
Speaker 1: As much, should go on sale.

656
00:28:18,920 --> 00:28:21,399
Speaker 4: Yeah, exactly. So maybe having a list like I do

657
00:28:21,480 --> 00:28:23,439
Speaker 4: in your phone of all of the present ideas that

658
00:28:23,520 --> 00:28:26,120
Speaker 4: you've got could help. But I loved her. I thought

659
00:28:26,119 --> 00:28:28,399
Speaker 4: that she was doing really well and she's absolutely on

660
00:28:28,440 --> 00:28:30,760
Speaker 4: the right track. And I'm so excited that we've finally

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Speaker 4: got someone on the podcast who rates themselves as an

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00:28:33,840 --> 00:28:36,480
Speaker 4: a because I think that that's really important. I think

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00:28:36,520 --> 00:28:38,200
Speaker 4: she's quite inspirational, very self.

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Speaker 1: Aware, and she sounds like a planner, which we know

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Speaker 1: you love.

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Speaker 4: I do love that. I'm sure her spreadsheets are really

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00:28:42,560 --> 00:28:43,320
Speaker 4: pretty as well.

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Speaker 3: That's all we have time for today. Unfortunately, just before

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Speaker 3: we head off. As always, let's quickly wrap the boring

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00:28:49,000 --> 00:28:51,480
Speaker 3: but important stuff. The advice shared on She's on the

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00:28:51,480 --> 00:28:54,840
Speaker 3: Money is general in nature and doesn't consider your individual circumstances.

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00:28:55,200 --> 00:28:57,880
Speaker 3: She's on the Money exists purely for educational purposes only

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00:28:57,920 --> 00:29:00,120
Speaker 3: and shouldn't be relied upon to make an investment or

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Speaker 3: a financial decision.

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Speaker 1: And of course we promise.

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Speaker 3: Victoria Divine is an authorized representative of Consulting Financial Advisors

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00:29:06,520 --> 00:29:10,480
Speaker 3: Proprietory Limited ABN sixty five double six three seven three

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00:29:10,560 --> 00:29:13,080
Speaker 3: double nine to five AFSL two three.

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Speaker 1: Oh three two three.

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00:29:14,200 --> 00:29:17,440
Speaker 4: I bet you know my AFSL and ABN more than

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00:29:17,440 --> 00:29:18,520
Speaker 4: you know your parents' mobile.

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00:29:18,640 --> 00:29:20,360
Speaker 3: Like, I'm pretty sure I don't know those numbers by way,

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Speaker 3: but I'm pretty sure I rememberized it.

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Speaker 4: Yeah, I'm impressed to I'm gonna try going offscript next time,

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Speaker 4: all right, I'll wait for it, all right. So Facebook group, guys,

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00:29:28,240 --> 00:29:31,800
Speaker 4: we have more than fifteen thousand women sharing money tips

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00:29:31,800 --> 00:29:34,720
Speaker 4: and tricks every single day free of judgment in this group.

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00:29:35,080 --> 00:29:37,680
Speaker 4: So She's on the Money on Facebook and join us.

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00:29:37,880 --> 00:29:40,320
Speaker 4: If Facebook's not your thing, find us on Instagram.

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Speaker 1: We're it.

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00:29:40,760 --> 00:29:42,120
Speaker 4: She's on the Money AUS.

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Speaker 3: This podcast is a production of shameless media on behalf

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00:29:45,120 --> 00:29:47,600
Speaker 3: of She's on the Money. See you next week, guys.

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Speaker 4: Bye,