1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order KERNI Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:53,519 Speaker 3: She's on the Money. She's on the Money. 12 00:00:58,360 --> 00:01:01,680 Speaker 2: Hello and welcome. She's on the Money the podcast and 13 00:01:01,680 --> 00:01:05,840 Speaker 2: millennials who want financial freedom Today, my friends, it is Friday, 14 00:01:05,880 --> 00:01:10,720 Speaker 2: which means it is Taylor Swift Day tomorrow. Yeay. Also, 15 00:01:10,760 --> 00:01:12,959 Speaker 2: we're mean to be getting our team together to celebrate you. 16 00:01:13,360 --> 00:01:16,319 Speaker 2: How incredible She's on the Money community and Taylor Swift, 17 00:01:16,840 --> 00:01:19,040 Speaker 2: which we are very very excited about. I don't know 18 00:01:19,080 --> 00:01:20,880 Speaker 2: if you know this, Beck, but like Jess and I, 19 00:01:20,959 --> 00:01:24,000 Speaker 2: what are we doing? We'll go to Taylor Swift? Really 20 00:01:24,280 --> 00:01:25,720 Speaker 2: did you? Did you know? 21 00:01:26,280 --> 00:01:28,200 Speaker 4: I had a feeling and it's just a slight suspicion. 22 00:01:28,480 --> 00:01:30,440 Speaker 2: I love it. I love It's all we've been talking about, 23 00:01:30,480 --> 00:01:33,240 Speaker 2: and now it's literally less than twenty four hours away. 24 00:01:33,640 --> 00:01:35,839 Speaker 2: But before we get there, we actually have some work 25 00:01:35,880 --> 00:01:37,800 Speaker 2: to do. We want to get through an entire Friday 26 00:01:37,840 --> 00:01:41,280 Speaker 2: episode of our podcast. Today, Miss Jess Gricci, she's going 27 00:01:41,360 --> 00:01:43,520 Speaker 2: to go through our favorite money wins. I wonder if 28 00:01:43,520 --> 00:01:46,920 Speaker 2: she's pulled out any Taylor Swift inspired ones. Beck, You're 29 00:01:46,920 --> 00:01:49,800 Speaker 2: going to be taking us through your broke tips. We're 30 00:01:49,800 --> 00:01:51,960 Speaker 2: going to be helping to answer a juicy money dilemma, 31 00:01:52,000 --> 00:01:54,640 Speaker 2: which of this week is all about pet insurance. I 32 00:01:54,640 --> 00:01:56,320 Speaker 2: feel like we haven't talked about that topic in a 33 00:01:56,400 --> 00:01:59,120 Speaker 2: very long time, and we're going to be unpacking something 34 00:01:59,120 --> 00:02:02,400 Speaker 2: that you slid into ours about always spicy, but this 35 00:02:02,440 --> 00:02:04,800 Speaker 2: week you ask if you should move in with your 36 00:02:04,880 --> 00:02:08,320 Speaker 2: in laws to save for a house. I feel like 37 00:02:08,320 --> 00:02:10,680 Speaker 2: there could be some pretty good pros and cons from 38 00:02:10,720 --> 00:02:13,320 Speaker 2: both of those. But before we get there, let's start 39 00:02:13,360 --> 00:02:15,200 Speaker 2: with you, Beck, because I know Jess has had a 40 00:02:15,240 --> 00:02:18,160 Speaker 2: good week and it's mainly due to anticipation. What has 41 00:02:18,200 --> 00:02:18,840 Speaker 2: your week. 42 00:02:18,680 --> 00:02:22,120 Speaker 4: Been like, my love, My week's been really nice, obviously, 43 00:02:22,200 --> 00:02:26,160 Speaker 4: Valentine's Day. Love is in the air and. 44 00:02:26,240 --> 00:02:26,639 Speaker 5: We know it. 45 00:02:26,880 --> 00:02:29,560 Speaker 2: Last week you did a little soft launch and said 46 00:02:29,639 --> 00:02:30,720 Speaker 2: I do have a date. 47 00:02:30,919 --> 00:02:33,960 Speaker 4: I do have date. It was really really really nice 48 00:02:34,040 --> 00:02:40,080 Speaker 4: and just like it was really cute and I love love. 49 00:02:40,280 --> 00:02:42,800 Speaker 4: So what did you do? So this is a little 50 00:02:42,840 --> 00:02:45,320 Speaker 4: bit spicy, but we do actually work together, and so 51 00:02:45,440 --> 00:02:45,880 Speaker 4: we work. 52 00:02:46,600 --> 00:02:49,000 Speaker 2: Our bosses are listening to this episode. 53 00:02:49,600 --> 00:02:52,920 Speaker 4: If you are my boss or someone that works with me, 54 00:02:53,000 --> 00:02:54,320 Speaker 4: please stop listening right now. 55 00:02:55,240 --> 00:02:57,920 Speaker 2: You didn't hear this, bye, Yeah, exactly. 56 00:02:57,520 --> 00:02:59,480 Speaker 4: No, it was really good. So we worked obviously in 57 00:02:59,520 --> 00:03:01,239 Speaker 4: the daytime together, which was really cute. 58 00:03:01,720 --> 00:03:04,080 Speaker 2: She's on the money team. Sadly, no, So like you 59 00:03:04,160 --> 00:03:07,359 Speaker 2: guys don't need to speculate about that, true, because I 60 00:03:07,400 --> 00:03:09,440 Speaker 2: don't know. Maybe they'd be like, hey, Jess, I thought 61 00:03:09,440 --> 00:03:13,760 Speaker 2: you had a boyfriend. Well, well you know. 62 00:03:13,680 --> 00:03:16,280 Speaker 4: When Valentine's Day comes around, people where different. But you know, 63 00:03:16,760 --> 00:03:18,640 Speaker 4: you love you just want to love love, you just 64 00:03:18,639 --> 00:03:20,880 Speaker 4: want to love them, exactly, exactly, exactly, No, it was 65 00:03:20,919 --> 00:03:22,839 Speaker 4: it was really cool, and so yes, we did work 66 00:03:23,120 --> 00:03:25,280 Speaker 4: all day together, and not a lot of people know, 67 00:03:25,400 --> 00:03:27,040 Speaker 4: so we had to pretend that we were just like 68 00:03:27,360 --> 00:03:27,920 Speaker 4: what's going on? 69 00:03:28,000 --> 00:03:31,880 Speaker 2: But really, but really you're like deeply enough, yes. 70 00:03:31,720 --> 00:03:34,560 Speaker 4: Exactly exactly. And then after that we just went to 71 00:03:34,600 --> 00:03:36,560 Speaker 4: a gallery, went walked around the city and had some 72 00:03:36,640 --> 00:03:39,320 Speaker 4: nice food and did all the nice like romantic. 73 00:03:38,960 --> 00:03:41,480 Speaker 2: Things you made, fortune cookies I did. 74 00:03:41,520 --> 00:03:42,760 Speaker 4: You might hear about that a little bit later. 75 00:03:42,920 --> 00:03:44,000 Speaker 2: My tip. 76 00:03:44,200 --> 00:03:46,080 Speaker 4: Sorry at all. 77 00:03:46,800 --> 00:03:47,120 Speaker 2: I love. 78 00:03:47,200 --> 00:03:47,480 Speaker 4: That's me. 79 00:03:47,760 --> 00:03:50,560 Speaker 2: That's the best. That's me, miss Jess. How's your week being? 80 00:03:50,680 --> 00:03:53,800 Speaker 6: It's been good, as you said, just the prep work, 81 00:03:53,920 --> 00:03:58,800 Speaker 6: finishing my outfit, making more braceless, really very excited. 82 00:04:00,000 --> 00:04:01,360 Speaker 4: How many bracelets do you have now? 83 00:04:02,480 --> 00:04:02,800 Speaker 2: Well? 84 00:04:03,040 --> 00:04:07,720 Speaker 6: I think I have about thirty maybe, but some of 85 00:04:07,760 --> 00:04:12,800 Speaker 6: those have been dibbed by Gabby and then I love that. 86 00:04:12,840 --> 00:04:16,039 Speaker 2: Gabby's just like, heyges, can you please do the hard yards? 87 00:04:16,200 --> 00:04:18,599 Speaker 6: Yeah? And I do thy maker, do that absolutely, I 88 00:04:18,640 --> 00:04:21,320 Speaker 6: will so. Yeah, not heats because you have to well 89 00:04:21,440 --> 00:04:23,040 Speaker 6: originally they said you had to wear them in it, 90 00:04:23,120 --> 00:04:25,520 Speaker 6: and they change their minds. But you trade them too, 91 00:04:25,560 --> 00:04:28,080 Speaker 6: so I thought, rather than collecting and collecting and halting, 92 00:04:28,160 --> 00:04:30,039 Speaker 6: I would rather just keep trading because I feel like 93 00:04:30,040 --> 00:04:30,720 Speaker 6: that's really fun. 94 00:04:30,920 --> 00:04:33,400 Speaker 2: I have questions. So I've seen on TikTok so many 95 00:04:33,440 --> 00:04:36,520 Speaker 2: women making their bracelets right, which sligh like I wish 96 00:04:36,520 --> 00:04:37,960 Speaker 2: I had time for it, because I feel like that 97 00:04:38,000 --> 00:04:40,360 Speaker 2: would be a fun activity. We also seeing so many 98 00:04:40,400 --> 00:04:43,159 Speaker 2: girl date nights where they're drinking a little like little 99 00:04:43,200 --> 00:04:45,920 Speaker 2: wine and making bracelets together, and I was like, why 100 00:04:46,000 --> 00:04:48,640 Speaker 2: didn't we do that, Jessica. That's very US coded, and 101 00:04:48,680 --> 00:04:51,719 Speaker 2: we don't do it. But I keep seeing people with 102 00:04:51,839 --> 00:04:53,840 Speaker 2: like hundreds of bracelets, Like what are you doing with them? 103 00:04:53,839 --> 00:04:56,080 Speaker 2: Are you like gifting them away? Are you trading them? 104 00:04:56,200 --> 00:04:58,200 Speaker 2: Once you're done at the concert? Do you then have, like, 105 00:04:58,480 --> 00:05:00,320 Speaker 2: I don't know, one hundred and fifty bracelet so you 106 00:05:00,320 --> 00:05:01,760 Speaker 2: bring home, Like, jess what's the point. 107 00:05:02,080 --> 00:05:04,719 Speaker 6: Yeah, Well, some people have been making these little dio 108 00:05:04,839 --> 00:05:07,320 Speaker 6: eyes with this shadow frame box to get a kmart 109 00:05:07,320 --> 00:05:08,880 Speaker 6: and they put like their ticket in the box and 110 00:05:08,920 --> 00:05:11,520 Speaker 6: they're going to store them for like the memes or 111 00:05:11,560 --> 00:05:13,640 Speaker 6: people might wear them. But I think, like, I wouldn't 112 00:05:13,640 --> 00:05:15,360 Speaker 6: need hundreds. I wouldn't know what to do with it, 113 00:05:15,480 --> 00:05:17,760 Speaker 6: which is why I thought I'll make less and then 114 00:05:17,920 --> 00:05:20,200 Speaker 6: just trade, and I assume that some of them you'll 115 00:05:20,240 --> 00:05:22,880 Speaker 6: give away, and you know, between gabs and you whatever. 116 00:05:23,000 --> 00:05:25,440 Speaker 2: I'm excited. I'm so excited. I don't even have any 117 00:05:25,480 --> 00:05:27,720 Speaker 2: bracelets to trade. I think I'll just be standing next 118 00:05:27,720 --> 00:05:29,960 Speaker 2: to Jess while she's trading, clapping like a little like 119 00:05:30,360 --> 00:05:33,000 Speaker 2: monkey toy, being like, yeah, this is so fun. 120 00:05:33,120 --> 00:05:34,479 Speaker 6: That's all right, I'll bring you some too. 121 00:05:34,960 --> 00:05:36,080 Speaker 4: It's cute tradition. 122 00:05:36,320 --> 00:05:37,239 Speaker 6: It's very fun. 123 00:05:37,279 --> 00:05:38,239 Speaker 4: How does it even start? 124 00:05:38,320 --> 00:05:39,839 Speaker 6: Because there's a line in one of the songs that 125 00:05:39,880 --> 00:05:41,640 Speaker 6: says make the friendship bracelets, and so. 126 00:05:41,880 --> 00:05:42,880 Speaker 2: People started trading. 127 00:05:43,120 --> 00:05:44,279 Speaker 4: That is so wholesome. 128 00:05:44,440 --> 00:05:47,159 Speaker 2: It is all right, love love, I love Taylor Swift. 129 00:05:47,360 --> 00:05:49,520 Speaker 2: I feel like all of these things go together, just 130 00:05:49,560 --> 00:05:51,200 Speaker 2: to go weak love story. 131 00:05:51,360 --> 00:05:52,520 Speaker 4: Yeah, and how's your week being? 132 00:05:52,800 --> 00:05:54,760 Speaker 2: My week has been good. I have not been nearly 133 00:05:54,800 --> 00:05:58,320 Speaker 2: as active as you guys. My husband decided that maybe 134 00:05:58,360 --> 00:06:00,200 Speaker 2: I was a little bit too pregnant to go out 135 00:06:00,200 --> 00:06:03,599 Speaker 2: for dinner on Valentine's Day, and I was like, oh, okay, yeah, 136 00:06:03,640 --> 00:06:06,120 Speaker 2: that's fair. But I had a really big day at 137 00:06:06,160 --> 00:06:07,920 Speaker 2: work and then I came home and he made a 138 00:06:07,960 --> 00:06:11,720 Speaker 2: little picnic. Yeah sweet, and we had it on our 139 00:06:11,720 --> 00:06:14,599 Speaker 2: back garden and that was very wholesome. But yes, he 140 00:06:14,720 --> 00:06:16,920 Speaker 2: is correct, I was too pregnant to go out. If 141 00:06:16,920 --> 00:06:18,680 Speaker 2: he had mentioned it, I think I would have had 142 00:06:18,680 --> 00:06:19,280 Speaker 2: a breakdown. 143 00:06:19,600 --> 00:06:20,240 Speaker 4: That's so fair. 144 00:06:20,240 --> 00:06:21,680 Speaker 2: I would have been like, absolutely not. 145 00:06:21,960 --> 00:06:23,800 Speaker 6: We love a man that knows we do. 146 00:06:24,240 --> 00:06:26,520 Speaker 2: So let's move on because it's not all about me. 147 00:06:26,839 --> 00:06:29,560 Speaker 2: I want to know Jess more about the community. What 148 00:06:29,640 --> 00:06:32,200 Speaker 2: community money wins he bringing to the table today, and 149 00:06:32,360 --> 00:06:34,800 Speaker 2: are they Taylor Swift themed? You know what? 150 00:06:35,040 --> 00:06:37,040 Speaker 6: There wasn't a lot about Taylor Swift this week. I 151 00:06:37,080 --> 00:06:39,480 Speaker 6: feel like everyone is just prepping in anticipation. 152 00:06:39,640 --> 00:06:42,200 Speaker 4: Don't imagine that you would be able to find many 153 00:06:42,240 --> 00:06:44,599 Speaker 4: money saving hacks when it comes to Tail Swift because 154 00:06:44,480 --> 00:06:46,840 Speaker 4: the ticks are expensive. You can't really get tickets, Like. 155 00:06:46,800 --> 00:06:47,960 Speaker 6: They didn't know the drop this week? 156 00:06:48,040 --> 00:06:50,760 Speaker 4: You believed that, Oh my goodness, what ticket drop? 157 00:06:50,960 --> 00:06:51,159 Speaker 5: Yeah? 158 00:06:51,200 --> 00:06:51,880 Speaker 2: Like an extra one? 159 00:06:51,880 --> 00:06:53,719 Speaker 6: Like I don't know where the tickets came from because 160 00:06:53,760 --> 00:06:54,840 Speaker 6: they've been sold out for. 161 00:06:55,200 --> 00:06:58,640 Speaker 2: Sure, But I don't know where they came from either. 162 00:06:58,720 --> 00:07:01,000 Speaker 2: I saw that on socials and so excuse me what? 163 00:07:01,360 --> 00:07:02,840 Speaker 2: And they did like a bit of a money win 164 00:07:02,880 --> 00:07:05,000 Speaker 2: though they did start at sixty five dollars fifty, which 165 00:07:05,040 --> 00:07:06,360 Speaker 2: I thought was really accessible. 166 00:07:06,480 --> 00:07:07,240 Speaker 6: That is a bargain. 167 00:07:07,320 --> 00:07:09,680 Speaker 2: Wow, So I feel like so many people obviously they 168 00:07:09,680 --> 00:07:14,440 Speaker 2: would have been absolutely snapped up in point two seconds. Sure, yeah, 169 00:07:15,080 --> 00:07:17,440 Speaker 2: what would you say, Jess? We invested in our tickets. 170 00:07:18,160 --> 00:07:19,120 Speaker 2: It's an investment. 171 00:07:19,280 --> 00:07:21,440 Speaker 6: It was an investment in our joy and it's money 172 00:07:21,480 --> 00:07:21,840 Speaker 6: well spent. 173 00:07:21,960 --> 00:07:23,720 Speaker 2: Yeah, it's aligned to our values. 174 00:07:24,000 --> 00:07:24,520 Speaker 4: Yes. 175 00:07:24,600 --> 00:07:27,160 Speaker 2: And by aligned to our values, I mean Jess's ticket 176 00:07:27,200 --> 00:07:29,440 Speaker 2: was free because it was aligned to my values to 177 00:07:29,480 --> 00:07:30,560 Speaker 2: make sure she came with me. 178 00:07:30,880 --> 00:07:32,440 Speaker 6: I love that money. 179 00:07:32,600 --> 00:07:32,800 Speaker 1: Whin. 180 00:07:34,240 --> 00:07:34,920 Speaker 3: That's money whin. 181 00:07:35,080 --> 00:07:35,400 Speaker 5: All right. 182 00:07:35,440 --> 00:07:37,679 Speaker 6: My first money in this week is actually Taylor swift 183 00:07:37,720 --> 00:07:41,520 Speaker 6: themed from Alyssa, who said I accidentally left my friendship 184 00:07:41,520 --> 00:07:44,160 Speaker 6: bracelet making to the last minute the week the concert, 185 00:07:44,320 --> 00:07:47,080 Speaker 6: and now it is so hard to find good beads 186 00:07:47,120 --> 00:07:50,160 Speaker 6: and string. Not once, but twice this week. I've been 187 00:07:50,240 --> 00:07:52,480 Speaker 6: lucky enough to score a heap of free beads and 188 00:07:52,560 --> 00:07:54,920 Speaker 6: string from other swifties who have finished making this. 189 00:07:55,240 --> 00:07:56,440 Speaker 2: Oh that's a good money win. 190 00:07:56,640 --> 00:07:58,880 Speaker 6: It also saved me money because I spent the weekend 191 00:07:58,920 --> 00:08:01,040 Speaker 6: making bracelets instead of going out and spending money that 192 00:08:01,040 --> 00:08:01,960 Speaker 6: they shouldn't be spending. 193 00:08:02,560 --> 00:08:03,800 Speaker 4: That love that's girl math. 194 00:08:03,880 --> 00:08:06,240 Speaker 6: Swifties are so good, like they are just the kind 195 00:08:06,280 --> 00:08:08,000 Speaker 6: of people to be like, I'm done, you have it, 196 00:08:08,040 --> 00:08:11,000 Speaker 6: you take it. Yeah, we love to see it. Next, 197 00:08:11,040 --> 00:08:13,440 Speaker 6: I've got a money win from Tory, who said, pro 198 00:08:13,760 --> 00:08:16,360 Speaker 6: I picked up an extra Sunday shift at work. Con 199 00:08:16,680 --> 00:08:18,560 Speaker 6: I have to work said Sunday shift, and I have 200 00:08:18,640 --> 00:08:20,800 Speaker 6: mad regrets, but I see you with the pro a 201 00:08:20,840 --> 00:08:24,000 Speaker 6: Sunday shift that double pay or pays still. 202 00:08:23,760 --> 00:08:24,720 Speaker 2: Get pay in a half. 203 00:08:25,600 --> 00:08:28,880 Speaker 6: Maybe in hospital, certain industries maybe I'm not sure, but it. 204 00:08:28,880 --> 00:08:33,000 Speaker 2: Was the entire reason I would happily work very hungover 205 00:08:33,120 --> 00:08:35,960 Speaker 2: when I was much younger, because I'd have my Sunday 206 00:08:36,080 --> 00:08:39,160 Speaker 2: eleven till five shift Steve Madden the shoe store on 207 00:08:39,240 --> 00:08:43,080 Speaker 2: Chapel Street, and I just remember feeling so violently ill 208 00:08:43,320 --> 00:08:46,320 Speaker 2: the entire time because I was a very very well 209 00:08:46,360 --> 00:08:49,240 Speaker 2: balanced adult and definitely year how to manage my time. 210 00:08:49,679 --> 00:08:51,480 Speaker 2: But every second that I was like I wish I 211 00:08:51,480 --> 00:08:53,040 Speaker 2: wasn't here, I would then remember. 212 00:08:53,120 --> 00:08:55,920 Speaker 4: Double pay pay baby. That doesn't sound like an open 213 00:08:55,920 --> 00:08:57,480 Speaker 4: all closed shift as well, which. 214 00:08:57,320 --> 00:08:59,720 Speaker 2: Is no, no, no, it was. It was both. It was 215 00:08:59,760 --> 00:09:03,240 Speaker 2: like limited training hours. Otherwise it was usually like ten 216 00:09:03,280 --> 00:09:05,640 Speaker 2: till six, So ten till six on a Saturday, and 217 00:09:05,640 --> 00:09:07,240 Speaker 2: then I do eleven till five on a Sunday, and 218 00:09:07,240 --> 00:09:09,720 Speaker 2: I'd always make more money on the Sunday doing less time. 219 00:09:10,040 --> 00:09:10,600 Speaker 2: He love that. 220 00:09:11,080 --> 00:09:11,520 Speaker 1: Love that. 221 00:09:11,840 --> 00:09:13,840 Speaker 6: Next, I've got a money in from Rachel who said, 222 00:09:13,880 --> 00:09:17,400 Speaker 6: I paid off and canceled the dreaded evil after pay today. 223 00:09:17,600 --> 00:09:22,400 Speaker 2: Get it? How liberating though, just knowing that you not 224 00:09:22,480 --> 00:09:24,880 Speaker 2: only don't have that debt anymore, but you're just like, 225 00:09:24,960 --> 00:09:25,719 Speaker 2: I don't need you. 226 00:09:26,160 --> 00:09:28,600 Speaker 6: One hundred dre it. Then I've got a money in 227 00:09:28,600 --> 00:09:30,960 Speaker 6: here from Nicole, who said money in. My son got 228 00:09:30,960 --> 00:09:34,400 Speaker 6: his license on Wednesday. WI who to petrol and insurance 229 00:09:34,400 --> 00:09:36,200 Speaker 6: savings because he's going to pay for it himself now 230 00:09:36,200 --> 00:09:36,880 Speaker 6: that he's eighteen. 231 00:09:37,200 --> 00:09:39,640 Speaker 2: Great, he's not going to see what's coming though he 232 00:09:39,679 --> 00:09:41,680 Speaker 2: doesn't know how expensive that is. 233 00:09:42,120 --> 00:09:43,280 Speaker 6: For the shock of your whole life. 234 00:09:43,400 --> 00:09:49,080 Speaker 2: Fine free and we're like, from what exactly financial way 235 00:09:49,160 --> 00:09:50,360 Speaker 2: heavier than being. 236 00:09:50,200 --> 00:09:51,840 Speaker 4: Able to drive exactly. 237 00:09:51,920 --> 00:09:54,360 Speaker 6: And then lastly, I've got money in this week from Rachel, 238 00:09:54,400 --> 00:09:57,520 Speaker 6: who said money win. We celebrated my son's third birthday 239 00:09:57,559 --> 00:09:59,640 Speaker 6: and normally I would order a cake that would cost 240 00:09:59,640 --> 00:10:01,640 Speaker 6: between one hundred and twenty one hundred and fifty dollars. 241 00:10:01,880 --> 00:10:04,040 Speaker 6: I decided to make it and it cost me thirty 242 00:10:04,040 --> 00:10:07,480 Speaker 6: five dollars instead, including the decorations. And you know we 243 00:10:07,559 --> 00:10:10,800 Speaker 6: have a photo. Oh that's cue and that money like 244 00:10:10,840 --> 00:10:12,800 Speaker 6: that it looks really good. Go have a look at 245 00:10:12,800 --> 00:10:15,520 Speaker 6: the thread for Rachel's cake because it looks fantastic. 246 00:10:15,520 --> 00:10:18,480 Speaker 4: How do people just do that? That's incredible, delicious? I 247 00:10:18,520 --> 00:10:19,480 Speaker 4: love that amazing. 248 00:10:19,600 --> 00:10:20,600 Speaker 2: I reckon, you'd be good at that. 249 00:10:20,600 --> 00:10:20,800 Speaker 1: Beck. 250 00:10:20,840 --> 00:10:23,800 Speaker 2: I feel like you're good at everything. You're always good. Ah, 251 00:10:23,840 --> 00:10:25,559 Speaker 2: You're like, oh, I made Fortune cookies, and I'm like, 252 00:10:25,600 --> 00:10:26,560 Speaker 2: of course you did. I didn't. 253 00:10:26,760 --> 00:10:26,800 Speaker 1: Like. 254 00:10:26,920 --> 00:10:29,000 Speaker 2: Jess and I just looked at each other and we're like, how. 255 00:10:28,960 --> 00:10:31,440 Speaker 4: Though, Yeah, it takes a lot of patience. 256 00:10:31,640 --> 00:10:33,880 Speaker 2: Yeah, but like you're resourceful, you could make a cake 257 00:10:34,000 --> 00:10:36,880 Speaker 2: like that for sure? Is that it's Jess Green. 258 00:10:37,000 --> 00:10:39,360 Speaker 6: That's I'm excited to hear more about the Fortune cookies. 259 00:10:39,720 --> 00:10:40,000 Speaker 4: True? 260 00:10:40,160 --> 00:10:42,360 Speaker 2: So I brought that up too early? Did I spoil 261 00:10:42,559 --> 00:10:43,360 Speaker 2: the broke tips? 262 00:10:43,440 --> 00:10:45,600 Speaker 4: Don't be sorry at all. Actually I'm glad that you did. 263 00:10:45,720 --> 00:10:47,720 Speaker 2: Let's say that to the end of the broake tips though, 264 00:10:48,040 --> 00:10:50,000 Speaker 2: good idea, give us two and then we want to 265 00:10:50,000 --> 00:10:51,280 Speaker 2: hear about your fortune cookies. 266 00:10:51,400 --> 00:10:54,080 Speaker 4: Perfect. So, as always, there are two from the community 267 00:10:54,080 --> 00:10:56,400 Speaker 4: and one from myself. So the first broke Tip comes 268 00:10:56,440 --> 00:10:58,400 Speaker 4: from Kim, who says, and it's actually good on few 269 00:10:58,480 --> 00:11:00,960 Speaker 4: v because I know that you say that sometimes literally 270 00:11:00,960 --> 00:11:03,679 Speaker 4: go home because an avocado is going off that's me. 271 00:11:03,920 --> 00:11:07,960 Speaker 4: Kim says, you can't. That's so fair. But if you 272 00:11:07,960 --> 00:11:10,760 Speaker 4: try this, maybe you could spend the night at the 273 00:11:10,760 --> 00:11:12,520 Speaker 4: pub or something. I can't imagine you're doing that, but. 274 00:11:13,360 --> 00:11:16,439 Speaker 2: I'm literally like so pregnant at the moment. It's not 275 00:11:16,480 --> 00:11:19,440 Speaker 2: funny like her, guys hard to watch me not just 276 00:11:19,440 --> 00:11:22,360 Speaker 2: get on the chair, but heave myself onto this chair 277 00:11:22,480 --> 00:11:23,600 Speaker 2: to record this episode. 278 00:11:23,760 --> 00:11:27,320 Speaker 4: Scary. Actually, I was like, maybe we have to deliver today. 279 00:11:27,440 --> 00:11:27,840 Speaker 4: I don't know. 280 00:11:28,840 --> 00:11:31,760 Speaker 2: I really hope not, I swear. Jess is literally like 281 00:11:31,840 --> 00:11:34,400 Speaker 2: every second like are you going to labor? And I'm 282 00:11:34,400 --> 00:11:36,680 Speaker 2: like no, and then she's like, what about Taylor Swift? 283 00:11:36,720 --> 00:11:38,320 Speaker 2: Are you gonna go into labor? And I'm like kind 284 00:11:38,320 --> 00:11:40,400 Speaker 2: of hope. So so, just in my head, I have 285 00:11:40,480 --> 00:11:43,280 Speaker 2: this idea that it would be hilarious to turn up 286 00:11:43,280 --> 00:11:45,600 Speaker 2: at the birthing sweets at the hospital that I'm giving 287 00:11:45,640 --> 00:11:48,319 Speaker 2: birth at in my Taylor Swift get up. I'll be 288 00:11:48,400 --> 00:11:51,800 Speaker 2: in like a dazzled white cowboy boots like her, fancy 289 00:11:52,160 --> 00:11:54,760 Speaker 2: like dress. I'll have my cowboy hat. There's probably gonna 290 00:11:54,760 --> 00:11:56,360 Speaker 2: be a lot of glitter on my face, and I'll 291 00:11:56,360 --> 00:11:58,360 Speaker 2: be like are you ready? Sorry? 292 00:11:58,440 --> 00:12:00,240 Speaker 4: Yeah, that would be very very good. 293 00:12:00,280 --> 00:12:02,320 Speaker 2: Let's go girls. I'm ready. I'm kind of. 294 00:12:02,320 --> 00:12:04,080 Speaker 4: Ready for you to go into labor before the end 295 00:12:04,120 --> 00:12:07,040 Speaker 4: of this episode. But we'll see. Sorry, So Kim says, 296 00:12:07,080 --> 00:12:09,280 Speaker 4: sick of avocado is going yuck once you cut them 297 00:12:09,320 --> 00:12:12,520 Speaker 4: and only use half. Yes, Kim, we are put them 298 00:12:12,559 --> 00:12:14,199 Speaker 4: in a bottle of water. It stops the air getting 299 00:12:14,200 --> 00:12:17,199 Speaker 4: in and keeps them from going brown. So cut them 300 00:12:17,200 --> 00:12:17,520 Speaker 4: in half. 301 00:12:17,760 --> 00:12:18,120 Speaker 6: Smart. 302 00:12:18,160 --> 00:12:20,840 Speaker 2: I never thought of that. Yeah, trying to like glad 303 00:12:20,920 --> 00:12:23,640 Speaker 2: wrap them shut and make sure it's like completely sealed. 304 00:12:24,040 --> 00:12:25,480 Speaker 2: Telling me you. 305 00:12:25,559 --> 00:12:27,439 Speaker 4: Could just put it in water, could just put it 306 00:12:27,440 --> 00:12:29,520 Speaker 4: in water exactly, So yeah, there you go, just truck 307 00:12:29,559 --> 00:12:30,200 Speaker 4: them in some water. 308 00:12:30,520 --> 00:12:33,679 Speaker 2: I feel like that's like so smart. Yet I am 309 00:12:33,720 --> 00:12:35,559 Speaker 2: not smart, So I never worked that out. 310 00:12:35,840 --> 00:12:40,000 Speaker 6: Ideal breake tip so easy to execute, but so good, 311 00:12:40,120 --> 00:12:40,520 Speaker 6: and like. 312 00:12:40,440 --> 00:12:42,880 Speaker 2: I don't want to get canceled literally on my own podcast. 313 00:12:42,880 --> 00:12:45,280 Speaker 2: But I throw away so many half avocados because they 314 00:12:45,280 --> 00:12:47,880 Speaker 2: go a little bit dang, And I I know, I know, 315 00:12:47,960 --> 00:12:48,520 Speaker 2: I'm sorry. 316 00:12:48,520 --> 00:12:49,680 Speaker 4: It's okay, I'm sorry. 317 00:12:49,960 --> 00:12:51,679 Speaker 2: What's your next broke tip before you get in trouble? 318 00:12:51,720 --> 00:12:54,200 Speaker 4: It's compost, so isn't it at the end of the day? Okay, 319 00:12:54,240 --> 00:12:56,079 Speaker 4: So This next one comes from Hannah. This one's a 320 00:12:56,120 --> 00:12:57,360 Speaker 4: little bit dangerous, actually, but. 321 00:12:57,360 --> 00:12:59,640 Speaker 2: I'm gonna be trying this stranger danger. 322 00:12:59,520 --> 00:13:02,360 Speaker 4: Dangerous because I just I don't know if I'll ever 323 00:13:02,400 --> 00:13:04,960 Speaker 4: be able to stop myself from doing this. So Hanna 324 00:13:05,000 --> 00:13:07,559 Speaker 4: says she discovered this hacket UNI after a drunk hend out. 325 00:13:07,600 --> 00:13:10,240 Speaker 4: If you go into Dominoes after nine PM or close 326 00:13:10,280 --> 00:13:13,160 Speaker 4: to the closing time and ask if they have any leftovers, 327 00:13:13,400 --> 00:13:15,880 Speaker 4: usually like garlic bread or orders people didn't pick up, 328 00:13:16,000 --> 00:13:17,760 Speaker 4: they will usually give it to you for free. So 329 00:13:17,760 --> 00:13:20,120 Speaker 4: she's done this about five times and it's worked every time. 330 00:13:20,240 --> 00:13:23,080 Speaker 4: I'm like, what, who would have thought? 331 00:13:23,600 --> 00:13:26,160 Speaker 2: I didn't think she did. What a genius. 332 00:13:26,240 --> 00:13:28,120 Speaker 4: That is really clever and that, Like, you know, why 333 00:13:28,160 --> 00:13:29,840 Speaker 4: wouldn't you? You know what I mean? Like if I 334 00:13:29,960 --> 00:13:31,520 Speaker 4: was working in Dominoes, I was going to chuck some 335 00:13:31,559 --> 00:13:32,440 Speaker 4: garlic bread out and someone. 336 00:13:32,520 --> 00:13:34,319 Speaker 2: If I was working in Dominoes, I'd be trying to 337 00:13:34,520 --> 00:13:35,600 Speaker 2: I'd be taking take that home. 338 00:13:36,559 --> 00:13:38,880 Speaker 4: Oh yeah, you could do that. Actually I didn't think 339 00:13:38,880 --> 00:13:39,120 Speaker 4: of it. 340 00:13:39,120 --> 00:13:42,000 Speaker 2: Maybe they're over eating garlic bread every night, you'd be 341 00:13:42,080 --> 00:13:44,960 Speaker 2: sick of it. Yeah, they're sharing. I like that. Dominoes 342 00:13:45,040 --> 00:13:46,760 Speaker 2: is probably not going to be that happy with us 343 00:13:46,800 --> 00:13:48,079 Speaker 2: sharing that. But you get what you get and you 344 00:13:48,080 --> 00:13:48,840 Speaker 2: don't get upset. 345 00:13:49,480 --> 00:13:54,520 Speaker 4: But fortune cookies, oh yes, okay, the money we well, 346 00:13:54,840 --> 00:13:56,680 Speaker 4: did you like open a fortune cookie and it said 347 00:13:56,720 --> 00:13:58,240 Speaker 4: you'd be real rich one day and then you won 348 00:13:58,320 --> 00:14:00,400 Speaker 4: the lotto? Oh look you know how I have the 349 00:14:00,480 --> 00:14:03,000 Speaker 4: lottery numbers at the back. Yeah yeah, yeah, No, I 350 00:14:03,000 --> 00:14:06,640 Speaker 4: didn't win, but it was fun. It was fun, and 351 00:14:06,679 --> 00:14:08,680 Speaker 4: I wasted a lot of money. But I think that 352 00:14:08,760 --> 00:14:11,040 Speaker 4: I will win one day just based off those fortune 353 00:14:11,040 --> 00:14:13,440 Speaker 4: cookie numbers. We'll say. I'll keep you guys posted. Okay, 354 00:14:13,480 --> 00:14:17,559 Speaker 4: So no my fortune cookie broke tip is it's actually 355 00:14:17,640 --> 00:14:20,960 Speaker 4: really cheap and kind of cute, if I do say 356 00:14:21,000 --> 00:14:24,120 Speaker 4: so myself. Gift ideas one was a Valentine's Day but 357 00:14:24,160 --> 00:14:27,680 Speaker 4: you can use it for whatever, whoever, whenever, and for 358 00:14:27,720 --> 00:14:30,560 Speaker 4: any occasion. So basically all of the ingredients that you 359 00:14:30,640 --> 00:14:34,600 Speaker 4: need are actually all pantry staples. So flour sugar, I can, 360 00:14:34,680 --> 00:14:36,360 Speaker 4: and I can give you the actual recipe that I want. 361 00:14:36,400 --> 00:14:42,640 Speaker 2: Special recipes fortune cookies, very authentic, I feel cue. 362 00:14:43,120 --> 00:14:46,280 Speaker 4: So it was really just flour, sugar, egg, and a 363 00:14:46,280 --> 00:14:49,640 Speaker 4: bit of vanilla extract and water as well, sorry, water 364 00:14:49,720 --> 00:14:52,240 Speaker 4: as well, and then you get literally any kind of paper, 365 00:14:52,400 --> 00:14:54,320 Speaker 4: any kind of pen whatever you can find around the house, 366 00:14:54,360 --> 00:14:56,320 Speaker 4: just some sort of panel pencil and some sort of 367 00:14:56,360 --> 00:14:59,560 Speaker 4: writing whatever you can find back of a receipt. I 368 00:14:59,560 --> 00:15:02,720 Speaker 4: don't mind. So it is actually really easy and so quick. 369 00:15:02,760 --> 00:15:04,840 Speaker 4: It took me like ten minutes. All the ingredients altogether 370 00:15:04,880 --> 00:15:07,480 Speaker 4: cost me about fifteen dollars, and that was like literally 371 00:15:07,520 --> 00:15:09,360 Speaker 4: starting from nothing. But I assume a lot of people 372 00:15:09,720 --> 00:15:13,480 Speaker 4: already sugar all that kind of stuff in their pantry, 373 00:15:13,560 --> 00:15:17,080 Speaker 4: so hopefully cost less than that. But for me, buying 374 00:15:17,320 --> 00:15:21,200 Speaker 4: everything from scratch was like fifteen bucks. So and honestly, 375 00:15:21,240 --> 00:15:22,640 Speaker 4: I think it's like the cutest gift. 376 00:15:22,880 --> 00:15:24,600 Speaker 2: I think it's really wholesome and romantic. 377 00:15:25,280 --> 00:15:26,840 Speaker 6: The way you can write whatever you want, like you 378 00:15:26,920 --> 00:15:29,680 Speaker 6: had a little poem or a little saying or a little surprised. 379 00:15:30,840 --> 00:15:33,040 Speaker 2: I love that she said she puts receipts. She's like 380 00:15:33,120 --> 00:15:35,760 Speaker 2: on the back of a receipt. All right, So I'm 381 00:15:35,760 --> 00:15:38,080 Speaker 2: going to make fortune cookies for you guys of the 382 00:15:38,160 --> 00:15:40,840 Speaker 2: receipts of what I'm spending on you guys, and then 383 00:15:40,840 --> 00:15:42,560 Speaker 2: I'm going to give you the fortune cookie. 384 00:15:42,280 --> 00:15:46,760 Speaker 4: And yeah, use recycle totally. Yeah, it will be flower 385 00:15:46,840 --> 00:15:48,040 Speaker 4: sugar egg on. 386 00:15:47,960 --> 00:15:51,080 Speaker 2: The just so you know, this cost me fifteen dollars 387 00:15:51,720 --> 00:15:55,760 Speaker 2: and that's really wholesome, way more romantic than both of 388 00:15:55,760 --> 00:15:56,840 Speaker 2: our partners combined. 389 00:15:57,040 --> 00:16:00,760 Speaker 4: Oh well, that's what you made, that's what you what 390 00:16:00,880 --> 00:16:02,760 Speaker 4: you get, we get it. 391 00:16:02,960 --> 00:16:05,600 Speaker 2: I'm sorry, I'm sorry. I love that. 392 00:16:06,000 --> 00:16:09,000 Speaker 4: Thank you so much. Cookie cookies. I do recommend. It's 393 00:16:09,080 --> 00:16:11,160 Speaker 4: very cute. It's actually not too hard. But you can 394 00:16:11,200 --> 00:16:13,280 Speaker 4: find this all on YouTube. And also I'll give you, 395 00:16:13,280 --> 00:16:16,080 Speaker 4: guys the actual recipe. We can put it on stories. 396 00:16:16,120 --> 00:16:18,120 Speaker 4: We'll put it on Stories. I think that's really wholesome. 397 00:16:18,200 --> 00:16:18,960 Speaker 4: That's my brick tip. 398 00:16:19,160 --> 00:16:20,800 Speaker 2: Love it, but you have to wait an entire year 399 00:16:20,840 --> 00:16:24,480 Speaker 2: to use it next Valentine's Day. So all right, let's 400 00:16:24,480 --> 00:16:26,480 Speaker 2: go to a really quick break on the flip side. 401 00:16:26,480 --> 00:16:29,520 Speaker 2: We're going to be talking about pet insurance, whether it's 402 00:16:29,520 --> 00:16:32,240 Speaker 2: worth it, whether it's not. And we're also unpacking something 403 00:16:32,360 --> 00:16:35,040 Speaker 2: you slid into our DMS, about which this week you 404 00:16:35,080 --> 00:16:36,680 Speaker 2: ask if you should be moving in with your in 405 00:16:36,800 --> 00:16:40,359 Speaker 2: laws to save some cash. So guys, don't go anywhere. 406 00:16:44,960 --> 00:16:47,480 Speaker 6: Welcome back, everybody. Let's take a listen to this week's 407 00:16:47,480 --> 00:16:48,240 Speaker 6: money dilemma. 408 00:16:50,680 --> 00:16:53,040 Speaker 2: Hi, there, have you got a money dilemma you just 409 00:16:53,080 --> 00:16:55,600 Speaker 2: can't solve. The ese on The Money Team is here 410 00:16:55,640 --> 00:16:58,880 Speaker 2: to help. Every week, we tackle your dilemmas, both big 411 00:16:58,920 --> 00:17:01,640 Speaker 2: and small, to answer your most burning money, career and 412 00:17:01,720 --> 00:17:04,880 Speaker 2: life questions. To get involved, simply head to our website 413 00:17:04,920 --> 00:17:07,040 Speaker 2: and leave us a short voice recording and you might 414 00:17:07,119 --> 00:17:09,639 Speaker 2: just find yourself on the show. Now, let's take a 415 00:17:09,680 --> 00:17:11,440 Speaker 2: listen to this week's money dilemma. 416 00:17:12,920 --> 00:17:17,119 Speaker 5: Hi, Team, I need some help with pet insurance. I 417 00:17:17,200 --> 00:17:21,159 Speaker 5: have a one year old sausage dog, and on top 418 00:17:21,359 --> 00:17:25,000 Speaker 5: of desexing and the standard things you paid for like 419 00:17:25,080 --> 00:17:28,680 Speaker 5: worming and stuff, he's had two instances we've had to 420 00:17:28,760 --> 00:17:31,439 Speaker 5: take him to the vet urgently. The first time was 421 00:17:31,600 --> 00:17:34,359 Speaker 5: cost four hundred dollars, the second time seven hundred dollars. 422 00:17:34,720 --> 00:17:37,320 Speaker 5: Luckily we've had an emergency fund to cover this, so 423 00:17:37,400 --> 00:17:39,760 Speaker 5: that was fine. But it's made me think, to any 424 00:17:39,800 --> 00:17:44,160 Speaker 5: pensurance I'm all about. I know Victoria always says get 425 00:17:44,200 --> 00:17:47,720 Speaker 5: insurance like that's really important, and I'm on board with 426 00:17:47,880 --> 00:17:51,160 Speaker 5: every other insurance. But for some reason, I'm not convinced 427 00:17:51,200 --> 00:17:55,200 Speaker 5: by pensurance. I think because it often says they don't 428 00:17:55,240 --> 00:17:57,359 Speaker 5: cover everything. Please help. 429 00:17:57,600 --> 00:18:00,480 Speaker 2: I think this is a really good question, and she's 430 00:18:00,560 --> 00:18:03,840 Speaker 2: said that she has a little dashound. I'm obsessed with 431 00:18:03,920 --> 00:18:07,800 Speaker 2: sausage dogs, like I literally follow on Instagram and TikTok 432 00:18:08,080 --> 00:18:11,119 Speaker 2: you got a dashound? Great, I probably follow you. I 433 00:18:11,240 --> 00:18:13,880 Speaker 2: just want to see their little noodly bodies doing noodlely 434 00:18:13,920 --> 00:18:16,639 Speaker 2: things like oh, I actually lose my mind when I 435 00:18:16,640 --> 00:18:19,679 Speaker 2: see them at the park. Like anyway, Thankfully, I've got 436 00:18:19,720 --> 00:18:21,280 Speaker 2: a dog as well, so it just looks like my 437 00:18:21,400 --> 00:18:24,040 Speaker 2: dog's interested in talking to your dog. It's not like 438 00:18:24,080 --> 00:18:26,000 Speaker 2: I've primed her. I'm like, you see a dashound, you 439 00:18:26,080 --> 00:18:28,320 Speaker 2: need to go down there and make friends with it 440 00:18:28,359 --> 00:18:32,959 Speaker 2: so I can less awkward, right, thank you. But pet insurance, 441 00:18:33,160 --> 00:18:35,520 Speaker 2: so it's one of those things where you could take 442 00:18:35,560 --> 00:18:37,320 Speaker 2: it or you could leave it. It's completely up to 443 00:18:37,359 --> 00:18:40,679 Speaker 2: you personally. We have it, but we have it for Lucy, 444 00:18:40,760 --> 00:18:42,840 Speaker 2: but not for my cat. So Lucy is my dog, 445 00:18:43,240 --> 00:18:45,600 Speaker 2: and the reason is because she's always out and about, 446 00:18:45,720 --> 00:18:47,760 Speaker 2: like I feel like her risk level is much higher. 447 00:18:47,880 --> 00:18:50,760 Speaker 2: Cats are arguably a bit more resistant. Mine a mixed breed, 448 00:18:50,880 --> 00:18:53,600 Speaker 2: so they're not you know, these pure bred cats who 449 00:18:54,119 --> 00:18:58,080 Speaker 2: are you know, predisposed to more genetic conditions same as Lucy, 450 00:18:58,119 --> 00:19:00,280 Speaker 2: though she's a mix, so at the end of the day, 451 00:19:00,400 --> 00:19:05,240 Speaker 2: she's less predisposed. But dashound is very predisposed to stuff 452 00:19:05,280 --> 00:19:07,600 Speaker 2: like hip display show. Right, I'm not a vet, just 453 00:19:07,680 --> 00:19:09,440 Speaker 2: know it exists because I've got a couple of friends 454 00:19:09,440 --> 00:19:12,479 Speaker 2: who have them. In Australia, a dashound can cost up 455 00:19:12,480 --> 00:19:15,800 Speaker 2: to six five hundred dollars in Australia to actually just 456 00:19:15,880 --> 00:19:18,600 Speaker 2: purchase as the pet to begin with, which is a 457 00:19:19,000 --> 00:19:22,320 Speaker 2: very substantial I would say initial investment in getting a 458 00:19:22,320 --> 00:19:26,000 Speaker 2: pet like wild. Anyway, we're also not having a conversation 459 00:19:26,040 --> 00:19:28,280 Speaker 2: about adopt, don't shop all of that right now. This 460 00:19:28,400 --> 00:19:30,600 Speaker 2: is actually just about pet insurance, not about how you 461 00:19:30,640 --> 00:19:33,840 Speaker 2: acquire it. I'm just giving you some financial information and 462 00:19:33,880 --> 00:19:38,280 Speaker 2: then pet insurance every month. Because different breeds carry different 463 00:19:38,359 --> 00:19:41,000 Speaker 2: levels of risk. So I've looked this up for you. 464 00:19:41,040 --> 00:19:44,000 Speaker 2: Pet insurance can cost anywhere between fifty seven dollars and 465 00:19:44,000 --> 00:19:46,119 Speaker 2: twenty three cents a month all the way up to 466 00:19:46,200 --> 00:19:50,400 Speaker 2: two hundred and thirteen dollars and six cents a month. Wow, 467 00:19:50,480 --> 00:19:53,639 Speaker 2: So that's a big difference. But the problem here, I 468 00:19:53,640 --> 00:19:57,600 Speaker 2: think is yes, some things are going to be excluded, 469 00:19:57,720 --> 00:20:01,560 Speaker 2: and they're going to be excluded because thatarticular breed is 470 00:20:01,640 --> 00:20:04,840 Speaker 2: going to be more predisposed to having a particular issue, 471 00:20:04,960 --> 00:20:08,399 Speaker 2: right like, And if the insurance company knows dashounds have 472 00:20:08,560 --> 00:20:11,520 Speaker 2: really bad you know, history of hip displacier, they're going 473 00:20:11,600 --> 00:20:14,359 Speaker 2: to go, well, i'll cover everything for you, but do 474 00:20:14,400 --> 00:20:16,480 Speaker 2: we really need to cover the thing that's most likely 475 00:20:16,520 --> 00:20:18,600 Speaker 2: to happen? And while that's not a good or a 476 00:20:18,640 --> 00:20:20,840 Speaker 2: bad thing, it means you need to deep dive into 477 00:20:20,880 --> 00:20:23,960 Speaker 2: your insurance. And I wouldn't just pick a policy online, 478 00:20:24,320 --> 00:20:26,760 Speaker 2: so I would have a look online. We currently have 479 00:20:26,800 --> 00:20:29,440 Speaker 2: our insurance through bow Wow Meo. I don't know if 480 00:20:29,480 --> 00:20:32,359 Speaker 2: anyone cares, but that worked the best for us. Also, 481 00:20:32,480 --> 00:20:34,840 Speaker 2: cute name. That's a very cute name, very cute name. 482 00:20:35,080 --> 00:20:37,680 Speaker 2: But I would do some research. And what I did 483 00:20:37,720 --> 00:20:40,439 Speaker 2: when I was getting it everything online looked great. But 484 00:20:40,520 --> 00:20:42,640 Speaker 2: I called them as well and just you know, tick 485 00:20:42,720 --> 00:20:44,720 Speaker 2: some boxes and said, what are the things that I'm 486 00:20:44,720 --> 00:20:47,359 Speaker 2: definitely not going to get like with this type of dog, Like, 487 00:20:47,480 --> 00:20:49,959 Speaker 2: what have you seen as being you know, the biggest issues? 488 00:20:49,960 --> 00:20:52,600 Speaker 2: What do I need to foresee? So I think that's 489 00:20:53,080 --> 00:20:56,439 Speaker 2: really important as well. But you've also disclosed to me 490 00:20:56,520 --> 00:20:59,440 Speaker 2: that there have been some issues in your dog's life. 491 00:20:59,440 --> 00:21:02,000 Speaker 2: That you've already had to pay for, so you might 492 00:21:02,080 --> 00:21:05,280 Speaker 2: have to disclose those when applying for pet insurance and 493 00:21:05,280 --> 00:21:07,720 Speaker 2: they might go, well, because your dog already has a 494 00:21:07,760 --> 00:21:10,400 Speaker 2: broken X, we're not going to cover that X. It's 495 00:21:10,440 --> 00:21:12,120 Speaker 2: the same as human insurance. 496 00:21:12,200 --> 00:21:12,360 Speaker 1: Right. 497 00:21:12,440 --> 00:21:14,720 Speaker 2: A couple of weeks ago, we're talking about you, Jessica, 498 00:21:14,800 --> 00:21:17,199 Speaker 2: and how you have a not so great knee, and 499 00:21:17,320 --> 00:21:20,080 Speaker 2: we know that when jess did her personal insurances, the 500 00:21:20,080 --> 00:21:22,080 Speaker 2: insurer was like, great, Jess, I'd love to cover you 501 00:21:22,080 --> 00:21:26,840 Speaker 2: for literally everything except your right knee. And jess was like, okay, fair, 502 00:21:27,119 --> 00:21:29,960 Speaker 2: my right knee's pretty cooked and something's probably gonna happen 503 00:21:29,960 --> 00:21:31,959 Speaker 2: to it. And I know that risk there, So does 504 00:21:31,960 --> 00:21:35,200 Speaker 2: that make sense? So it's really up to you. I mean, 505 00:21:35,320 --> 00:21:38,199 Speaker 2: if you're going to ensure a pet, I would be 506 00:21:38,400 --> 00:21:40,760 Speaker 2: talking to the insurer about like, all right, well, puppy 507 00:21:40,840 --> 00:21:43,760 Speaker 2: might be cheap, but like, how long can I ensure them? 508 00:21:43,880 --> 00:21:46,399 Speaker 2: Some companies will only ensure a pet up until eight 509 00:21:46,520 --> 00:21:49,679 Speaker 2: years old, some ten, some longer. You just need to 510 00:21:49,840 --> 00:21:53,359 Speaker 2: know the semantics. Also, what are the increased insurance costs 511 00:21:53,400 --> 00:21:55,679 Speaker 2: every year? Is that fifty seven? Because you've got a 512 00:21:55,720 --> 00:21:57,760 Speaker 2: one year old and then the two hundred because you've 513 00:21:57,760 --> 00:22:00,200 Speaker 2: got an eight year old, in which case had you've 514 00:22:00,200 --> 00:22:03,159 Speaker 2: done a bit of a cost benefit analysis and worked 515 00:22:03,160 --> 00:22:05,119 Speaker 2: out what that actually is going to look like over 516 00:22:05,200 --> 00:22:07,560 Speaker 2: the lifetime of the pet. Because I have a lot 517 00:22:07,640 --> 00:22:09,359 Speaker 2: of friends and we have a lot of community members 518 00:22:09,400 --> 00:22:11,320 Speaker 2: who are like, do you know what, I'd prefer to 519 00:22:11,400 --> 00:22:14,680 Speaker 2: put X amount into a savings account each and every 520 00:22:14,720 --> 00:22:17,560 Speaker 2: single month and just forget about it and have a 521 00:22:17,560 --> 00:22:20,400 Speaker 2: pet emergency fund and if it doesn't get used, money 522 00:22:20,400 --> 00:22:22,880 Speaker 2: when I have more money on the side. So it's 523 00:22:22,920 --> 00:22:25,240 Speaker 2: up to you guys. Do you guys have any pet advice? 524 00:22:25,720 --> 00:22:26,240 Speaker 2: Not really. 525 00:22:26,640 --> 00:22:29,400 Speaker 6: I think like, given you know that dashounds have those 526 00:22:29,400 --> 00:22:31,880 Speaker 6: pre existing conditions, I think it's definitely worth looking into 527 00:22:31,960 --> 00:22:34,720 Speaker 6: it because I think that from what I've heard, some 528 00:22:34,760 --> 00:22:36,960 Speaker 6: of the surgeries that they might need can be in 529 00:22:37,000 --> 00:22:39,400 Speaker 6: the thousands and thousands of dollars, And you don't want 530 00:22:39,400 --> 00:22:41,199 Speaker 6: to find yourself if you can avoid it in a 531 00:22:41,200 --> 00:22:44,119 Speaker 6: position where you're trying to decide, you know, is it 532 00:22:44,280 --> 00:22:47,680 Speaker 6: quote unquote worth it to spend that money to save 533 00:22:47,760 --> 00:22:50,280 Speaker 6: the pet or to improve their quality of life? Because 534 00:22:50,280 --> 00:22:52,879 Speaker 6: I think that that's a really devastating choice. 535 00:22:52,600 --> 00:22:53,160 Speaker 2: To have to make. 536 00:22:53,280 --> 00:22:55,439 Speaker 6: So I think it's definitely well worth looking into, but 537 00:22:55,680 --> 00:22:57,919 Speaker 6: it really depends on what kind of policy you can 538 00:22:57,920 --> 00:22:59,919 Speaker 6: get and whether it will work out to be worth. 539 00:22:59,760 --> 00:23:02,440 Speaker 2: It or yeah, I think it's genuinely worth you doing 540 00:23:02,440 --> 00:23:05,440 Speaker 2: the research. I feel like sometimes we get questions from 541 00:23:05,440 --> 00:23:07,600 Speaker 2: people being like, is it really worth it the and 542 00:23:07,640 --> 00:23:10,080 Speaker 2: the reality is you need to do your own research 543 00:23:10,119 --> 00:23:11,959 Speaker 2: to work out if it's worth it for you. Because 544 00:23:12,080 --> 00:23:14,359 Speaker 2: for me, I look at it and go I don't 545 00:23:14,359 --> 00:23:17,359 Speaker 2: think it's worth it for my cats personally, but I 546 00:23:17,400 --> 00:23:19,560 Speaker 2: did think it was worth it for my dog, And 547 00:23:19,640 --> 00:23:22,119 Speaker 2: at some point I might be like, this is getting 548 00:23:22,160 --> 00:23:25,200 Speaker 2: astronomical in terms of costs. I'm just going to put 549 00:23:25,240 --> 00:23:29,280 Speaker 2: some cash away and you know, cancel Lucy's insurance and 550 00:23:29,440 --> 00:23:32,280 Speaker 2: we'll deal with it in cash when that happens. So 551 00:23:32,520 --> 00:23:35,000 Speaker 2: I think it's really about working out your own financial 552 00:23:35,000 --> 00:23:38,159 Speaker 2: situation and the risk because Jess, for you as well, 553 00:23:38,520 --> 00:23:40,720 Speaker 2: you have to indoor cats the same as I do. 554 00:23:41,600 --> 00:23:44,560 Speaker 2: I feel like, if a really big unexpected cost came up, 555 00:23:45,359 --> 00:23:47,639 Speaker 2: I know that you're one in the financial position, you 556 00:23:47,640 --> 00:23:49,879 Speaker 2: have an emergency fund, you could pay for it. I 557 00:23:49,880 --> 00:23:51,760 Speaker 2: think you'd prefer that than to be losing one hundred 558 00:23:51,760 --> 00:23:54,439 Speaker 2: and fifty bucks a month on insurance. Yeah, so like, 559 00:23:54,920 --> 00:23:56,800 Speaker 2: I'm not saying that there's a right or wrong. It's 560 00:23:56,800 --> 00:23:58,880 Speaker 2: all about like what you're comfortable with, because that might, 561 00:23:58,960 --> 00:24:01,240 Speaker 2: you know, give you crippling anxiety at night because they're 562 00:24:01,280 --> 00:24:04,040 Speaker 2: not insured. So it's it's completely up to you. 563 00:24:05,160 --> 00:24:07,280 Speaker 4: I guess, like, I don't really I don't have pets 564 00:24:07,320 --> 00:24:09,080 Speaker 4: at all. But my best friend just bought a little 565 00:24:09,080 --> 00:24:10,040 Speaker 4: doggie which was really cute. 566 00:24:10,040 --> 00:24:11,960 Speaker 2: Oh really, Oh my god, No, I did know that. 567 00:24:12,000 --> 00:24:15,120 Speaker 2: I saw it on Instagram. Yes, so cut. 568 00:24:15,640 --> 00:24:17,760 Speaker 4: She's very sweet, she's very very cute. But I guess, 569 00:24:17,800 --> 00:24:20,600 Speaker 4: like I just have a story that's kind of maybe 570 00:24:20,600 --> 00:24:22,960 Speaker 4: like fear mongering, but also I'm with u V that 571 00:24:23,000 --> 00:24:25,280 Speaker 4: it does depend on your own personal situation. But a 572 00:24:25,320 --> 00:24:27,119 Speaker 4: couple of friends of mine, one of them got a 573 00:24:27,160 --> 00:24:30,840 Speaker 4: dog and one the other friend got the exact same breed. 574 00:24:31,080 --> 00:24:33,920 Speaker 4: Maybe like a couple of weeks later. For the sake 575 00:24:33,960 --> 00:24:37,160 Speaker 4: of this story, let's say Jen and Harry. So Jen 576 00:24:37,359 --> 00:24:40,200 Speaker 4: was telling yeah, Jen and Harry. Jen was telling Harry 577 00:24:40,240 --> 00:24:43,359 Speaker 4: to get pet insurance because her dog same breed broke 578 00:24:43,400 --> 00:24:46,560 Speaker 4: her leg just like a couple of days prior. Harry said, 579 00:24:46,800 --> 00:24:48,520 Speaker 4: I don't really need it. I don't think I'm gonna 580 00:24:48,680 --> 00:24:52,560 Speaker 4: be getting it. That same day, Harry's dog broke her 581 00:24:52,600 --> 00:24:56,480 Speaker 4: leg and Harry didn't have pet. 582 00:24:56,880 --> 00:24:58,399 Speaker 2: Be out here fear mongering, don't you? 583 00:24:58,440 --> 00:25:01,720 Speaker 4: I really do be but I gets chances it was 584 00:25:01,720 --> 00:25:02,879 Speaker 4: actually it's actually. 585 00:25:02,600 --> 00:25:06,080 Speaker 7: A great leg is not doctor, shouldn't just break legs 586 00:25:06,200 --> 00:25:08,920 Speaker 7: if my parents' dog broke her leg? Like I feel 587 00:25:08,920 --> 00:25:11,840 Speaker 7: like doing what she was jumping up onto the deck 588 00:25:12,280 --> 00:25:13,400 Speaker 7: and ncapped herself. 589 00:25:13,600 --> 00:25:16,360 Speaker 2: Oh yeah, sorry, sorry. 590 00:25:16,119 --> 00:25:18,120 Speaker 4: Sorry that sounds so painful. 591 00:25:18,240 --> 00:25:21,000 Speaker 2: Yeah, and then she kind of gaslit everybody and was 592 00:25:21,000 --> 00:25:22,840 Speaker 2: hobbling around being like I'm fine, I'm fine. 593 00:25:23,000 --> 00:25:23,680 Speaker 5: We took her to the. 594 00:25:23,920 --> 00:25:27,479 Speaker 4: Not fine, I'm fine, fine baby. So I guess like 595 00:25:27,680 --> 00:25:30,399 Speaker 4: all that to say, run the numbers and don't listen 596 00:25:30,440 --> 00:25:32,679 Speaker 4: to this female green story. But because it might not 597 00:25:32,680 --> 00:25:33,600 Speaker 4: happen to you ever. 598 00:25:33,720 --> 00:25:35,280 Speaker 2: I'm glad it's on our podcast now. 599 00:25:35,320 --> 00:25:37,040 Speaker 4: But New Fear Unlocked. 600 00:25:37,359 --> 00:25:39,960 Speaker 2: Oh, you're welcome, You're welcome. This is what She's on 601 00:25:39,960 --> 00:25:42,520 Speaker 2: the money exists for. She's on the money also kind 602 00:25:42,560 --> 00:25:45,520 Speaker 2: of exists for drama as well, like just god, yeah, 603 00:25:45,560 --> 00:25:47,200 Speaker 2: like we don't want to be the drama. We just 604 00:25:47,240 --> 00:25:49,159 Speaker 2: want to watch your drama, which is why we do 605 00:25:49,240 --> 00:25:52,119 Speaker 2: our money dilemma and in this week's money dilemma, are 606 00:25:52,119 --> 00:25:55,119 Speaker 2: you ready for it? Yeah? All right, let's go. So 607 00:25:55,160 --> 00:25:57,040 Speaker 2: we got a DM this week and it sounded a 608 00:25:57,040 --> 00:25:59,919 Speaker 2: lot like this. Hi, ladies, I'm planning on moving in 609 00:26:00,040 --> 00:26:02,679 Speaker 2: to my boyfriend's parents' house to save some money to 610 00:26:02,760 --> 00:26:06,159 Speaker 2: purchase our own property. It's so kind of his parents 611 00:26:06,200 --> 00:26:08,600 Speaker 2: to offer, and he thinks it's a great idea to 612 00:26:08,640 --> 00:26:12,439 Speaker 2: save some cash. Whilst I understand the financial benefits of it, 613 00:26:12,600 --> 00:26:14,520 Speaker 2: I'm not sure I want to share my space with 614 00:26:14,600 --> 00:26:17,800 Speaker 2: my partner's parents, and worry it'll put a strain on 615 00:26:17,880 --> 00:26:21,080 Speaker 2: all of our relationships. I'm not overly close with them, 616 00:26:21,119 --> 00:26:24,440 Speaker 2: and I would feel uncomfortable in their space. I'm also 617 00:26:24,480 --> 00:26:27,479 Speaker 2: a beautician who takes appointments from home, and his parents 618 00:26:27,480 --> 00:26:30,240 Speaker 2: have said they don't feel comfortable with this, so I'll 619 00:26:30,280 --> 00:26:33,240 Speaker 2: have to find a spot to rent to continue my work. 620 00:26:33,760 --> 00:26:35,560 Speaker 2: Do I just suck it up and move in with them? 621 00:26:35,640 --> 00:26:38,920 Speaker 2: Should I be prioritizing my future and financial goals even 622 00:26:38,960 --> 00:26:40,800 Speaker 2: if it means I have to live in a not 623 00:26:40,960 --> 00:26:45,040 Speaker 2: ideal situation for a while. Please send some help. And 624 00:26:45,040 --> 00:26:49,240 Speaker 2: then she did the little melting emoji fas good emoji 625 00:26:49,280 --> 00:26:49,520 Speaker 2: for that. 626 00:26:49,840 --> 00:26:51,480 Speaker 4: Yeah, yeah, perfect, that's what I'm feeling. 627 00:26:51,480 --> 00:26:52,160 Speaker 2: What'd you do back? 628 00:26:52,920 --> 00:26:55,000 Speaker 4: This is a really tough one, but I think that, like, 629 00:26:55,440 --> 00:26:59,320 Speaker 4: you know, but this is me, Like I'm historically and 630 00:26:59,680 --> 00:27:04,560 Speaker 4: consistantly not great with money, and so I would absolutely 631 00:27:04,600 --> 00:27:08,880 Speaker 4: prioritize my own happiness over hitting your financial goal sooner 632 00:27:08,960 --> 00:27:13,000 Speaker 4: than anticipated. Although I guess it really does depend on 633 00:27:13,040 --> 00:27:15,600 Speaker 4: your priorities and like if that's something that really keeps 634 00:27:15,600 --> 00:27:16,960 Speaker 4: you up atn ID or that if that's something that 635 00:27:17,000 --> 00:27:20,320 Speaker 4: you're really really wanting to work toward, or that's you know, 636 00:27:20,880 --> 00:27:22,919 Speaker 4: if that's the top of your priority and you are 637 00:27:23,000 --> 00:27:26,720 Speaker 4: willing to sacrifice your comfort and maybe like kind of 638 00:27:26,760 --> 00:27:30,880 Speaker 4: happiness for a little while, then maybe, in her words, 639 00:27:30,920 --> 00:27:33,840 Speaker 4: suck it up, not in my words, but yeah, I 640 00:27:33,840 --> 00:27:38,000 Speaker 4: would always prioritize my own comfort and happiness, even if 641 00:27:38,000 --> 00:27:40,879 Speaker 4: that means that my goals are further away from me, 642 00:27:41,200 --> 00:27:44,320 Speaker 4: you know what I mean. But hey, that's just me, 643 00:27:44,560 --> 00:27:46,920 Speaker 4: and I don't know if i'd listened to me, because 644 00:27:46,960 --> 00:27:50,840 Speaker 4: I am always a little bit broke, so you'll. 645 00:27:50,720 --> 00:27:53,440 Speaker 6: T I Actually I agree with you. We've answered a 646 00:27:53,520 --> 00:27:56,480 Speaker 6: question very similar to this kind of recently, and I 647 00:27:56,480 --> 00:27:59,320 Speaker 6: think my answer then was different because this person has 648 00:27:59,359 --> 00:28:04,159 Speaker 6: the element of their home business, which our original question didn't. 649 00:28:04,440 --> 00:28:06,800 Speaker 6: I think if it was just a matter of saving money, 650 00:28:07,480 --> 00:28:09,240 Speaker 6: I kind of would go, yeah, suck it up for 651 00:28:09,280 --> 00:28:11,679 Speaker 6: a little bit, make it work. But I think given 652 00:28:11,680 --> 00:28:14,119 Speaker 6: that you're going to have to rent a space, moving 653 00:28:14,160 --> 00:28:16,600 Speaker 6: in with his parents may not actually put you ahead 654 00:28:16,680 --> 00:28:20,760 Speaker 6: financially all that significantly, depending on how much it costs 655 00:28:20,800 --> 00:28:23,720 Speaker 6: to lease a space versus how much you're currently paying 656 00:28:23,760 --> 00:28:27,280 Speaker 6: in rent. So I think there, I go, well, if 657 00:28:27,320 --> 00:28:31,680 Speaker 6: you're saving is not as significant, and do you think 658 00:28:31,720 --> 00:28:34,400 Speaker 6: you're going to be really unhappy? I personally probably would 659 00:28:34,440 --> 00:28:38,360 Speaker 6: consider keeping your current arrangement, maybe looking to downsize the 660 00:28:38,400 --> 00:28:40,840 Speaker 6: house that you're renting in if that's an option, or 661 00:28:40,920 --> 00:28:43,320 Speaker 6: move to a different area that's a bit more affordable 662 00:28:43,720 --> 00:28:47,120 Speaker 6: to kind of meet that break even point, because yeah, 663 00:28:47,160 --> 00:28:49,680 Speaker 6: I think your happiness is very important, and given that 664 00:28:49,760 --> 00:28:51,840 Speaker 6: you are still going to have to spend money on rent, 665 00:28:51,840 --> 00:28:54,000 Speaker 6: which I assume would still be a pretty significant amount 666 00:28:54,040 --> 00:28:55,840 Speaker 6: of money even if you're just renting like a chair 667 00:28:55,880 --> 00:28:58,640 Speaker 6: in and an existing saloon or something, I don't know 668 00:28:58,760 --> 00:29:01,080 Speaker 6: how much further ahead would put you. And then if 669 00:29:01,080 --> 00:29:04,479 Speaker 6: you're worried about the friction on top of that, you know, 670 00:29:04,640 --> 00:29:06,760 Speaker 6: I think happiness is something that is also important. 671 00:29:07,120 --> 00:29:09,960 Speaker 2: I agree, I agree. I'm going to go full finance 672 00:29:10,200 --> 00:29:12,080 Speaker 2: nerd on you. Have you done the maths? Have you 673 00:29:12,120 --> 00:29:15,280 Speaker 2: worked it out? What's the financial benefit? Genuinely? What is 674 00:29:15,280 --> 00:29:18,240 Speaker 2: the financial benefit? So if you've sat down and done 675 00:29:18,280 --> 00:29:20,280 Speaker 2: your budget for this year and you know that rent 676 00:29:20,360 --> 00:29:22,000 Speaker 2: is going to cost X and you know bill is 677 00:29:22,000 --> 00:29:25,320 Speaker 2: going to cost why what is going to actually be 678 00:29:25,520 --> 00:29:28,440 Speaker 2: saved if you move into this new situation which you're 679 00:29:28,520 --> 00:29:30,480 Speaker 2: uncomfortable about it, But let's put that aside for a 680 00:29:30,480 --> 00:29:33,280 Speaker 2: hot second and actually just focus on the mathematics of it, 681 00:29:33,360 --> 00:29:37,080 Speaker 2: because that's what you're kind of weighing up anyway. What 682 00:29:37,120 --> 00:29:39,200 Speaker 2: would it look like to move into you know, your 683 00:29:39,200 --> 00:29:41,920 Speaker 2: mother in law's house? Like for me, I'd be like, yeah, slay, 684 00:29:42,040 --> 00:29:44,320 Speaker 2: she's basically the female version of Steve and I love 685 00:29:44,360 --> 00:29:47,360 Speaker 2: Steve Flack. I'd move in a heartbeat. What a win. 686 00:29:47,800 --> 00:29:50,239 Speaker 2: But not everybody is like that, So work out the 687 00:29:50,240 --> 00:29:53,640 Speaker 2: financial benefit. How much would it cost to actually, you know, 688 00:29:53,680 --> 00:29:55,800 Speaker 2: you said you're a beautaition, how much would it cost 689 00:29:55,840 --> 00:29:56,560 Speaker 2: to rent a chair? 690 00:29:57,040 --> 00:29:57,120 Speaker 1: Like? 691 00:29:57,200 --> 00:29:59,600 Speaker 2: I know that that's not putting you in the quote 692 00:29:59,600 --> 00:30:02,440 Speaker 2: best possible position, but I'm going to make a grand 693 00:30:02,480 --> 00:30:04,800 Speaker 2: assumption that renting a chair in a salon is much 694 00:30:04,840 --> 00:30:08,040 Speaker 2: cheaper than renting a whole house. So you know, are 695 00:30:08,040 --> 00:30:10,000 Speaker 2: you doing that five days a week? Maybe you're doing 696 00:30:10,000 --> 00:30:11,600 Speaker 2: it two or three? Like, I don't know what that 697 00:30:11,640 --> 00:30:14,600 Speaker 2: looks like. Do your maths, and then from there go well, 698 00:30:14,800 --> 00:30:16,600 Speaker 2: what if we didn't change a thing, what is our 699 00:30:16,640 --> 00:30:20,360 Speaker 2: trajectory to purchasing a home? Is it like five years away? 700 00:30:21,000 --> 00:30:25,040 Speaker 2: What time actually gets cut when I move in? Okay, 701 00:30:25,240 --> 00:30:27,680 Speaker 2: you might go, Jess, it means that you could save 702 00:30:27,720 --> 00:30:31,080 Speaker 2: a whole house deposit in one year. Oh okay, that 703 00:30:31,160 --> 00:30:33,560 Speaker 2: takes four years off the timeline. Now we're going to 704 00:30:33,600 --> 00:30:35,760 Speaker 2: go back to our values. How much do you care 705 00:30:35,800 --> 00:30:38,840 Speaker 2: about buying a house? Because Beck, if I ask you, 706 00:30:38,840 --> 00:30:40,800 Speaker 2: you'd be like, I don't care. I want to be 707 00:30:40,840 --> 00:30:44,120 Speaker 2: really comfy. Jess house obsessed. Wants to buy a house 708 00:30:44,160 --> 00:30:46,160 Speaker 2: this year. We'll probably buy a house this year, and 709 00:30:46,160 --> 00:30:49,240 Speaker 2: that's really exciting, but she's not willing to compromise her goal. 710 00:30:49,640 --> 00:30:51,400 Speaker 2: So like, we need to then sit down with our 711 00:30:51,440 --> 00:30:53,880 Speaker 2: partner and go, well, what do we actually want to 712 00:30:53,920 --> 00:30:56,760 Speaker 2: do when it comes to saving for a house, because 713 00:30:56,880 --> 00:30:59,560 Speaker 2: do you know what's much easier moving in with your 714 00:30:59,600 --> 00:31:02,560 Speaker 2: family if you have a really clear end point. I 715 00:31:02,600 --> 00:31:05,040 Speaker 2: know that if we move in in March, by December, 716 00:31:05,080 --> 00:31:07,240 Speaker 2: we're actually going to be in position X, and by 717 00:31:07,320 --> 00:31:10,080 Speaker 2: March next year we'll be able to buy. Maybe that 718 00:31:10,160 --> 00:31:12,440 Speaker 2: will change you going you know what, I'm happy to 719 00:31:12,480 --> 00:31:14,720 Speaker 2: rent a chair for twelve months because I'm going to 720 00:31:14,720 --> 00:31:17,440 Speaker 2: be in the exact position that we have been manifesting, 721 00:31:17,480 --> 00:31:20,520 Speaker 2: like we want this so bad. On the flip side, 722 00:31:20,560 --> 00:31:23,000 Speaker 2: I'd be like, well, Jess, if you move in March 723 00:31:23,440 --> 00:31:25,360 Speaker 2: next March, you can buy a house. And you go, 724 00:31:26,000 --> 00:31:27,960 Speaker 2: oh my god, I can't believe that I would live 725 00:31:28,000 --> 00:31:30,240 Speaker 2: with my in laws for twelve months. I just can't. 726 00:31:30,600 --> 00:31:32,880 Speaker 2: We need to change that because to me, same as 727 00:31:32,880 --> 00:31:36,080 Speaker 2: you Beck, life's about the journey. It's not about the destination. 728 00:31:36,280 --> 00:31:38,760 Speaker 2: And if it takes you a little bit longer, where's 729 00:31:38,760 --> 00:31:42,840 Speaker 2: the shame in something taking longer? Like you're putting these 730 00:31:43,040 --> 00:31:46,520 Speaker 2: prerequisites onto yourself. Nobody else is saying, yes, you have 731 00:31:46,560 --> 00:31:49,120 Speaker 2: to buy this year. The only person saying that is Jess, 732 00:31:49,320 --> 00:31:52,080 Speaker 2: And I respect that because I know she's really clear 733 00:31:52,120 --> 00:31:53,960 Speaker 2: on her values and her goals and what she wants 734 00:31:54,000 --> 00:31:57,040 Speaker 2: to achieve. So I completely support it. But if she said, oh, 735 00:31:57,040 --> 00:31:58,840 Speaker 2: I'm just going to take it slow for a couple 736 00:31:58,880 --> 00:32:01,120 Speaker 2: of years, it's not that important. It's definitely a big 737 00:32:01,120 --> 00:32:03,640 Speaker 2: thing I want to achieve, but like you know, it 738 00:32:03,640 --> 00:32:06,640 Speaker 2: doesn't have to happen really quickly. I'd be like, all right, well, 739 00:32:06,760 --> 00:32:09,880 Speaker 2: these things make sense to different people, and the outcome 740 00:32:09,960 --> 00:32:11,800 Speaker 2: is going to be very different for Jess as it 741 00:32:11,880 --> 00:32:14,680 Speaker 2: is for Beck, and it will be for whoever's written in. 742 00:32:15,080 --> 00:32:17,080 Speaker 2: So I think you really need to actually sit down, 743 00:32:17,200 --> 00:32:19,680 Speaker 2: do the maths, do the numbers, and then stand back 744 00:32:19,720 --> 00:32:22,480 Speaker 2: and be like, well, that's the position it would be 745 00:32:22,560 --> 00:32:24,959 Speaker 2: putting me in. Am I willing to make the compromise 746 00:32:25,000 --> 00:32:28,920 Speaker 2: of being a little bit uncomfortable because sometimes you might go, yeah, 747 00:32:28,960 --> 00:32:31,840 Speaker 2: that's pretty sick, Like I'm so far ahead. I'm willing 748 00:32:31,920 --> 00:32:34,040 Speaker 2: to do that. You might actually build into that a 749 00:32:34,040 --> 00:32:35,840 Speaker 2: little bit of fun money so that you go to 750 00:32:35,880 --> 00:32:37,959 Speaker 2: your partner, look, I'll move in. I feel a bit 751 00:32:38,040 --> 00:32:39,880 Speaker 2: uncomfortable about it because I don't want to always be in 752 00:32:39,880 --> 00:32:42,840 Speaker 2: their space, but I am going to, you know, keep 753 00:32:42,840 --> 00:32:44,960 Speaker 2: my gym membership because I want to get out of 754 00:32:45,000 --> 00:32:47,640 Speaker 2: the house. A bit more. Also, can we have like 755 00:32:47,680 --> 00:32:50,200 Speaker 2: a monthly date night so that you know we're getting 756 00:32:50,200 --> 00:32:51,720 Speaker 2: out of the house, we're having a meal on our own. 757 00:32:51,720 --> 00:32:53,760 Speaker 2: I don't feel like we're always under their toes, Like 758 00:32:54,040 --> 00:32:56,720 Speaker 2: what's going to make you feel comfortable about that situation? 759 00:32:56,840 --> 00:32:59,440 Speaker 2: And if you brainstorm that together and then realize it's 760 00:32:59,520 --> 00:33:02,840 Speaker 2: just exist in that space, maybe reevaluate and we just 761 00:33:02,920 --> 00:33:06,600 Speaker 2: changed the timeframes. Goal setting is beautiful because you don't 762 00:33:06,760 --> 00:33:08,560 Speaker 2: have to have everything set in stone. 763 00:33:09,320 --> 00:33:10,360 Speaker 6: What did everybody else say? 764 00:33:10,560 --> 00:33:13,800 Speaker 2: So we asked you guys a few questions. First, we said, 765 00:33:13,840 --> 00:33:16,120 Speaker 2: have you ever moved back in with your parents? Fifty 766 00:33:16,120 --> 00:33:18,280 Speaker 2: five percent of you said yes, it's a lot of people. 767 00:33:18,320 --> 00:33:20,320 Speaker 2: That's a lot of people. Have you, guys, ever moved 768 00:33:20,360 --> 00:33:23,640 Speaker 2: back in with your parents? No? No, neither. All right, 769 00:33:23,760 --> 00:33:27,280 Speaker 2: Well that was good. Out said if you said if 770 00:33:27,320 --> 00:33:30,320 Speaker 2: you said yes, did it help you get ahead financially? 771 00:33:30,720 --> 00:33:33,240 Speaker 2: Seventy four percent of you said yes, saved so much 772 00:33:33,280 --> 00:33:35,800 Speaker 2: money and twenty six percent said not really, as I 773 00:33:35,840 --> 00:33:37,320 Speaker 2: was also paying them rent and bills. 774 00:33:38,280 --> 00:33:40,960 Speaker 6: I'm surprised that it's only seventy percent, Like I would 775 00:33:40,960 --> 00:33:43,000 Speaker 6: have thought that the majority of people would move home 776 00:33:43,040 --> 00:33:43,720 Speaker 6: to save money. 777 00:33:44,160 --> 00:33:46,880 Speaker 2: Same. We then asked you, guys, if yes, how did 778 00:33:46,960 --> 00:33:50,080 Speaker 2: living with your parents go? Fifty two percent of you 779 00:33:50,120 --> 00:33:52,400 Speaker 2: said it was fine. I actually enjoyed it. Forty eight 780 00:33:52,440 --> 00:33:56,040 Speaker 2: percent of you said terrible. Never again. We then said, 781 00:33:56,360 --> 00:33:59,160 Speaker 2: have you been in a similar situation? Tell us. A 782 00:33:59,160 --> 00:34:01,360 Speaker 2: lot of people said, I actually still live with my parents. 783 00:34:01,400 --> 00:34:04,760 Speaker 2: I'm in my thirties. The key is open communication and 784 00:34:04,880 --> 00:34:08,160 Speaker 2: being treated like an adult. I feel like that's a 785 00:34:08,239 --> 00:34:11,040 Speaker 2: really important part. I hear too many stories where people 786 00:34:11,080 --> 00:34:13,440 Speaker 2: move back in with their parents and their parents default 787 00:34:13,440 --> 00:34:15,520 Speaker 2: to treating them like the child that they were when 788 00:34:15,560 --> 00:34:19,120 Speaker 2: they were twelve. Next is, you may be saving money, 789 00:34:19,200 --> 00:34:21,080 Speaker 2: but you pay with your mental health. 790 00:34:21,719 --> 00:34:24,640 Speaker 4: Fair fair, point sure fair. 791 00:34:25,000 --> 00:34:27,640 Speaker 2: Someone said I'd either suck it up or suggest that 792 00:34:27,680 --> 00:34:31,120 Speaker 2: we move in with my parents. Obviously a good suggestion 793 00:34:31,280 --> 00:34:34,160 Speaker 2: if it's available to you, but maybe they're not in 794 00:34:34,160 --> 00:34:36,959 Speaker 2: the circumstance where they can take you on. Someone said 795 00:34:37,160 --> 00:34:39,080 Speaker 2: I would just want to know if the savings actually 796 00:34:39,080 --> 00:34:41,520 Speaker 2: outweighs the cost of a beauty space, which is exactly 797 00:34:41,560 --> 00:34:44,439 Speaker 2: what I said. Yes, someone said, you need to really 798 00:34:44,440 --> 00:34:46,880 Speaker 2: see it as an opportunity rather than a burden. What 799 00:34:47,000 --> 00:34:49,239 Speaker 2: a good time to get to know them? And establish 800 00:34:49,239 --> 00:34:53,080 Speaker 2: a great relationship. That's cute that you could be really bonding. 801 00:34:53,239 --> 00:34:56,000 Speaker 2: That reframe is really nice. I know you don't know 802 00:34:56,080 --> 00:34:59,040 Speaker 2: them well, but maybe it's an opportunity to get to 803 00:34:59,080 --> 00:34:59,600 Speaker 2: know them well. 804 00:34:59,719 --> 00:35:00,920 Speaker 4: Yeah, that's so true. 805 00:35:01,280 --> 00:35:04,279 Speaker 2: Someone said, set yourselves a time frame for how long 806 00:35:04,280 --> 00:35:06,440 Speaker 2: you're actually going to live there, and try to stick 807 00:35:06,480 --> 00:35:09,240 Speaker 2: to it, and then make sure that you're reassessing every 808 00:35:09,280 --> 00:35:13,280 Speaker 2: six months. Someone said, one thing is your parents, another 809 00:35:13,360 --> 00:35:18,080 Speaker 2: thing is your in laws. Yeah, your relationship. 810 00:35:18,080 --> 00:35:20,879 Speaker 6: I guess some people love their in laws and some people. 811 00:35:20,760 --> 00:35:23,680 Speaker 2: Can't stand them. Yeah, exactly so, and that's fine and 812 00:35:23,719 --> 00:35:27,120 Speaker 2: that's fair to take into consideration. Someone said, we did it. 813 00:35:27,200 --> 00:35:29,520 Speaker 2: We knew our timeline was really firm, we wanted to 814 00:35:29,560 --> 00:35:33,919 Speaker 2: spend three months with them, and clarified our financial expectations beforehand. 815 00:35:34,360 --> 00:35:39,000 Speaker 2: It worked perfectly. How good's that? Someone said, I'd use 816 00:35:39,040 --> 00:35:42,319 Speaker 2: the beautician workspace rental issue as leverage to not have 817 00:35:42,360 --> 00:35:46,400 Speaker 2: to do this. Someone said, my own parents versus in 818 00:35:46,480 --> 00:35:49,160 Speaker 2: laws can be totally different when it comes to dynamic. 819 00:35:49,680 --> 00:35:52,160 Speaker 2: Same for moving as a couple versus if you were 820 00:35:52,200 --> 00:35:55,920 Speaker 2: moving home as a singleton. Which is so true, right, Like, 821 00:35:56,200 --> 00:35:57,719 Speaker 2: I feel like it'd be so easy to move back 822 00:35:57,760 --> 00:36:00,480 Speaker 2: in with my parents. If it was just me managing 823 00:36:00,760 --> 00:36:03,880 Speaker 2: a relationship and my parents and trying to keep everybody happy, 824 00:36:04,040 --> 00:36:06,200 Speaker 2: I don't know if that would be the same. Yeah, 825 00:36:06,840 --> 00:36:09,160 Speaker 2: so lots of people have said lots of different things. 826 00:36:09,480 --> 00:36:11,279 Speaker 2: Some people have said, yes, it's the best thing ever, 827 00:36:11,320 --> 00:36:12,560 Speaker 2: But then I have a comment in front of me 828 00:36:12,560 --> 00:36:14,319 Speaker 2: that says, don't do it for the sake of your 829 00:36:14,360 --> 00:36:17,960 Speaker 2: relationship and your sanity. So I honestly think this is 830 00:36:18,080 --> 00:36:20,560 Speaker 2: so much more about what's going to work for you, 831 00:36:20,840 --> 00:36:23,120 Speaker 2: Like what does your journey look like? What are you 832 00:36:23,160 --> 00:36:25,680 Speaker 2: willing to compromise, Because a lot of us are willing 833 00:36:25,680 --> 00:36:28,480 Speaker 2: to compromise a little bit, A lot of us are 834 00:36:28,480 --> 00:36:30,839 Speaker 2: willing to compromise a lot. But it's not the same 835 00:36:30,840 --> 00:36:34,040 Speaker 2: for everybody, agreed. But I think that's all we've got, 836 00:36:34,120 --> 00:36:36,520 Speaker 2: my friends. I think we're wrapping for the week. I 837 00:36:36,560 --> 00:36:38,480 Speaker 2: feel like you and I Jess need to go talk 838 00:36:38,520 --> 00:36:41,439 Speaker 2: more about Taylor Swift, try to find out costumes, talk 839 00:36:41,440 --> 00:36:44,279 Speaker 2: about bracelets, like we've just got a heap to do. Beck, 840 00:36:44,680 --> 00:36:46,399 Speaker 2: I mean, you can go back to work, but Jess 841 00:36:46,440 --> 00:36:48,920 Speaker 2: and I are working from home. 842 00:36:49,160 --> 00:36:52,360 Speaker 4: Of course, I might respectfully bow out of that conversation. 843 00:36:52,520 --> 00:36:56,439 Speaker 2: Hey, sorry, sorry, you're too cool. Sorry we will tell 844 00:36:56,440 --> 00:36:57,560 Speaker 2: you all about it next week. 845 00:36:57,640 --> 00:36:58,960 Speaker 4: Oh my goodness, I can't wait. 846 00:36:59,200 --> 00:37:10,120 Speaker 2: See and Swifty's bye. Hy. The advice shared on She's 847 00:37:10,160 --> 00:37:12,400 Speaker 2: on the Money is general in nature and does not 848 00:37:12,560 --> 00:37:16,800 Speaker 2: consider your individual circumstances. She's on the Money exists purely 849 00:37:16,840 --> 00:37:19,759 Speaker 2: for educational purposes and should not be relied upon to 850 00:37:19,800 --> 00:37:23,160 Speaker 2: make an investment or financial decision. If you do choose 851 00:37:23,160 --> 00:37:26,120 Speaker 2: to buy a financial product, read the PDS TMD and 852 00:37:26,200 --> 00:37:30,800 Speaker 2: obtain appropriate financial advice tailored towards your needs. Victoria Divine 853 00:37:30,840 --> 00:37:34,200 Speaker 2: and She's on the Money are authorized representatives of Money. 854 00:37:34,200 --> 00:37:38,160 Speaker 2: Sheper Pty Ltd ABN three two one IS six four 855 00:37:38,239 --> 00:37:42,120 Speaker 2: nine two seven seven zero eight AFSL four five one 856 00:37:42,320 --> 00:37:45,280 Speaker 2: two eight nine