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 Kernye 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 --> 00:00:54,040 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,720 --> 00:01:01,000 Speaker 2: Hello, and welcome to She's on the Money, the podcast 13 00:01:01,040 --> 00:01:04,800 Speaker 2: for millennials who want financial freedom. Welcome back to another 14 00:01:04,800 --> 00:01:07,679 Speaker 2: one of our money diaries where I get the absolute 15 00:01:07,720 --> 00:01:09,640 Speaker 2: privilege of sitting down with one of our She's on 16 00:01:09,680 --> 00:01:13,360 Speaker 2: the Money community members to talk all about their money story. 17 00:01:13,760 --> 00:01:16,080 Speaker 2: Let's jump straight in because this week I got a 18 00:01:16,120 --> 00:01:20,319 Speaker 2: message and it sounded exactly like this. Hi, Victoria. We 19 00:01:20,440 --> 00:01:23,520 Speaker 2: burned through all our savings after my partner got suddenly 20 00:01:23,560 --> 00:01:26,760 Speaker 2: ill and couldn't go to work for three months. Now 21 00:01:26,800 --> 00:01:30,400 Speaker 2: we're working to build it all back up again, money diarist. 22 00:01:30,959 --> 00:01:33,560 Speaker 2: I feel like this is going to be an unfortunately 23 00:01:33,720 --> 00:01:36,560 Speaker 2: very relatable money diary for a lot of people in 24 00:01:36,600 --> 00:01:39,360 Speaker 2: our community. First things first, how are you? 25 00:01:40,000 --> 00:01:40,680 Speaker 4: I'm pretty good. 26 00:01:40,760 --> 00:01:44,480 Speaker 2: You're very excited to be Oh really, I'm excited to you. 27 00:01:44,520 --> 00:01:47,319 Speaker 2: Money dirests so literally my favorite thing in the entire universe. 28 00:01:47,360 --> 00:01:50,040 Speaker 2: So getting to record them every week is my favorite. 29 00:01:50,840 --> 00:01:53,640 Speaker 2: Let's start things as I always do. I want to 30 00:01:53,680 --> 00:01:55,800 Speaker 2: know if I asked you to grade your money habits 31 00:01:55,800 --> 00:01:58,320 Speaker 2: from A through to F, what grade would you give them? 32 00:01:58,480 --> 00:01:59,560 Speaker 4: I'd give myself a B. 33 00:02:00,080 --> 00:02:02,840 Speaker 2: Like that? All right, now my favorite question, can you 34 00:02:02,880 --> 00:02:05,760 Speaker 2: tell me a little bit more about your money story? 35 00:02:06,280 --> 00:02:09,800 Speaker 5: So like, basically I grew up pretty well, Like my 36 00:02:09,840 --> 00:02:11,639 Speaker 5: parents worked really hard and we always had like a 37 00:02:11,680 --> 00:02:14,840 Speaker 5: stable house, and you know, we never went without anything. 38 00:02:15,400 --> 00:02:18,079 Speaker 5: And then the moment I turned sixty, my mom was like, Okay, 39 00:02:18,320 --> 00:02:20,239 Speaker 5: you're old enough to get a job. Go get a job. 40 00:02:20,440 --> 00:02:22,280 Speaker 5: If you want anything, you've got to earn it. And 41 00:02:22,360 --> 00:02:25,560 Speaker 5: so like that's basically what started it. Anytime I wanted something, 42 00:02:25,600 --> 00:02:28,320 Speaker 5: I had to say about for it myself. Typically unless 43 00:02:28,320 --> 00:02:29,959 Speaker 5: it was like something kind of expensive, then Mom would 44 00:02:29,960 --> 00:02:30,239 Speaker 5: help me. 45 00:02:30,360 --> 00:02:32,360 Speaker 4: M went to Union, I met my partner. 46 00:02:32,639 --> 00:02:33,680 Speaker 2: Oh you met at Uni? 47 00:02:33,960 --> 00:02:34,200 Speaker 1: Yeah? 48 00:02:34,440 --> 00:02:36,320 Speaker 5: I love this first year of beauty. I was like, 49 00:02:36,360 --> 00:02:37,760 Speaker 5: I mean I have such a crazy year. And then 50 00:02:37,800 --> 00:02:38,760 Speaker 5: immediately got a boyfriend. 51 00:02:38,760 --> 00:02:40,079 Speaker 4: I was like, ohops, yeah. 52 00:02:39,960 --> 00:02:42,000 Speaker 2: That sounds exactly like me. I like got out of 53 00:02:42,040 --> 00:02:43,799 Speaker 2: my long term relationship and I'm like, I'm going to 54 00:02:43,840 --> 00:02:46,079 Speaker 2: be a single gal go on it in to date 55 00:02:46,120 --> 00:02:48,040 Speaker 2: with my husband Steve and I'm like, Hi, do you 56 00:02:48,080 --> 00:02:49,160 Speaker 2: want to get married? 57 00:02:50,680 --> 00:02:52,200 Speaker 4: Sounds like right, yeah. 58 00:02:52,240 --> 00:02:54,840 Speaker 5: And he had a very different mindset to me. So 59 00:02:54,880 --> 00:02:56,600 Speaker 5: he was very much a spender. 60 00:02:56,680 --> 00:02:58,960 Speaker 4: And he had a very different childhood. 61 00:02:59,040 --> 00:03:02,560 Speaker 5: So his parents said, immigrated to Australia from Vietnam and 62 00:03:02,760 --> 00:03:05,320 Speaker 5: they grew up quite poor and it was a very 63 00:03:05,440 --> 00:03:06,360 Speaker 5: rough childhood. 64 00:03:06,480 --> 00:03:08,919 Speaker 4: They like often went without things. I would go to 65 00:03:08,960 --> 00:03:09,600 Speaker 4: bed hungry. 66 00:03:10,160 --> 00:03:10,360 Speaker 2: You know. 67 00:03:10,400 --> 00:03:14,200 Speaker 5: It was a very tumultuous relationship even into adulthood, and 68 00:03:14,240 --> 00:03:17,760 Speaker 5: it was pretty unstable, and it kind of translated across 69 00:03:17,800 --> 00:03:20,800 Speaker 5: into our relationship where like he was a spender and 70 00:03:20,840 --> 00:03:22,720 Speaker 5: I was a saver, and it ended up causing a 71 00:03:22,760 --> 00:03:25,440 Speaker 5: lot of fights. Yep. And it got to a point 72 00:03:25,480 --> 00:03:27,880 Speaker 5: earlier this year where I said, hey, I've actually given 73 00:03:27,919 --> 00:03:30,360 Speaker 5: you so much opportunity. I've given you so many resources, 74 00:03:30,400 --> 00:03:33,200 Speaker 5: I've spoken to you about this, haven't made any changes. 75 00:03:33,680 --> 00:03:36,960 Speaker 5: This is essentially your final chance do what I And 76 00:03:37,000 --> 00:03:39,119 Speaker 5: then it was kind of like lit a fire under 77 00:03:39,160 --> 00:03:39,960 Speaker 5: his ass. 78 00:03:39,640 --> 00:03:42,640 Speaker 2: And good, how long had you been together at that point? 79 00:03:43,080 --> 00:03:43,840 Speaker 4: This is our fourth year? 80 00:03:43,880 --> 00:03:46,440 Speaker 2: So four years okay, So four years like enough time 81 00:03:46,920 --> 00:03:49,560 Speaker 2: to have settled in. It's not like the first six months, 82 00:03:49,600 --> 00:03:51,440 Speaker 2: because that would be honestly a bit weird. 83 00:03:51,680 --> 00:03:53,440 Speaker 4: Yeah, no, definitely not. It was a long time. 84 00:03:53,960 --> 00:03:55,040 Speaker 5: And then it was also a listened to like a 85 00:03:55,120 --> 00:03:57,160 Speaker 5: money story and was someone that had very similar childhood 86 00:03:57,160 --> 00:03:58,960 Speaker 5: and we're doing really well, and it was kind of like, oh, wait, 87 00:03:59,200 --> 00:03:59,800 Speaker 5: I don't have. 88 00:03:59,760 --> 00:04:02,280 Speaker 4: To to to let what my parents did define me. 89 00:04:02,320 --> 00:04:04,960 Speaker 4: I guess yeah, And so that was really good. 90 00:04:05,040 --> 00:04:07,280 Speaker 5: And then we were doing quite well, and it was 91 00:04:07,320 --> 00:04:10,200 Speaker 5: probably about two months of we were doing so well 92 00:04:10,840 --> 00:04:14,400 Speaker 5: and we're saving so much money, and then we're sitting 93 00:04:14,400 --> 00:04:16,120 Speaker 5: and we're watching the footy at a friend's house and 94 00:04:16,160 --> 00:04:17,840 Speaker 5: he turns to me and he goes, Molly, I can't 95 00:04:17,880 --> 00:04:21,080 Speaker 5: see the scoreboard. And I was like, what, You're fine, 96 00:04:21,240 --> 00:04:23,280 Speaker 5: We're just drinking. You're fine. And it happened for and 97 00:04:23,279 --> 00:04:25,320 Speaker 5: it'd been fine and it had gone away and whatever, 98 00:04:25,720 --> 00:04:27,120 Speaker 5: and we were up in the morning. He's like, Nah, 99 00:04:27,240 --> 00:04:28,440 Speaker 5: I need to get someone to look at it. So 100 00:04:28,440 --> 00:04:30,479 Speaker 5: we went and saw a NU pometrist. Yeah, and he 101 00:04:30,560 --> 00:04:32,880 Speaker 5: was like, you need to go the Irony emergency, Like 102 00:04:33,040 --> 00:04:36,760 Speaker 5: right now, I'm sending a referral. And he spent a 103 00:04:36,800 --> 00:04:39,960 Speaker 5: few days going back and forth and seeing like every specialist. 104 00:04:40,920 --> 00:04:41,120 Speaker 4: You know. 105 00:04:41,160 --> 00:04:43,360 Speaker 5: At the start, we were quite reckless and we're kind 106 00:04:43,360 --> 00:04:45,440 Speaker 5: of like buried her head to the stand. We're like, oh, 107 00:04:45,640 --> 00:04:48,680 Speaker 5: spending way too much money basically, and he couldn't go 108 00:04:48,720 --> 00:04:50,080 Speaker 5: back to work for three months. 109 00:04:50,960 --> 00:04:51,640 Speaker 2: Wow. 110 00:04:51,760 --> 00:04:53,720 Speaker 4: And we ended up surviving off of our savings. 111 00:04:53,839 --> 00:04:57,080 Speaker 2: I'm so glad you had them, very very luckily. 112 00:04:57,520 --> 00:05:00,560 Speaker 5: It was like a message from the universe almost be like, here, 113 00:05:00,680 --> 00:05:01,840 Speaker 5: let's drive this lesson home. 114 00:05:02,680 --> 00:05:04,920 Speaker 2: Yeah, we're really going to teach you to take financial 115 00:05:05,000 --> 00:05:08,479 Speaker 2: security seriously. When she said shape up or ship out, 116 00:05:08,520 --> 00:05:11,720 Speaker 2: she really meant to take it seriously. I mean, the 117 00:05:11,800 --> 00:05:14,160 Speaker 2: universe had your back in a really weird way. 118 00:05:14,560 --> 00:05:18,320 Speaker 5: Yeah, And it ended up being three months that he 119 00:05:18,480 --> 00:05:19,320 Speaker 5: was out of work. 120 00:05:19,800 --> 00:05:23,480 Speaker 4: Kind of lucky. We had the tax return come through, which. 121 00:05:23,360 --> 00:05:26,200 Speaker 5: Both of us had to put towards our cars, like 122 00:05:26,240 --> 00:05:28,599 Speaker 5: someone stole his license plate two weeks into this happening. 123 00:05:28,880 --> 00:05:29,720 Speaker 2: It was like the hair. 124 00:05:29,839 --> 00:05:30,920 Speaker 4: Yeah, it was kind of crazy. 125 00:05:30,960 --> 00:05:32,000 Speaker 5: So and then we had to do like all the 126 00:05:32,040 --> 00:05:35,440 Speaker 5: registration fees and yeah, wow at service, I can't get 127 00:05:35,480 --> 00:05:37,599 Speaker 5: you tied. So both all our tax turn went to that, 128 00:05:37,760 --> 00:05:40,320 Speaker 5: and then we were quite a lucky. We were able 129 00:05:40,320 --> 00:05:43,080 Speaker 5: to borrow some money from some of his family members 130 00:05:43,120 --> 00:05:46,640 Speaker 5: who were doing better, and he had the tool and 131 00:05:46,680 --> 00:05:49,440 Speaker 5: come through because he's an apprentice, so that helps us. 132 00:05:49,920 --> 00:05:52,480 Speaker 5: And then kind of got to the third month and 133 00:05:52,560 --> 00:05:55,080 Speaker 5: we had that month's rent left and then after that 134 00:05:55,120 --> 00:05:59,320 Speaker 5: we had nothing left, and we were lucky. 135 00:05:59,400 --> 00:06:01,240 Speaker 4: He was able to go back to work. Yes, I'm 136 00:06:01,320 --> 00:06:03,640 Speaker 4: so glad had kind of returned. 137 00:06:03,720 --> 00:06:06,120 Speaker 5: So when it started, it was more so like a 138 00:06:06,160 --> 00:06:09,719 Speaker 5: gray circle and a bit of peripheral vision in one eye, 139 00:06:09,839 --> 00:06:12,479 Speaker 5: and then now it's kind of back to he can see, 140 00:06:12,520 --> 00:06:14,440 Speaker 5: but it's extremely blurry out of that one eye. 141 00:06:14,600 --> 00:06:16,920 Speaker 2: So is there a diagnosis? Like what is this? 142 00:06:17,320 --> 00:06:20,480 Speaker 5: So they've narrowed it down to two things, but they 143 00:06:20,520 --> 00:06:23,880 Speaker 5: can't diagnose them, so he's being treated for both of them. 144 00:06:23,960 --> 00:06:26,440 Speaker 5: So the first one was he's like a latent carrier 145 00:06:26,480 --> 00:06:29,560 Speaker 5: for tuberculosis. Yeah, crazy, and they think that it could 146 00:06:29,560 --> 00:06:33,200 Speaker 5: have become activated in his eye, but you can't treat it. 147 00:06:33,200 --> 00:06:36,279 Speaker 5: So he's on speculous medications for four months, which is 148 00:06:36,600 --> 00:06:40,080 Speaker 5: powerful and really damages your livery and everything like that. Wow, 149 00:06:40,200 --> 00:06:43,359 Speaker 5: it's like a really rare autoimmune disorder that's common in 150 00:06:43,760 --> 00:06:48,320 Speaker 5: people of Asian descent, but they can't really diagnose that 151 00:06:48,360 --> 00:06:49,840 Speaker 5: either because most of them carry that. 152 00:06:49,800 --> 00:06:52,680 Speaker 4: Sort of gene. Yeah, okay, they can't prove whether it's 153 00:06:52,720 --> 00:06:53,760 Speaker 4: become activated or not. 154 00:06:54,200 --> 00:06:56,120 Speaker 2: Yes, So you've got to hit it from both sides 155 00:06:56,160 --> 00:06:58,120 Speaker 2: because like it might be the TV or it might 156 00:06:58,160 --> 00:07:00,520 Speaker 2: be this autoimmune disorder. Oh my gosh. 157 00:07:00,600 --> 00:07:02,560 Speaker 5: Yeah, So he's been on like that as well as 158 00:07:02,880 --> 00:07:04,880 Speaker 5: mean like suppressants and like some. 159 00:07:04,800 --> 00:07:06,160 Speaker 4: Really powerful medications. 160 00:07:06,960 --> 00:07:08,920 Speaker 5: But it's most likely the ordom you disordered, because he's 161 00:07:08,960 --> 00:07:10,680 Speaker 5: got a lot of the symptoms for it. 162 00:07:10,880 --> 00:07:12,679 Speaker 4: Yeah, okay, And like when this is all. 163 00:07:12,480 --> 00:07:17,080 Speaker 5: Happening, we'd applied for cimlin and you know, for emergency payments, 164 00:07:17,160 --> 00:07:19,600 Speaker 5: and he'd gone back to work before we'd even heard anything. 165 00:07:20,280 --> 00:07:22,960 Speaker 5: And it was kind of really stressful because around them. 166 00:07:22,960 --> 00:07:26,440 Speaker 5: At the same time, we found out that our lease 167 00:07:26,640 --> 00:07:29,280 Speaker 5: price is going up two hundred dollars when so like, 168 00:07:29,320 --> 00:07:29,840 Speaker 5: we're gonna have to. 169 00:07:29,840 --> 00:07:31,760 Speaker 2: Read the universe is like trying to teach you something, 170 00:07:31,800 --> 00:07:33,240 Speaker 2: and I'm really not sure what it is. 171 00:07:33,400 --> 00:07:35,000 Speaker 4: I don't know whether it hates us or not. 172 00:07:35,040 --> 00:07:38,080 Speaker 2: No, like the universe doesn't hate us. It's trying to 173 00:07:38,120 --> 00:07:41,200 Speaker 2: teach us something in a really weird way. 174 00:07:41,160 --> 00:07:42,120 Speaker 4: Really harsh way. 175 00:07:42,360 --> 00:07:45,360 Speaker 5: So we're having a move and it's like, you know, 176 00:07:45,440 --> 00:07:47,640 Speaker 5: we don't really have the savings to move, so we're 177 00:07:47,640 --> 00:07:49,280 Speaker 5: going to have to move in with his little brother, 178 00:07:49,320 --> 00:07:51,480 Speaker 5: which is going to be tough, but you know, it 179 00:07:51,480 --> 00:07:54,240 Speaker 5: will save some money. We did the settlink and then 180 00:07:54,640 --> 00:07:56,880 Speaker 5: if after like thirteen weeks and they don't give you 181 00:07:56,920 --> 00:07:58,560 Speaker 5: a response, you can call them and complain. 182 00:07:58,680 --> 00:08:02,400 Speaker 2: Like, but that's so long, that's like a quarter of 183 00:08:02,440 --> 00:08:02,800 Speaker 2: the year. 184 00:08:03,040 --> 00:08:04,400 Speaker 4: Yeah, it's been ridiculous. 185 00:08:04,560 --> 00:08:06,679 Speaker 5: Oh and like he tried to go in and speak 186 00:08:06,680 --> 00:08:08,680 Speaker 5: to They're like, you need to make an appointment, and 187 00:08:08,720 --> 00:08:10,320 Speaker 5: they're like, oh, okay, So he tried to call to 188 00:08:10,360 --> 00:08:11,520 Speaker 5: make an appointment and then. 189 00:08:11,640 --> 00:08:15,040 Speaker 4: He was blocked from calling. What Yeah, if you call 190 00:08:15,120 --> 00:08:16,560 Speaker 4: too many times, sendely blocks. 191 00:08:16,320 --> 00:08:20,239 Speaker 2: You excuse me, sentling, It's like your problem, I'm calling 192 00:08:20,280 --> 00:08:23,680 Speaker 2: because you're the issue. That's a toxic X. 193 00:08:24,080 --> 00:08:27,360 Speaker 4: I know it's ridiculous. Oh, it was doing my head. 194 00:08:27,240 --> 00:08:31,080 Speaker 2: In Next time, get this, just call them off blocked numbers. 195 00:08:31,200 --> 00:08:33,760 Speaker 2: I'm never giving Center Link my number again. 196 00:08:33,960 --> 00:08:35,960 Speaker 5: Like it does that, but you have to put in 197 00:08:36,000 --> 00:08:38,679 Speaker 5: your crn Oh no, it picks up and they're like, oh, 198 00:08:38,720 --> 00:08:40,600 Speaker 5: you can't call, you need to go in, and it's like, 199 00:08:40,640 --> 00:08:42,040 Speaker 5: you can't go in unless you're make an appointment. 200 00:08:42,040 --> 00:08:43,439 Speaker 4: You can't make an appointment without calling. 201 00:08:45,040 --> 00:08:48,080 Speaker 2: They're rigged it. They know, they know what they're doing. 202 00:08:48,320 --> 00:08:49,280 Speaker 4: Oh it's messed up. 203 00:08:49,440 --> 00:08:52,439 Speaker 2: No wonder there's always so many people loitering outside centilling 204 00:08:52,480 --> 00:08:53,960 Speaker 2: because no one knows how to get in or get 205 00:08:54,000 --> 00:08:54,280 Speaker 2: an all. 206 00:08:54,400 --> 00:08:58,360 Speaker 5: Yeah's angry, but we're kind of grateful because I like 207 00:08:58,440 --> 00:09:00,880 Speaker 5: when Swift putting this complaint. A few days later, we've 208 00:09:00,880 --> 00:09:03,760 Speaker 5: been approved. So we've got to get study pay of. 209 00:09:03,720 --> 00:09:06,439 Speaker 4: Four thy eight hundred dollars, which is basically so much 210 00:09:06,480 --> 00:09:10,200 Speaker 4: pressure off ry. So it's like amazing, Like probably better 211 00:09:10,200 --> 00:09:10,560 Speaker 4: we got. 212 00:09:10,480 --> 00:09:13,319 Speaker 5: It after rather than dream because we probably wouldn't have 213 00:09:13,400 --> 00:09:14,920 Speaker 5: had all that to put into savings. 214 00:09:15,240 --> 00:09:17,200 Speaker 2: See, the pressure has been taken off a little bit. 215 00:09:17,720 --> 00:09:20,000 Speaker 5: A lot, and we're still saving as much as we 216 00:09:20,080 --> 00:09:22,400 Speaker 5: could really, so like he's been putting most of his 217 00:09:22,480 --> 00:09:24,280 Speaker 5: paycheck away while we can. 218 00:09:24,440 --> 00:09:27,280 Speaker 2: So yeah, oh my gosh, how stress how are you 219 00:09:27,640 --> 00:09:28,199 Speaker 2: in all of this? 220 00:09:29,040 --> 00:09:31,719 Speaker 5: I was having a meltdown, Like I was so freaked out. 221 00:09:31,720 --> 00:09:33,480 Speaker 5: I was so stressed, Like I was like. 222 00:09:33,960 --> 00:09:35,800 Speaker 4: When it first happened, I was like crying at work 223 00:09:35,840 --> 00:09:36,520 Speaker 4: because I had to go. 224 00:09:36,480 --> 00:09:38,280 Speaker 2: Into work and of course we need the money. 225 00:09:38,520 --> 00:09:40,880 Speaker 5: And I was like crying at work and it was 226 00:09:40,960 --> 00:09:44,280 Speaker 5: just so ridiculously insane and. 227 00:09:45,600 --> 00:09:47,600 Speaker 4: Just all of like when you went back to work, I. 228 00:09:47,720 --> 00:09:51,480 Speaker 5: Literally nearly fellow because I was so relieved, Like and 229 00:09:51,559 --> 00:09:53,320 Speaker 5: same thing with the center link. I was like, which 230 00:09:53,400 --> 00:09:55,360 Speaker 5: just feels like so much weight it's been taken off. 231 00:09:55,400 --> 00:09:57,559 Speaker 5: Like it was so stressful. 232 00:09:57,720 --> 00:10:00,240 Speaker 4: And then like when I'm stressed, you get like flare ups. 233 00:10:00,720 --> 00:10:05,199 Speaker 2: Yeah wow, And like are you dealing better with that now? 234 00:10:05,760 --> 00:10:09,520 Speaker 4: Yeah? I'm always stressed, but like a lot better than 235 00:10:09,520 --> 00:10:10,120 Speaker 4: what I was. 236 00:10:10,200 --> 00:10:13,960 Speaker 2: I don't want to be that friend, but like maybe 237 00:10:14,000 --> 00:10:14,920 Speaker 2: we need some therapy. 238 00:10:15,960 --> 00:10:17,480 Speaker 4: Yeah probably. 239 00:10:17,640 --> 00:10:20,000 Speaker 5: I did used to get it, but I stopped going 240 00:10:20,040 --> 00:10:21,360 Speaker 5: because it's fenny. 241 00:10:21,600 --> 00:10:24,560 Speaker 2: It's so expensive, right, and that's like a kick in 242 00:10:24,600 --> 00:10:26,280 Speaker 2: the gut. So I don't want to be your doctor here, 243 00:10:26,280 --> 00:10:28,120 Speaker 2: but like go talk to your doctor about getting a 244 00:10:28,160 --> 00:10:31,280 Speaker 2: mental health care plan and talking to somebody who is 245 00:10:31,320 --> 00:10:33,760 Speaker 2: like a third party, because it is stressful, right like, 246 00:10:34,360 --> 00:10:38,520 Speaker 2: regardless of what your partner like has or is going through, 247 00:10:39,280 --> 00:10:41,960 Speaker 2: Like that's such a burden on you, and like your 248 00:10:42,000 --> 00:10:45,080 Speaker 2: partner doesn't like want that. No one wants that, right like, 249 00:10:45,120 --> 00:10:46,520 Speaker 2: And you don't feel like it's a burden because of 250 00:10:46,600 --> 00:10:48,160 Speaker 2: course you're going to do that for your partner, Like 251 00:10:48,160 --> 00:10:50,280 Speaker 2: i'd been here the backwards if my husband was sick 252 00:10:50,400 --> 00:10:53,240 Speaker 2: like a thousand percent, but like, sometimes you need a 253 00:10:53,280 --> 00:10:55,840 Speaker 2: third party who's not your family and not your friends, 254 00:10:56,360 --> 00:10:58,680 Speaker 2: who honestly, like you know, i'd sit down and be 255 00:10:58,679 --> 00:11:00,800 Speaker 2: like money Diarist, you're amazing, like of course, of course, 256 00:11:00,800 --> 00:11:02,080 Speaker 2: and you're gonna be like, of course you're gonna say 257 00:11:02,120 --> 00:11:04,400 Speaker 2: that you're my best friend. Like you need a third 258 00:11:04,440 --> 00:11:07,120 Speaker 2: party to sometimes talk things through. So you go, oh, 259 00:11:07,160 --> 00:11:09,160 Speaker 2: that makes sense as to why I was, you know, 260 00:11:09,640 --> 00:11:12,880 Speaker 2: crying at work and so stressed. And it's something that 261 00:11:12,960 --> 00:11:14,959 Speaker 2: I think if you knock it on the head now, 262 00:11:15,559 --> 00:11:18,800 Speaker 2: it's not gonna linger later. And I think that that's 263 00:11:18,800 --> 00:11:21,319 Speaker 2: a good thing because like we can carry stress, so deeply, 264 00:11:21,800 --> 00:11:24,560 Speaker 2: and it sounds like that's something we need to talk about. 265 00:11:24,559 --> 00:11:25,080 Speaker 2: My friend. 266 00:11:25,840 --> 00:11:27,040 Speaker 4: Always I try to. 267 00:11:27,800 --> 00:11:30,520 Speaker 2: I appreciate it, all right. You mentioned crying at work, 268 00:11:30,559 --> 00:11:32,760 Speaker 2: which sucks. I'm so sorry that's the case. But tell 269 00:11:32,760 --> 00:11:34,440 Speaker 2: me about work. What do you do for work and 270 00:11:34,520 --> 00:11:36,280 Speaker 2: how much money do you earn? 271 00:11:36,720 --> 00:11:39,199 Speaker 4: So I'm actually a full time student. I study pharmacy. 272 00:11:39,679 --> 00:11:43,240 Speaker 2: Oh, very cool, she's going to be a richie. 273 00:11:43,760 --> 00:11:46,720 Speaker 5: And I work in a pharmacy part time and I 274 00:11:46,880 --> 00:11:49,000 Speaker 5: end thirty three thousand dollars a year. 275 00:11:49,360 --> 00:11:51,840 Speaker 2: Hey, that's pretty good for part time as a student. 276 00:11:52,160 --> 00:11:54,360 Speaker 5: I do like twenty hours a week, but I pick 277 00:11:54,440 --> 00:11:56,040 Speaker 5: up heaps of shifts. 278 00:11:56,080 --> 00:11:58,560 Speaker 2: So cool. Tell me a bit more about pharmacy. 279 00:11:59,040 --> 00:12:00,520 Speaker 4: Oh, it's so fun. I love it. 280 00:12:00,559 --> 00:12:02,839 Speaker 5: Like I work in a community and a pharmacy, and 281 00:12:03,160 --> 00:12:05,880 Speaker 5: I have really great co workers and we're in a 282 00:12:05,920 --> 00:12:06,960 Speaker 5: really good area. 283 00:12:07,600 --> 00:12:09,599 Speaker 4: And like it is hard, like we do cople a 284 00:12:09,600 --> 00:12:13,679 Speaker 4: lot of abuse, no why people like the But then 285 00:12:13,720 --> 00:12:14,960 Speaker 4: like we have customers like buns. 286 00:12:15,000 --> 00:12:16,959 Speaker 5: I was getting abused, and then one of our regular 287 00:12:17,000 --> 00:12:18,920 Speaker 5: sority came and there's like, here's a bock of chocolate 288 00:12:18,960 --> 00:12:19,520 Speaker 5: for you guys. 289 00:12:19,800 --> 00:12:21,560 Speaker 4: Oh my god, this is why I love this place. 290 00:12:21,800 --> 00:12:25,760 Speaker 4: Like this run's mostly sweet, but you just get the cycles. 291 00:12:25,840 --> 00:12:28,720 Speaker 2: Yeah, there's always going to be like some bad eggs. 292 00:12:28,760 --> 00:12:30,920 Speaker 2: How much longer have you got for study? 293 00:12:31,280 --> 00:12:31,840 Speaker 4: Three weeks? 294 00:12:32,280 --> 00:12:33,680 Speaker 2: No, you don't. I know. 295 00:12:33,760 --> 00:12:34,839 Speaker 4: I'm so excited. 296 00:12:34,960 --> 00:12:37,360 Speaker 5: And then I do like my internship, which I'll do 297 00:12:37,360 --> 00:12:39,080 Speaker 5: at the place I work, and they'll be full time, 298 00:12:39,240 --> 00:12:40,319 Speaker 5: so I'm so excited to do. 299 00:12:41,520 --> 00:12:43,600 Speaker 2: Yeah, so you're going to be like a full blown 300 00:12:43,600 --> 00:12:47,280 Speaker 2: pharmacistic like three weeks kind but like you do your internship, 301 00:12:47,280 --> 00:12:48,920 Speaker 2: but like you don't have to study anymore. 302 00:12:49,200 --> 00:12:50,920 Speaker 4: Yeah, well, I know, I just start next year. 303 00:12:50,960 --> 00:12:52,920 Speaker 5: I've still have all my final exams next year, so 304 00:12:53,040 --> 00:12:55,960 Speaker 5: I kind of have a year, but you need three weeks. 305 00:12:56,120 --> 00:12:58,360 Speaker 2: Yeah, that's so exciting. So what do you get paid 306 00:12:58,559 --> 00:13:01,079 Speaker 2: doing your internship if it's now full time hours? 307 00:13:01,080 --> 00:13:03,320 Speaker 5: I think it's like twenty five to twenty seven dollars 308 00:13:03,320 --> 00:13:05,760 Speaker 5: an hour, so probably around eight hundred dollars a week 309 00:13:05,800 --> 00:13:07,040 Speaker 5: after tax I think roughly. 310 00:13:07,360 --> 00:13:10,160 Speaker 2: Yeah, I'm so glad that you're getting paid for an internship. 311 00:13:10,240 --> 00:13:13,959 Speaker 2: That's a grape that I have. But also congratulations, that's 312 00:13:14,000 --> 00:13:16,440 Speaker 2: a hard slog to have gone through everything you've just 313 00:13:16,480 --> 00:13:19,040 Speaker 2: gone through and then also be three weeks off like, 314 00:13:19,440 --> 00:13:22,080 Speaker 2: my friend, you're not going to know financial security like 315 00:13:22,200 --> 00:13:25,160 Speaker 2: you have that foury eight hundred in savings. I'm just 316 00:13:25,240 --> 00:13:27,520 Speaker 2: so excited for what the future looks like. I still 317 00:13:27,520 --> 00:13:29,160 Speaker 2: don't know what the universe is trying to teach you, 318 00:13:29,480 --> 00:13:31,520 Speaker 2: but it's definitely taught you and your partner to be 319 00:13:31,559 --> 00:13:32,280 Speaker 2: really good savers. 320 00:13:32,360 --> 00:13:35,760 Speaker 5: Yeah, one hundred percent. It's like very good. We can 321 00:13:35,800 --> 00:13:37,080 Speaker 5: live on peanuts essentially. 322 00:13:37,679 --> 00:13:39,520 Speaker 2: So tell me a little bit about your partner and 323 00:13:39,559 --> 00:13:41,439 Speaker 2: his job. What does he do and how much money 324 00:13:41,440 --> 00:13:42,040 Speaker 2: does he earn? 325 00:13:42,240 --> 00:13:45,800 Speaker 5: So he's a carpentry prentice and he's all about eight 326 00:13:45,880 --> 00:13:47,080 Speaker 5: hundred and fifty dollars a week. 327 00:13:47,160 --> 00:13:48,520 Speaker 4: I think, don't actually know. 328 00:13:49,280 --> 00:13:52,000 Speaker 2: That's okay, I feel like that. I don't know. You're 329 00:13:52,040 --> 00:13:55,960 Speaker 2: set up for a very comfy financial life in the future. 330 00:13:56,559 --> 00:13:59,280 Speaker 2: What does pharmacy look like full time? Once you become 331 00:13:59,440 --> 00:14:04,240 Speaker 2: a fully qualified, fully study finished pharmacist. 332 00:14:04,160 --> 00:14:07,400 Speaker 4: So starting raiders about thirty five dollars an hour. 333 00:14:07,800 --> 00:14:11,480 Speaker 2: But you sort of have to batterle negotiate. 334 00:14:11,600 --> 00:14:13,120 Speaker 4: That's what negotiate your wage. 335 00:14:13,200 --> 00:14:16,880 Speaker 5: So it depends on how good I'm negotiating for myself. 336 00:14:17,320 --> 00:14:20,280 Speaker 2: Oh well, I've got your back. So the answer is brilliant. 337 00:14:20,440 --> 00:14:24,000 Speaker 2: You're going to be brilliant and negotiating your wage. I 338 00:14:24,040 --> 00:14:26,520 Speaker 2: love it. I feel like you are on the right track. 339 00:14:26,800 --> 00:14:29,440 Speaker 2: That's very exciting. Tell me about your big money goals. 340 00:14:29,440 --> 00:14:31,040 Speaker 2: What are we currently working towards? 341 00:14:31,400 --> 00:14:35,520 Speaker 5: So, right now moving house, but after that, it's saving 342 00:14:35,560 --> 00:14:37,800 Speaker 5: to buy a house. That's like the most important thing 343 00:14:37,880 --> 00:14:39,400 Speaker 5: right now for me. I'm sick of renting. 344 00:14:39,880 --> 00:14:42,840 Speaker 2: That's so fair. Tell me about moving. How much is 345 00:14:42,880 --> 00:14:45,280 Speaker 2: that going to cost? Are you moving far? What does 346 00:14:45,280 --> 00:14:45,800 Speaker 2: it look like? 347 00:14:46,200 --> 00:14:48,880 Speaker 5: Look, we're not really sure, Like we're trying to move 348 00:14:48,920 --> 00:14:52,040 Speaker 5: sort of around this area. Max are thirty minutes away 349 00:14:52,040 --> 00:14:55,680 Speaker 5: from my work. Yeah, and the places we're looking at 350 00:14:55,680 --> 00:14:56,880 Speaker 5: will probably be like. 351 00:14:57,000 --> 00:14:59,120 Speaker 4: Two thousand dollars per calendar month roughly. 352 00:14:59,720 --> 00:15:02,200 Speaker 5: Move will be expensive because we've got to pay for 353 00:15:02,240 --> 00:15:07,160 Speaker 5: like professional clean, flea bomb, all that sort of stuff. Yeah, 354 00:15:07,240 --> 00:15:09,320 Speaker 5: I reckon we need at least five thousand dollars to 355 00:15:09,360 --> 00:15:12,960 Speaker 5: move and to still have a little bit of something 356 00:15:13,000 --> 00:15:13,880 Speaker 5: in the background. 357 00:15:14,400 --> 00:15:18,360 Speaker 2: Yeah, fair, it's so expensive. Have you started getting like 358 00:15:18,520 --> 00:15:21,080 Speaker 2: removalist quotes and stuff like that or are you going 359 00:15:21,160 --> 00:15:23,000 Speaker 2: to like do it differently? 360 00:15:23,760 --> 00:15:26,640 Speaker 5: So we move November sixteenth. So I've been trying to 361 00:15:26,760 --> 00:15:29,040 Speaker 5: organize inspections. But it's kind of a nightmare right now 362 00:15:29,080 --> 00:15:32,360 Speaker 5: doing that. Social finals coming up, but I haven't looked 363 00:15:32,360 --> 00:15:33,560 Speaker 5: at quotes or anything like that. 364 00:15:33,800 --> 00:15:34,880 Speaker 4: Normally we move. 365 00:15:34,720 --> 00:15:36,800 Speaker 5: The little stuff by ourself and then like we just 366 00:15:36,840 --> 00:15:38,480 Speaker 5: get someone for a big Can. 367 00:15:38,360 --> 00:15:39,800 Speaker 2: I give you a tip of what I did? And 368 00:15:39,840 --> 00:15:41,800 Speaker 2: I didn't realize how cheap it would be. I don't 369 00:15:41,800 --> 00:15:43,680 Speaker 2: know if this is going to be for everybody, but 370 00:15:43,760 --> 00:15:47,680 Speaker 2: we recently moved and I didn't want to pay for removalists, 371 00:15:47,720 --> 00:15:49,880 Speaker 2: Like it just wasn't happening. I was like absolutely not 372 00:15:49,960 --> 00:15:52,080 Speaker 2: got the quotes, and I was like, that's disgusting. I 373 00:15:52,080 --> 00:15:54,080 Speaker 2: don't care if I can afford it or not not 374 00:15:54,080 --> 00:15:57,680 Speaker 2: paying it. Taxi box like this is not a sponsored 375 00:15:57,760 --> 00:16:01,120 Speaker 2: mention for anyone wondering, But it's like this company where 376 00:16:01,160 --> 00:16:04,360 Speaker 2: they take a box of your stuff, like they drop 377 00:16:04,480 --> 00:16:07,880 Speaker 2: basically a half shipping container in your driveway or like 378 00:16:07,960 --> 00:16:09,600 Speaker 2: out the front of your house. You fill it up, 379 00:16:09,920 --> 00:16:12,080 Speaker 2: they take it away and deliver it back to a 380 00:16:12,120 --> 00:16:15,120 Speaker 2: location that you want it to be delivered to. And 381 00:16:15,200 --> 00:16:16,960 Speaker 2: like I think it cost me less than like eight 382 00:16:17,040 --> 00:16:19,720 Speaker 2: hundred bucks or something, and we got to fit in 383 00:16:19,800 --> 00:16:22,600 Speaker 2: like our washing machine and our dryer and our like 384 00:16:22,680 --> 00:16:25,400 Speaker 2: big appliances and our fridge and our mattress and our 385 00:16:25,400 --> 00:16:27,520 Speaker 2: bed and all of the stuff that definitely didn't fit 386 00:16:27,560 --> 00:16:30,120 Speaker 2: in the car, and then we moved everything else in 387 00:16:30,160 --> 00:16:32,960 Speaker 2: the car, and like it's not gonna work for everybody, 388 00:16:33,200 --> 00:16:34,680 Speaker 2: But like I called them and I was like, hey, 389 00:16:34,840 --> 00:16:36,640 Speaker 2: like can I kind of use this as a moving 390 00:16:36,680 --> 00:16:38,760 Speaker 2: service And they were like yeah, Like I guess like 391 00:16:39,040 --> 00:16:41,040 Speaker 2: there might be like a day in between picking it 392 00:16:41,120 --> 00:16:42,920 Speaker 2: up and dropping it off because of their system, But 393 00:16:43,000 --> 00:16:44,760 Speaker 2: I was like, you can keep all my stuff for 394 00:16:44,760 --> 00:16:46,680 Speaker 2: a whole day for it to be much cheaper, so 395 00:16:46,760 --> 00:16:47,640 Speaker 2: maybe that'll work. 396 00:16:47,760 --> 00:16:50,120 Speaker 5: But we did alas was air Tasker that was like 397 00:16:50,520 --> 00:16:52,560 Speaker 5: really cheap and they were really nice. 398 00:16:52,640 --> 00:16:55,040 Speaker 4: I really like air task I think it was three 399 00:16:55,120 --> 00:16:56,120 Speaker 4: four hundred dollars for that. 400 00:16:56,400 --> 00:16:58,800 Speaker 2: Yeah, see that's a money we in. But like lots 401 00:16:58,800 --> 00:17:01,760 Speaker 2: of options to look into that don't necessarily involve you 402 00:17:01,840 --> 00:17:05,560 Speaker 2: hiring a fully qualified mover. Not those guys are so spano. 403 00:17:05,760 --> 00:17:07,600 Speaker 2: Like I'm not saying that they're not worth it, but 404 00:17:07,800 --> 00:17:10,760 Speaker 2: like when you already have a million costs, like it's 405 00:17:10,800 --> 00:17:12,520 Speaker 2: just another cost that you're like, I don't know if 406 00:17:12,600 --> 00:17:13,520 Speaker 2: I can afford. 407 00:17:13,280 --> 00:17:15,840 Speaker 4: This yeah, it's very responsive. 408 00:17:16,080 --> 00:17:18,760 Speaker 2: Oh my gosh. All right, well, I'm really glad that 409 00:17:18,880 --> 00:17:20,920 Speaker 2: you're in that circumstance and I know you can afford 410 00:17:20,960 --> 00:17:22,600 Speaker 2: it this time. Let's go to a really quick break 411 00:17:22,600 --> 00:17:24,280 Speaker 2: and on the flip side, I want to talk about 412 00:17:24,600 --> 00:17:27,280 Speaker 2: investments and debt and your best money habits and your 413 00:17:27,280 --> 00:17:30,200 Speaker 2: worst money habits, because I'm pretty sure after everything you've 414 00:17:30,200 --> 00:17:32,399 Speaker 2: been through this ar you're probably going to have some 415 00:17:32,440 --> 00:17:34,439 Speaker 2: really good money habits to share with us. So guys, 416 00:17:34,640 --> 00:17:42,399 Speaker 2: don't go anywhere. All right, money diarist, We are back 417 00:17:42,480 --> 00:17:44,280 Speaker 2: and I feel like I've got a lot to learn 418 00:17:44,320 --> 00:17:47,200 Speaker 2: from you. But let's start. Do you have any investments? 419 00:17:47,240 --> 00:17:49,840 Speaker 2: If not, why not? If the plan is to get some, 420 00:17:49,960 --> 00:17:51,879 Speaker 2: what are they and how will that work? 421 00:17:52,240 --> 00:17:56,760 Speaker 4: So I do. I've got my super which is sixteen thousand. 422 00:17:56,359 --> 00:17:57,720 Speaker 2: Dollars how much? 423 00:17:57,800 --> 00:18:00,000 Speaker 4: Sorry, sixteen thousand sixteen. 424 00:18:00,280 --> 00:18:02,000 Speaker 2: That's really good for your age and the fact that 425 00:18:02,040 --> 00:18:02,760 Speaker 2: you're studying. 426 00:18:03,160 --> 00:18:05,840 Speaker 5: Yeah, I've worked full time for a while and I 427 00:18:05,880 --> 00:18:09,040 Speaker 5: haven't stopped working for a really long time. And then 428 00:18:09,160 --> 00:18:13,000 Speaker 5: also I have one thy five hundred in spaceship. 429 00:18:13,119 --> 00:18:14,200 Speaker 4: But I want to take it out. 430 00:18:14,560 --> 00:18:15,800 Speaker 2: Why do you want to take it out? 431 00:18:16,000 --> 00:18:17,640 Speaker 5: I want to put into a Vanguard because I feel 432 00:18:17,640 --> 00:18:22,000 Speaker 5: like it would be more suited for me, and also 433 00:18:22,119 --> 00:18:23,720 Speaker 5: kind of like it's the stuff that happened earlier this 434 00:18:23,800 --> 00:18:26,760 Speaker 5: year where they got banned from having people go in there, 435 00:18:26,840 --> 00:18:29,520 Speaker 5: and then I was just kind of like, nah, it 436 00:18:29,600 --> 00:18:30,439 Speaker 5: kind of put me off them. 437 00:18:30,480 --> 00:18:32,720 Speaker 4: I got the ick, but it's down, so I don't 438 00:18:32,720 --> 00:18:33,920 Speaker 4: want to take it out while it's down. 439 00:18:34,359 --> 00:18:37,560 Speaker 2: Yeah, I wouldn't recommend selling any investment while it's down. 440 00:18:37,640 --> 00:18:39,080 Speaker 2: I don't know if you saw I did a whole 441 00:18:39,160 --> 00:18:42,560 Speaker 2: video on what was happening with Spaceship. Yes, not because 442 00:18:42,560 --> 00:18:45,160 Speaker 2: it was a bad asset class, so don't get too stressed, 443 00:18:45,160 --> 00:18:49,080 Speaker 2: but it was actually around ASSEK cracking down on their marketing. 444 00:18:49,200 --> 00:18:52,080 Speaker 2: So basically they were saying that this product was suitable 445 00:18:52,560 --> 00:18:55,720 Speaker 2: for a demographic that it potentially wasn't suitable for, and 446 00:18:55,800 --> 00:18:58,040 Speaker 2: ASCIK will like, until you fix your marketing and can 447 00:18:58,080 --> 00:19:00,919 Speaker 2: be clear on who your product is for what it does, 448 00:19:01,560 --> 00:19:03,439 Speaker 2: you can't have any new clients, and I feel like 449 00:19:03,760 --> 00:19:07,639 Speaker 2: that's scary. Nonetheless, but to me having that, I guess 450 00:19:07,800 --> 00:19:11,280 Speaker 2: nuance makes me feel so much more comfortable because I go, okay, well, 451 00:19:11,320 --> 00:19:13,760 Speaker 2: at least it's not because it was a bad investment, 452 00:19:14,000 --> 00:19:16,439 Speaker 2: like or it was terrible, but I totally get it, 453 00:19:16,480 --> 00:19:19,040 Speaker 2: and like it sounds like you're kind of I don't know, 454 00:19:19,200 --> 00:19:22,600 Speaker 2: is the word glowing up financially? Like going from a 455 00:19:22,640 --> 00:19:25,760 Speaker 2: micro investing platform to Vanguard kind of makes sense if 456 00:19:25,760 --> 00:19:28,520 Speaker 2: you're going to start really taking investing seriously and you're 457 00:19:28,520 --> 00:19:31,480 Speaker 2: going to your first full time income Like that makes sense. 458 00:19:31,600 --> 00:19:34,639 Speaker 2: I like it. So tell me a little bit more 459 00:19:34,920 --> 00:19:37,800 Speaker 2: about debt. Did you end up going into debt for 460 00:19:37,840 --> 00:19:40,840 Speaker 2: any of this? Do you carry any debt? What's your hex? 461 00:19:40,960 --> 00:19:42,800 Speaker 2: Look like? Tell me all the pervy deets. 462 00:19:43,119 --> 00:19:46,520 Speaker 5: So I just have my HEX which is forty thousand 463 00:19:46,520 --> 00:19:48,720 Speaker 5: dollars but no other debts. 464 00:19:49,119 --> 00:19:53,600 Speaker 2: Forty K for pharmacy. That's pretty good, yeah, I think so. Yeah, 465 00:19:53,720 --> 00:19:56,600 Speaker 2: are you planning on doing anything more in the future 466 00:19:56,600 --> 00:19:58,719 Speaker 2: when it comes to study or you're like no, no, no, 467 00:19:58,840 --> 00:20:01,600 Speaker 2: being a pharmacist fiel End or like I'm there. 468 00:20:02,119 --> 00:20:05,720 Speaker 5: So I'll probably do not studying with UNI, but I'll 469 00:20:05,760 --> 00:20:08,879 Speaker 5: do a course for compounding and probably going to like 470 00:20:08,960 --> 00:20:11,479 Speaker 5: home medication review pharmacy, which is another course that you do. 471 00:20:11,560 --> 00:20:13,240 Speaker 4: It's through the Pharmacy Guild. 472 00:20:13,680 --> 00:20:16,600 Speaker 2: Yeah, what does that mean for your income? Because I 473 00:20:16,640 --> 00:20:20,560 Speaker 2: have been not well recently. I've had the worst perioral 474 00:20:20,600 --> 00:20:22,960 Speaker 2: dermatitis in the entire world, and I have had to 475 00:20:23,000 --> 00:20:26,399 Speaker 2: be going to compounding pharmacies to get all of my 476 00:20:26,680 --> 00:20:30,600 Speaker 2: like creams and stuff mixed up. And like it's crazy 477 00:20:30,760 --> 00:20:33,040 Speaker 2: one how expensive they are, but like that's niche. You're 478 00:20:33,040 --> 00:20:33,880 Speaker 2: going to get paid more. 479 00:20:34,240 --> 00:20:36,199 Speaker 5: Yeah you do, so actually work in a compound, and 480 00:20:36,200 --> 00:20:37,439 Speaker 5: do I get the same thing as. 481 00:20:37,359 --> 00:20:39,359 Speaker 4: What you do the perioral don't get pregnant. 482 00:20:39,400 --> 00:20:41,680 Speaker 2: If you get pregnant, it gets six million times worse. 483 00:20:41,720 --> 00:20:43,400 Speaker 2: I will send you a photo of what my face 484 00:20:43,440 --> 00:20:45,520 Speaker 2: looked like when I was eight weeks pregnant, and you'll 485 00:20:45,560 --> 00:20:47,680 Speaker 2: be like, did you get burnt in a fire? 486 00:20:47,840 --> 00:20:49,679 Speaker 4: Yep, you's just seen last year. I was like covered 487 00:20:49,720 --> 00:20:52,240 Speaker 4: in it all over my face. It was crazy stress. 488 00:20:52,320 --> 00:20:53,800 Speaker 2: I'm not surprised, my friend. 489 00:20:55,040 --> 00:20:57,840 Speaker 5: But yeah, with compounding, you can get paid more because 490 00:20:57,840 --> 00:21:00,359 Speaker 5: you've got more skills. Less people can do it. 491 00:21:00,440 --> 00:21:03,400 Speaker 4: So farmacists don't get paid by the PBS at all. 492 00:21:04,080 --> 00:21:06,880 Speaker 5: Wild I know, crazy, Like not even for the vaccinations, 493 00:21:06,920 --> 00:21:09,240 Speaker 5: Like if you do vaccinations, it goes to the pharmacy owner. 494 00:21:09,680 --> 00:21:10,200 Speaker 2: No, it does. 495 00:21:10,280 --> 00:21:12,119 Speaker 5: It's up to the pharmacy owner to decide whether they 496 00:21:12,200 --> 00:21:17,840 Speaker 5: give you bonuses for it. No spicy, it's BS A 497 00:21:17,840 --> 00:21:20,840 Speaker 5: lot of the stuff that pharmacists do, it's wage based 498 00:21:20,920 --> 00:21:22,960 Speaker 5: rather than like something like that doctors not do, where 499 00:21:22,960 --> 00:21:23,560 Speaker 5: they get it. 500 00:21:23,760 --> 00:21:28,240 Speaker 4: Paid straight from PBS into the accounts as well like extras. Wow, 501 00:21:28,800 --> 00:21:31,160 Speaker 4: if you do like the home medications reviews. So that's 502 00:21:31,200 --> 00:21:32,200 Speaker 4: why you. 503 00:21:32,040 --> 00:21:35,080 Speaker 5: Actually will get your own provide a number finally, and 504 00:21:35,119 --> 00:21:39,280 Speaker 5: then you can get reimbursed by the PBS and get 505 00:21:39,400 --> 00:21:40,280 Speaker 5: extra money for. 506 00:21:40,359 --> 00:21:41,440 Speaker 4: That on top of it. 507 00:21:41,600 --> 00:21:42,240 Speaker 2: Oh cool. 508 00:21:42,560 --> 00:21:43,960 Speaker 5: I can't remember off the top of my head how 509 00:21:44,040 --> 00:21:46,600 Speaker 5: much it is, but it is significant amount. 510 00:21:46,760 --> 00:21:49,879 Speaker 2: Yeah, how cool? Oh my gosh. And is that something 511 00:21:49,920 --> 00:21:52,280 Speaker 2: that you also have to negotiate or is that something 512 00:21:52,280 --> 00:21:54,280 Speaker 2: where it's kind of like you do this and then 513 00:21:54,320 --> 00:21:57,040 Speaker 2: it's just a given that that's the I guess payment structure. 514 00:21:57,119 --> 00:21:58,680 Speaker 4: Yeah, so just the payment structure. 515 00:21:59,040 --> 00:22:02,280 Speaker 2: How fun. I feel like that would be really really interesting. 516 00:22:03,119 --> 00:22:05,439 Speaker 2: All right. I want to know next, As we said before, 517 00:22:05,680 --> 00:22:08,960 Speaker 2: like you have absolutely been through the wars financially over 518 00:22:09,000 --> 00:22:12,560 Speaker 2: the last few months. So I have a sneaky suspicion 519 00:22:12,560 --> 00:22:14,399 Speaker 2: that you're probably gonna have some really good money habits 520 00:22:14,400 --> 00:22:16,440 Speaker 2: to share with us. What do you think is your best. 521 00:22:16,680 --> 00:22:18,760 Speaker 5: Well, I think I'm like super determined, Like once I 522 00:22:18,760 --> 00:22:21,439 Speaker 5: set my mind, I'm really good at getting it. And 523 00:22:21,480 --> 00:22:24,040 Speaker 5: then I'm always looking for like a way to like 524 00:22:24,160 --> 00:22:27,600 Speaker 5: save money, so like everything I buy from my clothes 525 00:22:27,640 --> 00:22:30,560 Speaker 5: to like furnish out, it's like marketplace or like always 526 00:22:30,600 --> 00:22:32,640 Speaker 5: on clearance, like absolute final sales. 527 00:22:33,280 --> 00:22:34,160 Speaker 4: And then like what I. 528 00:22:34,080 --> 00:22:36,320 Speaker 5: Was doing for a while was like I would get 529 00:22:36,680 --> 00:22:38,440 Speaker 5: you know, like the food box of calor Fresh and. 530 00:22:38,400 --> 00:22:40,840 Speaker 2: Like oh yeah, yeah, yeah, yeah, I'm obsessed with Marley Spoon. 531 00:22:41,000 --> 00:22:43,320 Speaker 2: You obviously don't follow me. I make my husband cook 532 00:22:43,320 --> 00:22:44,200 Speaker 2: it for me most weeks. 533 00:22:44,359 --> 00:22:45,800 Speaker 4: Yeah, that's how I feeld Mally's Friehinded. 534 00:22:45,920 --> 00:22:47,520 Speaker 2: Ah, yeah, I love that. 535 00:22:48,160 --> 00:22:52,040 Speaker 5: But I would do like the huge discounts, and I 536 00:22:52,240 --> 00:22:54,720 Speaker 5: just do that cancel or switch them because the moment 537 00:22:54,800 --> 00:22:56,080 Speaker 5: you cancels switch are like off. 538 00:22:55,960 --> 00:22:57,880 Speaker 2: Of you more one hundred percent. I've got a couple 539 00:22:57,880 --> 00:23:00,960 Speaker 2: of friends who do that. Like I'm committed to mar honestly, 540 00:23:01,680 --> 00:23:03,560 Speaker 2: not just because I have a partnership with them, but 541 00:23:03,600 --> 00:23:05,840 Speaker 2: because I just like the food better. Like I'm a 542 00:23:05,880 --> 00:23:08,639 Speaker 2: picky eater at best, and I feel like some of 543 00:23:08,680 --> 00:23:11,399 Speaker 2: the other food boxes are more like not bad like 544 00:23:11,480 --> 00:23:13,080 Speaker 2: all of the stuff in them is good, but like 545 00:23:13,200 --> 00:23:15,040 Speaker 2: Hollow Fresh, for example, is more like a meat and 546 00:23:15,040 --> 00:23:17,280 Speaker 2: three veg kind of vibe, and like, I'm not a 547 00:23:17,320 --> 00:23:20,119 Speaker 2: meeting three veged kind of gal. I want my like 548 00:23:20,760 --> 00:23:24,000 Speaker 2: crusted tofu, you know, so like Marley is my vibe. 549 00:23:24,080 --> 00:23:25,919 Speaker 2: But that is okay. But I've got a couple of 550 00:23:25,920 --> 00:23:27,760 Speaker 2: girlfriends who like kind of go. I don't know if 551 00:23:27,800 --> 00:23:29,440 Speaker 2: Marley You'll be happy with me saying this that y'llaw 552 00:23:29,440 --> 00:23:32,359 Speaker 2: it's my podcast. They like get Marley Spoon. They do 553 00:23:32,440 --> 00:23:35,000 Speaker 2: the like intro that I give them because obviously I 554 00:23:35,040 --> 00:23:37,240 Speaker 2: get a good discount. He's like two hundred and twenty 555 00:23:37,240 --> 00:23:39,360 Speaker 2: five dollars off or something, so that's a money win. 556 00:23:39,480 --> 00:23:41,480 Speaker 2: And then when they're done with that, they go to Hollowfresh, 557 00:23:41,520 --> 00:23:43,200 Speaker 2: and they're done with that, they go to Dinnery, and 558 00:23:43,240 --> 00:23:44,960 Speaker 2: then when they're done with that, they go somewhere else. 559 00:23:45,000 --> 00:23:47,879 Speaker 2: And I'm just like geniuses, Like you must be saving 560 00:23:48,040 --> 00:23:50,879 Speaker 2: so much. It's like credit card point hacking, Like I 561 00:23:50,920 --> 00:23:52,960 Speaker 2: wish I could do it. I just don't have the 562 00:23:53,000 --> 00:23:54,439 Speaker 2: brain capacity. 563 00:23:54,840 --> 00:23:57,000 Speaker 5: But the one thing I'm doing is because it kind 564 00:23:57,000 --> 00:23:58,960 Speaker 5: of got sick of doing the food boxes because it 565 00:23:59,040 --> 00:24:00,840 Speaker 5: was kind of like the same ver shoables over and over. 566 00:24:00,960 --> 00:24:03,040 Speaker 4: So right now we've got like a fruit and box 567 00:24:03,080 --> 00:24:06,000 Speaker 4: delivery and it's like once they get rejected by like. 568 00:24:06,000 --> 00:24:07,919 Speaker 2: Supermarkets, ooh what's it called. 569 00:24:08,080 --> 00:24:10,480 Speaker 4: It's cool good and fugly good and fugly. 570 00:24:10,520 --> 00:24:11,840 Speaker 2: Oh my gosh, I love that bread. 571 00:24:11,920 --> 00:24:13,440 Speaker 4: Yeah, they're so fun. I love them. 572 00:24:13,480 --> 00:24:15,199 Speaker 5: And we get like eight kilos of fruit and veg 573 00:24:15,440 --> 00:24:17,480 Speaker 5: and it lasts the majority. 574 00:24:17,080 --> 00:24:17,440 Speaker 4: Of the week. 575 00:24:17,680 --> 00:24:19,119 Speaker 2: Eight kilos is so much. 576 00:24:19,200 --> 00:24:22,720 Speaker 4: Yeah, you get how much does it cost you forty dollars. 577 00:24:22,280 --> 00:24:25,040 Speaker 2: Forty bucks for eight kilos of produce? Okay, that's the 578 00:24:25,119 --> 00:24:25,600 Speaker 2: money win. 579 00:24:25,920 --> 00:24:27,760 Speaker 5: It's really good, and you like don't get to really 580 00:24:27,840 --> 00:24:29,320 Speaker 5: choose what you get, so it makes you try different 581 00:24:29,359 --> 00:24:31,920 Speaker 5: things and make things stretch, and like, you know, you've 582 00:24:31,920 --> 00:24:33,679 Speaker 5: got all this stuff, so you've got to use it up. 583 00:24:33,680 --> 00:24:35,439 Speaker 5: So it's like a really big money stay because otherwise 584 00:24:35,440 --> 00:24:37,320 Speaker 5: I spend too much money on takeaway. 585 00:24:37,080 --> 00:24:38,680 Speaker 2: Well one hundred percent. And it kind of makes you 586 00:24:38,720 --> 00:24:41,480 Speaker 2: be a little bit creative and I'm assuming, like if 587 00:24:41,480 --> 00:24:43,600 Speaker 2: a recipe calls for broccoli and they're like, ah, well, 588 00:24:43,600 --> 00:24:45,320 Speaker 2: we haven't sent you brocoli, but we've got this other 589 00:24:45,359 --> 00:24:47,240 Speaker 2: round in vegetable. You're like, yeah, you can go in 590 00:24:47,320 --> 00:24:49,639 Speaker 2: that recipe. She'll be right, that's one hundred percent. 591 00:24:49,760 --> 00:24:51,480 Speaker 5: And like we kind of have to sufflement, like you 592 00:24:51,520 --> 00:24:53,679 Speaker 5: don't always get like onions or like the stuff that 593 00:24:53,680 --> 00:24:54,800 Speaker 5: you want, but that's okay. 594 00:24:54,840 --> 00:24:57,840 Speaker 2: You can pop to the supermarket like people put brown 595 00:24:57,880 --> 00:25:01,879 Speaker 2: onions through self checkout all those mys. So you're always 596 00:25:02,000 --> 00:25:04,159 Speaker 2: looking to save. And I feel like that good and 597 00:25:04,160 --> 00:25:06,679 Speaker 2: fugly They've got a pretty good free shout out on 598 00:25:06,680 --> 00:25:10,320 Speaker 2: the pod. But that sounds really cool, like really cool. 599 00:25:10,480 --> 00:25:13,879 Speaker 2: What is your best money saving tip? I suppose obviously 600 00:25:14,040 --> 00:25:16,880 Speaker 2: this like food box thing that like have you had 601 00:25:16,880 --> 00:25:19,000 Speaker 2: a really big win that you're like, oh, this one's 602 00:25:19,080 --> 00:25:19,840 Speaker 2: real cool. 603 00:25:20,200 --> 00:25:21,919 Speaker 4: I can't look at the money in my paycheck when 604 00:25:21,960 --> 00:25:23,640 Speaker 4: it comes in. I have like all sertain so like. 605 00:25:23,560 --> 00:25:26,760 Speaker 5: At the moment my money comes in, I transfer like 606 00:25:26,840 --> 00:25:29,119 Speaker 5: my rent into a whole different bank account, so we 607 00:25:29,119 --> 00:25:29,679 Speaker 5: can't look at it. 608 00:25:29,680 --> 00:25:31,000 Speaker 4: We don't know what that is. It's the rents and 609 00:25:31,080 --> 00:25:32,879 Speaker 4: moving fun can't cutch it if I don't know what 610 00:25:32,920 --> 00:25:33,800 Speaker 4: it is, I can't see it. 611 00:25:33,880 --> 00:25:36,159 Speaker 5: Yeah, and then like it also like Divvy's up like 612 00:25:36,520 --> 00:25:38,480 Speaker 5: all my savers, so like that's the best thing, because 613 00:25:38,480 --> 00:25:43,480 Speaker 5: otherwise I just tap and I'm like, oh yeah. 614 00:25:42,440 --> 00:25:44,280 Speaker 2: I love it. I feel like lots of people in 615 00:25:44,320 --> 00:25:46,479 Speaker 2: the shees on the money community are obsessed with up 616 00:25:46,520 --> 00:25:48,480 Speaker 2: because you can just like divvy things up into lots 617 00:25:48,480 --> 00:25:51,760 Speaker 2: of different savers without actually opening lots of different bank accounts, 618 00:25:51,840 --> 00:25:55,640 Speaker 2: and that just like makes sense, right, So let's flip 619 00:25:55,680 --> 00:25:58,520 Speaker 2: the narrative, like, you're really good at grocery shopping and 620 00:25:58,560 --> 00:26:00,760 Speaker 2: making things stretch and saving. But what are you not 621 00:26:00,800 --> 00:26:02,840 Speaker 2: so good at? What's your worst money habit? 622 00:26:03,359 --> 00:26:06,919 Speaker 5: I have such a twistable arm, Like if my friend's like, 623 00:26:07,320 --> 00:26:10,720 Speaker 5: let's go out, okay, actually, no please, and I'm. 624 00:26:10,600 --> 00:26:16,359 Speaker 2: Like, okay, you're just social. That's a good personality, tray. 625 00:26:16,640 --> 00:26:18,760 Speaker 5: Oh actually, this is my favorite money hack. You wear 626 00:26:18,800 --> 00:26:21,480 Speaker 5: like cargo pants or like something pockets. You fill up 627 00:26:21,480 --> 00:26:24,040 Speaker 5: the little sachets of vodka and then you take that 628 00:26:24,080 --> 00:26:26,679 Speaker 5: out and then you only buy soft drink except when 629 00:26:26,720 --> 00:26:29,160 Speaker 5: you run out, and then you're like, oh buy more. 630 00:26:29,560 --> 00:26:32,040 Speaker 2: Yep, nope, I love it, you do you boo. I 631 00:26:32,080 --> 00:26:35,080 Speaker 2: feel like the Victoria divine equivalent is I always have 632 00:26:35,160 --> 00:26:37,399 Speaker 2: Musley bars in my handbag because I'm like, I'm not 633 00:26:37,840 --> 00:26:42,080 Speaker 2: buying cheat like snacks because like, snacks are expensive. We're 634 00:26:42,119 --> 00:26:44,119 Speaker 2: gonna have a musli bar before we go to the 635 00:26:44,160 --> 00:26:48,080 Speaker 2: restaurant so that you don't over order. Victoria like keeping 636 00:26:48,160 --> 00:26:51,800 Speaker 2: Uncle Toby's apri cop musley bars in business? Are they 637 00:26:51,840 --> 00:26:54,000 Speaker 2: the best? No? Do they feel me? 638 00:26:54,200 --> 00:26:54,480 Speaker 4: Yes? 639 00:26:54,680 --> 00:26:57,840 Speaker 2: They do the job. So she's got cargo pants for 640 00:26:57,880 --> 00:27:01,560 Speaker 2: her cheeky vodka. She has an arm that's easily able 641 00:27:01,600 --> 00:27:03,680 Speaker 2: to be twisted. Is that because you're super social? Do 642 00:27:03,720 --> 00:27:06,080 Speaker 2: you find that you spend a lot if you're going out? 643 00:27:06,320 --> 00:27:08,720 Speaker 5: Yes, I do spend a lot, and like I'll find, like, 644 00:27:08,880 --> 00:27:12,120 Speaker 5: especially after a few drinks, like I will look at 645 00:27:12,119 --> 00:27:15,440 Speaker 5: my account of like, oh, you know, like fee is 646 00:27:15,480 --> 00:27:17,760 Speaker 5: not really due. I'll just take fifty dollars out of there. 647 00:27:17,800 --> 00:27:19,959 Speaker 5: And it's like if I'm sober and ogul, but if 648 00:27:19,960 --> 00:27:20,760 Speaker 5: I'm drunk. 649 00:27:20,600 --> 00:27:23,320 Speaker 2: Like, oh, she's a different person when she's drunk. She's 650 00:27:23,320 --> 00:27:25,720 Speaker 2: got an alter ego, and her alter ego is very 651 00:27:25,720 --> 00:27:28,520 Speaker 2: good at spending money. No, well, I think that's relatable 652 00:27:29,680 --> 00:27:32,959 Speaker 2: to talk to me about your grade. So we're nearly at 653 00:27:32,960 --> 00:27:34,879 Speaker 2: the end. I feel like you have been through a 654 00:27:35,000 --> 00:27:37,320 Speaker 2: roller coaster of a year. I'm so glad that your 655 00:27:37,359 --> 00:27:39,359 Speaker 2: partner is on the mend and back at work Like 656 00:27:39,400 --> 00:27:42,480 Speaker 2: that makes me feel so happy. I'm so glad that 657 00:27:42,560 --> 00:27:44,959 Speaker 2: centlink back page you. It sounds like you set up 658 00:27:44,960 --> 00:27:46,919 Speaker 2: all of your savers. You know, you're on top of 659 00:27:46,960 --> 00:27:50,400 Speaker 2: your super You're three weeks away from being done with UNI, 660 00:27:50,400 --> 00:27:53,119 Speaker 2: which is like the most exciting thing in the entire world. 661 00:27:53,560 --> 00:27:56,159 Speaker 2: At the start of this episode, you graded yourself at B. 662 00:27:56,840 --> 00:28:00,920 Speaker 2: Do you think that's still where you're sitting at? If so, why? 663 00:28:01,200 --> 00:28:03,120 Speaker 2: But also I want to know what would it take 664 00:28:03,160 --> 00:28:04,080 Speaker 2: to get you to an A. 665 00:28:04,600 --> 00:28:07,399 Speaker 5: Yeah, I do still think it'd be I think I 666 00:28:07,440 --> 00:28:09,280 Speaker 5: still kind of spend a little bit too much then 667 00:28:09,320 --> 00:28:11,240 Speaker 5: I should for what I'm earning now. 668 00:28:11,240 --> 00:28:14,280 Speaker 2: We don't need to buy cat food, remember, Yeah. 669 00:28:14,440 --> 00:28:17,000 Speaker 5: But like I feel like once I'm working full time 670 00:28:17,040 --> 00:28:20,879 Speaker 5: and I can balance that and not like you know, 671 00:28:21,119 --> 00:28:24,520 Speaker 5: lifestyle creep and you know, keep saving more, that's when 672 00:28:24,560 --> 00:28:27,960 Speaker 5: I'll feel better, yeah, and more confident with that. And 673 00:28:28,000 --> 00:28:30,399 Speaker 5: if I feel like I can translate that to the 674 00:28:30,440 --> 00:28:33,600 Speaker 5: full time wage, then I will give myself an A hopefully. 675 00:28:33,760 --> 00:28:36,880 Speaker 2: I love that. From my understanding of what you've just said, 676 00:28:36,880 --> 00:28:41,520 Speaker 2: it's really about feeling confident, not necessarily changing habits too significantly, 677 00:28:41,640 --> 00:28:43,560 Speaker 2: because once you have a full time wage, I promise 678 00:28:43,840 --> 00:28:46,440 Speaker 2: if you keep the habit of your little vodka in 679 00:28:46,480 --> 00:28:49,400 Speaker 2: your cargo pants like you'll be fun. Oh my gosh, money, Doris. 680 00:28:49,560 --> 00:28:52,080 Speaker 2: I have adored having this conversation with you. As I 681 00:28:52,160 --> 00:28:54,160 Speaker 2: said before, I'm so glad that your partner's on the 682 00:28:54,160 --> 00:28:56,280 Speaker 2: mend and everything is on the way up. I'm so 683 00:28:56,360 --> 00:28:59,080 Speaker 2: proud of you and what you've achieved and where you're going. 684 00:28:59,440 --> 00:29:02,920 Speaker 2: But unfort that is all we have time for today. 685 00:29:03,360 --> 00:29:05,320 Speaker 2: So thank you so much for sharing your story and 686 00:29:05,360 --> 00:29:07,920 Speaker 2: being so open and being so vulnerable. I just know 687 00:29:08,000 --> 00:29:10,200 Speaker 2: that so many people are going to learn so much 688 00:29:10,240 --> 00:29:13,120 Speaker 2: from this. I think it's, you know, obviously a very 689 00:29:13,120 --> 00:29:16,480 Speaker 2: good reminder to have a healthy emergency fund, but also 690 00:29:16,560 --> 00:29:19,240 Speaker 2: just knowing that anything at any time can happen and 691 00:29:19,320 --> 00:29:22,520 Speaker 2: kind of derail the plans. So I think you've taught 692 00:29:22,600 --> 00:29:24,920 Speaker 2: a lot to our community, and I'm really grateful for that. 693 00:29:24,960 --> 00:29:27,560 Speaker 4: So thank you, thank you, thank you for having me. 694 00:29:33,680 --> 00:29:36,280 Speaker 2: The advice shared on She's on the Money is generally 695 00:29:36,440 --> 00:29:40,240 Speaker 2: nature and does not consider your individual circumstances. She's on 696 00:29:40,280 --> 00:29:43,800 Speaker 2: the Money exists purely for educational purposes and should not 697 00:29:43,840 --> 00:29:46,840 Speaker 2: be relied upon to make an investment or financial decision. 698 00:29:47,200 --> 00:29:49,640 Speaker 2: If you do choose to buy a financial product, read 699 00:29:49,680 --> 00:29:53,840 Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards 700 00:29:53,840 --> 00:29:57,120 Speaker 2: your needs. Victoria Divine and She's on the Money are 701 00:29:57,200 --> 00:30:01,080 Speaker 2: authorized representatives of Money sp I L t D A 702 00:30:01,200 --> 00:30:04,080 Speaker 2: B N three two one six four nine two seven 703 00:30:04,200 --> 00:30:07,080 Speaker 2: seven zero eight a F S L four five one 704 00:30:07,280 --> 00:30:08,200 Speaker 2: two eight nine