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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to The Money, the podcast for millennials

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Speaker 2: who want financial freedom. Welcome back to another one of

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Speaker 2: our Friday Drinks episodes where we get to celebrate the community,

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Speaker 2: share our money wins and confessions, and have a cheeky

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Speaker 2: little beverage with our friends. Everyone in the audience seems

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Speaker 2: to have a beverage as well, which I think is

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Speaker 2: a ten out of ten. We're going to have a

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Speaker 2: chance to answer today some of our questions from our community.

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Speaker 2: We're going to chat a little bit about my new book.

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Speaker 2: She's On the Money and in the second half of

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Speaker 2: this episode Slash Live show, we are going to be

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Speaker 2: inviting a very special guest, my friend and also she's

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Speaker 2: On the Money community member, Sammy Rose. But before we

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Speaker 2: get there, as always, it is time to catch up

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Speaker 2: on the week that was Miss jessic RICI, how are you?

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Speaker 2: I'm really good. How are you? I'm Aura, I'm very tired.

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Speaker 4: Actually, you know what, It's that default thing of when

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Speaker 4: someone asks you how you are doing, like, oh, yeah,

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Speaker 4: I'm great, when sometimes you're not. And I am very excited,

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Speaker 4: but I am very tired.

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Speaker 2: We actually we did like a full blown meditation slash

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Speaker 2: half nap before we came today. It was like three

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Speaker 2: pm and we had to come to like do set

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Speaker 2: up and pack all of your gorgeous gift bags. And

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Speaker 2: Jess was like, let's go down to the pool. I'm

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Speaker 2: so excited, Like we're staying at this beautiful hotel. We're

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Speaker 2: in Queensland. We don't know what hot weather is, so

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Speaker 2: she wanted to experience it. And I was like laying

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Speaker 2: on the bed waiting for her to change into her swimmers,

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Speaker 2: and when she came out, she said, what are you doing?

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Speaker 2: I was like just having a little power nap and

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Speaker 2: she's like, do you think we should just have an

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Speaker 2: app instead of going to the pool. And I was like, yeah, babe,

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Speaker 2: I did a meditation and you took a nap. Okay,

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Speaker 2: So we put a meditation on. It was meant to

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Speaker 2: be twenty minutes of meditation. It was just like an app.

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Speaker 2: I'm obviously not talented enough to run that myself. And

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Speaker 2: the timer went off to be like, now it's time

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Speaker 2: to get up, and I was like, extend snooze and

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Speaker 2: justs is like, get up. So she goes and has

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Speaker 2: a shower and I'm still in bed when she comes back,

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Speaker 2: and she just wasn't that impressed with me, And I

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Speaker 2: get it. I get it. But I am well rested

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Speaker 2: and very excited for this show. Me too.

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Speaker 4: I feel like we've got to catch up. But something

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Speaker 4: else that's going on a lot, and something that we

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Speaker 4: both love talking about. And we had a few beautiful

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Speaker 4: community members backstage with us earlier and they were also

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Speaker 4: very excited to talk about.

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Speaker 2: It was wedding planning. You're in the thick of that now.

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Speaker 4: And I was going through our dms before and someone

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Speaker 4: actually said, when's the wedding den Blake coming out, and

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Speaker 4: I was like, it's coming, but it's something that we've

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Speaker 4: been having a lot of fun chatting about in the office,

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Speaker 4: and something that we're getting a lot of questions because

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Speaker 4: I guess everybody's getting married, not me, James, hint, hint.

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Speaker 2: But I'm going to tell him they listen to this

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Speaker 2: episode and just this one nothing. I'll just send him

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Speaker 2: the audio snippet. To be honest, it's much easier get

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Speaker 2: the point across, be real direct. But you're in the

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Speaker 2: thick of it right now, VD, how is it all going.

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Speaker 2: There's a reason wedding content hasn't come out yet, and

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Speaker 2: that's because I'm embarrassed of the way I've been marryingingging

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Speaker 2: my budget. It's really bad. Turns out, managing a wedding

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Speaker 2: budget is actually much harder than I had had thought

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Speaker 2: it might be. In my role as a financial advisor,

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Speaker 2: I have helped clients through this process and I'm like, oh,

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Speaker 2: it's fine, just make sure you stick to the budget.

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Speaker 2: When they're like, oh, we're a little bit over on florals,

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Speaker 2: like baby, it's time to get a new quote, like

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Speaker 2: you need to find somebody else, like sticking to the

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Speaker 2: budget's really important. And now I'm picking and I'm like, no,

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Speaker 2: we're not going with any other florist. That it's the

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Speaker 2: only one I want, honey, Like, I don't understand why

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Speaker 2: it's so hard for you to combrand. So yeah, it's

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Speaker 2: going well, thanks for asking.

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Speaker 4: Wedding content will be coming, but we want to get

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Speaker 4: it right. And obviously it turns out planning wedding takes

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Speaker 4: up a lot of time, and he's very busy, and

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Speaker 4: then you actually have to get married, then you actually

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Speaker 4: go on a honeymoon. So probably early twenty twenty threes

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Speaker 4: when that will all be coming out. We have a

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Speaker 4: whole bunch of it planned. But this is the last

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Speaker 4: show of the Torch. We talk a little bit about

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Speaker 4: twenty twenty three in general, because where.

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Speaker 2: We have so much end of the year, if we

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Speaker 2: have so much coming up, and it's not like we

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Speaker 2: didn't do enough this year, but I genuinely feel like

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Speaker 2: we didn't do enough this year, Like we've got so

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Speaker 2: much to go. Obviously we've got a whole bunch of

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Speaker 2: wedding content coming up for the men in the room, Like,

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Speaker 2: you guys are so lucky, and I know you can't

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Speaker 2: wait for your partners to ask for in agement rings. Yeah, yeah,

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Speaker 2: I'm going to be promoting that. But wedding content, what else,

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Speaker 2: jess Have we got We've got I don't know.

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Speaker 4: Our beautiful events coordinator Rochet's here, and I don't know

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Speaker 4: if I'm going to get in trouble. I'm trying to

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Speaker 4: see if I can see her. I can't see any

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Speaker 4: If she's angry, I'm not going to know. But we

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Speaker 4: are planning, the.

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Speaker 2: One running around making sure everyone's doing their job.

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Speaker 4: Yeah, and she's doing a great job of keeping us

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Speaker 4: in lines like hurting cattle. Sometimes we're just really difficult.

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Speaker 4: But we are planning at the moment for International Women's Day.

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Speaker 4: She's very exciting. If you guys remember last year, yeah,

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Speaker 4: we'll no, they did.

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Speaker 2: Because we didn't give them an event last year. Jessica,

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Speaker 2: this is our first time in Brisbane. We didn't even

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Speaker 2: mention that, which is very exciting. If yeah, everyone's like, ah,

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Speaker 2: well I get married, No one collaps I come to Brisbane.

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Speaker 2: Everyone's like whoah, Like all right, get your priorities straight.

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Speaker 4: That You'll be happy to know that Brisbane is looking

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Speaker 4: like it will be on the list. We are so

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Speaker 4: excited to be out here first time, and I mean,

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Speaker 4: if the crowd is anything like it's been so far,

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Speaker 4: I don't see how we can't come.

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Speaker 2: Turn out of ten And it's much better because it's

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Speaker 2: mainly not me talking and international Wednesday. You get actually

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Speaker 2: good guests, Like it's not just podcast content guests. Yeah, Like,

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Speaker 2: but you're not really a guest, are you? Like you

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Speaker 2: are half the show, aren't you?

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Speaker 1: Well?

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Speaker 4: I mean I guess we need get it like that,

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Speaker 4: but no, So there's that coming up. We're planning a

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Speaker 4: lot of really fun podcast content. We're working on bringing

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Speaker 4: back a show as well that a lot of people

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Speaker 4: might remember and love called The Property Playbook, which is

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Speaker 4: very fun.

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Speaker 2: Which to butt in here, Jess is obviously very excited

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Speaker 2: about because she's now the entire host of that show,

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Speaker 2: Like she has her own show. Guys, that's worthy of celebration.

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Speaker 4: Uh, you guys are really nice to me. But yeah,

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Speaker 4: as someone who is literally trying and currently failing to

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Speaker 4: buy a house, I'm very excited. We have some great

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Speaker 4: guests for that season. It is such a good show,

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Speaker 4: and we have i mean not just plug it all,

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Speaker 4: but while I'm here, why not we have a really

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Speaker 4: good Facebook group, we have an Instagram and I know

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Speaker 4: that a lot of people are on kind of the

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Speaker 4: same journey that I am right now. So if you're

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Speaker 4: having a hard time looking for a property, or if

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Speaker 4: you just bought a property, or if you're thinking about

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Speaker 4: buying a property, or.

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Speaker 2: Now you don't even like property at all, but.

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Speaker 4: You like me, that's a good one. Come and join

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Speaker 4: those groups and keep an eye out because that podcast

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Speaker 4: will be coming back and I am super tooper pumped

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Speaker 4: about it.

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Speaker 2: I'm super excited about that second half of the year.

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Speaker 2: I think we're bringing back the Business Bible, but I'm

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Speaker 2: going to make no promises on that because that's not

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Speaker 2: Just's priority. She's like, no, I don't care about that.

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Speaker 2: You work that one out. So that will be back. Obviously,

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Speaker 2: we are probably going to try and push a lot

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Speaker 2: more book content, and when it comes to International Women's Day,

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Speaker 2: I am I'm just excited for that because it's such

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Speaker 2: an engaging event. I know you guys didn't get to

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Speaker 2: enjoy it last year, but to be able to bring

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Speaker 2: it to a new state for us, like I know

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Speaker 2: that we're on a very shiny stage at the moment,

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Speaker 2: so it probably looks like we're a bigger business than

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Speaker 2: we are, but like we are a very small team.

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Speaker 2: Like in the She's on the Money team, there is

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Speaker 2: just five of us because to be honest, that's all

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Speaker 2: like an afford to have on bay Roll at this

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Speaker 2: point in time, and the idea of you know, getting

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Speaker 2: everybody up to Brisbane and doing the events like events

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Speaker 2: are you know, arguably very expensive, but like, I'm so

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Speaker 2: proud of the team to get to a point where

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Speaker 2: we're like, Okay, we're probably going to do Brisbane and

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Speaker 2: there's the possibility of Perth if we can make it

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Speaker 2: all work out like that to me is insane because

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Speaker 2: even doing events a couple of years ago was an

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Speaker 2: absolute pipe dream. And now we get to see all

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Speaker 2: of you. And as much as this podcast recording is

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Speaker 2: so fun, my favorite part is after the recording when

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Speaker 2: we get to all hang out. We're all sharing a

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Speaker 2: drink and I get to potentially sign your books if

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Speaker 2: you want me to sign your books, and all right,

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Speaker 2: we'll girl. I get to sign your books, but I

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Speaker 2: also get to like talk to you about your money

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Speaker 2: wins and confessions, so please come up and tell me them,

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Speaker 2: Like it makes my heart so insanely happy Jess. Should

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Speaker 2: we get into money wins and confessions? Let's do it,

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Speaker 2: and let's do it all right, It's time for our

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Speaker 2: budget direct money Wins and Confessions of the week, Miss

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Speaker 2: Jesse Ricci, what have you got for us?

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Speaker 4: My first win is from Kieran, who said I'd been

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Speaker 4: looking at this fancy Pat McGrath makeup palette at Sephora

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Speaker 4: for a few months and saved up. Then Sephora had

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Speaker 4: a sale, so I got twenty percent off, plus I

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Speaker 4: used the money I had in my shop back account

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Speaker 4: to buy a forty dollars Sephora voutcher, So a two

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Speaker 4: hundred and ten dollars makeup palette came down to one

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Speaker 4: hundred and twenty eight dollars, which was the exact amount

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Speaker 4: that I had in my spledge account. And I feel like,

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Speaker 4: if that's not the universe saying buy the.

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Speaker 2: Palette, I don't know what is the Pat McGrath Palette's

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Speaker 2: like nobody, nobody else is gonna care about at McGrath.

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Speaker 2: Did I say McGrath? I mean that's cute, thank you? Yeah?

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Speaker 2: Are you serious? Pat McGrath is not in our audience?

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Speaker 2: Are you're joking? What you're shitting me? I was like, Bye,

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Speaker 2: they're real expensive. Why are you at the back? What

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Speaker 2: is going on? But they're really good and they're really expensive,

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Speaker 2: so that's actually a money win anyway, someone's excited, not

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Speaker 2: just Pat mcgra alright, moving on. I was like, low key,

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Speaker 2: get get hers. Talk to her sponsorship opportunity right there.

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Speaker 2: If anyone does know, Pat mcgradats right here, Like, just

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Speaker 2: slide on into my DMS. I will accept it inzero

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Speaker 2: point two seconds. All right, I have one, not as

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Speaker 2: exciting as a makeup palette, but I feel like I've

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Speaker 2: picked this one because it was about the Gold Coast.

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Speaker 2: I don't know if anyone goes on holiday to the

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Speaker 2: Gold Coast if you live here, I feel like that's

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Speaker 2: where the tourist. Yeah, but I've got a money win

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Speaker 2: about the Gold Coast anyway. This is from OL friend Melissa.

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Speaker 2: She says, I went on holiday to the Gold Coast

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Speaker 2: and I wanted theme park passes. I checked with my

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Speaker 2: IRAC membership, and instead of paying one hundred and sixty

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Speaker 2: nine dollars per ticket, we got to pay one hundred

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Speaker 2: and forty five dollars per ticket, which meant that she

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Speaker 2: got ice cream and drinks. They're basically in her books

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Speaker 2: for free, which is an absolute money win. She also

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Speaker 2: took packed lunches.

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Speaker 4: Which meant they didn't spend any more than they had

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Speaker 4: originally budgeted. Is everybody ready for me to change your

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Speaker 4: view of Victoria Divine Forever? We obviously, yeah, I know,

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Speaker 4: becore we came up we're obviously so close to the Goldie.

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Speaker 4: I personally haven't been up here since a family holiday

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Speaker 4: like fifteen years ago. And I was still where she's

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Speaker 4: going with this because we were in really close proximity

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Speaker 4: to the theme parks. And I said, oh my gosh,

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Speaker 4: can we go to a theme park? Because that's what

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Speaker 4: you do want to work?

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Speaker 2: Jessica Ricky is a Disney adult, so that comment made

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Speaker 2: a lot of sense. And Victoria said to me, I

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Speaker 2: don't really like theme parks. And I was like, what

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Speaker 2: do you mean? You don't like who?

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Speaker 4: I don't think I've ever in my life met somebody

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Speaker 4: who said they didn't like theme parks.

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Speaker 2: Theme parks suck like they they are. I know we're

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Speaker 2: talking probably to the wrong ground here, but they are

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Speaker 2: full of small children who are screeching, people who don't

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Speaker 2: know how to walk in a straight line, and people

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Speaker 2: who walk insanely slow, overpriced cold chips that are melted,

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Speaker 2: and rides that make me nearly poop my pants. Like

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Speaker 2: I just have no interest in this. Sounds like a

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Speaker 2: great day out to me. I was like a terrible

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Speaker 2: day out. We just sidetracking this for a hot second.

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Speaker 2: We just got back from the US. We went to

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Speaker 2: fin Con, which I was so excited about. The will

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Speaker 2: I think came from the girls I went with, from

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Speaker 2: my millennium money, because no one else in this room

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Speaker 2: is excited about content like that. But I was so

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Speaker 2: excited to go, and I said to Jess, like, let's

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Speaker 2: go to FINCN She's like, one, what is Fincon? Explained it.

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Speaker 2: It's a finance content creators conference, Like so exciting. And

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Speaker 2: Jess is like, oh so we're like you know, let's

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Speaker 2: just budget this properly. So like maybe you go and

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Speaker 2: then if it's good next year, I'll go. Like she

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Speaker 2: was trying to get out of it, and I was like, oh, okay,

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Speaker 2: no worries. Well, Disney World's there. She's like, oh my gosh,

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Speaker 2: I'll look at flights. It's all good. It's all good.

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Speaker 2: I'll come. I'll come. So yeah, like you're through and

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Speaker 2: through theme part person. But I genuinely think of anything worse.

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Speaker 2: And when I have children, I will literally not tell

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Speaker 2: them that theme parks exist. Like they'll be like, oh

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Speaker 2: my god, Disney. I'll be like, yeah, they're just movies

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Speaker 2: like done done, the belief place that doesn't exist. Oh

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Speaker 2: my gosh.

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Speaker 4: Well maybe that's a future money in for you and

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Speaker 4: a life loss for your children.

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Speaker 2: You know what. I hope you're still around because you

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Speaker 2: can take them. Auntie. Jess will be the fun Auntie.

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Speaker 4: Let me tell you my next money win though it

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Speaker 4: comes from Laura, and she said money win. I've been

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Speaker 4: waiting for shot back to have an upsized cash back

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Speaker 4: with the company I'm planning on getting my wedding invitations

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Speaker 4: from more wedding content. You're welcome, she said. So today

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Speaker 4: I was checking and there was an upsized cash back

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Speaker 4: and the website was having a sale. So I got

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Speaker 4: all of my wedding stationary ordered for under one hundred dollars,

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Speaker 4: plus I got ten point five percent cash back.

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Speaker 2: Am I insane? For going one hundred dollars?

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Speaker 4: Seems like a lot of money for letter letters like

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Speaker 4: to invite people. Oh, everyone's like, girl, you've got no idea.

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Speaker 4: I can hear it in the audience. You can tell

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Speaker 4: that I'm not engaged or married.

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Speaker 1: Yeah.

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Speaker 2: No, no, So that was another thing that I didn't

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Speaker 2: budget for properly. I thought stationary was going to be

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Speaker 2: like office works prices, like that's where you get stationary.

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Speaker 2: And I run a business, so I buy stationary. So

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Speaker 2: I clearly know what stationary costs. Right, No, no, no, no,

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Speaker 2: wedding stationary is very expensive. It's why half of my

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Speaker 2: invitations became emails. Yeah. I was like, you can have

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Speaker 2: one thing and one thing only, and it will be

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Speaker 2: the RSVP card, and it'll be in an extra small

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Speaker 2: envelope and we are done, and I will give you

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Speaker 2: a copy if you want it, like I'll print one

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Speaker 2: off my printer. But otherwise, here's this email. See that's

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Speaker 2: how your RSVP to my wedding, right, Like you got

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Speaker 2: saved a date in a mail and you're like, wow,

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Speaker 2: that's a nice email. I thought it was really good

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Speaker 2: guy environmentally friendly. Yeah, exactly, it was for the environment.

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Speaker 2: I have a money when it is from our friend Rachel,

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Speaker 2: and she says, so I've been really trying hard to

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Speaker 2: pay off my buy now, pay later services because I

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Speaker 2: know that they are so detrimental to my future financial freedom.

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Speaker 2: And I'm a bit of an impulse buyer, but I'm

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Speaker 2: really conscious with my spending now. Anyway, I finally paid

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Speaker 2: off a buy now, pay later service with a Big

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Speaker 2: four bank, and as I went to close the account

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Speaker 2: with the contact center, I was advised that I'd actually

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Speaker 2: overpaid by three hundred and six dollars. So my money

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Speaker 2: win was not only did I finally pay it all

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Speaker 2: off and close the account for good, I mistakenly also

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Speaker 2: saved or overpaid three hundred and six dollars, which is

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Speaker 2: now going straight into my savings. I love that. I

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Speaker 2: think that's a good money win.

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Speaker 4: My favorite part is when you said three hundred and

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Speaker 4: six dollars, Like a few people are like, oh, like

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Speaker 4: I really some people are enjoying that one.

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Speaker 2: Girlfriend three hundred bucks, like you're halfway to buying some

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Speaker 2: stationary for a wedding. Like that's a lot of money.

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Speaker 2: That is a lot of money. It has been great

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Speaker 2: celebrating some of your budget Direct money wins. Budget Direct

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Speaker 2: winn of can Stars Insurer of the Year Award twenty

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Speaker 2: twenty two. Budget Direct insurance self.

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Speaker 4: I should put you on the commercial just for that

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Speaker 4: finger gun, because I feel like, if anything's going to

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Speaker 4: sell insurance.

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Speaker 2: Got that on camera, because I'm going to send it

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Speaker 2: to them.

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Speaker 4: We're getting into talking all about the reason that everybody

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Speaker 4: is here, which is investing, which is very fun. If

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Speaker 4: you had said to me that I would be spending

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Speaker 4: a Saturday night in a room full of people to

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Speaker 4: talk about investing a couple of years ago, the response

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Speaker 4: you got from me is something that I can't say

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Speaker 4: on this podcast because we don't swear.

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Speaker 2: No, do you know why we don't swear. It's not

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Speaker 2: because we don't swear in person, because we definitely do.

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Speaker 2: It's actually so that we can rate our podcast as

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Speaker 2: not explicit, which means it'll like ran higher so you

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Speaker 2: can plain in the car with your children and not

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Speaker 2: bite my head off. It's really good. It's really good.

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Speaker 2: But we learned that early on, and now I sound

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Speaker 2: far more articulate than I actually am, and people like, Wow,

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Speaker 2: you're so classy, and I'm like, mmmm, that's my editor.

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Speaker 2: It makes me sound so good.

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Speaker 4: We have a few questions that were asked here, and

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Speaker 4: I know that we're pushing our time so I might

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Speaker 4: just pick the one that I think most people in

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Speaker 4: this room probably can relate to probably at some point

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Speaker 4: have wondered if they've started their investment journey, and that is,

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Speaker 4: once you have started investing, it's a very exciting step.

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Speaker 4: What is the best way to track your progress? Because

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Speaker 4: I know that for me sometimes I look at people,

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Speaker 4: you know, when we talked about money dirists, for example,

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Speaker 4: and I hear people say one of our recent dirests

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Speaker 4: was like, I have two hundred thousand dollars in super

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Speaker 4: and somebody else has a fifty thousand dollar portfolio, and

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Speaker 4: I'm like, my spaceship has some hundreds in it, and

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Speaker 4: that's okay. And it's kind of in the red right now.

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Speaker 4: And it can be hard firstly to track my personal progress,

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Speaker 4: but also I guess comparing where I'm at personally to

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Speaker 4: where people who started before me or after me, or

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Speaker 4: whatever that might look like where they are now.

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Speaker 2: So how do we track that?

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Speaker 4: I guess both ourselves but also from a handy admin

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Speaker 4: point of view as well.

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Speaker 2: So I think you hit the nail on the head

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Speaker 2: accidentally when you said track my pro Like you are

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Speaker 2: tracking your own progress, You're not looking at what your

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Speaker 2: friend did. You're not looking at what you know the

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Speaker 2: guy down the road did, or the influencer that is

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Speaker 2: selling you bitcoin on Instagram is doing. I definitely don't

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Speaker 2: look at them. Yeah, don't look at them. Don't look

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Speaker 2: at our Instagram comments either. I swear someone has a

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Speaker 2: lot of money to be paying those bots to do

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Speaker 2: what they do. Like, if you know them, let me know,

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Speaker 2: because I would love to have that type of promotion

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Speaker 2: for She's on the Money. Can you imagine like every

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Speaker 2: single post someone else did I invested with She's on

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Speaker 2: the Money. Like that would be sick. Anyway, I digress.

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Speaker 2: So it's about tracking your own progress. It's not about

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Speaker 2: tracking somebody else's. I think comparison is absolutely the thief

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Speaker 2: of all joy. But it's about actually setting clear goals

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Speaker 2: and remembering that progress is important, but it's not essential.

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Speaker 2: Sometimes life happens, and it doesn't mean that we have

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Speaker 2: to be at a certain point. And by consistently rechecking

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Speaker 2: with that goal and going does that actually still make

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Speaker 2: sense to me? Like if you were saving for your

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Speaker 2: first home and then you started listening to Shes on

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Speaker 2: the Money in the Property Playbook and you're like, wait,

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Speaker 2: I don't even want to own property, and then you're

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Speaker 2: comparing yourself to that goal in the future, Like that

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Speaker 2: makes no sense because it's no longer aligned to your values.

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Speaker 2: So I think we need to one have really clean,

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Speaker 2: clear goals Jesse. In my first book, how Wanky I

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Speaker 2: Love It. In my first book, I talked about, you know,

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Speaker 2: setting smart goals, and I summarized those down to the

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Speaker 2: SotM goals because smart was just too long for me. Also,

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Speaker 2: it was way more on brand, so we summarized it down.

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Speaker 2: But having trackable, clear, articulated goals that make sense, not

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Speaker 2: just goals that are like, oh, I'd love to save

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Speaker 2: for a house, and then I asked someone what are

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Speaker 2: you doing for that? They're like, oh, I've just got

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Speaker 2: a savings account putting my savings in there. Like how much?

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Speaker 4: When? Where?

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Speaker 2: Why? What's our goal? What's our goal date? How does

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00:19:51,080 --> 00:19:53,440
Speaker 2: that work? How do I help you track that? Progress?

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Speaker 2: I think is really important. But it's also about not

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Speaker 2: just hoping you get to the end. It's about sell

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Speaker 2: reading the small successes and celebrating as we go along,

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Speaker 2: because small progress is progress and it's brilliant and it's beautiful.

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Speaker 2: And I think even if you're not making progress, that

430
00:20:11,840 --> 00:20:14,359
Speaker 2: is progress in itself if you're able to identify it

431
00:20:14,359 --> 00:20:16,480
Speaker 2: and say, all right, like, I'm probably not saving what

432
00:20:16,600 --> 00:20:19,480
Speaker 2: I thought I would. Let's go back to the drawing board.

433
00:20:19,880 --> 00:20:22,439
Speaker 2: Let's redo our budget and our cash flow and actually

434
00:20:22,480 --> 00:20:25,000
Speaker 2: sit down and work out what that means. Because just

435
00:20:25,000 --> 00:20:27,679
Speaker 2: because you're not meeting that goal means you're failing at it.

436
00:20:27,680 --> 00:20:29,680
Speaker 2: It just means there's something else happening that you need

437
00:20:29,720 --> 00:20:31,760
Speaker 2: to identify, and that's cool, we just need to work

438
00:20:31,800 --> 00:20:34,119
Speaker 2: it out. If it means that you're going out a

439
00:20:34,119 --> 00:20:36,480
Speaker 2: little bit too often and blowing your savings, like maybe

440
00:20:36,480 --> 00:20:38,840
Speaker 2: you want to have a chat about maybe pushing that

441
00:20:38,920 --> 00:20:42,080
Speaker 2: goal off because you really enjoy that and didn't prioritize

442
00:20:42,119 --> 00:20:44,280
Speaker 2: it enough at the start. So I think it's really

443
00:20:44,320 --> 00:20:47,639
Speaker 2: about prioritizing you and your values and your goals and

444
00:20:47,760 --> 00:20:51,399
Speaker 2: tracking only based on past you, because if you start

445
00:20:51,400 --> 00:20:53,840
Speaker 2: looking at what everybody else is going to do or

446
00:20:53,960 --> 00:20:55,960
Speaker 2: is doing, you're going to end up in a little

447
00:20:55,960 --> 00:20:57,520
Speaker 2: bit of a pickle. But you're never going to feel

448
00:20:57,560 --> 00:20:59,760
Speaker 2: good about yourself. You're never going to feel good about

449
00:20:59,760 --> 00:21:03,040
Speaker 2: your goals if you're comparing like for like, that sounds

450
00:21:03,040 --> 00:21:03,639
Speaker 2: pretty good to me.

451
00:21:03,800 --> 00:21:05,200
Speaker 5: After that we'll edit up grade.

452
00:21:05,400 --> 00:21:07,919
Speaker 2: Ah, let's go to a break because I think we

453
00:21:08,040 --> 00:21:10,200
Speaker 2: just need to cut me off here. Don't go too

454
00:21:10,240 --> 00:21:13,000
Speaker 2: far and we'll be definitely gravely drink because we're going

455
00:21:13,080 --> 00:21:22,399
Speaker 2: to be having a drink in the second half too. Hello,

456
00:21:22,640 --> 00:21:26,880
Speaker 2: my friends, we are back and I am so excited

457
00:21:26,920 --> 00:21:30,360
Speaker 2: for the Yes. Do you want to introduce who we're

458
00:21:30,359 --> 00:21:32,840
Speaker 2: going to be hanging out with for the remainder of

459
00:21:32,880 --> 00:21:33,400
Speaker 2: the evening?

460
00:21:33,560 --> 00:21:36,439
Speaker 4: Oh my gosh, yes, I feel like we're besties and

461
00:21:36,480 --> 00:21:39,040
Speaker 4: a little fun inside scoop is you might have actually

462
00:21:39,080 --> 00:21:41,520
Speaker 4: heard her on the podcast before without knowing, But tonight

463
00:21:41,600 --> 00:21:45,320
Speaker 4: we have the beautiful Sammy Rose, who is a registered counselor.

464
00:21:45,600 --> 00:21:48,680
Speaker 4: She's a way inclusive personal trainer and a body confidence

465
00:21:48,760 --> 00:21:52,720
Speaker 4: coach from Brisbane. Her main areas of specialty are in binge,

466
00:21:52,720 --> 00:21:56,480
Speaker 4: eating and body image issues, but she also provides general counseling,

467
00:21:56,600 --> 00:22:00,920
Speaker 4: helping her clients manage their stress, their anxiety, navigate life's hurdles,

468
00:22:01,200 --> 00:22:03,919
Speaker 4: aligning more with their values and living a life that

469
00:22:04,080 --> 00:22:05,760
Speaker 4: truly allows them to thrive.

470
00:22:06,280 --> 00:22:09,200
Speaker 2: Let's give a really warm welcome to Sammy Rose.

471
00:22:15,760 --> 00:22:19,760
Speaker 6: Hello, my love, Hi, I'm so excited I've done many podcasts,

472
00:22:19,800 --> 00:22:21,320
Speaker 6: but never whole stage things.

473
00:22:21,440 --> 00:22:23,880
Speaker 2: This is very got your fancy chair. I got kicked

474
00:22:23,920 --> 00:22:27,040
Speaker 2: off the fancy chair so she could have the fantasy chairs.

475
00:22:27,119 --> 00:22:29,200
Speaker 2: I tried to ask for it, but they kept saying no,

476
00:22:29,359 --> 00:22:32,200
Speaker 2: oh now I feel bad. No, that is fine. Thank

477
00:22:32,240 --> 00:22:35,000
Speaker 2: you so much for joining us for our live podcast recording.

478
00:22:35,080 --> 00:22:38,320
Speaker 2: I am so excited. I asked for permission to share

479
00:22:38,400 --> 00:22:43,360
Speaker 2: this backstage because in the very first season, has anybody

480
00:22:43,400 --> 00:22:46,400
Speaker 2: listened to the first season or real just newbies, We've

481
00:22:46,400 --> 00:22:49,040
Speaker 2: listened to the first season. So do we remember the

482
00:22:49,119 --> 00:22:52,720
Speaker 2: money diary about the influencer? Yeah, it was Sammy.

483
00:22:53,280 --> 00:22:55,959
Speaker 6: I was influencer thirty three.

484
00:22:56,720 --> 00:22:59,840
Speaker 2: It was such a good money diary. But you have

485
00:23:00,200 --> 00:23:03,680
Speaker 2: grown and changed and kicked all of these goals since then,

486
00:23:04,160 --> 00:23:06,000
Speaker 2: and we're not only going to ask about that, but

487
00:23:06,000 --> 00:23:08,679
Speaker 2: we're also going to ask about your job, your investing journey,

488
00:23:08,720 --> 00:23:11,359
Speaker 2: and each and every single thing in between that fits

489
00:23:11,400 --> 00:23:13,560
Speaker 2: within the half an hour allocated slot that I have

490
00:23:13,640 --> 00:23:17,680
Speaker 2: been given. We can talk about it after, but let's start.

491
00:23:18,119 --> 00:23:20,560
Speaker 2: I'm very excited to have you. As always, when we

492
00:23:20,600 --> 00:23:22,560
Speaker 2: have a guest on the show, we always ask them,

493
00:23:22,600 --> 00:23:24,119
Speaker 2: do you have a money win or confession you want

494
00:23:24,160 --> 00:23:24,680
Speaker 2: to share.

495
00:23:24,440 --> 00:23:26,960
Speaker 6: With us, I do, and I'm actually really excited to

496
00:23:27,000 --> 00:23:30,199
Speaker 6: tell you this one. So I have been hustling for

497
00:23:30,200 --> 00:23:32,119
Speaker 6: a really long time. I bought a house last year,

498
00:23:32,119 --> 00:23:34,160
Speaker 6: which is a money win in itself, but I've been

499
00:23:34,160 --> 00:23:37,479
Speaker 6: working really hard to get my little emergency fund up

500
00:23:37,520 --> 00:23:39,479
Speaker 6: and going because I've been wanting to invest.

501
00:23:39,520 --> 00:23:41,040
Speaker 5: Would we know the rules, You've got.

502
00:23:40,880 --> 00:23:43,120
Speaker 6: To get your emergency fund in a good place first.

503
00:23:43,520 --> 00:23:49,760
Speaker 6: And I literally hit my goal yesterday. Now yesterday, thanks,

504
00:23:49,960 --> 00:23:52,000
Speaker 6: So I'm stoked. So I'm like, what great timing for

505
00:23:52,040 --> 00:23:54,640
Speaker 6: the book because now I can get my together.

506
00:23:54,359 --> 00:23:55,720
Speaker 5: And I can actually invest.

507
00:23:56,200 --> 00:24:00,800
Speaker 2: That's so exciting yesterday and you saved that, literally share

508
00:24:00,880 --> 00:24:03,520
Speaker 2: on stage. I'm very excited. I feel like that deserves

509
00:24:03,520 --> 00:24:06,320
Speaker 2: another round of applause, because emergency funds are the best.

510
00:24:09,480 --> 00:24:12,919
Speaker 4: Now, Sami, we obviously just read out your very impressive bio,

511
00:24:13,080 --> 00:24:14,920
Speaker 4: but I wanted you to kind of take us all

512
00:24:14,960 --> 00:24:17,600
Speaker 4: through in your own words a little bit more about

513
00:24:17,640 --> 00:24:19,800
Speaker 4: what you do, because, like you said, you've changed and

514
00:24:19,840 --> 00:24:21,800
Speaker 4: grown so much since you were on the podcast, and

515
00:24:21,840 --> 00:24:23,399
Speaker 4: you've been doing some amazing things.

516
00:24:23,440 --> 00:24:24,959
Speaker 2: So tell us all about it.

517
00:24:25,080 --> 00:24:26,680
Speaker 5: Yeah, my business has changed a lot.

518
00:24:26,720 --> 00:24:30,520
Speaker 6: I've been a sole trader since twenty fifteen, so working

519
00:24:30,560 --> 00:24:33,800
Speaker 6: completely for myself, which is crazy to me. I never

520
00:24:33,840 --> 00:24:35,640
Speaker 6: even thought I would be a business owner, let alone

521
00:24:35,680 --> 00:24:36,439
Speaker 6: a successful one.

522
00:24:36,520 --> 00:24:38,200
Speaker 5: Kind of doing my own thing for so long.

523
00:24:38,560 --> 00:24:42,119
Speaker 6: But I started in personal training and online coaching, but

524
00:24:42,240 --> 00:24:44,680
Speaker 6: over the last few years, I've really changed away from

525
00:24:44,760 --> 00:24:47,240
Speaker 6: the whole like eight week challenges and all of those

526
00:24:47,280 --> 00:24:50,720
Speaker 6: things into I'm now a registered counselor. I'm focusing on

527
00:24:50,760 --> 00:24:53,879
Speaker 6: more body image, eating issues, all of those kinds of things.

528
00:24:53,920 --> 00:24:56,439
Speaker 6: So my niche has changed a lot, which means my

529
00:24:57,160 --> 00:24:59,960
Speaker 6: sort of reach in terms of clients has also changed.

530
00:25:00,240 --> 00:25:03,439
Speaker 6: But it's really grown into a business that I'm so

531
00:25:03,600 --> 00:25:07,040
Speaker 6: passionate about and I feel so fulfilled by. It's something

532
00:25:07,040 --> 00:25:09,120
Speaker 6: that is like such a personal passion to me as

533
00:25:09,160 --> 00:25:10,679
Speaker 6: well as like I just you know when you have

534
00:25:10,680 --> 00:25:12,800
Speaker 6: a job, like this is my job, Like I get

535
00:25:12,840 --> 00:25:16,560
Speaker 6: paid to do something that makes you feel, Yeah, we

536
00:25:16,640 --> 00:25:17,280
Speaker 6: get it.

537
00:25:17,280 --> 00:25:19,720
Speaker 5: It's wild. So it's such a blessing. So yeah, that's

538
00:25:19,720 --> 00:25:20,080
Speaker 5: what I do.

539
00:25:20,119 --> 00:25:23,000
Speaker 6: I kind of split my time between counseling and I

540
00:25:23,000 --> 00:25:25,240
Speaker 6: still do some health and fitness coaching, but from a

541
00:25:25,560 --> 00:25:26,760
Speaker 6: quite a different perspective.

542
00:25:26,800 --> 00:25:27,760
Speaker 5: I guess to what I used to do.

543
00:25:27,800 --> 00:25:30,160
Speaker 6: It's much more about kind of balance and enjoying things

544
00:25:30,240 --> 00:25:31,400
Speaker 6: and aligning with your values.

545
00:25:31,560 --> 00:25:33,800
Speaker 5: So yeah, that's kind of that's what I do. I

546
00:25:33,840 --> 00:25:34,399
Speaker 5: love it.

547
00:25:34,640 --> 00:25:37,240
Speaker 2: I want to change back the gears straight back to

548
00:25:37,320 --> 00:25:39,800
Speaker 2: money because I love it and I want to know.

549
00:25:39,960 --> 00:25:42,919
Speaker 2: Can you describe to us what your current relationship with

550
00:25:43,000 --> 00:25:46,200
Speaker 2: money looks like and maybe explain a little bit about

551
00:25:46,240 --> 00:25:50,199
Speaker 2: how that's changed over the last three years since you

552
00:25:50,240 --> 00:25:51,240
Speaker 2: were on our podcast.

553
00:25:51,440 --> 00:25:55,800
Speaker 6: Yeah, I guess my relationship with money is ever changing.

554
00:25:56,119 --> 00:26:01,280
Speaker 6: I am anxious by nature and by diagnosis, but for me,

555
00:26:01,560 --> 00:26:05,119
Speaker 6: I am someone who definitely I worry about the inconsistency

556
00:26:05,119 --> 00:26:07,199
Speaker 6: of running your own business in something that is not

557
00:26:07,920 --> 00:26:10,800
Speaker 6: the exact same income every single week. So I get

558
00:26:10,880 --> 00:26:12,600
Speaker 6: very worried. I have to make sure I have all

559
00:26:12,640 --> 00:26:14,960
Speaker 6: this nest eggs. So I've always been that way. I'm

560
00:26:14,960 --> 00:26:17,160
Speaker 6: the eldest of six kids as well, so I've been

561
00:26:17,880 --> 00:26:21,080
Speaker 6: raised in a home that was very thrifty, very careful

562
00:26:21,080 --> 00:26:23,040
Speaker 6: with things. You know, we had what we needed, but

563
00:26:23,160 --> 00:26:25,320
Speaker 6: we didn't always have a lot of money to spare.

564
00:26:25,440 --> 00:26:27,320
Speaker 6: So I think I still live my life in that

565
00:26:27,359 --> 00:26:29,720
Speaker 6: way a lot of the time as well. So, yeah,

566
00:26:29,800 --> 00:26:32,520
Speaker 6: running my own business is sometimes a little challenging from

567
00:26:32,600 --> 00:26:36,520
Speaker 6: that mindset perspective of feeling stable. But I do have

568
00:26:36,600 --> 00:26:39,320
Speaker 6: my income kind of split across a few different income

569
00:26:39,359 --> 00:26:41,800
Speaker 6: streams now, which is really nice. So I have one

570
00:26:41,840 --> 00:26:43,639
Speaker 6: side of my business one hat that I wear as

571
00:26:43,640 --> 00:26:46,640
Speaker 6: my counseling hat. I have some coaching clients as well,

572
00:26:46,680 --> 00:26:49,000
Speaker 6: so they're kind of fifty to fifty in terms of

573
00:26:49,040 --> 00:26:51,760
Speaker 6: the main income for me in how I split my time.

574
00:26:51,800 --> 00:26:54,080
Speaker 5: But I also have some passive income.

575
00:26:54,119 --> 00:26:56,720
Speaker 6: I have some ebooks and things through my website, do

576
00:26:56,800 --> 00:26:59,119
Speaker 6: a little bit of influencing work, but not a lot

577
00:26:59,160 --> 00:27:02,280
Speaker 6: of paid influencing work because I would rather advertise.

578
00:27:01,840 --> 00:27:04,000
Speaker 5: My own business and make more money that way.

579
00:27:04,320 --> 00:27:06,000
Speaker 6: But yeah, it's kind of nice to have a few

580
00:27:06,119 --> 00:27:07,439
Speaker 6: different little streams for me.

581
00:27:07,960 --> 00:27:09,640
Speaker 5: That just helps keep things moving forward.

582
00:27:09,720 --> 00:27:13,480
Speaker 2: I guess, how did you start with different income streams?

583
00:27:13,480 --> 00:27:16,200
Speaker 2: I feel like so many of us just have one

584
00:27:16,320 --> 00:27:18,920
Speaker 2: and then we're like two, where's two gonna come from?

585
00:27:19,000 --> 00:27:21,439
Speaker 2: And You're like, I just have so many different income streams,

586
00:27:21,440 --> 00:27:23,679
Speaker 2: Like that's not relatable content. How do we do that?

587
00:27:24,080 --> 00:27:25,520
Speaker 6: I feel like I'm one of those you know, those

588
00:27:25,600 --> 00:27:29,600
Speaker 6: jugglers on a unicycle that's like also juggling plates.

589
00:27:29,240 --> 00:27:31,080
Speaker 5: That's me at all times.

590
00:27:31,160 --> 00:27:33,239
Speaker 6: But I guess, yeah, I started with the one I

591
00:27:33,280 --> 00:27:35,920
Speaker 6: was doing the health and fitness coaching. Then I branched

592
00:27:35,960 --> 00:27:38,800
Speaker 6: out service wise, so they're still technically under the same business.

593
00:27:38,800 --> 00:27:41,320
Speaker 5: I just kind of have two different sets of clients,

594
00:27:41,359 --> 00:27:42,479
Speaker 5: I guess throughout the week.

595
00:27:42,800 --> 00:27:45,960
Speaker 6: But yeah, the passive income was something that was just

596
00:27:46,040 --> 00:27:48,320
Speaker 6: I was just following the demand I was growing in

597
00:27:48,400 --> 00:27:50,920
Speaker 6: terms of social media. I was having a lot more

598
00:27:50,960 --> 00:27:53,919
Speaker 6: client inquiries than what I could physically keep up with,

599
00:27:53,960 --> 00:27:56,119
Speaker 6: and I wanted to be able to help people and

600
00:27:56,200 --> 00:27:58,560
Speaker 6: I couldn't do all of that work one on one,

601
00:27:58,680 --> 00:28:01,040
Speaker 6: So I guess it was a a great problem to have,

602
00:28:01,160 --> 00:28:02,800
Speaker 6: and that I just wanted to find a way to

603
00:28:03,040 --> 00:28:05,919
Speaker 6: help more people and put great content out there and

604
00:28:06,000 --> 00:28:08,760
Speaker 6: really help the people that couldn't access me, either that

605
00:28:08,800 --> 00:28:10,600
Speaker 6: I didn't have the time or they didn't have the

606
00:28:10,640 --> 00:28:13,240
Speaker 6: money to invest in one and one with me. So yeah,

607
00:28:13,280 --> 00:28:15,080
Speaker 6: that just kind of naturally happened. I feel like that's

608
00:28:15,160 --> 00:28:16,720
Speaker 6: kind of my life story a lot of the time

609
00:28:16,760 --> 00:28:19,239
Speaker 6: that I just I work behind the scenes and then

610
00:28:19,280 --> 00:28:21,320
Speaker 6: good things happened to fall in my lap, and it's

611
00:28:21,320 --> 00:28:23,560
Speaker 6: such a blessing and it's such a privilege to have that,

612
00:28:23,680 --> 00:28:25,000
Speaker 6: but I don't want to give it all to a

613
00:28:25,040 --> 00:28:26,920
Speaker 6: lot because I do work my butt off for it.

614
00:28:27,600 --> 00:28:31,760
Speaker 4: How do you find navigating the health and wellness space,

615
00:28:31,800 --> 00:28:34,480
Speaker 4: because that's a space I think historically that has been

616
00:28:35,320 --> 00:28:39,120
Speaker 4: a little bit challenging and a little bit capitalized on

617
00:28:39,200 --> 00:28:42,120
Speaker 4: almost at times in a way that is maybe not

618
00:28:42,240 --> 00:28:45,080
Speaker 4: putting people first. And you know, when we were talking earlier,

619
00:28:45,120 --> 00:28:49,240
Speaker 4: you're so passionate about people and about them being looked

620
00:28:49,280 --> 00:28:52,680
Speaker 4: after and about them being provided the right tools and

621
00:28:52,720 --> 00:28:56,720
Speaker 4: the right resources, which isn't necessarily, unfortunately always the case

622
00:28:56,720 --> 00:28:59,120
Speaker 4: in that industry. What does that look like for you

623
00:28:59,200 --> 00:29:03,000
Speaker 4: in terms of, you know, navigating I guess that responsibility

624
00:29:03,120 --> 00:29:07,040
Speaker 4: that's on you alongside your own personal passion for people.

625
00:29:07,600 --> 00:29:10,280
Speaker 6: That is a great question, and that's really why I've

626
00:29:10,360 --> 00:29:12,600
Speaker 6: changed my business so much over the last few years.

627
00:29:12,680 --> 00:29:14,760
Speaker 6: Like I said, I really started out doing the whole

628
00:29:14,800 --> 00:29:17,440
Speaker 6: like eight week challenges, a lot of fat loss stuff,

629
00:29:17,440 --> 00:29:21,360
Speaker 6: and it was very, very profitable for a good period

630
00:29:21,600 --> 00:29:24,360
Speaker 6: of my business that I was making a lot of money,

631
00:29:24,400 --> 00:29:26,680
Speaker 6: and that was what I was personally into as well

632
00:29:26,720 --> 00:29:28,960
Speaker 6: at the time. But I've kind of been on my

633
00:29:29,040 --> 00:29:31,320
Speaker 6: own journey over the last few years and kind of

634
00:29:31,360 --> 00:29:35,959
Speaker 6: found my own balance and sustainable approach and really incorporated

635
00:29:36,000 --> 00:29:38,479
Speaker 6: a lot more mental health into the work that I do.

636
00:29:38,520 --> 00:29:41,480
Speaker 6: Obviously now that I've got my counseling skills as well,

637
00:29:42,240 --> 00:29:45,920
Speaker 6: so I can see where there were kind of things

638
00:29:45,960 --> 00:29:48,720
Speaker 6: that I was doing previously that I didn't really know

639
00:29:48,800 --> 00:29:51,160
Speaker 6: necessarily were problematic at the time, but that are things

640
00:29:51,200 --> 00:29:53,760
Speaker 6: that I just don't feel aligned with who I am

641
00:29:53,800 --> 00:29:55,840
Speaker 6: and kind of how I want to influence people now.

642
00:29:56,320 --> 00:29:59,480
Speaker 6: So I've really kind of redirected my business into making

643
00:29:59,520 --> 00:30:02,719
Speaker 6: sure that I'm focusing on a whole person approach and

644
00:30:02,760 --> 00:30:04,920
Speaker 6: what are people's values and what are the other things

645
00:30:04,960 --> 00:30:07,480
Speaker 6: in their life that are really important that maybe previously

646
00:30:08,080 --> 00:30:10,600
Speaker 6: they were, you know, foregoing things like going out for

647
00:30:10,640 --> 00:30:12,720
Speaker 6: dinner with friends and having a social life and all

648
00:30:12,720 --> 00:30:15,360
Speaker 6: of those things in order to chase their goals as

649
00:30:15,640 --> 00:30:18,400
Speaker 6: quickly as possible. And now it's really about, well, what

650
00:30:18,520 --> 00:30:20,480
Speaker 6: is important to you and can we find a way

651
00:30:20,480 --> 00:30:22,440
Speaker 6: to kind of juggle all of that and not just

652
00:30:22,480 --> 00:30:24,720
Speaker 6: achieve your health and fitness goals or your mindset goals

653
00:30:24,760 --> 00:30:27,480
Speaker 6: or whatever it is, but also enjoy the process and

654
00:30:27,640 --> 00:30:29,320
Speaker 6: enjoy life while you're doing that.

655
00:30:29,760 --> 00:30:32,840
Speaker 4: Yeah, amazing. Back to money, because I can see raring

656
00:30:32,840 --> 00:30:33,800
Speaker 4: to talk about investing.

657
00:30:33,840 --> 00:30:35,200
Speaker 2: Oh, we want to know more about that.

658
00:30:36,640 --> 00:30:39,840
Speaker 4: You hinted this before, but do you currently invest and

659
00:30:39,880 --> 00:30:40,920
Speaker 4: if so, how are you doing that?

660
00:30:41,400 --> 00:30:44,360
Speaker 6: I don't yet, but now I'm in a good place

661
00:30:44,360 --> 00:30:48,000
Speaker 6: where yesterday of yesterday. So I'm like cheering on the

662
00:30:48,000 --> 00:30:50,760
Speaker 6: inside because this book is like perfect timing. I'm sure

663
00:30:50,800 --> 00:30:53,560
Speaker 6: you guys are feeling the same. I'm not a huge

664
00:30:53,600 --> 00:30:55,800
Speaker 6: risk taker, so I've always been really nervous and I

665
00:30:55,840 --> 00:30:57,720
Speaker 6: was like, I just need this nest egg, I just

666
00:30:57,840 --> 00:31:00,800
Speaker 6: need this emergency fund and then I can stop and breathe.

667
00:31:00,960 --> 00:31:04,000
Speaker 6: And now I think I'll probably start with like, you know,

668
00:31:04,160 --> 00:31:06,800
Speaker 6: micro investing, maybe a little app or something just to

669
00:31:06,960 --> 00:31:09,000
Speaker 6: you know, the little round up of my coffee, just

670
00:31:09,000 --> 00:31:11,280
Speaker 6: to dip my toe in the water. But it's one

671
00:31:11,280 --> 00:31:12,920
Speaker 6: of those things that I think, like, I'm sure a

672
00:31:12,920 --> 00:31:14,440
Speaker 6: lot of you guys feel the same of it. It's

673
00:31:14,480 --> 00:31:17,000
Speaker 6: just really foreign a lot of the time, and the

674
00:31:17,160 --> 00:31:20,040
Speaker 6: overwhelming information can feel like a lot. But I think

675
00:31:20,400 --> 00:31:22,600
Speaker 6: when you start small and just kind of get comfortable

676
00:31:22,640 --> 00:31:24,120
Speaker 6: and work your way up, that tends to be the

677
00:31:24,160 --> 00:31:26,720
Speaker 6: easiest way to get into literally any kind of goal.

678
00:31:27,200 --> 00:31:29,320
Speaker 6: So at least you know I can keep following along

679
00:31:29,320 --> 00:31:31,200
Speaker 6: with your tips and hopefully get in there very soon.

680
00:31:31,560 --> 00:31:34,000
Speaker 2: I feel like you've been really good at following our tips,

681
00:31:34,080 --> 00:31:36,920
Speaker 2: Like since the last time we literally spoke on the pod.

682
00:31:36,920 --> 00:31:38,360
Speaker 2: You're like, so, yeah, I bought a house and I

683
00:31:38,400 --> 00:31:40,240
Speaker 2: have an emergency fund and I've done all this stuff,

684
00:31:40,240 --> 00:31:41,240
Speaker 2: and like that's eppy.

685
00:31:41,440 --> 00:31:44,160
Speaker 5: I told you I'm an O two follower for you.

686
00:31:44,360 --> 00:31:46,600
Speaker 2: I know, because like I literally was like, will you

687
00:31:46,640 --> 00:31:48,520
Speaker 2: be on the fifth episode of my podcast and we

688
00:31:48,560 --> 00:31:50,080
Speaker 2: don't even know if this is going to be any good,

689
00:31:50,080 --> 00:31:52,320
Speaker 2: but please be on it? And you were like, yes, Queen,

690
00:31:52,800 --> 00:31:55,440
Speaker 2: I love it, But I want to ask more about

691
00:31:55,560 --> 00:31:58,600
Speaker 2: I guess the investing side of things, and you know

692
00:31:58,680 --> 00:32:01,520
Speaker 2: your comfort levels, cause you've obviously got a best friend

693
00:32:01,520 --> 00:32:03,320
Speaker 2: who's a financial advisor and you're just going to start

694
00:32:03,320 --> 00:32:05,040
Speaker 2: with my care investing. But that's a whole other thing.

695
00:32:05,520 --> 00:32:08,200
Speaker 2: But you're in this circumstance where like, I want to

696
00:32:08,240 --> 00:32:11,760
Speaker 2: start investing, but it still feels overwhelming, Like where do

697
00:32:11,800 --> 00:32:14,080
Speaker 2: you think you're actually going to start? Like is there

698
00:32:14,080 --> 00:32:16,400
Speaker 2: a monetary value that you're like, Oh, I'm just going

699
00:32:16,440 --> 00:32:18,200
Speaker 2: to do a couple of dollars a week, or are

700
00:32:18,200 --> 00:32:20,640
Speaker 2: you going to pick a platform and dump some cash

701
00:32:20,640 --> 00:32:23,200
Speaker 2: on it? Like, have you thought about strategy when it

702
00:32:23,240 --> 00:32:24,200
Speaker 2: comes to investing.

703
00:32:25,040 --> 00:32:28,200
Speaker 6: I haven't thought about it a lot, because literally it's

704
00:32:28,280 --> 00:32:29,560
Speaker 6: been one day, give me.

705
00:32:29,600 --> 00:32:31,960
Speaker 2: A minute, it's all I think about.

706
00:32:32,400 --> 00:32:34,440
Speaker 6: I have been thinking about it, though, and I think

707
00:32:34,560 --> 00:32:37,160
Speaker 6: I probably want to kind of set myself a number goal,

708
00:32:37,200 --> 00:32:39,120
Speaker 6: maybe like a five hundred and two one thousand dollars,

709
00:32:39,160 --> 00:32:41,920
Speaker 6: because I feel like if something went wrong, that's a

710
00:32:42,080 --> 00:32:45,000
Speaker 6: money amount that I think I could afford to lose

711
00:32:45,040 --> 00:32:46,840
Speaker 6: and not die.

712
00:32:47,320 --> 00:32:48,640
Speaker 5: But you know, that's.

713
00:32:48,440 --> 00:32:51,000
Speaker 6: Probably the most that i'd probably want to jump into

714
00:32:51,040 --> 00:32:54,120
Speaker 6: straight away. So yeah, I'm not one hundred percent sure

715
00:32:54,200 --> 00:32:54,840
Speaker 6: if I want to do.

716
00:32:55,240 --> 00:32:57,080
Speaker 5: What's that bucket? Thing in the bucket?

717
00:32:57,560 --> 00:33:02,440
Speaker 6: Yes, I always bus I've been listening, I've been picking

718
00:33:02,440 --> 00:33:04,520
Speaker 6: things up along the way, but I haven't locked anything

719
00:33:04,560 --> 00:33:06,000
Speaker 6: in yet. So I think I just want to kind

720
00:33:06,040 --> 00:33:08,720
Speaker 6: of get a feel for things. Like where I get lost.

721
00:33:08,520 --> 00:33:10,320
Speaker 5: Is just how do you know what's good? You know?

722
00:33:10,360 --> 00:33:12,440
Speaker 6: How do you know what you actually choose when it

723
00:33:12,520 --> 00:33:15,760
Speaker 6: is something that you're making that choice. That's what overwhelms me,

724
00:33:15,760 --> 00:33:18,000
Speaker 6: And I'm like, what if I pick wrong anxiety.

725
00:33:18,160 --> 00:33:20,920
Speaker 5: You know, I have to really have a think about it, and.

726
00:33:20,920 --> 00:33:23,440
Speaker 6: There's so many what ifs in my head, so I think, yeah,

727
00:33:23,480 --> 00:33:24,959
Speaker 6: I just say it's a little bit, a little bit

728
00:33:25,000 --> 00:33:26,560
Speaker 6: more learning, a little bit more reading the book.

729
00:33:26,960 --> 00:33:28,360
Speaker 5: I feel like you'll tell me in the book.

730
00:33:28,520 --> 00:33:30,840
Speaker 2: I actually have a couple of book recommendations if you'd

731
00:33:30,880 --> 00:33:31,000
Speaker 2: like to.

732
00:33:31,080 --> 00:33:32,680
Speaker 5: Yeah, yeah, I think you might help.

733
00:33:32,760 --> 00:33:34,920
Speaker 2: I can help. I want to know. So you said

734
00:33:34,920 --> 00:33:37,800
Speaker 2: that you haven't started. Have you invested historically? I feel

735
00:33:37,800 --> 00:33:40,960
Speaker 2: like you've invested in business. You've invested in a number

736
00:33:40,960 --> 00:33:43,600
Speaker 2: of things, so I want to know about that history. Yeah.

737
00:33:43,600 --> 00:33:46,080
Speaker 6: I invest in myself definitely in my business, and I

738
00:33:46,560 --> 00:33:49,440
Speaker 6: try and make sure that I am putting money aside

739
00:33:49,520 --> 00:33:52,320
Speaker 6: to like reinvest in my business in terms of planning

740
00:33:52,320 --> 00:33:53,160
Speaker 6: for future growth.

741
00:33:53,360 --> 00:33:54,400
Speaker 5: So that's really important.

742
00:33:54,440 --> 00:33:56,320
Speaker 6: I do have my super fund that you know, I

743
00:33:56,400 --> 00:33:58,080
Speaker 6: put a little bit into to make sure that that's

744
00:33:58,120 --> 00:34:00,760
Speaker 6: kind of growing in the background. But really, like the

745
00:34:00,840 --> 00:34:03,520
Speaker 6: last few years have been so focused on buy my house,

746
00:34:03,960 --> 00:34:06,840
Speaker 6: and I figure that's a pretty good investment and hopefully

747
00:34:06,840 --> 00:34:08,560
Speaker 6: that's going to make me some money in the long run.

748
00:34:08,560 --> 00:34:11,040
Speaker 6: Because I'm putting my own little tweaks on things. I

749
00:34:11,080 --> 00:34:12,719
Speaker 6: don't know if you guys have seen, I'm doing lots

750
00:34:12,719 --> 00:34:15,959
Speaker 6: of I'm a big like DIY make things look really

751
00:34:15,960 --> 00:34:17,920
Speaker 6: cute in my own house and not pay people to

752
00:34:18,000 --> 00:34:20,399
Speaker 6: do it. So I'm doing a lot of my own

753
00:34:20,400 --> 00:34:23,400
Speaker 6: little kind of esthetic renovations. Don't like I'm not knocking

754
00:34:23,400 --> 00:34:24,560
Speaker 6: out walls or anything like that.

755
00:34:24,640 --> 00:34:25,320
Speaker 5: Don't worry.

756
00:34:25,719 --> 00:34:27,880
Speaker 2: I'm very aesthetic. I was about to I just I

757
00:34:27,920 --> 00:34:29,479
Speaker 2: don't know if you guys saw me like shoot around

758
00:34:29,480 --> 00:34:31,160
Speaker 2: to jests and I was like, can we this is nice?

759
00:34:33,480 --> 00:34:34,080
Speaker 2: Oh my gosh.

760
00:34:34,120 --> 00:34:36,759
Speaker 4: I love anyone who listens to I love a good

761
00:34:36,800 --> 00:34:40,400
Speaker 4: DIY the DIY space. What kind of projects have you tackled,

762
00:34:40,440 --> 00:34:43,000
Speaker 4: because I feel like, as we've kind of spoken about,

763
00:34:43,000 --> 00:34:44,960
Speaker 4: buying house is very expensive and something that a lot

764
00:34:44,960 --> 00:34:48,680
Speaker 4: of us want to do Getting projects done by yourself

765
00:34:48,800 --> 00:34:51,960
Speaker 4: labor makes up such a significant part of the cost

766
00:34:52,400 --> 00:34:55,160
Speaker 4: of changing a home or of renovating. If you can

767
00:34:55,239 --> 00:34:57,520
Speaker 4: do things yourself, that's a really great place to save money.

768
00:34:57,560 --> 00:34:59,480
Speaker 4: What kind of projects have you done and do you

769
00:34:59,480 --> 00:35:01,879
Speaker 4: have like a ball park on like, how much cash

770
00:35:01,880 --> 00:35:03,080
Speaker 4: you've kind of saved by doing that.

771
00:35:04,120 --> 00:35:06,719
Speaker 6: My biggest project that I've done so far is my

772
00:35:06,840 --> 00:35:08,440
Speaker 6: pool area, have a pool.

773
00:35:08,560 --> 00:35:10,080
Speaker 5: It feels very fancy.

774
00:35:10,320 --> 00:35:13,760
Speaker 6: This is a lot cheaper here compared to like Melbourne listeners,

775
00:35:13,800 --> 00:35:16,000
Speaker 6: if you listen to the podcast, it's not the same.

776
00:35:16,320 --> 00:35:19,040
Speaker 2: But his second she said at the back, she was like, yeah,

777
00:35:19,040 --> 00:35:20,400
Speaker 2: and the house has a pool. Do you want to

778
00:35:20,440 --> 00:35:23,120
Speaker 2: see my pool area? I was like, this is not relatable, babe,

779
00:35:23,320 --> 00:35:25,920
Speaker 2: like that that's a pool. She's like, oh, here's how

780
00:35:26,000 --> 00:35:28,680
Speaker 2: much I paid And I was like, what, Just do

781
00:35:28,680 --> 00:35:31,120
Speaker 2: you want to move to Korean's last? Like I could

782
00:35:31,200 --> 00:35:35,080
Speaker 2: afford I could afford way bigger house. Like at the moment,

783
00:35:35,280 --> 00:35:37,960
Speaker 2: the house I've bought is in a good area, but

784
00:35:38,080 --> 00:35:40,400
Speaker 2: when I have kids, they're definitely getting like a triple

785
00:35:40,400 --> 00:35:42,719
Speaker 2: stacker bunk bed, Like that's where you're at, and I'm

786
00:35:42,760 --> 00:35:44,080
Speaker 2: just not willing to compromise.

787
00:35:44,200 --> 00:35:45,680
Speaker 6: You'll have to move them up here at some point.

788
00:35:45,760 --> 00:35:47,600
Speaker 6: It's much more after.

789
00:35:47,080 --> 00:35:50,200
Speaker 2: Weather better, everything better, more exciting. People like what.

790
00:35:51,880 --> 00:35:52,520
Speaker 5: You're not wrong?

791
00:35:53,520 --> 00:35:56,080
Speaker 6: Yeah, So that's been my most recent project. Is Like

792
00:35:56,200 --> 00:35:59,200
Speaker 6: it was just like concrete, right, just pretty boring, Like

793
00:35:59,239 --> 00:36:01,200
Speaker 6: I'm still cute, but it was just like playing concrete

794
00:36:01,239 --> 00:36:03,759
Speaker 6: and it kept getting really dirty from like the rain

795
00:36:03,880 --> 00:36:05,280
Speaker 6: was getting ingrained in the concrete.

796
00:36:05,320 --> 00:36:07,319
Speaker 5: It was really irked me and I was like, oh,

797
00:36:07,320 --> 00:36:09,040
Speaker 5: I really want to get it tiled.

798
00:36:08,680 --> 00:36:11,319
Speaker 6: But that's so expensive and like you have to pay

799
00:36:11,360 --> 00:36:13,200
Speaker 6: so I don't know how to do that, Like that's

800
00:36:13,239 --> 00:36:16,920
Speaker 6: that's a whole thing you do though, Well, so idea,

801
00:36:17,000 --> 00:36:19,560
Speaker 6: I wired it and I got concrete paint and I

802
00:36:19,600 --> 00:36:22,440
Speaker 6: got this like stencil thing and so it's like it

803
00:36:22,560 --> 00:36:25,400
Speaker 6: looks tiled now from afar, but I actually have painted

804
00:36:25,440 --> 00:36:28,359
Speaker 6: it on in this really durable concrete paint. I put

805
00:36:28,400 --> 00:36:32,000
Speaker 6: this little like cinderblock stack that I have like cactuses.

806
00:36:31,480 --> 00:36:32,919
Speaker 5: In now and it is a whole vibe.

807
00:36:32,960 --> 00:36:35,520
Speaker 6: And the whole thing cost me maybe six hundred dollars

808
00:36:35,840 --> 00:36:38,319
Speaker 6: all up for everything, but it was so fun as

809
00:36:38,360 --> 00:36:40,640
Speaker 6: well to do it myself, to spend that time.

810
00:36:40,800 --> 00:36:41,560
Speaker 5: It's not perfect.

811
00:36:41,560 --> 00:36:43,719
Speaker 6: It's one of those like money situations if you look

812
00:36:43,719 --> 00:36:46,120
Speaker 6: too close, like the lines of the sensel are not perfect,

813
00:36:46,480 --> 00:36:49,239
Speaker 6: but it is like I'm so obsessed with it, so

814
00:36:49,480 --> 00:36:51,800
Speaker 6: little things like that cosmetic. Don't give me a power

815
00:36:51,800 --> 00:36:54,359
Speaker 6: tool that I'll pay someone to do. But if it's cute,

816
00:36:54,360 --> 00:36:56,759
Speaker 6: if it's pained, if it's just cosmetic, I like to.

817
00:36:56,719 --> 00:36:57,320
Speaker 5: Do it myself.

818
00:36:57,560 --> 00:36:59,960
Speaker 2: See that's where you and jes A Griki are very different.

819
00:37:00,239 --> 00:37:02,640
Speaker 2: She will take a power tool, she will do it.

820
00:37:02,880 --> 00:37:06,000
Speaker 4: Sometimes I shouldn't have access to the power tool, but

821
00:37:06,080 --> 00:37:07,360
Speaker 4: I'll give it a crack anyway.

822
00:37:07,560 --> 00:37:09,719
Speaker 2: It's wild. Sometimes I'll say in the office like, oh

823
00:37:09,800 --> 00:37:11,719
Speaker 2: my gosh, imagine if we had and Just is like

824
00:37:11,760 --> 00:37:13,040
Speaker 2: I could do it. And I'm like, babe, you don't

825
00:37:13,040 --> 00:37:15,319
Speaker 2: have a drop sawce. She's like I do though, Like

826
00:37:15,400 --> 00:37:18,600
Speaker 2: I do that. I'm like, where do you keep this stuff?

827
00:37:18,840 --> 00:37:20,880
Speaker 2: She's like, I'll just go home and I'll cut it up.

828
00:37:20,920 --> 00:37:24,920
Speaker 2: I'm like hell. Like she's honestly terrifying. We've been talking

829
00:37:24,960 --> 00:37:27,359
Speaker 2: wedding content in the office and I'm like, oh, I'd

830
00:37:27,400 --> 00:37:29,920
Speaker 2: really like this particular you know, you know how like

831
00:37:30,040 --> 00:37:32,160
Speaker 2: brides and like I'm going to be one. So this

832
00:37:32,239 --> 00:37:35,840
Speaker 2: sounds really hypocritical. Have those aesthetic pajamas when they like

833
00:37:35,880 --> 00:37:39,160
Speaker 2: get ready in the morning, right, they're really expensive, just

834
00:37:39,239 --> 00:37:42,440
Speaker 2: like I could make them. Like what, I'm like, Oh,

835
00:37:42,440 --> 00:37:44,879
Speaker 2: I really want this particular like style. I don't think

836
00:37:44,880 --> 00:37:46,960
Speaker 2: it exists. Just like I'll do it, like I'll get

837
00:37:47,000 --> 00:37:49,880
Speaker 2: it done. I'm like, what is this? I'm gonna let

838
00:37:49,880 --> 00:37:52,600
Speaker 2: you do it. Because weddings are really expensive, so that

839
00:37:52,640 --> 00:37:55,279
Speaker 2: can be my wedding present, just as diy labor. I

840
00:37:55,320 --> 00:37:55,680
Speaker 2: love it.

841
00:37:55,800 --> 00:37:56,480
Speaker 5: I love that though.

842
00:37:56,520 --> 00:37:59,040
Speaker 6: I think it's so satisfying to do things yourself to

843
00:37:59,080 --> 00:38:01,200
Speaker 6: take I think that's why thing that I got from

844
00:38:01,200 --> 00:38:03,880
Speaker 6: my mom. She was very very savvy. You have to

845
00:38:03,920 --> 00:38:06,200
Speaker 6: be when you have six kids, right, Like, I don't

846
00:38:06,200 --> 00:38:07,000
Speaker 6: even know how.

847
00:38:06,800 --> 00:38:08,920
Speaker 5: She pulled that off. She is like a superwoman.

848
00:38:09,280 --> 00:38:11,600
Speaker 6: But we always had, you know, at least the basics

849
00:38:11,640 --> 00:38:13,560
Speaker 6: of what we needed, and we did dancing, and we

850
00:38:13,600 --> 00:38:15,799
Speaker 6: had costumes, and you would teach us how to seq

851
00:38:15,920 --> 00:38:18,239
Speaker 6: on our own costumes, and so from the get go,

852
00:38:18,880 --> 00:38:21,880
Speaker 6: I've just I've learnt those skills over time of the

853
00:38:21,960 --> 00:38:25,279
Speaker 6: things that we can do ourselves that we're not gonna

854
00:38:25,760 --> 00:38:29,080
Speaker 6: kill anything, like obviously, like I'm not gonna do anything

855
00:38:29,120 --> 00:38:31,239
Speaker 6: really important myself that I really don't know how to do,

856
00:38:31,360 --> 00:38:32,600
Speaker 6: but to borrow her drop saw.

857
00:38:33,520 --> 00:38:35,560
Speaker 5: You can come and help me. If I ever need

858
00:38:35,600 --> 00:38:37,400
Speaker 5: a wall knock out, I know who to call.

859
00:38:37,680 --> 00:38:40,600
Speaker 6: But I just I think there's such like pleasure and

860
00:38:40,800 --> 00:38:44,440
Speaker 6: joy and like pride that comes from like creating a project,

861
00:38:44,520 --> 00:38:47,000
Speaker 6: being able to do it yourself, even if it's not perfect.

862
00:38:47,080 --> 00:38:48,799
Speaker 6: Like I look at my little pool area, and I'm

863
00:38:48,840 --> 00:38:50,759
Speaker 6: like a proud that I even have a home to

864
00:38:50,800 --> 00:38:53,080
Speaker 6: begin with. B I have a pool, Like that is

865
00:38:53,400 --> 00:38:56,200
Speaker 6: freaking sick, But like the fact that I did that

866
00:38:56,280 --> 00:38:58,960
Speaker 6: myself just feels like such a beautiful personal touch. It's

867
00:38:59,040 --> 00:39:00,839
Speaker 6: like I look at it and I'm like, I see

868
00:39:00,840 --> 00:39:03,440
Speaker 6: that labor of love. And it took me probably like

869
00:39:03,680 --> 00:39:06,359
Speaker 6: twenty to twenty five hours all up, over the course

870
00:39:06,360 --> 00:39:08,920
Speaker 6: of a couple of like month's worth of weekends. But

871
00:39:08,960 --> 00:39:10,640
Speaker 6: it just feels so good to know that I did

872
00:39:10,640 --> 00:39:13,040
Speaker 6: that myself, that I saved that money, but also like.

873
00:39:13,000 --> 00:39:14,000
Speaker 5: It was just really fun.

874
00:39:14,840 --> 00:39:17,759
Speaker 2: That makes it like absolutely okay that you're like it's

875
00:39:17,760 --> 00:39:20,200
Speaker 2: not perfect because it's mine and I love it. And

876
00:39:20,320 --> 00:39:21,680
Speaker 2: you know what you can do. You can just hand

877
00:39:21,760 --> 00:39:23,360
Speaker 2: all of the guests that come to your house to

878
00:39:23,440 --> 00:39:25,680
Speaker 2: use the pool a glass of champagne before they go

879
00:39:25,760 --> 00:39:28,920
Speaker 2: up there. Not they will not see it, honestly, it

880
00:39:28,960 --> 00:39:32,040
Speaker 2: will be fine. Plus, I'm setting myself up for success here.

881
00:39:32,080 --> 00:39:33,920
Speaker 2: Next time I go to Sammy's house, I'm going to

882
00:39:33,960 --> 00:39:37,759
Speaker 2: get a champagne. This is genius. This is genius. You

883
00:39:37,840 --> 00:39:41,120
Speaker 2: talk a lot about investing in yourself in the content

884
00:39:41,160 --> 00:39:44,279
Speaker 2: that you create, which I obviously adore, and I think

885
00:39:44,280 --> 00:39:47,480
Speaker 2: you've done a lot of especially in recent years. I

886
00:39:47,520 --> 00:39:50,800
Speaker 2: feel like watching you online, you've morphed into this person

887
00:39:50,840 --> 00:39:53,360
Speaker 2: that I'm just like. I always proud of her before,

888
00:39:53,440 --> 00:39:56,239
Speaker 2: but I now just want to be around you all

889
00:39:56,280 --> 00:39:59,160
Speaker 2: the time. Can you give us some tips, like we

890
00:39:59,239 --> 00:40:02,560
Speaker 2: want to be more, Like how do we invest more

891
00:40:02,640 --> 00:40:05,800
Speaker 2: in ourselves in a way that you know doesn't cost

892
00:40:05,880 --> 00:40:08,960
Speaker 2: thousands of dollars? Because I was talking in Melbourne about

893
00:40:08,960 --> 00:40:11,319
Speaker 2: pilates and how much I want to do more of it,

894
00:40:11,360 --> 00:40:14,640
Speaker 2: but I just can't justify how much it costs. And

895
00:40:14,719 --> 00:40:17,279
Speaker 2: I feel like sometimes influencers turn around me, like, so

896
00:40:17,640 --> 00:40:20,680
Speaker 2: the best way to invest in yourself is to do

897
00:40:20,760 --> 00:40:24,280
Speaker 2: a sixty dollars polarates class and then get a twelve

898
00:40:24,320 --> 00:40:27,720
Speaker 2: dollar green smoothie. Like it's just it's not a vibe.

899
00:40:27,960 --> 00:40:30,480
Speaker 2: Like it's just not a vibe. Like, as I said before,

900
00:40:30,520 --> 00:40:32,480
Speaker 2: I'm gonna put a free app on my phone and

901
00:40:32,560 --> 00:40:35,080
Speaker 2: have a nap, Like that's my vibe? What are you doing?

902
00:40:36,239 --> 00:40:42,239
Speaker 2: I do pilates, but straight under the bus.

903
00:40:43,320 --> 00:40:45,880
Speaker 6: I am an influencer. It is a collaboration, so I

904
00:40:45,920 --> 00:40:46,839
Speaker 6: don't pay for it.

905
00:40:47,680 --> 00:40:49,319
Speaker 2: That's a money win you should have said that. You

906
00:40:49,320 --> 00:40:51,960
Speaker 2: should have said at the start saving my emergency fund

907
00:40:52,120 --> 00:40:55,200
Speaker 2: free pilarates. Also, why haven't you hooked me up?

908
00:40:56,520 --> 00:40:58,600
Speaker 5: That is a blessing that is not big enough Gus.

909
00:40:58,600 --> 00:41:00,920
Speaker 6: It's one of my few collaborations that I take, and like,

910
00:41:01,320 --> 00:41:03,040
Speaker 6: I will accept that one because that's.

911
00:41:02,760 --> 00:41:04,200
Speaker 2: Like, you don't even have to pay me, just keep

912
00:41:04,200 --> 00:41:05,320
Speaker 2: giving me free style.

913
00:41:05,120 --> 00:41:05,640
Speaker 5: Sign me up.

914
00:41:06,080 --> 00:41:08,840
Speaker 6: No, I think like when it comes to investing in yourself, honestly,

915
00:41:08,880 --> 00:41:11,320
Speaker 6: it really is the same as when you're investing money.

916
00:41:11,320 --> 00:41:13,920
Speaker 6: It's when you think about people that are trying to

917
00:41:14,920 --> 00:41:16,840
Speaker 6: like go all out with their savings and I'm not

918
00:41:16,880 --> 00:41:19,320
Speaker 6: gonna buy any clothes and I'm not going to dinner

919
00:41:19,360 --> 00:41:21,080
Speaker 6: for the next six months so I can save as

920
00:41:21,200 --> 00:41:23,560
Speaker 6: much as possible, And it's like, yeah, cool, but how

921
00:41:23,600 --> 00:41:25,440
Speaker 6: long can you really do that for? And what do

922
00:41:25,480 --> 00:41:28,040
Speaker 6: you have to sacrifice in order to do that? Are

923
00:41:28,040 --> 00:41:30,160
Speaker 6: you going to be miserable in the process? And if

924
00:41:30,160 --> 00:41:32,560
Speaker 6: you're trying to save money in order to have a

925
00:41:32,600 --> 00:41:34,960
Speaker 6: comfortable life and be happy, well, like, why do you

926
00:41:34,960 --> 00:41:37,560
Speaker 6: want to make yourself miserable for six plus months trying

927
00:41:37,560 --> 00:41:40,040
Speaker 6: to do that and not have any kind of joy

928
00:41:40,080 --> 00:41:43,600
Speaker 6: in life? So you know, flip it, make it really small,

929
00:41:43,680 --> 00:41:45,520
Speaker 6: do it like it's micro investing.

930
00:41:45,560 --> 00:41:47,080
Speaker 5: Do it like it's a little round up.

931
00:41:47,040 --> 00:41:49,160
Speaker 6: Your coffee, and just what are some small things that

932
00:41:49,239 --> 00:41:52,400
Speaker 6: I can do that will help me look after my health,

933
00:41:52,480 --> 00:41:55,160
Speaker 6: my wellbeing, my mindset, whatever it might be that you're

934
00:41:55,160 --> 00:41:56,080
Speaker 6: trying to work towards.

935
00:41:56,360 --> 00:41:58,080
Speaker 5: But don't try to go zero to.

936
00:41:58,120 --> 00:42:01,000
Speaker 6: One hundred and change everything all at wae. Think about

937
00:42:01,200 --> 00:42:02,920
Speaker 6: what am I doing and what can I just do

938
00:42:03,160 --> 00:42:05,120
Speaker 6: ten percent better this week? Is it that I just

939
00:42:05,160 --> 00:42:07,400
Speaker 6: set a little water goal, or if I don't have

940
00:42:07,480 --> 00:42:09,799
Speaker 6: time to go to the gym five times a week,

941
00:42:09,880 --> 00:42:12,440
Speaker 6: like what is realistic for me and the budget.

942
00:42:12,080 --> 00:42:13,359
Speaker 5: Of my time that I have.

943
00:42:14,000 --> 00:42:16,160
Speaker 6: Is it better that I plan to do just you know,

944
00:42:16,440 --> 00:42:19,560
Speaker 6: two or three twenty minute workouts and be happy with

945
00:42:19,600 --> 00:42:21,080
Speaker 6: that because that's still going to get me a lot

946
00:42:21,120 --> 00:42:23,239
Speaker 6: further along. It's like saying, oh, sorry, I'm not going

947
00:42:23,280 --> 00:42:25,560
Speaker 6: to put aside ten dollars a week because that's not enough.

948
00:42:25,880 --> 00:42:28,160
Speaker 6: But that's ten dollars a week that you didn't have before.

949
00:42:28,760 --> 00:42:30,920
Speaker 6: So it's the exact same thing with your time. Figure

950
00:42:30,920 --> 00:42:33,840
Speaker 6: out what you actually have to give, what's realistic for

951
00:42:33,880 --> 00:42:37,919
Speaker 6: you to do consistently without like throwing your entire life

952
00:42:38,000 --> 00:42:41,200
Speaker 6: away in order to do it. Small sacrifices are worth it,

953
00:42:41,239 --> 00:42:43,720
Speaker 6: but big sacrifices that make you hate life.

954
00:42:43,840 --> 00:42:45,960
Speaker 5: I know about you, guys, but I don't sign myself

955
00:42:46,040 --> 00:42:46,360
Speaker 5: up for that.

956
00:42:47,280 --> 00:42:48,279
Speaker 2: No, not at all.

957
00:42:48,480 --> 00:42:50,400
Speaker 4: I want to talk about the free Parlartis for a second,

958
00:42:50,440 --> 00:42:53,840
Speaker 4: because the second you said that, I could feel a

959
00:42:53,880 --> 00:42:56,600
Speaker 4: few people in the room go. And I think it's

960
00:42:56,640 --> 00:42:58,319
Speaker 4: a really interesting thing because you.

961
00:42:58,320 --> 00:42:59,839
Speaker 2: I also want free Polartis.

962
00:43:00,280 --> 00:43:02,319
Speaker 4: Not even because that you guys heard us before do

963
00:43:02,440 --> 00:43:05,200
Speaker 4: our budget direct money wins. You know that we will

964
00:43:05,200 --> 00:43:08,320
Speaker 4: work with sponsors occasionally who really align to our values

965
00:43:08,360 --> 00:43:09,839
Speaker 4: and brands that we really love.

966
00:43:10,520 --> 00:43:11,960
Speaker 2: And I want to get your thoughts.

967
00:43:12,000 --> 00:43:15,520
Speaker 4: As someone who does work in the influencing space, I

968
00:43:15,560 --> 00:43:20,200
Speaker 4: feel like there is sometimes a really big stigma around

969
00:43:20,360 --> 00:43:24,480
Speaker 4: sponsorship and around partnerships, and I think it's interesting because

970
00:43:24,520 --> 00:43:27,120
Speaker 4: it seems like for people who work in the advertising

971
00:43:27,160 --> 00:43:29,040
Speaker 4: world or people who've worked in marketing. I don't know

972
00:43:29,040 --> 00:43:31,120
Speaker 4: if anyone here has ever worked in that space before,

973
00:43:31,520 --> 00:43:34,040
Speaker 4: but I feel like sometimes we view it in a

974
00:43:34,040 --> 00:43:37,719
Speaker 4: different way to the everyday person. And I can totally

975
00:43:37,800 --> 00:43:41,120
Speaker 4: see how when you have somebody who's promoting something different

976
00:43:41,160 --> 00:43:45,520
Speaker 4: every day, or promoting conflicting things, or you know, doing

977
00:43:45,560 --> 00:43:47,719
Speaker 4: things all the time and shoving it in your face.

978
00:43:47,760 --> 00:43:50,960
Speaker 4: I can understand eye as a consumer find that frustrating

979
00:43:51,000 --> 00:43:54,280
Speaker 4: as well, but I feel like it's an interesting conversation

980
00:43:54,400 --> 00:43:59,279
Speaker 4: to have around, you know, the internalized I don't want

981
00:43:59,320 --> 00:44:01,000
Speaker 4: to say misogyny, it's not the right word, but the

982
00:44:01,160 --> 00:44:07,520
Speaker 4: internalized perception, perception exactly of women working hard and getting

983
00:44:07,680 --> 00:44:11,360
Speaker 4: that back. Basically, because if you're working with a brand

984
00:44:11,440 --> 00:44:13,399
Speaker 4: you just said you love parties and it's so good

985
00:44:13,440 --> 00:44:15,680
Speaker 4: for your mental health and it's something you're really passionate about,

986
00:44:16,440 --> 00:44:19,719
Speaker 4: why shouldn't you be working with them and producing great

987
00:44:19,760 --> 00:44:22,239
Speaker 4: content Because it takes a lot of time to do that. Like,

988
00:44:22,280 --> 00:44:24,120
Speaker 4: do you feel like there's a little bit of a

989
00:44:24,280 --> 00:44:28,720
Speaker 4: barrier or a misunderstanding sometimes around that kind of work.

990
00:44:28,520 --> 00:44:29,320
Speaker 5: Yeah, definitely.

991
00:44:29,400 --> 00:44:32,359
Speaker 6: I never introduce myself as an influencer. I don't really

992
00:44:32,360 --> 00:44:35,840
Speaker 6: consider myself one anyway, because that's like the tiniest fraction

993
00:44:36,000 --> 00:44:38,319
Speaker 6: of what I do when I'm majority of what I'm

994
00:44:38,360 --> 00:44:41,040
Speaker 6: on social media for is to advertise my business.

995
00:44:41,160 --> 00:44:43,720
Speaker 2: Influence me so much, you're an influencer by thanks?

996
00:44:43,719 --> 00:44:44,960
Speaker 5: Okay, Right, I'll take it.

997
00:44:45,560 --> 00:44:49,560
Speaker 6: But you know, I'm very picky with my collaborations because I,

998
00:44:49,920 --> 00:44:51,799
Speaker 6: like I said before, I want to spend my time

999
00:44:51,840 --> 00:44:54,880
Speaker 6: on social media talking about my business and generate, you know,

1000
00:44:55,080 --> 00:44:57,840
Speaker 6: leads that will help me actually profit more than just

1001
00:44:57,880 --> 00:45:00,719
Speaker 6: kind of lining someone else's pockets. And I'm not someone that,

1002
00:45:00,800 --> 00:45:02,560
Speaker 6: like I just want to kind of sell anything to

1003
00:45:02,600 --> 00:45:05,840
Speaker 6: anyone and not be authentic. So I'm like, I know

1004
00:45:05,920 --> 00:45:08,759
Speaker 6: everyone says, oh, I only advertise things I know in love,

1005
00:45:08,800 --> 00:45:12,040
Speaker 6: but I really do, Like, I'm very very picky. I

1006
00:45:12,080 --> 00:45:15,920
Speaker 6: have only a small handful of like ongoing partnerships, and

1007
00:45:16,520 --> 00:45:18,439
Speaker 6: when I have kind of once off collapse and things

1008
00:45:18,520 --> 00:45:21,279
Speaker 6: like that, it's would I actually pay for this? And

1009
00:45:21,320 --> 00:45:24,000
Speaker 6: like will I show up and do this thing or

1010
00:45:24,080 --> 00:45:25,799
Speaker 6: use this product or whatever it is? And if the

1011
00:45:25,800 --> 00:45:29,279
Speaker 6: answer is yes, then I'll consider it. But like the

1012
00:45:29,320 --> 00:45:31,560
Speaker 6: amount of things that I say no to are like

1013
00:45:32,200 --> 00:45:34,640
Speaker 6: twenty times the amount of things that I say yes too,

1014
00:45:34,680 --> 00:45:36,799
Speaker 6: purely because a I don't want to spend the time

1015
00:45:36,840 --> 00:45:40,040
Speaker 6: advertising other things, Like I'm not so broke that I

1016
00:45:40,040 --> 00:45:42,719
Speaker 6: couldn't pay for things myself. If someone offers me, like

1017
00:45:42,760 --> 00:45:44,919
Speaker 6: I don't know, some something that I don't care about

1018
00:45:45,000 --> 00:45:47,160
Speaker 6: I'm like, I can pay for it myself if I

1019
00:45:47,239 --> 00:45:50,520
Speaker 6: really wanted it that badly. So you know, Polarates kind

1020
00:45:50,520 --> 00:45:52,160
Speaker 6: of fell into my lap. I was like, you know what,

1021
00:45:52,480 --> 00:45:55,320
Speaker 6: I actually really want to do pilates. Yeah, it's really costly.

1022
00:45:55,840 --> 00:45:58,080
Speaker 6: I have to actually show up and do the classes.

1023
00:45:58,080 --> 00:46:00,839
Speaker 6: It's not a paid collaboration. It's like a gifted ten

1024
00:46:00,960 --> 00:46:03,920
Speaker 6: pac or something. So I have to actually show up

1025
00:46:03,920 --> 00:46:06,839
Speaker 6: and use the passes in order to make this mutually beneficial.

1026
00:46:07,000 --> 00:46:08,839
Speaker 6: So if I'm not going to use it and I'm

1027
00:46:08,840 --> 00:46:10,480
Speaker 6: not going to enjoy it, then it wouldn't be worth

1028
00:46:10,520 --> 00:46:13,480
Speaker 6: it anyway. So those are the kind of partnerships that

1029
00:46:13,520 --> 00:46:15,680
Speaker 6: I take on, and I, like I said, I'm really

1030
00:46:15,800 --> 00:46:19,840
Speaker 6: choosy with it because I have built this really wonderful

1031
00:46:20,400 --> 00:46:23,480
Speaker 6: community with my following. They do trust me, and I

1032
00:46:23,560 --> 00:46:26,200
Speaker 6: do have such a great back and forth with so

1033
00:46:26,239 --> 00:46:28,520
Speaker 6: many people that follow me, and I answer every single

1034
00:46:28,600 --> 00:46:31,560
Speaker 6: DM that's in my inbox. And I don't want to

1035
00:46:31,600 --> 00:46:34,320
Speaker 6: just be spooking things that I actually don't care about

1036
00:46:34,360 --> 00:46:37,120
Speaker 6: because that just doesn't feel good to me. So I

1037
00:46:37,160 --> 00:46:39,520
Speaker 6: only talk about things that I really love. And I've

1038
00:46:39,560 --> 00:46:41,880
Speaker 6: always been that way. There's probably been things here and

1039
00:46:41,880 --> 00:46:44,680
Speaker 6: there that In hindsight, I'm like, eh, probably could have

1040
00:46:44,760 --> 00:46:47,360
Speaker 6: gone without doing that. But the last few years in particular,

1041
00:46:47,400 --> 00:46:50,200
Speaker 6: I've really cut back. And if you see anything that

1042
00:46:50,360 --> 00:46:53,719
Speaker 6: is like gifted, collaboration, paid sponsorship, anything like that on

1043
00:46:53,800 --> 00:46:57,120
Speaker 6: my socials, it's because I would like scream from the

1044
00:46:57,160 --> 00:46:59,200
Speaker 6: rooftop how much I love that brand or that they

1045
00:46:59,200 --> 00:47:00,880
Speaker 6: align with my value or whatever it is.

1046
00:47:01,200 --> 00:47:04,120
Speaker 2: I'm very very similar. I get the ick when I

1047
00:47:04,160 --> 00:47:07,719
Speaker 2: see content that I'm like, you don't use that. I

1048
00:47:07,840 --> 00:47:10,680
Speaker 2: recently just did a collaboration. This is so sick, right

1049
00:47:10,880 --> 00:47:14,040
Speaker 2: with bumble, But I was like, yes, because I love

1050
00:47:14,160 --> 00:47:16,760
Speaker 2: dating apps. I think this is sick. I think healthy

1051
00:47:16,840 --> 00:47:20,480
Speaker 2: relationship conversations should be had. Let's talk about money and

1052
00:47:20,600 --> 00:47:23,480
Speaker 2: dating like this makes sense to me. But the amount

1053
00:47:23,560 --> 00:47:26,920
Speaker 2: of people that approach you and you're like, what, how

1054
00:47:26,920 --> 00:47:29,800
Speaker 2: did you even get my profile? This makes no sense

1055
00:47:29,880 --> 00:47:32,360
Speaker 2: for either of us. It gives me the ick, but

1056
00:47:32,440 --> 00:47:35,080
Speaker 2: I think it's I think it's important to support it

1057
00:47:35,160 --> 00:47:37,520
Speaker 2: as well, because you know, you hear us doing our

1058
00:47:37,520 --> 00:47:40,239
Speaker 2: budget direct money wins and confessions, and at the end

1059
00:47:40,239 --> 00:47:42,400
Speaker 2: of the day, that's what's paying to get my team

1060
00:47:42,719 --> 00:47:46,040
Speaker 2: to you guys. That's what's putting the content on board,

1061
00:47:46,280 --> 00:47:48,839
Speaker 2: Like we're not, you know, as she's on the money,

1062
00:47:48,840 --> 00:47:50,880
Speaker 2: and I'm sure you're exactly the same. Like that's the

1063
00:47:50,960 --> 00:47:55,840
Speaker 2: content that is keeping my entire team employed, not just employed,

1064
00:47:55,840 --> 00:47:58,799
Speaker 2: but employed at wages that I'm really proud of as

1065
00:47:58,800 --> 00:48:01,960
Speaker 2: a small business. And I get to look after them

1066
00:48:02,080 --> 00:48:05,120
Speaker 2: and enjoy their company, but also they get to invest

1067
00:48:05,160 --> 00:48:08,440
Speaker 2: in my business, Like this is so much bigger than

1068
00:48:08,440 --> 00:48:10,680
Speaker 2: what I think people think it is. And do you

1069
00:48:10,760 --> 00:48:13,680
Speaker 2: know what's most disappointing complete sidetrack is like you do

1070
00:48:13,760 --> 00:48:15,520
Speaker 2: this content and I'll post like a picture of my

1071
00:48:15,640 --> 00:48:18,560
Speaker 2: dog and it gets fifty billion likes, and then I

1072
00:48:18,640 --> 00:48:21,360
Speaker 2: like post my sponsored content and like I get one like,

1073
00:48:21,400 --> 00:48:25,640
Speaker 2: and I'm like, please just support my stuff, Like that's

1074
00:48:25,680 --> 00:48:27,440
Speaker 2: what's paying for the dog goss.

1075
00:48:29,000 --> 00:48:31,520
Speaker 6: No, You're so right, though, And I think the one

1076
00:48:31,560 --> 00:48:33,640
Speaker 6: thing that makes me feel okay with doing any kind

1077
00:48:33,680 --> 00:48:37,160
Speaker 6: of collaborations is that I give so much free content.

1078
00:48:37,960 --> 00:48:41,480
Speaker 6: I do Instagram captions and I do stories all the time,

1079
00:48:41,520 --> 00:48:43,960
Speaker 6: and I do tiktoks that take a really long time

1080
00:48:44,000 --> 00:48:46,080
Speaker 6: to film, and I have a newsletter and a blog

1081
00:48:46,120 --> 00:48:47,799
Speaker 6: and I have all this stuff that I give for

1082
00:48:47,920 --> 00:48:51,880
Speaker 6: free and that takes time, and that takes time away

1083
00:48:51,880 --> 00:48:53,799
Speaker 6: from where I could be spending that one on one

1084
00:48:53,840 --> 00:48:56,200
Speaker 6: time with clients that would be paying me money. So

1085
00:48:56,280 --> 00:48:58,399
Speaker 6: that's kind of how I guess like I've made peace

1086
00:48:58,440 --> 00:49:00,320
Speaker 6: with that if I do you know, a collobs option

1087
00:49:00,520 --> 00:49:03,480
Speaker 6: or a paid partnership here and there, that really helps

1088
00:49:03,520 --> 00:49:06,640
Speaker 6: me kind of transactionally justify the time that I'm putting

1089
00:49:06,640 --> 00:49:10,040
Speaker 6: into social media, which yes, helps me with lead generation anyway.

1090
00:49:10,120 --> 00:49:13,120
Speaker 6: But I would probably say I do maybe eight to

1091
00:49:13,200 --> 00:49:16,880
Speaker 6: ten hours a week at least specifically on social media stuff.

1092
00:49:16,920 --> 00:49:18,239
Speaker 5: So doing my you know.

1093
00:49:18,200 --> 00:49:23,680
Speaker 6: Infographics in canber, posting, drafting captions, replying to every single DM,

1094
00:49:23,719 --> 00:49:25,080
Speaker 6: doing stories all of the time.

1095
00:49:25,400 --> 00:49:26,720
Speaker 5: It's a lot of time.

1096
00:49:26,960 --> 00:49:30,480
Speaker 6: And that's I'm not even an actual influencer in terms

1097
00:49:30,520 --> 00:49:33,800
Speaker 6: of like that's my you know, business or a valid

1098
00:49:33,800 --> 00:49:36,320
Speaker 6: in pome stream the people that do this full time,

1099
00:49:36,400 --> 00:49:40,000
Speaker 6: like it's not as easy as like, look, there's a

1100
00:49:40,000 --> 00:49:41,000
Speaker 6: whole thing going on at the moment.

1101
00:49:41,040 --> 00:49:42,120
Speaker 5: I don't know if you guys have seen.

1102
00:49:43,280 --> 00:49:46,120
Speaker 2: You're gonna getting canceled. It's gonna take a snippet from this.

1103
00:49:46,760 --> 00:49:48,279
Speaker 2: Do you know how hard it is to be?

1104
00:49:48,680 --> 00:49:52,239
Speaker 6: There are so far harder jobs absolutely, But I think

1105
00:49:52,280 --> 00:49:55,560
Speaker 6: people have this impression that you know, influencing or being

1106
00:49:55,560 --> 00:49:58,040
Speaker 6: a content creator is like easy, and it's just you

1107
00:49:58,120 --> 00:49:59,480
Speaker 6: just get given all this stuff and you have to

1108
00:49:59,480 --> 00:50:02,080
Speaker 6: take a quick photo like there actually.

1109
00:50:01,760 --> 00:50:03,040
Speaker 5: Is a lot more time behind it.

1110
00:50:03,160 --> 00:50:06,359
Speaker 6: Especially you know in accounts like ours where we are

1111
00:50:06,440 --> 00:50:09,200
Speaker 6: very community based, it's not just post the photo and

1112
00:50:09,280 --> 00:50:10,640
Speaker 6: leave and someone does it for you.

1113
00:50:10,719 --> 00:50:12,480
Speaker 5: It's you have to create that trust.

1114
00:50:12,520 --> 00:50:14,799
Speaker 6: You have to have those conversations, you do have to

1115
00:50:14,840 --> 00:50:16,520
Speaker 6: reply to all of the dms, you have to be

1116
00:50:16,600 --> 00:50:19,759
Speaker 6: thoughtful about your captions, and you know, for me, like

1117
00:50:20,120 --> 00:50:21,760
Speaker 6: this is a way that I can reach a broader

1118
00:50:21,760 --> 00:50:24,480
Speaker 6: amount of people and genuinely make a difference. And that

1119
00:50:24,520 --> 00:50:26,719
Speaker 6: makes me feel really good and really proud that I

1120
00:50:26,800 --> 00:50:30,080
Speaker 6: have a platform that people care what I have to say.

1121
00:50:30,120 --> 00:50:31,920
Speaker 6: Like that just blows my mind that I wake up

1122
00:50:31,960 --> 00:50:35,280
Speaker 6: and I post thissally little Instagram caption and like people

1123
00:50:35,320 --> 00:50:37,400
Speaker 6: tell me like, oh wow, that's like blown my mind

1124
00:50:37,520 --> 00:50:39,560
Speaker 6: or my life is better because of this one thing

1125
00:50:39,560 --> 00:50:42,080
Speaker 6: that you said, and that like gets me so emotional.

1126
00:50:42,120 --> 00:50:45,279
Speaker 2: Sometimes I find it's so interesting because if you go

1127
00:50:45,400 --> 00:50:48,040
Speaker 2: back like five or six years, obviously I did not

1128
00:50:48,280 --> 00:50:50,719
Speaker 2: have any kind of profile and nobody would have paid

1129
00:50:50,719 --> 00:50:54,080
Speaker 2: me to make content like no chance, Like my old Instagram,

1130
00:50:54,080 --> 00:50:56,440
Speaker 2: there's a reason it's blocked and deleted like it was.

1131
00:50:56,719 --> 00:50:58,880
Speaker 2: It was embarrassing. I was using those like in built

1132
00:50:58,880 --> 00:51:01,560
Speaker 2: filters and stuff just one out of ten will not recommend.

1133
00:51:01,560 --> 00:51:04,239
Speaker 2: I was also using like smiley faces and being like

1134
00:51:04,320 --> 00:51:08,680
Speaker 2: hanging out with the gals like ill Anyway, I feel

1135
00:51:08,719 --> 00:51:12,480
Speaker 2: like it's real pervy because obviously most people don't experience

1136
00:51:12,520 --> 00:51:14,320
Speaker 2: that side of it. It's not to say it's hard,

1137
00:51:14,440 --> 00:51:16,960
Speaker 2: but Jess, this is a question for you. What does

1138
00:51:17,080 --> 00:51:19,759
Speaker 2: a brand like you know, if we're doing one sponsored

1139
00:51:19,800 --> 00:51:22,600
Speaker 2: Instagram prost, what's that process look like? Because I feel

1140
00:51:22,600 --> 00:51:23,360
Speaker 2: like people want to know.

1141
00:51:24,400 --> 00:51:26,440
Speaker 4: Oh, well, actually, I was going to say before when

1142
00:51:26,480 --> 00:51:28,640
Speaker 4: you said people don't realize how much time it takes.

1143
00:51:28,640 --> 00:51:31,480
Speaker 4: My full time job revolves around content like you pay

1144
00:51:31,520 --> 00:51:34,200
Speaker 4: me to do that every day. I think there's a

1145
00:51:34,239 --> 00:51:37,759
Speaker 4: lot involved behind the scenes that you know. Sometimes you're oh,

1146
00:51:37,800 --> 00:51:40,399
Speaker 4: it's like a peach thing with some text on it,

1147
00:51:40,440 --> 00:51:42,520
Speaker 4: like how much time could that actually take you?

1148
00:51:42,600 --> 00:51:43,799
Speaker 2: But I mean for.

1149
00:51:43,840 --> 00:51:47,240
Speaker 4: Us personally, you start conceptualizing it and you go, Okay,

1150
00:51:47,280 --> 00:51:50,600
Speaker 4: what are we talking about? What's Sometimes it's responsive to

1151
00:51:50,640 --> 00:51:52,160
Speaker 4: something in the media. We get a lot of people

1152
00:51:52,239 --> 00:51:54,759
Speaker 4: damning us saying, can you talk about this thing that

1153
00:51:54,800 --> 00:51:56,839
Speaker 4: I've seen? Can you talk about this new product? Can

1154
00:51:56,880 --> 00:52:00,719
Speaker 4: you talk about the implications of these changes? And we

1155
00:52:00,840 --> 00:52:02,759
Speaker 4: view that as a kind of a big part of

1156
00:52:02,800 --> 00:52:04,640
Speaker 4: what we do is to educate and to help people

1157
00:52:04,719 --> 00:52:08,200
Speaker 4: understand those things. So we go, okay, concept, what is it?

1158
00:52:08,560 --> 00:52:11,760
Speaker 4: And then you go, how complicated is that concept? Because

1159
00:52:12,160 --> 00:52:14,320
Speaker 4: the whole point is that we want people to be

1160
00:52:14,360 --> 00:52:17,280
Speaker 4: able to understand things easily. Right, So then you're taking time,

1161
00:52:18,160 --> 00:52:20,759
Speaker 4: I guess, breaking that concept down and making it a

1162
00:52:20,800 --> 00:52:24,160
Speaker 4: bit more digestible, hopefully making it a bit fun and interesting.

1163
00:52:24,600 --> 00:52:27,719
Speaker 4: So then you have this concept that's become this kind

1164
00:52:27,719 --> 00:52:31,399
Speaker 4: of more simplistic version of itself. And from there you go, okay, well,

1165
00:52:31,760 --> 00:52:34,120
Speaker 4: how do I represent that in a way that's visually engaging.

1166
00:52:34,160 --> 00:52:36,280
Speaker 4: And that's the design and you have to put that together.

1167
00:52:36,320 --> 00:52:39,440
Speaker 4: Whether it's shooting a photo which involves you know, getting

1168
00:52:39,680 --> 00:52:42,319
Speaker 4: props or setting it up and doing lighting and it's

1169
00:52:42,480 --> 00:52:45,520
Speaker 4: a whole thing, or it's a text post or something

1170
00:52:45,520 --> 00:52:48,000
Speaker 4: that you design, and then it's graphics and text and

1171
00:52:48,040 --> 00:52:50,200
Speaker 4: making sure that the contrast is right, making sure that

1172
00:52:50,239 --> 00:52:52,239
Speaker 4: it's appealing and making sure that it fits in, and

1173
00:52:53,000 --> 00:52:55,040
Speaker 4: there are all of these I guess, little working parts

1174
00:52:55,040 --> 00:52:56,839
Speaker 4: in the background that go into it. And then once

1175
00:52:56,920 --> 00:52:59,640
Speaker 4: that's done, there's the copy and it's you know, what

1176
00:52:59,680 --> 00:53:02,160
Speaker 4: are the words? How are we communicating? What are we saying?

1177
00:53:02,160 --> 00:53:04,080
Speaker 4: And right now I feel like I'm just spewing words

1178
00:53:04,120 --> 00:53:06,319
Speaker 4: out And sometimes when I'm writing caption, that's how I feel.

1179
00:53:06,400 --> 00:53:08,080
Speaker 4: So you write the caption and you go, oh my god,

1180
00:53:08,160 --> 00:53:09,719
Speaker 4: no one's going to read that. So you have to

1181
00:53:09,719 --> 00:53:10,960
Speaker 4: go back and you have to like edit it all

1182
00:53:10,960 --> 00:53:13,279
Speaker 4: down and you take out all the extra exclamation marks

1183
00:53:13,280 --> 00:53:16,480
Speaker 4: because I overuse exclamation marks. I get in trouble for it,

1184
00:53:16,880 --> 00:53:19,040
Speaker 4: and so it's like pairing it back. So sometimes you

1185
00:53:19,080 --> 00:53:20,880
Speaker 4: do all of this work and you go, oh shit,

1186
00:53:20,920 --> 00:53:22,799
Speaker 4: like I've got to like take half of that work

1187
00:53:22,880 --> 00:53:25,080
Speaker 4: out to make it digestible, to make it interesting, to

1188
00:53:25,120 --> 00:53:28,560
Speaker 4: make it consumable because everybody moves so quickly. You know,

1189
00:53:28,800 --> 00:53:32,439
Speaker 4: videos can be seven seconds and people go, that's too long,

1190
00:53:32,920 --> 00:53:35,640
Speaker 4: But seven seconds is not a lot of time to

1191
00:53:35,719 --> 00:53:39,200
Speaker 4: be able to explain this big overarching concept that we

1192
00:53:39,239 --> 00:53:41,840
Speaker 4: started with and broke down and then wrote. And so

1193
00:53:42,080 --> 00:53:43,880
Speaker 4: the whole time that you're doing all of these things,

1194
00:53:43,920 --> 00:53:47,640
Speaker 4: you're thinking about, is this doing its job? Is this

1195
00:53:47,719 --> 00:53:50,760
Speaker 4: piece of content helping somebody? Is this piece of content

1196
00:53:50,920 --> 00:53:54,760
Speaker 4: making somebody feel good? Is this piece of content leaving

1197
00:53:54,760 --> 00:53:58,240
Speaker 4: the world. I guess it's very dramatic, but like making

1198
00:53:58,239 --> 00:54:01,759
Speaker 4: an impressional leaving my page or my follower in a

1199
00:54:01,760 --> 00:54:03,839
Speaker 4: bed position than they were before they saw that piece

1200
00:54:03,840 --> 00:54:06,080
Speaker 4: of content. And it's a lot of moving parts. And

1201
00:54:06,760 --> 00:54:08,759
Speaker 4: I can totally see how you go, oh, someone just

1202
00:54:08,800 --> 00:54:10,799
Speaker 4: like picks up a phone and goes and product. But

1203
00:54:10,880 --> 00:54:14,960
Speaker 4: it's really not that simple, particularly in space is like ours,

1204
00:54:15,000 --> 00:54:20,320
Speaker 4: where the passion lies in educating and helping people. And

1205
00:54:20,360 --> 00:54:22,080
Speaker 4: I mean, I don't know if we've exactly got it right.

1206
00:54:22,120 --> 00:54:24,040
Speaker 4: If you've ever seen our Instagram and you have feedback,

1207
00:54:24,040 --> 00:54:25,040
Speaker 4: I'm all here for it.

1208
00:54:26,160 --> 00:54:28,319
Speaker 2: Be kind. I am softer to cry.

1209
00:54:29,920 --> 00:54:31,960
Speaker 4: But yeah, there are a lot of working parts to that,

1210
00:54:32,160 --> 00:54:35,480
Speaker 4: and I guess, especially as a small business, there are

1211
00:54:35,520 --> 00:54:37,440
Speaker 4: a lot of things that you have to consider about that.

1212
00:54:37,840 --> 00:54:40,080
Speaker 6: Yeah, it takes a lot more time than I ever

1213
00:54:40,239 --> 00:54:42,360
Speaker 6: envision and look, I would love to not have to

1214
00:54:42,400 --> 00:54:44,560
Speaker 6: do it. And that's one thing that I've really kind

1215
00:54:44,560 --> 00:54:46,520
Speaker 6: of over the last few years, tried to pull back

1216
00:54:46,560 --> 00:54:49,960
Speaker 6: slowly and not be so content heavy and not like

1217
00:54:50,200 --> 00:54:52,480
Speaker 6: feel like I have to take selfies for a living,

1218
00:54:52,719 --> 00:54:56,760
Speaker 6: you know, because I don't really consider myself an influencer.

1219
00:54:56,760 --> 00:54:58,920
Speaker 6: While I do that a little bit, tiny little bit,

1220
00:54:59,040 --> 00:55:01,680
Speaker 6: like I'm a I'm a coach. That's what I do.

1221
00:55:01,760 --> 00:55:05,160
Speaker 6: That's what I'm passionate about. Putting content out there helps

1222
00:55:05,200 --> 00:55:08,040
Speaker 6: reach people that will either potentially become clients for me

1223
00:55:08,280 --> 00:55:11,040
Speaker 6: or I will just help them. And I really love

1224
00:55:11,080 --> 00:55:13,759
Speaker 6: the ability to do that, so I think like it's

1225
00:55:13,760 --> 00:55:16,040
Speaker 6: a blessing and a curse, the whole social media thing.

1226
00:55:16,320 --> 00:55:18,759
Speaker 6: I think, you know, it's been so wonderful for me.

1227
00:55:18,800 --> 00:55:20,880
Speaker 6: It's helped me build a community, as you guys would know,

1228
00:55:20,920 --> 00:55:22,959
Speaker 6: like even with your Facebook group and things you can,

1229
00:55:23,239 --> 00:55:25,279
Speaker 6: you can connect to all these people, like I have

1230
00:55:25,360 --> 00:55:28,080
Speaker 6: more interstate clients than clients in Brisbane, which is so

1231
00:55:28,200 --> 00:55:29,880
Speaker 6: crazy to me that I'm like, how did these people

1232
00:55:29,920 --> 00:55:32,080
Speaker 6: find me? And people from other countries And I'm like,

1233
00:55:32,400 --> 00:55:34,279
Speaker 6: this is so cool that these people find me and

1234
00:55:34,320 --> 00:55:36,440
Speaker 6: want to work with me, and they wouldn't they wouldn't

1235
00:55:36,480 --> 00:55:38,400
Speaker 6: have seen me if it wasn't for social media. But

1236
00:55:38,440 --> 00:55:41,120
Speaker 6: also sometimes it is really tiring, and sometimes I wish

1237
00:55:41,200 --> 00:55:43,120
Speaker 6: I didn't have to do it, and I should probably

1238
00:55:43,160 --> 00:55:45,400
Speaker 6: think about investing in things like maybe Google ads and

1239
00:55:45,440 --> 00:55:47,080
Speaker 6: Facebook ads and not have to get all my.

1240
00:55:47,120 --> 00:55:48,080
Speaker 5: Leads through socials.

1241
00:55:48,120 --> 00:55:50,600
Speaker 6: Maybe, but for now, you know, it's one of those

1242
00:55:50,640 --> 00:55:52,480
Speaker 6: things that it's a means to an end and it

1243
00:55:52,520 --> 00:55:54,680
Speaker 6: helps me do what I really love and it helps

1244
00:55:54,719 --> 00:55:58,120
Speaker 6: me genuinely help people. So even though the avenue is

1245
00:55:58,200 --> 00:56:00,440
Speaker 6: kind of a fluffy little like hey me in my

1246
00:56:00,440 --> 00:56:04,560
Speaker 6: little seven second tiktog video, like, I know that the

1247
00:56:04,560 --> 00:56:07,719
Speaker 6: things that come from that and the clients that I

1248
00:56:07,880 --> 00:56:10,319
Speaker 6: garner from that, that I can genuinely help one on one,

1249
00:56:10,400 --> 00:56:14,080
Speaker 6: like I'm really helping them, and I just feel so

1250
00:56:14,120 --> 00:56:16,040
Speaker 6: blessed that I even have the ability to do that.

1251
00:56:16,160 --> 00:56:18,279
Speaker 4: I have one last question before we go, because I

1252
00:56:18,280 --> 00:56:20,759
Speaker 4: can see that we're running very close to overtime.

1253
00:56:20,960 --> 00:56:23,320
Speaker 5: Can chat? Yeah, we can want to.

1254
00:56:23,360 --> 00:56:24,759
Speaker 2: I want to add to that, though, do not. My

1255
00:56:24,800 --> 00:56:27,200
Speaker 2: favorite part about all of that stuff that you explained

1256
00:56:27,360 --> 00:56:30,000
Speaker 2: was is that when you then include a client and

1257
00:56:30,320 --> 00:56:32,080
Speaker 2: just sends the content to the client, they're like, no,

1258
00:56:32,239 --> 00:56:33,959
Speaker 2: we don't like it, but we can't put our finger

1259
00:56:34,040 --> 00:56:37,200
Speaker 2: on it. Like what what do you mean, they're like, yeah,

1260
00:56:37,200 --> 00:56:39,600
Speaker 2: if you could just remake that entire video where you

1261
00:56:39,680 --> 00:56:42,200
Speaker 2: baked a cake and then smashed the cake and then

1262
00:56:42,320 --> 00:56:45,239
Speaker 2: like customize the whole thing to our brand. Yeah, we're

1263
00:56:45,239 --> 00:56:47,959
Speaker 2: just not sure about it. And then just does another

1264
00:56:47,960 --> 00:56:49,680
Speaker 2: one and then they're like, maybe just go with the

1265
00:56:49,680 --> 00:56:53,120
Speaker 2: first one. Yeah, it sucks, It sucks. And then did

1266
00:56:53,160 --> 00:56:55,520
Speaker 2: you have you guys seen a video on Jess's social

1267
00:56:55,560 --> 00:56:57,880
Speaker 2: media it's a us net a smash room. Yea, it

1268
00:56:58,000 --> 00:57:00,200
Speaker 2: was after that happened. Jess, like, I think kind to

1269
00:57:00,239 --> 00:57:03,520
Speaker 2: break something else, my babe. Let's go break something all right.

1270
00:57:03,560 --> 00:57:05,680
Speaker 4: The last question I have before we let you go

1271
00:57:06,120 --> 00:57:08,279
Speaker 4: is you know you said you're wearing two hats to

1272
00:57:08,320 --> 00:57:10,239
Speaker 4: influence the hat and a small business owner hat. And

1273
00:57:10,320 --> 00:57:12,280
Speaker 4: we know that a lot of people in our community

1274
00:57:12,280 --> 00:57:14,520
Speaker 4: are small business owners. I don't know if anybody out

1275
00:57:14,520 --> 00:57:17,919
Speaker 4: there tonight is a small business owner, but yes, there

1276
00:57:17,920 --> 00:57:20,800
Speaker 4: we go. But sometimes I think it can be hard

1277
00:57:21,000 --> 00:57:22,600
Speaker 4: for small business owners. And this is something that we

1278
00:57:22,640 --> 00:57:27,040
Speaker 4: struggle with as well, that level of I guess self

1279
00:57:27,080 --> 00:57:31,360
Speaker 4: promotion or confidence in yourself or producing that video or

1280
00:57:31,480 --> 00:57:34,320
Speaker 4: taking that photo and putting yourself out there, especially when

1281
00:57:34,360 --> 00:57:36,600
Speaker 4: you're starting out and it's you logging into your other

1282
00:57:36,640 --> 00:57:38,919
Speaker 4: account to comment on your own content, so it looks

1283
00:57:38,960 --> 00:57:39,960
Speaker 4: like someone enjoyed it.

1284
00:57:40,200 --> 00:57:42,600
Speaker 2: That doesn't exist anymore because my partner told me I

1285
00:57:42,600 --> 00:57:44,360
Speaker 2: how to delete it because creepy.

1286
00:57:45,720 --> 00:57:49,840
Speaker 4: But how should small businesses deal with those those feelings?

1287
00:57:49,840 --> 00:57:52,520
Speaker 4: Because sometimes it can be really hard to show up

1288
00:57:52,560 --> 00:57:54,400
Speaker 4: and to put something out there when you feel like

1289
00:57:54,480 --> 00:57:56,960
Speaker 4: people aren't enjoying it or aren't receiving it. Is there

1290
00:57:56,960 --> 00:58:00,200
Speaker 4: any last piece of advice that you can give to

1291
00:58:00,200 --> 00:58:02,200
Speaker 4: people who might be going through that struggle?

1292
00:58:03,000 --> 00:58:05,200
Speaker 5: That was a big question. I look.

1293
00:58:05,360 --> 00:58:07,800
Speaker 6: I think any small business owners, or really anyone that

1294
00:58:07,840 --> 00:58:09,960
Speaker 6: you have to put yourself out there would would know.

1295
00:58:10,240 --> 00:58:13,480
Speaker 6: There's so much I guess imposter syndrome that sometimes comes

1296
00:58:13,480 --> 00:58:16,360
Speaker 6: with these things that it's like, why would anyone invest

1297
00:58:16,400 --> 00:58:18,200
Speaker 6: in me? Why would anyone want to work with me?

1298
00:58:18,320 --> 00:58:20,800
Speaker 6: When there are so many other people doing this, and

1299
00:58:21,320 --> 00:58:23,400
Speaker 6: you know, there are so many other counselors, and there

1300
00:58:23,400 --> 00:58:25,520
Speaker 6: are so many other coaches out there, And I've really

1301
00:58:25,560 --> 00:58:28,120
Speaker 6: tried to make sure that I am trying my very

1302
00:58:28,120 --> 00:58:31,080
Speaker 6: hardest to offer something that is unique. But you know,

1303
00:58:31,200 --> 00:58:33,880
Speaker 6: sometimes you can't have something perfectly unique and you are

1304
00:58:33,960 --> 00:58:37,280
Speaker 6: offering something that other people do. So really try and

1305
00:58:37,320 --> 00:58:39,640
Speaker 6: sit with yourself as to like, why would I want

1306
00:58:39,640 --> 00:58:41,840
Speaker 6: people to invest in me or my business or my

1307
00:58:41,960 --> 00:58:44,120
Speaker 6: service or my products whatever it is that you're trying

1308
00:58:44,160 --> 00:58:47,439
Speaker 6: to kind of get people into, And is it something

1309
00:58:47,480 --> 00:58:50,680
Speaker 6: that I'm proud of? Would I do this anyway even

1310
00:58:50,720 --> 00:58:53,760
Speaker 6: if I, you know, only had five clients? And for me,

1311
00:58:53,880 --> 00:58:57,200
Speaker 6: the answer is absolutely yes. This is, you know, a job,

1312
00:58:57,320 --> 00:58:59,240
Speaker 6: especially now that in the last few years I've gotten

1313
00:58:59,240 --> 00:59:03,080
Speaker 6: more into the accounts space and I've worked really hard

1314
00:59:03,120 --> 00:59:06,120
Speaker 6: to curate the nature and the niche of my business

1315
00:59:06,120 --> 00:59:08,680
Speaker 6: into body image and eating issues, which is something I

1316
00:59:08,760 --> 00:59:11,960
Speaker 6: used to struggle with a lot myself. And the biggest

1317
00:59:11,960 --> 00:59:14,440
Speaker 6: thing for me is that I am now the person

1318
00:59:14,480 --> 00:59:18,840
Speaker 6: that I really needed five years ago that wasn't around

1319
00:59:18,880 --> 00:59:21,080
Speaker 6: at the time. And that makes me so proud to

1320
00:59:21,120 --> 00:59:24,520
Speaker 6: think of like me five years ago, my past self,

1321
00:59:25,160 --> 00:59:28,120
Speaker 6: like I can now do that for other people, and

1322
00:59:28,160 --> 00:59:30,200
Speaker 6: I know that that's like such a blessing and maybe

1323
00:59:30,240 --> 00:59:33,600
Speaker 6: not totally transferable to what every single other business owners does,

1324
00:59:33,600 --> 00:59:36,640
Speaker 6: but are you solving a problem that can help someone?

1325
00:59:36,840 --> 00:59:39,720
Speaker 6: And if you help one person or five people, that

1326
00:59:39,840 --> 00:59:42,880
Speaker 6: is still so worth it. Yes, Obviously, profitability comes into it,

1327
00:59:42,920 --> 00:59:46,080
Speaker 6: and you need to support yourself. But if you're passionate

1328
00:59:46,120 --> 00:59:48,360
Speaker 6: about what you do, if you believe in yourself, and

1329
00:59:48,400 --> 00:59:51,120
Speaker 6: if you can back yourself and say, like I am

1330
00:59:51,160 --> 00:59:54,480
Speaker 6: passionate about this, this aligns with my values. This represents

1331
00:59:54,520 --> 00:59:57,400
Speaker 6: the person I want to be. Whether you succeed or

1332
00:59:57,400 --> 00:59:59,280
Speaker 6: whether you fail, I think you'll still have something to

1333
00:59:59,280 --> 00:59:59,840
Speaker 6: be proud of.

1334
01:00:00,080 --> 01:00:02,240
Speaker 5: So you know, it just keeps you moving forward.

1335
01:00:02,280 --> 01:00:04,080
Speaker 6: So for me, when I have quiet weeks or I

1336
01:00:04,080 --> 01:00:06,000
Speaker 6: don't have a lot of clients, there are definitely lolls

1337
01:00:06,040 --> 01:00:08,640
Speaker 6: in the year where things quite and down, I always

1338
01:00:08,720 --> 01:00:10,960
Speaker 6: come back to this is a job that makes me

1339
01:00:11,080 --> 01:00:14,040
Speaker 6: so proud to do what I do, and I genuinely

1340
01:00:14,080 --> 01:00:15,160
Speaker 6: touch lives, And like.

1341
01:00:15,160 --> 01:00:17,160
Speaker 5: You know, I'm not perfect.

1342
01:00:17,240 --> 01:00:19,400
Speaker 6: I'm not the very best counselor or you know, the

1343
01:00:19,440 --> 01:00:21,880
Speaker 6: most experienced in the whole world, but I know that

1344
01:00:21,920 --> 01:00:24,200
Speaker 6: what I do is really impactful. And at the end

1345
01:00:24,240 --> 01:00:26,600
Speaker 6: of the day, I sleep while knowing like I've worked

1346
01:00:26,600 --> 01:00:29,040
Speaker 6: my butt off for this and that I know I'm

1347
01:00:29,040 --> 01:00:31,080
Speaker 6: doing something good in the world that just makes me

1348
01:00:31,120 --> 01:00:34,200
Speaker 6: so happy. So like there will always be moments of doubt,

1349
01:00:34,200 --> 01:00:36,560
Speaker 6: there will always be times that you question yourself or your.

1350
01:00:36,400 --> 01:00:38,560
Speaker 5: Skills or your abilities or whatever it might be.

1351
01:00:38,640 --> 01:00:41,720
Speaker 6: But if you're doing something that you really really care about,

1352
01:00:42,600 --> 01:00:45,960
Speaker 6: it's worth failing. It's worth risking it because at least

1353
01:00:46,000 --> 01:00:48,080
Speaker 6: you tried, and you tried with something that you really

1354
01:00:48,120 --> 01:00:50,920
Speaker 6: care about, And isn't that like so much better than

1355
01:00:50,960 --> 01:00:52,600
Speaker 6: just like doing a boring job that you just don't

1356
01:00:52,600 --> 01:00:53,400
Speaker 6: give a crap about.

1357
01:00:54,280 --> 01:00:58,160
Speaker 2: I could not agree more. We have one We're girl

1358
01:00:58,160 --> 01:01:02,560
Speaker 2: who also agrees. Sammy, I have adored talking to you

1359
01:01:02,680 --> 01:01:06,120
Speaker 2: as always, but unfortunately I do think that that is

1360
01:01:06,160 --> 01:01:09,040
Speaker 2: all we have time for. So a round of applause

1361
01:01:09,120 --> 01:01:13,960
Speaker 2: for Sammy and a thank you for joining us. I

1362
01:01:14,000 --> 01:01:16,440
Speaker 2: also want to say a really good thank you. This

1363
01:01:16,480 --> 01:01:19,160
Speaker 2: is our very last show, So first big thank you

1364
01:01:19,280 --> 01:01:22,840
Speaker 2: is to my team. They are so incredibly supportive. If

1365
01:01:22,840 --> 01:01:25,520
Speaker 2: I look at her, I'll cry. And they have followed

1366
01:01:25,520 --> 01:01:28,360
Speaker 2: me literally around the country this week to make sure

1367
01:01:28,560 --> 01:01:30,720
Speaker 2: that that she's on the Money community has been looked

1368
01:01:30,760 --> 01:01:34,240
Speaker 2: after and everything is smooth sailing. They have bent over

1369
01:01:34,360 --> 01:01:37,360
Speaker 2: backwards for me. So shout out to them and a

1370
01:01:37,400 --> 01:01:44,120
Speaker 2: round of applause for that She's on the Money team.

1371
01:01:44,120 --> 01:01:47,160
Speaker 2: A very very special thank you to our guest Sammy,

1372
01:01:47,280 --> 01:01:51,440
Speaker 2: you are an angel and an absolute inspiration. And also

1373
01:01:51,960 --> 01:01:55,360
Speaker 2: a very big thank you to our gorgeous interpreters Bella

1374
01:01:55,480 --> 01:01:59,480
Speaker 2: and Sarah.

1375
01:02:00,000 --> 01:02:02,080
Speaker 4: All Right, we're gonna go because it's really late. Thank

1376
01:02:02,120 --> 01:02:05,200
Speaker 4: you everybody for sticking around. Thank you Brisbane, you have

1377
01:02:05,280 --> 01:02:08,480
Speaker 4: been amazing and we'll see you all out there somewhere.

1378
01:02:18,920 --> 01:02:21,480
Speaker 2: The advice sheared on She's on the Money is general

1379
01:02:21,520 --> 01:02:25,360
Speaker 2: in nature and does not consider your individual circumstances. She's

1380
01:02:25,400 --> 01:02:28,880
Speaker 2: on the Money exists purely for educational purposes and should

1381
01:02:28,920 --> 01:02:32,080
Speaker 2: not be relied upon to make an investment or financial decision.

1382
01:02:32,480 --> 01:02:34,919
Speaker 2: If you do choose to buy a financial product, read

1383
01:02:34,960 --> 01:02:39,040
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

1384
01:02:39,120 --> 01:02:42,360
Speaker 2: your needs. Victoria Divine and She's on the Money are

1385
01:02:42,440 --> 01:02:47,479
Speaker 2: authorized representatives of Money. Sheirper Pty Ltd ABN three two

1386
01:02:47,480 --> 01:02:51,440
Speaker 2: one six four nine two seven seven zero eight AFSL

1387
01:02:51,600 --> 01:03:03,000
Speaker 2: four five one two eight nine