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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young

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Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay

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Speaker 1: In Mbina yakarum jar Dominyama, Domagahawakaman, damon Imlan Wumba bang

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Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank I acknowledge and respect the Aberiginal people's land

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Speaker 1: that we're gathering on today. Take pleasure in all the

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Speaker 1: land and respect all that you see. She's on the

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Speaker 1: Money podcast acknowledges culture, country, community and connections, bringing you

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Speaker 1: the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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

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Speaker 3: that makes personal finance fun.

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Speaker 2: Especially on Fridays. It is our favorite day of the

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Speaker 2: week because we.

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Speaker 3: Get our team together and it is our whole like

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Speaker 3: Little Friday's team, and we get to celebrate you the

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Speaker 3: incredible She's on the Money community. Miss Jess Gricci she's here.

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Speaker 3: She's sharing our favorite money wins. Miss Becksayed is back

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Speaker 3: from her gallivanting around Thailand, and we'll be sharing her

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Speaker 3: broke tips and we're going to be helping to answer

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Speaker 3: a money dilemma, which this week is asking what to

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Speaker 3: do when you can't get the insurance you want and

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Speaker 3: something that you lead into our dms about whether you

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Speaker 3: should leave your toxic workplace before you have another job

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Speaker 3: lined up. How have your week's been thus far?

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Speaker 4: Mine's been good, if you can tell. I am coming

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Speaker 4: off the back of being sick, so I am thrilled

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Speaker 4: to be up. But it is quite bad because my

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Speaker 4: boyfriend got sick. First, he got me sick, and I

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Speaker 4: was like, ah, the man flew. And then I got

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Speaker 4: a really nocked for six and he was like, oh

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Speaker 4: the man flew. So yeah, man flu, you get man flu,

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Speaker 4: don't eat. Karma came for me, as did the man flu.

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Speaker 4: But I'm feeling back and better than ever. I'm just

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Speaker 4: a little bit a little croky still, So sorry annoying, No,

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Speaker 4: you sound great.

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Speaker 2: Annoying.

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Speaker 3: In fact, I don't think anyone will be able to

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Speaker 3: tell you just pointed it out because you're probably self

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Speaker 3: conscious absolutely. Yeah, you sound absolutely fine.

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Speaker 2: And missfecs that nice. Yes, she's that. I'm back.

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Speaker 5: I had a gorgeous time. We were seeing Bangkok and

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Speaker 5: I hadn't been there before, so it was just so fun.

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Speaker 5: And I went like I went to Japan last year

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Speaker 5: and I was like, oh, nothing, we top that. But

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Speaker 5: then Bangkok honestly really came close. It's really really fun,

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Speaker 5: great food. There wasn't even a nano second where I

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Speaker 5: was hungry. I just did not stop eating. I didn't

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Speaker 5: let myself be hungry, you know. So I feel like

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Speaker 5: you might notice I'm a little bit chunkier.

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Speaker 2: I did not notice.

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Speaker 3: And I don't think that that's an accurate depiction of

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Speaker 3: how you've come home. I'm glowing and happy and ready

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Speaker 3: to take on the world.

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Speaker 2: They're so nice. Thank if you do.

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Speaker 6: And on that.

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Speaker 2: How is Yuie?

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Speaker 3: Oh honestly been live, love loving my way through October life.

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Speaker 3: I just I'm getting a bit tired.

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Speaker 2: I'm not going to lie.

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Speaker 3: I just feel like we have had a lot on

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Speaker 3: We've been doing a lot, working a lot. It feels

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Speaker 3: like Christmas is creeping up. I mean we've just been

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Speaker 3: recording some Christmas episodes and that feels honestly exciting because

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Speaker 3: like Jess loves Christmas.

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Speaker 2: We're all festive girl is.

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Speaker 3: But you know when you're like, oh, this is just

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Speaker 3: all happening too quick. What do you mean didn't twenty

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Speaker 3: twenty five just start? So I'm feeling a little bit

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Speaker 3: like and this is so silly. I feel like we

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Speaker 3: all go through this, this feeling of have I done

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Speaker 3: everything that I said I wanted to do this year?

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Speaker 3: And then I'm like no, oh my god, like what

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Speaker 3: have I got to finish? Which is so silly, so silly,

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Speaker 3: it's silly. It just feels like the years catching up. Yeah,

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Speaker 3: I totally get it, all right, would you hypothetically like,

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Speaker 3: get this, it's going to shock you.

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Speaker 2: A five star review?

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Speaker 3: Yeah, you didn't see that happen, But Renee Louise ninety

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Speaker 3: four did. She sent us a five star review via

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Speaker 3: Apple and it was entitled Empowered, and I was like, well,

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Speaker 3: this is the one for this week. Hi, she's on

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Speaker 3: the money. I've been listening to your podcast every day

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Speaker 3: now for the past month or two, and it's so

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Speaker 3: good to learn about money that is easy to understand.

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Speaker 3: We have done something similar a few years ago through

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Speaker 3: someone else and we were able to pay for our wedding,

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Speaker 3: pay off our credit card loans and other debts, have

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Speaker 3: savings and it was really good until I had medical

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Speaker 3: issues and had our daughter two and a half years ago.

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Speaker 3: As life goes on, we fell into a little bit

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Speaker 3: of debt again and we've gone back to some bad habits.

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Speaker 3: But after friends telling us about you guys and how

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Speaker 3: simple and easy you make it, I've just joined shares

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Speaker 3: this signed up to your money course and I've been

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Speaker 3: mapping out the next twelve to twenty four months, which

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Speaker 3: is so exciting. I feel motivated and happy to be

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Speaker 3: back on track.

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Speaker 2: Thank you. I really needed this. That's amazing, so cute,

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Speaker 2: that's lovely.

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Speaker 4: It just shows life is in seasons, and you know,

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Speaker 4: sometimes you're going great, sometimes you're going on as well

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Speaker 4: as you want, and it's okay totally.

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Speaker 2: Do you know what else? I thought?

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Speaker 3: And this is like maybe just me being a little

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Speaker 3: bit special, a little bit adhd, a little bit side questy.

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Speaker 3: Her name was renee Louise ninety four, and I was like,

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Speaker 3: that's such a ninety four middle name, Like my sister's

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Speaker 3: middle name is Louise. Every second person I know that

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Speaker 3: was born in nineteen ninety four, has a middle name Louise.

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Speaker 4: Just happens, true, just happens. One of my this is

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Speaker 4: so random. One of my most favorite teachers in primary school.

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Speaker 4: Her name was renee Louise oh renee Louise Cunningham. I

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Speaker 4: think it was her surname, but I think she got

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Speaker 4: married in a changed I can't remember.

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Speaker 2: But she was your favorite.

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Speaker 4: She was literally isn't it so funny how your favorite

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Speaker 4: teacher is like stick? Like I bet if I said

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Speaker 4: to who's your favorite teacher?

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Speaker 2: You guys, I got I remember. Oh yeah, it's mister

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Speaker 2: Simmons from grave Ve. You go, I have a least

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Speaker 2: favorite teacher.

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Speaker 3: His name's Matt Simmons. By the way, I think everybody

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Speaker 3: loved Dimbo. You know those teachers that like just were

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Speaker 3: everybody's favorite teacher.

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Speaker 2: Yeah, I reckon life by who missus derwent.

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Speaker 5: She was really mean to me and my brother, and

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Speaker 5: I don't want to play the card, but I think

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Speaker 5: it's because we're both Indian looking, but we're not Indian.

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Speaker 2: We're Bangladeshi. Actually it was about to say, you're not

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Speaker 2: even Indian, I know.

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Speaker 5: But she's still I think she thought that and she

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Speaker 5: didn't like us, so she was maybe a little bit racist.

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Speaker 5: She's on my hate list, not in being Indian, you know,

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Speaker 5: we were all India at one point, but she just

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Speaker 5: had like a real distaste for this.

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Speaker 2: Like I don't like her either.

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Speaker 3: I feel like there are like two types of people

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Speaker 3: in this world, and I'm type B. I think Jess

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Speaker 3: is also type B. Don't know, I think that you.

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Speaker 2: I don't know.

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Speaker 3: There are those people that would have been like, oh, well,

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Speaker 3: she was actually a really nice teacher. She didn't do

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Speaker 3: anything to me. She was so nice, And then there

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Speaker 3: are type B people where I'm like, we riode at Dawn.

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Speaker 2: Yeah, she was nice to me. She did what to you?

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Speaker 2: That's so nice?

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Speaker 7: Oh my god.

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Speaker 2: So she's on my cancel list as well. Thank you,

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Speaker 2: thank you you waiting thirty years I've been waiting to

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Speaker 2: put her on your list.

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Speaker 3: Let's jump back into the show. No more side quests

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Speaker 3: and it's just greachie. Can you share your favorite money

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Speaker 3: with absolutely?

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Speaker 2: I can.

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Speaker 1: So.

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Speaker 4: Firstly, this week I've got a money win from Ann

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Speaker 4: who said I returned to shampoo to Mecca that was

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Speaker 4: causing me to have an itchy scalp, and.

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Speaker 2: I got a refund.

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Speaker 4: Oh good, Just to remind everyone, Mecha, lets you do that, like,

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Speaker 4: you can test it if it's not for you. I

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Speaker 4: believe there are some t's and z's check the tz's,

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Speaker 4: but you can take things back, which I think is great.

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Speaker 2: But also it's so expensive these days.

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Speaker 3: And if you were like I'm going to buy a

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Speaker 3: shampoo at Mecca, like you're putting some pretty cold hard

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Speaker 3: cash up front. Absolutely, so good on you for standing

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Speaker 3: your values, because I'm not gonna lie. I would feel

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Speaker 3: awkward and put it in the back of my cupboard

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Speaker 3: and forget.

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Speaker 2: I owned it. Absolutely.

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Speaker 4: Next I've got a money in it from Amy, who

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Speaker 4: said she needed to buy all new plants on the

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Speaker 4: weekend as she was re landscaping her front yard. It

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Speaker 4: was going to be around four hundred dollars of plants

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Speaker 4: from Bunnings or the local nursery.

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Speaker 2: But then she found a.

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Speaker 4: Guy a marketplace get a little plant business from his garden,

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Speaker 4: and she bought most of the plants she needed for

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Speaker 4: two hundred and twenty dollars.

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Speaker 2: Also, that's really cute supporting to all business. It's how fun.

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Speaker 4: Next week, money went from Caitlind, who said money Win

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Speaker 4: had a successful no spend week. All I bought was

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Speaker 4: groceries and breakfast out with a friend. Well done, well done.

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Speaker 4: It's hard, you know what.

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Speaker 2: It's small, but it's hard.

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Speaker 4: And then I've got a money win this week from Tracy,

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Speaker 4: who took a leave out of bextbook and said she

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Speaker 4: changed her Netflix from a standard plan to the cheapest.

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Speaker 2: Yes, you're a reminder. Ads are not that bad.

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Speaker 3: I like what we're willing to compromise on, because if

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Speaker 3: I'd asked you that two years ago, you'd be like,

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Speaker 3: absolutely not.

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Speaker 2: You know, you're like, as on that bad. They're pretty nice,

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Speaker 2: you know what.

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Speaker 4: I'm hard up enough that I've taken out here at

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Speaker 4: the absolutely and honestly they don't come up often.

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Speaker 2: Yeah, times are changing that absolutely feto. We'll be watching

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Speaker 2: free to air TV so with a bad time.

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Speaker 4: Next, I've got a money win from Grace, who said

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Speaker 4: her new office building runs free fitness classes. She signed

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Speaker 4: up for her first pilates class on Tuesday morning.

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Speaker 2: Also, sorry, free pilates.

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Speaker 3: I thought you were thinking like it would just be

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Speaker 3: like the Les Mills old school fitness lass, so maybe

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Speaker 3: you weren't that interested in that's school.

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Speaker 4: That's a good office perk. I would say, whoever's office

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Speaker 4: is doing that, absolutely.

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Speaker 2: Signed me up.

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Speaker 4: And then lastly, this week, I've got a money win

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Speaker 4: from Rebecca who said counsel withdrew two parking fines because

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Speaker 4: she received them while their baby was in the nicqueue.

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Speaker 4: Oh god, it is not nice.

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Speaker 2: Good people.

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Speaker 4: Iby is okay, me too, and the saves are around

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Speaker 4: three hundred dollars. So money win for the pocket, hopefully

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Speaker 4: a life win for you guys because a bit of

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Speaker 4: stress gone and hopefully Bubba's doing okay.

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Speaker 2: Yes, well that's a good place to leave it.

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Speaker 3: Yeah, thank you, I love it, Miss Beck say ed, yes,

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Speaker 3: have you come back raging with some good broke tips

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Speaker 3: because I have had to carry this.

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Speaker 2: I don't want you to listen to the episodes, though,

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Speaker 2: so I should. I did my best, and sometimes you

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Speaker 2: know what your best is just not good enough. And

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Speaker 2: that's okay. But I think Beck would tell me it

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Speaker 2: was a good job, even if it was terrible job.

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Speaker 6: Yeah.

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Speaker 5: I haven't listened, but I'm sure you did do a

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Speaker 5: good job. But I will be listening and I will

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Speaker 5: be critiquing.

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Speaker 2: Can we toxically supportive?

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Speaker 3: That's so nice of coll like Beck could come into

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Speaker 3: this office and be like, man, I just hit someone

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Speaker 3: with my and I'd be like, babe, why were they

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Speaker 3: in front of your car?

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Speaker 2: Exactly? But I was on the path, the footpath. Yeah,

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Speaker 2: well why were they? Why were they there? Begs like

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Speaker 2: oh I failed to test, and I'd be like, oh

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Speaker 2: my god, why did they make it so hard?

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Speaker 4: Rude?

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Speaker 2: I really appreciate that, Okay, Jess.

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Speaker 5: I was a bit cheeky this week and I was

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Speaker 5: scrolling through the money wins color, but some of them

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Speaker 5: were really good, and so I just wanted to share that.

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Speaker 5: This first one comes from La, who says she was

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Speaker 5: unwell earlier this year. I do apologies. I hope you're okay.

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Speaker 5: She had to travel to and from Melbourne for treatment

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Speaker 5: quite a number of times. But there is a Victorian

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Speaker 5: Patient Travel Assistance Scheme VPTAS, so just rolls off the

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Speaker 5: tongue which provides some financial assistance for patients who have

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Speaker 5: to travel more than one hundred committers to access treatment.

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Speaker 2: I did not know about this, that's right that and

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Speaker 2: I'm glad that the community does now. Absolutely so.

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Speaker 5: I guess it's really also great for regional people because

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Speaker 5: I'm sure we have to come to and from Melbourne

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Speaker 5: every now and then.

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Speaker 2: And so the processing times are not super quick.

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Speaker 5: But she finally received the money and put us into savings,

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Speaker 5: which I think is great. It's kind of nice when

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Speaker 5: you can afford at the moment you know it's coming back,

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Speaker 5: and then it kind of just comes back when you

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Speaker 5: don't expect it.

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Speaker 2: Yeah, I'm like, oh my god, a bit of free money.

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Speaker 5: So it's the Victorian Patient Travel Assistance Scheme.

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Speaker 2: I love p t as Ye, you're right it does.

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Speaker 5: And this next, but also I do hope you're feeling

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Speaker 5: a lot better now, Ella. And so then I dipped

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Speaker 5: into my own thread, I say, little thread. This one

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Speaker 5: comes from Katie, who says I don't have a Seati

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Speaker 5: mobile or home internet plan. Instead I buy start simpacks

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Speaker 5: at woolorves or calls when they go on sale, usually

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Speaker 5: about nine to thirteen dollars for twenty eight days with

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Speaker 5: unlimited international calling. As I've got family overseas, as long

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Speaker 5: as I trade between providers every month, I can keep

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Speaker 5: the same number. It's a tiny bit cumbersome, but very cheap.

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Speaker 2: That is cheap.

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Speaker 5: That's nine dollars, say, for example, for a month. That's

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Speaker 5: your home and mobile because you just hotspot everything.

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Speaker 3: Yeah, and if you're willing to do the admin, that's

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Speaker 3: actually a really good money we need crazy Sorry, that's

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Speaker 3: so good. Oh do you know what I'm willing to do?

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Speaker 3: The admins sometimes to say unlimited you could run an empire.

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Speaker 5: Seriously, that's actually fantastic. My phone is ninety nine and

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Speaker 5: in today is seventy. So if you get rid of those,

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Speaker 5: Oh my god, that's genie.

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Speaker 2: Ninety nine dollars a month for your phone?

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Speaker 3: Is it like your phone and your phone bill like

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Speaker 3: the handset? Okay, all right, that's all reasonable. What do

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Speaker 3: you pay for your phone every month?

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Speaker 2: Jess? Thirty five dollars? Yes, same Aldi, No, no, Optis.

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Speaker 2: I'm with a voter phone. We do an annual team everyone.

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Speaker 4: If we did it once and then every yes, one goes,

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Speaker 4: hey guy, it's been about a check again.

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Speaker 2: Call your provider.

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Speaker 6: Get on the chat.

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Speaker 2: One day we were all literally, yeah, we were all

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Speaker 2: in the office. We weren't doing work. We were all

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Speaker 2: talking to like Optius chat, like Telstra chat. One of us.

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Speaker 2: I was on the voteraphone chat at that time, and

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Speaker 2: I was like, no, no, no, sorry, my friend is

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Speaker 2: actually talking to OPTAs she just got thirty five dollars.

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Speaker 2: I want thirty five.

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Speaker 3: They're desperate to keep you, yea, as they should be,

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Speaker 3: as they should be, because I'll leave.

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Speaker 2: It's not that deep for me.

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Speaker 3: Loyalty runs very shallow in my Yeah. Yeah, nine dollars

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Speaker 3: is great, that's incredible. My broke tip's quite topical right.

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Speaker 5: Now for me personally, because I just came from an island.

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Speaker 5: So this is for people traveling to Southeast Asia. There

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Speaker 5: is currently a clinical trial happening called Understanding the Causes

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Speaker 5: of Diary in Australia in Australian adult tourists traveling to

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Speaker 5: Southeast Asia, which I think we all have been very

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Speaker 5: curious about.

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Speaker 1: Do you know what?

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Speaker 3: A while ago I went to Bali and I posted

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Speaker 3: on my Instagram that I have never gotten Ballei belly

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Speaker 3: and still have never gotten Balley belly because I believe

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Speaker 3: you have to have one full fat coke every single

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Speaker 3: day because in my head, this is a complete side quest. Again,

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Speaker 3: I do apologize, Beck, I'm feeling very extra DHD spicy today, okay,

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Speaker 3: because in my head, if you put coins into a

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Speaker 3: cup with some coke, it like fully strips them gets

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Speaker 3: rid of all of the rust.

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Speaker 2: I think it does that to my insides, but with

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Speaker 2: the bugs. Not a word of a lie.

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Speaker 4: I went to a doctor once and they said, have

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Speaker 4: you tried having like I am not made I know

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Speaker 4: that sounds made up.

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Speaker 2: It's not made up any I think it was something.

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Speaker 3: So my sister gets migraines and her doctor tells her

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Speaker 3: every single time one can of full fat coke as

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Speaker 3: like a pre empty of Like, you know, it doesn't

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Speaker 3: save her, but it does make things a lot easier.

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Speaker 2: Really, why not coke zero?

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Speaker 3: I think you need the mix of the carbonation, the

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Speaker 3: caffeination and the sugar. Okay, I think it's like, I

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Speaker 3: don't know. I'm not a doctor.

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Speaker 2: I am a hypothesist. I feel like we'rening fake news.

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Speaker 4: To me.

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Speaker 2: Fake news. But you know what did I get? BALI belly?

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Speaker 2: Tell me more about your diarrhea story?

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Speaker 4: True?

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Speaker 5: That's so true, and also a placebo even if it does,

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Speaker 5: this does call plus Potentially it is just as effective.

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Speaker 2: You know, I'm going to start selling jelly beans that

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Speaker 2: help you save money. You never know, No, the brain

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Speaker 2: is powerful.

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Speaker 3: Yeah, if you eat a jelly bean a day, you

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Speaker 3: can actually save like a thousand dollars a month's crazy.

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Speaker 2: Yeah, buy my jelly beans? Yeah yeah yeah, tell us

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Speaker 2: a study.

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Speaker 5: Sorry, tell me about So this is quite topical because

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Speaker 5: I just came back from Thaighland. So this is for

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Speaker 5: people traveling Southeast Asia. There is currently a clinical trial

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Speaker 5: happening called Understanding the Causes of Diary and Australian adult

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Speaker 5: tourists traveling Southeast Asia. You can sign up and you

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Speaker 5: get one hundred fifty dollars. Whether you get diary or not.

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Speaker 5: You do have to give a still sample though, which

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Speaker 5: is uncomfortable. But whether or not you get diarrhea, you

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Speaker 5: will be receiving one hundred fifty dollars if you sign

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Speaker 5: up and get chosen, is the main thing.

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Speaker 2: That's a perfectly good way to make money. Oh no,

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Speaker 2: and she's been sitting time, just like the toilet. If

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Speaker 2: you've got you can soon. I've got a few more

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Speaker 2: than a I'm scared, all right. Well that's the bottom

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Speaker 2: end of this side.

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Speaker 7: So we're gonna go to a really quick break and

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Speaker 7: on the flip side, we're gonna be answering a more

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Speaker 7: vanilla money dilemma, which asks what do you do when

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Speaker 7: you can't get insurance that you want to have.

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Speaker 2: And something that you slid into.

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Speaker 3: Our dms about whether you should leave your toxic workplace

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Speaker 3: before you've solidified another job and lined that up, so

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Speaker 3: guys don't go anywhere.

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Speaker 2: Welcome back, everybody. Let's take a listen to this week's

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Speaker 2: money dilemma.

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Speaker 6: Hi. There, have you got a money dilemma you just

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00:16:43,800 --> 00:16:46,280
Speaker 6: can't solve? The Sheese on the Money team is here

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00:16:46,360 --> 00:16:49,560
Speaker 6: to help. Every week we tackle your dilemmas, both big

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Speaker 6: and small, to answer your most burning money, career and

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Speaker 6: life questions. To get involved, simply head to our website

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Speaker 6: and leave us a short voice recording and you might

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Speaker 6: just find yourself on the show.

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Speaker 2: Now, let's take a listen to this week's money dilemma.

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Speaker 8: Hi, She's on the Money. I absolutely love the pot

390
00:17:06,880 --> 00:17:10,240
Speaker 8: on everything with the community, especially for women. My question

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Speaker 8: is about life insurance TPDIP, death cover, etc. Unfortunately, due

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Speaker 8: to a myriad of health conditions, I'm ineligible for life insurance,

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Speaker 8: including through my super Even though I don't expect insurance

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Speaker 8: to cover my pre existing conditions, I understand it's part

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Speaker 8: of the underwriter's job. However, do you have any tips

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Speaker 8: to what I can do to prepare myself otherwise. Obviously

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Speaker 8: having an emergency fund is super important, but it's never

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Speaker 8: going to give me the same protection as life insurance

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Speaker 8: in terms of the actual amount of money. Is this

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Speaker 8: just bad luck? Or is there another way I can

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Speaker 8: future proof myself?

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Speaker 2: Thank you? All right? Just first, cab off the rank.

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Speaker 3: I'm sorry, I don't know if this person has seen

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Speaker 3: a financial advisor or not, but that would be my

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00:17:45,880 --> 00:17:48,520
Speaker 3: first port of call. You guys know that I will

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00:17:49,280 --> 00:17:51,840
Speaker 3: harp on day and night about sky Wealth. They are

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Speaker 3: literally my financial advisors when it comes to insurance. Jess,

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00:17:55,040 --> 00:17:57,399
Speaker 3: I'm pretty sure you're with them. Yeah, I'm pretty sure.

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Speaker 3: Like a producer, like everybody in our team has gone

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00:17:59,800 --> 00:18:02,240
Speaker 3: through sky Wealth to do their insurance is just because

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00:18:02,560 --> 00:18:06,119
Speaker 3: they do good. They know literally everything about it, and

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00:18:06,480 --> 00:18:08,720
Speaker 3: we feel really confident. So I would go and talk

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Speaker 3: to their team, because if you've been declined just by

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00:18:11,560 --> 00:18:15,320
Speaker 3: one insurer, you can talk about you know what other

415
00:18:15,520 --> 00:18:18,959
Speaker 3: insurers could I potentially go with? You know, she might

416
00:18:19,000 --> 00:18:21,399
Speaker 3: have actually gone and talked to Phil literally one on one,

417
00:18:21,440 --> 00:18:23,280
Speaker 3: and he said, look, we can't insure you. I just

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00:18:23,320 --> 00:18:26,879
Speaker 3: don't know the semantics of this situation, but often you

419
00:18:26,960 --> 00:18:29,600
Speaker 3: could potentially talk to a different insurer that will either

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00:18:29,960 --> 00:18:33,360
Speaker 3: exclude your pre existing conditions or get you to pay

421
00:18:33,440 --> 00:18:37,200
Speaker 3: a loading on your insurance so you pay more insurance

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00:18:37,320 --> 00:18:40,320
Speaker 3: to still solidify it. And I would be having those conversations,

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00:18:40,359 --> 00:18:43,840
Speaker 3: so it's not completely ruled out if you aren't able

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Speaker 3: to solidify insurance at all. And there are some people

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00:18:47,400 --> 00:18:50,840
Speaker 3: that can't get insurance. So whether it is pre existing

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00:18:50,880 --> 00:18:53,480
Speaker 3: conditions or you have certain occupations. Did you know that

427
00:18:53,560 --> 00:18:56,520
Speaker 3: some pilots can't get life insurance, Oh, because of the

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Speaker 3: risk of there's too much risk. Flight controllers also have

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Speaker 3: a lot of issue with it, even though they're that's

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Speaker 3: what I used to say crazy, but I ended up

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Speaker 3: with a lot of clients who are traffic flight controllers

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Speaker 3: right anyway, So there are a lot of people who

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Speaker 3: might not be able to get it. And at that

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Speaker 3: point you are trying to obviously future proof your finances

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00:19:18,440 --> 00:19:21,080
Speaker 3: in a way that you still again she mentioned it

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Speaker 3: like having an emergency fund. That would be the number

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Speaker 3: one thing that I focus on. What other insurances could

438
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Speaker 3: you get that support you? So, yes, you haven't been

439
00:19:29,560 --> 00:19:32,280
Speaker 3: able to get the life insurance, but what about total

440
00:19:32,320 --> 00:19:36,119
Speaker 3: and permanent disability? Or TPD. What about income protection? What

441
00:19:36,240 --> 00:19:39,480
Speaker 3: about trauma insurance? Do you have any of those accessible?

442
00:19:39,800 --> 00:19:42,640
Speaker 3: Like what's that going to look like? Also making sure

443
00:19:42,720 --> 00:19:45,520
Speaker 3: that if you're in a couple, your partner is inshure

444
00:19:45,520 --> 00:19:47,760
Speaker 3: WOD well, just because you can't get it doesn't mean

445
00:19:47,800 --> 00:19:50,640
Speaker 3: they shouldn't be going in and exploring it. Like there's

446
00:19:50,760 --> 00:19:53,200
Speaker 3: just there's a few things that you can do. And

447
00:19:53,359 --> 00:19:55,560
Speaker 3: I'm really sorry that that's the case, but that is

448
00:19:55,720 --> 00:19:58,960
Speaker 3: honestly the reality for some people where you just can't

449
00:19:59,000 --> 00:20:01,440
Speaker 3: solidify it. And I'm not saying that's okay. I think

450
00:20:01,480 --> 00:20:04,480
Speaker 3: it really sucks. It actually often is the people that

451
00:20:04,640 --> 00:20:08,800
Speaker 3: need it so so so much. Yeah, but get advice

452
00:20:08,840 --> 00:20:11,760
Speaker 3: and get good advice. But if you are speaking to

453
00:20:11,840 --> 00:20:14,640
Speaker 3: a financial advisor and they have said I'm so sorry,

454
00:20:14,680 --> 00:20:17,800
Speaker 3: miss jessic Ricci can't ensure you, they will give you

455
00:20:17,880 --> 00:20:20,680
Speaker 3: a plan of what else you should be doing to

456
00:20:20,800 --> 00:20:23,879
Speaker 3: protect yourself. So it's not That's why I'm kind of like,

457
00:20:24,160 --> 00:20:27,760
Speaker 3: so did you get advice, because any good financial advisor

458
00:20:27,800 --> 00:20:29,440
Speaker 3: would be like, I'm so sorry, I can't insure you

459
00:20:29,560 --> 00:20:31,240
Speaker 3: for this, but this is our fallback plan.

460
00:20:31,520 --> 00:20:32,560
Speaker 2: This is what you should be doing.

461
00:20:32,800 --> 00:20:35,120
Speaker 3: I would love to see you save x amount per month,

462
00:20:35,240 --> 00:20:38,040
Speaker 3: or your emergency fund needs to be this percentage more

463
00:20:38,080 --> 00:20:40,440
Speaker 3: than normal people's or whatever. So that's why I was

464
00:20:40,520 --> 00:20:43,200
Speaker 3: kind of effy about whether they've gotten advice, because any

465
00:20:43,240 --> 00:20:45,400
Speaker 3: good advisor would never leave their client hind dry.

466
00:20:45,840 --> 00:20:47,639
Speaker 2: They wouldn't be like, sorry, can't get it.

467
00:20:47,800 --> 00:20:50,960
Speaker 5: Have a good day by Like yeah, I would say,

468
00:20:51,040 --> 00:20:54,560
Speaker 5: like if it is the case that you can't get

469
00:20:54,760 --> 00:20:57,720
Speaker 5: any at all, then I mean, I think Victoria would say,

470
00:20:57,920 --> 00:21:00,760
Speaker 5: don't put your money where you can't act says it immediately,

471
00:21:00,800 --> 00:21:02,159
Speaker 5: like investments would say.

472
00:21:02,040 --> 00:21:02,320
Speaker 1: That, yeah.

473
00:21:02,320 --> 00:21:04,360
Speaker 3: I would say that, yeah, your emergency fund should never

474
00:21:04,680 --> 00:21:05,560
Speaker 3: never be invested.

475
00:21:05,760 --> 00:21:06,480
Speaker 2: Put it in savings.

476
00:21:06,520 --> 00:21:08,800
Speaker 5: And then also I would say, like you know, as

477
00:21:08,920 --> 00:21:11,920
Speaker 5: if you can savings and then also maybe like super

478
00:21:12,280 --> 00:21:14,359
Speaker 5: and maybe a little bit investments if you can afford

479
00:21:14,640 --> 00:21:19,960
Speaker 5: to have like multiple sources of financially securing. Yeah, And

480
00:21:20,040 --> 00:21:23,159
Speaker 5: then I would also just like be really up to

481
00:21:23,240 --> 00:21:26,600
Speaker 5: date with like sendlink and ndis and all these kind

482
00:21:26,640 --> 00:21:29,919
Speaker 5: of things, like just in case, because it's.

483
00:21:30,040 --> 00:21:31,400
Speaker 2: Really sucks when you touchwood.

484
00:21:31,440 --> 00:21:33,040
Speaker 5: If you were to get to a place where you're like, oh,

485
00:21:33,119 --> 00:21:34,960
Speaker 5: I don't have any InCom and I can't get any

486
00:21:35,000 --> 00:21:37,719
Speaker 5: income and I also don't have insurance, and then you're like, okay, well,

487
00:21:37,760 --> 00:21:38,760
Speaker 5: let's see what sendlink has.

488
00:21:39,160 --> 00:21:41,200
Speaker 2: It's so overwhelming at that point because.

489
00:21:41,000 --> 00:21:42,640
Speaker 5: It's like, I mean, I don't know about everyone else,

490
00:21:42,680 --> 00:21:45,359
Speaker 5: but I find it so hard to like read and

491
00:21:45,520 --> 00:21:47,200
Speaker 5: take in what's on the Gay Too website.

492
00:21:47,200 --> 00:21:49,240
Speaker 2: I'm really grateful that it's there. I'm really grateful we

493
00:21:49,320 --> 00:21:52,560
Speaker 2: have these. I love reading that website. Perfect. That's perfect.

494
00:21:53,040 --> 00:21:55,720
Speaker 5: But I would say look up beforehand as well, because

495
00:21:55,720 --> 00:21:58,439
Speaker 5: even if you were like, Okay, well, if worse came

496
00:21:58,480 --> 00:22:00,760
Speaker 5: to worst, Touchwood, I could get five hundre dollars a

497
00:22:00,800 --> 00:22:02,719
Speaker 5: week or five dollars a fort nite, whatever, then at

498
00:22:02,800 --> 00:22:05,439
Speaker 5: least you can start preparing your budget for that amount

499
00:22:06,000 --> 00:22:08,680
Speaker 5: if anything were to happen. You can start preparing for

500
00:22:09,400 --> 00:22:12,040
Speaker 5: what you can get in the future if you were

501
00:22:12,119 --> 00:22:14,160
Speaker 5: to ever need it. And then you can also figure

502
00:22:14,200 --> 00:22:16,439
Speaker 5: out where the hell the forms are, what the hell

503
00:22:16,480 --> 00:22:17,200
Speaker 5: you do with the forms?

504
00:22:17,600 --> 00:22:19,440
Speaker 2: What do I need? I need by a scan of

505
00:22:19,520 --> 00:22:21,919
Speaker 2: my idea or something I don't know, So it's really

506
00:22:21,960 --> 00:22:23,640
Speaker 2: good to just have that at the back of your mind.

507
00:22:23,760 --> 00:22:25,320
Speaker 2: I think you can need Also.

508
00:22:25,200 --> 00:22:27,920
Speaker 3: While I'm thinking about it, the additional thing I would say,

509
00:22:28,119 --> 00:22:31,000
Speaker 3: is this is a really good flip in reminder to

510
00:22:31,119 --> 00:22:33,760
Speaker 3: get your insurances in place before you even think you

511
00:22:33,880 --> 00:22:35,959
Speaker 3: need them. Yes, because yes, you might have a pre

512
00:22:36,080 --> 00:22:39,680
Speaker 3: existing condition now. But there's and I don't know what

513
00:22:39,760 --> 00:22:41,399
Speaker 3: it is, it's none of my business, but there is

514
00:22:41,440 --> 00:22:44,080
Speaker 3: a very big likelihood if you are young and fit

515
00:22:44,280 --> 00:22:47,360
Speaker 3: and healthy, you think you don't need insurances, and that's

516
00:22:47,400 --> 00:22:49,879
Speaker 3: the point at which you need insurance the most, and

517
00:22:50,000 --> 00:22:51,879
Speaker 3: it is the most valuable to pick up because you

518
00:22:51,960 --> 00:22:53,879
Speaker 3: won't have any pre existing conditions.

519
00:22:54,119 --> 00:22:55,840
Speaker 2: We see it often in our community.

520
00:22:55,960 --> 00:22:58,680
Speaker 3: You know, you'll go and see an advisor and they'll

521
00:22:58,720 --> 00:23:01,359
Speaker 3: be like, so sorry, you had this health issue, or

522
00:23:01,359 --> 00:23:03,239
Speaker 3: you might have had a melanoma cutout, or you might

523
00:23:03,280 --> 00:23:06,160
Speaker 3: have had just literally anything happen. You used to play

524
00:23:06,200 --> 00:23:08,280
Speaker 3: netpul and you've got a bung knee and they just

525
00:23:08,320 --> 00:23:11,680
Speaker 3: won't cover these things. And you go, well, that's really

526
00:23:11,720 --> 00:23:13,960
Speaker 3: annoying because what if I do my other ACL I

527
00:23:14,000 --> 00:23:14,840
Speaker 3: won't be covered for that.

528
00:23:14,960 --> 00:23:16,840
Speaker 2: And you'll be like, well, no, you won't be.

529
00:23:17,359 --> 00:23:20,320
Speaker 3: So the younger you are, the more important it is

530
00:23:20,400 --> 00:23:24,000
Speaker 3: to solidify insurance while you can get it, because even

531
00:23:24,040 --> 00:23:26,159
Speaker 3: though abung knee or whatever you might go, they wouldn't

532
00:23:26,200 --> 00:23:28,640
Speaker 3: not ensure me. But you add that to a list

533
00:23:28,720 --> 00:23:31,480
Speaker 3: of pre existing conditions, like let's say you've got a

534
00:23:31,560 --> 00:23:34,399
Speaker 3: bung knee. You know, you had a heart issue at

535
00:23:34,480 --> 00:23:37,879
Speaker 3: some point, and you also have mental health. Insurers are

536
00:23:37,960 --> 00:23:40,919
Speaker 3: cracking down and they're not doing it to be awful

537
00:23:40,960 --> 00:23:44,280
Speaker 3: and mean, like they have underwriters whose job it is

538
00:23:44,359 --> 00:23:48,200
Speaker 3: to measure risk and go, okay, well, actually I don't

539
00:23:48,200 --> 00:23:50,159
Speaker 3: want to give Jess a policy because.

540
00:23:50,160 --> 00:23:52,840
Speaker 2: She's very very likely to claim on it. And at

541
00:23:52,840 --> 00:23:56,280
Speaker 2: the end of the day, we're insurance, and yes, insurance

542
00:23:56,600 --> 00:23:57,040
Speaker 2: is there to.

543
00:23:57,080 --> 00:24:00,880
Speaker 3: Protect you, but they are also betting people, and they're

544
00:24:00,920 --> 00:24:04,120
Speaker 3: betting that the people that they are ensuring hopefully don't claim,

545
00:24:04,240 --> 00:24:07,720
Speaker 3: so that their business stays profitable. And if they go

546
00:24:07,880 --> 00:24:11,120
Speaker 3: insure all these people who arguably need it and from

547
00:24:11,160 --> 00:24:14,159
Speaker 3: my perspective, deserve it and I want to have it

548
00:24:14,200 --> 00:24:17,240
Speaker 3: because it keeps their finances healthy. They're like, sorry, we'd

549
00:24:17,280 --> 00:24:19,399
Speaker 3: be paying out left, right and center and become a

550
00:24:19,520 --> 00:24:22,880
Speaker 3: non profitable company, and that's actually a really bad business.

551
00:24:22,600 --> 00:24:23,320
Speaker 2: Decision for them.

552
00:24:23,680 --> 00:24:27,040
Speaker 3: So it's more than personal, if that makes sense, And

553
00:24:27,119 --> 00:24:29,520
Speaker 3: I think you understanding that is also important as well,

554
00:24:29,720 --> 00:24:31,920
Speaker 3: because they've deemed you too high risk, but that doesn't

555
00:24:31,920 --> 00:24:34,560
Speaker 3: mean another company might not setting your lots of love.

556
00:24:34,640 --> 00:24:36,440
Speaker 2: I hope that whatever you're dealing with is, you know,

557
00:24:36,600 --> 00:24:37,120
Speaker 2: not too hard.

558
00:24:37,160 --> 00:24:38,400
Speaker 4: I know it can be a lot when you're trying

559
00:24:38,400 --> 00:24:40,440
Speaker 4: to get your finances and stuff in order and dealing

560
00:24:40,480 --> 00:24:41,560
Speaker 4: with all of those things as well.

561
00:24:41,720 --> 00:24:44,160
Speaker 2: So where I was sending you good thoughts, lots of love.

562
00:24:44,359 --> 00:24:47,720
Speaker 2: But should we get into the juicy DM? All right, yes,

563
00:24:47,880 --> 00:24:48,200
Speaker 2: of course.

564
00:24:48,280 --> 00:24:50,119
Speaker 3: So we've got a juicy DM, which I think is

565
00:24:51,119 --> 00:24:54,199
Speaker 3: it's not It's obviously juicy because it's about a toxic workplace,

566
00:24:54,240 --> 00:24:57,040
Speaker 3: but I also think it's a really relevant question, especially

567
00:24:57,080 --> 00:25:00,440
Speaker 3: at this point in time, so our community members help.

568
00:25:00,560 --> 00:25:01,520
Speaker 2: I need some advice.

569
00:25:01,920 --> 00:25:05,160
Speaker 3: I'm a pastry chef working sixty plus hours a week,

570
00:25:05,400 --> 00:25:08,360
Speaker 3: but I'm only paid for forty five, and overtime becomes

571
00:25:08,560 --> 00:25:09,320
Speaker 3: time in loo.

572
00:25:09,640 --> 00:25:12,520
Speaker 2: As I'm on a salary. It's physically exhausting.

573
00:25:12,800 --> 00:25:16,480
Speaker 3: The vibe is toxic, constant negative feedback like work harder,

574
00:25:16,720 --> 00:25:20,440
Speaker 3: do better, with nothing actually helpful being contributed to the conversation.

575
00:25:20,960 --> 00:25:23,280
Speaker 3: They swapped me to night shifts without extra pay and

576
00:25:23,359 --> 00:25:25,760
Speaker 3: extended my probation and said I'd be let go if

577
00:25:25,800 --> 00:25:29,680
Speaker 3: I didn't improve. I'm halfway through and haven't heard a word.

578
00:25:29,840 --> 00:25:32,640
Speaker 3: Since there are no jobs in my field where I live,

579
00:25:32,760 --> 00:25:35,520
Speaker 3: and I've had no luck in other industries. I've got

580
00:25:35,560 --> 00:25:37,960
Speaker 3: a mortgage and around twenty thousand dollars saved, and I'm

581
00:25:38,000 --> 00:25:40,600
Speaker 3: honestly just ready to walk with no job lined up.

582
00:25:41,160 --> 00:25:43,880
Speaker 3: Parts of me feel like I shouldn't waste my savings

583
00:25:44,119 --> 00:25:46,840
Speaker 3: just because I hate my job. That said, I don't

584
00:25:46,880 --> 00:25:49,040
Speaker 3: know how much longer I can take it. I'm just

585
00:25:49,119 --> 00:25:52,159
Speaker 3: after the community's input. Whether I'm being silly or smart

586
00:25:52,280 --> 00:25:55,240
Speaker 3: by putting me first, I'm.

587
00:25:55,080 --> 00:25:56,080
Speaker 2: Really sorry that's happening to you.

588
00:25:56,200 --> 00:25:59,800
Speaker 4: That sounds super stressful. I, as you know, guys know

589
00:26:00,040 --> 00:26:02,199
Speaker 4: quite risk adverse, I would say, especially with the mortgage

590
00:26:02,200 --> 00:26:04,760
Speaker 4: over your head, I would be walking. I really want

591
00:26:04,800 --> 00:26:06,840
Speaker 4: you to be able to prioritize your mental health, and

592
00:26:06,920 --> 00:26:12,320
Speaker 4: that's so important and so valid, But pragmatically speaking, your

593
00:26:12,640 --> 00:26:15,240
Speaker 4: emergency fund, your savings will only last you for so long.

594
00:26:15,400 --> 00:26:17,680
Speaker 4: It's a tough job market out there, and particularly because

595
00:26:17,720 --> 00:26:19,200
Speaker 4: you've just told me, you just said that there's no

596
00:26:19,400 --> 00:26:22,000
Speaker 4: jobs in your area, you're having a hard time. That

597
00:26:22,119 --> 00:26:24,200
Speaker 4: money will disappear more quickly than you think. And my

598
00:26:24,359 --> 00:26:28,240
Speaker 4: concern would be that the financial pressures of having to

599
00:26:28,280 --> 00:26:31,280
Speaker 4: pay a mortgage and not having money coming in could

600
00:26:31,359 --> 00:26:34,639
Speaker 4: also put I would argue the same level of strain

601
00:26:34,720 --> 00:26:36,680
Speaker 4: on you that you're already experiencing. Its kind of like

602
00:26:36,720 --> 00:26:39,119
Speaker 4: you'd be training one negative thing for another negative thing.

603
00:26:39,720 --> 00:26:42,119
Speaker 2: I would be it sounds like you might be already

604
00:26:42,160 --> 00:26:43,560
Speaker 2: but actively looking for jobs.

605
00:26:44,000 --> 00:26:46,399
Speaker 4: Also, speaking to fair work, I'm pretty sure depending on

606
00:26:46,440 --> 00:26:49,080
Speaker 4: your award and depending on what your previous pay rate was,

607
00:26:49,840 --> 00:26:51,760
Speaker 4: night shift generally means that you do need to be

608
00:26:51,800 --> 00:26:55,320
Speaker 4: paid a higher rate unless your previous rate was above award,

609
00:26:55,520 --> 00:26:57,720
Speaker 4: So I would be looking into that. If there's a union,

610
00:26:57,840 --> 00:27:01,040
Speaker 4: feel industry looking into that as well. Just making sure

611
00:27:01,080 --> 00:27:03,040
Speaker 4: that everything's above board, because a few of the things

612
00:27:03,080 --> 00:27:05,399
Speaker 4: you've said have kind of flagged to me that your

613
00:27:05,440 --> 00:27:07,560
Speaker 4: workplace might not be doing all the right things, So

614
00:27:07,600 --> 00:27:10,440
Speaker 4: you can give fair work call they exist for that

615
00:27:10,600 --> 00:27:13,840
Speaker 4: exact reason. Talk to them about your probation extension, talk

616
00:27:13,880 --> 00:27:16,360
Speaker 4: to them about the fact that you're not getting actionable feedback,

617
00:27:16,680 --> 00:27:20,920
Speaker 4: because that then also builds a historical chain of events,

618
00:27:21,040 --> 00:27:23,160
Speaker 4: so that if you were to be let go unfairly

619
00:27:23,400 --> 00:27:27,240
Speaker 4: or unfairly dismissed. You've got that evidence already supported and

620
00:27:27,359 --> 00:27:30,800
Speaker 4: noted within fair work, which I think is important. But yeah,

621
00:27:30,840 --> 00:27:32,400
Speaker 4: I know that that's probably not the answer that you're

622
00:27:32,480 --> 00:27:35,040
Speaker 4: looking for, and maybe I feel like beck might have

623
00:27:35,080 --> 00:27:35,920
Speaker 4: a different take on it.

624
00:27:37,359 --> 00:27:39,480
Speaker 2: Thought I'll give you the answer. She looked like she

625
00:27:39,680 --> 00:27:42,320
Speaker 2: was ready for her thoughts. Yes, because this is my thing.

626
00:27:42,680 --> 00:27:44,600
Speaker 5: As you guys know, I quit my job randomly to

627
00:27:44,640 --> 00:27:46,879
Speaker 5: do like literally four weeks at a job that I

628
00:27:46,920 --> 00:27:48,840
Speaker 5: wanted to do, and then I was.

629
00:27:48,880 --> 00:27:51,680
Speaker 2: Unemployed, and which she's not unemployed, by the way. No,

630
00:27:51,840 --> 00:27:53,840
Speaker 2: I just I only just got a part time job.

631
00:27:54,000 --> 00:27:56,440
Speaker 5: But what I'm saying is like, if you quit and

632
00:27:56,520 --> 00:27:57,760
Speaker 5: you don't have a job at the end of it,

633
00:27:58,240 --> 00:28:01,480
Speaker 5: you will never not make it work. I'm somehow made

634
00:28:01,520 --> 00:28:03,960
Speaker 5: it work. I still got rent money because I was like, oh,

635
00:28:04,000 --> 00:28:05,399
Speaker 5: I'm going to do this and this and this that

636
00:28:05,440 --> 00:28:06,520
Speaker 5: will just make rent money.

637
00:28:06,760 --> 00:28:09,520
Speaker 2: You're very resourceful. Well, thank you so much. But I

638
00:28:09,600 --> 00:28:12,320
Speaker 2: do think that, like, I don't think you will.

639
00:28:12,160 --> 00:28:15,159
Speaker 5: Have to worry about not having a job and not

640
00:28:15,240 --> 00:28:17,040
Speaker 5: being able to pay the bills, because I know that

641
00:28:17,080 --> 00:28:20,080
Speaker 5: would stress me out. I think it is so fun,

642
00:28:20,160 --> 00:28:23,200
Speaker 5: It is so exciting and there's something so chill about

643
00:28:23,280 --> 00:28:25,520
Speaker 5: being like, oh, I'm just I'm doing this little thing

644
00:28:25,840 --> 00:28:28,240
Speaker 5: that's temporary that I'm just doing because I need to

645
00:28:28,320 --> 00:28:30,800
Speaker 5: make money to pay the rent this month. It's like

646
00:28:31,240 --> 00:28:33,440
Speaker 5: when you have a full time job that you really hate,

647
00:28:33,520 --> 00:28:34,960
Speaker 5: you know what's paying the bills, but you're not like

648
00:28:35,359 --> 00:28:37,399
Speaker 5: you're not doing it to pay the bills. It's almost

649
00:28:37,440 --> 00:28:38,760
Speaker 5: like you're doing it because it's just part of your

650
00:28:38,800 --> 00:28:41,240
Speaker 5: life and you just hate it. But when you quit

651
00:28:41,280 --> 00:28:44,160
Speaker 5: your job and you're like, leave yourself a week or

652
00:28:44,200 --> 00:28:46,760
Speaker 5: two to just be unemployed, and then after that, don't

653
00:28:46,800 --> 00:28:49,200
Speaker 5: even if you can't find work in your field, then

654
00:28:49,320 --> 00:28:52,200
Speaker 5: do whatever the hell I've emailed recruiters and being like, hey,

655
00:28:52,200 --> 00:28:55,160
Speaker 5: I'm happy to do temp work. Sometimes that literally means

656
00:28:55,360 --> 00:28:57,320
Speaker 5: sitting at a desk with twenty other people who are

657
00:28:57,360 --> 00:29:00,840
Speaker 5: there to do temp work and literally uns stapling paper

658
00:29:01,400 --> 00:29:03,160
Speaker 5: and putting those papers in folders, and you do that

659
00:29:03,240 --> 00:29:04,920
Speaker 5: for eight hours a day, and it's like mind numbing.

660
00:29:05,080 --> 00:29:07,320
Speaker 5: You chuck your headphones in. You know that you're only

661
00:29:07,400 --> 00:29:09,600
Speaker 5: there so that you can make money. Everyone's only there

662
00:29:09,640 --> 00:29:11,120
Speaker 5: so they can make money. You don't have to put

663
00:29:11,160 --> 00:29:13,080
Speaker 5: on this whole like you know, when you go into

664
00:29:13,120 --> 00:29:14,200
Speaker 5: interviews and they're like, why do you.

665
00:29:14,200 --> 00:29:14,680
Speaker 2: Want to work here?

666
00:29:14,720 --> 00:29:16,520
Speaker 5: And you know it's because you want money, but you

667
00:29:16,600 --> 00:29:19,320
Speaker 5: have to be like, oh, I'm so passionate about I

668
00:29:19,360 --> 00:29:21,320
Speaker 5: don't know ice, creameres, you know, like.

669
00:29:21,400 --> 00:29:23,000
Speaker 2: Random places that you're trying to get jobs at so

670
00:29:23,040 --> 00:29:24,360
Speaker 2: you make money. Don't do any of that.

671
00:29:24,600 --> 00:29:27,239
Speaker 5: Just get temp jobs, just to like pickpacking, just get

672
00:29:27,280 --> 00:29:29,440
Speaker 5: a little kitchen hand job, whatever you can do to

673
00:29:29,520 --> 00:29:32,480
Speaker 5: make money in the meantime when you start needing to

674
00:29:32,600 --> 00:29:33,400
Speaker 5: make money again.

675
00:29:33,640 --> 00:29:35,800
Speaker 2: But I think put in your notice now.

676
00:29:36,480 --> 00:29:39,440
Speaker 5: In the meantime, be looking for really quick and easy

677
00:29:39,720 --> 00:29:40,400
Speaker 5: temp jobs.

678
00:29:41,000 --> 00:29:42,760
Speaker 2: Whatever you want to do. It doesn't have to be

679
00:29:42,760 --> 00:29:45,000
Speaker 2: in the same field. You're going to make it work.

680
00:29:45,160 --> 00:29:46,920
Speaker 5: And because you've quit your job, you're going to have

681
00:29:47,040 --> 00:29:49,400
Speaker 5: to make it work, and that there's something very exciting

682
00:29:49,440 --> 00:29:52,719
Speaker 5: about that. So put in your resignation and then make

683
00:29:52,760 --> 00:29:54,280
Speaker 5: it work, and I trust that you will. And then

684
00:29:54,280 --> 00:29:56,960
Speaker 5: you're going to find something slowly, slowly, you're gonna be looking.

685
00:29:57,080 --> 00:29:59,120
Speaker 5: You're going to find something you love, but you're just

686
00:29:59,160 --> 00:30:03,160
Speaker 5: gonna be making it work until you do. So don't

687
00:30:03,200 --> 00:30:04,640
Speaker 5: be sad for a moment longer.

688
00:30:04,840 --> 00:30:09,760
Speaker 2: You terrify me. Don't terrify me. I couldn't do that.

689
00:30:10,360 --> 00:30:13,240
Speaker 2: You will make it work, you would. I'm not disagreeing.

690
00:30:13,400 --> 00:30:13,960
Speaker 2: I'm not saying.

691
00:30:14,000 --> 00:30:16,280
Speaker 3: It's like two things can be true at one time,

692
00:30:17,120 --> 00:30:19,080
Speaker 3: Like that can be true, and then it can also

693
00:30:19,200 --> 00:30:21,720
Speaker 3: be true that for me that wouldn't work, and that's fine. That,

694
00:30:22,240 --> 00:30:24,240
Speaker 3: oh my lord, knowing that I would quit a job

695
00:30:24,280 --> 00:30:27,480
Speaker 3: and have a mortgage already sending me over the edge,

696
00:30:27,680 --> 00:30:29,760
Speaker 3: Like my anxiety is through the roof. Like I think

697
00:30:29,760 --> 00:30:31,800
Speaker 3: I would have more anxiety not having a job than

698
00:30:31,880 --> 00:30:35,720
Speaker 3: being in a shitty job with shitty people. Like just oh, anyway,

699
00:30:36,120 --> 00:30:38,760
Speaker 3: I think first things first, you are not being silly

700
00:30:38,880 --> 00:30:42,120
Speaker 3: at all, Like what you're describing sounds really unsustainable and

701
00:30:42,320 --> 00:30:45,640
Speaker 3: really unfair. As an employer of people, I have so

702
00:30:45,880 --> 00:30:48,480
Speaker 3: many questions. So one of the things you said is

703
00:30:48,600 --> 00:30:51,720
Speaker 3: like they extended my probation. Never heard another thing about it.

704
00:30:52,440 --> 00:30:56,640
Speaker 3: What if I extend someone's probation, which by the way,

705
00:30:57,040 --> 00:31:00,720
Speaker 3: hasn't ever happened, But you're gonna hear from me weekly

706
00:31:00,920 --> 00:31:04,760
Speaker 3: because I'm essentially saying, and I don't know how your

707
00:31:04,800 --> 00:31:08,320
Speaker 3: business is working this, but if hypothetically I needed to

708
00:31:08,440 --> 00:31:11,760
Speaker 3: extend someone's probation, The reason is because I'm not sure

709
00:31:11,880 --> 00:31:14,760
Speaker 3: I want them in my business. So I've had six

710
00:31:14,840 --> 00:31:16,840
Speaker 3: months with you and you have not proven to me

711
00:31:17,080 --> 00:31:17,680
Speaker 3: that you are.

712
00:31:17,600 --> 00:31:18,280
Speaker 2: The right fit.

713
00:31:18,720 --> 00:31:21,960
Speaker 3: And I go, well, I'm still not sure. I just

714
00:31:22,040 --> 00:31:25,480
Speaker 3: want a bit more probation time. Sorry, where's the plan?

715
00:31:26,120 --> 00:31:29,440
Speaker 3: Where are the landmarks that I can work towards that

716
00:31:29,560 --> 00:31:32,400
Speaker 3: show that I am the right person? Is it output?

717
00:31:32,560 --> 00:31:33,920
Speaker 3: Is it being on time to work?

718
00:31:34,040 --> 00:31:34,400
Speaker 1: Is it like?

719
00:31:34,560 --> 00:31:35,280
Speaker 2: What are these things?

720
00:31:35,400 --> 00:31:35,440
Speaker 1: Like?

721
00:31:35,520 --> 00:31:38,800
Speaker 3: Why was your probation extended? And that goes back to

722
00:31:38,880 --> 00:31:41,880
Speaker 3: what you said, Jess, call fair work. Explain your situation,

723
00:31:42,080 --> 00:31:44,680
Speaker 3: not just that like you feel uncomfortable in that it's toxic.

724
00:31:44,760 --> 00:31:47,200
Speaker 2: That's a very important factor. But they extended this.

725
00:31:47,600 --> 00:31:50,160
Speaker 3: What does this mean You're meant to have a plan

726
00:31:50,320 --> 00:31:53,040
Speaker 3: for that period of time because essentially you're on notice

727
00:31:53,520 --> 00:31:56,320
Speaker 3: because they're going to extend your probation and then go, hey, sorry,

728
00:31:56,520 --> 00:31:57,920
Speaker 3: now we've done another three months.

729
00:31:58,000 --> 00:31:59,320
Speaker 2: This really isn't working.

730
00:32:00,040 --> 00:32:04,040
Speaker 3: I think it's very reasonable and very valid to prioritize

731
00:32:04,080 --> 00:32:06,640
Speaker 3: your health in your well being over a toxic workplace.

732
00:32:06,720 --> 00:32:09,320
Speaker 3: So if that's the reason you're quitting, I think you

733
00:32:09,400 --> 00:32:11,840
Speaker 3: know it's money well spent. We have emergency savings for

734
00:32:11,920 --> 00:32:14,680
Speaker 3: a reason. And sometimes the emergency is getting out of

735
00:32:14,680 --> 00:32:16,600
Speaker 3: a situation we no longer want to be in, and

736
00:32:16,720 --> 00:32:20,360
Speaker 3: that is completely valid and completely fine. That said, you've

737
00:32:20,400 --> 00:32:22,000
Speaker 3: got a mortgage, and I think we need to balance

738
00:32:22,040 --> 00:32:26,600
Speaker 3: financial security and self care. Like where's the middle ground there? Like, yes,

739
00:32:26,720 --> 00:32:28,600
Speaker 3: you don't want to be there, go what are you

740
00:32:28,760 --> 00:32:31,440
Speaker 3: doing to get out of there? Are you applying for

741
00:32:31,560 --> 00:32:34,040
Speaker 3: heaps of other jobs? Are you looking at temp jobs?

742
00:32:34,080 --> 00:32:37,640
Speaker 3: Because you had some really really good suggestions you could

743
00:32:37,680 --> 00:32:40,640
Speaker 3: do six million things And if those things sound better

744
00:32:40,720 --> 00:32:43,280
Speaker 3: than your current workplace, go apply for them, solidify them,

745
00:32:43,360 --> 00:32:45,920
Speaker 3: then quit your job, go to another job where.

746
00:32:45,760 --> 00:32:46,440
Speaker 2: It's not toxic.

747
00:32:46,520 --> 00:32:48,240
Speaker 3: And yeah, you're not doing something that you love, but

748
00:32:48,280 --> 00:32:50,240
Speaker 3: at least you've got a job, You've got cash coming in,

749
00:32:50,320 --> 00:32:53,560
Speaker 3: and we can still be applying for your dream jobs

750
00:32:53,600 --> 00:32:55,160
Speaker 3: and the jobs that you want to be doing, because

751
00:32:55,200 --> 00:32:58,560
Speaker 3: like even if you're doing unstapling and putting stuff in

752
00:32:58,760 --> 00:33:02,000
Speaker 3: folders slagh, you're still getting money in the door.

753
00:33:02,040 --> 00:33:03,840
Speaker 2: And then when you get home you can apply for jobs.

754
00:33:03,920 --> 00:33:05,600
Speaker 3: And you know, even if you work there for two

755
00:33:05,640 --> 00:33:08,280
Speaker 3: weeks and then quit, at least you weren't ever in

756
00:33:08,360 --> 00:33:10,960
Speaker 3: a worse off financial position, and I think that's a

757
00:33:11,000 --> 00:33:13,480
Speaker 3: good thing for our mental health as well. So I

758
00:33:13,560 --> 00:33:16,760
Speaker 3: think I would be what's your exit plan. You've decided

759
00:33:16,800 --> 00:33:19,920
Speaker 3: you're leaving this job, are you applying for new jobs?

760
00:33:20,000 --> 00:33:20,920
Speaker 3: Are you making a plan?

761
00:33:21,120 --> 00:33:22,000
Speaker 2: What does that look like?

762
00:33:22,320 --> 00:33:24,920
Speaker 3: Is probably where I would come from with that. What

763
00:33:25,040 --> 00:33:28,120
Speaker 3: everybody else say, mostly you deserve better, but would you

764
00:33:28,280 --> 00:33:29,120
Speaker 3: like their two cents?

765
00:33:29,200 --> 00:33:29,920
Speaker 2: Absolutely so.

766
00:33:30,080 --> 00:33:32,480
Speaker 3: The first question I asked on the stories was, have

767
00:33:32,600 --> 00:33:36,040
Speaker 3: you guys ever worked in a toxic workplace? Seventy percent

768
00:33:37,040 --> 00:33:40,840
Speaker 3: seventy percent of you said yep, and I left. Sixteen

769
00:33:40,920 --> 00:33:44,640
Speaker 3: percent said no, thankfully, But then fourteen percent of you said, yep,

770
00:33:44,640 --> 00:33:45,200
Speaker 3: I'm still there.

771
00:33:45,440 --> 00:33:50,200
Speaker 2: Oh that's really sad, so sad because that's eighty four

772
00:33:50,280 --> 00:33:54,040
Speaker 2: percent of people who have or are in toxic I know,

773
00:33:54,320 --> 00:33:57,040
Speaker 2: I'm not surprised. No, No, definitely get out of there.

774
00:33:57,320 --> 00:33:59,880
Speaker 3: Next question we asked if you had twenty thousand dollars

775
00:34:00,080 --> 00:34:03,360
Speaker 3: in savings and a job like this with no other options,

776
00:34:03,400 --> 00:34:03,880
Speaker 3: would you leave?

777
00:34:04,040 --> 00:34:06,120
Speaker 2: Thirty nine percent of you said I'd stay with a

778
00:34:06,200 --> 00:34:06,720
Speaker 2: time limit.

779
00:34:07,200 --> 00:34:09,879
Speaker 3: Thirty one percent said yes, that's what savings are four

780
00:34:09,920 --> 00:34:12,040
Speaker 3: and thirty percent said no, I'd need to have another

781
00:34:12,120 --> 00:34:12,720
Speaker 3: job first.

782
00:34:13,520 --> 00:34:15,000
Speaker 2: Again, we're all just different people.

783
00:34:15,840 --> 00:34:18,120
Speaker 3: Like, that's a really, that's the annoying thing about money

784
00:34:18,200 --> 00:34:21,200
Speaker 3: and life, right Like Beck would just happily be like, nah,

785
00:34:21,239 --> 00:34:23,160
Speaker 3: I'll work it out, and I'd be like, I have

786
00:34:23,280 --> 00:34:26,360
Speaker 3: too much anxiety. We then said what's your two cents?

787
00:34:26,440 --> 00:34:28,360
Speaker 3: And I've got a little collection of these because I

788
00:34:28,400 --> 00:34:31,319
Speaker 3: know we're running out of time. First person said, keen

789
00:34:31,400 --> 00:34:33,200
Speaker 3: to hear your thoughts. My partner is a chef and

790
00:34:33,280 --> 00:34:35,000
Speaker 3: they routinely underpay him.

791
00:34:35,320 --> 00:34:35,520
Speaker 5: Yeah.

792
00:34:35,920 --> 00:34:39,040
Speaker 3: Next person said, don't quit until you speak with fair

793
00:34:39,120 --> 00:34:41,040
Speaker 3: work and get fairly compensated for your work.

794
00:34:41,680 --> 00:34:41,839
Speaker 4: Sam.

795
00:34:42,160 --> 00:34:44,840
Speaker 3: Next person said, I'd go back to only working the

796
00:34:44,960 --> 00:34:47,640
Speaker 3: hours I'm getting paid for until I can find another job,

797
00:34:48,040 --> 00:34:50,399
Speaker 3: which I think is important too. Like if they're only

798
00:34:50,440 --> 00:34:52,439
Speaker 3: giving you time in lou and then you can't take

799
00:34:52,480 --> 00:34:56,840
Speaker 3: the time in Lou off, it is actually no financial benefit.

800
00:34:57,239 --> 00:34:59,120
Speaker 3: Maybe you could be like, hey, I need all of

801
00:34:59,200 --> 00:35:01,719
Speaker 3: that time in lou and then use that time to

802
00:35:01,920 --> 00:35:05,520
Speaker 3: apply for other jobs. Yes, ye still getting paid. Someone

803
00:35:05,640 --> 00:35:08,000
Speaker 3: said staying in a toxic job can cost you more

804
00:35:08,040 --> 00:35:08,520
Speaker 3: than leaving.

805
00:35:08,719 --> 00:35:09,840
Speaker 2: It's true too, Vallad.

806
00:35:10,239 --> 00:35:12,640
Speaker 3: Another person said, I have a side hustle for this reason.

807
00:35:12,680 --> 00:35:14,919
Speaker 3: I can leave a toxic main job at any time,

808
00:35:15,120 --> 00:35:18,480
Speaker 3: they don't own me. Next person said, start taking your

809
00:35:18,520 --> 00:35:21,200
Speaker 3: time in lou surely you have some weeks accrued by now.

810
00:35:21,600 --> 00:35:23,799
Speaker 3: And then the last person said, your mental well being

811
00:35:23,920 --> 00:35:27,080
Speaker 3: is worth more than twenty grand. Aka, I think it's priceless.

812
00:35:27,360 --> 00:35:30,960
Speaker 2: Also a great point, so true. Great place to leave it, guys.

813
00:35:31,120 --> 00:35:34,239
Speaker 3: I hope you have a beautiful weekend and we will

814
00:35:34,280 --> 00:35:36,640
Speaker 3: see you bright and early on Monday morning for a

815
00:35:36,760 --> 00:35:37,400
Speaker 3: money diary.

816
00:35:37,600 --> 00:35:45,840
Speaker 2: Bye, guys, Bye? Did buy shared on?

817
00:35:46,000 --> 00:35:48,399
Speaker 6: She's on the Money is general in nature and does

818
00:35:48,520 --> 00:35:52,440
Speaker 6: not consider your individual circumstances. She's on the Money exists

819
00:35:52,600 --> 00:35:55,799
Speaker 6: purely for educational purposes and should not be relied upon

820
00:35:55,880 --> 00:35:58,880
Speaker 6: to make an investment or financial decision. If you do

821
00:35:59,080 --> 00:36:02,000
Speaker 6: choose to buy a financial product, read the PDS TMD

822
00:36:02,200 --> 00:36:04,160
Speaker 6: and obtain appropriate financial.

823
00:36:03,840 --> 00:36:05,560
Speaker 2: Advice tailored towards your needs.

824
00:36:06,000 --> 00:36:09,880
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

825
00:36:09,960 --> 00:36:12,520
Speaker 6: of Money. Sheper p t y lt D A B

826
00:36:12,719 --> 00:36:15,719
Speaker 6: N three two one six four nine two seven seven

827
00:36:15,880 --> 00:36:19,319
Speaker 6: zero eight AFS L four five one two eight nine