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

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Speaker 1: Order Kerney Whoalbury and a waddery woman. And before we

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

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

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

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

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

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 2: Hello and welcome to She's on the Money podcast and

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Speaker 2: millennials who want financial freedom Today. My friends, guess what

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Speaker 2: it is Friday, which means it is time to get

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Speaker 2: our little family together and celebrate you ow incredible. She's

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Speaker 2: on the Money community. This week, Miss just Gricci is

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Speaker 2: going to be sharing her favorite money wins from the community.

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Speaker 2: Beck say ed she's got a few broke tips that

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Speaker 2: she definitely didn't steal from her girlfriend. We're gonna be

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Speaker 2: helping to answer a juicy money dilemma, which this week

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Speaker 2: is all about different options when it comes to taking

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Speaker 2: out a home loan. And we're going to unpack something

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Speaker 2: that you slid into our DMS about this week. We're

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Speaker 2: talking about how to navigate family traditions that don't feel

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Speaker 2: like you when you're planning your wedding. So to start

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Speaker 2: off the week, I want to know, mister Gricci, you

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Speaker 2: finished your first sewing project. See it.

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Speaker 4: I'm so excited. I text a few people this morning

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Speaker 4: was like, look at my bag because I finished it

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Speaker 4: at like twelve thirty last night, because you know when

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Speaker 4: you get going, and I was so close to the

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Speaker 4: end and I just had to finish it anyway. So

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Speaker 4: it's a little wonky, a little bit ugly, but I'm not.

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Speaker 5: That's so cute.

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Speaker 4: Painting. I'm like, look what I did, But it's beautiful.

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Speaker 2: And do you know what it doesn't look as how

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Speaker 2: you're going as I thought it might.

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Speaker 4: Thank you. Well, that's a big compliments.

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Speaker 2: Like when you said it looks a bit and I

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Speaker 2: was like, oh, have you got a picture, and then

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Speaker 2: you showed me. I was like, oh no, that's not

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Speaker 2: what I expected.

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Speaker 4: That's much better.

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Speaker 5: I wouldn't have thought someone handmade that.

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Speaker 2: Oh I thought you bought it, so I that is

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Speaker 2: the ten und of ten. What's the next sewing project?

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Speaker 6: Though?

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Speaker 4: I really want to try making like a top well,

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Speaker 4: because the whole reason I wanted to learn to sew

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Speaker 4: was because I wanted to be able to sew my

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Speaker 4: own clothes, because clothes stuck. Like I went to cotton

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Speaker 4: on and the top was like sixty dollars.

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Speaker 2: This was going on with that. By the way, cotton

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Speaker 2: you were meant to be accessible.

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Speaker 4: So it's like I would go like previously and things

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Speaker 4: would just be like to me, a top, like a

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Speaker 4: cheap top is like forty dollars maxed maybe thirty five.

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Speaker 5: The three dollars that came out. But sorry, continue what

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Speaker 5: you're doing totally.

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Speaker 4: But it feels like thinking so expensive. I'm about topic,

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Speaker 4: but did you see speaking of things being really inflated

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Speaker 4: that Cole's last financial year, they've released their profits and

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Speaker 4: it was point one billion with a B, and then

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Speaker 4: they had the audacity in their statement to say we've

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Speaker 4: been working really hard to like help our consumers through

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Speaker 4: this cost of living crisis while making a one point

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Speaker 4: like I just away, it feels like everything's more extensive

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Speaker 4: than it should be.

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Speaker 2: So I want to shareholders wind.

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Speaker 4: Yeah, so hopefully a top.

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Speaker 2: But I feel makes me so mad. And they're like,

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Speaker 2: we're really cracking down on theft. I know, like are

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Speaker 2: you why do you think people are stealing essential sir?

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Speaker 2: And also like low key, I'm not going to help you,

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Speaker 2: Like I see that. That might be your narrative. But

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Speaker 2: if I see someone stealing something at Coal's, I see

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Speaker 2: someone stealing, that's not I didn't see that. I should

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Speaker 2: have had my glasses. I'm so sorry, mister Colesman. Not

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Speaker 2: my circus, not my monkeys.

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Speaker 4: Yeah, it just is wild. So yeah, maybe you'll see

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Speaker 4: me in a top one day soon. Might be a

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Speaker 4: little wonky, will see.

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Speaker 2: I don't care. We've made me love.

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Speaker 4: Yeah.

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Speaker 2: Have you been sewing your own clothes this week?

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Speaker 1: No?

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Speaker 5: I have been doing a different type of sewing, but

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Speaker 5: in the skin.

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Speaker 2: Oh that's right. You've got your tax money back and

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Speaker 2: you've spent it on tattoos. Is that what you mean?

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Speaker 5: I got like six tattoos and I just want to

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Speaker 5: say the place I got it from. They're called liquid Silver.

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Speaker 2: Here we go, we're just going to do a little

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Speaker 2: shout out. I like it.

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Speaker 5: Yeah, it's so cheap.

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Speaker 2: Are they how much do you tattoos cost? As somebody,

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Speaker 2: what did you get? You don't?

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Speaker 5: You don't usually are but you I know that this

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Speaker 5: is this is beyond Like they were so nice to me,

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Speaker 5: and I just want to say thank you so much?

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Speaker 2: How much just the tattoo cost? Because I actually don't

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Speaker 2: do you know how much tattoo costs?

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Speaker 5: Just well, I's got like one random word that is

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Speaker 5: four letters, and it was very small and that was

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Speaker 5: like one hundred and fifty bucks when I first got

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Speaker 5: not from this place, but yeah, and so I was like, oh,

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Speaker 5: oh my god, if I want to get six tattoos,

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Speaker 5: that's a lot. It's gonna be like a thousand bucks.

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Speaker 5: It wasn't Do you want to know? Am I allowed

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Speaker 5: to say how much it was?

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Speaker 4: Yeah?

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Speaker 2: Of course I know. I want to know.

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Speaker 5: I got five tatooes for like four hundred bucks.

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Speaker 4: That does seem very cheap.

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Speaker 5: Yeah, And I guess like cause I like design them all,

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Speaker 5: So maybe that's many difference.

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Speaker 2: But I have no idea, And to be honest, I

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Speaker 2: thought it was going to be way more than I

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Speaker 2: thought tatoos were like thousands.

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Speaker 5: Yeah, same anyway, that's my plan is having my body.

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Speaker 2: Get tatoo to her later, not for the show, because

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Speaker 2: this is an audio product, so like literally no point

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Speaker 2: right now, but maybe later. Yes, let's get into the

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Speaker 2: show though, because I want to know, mister Chi, tell

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Speaker 2: me what money wins or confessions have you seen coming

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Speaker 2: out of the group this.

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Speaker 4: Week, Randy, My first one this week comes from Danielle,

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Speaker 4: who said it's a huge one for her and her partner.

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Speaker 4: It's been over two years in the making and she's

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Speaker 4: been counting down the days until she could share it

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Speaker 4: with the group. They now have over six figures invested.

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Speaker 4: She said she used to think that this would never

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Speaker 4: be her and she knows that she's really privileged to

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Speaker 4: have been able to prioritize this over the time period

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Speaker 4: that they did. But she's really grateful to she's on

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Speaker 4: the money for the advice because they wouldn't be able

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Speaker 4: to be there otherwise, which I just thought was really nice.

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Speaker 2: Yeah, six figures invested, that's crazy.

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Speaker 4: And I just want to say, and I've read ones

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Speaker 4: before from people who have said I've invested for the

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Speaker 4: first time and I've put five dollars in if it's

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Speaker 4: six figures, or if it's six dollars, if you've started

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Speaker 4: investing because of the show, Like that is just unreal.

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Speaker 2: In our brains. What did we record just earlier?

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Speaker 5: Beck, We did just do an episode on investments, actually.

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Speaker 2: And Beck shared that not only because remember how Beck

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Speaker 2: downloaded the chares heasapp Yes, that doesn't mean that you invested, Yes,

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Speaker 2: but how much have you got invested? Beck?

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Speaker 4: Nine dollars? Well done, Thank you, very exciting. So congratulations Doniel.

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Speaker 4: That is just so so so cool. Next, I've got

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Speaker 4: money in from Amanda, who also is very proud of herself.

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Speaker 4: Completely different story though she said, this is very niche

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Speaker 4: cultural content. It's coming up to the mid Autumn festival

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Speaker 4: and boxes of mooncakes are now on sale. They're fifty, sixty, seventy,

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Speaker 4: even up to one hundred and fifty dollars for a

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Speaker 4: really premium gift. Box of four mooncakes.

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Speaker 2: Are so expensive and if you.

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Speaker 4: Didn't know, it's a tradition you give them to friends

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Speaker 4: and families. So good, I've never happen before.

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Speaker 2: Oh my god, maybe we should get them because they're

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Speaker 2: on sale now.

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Speaker 4: So Amanda said that it's really expensive, and attrition is

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Speaker 4: you give them to lots of people during this period.

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Speaker 4: She said, it's really hard to justify that cost. So

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Speaker 4: she spent four hours and twenty dollars on some ingredients.

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Speaker 4: She used a wooden mold that she'd been gifted and

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Speaker 4: she made twenty four mini mooncakes all by herself. That's

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Speaker 4: homemade gift from the heart. And she's got enough ingredients

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Speaker 4: left over she could make another twenty four.

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Speaker 5: What a money.

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Speaker 4: And there is a lovely photo that Amanda put in.

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Speaker 2: And they look adorable. Oh so cute? Oh those are

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Speaker 2: they look like the ones that you get in the

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Speaker 2: box and they.

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Speaker 4: Were really professional and I just thought that was very cool,

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Speaker 4: like a cool way to go. Hey, like I still

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Speaker 4: want to participate the tradition, but like the you know,

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Speaker 4: buying a one hundred and fifty old books not for me.

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Speaker 2: No, it's so expensive.

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Speaker 4: What's Amanda girl?

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Speaker 2: Really cool?

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Speaker 4: Nest I've got money in from Alice who said they

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Speaker 4: were about to buy a new dryer because there's was

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Speaker 4: leading marks all over their clothes. Then her partner called Alga,

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Speaker 4: who I'm assuming the washer was from or the dryer,

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Speaker 4: and they sent a technician out fixed it the same

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Speaker 4: day for free. For free, doesn't.

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Speaker 2: Hurt to us.

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Speaker 5: Total, that's so sick.

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Speaker 4: So good. Next, I've got a money in from V

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Speaker 4: who said she found an excellent conditioned cat tree on

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Speaker 4: the nature strip. She dragged it in two minutes before

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Speaker 4: the big storm hit Melbourne.

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Speaker 2: Oh oh my gosh, that would have been absolutely ruined.

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Speaker 4: Yes, and it's one of those ones. She's put it in

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Speaker 4: a photo which I was share in a second. It's

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Speaker 4: one of those ones covered in for She said her

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Speaker 4: two ginger cats, Fred and George, absolutely love it. Thank

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Speaker 4: you to the mystery neighbory she reckons would be one

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Speaker 4: hundred dollars originally, I'm sorry the cat photos.

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Speaker 2: Do you know what? She knows the rules. She knows

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Speaker 2: the rules. If you going to talk about your pets,

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Speaker 2: you have to pay the pet tax.

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Speaker 4: They has paid her pet tax. There's lots of good

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Speaker 4: photos on the thread this month, guy, so definitely go

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Speaker 4: check it out. I am going to end on a

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Speaker 4: money loss this week, okay, and a good reminder.

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Speaker 5: I think she.

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Speaker 4: Lost both her car keys and it's going to cost

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Speaker 4: her twelve one hundred dollars to replace both of them.

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Speaker 2: I'm sorry twelve hundred dollars.

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Speaker 4: Give someone your spare car key and you know what,

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Speaker 4: most even if you have a clickie, like a lot

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Speaker 4: of us have the boo ye.

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Speaker 2: What the you know what I mean? I knew, I knew,

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Speaker 2: I knew the first time.

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Speaker 4: There'll often be a manual key as well, So just

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Speaker 4: get a cut of your beause to replace the electric

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Speaker 4: bit I.

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Speaker 2: Don't know what to call it.

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Speaker 4: For a remote, Yeah, from embarrassing, to replace the remote

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Speaker 4: is often extremely really liked the much better.

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Speaker 5: That is much better actually objectively.

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Speaker 4: To replace the remote is often extremely expensive. So if

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Speaker 4: you have a car key that does have a manual,

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Speaker 4: just cut a copy of the manual, give you your parents,

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Speaker 4: or your best friends or your neighbors, so that if

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Speaker 4: you lose your remote, you can at least still get

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Speaker 4: into your car and you're not like, oh my god,

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Speaker 4: I have to pay twelve hundred dollars or I can

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Speaker 4: literally never drive again. Yeah.

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Speaker 2: That's also like another money in if you are buying

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Speaker 2: a brand new car, you know, when you're like negotiating price,

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Speaker 2: negotiate to get an extra key.

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Speaker 4: Oh that's so small.

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Speaker 7: Yeah, Like if you're.

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Speaker 2: At a car dealership and asking, you know, can I

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Speaker 2: get a better price? Lock them down on price, and

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Speaker 2: then say, also can you please throw in an additional key.

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Speaker 2: That time is also the time, I don't know, I'm

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Speaker 2: full of cartoest today to ask for like upgraded floor mats,

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Speaker 2: or like additional wipers that you can put in the

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Speaker 2: glove box. Like just knows how to change car wipers, So.

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Speaker 4: Call her surprisingly easy, Yes, exactly.

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Speaker 2: But that's the time that you want to ask for

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Speaker 2: an additional key if one's not included, or you want

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Speaker 2: an extra because they're so expensive, and you just know,

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Speaker 2: you just know that the dealership it doesn't cost them

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Speaker 2: that much.

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Speaker 4: Now they probably have a machine out of the back.

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Speaker 2: I want to spare it. Thank you.

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Speaker 4: That's so smart. Well, Le, you go very sorry for

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Speaker 4: your money lost cap, but hopefully that can be a

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Speaker 4: future money win for someone else.

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Speaker 2: Yeah, all right, that's a really good place to leave those. Beck.

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Speaker 2: You got some broke tips, my love, I sure do.

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Speaker 5: I was gonna say once I ended up losing my keys.

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Speaker 5: I was instant Kilda or something, and I was quoted

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Speaker 5: like fourteen hundred. It was between fourteen hundred and two

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Speaker 5: thousand dollars. And you see my car, it's so old.

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Speaker 4: I could break a window and replace that exactly.

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Speaker 5: Jiggle the handle for long enough. It's just gonna calm

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Speaker 5: undone by itself.

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Speaker 2: I could probably jimmy this with a screwdriver, but three dollars.

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Speaker 5: I googled, googled Google, even went on Reddit randomly. I

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Speaker 5: went everywhere and I found someone who did it.

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Speaker 4: Didn't look very.

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Speaker 5: Very safe, look very dodgy, but he did it for

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Speaker 5: three hundred bucks.

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Speaker 2: Soueen. Just know that Google is your friend, a good

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Speaker 2: reminder to shop around you go.

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Speaker 5: Exactly okay, So I have two broke tips from the

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Speaker 5: commune and one for myself, as per usual. Exciting when

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Speaker 5: one listener said shop at NQR. I know we've gone

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Speaker 5: and said, we usually talk about like Cheaper by Miles

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Speaker 5: and its equivalents, but I don't think I've mentioned.

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Speaker 2: Q yours, and I feel like I'm missing out. It

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Speaker 2: is so fun, like everything's basically a dollar.

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Speaker 5: Everything's a dollar. Actually, I was watching this is Cheaper

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Speaker 5: by Miles, but it's very similar to NQR. Someone went

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Speaker 5: and they said, like, you know, they have like ten bucks,

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Speaker 5: and they made like a video of it. And he

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Speaker 5: went through and kind of just like picked items and

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Speaker 5: he had like a whole basket full of stuff and

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Speaker 5: he only had ten dolls on him. So you go

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Speaker 5: to places like NQR Cheaper by Miles, and of course

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Speaker 5: people things are in there because they're not quite right

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Speaker 5: they're NQR. But that's fine.

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Speaker 2: It doesn't care about.

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Speaker 5: We don't care about.

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Speaker 4: That's like a smash box or a misprinted label.

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Speaker 5: Soon things that are completely fine to eat and tasty

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Speaker 5: and also fun. It is so fun going in there

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Speaker 5: because there's like little toys and things like it's exciting.

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Speaker 2: It's just it's an adventure.

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Speaker 5: It's an adventure.

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Speaker 2: I love it and you are good one, especially right now.

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Speaker 2: The one thing that I do remember them having a

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Speaker 2: lot of is like school snacks, like snacks for kids

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Speaker 2: for their lunch boxes. And I mean we've all been

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Speaker 2: kids where you get a bit sick of our lunch

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Speaker 2: box snacks. What a good way to mix it up?

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Speaker 5: Yes?

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Speaker 2: Or cheap?

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Speaker 1: Yes.

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Speaker 5: The sex one comes from a friend of mine.

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Speaker 2: Next, like, I don't have kids, not a problem for.

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Speaker 5: Problem, easy easy easy sext one comes from a friend.

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Speaker 5: And I know you guys are not going to like

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Speaker 5: this one, but this is so al okay show, let's

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Speaker 5: go okay. So if you're going to like those BYO restaurants, yeah.

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Speaker 2: Usually this is definitely up our alley by the way, Okay, past.

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Speaker 5: Are good, So you know, it's I feel like it's

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Speaker 5: really socially unacceptable to take yourself a bottle of what

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Speaker 5: are they called the bladder of goon or a bottle of.

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Speaker 2: Phrased that way, and that does make it less attractive,

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Speaker 2: doesn't it? Carry on?

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Speaker 5: Bag cusp off. Of course, it's.

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Speaker 2: A matter of what I mean, teches correct.

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Speaker 4: I was just like, I don't think you're wrong. I

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Speaker 4: just think it's gross.

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Speaker 5: Yeah, the image of.

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Speaker 2: That carry on. So we're not taking that to bo apparently.

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Speaker 5: But if you have, like everyone does this, But I

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Speaker 5: always keep my old wine bottles because it's really nice

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Speaker 5: for like if you want to put like a little

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Speaker 5: pop plane in a little flower or something like that,

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Speaker 5: so you like keep all your old wine bottles.

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Speaker 2: I am keeping all my old wine bottles because my

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Speaker 2: niece and my nephew are collecting them for the recycling.

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Speaker 2: So like I I get crucified if they come to

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Speaker 2: my house and there's not a collection of recyclables for them,

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Speaker 2: because that's their pocket money. Drinking.

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Speaker 5: Baby, Well, you would really find enjoyment in this because

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Speaker 5: you can just chuck.

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Speaker 2: I know that you can put goon wine in the

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Speaker 2: if you're.

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Speaker 5: In the bottle or your fat little lamb or whatever

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00:15:02,680 --> 00:15:04,920
Speaker 5: cheap equivalent of alcohol you have. I used to do

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Speaker 5: like a spirits mixed with This is really gross, but

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00:15:06,840 --> 00:15:09,640
Speaker 5: it was spirits mixed with seventy five cent soda water

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00:15:09,800 --> 00:15:11,720
Speaker 5: and a dash of cord.

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Speaker 2: Sorry, reframe, you made cocktails.

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Speaker 4: I cocktails.

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Speaker 5: I made cocktails and it was so cheap, and it

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Speaker 5: was like, god like, it's so easy to just go,

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00:15:21,160 --> 00:15:22,840
Speaker 5: you know, but you can't like walk around with like

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Speaker 5: a plastic bottle of soda water.

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Speaker 2: I walk around with a bottle of wine either.

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Speaker 5: But that's true.

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Speaker 2: But yeah, you're taking anybody's here to stop you very deep,

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Speaker 2: it's very discreet.

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Speaker 5: Just know that me and everyone else, no one's going

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Speaker 5: to judge you for doing this. And I think it's

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Speaker 5: a really good way.

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Speaker 2: No, Okay, iconic, I'll call to a Bayo restaurant for

357
00:15:41,920 --> 00:15:44,680
Speaker 2: cheap And that's not even your broke tick. That was

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Speaker 2: somebody else's.

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00:15:45,640 --> 00:15:47,120
Speaker 5: That's but I did say it was a friend. And

360
00:15:47,280 --> 00:15:49,720
Speaker 5: you know, I surround myself with people just like myself,

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00:15:50,160 --> 00:15:53,280
Speaker 5: as you should call as I should. This next one

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00:15:53,520 --> 00:15:56,120
Speaker 5: also comes from a friend, but I'm going to claim it. Okay,

363
00:15:56,160 --> 00:15:58,640
Speaker 5: all right, so I'm claiming it. It's my own. So

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00:15:59,000 --> 00:16:02,480
Speaker 5: my friend said switch or sorry, I say, switch off

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00:16:02,480 --> 00:16:04,920
Speaker 5: your hot water when out for the day. Electric hot

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00:16:04,920 --> 00:16:07,960
Speaker 5: water systems in particular, not like with gas. You have

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00:16:08,080 --> 00:16:11,760
Speaker 5: like a what was it called that burning? What's a pilot?

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00:16:11,760 --> 00:16:12,240
Speaker 2: Pilot like?

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00:16:12,800 --> 00:16:14,440
Speaker 5: Don't switch that off because I feel like it takes

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00:16:14,440 --> 00:16:16,960
Speaker 5: a whole team of professionals coming and switch that back on.

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00:16:17,120 --> 00:16:19,040
Speaker 5: If you have an electric hot water system, switch it

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Speaker 5: off for the day as you go out. It'll save

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Speaker 5: your money.

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Speaker 2: I'm so confused. Do you think that? Sorry, I'm not confused.

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00:16:24,640 --> 00:16:28,400
Speaker 2: I just have questions. Please quite smart. So I like that,

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00:16:28,680 --> 00:16:31,080
Speaker 2: But does it then cost you more to reheat it?

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00:16:31,400 --> 00:16:33,080
Speaker 4: This is what a guy said to me about heating

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00:16:33,120 --> 00:16:34,800
Speaker 4: the house. Remember how I've been like two months in

379
00:16:34,800 --> 00:16:38,880
Speaker 4: a row and heating meal. Won't it eight dollars? I

380
00:16:38,920 --> 00:16:41,240
Speaker 4: just paid them. We didn't pay the first one because

381
00:16:41,280 --> 00:16:44,040
Speaker 4: I was just so in shock. Switch pay sixteen hundred

382
00:16:44,040 --> 00:16:44,560
Speaker 4: dollars this month.

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Speaker 2: I know you didn't for your heater. H Do we

384
00:16:50,440 --> 00:16:53,400
Speaker 2: want to talk about I mean I do, but then

385
00:16:53,440 --> 00:16:55,160
Speaker 2: we can see your trauma we're talking.

386
00:16:54,840 --> 00:16:57,200
Speaker 4: To someone, and they said, just instead of turning it off,

387
00:16:57,240 --> 00:16:59,000
Speaker 4: because I'm like, I don't understand, like I'm turning it

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00:16:59,000 --> 00:17:00,680
Speaker 4: off during the day, like we're only for attit of

389
00:17:00,800 --> 00:17:01,840
Speaker 4: like we cannot get.

390
00:17:01,760 --> 00:17:04,000
Speaker 2: I think this is where this question in my head

391
00:17:04,119 --> 00:17:06,400
Speaker 2: is coming from, from you saying, like I turn it off.

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00:17:06,400 --> 00:17:08,160
Speaker 2: I don't get it, Like is it the reheat?

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00:17:08,440 --> 00:17:10,320
Speaker 4: Yeah, well that's what this heating person said, is it

394
00:17:10,400 --> 00:17:13,480
Speaker 4: might be more affordable to just keep even overnight, keep

395
00:17:13,520 --> 00:17:16,120
Speaker 4: it at like seventeen degrees or like, because our house

396
00:17:16,160 --> 00:17:18,520
Speaker 4: has been dropping to like twelve on the really cold days.

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Speaker 4: I don't get a whole other story about insalation, but anyway,

398
00:17:22,160 --> 00:17:24,359
Speaker 4: he was like, just try pay enough to keep it

399
00:17:24,359 --> 00:17:27,760
Speaker 4: at you know, seventeen or so, and then it'll be

400
00:17:27,800 --> 00:17:30,040
Speaker 4: actually more affordable in the long run than trying to

401
00:17:30,080 --> 00:17:32,320
Speaker 4: pump enough heat to bring it up from like twelve,

402
00:17:32,400 --> 00:17:34,480
Speaker 4: which I blew my mind but.

403
00:17:34,560 --> 00:17:38,760
Speaker 2: Also makes sense. Yeah, like science sciences, but the math

404
00:17:38,840 --> 00:17:40,040
Speaker 2: in my head not math.

405
00:17:40,240 --> 00:17:43,240
Speaker 4: Yeah, it's all too far over for me. But I

406
00:17:43,280 --> 00:17:44,280
Speaker 4: don't know if maybe you're right.

407
00:17:44,440 --> 00:17:46,520
Speaker 2: I just have questions. So I think that that might

408
00:17:46,560 --> 00:17:48,680
Speaker 2: be really smart because the hot water system is definitely

409
00:17:48,680 --> 00:17:51,080
Speaker 2: not the same as heating a whole house. Like maybe

410
00:17:51,080 --> 00:17:52,480
Speaker 2: you just put it through and it's one of those

411
00:17:52,520 --> 00:17:53,920
Speaker 2: like instant hot water systems.

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00:17:54,000 --> 00:17:57,199
Speaker 5: Yeah, true, Yeah, well much time, I'm thinking, because if

413
00:17:57,240 --> 00:18:00,679
Speaker 5: you like turn your car on every time you stop,

414
00:18:01,160 --> 00:18:03,359
Speaker 5: turn off and on, that's using all more petrols than

415
00:18:03,359 --> 00:18:05,920
Speaker 5: if you just like idling, I assume is it the same?

416
00:18:07,119 --> 00:18:08,560
Speaker 2: Was it built it into my car then?

417
00:18:08,720 --> 00:18:09,600
Speaker 4: Yeah?

418
00:18:09,840 --> 00:18:13,359
Speaker 5: H yeah, sorry, I forgot that. I forgot about your

419
00:18:13,680 --> 00:18:24,000
Speaker 5: newer car.

420
00:18:21,880 --> 00:18:25,000
Speaker 2: Victoria's car fan over here.

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00:18:25,080 --> 00:18:27,120
Speaker 5: Yeah, in that case, I take that back.

422
00:18:27,200 --> 00:18:29,520
Speaker 2: No, no, no, that doesn't mean it's true. It's actually the

423
00:18:29,520 --> 00:18:32,119
Speaker 2: most annoying thing in the entire world, that is the

424
00:18:32,160 --> 00:18:35,520
Speaker 2: most one of the most first world problems. Is I

425
00:18:35,560 --> 00:18:38,600
Speaker 2: hate when my newer car stops at the traffic lights

426
00:18:38,640 --> 00:18:40,439
Speaker 2: and then I want to go, but then I have

427
00:18:40,560 --> 00:18:44,240
Speaker 2: that few second delay lag of like the car turning

428
00:18:44,280 --> 00:18:46,840
Speaker 2: itself back on and I can't. I feel like the

429
00:18:46,840 --> 00:18:48,720
Speaker 2: people behind me are grumpy at me.

430
00:18:49,119 --> 00:18:50,879
Speaker 4: That's probably why on my list of things that are

431
00:18:50,920 --> 00:18:53,240
Speaker 4: embarrassing for no good reason. Yeah, you know what I mean,

432
00:18:53,359 --> 00:18:54,720
Speaker 4: Like that, if you don't take off quick enough of

433
00:18:54,760 --> 00:18:56,760
Speaker 4: the lights, like it's fine, it's not that deep, but

434
00:18:56,840 --> 00:18:59,320
Speaker 4: like or yeah, the sound of the car turning on,

435
00:18:59,480 --> 00:19:04,520
Speaker 4: Like sometimes my radio won't work, Like it just will

436
00:19:04,560 --> 00:19:05,840
Speaker 4: not work, so you have to turn the car off

437
00:19:05,840 --> 00:19:07,639
Speaker 4: and on, and so I won't notice until i'd like

438
00:19:07,680 --> 00:19:09,199
Speaker 4: driven to the first up traffic lights and then I'll

439
00:19:09,200 --> 00:19:10,520
Speaker 4: try to turn my car off and then on to

440
00:19:10,520 --> 00:19:11,040
Speaker 4: get it going.

441
00:19:11,280 --> 00:19:12,280
Speaker 2: Oh that's embarrassing.

442
00:19:12,359 --> 00:19:14,639
Speaker 4: Yeah, so embarrassing. I'm like, Oh, my other person the

443
00:19:14,640 --> 00:19:16,080
Speaker 4: car behind me can see me turn my car off.

444
00:19:16,280 --> 00:19:20,640
Speaker 2: I feel like there is that are embarrassing that shouldn't

445
00:19:20,640 --> 00:19:23,720
Speaker 2: be embarrassingly. The other day, I went on a walk

446
00:19:23,800 --> 00:19:25,840
Speaker 2: because I wanted to like go a different way because

447
00:19:25,920 --> 00:19:28,920
Speaker 2: usually I do like a loop around my area, which

448
00:19:28,960 --> 00:19:31,680
Speaker 2: I've talked about a million times. But I like, at

449
00:19:31,680 --> 00:19:33,879
Speaker 2: what point do you turn around and not look insane?

450
00:19:34,240 --> 00:19:37,679
Speaker 2: I know, lip like, what do you do? Do you

451
00:19:37,720 --> 00:19:40,840
Speaker 2: just stop halfway up the path, turn around and start walking.

452
00:19:40,880 --> 00:19:45,280
Speaker 5: You got to pretend you're on the phone on the phone,

453
00:19:45,640 --> 00:19:47,280
Speaker 5: and I kind of like or all back and forth

454
00:19:47,320 --> 00:19:48,600
Speaker 5: a bit, and then I like kind of like kick

455
00:19:48,680 --> 00:19:50,600
Speaker 5: the stones on the ground and then I will slowly

456
00:19:50,600 --> 00:19:51,159
Speaker 5: walk the other way.

457
00:19:51,200 --> 00:19:52,560
Speaker 4: I do that at the shops if I've gone the

458
00:19:52,560 --> 00:19:56,119
Speaker 4: wrong direction. I'm like, too embarrassing to just simply turn around, Like,

459
00:19:56,280 --> 00:19:57,440
Speaker 4: God forbid.

460
00:19:57,080 --> 00:19:59,439
Speaker 2: I wanted to get something else from the fruit and

461
00:19:59,520 --> 00:20:03,400
Speaker 2: vegetable section and I have to go back now. That's

462
00:20:03,440 --> 00:20:05,320
Speaker 2: in fact, we need to do a thread just in

463
00:20:05,359 --> 00:20:08,080
Speaker 2: the Facebook group this week of just things that are

464
00:20:08,520 --> 00:20:12,280
Speaker 2: so embarrassing for no good reason. Do you know what

465
00:20:12,320 --> 00:20:15,200
Speaker 2: else I find really embarrassing that shouldn't be embarrassing? Money

466
00:20:15,200 --> 00:20:18,400
Speaker 2: related though, having to count out my money, Like when

467
00:20:18,440 --> 00:20:21,840
Speaker 2: I'm like, like when I've got like coins or something,

468
00:20:21,960 --> 00:20:25,359
Speaker 2: I just feel the amount of stress that I feel

469
00:20:25,920 --> 00:20:29,359
Speaker 2: making the cashier weight for me to find the money.

470
00:20:29,560 --> 00:20:31,960
Speaker 2: It's almost like I forgot that I could even add

471
00:20:32,000 --> 00:20:34,080
Speaker 2: money together. I'm like, how much more did you need?

472
00:20:34,080 --> 00:20:35,359
Speaker 2: And They'll be like a dollar and I'd be like,

473
00:20:35,400 --> 00:20:37,760
Speaker 2: I don't know how to calculate a dollar, Like my

474
00:20:37,840 --> 00:20:40,320
Speaker 2: brain just turns off. It's mortifying.

475
00:20:40,520 --> 00:20:43,399
Speaker 4: Yeah, God, anxiety, you love to see it.

476
00:20:43,760 --> 00:20:46,960
Speaker 2: Everybody everybody listening to this, Who's like, I don't find

477
00:20:47,080 --> 00:20:51,160
Speaker 2: anything You don't have anxiety? Do you?

478
00:20:51,480 --> 00:20:51,840
Speaker 6: World?

479
00:20:52,359 --> 00:20:52,720
Speaker 5: All right?

480
00:20:52,760 --> 00:20:55,600
Speaker 2: Well, those were good broke tips. Those were epic community

481
00:20:55,640 --> 00:20:57,960
Speaker 2: money wins. Let's go to a really quick break on

482
00:20:58,000 --> 00:20:59,600
Speaker 2: the flip side. We're going to be talking about the

483
00:20:59,640 --> 00:21:02,240
Speaker 2: different options when it comes to taking on a home own,

484
00:21:02,640 --> 00:21:04,280
Speaker 2: and we're going to be talking about something a little

485
00:21:04,280 --> 00:21:07,760
Speaker 2: bit spicier. How do you navigate family traditions that don't

486
00:21:07,760 --> 00:21:10,639
Speaker 2: feel very much like you when planning your wedding? So

487
00:21:10,800 --> 00:21:12,199
Speaker 2: don't go anywhere.

488
00:21:16,480 --> 00:21:18,960
Speaker 4: Welcome back everyone. Let's take a listen to this week's

489
00:21:18,960 --> 00:21:19,919
Speaker 4: money dilemma? Shall we?

490
00:21:22,200 --> 00:21:22,360
Speaker 2: Hi?

491
00:21:22,440 --> 00:21:25,200
Speaker 8: There? Have you got a money dilemma you just can't solve?

492
00:21:25,359 --> 00:21:27,560
Speaker 8: The Sheese on the Money team is here to help.

493
00:21:27,880 --> 00:21:30,919
Speaker 8: Every week, we tackle your dilemmas, both big and small,

494
00:21:30,960 --> 00:21:34,040
Speaker 8: to answer your most burning money, career and life questions.

495
00:21:34,240 --> 00:21:36,760
Speaker 8: To get involved, simply head to our website and leave

496
00:21:36,840 --> 00:21:38,960
Speaker 8: us a short voice recording and you might just find

497
00:21:38,960 --> 00:21:41,680
Speaker 8: yourself on the show. Now, let's take a listen to

498
00:21:41,720 --> 00:21:42,960
Speaker 8: this week's money dilemma.

499
00:21:47,119 --> 00:21:50,040
Speaker 6: I'm currently saving for my first home, aiming for around

500
00:21:50,040 --> 00:21:53,720
Speaker 6: seven hundred thousand and eager to start asap due to

501
00:21:53,720 --> 00:21:56,959
Speaker 6: the rising market. I have ninety thousand dollars in stocks

502
00:21:57,000 --> 00:22:00,840
Speaker 6: and forty thousand dollars saved. My family can't be guarantee

503
00:22:00,960 --> 00:22:03,520
Speaker 6: or can't help with the deposits, so I'm considering two

504
00:22:03,560 --> 00:22:07,520
Speaker 6: options at the moment company called own Home. With my

505
00:22:07,640 --> 00:22:11,080
Speaker 6: current forty percent savings, I can enter the market now.

506
00:22:11,520 --> 00:22:14,480
Speaker 6: My repayments would be about four eight hundred per month

507
00:22:14,640 --> 00:22:17,879
Speaker 6: at a six point nine percent variable. If I wanted

508
00:22:17,920 --> 00:22:20,720
Speaker 6: to save an extra forty thousand dollars over the next

509
00:22:20,720 --> 00:22:22,560
Speaker 6: six to eight months, I can go with a company

510
00:22:22,600 --> 00:22:26,560
Speaker 6: called timely Home. My repayments would be around about three thousand,

511
00:22:26,640 --> 00:22:29,960
Speaker 6: seven hundred per month at a five point nine percent

512
00:22:30,000 --> 00:22:31,520
Speaker 6: fixed rate for two years.

513
00:22:31,760 --> 00:22:34,760
Speaker 7: Alternatively, I can catch in all of my stocks for

514
00:22:34,800 --> 00:22:38,560
Speaker 7: an almost twenty percent deposit and follow a normal bank route. However,

515
00:22:38,600 --> 00:22:40,520
Speaker 7: it's just going to leave me with no safety net

516
00:22:40,840 --> 00:22:43,440
Speaker 7: and I'm going to face capital gains at tax time.

517
00:22:43,720 --> 00:22:46,040
Speaker 2: Any advice would be so appreciated.

518
00:22:46,080 --> 00:22:46,399
Speaker 6: Guys.

519
00:22:46,640 --> 00:22:49,720
Speaker 4: I'm always just skeptical if I'm honest of anything that's

520
00:22:49,800 --> 00:22:53,000
Speaker 4: not a bank, which I know, like, it's really great

521
00:22:53,000 --> 00:22:54,720
Speaker 4: that we have access to all of these different things.

522
00:22:54,720 --> 00:22:58,159
Speaker 4: And I don't know anything about either of those companies,

523
00:22:58,800 --> 00:23:01,879
Speaker 4: but even rent to Buy, I just I don't know.

524
00:23:01,880 --> 00:23:04,119
Speaker 4: There's something about it that makes me a little bit iffy.

525
00:23:04,520 --> 00:23:07,560
Speaker 2: And I did a little bit of research and they

526
00:23:07,560 --> 00:23:11,399
Speaker 2: seem like two different things. So own Home when I

527
00:23:11,440 --> 00:23:13,520
Speaker 2: have a look at it. It's like spend less to

528
00:23:13,560 --> 00:23:17,520
Speaker 2: become a homeowner, rah rah. And it's definitely some type

529
00:23:17,640 --> 00:23:22,520
Speaker 2: of low deposit home loan scheme where they are the

530
00:23:22,640 --> 00:23:26,200
Speaker 2: lending facility. Whereas Timely that she mentioned, when I look

531
00:23:26,240 --> 00:23:29,240
Speaker 2: them up, they're just mortgage brokers. So the one thing

532
00:23:29,320 --> 00:23:32,160
Speaker 2: I would say is get really clear on who you're

533
00:23:32,240 --> 00:23:34,680
Speaker 2: talking to. So it sounds like you've done a heap

534
00:23:34,720 --> 00:23:37,280
Speaker 2: of research, and it sounds like you're really well resourced.

535
00:23:37,320 --> 00:23:42,040
Speaker 2: Like forty grand in savings, that's a lot, ninety thousand

536
00:23:42,119 --> 00:23:46,400
Speaker 2: dollars in shares. That's incredible. That doesn't mean you need

537
00:23:46,440 --> 00:23:49,160
Speaker 2: to sell it down, but that is something that goes

538
00:23:49,200 --> 00:23:52,040
Speaker 2: on your assets list when talking to a broker that

539
00:23:52,200 --> 00:23:56,239
Speaker 2: gives you better lending. Like, go and talk to a

540
00:23:56,400 --> 00:23:59,879
Speaker 2: good mortgage broker. I know a heap. I actually employed

541
00:23:59,880 --> 00:24:02,600
Speaker 2: that at Zella Money. But what I would be doing

542
00:24:02,720 --> 00:24:04,840
Speaker 2: is going and talking to a broker who can go

543
00:24:04,960 --> 00:24:08,040
Speaker 2: all right, beck, I'm gonna spread all your options out.

544
00:24:08,200 --> 00:24:11,240
Speaker 2: So right now we have forty thousand dollars in savings,

545
00:24:11,240 --> 00:24:13,160
Speaker 2: we've got your shares, we've got this, we've got that.

546
00:24:13,400 --> 00:24:16,040
Speaker 2: Like any good mortgage broker is going to take you

547
00:24:16,119 --> 00:24:19,480
Speaker 2: through all of your home deposit schemes, what you have

548
00:24:19,680 --> 00:24:22,920
Speaker 2: access to, whether there are banks that would accept you,

549
00:24:23,240 --> 00:24:25,639
Speaker 2: do not pay any LMI if you were to go

550
00:24:25,720 --> 00:24:28,720
Speaker 2: for a loan through them. Like a couple of weeks ago,

551
00:24:29,320 --> 00:24:33,199
Speaker 2: we got a single mum her first home with a

552
00:24:33,320 --> 00:24:39,680
Speaker 2: two percent deposit, no guarantee, nothing, a two percent deposit incredible.

553
00:24:39,840 --> 00:24:44,239
Speaker 2: We see homeowners literally weekly at Zella Money getting their

554
00:24:44,280 --> 00:24:46,560
Speaker 2: first home for a ten percent deposit. We had a

555
00:24:46,560 --> 00:24:48,320
Speaker 2: couple of weeks ago someone get it with a five

556
00:24:48,359 --> 00:24:51,879
Speaker 2: percent deposit. These are people that don't have guaranteores. So

557
00:24:52,000 --> 00:24:54,840
Speaker 2: like obviously with a guaranteur that is really easy. But

558
00:24:54,960 --> 00:24:58,600
Speaker 2: there are different credit unions, there are different lending facilities

559
00:24:58,640 --> 00:25:02,679
Speaker 2: that good broker have access to to help you in

560
00:25:02,720 --> 00:25:06,680
Speaker 2: this situation. And they will put on paper literally sit

561
00:25:06,720 --> 00:25:09,680
Speaker 2: you down and go all right, well, you could buy now,

562
00:25:09,880 --> 00:25:13,440
Speaker 2: here's the outcome of buying now, or you could buy

563
00:25:13,480 --> 00:25:15,600
Speaker 2: in six months when you've got you know, a little

564
00:25:15,600 --> 00:25:18,040
Speaker 2: bit more money. And this is what these outcomes would

565
00:25:18,080 --> 00:25:21,040
Speaker 2: look like. A good mortgage broker isn't rushing you into

566
00:25:21,080 --> 00:25:25,000
Speaker 2: buying asap. And I think when Jess you said, I'm

567
00:25:25,040 --> 00:25:30,560
Speaker 2: skeptical it's because those outcomes or what we're talking about here,

568
00:25:30,600 --> 00:25:34,320
Speaker 2: like own home, I'm super skeptical. I don't want anybody

569
00:25:34,440 --> 00:25:37,520
Speaker 2: swooping in and taking advantage of the fact that you

570
00:25:37,640 --> 00:25:40,560
Speaker 2: don't have the deposit that you think you should have,

571
00:25:40,920 --> 00:25:43,000
Speaker 2: so they go, you know what I can get her.

572
00:25:43,520 --> 00:25:45,919
Speaker 2: I can give her a loan. I can put her

573
00:25:45,960 --> 00:25:49,520
Speaker 2: in quote the best possible position, and she's going to

574
00:25:49,560 --> 00:25:52,200
Speaker 2: be happy with that interest rate, when in reality that's

575
00:25:52,200 --> 00:25:54,800
Speaker 2: not best for long term you. So I would be

576
00:25:54,880 --> 00:25:59,359
Speaker 2: talking to a professional here. Spoiler. When you're talking about

577
00:25:59,359 --> 00:26:03,960
Speaker 2: property with mortgage broker, it's free. It's not like going

578
00:26:04,000 --> 00:26:08,200
Speaker 2: and getting financial advice, which can be crippling. Let's be honest.

579
00:26:08,240 --> 00:26:11,320
Speaker 2: Financial advice is really expensive. But when you're talking to

580
00:26:11,359 --> 00:26:15,040
Speaker 2: a mortgage broker, we get paid by the banks. We

581
00:26:15,080 --> 00:26:18,080
Speaker 2: aren't paid by our consumer, which is for me, the

582
00:26:18,160 --> 00:26:21,760
Speaker 2: sexiest thing about it, because I can give you epic

583
00:26:21,840 --> 00:26:24,560
Speaker 2: advice and it doesn't cost you a thing. It just

584
00:26:24,680 --> 00:26:27,240
Speaker 2: puts you on a better journey, in a better position

585
00:26:27,760 --> 00:26:30,680
Speaker 2: because I got to be involved. So I guess that's

586
00:26:30,720 --> 00:26:33,960
Speaker 2: my just talk to somebody in the know, and it

587
00:26:34,119 --> 00:26:37,720
Speaker 2: sounds like maybe this is a stretch, but from the

588
00:26:37,760 --> 00:26:41,200
Speaker 2: way that you're articulating what's going on. You explained both

589
00:26:41,280 --> 00:26:44,600
Speaker 2: options as though it was one or the other, when

590
00:26:44,640 --> 00:26:48,880
Speaker 2: in reality it was one or a broker who hopefully

591
00:26:48,960 --> 00:26:52,399
Speaker 2: had gave you access to sixty plus different options like

592
00:26:52,440 --> 00:26:55,399
Speaker 2: we do. That should have been more clear when you

593
00:26:55,440 --> 00:26:58,040
Speaker 2: were articulating that to me, and that, to me tells

594
00:26:58,080 --> 00:27:01,679
Speaker 2: me that whoever you've been talking to is maybe not

595
00:27:03,040 --> 00:27:05,320
Speaker 2: helping you in the way that they should be helping you.

596
00:27:05,400 --> 00:27:07,520
Speaker 2: So my advice would be, go and find a broker

597
00:27:07,960 --> 00:27:11,159
Speaker 2: who can assess this homeown option for you. I have

598
00:27:11,320 --> 00:27:15,520
Speaker 2: literally said, and my team have literally said to clients

599
00:27:15,560 --> 00:27:20,679
Speaker 2: sometimes I know that you're here to refinance, Great, don't

600
00:27:20,720 --> 00:27:22,640
Speaker 2: I'd love to help you refinance, but you're not going

601
00:27:22,640 --> 00:27:24,200
Speaker 2: to be in a better position because what you've got

602
00:27:24,280 --> 00:27:27,040
Speaker 2: right now you secured during COVID, and that is epic.

603
00:27:27,760 --> 00:27:30,439
Speaker 2: Please don't refinance yet, but when your time comes up,

604
00:27:30,480 --> 00:27:33,680
Speaker 2: we'll do it. Then we've literally said to people, you're right,

605
00:27:34,200 --> 00:27:36,160
Speaker 2: you can't get a better deal than the one that's

606
00:27:36,200 --> 00:27:39,159
Speaker 2: currently on the table for you. Go with that. Like

607
00:27:39,280 --> 00:27:41,360
Speaker 2: I do not want to just get clients and rack

608
00:27:41,400 --> 00:27:43,480
Speaker 2: them up just because I can. I want to put

609
00:27:43,520 --> 00:27:46,320
Speaker 2: people in the best possible position. Find a broker that

610
00:27:46,359 --> 00:27:49,720
Speaker 2: can do that for you, is my advice. I feel

611
00:27:49,720 --> 00:27:52,080
Speaker 2: like that was like sorry me just being like I

612
00:27:52,320 --> 00:27:56,399
Speaker 2: hate it. Here, I fix this, so apologies. I usually

613
00:27:56,400 --> 00:27:59,000
Speaker 2: give you guys a heap of time to have your opinions,

614
00:27:59,000 --> 00:27:59,919
Speaker 2: but Beck, what would you do?

615
00:28:00,280 --> 00:28:03,600
Speaker 5: You're like, Oh, I'm not the best person because I'm

616
00:28:03,640 --> 00:28:06,000
Speaker 5: I'm literally noticing things in myself, Like when I was

617
00:28:06,000 --> 00:28:08,120
Speaker 5: telling you guys about how I'm trying to like look

618
00:28:08,160 --> 00:28:12,200
Speaker 5: up rent to buy situations and I'm realizing, like it's possible,

619
00:28:12,280 --> 00:28:15,800
Speaker 5: but god, it would be so expensive to do that,

620
00:28:15,840 --> 00:28:16,320
Speaker 5: and it would be.

621
00:28:16,480 --> 00:28:18,880
Speaker 2: It's expensive long term, it's expensive.

622
00:28:18,440 --> 00:28:20,720
Speaker 5: Long term, and like, well, it depends like some people

623
00:28:20,760 --> 00:28:22,639
Speaker 5: would be great, some people wouldn't be great. But I

624
00:28:23,200 --> 00:28:25,480
Speaker 5: just get so like, oh my god, here's my one

625
00:28:25,520 --> 00:28:27,439
Speaker 5: and only chance. And I feel so urgent right now.

626
00:28:27,480 --> 00:28:30,440
Speaker 5: I'll literally sign any paper work that anyone gives me ever,

627
00:28:30,800 --> 00:28:32,399
Speaker 5: and I'm just going to jump straight into me with that.

628
00:28:32,560 --> 00:28:35,320
Speaker 5: So I think that the urgency might be there. I'm

629
00:28:35,359 --> 00:28:38,479
Speaker 5: sure for anyone who's trying to buy the first year,

630
00:28:38,600 --> 00:28:41,680
Speaker 5: I feel it, you know, yeah, And it's like, oh, like,

631
00:28:42,040 --> 00:28:44,760
Speaker 5: let's just chill out and it doesn't matter if this

632
00:28:44,800 --> 00:28:47,000
Speaker 5: happens in a year's time or next year or the

633
00:28:47,120 --> 00:28:49,840
Speaker 5: year after whatever, if it doesn't happen at all.

634
00:28:49,960 --> 00:28:52,840
Speaker 2: I feel like that's really relevant though, like so many

635
00:28:52,880 --> 00:28:55,360
Speaker 2: people experience that. Beck like that sense of it, and

636
00:28:55,400 --> 00:28:57,880
Speaker 2: I feel like that's the two pieces of advice I'd

637
00:28:57,880 --> 00:29:01,000
Speaker 2: have about money when it comes down to it. So

638
00:29:01,040 --> 00:29:06,200
Speaker 2: that first piece is, anybody who gives you a sense

639
00:29:06,240 --> 00:29:09,280
Speaker 2: of urgency around your money does not have your best

640
00:29:09,280 --> 00:29:10,080
Speaker 2: interests at heart.

641
00:29:10,400 --> 00:29:10,920
Speaker 5: That's true.

642
00:29:10,960 --> 00:29:14,360
Speaker 2: Anybody who's asking you to make a split second decision

643
00:29:14,560 --> 00:29:18,000
Speaker 2: to quickly wrap it up, it's for them. It's never

644
00:29:18,080 --> 00:29:22,800
Speaker 2: for you. So if you talk to a broker, you

645
00:29:22,840 --> 00:29:26,080
Speaker 2: talk to a financial advisor, any good one will say

646
00:29:26,120 --> 00:29:29,160
Speaker 2: you let me know when you're ready. I'll leave it

647
00:29:29,200 --> 00:29:31,600
Speaker 2: in your court. You call me if you've got questions,

648
00:29:31,680 --> 00:29:34,040
Speaker 2: You ask me like they might ask you follow up

649
00:29:34,120 --> 00:29:35,680
Speaker 2: questions and be like, hey, Jess, how are you going

650
00:29:35,680 --> 00:29:38,479
Speaker 2: on the house hunt? But they aren't going hey, like

651
00:29:38,560 --> 00:29:40,959
Speaker 2: you really need to find a property this weekend, like

652
00:29:41,000 --> 00:29:43,280
Speaker 2: you needed to settle. Like to me, that is a

653
00:29:43,320 --> 00:29:45,719
Speaker 2: red flag that they do not have your best interests

654
00:29:45,720 --> 00:29:49,400
Speaker 2: at heart. The second piece of advice would be Beck.

655
00:29:49,520 --> 00:29:54,240
Speaker 2: There is always another opportunity. Always, You're not ever going

656
00:29:54,320 --> 00:29:57,720
Speaker 2: to miss out because you didn't take a financial opportunity

657
00:29:57,880 --> 00:29:59,840
Speaker 2: because there's going to be another one. It might not

658
00:30:00,040 --> 00:30:04,040
Speaker 2: look for the same, but it will present itself. And

659
00:30:04,080 --> 00:30:08,720
Speaker 2: I think so often people get this sense of I'm

660
00:30:08,760 --> 00:30:10,280
Speaker 2: going to miss out if I don't take this up.

661
00:30:10,320 --> 00:30:13,040
Speaker 2: Oh my gosh, it's an investment opportunity of a lifetime.

662
00:30:13,440 --> 00:30:16,400
Speaker 2: I promise you it's not. Yeah, Like, it doesn't mean

663
00:30:16,440 --> 00:30:19,120
Speaker 2: that it's a bad opportunity, but if it's not the

664
00:30:19,240 --> 00:30:22,120
Speaker 2: right time for you, it's actually not the right investment.

665
00:30:22,720 --> 00:30:25,240
Speaker 2: So if you have a sense of urgency because you're

666
00:30:25,240 --> 00:30:27,080
Speaker 2: like I just I really need to just get this done.

667
00:30:27,160 --> 00:30:31,280
Speaker 2: All my friends are doing it. I'm feeling behind, terrible idea. Yeah,

668
00:30:31,560 --> 00:30:34,760
Speaker 2: until you feel really calm, really at peace, and really

669
00:30:34,800 --> 00:30:37,720
Speaker 2: measured in the decisions that you're making, that's a good

670
00:30:37,760 --> 00:30:40,680
Speaker 2: financial decision, great advice. I feel like I get so

671
00:30:40,840 --> 00:30:43,959
Speaker 2: frustrated because that sense of urgency is something that I

672
00:30:44,040 --> 00:30:47,560
Speaker 2: often see in the industry. Yeah, and I just know

673
00:30:47,800 --> 00:30:50,240
Speaker 2: that it's not coming from people wanting to put you

674
00:30:50,280 --> 00:30:53,040
Speaker 2: in the best possible position. It's coming from people who

675
00:30:53,160 --> 00:30:55,640
Speaker 2: either want to prey on your lack of literacy and

676
00:30:55,760 --> 00:30:59,560
Speaker 2: the fact that you owning a home would be so sick,

677
00:31:00,080 --> 00:31:02,640
Speaker 2: are going to be so amazing. So someone who can

678
00:31:02,720 --> 00:31:05,120
Speaker 2: sell you that dream right now? I beck you could

679
00:31:05,120 --> 00:31:08,120
Speaker 2: get into it sooner you go, oh yeah, this guy's

680
00:31:08,160 --> 00:31:08,760
Speaker 2: here to help me.

681
00:31:08,840 --> 00:31:09,680
Speaker 5: It's going to work on me.

682
00:31:09,960 --> 00:31:13,240
Speaker 2: No, these guys here to help line their back pocket,

683
00:31:13,360 --> 00:31:15,080
Speaker 2: and the best way to do that would be to

684
00:31:15,160 --> 00:31:19,280
Speaker 2: have as little strings attached as possible. Right, So maybe

685
00:31:19,320 --> 00:31:21,160
Speaker 2: if it does take a bit more time, it might

686
00:31:21,200 --> 00:31:24,560
Speaker 2: not be as exciting an option right now, but I

687
00:31:24,680 --> 00:31:27,520
Speaker 2: promise it will put future you in the best possible position.

688
00:31:27,760 --> 00:31:28,120
Speaker 2: Thank you.

689
00:31:28,840 --> 00:31:31,520
Speaker 5: I mean I wasn't for me, but thank you. I've

690
00:31:31,560 --> 00:31:32,360
Speaker 5: taken a lot from this.

691
00:31:32,520 --> 00:31:34,240
Speaker 2: I am glad. Please don't do it talk to me

692
00:31:34,320 --> 00:31:37,520
Speaker 2: off air. Yes, I will great. Ten, let's get into

693
00:31:37,520 --> 00:31:40,400
Speaker 2: our money dilemma this week we got a DM Are

694
00:31:40,400 --> 00:31:43,280
Speaker 2: you ready to hear it? My friends? Absolutely all right?

695
00:31:43,960 --> 00:31:47,239
Speaker 2: Advice please, she's on the money. My fiance and I

696
00:31:47,360 --> 00:31:50,880
Speaker 2: are deep in wedding planning, and to be honest, it's stressful.

697
00:31:51,200 --> 00:31:53,920
Speaker 2: He comes from a culture where it's traditional to invite

698
00:31:54,040 --> 00:31:58,040
Speaker 2: hundreds of people, most of which I've never met these

699
00:31:58,040 --> 00:32:01,160
Speaker 2: guests give large sums of money gifts, which is a

700
00:32:01,200 --> 00:32:04,920
Speaker 2: really big deal in his family. He's excited about this tradition,

701
00:32:05,080 --> 00:32:09,720
Speaker 2: but I'm feeling overwhelmed. I always imagined a small, intimate

702
00:32:09,720 --> 00:32:12,840
Speaker 2: wedding with close friends and family. It feels odd to

703
00:32:12,920 --> 00:32:15,640
Speaker 2: accept money from people I don't know, and it makes

704
00:32:15,640 --> 00:32:19,880
Speaker 2: it feel so much more transactional than celebratory. There's also

705
00:32:20,040 --> 00:32:23,560
Speaker 2: an unspoken expectation will then attend the weddings of all

706
00:32:23,600 --> 00:32:26,720
Speaker 2: these people and give them large cash gifts in return.

707
00:32:27,560 --> 00:32:30,920
Speaker 2: I don't want to offend his family, but I also

708
00:32:31,080 --> 00:32:34,160
Speaker 2: want our wedding to feel personal and not a big spectacle.

709
00:32:34,240 --> 00:32:37,360
Speaker 2: How do I navigate this without causing a fight or

710
00:32:37,400 --> 00:32:39,200
Speaker 2: coming off as disrespectful?

711
00:32:39,640 --> 00:32:42,400
Speaker 5: This is really hard. I actually don't have anything yet,

712
00:32:42,440 --> 00:32:43,400
Speaker 5: so maybe i'll.

713
00:32:43,400 --> 00:32:47,120
Speaker 2: You're like, give me a minute to ponder, Miss JESSICRICI.

714
00:32:47,440 --> 00:32:50,960
Speaker 4: I think it's very tough, because ultimately, a wedding is

715
00:32:51,000 --> 00:32:54,200
Speaker 4: the marrying of two people who have different backgrounds, perhaps

716
00:32:54,200 --> 00:32:55,960
Speaker 4: different values, different ideals.

717
00:32:56,640 --> 00:32:58,560
Speaker 2: I'm sorry, don't ask with Catholic Church.

718
00:32:58,360 --> 00:33:02,880
Speaker 4: That like the ultimate outcome more often than not in weddings,

719
00:33:02,880 --> 00:33:04,400
Speaker 4: I think is that you have to reach a point

720
00:33:04,440 --> 00:33:07,600
Speaker 4: of compromise like big wedding, small wedding, expensive wedding, cheap wedding,

721
00:33:08,120 --> 00:33:11,840
Speaker 4: you know, dresses or suits or whatever, like ten bridesmaids,

722
00:33:11,920 --> 00:33:14,560
Speaker 4: two bridesmaids, Like it's all a give and take based

723
00:33:14,600 --> 00:33:16,800
Speaker 4: on what's important to each of you. I think the

724
00:33:16,880 --> 00:33:20,040
Speaker 4: element that is tricky is the fact that it's not

725
00:33:20,240 --> 00:33:23,720
Speaker 4: just oh, I have ten thousand people I want to invite.

726
00:33:24,120 --> 00:33:27,280
Speaker 4: It's a cultural thing and it's I think important to

727
00:33:27,320 --> 00:33:31,480
Speaker 4: acknowledge that it's important to be respectful of those traditions

728
00:33:31,480 --> 00:33:33,240
Speaker 4: that are a part of your culture, a part of

729
00:33:33,280 --> 00:33:36,080
Speaker 4: your upbringing, and they you know, it sounds like a

730
00:33:36,160 --> 00:33:39,600
Speaker 4: really important to your partner. I completely understand where she's

731
00:33:39,640 --> 00:33:42,880
Speaker 4: coming from. I think I personally would also not love

732
00:33:42,920 --> 00:33:45,840
Speaker 4: the idea of committing to paying hundreds of people heaps

733
00:33:45,840 --> 00:33:47,080
Speaker 4: of money over time.

734
00:33:47,320 --> 00:33:49,520
Speaker 2: I would not agree to that hundreds of people heapes

735
00:33:49,560 --> 00:33:52,040
Speaker 2: the money. One out of ten times, You're right, it

736
00:33:52,040 --> 00:33:53,240
Speaker 2: does given me anxiety.

737
00:33:53,560 --> 00:33:56,440
Speaker 4: Yeah, And it's really hard because I guess there are

738
00:33:56,480 --> 00:33:58,400
Speaker 4: a number of cultures in which you know that is

739
00:33:58,520 --> 00:34:01,080
Speaker 4: a big part of the tradition, and it's hard to

740
00:34:01,120 --> 00:34:04,240
Speaker 4: figure out where you draw the line between what is

741
00:34:04,280 --> 00:34:08,200
Speaker 4: comfortable for our listener and what is important to their

742
00:34:08,239 --> 00:34:11,600
Speaker 4: partner as a part of culture and tradition. I don't

743
00:34:11,640 --> 00:34:13,520
Speaker 4: think that there is a right answer and answer that

744
00:34:13,560 --> 00:34:15,520
Speaker 4: we can give you. I think it is you have

745
00:34:15,600 --> 00:34:17,960
Speaker 4: to talk to them, shocker. You have to have a

746
00:34:17,960 --> 00:34:20,319
Speaker 4: conversation with them. And I think the argument that you've

747
00:34:20,320 --> 00:34:23,319
Speaker 4: put forward to us is very valid. And if you're

748
00:34:23,360 --> 00:34:26,919
Speaker 4: marrying this person, I would hope that they would hear

749
00:34:26,920 --> 00:34:30,120
Speaker 4: out your concerns and work with you to find a compromise.

750
00:34:30,480 --> 00:34:33,560
Speaker 4: But if I'm honest, I don't necessarily know what that

751
00:34:33,640 --> 00:34:35,880
Speaker 4: compromise could be. I mean, maybe it is pairing it

752
00:34:35,920 --> 00:34:38,959
Speaker 4: back into instead of one hundred people, it's eighty people

753
00:34:39,080 --> 00:34:41,560
Speaker 4: or fifty people, or finding a number in the middle.

754
00:34:42,200 --> 00:34:43,880
Speaker 4: But I guess that doesn't really get you out of

755
00:34:43,920 --> 00:34:47,840
Speaker 4: the committing I guess informally to then attending other weddings

756
00:34:47,840 --> 00:34:50,200
Speaker 4: and paying the money, which is tricky. But I think

757
00:34:50,680 --> 00:34:52,879
Speaker 4: it's something that you guys probably really have to come

758
00:34:52,920 --> 00:34:55,480
Speaker 4: to together in regards to what feels right for you.

759
00:34:55,719 --> 00:34:58,480
Speaker 2: Oh my gosh, you're saying that, like every other episode,

760
00:34:58,560 --> 00:34:59,719
Speaker 2: communication is key.

761
00:35:00,000 --> 00:35:00,640
Speaker 4: That's crazy.

762
00:35:00,920 --> 00:35:04,120
Speaker 2: I know. Oh my god, I did not see this coming.

763
00:35:04,120 --> 00:35:06,719
Speaker 4: But I think, yeah, just keeping in mind that what

764
00:35:06,800 --> 00:35:09,200
Speaker 4: you want is valid, but what he wants is also valid,

765
00:35:09,320 --> 00:35:12,600
Speaker 4: and someone's history and culture is very important, and that

766
00:35:12,680 --> 00:35:15,000
Speaker 4: your partner has a right to want to part of

767
00:35:15,080 --> 00:35:15,960
Speaker 4: celebrate that too.

768
00:35:16,120 --> 00:35:16,319
Speaker 5: Yeah.

769
00:35:16,360 --> 00:35:19,560
Speaker 2: Absolutely, I get that you're uncomfortable about it, though, And

770
00:35:19,640 --> 00:35:23,919
Speaker 2: I feel like when you're uncomfortable about something, it's either

771
00:35:23,960 --> 00:35:27,120
Speaker 2: because it's absolutely the wrong thing to do or you

772
00:35:27,200 --> 00:35:31,919
Speaker 2: just don't have enough education on that topic yet. From

773
00:35:31,920 --> 00:35:37,080
Speaker 2: my perspective, doing some research into your partner's cultural weddings,

774
00:35:37,160 --> 00:35:39,560
Speaker 2: what does that usually look like? You know, what does

775
00:35:39,560 --> 00:35:42,040
Speaker 2: it look like in his family? Have you spoken to him?

776
00:35:42,040 --> 00:35:44,040
Speaker 2: How does he feel about it? Like is it something

777
00:35:44,080 --> 00:35:46,759
Speaker 2: that he feels as though is just being pushed on

778
00:35:46,840 --> 00:35:49,719
Speaker 2: him as well? Or vice versa, Like where is this

779
00:35:49,800 --> 00:35:52,000
Speaker 2: all coming from? So that you can come to a

780
00:35:52,120 --> 00:35:55,879
Speaker 2: very educated decision, not just to And I don't know

781
00:35:55,960 --> 00:35:58,840
Speaker 2: how comfortable you are. We're always given such small amounts

782
00:35:58,880 --> 00:36:01,920
Speaker 2: of information, right, but I would be asking a million

783
00:36:02,080 --> 00:36:04,600
Speaker 2: questions about what does that look like? How does that work?

784
00:36:04,640 --> 00:36:08,520
Speaker 2: And I mean, yes, there might be an expectation that

785
00:36:08,560 --> 00:36:11,040
Speaker 2: you give big cash gifts, but I'm also a very

786
00:36:11,040 --> 00:36:14,840
Speaker 2: big believer that irrespective of culture, giving big cash gifts

787
00:36:14,840 --> 00:36:18,680
Speaker 2: if you're not in that position, shouldn't be something that

788
00:36:18,719 --> 00:36:21,399
Speaker 2: you have to do. So if that's something that they

789
00:36:21,440 --> 00:36:24,239
Speaker 2: want to do, is a gift not meant to be

790
00:36:24,320 --> 00:36:28,640
Speaker 2: something that is given without expectation. Otherwise it is not

791
00:36:28,680 --> 00:36:29,480
Speaker 2: a gift, is it.

792
00:36:29,800 --> 00:36:30,360
Speaker 7: Yeah?

793
00:36:30,600 --> 00:36:33,000
Speaker 4: It can be hard because I have a few friends

794
00:36:33,040 --> 00:36:37,000
Speaker 4: that have gotten married that within their culture, it's almost like,

795
00:36:37,600 --> 00:36:39,879
Speaker 4: I don't want to say a competition, but like people.

796
00:36:39,600 --> 00:36:41,719
Speaker 2: It's absolutely a competition. People are keep in.

797
00:36:41,640 --> 00:36:44,399
Speaker 4: The track, you know, maybe particularly I think the older general,

798
00:36:44,520 --> 00:36:45,600
Speaker 4: more traditional.

799
00:36:45,160 --> 00:36:47,960
Speaker 2: Gener I've got a girlfriend whose family like wrote an

800
00:36:48,120 --> 00:36:51,160
Speaker 2: entire spreadsheet of what gifts were given, what the price

801
00:36:51,239 --> 00:36:54,240
Speaker 2: point was, how many words were written in the card,

802
00:36:54,440 --> 00:36:56,600
Speaker 2: and like that was normal. Everyone in their family does

803
00:36:56,640 --> 00:36:58,600
Speaker 2: that because they keep track of it because then when

804
00:36:58,600 --> 00:37:01,760
Speaker 2: they go to a wedding, they consult spreadsheet to see

805
00:37:02,200 --> 00:37:04,920
Speaker 2: what they will be giving at that And like to me,

806
00:37:05,960 --> 00:37:08,360
Speaker 2: which when I heard that, I was horrified. Yeah, I

807
00:37:08,440 --> 00:37:12,160
Speaker 2: was like, oh my god, I would never But if

808
00:37:12,200 --> 00:37:15,279
Speaker 2: that's what works for them in their culture, like who

809
00:37:15,320 --> 00:37:16,200
Speaker 2: am I to judge?

810
00:37:16,360 --> 00:37:18,840
Speaker 4: Yeah, And I think that's probably where the transactional feeling

811
00:37:18,920 --> 00:37:21,919
Speaker 4: comes wrong. But you're totally right. Like it's a hard

812
00:37:21,920 --> 00:37:25,320
Speaker 4: balance because you don't want to disrespect those traditions or

813
00:37:25,320 --> 00:37:28,640
Speaker 4: that culture or you know, like if you don't reciprocate

814
00:37:28,680 --> 00:37:30,920
Speaker 4: that gift, you don't want them to be like, oh

815
00:37:30,920 --> 00:37:33,840
Speaker 4: my gosh, they hate us because you know, it's so

816
00:37:33,920 --> 00:37:37,320
Speaker 4: hard to navigate and you know, it's not my traditional,

817
00:37:37,360 --> 00:37:39,880
Speaker 4: my culture to participate in weddings that way. So I

818
00:37:40,520 --> 00:37:43,279
Speaker 4: it's hard for me to understand, I guess, or to

819
00:37:43,920 --> 00:37:44,400
Speaker 4: speak on.

820
00:37:44,760 --> 00:37:46,600
Speaker 2: But I love that we get these questions so we

821
00:37:46,600 --> 00:37:49,359
Speaker 2: can learn more about it, and I just go, oh

822
00:37:49,360 --> 00:37:51,799
Speaker 2: my gosh, people do it like this. I just I

823
00:37:51,840 --> 00:37:54,200
Speaker 2: went to a friend's wedding a couple of years ago

824
00:37:54,400 --> 00:37:58,640
Speaker 2: and she was Chinese, and just even the immersion of

825
00:37:58,680 --> 00:38:02,000
Speaker 2: her culture, Oh my gosh, it was amazing, Like just

826
00:38:02,520 --> 00:38:05,840
Speaker 2: understanding how many different ceremonies we went to in the

827
00:38:05,960 --> 00:38:08,640
Speaker 2: lead up to her wedding, how many different things on

828
00:38:08,680 --> 00:38:11,360
Speaker 2: the day were done that were very different to my wedding,

829
00:38:11,480 --> 00:38:14,560
Speaker 2: Like it was just so cool. But I can see

830
00:38:14,560 --> 00:38:17,080
Speaker 2: that that would have been really jarring as her partner,

831
00:38:17,640 --> 00:38:21,120
Speaker 2: who was my friend growing up that did not have

832
00:38:21,160 --> 00:38:23,480
Speaker 2: that cultural background. He was like, what the heck and

833
00:38:23,640 --> 00:38:26,080
Speaker 2: is going on. I don't understand she saw that, and

834
00:38:26,239 --> 00:38:31,040
Speaker 2: like it could seem a bit you know, overwhelming and

835
00:38:31,239 --> 00:38:32,680
Speaker 2: not what they are used to.

836
00:38:33,000 --> 00:38:36,720
Speaker 5: Yeah, definitely. I have a friend who I think from memory,

837
00:38:36,800 --> 00:38:41,279
Speaker 5: she they take cash, actual physical cash, and like stick

838
00:38:41,320 --> 00:38:44,359
Speaker 5: it to the bride. Oh yeah, I've seen that, yeah,

839
00:38:44,360 --> 00:38:45,680
Speaker 5: which I think is really cool. So I just think,

840
00:38:45,719 --> 00:38:49,200
Speaker 5: like all of these cashtres different wedding was made for me. Yeah,

841
00:38:49,239 --> 00:38:52,200
Speaker 5: Like I feel like all these different wedding celebrations and

842
00:38:52,200 --> 00:38:55,640
Speaker 5: ceremonies and all these like all these different like variations

843
00:38:55,680 --> 00:38:57,880
Speaker 5: of the same thing, and we all celebrate it in

844
00:38:58,200 --> 00:39:00,840
Speaker 5: totally different ways. And like some people don't celebrate it

845
00:39:00,840 --> 00:39:02,399
Speaker 5: at all. Some people do believe in it, some people

846
00:39:02,400 --> 00:39:05,120
Speaker 5: don't believe in it. Some people. It's just really beautiful

847
00:39:05,120 --> 00:39:09,160
Speaker 5: to see how different cultures and different people celebrate the

848
00:39:09,239 --> 00:39:11,120
Speaker 5: same thing in their own way, which I think is

849
00:39:11,160 --> 00:39:14,240
Speaker 5: really cool. But I can understand why, Like in a culture,

850
00:39:14,239 --> 00:39:18,480
Speaker 5: in a society where we literally black and white, cash

851
00:39:18,520 --> 00:39:23,319
Speaker 5: for something is transactional, but for some cultures it's not.

852
00:39:23,320 --> 00:39:24,640
Speaker 2: At all, okay, celebratory.

853
00:39:25,520 --> 00:39:28,719
Speaker 5: I'm not Hindu, but my family are Muslim, well one

854
00:39:28,760 --> 00:39:31,520
Speaker 5: half of them, and so we don't actually celebrate Duwali,

855
00:39:31,560 --> 00:39:34,560
Speaker 5: but I don't. My first girlfriend was Hindu. She celebrate

856
00:39:34,600 --> 00:39:38,160
Speaker 5: Dwali and they give well she did anyway. I don't

857
00:39:38,160 --> 00:39:39,839
Speaker 5: want to speak for all because I this is like

858
00:39:39,880 --> 00:39:43,080
Speaker 5: in high school, but they gave cash gifts, and for

859
00:39:43,120 --> 00:39:47,879
Speaker 5: them cash gifts. It's not like a transactional thing. It's

860
00:39:47,880 --> 00:39:51,080
Speaker 5: not the way like we open up our mom's birthday

861
00:39:51,080 --> 00:39:52,960
Speaker 5: card and hope that there's twenty bucks in there so

862
00:39:53,000 --> 00:39:54,759
Speaker 5: we can like, you know, bias or something. It's not

863
00:39:54,800 --> 00:39:57,080
Speaker 5: in that kind of way. It's just it holds so

864
00:39:57,120 --> 00:39:59,600
Speaker 5: much more value to certain people.

865
00:40:00,160 --> 00:40:02,719
Speaker 2: So true, you know I wouldn't so yeah, like the

866
00:40:02,960 --> 00:40:06,560
Speaker 2: Chinese tradition of giving a red envelopes, ye yeah, yeah.

867
00:40:08,560 --> 00:40:12,000
Speaker 5: Totally. So I feel like it's not someone giving you

868
00:40:12,080 --> 00:40:14,640
Speaker 5: cash or that this tradition that is making you feel

869
00:40:14,680 --> 00:40:18,120
Speaker 5: bit uncomfortable. I'm assuming they're probably not viewing it in

870
00:40:18,160 --> 00:40:19,920
Speaker 5: the same way that we.

871
00:40:19,719 --> 00:40:23,560
Speaker 2: Might, but I can see you're uncomfort and I acknowledge

872
00:40:23,560 --> 00:40:25,840
Speaker 2: that it's there. But how do we work through that?

873
00:40:25,880 --> 00:40:28,520
Speaker 2: Because I feel like if you're marrying into this as well,

874
00:40:28,560 --> 00:40:30,759
Speaker 2: it's going to be a theme that keeps coming up.

875
00:40:30,920 --> 00:40:34,239
Speaker 5: Totally. But I do think like for starters. If this

876
00:40:34,400 --> 00:40:37,080
Speaker 5: is something on your partner's side that is a tradition.

877
00:40:37,480 --> 00:40:40,200
Speaker 5: If you ever come across a situation where, first of all,

878
00:40:40,400 --> 00:40:43,399
Speaker 5: people aren't getting married every year once a year, every year,

879
00:40:43,640 --> 00:40:46,919
Speaker 5: it's once off, hopefully maybe twice off, maybe three times,

880
00:40:46,920 --> 00:40:49,480
Speaker 5: who knows, but it doesn't happen as often as a

881
00:40:49,480 --> 00:40:50,879
Speaker 5: birthday or a Christmas.

882
00:40:51,000 --> 00:40:54,200
Speaker 2: What stage do you stop bringing a wedding gift? Like

883
00:40:54,280 --> 00:40:57,520
Speaker 2: if Jess was on a fourth marriage, I'm like out

884
00:40:57,920 --> 00:41:02,520
Speaker 2: fourth marriage.

885
00:40:59,440 --> 00:40:59,520
Speaker 1: I.

886
00:41:02,000 --> 00:41:03,840
Speaker 5: Would probably I would keep going if you had a

887
00:41:03,840 --> 00:41:04,480
Speaker 5: wedding every year.

888
00:41:04,520 --> 00:41:11,440
Speaker 2: I loved getting married, so like I would have another wedding.

889
00:41:11,640 --> 00:41:12,880
Speaker 2: Oh a thousand percent.

890
00:41:13,040 --> 00:41:15,719
Speaker 5: So you can do a wedding, vowel, wedding.

891
00:41:16,000 --> 00:41:19,000
Speaker 4: Don't put it party, manual, wedding renewal, vowel renewal.

892
00:41:18,800 --> 00:41:20,439
Speaker 2: Don't put it past me. I would if I could,

893
00:41:20,480 --> 00:41:23,440
Speaker 2: but my husband won't consent to that, so I won't do.

894
00:41:23,520 --> 00:41:25,680
Speaker 4: We have some people weighing in maybe who have different course.

895
00:41:26,360 --> 00:41:29,000
Speaker 2: We asked a few questions first. So first question we

896
00:41:29,040 --> 00:41:31,959
Speaker 2: asked was would you feel comfortable accepting a cash gift

897
00:41:31,960 --> 00:41:35,480
Speaker 2: from hundreds of people you didn't know. Forty six percent

898
00:41:35,480 --> 00:41:37,920
Speaker 2: of you said yes, especially if it's a tradition, and

899
00:41:37,960 --> 00:41:40,600
Speaker 2: fifty four percent of you said no, it feels uncomfortable.

900
00:41:41,120 --> 00:41:44,480
Speaker 2: I think that's actually just really reflective of the demographic

901
00:41:44,560 --> 00:41:48,640
Speaker 2: in our community. Like our community we are in Australia,

902
00:41:49,040 --> 00:41:52,680
Speaker 2: and I feel like we are multicultural, which I am

903
00:41:52,719 --> 00:41:56,319
Speaker 2: so grateful for. But overwhelmingly lots of us are going

904
00:41:56,400 --> 00:41:59,680
Speaker 2: to have Australian values because that's where our podcast lives,

905
00:41:59,800 --> 00:42:04,200
Speaker 2: and that's so okay. But I think, yeah, that's maybe

906
00:42:04,360 --> 00:42:09,240
Speaker 2: reflective of that. That doesn't necessarily mean that, no, everybody

907
00:42:10,280 --> 00:42:14,719
Speaker 2: worldwide feels uncomfortable. It's probably just very reflective of our community.

908
00:42:15,080 --> 00:42:18,320
Speaker 2: And then we asked, would you compromise your wedding vision

909
00:42:18,400 --> 00:42:23,919
Speaker 2: to honor family traditions, such a spicy question. Thirty six

910
00:42:23,960 --> 00:42:26,880
Speaker 2: percent of you said yep, traditions are important, but sixty

911
00:42:26,880 --> 00:42:29,600
Speaker 2: four percent of you said no, your wedding should reflect you.

912
00:42:30,239 --> 00:42:33,600
Speaker 2: Oh true, I agree your wedding should reflect you. But

913
00:42:33,960 --> 00:42:35,600
Speaker 2: there's you're married.

914
00:42:35,719 --> 00:42:39,000
Speaker 4: Yeah, yeah, absolutely, Like it's you.

915
00:42:39,000 --> 00:42:40,640
Speaker 2: You're marrying into a culture.

916
00:42:40,960 --> 00:42:43,600
Speaker 5: It's got to be a hybrid of everyone's hopes and dreams.

917
00:42:43,520 --> 00:42:45,319
Speaker 4: And it's got to be a compromise, like it's two

918
00:42:45,440 --> 00:42:46,600
Speaker 4: separate individuals.

919
00:42:46,800 --> 00:42:50,359
Speaker 2: Culture is beautiful. Like the idea that you get to

920
00:42:50,400 --> 00:42:54,359
Speaker 2: marry into another culture that has this rich history that

921
00:42:54,400 --> 00:42:57,600
Speaker 2: you didn't have experience it. I just think it's so cool,

922
00:42:58,120 --> 00:43:00,359
Speaker 2: Like the idea that you've got, you know, you talking

923
00:43:00,360 --> 00:43:03,160
Speaker 2: about your ex girlfriend, she gets another shout out, But

924
00:43:03,280 --> 00:43:06,359
Speaker 2: like the idea that you got to have such a

925
00:43:06,520 --> 00:43:10,839
Speaker 2: close experience with her culture and how she celebrated, like

926
00:43:11,360 --> 00:43:13,719
Speaker 2: doing de Wali would have been something that you'd never know.

927
00:43:13,880 --> 00:43:16,200
Speaker 2: I just think it's such a privilege to experience other

928
00:43:16,239 --> 00:43:19,840
Speaker 2: people's culture, And like a wedding in lots of cultures

929
00:43:19,960 --> 00:43:22,680
Speaker 2: is just such an honor and such an event that

930
00:43:24,080 --> 00:43:27,560
Speaker 2: it's not just about you. Yeah, yeah, it should be

931
00:43:27,560 --> 00:43:30,320
Speaker 2: about you because it's kind of reflective of your culture

932
00:43:30,320 --> 00:43:32,640
Speaker 2: and your traditions. And even if you want what you

933
00:43:32,719 --> 00:43:36,480
Speaker 2: deem to be a super traditional plain wedding, that doesn't

934
00:43:36,520 --> 00:43:39,320
Speaker 2: mean that that's your partner's super traditional plain wedding.

935
00:43:39,760 --> 00:43:41,680
Speaker 4: Right, Yes, what else do people say?

936
00:43:41,880 --> 00:43:43,800
Speaker 2: So we did say, all right, give us your two cents.

937
00:43:44,840 --> 00:43:47,799
Speaker 2: One person said, in our Asian culture, this is very

938
00:43:47,840 --> 00:43:51,560
Speaker 2: common and hard to compromise on, to be honest. Someone

939
00:43:51,560 --> 00:43:54,680
Speaker 2: else said, we ended up having two weddings, one traditional

940
00:43:54,719 --> 00:43:55,640
Speaker 2: and one Western.

941
00:43:56,239 --> 00:43:57,040
Speaker 4: I kind of like that.

942
00:43:57,239 --> 00:43:58,480
Speaker 5: Yeah, I was going to be.

943
00:44:00,000 --> 00:44:01,759
Speaker 2: Married. It was my favorite and you got to do

944
00:44:01,800 --> 00:44:02,879
Speaker 2: it twice. That's cool.

945
00:44:02,960 --> 00:44:05,200
Speaker 4: It doesn't fix a lot of our listeners problems, but

946
00:44:05,239 --> 00:44:08,399
Speaker 4: it's like a fun I mean it also probably very expensive, but.

947
00:44:08,400 --> 00:44:11,560
Speaker 2: Oh oh my gosh. Yes, absolutely, but like that idea,

948
00:44:11,760 --> 00:44:15,280
Speaker 2: let's just put the financial cost of the wedding completely aside.

949
00:44:15,320 --> 00:44:19,160
Speaker 2: While having this chat, someone else said, I'd save the

950
00:44:19,200 --> 00:44:22,480
Speaker 2: money they gave me for their family gifts and then

951
00:44:22,800 --> 00:44:24,160
Speaker 2: add a little bit of an interest.

952
00:44:24,440 --> 00:44:26,680
Speaker 4: Actually, not a terrible idea, the money.

953
00:44:26,400 --> 00:44:28,720
Speaker 2: Aside for when you go to weddings.

954
00:44:28,600 --> 00:44:31,520
Speaker 4: Just give back what you I mean, if yeah, like

955
00:44:31,560 --> 00:44:33,440
Speaker 4: if it is that nature what we were talking about before,

956
00:44:33,480 --> 00:44:34,000
Speaker 4: where it's.

957
00:44:33,880 --> 00:44:36,200
Speaker 2: Like you've you've never got the budget decide to attend

958
00:44:36,200 --> 00:44:36,880
Speaker 2: to their weddings.

959
00:44:36,920 --> 00:44:41,839
Speaker 5: Wait, you guys one hundred, one hundred, it's like ten

960
00:44:41,880 --> 00:44:45,960
Speaker 5: thousand dollars, right, So I'm saying, if you are one

961
00:44:46,040 --> 00:44:49,239
Speaker 5: hundred guests gave you one hundred dollars, that's like ten

962
00:44:49,239 --> 00:44:51,560
Speaker 5: thousand dollars, right, then Yeah, you could do that.

963
00:44:51,800 --> 00:44:53,839
Speaker 4: Yeah, it's probably a really good workaround for the fact

964
00:44:53,840 --> 00:44:56,000
Speaker 4: that our listener doesn't necessarily want to accept the money

965
00:44:56,080 --> 00:44:57,840
Speaker 4: or feel comfy with that, like maybe you're just holding

966
00:44:57,880 --> 00:45:00,520
Speaker 4: it in trust until you go to their wedding. Give

967
00:45:01,320 --> 00:45:02,720
Speaker 4: Oh my god, maybe that's the solution.

968
00:45:03,040 --> 00:45:06,400
Speaker 2: That's a solution the An series and communication. It's hold

969
00:45:06,440 --> 00:45:07,680
Speaker 2: the money on trust.

970
00:45:07,920 --> 00:45:09,680
Speaker 4: Sit on it like a dragon on a pile of gold,

971
00:45:10,040 --> 00:45:10,799
Speaker 4: and then.

972
00:45:10,760 --> 00:45:12,759
Speaker 2: Like a dragon on a pile of gold. This is

973
00:45:12,800 --> 00:45:15,440
Speaker 2: really reflective of the content you're into recently, because I

974
00:45:15,480 --> 00:45:19,759
Speaker 2: was like gonna say, a golden goose. All right, so

975
00:45:19,880 --> 00:45:23,600
Speaker 2: next person, you can still mostly hang with your people

976
00:45:23,840 --> 00:45:26,959
Speaker 2: important to you and do things that are important to you.

977
00:45:27,880 --> 00:45:30,840
Speaker 2: I think that that's mainly saying like they can still

978
00:45:30,880 --> 00:45:34,080
Speaker 2: do that, yeah, and honor their tradition. It doesn't mean

979
00:45:34,080 --> 00:45:38,520
Speaker 2: that your family has to give heaps of money. Maybe

980
00:45:38,560 --> 00:45:40,600
Speaker 2: just the people that celebrate that way.

981
00:45:40,640 --> 00:45:40,799
Speaker 6: Doo.

982
00:45:41,760 --> 00:45:44,320
Speaker 2: Someone else said, my friend is going through something really similar,

983
00:45:44,360 --> 00:45:46,640
Speaker 2: and they booked a venue that has a max cap

984
00:45:47,719 --> 00:45:53,360
Speaker 2: sorry physically sorry, I actually just booked a restaurant. Actually

985
00:45:53,360 --> 00:45:57,800
Speaker 2: it's really niche. There's only a table of ten. Someone

986
00:45:57,800 --> 00:46:01,359
Speaker 2: else said, we just chose to alowe. Wouldn't change of things?

987
00:46:01,440 --> 00:46:05,239
Speaker 2: Saved oodles of money and all of the stress. One

988
00:46:05,360 --> 00:46:08,360
Speaker 2: other comment said, had the same situation, but we're stuck

989
00:46:08,400 --> 00:46:11,799
Speaker 2: to what we want the wedding outcome to be. That's

990
00:46:11,800 --> 00:46:14,000
Speaker 2: a good point. Why are you getting married?

991
00:46:14,880 --> 00:46:20,359
Speaker 5: Oh well, now we've opening a new why are.

992
00:46:20,320 --> 00:46:24,680
Speaker 2: You getting married? And if you're getting married into that culture,

993
00:46:25,320 --> 00:46:27,359
Speaker 2: why are you doing that if it makes you uncomfortable?

994
00:46:27,640 --> 00:46:32,279
Speaker 2: Oh maybe that's a little bit too deep, too far,

995
00:46:32,440 --> 00:46:36,480
Speaker 2: too quick. But like also, maybe let's get really comfortable

996
00:46:36,480 --> 00:46:38,640
Speaker 2: with the culture. Someone else said, and I thought this

997
00:46:38,800 --> 00:46:41,960
Speaker 2: was really funny. I come from a really big Greek family.

998
00:46:42,080 --> 00:46:44,200
Speaker 2: My dream wedding's going to piss a lot of people off.

999
00:46:45,800 --> 00:46:47,920
Speaker 4: Not the traditional, my big fat Greek wedding.

1000
00:46:47,800 --> 00:46:51,160
Speaker 2: No, apparently not. Then I've got two part of answers

1001
00:46:51,160 --> 00:46:54,160
Speaker 2: to finish this off. Someone said, I come from such

1002
00:46:54,200 --> 00:46:56,960
Speaker 2: a culture. I think the traditions have to be taken

1003
00:46:57,040 --> 00:47:01,239
Speaker 2: into context because it's definitely not seen as transactional. It's

1004
00:47:01,280 --> 00:47:04,080
Speaker 2: seen as a way of coming together to chip in,

1005
00:47:04,600 --> 00:47:06,960
Speaker 2: which I think is really beautiful. And then the second

1006
00:47:07,000 --> 00:47:10,160
Speaker 2: two part was we had a traditional ceremony where my

1007
00:47:10,239 --> 00:47:13,319
Speaker 2: family helped pay and kept gifts from their friends, and

1008
00:47:13,360 --> 00:47:16,080
Speaker 2: then we had a reception on a separate night. Then

1009
00:47:16,200 --> 00:47:18,640
Speaker 2: in brackets. I know that's not easy for some with

1010
00:47:18,840 --> 00:47:21,160
Speaker 2: only our close friends, so we could have the best

1011
00:47:21,200 --> 00:47:22,279
Speaker 2: of both worlds.

1012
00:47:22,600 --> 00:47:24,320
Speaker 5: Very good idea.

1013
00:47:24,400 --> 00:47:26,840
Speaker 2: I feel like there's lots of compromise to be made.

1014
00:47:26,920 --> 00:47:30,839
Speaker 2: But guess what, guys. To make those compromises, you need

1015
00:47:30,880 --> 00:47:33,480
Speaker 2: to chat with your partner and understand how important these

1016
00:47:33,520 --> 00:47:36,000
Speaker 2: things are. And I get that it feels transactional. But

1017
00:47:36,080 --> 00:47:38,400
Speaker 2: after this chat, I feel like I want to do

1018
00:47:38,440 --> 00:47:42,920
Speaker 2: a bit more learning about how those cultures really feel.

1019
00:47:42,960 --> 00:47:46,640
Speaker 2: Like it's chipping in like I have had. Yeah, Like, yeah,

1020
00:47:46,680 --> 00:47:49,400
Speaker 2: I want to know more about how that works. Because

1021
00:47:49,719 --> 00:47:54,520
Speaker 2: as somebody who has grown up in a very Australian family,

1022
00:47:54,960 --> 00:47:59,280
Speaker 2: I do feel relatively uncomfortable handing over cash gifts because

1023
00:47:59,320 --> 00:48:02,680
Speaker 2: I've been taught that that's the lazy gift, Like that's

1024
00:48:02,800 --> 00:48:05,560
Speaker 2: just how I've grown up, Like, oh yeap, just get

1025
00:48:05,600 --> 00:48:08,320
Speaker 2: them a gift card. Like to me, that's a flippant response,

1026
00:48:08,400 --> 00:48:11,120
Speaker 2: whereas which is so not true. No, no, no, it's

1027
00:48:11,160 --> 00:48:14,320
Speaker 2: not Jess loves a bloody gift card.

1028
00:48:14,600 --> 00:48:17,520
Speaker 4: I like more than a Mecca gift card, which you

1029
00:48:17,600 --> 00:48:22,160
Speaker 4: know so well. But get rid of the idea.

1030
00:48:22,920 --> 00:48:26,719
Speaker 2: I'm talking like stereotypes chains that, in my head are

1031
00:48:26,800 --> 00:48:29,480
Speaker 2: part of my money story that I in the back

1032
00:48:29,520 --> 00:48:32,360
Speaker 2: of my mind go, maybe that's true, but it's not true.

1033
00:48:32,440 --> 00:48:34,719
Speaker 2: And I feel like that opens a conversation up of

1034
00:48:34,800 --> 00:48:36,680
Speaker 2: me being like, I want to learn so much more

1035
00:48:36,880 --> 00:48:39,640
Speaker 2: about all these other culture's weddings and how they view

1036
00:48:39,680 --> 00:48:41,480
Speaker 2: money and what that looks like. So if you ever

1037
00:48:41,520 --> 00:48:46,040
Speaker 2: see a podcast pop up that's like Cultural Money Discussions

1038
00:48:46,120 --> 00:48:48,160
Speaker 2: or something, you know where this has come from.

1039
00:48:48,239 --> 00:48:49,920
Speaker 4: Yeah, it's so interesting.

1040
00:48:50,200 --> 00:48:53,200
Speaker 2: Well, guys, unfortunately that's all we have time for today.

1041
00:48:53,640 --> 00:48:56,440
Speaker 2: Have a good weekend. I'm gonna probably do another bonus

1042
00:48:56,480 --> 00:48:59,240
Speaker 2: episode tomorrow, so we'll see you then, but we'll also

1043
00:48:59,280 --> 00:49:02,400
Speaker 2: see everybody right nearly on Monday morning for money Dary

1044
00:49:02,880 --> 00:49:12,520
Speaker 2: Bye Bye. The advice shared on She's on the Money

1045
00:49:12,640 --> 00:49:16,400
Speaker 2: is general in nature and does not consider your individual circumstances.

1046
00:49:16,719 --> 00:49:20,160
Speaker 2: She's on the Money exists purely for educational purposes and

1047
00:49:20,200 --> 00:49:22,600
Speaker 2: should not be relied upon to make an investment or

1048
00:49:22,719 --> 00:49:26,360
Speaker 2: financial decision. If you do choose to buy a financial.

1049
00:49:25,920 --> 00:49:30,280
Speaker 8: Product, read the PDS TMD and obtain appropriate financial advice.

1050
00:49:29,960 --> 00:49:31,280
Speaker 2: Tailored towards your needs.

1051
00:49:31,640 --> 00:49:35,600
Speaker 8: Victoria Divine and She's on the Money are authorized representatives

1052
00:49:35,640 --> 00:49:39,520
Speaker 8: of Money. Sheper pty ltd ABN three two one IS

1053
00:49:39,560 --> 00:49:43,399
Speaker 8: six four nine two seven seven zero eight AFSL four

1054
00:49:43,520 --> 00:49:46,280
Speaker 8: five one two eight nine