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

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Speaker 1: woman and I'm here to acknowledge country t glennyan Ganya, Niana,

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Speaker 1: Kaka yah Ya bin Ahaka nian ar gay In Mbina,

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Speaker 1: yak um jar dominyamiga Umagahawakaman damon imlan Wumba bang Gadabomba

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

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

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

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

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

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

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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

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Speaker 3: the Money.

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Speaker 2: The podcast let's you be pervy on other people's money

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Speaker 2: stories for educational purposes. Obviously, welcome back to another Money

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Speaker 2: Diaries episode brought to you by Sky Wealth. I am

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Speaker 2: not your usual Money Diaries host, and this is not

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Speaker 2: your usual Money Diaries episode. Today, I've got something very

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Speaker 2: special for you. It's actually something we have had on

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Speaker 2: our most requested episode list for a very long time.

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Speaker 2: I am obviously Jess Ricky, and today I am joined

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Speaker 2: by someone who we all know and love to talk

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Speaker 2: about her first yeah, as an investor. Welcome to the

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Speaker 2: Money Diaries hot seat. Thanks site.

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Speaker 3: Yes, Hi, it's so cool.

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Speaker 2: You're so cute and excited.

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Speaker 3: I'm so excited. I'm like, when you said the most

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Speaker 3: requested episode, I was like, sure, I'm sure, sure, not

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Speaker 3: for people, that is so nice. I mean, sorry, not

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Speaker 3: most requested, but like requested at all. I'm stoked.

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Speaker 2: Honestly, wouldn't be surprised if it was the most requested,

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Speaker 2: very highly at the very least.

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Speaker 3: That is crazy. Thank you, guys. I really hope I'm

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Speaker 3: I make it worth it, you know, worth your time.

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Speaker 2: Go leave a comment and tell her how much you

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Speaker 2: love her.

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Speaker 3: I wouldn't hate it, you love it.

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Speaker 2: I want to take you back back to the beginning, Yes,

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Speaker 2: the time before she's on the Money Free Us. How

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Speaker 2: did you feel about investing before you'd started working for

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Speaker 2: the show.

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Speaker 3: Honestly, I didn't know what it was. I couldn't understand it,

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Speaker 3: just didn't Yeah, I think I hadn't demystified it at

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Speaker 3: that point. It was kind of just like a word

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Speaker 3: that I kind of reserved for people who were a

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Speaker 3: little bit richer or something like that. I kind of

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Speaker 3: just hadn't. I had no idea what it was. I

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Speaker 3: have to be honest, I have no idea.

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Speaker 2: That's fact we were honesty. Was anyone in your circle investing?

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Speaker 2: Did anyone around you talk about it?

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Speaker 3: My brother who has like always been really good with money,

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Speaker 3: but he would he was like using these letters S

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Speaker 3: and P five hundred, and I was like, I don't

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Speaker 3: know what that is. And I didn't think I had

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Speaker 3: enough money to make it worth it, so I was like,

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Speaker 3: I'm not gonna I would kind of just zone out

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Speaker 3: when he would talk about Yeah, but he was the

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Speaker 3: only one I knew, the only person that was good

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Speaker 3: with money in my world, and it was just never

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Speaker 3: spoken about in a way that was at all palatable

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Speaker 3: for someone who does not know about that stuff.

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Speaker 2: You Knowah, it makes it feel really out of reach. Yeah,

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Speaker 2: you had been with the show for about two years,

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Speaker 2: I think, roughly before you started investing. What was holding

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Speaker 2: you back from starting until that point?

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Speaker 3: I think I just didn't understand it. I think it's

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Speaker 3: mostly about like not understanding. I don't think I was

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Speaker 3: like worried or fearful or anything like that. I just

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Speaker 3: kind of thought, I, also, you need X amount before

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Speaker 3: you even start. I was like, what's the point in

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Speaker 3: chucking a dollar or two in there? It's going to

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Speaker 3: go up and down. It's mainly going to go down.

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Speaker 3: I didn't understand it enough, you know. And so I

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Speaker 3: think when I realized that you get ten dollars for

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Speaker 3: free with the sign up to shares, yes, yes, yes,

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Speaker 3: and I was like, okay, well I'll just do that.

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Speaker 3: But then also at the same time, and nothing to

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Speaker 3: do with investing. I just like you know, when you

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Speaker 3: just have like a life admin task, so you just

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Speaker 3: keep putting off. It was just one of those things.

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Speaker 3: And I think I was like, I think I was

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Speaker 3: just like bored, maybe like an airport or something. It

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Speaker 3: was like there was like a holding period, maybe I

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Speaker 3: was like waiting for the doctor to come out or something,

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Speaker 3: and I was like, well, I've completely scrolled all of Instagram,

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Speaker 3: and what else can I do? And then that's I

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Speaker 3: think when I did it. Yeah, and yeah, I just

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Speaker 3: started with ten dollars and I don't even know how

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Speaker 3: I knew what to put it on, but I just

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Speaker 3: started with that and then that was it. Yeah, So

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Speaker 3: I had to wait till I was bored enough to

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Speaker 3: get into a place where I was like, I'll let

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Speaker 3: me download. Yeah, you know, how did you find obviously

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Speaker 3: while you were working for those two years, while you

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Speaker 3: were hosting the show with Victoria inter minutely you were

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Speaker 3: talking about investing, you know, probably like once a month

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Speaker 3: or so, how did you find were you like absorbing

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Speaker 3: the information or were you.

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Speaker 2: Not really following along? Were you taking it in and

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Speaker 2: wanting to sit with it for a while, Like what

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Speaker 2: was that experience for you?

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Speaker 3: I think I didn't take it in for a while,

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Speaker 3: but I took it in enough to understand the word.

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Speaker 3: I guess the same way I would understand when she

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Speaker 3: says we need to do a budget for you. I

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Speaker 3: have no idea what that looks like. I can't be

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Speaker 3: like behind the word, I can't see that world.

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Speaker 2: You don't see the value.

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Speaker 3: I see the value, but I don't know what it is. Yeah,

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Speaker 3: Like I can't see behind the door, the door, which

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Speaker 3: is the word budget. Yeah, And because they can't see

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Speaker 3: behind the door, nothing makes sense in my brain. I'm like, oh, yeah, yeah,

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Speaker 3: I've got to do this thing. I don't know why.

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Speaker 3: I don't know how. I don't know what it looks like.

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Speaker 3: I don't know anything about it. I'm just like, okay, well,

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Speaker 3: people are telling me I got to do this thing.

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Speaker 3: I guess I got to do this thing. Yeah, but

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Speaker 3: I don't know why yet. You know what I mean.

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Speaker 2: You got to roll it around in your brain a

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Speaker 2: little bit fast, like when you start a new job

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Speaker 2: and they're like taking you through a process and you

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Speaker 2: were just like, yeah, cool, easy, I know what like this,

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Speaker 2: I do this after this.

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Speaker 3: You don't know why yet, You're just kind of doing it,

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Speaker 3: you know.

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Speaker 2: That's what it feels like.

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Speaker 3: I suppose that talent.

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Speaker 2: Once you downloaded the app, did you invest immediately so

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Speaker 2: you don't up to the app? You get ten dollars

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Speaker 2: when you make your first deposit, did you then immediately

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Speaker 2: put that into something?

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Speaker 3: I think I did. I think I did. I must

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Speaker 3: have put it in because the only reason I knew

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Speaker 3: about ATFS was because of Victoria. And you know, for

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Speaker 3: anyone who doesn't know, ETF is like a basket of shares.

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Speaker 3: So you don't have to choose one share. It's just

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Speaker 3: like a basket, and that felt easier for me and

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Speaker 3: takes the pressure. Yeah, takes the pressure off. And I

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Speaker 3: think it felt better somehow. And so I was like, oh,

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Speaker 3: I'll I think I googled ETFs like most popular ones,

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Speaker 3: and I think that that's how I decided where to

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Speaker 3: put my money and then I just put it in

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Speaker 3: that and then just kind of left it.

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Speaker 2: Did you have any fears or hesitations around, you know,

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Speaker 2: putting your money into something. I think for a lot

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Speaker 2: of people, shares feel very intangible. It's like you're sending

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Speaker 2: your money out into the universe and it's gone. Did

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Speaker 2: you have any concerns around that?

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Speaker 3: Yeah? I think because I didn't really. It wasn't didn't

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Speaker 3: feel like my own money. So I was like, I

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Speaker 3: didn't really mind. But then once I started putting my

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Speaker 3: own money in, there was some there's some hesitation. Yeah,

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Speaker 3: but I think that hearing Victoria say, and you know,

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Speaker 3: I preface this by saying, like, I know that past

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Speaker 3: performance is not an indicator of future performance, but knowing

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Speaker 3: that it's kind of a thing that you know, ASX

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Speaker 3: or S and P whatever they are, whatever the big

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Speaker 3: ones are, they kind of have only gone up over

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Speaker 3: the years, and so I was like, even if it

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Speaker 3: goes down one day, or even if it's down for

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Speaker 3: like a long time, I think it's gonna be okay,

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Speaker 3: you know. And so but I wasn't too scared, especially

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Speaker 3: when it wasn't really my money to begin with. I

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Speaker 3: was like, whatever, I feel like.

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Speaker 2: You're like your nature as a human is, you're very

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Speaker 2: like everything will work out. It's it's fine. Totally feel

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Speaker 2: like that lends itself really well to investing because you're

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Speaker 2: absolutely right, Like you know, you can have peaks and troughs,

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Speaker 2: but we always say look at it over, you know,

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Speaker 2: zoom out of ten years here.

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Speaker 3: Totally you're right.

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Speaker 2: Historically typically the market's on average climb. But if you're

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Speaker 2: caught up in the day to day looking at it,

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Speaker 2: going oh what is this?

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Speaker 3: What is that? That is my ideal? Yeah.

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Speaker 2: Do you feel like you have a high risk appetite

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Speaker 2: because of that?

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Speaker 3: I think so. And I think like it really works

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Speaker 3: in my favor to be so like no offense, Victoria

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Speaker 3: or anyone, to be so not interested in finances is

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Speaker 3: really working my favorite because I'm not. It does get

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Speaker 3: to a point where, like I kind of do check

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Speaker 3: it as often as I would check, like I don't know,

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Speaker 3: I would go on Instagram and then I'm like, I'm

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Speaker 3: bored of Instagram. I'm gonna check my chaise easier that

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Speaker 3: kind of thing. But because it's not like I don't

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Speaker 3: fully understand it, I don't fully understand all the words.

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Speaker 3: I don't, you know, I'm kind of just checking it

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Speaker 3: to see what it's doing, and then I'm leaving. You know,

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Speaker 3: I'm not like I'm I'm not super I'm not reading

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Speaker 3: up on anything. And that's so I think that because

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Speaker 3: of that, I can kind of it can kind of

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Speaker 3: be out of sight, out of mind.

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Speaker 2: I want to ask about the first investment you made

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Speaker 2: after that initial ten dollars. So obviously you had your

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Speaker 2: ten dollars. It wasn't your own money because you got

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Speaker 2: it from the sign up code. Love that thanks for supporting.

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Speaker 2: Of course, after that, you obviously had to make a

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Speaker 2: conscious choice to invest more money. When was that. How

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Speaker 2: long after your initial investment of that ten dollars did

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Speaker 2: you invest in the same thing or something different? Talk

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Speaker 2: me through that whole process.

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Speaker 3: I think after that it probably was around the same time.

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Speaker 3: It was either the same day or very very soon after,

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Speaker 3: where I just honestly it was like five dollars or

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Speaker 3: ten dollars I think, And it was like right when

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Speaker 3: payday came around. It was not like, you know, talk

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Speaker 3: to me like three weeks or two weeks after payday,

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Speaker 3: and there's just no chance I'm considering that, like I'm

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Speaker 3: trying to use every Sometimes I'll send all these different

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Speaker 3: cents to one account, so it turns to two dollars

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Speaker 3: eighty and then I'm like, great, now i can buy

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Speaker 3: seven to eleven coffee. I'm not putting that money in

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Speaker 3: the chairsias. But I started doing it like I had

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Speaker 3: a lot of money because I just got paid, and

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Speaker 3: then I think I put five or ten dollars in

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Speaker 3: and then I think I probably did put it in

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Speaker 3: the same thing just because it's like I didn't really

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Speaker 3: know anything. And then what I did was like I

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Speaker 3: I don't like, this is not a recommendation or any

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Speaker 3: advice at all. But I went into like ETFs and

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Speaker 3: then I did you can like sort it by I

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Speaker 3: think I did highest earning or greatest return or something

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Speaker 3: like that, and then I decided like buying random things

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Speaker 3: and then and then I would google and I know

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Speaker 3: this is not it is not financialized. This is probably

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Speaker 3: very very dumb, but I would google, say, I don't know,

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Speaker 3: a oaklook table forecast, whatever the share name is, I

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Speaker 3: would I would type that in and then write forecast

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Speaker 3: and if it like came up as like a strong

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Speaker 3: buy or something and not that, I like, I promise

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Speaker 3: I'm not like a big person who just like reads

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Speaker 3: and believes everything they see on the internet. But I

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Speaker 3: was just like, kind of just kind of felt like

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Speaker 3: a game. And I was like, who cares if I

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Speaker 3: lose ten dollars here and there. I don't really care.

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Speaker 3: I'm just like it kind of just felt like a game.

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Speaker 3: And then before I knew it, I had like all

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Speaker 3: these different things going on, all my money in all

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Speaker 3: these different places, the majority of it in like, you know,

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Speaker 3: the safe ones, I suppose quote unquote, yeah.

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Speaker 2: What kind of platforms or resources you know? You say

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Speaker 2: you were reading somewhere that it was a recommendation strung

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Speaker 2: by recommendation? What kind of websites or platforms were you

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Speaker 2: looking out to get that information from.

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Speaker 3: I would never use the same website, and I don't

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Speaker 3: know what websites are trustworthy. I would literally just go

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Speaker 3: to Google and then you know, sometimes the AI thing,

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Speaker 3: you'll right, you were summary at the top, and then

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Speaker 3: I would just look at that and then yeah, and

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Speaker 3: then skip out and be like, great, that's enough information

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Speaker 3: for me, and then go ahead and do it. And

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Speaker 3: it doesn't always work, because.

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Speaker 2: That is not because AI does not. Yes, I was

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Speaker 2: just gonna say, for anyone listening, this is back personal experience.

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Speaker 2: Personal not necessarily that we would recommend that you do exactly,

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Speaker 2: but that's okay, Like everybody has their own journey and

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Speaker 2: that is so fine. What surprised you about getting started

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Speaker 2: investing once you finally got over the you know, the

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Speaker 2: cliff and started going, honestly, like.

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Speaker 3: Seeing it start earning money, I was like, oh my god,

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Speaker 3: I thought that was just like I didn't think that's real.

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Speaker 3: I thought it was like you put money in. My

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Speaker 3: only experience with this kind of thing, because I had

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Speaker 3: just only ever done it for such a short period

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Speaker 3: of time, is that I put money in and then

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Speaker 3: I lose a little bit and then I take it

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Speaker 3: out and that's all all. Like I would maybe gain

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Speaker 3: a tiny bit and then it would take it out

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Speaker 3: and it all go to fees or whatever, and then

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Speaker 3: now that I've had it in there for so long,

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Speaker 3: it's earning money, and I just I know that that's

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Speaker 3: the point of it, you know, ideally that's the point

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Speaker 3: of it. But yeah, I didn't think it would be real,

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Speaker 3: and then I can see it's happening, it's doing it.

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Speaker 2: When created earning money? Are you talking about the things

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Speaker 2: you're investing in? Paying you dividend? Are you talking about

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Speaker 2: the value of your shares increasing? The value of my

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Speaker 2: shares increasing? But I do sometimes to get dividen in. Yeah,

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Speaker 2: even if it's like sixteen cents, isn't it the most

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Speaker 2: exciting thing ever?

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Speaker 3: Totally? And I've got my notifications on so it's like,

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Speaker 3: this thing is about to pay your dividen in and

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Speaker 3: I'm like, what, that's thank you?

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Speaker 2: Do you reinvest it or do you keep the dividend?

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Speaker 3: I reinvest it just because I don't want to learn

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Speaker 3: how to take it out, and I feel like that's good. Yeah,

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Speaker 3: I'm purposely not figuring out how to withdraw money.

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Speaker 2: Because then I will just do it and then you

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Speaker 2: know it that I want to get a little bit nosy. Absolutely,

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Speaker 2: can I ask how much do you have invested?

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Speaker 4: Now?

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Speaker 3: Yeah? So just check this one second before we started talking,

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Speaker 3: and so it may have changed, but it's four and

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Speaker 3: twenty dollars and fifty five cents.

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Speaker 2: That's amazing.

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Speaker 4: Creation.

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Speaker 2: Did you ever feel like it would get to that

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Speaker 2: amount of money?

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Speaker 1: No.

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Speaker 3: When I started, I like, I think it took me

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Speaker 3: agesy at to seventy and then I was like, oh

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Speaker 3: my god, it's seventy bucks in here. That's crazy. And

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Speaker 3: there were times where I was like, I've completely run

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Speaker 3: out of money. I'm gonna have to take the seventy

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Speaker 3: dollars out. But then I was like, oh no, I

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Speaker 3: don't know how to do it yet, and I don't

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Speaker 3: want to figure it out. You know, we're going to

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Speaker 3: keep it that way. You're going to keep it that way,

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Speaker 3: and so I I And then before I knew it like,

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Speaker 3: it just kept growing. And then when it starts growing,

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Speaker 3: you're like, and it's wasn't even like the value of

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Speaker 3: the shares growing, It was just me putting money in. Yeah,

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Speaker 3: and that in itself was like enough to kind of

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Speaker 3: be a bit addictive eventually.

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Speaker 2: Such a good feeling.

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Speaker 3: It's such a good feeling.

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Speaker 2: Have you ever pulled money out or have you just

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Speaker 2: been adding to it? The whole time.

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Speaker 3: I've just been adding to it that.

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Speaker 2: Honestly, Beck for you, and I'm saying this in a

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Speaker 2: very loving way. I don't want you want to take

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Speaker 2: it away, but for you and your personality type and

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Speaker 2: the way that you struggle with impulse control, that's incredible.

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Speaker 3: Thank you so much, thank you, good job, thank you

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Speaker 3: so much.

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Speaker 2: I'm really really proud of you.

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Speaker 3: Thank you, Jesse.

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Speaker 2: It's so sweet.

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Speaker 4: Thank you.

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Speaker 3: I really it does not go with my story. It's

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Speaker 3: so really so far from anything I could have dreamed

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Speaker 3: for myself. Yeah, and again, like in my real life,

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Speaker 3: I don't have savings because I can't. I don't have

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Speaker 3: the control. So I'm like, yeah, this is the only

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00:15:14,080 --> 00:15:17,240
Speaker 3: thing I know. Victoria would suggest having the emergency fund

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Speaker 3: before investing, but that if that's the only thing that

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Speaker 3: works for me. Unfortunately I just have investments. I don't

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00:15:25,520 --> 00:15:28,640
Speaker 3: have savings, and that's okay. I think, Yeah, worst came

341
00:15:28,640 --> 00:15:30,320
Speaker 3: to worse, A's still good that thing.

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Speaker 2: Yeah, you know, the fact you're working on creating a

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Speaker 2: more secure financial future for yourself in a way that

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Speaker 2: works for you, and I think that that's absolutely there's

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Speaker 2: no right way to do money.

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Speaker 3: Thank you.

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Speaker 2: The fact, yeah, that you're changing your habits. That's just

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Speaker 2: so wonderful.

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Speaker 3: Thank you. Oh my gosh. How many different things.

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Speaker 2: Are you invested in across that? For else, I feel like.

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Speaker 3: I'm going to check really quickly while I have you here. So, oh,

352
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Speaker 3: I've got eighteen dollars in my wall right now, one, two, three, four,

353
00:16:09,640 --> 00:16:11,560
Speaker 3: I've invested in thirty six things.

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Speaker 2: And you know what, that's your journey and that's okay,

355
00:16:16,720 --> 00:16:19,560
Speaker 2: that's funny. Okay, here's a question. So you're invested in

356
00:16:19,640 --> 00:16:25,680
Speaker 2: you're very well potentially diversified. Are they all ETFs? Are

357
00:16:25,720 --> 00:16:27,200
Speaker 2: some of those individual shares?

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Speaker 3: I think some of some of the individual Do you

359
00:16:30,880 --> 00:16:32,040
Speaker 3: think I should condense them?

360
00:16:32,840 --> 00:16:35,040
Speaker 2: I mean, it's totally up to you in your strategy.

361
00:16:35,200 --> 00:16:37,480
Speaker 2: If you hold a lot of ETFs, though, it would

362
00:16:37,480 --> 00:16:40,160
Speaker 2: probably be worth looking at what overlaps. I would say

363
00:16:40,760 --> 00:16:43,600
Speaker 2: a lot of you know, a lot of ETFs or

364
00:16:43,880 --> 00:16:46,840
Speaker 2: index funds rather track markets and things, So you might

365
00:16:46,960 --> 00:16:49,480
Speaker 2: find true depending on what you've invested, there may be

366
00:16:49,560 --> 00:16:52,080
Speaker 2: a fair bit of crossover there you consolidate down. Not

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Speaker 2: that there's anything wrong with holding lots of different things,

368
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Speaker 2: it just means you're like money's more spread out with

369
00:16:58,120 --> 00:17:01,320
Speaker 2: so many of them in your PORTFOLI, how do you

370
00:17:01,720 --> 00:17:04,320
Speaker 2: decide where your money is going? So let's say you

371
00:17:04,440 --> 00:17:06,280
Speaker 2: get here, You've got a certain amount you what did

372
00:17:06,320 --> 00:17:08,120
Speaker 2: you say, seventeen dollars in your wallet right now?

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00:17:08,480 --> 00:17:08,640
Speaker 1: Ah?

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00:17:08,760 --> 00:17:10,919
Speaker 3: Yes, eighteen eight right now?

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Speaker 2: How do you go? Okay? Well, which of these thirty

376
00:17:14,359 --> 00:17:16,680
Speaker 2: plus places am I putting that money?

377
00:17:17,320 --> 00:17:19,359
Speaker 3: I could probably put fifty cents in each?

378
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Speaker 2: Is that your typical shows.

379
00:17:23,160 --> 00:17:28,199
Speaker 3: You look so stressed? I want to know more. It's

380
00:17:28,359 --> 00:17:30,399
Speaker 3: such a good question. That really stresses me out when

381
00:17:30,440 --> 00:17:32,159
Speaker 3: I have money in my wallet because I'm like, well,

382
00:17:32,200 --> 00:17:33,520
Speaker 3: I don't I don't want to keep it there. I

383
00:17:33,560 --> 00:17:35,200
Speaker 3: want to put it somewhere, but I don't know where

384
00:17:35,240 --> 00:17:36,560
Speaker 3: to put it. I don't know where to start, and

385
00:17:36,640 --> 00:17:38,800
Speaker 3: so I think I should go through and figure out

386
00:17:38,800 --> 00:17:41,800
Speaker 3: what's not working for me anymore. But what I do

387
00:17:41,920 --> 00:17:45,760
Speaker 3: is I have price notifications set on some things. That's great.

388
00:17:45,840 --> 00:17:49,080
Speaker 2: So when things dip under a certain notified just way.

389
00:17:49,040 --> 00:17:51,840
Speaker 3: Go to the one that I will The major one

390
00:17:51,840 --> 00:17:53,720
Speaker 3: that I'm going to be investing in probably for about

391
00:17:53,800 --> 00:17:56,960
Speaker 3: is ASX five hundred I think, or s.

392
00:17:56,960 --> 00:17:58,920
Speaker 2: And P five hundred s and P five hundred s

393
00:17:58,960 --> 00:17:59,600
Speaker 2: and p five hundred.

394
00:17:59,720 --> 00:18:03,680
Speaker 3: It's a combination of both SMP and ASX. That's like,

395
00:18:03,720 --> 00:18:05,359
Speaker 3: I think that's my main one. I'm pretty sure. And

396
00:18:05,440 --> 00:18:07,840
Speaker 3: then I just like have like I put everything in

397
00:18:07,880 --> 00:18:09,600
Speaker 3: there if I can't decide.

398
00:18:09,560 --> 00:18:12,440
Speaker 2: Yeah, so're investing in an index fund that tracks the

399
00:18:12,520 --> 00:18:14,120
Speaker 2: two different AXMSMP.

400
00:18:14,359 --> 00:18:15,720
Speaker 3: Yeah exactly.

401
00:18:15,960 --> 00:18:17,760
Speaker 2: Yeah, so you put the bulk of your money, you

402
00:18:17,760 --> 00:18:21,240
Speaker 2: would say, into that every time you have money there, Yes, yes, exactly.

403
00:18:21,880 --> 00:18:25,119
Speaker 2: Incredible overall, Like, how are you feeling about just everything

404
00:18:25,160 --> 00:18:26,720
Speaker 2: that you've got going on? I feel like from where

405
00:18:26,720 --> 00:18:29,479
Speaker 2: you were when you started to be here, you've come

406
00:18:29,560 --> 00:18:30,240
Speaker 2: such a long way.

407
00:18:30,680 --> 00:18:33,640
Speaker 3: How does it sound you? It does feel really really good.

408
00:18:33,800 --> 00:18:36,760
Speaker 3: It just feels like though, because it's not fully in

409
00:18:37,000 --> 00:18:40,320
Speaker 3: my day to day. It's not accessible, and it's not

410
00:18:40,520 --> 00:18:42,679
Speaker 3: like I'm trying to not make it accessible as well,

411
00:18:42,720 --> 00:18:45,800
Speaker 3: and that's intentional. Right. Yeah, it does feel good to

412
00:18:45,880 --> 00:18:48,080
Speaker 3: have like almost like a safety net that I don't

413
00:18:48,119 --> 00:18:50,560
Speaker 3: want to touch and I don't expect to touch at

414
00:18:50,560 --> 00:18:54,800
Speaker 3: any point. But my day to day still feels weirdly

415
00:18:55,000 --> 00:18:58,040
Speaker 3: exactly the same as. Oh no, I think I do

416
00:18:58,119 --> 00:18:59,880
Speaker 3: feel a little bit better, even though I am still

417
00:19:00,160 --> 00:19:02,760
Speaker 3: not doing well financially. Like just because of my own

418
00:19:03,520 --> 00:19:05,120
Speaker 3: you know, I mean I don't get I don't get

419
00:19:05,119 --> 00:19:07,560
Speaker 3: paid heaps of money, but I could be way better

420
00:19:07,600 --> 00:19:08,280
Speaker 3: with my money as well.

421
00:19:08,520 --> 00:19:11,159
Speaker 2: Learning still, you're learning still, so because you don't have

422
00:19:11,400 --> 00:19:13,879
Speaker 2: that safety in it. Have you ever thought about getting

423
00:19:14,200 --> 00:19:17,120
Speaker 2: personal insurances or something like that to help protect yourself.

424
00:19:18,760 --> 00:19:21,520
Speaker 3: I have thought about it. It's all like quite a complex,

425
00:19:21,800 --> 00:19:24,520
Speaker 3: seems like a complex world, too complex a world for me.

426
00:19:24,680 --> 00:19:28,760
Speaker 3: So I don't have insurance, but I would. I have

427
00:19:29,040 --> 00:19:32,240
Speaker 3: been thinking about maybe one day exploring.

428
00:19:31,840 --> 00:19:33,800
Speaker 2: That when you do chi go to fel he did mine,

429
00:19:33,920 --> 00:19:37,119
Speaker 2: and like their team, they just do insurance. It's a

430
00:19:37,320 --> 00:19:41,760
Speaker 2: much more affordable fee getting advice for insurance specifically, rather

431
00:19:41,920 --> 00:19:46,280
Speaker 2: than going and getting holistic financial advice like significantly significantly cheaper.

432
00:19:46,359 --> 00:19:48,200
Speaker 2: And their team were amazing. They kind of like sort

433
00:19:48,200 --> 00:19:50,240
Speaker 2: of it all out presented it to me because.

434
00:19:50,000 --> 00:19:52,000
Speaker 3: It can be a r that is literally what I need.

435
00:19:52,040 --> 00:19:54,040
Speaker 3: I kind of feel like embarrassed going to you know,

436
00:19:54,160 --> 00:19:56,920
Speaker 3: maybe like my super company or something and they kind

437
00:19:56,920 --> 00:19:59,440
Speaker 3: of deal all these different things, but like strictly insurance

438
00:19:59,560 --> 00:20:03,440
Speaker 3: or something be really really helpful, I imagine. So okay,

439
00:20:04,520 --> 00:20:09,639
Speaker 3: than even though I'm still not using it wisely, I

440
00:20:10,000 --> 00:20:14,439
Speaker 3: am like things feel clearer, you know, and I can

441
00:20:14,520 --> 00:20:17,159
Speaker 3: see things clearer, and I can see a path that

442
00:20:17,840 --> 00:20:20,480
Speaker 3: is starting to form, and I all I need to

443
00:20:20,520 --> 00:20:22,680
Speaker 3: do is just like walk down the path. Yeah, but

444
00:20:22,760 --> 00:20:23,880
Speaker 3: I couldn't see the path before.

445
00:20:24,080 --> 00:20:26,720
Speaker 2: That's amazing, you know what I mean. Absolutely, And that's

446
00:20:26,760 --> 00:20:27,879
Speaker 2: the thing of it all. I think a lot of

447
00:20:27,960 --> 00:20:30,119
Speaker 2: the time, as humans, we feel like we've got to

448
00:20:30,119 --> 00:20:31,680
Speaker 2: have it all figured out to get that and that

449
00:20:32,240 --> 00:20:35,320
Speaker 2: like I'm someone who as a perfectionist, that really holds

450
00:20:35,359 --> 00:20:37,880
Speaker 2: me back, Like across pretty much every aspect of my life,

451
00:20:37,920 --> 00:20:40,360
Speaker 2: that need for things to be exactly right is often

452
00:20:40,400 --> 00:20:43,359
Speaker 2: what holds me back. And so I didn't start investing

453
00:20:43,480 --> 00:20:45,680
Speaker 2: until I was confident in what I was choosing, and

454
00:20:45,760 --> 00:20:48,320
Speaker 2: I didn't you know, I don't make choices until I'm like,

455
00:20:48,440 --> 00:20:50,399
Speaker 2: this is the right thing, and like that's not how

456
00:20:50,440 --> 00:20:53,000
Speaker 2: the world works, I know. I mean it honestly, probably

457
00:20:53,160 --> 00:20:56,280
Speaker 2: is a lot more effective in terms of taking advantage

458
00:20:56,280 --> 00:20:57,840
Speaker 2: of time in the market to be like you and

459
00:20:57,960 --> 00:20:59,200
Speaker 2: just go, well, you know what, I don't know what

460
00:20:59,280 --> 00:21:00,720
Speaker 2: I'm really doing, but I'm to throw some money and

461
00:21:00,720 --> 00:21:02,919
Speaker 2: we're going to figure it out totally. And you can

462
00:21:03,040 --> 00:21:05,760
Speaker 2: always change it down the track, like you've got the

463
00:21:05,800 --> 00:21:07,840
Speaker 2: thirty six. We can take a look after the show

464
00:21:07,840 --> 00:21:09,840
Speaker 2: and go okay, like what crow crossover is there? Like

465
00:21:09,920 --> 00:21:11,720
Speaker 2: how can we clean this up? If that's something you

466
00:21:11,760 --> 00:21:13,920
Speaker 2: want to do. Yeah, but if it's not, it also

467
00:21:14,080 --> 00:21:16,840
Speaker 2: isn't wrong, like and there is no wrong way to

468
00:21:16,920 --> 00:21:17,640
Speaker 2: do it, you know what I mean?

469
00:21:18,000 --> 00:21:21,639
Speaker 3: Yes, you're sor right? Thank you? So no, no, no,

470
00:21:21,800 --> 00:21:25,560
Speaker 3: I just like like you thinking about how I for

471
00:21:25,680 --> 00:21:28,159
Speaker 3: some reason thought I was had like eight things in there.

472
00:21:30,760 --> 00:21:31,359
Speaker 4: Scrawling.

473
00:21:32,359 --> 00:21:33,879
Speaker 3: You and I will sit down after this, you'll have

474
00:21:33,960 --> 00:21:34,639
Speaker 3: a look. Thank you.

475
00:21:35,200 --> 00:21:37,120
Speaker 2: In the meantime, let's go to a really quick break.

476
00:21:37,240 --> 00:21:38,680
Speaker 2: Maybe we can't pull it up, have a quick little

477
00:21:38,720 --> 00:21:40,760
Speaker 2: scroll gorgeous, and then when we come back, I want

478
00:21:40,760 --> 00:21:42,440
Speaker 2: to hear a bit more about this journey. So don't

479
00:21:42,480 --> 00:21:48,840
Speaker 2: go anywhere, guys. Beck and I are back, and I

480
00:21:48,960 --> 00:21:51,600
Speaker 2: want to know a year on, as a person who

481
00:21:51,760 --> 00:21:54,320
Speaker 2: is very very honest about not having a lot of

482
00:21:54,320 --> 00:21:58,200
Speaker 2: additional income, what does your regular investing.

483
00:21:57,800 --> 00:21:58,359
Speaker 3: Look like for you?

484
00:22:00,280 --> 00:22:04,120
Speaker 2: In Chazya's however you're investing if you invest other ways, Oh.

485
00:22:04,119 --> 00:22:06,680
Speaker 3: I understand it well Chazy's actually, yes, is the only

486
00:22:06,760 --> 00:22:10,800
Speaker 3: way I invest so I don't. Actually, no, I in

487
00:22:11,000 --> 00:22:12,720
Speaker 3: Victoria probably would like this very much. I have a

488
00:22:12,800 --> 00:22:16,040
Speaker 3: little bit of money in bitcoin. There you go just

489
00:22:16,160 --> 00:22:18,439
Speaker 3: like forty dollars, and I'm like, well, I just leave

490
00:22:18,480 --> 00:22:19,359
Speaker 3: it there because who knows.

491
00:22:19,400 --> 00:22:21,320
Speaker 2: You know, maybe you'll be like that guy who throughout

492
00:22:21,359 --> 00:22:23,240
Speaker 2: the hard drive that had like two billion dollars.

493
00:22:23,400 --> 00:22:25,399
Speaker 3: Oh my god, because he bought it, right, is that

494
00:22:25,680 --> 00:22:28,200
Speaker 3: forty dollars? You never know, You never know, you never know.

495
00:22:28,600 --> 00:22:31,119
Speaker 3: So I do have that sitting there. I forgot about that,

496
00:22:31,200 --> 00:22:34,639
Speaker 3: but no otherwise just Chazy's. So I've kind of just

497
00:22:34,800 --> 00:22:37,719
Speaker 3: like put auto roundups on so I can see when

498
00:22:37,760 --> 00:22:39,560
Speaker 3: I go in there that it's like, you know, there's

499
00:22:39,600 --> 00:22:42,240
Speaker 3: like a tally. It is also very revealing because it's

500
00:22:42,280 --> 00:22:45,520
Speaker 3: like I'm I'm not realizing how much, how much or

501
00:22:45,560 --> 00:22:49,320
Speaker 3: how quickly I'm spending. But every let's say dollar is

502
00:22:49,440 --> 00:22:50,680
Speaker 3: rounded up to the next.

503
00:22:50,960 --> 00:22:52,719
Speaker 2: So if you buy like a two dollars fifty coffee,

504
00:22:53,160 --> 00:22:55,600
Speaker 2: you'll spend three dollars and fifty cents if that goes

505
00:22:55,720 --> 00:22:57,640
Speaker 2: to your chazyas exactly exactly.

506
00:22:57,840 --> 00:23:00,240
Speaker 3: So my in my sharzycounter will kind of be likeing

507
00:23:00,359 --> 00:23:04,119
Speaker 3: up and the rate at which I'm eating five dollars

508
00:23:04,600 --> 00:23:07,679
Speaker 3: is like super human.

509
00:23:07,840 --> 00:23:08,720
Speaker 2: You're spending a lot of money.

510
00:23:08,760 --> 00:23:12,440
Speaker 3: I'll spend a lot of money. So almost every nanosecond

511
00:23:13,040 --> 00:23:15,639
Speaker 3: shares these all notify me and say another five dollars,

512
00:23:15,720 --> 00:23:17,919
Speaker 3: and then my dollars is hitting your account and I'm like, okay,

513
00:23:18,119 --> 00:23:20,760
Speaker 3: well I need and I can't even afford these five

514
00:23:20,840 --> 00:23:22,600
Speaker 3: dollars anymore, you know, And I'm like, well, I need

515
00:23:22,640 --> 00:23:25,280
Speaker 3: to be spending less, is I think the takeaway, But

516
00:23:26,080 --> 00:23:28,359
Speaker 3: my brain is also kind of like I just need

517
00:23:28,400 --> 00:23:31,040
Speaker 3: to turn my roundups off. No, Andy is spend less.

518
00:23:31,400 --> 00:23:34,199
Speaker 3: You know that mindset shit there you go, look at

519
00:23:34,200 --> 00:23:38,440
Speaker 3: that mindset ship that happened in real time because we

520
00:23:38,560 --> 00:23:39,200
Speaker 3: have this conversation.

521
00:23:40,359 --> 00:23:40,560
Speaker 4: Was like.

522
00:23:42,200 --> 00:23:49,520
Speaker 3: My round ups off or yes, or like to be

523
00:23:49,640 --> 00:23:54,640
Speaker 3: spending the same amount but in one transaction. Yeah, that's true.

524
00:23:54,760 --> 00:23:57,280
Speaker 3: So I have round ups on. I don't even remember

525
00:23:57,320 --> 00:24:00,400
Speaker 3: the last time I actively went and deposited money in there.

526
00:24:00,600 --> 00:24:03,199
Speaker 3: So it's it really is just those roundups that are

527
00:24:03,280 --> 00:24:05,720
Speaker 3: keeping me afloat. But there's a new like five dollars

528
00:24:05,800 --> 00:24:09,359
Speaker 3: every at least once a day, I would say, wow,

529
00:24:09,680 --> 00:24:14,600
Speaker 3: which is crazy and also feels like if someone asks

530
00:24:14,640 --> 00:24:18,280
Speaker 3: me this to save what is that seven times five

531
00:24:18,400 --> 00:24:21,520
Speaker 3: thirty five dollars a week. I'd be like, I can try,

532
00:24:21,600 --> 00:24:23,119
Speaker 3: but I probably probably won't do that.

533
00:24:23,280 --> 00:24:23,440
Speaker 1: Yeah.

534
00:24:23,480 --> 00:24:25,800
Speaker 3: I saved twenty dollars for two weeks and then immediately

535
00:24:25,840 --> 00:24:27,560
Speaker 3: took it out again, you know what I mean. But

536
00:24:27,680 --> 00:24:32,640
Speaker 3: thirty dollars a week in my SHARE's ease, I'm not noticing, Yeah,

537
00:24:33,119 --> 00:24:33,960
Speaker 3: and I can't take out.

538
00:24:34,200 --> 00:24:36,320
Speaker 2: And that's the nice thing about automating. I think, especially

539
00:24:36,359 --> 00:24:39,119
Speaker 2: for someone like you you've got an EHD, impulse control

540
00:24:39,200 --> 00:24:42,160
Speaker 2: is a big thing. I think that having it automated

541
00:24:42,280 --> 00:24:44,280
Speaker 2: means you don't have to think about It's that out

542
00:24:44,320 --> 00:24:46,560
Speaker 2: of sight, out of mind, which I know that obviously

543
00:24:46,600 --> 00:24:48,760
Speaker 2: when you're investing, you know, make sure your hands on,

544
00:24:48,840 --> 00:24:51,600
Speaker 2: make sure you're looking at everything. But having that little

545
00:24:51,640 --> 00:24:54,040
Speaker 2: bit of I guess, removing the barrier, like it just

546
00:24:54,119 --> 00:24:56,399
Speaker 2: happens without you, Yeah, you know what I mean, So

547
00:24:56,440 --> 00:24:58,359
Speaker 2: you're not conscious of it. You don't notice the fifty

548
00:24:58,440 --> 00:25:01,359
Speaker 2: cents disappearing on top of your two fifty coffee necessarily.

549
00:25:01,920 --> 00:25:04,040
Speaker 2: Then when you have five dollars to invest, you're, oh,

550
00:25:04,119 --> 00:25:06,280
Speaker 2: that's actually like quite a lot of money.

551
00:25:06,440 --> 00:25:09,479
Speaker 3: Yeah, exactly, And then it kind of gets really exciting

552
00:25:09,640 --> 00:25:12,000
Speaker 3: like that. I mean, I don't recommend having thirty six

553
00:25:12,080 --> 00:25:14,960
Speaker 3: different things that you're investing in, but going through and like,

554
00:25:15,640 --> 00:25:18,399
Speaker 3: oh know, see what's coming up, what's hot right now?

555
00:25:18,560 --> 00:25:20,640
Speaker 3: You know, it's kind of fun. And like even if

556
00:25:20,680 --> 00:25:23,360
Speaker 3: you if you end up like playing with that five

557
00:25:23,400 --> 00:25:25,960
Speaker 3: dollars and you lose it or it kind of goes

558
00:25:26,000 --> 00:25:27,960
Speaker 3: down and up and whatever, it's like, you know, yeah,

559
00:25:28,000 --> 00:25:30,000
Speaker 3: it's five dollars and it was fun and you learn

560
00:25:30,080 --> 00:25:32,520
Speaker 3: something I suppose, so it's all worth it at the

561
00:25:32,600 --> 00:25:33,040
Speaker 3: end of the day.

562
00:25:33,160 --> 00:25:33,680
Speaker 2: Incredible.

563
00:25:33,920 --> 00:25:36,040
Speaker 3: Yeah, And I think like the other thing I would

564
00:25:36,080 --> 00:25:40,600
Speaker 3: say is once it starts getting rewarding, you might think like, oh,

565
00:25:40,640 --> 00:25:41,840
Speaker 3: it's going to take like a year to get to

566
00:25:41,840 --> 00:25:43,720
Speaker 3: fourteen hundred, but like and you know, maybe it took

567
00:25:43,760 --> 00:25:46,080
Speaker 3: me that long, maybe it took longer than that. I

568
00:25:46,119 --> 00:25:48,359
Speaker 3: think it took longer than that. But it starts being

569
00:25:48,400 --> 00:25:53,160
Speaker 3: rewarding and addictive the second you start. It's like from

570
00:25:53,240 --> 00:25:56,160
Speaker 3: fifteen dollars onward, it is so addictive, so you don't

571
00:25:56,200 --> 00:25:58,920
Speaker 3: need to be like, oh, in a year then I'll

572
00:25:58,960 --> 00:26:01,840
Speaker 3: have enough and then I'll be like no, it's like rewarding.

573
00:26:01,920 --> 00:26:04,880
Speaker 3: It's like addicting, addictive, immediately.

574
00:26:05,440 --> 00:26:09,920
Speaker 2: Yeah, incredible. You're someone who's really driven by your values.

575
00:26:09,960 --> 00:26:11,520
Speaker 2: You're very clear, I think.

576
00:26:11,440 --> 00:26:13,720
Speaker 3: Like cure, Yeah, very clear moral lines.

577
00:26:13,800 --> 00:26:15,960
Speaker 2: How does that play into your investing in what you're

578
00:26:16,160 --> 00:26:17,159
Speaker 2: choosing to invest in.

579
00:26:17,960 --> 00:26:21,080
Speaker 3: It's a great question. And what I do is, I mean,

580
00:26:21,119 --> 00:26:23,120
Speaker 3: Google's my best friend with this kind of thing, which

581
00:26:23,160 --> 00:26:27,119
Speaker 3: I think is ironic because you know, I'm using still

582
00:26:27,160 --> 00:26:29,880
Speaker 3: AI even though I don't use chat GPT, but it's

583
00:26:29,880 --> 00:26:32,760
Speaker 3: still kind of is using the same energy, I think.

584
00:26:33,240 --> 00:26:37,800
Speaker 3: But I have a lot of friends that are that

585
00:26:37,880 --> 00:26:39,720
Speaker 3: has the same mentality as me, but they're a little

586
00:26:39,720 --> 00:26:44,399
Speaker 3: bit more they're more disciplined, and they're more going to

587
00:26:44,480 --> 00:26:45,520
Speaker 3: like look into what they're.

588
00:26:45,359 --> 00:26:46,919
Speaker 2: Doing, and they're doing the research.

589
00:26:46,920 --> 00:26:49,080
Speaker 3: They're doing the research, and they're going to sit down

590
00:26:49,160 --> 00:26:52,040
Speaker 3: and like take the time to And so I surround

591
00:26:52,080 --> 00:26:54,720
Speaker 3: myself with people who are pretty like minded and have

592
00:26:54,840 --> 00:26:57,560
Speaker 3: the similar goals and also the same values and morals

593
00:26:57,600 --> 00:27:00,960
Speaker 3: and things like that, and so if I'm sure, I'll

594
00:27:01,040 --> 00:27:02,720
Speaker 3: kind of like chat with them make sure I'm doing

595
00:27:02,760 --> 00:27:06,119
Speaker 3: the right thing. But it is a big part of

596
00:27:06,400 --> 00:27:14,760
Speaker 3: my brain, but it's not currently something I'm like big into.

597
00:27:15,640 --> 00:27:17,600
Speaker 3: Like basically I could go through my thing right now,

598
00:27:17,680 --> 00:27:19,840
Speaker 3: my shares is right now, I can't say with all

599
00:27:19,880 --> 00:27:23,920
Speaker 3: confidence that I'm not investing in something completely morally corrupt.

600
00:27:24,080 --> 00:27:26,440
Speaker 2: You haven't overlaid that into the way that you're making

601
00:27:26,480 --> 00:27:26,840
Speaker 2: your choice.

602
00:27:27,040 --> 00:27:29,680
Speaker 3: Yeah, but I also wouldn't be able to ignore it

603
00:27:29,720 --> 00:27:31,680
Speaker 3: if I knew. So if there's something that I know

604
00:27:31,880 --> 00:27:35,560
Speaker 3: for sure is I'm investing in something really bad or

605
00:27:35,800 --> 00:27:38,159
Speaker 3: investing in you know, the wrong areas or something, I

606
00:27:38,200 --> 00:27:40,520
Speaker 3: would not be able to ignore it. But not knowing

607
00:27:40,600 --> 00:27:42,200
Speaker 3: right now is a good strategy for me.

608
00:27:43,200 --> 00:27:46,680
Speaker 2: So like you wouldn't invest in like a gun company directly, Yeah,

609
00:27:46,880 --> 00:27:50,080
Speaker 2: you also wouldn't know if an ETF you hold might.

610
00:27:50,320 --> 00:27:55,159
Speaker 3: Do that exactly exactly. Actually, yeah, that's wow. I need

611
00:27:55,200 --> 00:27:59,600
Speaker 3: to look into that. That's good to know.

612
00:28:00,040 --> 00:28:02,920
Speaker 2: And yeah, that's exactly right. You were saying you talk

613
00:28:02,960 --> 00:28:05,280
Speaker 2: to your friends. When we were talking about the start

614
00:28:05,320 --> 00:28:07,520
Speaker 2: of your journey. You were saying, no one around you

615
00:28:07,600 --> 00:28:10,080
Speaker 2: except your brother was talking about investing or financeaging and

616
00:28:10,119 --> 00:28:12,560
Speaker 2: that stuff. Is that different now? Do more of your

617
00:28:12,600 --> 00:28:14,880
Speaker 2: friends invest or talk about money more openly or things

618
00:28:14,920 --> 00:28:15,040
Speaker 2: like that?

619
00:28:15,160 --> 00:28:18,359
Speaker 3: It's probably more about like the not so much as

620
00:28:18,400 --> 00:28:20,600
Speaker 3: the money thing in the investing thing, more about like

621
00:28:20,680 --> 00:28:24,359
Speaker 3: the companies or you know, like areas in which like

622
00:28:24,440 --> 00:28:28,640
Speaker 3: if I say I'm investing in ASX whatever, a friend

623
00:28:28,800 --> 00:28:31,600
Speaker 3: somewhere might know or that, do you know that they

624
00:28:31,920 --> 00:28:34,879
Speaker 3: invest in this or you know, so I have randomly

625
00:28:34,960 --> 00:28:37,160
Speaker 3: friends with random bits of knowledge or that they're into

626
00:28:37,240 --> 00:28:41,240
Speaker 3: investing or finances in that way. But they're fully across

627
00:28:41,920 --> 00:28:44,520
Speaker 3: who we should be boycotting right now, and who's investing

628
00:28:44,560 --> 00:28:47,760
Speaker 3: in really bad things and who funds really bad things,

629
00:28:47,800 --> 00:28:53,080
Speaker 3: Like they're all completely across, like the political side of investing. Yeah,

630
00:28:53,240 --> 00:28:55,920
Speaker 3: not that they are necessarily investing, you know what I mean?

631
00:28:56,000 --> 00:28:56,680
Speaker 2: Yeah, that makes sense.

632
00:28:56,800 --> 00:28:56,960
Speaker 3: Yeah.

633
00:28:57,160 --> 00:28:58,720
Speaker 2: Do you know which of your investments has the best

634
00:28:58,800 --> 00:28:59,880
Speaker 2: return accuracy?

635
00:29:00,120 --> 00:29:06,040
Speaker 3: Yes, gene DX Holdings. I have no idea what that is.

636
00:29:06,080 --> 00:29:08,320
Speaker 3: Can you tell me more? I can it is? Uh,

637
00:29:08,520 --> 00:29:11,080
Speaker 3: let me quickly open it because I remember Victoria told

638
00:29:11,120 --> 00:29:14,520
Speaker 3: me once that Warren Buffett said, if you don't understand

639
00:29:15,400 --> 00:29:18,520
Speaker 3: the investment, then you should not be invested in it.

640
00:29:19,240 --> 00:29:19,960
Speaker 2: That's good advice.

641
00:29:20,160 --> 00:29:22,200
Speaker 3: That is good advice. And I don't fully understand investment.

642
00:29:22,240 --> 00:29:28,840
Speaker 3: But gene DX Holdings Corp. Is a genomics company genomics company.

643
00:29:29,160 --> 00:29:31,600
Speaker 3: The company operates through its subsidiary sor I'm not going

644
00:29:31,680 --> 00:29:35,160
Speaker 3: to read all that. It's focused on xome in genome

645
00:29:35,280 --> 00:29:40,320
Speaker 3: tests that translate complex genomic genomic data into clinical answers

646
00:29:40,720 --> 00:29:42,640
Speaker 3: that unlock personalized health plans.

647
00:29:42,960 --> 00:29:43,160
Speaker 4: Cool.

648
00:29:43,280 --> 00:29:47,640
Speaker 2: So it's like data research, yes, health genome stuff I

649
00:29:47,680 --> 00:29:51,480
Speaker 2: think is linked to like disease prevention. Yes, all that

650
00:29:51,640 --> 00:29:52,240
Speaker 2: sort of stuff.

651
00:29:52,400 --> 00:29:54,840
Speaker 3: I believe so, And like I thought it was like

652
00:29:54,880 --> 00:29:56,880
Speaker 3: something like genetic testing, but it could be completely wrong.

653
00:29:56,880 --> 00:29:59,960
Speaker 3: I'm not too sure, but something like that for some reason,

654
00:30:00,040 --> 00:30:01,760
Speaker 3: and it's doing so well and I wish.

655
00:30:01,600 --> 00:30:03,040
Speaker 2: You landed you up just out of cura.

656
00:30:03,240 --> 00:30:06,960
Speaker 3: Oh yes, Okay, this is going to blow your tits

657
00:30:07,040 --> 00:30:07,440
Speaker 3: clean off.

658
00:30:08,720 --> 00:30:09,920
Speaker 2: I only have someone's I need it.

659
00:30:11,760 --> 00:30:14,760
Speaker 3: Well, they're going to be gone after this episode. So

660
00:30:15,480 --> 00:30:19,720
Speaker 3: price change one hundred and ten percent. Wow, i put

661
00:30:19,920 --> 00:30:22,320
Speaker 3: seventy seven dollars in and I've got a return of

662
00:30:22,400 --> 00:30:24,000
Speaker 3: fifty four dollars. We've got one hundred and twenty six

663
00:30:24,040 --> 00:30:27,680
Speaker 3: dollars in this thing. And so it was that long ago,

664
00:30:27,840 --> 00:30:29,600
Speaker 3: and well I was a few months ago. But it

665
00:30:29,720 --> 00:30:31,680
Speaker 3: just keeps going up and up and up. There you go,

666
00:30:32,000 --> 00:30:36,160
Speaker 3: and I am just hoping that it stays that way.

667
00:30:36,720 --> 00:30:39,280
Speaker 3: So it's not advice because it's.

668
00:30:39,400 --> 00:30:41,360
Speaker 2: You're in research. Make sure it's right exactly.

669
00:30:41,400 --> 00:30:44,480
Speaker 3: Investing contains risk exactly, and I, unfortunately, I feel like

670
00:30:44,520 --> 00:30:46,280
Speaker 3: it's gone to its peak.

671
00:30:46,920 --> 00:30:49,680
Speaker 2: Well, yes, there is that the idea of but it

672
00:30:49,760 --> 00:30:52,720
Speaker 2: depends everything. If you can predict it, we'd all be rich.

673
00:30:53,080 --> 00:30:54,000
Speaker 3: Yes, well that's it.

674
00:30:54,320 --> 00:30:56,280
Speaker 2: Have you invested in anything that you wish that you hadn't.

675
00:30:56,520 --> 00:31:00,400
Speaker 3: I did invest in no offense to the company. I

676
00:31:00,440 --> 00:31:03,280
Speaker 3: don't understand this company. But basically my partner was really

677
00:31:03,360 --> 00:31:05,000
Speaker 3: cross with me because I could buy her gifts and

678
00:31:05,040 --> 00:31:06,400
Speaker 3: so I was like, well, instead of that, I'm going

679
00:31:06,440 --> 00:31:08,920
Speaker 3: to buy shares for you. And so I just like,

680
00:31:09,240 --> 00:31:10,720
Speaker 3: the only one that I could find that had like

681
00:31:10,800 --> 00:31:14,040
Speaker 3: a cute name was love a love company, Love's group

682
00:31:14,160 --> 00:31:17,120
Speaker 3: or something like that, and I put on Love. I

683
00:31:17,200 --> 00:31:18,720
Speaker 3: don't have no idea what love group is. I didn't

684
00:31:18,720 --> 00:31:21,440
Speaker 3: look into it. I just thought love is a cute word,

685
00:31:21,560 --> 00:31:23,480
Speaker 3: and that's what I'm looking for. And or I was

686
00:31:23,560 --> 00:31:26,200
Speaker 3: like baby something, but I like if I was baby bunting,

687
00:31:26,200 --> 00:31:27,440
Speaker 3: and I was like, I don't think that's the right vibe.

688
00:31:27,440 --> 00:31:28,760
Speaker 3: So I just went with Love Group and then I

689
00:31:28,800 --> 00:31:30,560
Speaker 3: put my money in there, and and then it's just

690
00:31:30,640 --> 00:31:33,760
Speaker 3: gone down and down and down, and uh, that's the

691
00:31:33,840 --> 00:31:36,040
Speaker 3: only thing I kind of regret. But it's still kind

692
00:31:36,040 --> 00:31:36,360
Speaker 3: of cute.

693
00:31:36,400 --> 00:31:38,040
Speaker 2: You're putting your investments in the way I would pick

694
00:31:38,080 --> 00:31:39,320
Speaker 2: like a racehorse.

695
00:31:41,520 --> 00:31:44,720
Speaker 3: Exactly exactly. But I think it's coming back. It's coming back.

696
00:31:44,840 --> 00:31:48,440
Speaker 3: So I feel like sometimes your gut or the name

697
00:31:48,520 --> 00:31:51,760
Speaker 3: of a company, if it's cute, you gotta just you

698
00:31:51,840 --> 00:31:53,040
Speaker 3: gotta go for it. It's going to pay off.

699
00:31:53,080 --> 00:31:57,400
Speaker 2: Probably do your in research. We just had a quick

700
00:31:57,600 --> 00:31:59,280
Speaker 2: producer am. I just did a quick google for us.

701
00:31:59,280 --> 00:32:01,600
Speaker 2: It's a dating part that is so cute.

702
00:32:02,240 --> 00:32:04,160
Speaker 3: Oh my god, that kind of works.

703
00:32:05,080 --> 00:32:06,720
Speaker 2: I mean, it does what you wanted it to do.

704
00:32:06,760 --> 00:32:08,480
Speaker 2: It's got the cute name, it's got a cute name.

705
00:32:09,760 --> 00:32:11,560
Speaker 2: So it's been a year now that you've been investing,

706
00:32:11,920 --> 00:32:14,800
Speaker 2: do you feel or think differently about it as a whole.

707
00:32:15,040 --> 00:32:17,560
Speaker 3: I think there's a part of me that's like, cute,

708
00:32:17,880 --> 00:32:20,600
Speaker 3: All well and good. I'm going to keep the money

709
00:32:20,680 --> 00:32:23,400
Speaker 3: is going to grow. But I think because it's like, oh,

710
00:32:23,440 --> 00:32:25,000
Speaker 3: it's a long term investment, you're not really going to

711
00:32:25,080 --> 00:32:27,760
Speaker 3: take shares out. I'm like, when do you take shares out?

712
00:32:27,840 --> 00:32:28,960
Speaker 3: You know what I mean? Like, will I be like

713
00:32:29,000 --> 00:32:32,800
Speaker 3: seventy and be like, it's I've hit It's not making

714
00:32:32,840 --> 00:32:34,560
Speaker 3: sense in my brain yet, Like I like, I know that.

715
00:32:35,320 --> 00:32:36,920
Speaker 3: I think it's same with savings and stuff. I'm like,

716
00:32:36,960 --> 00:32:38,800
Speaker 3: you save, you save, you save, and then when do

717
00:32:38,880 --> 00:32:42,480
Speaker 3: you spend well, it depends on your strategy. So for

718
00:32:42,520 --> 00:32:45,200
Speaker 3: a lot of people, the idea is that you reach

719
00:32:45,240 --> 00:32:47,480
Speaker 3: a point of investment that you have enough funds invested

720
00:32:47,560 --> 00:32:49,400
Speaker 3: that the dividends that you're paid is what you would

721
00:32:49,400 --> 00:32:49,840
Speaker 3: live off of.

722
00:32:50,440 --> 00:32:52,440
Speaker 2: So you you know, it's the math of it all

723
00:32:52,560 --> 00:32:55,880
Speaker 2: going okay, well, to live comfortably every year, I need

724
00:32:56,520 --> 00:32:59,320
Speaker 2: X amount of dollars. They explained this we did Victoria

725
00:32:59,400 --> 00:33:01,240
Speaker 2: did and investing with one ab out other team members

726
00:33:01,280 --> 00:33:05,000
Speaker 2: Brooke who's doing fire financial independence earlier and she spoke

727
00:33:05,040 --> 00:33:07,600
Speaker 2: about this. It's you work out what would you comfortably

728
00:33:07,680 --> 00:33:10,080
Speaker 2: live off of? Okay, I need seventy thousand dollars a

729
00:33:10,160 --> 00:33:12,640
Speaker 2: year to live and then you do the math backwards

730
00:33:12,640 --> 00:33:16,040
Speaker 2: and go, okay, well to earn dividends of around seventy

731
00:33:16,120 --> 00:33:19,000
Speaker 2: thousand dollars because obviously it's subject to market conditions, I

732
00:33:19,080 --> 00:33:21,560
Speaker 2: would need to have X amount of dollars invested, and

733
00:33:21,640 --> 00:33:23,520
Speaker 2: so that's their goal is to hit a point where

734
00:33:23,960 --> 00:33:26,640
Speaker 2: you would have enough invested that you are basically paid

735
00:33:27,560 --> 00:33:30,800
Speaker 2: a salary or an equivalent off to buy your dividends.

736
00:33:31,160 --> 00:33:33,640
Speaker 2: But for some people, they are investing with the purpose of,

737
00:33:34,160 --> 00:33:36,240
Speaker 2: you know, selling it down for a profit and using

738
00:33:36,280 --> 00:33:39,960
Speaker 2: that to pay for something. You know, everybody's strategy is different.

739
00:33:40,080 --> 00:33:44,760
Speaker 3: Okay, got you? Got you? Oh okay, because I'm.

740
00:33:44,680 --> 00:33:47,120
Speaker 2: Thinking You're like, I'm pulling it out next year.

741
00:33:47,320 --> 00:33:50,320
Speaker 3: Yeah, I'm like, okay, well then you make like X

742
00:33:50,400 --> 00:33:52,160
Speaker 3: amount and then you pull it all out and then

743
00:33:52,200 --> 00:33:56,200
Speaker 3: you I understand, now you don't do that. You can't.

744
00:33:56,280 --> 00:33:58,640
Speaker 2: It totally depends on your strategy, and I think for

745
00:33:58,720 --> 00:34:01,800
Speaker 2: someone like you, it's it's a really good exercise in

746
00:34:01,920 --> 00:34:04,320
Speaker 2: like discipline. And so if anything, I would be saying, no,

747
00:34:04,480 --> 00:34:05,880
Speaker 2: we don't want to pull it out, like we want

748
00:34:05,880 --> 00:34:07,440
Speaker 2: to see how far can you push it? Do you

749
00:34:07,520 --> 00:34:08,640
Speaker 2: want to see how big can it get?

750
00:34:08,880 --> 00:34:10,000
Speaker 3: Yeah? I kind of do want to see it.

751
00:34:10,000 --> 00:34:12,719
Speaker 2: So yourself a huge goal something that what feels what

752
00:34:12,800 --> 00:34:14,920
Speaker 2: would that amount be? If you could go, oh, if

753
00:34:14,960 --> 00:34:16,759
Speaker 2: I could have any amount invested, I would want it

754
00:34:16,800 --> 00:34:17,960
Speaker 2: to be this. What would that be for you?

755
00:34:18,800 --> 00:34:22,760
Speaker 3: Probably like one hundred thousand dollars.

756
00:34:22,880 --> 00:34:23,560
Speaker 2: That's a great goal.

757
00:34:24,120 --> 00:34:26,759
Speaker 3: Okay, so that's your goal probably, Like I'm thinking like

758
00:34:26,880 --> 00:34:27,640
Speaker 3: twenty thirty years.

759
00:34:27,760 --> 00:34:30,520
Speaker 2: Absolutely, I'm not sing whatever time frame works for you,

760
00:34:30,640 --> 00:34:33,080
Speaker 2: but like that's a great goal to have, and like that,

761
00:34:33,320 --> 00:34:34,680
Speaker 2: do you know what I mean? Now every time you go, oh,

762
00:34:34,680 --> 00:34:36,560
Speaker 2: I want to pull my money out, but think but

763
00:34:36,640 --> 00:34:40,640
Speaker 2: I want to get to a thousand dollars so close? Yeah, yeah,

764
00:34:41,080 --> 00:34:42,000
Speaker 2: fifty more years to go on.

765
00:34:42,400 --> 00:34:46,160
Speaker 3: More years and ninety nine thousand dollars more.

766
00:34:46,400 --> 00:34:50,280
Speaker 2: But it's achievable. Every little bit, every little bit counts exactly.

767
00:34:50,440 --> 00:34:51,960
Speaker 2: What is this last year of investing taught you?

768
00:34:52,280 --> 00:34:58,239
Speaker 3: It's taught me that that it actually I can kind

769
00:34:58,280 --> 00:35:01,480
Speaker 3: of see the thing that this whole investing thing like

770
00:35:02,080 --> 00:35:09,480
Speaker 3: does generate something. And I can understand now why Victoria

771
00:35:09,520 --> 00:35:13,040
Speaker 3: says like, if you want to access your savings, don't

772
00:35:13,080 --> 00:35:17,680
Speaker 3: put it in like shares, because there is ups and

773
00:35:17,840 --> 00:35:20,840
Speaker 3: downs and that money I'm now not actually going to

774
00:35:20,920 --> 00:35:22,440
Speaker 3: touch like I think before I used to think like

775
00:35:22,800 --> 00:35:24,759
Speaker 3: I'm going to put in there in a year, I'm

776
00:35:24,800 --> 00:35:28,520
Speaker 3: gonna hopefully double it, dig it out, and then spend

777
00:35:28,560 --> 00:35:31,320
Speaker 3: it on Christmas or something. But now I'm like, Okay,

778
00:35:31,520 --> 00:35:35,239
Speaker 3: it's it takes some time, and I'm going to leave

779
00:35:35,239 --> 00:35:35,839
Speaker 3: it for a while.

780
00:35:36,239 --> 00:35:36,840
Speaker 2: I'm proud of you.

781
00:35:37,160 --> 00:35:37,440
Speaker 3: Thank you.

782
00:35:37,520 --> 00:35:40,320
Speaker 2: You can talk to twenty twenty four back before she invested,

783
00:35:40,520 --> 00:35:41,200
Speaker 2: what would you say?

784
00:35:41,640 --> 00:35:42,640
Speaker 3: What would I tell her?

785
00:35:42,880 --> 00:35:45,920
Speaker 2: Don't put your money on love? Said on love?

786
00:35:45,960 --> 00:35:50,200
Speaker 3: I would say, you are probably going to think this

787
00:35:50,360 --> 00:35:54,160
Speaker 3: is going to make you more financially literate, but your

788
00:35:54,239 --> 00:35:57,160
Speaker 3: life outside of investment, investing in shares is going to

789
00:35:57,200 --> 00:35:59,880
Speaker 3: be exactly the same. But you're going to have us

790
00:36:00,000 --> 00:36:04,120
Speaker 3: safety blanket and it's going to feel good and live, love,

791
00:36:04,280 --> 00:36:07,480
Speaker 3: laugh as you always do and as you always will.

792
00:36:07,920 --> 00:36:12,759
Speaker 2: Oh brings a tear to the eye. Do you see

793
00:36:13,000 --> 00:36:15,120
Speaker 2: you're investing changing at all in twenty twenty six?

794
00:36:15,520 --> 00:36:17,640
Speaker 3: Well, now I'm thinking I want to like condense it

795
00:36:18,120 --> 00:36:20,440
Speaker 3: down a little bit because it is. I could tell

796
00:36:20,440 --> 00:36:22,839
Speaker 3: you it's stressful, having thirty six different things I could

797
00:36:22,920 --> 00:36:25,960
Speaker 3: put my money in it. I can't see it and

798
00:36:26,040 --> 00:36:27,920
Speaker 3: it makes sense because I would be like why is why?

799
00:36:28,160 --> 00:36:29,840
Speaker 3: Like it would just sit in my wallet for a

800
00:36:29,880 --> 00:36:31,040
Speaker 3: long time and I'd be like, I don't know where

801
00:36:31,040 --> 00:36:32,680
Speaker 3: to put it. I'm like, why do I struggle so

802
00:36:32,760 --> 00:36:36,240
Speaker 3: much with this? Like this like analysis paralysis? But I'm like, Okay,

803
00:36:36,280 --> 00:36:38,480
Speaker 3: it makes sense. Now there's so many things there.

804
00:36:38,840 --> 00:36:40,799
Speaker 2: I see, like thousands of things in the world too.

805
00:36:41,160 --> 00:36:43,520
Speaker 3: All that's so true. You know, where do you start?

806
00:36:43,920 --> 00:36:45,600
Speaker 3: So I think I'm just gonna like, I'm going to

807
00:36:45,640 --> 00:36:49,359
Speaker 3: like narrow it down but also explore and so maybe

808
00:36:49,360 --> 00:36:52,080
Speaker 3: I'll end up with more things that I'm investing in.

809
00:36:52,400 --> 00:36:54,200
Speaker 3: But I think I just want to, like, I'm just

810
00:36:54,200 --> 00:36:55,719
Speaker 3: going to keep putting money in. I'm not going to

811
00:36:55,800 --> 00:36:57,719
Speaker 3: put too much focus on it because then I might

812
00:36:58,640 --> 00:37:00,680
Speaker 3: I might end up like put all my buney in

813
00:37:00,719 --> 00:37:02,160
Speaker 3: there and then be like, oh I actually need that

814
00:37:02,200 --> 00:37:04,600
Speaker 3: money and then figuring out how to withdraw and then

815
00:37:04,680 --> 00:37:07,280
Speaker 3: withdrawing all the time. Yeah, and then end up with nothing.

816
00:37:07,600 --> 00:37:10,640
Speaker 3: So it's going to be a slow and steady for me. Yeah,

817
00:37:10,760 --> 00:37:12,239
Speaker 3: I think so incredible.

818
00:37:12,320 --> 00:37:14,040
Speaker 2: And then before we go, I have one last question,

819
00:37:14,160 --> 00:37:16,279
Speaker 2: please fun one, and I feel like the answer might

820
00:37:16,320 --> 00:37:18,440
Speaker 2: be a little bit broke. What is the weirdest or

821
00:37:18,480 --> 00:37:21,240
Speaker 2: funniest thing that you have Googled when it comes to investing.

822
00:37:24,239 --> 00:37:26,319
Speaker 3: I think it's a lot of like it's a lot

823
00:37:26,360 --> 00:37:30,800
Speaker 3: of what is you know, and honestly, probably just like

824
00:37:30,920 --> 00:37:35,680
Speaker 3: really silly things like my Google history is really crazy,

825
00:37:36,200 --> 00:37:39,280
Speaker 3: like the I don't want to I don't want anyone

826
00:37:39,320 --> 00:37:41,319
Speaker 3: to see, you know, for example, like I googled how

827
00:37:42,280 --> 00:37:43,560
Speaker 3: and I think I mentioned on the show, like how

828
00:37:43,600 --> 00:37:46,280
Speaker 3: does a pull ball know that the ball is white?

829
00:37:47,160 --> 00:37:49,320
Speaker 3: Like things that I'm just like so curious about that

830
00:37:49,480 --> 00:37:52,760
Speaker 3: have nothing to do with like kind of adding value

831
00:37:52,800 --> 00:37:54,719
Speaker 3: to my life or adding value to my shares or

832
00:37:54,719 --> 00:37:57,400
Speaker 3: adding value to anything. Like I'm pretty sure I googled,

833
00:37:57,480 --> 00:38:01,560
Speaker 3: like how do you gubble your money in? You know,

834
00:38:01,719 --> 00:38:03,880
Speaker 3: things that are really silly, that are really unrealistic, that

835
00:38:03,920 --> 00:38:06,799
Speaker 3: are really like I just to make sure to make sure,

836
00:38:07,120 --> 00:38:08,759
Speaker 3: because I think that a lot of us just want

837
00:38:08,800 --> 00:38:11,640
Speaker 3: to put money in something and then have it double.

838
00:38:12,320 --> 00:38:14,279
Speaker 3: But I've done a lot of googling on I've gone

839
00:38:14,320 --> 00:38:16,480
Speaker 3: on Reddit, like what's about to blow up? You know,

840
00:38:17,239 --> 00:38:20,040
Speaker 3: what's the next biggest thing? And they haven't all come

841
00:38:20,120 --> 00:38:20,440
Speaker 3: back with.

842
00:38:20,800 --> 00:38:23,240
Speaker 2: Anyone can give advice on the internet. It's very ironic

843
00:38:23,360 --> 00:38:25,080
Speaker 2: coming from me in this current position. But here we

844
00:38:25,160 --> 00:38:26,960
Speaker 2: are exactly exactly.

845
00:38:27,160 --> 00:38:29,600
Speaker 3: But I know that's not true. You're in the perfect

846
00:38:29,640 --> 00:38:32,080
Speaker 3: position to be Okay, Well.

847
00:38:32,000 --> 00:38:35,319
Speaker 2: Thank you Bex for volunteering to share your investing journey

848
00:38:35,320 --> 00:38:37,160
Speaker 2: and what's see today. It's been very fun, it's been

849
00:38:37,280 --> 00:38:39,360
Speaker 2: very true to you, and I think that for a

850
00:38:39,440 --> 00:38:42,040
Speaker 2: lot of people, you know, it is sometimes you just

851
00:38:42,120 --> 00:38:44,520
Speaker 2: jumping in with two feet and a lot of hope

852
00:38:44,640 --> 00:38:46,040
Speaker 2: and maybe not that much idea what you're doing. And

853
00:38:46,120 --> 00:38:48,799
Speaker 2: that's okay because look at how much progress you've made

854
00:38:48,800 --> 00:38:51,080
Speaker 2: over the past year, like you've done so much, You've

855
00:38:51,120 --> 00:38:52,600
Speaker 2: come so far. I'm so proud of you.

856
00:38:52,880 --> 00:38:55,040
Speaker 3: Thank you so much, and I'm sure there are lots

857
00:38:55,040 --> 00:38:55,560
Speaker 3: of people.

858
00:38:55,360 --> 00:38:58,160
Speaker 2: Listening who are going to feel really empowered to know

859
00:38:58,280 --> 00:38:59,840
Speaker 2: that they can do it too because of you.

860
00:39:00,080 --> 00:39:01,759
Speaker 3: Oh my god, that's so sweet. Thank you, Jess. I

861
00:39:01,880 --> 00:39:04,080
Speaker 3: really like, I'm so grateful. I feel like i've I've

862
00:39:04,120 --> 00:39:06,000
Speaker 3: I've taken up a whole episode. I feel very grateful

863
00:39:06,040 --> 00:39:07,920
Speaker 3: for that. So but hopefully we can have a whole

864
00:39:08,080 --> 00:39:11,359
Speaker 3: Jess episode talking about all the same things. Pass your

865
00:39:11,400 --> 00:39:12,879
Speaker 3: new house, et cetera, et cetera.

866
00:39:13,000 --> 00:39:14,359
Speaker 2: Oh give me stick with me about a time I've

867
00:39:14,400 --> 00:39:17,440
Speaker 2: done telling about all that. Thank you everybody for tuning in,

868
00:39:17,560 --> 00:39:19,960
Speaker 2: don't forget to subscribe to you can never miss an episode.

869
00:39:20,080 --> 00:39:22,280
Speaker 2: And thank you so much to Sky Wealth as always

870
00:39:22,280 --> 00:39:24,520
Speaker 2: for making this episode possible and we will be back

871
00:39:24,560 --> 00:39:27,040
Speaker 2: without regular Money Diaries programming next.

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Speaker 3: Week by Guys By.

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Speaker 4: The advice shared on She's on the Money is general

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Speaker 4: in nature and does not consider your individual circumstances. She's

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Speaker 4: on the Money exists purely for educational purposes and should

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Speaker 4: not be relied upon to make an investment or financial decision.

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Speaker 4: If you do choose to buy a financial product, read

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Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

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Speaker 4: your needs. Victoria Divine and She's on the Money are

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Speaker 4: authorized representatives of My Honey, sherper P T y L

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Speaker 4: t D A b N three two one six four

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Speaker 4: nine two seven seven zero eight a F s L

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Speaker 4: four five one two eight nine