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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: Ask the makes personal finance fun, especially on Fridays. It's

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Speaker 2: our favorite day of the week because we get the

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Speaker 2: team together and we get to celebrate you our incredible

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Speaker 2: She's on the Money community. MS just Griccy She's here

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Speaker 2: as always sharing our favorite money wins.

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Speaker 1: MS.

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Speaker 2: Bechsay Ed is going to be sharing her broke tips

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Speaker 2: and we're going to be helping to answer a money dilemma.

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Speaker 2: Should you be topping up your super especially if you've

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Speaker 2: taken money out and something that you slid into our

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Speaker 2: DMS about how to get out of a comparison spiral

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Speaker 2: with your friends, which I feel like is so relevant,

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Speaker 2: especially at the moment. Everything is so challenging at the moment,

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Speaker 2: and then what do we do when things are challenging?

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Speaker 2: We look over the fence and we go, well, what's

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Speaker 2: Beck doing? Man? Oh, she looks like she's thriving, but

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Speaker 2: I'm so stressed. Beck stressed as well. We're stressed out here, guys.

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Speaker 2: So that's a really good one. How have your.

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Speaker 4: Week's been, I think good. Lots of birthdays galore coming up.

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Speaker 2: That it's my birthday soon, so excited. I know what happens. Yeah,

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Speaker 2: my birthday happens. Then just as birthday happens, and.

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Speaker 5: Then mine because the thirtieth of July. Yeah, we're like

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Speaker 5: yeah a month literally just yeah? Is that perfect?

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Speaker 4: Yeah? Which is fun?

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Speaker 2: I love this. A cancer Leo, No, she wouldn't be

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Speaker 2: a cancer. She doesn't fall into that because she's at

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Speaker 2: the end of July.

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Speaker 5: You as a cancer?

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Speaker 2: Yeah yeah, yeah.

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Speaker 3: Yeah.

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Speaker 2: Babies. In fact, I think most people in our office

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Speaker 2: are and it's low key terrifying. And then when we

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Speaker 2: did the like mayas Briggs Typology Indicator test and we

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Speaker 2: all have the same personality as well, and I just

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Speaker 2: don't know what that says about us. It's getting a cult,

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Speaker 2: it's getting vibes. If you aren't a Cancrian, you can't

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Speaker 2: go here. But also we're the worst. Cancerrians are the worst. Sorry,

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Speaker 2: is it okay? I'm not you can be a Leo.

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Speaker 2: It's actually dead for you. Thank you.

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Speaker 4: How's your weeking?

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Speaker 2: Really nice?

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Speaker 5: I'm really excited for tax time because I got a

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Speaker 5: feeling it's gonna be good.

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Speaker 2: But also I didn't know. I don't know.

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Speaker 5: I don't understand how anything works. But other than that,

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Speaker 5: honestly chill weak. I feel like I'm getting back into

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Speaker 5: the group of things. Like a couple of weeks ago,

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Speaker 5: I was in Brisbane, and I gotta say, like, there's

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Speaker 5: something so weird about being around people who don't know

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Speaker 5: the context of you. And because I feel like I

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Speaker 5: can be quite maybe like either really shy or really

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Speaker 5: jarring and no in between, and so I think that

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Speaker 5: it's really nice to be around people who know the

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Speaker 5: context of me again. And I'm feeling right at home

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Speaker 5: and comfy and cozy and very very cold. What about UVD.

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Speaker 2: I'm just mad about the cold. If I'm being honest,

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Speaker 2: like you would think that I would be better versed

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Speaker 2: at this and have had more experience. No from Tasmania.

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Speaker 2: It's cold. It's cold, and I would like to complain

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Speaker 2: about it and allowed to feel heard.

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Speaker 4: You're allowed that. It's something about Melbourne cold is very cold,

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Speaker 4: because I've seen a fews from people who are from

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Speaker 4: Europe where obviously snows and stuff, which we don't really get,

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Speaker 4: at least.

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Speaker 2: In I feel like we get the crap cold jets.

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Speaker 4: Well people are saying even though they're used to that

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Speaker 4: type of weather, they're still they're feeling the Melbourne.

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Speaker 2: Cold, which I was interesting, having had the privilege of travel.

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Speaker 2: When you're overseas and it's snowing, it's real dry like

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Speaker 2: it's dry cold. You can actually like wrap up and

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Speaker 2: feel like warm with your puffer on. But I feel

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Speaker 2: like I go out in my pafa and it's like

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Speaker 2: this dampness that kind of feels like it gets in

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Speaker 2: your bones. In Melbourne, it's not. It's like a humid cold.

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Speaker 2: I don't know how to explain it.

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Speaker 4: I don't know. I like it the cold to the

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Speaker 4: James Last night in bed, I was like, I'm freezing

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Speaker 4: to the bone.

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Speaker 2: But we all know Jess would have been in bed

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Speaker 2: with her two wheaty packs.

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Speaker 4: I was between them. He came to it after me.

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Speaker 4: He was cold, and he was like touching me because

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Speaker 4: I was a woman, and I was like, get away.

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Speaker 2: But when my husband gets in bed, I put my

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Speaker 2: feet on him and he's always like those feet of me,

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Speaker 2: And I'm like, but this is why I got married.

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Speaker 4: Yeah, that's the whole point.

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Speaker 2: This is a right off passage here my bed. Otherwise

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Speaker 2: you are the warm anyway, would you guys like to

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Speaker 2: hear a beautiful five star review?

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Speaker 4: Absolutely?

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Speaker 1: All right.

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Speaker 2: So this one's from Mitch and he says I would

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Speaker 2: normally fall into the He's on the Money category, but

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Speaker 2: I've been listening to She's on the Money since I

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Speaker 2: heard VD on the My Millennial Money podcast with Glennie

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Speaker 2: James about maybe the eighth of May twenty one. Very

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Speaker 2: he said, and that means it's been just over four

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Speaker 2: years now. Wow. She's on the Money is a great

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Speaker 2: place to listen, learn and understand all things money, finance,

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Speaker 2: some good life hacks, and some generally good stuff, even

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Speaker 2: some great coverage on the federal budget. Win Kemoji. I

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Speaker 2: have shared many episodes with my friends and family because

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Speaker 2: it's just great content. Thanks so much. V Jess and

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Speaker 2: Beck love the Apps. Also love the banter Son. Thank you.

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Speaker 5: Yes, seriously, there's something really really lovely about Like it's like,

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Speaker 5: and I don't know if this analogy is going to

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Speaker 5: land very well, but it's like when your parents take

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Speaker 5: on your advice. It's like, you know, historically we've been

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Speaker 5: maybe men think that they know more about money and

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Speaker 5: stuff like that, and so when when when a guy listens,

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Speaker 5: it really means so much more to me. I don't

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Speaker 5: know if it's so nice, it's really really nice, like

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Speaker 5: thank you so much, like we like Victoria really does

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Speaker 5: know her shit, like it's really too at least, and

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Speaker 5: you guys fooled, So thank you so much for listening.

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Speaker 5: You are so welcome here and we are so.

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Speaker 2: Happy to have you. She and Cheese on the Money

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Speaker 2: is in our community. That's us, that's the she on

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Speaker 2: the show. And then everybody else is welcome. Yes, they're

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Speaker 2: all friends here, and I think that that's the best part.

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Speaker 2: So I love that one because it was such a

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Speaker 2: nice review, but also it just reminds people that like

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Speaker 2: this community, everyone's welcome as long as they're a nice person.

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Speaker 2: Otherwise get out. That's so nice, Miss Jessic Richie. Have

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Speaker 2: you got some money wins or even confessions for us

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Speaker 2: this week?

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Speaker 4: You know that I do so when I start off

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Speaker 4: this week with a good one from Louise who said

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Speaker 4: money win, I stuffed up and for good to cancel

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Speaker 4: an annual subscription to a streaming service which I had

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Speaker 4: renewed a week ago. She said they're renovating and they're

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Speaker 4: on reduced internet for the next twelve months. So she

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Speaker 4: messaged them and explained the situation and said she'd love

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Speaker 4: to come back in the future if she could. The

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Speaker 4: company refunded her the full annual fee straightaway, no questions asked.

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Speaker 2: How could is that?

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Speaker 1: Also?

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Speaker 2: Donus don't get.

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Speaker 4: Exactly right now, don't get and also reminder to check

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Speaker 4: your annual subscriptions and put them in your calendar so

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Speaker 4: you know when they're coming up. Next up, I've got

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Speaker 4: a money win from m who said money win. I

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Speaker 4: needed four new tires for my car and was quoted

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Speaker 4: four hundred and eighty dollars per tire.

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Speaker 2: That so much tires costs Rubbi. They are rubber guys.

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Speaker 4: She saw an ad from My Car who were doing

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Speaker 4: a one day forty percent off into financial year sale,

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Speaker 4: so she managed to get better branded tires for two

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Speaker 4: hundred and seventy three dollars each, which meant she saved

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Speaker 4: herself a whoppy eight hundred and thirty eight dollars for

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Speaker 4: all four moneys.

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Speaker 2: I didn't know that was a thing we need, did I?

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Speaker 2: And next time I need tires, I'm going to be

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Speaker 2: looking because they're so expensive.

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Speaker 6: Yeah.

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Speaker 4: And then that's one of those things like I don't

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Speaker 4: want to spend money on it, but like I have

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Speaker 4: to spend money on it.

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Speaker 1: Yeah.

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Speaker 2: Also it's about safety, so I'm like, oh, it separates

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Speaker 2: you from the road like that.

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Speaker 5: I guess that's one hundred.

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

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Speaker 4: she had groceries delivered to her place by accident, but

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Speaker 4: the driver had left before she realized. She would have

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Speaker 4: felt so awkward wall to let them know, and they

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Speaker 4: said that the order had likely been refunded or redelivered

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Speaker 4: so she could keep them. She said she got twelve

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Speaker 4: bags of groceries.

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Speaker 2: To be what she said, it was like hitting the

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Speaker 2: jackpot would have been hitting the jackpot, and you would

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Speaker 2: have been going through and be like, oh eggs this

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Speaker 2: whoever ordered dislikes the good brand, or they bought the

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Speaker 2: Joshes Ones. It's like a blind box, but adult version

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Speaker 2: actually want the stuff inside one hundred someone went through

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Speaker 2: and curated their grocery list and then you got it.

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Speaker 4: Yeah, may that kind of love find me genuinely putting

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Speaker 4: it out into the unis. Next, I've got a money

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Speaker 4: in from Asmina, who said she bought a bed frame

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Speaker 4: from Temble and Webster and while it was in transit

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Speaker 4: to her house, she noticed that it went on sale.

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Speaker 4: She emailed them to politely ask for a refund of

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Speaker 4: the difference and they credit it to her account within

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Speaker 4: a couple of days.

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Speaker 2: Beautiful money win again, don't ask, don't get genuinely.

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Speaker 4: And then last one from me this week, I've got

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Speaker 4: from Sarah who said money in. I found ten dollars

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Speaker 4: in a pocket of an old winter jacket.

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Speaker 2: Oh it made me maybe a bit.

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Speaker 4: I'll like surprise myself for next year, like once winter's over,

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Speaker 4: just squirrel something away in a pocket with like maybe

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Speaker 4: like you're doing great, sweetie, And ten dollars and then

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Speaker 4: I'll find it.

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Speaker 2: I'm still talking to you at the time that I

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Speaker 2: found a twenty dollar note in my ski pants.

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Speaker 4: So good, so nice.

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Speaker 2: I still talk about it. I'm like that was that

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Speaker 2: was amazing, That feeling was amazing.

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Speaker 4: There's nothing better than surprise money.

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Speaker 5: And check your pockets before you take things to the

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Speaker 5: op Chop because people you can find money in those things.

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Speaker 5: So check the opshop pockets and also the pockets.

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Speaker 2: Of can you check op Chop pockets at the shop

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Speaker 2: seeing the outfit.

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Speaker 4: I've seen mixedures to keep things because you know those

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Speaker 4: stories where someone was like, oh, I bought like a

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Speaker 4: jewelry box, then you know, got at home and opened

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Speaker 4: it up and it was like your jewelry and stuff

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Speaker 4: like that.

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Speaker 2: Yeah, I just I don't know where the line is.

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Speaker 2: I just I don't know. But like, if you find

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Speaker 2: ten bucks in a pocket at the op shop but

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Speaker 2: you didn't buy the outfit, what do you do, Jess?

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Speaker 4: I'll probably give you the shop.

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Speaker 2: Of course you're so huge.

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Speaker 4: It's not I'm not out of pocket, just financially.

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Speaker 2: No, we all know Jess is better than everybody. She

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Speaker 2: doesn't know to be.

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Speaker 5: We just know she is, Yeah, you actually are.

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Speaker 2: Just what else have you got for us?

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Speaker 4: That's it for me this day?

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Speaker 2: It's alright, is your time to shine, Misspecs. You're broke

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Speaker 2: chips really quickly?

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Speaker 5: You have money when and that is obviously shot Back related.

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Speaker 2: Paying you on the side by chance, because I feel

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Speaker 2: like shot Back had been sliding into your DMS. Because

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Speaker 2: you know, my friend in a very committed relationship with them.

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Speaker 2: I wouldn't be mad, but we just need to be transparent.

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Speaker 1: You know.

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Speaker 5: I am obsessed to shop Back, so I know, but

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Speaker 5: they're not paying you. They're not they're not behaving.

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Speaker 2: And guess if you're listening to this, call me please,

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Speaker 2: I'm obsessed. But no.

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Speaker 5: Well, I was telling BD that I'm going to Thailand

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Speaker 5: and I bought hotels.

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Speaker 2: I kind of low key love it.

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Speaker 5: I bought hotels, but I did it. I was sorry,

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Speaker 5: one hotel and do through after pay. So I was like, well,

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Speaker 5: I've forced myself to go even though I haven't saved

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Speaker 5: for it. But I did through shop Back and it's

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Speaker 5: like I get like, I've got like fifty bucks back

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Speaker 5: and then they do arlo on Shopback, which is like

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Speaker 5: the e sim they do travel insurance. God, sorry, I

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Speaker 5: stop talking about shop back back.

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Speaker 2: We should try and plan like a holiday soon, yes,

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Speaker 2: so that we can like contact all of these travel

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Speaker 2: brands and be like, what a coincidence. We should work together.

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Speaker 4: If anyone like to send Team Shees and the money

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Speaker 4: on a holiday, yeah, figure it out.

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Speaker 2: For looking at you, United in virgin again.

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Speaker 4: We wouldn't hate it if somebody has to.

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Speaker 2: If someone we would be grateful.

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Speaker 5: And you know the content you will get out of us.

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Speaker 5: We'll do anything for you already work for free back

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Speaker 5: apparently exactly.

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Speaker 2: Wow.

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Speaker 5: Yeah, I really should stop mentioning them until they send

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Speaker 5: me something.

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Speaker 2: Like shop back this is a free trial.

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Speaker 5: Yeah, and honestly, just send me one chopp a chop

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Speaker 5: and I would be happy.

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Speaker 2: Is it chopp a chop in my bag? If you

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Speaker 2: want it? Coke?

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Speaker 5: Please?

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Speaker 2: What you say? Sorry, I've got a chap a champ

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Speaker 2: in my bag if you wanted. I think there's a cokequin.

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Speaker 5: Oh my god, Oh my god, oh my god. Access

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Speaker 5: so happy right now. I was so excited. That's all

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Speaker 5: I'm going to think about for the rest of you

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Speaker 5: can collect it from a bag on your except you

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Speaker 5: so much, Okay, Broke tips. This first one comes from Emma,

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Speaker 5: who said that she went to two phone companies in person.

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Speaker 5: For her, it was Optus and then she went to Telstra,

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Speaker 5: but then got home and chatted to Optus online. She

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Speaker 5: was in a nine year contract to them, so she

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Speaker 5: asked me put through to their loyalty team and basically,

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Speaker 5: long story short, they offered her ten dollars off her

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Speaker 5: plan per month. She said that she would sign up

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Speaker 5: at that exact moment if they made it tween dollars

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Speaker 5: off a month, and they did so, now you're saving

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Speaker 5: a year and didn't even have to change providers, which

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Speaker 5: I think of the.

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Speaker 2: Votophone is going to be so annoyed that we're sharing

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Speaker 2: that because people are going to slide into their DMS. Yeah,

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Speaker 2: and like that's fine, you guys get that bank and

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Speaker 2: be like but I know you did it for someone

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Speaker 2: else totally totally.

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Speaker 5: And that's the thing with like, I think phone providers

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Speaker 5: as well my mie student all the time, and I'm like,

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Speaker 5: I would not have the.

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Speaker 2: Audacity speaking engagement. Earlier this month, actually, Votaphone have their

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Speaker 2: small business summit, so I was in Sydney earlier this

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Speaker 2: month speaking for them, so voter phone. I do adore you.

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Speaker 2: I know that we've got a close relationship, but I'm

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Speaker 2: really sorry. If there is a good money win for

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Speaker 2: my community, we're gonna still share it. We're gonna share it.

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Speaker 2: Sorry about it now.

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Speaker 5: This next one comes from Ella because I see that

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Speaker 5: there's a broke tips thing on the ses of money scheduled.

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Speaker 2: It every single week. Oh my god, we're going to

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Speaker 2: be sharing broke tips and Beck gets to pour over

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Speaker 2: all of the comments and then pull the best ones. Yes,

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Speaker 2: and I want those who didn't get picked to know

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Speaker 2: that I really appreciate it. They probably will come at

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Speaker 2: some point.

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Speaker 5: Oh girl.

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Speaker 2: The community just thrives off the fact that they can

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Speaker 2: read through hundreds of comments, like whether they end up

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Speaker 2: on the pod or not.

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Speaker 5: God, it's useful.

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Speaker 2: Thank you.

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Speaker 5: So the second one comes from Ella, who says that

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Speaker 5: she's on medication that is not on PBS and it

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Speaker 5: is quite expensive. She discussed with the pharmacisty at like

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Speaker 5: the double the dose. So it's like if you have,

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Speaker 5: like it's five milligram to make it ten and then

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Speaker 5: you buy half, does that make sense?

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Speaker 2: Yeah? Absolutely. My GP actually mentioned this to Yeah the

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Speaker 2: other week. So carry on with that and then I'll

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Speaker 2: tell you about Greg.

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Speaker 1: I know.

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Speaker 5: Basically she just said, make sure you talk to your

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Speaker 5: doctor or pharmacist before you do this, because some medications

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Speaker 5: can't be hard. I guess if it's like maybe you

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Speaker 5: know those tablets is like American tablets. Yeah, like the

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Speaker 5: capsules too hard, but like those white ones, like a paracetamol,

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Speaker 5: you can split in half half, so that would save

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Speaker 5: you a little bit of money.

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Speaker 2: As if it's not absolutely does so my GP Greg

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Speaker 2: shout out to Greg. He is very impressive. And the

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Speaker 2: other day I was on the phone team because I

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Speaker 2: just a telehealth appointment and I was asking for like

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Speaker 2: a script, and he said, do you still do that

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Speaker 2: little podcast if you're soon? Said yep, do Greg? Absolutely.

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Speaker 2: He said, well, I've got a money in for you.

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Speaker 2: He's like, I have been giving you every single time

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Speaker 2: you get your scripts two months supply instead of one month.

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Speaker 2: And I was like, oh, I just thought that they're

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Speaker 2: like I didn't question it. I just thought that the

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Speaker 2: chemist had been like taping two boxes together for me

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Speaker 2: and just like giving it to me. But he's like, no, Victoria,

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Speaker 2: that was me. I've been giving you a two month

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Speaker 2: supply every time you go and pick it up because

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Speaker 2: it's cheaper. So if you tell your community to ask

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Speaker 2: your GP to give you a two month supply instead

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Speaker 2: of a one month supply, it will be less. And

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Speaker 2: I was like, oh, that's a really good one. And

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Speaker 2: he said, also if you take any over the counter medication,

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Speaker 2: So if you're going to the pharmacy and asking for

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Speaker 2: like creams or medications that are just behind the counter

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Speaker 2: but you don't need a script for he said, sometimes

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Speaker 2: if you ask your GP for a script for it,

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Speaker 2: it then falls onto the PBS and you get it cheaper. Oh,

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Speaker 2: so shout out to Greg.

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Speaker 4: I love Greg.

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Speaker 2: We love Greg the Little podcast last Greg. I've been

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Speaker 2: my GP for like ten years and like he's the best.

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Speaker 5: He sounds sweet, my god, this is so.

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Speaker 2: And also sorry. He takes every single concern I've ever

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Speaker 2: had very seriously. Oh that's good. Anytime I'm like, oh,

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Speaker 2: I don't like this, He's like, we'll get to the

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Speaker 2: bottom of it. Victoria, that's what we want to hear,

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Speaker 2: that's what that's what we want. Don't be dismissive anyway,

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Speaker 2: be more like Greg. What else if you got more

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Speaker 2: like Greg?

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Speaker 5: And then my broke tip. I don't use chat GPT.

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Speaker 5: I want to preface I don't use it. I don't

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Speaker 5: you know, there's some things that I anyway, I don't

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Speaker 5: love it. But anyway, apparently if you use chat GPT,

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00:16:43,200 --> 00:16:47,840
Speaker 5: you can ask it to get you, like find you

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Speaker 5: discount code. Absolutely can a specific website or like maybe

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00:16:51,920 --> 00:16:53,800
Speaker 5: just in general. I'm not really sure you can ask

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00:16:53,800 --> 00:16:56,320
Speaker 5: it for anything then anything. So if you're like, I

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00:16:56,400 --> 00:16:59,960
Speaker 5: really want this lamb from Ventin and Venton, please find

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00:16:59,960 --> 00:17:00,880
Speaker 5: me a discount code.

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Speaker 2: You can also say when do you think their next

390
00:17:02,760 --> 00:17:04,440
Speaker 2: sale is going to be? And I could say, well,

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00:17:04,480 --> 00:17:07,320
Speaker 2: actually their last sale was here, and last year in

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00:17:07,359 --> 00:17:09,600
Speaker 2: October they went on sale for up to forty percent off,

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Speaker 2: so you might want to hold off. Victoria. Oh my god,

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Speaker 2: wild Yes, so much smarter than I'll ever be. Whoa,

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Speaker 2: that is really cool. It's low key terrifying, I know, but.

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Speaker 5: Also like really cool. Anyway, Maybe I will ask about

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Speaker 5: Fenton and Fenter later, but anyway, so that is my

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Speaker 5: broke tip for this week.

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Speaker 2: I love that. All right, Well, I think that that's

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Speaker 2: where we're going to put a pin in it. We're

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Speaker 2: going to go to a break because on the flip side.

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Speaker 2: We're going to be talking about whether you should be

403
00:17:35,920 --> 00:17:38,600
Speaker 2: topping up your superannuation because a lot of you in

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00:17:38,640 --> 00:17:41,680
Speaker 2: the community during COVID took some money out and something

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Speaker 2: that you just lead into our DMS about. We're chatting

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Speaker 2: about how to get out of that comparison spiral with

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Speaker 2: your friends, which I think is going to be really relatable.

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00:17:48,800 --> 00:17:56,000
Speaker 2: So guys, don't go anywhere. Welcome back, everybody. Let's take

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Speaker 2: a listen to this week's money dilemma.

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Speaker 3: Hi, there, have you got a money dilemma you just

411
00:18:02,880 --> 00:18:05,400
Speaker 3: can't solve that. She's on the Money Team is here

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00:18:05,440 --> 00:18:05,840
Speaker 3: to help.

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Speaker 2: Every week we tackle your dilemmas, both big and small,

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Speaker 2: to answer your most burning money, career and life questions.

415
00:18:12,520 --> 00:18:15,040
Speaker 2: To get involved, simply head to our website and leave

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00:18:15,080 --> 00:18:17,240
Speaker 2: us a short voice recording and you might just find

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Speaker 2: yourself on the show. Now, let's take a listen to

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Speaker 2: this week's money dilemma.

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Speaker 6: Hello, She's on the Money Team. I'm just reaching out

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Speaker 6: because I have a money dilemma that I would love

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Speaker 6: some advice on. So through COVID, I did take advantage

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00:18:32,080 --> 00:18:34,959
Speaker 6: of the twenty thousand dollars that you could take, and

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Speaker 6: I did use it to pay off all of my

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Speaker 6: car loan, which I don't regret because it has put

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Speaker 6: me in a much better financial precision even to this day.

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Speaker 6: I guess my question is is that I am coming

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Speaker 6: into a large amoun of money early next year and

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Speaker 6: I'm not sure if I should be putting that twenty

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Speaker 6: thousand dollars back into SUPER or if I should be

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Speaker 6: putting it elsewhere.

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Speaker 2: A little background is.

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Speaker 6: I do vest with shares is and also raise. I

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Speaker 6: do have a healthy emergency fund and I'm almost finished

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Speaker 6: with my house deposit, but that payout will support that,

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Speaker 6: and also putting twenty thousand in SUPER if that's the

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00:19:14,119 --> 00:19:17,440
Speaker 6: right thing to do. I would really love some advice

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00:19:17,600 --> 00:19:20,600
Speaker 6: to see what your opinions are with what I should

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Speaker 6: do with that or if I should be redeploying it elsewhere.

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Speaker 6: I really appreciate you listening to this, and I can't

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00:19:27,720 --> 00:19:29,520
Speaker 6: wait to hear your feedback. Thank you so much.

441
00:19:29,640 --> 00:19:33,639
Speaker 2: By Oh you sound so kind. Yeah, what do you guys? Reckon?

442
00:19:36,080 --> 00:19:38,200
Speaker 2: I used to work for a SUPER company.

443
00:19:38,200 --> 00:19:43,000
Speaker 5: Come on back, I know, well, I think you should.

444
00:19:43,640 --> 00:19:45,040
Speaker 2: Well, this is what I would do.

445
00:19:45,800 --> 00:19:49,320
Speaker 5: I would put it back in SUPER as a personal

446
00:19:49,320 --> 00:19:53,959
Speaker 5: contribution that is a after tax contribution and then claim

447
00:19:54,040 --> 00:19:58,000
Speaker 5: that back on tax and then maybe you get some

448
00:19:58,440 --> 00:19:59,960
Speaker 5: of that back and then you can do whatever.

449
00:20:00,240 --> 00:20:04,120
Speaker 2: You get fifteen percent back because most people in our

450
00:20:04,240 --> 00:20:07,560
Speaker 2: community are on a marginal tax bracket of about thirty percent.

451
00:20:08,040 --> 00:20:11,560
Speaker 2: And if you're not capping out your contributions, which is

452
00:20:11,640 --> 00:20:16,199
Speaker 2: at thirty thousand dollars, the superanuation environment's tax rate is

453
00:20:16,240 --> 00:20:19,280
Speaker 2: fifteen percent, so come tax time, she would get fifteen

454
00:20:19,320 --> 00:20:20,240
Speaker 2: percent tax back.

455
00:20:20,760 --> 00:20:24,040
Speaker 5: True, but there is a there is a personal contribution.

456
00:20:25,280 --> 00:20:28,760
Speaker 5: I think there's a there's a tax specifically the amount

457
00:20:28,800 --> 00:20:30,000
Speaker 5: that you can claim back on tax.

458
00:20:30,040 --> 00:20:32,240
Speaker 2: I think up to thirty thousand dollars up to three

459
00:20:32,240 --> 00:20:33,040
Speaker 2: thousand on tax.

460
00:20:33,359 --> 00:20:34,040
Speaker 5: Okay, there you go.

461
00:20:34,320 --> 00:20:38,320
Speaker 2: That's the cap. So anything above and beyond that becomes marginal,

462
00:20:38,800 --> 00:20:41,280
Speaker 2: like defaults back to marginal tax bracket. You don't get

463
00:20:41,320 --> 00:20:42,520
Speaker 2: to percent tax rate.

464
00:20:42,880 --> 00:20:45,159
Speaker 5: So I mean, that's what I if I had the

465
00:20:45,160 --> 00:20:47,080
Speaker 5: money too, But I was given that kind of money

466
00:20:47,160 --> 00:20:49,800
Speaker 5: right now, it would not be going into super I would.

467
00:20:49,560 --> 00:20:50,680
Speaker 2: Be spending it on Thailand.

468
00:20:51,560 --> 00:20:54,960
Speaker 5: Absolute absolutely, But yeah, if I was in a good place,

469
00:20:55,000 --> 00:20:55,800
Speaker 5: maybe I would do that.

470
00:20:55,840 --> 00:20:59,480
Speaker 2: Thailand has the best food. I can't wait for you honestly,

471
00:21:00,000 --> 00:21:03,800
Speaker 2: Island is one of the most underrated travel locations. I reckon, Yeah, okay,

472
00:21:04,080 --> 00:21:07,320
Speaker 2: so well priced, like I would say, so cheap, so

473
00:21:07,480 --> 00:21:11,600
Speaker 2: cultural that the people are so friendly, like I've been before.

474
00:21:11,680 --> 00:21:13,880
Speaker 2: I adaughed it. I can't wait anyway. Side note, I'm

475
00:21:13,920 --> 00:21:16,320
Speaker 2: so excited, Jess, what would you do about the super question?

476
00:21:17,000 --> 00:21:17,960
Speaker 2: Have you been to Thailand?

477
00:21:18,320 --> 00:21:19,159
Speaker 4: I haven't been to Thailand.

478
00:21:19,200 --> 00:21:20,680
Speaker 2: I've just got to go to day Land.

479
00:21:20,960 --> 00:21:22,840
Speaker 5: So that, like said super question, is it's super question?

480
00:21:23,119 --> 00:21:24,920
Speaker 5: Super question sounds exactly the same.

481
00:21:26,880 --> 00:21:28,960
Speaker 4: I would say, twenty thousand dollars is a really significant

482
00:21:28,960 --> 00:21:31,159
Speaker 4: amount to take out of your super not knowing how

483
00:21:31,240 --> 00:21:33,480
Speaker 4: much you have invested. The only way that I would

484
00:21:33,520 --> 00:21:37,600
Speaker 4: say it's balance is if you've invested twenty thousand dollars

485
00:21:37,600 --> 00:21:40,400
Speaker 4: and you intend to not touch that until retirement. If

486
00:21:40,400 --> 00:21:43,040
Speaker 4: you haven't done that, I would say I personally would

487
00:21:43,040 --> 00:21:45,320
Speaker 4: be looking to put the money back in because taking

488
00:21:45,320 --> 00:21:48,560
Speaker 4: twenty thousand dollars out, especially during COVID, which is now

489
00:21:48,760 --> 00:21:51,719
Speaker 4: four or five years ago, like you're you've already already

490
00:21:52,040 --> 00:21:54,880
Speaker 4: a lot of time compounding, and so I would really

491
00:21:54,880 --> 00:21:58,959
Speaker 4: be prioritizing paying that money back as a matter of urgency. Personally,

492
00:21:59,560 --> 00:22:02,919
Speaker 4: you can and elect to invest it outside of Super instead,

493
00:22:02,960 --> 00:22:05,040
Speaker 4: but as Beck said, there's obviously the tax benefits of

494
00:22:05,040 --> 00:22:07,639
Speaker 4: putting it back in. I also just think it's nice

495
00:22:08,240 --> 00:22:10,480
Speaker 4: that you can't touch it. I think we're all sometimes

496
00:22:10,520 --> 00:22:12,440
Speaker 4: a little bit tempted to dig into money we've got

497
00:22:12,440 --> 00:22:14,760
Speaker 4: put aside, whereas obviously once you put it into super,

498
00:22:14,800 --> 00:22:17,679
Speaker 4: you're not getting it back out. So I would be

499
00:22:17,720 --> 00:22:20,000
Speaker 4: making it a priority personally. I would say, if you

500
00:22:20,040 --> 00:22:22,880
Speaker 4: haven't listened, we did an episode during COVID. It would

501
00:22:22,880 --> 00:22:25,160
Speaker 4: have been twenty twenty one, twenty twenty.

502
00:22:25,160 --> 00:22:27,760
Speaker 2: It was so long ago, it was really old now, Jeff.

503
00:22:28,080 --> 00:22:31,399
Speaker 4: But it was specifically about how to catch your super

504
00:22:31,440 --> 00:22:33,080
Speaker 4: backup if you took money out.

505
00:22:33,200 --> 00:22:35,159
Speaker 2: Yeah, that's actually still all vvery.

506
00:22:35,160 --> 00:22:37,600
Speaker 4: Which I think would probably be pertinent to our listeners,

507
00:22:37,600 --> 00:22:40,240
Speaker 4: specifically to explain a bit more why you might want

508
00:22:40,240 --> 00:22:41,080
Speaker 4: to prioritize it.

509
00:22:41,200 --> 00:22:43,720
Speaker 2: Yeah, I can't give you personal advice, but I would

510
00:22:43,760 --> 00:22:46,879
Speaker 2: be looking at what your supervalance is right now. And

511
00:22:47,000 --> 00:22:49,920
Speaker 2: if you took twenty thousand out, but you didn't mention

512
00:22:50,040 --> 00:22:53,000
Speaker 2: anything about you know, I always make contributions or whatever.

513
00:22:53,359 --> 00:22:56,159
Speaker 2: I'm assuming that you're behind for your age, so like,

514
00:22:56,520 --> 00:22:59,960
Speaker 2: that's not an ideal situation to be in, and it's

515
00:23:00,040 --> 00:23:02,560
Speaker 2: something that I would be trying to remedy, whether that

516
00:23:02,760 --> 00:23:06,280
Speaker 2: is making a lump sum contribution now or going okay,

517
00:23:06,280 --> 00:23:08,520
Speaker 2: well I've got this twenty thousand and like maybe for

518
00:23:08,600 --> 00:23:10,400
Speaker 2: some reason you don't feel like you want to put

519
00:23:10,400 --> 00:23:11,919
Speaker 2: it in super and you want to invest it in

520
00:23:11,920 --> 00:23:15,119
Speaker 2: sharesse like go off, But like, let's make a plan

521
00:23:15,200 --> 00:23:18,199
Speaker 2: that maybe you're contributing additional so that you make that

522
00:23:18,280 --> 00:23:21,199
Speaker 2: money back up. Because women were already behind when it

523
00:23:21,240 --> 00:23:23,840
Speaker 2: comes to super. We are already retiring with lesser money

524
00:23:23,840 --> 00:23:26,360
Speaker 2: than men. We are already not in the best possible

525
00:23:26,400 --> 00:23:29,000
Speaker 2: financial position, and when we're young, we just don't take

526
00:23:29,000 --> 00:23:31,320
Speaker 2: how super seriously And just that's why we recorded that

527
00:23:31,359 --> 00:23:33,960
Speaker 2: episode of like What to Do If You took money out,

528
00:23:34,000 --> 00:23:37,040
Speaker 2: because it was so damn tempting, totally, Like if the

529
00:23:37,040 --> 00:23:39,280
Speaker 2: government's like, hey, do you want to access ten grand

530
00:23:39,280 --> 00:23:41,760
Speaker 2: of your super or twenty grand of your super? A

531
00:23:41,800 --> 00:23:43,679
Speaker 2: lot of us were like, yeah, I don't want to

532
00:23:43,720 --> 00:23:45,840
Speaker 2: have personal debt, I don't want to have my loan.

533
00:23:45,880 --> 00:23:48,760
Speaker 2: I don't want to do these things. And you know what, financially,

534
00:23:49,240 --> 00:23:52,119
Speaker 2: for a lot of us taking money out of superannuation

535
00:23:52,640 --> 00:23:55,240
Speaker 2: and paying off a personal debt that had a high

536
00:23:55,320 --> 00:23:58,560
Speaker 2: interest rate was actually not the worst idea. The thing

537
00:23:58,640 --> 00:24:02,320
Speaker 2: we did a disservice to ourselves on was not upping

538
00:24:02,320 --> 00:24:05,520
Speaker 2: our contributions after to make back the money. And I

539
00:24:06,119 --> 00:24:08,400
Speaker 2: know a few people in our community were like, hey, hey, hey,

540
00:24:08,520 --> 00:24:10,479
Speaker 2: this feels like a money hack. I'm gonna take the

541
00:24:10,480 --> 00:24:14,000
Speaker 2: twenty grand, but I'm gonna up my contributions through my

542
00:24:14,080 --> 00:24:17,320
Speaker 2: workplace so it'll be back in my super account in

543
00:24:17,400 --> 00:24:20,320
Speaker 2: like three years. But I also can pay down some debts.

544
00:24:20,359 --> 00:24:23,000
Speaker 2: So like they did the maths and realized that's actually

545
00:24:23,000 --> 00:24:25,480
Speaker 2: a really good financial play. But I think a lot

546
00:24:25,480 --> 00:24:28,919
Speaker 2: of us just were like, free money, fantastic, and we

547
00:24:28,960 --> 00:24:31,720
Speaker 2: didn't think about the broader implications or what that might

548
00:24:31,840 --> 00:24:34,399
Speaker 2: mean for us in retirement. And like it's not sexy

549
00:24:34,440 --> 00:24:36,600
Speaker 2: to talk about retirement, Like how many of us want

550
00:24:36,640 --> 00:24:38,920
Speaker 2: to see Like I'm sorry, beck, you and I want

551
00:24:38,960 --> 00:24:41,600
Speaker 2: to talk about like the unhinged money hacks from TikTok.

552
00:24:42,160 --> 00:24:44,240
Speaker 2: That's where our brains are at right now. So like

553
00:24:44,280 --> 00:24:48,000
Speaker 2: talking about retirement, she's boring, she's not exciting, but like

554
00:24:48,080 --> 00:24:51,159
Speaker 2: that's future us and she deserves the best possible future

555
00:24:51,200 --> 00:24:54,800
Speaker 2: as well. So let's make sure that. Firstly, let's look

556
00:24:54,840 --> 00:24:58,680
Speaker 2: at your super Are you behind unfortunately because you said

557
00:24:58,720 --> 00:25:01,080
Speaker 2: you didn't make additional contribution and you did take cash out,

558
00:25:01,080 --> 00:25:03,159
Speaker 2: I'm going to assume that you're probably behind for your age.

559
00:25:03,280 --> 00:25:05,040
Speaker 2: How do we get back to where we need to be?

560
00:25:05,520 --> 00:25:08,120
Speaker 2: Maybe that lump some contribution is a very sexy way

561
00:25:08,160 --> 00:25:10,760
Speaker 2: of doing it. You are going to get some tax

562
00:25:10,800 --> 00:25:13,880
Speaker 2: back come tax time, which is nice, but what does

563
00:25:13,880 --> 00:25:15,560
Speaker 2: that actually look like for you? So maybe do some

564
00:25:15,640 --> 00:25:18,320
Speaker 2: numbers work out what you want to do, or maybe

565
00:25:18,359 --> 00:25:20,919
Speaker 2: not the twenty thousand, Maybe you do all right, I

566
00:25:20,920 --> 00:25:23,240
Speaker 2: want to invest fifteen thousand on charesies because I want

567
00:25:23,240 --> 00:25:25,360
Speaker 2: more direct access to it. I'm going to chuck five

568
00:25:25,440 --> 00:25:27,879
Speaker 2: grand in and I'm going to set up an automatic

569
00:25:27,920 --> 00:25:30,840
Speaker 2: contribution with my workplace so that over the next two

570
00:25:30,880 --> 00:25:33,000
Speaker 2: years it gets made back up and I'm never going

571
00:25:33,080 --> 00:25:35,280
Speaker 2: to be behind again. Yeah, there can be a plan.

572
00:25:35,320 --> 00:25:37,240
Speaker 2: It doesn't have to be a lump some contribution.

573
00:25:37,440 --> 00:25:39,440
Speaker 4: Yes, you're going to be inheritance. It might be worth

574
00:25:39,480 --> 00:25:42,240
Speaker 4: just getting some advice where someone can one hundred percent

575
00:25:42,520 --> 00:25:44,639
Speaker 4: everything and one hundred percent And I think that the

576
00:25:44,680 --> 00:25:48,480
Speaker 4: inheritance is such a fickle conversation because sometimes you go

577
00:25:48,880 --> 00:25:50,719
Speaker 4: and like, I'm not saying that this is true at all,

578
00:25:50,760 --> 00:25:53,480
Speaker 4: but sometimes people go, oh, it's only one hundred thousand dollars,

579
00:25:53,640 --> 00:25:56,480
Speaker 4: because that's a whole heap of money, right, But for

580
00:25:56,560 --> 00:25:58,720
Speaker 4: a lot of people, they go, well, that's a house deposit.

581
00:25:58,800 --> 00:26:00,719
Speaker 2: I'm just going to use it for that. Or they

582
00:26:00,760 --> 00:26:03,480
Speaker 2: might go, oh, well that's not enough to change our life.

583
00:26:03,480 --> 00:26:05,080
Speaker 2: Like it's a life changing amount of money for a

584
00:26:05,119 --> 00:26:07,159
Speaker 2: lot of people, but for some people who already have

585
00:26:07,240 --> 00:26:09,639
Speaker 2: full time careers and maybe they've already got their mortgage,

586
00:26:09,880 --> 00:26:12,639
Speaker 2: it's not such a life changing amount that like it

587
00:26:12,800 --> 00:26:16,280
Speaker 2: changes their lifestyles. Yeah, their mortgage might go down by

588
00:26:16,280 --> 00:26:18,840
Speaker 2: one hundred grand, but like they don't see it as

589
00:26:18,840 --> 00:26:21,479
Speaker 2: a priority to seek advice on that money. But like

590
00:26:21,760 --> 00:26:25,800
Speaker 2: that could be the start of kicking off financial freedom. Yes,

591
00:26:25,840 --> 00:26:27,880
Speaker 2: you could put it on your mortgage, or we could

592
00:26:27,920 --> 00:26:30,120
Speaker 2: spend a little bit, get some advice and put ourselves

593
00:26:30,119 --> 00:26:33,080
Speaker 2: in the best possible position. Like let's just see it

594
00:26:33,080 --> 00:26:33,960
Speaker 2: as an opportunity.

595
00:26:34,240 --> 00:26:34,680
Speaker 4: Totally.

596
00:26:35,000 --> 00:26:38,199
Speaker 2: Yeah, weird little excited to this one. Do you know what,

597
00:26:38,240 --> 00:26:40,840
Speaker 2: I'm not excited. I think I'm still just a bit

598
00:26:40,880 --> 00:26:43,080
Speaker 2: disheartened because I feel like a lot of us are

599
00:26:43,160 --> 00:26:46,040
Speaker 2: going through this at the moment where we're like doing

600
00:26:46,080 --> 00:26:49,439
Speaker 2: the analysis paralysis or comparing ourselves to each other, and like,

601
00:26:49,680 --> 00:26:52,280
Speaker 2: I'm victim to this all the time. I'm not just

602
00:26:52,359 --> 00:26:55,600
Speaker 2: comparing myself to my friends. I'm comparing myself to random

603
00:26:55,640 --> 00:26:57,879
Speaker 2: people that I see on TikTok that I'm like, Yeah,

604
00:26:57,880 --> 00:26:59,639
Speaker 2: what do you mean. She's a mum and has the

605
00:26:59,680 --> 00:27:03,000
Speaker 2: same age kid is me, and I'm not doing xyz.

606
00:27:03,359 --> 00:27:07,800
Speaker 2: It's delusional. So someone wrote into she's on the money, Hi,

607
00:27:07,920 --> 00:27:10,440
Speaker 2: She's on the money. I recently hit what I thought

608
00:27:10,520 --> 00:27:13,040
Speaker 2: was a huge milestone. I landed a new job and

609
00:27:13,080 --> 00:27:16,080
Speaker 2: I finally cracked six figures for the first time. I

610
00:27:16,119 --> 00:27:19,399
Speaker 2: was feeling pretty great and so happy for the extra income.

611
00:27:19,480 --> 00:27:22,560
Speaker 2: See that's good. That was until I caught up with

612
00:27:22,600 --> 00:27:24,720
Speaker 2: a friend who just got a new job and she

613
00:27:24,840 --> 00:27:27,800
Speaker 2: told me that she's earning more than two hundred thousand dollars.

614
00:27:28,240 --> 00:27:30,040
Speaker 2: She's much younger than me, and she didn't even go

615
00:27:30,080 --> 00:27:32,439
Speaker 2: to university. She just worked her way up in a

616
00:27:32,440 --> 00:27:35,879
Speaker 2: good company. She's absolutely killing it, and I am really

617
00:27:35,920 --> 00:27:39,000
Speaker 2: happy for her. But I'd be lying if I said,

618
00:27:39,119 --> 00:27:42,600
Speaker 2: it didn't make me feel like my salary now isn't enough. Now,

619
00:27:42,760 --> 00:27:44,919
Speaker 2: even though I like my job and I worked so

620
00:27:45,200 --> 00:27:47,920
Speaker 2: hard to get here, I can't stop feeling like I'm

621
00:27:47,960 --> 00:27:51,920
Speaker 2: not earning enough money. I've started looking at other roles constantly,

622
00:27:52,119 --> 00:27:54,600
Speaker 2: even though I don't actually want to leave my business.

623
00:27:55,080 --> 00:27:57,200
Speaker 2: I just feel like there is no way I could

624
00:27:57,240 --> 00:27:59,679
Speaker 2: ever earn that much, and it's starting to really affect

625
00:27:59,720 --> 00:28:02,840
Speaker 2: myself worth. I don't know how to change this money mindset.

626
00:28:02,880 --> 00:28:05,840
Speaker 2: What would you guys do? So I want to hurt

627
00:28:05,960 --> 00:28:09,840
Speaker 2: your money doesn't define you for your self worth. I

628
00:28:09,880 --> 00:28:11,639
Speaker 2: don't know, Like I just want to jump up and

629
00:28:11,680 --> 00:28:13,919
Speaker 2: down and be like, your self worth is not connected

630
00:28:14,040 --> 00:28:15,639
Speaker 2: to how much money you earned.

631
00:28:15,760 --> 00:28:16,520
Speaker 4: Yeah, not at all.

632
00:28:16,600 --> 00:28:18,440
Speaker 2: Do you know how many people I've met who were rich,

633
00:28:18,480 --> 00:28:21,600
Speaker 2: who I think are absolutely awful people, and people who

634
00:28:21,640 --> 00:28:23,479
Speaker 2: don't earn that much that I'm like, you are the

635
00:28:23,520 --> 00:28:25,000
Speaker 2: best human in the entire world.

636
00:28:25,200 --> 00:28:25,440
Speaker 5: Yeah.

637
00:28:25,920 --> 00:28:28,960
Speaker 2: Oh, anyway, you guys have the floor because like this

638
00:28:29,040 --> 00:28:30,960
Speaker 2: one just gets me, maybe because I can relate.

639
00:28:31,320 --> 00:28:32,120
Speaker 5: Yeah, I get it.

640
00:28:32,840 --> 00:28:36,120
Speaker 4: Yeah, I think that it's I want to validate your feelings,

641
00:28:36,119 --> 00:28:39,840
Speaker 4: like it's totally understandable. And as Victoria said, like it's

642
00:28:39,840 --> 00:28:42,280
Speaker 4: something I think a lot of his experienced it's really hard,

643
00:28:42,800 --> 00:28:45,520
Speaker 4: especially like for me personally, like cost of living is

644
00:28:45,520 --> 00:28:47,880
Speaker 4: something that's so hard. So I can see how even

645
00:28:47,880 --> 00:28:50,440
Speaker 4: when you achieve something, it really feels like you're swinging

646
00:28:50,560 --> 00:28:54,040
Speaker 4: up hill and then seeing other people around you. You know,

647
00:28:54,120 --> 00:28:56,200
Speaker 4: you said that she didn't go to UNI. You did,

648
00:28:56,280 --> 00:28:59,000
Speaker 4: so that you know, maybe makes you feel like you

649
00:28:59,120 --> 00:29:01,120
Speaker 4: to your question the choices, perhaps that you made all

650
00:29:01,120 --> 00:29:03,160
Speaker 4: the things that you've done. So I totally get how

651
00:29:03,160 --> 00:29:05,160
Speaker 4: you're feeling, and I want to just say that that's

652
00:29:05,200 --> 00:29:08,280
Speaker 4: okay and that's normal. I think what you need to

653
00:29:08,280 --> 00:29:10,240
Speaker 4: do is step back and go back to where you

654
00:29:10,280 --> 00:29:12,400
Speaker 4: were before you spoke to her, and you said to us,

655
00:29:12,720 --> 00:29:15,080
Speaker 4: I've wanted to hit six figures for a really long time,

656
00:29:15,160 --> 00:29:19,240
Speaker 4: Like I was so excited and you yeah, away, yeah,

657
00:29:19,280 --> 00:29:21,720
Speaker 4: like that's amazing. And you know, on the flip side,

658
00:29:21,720 --> 00:29:24,240
Speaker 4: I'm sure your friend was equally as excited to share

659
00:29:24,240 --> 00:29:27,080
Speaker 4: that with you, and she probably didn't consider that, you know,

660
00:29:27,200 --> 00:29:29,360
Speaker 4: by doing so, you feel it would make you feel

661
00:29:29,360 --> 00:29:33,600
Speaker 4: that way exactly. But I think, looking maybe at where

662
00:29:33,720 --> 00:29:35,960
Speaker 4: you've come from, what I try and do when I'm

663
00:29:36,080 --> 00:29:39,320
Speaker 4: feeling really down, on myself for you know, my progress

664
00:29:39,400 --> 00:29:40,600
Speaker 4: or you know, you guys know I've been saying for

665
00:29:40,680 --> 00:29:42,560
Speaker 4: like five years, I'm gonna buy house. This is how

666
00:29:42,600 --> 00:29:45,160
Speaker 4: many years have I said this is the YU and

667
00:29:45,200 --> 00:29:48,880
Speaker 4: it hasn't been, you know. And anytime I'm manifesting for you,

668
00:29:48,960 --> 00:29:52,560
Speaker 4: we're manifesting hard. But anytime that I'm really struggling with that,

669
00:29:52,640 --> 00:29:54,280
Speaker 4: I try and look at where I've come from. So

670
00:29:54,400 --> 00:29:57,080
Speaker 4: for me, if I go back six years, I had

671
00:29:57,080 --> 00:30:00,000
Speaker 4: credit card debt, I had zero savings. You know, now I've.

672
00:29:59,800 --> 00:30:01,200
Speaker 2: Got even though you don't have a house, you are

673
00:30:01,240 --> 00:30:03,239
Speaker 2: sitting on so much cash right now, like you are

674
00:30:03,320 --> 00:30:03,720
Speaker 2: killing it.

675
00:30:03,880 --> 00:30:06,560
Speaker 4: Saved a house supposit, I have an emergency fund. You know.

676
00:30:06,680 --> 00:30:08,600
Speaker 4: I've been able to do all these incredible things in

677
00:30:08,640 --> 00:30:11,480
Speaker 4: my career. So it sounds like our listener has done

678
00:30:11,520 --> 00:30:13,480
Speaker 4: the same thing. Like you've got a pay rise, you've

679
00:30:13,520 --> 00:30:15,240
Speaker 4: stated a company, you've got a job.

680
00:30:15,320 --> 00:30:17,760
Speaker 2: I remember, really hit six figures like it is a

681
00:30:17,800 --> 00:30:21,160
Speaker 2: big moment, Like it's really that's not little exactly.

682
00:30:21,280 --> 00:30:23,720
Speaker 4: And so I think, rather than look at what other

683
00:30:23,760 --> 00:30:27,160
Speaker 4: people are doing, sometimes looking back at where you've come from,

684
00:30:27,240 --> 00:30:30,080
Speaker 4: you can forget because we're always striving so hard.

685
00:30:30,080 --> 00:30:30,920
Speaker 2: To move forward.

686
00:30:31,200 --> 00:30:33,800
Speaker 4: We're always, you know, thinking about the next thing, and

687
00:30:33,840 --> 00:30:35,960
Speaker 4: we're also all trying to just keep our heads above water.

688
00:30:36,160 --> 00:30:38,280
Speaker 4: I think in this economy as well, so it can

689
00:30:38,320 --> 00:30:40,920
Speaker 4: be really easy to lose perspective on where you've come from.

690
00:30:41,240 --> 00:30:43,680
Speaker 4: So I think, honestly, like, go back, look at your

691
00:30:43,680 --> 00:30:46,600
Speaker 4: bank account from five years ago and see how far

692
00:30:46,680 --> 00:30:49,160
Speaker 4: you've come. Look at your position, Look at the job

693
00:30:49,200 --> 00:30:51,600
Speaker 4: that you had, maybe you hated it, maybe you know

694
00:30:51,680 --> 00:30:53,200
Speaker 4: you didn't like the team that you're in, or maybe

695
00:30:53,240 --> 00:30:55,479
Speaker 4: you were earning half of what you're earning now or whatever.

696
00:30:55,520 --> 00:30:58,400
Speaker 4: That looks like, I promise you, like I would bet

697
00:30:58,440 --> 00:31:02,280
Speaker 4: my house supposit you've made proud per and so I think.

698
00:31:02,120 --> 00:31:05,240
Speaker 2: You need to get your house deposit hard on that.

699
00:31:09,040 --> 00:31:11,280
Speaker 4: But you know, I think, go back and recognize all

700
00:31:11,280 --> 00:31:13,520
Speaker 4: the hard work that you've done, because that's so exciting.

701
00:31:13,680 --> 00:31:16,680
Speaker 4: And just because other people are achieving what maybe feels

702
00:31:16,680 --> 00:31:18,880
Speaker 4: like bigger or better things, doesn't mean that the progress

703
00:31:18,960 --> 00:31:21,920
Speaker 4: you've made is any less incredible or exciting.

704
00:31:22,040 --> 00:31:25,080
Speaker 2: To be put off totally, What you're not seeing is

705
00:31:25,080 --> 00:31:27,240
Speaker 2: that maybe you will get to that stage at some

706
00:31:27,320 --> 00:31:29,640
Speaker 2: point and you will earn two hundred grand, and maybe

707
00:31:29,640 --> 00:31:33,000
Speaker 2: we haven't comprehended that that's the cap of your friend's career. Yeah,

708
00:31:33,040 --> 00:31:35,080
Speaker 2: like maybe they've tapped out. And I'm not saying that

709
00:31:35,080 --> 00:31:37,800
Speaker 2: that's reality, because you know, we do a lot of

710
00:31:37,840 --> 00:31:40,720
Speaker 2: money diaries on this show, and you know, a couple

711
00:31:40,760 --> 00:31:43,120
Speaker 2: of months ago, we had somebody on the show who

712
00:31:43,440 --> 00:31:45,400
Speaker 2: worked in tech and like she was earning like half

713
00:31:45,400 --> 00:31:47,280
Speaker 2: a million dollars and had stocks and had all of

714
00:31:47,280 --> 00:31:49,680
Speaker 2: this stuff and hadn't done Unie right, and she's just

715
00:31:49,760 --> 00:31:53,120
Speaker 2: in this industry. I don't think that that means that

716
00:31:53,160 --> 00:31:55,360
Speaker 2: her friends that are earning less than her are less

717
00:31:55,400 --> 00:31:58,040
Speaker 2: than Like I can almost guarantee that your friend told

718
00:31:58,080 --> 00:31:59,760
Speaker 2: you because she was like, oh my god, Yess, I

719
00:31:59,840 --> 00:32:01,520
Speaker 2: really want to tell you this because I'm so proud

720
00:32:01,560 --> 00:32:03,040
Speaker 2: of myself, and I think you're going to be proud

721
00:32:03,040 --> 00:32:06,440
Speaker 2: of me too. Like you don't tell people things because

722
00:32:06,440 --> 00:32:07,640
Speaker 2: you go do you know what I'm going to tell

723
00:32:07,720 --> 00:32:10,280
Speaker 2: Jess I earn more than her because that'll make her

724
00:32:10,280 --> 00:32:13,320
Speaker 2: feel like trash. Yeah, no one does that. And so

725
00:32:13,400 --> 00:32:15,960
Speaker 2: your friend went into that with the best of intentions

726
00:32:16,000 --> 00:32:19,800
Speaker 2: to arguably celebrate and share with you, because like sharing

727
00:32:19,880 --> 00:32:24,040
Speaker 2: makes things burn brighter, right, Yeah, but didn't really comprehend

728
00:32:24,040 --> 00:32:27,520
Speaker 2: your feelings and that's okay, but it doesn't mean that

729
00:32:27,600 --> 00:32:30,360
Speaker 2: you're less than or different totally. And it could even

730
00:32:30,400 --> 00:32:33,400
Speaker 2: be a like, Okay, so you've seen somebody else who's

731
00:32:33,400 --> 00:32:37,080
Speaker 2: earning literally double do you want that lifestyle? So how

732
00:32:37,080 --> 00:32:40,160
Speaker 2: do you make your friend's lifestyle? Do you like that? Yes,

733
00:32:40,200 --> 00:32:43,880
Speaker 2: they're earning more cash, but like, at what cost? Is

734
00:32:43,880 --> 00:32:46,000
Speaker 2: a question I like to ask all the time, Like

735
00:32:46,160 --> 00:32:48,520
Speaker 2: you can do it, but like at what cost? Like

736
00:32:48,600 --> 00:32:51,240
Speaker 2: I could triple how much she's on the money earns,

737
00:32:51,600 --> 00:32:53,719
Speaker 2: but at what cost? I don't think anyone in our

738
00:32:53,720 --> 00:32:56,640
Speaker 2: team would be happy. I would have no work life balance,

739
00:32:56,720 --> 00:32:59,840
Speaker 2: my family would be suffering, like all of those things, Right,

740
00:33:00,120 --> 00:33:02,600
Speaker 2: So I think we need to zoom out and go well,

741
00:33:02,880 --> 00:33:03,680
Speaker 2: at what cost?

742
00:33:03,880 --> 00:33:04,040
Speaker 1: Or?

743
00:33:04,480 --> 00:33:06,720
Speaker 2: Hey? You know, I keep using Jess as an example

744
00:33:06,720 --> 00:33:08,840
Speaker 2: here because she spoke up first, I suppose, but let

745
00:33:09,000 --> 00:33:12,320
Speaker 2: yes use back. Hey, cool, so you've looked at that lifestyle,

746
00:33:12,720 --> 00:33:15,440
Speaker 2: Maybe you go that is really shiny. Do we want

747
00:33:15,480 --> 00:33:18,120
Speaker 2: to make a career pivot? What would that look like?

748
00:33:18,240 --> 00:33:21,280
Speaker 2: How could we work towards moving into a career where

749
00:33:21,320 --> 00:33:24,479
Speaker 2: you have that Because no shame, some of us are

750
00:33:24,600 --> 00:33:28,640
Speaker 2: very money motivated. You might adore your job, but you've

751
00:33:28,640 --> 00:33:30,840
Speaker 2: seen someone else and an opportunity that you go, I'm

752
00:33:30,880 --> 00:33:33,400
Speaker 2: smart enough to do that. Maybe you want to move,

753
00:33:33,760 --> 00:33:36,040
Speaker 2: Like maybe it's an opportunity to reflect on where we

754
00:33:36,080 --> 00:33:39,040
Speaker 2: are and what that might mean, and sometimes we could

755
00:33:39,040 --> 00:33:41,560
Speaker 2: fall back into I don't actually want that. I adore

756
00:33:41,600 --> 00:33:44,560
Speaker 2: my job, I have the best like work life balance whatnot.

757
00:33:44,640 --> 00:33:47,560
Speaker 2: And I'm really proud of where I've come from. Or hey,

758
00:33:47,600 --> 00:33:50,200
Speaker 2: that was actually a really good, like little trigger to

759
00:33:50,240 --> 00:33:51,040
Speaker 2: push me further.

760
00:33:51,360 --> 00:33:54,880
Speaker 5: Yeah, it really depends on what the friend does. I'm

761
00:33:54,920 --> 00:33:56,920
Speaker 5: really curious to know what your friend is.

762
00:33:57,160 --> 00:34:00,440
Speaker 2: Oh, I always you tell me you earnest dolls. I

763
00:34:00,480 --> 00:34:01,880
Speaker 2: want to know, like totally.

764
00:34:01,960 --> 00:34:03,360
Speaker 5: But also the fact that they came to you and

765
00:34:03,400 --> 00:34:05,800
Speaker 5: they're really excited about this, like you know this either

766
00:34:05,800 --> 00:34:07,960
Speaker 5: pay increase or salary or whatever it is. It's like

767
00:34:08,280 --> 00:34:11,000
Speaker 5: that in itself is kind of telling. It's like that

768
00:34:11,000 --> 00:34:14,760
Speaker 5: that is abnormal. That is not the norm for everyone.

769
00:34:14,840 --> 00:34:16,840
Speaker 5: If it was the norm for everyone, your friend wouldn't

770
00:34:16,960 --> 00:34:20,000
Speaker 5: have made a point to be so excited to share

771
00:34:20,040 --> 00:34:23,640
Speaker 5: that with you. It's like some sort of extraordinary circumstances.

772
00:34:23,680 --> 00:34:26,520
Speaker 5: I can promise you. I am so far away from

773
00:34:26,560 --> 00:34:29,040
Speaker 5: six figures. I don't know about you guys, but almost

774
00:34:29,040 --> 00:34:32,000
Speaker 5: everyone I know is so far away from it or

775
00:34:32,040 --> 00:34:36,560
Speaker 5: like just almost touching it. It's like that is a big,

776
00:34:36,920 --> 00:34:39,879
Speaker 5: big deal. So that is incredible and you should really

777
00:34:39,880 --> 00:34:43,280
Speaker 5: be proud of yourself for getting there. But also exactly

778
00:34:43,360 --> 00:34:45,160
Speaker 5: what you guys are saying, like it is so funny.

779
00:34:45,160 --> 00:34:47,759
Speaker 5: I was having this conversation last night about money and

780
00:34:47,840 --> 00:34:50,640
Speaker 5: career and all this stuff, and really we have to like,

781
00:34:51,320 --> 00:34:55,520
Speaker 5: first of all, realize that the value we put on roles,

782
00:34:56,000 --> 00:34:59,400
Speaker 5: like everything's kind of just made up, you know what

783
00:34:59,440 --> 00:35:01,960
Speaker 5: I mean. So I think that like, first of all,

784
00:35:02,560 --> 00:35:05,600
Speaker 5: we need money to like buy food and all these

785
00:35:05,640 --> 00:35:07,839
Speaker 5: kind of things. And like, if the lifestyle you live

786
00:35:09,120 --> 00:35:11,839
Speaker 5: is what you like, if you are happy, exactly as

787
00:35:12,040 --> 00:35:15,360
Speaker 5: VD was saying, if you're happy, cool, it doesn't it

788
00:35:15,360 --> 00:35:17,799
Speaker 5: honestly doesn't matter. If you have some disposable income, you

789
00:35:17,840 --> 00:35:21,439
Speaker 5: can buy some luxuries, you're paying for your rent, your food,

790
00:35:21,480 --> 00:35:24,320
Speaker 5: you'll whatever else you need to pay for. If you're covered,

791
00:35:24,360 --> 00:35:28,319
Speaker 5: if you're not struggling every single day, and you're fairly happy,

792
00:35:28,320 --> 00:35:34,160
Speaker 5: you're fairly comfortable. That is so much more than I

793
00:35:34,200 --> 00:35:36,840
Speaker 5: could ever imagine. Like that is just so cool, Like

794
00:35:36,880 --> 00:35:39,680
Speaker 5: that would be amazing and so but yeah, I think

795
00:35:40,280 --> 00:35:42,960
Speaker 5: when we look at what other people are earning, we

796
00:35:43,080 --> 00:35:46,279
Speaker 5: have to think about like, if I want that, would

797
00:35:46,360 --> 00:35:50,520
Speaker 5: you completely switch up and do exactly everything they're doing?

798
00:35:50,920 --> 00:35:53,600
Speaker 5: If not, hey Lee, let let them be. You know,

799
00:35:53,600 --> 00:35:55,960
Speaker 5: there's like five Fox workers that make like a million

800
00:35:56,000 --> 00:35:58,799
Speaker 5: dollars a second. I'm like, that is amazing, but but

801
00:35:58,840 --> 00:36:00,839
Speaker 5: I won't do that far Yeah, would I do that?

802
00:36:00,960 --> 00:36:01,120
Speaker 3: No?

803
00:36:01,239 --> 00:36:01,880
Speaker 2: Absolutely not.

804
00:36:01,960 --> 00:36:04,840
Speaker 5: So I'm like, I'm sitting here, I'm comfy, I whateverfo

805
00:36:05,120 --> 00:36:06,680
Speaker 5: I can't imagine it. Can you imagine?

806
00:36:06,920 --> 00:36:08,800
Speaker 2: I can be like I'm not getting out of bed? Sorry,

807
00:36:08,840 --> 00:36:09,800
Speaker 2: I kind of think that would that.

808
00:36:09,840 --> 00:36:12,279
Speaker 4: I can't imagine you're far away from your circle of.

809
00:36:12,360 --> 00:36:14,440
Speaker 5: No exactly I would it. So that's the thing is

810
00:36:14,480 --> 00:36:16,000
Speaker 5: that like you have to firstly look at like not

811
00:36:16,040 --> 00:36:18,960
Speaker 5: just like the dollar amount, you have to look at

812
00:36:19,160 --> 00:36:20,880
Speaker 5: what your friend is doing and if you would swap

813
00:36:20,920 --> 00:36:25,000
Speaker 5: everything over, and also realize that the amount you're on,

814
00:36:25,360 --> 00:36:28,279
Speaker 5: not everyone is on. But yeah, your your worth and

815
00:36:28,320 --> 00:36:31,840
Speaker 5: your value comes from within because everything else on the

816
00:36:31,880 --> 00:36:34,839
Speaker 5: outside is just made up.

817
00:36:35,360 --> 00:36:37,800
Speaker 2: And I also think before I move on to the listener,

818
00:36:37,960 --> 00:36:41,600
Speaker 2: like to what our community said, we all struggle with it,

819
00:36:41,840 --> 00:36:45,400
Speaker 2: like I struggle with it, Jess struggles with it. Bex.

820
00:36:45,520 --> 00:36:48,000
Speaker 2: We all do it. So even your friend who just

821
00:36:48,080 --> 00:36:50,600
Speaker 2: told you I own two hundred grand, I can promise

822
00:36:50,640 --> 00:36:53,440
Speaker 2: you she's found a ring of people that she's comparing

823
00:36:53,440 --> 00:36:56,120
Speaker 2: herself to. She's comparing herself to everyone at work, being

824
00:36:56,200 --> 00:36:58,799
Speaker 2: like I've made two hundred grand, but like so and

825
00:36:58,840 --> 00:37:00,960
Speaker 2: so over there, I know it gets bonuses because they've

826
00:37:00,960 --> 00:37:03,920
Speaker 2: got a different remuneration structure. And someday I'm going to like,

827
00:37:03,960 --> 00:37:07,040
Speaker 2: we're all comparing ourselves and we need to just stop

828
00:37:07,440 --> 00:37:11,200
Speaker 2: because it's where is the productiveness in this? It does?

829
00:37:11,280 --> 00:37:14,600
Speaker 2: What point? Did that ever actually help you? Exactly? So

830
00:37:15,040 --> 00:37:18,480
Speaker 2: we asked our community. First question we asked was do

831
00:37:18,520 --> 00:37:20,920
Speaker 2: you ever get stuck in a comparison spill with friends?

832
00:37:22,800 --> 00:37:25,279
Speaker 2: Percent of you said yep, all the time. It's exhausting.

833
00:37:25,360 --> 00:37:26,239
Speaker 4: Only twenty five percent.

834
00:37:26,320 --> 00:37:29,240
Speaker 2: Wait, then fifty eight percent of you said yep, sometimes

835
00:37:29,239 --> 00:37:31,360
Speaker 2: I catch myself doing it. So we all do it.

836
00:37:31,719 --> 00:37:34,160
Speaker 2: And then seventeen percent of you are better than all

837
00:37:34,200 --> 00:37:36,640
Speaker 2: of us and said, nah, I'm really good at staying

838
00:37:36,640 --> 00:37:41,400
Speaker 2: in my own lane. Could DM and tell us exactly

839
00:37:41,480 --> 00:37:43,960
Speaker 2: how you stay in your own lane, because girl, I'm

840
00:37:43,960 --> 00:37:51,239
Speaker 2: on the freeway, like no, I'm on the freeway. I

841
00:37:51,239 --> 00:37:53,640
Speaker 2: can see all the lanes. I can't stay in my

842
00:37:53,760 --> 00:37:56,120
Speaker 2: lane because the people in front of me, they're gone slow.

843
00:37:56,520 --> 00:38:01,280
Speaker 2: I need to overtake you. You're just a little street screen.

844
00:38:01,320 --> 00:38:04,000
Speaker 2: We aren't on the country roads, you know. Next question

845
00:38:04,080 --> 00:38:06,480
Speaker 2: we asked was do you struggle to separate your money

846
00:38:06,520 --> 00:38:10,239
Speaker 2: and your self worth? Fifty two percent of you said sometimes,

847
00:38:10,239 --> 00:38:13,000
Speaker 2: depending on how I'm tracking. Twenty seven percent of you

848
00:38:13,040 --> 00:38:16,359
Speaker 2: said yeah, they feel really linked. And again, twenty two

849
00:38:16,440 --> 00:38:19,879
Speaker 2: percent of you are better at much of this than

850
00:38:19,920 --> 00:38:21,799
Speaker 2: we are, and said, no, I know my self worth.

851
00:38:21,840 --> 00:38:25,719
Speaker 2: Isn't my income ride well into my dms? And you

852
00:38:25,760 --> 00:38:28,120
Speaker 2: tell me how you do that, because we need to

853
00:38:28,120 --> 00:38:30,640
Speaker 2: do a whole episode on how you guys are living

854
00:38:30,680 --> 00:38:34,759
Speaker 2: your lives because I need your tips personally. So that's

855
00:38:34,800 --> 00:38:38,560
Speaker 2: just a selfish request. And we then said to the community, guys,

856
00:38:38,640 --> 00:38:41,839
Speaker 2: what's your two cents? First person said, I'm thirty eight

857
00:38:41,880 --> 00:38:43,960
Speaker 2: and I feel like I'm never going to reach six figures.

858
00:38:44,160 --> 00:38:46,080
Speaker 2: I love my job, though, so I'm happy to put

859
00:38:46,160 --> 00:38:49,799
Speaker 2: up with the lot. Holy absolutely. Next person said, talk

860
00:38:49,880 --> 00:38:52,200
Speaker 2: to a professional. Your work probably has a free EAP

861
00:38:52,440 --> 00:38:55,680
Speaker 2: program that can do wonders for mindset and direction.

862
00:38:55,960 --> 00:38:56,600
Speaker 4: That's a good one.

863
00:38:56,640 --> 00:39:00,000
Speaker 2: That's a good one because that's free. Baby. Another person said,

864
00:39:00,080 --> 00:39:02,120
Speaker 2: to think about all the times you were dreaming about

865
00:39:02,160 --> 00:39:03,480
Speaker 2: it being exactly.

866
00:39:03,160 --> 00:39:05,480
Speaker 5: Where you are right now, exactly right.

867
00:39:05,719 --> 00:39:07,640
Speaker 2: They have a j name as well, so that feels

868
00:39:07,680 --> 00:39:10,640
Speaker 2: like a Jess thing to say. Next person said, there's

869
00:39:10,680 --> 00:39:14,400
Speaker 2: a documentary called Happy Once Basic needs a man happiness

870
00:39:14,440 --> 00:39:17,040
Speaker 2: doesn't actually increase with money. I'm going to go watch

871
00:39:17,080 --> 00:39:18,759
Speaker 2: that doctu that reminds you.

872
00:39:18,800 --> 00:39:20,799
Speaker 4: There's a book called The Happiness Project that I read

873
00:39:20,880 --> 00:39:23,400
Speaker 4: years and years ago that I really liked. Similar concept.

874
00:39:23,480 --> 00:39:25,759
Speaker 2: I think I have that book, but I've never read it.

875
00:39:25,800 --> 00:39:29,439
Speaker 2: The yellow one right, yeah. Yeah. Next person said, I'm

876
00:39:29,440 --> 00:39:31,759
Speaker 2: the friend that out earns all of my friends, and

877
00:39:31,920 --> 00:39:34,239
Speaker 2: I really hope that they don't feel like this. That's

878
00:39:34,239 --> 00:39:37,719
Speaker 2: not why I shared. Another person said, I earn a

879
00:39:37,760 --> 00:39:40,239
Speaker 2: lot less than all my friends, but I've got more

880
00:39:40,239 --> 00:39:42,080
Speaker 2: time with my kids, and I think I'm happier.

881
00:39:42,560 --> 00:39:44,239
Speaker 4: I love that we've had two opposites there.

882
00:39:44,320 --> 00:39:45,560
Speaker 5: Yeah, I like that.

883
00:39:45,880 --> 00:39:48,680
Speaker 2: Another person said, my bestie earns double my salary, but

884
00:39:48,760 --> 00:39:52,040
Speaker 2: she said she would love my sense of fulfillment and satisfaction.

885
00:39:52,120 --> 00:39:55,440
Speaker 2: She doesn't think she can achieve. Money isn't everything you guys,

886
00:39:55,440 --> 00:39:57,680
Speaker 2: I'm going to give you three more. Next person said,

887
00:39:57,840 --> 00:39:59,800
Speaker 2: you could make bank doing a lot of things. You

888
00:39:59,840 --> 00:40:02,520
Speaker 2: have eight is it worth it? Though it's a crazy

889
00:40:02,640 --> 00:40:07,680
Speaker 2: exactly aspirational goals rather than comparison spiral is a good

890
00:40:07,719 --> 00:40:11,440
Speaker 2: place to think. And another person said, what you do

891
00:40:11,520 --> 00:40:13,759
Speaker 2: with your money is so much more important than the

892
00:40:13,800 --> 00:40:17,000
Speaker 2: figure you earn. In a last one, I said, I

893
00:40:17,040 --> 00:40:18,399
Speaker 2: was only going to do three, but the last one

894
00:40:18,480 --> 00:40:20,200
Speaker 2: is good. To stop trying to keep up with the

895
00:40:20,280 --> 00:40:24,520
Speaker 2: Joneses next door. They're broke. Yeah, so we don't know.

896
00:40:24,600 --> 00:40:26,480
Speaker 2: Your friend might earn two hundred grand, but she spends

897
00:40:26,480 --> 00:40:28,920
Speaker 2: three hundred. How do you know exactly?

898
00:40:29,040 --> 00:40:30,600
Speaker 5: You just got to make sure the moments that you're

899
00:40:30,640 --> 00:40:33,879
Speaker 5: living are happy and full if you can. But the

900
00:40:33,920 --> 00:40:37,319
Speaker 5: times we spend money, this was like three minutes per day,

901
00:40:37,320 --> 00:40:39,000
Speaker 5: we're looking at a bank account. Like the rest of

902
00:40:39,000 --> 00:40:41,280
Speaker 5: that time, you've got to be living, enjoying.

903
00:40:42,080 --> 00:40:43,560
Speaker 2: Just do what you gotta do. I love that beack.

904
00:40:43,600 --> 00:40:45,839
Speaker 2: That is a very good place to leave it, all right.

905
00:40:46,000 --> 00:40:48,320
Speaker 2: I hope you have enjoyed today's episode. Will see you

906
00:40:48,400 --> 00:40:50,480
Speaker 2: bright early on Monday for a money diary, but tell

907
00:40:50,520 --> 00:40:59,799
Speaker 2: then how the beautiful weekend guys bye did buy shared.

908
00:41:00,160 --> 00:41:02,600
Speaker 3: She's on the Money is general in nature and does

909
00:41:02,640 --> 00:41:06,600
Speaker 3: not consider your individual circumstances. She's on the Money exists

910
00:41:06,719 --> 00:41:09,919
Speaker 3: purely for educational purposes and should not be relied upon

911
00:41:10,000 --> 00:41:12,160
Speaker 3: to make an investment or financial decision.

912
00:41:12,560 --> 00:41:14,800
Speaker 2: If you do choose to buy a financial.

913
00:41:14,360 --> 00:41:18,360
Speaker 3: Product, read the PDS TMD and obtain appropriate financial.

914
00:41:17,960 --> 00:41:19,720
Speaker 2: Advice tailored towards your needs.

915
00:41:20,080 --> 00:41:24,040
Speaker 3: Victoria Divine and She's on the Money are authorized representatives

916
00:41:24,080 --> 00:41:28,200
Speaker 3: of money. Sheoper Pty Ltd ABN three two one six

917
00:41:28,280 --> 00:41:32,160
Speaker 3: four nine two seven seven zero eight AFSL four five

918
00:41:32,239 --> 00:41:34,640
Speaker 3: one two eight nine