WEBVTT - Blindsided by My Husband and Rebuilding My Future

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<v Speaker 1>Hello, my name's Santasha Nabananga Bamblet. I'm a proud Order

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<v Speaker 1>Order Kerney Whaltbury and a waddery woman. And before we

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<v Speaker 1>get started on She's on the Money podcast, I would

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<v Speaker 1>like to acknowledge the traditional custodians of the land of

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<v Speaker 1>which this podcast is recorded on a wondery country, acknowledging

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<v Speaker 1>the elders, the ancestors and the next generation coming through

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<v Speaker 1>as this podcast is about connecting, empowering, knowledge sharing and

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<v Speaker 1>the storytelling of you to make a difference for today

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<v Speaker 1>and lasting impact for tomorrow.

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<v Speaker 2>Let's get into it.

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<v Speaker 3>She's on the Money, She's on the Money.

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<v Speaker 2>Hello, and welcome to She's on the Money the podcast

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<v Speaker 2>some millennials who want financial freedom. Welcome back to another

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<v Speaker 2>one of our money jaries where I get the absolute

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<v Speaker 2>pleasure of sitting down with one of our She's on

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<v Speaker 2>the Money community members and talking to them all about

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<v Speaker 2>their money story. Let's jump straight into it, because this

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<v Speaker 2>week I got a message and it sounded like this, Hi,

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<v Speaker 2>She's on the Money. I'm a thirty five year old

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<v Speaker 2>mom of two with a story that serves as a

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<v Speaker 2>cautionary tale for all women. Three months ago, after relocating

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<v Speaker 2>to a news date with my husband. He blindsided me

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<v Speaker 2>with the news that he was leaving. I absolutely had

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<v Speaker 2>no idea it was coming. He's the tough part. We

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<v Speaker 2>had joint money. He earns three times what I do,

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<v Speaker 2>and I have spent the last nine years out of

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<v Speaker 2>full time work raising our kids. Now I'm having to

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<v Speaker 2>pick myself up and reassess everything to start fresh and

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<v Speaker 2>give my kids the life they deserve. Money, Diarist, that

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<v Speaker 2>just feels like trash.

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<v Speaker 4>That's one word for it, that's for sure.

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<v Speaker 2>It's a bit more of a complimentary word I feel.

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<v Speaker 4>Yeah, yeah, I've had some other words for sure that

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<v Speaker 4>have had less letters that.

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<v Speaker 2>Yeah.

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<v Speaker 4>Yeah.

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<v Speaker 2>All right, Well let's start the way I always start, money, Darist.

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<v Speaker 2>I'd love to know what grade would you give your

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<v Speaker 2>money habits from A through to F.

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<v Speaker 4>I am like a D, maybe even a D minus.

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<v Speaker 2>I feel like you're not. But also we'll chat about it. Okay,

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<v Speaker 2>all right, I need to know my favorite question. Can

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<v Speaker 2>you tell me more about your money story. Let's go back.

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<v Speaker 4>So I was raised in a regional town. I had

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<v Speaker 4>two working parents. We would just what I would say

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<v Speaker 4>was just like standard Australian middle class. You know, like

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<v Speaker 4>nothing was extravagant. My parents worked in their jobs for

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<v Speaker 4>like thirty years to put a roof over our heads,

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<v Speaker 4>and you know, we had a holiday every couple of

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<v Speaker 4>years and that was it. That was it was good life.

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<v Speaker 4>You know. My parents didn't really talk much about money, though.

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<v Speaker 4>I often say, like, we can probably get into this

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<v Speaker 4>a little bit later, and we talk about some of

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<v Speaker 4>the other things I'm working on. But I always say

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<v Speaker 4>my dad is very traditional country. He you know, don't

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<v Speaker 4>talk about sex, drugs, politics, absolutely.

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<v Speaker 2>Not exactly horible. I'm from Tasmania, I get it. Yeah,

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<v Speaker 2>he's very taboo. Yeah, that's disgusting. You will never talk

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<v Speaker 2>about that, let alone at the dinner table.

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<v Speaker 4>Exactly. So I went to UNI, came out of UNI,

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<v Speaker 4>and not long after, when I was twenty two, just

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<v Speaker 4>graduated UNI, I met a cute boy.

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<v Speaker 2>We love this, No we don't.

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<v Speaker 4>We doesn't end well.

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<v Speaker 2>I like com eating cuteboy.

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<v Speaker 4>And anyway, we got together. He was eight years older

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<v Speaker 4>than me. I was only twenty two and he was thirty.

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<v Speaker 2>I think that's going downhill real quick.

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<v Speaker 4>Yeah, yeah, yeah, And it's only in hindsight, you know,

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<v Speaker 4>hindsight is twenty twenty that I can see that. I'm like, oh, well,

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<v Speaker 4>I was a thirty year old dating a twenty two

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<v Speaker 4>year old. Oh we know, we know well well because

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<v Speaker 4>I was young and easily manipulated exactly, and so from

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<v Speaker 4>that point on, he was already much further along in

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<v Speaker 4>his career. He always earned like triple what I. I

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<v Speaker 4>came out of Union on a very low paying job,

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<v Speaker 4>and we essentially ended up joining living together pretty quickly

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<v Speaker 4>after we got together, and then I got married very young.

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<v Speaker 4>I had my first child when I was twenty seven,

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<v Speaker 4>which is definitely younger than I would have planned that,

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<v Speaker 4>but again he was eight years older than me, so

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<v Speaker 4>he was ready for that, and I thought we'd committed

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<v Speaker 4>to this life together, yeah, one hundred percent. And so

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<v Speaker 4>had my first child. Or supposed to go back to

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<v Speaker 4>my job that I really loved, but do it in

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<v Speaker 4>like a part time capacity, And when my daughter was

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<v Speaker 4>about six months old, I got an email saying, like,

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<v Speaker 4>your job still exists, but it's the job that you

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<v Speaker 4>had before, and it was full time in the city,

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<v Speaker 4>lots of travel. I didn't have family around where I

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<v Speaker 4>was at the time, and so I had to make

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<v Speaker 4>the decision to not go back to that job. I

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<v Speaker 4>mean this was only like nine years ago, but part

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<v Speaker 4>time work just was not as much of a thing

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<v Speaker 4>as it was then. And definitely flexible work.

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<v Speaker 2>Yeah, I feel like flexible work has really served recently

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<v Speaker 2>where people are realizing I think after COVID with all

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<v Speaker 2>of the work from home and like the work flexibly arrangements,

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<v Speaker 2>like it's definitely searched. But yeah, nine years ago, getting

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<v Speaker 2>a part time role was kind of like the golden goose.

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<v Speaker 4>Exactly, and especially in the kind of industry. And then

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<v Speaker 4>so I turned in and did some freelance work, which

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<v Speaker 4>I mean, look at how its pros and cons. I

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<v Speaker 4>think if anytime you want to start a business or

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<v Speaker 4>start being a sole trader, you want to do it

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<v Speaker 4>because you've decided I'm ready for this, and I'm prep

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<v Speaker 4>for this. And whereas I had to kind of do

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<v Speaker 4>it as a necessity, so I didn't know how much

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<v Speaker 4>to charge. I didn't know, you know, like a lot

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<v Speaker 4>of my old workplaces became my client, so that kind

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<v Speaker 4>of made it a bit easier. And I continued on

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<v Speaker 4>doing that all the way through for another three years

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<v Speaker 4>till I had my son, and then when he was younger,

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<v Speaker 4>I went back to work, but I basically just worked

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<v Speaker 4>part time in jobs that I would say below my capabilities.

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<v Speaker 2>That's the journey, right like, And I'm not saying it's

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<v Speaker 2>okay that it's like the small steps that you make

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<v Speaker 2>for your family that are sacrifices that you go, that's okay,

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<v Speaker 2>we'll sort that out. That's okay, we'll sort that out.

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<v Speaker 2>And then you fast forward and realize that all of

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<v Speaker 2>those time, any little steps that you thought you were

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<v Speaker 2>making that were in the best interest at the time

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<v Speaker 2>were actually not in your best interests exactly.

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<v Speaker 4>Because I was thinking of us and I wasn't thinking

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<v Speaker 4>of me. And now, like I said, it is a

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<v Speaker 4>cautionary tale, it's bitten me in the bum. I had

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<v Speaker 4>no separate money from him. I always felt sort of

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<v Speaker 4>at the mercy of that he we're both terrible with money,

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<v Speaker 4>and I am open to admitting that, but he kind

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<v Speaker 4>of isn't. And we got a financial advisor a few

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<v Speaker 4>years ago, and I was very open about that, you know,

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<v Speaker 4>we're terrible with money. Help us, you know, And one

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<v Speaker 4>of the suggestions he had was, look, I can basically

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<v Speaker 4>take control of your money and give you guys essentially

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<v Speaker 4>like an allowance each week, and I'm like, great, yep,

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<v Speaker 4>that's the level of oversight we need. My husband didn't

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<v Speaker 4>like that. I think it's a bit of an ego

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<v Speaker 4>thing maybe for a man, a control thing for sure,

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<v Speaker 4>because you know, he would get a new hobby every

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<v Speaker 4>couple of months and just go and spend Like why

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<v Speaker 4>and I are people this well because they haven't been

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<v Speaker 4>to therapy and dealt with the root cause of what's

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<v Speaker 4>going on.

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<v Speaker 2>Oh ah yeah, yeah, that makes a lot more sense.

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<v Speaker 4>Now, yeah, yeah, because why do that when you can

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<v Speaker 4>just fill the void with buying new things? Oh you know?

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<v Speaker 2>Actually, yeah, like why I spend money on therapy?

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<v Speaker 4>That ah?

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<v Speaker 2>So smart, so smart, so smart. So what happened after that?

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<v Speaker 4>So we moved recently, we did a big move into

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<v Speaker 4>state move.

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<v Speaker 2>The audad sorry, like I don't know enough about this situation,

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<v Speaker 2>but the audacity on that man to let you move

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<v Speaker 2>states and then go by the way not feeling this. Oh,

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<v Speaker 2>also to.

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<v Speaker 4>Move away from family that was in my other city.

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<v Speaker 2>Moving from home to somewhere else, you're probably thinking new life. Great,

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<v Speaker 2>We've got these great opportunities as a family. Yeah.

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<v Speaker 4>So oh mate, Like the week before he sat down

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<v Speaker 4>and told me this on a random Thursday night. I

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<v Speaker 4>was literally drinking a cup of tea on the couch

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<v Speaker 4>and he sat down and said, I can't do this anymore.

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<v Speaker 2>Sorry, what so you can't do what me during because

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<v Speaker 2>that's currently where we're at.

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<v Speaker 4>Exactly, like that is our life stage to deal with it.

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<v Speaker 4>And the week before that we had met with our

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<v Speaker 4>financial advisor to talk about buying a property here. No,

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<v Speaker 4>you know, And now he wants to turn around and say,

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<v Speaker 4>you should have known you can't act.

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<v Speaker 2>What do you mean I should have known you're literally

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<v Speaker 2>talking with a financial advisor about another commitment together.

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<v Speaker 4>And this is the thing, right And I know it's

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<v Speaker 4>so cliche for a woman to say in twenty twenty four,

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<v Speaker 4>but he's a legitimate narcissist, Like I have learned this.

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<v Speaker 2>Now And I'm like, yeah, but you don't know at

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<v Speaker 2>the time.

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<v Speaker 4>No, And you don't want to see that at the time.

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<v Speaker 4>And I get it. Like people have said, to me,

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<v Speaker 4>was he like this the whole time? And I'm like,

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<v Speaker 4>I guess in a way, he was, But I just

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<v Speaker 4>I wanted to excuse it because this is the man

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<v Speaker 4>who was the father of my children. I wanted to

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<v Speaker 4>make it work. I wanted to have that family. So anyway,

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<v Speaker 4>so we moved to where we are now at the

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<v Speaker 4>start of the year, and about three months after, yeah,

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<v Speaker 4>he told me he was out. I was still on

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<v Speaker 4>probation at a new job.

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<v Speaker 2>And that just like that mental load, that like not

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<v Speaker 2>even taking into consideration the fact that you didn't see

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<v Speaker 2>a divorce coming, like just oh, that would have flipped

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<v Speaker 2>the narrative. So what happened?

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<v Speaker 4>I mean I just had to turn around and deal

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<v Speaker 4>with it, like I was literally living.

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<v Speaker 2>Did he give a reason? Obviously, he was like you

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<v Speaker 2>should have seen this coming.

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<v Speaker 4>No, really, just this isn't working exactly, there's not really

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<v Speaker 4>a reason.

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<v Speaker 2>Looks from your perspective, was it working?

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<v Speaker 4>I mean, it wasn't the best, But I also just

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<v Speaker 4>thought that was the season of life.

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<v Speaker 2>Yeah, like we have young kids, Like stuff's just stuffing.

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<v Speaker 4>Yeah, And like I've just watched so many you know,

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<v Speaker 4>my mom and dad and aunts and uncles and things

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<v Speaker 4>like that. I've seen marriages have ebbs and flows, and

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<v Speaker 4>like there was nothing so so terrible in it that

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<v Speaker 4>I would have ever considered walking away, you know, like

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<v Speaker 4>it just wasn't like and so I genuinely believe he's

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<v Speaker 4>having a midlife crisis and he had to run away

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<v Speaker 4>from something.

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<v Speaker 2>Okay, you're not twenty two anymore, and I was twenty

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<v Speaker 2>two that kind of midlife crisis, Yeah, I think so.

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<v Speaker 2>And just I've lost control.

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<v Speaker 4>Like so, we had also bought a property in the

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<v Speaker 4>other city that we were in and when we were

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<v Speaker 4>selling that for a loss just because the timing was bad,

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<v Speaker 4>and again, like we're just not super financially true, which

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<v Speaker 4>is why I've become obsessed with you guys.

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<v Speaker 2>Welcome to the community. We are actually so stoked to

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<v Speaker 2>have you here.

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<v Speaker 4>It's been amazing. Yeah, And so I think it's no

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<v Speaker 4>surprise that the week we found out we were going

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<v Speaker 4>to make a loss on that sale is the week

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<v Speaker 4>he decided he was out. You know. I think there's

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<v Speaker 4>a whole bunch.

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<v Speaker 2>Of how do we tell him that that's not what's

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<v Speaker 2>going to solve the problem. But that's okay, you do

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<v Speaker 2>you too?

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<v Speaker 4>Yeah, So I was still on probation. My job. I'm

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<v Speaker 4>just living through this like trauma and shock and trying

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<v Speaker 4>to be the best mom I can to my kids.

0:10:42.120 --> 0:10:44.320
<v Speaker 4>And they're living through it and I'm having to comfort

0:10:44.360 --> 0:10:48.000
<v Speaker 4>them through it, and I mean, it's literally been the

0:10:48.040 --> 0:10:52.079
<v Speaker 4>worst few months of my life. But it definitely builds resilience,

0:10:52.160 --> 0:10:52.439
<v Speaker 4>you know.

0:10:52.559 --> 0:10:55.040
<v Speaker 2>We are oh my god, yeah, like I mean, yes,

0:10:55.080 --> 0:10:58.320
<v Speaker 2>it does. But it wasn't consensual resilience Like I didn't.

0:10:58.360 --> 0:11:00.840
<v Speaker 2>I didn't go wake up and say I want to

0:11:00.880 --> 0:11:04.200
<v Speaker 2>be more resilient, like you were forced into it. So

0:11:04.280 --> 0:11:07.720
<v Speaker 2>tell me. You get told that your husband isn't in

0:11:07.760 --> 0:11:10.120
<v Speaker 2>anymore on a random Thursday night while you're drinking a

0:11:10.160 --> 0:11:12.120
<v Speaker 2>cup of tea. What happens then?

0:11:12.440 --> 0:11:16.199
<v Speaker 4>So then he tells me I was obviously shocked, heartbroken,

0:11:16.360 --> 0:11:21.600
<v Speaker 4>begging him to stay, and he said, you know, it's

0:11:21.600 --> 0:11:23.560
<v Speaker 4>not a nail in the coffin. There's things that we

0:11:23.600 --> 0:11:25.480
<v Speaker 4>can work on, but I just need to get out.

0:11:25.880 --> 0:11:30.120
<v Speaker 4>I was like, okay, you know. So it means that

0:11:30.240 --> 0:11:33.079
<v Speaker 4>within a week he had moved out of our family home.

0:11:33.600 --> 0:11:34.360
<v Speaker 2>He within it.

0:11:34.520 --> 0:11:41.400
<v Speaker 4>This week, he found a furnished rental that he moved to,

0:11:41.600 --> 0:11:43.920
<v Speaker 4>and then my kids had to start adapting to coming

0:11:43.960 --> 0:11:47.920
<v Speaker 4>and going from his place. Yeah. So I tried to

0:11:47.960 --> 0:11:49.600
<v Speaker 4>talk to him about it. He didn't want to talk.

0:11:50.160 --> 0:11:52.640
<v Speaker 4>So I was like, okay, I'll give him time. And

0:11:52.880 --> 0:11:54.640
<v Speaker 4>in that eight weeks I went I was like right,

0:11:54.720 --> 0:11:56.920
<v Speaker 4>I can work on myself in this time. So I went,

0:11:56.960 --> 0:11:57.400
<v Speaker 4>I got.

0:11:57.360 --> 0:12:01.400
<v Speaker 2>You're a quaint, You're an iconon You're who. I hope

0:12:01.440 --> 0:12:04.760
<v Speaker 2>that everyone going through a situation like this use is

0:12:05.320 --> 0:12:08.800
<v Speaker 2>like I'm going to work on myself. Like what iconic behavior?

0:12:09.040 --> 0:12:11.440
<v Speaker 4>Well, it's just when you have no choice, right.

0:12:11.440 --> 0:12:14.120
<v Speaker 2>One hundred percent. But so many people also bury their

0:12:14.120 --> 0:12:15.920
<v Speaker 2>heads and go we'll talk about it at some point,

0:12:16.080 --> 0:12:19.040
<v Speaker 2>like true. Just don't get me wrong, Like I feel

0:12:19.080 --> 0:12:22.320
<v Speaker 2>like you and I know that you didn't have a choice,

0:12:22.360 --> 0:12:24.120
<v Speaker 2>like this is what's happening, But you also have a

0:12:24.160 --> 0:12:26.040
<v Speaker 2>choice on your mindset. You also have a choice on

0:12:26.320 --> 0:12:29.080
<v Speaker 2>how you work on yourself, and those choices are going

0:12:29.160 --> 0:12:31.000
<v Speaker 2>to serve you very well, exactly.

0:12:31.040 --> 0:12:34.560
<v Speaker 4>So I got myself on anti anxiety medication because I

0:12:34.600 --> 0:12:38.120
<v Speaker 4>was like, okay, maybe that's impact in the relationship. I

0:12:38.160 --> 0:12:41.520
<v Speaker 4>started doing cognitive behavioral therapy because I, like many other

0:12:42.280 --> 0:12:45.599
<v Speaker 4>thirty five year old women and a late diagnose ADHDR

0:12:45.800 --> 0:12:48.080
<v Speaker 4>welcome to the club, which, by the way, when I

0:12:48.080 --> 0:12:50.920
<v Speaker 4>heard you refer to that as neurospicy, I laughed out loud.

0:12:51.040 --> 0:12:52.360
<v Speaker 4>I thought it was the best thing I've ever heard.

0:12:52.559 --> 0:12:54.839
<v Speaker 4>I was like, yes, let's just normally.

0:12:54.720 --> 0:12:57.800
<v Speaker 2>Framing it like we are all a little bit neurospicy,

0:12:58.120 --> 0:12:58.679
<v Speaker 2>and it's.

0:12:58.520 --> 0:13:00.400
<v Speaker 4>Just it's no different to like me have a double

0:13:00.480 --> 0:13:02.200
<v Speaker 4>jointed thumb like whatever.

0:13:01.920 --> 0:13:05.240
<v Speaker 2>Which we do because we are You're very divergent, and

0:13:05.280 --> 0:13:06.600
<v Speaker 2>those two things go together.

0:13:08.400 --> 0:13:12.240
<v Speaker 4>I actually also did a six week hypnotherapy Who are you?

0:13:12.240 --> 0:13:13.640
<v Speaker 2>You are a self help queen?

0:13:13.920 --> 0:13:17.480
<v Speaker 4>Yeah? Well, I just thought, let's get to the subconscious

0:13:17.559 --> 0:13:20.880
<v Speaker 4>level of like my lack of self worth and my

0:13:21.400 --> 0:13:23.760
<v Speaker 4>insecurities and stuff, and let's go real deep on that.

0:13:23.840 --> 0:13:27.280
<v Speaker 4>My view on it was, at least I know I

0:13:27.320 --> 0:13:30.160
<v Speaker 4>have done everything I can to save this relationship. If

0:13:30.160 --> 0:13:31.880
<v Speaker 4>he still doesn't want it, well, then none of this

0:13:31.920 --> 0:13:32.719
<v Speaker 4>stuff is.

0:13:32.840 --> 0:13:34.479
<v Speaker 2>That's actually not my problem.

0:13:34.240 --> 0:13:37.160
<v Speaker 4>Exactly, And I've then put myself in the best possible position.

0:13:37.800 --> 0:13:39.880
<v Speaker 4>So after about eight weeks, I asked him to come

0:13:39.880 --> 0:13:42.680
<v Speaker 4>and talk and he was like, yeah, no, I'm out.

0:13:44.000 --> 0:13:47.360
<v Speaker 4>So that's that. Deal with it and have fun.

0:13:47.600 --> 0:13:50.319
<v Speaker 2>Was the CBT. What helped you discover that your husband

0:13:50.360 --> 0:13:51.360
<v Speaker 2>was actually an assist?

0:13:52.000 --> 0:13:53.680
<v Speaker 4>Well that, let's be honest.

0:13:53.840 --> 0:13:57.079
<v Speaker 2>Instagram Yeah, yeah, yeah, one hundred percent, Like that's a

0:13:57.160 --> 0:13:57.960
<v Speaker 2>form of therapy.

0:13:58.679 --> 0:14:01.319
<v Speaker 4>My algorithm these days is I was just like, how

0:14:01.320 --> 0:14:03.240
<v Speaker 4>to spot a narcissist, and like, how.

0:14:03.120 --> 0:14:06.720
<v Speaker 2>To Sometimes I feel like, yeah, algorithm, really, algorithm's too hard,

0:14:06.760 --> 0:14:09.959
<v Speaker 2>and you're like, yeah, have you been listening, Like no,

0:14:10.240 --> 0:14:10.960
<v Speaker 2>how did you know?

0:14:11.600 --> 0:14:14.800
<v Speaker 4>I know? I know? So yeah, So that's kind of

0:14:14.800 --> 0:14:17.160
<v Speaker 4>where we are now. I decided to take a bit

0:14:17.160 --> 0:14:19.840
<v Speaker 4>of control of it. I got a lawyer, which not

0:14:19.960 --> 0:14:23.600
<v Speaker 4>cheap obviously, and got myself with as much info as

0:14:23.600 --> 0:14:26.000
<v Speaker 4>I could. I actually spoke to a really amazing lawyer

0:14:26.080 --> 0:14:27.800
<v Speaker 4>and she was like, look, there's all these different ways

0:14:27.840 --> 0:14:29.960
<v Speaker 4>to do this. The best way to do it, if

0:14:30.000 --> 0:14:32.400
<v Speaker 4>you guys are amicable enough, is to do it through mediation,

0:14:32.560 --> 0:14:34.640
<v Speaker 4>so you're not having lawyers represent you, so you're not

0:14:35.040 --> 0:14:35.760
<v Speaker 4>like waste that money.

0:14:35.760 --> 0:14:38.320
<v Speaker 2>And I was so nice of you to say that, Yeah,

0:14:38.360 --> 0:14:40.280
<v Speaker 2>thank you. Also an iconic queen.

0:14:40.480 --> 0:14:41.960
<v Speaker 4>Yeah, and she was just like, I'm the one who

0:14:42.040 --> 0:14:44.440
<v Speaker 4>does these invoices of these clients, and I invoice them

0:14:44.480 --> 0:14:47.200
<v Speaker 4>for like thirty grand and I just think to myself,

0:14:47.240 --> 0:14:49.400
<v Speaker 4>that's money that could have gone towards the depozard or

0:14:49.560 --> 0:14:51.920
<v Speaker 4>the kids. And I'm like, you know, so we did that.

0:14:52.560 --> 0:14:56.040
<v Speaker 4>A couple of weeks ago. We did the mediation, which

0:14:56.040 --> 0:14:58.360
<v Speaker 4>is like a one day thing to deal with property

0:14:58.400 --> 0:15:01.480
<v Speaker 4>and family also. So in the meantime, had quite a

0:15:01.480 --> 0:15:04.520
<v Speaker 4>few meetings with my financial advisor. He has been amazing

0:15:05.000 --> 0:15:07.120
<v Speaker 4>helping me with negotiations and stuff, and so I came

0:15:07.160 --> 0:15:11.000
<v Speaker 4>out of that pretty well. I went in probably over prepared,

0:15:11.120 --> 0:15:13.240
<v Speaker 4>but I think that's a better way to be, and

0:15:13.280 --> 0:15:14.680
<v Speaker 4>he went in completely underprepared.

0:15:14.840 --> 0:15:18.240
<v Speaker 2>So that's very media commit aged white man behavior exactly.

0:15:19.040 --> 0:15:21.280
<v Speaker 4>So why should I prepare for this? You know the

0:15:21.320 --> 0:15:22.360
<v Speaker 4>world will work for me.

0:15:22.680 --> 0:15:25.720
<v Speaker 2>Okay, Well that's interesting. I feel like you are killing

0:15:25.800 --> 0:15:29.080
<v Speaker 2>it and it reminds me of that quote sometimes something

0:15:29.160 --> 0:15:32.160
<v Speaker 2>you lose is not a loss, and like that is

0:15:32.720 --> 0:15:35.720
<v Speaker 2>so true, Like you feel like you're losing something, but

0:15:35.800 --> 0:15:39.280
<v Speaker 2>you're not. It's not a loss. And that just right

0:15:39.320 --> 0:15:42.040
<v Speaker 2>now is like what you're going through. I think in

0:15:42.080 --> 0:15:43.720
<v Speaker 2>a couple of years you'll be like, oh my god,

0:15:43.760 --> 0:15:45.120
<v Speaker 2>I'm so glad he did that.

0:15:45.760 --> 0:15:48.040
<v Speaker 4>I know, and I do feel like I'm starting to

0:15:48.080 --> 0:15:51.200
<v Speaker 4>see that now. I feel like I do feel like

0:15:51.400 --> 0:15:52.960
<v Speaker 4>in the end, I will look back and be glad

0:15:52.960 --> 0:15:56.520
<v Speaker 4>this happened, because you know, I am thirty five years old,

0:15:56.560 --> 0:15:58.800
<v Speaker 4>I've got my whole life ahead of me. I've just

0:15:58.800 --> 0:16:01.560
<v Speaker 4>put the gas pedal back down my career. My kids

0:16:01.560 --> 0:16:05.080
<v Speaker 4>are both in school, so like, let's.

0:16:04.880 --> 0:16:07.240
<v Speaker 2>Go cheers to him for not doing it while you

0:16:07.400 --> 0:16:11.160
<v Speaker 2>had two tiny, tiny children who weren't in school. Like, yeah,

0:16:11.240 --> 0:16:13.840
<v Speaker 2>that's I mean, they'rey considerate of him.

0:16:14.480 --> 0:16:15.240
<v Speaker 4>I'm not a great man.

0:16:15.480 --> 0:16:19.000
<v Speaker 2>Oh one out of ten cannot recommend. These are the

0:16:19.000 --> 0:16:22.400
<v Speaker 2>moments where you realize that, like, being straight is actually

0:16:22.400 --> 0:16:23.200
<v Speaker 2>not a choice.

0:16:23.440 --> 0:16:25.680
<v Speaker 4>No, no, I look, I am open to any and

0:16:25.720 --> 0:16:29.000
<v Speaker 4>all possibilities. Now I will.

0:16:29.760 --> 0:16:31.920
<v Speaker 2>So I want to know, let's get into some nitty

0:16:31.920 --> 0:16:34.240
<v Speaker 2>gritty questions. So I'm sure it will come back up.

0:16:34.280 --> 0:16:36.600
<v Speaker 2>But now that you are getting back into your career,

0:16:36.640 --> 0:16:38.160
<v Speaker 2>what do you do for it? How much money do

0:16:38.200 --> 0:16:38.600
<v Speaker 2>you earn?

0:16:38.800 --> 0:16:42.920
<v Speaker 4>So I'm a communications manager. I am on one hundred

0:16:42.960 --> 0:16:46.400
<v Speaker 4>and three per year plus super.

0:16:46.240 --> 0:16:48.800
<v Speaker 2>Oh how good is that? I mean at the moment,

0:16:48.840 --> 0:16:52.200
<v Speaker 2>you're probably like, oh, everything's so expensive, But like that

0:16:52.360 --> 0:16:55.560
<v Speaker 2>is a great career trajectory. Yeah, and I feel like

0:16:55.600 --> 0:16:57.520
<v Speaker 2>there's a lot of room for growth, which is awesome.

0:16:57.720 --> 0:16:59.880
<v Speaker 2>Where like, and this is probably not a question that's

0:17:00.080 --> 0:17:02.680
<v Speaker 2>get kind questioned to us, but that where do you

0:17:02.720 --> 0:17:04.800
<v Speaker 2>think you would have been had you not, you know,

0:17:04.800 --> 0:17:07.680
<v Speaker 2>put the brakes on your career? Back when you were

0:17:07.680 --> 0:17:10.120
<v Speaker 2>making sacrifices so that he could earn three times more

0:17:10.160 --> 0:17:10.480
<v Speaker 2>than you.

0:17:10.560 --> 0:17:13.040
<v Speaker 4>Well, I know exactly where I would be because this

0:17:13.080 --> 0:17:15.399
<v Speaker 4>is part of the research I did with going into

0:17:15.440 --> 0:17:19.280
<v Speaker 4>my mediation. So my best friend and I graduated from

0:17:19.320 --> 0:17:22.000
<v Speaker 4>the same degree at the same time. She's just recently

0:17:22.040 --> 0:17:24.960
<v Speaker 4>had her first child, which, by the way, having kids

0:17:24.960 --> 0:17:26.480
<v Speaker 4>in your thirties is a way better idea for so

0:17:26.520 --> 0:17:27.000
<v Speaker 4>many reasons.

0:17:27.000 --> 0:17:30.240
<v Speaker 2>But anyway, when I'm still not getting sleep and I'm

0:17:30.240 --> 0:17:32.480
<v Speaker 2>really tired, and you get to climb into your bed

0:17:32.520 --> 0:17:34.480
<v Speaker 2>and no toddler is going to be in the middle,

0:17:34.800 --> 0:17:35.720
<v Speaker 2>You'll be saying, ha.

0:17:36.560 --> 0:17:38.239
<v Speaker 4>Try having an eight year old and a five year

0:17:38.240 --> 0:17:39.160
<v Speaker 4>old in bed every night.

0:17:39.200 --> 0:17:41.320
<v Speaker 2>It's that's right, you know what. I feel like you're

0:17:41.359 --> 0:17:42.119
<v Speaker 2>living my dream.

0:17:43.880 --> 0:17:47.679
<v Speaker 4>So she had an amazing stuff with her career, Like

0:17:47.760 --> 0:17:49.600
<v Speaker 4>not to take anything away from her, like she's brilliant

0:17:49.680 --> 0:17:51.880
<v Speaker 4>what she does, but we had very similar you know,

0:17:52.119 --> 0:17:54.119
<v Speaker 4>I would say, work ethics and all that kind of stuff.

0:17:54.560 --> 0:17:58.000
<v Speaker 4>She is currently on two hundred and ten. Yeah, okay,

0:17:58.080 --> 0:18:00.600
<v Speaker 4>you know, so that's the sacrifice I made in terms

0:18:00.640 --> 0:18:04.359
<v Speaker 4>of being the one at home raising the children. And

0:18:04.400 --> 0:18:06.080
<v Speaker 4>when I said that to him, he said, well, I

0:18:06.080 --> 0:18:07.160
<v Speaker 4>didn't ask you to do that.

0:18:07.400 --> 0:18:10.480
<v Speaker 2>I'm gonna literally bunch you in the face, so weird.

0:18:10.920 --> 0:18:13.320
<v Speaker 2>My hand just slipped and fell into your nose.

0:18:13.920 --> 0:18:16.560
<v Speaker 4>Oh the milk coming out of your boobies wasn't that good?

0:18:16.880 --> 0:18:19.240
<v Speaker 4>And your two days of paternity leave would not have

0:18:19.240 --> 0:18:20.000
<v Speaker 4>gotten us very far.

0:18:20.240 --> 0:18:22.159
<v Speaker 2>Oh, that's so weird that we had kids when it

0:18:22.200 --> 0:18:24.760
<v Speaker 2>suited you and I was twenty seven and didn't think

0:18:24.800 --> 0:18:29.080
<v Speaker 2>it was going to work, but we did so obviously,

0:18:29.119 --> 0:18:32.399
<v Speaker 2>that is actually a fantastic benchmark to have. And having

0:18:32.400 --> 0:18:36.399
<v Speaker 2>these money conversations with your friend really empowered you to

0:18:36.600 --> 0:18:40.199
<v Speaker 2>have a successful mediation, right, So, like what were those conversations?

0:18:40.280 --> 0:18:42.240
<v Speaker 2>Like did you sit down with your friend and go hey, cool,

0:18:42.359 --> 0:18:46.040
<v Speaker 2>like you are basically like we split off. It's like

0:18:46.080 --> 0:18:49.520
<v Speaker 2>the superannuation ad where they're going up the escalators and

0:18:49.560 --> 0:18:52.080
<v Speaker 2>that's really powerful. But like, what was that conversation like

0:18:52.080 --> 0:18:53.480
<v Speaker 2>with your friend? Were you like, can you just tell

0:18:53.520 --> 0:18:55.280
<v Speaker 2>me what you earn? Was she open to that? Like

0:18:55.280 --> 0:18:56.119
<v Speaker 2>what did that look like?

0:18:56.359 --> 0:18:58.280
<v Speaker 4>Yeah? So she's obviously been there for me during this

0:18:58.320 --> 0:19:01.200
<v Speaker 4>whole massive life change, and she knew that I was

0:19:01.240 --> 0:19:04.040
<v Speaker 4>going to mediation and I literally just ragged her and

0:19:04.080 --> 0:19:06.840
<v Speaker 4>I was like, hey, can you, like, we all as

0:19:06.880 --> 0:19:08.600
<v Speaker 4>women need to get better at talking about money and

0:19:08.640 --> 0:19:11.480
<v Speaker 4>talking about this stuff. Can you tell me what you've

0:19:11.480 --> 0:19:14.080
<v Speaker 4>earned in your last like three or four jobs. And

0:19:14.119 --> 0:19:15.720
<v Speaker 4>she's like, Yep, when I was at this job, I

0:19:15.720 --> 0:19:17.040
<v Speaker 4>earned this, when I was at this, iland at this,

0:19:17.040 --> 0:19:19.040
<v Speaker 4>when I was at this, ironed this and I love that.

0:19:19.119 --> 0:19:22.000
<v Speaker 4>And she's very similarly minded to me in terms of

0:19:22.040 --> 0:19:24.320
<v Speaker 4>like we need to change this narrative for women, especially,

0:19:24.359 --> 0:19:27.200
<v Speaker 4>like let's not be like weird about money or weird

0:19:27.240 --> 0:19:31.639
<v Speaker 4>about sex or whatever, like let's just normalize everything. And

0:19:31.680 --> 0:19:33.520
<v Speaker 4>so she was fully just like, yep, anything else you

0:19:33.520 --> 0:19:34.760
<v Speaker 4>need to know, you let me know.

0:19:34.960 --> 0:19:36.880
<v Speaker 2>I can send you a pay slip for an example.

0:19:37.119 --> 0:19:40.280
<v Speaker 2>I love her, So tell me how that played into mediation,

0:19:40.480 --> 0:19:44.359
<v Speaker 2>Like what was that conversation? Like, I obviously thankfully haven't

0:19:44.400 --> 0:19:46.560
<v Speaker 2>been through this process, but I know that it can

0:19:46.600 --> 0:19:48.680
<v Speaker 2>be quite fick. Or is that something that you've said, well,

0:19:48.720 --> 0:19:49.760
<v Speaker 2>actually i'd be here.

0:19:50.000 --> 0:19:52.800
<v Speaker 4>Yep, So I said I would be there, and I

0:19:52.840 --> 0:19:56.240
<v Speaker 4>said to make up for that, I believe I deserve

0:19:57.400 --> 0:20:01.639
<v Speaker 4>X amount. Unfortunately, because we are both bad with money,

0:20:02.200 --> 0:20:03.879
<v Speaker 4>we didn't really have much of a property pool to

0:20:03.920 --> 0:20:08.680
<v Speaker 4>split so I negotiated really hard for a good monthly

0:20:08.800 --> 0:20:11.840
<v Speaker 4>payment because in Australia, unfortunately, this is another thing they

0:20:11.880 --> 0:20:14.280
<v Speaker 4>don't teach you. They don't give you alimony, so you

0:20:14.359 --> 0:20:16.560
<v Speaker 4>have to do it as child support. So that's what

0:20:16.600 --> 0:20:20.160
<v Speaker 4>I negotiated for. So I negotiated for four thousand dollars

0:20:20.240 --> 0:20:23.560
<v Speaker 4>a month from him, which I think for me puts

0:20:23.600 --> 0:20:26.639
<v Speaker 4>me in a much better position in terms of lending

0:20:26.680 --> 0:20:29.760
<v Speaker 4>capabilities and things like that. So I went in really

0:20:29.880 --> 0:20:32.480
<v Speaker 4>armed with all that information. I also went in armed

0:20:32.520 --> 0:20:36.800
<v Speaker 4>with what he isn't over that time. What you know,

0:20:36.840 --> 0:20:39.320
<v Speaker 4>when they'd break down those calculations of how much a

0:20:39.359 --> 0:20:42.080
<v Speaker 4>woman like it's not just the amount of time that

0:20:42.119 --> 0:20:44.719
<v Speaker 4>you spent out of the workforce, it's also the slower

0:20:44.760 --> 0:20:47.080
<v Speaker 4>career progression. Because in the time that I was home

0:20:47.119 --> 0:20:49.800
<v Speaker 4>with the kids, he progressed really rapidly in his career

0:20:49.840 --> 0:20:51.439
<v Speaker 4>because he had the time and space to do that.

0:20:51.520 --> 0:20:54.520
<v Speaker 2>It's almost like he had someone supporting him at home

0:20:54.600 --> 0:20:58.120
<v Speaker 2>to do that. That's very strange. He didn't know that though,

0:21:00.520 --> 0:21:03.240
<v Speaker 2>So that is a super powerful position to be in.

0:21:03.400 --> 0:21:06.080
<v Speaker 2>You manage to get a good amount of child support.

0:21:06.240 --> 0:21:08.600
<v Speaker 2>But obviously, like when I do the maths on that

0:21:08.600 --> 0:21:12.639
<v Speaker 2>that actually gets you to being on par or close

0:21:12.720 --> 0:21:15.800
<v Speaker 2>to what your friend earns, but that then puts you

0:21:15.840 --> 0:21:19.399
<v Speaker 2>in the basket of being a single parent exactly. So like, yes,

0:21:19.520 --> 0:21:22.680
<v Speaker 2>you're kind of getting that, but like that child support,

0:21:23.000 --> 0:21:26.240
<v Speaker 2>according to Australian government regulation is meant to go towards

0:21:26.320 --> 0:21:29.480
<v Speaker 2>the kids, not necessarily towards your income. So now you're

0:21:29.560 --> 0:21:34.000
<v Speaker 2>on par What type of custody arrangements exists? Like is

0:21:34.000 --> 0:21:35.480
<v Speaker 2>it fifty to fifty? Are they with you?

0:21:35.560 --> 0:21:35.639
<v Speaker 1>Like?

0:21:35.720 --> 0:21:38.359
<v Speaker 2>Has he just decided not only am I walking away

0:21:38.359 --> 0:21:40.720
<v Speaker 2>from my marriage, I've had a midlife crissis I want

0:21:40.720 --> 0:21:43.159
<v Speaker 2>to be a single male? Like what does that look like?

0:21:43.359 --> 0:21:45.000
<v Speaker 4>To be honest, in a way, I wish he had

0:21:45.000 --> 0:21:46.800
<v Speaker 4>have done that. That would have made things easier, but

0:21:46.920 --> 0:21:52.520
<v Speaker 4>instead he has turned around and insisted on having them.

0:21:52.720 --> 0:21:56.480
<v Speaker 4>So I refuse to do fifty to fifty because they

0:21:56.480 --> 0:21:58.199
<v Speaker 4>are incredibly bonded to me.

0:21:58.320 --> 0:22:00.720
<v Speaker 2>Absolutely not, they're too little exactly.

0:22:01.080 --> 0:22:03.960
<v Speaker 4>Oh he turned around and told me that they don't

0:22:04.000 --> 0:22:05.000
<v Speaker 4>need a primary parent.

0:22:05.560 --> 0:22:07.320
<v Speaker 2>Oh okay, that's so strange.

0:22:07.560 --> 0:22:09.120
<v Speaker 4>Our youngest is five years old.

0:22:09.440 --> 0:22:13.439
<v Speaker 2>No no, no, no, no, no, you're the one that

0:22:13.600 --> 0:22:15.960
<v Speaker 2>chose this. So I'm going to give them a stable

0:22:16.040 --> 0:22:19.120
<v Speaker 2>home and you can go do your midlife crisis stuff.

0:22:19.160 --> 0:22:21.320
<v Speaker 2>You're not coming back, but like, go have fun.

0:22:21.440 --> 0:22:26.320
<v Speaker 4>So currently it's about a sixty forty split. It's not perfect.

0:22:27.080 --> 0:22:29.560
<v Speaker 4>There is a bit of doing and throwing, and that's

0:22:29.600 --> 0:22:31.040
<v Speaker 4>just because I have certain days that I have to

0:22:31.080 --> 0:22:32.800
<v Speaker 4>be in the office, which means I leave. Of course

0:22:32.840 --> 0:22:34.679
<v Speaker 4>i'm early, so they stay with him those nights. So

0:22:34.680 --> 0:22:37.320
<v Speaker 4>that's two nights a week. So that's what it was originally,

0:22:37.359 --> 0:22:39.680
<v Speaker 4>and then once he'd moved out, then he started insisting

0:22:39.680 --> 0:22:42.880
<v Speaker 4>I want them every second weekend as well, and I'm like, well.

0:22:42.600 --> 0:22:44.160
<v Speaker 2>You can't have your cake, can eat it too, sir,

0:22:44.320 --> 0:22:44.520
<v Speaker 2>you know.

0:22:44.720 --> 0:22:46.960
<v Speaker 4>But then it's really hard because you don't want to

0:22:47.000 --> 0:22:49.840
<v Speaker 4>be the parent who keeps their children from their other parent.

0:22:50.359 --> 0:22:52.959
<v Speaker 4>But for me, it does still feel like I am

0:22:52.960 --> 0:22:55.200
<v Speaker 4>the primary parent because every second week I have them

0:22:55.240 --> 0:22:58.520
<v Speaker 4>five nights in a row and they are never with

0:22:58.640 --> 0:23:01.159
<v Speaker 4>him longer than two nights. Like my daughter especially, she's like,

0:23:01.400 --> 0:23:03.240
<v Speaker 4>I don't want to be there any longer than two nights,

0:23:03.240 --> 0:23:06.960
<v Speaker 4>and I'm like, that's great, that's fine. So I definitely

0:23:07.000 --> 0:23:09.320
<v Speaker 4>still feel like the primary parent, which is really good.

0:23:09.440 --> 0:23:12.560
<v Speaker 4>So yeah, they do still see him, and I think,

0:23:12.680 --> 0:23:15.360
<v Speaker 4>like I will forever bite my tongue and I will

0:23:15.400 --> 0:23:18.080
<v Speaker 4>never say anything bad about him to them because it

0:23:18.240 --> 0:23:20.040
<v Speaker 4>just doesn't serve anyone anything.

0:23:20.160 --> 0:23:23.720
<v Speaker 2>That's iconic mum behavior that is so hard to do.

0:23:23.880 --> 0:23:27.000
<v Speaker 2>Like I thankfully I haven't done or been in that situation,

0:23:27.280 --> 0:23:31.000
<v Speaker 2>but you just know that that is such a powerful

0:23:31.119 --> 0:23:35.040
<v Speaker 2>piece that they're going to go into adulthood going hold on,

0:23:35.200 --> 0:23:37.719
<v Speaker 2>Like kids look back right, Like I've got friends and

0:23:37.800 --> 0:23:40.160
<v Speaker 2>family members who have been through that situation, and by

0:23:40.200 --> 0:23:41.919
<v Speaker 2>the time they're eighteen twenty, they look back and go,

0:23:42.000 --> 0:23:45.280
<v Speaker 2>hold on, the math isn't mathing far out. Mum's a

0:23:45.280 --> 0:23:48.520
<v Speaker 2>good egg. Like That's exactly what's going to happen.

0:23:48.600 --> 0:23:50.240
<v Speaker 4>And that's what I want them to see, you know, Like,

0:23:50.320 --> 0:23:53.480
<v Speaker 4>I'm very aware that this is like the hardest period

0:23:53.520 --> 0:23:56.199
<v Speaker 4>of my life. But what I want my kids to

0:23:56.240 --> 0:23:59.720
<v Speaker 4>see is yet dad up and left, but Mum turned

0:23:59.720 --> 0:24:03.119
<v Speaker 4>around and she killed it in her career and she

0:24:04.040 --> 0:24:05.800
<v Speaker 4>did all these great things. And that's kind of what

0:24:05.840 --> 0:24:07.920
<v Speaker 4>I want them to take from this, And I want

0:24:07.920 --> 0:24:09.600
<v Speaker 4>them to make up their own decision about him.

0:24:09.720 --> 0:24:11.560
<v Speaker 2>They will, Yeah, kids aren't silly.

0:24:11.840 --> 0:24:14.640
<v Speaker 4>No, my daughter, especially she's already figuring it out.

0:24:14.680 --> 0:24:17.679
<v Speaker 2>She's a bit of a she's too emotionally intelligent for

0:24:17.720 --> 0:24:20.800
<v Speaker 2>our own good at this point, which is really sweet.

0:24:20.880 --> 0:24:23.280
<v Speaker 2>But also you're just like, I wish you weren't as

0:24:23.280 --> 0:24:24.120
<v Speaker 2>smart as you are.

0:24:24.359 --> 0:24:26.440
<v Speaker 4>Yeah, and I just I wish you weren't going through this.

0:24:26.840 --> 0:24:30.240
<v Speaker 4>I wish I'd picked a better person. Sorry, babe, No.

0:24:30.280 --> 0:24:31.880
<v Speaker 2>You did the best that you could and you got her,

0:24:32.000 --> 0:24:35.159
<v Speaker 2>So like that's a perfect outcome. So talk to me.

0:24:35.480 --> 0:24:38.120
<v Speaker 2>You've just gone through all this, what are your current

0:24:38.160 --> 0:24:40.080
<v Speaker 2>big money goals? What are you working towards?

0:24:40.640 --> 0:24:43.000
<v Speaker 4>My biggest money goal, The biggest thing I want in

0:24:43.040 --> 0:24:47.399
<v Speaker 4>life is just to buy a home. So when we

0:24:47.440 --> 0:24:49.320
<v Speaker 4>moved here, we moved quite quickly and we wanted to

0:24:49.359 --> 0:24:51.640
<v Speaker 4>do that to get to where we were going before

0:24:51.640 --> 0:24:53.480
<v Speaker 4>the start of the school year for our kids. And

0:24:53.560 --> 0:24:56.159
<v Speaker 4>so we were renting because we're also selling the property

0:24:56.160 --> 0:24:59.280
<v Speaker 4>that we bought in our last city. So we're renting,

0:25:00.080 --> 0:25:02.160
<v Speaker 4>so have to move out of this rentals and moving back.

0:25:02.200 --> 0:25:04.919
<v Speaker 4>But that's a whole separate drama to deal with. Ah.

0:25:05.119 --> 0:25:07.600
<v Speaker 2>Of course, when it rains, it pause.

0:25:08.040 --> 0:25:10.840
<v Speaker 4>Literally it's like every day there's something new. So I

0:25:10.960 --> 0:25:13.680
<v Speaker 4>want more than anything to just buy a home for

0:25:13.800 --> 0:25:16.960
<v Speaker 4>my babies. I just want stability, and I want predictability,

0:25:17.600 --> 0:25:20.840
<v Speaker 4>and I just want to be able to have control

0:25:20.880 --> 0:25:22.920
<v Speaker 4>of my finances and to be able to take them

0:25:22.920 --> 0:25:25.320
<v Speaker 4>on holidays. I want them to experience different cultures and

0:25:25.359 --> 0:25:27.919
<v Speaker 4>see the world, and to be honest, those are my

0:25:28.000 --> 0:25:31.399
<v Speaker 4>two main money goals. Is just a lovely house for

0:25:31.480 --> 0:25:34.879
<v Speaker 4>my kids, an article home, and to expose them to

0:25:35.440 --> 0:25:39.480
<v Speaker 4>the world and to travel. So my like, I get it.

0:25:39.520 --> 0:25:42.359
<v Speaker 4>I'm incredibly fortunate that my parents, when this happened, they

0:25:42.520 --> 0:25:45.000
<v Speaker 4>insisted on, you know, helping me to try to buy

0:25:45.000 --> 0:25:47.880
<v Speaker 4>a home. Of course, at first I was like, nope,

0:25:47.880 --> 0:25:48.560
<v Speaker 4>per absolutely not.

0:25:48.880 --> 0:25:51.000
<v Speaker 2>I'm going to do this. I'm a strong independent woman.

0:25:51.440 --> 0:25:52.960
<v Speaker 4>Yeah, And I was just like, I need no, man,

0:25:53.040 --> 0:25:55.520
<v Speaker 4>They've worked so hard for so long. I don't want

0:25:55.520 --> 0:25:57.960
<v Speaker 4>them to then have to turn around and be my

0:25:58.040 --> 0:26:00.240
<v Speaker 4>parents again, you know. I want them to actually enjoy

0:26:00.280 --> 0:26:03.000
<v Speaker 4>being grandparents. But they were sort of like, well, everything

0:26:03.000 --> 0:26:04.719
<v Speaker 4>we've got just goes to you and your sister anyway,

0:26:04.720 --> 0:26:06.040
<v Speaker 4>so you may as well have it now than when

0:26:06.040 --> 0:26:08.080
<v Speaker 4>we kick the bucket. And so I was like, well, I.

0:26:08.000 --> 0:26:10.919
<v Speaker 2>Guess oh, and they can probably feel like they're really

0:26:10.960 --> 0:26:14.439
<v Speaker 2>helping you and their grandkids. Like I get that, but

0:26:14.560 --> 0:26:18.680
<v Speaker 2>also they're like, I don't know. Now I'm a mom

0:26:18.720 --> 0:26:22.919
<v Speaker 2>as well. I feel like if Harvey ever went through anything,

0:26:22.960 --> 0:26:25.560
<v Speaker 2>I'd be like no, no, no, I'll fix it, like and

0:26:25.760 --> 0:26:28.000
<v Speaker 2>like you have kids, you would bend over backwards. So

0:26:28.080 --> 0:26:30.040
<v Speaker 2>you kind of get it. And I mean, of course

0:26:30.080 --> 0:26:32.600
<v Speaker 2>it's a privilege, but like I think the powerful thing

0:26:32.640 --> 0:26:35.280
<v Speaker 2>here is we're talking about it and the different outcomes

0:26:35.320 --> 0:26:37.399
<v Speaker 2>and what that looks like. And that thing is often

0:26:37.560 --> 0:26:39.600
<v Speaker 2>a fair bit of guilt when you even have this

0:26:39.680 --> 0:26:42.800
<v Speaker 2>privilege and this access. So what does that look like?

0:26:42.880 --> 0:26:45.920
<v Speaker 2>Have you started talking to mortgage brokers? Have you started,

0:26:46.240 --> 0:26:48.840
<v Speaker 2>you know, that process of understanding what it could look like?

0:26:49.080 --> 0:26:51.600
<v Speaker 4>Yeah, so started down that path. A lot of it

0:26:51.800 --> 0:26:54.560
<v Speaker 4>was dependent on the outcome of the mediation, Yeah, of.

0:26:54.600 --> 0:26:58.160
<v Speaker 2>Course, because it would depend on then what payments you're getting,

0:26:58.200 --> 0:27:00.240
<v Speaker 2>which would play into how much you can borrow.

0:27:00.359 --> 0:27:02.960
<v Speaker 4>Yeah, so I have had my financial advice. So they've

0:27:03.000 --> 0:27:05.080
<v Speaker 4>got some mortgage brokers at work in their company and

0:27:05.080 --> 0:27:07.560
<v Speaker 4>they've sort of run some numbers for me, which is awesome.

0:27:08.080 --> 0:27:10.600
<v Speaker 4>But this is where it comes back into it with

0:27:10.640 --> 0:27:14.399
<v Speaker 4>my dad, where you know, don't talk about sex drugs, politics, religion,

0:27:14.480 --> 0:27:17.959
<v Speaker 4>or money. It's kind of like, Dad, I'm so grateful

0:27:18.000 --> 0:27:19.760
<v Speaker 4>that your mom are going to help, but like, what

0:27:19.800 --> 0:27:23.320
<v Speaker 4>does that look like in dollar terms? He's just like, oh, well,

0:27:23.600 --> 0:27:25.680
<v Speaker 4>would you just find a house and then we'll tell

0:27:25.720 --> 0:27:27.000
<v Speaker 4>you if we can do that or not. And I'm like,

0:27:27.040 --> 0:27:28.800
<v Speaker 4>it's not really how it works.

0:27:29.000 --> 0:27:33.080
<v Speaker 2>That then sets unrealistic expectations and it's really uncomfortable.

0:27:33.960 --> 0:27:37.000
<v Speaker 4>Yeah, and look he hasn't He's only ever been in

0:27:37.000 --> 0:27:39.120
<v Speaker 4>a regional area. It's like, no one a bloke who

0:27:39.160 --> 0:27:41.800
<v Speaker 4>knows a bloke, And so I don't think they quite

0:27:41.880 --> 0:27:44.440
<v Speaker 4>get how like the market and stuff works these days.

0:27:44.440 --> 0:27:47.200
<v Speaker 2>But yeah, it doesn't cost twenty thousand dollars to buy

0:27:47.200 --> 0:27:48.200
<v Speaker 2>a house any more. Dad.

0:27:48.520 --> 0:27:48.600
<v Speaker 4>No.

0:27:48.880 --> 0:27:51.600
<v Speaker 2>Yeah, so like it might actually not be feasible.

0:27:51.840 --> 0:27:54.960
<v Speaker 4>Yes, so let's figure out what is feasible. So they

0:27:55.000 --> 0:27:57.480
<v Speaker 4>have a financial advisor themselves, So I've said, can I

0:27:57.520 --> 0:27:59.760
<v Speaker 4>sit in on a meeting with her and we can talk,

0:27:59.760 --> 0:28:02.360
<v Speaker 4>because the first thing I want to talk to their

0:28:02.400 --> 0:28:05.240
<v Speaker 4>financial advisor about is to say, I just want to

0:28:05.240 --> 0:28:07.400
<v Speaker 4>make sure I'm not in any way going to be

0:28:07.920 --> 0:28:10.800
<v Speaker 4>negatively impacting their life, you know, So you tell me

0:28:10.920 --> 0:28:12.960
<v Speaker 4>as their financial advisor, what are you going to tell

0:28:13.000 --> 0:28:14.280
<v Speaker 4>them not to do? And what are you going to

0:28:14.280 --> 0:28:16.640
<v Speaker 4>tell them is actually like a.

0:28:16.600 --> 0:28:18.720
<v Speaker 2>Good thing to do and that's really thoughtful.

0:28:18.920 --> 0:28:20.520
<v Speaker 4>Yeah, and then the second thing will be, okay, like,

0:28:20.560 --> 0:28:22.840
<v Speaker 4>what are we talking about in terms of dollar figures?

0:28:23.320 --> 0:28:25.280
<v Speaker 4>So that's kind of where we are right now. I

0:28:25.320 --> 0:28:28.520
<v Speaker 4>should have that meeting next week, and then I'll meet

0:28:28.520 --> 0:28:30.680
<v Speaker 4>with my financial advisor. Because the banks want to see

0:28:30.720 --> 0:28:33.840
<v Speaker 4>like three to six months of the child'sport payments coming through,

0:28:34.440 --> 0:28:36.600
<v Speaker 4>I'll need to wait a little bit. My huge, massive

0:28:36.640 --> 0:28:39.880
<v Speaker 4>goal is I would love to be in the new

0:28:39.880 --> 0:28:41.760
<v Speaker 4>house by the time the kids start the twenty twenty

0:28:41.760 --> 0:28:42.440
<v Speaker 4>five school year.

0:28:42.560 --> 0:28:44.400
<v Speaker 2>I'm sure it can happen. We're manifesting this.

0:28:44.800 --> 0:28:46.960
<v Speaker 4>My friend taught me how to manifest under the full moon,

0:28:47.120 --> 0:28:47.760
<v Speaker 4>so I did that.

0:28:47.840 --> 0:28:49.080
<v Speaker 2>Okay, good, I love this.

0:28:49.320 --> 0:28:50.720
<v Speaker 4>I mean, what have we got to lose at this point?

0:28:50.840 --> 0:28:55.640
<v Speaker 2>Literally? Nothing? Literally nothing like not one thing. All right,

0:28:55.720 --> 0:28:57.680
<v Speaker 2>let's go to a really quick break and on the

0:28:57.680 --> 0:28:59.960
<v Speaker 2>flip side, I want to talk about investments and debt

0:29:00.240 --> 0:29:02.720
<v Speaker 2>and best and worst money habit, So don't go anywhere

0:29:06.360 --> 0:29:09.600
<v Speaker 2>money direst we are back. I'm gonna talk investments, but

0:29:09.640 --> 0:29:11.520
<v Speaker 2>I actually want to step a little bit back. When

0:29:11.520 --> 0:29:14.840
<v Speaker 2>you're in mediation, did you talk about superannuation? Did you

0:29:14.960 --> 0:29:17.000
<v Speaker 2>negotiate for any what did that look like?

0:29:17.360 --> 0:29:19.360
<v Speaker 4>Yes? We did. This was again where he came in

0:29:19.480 --> 0:29:20.240
<v Speaker 4>very unprepared.

0:29:20.400 --> 0:29:25.080
<v Speaker 2>Get it, queen, I love this so much. I'm like deserved, deserved.

0:29:25.320 --> 0:29:27.960
<v Speaker 4>Yeah, well, I mean yeah, if you understood how like

0:29:28.040 --> 0:29:31.040
<v Speaker 4>Beta I had been in my relationship, you would be like,

0:29:31.080 --> 0:29:33.240
<v Speaker 4>who is this person? Like, I'm just like, let's take

0:29:33.280 --> 0:29:34.640
<v Speaker 4>control of our life now. Oh no.

0:29:34.800 --> 0:29:38.000
<v Speaker 2>He was shocked too, and that's what we want. We

0:29:38.120 --> 0:29:39.480
<v Speaker 2>want to blindside him.

0:29:39.640 --> 0:29:42.520
<v Speaker 4>Yeah, So when the subject of super was brought up,

0:29:42.600 --> 0:29:44.400
<v Speaker 4>he was kind of like, what why do you get

0:29:44.400 --> 0:29:45.320
<v Speaker 4>my super? Ah?

0:29:45.560 --> 0:29:47.719
<v Speaker 2>I love this so much, and you were like, well, actually,

0:29:47.760 --> 0:29:49.840
<v Speaker 2>here is the research, here is the reason why.

0:29:49.880 --> 0:29:51.200
<v Speaker 4>Well and I didn't even have to say it. The

0:29:51.200 --> 0:29:53.600
<v Speaker 4>mediator said it, which was even better, and I was like,

0:29:53.640 --> 0:29:55.560
<v Speaker 4>you know, I took nine years out of full time work,

0:29:55.960 --> 0:29:59.120
<v Speaker 4>my earning capacity, my earning potential, blah blah blah. And

0:29:59.120 --> 0:30:00.960
<v Speaker 4>then he's like, yeah, but I'm years older, so I'm

0:30:01.000 --> 0:30:04.040
<v Speaker 4>closer to retirement than you. And it was like irrelevant.

0:30:04.120 --> 0:30:06.440
<v Speaker 2>We had eight years more to think about this terrible decision.

0:30:06.520 --> 0:30:08.959
<v Speaker 4>Didn't you also, and as the mediator pointed out, but

0:30:09.000 --> 0:30:10.960
<v Speaker 4>you also still earn triple what she earns.

0:30:11.120 --> 0:30:14.600
<v Speaker 2>I love this mediator, this mediator we know in the background.

0:30:14.600 --> 0:30:17.400
<v Speaker 2>This mediator was like money, darist, I'm on your team.

0:30:17.560 --> 0:30:20.360
<v Speaker 4>Well he was recommended by my lawyer for that reason.

0:30:20.840 --> 0:30:21.240
<v Speaker 2>Iconic.

0:30:21.520 --> 0:30:24.560
<v Speaker 4>Yeah. And so in the end, part of my negotiating

0:30:24.800 --> 0:30:27.880
<v Speaker 4>was I negotiated for a higher figure for the monthly

0:30:27.920 --> 0:30:30.160
<v Speaker 4>payment and said I want fifty percent of your super

0:30:30.440 --> 0:30:32.320
<v Speaker 4>and he was like, absolutely not to both. And I

0:30:32.360 --> 0:30:35.840
<v Speaker 4>was like, okay, fine, what about an equalization of super.

0:30:36.120 --> 0:30:37.760
<v Speaker 4>He was like, what does that even mean. I was like,

0:30:38.480 --> 0:30:40.920
<v Speaker 4>silly boy, it means we joined them together and then

0:30:40.920 --> 0:30:43.520
<v Speaker 4>we split them in half. And he was like, okay, fine,

0:30:44.000 --> 0:30:46.040
<v Speaker 4>we'll do that. But then the mediator said, well, actually,

0:30:46.040 --> 0:30:47.440
<v Speaker 4>I don't think the court will sign off on that

0:30:47.600 --> 0:30:50.240
<v Speaker 4>because that's not a fair division. So in the end,

0:30:50.520 --> 0:30:52.360
<v Speaker 4>I've gotten sixty percent of you Super.

0:30:53.640 --> 0:30:56.120
<v Speaker 2>It's not a fair division. You asked for half, and

0:30:56.200 --> 0:31:00.000
<v Speaker 2>now you've got sixty percent of you Super. I'm so sorry.

0:31:00.080 --> 0:31:03.280
<v Speaker 2>I shouldn't laugh at this because obviously, like you know,

0:31:03.440 --> 0:31:06.640
<v Speaker 2>there's two sides, or there's actually three sides to every story,

0:31:06.880 --> 0:31:10.440
<v Speaker 2>but like, you know, he deserves to be financially secure

0:31:10.480 --> 0:31:14.080
<v Speaker 2>as well, of course, but like not going in prepared

0:31:14.600 --> 0:31:18.440
<v Speaker 2>saying that fifty percent's not okay, continuing the conversation, ending

0:31:18.480 --> 0:31:22.560
<v Speaker 2>up with forty percent. Oh, I love this. So you

0:31:22.640 --> 0:31:24.320
<v Speaker 2>got sixty percent of your super.

0:31:24.240 --> 0:31:26.360
<v Speaker 4>Yep, and now I need to work with my financial

0:31:26.400 --> 0:31:28.880
<v Speaker 4>advisor about where we put that and how we put

0:31:28.880 --> 0:31:31.840
<v Speaker 4>that in some super aggressive accounts to make sure that

0:31:31.840 --> 0:31:33.040
<v Speaker 4>that's doing the most it can do.

0:31:33.320 --> 0:31:35.880
<v Speaker 2>Yeah, Oh my gosh, Like that is probably my favorite

0:31:35.880 --> 0:31:39.280
<v Speaker 2>thing I've heard all day. So where does that put

0:31:39.320 --> 0:31:44.680
<v Speaker 2>you in relation to the average superannuation balance for your age?

0:31:45.240 --> 0:31:47.640
<v Speaker 4>What is the average balance? I don't know. I think

0:31:47.640 --> 0:31:50.640
<v Speaker 4>it will end me with about one hundred and eighty

0:31:50.760 --> 0:31:53.560
<v Speaker 4>five thousand in super. Yeah, so that puts you way

0:31:53.600 --> 0:31:56.600
<v Speaker 4>above and beyond for your age because you're thirty five.

0:31:57.120 --> 0:32:00.200
<v Speaker 4>So that means that you are doing really well ten

0:32:00.240 --> 0:32:00.760
<v Speaker 4>out of ten.

0:32:01.000 --> 0:32:03.080
<v Speaker 2>I like that is set you up. In a couple

0:32:03.120 --> 0:32:04.600
<v Speaker 2>of years, You're going to be like, this was the

0:32:04.640 --> 0:32:08.040
<v Speaker 2>best thing that ever happened to me. Sometimes I like

0:32:08.160 --> 0:32:11.960
<v Speaker 2>seeing women win, and today is that day. So tell

0:32:11.960 --> 0:32:14.760
<v Speaker 2>me a bit more about investments now, So you're obviously

0:32:15.080 --> 0:32:19.240
<v Speaker 2>you've got some superminuation. You now are backup where potentially

0:32:19.280 --> 0:32:22.320
<v Speaker 2>you could have been had you worked those nine years.

0:32:23.320 --> 0:32:27.160
<v Speaker 2>What other investments do you potentially have if you don't?

0:32:27.440 --> 0:32:30.240
<v Speaker 2>Obviously completely fine? But like, have you thought about it?

0:32:30.280 --> 0:32:31.120
<v Speaker 2>What does that look like?

0:32:31.400 --> 0:32:36.040
<v Speaker 4>Yeah? So I was always really scared of investing. I

0:32:36.080 --> 0:32:38.960
<v Speaker 4>always wanted to invest in property. My dream has always

0:32:39.000 --> 0:32:41.160
<v Speaker 4>kind of been to have like investment properties and stuff

0:32:41.160 --> 0:32:43.120
<v Speaker 4>like that, but we've just never been in a financial

0:32:43.120 --> 0:32:46.480
<v Speaker 4>position to do that. But listening to you guys made

0:32:46.560 --> 0:32:48.680
<v Speaker 4>me just decide not to be so scared of it.

0:32:48.720 --> 0:32:50.000
<v Speaker 4>So I downloaded.

0:32:49.560 --> 0:32:52.080
<v Speaker 2>Chase's Oh I can't, I can't.

0:32:52.120 --> 0:32:55.840
<v Speaker 4>I got my ten dollars, I contributed another thirty, and

0:32:55.880 --> 0:32:57.360
<v Speaker 4>I was just like, well, you know, you've got to

0:32:57.400 --> 0:32:59.120
<v Speaker 4>start somewhere. I've got to be in it to win it.

0:32:59.080 --> 0:32:59.840
<v Speaker 2>One hundred percent.

0:33:00.040 --> 0:33:01.760
<v Speaker 4>And I just look, I didn't do a whole bunch

0:33:01.760 --> 0:33:05.440
<v Speaker 4>of research. I just invested into companies that I buy

0:33:05.480 --> 0:33:07.560
<v Speaker 4>from a lot and was like, well, I may as

0:33:07.560 --> 0:33:08.680
<v Speaker 4>well be a shareholder there.

0:33:09.440 --> 0:33:12.000
<v Speaker 2>I love this, You're buying from your own business.

0:33:12.200 --> 0:33:14.360
<v Speaker 4>There's a lot more research I need to do. I

0:33:14.400 --> 0:33:17.800
<v Speaker 4>need to like sit down and I need to invest

0:33:17.840 --> 0:33:20.320
<v Speaker 4>in your investing course and all that kind of stuff

0:33:20.400 --> 0:33:21.880
<v Speaker 4>when I've got time to sit and.

0:33:21.760 --> 0:33:23.240
<v Speaker 2>Do it one hundred percent.

0:33:22.960 --> 0:33:25.000
<v Speaker 4>Because I need to do that. I need to And

0:33:25.040 --> 0:33:26.640
<v Speaker 4>that's what I love about this is like breaking down

0:33:26.680 --> 0:33:29.880
<v Speaker 4>that barrier, is making it approachable and accessible for just

0:33:30.000 --> 0:33:32.040
<v Speaker 4>normal people. I think it was just something this is

0:33:32.080 --> 0:33:33.920
<v Speaker 4>how the rich kept getting richer? Is it was all

0:33:33.960 --> 0:33:38.760
<v Speaker 4>this like secretive stuff that the everyday person didn't understand,

0:33:38.760 --> 0:33:39.560
<v Speaker 4>and now that we can.

0:33:39.720 --> 0:33:42.680
<v Speaker 2>It's literally why I left being a financial advisor because

0:33:42.720 --> 0:33:45.800
<v Speaker 2>the information that I was sharing every single day, I

0:33:45.880 --> 0:33:48.800
<v Speaker 2>just knew how powerful it was when put into the

0:33:48.880 --> 0:33:51.160
<v Speaker 2>right hands. But the hands that I was putting it

0:33:51.200 --> 0:33:54.160
<v Speaker 2>into were the ones that could afford it, and the

0:33:54.160 --> 0:33:57.719
<v Speaker 2>ones that could afford it like amazing, incredible, Like I

0:33:57.760 --> 0:33:59.480
<v Speaker 2>was so happy that I could do that, But it

0:33:59.560 --> 0:34:02.280
<v Speaker 2>was always in the back of my mind that how

0:34:02.360 --> 0:34:04.160
<v Speaker 2>much more powerful would it be if it was in

0:34:04.160 --> 0:34:06.400
<v Speaker 2>the hands of you know, thirty five year old money

0:34:06.440 --> 0:34:09.000
<v Speaker 2>diarist who has just gone through a divorce and needs

0:34:09.040 --> 0:34:13.440
<v Speaker 2>that support and deserves to absolutely shine, but wouldn't know

0:34:13.440 --> 0:34:15.920
<v Speaker 2>where to start. Like that's what I wanted to do,

0:34:16.120 --> 0:34:19.600
<v Speaker 2>And obviously I'm so proud that I have. But now

0:34:19.600 --> 0:34:21.080
<v Speaker 2>I just know that we're in the right place and

0:34:21.120 --> 0:34:24.600
<v Speaker 2>we've made financial advice accessible. And I mean, as you said,

0:34:24.640 --> 0:34:27.279
<v Speaker 2>you've got a financial advisor. Bit like, there is this

0:34:27.400 --> 0:34:31.400
<v Speaker 2>barrier even with financial advisors where often, especially as women,

0:34:31.440 --> 0:34:34.360
<v Speaker 2>we just hand over the keys to the kingdom because

0:34:35.040 --> 0:34:38.120
<v Speaker 2>they're usually male and they can run it for us

0:34:38.120 --> 0:34:40.719
<v Speaker 2>and they tell us what we need. But even if

0:34:40.760 --> 0:34:43.200
<v Speaker 2>you have a financial advisor, going and doing the investing

0:34:43.239 --> 0:34:46.160
<v Speaker 2>masterclass or listening to the podcast means that you go

0:34:46.239 --> 0:34:48.920
<v Speaker 2>to those meetings so much more informed, so much more empowered,

0:34:49.000 --> 0:34:50.920
<v Speaker 2>so much more motivated because you're like, well, actually, I

0:34:50.960 --> 0:34:53.400
<v Speaker 2>know it's possible. I don't just have this dude that

0:34:53.480 --> 0:34:55.720
<v Speaker 2>sits down and shows me a graph and says money

0:34:55.719 --> 0:34:58.160
<v Speaker 2>direst in this many years you will have X many

0:34:58.200 --> 0:35:01.719
<v Speaker 2>dollars and you go, ah, okay, like you're empowered by

0:35:01.760 --> 0:35:04.640
<v Speaker 2>it as opposed to overwhelmed. And I just think it's

0:35:04.640 --> 0:35:05.160
<v Speaker 2>so smart.

0:35:05.280 --> 0:35:07.000
<v Speaker 4>I'm just learning those that, Like there's been so many

0:35:07.040 --> 0:35:08.960
<v Speaker 4>like little things that I've learned, because I mean, I've

0:35:09.000 --> 0:35:12.680
<v Speaker 4>like binged like your whole catalog pretty much in the

0:35:12.800 --> 0:35:13.440
<v Speaker 4>last foremost.

0:35:13.640 --> 0:35:17.080
<v Speaker 2>Sorry that you're probably over me, but I'm not going anywhere,

0:35:17.280 --> 0:35:17.640
<v Speaker 2>So I.

0:35:17.640 --> 0:35:19.960
<v Speaker 4>Love that and just even little things right because I

0:35:20.000 --> 0:35:22.719
<v Speaker 4>was like, traditionally, I've always been paid monthly, and now

0:35:22.719 --> 0:35:24.319
<v Speaker 4>I get paid weekly, And I was like, Oh, that's

0:35:24.320 --> 0:35:27.200
<v Speaker 4>so annoying for like cash flow. But then I heard

0:35:27.239 --> 0:35:29.719
<v Speaker 4>you guys talking on an episode recently where you were like,

0:35:29.960 --> 0:35:32.600
<v Speaker 4>it's actually better to pay your mortgage weekly because and

0:35:32.600 --> 0:35:34.600
<v Speaker 4>I was like, oh.

0:35:33.880 --> 0:35:36.760
<v Speaker 2>It is because you save on interest. Yeah.

0:35:36.800 --> 0:35:38.719
<v Speaker 4>So then I'm like, actually, that's a great thing. But

0:35:38.760 --> 0:35:39.640
<v Speaker 4>I get paid weekly.

0:35:39.840 --> 0:35:41.640
<v Speaker 2>Yeah, and you can automate it, like you could do

0:35:41.680 --> 0:35:45.239
<v Speaker 2>a direct like debit and transfer it all automatically so

0:35:45.280 --> 0:35:47.960
<v Speaker 2>that your money's working super hard for you exactly. Yeah,

0:35:48.000 --> 0:35:50.520
<v Speaker 2>smart women doing smart things money, diriced, I want to

0:35:50.560 --> 0:35:52.920
<v Speaker 2>know do you have any debt currently or did you

0:35:52.960 --> 0:35:53.879
<v Speaker 2>come out on top?

0:35:54.040 --> 0:35:57.480
<v Speaker 4>We cleared the debts, so that's part of why we've

0:35:57.520 --> 0:35:59.759
<v Speaker 4>not got much in the property pool clean slate though.

0:36:00.239 --> 0:36:01.160
<v Speaker 2>That that's how I.

0:36:01.120 --> 0:36:03.560
<v Speaker 4>Kind of look at it, is like, let's just start

0:36:03.560 --> 0:36:07.560
<v Speaker 4>from here, So no debts, which is good you from

0:36:07.560 --> 0:36:13.200
<v Speaker 4>my perspective or an icon like you negotiated his superinnuation.

0:36:13.480 --> 0:36:15.600
<v Speaker 4>You've come out of it with a really good child

0:36:15.640 --> 0:36:18.200
<v Speaker 4>support payment. He probably didn't see this coming. He's like,

0:36:18.239 --> 0:36:20.160
<v Speaker 4>this is actually not how I thought this would go.

0:36:20.760 --> 0:36:22.759
<v Speaker 4>I'm lucky for you, sir, but I feel like you

0:36:22.800 --> 0:36:24.920
<v Speaker 4>do have a few good money habits. What do you

0:36:24.960 --> 0:36:28.440
<v Speaker 4>think is your best money habit? I never buy anything

0:36:28.520 --> 0:36:31.760
<v Speaker 4>full price. I can't bring myself to do it, especially

0:36:31.760 --> 0:36:33.680
<v Speaker 4>when it comes to like clothes and stuff like that.

0:36:33.840 --> 0:36:36.400
<v Speaker 4>I always always wait for a sale, and I often

0:36:36.440 --> 0:36:39.759
<v Speaker 4>do the like put a cart, log in, make an

0:36:39.800 --> 0:36:42.520
<v Speaker 4>online cart, and then you log out of it and

0:36:42.560 --> 0:36:44.560
<v Speaker 4>like close it down, and then they'll send you like, hey,

0:36:44.880 --> 0:36:48.040
<v Speaker 4>we'll give you fifteen percent off your cart because they're

0:36:48.040 --> 0:36:49.160
<v Speaker 4>afraid that you're about to go.

0:36:49.320 --> 0:36:51.080
<v Speaker 2>Yeah, because like you're a lost cart.

0:36:51.239 --> 0:36:53.200
<v Speaker 4>The other good one I do is I love like

0:36:53.239 --> 0:36:55.399
<v Speaker 4>skin treatments and stuff like that, and a lot of

0:36:55.440 --> 0:36:59.960
<v Speaker 4>like the big companies they'll do like sixty percent off

0:37:00.239 --> 0:37:04.359
<v Speaker 4>day sales, and so I buy, like for like skin

0:37:04.440 --> 0:37:07.359
<v Speaker 4>needling treatments, and then I use them over the course

0:37:07.400 --> 0:37:09.520
<v Speaker 4>of the year because you get them like sixty percent

0:37:09.560 --> 0:37:11.920
<v Speaker 4>of so that I kind of try to hack the timing.

0:37:12.040 --> 0:37:15.560
<v Speaker 2>Oh that's smart, So you like bulk by to make

0:37:15.600 --> 0:37:18.000
<v Speaker 2>sure that you're getting good value. I love that skin

0:37:18.080 --> 0:37:20.080
<v Speaker 2>ealing is something that I've wanted to do for so long.

0:37:20.120 --> 0:37:22.000
<v Speaker 2>I have to ask you about it off air because

0:37:22.040 --> 0:37:24.080
<v Speaker 2>I'm like, what else can I do for my skin?

0:37:24.160 --> 0:37:26.600
<v Speaker 2>I feel like you hit thirty and it really starts

0:37:26.640 --> 0:37:28.080
<v Speaker 2>to feel like things decline.

0:37:28.280 --> 0:37:30.400
<v Speaker 4>Yeah, and if you couple the skin needling with some

0:37:30.640 --> 0:37:31.359
<v Speaker 4>laser all.

0:37:31.320 --> 0:37:33.200
<v Speaker 2>Right, all right, I'm on it. I'm on it, all right.

0:37:33.239 --> 0:37:35.480
<v Speaker 2>I want to know. On the flip side, though, what's

0:37:35.520 --> 0:37:36.480
<v Speaker 2>your worst money? Have it?

0:37:36.600 --> 0:37:38.680
<v Speaker 4>The aforementioned ADHD.

0:37:39.640 --> 0:37:42.040
<v Speaker 2>You're just a little bit spendy, a little bit impulsive.

0:37:42.360 --> 0:37:44.879
<v Speaker 4>I'm so spendy. I'm so impulsive.

0:37:45.239 --> 0:37:48.800
<v Speaker 2>I just am like, we're just a little bit neurospicy, exactly,

0:37:48.960 --> 0:37:50.799
<v Speaker 2>and I need to get better at that.

0:37:50.880 --> 0:37:53.879
<v Speaker 4>But I think and even like learning about like up

0:37:53.920 --> 0:37:55.919
<v Speaker 4>bank by listening to you guys, like I've started creating

0:37:55.920 --> 0:37:58.880
<v Speaker 4>all those little tiny accounts, and for me that's already

0:37:58.920 --> 0:38:01.560
<v Speaker 4>just feeling like I've got so much more control about it. Like,

0:38:02.000 --> 0:38:03.759
<v Speaker 4>and I think for me to just have this is

0:38:03.800 --> 0:38:06.600
<v Speaker 4>your pool of money for the month, it just doesn't work.

0:38:06.680 --> 0:38:07.720
<v Speaker 4>I just go crazy.

0:38:07.719 --> 0:38:08.000
<v Speaker 2>Words.

0:38:08.040 --> 0:38:11.640
<v Speaker 4>If I'm like, you have one hundred dollars a month

0:38:11.760 --> 0:38:16.279
<v Speaker 4>to spend on lunches, you have two hundred dollars a

0:38:16.280 --> 0:38:19.000
<v Speaker 4>month to spend on I don't know, clothes for the kids.

0:38:19.040 --> 0:38:21.040
<v Speaker 4>Whatever it might be that seems excessive for the kid,

0:38:21.120 --> 0:38:21.480
<v Speaker 4>but whatever.

0:38:21.600 --> 0:38:22.600
<v Speaker 2>It's just a good example.

0:38:22.719 --> 0:38:25.440
<v Speaker 4>Yeah, yeah, that really works for me and my brain,

0:38:25.480 --> 0:38:27.920
<v Speaker 4>and so I need to start kind of really implementing

0:38:27.920 --> 0:38:30.319
<v Speaker 4>that a bit more bucketing things. Yeah, bucketing I think

0:38:30.320 --> 0:38:32.799
<v Speaker 4>for me will be really huge. And I think I

0:38:32.840 --> 0:38:36.279
<v Speaker 4>haven't had my own money and my own control over

0:38:36.360 --> 0:38:38.520
<v Speaker 4>my money for like ten plus years.

0:38:38.520 --> 0:38:41.319
<v Speaker 2>So you are living. I'm actually going to set you

0:38:41.400 --> 0:38:45.040
<v Speaker 2>up with my Money Masterclass, which has a whole budget

0:38:45.040 --> 0:38:48.160
<v Speaker 2>and cash flow system for you, and it does it automated,

0:38:48.440 --> 0:38:51.239
<v Speaker 2>so it is a very bucket system and it integrates

0:38:51.280 --> 0:38:54.160
<v Speaker 2>really well with upbank. You can use any bank literally,

0:38:54.440 --> 0:38:57.200
<v Speaker 2>but like once you get your fun money as well,

0:38:57.200 --> 0:38:59.560
<v Speaker 2>because I have a food, fuel and fun account and

0:38:59.560 --> 0:39:01.439
<v Speaker 2>we put our in there every week, and like I've

0:39:01.480 --> 0:39:04.480
<v Speaker 2>done it based on my spending as someone who is

0:39:05.120 --> 0:39:08.480
<v Speaker 2>pretty neurospicy, Like this is how I got to manage it,

0:39:08.880 --> 0:39:12.560
<v Speaker 2>and it seems to work across the board. But it's

0:39:12.600 --> 0:39:15.040
<v Speaker 2>going to show you how it breaks down and kind

0:39:15.080 --> 0:39:17.120
<v Speaker 2>of put away the stuff that you need to put away,

0:39:17.120 --> 0:39:19.160
<v Speaker 2>but then give you access to the things that you

0:39:19.400 --> 0:39:21.640
<v Speaker 2>need access to. And I think that that will actually

0:39:21.640 --> 0:39:24.520
<v Speaker 2>turbocharge your budgeting and cash flow because it plugs into

0:39:24.520 --> 0:39:27.759
<v Speaker 2>what you're already using. And like, we love a spreadsheet

0:39:27.800 --> 0:39:30.160
<v Speaker 2>and it has a whole kids section, Like you are

0:39:30.239 --> 0:39:33.239
<v Speaker 2>going to be absolutely killing it, and I can't wait.

0:39:34.360 --> 0:39:37.680
<v Speaker 2>Money durist at the start we got on and I

0:39:37.719 --> 0:39:40.640
<v Speaker 2>was like, oh, this is going to be a bit sad,

0:39:40.880 --> 0:39:42.600
<v Speaker 2>like this is not going to be great. You know,

0:39:42.760 --> 0:39:46.120
<v Speaker 2>she's told us that she thinks she's a cautionary tale.

0:39:46.400 --> 0:39:52.080
<v Speaker 2>She just said, oh, my money grade's probably DDUS. I'm sorry.

0:39:52.480 --> 0:39:55.840
<v Speaker 2>What kind of D minus negotiates and gets sixty percent

0:39:55.960 --> 0:40:00.040
<v Speaker 2>of their ex husband's super inuation? What kind of D

0:40:00.160 --> 0:40:03.760
<v Speaker 2>minus gets a four thousand dollars a month child support payment?

0:40:03.760 --> 0:40:06.560
<v Speaker 2>Because they were like absolutely not. Who is that smart

0:40:06.600 --> 0:40:08.480
<v Speaker 2>that they go to their best friend that they did

0:40:08.600 --> 0:40:10.719
<v Speaker 2>university with and says, actually, can you let me know

0:40:10.760 --> 0:40:13.680
<v Speaker 2>what your career trajectory looked? Like, okay, you were on

0:40:13.680 --> 0:40:15.520
<v Speaker 2>two hundred and ten thousand dollars and then takes that

0:40:15.560 --> 0:40:17.759
<v Speaker 2>to mediation and says, this is where I could have been,

0:40:17.840 --> 0:40:20.800
<v Speaker 2>this is what I'm missing out. Sorry, is that deep

0:40:20.880 --> 0:40:24.279
<v Speaker 2>minus behavior like you might not feel like you're that

0:40:24.360 --> 0:40:28.320
<v Speaker 2>good at it, but I'm pretty good at judging people's

0:40:28.600 --> 0:40:31.080
<v Speaker 2>you know, money stories, and yours is telling me that

0:40:31.120 --> 0:40:33.800
<v Speaker 2>you are like very very A plus. I mean, you

0:40:33.880 --> 0:40:35.799
<v Speaker 2>might not feel like you're there yet because you're like,

0:40:35.840 --> 0:40:37.920
<v Speaker 2>look the I haven't got the house, I haven't got

0:40:37.960 --> 0:40:40.280
<v Speaker 2>the savings. Like I just I feel like I'm behind.

0:40:40.680 --> 0:40:43.000
<v Speaker 2>But like, you're thirty five, You've got a clean slate,

0:40:43.040 --> 0:40:45.640
<v Speaker 2>you've got a great super fund, you've got two beautiful kids,

0:40:45.680 --> 0:40:50.000
<v Speaker 2>and you are able to afford a very comfortable lifestyle.

0:40:50.360 --> 0:40:52.680
<v Speaker 2>What do you actually reckon you are after this conversation?

0:40:53.040 --> 0:40:55.960
<v Speaker 4>Okay, I love the reframe because I had not considered

0:40:56.000 --> 0:40:59.800
<v Speaker 4>any of that stuff as part of my financial grading.

0:41:00.320 --> 0:41:03.680
<v Speaker 4>I was more thinking of my day to day spending habits.

0:41:03.800 --> 0:41:06.200
<v Speaker 2>Do I spend too much? Yeah? I go to sandwich today.

0:41:06.880 --> 0:41:10.280
<v Speaker 4>All right, I will give myself a B plus because

0:41:10.320 --> 0:41:12.839
<v Speaker 4>I do feel like I'm proud of myself and negotiating

0:41:12.880 --> 0:41:13.400
<v Speaker 4>real hard.

0:41:13.560 --> 0:41:16.000
<v Speaker 2>Oh, you are an icon, and I hope that people

0:41:16.040 --> 0:41:18.000
<v Speaker 2>listen to this and if ever they find themselves in

0:41:18.040 --> 0:41:21.200
<v Speaker 2>a similar position, which obviously we don't wish on anyone,

0:41:21.280 --> 0:41:24.520
<v Speaker 2>but if you do, here's an example of who we

0:41:24.560 --> 0:41:27.560
<v Speaker 2>want to be in those moments, like we want to

0:41:27.680 --> 0:41:32.759
<v Speaker 2>channel out inner money arrested, like literally asking for what

0:41:32.800 --> 0:41:34.759
<v Speaker 2>you deserve. You won't even asking for more. You were

0:41:34.800 --> 0:41:36.359
<v Speaker 2>just like, this is where I would have been career wise.

0:41:36.480 --> 0:41:38.480
<v Speaker 2>So if we could just make sure that I'm not

0:41:38.520 --> 0:41:40.520
<v Speaker 2>missing out, that would be fantastic. Thank you.

0:41:40.719 --> 0:41:43.319
<v Speaker 4>Yeah, And I think it's about just no one wants

0:41:43.320 --> 0:41:46.080
<v Speaker 4>to think about this happening. I certainly didn't. I certainly

0:41:46.120 --> 0:41:48.640
<v Speaker 4>never thought this was in my life. And there were

0:41:48.680 --> 0:41:50.759
<v Speaker 4>many times throughout my relationship where I was like, I'm

0:41:50.760 --> 0:41:52.600
<v Speaker 4>really being a bad feminist. I need to have my

0:41:52.600 --> 0:41:55.000
<v Speaker 4>own account because like, what if you go crazy one

0:41:55.040 --> 0:41:57.040
<v Speaker 4>day and I have to leave? And he was always like,

0:41:57.160 --> 0:41:58.200
<v Speaker 4>don't be silly, Oh.

0:41:58.160 --> 0:42:00.799
<v Speaker 2>Don't be silly. You know why you didn't have to

0:42:00.800 --> 0:42:01.960
<v Speaker 2>be silly because he was.

0:42:02.239 --> 0:42:04.600
<v Speaker 4>Yeah, So I would just say to all women, just

0:42:04.719 --> 0:42:09.439
<v Speaker 4>have your own account with something in it for one

0:42:09.520 --> 0:42:10.759
<v Speaker 4>day exactly.

0:42:11.040 --> 0:42:14.160
<v Speaker 2>I feel like this has been a really good chat.

0:42:14.239 --> 0:42:16.239
<v Speaker 2>I'm so sad that we don't have more time to

0:42:16.360 --> 0:42:21.120
<v Speaker 2>chat about literally everything including skin needling, but alas we've

0:42:21.160 --> 0:42:23.359
<v Speaker 2>run out of time. Thank you so much for joining us.

0:42:23.440 --> 0:42:27.319
<v Speaker 2>I have absolutely adored this money Diary. I feel like, yes,

0:42:27.360 --> 0:42:29.520
<v Speaker 2>it serves as a cautionary tale to make sure that

0:42:29.600 --> 0:42:31.640
<v Speaker 2>you have your own emergency fund, you've got access to

0:42:31.640 --> 0:42:33.640
<v Speaker 2>your cash, and that we aren't letting all of those

0:42:33.719 --> 0:42:37.520
<v Speaker 2>little steps lead us completely off path. But also that

0:42:37.760 --> 0:42:39.880
<v Speaker 2>when these things happen, we don't bury our heads in

0:42:39.880 --> 0:42:42.400
<v Speaker 2>the sand, because if we do, we end up in

0:42:42.440 --> 0:42:45.000
<v Speaker 2>a worse off position. And you've proved that by not

0:42:45.080 --> 0:42:47.520
<v Speaker 2>burying your head in the sand, like you've put yourself

0:42:47.719 --> 0:42:49.799
<v Speaker 2>not only on a clean slate, but you have put

0:42:49.840 --> 0:42:52.000
<v Speaker 2>yourself in a position where you are going to thrive.

0:42:52.120 --> 0:42:55.200
<v Speaker 2>And I cannot wait to see it. So stay in contact,

0:42:55.280 --> 0:42:55.720
<v Speaker 2>my friend.

0:42:56.080 --> 0:42:58.200
<v Speaker 4>I will when I finally buy the house, I will

0:42:58.200 --> 0:42:58.600
<v Speaker 4>tell you.

0:42:58.680 --> 0:43:01.520
<v Speaker 2>Oh, I'm so excited. Please tell me. And I hope

0:43:01.520 --> 0:43:03.920
<v Speaker 2>that we cross paths in person at some point. So

0:43:04.040 --> 0:43:13.440
<v Speaker 2>thank you so much, thank you. The advice shared on

0:43:13.560 --> 0:43:16.040
<v Speaker 2>She's on the Money is general in nature and does

0:43:16.080 --> 0:43:20.040
<v Speaker 2>not consider your individual circumstances. She's on the Money exists

0:43:20.160 --> 0:43:23.359
<v Speaker 2>purely for educational purposes and should not be relied upon

0:43:23.440 --> 0:43:26.480
<v Speaker 2>to make an investment or financial decision. If you do

0:43:26.600 --> 0:43:29.600
<v Speaker 2>choose to buy a financial product, read the PDS TMD

0:43:29.760 --> 0:43:34.040
<v Speaker 2>and obtain appropriate financial advice tailored towards your needs. Victoria

0:43:34.080 --> 0:43:37.919
<v Speaker 2>Divine and She's on the Money are authorized representatives of Money.

0:43:37.960 --> 0:43:41.919
<v Speaker 2>Sheper Pty Ltd ABN three two one is six four

0:43:42.000 --> 0:43:45.879
<v Speaker 2>nine two seven seven zero eight AFSL four five one

0:43:46.080 --> 0:43:47.960
<v Speaker 2>two eight nine