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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 2: that makes personal finance fun, especially on Fridays. It's actually

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

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Speaker 2: little team together. It's a little bit smaller than usual,

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Speaker 2: but we get our little team together and celebrate you

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Speaker 2: our incredible She's on the Money community today, mister Scricci.

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Speaker 2: She's actually off sick, so I'm going to be sharing

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Speaker 2: her money. Wins Beck. You're here though, I am, yeah,

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Speaker 2: which is very lucky because I don't want to do

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Speaker 2: a solo Friday episode, it'll be so lonely, but you're

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Speaker 2: going to be sharing your brogue tips and we're going

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

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Speaker 2: week is all about whether you should uproot your life

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Speaker 2: for a fifty thousand dollars bonus and your partner won't

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Speaker 2: budge on it and something that you slid into our

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Speaker 2: dms about this week, we're talking about a ten thousand

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Speaker 2: dollar payout that's on the table. Is that enough or

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Speaker 2: should she be fighting for more?

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Speaker 4: Those sounds so both of them sound juicy.

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Speaker 2: I feel like the second one sounds really juicy because

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Speaker 2: we need to know why there's ten thousand, what's going

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Speaker 2: on there? But also like fifty thousand bonus hmmm, I

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Speaker 2: think I would.

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Speaker 4: Honestly, I don't even know what it is.

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Speaker 2: But what if your partner was like, absolutely not. Well,

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Speaker 2: we're going to get into it later. Okay, we're going

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Speaker 2: to get into it later, but before we get there, Beck,

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Speaker 2: this has become my favorite ego stroking session. Yes, ever, yes,

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Speaker 2: we're going to read out another five star review of

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Speaker 2: the show, and like we've had a few coming in

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Speaker 2: and I love it. If you haven't left a review

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Speaker 2: of the show. It really does help us, it does.

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Speaker 2: It helps to put the podcast in people's vision.

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Speaker 5: Right.

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Speaker 2: So we want to grow our community. We want more

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Speaker 2: Shees on the Money friends, and this is a really

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Speaker 2: good way of doing that. But be what is the

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Speaker 2: five star review that you are going to read out

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Speaker 2: this week?

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Speaker 4: Okay? I do have to say looking for these and

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Speaker 4: trying to dodge the really mean ones, Oh my.

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Speaker 2: Gosh, why are people so nasty? Though? It is so true.

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Speaker 2: I'm sorry that my voice is annoying, but it's actually

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Speaker 2: something I can't change. Yes, well, let's speak like this true.

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Speaker 4: I can get you on some soosterone.

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Speaker 2: Thank you, thank you. That would be very kind, very generous,

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Speaker 2: very not aligned to my values at this point in life. Sure,

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Speaker 2: should they change, I'll hit you up easy? Okay, great?

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Speaker 2: You what today?

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Speaker 4: I've got one from KB who says listening and putting

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Speaker 4: good habits in place makes me feel so adulty as

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Speaker 4: I should at thirty two years old. Love this, potty.

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Speaker 2: I love that I'm thirty three and I don't feel

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Speaker 2: like an adult.

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Speaker 4: No same, I'm thirty two.

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Speaker 2: I'm just a teenage mum. Like that's me. I'm just

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Speaker 2: a teenager. Really, are. I just don't know how life

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Speaker 2: is happening to me like this, Like it all just

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Speaker 2: happened like wild.

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Speaker 4: You know, the age just keeps on growing. But it's

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Speaker 4: like I don't think mentally I've changed adult. No.

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Speaker 2: Also, at what point do we feel like adults? Do

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Speaker 2: you remember when you were like young and you'd see

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Speaker 2: your parents, you'd be like very serious adults?

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Speaker 1: All wow, wow?

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Speaker 2: Am I that serious adult? Now? I don't know, because

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Speaker 2: like I see other adults at the supermarket and I'm like,

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Speaker 2: way too missure for me.

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Speaker 4: Yeah, like those are adults exactly. I just think you

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Speaker 4: either got it you don't.

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Speaker 2: I don't. We don't got it, got it? We don't

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Speaker 2: got it? Like physical age thirty three, mental age three yeah, yeah, yeah, yeah.

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Speaker 2: I have one and I've purposely picked it because it's

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Speaker 2: about Tasmania, OK, and That's where I'm from. So she said.

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Speaker 2: I've loved She's on the Money since I first came

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Speaker 2: across it, and I have all of the books and

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Speaker 2: I'm working my way through the podcasts and masterclass. The

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Speaker 2: absolute girl power that emanates from Victoria and the She's

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Speaker 2: on the Money crew is so empowering. Finance doesn't have

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Speaker 2: to be something for the Wall Street bros. And I

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Speaker 2: now already feel so much more empowered to take control

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Speaker 2: of my future in the two issues of interacting with

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Speaker 2: She's on the money, I've transformed things already. I have

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Speaker 2: an emergency fund, I've been bucketing my finances, I have

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Speaker 2: a clear budget, and I am learning to invest. And

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Speaker 2: then I found out V is a tazzy girl. We know, literacy,

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Speaker 2: whether it's medical, educational, or financial, is sadly very poor

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Speaker 2: in Tasmania. So I just love to see a tazzy

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Speaker 2: girl giving back. That is Isn't that so cute.

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Speaker 4: Comprehensive, That is so good?

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Speaker 2: I love it. No, finance isn't for the Wall Strep bros.

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Speaker 4: Totally.

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Speaker 2: I visited Wall Street kind of boring TVH was it? Yeah,

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Speaker 2: there was like a ball statue. I did get a

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Speaker 2: picture with that because if you know, you know what statue,

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Speaker 2: it's there's like a bull the wall, Like it's a

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Speaker 2: big bull like bronze statue. Yeah, we did a whole

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Speaker 2: series on it. Turns out it costs like hundreds of

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Speaker 2: thousands of dollars. I said, of course it did. But

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Speaker 2: there's literally not one thing that's interesting about being a

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Speaker 2: wall streep.

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Speaker 4: Bro I see. Were they like papers flying and like

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Speaker 4: phone ringing?

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Speaker 2: No, they were just really mediocre, middle aged white men

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Speaker 2: walking around, just like going to work and stuff.

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Speaker 4: I see.

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Speaker 2: It's also a pret It was like, is that oh

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Speaker 2: my gosh, Prett in the US and the UK incredible.

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Speaker 2: It's like all of the good things from seven to eleven,

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Speaker 2: like all of the food, all of the sandwiches, all

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Speaker 2: of the drinks. But it's just a shop for snacks Prett. Yeah,

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Speaker 2: and they do get these coffee subscriptions, so beck you

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Speaker 2: could have a coffee subscription and get as many coffees

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Speaker 2: as you wanted in a month. I think that's that figure.

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Speaker 2: That's a good deal.

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Speaker 4: That is a good deal. It depends on much it is.

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Speaker 2: It's really reasonable. I can't remember the price, but like

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Speaker 2: let's say it was like sixty bucks for the month

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Speaker 2: or something. That's like it's real, hinged good.

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Speaker 4: Yeah, that's real.

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Speaker 2: Because I did the mask and I was like I

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Speaker 2: would fly through that. I would fly through that anyway.

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Speaker 2: Advantage anyway, let's jump in miss Jessica Ricci. She's away

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Speaker 2: this week. She's under the weather, so we kind of

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Speaker 2: banned her from the studio, we said, we don't want

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Speaker 2: you here if you're under the weather. We want you

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Speaker 2: to stay in bed. So I went ahead and picked

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Speaker 2: my favorite money wins from the community instead. So first

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Speaker 2: one up is from our friend Amanda. She said, when

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Speaker 2: the supermarket mislabels a product as twenty two for sixteen

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Speaker 2: dollars instead of two for sixteen dollars, and you clear

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Speaker 2: out their stock and make them honor the ticket price

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Speaker 2: or two hundred bucks saved.

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Speaker 4: Oh my god, that's hechtic.

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Speaker 2: That actually makes me laugh so much because it's obviously

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Speaker 2: an error. But she's like, you know what, the supermarket

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Speaker 2: has made literal billions this year. I think you can

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Speaker 2: take this hit.

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Speaker 4: Yeah, that's true actually, And two hundred and.

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Speaker 2: Forty five people from our community liked that post.

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Speaker 4: Amazing.

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Speaker 2: And those are the these are the I don't know

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Speaker 2: what these are. Do you know what these are?

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Speaker 1: Yes?

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Speaker 2: Of course, Oh my god.

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Speaker 4: I'm constantly perpetually in the protein aisle. And those look

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Speaker 4: like those little they're very expensive. There's little balls.

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Speaker 2: Yeah, that was very expensive. So they look like protein balls.

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Speaker 2: It says four protein and probiotic field balls any two

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Speaker 2: for sixteen dollars. But the spelling Mistakes has twenty two

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Speaker 2: for sixteen dollars.

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Speaker 4: That is an incredible that's a good deal money.

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Speaker 2: She could have got more, but at the end of

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Speaker 2: the day, she just cleared them all out. She took

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Speaker 2: what she couldn't She ran, Oh, isn't that iconic?

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Speaker 4: That's great?

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Speaker 2: Okay, So next one. I don't know if you guys

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Speaker 2: have been following along, but this week I have been

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Speaker 2: on an epic rant about multi level marketing companies. Yes,

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Speaker 2: how predatory and deceptive they are. How I want to

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Speaker 2: make sure that people in our community are protected but

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Speaker 2: educated about them, because I'm all about you making the

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Speaker 2: right decision for you. But I get so frustrated when

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Speaker 2: I see women putting themselves out in a position where Becky,

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Speaker 2: you know how hard it is to make content. You

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Speaker 2: work in content, To get in front of a camera

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Speaker 2: and post on Instagram about a product, about a service,

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Speaker 2: about your business is hard work. These women are doing

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Speaker 2: this but putting themselves behind long term, so it actually

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Speaker 2: kills me. But this week Holly's money Win. She says,

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Speaker 2: money Win didn't join a multi level marketing as a

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Speaker 2: new mum looking for side hustles. Good you know, you

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Speaker 2: know yeah, and I laughed so hard, like, Holly, you're

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Speaker 2: a real one. I have a money win from Sophie.

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Speaker 2: She said, I bought my wedding alcohol from Dan Murphy's

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Speaker 2: and everything that was unopened and not refrigerated can be returned,

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Speaker 2: So we have eight hundred bucks back in our pockets.

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Speaker 4: Oh that is great, so smart eight hundred bucks.

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Speaker 2: I know, and like, you wouldn't have got a refund

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Speaker 2: for that otherwise.

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Speaker 4: Yeah, totally.

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Speaker 2: Wedding venues aren't going to cough that up for you

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Speaker 2: if you didn't drink them out of house and home.

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Speaker 4: Absolutely, that is so good. And to have that in

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Speaker 4: the back of your mind, like, oh, I'm going to

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Speaker 4: purposely not refrigerate these and.

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Speaker 2: Yeah, one hundred percent. But also making sure that you

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Speaker 2: know that you know, you didn't get to the venue

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Speaker 2: and the bar stuff just opened to every slab and

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Speaker 2: put it in an ice pocket or something so small.

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Speaker 4: That is clever. It's very clever.

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Speaker 2: I have another one from Gabrielle, which is really I

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Speaker 2: have another one from Gabrielle, which for me is really

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Speaker 2: relevant because if you followed me on social media, you

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Speaker 2: know I am meant to be renovating my front garden

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Speaker 2: at the moment, Peck and my husband and I'm not

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Speaker 2: paying for demo. It's not happening, SUI Like, I feel

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Speaker 2: like you can't mess up demo that bad.

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Speaker 4: Like demo would be fun.

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Speaker 2: It is fun, but also like once you've knocked down

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Speaker 2: the fun things, like you then have to like weep

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Speaker 2: the whole garden and pull out bricks and stuff. But

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Speaker 2: it's fine because it's free. Beck, but my landscaping quote

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Speaker 2: came back at a significantly higher amount. So I've actually

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Speaker 2: just parked it and been like, absolutely not. I will

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Speaker 2: revisit that when I have the mental capacity. So currently

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Speaker 2: my front yard looks barren. You know when you like

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Speaker 2: get halfway through a project and then you're.

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Speaker 4: Like, we actually don't want to do this anymore.

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Speaker 2: Yeah, But like I didn't want to do it because Beck,

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Speaker 2: the quote was astronomical. It turns out Gabrielle's having the

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Speaker 2: same thing. She said, we got quoted for landscaping forty

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Speaker 2: one thousand dollars two our yard excavated top soil and grass.

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Speaker 2: Went ahead and got another quote which was thirty eight

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Speaker 2: thousand dollars. But then I went to the local nursery

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Speaker 2: and got prices for the materials to do it ourselves

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Speaker 2: much cheaper, and found a local business that will excavate,

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Speaker 2: supply and lay all of the top soil for only

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Speaker 2: five grand. Oh great. We ordered the grass from a

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Speaker 2: turf company which will be five and a half grand,

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Speaker 2: which will lay ourselves. So instead of spending thirty eight

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Speaker 2: to forty one thousand dollars, it's costing US ten and

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Speaker 2: a half grand. Oh perfect, isn't that good?

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Speaker 1: Yeah?

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Speaker 2: I actually need to hit you up, Gabrielle, because I

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Speaker 2: currently am in that situation. They're oh my gosh, the audacity.

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Speaker 4: Oh that's wild, but so expensive, Like it's exercise, it's

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Speaker 4: getting on the sud and I'm.

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Speaker 2: Happy to do it ourselves. But at the same time,

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Speaker 2: it's this, as you know, I'm a finance girlie. It's

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Speaker 2: the balance between understanding property value then not over capitalizing

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Speaker 2: on a property that you've purchased, because you know, let's

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Speaker 2: say that the quote that I got was fifty thousand

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Speaker 2: dollars to have my front yard done, which is about

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Speaker 2: what it was. Actually, Am I making a smart money

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Speaker 2: decision by investing fifty thousand dollars in doing up the

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Speaker 2: front yard? Like would it actually add value to our property,

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Speaker 2: or would just tidying it up and you know, painting

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Speaker 2: the front of the house and planting some new plants

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Speaker 2: that we do ourselves basically add the same value. Yeah,

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Speaker 2: So you've got to balance it. And I feel like

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Speaker 2: so many times, especially as a property owner, you get

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Speaker 2: so excited about like, oh my gosh, I'm going to

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Speaker 2: do this and this, that you forget to look at

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Speaker 2: what the value of the property is and what value

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Speaker 2: you're adding to make sure that it stays a good investment. Yeah,

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Speaker 2: because it's so easy to just spiral and go, oh

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Speaker 2: my gosh, no, I really want to put in fancy

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Speaker 2: kitchen or I really want a new bathroom, But you

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Speaker 2: need to zoom out a little bit and look at

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Speaker 2: the market and go, Okay, well if I put in

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Speaker 2: a new bathroom and the intention is to lease out

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Speaker 2: this house, how much additional value am I going to

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Speaker 2: get from this?

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Speaker 4: Incredible?

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Speaker 2: Very hard anyway, moving one, queen mate, it's all I

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Speaker 2: think about and breathe. I actually, no, that's not true.

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Speaker 2: All I think about nowadays is multi level marketing. I

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Speaker 2: have another money in from Janine, she said with the

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Speaker 2: CBA glitch recently, I decided to check all of my

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Speaker 2: accounts that I don't use and I haven't closed yet.

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Speaker 2: I found two hundred and ninety six dollars in my

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Speaker 2: ing account from AHM give backs and Sentling CSS payouts

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Speaker 2: that I'd paid more than I should have. I guess incredible.

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Speaker 2: It was like the equivalent of finding fifty bucks in

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Speaker 2: a random pair of pants for me.

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Speaker 4: God that feels.

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Speaker 2: It also reminded me to change my bank account. It

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Speaker 2: also reminded me I have to change my bank account

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Speaker 2: for my health insurance and my Centralink payments. Oh perfect,

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Speaker 2: I love this, But also two hundred and eighty six bucks. Yeah, girl,

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Speaker 2: that's some groceries and a few nice drinks.

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Speaker 4: Like God, yeah, that'll save you.

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Speaker 2: I love that all right. I have one more. This

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Speaker 2: is a fun one. This is from Ebony. She said.

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Speaker 2: I've been eyeing off Devotion by Dolsha Anger Barner, but

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Speaker 2: held out because of how pricey the perfume was. I

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Speaker 2: looked it up again the other day because I noticed

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Speaker 2: my current perfume was running out. Turns out that the

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Speaker 2: one hundred mil bottle was on sale for half price

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Speaker 2: at price Line and chemist Warehouse, but still full price

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Speaker 2: at my own David Jones. So babies run, don't walk.

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Speaker 4: Yeah, yeah, that's great.

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Speaker 2: Like you, isn't that cute? Also, I'm not buying it

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Speaker 2: full price. No, don't buy anything for people per full price. Actually,

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Speaker 2: I feel like it's illegal.

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Speaker 4: It should be illegal, Yes, it should be illegal. Yeah,

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Speaker 4: I mean I feel like that kind of stuff always

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Speaker 4: is on sales. Somewhere somewhere, you're find.

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Speaker 2: Somewhere somehow you're going to get a money wally need

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Speaker 2: to look for it.

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Speaker 4: Aham actually gave me cash back. I don't know that's

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Speaker 4: what give deal. I really don't know why. I just

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Speaker 4: got one hundred bucks randomly. And I'm not asking questions but.

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Speaker 2: No, no questions, only answers. Thank you for your money,

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Speaker 2: than you for your money on exactly. That's a good

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Speaker 2: broake tip. Check your actual bank account.

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Speaker 4: Yeah, that's very true.

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Speaker 2: I should not be giving the broke tips because that

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Speaker 2: was a terrible one. Bet you have some good broke

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Speaker 2: tips for us.

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Speaker 4: This way I do I do good is subjective, but

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Speaker 4: hopefully these are.

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Speaker 2: You know what it is. It's subjective. But at the

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Speaker 2: end of the day, I just think everything you do

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Speaker 2: is good, So turn out tell you.

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Speaker 4: That's so sweet to our listeners think the same. Okay,

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Speaker 4: this first one comes from a Lissa who gave me

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Speaker 4: really good broke tips. So this is more for like,

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Speaker 4: if you want to go for like an outing, or

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Speaker 4: you want to take someone out for their birthday, but

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Speaker 4: you don't want to spend any money. I don't know

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Speaker 4: if you remember. I mean when I say remember, this

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Speaker 4: is ongoing. This has been a thing back of the

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Speaker 4: day and still today. But if you go to a

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Speaker 4: show with a live audience and you get someone a ticket,

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Speaker 4: yourself and your friend a ticket, it's usually free. Usually really,

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Speaker 4: if you're going to like a live show, and I

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Speaker 4: think it's good for both parties for free.

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Speaker 2: Is that what you mean?

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Speaker 4: You could ask, You could ask, but I'm thinking more

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Speaker 4: like the project or you know what I mean.

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Speaker 2: You know how mad I am. This is niche content.

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Speaker 2: But I applied to be in the audience for thank

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Speaker 2: God You're Here. Oh that would be good. It was

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Speaker 2: like twelve months ago. Gabby and I. So, Gabby's my

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Speaker 2: old ea. She and I, well, let's go. We really

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Speaker 2: want to be in the audience for thank God You're Here. Like,

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Speaker 2: I can't think of a better show to get an

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Speaker 2: audience for We Got It. I was on holiday at

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Speaker 2: the time. Oh no, they wouldn't let Gabby transfer tickets.

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Speaker 2: Oh I see, so she went by herself. She's like,

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Speaker 2: night of my life. It would be so much fun.

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Speaker 2: And God, you're here though, that.

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Speaker 4: Would be a great one to see likely but that's

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Speaker 4: a good thing.

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Speaker 2: Sign up for all of those and you can go

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Speaker 2: to the show for free, for free, and.

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Speaker 4: It's such a fun night out. And if you want to,

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Speaker 4: you know, get make food at home, or you want

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Speaker 4: to go to seven to eleven, grab yourself a really

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Speaker 4: cheap sushi. You don't have to spend that much money

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Speaker 4: to have. Honestly, one of the best nights ever.

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Speaker 2: Also, it's coming into summer, so low key picnic dates

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Speaker 2: are back.

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Speaker 4: Picnic dates are back, exactly back.

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Speaker 2: My mother's group has been doing that a lot, so

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Speaker 2: that's very cute. I have a day off a week

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Speaker 2: to hang out with Harvey, and it happens be on

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Speaker 2: the day that Mother's group happens, which is very very lucky.

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Speaker 2: But we've been just taking some picnic blankets to the park,

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Speaker 2: packing a few snacks in our bags, and just hanging

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Speaker 2: out in the park for a couple of hours. It

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Speaker 2: is elite.

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Speaker 4: It's very cute, so wholesome. And I always say, when

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Speaker 4: you're in the elements, you're a little bit sillier, and

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Speaker 4: you have.

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Speaker 2: A little bit silly when you have.

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Speaker 4: A fire, when you're sitting on the grass, when you're

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Speaker 4: in the wind, in the water, silly and fun.

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Speaker 2: Kids for some reason are just happier outside, absolutely mad

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Speaker 2: outside who love it exactly exactly. What else have you got?

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Speaker 4: This is one that my friend told me about. And

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Speaker 4: on Reddit, there is a subreddit I think that's what

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Speaker 4: you call it. It's called yeah Ossie frugal and in

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Speaker 4: Ossie Frugal and I can give you the link to

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Speaker 4: this as a thread that it's updated fortnightly food box

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00:16:50,320 --> 00:16:55,080
Speaker 4: slash mill kit referral thread in the genius Yeah, and

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Speaker 4: so you can. But I did have a little squizz.

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Speaker 4: It's not just food kits, it's there was other things

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Speaker 4: like coupon's and all this kind of stuff.

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Speaker 2: So being involved in the community like.

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Speaker 4: That, yeah, yeah, And it's like it's pinned, so if

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Speaker 4: you if you search Aussie frugal reddit, it'll be at

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Speaker 4: the top of it should be at the top. They're

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00:17:11,680 --> 00:17:13,960
Speaker 4: all close to the top. And yeah, just go in

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00:17:14,000 --> 00:17:16,359
Speaker 4: there and see if you can find like any kind

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00:17:16,400 --> 00:17:19,320
Speaker 4: of food box or whatever whatever you've got. Yeah, it

390
00:17:19,359 --> 00:17:22,240
Speaker 4: was really fine. I almost just spent like hours on

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Speaker 4: the scening night and meant to be working.

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Speaker 2: That's okay. It was research.

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Speaker 4: It was research.

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00:17:25,560 --> 00:17:27,720
Speaker 2: It was research, was research for your business.

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Speaker 4: It was really really cool.

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Speaker 2: Like how I've been going down rabbit holes on TikTok

397
00:17:31,040 --> 00:17:36,679
Speaker 2: watching m LM videos. It's for work hours, for work exactly.

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Speaker 4: Help you're doing overtime and we appreciate you for it.

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Speaker 2: Thank you, thank you. I do go above and beyond.

400
00:17:42,680 --> 00:17:44,960
Speaker 2: I can't wait to give you the next update about that.

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00:17:45,000 --> 00:17:46,760
Speaker 2: But Beck, what's your breake tip?

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00:17:47,080 --> 00:17:49,159
Speaker 4: Okay, so my one. I'm not sure if I might

403
00:17:49,200 --> 00:17:52,840
Speaker 4: have mentioned already, but it was just as my partner's birthday,

404
00:17:52,960 --> 00:17:53,480
Speaker 4: just on the weekend.

405
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Speaker 2: I did see that. I was very cute. Your posts

406
00:17:55,880 --> 00:17:59,080
Speaker 2: on Instagram were very wholesome. Thank you much, very couplely.

407
00:17:59,119 --> 00:18:01,440
Speaker 4: I was like a couple of oh my god, it's

408
00:18:01,480 --> 00:18:04,080
Speaker 4: really getting real. I mean, you know, it is real.

409
00:18:04,200 --> 00:18:06,960
Speaker 4: We went to Dalesford and I am I just don't

410
00:18:07,000 --> 00:18:07,920
Speaker 4: really say capital.

411
00:18:08,320 --> 00:18:11,800
Speaker 2: It is the capital capital that makes sense, that makes sense.

412
00:18:11,920 --> 00:18:14,040
Speaker 4: Rainbow flags everywhere, and we just felt so like we

413
00:18:14,080 --> 00:18:15,840
Speaker 4: wanted to go somewherehere we could hold hands up being

414
00:18:15,840 --> 00:18:17,240
Speaker 4: like yelled at or something. I don't know, I'm just

415
00:18:17,280 --> 00:18:17,919
Speaker 4: really scared of that.

416
00:18:17,960 --> 00:18:19,439
Speaker 2: So is that a thing still?

417
00:18:19,960 --> 00:18:22,200
Speaker 4: Every now and then it's like someone will maybe say

418
00:18:22,200 --> 00:18:23,920
Speaker 4: something under their breath, or people will just stare or something.

419
00:18:23,920 --> 00:18:26,000
Speaker 4: It's just very like I think I'm more conscious of.

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00:18:26,000 --> 00:18:27,760
Speaker 2: It then I'm so angry for you.

421
00:18:27,840 --> 00:18:29,639
Speaker 4: Thank you so much. I'm just like, maybe I'm just

422
00:18:29,720 --> 00:18:31,639
Speaker 4: hyper aware of it. I mean, it's not even the

423
00:18:31,640 --> 00:18:32,040
Speaker 4: fact that.

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00:18:32,000 --> 00:18:34,320
Speaker 2: You have to be hyper aware of the person that

425
00:18:34,320 --> 00:18:35,280
Speaker 2: you're holding hands like.

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Speaker 5: What I know.

427
00:18:36,040 --> 00:18:38,439
Speaker 4: I know it's it is like it's probably not as

428
00:18:38,480 --> 00:18:40,960
Speaker 4: big anymore, but it's like it's still every now and

429
00:18:41,000 --> 00:18:43,640
Speaker 4: then you'll you'll it just feel like comfortable. But anyway, Dalesford,

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Speaker 4: I'm sorry, that's real shit. Thank you so much. It's talking.

431
00:18:47,080 --> 00:18:49,879
Speaker 4: Dalesford was lovely though, like, of course, I'm so so

432
00:18:50,000 --> 00:18:51,680
Speaker 4: at home there. Did you go for a walk around

433
00:18:51,720 --> 00:18:54,200
Speaker 4: the lake? I've been hearing about this lake. I never

434
00:18:54,240 --> 00:18:55,160
Speaker 4: saw any lake.

435
00:18:56,320 --> 00:18:59,840
Speaker 2: That's like a free activity. That lake is stunning.

436
00:19:00,160 --> 00:19:01,280
Speaker 4: Okay, that's good to know.

437
00:19:01,880 --> 00:19:02,800
Speaker 2: What's your actual broak.

438
00:19:02,880 --> 00:19:04,600
Speaker 4: I need to go to Leven Duela. It's really beautiful.

439
00:19:04,920 --> 00:19:05,880
Speaker 2: Way, it's beautiful too.

440
00:19:06,040 --> 00:19:09,800
Speaker 4: I bought Jess's birthday gifts too early in advance and

441
00:19:09,840 --> 00:19:11,840
Speaker 4: have no self control, so it gave them to her before.

442
00:19:13,160 --> 00:19:14,600
Speaker 2: And so I was like, how do I do this?

443
00:19:14,840 --> 00:19:17,240
Speaker 2: I thought I was genius. I bought Harvey's Christmas present

444
00:19:17,280 --> 00:19:18,320
Speaker 2: here that we're.

445
00:19:18,160 --> 00:19:21,840
Speaker 4: Going to have exactly exactly. That's another broke tip by

446
00:19:21,880 --> 00:19:25,959
Speaker 4: the present right before the last minute, because I just

447
00:19:26,359 --> 00:19:30,280
Speaker 4: there's no way anyone has that I can't. And so

448
00:19:30,440 --> 00:19:31,879
Speaker 4: I was like, Okay, how do I do this cheaply?

449
00:19:32,040 --> 00:19:35,760
Speaker 4: So I just bought calistic scissors and I feel like

450
00:19:35,760 --> 00:19:38,359
Speaker 4: I always talk about being crafty, but I bought some

451
00:19:38,400 --> 00:19:40,119
Speaker 4: paper as well, and I think all that cost me

452
00:19:40,160 --> 00:19:44,720
Speaker 4: three dollars. I made a handmade box. Inside were little

453
00:19:44,800 --> 00:19:47,399
Speaker 4: like love hearts that it turned into envelopes, and in

454
00:19:47,440 --> 00:19:49,280
Speaker 4: there were just like a bunch of little letters or

455
00:19:49,280 --> 00:19:51,040
Speaker 4: like all the things I love about you, and that

456
00:19:51,400 --> 00:19:54,000
Speaker 4: in itself is like a perfect gift.

457
00:19:54,040 --> 00:19:58,760
Speaker 2: And it was yes, yeah, Like I have a beautiful

458
00:19:58,840 --> 00:20:02,480
Speaker 2: husband that I'm very great for. He would never, oh,

459
00:20:02,640 --> 00:20:03,879
Speaker 2: he would never.

460
00:20:04,040 --> 00:20:04,800
Speaker 4: I will.

461
00:20:07,160 --> 00:20:09,240
Speaker 2: Honestly straight, it's not a choice back.

462
00:20:10,760 --> 00:20:11,879
Speaker 4: I'm starting to see this.

463
00:20:12,119 --> 00:20:13,159
Speaker 2: Yeah, it's not.

464
00:20:14,640 --> 00:20:17,879
Speaker 4: Well for if he is listening, and if he's not,

465
00:20:18,359 --> 00:20:20,199
Speaker 4: well that's a shade. But tell him if you have

466
00:20:20,240 --> 00:20:22,040
Speaker 4: everyone's out of money or just doesn't want to spend

467
00:20:22,040 --> 00:20:24,360
Speaker 4: that much on you.

468
00:20:26,000 --> 00:20:28,439
Speaker 2: Actually would prefer a gift like that and then like

469
00:20:28,600 --> 00:20:31,639
Speaker 2: a super expensive one like to me, the idea that

470
00:20:31,760 --> 00:20:34,560
Speaker 2: someone wrote all the things that they love about me

471
00:20:34,720 --> 00:20:39,760
Speaker 2: on Little Love be for real. That's so cute and wholesome.

472
00:20:40,320 --> 00:20:42,399
Speaker 4: And honestly, the reason why it's a breake tip is

473
00:20:42,440 --> 00:20:44,600
Speaker 4: because it literally costs me like three dollars.

474
00:20:44,720 --> 00:20:47,200
Speaker 2: Maybe may probably do it with stuff around your house.

475
00:20:47,040 --> 00:20:50,640
Speaker 4: Absolutely, like magazines or whatever, whatever crafty stuff you've got

476
00:20:50,760 --> 00:20:53,119
Speaker 4: around your house. It doesn't even have that have to

477
00:20:53,119 --> 00:20:53,800
Speaker 4: cost anything.

478
00:20:53,920 --> 00:20:55,840
Speaker 2: Really, you could see a print of paper from work,

479
00:20:56,080 --> 00:20:56,919
Speaker 2: printed paper from.

480
00:20:56,760 --> 00:21:00,520
Speaker 4: Work exactly they go. So that is my brain.

481
00:21:00,560 --> 00:21:02,040
Speaker 2: That's a really sweet get tifty.

482
00:21:02,160 --> 00:21:03,280
Speaker 4: I love it. Thank you so much.

483
00:21:03,280 --> 00:21:05,240
Speaker 2: All right, let's go to a really quick break because

484
00:21:05,280 --> 00:21:07,320
Speaker 2: as much as I love hearing about your love life,

485
00:21:07,440 --> 00:21:09,560
Speaker 2: I really want to hear about your thoughts about what

486
00:21:09,600 --> 00:21:13,000
Speaker 2: you would do if offered a fifty thousand dollar bonus

487
00:21:13,000 --> 00:21:15,639
Speaker 2: and your partner wasn't on board with moving because of it.

488
00:21:15,680 --> 00:21:17,639
Speaker 2: And I also want to talk about the DM that

489
00:21:17,680 --> 00:21:20,080
Speaker 2: we got this week, which is about a ten thousand

490
00:21:20,119 --> 00:21:22,240
Speaker 2: dollar payout that's on the table, but we don't know

491
00:21:22,280 --> 00:21:24,320
Speaker 2: if it's enough or if she should be fighting for

492
00:21:24,359 --> 00:21:27,320
Speaker 2: more because we don't have enough context yet, So let's

493
00:21:27,320 --> 00:21:28,400
Speaker 2: talk about it on the flip side.

494
00:21:28,400 --> 00:21:36,600
Speaker 4: Okay, welcome back everyone. Here's our money dilemma.

495
00:21:36,800 --> 00:21:39,159
Speaker 2: Hi, there, have you got a money dilemma you just

496
00:21:39,200 --> 00:21:41,720
Speaker 2: can't solve that. She's on the Money Team is here

497
00:21:41,760 --> 00:21:45,000
Speaker 2: to help. Every week we tackle your dilemmas, both big

498
00:21:45,040 --> 00:21:47,760
Speaker 2: and small, to answer your most burning money, career and

499
00:21:47,800 --> 00:21:51,000
Speaker 2: life questions. To get involved, simply head to our website

500
00:21:51,040 --> 00:21:53,160
Speaker 2: and leave us a short voice recording and you might

501
00:21:53,200 --> 00:21:55,760
Speaker 2: just find yourself on the show. Now, let's take a

502
00:21:55,800 --> 00:22:02,760
Speaker 2: listen to this week's money dilemma.

503
00:22:00,080 --> 00:22:02,919
Speaker 5: The money. So my money a limit is I have

504
00:22:03,000 --> 00:22:05,760
Speaker 5: been with my partner for four years. We aren't married,

505
00:22:05,800 --> 00:22:08,760
Speaker 5: we don't own a house, we're not financially set up,

506
00:22:09,160 --> 00:22:12,359
Speaker 5: and I got offered an amazing opportunity with my job.

507
00:22:12,800 --> 00:22:16,040
Speaker 5: So with that I would get paid fifty thousand dollars

508
00:22:16,080 --> 00:22:20,440
Speaker 5: tax free if I relocate out rural and work there

509
00:22:20,480 --> 00:22:23,720
Speaker 5: for the year. When I spoke to my partner about it,

510
00:22:23,800 --> 00:22:27,640
Speaker 5: he was quite negative, said he wasn't prepared to move

511
00:22:28,240 --> 00:22:30,560
Speaker 5: because he will have to find a new job. He

512
00:22:30,600 --> 00:22:34,480
Speaker 5: doesn't want to sacrifice his life here. So it puts

513
00:22:34,520 --> 00:22:37,360
Speaker 5: me in a tricky situation. Yeah, what do you think

514
00:22:37,359 --> 00:22:37,840
Speaker 5: I should do?

515
00:22:37,920 --> 00:22:38,480
Speaker 2: What do you reckon?

516
00:22:38,560 --> 00:22:40,880
Speaker 4: Back? It is a tricky one because I can understand

517
00:22:40,920 --> 00:22:42,520
Speaker 4: not wanting to move, not wanting to give up your

518
00:22:42,520 --> 00:22:44,639
Speaker 4: lifestyle and stuff. It is just for a year, but

519
00:22:44,640 --> 00:22:48,280
Speaker 4: it still feels like a big amount of time, a

520
00:22:48,280 --> 00:22:50,680
Speaker 4: long time to spend away from family and friends in

521
00:22:50,720 --> 00:22:52,639
Speaker 4: your life. But I guess the risk is that, like,

522
00:22:52,800 --> 00:22:55,359
Speaker 4: if your partner can't find a job, then that fifty

523
00:22:55,440 --> 00:22:59,680
Speaker 4: k you must go towards supporting you both, you know

524
00:22:59,720 --> 00:23:03,320
Speaker 4: what I mean. So I'm like, if your partner, you

525
00:23:03,320 --> 00:23:06,160
Speaker 4: know what, I know, it's crazy. But if it were

526
00:23:07,160 --> 00:23:12,160
Speaker 4: my situation, I would suggest long distance for the year,

527
00:23:12,200 --> 00:23:16,040
Speaker 4: but every month visit each other, or do like two

528
00:23:16,080 --> 00:23:18,479
Speaker 4: weeks and two weeks here. It depends on the working situation.

529
00:23:18,520 --> 00:23:20,719
Speaker 4: If the partner can do work from home, then you

530
00:23:20,840 --> 00:23:24,720
Speaker 4: could conceivably, if it's not too expensive, just kind of

531
00:23:24,720 --> 00:23:28,439
Speaker 4: go back and forth for the year until or just

532
00:23:28,480 --> 00:23:29,119
Speaker 4: do like a month.

533
00:23:29,160 --> 00:23:30,480
Speaker 2: I don't know. It doesn't have to do.

534
00:23:30,560 --> 00:23:32,040
Speaker 4: Your partner doesn't have to do the whole year, is

535
00:23:32,040 --> 00:23:35,040
Speaker 4: what I'm saying. But the risk is there that if

536
00:23:35,200 --> 00:23:37,920
Speaker 4: your partner moved with you couldn't find a job. There

537
00:23:37,920 --> 00:23:38,880
Speaker 4: goes at fifty K.

538
00:23:39,480 --> 00:23:41,400
Speaker 2: You know what I mean in percon and I think

539
00:23:41,440 --> 00:23:46,920
Speaker 2: that that's what's really important to consider. Yeah, like my advice,

540
00:23:47,119 --> 00:23:49,439
Speaker 2: you're going to be surprised about this, beeck when in

541
00:23:49,480 --> 00:23:53,320
Speaker 2: doubt zoom out? Yes, sorry, what are you currently earning?

542
00:23:53,359 --> 00:23:56,879
Speaker 2: What's your partner currently earning? I think this is probably

543
00:23:56,960 --> 00:23:59,320
Speaker 2: a bigger question. I don't know. I feel like the

544
00:23:59,320 --> 00:24:01,639
Speaker 2: way she framed the question was like, we've been together

545
00:24:01,720 --> 00:24:04,719
Speaker 2: for four years, we're not married. We haven't, you know,

546
00:24:04,840 --> 00:24:08,080
Speaker 2: financially set ourselves up together. I feel like you're thinking

547
00:24:08,119 --> 00:24:10,399
Speaker 2: about the bigger picture, and it's probably time to have

548
00:24:10,400 --> 00:24:13,000
Speaker 2: a conversation with your partner about the bigger picture. Like,

549
00:24:13,480 --> 00:24:16,000
Speaker 2: let's zoom out, what does the next ten years together

550
00:24:16,040 --> 00:24:18,800
Speaker 2: look like? Are we planning on staying together? I know

551
00:24:18,880 --> 00:24:21,000
Speaker 2: that that's a really big discussion, and I'm not going

552
00:24:21,040 --> 00:24:23,480
Speaker 2: to turn around and be like beg so should I

553
00:24:23,520 --> 00:24:26,159
Speaker 2: just move? Like are we done? Like that's not the conversation,

554
00:24:26,280 --> 00:24:29,720
Speaker 2: but like, are we planning on getting married? Fifty thousand

555
00:24:29,760 --> 00:24:31,600
Speaker 2: dollars tax free is a heap of money if we

556
00:24:31,640 --> 00:24:33,840
Speaker 2: put that in perspective. If you're on a thirty two

557
00:24:33,840 --> 00:24:36,280
Speaker 2: and a half percent tax, right, that's a sixty six

558
00:24:36,359 --> 00:24:39,040
Speaker 2: thousand dollars salary. Yes, So to be able to save

559
00:24:39,080 --> 00:24:41,359
Speaker 2: one hundred percent of that and have it deposited in

560
00:24:41,400 --> 00:24:44,040
Speaker 2: your account, you'd need to probably earn way more than that.

561
00:24:44,040 --> 00:24:45,800
Speaker 2: That's going to take you a number of years to

562
00:24:45,880 --> 00:24:49,280
Speaker 2: bank up. Like most people don't even have access to

563
00:24:49,359 --> 00:24:52,159
Speaker 2: five hundred dollars in an emergency. So to me, this

564
00:24:52,320 --> 00:24:55,320
Speaker 2: could potentially be a life changing amount of money. And

565
00:24:55,400 --> 00:24:58,160
Speaker 2: if you're in this situation, you're like, well, actually, I'd

566
00:24:58,160 --> 00:24:59,840
Speaker 2: love to have fifty grand in my bank account and

567
00:24:59,840 --> 00:25:02,280
Speaker 2: I'm going to go do this job where I'm going

568
00:25:02,359 --> 00:25:04,439
Speaker 2: to earn a really good income. This could put me

569
00:25:04,520 --> 00:25:07,399
Speaker 2: significantly ahead. I don't want you to say no to

570
00:25:07,480 --> 00:25:10,840
Speaker 2: this opportunity. For some dude, that's not going to be

571
00:25:10,880 --> 00:25:14,080
Speaker 2: your future. If we're being brutally honest, Like I don't

572
00:25:14,119 --> 00:25:16,240
Speaker 2: mean to be rude about it, but like if you've

573
00:25:16,240 --> 00:25:18,080
Speaker 2: been together for four years, Like are we staying together

574
00:25:18,160 --> 00:25:20,760
Speaker 2: or were planning on purchasing property together? Are we planning

575
00:25:20,960 --> 00:25:23,600
Speaker 2: on you know, getting married At some point you don't

576
00:25:23,600 --> 00:25:25,119
Speaker 2: have to do any of those things if they're not

577
00:25:25,160 --> 00:25:28,359
Speaker 2: in your value set, that's fine. But like if it

578
00:25:28,480 --> 00:25:30,280
Speaker 2: was me and I go back to where my husband

579
00:25:30,320 --> 00:25:32,600
Speaker 2: and I weren't married and didn't have a house deposit,

580
00:25:32,640 --> 00:25:34,600
Speaker 2: if you'd put fifty grands on the table and said

581
00:25:34,600 --> 00:25:36,440
Speaker 2: that you have to work remotely, I kind of would

582
00:25:36,440 --> 00:25:39,639
Speaker 2: have been like, oh, yeah, okay, Like that is my

583
00:25:39,720 --> 00:25:42,879
Speaker 2: house deposit, that is my whole wedding paid for, Like

584
00:25:42,920 --> 00:25:44,480
Speaker 2: do you know what I mean? Like those are life

585
00:25:44,520 --> 00:25:48,320
Speaker 2: changing amounts of money. Definitely, fifty thousand dollars invested, Like

586
00:25:48,480 --> 00:25:50,399
Speaker 2: be for real, that's so much. BEG.

587
00:25:50,480 --> 00:25:51,040
Speaker 4: That's true.

588
00:25:51,200 --> 00:25:54,200
Speaker 2: So I'm not saying do it, but I do want

589
00:25:54,280 --> 00:25:56,439
Speaker 2: you to have a bigger discussion because if it is

590
00:25:56,640 --> 00:25:58,360
Speaker 2: you and him against the world, and you are going

591
00:25:58,400 --> 00:26:01,480
Speaker 2: to be together forever and that's the plan, but then

592
00:26:01,600 --> 00:26:03,680
Speaker 2: you know, let's say he earns one hundred and ten

593
00:26:03,720 --> 00:26:06,960
Speaker 2: thousand dollars a year moving regionally, you lose that income.

594
00:26:07,200 --> 00:26:08,919
Speaker 2: Maybe it's not worth it for both of you and

595
00:26:08,960 --> 00:26:12,159
Speaker 2: that's okay, But if the bigger picture is that you're like, oh,

596
00:26:12,240 --> 00:26:15,879
Speaker 2: we've been together four years and the additional context is

597
00:26:16,119 --> 00:26:18,040
Speaker 2: we're not married because we don't really want to marry

598
00:26:18,040 --> 00:26:19,679
Speaker 2: each other. Like, I think you need to have a

599
00:26:19,720 --> 00:26:22,439
Speaker 2: think about the actual relationship and what that looks like

600
00:26:22,880 --> 00:26:25,760
Speaker 2: and how that works, because I don't think it's about

601
00:26:26,040 --> 00:26:29,600
Speaker 2: should my partner our root for fifty grand? Well, not necessarily,

602
00:26:30,040 --> 00:26:33,320
Speaker 2: but how would that fit? Like, sit down and brainstorm

603
00:26:33,320 --> 00:26:35,040
Speaker 2: it together. Be like you know, you and I, Beck,

604
00:26:35,080 --> 00:26:37,399
Speaker 2: we sit down and go, how would fifty thousand dollars

605
00:26:38,160 --> 00:26:41,800
Speaker 2: change our financial situation? You know, if we were earning this,

606
00:26:42,320 --> 00:26:45,520
Speaker 2: what would that look like? Okay, fifty grand would impact

607
00:26:45,560 --> 00:26:48,199
Speaker 2: us like this? Okay, but now, Beck, you might not

608
00:26:48,240 --> 00:26:52,200
Speaker 2: be able to get work? Is that a good idea? Still? Maybe? Maybe?

609
00:26:52,240 --> 00:26:52,320
Speaker 1: Not?

610
00:26:52,480 --> 00:26:54,480
Speaker 2: Like you need to put your thinking caps on because

611
00:26:54,520 --> 00:26:57,320
Speaker 2: I think at the moment you potentially are a little

612
00:26:57,320 --> 00:26:59,959
Speaker 2: bit tunnel visioned. Yeah, because fifty grand's on the time,

613
00:27:00,800 --> 00:27:03,480
Speaker 2: is working remotely a good idea? Maybe you do go,

614
00:27:03,600 --> 00:27:05,399
Speaker 2: maybe it is the advice that you gave back and

615
00:27:05,480 --> 00:27:08,960
Speaker 2: you have a long distance relationship. That's not so that

616
00:27:09,040 --> 00:27:12,639
Speaker 2: you put yourself first, maybe you both decide, Okay, partner,

617
00:27:12,720 --> 00:27:14,640
Speaker 2: you keep your job, kill it for a year. I'm

618
00:27:14,640 --> 00:27:16,760
Speaker 2: going to go work remotely for twelve months. Get this

619
00:27:16,840 --> 00:27:18,720
Speaker 2: fifty grand, and when I get back, we're going to

620
00:27:18,800 --> 00:27:20,880
Speaker 2: be set. We could buy a house together, Like this

621
00:27:20,920 --> 00:27:23,880
Speaker 2: is a sacrifice that we are making for our relationship

622
00:27:24,440 --> 00:27:28,000
Speaker 2: right now. It doesn't feel like you're on the our page. Yeah,

623
00:27:28,040 --> 00:27:29,880
Speaker 2: does that make sense? Like the way she spoke about

624
00:27:29,920 --> 00:27:31,199
Speaker 2: it, it was like I want to do this and my

625
00:27:31,200 --> 00:27:34,639
Speaker 2: partner wants it, Like where's the Wii? If you're going

626
00:27:34,720 --> 00:27:36,439
Speaker 2: to be in a relationship.

627
00:27:36,119 --> 00:27:40,000
Speaker 4: That's very true. My other thought is if work is

628
00:27:40,080 --> 00:27:44,480
Speaker 4: paying for accommodation and moving fees whatever they look like,

629
00:27:45,200 --> 00:27:47,439
Speaker 4: then it feels a lot bigger for me.

630
00:27:47,960 --> 00:27:50,680
Speaker 2: How much more could you save? So fifty grand as

631
00:27:50,680 --> 00:27:52,600
Speaker 2: a cash payment, but how much you've saving dream?

632
00:27:52,920 --> 00:27:55,240
Speaker 4: Yeah, and if it's if they're not paying for accommodation

633
00:27:55,320 --> 00:27:56,920
Speaker 4: and things like that, then I'm like, well, if you're

634
00:27:57,280 --> 00:27:59,880
Speaker 4: both not moving, like are.

635
00:27:59,840 --> 00:28:02,560
Speaker 2: They giving you this fifty grand because accommodation's few and

636
00:28:02,640 --> 00:28:04,280
Speaker 2: far between it and you actually.

637
00:28:03,960 --> 00:28:05,800
Speaker 4: Have to pay a lot for it exactly, Like how

638
00:28:05,840 --> 00:28:09,360
Speaker 4: much of this is just saving and you could put

639
00:28:09,359 --> 00:28:11,600
Speaker 4: it toward your future, and how much of it has

640
00:28:11,640 --> 00:28:14,200
Speaker 4: to go toward paying for your things to be moved

641
00:28:14,240 --> 00:28:16,320
Speaker 4: and paying for accommodation and paying for food and paying

642
00:28:16,320 --> 00:28:17,040
Speaker 4: for all this stuff.

643
00:28:17,080 --> 00:28:19,440
Speaker 2: I think you need to take off the emotions hat

644
00:28:19,680 --> 00:28:22,560
Speaker 2: and just go pragmatic hat and go okay, cool, What

645
00:28:22,560 --> 00:28:25,600
Speaker 2: would it mean financially if we both moved? What would

646
00:28:25,600 --> 00:28:27,720
Speaker 2: it mean financially if I just moved? What would it

647
00:28:27,800 --> 00:28:31,880
Speaker 2: mean if you know, and just like, workshop the strategies

648
00:28:31,920 --> 00:28:34,000
Speaker 2: that could be in play and then pick the one

649
00:28:34,000 --> 00:28:36,040
Speaker 2: that you think is right for you and your situation.

650
00:28:36,040 --> 00:28:36,760
Speaker 4: Completely agree.

651
00:28:36,960 --> 00:28:38,800
Speaker 2: Yeah, and it's hard to take the emotion's hat off,

652
00:28:38,840 --> 00:28:40,640
Speaker 2: I know, because you're like, but I want my partner

653
00:28:40,680 --> 00:28:41,520
Speaker 2: to want what's best.

654
00:28:41,640 --> 00:28:41,960
Speaker 4: Yeah.

655
00:28:42,040 --> 00:28:43,840
Speaker 2: I promise you'll be on the same page if you

656
00:28:43,880 --> 00:28:44,960
Speaker 2: get a lot of clarity.

657
00:28:45,120 --> 00:28:46,640
Speaker 4: Yes, great advice.

658
00:28:46,880 --> 00:28:49,480
Speaker 2: All right, are you ready the juicy one we've all

659
00:28:49,520 --> 00:28:52,840
Speaker 2: been waiting for. Bet? Are you ready ready? DM? We

660
00:28:52,920 --> 00:28:55,520
Speaker 2: got this week. Hey, she's on the money, hoping you

661
00:28:55,600 --> 00:28:57,400
Speaker 2: might be able to help me with my money dilemma.

662
00:28:57,520 --> 00:28:58,760
Speaker 4: That's, of course we can help you.

663
00:28:58,960 --> 00:29:01,280
Speaker 2: I was injured in a car accident at the beginning

664
00:29:01,320 --> 00:29:04,360
Speaker 2: of twenty twenty one, and as a passenger. I'm covered

665
00:29:04,440 --> 00:29:07,840
Speaker 2: under CTP insurance. I broke some bones in my hand

666
00:29:07,960 --> 00:29:11,600
Speaker 2: and required surgery and time off work. The insurance company

667
00:29:11,640 --> 00:29:14,560
Speaker 2: has proposed a payout of ten thousand dollars to set

668
00:29:14,640 --> 00:29:17,240
Speaker 2: all the claim, but I'm lost. I don't know how

669
00:29:17,280 --> 00:29:20,040
Speaker 2: to counter this, whether the amount will be enough to

670
00:29:20,080 --> 00:29:23,800
Speaker 2: cover potential future costs, whether I should seek lawyer's advice

671
00:29:24,240 --> 00:29:26,960
Speaker 2: as they may end up taking more in fees than

672
00:29:27,000 --> 00:29:30,120
Speaker 2: the amount I was actually offered, or just accepting the

673
00:29:30,120 --> 00:29:32,320
Speaker 2: amount of money that they have proposed and just take

674
00:29:32,360 --> 00:29:34,440
Speaker 2: it as a win. I'm coming up to the three

675
00:29:34,520 --> 00:29:36,800
Speaker 2: year deadline and it's been something I've been stewing on

676
00:29:36,920 --> 00:29:39,760
Speaker 2: for a really long time. I would love the community's

677
00:29:39,800 --> 00:29:42,040
Speaker 2: input on this one. Thank you so much in advance.

678
00:29:42,240 --> 00:29:45,640
Speaker 4: Hmmm, God, that's a really tricky one. Like what I

679
00:29:45,680 --> 00:29:50,240
Speaker 4: would do is probably not smart, but admin for me

680
00:29:50,600 --> 00:29:53,120
Speaker 4: is my worst nightmare. So I would probably be like,

681
00:29:53,160 --> 00:29:57,000
Speaker 4: oh yeah, I'll take it, or I would maybe inquire

682
00:29:57,880 --> 00:30:01,760
Speaker 4: just with the insurance company and not get anyone else involved.

683
00:30:01,760 --> 00:30:04,720
Speaker 4: I would inquire once be like I've done the best.

684
00:30:04,760 --> 00:30:08,240
Speaker 4: I can take it and run with it. But it depends.

685
00:30:08,320 --> 00:30:11,440
Speaker 4: Does this I wonder if our listener is currently working

686
00:30:11,560 --> 00:30:14,160
Speaker 4: and of back in twenty twenty one. Also, I'm really

687
00:30:14,160 --> 00:30:15,600
Speaker 4: sorry this happened. By the way. Sorry, I've got to

688
00:30:15,640 --> 00:30:18,640
Speaker 4: mention that first, but this does sound terrible. I'm sorry.

689
00:30:18,640 --> 00:30:20,680
Speaker 2: So clearly there are long lasting impacts.

690
00:30:20,920 --> 00:30:21,320
Speaker 1: Yeah.

691
00:30:21,480 --> 00:30:24,840
Speaker 4: Yeah, so I'm like, I'm if in twenty twenty one

692
00:30:24,880 --> 00:30:28,200
Speaker 4: you lost a significant amount of work and a significant

693
00:30:28,240 --> 00:30:32,160
Speaker 4: amount of money due to that, then but you can

694
00:30:32,240 --> 00:30:37,360
Speaker 4: currently work. Because I'm a little bit mentally on the

695
00:30:37,720 --> 00:30:39,600
Speaker 4: let me take the easy road, I'd be like, oh,

696
00:30:39,720 --> 00:30:41,360
Speaker 4: to take it, that's fine. But if it's like if

697
00:30:41,400 --> 00:30:43,320
Speaker 4: it was something that was still affecting me, I'd be like,

698
00:30:44,240 --> 00:30:46,240
Speaker 4: let's get some people involved. I don't know, I don't know.

699
00:30:46,320 --> 00:30:49,360
Speaker 2: This really is tough. Yeah, thoughts, of course I have thought.

700
00:30:49,480 --> 00:30:53,400
Speaker 2: So first things first, CTP is compulsory third party insurance. Yes,

701
00:30:53,520 --> 00:30:56,600
Speaker 2: so that is to make sure that you are protected

702
00:30:56,720 --> 00:30:59,680
Speaker 2: and it in Victoria and New South Wales non negotiable.

703
00:30:59,680 --> 00:31:02,840
Speaker 2: You have to it. Second to that, what's the worse

704
00:31:02,880 --> 00:31:06,840
Speaker 2: it could happen? Meck, so zooming out a little bit.

705
00:31:06,880 --> 00:31:08,480
Speaker 2: I love to do a little zoom out right. Yeah,

706
00:31:08,800 --> 00:31:12,280
Speaker 2: an insurance company has offered you ten thousand dollars. That

707
00:31:12,480 --> 00:31:16,800
Speaker 2: means that the insurance company has admitted that you deserve

708
00:31:16,840 --> 00:31:19,800
Speaker 2: a payout, so they know you deserve a payout. Asking

709
00:31:19,840 --> 00:31:22,719
Speaker 2: for more is not off the table. We negotiate everything

710
00:31:22,720 --> 00:31:24,680
Speaker 2: as she's on the money, Like you wouldn't be a

711
00:31:24,760 --> 00:31:27,800
Speaker 2: money queen if you're not just going I know that

712
00:31:27,840 --> 00:31:31,960
Speaker 2: there's probably better there, Like everything's up for negotiation. Would

713
00:31:31,960 --> 00:31:34,840
Speaker 2: I get legal advice, Yes, because I don't believe that

714
00:31:34,880 --> 00:31:37,640
Speaker 2: the legal advice would outweigh the ten thousand dollars. But

715
00:31:37,680 --> 00:31:40,440
Speaker 2: also you can inquire on how much legal advice would cost.

716
00:31:40,720 --> 00:31:42,239
Speaker 2: I think a lot of us get a little bit

717
00:31:42,240 --> 00:31:44,880
Speaker 2: of analysis paralysis and think that when we call a lawyer,

718
00:31:44,920 --> 00:31:47,000
Speaker 2: that's going to cost us, you know, fifty million dollars

719
00:31:47,040 --> 00:31:50,120
Speaker 2: a minute. But you can call the law firm and

720
00:31:50,160 --> 00:31:52,360
Speaker 2: be like, hey, how much would it cost to get

721
00:31:52,360 --> 00:31:54,440
Speaker 2: some advice on a settlement payout?

722
00:31:55,320 --> 00:31:55,680
Speaker 1: Yeah?

723
00:31:55,840 --> 00:31:57,959
Speaker 2: At the moment, I'm assuming you probably get all your

724
00:31:57,960 --> 00:32:02,240
Speaker 2: documentation together pretty cleanly and get a short period of

725
00:32:02,280 --> 00:32:05,840
Speaker 2: consultation where your lawyer might not speak on your behalf

726
00:32:05,960 --> 00:32:08,680
Speaker 2: but might go yeah, actually, Beck, you probably could get more,

727
00:32:08,800 --> 00:32:11,560
Speaker 2: or they might provide some insight where they go, actually

728
00:32:11,640 --> 00:32:13,920
Speaker 2: have seen similar injuries happen, and on average they do

729
00:32:14,000 --> 00:32:16,360
Speaker 2: pay out ten grand. Okay, no aries, thank you for

730
00:32:16,400 --> 00:32:18,920
Speaker 2: your time, or they might go I've seen similar injuries

731
00:32:18,960 --> 00:32:22,120
Speaker 2: happen beck and they're actually settling for twenty five grand.

732
00:32:22,520 --> 00:32:24,840
Speaker 2: So ask for twenty five grand and when you go back,

733
00:32:24,880 --> 00:32:27,160
Speaker 2: you tell them that you know that, Like that's the

734
00:32:27,320 --> 00:32:30,600
Speaker 2: power in getting advice. So I'm not saying that that's

735
00:32:30,600 --> 00:32:34,040
Speaker 2: going to be the outcome, but often we get a

736
00:32:34,080 --> 00:32:37,320
Speaker 2: little bit scared seeking advice because we're scared of how

737
00:32:37,400 --> 00:32:40,200
Speaker 2: much it would cost, when the reality is you can

738
00:32:40,240 --> 00:32:41,960
Speaker 2: actually just ask them, well, how much would it cost

739
00:32:42,040 --> 00:32:43,960
Speaker 2: to get your advice? Like the end of the day,

740
00:32:43,960 --> 00:32:46,400
Speaker 2: they're a service and they need to be clear about

741
00:32:46,400 --> 00:32:49,200
Speaker 2: their pricing at the start, So maybe even call a

742
00:32:49,200 --> 00:32:52,440
Speaker 2: few different law firms. I would look into injury specific

743
00:32:52,520 --> 00:32:54,880
Speaker 2: law firms so that they're not a lawyer who needs

744
00:32:54,920 --> 00:32:56,800
Speaker 2: to do a whole heap of research in the background

745
00:32:56,840 --> 00:33:00,640
Speaker 2: because they don't know the space. But saying it's a

746
00:33:00,640 --> 00:33:03,720
Speaker 2: simple injury, obviously there are ongoing impacts because otherwise you

747
00:33:03,720 --> 00:33:06,440
Speaker 2: wouldn't be getting a payout. But what I would be

748
00:33:06,480 --> 00:33:09,160
Speaker 2: doing is having a chat with someone going how much

749
00:33:09,160 --> 00:33:11,200
Speaker 2: would it cost me, because I can tell you right now,

750
00:33:11,280 --> 00:33:13,400
Speaker 2: even if you're only still going to get ten grand,

751
00:33:14,040 --> 00:33:16,240
Speaker 2: I'd love to spend five hundred dollars to make sure

752
00:33:16,320 --> 00:33:17,959
Speaker 2: that I'm covering my bike. It's kind of like an

753
00:33:17,960 --> 00:33:20,800
Speaker 2: additional insurance policy. Yes, And would you like to lose

754
00:33:20,840 --> 00:33:24,080
Speaker 2: five hundred bucks and get the ten grand or lose

755
00:33:24,120 --> 00:33:26,240
Speaker 2: five hundred bucks? And maybe there was an opportunity that

756
00:33:26,280 --> 00:33:28,920
Speaker 2: you could have turned that additional money to fifteen or

757
00:33:28,960 --> 00:33:31,960
Speaker 2: something like that. Totally get the advice, because what if

758
00:33:32,000 --> 00:33:35,520
Speaker 2: you then accepted it beck five years from now you

759
00:33:35,560 --> 00:33:37,600
Speaker 2: don't have the cash anymore. In the back of your mind,

760
00:33:37,600 --> 00:33:40,120
Speaker 2: you're thinking, man, maybe I should have negotiated that a

761
00:33:40,160 --> 00:33:43,200
Speaker 2: bit better. We don't regret things because we dot all

762
00:33:43,240 --> 00:33:44,760
Speaker 2: our eyes and we cross all our t's and you

763
00:33:44,800 --> 00:33:45,840
Speaker 2: did the right thing at the time.

764
00:33:46,160 --> 00:33:48,560
Speaker 4: That's actually fantastic advice. I didn't even know that was

765
00:33:48,600 --> 00:33:50,719
Speaker 4: the thing, because, like luckily touch Wood, I haven't had

766
00:33:50,760 --> 00:33:51,760
Speaker 4: to really be no bit.

767
00:33:52,440 --> 00:33:54,520
Speaker 2: At the end of the day. If they're a service provider,

768
00:33:54,600 --> 00:33:57,440
Speaker 2: you get a quote, yeah, call up, hey, how much

769
00:33:57,480 --> 00:33:59,480
Speaker 2: would it be to do this? Like same thing with

770
00:33:59,520 --> 00:34:02,600
Speaker 2: financial advice, Like if you want financial advice, you don't

771
00:34:02,640 --> 00:34:05,880
Speaker 2: have to jump boots all in and pay a financial advisor.

772
00:34:06,640 --> 00:34:08,279
Speaker 2: What you can do is called me like, Hey, I'm

773
00:34:08,320 --> 00:34:10,799
Speaker 2: looking at getting a financial plan. My name's Beck, I

774
00:34:11,000 --> 00:34:13,600
Speaker 2: earn about this much and I've got a few goals

775
00:34:13,600 --> 00:34:16,200
Speaker 2: that i'd like. What kind of realm would my advice

776
00:34:16,280 --> 00:34:18,200
Speaker 2: be in? A financial advice is going to be able

777
00:34:18,239 --> 00:34:20,000
Speaker 2: to say, oh, look, I can't give you a streak

778
00:34:20,000 --> 00:34:22,800
Speaker 2: to number, but it'd be between A and B. Oh okay,

779
00:34:22,760 --> 00:34:26,800
Speaker 2: no worries, thanks so much like ask questions about anything,

780
00:34:27,440 --> 00:34:30,280
Speaker 2: like so many times irrespective of whether it's a payout

781
00:34:30,320 --> 00:34:32,400
Speaker 2: for insurance, but like, how many times are we not

782
00:34:32,440 --> 00:34:34,800
Speaker 2: picking up the phone and just asking because we're scared

783
00:34:34,840 --> 00:34:37,200
Speaker 2: of how much it'll cost? Find out what it costs?

784
00:34:37,400 --> 00:34:39,319
Speaker 4: Yes, and they if they can't find you because you

785
00:34:39,400 --> 00:34:41,600
Speaker 4: just called them, they're not going to charge you anything yet.

786
00:34:41,600 --> 00:34:46,239
Speaker 2: Ah, run call from a block exactly, all right. So

787
00:34:46,280 --> 00:34:48,440
Speaker 2: we did ask the community. We said what would you do?

788
00:34:49,480 --> 00:34:52,520
Speaker 2: Sixteen percent of you said I'd take ten grand, twenty

789
00:34:52,640 --> 00:34:55,520
Speaker 2: nine percent of you said I'd negotiate with the insurers myself,

790
00:34:55,560 --> 00:34:58,440
Speaker 2: and fifty five percent of you said I'd get legal

791
00:34:58,480 --> 00:34:59,680
Speaker 2: advice even if it costs me.

792
00:34:59,680 --> 00:35:03,040
Speaker 4: S oh, I love that for us. Yeah.

793
00:35:03,480 --> 00:35:06,439
Speaker 2: The next question, we said what would stress you out more?

794
00:35:07,280 --> 00:35:10,320
Speaker 2: Forty percent of you said it would be dealing with negotiations,

795
00:35:10,840 --> 00:35:13,839
Speaker 2: but sixty percent said wondering if I could have got more? Oh,

796
00:35:13,880 --> 00:35:16,880
Speaker 2: I know, yeah, Like imagine, I know you said the

797
00:35:16,920 --> 00:35:20,000
Speaker 2: life adamans not your thing, but imagine getting the ten grand.

798
00:35:20,239 --> 00:35:23,240
Speaker 2: You're stoked, but the week after you're like, could.

799
00:35:23,040 --> 00:35:27,000
Speaker 4: It had been? It's other short term mental stress or

800
00:35:27,080 --> 00:35:29,120
Speaker 4: long term perpetually wondering.

801
00:35:29,280 --> 00:35:32,279
Speaker 2: Don't want to perpetually wonder like and I mean I'm

802
00:35:32,280 --> 00:35:36,600
Speaker 2: being pretty dramatic here, but of course the insurance company

803
00:35:36,840 --> 00:35:39,040
Speaker 2: is going to want to get out of this situation

804
00:35:39,440 --> 00:35:42,960
Speaker 2: for as little as possible. An insurance company's job is

805
00:35:42,960 --> 00:35:46,480
Speaker 2: to mitigate risks. The reason we pay insurance is because

806
00:35:47,080 --> 00:35:49,240
Speaker 2: we want to make sure that if something happens, it's covered.

807
00:35:49,480 --> 00:35:53,160
Speaker 2: But the way an insurance company makes money is essentially

808
00:35:53,200 --> 00:35:56,600
Speaker 2: betting that the amount of claims that they get in

809
00:35:56,640 --> 00:35:59,160
Speaker 2: a year will not be as much as the amount

810
00:35:59,200 --> 00:36:01,239
Speaker 2: of remuneration that they bring in each year, because like,

811
00:36:01,280 --> 00:36:03,400
Speaker 2: if all of us paying hundred bucks a year in insurance,

812
00:36:03,480 --> 00:36:05,520
Speaker 2: not all of us are claiming on insurance each year.

813
00:36:05,680 --> 00:36:07,600
Speaker 2: That's why I say I want insurance to be the

814
00:36:07,600 --> 00:36:10,080
Speaker 2: biggest waste of your time ever. Like I want you to,

815
00:36:10,120 --> 00:36:11,400
Speaker 2: you know, do your budget at the end of the

816
00:36:11,440 --> 00:36:14,120
Speaker 2: year and be like, far out, I've spent five hundred

817
00:36:14,120 --> 00:36:16,320
Speaker 2: bucks on this premium and I got nothing out of

818
00:36:16,440 --> 00:36:19,200
Speaker 2: good because you're safe, you're healthy, nothing happened to you.

819
00:36:19,239 --> 00:36:21,760
Speaker 2: Money win. I want you to spend that money again

820
00:36:21,800 --> 00:36:25,239
Speaker 2: next year. But the insurance company on the flip side's like, great,

821
00:36:25,320 --> 00:36:27,760
Speaker 2: we have so many customers paying us one hundred bucks,

822
00:36:27,840 --> 00:36:30,160
Speaker 2: but then we had to pay Beck fifty grand. That's

823
00:36:30,200 --> 00:36:31,719
Speaker 2: okay because it all comes out in the wash and

824
00:36:31,760 --> 00:36:35,120
Speaker 2: we're still a profitable business. That is how insurance works, right.

825
00:36:36,000 --> 00:36:40,799
Speaker 2: So the idea that you could have more definitely exists

826
00:36:41,440 --> 00:36:44,480
Speaker 2: because the insurance company wants to make the minimum payment

827
00:36:45,320 --> 00:36:49,120
Speaker 2: to make this issue go away. But can you imagine

828
00:36:49,160 --> 00:36:52,520
Speaker 2: the heartbreak if you didn't get advice and then a

829
00:36:52,600 --> 00:36:56,279
Speaker 2: year from now, far out, colleague, same thing happens. You're

830
00:36:56,320 --> 00:36:58,520
Speaker 2: in the lunchroom at work. You're like, what happened to

831
00:36:58,520 --> 00:37:00,200
Speaker 2: your hand? They go, I was in a correct acient.

832
00:37:00,360 --> 00:37:02,600
Speaker 2: This happened needed so far out. That's the same thing

833
00:37:02,640 --> 00:37:04,600
Speaker 2: that happened to me. They're like, oh, I'm so lucky

834
00:37:04,600 --> 00:37:08,320
Speaker 2: though my dad's a lawyer, got paid out fifty grand. Yeah, sorry,

835
00:37:08,320 --> 00:37:11,400
Speaker 2: well I just accepted ten What do you mean, like,

836
00:37:11,719 --> 00:37:14,160
Speaker 2: get the advice to put you in the best possible position,

837
00:37:14,280 --> 00:37:18,680
Speaker 2: even if it means settling for exactly what they've offered you. Yes,

838
00:37:19,080 --> 00:37:21,279
Speaker 2: so that there are no regrets in the future. So true,

839
00:37:21,360 --> 00:37:24,800
Speaker 2: peace of mind, exactly, priceless. We then obviously said to

840
00:37:24,840 --> 00:37:28,120
Speaker 2: the community, what are your two cents? Someone said, broken

841
00:37:28,239 --> 00:37:31,360
Speaker 2: bonds in a hand is definitely worth more than ten grand.

842
00:37:31,560 --> 00:37:34,399
Speaker 2: Consider all the future ailments for example arthritis.

843
00:37:34,520 --> 00:37:34,920
Speaker 4: True.

844
00:37:35,160 --> 00:37:37,440
Speaker 2: See, I don't know these things. I'm not a health professional.

845
00:37:37,480 --> 00:37:39,120
Speaker 2: That's why you shouldn't be asking me. That's why I

846
00:37:39,160 --> 00:37:42,399
Speaker 2: told you go to the lawyer. Someone else said, no way,

847
00:37:42,440 --> 00:37:44,520
Speaker 2: they're a money making business. They are always going to

848
00:37:44,520 --> 00:37:45,160
Speaker 2: low ball you.

849
00:37:45,239 --> 00:37:47,640
Speaker 4: That's very true. They wouldn't give you the top offer immediately.

850
00:37:47,719 --> 00:37:51,879
Speaker 2: Why would they? Yeah, why would they? That's why you negotiate.

851
00:37:52,840 --> 00:37:55,840
Speaker 2: Someone else said, don't accept I'm a lawyer one hundred percent.

852
00:37:55,880 --> 00:37:59,719
Speaker 2: Calculating damages is actually quite complex. Oh, there's a lawyer,

853
00:38:00,080 --> 00:38:02,440
Speaker 2: there's a lawyer coming, there's your advice. There's your advice.

854
00:38:02,440 --> 00:38:04,839
Speaker 2: Someone else said, absolutely, get legal advice. I did. I

855
00:38:04,840 --> 00:38:09,160
Speaker 2: got fifty thousand dollars more than the original offer. No way,

856
00:38:11,840 --> 00:38:14,840
Speaker 2: I'd spend five grand on legal advice to get an

857
00:38:14,840 --> 00:38:17,160
Speaker 2: additional fIF Yeah, but you don't know. We don't know, right,

858
00:38:17,280 --> 00:38:20,759
Speaker 2: I know. Someone else said, I got twelve grand for whiplash.

859
00:38:21,000 --> 00:38:24,400
Speaker 2: The original offer was four thousand dollars. I mentioned a

860
00:38:24,480 --> 00:38:27,080
Speaker 2: lawyer's name, and weirdly they update immediately.

861
00:38:27,160 --> 00:38:30,560
Speaker 4: Oh actually I forgot to mention it's extra eight thousand

862
00:38:30,560 --> 00:38:31,120
Speaker 4: dollars fee.

863
00:38:31,239 --> 00:38:34,600
Speaker 2: Oh yeah, do you still want to talk to your lawyer? Probably?

864
00:38:35,040 --> 00:38:37,200
Speaker 2: Someone else said I was told no need to get

865
00:38:37,280 --> 00:38:40,879
Speaker 2: legal advice. I did it anyway, five hundred thousand dollars

866
00:38:40,880 --> 00:38:46,080
Speaker 2: payout as always get advice. Oh my god, I don't

867
00:38:46,120 --> 00:38:49,400
Speaker 2: know what happened to you. Money diarist, not money dist

868
00:38:49,400 --> 00:38:52,240
Speaker 2: but anonymous human being from my she's on the money community.

869
00:38:52,560 --> 00:38:53,239
Speaker 4: But I hope you're okay.

870
00:38:53,320 --> 00:38:55,160
Speaker 2: I hope you're okay, because five hundred thousand dollars is

871
00:38:55,239 --> 00:38:58,799
Speaker 2: a payout. Tells me that something happened that was not great. Yes,

872
00:38:59,120 --> 00:39:01,759
Speaker 2: I hope you're happiness and healthy. Someone else said, go

873
00:39:01,800 --> 00:39:04,279
Speaker 2: to your union and get assistance. With this. They do

874
00:39:04,320 --> 00:39:07,000
Speaker 2: this for work every day union. Yeah, that's kind of

875
00:39:07,000 --> 00:39:10,400
Speaker 2: cool because obviously they're there to advocate for employees. You

876
00:39:10,440 --> 00:39:12,600
Speaker 2: always see the EAP posters on the back of the

877
00:39:12,600 --> 00:39:14,759
Speaker 2: toilet door here at work. Yeah, and they always like

878
00:39:14,800 --> 00:39:16,280
Speaker 2: call us for advice on anything.

879
00:39:16,400 --> 00:39:19,400
Speaker 4: True, I'm gonna call you, thank you, maybe I will.

880
00:39:19,160 --> 00:39:21,560
Speaker 2: And someone else last one I'll share, said, see if

881
00:39:21,560 --> 00:39:24,040
Speaker 2: you can talk to your local community legal center or

882
00:39:24,160 --> 00:39:27,080
Speaker 2: law access, which I think that's really important as well.

883
00:39:27,280 --> 00:39:29,320
Speaker 4: Good call. I was going to suggest legal laid, but

884
00:39:29,360 --> 00:39:30,759
Speaker 4: I don't know if they're figl yep.

885
00:39:30,680 --> 00:39:33,160
Speaker 2: One hundred percent. What's the worst that can happen? You

886
00:39:33,200 --> 00:39:34,840
Speaker 2: reach out and they say, sorry, we can't help you

887
00:39:34,880 --> 00:39:37,600
Speaker 2: in that department. Thanks glad. I checked. Totally would have

888
00:39:37,600 --> 00:39:39,480
Speaker 2: been free. Now I'm going to pay for some advice.

889
00:39:39,640 --> 00:39:39,879
Speaker 4: Yeah.

890
00:39:39,920 --> 00:39:42,719
Speaker 2: Now I want to recap though, Beck, So, now that

891
00:39:42,760 --> 00:39:44,920
Speaker 2: you've heard all of this, yes, what would you do

892
00:39:45,840 --> 00:39:48,320
Speaker 2: honestly saying you said, I'm gonna just take ten grand?

893
00:39:48,560 --> 00:39:50,759
Speaker 4: Yeah. No, now that I know this, and now that

894
00:39:50,760 --> 00:39:53,680
Speaker 4: I've heard from an actual lawyer and also from people

895
00:39:53,719 --> 00:39:54,360
Speaker 4: saying that they're.

896
00:39:54,200 --> 00:39:57,320
Speaker 2: From the community, being like, we want more for you.

897
00:39:57,320 --> 00:40:00,279
Speaker 4: Than now, absolutely, I would. I'd probably call all the

898
00:40:00,280 --> 00:40:03,080
Speaker 4: insurance by myself first and see what I can do,

899
00:40:03,200 --> 00:40:05,680
Speaker 4: and then I would get legal advice and just name drop,

900
00:40:06,239 --> 00:40:06,839
Speaker 4: name drop.

901
00:40:06,960 --> 00:40:09,120
Speaker 2: Should I get another lawyer and they're always going to say,

902
00:40:09,120 --> 00:40:10,840
Speaker 2: you don't need legal advice. You can just take this

903
00:40:11,000 --> 00:40:12,480
Speaker 2: cash pay out. Yeah, just take this.

904
00:40:12,560 --> 00:40:13,480
Speaker 4: Doesn't this look nice?

905
00:40:13,520 --> 00:40:16,480
Speaker 2: But imagine Yeah, imagine being in the lunch room and

906
00:40:16,480 --> 00:40:19,040
Speaker 2: hearing someone else got fifty exactly you exactly.

907
00:40:19,120 --> 00:40:20,880
Speaker 4: It would just not feel very good. I mean, like

908
00:40:20,920 --> 00:40:21,600
Speaker 4: ten k T care.

909
00:40:21,640 --> 00:40:25,239
Speaker 2: We advocate for ourselves though, Yes, because even if at

910
00:40:25,280 --> 00:40:27,359
Speaker 2: the end of the day you advocate for yourself and

911
00:40:27,400 --> 00:40:30,480
Speaker 2: the situation doesn't change, you've gained a whole heap of confidence.

912
00:40:30,680 --> 00:40:33,439
Speaker 2: You've learned a little bit more about negotiating and knowing

913
00:40:33,440 --> 00:40:35,759
Speaker 2: your worth. Like, to me, that is so important.

914
00:40:35,920 --> 00:40:40,520
Speaker 4: Yeah, I completely agree. I think get some advice, whether

915
00:40:40,560 --> 00:40:43,080
Speaker 4: it's legal aid or you have paid for legal advice

916
00:40:43,160 --> 00:40:44,440
Speaker 4: or whatever that looks like, just do it.

917
00:40:45,920 --> 00:40:48,600
Speaker 2: That is unfortunately, beck All, we have time for today.

918
00:40:48,719 --> 00:40:51,399
Speaker 2: We'll get miss Jess Gricchi back on the show next week.

919
00:40:51,520 --> 00:40:55,040
Speaker 2: Currently she's recovering and if you haven't before, leave our

920
00:40:55,080 --> 00:40:57,759
Speaker 2: podcast a review. We have started reading them out on

921
00:40:57,800 --> 00:40:59,880
Speaker 2: the show because there's nothing more that we love than

922
00:41:00,680 --> 00:41:02,520
Speaker 2: and I think you should also share it with a

923
00:41:02,520 --> 00:41:04,560
Speaker 2: friend that you think would also love to hang out

924
00:41:04,560 --> 00:41:06,520
Speaker 2: with us. Just let them know, Just let them know,

925
00:41:06,680 --> 00:41:09,120
Speaker 2: Just be like, hey, guys, I found you some new friends.

926
00:41:09,160 --> 00:41:11,040
Speaker 4: No pressure, that's us, that's us.

927
00:41:10,920 --> 00:41:17,000
Speaker 2: All right, have a good weekend, guys. Bye bye, guys.

928
00:41:19,480 --> 00:41:22,000
Speaker 2: The advice shared on She's on the Money is general

929
00:41:22,040 --> 00:41:25,920
Speaker 2: in nature and does not consider your individual circumstances. She's

930
00:41:25,960 --> 00:41:29,360
Speaker 2: on the Money exists purely for educational purposes and should

931
00:41:29,440 --> 00:41:32,600
Speaker 2: not be relied upon to make an investment or financial decision.

932
00:41:33,000 --> 00:41:35,440
Speaker 2: If you do choose to buy a financial product, read

933
00:41:35,480 --> 00:41:39,640
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

934
00:41:39,640 --> 00:41:42,960
Speaker 2: your needs. Victoria Divine and She's on the Money are

935
00:41:43,000 --> 00:41:48,040
Speaker 2: authorized representatives of Money. Sheirper pty Ltd ABN three two

936
00:41:48,040 --> 00:41:51,040
Speaker 2: one is six four nine two seven seven zero eight

937
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Speaker 2: AFSL four five one two eight nine