Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: that makes personal finance fun, especially on Fridays. It's actually
Speaker 2: our favorite day of the week because we get our
Speaker 2: little team together. It's a little bit smaller than usual,
Speaker 2: but we get our little team together and celebrate you
Speaker 2: our incredible She's on the Money community today, mister Scricci.
Speaker 2: She's actually off sick, so I'm going to be sharing
Speaker 2: her money. Wins Beck. You're here though, I am, yeah,
Speaker 2: which is very lucky because I don't want to do
Speaker 2: a solo Friday episode, it'll be so lonely, but you're
Speaker 2: going to be sharing your brogue tips and we're going
Speaker 2: to be helping to answer a money dilemma, which this
Speaker 2: week is all about whether you should uproot your life
Speaker 2: for a fifty thousand dollars bonus and your partner won't
Speaker 2: budge on it and something that you slid into our
Speaker 2: dms about this week, we're talking about a ten thousand
Speaker 2: dollar payout that's on the table. Is that enough or
Speaker 2: should she be fighting for more?
Speaker 4: Those sounds so both of them sound juicy.
Speaker 2: I feel like the second one sounds really juicy because
Speaker 2: we need to know why there's ten thousand, what's going
Speaker 2: on there? But also like fifty thousand bonus hmmm, I
Speaker 2: think I would.
Speaker 4: Honestly, I don't even know what it is.
Speaker 2: But what if your partner was like, absolutely not. Well,
Speaker 2: we're going to get into it later. Okay, we're going
Speaker 2: to get into it later, but before we get there, Beck,
Speaker 2: this has become my favorite ego stroking session. Yes, ever, yes,
Speaker 2: we're going to read out another five star review of
Speaker 2: the show, and like we've had a few coming in
Speaker 2: and I love it. If you haven't left a review
Speaker 2: of the show. It really does help us, it does.
Speaker 2: It helps to put the podcast in people's vision. Right.
Speaker 2: So we want to grow our community. We want more
Speaker 2: Shees on the Money friends, and this is a really
Speaker 2: good way of doing that. But be what is the
Speaker 2: five star review that you are going to read out
Speaker 2: this week?
Speaker 4: Okay? I do have to say looking for these and
Speaker 4: trying to dodge the really mean ones, Oh my.
Speaker 2: Gosh, why are people so nasty? Though? It is so true.
Speaker 2: I'm sorry that my voice is annoying, but it's actually
Speaker 2: something I can't change. Yes, well, let's speak like this true.
Speaker 4: I can get you on some soosterone.
Speaker 2: Thank you, thank you. That would be very kind, very generous,
Speaker 2: very not aligned to my values at this point in life. Sure,
Speaker 2: should they change, I'll hit you up easy? Okay, great?
Speaker 2: You what today?
Speaker 4: I've got one from KB who says listening and putting
Speaker 4: good habits in place makes me feel so adulty as
Speaker 4: I should at thirty two years old. Love this, potty.
Speaker 2: I love that I'm thirty three and I don't feel
Speaker 2: like an adult.
Speaker 4: No same, I'm thirty two.
Speaker 2: I'm just a teenage mum. Like that's me. I'm just
Speaker 2: a teenager. Really, are. I just don't know how life
Speaker 2: is happening to me like this, Like it all just
Speaker 2: happened like wild.
Speaker 4: You know, the age just keeps on growing. But it's
Speaker 4: like I don't think mentally I've changed adult. No.
Speaker 2: Also, at what point do we feel like adults? Do
Speaker 2: you remember when you were like young and you'd see
Speaker 2: your parents, you'd be like very serious adults?
Speaker 1: All wow, wow?
Speaker 2: Am I that serious adult? Now? I don't know, because
Speaker 2: like I see other adults at the supermarket and I'm like,
Speaker 2: way too missure for me.
Speaker 4: Yeah, like those are adults exactly. I just think you
Speaker 4: either got it you don't.
Speaker 2: I don't. We don't got it, got it? We don't
Speaker 2: got it? Physical age thirty three, mental age three Yeah yeah, yeah, Suah.
Speaker 2: I have one and I've purposely picked it because it's
Speaker 2: about Tasmania, OK, and That's where I'm from. So she said.
Speaker 2: I've loved She's on the Money since I first came
Speaker 2: across it, and I have all of the books and
Speaker 2: I'm working my way through the podcasts and masterclass. The
Speaker 2: absolute girl power that emanates from Victoria and the She's
Speaker 2: on the Money crew is so empowering. Finance doesn't have
Speaker 2: to be something for the Wall Street bros. And I
Speaker 2: now already feel so much more empowered to take control
Speaker 2: of my future in the two issues of interacting with
Speaker 2: She's on the money, I've transformed things already. I have
Speaker 2: an emergency fund, I've been bucketing my finances, I have
Speaker 2: a clear budget, and I am learning to invest. And
Speaker 2: then I found out V is a tazzy girl. We know, literacy,
Speaker 2: whether it's medical, educational, or financial, is sadly very poor
Speaker 2: in Tasmania. So I just love to see a tazzy
Speaker 2: girl giving back. That is Isn't that so cute.
Speaker 4: Comprehensive, That is so good?
Speaker 2: I love it. No, finance isn't for the Wall Strip bros.
Speaker 4: Totally.
Speaker 2: I visited Wall Street kind of boring TVH was it? Yeah,
Speaker 2: there was like a ball statue. I did get a
Speaker 2: picture with that because if you know, you know what statue,
Speaker 2: it's there's like a bull the wall, Like it's a
Speaker 2: big bull like bronze statue. Yeah, we did a whole
Speaker 2: series on it. Turns out it costs like hundreds of
Speaker 2: thousands of dollars. I said, of course it did. But
Speaker 2: there's literally not one thing that's interesting about being a
Speaker 2: wall streep bro I see.
Speaker 4: Were they like papers flying and like phone ringing.
Speaker 2: No, they were just really mediocre, middle aged white men
Speaker 2: walking around just like going to work and stuff.
Speaker 4: I see.
Speaker 2: It's also a pret It was like, is that Oh
Speaker 2: my gosh, Prett in the US and the UK incredible.
Speaker 2: It's like all of the good things from seven to eleven,
Speaker 2: like all of the food, all of the sandwiches, all
Speaker 2: of the drinks. But it's just a shop for snacks Prett. Yeah,
Speaker 2: and they do get these coffee subscriptions, so Beck, you
Speaker 2: could have a coffee subscription and get as many coffees
Speaker 2: as you wanted in a month. I think that's that figure.
Speaker 2: That's a good deal.
Speaker 4: That is a good deal. It depends on much it is.
Speaker 2: It's really reasonable. I can't remember the price, but like
Speaker 2: let's say it was like sixty bucks for the month
Speaker 2: or something. That's like it's real, hinged good.
Speaker 4: Yeah, that's real.
Speaker 2: Because I did the mask and I was like I
Speaker 2: would fly through that. I would fly through that anyway.
Speaker 2: Advantage anyway, let's jump in miss Jessica Ricci. She's away
Speaker 2: this week. She's under the weather, so we kind of
Speaker 2: banned her from the studio, we said, we don't want
Speaker 2: you here if you're under the weather. We want you
Speaker 2: to stay in bed. So I went ahead and picked
Speaker 2: my favorite money wins from the community instead. So first
Speaker 2: one up is from our friend Amanda. She said, when
Speaker 2: the supermarket mislabels a product as twenty two for sixteen
Speaker 2: dollars instead of two for sixteen dollars, and you clear
Speaker 2: out their stock and make them honor the ticket price
Speaker 2: or two hundred bucks saved, Oh my god, that's hechtic.
Speaker 2: That actually makes me laugh so much because it's obviously
Speaker 2: an error. But she's like, you know what, the supermarket
Speaker 2: has made literal billions this year. I think you can
Speaker 2: take this hit.
Speaker 4: Yeah, that's true actually, And two hundred and.
Speaker 2: Forty five people from our community liked that post.
Speaker 4: Amazing. And those are the.
Speaker 2: These are there? I don't know what these are? Do
Speaker 2: you know what these are?
Speaker 5: Yes?
Speaker 2: Of course, Oh my god.
Speaker 4: I'm constantly perpetually in the protein aisle. And those look
Speaker 4: like those little they're very expensive. There's little balls.
Speaker 2: Yeah, that was very expensive. So they look like protein balls.
Speaker 2: It says four protein and probiotic field balls any two
Speaker 2: for sixteen dollars. But the spelling Mistakes has twenty two
Speaker 2: for sixteen dollars.
Speaker 4: That is an incredible that's a good deal money.
Speaker 2: She could have got more, but at the end of
Speaker 2: the day, she just cleared them all out. She took
Speaker 2: what she couldn't She ran, Oh, isn't that iconic?
Speaker 4: That's great?
Speaker 2: Okay, So next one. I don't know if you guys
Speaker 2: have been following along, but this week I have been
Speaker 2: on an epic rant about multi level marketing companies. Yes,
Speaker 2: how predatory and deceptive they are. How I want to
Speaker 2: make sure that people in our community are protected but
Speaker 2: educated about them, because I'm all about you making the
Speaker 2: right decision for you. But I get so frustrated when
Speaker 2: I see women putting themselves out in a position where Becky,
Speaker 2: you know how hard it is to make content. You
Speaker 2: work in content, To get in front of a camera
Speaker 2: and post on Instagram about a product, about a service,
Speaker 2: about your business is hard work. These women are doing
Speaker 2: this but putting themselves behind long term, so it actually
Speaker 2: kills me. But this week Holly's money Win. She says,
Speaker 2: money Win didn't join a multi level marketing as a
Speaker 2: new mum looking for side hustles. Good you know, you
Speaker 2: know yeah, and I laughed so hard, like, Holly, you're
Speaker 2: a real one. I have a money win from Sophie.
Speaker 2: She said, I bought my wedding alcohol from Dan Murphy's
Speaker 2: and everything that was unopened and not refrigerated can be returned,
Speaker 2: So we have eight hundred bucks back in our pockets.
Speaker 4: Oh that is great, so smart eight hundred bucks.
Speaker 2: I know, and like, you wouldn't have got a refund
Speaker 2: for that otherwise.
Speaker 4: Yeah, totally.
Speaker 2: Wedding venues aren't going to cough that up for you
Speaker 2: if you didn't drink them out of house and home.
Speaker 4: Absolutely, that is so good. And to have that in
Speaker 4: the back of your mind, like, oh, I'm going to
Speaker 4: purposely not refrigerate these and.
Speaker 2: Yeah, one hundred percent. But also making sure that you
Speaker 2: know that you know, you didn't get to the venue
Speaker 2: and the bar stuff just opened to every slab and
Speaker 2: put it in an ice pocket or something so small.
Speaker 4: That is clever.
Speaker 2: It's very clever. I have another one from Gabrielle, which
Speaker 2: is really I have another one from Gabrielle, which for
Speaker 2: me is really relevant because if you followed me on
Speaker 2: social media, you know I am meant to be renovating
Speaker 2: my front garden at the moment, Peck and my husband
Speaker 2: and I'm not paying for demo. It's not happening, SUI Like,
Speaker 2: I feel like you can't mess up demo that bad.
Speaker 4: Like demo would be fun.
Speaker 2: H it is fun, but also like once you've knocked
Speaker 2: down the fun things, like you then have to like
Speaker 2: weep the whole garden and pull out bricks and stuff.
Speaker 2: But it's fine because it's free. Beck, but my landscaping
Speaker 2: quote came back at a significantly higher amount. So I've
Speaker 2: actually just parked it and been like, absolutely not. I
Speaker 2: will revisit that when I have the mental capacity. So
Speaker 2: currently my front yard looks barren. You know when you
Speaker 2: like get halfway through a project and then you're.
Speaker 4: Like, we actually don't want to do this anymore.
Speaker 2: Yeah, But like I didn't want to do it because Beck,
Speaker 2: the quote was astronomical. It turns out Gabrielle's having the
Speaker 2: same thing. She said, we got quoted for landscaping forty
Speaker 2: one thousand dollars two our yard excavated top soil and grass.
Speaker 2: Went ahead and got another quote which was thirty eight
Speaker 2: thousand dollars. But then I went to the local nursery
Speaker 2: and got prices for the materials to do it ourselves
Speaker 2: much cheaper, and found a local business that will excavate,
Speaker 2: supply and lay all of the top soil for only
Speaker 2: five grand. Oh great. We ordered the grass from a
Speaker 2: turf company which will be five and a half grand,
Speaker 2: which will lay ourselves. So instead of spending thirty eight
Speaker 2: to forty one thousand dollars, it's costing US ten and
Speaker 2: a half grand. Oh perfect, isn't that good?
Speaker 1: Yeah?
Speaker 2: I actually need to hit you up, Gabrielle, because I
Speaker 2: currently am in that situation. They're oh my gosh, the audacity.
Speaker 4: Oh that's wild, but so expensive, Like it's exercise, it's
Speaker 4: getting on the sud.
Speaker 2: And I'm happy to do it ourselves. But at the
Speaker 2: same time, it's this, as you know, I'm a finance girlie.
Speaker 2: It's the balance between understanding property value then not over
Speaker 2: capitalizing on a property that you've purchased, because you know,
Speaker 2: let's say that the quote that I got was fifty
Speaker 2: thousand dollars to have my front yard done, which is
Speaker 2: about what it was. Actually, Am I making a smart
Speaker 2: money decision by investing fifty thousand dollars in doing up
Speaker 2: the front yard? Like would it actually add value to
Speaker 2: our property, or would just tidying it up and you know,
Speaker 2: painting the front of the house and planting some new
Speaker 2: plants that we do ourselves basically add the same value. Yeah,
Speaker 2: So you've got to balance it. And I feel like
Speaker 2: so many times, especially as a property owner, you get
Speaker 2: so excited about like, oh my gosh, I'm going to
Speaker 2: do this and this, that you forget to look at
Speaker 2: what the value of the property is and what value
Speaker 2: you're adding to make sure that it stays a good investment. Yeah,
Speaker 2: because it's so easy to just spiral and go, oh
Speaker 2: my gosh, no, I really want to put in fancy
Speaker 2: kitchen or I really want a new bathroom, But you
Speaker 2: need to zoom out a little bit and look at
Speaker 2: the market and go, Okay, well if I put in
Speaker 2: a new bathroom and the intention is to lease out
Speaker 2: this house, how much additional value am I going to
Speaker 2: get from this?
Speaker 4: Incredible?
Speaker 2: Very hard anyway, moving on, Queen mate, it's all I
Speaker 2: think about and breathe. I actually, no, that's not true.
Speaker 2: All I think about nowadays is multi level marketing. I
Speaker 2: have another money in from Janine, she said with the
Speaker 2: CBA glitch recently, I decided to check all of my
Speaker 2: accounts that I don't use and I haven't closed yet.
Speaker 2: I found two hundred and ninety six dollars in my
Speaker 2: ing account from AHM give backs and Sentling CSS payouts
Speaker 2: that I'd paid more than I should have. I guess incredible.
Speaker 2: It was like the equivalent of finding fifty bucks in
Speaker 2: a random pair of pants for me.
Speaker 4: God that feels.
Speaker 2: It also reminded me to change my bank account. It
Speaker 2: also reminded me I have to change my bank account
Speaker 2: for my health insurance and my Centralink payments. Oh perfect,
Speaker 2: I love this, But also two hundred and eighty six bucks. Yeah, girl,
Speaker 2: that's some groceries and a few nice drinks.
Speaker 4: Like God, yeah, that'll save you.
Speaker 2: I love that all right. I have one more. This
Speaker 2: is a fun one. This is from Ebony. She said.
Speaker 2: I've been eyeing off Devotion by Dolsha Anger Barner, but
Speaker 2: held out because of how pricey the perfume was. I
Speaker 2: looked it up again the other day because I noticed
Speaker 2: my current perfume was running out. Turns out that the
Speaker 2: one hundred mil bottle was on sale for half price
Speaker 2: at price Line and chemist Warehouse, but still full price
Speaker 2: at my own David Jones. So babies run, don't walk.
Speaker 4: Yeah, yeah, that's great, like.
Speaker 2: You, isn't that cute? Also, I'm not buying it full price.
Speaker 4: No, don't buy anything for people.
Speaker 2: Perme full price. Actually, I feel like it's illegal.
Speaker 4: It should be illegal, Yes, it should be illegal. Yeah,
Speaker 4: I mean I feel like that kind of stuff always
Speaker 4: is on sales. Somewhere somewhere, you're find.
Speaker 2: Somewhere somehow you're going to get a money Wally, need
Speaker 2: to look for it.
Speaker 4: Aham actually gave me cash back. I don't know that's
Speaker 4: what you give deal. I really don't know why. I
Speaker 4: just got one hundred bucks randomly. And I'm not asking
Speaker 4: questions but.
Speaker 2: No, no questions, only answers. Thank you for your money,
Speaker 2: Thank you for your money. On exactly, that's a good
Speaker 2: broake tip. Check your actual bank account.
Speaker 4: Yeah, that's very true.
Speaker 2: I should not be giving the broke tips because that
Speaker 2: was a terrible one. Bet you have some good broke
Speaker 2: tips for us.
Speaker 4: This way I do I do good is subjective, but
Speaker 4: hopefully these are.
Speaker 2: You know what it is. It's subjective. But at the
Speaker 2: end of the day, I just think everything you do
Speaker 2: is good, So turn out tell you.
Speaker 4: That's so sweet to our listeners think the same. Okay,
Speaker 4: this first one comes from a Lissa who gave me
Speaker 4: really good broke tips. So this is more for like,
Speaker 4: if you want to go for like an outing, or
Speaker 4: you want to take someone out for their birthday, but
Speaker 4: you don't want to spend any money. I don't know
Speaker 4: if you remember. I mean when I say remember, this
Speaker 4: is ongoing. This has been a thing back of the
Speaker 4: day and still today. But if you go to a
Speaker 4: show with a live audience and you get someone a ticket,
Speaker 4: yourself and your friend a ticket, it's usually free. Usually really,
Speaker 4: if you're going to like a live show, and I
Speaker 4: think it's good for both parties for free.
Speaker 2: Is that what you mean?
Speaker 4: You could ask? You could ask, but I'm thinking more
Speaker 4: like the project or you know what I mean.
Speaker 2: You know how mad I am. This is niche content.
Speaker 2: But I applied to be in the audience for thank
Speaker 2: God You're Here. Oh that would be good. It was
Speaker 2: like twelve months ago. Gabby and I. So, Gabby's my
Speaker 2: old ea. She and I, well, let's go. We really
Speaker 2: want to be in the audience for thank God You're Here. Like,
Speaker 2: I can't think of a better show to get an
Speaker 2: audience for We Got It. I was on holiday at
Speaker 2: the time. Oh no, they wouldn't let Gabby transfer tickets.
Speaker 2: Oh I see, so she went by herself. She's like,
Speaker 2: night of my life. It would be so much fun.
Speaker 4: And God, you're here though, that would be a great
Speaker 4: one to see likely but that's a good thing.
Speaker 2: Sign up for all of those and you can go
Speaker 2: to the show for free, for free, and.
Speaker 4: It's such a fun night out. And if you want to,
Speaker 4: you know, get make food at home, or you want
Speaker 4: to go to seven to eleven, grab yourself a really
Speaker 4: cheap sushi. You don't have to spend that much money
Speaker 4: to have. Honestly, one of the best nights ever.
Speaker 2: Also, it's coming into summer, so low key picnic dates
Speaker 2: are back. Picnic dates are back, exactly back. My mother's
Speaker 2: group has been doing that a lot, so that's very cute.
Speaker 2: I have a day off a week to hang out
Speaker 2: with Harvey, and it happens be on the day that
Speaker 2: Mother's group happens, which is very very lucky. But we've
Speaker 2: been just taking some picnic blankets to the park, packing
Speaker 2: a few snacks in our bags, and just hanging out
Speaker 2: in the park for a couple of hours. It is elite.
Speaker 4: It's very cute, so wholesome. And I always say, when
Speaker 4: you're in the elements, you're a little bit sillier, and
Speaker 4: you have.
Speaker 2: A little bit silly when you have.
Speaker 4: A fire, when you're sitting on the grass, when you're
Speaker 4: in the wind, in the water, silly and fun.
Speaker 2: Kids for some reason are just happier outside, absolutely mad
Speaker 2: outside who love it exactly exactly. What else have you got?
Speaker 4: This is one that my friend told me about. And
Speaker 4: on Reddit, there is a subreddit I think that's what
Speaker 4: you call it. It's called yeah Ossie frugal and in
Speaker 4: Ossie Frugal and I can give you the link to
Speaker 4: this as a thread that it's updated fortnightly food box
Speaker 4: slash mill kit referral thread in the genius Yeah, and
Speaker 4: so you can. But I did have a little squizz.
Speaker 4: It's not just food kits, it's there was other things
Speaker 4: like coupon's and all this kind of stuff.
Speaker 2: So being involved in the community like.
Speaker 4: That, yeah yeah, And it's like it's pinned, so if
Speaker 4: you if you search Aussie frugal reddit, it'll be at
Speaker 4: the top of it should be at the top.
Speaker 2: They're all close to the top and.
Speaker 4: Yeah, just go in there and see if you can
Speaker 4: find like any kind of food box or whatever whatever
Speaker 4: you've got. Yeah, it was really fine. I almost just
Speaker 4: spent like hours on the scening night and meant to
Speaker 4: be working.
Speaker 2: That's okay. It was research.
Speaker 4: It was research.
Speaker 2: It was research. It was research for your business.
Speaker 4: It was really really cool.
Speaker 2: Like how I've been going down rabbit holes on TikTok
Speaker 2: watching m LM videos. It's for work hours, for work exactly.
Speaker 4: Help you're doing overtime and we appreciate you for it.
Speaker 2: Thank you, thank you. I do go above and beyond.
Speaker 2: I can't wait to give you the next update about that.
Speaker 2: But Beck, what's your breake tip?
Speaker 4: Okay, so my one. I'm not sure if I might
Speaker 4: have mentioned already, but it was just as my partner's birthday,
Speaker 4: just on the weekend.
Speaker 2: I did see that. I was very cute. Your posts
Speaker 2: on Instagram were very wholesome.
Speaker 4: Thank you much.
Speaker 2: Very couplely.
Speaker 4: I was like a couple of oh my god, it's
Speaker 4: really getting real. I mean, you know, it is real.
Speaker 4: We went to Dalesford and I am I just don't
Speaker 4: really say capital. It is the capital capital that makes sense,
Speaker 4: that makes sense rainbow flags everywhere, and we just felt
Speaker 4: so like we wanted to go somewherehere we could hold
Speaker 4: hands up being like yelled at or something. I don't know,
Speaker 4: I'm just really scared of that.
Speaker 2: So is that a thing still?
Speaker 4: Every now and then it's like someone will maybe say
Speaker 4: something under their breath, or people will just stare or something.
Speaker 4: It's just very like I think I'm more conscious of it.
Speaker 1: Then.
Speaker 2: I'm so angry for you.
Speaker 4: Thank you so much. I'm just like, maybe I'm just
Speaker 4: hyper aware of it. I mean, it's not even the
Speaker 4: fact that.
Speaker 2: You have to be hyper aware of the person that
Speaker 2: you're holding hands like.
Speaker 5: What I know.
Speaker 4: I know it's it is like it's probably not as
Speaker 4: big anymore, but it's like it's still every now and
Speaker 4: then you'll you'll it just feel like comfortable. But anyway, Dalesford,
Speaker 4: I'm sorry, that's real shit. Thank you so much. It's talking.
Speaker 4: Dalesford was lovely though, like, of course, I'm so so
Speaker 4: at home there. Did you go for a walk around
Speaker 4: the lake? I've been hearing about this lake. I never
Speaker 4: saw any lake.
Speaker 2: That's like a free activity. That lake is stunning.
Speaker 4: Okay, that's good to know.
Speaker 2: What's your actual broak.
Speaker 4: I need to go to leven Duela.
Speaker 2: It's really beautiful way, it's beautiful too.
Speaker 4: I bought Jess's birthday gifts too early in advance and
Speaker 4: have no self control, so it gave them to her before.
Speaker 2: And so I was like, how do I do this?
Speaker 2: I thought I was genius. I bought Harvey's Christmas present
Speaker 2: here that we're.
Speaker 4: Going to have exactly exactly. That's another broke tip by
Speaker 4: the present right before the last minute, because I just
Speaker 4: there's no way anyone has that I can't. And so
Speaker 4: I was like, Okay, how do I do this cheaply?
Speaker 4: So I just bought calistic scissors and I feel like
Speaker 4: I always talk about being crafty, but I bought some
Speaker 4: paper as well, and I think all that cost me
Speaker 4: three dollars. I made a handmade box. Inside were little
Speaker 4: like love hearts that it turned into envelopes, and in
Speaker 4: there were just like a bunch of little letters or
Speaker 4: like all the things I love about you, and that
Speaker 4: in itself is like a perfect gift.
Speaker 2: And it was yes, yeah, Like I have a beautiful
Speaker 2: husband that I'm very great for. He would never, oh,
Speaker 2: he would never.
Speaker 4: I will.
Speaker 2: Honestly straight it's not a choice. Back.
Speaker 4: I'm starting to see this.
Speaker 2: Yeah, it's not.
Speaker 4: Well for if he is listening, and if he's not,
Speaker 4: well that's a shade. But tell him if you have
Speaker 4: everyone's out of money or just doesn't want to spend
Speaker 4: that much on you.
Speaker 2: Actually would prefer a gift like that and then like
Speaker 2: a super expensive one, like to me, the idea that
Speaker 2: someone wrote all the things that they love about me
Speaker 2: on Little Love Be for real. That's so cute and wholesome.
Speaker 4: And honestly, the reason why it's a breake tip is
Speaker 4: because it literally costs me like three dollars.
Speaker 2: Maybe may probably do it with stuff around your house.
Speaker 4: Absolutely, like magazines or whatever, whatever crafty stuff you've got
Speaker 4: around your house. It doesn't even have that have to
Speaker 4: cost anything.
Speaker 2: Really, you could see a print of paper from work,
Speaker 2: printed paper from.
Speaker 4: Work exactly they go. So that is my brain.
Speaker 2: That's a really sweet get tifty.
Speaker 4: I love it. Thank you so much.
Speaker 2: All right, let's go to a really quick break because
Speaker 2: as much as I love hearing about your love life,
Speaker 2: I really want to hear about your thoughts about what
Speaker 2: you would do if offered a fifty thousand dollar bonus
Speaker 2: and your partner wasn't on board with moving because of it.
Speaker 2: And I also want to talk about the DM that
Speaker 2: we got this week, which is about a ten thousand
Speaker 2: dollar payout that's on the table, but we don't know
Speaker 2: if it's enough or if she should be fighting for
Speaker 2: more because we don't have enough context yet, So let's
Speaker 2: talk about it on the flip side.
Speaker 4: Okay, welcome back everyone. Here's our money dilemma.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve that. She's on the Money Team is here
Speaker 2: to help. Every week we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 5: The money. So my money a limit is I have
Speaker 5: been with my partner for four years, we aren't married,
Speaker 5: we don't own a house, we're not financially set up,
Speaker 5: and I got offered an amazing opportunity with my job.
Speaker 5: So with that I would get paid fifty thousand dollars
Speaker 5: tax free if I relocate out rural and work there
Speaker 5: for the year. When I spoke to my partner about it,
Speaker 5: he was quite negative, said he wasn't prepared to move
Speaker 5: because he will have to find a new job. He
Speaker 5: doesn't want to sacrifice his life here. So it puts
Speaker 5: me in a tricky situation. Yeah, what do you think
Speaker 5: I should do?
Speaker 2: What do you reckon?
Speaker 4: Back? It is a tricky one because I can understand
Speaker 4: not wanting to move, not wanting to give up your
Speaker 4: lifestyle and stuff. It is just for a year, but
Speaker 4: it still feels like a big amount of time, a
Speaker 4: long time to spend away from family and friends in
Speaker 4: your life. But I guess the risk is that, like,
Speaker 4: if your partner can't find a job, then that fifty
Speaker 4: k he must go towards supporting you both, you know
Speaker 4: what I mean. So I'm like, if your partner, you
Speaker 4: know what I know, it's crazy. But if it were
Speaker 4: my situation, I would suggest long distance for the year,
Speaker 4: but every month visit each other, or do like two
Speaker 4: weeks and two weeks here, it depends on the working situation.
Speaker 4: If the partner can do work from home, then you
Speaker 4: could conceivably if it's not too expensive, just kind of
Speaker 4: go back and forth for the year until or just
Speaker 4: do like a month.
Speaker 2: I don't know. It doesn't have to do.
Speaker 4: Your partner doesn't have to do the whole year, is
Speaker 4: what I'm saying. But the risk is there that if
Speaker 4: your partner moved with you couldn't find a job. There
Speaker 4: goes at fifty k.
Speaker 2: You know what I mean in percent, and I think
Speaker 2: that that's what's really important to consider. Yeah, like my advice,
Speaker 2: you're going to be surprised about this, Beck when in
Speaker 2: doubt zoom out? Yes, Sorry, what are you currently earning?
Speaker 2: What's your partner currently earning? I think this is probably
Speaker 2: a bigger question. I don't know. I feel like the
Speaker 2: way she framed the question was like, we've been together
Speaker 2: for four years, we're not married. We haven't, you know,
Speaker 2: financially set ourselves up together. I feel like you're thinking
Speaker 2: about the bigger picture, and it's probably time to have
Speaker 2: a conversation with your partner about the bigger picture. Like,
Speaker 2: let's zoom out, what does the next ten years together
Speaker 2: look like? Are we planning on staying together? I know
Speaker 2: that that's a really big discussion, and I'm not going
Speaker 2: to turn around and be like beg so should I
Speaker 2: just move? Like are we done? Like that's not the conversation,
Speaker 2: but like, are we planning on getting married? Fifty thousand
Speaker 2: dollars tax free is a heap of money if we
Speaker 2: put that in perspective. If you're on a thirty two
Speaker 2: and a half percent tax, right, that's a sixty six
Speaker 2: thousand dollars salary. Yes, So to be able to save
Speaker 2: one hundred percent of that and have it deposited in
Speaker 2: your account, you'd need to probably earn way more than that.
Speaker 2: That's going to take you a number of years to
Speaker 2: bank up. Like most people don't even have access to
Speaker 2: five hundred dollars in an emergency. So to me, this
Speaker 2: could potentially be a life changing amount of money. And
Speaker 2: if you're in this situation, you're like, well, actually, I'd
Speaker 2: love to have fifty grand in my bank account and
Speaker 2: I'm going to go do this job where I'm going
Speaker 2: to earn a really good income. This could put me
Speaker 2: significantly ahead. I don't want you to say no to
Speaker 2: this opportunity. For some dude, that's not going to be
Speaker 2: your future. If we're being brutally honest, Like I don't
Speaker 2: mean to be rude about it, but like if you've
Speaker 2: been together for four years, like are we staying together
Speaker 2: or were planning on purchasing property together? Are we planning
Speaker 2: on you know, getting married? At some point you don't
Speaker 2: have to do any of those things if they're not
Speaker 2: in your value set, that's fine. But like if it
Speaker 2: was me and I go back to where my husband
Speaker 2: and I weren't married and didn't have a house deposit,
Speaker 2: if you'd put fifty grands on the table and said
Speaker 2: that you have to work remotely, I kind of would
Speaker 2: have been like, oh, yeah, okay, Like that is my
Speaker 2: house deposit, that is my whole wedding paid for, Like
Speaker 2: do you know what I mean? Like those are life
Speaker 2: changing amounts of money. Definitely, fifty thousand dollars invested, like
Speaker 2: be for real, that's so much. BEG that's true. So
Speaker 2: I'm not saying do it, but I do want you
Speaker 2: to have a bigger discussion because if it is you
Speaker 2: and him against the world and you are going to
Speaker 2: be together forever and that's the plan, but then you know,
Speaker 2: let's say he earns one hundred and ten thousand dollars
Speaker 2: a year moving regionally, you lose that income, Maybe it's
Speaker 2: not worth it for both of you, and that's okay,
Speaker 2: But if the bigger picture is that you're like, oh,
Speaker 2: we've been together four years and the additional context is
Speaker 2: we're not married because we don't really want to marry
Speaker 2: each other. Like, I think you need to have a
Speaker 2: think about the actual relationship and what that looks like
Speaker 2: and how that works, because I don't think it's about
Speaker 2: should my partner our root for fifty grand? Well, not necessarily,
Speaker 2: but how would that fit? Like, sit down and brainstorm
Speaker 2: it together. Be like you know, you and I, Beck,
Speaker 2: we sit down and go, how would fifty thousand dollars
Speaker 2: change our financial situation? You know, if we were earning this,
Speaker 2: what would that look like? Okay, fifty grand would impact
Speaker 2: us like this? Okay, but now Beck, you might not
Speaker 2: be able to get work? Is that a good idea? Still? Maybe? Maybe?
Speaker 1: Not?
Speaker 2: Like you need to put your thinking caps on because
Speaker 2: I think at the moment you potentially are a little
Speaker 2: bit tunnel visioned. Yeah, because fifty grand's on the time,
Speaker 2: is working remotely a good idea? Maybe you do go
Speaker 2: maybe it is the advice that you gave back and
Speaker 2: you have a long distance relationship, that's not so that
Speaker 2: you put yourself first. Maybe you both decide, Okay, partner,
Speaker 2: you keep your job, kill it for a year. I'm
Speaker 2: going to go work remotely for twelve months. Get this
Speaker 2: fifty grand, and when I get back, we're going to
Speaker 2: be set. We could buy a house together, Like this
Speaker 2: is a sacrifice that we are making for our relationship
Speaker 2: right now. It doesn't feel like you're on the our page. Yeah,
Speaker 2: does that make sense? Like the way she spoke about
Speaker 2: it, it was like I want to do this and my
Speaker 2: partner wants it, Like where's the Wii? If you're going
Speaker 2: to be in a relationship.
Speaker 4: That's very true. My other thought is if work is
Speaker 4: paying for accommodation and moving fees whatever they look like,
Speaker 4: then it feels a lot bigger for me.
Speaker 2: How much more could you save? So fifty grand as
Speaker 2: a cash payment, but how much you've saving dream?
Speaker 4: Yeah, and if it's if they're not paying for accommodation
Speaker 4: and things like that, then I'm like, well, if you're
Speaker 4: both not moving, like, are.
Speaker 2: They giving you this fifty grand because accommodation's few and
Speaker 2: far between it and you actually.
Speaker 4: Have to pay a lot for it exactly, Like how
Speaker 4: much of this is just saving and you could put
Speaker 4: it toward your future, and how much of it has
Speaker 4: to go toward paying for your things to be moved
Speaker 4: and paying for accommodation and paying for food and paying
Speaker 4: for all this stuff.
Speaker 2: I think you need to take off the emotions hat
Speaker 2: and just go pragmatic hat and go okay, cool, What
Speaker 2: would it mean financially if we both moved? What would
Speaker 2: it mean financially if I just moved? What would it
Speaker 2: mean if you know, and just like, workshop the strategies
Speaker 2: that could be in play and then pick the one
Speaker 2: that you think is right for you and your situation.
Speaker 4: Completely agree.
Speaker 2: Yeah, and it's hard to take the emotion's hat off,
Speaker 2: I know, because you're like, but I want my partner
Speaker 2: to want what's best.
Speaker 5: Yeah.
Speaker 2: I promise you'll be on the same page if you
Speaker 2: get a lot of clarity.
Speaker 4: Yes, great advice.
Speaker 2: All right, are you ready the juicy one we've all
Speaker 2: been waiting for? Bet? Are you ready ready? DM? We
Speaker 2: got this week. Hey, she's on the money, hoping you
Speaker 2: might be able to help me with my money dilemma.
Speaker 4: That's, of course we can help you.
Speaker 2: I was injured in a car accident at the beginning
Speaker 2: of twenty twenty one and as a passenger, I'm covered
Speaker 2: under CTP insurance. I broke some bones in my hand
Speaker 2: and required surgery and time off work. The insurance company
Speaker 2: has proposed a payout of ten thousand dollars to set
Speaker 2: all the claim, but I'm lost. I don't know how
Speaker 2: to counter this, whether the amount will be enough to
Speaker 2: cover potential future costs, whether I should seek lawyer's advice
Speaker 2: as they may end up taking more in fees than
Speaker 2: the amount I was actually offered, or just accepting the
Speaker 2: amount of money that they have proposed and just take
Speaker 2: it as a win. I'm coming up to the three
Speaker 2: year deadline and it's been something I've been stewing on
Speaker 2: for a really long time. I would love the community's
Speaker 2: input on this one. Thank you so much in advance.
Speaker 4: Hmmm, God, that's a really tricky one. Like what I
Speaker 4: would do is probably not smart, but admin for me
Speaker 4: is my worst nightmare. So I would probably be like,
Speaker 4: oh yeah, I'll take it, or I would maybe inquire
Speaker 4: just with the insurance company and not get anyone else involved.
Speaker 4: I would inquire once be like I've done the best.
Speaker 4: I can take it and run with it. But it depends.
Speaker 4: Does this I wonder if our listener is currently working
Speaker 4: and of back in twenty twenty one. Also, I'm really
Speaker 4: sorry this happened. By the way. Sorry, I've got to
Speaker 4: mention that first, but this does sound terrible. I'm sorry.
Speaker 2: So clearly there are long lasting impacts.
Speaker 1: Yeah.
Speaker 4: Yeah, So I'm like, I'm if in twenty twenty one
Speaker 4: you lost a significant amount of work and a significant
Speaker 4: amount of money due to that, then, but you can
Speaker 4: currently work. Because I'm a little bit mentally on the
Speaker 4: let me take the easy road, I'd be like, oh,
Speaker 4: to take it, that's fine. But if it's like if
Speaker 4: it was something that was still affecting me, I'd be like, let's.
Speaker 2: Get some people involved.
Speaker 4: I don't know, I don't know.
Speaker 2: This really is tough. Yeah, thoughts, of course I have thought.
Speaker 2: So first things first, CTP is compulsory third party insurance. Yes,
Speaker 2: so that is to make sure that you are protected
Speaker 2: and it in Victoria and New South Wales non negotiable.
Speaker 2: You have to it. Second to that, what's the worse
Speaker 2: it could happen? Meck, so zooming out a little bit.
Speaker 2: I love to do a little zoom out right, Yeah,
Speaker 2: an insurance company has offered you ten thousand dollars. That
Speaker 2: means that the insurance company has admitted that you deserve
Speaker 2: a payout, so they know you deserve a payout. Asking
Speaker 2: for more is not off the table. We negotiate everything
Speaker 2: as she's on the money, Like you wouldn't be a
Speaker 2: money queen if you're not just going I know that
Speaker 2: there's probably better there, Like everything's up for negotiation. Would
Speaker 2: I get legal advice, Yes, because I don't believe that
Speaker 2: the legal advice would outweigh the ten thousand dollars. But
Speaker 2: also you can inquire on how much legal advice would cost.
Speaker 2: I think a lot of us get a little bit
Speaker 2: of analysis paralysis and think that when we call a lawyer,
Speaker 2: that's going to cost us, you know, fifty million dollars
Speaker 2: a minute. But you can call the law firm and
Speaker 2: be like, hey, how much would it cost to get
Speaker 2: some advice on a settlement payout?
Speaker 4: Yeah?
Speaker 2: At the moment, I'm assuming you probably get all your
Speaker 2: documentation together pretty cleanly and get a short period of
Speaker 2: consultation where your lawyer might not speak on your behalf
Speaker 2: but might go yeah, actually, Beck, you probably could get more,
Speaker 2: or they might provide some insight where they go actually,
Speaker 2: have seen similar injuries happen, and on average they do
Speaker 2: pay out ten grand. Okay, no aries, thank you for
Speaker 2: your time, or they might go I've seen similar injuries
Speaker 2: happen beck and they're actually settling for twenty five grand.
Speaker 2: So ask for twenty five grand and when you go back,
Speaker 2: you tell them that you know that, Like that's the
Speaker 2: power in getting advice. So I'm not saying that that's
Speaker 2: going to be the outcome. But often we get a
Speaker 2: little bit scared seeking advice because we're scared of how
Speaker 2: much it would cost, when the reality is you can
Speaker 2: actually just ask them, well, how much would it cost
Speaker 2: to get your advice? Like the end of the day,
Speaker 2: they're a service and they need to be clear about
Speaker 2: their pricing at the start. So maybe even call a
Speaker 2: few different law firms. I would look into injury specific
Speaker 2: law firms so that they're not a lawyer who needs
Speaker 2: to do a whole heap of research in the background
Speaker 2: because they don't know the space. But saying it's a
Speaker 2: simple injury, obviously there are ongoing impacts because otherwise you
Speaker 2: wouldn't be getting a payout. But what I would be
Speaker 2: doing is having a chat with someone going how much
Speaker 2: would it cost me? Because I can tell you right now,
Speaker 2: even if you're only still going to get ten grand,
Speaker 2: I'd love to spend five hundred dollars to make sure
Speaker 2: that I'm covering my bike. It's kind of like an
Speaker 2: additional insurance policy. Yes, And would you like to lose
Speaker 2: five hundred bucks and get the ten grand or lose
Speaker 2: five hundred bucks? And maybe there was an opportunity that
Speaker 2: you could have turned that additional money to fifteen or
Speaker 2: something like that. Totally get the advice, because what if
Speaker 2: you then accepted it beck five years from now you
Speaker 2: don't have the cash anymore. In the back of your mind,
Speaker 2: you're thinking, man, maybe I should have negotiated that a
Speaker 2: bit better. We don't regret things because we dot all
Speaker 2: our eyes and we cross all our te's and you
Speaker 2: did the right thing at the time.
Speaker 4: That's actually fantastic advice. I didn't even know that was
Speaker 4: a thing because, like luckily touch Wood, I haven't had
Speaker 4: to really be no bit. At the end of the day,
Speaker 4: if they're a service provider, you get a quote, Yeah,
Speaker 4: call up, Hey, how much.
Speaker 2: Would it be to do this? Like same thing with
Speaker 2: financial advice, Like if you want financial advice, You don't
Speaker 2: have to jump boots all in and pay a financial advisor.
Speaker 2: What you can do is called me like, Hey, I'm
Speaker 2: looking at getting a financial plan. My name's Beck. I
Speaker 2: earn about this much and I've got a few goals
Speaker 2: that i'd like. What kind of realm would my advice
Speaker 2: be in? A financial advice is going to be able
Speaker 2: to say, oh, look, I can't give you a streak
Speaker 2: to number, but it'd be between A and B. Oh okay,
Speaker 2: no worries, thanks so much like ask questions about anything,
Speaker 2: like so many times irrespective of whether it's a payout
Speaker 2: for insurance, but like, how many times are we not
Speaker 2: picking up the phone and just asking because we're scared
Speaker 2: of how much it'll cost? Find out what it costs.
Speaker 4: Yes, and they if they can't find you because you
Speaker 4: just called them, they're not going to charge you anything yet.
Speaker 2: Ah, run call from a block exactly all right. So
Speaker 2: we did ask the community. We said what would you do?
Speaker 2: Sixteen percent of you said I'd take ten grand, twenty
Speaker 2: nine percent of you said I'd negotiate with the insurers myself,
Speaker 2: and fifty five percent of you said I'd get legal
Speaker 2: advice even if it costs me, s oh, I love
Speaker 2: that for us.
Speaker 4: Yeah.
Speaker 2: The next question, we said what would stress you out more?
Speaker 2: Forty percent of you said it would be dealing with negotiations,
Speaker 2: but sixty percent said wondering if I could have got more?
Speaker 2: Oh I know, yeah, Like imagine, I know you said
Speaker 2: the life adamans not your thing, but imagine getting the
Speaker 2: ten grand. You're stoked, but the week after you're like,
Speaker 2: could it had been?
Speaker 4: It's other short term mental stress or long term perpetually wondering.
Speaker 2: Don't want to perpetually wonder like and I mean I'm
Speaker 2: being pretty dramatic here, but of course the insurance company
Speaker 2: is going to want to get out of this situation
Speaker 2: for as little as possible. An insurance company's job is
Speaker 2: to mitigate risks. The reason we pay insurance is because
Speaker 2: we want to make sure that if something happens, it's covered.
Speaker 2: But the way an insurance company makes money is essentially
Speaker 2: betting that the amount of claims that they get in
Speaker 2: a year will not be as much as the amount
Speaker 2: of remuneration that they bring in each year, because like,
Speaker 2: if all of us paying hundred bucks a year in insurance,
Speaker 2: not all of us are claiming on insurance each year.
Speaker 2: That's why I say I want insurance to be the
Speaker 2: biggest waste of your time ever. Like I want you to,
Speaker 2: you know, do your budget at the end of the
Speaker 2: year and be like, far out, I've spent five hundred
Speaker 2: bucks on this premium and I got nothing out of
Speaker 2: good because you're safe, you're healthy, nothing happened to you.
Speaker 2: Money win. I want you to spend that money again
Speaker 2: next year. But the insurance company on the flip side's like, great,
Speaker 2: we have so many customers paying us one hundred bucks,
Speaker 2: but then we had to pay Beck fifty grand. That's
Speaker 2: okay because it all comes out in the wash and
Speaker 2: we're still a profitable business. That is how insurance works, right.
Speaker 2: So the idea that you could have more definitely exists
Speaker 2: because the insurance company wants to make the minimum payment
Speaker 2: to make this issue go away. But can you imagine
Speaker 2: the heartbreak if you didn't get advice and then a
Speaker 2: year from now, far out, colleague, same thing happens. You're
Speaker 2: in the lunchroom at work. You're like, what happened to
Speaker 2: your hand? They go, I was in a correct acent
Speaker 2: this happened needed so far out. That's the same thing
Speaker 2: that happened to me. They're like, oh, I'm so lucky
Speaker 2: though my dad's a lawyer, got paid out fifty grand. Yeah, sorry,
Speaker 2: well I just accepted ten What do you mean, like,
Speaker 2: get the advice to put you in the best possible position,
Speaker 2: even if it means settling for exactly what they've offered you. Yes,
Speaker 2: so that there are no regrets in the future. So true,
Speaker 2: peace of mind, exactly, priceless. We then obviously said to
Speaker 2: the community, what are your two cents? Someone said, broken
Speaker 2: bonds in a hand is definitely worth more than ten grand.
Speaker 2: Consider all the future ailments for example arthritis.
Speaker 4: True.
Speaker 2: See, I don't know these things. I'm not a health professional.
Speaker 2: That's why you shouldn't be asking me. That's why I
Speaker 2: told you go to the lawyer. Someone else said, no way,
Speaker 2: they're a money making business. They are always going to
Speaker 2: low ball you.
Speaker 4: That's very true. They wouldn't give you the top offer immediately.
Speaker 2: Why would they? Yeah, why would they? That's why you negotiate.
Speaker 2: Someone else said, don't accept I'm a lawyer one hundred percent.
Speaker 2: Calculating damages is actually quite complex. Oh, there's a lawyer,
Speaker 2: there's a lawyer coming, there's your advice. There's your advice.
Speaker 2: Someone else said, absolutely, get legal advice. I did. I
Speaker 2: got fifty thousand dollars more than the original offer. No way,
Speaker 2: I'd spend five grand on legal advice to get an
Speaker 2: additional fIF Yeah, but you don't know. We don't know, right,
Speaker 2: I know. Someone else said, I got twelve grand for whiplash.
Speaker 2: The original offer was four thousand dollars. I mentioned a
Speaker 2: lawyer's name, and weirdly they update immediately.
Speaker 4: Oh actually I forgot to mention it's extra eight thousand
Speaker 4: dollars fee.
Speaker 2: Oh yeah, do you still want to talk to your lawyer? Probably?
Speaker 2: Someone else said I was told no need to get
Speaker 2: legal advice. I did it anyway, five hundred thousand dollars
Speaker 2: payout as always get advice. Oh my god, I don't
Speaker 2: know what happened to you. Money diarist, not money dist
Speaker 2: but anonymous human being from my she's on the money community.
Speaker 4: But I hope you're okay.
Speaker 2: I hope you're okay, because five hundred thousand dollars is
Speaker 2: a payout. Tells me that something happened that was not great. Yes,
Speaker 2: I hope you're happiness and healthy. Someone else said, go
Speaker 2: to your union and get assistance. With this. They do
Speaker 2: this for work every day union. Yeah, that's kind of
Speaker 2: cool because obviously they're there to advocate for employees. You
Speaker 2: always see the EAP posters on the back of the
Speaker 2: toilet door here at work. Yeah, and they always like
Speaker 2: call us for advice on anything.
Speaker 4: True, I'm gonna call you, thank you, maybe I will.
Speaker 2: And someone else last one I'll share, said, see if
Speaker 2: you can talk to your local community legal center or
Speaker 2: law access, which I think that's really important as well.
Speaker 4: Good call. I was going to suggest legal aid, but
Speaker 4: I don't know if they're figlate.
Speaker 2: Yep, one hundred percent. What's the worst that can happen?
Speaker 2: You reach out and they say, sorry, we can't help
Speaker 2: you in that department. Thanks glad. I checked. Totally would
Speaker 2: have been free. Now I'm going to pay for some advice.
Speaker 4: Yeah.
Speaker 2: Now I want to recap though, Beck, So, now that
Speaker 2: you've heard all of this, yes, what would you do
Speaker 2: honestly saying you said, I'm gonna just take ten grand?
Speaker 4: Yeah? No, Now that I know this, and now that
Speaker 4: I've heard from an actual lawyer and also from people
Speaker 4: saying that they're.
Speaker 2: From the community, being like we want more for you.
Speaker 4: Than now, absolutely I would I'd probably call all the
Speaker 4: insurance by myself first and see what I can do,
Speaker 4: and then I would get legal advice and just name drop,
Speaker 4: name drop.
Speaker 2: Should I get another lawyer and they're always going to say,
Speaker 2: you don't need legal advice. You can just take this
Speaker 2: cash pay out. Yeah, just take this.
Speaker 4: Doesn't this look nice?
Speaker 2: But imagine Yeah, imagine being in the lunch room and
Speaker 2: hearing someone else got fifty exactly you exactly.
Speaker 4: It would just not feel very good. I mean, like
Speaker 4: ten k T care.
Speaker 2: We advocate for ourselves though, Yes, because even if at
Speaker 2: the end of the day you advocate for yourself and
Speaker 2: the situation doesn't change, you've gained a whole heap of confidence.
Speaker 2: You've learned a little bit more about negotiating and knowing
Speaker 2: your worth. Like, to me, that is so important.
Speaker 4: Yeah, I completely agree. I think get some advice, whether
Speaker 4: it's legal aid or you have paid for legal advice
Speaker 4: or whatever that looks like, just do it.
Speaker 2: That is Unfortunately, beg all we have time for today.
Speaker 2: We'll get miss Jess Gricchi back on the show next week.
Speaker 2: Currently she's recovering, and if you haven't before, leave our
Speaker 2: podcast a review. We have started reading them out on
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Speaker 4: No pressure, that's us, that's us.
Speaker 2: All right, have a good weekend, guys. Bye bye, guys.
Speaker 2: The advice shared on She's on the Money is general
Speaker 2: in nature and does not consider your individual circumstances. She's
Speaker 2: on the Money exists purely for educational purposes and should
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