1 00:00:00,600 --> 00:00:04,520 Speaker 1: Hello, my name is Sanatasha Nabananga Bamblet. I'm a proud 2 00:00:04,800 --> 00:00:08,240 Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And 3 00:00:08,320 --> 00:00:10,719 Speaker 1: before we get started on She's on the Money podcast, 4 00:00:11,000 --> 00:00:13,880 Speaker 1: I would like to acknowledge the traditional custodians of the 5 00:00:13,960 --> 00:00:17,599 Speaker 1: land of which this podcast is recorded on a wondery country, 6 00:00:18,079 --> 00:00:22,200 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,239 --> 00:00:26,880 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,000 --> 00:00:30,040 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,160 --> 00:00:33,040 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,240 --> 00:00:36,040 Speaker 2: Let's get into it. She's on the Money. 11 00:00:36,240 --> 00:00:53,519 Speaker 3: She's on the Money. 12 00:00:57,160 --> 00:01:00,480 Speaker 4: Hello, and welcome to She's on the Money podcast that 13 00:01:00,560 --> 00:01:03,240 Speaker 4: lets you be pervy about other people's money habits for 14 00:01:03,360 --> 00:01:07,520 Speaker 4: educational purposes of course, this is my favorite episode of 15 00:01:07,520 --> 00:01:10,160 Speaker 4: the week, Welcome back to Money Diarries, where we get 16 00:01:10,160 --> 00:01:12,280 Speaker 4: to talk with one of our incredible She's on the 17 00:01:12,280 --> 00:01:16,120 Speaker 4: Money community members all about their journey. Let's jump straight 18 00:01:16,160 --> 00:01:18,360 Speaker 4: into it, because this week we got a message and 19 00:01:18,400 --> 00:01:22,199 Speaker 4: it sounded exactly like this. Hi, She's on the Money. 20 00:01:22,400 --> 00:01:26,200 Speaker 4: Did you know that sentlink doesn't classify twins as multiples. 21 00:01:26,640 --> 00:01:30,240 Speaker 4: That means parents of twins like me don't qualify for 22 00:01:30,319 --> 00:01:33,720 Speaker 4: the multiple birth allowance, even though we have to pay 23 00:01:33,920 --> 00:01:37,600 Speaker 4: for literally two of everything. When our twins were born 24 00:01:37,680 --> 00:01:40,399 Speaker 4: in twenty twenty, right in the middle of COVID, we 25 00:01:40,400 --> 00:01:45,200 Speaker 4: were juggling double the costs formula, clothes, nappies, while also 26 00:01:45,280 --> 00:01:48,240 Speaker 4: building our home and worrying about job security in the 27 00:01:48,240 --> 00:01:51,360 Speaker 4: middle of a pandemic. Fast forward to now, and we've 28 00:01:51,400 --> 00:01:54,840 Speaker 4: paid off our consumer debt, started investing for our future 29 00:01:54,960 --> 00:01:57,640 Speaker 4: and our boys, who are now four years old, and 30 00:01:57,800 --> 00:02:01,600 Speaker 4: built a budget we actually stick to. Automating our bills 31 00:02:01,640 --> 00:02:04,720 Speaker 4: has been a game changer too. Thanks to She's on 32 00:02:04,760 --> 00:02:08,519 Speaker 4: the Money, I've gained financial literacy, confidence, and the empowerment 33 00:02:08,600 --> 00:02:12,800 Speaker 4: to invest in my future. Money Diarist, welcome to the show. 34 00:02:12,880 --> 00:02:14,760 Speaker 2: Thank you for having me. I'm happy to be here. 35 00:02:14,880 --> 00:02:17,320 Speaker 4: I am so excited. Low key. This is going to 36 00:02:17,360 --> 00:02:23,240 Speaker 4: sound crazy to anyone but probably you. I would love twins, 37 00:02:23,880 --> 00:02:27,840 Speaker 4: Like I just think that would be so fun. Like 38 00:02:28,000 --> 00:02:30,240 Speaker 4: I know that that's probably a handful, and I'm sure 39 00:02:30,240 --> 00:02:32,720 Speaker 4: you're going to tell me about this, but like, oh, 40 00:02:32,880 --> 00:02:34,840 Speaker 4: if there was a way to be like, oh, if 41 00:02:34,880 --> 00:02:37,720 Speaker 4: you do this, so I have this supplement, Victoria and 42 00:02:37,760 --> 00:02:40,960 Speaker 4: you can have twins. I'd do it. I'd absolutely do it. 43 00:02:41,240 --> 00:02:42,800 Speaker 4: And you're like, Victoria's crazy. 44 00:02:43,280 --> 00:02:45,639 Speaker 2: It's definitely double the love and double with cuddle, that's 45 00:02:45,639 --> 00:02:46,040 Speaker 2: for sure. 46 00:02:46,160 --> 00:02:48,440 Speaker 4: See, I just exactly. I just think it would be 47 00:02:48,520 --> 00:02:52,399 Speaker 4: so cool. Anyway, let's do a money diary. As always, 48 00:02:52,440 --> 00:02:55,360 Speaker 4: we always start asking the question, what great would you 49 00:02:55,520 --> 00:02:57,280 Speaker 4: give your money habits if I asked you to give 50 00:02:57,320 --> 00:02:58,920 Speaker 4: them a grade from A through to F. 51 00:02:59,280 --> 00:03:02,000 Speaker 2: I reckon, I give myself probably a B minus. 52 00:03:02,200 --> 00:03:04,720 Speaker 4: I like this. I like this. Tell me a little 53 00:03:04,720 --> 00:03:07,080 Speaker 4: bit more. Now about your money story. 54 00:03:07,200 --> 00:03:10,880 Speaker 2: Okay, so, growing up, we certainly never went without, but 55 00:03:10,960 --> 00:03:13,840 Speaker 2: money wasn't something that was openly discussed in our family. 56 00:03:14,320 --> 00:03:17,480 Speaker 2: Our parents always bought my brother and I good quality footwear, 57 00:03:17,520 --> 00:03:20,080 Speaker 2: good quality clothing, but we were taught the value of 58 00:03:20,120 --> 00:03:22,920 Speaker 2: money and how to sort of make things last. We 59 00:03:22,919 --> 00:03:26,280 Speaker 2: were never really threatened with being bought cheap and nasty things, 60 00:03:26,320 --> 00:03:28,440 Speaker 2: but we were, I guess educated to look after our 61 00:03:28,440 --> 00:03:31,760 Speaker 2: good school shares, look after our runners, look after our belongings, 62 00:03:31,919 --> 00:03:33,760 Speaker 2: because things don't come for free. 63 00:03:33,960 --> 00:03:37,400 Speaker 4: Yeah, that's absolutely fair. And how is that translated to 64 00:03:37,480 --> 00:03:38,880 Speaker 4: your money story as an adult? 65 00:03:38,920 --> 00:03:42,000 Speaker 2: I think it's had a pretty good translation. I certainly 66 00:03:42,080 --> 00:03:45,560 Speaker 2: never take anything for granted now, especially now that we're 67 00:03:45,600 --> 00:03:47,160 Speaker 2: sort of on the other side of COVID and just 68 00:03:47,200 --> 00:03:49,920 Speaker 2: how much anxiety there was in those couple of years. 69 00:03:49,960 --> 00:03:52,600 Speaker 2: But I think nowadays my husband and I have definitely 70 00:03:52,600 --> 00:03:55,600 Speaker 2: got a good concept of the value of money, not 71 00:03:55,640 --> 00:03:57,680 Speaker 2: just because of how much things cost, but also making 72 00:03:57,720 --> 00:04:00,160 Speaker 2: things last and not sort of succumbing to I guess 73 00:04:00,400 --> 00:04:02,600 Speaker 2: trends and fast fashion and things like that. 74 00:04:02,600 --> 00:04:04,480 Speaker 4: That is so fair, all right, I want to learn 75 00:04:04,560 --> 00:04:07,240 Speaker 4: a little bit more. We were talking about your life 76 00:04:07,240 --> 00:04:09,400 Speaker 4: and we're still, I guess talking about your money story. 77 00:04:09,680 --> 00:04:12,160 Speaker 4: You mentioned at the very beginning of your email that 78 00:04:12,240 --> 00:04:14,800 Speaker 4: you sent us, did you know that send link doesn't 79 00:04:14,800 --> 00:04:19,640 Speaker 4: classify twins as multiples? What is a multiple to sent 80 00:04:19,720 --> 00:04:23,160 Speaker 4: a link then? Because I would assume that multiple means 81 00:04:23,200 --> 00:04:27,120 Speaker 4: multiple birth, and that would be twins or triplets. So 82 00:04:27,640 --> 00:04:29,800 Speaker 4: can you please educate me? Because when I read that, 83 00:04:29,920 --> 00:04:32,960 Speaker 4: I was like, turns out I am not very intelligent. 84 00:04:33,680 --> 00:04:36,039 Speaker 2: Well, I guess yeah, as the name suggests, a multiple 85 00:04:36,200 --> 00:04:38,880 Speaker 2: birth impliers birth in more than one child or adopting 86 00:04:38,880 --> 00:04:41,520 Speaker 2: more than one child at a time. We didn't really 87 00:04:41,520 --> 00:04:43,800 Speaker 2: know what to expect, obviously, finding out that we were 88 00:04:43,800 --> 00:04:47,320 Speaker 2: having twins right at the beginning of COVID. But yeah, 89 00:04:47,360 --> 00:04:49,400 Speaker 2: we thought we might have been able to get I 90 00:04:49,400 --> 00:04:50,760 Speaker 2: guess a little additional support. 91 00:04:50,960 --> 00:04:51,960 Speaker 4: I would have assumed. 92 00:04:52,480 --> 00:04:56,960 Speaker 2: Yeah, I mean, so did I. But according to the websites, 93 00:04:57,880 --> 00:05:01,160 Speaker 2: even though when I had to fill out the application 94 00:05:01,320 --> 00:05:03,360 Speaker 2: for my twins birth certific because I had the tick 95 00:05:03,480 --> 00:05:05,480 Speaker 2: that they were part of a multiple birth, but that 96 00:05:05,520 --> 00:05:09,400 Speaker 2: doesn't really entitle us as twin parents to much more 97 00:05:09,400 --> 00:05:09,720 Speaker 2: than that. 98 00:05:09,920 --> 00:05:13,560 Speaker 4: Which literally makes no sense because it's literally double of everything. 99 00:05:13,600 --> 00:05:17,039 Speaker 4: It's not like, oh, well, actually you are having two babies, 100 00:05:17,080 --> 00:05:19,600 Speaker 4: but just buy one car seat because they can share, 101 00:05:19,760 --> 00:05:24,400 Speaker 4: like they can't all of the big expensive things you 102 00:05:24,480 --> 00:05:27,240 Speaker 4: need too of like a prem. Great, now we need 103 00:05:27,240 --> 00:05:31,520 Speaker 4: the double prem which is double expensive. Like what so 104 00:05:31,880 --> 00:05:34,640 Speaker 4: what does centalink think a multiple birth is? 105 00:05:35,040 --> 00:05:36,320 Speaker 2: Triplet's cause are higher? 106 00:05:36,560 --> 00:05:39,520 Speaker 4: Oh okay, so because you only had two babies, that's 107 00:05:39,560 --> 00:05:40,600 Speaker 4: not impressive enough. 108 00:05:40,760 --> 00:05:44,560 Speaker 2: No, I guess growing and giving birth the two babies simultaneously, 109 00:05:45,000 --> 00:05:45,840 Speaker 2: isn't it good enough? 110 00:05:46,040 --> 00:05:49,159 Speaker 4: Oh my gosh. I want to ask about twins though. 111 00:05:49,360 --> 00:05:51,640 Speaker 4: Was that a shock? Is that something that ran in 112 00:05:51,680 --> 00:05:52,279 Speaker 4: your family? 113 00:05:52,560 --> 00:05:55,240 Speaker 2: We do have twins in our family, A bit like you. 114 00:05:55,320 --> 00:05:57,440 Speaker 2: I always thought it would be cool to have twins 115 00:05:57,760 --> 00:06:00,799 Speaker 2: until I actually fell pregnant with twins, and it certainly 116 00:06:00,920 --> 00:06:03,440 Speaker 2: was a shock. We found out very early on that 117 00:06:03,480 --> 00:06:05,960 Speaker 2: we were having twins, so we had plenty of time 118 00:06:06,080 --> 00:06:08,640 Speaker 2: to prepare for that. I mean, I was very grateful 119 00:06:08,760 --> 00:06:11,039 Speaker 2: to have fallen pregnant, but I also cried all the 120 00:06:11,040 --> 00:06:13,440 Speaker 2: way home from the first ultrasound appointment. 121 00:06:13,480 --> 00:06:14,599 Speaker 4: It would have been terrifying. 122 00:06:14,839 --> 00:06:17,120 Speaker 2: Yeah. Yeah, my parents didn't believe me that we were 123 00:06:17,120 --> 00:06:18,960 Speaker 2: having twins, and I told them I thought I was joking. 124 00:06:19,240 --> 00:06:22,400 Speaker 2: So it took several weeks for it to sort of 125 00:06:22,400 --> 00:06:25,240 Speaker 2: fully sink in and then accept the fact. And at 126 00:06:25,279 --> 00:06:27,640 Speaker 2: the time, we were living in a little two bedroom unit. 127 00:06:27,720 --> 00:06:29,880 Speaker 4: Oh no, and you were probably like, oh, if we 128 00:06:29,960 --> 00:06:32,440 Speaker 4: have a baby, we've got a two bedroom unit. We 129 00:06:32,480 --> 00:06:34,400 Speaker 4: can pop them in there to be so easy, and 130 00:06:34,440 --> 00:06:36,080 Speaker 4: then all of a sudden, your life would have been 131 00:06:36,120 --> 00:06:36,560 Speaker 4: in a spin. 132 00:06:36,720 --> 00:06:38,440 Speaker 2: That was our plan to stay in our little two 133 00:06:38,440 --> 00:06:41,280 Speaker 2: bedroom unit without one baby for a little while and 134 00:06:41,320 --> 00:06:44,039 Speaker 2: then upsize when the time was ready. And then, yeah, 135 00:06:44,200 --> 00:06:47,120 Speaker 2: two babies was a big shock. And I think within gosh, 136 00:06:47,120 --> 00:06:48,880 Speaker 2: two weeks of finding out, we were off to the 137 00:06:48,920 --> 00:06:51,720 Speaker 2: real estate agent to get an appraisals to sell our unit. 138 00:06:51,760 --> 00:06:54,680 Speaker 2: But then trying to sell a unit in early twenty twenty, 139 00:06:54,720 --> 00:06:57,040 Speaker 2: as I'm sure you can appreciate, it wasn't very easy 140 00:06:57,080 --> 00:06:57,240 Speaker 2: to do. 141 00:06:58,080 --> 00:06:59,520 Speaker 4: No, so what did you do? 142 00:06:59,800 --> 00:07:01,800 Speaker 2: Saw it? Thankfully? It took months to sell? 143 00:07:02,400 --> 00:07:03,320 Speaker 4: How stressful. 144 00:07:03,560 --> 00:07:05,599 Speaker 2: Yeah. So I got to the point when I was 145 00:07:05,839 --> 00:07:09,440 Speaker 2: thirty five weeks pregnant. Oh no, we had. 146 00:07:09,560 --> 00:07:13,160 Speaker 4: Just on thirty five weeks with twins. That's impressive, I think. 147 00:07:13,200 --> 00:07:14,800 Speaker 2: So I got to thirty six weeks in the end. 148 00:07:15,320 --> 00:07:16,320 Speaker 4: What do you mean you think? 149 00:07:16,400 --> 00:07:16,520 Speaker 2: So? 150 00:07:16,840 --> 00:07:20,480 Speaker 4: I know, so thirty six weeks with twins, you are golden. 151 00:07:20,800 --> 00:07:23,239 Speaker 2: I was not very comfortable, I will say that much. 152 00:07:23,480 --> 00:07:26,840 Speaker 2: I was horizontal for the last several weeks of the pregnancy. 153 00:07:26,880 --> 00:07:29,800 Speaker 2: Oh no. Yeah, So we got to thirty five weeks 154 00:07:29,800 --> 00:07:32,160 Speaker 2: and we just accepted an offer and we were ready 155 00:07:32,160 --> 00:07:34,400 Speaker 2: to exchange contracts, and then the buyer pulled out. 156 00:07:34,560 --> 00:07:36,360 Speaker 4: Excuse me, that is so rude. 157 00:07:36,440 --> 00:07:38,920 Speaker 2: I know, a heavily pregnant woman doesn't want to buy 158 00:07:39,040 --> 00:07:40,880 Speaker 2: to pull out of the sale of a home, so 159 00:07:41,080 --> 00:07:43,320 Speaker 2: we're very upset about that. But then our agent was 160 00:07:43,360 --> 00:07:45,160 Speaker 2: able to turn around and find another buyer on the 161 00:07:45,200 --> 00:07:48,120 Speaker 2: same day who purchased the house site unseen. 162 00:07:48,600 --> 00:07:51,360 Speaker 4: What Yeah, the stars really aligned there. 163 00:07:51,440 --> 00:07:52,960 Speaker 2: Yeah, the best outcome for us. 164 00:07:53,200 --> 00:07:55,480 Speaker 4: So you're saying the week before you had a baby, 165 00:07:55,520 --> 00:07:56,280 Speaker 4: you sold your. 166 00:07:56,120 --> 00:07:57,200 Speaker 2: House two babies. 167 00:07:57,280 --> 00:08:01,160 Speaker 4: Yes, yeah, yep, sorry, But the week before you gave birth, 168 00:08:01,280 --> 00:08:03,560 Speaker 4: you were like, oh, I'm just going to sell the house. 169 00:08:03,800 --> 00:08:06,600 Speaker 4: That's all good. No, I thrive under pressure. 170 00:08:06,800 --> 00:08:08,800 Speaker 2: Yeah. I was on the phone to the solicitor I 171 00:08:08,800 --> 00:08:10,800 Speaker 2: think a couple of days after the birth, in the hospital, 172 00:08:10,960 --> 00:08:13,720 Speaker 2: just confirming everything was good to go. So there's no 173 00:08:13,800 --> 00:08:14,520 Speaker 2: rest for the wicked. 174 00:08:14,720 --> 00:08:19,680 Speaker 4: Oh my gosh, no way. I kind of adore this. Like, 175 00:08:20,200 --> 00:08:24,800 Speaker 4: tell me a bit more about having twins financially. So 176 00:08:25,040 --> 00:08:28,280 Speaker 4: obviously when it starts or when you find out you're pregnant, 177 00:08:28,920 --> 00:08:33,080 Speaker 4: is there any additional associated costs with having twins apart 178 00:08:33,120 --> 00:08:35,840 Speaker 4: from all of the expected things like an additional car 179 00:08:35,880 --> 00:08:38,440 Speaker 4: seat and two bacinets and all of that stuff, Like, 180 00:08:39,400 --> 00:08:42,920 Speaker 4: is your pregnancy different financially. 181 00:08:42,600 --> 00:08:45,040 Speaker 2: Yes, So, as you said, we had to buy two 182 00:08:45,080 --> 00:08:47,880 Speaker 2: car seats at a double prem two bacinets, etcetera, etcetera. 183 00:08:48,320 --> 00:08:52,080 Speaker 2: But because twins and multiples in general are considered a 184 00:08:52,120 --> 00:08:55,200 Speaker 2: high risk pregnancy, there's a lot more appointments you need 185 00:08:55,240 --> 00:08:58,880 Speaker 2: to have anti natally. So I was having appointments at 186 00:08:58,880 --> 00:09:02,520 Speaker 2: the hospital with obstetrician every fortnight and then obviously that 187 00:09:02,640 --> 00:09:04,640 Speaker 2: was covered by Medicare because that was through the hospital. 188 00:09:04,640 --> 00:09:07,240 Speaker 2: But I also had to have four weekly ultrasounds. And 189 00:09:07,320 --> 00:09:10,559 Speaker 2: because they're not just ultrasounding one baby, they're ultrasounding two babies. 190 00:09:10,760 --> 00:09:12,640 Speaker 2: So I was charged for two babies. What. 191 00:09:13,200 --> 00:09:16,960 Speaker 4: Yeah, it's double the cost for an ultrasound for multiples. 192 00:09:17,040 --> 00:09:18,520 Speaker 2: That was my experience. I don't know what that's the 193 00:09:18,559 --> 00:09:19,560 Speaker 2: experience for everybody. 194 00:09:19,840 --> 00:09:23,240 Speaker 4: I'm just they really said we'll take them for a ride, 195 00:09:24,000 --> 00:09:25,920 Speaker 4: like really said, you know what, We're going to kick 196 00:09:25,960 --> 00:09:26,720 Speaker 4: them while they're down. 197 00:09:26,880 --> 00:09:28,920 Speaker 2: Yeah. And then when I reached thirty weeks, it was 198 00:09:29,040 --> 00:09:33,360 Speaker 2: fortnightly ultrasounds after that because obviously the high risk of complications. 199 00:09:33,400 --> 00:09:36,199 Speaker 2: So I eventually reached I think it's called the Medicare safety. 200 00:09:35,960 --> 00:09:37,280 Speaker 4: In it, which is an achievement. 201 00:09:37,679 --> 00:09:39,880 Speaker 2: Yeah, yeah, I didn't have to pay any more for 202 00:09:39,920 --> 00:09:41,280 Speaker 2: the ultrasounds, which was good. 203 00:09:41,480 --> 00:09:44,400 Speaker 4: Oh my gosh, that is so stressful. So am I 204 00:09:44,480 --> 00:09:47,280 Speaker 4: assuming that you went through the private system, then. 205 00:09:47,280 --> 00:09:49,200 Speaker 2: No, I went through the public health system. 206 00:09:49,000 --> 00:09:51,560 Speaker 4: Right, and it was still out of pocket for ultrasounds 207 00:09:51,600 --> 00:09:52,319 Speaker 4: and stuff like that. 208 00:09:52,440 --> 00:09:55,000 Speaker 2: My ultrasounds were they weren't done at the hospital, they 209 00:09:55,040 --> 00:09:55,760 Speaker 2: were done privately. 210 00:09:55,880 --> 00:09:58,280 Speaker 4: Yeah, okay, And is that because it gave you more 211 00:09:58,280 --> 00:10:00,840 Speaker 4: peace of mind or is that just the way it 212 00:10:00,880 --> 00:10:03,600 Speaker 4: goes with twins, because I literally don't know how that 213 00:10:03,600 --> 00:10:04,160 Speaker 4: would work. 214 00:10:04,320 --> 00:10:07,880 Speaker 2: Yeah, I think I'm not entirely sure what the process was, 215 00:10:07,960 --> 00:10:10,560 Speaker 2: but I know my GP was pretty adamant that I 216 00:10:10,600 --> 00:10:13,400 Speaker 2: have my ultrasounds at this particular place because it was 217 00:10:13,400 --> 00:10:17,400 Speaker 2: a women's health center with gynecologists and women's health sonographers there, 218 00:10:17,400 --> 00:10:19,000 Speaker 2: and I was quite happy for that. Like, we were 219 00:10:19,400 --> 00:10:21,760 Speaker 2: very luckily in a good financial position to be able 220 00:10:21,800 --> 00:10:24,200 Speaker 2: to fund the ultrasounds ourselves. But they did add up 221 00:10:24,240 --> 00:10:26,000 Speaker 2: at the same time one hundred percent. 222 00:10:26,080 --> 00:10:29,520 Speaker 4: So what are we paying on average for a twin ultrasound? 223 00:10:29,920 --> 00:10:31,720 Speaker 4: From memory? I mean it was four years ago. 224 00:10:31,720 --> 00:10:34,160 Speaker 2: But yeah, from memory, I mean I was only paying 225 00:10:34,160 --> 00:10:36,959 Speaker 2: the gap, but the gap I think was still maybe 226 00:10:36,960 --> 00:10:38,720 Speaker 2: one hundred dollars each ultrasound. 227 00:10:38,960 --> 00:10:41,000 Speaker 4: Oh my gosh, I feel like it adds up so 228 00:10:41,160 --> 00:10:46,560 Speaker 4: quickly and now therefore, which is so exciting. Is this 229 00:10:47,440 --> 00:10:52,240 Speaker 4: still super super expensive or are there ways to cut 230 00:10:52,320 --> 00:10:55,480 Speaker 4: costs with twins? Like, I've got no idea, I've got 231 00:10:55,480 --> 00:10:55,800 Speaker 4: nothing to. 232 00:10:55,800 --> 00:10:57,760 Speaker 2: Compare it to, so I don't know what a singleton 233 00:10:57,800 --> 00:11:01,160 Speaker 2: would cost. So we're more us out of nappies now, 234 00:11:01,200 --> 00:11:03,680 Speaker 2: which is great, but I've got boys and they eat 235 00:11:03,840 --> 00:11:08,439 Speaker 2: so much food, so our grocery bill has certainly increased exponentially. 236 00:11:08,760 --> 00:11:12,439 Speaker 2: We're obviously having to navigate childcare as well, which we're 237 00:11:12,520 --> 00:11:14,680 Speaker 2: very lucky to receive the childcare subsidy, so that and 238 00:11:14,720 --> 00:11:18,199 Speaker 2: the second child subsidy because we've got two children in childcare, 239 00:11:18,200 --> 00:11:20,960 Speaker 2: which is wonderful, but that obviously is a cost. And 240 00:11:21,000 --> 00:11:24,640 Speaker 2: then birthdays and Christmas, you're buying two lots of presents, 241 00:11:24,880 --> 00:11:27,480 Speaker 2: so we don't try and spoil them rotten, but we 242 00:11:27,559 --> 00:11:29,800 Speaker 2: do try, and I mean, they're so young. We are 243 00:11:29,800 --> 00:11:31,760 Speaker 2: trying to educate them on the value of things, like 244 00:11:31,800 --> 00:11:33,559 Speaker 2: they've got bikes for their birthday this year, and we're 245 00:11:33,559 --> 00:11:35,320 Speaker 2: trying to teach them that this was a big presence 246 00:11:35,400 --> 00:11:38,720 Speaker 2: and that Santam might bring something smaller presents this year. 247 00:11:38,880 --> 00:11:41,720 Speaker 4: So yeah, that's fair, that is very fair. I love 248 00:11:41,800 --> 00:11:45,200 Speaker 4: that I can definitely resonate with boys eating a lot, 249 00:11:45,320 --> 00:11:47,160 Speaker 4: Like I only have an eight month old, but he's 250 00:11:47,200 --> 00:11:51,400 Speaker 4: already thirteen kilos and I genuinely look novel holding him. 251 00:11:51,520 --> 00:11:53,440 Speaker 4: People are like, oh is he walking in? And I'm like, 252 00:11:53,480 --> 00:11:54,720 Speaker 4: baby can't even crawl. 253 00:11:54,880 --> 00:11:57,959 Speaker 2: Yeah, he will eat a lot of food. 254 00:11:58,280 --> 00:12:00,360 Speaker 4: Yeah, please send help. How did my bad maybe just 255 00:12:00,400 --> 00:12:02,559 Speaker 4: put away a whole risotto? Like, I don't know? 256 00:12:03,520 --> 00:12:03,839 Speaker 2: All right? 257 00:12:03,880 --> 00:12:06,400 Speaker 4: I want to ask some more money questions. Tell me 258 00:12:06,520 --> 00:12:08,560 Speaker 4: what do you currently do for work? How much money 259 00:12:08,600 --> 00:12:09,280 Speaker 4: do you earn? 260 00:12:09,520 --> 00:12:12,360 Speaker 2: I am a physiotherapist and I earn about one hundred 261 00:12:12,400 --> 00:12:14,839 Speaker 2: and fifteen thousand dollars a year, which includes super. 262 00:12:14,720 --> 00:12:17,000 Speaker 4: And can I be really pervy? What does your partner? 263 00:12:17,280 --> 00:12:19,439 Speaker 2: He earns about ninety thousand dollars a year? 264 00:12:19,679 --> 00:12:23,200 Speaker 4: Very cool? And tell me what are your current big 265 00:12:23,280 --> 00:12:25,560 Speaker 4: money goals? What are you guys working towards. 266 00:12:25,760 --> 00:12:27,839 Speaker 2: We're trying to pay down a mortgage like a lot 267 00:12:27,840 --> 00:12:30,040 Speaker 2: of people are, and we're also hoping to save up 268 00:12:30,080 --> 00:12:33,240 Speaker 2: for our first overseas family holiday in the next year 269 00:12:33,320 --> 00:12:33,880 Speaker 2: or the year after. 270 00:12:34,120 --> 00:12:36,440 Speaker 4: That's exciting. Where are you planning on going? What does 271 00:12:36,480 --> 00:12:37,600 Speaker 4: that budget look like? 272 00:12:38,000 --> 00:12:40,240 Speaker 2: I haven't got that far yet. We're looking at Fiji. 273 00:12:40,600 --> 00:12:44,120 Speaker 2: We've been considering New Zealand, but our boys just love 274 00:12:44,280 --> 00:12:46,280 Speaker 2: the beach and I like to sitting by swimming pool, 275 00:12:46,320 --> 00:12:46,839 Speaker 2: and so do they. 276 00:12:46,920 --> 00:12:49,280 Speaker 4: I have seen lots of people online going to Fiji 277 00:12:49,320 --> 00:12:51,800 Speaker 4: and I feel like that looks super kid friendly as well. 278 00:12:52,120 --> 00:12:54,440 Speaker 2: Yes, we just took them on our little holiday to 279 00:12:54,440 --> 00:12:57,640 Speaker 2: the Gold Coast recently stated a lovely kid friendly resort 280 00:12:57,640 --> 00:13:00,160 Speaker 2: which they just loved. So we're hoping to take it's 281 00:13:00,160 --> 00:13:02,960 Speaker 2: a bit of a bigger leap and fly and I 282 00:13:02,960 --> 00:13:04,600 Speaker 2: guess travel internationally as well. 283 00:13:04,679 --> 00:13:08,440 Speaker 4: That's very exciting. Another cost though, because they fly free 284 00:13:08,600 --> 00:13:11,959 Speaker 4: under two, but now you're paying two seats for two 285 00:13:12,080 --> 00:13:12,800 Speaker 4: four year olds. 286 00:13:12,880 --> 00:13:14,920 Speaker 2: Yeah. Plus you've got to get passports as well, so 287 00:13:15,080 --> 00:13:16,640 Speaker 2: that's another cost that we're factor in. 288 00:13:16,679 --> 00:13:22,080 Speaker 4: Oh my gosh, and they're so expensive now, passports are exorbitant. Yeah, 289 00:13:22,120 --> 00:13:24,080 Speaker 4: all right, let's go to a really quick break on 290 00:13:24,080 --> 00:13:26,040 Speaker 4: the flip side. I want to ask about you said 291 00:13:26,040 --> 00:13:28,360 Speaker 4: that you were investing. We talked about your mortgage. I 292 00:13:28,360 --> 00:13:29,600 Speaker 4: want to have a chat about that, and I want 293 00:13:29,640 --> 00:13:31,880 Speaker 4: to know about your good and bad money habits, so 294 00:13:31,960 --> 00:13:39,320 Speaker 4: guys don't go anywhere, all right, money direst We are back, 295 00:13:39,360 --> 00:13:42,319 Speaker 4: and I need to know you said that I loved 296 00:13:42,400 --> 00:13:44,040 Speaker 4: this part, so I'm going to read it out again. 297 00:13:44,280 --> 00:13:47,360 Speaker 4: You said, Thanks to She's Other Money, I've gained financial literacy, 298 00:13:47,760 --> 00:13:51,680 Speaker 4: confidence and the empowerment to invest in my future. Tell 299 00:13:51,679 --> 00:13:53,240 Speaker 4: me about that investing journey. 300 00:13:53,360 --> 00:13:56,920 Speaker 2: Well, we've recently, I guess, took the plunge and still 301 00:13:56,960 --> 00:13:59,520 Speaker 2: dealing with a little bit of analysis paralysis in terms 302 00:13:59,520 --> 00:14:02,160 Speaker 2: of investment. I've obviously been a long term listener of 303 00:14:02,160 --> 00:14:03,920 Speaker 2: the podcast and I've read the investing. 304 00:14:03,559 --> 00:14:05,480 Speaker 4: Book Thank you. That's very fun. 305 00:14:06,120 --> 00:14:08,400 Speaker 2: In the last couple of probably the last twelve months, 306 00:14:08,440 --> 00:14:11,800 Speaker 2: we've started investing in ETFs through Vanguard. 307 00:14:11,960 --> 00:14:12,560 Speaker 4: How good. 308 00:14:13,040 --> 00:14:15,280 Speaker 2: Yeah, So, I know it's baby steps. You got to 309 00:14:15,280 --> 00:14:17,720 Speaker 2: crawl before you walk, but we're happy that we finally 310 00:14:17,760 --> 00:14:19,920 Speaker 2: got our foot in the door. And I guess I'm 311 00:14:19,960 --> 00:14:22,880 Speaker 2: just trying to live by the saying it's not about 312 00:14:22,880 --> 00:14:24,640 Speaker 2: time in the market, it's just time in the market. 313 00:14:24,800 --> 00:14:26,240 Speaker 4: I love it, and I love that you're like, oh, 314 00:14:26,280 --> 00:14:29,720 Speaker 4: they're baby steps. But then also I was a financial 315 00:14:29,800 --> 00:14:34,200 Speaker 4: advisor and like most of my portfolio is ETFs, so like, 316 00:14:34,320 --> 00:14:37,800 Speaker 4: it's actually the same steps that someone established would be making. 317 00:14:37,800 --> 00:14:40,240 Speaker 4: But you're like, oh, this maybe I need something bigger 318 00:14:40,240 --> 00:14:44,520 Speaker 4: and better. Then you realize you're actually fully doing it properly. Yeah, 319 00:14:44,560 --> 00:14:46,280 Speaker 4: I love that so much. All right, talk to me 320 00:14:46,360 --> 00:14:49,240 Speaker 4: about this mortgage, When did you get it, what did 321 00:14:49,280 --> 00:14:51,840 Speaker 4: it look like? And then after I'm going to touch 322 00:14:51,880 --> 00:14:52,800 Speaker 4: on consumer debt. 323 00:14:52,840 --> 00:14:56,080 Speaker 2: Okay, So we got our mortgage in twenty twenty one. 324 00:14:56,200 --> 00:14:58,520 Speaker 2: We bought our land and built our house and at 325 00:14:58,560 --> 00:15:01,360 Speaker 2: the time we got the home builders grant from the government, 326 00:15:01,400 --> 00:15:05,160 Speaker 2: which was fantastic. So at the time of final draw down, 327 00:15:05,160 --> 00:15:07,080 Speaker 2: we had a mortgage for I think six hundred and 328 00:15:07,120 --> 00:15:10,080 Speaker 2: six thousand dollars and then we managed to pay that 329 00:15:10,120 --> 00:15:12,920 Speaker 2: down over a couple of years down to five eighty 330 00:15:13,000 --> 00:15:13,840 Speaker 2: five cool. 331 00:15:14,000 --> 00:15:14,320 Speaker 4: Nice. 332 00:15:14,520 --> 00:15:16,760 Speaker 2: Yeah, And then only in the last couple of months 333 00:15:16,800 --> 00:15:20,200 Speaker 2: we finally took the plunge and bought ourselves in your 334 00:15:20,200 --> 00:15:23,320 Speaker 2: family car. So we borrowed against the equity in our house. 335 00:15:23,480 --> 00:15:25,960 Speaker 4: How smart, because the interest rate would be lower than 336 00:15:25,960 --> 00:15:26,560 Speaker 4: a car loan. 337 00:15:26,760 --> 00:15:29,400 Speaker 2: Yeah, they lowered it down so weirdly enough, our interest 338 00:15:29,480 --> 00:15:31,480 Speaker 2: rate I think at the time was six point five percent, 339 00:15:31,520 --> 00:15:33,840 Speaker 2: and then when we borrowed went into the bank and 340 00:15:34,040 --> 00:15:36,120 Speaker 2: we borrowed against the equity in our house and they 341 00:15:36,160 --> 00:15:37,520 Speaker 2: lowered it down to six point two percent. 342 00:15:37,600 --> 00:15:40,520 Speaker 4: Yeah, thank you, thank you. It's because the car, like 343 00:15:40,600 --> 00:15:44,040 Speaker 4: obviously isn't a secure asset, but the house is so 344 00:15:44,080 --> 00:15:46,280 Speaker 4: you end up in a sweeter position, which is kind 345 00:15:46,280 --> 00:15:48,480 Speaker 4: of nice. You probably weren't expecting that one. 346 00:15:48,280 --> 00:15:50,520 Speaker 2: Not at all. So our mortgage is currently sitting at 347 00:15:50,560 --> 00:15:52,160 Speaker 2: six hundred and forty seven thousand. 348 00:15:52,320 --> 00:15:56,840 Speaker 4: That's exciting, it's eyewatering. So yes, But at the same time, 349 00:15:56,920 --> 00:16:00,240 Speaker 4: it sounds like you're very across what that looks like. 350 00:16:00,280 --> 00:16:03,400 Speaker 4: And I'm assuming that with twins you probably needed a 351 00:16:03,440 --> 00:16:05,560 Speaker 4: new family car. What did you buy? What was the 352 00:16:05,640 --> 00:16:07,640 Speaker 4: thought process around that? You're like, we need a new 353 00:16:07,680 --> 00:16:10,480 Speaker 4: family car, But like, do you buy the biggest suv 354 00:16:10,600 --> 00:16:13,920 Speaker 4: on the market or do you just buy the smallest 355 00:16:13,960 --> 00:16:16,000 Speaker 4: car that everyone can fit in? Like where was the 356 00:16:16,000 --> 00:16:19,200 Speaker 4: thought process and the budgeting when it came to purchasing that? 357 00:16:19,360 --> 00:16:21,760 Speaker 2: Talking about cars, so I might just backtrack a little bit. 358 00:16:21,800 --> 00:16:23,640 Speaker 2: When I was thirteen weeks pregnant, I was involved in 359 00:16:23,680 --> 00:16:26,600 Speaker 2: a car accident. No, my car was written. 360 00:16:26,320 --> 00:16:28,480 Speaker 4: Off and you were okay and the babies were okay. 361 00:16:28,600 --> 00:16:30,880 Speaker 2: I was fine, babies were okay. Yeah. I had to 362 00:16:31,600 --> 00:16:34,000 Speaker 2: spend a couple of days in hospital just being monitored, 363 00:16:34,000 --> 00:16:35,760 Speaker 2: But then I had to start my maternity leave early 364 00:16:35,840 --> 00:16:38,600 Speaker 2: because the complications were just deemed too high risk. 365 00:16:38,760 --> 00:16:40,600 Speaker 4: So it started way too high risk. 366 00:16:40,760 --> 00:16:43,000 Speaker 2: Yeah, I started my matt leave early. So we were then, 367 00:16:43,080 --> 00:16:46,000 Speaker 2: unfortunately without a car. So luckily I had comprehensive car 368 00:16:46,000 --> 00:16:48,680 Speaker 2: insurance and we got to payout for that, but it 369 00:16:48,720 --> 00:16:50,640 Speaker 2: wasn't enough to go and buy a brand new car 370 00:16:50,720 --> 00:16:53,040 Speaker 2: because our little, my little car at the time was 371 00:16:53,080 --> 00:16:55,800 Speaker 2: going to be our little family car. So we had 372 00:16:55,840 --> 00:16:58,640 Speaker 2: to We're using the insurance payout and sort of our 373 00:16:58,640 --> 00:17:01,760 Speaker 2: savings to buy a which was a sort of a 374 00:17:01,800 --> 00:17:04,639 Speaker 2: medium sized suv. But my husband has had a single 375 00:17:04,720 --> 00:17:08,280 Speaker 2: cab ute for several years and we were practically operating 376 00:17:08,320 --> 00:17:10,439 Speaker 2: as a one car family. So because we couldn't put 377 00:17:10,440 --> 00:17:11,960 Speaker 2: any car seats in the single cab. 378 00:17:11,840 --> 00:17:13,800 Speaker 4: You two kids with car seats, like. 379 00:17:13,840 --> 00:17:16,919 Speaker 2: Yeah, So essentially we bought him a new car and 380 00:17:16,960 --> 00:17:18,440 Speaker 2: it's an ICDD Max. 381 00:17:18,680 --> 00:17:21,280 Speaker 4: Yeah okay, and then everyone fits in that, which is nice. 382 00:17:21,320 --> 00:17:23,440 Speaker 2: Everyone fits in the car and then some so that's lovely. 383 00:17:23,800 --> 00:17:26,480 Speaker 4: How good? And so tell me a bit more about 384 00:17:26,480 --> 00:17:28,720 Speaker 4: your consumer debt journey. So you've got this mortgage and 385 00:17:28,760 --> 00:17:30,600 Speaker 4: that makes sense. I think you're in a really good position. 386 00:17:30,800 --> 00:17:33,120 Speaker 4: And that type of debt is actually good debt because 387 00:17:33,119 --> 00:17:36,920 Speaker 4: it's creating wealth into the future. But you said we've 388 00:17:36,960 --> 00:17:39,400 Speaker 4: paid off our consumer debt. Where did that come from? 389 00:17:39,440 --> 00:17:40,359 Speaker 4: What did that look like? 390 00:17:40,640 --> 00:17:42,840 Speaker 2: So before I started listening to the podcast, and as 391 00:17:42,880 --> 00:17:45,800 Speaker 2: our house was being built, we went into a furniture 392 00:17:45,840 --> 00:17:48,400 Speaker 2: store and bought all new furniture for the house because 393 00:17:48,400 --> 00:17:50,480 Speaker 2: I wanted nice new furniture, as you do when you 394 00:17:50,520 --> 00:17:52,920 Speaker 2: get a new house, and we signed up for a 395 00:17:53,000 --> 00:17:55,679 Speaker 2: Latitude Go card. At the time, I wasn't aware that 396 00:17:55,680 --> 00:17:57,520 Speaker 2: that probably wasn't the smartest thing to do. 397 00:17:57,520 --> 00:17:59,160 Speaker 4: But that's okay. You were doing the best you could 398 00:17:59,200 --> 00:17:59,640 Speaker 4: at the time. 399 00:17:59,720 --> 00:18:02,639 Speaker 2: Yeah, And so we got the beautiful new furniture and 400 00:18:02,680 --> 00:18:05,760 Speaker 2: then I sort of learned the difference between good debt 401 00:18:05,800 --> 00:18:07,560 Speaker 2: and bad debt, and my husband and I said, look, 402 00:18:07,600 --> 00:18:09,000 Speaker 2: need to pay this off as soon as we can. 403 00:18:09,560 --> 00:18:12,280 Speaker 2: So we hustled and we paid it off two years 404 00:18:12,280 --> 00:18:14,480 Speaker 2: and three months early. So we paid it off about 405 00:18:14,640 --> 00:18:15,320 Speaker 2: five months ago. 406 00:18:15,560 --> 00:18:18,359 Speaker 4: Hey, that's so good. And was that Tell me how 407 00:18:18,440 --> 00:18:21,399 Speaker 4: much does a furniture like decking a house out with 408 00:18:21,440 --> 00:18:23,080 Speaker 4: all new furniture, what does that cost? 409 00:18:23,480 --> 00:18:25,119 Speaker 2: It was nine thousand dollars. 410 00:18:25,400 --> 00:18:28,560 Speaker 4: Oh that feels like a lot. But at the same time, like, 411 00:18:29,119 --> 00:18:31,240 Speaker 4: I'm glad that you smashed it out and you probably 412 00:18:31,280 --> 00:18:32,600 Speaker 4: have a really nice couch. 413 00:18:32,640 --> 00:18:34,679 Speaker 2: Two new lounges, it was a dining room table, it 414 00:18:34,920 --> 00:18:37,080 Speaker 2: was a new bed, it was TV, and it was 415 00:18:37,080 --> 00:18:38,120 Speaker 2: the whole kitten kerboodle. 416 00:18:38,359 --> 00:18:41,200 Speaker 4: So but I mean, the house looks beautiful, so it does. 417 00:18:41,240 --> 00:18:41,919 Speaker 2: It's all about the us. 418 00:18:42,000 --> 00:18:45,200 Speaker 4: There you go, there you go. How did that make 419 00:18:45,240 --> 00:18:47,560 Speaker 4: you feel when you started listening to the podcast and 420 00:18:47,600 --> 00:18:50,760 Speaker 4: you learned the difference between good and bad debt. Were 421 00:18:50,800 --> 00:18:53,600 Speaker 4: you like, oh, no, I'm in this pickle or were 422 00:18:53,600 --> 00:18:55,399 Speaker 4: you like, oh, it's not so bad, or like, what 423 00:18:55,480 --> 00:18:57,840 Speaker 4: did that look like? Because I feel like I feel 424 00:18:57,840 --> 00:19:00,080 Speaker 4: a bit rude sometimes when I'm like, oh, hey, I 425 00:19:00,080 --> 00:19:03,000 Speaker 4: don't know if you know this, but that's actually really terrible. Yeah, 426 00:19:03,000 --> 00:19:04,600 Speaker 4: sorry about that buye. Yeah. 427 00:19:04,680 --> 00:19:07,199 Speaker 2: No, I was very conflicted, that's for sure, because we 428 00:19:07,240 --> 00:19:11,040 Speaker 2: didn't need new furniture, but we wanted new furniture, and 429 00:19:11,160 --> 00:19:13,240 Speaker 2: it was probably a bit of an impulse buy. But 430 00:19:13,359 --> 00:19:15,600 Speaker 2: that's when we decided this has got to go. This 431 00:19:15,680 --> 00:19:18,520 Speaker 2: is a liability in the bank size and mortgage brokeer's eyes. 432 00:19:18,560 --> 00:19:21,240 Speaker 2: So any excess money we had left it at the 433 00:19:21,320 --> 00:19:22,800 Speaker 2: end of the month, we were just put towards like 434 00:19:22,840 --> 00:19:24,960 Speaker 2: straight onto that debt, and when we paid it off 435 00:19:25,000 --> 00:19:27,120 Speaker 2: back in July of this year, we closed the account, 436 00:19:27,160 --> 00:19:28,040 Speaker 2: so it's gone. 437 00:19:27,880 --> 00:19:31,560 Speaker 4: Yeah, very cool. I love this. So next question I've 438 00:19:31,560 --> 00:19:34,040 Speaker 4: got for you. You've paid off a eab of consumer debt. 439 00:19:34,080 --> 00:19:36,080 Speaker 4: It sounds like you've been really smart with the way 440 00:19:36,119 --> 00:19:39,200 Speaker 4: that you've gotten a car loan, You've got a healthy mortgage, 441 00:19:39,240 --> 00:19:42,080 Speaker 4: you've got two kids that you're wrangling, you are working 442 00:19:42,119 --> 00:19:44,920 Speaker 4: full time, earning really good money. What do you think 443 00:19:45,000 --> 00:19:46,280 Speaker 4: is your best money habit. 444 00:19:46,480 --> 00:19:48,840 Speaker 2: I would say that my best money habit is I'm 445 00:19:49,520 --> 00:19:52,840 Speaker 2: pretty savvy shopper, particularly when it comes to grocery shopping. 446 00:19:53,440 --> 00:19:56,640 Speaker 2: I shop with Woolworths, and I've got the everyday rewards, 447 00:19:56,840 --> 00:19:59,520 Speaker 2: the subscription that they've got oh yeah yeah, and we've 448 00:19:59,520 --> 00:20:02,760 Speaker 2: also got insurance with will worth so we get two 449 00:20:02,840 --> 00:20:06,320 Speaker 2: ten percent off discounts per month. So I use that 450 00:20:06,840 --> 00:20:10,159 Speaker 2: when we shop online, which is wonderful, always looking at 451 00:20:10,200 --> 00:20:13,040 Speaker 2: what's on sale. And we also collect our reward dollars 452 00:20:13,040 --> 00:20:16,639 Speaker 2: that we accumulate with points, and so the rewards dollars 453 00:20:16,640 --> 00:20:18,760 Speaker 2: that we had collected up until earlier this year, we 454 00:20:18,960 --> 00:20:22,080 Speaker 2: used to buy our kids' birthday presents and then we'll 455 00:20:22,119 --> 00:20:23,800 Speaker 2: do the same again for Christmas, so we're not really 456 00:20:23,840 --> 00:20:26,080 Speaker 2: out of pocket that much come Birthday and Christmas. 457 00:20:26,119 --> 00:20:29,640 Speaker 4: You are so smart, Like I have done literal podcasts 458 00:20:29,680 --> 00:20:32,320 Speaker 4: on points hacking and whatnot, and like I get it. 459 00:20:32,359 --> 00:20:35,560 Speaker 4: I understand the concept, but it hasn't been until recently 460 00:20:35,600 --> 00:20:37,240 Speaker 4: that I've been like, oh, I really need to like 461 00:20:37,280 --> 00:20:40,080 Speaker 4: work out what's going to work for me. It's actually 462 00:20:40,200 --> 00:20:43,720 Speaker 4: so fun, Like I haven't been collecting all I'm on 463 00:20:43,800 --> 00:20:47,480 Speaker 4: the other program so like flybys and like collecting those, 464 00:20:47,520 --> 00:20:50,320 Speaker 4: and that I found this program where I can get 465 00:20:50,359 --> 00:20:52,720 Speaker 4: five times the points if I sign up, and I'm 466 00:20:52,760 --> 00:20:55,480 Speaker 4: just like, I feel like a hacker. This feels so fun, 467 00:20:55,560 --> 00:20:58,320 Speaker 4: Like I feel like I'm gaming the system and I'm like, okay, cool, 468 00:20:58,359 --> 00:21:00,359 Speaker 4: I'm gonna have enough points for this and it's like 469 00:21:00,440 --> 00:21:02,560 Speaker 4: free money. I adore it. 470 00:21:02,800 --> 00:21:05,040 Speaker 2: Yeah, So I'm pretty sappy with that, and I think 471 00:21:05,359 --> 00:21:08,159 Speaker 2: Christmas is approaching and we've currently got about one hundred 472 00:21:08,160 --> 00:21:10,800 Speaker 2: and sixty dollars in reward dollars sitting there, and that's 473 00:21:10,800 --> 00:21:13,000 Speaker 2: after we'd spent about two hundred dollars on the kids. 474 00:21:13,040 --> 00:21:15,440 Speaker 2: But their presence earlier in the See that's good. 475 00:21:15,600 --> 00:21:18,439 Speaker 4: Tell me what does Christmas look like for the kids 476 00:21:18,440 --> 00:21:20,919 Speaker 4: this year? Like, how are you budgeting? What are you 477 00:21:21,000 --> 00:21:23,879 Speaker 4: going to purchase? What if you asked Santa to purchase? Like, 478 00:21:23,960 --> 00:21:25,600 Speaker 4: how are we dividing all of that up? 479 00:21:26,080 --> 00:21:28,080 Speaker 2: We haven't put on Christmas is only a month the way, 480 00:21:28,119 --> 00:21:30,600 Speaker 2: we haven't put too much thought to Christmas. The kids 481 00:21:30,600 --> 00:21:33,159 Speaker 2: are asking for an inground swimming pool and a baby 482 00:21:33,200 --> 00:21:35,440 Speaker 2: for Christmas, and they're unfortunately not going to get either. 483 00:21:35,600 --> 00:21:39,639 Speaker 4: Oh both of those really reasonable? Yeah, easy, no worries. 484 00:21:39,680 --> 00:21:41,080 Speaker 4: Let me just pop out the back. I think I 485 00:21:41,119 --> 00:21:42,680 Speaker 4: have two spare Yeah. 486 00:21:42,680 --> 00:21:45,440 Speaker 2: So that's unfortunately not going to happen. But we've been 487 00:21:45,720 --> 00:21:47,400 Speaker 2: taking them to the shops and just letting them look 488 00:21:47,400 --> 00:21:49,240 Speaker 2: at things that they might be interested in. And I 489 00:21:49,280 --> 00:21:50,320 Speaker 2: take a picture of them. 490 00:21:50,720 --> 00:21:53,040 Speaker 4: In ground swimming pool. Okay, I just kind to spare 491 00:21:53,080 --> 00:21:55,120 Speaker 4: fifty grands laying around, no worries. 492 00:21:55,440 --> 00:21:58,520 Speaker 2: Yeah, so I've just been sending pictures of things that 493 00:21:58,560 --> 00:22:01,920 Speaker 2: the kids are interested into our family and just said, look, 494 00:22:02,000 --> 00:22:03,520 Speaker 2: this is something that they would like. If you're happy 495 00:22:03,560 --> 00:22:05,240 Speaker 2: to buy them, that would be great. Please just let 496 00:22:05,320 --> 00:22:06,840 Speaker 2: us know so that we don't buy it ourselves. 497 00:22:07,000 --> 00:22:09,520 Speaker 4: Yeah, that's fair. I feel like that's the smart thing 498 00:22:09,600 --> 00:22:12,400 Speaker 4: to do. This is our first Christmas with a baby. 499 00:22:12,880 --> 00:22:15,040 Speaker 4: And I said the other day to my mum, oh, 500 00:22:15,040 --> 00:22:18,720 Speaker 4: I'm thinking about purchasing X y Z And then later 501 00:22:18,800 --> 00:22:20,800 Speaker 4: she sends me a screenshot of her purchasing it, and 502 00:22:20,800 --> 00:22:22,680 Speaker 4: I was like, I'm glad you told me, but also 503 00:22:22,720 --> 00:22:25,600 Speaker 4: you just store my present idea rude. 504 00:22:25,880 --> 00:22:28,280 Speaker 2: But something else we've started doing as well is because 505 00:22:28,280 --> 00:22:31,320 Speaker 2: we've got an investment portfolio each for the boys, is 506 00:22:31,359 --> 00:22:35,399 Speaker 2: we can get gift certificates for their investments, so people 507 00:22:35,560 --> 00:22:37,879 Speaker 2: can give us like a gift that we can invest 508 00:22:37,920 --> 00:22:39,880 Speaker 2: instead of giving them like a present as such. 509 00:22:39,960 --> 00:22:43,760 Speaker 4: That's so smart. So tell me about this gift certificate idea? 510 00:22:44,400 --> 00:22:47,000 Speaker 4: Are they transferring you cash and then we're making up 511 00:22:47,000 --> 00:22:49,720 Speaker 4: a fake little certificate or like what does that look like? 512 00:22:49,760 --> 00:22:52,399 Speaker 4: And how are you telling the kids therefore? Like do 513 00:22:52,480 --> 00:22:53,879 Speaker 4: they understand. 514 00:22:53,520 --> 00:22:56,520 Speaker 2: What we've been doing with family recently? Is they might 515 00:22:56,560 --> 00:22:58,720 Speaker 2: get like a little book as there I guess the 516 00:22:58,840 --> 00:23:02,239 Speaker 2: materialistic president and then the adults will just give us 517 00:23:02,320 --> 00:23:04,400 Speaker 2: maybe twenty or thirty dollars which we can then put 518 00:23:04,400 --> 00:23:06,760 Speaker 2: away and then we can invest that for the boys. 519 00:23:07,080 --> 00:23:10,000 Speaker 2: Or I know Vanguard have a feature for children where 520 00:23:10,040 --> 00:23:12,760 Speaker 2: you can upload the details of their account and they 521 00:23:12,760 --> 00:23:15,080 Speaker 2: can someone can deposit the cash into their account for them. 522 00:23:15,200 --> 00:23:18,000 Speaker 4: Yeah, that is cool. Tell me how you're investing for 523 00:23:18,040 --> 00:23:20,639 Speaker 4: your kids. I feel like this is such a hot 524 00:23:20,720 --> 00:23:23,000 Speaker 4: topic in our community. Everyone's like, I don't know what 525 00:23:23,040 --> 00:23:26,040 Speaker 4: I'm doing. I've got analysis paralysis. So we haven't done yet. 526 00:23:26,440 --> 00:23:29,600 Speaker 4: How did you decide to start investing for your kids? 527 00:23:29,800 --> 00:23:31,760 Speaker 2: We just want them to have the best I guess 528 00:23:32,080 --> 00:23:35,199 Speaker 2: chance out a successful life when they turn eighteen or 529 00:23:35,200 --> 00:23:37,960 Speaker 2: twenty five. We haven't quite determined what age they'll sort 530 00:23:37,960 --> 00:23:41,359 Speaker 2: of receive the money yet. But we started investing for 531 00:23:41,400 --> 00:23:43,320 Speaker 2: them at the same time that we started investing for us, 532 00:23:43,720 --> 00:23:46,280 Speaker 2: which has been in the last twelve months, and currently 533 00:23:46,840 --> 00:23:49,840 Speaker 2: we are auto investing fifty dollars a month each for 534 00:23:49,920 --> 00:23:53,440 Speaker 2: them through Vanguard, and then we auto invest two hundred 535 00:23:53,480 --> 00:23:55,359 Speaker 2: dollars a month for us as well. 536 00:23:55,400 --> 00:23:59,080 Speaker 4: That's so cool. So you're doing it through Vanguard. And 537 00:23:59,200 --> 00:24:02,720 Speaker 4: did you decide to purchase a particular ETF? Have they 538 00:24:02,720 --> 00:24:05,119 Speaker 4: got matching portfolios or what does that look like? 539 00:24:05,359 --> 00:24:08,399 Speaker 2: So my husband and I our ETFs are just with 540 00:24:08,440 --> 00:24:12,359 Speaker 2: the Australian stock market, so I think it's the VASASX 541 00:24:12,359 --> 00:24:15,200 Speaker 2: that's a particular and then the boys we've just got 542 00:24:15,240 --> 00:24:17,760 Speaker 2: set on I think a moderate growth. I'm not entirely 543 00:24:17,800 --> 00:24:20,720 Speaker 2: sure of the specific details there, but I think in 544 00:24:20,720 --> 00:24:23,320 Speaker 2: the last twelve months their portfolio has gained about thirty dollars, 545 00:24:23,600 --> 00:24:24,600 Speaker 2: which has been pretty cool. 546 00:24:24,680 --> 00:24:28,720 Speaker 4: How good. So you just replicated your portfolio for them, 547 00:24:28,840 --> 00:24:33,760 Speaker 4: So everyone, I love that? How good? All right, now 548 00:24:33,800 --> 00:24:36,120 Speaker 4: I need to know all of that. Those are brilliant 549 00:24:36,119 --> 00:24:38,119 Speaker 4: money habits. But what's your worst money habit? 550 00:24:38,400 --> 00:24:40,720 Speaker 2: Oh? I'm a bit impulsive. It's a real name. 551 00:24:40,720 --> 00:24:43,520 Speaker 4: I don't hurry. Yeah, yeah, okay, So tell me more 552 00:24:43,560 --> 00:24:46,199 Speaker 4: about that. How does it impact day to day money life? 553 00:24:46,280 --> 00:24:49,160 Speaker 2: Oh? I struggle with a bit of a Yolow mindset. 554 00:24:49,320 --> 00:24:52,040 Speaker 2: Sometimes I see something I want and I'm like, oh, 555 00:24:52,080 --> 00:24:54,520 Speaker 2: I want that, and then I might just go and 556 00:24:54,600 --> 00:24:56,879 Speaker 2: buy it. It's a really bad habit. That's why I 557 00:24:56,920 --> 00:24:59,640 Speaker 2: try and do a lot of I guess shopping online 558 00:24:59,680 --> 00:25:01,640 Speaker 2: because look at it and go mmm, I'll just close 559 00:25:01,680 --> 00:25:03,640 Speaker 2: that tab and I'll left to begin tomorrow. But when 560 00:25:03,640 --> 00:25:06,159 Speaker 2: I'm actually at the shops and I'm probably not going 561 00:25:06,240 --> 00:25:07,800 Speaker 2: to come back for a few days or a few weeks, 562 00:25:07,840 --> 00:25:10,440 Speaker 2: I might just buy it on the spot. So I'm 563 00:25:10,480 --> 00:25:14,199 Speaker 2: trying to instill the putting twenty four hours between myself 564 00:25:14,240 --> 00:25:17,840 Speaker 2: and the purchase methodology, but that doesn't always work, especially 565 00:25:17,840 --> 00:25:18,920 Speaker 2: going into Christmas time. 566 00:25:19,080 --> 00:25:22,119 Speaker 4: Oh no, no, no, it's so hard. I resonate with that 567 00:25:22,240 --> 00:25:24,240 Speaker 4: so much. I'm more of a do as I say, 568 00:25:24,280 --> 00:25:26,600 Speaker 4: not as I do, kind of finance expert, you know, 569 00:25:26,720 --> 00:25:28,720 Speaker 4: like I'll give you all the tips and tricks, but 570 00:25:28,760 --> 00:25:31,080 Speaker 4: I've also got to be really honest that sometimes I'm 571 00:25:31,119 --> 00:25:33,880 Speaker 4: not that good at it, because it's not that exciting 572 00:25:34,000 --> 00:25:36,879 Speaker 4: having a finance expert that's perfect at money. But at 573 00:25:36,920 --> 00:25:39,119 Speaker 4: the same time, I'm like, but it's Christmas, it's coming up. 574 00:25:39,119 --> 00:25:40,560 Speaker 4: I'm going to need to get it, and I don't 575 00:25:40,560 --> 00:25:42,359 Speaker 4: want to have to get it in a week rush 576 00:25:42,520 --> 00:25:45,760 Speaker 4: up to Christmas like that just feels stressful. Like yeah, 577 00:25:45,800 --> 00:25:47,720 Speaker 4: I think I also need to be a little bit 578 00:25:47,720 --> 00:25:50,800 Speaker 4: more planned, but like I feel like it's ingrained in 579 00:25:50,880 --> 00:25:53,600 Speaker 4: us at the same time. So, now that we've had 580 00:25:53,600 --> 00:25:55,359 Speaker 4: a chat, I want to know more about this B 581 00:25:55,560 --> 00:25:58,840 Speaker 4: minus because it sounds like you're pretty set. What would 582 00:25:58,840 --> 00:26:01,240 Speaker 4: it take to get you to an A or an 583 00:26:01,280 --> 00:26:03,800 Speaker 4: A plus if I asked you what your money habits 584 00:26:03,840 --> 00:26:06,159 Speaker 4: were in the future, Like what steps are we taking 585 00:26:06,200 --> 00:26:06,760 Speaker 4: to get there? 586 00:26:06,840 --> 00:26:09,320 Speaker 2: I think I just need to cut the frivolous purchases, 587 00:26:09,440 --> 00:26:11,879 Speaker 2: to be honest. One of my really bad habits is 588 00:26:12,440 --> 00:26:15,320 Speaker 2: I'm an avid reader and I buy a lot of books, 589 00:26:15,480 --> 00:26:17,159 Speaker 2: and then I keep buying books, but I don't read 590 00:26:17,200 --> 00:26:18,640 Speaker 2: the books that I've already got, and I just. 591 00:26:18,600 --> 00:26:20,159 Speaker 4: Keep adding you and I are the same. 592 00:26:20,480 --> 00:26:23,560 Speaker 2: Yeah, it's a really toxic trade, unfortunately. Or I read 593 00:26:23,640 --> 00:26:25,480 Speaker 2: on my kindle and then I go and buy the 594 00:26:25,480 --> 00:26:27,359 Speaker 2: physical book from my bookshelf like a trophy. 595 00:26:27,440 --> 00:26:30,159 Speaker 4: Yeah, why do we like this? Literally say, if I 596 00:26:30,200 --> 00:26:31,840 Speaker 4: really like the book, I'm like, well, I want it 597 00:26:31,880 --> 00:26:32,719 Speaker 4: on my bookshelf. 598 00:26:32,800 --> 00:26:35,199 Speaker 2: Yep. Yeah. So I need to cut the frivolous spending, 599 00:26:35,359 --> 00:26:38,280 Speaker 2: I think, just because I get I'm trying to unsubscribe 600 00:26:38,320 --> 00:26:40,560 Speaker 2: from a lot of marketing emails at the moment, especially 601 00:26:40,600 --> 00:26:42,440 Speaker 2: we've just come out of like a splat Friday sales, 602 00:26:42,480 --> 00:26:45,280 Speaker 2: and I'm getting all the emails saying seventy percent off 603 00:26:45,320 --> 00:26:47,280 Speaker 2: store wide, and I just go and look online and 604 00:26:47,280 --> 00:26:49,520 Speaker 2: I'm like, oh, I don't need that, but I might 605 00:26:49,560 --> 00:26:52,120 Speaker 2: buy it anyway. So just really trying to be more 606 00:26:52,160 --> 00:26:54,200 Speaker 2: intentional with my purchases. I think you'll probably get me 607 00:26:54,280 --> 00:26:54,680 Speaker 2: up to it. A. 608 00:26:55,000 --> 00:26:57,520 Speaker 4: I love that. I actually have a website recommendation for 609 00:26:57,640 --> 00:27:00,720 Speaker 4: you that I have recently used. But I actually used 610 00:27:00,760 --> 00:27:02,919 Speaker 4: it probably like five or six years ago and it 611 00:27:02,960 --> 00:27:05,359 Speaker 4: worked really well. And this isn't sponsored, Just to be 612 00:27:05,480 --> 00:27:08,000 Speaker 4: really clear, this is just me being like, hey, this worked. 613 00:27:08,280 --> 00:27:11,640 Speaker 4: It's called unrolledt me and you like log into this 614 00:27:11,680 --> 00:27:15,440 Speaker 4: website and you put in your email details, which does 615 00:27:15,480 --> 00:27:18,200 Speaker 4: feel a little bit dodgy, but I have like looked 616 00:27:18,280 --> 00:27:20,919 Speaker 4: into this platform and it is secure, and then it 617 00:27:21,040 --> 00:27:24,720 Speaker 4: categorizes all of your marketing and bulk unsubscribes. 618 00:27:25,000 --> 00:27:25,520 Speaker 2: I need that. 619 00:27:25,880 --> 00:27:28,040 Speaker 4: Like it literally goes, hey, here's all of this. Do 620 00:27:28,080 --> 00:27:29,880 Speaker 4: you want to unsubscribe from it? And I like tick 621 00:27:29,920 --> 00:27:33,640 Speaker 4: the box and I'm like that was truly like hundreds 622 00:27:33,680 --> 00:27:37,159 Speaker 4: of different marketing emails and that worked really really well. 623 00:27:37,480 --> 00:27:39,720 Speaker 4: So I don't know it might be for you, but 624 00:27:39,880 --> 00:27:42,040 Speaker 4: that saved me a heap of time and also made 625 00:27:42,040 --> 00:27:43,320 Speaker 4: me feel really accomplished. 626 00:27:43,480 --> 00:27:45,159 Speaker 2: Excellent. No, I need to I think look into that 627 00:27:45,200 --> 00:27:46,800 Speaker 2: one to save myself some money as well. 628 00:27:46,920 --> 00:27:50,159 Speaker 4: Oh, I feel like the emails people are getting so 629 00:27:50,400 --> 00:27:54,680 Speaker 4: good at email marketing that I see something and I'm like, oh, 630 00:27:54,800 --> 00:27:58,159 Speaker 4: it's from my for example, recently, it's from my favorite 631 00:27:58,200 --> 00:28:01,040 Speaker 4: pajama brand. I don't need that, no worries. But then 632 00:28:01,080 --> 00:28:02,679 Speaker 4: I read the heading and I'm like, you've got me. 633 00:28:02,720 --> 00:28:04,320 Speaker 4: I need to click it. I need to read it. 634 00:28:04,600 --> 00:28:07,479 Speaker 4: You've got me, you win. It's a slippery slope. I 635 00:28:07,520 --> 00:28:10,720 Speaker 4: just need it not landing in my inbox. Money diarist. 636 00:28:11,320 --> 00:28:13,200 Speaker 4: I have adored this. I feel like this has been 637 00:28:13,280 --> 00:28:16,600 Speaker 4: really fun. I want to ask a little like a 638 00:28:16,680 --> 00:28:20,000 Speaker 4: little bit of a finisher question, because when you found 639 00:28:20,040 --> 00:28:22,800 Speaker 4: out you were pregnant with twins, you said you cried 640 00:28:22,920 --> 00:28:26,480 Speaker 4: all the way home from that appointment, and I feel 641 00:28:26,480 --> 00:28:29,680 Speaker 4: like that could be really disheartening, like it can feel. 642 00:28:29,720 --> 00:28:32,040 Speaker 4: And I'm assuming you didn't have other friends who had 643 00:28:32,080 --> 00:28:35,399 Speaker 4: twins and you were like, what is going on? If 644 00:28:35,960 --> 00:28:38,600 Speaker 4: someone is listening to this and they have either just 645 00:28:38,600 --> 00:28:41,920 Speaker 4: found out they were having twins or they are gonna 646 00:28:41,960 --> 00:28:45,280 Speaker 4: have babies in the future, what would be your advice? 647 00:28:45,680 --> 00:28:48,680 Speaker 4: What would you say? Are you gonna say, yeah, just 648 00:28:48,800 --> 00:28:53,120 Speaker 4: strap in, or you gonna say this is like really good, 649 00:28:53,200 --> 00:28:56,360 Speaker 4: or like what would your advice be to either current 650 00:28:56,640 --> 00:28:59,280 Speaker 4: potential twin mums or future twin moms? 651 00:28:59,400 --> 00:29:02,080 Speaker 2: I think as you said strap in buckle up. It's 652 00:29:02,120 --> 00:29:05,040 Speaker 2: a rollercroaster of a ride, but it's I think it's 653 00:29:05,080 --> 00:29:08,520 Speaker 2: really showed me just how strong I can be. We've 654 00:29:08,520 --> 00:29:10,920 Speaker 2: had some really tough times and also some really positive 655 00:29:10,920 --> 00:29:13,480 Speaker 2: moments as well. As they get older and you're sort 656 00:29:13,480 --> 00:29:15,520 Speaker 2: of coming out of the trenches, I suppose you could 657 00:29:15,520 --> 00:29:19,000 Speaker 2: say things do get a little bit easier. I always 658 00:29:19,080 --> 00:29:21,760 Speaker 2: found budgeting when you have to buy two of everything, 659 00:29:21,880 --> 00:29:24,120 Speaker 2: is very helpful. And if you have people that you 660 00:29:24,160 --> 00:29:26,320 Speaker 2: can lead on for support, whether it's just help with 661 00:29:26,360 --> 00:29:29,200 Speaker 2: the children or help financially. And that's not everyone's cup 662 00:29:29,240 --> 00:29:30,960 Speaker 2: of tea, but we're very lucky it was an option 663 00:29:31,080 --> 00:29:33,800 Speaker 2: for us. Then find your village if you've got one. 664 00:29:33,800 --> 00:29:36,960 Speaker 4: Good And is twins as fun as I seem to 665 00:29:36,960 --> 00:29:38,880 Speaker 4: think it is as a singleton parent. 666 00:29:38,880 --> 00:29:41,800 Speaker 2: I don't know it's cute dressing them in the same clothes. 667 00:29:41,840 --> 00:29:43,240 Speaker 2: We've identical twins. 668 00:29:43,360 --> 00:29:45,120 Speaker 4: It would be, it really would be. 669 00:29:45,440 --> 00:29:48,160 Speaker 2: Yeah, So dressing them in matching outfits is always fun. 670 00:29:48,200 --> 00:29:51,320 Speaker 2: But then I can't tell my own children apart sometimes, so. 671 00:29:51,560 --> 00:29:53,960 Speaker 4: Oh that is good to know, because I just assumed 672 00:29:54,000 --> 00:29:57,160 Speaker 4: that you'd inherently be able to do that. Do they 673 00:29:57,200 --> 00:29:59,040 Speaker 4: correct you? Are they at that age where they're like, 674 00:29:59,120 --> 00:30:00,800 Speaker 4: I'm not Bob, I'm then Yes. 675 00:30:01,120 --> 00:30:03,440 Speaker 2: Regularly we often get stopped in the street as well. 676 00:30:03,600 --> 00:30:05,680 Speaker 2: Just people are just curious about twins as well, so 677 00:30:05,720 --> 00:30:08,600 Speaker 2: that's always fun. I've been asking really weird questions over 678 00:30:08,640 --> 00:30:11,280 Speaker 2: the years about twins, so there's never a dull moment. 679 00:30:11,400 --> 00:30:13,520 Speaker 4: I feel like people would have a lot of audacity. 680 00:30:13,600 --> 00:30:15,280 Speaker 2: They do. Some of the questions I've been asked at 681 00:30:15,320 --> 00:30:18,640 Speaker 2: being intensely personal and just you never ask a regular 682 00:30:18,680 --> 00:30:19,120 Speaker 2: parent that. 683 00:30:19,960 --> 00:30:23,680 Speaker 4: Absolutely not. Oh, I feel like I would be googling 684 00:30:23,760 --> 00:30:26,040 Speaker 4: witty comebacks to be like, wait, you can see the 685 00:30:26,080 --> 00:30:26,640 Speaker 4: second one? 686 00:30:26,760 --> 00:30:28,400 Speaker 2: Yeah, some people say that, or it was like a 687 00:30:28,440 --> 00:30:30,600 Speaker 2: buy one, get one free promotion at the hospital or 688 00:30:30,600 --> 00:30:31,960 Speaker 2: things like that. Yeah. 689 00:30:32,040 --> 00:30:35,160 Speaker 4: Literally, I'd be like, bug off, I don't know you. 690 00:30:35,760 --> 00:30:38,160 Speaker 2: Yeah, people are just I don't know, they just forget 691 00:30:38,160 --> 00:30:40,959 Speaker 2: their filter when they see two or more babies. They 692 00:30:41,000 --> 00:30:43,560 Speaker 2: just look the same. It's just like a like a 693 00:30:43,600 --> 00:30:45,440 Speaker 2: really inherent curiosity in some people. 694 00:30:45,800 --> 00:30:47,880 Speaker 4: Well, I am very proud of you. I think you've 695 00:30:47,880 --> 00:30:50,360 Speaker 4: done an epic job, and it sounds like your kids 696 00:30:50,400 --> 00:30:52,120 Speaker 4: are going to grow up knowing a lot about money 697 00:30:52,160 --> 00:30:54,200 Speaker 4: and a lot about values and I think that that's 698 00:30:54,240 --> 00:30:58,200 Speaker 4: really really special. I have adored having this conversation with you, 699 00:30:58,240 --> 00:31:00,480 Speaker 4: and I just know that our community is and heart 700 00:31:00,600 --> 00:31:03,600 Speaker 4: love listening and getting to go on the journey of like, 701 00:31:03,680 --> 00:31:06,280 Speaker 4: oh what's that like? Because I mean, as a new mum, 702 00:31:06,800 --> 00:31:11,360 Speaker 4: the trenches are deep. I feel so much for you 703 00:31:11,520 --> 00:31:14,400 Speaker 4: having done it two times over at the same time, 704 00:31:14,520 --> 00:31:16,600 Speaker 4: like the relief I felt when I got to put 705 00:31:16,600 --> 00:31:19,560 Speaker 4: my Singleton baby down asleep knowing that there was a 706 00:31:19,720 --> 00:31:23,440 Speaker 4: second one. Oh my lord, your mental health might have 707 00:31:23,520 --> 00:31:24,400 Speaker 4: been out the window. 708 00:31:24,600 --> 00:31:27,480 Speaker 2: Yeah, we're working on the mental health still. That's okay. Yeah, 709 00:31:27,520 --> 00:31:27,920 Speaker 2: that's okay. 710 00:31:27,920 --> 00:31:30,840 Speaker 4: It's an ongoing journey for all of us. Thank you 711 00:31:30,880 --> 00:31:32,080 Speaker 4: so much. I have adored this. 712 00:31:32,360 --> 00:31:32,720 Speaker 2: Thanks Be. 713 00:31:39,160 --> 00:31:41,720 Speaker 5: Did By shared on She's on the Money is general 714 00:31:41,760 --> 00:31:45,640 Speaker 5: in nature and does not consider your individual circumstances. She's 715 00:31:45,680 --> 00:31:49,120 Speaker 5: on the Money exists purely for educational purposes and should 716 00:31:49,160 --> 00:31:52,320 Speaker 5: not be relied upon to make an investment or financial decision. 717 00:31:52,720 --> 00:31:55,160 Speaker 5: If you do choose to buy a financial product, read 718 00:31:55,200 --> 00:31:58,880 Speaker 5: the PDS TMD and obtain appropriate financial advice. 719 00:31:58,560 --> 00:31:59,880 Speaker 4: Tailored towards your needs. 720 00:32:00,280 --> 00:32:04,200 Speaker 5: Victoria Divine and Sheese on the Money are authorized representatives 721 00:32:04,240 --> 00:32:06,640 Speaker 5: of money sherper p t y l t D A 722 00:32:06,760 --> 00:32:09,640 Speaker 5: b N three two one six four nine two seven 723 00:32:09,760 --> 00:32:12,600 Speaker 5: seven zero eight a f s L four five one 724 00:32:12,800 --> 00:32:14,320 Speaker 5: two eight nine