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

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

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

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

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

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

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: for millennials who want financial freedom. There is no doubt

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Speaker 4: about it that Australia is the lucky country. The standard

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Speaker 4: of living, access to healthcare, quality of life for most

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Speaker 4: people compared to international standards is kind of high, and

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Speaker 4: perhaps as a reflection of this, Aussies are also some

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Speaker 4: of the most underinsured people on the planet too, isn't

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Speaker 4: that right?

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Speaker 5: Pet I go on and on and on about this.

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Speaker 5: This ain't my first rodeo, my love, but it seems

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Speaker 5: like all this luck has given us a very very

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Speaker 5: false sense of security, and there's a reason that she'll

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Speaker 5: be right is a national saying. But you can never

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Speaker 5: know what is around the corner with your health, which

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Speaker 5: is exactly why Beck. Today we are talking about the

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Speaker 5: cost of care and we have a very special guest

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Speaker 5: who joins us today, my friend Rhiann and Tracy.

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Speaker 2: Welcome to the show, My love. I'm blushing that we're friends.

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Speaker 5: We basically became best friends a week ago. Today we

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Speaker 5: met at an event on the Gold Coast for Lareel,

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Speaker 5: which was really fancy. I don't know about you, but

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Speaker 5: I thought it was really cool to be working with

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Speaker 5: Lorel And I've posted all over my socials as have you,

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Speaker 5: so clearly think it's a lit bit fancy.

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Speaker 2: We bonded over there, our mutual respect and love for

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Speaker 2: kangaroo sidings, oh.

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Speaker 5: Yeah, and ta kere and take care and beauty and

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Speaker 5: fashion and literally everything else. But Rhiannon, can you tell

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Speaker 5: my community a little bit about yourself?

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Speaker 2: Hello, she's on the Money community. My name is Rhiannon.

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Speaker 2: I'm a Scorpio, which I think is vital information for

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Speaker 2: this community. It absolutely is.

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Speaker 5: You're also a community member and have been for a

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Speaker 5: long time.

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Speaker 2: Absolutely, I have been living my life on wheels for

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Speaker 2: the last fourteen years. So after a diving accident happened

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Speaker 2: two months before my twenty first birthday, I was, I

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Speaker 2: want to say gifted, but it wasn't really a gift,

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Speaker 2: was it. I was a really really shooty gift, shitty gift.

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Speaker 2: But you know what, I doned my hot pink set

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Speaker 2: of wheels, and it's just how I roll through life now.

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Speaker 5: It is, And I literally am obsessed with your content.

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Speaker 5: I feel like, after hearing you speak, it was just

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Speaker 5: a no brainer to drag you onto the podcast because

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Speaker 5: I feel like, not only is accessibility something that we

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Speaker 5: need to be talking about, but you're really open and

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Speaker 5: honest and frank about these conversations and breaking down some

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Speaker 5: barriers that a lot of people often find really awkward

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Speaker 5: when having these conversations because you're like, oh, you can't

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Speaker 5: ask that, and you're like, heck, yes you can.

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Speaker 2: It's fine. How about we talk about X, Y and Z.

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Speaker 5: And I just think this is how we should be

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Speaker 5: having conversations because they are really respectful, but it also

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Speaker 5: ultimately puts everybody in a better position. And I'm genuinely

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Speaker 5: so excited to have you here and share I guess

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Speaker 5: your experience, but also talk about the research, talk about

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Speaker 5: the cost of care, and talk about what it actually means, because,

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Speaker 5: as Beck said before, we kind of have this false

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Speaker 5: sense of security and we think that we live in

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Speaker 5: the lucky country, and we think that the Australian healthcare

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Speaker 5: system is the best thing in the entire world, which

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Speaker 5: is true if you've never had anything significant happen. So

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Speaker 5: Medicare and the Australian health system are great, and like

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Speaker 5: I said before, we are called the lucky country for

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Speaker 5: a reason, so I do think we need to acknowledge that.

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Speaker 5: But as good as our safety nets are, the out

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Speaker 5: of pocket cost and the impact to those of us

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Speaker 5: who are affected by ill health or disability can be

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Speaker 5: absolutely terrifying. And depending on the condition, the direct costs

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Speaker 5: can range from hundreds of dollars too many thousands if

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Speaker 5: not in your case, Rihanna, and millions of dollars, and

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Speaker 5: often these are compounded by indirect costs like loss of

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Speaker 5: income or impacting the sufferers or literally the people that

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Speaker 5: surround you, and the cost of your family members needing

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Speaker 5: to take care of you. So Rihanna and I want

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Speaker 5: to talk about the things that I, as an ex

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Speaker 5: financial advisor, find really sexy, and that's personal insurances. So

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Speaker 5: you had an accident, you dived into a pool and

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Speaker 5: came out of that pool a quadriplegic. But I want

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Speaker 5: to know what was your insurance at the time of

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Speaker 5: that accident and how did it help you.

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Speaker 2: I love telling this story because my mum and I

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Speaker 2: we would go to Balley every year and we would

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Speaker 2: have the same argument, and that would be she would

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Speaker 2: be telling me to get travel insurance. You didn't need it, exactly.

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Speaker 2: I wanted to buy the genuine fake Louis Vuitton bags.

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Speaker 2: They're genuine, they're genuine fakes. Yeah, they've got the Gucci

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Speaker 2: logo on the front backly, So it would be the

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Speaker 2: same argument every year. That one hundred dollars, though, saved

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Speaker 2: my life. And I did have travel insurance, and I

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Speaker 2: had it every year, and I drill it into everybody's

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Speaker 2: head who travels. I had all the insurances.

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Speaker 5: And I love hearing that, and I feel like it's

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Speaker 5: one of those things that as young people we just

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Speaker 5: go that will never happen to me. I'm going to

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Speaker 5: Bali and you know what, I get it. Bali is

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Speaker 5: like a budget location, so like, you're not there going

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Speaker 5: this is a multi thousand dollar, you know, Europe trip,

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Speaker 5: where you know, an extra couple of hundred dollars is

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Speaker 5: really not that much. You kind of look at Bali

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Speaker 5: and I go, all right, we've got some sick, cheap

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Speaker 5: jet stuff lights. What is the cheapest best accommodation we

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Speaker 5: can get? And then it just feels like insurance is

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Speaker 5: one of those other burdens that you're like, I can't

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Speaker 5: be bothered, but it is so worth it. And the

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Speaker 5: amount of times I have had to drill into ex

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Speaker 5: clients and my friends and my family, I'm like, insurance,

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Speaker 5: I want it to be the biggest waste of money

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Speaker 5: you've ever made.

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Speaker 2: I want you to buy it.

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Speaker 5: And not claim on it, Like that's the ideal outcome,

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Speaker 5: because even though Roan and you're in a better financial position,

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Speaker 5: it's kind of shitty that you had to claim on

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Speaker 5: it on the first place. And we really need to

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Speaker 5: understand how government health systems and insurances interact, and I

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Speaker 5: guess have a realistic appreciation of the true cost of

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Speaker 5: poor health, so we can judge the appropriateness of types

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Speaker 5: and levels of support to best suit our circumstances, and

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Speaker 5: even with private health insurance and Medicare, you're often left

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Speaker 5: with a massive gap to pay. Sirianna and I have

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Speaker 5: a few facts and stats, and I know you can

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Speaker 5: back this up because I've literally heard you talking about this,

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Speaker 5: But Hugo, did you know an Australian study investigating the

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Speaker 5: effects of health care costs on individuals found that fourteen

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Speaker 5: percent of adults didn't receive the recommended care due to cost.

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Speaker 5: For those living with chronic health conditions, that proportion was

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Speaker 5: higher at twenty four percent.

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Speaker 2: Is this a surprise? It actually still blows my mind

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Speaker 2: because you know, I was twenty one when I was

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Speaker 2: discharged from hospital, and not only was I unable to

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Speaker 2: return to work, but my mum actually had to close

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Speaker 2: her business to become my full time career because we

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Speaker 2: couldn't afford caress. There was no ndis. I think we

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Speaker 2: got seven hours of respite a week from the government,

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Speaker 2: so you know week.

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Speaker 5: It's not even a full work day for someone.

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Speaker 2: I mean the amount of komochas I saw my mum

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Speaker 2: throw over the back fence just because she needed some

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Speaker 2: kind of mental and physical release from being my full

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Speaker 2: time care.

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Speaker 5: Heck, no, get this out of my life.

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Speaker 2: But it's just absurd that these are the costs associated

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Speaker 2: with living with any kind of disability or you know,

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Speaker 2: physical trauma.

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Speaker 5: And I mean it makes sense, Beck, you grew up

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Speaker 5: in more of a low income family, and I feel

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Speaker 5: like this even stretches to I guess that side of

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Speaker 5: our community where it's like, okay, cool, the cost of

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Speaker 5: health care meant that you didn't receive the recommended care.

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Speaker 2: Due to cost.

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Speaker 5: Did you ever come across that or experience it personally

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Speaker 5: or see it being experienced in your community, To be honest,

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Speaker 5: not a lot when I was growing up, because I

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Speaker 5: guess like I just took for granted that going to

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Speaker 5: the doctors and getting half priced prescription medication with a

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Speaker 5: healthcare car and things like that just made sense growing up. Actually,

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Speaker 5: now that I'm older and I want to, for example,

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Speaker 5: take care of my teeth, I desperately need to get

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Speaker 5: wisdom teeth out, desperately need to get all these same yeah, like.

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Speaker 2: Feeling such an expensive bro seriously.

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Speaker 4: And I'm like, I can't believe that's not covered by Medicare,

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Speaker 4: And so I guess it's not growing up. I didn't

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Speaker 4: really feel it, but I can imagine that my mum

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Speaker 4: would have knowing what went on behind the scenes.

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Speaker 5: Yeah, And I guess that experience makes a lot of

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Speaker 5: sense because when you're little, regardless of your circumstances, your

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Speaker 5: parents often or your caregivers often shelter you from that.

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Speaker 5: Like your parents weren't going to tell you if they're

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Speaker 5: struggling to take you to the doctor or pay for

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Speaker 5: a prescription. But as you get older, the pinch gets

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Speaker 5: a little bit more real. And I feel like for

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Speaker 5: our community at the moment, it's getting even more real

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Speaker 5: because I'm having these conversations even just about bulk billing

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Speaker 5: clinics becoming like Hen's Teeth, Like people like where bulk bilms,

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Speaker 5: like so many doctor's clinics are now going, oh, we

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Speaker 5: don't do that anymore. And to me, that's wild, and

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Speaker 5: I understand why, Like they're a business. At the end

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Speaker 5: of the day, going and seeing a private GP is

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Speaker 5: not a government run facility. It's actually a private business

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Speaker 5: and they are running it as such, and so it's

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Speaker 5: kind of up to their discretion as to whether they

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Speaker 5: extend you that grace or not. However, to me, it's

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Speaker 5: wild that there aren't kind of like mandates of how

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Speaker 5: many bulk billing clinics are in particular areas and stuff

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Speaker 5: like that. So I feel like more now than ever,

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Speaker 5: we're kind of feeling the healthcare pinch. But moving on,

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Speaker 5: I have another statistic for you that won't come as

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Speaker 5: a surprise to either people sitting at the table because

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Speaker 5: I've shown you it before, but it might to people

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Speaker 5: who were listening. Further research, so from the same study

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Speaker 5: suggested that over forty percent of individuals with depression, anxiety,

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Speaker 5: or other mental health conditions just completely skip treatment and

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Speaker 5: other care because of the cost. It makes sense that's

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Speaker 5: really say forty percent, are you joking? Only sixty percent

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Speaker 5: of people experiencing these things are getting the help that

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Speaker 5: they need.

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Speaker 2: And the sad thing about it, and the sad I

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Speaker 2: should say, the sad reality about it is the well,

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Speaker 2: I don't want to say the majority, but a lot

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Speaker 2: of these people who need access to these you know,

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Speaker 2: mental health care and things like that are my community

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Speaker 2: and people living with disabilities that require the physical care

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Speaker 2: just as much as they require the mental health care.

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Speaker 5: You were talking about it in your presentation that people

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Speaker 5: who already have a pre existing disability are what three

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Speaker 5: times more likely to suffer from a mental health condition,

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Speaker 5: And like that makes sense because your lifestyle is already

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Speaker 5: compromised and that is leading to you not feeling your

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Speaker 5: like your best self, and it just to me, I

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Speaker 5: just want to jump up and down about it because

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Speaker 5: it's just so wildly unfair to me. That obviously takes

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Speaker 5: into consideration absolutely no indirect cost like days off work

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Speaker 5: from not being able to go to work, or the

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Speaker 5: reduced working capacity of becoming a carer. And you mentioned

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Speaker 5: that just before, Like your mum literally sold her business

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Speaker 5: to look after you. And I mean, I'm sure if

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Speaker 5: we spoke to your momum, she'd be like, oh, I

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Speaker 5: wouldn't have done anything else. Like Rihannon is the one

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Speaker 5: true love of my entire life. And I totally get.

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Speaker 2: That right because that's one hundred percent.

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Speaker 5: That's love and that's family and that makes sense. But like,

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Speaker 5: that doesn't mean that she wasn't impacted. That doesn't mean that.

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Speaker 2: The emotional guilt that I lived with because it was

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Speaker 2: something that had happened directly to me, but indirectly to her.

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Speaker 2: So she was giving up her entire life to make

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Speaker 2: sure that I had some kind of quality of my own.

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Speaker 5: Yeah, And to be honest, that is so special, Like

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Speaker 5: I just your mom must be the biggest legend in

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Speaker 5: the entire world. We love Shaza, we love Shahaha, shas

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Speaker 5: water legend. So we're going to look at some of

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Speaker 5: the real costs of care now for certain different types

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Speaker 5: of injuries and diseases and re we mentioned before. I

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Speaker 5: would adore your insight on this. So one of my

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Speaker 5: favorite pieces of research that was ever done is by Zurich.

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Speaker 5: It's the Zurich White Paper on the Cost of Care.

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Speaker 5: And you guys have probably heard me talk about this before.

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Speaker 5: If you're one of my financial advice clients or my

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Speaker 5: ex financial advice clients, you've probably had it sent to

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Speaker 5: you about a million times when I ran on and

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Speaker 5: on about getting appropriately insured. But let's talk about spinal

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Speaker 5: cord injury to begin with. It's not going to be

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Speaker 5: a surprise to you, but I think it is going

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Speaker 5: to be a massive surprise to our community that the

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Speaker 5: lifetime direct cost of quadriplegia can exceed eleven million dollars

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Speaker 5: for an individual.

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Speaker 2: Yeah, and it definitely still to this day makes me

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Speaker 2: want to fall out of my chair. When I hear

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Speaker 2: those numbers, because then I look at that in comparison

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Speaker 2: to the disability support pension that I was on many

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Speaker 2: years ago before I realized, well, I realized then that

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Speaker 2: I had no choice but to build some kind of

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Speaker 2: a career of my own because I just could not

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Speaker 2: afford any kind of life. I couldn't even afford the

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Speaker 2: means that I needed to be able to do personal care,

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Speaker 2: go to the toilet, do the things, you know, So

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Speaker 2: it absolutely blows my mind. Can we share that on

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Speaker 2: the podcast?

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Speaker 5: Actually, when I had this conversation after meeting and you

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Speaker 5: were like, oh my gosh, it cost me x to

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Speaker 5: do this, and why can you share that with the community,

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Speaker 5: because it through my mind.

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Speaker 2: There's so many hidden costs when it comes to spinal

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Speaker 2: cord injury. And I always speak on the perspective of

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Speaker 2: this injury because it's obviously the one that I live with,

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Speaker 2: But people don't understand that it's not just what you

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Speaker 2: see is what you get injury. So, yes, somebody is paralyzed,

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Speaker 2: that can be obvious, sometimes not, but we're internally paralyzed

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Speaker 2: as well, which means that the injury itself has affected

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Speaker 2: all of our internal organs and one of the main

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Speaker 2: I guess things that is affected is our bound bladder functions,

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Speaker 2: so will require not just medication but also continent aids

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Speaker 2: to be able to go to the bathroom and they

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Speaker 2: cost money. So for example, just to paint the picture,

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Speaker 2: there's no such thing as TMI when it comes to

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Speaker 2: these injuries. It costs me a dollar sixty five every

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Speaker 2: time I need to go and do a wee. But

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Speaker 2: then you throw on top of that the cost of

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Speaker 2: the medication I need to take to be able to

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Speaker 2: do number twos. I worked it out a few months

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Speaker 2: ago and it was actually more than what I earn

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Speaker 2: on my full time wager year, So it was eighty

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Speaker 2: six thousand dollars roughly, and that is based on a

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Speaker 2: good day of not drinkings of water a day. Not

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Speaker 2: here as a health quick yes, and a health queen.

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Speaker 2: You know, I'm not having that extra coffee a day either.

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Speaker 2: But there are so many hidden costs associated which adds

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Speaker 2: up to that those millions of dollars. And it still

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Speaker 2: blows my mind to this day that the Disability Support

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Speaker 2: Pension is what it is. There's so many conversations around

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Speaker 2: how NDIS really does help the disability community. Well, put

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Speaker 2: it this way, before the NDIS existed, that eighty six

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Speaker 2: thousand dollars was coming out of mine or my family's pocket,

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Speaker 2: all my communities because we did a lot of fundraisers.

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Speaker 5: Oh my gosh, it is wild to me that that

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Speaker 5: would come out of your I'm so glad that the

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Speaker 5: NDIES exists now and you're able to get that support

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Speaker 5: because you bloody deserve it.

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Speaker 2: But the idea that that.

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Speaker 5: Is coming out of your family's income, like, I don't

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Speaker 5: know where my family would get that from.

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Speaker 2: And that's not even including you know, a wheelchair. This

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Speaker 2: chair that I'm sitting in now is about ten thousand

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Speaker 2: dollars and that's not including the cushion.

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Speaker 5: And this is my it's not even including the cushion.

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Speaker 5: They're like, that's just the base model. My god, you know,

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Speaker 5: I mean it is nice.

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Speaker 2: Look the GT the GT model, but you know, so

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Speaker 2: there are so many things and there's so much conversation

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Speaker 2: around the NDIES. But for me, it really has saved

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Speaker 2: my life and my mental stability.

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Speaker 5: Yeah. No, I'm really grateful for it. And it's wild

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Speaker 5: because it's not just you. So according to the Zurich

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Speaker 5: White Paper, they're around twenty thousand, eight hundred Australians who

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Speaker 5: currently live with spinal cord injuries, which you won't be

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Speaker 5: surprised about, but approximately half of those were working prior

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Speaker 5: to having a spinal cord injury, and they're never going

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Speaker 5: to be able to return to a working role, so

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Speaker 5: they're not actually able to generate an income. That's correct,

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Speaker 5: and it's wild, right, And I'm so proud of you

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Speaker 5: for I guess beating those odds, which is an absolute

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Speaker 5: anomaly for this type of injury. But that, honestly, from

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Speaker 5: my perspective, shouldn't be something that we're proud of for you.

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Speaker 5: It's something that should be given, like you should be

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Speaker 5: able to work, you should be able to be catered

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Speaker 5: for and have a role that makes sense with your injury.

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Speaker 5: But nine times out of ten, when you talk to

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Speaker 5: someone with an injury like this, most of the reason

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Speaker 5: they can't return is because they don't have the proper

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Speaker 5: equipment to be able to return to full time work,

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Speaker 5: or they don't have the proper support or the types

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Speaker 5: of resources.

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Speaker 2: That they need.

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Speaker 5: And it drives me insane because it's like, wow, so

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Speaker 5: you're saying, if I had set you up properly and

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Speaker 5: given you all of the rehab that you can't afford

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Speaker 5: right now, and the proper chair and everything else, you

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Speaker 5: could do a job that makes sense for you. Yes,

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Speaker 5: the answer resolutely yes, it's.

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Speaker 2: One hundred percent, because even to this day, we are

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Speaker 2: still having to prove what our needs are. You know,

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Speaker 2: I've still got to prove that I need the NDIS

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Speaker 2: funding packages that I require, which minds on the lower

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Speaker 2: spectrum because I am independent. I don't need, you know,

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Speaker 2: twenty four hours a day worth of support. Even to

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Speaker 2: get a parking permit. I've got to prove the extent

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Speaker 2: of my injury or my disability. So even though these

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Speaker 2: things exist to support our community, it doesn't mean they

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Speaker 2: come easy. And that's amita bullshit.

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Speaker 5: That's something it really confuses me as well, because obviously

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Speaker 5: there are different I guess there are different levels of disability,

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Speaker 5: and some of them can be overcome over time, right

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Speaker 5: Like someone might have an injury that lasts two years

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Speaker 5: and then they come out the other side of it.

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Speaker 5: They don't need their income protection anymore because they can

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Speaker 5: turn to full time work out their full capacity and

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Speaker 5: there's no issue moving forward. Obviously, if they don't require

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Speaker 5: the NDA, Well, they shouldn't be being paid by the

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Speaker 5: NDAs correct. That makes sense. But with an injury like yours,

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Speaker 5: it's permanent. Like what part of permanent does the ndis

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Speaker 5: not understand, Like, surely there should be some kind of

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Speaker 5: criteria that you go through and you're like, hey, cool,

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Speaker 5: look at this, we came this far. Can you just

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Speaker 5: tick a box to say I don't need to be

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Speaker 5: reviewed again?

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Speaker 2: Like, I totally understand. There are some places that review

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Speaker 2: makes sense.

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Speaker 5: Yeah, but why in your situation are you in the

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Speaker 5: bucket where you need to be reviewed?

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Speaker 2: And what does that process look like for you? Oh

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Speaker 2: my goodness. It's interesting because I'm on the other side

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Speaker 2: of it, whereas I have the injury, but I also

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Speaker 2: have a not for profit organization that services my community.

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Speaker 2: So I have an exercise physiology based facility that helps

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Speaker 2: people with disabilities physically access exercise and private healthcare. And

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Speaker 2: the amount of report writing and documentation that we have

387
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Speaker 2: to put together for our athletes become them athletes. It's

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Speaker 2: not patients or clients, they are athletes. Big mindset thing

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Speaker 2: does to prove again that exercise is something that improves

390
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Speaker 2: quality of life. The process is just entirely unbearable. It

391
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Speaker 2: is mentally taxing, it's physically taxing for somebody like myself.

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Speaker 2: I mean, when my body was broken, my voice became

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Speaker 2: a thing. So I just get in there and I

394
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Speaker 2: just say, this is what I want, this is what

395
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Speaker 2: I need. But you know, I'm now looking at starting

396
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Speaker 2: a family with my partner, so my needs are going

397
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Speaker 2: to change. I'm not going to be able to do

398
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Speaker 2: the things that I do now when I'm pregnant or

399
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Speaker 2: you know, post pregnancy, So I'm going to require more things,

400
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Speaker 2: modifications to my car and things like that.

401
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Speaker 5: What are some other hidden costs or things that you know,

402
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Speaker 5: people like Beck and I might not have even considered.

403
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Speaker 2: So again I'll talk from my own personal perspective. I'll

404
00:19:47,359 --> 00:19:50,919
Speaker 2: just talk to you about what I require as somebody

405
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Speaker 2: living with an injury. Now I've got what's considered an

406
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Speaker 2: incomplete injury. So if you look at me and then

407
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Speaker 2: you look at five other quadriplegics, we're all going to

408
00:19:57,640 --> 00:19:59,760
Speaker 2: look entirely different and our needs are going to be

409
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Speaker 2: into highly different. So I live independently in a very

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Speaker 2: unaccessible household which I'm about to move, and it's out

411
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Speaker 2: of ten yeah, yah, so excited for that, But that

412
00:20:08,520 --> 00:20:11,440
Speaker 2: in itself has been a tiring process due to accessibility

413
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Speaker 2: and funds. But I have car modifications, so I drive

414
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Speaker 2: a normal car. I don't have what a lot of

415
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Speaker 2: people have. I don't have steering little utensils or whatever

416
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Speaker 2: you want to call them on the steering wheel. I

417
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Speaker 2: actually have a left foot accelerator and that cost money

418
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Speaker 2: to modify, to modify it over correct the test that

419
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Speaker 2: I required to get my license back to be able

420
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Speaker 2: to drive said car. That costs money. And this was

421
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Speaker 2: pre dis I used to have a hoist in the

422
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Speaker 2: back of my car that would lift my chair in

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Speaker 2: and out of my car. That costs money. I got

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Speaker 2: rid of it because it kept breaking down. I can't

425
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Speaker 2: not be bothering me. But again, like when I'm pregnant,

426
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Speaker 2: I'm not going to be able to be lifting my

427
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Speaker 2: car because I'd be more focused on lifting my child.

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Speaker 5: And even just like the idea of getting a child

429
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Speaker 5: in and out of a car like that for me

430
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Speaker 5: really hard. And I don't even have kids, and I'm

431
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Speaker 5: just puddling nieces and nephews out of I can't understand

432
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Speaker 5: car seats. I get stuck with them like you have

433
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Speaker 5: to be up and over the top of them. Like

434
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Speaker 5: that's another level of complicated that I hadn't even considered.

435
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Speaker 2: Absolutely, but looking at that, looking at starting a family,

436
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Speaker 2: so I can't just roll into a baby bunting and

437
00:21:23,240 --> 00:21:25,760
Speaker 2: buy any COT. I'm going to need a modified COT,

438
00:21:25,880 --> 00:21:29,640
Speaker 2: modified car seats, all the things. I can now say

439
00:21:29,680 --> 00:21:32,000
Speaker 2: it proudly that I am one of the lucky ones

440
00:21:32,080 --> 00:21:35,080
Speaker 2: who I don't require access to a lot of the

441
00:21:35,240 --> 00:21:40,680
Speaker 2: modified things. But I'm just one out of four point

442
00:21:40,680 --> 00:21:44,199
Speaker 2: four million in our country, you know, And there's just

443
00:21:44,400 --> 00:21:47,280
Speaker 2: not enough funds out there for us, and that's the problem.

444
00:21:47,400 --> 00:21:50,680
Speaker 5: It blows my mind. Earlier you mentioned that you'd actually

445
00:21:50,760 --> 00:21:54,600
Speaker 5: gone over to the US for some rehab because that

446
00:21:54,720 --> 00:21:57,680
Speaker 5: type of rehab wasn't available in Australia, and I feel

447
00:21:57,680 --> 00:22:00,000
Speaker 5: like that's a relatively let's call it, like an experiment

448
00:22:00,040 --> 00:22:03,679
Speaker 5: into therapy in comparison, what's the cost of that, Like,

449
00:22:03,720 --> 00:22:05,640
Speaker 5: how much does that cost to go to the US?

450
00:22:05,720 --> 00:22:08,399
Speaker 5: Because I already know from a base level that the

451
00:22:08,440 --> 00:22:12,879
Speaker 5: American healthcare system is not very good and is very expensive.

452
00:22:13,280 --> 00:22:16,639
Speaker 5: But then also doing that internationally to me is wild.

453
00:22:16,800 --> 00:22:18,959
Speaker 5: So can you tell me a bit more about that

454
00:22:19,080 --> 00:22:21,040
Speaker 5: experience and what and why and when and how.

455
00:22:21,119 --> 00:22:23,440
Speaker 2: It's funny because I asked Shazza last night. I was like, Mum,

456
00:22:23,440 --> 00:22:26,280
Speaker 2: I need some digits because I was heavily medicated when

457
00:22:26,320 --> 00:22:30,359
Speaker 2: all this went on. I I just remember attending the

458
00:22:30,400 --> 00:22:33,480
Speaker 2: fundraisers and that's the thing, Like we had to fundraise

459
00:22:33,720 --> 00:22:38,040
Speaker 2: for everything, so absolutely everything down to the Komo chair

460
00:22:38,080 --> 00:22:40,960
Speaker 2: that Mum would throw around the backyard. But I think

461
00:22:41,000 --> 00:22:44,800
Speaker 2: their first trip, so we went to an exercise physiology

462
00:22:44,840 --> 00:22:50,280
Speaker 2: based recovery center, but we also needed to have accessible accommodations,

463
00:22:50,320 --> 00:22:53,400
Speaker 2: so we were raising in excess of like sixty thousand

464
00:22:53,440 --> 00:22:56,240
Speaker 2: dollars for a one month trip. I think the first

465
00:22:56,240 --> 00:22:58,280
Speaker 2: time we actually went over to San Diego, we were

466
00:22:58,320 --> 00:23:00,480
Speaker 2: only meant to be there for two weeks, but my

467
00:23:00,880 --> 00:23:03,800
Speaker 2: physical recovery was so great that Mum actually rang my

468
00:23:03,800 --> 00:23:05,600
Speaker 2: step down and said, put my car on the market.

469
00:23:05,760 --> 00:23:07,919
Speaker 2: We need to stay longer. Oh my god. That is

470
00:23:08,040 --> 00:23:13,320
Speaker 2: so yeah cool, But I mean the guilts I'm therapy

471
00:23:13,400 --> 00:23:16,080
Speaker 2: that I've had to pay for since. Sure, But you know,

472
00:23:16,520 --> 00:23:19,159
Speaker 2: then when we got back to Australia, there was the

473
00:23:19,200 --> 00:23:20,919
Speaker 2: whole reason we went over there is because we just

474
00:23:20,920 --> 00:23:23,639
Speaker 2: didn't have access to it fourteen years ago. Now we

475
00:23:23,680 --> 00:23:24,320
Speaker 2: have the next step.

476
00:23:24,760 --> 00:23:26,800
Speaker 5: I was about to say, is this not really like

477
00:23:26,960 --> 00:23:29,720
Speaker 5: motivated you to open your facility.

478
00:23:29,440 --> 00:23:32,800
Speaker 2: Like which again not for profit, had fundraise from the

479
00:23:32,840 --> 00:23:33,840
Speaker 2: ground up to be able, and.

480
00:23:33,760 --> 00:23:36,160
Speaker 5: It's told the next step right, so you can follow

481
00:23:36,200 --> 00:23:39,159
Speaker 5: it on Instagram obviously, But I remember meeting you and

482
00:23:39,200 --> 00:23:40,840
Speaker 5: then going and looking at that and being like, I

483
00:23:40,880 --> 00:23:43,480
Speaker 5: literally have never seen anything like this in Australia as wild.

484
00:23:43,520 --> 00:23:45,120
Speaker 5: I sent it to my mum to be like, look

485
00:23:45,119 --> 00:23:46,280
Speaker 5: at this, how cool is this?

486
00:23:46,560 --> 00:23:48,919
Speaker 2: Like they still don't know how I did it, but

487
00:23:49,240 --> 00:23:52,320
Speaker 2: it honestly it was just based off purpose and passion

488
00:23:52,400 --> 00:23:54,720
Speaker 2: and a need. Like I said when we first met,

489
00:23:54,720 --> 00:23:57,359
Speaker 2: everything I've done, I've done because I needed somebody to

490
00:23:57,440 --> 00:23:59,679
Speaker 2: do these things or to tell me these things fourteen

491
00:23:59,760 --> 00:24:02,200
Speaker 2: years ago. So when we came back from America, we

492
00:24:02,240 --> 00:24:05,360
Speaker 2: actually went over there on three separate occasions. Each time

493
00:24:05,400 --> 00:24:07,480
Speaker 2: we came back, we had to keep fundraising to go back,

494
00:24:07,480 --> 00:24:11,600
Speaker 2: and we were asking our community to fundraise for one person,

495
00:24:12,080 --> 00:24:14,520
Speaker 2: and every time we'd go over to America, we'd meet

496
00:24:14,720 --> 00:24:16,920
Speaker 2: more Aussies that were having to do the same thing,

497
00:24:16,960 --> 00:24:20,600
Speaker 2: which again a bit of bullshit. And the last time

498
00:24:20,640 --> 00:24:22,320
Speaker 2: we went over there. So the third and final time

499
00:24:22,320 --> 00:24:24,640
Speaker 2: we went over there, I ended up in the hospital

500
00:24:24,720 --> 00:24:27,639
Speaker 2: over there, incorrectly diagnosed with MS and put it on

501
00:24:27,680 --> 00:24:31,080
Speaker 2: a prodessolone drips. So, oh my god. I came back

502
00:24:31,080 --> 00:24:33,000
Speaker 2: to Australia and my doctor was like, you don't have MS.

503
00:24:33,040 --> 00:24:35,920
Speaker 2: You've got a spinal cord injury and your body's exhausted.

504
00:24:36,760 --> 00:24:39,480
Speaker 2: But again we had travel insurance, but we had to

505
00:24:39,520 --> 00:24:42,200
Speaker 2: prove that what was happening to my body it had

506
00:24:42,320 --> 00:24:44,800
Speaker 2: happened and it wasn't, you know, because of my injury,

507
00:24:44,840 --> 00:24:48,560
Speaker 2: which it kind of was. But it was just a

508
00:24:48,560 --> 00:24:53,000
Speaker 2: bizarre experience being I've been in the healthcare system in

509
00:24:53,080 --> 00:24:56,480
Speaker 2: Bali that's a whole story within itself, and then the

510
00:24:56,480 --> 00:25:01,199
Speaker 2: hospital system in America. I can though, exclaim that the

511
00:25:01,240 --> 00:25:04,080
Speaker 2: best thing about being in the hospitals in America is

512
00:25:04,119 --> 00:25:07,920
Speaker 2: the paramedics. They are so good looking. I was about

513
00:25:07,960 --> 00:25:09,960
Speaker 2: to say, you're going to tell me they're real hot. Yeah,

514
00:25:10,119 --> 00:25:15,679
Speaker 2: that's so good looking, all right. Australian paramedics are just

515
00:25:15,720 --> 00:25:18,720
Speaker 2: not as there's definitely some hobbies out there, but I

516
00:25:18,800 --> 00:25:22,639
Speaker 2: mean and like their paramedics are also like firemen as well. Okay,

517
00:25:22,680 --> 00:25:26,600
Speaker 2: so I see where you go. Yeah, yeah, yeah, you

518
00:25:26,600 --> 00:25:27,800
Speaker 2: want to set the hospital on fire.

519
00:25:28,000 --> 00:25:31,920
Speaker 5: So they all right, but not really but maybe yeah

520
00:25:32,000 --> 00:25:35,720
Speaker 5: maybe it anyway cost we'll put it out if they're

521
00:25:35,720 --> 00:25:39,000
Speaker 5: not that hot when they come, right, I feel like I.

522
00:25:38,920 --> 00:25:40,679
Speaker 2: Feel like people are going to come for me now. No,

523
00:25:40,720 --> 00:25:42,639
Speaker 2: they're absolutely not. This is so money.

524
00:25:42,760 --> 00:25:45,400
Speaker 5: Like I feel like there's no such thing as an

525
00:25:45,480 --> 00:25:46,800
Speaker 5: off brand.

526
00:25:48,040 --> 00:25:50,920
Speaker 2: Like I feel like you're there's a positive in every

527
00:25:50,960 --> 00:25:54,200
Speaker 2: negative and the positive words of paramedics in the Yeah,

528
00:25:54,240 --> 00:25:57,800
Speaker 2: I'm glad we did so much fundraising and got the

529
00:25:57,880 --> 00:26:01,040
Speaker 2: money's worth, all right, So I reckon, let's look at

530
00:26:01,080 --> 00:26:03,560
Speaker 2: some of the other costs of common diseases in Australia.

531
00:26:03,640 --> 00:26:05,800
Speaker 5: Yeah, I agree, So I think when it comes to

532
00:26:06,000 --> 00:26:07,960
Speaker 5: not being the most common, but one of the more

533
00:26:08,119 --> 00:26:12,680
Speaker 5: commonly talked about diseases in Australia is breast cancer. So,

534
00:26:12,720 --> 00:26:16,800
Speaker 5: breast cancer is the most common cancer among Australian women

535
00:26:17,280 --> 00:26:20,120
Speaker 5: and there is a one in eight chance to develop

536
00:26:20,200 --> 00:26:22,600
Speaker 5: it by the time you are eighty five years old,

537
00:26:22,720 --> 00:26:26,280
Speaker 5: and seventy percent of breast cancer is detected in women

538
00:26:26,320 --> 00:26:29,920
Speaker 5: between the ages of forty and sixty nine years and

539
00:26:30,119 --> 00:26:33,320
Speaker 5: the average lifetime cost of breast cancer, which I'm going

540
00:26:33,400 --> 00:26:36,960
Speaker 5: to argue because I like arguing basically everything, like it's

541
00:26:37,040 --> 00:26:39,080
Speaker 5: just who I am as a human being. But the

542
00:26:39,200 --> 00:26:42,480
Speaker 5: average lifetime cost, according to the Zero Cost of Care Report,

543
00:26:42,480 --> 00:26:45,840
Speaker 5: which means it is actually legitimate, is thirty six and

544
00:26:45,960 --> 00:26:49,040
Speaker 5: forty dollars, which is a whole bunch of money just

545
00:26:49,080 --> 00:26:52,119
Speaker 5: to get breast cancer. Obviously, if you are insured, a

546
00:26:52,160 --> 00:26:54,639
Speaker 5: lot of this is going to be covered. But having

547
00:26:55,080 --> 00:26:58,680
Speaker 5: gone through life and known a number of women who

548
00:26:58,680 --> 00:27:02,399
Speaker 5: have gone through this, again, it's really from my perspective,

549
00:27:02,440 --> 00:27:04,119
Speaker 5: not about the direct cost, Like that's how much is

550
00:27:04,160 --> 00:27:06,840
Speaker 5: going to cost for your medical treatment to come out

551
00:27:06,840 --> 00:27:09,959
Speaker 5: the other side and hopefully be told you don't have

552
00:27:10,000 --> 00:27:11,800
Speaker 5: any breast cancer in your body at all and you

553
00:27:11,840 --> 00:27:13,920
Speaker 5: are all good to go home. That doesn't take into

554
00:27:13,960 --> 00:27:17,960
Speaker 5: consideration the therapy. That doesn't take into consideration the cost

555
00:27:18,119 --> 00:27:21,760
Speaker 5: of income that you would experience while you know going

556
00:27:21,800 --> 00:27:25,280
Speaker 5: through treatment, the cost to your partner and your cares

557
00:27:25,320 --> 00:27:27,800
Speaker 5: and the people that surround you. What about the cost

558
00:27:27,840 --> 00:27:30,320
Speaker 5: to your children, Like I remember growing up, one of

559
00:27:30,320 --> 00:27:33,399
Speaker 5: my mum's best friends passed away from breast cancer, and

560
00:27:33,440 --> 00:27:35,560
Speaker 5: she was like one of the best human beings in

561
00:27:35,600 --> 00:27:39,000
Speaker 5: the entire world, like it always happens to the good ones, right,

562
00:27:39,520 --> 00:27:42,360
Speaker 5: and she had two young kids, and you know it

563
00:27:42,440 --> 00:27:44,920
Speaker 5: was the biggest let's just call it a shit show

564
00:27:45,119 --> 00:27:47,520
Speaker 5: in the entire world because she was married, and then

565
00:27:47,840 --> 00:27:51,040
Speaker 5: the well marriage complications obviously, because not all manner as

566
00:27:51,040 --> 00:27:53,080
Speaker 5: good as they should be when it comes to things

567
00:27:53,119 --> 00:27:56,680
Speaker 5: like this. But then it just it really stretched out

568
00:27:56,680 --> 00:27:59,320
Speaker 5: and you just go the cost to her in general.

569
00:27:59,480 --> 00:28:02,000
Speaker 5: Wasn't just the six thousand dollars. She ended up losing

570
00:28:02,080 --> 00:28:05,600
Speaker 5: her life from this, which is obviously massive. Two kids

571
00:28:05,640 --> 00:28:08,560
Speaker 5: lost a parent, But then I guess stretching that out again,

572
00:28:09,200 --> 00:28:11,679
Speaker 5: like what if she had survived. Two kids have this

573
00:28:11,800 --> 00:28:14,320
Speaker 5: experience of growing up with a sick mum who wasn't

574
00:28:14,359 --> 00:28:16,959
Speaker 5: as present and you know, does absolutely everything that they

575
00:28:17,000 --> 00:28:21,280
Speaker 5: possibly can. But it's just these costs can't, from my perspective,

576
00:28:21,359 --> 00:28:24,800
Speaker 5: be quantified, Like and I feel like talking about this

577
00:28:24,880 --> 00:28:27,880
Speaker 5: cost of care document so helpful. It is literally the

578
00:28:27,920 --> 00:28:30,800
Speaker 5: first document that we have in Australia that tells us

579
00:28:30,840 --> 00:28:34,280
Speaker 5: the lifetime costs of diseases and illnesses, But I just

580
00:28:34,400 --> 00:28:37,040
Speaker 5: really don't think it quantifies it. And when you start

581
00:28:37,040 --> 00:28:39,120
Speaker 5: putting things down on a white paper. You're like, yeah,

582
00:28:39,200 --> 00:28:41,760
Speaker 5: like that's what we could measure. At the end of

583
00:28:41,800 --> 00:28:45,480
Speaker 5: the day, that's what we could measure. Melanoma is something

584
00:28:45,560 --> 00:28:48,080
Speaker 5: that as a community we talk about a lot, and

585
00:28:48,160 --> 00:28:52,280
Speaker 5: Australia has the second highest prevalence of melanoma in the

586
00:28:52,400 --> 00:28:56,800
Speaker 5: entire world. The average lifetime cost for cancer sufferers aged

587
00:28:56,880 --> 00:29:00,640
Speaker 5: over fifteen years can range from twenty thousand, three hundred

588
00:29:00,640 --> 00:29:03,840
Speaker 5: and sixty dollars for having melanoma. But as we all know,

589
00:29:04,640 --> 00:29:05,480
Speaker 5: it costs.

590
00:29:05,200 --> 00:29:07,800
Speaker 2: So much money to have body mapping done and a

591
00:29:07,880 --> 00:29:08,800
Speaker 2: moult shake.

592
00:29:08,920 --> 00:29:11,240
Speaker 5: Right, and that's just not even having it, that's.

593
00:29:11,040 --> 00:29:14,000
Speaker 2: Just checking if you might at risk. Like I've just

594
00:29:14,080 --> 00:29:16,000
Speaker 2: made an appointment to go and have mole mapping done

595
00:29:16,000 --> 00:29:17,800
Speaker 2: and to have things checked, and it's going to cost

596
00:29:17,800 --> 00:29:19,480
Speaker 2: me about five hundred dollars.

597
00:29:19,560 --> 00:29:21,520
Speaker 5: Yes, I got one down a couple of years ago

598
00:29:21,520 --> 00:29:22,800
Speaker 5: and I think it was like five hundred and.

599
00:29:22,800 --> 00:29:25,920
Speaker 2: So dollarvent these things if we can't easily access them

600
00:29:25,960 --> 00:29:28,760
Speaker 2: because of funds exactly, it blows my mind.

601
00:29:28,840 --> 00:29:32,080
Speaker 5: Right. And then mental health is something that is so

602
00:29:32,200 --> 00:29:35,840
Speaker 5: important to us but also is massive in our community.

603
00:29:36,240 --> 00:29:39,560
Speaker 5: Almost half of the total population, so forty five point

604
00:29:39,640 --> 00:29:42,920
Speaker 5: five percent of people experience a mental health condition at

605
00:29:42,960 --> 00:29:46,560
Speaker 5: some point in their lifetime. Mental health conditions can include

606
00:29:46,560 --> 00:29:51,320
Speaker 5: effective disorders, so things like depression, bipolar, schizophrenia, anxiety disorders

607
00:29:51,480 --> 00:29:55,080
Speaker 5: like panic attacks and stress disorders, and substance abuse disorders

608
00:29:55,080 --> 00:29:58,760
Speaker 5: so alcohol and drug dependencies. The cost for depression on

609
00:29:58,920 --> 00:30:02,840
Speaker 5: average is seventeen on one hundred and ninety dollars per individual.

610
00:30:02,960 --> 00:30:05,560
Speaker 2: Well, just doesn't seem high enough. And some people have

611
00:30:06,120 --> 00:30:07,520
Speaker 2: one or two of these things.

612
00:30:07,680 --> 00:30:11,680
Speaker 5: Yeah, yeah, absolutely, yeah, absolutely, Like it's not something that

613
00:30:11,760 --> 00:30:15,680
Speaker 5: just exists in isolation. Most of the time, individuals will

614
00:30:15,680 --> 00:30:19,720
Speaker 5: spend an average estimated cost of thirteen thousand and fifty

615
00:30:19,800 --> 00:30:23,280
Speaker 5: dollars per year out of pocket for mental health conditions,

616
00:30:23,320 --> 00:30:27,400
Speaker 5: with medications accounting for one third of that cost. I

617
00:30:27,400 --> 00:30:31,240
Speaker 5: feel like I spend more than that. I absolutely, just

618
00:30:31,280 --> 00:30:33,440
Speaker 5: on my mental health. Like, I definitely spend more than that,

619
00:30:33,480 --> 00:30:36,040
Speaker 5: Like I've calculated it. I take an anti anxiety and

620
00:30:36,080 --> 00:30:39,160
Speaker 5: a depression medication and they equate to maybe, like I

621
00:30:39,160 --> 00:30:42,240
Speaker 5: think fifty two or so, depending on the keevest. I

622
00:30:42,280 --> 00:30:45,000
Speaker 5: go to dollars a month, and that's fine. I feel

623
00:30:45,000 --> 00:30:46,640
Speaker 5: like I can deal with that cost. But that's a

624
00:30:46,680 --> 00:30:49,320
Speaker 5: lot of money. But then on top of that I

625
00:30:49,360 --> 00:30:51,760
Speaker 5: take a whole heap of natural supplements to try and like,

626
00:30:51,840 --> 00:30:54,320
Speaker 5: you know, boost my mood in general, because I just

627
00:30:54,400 --> 00:30:57,760
Speaker 5: don't like the idea of being medicated. I then also

628
00:30:57,880 --> 00:31:00,400
Speaker 5: am diagnosed with ADHD I have.

629
00:31:00,720 --> 00:31:03,240
Speaker 2: Yeah, it's probably why we get on. I know. It's

630
00:31:03,240 --> 00:31:07,479
Speaker 2: like we met in OEE each other. It's like, oh

631
00:31:07,520 --> 00:31:09,080
Speaker 2: my god, you go a million miles an hour? Two

632
00:31:09,080 --> 00:31:10,040
Speaker 2: do you want to get coffee? Cool?

633
00:31:10,080 --> 00:31:10,280
Speaker 5: Cool?

634
00:31:10,320 --> 00:31:13,960
Speaker 2: Cool? Like next minute we're setting like double chin selfies

635
00:31:14,000 --> 00:31:16,520
Speaker 2: to each other. I'm like, look at my ten on

636
00:31:16,720 --> 00:31:20,520
Speaker 2: my neck. It's done. Nice. You just get me. Sorry.

637
00:31:20,760 --> 00:31:24,680
Speaker 5: But I feel like that the medication is actually not

638
00:31:24,720 --> 00:31:28,160
Speaker 5: that expensive. I think the medication, yeah.

639
00:31:28,040 --> 00:31:31,440
Speaker 2: I was about diet. The medication real cheap.

640
00:31:31,720 --> 00:31:34,160
Speaker 5: It's about I think it's like seventeen dollars a month

641
00:31:34,240 --> 00:31:37,120
Speaker 5: or something, real good money win. But also for me

642
00:31:37,240 --> 00:31:39,680
Speaker 5: to get that medication, I have to go to a GP.

643
00:31:39,840 --> 00:31:41,600
Speaker 5: I have to have a mental health care plan. I

644
00:31:41,640 --> 00:31:46,600
Speaker 5: then get referred through to a hiatrest because a psychologist

645
00:31:46,680 --> 00:31:49,479
Speaker 5: is not good enough. They can't prescribe medications. You need

646
00:31:49,520 --> 00:31:52,520
Speaker 5: to see a psychiatrist. I'm very fortunate that I got

647
00:31:52,560 --> 00:31:54,800
Speaker 5: diagnosed at about the age I think I was like

648
00:31:54,880 --> 00:31:57,280
Speaker 5: seventeen or eighteen when I got diagnosed, so it was

649
00:31:57,320 --> 00:32:00,280
Speaker 5: before the rise of people really understanding it as much. Sure,

650
00:32:00,280 --> 00:32:02,640
Speaker 5: there wasn't as much prevalence of it, so getting into

651
00:32:02,680 --> 00:32:04,920
Speaker 5: a psychiatrist wasn't as much of an issue as it

652
00:32:05,000 --> 00:32:09,680
Speaker 5: is today for most people. But my psychiatrists appointments are

653
00:32:09,720 --> 00:32:13,120
Speaker 5: probably four hundred and fifty dollars per appointment, and a

654
00:32:13,160 --> 00:32:14,720
Speaker 5: lot of that is out of pocket. So I think

655
00:32:14,760 --> 00:32:17,040
Speaker 5: I'm like maybe two hundred and eighty dollars out of

656
00:32:17,040 --> 00:32:18,680
Speaker 5: pocket for every appointment that I go to.

657
00:32:18,960 --> 00:32:22,000
Speaker 2: Wow, prior to that, because.

658
00:32:21,520 --> 00:32:23,920
Speaker 5: I was young and you know, it took a really

659
00:32:24,000 --> 00:32:26,080
Speaker 5: long time to diagnose me. They could not work out

660
00:32:26,080 --> 00:32:28,600
Speaker 5: what was wrong with me because I was a female,

661
00:32:28,680 --> 00:32:32,160
Speaker 5: so obviously females historically, yeah, they don't get it. So

662
00:32:32,200 --> 00:32:36,000
Speaker 5: I was seeing a pediatric neurologist before that, which was

663
00:32:36,040 --> 00:32:37,760
Speaker 5: I think it was like five hundred and fifty dollars

664
00:32:37,800 --> 00:32:41,120
Speaker 5: a session, and my parents were paying for that. All

665
00:32:41,160 --> 00:32:44,360
Speaker 5: of that is wild, and that's just to be diagnosed.

666
00:32:44,360 --> 00:32:46,600
Speaker 5: And guess what, I don't even like taking the medication,

667
00:32:46,720 --> 00:32:48,800
Speaker 5: so I take a whole heap of supplements to make

668
00:32:48,840 --> 00:32:50,960
Speaker 5: sure that I can be the best version of me.

669
00:32:51,120 --> 00:32:54,760
Speaker 5: And those supplements are so wildly expensive, like and obviously

670
00:32:54,760 --> 00:32:57,080
Speaker 5: they're experimental and they're not going to work for everybody.

671
00:32:57,080 --> 00:32:58,800
Speaker 5: And I'll talk about it on my Instagram at some

672
00:32:58,880 --> 00:33:00,920
Speaker 5: point because you know, I'm taking a whole heap of

673
00:33:00,960 --> 00:33:04,360
Speaker 5: stuff that I genuinely believe works, but I'm probably spending

674
00:33:04,720 --> 00:33:06,440
Speaker 5: and I'm very privileged to be able to do this

675
00:33:06,760 --> 00:33:08,600
Speaker 5: three hundred and fifty or four hundred dollars a month

676
00:33:08,640 --> 00:33:12,800
Speaker 5: on something Wow, yeah, easily easily, And that's after researching

677
00:33:12,840 --> 00:33:15,920
Speaker 5: you know, what actually works, what helps. Like, so I'm on,

678
00:33:16,000 --> 00:33:18,800
Speaker 5: like a supplement called tyrazine. I'm on, you know, I

679
00:33:18,840 --> 00:33:20,000
Speaker 5: take lions Maine.

680
00:33:19,760 --> 00:33:27,000
Speaker 2: Which is I just prescribed to my partner this morning.

681
00:33:27,360 --> 00:33:28,200
Speaker 2: Describe for that.

682
00:33:29,160 --> 00:33:32,440
Speaker 5: To natural supplements, the mushroom. It's got none of the illicit.

683
00:33:32,160 --> 00:33:37,040
Speaker 2: Stuff magic one though, I do say it is magic

684
00:33:37,120 --> 00:33:38,640
Speaker 2: for us. Absolutely.

685
00:33:39,040 --> 00:33:41,040
Speaker 5: I think it's really important to talk about these things

686
00:33:41,120 --> 00:33:45,440
Speaker 5: because the cost of money, right, and it's so expensive,

687
00:33:45,600 --> 00:33:49,880
Speaker 5: and that's just my very privileged experience of the healthcare

688
00:33:49,920 --> 00:33:51,640
Speaker 5: system and being able to afford it.

689
00:33:52,000 --> 00:33:52,800
Speaker 2: Like, if you.

690
00:33:52,920 --> 00:33:56,560
Speaker 5: Are in a lower income household and you are diagnosed

691
00:33:56,600 --> 00:33:59,720
Speaker 5: with ADHD, you might go Okay, cool, Well, the medications

692
00:33:59,760 --> 00:34:02,760
Speaker 5: not expensive, but goddamn the process to get there is

693
00:34:02,800 --> 00:34:07,440
Speaker 5: insane and prohibitive and expensive and time consuming, and it's

694
00:34:07,520 --> 00:34:09,040
Speaker 5: just to me, it's absolutely life.

695
00:34:09,120 --> 00:34:10,400
Speaker 2: That's why a lot of people put it in the

696
00:34:10,400 --> 00:34:13,160
Speaker 2: two heart basket. That's why a lot of people walk

697
00:34:13,160 --> 00:34:16,800
Speaker 2: and roll and running around undiagnosed and just not having

698
00:34:16,840 --> 00:34:18,920
Speaker 2: that easy access to the things they require for their

699
00:34:18,960 --> 00:34:20,000
Speaker 2: quality of life.

700
00:34:19,800 --> 00:34:22,880
Speaker 5: Exactly, which leads into my next stat that says fewer

701
00:34:22,920 --> 00:34:25,840
Speaker 5: than two in five, so thirty five percent of people

702
00:34:25,880 --> 00:34:29,920
Speaker 5: with anxiety or depression sake treatment. And I would say

703
00:34:30,000 --> 00:34:36,279
Speaker 5: that that really leans into accessibility. And while it's quote accessible,

704
00:34:36,360 --> 00:34:39,960
Speaker 5: it's accessible if you have the money to excess it, right,

705
00:34:40,120 --> 00:34:44,480
Speaker 5: excess excess whatever. And then individuals with mental health conditions

706
00:34:44,640 --> 00:34:47,919
Speaker 5: lost an average of thirty eight working days per year.

707
00:34:48,280 --> 00:34:49,120
Speaker 2: That's a lot of days.

708
00:34:49,160 --> 00:34:52,040
Speaker 5: Given most employment contracts in Australia, if you have a

709
00:34:52,040 --> 00:34:54,600
Speaker 5: thirty eight hour working week and you're full time employed,

710
00:34:54,640 --> 00:34:58,080
Speaker 5: you get ten. So you're usually in a situation where

711
00:34:58,080 --> 00:35:02,200
Speaker 5: you're probably taking twenty eight days of unpaid leave because

712
00:35:02,200 --> 00:35:04,720
Speaker 5: your employer is not going to just fund your health condition,

713
00:35:04,800 --> 00:35:08,239
Speaker 5: and God for beard, that's not their responsibility. But that's

714
00:35:08,280 --> 00:35:10,640
Speaker 5: twenty eight days. Extrapolate that out. That's more than a

715
00:35:10,680 --> 00:35:13,000
Speaker 5: month of unpaid leave you have to take because of

716
00:35:13,000 --> 00:35:15,960
Speaker 5: mental health. And I feel like we need to. I

717
00:35:16,000 --> 00:35:18,879
Speaker 5: always like to contextualize things because you just saying thirty

718
00:35:18,880 --> 00:35:20,920
Speaker 5: eight working days are moving on just doesn't hits an

719
00:35:20,920 --> 00:35:23,800
Speaker 5: hour on the head, right, Like thirty eight working days,

720
00:35:24,080 --> 00:35:26,240
Speaker 5: you don't even do that amount of days in a month.

721
00:35:26,400 --> 00:35:27,919
Speaker 2: Like that's more than a month.

722
00:35:27,960 --> 00:35:31,000
Speaker 5: It's closer to two months worth of work that you're

723
00:35:31,000 --> 00:35:34,000
Speaker 5: missing out on each and every single year because of

724
00:35:34,040 --> 00:35:37,560
Speaker 5: mental health and not being able to access the right resources.

725
00:35:37,920 --> 00:35:41,080
Speaker 5: And like we know, as people sitting at this table,

726
00:35:41,280 --> 00:35:45,040
Speaker 5: who all have talked about their mental health openly and honestly,

727
00:35:45,520 --> 00:35:48,160
Speaker 5: we know that that costs money. And we also know

728
00:35:48,239 --> 00:35:51,360
Speaker 5: that with access to the right resources we can be okay.

729
00:35:51,719 --> 00:35:54,399
Speaker 5: But not everyone has that privilege, no all.

730
00:35:54,360 --> 00:35:56,680
Speaker 2: That knowledge as well, because I mean a lot of

731
00:35:56,680 --> 00:36:01,200
Speaker 2: these things, including disability, still remain quite so. You know,

732
00:36:01,440 --> 00:36:03,480
Speaker 2: I know you've heard me say before, Victoria, but you

733
00:36:03,560 --> 00:36:05,480
Speaker 2: just don't know what you don't know. And that's why

734
00:36:05,719 --> 00:36:08,520
Speaker 2: these kind of communities like She's on the Money exist

735
00:36:08,560 --> 00:36:11,560
Speaker 2: to provide the education that we need to have. If

736
00:36:11,560 --> 00:36:14,320
Speaker 2: we can't have financial access, at least we have access

737
00:36:14,360 --> 00:36:17,319
Speaker 2: to the knowledge one hundred percent and the line's mate

738
00:36:17,400 --> 00:36:18,840
Speaker 2: and the line's made one hundred percent.

739
00:36:19,200 --> 00:36:22,360
Speaker 5: Do you know what I'm going to do if someone

740
00:36:22,360 --> 00:36:25,240
Speaker 5: could sponsor me. We're going to talk offline about this, honestly,

741
00:36:25,520 --> 00:36:28,400
Speaker 5: because I have theories about the different types of lines

742
00:36:28,440 --> 00:36:30,359
Speaker 5: Maine that you can buy and whether some are good

743
00:36:30,360 --> 00:36:31,040
Speaker 5: and some are bad.

744
00:36:31,120 --> 00:36:32,719
Speaker 2: Like I have a lot of it. Generally the ones

745
00:36:32,760 --> 00:36:34,560
Speaker 2: that are the most expensive, they're the good ones.

746
00:36:34,640 --> 00:36:38,120
Speaker 5: It's unfortunately, unfortunately, my last bottle of lines Main cost

747
00:36:38,160 --> 00:36:39,680
Speaker 5: like one hundred and sixty dollars.

748
00:36:39,960 --> 00:36:41,000
Speaker 2: Straight from Byron Bay.

749
00:36:41,200 --> 00:36:44,759
Speaker 5: It was we were on the same all right, let's

750
00:36:44,760 --> 00:36:46,400
Speaker 5: go to a really quick break Forrehanna and I are

751
00:36:46,400 --> 00:36:48,239
Speaker 5: going to talk about lines Main, and when we come back,

752
00:36:48,280 --> 00:36:51,040
Speaker 5: we are going to talk about the impact of insurance

753
00:36:51,040 --> 00:36:54,000
Speaker 5: on your attitude, your quality of life, and how to

754
00:36:54,040 --> 00:36:57,359
Speaker 5: move on from experiencing an injury or an illness. Don't

755
00:36:57,360 --> 00:36:58,520
Speaker 5: go anywhere, guys.

756
00:37:03,080 --> 00:37:03,759
Speaker 2: Welcome back.

757
00:37:03,840 --> 00:37:05,839
Speaker 4: We are talking about the cost of care on She's

758
00:37:05,880 --> 00:37:08,360
Speaker 4: on the money today and we have a motivational speaker,

759
00:37:08,560 --> 00:37:11,839
Speaker 4: wellness advocate and model Rihanna and Tracy with us, who

760
00:37:11,880 --> 00:37:16,680
Speaker 4: has navigated life after a spinal injury made her a quadriplegic.

761
00:37:17,000 --> 00:37:19,759
Speaker 4: All right, Rihanna, And this is the sexy part of

762
00:37:19,800 --> 00:37:22,640
Speaker 4: the episode. It's where we get to talk about insurance.

763
00:37:23,400 --> 00:37:27,280
Speaker 4: I want to know, from your perspective, how has your

764
00:37:27,480 --> 00:37:30,880
Speaker 4: experience impacted your attitudes towards insurance.

765
00:37:31,160 --> 00:37:32,080
Speaker 2: Oh do you know what?

766
00:37:32,239 --> 00:37:34,960
Speaker 5: I You're like, I can't even be bothered.

767
00:37:35,000 --> 00:37:36,960
Speaker 2: Don't even think about it, yolo. I don't get off

768
00:37:37,000 --> 00:37:38,880
Speaker 2: on insurance like you do. But the insurance is the

769
00:37:39,000 --> 00:37:41,200
Speaker 2: reason why I'm here telling my story, isn't it? Because

770
00:37:41,200 --> 00:37:44,759
Speaker 2: without insurance I would not be alive. I didn't have

771
00:37:44,800 --> 00:37:46,600
Speaker 2: a mum who told me that you had to descale

772
00:37:46,640 --> 00:37:48,840
Speaker 2: a kettle, but I definitely had my mother telling me

773
00:37:48,920 --> 00:37:52,200
Speaker 2: to scale a kettle. Oh my god, Oh what's that

774
00:37:52,320 --> 00:37:55,680
Speaker 2: even mean? You put the lemon and the bike up

775
00:37:55,719 --> 00:37:58,080
Speaker 2: in the vinegar in your kettle to de scale your kettle?

776
00:37:58,400 --> 00:38:00,320
Speaker 2: Oh no, I haven't done that. Oh my god.

777
00:38:00,480 --> 00:38:03,719
Speaker 5: Okay, Well, calcium build up, our producer. Just so what

778
00:38:03,800 --> 00:38:06,160
Speaker 5: calcium build up is. If I'm meant to know that

779
00:38:06,160 --> 00:38:09,800
Speaker 5: that's a thing, I'm going to buy another kettle.

780
00:38:09,880 --> 00:38:13,000
Speaker 2: Don't worry anyway, back to insurance, because it's sexy. It

781
00:38:13,080 --> 00:38:17,200
Speaker 2: is sexy. I had a mum who instilled insurances. I

782
00:38:17,239 --> 00:38:20,560
Speaker 2: had insurance for I mean, we hate the words, but

783
00:38:20,680 --> 00:38:24,080
Speaker 2: credit card. I had a credit card, I had income protection,

784
00:38:24,200 --> 00:38:28,239
Speaker 2: credit card protection, travel insurance, health insurance. My dog has

785
00:38:28,320 --> 00:38:31,360
Speaker 2: pet insurance. Like I have all the insurances. But that

786
00:38:31,560 --> 00:38:34,360
Speaker 2: is because yes, I had it is keep talking to

787
00:38:34,400 --> 00:38:38,840
Speaker 2: me speaking her language. I had a mum who instilled that. Yes,

788
00:38:38,960 --> 00:38:41,839
Speaker 2: but because of the fact that I know what life

789
00:38:41,880 --> 00:38:44,440
Speaker 2: would have been like post having my injury and the

790
00:38:44,520 --> 00:38:48,560
Speaker 2: effect that it would have had on my family if

791
00:38:48,600 --> 00:38:51,400
Speaker 2: I didn't have those things, I now know how important

792
00:38:51,440 --> 00:38:54,520
Speaker 2: it is. So again, this is something that it shouldn't be.

793
00:38:54,920 --> 00:38:56,799
Speaker 2: You know, you don't know what you don't know. Let's

794
00:38:56,840 --> 00:38:58,920
Speaker 2: all know this insurance is pivotal.

795
00:38:59,160 --> 00:39:02,640
Speaker 5: Yeah, when you say you had all the insurances, did

796
00:39:02,640 --> 00:39:04,919
Speaker 5: you go and see a financial advisor or were these

797
00:39:05,000 --> 00:39:07,960
Speaker 5: just like incidental insurances that you collected because you've got

798
00:39:07,960 --> 00:39:09,840
Speaker 5: a credit card and it kind of came with bonus

799
00:39:09,920 --> 00:39:13,080
Speaker 5: insurance Like you mentioned one of my favorite types of insurance,

800
00:39:13,080 --> 00:39:14,240
Speaker 5: which is income protection.

801
00:39:14,840 --> 00:39:17,920
Speaker 2: How did that benefit you? Income protection benefit me because

802
00:39:17,920 --> 00:39:20,720
Speaker 2: it actually paid the gap between my disability support pension

803
00:39:20,719 --> 00:39:23,239
Speaker 2: and my wage for how long? Really good? Until I

804
00:39:23,280 --> 00:39:24,240
Speaker 2: was able to work again?

805
00:39:24,360 --> 00:39:24,560
Speaker 1: Oh?

806
00:39:24,840 --> 00:39:26,600
Speaker 2: Very cool. Yeah, that's awesome.

807
00:39:26,600 --> 00:39:28,239
Speaker 5: Do you know how often it is that I talk

808
00:39:28,320 --> 00:39:31,959
Speaker 5: to somebody who has experienced an injury and they're like, oh, yeah,

809
00:39:32,080 --> 00:39:33,840
Speaker 5: it was the worst I didn't have.

810
00:39:33,960 --> 00:39:37,120
Speaker 2: But in saying that protection saying that bearing in mind

811
00:39:37,280 --> 00:39:40,399
Speaker 2: that if I continued to work every year, I may

812
00:39:40,480 --> 00:39:42,439
Speaker 2: or may not have been entitled to a pay rise,

813
00:39:42,560 --> 00:39:45,480
Speaker 2: My income protection remains the same no matter how old

814
00:39:45,520 --> 00:39:49,440
Speaker 2: I was. Hence why she works. But you know it

815
00:39:49,600 --> 00:39:54,080
Speaker 2: was it was there to provide me with the means

816
00:39:54,080 --> 00:39:57,239
Speaker 2: to an end. I love that. I couldn't love that more.

817
00:39:57,400 --> 00:39:59,400
Speaker 5: When it comes to income protection, though, I think a

818
00:39:59,400 --> 00:40:02,319
Speaker 5: lot of people, oh my gosh, that's like a free ride, right,

819
00:40:02,400 --> 00:40:05,040
Speaker 5: you get your income for the rest of your life.

820
00:40:05,239 --> 00:40:05,640
Speaker 2: You're right.

821
00:40:05,719 --> 00:40:08,520
Speaker 5: It doesn't increase, it doesn't go up in line with CPI,

822
00:40:08,719 --> 00:40:11,759
Speaker 5: and it's actually in Australia it could be up to

823
00:40:11,800 --> 00:40:14,800
Speaker 5: eighty percent, but more commonly it's only seventy five percent

824
00:40:14,960 --> 00:40:18,160
Speaker 5: of your regular income. If you could prove it so

825
00:40:18,239 --> 00:40:22,359
Speaker 5: your actual taxable income each and every single year. On

826
00:40:22,440 --> 00:40:25,200
Speaker 5: top of that, that income protection is taxed. It's not

827
00:40:25,239 --> 00:40:27,720
Speaker 5: an insurance payout that you don't have to pay tax

828
00:40:27,760 --> 00:40:29,880
Speaker 5: on because it's actually seen as an income and a

829
00:40:29,920 --> 00:40:32,160
Speaker 5: couple of weeks ago, I think last week actually, Beck,

830
00:40:32,160 --> 00:40:34,640
Speaker 5: you and I talked about tax and how it works.

831
00:40:34,760 --> 00:40:37,520
Speaker 5: You literally pay tax on your income protection. So it's

832
00:40:37,560 --> 00:40:40,160
Speaker 5: not nearly and I'm sure you can probably attest to this.

833
00:40:40,360 --> 00:40:43,040
Speaker 5: It's not nearly as sexy as you think it is.

834
00:40:43,280 --> 00:40:45,520
Speaker 5: But it is literally a means to an end, to

835
00:40:45,600 --> 00:40:47,919
Speaker 5: mean that you maybe don't have to sell as many things,

836
00:40:48,000 --> 00:40:49,359
Speaker 5: or you don't have to move back in with your

837
00:40:49,360 --> 00:40:53,960
Speaker 5: parents should the worst happen. What other insurances kind of

838
00:40:54,000 --> 00:40:56,640
Speaker 5: propped you up during that time? Or did the fact

839
00:40:56,640 --> 00:40:59,440
Speaker 5: that your injury happened overseas impact the fact that you

840
00:40:59,480 --> 00:41:03,880
Speaker 5: could claim on any of these No, so, wow, she

841
00:41:04,040 --> 00:41:04,960
Speaker 5: was nicely insured.

842
00:41:05,800 --> 00:41:09,160
Speaker 2: I was nicely insured. I mean the travel insurance paid

843
00:41:09,200 --> 00:41:10,400
Speaker 2: for the two and a half weeks that I was

844
00:41:10,400 --> 00:41:12,440
Speaker 2: in the hospital in Bali. And let me tell you,

845
00:41:12,480 --> 00:41:15,440
Speaker 2: the medical team in Bali absolutely milked that because I

846
00:41:15,480 --> 00:41:20,000
Speaker 2: should have been brought home much another moment was but

847
00:41:20,280 --> 00:41:23,160
Speaker 2: also by the time I was brought home, I was

848
00:41:23,200 --> 00:41:27,719
Speaker 2: brought home on an emergency air that's so that was

849
00:41:27,840 --> 00:41:30,880
Speaker 2: hundreds of thousands of dollars, So I mean, yes, it

850
00:41:30,880 --> 00:41:33,760
Speaker 2: did have a great impact in that. But then moving forward,

851
00:41:34,200 --> 00:41:36,960
Speaker 2: I did have private health insurance, so I mean that

852
00:41:37,040 --> 00:41:39,200
Speaker 2: put me in a private room as opposed to being

853
00:41:39,280 --> 00:41:43,000
Speaker 2: in a communal room. But I had total permanent disability

854
00:41:43,239 --> 00:41:47,640
Speaker 2: as well, which was a I mean, we've gone through

855
00:41:47,640 --> 00:41:50,279
Speaker 2: some of the figures associated with having this injury, so

856
00:41:50,400 --> 00:41:54,680
Speaker 2: that payout within itself paid for the incidentals that I

857
00:41:54,760 --> 00:41:59,279
Speaker 2: needed in life, like the catheters, and you know, those

858
00:41:59,280 --> 00:42:02,880
Speaker 2: little bits and pauses that people just aren't aware of exactly.

859
00:42:03,000 --> 00:42:06,000
Speaker 5: And I guess until having a deep conversation with someone

860
00:42:06,040 --> 00:42:08,719
Speaker 5: who's experienced this, you don't know the semantics around their

861
00:42:08,760 --> 00:42:11,239
Speaker 5: situation because, as you said before, we could talk to

862
00:42:11,320 --> 00:42:15,240
Speaker 5: five or even ten quadriplegics, and their circumstances are different.

863
00:42:15,480 --> 00:42:18,359
Speaker 5: And I think, as somebody who's never experienced this, and

864
00:42:18,680 --> 00:42:21,479
Speaker 5: you know, let's pretend I've never even met anybody who's

865
00:42:21,480 --> 00:42:23,880
Speaker 5: a quadriplegic before, you might just assume that it's a

866
00:42:23,880 --> 00:42:27,000
Speaker 5: blanket term. That means that if you have quadriplegia, you're

867
00:42:27,080 --> 00:42:29,400
Speaker 5: exactly the same as everybody else in that circumstance, and

868
00:42:29,440 --> 00:42:31,480
Speaker 5: it just couldn't be more wrong.

869
00:42:31,920 --> 00:42:33,239
Speaker 2: And I think it's also just.

870
00:42:33,200 --> 00:42:35,040
Speaker 5: So interesting you going, all right, well, it cost me

871
00:42:35,040 --> 00:42:38,160
Speaker 5: a dollars sixty five to p Like, to me, that's

872
00:42:38,239 --> 00:42:41,160
Speaker 5: really messed up that that's the case. But it's also

873
00:42:41,640 --> 00:42:45,239
Speaker 5: so insightful to go, Okay, this is why we need

874
00:42:45,280 --> 00:42:48,560
Speaker 5: better funding, because that stuff adds up eighty six thousand

875
00:42:48,560 --> 00:42:50,840
Speaker 5: dollars a year to do what I take for granted,

876
00:42:51,440 --> 00:42:55,160
Speaker 5: like that is from my perspective, wildly unfair, because that's

877
00:42:55,200 --> 00:42:59,560
Speaker 5: actually even higher than the median income here in Australia.

878
00:42:59,760 --> 00:43:03,000
Speaker 5: The median person here in Australia owns sixty five thousand

879
00:43:03,040 --> 00:43:04,799
Speaker 5: dollars a year, and just for you to do a

880
00:43:04,840 --> 00:43:08,680
Speaker 5: wee and go to the bathroom in a very normal

881
00:43:08,760 --> 00:43:11,520
Speaker 5: way for you is costing you way more than that.

882
00:43:11,760 --> 00:43:14,880
Speaker 2: Well, I'm open and honest in saying that my tpdpayout

883
00:43:14,920 --> 00:43:19,719
Speaker 2: was one hundred grand and eighty six thousand was continent products.

884
00:43:19,960 --> 00:43:24,399
Speaker 5: Well, also, we already discussed earlier in the first half

885
00:43:24,400 --> 00:43:27,600
Speaker 5: of the episode that the average cost of quadriplegia here

886
00:43:27,600 --> 00:43:30,000
Speaker 5: in Australia is eleven million dollars, So that's a drop

887
00:43:30,000 --> 00:43:33,520
Speaker 5: in the ocean. Like, from my perspective, that's not nearly enough.

888
00:43:33,840 --> 00:43:36,520
Speaker 5: And often when we talk about it as somebody who

889
00:43:36,680 --> 00:43:39,600
Speaker 5: literally would write insurance policies, right, like my job as

890
00:43:39,640 --> 00:43:41,400
Speaker 5: a financial advisor was to make sure that you had

891
00:43:41,440 --> 00:43:43,560
Speaker 5: a wealth creation strategy and that we could you know,

892
00:43:43,680 --> 00:43:45,200
Speaker 5: do budget and cash loo and put you in the

893
00:43:45,200 --> 00:43:48,440
Speaker 5: best position that your superannuation was looking really sexy, but

894
00:43:48,480 --> 00:43:51,480
Speaker 5: then also that your insurances were in place, because if

895
00:43:51,520 --> 00:43:54,960
Speaker 5: anything ever happened, I would hate for your wealth creation

896
00:43:55,080 --> 00:43:57,560
Speaker 5: strategy to fall off the bandwagon or you not to

897
00:43:57,600 --> 00:43:59,880
Speaker 5: be able to retire and have the life that you deserve.

898
00:44:00,200 --> 00:44:01,880
Speaker 5: And the amount of times I would talk to people

899
00:44:01,880 --> 00:44:04,200
Speaker 5: and they're like, oh yeah, like a TBD pay it

900
00:44:04,280 --> 00:44:06,319
Speaker 5: out of one hundred grand, that's more than enough, fe

901
00:44:06,400 --> 00:44:08,439
Speaker 5: and often it's not enough.

902
00:44:10,000 --> 00:44:10,920
Speaker 2: Would have to sit.

903
00:44:10,760 --> 00:44:12,960
Speaker 5: Down with clients and be like, well, actually, I don't

904
00:44:13,040 --> 00:44:15,960
Speaker 5: think that's enough because we're not just talking about the

905
00:44:16,040 --> 00:44:18,880
Speaker 5: cost of you know, the things that you need, but

906
00:44:18,920 --> 00:44:22,120
Speaker 5: we're talking about changes to your home, lifestyle, changes, loss

907
00:44:22,120 --> 00:44:24,440
Speaker 5: of income. Yes, we would be able to claim on

908
00:44:24,520 --> 00:44:27,239
Speaker 5: income protection, but there are lots of top ups that

909
00:44:27,320 --> 00:44:30,279
Speaker 5: I don't think you understand. And then even just things

910
00:44:30,320 --> 00:44:33,319
Speaker 5: like life insurance. You would explain to somebody, Okay, cool,

911
00:44:33,440 --> 00:44:36,400
Speaker 5: you know I've run the numbers. You're an adult male

912
00:44:36,680 --> 00:44:38,640
Speaker 5: and you have two young kids and a wife. I

913
00:44:38,719 --> 00:44:40,279
Speaker 5: think you need a three and a half million dollar

914
00:44:40,360 --> 00:44:43,400
Speaker 5: life insurance policy. Be true, I don't need that. Like

915
00:44:43,440 --> 00:44:45,640
Speaker 5: my house is only worth eight hundred grand. You'd be like,

916
00:44:45,880 --> 00:44:48,000
Speaker 5: I don't think you understand how much your life is

917
00:44:48,040 --> 00:44:52,480
Speaker 5: worth until your family are going through something really traumaus that.

918
00:44:52,440 --> 00:44:54,520
Speaker 2: We cannot put a price on our own lives, Like

919
00:44:54,560 --> 00:44:58,200
Speaker 2: we can't comprehend how much our life is worth exactly

920
00:44:58,280 --> 00:45:01,359
Speaker 2: those works. It's wild, isn't it. So look at what we.

921
00:45:01,280 --> 00:45:04,200
Speaker 4: Can do to protect ourselves now, and different types of insurances,

922
00:45:04,360 --> 00:45:06,440
Speaker 4: because you know I love talking about insurances.

923
00:45:06,719 --> 00:45:07,800
Speaker 2: I you do not.

924
00:45:08,080 --> 00:45:11,160
Speaker 5: You're both looking at me like here comes the boring

925
00:45:11,239 --> 00:45:14,560
Speaker 5: your heart. But it's so important to understand this. And

926
00:45:14,600 --> 00:45:17,160
Speaker 5: there are many, many different types of insurance. But when

927
00:45:17,200 --> 00:45:21,759
Speaker 5: it comes to the financial advice landscape and personal insurance,

928
00:45:21,960 --> 00:45:24,520
Speaker 5: there are four different types of personal insurance. So you

929
00:45:24,600 --> 00:45:27,560
Speaker 5: have income protection, which from my perspective is my favorite

930
00:45:27,560 --> 00:45:30,080
Speaker 5: type of insurance that's going to replace your income should

931
00:45:30,239 --> 00:45:33,400
Speaker 5: something happen to you. We have total and permanent disability,

932
00:45:33,440 --> 00:45:36,160
Speaker 5: which is essentially, if you sustain an injury that totally

933
00:45:36,160 --> 00:45:38,440
Speaker 5: im permanently disables you, that is a lot of some

934
00:45:38,520 --> 00:45:41,279
Speaker 5: payment that gets paid out. There is an insurance called

935
00:45:41,280 --> 00:45:44,680
Speaker 5: trauma insurance, so if you experience a traumatic event, that

936
00:45:44,719 --> 00:45:47,800
Speaker 5: will pay out. It's actually very different to total and

937
00:45:47,840 --> 00:45:51,359
Speaker 5: permanent disability. So trauma insurance pays out for things like

938
00:45:51,600 --> 00:45:56,440
Speaker 5: cancers and melanoma. It pays out for genuine traumatic events,

939
00:45:56,520 --> 00:45:59,840
Speaker 5: not just total and permanent disability. And then we have

940
00:46:00,080 --> 00:46:03,680
Speaker 5: life insurance, which I think most people would understand. Obviously,

941
00:46:04,000 --> 00:46:06,840
Speaker 5: it seems relatively easy to claim on life insurance.

942
00:46:06,840 --> 00:46:07,759
Speaker 2: All you have to do is die.

943
00:46:07,880 --> 00:46:11,200
Speaker 5: However, there are also lots of different circumstances where you

944
00:46:11,239 --> 00:46:14,080
Speaker 5: might be able to access that early. So as a

945
00:46:14,080 --> 00:46:18,560
Speaker 5: financial advisor, my most important one would be income protection

946
00:46:18,840 --> 00:46:20,640
Speaker 5: because at the end of the day, if you crash

947
00:46:20,640 --> 00:46:23,480
Speaker 5: your car and you have car insurance, we can replace

948
00:46:23,520 --> 00:46:25,400
Speaker 5: your car. But if we crash your car and you

949
00:46:25,440 --> 00:46:29,240
Speaker 5: get injured, your car might be replaceable, but your income

950
00:46:29,480 --> 00:46:32,800
Speaker 5: is not. So from my perspective, that's the most important

951
00:46:32,840 --> 00:46:35,680
Speaker 5: type of insurance that we have, and so they're the

952
00:46:35,800 --> 00:46:39,480
Speaker 5: personal types of insurance. Then there's private health insurance, which

953
00:46:39,520 --> 00:46:41,520
Speaker 5: I think we need to address here because when it

954
00:46:41,600 --> 00:46:45,680
Speaker 5: comes to disability and experiencing things like this, you don't

955
00:46:45,719 --> 00:46:48,920
Speaker 5: know what you need until you really need it, Andrehanna,

956
00:46:48,920 --> 00:46:52,600
Speaker 5: and you're probably a really good advocate for weighing in here.

957
00:46:53,160 --> 00:46:55,040
Speaker 5: Is private health insurance worth it?

958
00:46:56,680 --> 00:46:59,000
Speaker 2: I'm going to have an internal and external debate about

959
00:46:59,040 --> 00:47:02,440
Speaker 2: that one. Yeah, and then it's going to cost me

960
00:47:02,520 --> 00:47:02,960
Speaker 2: more money.

961
00:47:03,040 --> 00:47:03,239
Speaker 1: Yeah.

962
00:47:03,480 --> 00:47:08,240
Speaker 2: Sorry. Look, it's funny because there is the Victorian Spinal Service,

963
00:47:08,280 --> 00:47:11,040
Speaker 2: which is the hospital that services the community of people

964
00:47:11,040 --> 00:47:13,520
Speaker 2: with spinal cord Introduce, which is a public hospital, and

965
00:47:13,560 --> 00:47:15,680
Speaker 2: I had private health insurance, and every time I go in,

966
00:47:15,760 --> 00:47:18,040
Speaker 2: even for a day appointment, they asked me do I

967
00:47:18,040 --> 00:47:19,680
Speaker 2: want to go in as a private or a public?

968
00:47:19,680 --> 00:47:21,799
Speaker 2: And I always say I want to go in as

969
00:47:21,840 --> 00:47:23,480
Speaker 2: public because I don't want to pay the fight. What

970
00:47:23,520 --> 00:47:27,319
Speaker 2: am I paying that five dollars? I only just I've

971
00:47:27,360 --> 00:47:30,399
Speaker 2: always had extras because I love my teeth and I

972
00:47:30,440 --> 00:47:33,719
Speaker 2: love my access to physios and things like that. But

973
00:47:33,760 --> 00:47:36,759
Speaker 2: I've only just put hospital cover back on because I

974
00:47:36,800 --> 00:47:40,719
Speaker 2: am planning a family. But to completely digress in the

975
00:47:40,719 --> 00:47:42,759
Speaker 2: way of insurance, it's something I am going to throw

976
00:47:42,800 --> 00:47:45,759
Speaker 2: in there, which I'm sure you probably wouldn't have even

977
00:47:45,800 --> 00:47:49,640
Speaker 2: thought of, is so pervotal for the disability community is

978
00:47:49,760 --> 00:47:53,640
Speaker 2: contents insurance. And that is because if anything happens to

979
00:47:53,680 --> 00:47:57,080
Speaker 2: your home and your mobility aids or the things that

980
00:47:57,120 --> 00:48:00,560
Speaker 2: you need to live your life in your home, they

981
00:48:00,560 --> 00:48:04,879
Speaker 2: will be covered. Yeah, that's from wheelchair to showerchair.

982
00:48:05,160 --> 00:48:08,640
Speaker 5: Yeah, that is a stunning addition, I think because often

983
00:48:08,840 --> 00:48:10,719
Speaker 5: people really gloss over content.

984
00:48:10,480 --> 00:48:13,800
Speaker 2: And you have to list them when you are getting

985
00:48:13,840 --> 00:48:17,160
Speaker 2: your policies. You make sure that they're on there. I mean, yes,

986
00:48:17,239 --> 00:48:20,279
Speaker 2: our jury and everything and our TVs are important, but

987
00:48:21,000 --> 00:48:24,000
Speaker 2: I know many people who have had instances where I

988
00:48:24,040 --> 00:48:26,160
Speaker 2: mean I used to go to the drive through coffee shop.

989
00:48:26,160 --> 00:48:29,040
Speaker 2: I'd leave my house and I'd actually leave my chair

990
00:48:29,400 --> 00:48:31,320
Speaker 2: in the driveway of my house and I'd just jump

991
00:48:31,400 --> 00:48:34,719
Speaker 2: in my house. But I drive through coffee shop. That's elite. Yeah,

992
00:48:34,800 --> 00:48:37,080
Speaker 2: but so I wouldn't have to like pull my chair apart.

993
00:48:37,120 --> 00:48:39,120
Speaker 2: I just like leave it get a coffee. And Mum

994
00:48:39,120 --> 00:48:41,080
Speaker 2: would always say me, someone's going to pinch your chair

995
00:48:41,120 --> 00:48:43,560
Speaker 2: one day. And I've actually had a friend whose wheelchair

996
00:48:43,719 --> 00:48:48,239
Speaker 2: was stolen. He went for a roasted on his back

997
00:48:48,719 --> 00:48:51,320
Speaker 2: and parked up his chair and his chair was stolen.

998
00:48:51,400 --> 00:48:55,000
Speaker 2: So I mean, have contents insurance so that your mobility

999
00:48:55,040 --> 00:48:57,640
Speaker 2: aids and the things that you require are taken care

1000
00:48:57,719 --> 00:48:58,360
Speaker 2: of as well.

1001
00:48:58,719 --> 00:49:03,359
Speaker 5: I could not agree with that on that absolute scum

1002
00:49:03,480 --> 00:49:05,719
Speaker 5: if you are stealing aw that is like the war

1003
00:49:05,840 --> 00:49:09,440
Speaker 5: level line. Oh, I just I can't adding to that.

1004
00:49:09,560 --> 00:49:12,480
Speaker 5: Another really important insurance that we touched on, and the

1005
00:49:12,520 --> 00:49:15,440
Speaker 5: start of this episode is travel insurance, and we went

1006
00:49:15,480 --> 00:49:17,400
Speaker 5: on and on about that. I don't think we could be,

1007
00:49:17,840 --> 00:49:21,359
Speaker 5: you know, more in favor of ensuring that you have

1008
00:49:21,880 --> 00:49:25,200
Speaker 5: travel insurance, but I also would take it a step further.

1009
00:49:25,440 --> 00:49:28,440
Speaker 5: And I know this, you know, again really privileged, but

1010
00:49:28,960 --> 00:49:31,360
Speaker 5: if you can't afford to pay for travel insurance, you

1011
00:49:31,400 --> 00:49:33,160
Speaker 5: probably can't afford to go on that holiday.

1012
00:49:33,280 --> 00:49:34,960
Speaker 2: Preach, full stop, end of story.

1013
00:49:35,000 --> 00:49:37,719
Speaker 5: If you're not adding that to your travel plans, Like,

1014
00:49:37,760 --> 00:49:39,640
Speaker 5: I'm really sorry, but you shouldn't be going on the

1015
00:49:39,640 --> 00:49:42,160
Speaker 5: holiday in the first place. Like the risk from my

1016
00:49:42,200 --> 00:49:45,600
Speaker 5: perspective is just far too high to the point where

1017
00:49:46,080 --> 00:49:48,560
Speaker 5: you guys won't be surprised about this. I remember talking

1018
00:49:48,600 --> 00:49:51,239
Speaker 5: to a friend about her travel insurance. She was like, Nah,

1019
00:49:51,239 --> 00:49:52,759
Speaker 5: I'm not going to get it I literally bought it

1020
00:49:52,800 --> 00:49:55,360
Speaker 5: for her. I was like, I'm so sorry, Like I

1021
00:49:55,400 --> 00:49:57,839
Speaker 5: bought you this as a little travel present. Like it's

1022
00:49:57,880 --> 00:50:00,439
Speaker 5: just not happening. It's not me trying to be nice.

1023
00:50:00,520 --> 00:50:03,640
Speaker 5: It's me knowing the industry. And I mean, I have

1024
00:50:03,680 --> 00:50:06,680
Speaker 5: a very I guess, cynical view of stuff like this

1025
00:50:06,920 --> 00:50:09,680
Speaker 5: because and I was saying this to you earlier, and

1026
00:50:10,040 --> 00:50:12,120
Speaker 5: I'm in this beautiful position where you get to work

1027
00:50:12,160 --> 00:50:14,200
Speaker 5: with people and wealth creation. You get to work with

1028
00:50:14,239 --> 00:50:16,480
Speaker 5: people to you know, set up their lives and you know,

1029
00:50:16,520 --> 00:50:18,399
Speaker 5: put them in a position that they never dreamed they'd

1030
00:50:18,440 --> 00:50:20,880
Speaker 5: ever be in. One of those things is ensuring that

1031
00:50:20,920 --> 00:50:25,000
Speaker 5: they appropriately insure it. And some of the times your

1032
00:50:25,000 --> 00:50:28,640
Speaker 5: clients come back to you with really significant injuries or illnesses,

1033
00:50:28,760 --> 00:50:31,200
Speaker 5: or sometimes your clients don't come back and their partners do,

1034
00:50:31,320 --> 00:50:34,279
Speaker 5: and it's heartbreaking. It is the worst thing in the

1035
00:50:34,440 --> 00:50:36,640
Speaker 5: world to go through. But one of the things when

1036
00:50:36,640 --> 00:50:38,840
Speaker 5: I was a financial advisor was knowing that I was

1037
00:50:38,920 --> 00:50:41,920
Speaker 5: the right person to help them through that process. I

1038
00:50:41,960 --> 00:50:45,080
Speaker 5: would bend over backwards to make sure that we got

1039
00:50:45,080 --> 00:50:47,920
Speaker 5: that claim in and that claim was paid out asap,

1040
00:50:48,160 --> 00:50:49,799
Speaker 5: to make sure that that family was in the best

1041
00:50:49,840 --> 00:50:53,920
Speaker 5: possible position. But having exposure to things like that really

1042
00:50:54,440 --> 00:50:58,000
Speaker 5: twists and warps your view of what happens in the world.

1043
00:50:58,080 --> 00:50:59,640
Speaker 5: And the amount of people that go, oh, that won't

1044
00:50:59,640 --> 00:51:01,000
Speaker 5: happen to me, I go, will it?

1045
00:51:01,080 --> 00:51:02,200
Speaker 2: Can? It does?

1046
00:51:02,800 --> 00:51:05,279
Speaker 5: Like I have had clients call and say, hey, I'm

1047
00:51:05,280 --> 00:51:07,759
Speaker 5: really sorry. My husband literally got hit by a bus

1048
00:51:07,800 --> 00:51:10,680
Speaker 5: on the way to work. He's going to be okay,

1049
00:51:10,760 --> 00:51:13,480
Speaker 5: but he's in a coma. I have had, you know,

1050
00:51:13,719 --> 00:51:16,840
Speaker 5: situations like yours, Rihanna, and where a freak accident happened

1051
00:51:16,880 --> 00:51:19,160
Speaker 5: while someone was living their best life and they need

1052
00:51:19,200 --> 00:51:23,080
Speaker 5: to be medivacked back to Australia. And even just knowing

1053
00:51:23,160 --> 00:51:26,080
Speaker 5: how to go through that process. I don't think it's

1054
00:51:26,080 --> 00:51:28,759
Speaker 5: a privilege. I think it's you know, really sad that

1055
00:51:28,840 --> 00:51:31,160
Speaker 5: I know that process because it means that I know

1056
00:51:31,280 --> 00:51:33,719
Speaker 5: people who have gone through these circumstances. But that is

1057
00:51:33,760 --> 00:51:36,799
Speaker 5: why I am so wildly passionate about insurance. And when

1058
00:51:36,840 --> 00:51:38,640
Speaker 5: I jump up and down say it's my favorite, it's

1059
00:51:38,680 --> 00:51:41,200
Speaker 5: not me being fluffy, it's me going this is the

1060
00:51:41,239 --> 00:51:44,719
Speaker 5: difference between you having to live or minimum wage and

1061
00:51:44,840 --> 00:51:47,960
Speaker 5: never creating the life that you deserve, and you being

1062
00:51:48,000 --> 00:51:50,520
Speaker 5: able to create the life you deserve and live with

1063
00:51:50,600 --> 00:51:53,920
Speaker 5: a disability, because that's entirely possible, right and Rihanna, and

1064
00:51:54,000 --> 00:51:56,480
Speaker 5: you are literally one of the best advocates of this,

1065
00:51:56,840 --> 00:51:58,040
Speaker 5: like you just embrace.

1066
00:51:57,760 --> 00:52:00,600
Speaker 2: Life and figure of flag, get travel insurance or die

1067
00:52:00,640 --> 00:52:03,480
Speaker 2: in my case, and that was and that's the fact, Like, yes,

1068
00:52:03,640 --> 00:52:06,640
Speaker 2: I won't sugarcoated. Had I have not had travel insurance,

1069
00:52:07,040 --> 00:52:08,839
Speaker 2: I would not be here. And I say that all

1070
00:52:08,840 --> 00:52:11,560
Speaker 2: the time. You know. My audience when I first started

1071
00:52:11,760 --> 00:52:14,600
Speaker 2: speaking were year twelve students who are about to go

1072
00:52:14,640 --> 00:52:17,160
Speaker 2: on school is And I was like, it reminds me

1073
00:52:17,160 --> 00:52:19,319
Speaker 2: of that episode of Mean Girls, of the episode that

1074
00:52:19,440 --> 00:52:20,920
Speaker 2: Mean Girls we're going to take just like if you

1075
00:52:20,960 --> 00:52:23,239
Speaker 2: have sex, you will die. You will get pregnant, and

1076
00:52:23,280 --> 00:52:25,160
Speaker 2: you you will and you will die. You know, I

1077
00:52:25,600 --> 00:52:27,799
Speaker 2: would say, you know, not in those words, but I'd

1078
00:52:27,840 --> 00:52:29,200
Speaker 2: be like, exactly what you do.

1079
00:52:29,239 --> 00:52:31,200
Speaker 5: Go on a holiday and you don't have travel insurance,

1080
00:52:31,239 --> 00:52:31,759
Speaker 5: you will die.

1081
00:52:31,800 --> 00:52:34,160
Speaker 2: You will die or get some kind of weird infection

1082
00:52:34,280 --> 00:52:36,120
Speaker 2: or something's going to happen, you know, Like it's not

1083
00:52:36,200 --> 00:52:39,440
Speaker 2: going to be a good outcome either way, you know.

1084
00:52:39,640 --> 00:52:42,160
Speaker 2: And I look forward to the day where we're actually

1085
00:52:42,200 --> 00:52:44,280
Speaker 2: not allowed to travel unless we do have that insurance.

1086
00:52:44,320 --> 00:52:45,840
Speaker 5: I think it should be the rules like they're the

1087
00:52:45,840 --> 00:52:48,360
Speaker 5: She's on the money rules, Like you're going against the

1088
00:52:48,360 --> 00:52:51,280
Speaker 5: She's on the money values if you're traveling without travel insurance.

1089
00:52:51,320 --> 00:52:53,040
Speaker 2: I just think it's so important.

1090
00:52:53,160 --> 00:52:54,480
Speaker 5: And I mean, if you don't want to hear that,

1091
00:52:54,560 --> 00:52:56,080
Speaker 5: I think you shouldn't be going on a holiday if

1092
00:52:56,080 --> 00:52:59,040
Speaker 5: you can't afford it. Like I kind of don't care

1093
00:52:59,320 --> 00:53:01,880
Speaker 5: because it's put you in the best possible position. But

1094
00:53:01,960 --> 00:53:03,840
Speaker 5: I guess that leads into we only have time for

1095
00:53:03,880 --> 00:53:06,759
Speaker 5: one more question, and I want to ask you. It's

1096
00:53:06,760 --> 00:53:09,960
Speaker 5: more of a personal question around and it's around your mindset.

1097
00:53:10,280 --> 00:53:13,000
Speaker 5: Like the second I met you, and I know this

1098
00:53:13,040 --> 00:53:15,200
Speaker 5: sounds really fluffy, but we really connected. I was like,

1099
00:53:15,280 --> 00:53:17,040
Speaker 5: far out, this is the type of person that I

1100
00:53:17,040 --> 00:53:19,840
Speaker 5: would want to surround me. Like, your mindset is beautiful.

1101
00:53:19,880 --> 00:53:23,640
Speaker 5: You are such a vibe. How are you such a vibe?

1102
00:53:23,960 --> 00:53:27,759
Speaker 5: After going through fourteen years of things that you know,

1103
00:53:27,880 --> 00:53:30,320
Speaker 5: a lot of people end up really disheartened with a

1104
00:53:30,360 --> 00:53:32,400
Speaker 5: lot of people end up really salty about a lot

1105
00:53:32,440 --> 00:53:35,200
Speaker 5: of people end up with a really negative mindset about

1106
00:53:35,320 --> 00:53:38,120
Speaker 5: and I mean we've all come across an angry person

1107
00:53:38,160 --> 00:53:39,920
Speaker 5: in a wheelchair, right, which would.

1108
00:53:39,719 --> 00:53:41,520
Speaker 2: Be fair enough, because which is like the way of

1109
00:53:41,560 --> 00:53:44,280
Speaker 2: the world shoulders. Yeah, it's so fair.

1110
00:53:44,719 --> 00:53:47,640
Speaker 5: But how are you just like this shining light of

1111
00:53:47,719 --> 00:53:51,800
Speaker 5: positivity and this type of person that attracts everybody.

1112
00:53:52,280 --> 00:53:55,040
Speaker 2: Well, I think it's because I have perspective. I mean,

1113
00:53:55,360 --> 00:53:58,440
Speaker 2: for me, it was no matter what happened to me,

1114
00:53:58,600 --> 00:54:01,799
Speaker 2: there was always somebody out there that was worse off.

1115
00:54:01,840 --> 00:54:04,000
Speaker 2: And that was in actual fact, like I would have

1116
00:54:04,120 --> 00:54:06,759
Speaker 2: days where Mum would push me into the kitchen of

1117
00:54:06,800 --> 00:54:10,520
Speaker 2: the hospital and I would see people with acquired brain

1118
00:54:10,560 --> 00:54:13,360
Speaker 2: injuries and people who are completely nonverbal and I'd be

1119
00:54:13,360 --> 00:54:15,279
Speaker 2: blowing my eyes at because I was twenty years old

1120
00:54:15,320 --> 00:54:17,239
Speaker 2: and my life was so shit at that point, and

1121
00:54:17,320 --> 00:54:19,279
Speaker 2: Mum would say to me, at least you can make

1122
00:54:19,320 --> 00:54:22,120
Speaker 2: your own decisions. At least you can communicate your needs.

1123
00:54:22,520 --> 00:54:24,439
Speaker 2: And I always go back to that moment when I'm

1124
00:54:24,440 --> 00:54:28,360
Speaker 2: feeling really shit from a perspective of somebody living with

1125
00:54:28,400 --> 00:54:31,640
Speaker 2: a disability. Again, still same kind of thing. You know,

1126
00:54:31,800 --> 00:54:35,280
Speaker 2: I have created a life based on, yes, the need,

1127
00:54:35,400 --> 00:54:38,440
Speaker 2: but also the want of life. You know, I was

1128
00:54:38,560 --> 00:54:41,920
Speaker 2: twenty and I think that that's probably a good time.

1129
00:54:42,560 --> 00:54:44,120
Speaker 2: I mean, nobody wants to be injured, and I don't

1130
00:54:44,160 --> 00:54:46,040
Speaker 2: want to wish that upon anyone, but you know, I

1131
00:54:46,080 --> 00:54:48,080
Speaker 2: had a choice. I could give up all the goals

1132
00:54:48,120 --> 00:54:50,600
Speaker 2: and ambitions that I had, or I could work towards them.

1133
00:54:51,120 --> 00:54:53,200
Speaker 2: I also do say that the fact that I didn't

1134
00:54:53,239 --> 00:54:55,879
Speaker 2: have and this is so bizarre to me, the fact

1135
00:54:55,920 --> 00:54:58,440
Speaker 2: that I didn't have easy access to the things I

1136
00:54:58,520 --> 00:55:03,000
Speaker 2: needed made me work harder. So, you know, like because

1137
00:55:03,040 --> 00:55:05,759
Speaker 2: I didn't have funding, and because I could see the

1138
00:55:05,800 --> 00:55:08,239
Speaker 2: toll that this was taking on my family, like I

1139
00:55:08,440 --> 00:55:11,400
Speaker 2: moved out. I've always been the girl who, like I

1140
00:55:11,440 --> 00:55:13,560
Speaker 2: couldn't wait to turn fourteen in nine months so I

1141
00:55:13,600 --> 00:55:15,520
Speaker 2: could work at mackets, you know what I mean. I've

1142
00:55:15,560 --> 00:55:17,880
Speaker 2: always been that person who wanted to be able to

1143
00:55:17,880 --> 00:55:20,239
Speaker 2: take care of myself. So when that couldn't happen, I

1144
00:55:20,320 --> 00:55:24,120
Speaker 2: just worked that bit harder and it wasn't easy. But also,

1145
00:55:24,160 --> 00:55:27,120
Speaker 2: you know, I now get to go and you know,

1146
00:55:27,320 --> 00:55:29,960
Speaker 2: literally roll into a place where I watch people every

1147
00:55:30,000 --> 00:55:33,160
Speaker 2: single day take back control of their lives. And that

1148
00:55:33,360 --> 00:55:36,520
Speaker 2: is my facility, and that gives me a reason to

1149
00:55:36,640 --> 00:55:40,319
Speaker 2: just keep going. And conversations like this, like you know,

1150
00:55:40,600 --> 00:55:45,880
Speaker 2: insurance gets you horny victoria, but disability allies tell horny people,

1151
00:55:46,040 --> 00:55:47,920
Speaker 2: you know, like, I love that we can have these

1152
00:55:47,960 --> 00:55:51,480
Speaker 2: conversations because now the conversation is not going to end here.

1153
00:55:51,920 --> 00:55:55,160
Speaker 5: No, and it shouldn't end here unfortunately, is going to

1154
00:55:55,239 --> 00:55:57,760
Speaker 5: end your.

1155
00:55:56,560 --> 00:55:59,160
Speaker 2: Right episode.

1156
00:56:00,360 --> 00:56:04,360
Speaker 5: By but also before we go, actually another little plug.

1157
00:56:04,600 --> 00:56:06,680
Speaker 5: I have had a few people sliding into my DMS

1158
00:56:06,719 --> 00:56:09,680
Speaker 5: on Instagram asking Victoria where can we get our life insurance?

1159
00:56:09,680 --> 00:56:13,560
Speaker 5: And our personal insurance is sorted and our recommendation is

1160
00:56:13,600 --> 00:56:16,040
Speaker 5: a company called sky Wealth. And the reason I recommend

1161
00:56:16,040 --> 00:56:17,960
Speaker 5: sky Wealth is one it's run by one of my

1162
00:56:17,960 --> 00:56:21,359
Speaker 5: good friends, Phil Thompson, who actually took on a lot

1163
00:56:21,360 --> 00:56:23,880
Speaker 5: of my clients when I left the industry, so you know,

1164
00:56:24,000 --> 00:56:27,440
Speaker 5: I trust him. It's legit. But he essentially is an

1165
00:56:27,440 --> 00:56:30,680
Speaker 5: insurance specialist. He doesn't do wealth, he doesn't do superinuation.

1166
00:56:30,840 --> 00:56:33,200
Speaker 5: He just does insurance, which means he's going to be

1167
00:56:33,239 --> 00:56:36,319
Speaker 5: a little bit cheaper because financial advice can be prohibitive.

1168
00:56:36,320 --> 00:56:38,640
Speaker 5: But I promise you this is not. And he does

1169
00:56:38,719 --> 00:56:40,800
Speaker 5: like a fifteen minute free call at the start, so

1170
00:56:40,840 --> 00:56:42,920
Speaker 5: if you want to contact them, no, I feel like

1171
00:56:42,960 --> 00:56:44,640
Speaker 5: it's just really important. I know that sounds like a

1172
00:56:44,640 --> 00:56:47,080
Speaker 5: shameless plug, and he definitely doesn't pay me to say

1173
00:56:47,080 --> 00:56:49,560
Speaker 5: this lack. He would probably be mortified that I'm talking

1174
00:56:49,600 --> 00:56:52,160
Speaker 5: about him so publicly, but I'll pop all of.

1175
00:56:52,040 --> 00:56:53,520
Speaker 2: His information in our show notes.

1176
00:56:53,600 --> 00:56:55,360
Speaker 5: And then also if you want to get matched with

1177
00:56:55,440 --> 00:56:58,719
Speaker 5: any other type of financial advice or mortgage broking professional,

1178
00:56:58,760 --> 00:57:00,600
Speaker 5: there's actually a part on our sh on the Money

1179
00:57:00,600 --> 00:57:02,600
Speaker 5: website where you can get mashed with a mortgage broker

1180
00:57:02,719 --> 00:57:05,360
Speaker 5: or a financial advisor that She's on the Money community

1181
00:57:05,440 --> 00:57:07,839
Speaker 5: knows and loves. So you can also go and check

1182
00:57:07,880 --> 00:57:10,880
Speaker 5: that out. But for people who have really resonated with

1183
00:57:10,960 --> 00:57:12,640
Speaker 5: you and your cause and what you do, where can

1184
00:57:12,680 --> 00:57:14,920
Speaker 5: we learn more about you and more about your facility

1185
00:57:14,920 --> 00:57:16,600
Speaker 5: which is friggin incredible?

1186
00:57:16,720 --> 00:57:17,200
Speaker 2: Shameful?

1187
00:57:17,200 --> 00:57:19,920
Speaker 5: Plug It is not shameful. I literally asked for it.

1188
00:57:20,080 --> 00:57:21,600
Speaker 5: I literally asked you to plug yourself here.

1189
00:57:21,600 --> 00:57:23,640
Speaker 2: Okay, yeah, plug away. But we don't have enough time.

1190
00:57:23,640 --> 00:57:26,600
Speaker 2: Something we do quick quick. Rihanna Tracy my will Life,

1191
00:57:26,680 --> 00:57:28,600
Speaker 2: because my Will Life.

1192
00:57:28,640 --> 00:57:31,080
Speaker 5: I love that. That's her Instagram handle? And what is

1193
00:57:31,080 --> 00:57:32,880
Speaker 5: your facility? How can we support that?

1194
00:57:33,280 --> 00:57:36,040
Speaker 2: So? My facility is a not for profit organization. It

1195
00:57:36,120 --> 00:57:40,800
Speaker 2: is the only type in Australia. Amazing. It is called

1196
00:57:40,840 --> 00:57:43,920
Speaker 2: the Next Step Spinal Cord Injury Recovery and Wellness Center.

1197
00:57:43,960 --> 00:57:46,840
Speaker 2: And that is because it literally is the next step.

1198
00:57:46,880 --> 00:57:48,960
Speaker 2: We don't just treat people with spinal cord injuries, we

1199
00:57:49,000 --> 00:57:52,080
Speaker 2: don't just treat people with disabilities. We now treat anybody

1200
00:57:52,080 --> 00:57:54,600
Speaker 2: who really wants to take the next step in their life. Adore,

1201
00:57:54,760 --> 00:57:55,440
Speaker 2: I love that.

1202
00:57:56,120 --> 00:57:59,000
Speaker 4: It's so nice to hear your story and hear your perspective.

1203
00:57:59,480 --> 00:58:02,720
Speaker 4: You've really definitely change my view on a lot of things.

1204
00:58:02,720 --> 00:58:04,840
Speaker 4: So thank you for joining us.

1205
00:58:04,920 --> 00:58:06,240
Speaker 2: It won't be the last time.

1206
00:58:06,520 --> 00:58:09,440
Speaker 5: We will see you on Friday, guys, See you, guys.

1207
00:58:09,440 --> 00:58:14,360
Speaker 2: Bye.

1208
00:58:16,360 --> 00:58:18,920
Speaker 5: The advice shared on She's on the Money is general

1209
00:58:18,960 --> 00:58:22,800
Speaker 5: in nature and does not consider your individual circumstances. She's

1210
00:58:22,880 --> 00:58:26,320
Speaker 5: on the Money exists purely for educational purposes and should

1211
00:58:26,360 --> 00:58:29,520
Speaker 5: not be relied upon to make an investment or financial decision.

1212
00:58:29,920 --> 00:58:32,520
Speaker 2: If you do choose to buy a financial product.

1213
00:58:32,160 --> 00:58:36,160
Speaker 5: Read the PDS TMD and obtain appropriate financial advice tailored

1214
00:58:36,200 --> 00:58:39,640
Speaker 5: towards your needs. Victoria Divine and She's on the Money

1215
00:58:39,680 --> 00:58:44,640
Speaker 5: are authorized representatives of Money sirper Pty Ltd ABN three

1216
00:58:44,680 --> 00:58:47,600
Speaker 5: two one IS six four nine two seven seven zero

1217
00:58:47,680 --> 00:59:03,560
Speaker 5: eight AFSL four five one two eight nine