Speaker 1: Hi, guys, and welcome back to another episode of Life Uncut.
Speaker 2: I'm Laura and.
Speaker 1: I'm Brittany, and we are happy to be back in
Speaker 1: the driver's seat.
Speaker 2: I tell you what, some weeks.
Speaker 1: I feel like I haven't recorded for weeks on end,
Speaker 1: and other weeks.
Speaker 2: I'm like, I swear we did this episode yesterday. It
Speaker 2: creeps up.
Speaker 1: It's the same day every week and it creeps But
Speaker 1: you know what, it's been a long weekend just passed,
Speaker 1: and I just quickly want to say and give my condolences,
Speaker 1: my congratulations to every single parent out there who normally
Speaker 1: has their child in daycare and a Monday and then
Speaker 1: they're stuck with their own kid because daycare is shut.
Speaker 1: Mondays are such a crappy day to have your kids
Speaker 1: in daycare because you always get shafted with public holidays.
Speaker 2: Well, those of us that don't have kids, we don't
Speaker 2: have that.
Speaker 1: Please tell me about the awesome public holiday you had,
Speaker 1: no long we can. Yeah, we don't all have those issues.
Speaker 1: So I guys, the time has finally come.
Speaker 2: I was about to say if you've been following along.
Speaker 1: My journey, but if you're listening, I'm sure you've been
Speaker 1: following along.
Speaker 2: My bloody journey. Anyway, you guys know that I.
Speaker 1: Was I am heading over to see Jordan finally, and
Speaker 1: that time has come, so I am going in just
Speaker 1: a few days time. I'm running around like a chicken
Speaker 1: with his head cut off. I have so much to do,
Speaker 1: We have so much to do for the podcast. I
Speaker 1: feel very, very disorganized and not ready for what's about
Speaker 1: to happen.
Speaker 2: But I'm so excited. We are always disorganized.
Speaker 1: There's nothing about that sentence that should come alarming to
Speaker 1: anybody who's listening to this podcast or has been since
Speaker 1: the beginning. This is just how we roll people from
Speaker 1: day one. But you know what, I was just thinking.
Speaker 2: This is the funniest story.
Speaker 1: Surely most of you have heard this by now, But
Speaker 1: I was just thinking, I have nothing to feel stressed
Speaker 1: and worried about after reading this story about this man
Speaker 1: in America that is a lobster diver. Know what I'm
Speaker 1: gonna say, Laura, No, this week, just a few days ago. Wait,
Speaker 1: are you coming to me with some world news right
Speaker 1: now that I'm completely I'm coming to you with.
Speaker 2: The craziest, most hilarious.
Speaker 1: And scary world news that I have read or heard
Speaker 1: in a very long time. So a man, a lobsterdiver,
Speaker 1: went lobster diving like he always does, and the details
Speaker 1: are a bit sketchy, but essentially he says he sort
Speaker 1: of like felt a bump, like something hid him, and
Speaker 1: then everything went black and he was like for a second,
Speaker 1: he's like, I don't know what was going on. And
Speaker 1: then he's like, oh, he's like, oh my god, I've
Speaker 1: been eaten by a shark, and that this is what
Speaker 1: he's saying. I think I'm eating by a shark. And
Speaker 1: then he was like feeling around, he couldn't feel any teeth,
Speaker 1: and then he realized he was in a whale's mouth.
Speaker 1: A whale ate him.
Speaker 2: It's not a joke. Is this like Pinocchio? It's not Pinocchio?
Speaker 2: That's the they get hiden by whale? Did he Yeah,
Speaker 2: don't you remember this? Impoque? There you go. Okay, that's
Speaker 2: a long time. But he got eat by whale. That
Speaker 2: mob dick or something. He got in by whale and
Speaker 2: no joke.
Speaker 1: So he was in the whale's mouth for forty seconds. Well,
Speaker 1: what did he stop watching out was if you were
Speaker 1: in a whale's mouth, you'd probably count it to he reckons.
Speaker 2: He was in there for forty seconds. He was feeling
Speaker 2: around and it was all smooth. He thought all he.
Speaker 1: Could do was pray that it doesn't swallow him. So
Speaker 1: he was like touching around because whale's like so the
Speaker 1: way they eat, The way it happened was the odds
Speaker 1: that is happening a slim to none. I don't know
Speaker 1: how it's happened. He's the most unlucky man in the world.
Speaker 1: The whales opens its mouth and then just cruises for
Speaker 1: a while with an open mouth, and heaps.
Speaker 2: Of stuff goes in theresuck.
Speaker 1: He got eaten, and then he was like touching the
Speaker 1: walls of the whale's mouth. And then all of a sudden,
Speaker 1: after forty seconds, which he times on his sports watch fitbit,
Speaker 1: the whale breached out of the water and started to
Speaker 1: shake its head because it obviously could feel something in
Speaker 1: there that shouldn't be in there, and flung him out
Speaker 1: of his mouth. And he's survived, and now he's just
Speaker 1: in the hospital telling a story about how he just
Speaker 1: got eat by whale. Guys, if you think you had
Speaker 1: a big weekend once again parenting your children, yeah, well,
Speaker 1: I mean you're never going to stack up to the
Speaker 1: guy who was eating by whale.
Speaker 2: Anyway, that was hilarious.
Speaker 1: But not apart from that, my long weekend because I'm
Speaker 1: going away guys this weekend. I haven't seen my parents
Speaker 1: in so long, and I just realized that I am
Speaker 1: a horrible child because they lived four hours away. Like
Speaker 1: that's not an excuse, and I just felt slack. We
Speaker 1: went to the Hunter Valley.
Speaker 2: I just cannot tell you how much wine and food
Speaker 2: we ate. It's actually disgusting.
Speaker 1: I was at the point that I was at my
Speaker 1: last vinyard and I had to unbutton my jeans at
Speaker 1: the table. It was mortifying. Well, also like fine that
Speaker 1: you eat so much at your pants pop you just
Speaker 1: take your hair out and then you wrap a hair
Speaker 1: elastic around the inside loop and then wrap it around
Speaker 1: that button and just embrace it.
Speaker 2: I still do that with my jeans.
Speaker 1: Plus yourself, you're not pregnant any well, I know, what
Speaker 1: did you get up to? Actually I did the same. Well,
Speaker 1: I mean I know that's a lie. Did not go
Speaker 1: to the Hunt Valley and didn't eat wine and cheese.
Speaker 1: I went down to Woollongong and I also spent some
Speaker 1: time with my family. I mean, I haven't seen my
Speaker 1: nan in a while, and since my grandfather passed away
Speaker 1: last year, my nan moved into a nursing home and
Speaker 1: her memory has been kind of like deteriorating over the
Speaker 1: last couple of weeks and months. And I went down
Speaker 1: there of the weekend spent some time with her, and
Speaker 1: the one silver lining of the whole thing is that
Speaker 1: she no longer thinks that she lives in a home.
Speaker 1: She thinks that she just goes to the RSL club.
Speaker 2: So she was like, that's so sweet. I was like,
Speaker 2: how have you been?
Speaker 1: She said, Oh, it's a bit lonely at the house
Speaker 1: because your granddad's not there. But I go to the
Speaker 1: RSL Club a lot, so she thinks that. Bless her.
Speaker 1: She thinks that she does where she's doing playing bingo
Speaker 1: and stuff with the RSL.
Speaker 2: She's hanging out of the RSL club.
Speaker 1: Do you know what, Whatever gets you through, Absolutely, I'm
Speaker 1: here for it.
Speaker 2: So that was it.
Speaker 1: It was a pretty low key, very family orientated long weekend.
Speaker 1: But I did also read something which I want to
Speaker 1: bring up and I want to talk to you about.
Speaker 1: Is it as funny as been in my way? Okay, look,
Speaker 1: it's not as funny as that. I'm just gonna put
Speaker 1: it out there, but I think it's look, it's something
Speaker 1: that made me feel a lot of conflicting feelings. I
Speaker 1: had a lot of feelings, so I wanted to like
Speaker 1: flesh it out with you.
Speaker 2: That's what the podcast is about, fleshed out to hit me.
Speaker 1: So some of you might have seen this, and if
Speaker 1: you haven't, then I'm going to give you the quick rundown.
Speaker 1: M Rata is in a supermodel beautiful m Radajowski. M
Speaker 1: Radajowski's been in the media in the last week over
Speaker 1: some backlash that she has received for posting a photo
Speaker 1: of her and her three and a half like let's
Speaker 1: go with three month old baby. She's just turned thirty
Speaker 1: years old and she posted this photo. It was actually
Speaker 1: a series was carousela photos of her standing there in
Speaker 1: a tiny string bikini looking like wildly insane, not even
Speaker 1: insane for someone who's just given birth, but just like extraterrestrial,
Speaker 1: Like no normal human can ever look like her before birth,
Speaker 1: or she looks like but she looks like that after birth. Yes,
Speaker 1: it's actually ridiculous.
Speaker 2: She's like a deity.
Speaker 1: It's I don't understand, she's not a real Well, I
Speaker 1: shouldn't say she's not a real human, because then that
Speaker 1: leads into the whole conversation that I'm just about to
Speaker 1: have the problem with the picture, and I'm going to
Speaker 1: like encourage you guys to go and have a look,
Speaker 1: so you know what I'm talking about. So it's a
Speaker 1: photo of her standing there in this tiny string bikini
Speaker 1: looking hot af and then she is holding her little
Speaker 1: boy kind of.
Speaker 2: Like he's a sack of potato.
Speaker 1: Now I have seen the phone holding him in a
Speaker 1: bit of a headlock.
Speaker 2: He's sort of off to the side and like fluffing around.
Speaker 1: Yeah, like his legs are dangling, and I'm kind of
Speaker 1: like gripping around his shoulders. So she's holding him close
Speaker 1: to her. The little boy doesn't have any neck support,
Speaker 1: and his legs are dangling. And then if you flick
Speaker 1: through the photos they become progressively better. It looks as
Speaker 1: though she's kind of the photos have been taken during
Speaker 1: a movement, So the first photo was taken when he
Speaker 1: was dangling, and then she's kind of flicking her hair
Speaker 1: in the second one, and then the third photo she's
Speaker 1: reaching around to help support him and lift him up
Speaker 1: a little bit. And she's posted all three photos in
Speaker 1: a carousel. Firstly, before we unpack it, I just want
Speaker 1: to say, like, we do not condone mummy shaming on
Speaker 1: this podcast. And I think, you know, there is so
Speaker 1: much guilt that's attached to being a mum already that
Speaker 1: there's always this feeling of like I'm not doing a
Speaker 1: good enough job. So I would never want to say
Speaker 1: anything or do anything that adds to somebody's feeling of that. However,
Speaker 1: but I am going to say, yeah, well, what I'm
Speaker 1: gonna say. I had a moment I saw those photos
Speaker 1: and my instant reaction was, girlfriend, what the fuck you doing?
Speaker 2: Hold your kid properly?
Speaker 1: Like that thought entered my mind and that was my
Speaker 1: very first reaction to seeing those photos. And then I
Speaker 1: sort of sat with it and like, okay, just so
Speaker 1: you guys know, she has turned off comments on the photos.
Speaker 1: She was receiving thousands and thousands and thousands of comments
Speaker 1: from people saying exactly the same thing. Piers Morgan actually
Speaker 1: tweeted some things and like, oh, look, I think that
Speaker 1: Peers Morgan is pretty problematic from time to time, that's
Speaker 1: for sure, And he wrote, that's not how you hold
Speaker 1: a baby m rudder and your millions of followers shouldn't
Speaker 1: be encouraged to do the same, happy to give you
Speaker 1: some tips if you need them, which is incredibly condescending
Speaker 1: of anyone.
Speaker 2: Or let alone a man, to write that.
Speaker 1: My first feelings were and my thoughts were, holy crap,
Speaker 1: what are you doing? And then I had to sit
Speaker 1: with that for a little while, and I was like,
Speaker 1: these photos are a moment taken in time. They are
Speaker 1: one second in time. I'm sure that she's a great mum,
Speaker 1: she knows how to hold a child. I'm sure that's
Speaker 1: not how she holds her little boy as the norm.
Speaker 1: But I guess the thing that kind of made me
Speaker 1: feel a little bit uncomfortable, and the thing that made
Speaker 1: me question is like, but why would you choose to
Speaker 1: post those photos.
Speaker 2: On the internet?
Speaker 1: Why would out of all the photos that you would
Speaker 1: have with you and your child, knowing that like, yes,
Speaker 1: it's just a moment in time, But if that moment
Speaker 1: in time is not a good representation of how you
Speaker 1: will hold your child normally, wouldn't there be a moment
Speaker 1: where you go, oh, maybe this isn't the right photo
Speaker 1: to post. I mean, this one's hard for me and
Speaker 1: not hard. It's not like I'm not around kids. I
Speaker 1: am around kids, but I'm not a mum. I haven't
Speaker 1: had a lot of time one on.
Speaker 2: One with newborns. I know how to hold them. I
Speaker 2: know they need neck suport.
Speaker 1: But could it be that maybe she knows that he
Speaker 1: is okay in that position or is that a position
Speaker 1: that is not okay at all for a child.
Speaker 2: Of four months old?
Speaker 1: It's debatable, right, Like, if he's in that position for
Speaker 1: one second, yeah, he's fine, Like we readjust ourselves.
Speaker 2: Babies.
Speaker 1: Of course they are fragile, but they are a hell
Speaker 1: of a lot more robust than what I think a
Speaker 1: lot of people think they are. Yes, a three month
Speaker 1: baby needs to have next support. They cannot hold their
Speaker 1: neck up at all themselves, and that's why his neck
Speaker 1: is kind of like falling backwards a little bit.
Speaker 2: However, one second of that is not a big deal.
Speaker 1: Can I also say that he looks like a six
Speaker 1: month old boy?
Speaker 2: That is a big boy. Look.
Speaker 1: I can only imagine that she's posted it because I
Speaker 1: saw all the hate too, and I did look at
Speaker 1: it and think, oh, that doesn't really look right. It
Speaker 1: looks like he's just flopping around. She probably didn't question
Speaker 1: it because she knows that he wasn't in danger in
Speaker 1: that second, Like you said, it was like a movement
Speaker 1: between positions that she was holding him. She knows that
Speaker 1: he was fine, so it might not have even clocked
Speaker 1: to her that she was going to receive that much backlash.
Speaker 1: And the other thing that's come to mind with this
Speaker 1: as well is that this is definitely not the first
Speaker 1: time that em Rada has kind of blown up in
Speaker 1: the media since having her little boy. So only three
Speaker 1: weeks after having her little boy, she posted some photos
Speaker 1: on her social media and she was looking smoking like
Speaker 1: there was nobody who has looked at this ridiculously incredible
Speaker 1: three weeks postpartum, and obviously like she received the thousands
Speaker 1: of comments of people being like, oh my god, that's amazing.
Speaker 1: Did you even have a baby, which is the standard
Speaker 1: response to seeing someone who looks so incredible postpartum. But
Speaker 1: Claire Holt, who is an actress, came out and said
Speaker 1: something about this, and she said, I try not to
Speaker 1: be a grinch on here, but I really want to
Speaker 1: say something because it's annoying me. If you post a
Speaker 1: picture of your completely flat stomach ten days after having
Speaker 1: a baby and call that body positivity. To me, that's
Speaker 1: the same as posting picture of the millions of dollars
Speaker 1: in your bank account and calling that success positivity. Holt
Speaker 1: said this in a video posted to her Instagram stories
Speaker 1: in March. Did m Rada because I remember that photo
Speaker 1: that she posted postpartum? Did she say in that photo
Speaker 1: that she posted it for body positivity? No?
Speaker 2: She didn't.
Speaker 1: And this is my thing. Why do we want to
Speaker 1: hate her so much? Well, this is what I want
Speaker 1: to say to this. I think just because she looks
Speaker 1: incredible three weeks after having a baby, that does not
Speaker 1: mean she can't post it. Just because a lot of
Speaker 1: other people don't bounce back to that level, that doesn't
Speaker 1: mean that is not okay for her to live her life.
Speaker 1: It's still her life. It's still what has happened to
Speaker 1: her body. She has no control over it. That's the
Speaker 1: same as somebody else that hasn't bounced back as quickly
Speaker 1: putting a photo up three weeks later. I'm saying, three
Speaker 1: weeks postpartum, every single human is different. The reason we
Speaker 1: don't like her or people like that is because we
Speaker 1: are jealous. We're jealous that our body doesn't look like
Speaker 1: that three weeks after pregnancy. But I don't think that's
Speaker 1: a reason to go and attack someone holding the baby incorrectly.
Speaker 1: I can see, and I can reason with that a
Speaker 1: little bit more with why she's received the hate and
Speaker 1: the backlash because people love to get on their high
Speaker 1: horse for this kind of thing, and also a lot
Speaker 1: of people looking at that thinking, you know, we need
Speaker 1: to help her protect the baby kind of thing. I
Speaker 1: get that backlash more, and I still when I say
Speaker 1: I get it, I'm not encouraging it.
Speaker 2: I don't think people need to go and attack the girl.
Speaker 1: I don't get when we criticize somebody for how they
Speaker 1: look after having a baby, if they look better, then
Speaker 1: we would look I just think that's wrong. I one
Speaker 1: hundred percent agree with you. I kind of sat with
Speaker 1: my immediate feelings after seeing this photo of the baby
Speaker 1: em Raudah, and then I did a little bit of
Speaker 1: a deep dive into some of the articles that have
Speaker 1: come out surrounding her postpartum journey.
Speaker 2: She's only been a month.
Speaker 1: For three months, she's still figuring this shit out like
Speaker 1: the rest of us. One of the things that I
Speaker 1: thought is really unfair is that just because somebody is
Speaker 1: in their postpartum period. Doesn't mean that they opt in
Speaker 1: to be a role model for every other person who
Speaker 1: is in their postpartum period. Like, yes, what she and
Speaker 1: the way she looks that may be unattainable, but it's
Speaker 1: not necessarily unattainable for her. That's how she looks, you
Speaker 1: know what I mean. And it doesn't mean that she
Speaker 1: has opted in to be a role model. And I
Speaker 1: think that sometimes when we look at people who will
Speaker 1: postparton and we look at what they're putting out there,
Speaker 1: there is this huge body positivity movement where we are saying, hey,
Speaker 1: it's okay to have cellulated, it's okay to have stretch marks,
Speaker 1: this is normal. Look at us, it's deliberated. Okay to
Speaker 1: be skinny and hot.
Speaker 2: It's also okay to be skinny and hot.
Speaker 1: Absolutely, And I guess like it made me kind of
Speaker 1: reconsider my thoughts around stuff as well, and knowing that
Speaker 1: my immediate reaction to that whole situation and those photos
Speaker 1: was like, girlfriend, what the fuck are you doing? And
Speaker 1: then I had to sit with that and kind of go, Okay, well,
Speaker 1: why do you feel like this is it? Because you know,
Speaker 1: the is more about her body than it is about
Speaker 1: her loving relationship with her child. Yeah, there's some other
Speaker 1: layers to that that made me feel uncomfortable. But at
Speaker 1: the end of the day, why the fuck do we
Speaker 1: care so much about somebody else's journey. Yeah, but she
Speaker 1: for sure posted that baby photo because she looks banging.
Speaker 1: It's not about the baby, like it is what it is.
Speaker 1: It's not about the baby. You can't even see the
Speaker 1: baby's face, like he's over the back of the shoulder. Well,
Speaker 1: she has very consciously never posted photos of her baby's face.
Speaker 1: Maybe the photos that she chose are very much about
Speaker 1: her body, but the reality is is that her entire
Speaker 1: instagram is about her body. Also, I think maybe that
Speaker 1: there is a whole other element to this, the fact
Speaker 1: that she is a supermodel, the fact that her entire
Speaker 1: career has been built around the way she looks. There's
Speaker 1: another level there that maybe the majority of us can't
Speaker 1: tap into or even really understand. Well, Also, she's a
Speaker 1: business owner. She owns that swimwear company that she's wearing.
Speaker 1: Does she really yes, So, so she owns a swimwear company.
Speaker 1: It's her own swim one and her business is her
Speaker 1: body and her swimmers look I'm not a mum, but
Speaker 1: I I do find the whole chat about this really
Speaker 1: interesting and I still do have my opinions on it,
Speaker 1: regardless of being a mum or not.
Speaker 2: And I just do think.
Speaker 1: Overall we're too quick to judge sometimes. I think we
Speaker 1: need to give people the benefit of the doubt. Really,
Speaker 1: that's it. And it also made me think about myself
Speaker 1: and think about photos that I've taken. There have been
Speaker 1: plenty of times where I've taken photos with Marley or
Speaker 1: even with Lola and didn't realize in that one second
Speaker 1: when that photo was taken that the sun was shining
Speaker 1: right on their face.
Speaker 2: And so when I looked.
Speaker 1: At the photos back, I was like, oh, I'm not
Speaker 1: going to post that because somebody's gonna come at me
Speaker 1: and think I've got my kids out in the UV light.
Speaker 1: All the time, I remember you posting and correct me
Speaker 1: if I've got the details wrong, but this has just
Speaker 1: hit me. I remember you posting a photo that you
Speaker 1: got backlash from with Marley. I think it was at Iceberg's.
Speaker 1: You were on a balcony, you and Matt. There might
Speaker 1: be someone else, but you also had Marley and then
Speaker 1: behind you in the photo on a wall was a
Speaker 1: sign that said it was a smoking zone. How have
Speaker 1: I forgotten this? I don't know, but I'm just this
Speaker 1: is my mum brain. This is what's happened to me.
Speaker 1: My brain is just like a porridge puddle because you
Speaker 1: were trauatized because and like I mean, you tell the story,
Speaker 1: but I just remember how much hate you received because
Speaker 1: you took her into a zone that was smoking.
Speaker 2: There were no smokers around, were there.
Speaker 1: I actually cannot believe that I've brought this whole conversation
Speaker 1: about em Rada to the table and then forgot my
Speaker 1: own fucking experience, which is exactly that. Okay, So what
Speaker 1: happened was exactly what Britt said. Mali was only three
Speaker 1: weeks old. It was my very first time out of
Speaker 1: the house, and we'd gone to Icebergs for a lunch.
Speaker 1: Like I was sitting on a travel pillow. I was
Speaker 1: still like in the trauma of post delivery, let alone
Speaker 1: post parted.
Speaker 2: Like, just give the girl some food.
Speaker 1: I had some hemorrhoids, Like I was sitting on an
Speaker 1: ice pack and I was sitting down there having a
Speaker 1: six oysters.
Speaker 2: But you were like, this is my time to shine.
Speaker 1: You were determined to go and have your first outing
Speaker 1: as a mum for the very first time, and I
Speaker 1: was exhausted. I hadn't slept anyway. I wanted to just
Speaker 1: have like a cute photo with Matt and Mary, and
Speaker 1: we walked down to the balcony. There was nobody on
Speaker 1: the balcony and I saw a sign and in my
Speaker 1: head the sign said no smoking, like I saw I
Speaker 1: saw the sign. I even saw the sign when I
Speaker 1: posted the photo, and in my head it said no smoking.
Speaker 2: Because usually that's what it would say, because.
Speaker 1: Yeah, I don't even know that I've been to a
Speaker 1: venue except for Icebergs that has like a hey, smoke
Speaker 1: here sign welcome to the smoking section. It's like, that's
Speaker 1: weird for twenty twenty, right Anyway, So I took the photo.
Speaker 1: I posted it to Instagram and got a huge amount
Speaker 1: of backlash, like I can't believe you're taking a three
Speaker 1: week old into a smoking zone, as if you were
Speaker 1: going to.
Speaker 2: Take it around a bunch of people that were actually smoking.
Speaker 1: And Daily Mail posted the articles as well, like it
Speaker 1: was a whole thing, and I felt so pathetic. I
Speaker 1: felt so stupid. I was like, how could I have
Speaker 1: made this mistake. And now that you've said that, brit
Speaker 1: it just makes me think.
Speaker 2: And I know that you.
Speaker 1: Guys are going to go and look at this photo
Speaker 1: of em Rata and you're gonna think the same thing
Speaker 1: that I thought, which is like, WHOA, that is an
Speaker 1: interesting way of holding a baby.
Speaker 2: However, like the.
Speaker 1: Situation I had at Iceberg's, a photo shows one second.
Speaker 1: It is a fraction in time. And I don't think
Speaker 1: that we can base someone's parenting or their motherhood journey
Speaker 1: or how good they are at being a mum off
Speaker 1: one single photo. And if we find ourselves doing it,
Speaker 1: check yourself because like none of us so perfect mothers
Speaker 1: totally and like maybe she was having a signy and
Speaker 1: blown in his face. Like the long weekend guys, all right,
Speaker 1: before we get into our favorite section accidently unfiltered, we
Speaker 1: should just tell you what the episode is actually about.
Speaker 2: We have the very very divine Villa.
Speaker 1: Did that, I think the very divine Victoria Divine as
Speaker 1: a guest today. Now, Victoria hosts the very successful podcast
Speaker 1: She's on the Money.
Speaker 2: I'm sure you've heard about it.
Speaker 1: She has an insane Facebook group, like I think it's
Speaker 1: hundreds of thousands of people in the group that are all.
Speaker 2: Learning about finance. Now.
Speaker 1: I know when you hear us say finance, you think
Speaker 1: it's probably really boring. But this is such a great
Speaker 1: episode with Victoria, and the reason she's got the number
Speaker 1: one finance podcast is because she makes this podcast for millennials.
Speaker 1: She dumbs down information for us, and I'm not saying
Speaker 1: it's because we're dumb. I'm saying it's because finance is
Speaker 1: a really really particular topic and not everyone has the
Speaker 1: interest in not everyone can understand it because you don't
Speaker 1: learn this stuff in school. But Victoria finds a way
Speaker 1: to make it engaging, make it interesting, and just to
Speaker 1: give you the stuff you really need to know. Because
Speaker 1: ps she also has a book that comes out tomorrow.
Speaker 1: We've done actually a really big episode in the past
Speaker 1: called Show Me the Money, which is all about dating,
Speaker 1: relationships and finances and how you go about like dividing
Speaker 1: up your finances when you're in a relationship.
Speaker 2: Or if you're a single gal or guy I live
Speaker 2: in your single life.
Speaker 1: But this episode kind of goes into that a whole
Speaker 1: lot deeper, and it also kind of just gives you
Speaker 1: a bit more financial literacy to be able to make
Speaker 1: the decisions and live the life that you want to live.
Speaker 1: But before we get into the chat with Victoria, we're
Speaker 1: gonna do Accidently Unfiltered, which is our favorite part of
Speaker 1: every episode.
Speaker 2: Brittany hit me with your story. Okay, well I just
Speaker 2: have a quick one first.
Speaker 1: That was my own accidentally Unfiltered, which happened last a.
Speaker 2: Few days ago. Sherry inmightded me out for dinner.
Speaker 1: Now, I don't know if I said it before. I'm
Speaker 1: not a very good cook. I never have been a
Speaker 1: very good cook. It's not my thing. I don't enjoy it.
Speaker 1: I cook to survive. Brittany just cooks holofresh every day.
Speaker 1: Hello fresh, I'm not keen. That's the recently Helo fresh.
Speaker 1: And when it's not hallow fresh, it's like just toast.
Speaker 1: It's like a rap or toast. But I even burned toast.
Speaker 1: You come over the other da Laura. I was like,
Speaker 1: damn it, I've had to throw my toast in the
Speaker 1: bin because I couldn't even cook it proper. No, the
Speaker 1: toast had been sitting in the toaster since the morning
Speaker 1: and it was the evening.
Speaker 2: That's what had actually happened. I walked in.
Speaker 1: She was like, I just threw my breakfast in the
Speaker 1: bin and I've been sitting in the toaster all day.
Speaker 2: Oh it's one of those weeks.
Speaker 1: Anyway, Sherry invites me up because she's a nutritionist. She's
Speaker 1: a really good cook. She he loves it, she frosts it.
Speaker 1: So she's always cooks his elaborate food. So I got
Speaker 1: up there to get my home cooked meal.
Speaker 2: Hit. She asked me to do one job while she's
Speaker 2: slaving away. You're gonna laugh.
Speaker 1: I make my specialty is just like a rap with
Speaker 1: garlic and butter on it.
Speaker 2: It's just a garlic bread.
Speaker 1: On a rap.
Speaker 2: That's what I do. And then I put in the
Speaker 2: arbit That's all I do.
Speaker 1: So she's like, can you just whive up the entree
Speaker 1: which is like literally a garlic bread And I was like, yes, yes,
Speaker 1: I can nailing it. And they were like because Jay
Speaker 1: as well, They're both like, that's you do that really well.
Speaker 1: They're really encouraging of me. And it was like, in
Speaker 1: the morning, you don't have to prop me up. I'll
Speaker 1: make the garlic bread. So I go and get the rap,
Speaker 1: get the butter, get the crush garlic.
Speaker 2: That's it. It's not hard. And I sprinkle some cheese
Speaker 2: on top. Sorry, butted it up. Then I put all
Speaker 2: the crushed out of the jar, crushed garlic on it,
Speaker 2: and I put the cheese on it, put in the oven.
Speaker 2: Ten minutes later I come back, I'm like, fuck, yeah,
Speaker 2: now that's perfect.
Speaker 1: We're bite into it simultaneously. And I realized that I
Speaker 1: covered it in ginger. It's just crushed ginger. So you
Speaker 1: know that you have like master food, crushed garlics and ginger.
Speaker 2: They come in the same jar.
Speaker 1: I'm going to tell you that I have those in
Speaker 1: my fridge and the ginger does not look like garlic
Speaker 1: would not look the same.
Speaker 2: I'm blacked out. I don't know what happened anyway, that
Speaker 2: was really funny like that.
Speaker 1: You're keeping like it's been it's been a tough week,
Speaker 1: and it's like, no, it's just been a tough life.
Speaker 2: It's a tough life.
Speaker 1: Okay, all right, Well, I've got one that's been written
Speaker 1: in by a listener, and here we are.
Speaker 2: It's actually a really sweet one.
Speaker 1: None of these ones today have anything to do with poop,
Speaker 1: which is a real highlight for us. It was the
Speaker 1: first day at a new job and it was a
Speaker 1: small regional office, so only about eleven staff in the office.
Speaker 1: It was lunchtime and I was starving. I went and
Speaker 1: I got my lunch out of the fridge that my
Speaker 1: boyfriend had made me, and I was so hungry I
Speaker 1: just started inhaling it. It was really cute that he'd
Speaker 1: made it for me because it was my first day
Speaker 1: of work and he was really proud of me. So
Speaker 1: I was pleasantly surprised as it was a delicious pearl cuscous.
Speaker 2: Salad with all my favorite things.
Speaker 1: It was halloomi and avocado and yummy yogat dressing, you
Speaker 1: name it. My boyfriend had never made anything so delicious
Speaker 1: or special for me before. My new boss came in
Speaker 1: and looked in the fridge and then looked at me,
Speaker 1: and then looked back at the fridge and said, are you.
Speaker 2: Need my lunch? I saw that coming.
Speaker 1: I looked at it her and looked back at my
Speaker 1: now almost empty container before a dawn on me that
Speaker 1: I had never even taken my lunch out of my
Speaker 1: fucking bag. Mortified, safe to say, she didn't want my
Speaker 1: shitty past to salad that my boyfriend made that had
Speaker 1: absolutely no trimmings. Anyway, I'm still known as the girl
Speaker 1: who was the lunch stooler.
Speaker 2: Les also of many day to do it day one
Speaker 2: of your new jobs, like the Lash's lunch.
Speaker 1: Do you know what Matt's best friend, Oh, this is
Speaker 1: going to come back to buye me. Best friend when
Speaker 1: he used to live in the UK, used to steal
Speaker 1: people's lunches. I think that pisces that piss.
Speaker 2: That is not okay.
Speaker 1: He'd just be like, oh, well, looks good. I'll have
Speaker 1: a couple of spoonfuls of that person's lunch. When fucked up,
Speaker 1: you've done the same. No, this is actually fucked up.
Speaker 1: This was someone we used to work with years and
Speaker 1: years and years ago. I'm not going to tell you
Speaker 1: him what department or what they did. I don't even
Speaker 1: remember their name. They got fired. But what they were
Speaker 1: for stealing lunch no worse. I mean that's a that's
Speaker 1: a fireable offense right there.
Speaker 2: It is.
Speaker 1: But they were a loose cannon. He was so convinced
Speaker 1: that people were taking his lunch. They I don't think
Speaker 1: they were. I think he actually had some things going
Speaker 1: on upstairs. He was so convinced that he started to
Speaker 1: bring his lunch in put in the fridge. Then he
Speaker 1: would put and I'm not exaggerating, a dead rat on
Speaker 1: the top of the lunch so that no one so
Speaker 1: that no one would take it, because that was that I'm.
Speaker 2: Not kidding, And then he would eat his own lunch.
Speaker 1: They had had a dead on top of it, yeah,
Speaker 1: because then no one had steal it.
Speaker 2: I had dead run on anyway, good fire. He's a sicko. Obviously.
Speaker 1: When I was like really poor, and I don't say
Speaker 1: I was really poor, lightly like when I was like
Speaker 1: in Uni and I had moved out of home and
Speaker 1: had no money, and I was working in a job
Speaker 1: that paid me thirty thousand dollars a year, but I
Speaker 1: was living outside of homes, I had pay rent and
Speaker 1: everything else.
Speaker 2: Like it was grim. I reconized all of you lunch,
Speaker 2: did you from whom at the work? No, just I
Speaker 2: wouldn't steal whole lunch. I'd just steal a bit of
Speaker 2: a lunch or just one bite of the singer and
Speaker 2: put it back. If it was like they'd had yogurt
Speaker 2: or something, just take a yoga.
Speaker 3: Sure, Rah.
Speaker 2: I was young and wild and.
Speaker 1: Frame and poor at what work enviroment, we were the
Speaker 1: lunches that you were stealing like properly from a cafe
Speaker 1: or from like no from the fridge, other like your work, yeah,
Speaker 1: from like my stuff and no one ever like my
Speaker 1: colleagues who like are my friends good friends? All right, guys,
Speaker 1: let's get his interview with Victoria. We are lucky enough
Speaker 1: to have financial expert Victoria Divine on the podcast today.
Speaker 2: And now, look, Laura and I we love money. Let's
Speaker 2: be real.
Speaker 1: I love money, but that's about as much as we
Speaker 1: know about money.
Speaker 2: I don't have enough money, but I still really love it.
Speaker 1: No, but we want to know how we can get more,
Speaker 1: so we got Victoria on the pod. Victoria is a
Speaker 1: multi award winning financial advisor who is literally transforming the
Speaker 1: way millennials think about money because all we think about
Speaker 1: is spending it and buying avocado. On host with a
Speaker 1: background in behavioral psychology, her own financial advisory business, and
Speaker 1: a chart topping podcast which we all know and love
Speaker 1: called She's on the Money, Victoria knows what makes millennials
Speaker 1: tick and how we should and shouldn't be spending our money.
Speaker 1: So Victoria, welcome to Life on Cut and we can't
Speaker 1: wait for you to make as millionaires.
Speaker 3: Well, I hate to break it to you, but that's
Speaker 3: probably not what we're going to do to but you
Speaker 3: know what, we can work towards it, Vitor.
Speaker 1: Before we actually get started, though, there's something that we
Speaker 1: do on every episode and we ask all our guests
Speaker 1: to contribute to this very special part of what makes
Speaker 1: life life uncut now that is called accidentally unfiltered. And
Speaker 1: I would like to know what is your most embarrassing
Speaker 1: story share it with everyone so we can laugh at
Speaker 1: you together.
Speaker 3: Some of them are too embarrassing. I mean the time
Speaker 3: in you know what, this is really embarrassing because I
Speaker 3: was like, oh, tell them about so last week I'll
Speaker 3: give you two.
Speaker 4: Are you ready? Last week COVID.
Speaker 3: Normal now in Melbourne, So, like, real life meetings are
Speaker 3: happening again. And I've gotten so used to coming to
Speaker 3: work in my active wear and just looking like an
Speaker 3: absolute twit, like think top knot that's terrible, Like no bra,
Speaker 3: Like I've been wearing like singlets with like hoodies and
Speaker 3: like a pair of tights.
Speaker 4: It's been great.
Speaker 3: So the other day I came to work looking like
Speaker 3: the true me, which is Lululemon leggings, a pair of
Speaker 3: white birkenstocks, no bra, a singlet and a hoodie, so
Speaker 3: that like I was somewhat in my opinion, presentable, right,
Speaker 3: and then.
Speaker 2: Jess my assistant, at least they put pants on.
Speaker 4: Yeah.
Speaker 3: Sorry, I can't believe I did either, but it turns
Speaker 3: out I didn't want to get arrested on Colin Street
Speaker 3: in the city and something I do, like on the
Speaker 3: other side, not just podcasting, as I do run a
Speaker 3: financial advisory firm. And I came to work and Jess,
Speaker 3: my assistant, was like cool, so, like are you changing?
Speaker 3: And I was like for what And she's like, you know,
Speaker 3: at ten am, you've got a board meeting down the
Speaker 3: other end of the city. And I was like what,
Speaker 3: and she's like yeah, yeah, like for your finance practice,
Speaker 3: Like you've got to go to this, like absolutely, like
Speaker 3: really important board meeting. It's about compliance and like you know,
Speaker 3: the new Foresea rules. And I was just like, ah,
Speaker 3: so I didn't have time between the meetings that I
Speaker 3: had to even go to the shops and get a
Speaker 3: dress or something. So I was just like, you know
Speaker 3: what if they don't accept me as who I am,
Speaker 3: thought it was fine.
Speaker 1: Oh you needed some duct tape around the boobs. You
Speaker 1: can improve that bra any day of the week.
Speaker 2: Girl.
Speaker 4: It was fine.
Speaker 3: Band aids, by the way, is what's sufficed on that day.
Speaker 3: So I go to this meeting. I'd hyped myself up
Speaker 3: there to be fine and like keep some people would
Speaker 3: have zoomed in. No, it was a room full of
Speaker 3: middle aged white men in their suits and then me
Speaker 3: in my in my active wear. I'm like, it's more
Speaker 3: embarrassing because I walk in and they're like, oh my god,
Speaker 3: she's the one with the podcast, and I'm like, yeah, cool,
Speaker 3: if you guys could just pretend you didn't see this. Yeah,
Speaker 3: So that was really good. And I had to sit
Speaker 3: there not for one hour, not for two hours, but
Speaker 3: for nearly three hours of compliance training. While all of
Speaker 3: these men in suits were like, yes, this is very important.
Speaker 4: I'm like yeah, okay, Like great.
Speaker 1: Do you know what's so funny is you've just literally
Speaker 1: described Laura and I to a tea like literally, now,
Speaker 1: this is what we look like every day of the week.
Speaker 1: We look like this, to the point that yesterday I
Speaker 1: had to make a conscious effort to say to Laura, Laura,
Speaker 1: I need to remind you we have this really big
Speaker 1: presentation coming up soon. We're gonna be on a panel
Speaker 1: and she's like yeah, and I'm like, well, you need
Speaker 1: to find something to wear because all.
Speaker 2: We wear is active wear and e and trainers. I mean,
Speaker 2: I was still slightly offended by that. I was like,
Speaker 2: I do know how to dress and go out in public.
Speaker 2: It's okay.
Speaker 1: You don't have to remind me, Like I'm your child,
Speaker 1: can please go by something to wear?
Speaker 2: No, it was both of us. We both forget how
Speaker 2: the dress normally. It's ridiculous.
Speaker 3: That was embarrassing, but arguably not the worst thing to
Speaker 3: ever happen. I don't wear black right, not very often,
Speaker 3: so like black is forgiving for everything, especially when you
Speaker 3: get your period. And I was giving a presentation at
Speaker 3: a conference one time, this is probably like two years ago,
Speaker 3: on financial literacy, and I was wearing this beautiful cream
Speaker 3: skirt that I have owned for a very long time.
Speaker 4: Come off stage.
Speaker 3: I'm a walker like and I'm someone who like talks
Speaker 3: with my hands a lot. Come off stage to find
Speaker 3: that I had my period. And there's no way, there
Speaker 3: is no way that people didn't see the massive patch
Speaker 3: on the back of my cream skirt.
Speaker 2: I have my head in my jacket. I'm so mortified.
Speaker 1: For you.
Speaker 2: I'm like, oh my god, I can't listen to this.
Speaker 3: And I think it's worse because thankfully it wasn't filmed,
Speaker 3: so that was good. But nobody said anything, like not
Speaker 3: one person like came up to me said, bab do
Speaker 3: you know what, maybe you should go change your skirt
Speaker 3: because we were staying in that hotel too.
Speaker 1: Why daddy, No, It's like, hey, baby, you've just got
Speaker 1: some crumbs on your face and some period on your butt,
Speaker 1: Like you need to go check that out. I mean,
Speaker 1: there's a whole other conversation in this around why we
Speaker 1: shouldn't be embarrassed when we get our periods and why, like,
Speaker 1: you know, the stigma around it needs to change. There's
Speaker 1: a greater conversation here, but right now I'm fucking dying. Also,
Speaker 1: women have a duty to tell each other. Women have
Speaker 1: a duty to say, look, I don't know if you know,
Speaker 1: but you have bled through.
Speaker 3: Your pants exactly, And it was a beautiful silk skirt,
Speaker 3: and you know how silk flows like, so I clearly
Speaker 3: sat on it and then stood up, so it's just
Speaker 3: like beautifully flowing. Anyway, I think the worst part about
Speaker 3: it was I was staying in the same hotel. So
Speaker 3: it would have been a really easy fix for me
Speaker 3: to pop upstairs, put a new body outfit on, and
Speaker 3: come downstairs. And no, nobody had the due diligence. They
Speaker 3: didn't think of me. They don't care about me. They
Speaker 3: didn't tell me that I had bled through my skirt, okay.
Speaker 4: And yeah, that's the most embarrassing.
Speaker 1: What I love about this the most is that just
Speaker 1: before we actually sat recording, Victoria was saying that her
Speaker 1: producer was like, are you sure you want to go
Speaker 1: on Life on Cut? Like they talk about sex and
Speaker 1: they talk about they talk about other things than finance.
Speaker 2: Are you sure you want to do it a podcast
Speaker 2: episode with them?
Speaker 1: Yeah, we haven't said one thing about finance, And here
Speaker 1: you are talking about the time that you got your
Speaker 1: public period. Welcome to Life on Cut. That's Hey, this
Speaker 1: is what we This is how we roll, baby, this
Speaker 1: is just what we do best. Let's get into the
Speaker 1: finance questions and like, this is a bit of a
Speaker 1: different pivot for us, Like we have done one episode
Speaker 1: in the past, which is around sharing your finances in
Speaker 1: a relationship and the importance of talking about finances with
Speaker 1: your partner. But we wanted to do a bit more
Speaker 1: of a greater conversation around finances with Victoria because she
Speaker 1: is the expert, and also how you can apply that
Speaker 1: to your every day So let's jump on in, and
Speaker 1: I think the very first thing I want to know
Speaker 1: from your perspective, from someone who deals with questions all
Speaker 1: day long from people who write in across the podcast world,
Speaker 1: what is the number one question that you get asked
Speaker 1: day to day from millennials around finance?
Speaker 2: What is the biggest problem?
Speaker 3: So the biggest problem is how do I save? And
Speaker 3: then the second biggest problem is how do I invest?
Speaker 3: So I feel like there's obviously lots of other stuff
Speaker 3: around that, but if we really distill down the real
Speaker 3: questions they're asking, it's how do I achieve my financial goal,
Speaker 3: which to me is how do I prioritize my savings
Speaker 3: because as millennials and as young women, it is so
Speaker 3: hard in a you know, in the age of Instagram,
Speaker 3: right like watching everybody else live their best life, you
Speaker 3: kind of want to live yours as well. And at
Speaker 3: the same time, you really want to buy a house
Speaker 3: or go on these really big holidays, but unfortunately most
Speaker 3: of that requires significant you know, let's call it sacrifice
Speaker 3: to save, and it's like, well, how do I do
Speaker 3: that and still maintain my lifestyle? You know, as Britt
Speaker 3: said before, like we want to eat our avocado toast,
Speaker 3: and like, how do we maintain a brunchy lifestyle while
Speaker 3: still making sure that I'm not poor in retirement?
Speaker 1: To be honest, so do you think, like we talk
Speaker 1: a lot about comparison culture, and do you think comparison
Speaker 1: culture plays a massive part in the reason why we're
Speaker 1: not able to save? And maybe it is the smashed
Speaker 1: avocado toast that is, you know, holding us back from
Speaker 1: being able to reach those financial goals.
Speaker 4: Huge.
Speaker 3: Comparison culture, genuinely, to me, is the thief of so
Speaker 3: much joy for so many people. And it's funny because
Speaker 3: we all have different values, and we all have different
Speaker 3: mindsets and you know, beliefs around money, and we start
Speaker 3: believing that these are the things we want. Like we
Speaker 3: see our favorite Instagram influencers buying houses and renovating homes,
Speaker 3: and you go, well, that's what I want to do.
Speaker 3: And then once you get down to the crux of it,
Speaker 3: so many people like, oh yeah, like I want to
Speaker 3: do it because that's what you do and you're like okay,
Speaker 3: but like why, They're like because it's what you do,
Speaker 3: Like okay, but like why. And if you can't properly
Speaker 3: tell me why you want something, then more often than not,
Speaker 3: it's just because you're being influenced by the world that's
Speaker 3: surrounding you. And owning a home in twenty twenty one
Speaker 3: is hard, and it is a really big financial commitment.
Speaker 3: And to be honest, I'm seeing a lot of millennials
Speaker 3: nowadays who just are like, you know what, it's too hard.
Speaker 3: I'm just going to I'm going to create wealth in
Speaker 3: a different way. That's not a priority to me. It's
Speaker 3: not a financial commitment that I actually want to make,
Speaker 3: and I go more power to you, Like it is
Speaker 3: a massive financial commitment. It is something that takes significant sacrifice,
Speaker 3: and it's not as easy as it was thirty fifty
Speaker 3: years ago to acquire property. So for me, I think
Speaker 3: that comparison culture is massive and it really does play
Speaker 3: into it, whether you want to admit that it's influenced
Speaker 3: you or not.
Speaker 1: It's really interesting you say that. And this kind of
Speaker 1: brings me back to an interview that we did a
Speaker 1: really long time ago with Samantha Wills and it was
Speaker 1: around starting businesses and being an entrepreneur and something that
Speaker 1: she said, which was like, everybody feels like they need
Speaker 1: to start a small business because everybody else is doing it.
Speaker 1: Everybody feels like they have to have their own project
Speaker 1: that's their own business. And the reality is is that
Speaker 1: there's so much that goes into having your own business
Speaker 1: that isn't just having a product that you can sell
Speaker 1: an Etsy, and you've got to be really passionate about
Speaker 1: the business side of things.
Speaker 2: But because we see so many people.
Speaker 1: Doing it and seemingly doing it in a really successful
Speaker 1: way across Instagram and social media, we think we have to.
Speaker 2: Do that as well.
Speaker 1: And I really do totally align with what you've just
Speaker 1: said in regards to buying property and renovating. I have
Speaker 1: no idea how to renovate. I have no passion for
Speaker 1: renovating whatsoever. And I think things like the block is
Speaker 1: a big part of the massive But even Matt's like,
Speaker 1: maybe we just need to buy a shitty house and
Speaker 1: renovate the house.
Speaker 4: Oh good, idea, that won't end in disaster.
Speaker 1: Let's do that with two babies. It sounds fucking terrible.
Speaker 3: But the thing about wealth and wealth creation is it's
Speaker 3: so invisible, Like you can't see how much money you've
Speaker 3: got in a savings account when you buy a property,
Speaker 3: like yeah, you might get one sexy Instagram post if
Speaker 3: you're putting a sold sign up, but then the rest
Speaker 3: of it's all you being like, oh my god, I
Speaker 3: just bought this house in the kitchen dank, like cannot
Speaker 3: get rid of the flies. Like it's one of those
Speaker 3: things that you see the door bags and you don't
Speaker 3: see the associated debt that they're going into to potentially
Speaker 3: acquire those things. And you know, I'm lucky to be
Speaker 3: in the space where I do have a profile as
Speaker 3: a financial advisor, right, which means I do have a
Speaker 3: lot of social media clients, and the amount of times
Speaker 3: I speak to you know, smaller influencers who say, Victoria
Speaker 3: really need your help managing this, and I go, great,
Speaker 3: no problems, let's set it up. And I do a
Speaker 3: lot of cash flow for them and you know, talking
Speaker 3: to them about how to charge and whatever else. But
Speaker 3: the amount of times they come to me with personal
Speaker 3: debt because even the influencers have been trying to keep
Speaker 3: up with the joneses and keep up with what's going
Speaker 3: on and they're like, yep, cool. Well, you know, I
Speaker 3: get sent so many dresses and clothes. I just needed
Speaker 3: beautiful accessories so that I could really create great.
Speaker 4: Content with it.
Speaker 3: And it's like have we all lost our brains? Like
Speaker 3: is that actually what we should be doing? Like I
Speaker 3: get having a beautiful bag, and please don't get me wrong,
Speaker 3: Like I have a couple of really beautiful designer bags
Speaker 3: that I have worked my butt off for, but it's.
Speaker 4: Not something that I've purchased regularly.
Speaker 3: And you know, I have this one bag and I'm
Speaker 3: always putting it on chairs and like I won't put
Speaker 3: it on the ground, and it's like a child.
Speaker 4: To me, right, Like I worked so hard to acquire that.
Speaker 3: I bought that when I had a really big milestone,
Speaker 3: and you know what, that makes me feel good about myself.
Speaker 4: But I would feel terrible if people.
Speaker 3: On Instagram saw that and thought, oh, well, she has one,
Speaker 3: I need one, Like they don't see that that was
Speaker 3: actually a milestone thing for me, and that's, you know,
Speaker 3: something that I worked my butt off for and I
Speaker 3: waited to purchase until after I had a house and
Speaker 3: after I definitely didn't have any debt and all of
Speaker 3: those other things, And I think that wealth generation and
Speaker 3: financial security is invisible, and that's why it's so hard
Speaker 3: to prioritize in a world where Instagram is so massive,
Speaker 3: and it's just very, very hard to swallow. And I
Speaker 3: think that it's hard to see as well, because we
Speaker 3: don't understand more often than not, what is sponsored and
Speaker 3: what isn't sponsored, And you know, what influences have been
Speaker 3: gifted things and what hasn't been gifted, like what's real
Speaker 3: and what's fake. It's really hard to differentiate that at
Speaker 3: this point in time.
Speaker 1: What's it like for you working in an industry that
Speaker 1: is so predominantly male focused, finance in general, it attracts
Speaker 1: a lot of male attention. What is it like being
Speaker 1: a female in that industry?
Speaker 3: To be honest, nowadays, it's not as hard as it
Speaker 3: used to be, But when I first started, it was
Speaker 3: definitely very challenging because it meant that I had to
Speaker 3: have a level of confidence I genuinely didn't have. I'd
Speaker 3: have to walk into rooms and like a lot of
Speaker 3: what I do obviously as a financial advisor day to day,
Speaker 3: it's one on one, Like I get to talk to
Speaker 3: clients and I don't actually have that overloording feeling of
Speaker 3: you know, middle aged white men with mediocre attitudes coming
Speaker 3: over at me and you know, thinking that they're all
Speaker 3: that shit and I'm not. But it's always when I
Speaker 3: go to a conference or I go to CPD because
Speaker 3: every year I need to do a certain amount of
Speaker 3: training and education to make sure that I can still
Speaker 3: maintain my license as a financial advisor because I am legit, unfortunately,
Speaker 3: and it means.
Speaker 4: There's a lot of work.
Speaker 3: But I would go into conference rooms and they would
Speaker 3: just be full of men, and you know, it's not
Speaker 3: the worst thing to walk into a room full of men,
Speaker 3: but it's when they go where do you work, and
Speaker 3: you go, I work for myself.
Speaker 4: Oh okay, Like what do you do?
Speaker 3: And you'd be like financial advisor and they'd be like, so,
Speaker 3: who do you work with and I'd be like, no, no, no,
Speaker 3: it's me, Like this is my team, and they're like, oh, okay,
Speaker 3: so you've got a business partner. Like they could not
Speaker 3: conceptualize the idea that maybe I was just out on
Speaker 3: my own, and you know, I'd never given anybody the
Speaker 3: impression that there was somebody else in the background, but
Speaker 3: they'd always assume that there's no way she could have
Speaker 3: done it on her own. And so I think for
Speaker 3: me that was one of the hardest things to overcome
Speaker 3: is always being like, no, no, no, I am a
Speaker 3: financial advisor and I own that practice, and they're like, oh, okay, cool,
Speaker 3: Like where did that come from.
Speaker 1: I think a lot of the time this kind of
Speaker 1: thing is it's not conscious. I think it's subconsciously they think, Okay,
Speaker 1: where's the business partner, where's the man. And they wouldn't
Speaker 1: be doing that to be detrimental towards you or anything
Speaker 1: that you have built on your sense, But it's just
Speaker 1: something we all assume that one young individual on their
Speaker 1: own can't create this much success. I think we all
Speaker 1: just like to think because it makes ourselves feel better
Speaker 1: that they're surely they didn't do it on their own.
Speaker 1: And there is a whole lot of sexism that's heavily
Speaker 1: loaded into it. I mean, I don't think that we
Speaker 1: can extrapolate that entirely, Like there are industries that are
Speaker 1: heavily male dominated because their content and the study of
Speaker 1: that content is what's been traditionally thought to be for men.
Speaker 1: Like I mean, if we think about money in the
Speaker 1: history and who controls the finances in a house. Yeah,
Speaker 1: traditionally it's the men, and I think that that kind
Speaker 1: of leads me into my next question for you, but
Speaker 1: it's more around do you.
Speaker 2: Think that men and women approach money differently?
Speaker 1: Still, and talk me through sort of like how we're
Speaker 1: breaking down those stereotypes around how men and women approach money.
Speaker 3: Yeah, I do absolutely think men and women approach money differently.
Speaker 3: And it's not just me thinking that. There's research out
Speaker 3: there to say that men and women are very different
Speaker 3: when it comes to finances, and a lot of it
Speaker 3: is around our ability to take on risk, So women
Speaker 3: are much less likely to take risk than men. But
Speaker 3: also women want all the facts before we make a decision,
Speaker 3: so we are more than likely to feel as though
Speaker 3: we're uneducated on a topic when we know fifty percent
Speaker 3: of the information, whereas men they know fifty percent. They're like, great,
Speaker 3: I can take a decision rail road ahead, right like,
Speaker 3: whereas you and I might go okay, cool, Like I
Speaker 3: know I need to do X, Y and Z, but
Speaker 3: I just don't know once I've done that, what the
Speaker 3: next step is. So I'm not really going to take
Speaker 3: the first step because I don't know what the second
Speaker 3: step looks like. So women are a lot more conservative
Speaker 3: when it comes to money and saving, but I think
Speaker 3: that that's not a bad thing. But historically speaking, if
Speaker 3: we look at you know, social media, we look at
Speaker 3: you know, product providers, we look at banks, they've never
Speaker 3: really spoken to women. And the fact that we do
Speaker 3: want all of the information upfront, and we do want
Speaker 3: to be educated, and we do actually want to feel
Speaker 3: empowered by these decisions before we actually make them. And
Speaker 3: I think that that's something that I'm really trying to
Speaker 3: do in Cheese on the Money, and that's give you
Speaker 3: the education that you genuinely feel you need to make
Speaker 3: good financial decisions. Because so many people talk to me
Speaker 3: every day about okay, Victoria, like I'm not confident about XYZX,
Speaker 3: no problems. I'll educate you, then you can make the
Speaker 3: decision for yourself, because a lot of people think that
Speaker 3: as a financial advisor, my job is to just tell
Speaker 3: you what the answer is. And it's kind of like, well,
Speaker 3: how am I going to instill long term financial success
Speaker 3: in people if I don't teach them the things they
Speaker 3: need to know?
Speaker 1: And see, I'm one of those people. I'm super guilty.
Speaker 1: I'm the one that goes to them and I'm like, hey,
Speaker 1: this is what i've got. Can you turn into this,
Speaker 1: tell me what to invest in? Don't ask Like they'll
Speaker 1: often write to me and they'll say, hey, I need
Speaker 1: you to say yes or no to this, and I'm like, no,
Speaker 1: that's why I'm paying you. I was like, I don't
Speaker 1: make these decisions. Like my brother's a financial advisor and
Speaker 1: I'm always going to him for like under the book advice,
Speaker 1: you know, just family.
Speaker 4: Yeah, good, good good.
Speaker 2: But he's also like.
Speaker 1: Britt, I don't want to invest any of your money
Speaker 1: because if I lose it, you're gonna hold that against me.
Speaker 1: And he's like, whilst I don't think I will lose it,
Speaker 1: I'm just going to give you the tools you need.
Speaker 1: And I'm like that's not good enough.
Speaker 3: Tell me, yes, that's not what I wanted. I'm like
Speaker 3: that as well. I want the answers, so I totally
Speaker 3: get it. And to be honest, when I've got clients,
Speaker 3: that's easy, like I can make those decisions. But she's
Speaker 3: on the money. It's not necessarily about you know, taking
Speaker 3: on new clients. It's always about teaching you how fish
Speaker 3: instead of giving you the fish, whereas financial advice. You know,
Speaker 3: if you went and said, look, I actually want advice,
Speaker 3: I want a financial advisor, they should be actually just going.
Speaker 4: Okay, brit what are your goals? How does that work?
Speaker 3: Okay, here's what we are going to do. Are you
Speaker 3: comfortable with that? And then they can manage it. So
Speaker 3: there's to me, a really big difference between financial advice
Speaker 3: and financial literacy, and in this world we don't actually
Speaker 3: talk about that difference. Everybody thinks that they need financial
Speaker 3: advice when they actually just need to learn how to
Speaker 3: do a budget. And a financial advisor can't teach you
Speaker 3: how to spend less, and I mean predominantly we could.
Speaker 3: I could sit you down and be like, okay, brit
Speaker 3: you are spending too much on those to your bags.
Speaker 3: But I think that we also need to remember that
Speaker 3: that's actually entirely within your control. You're right, But once
Speaker 3: you've got all of those savings, I would help you
Speaker 3: make that decision as a financial advisor on how to
Speaker 3: invest it to create wealth. And so many times people
Speaker 3: come to me like try and need a financial advisor.
Speaker 3: I'm like, no, no, no, let's talk what do you
Speaker 3: actually need? Like, what's the solution here. Oh well, actually
Speaker 3: I just have you know, a small amount of personal debt,
Speaker 3: not good at saving. It's like you don't need that.
Speaker 3: You actually need someone to sit you down and just
Speaker 3: do a budget. And that might be a financial counselor
Speaker 3: it might be a money coach, or it might be
Speaker 3: just you know. I've started an online course for this,
Speaker 3: like so that you can go and teach yourself, and
Speaker 3: I think that that's really powerful in itself, knowing that
Speaker 3: there's a difference between literacy and then advice, because advice
Speaker 3: is you actually paying me for advice, whereas literacy is
Speaker 3: me teaching you the skills that you need at a baseline.
Speaker 1: So we obviously have I mean, we have male listeners,
Speaker 1: but we would be lying if we didn't say we
Speaker 1: were predominantly a female podcast. You know, I think like
Speaker 1: ninety five percent of our listeners are female.
Speaker 2: Yeah.
Speaker 4: Absolutely.
Speaker 1: Why do you think it's so important that as women
Speaker 1: we start taking real control over our financial decisions, over
Speaker 1: our choices, and also over the information that we.
Speaker 3: Know, Because Laura, we're already behind. There's already the pay gap,
Speaker 3: and unfortunately that's going to take another hundred years at
Speaker 3: the rate that we're going to make that any closer.
Speaker 4: Together.
Speaker 3: We also outlive men, so we're gonna live longer. So
Speaker 3: regardless of whether a man is a financial plan for
Speaker 3: you right now, they're probably gonna die before you. And
Speaker 3: at some point, if I'm being really morbid, you're gonna
Speaker 3: have to manage the finances on your own. This is
Speaker 3: just a fact of life. And I'm quite blunt about
Speaker 3: these things because it's just like, Okay, I know that
Speaker 3: you know your partner might be really wealthy, or you
Speaker 3: plan to marry well or whatever it is, but like
Speaker 3: that doesn't allow you the financial freedom that you deserve.
Speaker 3: And when I say financial freedom, we're not talking about
Speaker 3: being absolutely loaded. We are talking about having the ability
Speaker 3: of choice, and that is something that not everybody is afforded, right, So,
Speaker 3: like too many times do we hear stories of domestic
Speaker 3: violence or you know, someone's partner cheating on somebody else
Speaker 3: and then wanting to leave a situation, but money is
Speaker 3: the reason they are unable to. If you are putting
Speaker 3: yourself in a position where you are financially literate and
Speaker 3: you know how to save, you know you've got your
Speaker 3: own little little get out of jail free card fund
Speaker 3: and you're actually financially literate, nothing is going to be
Speaker 3: able to beat you down in a way. But I
Speaker 3: see too many women who are in their early forties,
Speaker 3: like late thirties, early forties, who are going through a
Speaker 3: divorce and I literally sit down with them and I go, hey, great,
Speaker 3: like this is going on. I obviously can't change that,
Speaker 3: but they say they need me because you know, they
Speaker 3: need the financial education and they don't even know how
Speaker 3: to log into their banking apps. And I just think, great,
Speaker 3: if you're in a fantastic partnership and it's not your
Speaker 3: job in the relationship to manage money, that's actually fine.
Speaker 3: I'm not asking you to always be on top of
Speaker 3: it and you know, not divvy up jobs in a relationship,
Speaker 3: but I want you to be able to do those
Speaker 3: things so if push comes to shove, you can stand
Speaker 3: on your own two feet.
Speaker 2: Yeah.
Speaker 1: We have spoken about this loads, and that was actually
Speaker 1: one of the things that we touched on when we
Speaker 1: did our finance episode a while back. And it's so important,
Speaker 1: like even if you do have a joint income and
Speaker 1: you share everything as a couple, like I really advocate
Speaker 1: for how important it is to keep some savings that
Speaker 1: are your own savings, and it's just yes, maybe it's
Speaker 1: so you can treat yourself, but it's also in case
Speaker 1: of a rainy day or in case something does happen
Speaker 1: and you need to leave or extract yourself for whatever reason.
Speaker 1: And I know that that's worst case snow and it
Speaker 1: seems a bit morbid, but I think as women, it's
Speaker 1: something that we need to be really conscious of. And
Speaker 1: putting all of your money and all of your finances
Speaker 1: and all of your savings together doesn't give you that
Speaker 1: flexibility if you need to leave exactly.
Speaker 3: And it's not just this relationship piece either, right like
Speaker 3: having your own and you know, to be a bit vulgar,
Speaker 3: it's called an f off fund, so that you can.
Speaker 4: Tell anything to f off.
Speaker 2: Sorry what was that?
Speaker 3: Yeah, look that's what it's called, right like, And that's
Speaker 3: what I talk to my clients about because it feels
Speaker 3: a little bit more empowering. So you can tell any job,
Speaker 3: any person, any situation to leave if you want to.
Speaker 3: It's not just about relationships, right it's actually you're having
Speaker 3: a really terrible time at work. You really don't want
Speaker 3: to be in that job. It's impacting your mental health
Speaker 3: so significant, you're like, you know what, I just want
Speaker 3: to throw the towel in. I know I've got ten
Speaker 3: grand saved that'll cover my costs until I find a
Speaker 3: new job. Like for so many people, just having that
Speaker 3: financial freedom to say no to any situation is so empowering.
Speaker 3: And knowing that you've got access to money should you
Speaker 3: ever need it puts you in a position where you're
Speaker 3: just more confident as a person, and I think that
Speaker 3: that is something we all deserve.
Speaker 1: Whilst we're on this topic about relationships and money and
Speaker 1: having different accounts, what do you think about how quickly
Speaker 1: in a relationship you should start to share money. Now
Speaker 1: we've just discussed the fact that you should always keep
Speaker 1: a little fuck off account for yourself always, and a
Speaker 1: very big advocate for that, but I also do believe
Speaker 1: in and this is just me. Everyone's different, but I
Speaker 1: believe in a relationship you should be also pulling money
Speaker 1: for certain things that you're going to pay for together,
Speaker 1: whether that is your rent, whether it is like maybe
Speaker 1: it's a fun account that you want to go and
Speaker 1: do things on the weekend, or.
Speaker 2: Whatever it is.
Speaker 1: How quickly in a relationship do you think people should
Speaker 1: start to share their money. Do they wait till they
Speaker 1: live together, do they wait for a certain time period.
Speaker 3: So interesting question, and my response to that is personal
Speaker 3: finance is just that it's personal and there's no right,
Speaker 3: there's no wrong. So I personally, I talk about this
Speaker 3: all the time on my podcast. I share all of
Speaker 3: my money with my partner because we are together working
Speaker 3: towards some pretty big goals. I'm grateful that, you know,
Speaker 3: recently I've been able to purchase our first home together,
Speaker 3: and it kind of just makes sense for our situation.
Speaker 3: I mean, we don't have kids yet, but I have
Speaker 3: three for children, and we look after those, and it's
Speaker 3: just very much us situation. Whereas I've got clients who
Speaker 3: are in their forties who still don't share with their husbands.
Speaker 3: They just you know, allocated out and they might have
Speaker 3: one joint account that they put shared resources into. It's
Speaker 3: actually fine however you want to manage it. There's no
Speaker 3: right or wrong. Like I put all my money together.
Speaker 3: Some people wouldn't want to do that. Some people go, oh,
Speaker 3: never do that, And to.
Speaker 4: Be honest, it's fine.
Speaker 3: The thing that I want to to be clear though,
Speaker 3: is communication about money. So talking about it and finding
Speaker 3: a solution that works for you too. So, like Laura,
Speaker 3: you guys might share money in a way that's different
Speaker 3: to the way you know, Steve and I share money,
Speaker 3: but that doesn't mean it's wrong.
Speaker 4: We just need to find a.
Speaker 3: Solution that fits us that we both feel really comfortable with.
Speaker 3: Because for some couples, they're like, look, I'm happy sharing money,
Speaker 3: but I just, you know, sometimes want to go out
Speaker 3: and splurge on some new shoes, and I don't want
Speaker 3: to feel like that's coming out of shared accounts. You go, okay,
Speaker 3: no problems, whereas other couples they're like, oh, I don't
Speaker 3: want my partner seeing.
Speaker 4: Any of my expenses.
Speaker 3: So I think it's just more about what is going
Speaker 3: to work for your personal relationship and how are you
Speaker 3: going to both contribute financially so it's equal. And I
Speaker 3: guess that then leads into another topic which has come
Speaker 3: up recently, and that should couples share finances or expenses
Speaker 3: exactly fifty to fifty when they don't earn the same amount?
Speaker 3: And I find that really interesting and I wanted to
Speaker 3: bring it up because you know, your demographic is ninety
Speaker 3: five percent women, so it's really really important to understand.
Speaker 3: But for me, no, fifty to fifty isn't enough. It
Speaker 3: is not good enough. If your partner owns double what
Speaker 3: you do. I think a more fair percentage split, not
Speaker 3: just okay, well, rents one thousand dollars, so we pay
Speaker 3: five hundred dollars each. But what if you only earn
Speaker 3: five hundred dollars a month? Now what your partner gets
Speaker 3: all this additional financial freedom that you're not afforded. I
Speaker 3: think it's more fair to split it in a way
Speaker 3: that goes all right, Well, I earn thirty percent less,
Speaker 3: So how about I pay thirty percent rent and you
Speaker 3: pay the seventy percent Because that's how it's going to
Speaker 3: be fair, and we both get a level of financial
Speaker 3: autonomy that makes us feel comfortable. So for me, I'm sorry,
Speaker 3: I can't come to one specific this is the answer.
Speaker 3: It's about communication and finding what works for you and
Speaker 3: your relationship.
Speaker 1: I'm actually so glad you brought that up, because it's
Speaker 1: something we have touched on in the past a little bit,
Speaker 1: and for me, that was a huge part of one
Speaker 1: of the breakdowns of my relationship.
Speaker 2: I was dating a guy and I've been with him
Speaker 2: for almost four years.
Speaker 1: Or three years or something, and he was on a
Speaker 1: fucking good wage like he earned.
Speaker 4: He owned a company and he made bank.
Speaker 1: He made bank, and he loved to tell me how
Speaker 1: much money he was making. Yet we still had to
Speaker 1: pay for everything fifty to fifty split down the dollar,
Speaker 1: and I was struggling, and the resentment built up because
Speaker 1: I was like, why am I going to work and
Speaker 1: eating cans of tuna and fucking saladas And this guy
Speaker 1: has all this savings and we're paying rent that's exorbitant,
Speaker 1: it's above my means because he wants to live in
Speaker 1: a house that I can't afford, and I am constantly
Speaker 1: feeling stressed by this. He wants to go out and
Speaker 1: eat nice stinners, but then he also wants me to
Speaker 1: pay for them from time to time, and I'm like,
Speaker 1: I get that you want things to be fair in
Speaker 1: a relationship.
Speaker 2: That's so important, and we always advocate for that.
Speaker 1: But fair doesn't, like you said, it's not a fifty
Speaker 1: to fifty split when it comes to dollars and cents.
Speaker 1: My partner, Jordan, he plays tennis. Now, he obviously owns
Speaker 1: more money than me, but he also has a very
Speaker 1: healthy appetite and he wants to eat really good, nice
Speaker 1: food and a lot of it, and I'm all for that, Like.
Speaker 3: Mate, you're paying for that. I'm not paying for your organic.
Speaker 1: No. But we started to go out a lot, right
Speaker 1: like we're eating because you know, we're in the early
Speaker 1: few months of a relationship too. You want to be
Speaker 1: together all the time. And I'd be like, cool, let's
Speaker 1: go down here and get a pasta and he'd be like, oh,
Speaker 1: I really want to go here, which was always like
Speaker 1: sashimi and Japanese and and I love this food. And
Speaker 1: we're doing it for a little while, and it got
Speaker 1: to the point where I said, look, I love this
Speaker 1: food and I love going out with you all the time.
Speaker 1: But just so you know, I can't do this anymore
Speaker 1: because I very much want to pay my way in relationships.
Speaker 1: So I will always be like you got yesterday, I'll
Speaker 1: get today, even if deep down I'm like handing over
Speaker 1: my card and I'm like ouch, yeah, I still want
Speaker 1: to make sure there's this level of fairness. And I
Speaker 1: was just really honest with him, and I was like,
Speaker 1: you know, it's all about communication. I was like, this
Speaker 1: is great. I can't do this anymore, So we need
Speaker 1: to find a way around it. What if I cook
Speaker 1: you this at home? And he was really open. He's like,
Speaker 1: this is what makes me happy, and I really like
Speaker 1: to eat this, so let's continue and I'll just pay.
Speaker 2: Yeah. Great, and that was it.
Speaker 1: We both had the conversation and I kept eating really well.
Speaker 1: Money is such a conversation where resentment star to build.
Speaker 1: I mean from the research that I've done and just
Speaker 1: from an article I was reading the other day, infidelity
Speaker 1: is number one, but finance is a number two.
Speaker 4: Yes.
Speaker 1: I think the big thing with finances, though, as a
Speaker 1: pinch point in relationships, is that it doesn't really rear
Speaker 1: its ugly head until you're.
Speaker 2: Very invested with that person.
Speaker 1: I think from the start you can tell if someone's
Speaker 1: like a bit of a cheapskate, But until you're in
Speaker 1: a committed relationship where you're starting to fully share your
Speaker 1: life with them, that's when finance becomes a really fucking
Speaker 1: big problem. And that's why you have to have these
Speaker 1: conversations early to make sure that you are on the
Speaker 1: same page and that you do have the same outlook,
Speaker 1: that you have the same ideas and mentality when it
Speaker 1: comes to money, because otherwise you're in a relationship for
Speaker 1: two years and then you're like, yeah, you know what,
Speaker 1: I resent my partner because he's a tired us. He
Speaker 1: doesn't pay for anything or he makes me pay for
Speaker 1: fifty percent, and I'm just not happy with this situation.
Speaker 1: So yeah, that's why we really were looking forward to
Speaker 1: getting you on and doing this episode because as much
Speaker 1: as we talk about relationships a lot on this podcast,
Speaker 1: this is such an important part. It's an unsexy part,
Speaker 1: but it's a really important part of relationships as well.
Speaker 3: It builds a bond as well. Like, I think if
Speaker 3: you can be open about these things, you're going to
Speaker 3: have a deeper relationship. And gin know what, I'm so
Speaker 3: happy for literally everybody to blame me for these conversations
Speaker 3: as well. I know they're really hard to start, right,
Speaker 3: Like you can't just be like, oh, so we've been
Speaker 3: together three years and not really spoken about money and
Speaker 3: I really want to, like, it can be hard to
Speaker 3: bring up blame me be like, so I listened to
Speaker 3: this podcast with Victoria, Like, what a nightmare. She told
Speaker 3: me that she said, give me more money. Yeah, she
Speaker 3: said that we had to do that. What are your
Speaker 3: thoughts on this? And I think that you know, I
Speaker 3: hope that some people from this content start conversations that
Speaker 3: actually really impact this And I think it's really important
Speaker 3: for us to even just give permission to our communities
Speaker 3: that fair does not equal equal right, like fifty to
Speaker 3: fifty doesn't always mean that things are fair. And I
Speaker 3: think that having those conversations it doesn't make you less than.
Speaker 3: It doesn't make you someone who's contributing less. It just
Speaker 3: means that you want what they've got, like you just
Speaker 3: want to be afforded the same opportunities. And if we
Speaker 3: don't speak up, we end up in situations where we
Speaker 3: are spending too much, and we are in your situation, Laura,
Speaker 3: where you're spending every single dollar to keep up with
Speaker 3: their lifestyle and they're really happy with it because they're
Speaker 3: paying less than what they probably should. But you end
Speaker 3: up having this built up level of resentment that genuinely
Speaker 3: shouldn't exist, because if you're in a proper partnership, your
Speaker 3: partner would always want you to feel comfortable and happy
Speaker 3: and safe. And if they can't afford you that grace
Speaker 3: and they can't afford that conversation with you, I think
Speaker 3: you need to have a deeper conversation with yourself.
Speaker 1: But just bring this back a little bit to something
Speaker 1: that we're talking about the start, and then we kind
Speaker 1: of got sidetracked by talking about relationships and that's around.
Speaker 4: What my period.
Speaker 1: Ah No, we don't need to revisit that hard your
Speaker 1: cycle being babe?
Speaker 2: Where you at?
Speaker 4: Okay, it's been pretty good? Yeah?
Speaker 1: No, I want to know about savings. So I think
Speaker 1: like one of the big hurdles that we have is
Speaker 1: our ability to be able to save, you know, to
Speaker 1: actually feel empowered and to look at our bank accounts
Speaker 1: and be like yeah, fuck yeah, I actually look, there's
Speaker 1: some dollars in there. Again, what do you recommend people
Speaker 1: do in order to really start to transform their savings?
Speaker 3: Okay, So there's this really sexy concept called a budget.
Speaker 1: Right, Yes, can you talk to me dirty about budgets?
Speaker 2: Finances? Do it as sexy voys?
Speaker 4: Are you ready?
Speaker 2: Bad?
Speaker 3: So what we're going to do is talk about budgets.
Speaker 3: But I think the most important thing to understand about
Speaker 3: a budget is it's not what you expect it to be.
Speaker 3: It's not what everybody else has been telling you. It
Speaker 3: is like, a budget is not about you being restricted
Speaker 3: or judged for your spending. To me, a budget is
Speaker 3: a tool that tells you what's coming into your account
Speaker 3: and what's leaving your account, and then what you need
Speaker 3: to do with your budget is work out does that
Speaker 3: align with my values? Like, am I actually spending in
Speaker 3: line with the things I want to achieve? It's not
Speaker 3: about looking at it going oh my gosh, I taped
Speaker 3: my card every single morning at Starbucks and spend like
Speaker 3: thirteen dollars. That's ridiculous. It's more about going, wow, I
Speaker 3: spend a lot on coffee. Am I getting the amount
Speaker 3: of joy out of that purchase as I should be
Speaker 3: given how much it is every single day?
Speaker 4: And if you say yes, fantastic.
Speaker 3: I'm not the financial advisor that's gonna argue with you
Speaker 3: over your coffee spending, because lord knows, that's one of
Speaker 3: the things that sparks joy in my life. And I
Speaker 3: would literally fight someone if they said you can't have
Speaker 3: coffee in the morning. So I'd be like, sorry, what,
Speaker 3: that's not happening.
Speaker 1: I'd rather not eat breakfast.
Speaker 4: Yeah, it'd actually rather starve.
Speaker 3: So for me, I think it's about your lifestyle and
Speaker 3: your goals and what you're trying to achieve, and if
Speaker 3: you go, Yeah, Actually, I go to the cafe in
Speaker 3: the morning with my team and I just buy a
Speaker 3: coffee because they're buying coffees like I don't actually care
Speaker 3: about it. In that case, probably do cut back because
Speaker 3: that's unnecessary spending that isn't actually adding to your life.
Speaker 3: Whereas I personally, my partner and I, that's one time
Speaker 3: that we actually get to spend together because both of
Speaker 3: us work hectic late nights, so we go to the
Speaker 3: cafe every single morning. We walk the dog down there
Speaker 3: and grab a coffee, walk back, and that's our time.
Speaker 3: If you told me that you were going to take
Speaker 3: that off me, I'd be like, wow, that's one of
Speaker 3: the things I actually really love doing. So everybody's values
Speaker 3: are different, everybody's spending is different, which is why I
Speaker 3: never give outlines or percentages of what you should be
Speaker 3: spending or what you should be saving, because, to be honest,
Speaker 3: if I said to you, all right, Laura, you need
Speaker 3: to be saving twenty percent of your income, you go, okay,
Speaker 3: no problems. I'll calculate what that means. And if by
Speaker 3: chance you're earning fifty thousand dollars twenty percent of your income,
Speaker 3: is such a large amount of money, especially because most
Speaker 3: of us are paying rent or a mortgage or you know,
Speaker 3: have overheads, it's actually unobtainable. Whereas if you were earning
Speaker 3: half a million dollars twenty percent of your income, my friends,
Speaker 3: you should be saving much more than that. So these
Speaker 3: percentages that we've always tried to historically stick to or
Speaker 3: you know us as guides, they actually end up making
Speaker 3: us feel terrible about ourselves because we're comparing somebody else's
Speaker 3: percentages to our person situations. And so I think that
Speaker 3: for us, understanding your budget and then understanding what your
Speaker 3: future goal is is going to help you achieve what
Speaker 3: you're trying to achieve, and not judging yourself and not
Speaker 3: comparing your spending to that of other people's is really
Speaker 3: really important. And once you understand what's coming in and
Speaker 3: out of your bank accounts, you can then make conscious
Speaker 3: decisions about where your money's then going to be allocated.
Speaker 3: Instead of, oh, I spend one hundred dollars and grow
Speaker 3: series a week, I really need that to be fifty dollars,
Speaker 3: Like really, but what if you love food and you
Speaker 3: don't have an expensive gym membership and you know you've
Speaker 3: got all these other things that you don't spend on,
Speaker 3: but food's that one.
Speaker 2: Splurg.
Speaker 3: I don't want you to feel bad because your budget's
Speaker 3: more than what somebody else's is.
Speaker 1: I know for me that I started to use an
Speaker 1: app called and like, guys, this is not a sponsored thing.
Speaker 1: I just use an app called Pocketbook, and it really
Speaker 1: changed how I looked at my finances and it really
Speaker 1: helped me budget because what it does, and I'm sure
Speaker 1: there are hundred apps that do this, guys, but it
Speaker 1: just at the end of the week or month, it
Speaker 1: will literally sum up how much money you had come
Speaker 1: into your bank and how much money you had come out,
Speaker 1: and then it will also categorize it into like this
Speaker 1: much was spent on food, this much was spent on beauty,
Speaker 1: this much was spent on living expenses. And for me,
Speaker 1: that was where I was like whoa, Because every day
Speaker 1: I taped my card for lunch, I tap it for
Speaker 1: Uber Eats, I tap it for a coffee. At the
Speaker 1: end of the month, I was like, I have spent
Speaker 1: thousands on things I probably didn't need to, which was
Speaker 1: all just like food.
Speaker 2: That was why I'm eating my money and I'm eating it.
Speaker 1: I spent more of food than I think almost rent,
Speaker 1: like food, drinks and like coffees and brunches and stuff.
Speaker 2: So that was something that actually helped me.
Speaker 1: But one thing I do want to ask you, because
Speaker 1: I know it's for most Australians it's our number one dream,
Speaker 1: and that.
Speaker 2: Is to own a home.
Speaker 1: Because from day dot we've always been taught that you've
Speaker 1: made it once you own a home. It's imperative to
Speaker 1: get into the housing market. I am starting to think
Speaker 1: more and more that it's not necessarily the only way
Speaker 1: to accumulate wealth, because we're seeing now that the mark
Speaker 1: get in most cities in Australia is more unattainable than ever.
Speaker 1: It is increasing exponentially, way more than inflation, is way
Speaker 1: more than anyone can keep up. Is this still something
Speaker 1: that we should all be striving for? And I know
Speaker 1: that this is a generalized answer, but are there other
Speaker 1: ways for us to start to accumulate wealth?
Speaker 3: Absolutely there are. And it's interesting because I obviously am
Speaker 3: a financial advisor so talk about this every day. And
Speaker 3: recently I actually launched a brand new podcast called The
Speaker 3: Property Playbook, which is all about property and how to
Speaker 3: buy your first home. If that's a decision that you've made.
Speaker 3: But I think the most important thing for you to
Speaker 3: understand is it's actually not for everybody. And I think
Speaker 3: people don't like when I say that because they're like, no,
Speaker 3: we should have equal opportunity. Absolutely you do, but you
Speaker 3: also have the opportunity to say that's not in line
Speaker 3: with my values, it's not in line with what I'm earning.
Speaker 3: And for a lot of people, if you're young and
Speaker 3: you you know, have all these other financial goals to
Speaker 3: save and invest and travel and live the life you
Speaker 3: want to, property is actually going to stunt your ability
Speaker 3: to live the life you want because one, saving for
Speaker 3: a deposit is massive, but then mortgage repayments are on
Speaker 3: top of that, and then you've got land rates and
Speaker 3: taxes and all of that stuff that people seem to
Speaker 3: forget when they're talking about, oh, yeah, but I can
Speaker 3: afford the mortgage, and we just forget the commitment that
Speaker 3: is necessary for a property purchase, when in reality, we
Speaker 3: can actually create wealth for ourselves outside of property. There
Speaker 3: are heaps of different assets we can invest in, and
Speaker 3: something that I've spoken about on my podcast that I
Speaker 3: feel like gets a lot of interest because what we
Speaker 3: don't understand about share investing is why we do it,
Speaker 3: And you'll go, yeah, but it's create wealth, But what.
Speaker 4: Does that genuinely mean?
Speaker 3: And you know, I've got this example that I've piped
Speaker 3: out a million times, but to me, it's one of
Speaker 3: the most impactful. And that's if you're twenty one years
Speaker 3: old and you started investing five hundred dollars a month,
Speaker 3: it's not that much. It is hard to come up
Speaker 3: with five hundred dollars. But if you started at twenty
Speaker 3: one and started investing five hundred dollars am month until
Speaker 3: you retire at the age of sixty five, if you'd
Speaker 3: only saved that amount, you would have two hundred and
Speaker 3: forty thousand dollars in your savings account had you just
Speaker 3: saved it. But if you'd invested it instead of saved it,
Speaker 3: you would have one point two million dollars.
Speaker 1: WHOA, you make me want to go and change everything?
Speaker 3: Yes, And that one point two million dollars sounds great
Speaker 3: and so sexy, like I'm telling you right now how
Speaker 3: to become a millionaire, right, Like, you think that's so great,
Speaker 3: But what people think is that our super and what
Speaker 3: we're actually saving and what we're investing means that when
Speaker 3: we get to sixty five, we start spending it, when
Speaker 3: in reality, that's not what happens at all, because the
Speaker 3: reason that money made its way to one point two
Speaker 3: million dollars is because the money that you invest starts
Speaker 3: making money, and then that money invests itself, and then
Speaker 3: that makes money and it compounds. So that actually means
Speaker 3: that one point two million dollars when you get to
Speaker 3: retirement actually generates you a passive income of about sixty
Speaker 3: thousand dollars a year. Right, So that's sixty grand a
Speaker 3: year that you'd have forever and still have your one
Speaker 3: point two million dollars invested. And that's what wealth creation is.
Speaker 3: So if we want to go all right, let's talk
Speaker 3: about what we want to do in retirement. And I've
Speaker 3: said sixty thousand dollars, you might go Victoria.
Speaker 2: That's not enough.
Speaker 3: I want one hundred and twenty thousand dollars in retirement.
Speaker 3: I really want to. You know, once I pay off
Speaker 3: my home or once I get to retirement, I just
Speaker 3: want one hundred and twenty grand coming in that I
Speaker 3: can spend cool. We're looking at an investment portfolio of
Speaker 3: two point four million dollars. How are we going to
Speaker 3: get there? And that's what financial advice is. That's what
Speaker 3: we're trying to educate you on. Because if I then
Speaker 3: said to you, hey, guys, you're gonna get to retirement,
Speaker 3: you're gonna have a sick income, You're never gonna have
Speaker 3: to worry about being able to pay bills because they'll
Speaker 3: just be cash coming in. You go, oh, so it
Speaker 3: doesn't matter if I don't have a home. No, if
Speaker 3: you don't own property, it doesn't matter, because you're gonna
Speaker 3: have enough income to always rent. You're always going to
Speaker 3: have enough money to put food on the table and
Speaker 3: a roof over your head and live the life that
Speaker 3: you genuinely dream to desire.
Speaker 4: If I said, all.
Speaker 3: Right, well, britt, you need to start saving for your
Speaker 3: very first home, and it's going to take every single
Speaker 3: dollar for the next ten years to save for that,
Speaker 3: and then you're going to have a mortgage that you
Speaker 3: need to pay off, and you'll have that for thirty years,
Speaker 3: and then when you get to retirement, you haven't actually
Speaker 3: put aside any more money to give you that income stream.
Speaker 3: So what you end up with is just the house.
Speaker 3: You still have to work though, because You've still got
Speaker 3: to put food on the table. You can't travel because
Speaker 3: you just you want to work part time and have
Speaker 3: a work life balance. So I think that people just
Speaker 3: immediately assume that the way to create wealth is to
Speaker 3: buy a property, when in reality that's often not the
Speaker 3: case for most of us. And I think that that
Speaker 3: example is really powerful because you go, wait, what, what
Speaker 3: do you mean I could be a millionaire, and it's like, Yeah,
Speaker 3: becoming a millionaire when we are young and we have
Speaker 3: time on our side is not as hard as people
Speaker 3: think it is. But the thing that's hard is the
Speaker 3: commitment that it takes to actually do that.
Speaker 1: I think one of the crazy things as well when
Speaker 1: you think about property is like, yeah, sure you can
Speaker 1: get the mortgage and everything else, but like the fucking
Speaker 1: interest that you're paying. Yes, you look at what the
Speaker 1: interest ends up being and you're like, okay, yeah, sure
Speaker 1: the house costs that much, But then I actually just
Speaker 1: paid a third of the price of that house in interest.
Speaker 2: If you can't pay it off quickly.
Speaker 3: Do not even start me. I have recently bought my
Speaker 3: very first home, and I had a fit the other
Speaker 3: week because my partner and I looked at our mortgage one.
Speaker 3: I nearly died and fell over when I saw how
Speaker 3: much money we owe, just like looking at the banking app.
Speaker 3: It's like negative this amount of money, and I was like,
Speaker 3: oh my gosh, like I'm gonna.
Speaker 2: Die, Like I'm having an aneurysm.
Speaker 4: Oh my gosh.
Speaker 3: We're paying like literally the amount of money that I
Speaker 3: pay in interest per month on my mortgage is the
Speaker 3: amount of money we used to pay in total for rent.
Speaker 2: Yeah. Wow, what It's not okay, I'm not okay. It
Speaker 2: hurts my soul.
Speaker 4: That's not okay.
Speaker 1: This is exactly where we're out at the moment. When
Speaker 1: we're talking about buying a house. I'm like, the thought
Speaker 1: of buying in Sydney and paying off a mortgage for
Speaker 1: the rest of my life sends me into wild fits
Speaker 1: of anxiety. But then this also leads me into the
Speaker 1: next thing, which is debt, because I think, like so
Speaker 1: many of us are dealing with debt, and it's not
Speaker 1: like it has to be critical debt. I'm talking like
Speaker 1: so many of us have like a couple of grand
Speaker 1: stashing a credit card, or we've got a fuck ton
Speaker 1: of after pay and all of those sorts of like
Speaker 1: prepayment apps that we're slowly paying off, but they just
Speaker 1: keep on creeping back up. I want to talk to
Speaker 1: you about how beneficial slash detrimental do you think things
Speaker 1: like after pay are to how we're able to structure
Speaker 1: our finances? And like, they were such a buzz last
Speaker 1: year and the year before, and I think everybody jumped
Speaker 1: on the bandwagon, but now even personally I know how, yeah,
Speaker 1: how bad that can be for somebody who's not across
Speaker 1: their savings exactly.
Speaker 3: And I am again, I think you've worked out pretty
Speaker 3: quickly that I'm pretty blunt when it comes to money stuff.
Speaker 3: I don't like them. I don't like them at all.
Speaker 3: I don't advocate for them. I don't work with any
Speaker 3: of these brands because they genuinely put the consumer in
Speaker 3: a worse off position. They don't actually care about your
Speaker 3: future mental or financial health. And for me, even their
Speaker 3: marketing is getting really tricky, Like their marketing is like, oh,
Speaker 3: use the better way to pay or you know, buy now,
Speaker 3: pay later, and you're just like, wow, that sounds so
Speaker 3: sexy because you know, don't want to cough up that amount,
Speaker 3: But it's.
Speaker 4: Just a credit card debt dressed up as something else.
Speaker 3: And they will all say, yeah, but Victoria, we don't
Speaker 3: have any level of interest. So like, if you meet
Speaker 3: your payments, it's actually better for your cash flow. You go, no,
Speaker 3: it's not, because not everybody can meet those payments forever.
Speaker 3: Like you're making this financial commitment for it might be
Speaker 3: fifty dollars a week for the next four weeks. That
Speaker 3: at the time doesn't seem to matter, but we can't
Speaker 3: predict our financial future. And what if you didn't get
Speaker 3: any shifts next week and you didn't have that fifty
Speaker 3: dollars in you know, your payment bounced or something wasn't
Speaker 3: able to go through or was in the wrong account.
Speaker 3: Like we end up racking up debt on these things
Speaker 3: so so quickly. And it's kind of like, all right,
Speaker 3: I get it. Most fashion retails have it on their website, right,
Speaker 3: But the real question here is why do you need
Speaker 3: If you're planning on purchasing a two hundred dollar dress,
Speaker 3: why do you need an installment? Why do you have
Speaker 3: to pay for it installments? If you need that dress,
Speaker 3: and if that's a choice that you're making, let's actually
Speaker 3: put some time between us and our spending and go cool,
Speaker 3: I really want a new dress. I'm going to my
Speaker 3: friend's wedding, Start putting that fifty bucks aside, and then
Speaker 3: buy that dress, because I guarantee you one, your taste
Speaker 3: will probably change in that period of time because you'll go, oh,
Speaker 3: you're right. I was just on the iconic and I
Speaker 3: just made a really short lived decision, and I really
Speaker 3: wanted to buy it right then and there. But two,
Speaker 3: you're learning to save and create good habits for yourself financially,
Speaker 3: and little things that feel really easy actually put us
Speaker 3: back and don't enable us to create financial habits that
Speaker 3: are going to service for the long term. So for me, no,
Speaker 3: I don't love by now pay late schemes. But as
Speaker 3: businesses they're genius, right, They managed to make millions of
Speaker 3: dollars each year and the businesses themselves are worth close
Speaker 3: to a billion dollars. But as consumers and as women,
Speaker 3: we really should be wary of that these things because
Speaker 3: they are a slippery slope of getting yourself into debt.
Speaker 1: But on that just I don't know if this is
Speaker 1: a myth or not, but we've always been told that
Speaker 1: using after payings it pay and all these installment payments
Speaker 1: can really affect your credit score. So when all of
Speaker 1: a sudden, we're like, oh, if you've been using en
Speaker 1: after pay for this long and you go to buy
Speaker 1: a house, they'll look at your credit score and you'll
Speaker 1: be told, no, is that a myth? Or is this
Speaker 1: there is no pun intended? But is there some credit
Speaker 1: to that? Haha?
Speaker 4: Do not start me on this.
Speaker 3: So one of the biggest buy now pay later companies
Speaker 3: that's currently using a Mythbuster's marketing. It's their current marketing campaign, right,
Speaker 3: and they're like, this buy now pay later app doesn't
Speaker 3: impact your credit score. They're not wrong. It does not
Speaker 3: impact your credit score. If you use it properly, nothing
Speaker 3: will go in your credit score at all. Credit score
Speaker 3: is are reflective of bad credit history, so if you
Speaker 3: actually miss a payment or you go into debt with them,
Speaker 3: then it's going to turn up on your credit score.
Speaker 3: But when we go for mortgages in twenty twenty one,
Speaker 3: you don't just go, hey, my credit scores X and
Speaker 3: give me a mortgage. Banks actually audit your last three
Speaker 3: months worth of buying, and they look at all your
Speaker 3: bank statements, and they look at your credit history. They're
Speaker 3: able to find out what credit cards you have had,
Speaker 3: what learn inquiries you have done what's going on with
Speaker 3: your personal finances, and when they see things like buy now,
Speaker 3: pay later schemes and repayments coming up on your bank statement,
Speaker 3: they look at it and they go, right, well, she
Speaker 3: can't manage her cash flow, She's not a good candidate
Speaker 3: for me to lend money to because if she can't
Speaker 3: manage her finance is well enough to actually buy dresses
Speaker 3: or buy things that are usually discretionary, and discretionary things
Speaker 3: are things we don't necessarily need, then why would I
Speaker 3: give her a mortgage even if she has got the savings.
Speaker 3: And we see this time and time again because I
Speaker 3: own a mortgage broking business as well, So I'm not
Speaker 3: just talking to you guys from the point of view
Speaker 3: where I'm like, oh, yeah, I've heard it, because I
Speaker 3: have a podcast, like I'm a legit financial advisor. I
Speaker 3: own a mortgage broken company, and I can unequivocally say
Speaker 3: I have had clients denied mortgages because they have had
Speaker 3: bad spending habits or they've had too much Uber eats.
Speaker 4: That's another one that my guilty.
Speaker 3: Yeah, but I've seen it come up where you know,
Speaker 3: the bank's like, oh, they're spending habits are wild, like
Speaker 3: they clearly have the savings, but over the last three months,
Speaker 3: like especially during COVID, they've been really lacked, so we're
Speaker 3: not comfortable servicing them. We just don't want to extend
Speaker 3: an offer, and you go, oh, okay. So one of
Speaker 3: my biggest things is if you are at a point
Speaker 3: where you are planning on buying a home and you're
Speaker 3: going for a mortgage, do three months worth of perfect
Speaker 3: spending like get rid of you buy now pay later schemes,
Speaker 3: start really making sure that you're making clear deposits to
Speaker 3: your savings accounts, you know, make less discretionary spend. So
Speaker 3: when the lender looks into your bank history and your
Speaker 3: spending history, they go, wow, BRIT's pretty responsible. You can
Speaker 3: see on here for the last three month months, she's
Speaker 3: put money into savings, she doesn't spend excessively on uber EAT's,
Speaker 3: she's not using by now pay later schemes, and you
Speaker 3: are more likely to look like a sexy candidate to
Speaker 3: a lender. And I think that that's really important as well,
Speaker 3: because these by now pay later schemes they say, oh,
Speaker 3: it doesn't impact your credit history. You're like, you're right,
Speaker 3: it doesn't if I use it responsibly. But credit history
Speaker 3: isn't the only thing that a bank takes into consideration.
Speaker 1: And that's such and it's just an education thing, isn't it.
Speaker 1: Because I know for me, I have only I'm really
Speaker 1: good with credit cards, like I've never had a credit
Speaker 1: card bill, because I've been good with just using money
Speaker 1: that I have. Yeah, But one thing I didn't know
Speaker 1: and I've always been guilty of, was I always had
Speaker 1: the money in the bank in my younger years, but
Speaker 1: when I went to purchase something I used after pay,
Speaker 1: the money was there. But in my mind, it was like, cool,
Speaker 1: if it's not affecting anything, it makes me feel better
Speaker 1: not seeing this lump sum go out at once, And
Speaker 1: I just think it's an education thing. We don't realize
Speaker 1: how that's going to affect us down the track. So
Speaker 1: I think that's really important for people to know now
Speaker 1: that if you a like me and you had the money,
Speaker 1: but it made you feel a little bit better to
Speaker 1: see larger sums in your bank for longer, just really
Speaker 1: rethink that if you're going to buy it anyway, like
Speaker 1: you said, just purchase it now so that one day
Speaker 1: when you want to go get your loan.
Speaker 2: There's nothing that's going to stop you from doing that.
Speaker 3: But also I think the question there is then, okay, well,
Speaker 3: if you didn't want the money to go out of
Speaker 3: the bank more than you wanted that dress or those shoes,
Speaker 3: like should you really be making that decision in the
Speaker 3: first place, Like if you want to keep that two
Speaker 3: hundred dollars in your account more than you want the dress,
Speaker 3: I think you really should be considering that as something
Speaker 3: that's actually positive and a really good money habit. Whereas
Speaker 3: by now pay later schemes and you know, companies are
Speaker 3: enabling you to go, oh, it doesn't matter, it's only
Speaker 3: fifty dollars now instead of the full two hundred, and
Speaker 3: you go, oh, that makes me feel better, But in reality,
Speaker 3: you're not better off financially. You just feel better in
Speaker 3: that moment. And I think making decisions, you really need
Speaker 3: to consider whether it's actually better fitting you or if
Speaker 3: it's putting future you behind. And I talk a lot
Speaker 3: on my podcast about really prioritizing future you because they
Speaker 3: are so special and so important and they're going to
Speaker 3: be so grateful when you have made a whole heap
Speaker 3: of great money decisions for them. And if you keep
Speaker 3: making money decisions that puts future you behind, Like that's
Speaker 3: not the kindest thing you can do to yourself.
Speaker 1: And realistically, like doing things like this, I mean any
Speaker 1: sort of like lay by system or anything where you're
Speaker 1: taking a shortcut but you're just then kicking your debt
Speaker 1: down the road doesn't actually get you in any better
Speaker 1: financial situation. I mean, I know for me, and one
Speaker 1: of the reasons why I was really stroked to get
Speaker 1: you on here is because when I started my business,
Speaker 1: I didn't know how to do a business. And like,
Speaker 1: I know that we're going to have some more of
Speaker 1: these conversations coming up. But I got out of credit
Speaker 1: card and was funding my business via credit card because
Speaker 1: I didn't fucking know what else to do. I need
Speaker 1: a cash flow, I didn't have investors, and I ended
Speaker 1: up just buying stock on credit and then hoping to
Speaker 1: sell it. And it was not how you start a business.
Speaker 1: And I'm going to come out and say that first off, guys,
Speaker 1: but I got myself into a situation where all I
Speaker 1: was doing was further kicking debt down the road and
Speaker 1: just paying off the interest on that debt, and I
Speaker 1: was never actually able to get back on top of it.
Speaker 1: And I think if you are ever in a position
Speaker 1: where that is all you're doing, that's where the anxiety
Speaker 1: starts to come in because you get this to this
Speaker 1: point where you're like, I'm never ever going to get
Speaker 1: on top of this. And I think especially when it's
Speaker 1: a voluntary thing, when it's like, oh, you're putting yourself
Speaker 1: in this position because it's over a dress or a
Speaker 1: handbag or something that's really inconsequential to your life, actually
Speaker 1: the purchase at the end of the day, be really
Speaker 1: mindful with that, because yeah, definitely got myself into a
Speaker 1: bit of a problem with after.
Speaker 2: Pay as well.
Speaker 4: Be warned, my friends, We've lived it.
Speaker 1: Guys, Victoria, we have so many like, so many subcategories
Speaker 1: that we wanted to talk to you about. Then we
Speaker 1: do want to talk to you about, but there's literally
Speaker 1: not enough time in these episodes. So we are one
Speaker 1: hundred percent going to get you back because I feel
Speaker 1: like for us, this was just like a real overview,
Speaker 1: very basic overview where we wanted to touch on a
Speaker 1: few topics just to get the brain ticking and really
Speaker 1: try and reassess all of our own situations. But we'll
Speaker 1: definitely get you back on. But before we let you go,
Speaker 1: you have a book that is.
Speaker 2: Coming out tomorrow.
Speaker 1: If you're listening to this live tomorrow, which is June sixteenth,
Speaker 1: if you've listened in the past, that's when it's come out.
Speaker 2: Tell us about your book.
Speaker 3: Oh my gosh, I'm so excited about my book. I
Speaker 3: think the main selling point here is it's peach with
Speaker 3: gold foil, Like my publishers literally put goldfoil on my book,
Speaker 3: which obviously that means you should buy it.
Speaker 4: But for me, writing a.
Speaker 3: Book was so powerful because I just felt, like, you know,
Speaker 3: I started this podcast from a place of love, and
Speaker 3: I started it because I'm so wildly passionate about empowering
Speaker 3: particularly women to just take control of their financial lives.
Speaker 3: And you know, it never started from me going I'm
Speaker 3: going to start a business, Like I was just like
Speaker 3: genuinely young and dumb and just thought, oh, this will
Speaker 3: be fun, like podcasts are cool, we feel your baby, yeah,
Speaker 3: not realizing the impact that we could have and it
Speaker 3: was so fun to do. But then I realized the
Speaker 3: impact I was having, and you know, then being asked
Speaker 3: to publish a book was me going wow, like this
Speaker 3: is an extension of the reach the podcast has and
Speaker 3: this opportunity to change lives, and so for me that
Speaker 3: she's on. The Money book is your end to end
Speaker 3: guide to financial freedom and creating a financial life that
Speaker 3: you're really proud of. We cover everything from money stories
Speaker 3: and reframing what your money story looks like because your
Speaker 3: money history and your money story is not your fault,
Speaker 3: all the way through to budgeting and cash flow and
Speaker 3: how to invest and in fact how much money it
Speaker 3: costs to have a baby in Australia, from a number
Speaker 3: of different experiences from women I've spoken to, all the
Speaker 3: way through to retirement, which is not as sexy, but
Speaker 3: I do try to make it sound a little bit sexy.
Speaker 3: But it's genuinely a book that I'm so proud of
Speaker 3: because I feel like it's one of those things that
Speaker 3: I feel like I'm gifting people and I'm just like,
Speaker 3: you know what, I've written this book and if you
Speaker 3: read it, it'll be everything that you need to know
Speaker 3: to make sure that you stay out of debt and
Speaker 3: you stay on the right path and you can achieve
Speaker 3: financial freedom within this lifetime.
Speaker 4: So that's what it is.
Speaker 2: Bok I did sneakily read it. I know, yeah, I
Speaker 2: sneakly got to read it.
Speaker 4: You did, and it really is.
Speaker 1: Amazing, And I mean, I think the thing about you
Speaker 1: is that the reason your podcast has so much reach
Speaker 1: and has been so popular is because you do simplify things,
Speaker 1: and you do make things on a level that we
Speaker 1: can all understand, whether we do have that business mind
Speaker 1: or that finance mind. You make it so like it
Speaker 1: just broke down how much we could save when we
Speaker 1: go into retirement. When you break it down to something
Speaker 1: so simple, it really has so much more effect and
Speaker 1: it's so much more powerful. So, guys, if this interests
Speaker 1: you at all and you're looking to make some changes
Speaker 1: in your life, or you want to buy a house,
Speaker 1: or maybe you just want to go and buy those
Speaker 1: Gucci bags, read Victoria's book, and Victoria before we go,
Speaker 1: tell everyone where else they can find you. Where's your podcast?
Speaker 1: What's your Instagram handle?
Speaker 3: So the podcast is She's on the Money, and hopefully
Speaker 3: you can type that into any podcasting app and find us.
Speaker 3: If you can't, I'm concerned, then on Instagram where She's
Speaker 3: on the Money aus And if you want to find
Speaker 3: me personally, I am on Instagram at Victoria Underscore divine.
Speaker 1: Thank you so much for taking time for us today, Vittoria.
Speaker 1: It's been the best.
Speaker 3: Oh my gosh, thank you for hanging out. We'll see
Speaker 3: you again, Sue, We will and it's exciting.
Speaker 1: Oh yes, stay tuned, guys. Okay, guys, you know we
Speaker 1: never finish an episode without our suck and our sweet,
Speaker 1: our highlight and our low light of the week.
Speaker 2: So Laura, you can kick it off this week. What's
Speaker 2: your suck?
Speaker 1: Well, my suck is that I spent the beginning of
Speaker 1: this week in hospital with Lola. As you guys already know,
Speaker 1: especially if you listened to the last episode, Lola had
Speaker 1: some funky eye thing happening.
Speaker 2: Who I Well, it wasn't pink eye. It was ocular colitis.
Speaker 2: What was it? From Pooh? Marley gave Lola pink eye?
Speaker 2: I'm pretty sure.
Speaker 1: Look, if we're going to try and figure out what happened,
Speaker 1: I reckon a pretty educated guess is that Marley stuck
Speaker 1: her finger in Lola's eye.
Speaker 2: That's like if I'm just gonna take a wild stab
Speaker 2: in the dark. Look it was Matt, Marley or you
Speaker 2: so that it would take a wild stab in the eye.
Speaker 1: I reckon it was Marley So I was in the
Speaker 1: hospital for a couple of days with Lola. Hospitals are
Speaker 1: very uncomfortable. It's just a really grim place. Like it's
Speaker 1: amazing in that, like the hospital staff are incredible throughout
Speaker 1: the children's hospital. Being there with something that's like so
Speaker 1: non life threatening, you know, something that was like pretty benign,
Speaker 1: and she just needed to have antibiotics. For seeing how
Speaker 1: amazing the staff was was like, that's a really special thing.
Speaker 1: The sweet of my week is I mean, the suit
Speaker 1: of my week is both my kids. But Molly is
Speaker 1: just for her vocabulary, Like she can say so many
Speaker 1: things now it's her birthday this weekend she's turning to
Speaker 1: and it just blows my mind how many words she
Speaker 1: can say now, and like the sass that they say
Speaker 1: it in as well. And I know that anyone who's
Speaker 1: not a mum is probably just gonna be like eyey,
Speaker 1: boring kids stuff. But like even the other day I
Speaker 1: came home, I'd just gone up to go get a
Speaker 1: coffee and I walked in the door and opened the
Speaker 1: door and.
Speaker 2: She goes, hey, where are you bean? You're too what
Speaker 2: do you mean? Where have I been?
Speaker 1: Also, I can't believe she's too okay, wage you know,
Speaker 1: she said to Lola today, so ill and I'm gonna stop.
Speaker 1: I realized this, but I call Lola like my little
Speaker 1: fatty right, which I know someone's gonna be listening to this,
Speaker 1: like you're gonna put some deep seated trauma into your child.
Speaker 1: Stop doing it. She's four months old. She will never
Speaker 1: remember these, these times of her life. But I realized
Speaker 1: I can't say this because this morning I had Lola
Speaker 1: and Marley in bed, and Marley just rolls over to
Speaker 1: Lola and goes lollly off fat I was.
Speaker 2: Like, I'm a terrible mother.
Speaker 1: Yes, they're vacuums, like you don't even realize you say
Speaker 1: something that they listen.
Speaker 2: They pick everything up. But anyway, Marley's just like she's
Speaker 2: just the best. She's so fine. Okay, So no more
Speaker 2: fatty Lola. No, I can't call it.
Speaker 1: No, no, you can't call your kid names, even like endearingly,
Speaker 1: because she's just so cutely the little legs and little
Speaker 1: arms and a little billy and it just want to
Speaker 1: eat She's like a potato with eyes.
Speaker 2: You definitely want to eat her.
Speaker 1: Yeah, well I want to slow cook her and put
Speaker 1: some salafree too, much.
Speaker 2: She's not Nutchos. I hate my sack. My suck is
Speaker 2: really quick and easy.
Speaker 1: I ordered some shoes online and they came in my size,
Speaker 1: but they sent me men's shoes.
Speaker 2: That is so annoying. So they're too big.
Speaker 1: Well, they sent you your size, but men's side. Yeah, so
Speaker 1: it's too big. So I got the right size for men.
Speaker 1: And that's really annoying because I don't have time now.
Speaker 1: I leave him four days, so like hate life. Just
Speaker 1: spent three days at the hospital. Yeah, no, look, we
Speaker 1: cannot compare our sucks this week.
Speaker 2: We cannot. No.
Speaker 1: Look, that's the worst thing that happened to me this week,
Speaker 1: and that was literally I could think about. So I've
Speaker 1: had a pretty good week. My suite was going to
Speaker 1: the Hunter Valley with my family. I can't deny that.
Speaker 1: We're a real family family, so we love hanging out.
Speaker 1: We're all really good friends. My parents. We don't look
Speaker 1: at my parents like parents, they look at us like kids.
Speaker 1: We're all just like friends. So we just had the
Speaker 1: best time. We had so much laughter, We ate so much.
Speaker 1: We drunk so much, and every single time I do it,
Speaker 1: I'm like, I need to do this more. I need
Speaker 1: to and I think with what's going on in the
Speaker 1: world too, I think it's important that we do start
Speaker 1: to prioritize family and friends a little bit more. I've
Speaker 1: been really slack on that behalf. I just let work
Speaker 1: overwhelm me, and all of a sudden, six months goes past,
Speaker 1: and I think everyone will resonate with what I mean
Speaker 1: by that, where all of a sudden, we're in the
Speaker 1: middle of the year. It's the middle of twenty twenty one.
Speaker 2: So I don't know. I just got really deep for
Speaker 2: a minute, but I call someone and telling me you love.
Speaker 2: I feel like this happens every year. I feel like
Speaker 2: every year.
Speaker 1: Maybe it's just like that we're getting older, but the
Speaker 1: older you get, the faster the years ago, and the
Speaker 1: faster we're careening towards our deaths.
Speaker 2: Thank you for listening to Life Long No, I completely agree.
Speaker 1: But I also think that there's going to be a
Speaker 1: lot of people out there who are listening to this
Speaker 1: who have been separated from their families in the last
Speaker 1: year or year and a half, whatever it's been. And
Speaker 1: as much as we want to prioritize our families, there's
Speaker 1: definitely going to be people out there who aren't able
Speaker 1: to at the moment, so like, whatever it is, zoom FaceTime,
Speaker 1: call them, text them.
Speaker 2: This is your little reminder.
Speaker 1: You know, I think that we always get through the
Speaker 1: day and we're like, oh shit, I was supposed to
Speaker 1: call Nan today, I'll call it tomorrow. Oh shit, I'll
Speaker 1: call her on this day. And I know I do
Speaker 1: it all the time as well. So if you needed
Speaker 1: this reminder to call your Nan or your mom or
Speaker 1: somebody who you love and you've been putting it off,
Speaker 1: just call them Cinema text.
Speaker 2: And if you are still separating from your family, we are.
Speaker 1: We really feel for you, and our thoughts are with you,
Speaker 1: and we hope that you do get to see them
Speaker 1: very very soon. Now, guys, if you love the episode,
Speaker 1: you know the drill, go leave a review, subscribe, jump
Speaker 1: on the Facebook group which is Life Uncut Discussion group,
Speaker 1: and also follow us on Instagram which is.
Speaker 2: Also Life on Cut podcast.
Speaker 1: And tell your mom, take your dad, tell your friends,
Speaker 1: and tell everyone and share the love because we love
Speaker 1: that