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Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana,

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Speaker 1: kaka ya Ya bin Ahaka Nian our gay In Nimbini,

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Speaker 1: yakarum jar Doumayagumika Umaga Ihowaka Nile Waman damon Immalan Bumba

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Speaker 1: bang gadaboma in and now in Waka ghana on yakarum

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Speaker 1: jar Watanadaa. Hello, beautiful friends, we gather on the lands

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Speaker 1: of the Aboriginal people. We thank acknowledge and respect the

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Speaker 1: Abiginal people's land that we're gathering on today. Take pleasure

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Speaker 1: in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: that LEDs you be pervy about other people's money stories

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Speaker 3: for educational purposes, of course. Welcome back to another one

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Speaker 3: of our money diaries, brought to you by our friends

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Speaker 3: at Sky Wealth, where I get the absolute privilege of

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Speaker 3: sitting down with one of our incredible She's on the

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Speaker 3: Money community members to talk all about their journey. Let's

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Speaker 3: jump straight in because this week I got a message

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Speaker 3: and it sounded exactly like this. Hi, She's on the Money.

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Speaker 3: When I say I was flat broke at UNI, I

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Speaker 3: mean it. I carried that into full time work and

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Speaker 3: after getting a car loan in December twenty twenty four,

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Speaker 3: I felt overwhelmed and not in control. So I scrolled

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Speaker 3: all the way back to episode one and I just

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Speaker 3: started again. September twenty twenty five, my twenty five thousand

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Speaker 3: dollars carloan was completely paid off on a grad salary,

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Speaker 3: and in the last five years I've gone from living

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Speaker 3: in Melbourne to now living on a farm with my

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Speaker 3: boyfriend in country New South Wales. I have savings, I

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Speaker 3: have investments. I have plans and dreams, as well as

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Speaker 3: a partner with four investment properties with plans for us

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Speaker 3: to get one together or me by into his. She's

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Speaker 3: on the Money transfer formed my life and has seen

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Speaker 3: me through every season. However, going from flat broke to

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Speaker 3: having money, I now have developed terrible guilt and dread

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Speaker 3: around spending, and I worry I'll be that cheap friend forever.

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Speaker 3: Money Diarist, What a journey, what a privilege, but also

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Speaker 3: what a worry, Like you're not going to be the

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Speaker 3: cheap friend forever?

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Speaker 2: What the heck? I know, it's just the gilt is insane,

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Speaker 2: Like now that you have money, you don't want to

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Speaker 2: see it go, and seeing your bank account grow up

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Speaker 2: and up it just gets a bit addictive, and then

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Speaker 2: seeing it go down you're just like, oh my god.

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Speaker 3: That's also such a like one e like going from

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Speaker 3: flat broke car loan all of the stuff that makes

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Speaker 3: you feel financially stressed to being like, not only did

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Speaker 3: I get my stuff together, I gotta be a man

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Speaker 3: that had assets.

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Speaker 2: Yeah.

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Speaker 1: I know.

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Speaker 2: He was actually a really big part in me sort

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Speaker 2: of turning my money so around because I actually used

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Speaker 2: to listen to She's on the Money in twenty twenty.

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Speaker 2: I first started way back when we were all picked

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Speaker 2: up at home literally because I think sort of what

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Speaker 2: happened was I moved away to UNI when I was nineteen,

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Speaker 2: so twenty twenty, like quickly realized how hard and expensive

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Speaker 2: life is, and then I moved back home for COVID,

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Speaker 2: and then once I realized we kind of weren't going anywhere.

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Speaker 4: I got a job and I ended up getting on

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Speaker 4: job Keeper.

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Speaker 2: And the job keep that I was put on it

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Speaker 2: was actually funny because the two weeks that I started

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Speaker 2: my job was the two weeks I had on UNI holidays,

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Speaker 2: and it was also the two weeks where the government

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Speaker 2: determined whether you're a full time like casual worker.

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Speaker 3: So I got on the top dollar okay, but like

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Speaker 3: money win, like good things happen to good people, baby.

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Speaker 2: Yeah. So and then I was kind of into Hot

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Speaker 2: Girl Walks podcasting, and I was like, I have all

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Speaker 2: this money coming in now I kind of need to

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Speaker 2: figure out what to do with it. So I always

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Speaker 2: had that sort of financial knowledge in the background, but

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Speaker 2: one when I went back to UNI, I was like,

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Speaker 2: I just kind of want to live my life a

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Speaker 2: bit and worry about money later. So I said, see

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Speaker 2: you later to ses on the money for a little bit.

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Speaker 3: But we're always here, like you can come back, like

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Speaker 3: if you want to go to me, that's fine, Like

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Speaker 3: I actually don't mind if you guys want to go

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Speaker 3: and then come back later. Like I'm kind of like

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Speaker 3: your parents, like I don't mind. Go have a fun time.

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Speaker 3: There's always a homeback here for you. You're always welcome.

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Speaker 2: So I always knew what I should be doing, and

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Speaker 2: I had that like a little bit of knowledge in

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Speaker 2: the background. But yeah, I just was like, no, I'll

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Speaker 2: think about that later.

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Speaker 3: And now you've gone, I want to go home. And

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Speaker 3: then you've come to see me again. And I welcomed

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Speaker 3: you with open arms and you got out of debt.

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Speaker 2: What the heck this really like? I was so overwhelmed.

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Speaker 2: I remember I was sitting at work and I was

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Speaker 2: thinking the answer would being I'd need more money because

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Speaker 2: I was straight out of UNI. I actually ended up

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Speaker 2: getting quite a high paying job. I was on eighty

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Speaker 2: thousand with a ten percent bonus, just straight out of Ynny,

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Speaker 2: I know, but it was very corporate and I wasn't

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Speaker 2: enjoying it. So an opportunity to come up to move

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Speaker 2: to a more practical, hands on job. But I dropped

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Speaker 2: to seventy thousand dollars a year, so it was quite

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Speaker 2: a big change. And I remember sitting there at work

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Speaker 2: after I got this loan and I had it for

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Speaker 2: about a month, and I was thinking the answer was

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Speaker 2: just more money, but I just did it. I needed

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Speaker 2: to figure out the money I had so I just

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Speaker 2: literally went back to episode one, and.

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Speaker 3: I'm very glad that you did thanks to the downloads.

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Speaker 2: Babe.

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Speaker 3: Tell me, if I asked you to give your money

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Speaker 3: habits a grade from A through to F, what would

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Speaker 3: you say your money habits were? Oh, maybe like a

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Speaker 3: B plus love love Let's learn more about it. What

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Speaker 3: is your money's story? Like, can you tell me a

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Speaker 3: few things that have impacted it?

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Speaker 2: Yeah, So I was really thinking on this, and honestly,

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Speaker 2: my childhood not that impactful in terms of money story stuff,

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Speaker 2: Like I think it was deep down, you know, like

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Speaker 2: my parents really did a very normal suburban life. You know,

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Speaker 2: we'd go on camping holidays, but a holiday to the

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Speaker 2: Gold Coach was a big deal, you.

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Speaker 3: Know, so the same we did it once and we

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Speaker 3: drove and like that was like the biggest thing ever.

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Speaker 3: Like I still remember it, Like, yeah, I adore that

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Speaker 3: other people got to travel overseas, but yeah, that to

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Speaker 3: me still feels fancy because of the way that I've

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Speaker 3: grown up.

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Speaker 2: Yeah, and even thinking when people take like little kids

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Speaker 2: on overseas holidays, I'm like, why are you doing that? Girl?

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Speaker 3: When my son was four months old, he was on

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Speaker 3: a plane to Italy, like what the hell? Like the

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Speaker 3: whole time I was like talking to this four month

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Speaker 3: old on a plane, I'm like, you don't know how

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Speaker 3: good you've got it, Like you don't know, you don't

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Speaker 3: get it, no.

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Speaker 2: Living the dream. But my parents were always very anti dead,

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Speaker 2: you know, like I was always known to not get carloons,

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Speaker 2: which is bit ironic because I got one, but I digress.

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Speaker 2: And my mom, like she had a credit card, but

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Speaker 2: you know, it was always paid off, it was never

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Speaker 2: really a thing. And then my mum was actually fully

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Speaker 2: in charge of our finances, you know, like my dad

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Speaker 2: wasn't allowed a debit card because he would go a

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Speaker 2: bit too crazy with it. So I think seeing that

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Speaker 2: my mom was kind of always in charge of money,

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Speaker 2: and I think Mom came from a more scarcely mindset

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Speaker 2: in terms of money, you know, okay, Like she kind

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Speaker 2: of did have a bit of guilt around spending money,

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Speaker 2: and I didn't really notice it until I was older

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Speaker 2: and became educated around money. So it's funny looking back

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Speaker 2: making that connection now. But honestly, I would say the

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Speaker 2: most impact on my money story was when I went

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Speaker 2: off to UNI, so I moved from Melbourne to country

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Speaker 2: New South Wales in twenty twenty. I was fresh nineteen.

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Speaker 3: That's a massive change.

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Speaker 1: I know.

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Speaker 5: I don't know where I got the audacity, but looking

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Speaker 5: back at it, if we borrowed it from a medioc

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Speaker 5: middle age white man, probably, But looking back at it now,

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Speaker 5: I was like, I don't know if I could make

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Speaker 5: that move, like that's pretty ballsy.

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Speaker 4: I remember my parents dropped me off at UNI and

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Speaker 4: I was living.

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Speaker 2: With twenty five other people with like one kitchen and

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Speaker 2: things like that, and I was on campus and they

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Speaker 2: just like said goodbye, and I was just sitting in

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Speaker 2: my room alone and being like, okay, now.

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Speaker 3: What Yeah, Like you'd done so much planning up until

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Speaker 3: that point. Yeah, well be telling everyone, yeah, I'm gonna

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Speaker 3: go to UNI, I'm going to do this, I'm going

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Speaker 3: to do that, And then you're sitting in the room

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Speaker 3: and you're just like, do I clap?

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Speaker 2: I was like, I better go downstairs and make some friends.

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Speaker 2: But when I moved, it was it was never a

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Speaker 2: question of if my parents were going to pay for it,

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Speaker 2: like I always knew I would, like I moved out

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Speaker 2: and became fully financially independent, it was never I never

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Speaker 2: even considered my parents paying rent for me or giving

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Speaker 2: me regular money, Like it just wasn't a thing that

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Speaker 2: I thought was normal, But it was when I went

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Speaker 2: to UNI. I remember in one of my I was

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Speaker 2: in a sharehouse and I was the only person who

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Speaker 2: actually paid their own rent. All of my friends' parents

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Speaker 2: were paying their rent, and I don't know, I think

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Speaker 2: it was potentially because you know, they were from you know,

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Speaker 2: farms and countries and stuff like, and from the country,

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Speaker 2: so they didn't have the option to stay at home

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Speaker 2: and go to UNI, whereas I totally could have just

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Speaker 2: stayed at home and commuted to like Melbourne, UNI or

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Speaker 2: something like that if I really wanted to. But I

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Speaker 2: think that sort of really impacted me because I never

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Speaker 2: really understood that a lot of people kind of were

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Speaker 2: getting leg ups in life, and that I was sort

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Speaker 2: of I don't think I was ever disadvantaged, because I

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Speaker 2: never really went without in my childhood, but I just

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Speaker 2: never knew that it was a normal thing for people

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Speaker 2: to give their kids lots of money.

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Speaker 3: Neither did I. I remember getting to UNI and like,

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Speaker 3: I was in a very lucky position where I was

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Speaker 3: gifted a car from my parents, but it was my

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Speaker 3: mum's old old car, and like I was still having

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Speaker 3: to pay for it everything on that. Dad was like,

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Speaker 3: you can have your mum's old car, because like we

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Speaker 3: could sell it for five hundred dollars. Like it wasn't

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Speaker 3: like a, oh, mom's got this beautiful Mazda three, you

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Speaker 3: can have and we'll just get a new one. It

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Speaker 3: was literally like an old car that when I turned

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Speaker 3: too hard to the left, the gas system stopped working.

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Speaker 3: Like like I was just grateful to have it. And

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Speaker 3: I took over all of the payments on that, like

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Speaker 3: insurance and like the Red Joe and stuff, and I

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Speaker 3: thought I was living. And then I got to UNI,

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Speaker 3: and I was like, what do you mean, Like everyone's

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Speaker 3: parents just quote gave them a car, and what do

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Speaker 3: you mean your parents are paying for this beautiful apartment

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Speaker 3: in the city, Like I'm hustling in a sharehouse same

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Speaker 3: as you. Like I'm hustling in a sharehouse. And I

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Speaker 3: remember my rent was like two hundred and fifty dollars

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Speaker 3: a week, like that was chaos. And at the time,

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Speaker 3: I was sharing with a boyfriend because that made it

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Speaker 3: more economical. And I remember thinking I have to move

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Speaker 3: out with my boyfriend because otherwise this is just not

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Speaker 3: going to work, Like this is going to be crazy.

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Speaker 2: Yeah, yeah, I know, I yeah, I kind of really

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Speaker 2: realized it happened, and especially going to like a country Uni,

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Speaker 2: there's a lot of sort of wealth in different ways.

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Speaker 2: Like I don't fully understand how all the tax rightoffs

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Speaker 2: and stuff work, but I do know in agriculture that

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Speaker 2: there is a lot of tax rightoffs in places, so

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Speaker 2: you know, financially, it made sense to buy a brand

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Speaker 2: new high Loux and give that to your kid. But

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Speaker 2: I don't know, I don't know.

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Speaker 3: Look, I don't know how we make it work, but

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Speaker 3: if that works for them, I am genuinely very happy

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Speaker 3: for that. A little bit envious, but genuinely happy. Like

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Speaker 3: I just remember that was really eye opening for me.

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Speaker 3: I remember being like, oh, okay, oh you just what

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Speaker 3: do you mean you just have like a copy of

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Speaker 3: your mum's credit card. That's crazy to me, Like if

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Speaker 3: I'm out of money, go I'm out of money?

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Speaker 2: Yeah yeah no, And I think that I'm I'm really

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Speaker 2: grateful that my parents didn't really give me anything, to

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Speaker 2: be honest, because I don't think that I would I've

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Speaker 2: ever been in the position I am now if I

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Speaker 2: wasn't flat broke like in my final year of UNI.

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Speaker 2: I actually ended up going out of sas like twice

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Speaker 2: and definitely couldn't afford them, but made it work. And

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Speaker 2: so yeah, like I was slipping on campus and I

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Speaker 2: couldn't pay my rent, so I was just really hustling.

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Speaker 2: I couldn't even I would love to know what was

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Speaker 2: the lowest my bank account went to, because I wouldn't

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Speaker 2: even be surprised if it was like one hundred dollars

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Speaker 2: or something like that, like probably lower.

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Speaker 3: Oh, I overdrew my bank account. I remember the day

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Speaker 3: that I learned that you could overdraw a bank account

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Speaker 3: because I didn't mean to, and I got like a

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Speaker 3: notification in my emails to be like, oh, your bank

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Speaker 3: account has been overdrawn, and I logged in and I

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Speaker 3: was like, what do you mean overdrawn? What is overdrawn?

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Speaker 3: And then seeing that my bank account was negative, I

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Speaker 3: was like, oh, that's crazy. I didn't even know I

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Speaker 3: had a credit card, and like, I was so like

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Speaker 3: financially illiterate at that point. I thought that my debit

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Speaker 3: card had turned into a credit card and then I

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Speaker 3: was going to get into heaps of debt and obviously

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Speaker 3: that's not great, but like, yeah, it was just it

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Speaker 3: was crazy to me. So yeah, I went't full negative baby,

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Speaker 3: like maybe you did too.

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Speaker 2: Yeah, I didn't know that debit cards could go into

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Speaker 2: the negative, so it's probably good I didn't know that.

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Speaker 2: But I think it's funny because since I did listen

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Speaker 2: to ses on the Money in twenty twenty and into

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Speaker 2: twenty twenty one, I did have that financial background knowledge,

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Speaker 2: so like I knew not to get a personal loan

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Speaker 2: to go on holidays. I knew not to do all

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Speaker 2: these things, so I didn't even know people got personal

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Speaker 2: loans for holidays. When I found that out, I was like, God,

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Speaker 2: that's insane.

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Speaker 3: Also so nice that you're kind of like out of

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Speaker 3: the loop on that, because I think if you are

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Speaker 3: at UNI, sometimes it's better to not know that those

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Speaker 3: things exist, because if you do, you might go, oh, well,

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Speaker 3: if everyone else is doing it, maybe i'll do it.

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Speaker 4: Yeah.

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Speaker 2: So I kind of went on to just being broke,

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Speaker 2: and then I ended up getting a job pretty well

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Speaker 2: straight out of UNI, which was great, and I did

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Speaker 2: end up finally making money there, and it was crazy

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Speaker 2: because everyone knew that I had no money during UNI,

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Speaker 2: like I was working heaps and it was kind of

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Speaker 2: a funny thing.

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Speaker 4: But then I ended up getting a job and it

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Speaker 4: ended up being all well.

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Speaker 2: But then my first car was only worth like two

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Speaker 2: and a half grand, like I bought it, and in

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Speaker 2: September of twenty twenty four, I got rear ended and

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Speaker 2: I was completely fined and my car was actually not

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Speaker 2: that bad, but the insurance company said that it's not

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Speaker 2: worth fixing it. So I just ended up getting paid

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Speaker 2: out for that, which I think I'm geting like three grand,

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00:14:40,120 --> 00:14:42,240
Speaker 2: so nothing crazy, but more than I paid.

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Speaker 4: So I needed a.

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Speaker 2: Car money in exactly, I needed a car, and I

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00:14:47,760 --> 00:14:50,080
Speaker 2: didn't really have enough money to buy. I probably maybe

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Speaker 2: had like ten grand in my bank account then, which

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Speaker 2: was pretty good, but I wanted a nicer car because

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Speaker 2: during the time that my car was yetting a the

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Speaker 2: insurance company gave me a car and it was like

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Speaker 2: nice with Apple car plane stuff like that, and I

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Speaker 2: was like, oh, this is cool. So I ended up

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Speaker 2: getting a car loan and I got it through my

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Speaker 2: bank because I kind of thought, like my parents kind

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Speaker 2: of led me that way. They said, oh, don't go

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Speaker 2: through like a dealership, don't get finance, like, do it

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Speaker 2: through your bank. And then they kind of had the

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Speaker 2: understanding that it would be good for me to borrow

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Speaker 2: money because then it can show the bank that I

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Speaker 2: can pay it back.

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Speaker 4: But then after listening to Chese on the money, I

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Speaker 4: know that's not true.

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Speaker 3: But also you don't know what you don't know. And

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Speaker 3: I feel like so many of us, like here from

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Speaker 3: the US what goes on in terms of like lending

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Speaker 3: and credit scores and stuff. So it makes sense like

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Speaker 3: if your parents were like, oh, girl, this is what

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Speaker 3: you should be doing, You're obviously gonna be like, yeah, okay,

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Speaker 3: that makes sense, let's do that. And then obviously it's

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Speaker 3: not the right decision and that's okay, But like sometimes

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Speaker 3: we have to make some mistakes to get on the

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Speaker 3: right track, right, And it sounds like you've done exact Yeah,

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Speaker 3: So tell me what do you now do for work

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Speaker 3: and how much money do you earn.

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Speaker 2: So I work in agriculture, I would say my job

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00:16:08,640 --> 00:16:11,880
Speaker 2: is I do a lot of the data analytics for

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Speaker 2: farms and look at their genetic data and also how

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Speaker 2: their genetic data. Yeah, so genetics play a huge role

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Speaker 2: in farming and selecting, Like I'm working with cattle and

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Speaker 2: selecting bulls that have the traits that you want, So

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Speaker 2: things like intramuscular fat, like you can select for that

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00:16:34,160 --> 00:16:38,920
Speaker 2: or yeah, so it's all linked to genes. Farming is very,

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Speaker 2: very smart, Like there's a full blown geneticis that the

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Speaker 2: company I works for have and they do all their

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Speaker 2: genetics selections, Like bulls can go for like hundreds of

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Speaker 2: thousands of dollars sometimes.

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Speaker 3: So really, yeah, this is one of the reasons why

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Speaker 3: I love chatting to people on money Dries because like,

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Speaker 3: you guys have such a job, but like, what do

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Speaker 3: you mean you work in genetics for agriculture. Like, don't

351
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Speaker 3: get me wrong. People are probably listening to this and

352
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Speaker 3: they're like, Victoria, you idiot, Like of course they do,

353
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Speaker 3: but like this is just not something I had comprehended,

354
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Speaker 3: especially coming from like my grandparents were sheep farmers.

355
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Speaker 2: Yeah, so like I didn't know that.

356
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Speaker 3: Like they were just like lambs. If one gets rejected,

357
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Speaker 3: you put it in a box by the fire, and

358
00:17:24,880 --> 00:17:27,239
Speaker 3: we have a canara in the kitchen and that's how

359
00:17:27,359 --> 00:17:30,359
Speaker 3: we help our you know, lambs grow up. That's about

360
00:17:30,400 --> 00:17:33,080
Speaker 3: as far as it got for me. So how does

361
00:17:33,200 --> 00:17:35,360
Speaker 3: this evolve and what does that look like as a job?

362
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Speaker 2: For you. So we get these things called estimated breeding

363
00:17:39,600 --> 00:17:44,879
Speaker 2: values from animals and they have all their scores on

364
00:17:45,000 --> 00:17:47,840
Speaker 2: how they go in terms of different traits and things

365
00:17:47,960 --> 00:17:50,320
Speaker 2: like that, and you can look at them and select

366
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Speaker 2: traits that you want, and you can also compare them

367
00:17:53,040 --> 00:17:55,840
Speaker 2: to like the female you're using. And so each sort

368
00:17:55,840 --> 00:17:59,240
Speaker 2: of company has different goals in terms of what they want.

369
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Speaker 2: So you can even select for docility, so if you

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00:18:02,240 --> 00:18:05,840
Speaker 2: want a more calm bull, which are easier to work with,

371
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Speaker 2: so a lot of people select for that, or you know,

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Speaker 2: if they want a bigger frame, then they can select

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Speaker 2: for that.

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Speaker 4: So we have that.

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Speaker 2: But then I also look at things like average daily gains,

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Speaker 2: like what they're eating, how much weight they're gaining, how

377
00:18:19,600 --> 00:18:23,320
Speaker 2: long they've been eating it for. So yeah, just look

378
00:18:23,359 --> 00:18:26,800
Speaker 2: at excels a lot. But yeah, it's a huge market.

379
00:18:26,880 --> 00:18:32,120
Speaker 2: Like they even do IVF and embryo transferring cattle. It's crazy.

380
00:18:32,720 --> 00:18:35,240
Speaker 3: That is insane. Also, I want to know, do you

381
00:18:35,320 --> 00:18:36,960
Speaker 3: know how much that costs? Like, is it also ten

382
00:18:37,000 --> 00:18:37,639
Speaker 3: grains around?

383
00:18:38,160 --> 00:18:42,760
Speaker 2: No? So this company that I know, it's three hundred

384
00:18:42,800 --> 00:18:46,480
Speaker 2: dollars per osite collective, So.

385
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Speaker 3: I mean it does make sense. There's probably less like

386
00:18:51,040 --> 00:18:53,719
Speaker 3: you know if we lost an embryo, you guys are like, oh,

387
00:18:53,840 --> 00:18:57,280
Speaker 3: so right, just do it again, because it's cattle as

388
00:18:57,320 --> 00:19:01,760
Speaker 3: opposed to your literal lives. But that's crazy the difference.

389
00:19:02,040 --> 00:19:03,639
Speaker 4: Yeah, and it's pretty crazy.

390
00:19:03,880 --> 00:19:06,239
Speaker 3: And to do all of this, how much money are

391
00:19:06,280 --> 00:19:06,800
Speaker 3: you making?

392
00:19:07,440 --> 00:19:10,520
Speaker 2: So it's actually really cool. With my job, I am

393
00:19:10,840 --> 00:19:13,800
Speaker 2: full time, but I get paid hourly, so I'm on

394
00:19:14,000 --> 00:19:15,080
Speaker 2: forty dollars an hour.

395
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Speaker 3: But well that's good.

396
00:19:16,920 --> 00:19:19,679
Speaker 4: Yeah, So I think I ended up doing about forty

397
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Speaker 4: hour weeks.

398
00:19:20,320 --> 00:19:22,040
Speaker 2: So I did eighty hour four nights, and so it

399
00:19:22,160 --> 00:19:25,240
Speaker 2: ends up to be around eighty four thousand dollars a year.

400
00:19:25,920 --> 00:19:28,320
Speaker 2: So I was quite happy with that because I recently

401
00:19:28,480 --> 00:19:32,720
Speaker 2: changed roles and I finished my probation like a few

402
00:19:32,720 --> 00:19:35,680
Speaker 2: weeks ago, and they gave me a five dollar pay rise.

403
00:19:35,800 --> 00:19:37,800
Speaker 4: So I was on thirty five and now I'm up

404
00:19:37,800 --> 00:19:38,240
Speaker 4: to forty.

405
00:19:38,440 --> 00:19:38,840
Speaker 2: I love that.

406
00:19:38,920 --> 00:19:40,760
Speaker 3: And from the way that you're talking about your job,

407
00:19:41,040 --> 00:19:42,840
Speaker 3: is it safe to assume that you really like it?

408
00:19:43,240 --> 00:19:45,600
Speaker 2: Yeah? I really like it. I kind of came from

409
00:19:45,680 --> 00:19:48,880
Speaker 2: a not so happy job, Like it was a really

410
00:19:48,960 --> 00:19:50,800
Speaker 2: cool job I used to have, but I was really

411
00:19:50,920 --> 00:19:56,639
Speaker 2: really unhappy in it, and I am in a workplace

412
00:19:56,680 --> 00:20:01,760
Speaker 2: where I feel respected and valued and there's a great

413
00:20:01,840 --> 00:20:05,480
Speaker 2: work life balance, you know, So I am really happy.

414
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Speaker 4: Funny actually though, because I was a community DM like

415
00:20:09,840 --> 00:20:10,960
Speaker 4: a few months ago.

416
00:20:11,720 --> 00:20:12,600
Speaker 3: Were you actually?

417
00:20:12,920 --> 00:20:15,560
Speaker 4: I love that it was the one about how to

418
00:20:15,880 --> 00:20:18,040
Speaker 4: not burn a bridge when leaving a job.

419
00:20:18,400 --> 00:20:19,399
Speaker 3: Oh how did that go?

420
00:20:19,800 --> 00:20:21,520
Speaker 2: Yeah? So I ended up sticking it out for the

421
00:20:21,560 --> 00:20:26,080
Speaker 2: busy period and it was hard because my boyfriend where

422
00:20:26,119 --> 00:20:28,879
Speaker 2: I live with him now, it's a pretty isolated place,

423
00:20:29,080 --> 00:20:32,240
Speaker 2: so and I knew my next job would be where

424
00:20:32,280 --> 00:20:35,920
Speaker 2: he lives, so I was quite limited on options. And yeah,

425
00:20:35,920 --> 00:20:38,440
Speaker 2: I ended up sticking it out, and I actually spoke

426
00:20:38,480 --> 00:20:41,480
Speaker 2: to one of my other bosses and he gave me

427
00:20:41,600 --> 00:20:44,120
Speaker 2: a reference, even though I didn't end up really needing one,

428
00:20:44,640 --> 00:20:48,040
Speaker 2: and he was actually said, or maybe don't tell your

429
00:20:48,080 --> 00:20:50,879
Speaker 2: other boss, just give him the one month notice. And

430
00:20:50,960 --> 00:20:53,600
Speaker 2: I ended up telling my boss like three months in advance.

431
00:20:53,720 --> 00:20:57,480
Speaker 2: So yeah, I left, And I'm happy, I.

432
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Speaker 3: Was going to say, and did it all work out?

433
00:20:59,200 --> 00:21:01,840
Speaker 3: Because sometimes it really like, you know, you don't want

434
00:21:01,840 --> 00:21:05,280
Speaker 3: to burn a bridge, but you also like need to

435
00:21:05,400 --> 00:21:07,440
Speaker 3: move on and do what's best for you, but it

436
00:21:07,600 --> 00:21:09,840
Speaker 3: just feels so awkward, especially when you're like trying to

437
00:21:09,920 --> 00:21:11,960
Speaker 3: keep everybody happy.

438
00:21:12,400 --> 00:21:16,639
Speaker 2: Yeah. I think it was a pretty common question people

439
00:21:16,760 --> 00:21:19,360
Speaker 2: might have because if you were in my position where

440
00:21:19,400 --> 00:21:22,600
Speaker 2: it was really only your first time working in that industry,

441
00:21:23,440 --> 00:21:26,800
Speaker 2: you kind of future employees will want a reference from

442
00:21:28,040 --> 00:21:30,320
Speaker 2: a company that you worked for in the industry, you know,

443
00:21:30,600 --> 00:21:32,600
Speaker 2: And if you remember that, absolutely, and you're trying to

444
00:21:32,680 --> 00:21:34,800
Speaker 2: leave without being weird about it.

445
00:21:35,840 --> 00:21:38,639
Speaker 3: Absolutely, And is there anything in that process that you

446
00:21:38,720 --> 00:21:41,119
Speaker 3: would do differently, Like if someone listened to that and

447
00:21:41,320 --> 00:21:44,479
Speaker 3: was like, oh, like that's my situation, what would your

448
00:21:44,520 --> 00:21:45,000
Speaker 3: advice be.

449
00:21:45,520 --> 00:21:48,600
Speaker 2: Yeah, I would say go to someone who's trusted and

450
00:21:48,720 --> 00:21:52,119
Speaker 2: a person that you trust at work who understands you.

451
00:21:53,160 --> 00:21:56,400
Speaker 4: And yeah, I was lucky that I had another boss

452
00:21:56,440 --> 00:21:57,560
Speaker 4: who understood.

453
00:21:57,200 --> 00:22:00,560
Speaker 2: Me well, but I know people who are working with

454
00:22:00,720 --> 00:22:06,200
Speaker 2: they used a colleague that was in a similar role

455
00:22:06,280 --> 00:22:10,200
Speaker 2: to them, maybe one step up. So yeah, it doesn't

456
00:22:10,240 --> 00:22:13,080
Speaker 2: necessarily have to be your direct boss as a reference,

457
00:22:13,119 --> 00:22:16,280
Speaker 2: which I didn't really know. It can be anyone. Yeah,

458
00:22:16,400 --> 00:22:19,440
Speaker 2: that's true. Yeah, just find someone who is trusted and

459
00:22:19,560 --> 00:22:23,640
Speaker 2: someone who you feel like isn't going to tell everyone.

460
00:22:24,720 --> 00:22:27,920
Speaker 3: Yeah, And that's a really good point as well, and

461
00:22:28,080 --> 00:22:30,800
Speaker 3: something that I know I didn't say on the podcast,

462
00:22:31,000 --> 00:22:34,440
Speaker 3: but like, what a good suggestion to go and chat

463
00:22:34,520 --> 00:22:38,320
Speaker 3: to someone in your workplace that you do genuinely trust, Yeah,

464
00:22:38,480 --> 00:22:40,720
Speaker 3: who can give you some advice because like, you know,

465
00:22:41,080 --> 00:22:43,920
Speaker 3: if I ask my husband about stuff to do it work,

466
00:22:44,040 --> 00:22:46,520
Speaker 3: like he knows of the people, but he's never worked

467
00:22:46,560 --> 00:22:48,480
Speaker 3: with them. Yeah, so he might be like, oh, yeah,

468
00:22:48,560 --> 00:22:50,840
Speaker 3: just tell her she seems chill. And then like you

469
00:22:50,960 --> 00:22:52,919
Speaker 3: go and talk to somebody else and they'd be like, oh,

470
00:22:53,160 --> 00:22:55,640
Speaker 3: maybe don't do that this week because they're really stressed,

471
00:22:55,680 --> 00:22:57,720
Speaker 3: Like how about you wait till here or there, Like

472
00:22:57,880 --> 00:22:59,400
Speaker 3: that's the insight that we want.

473
00:22:59,680 --> 00:23:02,239
Speaker 2: Yeah, yeah, So going to someone that I trust had

474
00:23:02,280 --> 00:23:04,160
Speaker 2: definitely made it a lot easier.

475
00:23:05,240 --> 00:23:08,280
Speaker 4: But I was very excited to quit a door.

476
00:23:08,320 --> 00:23:10,280
Speaker 3: All right, let's go to a really quick break and

477
00:23:10,400 --> 00:23:12,200
Speaker 3: on the flip side, I want to talk to you

478
00:23:12,280 --> 00:23:14,880
Speaker 3: about investments. I want to dive a little bit deeper

479
00:23:14,920 --> 00:23:16,879
Speaker 3: into that debt that you mentioned you used to have.

480
00:23:17,040 --> 00:23:19,439
Speaker 3: We're going to talk about personal insurances and then your

481
00:23:19,440 --> 00:23:22,160
Speaker 3: best and worst money habits. So guys, don't go anywhere

482
00:23:26,600 --> 00:23:29,040
Speaker 3: money diaries do. We are back and I want to

483
00:23:29,080 --> 00:23:32,000
Speaker 3: dive straight into investments. You said earlier in the show,

484
00:23:32,520 --> 00:23:34,680
Speaker 3: I used to listen to She's on the Money three,

485
00:23:34,720 --> 00:23:36,320
Speaker 3: Shees on the Money in the bin, because like, I

486
00:23:36,440 --> 00:23:38,640
Speaker 3: was living my best life and I've come back.

487
00:23:39,119 --> 00:23:40,080
Speaker 2: So what is your.

488
00:23:40,040 --> 00:23:41,399
Speaker 3: Investment journey looking like?

489
00:23:42,200 --> 00:23:45,159
Speaker 2: So back in the day, I did have RAIS and

490
00:23:45,240 --> 00:23:48,159
Speaker 2: I just had the automatic investments, and then when I

491
00:23:48,200 --> 00:23:50,520
Speaker 2: went overseas, I just took it all out. I think

492
00:23:50,520 --> 00:23:52,560
Speaker 2: it only got to like three hundred and something dollars.

493
00:23:53,200 --> 00:23:59,520
Speaker 2: But I have investments now with Chaesis and I started

494
00:23:59,720 --> 00:24:03,800
Speaker 2: and January, and I've got IVV, which is just the

495
00:24:04,520 --> 00:24:08,359
Speaker 2: index for the US. I had VAS which is just

496
00:24:08,440 --> 00:24:12,200
Speaker 2: the Australian index, and then I have VIE, which is

497
00:24:12,280 --> 00:24:15,240
Speaker 2: the Asia index but excludes Japan.

498
00:24:15,680 --> 00:24:19,160
Speaker 3: You really like a vanguard moment, I'm back, and then.

499
00:24:19,320 --> 00:24:23,720
Speaker 2: VAQ, which is the European index, and I also have NAB.

500
00:24:24,359 --> 00:24:27,920
Speaker 2: Just it's actually the reason why I got NAB is

501
00:24:27,960 --> 00:24:30,239
Speaker 2: because I was listening to an episode. It was from

502
00:24:30,320 --> 00:24:33,520
Speaker 2: like twenty twenty three, and you used NAB shares as

503
00:24:33,560 --> 00:24:34,960
Speaker 2: an example, and you're.

504
00:24:34,840 --> 00:24:38,120
Speaker 3: Like, oh no, Like don't get me wrong, Like you're

505
00:24:38,119 --> 00:24:40,560
Speaker 3: allowed to own NAB, but like I always use it

506
00:24:40,640 --> 00:24:42,639
Speaker 3: as an example, and I'm always like thinking in the

507
00:24:42,680 --> 00:24:44,240
Speaker 3: back of my head, I'm like, I hope people don't

508
00:24:44,240 --> 00:24:45,280
Speaker 3: take that as a recommendation.

509
00:24:45,400 --> 00:24:48,600
Speaker 2: No. I didn't take it as a recommendation. I took

510
00:24:48,640 --> 00:24:52,840
Speaker 2: it because at the time, NAB was worth twenty five dollars,

511
00:24:53,440 --> 00:24:55,520
Speaker 2: and then I looked at it, I was like, oh,

512
00:24:55,560 --> 00:24:57,560
Speaker 2: I wonder what it's worth now three years later, and

513
00:24:57,680 --> 00:24:59,840
Speaker 2: it was worth like forty two. So I was like what.

514
00:25:01,160 --> 00:25:03,880
Speaker 3: I was like, it's a banking share for you. Like, yeah,

515
00:25:03,920 --> 00:25:07,280
Speaker 3: they called like blue chip shares, and that doesn't make

516
00:25:07,320 --> 00:25:10,760
Speaker 3: them better. No, it means that they're like tried and

517
00:25:10,920 --> 00:25:14,520
Speaker 3: true and tested and kind of really boring, and that's okay,

518
00:25:15,080 --> 00:25:18,960
Speaker 3: but like we kind of love that they're tried and

519
00:25:19,040 --> 00:25:21,160
Speaker 3: true and tested and boring. Like yeah, when it comes

520
00:25:21,200 --> 00:25:24,000
Speaker 3: to my investment journey, I want it to be boring.

521
00:25:24,320 --> 00:25:27,919
Speaker 2: Yeah, yeah. Track. Well, that's why I kind of went

522
00:25:28,080 --> 00:25:30,120
Speaker 2: for all the indexes because I was like, I'm going

523
00:25:30,160 --> 00:25:31,040
Speaker 2: for a long term.

524
00:25:31,200 --> 00:25:34,639
Speaker 4: At the moment, I have one thousand and seventy one

525
00:25:34,720 --> 00:25:36,399
Speaker 4: dollars invested.

526
00:25:36,720 --> 00:25:39,920
Speaker 3: Look you go, you cracked your four figures already.

527
00:25:39,680 --> 00:25:41,919
Speaker 4: You know, and it split pretty well evenly.

528
00:25:42,080 --> 00:25:44,080
Speaker 2: I just kind of I was doing one hundred dollars

529
00:25:44,119 --> 00:25:46,480
Speaker 2: a fortnight up until I got a pay rise, and

530
00:25:46,520 --> 00:25:48,600
Speaker 2: I'd just do like twenty five twenty five to twenty five,

531
00:25:48,800 --> 00:25:51,840
Speaker 2: and then I also have the roundups on and anytime

532
00:25:51,960 --> 00:25:54,800
Speaker 2: the roundups would be twenty five dollars, it'd go into

533
00:25:54,880 --> 00:25:58,840
Speaker 2: chaseas and that's when I would buy nap with And yeah,

534
00:25:58,920 --> 00:26:02,200
Speaker 2: so that's a dollars now. But it's kind of grown

535
00:26:02,480 --> 00:26:07,200
Speaker 2: a bit because when I bought it was when everything

536
00:26:07,240 --> 00:26:10,600
Speaker 2: went down, so which I knew was money win. I know,

537
00:26:10,800 --> 00:26:14,560
Speaker 2: I was like, Wow, the SMP five hundreds down by

538
00:26:14,680 --> 00:26:16,680
Speaker 2: like seven percent, let's buy heap.

539
00:26:17,920 --> 00:26:20,600
Speaker 3: See, that's what we love to see. And a couple

540
00:26:20,680 --> 00:26:23,520
Speaker 3: of months ago, the S and P five hundred was

541
00:26:23,560 --> 00:26:25,720
Speaker 3: down again and I was thinking like, oh, maybe I

542
00:26:25,760 --> 00:26:27,560
Speaker 3: should pick up some more. And then I was like

543
00:26:27,640 --> 00:26:29,520
Speaker 3: trying to take my own advice and not try to

544
00:26:29,600 --> 00:26:32,159
Speaker 3: time the market. So I tipped a little bit, and

545
00:26:32,280 --> 00:26:34,719
Speaker 3: now I'm like, should have done more, and we all

546
00:26:34,840 --> 00:26:35,080
Speaker 3: do that.

547
00:26:35,560 --> 00:26:38,200
Speaker 2: Yeah, yeah, So I think now I've sort of put

548
00:26:38,240 --> 00:26:40,680
Speaker 2: it up to like one hundred and fifty a fortnight.

549
00:26:40,880 --> 00:26:42,840
Speaker 4: I might put it up to a little bit more,

550
00:26:43,280 --> 00:26:44,800
Speaker 4: but we'll see.

551
00:26:44,840 --> 00:26:47,639
Speaker 2: But yeah, I just consistently do like two hundred and

552
00:26:47,640 --> 00:26:49,560
Speaker 2: two hundred dollars a Fortnite and I just had my

553
00:26:49,680 --> 00:26:53,400
Speaker 2: roundups on and then I also have my Super which

554
00:26:53,480 --> 00:26:57,200
Speaker 2: I checked is at twenty three thousand and fifty four dollars.

555
00:26:57,560 --> 00:26:58,240
Speaker 3: Hey, that's good.

556
00:26:58,320 --> 00:26:59,880
Speaker 2: And how old are you? Twenty five?

557
00:27:00,640 --> 00:27:02,000
Speaker 3: Your twenty that is good?

558
00:27:02,200 --> 00:27:05,320
Speaker 2: Look at you. Tracking my old corporate job fresh out

559
00:27:05,359 --> 00:27:08,960
Speaker 2: of UNI for some reason, made a lot of additional

560
00:27:09,000 --> 00:27:11,760
Speaker 2: contributions to Super, not out of my pay or anything,

561
00:27:12,040 --> 00:27:12,480
Speaker 2: but just.

562
00:27:12,720 --> 00:27:14,520
Speaker 3: We will take it. Like, I'm not going to complain

563
00:27:14,560 --> 00:27:18,679
Speaker 3: about that ever. Yeah, now talk to me about personal insurances.

564
00:27:18,760 --> 00:27:20,840
Speaker 3: You are only twenty five. But is this something that

565
00:27:20,880 --> 00:27:23,560
Speaker 3: you've considered, something you've organized? What does that look like

566
00:27:23,680 --> 00:27:23,840
Speaker 3: for you?

567
00:27:24,359 --> 00:27:24,560
Speaker 2: Yeah?

568
00:27:24,640 --> 00:27:26,440
Speaker 4: So I actually had a call with sky Wells a

569
00:27:26,480 --> 00:27:28,560
Speaker 4: couple of weeks ago, because.

570
00:27:28,560 --> 00:27:31,800
Speaker 3: Every money does recently like this is not paid by

571
00:27:31,840 --> 00:27:34,040
Speaker 3: the way, like we do not pay our diarists or

572
00:27:34,160 --> 00:27:36,480
Speaker 3: pick them if they are with skyweld. But I swear

573
00:27:36,600 --> 00:27:39,240
Speaker 3: everyone that I'm getting recently is like, oh yeah, I

574
00:27:39,320 --> 00:27:40,560
Speaker 3: called them, and I was like what.

575
00:27:41,200 --> 00:27:43,520
Speaker 2: Yeah, yeah, No, I just called them and I kind

576
00:27:43,560 --> 00:27:46,200
Speaker 2: of spoke to them about it because I actually don't

577
00:27:46,359 --> 00:27:48,560
Speaker 2: have any insurances in my super.

578
00:27:49,119 --> 00:27:51,480
Speaker 4: And they're like, all right, that's weird that you should

579
00:27:51,480 --> 00:27:53,560
Speaker 4: talk to your super company about that, because are like

580
00:27:53,680 --> 00:27:56,480
Speaker 4: normally the way insurances kind of work is you have

581
00:27:56,560 --> 00:27:58,400
Speaker 4: it the whole time, or when you turn twenty five,

582
00:27:58,480 --> 00:27:59,520
Speaker 4: they automatically kick in.

583
00:28:00,480 --> 00:28:03,520
Speaker 2: Yeah, And so they kind of talked to me a

584
00:28:03,560 --> 00:28:05,320
Speaker 2: little bit about like what they could do, and I

585
00:28:05,400 --> 00:28:07,040
Speaker 2: do need a follow up with them because I think

586
00:28:07,080 --> 00:28:09,200
Speaker 2: I will actually end up going with them, because I

587
00:28:09,280 --> 00:28:13,400
Speaker 2: didn't know that you pay like your insurances is set

588
00:28:13,480 --> 00:28:16,399
Speaker 2: up in your super and like your super money pays

589
00:28:16,440 --> 00:28:19,720
Speaker 2: for it as far as I'm aware. And I ended

590
00:28:19,800 --> 00:28:22,640
Speaker 2: up calling my super company and they're like, basically, when

591
00:28:22,680 --> 00:28:25,760
Speaker 2: you were nineteen, we sent you a letter saying if

592
00:28:25,800 --> 00:28:27,480
Speaker 2: you don't reply to this letter, we're going to cancel

593
00:28:27,560 --> 00:28:31,080
Speaker 2: your insurance. And I was nineteen and living in New

594
00:28:31,160 --> 00:28:32,960
Speaker 2: South Wales, and I went to my parents' house, so

595
00:28:33,640 --> 00:28:35,920
Speaker 2: I didn't get it. I think it was just, yeah,

596
00:28:36,000 --> 00:28:40,400
Speaker 2: their way too sneakily stop giving people insurance. And I

597
00:28:40,560 --> 00:28:42,560
Speaker 2: was talking to the lady on the phone. She's really nice,

598
00:28:42,600 --> 00:28:44,920
Speaker 2: but I was like, damn, like a nineteen year old

599
00:28:44,960 --> 00:28:47,200
Speaker 2: had to make you put that in the hands of

600
00:28:47,200 --> 00:28:47,760
Speaker 2: a nineteen You.

601
00:28:47,760 --> 00:28:50,880
Speaker 3: Don't understand it at that point, And even if you'd

602
00:28:50,960 --> 00:28:52,920
Speaker 3: gotten that letter, you would have been like, well, I'm

603
00:28:52,920 --> 00:28:56,960
Speaker 3: not using that insurance, like I'll probably cancel it anyway whatever, Yeah,

604
00:28:57,080 --> 00:28:59,240
Speaker 3: like I don't need that. Yeah, but why am I

605
00:28:59,360 --> 00:29:01,680
Speaker 3: paying for it? Like you're taking my super money? And

606
00:29:01,760 --> 00:29:06,240
Speaker 3: that would have been at nineteen my mindset as well. Yeah,

607
00:29:06,520 --> 00:29:09,200
Speaker 3: they did that to so many people. And the reason

608
00:29:09,280 --> 00:29:11,480
Speaker 3: they did that to people was because you would have

609
00:29:11,560 --> 00:29:13,760
Speaker 3: had a really low balance at that point in time,

610
00:29:14,200 --> 00:29:17,280
Speaker 3: and they, like the government actually mandated it. So it

611
00:29:17,400 --> 00:29:20,320
Speaker 3: wasn't your super company being rude, but they were told,

612
00:29:20,480 --> 00:29:22,880
Speaker 3: if they have under a certain balance, you need to

613
00:29:23,000 --> 00:29:25,480
Speaker 3: let them know that they have to choose this because

614
00:29:25,560 --> 00:29:29,080
Speaker 3: otherwise the insurance premiums would have eaten away at your

615
00:29:29,160 --> 00:29:30,760
Speaker 3: super and then you would have had no super but

616
00:29:30,840 --> 00:29:33,480
Speaker 3: you would have paid for insurance. And so I get it,

617
00:29:34,200 --> 00:29:35,080
Speaker 3: but I don't like it.

618
00:29:35,680 --> 00:29:38,880
Speaker 2: No. Yeah, I was like, oh it's a bit rough,

619
00:29:39,000 --> 00:29:42,680
Speaker 2: so currently not personally insured, but thinking about it.

620
00:29:43,840 --> 00:29:46,520
Speaker 3: Oh, good girl, I like to hear it. Now, tell me,

621
00:29:46,600 --> 00:29:48,520
Speaker 3: what do you think your best money habit is.

622
00:29:49,040 --> 00:29:52,040
Speaker 2: I would say my best money habit is I'm very

623
00:29:52,360 --> 00:29:56,040
Speaker 2: disciplined with money, Like I could very easily go without,

624
00:29:56,560 --> 00:29:59,480
Speaker 2: you know, so if I have a purchase, I'll put

625
00:29:59,640 --> 00:30:03,200
Speaker 2: three between it, like I'll really really think about it.

626
00:30:04,040 --> 00:30:06,560
Speaker 2: And then I think I have really really good structures

627
00:30:06,920 --> 00:30:09,880
Speaker 2: with my pay I can tell you how I split

628
00:30:10,120 --> 00:30:11,760
Speaker 2: all my money if you really want to.

629
00:30:12,520 --> 00:30:15,080
Speaker 3: And of course I want that, and like the pervier

630
00:30:15,160 --> 00:30:17,720
Speaker 3: the better on this show, girlfriend, you should know.

631
00:30:18,080 --> 00:30:20,440
Speaker 4: When I listened to money diaries and I don't say numbers,

632
00:30:20,480 --> 00:30:21,480
Speaker 4: I'm like, oh, come.

633
00:30:21,320 --> 00:30:22,760
Speaker 2: On, yeah.

634
00:30:22,800 --> 00:30:24,720
Speaker 3: But I never also press them for some of that

635
00:30:24,920 --> 00:30:28,000
Speaker 3: false information out of you. If like people have given

636
00:30:28,040 --> 00:30:30,640
Speaker 3: me the privilege of asking them about their situation, I'm

637
00:30:30,640 --> 00:30:32,080
Speaker 3: not going to be like, well, why aren't you telling

638
00:30:32,160 --> 00:30:35,000
Speaker 3: me more? Yes, give us the numbers and for any

639
00:30:35,040 --> 00:30:38,320
Speaker 3: future money dirests. We love to see the perviest of bits.

640
00:30:38,960 --> 00:30:43,360
Speaker 2: So my most recent pay I grossed three two hundred

641
00:30:43,360 --> 00:30:47,480
Speaker 2: dollars and my net was two four hundred and thirty four.

642
00:30:48,320 --> 00:30:52,640
Speaker 2: And so we're very lucky. With my partner's job. So

643
00:30:52,760 --> 00:30:55,360
Speaker 2: him manages a farm, so he's off his own farm,

644
00:30:55,520 --> 00:30:58,400
Speaker 2: but he manages this farm because his parents are still

645
00:30:58,440 --> 00:31:01,560
Speaker 2: at home, and so so we get a free house

646
00:31:01,760 --> 00:31:04,920
Speaker 2: and free bills, so I don't eat money win, so

647
00:31:05,080 --> 00:31:07,360
Speaker 2: I don't have any rent I don't have any bills,

648
00:31:07,520 --> 00:31:10,120
Speaker 2: like in terms of housing and things like that. So

649
00:31:11,120 --> 00:31:13,920
Speaker 2: my fixed costs for like rent and stuff is one

650
00:31:14,000 --> 00:31:15,600
Speaker 2: hundred and forty five dollars a fortnight.

651
00:31:16,160 --> 00:31:20,280
Speaker 3: Okay, Queen, I know this is like so incredible, but

652
00:31:20,520 --> 00:31:23,719
Speaker 3: also for me, I'm looking at it going Queen, if

653
00:31:23,760 --> 00:31:25,560
Speaker 3: you are not making hey while the sun is shining, like,

654
00:31:25,680 --> 00:31:26,840
Speaker 3: I'm going to be pretty mad at you.

655
00:31:27,160 --> 00:31:30,600
Speaker 2: I know. So yeah, I definitely do. So, yeah, we

656
00:31:30,680 --> 00:31:33,920
Speaker 2: don't have any rent, we don't have any bills. Like

657
00:31:34,040 --> 00:31:36,560
Speaker 2: my partner he has his investment properties, but I'm not

658
00:31:36,760 --> 00:31:38,680
Speaker 2: a part of them, so I don't have any mortgages

659
00:31:38,800 --> 00:31:41,760
Speaker 2: or anything like that at the moment. And then I

660
00:31:41,960 --> 00:31:44,520
Speaker 2: give myself like an allowance of four hundred dollars a

661
00:31:44,600 --> 00:31:47,200
Speaker 2: fortnight to pay for like yeah, it's more so now

662
00:31:47,440 --> 00:31:49,880
Speaker 2: just kind of fuel and spending money that I have.

663
00:31:50,720 --> 00:31:53,280
Speaker 2: And I kind of work from home most of the time,

664
00:31:53,400 --> 00:31:55,240
Speaker 2: so I don't really spend much money on fuel. And

665
00:31:55,360 --> 00:31:58,640
Speaker 2: then also I do get free fuel from work sometimes,

666
00:31:58,960 --> 00:32:01,960
Speaker 2: so stop that's pretty great if I have to drive

667
00:32:02,160 --> 00:32:06,360
Speaker 2: anywhere for work. And then yeah, I invest one hundred

668
00:32:06,560 --> 00:32:08,760
Speaker 2: year shollers a fortnite and then I have a joint

669
00:32:08,760 --> 00:32:10,920
Speaker 2: account with my partner, and we put one hundred dollars

670
00:32:11,040 --> 00:32:13,920
Speaker 2: in a week, so two hundred dollars a fortnite and

671
00:32:14,040 --> 00:32:17,520
Speaker 2: that's more so like food and then like dog food

672
00:32:17,720 --> 00:32:20,120
Speaker 2: and just if we go out for dinner, we'll kind

673
00:32:20,120 --> 00:32:20,960
Speaker 2: of use that card.

674
00:32:21,080 --> 00:32:24,160
Speaker 3: And yeah, but that means you can kind of like

675
00:32:24,560 --> 00:32:27,200
Speaker 3: really build up your wealth right now and put as

676
00:32:27,320 --> 00:32:30,000
Speaker 3: much away as possible. And is that kind of where

677
00:32:30,040 --> 00:32:32,120
Speaker 3: you're prioritizing things.

678
00:32:32,520 --> 00:32:36,240
Speaker 2: Yeah, so i'd say right now, I have a really

679
00:32:36,280 --> 00:32:39,880
Speaker 2: good emergency fund. I'm considering halving it because it's currently

680
00:32:40,320 --> 00:32:44,080
Speaker 2: ten thousand dollars, which I don't really touch. But I

681
00:32:44,280 --> 00:32:47,240
Speaker 2: don't really think it needs to be that high. But

682
00:32:47,520 --> 00:32:51,400
Speaker 2: I just sort of think because since my housing is

683
00:32:51,440 --> 00:32:55,239
Speaker 2: attached to like my boyfriend's job, like if we break up,

684
00:32:55,480 --> 00:32:57,640
Speaker 2: I'm going to need to find a place to live

685
00:32:57,840 --> 00:33:00,920
Speaker 2: and move away potentially, So it is kind of nice.

686
00:33:00,760 --> 00:33:02,120
Speaker 4: To have that buffer.

687
00:33:02,240 --> 00:33:04,800
Speaker 2: But I like, I don't really think I needed that high,

688
00:33:05,320 --> 00:33:06,880
Speaker 2: Like I don't think we're going to break up, no.

689
00:33:07,000 --> 00:33:09,280
Speaker 3: But it's also nice to know that, like you've got

690
00:33:09,360 --> 00:33:12,160
Speaker 3: that financial freedom. Yeah, Like I think that the coolest

691
00:33:12,240 --> 00:33:15,400
Speaker 3: thing about being a woman in twenty twenty six. Is

692
00:33:15,480 --> 00:33:18,600
Speaker 3: that like having your emergency fund set up and having

693
00:33:18,640 --> 00:33:21,880
Speaker 3: everything organized means you can just say no to literally anything.

694
00:33:21,960 --> 00:33:22,120
Speaker 2: Yeah.

695
00:33:22,200 --> 00:33:24,160
Speaker 3: Like, don't get me wrong, I'm sure you're obsessed with

696
00:33:24,240 --> 00:33:26,400
Speaker 3: your boyfriend and we've got no plans of changing. But

697
00:33:26,800 --> 00:33:28,600
Speaker 3: to be able to be in a situation where if

698
00:33:28,680 --> 00:33:30,960
Speaker 3: anything ever happened, you could be like, no, you get

699
00:33:31,040 --> 00:33:33,480
Speaker 3: in the bin and walk out and be fine. Yeah,

700
00:33:33,600 --> 00:33:34,520
Speaker 3: what a flip.

701
00:33:34,800 --> 00:33:37,440
Speaker 2: So once I had paid off my car loan. When

702
00:33:37,480 --> 00:33:40,280
Speaker 2: I was paying it off, I kept my emergency fund

703
00:33:40,320 --> 00:33:42,479
Speaker 2: at like five thousand dollars, and then I still had

704
00:33:42,560 --> 00:33:45,000
Speaker 2: my normal bill splits. But that was before I moved

705
00:33:45,000 --> 00:33:46,880
Speaker 2: in with my boyfriend, so I had breads, so my

706
00:33:47,400 --> 00:33:50,480
Speaker 2: expenses were a little bit higher. But once I paid

707
00:33:50,520 --> 00:33:53,560
Speaker 2: it off, I then built it up to ten thousand,

708
00:33:53,720 --> 00:33:54,200
Speaker 2: and then.

709
00:33:54,640 --> 00:33:56,440
Speaker 4: If I ever touch it, I just top it back up.

710
00:33:56,520 --> 00:34:00,200
Speaker 2: But any leftover money just immediately goes into savings, and

711
00:34:00,960 --> 00:34:03,880
Speaker 2: in savings at the moment, I have fourteen thousand dollars,

712
00:34:04,480 --> 00:34:05,560
Speaker 2: So that's stop it.

713
00:34:06,320 --> 00:34:07,360
Speaker 3: And you're twenty five.

714
00:34:07,960 --> 00:34:11,000
Speaker 4: Yeah, that's not including like my emergency fun or anything

715
00:34:11,080 --> 00:34:11,200
Speaker 4: like that.

716
00:34:11,239 --> 00:34:13,520
Speaker 3: So your emergency is ten grand. You've then got fourteen

717
00:34:13,600 --> 00:34:16,600
Speaker 3: thousand in savings. What else is sitting in other places?

718
00:34:16,840 --> 00:34:18,120
Speaker 3: What was your investment total?

719
00:34:18,320 --> 00:34:18,840
Speaker 2: A thousand?

720
00:34:19,040 --> 00:34:21,719
Speaker 3: Yep, and then you've got your super like you are

721
00:34:22,440 --> 00:34:26,520
Speaker 3: really building yourself up. Well look at you go. I'm

722
00:34:26,640 --> 00:34:29,520
Speaker 3: so proud. I just get so excited, Like I want

723
00:34:29,560 --> 00:34:31,560
Speaker 3: to hug fever when they tell me, and like if

724
00:34:31,600 --> 00:34:33,600
Speaker 3: you've ever met me in person and you come up

725
00:34:33,640 --> 00:34:35,160
Speaker 3: to me and you're like, look what I've done, like

726
00:34:35,440 --> 00:34:37,719
Speaker 3: you would know that, I like basically jump on you

727
00:34:37,840 --> 00:34:41,000
Speaker 3: because I'm just so excited about it. Yeah, I also

728
00:34:41,080 --> 00:34:44,279
Speaker 3: want to be extra pervy. Tell me about your boyfriend, So, like,

729
00:34:44,400 --> 00:34:47,240
Speaker 3: how does this dude have four investment properties?

730
00:34:47,640 --> 00:34:51,200
Speaker 2: He's insanely good with money, Like these whole families good

731
00:34:51,239 --> 00:34:53,840
Speaker 2: with money, Like all of his siblings have investment properties,

732
00:34:54,120 --> 00:34:57,880
Speaker 2: investments and things like that, and he's like family fully

733
00:34:58,000 --> 00:35:02,040
Speaker 2: built everything they have. Now he got nothing given to

734
00:35:02,160 --> 00:35:05,520
Speaker 2: him at all. And when he was a teenager, he

735
00:35:05,640 --> 00:35:07,640
Speaker 2: was just also really good at savings. Like he would

736
00:35:07,680 --> 00:35:10,480
Speaker 2: tell me how when he was you know, he was

737
00:35:10,560 --> 00:35:14,719
Speaker 2: working at the local supermarket and he would take all

738
00:35:14,840 --> 00:35:17,160
Speaker 2: the money out of the bank and then take it

739
00:35:17,200 --> 00:35:19,560
Speaker 2: to a different bank that had a high interest savings account.

740
00:35:19,960 --> 00:35:22,160
Speaker 4: You know, and he'd like would have like thirty grand

741
00:35:22,280 --> 00:35:25,080
Speaker 4: or something just as a teenager.

742
00:35:25,200 --> 00:35:28,800
Speaker 2: I know. And then so he bought his first house

743
00:35:29,160 --> 00:35:32,760
Speaker 2: when he was like twenty I think it was a baby,

744
00:35:32,920 --> 00:35:35,920
Speaker 2: I know. And now he has four. They're all in

745
00:35:36,120 --> 00:35:39,719
Speaker 2: regional towns, so they were like a bit cheaper to

746
00:35:39,760 --> 00:35:41,800
Speaker 2: buy compared to if you bought something in Melbourne.

747
00:35:42,040 --> 00:35:44,319
Speaker 3: Look, I'm not gonna lie. I did assume that they

748
00:35:44,360 --> 00:35:47,720
Speaker 3: would have been regional, just because you are in farming

749
00:35:48,000 --> 00:35:50,200
Speaker 3: and like, you know, you're a bit further out. And

750
00:35:50,320 --> 00:35:52,760
Speaker 3: to be honest, if you said, oh, Victoria, he lives

751
00:35:52,880 --> 00:35:55,120
Speaker 3: on like two k's from the Melbourne CBD, you know,

752
00:35:55,120 --> 00:35:57,800
Speaker 3: owns for properties, I'd be like, what in the wealth?

753
00:35:57,960 --> 00:36:00,320
Speaker 3: Like that has to be intergenerational, Like you know what,

754
00:36:00,840 --> 00:36:03,959
Speaker 3: I will wait for the day that we meet someone

755
00:36:04,040 --> 00:36:06,880
Speaker 3: who's like I own multiple investment properties and had absolutely

756
00:36:06,960 --> 00:36:09,520
Speaker 3: no help. They're all in their CBD. Yeah, that's just

757
00:36:09,680 --> 00:36:11,560
Speaker 3: not going to happen. I'm really sorry.

758
00:36:11,719 --> 00:36:15,319
Speaker 2: Yeah no. So, yeah, he's just always been really really

759
00:36:15,440 --> 00:36:19,000
Speaker 2: really clever with money, Like having one hundred thousand dollars

760
00:36:19,120 --> 00:36:22,759
Speaker 2: in a bank account is just a normal thing for him.

761
00:36:23,440 --> 00:36:27,640
Speaker 2: But he does earn really good money. So he manages

762
00:36:27,680 --> 00:36:30,560
Speaker 2: afarrog and he's on one hundred and fifty thousand dollars

763
00:36:30,880 --> 00:36:34,920
Speaker 2: a year, but then he also gets a free house

764
00:36:35,239 --> 00:36:38,120
Speaker 2: and a free car and like a phone and things

765
00:36:38,200 --> 00:36:40,279
Speaker 2: like that. So I think his salary package all up

766
00:36:40,440 --> 00:36:43,959
Speaker 2: is like two hundred thousand, and he's yeah, it would

767
00:36:44,000 --> 00:36:44,920
Speaker 2: be twenty seven.

768
00:36:45,080 --> 00:36:47,080
Speaker 4: And he got that job when he was twenty three.

769
00:36:47,280 --> 00:36:51,440
Speaker 3: He's only twenty seven. What a weapon. Like maybe we

770
00:36:51,480 --> 00:36:54,759
Speaker 3: should start doing like he's on the money Money Diary. Yeah,

771
00:36:54,880 --> 00:36:57,080
Speaker 3: but like, don't get me wrong, Like I'm just pervy.

772
00:36:57,120 --> 00:36:58,319
Speaker 3: I want to know what you've got. I don't want

773
00:36:58,360 --> 00:37:00,799
Speaker 3: to listen to a whole podcast about a talking about

774
00:37:00,840 --> 00:37:02,880
Speaker 3: his wealth, Like I can't learn anything from that order

775
00:37:02,880 --> 00:37:04,000
Speaker 3: to talk to his girlfriend, you know.

776
00:37:04,280 --> 00:37:07,080
Speaker 2: Yeah. So he kind of has been a really positive

777
00:37:07,280 --> 00:37:11,439
Speaker 2: influence on me because I kind of didn't really think

778
00:37:11,600 --> 00:37:15,399
Speaker 2: that it was sort of normal or possible for people

779
00:37:15,480 --> 00:37:18,000
Speaker 2: to have It's probably not normal, but to have that

780
00:37:18,160 --> 00:37:21,600
Speaker 2: sort of money when they're so young and you know,

781
00:37:21,760 --> 00:37:24,600
Speaker 2: be able to save so well and not be frivolous

782
00:37:24,719 --> 00:37:27,640
Speaker 2: with money, and like we're super super open about our

783
00:37:27,719 --> 00:37:28,600
Speaker 2: money together.

784
00:37:29,960 --> 00:37:31,480
Speaker 4: Like what I would say, I'd be like, oh.

785
00:37:31,480 --> 00:37:34,279
Speaker 2: My God, I've got fifteen thousand dollars and I'm like,

786
00:37:34,400 --> 00:37:37,120
Speaker 2: now I've got twenty thousand dollars and yeah.

787
00:37:37,280 --> 00:37:39,400
Speaker 3: Yeah, And you say it's not normal, And don't get

788
00:37:39,440 --> 00:37:41,759
Speaker 3: me wrong, it's not because normal would be defined as

789
00:37:41,800 --> 00:37:45,200
Speaker 3: something that like most people do. Yeah, but it's not unrealistic.

790
00:37:45,680 --> 00:37:48,600
Speaker 3: So it might not be the norm, but it's not impossible.

791
00:37:48,680 --> 00:37:51,239
Speaker 3: And I think that that's what's just so cool is

792
00:37:51,320 --> 00:37:54,120
Speaker 3: that these things are possible for us, and sometimes we

793
00:37:54,239 --> 00:37:55,960
Speaker 3: just need to hear stories of other people doing it

794
00:37:56,080 --> 00:37:58,040
Speaker 3: to be like, wait, that could be a possibility for me.

795
00:37:58,200 --> 00:38:01,320
Speaker 3: That's crazy, Like what could I do to step towards that?

796
00:38:01,440 --> 00:38:03,600
Speaker 3: And I mean, you know, there's a lot of and

797
00:38:03,760 --> 00:38:06,080
Speaker 3: I'm going to use the word privilege again, but privilege

798
00:38:06,160 --> 00:38:08,719
Speaker 3: involved with that because obviously you have to be in

799
00:38:08,760 --> 00:38:10,759
Speaker 3: the right place and have the right family to be

800
00:38:10,800 --> 00:38:13,640
Speaker 3: able to take that job, because otherwise, like that job

801
00:38:13,719 --> 00:38:16,640
Speaker 3: isn't just gonna you know, turn up, Like there aren't

802
00:38:16,680 --> 00:38:18,799
Speaker 3: that many jobs floating around where I'm like, well, if

803
00:38:18,880 --> 00:38:22,640
Speaker 3: you just move regionally, like that's not how it works,

804
00:38:22,760 --> 00:38:25,520
Speaker 3: but like what other things could you do? Like could

805
00:38:25,640 --> 00:38:29,239
Speaker 3: moving regionally and doing a job like yours beat an option, Like, yeah,

806
00:38:29,360 --> 00:38:31,719
Speaker 3: just there are so many opportunities out there and I

807
00:38:31,840 --> 00:38:33,920
Speaker 3: just love that we get to learn about them through

808
00:38:34,000 --> 00:38:36,400
Speaker 3: people like you on our show, Like what a privilege?

809
00:38:36,600 --> 00:38:39,880
Speaker 4: Yeah, and like it rents a lot cheaper if you

810
00:38:40,080 --> 00:38:41,040
Speaker 4: move regionally.

811
00:38:41,480 --> 00:38:45,480
Speaker 2: Obviously supermarkets are more expensive and things like that are

812
00:38:45,520 --> 00:38:48,600
Speaker 2: more expensive, but just day to day life I think

813
00:38:49,080 --> 00:38:51,400
Speaker 2: works out to be cheaper. And you know, there is

814
00:38:51,440 --> 00:38:54,120
Speaker 2: a lot of incentives for people to move regional. Like

815
00:38:54,200 --> 00:38:56,440
Speaker 2: I have a few friends who are teachers and they

816
00:38:56,520 --> 00:38:58,920
Speaker 2: get paid a fair bit more than people who are

817
00:38:59,000 --> 00:39:03,279
Speaker 2: teachers in CBD and things like that. So yeah yeah,

818
00:39:03,320 --> 00:39:05,239
Speaker 2: and like you know, you can buy a house for

819
00:39:05,600 --> 00:39:07,120
Speaker 2: three hundred thousand dollars.

820
00:39:07,600 --> 00:39:10,799
Speaker 3: So see that's crazy to me. Like not actually because

821
00:39:10,840 --> 00:39:13,080
Speaker 3: like I finance those houses day and day out, but

822
00:39:13,239 --> 00:39:16,520
Speaker 3: just like the idea that it's as accessible as it

823
00:39:16,640 --> 00:39:17,360
Speaker 3: is nowadays.

824
00:39:17,560 --> 00:39:18,040
Speaker 2: Yeah, I love it.

825
00:39:18,160 --> 00:39:20,680
Speaker 3: It makes me so happy. Yeah, money dost And what

826
00:39:20,760 --> 00:39:22,200
Speaker 3: do you think your worst money howbit is.

827
00:39:22,680 --> 00:39:24,560
Speaker 4: Honestly my spending guilt.

828
00:39:24,760 --> 00:39:27,880
Speaker 2: It's really really bad. Like I'll think on a purchase

829
00:39:28,120 --> 00:39:31,160
Speaker 2: for so so long, and like if I want to

830
00:39:31,200 --> 00:39:33,680
Speaker 2: buy a dress, I'll send it to all my friends

831
00:39:33,760 --> 00:39:35,640
Speaker 2: and then weeks later, I'll send it to all of

832
00:39:35,719 --> 00:39:37,800
Speaker 2: them again and I'll just like just get it, like,

833
00:39:38,040 --> 00:39:38,360
Speaker 2: come on.

834
00:39:38,880 --> 00:39:41,440
Speaker 3: That's definitely you putting more than twenty four hours between

835
00:39:41,480 --> 00:39:42,280
Speaker 3: you and your spending.

836
00:39:42,680 --> 00:39:45,239
Speaker 2: Yeah, and I just feel like guilty. And then I

837
00:39:45,400 --> 00:39:50,640
Speaker 2: think sometimes I don't think my friends understand that I

838
00:39:51,480 --> 00:39:54,520
Speaker 2: spend money on things I value and not on things

839
00:39:54,560 --> 00:39:57,120
Speaker 2: that I don't value, you know, So I don't know,

840
00:39:57,200 --> 00:39:58,799
Speaker 2: I don't want to go to the pub every night

841
00:39:58,840 --> 00:40:01,080
Speaker 2: of the week and get like a thirty dollars meal

842
00:40:01,480 --> 00:40:03,960
Speaker 2: because that's not something that I value and want to

843
00:40:03,960 --> 00:40:06,960
Speaker 2: spend my money on. Whether I might be like, oh,

844
00:40:07,120 --> 00:40:09,279
Speaker 2: you know, don't be cheap, like you can afford it,

845
00:40:09,440 --> 00:40:11,120
Speaker 2: and it's like, just because I can't afford it doesn't

846
00:40:11,120 --> 00:40:12,360
Speaker 2: mean that I want to spend my money on.

847
00:40:12,400 --> 00:40:15,279
Speaker 3: It exactly, And like we are all here spending money

848
00:40:15,280 --> 00:40:18,479
Speaker 3: in line with our values. And in your submission you said,

849
00:40:18,760 --> 00:40:21,480
Speaker 3: I just think I might always be the cheap friend.

850
00:40:21,719 --> 00:40:21,959
Speaker 2: Yeah.

851
00:40:22,440 --> 00:40:25,560
Speaker 3: What does that look like though? Like are you actually

852
00:40:25,640 --> 00:40:27,720
Speaker 3: being the cheap friend or are you being the smart

853
00:40:27,960 --> 00:40:29,000
Speaker 3: financial friend?

854
00:40:29,480 --> 00:40:35,000
Speaker 2: I think I'm being maybe a bit too savvy sometimes,

855
00:40:35,120 --> 00:40:40,480
Speaker 2: but not really like there's genuinely nothing that I've not

856
00:40:40,760 --> 00:40:44,799
Speaker 2: bought that I've really regretted, you know. So I think

857
00:40:44,880 --> 00:40:48,520
Speaker 2: it's just their perception of me probably being cheap and

858
00:40:49,239 --> 00:40:51,359
Speaker 2: not wanting to spend my money on lots of different things.

859
00:40:51,440 --> 00:40:54,719
Speaker 2: You know, if we go away and I'll always look

860
00:40:54,840 --> 00:40:58,160
Speaker 2: like the cheaper hotel option because it's just a place

861
00:40:58,239 --> 00:41:01,040
Speaker 2: to stay. It's not something that I want to go

862
00:41:01,239 --> 00:41:05,560
Speaker 2: big on. But yeah, I just do worry that I will.

863
00:41:05,880 --> 00:41:08,200
Speaker 2: I don't know. I just feel really really guilty spending

864
00:41:08,280 --> 00:41:10,799
Speaker 2: money sometimes and I think it's not good.

865
00:41:12,040 --> 00:41:14,520
Speaker 3: Yes and no, maybe your worst money habit is your

866
00:41:14,640 --> 00:41:17,759
Speaker 3: mindset around money still, because I think you can still

867
00:41:17,800 --> 00:41:23,040
Speaker 3: be the cheap friend and enjoy your friend's company and

868
00:41:23,200 --> 00:41:25,279
Speaker 3: be part of the action and be part of what's

869
00:41:25,360 --> 00:41:29,120
Speaker 3: going on, because you know that's me. Sometimes I'll be like, oh, oh,

870
00:41:29,200 --> 00:41:32,600
Speaker 3: come out. Yeah, but I don't really want to buy dinner,

871
00:41:32,760 --> 00:41:35,120
Speaker 3: like I'm maybe not feeling it or I just don't

872
00:41:35,200 --> 00:41:37,279
Speaker 3: want to eat there or whatever it is. Yeah, and

873
00:41:37,320 --> 00:41:40,680
Speaker 3: I think that that's absolutely fine. But also you're probably

874
00:41:40,760 --> 00:41:43,239
Speaker 3: teaching your friends some really good money habits, so they

875
00:41:43,280 --> 00:41:43,920
Speaker 3: are welcome.

876
00:41:44,160 --> 00:41:44,359
Speaker 5: Yeah.

877
00:41:44,560 --> 00:41:46,399
Speaker 4: I do love talking to my friends about money.

878
00:41:46,440 --> 00:41:50,560
Speaker 2: Sometimes I find it quite frustrating because I can see

879
00:41:50,600 --> 00:41:53,399
Speaker 2: what they're doing, and then they'll complain about not having money,

880
00:41:53,480 --> 00:41:56,480
Speaker 2: but I'll like have a bit of a background knowledge,

881
00:41:56,600 --> 00:41:58,719
Speaker 2: being like, well, I know why you don't, but it's

882
00:41:58,800 --> 00:41:59,640
Speaker 2: not really my place.

883
00:42:00,160 --> 00:42:02,680
Speaker 3: No, No, you can't be like, hey, did you realize

884
00:42:02,719 --> 00:42:03,520
Speaker 3: that you're the problem?

885
00:42:04,320 --> 00:42:08,719
Speaker 2: No exactly. So yeah, sometimes I do struggle with that,

886
00:42:09,000 --> 00:42:12,760
Speaker 2: or I think sometimes too, I compare myself to people

887
00:42:12,840 --> 00:42:16,399
Speaker 2: a lot, like where we live is quite a rich

888
00:42:16,560 --> 00:42:20,800
Speaker 2: farming area, and so I see a lot of wealth around,

889
00:42:21,480 --> 00:42:24,160
Speaker 2: and I see a lot of like rich people around,

890
00:42:24,280 --> 00:42:28,000
Speaker 2: you know, like helicopters, planes, brand new cars and things

891
00:42:28,120 --> 00:42:31,200
Speaker 2: like that. Wow. Yeah, so I see that, and I

892
00:42:31,320 --> 00:42:34,759
Speaker 2: think I wish that was me and comparing myself to them,

893
00:42:34,880 --> 00:42:40,160
Speaker 2: but you know, they've got intergenerational wealth backing them up also,

894
00:42:40,280 --> 00:42:43,040
Speaker 2: like they do obviously work very very hard for what

895
00:42:43,160 --> 00:42:46,440
Speaker 2: they have. So I think sometimes I compare myself.

896
00:42:46,520 --> 00:42:49,000
Speaker 3: You're also a baby, Like, let's remember that you're only

897
00:42:49,120 --> 00:42:52,359
Speaker 3: twenty five, and like the way that you're setting yourself up,

898
00:42:52,440 --> 00:42:55,000
Speaker 3: you're going to be part of that wealthy group at

899
00:42:55,080 --> 00:42:57,239
Speaker 3: some point in the future, Like you're just at a

900
00:42:57,320 --> 00:42:59,160
Speaker 3: different chapter, babe, Like, don't.

901
00:42:58,960 --> 00:43:00,800
Speaker 4: Stick ahead, you know, I do need to do that.

902
00:43:01,000 --> 00:43:04,200
Speaker 2: Like, oh, sometimes I talk about like getting because I

903
00:43:04,320 --> 00:43:06,799
Speaker 2: need to get a new car, but I'm not really

904
00:43:06,920 --> 00:43:09,719
Speaker 2: going to but I think, oh, like I don't need,

905
00:43:09,960 --> 00:43:12,040
Speaker 2: you know, a brand new three hundred series because I

906
00:43:12,040 --> 00:43:12,759
Speaker 2: don't have kids.

907
00:43:13,480 --> 00:43:16,960
Speaker 3: So no, no, but like it's nice to look.

908
00:43:17,080 --> 00:43:19,920
Speaker 2: Maybe when I'm like thirty five and have kids, then

909
00:43:19,960 --> 00:43:22,400
Speaker 2: I can get the mom car. But I don't need

910
00:43:22,440 --> 00:43:23,400
Speaker 2: the mom car right now.

911
00:43:23,760 --> 00:43:25,960
Speaker 3: No, And do you know what, Like as I say

912
00:43:26,000 --> 00:43:27,719
Speaker 3: to all of my friends who want the mom car

913
00:43:27,800 --> 00:43:30,040
Speaker 3: when they're not a mum, I'm like, now I'm a mom,

914
00:43:30,239 --> 00:43:33,680
Speaker 3: and my car is arguably not big enough. Like I

915
00:43:33,840 --> 00:43:35,919
Speaker 3: crave the little car. Like I saw a Mini Cooper

916
00:43:35,960 --> 00:43:37,919
Speaker 3: the other day and I was like, how cute would

917
00:43:37,960 --> 00:43:40,560
Speaker 3: that be to get around town and like you know,

918
00:43:40,760 --> 00:43:42,480
Speaker 3: zip in and out like at the moment my car.

919
00:43:43,280 --> 00:43:45,799
Speaker 3: You know, I just feel like we all want something

920
00:43:45,880 --> 00:43:48,440
Speaker 3: that we don't have, and like I think we need

921
00:43:48,520 --> 00:43:51,120
Speaker 3: to remind ourselves of that because it's just so easy

922
00:43:51,719 --> 00:43:53,479
Speaker 3: to want something other than.

923
00:43:53,400 --> 00:43:56,600
Speaker 2: What you have. Yeah. So definitely, like comparing myself to

924
00:43:57,239 --> 00:44:00,000
Speaker 2: you know, people who are in completely different situations in life,

925
00:44:00,080 --> 00:44:02,239
Speaker 2: life is probably not great to do.

926
00:44:02,680 --> 00:44:04,640
Speaker 3: Well, let's reframe it and see if we can use

927
00:44:04,719 --> 00:44:06,880
Speaker 3: them as inspiration to build more wealth.

928
00:44:06,960 --> 00:44:09,440
Speaker 2: Yeah, definitely, Money Diarist.

929
00:44:09,480 --> 00:44:11,800
Speaker 3: At the start of the show, you gave me a

930
00:44:11,920 --> 00:44:14,560
Speaker 3: money grade. Now that we've spoken, do you think that's

931
00:44:14,600 --> 00:44:16,920
Speaker 3: still reflective or do you think it would change it

932
00:44:17,000 --> 00:44:17,560
Speaker 3: a little bit?

933
00:44:18,200 --> 00:44:21,360
Speaker 2: Nah, I think I'd probably stick with the B plus.

934
00:44:21,480 --> 00:44:23,800
Speaker 2: There's a few things that I need to sort of

935
00:44:24,360 --> 00:44:29,000
Speaker 2: fix with my mindset. I think around spending la. I

936
00:44:29,040 --> 00:44:32,480
Speaker 2: think I'm good with money, but I think the spending

937
00:44:32,800 --> 00:44:36,279
Speaker 2: guilt is probably not great. And then yeah, I know

938
00:44:36,360 --> 00:44:38,200
Speaker 2: I saw that personal insurance.

939
00:44:39,680 --> 00:44:43,359
Speaker 3: I mean that would definitely take you up to an A. Yeah, absolutely,

940
00:44:43,520 --> 00:44:46,200
Speaker 3: and that's an easy win. Yeah, I won't argue with you.

941
00:44:46,680 --> 00:44:49,719
Speaker 3: I feel like we're all on our own journey. But like,

942
00:44:49,840 --> 00:44:52,239
Speaker 3: comparison is literally the thief of joy, and I think

943
00:44:52,320 --> 00:44:54,680
Speaker 3: the thing that we need to remember is that even

944
00:44:54,719 --> 00:44:59,080
Speaker 3: those people that we're comparing ourselves to, they're comparing themselves like, yeah,

945
00:44:59,280 --> 00:45:01,800
Speaker 3: just the idea, Yeah that you know, they might be

946
00:45:01,840 --> 00:45:04,640
Speaker 3: flying off in a helicopter, that's great, They're looking at

947
00:45:04,680 --> 00:45:07,719
Speaker 3: their friends who have the better helicopter, and like, we

948
00:45:07,920 --> 00:45:11,160
Speaker 3: need to be really happy with what we have because

949
00:45:11,880 --> 00:45:14,680
Speaker 3: from my perspective, How on earth are you going to

950
00:45:14,680 --> 00:45:17,040
Speaker 3: be happy with more if you're not grateful for what

951
00:45:17,160 --> 00:45:19,960
Speaker 3: you already have? Yeah, And like I try to ground

952
00:45:20,080 --> 00:45:22,080
Speaker 3: myself in that a lot, because I'm like, no, no, no,

953
00:45:22,320 --> 00:45:24,440
Speaker 3: Like I'm really grateful for where I am and what

954
00:45:24,600 --> 00:45:26,920
Speaker 3: I have, because how on earth are we going to

955
00:45:26,920 --> 00:45:29,279
Speaker 3: be excited about the next thing? And like, girlfriend, like

956
00:45:29,440 --> 00:45:33,520
Speaker 3: let's just like pretend tomorrow you get a helicopter. Amazing,

957
00:45:34,040 --> 00:45:36,040
Speaker 3: but like, one, what the heck are we going to

958
00:45:36,080 --> 00:45:38,640
Speaker 3: do with it? True, if we're not grateful for what

959
00:45:38,719 --> 00:45:40,200
Speaker 3: we have at home, we're then going to get the

960
00:45:40,239 --> 00:45:42,040
Speaker 3: helicopter and then be looking for the next thing.

961
00:45:42,200 --> 00:45:42,359
Speaker 2: Yea.

962
00:45:42,600 --> 00:45:45,440
Speaker 3: And like there's something to say about people who were

963
00:45:45,520 --> 00:45:49,560
Speaker 3: just full of gratitude, and like I'm just always looking

964
00:45:49,640 --> 00:45:52,080
Speaker 3: at like the mindset of other people. And now I

965
00:45:52,200 --> 00:45:55,959
Speaker 3: feel like and again, comparison is the thief of joy.

966
00:45:56,200 --> 00:45:58,319
Speaker 3: I have to keep reminding myself that. But like I'm

967
00:45:58,360 --> 00:46:00,960
Speaker 3: now comparing myselves to people who while like, oh I'm

968
00:46:01,000 --> 00:46:03,320
Speaker 3: so happy, I'm so fulfilled, I'm so this, I'm so that,

969
00:46:03,440 --> 00:46:04,640
Speaker 3: And then I'm like I want to be you too,

970
00:46:04,840 --> 00:46:06,920
Speaker 3: So like I feel like you never escape it, but

971
00:46:06,960 --> 00:46:09,919
Speaker 3: you've got to consistently remind yourself, no, that's not where

972
00:46:09,960 --> 00:46:11,560
Speaker 3: I want to be. No, that's not where I want

973
00:46:11,600 --> 00:46:13,879
Speaker 3: to be, and like remind yourself that you're a bad

974
00:46:13,960 --> 00:46:14,279
Speaker 3: us too.

975
00:46:14,520 --> 00:46:17,600
Speaker 2: Yeah. Yeah, I think I need to be more grateful

976
00:46:17,880 --> 00:46:20,640
Speaker 2: for the season that I'm in at the moment and

977
00:46:21,040 --> 00:46:24,319
Speaker 2: appreciate what I do have and how fortunate I am

978
00:46:24,600 --> 00:46:28,399
Speaker 2: compared to other people, but also acknowledge that I did

979
00:46:28,719 --> 00:46:31,200
Speaker 2: make sacrifices and like work hard to get to where

980
00:46:31,239 --> 00:46:32,800
Speaker 2: I am. Yeah you did this?

981
00:46:33,080 --> 00:46:37,040
Speaker 3: Yeah, how cool money, Diris. It has been an absolute

982
00:46:37,080 --> 00:46:38,960
Speaker 3: pleasure having you on the show, and I just know

983
00:46:39,080 --> 00:46:40,880
Speaker 3: so many people are going to be as perfy on

984
00:46:41,080 --> 00:46:44,080
Speaker 3: what cattle genetics looks like as I am, but also

985
00:46:44,120 --> 00:46:48,320
Speaker 3: about your whole money story, like genuinely so impressive. So

986
00:46:48,520 --> 00:46:50,560
Speaker 3: thank you so much for spending so much time with me.

987
00:46:50,640 --> 00:46:51,719
Speaker 3: I really appreciate it.

988
00:46:51,800 --> 00:46:59,800
Speaker 6: It's the advice sheared on Cheese on the money is

989
00:47:00,040 --> 00:47:03,520
Speaker 6: general in nature and does not consider your individual circumstances.

990
00:47:03,880 --> 00:47:07,279
Speaker 6: She's on the money exists purely for educational purposes and

991
00:47:07,360 --> 00:47:09,759
Speaker 6: should not be relied upon to make an investment or

992
00:47:09,880 --> 00:47:13,799
Speaker 6: financial decision. If you do choose to buy a financial product.

993
00:47:13,520 --> 00:47:17,480
Speaker 3: Read the PDS TMD and obtain appropriate financial advice tailored

994
00:47:17,520 --> 00:47:20,959
Speaker 3: towards your needs. Victoria Divine and She's on the Money

995
00:47:21,040 --> 00:47:25,960
Speaker 3: are authorized representatives of Money Sherper Pty Ltd ABN three

996
00:47:26,040 --> 00:47:29,279
Speaker 3: two one six four nine two seven seven zero eight

997
00:47:29,600 --> 00:47:32,120
Speaker 3: AFSL four five one two eight nine