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

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

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

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

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

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

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 4: us that makes personal finance fun, especially on Fridays. It

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Speaker 4: is our favorite day of the week because I get

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Speaker 4: to get my little team together and celebrate you our

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Speaker 4: incredible Shees on the Money community. It's just greachy. You've

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Speaker 4: got some favorite money wins to share from the community,

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Speaker 4: Miss beck say ed you better have some festive broke

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Speaker 4: tips for us, And we're going to be helping to

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Speaker 4: answer a juicy money dilemma this week. It's all about

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Speaker 4: what do you do when your friends, question the ethics

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Speaker 4: of your investments, and something that you slid into our

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Speaker 4: dms about Christmas bonuses the festive norm, or just wish

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Speaker 4: for thinking it is the last Friday before Christmas.

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Speaker 5: I love Christmas, such a coziness, such a magical energy

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Speaker 5: in the airge the joys, and you.

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Speaker 2: Can like everything spells different, everything looks it. Really it

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Speaker 2: feels different.

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Speaker 4: It's just such a nice I like this, and I

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Speaker 4: really like feeling the world.

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Speaker 2: It's arguably better than Christmas.

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Speaker 4: Day lead up anticipation. It's like the decorating. I don't know.

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Speaker 4: I feel like it becomes lots about like friends and family,

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Speaker 4: and like, I don't like the thing. This is me

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Speaker 4: being like maybe a little bit of a grinch. No,

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Speaker 4: I don't want to catch up with you before Christmas.

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Speaker 4: If you've only just worked out that we haven't seen

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Speaker 4: each other in six plus months, being like, oh my god,

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Speaker 4: have you got time before Christmas? I don't know. I

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Speaker 4: actually don't, Sorry, I don't. It was already six months

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Speaker 4: since you and I have seen each other, and if

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Speaker 4: it was the first six months of the year, you

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Speaker 4: would have let it go another six months so we

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Speaker 4: can catch up in January February.

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Speaker 6: Is that cool?

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Speaker 2: Sure?

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Speaker 5: Sure, sure, I totally get it, But like, I know,

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Speaker 5: Calender's bursting us.

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Speaker 4: I'm so tired. Jess and I have been working our

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Speaker 4: butts off in the lead up to like going on

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Speaker 4: Christmas break, Like, I just I don't have time. I

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Speaker 4: would love to have drinks. Can you just invite me

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Speaker 4: to drinks, like on a normal Wednesday? Is that okay?

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Speaker 4: Any other Wednesday, normal Wednesday drinks? Let's let's normalize that.

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Speaker 4: I completely agree. But what's your favorite festive treat? Like,

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Speaker 4: what are you making sure you're eating next week?

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Speaker 2: You go first?

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Speaker 4: Yes, I love a gingerbread. Oh have you made gingerbread?

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Speaker 6: I have, and I do so I do gingerbread with

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Speaker 6: real icing piped on it. So it's kind of like

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Speaker 6: in realizing ginger.

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Speaker 4: They're so good and gingerbread, Yeah, we know you do.

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Speaker 4: We basically canceled Jessica last Christmas, right, so like, but

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Speaker 4: she's on the money. Girls, We were like, will you

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Speaker 4: bit artsy crafty? So we decided that we're all going

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Speaker 4: to come to my house and we're going to make

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Speaker 4: gingerbread houses. But Beck, we got the like pre made

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Speaker 4: gingerbread houses. You just had to decorate them, and it

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Speaker 4: kind of became like a competition of everyone decorating there.

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Speaker 2: Of course there's the.

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Speaker 4: Best, right, and so like I'm there messing it up.

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Speaker 4: I think a few ginger Yeah, thank you, she doesn't

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Speaker 4: mean that. I think a few people's gingerbread houses fell

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Speaker 4: over before we even began. Structural integrity was not there

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Speaker 4: exactly your architet, Like the expectations were too high. I

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Speaker 4: think someone made like a construction site out of there.

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Speaker 4: So were like, this is what I was to do.

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Speaker 2: Yeah, like after the demolition, Yeah.

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Speaker 4: It was like it's demo, like it's in right, like

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Speaker 4: haha anywhere ye. Jess was sitting over in the corner

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Speaker 4: like carefully piping on her bloody structuring. Yeah, like perfect

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Speaker 4: flowers of course. Literally everything was symmetrical, and we were

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Speaker 4: just like, cool, we'll just see ourselves out. Ours look

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Speaker 4: literally like a dog's breakfast literally, and then Jesses looks

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Speaker 4: like a little model house. So guess what we didn't

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Speaker 4: do this year? No gingerbread house, but if.

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Speaker 6: You're doing one with your friends, because we did a

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Speaker 6: gingerbread we do a gingerbread house with our friends, I say,

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Speaker 6: we add the structural integrity test.

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Speaker 4: So you do, oh yeah, you've seen the TikTok Why

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Speaker 4: they were all construction sites because jess shook all of

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Speaker 4: our bloody houses?

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Speaker 2: Is it earthquake proof? Is it?

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Speaker 6: You literally just get everyone around the table, you go, oh,

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Speaker 6: who's the cutest, whatever, who's is the strongest. You do

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Speaker 6: a little on the table, and you see, it's very fine.

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Speaker 4: I would our houses fell down except for Jessica.

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Speaker 5: This is great.

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Speaker 2: I'm actually gonna write this down.

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Speaker 6: It's really it's okay because then if you're if creativity

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Speaker 6: is not your thing.

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Speaker 4: You just you go for solid bills. Yes you know,

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Speaker 4: and yes the rest of our team had neither, and

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Speaker 4: that's okay too. We were there and we showed up,

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Speaker 4: and that is all that counts.

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Speaker 2: All the count.

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Speaker 5: But it's good to know there are several different categories

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Speaker 5: that you can wear multiple judging.

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Speaker 4: What's your favorite treat?

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Speaker 5: Okay, so I know this is a year round tree.

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Speaker 5: You can have this whenever you want. But there's something

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Speaker 5: so like cozy about the Nutmeggy cinnamon e cardamo me.

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Speaker 5: Are you going to say I'm not I'm seeing custard tart?

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Speaker 4: Okay, I was about to be like.

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Speaker 2: Ignog, Like what do you do with it?

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Speaker 4: It's ra eggs, like you guys are insane.

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Speaker 2: Yeah, but like what do you put where do you

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Speaker 2: put it?

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Speaker 4: Like? What is it in your mouth?

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Speaker 2: Like a drink to drink?

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Speaker 4: It is a legitimate drink from the carton, like you

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Speaker 4: like milk and you just drink it. You can or

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Speaker 4: you can make it. I remember I went to a

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Speaker 4: Christmas party one year. It was like I was in

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Speaker 4: high school and I went to this girl's house and

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Speaker 4: she made eggnog and they were like handing it around.

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Speaker 4: Jes don't give me that face. I didn't know what

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Speaker 4: it was. And it looked cute. It looks like yeah,

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Speaker 4: and she had these really cute glass tea cups and

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Speaker 4: I think it was because her family did eggnog all

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Speaker 4: the time, and it's like the way you do it. Anyway,

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Speaker 4: she gives me this thing and I thought it was cute,

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Speaker 4: and it smells like a custard tart, right like that

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Speaker 4: smelled like that smell so delicious. And I drank it

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Speaker 4: and I liked it. I did it did Yeah, it

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Speaker 4: was Have you tried it? It's actually it's like runny custard,

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Speaker 4: like it's actually really nice until you realize that the

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Speaker 4: eggs are raw. Yeah, everything about it just puts me unacceptable.

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Speaker 4: But if you didn't know, and I handed you a

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Speaker 4: cute little milkshake in a really cute glass tea cup,

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Speaker 4: you can drink it.

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Speaker 5: You gotta have raw egg I imagine I'm unacceptable.

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Speaker 4: Not on that boat. I'm gonna be honest unacceptable. It's

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Speaker 4: your favorite.

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Speaker 6: Treaty obviously Christmas crack actually either the Christmas crack, which

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Speaker 6: is like my favorite sweet treat.

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Speaker 4: But for me, there's two things that make Christmas. Sorry,

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Speaker 4: can I say three things that make Christmas? Christmas? Okay?

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Speaker 4: So it's fresh cherries, so like a big bowl of

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Speaker 4: like fresh cherries. I am very lucky. I grew up

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Speaker 4: on the morning to Mininsula and there's lots of cherry

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Speaker 4: farms around, and so we would go to a cherry

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Speaker 4: farm when we're younger and get like the box of cherries,

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Speaker 4: and so that always reminds me of Christmas. And for

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Speaker 4: some reason, maybe I don't know when cherry season is,

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Speaker 4: but like only buy cherries at Christmas.

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Speaker 2: I was gonna say, it's anyone like cherries.

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Speaker 4: Cherries, so like it's like a Christmas It is a

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Speaker 4: Christmas treat. Yeah, like they're the fruity treat. Fresh mangoes, yeah,

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Speaker 4: fresh fresh mangoes Christmas. And prawns, yeah, big king prawns,

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Speaker 4: Like you have to shell them yourselves. One year, Mum

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Speaker 4: and I shelled all of the prawns before Christmas for

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Speaker 4: everybody because we were like, oh, we're so nice, we

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Speaker 4: can to shell them all. Yeah, and the next day

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Speaker 4: you can just have them with Thousand Island dressing. Like

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Speaker 4: the thousand Island dressing. Anyway, ten out of ten prawns, cherries,

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Speaker 4: I'm sold for Christmas and a glass of champagne. Such

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Speaker 4: an uzzy Christmas thing. I love it. Oh, I don't

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Speaker 4: want winter Christmas, like, don't get me wrong, the idea.

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Speaker 4: And like we had a friends giving recently and I

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Speaker 4: did roast turkey, which, by the way, I think I

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Speaker 4: slayed it. Like I think I did a really good

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Speaker 4: job because I know turkey is hard to cook because

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Speaker 4: it goes really dry. But what I did was basically

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Speaker 4: buff the thing in butter. Yeah, so that's probably why

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Speaker 4: it tasted good. But turkey's not that good the reason

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Speaker 4: our turkey, yess, I'm you know, I'm not offended if

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Speaker 4: you were like me, turkey was so gay. Yeah, it

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Speaker 4: was well seasoned, like I had lots of seasoning, lots

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Speaker 4: of spice, there, lots of butter and salt and and

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Speaker 4: all of that, and I cooked it in chicken stock

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Speaker 4: to make sure it was extra delicious. But turkey is

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Speaker 4: not that good. Yeah, ausy of us.

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Speaker 6: When we do our friends like our friend Christmas friends mess,

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Speaker 6: we call it, we do just a Wollez Coal's roast chicken.

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Speaker 4: And call it a like. It's so much easier, and

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Speaker 4: to be honest, it's really cost effective.

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Speaker 6: One you don't because the toad like you had, you

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Speaker 6: went all in, you'd like a big ass like the

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Speaker 6: time and the space.

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Speaker 4: It's I wanted to impress you to it did a

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Speaker 4: great job. Yeah, and then everyone got to take home

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Speaker 4: leftovers and that was kind of wholesome. But I will

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Speaker 4: say that like a roast chicken on Christmas, you genius.

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Speaker 4: You know what you could do? You could pull it

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Speaker 4: out and put it like on a cute tray, or

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Speaker 4: you could like pull it out of the bag, break

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Speaker 4: it up, like get some kitchen scissors, break it up,

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Speaker 4: like get the drumsticks and stuff and put them on

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Speaker 4: a really nice plate reheated in the oven with some

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Speaker 4: foil over the top of it and maybe like put

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Speaker 4: some you could put water over the top of it

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Speaker 4: to keep it moist, or like some stock and maybe

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Speaker 4: some herbs or something. You you know, God's going to

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Speaker 4: deliberated and it would literally perfume your house. Yes, like

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Speaker 4: you've done a roast chok on your own.

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Speaker 2: You guys like a bubble and squeak.

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Speaker 4: I love a bubble and squeak Christmas Christmas leftovers. Yeah,

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Speaker 4: that's why you always have to do extra potato exactly

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Speaker 4: will bubble and squeak. My dad does the best bubble.

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Speaker 2: Yeah, it's just a big mash up of everything that's

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Speaker 2: left over from Christmas lunch. I'm actually shocked to the core.

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Speaker 4: What are you doing? Double and squeak traditionally is re

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Speaker 4: fried potatoes with whatever veggies or like roast meats that

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Speaker 4: you've got, but like potatoes would be the core of it.

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Speaker 4: And you kind of either use mashed potatoes like that's

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Speaker 4: the elite, or like whole potatoes, but you like crush

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Speaker 4: them a little bit and then put them together in

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Speaker 4: like little patties and then fry them on the frying pan.

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Speaker 4: And you would often have them for breakfast the next

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Speaker 4: morning after like Christmas or after some big event, or

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Speaker 4: you have lots of like roast leftovers with maybe like

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Speaker 4: poachy eggs on the top. O the egg makes because

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Speaker 4: it's a runny egg over the top. Yeah, that's a

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Speaker 4: great idea. Also, Cuby Mayo, Ah, Cuby Mayo or anything

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Speaker 4: five stars like five stars five stars. Speaking of five stars,

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Speaker 4: Miss jessic Ricci, would you like to hear a five

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Speaker 4: star review that we got this week? Oh? Absolutely credible?

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Speaker 4: What about you? Beck to you in ye.

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Speaker 2: It's okay.

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Speaker 4: I loved this one. This one's from Carli. She gave

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Speaker 4: us a five star review and it said changed the

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Speaker 4: game so cute. Felt so behind in my money journey

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Speaker 4: before finding this podcast. The girls are the best money cheerleaders.

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Speaker 4: Jess and Beck make me feel not so alone when

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Speaker 4: it comes to finance. That's so cute.

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Speaker 2: That's really sweet.

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Speaker 4: That's like that I get to read it out and

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Speaker 4: then you guys get the compliments.

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Speaker 2: I'm not gonna lie.

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Speaker 4: I love it when someone says my name about it.

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Speaker 4: It's so cute. Cheerleaders, that's so fun. That's set, which

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Speaker 4: is my favorite thing ever, But let's get into it.

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Speaker 4: Miss Jessicrici last one before Christmas comes. What money, wins

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Speaker 4: and confessions have you got from the group? Well rity

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Speaker 4: this week?

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Speaker 6: I mean I start off with one from Allison, who

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Speaker 6: said she bought a tool from Buddings last week. It

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Speaker 6: was a Christmas present. Five days later it went on

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Speaker 6: a deal where you got a free battery and charger

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Speaker 6: with the purchase of the tool. The battery and the

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Speaker 6: charger are worth four hundred bucks. What she's like, Normally

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Speaker 6: I'd take the hit, but four hundred dollars of value

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Speaker 6: is too much to.

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Speaker 4: And also that like bumps up the present makes it

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Speaker 4: really good.

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Speaker 6: She caught up Buddings and they were happy to let

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Speaker 6: her just return it and rebuy it so she could

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Speaker 6: get the thing that she wanted.

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Speaker 4: She said, a huge win for me and my gift recipient.

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Speaker 4: And never be afraid to ask your kind retail peeps.

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Speaker 4: That's so great. Be kind to the retail peeps. Is

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Speaker 4: someone who has done Christmases? Be nice? Why are people

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Speaker 4: so rude?

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Speaker 2: I know it's so weird, Okay, what are you angry

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Speaker 2: with them for?

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Speaker 4: Also, it says so much more about you than it

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Speaker 4: does the staff member, even if that staff member is

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Speaker 4: completely incompetent. I get it. But if you then treat

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Speaker 4: someone like trash babe, that's on you. I don't care

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Speaker 4: what they did. If you can't keep your call, if

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Speaker 4: you can't get your stuff together, looks like you need

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Speaker 4: some therapy. That's true. Absolutely.

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Speaker 6: Next, I've got a money in from Elisa who said

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Speaker 6: she found a handbag with all of the stuff in

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Speaker 6: it in a shopping center car park. Both the center

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Speaker 6: management and the police station were closed, so she took

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Speaker 6: it home and waited for the phone, which was inside,

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Speaker 6: to ring. Two hours later, a call came through from

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Speaker 6: this handbag. It was someone's son. He picked up the

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Speaker 6: bag and its contents, and he gave her a hundred

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Speaker 6: dollars for I thought it was really sweet, and as

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Speaker 6: someone who has left there purse somewhere before, like.

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Speaker 4: Brook did that literally a couple of weeks ago from

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Speaker 4: our team, she left her whole handbag on the floor

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Speaker 4: at a restaurant. She went back and she was like, oh,

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Speaker 4: it was fine. I'm like, how are you so chill

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Speaker 4: about this? Like I'd be losing my mind. I fee

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Speaker 4: good wholesome people. I was at office works the other

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Speaker 4: day actually, and I found a phone just like I

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Speaker 4: was like perusing the aisles and there was just an

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Speaker 4: iPhone sitting there. And it's that awkward. Okay, I can

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Speaker 4: see an iPhone. I can see it somebody's it's got

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Speaker 4: like a cover on it. If I pick this up

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Speaker 4: and I walk it to like the front, is the

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Speaker 4: owner of it going to see me with it and

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Speaker 4: think I'm stealing it?

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Speaker 1: I know.

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Speaker 2: I get so scared of that too, and like.

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Speaker 4: I'm trying to do the right thing here, Like I'm

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Speaker 4: not going to steal someone's iPhone. I've just found it

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Speaker 4: on a shelf, but I also know I'm not going

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Speaker 4: to leave it on the shelf because not everyone is honest.

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Speaker 4: So I'm like, I'm going to take this to the front.

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Speaker 4: So I do. I don't know if other people do this,

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Speaker 4: but I do this awkward like swipe no, no, no,

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Speaker 4: I like, pick it up, but hold it. I'm not

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Speaker 4: trying to I'm not trying to put this in my

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Speaker 4: pocket or hide this from you. Ha ha ha ha

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Speaker 4: like and said, oh, that's mine. I did it the

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Speaker 4: other day at the swimming pool. I was at the

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Speaker 4: pool and I just come out of the family changing

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Speaker 4: area and someone had left their sunglasses in there and

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Speaker 4: I saw them and picked them up and was like,

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Speaker 4: when you see a pair of sunglasses that are prescription sunglasses,

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Speaker 4: you can immediately tell that their prescription. And I was like, ooh,

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Speaker 4: someone's going to be mad. So I picked them up

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Speaker 4: and like, I'm holding towels under my arm and like

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Speaker 4: we carry a basket and I'm holding the sunglasses and

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Speaker 4: this woman comes around the corn she goes, they're mine,

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Speaker 4: and I was like, oh, yeah, I just found that.

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Speaker 4: And I felt like I was like I've been called

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Speaker 4: out or something, but in reality, I'd pulled them out

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Speaker 4: to bring them to reception as I was leaving, like

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Speaker 4: I don't want you prescription sunglasses, so like make this

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Speaker 4: awkward small chat and I'm like, oh, yeah, I noticed

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Speaker 4: that they were prescription ha ha ha. Like I was

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Speaker 4: gonna hand them in they would have been expensive, and

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Speaker 4: she's like looks at me. She's like, yeah, they were expensive,

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Speaker 4: And I'm thinking, do you think I'm stealing these?

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Speaker 2: What are you going to do with prescription?

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Speaker 4: We were also like I wouldn't steal these totally. Oh anyway,

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Speaker 4: that just gave me a lot of anxiety. So then

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Speaker 4: when I found the phone, I'm like, here we go again.

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Speaker 6: Over handing it in. It's the right thing to do.

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Speaker 6: We those of us who leave things places, appreciate all your.

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Speaker 4: Good things happened to good people. As from our team says,

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Speaker 4: I used that on an Instagram post the other day.

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Speaker 4: She's like, you copied me because it's in her Instagram bio.

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Speaker 4: But good things do happen to good people. They do,

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Speaker 4: absolutely do. Go bigger a men.

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Speaker 6: Next, what am I win from Holly who said it's

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Speaker 6: a non money money win for me. I love this

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Speaker 6: since I'm now on top of my phone finanswers her

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Speaker 6: brother who used to be the money we was in

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Speaker 6: the family and Holly was the money mess and his

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Speaker 6: girlfriend asked her to create a budget for them. So

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Speaker 6: she created a whole spreadsheet and you know that with

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Speaker 6: the cash flow system. And she said a year ago,

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Speaker 6: I just never would have been able to do that.

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Speaker 2: That's really good.

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Speaker 4: It's so cool to be able to do it for

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Speaker 4: someone else, be for real.

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Speaker 6: Spreading the good word, the disciples, reging, spreading the shees

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Speaker 6: on the buddy words.

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Speaker 4: I heard that colts worked really well for multi level

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Speaker 4: marketing business, and I thought, why reinvent the wheel? We

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Speaker 4: too could have a cult, but we were not very

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Speaker 4: good at it. So we're actually just like telling people

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Speaker 4: that they can do whatever they want with their financial freedom.

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Speaker 4: We really need to create a product to keep them

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Speaker 4: in the cult. Yes, he used to shot that one. Yeah.

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Speaker 6: Next, I've got a money in from Emma, who said

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Speaker 6: it's her first time sharing a money in. She bought

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Speaker 6: a walking pad treadmill for her work from home at

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Speaker 6: desk and it was one hundred and twenty dollars on Facebook.

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Speaker 6: Marketplace in retails for two hundred and thirty. It was

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Speaker 6: also her first time using Marketplace, and she said she's

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Speaker 6: officially converted and bonus points it's pink and cute.

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Speaker 4: Oh how good that is cute? And mine's dying. So

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Speaker 4: I'm gonna look at the same money. It's not going

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Speaker 4: to cost you one hundred and twenty dollars. That looks

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Speaker 4: spinner does.

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Speaker 6: The next time, money went Alexandra, who said money win.

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Speaker 6: The theme for my works Christmas party last week was errors,

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Speaker 6: So obviously I went in my money making error dressed

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Speaker 6: as a dollar bill.

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00:17:30,520 --> 00:17:33,440
Speaker 4: You thought I was going she dresses and actually quite

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Speaker 4: disappointed with this, which era would you have gone as?

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Speaker 4: What would I have gone?

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Speaker 1: As?

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Speaker 2: I keep hearing error like the error.

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Speaker 4: Sorry, yeah, Jessica, I'm thinking like you know, like era error.

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Speaker 4: Oh yeah, you're not going to make that.

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Speaker 6: Well, Alexander went in her money making error. She dresses

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Speaker 6: a million dollar bill because girl is trying to manifest

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Speaker 6: and low and behold.

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Speaker 4: She won best Oh my god, gating rights.

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Speaker 6: She won a certificate with a little fifty dollars voucher

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00:18:05,560 --> 00:18:07,880
Speaker 6: and she said her money making costume really did make

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Speaker 6: her money.

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Speaker 4: That's actually so good.

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00:18:10,320 --> 00:18:12,240
Speaker 6: Peak of the winning costume, of course, she said, it's

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00:18:12,240 --> 00:18:13,800
Speaker 6: bleary as hell, but this was when I was strutting

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Speaker 6: my stuff on stage.

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Speaker 4: Look at her. What a queen. Okay, I would have

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Speaker 4: You got to go find the fam absolute, absolutely win.

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Speaker 4: My husband actually went to his work Christmas party last no,

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Speaker 4: not last week, a couple of weeks ago. Oh yeah,

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00:18:27,480 --> 00:18:30,520
Speaker 4: and he did you see this on social medias so funny?

401
00:18:30,840 --> 00:18:33,479
Speaker 4: The theme was legends. Yeah, so that was it, so

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00:18:33,520 --> 00:18:35,520
Speaker 4: you could go as any legend you wanted to. And

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00:18:35,600 --> 00:18:40,720
Speaker 4: my husband, obviously wig and all, dressed up as Raygun. Honestly,

404
00:18:41,720 --> 00:18:44,520
Speaker 4: the night before his Christmas party, we were on YouTube.

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Speaker 4: He was practicing the dance moves.

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Speaker 2: I love that, and.

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Speaker 4: He looked greatly. The wig looked very real, Thank you.

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00:18:52,080 --> 00:18:55,160
Speaker 4: It was twelve dollars on Amazon. You great. He didn't

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Speaker 4: come home with it, though. Someone went home with a

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00:18:57,480 --> 00:19:01,440
Speaker 4: little ponytail wig. Someone. Do you want Lucky keep it? Yeah?

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00:19:01,480 --> 00:19:03,440
Speaker 4: You don't want that one hanging around to you? No?

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00:19:03,520 --> 00:19:04,199
Speaker 4: Absolutely not.

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Speaker 6: Lastly, this week, I've got a money win from Caitlin,

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Speaker 6: who said she purchased a one past subscription on Black Friday.

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Speaker 4: Or don't even I did too well. I read this

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00:19:12,400 --> 00:19:14,200
Speaker 4: one because I sent it to you.

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00:19:14,359 --> 00:19:14,960
Speaker 1: Yeah, and you.

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00:19:14,880 --> 00:19:17,520
Speaker 4: Said you got to do this. So sorry to Sideline there.

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00:19:17,640 --> 00:19:20,760
Speaker 4: So we clearly talk about money wins on the podcast. Yes,

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00:19:20,760 --> 00:19:24,840
Speaker 4: we also just text each other all week about money wins. Yes,

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00:19:24,880 --> 00:19:26,679
Speaker 4: like our text, I'm like, oh my god, did you

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00:19:26,760 --> 00:19:29,120
Speaker 4: see so, Jess. I'm not gonna spoil it, but did

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00:19:29,119 --> 00:19:30,959
Speaker 4: you see the one past one? Did you see what

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00:19:31,040 --> 00:19:31,520
Speaker 4: you can get?

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00:19:31,640 --> 00:19:31,840
Speaker 6: Oh?

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00:19:32,080 --> 00:19:32,720
Speaker 2: So's one.

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00:19:33,040 --> 00:19:33,680
Speaker 4: I'll explain.

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00:19:33,840 --> 00:19:34,479
Speaker 2: Sure, we'll get there.

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00:19:34,480 --> 00:19:35,919
Speaker 6: Oh, let me read Kaitlyn's first and the we'll come

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00:19:35,920 --> 00:19:37,760
Speaker 6: back around. So Caitlyn said she purchased the one past

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Speaker 6: subscription on Black Friday. Which means it was fifty percent

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00:19:40,520 --> 00:19:43,840
Speaker 6: off half price. She's used it twice since she purchased

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Speaker 6: it with two discounts, she said, so her Christmas shopping

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00:19:46,640 --> 00:19:48,880
Speaker 6: is officially done, parcels are on the way, and she's

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00:19:48,920 --> 00:19:50,400
Speaker 6: already saved ten bucks using the.

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00:19:50,320 --> 00:19:52,320
Speaker 4: One Pass in those two times. So good. And I

437
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Speaker 4: think the annual membership was like a forty dollars. Yeah,

438
00:19:55,960 --> 00:19:57,600
Speaker 4: so it's forty dollars on sale, but it was like

439
00:19:57,640 --> 00:20:00,800
Speaker 4: eighty dollars full price to like join one right, So

440
00:20:00,920 --> 00:20:03,080
Speaker 4: one Pass this is not sponsored by the way, but

441
00:20:03,119 --> 00:20:06,320
Speaker 4: I'm about to talk about it like it's an ad.

442
00:20:06,359 --> 00:20:08,439
Speaker 4: I know someone at one Pass. I am here to

443
00:20:08,600 --> 00:20:11,040
Speaker 4: sell this to you, right, Like I think it's great.

444
00:20:11,600 --> 00:20:14,639
Speaker 4: So one Pass is like the rewards platform that the

445
00:20:14,760 --> 00:20:19,960
Speaker 4: people who own Kmart and Bunnings and office works and

446
00:20:20,160 --> 00:20:23,360
Speaker 4: like a whole heap of other businesses own. So it's

447
00:20:23,359 --> 00:20:26,600
Speaker 4: owned by West Farmers, right, So they've created this rewards

448
00:20:26,600 --> 00:20:28,920
Speaker 4: platform and they obviously want heaps of people to join,

449
00:20:29,280 --> 00:20:33,760
Speaker 4: So it's in collaboration with Flybys who are in I

450
00:20:33,800 --> 00:20:37,199
Speaker 4: want to say cohoots with West Farmers. So like it's like, oh,

451
00:20:37,520 --> 00:20:40,320
Speaker 4: that's why you can get Flybys points at literally all

452
00:20:40,359 --> 00:20:43,760
Speaker 4: of those stores, plus I believe coals, so that's a

453
00:20:43,800 --> 00:20:46,320
Speaker 4: money when to begin with. But when you sign up

454
00:20:46,359 --> 00:20:50,200
Speaker 4: to one Pass, you get free shipping on like your

455
00:20:50,320 --> 00:20:53,200
Speaker 4: Camart purchases. There's like a minimum price threshold, but it's

456
00:20:53,200 --> 00:20:54,960
Speaker 4: not much, so you get free shipping on your like

457
00:20:55,040 --> 00:20:59,640
Speaker 4: Camart target, I believe price line all of these purchases, right,

458
00:20:59,640 --> 00:21:01,960
Speaker 4: which is money win. And I've already made my money

459
00:21:02,000 --> 00:21:04,680
Speaker 4: back from online purchases because like how many times do

460
00:21:04,680 --> 00:21:07,280
Speaker 4: you want to order something on Kmart? But like I'm

461
00:21:07,320 --> 00:21:09,679
Speaker 4: not paying ten dollars for ship and land Camart when

462
00:21:09,720 --> 00:21:13,520
Speaker 4: the item was ten dollars, like that not happening free.

463
00:21:13,800 --> 00:21:16,800
Speaker 4: And my favorite part because I have decided that I

464
00:21:16,840 --> 00:21:18,840
Speaker 4: am now in my points hacking era. If I went

465
00:21:18,880 --> 00:21:21,000
Speaker 4: to that costume party, just I would have gone as

466
00:21:21,040 --> 00:21:25,000
Speaker 4: a Flybys card. But you get five times points whenever

467
00:21:25,040 --> 00:21:27,520
Speaker 4: you're signed into one Pass, so instead of just getting

468
00:21:27,560 --> 00:21:29,440
Speaker 4: one point five.

469
00:21:30,320 --> 00:21:33,560
Speaker 5: Ah and then those points eventually yeah, like you can

470
00:21:34,480 --> 00:21:34,960
Speaker 5: the money.

471
00:21:34,840 --> 00:21:36,720
Speaker 4: Off or use them in the rewards store, So like

472
00:21:36,760 --> 00:21:39,320
Speaker 4: that's where I got my kit. Such a good deal

473
00:21:39,400 --> 00:21:42,920
Speaker 4: and like five times points it makes no business sense,

474
00:21:43,000 --> 00:21:45,199
Speaker 4: like in my head, like they're losing money on this,

475
00:21:45,359 --> 00:21:47,880
Speaker 4: but it's not even like a promo when you join.

476
00:21:47,960 --> 00:21:50,240
Speaker 4: It's just like if you're a one past member. That's

477
00:21:50,280 --> 00:21:53,120
Speaker 4: that's the bonus you get it. It just happens every time.

478
00:21:53,240 --> 00:21:54,040
Speaker 2: Oh my god.

479
00:21:54,600 --> 00:21:58,800
Speaker 4: Okay, anyway, one pass call me. I would love to

480
00:21:58,840 --> 00:22:00,960
Speaker 4: talk to you about working together in twenty twenty five.

481
00:22:01,080 --> 00:22:03,680
Speaker 4: That's my pitch. I could talk about it more, but

482
00:22:03,960 --> 00:22:07,359
Speaker 4: you haven't paid, so that seems fair. Yeah, it's the

483
00:22:07,480 --> 00:22:12,440
Speaker 4: sales still under Sorry, can't talk about it anymore, can't. Sorry?

484
00:22:13,320 --> 00:22:13,680
Speaker 2: The show?

485
00:22:13,800 --> 00:22:17,280
Speaker 4: Yeah, call me Jess? Is that all it?

486
00:22:17,400 --> 00:22:18,760
Speaker 2: Surance? I love that?

487
00:22:19,240 --> 00:22:19,600
Speaker 6: All right?

488
00:22:19,720 --> 00:22:21,800
Speaker 4: Beck, what have you got to bring to the table?

489
00:22:21,840 --> 00:22:23,160
Speaker 4: Any festive broke tip?

490
00:22:23,480 --> 00:22:26,040
Speaker 5: I do have some festive broke tips, so I'd like

491
00:22:26,080 --> 00:22:28,160
Speaker 5: to say that all of these are festive. So first

492
00:22:28,160 --> 00:22:30,840
Speaker 5: I'm gonna go with one from Beck great name, who

493
00:22:30,840 --> 00:22:33,679
Speaker 5: says this will be applicable for any parents who have

494
00:22:33,920 --> 00:22:36,960
Speaker 5: heaps of toys for their kids, likely gifted by other

495
00:22:37,000 --> 00:22:39,119
Speaker 5: people or just ones you have lying around the house.

496
00:22:39,440 --> 00:22:41,600
Speaker 5: So when kids are young, they tend to gravitate towards

497
00:22:41,600 --> 00:22:43,680
Speaker 5: the same toys, and all of the toys get forgotten about.

498
00:22:43,880 --> 00:22:45,920
Speaker 5: My sister in law took the toys they've never played

499
00:22:45,960 --> 00:22:49,000
Speaker 5: with girls two and five and re wrapped them for

500
00:22:49,040 --> 00:22:51,600
Speaker 5: their birthday and they don't remember because they're kids, and

501
00:22:51,640 --> 00:22:53,760
Speaker 5: they loved the toys, and now they're playing with it

502
00:22:53,800 --> 00:22:56,600
Speaker 5: because honestly, they have so many toys. I reduces waste

503
00:22:56,680 --> 00:22:58,320
Speaker 5: and money, and I think it's really cool. I think

504
00:22:58,320 --> 00:23:00,919
Speaker 5: it's a great idea if you do it for Christmases

505
00:23:00,920 --> 00:23:03,359
Speaker 5: for other kids, or if you Yeah, I feel like

506
00:23:03,400 --> 00:23:05,159
Speaker 5: if you've got if you've got kids yourself and you

507
00:23:05,200 --> 00:23:07,919
Speaker 5: have like and they're just not touching all these other toys,

508
00:23:07,920 --> 00:23:10,199
Speaker 5: they're not going to notice it. Lowkey genius, and then

509
00:23:10,240 --> 00:23:12,159
Speaker 5: you wrap them up, you give them to other kids

510
00:23:12,200 --> 00:23:13,919
Speaker 5: in the family or friends or whatever.

511
00:23:14,480 --> 00:23:15,440
Speaker 2: I just think it's a great idea.

512
00:23:15,600 --> 00:23:18,720
Speaker 4: One of great girlfriends for her kid's first birthday. You

513
00:23:18,760 --> 00:23:21,320
Speaker 4: know those ride on cars, got in one of those

514
00:23:21,600 --> 00:23:24,720
Speaker 4: cute It was so cute. It was this like fake

515
00:23:24,960 --> 00:23:29,359
Speaker 4: obviously I'm Mercedes g Wagon, so cute. He cried because

516
00:23:29,400 --> 00:23:31,440
Speaker 4: he was one. He thought it was really scary. He

517
00:23:31,480 --> 00:23:33,320
Speaker 4: didn't like it, so they put it back in the

518
00:23:33,359 --> 00:23:34,760
Speaker 4: box and gave it to him when he turned to

519
00:23:34,840 --> 00:23:38,240
Speaker 4: and he loved it. That's so jealous. I think that's

520
00:23:38,240 --> 00:23:40,960
Speaker 4: so smart. It's so literally so smart. They were like, oh,

521
00:23:41,000 --> 00:23:43,560
Speaker 4: we thought he'd really like it, but he didn't, so

522
00:23:43,960 --> 00:23:47,080
Speaker 4: we're just going to give it to him next year. Yeah, yeah, yeah, yeah, honey,

523
00:23:47,080 --> 00:23:47,720
Speaker 4: we're really.

524
00:23:47,560 --> 00:23:52,280
Speaker 5: Clever and it's reducing waste, yeah, which I really like that.

525
00:23:52,640 --> 00:23:54,920
Speaker 5: The next one comes from Emma, and it does lead

526
00:23:54,960 --> 00:23:57,120
Speaker 5: me into my own but you'll see why. So Emma

527
00:23:57,160 --> 00:23:59,120
Speaker 5: messaged me to say that she saw some cute little

528
00:23:59,160 --> 00:24:01,600
Speaker 5: houses that came up and didn't buy them at the time.

529
00:24:01,640 --> 00:24:03,920
Speaker 5: Then on the weekend realized she could make them from

530
00:24:04,000 --> 00:24:06,720
Speaker 5: polystyrene foam that had come with a package that she

531
00:24:06,760 --> 00:24:09,760
Speaker 5: had bought just like random other package. So she'd used that.

532
00:24:10,160 --> 00:24:12,560
Speaker 5: She'd used the blocks and corners and glued them together

533
00:24:12,600 --> 00:24:15,160
Speaker 5: with the hot glue gun, and then for the real

534
00:24:15,160 --> 00:24:17,640
Speaker 5: broke tip, she got some mist tint paint from Bunnings

535
00:24:17,640 --> 00:24:20,040
Speaker 5: four dolls for a sample, pot got some baking powder

536
00:24:20,240 --> 00:24:22,960
Speaker 5: different to buy carb about three dollars from Coals, added

537
00:24:22,960 --> 00:24:25,240
Speaker 5: some of the baking powder to the paint, which is

538
00:24:25,280 --> 00:24:26,680
Speaker 5: which is like some chemical.

539
00:24:26,400 --> 00:24:30,760
Speaker 4: Reaction Starrett looks like render gray exactly exactly.

540
00:24:31,200 --> 00:24:34,440
Speaker 5: And so basically she made these like little houses and

541
00:24:34,680 --> 00:24:39,000
Speaker 5: they look ceramic. I think she was going for. She

542
00:24:39,000 --> 00:24:40,800
Speaker 5: did send us photos and she also sent us a

543
00:24:40,800 --> 00:24:45,960
Speaker 5: photo me wreath that she had made just literally from

544
00:24:46,000 --> 00:24:48,680
Speaker 5: going for a walk around the neighborhood.

545
00:24:49,600 --> 00:24:52,439
Speaker 4: So this is the wreath that's really cute. Do you

546
00:24:52,440 --> 00:24:53,639
Speaker 4: want me? Can I put this anywhere?

547
00:24:53,680 --> 00:24:53,840
Speaker 6: Can?

548
00:24:54,000 --> 00:24:55,560
Speaker 4: Yeah, We'll put it in the Facebook group.

549
00:24:55,800 --> 00:25:03,320
Speaker 5: And then the little houses are really very cute, so.

550
00:25:03,359 --> 00:25:05,040
Speaker 4: Fun little DIY project.

551
00:25:05,240 --> 00:25:09,120
Speaker 5: Absolutely, And why that leads me to my own broke

552
00:25:09,160 --> 00:25:14,560
Speaker 5: tip is it's very I feel like Christmas decorations. Of course,

553
00:25:14,560 --> 00:25:16,959
Speaker 5: gifts and stuff can be d I, but I'm speaking

554
00:25:17,000 --> 00:25:20,639
Speaker 5: decorations because I didn't realize how they just add up

555
00:25:20,640 --> 00:25:22,360
Speaker 5: because like you buy I don't know, like you buy

556
00:25:22,359 --> 00:25:25,280
Speaker 5: like a ten dollar like string of fairy lights here,

557
00:25:25,359 --> 00:25:27,400
Speaker 5: you buy like a four dollar pack of baballs here,

558
00:25:27,560 --> 00:25:30,639
Speaker 5: It's like it really starts adding up very quickly. Anyway,

559
00:25:30,760 --> 00:25:33,360
Speaker 5: I'm going to be doing a craft to night with

560
00:25:33,720 --> 00:25:36,080
Speaker 5: my partner and her sister and we're going to just

561
00:25:36,080 --> 00:25:39,600
Speaker 5: be like making ball balls from scratch like that.

562
00:25:39,840 --> 00:25:40,000
Speaker 1: Pa.

563
00:25:40,680 --> 00:25:42,400
Speaker 5: I did make one yesterday that was like a love

564
00:25:42,440 --> 00:25:44,040
Speaker 5: heart with like you know, when you like put little

565
00:25:44,320 --> 00:25:47,440
Speaker 5: papers to make it look three d oh. Yeah, yeah, yeah,

566
00:25:47,960 --> 00:25:50,240
Speaker 5: just one of those little ballball just get like string.

567
00:25:50,280 --> 00:25:52,400
Speaker 2: I don't know how much string is, like five cents,

568
00:25:52,560 --> 00:25:53,720
Speaker 2: I don't know, I don't think.

569
00:25:53,600 --> 00:25:56,720
Speaker 4: I don't know. Just always it's anything this well, still

570
00:25:56,760 --> 00:25:58,640
Speaker 4: five cents, I don't think. So what do we use

571
00:25:58,680 --> 00:25:59,240
Speaker 4: five cents?

572
00:25:59,320 --> 00:26:00,600
Speaker 2: Is for good question?

573
00:26:00,680 --> 00:26:02,600
Speaker 4: Don't even buy lollies at the shop anymore.

574
00:26:02,840 --> 00:26:05,120
Speaker 2: I know it's discussing what is this?

575
00:26:05,240 --> 00:26:07,680
Speaker 4: They just go into my money tin five cents.

576
00:26:07,680 --> 00:26:13,280
Speaker 5: Yes, one day they'll be thirty cents, yeah, one day.

577
00:26:12,359 --> 00:26:14,399
Speaker 4: But it will never happen. I'm sorry, I don't know.

578
00:26:15,000 --> 00:26:17,440
Speaker 4: I don't have time to explain the concept of inflation.

579
00:26:17,520 --> 00:26:18,960
Speaker 4: But that won't happen. Sorry, bye.

580
00:26:20,359 --> 00:26:22,600
Speaker 2: But anyway, even tinsel, you know, you get like long,

581
00:26:22,640 --> 00:26:23,359
Speaker 2: you just like cut it off.

582
00:26:23,560 --> 00:26:25,359
Speaker 4: It's as unnecessarily expensive.

583
00:26:25,440 --> 00:26:26,880
Speaker 2: It is why it got to be so expensive.

584
00:26:27,400 --> 00:26:30,879
Speaker 4: You could make pomp pom ones. Yeah, yes, so cute.

585
00:26:31,520 --> 00:26:33,639
Speaker 5: Arguably, like you know those little like straw cleaners that

586
00:26:33,760 --> 00:26:37,040
Speaker 5: they call pipe cleaner. Sorry, make a star out of that.

587
00:26:37,200 --> 00:26:39,280
Speaker 5: I think the entire tree. And also we're not looking

588
00:26:39,280 --> 00:26:41,399
Speaker 5: at it up close. We're just seeing the vibe of

589
00:26:41,400 --> 00:26:42,400
Speaker 5: the tree most of the time.

590
00:26:42,640 --> 00:26:44,679
Speaker 4: Sorry, the vibe of the tree is high because everything

591
00:26:44,680 --> 00:26:46,159
Speaker 4: on it was handmade.

592
00:26:45,760 --> 00:26:49,240
Speaker 5: Handmadely, I give you a couple more, please, please please.

593
00:26:49,280 --> 00:26:53,399
Speaker 6: Paper chains are really cute. You cut them into like

594
00:26:53,520 --> 00:26:55,520
Speaker 6: the long and you loop them together. Could you do

595
00:26:55,600 --> 00:26:58,080
Speaker 6: any color and paper? Also, if you want to make

596
00:26:58,119 --> 00:27:01,000
Speaker 6: your own little ornaments, it's really good. You just do

597
00:27:01,240 --> 00:27:03,280
Speaker 6: look it up on the internet. But like flour, water, salt,

598
00:27:03,320 --> 00:27:06,200
Speaker 6: like a basic kind of plato air, dry clay texture,

599
00:27:06,720 --> 00:27:09,119
Speaker 6: roll it out cookie cutters and then you can.

600
00:27:09,000 --> 00:27:10,040
Speaker 4: Paint them or you can leave.

601
00:27:10,119 --> 00:27:11,000
Speaker 2: That's cute.

602
00:27:11,520 --> 00:27:16,160
Speaker 4: Also very cute because you would do like poor Prince

603
00:27:16,400 --> 00:27:18,800
Speaker 4: in love hearts. Yes, so really good.

604
00:27:18,880 --> 00:27:19,080
Speaker 3: Yes.

605
00:27:19,119 --> 00:27:20,399
Speaker 5: And if you have kids, I feel like it's a

606
00:27:20,400 --> 00:27:22,879
Speaker 5: fantastic way to get them to because I remember when

607
00:27:22,880 --> 00:27:25,080
Speaker 5: I was a kid. It's exciting when the Christmas treat

608
00:27:25,119 --> 00:27:29,360
Speaker 5: but it's also like after like an hour of meticulously

609
00:27:29,840 --> 00:27:31,560
Speaker 5: it's just like it can be boring.

610
00:27:31,560 --> 00:27:33,399
Speaker 2: So it's exciting. If you tell the kids we're going

611
00:27:33,480 --> 00:27:34,440
Speaker 2: to make them, then I don't know.

612
00:27:34,480 --> 00:27:36,919
Speaker 4: It's just my sister it does that and gets the

613
00:27:37,000 --> 00:27:39,000
Speaker 4: kids to do the wrapping paper. So she buys big

614
00:27:39,119 --> 00:27:41,760
Speaker 4: rolls of Butcher's paper and then the kids decorated or

615
00:27:41,800 --> 00:27:44,000
Speaker 4: like walk across it with their feet and paint and

616
00:27:44,080 --> 00:27:47,800
Speaker 4: like it's very exciting. It's really sweet. I love that anyway,

617
00:27:47,880 --> 00:27:51,399
Speaker 4: That's it for me, deary decoration. It's full of are

618
00:27:51,480 --> 00:27:54,760
Speaker 4: you feeling? Like everywhere on socials and even in my

619
00:27:54,800 --> 00:27:57,959
Speaker 4: friendship groups, I feel like everybody's reverting to more of

620
00:27:58,000 --> 00:28:01,400
Speaker 4: a traditional Christmases than it, Like we're not going for

621
00:28:01,480 --> 00:28:05,080
Speaker 4: the big shiny tree anymore. We're going for like the thoughtful,

622
00:28:05,160 --> 00:28:06,000
Speaker 4: handmade tree.

623
00:28:06,160 --> 00:28:07,520
Speaker 2: Yes, is that?

624
00:28:07,760 --> 00:28:10,359
Speaker 4: Am I? I feel like I'm the only one really

625
00:28:10,400 --> 00:28:13,720
Speaker 4: noticing this, And maybe it's because, like I'm very into economics,

626
00:28:13,760 --> 00:28:17,480
Speaker 4: but this is maybe overlay sidestep. Did you know that

627
00:28:17,600 --> 00:28:21,240
Speaker 4: during times of economic uncertainty this is just me being

628
00:28:21,280 --> 00:28:23,800
Speaker 4: a little bit of nerd, people will revert back to

629
00:28:23,880 --> 00:28:26,320
Speaker 4: traditional ways of doing things because it feels stable.

630
00:28:26,560 --> 00:28:29,000
Speaker 6: Yeah, it's so really interesting TikTok about the rise of

631
00:28:29,000 --> 00:28:31,119
Speaker 6: the tradwife and like the narrowsmith of it all and

632
00:28:31,119 --> 00:28:33,399
Speaker 6: how that was potentially tied back to it, which is

633
00:28:33,440 --> 00:28:34,120
Speaker 6: so interesting.

634
00:28:34,280 --> 00:28:36,199
Speaker 4: Yeah, like we're all just looking for a little bit

635
00:28:36,200 --> 00:28:38,720
Speaker 4: of stability, yeah, when we want something a little bit

636
00:28:38,760 --> 00:28:41,720
Speaker 4: more wholesome, a little bit more stable. And I was like, oh, okay,

637
00:28:41,800 --> 00:28:44,920
Speaker 4: I feel cold out because I literally was like, Oh,

638
00:28:45,000 --> 00:28:47,560
Speaker 4: I love my tree, but is it meaningful enough? Should

639
00:28:47,560 --> 00:28:50,520
Speaker 4: we be doing more like homemade, handmade stuff on here?

640
00:28:51,160 --> 00:28:54,280
Speaker 4: But anyway, that's means someone too, It's meaningful. Thank you,

641
00:28:54,600 --> 00:28:56,680
Speaker 4: Thank you. Let's go to a really quick break because

642
00:28:56,720 --> 00:28:58,479
Speaker 4: I want to get into the flip side of this

643
00:28:58,560 --> 00:29:01,320
Speaker 4: episode really quickly, because we're going to be talking about

644
00:29:01,440 --> 00:29:03,520
Speaker 4: what do you do if your friend questions the ethics

645
00:29:03,560 --> 00:29:05,880
Speaker 4: of your investments? Imagine if you just said the pub

646
00:29:05,920 --> 00:29:08,440
Speaker 4: beck having your nice soda water and someone's like, I'm

647
00:29:08,880 --> 00:29:14,719
Speaker 4: your investment's ethical awkward? But how do you have that conversation?

648
00:29:14,960 --> 00:29:17,200
Speaker 4: And you slid into our dms? This week we're going

649
00:29:17,240 --> 00:29:19,640
Speaker 4: to be talking about our Christmas bonus. Is the festive

650
00:29:19,680 --> 00:29:24,160
Speaker 4: norm or are they just wishful thinking? So don't go anywhere.

651
00:29:28,080 --> 00:29:30,720
Speaker 4: Welcome back everyone. Let's take a listen to this week's

652
00:29:30,920 --> 00:29:36,480
Speaker 4: money dilemma. Hi, there, have you got a money dilemma

653
00:29:36,520 --> 00:29:38,960
Speaker 4: you just can't solve that. She's on the Money Team

654
00:29:39,120 --> 00:29:42,160
Speaker 4: is here to help. Every week we tackle your dilemmas,

655
00:29:42,200 --> 00:29:44,960
Speaker 4: both big and small, to answer your most burning money,

656
00:29:45,000 --> 00:29:48,080
Speaker 4: career and life questions. To get involved, simply head to

657
00:29:48,120 --> 00:29:50,480
Speaker 4: our website and leave us a short voice recording, and

658
00:29:50,520 --> 00:29:53,200
Speaker 4: you might just find yourself on the show. Now, let's

659
00:29:53,240 --> 00:29:56,840
Speaker 4: take a listen to this week's money dilemma.

660
00:29:57,280 --> 00:29:59,440
Speaker 7: Hi, she's on the money team. I've been on my

661
00:29:59,480 --> 00:30:02,040
Speaker 7: investing gen for a while now. I dove in head

662
00:30:02,040 --> 00:30:04,720
Speaker 7: first before I even knew an ETF was, and bought

663
00:30:04,760 --> 00:30:07,640
Speaker 7: shares in a few different things, including a mining company

664
00:30:07,800 --> 00:30:10,400
Speaker 7: and some banks because I saw them as safe bets.

665
00:30:11,280 --> 00:30:14,520
Speaker 7: I'm now a bit wiser and transitioning to ETFs, but

666
00:30:14,600 --> 00:30:18,040
Speaker 7: I'm also considering purchasing an investment property in the near future.

667
00:30:18,360 --> 00:30:20,400
Speaker 7: When I try to talk about investing with my friends,

668
00:30:20,800 --> 00:30:22,760
Speaker 7: they look at me as though I'm a horrible person.

669
00:30:23,120 --> 00:30:26,080
Speaker 7: They think it's unethical to be investing this way, especially

670
00:30:26,120 --> 00:30:29,320
Speaker 7: regarding an investment property, and while I understand where they're

671
00:30:29,320 --> 00:30:32,959
Speaker 7: coming from, I personally disagree. I've worked insanely hard and

672
00:30:33,000 --> 00:30:35,480
Speaker 7: made a lot of sacrifices to get where I am financially.

673
00:30:35,960 --> 00:30:38,960
Speaker 7: But am I wrong for my investment choices? Do you

674
00:30:39,000 --> 00:30:42,080
Speaker 7: have any advice for discussing investments with people who give

675
00:30:42,120 --> 00:30:44,120
Speaker 7: you a hard time because they don't agree with your

676
00:30:44,200 --> 00:30:45,600
Speaker 7: level of ethical tolerance?

677
00:30:46,640 --> 00:30:50,200
Speaker 4: It's an awkward one. I talk about this all the

678
00:30:50,200 --> 00:30:53,040
Speaker 4: time on the podcast, because I get messages and people

679
00:30:53,080 --> 00:30:57,280
Speaker 4: going the what's a good ethical investment? And ethical to

680
00:30:57,400 --> 00:31:00,280
Speaker 4: you back might be very different to what ethical to

681
00:31:00,400 --> 00:31:04,800
Speaker 4: Jess is And unfortunately in Australia, it's not like organic.

682
00:31:04,960 --> 00:31:06,880
Speaker 4: And I've said this before, but like you can go

683
00:31:06,920 --> 00:31:08,760
Speaker 4: to the shops right beck, and you can go to

684
00:31:08,800 --> 00:31:10,800
Speaker 4: the organic section if you really want to spend an

685
00:31:10,840 --> 00:31:12,240
Speaker 4: arm and a leg. So you're going to go to

686
00:31:12,320 --> 00:31:15,640
Speaker 4: the organic section and you'll see that things are certified organic,

687
00:31:16,000 --> 00:31:19,560
Speaker 4: which means they had to go through this rigorous testing

688
00:31:19,640 --> 00:31:22,240
Speaker 4: process of like do they do this, this, this and this,

689
00:31:22,280 --> 00:31:24,320
Speaker 4: and then if they pass all those tests, they get

690
00:31:24,360 --> 00:31:25,760
Speaker 4: a big tick and they get to put the sticker

691
00:31:25,800 --> 00:31:28,520
Speaker 4: of I'm a certified organic product on there. Right, that

692
00:31:28,560 --> 00:31:31,440
Speaker 4: does not exist for ethical in Australia. Ethical is just

693
00:31:31,480 --> 00:31:34,800
Speaker 4: a word like I could call it ethical and you

694
00:31:34,880 --> 00:31:37,840
Speaker 4: go the it's a tobacco company and I go, yeah,

695
00:31:37,840 --> 00:31:40,000
Speaker 4: but like have you seen their pay structure? They really

696
00:31:40,040 --> 00:31:43,560
Speaker 4: look after their team, Like okay, that might be your

697
00:31:43,640 --> 00:31:47,920
Speaker 4: level of ethical. So it's an interesting conversation to have

698
00:31:48,000 --> 00:31:51,440
Speaker 4: with people because what you accept is very different to

699
00:31:51,480 --> 00:31:54,000
Speaker 4: what I might accept, which is very different to what

700
00:31:54,160 --> 00:31:57,280
Speaker 4: you know, Jess might accept, and that's cool. That's why

701
00:31:57,320 --> 00:32:00,640
Speaker 4: we actually love having these conversations because we are so diverse.

702
00:32:00,720 --> 00:32:03,560
Speaker 4: But just what would you do if I turned around

703
00:32:03,560 --> 00:32:06,760
Speaker 4: and maybe not me, because I feel like, be like what,

704
00:32:08,200 --> 00:32:10,520
Speaker 4: sit down, shut up? Be What if you're at brunch

705
00:32:10,560 --> 00:32:12,280
Speaker 4: and one of your friends was like, oh, you want

706
00:32:12,280 --> 00:32:15,720
Speaker 4: to buy an investment property, Jess, Yeah, that's unethical.

707
00:32:16,000 --> 00:32:21,280
Speaker 6: I think investment properties specifically are very polarizing as an investment, Like,

708
00:32:21,320 --> 00:32:24,160
Speaker 6: I think it's less so I can see that, you know,

709
00:32:24,280 --> 00:32:27,400
Speaker 6: mining and things might also be somewhat controversial, but I

710
00:32:27,400 --> 00:32:30,280
Speaker 6: think all the things that our listener listed, the property,

711
00:32:30,360 --> 00:32:33,920
Speaker 6: the investment property is probably the most you know, talked

712
00:32:33,920 --> 00:32:36,360
Speaker 6: about one in the group because I think that people

713
00:32:36,440 --> 00:32:38,760
Speaker 6: are very divided on this. Like we've seen it in

714
00:32:38,800 --> 00:32:41,840
Speaker 6: our comments, We've seen it in other groups and other places.

715
00:32:41,920 --> 00:32:45,040
Speaker 6: People feel very strongly one way or the other, and

716
00:32:45,080 --> 00:32:48,120
Speaker 6: it really does come down to your personal compass. I think,

717
00:32:48,200 --> 00:32:51,960
Speaker 6: like my perspective on it is, I'm a renter. If

718
00:32:52,040 --> 00:32:55,480
Speaker 6: people didn't have investment properties to rent out, I would be.

719
00:32:55,440 --> 00:32:56,840
Speaker 4: Hopeless, do you know what I mean?

720
00:32:57,120 --> 00:33:00,320
Speaker 6: So on some level I think that it's ethical the

721
00:33:00,320 --> 00:33:02,480
Speaker 6: discussion that a lot of people have is around people

722
00:33:02,560 --> 00:33:06,720
Speaker 6: who have ten properties then you know, driving up housing prizes,

723
00:33:06,880 --> 00:33:08,920
Speaker 6: driving you know, people like you and mebeck out of

724
00:33:08,960 --> 00:33:11,600
Speaker 6: the property market because they've driven the prices up so

725
00:33:11,680 --> 00:33:14,080
Speaker 6: high we can't afford them because maybe they're using their equity.

726
00:33:13,880 --> 00:33:16,960
Speaker 4: Or blah blah blah. And I do kind of agree

727
00:33:16,960 --> 00:33:18,240
Speaker 4: with that side of the argument.

728
00:33:18,400 --> 00:33:20,760
Speaker 6: I think, God, I don't want to get too much

729
00:33:20,760 --> 00:33:22,160
Speaker 6: into the politics of it all, but I think there's

730
00:33:22,200 --> 00:33:25,880
Speaker 6: more regulation to be done, particularly around like overseas investment

731
00:33:26,040 --> 00:33:29,200
Speaker 6: and properties that don't have anybody living in them and

732
00:33:29,240 --> 00:33:31,080
Speaker 6: things like that. I think, like as a whole, we

733
00:33:31,160 --> 00:33:33,520
Speaker 6: need people to invest in property because tenants need to

734
00:33:33,560 --> 00:33:36,360
Speaker 6: be able to live somewhere, Like that's the case for me.

735
00:33:37,160 --> 00:33:40,400
Speaker 6: And I think it's hard because if someone does have

736
00:33:40,440 --> 00:33:43,080
Speaker 6: a portfolio of ten properties, at the same time, I

737
00:33:43,080 --> 00:33:46,640
Speaker 6: want to acknowledge that they've obviously hopefully worked really hard

738
00:33:46,640 --> 00:33:49,360
Speaker 6: to get them and like put themselves in what they

739
00:33:49,400 --> 00:33:51,920
Speaker 6: think is a good financial position. And I don't really

740
00:33:51,920 --> 00:33:54,600
Speaker 6: want to lack be like you're a bad person either,

741
00:33:54,720 --> 00:33:57,080
Speaker 6: because if that was me, I'm sure i'd feel a

742
00:33:57,080 --> 00:33:58,840
Speaker 6: lot of pride and enjoy in the fact that I'd

743
00:33:58,880 --> 00:34:02,480
Speaker 6: done that. Yeah, I think the ethical issue doesn't necessarily

744
00:34:02,760 --> 00:34:05,719
Speaker 6: the responsibility of it doesn't necessarily come down to the

745
00:34:05,800 --> 00:34:09,160
Speaker 6: individual investor. And maybe that's a naive opinion, but I think,

746
00:34:09,239 --> 00:34:11,680
Speaker 6: like my perspective on the ethics of it is it

747
00:34:11,719 --> 00:34:15,680
Speaker 6: needs to be more regulated from a government point of view.

748
00:34:15,960 --> 00:34:20,600
Speaker 4: Agreed. I think it is a very complex wabit of

749
00:34:20,880 --> 00:34:27,719
Speaker 4: ethical and economic circumstances that come together to have this conversation.

750
00:34:27,880 --> 00:34:31,040
Speaker 4: And maybe we've done an episode on this before and

751
00:34:31,080 --> 00:34:32,480
Speaker 4: we can link it in the show notes so that

752
00:34:32,560 --> 00:34:34,839
Speaker 4: you can deep dive into it more. But I think

753
00:34:34,880 --> 00:34:39,600
Speaker 4: it's actually a bigger, broader conversation. So there's obviously a

754
00:34:39,680 --> 00:34:42,799
Speaker 4: number of different arguments, and like I would hope that

755
00:34:43,080 --> 00:34:45,399
Speaker 4: as she's on the money, we talk about them pragmatically.

756
00:34:45,880 --> 00:34:49,600
Speaker 4: I am a property investor and I don't see that

757
00:34:49,680 --> 00:34:53,040
Speaker 4: as inethical or unethical for me to engage in. But

758
00:34:53,080 --> 00:34:55,360
Speaker 4: I also think it comes back to my own morals

759
00:34:55,400 --> 00:34:57,399
Speaker 4: and my own ethics and the way that I run

760
00:34:57,520 --> 00:34:58,000
Speaker 4: my life.

761
00:34:58,120 --> 00:34:58,319
Speaker 6: Right.

762
00:34:58,680 --> 00:35:01,120
Speaker 4: I think that there are a lot of people in

763
00:35:01,200 --> 00:35:03,440
Speaker 4: this world who are like me, But then there are

764
00:35:03,480 --> 00:35:06,200
Speaker 4: a lot of people who put the onus on the

765
00:35:06,320 --> 00:35:09,520
Speaker 4: tenant and that to me is not ethical. So, like,

766
00:35:09,680 --> 00:35:12,040
Speaker 4: if I'm going to lease out my property, I think

767
00:35:12,040 --> 00:35:13,759
Speaker 4: we need to go back to the basics of why

768
00:35:13,760 --> 00:35:16,040
Speaker 4: we're investing in the first place. Right, we're investing to

769
00:35:16,080 --> 00:35:19,439
Speaker 4: create wealth. But at the crux of it, we need

770
00:35:19,480 --> 00:35:22,000
Speaker 4: to remember that there is a risk and reward chart,

771
00:35:22,480 --> 00:35:26,799
Speaker 4: and to take risk to get reward, that risk has

772
00:35:26,840 --> 00:35:29,640
Speaker 4: to be acknowledged. And one of those risks of investing

773
00:35:29,640 --> 00:35:32,200
Speaker 4: in investment properties is that you're not just going to

774
00:35:32,200 --> 00:35:34,680
Speaker 4: be able to purchase an apartment off the plan and

775
00:35:34,760 --> 00:35:37,440
Speaker 4: lease it out and automatically get you know, a seven

776
00:35:37,480 --> 00:35:41,480
Speaker 4: percent yield on your rental return and it's all sunshine

777
00:35:41,520 --> 00:35:44,600
Speaker 4: and roses, and you paid your deposit, but don't worry,

778
00:35:44,680 --> 00:35:48,319
Speaker 4: all of your tenant's rent coming in is paying the mortgage. Like, yes,

779
00:35:48,680 --> 00:35:51,160
Speaker 4: that is a golden opportunity, and some people are in

780
00:35:51,200 --> 00:35:54,879
Speaker 4: that situation ethically. But then I also believe some people

781
00:35:54,880 --> 00:35:59,600
Speaker 4: are in that situation inethically or unethically because they're overcharging

782
00:35:59,600 --> 00:36:02,880
Speaker 4: their tents for what I believe is a basic human right. Yeah,

783
00:36:02,920 --> 00:36:05,640
Speaker 4: do I think if I own an inner city apartment

784
00:36:06,000 --> 00:36:08,280
Speaker 4: that I can charge a premium on that I don't

785
00:36:08,320 --> 00:36:10,840
Speaker 4: own one? But I do think that's the case because

786
00:36:11,160 --> 00:36:14,960
Speaker 4: to me, rent is also a lifestyle expense. So there

787
00:36:15,080 --> 00:36:17,879
Speaker 4: is the basic human need to have a roof over

788
00:36:17,960 --> 00:36:20,840
Speaker 4: my head for a reasonable amount of money, and I

789
00:36:20,880 --> 00:36:23,080
Speaker 4: think that's up to the government to legislate, and I

790
00:36:23,080 --> 00:36:24,719
Speaker 4: think it's up to the government to make sure that

791
00:36:24,760 --> 00:36:27,880
Speaker 4: we are able to access that and have not a

792
00:36:27,920 --> 00:36:31,520
Speaker 4: housing crisis, which we are currently in. But at the

793
00:36:31,560 --> 00:36:33,440
Speaker 4: same time, I think that if I'm going to buy

794
00:36:33,440 --> 00:36:36,200
Speaker 4: a property and it's a lifestyle property and it's not

795
00:36:36,360 --> 00:36:39,160
Speaker 4: going to help the cost of living crisis or people

796
00:36:39,200 --> 00:36:41,000
Speaker 4: in those situations, yeah, you can charge a premium for

797
00:36:41,040 --> 00:36:42,920
Speaker 4: your location or your view or whatever. Like you're not

798
00:36:42,960 --> 00:36:45,520
Speaker 4: taking the mickey, but you are taking the miky If

799
00:36:45,560 --> 00:36:49,160
Speaker 4: you are trying to increase your tenants rent because your

800
00:36:49,160 --> 00:36:54,240
Speaker 4: mortgage repayments increased, Yeah, that is not your tenants responsibility.

801
00:36:54,280 --> 00:36:57,520
Speaker 4: In fact, let's pretend you know nothing about their financial situation.

802
00:36:57,800 --> 00:37:00,480
Speaker 4: Potentially they chose to rent because they wanted this stability

803
00:37:00,560 --> 00:37:03,040
Speaker 4: of a consistent payment each month and they didn't want

804
00:37:03,040 --> 00:37:06,920
Speaker 4: that financial responsibility. If your mortgage repayments increase, that's a

805
00:37:06,960 --> 00:37:10,200
Speaker 4: you problem, not a tenant problem. And like I just

806
00:37:10,280 --> 00:37:12,799
Speaker 4: think that that's where things get a little bit inethical.

807
00:37:13,520 --> 00:37:16,360
Speaker 4: There's also the flip side argument where people think that

808
00:37:17,280 --> 00:37:20,280
Speaker 4: beck for example, you're not allowed to own multiple properties

809
00:37:20,320 --> 00:37:23,600
Speaker 4: until everyone in Australia owns one property so everyone can

810
00:37:23,640 --> 00:37:27,320
Speaker 4: be on the property ladder. And to that, I would say, no,

811
00:37:27,719 --> 00:37:31,560
Speaker 4: that's not how our economic situation works, right, Like we

812
00:37:31,640 --> 00:37:35,320
Speaker 4: don't actually live in a communist society. Things aren't pulled

813
00:37:35,360 --> 00:37:39,480
Speaker 4: together and then shared out equally in our society, Like

814
00:37:39,920 --> 00:37:41,960
Speaker 4: we are very lucky to live in Australia where we

815
00:37:42,040 --> 00:37:44,480
Speaker 4: have a really good social system. I'm not saying it

816
00:37:44,560 --> 00:37:46,520
Speaker 4: is perfect. I'm not saying that there aren't things that

817
00:37:46,600 --> 00:37:49,120
Speaker 4: need fixing. There absolutely are. But we live in a

818
00:37:49,160 --> 00:37:53,120
Speaker 4: society where people who can't get by are given resources

819
00:37:53,160 --> 00:37:56,160
Speaker 4: to get by, but people who go above and beyond

820
00:37:56,280 --> 00:38:00,200
Speaker 4: and try to make businesses and take big risks are

821
00:38:00,239 --> 00:38:03,640
Speaker 4: rewarded for that. And I don't think it is fair

822
00:38:03,680 --> 00:38:05,920
Speaker 4: to say that every single person should be able to

823
00:38:06,400 --> 00:38:09,640
Speaker 4: buy a property. Is it a situation where I think

824
00:38:09,680 --> 00:38:12,359
Speaker 4: everybody should be able to purchase a property? I want

825
00:38:12,400 --> 00:38:14,600
Speaker 4: to say yes because I would want that, but also

826
00:38:14,840 --> 00:38:18,840
Speaker 4: economically no, Like we are in a and this is

827
00:38:18,840 --> 00:38:21,160
Speaker 4: probably a much larger conversation, and I'm going to do

828
00:38:21,200 --> 00:38:23,640
Speaker 4: a whole podcast on this at some point soon. But

829
00:38:23,800 --> 00:38:26,480
Speaker 4: we are in a situation in Australia where our country

830
00:38:26,640 --> 00:38:30,960
Speaker 4: has only been colonized for two hundred issues, meaning that

831
00:38:31,080 --> 00:38:36,880
Speaker 4: property was so much more accessible historically. Owning property internationally

832
00:38:37,200 --> 00:38:40,360
Speaker 4: is not the norm. You look at places like Germany

833
00:38:40,600 --> 00:38:44,640
Speaker 4: and Sweden and nobody owns like I think it's like

834
00:38:44,719 --> 00:38:48,880
Speaker 4: only forty percent of their communities are homeowners because the

835
00:38:49,000 --> 00:38:52,280
Speaker 4: norm is to rent. And I actually think that instead

836
00:38:52,320 --> 00:38:55,120
Speaker 4: of trying to make property more accessible at this point,

837
00:38:55,160 --> 00:38:59,680
Speaker 4: because with inflation, with things increasing, with the cost of

838
00:38:59,719 --> 00:39:02,680
Speaker 4: living crisis that we're going through, I think the solution

839
00:39:02,800 --> 00:39:04,840
Speaker 4: and I'm not saying that is a perfect solution, but

840
00:39:04,960 --> 00:39:07,960
Speaker 4: one of the solutions is actually changing our rental laws

841
00:39:08,040 --> 00:39:12,120
Speaker 4: and changing tendency agreements. Like overseas, very normal to sign

842
00:39:12,160 --> 00:39:15,160
Speaker 4: a ten year lease agreement, very normal to sign a

843
00:39:15,200 --> 00:39:18,640
Speaker 4: ten year lease agreement with stepped increments over a period

844
00:39:18,680 --> 00:39:22,320
Speaker 4: of time, so normal to be given permission to repaint

845
00:39:22,400 --> 00:39:25,360
Speaker 4: the entire inside of a home, make changes, you know,

846
00:39:25,520 --> 00:39:27,759
Speaker 4: updated kitchen if you want to, as long as you're

847
00:39:27,800 --> 00:39:31,360
Speaker 4: adding value. I couldn't even in Australia when I rented

848
00:39:31,880 --> 00:39:34,400
Speaker 4: put a painting on a wall when I requested permission

849
00:39:34,400 --> 00:39:35,880
Speaker 4: because they didn't want me to ruin it, Like we

850
00:39:35,960 --> 00:39:40,200
Speaker 4: don't feel in Australia like rental properties are our own homes,

851
00:39:40,800 --> 00:39:44,640
Speaker 4: whereas internationally that's actually the norm. People will rent a

852
00:39:44,640 --> 00:39:47,279
Speaker 4: place and live there for thirty forty years, like that

853
00:39:47,480 --> 00:39:51,560
Speaker 4: is the norm. So I think there's a very big sorry,

854
00:39:51,600 --> 00:39:54,600
Speaker 4: that's like a complete sideline. I think there's a very

855
00:39:54,640 --> 00:39:57,719
Speaker 4: big conversation to be had here and it would be

856
00:39:57,760 --> 00:40:01,040
Speaker 4: interesting to unpack why your friends are saying that your

857
00:40:01,320 --> 00:40:05,600
Speaker 4: ethical investments aren't ethical. Are they saying that because they

858
00:40:05,600 --> 00:40:09,600
Speaker 4: are really against mining. Are they saying that because investing

859
00:40:09,640 --> 00:40:12,440
Speaker 4: inherently is something that they're uncomfortable with. If so, why

860
00:40:13,000 --> 00:40:16,560
Speaker 4: because at the end of the day, the only way

861
00:40:16,840 --> 00:40:19,799
Speaker 4: for an individual to create wealth, if they did not

862
00:40:19,960 --> 00:40:24,600
Speaker 4: come from wealth, is to invest. Whether you are investing

863
00:40:24,640 --> 00:40:27,360
Speaker 4: in the share market, whether you are investing in creating

864
00:40:27,360 --> 00:40:30,840
Speaker 4: your own business, you are never going to create wealth

865
00:40:31,120 --> 00:40:35,080
Speaker 4: in a salary and payg job without doing something with

866
00:40:35,200 --> 00:40:38,480
Speaker 4: the income that you earn. It's just the reality of

867
00:40:38,520 --> 00:40:41,520
Speaker 4: the situation. It's not nice, it's not fun, but you

868
00:40:41,640 --> 00:40:45,360
Speaker 4: saying that not investing in general is the most ethical

869
00:40:45,400 --> 00:40:47,719
Speaker 4: thing and therefore your suffering because of the lack of

870
00:40:47,760 --> 00:40:50,319
Speaker 4: investing that you're doing. I don't want people to be

871
00:40:50,320 --> 00:40:52,480
Speaker 4: in that position. Yeah, I want you to have that

872
00:40:52,640 --> 00:40:55,319
Speaker 4: education in that choice. So I feel like that's more

873
00:40:55,360 --> 00:40:58,400
Speaker 4: of a reflection of them than a reflection of you.

874
00:41:00,080 --> 00:41:02,120
Speaker 5: I have friends that sound very similar to this, and

875
00:41:02,200 --> 00:41:05,080
Speaker 5: I'm probably more on that end too, but not in

876
00:41:05,080 --> 00:41:06,759
Speaker 5: a way that's like, you know, I don't want to

877
00:41:06,760 --> 00:41:10,719
Speaker 5: ever be shoving my opinion to anyone's throats, but I

878
00:41:10,719 --> 00:41:11,920
Speaker 5: have a podcast.

879
00:41:11,640 --> 00:41:15,000
Speaker 4: That's what I do every day, so angel go hand.

880
00:41:15,160 --> 00:41:17,759
Speaker 5: Yeah, Well, I just think it's all everyone's in a

881
00:41:17,840 --> 00:41:21,120
Speaker 5: unique situation. Like you can't like put a blanket rawn

882
00:41:21,360 --> 00:41:23,680
Speaker 5: on literally everyone. But I think that if you're leaning

883
00:41:24,719 --> 00:41:27,680
Speaker 5: more on the spectrum of like wanting to make sure

884
00:41:27,680 --> 00:41:30,160
Speaker 5: that you'll purchase us every day at ethical and like

885
00:41:30,200 --> 00:41:31,800
Speaker 5: I don't know, like taking a keep cup and like

886
00:41:31,840 --> 00:41:34,399
Speaker 5: doing your part in the world to like not leave

887
00:41:35,360 --> 00:41:37,879
Speaker 5: quite as big an impact, it's like we are doing

888
00:41:37,880 --> 00:41:39,719
Speaker 5: all these things. We are trying to like look into

889
00:41:39,719 --> 00:41:41,680
Speaker 5: companies before we buy from them, and all these like

890
00:41:41,719 --> 00:41:43,759
Speaker 5: you know, the same with shares and stuff, looking into

891
00:41:44,080 --> 00:41:46,719
Speaker 5: where your money is going before you invest. And I

892
00:41:46,760 --> 00:41:48,360
Speaker 5: think some people can do it really really well and

893
00:41:48,600 --> 00:41:51,880
Speaker 5: they've covered everything off. But there are some people that

894
00:41:52,000 --> 00:41:55,240
Speaker 5: just like like our listener who we're referring to here, firstly,

895
00:41:55,239 --> 00:41:56,440
Speaker 5: I just want to say, like, yeah, with the with

896
00:41:56,480 --> 00:41:59,200
Speaker 5: the investment property, I think if our listener knows that

897
00:41:59,719 --> 00:42:00,480
Speaker 5: it is a risk.

898
00:42:00,520 --> 00:42:01,400
Speaker 2: It is an investment.

899
00:42:01,440 --> 00:42:04,320
Speaker 5: And if you have like a share and the share

900
00:42:04,719 --> 00:42:08,160
Speaker 5: price goes dramatically down and you lose money.

901
00:42:08,040 --> 00:42:08,759
Speaker 4: That was the risk.

902
00:42:08,880 --> 00:42:10,520
Speaker 2: The risk, that's the risk.

903
00:42:10,680 --> 00:42:14,200
Speaker 5: You lost money. Sorry, that's it. And if you understand

904
00:42:14,239 --> 00:42:16,400
Speaker 5: that you're putting someone in the house, you have an

905
00:42:16,400 --> 00:42:20,080
Speaker 5: investment property, someone's renting it out and the I don't know,

906
00:42:20,239 --> 00:42:21,120
Speaker 5: I actually.

907
00:42:22,239 --> 00:42:23,080
Speaker 2: You have to pay more.

908
00:42:23,120 --> 00:42:24,160
Speaker 4: That's not the tenant's fault.

909
00:42:24,200 --> 00:42:25,759
Speaker 2: That's the risk. That's the risk.

910
00:42:25,760 --> 00:42:27,200
Speaker 5: It Just keep that in mind. If you want to

911
00:42:27,200 --> 00:42:28,759
Speaker 5: buy an investment property and you're going to do it

912
00:42:29,080 --> 00:42:31,160
Speaker 5: that ethically, you're fine.

913
00:42:31,200 --> 00:42:33,839
Speaker 4: But yes, likely what if the tenants move out and

914
00:42:33,920 --> 00:42:37,000
Speaker 4: you haven't found a new tenant, that's you. That's your problem. Yeah,

915
00:42:37,040 --> 00:42:39,520
Speaker 4: that is your cost to carry. That is why you

916
00:42:40,239 --> 00:42:43,120
Speaker 4: have an emergency fund. That is why you have to

917
00:42:43,120 --> 00:42:45,399
Speaker 4: have so much cash in surplus to own property because

918
00:42:45,440 --> 00:42:47,680
Speaker 4: there are things that are gonna pop up.

919
00:42:48,000 --> 00:42:51,839
Speaker 5: Totally, totally. But just in regards to the investment thing.

920
00:42:52,239 --> 00:42:54,960
Speaker 5: Last week and I was at a friend's birthday thing,

921
00:42:54,960 --> 00:42:56,759
Speaker 5: and it was kind of funny because like, I only

922
00:42:56,800 --> 00:42:58,600
Speaker 5: drink soda waters, as you guys know, and I should

923
00:42:58,600 --> 00:43:00,320
Speaker 5: have a soda stream, but I like to buy myself

924
00:43:00,320 --> 00:43:02,759
Speaker 5: glass bottles of so to water when I'm so I

925
00:43:02,920 --> 00:43:05,000
Speaker 5: just like, yeah, just so, I feel like I'm you know,

926
00:43:05,000 --> 00:43:07,239
Speaker 5: everyone's grabbing their biers and they're like popping their thing off,

927
00:43:07,280 --> 00:43:08,440
Speaker 5: and I'm like, I just know you be part of that.

928
00:43:08,600 --> 00:43:11,480
Speaker 5: Everyone's like, ah, bag you she'd us there's water in

929
00:43:11,520 --> 00:43:14,400
Speaker 5: the tap, and I'm like, hey, guys, it's big corpor

930
00:43:14,640 --> 00:43:16,920
Speaker 5: You know, you've got to worry about big corpor Me

931
00:43:16,960 --> 00:43:17,919
Speaker 5: as an individual.

932
00:43:17,600 --> 00:43:20,960
Speaker 4: You've got to support big corporate. You could have support.

933
00:43:21,040 --> 00:43:22,279
Speaker 4: That's why you're buying their water.

934
00:43:22,480 --> 00:43:24,520
Speaker 5: I just think there's so only so much weir as

935
00:43:24,600 --> 00:43:26,560
Speaker 5: individuals can do on.

936
00:43:26,440 --> 00:43:27,480
Speaker 2: The ground things.

937
00:43:27,520 --> 00:43:28,920
Speaker 4: Big things grow, right, I know.

938
00:43:29,080 --> 00:43:31,359
Speaker 5: And it's like it's like that saying like, oh it's

939
00:43:31,400 --> 00:43:34,200
Speaker 5: only one plastic straw says four million people, you know

940
00:43:34,280 --> 00:43:36,279
Speaker 5: what I mean? So like I understand where they're coming from,

941
00:43:36,360 --> 00:43:39,520
Speaker 5: but it's also it's also it's probably an issue that's

942
00:43:39,560 --> 00:43:42,960
Speaker 5: bigger than you and exactly just saying, VIDI if you

943
00:43:43,120 --> 00:43:45,640
Speaker 5: if you are wanting to grow your money, you want to.

944
00:43:45,800 --> 00:43:48,040
Speaker 5: I don't know. I just think it's the investment part

945
00:43:48,280 --> 00:43:52,480
Speaker 5: not it's honestly, it's okay. If you are comfortable investing

946
00:43:52,520 --> 00:43:56,040
Speaker 5: in these places, that's okay. It there's something wrong inherently

947
00:43:56,080 --> 00:43:58,080
Speaker 5: with the places that you're investing in. Maybe that's the

948
00:43:58,120 --> 00:44:02,160
Speaker 5: government thing. And if you're buying investment property, just make

949
00:44:02,160 --> 00:44:03,040
Speaker 5: sure you do it ethically.

950
00:44:03,080 --> 00:44:06,240
Speaker 4: But we're not all perfect, right, We've all got different values.

951
00:44:06,320 --> 00:44:09,759
Speaker 4: It's like the vegetarian who still uses plastic straws, or

952
00:44:09,840 --> 00:44:13,520
Speaker 4: like the person who's using plastic straws, but also you know,

953
00:44:13,800 --> 00:44:17,440
Speaker 4: actually reinvests in really ethical things. On the flip side,

954
00:44:17,560 --> 00:44:20,600
Speaker 4: it's I don't know, the girl who uses plastic bags

955
00:44:21,080 --> 00:44:23,560
Speaker 4: is still going to rallies on the weekend about things

956
00:44:23,600 --> 00:44:26,479
Speaker 4: that she's really passionate about. Like we're all just doing

957
00:44:26,520 --> 00:44:28,920
Speaker 4: our best in line with our values. And if your

958
00:44:28,960 --> 00:44:31,680
Speaker 4: values don't align, I think it's a really awesome opportunity

959
00:44:32,040 --> 00:44:34,040
Speaker 4: to have a conversation about well what does that mean? Like,

960
00:44:34,040 --> 00:44:36,480
Speaker 4: why are you so passionate about that? Why do you

961
00:44:36,560 --> 00:44:39,080
Speaker 4: think this? Instead of going, oh my god, Beck, that's

962
00:44:39,080 --> 00:44:42,640
Speaker 4: so inethical and you're going, oh, that's awkward you, Oh,

963
00:44:42,760 --> 00:44:46,360
Speaker 4: why do you think that? Like, we can have educated conversations.

964
00:44:46,400 --> 00:44:49,160
Speaker 4: We don't have to have the same opinion, yes, but

965
00:44:49,239 --> 00:44:51,759
Speaker 4: we can have respectful conversations about what that means. And

966
00:44:51,800 --> 00:44:53,680
Speaker 4: I think so many times if you know, Jess said

967
00:44:53,760 --> 00:44:56,520
Speaker 4: I like ex and I'd be like, oh, like if

968
00:44:56,560 --> 00:44:58,920
Speaker 4: Jess said I love the color pink, I'm not going

969
00:44:58,960 --> 00:45:02,719
Speaker 4: to reply, ill, I don't like pink? What about pink

970
00:45:02,760 --> 00:45:06,160
Speaker 4: do you like? Like, we can have conversations with people

971
00:45:06,440 --> 00:45:08,799
Speaker 4: about things that we don't enjoy so that we get

972
00:45:08,840 --> 00:45:12,640
Speaker 4: a better understanding of them and their values. I agree. Amen. Anyway,

973
00:45:12,800 --> 00:45:15,480
Speaker 4: she's the Money's let Oh, I can't wait. I've got

974
00:45:15,520 --> 00:45:18,600
Speaker 4: so much to say about Bloody Landlords that I just

975
00:45:18,680 --> 00:45:20,680
Speaker 4: need to be kicked off the mIRC. At this point,

976
00:45:20,840 --> 00:45:23,000
Speaker 4: we'll do a whole episode. Oh we will, we will.

977
00:45:23,120 --> 00:45:26,160
Speaker 4: So let's get into our DMS this week. Hey, team,

978
00:45:26,320 --> 00:45:30,320
Speaker 4: I've got a Christmas bonus dilemma. I've always worked freelance

979
00:45:30,400 --> 00:45:33,000
Speaker 4: or contract so I've never really had bonuses or gifts

980
00:45:33,040 --> 00:45:36,759
Speaker 4: from work. It's just not something I expect. My partner, though,

981
00:45:36,880 --> 00:45:39,040
Speaker 4: is used to getting them and sees them as a

982
00:45:39,080 --> 00:45:42,200
Speaker 4: sign of being valued. At his last company, he didn't

983
00:45:42,200 --> 00:45:45,000
Speaker 4: get a bonus at all, and he took it really personally.

984
00:45:45,560 --> 00:45:48,800
Speaker 4: It started this spiral of feeling undervalued and negative about

985
00:45:48,800 --> 00:45:52,080
Speaker 4: his job, which eventually led to him leaving. Now he's

986
00:45:52,120 --> 00:45:55,120
Speaker 4: already talking about what his current company's bonus might look

987
00:45:55,200 --> 00:45:57,160
Speaker 4: like this year, and I'm worried it's going to be

988
00:45:57,200 --> 00:46:00,680
Speaker 4: the same cycle all over again. To me, is just

989
00:46:00,760 --> 00:46:04,840
Speaker 4: that a bonus, it's not guaranteed. Am I out of

990
00:46:04,920 --> 00:46:07,280
Speaker 4: touch here? How do I help him see the bigger

991
00:46:07,320 --> 00:46:15,840
Speaker 4: picture without dismissing how he feels.

992
00:46:13,160 --> 00:46:15,239
Speaker 5: I've only had one bonus ever in my entire life.

993
00:46:15,280 --> 00:46:17,200
Speaker 5: I didn't realize that anyone in the world thought they

994
00:46:17,200 --> 00:46:20,160
Speaker 5: were just the norm. So ivan is an out. It

995
00:46:20,320 --> 00:46:23,839
Speaker 5: seems like I feel like it's a real corporate thing. Yeah,

996
00:46:24,200 --> 00:46:25,400
Speaker 5: it's super corporate.

997
00:46:25,520 --> 00:46:29,080
Speaker 4: Like my husband, for example, gets bonuses as a part

998
00:46:29,160 --> 00:46:33,239
Speaker 4: of his remuneration structure, but it is outlined in his

999
00:46:33,360 --> 00:46:37,560
Speaker 4: employment contract that if you know his team and the

1000
00:46:37,600 --> 00:46:42,080
Speaker 4: business reach X level of profitability. Then this whole complex

1001
00:46:42,440 --> 00:46:45,319
Speaker 4: calculation comes into play. And then if he gets a

1002
00:46:45,360 --> 00:46:47,640
Speaker 4: five star rating, it's literally like reading a.

1003
00:46:47,680 --> 00:46:49,520
Speaker 2: Multi level marketing contract.

1004
00:46:50,440 --> 00:46:54,080
Speaker 4: What it takes to achieve it right, and then his

1005
00:46:54,200 --> 00:46:57,000
Speaker 4: bonus will be capped at a certain amount and then

1006
00:46:57,040 --> 00:47:00,600
Speaker 4: he will have a calculated percentage of XY. It's crazy,

1007
00:47:00,719 --> 00:47:04,960
Speaker 4: but some people. I eat my husband just to be honest,

1008
00:47:04,960 --> 00:47:07,799
Speaker 4: transparent and like, I guess a little bit relatable. That's

1009
00:47:07,840 --> 00:47:10,680
Speaker 4: part of his remuneration structure. And he like never knows

1010
00:47:10,680 --> 00:47:12,319
Speaker 4: what his bonus is going to because it's like it's

1011
00:47:12,320 --> 00:47:14,000
Speaker 4: too complex for me to work an outside just wait

1012
00:47:14,080 --> 00:47:15,880
Speaker 4: until work tell me, Oh, this is what the bonus

1013
00:47:15,920 --> 00:47:18,880
Speaker 4: is this year. But for me, I've never received a bonus,

1014
00:47:18,880 --> 00:47:21,359
Speaker 4: and I would in corporate. But then also I feel

1015
00:47:21,360 --> 00:47:24,719
Speaker 4: like small business they don't do bonuses.

1016
00:47:25,120 --> 00:47:28,719
Speaker 5: No, I just think maybe like bonuses are for the

1017
00:47:28,760 --> 00:47:31,920
Speaker 5: top dogs who maybe don't need it. But I can

1018
00:47:32,040 --> 00:47:34,879
Speaker 5: understand that bonuses are there for like people to work

1019
00:47:34,920 --> 00:47:37,080
Speaker 5: towards something throughout the year so they have this, you know,

1020
00:47:37,120 --> 00:47:39,840
Speaker 5: incentive at the end of the year. I feel like

1021
00:47:40,080 --> 00:47:41,759
Speaker 5: it just feels kind of unfair for those on the

1022
00:47:41,800 --> 00:47:44,319
Speaker 5: ground who don't actually have those things to work toward.

1023
00:47:44,360 --> 00:47:46,839
Speaker 5: If you're just like if you're a receptionist, and it's like,

1024
00:47:47,040 --> 00:47:50,600
Speaker 5: you're not technically directly making money for the company, so

1025
00:47:50,719 --> 00:47:53,719
Speaker 5: you don't there's no way for you to get an

1026
00:47:53,719 --> 00:47:56,080
Speaker 5: incentive to get the bonus. So it's like, but you

1027
00:47:56,120 --> 00:47:59,040
Speaker 5: probably need it more than anyone else in the goddamn company,

1028
00:47:59,080 --> 00:48:00,680
Speaker 5: you know what I mean. So I just feel like

1029
00:48:01,280 --> 00:48:03,600
Speaker 5: a bonus should be a nice if at all, a

1030
00:48:03,680 --> 00:48:05,560
Speaker 5: nice little I know that's not what the discussion is,

1031
00:48:05,719 --> 00:48:07,399
Speaker 5: a nice little surprise at the end of the year,

1032
00:48:07,400 --> 00:48:09,279
Speaker 5: like everyone's worked very hard, you all get the exact

1033
00:48:09,280 --> 00:48:12,920
Speaker 5: same amount of money, and that's all. But I did

1034
00:48:12,920 --> 00:48:16,000
Speaker 5: this person say that he's changed companies and left because

1035
00:48:16,000 --> 00:48:19,440
Speaker 5: he didn't feel valued. But before he left, he'd been

1036
00:48:19,480 --> 00:48:21,360
Speaker 5: the same company, got a bonus and then didn't get it.

1037
00:48:21,920 --> 00:48:23,680
Speaker 4: It was a new company, and they need to feel

1038
00:48:23,719 --> 00:48:25,680
Speaker 4: valued by that new company, so he left.

1039
00:48:26,280 --> 00:48:29,000
Speaker 5: I just think like, if there was no discussion about

1040
00:48:29,000 --> 00:48:30,879
Speaker 5: why there was no bonus, then you might you might

1041
00:48:30,880 --> 00:48:32,560
Speaker 5: not even know. Maybe it's just not something that they do,

1042
00:48:32,640 --> 00:48:35,319
Speaker 5: or maybe that's not it's like it's probably got nothing

1043
00:48:35,360 --> 00:48:37,879
Speaker 5: to do with the worker at all. In fact, yeah,

1044
00:48:37,880 --> 00:48:40,560
Speaker 5: it's probably so many different things, cost of living, anything else.

1045
00:48:40,840 --> 00:48:42,360
Speaker 5: But I can understand that if you're used to it

1046
00:48:42,360 --> 00:48:43,520
Speaker 5: and then it just kind of doesn't happen.

1047
00:48:43,560 --> 00:48:45,279
Speaker 4: But I've got so many opinions and I don't want

1048
00:48:45,320 --> 00:48:46,759
Speaker 4: to like put them in here because I want to

1049
00:48:46,760 --> 00:48:51,080
Speaker 4: ask my actual employee what she thinks about bonuses before

1050
00:48:51,160 --> 00:48:54,800
Speaker 4: I tell you my thought process on them. My experience

1051
00:48:54,840 --> 00:48:57,040
Speaker 4: similar to yours. It's where I wait.

1052
00:48:59,000 --> 00:49:02,560
Speaker 6: But my experience with bonuses was always corporate similar to

1053
00:49:02,600 --> 00:49:04,600
Speaker 6: your husband. It's it's outlined as a part of your

1054
00:49:04,640 --> 00:49:08,040
Speaker 6: remuneration scheme, and there's clear markers, like it's not like, oh,

1055
00:49:08,160 --> 00:49:09,839
Speaker 6: like you've been a nice person this year, so.

1056
00:49:09,800 --> 00:49:10,920
Speaker 4: You get a five rout.

1057
00:49:11,719 --> 00:49:15,200
Speaker 6: It was always very clear KPIs to achieve so, and

1058
00:49:15,600 --> 00:49:18,040
Speaker 6: in my experience, it was everyone within the company was

1059
00:49:18,080 --> 00:49:21,160
Speaker 6: eligible for bonuses. I've received bonuses at two different companies,

1060
00:49:21,200 --> 00:49:23,960
Speaker 6: and in both of those places it was like they

1061
00:49:23,960 --> 00:49:27,120
Speaker 6: were very achievable and so it wasn't like a if

1062
00:49:27,160 --> 00:49:30,200
Speaker 6: you do a crazy thing this year. It was always like, hey, like,

1063
00:49:30,280 --> 00:49:32,400
Speaker 6: if you've done your job well for the r you know,

1064
00:49:32,600 --> 00:49:36,160
Speaker 6: hit your KPIs, everyone's eligible for a bonus. I do

1065
00:49:36,200 --> 00:49:39,640
Speaker 6: believe it was tiered based. I think it was akin

1066
00:49:39,719 --> 00:49:41,120
Speaker 6: to your your salary.

1067
00:49:41,280 --> 00:49:41,879
Speaker 4: So I think like.

1068
00:49:41,840 --> 00:49:44,960
Speaker 6: People who were percent something like more senior people who

1069
00:49:44,960 --> 00:49:47,600
Speaker 6: were earning more did get bigger bonuses. But then arguably

1070
00:49:47,640 --> 00:49:50,200
Speaker 6: those people were taking on larger workloads, larger of responsibilities

1071
00:49:50,280 --> 00:49:52,719
Speaker 6: or whatever. So like that's how that worked. But like

1072
00:49:52,800 --> 00:49:55,440
Speaker 6: everybody knew, like you knew if you were going to

1073
00:49:55,480 --> 00:49:57,360
Speaker 6: get your bonus or not effectively, and you knew that

1074
00:49:57,400 --> 00:49:59,600
Speaker 6: it was because it was something that you sure was

1075
00:49:59,640 --> 00:50:02,279
Speaker 6: agreed upon, like when you were hired. I think that

1076
00:50:02,440 --> 00:50:06,880
Speaker 6: in terms of him leaving, I don't know, because obviously

1077
00:50:06,880 --> 00:50:08,520
Speaker 6: we're hearing this from our listener's point of view and

1078
00:50:08,520 --> 00:50:11,120
Speaker 6: the way that she's interpreted it. I don't think a

1079
00:50:11,160 --> 00:50:14,320
Speaker 6: bonus and not getting a bonus isy enough for somebody

1080
00:50:14,320 --> 00:50:15,120
Speaker 6: to leave a company.

1081
00:50:15,360 --> 00:50:17,720
Speaker 4: Yeah, but I feel like there would be more going on, correct.

1082
00:50:17,800 --> 00:50:20,080
Speaker 6: I think that maybe it's a it's symptomatic of like

1083
00:50:20,120 --> 00:50:22,279
Speaker 6: the straw that broke the camel's back, so to speak,

1084
00:50:22,320 --> 00:50:24,680
Speaker 6: Like if you're feeling undervalued, if you're not feeling a

1085
00:50:24,719 --> 00:50:26,440
Speaker 6: part of the team, if you're not feeling like your

1086
00:50:26,440 --> 00:50:29,640
Speaker 6: work's being recognized, if you're not feeling like XYZ and

1087
00:50:29,680 --> 00:50:31,480
Speaker 6: then you were hanging in there and you're like, oh,

1088
00:50:31,480 --> 00:50:32,680
Speaker 6: at least at the end of the year, I'm going

1089
00:50:32,680 --> 00:50:34,440
Speaker 6: to get my bonus, and you didn't get a bonus.

1090
00:50:35,440 --> 00:50:37,439
Speaker 6: I can see how that would maybe push somebody over

1091
00:50:37,480 --> 00:50:39,560
Speaker 6: the edge, but I think that it would probably be

1092
00:50:39,640 --> 00:50:43,960
Speaker 6: stacking on top of or heap of other things, exactly right.

1093
00:50:44,280 --> 00:50:46,880
Speaker 6: I do think that when you're being hired, it is

1094
00:50:47,000 --> 00:50:49,719
Speaker 6: kind of your responsibility to figure out those things. Like,

1095
00:50:49,760 --> 00:50:52,480
Speaker 6: I don't think you should just expect that every company

1096
00:50:53,400 --> 00:50:56,080
Speaker 6: does a bonus structure, because it looks different everywhere, in

1097
00:50:56,120 --> 00:50:59,920
Speaker 6: the same way that compensation broadly looks different at every company.

1098
00:51:00,400 --> 00:51:02,480
Speaker 6: So I do kind of think that your partner probably

1099
00:51:02,480 --> 00:51:04,680
Speaker 6: should have looked into that or spoken to their manager

1100
00:51:04,760 --> 00:51:07,239
Speaker 6: or kind of sust it out, because I don't think

1101
00:51:07,239 --> 00:51:09,920
Speaker 6: you can just expect everywhere to use a bonus structure

1102
00:51:10,400 --> 00:51:13,040
Speaker 6: or to do it the same way as your previous employers.

1103
00:51:13,640 --> 00:51:17,480
Speaker 6: But yeah, I think that them leaving was probably a

1104
00:51:17,520 --> 00:51:21,080
Speaker 6: result of a number of things. Not simply not getting

1105
00:51:21,120 --> 00:51:22,720
Speaker 6: a Christmas bonus would be my thoughts.

1106
00:51:22,880 --> 00:51:25,800
Speaker 4: Yeah, I guess this is flipping to the other side

1107
00:51:25,840 --> 00:51:29,959
Speaker 4: as the employer. I don't do Christmas bonuses. I don't

1108
00:51:29,960 --> 00:51:33,640
Speaker 4: do bonuses at all, because as a small business, you

1109
00:51:33,800 --> 00:51:36,040
Speaker 4: kind of like when you're structuring your business, you step

1110
00:51:36,080 --> 00:51:37,840
Speaker 4: back and go, okay, cool, like how much can I

1111
00:51:37,880 --> 00:51:41,080
Speaker 4: afford to pay these people? What can I do? And

1112
00:51:41,560 --> 00:51:44,120
Speaker 4: I would much prefer to max out what I can

1113
00:51:44,200 --> 00:51:48,120
Speaker 4: pay people annually then like withhold a certain amount of

1114
00:51:48,160 --> 00:51:51,440
Speaker 4: their remuneration for the rest of Like, I don't know,

1115
00:51:51,480 --> 00:51:54,200
Speaker 4: it just made me uncomfortable, like looking at the different

1116
00:51:54,200 --> 00:51:57,080
Speaker 4: business structures, like when you hire one employee, and Jess

1117
00:51:57,160 --> 00:51:59,760
Speaker 4: was my first in sheese on the money, and I remember,

1118
00:52:00,400 --> 00:52:04,000
Speaker 4: having already run a company and had employees. I remember

1119
00:52:04,040 --> 00:52:06,240
Speaker 4: going all right, well, this is actually a whole new entity.

1120
00:52:06,360 --> 00:52:09,719
Speaker 4: I should look into the type of remuneration structure I

1121
00:52:09,760 --> 00:52:12,960
Speaker 4: should offer, because you know, prior to Jess, I had

1122
00:52:12,960 --> 00:52:15,879
Speaker 4: only hired financial advisors and mortgage brokers, and I'd never

1123
00:52:15,960 --> 00:52:18,880
Speaker 4: really had somebody in a content role. And I was like, well,

1124
00:52:18,880 --> 00:52:22,240
Speaker 4: what does that look like? And I remember looking into

1125
00:52:22,400 --> 00:52:25,920
Speaker 4: like the different remuneration structures and talking to a recruitment

1126
00:52:26,239 --> 00:52:29,120
Speaker 4: person about what would be the best and talking to

1127
00:52:29,200 --> 00:52:31,520
Speaker 4: my employment lawyer and being like, you know, what are

1128
00:52:31,520 --> 00:52:34,200
Speaker 4: other businesses in this space doing, and getting a heap

1129
00:52:34,239 --> 00:52:36,719
Speaker 4: of advice, and ultimately I felt the most comfortable with

1130
00:52:36,840 --> 00:52:40,719
Speaker 4: going Okay, cool, I can afford to pay Jess the

1131
00:52:40,840 --> 00:52:45,239
Speaker 4: salary that she really wants, instead of going, oh, well, actually, Jess,

1132
00:52:45,280 --> 00:52:48,640
Speaker 4: it's actually ten grand below what you are asking for.

1133
00:52:48,800 --> 00:52:51,200
Speaker 4: But if you're really good and you work really hard,

1134
00:52:51,320 --> 00:52:54,640
Speaker 4: you can get another ten grand at Christmas. Like I

1135
00:52:54,680 --> 00:52:58,239
Speaker 4: in my head just didn't like that anticipation of like,

1136
00:52:58,880 --> 00:53:01,319
Speaker 4: I don't know the idea that Jess or even any

1137
00:53:01,440 --> 00:53:05,000
Speaker 4: employee would be really waiting until Christmas to be able

1138
00:53:05,040 --> 00:53:07,319
Speaker 4: to afford something, or really waiting until a bonus to

1139
00:53:07,320 --> 00:53:09,960
Speaker 4: make something happen. Like I just I like the clarity

1140
00:53:09,960 --> 00:53:13,600
Speaker 4: of clean numbers. That doesn't mean that Christmas isn't a

1141
00:53:13,640 --> 00:53:16,360
Speaker 4: generous time for our business, though, Like I feel like

1142
00:53:16,600 --> 00:53:19,800
Speaker 4: at Christmas time we still have a really beautiful party,

1143
00:53:20,080 --> 00:53:23,640
Speaker 4: have a you know, presence, all of that fun stuff.

1144
00:53:23,680 --> 00:53:26,560
Speaker 4: But I feel like that's then again back to what

1145
00:53:26,600 --> 00:53:29,239
Speaker 4: you were saying, like a surprise, it's not expected. It's

1146
00:53:29,239 --> 00:53:33,600
Speaker 4: an enjoyable experience. But then I've also been talking to

1147
00:53:33,640 --> 00:53:35,600
Speaker 4: someone recently where they're like, yeah, we had our work

1148
00:53:35,719 --> 00:53:39,840
Speaker 4: Christmas party, like everyone was told only have one drink

1149
00:53:39,960 --> 00:53:42,280
Speaker 4: because that's all the tab cover and it just feels

1150
00:53:42,280 --> 00:53:45,600
Speaker 4: so stingy. And that's what would make me feel like

1151
00:53:46,080 --> 00:53:49,480
Speaker 4: my business didn't value me like I would hate for

1152
00:53:49,600 --> 00:53:52,359
Speaker 4: And this is again complete personal opinion. Everybody runs their

1153
00:53:52,360 --> 00:53:56,240
Speaker 4: businesses differently. Like I cannot wait for our work Christmas party.

1154
00:53:56,440 --> 00:54:01,360
Speaker 4: Sit down with everybody? Beck bloody, she's busy route, but like, no,

1155
00:54:01,480 --> 00:54:04,120
Speaker 4: sit down with everybody for a really nice lunch. Also,

1156
00:54:04,160 --> 00:54:06,040
Speaker 4: can we just talk about how we always pick a

1157
00:54:06,160 --> 00:54:10,000
Speaker 4: lunch because I don't want after work hours to be

1158
00:54:10,239 --> 00:54:13,920
Speaker 4: a part of your expected work of time. Yeah, and

1159
00:54:14,160 --> 00:54:16,239
Speaker 4: we will be doing that during work hours. I mean

1160
00:54:16,560 --> 00:54:19,200
Speaker 4: it'll probably kick on, let's be honest, Like every year, Yes,

1161
00:54:19,280 --> 00:54:21,319
Speaker 4: everyone's gone out for drink suffw towards and had a

1162
00:54:21,320 --> 00:54:23,600
Speaker 4: really fun time. But like, I just hate the idea

1163
00:54:23,680 --> 00:54:27,000
Speaker 4: a Christmas time I would expect one of your evenings.

1164
00:54:27,800 --> 00:54:33,000
Speaker 4: Yeah so busy. Yeah, we're already busy anyway. I feel

1165
00:54:33,040 --> 00:54:35,359
Speaker 4: like there's you know, give and take. But then other

1166
00:54:35,400 --> 00:54:37,719
Speaker 4: small business owners would be like, oh, absolutely not. We

1167
00:54:37,760 --> 00:54:40,640
Speaker 4: don't do a Christmas party. We just buy everybody a

1168
00:54:40,719 --> 00:54:43,600
Speaker 4: Christmas hamper and send them on their way on you know,

1169
00:54:43,680 --> 00:54:46,040
Speaker 4: the twenty third of December and I just I don't know.

1170
00:54:46,080 --> 00:54:48,360
Speaker 4: We've all got our own way of doing things, but

1171
00:54:48,640 --> 00:54:51,359
Speaker 4: I feel like a bonus is not reflective of how

1172
00:54:51,480 --> 00:54:54,400
Speaker 4: valued you are. There would have to be other things

1173
00:54:54,520 --> 00:54:57,960
Speaker 4: at play. Yeah, I agree, I agree what everyone else say.

1174
00:54:58,000 --> 00:55:00,799
Speaker 4: Oh that was slow juicy. So said, have you ever

1175
00:55:00,840 --> 00:55:03,920
Speaker 4: scored a Christmas bonus? Only nine percent of you said, yeah,

1176
00:55:03,960 --> 00:55:06,920
Speaker 4: I get one every year. I'm sure, right, yeah. Twenty

1177
00:55:06,920 --> 00:55:09,279
Speaker 4: two percent of you said occasionally, but it's definitely not

1178
00:55:09,320 --> 00:55:12,000
Speaker 4: the norm. And then sixty nine percent of you said

1179
00:55:12,120 --> 00:55:15,719
Speaker 4: nap never had a bonus. Wow. We said, do you

1180
00:55:15,760 --> 00:55:19,360
Speaker 4: think Christmas bonuses should be performance based or given equally?

1181
00:55:20,000 --> 00:55:23,320
Speaker 4: Sixty percent of you said performance based, and forty percent

1182
00:55:23,360 --> 00:55:27,040
Speaker 4: of you said given equally to everybody. What are your thoughts?

1183
00:55:27,400 --> 00:55:29,480
Speaker 4: I think this is the like, if she's on the money,

1184
00:55:29,600 --> 00:55:34,120
Speaker 4: was giving bonuses? Is it equal? Is it performance based? Well?

1185
00:55:34,160 --> 00:55:36,760
Speaker 5: I think that the risk is like here, what we're

1186
00:55:36,800 --> 00:55:39,040
Speaker 5: hearing now is that this guy literally left his company

1187
00:55:39,040 --> 00:55:42,480
Speaker 5: because he felt really disenchanted, really undervalued. This is the

1188
00:55:42,800 --> 00:55:45,560
Speaker 5: negative effect that bonuses can have if not given to everyone.

1189
00:55:45,640 --> 00:55:48,600
Speaker 5: But also it's like if you perceive that you have

1190
00:55:48,680 --> 00:55:52,759
Speaker 5: worked hard all year, but your coworker. Your cowork hasn't

1191
00:55:52,760 --> 00:55:55,160
Speaker 5: all your stats haven't lined up with that, but you've

1192
00:55:55,160 --> 00:55:58,839
Speaker 5: been burnt to the crisp. You are burnt out. You've

1193
00:55:58,880 --> 00:56:01,640
Speaker 5: worked so hard you really loyals to the company. But

1194
00:56:01,719 --> 00:56:05,200
Speaker 5: because on paper your stats might not show that, you

1195
00:56:05,200 --> 00:56:06,040
Speaker 5: don't get a bonus.

1196
00:56:06,360 --> 00:56:07,560
Speaker 2: Sorry, you know what I mean.

1197
00:56:07,600 --> 00:56:10,120
Speaker 5: It's just like I feel like performance some people are

1198
00:56:10,200 --> 00:56:13,320
Speaker 5: really not you know, they just come into the bare minimum.

1199
00:56:13,360 --> 00:56:13,799
Speaker 2: That's fine.

1200
00:56:13,800 --> 00:56:15,560
Speaker 5: If they've kept their jobs, then they're just they're doing

1201
00:56:15,560 --> 00:56:17,200
Speaker 5: their job and that's okay. I don't think we need

1202
00:56:17,239 --> 00:56:20,640
Speaker 5: to always be like striving for extra, extra extra. If

1203
00:56:20,680 --> 00:56:23,120
Speaker 5: you're doing your job, that's plenty. That's what you've been

1204
00:56:23,160 --> 00:56:24,080
Speaker 5: hired for. You're doing good.

1205
00:56:24,200 --> 00:56:24,680
Speaker 4: Yeah.

1206
00:56:24,760 --> 00:56:28,520
Speaker 5: I just think the risk that people will feel undervalued

1207
00:56:28,960 --> 00:56:31,400
Speaker 5: and actually be working hard and not ever be seen

1208
00:56:32,120 --> 00:56:35,920
Speaker 5: is higher than just giving everyone the same and someone

1209
00:56:36,040 --> 00:56:38,879
Speaker 5: benefits even if they've just kind of walked in they

1210
00:56:38,920 --> 00:56:39,799
Speaker 5: come in late all the time.

1211
00:56:40,160 --> 00:56:42,319
Speaker 2: That's rarer. I think, Yeah, that's fair.

1212
00:56:42,440 --> 00:56:44,960
Speaker 6: The metrics are hard too, because generally, like you have

1213
00:56:45,000 --> 00:56:47,400
Speaker 6: people doing such different things, like in my job, like

1214
00:56:47,600 --> 00:56:50,480
Speaker 6: I'm directly linked to like revenue being generated. About to

1215
00:56:50,480 --> 00:56:53,480
Speaker 6: say that somebody like our graphic designer, Like, what she's

1216
00:56:53,520 --> 00:56:58,920
Speaker 6: doing is absolutely generating revenues, notrect.

1217
00:56:57,960 --> 00:56:59,399
Speaker 4: Do you know what I mean? So, like I could

1218
00:56:59,400 --> 00:57:01,719
Speaker 4: sit down and I like that's I was about to

1219
00:57:01,760 --> 00:57:05,720
Speaker 4: be like, I think it's given equally, But that goes

1220
00:57:05,760 --> 00:57:10,960
Speaker 4: back to a bigger conversation about accountability, performance management and stuff.

1221
00:57:11,000 --> 00:57:13,520
Speaker 4: So I know, in my she's on the money team.

1222
00:57:13,680 --> 00:57:15,720
Speaker 4: I'm proud of you guys, So that's why I always gloat.

1223
00:57:16,000 --> 00:57:18,960
Speaker 4: But like everyone in my team works friggin hard. Yeah,

1224
00:57:19,080 --> 00:57:22,440
Speaker 4: if you don't work hard, it's not the environment for you.

1225
00:57:22,840 --> 00:57:26,200
Speaker 4: It's going to be very obvious. Like I would say,

1226
00:57:26,240 --> 00:57:28,400
Speaker 4: I'm not a micro manager, Like I'm not sitting there

1227
00:57:28,400 --> 00:57:29,720
Speaker 4: being like what are you doing? Just but it will

1228
00:57:29,760 --> 00:57:32,360
Speaker 4: be obvious if Jess wasn't doing her job, same with

1229
00:57:32,440 --> 00:57:35,439
Speaker 4: literally anybody else in the team. But you know, we've

1230
00:57:35,440 --> 00:57:38,160
Speaker 4: got our graphic designer. She can't put a number on

1231
00:57:38,320 --> 00:57:40,360
Speaker 4: what her work brings in. But if you didn't have

1232
00:57:40,400 --> 00:57:42,800
Speaker 4: a graphic designer, just what are content's going out? What

1233
00:57:42,880 --> 00:57:44,640
Speaker 4: content is going and what am I selling? You know,

1234
00:57:44,760 --> 00:57:48,680
Speaker 4: they've got a podcast producer and she's fantastic, But Jess,

1235
00:57:48,680 --> 00:57:50,920
Speaker 4: what are you selling if our broadcast producer doesn't do

1236
00:57:50,960 --> 00:57:51,680
Speaker 4: her job well.

1237
00:57:52,040 --> 00:57:53,720
Speaker 6: If you can't, it's so hard because I think, and

1238
00:57:53,800 --> 00:57:56,120
Speaker 6: especially if you look at like a larger company, you go, oh,

1239
00:57:56,200 --> 00:57:58,720
Speaker 6: like an admin assistant for example, versus someone in a

1240
00:57:58,720 --> 00:58:01,600
Speaker 6: sales team the same. Your team on paper is bringing

1241
00:58:01,600 --> 00:58:03,000
Speaker 6: in money, but like I'm.

1242
00:58:02,840 --> 00:58:05,439
Speaker 4: Sorry, the assistant is making sure that they can do their.

1243
00:58:05,400 --> 00:58:08,280
Speaker 6: Job, running ragged to make it happen. So it's it's

1244
00:58:08,400 --> 00:58:11,360
Speaker 6: hard because I think you're not comparing like for lack for.

1245
00:58:11,600 --> 00:58:14,680
Speaker 4: Like when you do it exactly. I do like the idea.

1246
00:58:14,440 --> 00:58:16,320
Speaker 6: Of it as much as I understand what you're saying

1247
00:58:16,320 --> 00:58:18,520
Speaker 6: back about how some people might coast and some people

1248
00:58:18,600 --> 00:58:21,760
Speaker 6: might go above and beyond. I do kind of like

1249
00:58:21,840 --> 00:58:27,439
Speaker 6: the idea of it being applied equally again equally valued. Yes,

1250
00:58:27,520 --> 00:58:28,880
Speaker 6: I agree, but I mean.

1251
00:58:28,800 --> 00:58:32,360
Speaker 4: There's arguments that go both ways, right, But like, but

1252
00:58:32,480 --> 00:58:35,240
Speaker 4: I think in this situation, they're saying it's because he

1253
00:58:35,320 --> 00:58:40,320
Speaker 4: doesn't feel valued, and it's like, well, to me, that's

1254
00:58:41,000 --> 00:58:45,000
Speaker 4: all or nothing kind of statement, like that's not I

1255
00:58:45,000 --> 00:58:48,080
Speaker 4: don't feel valued because I generated an extra X, y Z.

1256
00:58:48,400 --> 00:58:52,640
Speaker 4: Then you know, just over in sales, like what you expected,

1257
00:58:52,760 --> 00:58:54,480
Speaker 4: Like I don't know, I just don't like the idea

1258
00:58:54,520 --> 00:58:57,960
Speaker 4: that one team member would get preferential treatment to another

1259
00:58:58,480 --> 00:59:01,840
Speaker 4: because they had sales target. Anyway, it becomes so comp

1260
00:59:01,880 --> 00:59:04,800
Speaker 4: Look how complex we're making it. We did ask the

1261
00:59:04,840 --> 00:59:07,120
Speaker 4: community for some opinions. Would you like to hear them?

1262
00:59:07,880 --> 00:59:10,439
Speaker 4: I thought you might so. First person said, my dad

1263
00:59:10,520 --> 00:59:12,400
Speaker 4: used to get a Christmas Ham and a slaber beer.

1264
00:59:13,080 --> 00:59:16,320
Speaker 4: I've never had anything from work. Do you know what

1265
00:59:16,400 --> 00:59:18,760
Speaker 4: my dad's work used to give away? A Christmas Ham?

1266
00:59:19,360 --> 00:59:24,400
Speaker 2: You set Christmas ham? Christmas Like, I'll just bid sharing too.

1267
00:59:24,800 --> 00:59:26,080
Speaker 4: Thanks for this.

1268
00:59:26,280 --> 00:59:27,640
Speaker 2: Leg that's really bad.

1269
00:59:29,240 --> 00:59:30,080
Speaker 4: It's terrible.

1270
00:59:30,320 --> 00:59:31,120
Speaker 2: Well, it's probably on me.

1271
00:59:31,160 --> 00:59:31,479
Speaker 4: I didn't.

1272
00:59:31,840 --> 00:59:34,200
Speaker 2: I wasn't making a song and dance. I should have.

1273
00:59:34,840 --> 00:59:38,840
Speaker 4: Someone else said, I get it as vouchers, not big bonuses.

1274
00:59:39,200 --> 00:59:41,960
Speaker 4: But last year they just gave it to me in

1275
00:59:42,000 --> 00:59:46,160
Speaker 4: my pay But then I got extra attacks. Of course

1276
00:59:46,400 --> 00:59:50,280
Speaker 4: that's what they did, YEA. If I am giving cash

1277
00:59:50,360 --> 00:59:52,760
Speaker 4: to a team member, like for some reason, or like

1278
00:59:52,840 --> 00:59:54,960
Speaker 4: a bonus or a Christmas present, not bonus, you know

1279
00:59:55,000 --> 00:59:57,280
Speaker 4: what I mean. Like, if there's some reason I'm gifting

1280
00:59:57,280 --> 00:59:59,960
Speaker 4: them something, it will come as a vis A gift card.

1281
01:00:00,120 --> 01:00:03,120
Speaker 4: Most of the time because I'm literally like okay, cool,

1282
01:00:03,160 --> 01:00:04,880
Speaker 4: I don't want to be like, oh, here's a Mecca

1283
01:00:04,880 --> 01:00:08,720
Speaker 4: gift card. If I don't know your financial situation, maybe

1284
01:00:08,880 --> 01:00:11,320
Speaker 4: like one hundred dollars at Mecca Sligh. I know Jess

1285
01:00:11,320 --> 01:00:12,840
Speaker 4: would love that, so like, I don't think there'd be

1286
01:00:12,840 --> 01:00:15,800
Speaker 4: any complaints, but maybe Beck you'd be like what the hell?

1287
01:00:15,840 --> 01:00:18,080
Speaker 4: Like I would prefer a hundred bucks in my bank account. Yeah,

1288
01:00:18,080 --> 01:00:20,360
Speaker 4: the groceries like a Visa gift card cann't do that.

1289
01:00:20,600 --> 01:00:22,120
Speaker 4: So if you're an employer and you've never done it,

1290
01:00:22,160 --> 01:00:24,040
Speaker 4: and you're thinking about Christmas this year and you're like, oh,

1291
01:00:24,040 --> 01:00:25,840
Speaker 4: I don't know what to get people, you've probably already

1292
01:00:25,840 --> 01:00:28,200
Speaker 4: done it because today's the last Friday before Christmas. But

1293
01:00:28,720 --> 01:00:31,160
Speaker 4: silence away for next year, Away for next year. Visa

1294
01:00:31,200 --> 01:00:34,280
Speaker 4: gift cards are I would say employees favorite type of

1295
01:00:34,320 --> 01:00:37,720
Speaker 4: gift cards because they can be used anywhere. True. True. True.

1296
01:00:37,880 --> 01:00:40,800
Speaker 4: Someone else said, no bonuses when you work for the government.

1297
01:00:40,880 --> 01:00:43,320
Speaker 4: If you think you add that much value, you should

1298
01:00:43,320 --> 01:00:46,240
Speaker 4: be asking for a raise. Also a relevant point.

1299
01:00:46,320 --> 01:00:47,320
Speaker 2: Well, that's a good point.

1300
01:00:47,440 --> 01:00:49,200
Speaker 4: Yes, you think you deserve more, ask for it.

1301
01:00:49,600 --> 01:00:51,240
Speaker 2: Huh, that's a really good point.

1302
01:00:51,560 --> 01:00:52,520
Speaker 4: Humbling. I like it.

1303
01:00:52,760 --> 01:00:53,240
Speaker 2: Yeah.

1304
01:00:53,320 --> 01:00:56,000
Speaker 4: Someone else said, I've always received a gift card reflective

1305
01:00:56,040 --> 01:00:59,400
Speaker 4: of my role level and workload that year in three roles.

1306
01:00:59,440 --> 01:01:03,600
Speaker 4: Now cool. I didn't realize the gift cards were so prominent. Yeah,

1307
01:01:03,680 --> 01:01:06,600
Speaker 4: I like this picasso. Someone else said in this climate,

1308
01:01:06,680 --> 01:01:09,880
Speaker 4: reality is most businesses can't afford bonuses. It doesn't mean

1309
01:01:09,920 --> 01:01:13,200
Speaker 4: they don't value you. Someone else said, a bonus is

1310
01:01:13,240 --> 01:01:17,200
Speaker 4: a bonus, and it shouldn't be expected because it's a bonus.

1311
01:01:16,840 --> 01:01:18,720
Speaker 6: Which kind of contradicts the fact that it gets put

1312
01:01:18,760 --> 01:01:20,680
Speaker 6: into a lot of remuneration schemes.

1313
01:01:20,920 --> 01:01:25,160
Speaker 4: Yeah, I feel like we are confusing the terminology. So

1314
01:01:25,320 --> 01:01:28,800
Speaker 4: like obviously in if it's in your remuneration structure, a

1315
01:01:28,800 --> 01:01:30,960
Speaker 4: bonus is a bonus if you meet a certain amount

1316
01:01:31,000 --> 01:01:33,280
Speaker 4: of KPIs and there's like a whole structure to it.

1317
01:01:33,280 --> 01:01:35,680
Speaker 4: It sounds like this person didn't have, like going back

1318
01:01:35,680 --> 01:01:38,480
Speaker 4: to the listener question, they didn't have that in their

1319
01:01:38,560 --> 01:01:40,320
Speaker 4: pay structure. It's not like, oh, it was in his

1320
01:01:40,400 --> 01:01:42,760
Speaker 4: contract and he never got paid it. It's like a

1321
01:01:42,800 --> 01:01:45,360
Speaker 4: little Chris, It's a little Christmas treat he was expecting

1322
01:01:45,400 --> 01:01:48,440
Speaker 4: but didn't get. Yeah, So if it's in your pay structure,

1323
01:01:48,680 --> 01:01:51,240
Speaker 4: I don't know. I don't know. It's just so varied,

1324
01:01:51,280 --> 01:01:54,440
Speaker 4: isn't it. Someone else said, I worked exceptionally hard one

1325
01:01:54,520 --> 01:01:56,720
Speaker 4: year only for everyone to get the same bonus.

1326
01:01:57,360 --> 01:01:59,479
Speaker 6: I can see how that would be, yes, Like carry

1327
01:01:59,480 --> 01:02:01,320
Speaker 6: back to what you are saying, Yeah, I can see what.

1328
01:02:01,400 --> 01:02:03,840
Speaker 4: Whereas from an employer's perspective, I kind of look at

1329
01:02:03,880 --> 01:02:06,040
Speaker 4: it and go yep, because I'm pretty sure when I

1330
01:02:06,080 --> 01:02:08,280
Speaker 4: look at my business as a wholest team effort.

1331
01:02:08,640 --> 01:02:11,120
Speaker 5: Totally Yeah, and honestly like sometimes just being like, hey,

1332
01:02:11,200 --> 01:02:13,880
Speaker 5: you actually did a great job this year, like that's plenty,

1333
01:02:14,080 --> 01:02:14,720
Speaker 5: that feels.

1334
01:02:14,440 --> 01:02:17,440
Speaker 4: Really good, And I'll have personal conversations about that, you know,

1335
01:02:17,800 --> 01:02:20,320
Speaker 4: discuss it and talk about salary and talk about all

1336
01:02:20,320 --> 01:02:22,840
Speaker 4: of those things separately, because I don't want people to

1337
01:02:22,840 --> 01:02:25,400
Speaker 4: not feel valued. But like a little gift on the side,

1338
01:02:25,640 --> 01:02:27,520
Speaker 4: isn't why you're valued?

1339
01:02:27,840 --> 01:02:28,560
Speaker 2: Yeah, exactly.

1340
01:02:29,200 --> 01:02:31,360
Speaker 4: Someone else said, we always get a bonus of a

1341
01:02:31,360 --> 01:02:33,600
Speaker 4: two hundred dollars Woolies gift card, which is great, but

1342
01:02:33,880 --> 01:02:35,360
Speaker 4: I never rely on them.

1343
01:02:35,440 --> 01:02:37,440
Speaker 2: Oh yeah, that's a great gift, all right Christmas?

1344
01:02:37,440 --> 01:02:40,120
Speaker 4: Someone else said, try working in health. Don't even get

1345
01:02:40,120 --> 01:02:42,040
Speaker 4: a day off at this time of year, let alone

1346
01:02:42,040 --> 01:02:44,000
Speaker 4: a bonus. Oh and you have to shell out of

1347
01:02:44,040 --> 01:02:46,960
Speaker 4: your own pocket for the work Christmas party. What Yeah,

1348
01:02:46,960 --> 01:02:49,320
Speaker 4: I wouldn't be doing. I remember I worked at a

1349
01:02:49,400 --> 01:02:53,320
Speaker 4: university one time and they made the biggest deal about

1350
01:02:53,360 --> 01:02:55,640
Speaker 4: this work Christmas party and I was like, oh, okay,

1351
01:02:55,720 --> 01:02:58,400
Speaker 4: norries and like the university I worked at was not

1352
01:02:58,520 --> 01:03:01,200
Speaker 4: in the Melbourne CV and they had picked to Melbourne

1353
01:03:01,240 --> 01:03:03,600
Speaker 4: CBD location for the Christmas party. And I'm thinking, oh,

1354
01:03:03,680 --> 01:03:06,120
Speaker 4: this is great that work's putting this on official work

1355
01:03:06,120 --> 01:03:10,200
Speaker 4: invitation all of that, and then an email went around

1356
01:03:10,240 --> 01:03:11,640
Speaker 4: and they were like, oh, make sure you bring at

1357
01:03:11,720 --> 01:03:15,200
Speaker 4: least one hundred dollars in cash. I remembering like what, sorry,

1358
01:03:15,480 --> 01:03:19,400
Speaker 4: sorry dude, And then I asked like my direct manager

1359
01:03:19,400 --> 01:03:21,240
Speaker 4: about it. Thankfully I liked her, and I was like,

1360
01:03:21,680 --> 01:03:23,400
Speaker 4: what's this about, Like why would we bring one hundred

1361
01:03:23,400 --> 01:03:25,760
Speaker 4: dollars cash? And she's like, oh, because, like it's just

1362
01:03:25,800 --> 01:03:28,040
Speaker 4: so much easier at the end of the night. You know,

1363
01:03:28,160 --> 01:03:30,400
Speaker 4: the set menu that we're paying for is like sixty

1364
01:03:30,480 --> 01:03:32,320
Speaker 4: nine dollars ahead and then drink, so it will be

1365
01:03:32,360 --> 01:03:34,040
Speaker 4: at least one hundred dollars ahead. And I was like,

1366
01:03:35,160 --> 01:03:37,920
Speaker 4: I will totally not be attending. I was taking it

1367
01:03:37,920 --> 01:03:40,080
Speaker 4: back by it because I was like, oh, like already.

1368
01:03:40,080 --> 01:03:42,520
Speaker 4: I was feeling a little bit awkward because spoiler, I

1369
01:03:42,520 --> 01:03:44,120
Speaker 4: didn't like the rest of the team. That's why that

1370
01:03:44,200 --> 01:03:46,440
Speaker 4: job never worked out for me. Didn't want to go.

1371
01:03:47,080 --> 01:03:50,160
Speaker 4: Was taking my partner, so like awkward conversation and being like,

1372
01:03:50,200 --> 01:03:52,880
Speaker 4: so does that mean like two hundred dollars, Like what's covered?

1373
01:03:52,880 --> 01:03:54,760
Speaker 4: What's not? They're like, oh, none of it's covered. We've

1374
01:03:54,760 --> 01:03:57,640
Speaker 4: just organized it as a team to go out, and

1375
01:03:57,680 --> 01:04:00,880
Speaker 4: I was like cool, but it was just the backward

1376
01:04:00,960 --> 01:04:05,360
Speaker 4: situation in the entire world. I went because I felt awkward.

1377
01:04:06,080 --> 01:04:08,360
Speaker 4: Shit is night of my life and ayre like I've

1378
01:04:08,400 --> 01:04:09,000
Speaker 4: had a bad time.

1379
01:04:09,040 --> 01:04:11,000
Speaker 6: I hate everyone here, ad I'm one hundred dollars for

1380
01:04:11,520 --> 01:04:12,520
Speaker 6: this is the worst.

1381
01:04:12,280 --> 01:04:15,120
Speaker 4: I ever And everyone was rude to my now husband,

1382
01:04:15,800 --> 01:04:19,080
Speaker 4: like they were just so rude, and I remember, I'm

1383
01:04:19,200 --> 01:04:20,800
Speaker 4: on the way home. I'm like, I'm so sorry, Steve,

1384
01:04:20,840 --> 01:04:24,040
Speaker 4: and he was like, well, that was terrible. I was like, yep, anyway,

1385
01:04:24,080 --> 01:04:26,560
Speaker 4: that's what the community had to say. I feel like

1386
01:04:26,600 --> 01:04:29,720
Speaker 4: that's a good place to leave it. It is. I'm excited.

1387
01:04:29,760 --> 01:04:32,120
Speaker 4: We have a bonus episode coming out on Christmas Day,

1388
01:04:32,160 --> 01:04:35,080
Speaker 4: so don't worry, We're not done it. With the festivities yet,

1389
01:04:35,640 --> 01:04:38,560
Speaker 4: but if we don't speak to you before then have

1390
01:04:38,760 --> 01:04:41,040
Speaker 4: the best festive season.

1391
01:04:41,200 --> 01:04:43,120
Speaker 2: Mary, Chris, Marry Chris.

1392
01:04:43,280 --> 01:04:46,360
Speaker 4: Holidays, my friend. Hope you have a good period. We

1393
01:04:46,400 --> 01:04:55,200
Speaker 4: love you. We'll see soon. Bye bye bye. Did buy

1394
01:04:55,360 --> 01:04:57,920
Speaker 4: shared on cheese? On the Money is general in nature

1395
01:04:57,960 --> 01:05:01,360
Speaker 4: and does not consider your individual circuit substances. She's on

1396
01:05:01,400 --> 01:05:04,880
Speaker 4: the Money exists purely for educational purposes and should not

1397
01:05:04,960 --> 01:05:07,920
Speaker 4: be relied upon to make an investment or financial decision.

1398
01:05:08,320 --> 01:05:10,760
Speaker 4: If you do choose to buy a financial product, read

1399
01:05:10,800 --> 01:05:14,960
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

1400
01:05:14,960 --> 01:05:18,280
Speaker 4: your needs. Victoria Divine and She's on the Money are

1401
01:05:18,320 --> 01:05:23,360
Speaker 4: authorized representatives of money Sherper Pty Ltd ABN three two

1402
01:05:23,360 --> 01:05:26,360
Speaker 4: one is six four nine two seven seven zero eight

1403
01:05:26,640 --> 01:05:29,240
Speaker 4: AFSL four five one two eight nine