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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money. Hello, and welcome to She's on

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Speaker 2: the Money, the podcast Millennials Who Want Financial Freedom. My

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Speaker 2: name is Georgia King. I'm a copywriter and journalism student

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Speaker 2: who still has stacks left to learn when it comes

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Speaker 2: to money, and here to put the fun in finance

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Speaker 2: is none other than financial advisor Victoria. To find Victoria Today?

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Speaker 2: Do you like that one?

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Speaker 1: I liked it, but there's no fun fun in I

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Speaker 1: think you're meant to say, I like the letters Make

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Speaker 1: alone alone? Okay?

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Speaker 2: Today on the show, we are going to be talking

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Speaker 2: through a topic that we don't think people are really

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Speaker 2: talking about, so we're going to do it. Should you

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Speaker 2: be basing your career choice around salary?

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Speaker 1: Now?

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Speaker 2: It is all well and good to say that money

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Speaker 2: doesn't buy happiness, but it does provide a certain level

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Speaker 2: of freedom, which is something we should absolutely be striving for.

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Speaker 2: So does salary really matter? But before we unpack this

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Speaker 2: multi layered and potentially controversial topic, Victoria, talk me through

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Speaker 2: your money wins or confessions of this week. What has

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Speaker 2: been going on?

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Speaker 1: Georgia King? Hello, I got a money win for you.

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Speaker 1: Oh my gosh, Sometimes I really struggle to think of these.

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Speaker 1: But this week I had a money win, and in

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Speaker 1: the moment that I had that money win, I said

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Speaker 1: to the person that was with me, that's money win.

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Speaker 2: I do that all the time.

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Speaker 1: So doroorger kingk My money win this week is actually

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Speaker 1: about parking. Oh yes, excited as you know, we've just

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Speaker 1: moved into our new offices in the city, which means

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Speaker 1: I have had to move some things into the office

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Speaker 1: using my car, and I didn't make early bird recently.

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Speaker 1: I knew that i'd be up for maybe like an

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Speaker 1: eighty dollar parking bill, which was really sad. I was like,

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Speaker 1: you know what, I'm just gonna have to copy it

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Speaker 1: on the nose. We actually need to move stuff in

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Speaker 1: and out of the office today. And when I went

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Speaker 1: to pay for my parking, I like drove up to

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Speaker 1: the boomgate, put my ticket in, had my debit card

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Speaker 1: ready to he was feeling a bit of the sting already,

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Speaker 1: and the card wouldn't or the ticket wouldn't go into

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Speaker 1: the machine, and so I turned it around and flipped

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Speaker 1: it upside down and like fixed it. And then I

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Speaker 1: ended up having to call the press the call button,

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Speaker 1: and then the woman was like, oh, when did you

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Speaker 1: come in, you know, try it again and then it

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Speaker 1: didn't work and she's like, oh, well, just go have

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Speaker 1: a nice day.

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Speaker 2: You are kidding me.

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Speaker 1: No, I'm not kidding. And I got to have free

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Speaker 1: parking in the Melbourne CVD. That's an eighty dollar ish

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Speaker 1: money wino. I know what did you do with that

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Speaker 1: eighty dollars? I put it into my savings, taking your

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Speaker 1: own advice.

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Speaker 3: There, I love it.

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Speaker 1: I do you know what, Georgia, I can't claim that one. Actually,

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Speaker 1: so Ryan, who is someone who works with us, who

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Speaker 1: was in the car with me, and he actually said,

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Speaker 1: all right, Victoria, that's the money win. You're going to

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Speaker 1: transfer your eighty dollars to your savings, aren't you? And

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Speaker 1: I yes, ran sorry Ryan, So I did it because

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Speaker 1: he told me to. But yes, by Ryan, Yeah, that

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Speaker 1: was a good money win. Anyway, let's move on to

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Speaker 1: your money win or money confession. What have you got

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Speaker 1: for us this week?

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Speaker 2: I have another win. I'm just carving out the wins left,

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Speaker 2: right and center.

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Speaker 1: This year amazing.

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Speaker 2: I mean, no income is still kind of affecting me,

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Speaker 2: but you know, it's about the small wins. So my

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Speaker 2: little win this week was that I have perfected the

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Speaker 2: ultimate homemade green smoothie.

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Speaker 1: Oh impressive.

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Speaker 2: Now they will set you back a fat twelve dollars

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Speaker 2: at my local twelve dollars for smoothie.

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Speaker 1: Yeah, at least legit.

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Speaker 2: So I've basically just stolen their recipe and good, I'm

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Speaker 2: making it at home now I think we can endorse that.

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Speaker 2: Does that count as a money win?

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Speaker 1: That count?

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Speaker 2: Says a money win. Now, let's move on to something

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Speaker 2: a little more impressive. The Facebook group. They are always impressive, Victoria,

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Speaker 2: have you got a favorite for me this week?

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Speaker 1: I do, And I actually said on the Facebook group

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Speaker 1: this week, or I commented on the post in the

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Speaker 1: group this week that it was probably my favorite money

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Speaker 1: win of the month, and I think everybody.

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Speaker 2: That it's going to be on the pod.

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Speaker 1: This one is from Laura Michelle, who is one of

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Speaker 1: our community members, and I know she's been a community

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Speaker 1: member since the group had like a thousand people in it. Really, yes,

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Speaker 1: I feel like I know a lot of people in

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Speaker 1: the community, even though you don't know them anyway. Laura's beautiful,

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Speaker 1: she always comments really great things. But her post was

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Speaker 1: most outrageous and all hilarious. Money win today, my dad

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Speaker 1: successfully redeemed Amaya voucher from two thousand and one, which

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Speaker 1: was nineteen years ago. He said the voucher was older

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Speaker 1: than the lady who served him. He was able to

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Speaker 1: successfully redeem it as it had no expiring date listed.

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Speaker 1: The young employee initially denied it, and then her manager

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Speaker 1: onored it, and he said he was equal parts amused

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Speaker 1: and proud. I love that me true. I just feel

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Speaker 1: like if you don't ask, you don't get. And that

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Speaker 1: is the perfect example of just having a crack.

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Speaker 2: Okay, so my money win is from Marinda who has

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Speaker 2: saved a bonce by buying her own Reformer bed. Now

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Speaker 2: it was five hundred bucks, but she's done the mass

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Speaker 2: and she's saving thousands of dollars, and I think that's

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Speaker 2: pretty cool. Forget the gym, you got your Reformer at home.

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Speaker 1: I literally love it. I love going to Reformer pilates.

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Speaker 1: But let's be honest, I haven't been to one class

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Speaker 1: since much do you want Let's be on It was

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Speaker 1: probably since like Fairbruary or something, but don't tell anyone,

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Speaker 1: but I love Reformer usually, and it's so expensive. It

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Speaker 1: can be like thirty five dollars a class at my

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Speaker 1: local studio not here for it, so.

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Speaker 2: Good on you, Marinda, very jealous. Now let's move across

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Speaker 2: to the main topic of today's show. Should money influence

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Speaker 2: your career choice?

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Speaker 1: Now?

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Speaker 2: I know this will be a particularly relevant episode for

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Speaker 2: listeners coming to the end of their high school years

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Speaker 2: and a deciding which courses or careers to start planning.

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Speaker 2: I think graduating UNI students are probably considering the next

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Speaker 2: step as well, so this will be kind of relevant.

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Speaker 2: But then moving down the line further, I think it's

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Speaker 2: a really relevant chat for people like me who are

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Speaker 2: a few years into their career and are questioning their

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Speaker 2: decision for financial reasons. A bit of storytime with George,

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Speaker 2: guys gather around. I always thought that money was secondary

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Speaker 2: to career fulfillment, but given that finances regularly sit on

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Speaker 2: top of the average Aussies list of worries, and that

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Speaker 2: salaries really aren't something that's covered in high school when

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Speaker 2: deciding your path, I think it's worth having a chat

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Speaker 2: to see if this is something that we actually should

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Speaker 2: be considering. And I'm very interested in picking Victoria's brain.

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Speaker 2: Sorry for this, I love this conversation and where else

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Speaker 2: going to kick us off? Victoria? Do you think the

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Speaker 2: whole If you do something you love, you'll never work

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Speaker 2: it day in your life. Thing actually has merit? Or

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Speaker 2: is it a bit airy fairy?

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Speaker 1: Georgia, You and I have spoken about this a lot privately,

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Speaker 1: but no, I don't think it is airy fairy at all.

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Speaker 1: But I do actually really want to start this conversation

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Speaker 1: by at first acknowledging the privileged position that we are

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Speaker 1: actually in to be able to have this conversation. Like,

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Speaker 1: you know, you and I are both very privileged. We

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Speaker 1: are middle class white women who have been afforded amazing opportunities,

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Speaker 1: and a lot of that is because of the privilege

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Speaker 1: we were actually born into. A lot of the conversations

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Speaker 1: we are actually about to head into today before we

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Speaker 1: even begin, may not actually be relevant to everybody, because

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Speaker 1: there are some of us who are just putting food

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Speaker 1: on the table, and do you know what? That is

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Speaker 1: so enough? That is so wonderful to be able to

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Speaker 1: be in that position. And I think that we really

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Speaker 1: need to say, Okay, well, this is a career episode

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Speaker 1: that we have been asked for and people are demanding

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Speaker 1: it from us and saying, look, Victoria, can you talk

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Speaker 1: about like money versus you know the job I have

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Speaker 1: and should I be picking it? And I want to

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Speaker 1: have this conversation, but I want to also really recognize

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Speaker 1: that this is a conversation that might not resonate with everybody.

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Speaker 1: It is absolutely not to make people feel as though

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Speaker 1: they aren't included, though, And I think that regardless of

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Speaker 1: what situation you're in, like this is a good conversation

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Speaker 1: to put yourself in a position where you can ask

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Speaker 1: for more and demand more and think about more and not.

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Speaker 1: You don't have to do something about this, but it's

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Speaker 1: something that you know you deserve to be involved in

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Speaker 1: the conversation, whether you can action change or not. You

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Speaker 1: deserve to be educated. And I think that that's where

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Speaker 1: we should be starting this conversation. Should we be.

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Speaker 2: Being more pragmatic in our career choices.

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Speaker 1: I genuinely don't believe in the quote if you do

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Speaker 1: something you love, you'll never work a day in your life.

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Speaker 1: Why because like, I feel really lucky to be having

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Speaker 1: this conversation right, like I am doing something that I love.

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Speaker 1: Like I don't just love what I do, I adore it.

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Speaker 1: Like everything about my job makes me really excited. And

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Speaker 1: I know that sounds really lame. If I look back

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Speaker 1: to myself in year eleven or twelve, I actually thought

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Speaker 1: I was going to be a surgeon. And the reason

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Speaker 1: I thought I was going to be a curtain was

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Speaker 1: because I've always been really motivated by success, like that

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Speaker 1: is something that I know exists and I put at

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Speaker 1: the forefront of what I do. Like if I'm going

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Speaker 1: to do something, I want to be really good at

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Speaker 1: that and I want to be known for being good

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Speaker 1: at that. And obviously that hasn't eventuated. Guys, I'm not

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Speaker 1: that insurgent. What we I know surprising, But I just

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Speaker 1: feel like I work so much. Yes, I love it,

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Speaker 1: but it doesn't mean I don't work. And I think

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Speaker 1: that the mentality of if you do something you love,

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Speaker 1: you'll never work. I work crazy hours. I you know,

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Speaker 1: I'm working weekends, I'm working holidays. I worked my entire birthday.

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Speaker 1: Am I upset about that?

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Speaker 4: No?

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Speaker 1: I love what I do, But I think it's just

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Speaker 1: a little bit eery fairy to say, oh, if you

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Speaker 1: do something, you'll never work a day in your life.

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Speaker 1: I think more, if you do something you love, you

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Speaker 1: will love the work that you do.

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Speaker 2: But it still works.

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Speaker 1: It's still works, like it is still work, And I

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Speaker 1: don't think that work in this sense is defined in

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Speaker 1: the right way, because work, to me is effort and

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Speaker 1: energy and time that you spend on things. It's not

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Speaker 1: just sitting behind a desk nine till five Monday to

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Speaker 1: Friday and just you slaving away to the man. I

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Speaker 1: think it's more about this is time and energy and

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Speaker 1: effort and things that you're putting in. If you love it,

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Speaker 1: you'll probably work more. So, George, I do think it

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Speaker 1: is quite eery fairy. But in saying that, I also

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Speaker 1: think it is so important to love what we do,

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Speaker 1: especially given that the average person will spend around ninety

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Speaker 1: thousand hours of their lives at work over the course

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Speaker 1: of their lifetimes. That's a lot of hours. So enjoying

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Speaker 1: what we do one hundred percent of the time is

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Speaker 1: something that we can work towards. But I think we

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Speaker 1: also need to be quite realistic about the fact that

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Speaker 1: we're not always going to love every single part of

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Speaker 1: our job. As a business owner, I obviously adore Shees

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Speaker 1: on the Money, and I adore my business seller and

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Speaker 1: my clients, and I'm very passionate about it. But I think,

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Speaker 1: you know, we need to have an open honest conversation

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Speaker 1: about salaries. And as much as I love something, if

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Speaker 1: this wasn't financially viable for me long term, I couldn't

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Speaker 1: sustain it because my passion would be worn away with

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Speaker 1: financial stress. My passion would be worn down by the

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Speaker 1: fact that I'm essentially slaving away and not having any

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Speaker 1: kind of return in terms of lifestyle or in terms

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Speaker 1: of time spent with family and friends. So I think

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Speaker 1: it's really important that we have something that we love

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Speaker 1: that we do. But let's be honest, we can't always

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Speaker 1: settle for minimum salary forever if that doesn't align to

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Speaker 1: our values and our life goals. Our life goals also

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Speaker 1: need to come into it, so when we talk about

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Speaker 1: it more deeply, naturally, having a larger salary is going

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Speaker 1: to be hugely beneficial. I'm not saying that everybody needs

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Speaker 1: a huge salary. What I'm saying is that it's a

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Speaker 1: head start and it really allows us more luxuries and choices. So, naturally, George,

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Speaker 1: having a large salary is obviously beneficial. If you make

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Speaker 1: the most of your large salary, it can really set

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Speaker 1: you up. But at the same time, a big salary

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Speaker 1: isn't the only way to create wealth. Yeah, and we've

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Speaker 1: gone through that Storck exactly, and I've gone over that

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Speaker 1: a million times. But I really think that when we're

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Speaker 1: taking career into consideration for the sake of everything, including

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Speaker 1: financial health. We're talking mental health, we're talking emotional energy,

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Speaker 1: we're talking you know, our family and friends, I think

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Speaker 1: finance does need to come into the conversations we're having

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Speaker 1: around career because as much as we can adore what

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Speaker 1: we're doing, is it going to be sustainable long term?

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Speaker 1: Are we going to be creating the lifestyles we want?

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Speaker 1: And is it going to be something that we can

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Speaker 1: actually look back on and say, gee, George, I'm really

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Speaker 1: glad I did that.

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Speaker 2: So when we're mapping out our careers, say we're in

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Speaker 2: year twelve and we're trying to decide if we want

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Speaker 2: to be a surgeon or we want to be a writer. Knowingly,

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Speaker 2: surgeons are going to earn a little bit more than writers,

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Speaker 2: to my knowledge, that's true.

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Speaker 1: But then there's outliers, like how much does JK. Rowlings?

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Speaker 2: She's done?

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Speaker 1: Alright, No, I mean, she's help my favorite person, but

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Speaker 1: she's obviously done well. So the outliers and like that's

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Speaker 1: a really good point. Some careers are going to pay

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Speaker 1: more than others, But when we look at it, is

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Speaker 1: that the outlier or is that the average?

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Speaker 2: Yeah? Exactly should you consider salary in those decisions?

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Speaker 1: I think that you should absolutely, George, when we're in

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Speaker 1: year twelve and we're at high school, we are often

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Speaker 1: not independent. We are often dependent on other people, and

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Speaker 1: we have these ideas of our lifestyle and the life

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Speaker 1: we're going to live and the type of career we're

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Speaker 1: going to have, and we don't actually take into consideration

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Speaker 1: the finances that will fund that lifestyle. So we might say, well,

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Speaker 1: when I grow up, I want to be in a

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Speaker 1: position where I travel overseas every single year that's actually

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Speaker 1: not financially viable for many people, and having a house

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Speaker 1: at twenty two exactly, and thought i'd be there exactly.

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Speaker 1: And you know, I look back at my life and like,

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Speaker 1: Whilst I have been incredibly lucky, and I'm really grateful

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Speaker 1: for the success that I've had and the businesses that

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Speaker 1: I've grown and get to be a part of, I'm

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Speaker 1: not where I thought I would be. I thought i'd

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Speaker 1: be married at twenty five and i'd have two children

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Speaker 1: before thirty, And you know, I'd own a couple of

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Speaker 1: houses and I was really success driven. I don't have

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Speaker 1: any of that. Ye I'm so happy, but I don't

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Speaker 1: have any of that. So I think that we have

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Speaker 1: this idea of what we want, but we didn't actually

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Speaker 1: have an understanding of the way we were going to

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Speaker 1: get there. Because if I had had someone set me

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Speaker 1: down and go, okay, well, if you're going to be

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Speaker 1: married by twenty five, this is the type of relationship

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Speaker 1: timeline you'd need. And if you're going to have kids,

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Speaker 1: these are the impacts of that, and you're going to

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Speaker 1: do this, this is what you would have needed to save.

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Speaker 1: I wasn't on that trajectory at all. I just wished

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Speaker 1: that that was the case. So I think it's really

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Speaker 1: important to be talking really honestly about things and what

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Speaker 1: does a salary mean? How much will that bring in?

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Speaker 1: If I have a salary of an entry level salary

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Speaker 1: of forty five thousand dollars and I'm working in media, well,

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Speaker 1: what's the trajectory of that. Am I going to be

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Speaker 1: on that salary forever? Or am I going to have

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Speaker 1: that double when I finish my grad program? So understanding

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Speaker 1: what that looks like at different life stages is really important,

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Speaker 1: not because I think you should be motivated by money,

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Speaker 1: but we are here saying you need to create a

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Speaker 1: lifestyle as well as having a job. And for some people,

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Speaker 1: lifestyle is more important than the role they do. And

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Speaker 1: I think that it's really important to note that you're

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Speaker 1: not defined by the job you do. You are not

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Speaker 1: your job, and if you see yourself as your job,

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Speaker 1: I think that we really need to think about what's

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Speaker 1: going on in the rest of your life.

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Speaker 2: But I think a lot of people feel like that.

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Speaker 1: Yeah, absolutely, and I guess I'm prime example. I feel

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Speaker 1: like I'm talking about myself a lot here, and I

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Speaker 1: would potentially define myself by my job and my salary.

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Speaker 1: But that's not who I am. That's not who I

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Speaker 1: am to my friends, it's not who I am to

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Speaker 1: my partner. It's not who I am when I go home.

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Speaker 1: And I think that that person who I am when

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Speaker 1: I'm with my friends and at home, she's really important

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Speaker 1: as well. And I think that she needs to stand

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Speaker 1: on her own two feet and be looked after by

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Speaker 1: Victi Cotoria who works. I think that both sides of

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Speaker 1: that coin need to be deeply looked at because we're

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Speaker 1: trying to be happy, and if we're not happy, what's

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Speaker 1: the point exactly? Okay, moving on to what we were talking

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Speaker 1: about a little bit earlier. Would you say that a

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Speaker 1: large salary doesn't necessarily equal wealth?

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Speaker 2: Have you seen that in your line of work?

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Speaker 1: One hundred percent? A large salary does not mean that

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Speaker 1: you have anything to show for it. Yeah, spoken about

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Speaker 1: it on the podcast before. I have clients who have

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Speaker 1: seven figure salaries and they don't have nearly as many

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Speaker 1: assets as some of my other clients who've just been

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Speaker 1: working really hard for their entire life. Don't get me wrong,

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Speaker 1: Like it's not common. But the important thing is that

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Speaker 1: you are maximizing your cash flow and that is what

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Speaker 1: is coming in that you can activate to create wealth.

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Speaker 1: That is not you know, oh, I have a million

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Speaker 1: ferraris and I'm you know, I don't know. Like people

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Speaker 1: put out this image. Yeah, and they're more than welcome

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Speaker 1: to purchase them. It's not saying that that's a bad

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Speaker 1: financial decision for them if it's in line with their values, goals, beliefs,

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Speaker 1: but it is a bad financial decision if they ultimately

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Speaker 1: want to create wealth and they're not funneling any of

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Speaker 1: their money or any of their cash flow into creating

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Speaker 1: assets that will help them be wealthy. So to me, no,

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Speaker 1: you don't have to have a massive salary to create wealth.

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Speaker 1: You have to have a very good understanding of financial

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Speaker 1: literacy and Georgia, that is exactly why we do what we.

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Speaker 2: Do exactly, And I think that also, like on the

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Speaker 2: other side of it, if you have a low salary

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Speaker 2: or an average salary, whatever it may be, that doesn't

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Speaker 2: mean you can't be wealthy as well.

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Speaker 1: Right, absolutely, Yeah, some of my wealthiest clients I think,

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Speaker 1: you know, I probably need to stop doing about my

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Speaker 1: clients in the podcast, but they actually really like it.

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Speaker 1: They're like, I knew you were talking about me the

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Speaker 1: other day. These guys are probably not going to listen.

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Speaker 1: So I've got two people who have recently retired and

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Speaker 1: actually in my online course Georgia that's going to come up.

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Speaker 1: I actually do like a little study on promise. I

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Speaker 1: got permission. I don't use their real names, and like

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Speaker 1: a fudge some of the numbers, so it's not so

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Speaker 1: you know so who they are, but they have I've

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Speaker 1: had an average salary, like a combined salary of less

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Speaker 1: than one hundred thousand dollars between them for their entire careers,

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Speaker 1: and because they have been investing over the long term,

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Speaker 1: they are retiring with an investment portfolio of about four

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Speaker 1: million dollars, and that is providing them with more than

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Speaker 1: enough income each and every single year to live a

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Speaker 1: lifestyle that is actually beyond what they've ever had. And

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Speaker 1: I have clients who have come to me and been

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Speaker 1: referred to me that need to retire, but they aren't

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Speaker 1: actually in a financial position to do so because they

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Speaker 1: don't have the cash flow available to them to create wealth,

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Speaker 1: and they didn't prioritize it early enough. So I think

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Speaker 1: it's really important to understand what it means when you say, oh,

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Speaker 1: you don't need a large salary to get wealthy, because

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Speaker 1: you often go victoria. You've got rocks in your head. Obviously,

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Speaker 1: if you have a large salary and you're allocating a

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Speaker 1: lot of that to wealth development, of course youh get

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Speaker 1: wealthy exactly massive headstart. Of course you are going to

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Speaker 1: get wealthier faster than someone with a lower salary. But

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Speaker 1: often with lifestyle creep, people don't actually make use of

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Speaker 1: the money that they have. They spend it on their lifestyle.

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Speaker 2: I think Another thing to note is that salaries aren't

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Speaker 2: our only source of income, right if we're doing silence.

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Speaker 1: Right exactly exactly. If you have a job that you

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Speaker 1: adore and the salary isn't what you need it to

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Speaker 1: be and you are really passionate about it, you can

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Speaker 1: always have a side hustle. You can have a side job.

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Speaker 1: I actually have a client who earns more from her

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Speaker 1: side hustle than she does from her annual salary. She yeah,

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Speaker 1: it's awesome, but that's because she set up a small

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Speaker 1: business on the side and she goes home at night

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Speaker 1: and hustles and packages she has candles. She packages up

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Speaker 1: her candles and goes to work every day. Absolutely adores it.

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Speaker 1: But she's making more money in her side hustle than

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Speaker 1: she is in her actual job. And some people would say, oh, right, well,

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Speaker 1: she doesn't have to have her actual job anymore. It's like, no,

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Speaker 1: she can have both. Yeah, you can enjoy both. A

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Speaker 1: side hustle doesn't necessarily have to turn into your full

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Speaker 1: time job. It can be the thing that enables you

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Speaker 1: to live the life you want. And that's exactly what

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Speaker 1: she's doing.

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Speaker 2: And we spoke a lot about that. Now, side Hustles

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Speaker 2: episode guys too if you're interested in going back to

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Speaker 2: that one. Okay, So salaries and maybe are not as

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Speaker 2: important as I had thought, which is a huge relief

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Speaker 2: because I was stressing out out of here as a

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Speaker 2: twenty six year old not earning what I thought I

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Speaker 2: would be, mainly again because I don't have an income.

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Speaker 1: So I mean, we need to be careful because guys,

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Speaker 1: let's be honest, she's obviously employed by she's on the

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Speaker 1: money as well, part time job, you know.

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Speaker 2: Okay, So what are the main things you think we

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Speaker 2: should be looking for when it comes to career?

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Speaker 1: So gee, I did a little bit of research before

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Speaker 1: we jumped into this pod Beautiful News Studio, and some

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Speaker 1: research conducted by SEK found that almost sixty percent of

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Speaker 1: Australians feel they've settled or that they're stuck in their

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Speaker 1: current careers, which is honestly a bit of a staggering

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Speaker 1: stat given how much time we spended our jobs.

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Speaker 2: Ninety thousand hours.

436
00:19:50,560 --> 00:19:53,080
Speaker 1: Yes, that's what we said before, which is why it's

437
00:19:53,119 --> 00:19:55,760
Speaker 1: so important to think about this. And I really think

438
00:19:55,800 --> 00:19:58,360
Speaker 1: that the main things we need to be considering here

439
00:19:58,680 --> 00:20:00,960
Speaker 1: is that you choose the industry read that you feel

440
00:20:01,040 --> 00:20:03,960
Speaker 1: most inspired by, and if that means that you're still

441
00:20:04,000 --> 00:20:06,959
Speaker 1: in school, embrace work experience. Talk to people about their

442
00:20:07,040 --> 00:20:09,880
Speaker 1: jobs and see what sparks that fire inside of you.

443
00:20:10,080 --> 00:20:12,959
Speaker 1: If you're at UNI, use the same principles. And if

444
00:20:13,000 --> 00:20:15,160
Speaker 1: you've already started your career, or you have a really

445
00:20:15,280 --> 00:20:18,119
Speaker 1: established career but you're not sure where you want to

446
00:20:18,160 --> 00:20:20,720
Speaker 1: go with it, seek out a mentor or someone who

447
00:20:20,720 --> 00:20:22,840
Speaker 1: you look up to who can help you on your path.

448
00:20:23,160 --> 00:20:25,560
Speaker 1: That is one thing that I had a mentor early on.

449
00:20:25,640 --> 00:20:28,240
Speaker 1: Tell me, like, the worst thing someone can say is no,

450
00:20:28,720 --> 00:20:30,480
Speaker 1: the amount of people And like, I'm not sure if

451
00:20:30,480 --> 00:20:32,359
Speaker 1: LinkedIn is going to love me talking about this or

452
00:20:32,359 --> 00:20:34,359
Speaker 1: the people on LinkedIn are going to love this. But

453
00:20:34,480 --> 00:20:38,280
Speaker 1: I have reached out to so many people on LinkedIn

454
00:20:38,359 --> 00:20:40,240
Speaker 1: and just said, hey, I've just had to read through

455
00:20:40,280 --> 00:20:43,280
Speaker 1: your profile. I would love to learn a little bit

456
00:20:43,320 --> 00:20:46,359
Speaker 1: more about where you've come from and where you've gone

457
00:20:46,359 --> 00:20:48,600
Speaker 1: and how you got there. Can I shout you a

458
00:20:48,680 --> 00:20:50,240
Speaker 1: coffee and we can have a chat.

459
00:20:50,520 --> 00:20:51,159
Speaker 2: And they go with it?

460
00:20:51,359 --> 00:20:54,159
Speaker 1: Yes, they did. So many people are so willing. I

461
00:20:54,160 --> 00:20:56,280
Speaker 1: mean LinkedIn is full of spam, so I think people

462
00:20:56,359 --> 00:21:00,720
Speaker 1: really welcome proper, honest human connection. And I think that

463
00:21:00,880 --> 00:21:04,080
Speaker 1: so many people are on LinkedIn to actually network, which

464
00:21:04,080 --> 00:21:07,080
Speaker 1: is what you're requesting to do. And so many people

465
00:21:07,119 --> 00:21:09,239
Speaker 1: were willing to catch up with me. And if they

466
00:21:09,280 --> 00:21:11,960
Speaker 1: said no, I just replied with a really polite message, Hey,

467
00:21:11,960 --> 00:21:13,760
Speaker 1: thank you so much for taking the time to get

468
00:21:13,800 --> 00:21:14,240
Speaker 1: back to me.

469
00:21:14,480 --> 00:21:16,520
Speaker 2: Let's probably be flattered as well.

470
00:21:16,359 --> 00:21:18,800
Speaker 1: Exactly, like, let's be a little bit psych on you

471
00:21:18,880 --> 00:21:22,880
Speaker 1: for a second. People love talking about themselves, so if

472
00:21:22,920 --> 00:21:26,520
Speaker 1: you invite them to the opportunity of sitting down and

473
00:21:26,600 --> 00:21:30,000
Speaker 1: talking about themselves, it's very likely that they are going

474
00:21:30,040 --> 00:21:32,359
Speaker 1: to say yes. And that's not a self centered or

475
00:21:32,359 --> 00:21:35,399
Speaker 1: an ego thing. People just inherently like talking about the

476
00:21:35,440 --> 00:21:38,359
Speaker 1: things they've achieved, especially if they feel like they're talking

477
00:21:38,359 --> 00:21:41,320
Speaker 1: to someone who's listening. So I think that it's really

478
00:21:41,359 --> 00:21:44,280
Speaker 1: important to seek out mentors. Like, I know, I love

479
00:21:44,400 --> 00:21:46,760
Speaker 1: exactly what I do, but do I know what I

480
00:21:46,800 --> 00:21:47,840
Speaker 1: want to be when I grow up?

481
00:21:48,040 --> 00:21:48,119
Speaker 4: No?

482
00:21:48,680 --> 00:21:51,280
Speaker 1: But I really want to learn from people around me

483
00:21:51,400 --> 00:21:53,560
Speaker 1: or reach out to people in industries. And I'm like, oh,

484
00:21:53,600 --> 00:21:55,359
Speaker 1: I didn't even consider that, Like what do you do?

485
00:21:55,440 --> 00:21:57,240
Speaker 1: How do you do it? I loved no more.

486
00:21:57,359 --> 00:21:59,959
Speaker 2: And people also love helping, Yes, exactly.

487
00:22:00,480 --> 00:22:02,960
Speaker 1: People are nice, Like I think we don't give people

488
00:22:03,080 --> 00:22:05,800
Speaker 1: enough credit. Like the world is right now, probably not

489
00:22:05,880 --> 00:22:08,040
Speaker 1: the nicest place to be, but there are so many

490
00:22:08,040 --> 00:22:10,440
Speaker 1: beautiful people in the world who are willing to help,

491
00:22:10,480 --> 00:22:12,679
Speaker 1: and I think that if you would like to connect

492
00:22:12,760 --> 00:22:14,680
Speaker 1: with them, you actually have to be open to connecting

493
00:22:14,720 --> 00:22:16,399
Speaker 1: with them as well. And I know a lot of

494
00:22:16,400 --> 00:22:19,960
Speaker 1: people who I have mentored, and I've spoken about maybe

495
00:22:19,960 --> 00:22:23,040
Speaker 1: we should have, you know, another podcast on mentoring or something,

496
00:22:23,119 --> 00:22:25,879
Speaker 1: because I have a lot of people reach out to

497
00:22:25,880 --> 00:22:28,320
Speaker 1: me and ask about my career and my pathway and

498
00:22:28,320 --> 00:22:30,000
Speaker 1: what I've done, and you know, how do I get

499
00:22:30,040 --> 00:22:32,680
Speaker 1: where you are? Victoria? I want to be a financial advisor,

500
00:22:33,040 --> 00:22:35,959
Speaker 1: and I haven't taken a clear pathway. I haven't you know,

501
00:22:36,080 --> 00:22:39,600
Speaker 1: gone streamline through the entire finance pathway that a lot

502
00:22:39,600 --> 00:22:42,560
Speaker 1: of people take. I've kind of like sideboard in and

503
00:22:42,800 --> 00:22:46,200
Speaker 1: done psych and then did science, and like nothing made

504
00:22:46,280 --> 00:22:48,600
Speaker 1: sense with the way that my career has come together.

505
00:22:48,960 --> 00:22:51,119
Speaker 1: But I feel like it has come together in a

506
00:22:51,160 --> 00:22:53,959
Speaker 1: way that I love because I have had such a

507
00:22:54,080 --> 00:22:57,399
Speaker 1: positive network of people around me who have motivated me

508
00:22:57,560 --> 00:23:00,399
Speaker 1: and encouraged me to apply for things that I think

509
00:23:00,400 --> 00:23:03,320
Speaker 1: we're even possible, and Georgia, I think the last thing

510
00:23:03,359 --> 00:23:06,879
Speaker 1: to say there is play to your strengths. Choose the

511
00:23:06,880 --> 00:23:09,360
Speaker 1: field where you can bring something to the table. If

512
00:23:09,400 --> 00:23:11,439
Speaker 1: you know that you're a really strong writer, like you

513
00:23:11,480 --> 00:23:15,000
Speaker 1: are Georgia King, but that you can't see yourself as

514
00:23:15,040 --> 00:23:17,040
Speaker 1: a journalist, then maybe can sit out an avenue of

515
00:23:17,080 --> 00:23:20,680
Speaker 1: like copywriting or the communications industry. A little bit more broadly,

516
00:23:21,080 --> 00:23:23,760
Speaker 1: if you are an amazing artist but the path seems

517
00:23:23,800 --> 00:23:26,600
Speaker 1: a little bit too difficult to navigate, then why don't

518
00:23:26,640 --> 00:23:28,280
Speaker 1: you have a bit of a think about putting those

519
00:23:28,280 --> 00:23:30,960
Speaker 1: skills into being like an art teacher or maybe even

520
00:23:30,960 --> 00:23:33,840
Speaker 1: an art therapist. Like there are so many different things,

521
00:23:33,840 --> 00:23:35,440
Speaker 1: and I think that if you start doing a bit

522
00:23:35,440 --> 00:23:38,480
Speaker 1: of research, you'll be able to see the different opportunities

523
00:23:38,520 --> 00:23:40,879
Speaker 1: aligned to the skill set that you have and enjoy.

524
00:23:41,240 --> 00:23:43,399
Speaker 1: So just do your research and see where you can

525
00:23:43,440 --> 00:23:46,880
Speaker 1: imagine yourself ending up and find creative ways to get there.

526
00:23:47,040 --> 00:23:49,720
Speaker 1: University is not always the right route for everybody.

527
00:23:49,760 --> 00:23:53,359
Speaker 2: On TAP courses are amazing, and work experience, there's a

528
00:23:53,400 --> 00:23:56,120
Speaker 2: lot of different ways. Union is not the only way.

529
00:23:55,920 --> 00:23:58,720
Speaker 1: And arguably I have learnt much more on the job

530
00:23:58,800 --> 00:24:01,280
Speaker 1: and from my mentors and the people I have worked

531
00:24:01,280 --> 00:24:04,480
Speaker 1: with than I have from the university degrees that I've done.

532
00:24:04,520 --> 00:24:06,760
Speaker 2: I think a lot of us would say that. All right,

533
00:24:07,000 --> 00:24:08,520
Speaker 2: So now I'm going to steer us in a little

534
00:24:08,520 --> 00:24:10,639
Speaker 2: bit of a different direction, if I may. What do

535
00:24:10,680 --> 00:24:12,840
Speaker 2: we do if our mate is earning forty grand more

536
00:24:12,880 --> 00:24:15,320
Speaker 2: than us with the same age, she's in a different industry,

537
00:24:15,480 --> 00:24:16,239
Speaker 2: but she's killing it.

538
00:24:16,320 --> 00:24:20,719
Speaker 1: Georgia King, have you listened to the podcasts we've created? Yeah, look, okay,

539
00:24:20,840 --> 00:24:24,439
Speaker 1: all right, so don't compare yourself. Cut it out. I

540
00:24:24,440 --> 00:24:27,720
Speaker 1: feel like it is so destructive. Stay in your lane

541
00:24:27,760 --> 00:24:30,760
Speaker 1: and on your own journey. And we always say on

542
00:24:30,800 --> 00:24:33,280
Speaker 1: the podcast, and like everybody else says it too. It's

543
00:24:33,320 --> 00:24:36,760
Speaker 1: not just me coin this, but comparison is absolutely the

544
00:24:36,800 --> 00:24:40,000
Speaker 1: thief of joy. And you will literally always find someone

545
00:24:40,000 --> 00:24:42,160
Speaker 1: out there regardless of who you are. I don't care

546
00:24:42,160 --> 00:24:44,480
Speaker 1: if your Oprah. You're going to see someone out there

547
00:24:44,480 --> 00:24:47,520
Speaker 1: who seems more successful in some way, who earns more

548
00:24:47,520 --> 00:24:50,360
Speaker 1: money than you, who's winning awards, et cetera, et cetera,

549
00:24:50,400 --> 00:24:53,119
Speaker 1: et cetera. At the least can literally go on. But

550
00:24:53,200 --> 00:24:56,439
Speaker 1: I cannot stress enough the moment we stop comparing is

551
00:24:56,480 --> 00:24:59,119
Speaker 1: the moment, we can actually just focus on ourselves and

552
00:24:59,200 --> 00:25:01,520
Speaker 1: a major weight will be taken off your shoulders, Like

553
00:25:01,560 --> 00:25:04,439
Speaker 1: you don't need to carry the weight of somebody else's

554
00:25:04,520 --> 00:25:07,439
Speaker 1: world on your shoulders when you're carrying your own, Like

555
00:25:07,520 --> 00:25:10,640
Speaker 1: that's heavy enough for you, Georgia. I also think it's

556
00:25:10,720 --> 00:25:13,359
Speaker 1: really important to remember that salaries are not everything. Like

557
00:25:13,400 --> 00:25:17,080
Speaker 1: I've said this before literally on this podcast. Hearing a

558
00:25:17,119 --> 00:25:20,320
Speaker 1: dollar figure someone else earns might make you feel awful,

559
00:25:20,400 --> 00:25:23,080
Speaker 1: but it really shouldn't. You don't know their story, you

560
00:25:23,080 --> 00:25:25,120
Speaker 1: don't know their struggles. You don't know what they've been through.

561
00:25:25,160 --> 00:25:28,120
Speaker 1: You also don't know what they've gone above and beyond

562
00:25:28,119 --> 00:25:30,480
Speaker 1: to do to achieve that. Yeah, and I think by

563
00:25:30,520 --> 00:25:34,320
Speaker 1: comparing your journey to theirs, it doesn't serve you. Put

564
00:25:34,320 --> 00:25:36,240
Speaker 1: it to the side, put it in the bin. Honestly,

565
00:25:36,320 --> 00:25:39,199
Speaker 1: it is not constructive, Georgia. If you're putting yourself in

566
00:25:39,200 --> 00:25:41,400
Speaker 1: a position where you are saying, I feel bad about

567
00:25:41,400 --> 00:25:44,040
Speaker 1: myself because somebody else earns more money than me, you

568
00:25:44,119 --> 00:25:45,480
Speaker 1: are discrediting yourself.

569
00:25:45,560 --> 00:25:46,760
Speaker 2: Well, and it's also not about them.

570
00:25:46,760 --> 00:25:49,239
Speaker 1: It's about you, right exactly, And you're making it about you.

571
00:25:49,280 --> 00:25:50,919
Speaker 1: It has nothing to do with you. You're on your

572
00:25:50,920 --> 00:25:52,960
Speaker 1: own journey. You're achieving your own things and you're a

573
00:25:52,960 --> 00:25:56,480
Speaker 1: bloody legend. Oh thanks, no worries, But like, it really

574
00:25:56,680 --> 00:26:00,639
Speaker 1: upsets me that people compare themselves so often to their friends.

575
00:26:00,640 --> 00:26:02,160
Speaker 1: And I know there are going to be some people

576
00:26:02,200 --> 00:26:04,719
Speaker 1: listening to this and they go, Victoria, look here, I

577
00:26:04,800 --> 00:26:07,639
Speaker 1: really do. But my friend and I are exactly the

578
00:26:07,640 --> 00:26:10,439
Speaker 1: same age, we did the same university degree, and she

579
00:26:10,520 --> 00:26:13,600
Speaker 1: earns more than me, and you know, arguably we have

580
00:26:13,720 --> 00:26:16,640
Speaker 1: exactly the same skill set, and you know what it happens. Yeah,

581
00:26:16,640 --> 00:26:18,959
Speaker 1: I think you need to also understand your worth and

582
00:26:19,119 --> 00:26:21,760
Speaker 1: know when to speak up. If you've got an employer

583
00:26:21,760 --> 00:26:24,240
Speaker 1: that's not paying you what you're worth, have a conversation.

584
00:26:24,440 --> 00:26:28,440
Speaker 1: We did one on salaries and you know, discussing negotiations.

585
00:26:28,720 --> 00:26:31,240
Speaker 1: But I think that is really important to know your worth.

586
00:26:31,560 --> 00:26:34,120
Speaker 1: And it's also really important to just not compare your

587
00:26:34,160 --> 00:26:37,000
Speaker 1: worth to the worth of somebody else's, because you're discrediting

588
00:26:37,040 --> 00:26:37,400
Speaker 1: your own.

589
00:26:37,800 --> 00:26:40,800
Speaker 2: Another point as well, is that life is long. Just

590
00:26:40,840 --> 00:26:42,960
Speaker 2: offering a little bit of life advice for everyone out there.

591
00:26:44,400 --> 00:26:47,000
Speaker 2: Life is long, and you're going to be in front

592
00:26:47,000 --> 00:26:50,040
Speaker 2: sometimes sometimes going to be hind. Same goes with your

593
00:26:50,040 --> 00:26:52,600
Speaker 2: friends like you don't, I don't know, just kind of

594
00:26:52,600 --> 00:26:55,320
Speaker 2: appreciating that we're all going to be in different places

595
00:26:55,320 --> 00:26:57,040
Speaker 2: at different times exactly, you know what I mean. I

596
00:26:57,080 --> 00:26:58,320
Speaker 2: don't know why that was very articulate.

597
00:26:59,000 --> 00:27:03,159
Speaker 1: No, but all right, No, but Georgia, I kind of

598
00:27:03,200 --> 00:27:05,679
Speaker 1: love it because it makes sense, and I feel like

599
00:27:05,800 --> 00:27:09,159
Speaker 1: we need to hear these things. Like so often we

600
00:27:09,200 --> 00:27:12,360
Speaker 1: see quotes on Instagram and we see pictures pop up

601
00:27:12,400 --> 00:27:14,600
Speaker 1: that say, don't compare your journey to that of others,

602
00:27:14,640 --> 00:27:17,000
Speaker 1: and you go, yeah, okay, scroll on. But if you're

603
00:27:17,000 --> 00:27:19,800
Speaker 1: in this position to stop it doesn't serve you. Put

604
00:27:19,840 --> 00:27:23,040
Speaker 1: your phone down, stop engaging in behaviors and comparisons that

605
00:27:23,160 --> 00:27:25,600
Speaker 1: just make you feel bad about yourself. You're an awesome

606
00:27:25,640 --> 00:27:27,800
Speaker 1: person and you're on your own journey and the only

607
00:27:27,840 --> 00:27:28,920
Speaker 1: way you can go is up.

608
00:27:29,119 --> 00:27:31,920
Speaker 2: Are there any other strategies you'd have for avoiding comparison?

609
00:27:32,400 --> 00:27:34,879
Speaker 1: Good question, and I feel like I've given a few.

610
00:27:35,240 --> 00:27:37,920
Speaker 1: But I think we actually also really need to be

611
00:27:38,040 --> 00:27:40,119
Speaker 1: back to social media for a second. We really need

612
00:27:40,160 --> 00:27:42,159
Speaker 1: to be mindful of who we are following on social

613
00:27:42,200 --> 00:27:46,240
Speaker 1: media and how that makes us feel. So not only

614
00:27:46,240 --> 00:27:48,679
Speaker 1: with career stuff body I mentioned and all of that

615
00:27:48,760 --> 00:27:51,280
Speaker 1: other stuff. Really, just start taking note of how you

616
00:27:51,320 --> 00:27:54,040
Speaker 1: react to certain posts and just really ask yourself why

617
00:27:54,080 --> 00:27:56,119
Speaker 1: you follow the people that you follow, Like there is

618
00:27:56,240 --> 00:27:59,480
Speaker 1: absolutely no reason in this entire world for you to

619
00:27:59,520 --> 00:28:02,199
Speaker 1: feel in it to quit. Follow the people who inspire you.

620
00:28:02,320 --> 00:28:05,200
Speaker 1: Do research and just see what they're up to. If

621
00:28:05,240 --> 00:28:07,880
Speaker 1: you know you're striving for something, follow people who are

622
00:28:07,920 --> 00:28:11,119
Speaker 1: also striving with you, Like we are stronger together. We

623
00:28:11,160 --> 00:28:13,199
Speaker 1: don't need to be following people who don't make us

624
00:28:13,240 --> 00:28:13,840
Speaker 1: feel that way.

625
00:28:17,600 --> 00:28:20,119
Speaker 2: Hi, there, you've preached the Shoes on the Money mailbox.

626
00:28:20,200 --> 00:28:22,080
Speaker 2: Do you have a money problem you want help solving.

627
00:28:22,119 --> 00:28:23,680
Speaker 2: Do you have a money dilemma you just want to

628
00:28:23,760 --> 00:28:26,840
Speaker 2: chat about? Victoria is here to help. Every week we'll

629
00:28:26,840 --> 00:28:28,760
Speaker 2: be playing your questions to help make sense of a

630
00:28:28,760 --> 00:28:30,760
Speaker 2: money mess you may have found yourself in. Make a

631
00:28:30,800 --> 00:28:32,679
Speaker 2: quick recording on your phone and send it through to

632
00:28:32,760 --> 00:28:35,480
Speaker 2: podcast at Shoesodemoney dot com dot you and you might

633
00:28:35,520 --> 00:28:38,040
Speaker 2: even find yourself on the show. But for now here,

634
00:28:38,160 --> 00:28:39,480
Speaker 2: Today's listener question.

635
00:28:40,160 --> 00:28:43,400
Speaker 3: Hello lovelies, just after a bit of advice. I'm in

636
00:28:43,400 --> 00:28:45,840
Speaker 3: my thirties now and have been in marketing since I

637
00:28:45,920 --> 00:28:48,600
Speaker 3: left UNI. I've worked my way up to a really

638
00:28:48,600 --> 00:28:51,640
Speaker 3: great position and now a marketing manager earning one hundred

639
00:28:51,680 --> 00:28:55,640
Speaker 3: and fifty k a year, which affords me an amazing lifestyle. However,

640
00:28:56,200 --> 00:28:58,360
Speaker 3: I've really lost a passion for my job and I'm

641
00:28:58,360 --> 00:29:01,280
Speaker 3: thinking about throwing it in and doing something else. Obviously,

642
00:29:01,320 --> 00:29:03,920
Speaker 3: this will mean sacrificing my amazing income, and as a

643
00:29:03,960 --> 00:29:06,440
Speaker 3: single woman, I do find that a little bit daunting.

644
00:29:06,800 --> 00:29:09,320
Speaker 3: I'd love any advice from you, Victoria, about what you

645
00:29:09,360 --> 00:29:10,360
Speaker 3: would do if you were me.

646
00:29:10,760 --> 00:29:13,640
Speaker 2: Thanks thoughts, Victoria Georgia.

647
00:29:13,720 --> 00:29:16,240
Speaker 1: I think this is a really important question because it's

648
00:29:16,280 --> 00:29:18,880
Speaker 1: one that I've heard before, and it's something that a

649
00:29:18,880 --> 00:29:20,360
Speaker 1: lot of you are going to think. But she earns

650
00:29:20,360 --> 00:29:23,200
Speaker 1: one hundred and fifty thousand dollars, shouldn't she be happy? No,

651
00:29:23,520 --> 00:29:26,160
Speaker 1: money doesn't buy happiness, since she's found something that she's

652
00:29:26,200 --> 00:29:28,800
Speaker 1: really interested in, and I would love to think that

653
00:29:28,840 --> 00:29:31,400
Speaker 1: she could transition into a career that she goes to

654
00:29:31,440 --> 00:29:33,640
Speaker 1: work every day in her doors. So I think one

655
00:29:33,680 --> 00:29:36,520
Speaker 1: option for her is studying while working. So don't just

656
00:29:36,600 --> 00:29:39,200
Speaker 1: quit your job and go and try and get another one.

657
00:29:39,400 --> 00:29:41,840
Speaker 1: Start learning and trying to understand the industry that you're

658
00:29:41,840 --> 00:29:44,920
Speaker 1: going to be breaking into. So once you do decide

659
00:29:44,920 --> 00:29:47,520
Speaker 1: to make the jump. You're fully qualified for whatever you need.

660
00:29:47,840 --> 00:29:50,880
Speaker 1: This would only be advisable if you're completely miserable and

661
00:29:50,960 --> 00:29:55,080
Speaker 1: have some savings to lene on. Okay, sorry I read

662
00:29:55,080 --> 00:29:57,880
Speaker 1: the wrong thing, but yes, studying while working is really good.

663
00:29:57,880 --> 00:30:00,560
Speaker 1: It's what I did to get into finance because I

664
00:30:00,600 --> 00:30:03,320
Speaker 1: couldn't quit my job. I genuinely couldn't afford to step

665
00:30:03,360 --> 00:30:05,720
Speaker 1: out of the role that I had and into another one,

666
00:30:06,120 --> 00:30:09,440
Speaker 1: or even into studying full time. I also think work

667
00:30:09,520 --> 00:30:12,560
Speaker 1: experience is a really good one, so volunteering maybe there's

668
00:30:12,560 --> 00:30:15,960
Speaker 1: something you can do on the weekends or after work. Arguably,

669
00:30:16,000 --> 00:30:19,080
Speaker 1: you could also negotiate with your employer to maybe go

670
00:30:19,080 --> 00:30:21,120
Speaker 1: to work one day less a week or one day

671
00:30:21,160 --> 00:30:23,320
Speaker 1: less a month, so you can take that time to

672
00:30:23,400 --> 00:30:26,880
Speaker 1: really volunteer in something you love. Whilst it is not

673
00:30:27,040 --> 00:30:30,040
Speaker 1: what she's asking me, I also think it's really powerful

674
00:30:30,320 --> 00:30:33,320
Speaker 1: to potentially even consider keeping the role she has but

675
00:30:33,520 --> 00:30:36,040
Speaker 1: working in a part time capacity so she can still

676
00:30:36,080 --> 00:30:39,520
Speaker 1: have a somewhat stable income while also engaging in a

677
00:30:39,600 --> 00:30:43,120
Speaker 1: role that she adores. Look ultimately, I don't want to

678
00:30:43,120 --> 00:30:46,160
Speaker 1: give her advice, but I'm all for making change and

679
00:30:46,240 --> 00:30:48,800
Speaker 1: doing what you love. Honestly you said it before. Gee,

680
00:30:48,960 --> 00:30:51,360
Speaker 1: life is a far too short so sticking around in

681
00:30:51,400 --> 00:30:53,640
Speaker 1: a career that you know you don't love is a

682
00:30:53,640 --> 00:30:54,240
Speaker 1: bad idea.

683
00:30:54,400 --> 00:30:56,000
Speaker 2: Nine two thousand hours people.

684
00:30:55,880 --> 00:30:58,480
Speaker 1: Yeah, like that's your only stat this week, isn't it?

685
00:30:58,560 --> 00:31:01,200
Speaker 1: Statscal But yeah, look at the end of the day,

686
00:31:01,200 --> 00:31:04,600
Speaker 1: I think it's really important to just research, research, research,

687
00:31:04,720 --> 00:31:07,720
Speaker 1: and also follow your heart. Like I'm not saying chug

688
00:31:07,800 --> 00:31:10,800
Speaker 1: it a toweling, yeah, thank you, no, but I'm not

689
00:31:10,840 --> 00:31:13,880
Speaker 1: saying chuck the toweling completely. But I'm saying, just like,

690
00:31:14,000 --> 00:31:16,560
Speaker 1: follow it, understand it, have a look around at what

691
00:31:16,600 --> 00:31:19,680
Speaker 1: you can actually engage in to potentially keep the income

692
00:31:19,680 --> 00:31:21,760
Speaker 1: there for as long as possible. If you have a

693
00:31:21,800 --> 00:31:24,280
Speaker 1: really great income, I think it's important to also make hey,

694
00:31:24,280 --> 00:31:27,000
Speaker 1: while the sun is shiny, like are you investing it?

695
00:31:27,160 --> 00:31:29,560
Speaker 1: Are you using it wisely? Is right now the best

696
00:31:29,600 --> 00:31:32,880
Speaker 1: time to jump plan your exit of that industry? Don't

697
00:31:32,920 --> 00:31:35,880
Speaker 1: just quit up and run plan it go Okay, no problems.

698
00:31:35,880 --> 00:31:37,720
Speaker 1: If I am going to do this, like, let's work

699
00:31:37,760 --> 00:31:39,720
Speaker 1: towards it. Let's make sure it's something I really want

700
00:31:39,760 --> 00:31:42,280
Speaker 1: to do, but also study part time so when you

701
00:31:42,360 --> 00:31:44,000
Speaker 1: do leave, you can hit the ground running.

702
00:31:44,080 --> 00:31:48,000
Speaker 2: Love that. In terms of structuring your finances from a

703
00:31:48,000 --> 00:31:50,080
Speaker 2: pay decrease, how does she go about that?

704
00:31:50,320 --> 00:31:52,760
Speaker 1: That's a really good question to follow up with, actually, Georgia,

705
00:31:52,800 --> 00:31:55,880
Speaker 1: and I'm glad that we are covering it. First things first,

706
00:31:56,000 --> 00:31:58,520
Speaker 1: if you are going to be operating on a lower budget,

707
00:31:58,920 --> 00:32:02,720
Speaker 1: start operate on that lower budget today. So work out

708
00:32:02,720 --> 00:32:06,680
Speaker 1: what that income would be and start living within those means,

709
00:32:06,960 --> 00:32:09,120
Speaker 1: because you'll be ready once you do take the step

710
00:32:09,160 --> 00:32:12,320
Speaker 1: into a lower pay grade. So adjust your budget now,

711
00:32:12,480 --> 00:32:15,800
Speaker 1: plan right now, and make that change gradually. Because if

712
00:32:15,840 --> 00:32:18,600
Speaker 1: she's going from one hundred and fifty thousand dollars to

713
00:32:18,680 --> 00:32:21,640
Speaker 1: working in disability services, that is massive. Like we're not

714
00:32:21,720 --> 00:32:24,600
Speaker 1: talking about losing ten thousand dollars. We are talking about

715
00:32:24,640 --> 00:32:27,160
Speaker 1: losing a lot of salary. So I think it's important

716
00:32:27,200 --> 00:32:30,160
Speaker 1: to start making changes now. Really look at your budget now,

717
00:32:30,240 --> 00:32:32,360
Speaker 1: what can you cut out? What is your new budget

718
00:32:32,400 --> 00:32:34,720
Speaker 1: going to look like? Will you feasibly be able to

719
00:32:34,760 --> 00:32:37,320
Speaker 1: survive on that new budget? And just maybe have a

720
00:32:37,360 --> 00:32:40,600
Speaker 1: look for other avenues for making extra cash, Like what

721
00:32:40,640 --> 00:32:42,880
Speaker 1: can you do? Are you going to work part time?

722
00:32:43,040 --> 00:32:45,120
Speaker 1: Are you going to you know, get a weekend job

723
00:32:45,160 --> 00:32:47,880
Speaker 1: so that you can do this many people start lots

724
00:32:47,880 --> 00:32:50,080
Speaker 1: of online businesses. I'm not saying that you have to

725
00:32:50,160 --> 00:32:52,920
Speaker 1: do this, but have a think about what your future

726
00:32:52,960 --> 00:32:56,200
Speaker 1: financial situation will be and start trying to live within

727
00:32:56,240 --> 00:32:57,840
Speaker 1: those means as soon as possible.

728
00:33:01,360 --> 00:33:04,160
Speaker 4: Hi, I'm the twenty five year old super Saver and

729
00:33:04,440 --> 00:33:05,640
Speaker 4: here's my money diary.

730
00:33:05,800 --> 00:33:08,080
Speaker 2: Today's money diary is from the twenty five year old

731
00:33:08,160 --> 00:33:10,720
Speaker 2: super Saver. We started off by asking her about her

732
00:33:10,760 --> 00:33:11,640
Speaker 2: attitude to money.

733
00:33:11,720 --> 00:33:16,920
Speaker 4: I've always probably been on the stingy side of money,

734
00:33:17,160 --> 00:33:19,880
Speaker 4: and I'm very conscious about that every day spending and

735
00:33:20,160 --> 00:33:23,920
Speaker 4: adding up. My parents were together until I was about

736
00:33:23,920 --> 00:33:27,240
Speaker 4: eleven or twelve, and then they got divorced, and I

737
00:33:27,280 --> 00:33:30,440
Speaker 4: think it was interesting seeing my mum move from someone

738
00:33:30,520 --> 00:33:34,000
Speaker 4: who she's always worked full time but still didn't really

739
00:33:34,240 --> 00:33:36,880
Speaker 4: do everything with money, to us all living together in

740
00:33:36,880 --> 00:33:39,960
Speaker 4: one house and watching that change. Growing up. If we

741
00:33:40,000 --> 00:33:42,320
Speaker 4: wanted something, we wouldn't just get it straight away, but

742
00:33:42,960 --> 00:33:45,200
Speaker 4: she was able to give us some steps towards earning it,

743
00:33:45,600 --> 00:33:47,400
Speaker 4: or whether it was like, no, you have to wait

744
00:33:47,440 --> 00:33:49,680
Speaker 4: to your birthday or Christmas. So I wouldn't say we

745
00:33:49,680 --> 00:33:52,520
Speaker 4: were super. We were never allowed anything, but we were

746
00:33:52,560 --> 00:33:55,320
Speaker 4: also not just given everything straight away, and then I

747
00:33:55,360 --> 00:33:57,440
Speaker 4: guess that is something that I want to be pretty

748
00:33:57,520 --> 00:34:00,640
Speaker 4: aware of what money I'm earning, where it's going, and

749
00:34:00,760 --> 00:34:02,880
Speaker 4: being in control of that side of things.

750
00:34:03,120 --> 00:34:05,280
Speaker 2: Let's get into the juicy stuff. How much does she

751
00:34:05,360 --> 00:34:07,320
Speaker 2: earn and how much is sitting in her bank account

752
00:34:07,400 --> 00:34:07,840
Speaker 2: right now?

753
00:34:08,040 --> 00:34:12,000
Speaker 4: So I am a occupation of therapist and I earn

754
00:34:12,320 --> 00:34:16,720
Speaker 4: around seventy five thousand per year. I have three hundred

755
00:34:16,760 --> 00:34:20,120
Speaker 4: dollars in what I would call my spending account and

756
00:34:20,160 --> 00:34:24,239
Speaker 4: then forty thousand in my savings.

757
00:34:23,800 --> 00:34:26,680
Speaker 2: And what exactly happens to that money after it's deposited

758
00:34:26,719 --> 00:34:27,520
Speaker 2: into her account.

759
00:34:27,920 --> 00:34:31,480
Speaker 4: I'm lucky enough that in my industry I can salary sacrifice,

760
00:34:31,520 --> 00:34:34,240
Speaker 4: so I do get paid one money that's been taxed

761
00:34:34,280 --> 00:34:37,319
Speaker 4: and one money that hasn't, which does impact my take

762
00:34:37,360 --> 00:34:40,319
Speaker 4: home pay really well. So when it comes in, I

763
00:34:40,520 --> 00:34:45,760
Speaker 4: have automated savings, so I automatically pay about four hundred

764
00:34:45,760 --> 00:34:49,600
Speaker 4: and fifty dollars of rent. Then I send total it's

765
00:34:49,640 --> 00:34:53,680
Speaker 4: about one thousand dollars into savings, but that is split

766
00:34:53,800 --> 00:34:57,120
Speaker 4: up into different bank accounts, so I have flat one

767
00:34:57,120 --> 00:35:01,239
Speaker 4: for my house savings, one for share, one for a

768
00:35:01,280 --> 00:35:04,879
Speaker 4: safety account, and then one for like holidays or other

769
00:35:05,080 --> 00:35:08,879
Speaker 4: more fun stuff, and then I send three hundred dollars

770
00:35:08,960 --> 00:35:11,960
Speaker 4: into what I call my like no guilt spending account.

771
00:35:12,040 --> 00:35:13,600
Speaker 4: So that's an account that if I want to go

772
00:35:13,920 --> 00:35:18,120
Speaker 4: out to brunch or buy some new clothes or coffee,

773
00:35:18,160 --> 00:35:20,719
Speaker 4: whatever I want to do, that money is there, so

774
00:35:20,760 --> 00:35:24,080
Speaker 4: then I don't feel guilty that I'm spending my savings.

775
00:35:24,400 --> 00:35:26,759
Speaker 2: How does she feel about investing? Does she invest? And

776
00:35:26,800 --> 00:35:28,440
Speaker 2: if so, how, Yes?

777
00:35:28,520 --> 00:35:32,960
Speaker 4: So investing something I started again probably about twelve months ago.

778
00:35:33,239 --> 00:35:36,760
Speaker 4: At the moment, I just I have about maybe share

779
00:35:36,760 --> 00:35:39,600
Speaker 4: markets not doing great, but about seven thousand dollars of

780
00:35:39,840 --> 00:35:44,600
Speaker 4: just single company shares. It is something that I hopefully

781
00:35:44,719 --> 00:35:49,360
Speaker 4: will continue to grow, whether I look into doing ETFs

782
00:35:49,440 --> 00:35:52,720
Speaker 4: or keep going with just purchasing some single money shares

783
00:35:52,840 --> 00:35:56,040
Speaker 4: and I have them set up to dividend reinvestments, so

784
00:35:56,120 --> 00:35:58,040
Speaker 4: when I get a dividend, instead of it coming to me,

785
00:35:58,200 --> 00:36:00,560
Speaker 4: it goes back into my shares, so that share portfolio

786
00:36:00,680 --> 00:36:03,239
Speaker 4: can just sort of keep growing without me having to

787
00:36:03,320 --> 00:36:04,360
Speaker 4: do too much.

788
00:36:04,719 --> 00:36:06,920
Speaker 2: What about debt, Let's learn a little bit more about

789
00:36:06,920 --> 00:36:09,040
Speaker 2: her credit card and personal loans. A.

790
00:36:09,200 --> 00:36:12,480
Speaker 4: None except for my hex step, which is about I

791
00:36:12,600 --> 00:36:15,520
Speaker 4: checked it just before thirty two thousand, so I haven't

792
00:36:15,520 --> 00:36:18,359
Speaker 4: paid a whole heap of that. Personally, I'm happy for

793
00:36:18,400 --> 00:36:21,560
Speaker 4: that to just get paid off as I continue to

794
00:36:21,600 --> 00:36:24,799
Speaker 4: earn money. It does sort of scare me a little

795
00:36:24,800 --> 00:36:27,880
Speaker 4: bit when I open my gove and see the amount,

796
00:36:28,080 --> 00:36:31,600
Speaker 4: but I've been working for four years now and I

797
00:36:31,640 --> 00:36:34,160
Speaker 4: have seen it start to go down, so I'm feeling

798
00:36:34,200 --> 00:36:36,839
Speaker 4: like that's fine. It's out of the way. The money

799
00:36:36,880 --> 00:36:39,040
Speaker 4: comes out of my account, well out of my kay

800
00:36:39,200 --> 00:36:41,840
Speaker 4: before I even see it, and I'm pretty happy to

801
00:36:42,000 --> 00:36:44,280
Speaker 4: just let that go go down slowly.

802
00:36:44,560 --> 00:36:47,520
Speaker 2: And does she have any good money habits that she's especially.

803
00:36:47,160 --> 00:36:50,120
Speaker 4: Proud of automated savings. It's that that's the first thing

804
00:36:50,160 --> 00:36:52,720
Speaker 4: that comes out, is well, my savings and my rent,

805
00:36:52,840 --> 00:36:55,759
Speaker 4: So then straight away the things that are important to

806
00:36:55,760 --> 00:36:58,200
Speaker 4: me and the things I need to live are paid

807
00:36:58,320 --> 00:37:01,880
Speaker 4: for in the though. Something I did before I could

808
00:37:01,920 --> 00:37:06,640
Speaker 4: automate savings was when I would make a choice about

809
00:37:06,840 --> 00:37:09,960
Speaker 4: not doing something or choosing a cheaper option, I would

810
00:37:10,160 --> 00:37:13,720
Speaker 4: sense a very intense but I would transferred that money

811
00:37:13,920 --> 00:37:16,600
Speaker 4: straightway into savings. So when I was in a position

812
00:37:16,640 --> 00:37:18,320
Speaker 4: while I was at UNI and I really wasn't earning

813
00:37:18,400 --> 00:37:21,920
Speaker 4: very much, money, and I was out for brunch, and

814
00:37:21,960 --> 00:37:24,919
Speaker 4: I go, oh, do I buy the twenty five dollar

815
00:37:24,960 --> 00:37:28,440
Speaker 4: breakfast or the twenty dollar breakfast? And I chose the

816
00:37:28,440 --> 00:37:30,960
Speaker 4: twenty dollar breakfast. I would then move that five dollars

817
00:37:31,000 --> 00:37:33,000
Speaker 4: into my savings, so I had, I don't know, that

818
00:37:33,080 --> 00:37:36,920
Speaker 4: instant gratification of actually making that choice instead of just

819
00:37:36,960 --> 00:37:39,920
Speaker 4: being like, oh no, like depriving myself but never actually

820
00:37:39,920 --> 00:37:42,279
Speaker 4: seeing my savings grow at all.

821
00:37:42,480 --> 00:37:44,279
Speaker 2: And what about her worst money habit?

822
00:37:44,640 --> 00:37:49,560
Speaker 4: I think for me, it's probably committing to holidays or

823
00:37:49,640 --> 00:37:53,719
Speaker 4: booking holidays and flights before I've actually thought through do

824
00:37:53,760 --> 00:37:56,480
Speaker 4: I have the money for this, which then involves a

825
00:37:56,480 --> 00:37:59,200
Speaker 4: little bit of extra saving that I haven't planned for.

826
00:37:59,600 --> 00:38:02,920
Speaker 2: So what's today's money diarist actually saving for? What's her

827
00:38:02,960 --> 00:38:03,719
Speaker 2: big money goal?

828
00:38:04,360 --> 00:38:07,799
Speaker 4: So my big money God, I'd almost have two, which

829
00:38:07,840 --> 00:38:09,759
Speaker 4: I don't know if that's a good thing or a

830
00:38:09,760 --> 00:38:12,520
Speaker 4: bad thing. One is sort of the standard I would

831
00:38:12,600 --> 00:38:15,279
Speaker 4: like to buy a house one day, and that is

832
00:38:15,320 --> 00:38:19,720
Speaker 4: what a majority of my savings goes towards at the moment,

833
00:38:19,880 --> 00:38:23,160
Speaker 4: is to go into a reasonably high interest savings account

834
00:38:23,600 --> 00:38:27,000
Speaker 4: and just slowly build that up for a deposit. My

835
00:38:27,080 --> 00:38:30,480
Speaker 4: other one is obviously around the shares. I'm hoping to

836
00:38:31,000 --> 00:38:34,000
Speaker 4: kind of just develop a little bit of passive income

837
00:38:34,520 --> 00:38:36,400
Speaker 4: as they have super as well, but something that I

838
00:38:36,440 --> 00:38:41,080
Speaker 4: can access in ten years, twenty years if I have

839
00:38:41,239 --> 00:38:44,120
Speaker 4: kids and I can't work full time, or I don't know,

840
00:38:44,160 --> 00:38:45,759
Speaker 4: I want to start my own business and I just

841
00:38:45,840 --> 00:38:48,799
Speaker 4: need kind of some money to fall back on. But yeah,

842
00:38:48,840 --> 00:38:51,319
Speaker 4: I'm not sure if I should bring that back in

843
00:38:51,360 --> 00:38:53,160
Speaker 4: and kind of just pick one to focus on.

844
00:38:53,560 --> 00:38:56,520
Speaker 2: So how would today's money diarist write her own relationship

845
00:38:56,560 --> 00:38:57,000
Speaker 2: with money?

846
00:38:57,600 --> 00:39:01,640
Speaker 4: I think overall, I'm pretty good. I have a reasonably

847
00:39:02,000 --> 00:39:04,359
Speaker 4: good idea of where my money comes from and where

848
00:39:04,360 --> 00:39:06,520
Speaker 4: it goes. So I don't know whether I do sort

849
00:39:06,520 --> 00:39:10,080
Speaker 4: of B plus or A. I think there's still stuff

850
00:39:10,120 --> 00:39:13,879
Speaker 4: for me to learn, especially around the share market and

851
00:39:14,320 --> 00:39:17,200
Speaker 4: capital gains, tax and kind of what actually happens there.

852
00:39:17,280 --> 00:39:20,080
Speaker 4: So I know there's definitely always things for me to

853
00:39:20,160 --> 00:39:21,040
Speaker 4: improve on.

854
00:39:21,719 --> 00:39:24,359
Speaker 2: And finally, what is she most looking forward to learning

855
00:39:24,360 --> 00:39:25,400
Speaker 2: about moving forward?

856
00:39:25,680 --> 00:39:28,360
Speaker 4: Yeah, whether I should be more specific with my money

857
00:39:28,480 --> 00:39:33,520
Speaker 4: goals considering they are pretty big, or if having to

858
00:39:35,040 --> 00:39:36,920
Speaker 4: at the same time is okay as long as I'm

859
00:39:36,960 --> 00:39:40,080
Speaker 4: aware that it obviously will take longer to get there.

860
00:39:40,000 --> 00:39:42,359
Speaker 2: All right, Victoria, what did you make about twenty five

861
00:39:42,440 --> 00:39:43,480
Speaker 2: year old super save up?

862
00:39:43,640 --> 00:39:44,640
Speaker 1: I love Testory.

863
00:39:44,760 --> 00:39:45,399
Speaker 2: I thought you might.

864
00:39:45,640 --> 00:39:47,960
Speaker 1: Yeah, I feel like I love everybody's money story, so

865
00:39:48,040 --> 00:39:50,520
Speaker 1: they're my favorite part of this podcast. But I really

866
00:39:50,600 --> 00:39:54,719
Speaker 1: liked that she clearly understood her money story herself, Like

867
00:39:54,800 --> 00:39:56,759
Speaker 1: she knew where she'd come from and where she was

868
00:39:56,800 --> 00:40:00,000
Speaker 1: going and how her upbringing had really impacted her life

869
00:40:00,080 --> 00:40:02,640
Speaker 1: life and what that actually meant for her moving forward.

870
00:40:02,640 --> 00:40:04,880
Speaker 1: And I think that that's a really powerful position to

871
00:40:04,960 --> 00:40:07,080
Speaker 1: be in. But I also think it's a really powerful

872
00:40:07,080 --> 00:40:09,080
Speaker 1: position for all of us to kind of like work

873
00:40:09,120 --> 00:40:11,560
Speaker 1: towards as well, because the more we know, the more

874
00:40:11,600 --> 00:40:13,319
Speaker 1: power we have, the more power we have, the more

875
00:40:13,360 --> 00:40:16,080
Speaker 1: action we can change. So it's just really cool to

876
00:40:16,120 --> 00:40:19,200
Speaker 1: see that she's reflected on that really well and kind

877
00:40:19,200 --> 00:40:22,120
Speaker 1: of taking it in her stride. I love that she's

878
00:40:22,160 --> 00:40:24,120
Speaker 1: saving what she's saving forty.

879
00:40:24,200 --> 00:40:25,960
Speaker 2: Dollars twenty five.

880
00:40:26,080 --> 00:40:28,720
Speaker 1: Yeah, that is epic, Like that is so so cool,

881
00:40:29,000 --> 00:40:31,719
Speaker 1: And I just love the way her mentality was. Like

882
00:40:31,880 --> 00:40:34,640
Speaker 1: I probably wouldn't agree with her rating, I feel like

883
00:40:34,719 --> 00:40:37,239
Speaker 1: she could up her rating because she is actually good,

884
00:40:37,280 --> 00:40:39,799
Speaker 1: Like the only debt she had was her hex, and

885
00:40:39,840 --> 00:40:41,719
Speaker 1: I feel like that is debt that you know, we

886
00:40:41,760 --> 00:40:44,239
Speaker 1: don't actually have to stress too much about getting rid

887
00:40:44,239 --> 00:40:47,399
Speaker 1: of asap, just because you know, we do have time

888
00:40:47,440 --> 00:40:49,920
Speaker 1: with that and we do have the ability to generate

889
00:40:49,960 --> 00:40:52,640
Speaker 1: wealth while still having hex debt. So I feel like

890
00:40:52,680 --> 00:40:54,640
Speaker 1: she was harsh on herself. But at the same time,

891
00:40:55,719 --> 00:40:56,800
Speaker 1: was it B. I think it was a B.

892
00:40:57,040 --> 00:40:58,600
Speaker 2: It was a B plus slash and A.

893
00:40:58,840 --> 00:41:01,600
Speaker 1: Yeah, not terrible, But I just feeling like she's more

894
00:41:01,640 --> 00:41:04,640
Speaker 1: A than she is B plus and I just really

895
00:41:04,680 --> 00:41:06,080
Speaker 1: want to pump her up. I love her.

896
00:41:06,280 --> 00:41:10,080
Speaker 2: She also mentioned that she hopes to develop a passive income. Yes,

897
00:41:10,360 --> 00:41:11,200
Speaker 2: what's that again?

898
00:41:11,440 --> 00:41:13,719
Speaker 1: So that is when you have an asset that is

899
00:41:13,760 --> 00:41:16,000
Speaker 1: producing money for you to live on that you don't

900
00:41:16,040 --> 00:41:18,760
Speaker 1: have to go to work for. So the entire purpose

901
00:41:18,800 --> 00:41:22,080
Speaker 1: of having a share portfolio is so that it can

902
00:41:22,160 --> 00:41:24,960
Speaker 1: generate you wealth so that you don't have to go

903
00:41:24,960 --> 00:41:25,840
Speaker 1: to work anymore.

904
00:41:26,080 --> 00:41:26,799
Speaker 2: And I've used this.

905
00:41:26,840 --> 00:41:29,920
Speaker 1: Example on the podcast before. If you have and these

906
00:41:29,920 --> 00:41:32,400
Speaker 1: are big numbers, but this is what we're ultimately working

907
00:41:32,440 --> 00:41:35,200
Speaker 1: towards once we retire. If you have one point two

908
00:41:35,200 --> 00:41:38,800
Speaker 1: million dollars invested Georgia at a five percent rate of return,

909
00:41:38,920 --> 00:41:42,000
Speaker 1: that's about sixty thousand dollars coming into your account each

910
00:41:42,040 --> 00:41:44,600
Speaker 1: and every single year that you didn't need to work for.

911
00:41:44,840 --> 00:41:46,880
Speaker 1: And that is not eating away at the savings that

912
00:41:46,920 --> 00:41:49,479
Speaker 1: you've made or the investments you've made. That's just money

913
00:41:49,520 --> 00:41:51,800
Speaker 1: that your money is making, and that is really cool.

914
00:41:52,080 --> 00:41:54,600
Speaker 1: And the more money that we are investing and the

915
00:41:54,640 --> 00:41:57,440
Speaker 1: longer that we are investing for, the more money our

916
00:41:57,480 --> 00:42:00,160
Speaker 1: money is able to make. And therefore we end up

917
00:42:00,160 --> 00:42:02,520
Speaker 1: in a position where we have a thing called passive income,

918
00:42:02,680 --> 00:42:05,279
Speaker 1: which is where it's passive, it's not active, like going

919
00:42:05,280 --> 00:42:06,480
Speaker 1: to work every single day.

920
00:42:07,080 --> 00:42:09,080
Speaker 2: And what did you think of her big money goal

921
00:42:09,160 --> 00:42:09,800
Speaker 2: buying a house.

922
00:42:10,239 --> 00:42:12,200
Speaker 1: I think that if that is in line with her

923
00:42:12,280 --> 00:42:14,440
Speaker 1: goals and her values, I am so here for that.

924
00:42:14,560 --> 00:42:16,640
Speaker 1: It is a very big goal of a lot of us.

925
00:42:16,840 --> 00:42:18,640
Speaker 1: It's something that I see a lot of my clients

926
00:42:18,680 --> 00:42:21,279
Speaker 1: wanting to engage in. And I really like it. Like

927
00:42:21,400 --> 00:42:23,640
Speaker 1: she seemed like she had conviction in what she was

928
00:42:23,680 --> 00:42:26,160
Speaker 1: looking forward to and working towards.

929
00:42:25,719 --> 00:42:29,120
Speaker 2: And I can't ask more. She definitely knows where she's

930
00:42:29,160 --> 00:42:34,319
Speaker 2: been and where she's heading. Now, that is all we

931
00:42:34,400 --> 00:42:36,719
Speaker 2: have time for today. But before we head off, let's

932
00:42:36,800 --> 00:42:39,919
Speaker 2: quickly wrap the boring but important stuff. The advice shared

933
00:42:39,920 --> 00:42:41,840
Speaker 2: on Shoes on the Money is general in nature and

934
00:42:41,920 --> 00:42:45,239
Speaker 2: does not consider your individual circumstances. She's on the Money

935
00:42:45,280 --> 00:42:48,360
Speaker 2: exists purely for educational purposes and should not be relied

936
00:42:48,400 --> 00:42:52,160
Speaker 2: upon to make an investment or financial decision and relax,

937
00:42:52,280 --> 00:42:56,160
Speaker 2: we promise. Victoria Divine is an authorized representative of Australia

938
00:42:56,200 --> 00:43:00,400
Speaker 2: Pacific Funds Management Propriety Limited ABN three four one three

939
00:43:00,480 --> 00:43:03,680
Speaker 2: two four six three two five seven AFSL three three

940
00:43:03,760 --> 00:43:07,200
Speaker 2: nine one five one and as always a massive shout

941
00:43:07,239 --> 00:43:09,959
Speaker 2: out to our audio lord, Ryan John for putting together

942
00:43:10,000 --> 00:43:10,600
Speaker 2: today's pop.

943
00:43:10,800 --> 00:43:13,040
Speaker 1: We would love it if you joined our Facebook group,

944
00:43:13,040 --> 00:43:16,279
Speaker 1: where our community shares money tips and tricks every single day,

945
00:43:16,400 --> 00:43:19,000
Speaker 1: free of judgment. Search She's on the Money on Facebook

946
00:43:19,040 --> 00:43:21,160
Speaker 1: and join us if Facebook's not your thing or you

947
00:43:21,160 --> 00:43:23,800
Speaker 1: want to find us on both platforms. We're also on Instagram.

948
00:43:24,040 --> 00:43:26,080
Speaker 1: We're at She's on the Money a US.

949
00:43:26,480 --> 00:43:27,200
Speaker 2: See you next week.

950
00:43:27,239 --> 00:43:27,560
Speaker 4: G