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Speaker 1: Hello.

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Speaker 2: My name is Satasha Nabananga Bamblet. I'm a proud or

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Speaker 2: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 2: we get started on She's on the Money podcast, I

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Speaker 2: would like to acknowledge the traditional custodians of the land

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Speaker 2: of which this podcast is recorded on a wondery country,

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Speaker 2: acknowledging the elders, the ancestors and the next generation coming

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Speaker 2: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 2: and the storytelling of you to make a difference for

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Speaker 2: today and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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

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Speaker 1: Hello, and welcome to She's on the Money podcast that

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Speaker 1: lets you be pervy about other people's money habits for

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Speaker 1: educational purposes, of course. Welcome back to another one of

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Speaker 1: our Money Diary's episodes where I get the absolute privilege

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Speaker 1: of sitting down with one of our She's on the

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Speaker 1: Money community members and asking them a million questions about

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Speaker 1: their money story. Let's jump straight into it, because this

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Speaker 1: week I got a message and it sounded exactly like this.

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Speaker 1: Hi Victoria and She's on the Money. I grew up

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Speaker 1: Paul with the dad who could never hold down a job.

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Speaker 1: I wasn't taught anything about money and went into debt

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Speaker 1: as soon as I turned eighteen. Later, I was left

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Speaker 1: with twenty thousand dollars worth of debt from my ex

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Speaker 1: on top of my own. I buried my head in

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Speaker 1: the sand until last year when I turned thirty and

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Speaker 1: I decided to get my finances sorted. That's when I

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Speaker 1: found she's on the money using zero based budgeting. I

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Speaker 1: smashed my debt in two and a half years, and

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Speaker 1: my now husband and I are saving for a house.

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Speaker 1: Learning about money changed my life, and now I get

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Speaker 1: to be the money teacher for my kids, kids that

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Speaker 1: I never had money dirist, I'm so excited about this.

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Speaker 1: I love that you're like, I've gone from literally being

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Speaker 1: in debt and having an X that got mean even

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Speaker 1: further debt to being literally like an icon for your

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Speaker 1: kids teaching them about money. And ah, it's just so

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Speaker 1: exciting that people can change their story totally.

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Speaker 4: I get that was so exciting listening to you.

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Speaker 5: To read that back yeah, because I mean, like me

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Speaker 5: telling it, yeah, it's okay, but then having you read

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Speaker 5: it back to me, I was like, WHOA, that's.

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Speaker 1: Right, and I won't say I argue, but it's why

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Speaker 1: I'm always like to people tell me about your money

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Speaker 1: like grade, and then you go through their whole story

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Speaker 1: and you're like, girlfriend, like, that does not feel right.

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Speaker 1: Like it feels like you are probably being a little

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Speaker 1: bit self critical. But aren't women always self critical of themselves?

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Speaker 1: Totally we need to be better at that. All right,

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Speaker 1: let's jump into it, because I can't wait to ask

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Speaker 1: you a million questions, money durist, what grade would you

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Speaker 1: give your money habits if I asked you to give

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Speaker 1: them a grade from A through to F.

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Speaker 4: I'm going to go with B B.

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Speaker 1: All right, you tell me a little bit more about

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Speaker 1: your money story.

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Speaker 5: Yes, So, growing up, my first money memory was I

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Speaker 5: was probably about three, and I remember waking up on

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Speaker 5: Christmas morning and opening these presents and it was this

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Speaker 5: really amazing fairy wings and tiara.

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Speaker 1: And a wand oh that's really sweet, it was.

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Speaker 5: And it wasn't until a couple of years ago I

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Speaker 5: actually found out that my mom had made those because

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Speaker 5: we had no money because my dad couldn't keep down

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Speaker 5: the job.

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Speaker 6: And so this said, that's so wholesome, Oh it.

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Speaker 4: Is, honestly, And I was just my mum's such a legend.

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Speaker 4: I just think back in like she just made something

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Speaker 4: out of nothing for us.

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Speaker 1: You didn't even know the difference.

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Speaker 5: I had no idea. I had no idea. I just

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Speaker 5: thought it was the coolest thing ever. And growing up,

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Speaker 5: so my mum was a stay at her mum from

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Speaker 5: when she had me. I've got three younger siblings, and

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Speaker 5: so money was always tight. And my dad is the

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Speaker 5: kind of person that would walk into a job think

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Speaker 5: that he could do.

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Speaker 4: It better than the boss. It would then all blow

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Speaker 4: up and then he would leave within six months.

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Speaker 1: Oh good, that's a very positive attitude to have.

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Speaker 4: So I'm positive.

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Speaker 5: And so we were never taught financial literacy or anything

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Speaker 5: like that, So I grew up with a huge scarcity mindset.

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Speaker 5: So I was always under the assumption that whenever money

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Speaker 5: came in, it would just leave. And so I got

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Speaker 5: a job as soon as I turned fourteen. I got

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Speaker 5: my first job and I started working, and every single

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Speaker 5: dollar that I made I spent. I had no money

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Speaker 5: and I could never work out why I had no money.

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Speaker 1: But like you don't know what you don't know, right,

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Speaker 1: Like if no one sat you down and said money

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Speaker 1: dirist you actually need to put some of this aside.

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Speaker 1: You'll be like, well, why would I do that. I've

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Speaker 1: never had my own money and I deserve xyzet. Like

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Speaker 1: we're so tuned into what historically we've been taught and

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Speaker 1: like that's not a bad thing, it's just the way

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Speaker 1: it is, right like, and I feel like we crucify

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Speaker 1: ourselves so often, and like we're often like, oh my god,

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Speaker 1: I was so dumb or I'm so silly and I

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Speaker 1: have no money, like this must be a reflection of

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Speaker 1: me personally, and it's like, well, no one's actually ever

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Speaker 1: sat you down and been like, hey, money diarist, you

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Speaker 1: need to do this with your money, and this is

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Speaker 1: what cash flow looks like and this is why you

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Speaker 1: should care about budgeting. But you did go to school

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Speaker 1: and they taught you trigonometry, so that's been really positive.

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Speaker 4: Totally, And I'm sure I still use that now.

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Speaker 1: I cannot give an example right now of how I

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Speaker 1: use that, and I literally work in finance, but okay either.

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Speaker 5: And then yes, I had my first job at fourteen,

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Speaker 5: spent on my money, and then I got to eighteen

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Speaker 5: and I was approved for a credit card and.

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Speaker 4: Worst obviously Hindsight's twenty twenty.

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Speaker 5: But I wish that had never happened, because then I

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Speaker 5: ended up in all this credit card debt because obviously

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Speaker 5: no financial literacy plus a credit card does not eat

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Speaker 5: more good time.

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Speaker 1: I mean it did at the time, though I can

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Speaker 1: almost guarantee that you had leg Let's be honest here,

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Speaker 1: like we didn't get into debt, and it was a

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Speaker 1: bad time getting into the debt. Often it's a fun ride.

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Speaker 4: Oh it was great. It was great free money, right, yeah, totally.

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Speaker 5: And I met my ex partner and he was really

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Speaker 5: good with money, and he would save and.

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Speaker 4: Save, and he taught me a couple of things.

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Speaker 5: I'll give him that, But then he was quite emotionally

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Speaker 5: abusive and verbally abusive, and so I just hit a

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Speaker 5: point where I was like, I need to get out

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Speaker 5: of this.

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Speaker 4: Just about six months prior.

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Speaker 5: To that, we had bought a new car and we

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Speaker 5: did it in my name because at the time I

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Speaker 5: worked for an insurance company and I got half price

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Speaker 5: insurance if it was in my name. So we did that,

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Speaker 5: and then when we broke up, it was just so

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Speaker 5: much easier on my mental health if I just I'm

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Speaker 5: going to sign the Regiro papers.

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Speaker 4: Just take it. I don't even care anymore. I just

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Speaker 4: need to get out, isn't it wild?

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Speaker 1: Like I totally respect that, And so many people who

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Speaker 1: haven't been in that situation might just be like, that's

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Speaker 1: so silly, why would you do that? And you're just like,

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Speaker 1: I don't think you understand the mental strain that I'm

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Speaker 1: under and the fact that literally being in significant debt

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Speaker 1: financially is much better, and I'm very happy with that completely.

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Speaker 4: I just to give you some context.

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Speaker 5: So I have always been maybe a size twelve to fourteen.

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Speaker 5: In that relationship, I was under that much mental anxiety

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Speaker 5: and anguish that I dropped down to a size eight.

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Speaker 1: My goodness, but if that's not where your body sits naturally,

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Speaker 1: like you would have looked sick. Yeah, you would have

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Speaker 1: been not well.

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Speaker 5: It was so awful, and the relief I felt even

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Speaker 5: just signing those red Rock papers over, even though I

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Speaker 5: was in a huge amount of.

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Speaker 4: Debt, now it was so worth it. It was worth every dollar.

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Speaker 4: And then we had a joint account which we split

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Speaker 4: down the middle when we.

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Speaker 5: Split up, And so then I booked a return ticket

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Speaker 5: to the UK and I did a top deck tour

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Speaker 5: over there and I lived my best life and it

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Speaker 5: was great, but it actually put me into a little

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Speaker 5: bit more debt, which I don't regret at all, because

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Speaker 5: I had the absolute time of my life. And then

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Speaker 5: I came back and I got together with my now husband.

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Speaker 5: We'd worked together for a couple of years by that point,

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Speaker 5: but I had changed offices, so we weren't working directly together.

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Speaker 5: And then we found out quite soon after we got

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Speaker 5: together that I was going to have my daughter. That's

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Speaker 5: so exciting, it was, it was, and so I was

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Speaker 5: still money mess. I had her a couple of years ago,

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Speaker 5: and then I had my son during the big lockdown

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Speaker 5: that Sydney had in COVID, and I was still a

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Speaker 5: money mess at that point. And I remember thinking after

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Speaker 5: I had him, staring at him in the hospital, thinking

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Speaker 5: I just can't do this. I can't this tiny little face.

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Speaker 5: I can't have them go through the same childhood that

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Speaker 5: I had where we couldn't afford things and all that

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Speaker 5: sort of stuff.

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Speaker 1: That's really sad, but also like so embowering, Like yeah, totally.

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Speaker 5: So that was twenty twenty one, and so I like

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Speaker 5: had sort of started thinking about it, and then last

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Speaker 5: year I found the broke generations.

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Speaker 4: I fent Emma and then.

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Speaker 1: Yeah, she's gorge isn't she.

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Speaker 4: Oh she's so beautiful.

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Speaker 1: And she's just so relatable, like you just go yes, queen.

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Speaker 4: She's so relatable.

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Speaker 5: And then through Emma, I actually found she's on the

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Speaker 5: money and yourself. And then I binged from August last

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Speaker 5: year up until maybe three ways ago.

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Speaker 4: I binged the whole entire She's on the money.

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Speaker 1: Oh, Like, I'm so proud of you, because that's like

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Speaker 1: if I take a step back, that's like such an

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Speaker 1: epic step towards like creating financial freedom. But my lord,

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Speaker 1: that's like seven hundred episodes of my voice. I'm so sorry.

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Speaker 4: Don't apologize.

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Speaker 5: You absolutely changed my life. I listened to it one

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Speaker 5: and a half speed. I will throw that out there.

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Speaker 4: Oh.

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Speaker 1: I listened to all podcasts on two time speed like

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Speaker 1: everyone in my head. Yap's real quick too.

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Speaker 4: And then I read your book.

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Speaker 5: Oh cool, Yeah, our local library had it as an ebook.

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Speaker 4: So I smashed that down.

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Speaker 5: And then I sat down and I created with help

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Speaker 5: of some YouTube videos, I created a avalanche spreadsheet tracker

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Speaker 5: to smash it on my debt, and so between i'd

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Speaker 5: already started paying. I think I'd paid off about half

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Speaker 5: of it by this point, but then I sat down

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Speaker 5: in August, and between August and September, so beginning of August,

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Speaker 5: at the end of September, I had paid off nearly

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Speaker 5: all of it.

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Speaker 4: I think I had maybe three thousand dollars left.

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Speaker 5: And then I actually I came into some money unexpectedly

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Speaker 5: in the beginning of October, and I paid off the

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Speaker 5: rest of that debt.

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Speaker 1: And so ah, but like even your money mindset, right, So,

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Speaker 1: like you said, I came into some money unexpectedly. Like

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Speaker 1: I'm just going to make some assumptions. We don't know

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Speaker 1: each other well yet, but I'm assuming that historical you

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Speaker 1: would have just spent that money, not paid off the debt.

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Speaker 1: And the fact that you came into some unexpected money

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Speaker 1: and was like, okay, cool, that's going to pay off

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Speaker 1: my debt. Like that's such a mindset shift. Like and

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Speaker 1: I don't think that when we start making decisions like

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Speaker 1: that we get enough credit, because like that's not just

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Speaker 1: like a you know, a fluffy mindset shift, Like that's

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Speaker 1: a whole attitude shift and are like my values have

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Speaker 1: changed shift, Like that is cool. Yeah, it was a

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Speaker 1: complete one eighty and I remember thinking at the time

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Speaker 1: when I made that final payment, I logged on a

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Speaker 1: Saturday morning to see that it had been clear. I

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Speaker 1: remember thinking, now, I I had just feels when she

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Speaker 1: was talking about on the podcast when she paid off

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Speaker 1: her deay and there was no celebration and it was

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Speaker 1: so anticlimactic. Literally, someone in my DMS recently messaged me

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Speaker 1: and they said, Hey, the I just want to say

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Speaker 1: I've paid off all my debt and obviously, like everyone

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Speaker 1: please message me when you do that, I get so excited.

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Speaker 1: She's like, but I expected someone to jump out of

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Speaker 1: like a copboard with a bottle of champagne, Like where

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Speaker 1: was the champagne? Where were the balloons? Like it felt

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Speaker 1: really anticlimactic, which is why I'm always like, God, friend,

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Speaker 1: you have to celebrate yourself, Like, and I know that

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Speaker 1: maybe you are trying to save and whatnot, but like,

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Speaker 1: maybe do go out for dinner finally, or maybe do

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Speaker 1: like treat yourself to something that you've really really wanted,

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Speaker 1: because you need to kind of like celebrate the journey

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Speaker 1: and celebrate the winds because like no one else is

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Speaker 1: going to do that for you. Like, and I think

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Speaker 1: that's what we've always expected historically, someone else is going

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Speaker 1: to do it, someone else will clean it up, Like no, no,

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Speaker 1: you were the one that has to have your own back,

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Speaker 1: which also means celebrating you totally.

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Speaker 5: Yeah, my celebration actually came not long after that, so

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Speaker 5: we took a family holiday up to the Gold Coast

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Speaker 5: with the kids for my birthday and yeah, so cute.

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Speaker 4: Yeah.

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Speaker 5: I remember walking through SeaWorld and we went into the

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Speaker 5: Nickelodeon shop and I was standing in line and the

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Speaker 5: lady in front of me got her phone up to

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Speaker 5: pay and she paid with after pay at the counter,

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Speaker 5: and I remember just having this It was like someone

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Speaker 5: had thrown water in my face. I just had this

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Speaker 5: realization like, oh my god, that was me not long ago,

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Speaker 5: and I don't have to do that anymore. We have

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Speaker 5: cash to spend on this holiday. We're not going into

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Speaker 5: debt for it. And I just like I started tearing up.

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Speaker 5: And I'm not a big crier, but I was like,

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Speaker 5: oh my god, I did it.

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Speaker 4: I did it.

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Speaker 1: You did do it. That's making me like a little bit,

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Speaker 1: I don't know, like I hate the fact that we

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Speaker 1: can't just scoop people up like I'm such a and

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Speaker 1: maybe that's me with my like really frustrating like savior complex,

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Speaker 1: like I just want to scoop people up and be like, hey,

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Speaker 1: I saw you using after pain and I was just wondering,

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Speaker 1: like is there anything I can do? And like that's inappropriate,

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Speaker 1: Like don't do that. You know, in that moment, you

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Speaker 1: were probably like holy moly, like I have changed everything

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Speaker 1: about me, Like I'm not who I used to be,

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Speaker 1: and like my kids aren't going to grow up with

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Speaker 1: the same experiences. Like don't get me wrong, when you

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Speaker 1: were explaining that your mom had made you fairy wings

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Speaker 1: and that you didn't know the difference, like that is

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Speaker 1: the sweetest thing ever, Like, don't get me wrong. Some

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Speaker 1: of my favorite memories as a child are the things

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Speaker 1: that my mum made me or did for me. And

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Speaker 1: that's something that now as an adult and a mom,

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Speaker 1: I have been trying to give those experiences to Harvey,

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Speaker 1: Like I want to make his Santa Sack and I

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Speaker 1: want to do all of those things because I think

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Speaker 1: that those are like those core, wholesome memories that just

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Speaker 1: show how much you're loved, right, Like at the end

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Speaker 1: of the day, you in that moment wasn't about the

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Speaker 1: fairy wings. You just felt so seen by your mom.

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Speaker 1: She got you a gift that she knew that baby

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Speaker 1: money Darist was going to be so excited about, and

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Speaker 1: you just felt so loved, And like, I think that

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Speaker 1: that's I'm just so glad that even though you grew

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Speaker 1: up with those experiences where you didn't feel like your

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Speaker 1: dad was teaching you a lot about money and like

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Speaker 1: you know, he couldn't hold down a job and alls,

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Speaker 1: that you still had that love along the way. And

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Speaker 1: I think that that's so beautiful because I think so

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Speaker 1: many moms and parents listen to this podcast and like,

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Speaker 1: oh my god, like I just don't have enough to

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Speaker 1: give my kids what they want. And ultimately it's actually

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Speaker 1: not about the stuff. It's about the feeling, Like how

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Speaker 1: do you give them that feeling? And yet it might

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Speaker 1: take some more time, don't get me wrong, but like

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Speaker 1: you can still give them most beautiful core memories without

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Speaker 1: spending hundreds of dollars.

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Speaker 4: Totally agree.

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Speaker 5: I completely agree, And I look at them now and

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Speaker 5: because my husband and I work full time, so we

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Speaker 5: are away from them quite a bit, so they go

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Speaker 5: to daycare before and after school. Kit and I know,

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Speaker 5: like seeing their faces when they get a new toy

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Speaker 5: versus seeing their faces when we sit down and play

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Speaker 5: with them and actually spend time with them. It's just

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Speaker 5: absolutely priceless. And I know a lot of people say that,

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Speaker 5: but it really is. Like the time you give them

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Speaker 5: is so incomparable to like buying them things.

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Speaker 1: It's just yeah, Oh, I love this. I love this

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Speaker 1: so much. It sounds like you've changed your entire story.

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Speaker 1: Now tell me a bit more. You said, my husband

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Speaker 1: and I work full time. What do you do for work?

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Speaker 1: And how much money do you want?

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Speaker 4: So I'm a revenue operations specialist.

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Speaker 1: What does that mean?

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Speaker 5: So I work under our sails manager, and so I

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Speaker 5: do all.

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Speaker 4: Of the forecasting and contracts and numbers for her.

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Speaker 5: So I work with numbers, not directly in the finance space,

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Speaker 5: but I pulled together costing and all that sort of stuff.

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Speaker 1: That's very cool.

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Speaker 4: Yeah, I absolutely love it.

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Speaker 5: But the more that I've gone into this personal finance journey,

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Speaker 5: I've thought maybe I should have gotten into finance instead,

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Speaker 5: because I am obsessed with spreadsheets.

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Speaker 4: I've learned in the last six months.

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Speaker 1: I love spreadsheet me too.

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Speaker 5: You'll approciate this from Valentine's Day, I got my husband

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Speaker 5: a card and had an Excel spreadsheet on the front

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Speaker 5: that said freak in the Sheets, because he's.

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Speaker 4: Obsessed with them too.

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Speaker 1: I love that. I actually have a coffee mug that

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Speaker 1: says freaking the ship.

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Speaker 4: Yeah.

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Speaker 1: Sometimes I give it to my dad when he's over

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Speaker 1: for coffee and tea, and I just think it's funny,

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Speaker 1: so funny.

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Speaker 5: And I earn one hundred and twenty five thousand a

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Speaker 5: year plus sooper, Oh.

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Speaker 1: My god, that's such a good income. And you're like

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Speaker 1: a baby, not a baby, but like you're in your

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Speaker 1: early thirties, right, yeah, I am.

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Speaker 4: Can I tell you something else that makes me extra

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Speaker 4: proud of that?

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Speaker 1: Please do?

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Speaker 4: I never went to UNI.

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Speaker 5: I've worked my way up and I got a Diploma

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Speaker 5: of Business last year while juggling full time work, my

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Speaker 5: husband and my two kids.

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Speaker 1: No you didn't, I did.

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Speaker 4: I did it.

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Speaker 5: Honestly seeing that number on my paycheck everyport and I'm like, hell,

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Speaker 5: yeah I did that.

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Speaker 1: Yeah you did, queen, Like that is so much money,

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Speaker 1: Like that is life changing. And don't get me wrong,

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Speaker 1: lots of people are going to listen to this and

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Speaker 1: be like, no, it's not all people are going to

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Speaker 1: be like, oh my god, that's like double what I earn,

377
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Speaker 1: and like we're all in different spaces and on different journeys.

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Speaker 1: And I think that's one of my favorite things about

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Speaker 1: money diaries is that we can just share this and

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Speaker 1: be like, oh, this is what I'm doing, because like,

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Speaker 1: I hope that someone listens to this and goes, oh

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Speaker 1: my god, what do you mean she didn't go to UNI?

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Speaker 1: What do you mean? So tell me how did you

384
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Speaker 1: get into that role? Obviously you worked your way up,

385
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Speaker 1: but like you said, you did a diploma, Like did

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Speaker 1: you have to get the diploma to now earn this

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Speaker 1: amount or like what was that journey looking like?

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Speaker 5: Yeah, So I worked for a car rental company when

389
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Speaker 5: I was early twenties. I got made Redana from them.

390
00:17:14,840 --> 00:17:18,359
Speaker 5: I then moved to the insurance company and I worked

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Speaker 5: for them. I was actually being underpaid, I found out

392
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Speaker 5: at the car rental company. Rude, yeah, yeah, I was

393
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Speaker 5: on forty five K and I was managing two people.

394
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Speaker 1: Excuse me, that's not management rates.

395
00:17:30,640 --> 00:17:32,879
Speaker 5: No, it wasn't, And it was absolute insanity. And then

396
00:17:32,920 --> 00:17:37,359
Speaker 5: I moved over to the insurance company and I started

397
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Speaker 5: as a team assistant and they almost doubled my salary again.

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Speaker 1: Oh yeah, that would have been so exciting. You would

399
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Speaker 1: have been like, I don't know what to do with myself,

400
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Speaker 1: and was less.

401
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Speaker 4: Work and more money issues. That's always a.

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Speaker 1: Good combine, honestly, I'll take it.

403
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Speaker 4: Yeah.

404
00:17:52,320 --> 00:17:54,080
Speaker 5: And then I was there for my seven years. My

405
00:17:54,640 --> 00:17:57,040
Speaker 5: salary didn't go up much when I was there, but

406
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Speaker 5: that was fine. I worked with really good people, had

407
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Speaker 5: some really good managers, so it's completely fine.

408
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Speaker 4: I then got made redundant from there. So before thirty

409
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Speaker 4: i'd been redundant twice.

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Speaker 1: Oh did you get a good payout?

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Speaker 4: I did for that one.

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Speaker 5: I did because almost seven years it was and because

413
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Speaker 5: it was under the tax thresholder actually didn't pay a

414
00:18:13,840 --> 00:18:15,879
Speaker 5: tax at any of that redundancy pay so that was

415
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Speaker 5: straight in my pocket, which was amazing. And then I

416
00:18:19,720 --> 00:18:22,359
Speaker 5: just madly scrambled. I got maybe done in at thirty

417
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Speaker 5: weeks pregnant.

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Speaker 1: Oh my goodness, that would have been so stressful. Was

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Speaker 1: that with your daughter or your son?

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Speaker 4: My son?

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Speaker 5: So that was during the COVID lockdown. I remember my

422
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Speaker 5: manager crying as she had the conversation with me. She's like,

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Speaker 5: I'm so sorry. I'm like, yeah, nothing to be so bad.

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Speaker 5: It's fine, I know how this goes. I've done this before.

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Speaker 1: It's really find that would have stressed me out. And

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Speaker 1: I mean you shared earlier that when you had had

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Speaker 1: your baby, you were in the hospital like looking down

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Speaker 1: at him and just feeling like you can't do this,

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Speaker 1: So you're already in a financial pickle, like and I

430
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Speaker 1: know that. It's it's funny because like, obviously your manager

431
00:18:51,400 --> 00:18:53,439
Speaker 1: has to deliver that news, but it was probably not

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Speaker 1: their decision, like they would have just had to deliver.

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Speaker 4: It to you.

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Speaker 1: But you just go, this sucks, like this is the worst,

435
00:18:59,640 --> 00:19:02,040
Speaker 1: and like, what are you going to do? Start a

436
00:19:02,080 --> 00:19:04,280
Speaker 1: new job at thirty weeks pregnant? What did you do?

437
00:19:04,640 --> 00:19:07,439
Speaker 5: So, yeah, it was a departmental wide thing, so there

438
00:19:07,480 --> 00:19:07,959
Speaker 5: was a few of them.

439
00:19:08,000 --> 00:19:09,520
Speaker 4: My husband and I were in the same department.

440
00:19:09,560 --> 00:19:12,040
Speaker 5: But because he so he's quite a bit older than me,

441
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Speaker 5: he had been there for a really long time, so

442
00:19:14,359 --> 00:19:15,840
Speaker 5: they kept him because it would have cost them too

443
00:19:15,880 --> 00:19:18,200
Speaker 5: much to get rid of so they kept him, which

444
00:19:18,240 --> 00:19:20,200
Speaker 5: was it actually worked out really well for us because

445
00:19:20,200 --> 00:19:22,800
Speaker 5: there was that constant of his income coming in which

446
00:19:22,840 --> 00:19:23,440
Speaker 5: we really needed.

447
00:19:23,480 --> 00:19:24,280
Speaker 4: So that was fine.

448
00:19:24,480 --> 00:19:27,359
Speaker 5: So they what had happened was their redundancy process is

449
00:19:27,400 --> 00:19:28,080
Speaker 5: a really long time.

450
00:19:28,080 --> 00:19:29,560
Speaker 4: It's like thirteen weeks in total.

451
00:19:30,280 --> 00:19:32,959
Speaker 5: It's enormous, and so they paused it while they went

452
00:19:33,000 --> 00:19:35,640
Speaker 5: to maternity leave, and so I went on maternity leave

453
00:19:36,040 --> 00:19:39,239
Speaker 5: and then I wasn't due to return. So that was

454
00:19:39,359 --> 00:19:44,200
Speaker 5: in the September August September. I wasn't due to return

455
00:19:44,240 --> 00:19:48,119
Speaker 5: until Dune the following year, but they had taken the

456
00:19:48,119 --> 00:19:51,320
Speaker 5: redundancy of someone else because one of the guys had quit,

457
00:19:51,400 --> 00:19:53,520
Speaker 5: and so they took the redundancy of someone else and said,

458
00:19:53,520 --> 00:19:55,800
Speaker 5: you can do this job. And I was due to

459
00:19:55,800 --> 00:19:57,639
Speaker 5: come back at the same time. Someone who was doing

460
00:19:57,680 --> 00:20:00,720
Speaker 5: a similar job to me when on maternity and so

461
00:20:00,800 --> 00:20:02,560
Speaker 5: I said to my husband, I'm going to have to

462
00:20:02,560 --> 00:20:04,600
Speaker 5: go back early because I'm terrified they're going to take

463
00:20:04,600 --> 00:20:05,639
Speaker 5: this redundancy off me.

464
00:20:05,760 --> 00:20:07,560
Speaker 4: And because I had already worked out how much we

465
00:20:07,560 --> 00:20:10,399
Speaker 4: were getting in. It was quite Oh, it was life changing.

466
00:20:10,400 --> 00:20:10,760
Speaker 4: The sun.

467
00:20:10,960 --> 00:20:13,240
Speaker 1: Yeah, you've probably done your budget and worked it out

468
00:20:13,280 --> 00:20:15,280
Speaker 1: and been like okay, cool, Like I have two kids

469
00:20:15,280 --> 00:20:18,040
Speaker 1: and like my husband's inconsistent work, Like you get so

470
00:20:18,119 --> 00:20:21,000
Speaker 1: comfortable with an idea and like obviously you would have

471
00:20:21,000 --> 00:20:23,439
Speaker 1: worked it out again, but like, oh my goodness, like

472
00:20:23,520 --> 00:20:25,960
Speaker 1: the stress, yeah, completely.

473
00:20:25,480 --> 00:20:28,000
Speaker 5: And so I ended up going back when he was

474
00:20:28,080 --> 00:20:29,760
Speaker 5: four months old, which.

475
00:20:29,600 --> 00:20:30,560
Speaker 4: Was never my plan.

476
00:20:30,680 --> 00:20:31,520
Speaker 1: What was that like?

477
00:20:32,000 --> 00:20:33,000
Speaker 4: Oh, it was stressful.

478
00:20:33,040 --> 00:20:37,159
Speaker 5: So I interviewed and interviewed and interviewed, and I got

479
00:20:37,240 --> 00:20:39,600
Speaker 5: the job that i'man now, which has changed since I

480
00:20:39,640 --> 00:20:42,359
Speaker 5: got it. But I then had to go back to

481
00:20:42,400 --> 00:20:44,520
Speaker 5: full time work and it was three days in the office.

482
00:20:44,680 --> 00:20:47,879
Speaker 5: So going from being at home during COVID every single

483
00:20:47,960 --> 00:20:51,159
Speaker 5: day to then the kids, both kids being in daycare

484
00:20:51,200 --> 00:20:54,400
Speaker 5: full time, it was a huge adjustment, but I did it,

485
00:20:54,520 --> 00:20:57,280
Speaker 5: and so my roles changed a couple of times. So

486
00:20:57,320 --> 00:21:02,200
Speaker 5: I entered into this company as a a team assistant

487
00:21:02,240 --> 00:21:05,520
Speaker 5: and then our sales managers slowly gradually started giving me

488
00:21:05,640 --> 00:21:08,480
Speaker 5: more of the sales stuff to do all the behind

489
00:21:08,480 --> 00:21:10,800
Speaker 5: the scenes sales stuff, and so she's been training me up.

490
00:21:10,840 --> 00:21:14,080
Speaker 4: And then so I.

491
00:21:13,119 --> 00:21:15,320
Speaker 5: Had signed up the year before us to do the

492
00:21:15,359 --> 00:21:19,280
Speaker 5: diploma when the government had started doing the free courses

493
00:21:19,320 --> 00:21:21,480
Speaker 5: trying to get more people to do diplomas and certificates.

494
00:21:21,520 --> 00:21:23,960
Speaker 5: Master yeah, and so I was like, I'll do a

495
00:21:23,960 --> 00:21:25,720
Speaker 5: set for and then I was like, no, what stuff?

496
00:21:25,720 --> 00:21:27,000
Speaker 5: And I'm just going to go the whole hole and

497
00:21:27,040 --> 00:21:30,080
Speaker 5: do the diploma, go hard to go home, because I

498
00:21:30,119 --> 00:21:31,760
Speaker 5: was thinking that a lot, because I had no tertiary

499
00:21:31,840 --> 00:21:35,640
Speaker 5: qualifications either, So I thought a diploma at my age

500
00:21:35,680 --> 00:21:38,000
Speaker 5: will look a lot better than doing a surf for well,

501
00:21:38,000 --> 00:21:39,480
Speaker 5: that was how it was in my head anyway.

502
00:21:39,520 --> 00:21:42,160
Speaker 1: It's funny how we think these things, right, Like it's

503
00:21:42,200 --> 00:21:45,880
Speaker 1: so funny how we like do our justifications and like, yeah,

504
00:21:45,920 --> 00:21:48,080
Speaker 1: like obviously, like there's probably some weight to it, like

505
00:21:48,119 --> 00:21:50,960
Speaker 1: don't get me wrong, like one is technically more educated

506
00:21:51,000 --> 00:21:54,160
Speaker 1: than the other, but like you're in this role already

507
00:21:54,480 --> 00:21:56,960
Speaker 1: and you probably would have got it with or without,

508
00:21:57,200 --> 00:21:59,359
Speaker 1: And I don't know, it just makes you feel like

509
00:21:59,400 --> 00:22:01,160
Speaker 1: you've got a little bit more weight if you wanted

510
00:22:01,160 --> 00:22:03,560
Speaker 1: to move around or do something later in your career.

511
00:22:03,680 --> 00:22:06,680
Speaker 5: Exactly right, exactly right. And so I started here early

512
00:22:06,720 --> 00:22:09,800
Speaker 5: twenty twenty two, and then I was on one hundred

513
00:22:09,880 --> 00:22:12,440
Speaker 5: K almost from the get go, and so I did

514
00:22:12,440 --> 00:22:14,920
Speaker 5: the diploma. Just before I was finishing, I sat down

515
00:22:14,920 --> 00:22:17,000
Speaker 5: with my work best here was also the finance team,

516
00:22:17,040 --> 00:22:19,840
Speaker 5: and she's such an advocate for herself and everyone else else.

517
00:22:19,840 --> 00:22:21,280
Speaker 5: She's like, you need to go in there and ask

518
00:22:21,320 --> 00:22:21,960
Speaker 5: her at pay rat.

519
00:22:22,400 --> 00:22:24,240
Speaker 1: Yes, I love her already.

520
00:22:24,640 --> 00:22:25,680
Speaker 4: Yeah, she's so great.

521
00:22:25,720 --> 00:22:27,919
Speaker 5: And so I was like, oh god, I can't do that,

522
00:22:27,960 --> 00:22:29,040
Speaker 5: and she's like, yes, you can.

523
00:22:29,200 --> 00:22:31,119
Speaker 4: And so before I'd even had a chance, to my

524
00:22:31,160 --> 00:22:32,760
Speaker 4: manager of Porbia side and she's like, can we have

525
00:22:32,800 --> 00:22:34,359
Speaker 4: a quick chat? And I was like, oh.

526
00:22:34,240 --> 00:22:37,800
Speaker 1: God, oh no, anyone who says that illegal? Can we

527
00:22:37,840 --> 00:22:38,600
Speaker 1: have a quick chat?

528
00:22:38,720 --> 00:22:39,080
Speaker 4: I don't know?

529
00:22:39,119 --> 00:22:40,200
Speaker 1: Am I losing my job?

530
00:22:40,480 --> 00:22:42,760
Speaker 4: Yeah? I'm always like, am I in trouble? She was

531
00:22:42,800 --> 00:22:44,000
Speaker 4: like no, dot know. And somebody walked in.

532
00:22:44,080 --> 00:22:46,639
Speaker 5: She sat down and she's like, so I want to

533
00:22:46,680 --> 00:22:48,800
Speaker 5: do a little bit of a performance review because we're giving.

534
00:22:48,640 --> 00:22:51,400
Speaker 4: Your caras and I was like, oh, amazing.

535
00:22:51,800 --> 00:22:54,520
Speaker 5: And she's like, we're going to give you twenty five

536
00:22:54,560 --> 00:22:58,199
Speaker 5: thousand dollars extra and I'm like, sorry, what, Yeah, it

537
00:22:58,240 --> 00:22:59,000
Speaker 5: gets better.

538
00:22:58,840 --> 00:22:59,480
Speaker 4: It gets better.

539
00:23:00,000 --> 00:23:02,080
Speaker 5: He also then said and also, I'm going to give

540
00:23:02,119 --> 00:23:04,879
Speaker 5: you some kpies and if you can hit them in

541
00:23:04,880 --> 00:23:06,320
Speaker 5: the next twelve months, we're going to give you another

542
00:23:06,320 --> 00:23:07,840
Speaker 5: twenty five the hours to fill with kries.

543
00:23:07,920 --> 00:23:09,440
Speaker 4: And so I was like, oh my god, I don't

544
00:23:09,440 --> 00:23:10,640
Speaker 4: even know what to say right now.

545
00:23:11,000 --> 00:23:12,879
Speaker 1: My Jewey is on the floor. So are you going

546
00:23:12,960 --> 00:23:14,720
Speaker 1: to go out to one fifty soon if you hit

547
00:23:14,760 --> 00:23:16,600
Speaker 1: your KPIs June.

548
00:23:16,440 --> 00:23:17,160
Speaker 4: Should be June.

549
00:23:17,400 --> 00:23:23,960
Speaker 1: Oh you are iconic. So obviously there's some good cash

550
00:23:24,000 --> 00:23:26,200
Speaker 1: coming in. And can I make an assumption that your

551
00:23:26,320 --> 00:23:28,600
Speaker 1: husband earns something similar at the moment he.

552
00:23:28,560 --> 00:23:31,119
Speaker 5: Does, I'm going to earn him when I get the

553
00:23:31,400 --> 00:23:32,280
Speaker 5: pay rise.

554
00:23:32,640 --> 00:23:33,760
Speaker 4: On coen behavior.

555
00:23:33,920 --> 00:23:35,879
Speaker 5: I actually said to him when I told him what happened,

556
00:23:35,920 --> 00:23:37,360
Speaker 5: I'm like, does that bother you?

557
00:23:37,400 --> 00:23:40,040
Speaker 4: And he's like, hell no. He's like, if that means

558
00:23:40,040 --> 00:23:41,560
Speaker 4: I can retire early, go for it.

559
00:23:42,040 --> 00:23:46,240
Speaker 1: But also, what the hell if any man is intimidated

560
00:23:46,280 --> 00:23:48,920
Speaker 1: by what a woman earns? Like just walk? Just walk

561
00:23:49,160 --> 00:23:50,080
Speaker 1: like one out of ten.

562
00:23:50,240 --> 00:23:52,600
Speaker 5: Totally, That's what I was kind of like, this could

563
00:23:52,600 --> 00:23:53,960
Speaker 5: go one of two ways this question.

564
00:23:54,119 --> 00:23:55,960
Speaker 1: You've got to test the waters because I never thought

565
00:23:55,960 --> 00:23:59,000
Speaker 1: this would be a reality totally. Oh my goodness. So

566
00:23:59,480 --> 00:24:01,960
Speaker 1: what are your money goals? What are you currently working towards?

567
00:24:02,040 --> 00:24:04,320
Speaker 1: You obviously had the big money goal of getting out

568
00:24:04,320 --> 00:24:06,520
Speaker 1: of debt and you smashed that out. So what do

569
00:24:06,640 --> 00:24:08,199
Speaker 1: the big money goals now look like?

570
00:24:08,400 --> 00:24:10,679
Speaker 5: So have straight I wrote them down? So the first

571
00:24:10,680 --> 00:24:13,439
Speaker 5: one is we are going to buy a house? Is

572
00:24:13,480 --> 00:24:16,800
Speaker 5: she I actually reached out to Zella last month and

573
00:24:16,840 --> 00:24:17,680
Speaker 5: we've got oh my.

574
00:24:17,720 --> 00:24:19,560
Speaker 1: God, good idea.

575
00:24:19,800 --> 00:24:23,359
Speaker 5: We've got our first meeting with Solicity the week after next,

576
00:24:23,520 --> 00:24:24,800
Speaker 5: so I'm very excited.

577
00:24:24,880 --> 00:24:27,760
Speaker 1: Oh my gosh, Flick is gorgeous. You're gonna love her.

578
00:24:28,119 --> 00:24:31,080
Speaker 1: She's new to their team, but I've gotten her because

579
00:24:31,080 --> 00:24:33,879
Speaker 1: she's come back as a broker after Matt Leaf. Oh

580
00:24:33,880 --> 00:24:35,640
Speaker 1: she's a mum. I think you two will get on.

581
00:24:35,840 --> 00:24:37,520
Speaker 1: I think you too will get on. And she's just

582
00:24:37,640 --> 00:24:40,359
Speaker 1: you know those people that like just get it like

583
00:24:40,440 --> 00:24:43,399
Speaker 1: she just gets it, like she pulls it all together

584
00:24:43,600 --> 00:24:46,640
Speaker 1: so quickly. I'm so excited. Anyway, I won't keep talking

585
00:24:46,680 --> 00:24:48,719
Speaker 1: about Flick because I know that she'll probably listen to this.

586
00:24:50,160 --> 00:24:52,080
Speaker 5: And we're actually doing the big move. So we're moving

587
00:24:52,119 --> 00:24:54,160
Speaker 5: from Sydney up to the Blue Mountains.

588
00:24:53,760 --> 00:24:56,240
Speaker 1: A little bit of a tree change, yeah, totally.

589
00:24:56,280 --> 00:24:58,680
Speaker 5: And my husband and I are on really good salaries,

590
00:24:58,760 --> 00:25:03,040
Speaker 5: but because we haven't bought before, it is so hard

591
00:25:03,080 --> 00:25:05,119
Speaker 5: to get into the market in city, even on the

592
00:25:05,200 --> 00:25:07,639
Speaker 5: salaries on and people like I said that to someone

593
00:25:07,680 --> 00:25:09,359
Speaker 5: before and like, but you earn so much money, and

594
00:25:09,359 --> 00:25:10,520
Speaker 5: I'm like, it doesn't matter.

595
00:25:11,040 --> 00:25:13,240
Speaker 4: We would only just be able to service alone.

596
00:25:13,600 --> 00:25:15,879
Speaker 5: And that would be cutting everything back to basics, So

597
00:25:16,000 --> 00:25:18,080
Speaker 5: no extras for the kids, no swimming lessons.

598
00:25:18,640 --> 00:25:20,480
Speaker 4: I yeah, it's not possible.

599
00:25:20,480 --> 00:25:22,600
Speaker 5: So we're going to move to the Blue Mountains because

600
00:25:22,840 --> 00:25:24,520
Speaker 5: we love it up there. We go for quite a

601
00:25:24,560 --> 00:25:26,800
Speaker 5: few like day trips up there, we spend a lot

602
00:25:26,800 --> 00:25:29,200
Speaker 5: of time up there, and it's where we feel home

603
00:25:29,280 --> 00:25:31,680
Speaker 5: when we get up there, and so we're super excited.

604
00:25:31,800 --> 00:25:33,040
Speaker 1: Oh yeah, that feeling.

605
00:25:33,359 --> 00:25:33,919
Speaker 4: I love that.

606
00:25:34,280 --> 00:25:37,360
Speaker 1: And also, I just don't think people understand how genuinely

607
00:25:37,400 --> 00:25:39,639
Speaker 1: hard it is to get into your first home. Like

608
00:25:39,680 --> 00:25:41,760
Speaker 1: and obviously, like not everyone's going to go on a

609
00:25:41,800 --> 00:25:44,919
Speaker 1: property investing journey, but like the first property is the

610
00:25:44,960 --> 00:25:48,199
Speaker 1: hardest to get into because you not only need like

611
00:25:48,280 --> 00:25:51,399
Speaker 1: a complete deposit, but like it's the first time that

612
00:25:51,440 --> 00:25:54,480
Speaker 1: you're going to experience mortgage stress. It's the first time

613
00:25:54,560 --> 00:25:57,320
Speaker 1: that you're going through this entire process, and you forget

614
00:25:57,520 --> 00:26:00,320
Speaker 1: how many additional extras there are going to be, like

615
00:26:00,680 --> 00:26:03,800
Speaker 1: paying for a conveyancer, paying for building and pest, Like

616
00:26:04,040 --> 00:26:07,360
Speaker 1: what's stamp duty going to look like? As first home buyers, Yes,

617
00:26:07,440 --> 00:26:09,760
Speaker 1: you could probably get a waiver on that if you

618
00:26:09,760 --> 00:26:12,119
Speaker 1: buy under a certain amount, but you've got two kids

619
00:26:12,119 --> 00:26:14,080
Speaker 1: and a husband, and I'm assuming you don't want to

620
00:26:14,119 --> 00:26:17,639
Speaker 1: buy something that's relatively cheap because that's not going to

621
00:26:17,640 --> 00:26:20,159
Speaker 1: get you the location you want. So we're talking about

622
00:26:20,200 --> 00:26:23,879
Speaker 1: stamp duty, like there's just so many different things involved

623
00:26:23,920 --> 00:26:27,479
Speaker 1: that then often become overwhelming, and you're just like, I'm

624
00:26:27,560 --> 00:26:29,439
Speaker 1: never going to get in. But I'm excited for you

625
00:26:29,480 --> 00:26:30,960
Speaker 1: to sit down with Flick because you can take you

626
00:26:31,000 --> 00:26:31,680
Speaker 1: through everything.

627
00:26:31,800 --> 00:26:34,200
Speaker 5: Yeah, I'm excited too, And speaking of the house things,

628
00:26:34,240 --> 00:26:36,800
Speaker 5: So it took me a really long time to get

629
00:26:36,800 --> 00:26:39,640
Speaker 5: to the point of being okay with buying house because

630
00:26:39,680 --> 00:26:40,440
Speaker 5: my husband.

631
00:26:40,200 --> 00:26:41,400
Speaker 4: And I grew up quite differently.

632
00:26:41,520 --> 00:26:43,760
Speaker 5: His family quite well off, so he always had everything

633
00:26:43,800 --> 00:26:46,960
Speaker 5: he needed UNTI a really good school, and so he's

634
00:26:47,000 --> 00:26:49,560
Speaker 5: never bought either. So it's really it was similar to

635
00:26:49,560 --> 00:26:50,960
Speaker 5: what you were saying with you and your husband. It

636
00:26:51,000 --> 00:26:52,400
Speaker 5: was never a goal of mine, but it's a goal

637
00:26:52,440 --> 00:26:55,120
Speaker 5: of his. And so I was like, I'm not sure.

638
00:26:55,119 --> 00:26:56,440
Speaker 5: I don't think we can do this. When we're talking

639
00:26:56,440 --> 00:26:58,840
Speaker 5: about living in Sydney, I just kept saying to him,

640
00:26:58,880 --> 00:27:00,800
Speaker 5: we're not going to be able to service. We literally

641
00:27:00,800 --> 00:27:02,640
Speaker 5: like I worked in numbers and like you don't.

642
00:27:02,480 --> 00:27:05,440
Speaker 1: Want that stress. And don't get me wrong, Historically that's

643
00:27:05,440 --> 00:27:09,439
Speaker 1: been so like right of passage, but now it's like

644
00:27:09,560 --> 00:27:13,240
Speaker 1: that quote rite of passage actually becomes an entire burden

645
00:27:13,440 --> 00:27:16,120
Speaker 1: and I'd actually prefer to rent. Like I remember when

646
00:27:16,200 --> 00:27:18,000
Speaker 1: I didn't think it would be a reality for me,

647
00:27:18,040 --> 00:27:19,840
Speaker 1: and I was trying to like way up what that

648
00:27:19,880 --> 00:27:22,480
Speaker 1: would look like. I was like, that just feels like

649
00:27:22,680 --> 00:27:25,159
Speaker 1: too much, Like I don't actually want to do that.

650
00:27:25,200 --> 00:27:26,840
Speaker 1: And I think that at the very start of my

651
00:27:27,000 --> 00:27:28,959
Speaker 1: you know, I got out of debt and then I

652
00:27:29,000 --> 00:27:31,879
Speaker 1: started investing in the share market because that was accessible

653
00:27:31,920 --> 00:27:34,679
Speaker 1: for me. I was like, this feels good, Like I

654
00:27:34,680 --> 00:27:36,760
Speaker 1: didn't want to take that step because it just felt

655
00:27:36,800 --> 00:27:39,760
Speaker 1: like too much. And it would have been had I

656
00:27:39,800 --> 00:27:42,600
Speaker 1: stayed on the same salary, if we're being honest, like

657
00:27:42,640 --> 00:27:45,159
Speaker 1: it just wouldn't have worked out. And that's okay, but

658
00:27:45,520 --> 00:27:46,960
Speaker 1: I think we need to talk about that more.

659
00:27:47,000 --> 00:27:48,640
Speaker 4: Hey, totally, totally.

660
00:27:48,680 --> 00:27:51,800
Speaker 5: And so I'm actually reading your property book at the moment.

661
00:27:51,880 --> 00:27:54,920
Speaker 1: I hope that's a good book, great author, it's right.

662
00:27:54,920 --> 00:27:55,480
Speaker 4: It's so good.

663
00:27:55,480 --> 00:27:57,359
Speaker 5: I'm about halfway through, and there's so many things in

664
00:27:57,400 --> 00:28:01,359
Speaker 5: there that I just didn't even like process or no

665
00:28:01,480 --> 00:28:02,919
Speaker 5: that was part of the process, and I was like,

666
00:28:02,920 --> 00:28:05,359
Speaker 5: oh gosh, okay, but it's good to know. I'm one

667
00:28:05,400 --> 00:28:06,560
Speaker 5: of those people that likes to have all of the

668
00:28:06,560 --> 00:28:08,760
Speaker 5: facts upfront. I like to know everything about everything that

669
00:28:08,760 --> 00:28:09,400
Speaker 5: I'm going into.

670
00:28:09,480 --> 00:28:12,320
Speaker 1: That's what I wrote that book for. Like, literally, here

671
00:28:12,440 --> 00:28:14,520
Speaker 1: is everything here, all of the things that you need

672
00:28:14,560 --> 00:28:16,480
Speaker 1: to look at. Here's a checklist of what I want

673
00:28:16,520 --> 00:28:19,560
Speaker 1: you to take to your first home inspection. Like it's

674
00:28:19,600 --> 00:28:22,040
Speaker 1: literally the book that if I could hold your hand

675
00:28:22,160 --> 00:28:25,720
Speaker 1: through the entire process, I would. And lots of people,

676
00:28:25,880 --> 00:28:29,240
Speaker 1: and like even lots of my clients, they like post

677
00:28:29,280 --> 00:28:31,679
Speaker 1: it note different sections to come back to, or like

678
00:28:31,720 --> 00:28:34,320
Speaker 1: they take the actual book to their house inspections because

679
00:28:34,320 --> 00:28:37,360
Speaker 1: it's got the lists and stuff in it, which can

680
00:28:37,440 --> 00:28:38,400
Speaker 1: be really helpful.

681
00:28:38,560 --> 00:28:42,239
Speaker 4: Yes, totally. And then my second one is we are

682
00:28:42,320 --> 00:28:43,240
Speaker 4: going on.

683
00:28:43,200 --> 00:28:46,560
Speaker 5: A big holiday to the USA in twenty thirty one.

684
00:28:47,080 --> 00:28:50,160
Speaker 5: My husband's turning fifty and my auntie's turning seventy and

685
00:28:50,200 --> 00:28:51,520
Speaker 5: one of my cousins is turning forty.

686
00:28:51,560 --> 00:28:53,720
Speaker 4: So we're doing a big fairly holiday.

687
00:28:53,280 --> 00:28:55,440
Speaker 1: Over the Oh my goodness, Yeah, I'm so excited.

688
00:28:55,440 --> 00:28:56,200
Speaker 4: We're going to go on.

689
00:28:56,440 --> 00:28:58,600
Speaker 5: So my husband's dream has always been to go skiing

690
00:28:58,720 --> 00:28:59,840
Speaker 5: in Colorado, when he turns.

691
00:29:00,760 --> 00:29:01,680
Speaker 4: And so we're going.

692
00:29:01,640 --> 00:29:05,640
Speaker 5: To go over just after Christmas of twenty thirty and

693
00:29:05,680 --> 00:29:07,840
Speaker 5: go skiing and then go and meet my family in

694
00:29:07,920 --> 00:29:10,080
Speaker 5: Florida and we're all doing a big Disney cruise together,

695
00:29:10,120 --> 00:29:11,040
Speaker 5: at a big Disney trip.

696
00:29:11,120 --> 00:29:13,719
Speaker 1: That will be so fun. Ms Ters Gorici would be

697
00:29:13,840 --> 00:29:14,880
Speaker 1: so jealous.

698
00:29:15,200 --> 00:29:16,200
Speaker 4: I'm so excited.

699
00:29:16,280 --> 00:29:17,960
Speaker 1: Oh my goodness, how old will your kids be?

700
00:29:18,240 --> 00:29:20,480
Speaker 5: Well, my daughter's going to be turning twelve like two

701
00:29:20,520 --> 00:29:23,120
Speaker 5: weeks later and starting high school, and my son will

702
00:29:23,160 --> 00:29:25,000
Speaker 5: be ten, not none younger.

703
00:29:25,080 --> 00:29:25,480
Speaker 4: Yeah.

704
00:29:25,320 --> 00:29:27,440
Speaker 1: Yeah, that's an age where they're not going to forget

705
00:29:27,480 --> 00:29:29,160
Speaker 1: it either. Like if you took them when they were

706
00:29:29,160 --> 00:29:31,360
Speaker 1: so young, they'd be like, oh maybe I remember it

707
00:29:31,360 --> 00:29:34,080
Speaker 1: if you show me pictures. But like those ages, they're

708
00:29:34,080 --> 00:29:35,600
Speaker 1: going to remember it and they get.

709
00:29:35,480 --> 00:29:37,760
Speaker 5: To go with other cousins and everything. I'm so excited.

710
00:29:37,880 --> 00:29:39,080
Speaker 5: I'm so excited.

711
00:29:39,320 --> 00:29:41,400
Speaker 1: Oh my goodness, I know it's far away that like

712
00:29:41,480 --> 00:29:44,760
Speaker 1: that is so fun. And to be honest, you're going

713
00:29:44,800 --> 00:29:47,160
Speaker 1: to go into that holiday because I can see your

714
00:29:47,200 --> 00:29:50,200
Speaker 1: mindset and how you're planning for it already. You're going

715
00:29:50,200 --> 00:29:52,040
Speaker 1: into that holiday and you're not going to have any

716
00:29:52,040 --> 00:29:54,160
Speaker 1: financial stress. I'm assuming the whole thing's going to be

717
00:29:54,240 --> 00:29:57,520
Speaker 1: completely paid off by the time you get to that holiday. Yeah,

718
00:29:57,520 --> 00:29:59,440
Speaker 1: my husband and I sat down into the numbers and

719
00:29:59,480 --> 00:30:01,560
Speaker 1: worked at how much we need to save each fortnite,

720
00:30:01,560 --> 00:30:04,920
Speaker 1: so we put that away. And then my third goal

721
00:30:05,160 --> 00:30:09,560
Speaker 1: is so I have started investing, like I invested on

722
00:30:09,600 --> 00:30:11,680
Speaker 1: and off with Chaseys, and then I panicked and sold

723
00:30:11,720 --> 00:30:14,120
Speaker 1: them all and then as you do when you don't

724
00:30:14,160 --> 00:30:14,720
Speaker 1: know what you're doing.

725
00:30:14,960 --> 00:30:18,440
Speaker 5: And then I actually, when I got all my finances

726
00:30:18,480 --> 00:30:21,080
Speaker 5: in order last year, I started with fifty dollars a fortnight,

727
00:30:21,200 --> 00:30:23,920
Speaker 5: and then I worked my numbers again and changed it

728
00:30:23,920 --> 00:30:26,280
Speaker 5: to one hundred and fifty. And then by taking money

729
00:30:26,280 --> 00:30:29,080
Speaker 5: off the money that I allow myself to spend on

730
00:30:29,120 --> 00:30:31,560
Speaker 5: discussionary stuff each fortnite, I took the money from there

731
00:30:31,600 --> 00:30:34,320
Speaker 5: and pulled it into my investing one. And then I

732
00:30:34,360 --> 00:30:36,720
Speaker 5: also did that again recently to so I'm doing two

733
00:30:36,760 --> 00:30:37,560
Speaker 5: hundred a fortnite.

734
00:30:37,600 --> 00:30:39,840
Speaker 1: Who are you? Four hundred bucks a month? You found

735
00:30:39,840 --> 00:30:42,600
Speaker 1: four hundred dollars a month to invest? Excuse me?

736
00:30:42,680 --> 00:30:43,240
Speaker 4: Who are you?

737
00:30:44,080 --> 00:30:46,520
Speaker 1: I'm going to go back to previous goo and tap

738
00:30:46,560 --> 00:30:48,320
Speaker 1: you on the shoulder and be like, hey, I know

739
00:30:48,360 --> 00:30:51,320
Speaker 1: you just took on your shitty ex boyfriend's twenty thousand

740
00:30:51,320 --> 00:30:53,280
Speaker 1: dollar alone. But let me just give you a peek

741
00:30:53,280 --> 00:30:55,840
Speaker 1: into the future, because it's looking sick.

742
00:30:56,480 --> 00:30:58,880
Speaker 5: It is, And I have already said to my husband

743
00:30:58,880 --> 00:31:01,000
Speaker 5: at once that pay rise come through and we've put

744
00:31:01,040 --> 00:31:03,920
Speaker 5: away for the mortgage and everything like that, I'm going

745
00:31:03,960 --> 00:31:07,400
Speaker 5: to put all that extra money into investing because the

746
00:31:07,400 --> 00:31:09,440
Speaker 5: way the world is right now, I'm a bit nervous

747
00:31:09,440 --> 00:31:10,520
Speaker 5: about how everything's going.

748
00:31:10,680 --> 00:31:12,840
Speaker 1: So look at you. You are going to be so

749
00:31:13,200 --> 00:31:14,520
Speaker 1: financially secure.

750
00:31:14,920 --> 00:31:15,720
Speaker 4: Yeah.

751
00:31:15,840 --> 00:31:17,760
Speaker 5: The most important thing for me with that is to

752
00:31:17,840 --> 00:31:19,840
Speaker 5: be able to pass on a legacy to my kids

753
00:31:19,880 --> 00:31:22,400
Speaker 5: and their kids if they decide to have kids one day.

754
00:31:22,480 --> 00:31:26,160
Speaker 5: And just creating that generational wealth that we have had.

755
00:31:26,320 --> 00:31:28,160
Speaker 1: Oh my god, you deserve it and so much more.

756
00:31:28,200 --> 00:31:30,520
Speaker 1: I am so obsessed, like I adore that you get

757
00:31:30,520 --> 00:31:32,160
Speaker 1: to do. It makes me a little bit teary when

758
00:31:32,280 --> 00:31:36,040
Speaker 1: people are literally changing their entire lives. All right, I

759
00:31:36,040 --> 00:31:37,640
Speaker 1: have a lot of questions. Let's go to a really

760
00:31:37,720 --> 00:31:40,000
Speaker 1: quick break and on the flip side, we'll jump straight

761
00:31:40,040 --> 00:31:46,480
Speaker 1: back in. All right, money diarist, we are back. And

762
00:31:46,880 --> 00:31:49,360
Speaker 1: before you told me that you've managed to find four

763
00:31:49,440 --> 00:31:53,400
Speaker 1: hundred bucks a month to invest which is so cool

764
00:31:53,480 --> 00:31:56,040
Speaker 1: and so impactful. And you're getting a pay rise soon,

765
00:31:56,440 --> 00:31:58,760
Speaker 1: so more money is going to go into that, which

766
00:31:58,800 --> 00:32:02,200
Speaker 1: is very exciting. What are you investing in, though, So

767
00:32:02,240 --> 00:32:04,600
Speaker 1: tell me a little bit more about the investments that

768
00:32:04,680 --> 00:32:04,920
Speaker 1: you have.

769
00:32:05,160 --> 00:32:07,680
Speaker 4: Okay, I wrote all this town. So I have a

770
00:32:07,680 --> 00:32:09,120
Speaker 4: little bit in crypto that.

771
00:32:09,160 --> 00:32:11,520
Speaker 5: Was more of an Instagram ad popped up, and it

772
00:32:11,600 --> 00:32:13,200
Speaker 5: was for one of the platforms that it was like,

773
00:32:13,240 --> 00:32:15,320
Speaker 5: if you invest, we'll give you thirty dollars a bitcoin.

774
00:32:15,760 --> 00:32:17,440
Speaker 4: So I was like, I'll put thirty bucks in.

775
00:32:17,600 --> 00:32:20,440
Speaker 5: So currently that's sitting at forty five dollars seventeen because

776
00:32:20,480 --> 00:32:23,320
Speaker 5: it's just absolutely gone down and I'm so glad that

777
00:32:23,400 --> 00:32:24,280
Speaker 5: I don't have any.

778
00:32:24,120 --> 00:32:24,520
Speaker 4: More in that.

779
00:32:24,600 --> 00:32:27,640
Speaker 1: I wish I was as impactful as Instagram ads could be.

780
00:32:28,600 --> 00:32:31,680
Speaker 1: But in how Instagram ads like they just get you sometime,

781
00:32:31,920 --> 00:32:34,239
Speaker 1: and TikTok ads they get me. There's stuff that I

782
00:32:34,280 --> 00:32:36,520
Speaker 1: have purchased from a TikTok ad. I'm like, hold on,

783
00:32:36,560 --> 00:32:39,960
Speaker 1: how do I harness this sense of urgency and then

784
00:32:40,000 --> 00:32:42,440
Speaker 1: get people to get out of debt? It just doesn't

785
00:32:42,440 --> 00:32:43,520
Speaker 1: work the same, does it.

786
00:32:43,640 --> 00:32:45,720
Speaker 4: No? I wish it did. I really wish it did.

787
00:32:45,800 --> 00:32:47,120
Speaker 1: I'm going to keep trying though.

788
00:32:48,240 --> 00:32:50,560
Speaker 5: And then I've also got so at the moment, I've

789
00:32:50,600 --> 00:32:54,160
Speaker 5: got one thousand and eighty dollars in shares, and so

790
00:32:54,200 --> 00:32:57,760
Speaker 5: that's made up of I've got three ets to rate,

791
00:32:57,880 --> 00:33:01,800
Speaker 5: so the real estate Investment Trust, one direct share, and

792
00:33:01,840 --> 00:33:05,000
Speaker 5: then my super sitting at in this, I'm really proud

793
00:33:05,040 --> 00:33:06,760
Speaker 5: of almost one hundred and twenty five k.

794
00:33:07,120 --> 00:33:07,680
Speaker 1: Excuse me?

795
00:33:07,720 --> 00:33:08,600
Speaker 4: What? Yeah?

796
00:33:08,640 --> 00:33:12,000
Speaker 1: How what is that? Because you worked from birth or like,

797
00:33:12,120 --> 00:33:13,120
Speaker 1: what's going on there?

798
00:33:13,360 --> 00:33:17,640
Speaker 5: No, So the insurance company actually paid above ward super,

799
00:33:17,720 --> 00:33:19,440
Speaker 5: so they paid when it was sitting at the nine percent,

800
00:33:19,480 --> 00:33:20,440
Speaker 5: they were paying thirteen.

801
00:33:20,680 --> 00:33:23,640
Speaker 6: So for all those years, that is so good.

802
00:33:24,280 --> 00:33:28,080
Speaker 5: Yeah, even though my salary was average, because they were

803
00:33:28,080 --> 00:33:31,080
Speaker 5: paying that above awards super, it's huge.

804
00:33:31,120 --> 00:33:33,120
Speaker 4: Like my husband's super. I'm not going to say what

805
00:33:33,160 --> 00:33:34,520
Speaker 4: it is because it doesn't want me to, but.

806
00:33:34,400 --> 00:33:36,640
Speaker 5: My husband's one because they've been paying that for so

807
00:33:36,720 --> 00:33:38,080
Speaker 5: long is enormous as well.

808
00:33:38,200 --> 00:33:39,680
Speaker 4: So even if we didn't have.

809
00:33:39,880 --> 00:33:43,880
Speaker 1: Oh you guys, I'm so excited for you. That's literally

810
00:33:43,920 --> 00:33:45,000
Speaker 1: the bloody best.

811
00:33:45,280 --> 00:33:47,840
Speaker 4: Yeah. So we set up for retirement.

812
00:33:47,880 --> 00:33:52,120
Speaker 5: We did one of those forecasters and it's just to

813
00:33:52,240 --> 00:33:54,560
Speaker 5: see that number, it's it's unbelievable.

814
00:33:54,840 --> 00:33:57,160
Speaker 1: Yeah, you just go actually, life's going to work out

815
00:33:57,160 --> 00:33:57,440
Speaker 1: for me.

816
00:33:57,840 --> 00:33:58,280
Speaker 4: Yeah.

817
00:33:58,320 --> 00:34:00,680
Speaker 1: But isn't it funny because like when you're younger, I

818
00:34:00,680 --> 00:34:03,640
Speaker 1: think you just assume these things happen. And I was

819
00:34:03,680 --> 00:34:06,480
Speaker 1: doing a talk the other day, like one of these

820
00:34:06,480 --> 00:34:09,480
Speaker 1: International Women's Day talk presentation things that I do, and

821
00:34:09,520 --> 00:34:11,520
Speaker 1: I was like, I used to just think that things

822
00:34:11,560 --> 00:34:14,239
Speaker 1: would just work out, like things would just happen and

823
00:34:14,239 --> 00:34:16,920
Speaker 1: fall into place. Like when I was eighteen and I'd

824
00:34:16,920 --> 00:34:18,759
Speaker 1: started full time work and I looked at all these

825
00:34:18,800 --> 00:34:21,080
Speaker 1: thirty year olds, I thought that they had their stuff together.

826
00:34:21,440 --> 00:34:22,600
Speaker 1: Like I would look at them and be like, oh

827
00:34:22,640 --> 00:34:24,520
Speaker 1: my goodness, like they've just had their first baby, or

828
00:34:24,560 --> 00:34:27,680
Speaker 1: they're just doing it, like they must have their shit together.

829
00:34:28,200 --> 00:34:30,080
Speaker 1: And then the more you learn about people, the more

830
00:34:30,120 --> 00:34:33,160
Speaker 1: you realize actually doesn't work out for you. It works

831
00:34:33,200 --> 00:34:35,480
Speaker 1: out because you worked for it, and it works out

832
00:34:35,520 --> 00:34:37,720
Speaker 1: because you made a plan, and most people don't actually

833
00:34:37,760 --> 00:34:40,680
Speaker 1: have a plan, and most people are actually not in

834
00:34:40,719 --> 00:34:43,160
Speaker 1: a good position, even though they look like they are.

835
00:34:43,440 --> 00:34:45,480
Speaker 1: And the more that you learn, the more that you're like, oh,

836
00:34:45,640 --> 00:34:48,319
Speaker 1: actually I need to do this for me so that

837
00:34:48,680 --> 00:34:51,000
Speaker 1: I can say life worked out for me. But it's

838
00:34:51,080 --> 00:34:53,399
Speaker 1: because I did the work, and I think so many

839
00:34:53,400 --> 00:34:56,040
Speaker 1: times we just hope that the work doesn't have to

840
00:34:56,080 --> 00:34:58,799
Speaker 1: be done. But when you start doing the work like

841
00:34:58,920 --> 00:35:02,240
Speaker 1: you have, you feel like a different human being totally.

842
00:35:02,440 --> 00:35:05,200
Speaker 5: I don't have that anxiety inducing waking up in the

843
00:35:05,239 --> 00:35:06,920
Speaker 5: middle of the night, go oh my god, how am

844
00:35:06,920 --> 00:35:07,160
Speaker 5: I going.

845
00:35:07,120 --> 00:35:07,880
Speaker 4: To pay this off?

846
00:35:08,200 --> 00:35:11,719
Speaker 1: It's life changing, isn't it. It's so cool. So talk

847
00:35:11,760 --> 00:35:14,560
Speaker 1: to me about debt. I'm assuming you don't have any debt,

848
00:35:14,600 --> 00:35:17,120
Speaker 1: but you're planning to go into debt when you purchase

849
00:35:17,160 --> 00:35:18,000
Speaker 1: a property.

850
00:35:17,719 --> 00:35:19,600
Speaker 4: Correct, So I have no debt.

851
00:35:19,800 --> 00:35:22,759
Speaker 1: That's so sexy. It should there should be like a

852
00:35:22,800 --> 00:35:25,840
Speaker 1: sound effect which is like balloons popping and champagne and

853
00:35:25,840 --> 00:35:26,600
Speaker 1: people cheering.

854
00:35:27,080 --> 00:35:29,040
Speaker 4: Yes, in my head that happens when I say that.

855
00:35:29,160 --> 00:35:30,640
Speaker 4: So I've got that there.

856
00:35:30,960 --> 00:35:33,280
Speaker 5: But yeah, So we're looking to take on a mortgage,

857
00:35:33,320 --> 00:35:36,799
Speaker 5: and so our mortgage will be between.

858
00:35:36,840 --> 00:35:39,440
Speaker 4: Eight hundred and nine hundred and fifty depending on what

859
00:35:39,480 --> 00:35:40,040
Speaker 4: we end up with.

860
00:35:40,120 --> 00:35:43,200
Speaker 5: I don't want to spend any more than about nine hundred,

861
00:35:43,280 --> 00:35:46,600
Speaker 5: which is doable where we're going to move to. Because

862
00:35:46,800 --> 00:35:49,480
Speaker 5: with that, I've done a couple of the online calculators

863
00:35:49,520 --> 00:35:51,360
Speaker 5: and the average of that we will be able to

864
00:35:51,400 --> 00:35:53,200
Speaker 5: comfortably live and the kids are still be able to

865
00:35:53,200 --> 00:35:55,200
Speaker 5: do the extracurriculars and all that sort of stuff.

866
00:35:55,239 --> 00:35:58,719
Speaker 1: So yeah, gorgeous. It's so important to remember that, and

867
00:35:58,800 --> 00:36:01,040
Speaker 1: it feels like you've got your heads growed on because

868
00:36:01,080 --> 00:36:03,640
Speaker 1: sometimes you'll go and just go, what can we borrow?

869
00:36:03,719 --> 00:36:05,480
Speaker 1: Like what can we borrow up to? And then you

870
00:36:05,560 --> 00:36:08,200
Speaker 1: see that as like a spend limit. And don't get

871
00:36:08,200 --> 00:36:09,919
Speaker 1: me wrong, some people do that and it works out

872
00:36:09,960 --> 00:36:13,279
Speaker 1: for them. But it's so important to go, actually, what's

873
00:36:13,320 --> 00:36:15,200
Speaker 1: going to give me the best work life balance? Because

874
00:36:15,239 --> 00:36:17,840
Speaker 1: actually the mortgage I'm signing up for is for thirty years,

875
00:36:18,200 --> 00:36:20,920
Speaker 1: and like I know that. It sometimes feels like, oh,

876
00:36:20,960 --> 00:36:22,799
Speaker 1: for the next year, we'll just you know, cut back

877
00:36:22,800 --> 00:36:25,880
Speaker 1: on the kids swimming lessons, but like that's going to

878
00:36:25,920 --> 00:36:29,280
Speaker 1: happen for their entire school career. So what does.

879
00:36:29,160 --> 00:36:29,799
Speaker 4: That look like?

880
00:36:29,880 --> 00:36:32,640
Speaker 1: Are you happy with that? How do we work with

881
00:36:32,719 --> 00:36:35,719
Speaker 1: a number that gives you work life or work mortgage

882
00:36:35,760 --> 00:36:39,400
Speaker 1: balance or life mortgage balance or whatever we want to

883
00:36:39,440 --> 00:36:42,080
Speaker 1: call it. The places around where we are now, like

884
00:36:42,120 --> 00:36:45,120
Speaker 1: we ideally we'd love to stay there, but they're like

885
00:36:45,280 --> 00:36:48,160
Speaker 1: one point four upwards. And I just said to my husband,

886
00:36:48,320 --> 00:36:50,040
Speaker 1: we literally cannot afford that.

887
00:36:50,160 --> 00:36:51,280
Speaker 4: And I refuse.

888
00:36:51,360 --> 00:36:52,879
Speaker 5: I'm like, I know we're going to buy a house,

889
00:36:52,920 --> 00:36:54,680
Speaker 5: but I put my foot down at that. I'm not

890
00:36:54,760 --> 00:36:58,080
Speaker 5: giving up what we have now just to be able

891
00:36:58,120 --> 00:36:58,879
Speaker 5: to get into a house.

892
00:36:58,920 --> 00:36:59,439
Speaker 4: It's their own.

893
00:36:59,560 --> 00:37:02,880
Speaker 1: Yeah, looking at your income and knowing that your husband's

894
00:37:02,920 --> 00:37:05,000
Speaker 1: semi on the same link, you could be approved for

895
00:37:05,120 --> 00:37:07,120
Speaker 1: up to that depending on the deposit that you have,

896
00:37:07,680 --> 00:37:10,319
Speaker 1: But that doesn't mean And it's funny, right you said

897
00:37:10,400 --> 00:37:14,400
Speaker 1: we cannot afford that, but the reality is technically you could,

898
00:37:15,120 --> 00:37:19,120
Speaker 1: but we will not be affording that is a different story,

899
00:37:19,239 --> 00:37:21,560
Speaker 1: and that's such an empowering position to be in. It's

900
00:37:21,600 --> 00:37:23,680
Speaker 1: like no, no, no, Like it's not because we don't

901
00:37:23,719 --> 00:37:27,040
Speaker 1: have the cash. It's because I'm not willing to sacrifice

902
00:37:27,040 --> 00:37:31,400
Speaker 1: my values, and like the power in that is so cool.

903
00:37:31,640 --> 00:37:31,960
Speaker 4: Totally.

904
00:37:32,040 --> 00:37:34,600
Speaker 5: I have to stop myself as well, because I'm still

905
00:37:34,640 --> 00:37:37,360
Speaker 5: in that habit of saying I can't afford that, and

906
00:37:37,400 --> 00:37:40,319
Speaker 5: I catch myself saying that to the kids and I'm like, oh,

907
00:37:40,360 --> 00:37:42,839
Speaker 5: I have to really reel myself in and go we

908
00:37:42,880 --> 00:37:45,279
Speaker 5: can afford it. And we're teaching that. So we've been

909
00:37:45,320 --> 00:37:47,239
Speaker 5: teaching our daughter about money as well. And I'm taking

910
00:37:47,280 --> 00:37:49,000
Speaker 5: full credit for this because my husband just went along

911
00:37:49,000 --> 00:37:49,600
Speaker 5: for the ride.

912
00:37:49,680 --> 00:37:50,560
Speaker 4: I saw a TikTok.

913
00:37:50,560 --> 00:37:51,280
Speaker 1: He's in the backseat.

914
00:37:51,360 --> 00:37:52,840
Speaker 4: Yeah, he is. He just agrees with it. He's just

915
00:37:52,920 --> 00:37:53,600
Speaker 4: that you go for it.

916
00:37:53,640 --> 00:37:56,080
Speaker 5: So it's similar to what the barefoot investor does. But

917
00:37:56,320 --> 00:37:58,960
Speaker 5: she gets four jars and one of them is a spender,

918
00:37:59,200 --> 00:38:01,880
Speaker 5: one's a savior, one's an investor, then one's a gift ja.

919
00:38:02,280 --> 00:38:05,560
Speaker 5: And so she gets twelve dollars pocket money a week.

920
00:38:05,680 --> 00:38:07,719
Speaker 4: We do two dollars based on how old she is

921
00:38:07,760 --> 00:38:09,040
Speaker 4: per year. But she's been alive.

922
00:38:09,080 --> 00:38:10,920
Speaker 1: Oh my goodness, I love that when I was little,

923
00:38:10,960 --> 00:38:14,319
Speaker 1: and obviously times have changed. Mine was fifty cents per year.

924
00:38:14,520 --> 00:38:17,520
Speaker 1: Now that inflation's pretty good. I'm not going to lie

925
00:38:17,760 --> 00:38:18,880
Speaker 1: so good.

926
00:38:18,400 --> 00:38:21,160
Speaker 5: So we've told her our only rule with that is

927
00:38:21,200 --> 00:38:23,280
Speaker 5: she has to split it evenly across the four jars,

928
00:38:23,560 --> 00:38:25,600
Speaker 5: and so she has three dollars in each jar. If

929
00:38:25,600 --> 00:38:27,799
Speaker 5: she hasn't touched her savee jar that week, she gets

930
00:38:27,880 --> 00:38:28,960
Speaker 5: fifty cents in interest.

931
00:38:29,040 --> 00:38:30,800
Speaker 4: Trying to teach her about interest.

932
00:38:30,920 --> 00:38:35,440
Speaker 5: Working obsessed. Yeah, And so her investor and her give jar.

933
00:38:35,760 --> 00:38:38,040
Speaker 5: We let her decide what amount she wants to bank

934
00:38:38,080 --> 00:38:40,279
Speaker 5: that at. So last time she decided thirty and so

935
00:38:40,320 --> 00:38:42,080
Speaker 5: she takes her jars down to the bank and takes

936
00:38:42,080 --> 00:38:44,480
Speaker 5: them to the teller and puts them in there. She

937
00:38:44,480 --> 00:38:46,560
Speaker 5: counts the money out and she deposits it, and then

938
00:38:46,719 --> 00:38:48,759
Speaker 5: we come home and she jumps on my computer and.

939
00:38:48,719 --> 00:38:50,120
Speaker 4: She does the transfers herself.

940
00:38:50,440 --> 00:38:53,680
Speaker 5: But she with the give jar. We said to her,

941
00:38:53,800 --> 00:38:56,040
Speaker 5: you have to donate this money. You get to choose

942
00:38:56,040 --> 00:38:57,560
Speaker 5: who you want to donate it too. So the first

943
00:38:57,600 --> 00:39:00,840
Speaker 5: time she did it, she donated to the Sydneyturechildren's Hospital.

944
00:39:01,400 --> 00:39:03,960
Speaker 4: And then she ended up spending a night at the.

945
00:39:04,000 --> 00:39:07,719
Speaker 5: Children's hospital over Christmas, and so my husband stayed with

946
00:39:07,760 --> 00:39:09,279
Speaker 5: her and told them about it. So they gave her

947
00:39:09,280 --> 00:39:11,880
Speaker 5: this toy. And then the Starlight Foundation came around and

948
00:39:11,920 --> 00:39:12,959
Speaker 5: played with her and.

949
00:39:12,920 --> 00:39:13,720
Speaker 4: Kept her calm.

950
00:39:13,800 --> 00:39:15,560
Speaker 5: And so this time when she thanked it, she did

951
00:39:15,560 --> 00:39:17,240
Speaker 5: a donation to the Starlight Foundation.

952
00:39:17,400 --> 00:39:20,000
Speaker 6: And so she but she's learning so much through that,

953
00:39:20,360 --> 00:39:21,680
Speaker 6: she is, and she was.

954
00:39:21,840 --> 00:39:25,160
Speaker 5: Able to see that because she had donated that money,

955
00:39:25,200 --> 00:39:26,239
Speaker 5: like that's what they do with their money.

956
00:39:26,400 --> 00:39:28,120
Speaker 4: They go to the hospitals and stuff, and it's.

957
00:39:27,960 --> 00:39:30,560
Speaker 1: Just no, no, that's just who whole So you're going

958
00:39:30,640 --> 00:39:32,480
Speaker 1: to make me cry. And you did that for her.

959
00:39:32,760 --> 00:39:33,080
Speaker 4: I did.

960
00:39:33,280 --> 00:39:36,720
Speaker 5: I did, and so even her saved her. So she'd

961
00:39:36,760 --> 00:39:40,319
Speaker 5: been saving. She's obsessed with Gabby's dollhouse. And so we're

962
00:39:40,360 --> 00:39:42,040
Speaker 5: at my mum's the other week and she's like, Mom,

963
00:39:42,080 --> 00:39:44,680
Speaker 5: I really really want to get the dollhouse. I've been

964
00:39:44,719 --> 00:39:46,680
Speaker 5: saving all my money. And I said, okay, call dad.

965
00:39:47,160 --> 00:39:48,959
Speaker 5: Check with dad. It's fine with me if it's fine

966
00:39:48,960 --> 00:39:50,640
Speaker 5: with dad. And so she gets my husband on the

967
00:39:50,640 --> 00:39:52,839
Speaker 5: phone and she's like, Daddy, please, I've been saying all

968
00:39:52,880 --> 00:39:55,000
Speaker 5: my money, I've got this much saved, I'm going to

969
00:39:55,080 --> 00:39:55,879
Speaker 5: have this much and left.

970
00:39:55,920 --> 00:39:57,440
Speaker 4: If I spend it, it's not all my money.

971
00:39:57,600 --> 00:39:59,360
Speaker 5: And he was like, to know what, dlse you do

972
00:39:59,480 --> 00:40:01,799
Speaker 5: that all your money, you go and do that, And

973
00:40:01,840 --> 00:40:04,160
Speaker 5: so we went to the shops. She took her money

974
00:40:04,360 --> 00:40:06,560
Speaker 5: and then it ended up being almost half the grass anyway.

975
00:40:06,640 --> 00:40:08,319
Speaker 4: So she's like, mom, it was a money win.

976
00:40:08,920 --> 00:40:09,960
Speaker 1: She's like, I spent.

977
00:40:09,840 --> 00:40:11,440
Speaker 4: Less money, and I'm like, that is what we call

978
00:40:11,480 --> 00:40:12,440
Speaker 4: a mommy win. Babe.

979
00:40:12,640 --> 00:40:16,919
Speaker 1: Yes, Queen, I adore that so much, And like, I

980
00:40:16,960 --> 00:40:20,520
Speaker 1: love how you're teaching your kids about money. Adore adore this.

981
00:40:20,719 --> 00:40:23,480
Speaker 1: You are literally the mummy and the parent that you

982
00:40:23,520 --> 00:40:23,960
Speaker 1: didn't have.

983
00:40:24,560 --> 00:40:27,240
Speaker 4: I was who I needed at her age.

984
00:40:27,520 --> 00:40:30,439
Speaker 5: I get to be that person and it's like, think,

985
00:40:30,520 --> 00:40:33,640
Speaker 5: she's so similar to me in personality. So it's what

986
00:40:33,719 --> 00:40:37,080
Speaker 5: I imagine it would have been like had I had

987
00:40:37,320 --> 00:40:38,759
Speaker 5: been afforded that opportunity.

988
00:40:39,120 --> 00:40:41,960
Speaker 1: Kind of like you're feeding your inner child at the

989
00:40:42,000 --> 00:40:46,439
Speaker 1: same time. Yeah, totally exactly, And I've hated I feel

990
00:40:46,480 --> 00:40:48,440
Speaker 1: like I've almost completely haled my inn a child for

991
00:40:48,520 --> 00:40:50,719
Speaker 1: me able to do this stuff for my kids, and

992
00:40:50,800 --> 00:40:52,600
Speaker 1: so it's just I.

993
00:40:52,520 --> 00:40:54,600
Speaker 5: Feel like I've just got this bubble of joy inside.

994
00:40:54,800 --> 00:40:56,120
Speaker 5: Over time I think about this stuff.

995
00:40:56,640 --> 00:41:00,400
Speaker 1: Oh, I'm obsessed. So obviously that is a fantast stick

996
00:41:00,440 --> 00:41:03,040
Speaker 1: money habit. What do you think your best money habit is?

997
00:41:03,320 --> 00:41:06,080
Speaker 4: So I have three. I don't think about straight. I've

998
00:41:06,120 --> 00:41:06,800
Speaker 4: got three.

999
00:41:07,080 --> 00:41:10,560
Speaker 5: My first one is I created a budget and cash

1000
00:41:10,560 --> 00:41:15,080
Speaker 5: slow spreadsheet that has so many tabs to it. So

1001
00:41:15,120 --> 00:41:17,919
Speaker 5: I've created a forward thought and created a mortgage tracker.

1002
00:41:18,360 --> 00:41:21,680
Speaker 5: I've got my credit card tracker. We now I do

1003
00:41:21,719 --> 00:41:24,000
Speaker 5: have a credit card, but it doesn't have any debt,

1004
00:41:24,080 --> 00:41:25,759
Speaker 5: so I use it like a debit card for the

1005
00:41:25,800 --> 00:41:29,879
Speaker 5: points because we often go to visit family up north

1006
00:41:29,920 --> 00:41:30,879
Speaker 5: of New South Wales and.

1007
00:41:30,800 --> 00:41:32,400
Speaker 4: That's so we're using the points for that.

1008
00:41:32,640 --> 00:41:35,080
Speaker 5: And so I've got my credit card tracker to track

1009
00:41:35,080 --> 00:41:37,800
Speaker 5: on my expenses. I've got all my sinking fun tracking,

1010
00:41:37,840 --> 00:41:39,000
Speaker 5: I've got everyday accounts.

1011
00:41:39,040 --> 00:41:42,359
Speaker 1: Who are you? I love this? You don't even need those,

1012
00:41:42,360 --> 00:41:44,279
Speaker 1: she's on the money one. I'll gift it to you

1013
00:41:44,360 --> 00:41:45,960
Speaker 1: so you can have a play with it and you

1014
00:41:46,000 --> 00:41:48,279
Speaker 1: can see how it all works. And there's a whole

1015
00:41:48,280 --> 00:41:50,760
Speaker 1: heap of like videos on like money, mindset and stuff,

1016
00:41:50,760 --> 00:41:52,920
Speaker 1: which I think that you'll really enjoy. But I'll give

1017
00:41:52,960 --> 00:41:54,560
Speaker 1: that to you. But it sounds like you don't even

1018
00:41:54,560 --> 00:41:57,040
Speaker 1: need it, but like I hope that you like it.

1019
00:41:57,080 --> 00:41:59,200
Speaker 4: Still, I'm sure I will love it. Thank you so

1020
00:41:59,280 --> 00:41:59,799
Speaker 4: much so.

1021
00:42:00,280 --> 00:42:02,520
Speaker 5: And I actually am at the point now where i've

1022
00:42:02,760 --> 00:42:05,040
Speaker 5: my brother and his girlfriend just moved out a week

1023
00:42:05,480 --> 00:42:08,160
Speaker 5: or so ago, and I sat down and did a

1024
00:42:08,200 --> 00:42:10,440
Speaker 5: budget with them for their expenses to work out what

1025
00:42:10,440 --> 00:42:12,719
Speaker 5: they've got coming in and that, Oh.

1026
00:42:12,360 --> 00:42:12,839
Speaker 4: How fun.

1027
00:42:13,200 --> 00:42:16,160
Speaker 1: You're becoming me like anyone who wants to sit down

1028
00:42:16,200 --> 00:42:18,040
Speaker 1: with me in my personal life. And I'll do your

1029
00:42:18,080 --> 00:42:20,480
Speaker 1: budget like say less, bab say less. I'll even pay

1030
00:42:20,520 --> 00:42:21,560
Speaker 1: for brunch if you let me.

1031
00:42:21,560 --> 00:42:25,360
Speaker 5: Do that my mum, Like I said, she's such a legend,

1032
00:42:25,360 --> 00:42:28,680
Speaker 5: but she has had no financial literacy. So I'm slowly

1033
00:42:28,680 --> 00:42:31,120
Speaker 5: sitting down with her and teaching her stuff.

1034
00:42:30,840 --> 00:42:32,840
Speaker 1: Like being like, okay, mom, let's do this together.

1035
00:42:33,000 --> 00:42:33,400
Speaker 4: Yeah.

1036
00:42:33,520 --> 00:42:35,440
Speaker 5: And I looked over her super and I got her

1037
00:42:35,480 --> 00:42:39,040
Speaker 5: super changed, and I've split up her bank accounts as

1038
00:42:39,040 --> 00:42:41,279
Speaker 5: well now so she's not spending and becoming at the

1039
00:42:41,320 --> 00:42:41,799
Speaker 5: same one.

1040
00:42:41,840 --> 00:42:44,680
Speaker 1: And isn't it cool? Like and you're the perfect example

1041
00:42:44,760 --> 00:42:47,920
Speaker 1: of this of when we can teach one woman about

1042
00:42:47,960 --> 00:42:51,480
Speaker 1: financial literacy what she does for the rest of her community. Like,

1043
00:42:51,760 --> 00:42:54,680
Speaker 1: because you've learned about it, your kids have financial literacy,

1044
00:42:54,760 --> 00:42:57,200
Speaker 1: because you've done it, Your mom is going to have

1045
00:42:57,239 --> 00:42:59,959
Speaker 1: better financial literacy. She's probably going to tell her friends

1046
00:43:00,120 --> 00:43:02,440
Speaker 1: about things like, oh my daughter changed my super and

1047
00:43:02,480 --> 00:43:04,440
Speaker 1: then her friends are maybe going to change and look

1048
00:43:04,480 --> 00:43:07,520
Speaker 1: at their super because oh, well, you know money do

1049
00:43:07,560 --> 00:43:09,799
Speaker 1: I storted it. I didn't even realize they needed to look.

1050
00:43:09,880 --> 00:43:13,080
Speaker 1: Like we are having such a ripple effect and it

1051
00:43:13,120 --> 00:43:16,640
Speaker 1: makes me so happy to know that, Like, from these

1052
00:43:16,680 --> 00:43:19,880
Speaker 1: little things that I do, then they're bigger things, and

1053
00:43:19,960 --> 00:43:23,120
Speaker 1: then they're massive things for you, and one day people

1054
00:43:23,160 --> 00:43:27,440
Speaker 1: are going to retire comfortably and hopefully they maybe invite

1055
00:43:27,480 --> 00:43:28,800
Speaker 1: me over for a cup of tea or something.

1056
00:43:30,000 --> 00:43:30,680
Speaker 4: Completely.

1057
00:43:30,920 --> 00:43:35,479
Speaker 5: I totally totally gre My second good habit is shot back.

1058
00:43:35,600 --> 00:43:37,920
Speaker 4: I use shot back and top cash back.

1059
00:43:37,960 --> 00:43:40,480
Speaker 5: Now I have the browser extensions and go for which

1060
00:43:40,480 --> 00:43:42,240
Speaker 5: everyone's got the most cash back, but.

1061
00:43:42,120 --> 00:43:44,280
Speaker 4: My shot back lifetime earnings.

1062
00:43:44,320 --> 00:43:46,719
Speaker 5: I've been on shot back for I think four years now,

1063
00:43:47,560 --> 00:43:49,840
Speaker 5: four six hundred and fifty seven dollars.

1064
00:43:51,120 --> 00:43:53,920
Speaker 1: Yes, thank you, And that's like literally just free cash

1065
00:43:53,960 --> 00:43:55,960
Speaker 1: totally is it sitting there if you pulled it out?

1066
00:43:56,000 --> 00:43:56,440
Speaker 4: I pulled it.

1067
00:43:56,480 --> 00:43:58,160
Speaker 5: I pulled it out every time I can, and so

1068
00:43:58,280 --> 00:44:00,840
Speaker 5: I've been putting it into my agency fund when I

1069
00:44:00,840 --> 00:44:03,040
Speaker 5: pull it out, straight into the emergency fund. And then

1070
00:44:03,080 --> 00:44:06,600
Speaker 5: I actually because Beck had mentioned the games that you

1071
00:44:06,600 --> 00:44:08,680
Speaker 5: can get paid for the games, I have made like

1072
00:44:08,719 --> 00:44:10,600
Speaker 5: fifty bucks from playing the games in there too.

1073
00:44:11,160 --> 00:44:12,239
Speaker 4: Oh. I love that.

1074
00:44:12,400 --> 00:44:14,239
Speaker 1: I didn't even know they existed until Beck was like,

1075
00:44:14,239 --> 00:44:15,960
Speaker 1: did you know you can play games on shotbag And

1076
00:44:16,000 --> 00:44:16,640
Speaker 1: I'm like, sorry, what?

1077
00:44:16,800 --> 00:44:19,279
Speaker 4: And it was such a good break too. I was like, oh, and.

1078
00:44:19,239 --> 00:44:21,600
Speaker 1: I mean I like playing games and doing mindless things

1079
00:44:21,640 --> 00:44:24,640
Speaker 1: on my phone while I watched maths say less. I

1080
00:44:24,719 --> 00:44:26,840
Speaker 1: just got paid to watch maths exactly.

1081
00:44:27,160 --> 00:44:29,520
Speaker 5: And then my third one is I never paid full

1082
00:44:29,520 --> 00:44:31,239
Speaker 5: plus for anything I refuse.

1083
00:44:32,160 --> 00:44:34,960
Speaker 4: I just think everything's always on sale at some point,

1084
00:44:35,040 --> 00:44:36,480
Speaker 4: I will get it when it's on sale.

1085
00:44:36,560 --> 00:44:39,360
Speaker 1: I love that. So do you have any bad money habits?

1086
00:44:39,760 --> 00:44:43,360
Speaker 5: So twelve months ago, it definitely would have been impulse spending.

1087
00:44:43,640 --> 00:44:47,279
Speaker 5: I was horrific for impulse spending because I've done a

1088
00:44:47,280 --> 00:44:48,200
Speaker 5: lot of work on myself.

1089
00:44:48,239 --> 00:44:50,960
Speaker 4: Now it's not I've actually gone the opposite direction.

1090
00:44:51,040 --> 00:44:53,360
Speaker 5: So my bad, my worst money have it now is

1091
00:44:53,400 --> 00:44:56,840
Speaker 5: feeling guilty every time I spend money on myself. I

1092
00:44:56,840 --> 00:44:58,840
Speaker 5: can spend money on other people like my kids or

1093
00:44:58,880 --> 00:45:00,919
Speaker 5: my husband, I'm more than happy to spend money on them,

1094
00:45:00,960 --> 00:45:05,239
Speaker 5: But spending money on myself, I just it takes a

1095
00:45:05,280 --> 00:45:07,360
Speaker 5: lot to talk me into it. And my husband's always like,

1096
00:45:07,800 --> 00:45:10,080
Speaker 5: just do it, like you've come so far, just spend

1097
00:45:10,120 --> 00:45:12,560
Speaker 5: the money, and I'm like, I just I'm steal in that.

1098
00:45:12,760 --> 00:45:14,040
Speaker 5: I guess scarcity mindset.

1099
00:45:14,080 --> 00:45:16,000
Speaker 4: So I'm trying to work my way.

1100
00:45:15,800 --> 00:45:17,759
Speaker 1: Out of that and that sometimes it takes a bit,

1101
00:45:17,800 --> 00:45:19,719
Speaker 1: but that's okay, and I'm glad you're aware of it,

1102
00:45:19,760 --> 00:45:23,400
Speaker 1: because that can be like the hardest part right, So

1103
00:45:23,920 --> 00:45:27,200
Speaker 1: talk to me. Now that we've had a full conversation

1104
00:45:27,400 --> 00:45:29,320
Speaker 1: and I have a daughter, I feel like I'm obsessed

1105
00:45:29,320 --> 00:45:31,719
Speaker 1: with you, Like from the moment that, like I read

1106
00:45:31,719 --> 00:45:33,640
Speaker 1: your diary, I was like, oh, this is going to

1107
00:45:33,640 --> 00:45:35,400
Speaker 1: be good, and then it just got better from fairy

1108
00:45:35,400 --> 00:45:38,160
Speaker 1: Wings to how you are teaching your kids about money

1109
00:45:38,440 --> 00:45:40,920
Speaker 1: to like you know, you planning a big holiday in

1110
00:45:41,000 --> 00:45:43,840
Speaker 1: twenty thirty one, You're going to go on a Disney cruise,

1111
00:45:43,920 --> 00:45:47,160
Speaker 1: like you are like living the life that you never

1112
00:45:47,200 --> 00:45:50,600
Speaker 1: thought you could because like you literally left a relationship

1113
00:45:50,640 --> 00:45:53,400
Speaker 1: with twenty thousand dollars worth of debt that wasn't even yours,

1114
00:45:54,040 --> 00:45:57,719
Speaker 1: Like that is not who that woman thought she was

1115
00:45:57,760 --> 00:46:02,480
Speaker 1: going to become, Like I'm so proud, But what about that?

1116
00:46:02,640 --> 00:46:05,360
Speaker 1: Is a be? Like what would it take money dirist

1117
00:46:05,480 --> 00:46:08,120
Speaker 1: to get from a B to like an A? Like

1118
00:46:08,280 --> 00:46:10,360
Speaker 1: what do we have to change? Because like your super's

1119
00:46:10,360 --> 00:46:12,520
Speaker 1: doing well, you're on the journey to buy your first home,

1120
00:46:12,560 --> 00:46:14,719
Speaker 1: You're investing, you're about to get a pay rise, like

1121
00:46:14,840 --> 00:46:17,319
Speaker 1: you're teaching your kids about money, Like where can we

1122
00:46:17,400 --> 00:46:20,239
Speaker 1: fix things? Like why is there a whole grade that

1123
00:46:20,320 --> 00:46:22,520
Speaker 1: you're not feeling like you're meeting Okay.

1124
00:46:22,280 --> 00:46:23,960
Speaker 5: I'm going to change my grade after you've just ad

1125
00:46:24,200 --> 00:46:27,080
Speaker 5: to go for an A minus to get to an

1126
00:46:27,120 --> 00:46:29,240
Speaker 5: A class. I think it'll just be trying to sort

1127
00:46:29,280 --> 00:46:31,759
Speaker 5: out the investing side of stuff, Like I know that

1128
00:46:32,000 --> 00:46:36,319
Speaker 5: I'm on track to with my investments, but I need

1129
00:46:36,360 --> 00:46:39,280
Speaker 5: to do more research and learn more in that space

1130
00:46:39,480 --> 00:46:42,360
Speaker 5: and not just But that's a journey in itself totally.

1131
00:46:42,760 --> 00:46:47,160
Speaker 5: And I think once we get into the house, that's when.

1132
00:46:47,040 --> 00:46:48,120
Speaker 1: You'll feel secure.

1133
00:46:48,320 --> 00:46:51,600
Speaker 4: Yeah. I feel like that's my personally last big hurdle.

1134
00:46:51,719 --> 00:46:54,279
Speaker 5: I think once we get into the house and like

1135
00:46:54,600 --> 00:46:57,360
Speaker 5: I can actually in my brain be like, oh my god, Okay,

1136
00:46:57,360 --> 00:46:59,759
Speaker 5: we actually got into the house. Like I know, we've

1137
00:46:59,800 --> 00:47:03,520
Speaker 5: got journey use a mortgage repayments sort but like, yeah,

1138
00:47:03,960 --> 00:47:04,680
Speaker 5: we we're in it.

1139
00:47:05,040 --> 00:47:08,000
Speaker 1: Yeah, I adore that. I love that so much, Money, Dirice,

1140
00:47:08,080 --> 00:47:11,719
Speaker 1: this has been beautiful. I have so loved getting to

1141
00:47:11,760 --> 00:47:15,360
Speaker 1: know you and sharing everything. Like, I'm so excited that

1142
00:47:15,400 --> 00:47:17,160
Speaker 1: you're going to have a meeting with Felicity. It's Ella

1143
00:47:17,239 --> 00:47:20,319
Speaker 1: Money soon. You're going to love her. She is She's

1144
00:47:20,360 --> 00:47:22,600
Speaker 1: a pocket rocket. Like there's a lot that you two

1145
00:47:22,600 --> 00:47:25,120
Speaker 1: will get along over. I am so excited to be

1146
00:47:25,160 --> 00:47:27,520
Speaker 1: on this journey, please let me know. I'm actually just

1147
00:47:27,560 --> 00:47:29,560
Speaker 1: gonna ask Click. I'm going to be like, hey, can

1148
00:47:29,600 --> 00:47:31,560
Speaker 1: you keep me in the loop about this mortgage so

1149
00:47:31,600 --> 00:47:34,640
Speaker 1: that I know when they buy their first home. I'm

1150
00:47:34,680 --> 00:47:36,799
Speaker 1: just so excited to you and the journey that you're

1151
00:47:36,840 --> 00:47:38,920
Speaker 1: on and everything that you've been through. And I just

1152
00:47:38,960 --> 00:47:40,960
Speaker 1: know that the community has gotten a lot out of

1153
00:47:41,000 --> 00:47:43,600
Speaker 1: this as well. So thank you so much for sharing

1154
00:47:43,640 --> 00:47:44,760
Speaker 1: with us. I'm obsessed.

1155
00:47:44,880 --> 00:47:46,480
Speaker 4: Thank you so much for having me and letting me

1156
00:47:46,520 --> 00:47:47,280
Speaker 4: share my story.

1157
00:47:47,600 --> 00:47:56,840
Speaker 1: Of course, anytime did By shared on She's on the

1158
00:47:56,840 --> 00:47:59,560
Speaker 1: Money is general in nature and does not consider your

1159
00:47:59,600 --> 00:48:04,080
Speaker 1: individual circumstances. She's on the Money exists purely for educational

1160
00:48:04,080 --> 00:48:06,520
Speaker 1: purposes and should not be relied upon to make an

1161
00:48:06,560 --> 00:48:09,839
Speaker 1: investment or financial decision. If you do choose to buy

1162
00:48:09,880 --> 00:48:13,600
Speaker 1: a financial product, read the PDS TMD and obtain appropriate

1163
00:48:13,640 --> 00:48:17,920
Speaker 1: financial advice tailored towards your needs. Victoria Divine and She's

1164
00:48:17,960 --> 00:48:21,680
Speaker 1: on the Money are authorized representatives of Money. Sheper Pty

1165
00:48:21,920 --> 00:48:25,359
Speaker 1: Ltd a BN three two one six four nine two

1166
00:48:25,400 --> 00:48:29,279
Speaker 1: seven seven zero eight AFSL four five one two eight

1167
00:48:29,400 --> 00:48:36,080
Speaker 1: nine