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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 4: for Brides who want financial freedom. Today is Friday, which

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Speaker 4: means it is time to sit back with the girls

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Speaker 4: with a bev in hand, to celebrate Victoria's upcoming wedding,

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Speaker 4: but also to unpack our favorite moments of the week,

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Speaker 4: and of course to celebrate you me my wedding, but

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Speaker 4: also you guys, our incredible She's on the Money community.

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Speaker 4: As always, we're going to be sharing our favorite money wins.

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Speaker 4: We're going to discuss what's making news in the Finance World,

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Speaker 4: and we're going to be helping answer a juicy money question,

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Speaker 4: which this week isn't about money, it's about employment.

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Speaker 5: We're going to be talking about how to approach your employer.

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Speaker 4: When it comes to difficult conversations about salary and job description.

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Speaker 4: But first, as always, it is time to recap the

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Speaker 4: week that was. Missus greed she what have you got

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Speaker 4: for us this week?

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Speaker 6: Staris was an absolute powerhouse and I think her childhood

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Speaker 6: had a little bit to do or a lot to

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Speaker 6: do with her money story. She said she grew up

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Speaker 6: with a single mum who worked really hard to give

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Speaker 6: her the things that she needed, and she ended up

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Speaker 6: going out and buying her first property or by herself,

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Speaker 6: which she now rents to her grandparents, which is very,

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Speaker 6: very wholesome. She leveraged the equity from that property to

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Speaker 6: get into a second home, and she really just worked

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Speaker 6: super hard to build everything up for herself. She's just

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Speaker 6: started her investment journey, which we love to see. And

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Speaker 6: it was really fun because she was telling us about

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Speaker 6: her partner, who is a financial advisor as well, and

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Speaker 6: she was saying that her partner was so impressed with

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Speaker 6: how much she knows and she learned it all in

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Speaker 6: the pod, which was just the sweetest thing ever. And

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Speaker 6: we thought we'd spice your Sunday up this week with

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Speaker 6: a very special bonus episode which was all about the

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Speaker 6: psychology of saving Victoria had a special guest, doctor Lily

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Speaker 6: Sussman join her. Lily's actually a social scientist and the

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Speaker 6: chief strategy officer at Weiser. Her PhD research at Harvard

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Speaker 6: was on decision making, behavioral economics and psychology in foreign

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Speaker 6: policy decision making, so she's very smart and very legitimate,

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Speaker 6: and it was a super interesting chat all about the

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Speaker 6: kind of taboo topic of financial stress and the disconnect

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Speaker 6: between the intention and action, as well as the importance

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Speaker 6: of self love and how to make meaningful change. It

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Speaker 6: was such a good episode, and that meant that you've

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Speaker 6: got five episodes this week, including Radio How Crazy Is That?

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Speaker 4: And straight over to you on the other side of

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Speaker 4: the table, Miss Georgia King. What did we talk about

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Speaker 4: on our Wednesday episode?

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Speaker 7: Hello VD? We spoke all about passive investing, so we've

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Speaker 7: spoken about it briefly in contrast to active investing fairly recently,

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Speaker 7: a few months ago maybe, but this time we really

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Speaker 7: honed in on exactly what passive investing is. We learned

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Speaker 7: that it's very much long term strategy, it's lower risk

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Speaker 7: than a more active approach, and that it primarily uses

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Speaker 7: index funds.

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Speaker 2: But because there's plenty more to.

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Speaker 4: Know, I love that one of my favorite topics, to

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Speaker 4: be honest, hot girl stuff is definitely passive invest Ten

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Speaker 4: out of ten gives you more time for other stuff

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Speaker 4: that you might want to get done. All right, Georgia King,

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Speaker 4: it's time for our budget direct money wins and confessions

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Speaker 4: of the week.

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Speaker 5: What have you got for us?

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Speaker 7: Alrighty, girly, So the first win of the week comes

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Speaker 7: from Carolyn. I've been looking for a four match of

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Speaker 7: powder everywhere. I was shopping at Aldi today and it

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Speaker 7: was only seven dollars ninety nine for one hundred and

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Speaker 7: thirty grams. That was down from nine dollars ninety nine.

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Speaker 2: If that was that'sn't already cheaping up?

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Speaker 5: I mitcha. I don't know.

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Speaker 2: Have you guys been to much a Maiden?

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Speaker 4: No, but it used to be owned by my friend

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Speaker 4: Sarah Holloway. Not anymore, Sarah Davidson. Sorry, she's gotten spiritual

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Speaker 4: of Sarah. Congradulation, Lady Sarah.

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Speaker 5: I sold it. What a baller.

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Speaker 4: Imagine being an owner of a business meanings I sold

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Speaker 4: the business absolutely still don't know how much match it costs,

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Speaker 4: but moving on, carry on the next week it comes

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Speaker 4: from Sammy, I did my groceries online for the first time,

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Speaker 4: which means I only bought what we actually needed. Weird

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Speaker 4: flex it cost me half as much as what it

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Speaker 4: usually does if I go into the store. Do you

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Speaker 4: guys ever shop online?

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Speaker 1: We do?

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Speaker 6: You click and collect sometimes, but I don't like that.

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Speaker 6: You don't get to pick your producer and meat, and

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Speaker 6: I only will try and get things that are like,

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Speaker 6: not very ripe so that I have lots of time

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Speaker 6: to use them, whereas I feel like sometimes if they've

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Speaker 6: got a clear stuff out that goes into the click

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Speaker 6: and collect waters Yeah, yeah, so I don't love that.

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Speaker 4: Can you leave a note and be like, hey, I

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Speaker 4: want unwrite bananas and they'll be like, okay, scener worries.

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Speaker 7: I think it could be a solution. Yeah, okay, all right,

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Speaker 7: well done, Sammy. The next win it comes from Lena

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Speaker 7: money Win. I've been the only one at my gym's

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Speaker 7: group class lately, which means I'm getting a private session

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Speaker 7: for free gohod, that's.

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Speaker 5: Actually so smart.

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Speaker 4: And you're not even paying for a group session. You're

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Speaker 4: just going to the gym and getting free pet exactly.

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Speaker 2: Not bad.

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Speaker 7: Next win comes from Courtney money Win. My family are

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Speaker 7: always extremely generous when it comes to birthdays and Christmases,

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Speaker 7: and I have a habit of stashing these cards away

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Speaker 7: with money inside for a rainy day. Anyway, I decided

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Speaker 7: it was finally time to clean up my office today

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Speaker 7: and inside an old birthday card was a cheeky two

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Speaker 7: hundred and fifty dollars.

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Speaker 5: Oh she wasn't joking when she said they were generous.

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Speaker 7: Very generous. I think I've only ever seen the red notes.

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Speaker 7: Oh yes, range, no pineapples for you, No pineapples for me.

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Speaker 7: The next win it comes from Leanne money Win. I

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Speaker 7: got a bigger yearly bonus from my employer, which wasn't expected.

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Speaker 7: That's paid for my brand new lounge.

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Speaker 5: We love to work.

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Speaker 7: The next one is a loss. It comes from DD

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Speaker 7: money Loss. I had to replace my car windshield, which

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Speaker 7: was five hundred and fifty dollars.

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Speaker 5: That's a lot of money.

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Speaker 7: Yeah, it's a big piece of glass though, and it

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Speaker 7: is a big piece of glass, but then DD wrote,

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Speaker 7: it wasn't as bad as I just started an emergency

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Speaker 7: fund for things exactly like this, and the relief of

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Speaker 7: having that there made a stressful situation really manageable. I

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Speaker 7: love that the final win of today Ladies comes from Katie,

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Speaker 7: and it's a really good idea money win. Last year,

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Speaker 7: my partner and I were gifted a super snazzy coffee

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Speaker 7: machine for our engagement party. I decided to set myself

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Speaker 7: a challenge and every time I made a coffee at home,

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Speaker 7: I would transfer the five dollars that I would have

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Speaker 7: spent at the cafe into my brokerage account for investing.

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Speaker 7: Oh smart, I just hit the one year mark of

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Speaker 7: the challenge and I've crunched the numbers and there's now

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Speaker 7: two hundred and five dollars in there that I've been

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Speaker 7: able to save and invest, on top of what I

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Speaker 7: already put aside weekly.

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Speaker 5: How good is that it did you?

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Speaker 2: She didn't even miss it. She had that snazzy coffee machine.

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Speaker 2: Well done, Katie, but a good idea for all.

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Speaker 5: I love it.

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Speaker 4: Also, what kind of person gets engaged and gets a

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Speaker 4: bougie coffee machine? Those things are close to two grand?

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Speaker 2: A lucky person.

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Speaker 5: That's a lot. That's a good present.

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Speaker 4: All right, gee, as always, it has been fantastic celebrating

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Speaker 4: some of your budget Direct money wins. Budget Direct winner

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Speaker 4: of kan Stars Insurer of the Year Award twenty twenty two.

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Speaker 4: Budget Direct Insurance Solved. All right, we're going to go

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Speaker 4: to a really quick break and after that we're going

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Speaker 4: to be talking about Patagonia when it comes to finance news,

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Speaker 4: and we've got a good question about employment and how

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Speaker 4: to discuss tricky topics with your boss.

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Speaker 5: Don't go anywhere writing, guys.

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Speaker 6: I want to talk about Patagrone now, which for people

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Speaker 6: who aren't familiar, cute, little outdoorsy brand.

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Speaker 5: They do little, bold.

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Speaker 6: Huge outdoorsy brand. They do clothes, they do hiking here.

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Speaker 6: They're very climate focused, which is important. Their founder, whose

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Speaker 6: name we were playing on Google before to try and

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Speaker 6: do we put.

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Speaker 5: Your mic on it, standby Evon. Yeah him, I think

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Speaker 5: pretty well evil.

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Speaker 6: We're gonna call him Ivonyony. Sorry, I'm strange age Yvon

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Speaker 6: recently announced that he's given away almost all of the

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Speaker 6: company's ownerships that's Patagrone out to a nonprofit which is

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Speaker 6: dedicated to fighting climate change, which is freaking incredible. It's

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Speaker 6: flipping amazing, Like literally, he's a billionaire and he's like,

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Speaker 6: have all my company, but it's all good.

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Speaker 5: I'm just trying to say, it's a planet over here.

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Speaker 5: What are you doing? Elon Musk.

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Speaker 6: Yeah, he's pretty much dedicated. Excess profits from the company

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Speaker 6: will now go towards fighting the environmental crisis and defending

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Speaker 6: nature instead of going into the pockets of somebody or

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Speaker 6: sitting in a bank account or an investment or goodness

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Speaker 6: knows where. Since nineteen eighty five, the company's actually pledged

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Speaker 6: one percent of its annual sale to preserve and restore

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Speaker 6: the natural environment.

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Speaker 4: Which is big when it comes to a business because

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Speaker 4: it is hard to make profit in the best of times.

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Speaker 4: But to have pledged for so long one percent then

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Speaker 4: flipping around being like how jokes have it all?

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Speaker 5: Yeah.

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Speaker 6: In twenty eighteen, they actually changed their purpose statement to

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Speaker 6: We're in business to save our home planet. So it's

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Speaker 6: been something that's been really strongly aligned to their brand

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Speaker 6: for a long time. We've spoken before about greenwashing and

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Speaker 6: how brands often try to capitalize on the climate crisis

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Speaker 6: and use it for their own benefit. This is such

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Speaker 6: a good case of someone talking the talk and walking

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Speaker 6: the walk in such an incredible way. So the company

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Speaker 6: is now owned by the Patagonia Purpose Trust and the

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Speaker 6: environmental nonprofit the hold Fast Collective. So the hold Fast

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Speaker 6: Collective now owned ninety eight percent of the company, but

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Speaker 6: they won't have any decision making authority. So firstly, really

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Speaker 6: interesting to know that you can kind of divvy up

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Speaker 6: and compartmentalize those things. The profit go is here, but

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Speaker 6: the decision making stas here.

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Speaker 4: With a business, yes, you can have shareholders in the business,

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Speaker 4: like for example, I'm a shareholder in Sheese on the Money,

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Speaker 4: but I'm also the director, and if I had another shareholder,

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Speaker 4: I might just be like, oh, you can come into

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Speaker 4: business with me, but you can't be a director, so

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Speaker 4: you can't make any decisions. You just own the company,

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Speaker 4: kind of like when you list a business on the

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Speaker 4: ASX or on any stock exchange. Really you just get

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Speaker 4: to buy in, but you don't have any rights over

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Speaker 4: how the company functions. Whereas sometimes people will come in

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Speaker 4: and be like, well, if I'm buying such a big piece,

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Speaker 4: I want to have a say. It just really depends

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Speaker 4: on I guess what you want and how you want

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Speaker 4: your business to function. So Obviously they've gone that way,

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Speaker 4: and they still maintain that two percent share because they

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Speaker 4: need to have some authority so that the business can

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Speaker 4: continue to run. However, I just think it's really interesting.

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Speaker 4: I think it's so cool.

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Speaker 6: So do we know if this now makes them like

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Speaker 6: a non for profit? No, so they're still operating as

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Speaker 6: a for profit business. They're just obviously donating that ninety

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Speaker 6: eight percent margin. And additionally, they're still going to donate

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Speaker 6: that one percent of their annual sales to grassroots environmental

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Speaker 6: nonprofits as well. So they're basically just saying take it all, like,

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Speaker 6: take all of us him off the top. Obviously, they'll

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Speaker 6: maintain a very small amount that will go to the family.

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Speaker 6: In terms of profit, they're paying their salaries all of

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Speaker 6: that stuff as normal. But they're donating what I would

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Speaker 6: imagine to be a lot huge amount of money.

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Speaker 4: Well, the businesses worth three billion dollars and get this

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Speaker 4: g real wholesome he said when he announced it, he

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Speaker 4: was like, I am declaring the Earth will be the

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Speaker 4: sole shareholder of my three billion dollar company, effective immediately.

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Speaker 5: What a wholesome story.

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Speaker 4: Though I know it happened a few weeks ago, but

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Speaker 4: I keep getting DMS about it, which is why we're

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Speaker 4: bringing it up. And I just think it's a really

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Speaker 4: cool story, especially because I feel like there's so many

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Speaker 4: negative stories around at the moment, and a lot of

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Speaker 4: us are following the Twitter saga with Elon Musk, and

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Speaker 4: to be honest, there's just not that many good news

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Speaker 4: stories around. I think this one is just a really

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Speaker 4: wholesome one that we should highlight.

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Speaker 2: Especially not about billionaires. Yeah, we love to see it.

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Speaker 6: If you do need some outdoorsy gear, I would suggest

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Speaker 6: how to go and is the best. They have really

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Speaker 6: genuinely good stuff, and I think knowing that your money

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Speaker 6: is going somewhere good is just the icing on the cake.

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Speaker 4: Absolute loves Patagonia like him and his mates like hiking,

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Speaker 4: so they're really into it. I've never given it a

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Speaker 4: second thought.

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Speaker 6: Go no now though, Yeah now, Yvonne, Yvonne, sorry you tried.

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Speaker 5: It was worth it, you know what. I think you'll

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Speaker 5: be happy with whatever.

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Speaker 4: He doesn't really need the coverage A small podcast Austra Earlia.

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Speaker 5: All right, let's move on, George King. What time is it?

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Speaker 2: It is money dilemma time?

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Speaker 5: All right, let's hear it, Hi, Beert, have you got.

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Speaker 7: A money dilemma you just can't solve that. She's on

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Speaker 7: the Money Team is here to help. Every week we

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Speaker 7: tackle your dilemmas, both big and small, to answer your

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Speaker 7: most burning money, career and life questions. To get involved,

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Speaker 7: simply head to our website and leave us a quick

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Speaker 7: voice recording and you may just find yourself on the show. Now,

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Speaker 7: let's take a listen to today's money dilemma.

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Speaker 8: Hey guys, I just wanted to know how you might

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Speaker 8: approach an employer and tell them in a polite way

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Speaker 8: that the tasks or roles they are asking you to

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Speaker 8: do or expecting you to do are not within your

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Speaker 8: job description and they're quite frankly not paying you enough

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Speaker 8: money to do those things.

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Speaker 4: I guess I'll just dip out of this because we

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Speaker 4: have one of the most enthusiastic employment not lawyers in

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Speaker 4: the house.

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Speaker 6: Just agreeen she giving you the angry eyes from the

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Speaker 6: table sit down. Well, firstly, I love that she's like,

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Speaker 6: I want to just politely say, girl.

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Speaker 4: Your polite Jess, Like I like your all talk though,

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Speaker 4: but every time we've ever had a conversation, you're like

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Speaker 4: very very poised, very presentable, very kind, very well researched,

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Speaker 4: I like to.

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Speaker 5: Think, so.

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Speaker 6: I think the big thing here is firstly, good on you,

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Speaker 6: Queen for recognizing that you're being taken advantage of, because

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Speaker 6: I think it's important to recognize that that is exactly

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Speaker 6: what's happening, like things are being loaded onto your plate,

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Speaker 6: and you know, to an extent, I think there's reasonable

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Speaker 6: expansion of a role or reasonable growth because you would

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Speaker 6: always hope that your business is moving forward and adjusting. However,

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Speaker 6: if your salary is not adjusting in line with that,

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Speaker 6: or if your hours are not adjusting in line with that,

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Speaker 6: that is a bread flag. It is a crimson flag,

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Speaker 6: as Victoria divine. So I think it's really important to

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Speaker 6: have a conversation directly because more often than not, unfortunately

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Speaker 6: it's very rare for an employer to flag this with you.

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Speaker 6: It's going to be you having the conversation, and I

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Speaker 6: think it's about walking into that conversation prepared af.

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Speaker 4: So, be prepared, be prepared, Prepare to fail, prepare to fight.

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Speaker 5: Actually quite dramatic. I'm just going to check it out bye.

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Speaker 6: But I would say the best place to start with

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Speaker 6: something like this is tracking your hours. Now, some businesses

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Speaker 6: and industries do this already. If you work in law,

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Speaker 6: it's super common to track your billable hours, and you

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Speaker 6: know a lot of professional services are the same. But

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Speaker 6: there are apps that you can get for free that

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Speaker 6: will help you track your time. You can write it

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Speaker 6: in Microsoft Word, you can put it in an.

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Speaker 4: Excel spreadsheet, a notebook that you just keep on your desk.

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Speaker 4: Don't even have to be official.

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Speaker 6: No, anything that works, but you have to get yourself

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Speaker 6: in that habit. I think of tracking your time and

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Speaker 6: tracking how much time you're spending on certain tasks because

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Speaker 6: I think it's really important that when you have these

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Speaker 6: conversations you can come through with empirical data. It's one

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Speaker 6: thing to say I feel like I'm being really overworked

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Speaker 6: or I feel like I'm really exhausted, which is a

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Speaker 6: valid thing to say, but it's much harder to kind

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Speaker 6: of put a value on as opposed to saying, I

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Speaker 6: am spending fifteen hours a week on something that wasn't

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Speaker 6: even a part of my original role description, and that

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Speaker 6: is a very different conversation to have. And from there,

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Speaker 6: I guess it's about reflecting on whether do you want

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Speaker 6: to hand those tasks off to somebody else? Do you

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Speaker 6: want your compensation to adjust. Do you need to look

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Speaker 6: at splitting your role into two roles.

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Speaker 5: There are all of.

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Speaker 6: These different avenues that you can take, and I think

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Speaker 6: having clarity on that before you have the conversation with

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Speaker 6: your employer means that you can go into the room

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Speaker 6: and be really focused and say, this is what I'm doing,

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Speaker 6: this is the problem, this is the outcome that I

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Speaker 6: would like to see, And hopefully, if they're a good employer,

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Speaker 6: they will be open to having that conversation with you,

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Speaker 6: because if you are overworked or underpaid or unhappy, that's

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Speaker 6: going to be a problem for them ultimately one.

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Speaker 4: Hundred percent, and it impacts their productivity. And if they're

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Speaker 4: trying to get too many things from you, they're going

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Speaker 4: to get subparer of everything. So it's not a good

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Speaker 4: idea from an employer's perspective. Like I would love to

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Speaker 4: think that I'm attuned to this, but like, who knows,

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Speaker 4: I might be living under a rock. I think the

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Speaker 4: important thing is to approach these situations assuming that they

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Speaker 4: don't know what's happening. Because if you're approaching Go Georgia King,

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Speaker 4: you're taking advantage of me and doing this, this and

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Speaker 4: this it's quite accusatory, you're going to get their back up.

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Speaker 4: You're not going to leave that conversation in a positive space.

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Speaker 5: Whereas if you sit.

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Speaker 4: Down and be like, hey, i'd really love to discuss

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Speaker 4: my role, priorities and what's going on. Everything's been changing,

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Speaker 4: and like I'm so here for it, but you know

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Speaker 4: some things are falling to the wayside because of it.

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Speaker 4: That's going to be a firm or constructive way to

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Speaker 4: bring up the conversation. And in that conversation you can

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Speaker 4: be quite direct, but we need to make sure that

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Speaker 4: we step back from being accusatory unless your boss or

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Speaker 4: manager or employer is actually taking the mickey, in which

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Speaker 4: case like slaym queen. But I think it's really important

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Speaker 4: to also go all right, like what's the best way

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Speaker 4: to approach this to get the outcome I desire? Because

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Speaker 4: the last thing you want to do is get your

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Speaker 4: boss off side or not come prepared or put yourself

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Speaker 4: in a position where you're not getting what you want.

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Speaker 4: So I think going to the conversation and being like, look, hey,

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Speaker 4: I'd love to have a conversation about what you want

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Speaker 4: me to prioritize, because unfortunately we're at a point where

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Speaker 4: I can't prioritize everything, So what's my number one priority?

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Speaker 4: And they might actually turn around and be like, oh,

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Speaker 4: your number one priority is this, and you go yes,

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Speaker 4: But that's not how I'm feeling. The team is feeling

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Speaker 4: like my priority when it comes to working every day

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Speaker 4: seems to be this because that's what's being put on

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Speaker 4: my plate the most that seems to be falling to

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Speaker 4: the wayside. How can we work towards making this my

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Speaker 4: priority again? And they are going to be fun or

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Speaker 4: receptive because you're showing quite a lot of initiative in

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Speaker 4: that conversation, So I think from my perspective that's where

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Speaker 4: I would come from. But gee, how would you approach

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Speaker 4: this situation?

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Speaker 3: Well, what I.

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Speaker 7: Wanted to ask before I tell you how I approach it,

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Speaker 7: which is probably the same way that Jess said. Gather

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Speaker 7: your evidence, know what you want to say, be direct,

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Speaker 7: be polite, go about it that way. But how long

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Speaker 7: do you guys think is appropriate before you should bring

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Speaker 7: up the conversation with your boss? So if someone's like, George,

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Speaker 7: I know it's not in your job description, but Janine's

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Speaker 7: just left. We need someone to write this extra copy.

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Speaker 7: That's usually outside of the realm of what I'm doing.

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Speaker 7: But they just need me to pick up the slack

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Speaker 7: a little bit for a few weeks whatever it may be.

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Speaker 5: Yea, how do you know.

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Speaker 7: If that then continues onto like months or is it just.

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Speaker 4: Kind of divisive? I don't know what Jess is going

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Speaker 4: to say, which is why I'm going first, Because I

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Speaker 4: just went first, I'd be like, yeah, totally same like

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Speaker 4: and not give my opinion. I'm finding that there's a

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Speaker 4: lot of TikTok content in the moment about this, and

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Speaker 4: it's about being really aggressive with your employer and really

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Speaker 4: pushing back and being like, no, if Jeanine's leaving, you

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Speaker 4: need to pay me for Jeanine's role. And I just

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Speaker 4: I feel like there's some kind of balance when it

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Speaker 4: comes to stuff like that, like, yeah, cool, it's not

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Speaker 4: fair to expect you to go above and beyond, to

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Speaker 4: work above and beyond your actual capacity for a sustained

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Speaker 4: period of time. But I also think that if I'm like, oh, gee,

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Speaker 4: could you just write this Jeanine's way, yeah, no worries

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Speaker 4: like there is usually in an employment contract some level

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Speaker 4: of flexibility, Like in every employment contract I've got, it's

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Speaker 4: obviously got your role description and then it says and

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Speaker 4: any other task deemed appropriate by the director, which means,

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Speaker 4: if I tell you to do it, can you please

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Speaker 4: give me a hand? And in a small business that

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Speaker 4: is really important because it's kind of like, well, I

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Speaker 4: don't have all hands on deck. And I know that

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Speaker 4: people who work for small businesses are usually a bit

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Speaker 4: different to people who really want to work in corporate

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Speaker 4: and that's fine. You do what feels right to you.

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Speaker 4: But I think if you feel like you're having the

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Speaker 4: mickey taken out of you, I would be questioning it

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Speaker 4: or even going, hey, no worries, I can take Janine's work.

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Speaker 4: What would you like me to push off my plate

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Speaker 4: so that I can fit that on? So it might

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Speaker 4: not be a no, I'm not doing it. It might

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Speaker 4: be a no, worries, Jill, I will do that, But

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Speaker 4: that will mean that something else needs to be yeeded.

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Speaker 5: What is it going to be?

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Speaker 4: And then they might go, oh, well George, I can't

437
00:20:01,680 --> 00:20:03,320
Speaker 4: and you go, well, I just don't have capacity.

438
00:20:03,480 --> 00:20:04,040
Speaker 5: Is that okay?

439
00:20:04,080 --> 00:20:06,720
Speaker 4: And I think it's an ongoing conversation, But also I

440
00:20:06,720 --> 00:20:08,760
Speaker 4: think you need to just use your initiative, Like if

441
00:20:08,760 --> 00:20:11,600
Speaker 4: you're like, yeah, no worries. But also if I knew

442
00:20:11,600 --> 00:20:14,000
Speaker 4: that they weren't planning on replacing Jeanine and they're like, oh,

443
00:20:14,040 --> 00:20:15,679
Speaker 4: just take it for a few weeks, and you're loky, like,

444
00:20:15,720 --> 00:20:18,040
Speaker 4: this isn't gonna be a few weeks. Yeah, I would

445
00:20:18,080 --> 00:20:20,800
Speaker 4: be having a bigger conversation, Jess. Make me look like

446
00:20:20,800 --> 00:20:22,200
Speaker 4: a bad perpose, No, not all.

447
00:20:22,280 --> 00:20:25,200
Speaker 6: I think the soft touch that you're saying about, like

448
00:20:25,320 --> 00:20:28,600
Speaker 6: having an initial gentle conversation is super relevant. The other

449
00:20:28,600 --> 00:20:30,240
Speaker 6: thing that I would flag for our listener is if

450
00:20:30,240 --> 00:20:32,320
Speaker 6: you are going into bat for this big convo, I

451
00:20:32,359 --> 00:20:35,359
Speaker 6: would say, set up a time specifically to do it.

452
00:20:35,400 --> 00:20:37,680
Speaker 6: Don't be having this conversation when you're going to run

453
00:20:37,680 --> 00:20:40,040
Speaker 6: an errand like this is a tea room or something. Yeah,

454
00:20:40,080 --> 00:20:42,800
Speaker 6: this is a specific, dedicated conversation. I think for me,

455
00:20:44,560 --> 00:20:46,880
Speaker 6: you can't really put a timeframe on it because there's

456
00:20:46,880 --> 00:20:49,960
Speaker 6: a big difference, as you said, ved between something has

457
00:20:50,080 --> 00:20:52,680
Speaker 6: changed and we need to be reactive and that does

458
00:20:52,760 --> 00:20:56,240
Speaker 6: require a level of flexibility as opposed to something is

459
00:20:56,280 --> 00:20:59,840
Speaker 6: becoming an ongoing addition to your role. Yeah, and that

460
00:21:00,080 --> 00:21:03,440
Speaker 6: when it's problematic for me, I would say personally, anything

461
00:21:03,720 --> 00:21:06,480
Speaker 6: above and beyond kind of four to six weeks. I

462
00:21:06,520 --> 00:21:08,320
Speaker 6: think that's when you're kind of seeing how it. Four

463
00:21:08,359 --> 00:21:11,440
Speaker 6: to six weeks, in my mind is generally enough time

464
00:21:11,560 --> 00:21:14,400
Speaker 6: that if something has happened, I think that's a reasonable

465
00:21:14,400 --> 00:21:17,199
Speaker 6: amount of time for your management or your company, or

466
00:21:17,240 --> 00:21:21,080
Speaker 6: whatever the case may be, to have had the problem

467
00:21:21,119 --> 00:21:22,880
Speaker 6: come to them, sit with it for a little bit,

468
00:21:23,000 --> 00:21:25,440
Speaker 6: and work towards a resolution. And at the very least

469
00:21:25,440 --> 00:21:27,719
Speaker 6: you would hope that a conversation had been had around

470
00:21:28,200 --> 00:21:31,120
Speaker 6: we know Janine's left, We've just started the hiring process,

471
00:21:31,160 --> 00:21:32,879
Speaker 6: so just so you know, we should have someone in

472
00:21:32,880 --> 00:21:35,679
Speaker 6: and then two or three weeks, in which case I go, okay,

473
00:21:36,200 --> 00:21:39,080
Speaker 6: stick it out. If you can have those conversations around

474
00:21:39,080 --> 00:21:41,840
Speaker 6: what can I drop from my workload to prioritize other things.

475
00:21:42,560 --> 00:21:45,800
Speaker 6: If it's been four to six weeks and things have

476
00:21:45,880 --> 00:21:47,960
Speaker 6: just been added and added and then not addressed, and

477
00:21:48,000 --> 00:21:50,280
Speaker 6: it's been like, oh, well you'll fine, you're coping.

478
00:21:50,160 --> 00:21:52,280
Speaker 4: You're coping, why would we get Janine back? Yeah, I

479
00:21:52,280 --> 00:21:54,320
Speaker 4: don't need to fill a role. Look out, well gee's doing.

480
00:21:54,440 --> 00:21:56,879
Speaker 6: That's when I would be looking at booking in a conversation,

481
00:21:57,240 --> 00:22:00,119
Speaker 6: having a soft touch point first and saying hey, like

482
00:22:00,119 --> 00:22:02,800
Speaker 6: I'm feeling really overwhelmed or I really think it's important

483
00:22:02,800 --> 00:22:05,640
Speaker 6: that we split this back out because it's a completely

484
00:22:05,680 --> 00:22:08,520
Speaker 6: different department. I'm, you know, a content person and I'm

485
00:22:08,520 --> 00:22:10,840
Speaker 6: doing law or like probably not.

486
00:22:11,960 --> 00:22:12,640
Speaker 5: Like you've got something.

487
00:22:12,600 --> 00:22:14,639
Speaker 4: This is what happens when you put just under pressure

488
00:22:15,000 --> 00:22:17,080
Speaker 4: just like spits out stuff that makes no sense to it.

489
00:22:17,280 --> 00:22:19,280
Speaker 6: I'm doing content and I'm doing accounting. Do you know

490
00:22:19,280 --> 00:22:21,119
Speaker 6: what I mean? Like something that's outside of your realm

491
00:22:21,119 --> 00:22:23,600
Speaker 6: of work, like having that initial conversation and then if

492
00:22:23,640 --> 00:22:25,600
Speaker 6: you're really not seeing change, if you're really feeling the

493
00:22:25,640 --> 00:22:28,800
Speaker 6: pressure booking in a meeting, sitting down and having that

494
00:22:28,840 --> 00:22:30,360
Speaker 6: conversation I think is important.

495
00:22:30,720 --> 00:22:33,760
Speaker 5: Perfect. Oh, this just polished it off. But I don't

496
00:22:33,760 --> 00:22:35,320
Speaker 5: think I have anything to add to that.

497
00:22:35,440 --> 00:22:36,200
Speaker 2: I certainly don't.

498
00:22:36,359 --> 00:22:38,400
Speaker 5: Oh okay, well, yes, we're done with this episode.

499
00:22:38,400 --> 00:22:38,560
Speaker 7: There.

500
00:22:38,600 --> 00:22:39,040
Speaker 8: Perfect.

501
00:22:39,320 --> 00:22:41,359
Speaker 5: I'm going to get married tomorrow, so I'm ready to go.

502
00:22:41,600 --> 00:22:45,000
Speaker 7: Yay, congratulations comes feeling nervous.

503
00:22:46,480 --> 00:22:49,600
Speaker 5: Not yet, not yet, not yet. I'm very excited, very

504
00:22:49,720 --> 00:22:53,680
Speaker 5: very excited. Good, that's all I've got. No, No, I'm really

505
00:22:53,720 --> 00:22:55,200
Speaker 5: excited and I think it'll be really fun.

506
00:22:55,359 --> 00:22:58,399
Speaker 4: I just you know, last minute stressing Obviously this is

507
00:22:58,600 --> 00:23:01,080
Speaker 4: being recorded a couple of days before, so maybe like

508
00:23:01,200 --> 00:23:03,800
Speaker 4: by the time Thursday Friday actually comes, I'm going to

509
00:23:03,800 --> 00:23:06,840
Speaker 4: be stressed out of my brain. But I'm very lucky,

510
00:23:06,920 --> 00:23:09,639
Speaker 4: and I actually I'm excited to get married, guys, but

511
00:23:09,720 --> 00:23:12,720
Speaker 4: I'm also really excited to create wedding content because I

512
00:23:12,720 --> 00:23:15,040
Speaker 4: wanted to wait until after the wedding so I could

513
00:23:15,040 --> 00:23:17,000
Speaker 4: be like, oh, well, these were my budgets that I

514
00:23:17,080 --> 00:23:19,040
Speaker 4: blew or these are the budgets that didn't work, because

515
00:23:19,080 --> 00:23:22,160
Speaker 4: it's silly for me to share budgeting content prior, because

516
00:23:22,200 --> 00:23:25,399
Speaker 4: that's all like nice to have, right, And I've already

517
00:23:25,440 --> 00:23:27,879
Speaker 4: blown a few budgets, and I've already been really frustrated

518
00:23:27,880 --> 00:23:30,120
Speaker 4: by the process. So like, let's make this real content,

519
00:23:30,200 --> 00:23:33,080
Speaker 4: not aspirational content, because one thing I have learned very

520
00:23:33,119 --> 00:23:37,520
Speaker 4: quickly is even me being Victoria, she's on the money,

521
00:23:37,760 --> 00:23:39,560
Speaker 4: who you would expect to be able to stick to

522
00:23:39,560 --> 00:23:42,000
Speaker 4: a budget, I wasn't able to. It got way too

523
00:23:42,040 --> 00:23:43,959
Speaker 4: emotional and there were just like too many things that

524
00:23:44,000 --> 00:23:46,240
Speaker 4: Steve wanted and then I wanted, and then coming to

525
00:23:46,280 --> 00:23:49,199
Speaker 4: a compromise, like it just blew out in certain areas

526
00:23:49,200 --> 00:23:52,080
Speaker 4: which we've come to terms with but I just didn't

527
00:23:52,119 --> 00:23:52,560
Speaker 4: expect it.

528
00:23:52,600 --> 00:23:55,439
Speaker 5: I did genuinely expect more myself when it game to

529
00:23:55,480 --> 00:23:56,480
Speaker 5: budget as well.

530
00:23:56,560 --> 00:23:59,399
Speaker 4: Yeah so I MIDI shaded, got my tail between my legs.

531
00:23:59,440 --> 00:24:02,000
Speaker 4: But you know what, Hopefully I will be on the

532
00:24:02,040 --> 00:24:03,879
Speaker 4: next episode saying it was the best day of my

533
00:24:04,000 --> 00:24:04,560
Speaker 4: thie life.

534
00:24:04,680 --> 00:24:08,040
Speaker 2: You will, my dearl, It'll be fantastic. See you after

535
00:24:08,080 --> 00:24:09,760
Speaker 2: the word in Bye Bye you.

536
00:24:16,080 --> 00:24:18,600
Speaker 4: The advice shared on She's on the Money is general

537
00:24:18,680 --> 00:24:22,520
Speaker 4: in nature and does not consider your individual circumstances. She's

538
00:24:22,560 --> 00:24:26,040
Speaker 4: on the Money exists purely for educational purposes and should

539
00:24:26,040 --> 00:24:29,200
Speaker 4: not be relied upon to make an investment or financial decision.

540
00:24:29,640 --> 00:24:32,080
Speaker 4: If you do choose to buy a financial product, read

541
00:24:32,080 --> 00:24:36,200
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

542
00:24:36,280 --> 00:24:39,520
Speaker 4: your needs. Victoria Divine and She's on the Money are

543
00:24:39,600 --> 00:24:44,640
Speaker 4: authorized representatives of Money Shoper Pty Ltd ABN three two

544
00:24:44,640 --> 00:24:48,600
Speaker 4: one six four nine two seven seven zero eight AFSL

545
00:24:48,760 --> 00:25:03,520
Speaker 4: four five one two eight nine