1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,720 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:54,040 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,760 --> 00:01:00,880 Speaker 2: Hello, and welcome to She's on the Mune, the podcast 13 00:01:00,920 --> 00:01:04,720 Speaker 2: for millennials who want financial freedom. Welcome to another one 14 00:01:04,720 --> 00:01:06,640 Speaker 2: of our money diaries where we get to talk to 15 00:01:06,680 --> 00:01:09,480 Speaker 2: one of our incredible Shees on the Money community members 16 00:01:09,560 --> 00:01:12,880 Speaker 2: all about their money story. Let's jump straight into it 17 00:01:12,920 --> 00:01:15,600 Speaker 2: today because this week we've got a juicy one. Here's 18 00:01:15,640 --> 00:01:18,880 Speaker 2: the message I got. Hi, Victoria. I'm a doctor who 19 00:01:18,959 --> 00:01:22,880 Speaker 2: got scammed two hundred and seventy one thousand dollars by 20 00:01:22,880 --> 00:01:26,360 Speaker 2: my cousin who lives overseas. I've managed to get out 21 00:01:26,400 --> 00:01:28,920 Speaker 2: of the financial hellhole with a lot of help and 22 00:01:29,000 --> 00:01:32,880 Speaker 2: hard labor, and it has catapulted my financial literacy like 23 00:01:33,000 --> 00:01:35,840 Speaker 2: no other. I wanted to share my experience given the 24 00:01:35,880 --> 00:01:39,279 Speaker 2: prevalence of cybercrime, and to break down stigma for others 25 00:01:39,280 --> 00:01:43,760 Speaker 2: who have also been scammed. Money diarist, Hello, what an 26 00:01:43,800 --> 00:01:48,440 Speaker 2: awful cousin. I know one out of ten cannot recommend. 27 00:01:48,760 --> 00:01:51,840 Speaker 4: Yeah, I mean didn't see that one coming through. 28 00:01:52,240 --> 00:01:56,200 Speaker 2: No, you wouldn't have, especially because they're family, right. I 29 00:01:56,240 --> 00:02:00,160 Speaker 2: want to know so much about this before we get there, though. 30 00:02:00,200 --> 00:02:02,080 Speaker 2: I want to know if I asked you to grade 31 00:02:02,120 --> 00:02:04,880 Speaker 2: your money habits from A through F, what would you 32 00:02:04,960 --> 00:02:05,760 Speaker 2: grade yourself? 33 00:02:06,000 --> 00:02:08,480 Speaker 4: Probably A B plus B plus. 34 00:02:08,520 --> 00:02:09,120 Speaker 2: I like it. 35 00:02:09,320 --> 00:02:09,720 Speaker 4: I like it. 36 00:02:09,840 --> 00:02:12,480 Speaker 2: Let's get into the money diary, though, because I want 37 00:02:12,520 --> 00:02:15,400 Speaker 2: to know all about this money dirates, Can you tell 38 00:02:15,480 --> 00:02:17,600 Speaker 2: us a little bit about your money story? 39 00:02:17,720 --> 00:02:18,000 Speaker 4: Sure? 40 00:02:18,280 --> 00:02:22,640 Speaker 5: So, growing up, I didn't have a lot of financial literacy. 41 00:02:22,880 --> 00:02:26,560 Speaker 5: Money wasn't talked about in the family like adult affairs. 42 00:02:26,600 --> 00:02:29,239 Speaker 5: Hush hush, you don't talk about it. So I just 43 00:02:29,360 --> 00:02:32,880 Speaker 5: learned to not ask my parents or anything to do 44 00:02:32,919 --> 00:02:35,360 Speaker 5: with you know, their jobs or how much they earn 45 00:02:35,440 --> 00:02:38,720 Speaker 5: or anything like that. I was also made to feel 46 00:02:38,760 --> 00:02:41,640 Speaker 5: like it was a bad thing to accept gifts or 47 00:02:42,480 --> 00:02:46,720 Speaker 5: you know, money on you know, birthdays or special events, 48 00:02:46,760 --> 00:02:50,040 Speaker 5: because you know you're not meant to be taking money 49 00:02:50,080 --> 00:02:52,120 Speaker 5: from others. You're meant to be saving your own money. 50 00:02:52,160 --> 00:02:55,919 Speaker 5: So a lot of conflicting types of ideologies growing up 51 00:02:56,240 --> 00:02:59,120 Speaker 5: where you know, you don't talk about money, but you 52 00:02:59,160 --> 00:03:01,760 Speaker 5: know you can't sort of accept gifts and things from 53 00:03:01,960 --> 00:03:06,720 Speaker 5: family and other people as well. And I didn't really 54 00:03:06,760 --> 00:03:09,840 Speaker 5: work until I was nineteen, so I had no concept 55 00:03:09,919 --> 00:03:13,799 Speaker 5: of super or taxes until I started work, and even then, 56 00:03:14,280 --> 00:03:17,639 Speaker 5: working while doing UNI, I didn't realize, you know, what 57 00:03:17,680 --> 00:03:20,320 Speaker 5: the importance of super was, or you know, how to 58 00:03:20,360 --> 00:03:21,880 Speaker 5: do your taxes, things like that. 59 00:03:21,880 --> 00:03:23,920 Speaker 2: That's so common though, so common. 60 00:03:24,240 --> 00:03:26,919 Speaker 5: Yeah, so I just sort of blindly fumbled my way 61 00:03:26,960 --> 00:03:31,320 Speaker 5: through working a few part time jobs while studying. Even 62 00:03:31,360 --> 00:03:35,640 Speaker 5: when I started working as a doctor, it was just all, 63 00:03:36,200 --> 00:03:39,120 Speaker 5: you know, I earned, I spent, I earned, I spent, 64 00:03:39,680 --> 00:03:41,800 Speaker 5: I saved, but I didn't know what I was saving 65 00:03:41,880 --> 00:03:43,760 Speaker 5: for and I didn't know how to save, so it's 66 00:03:43,800 --> 00:03:46,800 Speaker 5: just whatever I didn't spend ended up being savings. So, 67 00:03:46,880 --> 00:03:50,160 Speaker 5: you know, I was just sort of going through that 68 00:03:50,200 --> 00:03:54,720 Speaker 5: sort of endless cycle until I got scammed. Basically, Oh 69 00:03:54,800 --> 00:03:58,680 Speaker 5: my gosh, that sort of changed my perspective on things. 70 00:03:59,000 --> 00:04:02,840 Speaker 2: So talk to me a little bit about this circumstance. Obviously, 71 00:04:02,880 --> 00:04:05,080 Speaker 2: that's the reason you've reached out to us. And I 72 00:04:05,120 --> 00:04:08,960 Speaker 2: feel like you sound very articulate, very well spoken, and 73 00:04:09,120 --> 00:04:11,520 Speaker 2: like a very intelligent human being. He dropped before that 74 00:04:11,560 --> 00:04:14,280 Speaker 2: you're a doctor. I feel like that is the exact 75 00:04:14,320 --> 00:04:17,279 Speaker 2: opposite of the type of person I would have assumed to. 76 00:04:17,800 --> 00:04:20,360 Speaker 2: Let's call it full for a scam, even though it's 77 00:04:20,360 --> 00:04:23,800 Speaker 2: not really falling for a scam, it's being manipulated into 78 00:04:24,000 --> 00:04:27,560 Speaker 2: parting with money. Right, how did this happen? How do 79 00:04:27,640 --> 00:04:30,200 Speaker 2: you get scammed out of two hundred and seventy one 80 00:04:30,240 --> 00:04:31,440 Speaker 2: one thousand dollars? 81 00:04:31,720 --> 00:04:34,680 Speaker 5: Yeah, well, it didn't happen in just one big lump 82 00:04:34,680 --> 00:04:36,400 Speaker 5: sum here, can I have two in seventy one k? 83 00:04:37,160 --> 00:04:39,040 Speaker 5: It was over a period of a year and a half, 84 00:04:39,200 --> 00:04:43,360 Speaker 5: and it just started off. So I have family overseas 85 00:04:43,360 --> 00:04:46,200 Speaker 5: and my cousin's overseas, but I grew up with her, 86 00:04:46,240 --> 00:04:49,520 Speaker 5: so you know, we had a pretty close relationship and 87 00:04:49,680 --> 00:04:53,640 Speaker 5: it just started off with a initial sort of Her 88 00:04:53,920 --> 00:04:57,279 Speaker 5: boyfriend was in trouble and she needed to help him out. 89 00:04:57,640 --> 00:05:00,640 Speaker 5: Could I sort of help her help him out? And 90 00:05:00,880 --> 00:05:02,760 Speaker 5: you know, as a once off thing, you know, I 91 00:05:02,880 --> 00:05:05,880 Speaker 5: did in mind, So I transferred her some money, and 92 00:05:05,920 --> 00:05:08,680 Speaker 5: then I guess it just that was the sort of 93 00:05:08,680 --> 00:05:12,920 Speaker 5: opening for an ongoing cycle of a web of lives. 94 00:05:12,960 --> 00:05:16,840 Speaker 5: It's a bit complicated, but essentially it started off with 95 00:05:17,160 --> 00:05:20,320 Speaker 5: one thing. So say, for example, her boyfriend needed money 96 00:05:20,360 --> 00:05:22,320 Speaker 5: for X, Y Z reason and she couldn't go to 97 00:05:22,320 --> 00:05:24,640 Speaker 5: anyone else, and I was the only one she could trust, 98 00:05:25,200 --> 00:05:28,240 Speaker 5: and I was the only one she had kind of scenario. 99 00:05:28,400 --> 00:05:29,320 Speaker 4: And then when that. 100 00:05:29,160 --> 00:05:32,000 Speaker 5: Sort of story had reached its limit, it was some 101 00:05:32,160 --> 00:05:36,719 Speaker 5: other story about someone we knew, a mutual person that 102 00:05:36,760 --> 00:05:39,080 Speaker 5: we knew, and that how he was in financial strife 103 00:05:39,080 --> 00:05:41,680 Speaker 5: and he was hounded by loan sharks and we were 104 00:05:41,720 --> 00:05:44,120 Speaker 5: all he had, and so it became a just a 105 00:05:44,480 --> 00:05:47,840 Speaker 5: sort of spiraling web of lies. And at the time, 106 00:05:47,880 --> 00:05:52,279 Speaker 5: because I knew the person that she was referring to 107 00:05:52,440 --> 00:05:57,640 Speaker 5: as being in all this financial strife, I believed her 108 00:05:58,360 --> 00:06:01,320 Speaker 5: and just didn't question it. Even the stories got more 109 00:06:01,320 --> 00:06:05,080 Speaker 5: and more weird. So for example, he needed, you know, 110 00:06:06,160 --> 00:06:09,039 Speaker 5: medical expenses covered for being really unwell, and then his 111 00:06:09,160 --> 00:06:10,520 Speaker 5: mother died, and then. 112 00:06:10,800 --> 00:06:11,760 Speaker 4: It just spiraled. 113 00:06:12,400 --> 00:06:14,400 Speaker 5: And I mean, I guess at the back of my mind, 114 00:06:14,440 --> 00:06:17,280 Speaker 5: I sort of I was like, what am I doing? 115 00:06:17,400 --> 00:06:21,279 Speaker 5: Why is this happening? Because I never spoke to the 116 00:06:21,320 --> 00:06:23,360 Speaker 5: person that she was referring to. Ever, I was always 117 00:06:23,400 --> 00:06:26,120 Speaker 5: through her. I never saw evidence of anything. I just 118 00:06:26,160 --> 00:06:27,400 Speaker 5: sort of blindly trusted her. 119 00:06:27,600 --> 00:06:30,039 Speaker 2: Well, she was a family member, right, Yeah. 120 00:06:29,800 --> 00:06:32,240 Speaker 5: So it just kept going until it reached a point 121 00:06:32,279 --> 00:06:35,880 Speaker 5: where I guess it was just getting too ridiculous. So 122 00:06:35,960 --> 00:06:40,479 Speaker 5: I was getting random messages from random phone numbers I 123 00:06:40,480 --> 00:06:43,680 Speaker 5: didn't recognize, sort of harassing me for money and things 124 00:06:43,720 --> 00:06:45,839 Speaker 5: like that, and when I've questioned her about it, that'll 125 00:06:45,880 --> 00:06:46,560 Speaker 5: be more lies. 126 00:06:47,040 --> 00:06:48,880 Speaker 4: So then I was like, Okay, this is just weird. 127 00:06:48,920 --> 00:06:52,599 Speaker 5: So then I'd stopped giving her money, and then I 128 00:06:52,600 --> 00:06:55,280 Speaker 5: guess there are a few clues that I'd picked up 129 00:06:55,279 --> 00:06:57,680 Speaker 5: along the way that led me to believe that everything 130 00:06:57,800 --> 00:07:00,760 Speaker 5: was just a sham, but it wasn't. So I realized 131 00:07:00,760 --> 00:07:03,479 Speaker 5: when I'd stopped giving her money, that she changed her 132 00:07:03,520 --> 00:07:07,960 Speaker 5: whole story again to a different sort of story to 133 00:07:08,040 --> 00:07:09,600 Speaker 5: try and get money off me. That I realized that 134 00:07:09,640 --> 00:07:12,320 Speaker 5: this is all a sham, and that I just needed bail. 135 00:07:12,680 --> 00:07:15,360 Speaker 5: But I guess by then I'd already been scammed to 136 00:07:15,520 --> 00:07:16,320 Speaker 5: under in so many. 137 00:07:16,200 --> 00:07:19,960 Speaker 2: K Oh, my gosh, that's awful. I'm so sorry you 138 00:07:20,000 --> 00:07:20,800 Speaker 2: went through that. 139 00:07:21,040 --> 00:07:23,880 Speaker 5: It wasn't a pleasant time and I had to. I 140 00:07:23,920 --> 00:07:26,800 Speaker 5: took out, you know, four credit cards out of personal loon. 141 00:07:27,560 --> 00:07:30,320 Speaker 5: I was working day and night to cover this. And 142 00:07:30,800 --> 00:07:33,640 Speaker 5: the funny thing was I wasn't even the money, wasn't 143 00:07:33,680 --> 00:07:35,480 Speaker 5: even for me. I was just sort of earning it 144 00:07:35,520 --> 00:07:40,360 Speaker 5: and then fundling it to her, and so just escalated. 145 00:07:40,680 --> 00:07:44,520 Speaker 5: But I think once I realized and started getting help, 146 00:07:45,000 --> 00:07:47,920 Speaker 5: then that was the point of no return. I was 147 00:07:48,040 --> 00:07:52,600 Speaker 5: never gonna sort of return to that cycle, I guess. 148 00:07:52,720 --> 00:07:55,280 Speaker 2: Yeah, of course. So this cousin that you had, you 149 00:07:55,360 --> 00:07:58,640 Speaker 2: mentioned your cousin's overseas. Was this someone that you were 150 00:07:58,680 --> 00:07:59,880 Speaker 2: relatively close with. 151 00:07:59,800 --> 00:08:04,080 Speaker 5: Before yep, yep, so used to see her on school holidays, 152 00:08:04,640 --> 00:08:08,160 Speaker 5: grew up with her when we were younger, So totally 153 00:08:08,280 --> 00:08:09,320 Speaker 5: did not see this coming. 154 00:08:09,600 --> 00:08:12,320 Speaker 2: And how did you broach this with family? You said 155 00:08:12,360 --> 00:08:14,800 Speaker 2: that you reached out for help. Was that through family? 156 00:08:14,960 --> 00:08:17,680 Speaker 2: Was it through you know, external sources? What were your 157 00:08:17,680 --> 00:08:21,720 Speaker 2: first few steps there? Because that would be heartbreaking to 158 00:08:21,800 --> 00:08:25,160 Speaker 2: find that out, but also so difficult because it's a 159 00:08:25,160 --> 00:08:25,880 Speaker 2: family member. 160 00:08:26,280 --> 00:08:29,480 Speaker 5: Yeah, it's really awkward, and it's still to this day. 161 00:08:29,880 --> 00:08:33,120 Speaker 5: So basically I reached out to her parents to sort 162 00:08:33,160 --> 00:08:37,800 Speaker 5: of query on her side whether all of this was true, 163 00:08:38,360 --> 00:08:40,760 Speaker 5: which I don't know whether that was a mistake or not, 164 00:08:40,800 --> 00:08:44,840 Speaker 5: but basically they ended up taking her side, and which 165 00:08:44,920 --> 00:08:47,000 Speaker 5: was to say basically that none of this was true 166 00:08:47,000 --> 00:08:49,360 Speaker 5: and that I was lying. So it became a he said, 167 00:08:49,400 --> 00:08:51,360 Speaker 5: she said thing. But I had a bit of help 168 00:08:51,400 --> 00:08:54,480 Speaker 5: from other relatives where she lives to sort of do 169 00:08:54,520 --> 00:08:57,920 Speaker 5: a bit of background snooping, which which then gave me 170 00:08:57,960 --> 00:09:01,360 Speaker 5: the evidence that this is all not true. And I 171 00:09:01,440 --> 00:09:03,439 Speaker 5: guess in terms of financial help, I did receive a 172 00:09:03,480 --> 00:09:06,320 Speaker 5: lot of help from my parents and my friends to 173 00:09:06,400 --> 00:09:08,439 Speaker 5: sort of get me out of it, but it took 174 00:09:08,480 --> 00:09:12,920 Speaker 5: me a long time to confess to them, I guess 175 00:09:13,080 --> 00:09:15,640 Speaker 5: for one of a better term as to what had happened, 176 00:09:15,640 --> 00:09:19,520 Speaker 5: because I was just so ashamed of what I did 177 00:09:20,320 --> 00:09:22,840 Speaker 5: and I felt like I was the one that caused 178 00:09:22,840 --> 00:09:26,400 Speaker 5: it all, and so it was just a bit difficult 179 00:09:26,520 --> 00:09:30,720 Speaker 5: to let them know. But once I did, it was fine. 180 00:09:31,000 --> 00:09:33,000 Speaker 2: So what does this look like today? 181 00:09:33,040 --> 00:09:33,199 Speaker 4: Then? 182 00:09:33,360 --> 00:09:38,040 Speaker 2: Obviously family is family kind of forever. You obviously don't 183 00:09:38,040 --> 00:09:41,480 Speaker 2: have a relationship with her anymore, But what does that 184 00:09:41,559 --> 00:09:43,040 Speaker 2: look like for the broader family. 185 00:09:43,559 --> 00:09:46,679 Speaker 5: Well, I still don't know, because I haven't seen her 186 00:09:46,960 --> 00:09:49,760 Speaker 5: or heard from her since I've confronted her with the 187 00:09:49,840 --> 00:09:51,120 Speaker 5: you know, I know you're lying thing. 188 00:09:51,920 --> 00:09:54,680 Speaker 4: She's basically blocked me. Her parents have blocked me. 189 00:09:55,280 --> 00:09:57,880 Speaker 5: They've sort of cut off all contact from the rest 190 00:09:57,920 --> 00:10:00,239 Speaker 5: of the family as well, so no one really knows 191 00:10:00,000 --> 00:10:02,280 Speaker 5: what happened to them and where she is or what 192 00:10:02,320 --> 00:10:07,080 Speaker 5: she's doing. I have tried sought legal options to try 193 00:10:07,120 --> 00:10:10,080 Speaker 5: and get the money back, but it ended up being 194 00:10:10,160 --> 00:10:12,400 Speaker 5: sort of throwing good money at bad and so I 195 00:10:12,440 --> 00:10:16,360 Speaker 5: thought it wasn't worth it and the emotional hohoha of 196 00:10:16,480 --> 00:10:20,480 Speaker 5: going down that pathway and sort of all the debts 197 00:10:20,480 --> 00:10:23,200 Speaker 5: that I'd accumulated in that time period, I've now paid 198 00:10:23,200 --> 00:10:27,600 Speaker 5: off and completely debt free. So that's good from a 199 00:10:27,640 --> 00:10:29,000 Speaker 5: debt free from that point of view. 200 00:10:29,120 --> 00:10:31,679 Speaker 2: Oh, I'm glad. I was about to ask about that. 201 00:10:31,800 --> 00:10:34,040 Speaker 2: I was like, please tell me you're not still in this. 202 00:10:34,760 --> 00:10:37,040 Speaker 5: No, but it took me about three years to get 203 00:10:37,080 --> 00:10:42,480 Speaker 5: completely debt free from that whole saga, so slow process, 204 00:10:42,559 --> 00:10:46,640 Speaker 5: but conscience, clean slate white now, so oh good. 205 00:10:46,720 --> 00:10:49,040 Speaker 2: I'm glad that you're in that position. And when I 206 00:10:49,080 --> 00:10:52,040 Speaker 2: ask a few more perfect questions about your cousin, you said, 207 00:10:52,080 --> 00:10:54,520 Speaker 2: you know, we'd see each other on school holidays. Obviously 208 00:10:54,600 --> 00:10:56,320 Speaker 2: you never saw this coming. And I mean, if my 209 00:10:56,360 --> 00:10:58,240 Speaker 2: cousin reached out to me and said I need help, 210 00:10:58,679 --> 00:11:01,520 Speaker 2: I'd be there with bells on, absolutely no worries, like 211 00:11:01,559 --> 00:11:05,560 Speaker 2: I've got your back with family. Right. Were there indicators 212 00:11:05,640 --> 00:11:08,520 Speaker 2: or little red flags growing up that maybe she wasn't 213 00:11:08,520 --> 00:11:11,280 Speaker 2: the most honest person or did this just come completely 214 00:11:11,360 --> 00:11:12,080 Speaker 2: out of the blue. 215 00:11:12,360 --> 00:11:15,520 Speaker 5: I guess on reflection, there were probably some indicators. So 216 00:11:15,559 --> 00:11:18,760 Speaker 5: she's a bit older than me, and I used to 217 00:11:19,160 --> 00:11:23,520 Speaker 5: see her lie sometimes when we went situations, and sometimes 218 00:11:23,559 --> 00:11:26,240 Speaker 5: I'd get the blame for something I never did, and 219 00:11:26,280 --> 00:11:29,920 Speaker 5: I just put that down to you know, childhood, immaturity 220 00:11:30,000 --> 00:11:32,520 Speaker 5: or whatever, like I never took it seriously, but I 221 00:11:32,640 --> 00:11:36,480 Speaker 5: was looking back, there might be some things that hinted 222 00:11:36,480 --> 00:11:39,400 Speaker 5: at an unbecoming character to be. 223 00:11:40,040 --> 00:11:43,520 Speaker 2: Oh my gosh. And then as an adult, as things 224 00:11:43,559 --> 00:11:46,800 Speaker 2: started to become very complex, and obviously there was a 225 00:11:46,840 --> 00:11:48,920 Speaker 2: string of lies. And then she told you that you 226 00:11:49,000 --> 00:11:51,600 Speaker 2: know someone you liked was in trouble and then obviously 227 00:11:51,720 --> 00:11:55,320 Speaker 2: you kind of worked out that maybe this wasn't what 228 00:11:55,480 --> 00:11:59,000 Speaker 2: she was saying it was. At what point was that 229 00:11:59,080 --> 00:12:01,520 Speaker 2: and how did you go about going all right? Well, 230 00:12:01,640 --> 00:12:03,720 Speaker 2: you mentioned before that you had some family or some 231 00:12:03,880 --> 00:12:06,240 Speaker 2: people in the same country as her do a little 232 00:12:06,280 --> 00:12:09,360 Speaker 2: bit of digging, which was helpful. How did you reach 233 00:12:09,440 --> 00:12:13,640 Speaker 2: out about that? And I guess explain that circumstance because 234 00:12:13,880 --> 00:12:16,960 Speaker 2: when it comes to being scammed, there is often a 235 00:12:17,000 --> 00:12:20,760 Speaker 2: lot of stigma and shame that exists when they shouldn't be. Like, 236 00:12:21,280 --> 00:12:24,040 Speaker 2: looking at it from the surface level. From my perspective, 237 00:12:24,400 --> 00:12:27,079 Speaker 2: you did it because you cared. You did it because 238 00:12:27,120 --> 00:12:29,480 Speaker 2: you're a kind human being who wanted your cousin to 239 00:12:29,480 --> 00:12:31,600 Speaker 2: be okay and this other person to be okay, and 240 00:12:31,640 --> 00:12:33,840 Speaker 2: you were just like okay, no worries, like of course 241 00:12:33,880 --> 00:12:36,000 Speaker 2: I'm going to help. So I don't think there should 242 00:12:36,040 --> 00:12:38,360 Speaker 2: be any shame there at all. But I think the 243 00:12:38,400 --> 00:12:42,000 Speaker 2: shame exists when you realize or you feel as though 244 00:12:42,400 --> 00:12:45,000 Speaker 2: you got manipulated, And no one likes to think that 245 00:12:45,040 --> 00:12:48,600 Speaker 2: they got manipulated, right, But how did you break that 246 00:12:48,640 --> 00:12:51,480 Speaker 2: to your family and start unraveling this web of lies? 247 00:12:51,960 --> 00:12:54,760 Speaker 5: So I reached out to a different cousin to try 248 00:12:54,760 --> 00:12:57,840 Speaker 5: and because I guess the number of the person that 249 00:12:58,040 --> 00:13:00,880 Speaker 5: you're saying was in all sorts of strife, every time 250 00:13:00,920 --> 00:13:03,960 Speaker 5: I tried contacting that number to get the facts, they 251 00:13:04,000 --> 00:13:07,560 Speaker 5: never answered the phone, which is obviously a red, massive 252 00:13:07,559 --> 00:13:11,280 Speaker 5: red flag. So I tried to get the number of 253 00:13:11,320 --> 00:13:16,480 Speaker 5: the actual person from a different cousin, who then managed 254 00:13:16,520 --> 00:13:19,040 Speaker 5: to get it, and I called up that actual person, 255 00:13:19,720 --> 00:13:23,319 Speaker 5: who had no idea that his name was being used 256 00:13:23,320 --> 00:13:26,600 Speaker 5: in this whole string of things. I mean, he could 257 00:13:26,679 --> 00:13:28,959 Speaker 5: be lying as well, but I don't think so. I 258 00:13:28,960 --> 00:13:32,400 Speaker 5: think it was just a scapegoat essentially. So I guess 259 00:13:32,440 --> 00:13:35,319 Speaker 5: that was sort of a year after a year or 260 00:13:35,400 --> 00:13:38,560 Speaker 5: so of being sort of manipulated, And then it took 261 00:13:38,600 --> 00:13:42,720 Speaker 5: me another half a year or so to let my 262 00:13:43,960 --> 00:13:46,520 Speaker 5: mom know. I had to write a letter explaining everything 263 00:13:46,520 --> 00:13:49,199 Speaker 5: because it was just one of those things that it 264 00:13:49,320 --> 00:13:53,320 Speaker 5: was so complex and unbelievable that I couldn't verbalize it, 265 00:13:53,360 --> 00:13:57,240 Speaker 5: so I had to write it down in auto sequence 266 00:13:57,800 --> 00:14:01,400 Speaker 5: just so she could get the facts before sort of. 267 00:14:01,440 --> 00:14:06,000 Speaker 4: Losing losing her mind. Yeah, yeah, so that's what happened 268 00:14:06,000 --> 00:14:07,359 Speaker 4: that Yeah. 269 00:14:07,120 --> 00:14:09,600 Speaker 2: And what did your parents say? When they found out, 270 00:14:09,679 --> 00:14:12,040 Speaker 2: how did they feel about this, because obviously this was 271 00:14:12,080 --> 00:14:12,600 Speaker 2: their niece. 272 00:14:13,200 --> 00:14:18,920 Speaker 5: They were really surprised and shocked that this had happened. 273 00:14:19,640 --> 00:14:24,520 Speaker 5: My mom was particularly very angry at me more than 274 00:14:24,560 --> 00:14:30,720 Speaker 5: anything else, for being sort of deceived in being so gullible. 275 00:14:31,120 --> 00:14:33,840 Speaker 4: No, as in that that was her reaction. 276 00:14:33,960 --> 00:14:36,320 Speaker 5: I know now that that's not the case, so that 277 00:14:36,320 --> 00:14:40,400 Speaker 5: that's that's how she reacted, And I mean, she was 278 00:14:40,440 --> 00:14:43,640 Speaker 5: also angry at my cousin, but I guess on her 279 00:14:43,680 --> 00:14:46,040 Speaker 5: trying to confront my cousin, she just sort of made 280 00:14:46,080 --> 00:14:49,080 Speaker 5: up more lives and things, and I guess at that 281 00:14:49,160 --> 00:14:53,160 Speaker 5: point my mom realized that what had happened to me, 282 00:14:53,200 --> 00:14:56,200 Speaker 5: as In initially she couldn't quite believe it. And it 283 00:14:56,240 --> 00:14:59,000 Speaker 5: wasn't until she talked to my cousin and realized that 284 00:14:59,080 --> 00:15:01,320 Speaker 5: she was not making sense to her as well that 285 00:15:01,520 --> 00:15:04,280 Speaker 5: she realized how much I'd been manipulated. 286 00:15:04,560 --> 00:15:05,520 Speaker 4: And then she did. 287 00:15:05,680 --> 00:15:08,640 Speaker 5: Although she wasn't happy that all of this had occurred, 288 00:15:08,840 --> 00:15:11,800 Speaker 5: she helped me out to get it at some of 289 00:15:11,800 --> 00:15:14,240 Speaker 5: my debt and things like that, Oh. 290 00:15:14,080 --> 00:15:16,760 Speaker 2: My gosh, I'm so glad you had your parents, And 291 00:15:17,240 --> 00:15:19,920 Speaker 2: I feel like that's really common for parents to sometimes 292 00:15:19,960 --> 00:15:23,400 Speaker 2: learn something that's really shocking, especially about their child that 293 00:15:23,440 --> 00:15:25,320 Speaker 2: they want to love and protect and you know, don't 294 00:15:25,360 --> 00:15:27,800 Speaker 2: want you to get into trouble. They don't always respond 295 00:15:27,840 --> 00:15:30,680 Speaker 2: in the way that you would hope to immediately. Sometimes 296 00:15:30,680 --> 00:15:32,400 Speaker 2: they need a bit of time to calm down and 297 00:15:32,480 --> 00:15:35,480 Speaker 2: find to their feet and find their actual response. So 298 00:15:35,520 --> 00:15:39,000 Speaker 2: that that's very relatable. But money darist, I want to 299 00:15:39,040 --> 00:15:41,360 Speaker 2: know a bit more about you because obviously this is 300 00:15:41,400 --> 00:15:44,320 Speaker 2: just something that happened to you along your financial journey. 301 00:15:44,360 --> 00:15:46,920 Speaker 2: It's not the defining factor of who you are or 302 00:15:46,960 --> 00:15:50,320 Speaker 2: what you're creating when it comes to financial freedom. I 303 00:15:50,320 --> 00:15:51,840 Speaker 2: want to know what do you do for work? How 304 00:15:51,920 --> 00:15:52,880 Speaker 2: much money do you earn. 305 00:15:53,120 --> 00:15:56,520 Speaker 5: So I'm a doctor, I do both work in a 306 00:15:56,560 --> 00:15:59,480 Speaker 5: hospital and I do private work as well, so I 307 00:15:59,480 --> 00:16:01,520 Speaker 5: have about four streams of income. 308 00:16:01,880 --> 00:16:04,960 Speaker 2: Oh, very sexy, which can be. 309 00:16:04,920 --> 00:16:07,880 Speaker 5: A bit variable because of the private work, but I 310 00:16:07,880 --> 00:16:10,280 Speaker 5: guess at the moment. I think last financial year, I 311 00:16:10,320 --> 00:16:13,880 Speaker 5: think was about two hundred and just under two fifty 312 00:16:14,640 --> 00:16:18,280 Speaker 5: k pre tax, which works out to be I've worked 313 00:16:18,320 --> 00:16:21,040 Speaker 5: out on my spreadsheet that I allow myself an income 314 00:16:21,080 --> 00:16:25,760 Speaker 5: of about thirteen thousand a month after tax, So I 315 00:16:25,800 --> 00:16:31,080 Speaker 5: allow myself about thirteen thousand dollars a month for income. 316 00:16:31,360 --> 00:16:33,000 Speaker 2: That is very impressive. 317 00:16:33,360 --> 00:16:37,440 Speaker 5: I divide that into sort of daily expense, shared expenses 318 00:16:37,640 --> 00:16:42,320 Speaker 5: with my husband, and savings and splurge. 319 00:16:42,440 --> 00:16:45,360 Speaker 2: Perfect. Next question I've got for you is what is 320 00:16:45,400 --> 00:16:47,400 Speaker 2: your big money goal. You said that you'd paid back 321 00:16:47,480 --> 00:16:50,080 Speaker 2: all of the debt from being scams, So where are 322 00:16:50,080 --> 00:16:52,080 Speaker 2: we going now? What are we working towards? 323 00:16:52,160 --> 00:16:56,600 Speaker 5: Yep, so recently hit previous money goal, which was to 324 00:16:56,600 --> 00:17:01,160 Speaker 5: buy a house, so that's done. Money goal would be 325 00:17:01,360 --> 00:17:04,919 Speaker 5: saving up for when I'm not able to work, say for. 326 00:17:04,960 --> 00:17:09,320 Speaker 4: Example, for maternity lead. Yeah, and also saving for investments 327 00:17:09,920 --> 00:17:10,800 Speaker 4: to grow our wealth. 328 00:17:10,880 --> 00:17:12,600 Speaker 2: That's exciting. All right, We're going to go to a 329 00:17:12,640 --> 00:17:14,640 Speaker 2: really quick break, and on the other side of the break, 330 00:17:14,680 --> 00:17:16,440 Speaker 2: I want to learn a little bit more about your 331 00:17:16,440 --> 00:17:19,480 Speaker 2: investing habits and what your plans are, so guys, don't 332 00:17:19,480 --> 00:17:27,080 Speaker 2: go anywhere. All right, we are back money Diarist. I 333 00:17:27,119 --> 00:17:29,439 Speaker 2: feel like you have been through the absolute wars, but 334 00:17:29,480 --> 00:17:31,719 Speaker 2: it sounds like you're coming out the other side, and 335 00:17:31,760 --> 00:17:34,400 Speaker 2: you are a very good example of somebody who has 336 00:17:34,480 --> 00:17:36,879 Speaker 2: been scammed that you just wouldn't expect. I feel like 337 00:17:36,920 --> 00:17:40,040 Speaker 2: everybody just assumes that to be scammed. You have to 338 00:17:40,040 --> 00:17:43,159 Speaker 2: be silly or not intelligent or not be able to 339 00:17:43,200 --> 00:17:46,600 Speaker 2: see things. But the scam you went through was incredibly 340 00:17:46,680 --> 00:17:50,600 Speaker 2: manipulative and was also run by a family member, which 341 00:17:50,640 --> 00:17:55,680 Speaker 2: is honestly, just from my perspective, absolutely cooked. But we're 342 00:17:55,720 --> 00:17:58,680 Speaker 2: jumping back into it. You are back on track, you're 343 00:17:58,720 --> 00:18:01,160 Speaker 2: out of debt, you are working towards big money goals. 344 00:18:01,160 --> 00:18:04,679 Speaker 2: You've purchased your first home, which is so exciting. So 345 00:18:04,720 --> 00:18:07,600 Speaker 2: I want to know what's your investment plans for the future. 346 00:18:07,800 --> 00:18:11,240 Speaker 5: So I've already got some investments in terms of an 347 00:18:11,280 --> 00:18:16,399 Speaker 5: investment property and some shares that the investment plan longer 348 00:18:16,480 --> 00:18:21,920 Speaker 5: term would be to invest for potential future children's education 349 00:18:22,560 --> 00:18:26,760 Speaker 5: and also to grow our wealth generally in terms of 350 00:18:26,800 --> 00:18:28,800 Speaker 5: having a passive income, so I don't have to work 351 00:18:28,840 --> 00:18:29,320 Speaker 5: as much. 352 00:18:29,640 --> 00:18:32,760 Speaker 2: Very sexy. I like that when it comes to investing 353 00:18:32,760 --> 00:18:35,280 Speaker 2: for children's education. How do you think you might go 354 00:18:35,359 --> 00:18:37,440 Speaker 2: about doing that? Have you given that any thought? 355 00:18:37,760 --> 00:18:38,080 Speaker 4: Yep. 356 00:18:38,280 --> 00:18:42,919 Speaker 5: So every month we're putting aside a certain amount of 357 00:18:42,920 --> 00:18:46,800 Speaker 5: money to invest in shares, and the idea is to 358 00:18:46,920 --> 00:18:50,520 Speaker 5: invest over the next fifteen years or so and hopefully 359 00:18:50,560 --> 00:18:55,359 Speaker 5: build a portfolio that's going to be something that we 360 00:18:55,400 --> 00:19:00,359 Speaker 5: can use to fund future child education and if we 361 00:19:00,440 --> 00:19:00,720 Speaker 5: need to. 362 00:19:01,280 --> 00:19:04,520 Speaker 2: How exciting. I feel like that is really far aheads, 363 00:19:04,560 --> 00:19:07,159 Speaker 2: like that's something that you know, I've just gotten married 364 00:19:07,160 --> 00:19:09,720 Speaker 2: and we're starting to talk about kids and stuff like that, 365 00:19:09,760 --> 00:19:11,840 Speaker 2: And it's not a conversation I've even had with my 366 00:19:11,880 --> 00:19:15,400 Speaker 2: partner yet about education. How have you started having these 367 00:19:15,440 --> 00:19:18,000 Speaker 2: conversations with your husband? Is this something that you and 368 00:19:18,040 --> 00:19:20,360 Speaker 2: your husband just openly talk about always? Because I feel 369 00:19:20,400 --> 00:19:21,440 Speaker 2: like this is so progressive. 370 00:19:21,440 --> 00:19:25,000 Speaker 5: I love it, Yes, just because he's obsessed with our 371 00:19:25,240 --> 00:19:28,280 Speaker 5: future kids going to private schools and that being a 372 00:19:28,320 --> 00:19:32,520 Speaker 5: significant cost. And I don't share the exact same beliefs 373 00:19:32,520 --> 00:19:36,800 Speaker 5: about needing a private school education to give being exceptionally 374 00:19:36,800 --> 00:19:39,280 Speaker 5: important in a child's life. 375 00:19:39,359 --> 00:19:41,280 Speaker 4: But I can see that. 376 00:19:42,040 --> 00:19:45,720 Speaker 5: I mean, I had a private education and I thought that, 377 00:19:46,000 --> 00:19:48,520 Speaker 5: you know, my school was fantastic, But I mean, I 378 00:19:48,560 --> 00:19:50,439 Speaker 5: don't have anything to compare to. I never went to 379 00:19:50,680 --> 00:19:55,320 Speaker 5: a public school. So I guess that conversation was always 380 00:19:55,359 --> 00:19:58,680 Speaker 5: open because he's so vocal about it and so keen 381 00:19:59,160 --> 00:20:02,000 Speaker 5: for that to that we thought we might as well 382 00:20:02,080 --> 00:20:03,080 Speaker 5: just plan early. 383 00:20:03,240 --> 00:20:05,359 Speaker 2: I feel like I love that, Like it's just something 384 00:20:05,400 --> 00:20:08,640 Speaker 2: that a lot of couples aren't thinking about especially before 385 00:20:08,680 --> 00:20:12,080 Speaker 2: they have kids. Are you guys as communicative or is 386 00:20:12,080 --> 00:20:14,679 Speaker 2: your husband as vocal about other financial goals or is 387 00:20:14,680 --> 00:20:16,720 Speaker 2: it just really about the education. 388 00:20:16,840 --> 00:20:20,480 Speaker 5: Now, I think we're pretty open about everything. We do 389 00:20:20,560 --> 00:20:23,800 Speaker 5: the whole for date night thing where we talk about 390 00:20:24,119 --> 00:20:29,240 Speaker 5: money related to dud, you know, and review our goals 391 00:20:29,560 --> 00:20:31,439 Speaker 5: and our savings and budget and all of that. 392 00:20:32,119 --> 00:20:34,720 Speaker 4: So we're pretty open about talking about money. 393 00:20:35,080 --> 00:20:39,400 Speaker 2: How exciting, Oh my gosh. You mentioned before you've recently 394 00:20:39,440 --> 00:20:42,359 Speaker 2: bought a home and you have an investment property. So 395 00:20:42,400 --> 00:20:44,879 Speaker 2: the next question I want to know is what debts 396 00:20:44,920 --> 00:20:46,800 Speaker 2: do you have and how much are you carrying? 397 00:20:47,160 --> 00:20:51,399 Speaker 5: Yep, so I have zero personal debt or credit card 398 00:20:51,400 --> 00:20:52,960 Speaker 5: debt or X debt. 399 00:20:52,920 --> 00:20:53,639 Speaker 2: Yes, Queen. 400 00:20:55,119 --> 00:20:59,000 Speaker 5: In terms of investment property, I have about I think 401 00:20:59,000 --> 00:21:04,040 Speaker 5: four under thirty k mortgage and now place where we 402 00:21:04,080 --> 00:21:11,040 Speaker 5: live we share a one point three million dollar property mortgage, 403 00:21:11,640 --> 00:21:15,280 Speaker 5: so those would be the main debts at the moment. 404 00:21:15,560 --> 00:21:18,640 Speaker 2: When it comes to investment property. You're quite young. You're 405 00:21:18,760 --> 00:21:21,000 Speaker 2: thirty three, so I feel like you are still a 406 00:21:21,040 --> 00:21:23,400 Speaker 2: baby and you are killing it. And I know you've 407 00:21:23,440 --> 00:21:27,159 Speaker 2: been through some pretty significant financial hardship, but to have 408 00:21:27,200 --> 00:21:28,919 Speaker 2: gone through what you've gone through, and to have an 409 00:21:28,960 --> 00:21:32,320 Speaker 2: investment property in a family home like this is so exciting. 410 00:21:32,720 --> 00:21:34,760 Speaker 2: I want to know when did you get your investment 411 00:21:34,800 --> 00:21:37,200 Speaker 2: property and what led you down the path of making 412 00:21:37,200 --> 00:21:38,479 Speaker 2: the decision to purchase that. 413 00:21:38,760 --> 00:21:42,800 Speaker 4: Sure. So, actually, my investment property was my principal place 414 00:21:42,840 --> 00:21:45,480 Speaker 4: of residence at the time that I purchased it in 415 00:21:46,320 --> 00:21:48,560 Speaker 4: It was an off the planned place that I purchased 416 00:21:48,600 --> 00:21:50,400 Speaker 4: in twenty eighteen. 417 00:21:50,960 --> 00:21:53,160 Speaker 5: The funny thing is that while I was getting scammed, 418 00:21:53,720 --> 00:21:57,000 Speaker 5: I still knew that I had to pay my mortgage 419 00:21:57,119 --> 00:21:58,960 Speaker 5: repayments first above anything else. 420 00:21:59,040 --> 00:22:00,600 Speaker 4: I never defaulted on on that. 421 00:22:01,240 --> 00:22:02,960 Speaker 2: Yes, I'm so glad. 422 00:22:03,200 --> 00:22:05,000 Speaker 4: I just didn't have money for anything else. 423 00:22:05,080 --> 00:22:08,320 Speaker 5: Basically, so I was living there and then when I 424 00:22:08,359 --> 00:22:13,560 Speaker 5: met my husband and we decided to move in together, 425 00:22:13,920 --> 00:22:17,680 Speaker 5: he had the bums for a deposit already saved, and 426 00:22:17,760 --> 00:22:19,400 Speaker 5: I had the I. 427 00:22:19,320 --> 00:22:21,680 Speaker 2: Guess the borrowing capacity yep. 428 00:22:21,560 --> 00:22:23,160 Speaker 4: Yeah, the borrowing capacity yep. 429 00:22:23,440 --> 00:22:26,520 Speaker 5: So with our hoous combined, we managed to get a 430 00:22:26,760 --> 00:22:30,600 Speaker 5: property together. So joined in both our names, and that's 431 00:22:30,600 --> 00:22:32,959 Speaker 5: when my other place turned into an investment property. 432 00:22:33,160 --> 00:22:36,880 Speaker 2: Yeah. How exciting. And then with your family home one 433 00:22:36,920 --> 00:22:40,119 Speaker 2: point three to three million dollars as a mortgage leaves 434 00:22:40,119 --> 00:22:42,240 Speaker 2: a bit of a lump in my throat. How did 435 00:22:42,280 --> 00:22:45,120 Speaker 2: you feel going and getting that mortgage? Was that something 436 00:22:45,160 --> 00:22:47,320 Speaker 2: where we were like, okay, cool, like I know in 437 00:22:47,359 --> 00:22:49,760 Speaker 2: the area I live, this is just what property costs. 438 00:22:49,840 --> 00:22:52,399 Speaker 2: But also, how did you feel taking out a mortgage 439 00:22:52,440 --> 00:22:53,640 Speaker 2: of more than a million dollars? 440 00:22:54,119 --> 00:22:54,639 Speaker 4: Okay? 441 00:22:54,760 --> 00:22:58,040 Speaker 5: Only because we had a good mortgage broker who gave 442 00:22:58,119 --> 00:23:01,719 Speaker 5: us a pre approval, and you know, we bought below 443 00:23:02,440 --> 00:23:05,240 Speaker 5: our pre approval max, and we saw a lot of 444 00:23:05,800 --> 00:23:08,159 Speaker 5: properties in the area, so we've done a lot of 445 00:23:08,200 --> 00:23:12,480 Speaker 5: research beforehand, and so when we did buy what we 446 00:23:12,560 --> 00:23:16,520 Speaker 5: did by we were comfortable that we could make those repayments. 447 00:23:16,520 --> 00:23:19,159 Speaker 5: But we bought just before the first lot of interest 448 00:23:19,240 --> 00:23:26,400 Speaker 5: rates went up, so in April last year. So since then, 449 00:23:26,720 --> 00:23:29,000 Speaker 5: every time we think, oh, this is the repayment, it 450 00:23:29,119 --> 00:23:29,639 Speaker 5: just goes up. 451 00:23:30,280 --> 00:23:32,639 Speaker 2: I can feel that in my soul at the moment. 452 00:23:33,240 --> 00:23:34,639 Speaker 4: Yeah, it's still manageable. 453 00:23:35,119 --> 00:23:37,840 Speaker 5: I think it helped that we didn't sort of stretch 454 00:23:37,920 --> 00:23:39,639 Speaker 5: out what we could borrow. 455 00:23:39,720 --> 00:23:42,520 Speaker 4: We just borrowed sort of just under Yeah. 456 00:23:42,560 --> 00:23:44,639 Speaker 2: Wow, all right, I want to know what do you 457 00:23:44,680 --> 00:23:46,720 Speaker 2: think is your best money Habit. 458 00:23:46,880 --> 00:23:52,160 Speaker 5: Probably setting up direct debits for transfers into savings and 459 00:23:52,800 --> 00:23:54,560 Speaker 5: for bills and things so that I don't have to 460 00:23:54,800 --> 00:23:58,280 Speaker 5: think about it's all automated. And also just setting up 461 00:23:58,320 --> 00:24:01,040 Speaker 5: all the bucketing in the first place, because prior to that, 462 00:24:01,119 --> 00:24:04,080 Speaker 5: I was just like I said whatever, I didn't spend 463 00:24:04,160 --> 00:24:07,439 Speaker 5: with savings, so there was no structure to anything, so 464 00:24:07,480 --> 00:24:09,280 Speaker 5: I didn't know what I was doing. Whereas now I 465 00:24:09,320 --> 00:24:13,199 Speaker 5: feel more in control and I can see when you 466 00:24:13,240 --> 00:24:16,560 Speaker 5: know savings are built up over time and it's satisfying. 467 00:24:16,720 --> 00:24:18,240 Speaker 2: I love that. I feel like cashlow is one of 468 00:24:18,320 --> 00:24:20,600 Speaker 2: my favorite things ever. It's literally why I built the 469 00:24:20,600 --> 00:24:23,320 Speaker 2: Budget and Cashlow Masterclass, because I was just obsessed with 470 00:24:23,359 --> 00:24:26,760 Speaker 2: creating a cash flow system very selfishly for me, and 471 00:24:26,800 --> 00:24:29,640 Speaker 2: then I shared it with everybody else. But it's actually 472 00:24:29,720 --> 00:24:31,840 Speaker 2: so fun when things start to work and you know 473 00:24:31,880 --> 00:24:33,679 Speaker 2: where things are going and which bucket it's going to 474 00:24:33,720 --> 00:24:35,600 Speaker 2: fall into, and you know that your goals are going 475 00:24:35,600 --> 00:24:38,080 Speaker 2: to be achieved. There's just such a sense of accomplishment 476 00:24:38,160 --> 00:24:40,200 Speaker 2: with that. Yeah, when people say, oh, my best have 477 00:24:40,280 --> 00:24:41,920 Speaker 2: it is cashlow, I'm like, yeah, and get it because 478 00:24:41,960 --> 00:24:43,800 Speaker 2: it's kind of set you up for life, like it's 479 00:24:43,880 --> 00:24:46,959 Speaker 2: the best thing that you can do for yourself regardless 480 00:24:46,960 --> 00:24:49,280 Speaker 2: of what you earn to bring the mood down a 481 00:24:49,280 --> 00:24:52,320 Speaker 2: little bit, because I'm all about knowing about worse things too. 482 00:24:52,680 --> 00:24:54,680 Speaker 2: What do you think is your worst money habit? 483 00:24:55,040 --> 00:25:00,480 Speaker 5: Probably I'm a bit stingy with allocating money from self 484 00:25:00,640 --> 00:25:04,800 Speaker 5: for splurge and discretionary expenses, so then I end up 485 00:25:05,720 --> 00:25:09,639 Speaker 5: digging into other funds to make something happen if I 486 00:25:09,680 --> 00:25:13,119 Speaker 5: really wanted to happen, and then having to keep transferring 487 00:25:13,160 --> 00:25:16,120 Speaker 5: money back and forth to even it out afterwards. 488 00:25:16,560 --> 00:25:20,960 Speaker 4: So I guess just reviewing my discretionary expense fund. 489 00:25:21,280 --> 00:25:24,360 Speaker 2: Yeah, that's totally okay. Now that we've had a good 490 00:25:24,359 --> 00:25:26,840 Speaker 2: conversation and I have a really good understanding of you, 491 00:25:27,240 --> 00:25:29,800 Speaker 2: it sounds like you've gone through a lot. Obviously, being 492 00:25:29,840 --> 00:25:32,800 Speaker 2: scammed by your cousin who lives overseas for two hundred 493 00:25:32,840 --> 00:25:36,480 Speaker 2: and seventy one thousand dollars is nuts. But you've come 494 00:25:36,520 --> 00:25:38,320 Speaker 2: out the other side of this. You met your husband, 495 00:25:38,359 --> 00:25:40,520 Speaker 2: you've moved in together, you have a family home together, 496 00:25:40,560 --> 00:25:43,760 Speaker 2: you have your own investment property, you're investing your saving, 497 00:25:43,880 --> 00:25:46,760 Speaker 2: you have a bang in cash flow system. Do you 498 00:25:47,000 --> 00:25:49,399 Speaker 2: really think that you're only a B plus my friend? 499 00:25:49,760 --> 00:25:54,120 Speaker 5: Yes, just because I still have a bit more learning 500 00:25:54,200 --> 00:25:57,960 Speaker 5: to do in terms of like things like acid protection 501 00:25:58,200 --> 00:26:00,959 Speaker 5: and wealth creation. Like there's a whole lot of terminology 502 00:26:01,040 --> 00:26:03,719 Speaker 5: that I still don't understand and I would like to 503 00:26:03,840 --> 00:26:06,560 Speaker 5: learn more about. So, I mean, I think I was 504 00:26:06,600 --> 00:26:09,680 Speaker 5: an F a few years ago, So I think I've 505 00:26:10,080 --> 00:26:12,120 Speaker 5: come a long way, and I'm pretty. 506 00:26:11,920 --> 00:26:14,280 Speaker 2: We've come so far. And I feel like B plus 507 00:26:14,359 --> 00:26:16,879 Speaker 2: isn't bad. I always just like reflecting on it. And 508 00:26:16,920 --> 00:26:19,800 Speaker 2: my favorite thing when I ask that question and say, oh, 509 00:26:19,800 --> 00:26:22,000 Speaker 2: do you really think you're a B plus is not 510 00:26:22,200 --> 00:26:24,800 Speaker 2: that you question it. It's actually that you can give 511 00:26:24,840 --> 00:26:27,879 Speaker 2: me some tangible examples of how you would like to 512 00:26:27,880 --> 00:26:31,040 Speaker 2: better your financial circumstances or the things that you want 513 00:26:31,080 --> 00:26:33,160 Speaker 2: to learn about. And the things that you've mentioned are 514 00:26:33,200 --> 00:26:36,840 Speaker 2: really valid, Like talking about asset protection is so important, 515 00:26:36,840 --> 00:26:40,280 Speaker 2: talking about insurances is so important, especially if you're a doctor, 516 00:26:40,480 --> 00:26:42,639 Speaker 2: because if you can't work as a doctor, you can't 517 00:26:42,680 --> 00:26:45,760 Speaker 2: earn an income, and obviously your income is helping you 518 00:26:45,800 --> 00:26:48,000 Speaker 2: pay your mortgage. So I feel like all of those 519 00:26:48,000 --> 00:26:51,159 Speaker 2: things make so much sense and they are really really valid. 520 00:26:51,240 --> 00:26:52,879 Speaker 2: But do you know what the best part about them 521 00:26:53,000 --> 00:26:56,000 Speaker 2: is they're really easy to learn. About and that's literally 522 00:26:56,000 --> 00:26:59,879 Speaker 2: why we exist. So I have absolutely every belief that 523 00:27:00,040 --> 00:27:01,640 Speaker 2: you are going to be an a plus in absolutely 524 00:27:01,640 --> 00:27:06,240 Speaker 2: no time. Money Diarist, it has been lovely talking to you. 525 00:27:06,480 --> 00:27:08,600 Speaker 2: I am so glad that you have come on the 526 00:27:08,640 --> 00:27:11,680 Speaker 2: show and spoken to me because I just genuinely believe 527 00:27:11,720 --> 00:27:14,440 Speaker 2: that we're breaking down that stigma of who gets scammed 528 00:27:14,480 --> 00:27:17,560 Speaker 2: and what's going on and maybe if somebody else is 529 00:27:17,560 --> 00:27:20,160 Speaker 2: in a similar circumstance, they might reach out for help 530 00:27:20,200 --> 00:27:23,479 Speaker 2: a little bit earlier before they actually get into a 531 00:27:23,520 --> 00:27:27,680 Speaker 2: really big hole, because so many times it's this idea 532 00:27:27,680 --> 00:27:29,080 Speaker 2: that you don't want to reach out because it's a 533 00:27:29,119 --> 00:27:31,800 Speaker 2: bit embarrassing. That really puts us in a deeper hole 534 00:27:31,800 --> 00:27:33,240 Speaker 2: than we need to be in, right. 535 00:27:33,400 --> 00:27:35,320 Speaker 5: I mean yeah, it took me a while as well 536 00:27:35,480 --> 00:27:38,240 Speaker 5: because of those reasons that you mentioned. And I think 537 00:27:39,040 --> 00:27:42,359 Speaker 5: if it helps to allow other people to realize that 538 00:27:42,440 --> 00:27:46,240 Speaker 5: it's not they're not alone, then that's that's a good thing. 539 00:27:46,520 --> 00:27:48,840 Speaker 2: I couldn't agree more. Do you know what it actually 540 00:27:48,880 --> 00:27:51,800 Speaker 2: reminds me of. There's a podcast that I was obsessed with. 541 00:27:51,880 --> 00:27:54,480 Speaker 2: It's actually based in the UK. You might have heard 542 00:27:54,520 --> 00:27:58,000 Speaker 2: of it. It's called Sweet Bobby by Tortoise Media, and 543 00:27:58,040 --> 00:28:01,280 Speaker 2: it's about somebody being catfish, which I feel is very 544 00:28:01,320 --> 00:28:04,359 Speaker 2: similar to your circumstance where they were scammed, and it 545 00:28:04,520 --> 00:28:07,280 Speaker 2: just went for a really long time, and I'm not 546 00:28:07,320 --> 00:28:09,240 Speaker 2: going to spoil it if you haven't listened to it, 547 00:28:09,280 --> 00:28:12,600 Speaker 2: but it's a story that checks out on many levels 548 00:28:12,640 --> 00:28:15,640 Speaker 2: as being quite similar to yours. So if anybody's interested 549 00:28:15,680 --> 00:28:18,560 Speaker 2: in that, that's a little podcast recommendation from me before 550 00:28:18,600 --> 00:28:21,440 Speaker 2: we go, But unfortunately that's all we have time for today. 551 00:28:21,480 --> 00:28:23,320 Speaker 2: Money Deres, thank you so much for joining me. 552 00:28:23,640 --> 00:28:25,320 Speaker 4: Thanks so much for having me. Victoria