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

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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 podcast that

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Speaker 4: makes personal finance fun even on Fridays. It is our

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Speaker 4: favorite day of the week because we get the team

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Speaker 4: together and celebrate you ow incredible. She's on the Money community.

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Speaker 4: Today's just Greegie is going to be sharing her favorite

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Speaker 4: money wins from our community with you. Miss beck Sayed

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Speaker 4: is going to be sharing her broke tips and we're

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Speaker 4: going to be helping to answer a juicy money dilemma,

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Speaker 4: which this week is all about what to do when

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Speaker 4: you find out your colleague is doing the same job

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Speaker 4: as you, but is getting paid more to do it

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Speaker 4: and something that you slid into our DMS about this week,

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Speaker 4: we're talking about whether you should ask your partner to

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Speaker 4: stop going to the bank of Mum and Dad.

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Speaker 2: Happy Hallowekend, Happy Halloweekend.

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Speaker 4: That's the theme.

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Speaker 2: Absolutely, it is.

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Speaker 5: I've never heard that before. That's clever.

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Speaker 2: I feel like that's it. It's a big un mate.

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Speaker 2: I didn't know what was the thing. It's my wedding anniversary. Yeah,

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Speaker 2: we can what secret. It's a great either way because

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Speaker 2: some people celebrated last weekend because this obviously Halloween this

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Speaker 2: week is in the middle of the week, so it's

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Speaker 2: take your pug.

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Speaker 4: Jess has just been like both, yeah, absolutely, I love that.

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Speaker 4: I love that. In not so spooky news, what is

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Speaker 4: my wedding anniversary this weekend? And I'm so excited about

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Speaker 4: that two years. But get this, you guys are gonna

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Speaker 4: be like, sorry, what the hotel that we got married at.

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Speaker 4: We were like so excited because we thought this is

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Speaker 4: going to be lame, but we could like go for

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Speaker 4: a stay ca on our anniversary and as our family grows,

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Speaker 4: like take take the kids and stuff. So we had

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Speaker 4: booked this stayk for a couple of nights at the

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Speaker 4: hotel that we got married at, and we were so

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Speaker 4: excited to take Carvey. And then they called us and

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Speaker 4: said they don't accept children at the hotel anymore.

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Speaker 2: Say, I haven't.

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Speaker 4: I don't know what if anything happened, but they were like, yeah,

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Speaker 4: you can't bring your kid, and I'm like, my kid

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Speaker 4: is nearly eight months old. I will not just be

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Speaker 4: like leaving him at home.

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Speaker 2: Oh we're not going.

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Speaker 4: We're not going. We're just gonna hang out. It's fine.

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Speaker 4: But you know when you're just like, that's so strange. Rue. Also,

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Speaker 4: I want to know what happened that made you ban

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Speaker 4: kids in general.

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Speaker 2: You just know that someone's kid was like running up

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Speaker 2: the whole way, smearing shit on the walls or like

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Speaker 2: something extreme. Yeah, because if it wasn't like fair enough,

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Speaker 2: if it was a kid free hotel to begin with,

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Speaker 2: like an adults only remember I have my wedding there,

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Speaker 2: get the kids everywhere.

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Speaker 5: I'm really curious to know.

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Speaker 2: I just need to know the goss. Anyway.

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Speaker 4: Anyway, moving on, we have some new five star reviews. Guys,

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Speaker 4: who was just three cheek? Do you want to start

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Speaker 4: us off this week. Absolutely.

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Speaker 2: My one is from Kate Cute name, and she said,

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Speaker 2: I love this podcast so much. It has taught me

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Speaker 2: so much about money that I wish I knew years ago.

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Speaker 2: I love you so much better late than never. Highly

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Speaker 2: recommend you.

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Speaker 4: It is so sweet. I was in Spotlight yesterday and

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Speaker 4: I met one of ow She's on the Money community members,

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Speaker 4: and I looked like a bogan. I was wearing my

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Speaker 4: socks and my birken stocks together I call them burken socks,

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Speaker 4: and I was buying embroidery thread and did not look

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Speaker 4: my best and she was like, Hi, what are you embroidering?

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Speaker 2: I saw it on your and.

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Speaker 4: Making Santa sacks. Also, I really like you know how online.

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Speaker 4: I don't know if anybody else is as chronically online

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Speaker 4: as me, but I've seen a lot of girls buy

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Speaker 4: like jeans that have like little flower embroidery patches on

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Speaker 4: their like jean backs and pockets and stuff, and I

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Speaker 4: think it's so cute and they're so expensive, and I'm like,

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Speaker 4: can't be that hard?

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Speaker 2: Could you do it?

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Speaker 4: I could do it myself. And thread, like colored thread

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Speaker 4: is like a dollar fifty each, So I was like

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Speaker 4: this could be me. And also I have ADHD, so

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Speaker 4: that's my current hyperfixation. That's my hobby. I'll probably have

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Speaker 4: a new one in two weeks. Thank you great.

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Speaker 5: Well, before you get there, can you embroider me some jeans?

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Speaker 4: I would? Yeah, let me learn first. I mean I

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Speaker 4: have done embroidery before, but like, let me just blush

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Speaker 4: up on my skills and then you let me know

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Speaker 4: what you want and I'll.

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Speaker 2: Do it for you perfect, exactly exactly.

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Speaker 4: I want to know what's your five star review that

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Speaker 4: you're going to share this week?

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Speaker 2: Beck?

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Speaker 5: Okay, so this one comes from Brook. Brook says, I'm

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Speaker 5: absolutely loving this podcast. It's all I want to listen

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Speaker 5: to twenty four to seven. I appreciate the way Victoria

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Speaker 5: Devine explains complicated and confusing in brackets for someone with

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Speaker 5: no financial background subjects in a way that is simple

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Speaker 5: and easy to understand. Thank you so how nice is that?

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Speaker 1: I know?

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Speaker 5: Thank you so much for this amazing resource. Fabulous she's

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Speaker 5: on the Money team.

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Speaker 2: I love that.

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Speaker 4: Also, there's like seven hundred plus episodes, so we can

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Speaker 4: be in your ears all the time. Also, I wouldn't

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Speaker 4: wish that upon anybody like that's fair.

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Speaker 2: If you want it, but maybe you don't want it.

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Speaker 4: Also, I mean, thank you for the five star review.

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Speaker 4: I really appreciate it. But there are a lot of

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Speaker 4: other good podcasts. My favorite one is Morbid. You should

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Speaker 4: like mix it up a little bit because only wanting

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Speaker 4: to listen to this girl.

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Speaker 5: She's only human.

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Speaker 4: True, it's true, It's true. I have one though. This

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Speaker 4: one's from Marie Kim. She says, love the empowering energy.

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Speaker 4: I'm a long way from being a millennial. My thirty

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Speaker 4: something daughter put me on too, She's on the Money.

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Speaker 4: But I figure it's never too late to learn about

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Speaker 4: money and finance. It's so true, so right. Financial literacy

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Speaker 4: is so important for men, and no matter what age

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Speaker 4: you are or what your current knowledge level is, this

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Speaker 4: is a fantastic podcast. Lifelong learning is the key that

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Speaker 4: is so cool. Cur Hi, Everyone's welcome. I feel like

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Speaker 4: you guys might have noticed we have been moving away

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Speaker 4: from the Hello, We'll welcome to She's on the Money,

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Speaker 4: the podcast for millennials. Yeah, because I'm like, our community

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Speaker 4: is so diverse. Yeah, like, And over the last what

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Speaker 4: six months or so, we've been like the podcast that

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Speaker 4: makes personal finance fun. And I think that that's really like,

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Speaker 4: it's important to point that out as well, because we're

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Speaker 4: not just for millennials, like, we have so many younger

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Speaker 4: people and also so many older people, like we have

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Speaker 4: women in their seventies. And I think we had a

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Speaker 4: message what was it like a couple of months ago,

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Speaker 4: and they said, my grammar, who's eighty one, listened to

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Speaker 4: your podcast and thought it was really fun. No, I

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Speaker 4: was that cool?

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Speaker 2: Iconic?

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Speaker 4: Yeah?

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Speaker 5: Yeah, I love that.

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Speaker 4: It's probably an untapped retiree market we could get in retirement.

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Speaker 2: Not much yet, but hopefully soon. We're working on it.

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Speaker 4: You know. Let's go on to the money wins from

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Speaker 4: our community this week, Jess, what are you bringing to

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Speaker 4: the table wearing a witch's hat?

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Speaker 2: Oh bridy. Firstly, this week I have went from Holly

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Speaker 2: who said, because if she's in the money's recommendation to

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Speaker 2: build an emergency fund. For the first time ever, I

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Speaker 2: was able to pay an unexpected three hundred dollars bill

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Speaker 2: that popped off with cash instead of putting it on

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Speaker 2: my credit card.

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Speaker 4: Is so cool and you're not just staying out of debt.

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Speaker 4: How good does it feel?

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Speaker 1: Like?

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Speaker 4: Holy moly, I've got the cash for that, And that's

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Speaker 4: that's me changing my money story. Yeah, and seeing people.

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Speaker 2: We're getting around Holly on the thread, which was we

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Speaker 2: love to see it. Next, I've got a money win

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Speaker 2: from Lauren, who said I told my boss that I

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Speaker 2: was working on saving some money to buy some new furniture,

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Speaker 2: and she offered me an extra twelve hour shift to

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Speaker 2: pick up.

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Speaker 4: Oh thank you you that that's a photo of a

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Speaker 4: truck that was taila he had.

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Speaker 2: No break let. Next, I've got a money win from Katie,

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Speaker 2: who said she recommended our fabulous celebrant to two couples

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Speaker 2: who we know, who both ended up booking her for

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Speaker 2: their wedding. The celebrant ended up sending us a hundred

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Speaker 2: dollars restaurant vout chat. I so a thank you. That's

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Speaker 2: it's so sweet go out for dinner on us.

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Speaker 4: You're a new couple and probably spent all your money

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Speaker 4: on your wedding anyway.

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Speaker 2: I was just like, so thoughtful and sweet. Next, I've

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Speaker 2: got a money win from Sarah, who said she saved

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Speaker 2: ten grand off of their new shed build just by

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Speaker 2: getting an extra quote. She said she usually gets three,

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Speaker 2: but this time around, she just ended up getting four,

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Speaker 2: and the last one that came in was ten thousand

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Speaker 2: dollars cheaper than all others, more than you think.

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Speaker 4: See, I need to go get some driveway quotes there

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Speaker 4: you go, Yeah, because like ours came in and I

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Speaker 4: was like, absolutely not. And so right now I have

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Speaker 4: like a derelict front yard because we've started demolishing. And

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Speaker 4: then we realized that the quotes that came back, I

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Speaker 4: was like, I am not willing to pay that expended

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Speaker 4: absolutely not, yeah, but just exorbitant. Like I know that

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Speaker 4: putting in a new driveway, it's not going to be

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Speaker 4: a cheap yest. Yeah, but like, don't take the mickey,

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Speaker 4: you know, sure, I'm not going to play with you.

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Speaker 4: If you're not going to play nice chop around.

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Speaker 2: Well, I suggest at least four at least for Sarah's recommendation.

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Speaker 2: So there you go, orribe what else have you got?

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Speaker 2: And lastly, this week, I've got a money in from

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Speaker 2: Maddie who said a brow salon that she's visited in

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Speaker 2: the past posted on the Instagram story because they had

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Speaker 2: a couple of free slots for a brow and lash

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Speaker 2: appointment if you were happy to be a content model

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Speaker 2: because they needed it for the Instagram tape. Pics at

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Speaker 2: any time. Absolutely so Maddie swooped in, snagged a booking

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Speaker 2: and saved herself one hundred and twenty bucks one hundred

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Speaker 2: and twenty dollars because I guess it was a free

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Speaker 2: She's going to retreat so expensive. Do you guys remember Beck,

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Speaker 2: You're probably going to be like, nah, never when like

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Speaker 2: a full set of nails was like thirty dollars crazy?

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Speaker 2: Do you remember when you used to get them.

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Speaker 4: Like in like end of high school, like thirty bucks

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Speaker 4: and you get there these chunky aresacrylics terrible, you know

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Speaker 4: the ones, the really thick wide.

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Speaker 5: Yeah, or they sound so.

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Speaker 4: Like they were thirty dollars. Yeah, they'd be like how

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Speaker 4: much now plasticky? Oh you're paying like seventy dollars at

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Speaker 4: least to get stuff nowadays black material. And I mean

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Speaker 4: we live in like what's central Melbourne, so like it

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Speaker 4: might be less out of Melbourne, but like it's I'm

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Speaker 4: not saying it's not worth it, like absolutely not, Like

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Speaker 4: still pay your nail text they deserve it. But at

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Speaker 4: the end of the day, like just remember when things

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Speaker 4: didn't feel as so, Yeah.

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Speaker 2: That's why I do my nails at home because.

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Speaker 4: I do my nails at home as well, and I

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Speaker 4: love it, but I do pay for my brows and lashes.

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Speaker 4: It's not something I'm willing to mess around with. We

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Speaker 4: all know i'd mess it around for real bad. Yeah,

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Speaker 4: come in with no eyebrows and you'd be like I

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Speaker 4: thought they were tattooed on.

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Speaker 2: Victoria and I did for this week.

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Speaker 4: I love that.

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Speaker 1: Beck.

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Speaker 2: Have you got some little broke tips? If so, what

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Speaker 2: are they?

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Speaker 1: I do?

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Speaker 5: Actually, just really quickly. I almost had a money lost

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Speaker 5: this week, and I just I feel that it's important

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Speaker 5: to tell in case anyone else gets one of these.

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Speaker 5: So I got an email the other day and it

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Speaker 5: was like Rebecca sired and it had my date of birth,

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Speaker 5: and it was like, how do I know this? It

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00:11:11,600 --> 00:11:13,400
Speaker 5: was very like it was scarey, but it was also

249
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Speaker 5: very like they're talking to me and they're like, we've

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Speaker 5: tapped your computer and we're going to share.

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Speaker 6: All of you.

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Speaker 2: Yeah, And I was excuse and like all.

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Speaker 5: This, all this time, you've been building your reputation. I

254
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Speaker 5: was like, I don't know what they're talking about, but

255
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Speaker 5: I was also like I'm scared about what they Also.

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Speaker 4: I have been trying to keep a clean little reputation.

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Speaker 4: I was like, I guess everyone knows, but I was like,

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Speaker 4: is there I don't know, And so you start questioning

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Speaker 4: yourself and then I was like, I was.

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Speaker 5: Like, we're nice people. Just send us two thousand dollars

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Speaker 5: and I was like, what is anyway? I d ended

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Speaker 5: up doing anything, obviously, because I was like, I guess

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Speaker 5: you know, I'm not too worried, and nothing happened, but

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Speaker 5: I guess it did. Someone out like, what are you

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Speaker 5: going to do? Say something bad about me? Have a

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Speaker 5: fun time? Yeah, you want to send photos of me

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Speaker 5: to everyone? Everyone has the ugliest photos of me that

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Speaker 5: I've ever seen.

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Speaker 2: I think you can say something to me that I

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Speaker 2: haven't said to myself.

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Speaker 4: Sit down email.

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Speaker 2: I think they assume that everyone has something they want

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Speaker 2: to hide, and they're just hoping that someone goes, oh,

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Speaker 2: like I've got photos or I've got screenshots, or I've

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Speaker 2: got something.

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Speaker 5: Or I don't want to get to share them?

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Speaker 2: Share them?

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Speaker 4: Are they photos of me?

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00:12:12,520 --> 00:12:14,280
Speaker 2: Pre baby? Yeah? Show people?

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Speaker 5: Yes, isn't me looking down on my phone with the

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Speaker 5: double chin?

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Speaker 4: Sure?

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Speaker 5: Send it welcome anyway.

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Speaker 2: In case anyone gets.

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Speaker 5: One of those, don't do anything about it, because no

286
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Speaker 5: I'm not real.

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00:12:24,080 --> 00:12:27,040
Speaker 2: No, they're not. They're just hoping that you'll be your

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Speaker 2: paddic if you're something.

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Speaker 4: I do really enjoy the scam the scammer videos that

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Speaker 4: are going around at the moment.

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Speaker 2: I love I just I love it.

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Speaker 4: And when the guy pretends to be the little old

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Speaker 4: lady and he's like, oh, yes, I got the Apple

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Speaker 4: gift card and he's like, yes, read me the numbers.

295
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Speaker 4: And then he's like, yes, I've just put it in

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Speaker 4: and I bought something with it. That's so exciting, and

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Speaker 4: the scam is like, you're.

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Speaker 2: Not meant to do.

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Speaker 4: It's just sweet revenge.

300
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Speaker 2: Oh yeah, if you're a scammer, you deserve it. Every

301
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Speaker 2: awful thing that's.

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Speaker 4: Coming up right back to broke tips back.

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Speaker 5: Yes, okay, so this first one comes from a friend

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Speaker 5: of mine and who says, if you save this all

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Speaker 5: Halloween theme just by the way, yea, if you.

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Speaker 4: Say Halloween theme, our money wins. I did look that

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Speaker 4: cut a money lot or a Neil money lost school kids.

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Speaker 5: We're doing that all day. Okay. So my friend says

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Speaker 5: that if you know, at the end of Easter, like

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Speaker 5: everything's super cheap, like all the eggs and stuff like

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Speaker 5: that if you save, you save all those and you

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00:13:27,920 --> 00:13:31,280
Speaker 5: put those really cheap. You can also like boxing day

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Speaker 5: things like that, any kind of day where chocolate is

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Speaker 5: crazy cheap. The next day or day off or whatever,

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Speaker 5: just bulk by and kids don't mind. If the chocolate's

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Speaker 5: got a little bit of that fat bloom on it,

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Speaker 5: they're gonna eat it. They don't mind.

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Speaker 2: I did.

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Speaker 4: I wouldn't eat it as a kid, So be careful

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Speaker 4: because I think that Jess would be the same. You

321
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Speaker 4: know where they get the little white that is. Yeah,

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Speaker 4: seeing the chocolate coming out, it's usually like just like cocoa.

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Speaker 2: Butter, like it's actually sounding.

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Speaker 4: It's quicker about it, like that's in chocolate, Like it's

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00:14:04,840 --> 00:14:07,079
Speaker 4: good for you. It's not bad. It just like starts

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Speaker 4: to separate over time because I.

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Speaker 2: Just thought the chocolate was going bad. I've never really

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Speaker 2: given it that much.

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00:14:12,040 --> 00:14:13,960
Speaker 4: No, so you were like over and out. You can

330
00:14:13,840 --> 00:14:18,080
Speaker 4: cout it still though, because it will remelt into your ingredients.

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00:14:18,120 --> 00:14:21,680
Speaker 4: I buy the like mini eggs, but then I regret

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Speaker 4: the mini eggs when I decide to use that chocolate

333
00:14:24,440 --> 00:14:28,040
Speaker 4: for a recipe and I have to hand unral eggs

334
00:14:28,040 --> 00:14:29,600
Speaker 4: and put them in a bowl until like you get

335
00:14:29,600 --> 00:14:31,680
Speaker 4: two hundred grams or something, and I'm like, why did

336
00:14:31,680 --> 00:14:32,280
Speaker 4: I do this?

337
00:14:32,440 --> 00:14:33,120
Speaker 2: Oh my god?

338
00:14:33,200 --> 00:14:36,600
Speaker 5: Why is they're not a TikTok hack yet for quickly

339
00:14:36,680 --> 00:14:38,960
Speaker 5: undoing all of them? Because sometimes, like you're, I am

340
00:14:39,280 --> 00:14:41,920
Speaker 5: raving this. Sometimes I'm insatiable, especially with these little eggs.

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Speaker 4: I like that it slows me down. Yeah, that's fairy,

342
00:14:44,960 --> 00:14:47,040
Speaker 4: like I need to be. I need to be held

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Speaker 4: back from the chocolates, and so individually wrapped things help

344
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Speaker 4: because you best believe if I buy a whole block

345
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Speaker 4: of chocolate.

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Speaker 2: She's gone, gone, She's gone.

347
00:14:55,560 --> 00:14:58,280
Speaker 4: Like I opened it. It's one serving, one package goals

348
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Speaker 4: one serving.

349
00:14:59,040 --> 00:15:01,080
Speaker 5: No, I agree with that. I agree with that. This

350
00:15:01,120 --> 00:15:03,440
Speaker 5: ex one comes from alex. This one is silly and

351
00:15:03,720 --> 00:15:06,000
Speaker 5: really funny and just like maybe no one will use it.

352
00:15:06,040 --> 00:15:08,800
Speaker 5: If you put a an empty bowl of just an

353
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Speaker 5: empty bottle out and you put like a little sign

354
00:15:10,840 --> 00:15:13,800
Speaker 5: saying just take one, then it will look like if

355
00:15:14,120 --> 00:15:16,560
Speaker 5: you've been pillaged already and you don't have to do anything.

356
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Speaker 2: Treated get but you don't want your house to beg

357
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Speaker 2: Yeah exactly.

358
00:15:25,640 --> 00:15:27,920
Speaker 4: Yeah, people still egg houses.

359
00:15:28,400 --> 00:15:31,400
Speaker 2: I'm sure they would. Surely someone cut it off on

360
00:15:31,480 --> 00:15:33,600
Speaker 2: the and they honked it as really loud at like

361
00:15:33,720 --> 00:15:35,880
Speaker 2: driving home the other day, and my boyfriend was like,

362
00:15:36,080 --> 00:15:39,240
Speaker 2: on Halloween, we're going to find if we can. We're not,

363
00:15:39,440 --> 00:15:40,200
Speaker 2: We're not, but he.

364
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Speaker 4: Was like, yeah, I mean I don't want to waste eggs,

365
00:15:43,960 --> 00:15:46,120
Speaker 4: but can we keep eggs in our cars and just

366
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Speaker 4: egg people who cut us offween?

367
00:15:50,440 --> 00:15:51,680
Speaker 5: Yeah, that's so fine.

368
00:15:51,680 --> 00:15:53,760
Speaker 2: I think treat hard to treat ha ha.

369
00:15:53,840 --> 00:15:54,840
Speaker 4: It's not even a treat.

370
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Speaker 5: It is such an annoying prank though, isn't it.

371
00:15:57,280 --> 00:15:57,520
Speaker 2: Yeah.

372
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Speaker 4: I remember our house way back when I was probably

373
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Speaker 4: like eight or nine got egged. I don't know if

374
00:16:03,080 --> 00:16:06,720
Speaker 4: it was on Halloween Halloween or not, maybe animals, but

375
00:16:06,800 --> 00:16:09,080
Speaker 4: like our household got egged, and my mom was off

376
00:16:09,120 --> 00:16:11,760
Speaker 4: it because it was summer. Oh yeah, yeah. She was

377
00:16:11,880 --> 00:16:16,000
Speaker 4: not happy even gross, And I was like, ew did

378
00:16:16,000 --> 00:16:16,400
Speaker 4: they cook?

379
00:16:17,240 --> 00:16:19,080
Speaker 2: Like they just they didn't cook.

380
00:16:19,160 --> 00:16:22,720
Speaker 4: They just went hard like they like they like had

381
00:16:22,800 --> 00:16:25,280
Speaker 4: kind of dried onto the walls and stuff, and we

382
00:16:25,360 --> 00:16:26,560
Speaker 4: had like a brick house.

383
00:16:27,080 --> 00:16:29,120
Speaker 2: It was kind of like, yeah, the brick.

384
00:16:29,320 --> 00:16:33,840
Speaker 4: Yeah. I just remember mum being like a fair enough Yeah,

385
00:16:33,880 --> 00:16:36,880
Speaker 4: I agree with her. I would be pretty pretty.

386
00:16:37,160 --> 00:16:38,560
Speaker 2: I see yous preferably.

387
00:16:38,880 --> 00:16:41,720
Speaker 4: But also I don't understand the like I understand the

388
00:16:41,720 --> 00:16:45,720
Speaker 4: concept of trick or treating right, really cute, but like

389
00:16:46,640 --> 00:16:50,160
Speaker 4: now I'm a mum. I'm like, am I gonna tell

390
00:16:50,280 --> 00:16:54,000
Speaker 4: Harvey about strange danger? Yeah? Twenty four to seven, like

391
00:16:54,040 --> 00:16:56,320
Speaker 4: three hundred and sixty four days of the year. I'm like,

392
00:16:56,360 --> 00:16:59,080
Speaker 4: stranger's gotta be careful of them one day of the year.

393
00:16:59,120 --> 00:17:01,120
Speaker 4: I'm like, so to do is go and knock on

394
00:17:01,160 --> 00:17:04,000
Speaker 4: strangers doors while you're dressed up and take whatever candy

395
00:17:04,080 --> 00:17:06,560
Speaker 4: they give you and be grateful for it.

396
00:17:07,119 --> 00:17:07,320
Speaker 1: Yeah.

397
00:17:07,600 --> 00:17:10,119
Speaker 5: True with little kids.

398
00:17:10,119 --> 00:17:12,720
Speaker 4: So I feel like, wait, I don't know how this works,

399
00:17:12,960 --> 00:17:15,919
Speaker 4: but my son will not be doing trick or treating

400
00:17:15,960 --> 00:17:16,600
Speaker 4: by himself.

401
00:17:16,880 --> 00:17:19,720
Speaker 2: I mean I have to do. Yes, I.

402
00:17:23,359 --> 00:17:25,840
Speaker 4: Have a job for you. You live in a really

403
00:17:25,920 --> 00:17:28,439
Speaker 4: nice estate. I'm going to drop my kid over to

404
00:17:28,480 --> 00:17:31,679
Speaker 4: you on Halloween and be like, looks like a you problem.

405
00:17:32,520 --> 00:17:34,480
Speaker 2: It's really good. Our state's quite good because they do

406
00:17:34,560 --> 00:17:37,280
Speaker 2: a map every year. So if you if you're going

407
00:17:37,359 --> 00:17:39,679
Speaker 2: to have candy, so so people who don't want to

408
00:17:39,680 --> 00:17:41,840
Speaker 2: participate don't get knocked on their door all night. So

409
00:17:41,840 --> 00:17:43,880
Speaker 2: if you're going to have stuff for kids, you put

410
00:17:43,880 --> 00:17:45,760
Speaker 2: your name and your address goes on a map, and

411
00:17:45,800 --> 00:17:47,600
Speaker 2: so then they have a map of the estate where

412
00:17:47,640 --> 00:17:49,679
Speaker 2: to go. And usually they'll say, oh, like if you're like,

413
00:17:49,720 --> 00:17:51,320
Speaker 2: if you want that, it's kind of cute and.

414
00:17:51,200 --> 00:17:53,800
Speaker 4: That feels right, That feels a lot safer, and like,

415
00:17:53,960 --> 00:17:56,359
Speaker 4: genuinely you living in a state makes me feel a

416
00:17:56,359 --> 00:17:59,080
Speaker 4: lot safe. It's very community. I live on a main road.

417
00:17:59,440 --> 00:18:01,000
Speaker 2: Like, not feeling great about that.

418
00:18:01,960 --> 00:18:03,280
Speaker 5: Perfect utopia.

419
00:18:05,160 --> 00:18:06,920
Speaker 4: Does it's basically gated.

420
00:18:08,840 --> 00:18:11,320
Speaker 5: Broke tip back, Okay, my one is I went through

421
00:18:11,320 --> 00:18:13,960
Speaker 5: and I compared all the prices of like lollies and

422
00:18:13,960 --> 00:18:16,639
Speaker 5: stuff like that. So just like a generic one, I'm

423
00:18:16,640 --> 00:18:18,960
Speaker 5: going to use the freddo the twelve pack of frettos

424
00:18:18,960 --> 00:18:23,920
Speaker 5: for any for example, so in Coals and woolwords six dollars,

425
00:18:24,480 --> 00:18:31,439
Speaker 5: reject Shop and Alga five dollars. NQR roughly like two dollars.

426
00:18:31,440 --> 00:18:35,520
Speaker 4: Obviously QR is iconic, but also who cares if it's

427
00:18:35,560 --> 00:18:36,320
Speaker 4: running out soon?

428
00:18:38,520 --> 00:18:39,520
Speaker 2: Exactly exactly.

429
00:18:39,720 --> 00:18:41,640
Speaker 5: NQR is so good. I'm assuming there'd be something at.

430
00:18:41,600 --> 00:18:43,840
Speaker 2: Cheap about heaps of them.

431
00:18:44,080 --> 00:18:46,639
Speaker 5: There would be some equivalents for other states, but just

432
00:18:46,680 --> 00:18:48,360
Speaker 5: have a little look. See I'm not sure if there's

433
00:18:48,359 --> 00:18:51,400
Speaker 5: an QR everywhere, but I'm sure you'll find something equivalent,

434
00:18:51,680 --> 00:18:55,239
Speaker 5: but yeah, so I recommend all your Holloween shopping go

435
00:18:55,280 --> 00:18:58,560
Speaker 5: to NQR. And even if they're like lollies no one's

436
00:18:58,600 --> 00:19:01,679
Speaker 5: ever heard of before, some kids love just like stuff

437
00:19:01,920 --> 00:19:03,880
Speaker 5: just their mind, just chuck it in there.

438
00:19:04,280 --> 00:19:06,320
Speaker 2: I feel like lollipops are really good too, because they're

439
00:19:06,359 --> 00:19:09,480
Speaker 2: often come in packs of like fifty sheep wrap and

440
00:19:09,520 --> 00:19:11,840
Speaker 2: they individually wrapped as well. So I feel like stuff

441
00:19:11,880 --> 00:19:13,360
Speaker 2: like that is good.

442
00:19:13,960 --> 00:19:16,879
Speaker 4: I haven't done anything. I feel bad, but I'm going

443
00:19:16,960 --> 00:19:20,640
Speaker 4: to get egged good. But I feel like even going

444
00:19:20,680 --> 00:19:23,439
Speaker 4: to Kmart and getting the party packs, you know how

445
00:19:23,480 --> 00:19:27,760
Speaker 4: they come in like individually wrapped candy, bracelets and stuff.

446
00:19:27,920 --> 00:19:29,520
Speaker 4: If I was a kid, that's what I want. Yeah,

447
00:19:29,840 --> 00:19:31,840
Speaker 4: on a candy watch something fun.

448
00:19:32,400 --> 00:19:35,720
Speaker 2: Yeah, and then all the Halloween candy goes on sale

449
00:19:35,800 --> 00:19:39,000
Speaker 2: the day after Halloween, Like he's yes, and you say.

450
00:19:38,800 --> 00:19:40,520
Speaker 5: That stopped you?

451
00:19:40,560 --> 00:19:42,679
Speaker 2: What do you got your eye on to purchase this season?

452
00:19:42,880 --> 00:19:46,280
Speaker 2: Just you know the trolley like they do the oh yeah,

453
00:19:46,480 --> 00:19:49,040
Speaker 2: they have like a Halloween like mixed pack, And I

454
00:19:49,160 --> 00:19:50,760
Speaker 2: like them because they're individually wrapped and they're good to

455
00:19:50,800 --> 00:19:53,120
Speaker 2: just like keep in your purse for an afternoon gummy web.

456
00:19:54,640 --> 00:19:57,080
Speaker 2: That's very dope, that's very justic.

457
00:19:57,800 --> 00:20:00,359
Speaker 4: I feel like, in the most non offense, if we

458
00:20:00,680 --> 00:20:05,000
Speaker 4: ever just belongs in Utah, like in the nicest way possible,

459
00:20:05,080 --> 00:20:08,720
Speaker 4: like super wholesome, always has good hair, like wants to

460
00:20:08,800 --> 00:20:12,240
Speaker 4: drink a lot of diet. Coke also wants to celebrate

461
00:20:12,400 --> 00:20:15,560
Speaker 4: all of the holidays with a theme and has like

462
00:20:15,560 --> 00:20:18,560
Speaker 4: a mega mansion that she like dresses up. Yeah, Bubbie

463
00:20:18,600 --> 00:20:21,320
Speaker 4: dreamhouse vipes. Oh, I wish I had a porch to decorate.

464
00:20:21,320 --> 00:20:22,640
Speaker 4: It'd be so porch. See.

465
00:20:22,680 --> 00:20:27,920
Speaker 7: She even talks about, No, I'm so happy you guys

466
00:20:27,920 --> 00:20:29,960
Speaker 7: supported me this year and finally dressed up for the show.

467
00:20:30,040 --> 00:20:32,879
Speaker 7: I'm just wearing a tiara, but we forgot if you

468
00:20:32,920 --> 00:20:35,800
Speaker 7: were better organized, Beck, what would you have dressed up as?

469
00:20:36,240 --> 00:20:38,000
Speaker 5: I was meant to be? Ellen Degeneroes.

470
00:20:38,359 --> 00:20:39,520
Speaker 2: I really like that.

471
00:20:40,680 --> 00:20:41,680
Speaker 4: I really like that.

472
00:20:42,080 --> 00:20:42,320
Speaker 2: Sad.

473
00:20:43,520 --> 00:20:47,000
Speaker 5: I know I'll try and do it sometime this week.

474
00:20:47,080 --> 00:20:48,240
Speaker 2: Yeah, I like her, all right?

475
00:20:48,280 --> 00:20:50,400
Speaker 4: And Jess, what were you going to dress up as?

476
00:20:50,480 --> 00:20:52,840
Speaker 4: Had we actually said yeah, of course we're in we

477
00:20:52,920 --> 00:20:54,000
Speaker 4: definitely were prepared.

478
00:20:54,680 --> 00:20:57,040
Speaker 2: I would have done the classic Britney Spears baby one

479
00:20:57,040 --> 00:20:58,879
Speaker 2: more time because I feel like it's simple enough of

480
00:20:58,920 --> 00:21:02,080
Speaker 2: an outfit that I wouldn't feel crazy walking into the building.

481
00:21:02,720 --> 00:21:06,360
Speaker 2: I'm KHATI the fluffy little you know tabs.

482
00:21:06,640 --> 00:21:10,280
Speaker 4: Yeah, oh no, So I would have recycled my Barbie

483
00:21:10,280 --> 00:21:11,639
Speaker 4: fairy Topia costume.

484
00:21:13,200 --> 00:21:15,280
Speaker 2: Does need another excuse to get out, it does?

485
00:21:15,560 --> 00:21:17,639
Speaker 4: I would have recycled that. I think it's got a

486
00:21:17,680 --> 00:21:21,479
Speaker 4: two to a little like sparkly top. I've got fairy wings,

487
00:21:21,520 --> 00:21:24,879
Speaker 4: there's a tr like. It's just a lot. Unfortunately I

488
00:21:24,880 --> 00:21:28,280
Speaker 4: got rid of the blonde wig, so would have had

489
00:21:28,280 --> 00:21:31,359
Speaker 4: to buy another one. But you know, you get what

490
00:21:31,400 --> 00:21:33,919
Speaker 4: you get. But I bought all of the jewelry for

491
00:21:34,000 --> 00:21:37,320
Speaker 4: that too, like the Barbie fairy Topia necklace, the Barbie

492
00:21:37,320 --> 00:21:41,679
Speaker 4: fairy Topia like bracelet. I also had the fairy Oki

493
00:21:41,840 --> 00:21:45,119
Speaker 4: karaoke wings that yes, of course if you'd like to

494
00:21:45,119 --> 00:21:47,760
Speaker 4: borrow them, no worries. They actually it's like a backpack

495
00:21:47,800 --> 00:21:50,479
Speaker 4: that you put on and it's plastic fairy wings.

496
00:21:50,480 --> 00:21:51,879
Speaker 2: Did you see them? You would have? You were on

497
00:21:51,920 --> 00:21:52,960
Speaker 2: my birthday picturing?

498
00:21:53,240 --> 00:21:57,400
Speaker 4: Yeah, so, like everyone had had a few beveraginos except

499
00:21:57,400 --> 00:21:59,560
Speaker 4: for me because I had found out the day before

500
00:22:00,040 --> 00:22:02,679
Speaker 4: thirtieth birthday that we had that I was pregnant, so

501
00:22:02,760 --> 00:22:06,359
Speaker 4: I was drinking fake champagne all night, duping you guys.

502
00:22:07,080 --> 00:22:10,240
Speaker 4: And yeah, it has like an attached wand which is

503
00:22:10,280 --> 00:22:14,000
Speaker 4: actually the microphone and pre like the backpack the middle

504
00:22:14,080 --> 00:22:15,640
Speaker 4: of the fairy wings speaker.

505
00:22:15,960 --> 00:22:19,280
Speaker 5: Oh my gosh, why did I know that?

506
00:22:19,280 --> 00:22:19,640
Speaker 2: That's cool?

507
00:22:19,680 --> 00:22:21,359
Speaker 4: What do you mean you did know that? I was

508
00:22:21,440 --> 00:22:24,560
Speaker 4: dancing and singing all night? This is before morning sickness

509
00:22:24,560 --> 00:22:27,159
Speaker 4: took hold. Right, of course, it was fantastic. Let's go

510
00:22:27,320 --> 00:22:29,760
Speaker 4: to a really quick break on the flip side. We're

511
00:22:29,760 --> 00:22:31,400
Speaker 4: going to talk about what to do when you find

512
00:22:31,400 --> 00:22:33,479
Speaker 4: out that your colleague is doing the same job as

513
00:22:33,480 --> 00:22:35,960
Speaker 4: you but getting paid way more, and something that you

514
00:22:36,119 --> 00:22:38,639
Speaker 4: lead into our dms about we're chatting about whether you

515
00:22:38,680 --> 00:22:41,400
Speaker 4: should ask your partner to stop going to the bank

516
00:22:41,440 --> 00:22:48,720
Speaker 4: of Mom and dad. Don't go anywhere, guys.

517
00:22:51,080 --> 00:22:53,520
Speaker 2: Welcome back, everybody. Let's take a listen to this week's

518
00:22:53,560 --> 00:22:56,159
Speaker 2: money dilemma.

519
00:22:56,440 --> 00:22:58,800
Speaker 4: Hi, there, have you got a money dilemma you just

520
00:22:58,840 --> 00:23:01,800
Speaker 4: can't solve. He's on the Money Team is here to help.

521
00:23:02,160 --> 00:23:05,159
Speaker 4: Every week we tackle your dilemmas, both big and small,

522
00:23:05,200 --> 00:23:08,359
Speaker 4: to answer your most burning money, career and life questions.

523
00:23:08,520 --> 00:23:11,000
Speaker 4: To get involved, simply head to our website and leave

524
00:23:11,080 --> 00:23:13,200
Speaker 4: us a short voice recording and you might just find

525
00:23:13,200 --> 00:23:15,920
Speaker 4: yourself on the show. Now, let's take a listen to

526
00:23:15,960 --> 00:23:19,240
Speaker 4: this week's money dilemma.

527
00:23:19,480 --> 00:23:22,639
Speaker 8: Hi, she's on the money. Love love, love your work.

528
00:23:23,000 --> 00:23:26,119
Speaker 8: I have a question here and would really like your advice.

529
00:23:26,800 --> 00:23:30,880
Speaker 8: Our company hire a temporary support staff from our head

530
00:23:30,920 --> 00:23:36,360
Speaker 8: office from Europe. After a few months, she decided want

531
00:23:36,400 --> 00:23:41,280
Speaker 8: to stay in Australia, so the company sponsor her for

532
00:23:41,400 --> 00:23:44,800
Speaker 8: our work visa to work in Australia. So she works

533
00:23:44,840 --> 00:23:48,199
Speaker 8: in a very similar role as what I do, like

534
00:23:48,280 --> 00:23:53,680
Speaker 8: a project coordinator, project administrators sort of role, do not

535
00:23:53,840 --> 00:23:58,360
Speaker 8: really need special skills at all. Lately, I find out

536
00:23:58,359 --> 00:24:02,879
Speaker 8: that she's actually getting pay more than double of what

537
00:24:02,960 --> 00:24:05,240
Speaker 8: I'm getting paid at the moment, and her work low

538
00:24:05,400 --> 00:24:09,320
Speaker 8: is probably only sixty percent of what I'm doing. I

539
00:24:09,359 --> 00:24:14,520
Speaker 8: feel really frustrated about this. I want to know, is

540
00:24:14,560 --> 00:24:19,320
Speaker 8: this even lego in so many different level Should I

541
00:24:19,359 --> 00:24:25,960
Speaker 8: confront my boss about the big pay gap difference or

542
00:24:26,000 --> 00:24:29,439
Speaker 8: should I be looking for another job? Thank you? In

543
00:24:29,480 --> 00:24:30,000
Speaker 8: that month?

544
00:24:30,160 --> 00:24:33,920
Speaker 2: Oh my god. When she said, oh, she's.

545
00:24:33,760 --> 00:24:37,440
Speaker 4: Being paid more, I was like, oh, I don't know.

546
00:24:37,520 --> 00:24:38,400
Speaker 2: Yeah, we've all been there.

547
00:24:38,440 --> 00:24:40,840
Speaker 4: But also like I don't know the context, like, you know,

548
00:24:40,920 --> 00:24:43,359
Speaker 4: has she come from overseas with a lot more experience?

549
00:24:43,400 --> 00:24:45,280
Speaker 4: Like yeah, And I'm not trying to justify it because

550
00:24:45,320 --> 00:24:47,760
Speaker 4: that sucks, but I'm assuming life. Like then she gave

551
00:24:47,840 --> 00:24:52,120
Speaker 4: us the context and I was like, sorry, girl, what double?

552
00:24:52,200 --> 00:24:54,400
Speaker 4: And she's doing less work?

553
00:24:55,280 --> 00:24:58,399
Speaker 5: That is so criminal? I think it is criminal.

554
00:24:58,400 --> 00:25:01,200
Speaker 4: I don't know. Yeah it is, but it isn't like

555
00:25:01,240 --> 00:25:04,680
Speaker 4: it depends on like their award rates. It depends on

556
00:25:04,800 --> 00:25:06,760
Speaker 4: like the legalities of the industry.

557
00:25:07,240 --> 00:25:08,080
Speaker 2: Is it acceptable?

558
00:25:08,240 --> 00:25:10,679
Speaker 4: No? And that's what we're going to talk about, right, Yes,

559
00:25:10,720 --> 00:25:13,280
Speaker 4: So I want to know what would you guys do,

560
00:25:13,960 --> 00:25:16,920
Speaker 4: Beck if you came to work and found out new

561
00:25:16,960 --> 00:25:19,639
Speaker 4: person at work was being paid double what you're doing

562
00:25:20,000 --> 00:25:20,720
Speaker 4: less work?

563
00:25:21,280 --> 00:25:23,200
Speaker 2: Okay, what would you do?

564
00:25:23,440 --> 00:25:27,080
Speaker 5: This actually happened recently, but not with me, with someone

565
00:25:27,359 --> 00:25:31,160
Speaker 5: someone then you name them Sharon, named them Sharon, yep,

566
00:25:31,240 --> 00:25:34,000
Speaker 5: and then the other person was named Kim for example.

567
00:25:34,040 --> 00:25:34,640
Speaker 4: Okay. Great.

568
00:25:35,080 --> 00:25:36,320
Speaker 5: First of all, I just want to say I'm so

569
00:25:36,440 --> 00:25:39,960
Speaker 5: glad that pacey gritsy is no longer a thing anyway.

570
00:25:39,760 --> 00:25:43,359
Speaker 4: But to also just caveat that, you need to be

571
00:25:43,400 --> 00:25:46,239
Speaker 4: really careful because while it was abolished, if it is

572
00:25:46,280 --> 00:25:51,320
Speaker 4: still in your employment contract. While not legal, your workplace

573
00:25:51,520 --> 00:25:55,679
Speaker 4: might have some type of ramifications for talking about it.

574
00:25:55,800 --> 00:25:58,280
Speaker 4: If you signed a contract that has that in it,

575
00:25:58,440 --> 00:26:01,959
Speaker 4: it would be Yeah, that pre dates when pace Chrissy

576
00:26:02,119 --> 00:26:05,119
Speaker 4: was not allowed to be included in your contracts. So

577
00:26:05,240 --> 00:26:08,560
Speaker 4: now I want to talk about pay, and I really

578
00:26:08,560 --> 00:26:11,160
Speaker 4: want to be completely transparent about it, like you guys

579
00:26:11,160 --> 00:26:13,560
Speaker 4: know me well enough by now, But I also don't

580
00:26:13,600 --> 00:26:15,680
Speaker 4: want you to get any trouble. Yeah, so I want

581
00:26:15,680 --> 00:26:17,800
Speaker 4: to make sure that you're protected, so know that. But

582
00:26:17,880 --> 00:26:21,600
Speaker 4: also maybe next you know, salary review or like job reviewed,

583
00:26:21,640 --> 00:26:24,160
Speaker 4: be like you need to remove that. Yeah anyway, sorry

584
00:26:24,200 --> 00:26:25,879
Speaker 4: back to you, bet, because I didn't want anyone to

585
00:26:25,920 --> 00:26:28,120
Speaker 4: be like, oh, yeah, we can just talk about it.

586
00:26:28,240 --> 00:26:31,240
Speaker 5: Sure, that's great. Sorry great, No, no, no, no, but

587
00:26:31,400 --> 00:26:35,720
Speaker 5: basically sh Sharon Sharon told Kim that Kim, well, actually,

588
00:26:35,800 --> 00:26:38,120
Speaker 5: Kim asked Sharon how much everyone was getting paid because

589
00:26:38,160 --> 00:26:41,280
Speaker 5: they're doing all the exactly literally exact same role. Yeah,

590
00:26:41,320 --> 00:26:44,479
Speaker 5: it's the exactly role, the exact same title. And Sharon

591
00:26:44,520 --> 00:26:47,760
Speaker 5: told Kim this, how much we get paid? Kim realized

592
00:26:47,760 --> 00:26:53,000
Speaker 5: she's getting paid twelve k less wow for no absolutely

593
00:26:53,080 --> 00:26:56,239
Speaker 5: no reason. Anyway, when the boss has found out that

594
00:26:56,359 --> 00:26:58,800
Speaker 5: Kim knew. Blah blah blah. They went to Sharon. They

595
00:26:58,800 --> 00:27:02,600
Speaker 5: were like, you shouldn't be They're trying to intimidate share it,

596
00:27:02,880 --> 00:27:06,320
Speaker 5: to intimidate that disgusting, despicable. I hate it.

597
00:27:06,320 --> 00:27:11,760
Speaker 4: In if yeh y yes about it, I'll give you

598
00:27:11,800 --> 00:27:13,840
Speaker 4: a boss a call and be like, hey, so beg.

599
00:27:13,960 --> 00:27:17,040
Speaker 4: I just was wondering, were you doing this or now?

600
00:27:17,359 --> 00:27:21,359
Speaker 5: Yeah, And luckily Sharon stuck up for herself and she

601
00:27:21,520 --> 00:27:25,359
Speaker 5: was like, basically, I just think that if you don't

602
00:27:25,359 --> 00:27:27,400
Speaker 5: have in your contract you are allowed to be talking

603
00:27:27,400 --> 00:27:30,440
Speaker 5: about it, then you can shout it from the rooftops.

604
00:27:30,480 --> 00:27:32,640
Speaker 5: Because there are people out there who have maybe been

605
00:27:32,680 --> 00:27:35,040
Speaker 5: loyal to a company for so long, absolutely not in

606
00:27:35,080 --> 00:27:36,960
Speaker 5: so many different situations and things like that, and they're

607
00:27:36,960 --> 00:27:38,800
Speaker 5: getting paid less than everyone else. They don't know about it.

608
00:27:38,920 --> 00:27:40,680
Speaker 5: Everyone needs no pay secrecy.

609
00:27:41,200 --> 00:27:43,879
Speaker 4: I don't like it, but hate secrecy only benefits the

610
00:27:43,920 --> 00:27:46,920
Speaker 4: employer exactly, It doesn't benefit anybody.

611
00:27:47,080 --> 00:27:52,000
Speaker 5: I completely agree. But to answer our listener's question, should

612
00:27:52,040 --> 00:27:54,920
Speaker 5: you confront or look for your job? I say both.

613
00:27:54,960 --> 00:28:00,040
Speaker 5: You should definitely you should definitely be confronting and definitely bex.

614
00:28:00,040 --> 00:28:02,400
Speaker 2: Start a riot angry.

615
00:28:03,280 --> 00:28:07,000
Speaker 4: We're not having it. How would you go about that?

616
00:28:07,040 --> 00:28:10,440
Speaker 5: Though, I'll be like, well, actually maybe you would find

617
00:28:10,440 --> 00:28:12,480
Speaker 5: a job VERSU secure job. And then when they're like, hey,

618
00:28:12,520 --> 00:28:13,200
Speaker 5: oh you're leaving.

619
00:28:13,200 --> 00:28:13,879
Speaker 2: Why you're leaving?

620
00:28:14,119 --> 00:28:19,159
Speaker 5: Like, because you guys are so sneaky, everyone knows.

621
00:28:19,320 --> 00:28:20,879
Speaker 2: And I'm going to put this on glass door. I

622
00:28:20,880 --> 00:28:22,439
Speaker 2: was going to say, I just gonna say, put it

623
00:28:22,480 --> 00:28:25,800
Speaker 2: on glass door, put it somewhere like, jess, what would

624
00:28:25,840 --> 00:28:29,080
Speaker 2: you do? The one thing I will say is that

625
00:28:29,640 --> 00:28:32,400
Speaker 2: with the workload thing, I think sometimes you can look

626
00:28:32,600 --> 00:28:35,119
Speaker 2: at a coworker and it's easier, Oh, they seem like

627
00:28:35,160 --> 00:28:37,280
Speaker 2: they do nothing. But unless you're.

628
00:28:37,119 --> 00:28:39,640
Speaker 4: Everyone looks at me that way, they're not wrong. But

629
00:28:39,720 --> 00:28:42,240
Speaker 4: everybody does look at me that way. Yes, but unless

630
00:28:42,280 --> 00:28:45,080
Speaker 4: you're like sitting like cyber do you know what I mean? Like,

631
00:28:45,120 --> 00:28:46,800
Speaker 4: I think that it's easy to go, oh, it seems

632
00:28:46,840 --> 00:28:49,960
Speaker 4: like they're doing half my workload, but you don't necessarily know,

633
00:28:50,080 --> 00:28:52,480
Speaker 4: So I don't know that I hard to quantify completely,

634
00:28:52,520 --> 00:28:54,360
Speaker 4: So I don't know that I would build that into

635
00:28:54,440 --> 00:28:57,400
Speaker 4: my argument because I think that sometimes jobs that seem

636
00:28:57,480 --> 00:29:00,760
Speaker 4: like they're not taxing actually have like an overwhlming amount

637
00:29:00,760 --> 00:29:03,160
Speaker 4: of just like tedious things or whatever that you might

638
00:29:03,200 --> 00:29:05,360
Speaker 4: not know that they're dealing with. So I wouldn't build

639
00:29:05,360 --> 00:29:07,400
Speaker 4: that into your argument just because it might be easy

640
00:29:07,480 --> 00:29:10,440
Speaker 4: for them to refute that and say, oh, actually they're

641
00:29:10,480 --> 00:29:13,440
Speaker 4: doing X, Y L, and you go, oh crap, Like

642
00:29:13,680 --> 00:29:17,480
Speaker 4: now I don't stand on completely, but if you're doing

643
00:29:17,520 --> 00:29:21,000
Speaker 4: similar roles, the pay should absolutely be similar. There's really

644
00:29:21,000 --> 00:29:25,520
Speaker 4: no good reason, as you said, outside of maybe historical

645
00:29:25,560 --> 00:29:28,200
Speaker 4: experience or seniority. But even then you kind of go,

646
00:29:28,240 --> 00:29:30,200
Speaker 4: if we're doing the same thing, like, how much does

647
00:29:30,200 --> 00:29:33,920
Speaker 4: that really factor in? I think that I would it

648
00:29:33,960 --> 00:29:36,280
Speaker 4: depends how much you like your job. Really like, if

649
00:29:36,280 --> 00:29:38,080
Speaker 4: you like your job, if you like what you're doing,

650
00:29:38,160 --> 00:29:40,680
Speaker 4: you like your colleagues, then it is worth I think

651
00:29:40,720 --> 00:29:43,400
Speaker 4: having the conversation before looking elsewhere and saying, hey, like,

652
00:29:43,440 --> 00:29:46,280
Speaker 4: I've been made aware of this disparity, can you please

653
00:29:46,520 --> 00:29:49,480
Speaker 4: do it to me why that exists? I think giving

654
00:29:49,520 --> 00:29:53,960
Speaker 4: them an opportunity to say, you know, this person maybe

655
00:29:54,000 --> 00:29:56,200
Speaker 4: is managing some of the team back in Europe remotely,

656
00:29:56,480 --> 00:30:00,400
Speaker 4: or this person has ten years more experience than you,

657
00:30:00,520 --> 00:30:03,320
Speaker 4: or whatever the case may be. And if there's nothing,

658
00:30:03,400 --> 00:30:05,440
Speaker 4: if there's no good reason, which it feels like maybe

659
00:30:05,480 --> 00:30:07,280
Speaker 4: there's a good chance that's the case. You're going to

660
00:30:07,320 --> 00:30:09,360
Speaker 4: catch them out and they're going to be like, ah,

661
00:30:09,640 --> 00:30:12,800
Speaker 4: they are, and you're gonna be like, gotcha, and then

662
00:30:13,080 --> 00:30:15,360
Speaker 4: you can kind of, I think, launch into the negotiation

663
00:30:15,480 --> 00:30:17,560
Speaker 4: and be like, this is really unreasonable. If you can't

664
00:30:17,560 --> 00:30:19,600
Speaker 4: give me a reason as to why you're being paid more,

665
00:30:20,080 --> 00:30:22,880
Speaker 4: I don't see any reason that you should not be

666
00:30:23,240 --> 00:30:27,120
Speaker 4: matching ching salary to this. See what they say, hopefully, Oh,

667
00:30:27,440 --> 00:30:29,560
Speaker 4: we're so sorry. You're totally right, We'll sort that out.

668
00:30:29,880 --> 00:30:32,320
Speaker 4: If they don't, that's when I would personally start looking

669
00:30:32,320 --> 00:30:35,000
Speaker 4: front the job, especially if it's like for like like

670
00:30:35,960 --> 00:30:39,440
Speaker 4: I get so frustrated. I also feel like I don't

671
00:30:39,520 --> 00:30:43,120
Speaker 4: like being super confrontational in these situations because it doesn't

672
00:30:43,160 --> 00:30:46,400
Speaker 4: help you. Like marching into your boss's office and being like,

673
00:30:46,440 --> 00:30:49,440
Speaker 4: what are you doing? Is not a great idea. I

674
00:30:49,440 --> 00:30:51,320
Speaker 4: would actually step back for a hot second, and I'd

675
00:30:51,320 --> 00:30:53,600
Speaker 4: be like, Okay, how long have I been with this organization?

676
00:30:53,680 --> 00:30:56,320
Speaker 4: Let's go back to basics. Let's look at my employment contract.

677
00:30:56,600 --> 00:31:00,200
Speaker 4: Am I fulfilling everything in that contract? Fantastic? What am

678
00:31:00,240 --> 00:31:02,760
Speaker 4: I doing above and beyond that? Because we all know

679
00:31:02,800 --> 00:31:04,560
Speaker 4: if we've been with a company for a couple of years.

680
00:31:04,680 --> 00:31:07,200
Speaker 4: We might be adding a few things here and there,

681
00:31:07,320 --> 00:31:10,200
Speaker 4: or like we might have lost a few responsibilities and

682
00:31:10,280 --> 00:31:13,840
Speaker 4: had them replaced with something else. We want to understand

683
00:31:14,040 --> 00:31:17,720
Speaker 4: whether the job title you have today is still reflective

684
00:31:17,880 --> 00:31:20,320
Speaker 4: of the role that you perform, because it is a

685
00:31:20,320 --> 00:31:24,200
Speaker 4: lot more persuasive to have an argument that's not only

686
00:31:24,240 --> 00:31:26,520
Speaker 4: should I get paid more, but also I have been

687
00:31:26,520 --> 00:31:30,560
Speaker 4: thinking I need a role title upgrade and a salary upgrade.

688
00:31:30,640 --> 00:31:34,120
Speaker 4: What are we talking about. I would, then, from my perspective,

689
00:31:34,200 --> 00:31:36,720
Speaker 4: schedule a meeting with your manager and say, hey, I'd

690
00:31:36,800 --> 00:31:39,640
Speaker 4: really like to schedule a meeting to discuss my salary.

691
00:31:39,960 --> 00:31:43,120
Speaker 4: Give them enough notice and say I would love to

692
00:31:43,360 --> 00:31:45,480
Speaker 4: sit down with you at lunchtime on Friday, or a

693
00:31:45,520 --> 00:31:48,560
Speaker 4: two pm on Friday. Actually, definitely a two pm on Friday,

694
00:31:48,600 --> 00:31:50,920
Speaker 4: because we don't need to do salary negotiations in our

695
00:31:51,000 --> 00:31:54,320
Speaker 4: lunch break. That is a work conversation. So we're going

696
00:31:54,360 --> 00:31:58,320
Speaker 4: to have our Friday conversation, and then the day before

697
00:31:58,560 --> 00:32:00,560
Speaker 4: or the morning of, you're going to send a really

698
00:32:00,640 --> 00:32:03,360
Speaker 4: nice email to your manager, and that email is going

699
00:32:03,400 --> 00:32:05,440
Speaker 4: to outline everything that you want to talk to them

700
00:32:05,480 --> 00:32:09,400
Speaker 4: about in a really clear, concise way, and you're going

701
00:32:09,480 --> 00:32:11,960
Speaker 4: to deliver it in the nicest possible way, so you're

702
00:32:11,960 --> 00:32:13,960
Speaker 4: going to say, Hi, Beck I just wanted to send

703
00:32:13,960 --> 00:32:17,280
Speaker 4: you an email ahead of our meeting because, as you know,

704
00:32:17,440 --> 00:32:19,320
Speaker 4: I would like to discuss my pay, but I want

705
00:32:19,360 --> 00:32:22,000
Speaker 4: to make sure before this meeting to make sure it's.

706
00:32:21,880 --> 00:32:23,480
Speaker 2: As productive as possible.

707
00:32:23,760 --> 00:32:26,480
Speaker 4: We're on the same page. I would like to let

708
00:32:26,480 --> 00:32:28,600
Speaker 4: you know that I have done some research, so we're

709
00:32:28,600 --> 00:32:30,920
Speaker 4: going to do external research as well. I've looked at

710
00:32:30,960 --> 00:32:32,400
Speaker 4: the Hayes Salary Guide.

711
00:32:32,120 --> 00:32:33,720
Speaker 2: I've looked at Glassdoor, I've looked at.

712
00:32:33,600 --> 00:32:37,080
Speaker 4: What seeks remuneration for similar roles are and the role

713
00:32:37,080 --> 00:32:40,440
Speaker 4: that I'm currently doing, it sits at X. Obviously, don't

714
00:32:40,520 --> 00:32:42,840
Speaker 4: use that statistic if it's not going to work for you.

715
00:32:43,160 --> 00:32:46,480
Speaker 4: But like I've done some reviews, and in a perfect world,

716
00:32:46,520 --> 00:32:49,360
Speaker 4: that review will say that you're being underpaid. So you

717
00:32:49,400 --> 00:32:51,160
Speaker 4: put that on the table and say so, I would

718
00:32:51,200 --> 00:32:54,480
Speaker 4: really like to discuss my salary in light of this.

719
00:32:54,800 --> 00:32:58,560
Speaker 4: I also would like to discuss the discrepancy between my

720
00:32:58,800 --> 00:33:01,400
Speaker 4: role and another impartployee's role, and I want to have

721
00:33:01,440 --> 00:33:06,240
Speaker 4: a discussion around pay parity in the organization. What does

722
00:33:06,280 --> 00:33:09,400
Speaker 4: that look, Like, how can that be remediated? Because right

723
00:33:09,440 --> 00:33:12,440
Speaker 4: now I don't feel very engaged. I don't feel like

724
00:33:12,520 --> 00:33:16,160
Speaker 4: I'm being valued, and obviously we all want a really

725
00:33:16,240 --> 00:33:20,560
Speaker 4: nice outcome. Look forward to the conversation because that gets

726
00:33:20,560 --> 00:33:23,479
Speaker 4: all your information out before having to go and like

727
00:33:24,120 --> 00:33:26,440
Speaker 4: we're just girls at the end of the day, like

728
00:33:26,600 --> 00:33:30,280
Speaker 4: sitting down and being like, I need to advocate for myself. Like,

729
00:33:30,320 --> 00:33:31,720
Speaker 4: don't get me wrong. If you can do that, that

730
00:33:31,840 --> 00:33:35,680
Speaker 4: is absolutely fantastic. But you're also giving your boss some

731
00:33:35,920 --> 00:33:40,560
Speaker 4: time because often in these situations where there's levels of management,

732
00:33:41,040 --> 00:33:44,400
Speaker 4: it's not your manager who makes that decision. So like

733
00:33:44,440 --> 00:33:47,480
Speaker 4: in my organization, great Jess might come to me about salary,

734
00:33:47,640 --> 00:33:48,040
Speaker 4: I do.

735
00:33:48,040 --> 00:33:48,760
Speaker 2: Call the shots.

736
00:33:48,800 --> 00:33:52,320
Speaker 4: That's the right decision, But like Jess sending an email

737
00:33:52,360 --> 00:33:54,760
Speaker 4: because you know Beck might be her manager, because Beck

738
00:33:54,840 --> 00:33:57,000
Speaker 4: then has to go to Meat to advocate for that.

739
00:33:57,400 --> 00:34:00,720
Speaker 4: I'm giving you all of the tools and resources you

740
00:34:00,760 --> 00:34:03,440
Speaker 4: need to advocate for me on my behalf. Does that

741
00:34:03,520 --> 00:34:06,200
Speaker 4: make sense? So like if your manager maybe goes, oh yeah,

742
00:34:06,200 --> 00:34:09,080
Speaker 4: I just wants to pay increase, what are we going

743
00:34:09,160 --> 00:34:11,640
Speaker 4: to do? Like at least I have put all of

744
00:34:11,640 --> 00:34:15,160
Speaker 4: the information on a page and Beck could forward that

745
00:34:15,200 --> 00:34:17,000
Speaker 4: to my manager and be like, she's got a really

746
00:34:17,040 --> 00:34:20,960
Speaker 4: good point, like this isn't actually acceptable and outlining all

747
00:34:21,000 --> 00:34:23,440
Speaker 4: of that, and at the same time I would be

748
00:34:23,480 --> 00:34:26,640
Speaker 4: looking for another role. I think these conversations are really

749
00:34:26,680 --> 00:34:31,080
Speaker 4: constructive and help us grow, but I also think that

750
00:34:31,800 --> 00:34:33,919
Speaker 4: it sounds like they don't value you in the way

751
00:34:33,920 --> 00:34:36,480
Speaker 4: that you deserve to be valued. And just because you've

752
00:34:36,560 --> 00:34:39,839
Speaker 4: quote uncovered this and it might be remediated, doesn't mean

753
00:34:39,840 --> 00:34:42,239
Speaker 4: that they are going to continue to value you. I

754
00:34:42,280 --> 00:34:46,080
Speaker 4: would find an organization that backs the hell out of you, yes,

755
00:34:46,560 --> 00:34:49,600
Speaker 4: but have this conversation make them pay you more and

756
00:34:49,600 --> 00:34:51,480
Speaker 4: than the week after they've done that, leave.

757
00:34:52,320 --> 00:34:55,080
Speaker 5: Completely agree sweet sweet revenge, which.

758
00:34:54,880 --> 00:34:57,160
Speaker 2: All that maybe undage. I feel lucky.

759
00:34:57,440 --> 00:34:59,640
Speaker 5: Yes, Kim was back paid in my story.

760
00:34:59,760 --> 00:35:03,879
Speaker 4: Yeah, absolutely absolutely back pays another thing to negotiate. So

761
00:35:04,320 --> 00:35:07,759
Speaker 4: I just think it's it's wildly unfair and I hate

762
00:35:07,760 --> 00:35:11,319
Speaker 4: that these things happen, and I'm really sorry, Like I'm

763
00:35:11,320 --> 00:35:14,759
Speaker 4: really sorry that you have to advocate for yourself when

764
00:35:15,120 --> 00:35:19,600
Speaker 4: your management team should be looking at the overall remuneration structures.

765
00:35:20,040 --> 00:35:22,520
Speaker 4: I know that over time things get a little bit off,

766
00:35:22,560 --> 00:35:25,560
Speaker 4: but it's their job to ensure pay parody for lack

767
00:35:25,680 --> 00:35:26,560
Speaker 4: for like roles.

768
00:35:26,680 --> 00:35:30,200
Speaker 2: Yeah, yeah, totally agree. Insane and if you want to

769
00:35:30,239 --> 00:35:32,000
Speaker 2: leave us a money dilemma. By the way, we've had

770
00:35:32,000 --> 00:35:35,520
Speaker 2: a few people dming us recently, being like, hey, go

771
00:35:35,560 --> 00:35:37,520
Speaker 2: to our website, She's the money to talk to you, and

772
00:35:37,560 --> 00:35:39,920
Speaker 2: then there's a podcast page. Go to that and you

773
00:35:39,960 --> 00:35:41,640
Speaker 2: can literally drop your voice notes straight there.

774
00:35:41,719 --> 00:35:43,800
Speaker 4: Yeah, you can record on your phone, you can record

775
00:35:43,840 --> 00:35:46,080
Speaker 4: on your desktop. It's a ten out of ten idea.

776
00:35:46,600 --> 00:35:48,640
Speaker 4: You can also leave love notes there, so you can

777
00:35:48,719 --> 00:35:51,680
Speaker 4: just leave us little voice memos, which some people do

778
00:35:51,760 --> 00:35:52,839
Speaker 4: when we find really fun.

779
00:35:52,960 --> 00:35:53,600
Speaker 5: Absolutely.

780
00:35:53,880 --> 00:35:56,400
Speaker 4: Would you guys like to get to the DM that

781
00:35:56,440 --> 00:35:57,200
Speaker 4: we got this week?

782
00:35:57,400 --> 00:35:58,160
Speaker 2: Absolutely?

783
00:35:58,200 --> 00:35:59,959
Speaker 4: Oh I've been waiting for this one because I feel

784
00:35:59,960 --> 00:36:02,920
Speaker 4: like we've got thoughts, you know. So this week where

785
00:36:02,920 --> 00:36:06,000
Speaker 4: we received a DM, they said, hey, she's on the money.

786
00:36:06,040 --> 00:36:08,960
Speaker 4: I have a money dilemma. I grew up very poor,

787
00:36:09,000 --> 00:36:12,120
Speaker 4: coming from government housing where money was scarce, and I

788
00:36:12,239 --> 00:36:14,839
Speaker 4: never asked for money as a kid or even now,

789
00:36:14,960 --> 00:36:17,960
Speaker 4: because I know money is a struggle. My partner grew

790
00:36:18,040 --> 00:36:20,960
Speaker 4: up wealthy and got what he asked for whenever he wanted.

791
00:36:21,719 --> 00:36:24,000
Speaker 4: Is it fair for me to ask him to stop

792
00:36:24,040 --> 00:36:27,240
Speaker 4: asking his parents for financial help. I feel he doesn't

793
00:36:27,320 --> 00:36:30,520
Speaker 4: value money and doesn't understand how to work and save

794
00:36:30,640 --> 00:36:33,920
Speaker 4: for the things he wants. He continuously goes straight for

795
00:36:34,000 --> 00:36:37,000
Speaker 4: the bank of his parents when he wants something. It

796
00:36:37,080 --> 00:36:39,920
Speaker 4: is never for needs. I can't tell if it is

797
00:36:39,960 --> 00:36:42,360
Speaker 4: a red flag or if my jealousy is just showing

798
00:36:42,440 --> 00:36:46,799
Speaker 4: up through him. I like that you're thinking about you know,

799
00:36:47,120 --> 00:36:50,439
Speaker 4: am I just envious about this situation? We are fair,

800
00:36:50,840 --> 00:36:53,719
Speaker 4: it's not. It's not you being envious. I think in

801
00:36:53,760 --> 00:36:57,399
Speaker 4: this situation, wanting people to value money, especially if you're

802
00:36:57,400 --> 00:36:59,800
Speaker 4: in a relationship together and you're building a life together,

803
00:37:00,000 --> 00:37:05,839
Speaker 4: think is a very big shared value set validating you there. No,

804
00:37:05,920 --> 00:37:08,240
Speaker 4: it's not envy. Yeah, like I'm a little bit jealous

805
00:37:08,280 --> 00:37:09,919
Speaker 4: if someone was just going to give me free money,

806
00:37:09,920 --> 00:37:10,319
Speaker 4: I get it.

807
00:37:10,320 --> 00:37:11,640
Speaker 2: But this is a bit deeper than that.

808
00:37:11,920 --> 00:37:13,960
Speaker 5: Yeah, I agree. It really does sound like me and

809
00:37:14,000 --> 00:37:16,839
Speaker 5: my best friend lives so week because we do grow

810
00:37:16,880 --> 00:37:19,640
Speaker 5: up completely differently. She came from a very wealthy family

811
00:37:19,680 --> 00:37:21,759
Speaker 5: and they did work very hard for their wealth, and

812
00:37:22,200 --> 00:37:25,120
Speaker 5: I grew up not so well off. But we're both

813
00:37:25,160 --> 00:37:28,520
Speaker 5: like exactly the same, and so I think living with her,

814
00:37:28,560 --> 00:37:30,319
Speaker 5: we lived in there for a few years, and there

815
00:37:30,360 --> 00:37:33,080
Speaker 5: were definitely moments where I was like, oh, it's it

816
00:37:33,280 --> 00:37:35,680
Speaker 5: kind of like hurts a little bit in my belly

817
00:37:35,960 --> 00:37:39,239
Speaker 5: to see that she might be given opportunities that I

818
00:37:39,400 --> 00:37:40,200
Speaker 5: might not.

819
00:37:40,400 --> 00:37:42,640
Speaker 4: That would have been challenging with such a close friend.

820
00:37:42,760 --> 00:37:46,080
Speaker 5: It is, but it's also like I also tend to

821
00:37:46,360 --> 00:37:49,120
Speaker 5: remind myself that, like we we are exactly the same.

822
00:37:49,120 --> 00:37:51,640
Speaker 5: But I'm very very grateful for my upbringing. I'm very

823
00:37:51,680 --> 00:37:54,560
Speaker 5: very grateful for everything that led me here, and if

824
00:37:54,719 --> 00:37:57,000
Speaker 5: even one tiny thing changed, and I wouldn't be exactly

825
00:37:57,040 --> 00:37:58,759
Speaker 5: why I am today, And I quite like exactly. I

826
00:37:58,920 --> 00:38:01,000
Speaker 5: love that you know what I mean much back and

827
00:38:01,080 --> 00:38:04,440
Speaker 5: so and but it is still it's nice to have,

828
00:38:04,920 --> 00:38:06,680
Speaker 5: like a little bit I know that if something went wrong,

829
00:38:06,719 --> 00:38:08,479
Speaker 5: Hopefully it's the same for a listener, if something really

830
00:38:08,480 --> 00:38:11,720
Speaker 5: really went wrong, you do kind of have access to that. Hopefully.

831
00:38:11,719 --> 00:38:13,680
Speaker 5: I can imagine that if you're in that situation, it's

832
00:38:13,719 --> 00:38:16,239
Speaker 5: nice to know it's there. But I do understand the

833
00:38:16,280 --> 00:38:19,120
Speaker 5: feeling of being like, wow, like I've got to work

834
00:38:19,120 --> 00:38:21,000
Speaker 5: for this and you can kind of just ask for

835
00:38:21,120 --> 00:38:22,120
Speaker 5: it and you kind of get it.

836
00:38:22,200 --> 00:38:23,000
Speaker 4: That does suck.

837
00:38:23,200 --> 00:38:28,680
Speaker 5: But honestly, if you're trying to teach you know, financial

838
00:38:28,760 --> 00:38:31,400
Speaker 5: resilience and things like that. I can I can understand

839
00:38:31,400 --> 00:38:35,680
Speaker 5: why you maybe want to get your partner to not

840
00:38:35,719 --> 00:38:36,479
Speaker 5: do that as much.

841
00:38:36,520 --> 00:38:39,440
Speaker 6: But I think it's okay that like really bad, Like,

842
00:38:39,480 --> 00:38:42,560
Speaker 6: I think it's fine, but it isn't a valuable thing

843
00:38:42,560 --> 00:38:46,919
Speaker 6: to learn, like the resilience and independence financially and stuff

844
00:38:46,960 --> 00:38:47,200
Speaker 6: like that.

845
00:38:47,320 --> 00:38:50,640
Speaker 2: So yeah, I don't think that either of them is wrong. Like,

846
00:38:50,719 --> 00:38:54,759
Speaker 2: I understand that it's very frustrating if you and your

847
00:38:54,760 --> 00:38:57,759
Speaker 2: partner have different perspectives on money and handling that, and

848
00:38:57,760 --> 00:39:00,040
Speaker 2: if you're e'en like you're obviously both by products the

849
00:39:00,160 --> 00:39:02,440
Speaker 2: environments that you grew up in. And I can see

850
00:39:02,480 --> 00:39:04,840
Speaker 2: how for someone who's had to work really hard for everything,

851
00:39:04,880 --> 00:39:07,680
Speaker 2: seeing someone just be handed something would be frustrating. And

852
00:39:07,760 --> 00:39:11,000
Speaker 2: you I can understand being like, well, you're not going

853
00:39:11,080 --> 00:39:13,760
Speaker 2: to learn because you're just being bailed out every time.

854
00:39:14,360 --> 00:39:18,080
Speaker 2: But that being said, like, I don't think I think

855
00:39:18,080 --> 00:39:20,600
Speaker 2: I've said this before, I don't necessarily think it's reasonable

856
00:39:20,640 --> 00:39:24,560
Speaker 2: to expect your partner to change fundamental things about themselves

857
00:39:24,560 --> 00:39:28,719
Speaker 2: and fundamental things about their upbringing. I think that it's

858
00:39:28,760 --> 00:39:31,359
Speaker 2: absolutely worthy of a conversation and saying, hey, like, I

859
00:39:31,440 --> 00:39:34,440
Speaker 2: feel like you're not respecting the goals as much as

860
00:39:34,440 --> 00:39:37,520
Speaker 2: I am because you're not prioritizing them. You're spending on

861
00:39:37,560 --> 00:39:39,520
Speaker 2: other things and then hoping that your family will bail

862
00:39:39,560 --> 00:39:41,640
Speaker 2: them out. I think that that's a very valid conversation

863
00:39:41,760 --> 00:39:44,480
Speaker 2: to have, But you also need to recognize that the

864
00:39:44,520 --> 00:39:47,200
Speaker 2: case might just be that you have different value sets

865
00:39:47,200 --> 00:39:50,080
Speaker 2: and different experiences with money, and that they may be

866
00:39:50,239 --> 00:39:53,920
Speaker 2: too different for you to be able to operate together

867
00:39:54,120 --> 00:39:58,200
Speaker 2: because ultimately, like you're hopefully assuming you want to follow

868
00:39:58,239 --> 00:40:00,399
Speaker 2: a traditional you know, trajectory, going to be your partner

869
00:40:00,440 --> 00:40:02,319
Speaker 2: for the rest of your life, and it may be

870
00:40:02,440 --> 00:40:04,480
Speaker 2: that that's not something that they can or want to

871
00:40:04,560 --> 00:40:07,040
Speaker 2: change about themselves. And on the flip side, I feel like,

872
00:40:07,120 --> 00:40:09,880
Speaker 2: if their parents are in a wealthy enough position that

873
00:40:09,920 --> 00:40:13,840
Speaker 2: they can help them out financially, don't we all really

874
00:40:13,880 --> 00:40:16,799
Speaker 2: want to build generational wealth so that we can look

875
00:40:16,840 --> 00:40:19,480
Speaker 2: after our future generations. Where I was going to go

876
00:40:19,520 --> 00:40:22,319
Speaker 2: with it, like if I worked really hard and I'm

877
00:40:22,360 --> 00:40:31,320
Speaker 2: a multimillionaire. From my mouth to God's lips, you know,

878
00:40:31,480 --> 00:40:32,040
Speaker 2: this is why.

879
00:40:35,400 --> 00:40:36,680
Speaker 4: She's just been trying to kiss up.

880
00:40:38,000 --> 00:40:41,400
Speaker 2: You want to make out with him? He hasn't been

881
00:40:41,400 --> 00:40:45,240
Speaker 2: listening to me, you know, Like if I found myself

882
00:40:45,320 --> 00:40:47,279
Speaker 2: in the position where I was wealthy, of course I

883
00:40:47,320 --> 00:40:50,560
Speaker 2: would want to support my children and give them every

884
00:40:50,600 --> 00:40:54,600
Speaker 2: opportunity and whatever. So I can't really fault your partner

885
00:40:54,719 --> 00:40:57,160
Speaker 2: or their family for being in that position. I think

886
00:40:57,200 --> 00:41:00,239
Speaker 2: what we really have to do is reflect on is

887
00:41:00,239 --> 00:41:02,040
Speaker 2: this going to be something that's going to bother you

888
00:41:02,200 --> 00:41:05,960
Speaker 2: long term? Because you may not be able to reconcile

889
00:41:06,000 --> 00:41:07,560
Speaker 2: the difference, do you know what I mean? I think

890
00:41:07,560 --> 00:41:09,799
Speaker 2: that you're both in the right and honestly, like I

891
00:41:09,880 --> 00:41:13,960
Speaker 2: grew up in a less prosperous household, and like I

892
00:41:14,120 --> 00:41:16,000
Speaker 2: would be the same, Like I would be pissed off

893
00:41:16,080 --> 00:41:18,399
Speaker 2: that if someone was not putting in the hard yard

894
00:41:18,440 --> 00:41:21,600
Speaker 2: then I felt like I was, like, I fully get that,

895
00:41:22,360 --> 00:41:27,080
Speaker 2: but I also think that you can't necessarily expect that

896
00:41:27,239 --> 00:41:29,800
Speaker 2: to change, Like I don't know that. I think that

897
00:41:29,480 --> 00:41:32,960
Speaker 2: that's a reasonable level of expectation. Does that make exact

898
00:41:33,040 --> 00:41:35,560
Speaker 2: I think I'm contradicting. No, I totally get it. I

899
00:41:35,600 --> 00:41:39,120
Speaker 2: think looking at it from the flip side, we all

900
00:41:39,239 --> 00:41:42,200
Speaker 2: want the best for our kids, right, Like and if

901
00:41:42,800 --> 00:41:46,319
Speaker 2: his parents, I don't know, I look at myself, right,

902
00:41:46,440 --> 00:41:49,359
Speaker 2: Like gift giving is a love language of mine, Like

903
00:41:49,520 --> 00:41:52,480
Speaker 2: I love it. I bring gifts for the team, I

904
00:41:52,520 --> 00:41:55,719
Speaker 2: bring gifts for my friends, like you best believe, Like

905
00:41:56,120 --> 00:41:59,800
Speaker 2: my baby he needs something and I have the ability

906
00:41:59,840 --> 00:42:02,160
Speaker 2: to get it for him. Not only do I want to,

907
00:42:02,239 --> 00:42:05,480
Speaker 2: but it gives me a deep sense of validation to

908
00:42:05,520 --> 00:42:07,640
Speaker 2: go I did that, Like, yeah, I got that, Like

909
00:42:07,719 --> 00:42:11,680
Speaker 2: I don't know, I just I feel as though maybe

910
00:42:11,719 --> 00:42:14,839
Speaker 2: his parents have like look at it, right, Like, let's

911
00:42:14,840 --> 00:42:15,879
Speaker 2: take your situation, Jesse.

912
00:42:15,920 --> 00:42:17,920
Speaker 4: You said I didn't grow up in a prosperous environment.

913
00:42:18,160 --> 00:42:20,960
Speaker 4: If you then had kids and you were super prosperous,

914
00:42:21,320 --> 00:42:25,520
Speaker 4: you often find that the parents who grew up with

915
00:42:25,800 --> 00:42:28,440
Speaker 4: not much then want to give their kids absolutely everything,

916
00:42:28,480 --> 00:42:30,640
Speaker 4: and they're probably getting a lot of validation from it.

917
00:42:30,960 --> 00:42:33,040
Speaker 4: So he might have just grown up with this situation

918
00:42:33,080 --> 00:42:34,520
Speaker 4: of being like, oh I really want this, and mom

919
00:42:34,560 --> 00:42:37,600
Speaker 4: and dad being like, girl, oh boy, whatever, you can

920
00:42:37,680 --> 00:42:40,160
Speaker 4: have it. Like all he has to do is message

921
00:42:40,239 --> 00:42:44,040
Speaker 4: his parents and he's got it. Like that's fantastic. But

922
00:42:44,080 --> 00:42:46,560
Speaker 4: we also I get the NB side of it, like

923
00:42:46,600 --> 00:42:51,239
Speaker 4: if that exists, but I think it's also fair to

924
00:42:51,280 --> 00:42:53,920
Speaker 4: go we're not on the same page. Financially, and that's

925
00:42:53,920 --> 00:42:55,440
Speaker 4: where we need to zoom out. If that's part of

926
00:42:55,480 --> 00:42:58,000
Speaker 4: his money story, fine, let's sweep that to the side

927
00:42:58,040 --> 00:43:00,840
Speaker 4: for a minute. What are we working to wards together?

928
00:43:01,239 --> 00:43:04,080
Speaker 4: Are you saying that your partner right now just spends

929
00:43:04,080 --> 00:43:06,960
Speaker 4: his money really frivolously and then just asks his parents

930
00:43:06,960 --> 00:43:09,080
Speaker 4: for heaps of stuff and doesn't have a heap of savings,

931
00:43:09,120 --> 00:43:10,919
Speaker 4: but you have a heap of savings and you're trying

932
00:43:10,920 --> 00:43:12,399
Speaker 4: to save for a house and he says he's in,

933
00:43:12,440 --> 00:43:14,319
Speaker 4: but he's not really in because he's spending all his

934
00:43:14,400 --> 00:43:16,080
Speaker 4: money and seems to have the bank of Mum and

935
00:43:16,160 --> 00:43:19,240
Speaker 4: Dad backing up his spending behavior. Is that what you're saying,

936
00:43:19,719 --> 00:43:22,640
Speaker 4: or are you saying he's saving, he's investing, and you

937
00:43:22,640 --> 00:43:25,920
Speaker 4: know we're working towards this really secure financial future together.

938
00:43:26,200 --> 00:43:28,879
Speaker 4: I'm compromising a lot. I'm not getting all these things

939
00:43:28,880 --> 00:43:31,080
Speaker 4: that I want. He's saving all his money and just

940
00:43:31,120 --> 00:43:33,640
Speaker 4: texts his mum when he wants a new PlayStation, right, Like,

941
00:43:33,680 --> 00:43:36,560
Speaker 4: so he's not having to dip into savings and have

942
00:43:36,600 --> 00:43:39,080
Speaker 4: that level of compromise that you've got. Yeah, does that

943
00:43:39,120 --> 00:43:40,880
Speaker 4: make sense? So like that would annoy me too and

944
00:43:40,920 --> 00:43:44,040
Speaker 4: be like he's so unfair, Like I'm compromising, and you know,

945
00:43:44,239 --> 00:43:45,880
Speaker 4: at the end of the day, I'm not buying the

946
00:43:45,920 --> 00:43:48,120
Speaker 4: makeup and the shoes and the clothes that I want

947
00:43:48,239 --> 00:43:50,359
Speaker 4: because I'm trying to save for this house and he's

948
00:43:50,360 --> 00:43:52,560
Speaker 4: doing the same thing and saving. But then he's just

949
00:43:52,600 --> 00:43:55,360
Speaker 4: asking his mum for the stuff. Yeah, Like, oh, okay,

950
00:43:56,000 --> 00:43:58,640
Speaker 4: you need to have a conversation about this. And this

951
00:43:58,680 --> 00:44:01,560
Speaker 4: is about not only under standing each other's money stories,

952
00:44:01,560 --> 00:44:06,080
Speaker 4: but your shared values and what you're working towards together

953
00:44:06,239 --> 00:44:08,759
Speaker 4: and what that's going to look like. So is it

954
00:44:08,840 --> 00:44:10,800
Speaker 4: bad that he's using the bank of Mum and Dad.

955
00:44:11,480 --> 00:44:14,359
Speaker 4: I don't think so. And the reason I don't think

956
00:44:14,400 --> 00:44:18,000
Speaker 4: so is you never deeply know somebody else's money story.

957
00:44:18,280 --> 00:44:22,200
Speaker 4: And also, who are you to judge? Like, if you

958
00:44:22,280 --> 00:44:25,040
Speaker 4: could do that too, I'm sure you would. I live

959
00:44:25,080 --> 00:44:28,520
Speaker 4: in a world where I didn't grow up super rich.

960
00:44:28,600 --> 00:44:31,160
Speaker 4: My parents couldn't give me all of those things either.

961
00:44:31,680 --> 00:44:35,640
Speaker 4: I love everything that they did, but we weren't super wealthy.

962
00:44:36,680 --> 00:44:39,439
Speaker 4: On the flip side, I'm now starting to make more

963
00:44:39,480 --> 00:44:41,799
Speaker 4: money than I ever have before, and I'm trying to

964
00:44:41,800 --> 00:44:44,400
Speaker 4: balance this, Like I don't want my kid to be spoilt,

965
00:44:44,440 --> 00:44:46,239
Speaker 4: but I also want to make sure that he has

966
00:44:46,560 --> 00:44:49,520
Speaker 4: all of the things that I think he needs and deserves.

967
00:44:49,960 --> 00:44:53,000
Speaker 4: And so I am thinking, what do I do do

968
00:44:53,080 --> 00:44:56,720
Speaker 4: I invest for his future when he gets to eighteen?

969
00:44:56,800 --> 00:44:59,360
Speaker 4: Would I want him having access to money? The answer

970
00:44:59,360 --> 00:45:01,560
Speaker 4: actually between and Steve and I is no, we want

971
00:45:01,640 --> 00:45:03,960
Speaker 4: him to be older than that. But I know that

972
00:45:04,360 --> 00:45:06,560
Speaker 4: the world is a really tough place to live right now,

973
00:45:06,560 --> 00:45:09,440
Speaker 4: and I would like to be contributing towards a first

974
00:45:09,440 --> 00:45:11,799
Speaker 4: home deposit for him in the future. And I want

975
00:45:11,840 --> 00:45:14,120
Speaker 4: to do that for my other kids, And like, how

976
00:45:14,160 --> 00:45:17,200
Speaker 4: do I establish that so by the time, you know,

977
00:45:17,320 --> 00:45:19,720
Speaker 4: my son gets to the age where he's buying property.

978
00:45:19,960 --> 00:45:22,160
Speaker 4: I love that we could help, but I know that

979
00:45:22,160 --> 00:45:24,680
Speaker 4: that's not what his You know, lots of his friends

980
00:45:24,760 --> 00:45:28,160
Speaker 4: might be experiencing, or his partner might be experiencing. That

981
00:45:28,200 --> 00:45:30,600
Speaker 4: doesn't mean that it's the wrong thing for us to do.

982
00:45:31,160 --> 00:45:34,120
Speaker 4: And as his parent, if my son then had a

983
00:45:34,160 --> 00:45:37,120
Speaker 4: partner that said you need to stop that, I'd be like, oh,

984
00:45:37,120 --> 00:45:39,120
Speaker 4: I worked really hard to be able to give him this.

985
00:45:39,719 --> 00:45:42,880
Speaker 4: I worked really hard, and that was like my mission

986
00:45:42,920 --> 00:45:45,960
Speaker 4: and my driving force, And now you're telling me that

987
00:45:46,200 --> 00:45:48,839
Speaker 4: I can't give my son the things that I want

988
00:45:48,880 --> 00:45:51,400
Speaker 4: to give him. Does that make sense? And like, it

989
00:45:51,440 --> 00:45:56,160
Speaker 4: doesn't mean it doesn't hurt. Like, just because I'm saying

990
00:45:56,200 --> 00:45:58,880
Speaker 4: that it can still happen doesn't mean it's not frustrating,

991
00:45:59,480 --> 00:46:01,719
Speaker 4: Like from the outside, Like you can be annoyed and beck,

992
00:46:01,760 --> 00:46:03,080
Speaker 4: you can look at your friend and be like, that's

993
00:46:03,080 --> 00:46:05,000
Speaker 4: so annoying. But then I think you know, if you

994
00:46:05,040 --> 00:46:07,440
Speaker 4: sat down with your friend's parents and said, like, oh,

995
00:46:07,480 --> 00:46:09,520
Speaker 4: why do you just give her stuff, they'd probably be like,

996
00:46:09,520 --> 00:46:11,440
Speaker 4: We're so proud to be able to do that, Like

997
00:46:11,520 --> 00:46:12,279
Speaker 4: it's so cool.

998
00:46:12,320 --> 00:46:13,360
Speaker 2: We worked so hard.

999
00:46:13,560 --> 00:46:17,200
Speaker 4: Like they might tell you stories about how they grew up,

1000
00:46:17,280 --> 00:46:19,640
Speaker 4: and you know, maybe they've lost some businesses along the

1001
00:46:19,680 --> 00:46:21,800
Speaker 4: way and then they did a new business and something

1002
00:46:21,840 --> 00:46:24,680
Speaker 4: finally worked, and like everyone has this narrative and their

1003
00:46:24,719 --> 00:46:27,520
Speaker 4: story that you don't know about. So I don't think

1004
00:46:27,520 --> 00:46:29,719
Speaker 4: it's fair to judge it. But I also think it's

1005
00:46:29,760 --> 00:46:31,960
Speaker 4: fair to have a conversation and say to your partner,

1006
00:46:32,040 --> 00:46:35,319
Speaker 4: I'm feeling really uncomfortable about this, yeah, and that's fair.

1007
00:46:35,920 --> 00:46:40,400
Speaker 4: Telling him to stop is a different conversation than going, hey,

1008
00:46:40,480 --> 00:46:42,080
Speaker 4: i'm noticing that you're doing this a lot. Can we

1009
00:46:42,120 --> 00:46:44,640
Speaker 4: talk about it? Like I feel real weird about it. Yeah,

1010
00:46:44,680 --> 00:46:46,279
Speaker 4: Like have you always done this?

1011
00:46:46,560 --> 00:46:46,840
Speaker 2: Yeah?

1012
00:46:46,880 --> 00:46:48,000
Speaker 4: Like what does this mean?

1013
00:46:48,120 --> 00:46:51,160
Speaker 2: Like how do you value money? What are you going

1014
00:46:51,239 --> 00:46:53,799
Speaker 2: to do if your parents maybe aren't around one day? Yeah,

1015
00:46:53,880 --> 00:46:56,799
Speaker 2: And because they can understand the fear that poor money

1016
00:46:56,800 --> 00:46:58,920
Speaker 2: habits now might meet in the future when there's not

1017
00:46:58,960 --> 00:47:01,680
Speaker 2: someone there to support you. You you could go, oh God,

1018
00:47:01,680 --> 00:47:02,720
Speaker 2: what's going to happen if.

1019
00:47:02,760 --> 00:47:04,880
Speaker 4: What's your plan for the future, Like your parents are

1020
00:47:04,880 --> 00:47:06,920
Speaker 4: doing this for you, how are you planning on setting

1021
00:47:07,000 --> 00:47:08,680
Speaker 4: up the same structure so that you can do that

1022
00:47:08,680 --> 00:47:09,320
Speaker 4: for your kids?

1023
00:47:09,480 --> 00:47:09,680
Speaker 7: Yeah?

1024
00:47:09,800 --> 00:47:10,719
Speaker 4: Like is that the plan?

1025
00:47:10,880 --> 00:47:11,719
Speaker 2: Like, I don't know.

1026
00:47:11,760 --> 00:47:13,960
Speaker 4: I think there's a lot of money stories conversation, but

1027
00:47:14,000 --> 00:47:17,600
Speaker 4: shared values and beliefs conversations that need to happen before

1028
00:47:17,640 --> 00:47:19,400
Speaker 4: you go, hey, I don't like that you go to

1029
00:47:19,440 --> 00:47:20,440
Speaker 4: the bank of mom and dad.

1030
00:47:20,640 --> 00:47:23,200
Speaker 5: Sure, sometimes what you need is just validation, just someone

1031
00:47:23,239 --> 00:47:24,680
Speaker 5: to be like, hey, I know I do this, and

1032
00:47:24,719 --> 00:47:26,840
Speaker 5: I know that you could never and you don't have

1033
00:47:26,880 --> 00:47:29,279
Speaker 5: access to that, but and I see that nothing's going

1034
00:47:29,320 --> 00:47:31,000
Speaker 5: to change. But I see that, and that's like that's

1035
00:47:31,120 --> 00:47:33,640
Speaker 5: enough sometimes to be like thanks, I'm going to keep

1036
00:47:33,680 --> 00:47:34,239
Speaker 5: on keep an ony.

1037
00:47:34,640 --> 00:47:34,879
Speaker 1: Yeah.

1038
00:47:35,000 --> 00:47:39,480
Speaker 4: But like also a rising tide lift soulships. So like,

1039
00:47:39,800 --> 00:47:42,960
Speaker 4: if I'm doing well, hopefully the people around me are

1040
00:47:43,000 --> 00:47:46,280
Speaker 4: then learning and benefiting from the fact that I'm doing

1041
00:47:46,320 --> 00:47:48,839
Speaker 4: well and we can all rise together, Like I don't

1042
00:47:48,840 --> 00:47:52,520
Speaker 4: want to rise if nobody else is ill, and what

1043
00:47:52,760 --> 00:47:55,200
Speaker 4: everybody else say? We obviously asked a few questions, and

1044
00:47:55,239 --> 00:47:57,120
Speaker 4: we said, is it a red flag for you if

1045
00:47:57,120 --> 00:48:00,879
Speaker 4: your partner relies on their family for their wants? And

1046
00:48:01,160 --> 00:48:03,879
Speaker 4: seventy four percent of you said, yep, feels like a dependency,

1047
00:48:04,280 --> 00:48:06,680
Speaker 4: and twenty six percent of you said nope. Family help

1048
00:48:06,760 --> 00:48:10,920
Speaker 4: is fine if it's available. Fair. Fair. We also asked,

1049
00:48:11,160 --> 00:48:14,320
Speaker 4: would you ask your partner to stop relying on their parents?

1050
00:48:14,600 --> 00:48:17,520
Speaker 4: Sixty percent of you said definitely, because it builds character,

1051
00:48:17,920 --> 00:48:21,480
Speaker 4: and forty percent of you said nope. Their finances their choices.

1052
00:48:22,440 --> 00:48:24,839
Speaker 2: I think once you start working towards shared goals, it's

1053
00:48:24,880 --> 00:48:30,040
Speaker 2: definitely more valid because their finances are impacting your finances.

1054
00:48:30,160 --> 00:48:32,120
Speaker 4: Yeah that I agree with that, Yeah, one hundred percent.

1055
00:48:32,239 --> 00:48:35,719
Speaker 4: And like that's the conversation at hand, Like how does

1056
00:48:35,760 --> 00:48:38,880
Speaker 4: this play into an US situation? Like you're not asking

1057
00:48:38,920 --> 00:48:41,560
Speaker 4: his parents to buy you stuff, but you're just going, well,

1058
00:48:41,600 --> 00:48:44,279
Speaker 4: what does this mean? Long term, sure, like, how is

1059
00:48:44,320 --> 00:48:47,400
Speaker 4: this impacting our financial goals? We also said, come on,

1060
00:48:47,640 --> 00:48:49,440
Speaker 4: give us your two cents where you want to know.

1061
00:48:49,560 --> 00:48:53,400
Speaker 4: What are your thoughts on this. One person said, parents

1062
00:48:53,480 --> 00:48:56,359
Speaker 4: love language. Maybe gift giving, which is quite funny, That's

1063
00:48:56,360 --> 00:48:58,799
Speaker 4: what I said, maybe the one thing of the few

1064
00:48:58,840 --> 00:49:01,320
Speaker 4: things they feel they can do now their kids are adults.

1065
00:49:02,200 --> 00:49:05,120
Speaker 4: Someone else said focus on your own mindset rather than

1066
00:49:05,120 --> 00:49:08,759
Speaker 4: your partners. Another person said, my concern would be that

1067
00:49:08,800 --> 00:49:12,400
Speaker 4: he has not matured and is irresponsible with money, not

1068
00:49:12,520 --> 00:49:15,799
Speaker 4: a grown man trait that I want. I think that's good,

1069
00:49:15,840 --> 00:49:19,560
Speaker 4: but also have we asked him? Yeah, right, Like I

1070
00:49:19,640 --> 00:49:22,279
Speaker 4: get that you feel that might be irresponsible. And I'm

1071
00:49:22,320 --> 00:49:24,040
Speaker 4: not even trying to defend him. I'm just trying to

1072
00:49:24,040 --> 00:49:26,319
Speaker 4: see it from the flip side. But you might see

1073
00:49:26,320 --> 00:49:28,719
Speaker 4: that as irresponsible, and he might go, oh, we've only

1074
00:49:28,760 --> 00:49:31,120
Speaker 4: been together for like a year. I haven't really told you.

1075
00:49:31,200 --> 00:49:33,480
Speaker 4: But I invest and I save everything. A mum and

1076
00:49:33,560 --> 00:49:35,760
Speaker 4: dad know that I work really hard in the background,

1077
00:49:35,800 --> 00:49:37,920
Speaker 4: and they're like real proud of that. So like, if

1078
00:49:37,960 --> 00:49:40,480
Speaker 4: I want something, they don't want me spending my investments,

1079
00:49:40,520 --> 00:49:43,360
Speaker 4: so they just buy it. Yeah, And you'd be like, oh,

1080
00:49:43,360 --> 00:49:45,239
Speaker 4: that's a different story, and I'm not saying it makes

1081
00:49:45,239 --> 00:49:47,480
Speaker 4: it right or wrong. It doesn't. That would also annoy me.

1082
00:49:47,480 --> 00:49:49,759
Speaker 4: I'd be like, oh, I'm so frustrated, Like I wish

1083
00:49:49,800 --> 00:49:52,759
Speaker 4: I had that, but yeah, it's just there's lots of

1084
00:49:52,840 --> 00:49:53,959
Speaker 4: different things floating around.

1085
00:49:54,120 --> 00:49:54,319
Speaker 5: Yeah.

1086
00:49:54,400 --> 00:49:56,880
Speaker 4: Someone said, girl, that's called intergenerational wealth.

1087
00:49:57,120 --> 00:49:57,600
Speaker 2: Yeah.

1088
00:49:57,640 --> 00:50:00,880
Speaker 4: Someone else said, in this economy, all the help you

1089
00:50:00,920 --> 00:50:05,160
Speaker 4: can get, honestly fair, Like, if your partner was getting

1090
00:50:05,160 --> 00:50:07,400
Speaker 4: gifted stuff, you'd be like, yep, slate, no worries.

1091
00:50:08,160 --> 00:50:09,920
Speaker 2: If someone had the ability to do that for me, like,

1092
00:50:09,960 --> 00:50:11,880
Speaker 2: I'd be back pass right please.

1093
00:50:11,920 --> 00:50:14,000
Speaker 4: Someone else said, I feel like you could just have

1094
00:50:14,040 --> 00:50:17,040
Speaker 4: an open conversation about it with them. Then it's true,

1095
00:50:17,080 --> 00:50:21,160
Speaker 4: more conversations about money more often, please. Yeah. Someone else said,

1096
00:50:21,520 --> 00:50:24,160
Speaker 4: I'd feel the same as you, but it also doesn't

1097
00:50:24,200 --> 00:50:24,799
Speaker 4: affect you.

1098
00:50:24,880 --> 00:50:29,200
Speaker 2: So maybe your values just done aligne. It's a hard conversation,

1099
00:50:29,440 --> 00:50:31,399
Speaker 2: but it's one that you have to have.

1100
00:50:31,600 --> 00:50:33,960
Speaker 4: And then somebody else said, I would suggest having a

1101
00:50:34,040 --> 00:50:36,560
Speaker 4: chat with a therapist because you might have developed a

1102
00:50:36,560 --> 00:50:38,360
Speaker 4: scarcity relationship with money.

1103
00:50:38,960 --> 00:50:42,520
Speaker 2: Wow, it's very cerebral but true. Yeah, that's true.

1104
00:50:42,640 --> 00:50:44,720
Speaker 4: It's true. I feel like that's probably a good place

1105
00:50:44,719 --> 00:50:47,400
Speaker 4: to leave it. I feel like always talking about it.

1106
00:50:47,440 --> 00:50:49,040
Speaker 4: I mean you could even talk to like a girlfriend

1107
00:50:49,040 --> 00:50:52,440
Speaker 4: about it, or just having chats about money in general

1108
00:50:52,560 --> 00:50:55,560
Speaker 4: is really good. Like really, we all come out of

1109
00:50:55,560 --> 00:50:57,920
Speaker 4: it feeling fresher, like you were saying before, even just

1110
00:50:57,960 --> 00:50:59,880
Speaker 4: someone being like, oh, I'm doing this, but like I

1111
00:51:00,040 --> 00:51:02,480
Speaker 4: acknowledge that, Like Becky, you're not in that position right now,

1112
00:51:02,800 --> 00:51:06,080
Speaker 4: You're oh, thanks, Like at least I feel like sometimes

1113
00:51:06,080 --> 00:51:09,319
Speaker 4: when we talk about money, there's an underlying tone of like,

1114
00:51:09,920 --> 00:51:12,359
Speaker 4: I think everyone should X y Z, Like, oh, I'm

1115
00:51:12,360 --> 00:51:14,759
Speaker 4: buying my first home. You're like, I'm not in a

1116
00:51:14,760 --> 00:51:16,680
Speaker 4: position to buy my first home. Does the person I'm

1117
00:51:16,760 --> 00:51:19,440
Speaker 4: talking to think that I should be doing that because

1118
00:51:19,480 --> 00:51:21,680
Speaker 4: like I haven't saved for that, Like what do I do?

1119
00:51:21,840 --> 00:51:24,960
Speaker 4: And I think that, Yes, sometimes just acknowledging that everyone

1120
00:51:25,040 --> 00:51:27,879
Speaker 4: is in the same position can be really constructive.

1121
00:51:28,080 --> 00:51:31,680
Speaker 5: Yeah, yeah, I completely agree. You wouldn't believe it. Sometimes

1122
00:51:31,880 --> 00:51:34,000
Speaker 5: the answer is communication.

1123
00:51:34,800 --> 00:51:38,279
Speaker 4: Well I didn't see that. That's crazy. That is a

1124
00:51:38,320 --> 00:51:41,120
Speaker 4: perfect place to leave it. Thank you for joining us

1125
00:51:41,120 --> 00:51:45,560
Speaker 4: for our not that spooky episode of Friday's She's on

1126
00:51:45,600 --> 00:51:48,399
Speaker 4: the Money. We will endeavor to try harder next year.

1127
00:51:49,280 --> 00:51:51,080
Speaker 4: But yeah, spooky season.

1128
00:51:51,360 --> 00:51:51,920
Speaker 2: Greetings.

1129
00:51:52,080 --> 00:51:53,200
Speaker 4: I suppose that's it.

1130
00:51:53,280 --> 00:51:54,080
Speaker 5: Happy Hillarine.

1131
00:51:55,040 --> 00:52:03,840
Speaker 4: Bye guys, Hi guys. The advice shared on She's on

1132
00:52:03,880 --> 00:52:06,560
Speaker 4: the Money is general in nature and does not consider

1133
00:52:06,600 --> 00:52:10,520
Speaker 4: your individual circumstances. She's on the Money exists purely for

1134
00:52:10,680 --> 00:52:13,520
Speaker 4: educational purposes and should not be relied upon to make

1135
00:52:13,560 --> 00:52:16,840
Speaker 4: an investment or financial decision. If you do choose to

1136
00:52:16,840 --> 00:52:20,120
Speaker 4: buy a financial product, read the PDS TMD and obtain

1137
00:52:20,160 --> 00:52:24,560
Speaker 4: appropriate financial advice tailored towards your needs. Victoria Divine and

1138
00:52:24,719 --> 00:52:28,160
Speaker 4: She's on the Money are authorized representatives of money. Sheper

1139
00:52:28,280 --> 00:52:32,479
Speaker 4: Pty Ltd ABN three two one six four nine two

1140
00:52:32,520 --> 00:52:36,359
Speaker 4: seven seven zero eight AFSL four five one two eight

1141
00:52:36,520 --> 00:52:37,800
Speaker 4: nine