1
00:00:00,800 --> 00:00:03,600
Speaker 1: She's on the Money. She's on the Money.

2
00:00:15,160 --> 00:00:17,960
Speaker 2: Hello and welcome to She's on the Money, the podcast

3
00:00:18,000 --> 00:00:22,600
Speaker 2: for millennials who want financial freedom. My name is Victoria Devine.

4
00:00:22,640 --> 00:00:25,079
Speaker 2: I'm a financial advisor, a millennial, and a woman who

5
00:00:25,120 --> 00:00:28,600
Speaker 2: is wildly passionate about all things finance. In this Money

6
00:00:28,680 --> 00:00:31,040
Speaker 2: Darry's episode, you are going to be hearing from a

7
00:00:31,120 --> 00:00:34,199
Speaker 2: twenty four year old community member who has more than

8
00:00:34,240 --> 00:00:37,199
Speaker 2: one hundred thousand dollars in savings. We're also going to

9
00:00:37,280 --> 00:00:40,320
Speaker 2: hear one how she's done it, but two the importance

10
00:00:40,400 --> 00:00:43,440
Speaker 2: of having a support system around you and being surrounded

11
00:00:43,479 --> 00:00:46,800
Speaker 2: by like minded people. Ryan, what was the email she

12
00:00:46,880 --> 00:00:47,920
Speaker 2: sent us this week.

13
00:00:48,120 --> 00:00:50,440
Speaker 3: I've recently turned twenty four and I've been working since

14
00:00:50,440 --> 00:00:52,080
Speaker 3: I was fifteen years old. I just got my first

15
00:00:52,159 --> 00:00:54,920
Speaker 3: corporate job, earning around seventy thousand dollars per year.

16
00:00:55,040 --> 00:00:57,120
Speaker 2: That's pretty good corporate job, first.

17
00:00:57,480 --> 00:01:00,880
Speaker 3: Union, pretty income. I think I'm pretty deep saving. I've

18
00:01:00,880 --> 00:01:03,360
Speaker 3: saved around one hundred and ten thousand dollars.

19
00:01:03,440 --> 00:01:04,679
Speaker 2: Oh yeah, just pretty decent.

20
00:01:04,959 --> 00:01:07,000
Speaker 3: That's actually ridiculous. That is unbelievable.

21
00:01:07,440 --> 00:01:09,600
Speaker 2: But love, though she says, pretty decent.

22
00:01:09,360 --> 00:01:12,520
Speaker 3: Well, hang on, it gets worse, worse or better worse.

23
00:01:12,680 --> 00:01:14,880
Speaker 3: So that's her saying she's decent at saving, but I'm

24
00:01:14,880 --> 00:01:17,199
Speaker 3: actually pretty terrible at being on top of my money

25
00:01:17,200 --> 00:01:19,840
Speaker 3: in terms of tracking where it goes each month. I

26
00:01:19,920 --> 00:01:20,959
Speaker 3: highly dispute that.

27
00:01:21,200 --> 00:01:23,800
Speaker 2: I I'm not gonna lie. Oh I think that the

28
00:01:23,880 --> 00:01:25,679
Speaker 2: spoiler here is into her savings.

29
00:01:25,760 --> 00:01:27,560
Speaker 3: Yeah, I would love to buy a property in the

30
00:01:27,560 --> 00:01:29,320
Speaker 3: near future, but at the same time, I would also

31
00:01:29,400 --> 00:01:31,240
Speaker 3: love to live in the Inner West or the city

32
00:01:31,319 --> 00:01:34,080
Speaker 3: in Sydney and live out my hipster dreams, which is

33
00:01:34,080 --> 00:01:35,720
Speaker 3: obviously quite expensive.

34
00:01:36,040 --> 00:01:38,800
Speaker 2: It is so expensive in Sydney to live in anything.

35
00:01:39,280 --> 00:01:41,360
Speaker 3: Well, I'm pretty sure it's a million dollars. Like you know,

36
00:01:41,400 --> 00:01:43,440
Speaker 3: there's always these viral stories like for a million dollars

37
00:01:43,440 --> 00:01:47,600
Speaker 3: you get this rundown shed. Someone's out, all right. She

38
00:01:47,640 --> 00:01:51,120
Speaker 3: currently also has ten thousand dollars invested in ETF, but

39
00:01:51,160 --> 00:01:53,360
Speaker 3: at twenty four years old, with one hundred and ten

40
00:01:53,400 --> 00:01:54,200
Speaker 3: thousand dollars in.

41
00:01:54,200 --> 00:01:56,120
Speaker 2: Savings, I want to know where it came from.

42
00:01:56,360 --> 00:01:57,120
Speaker 3: It's unbelievable.

43
00:01:57,200 --> 00:01:58,000
Speaker 2: Is that too pervy?

44
00:01:58,200 --> 00:01:58,400
Speaker 1: No?

45
00:01:58,520 --> 00:02:01,520
Speaker 3: And it's I mean, we love relatable stories, but.

46
00:02:02,320 --> 00:02:06,200
Speaker 2: We also love inspirational stories. I've asked to do that.

47
00:02:06,560 --> 00:02:08,760
Speaker 3: All right, let's call the twenty four year old with

48
00:02:08,840 --> 00:02:19,080
Speaker 3: one hundred grand in savings. Hello, so speaking hello? Is

49
00:02:19,120 --> 00:02:21,280
Speaker 3: this the twenty four year old with one hundred thousand

50
00:02:21,360 --> 00:02:22,400
Speaker 3: dollars in savings?

51
00:02:23,160 --> 00:02:24,400
Speaker 1: It sure is.

52
00:02:25,040 --> 00:02:26,200
Speaker 2: How are you going good?

53
00:02:26,200 --> 00:02:28,359
Speaker 3: Thanks? It's Ryan here and Victoria is with us as well.

54
00:02:28,520 --> 00:02:28,680
Speaker 1: Hi.

55
00:02:29,800 --> 00:02:33,560
Speaker 2: Hi, all right, So let's jump straight in. First question

56
00:02:33,800 --> 00:02:36,160
Speaker 2: is what has your relationship with money been like in

57
00:02:36,160 --> 00:02:36,680
Speaker 2: the past.

58
00:02:37,280 --> 00:02:39,200
Speaker 1: I feel like my relationship with money in the past

59
00:02:39,200 --> 00:02:41,880
Speaker 1: has been pretty good, and I think I owe that

60
00:02:42,360 --> 00:02:45,119
Speaker 1: a lot to my parents in the sense that they're

61
00:02:45,120 --> 00:02:48,639
Speaker 1: healthy with building and the foundation of good money and

62
00:02:48,919 --> 00:02:52,200
Speaker 1: saving habits. So I was thought up to really not

63
00:02:52,320 --> 00:02:54,880
Speaker 1: buy things unless I had the money to pay for

64
00:02:54,919 --> 00:02:58,840
Speaker 1: it out right, So my parents' seven years credit cards

65
00:02:58,919 --> 00:03:02,040
Speaker 1: or way vible things like that. So even up until

66
00:03:02,200 --> 00:03:04,400
Speaker 1: now at twenty four, I've never had a credit card

67
00:03:04,480 --> 00:03:09,519
Speaker 1: or units like the buy now, pay you later type services.

68
00:03:09,560 --> 00:03:12,200
Speaker 1: And also on top of that growing up as well,

69
00:03:12,240 --> 00:03:15,040
Speaker 1: like when it came to treating myself with things like

70
00:03:15,080 --> 00:03:18,480
Speaker 1: I don't know, clothes and whatnot, I'd never really buy

71
00:03:18,520 --> 00:03:20,000
Speaker 1: anything on myself on sale.

72
00:03:20,280 --> 00:03:21,960
Speaker 2: So what do you do for work now? And how

73
00:03:22,080 --> 00:03:23,079
Speaker 2: much do you earn?

74
00:03:23,480 --> 00:03:26,200
Speaker 1: So I just finished a two year graduate program in

75
00:03:26,240 --> 00:03:30,200
Speaker 1: the telecommunications industry at the end of twenty twenty earning

76
00:03:30,440 --> 00:03:34,920
Speaker 1: just under seventy thousand dollars a year including super. But

77
00:03:35,160 --> 00:03:36,680
Speaker 1: at the beginning of this year, I'm starting a new

78
00:03:36,800 --> 00:03:40,120
Speaker 1: role with an annual salary of ninety four thousand a

79
00:03:40,200 --> 00:03:41,440
Speaker 1: year including super.

80
00:03:41,920 --> 00:03:43,640
Speaker 2: And how much do you have in your bank account

81
00:03:43,760 --> 00:03:44,200
Speaker 2: right now?

82
00:03:44,680 --> 00:03:47,280
Speaker 1: So in my bank account right now, I have just

83
00:03:47,680 --> 00:03:49,920
Speaker 1: under one hundred and twenty thousand dollars.

84
00:03:50,200 --> 00:03:53,480
Speaker 2: Wait, twenty four, I am twenty four.

85
00:03:55,400 --> 00:03:56,600
Speaker 1: Just what this goos got?

86
00:03:56,640 --> 00:03:56,680
Speaker 3: Like?

87
00:03:56,720 --> 00:03:59,720
Speaker 1: Ass with my family for most of my life. So yeah,

88
00:04:00,080 --> 00:04:02,880
Speaker 1: and they able to save on costs like rent. And yeah,

89
00:04:02,880 --> 00:04:05,320
Speaker 1: I've been working since I could work from a legal age,

90
00:04:05,360 --> 00:04:09,280
Speaker 1: so yeah, I think that's definitely helped lodge there.

91
00:04:09,320 --> 00:04:13,520
Speaker 2: You're like, no, I was, all right, So what is

92
00:04:13,560 --> 00:04:16,720
Speaker 2: your attitude towards money and what is your big money goal?

93
00:04:17,160 --> 00:04:20,239
Speaker 1: My attitude towards money, Well, I see money as a

94
00:04:20,279 --> 00:04:25,239
Speaker 1: tool and honestly an ingredient for a financial independence and freedom.

95
00:04:25,440 --> 00:04:27,760
Speaker 1: I really think it's important to save money for a

96
00:04:27,839 --> 00:04:31,279
Speaker 1: rainy day and use money to build future wealth. So

97
00:04:31,680 --> 00:04:34,360
Speaker 1: I honestly think this needs to be balanced out with

98
00:04:34,640 --> 00:04:37,720
Speaker 1: mind just fully spending it to an enables well the

99
00:04:37,800 --> 00:04:41,839
Speaker 1: currently to still enjoy life, whether that includes like spending

100
00:04:41,839 --> 00:04:44,359
Speaker 1: money on a holiday or maybe a bougie dinner or

101
00:04:44,360 --> 00:04:46,640
Speaker 1: something like that. But yeah, with all of that being said,

102
00:04:46,640 --> 00:04:50,000
Speaker 1: I'm not gonna lie. There's been times where I've caught up.

103
00:04:50,040 --> 00:04:52,960
Speaker 1: I've been caught up with comparing myself to my peers

104
00:04:53,000 --> 00:04:55,800
Speaker 1: and what they earn and what they have. And I

105
00:04:55,800 --> 00:04:59,160
Speaker 1: feel like I'm gradually learning to shift my money mindset

106
00:04:59,320 --> 00:05:02,640
Speaker 1: to realize that whatever I'm earning and my digits in

107
00:05:02,760 --> 00:05:05,880
Speaker 1: my bank account isn't going to determine whether I'm winning

108
00:05:06,120 --> 00:05:10,479
Speaker 1: at life in terms of money goals. I'm completed between two.

109
00:05:10,760 --> 00:05:12,760
Speaker 1: One part of me would really like to sit down

110
00:05:12,760 --> 00:05:16,520
Speaker 1: my route and purchase the property, so Sydney's property prices

111
00:05:16,600 --> 00:05:19,600
Speaker 1: really make my eyes water. And then thee in a

112
00:05:19,760 --> 00:05:21,880
Speaker 1: wonderlust in me wants to use a portion of my

113
00:05:21,920 --> 00:05:25,080
Speaker 1: savings to go traveling or set up myself to work

114
00:05:25,080 --> 00:05:26,640
Speaker 1: out a face for a bit and use the rest

115
00:05:26,680 --> 00:05:30,720
Speaker 1: of my savings to build up my shares splash investment portfolio.

116
00:05:31,000 --> 00:05:33,840
Speaker 2: Awesome, So what is your attitude towards investing and do

117
00:05:33,880 --> 00:05:35,280
Speaker 2: you currently have any investments?

118
00:05:35,800 --> 00:05:38,359
Speaker 1: So I just got into investing in the share market

119
00:05:38,440 --> 00:05:42,960
Speaker 1: last year, from the encouragement of my family. I've tried

120
00:05:42,960 --> 00:05:46,440
Speaker 1: to educate myself on it by reading listening to podcasts

121
00:05:46,440 --> 00:05:51,640
Speaker 1: like She's on the Money, and I think watching videos

122
00:05:51,640 --> 00:05:53,040
Speaker 1: as well helps me because I'm a bit of a

123
00:05:53,120 --> 00:05:56,240
Speaker 1: visual learner. But honestly, right now, I would say I'm

124
00:05:56,240 --> 00:05:59,000
Speaker 1: still no expert on it by any means, and I

125
00:05:59,120 --> 00:06:03,920
Speaker 1: feel like I don't have a complete and full understanding

126
00:06:03,960 --> 00:06:06,560
Speaker 1: of it. So I can see the value in it,

127
00:06:06,600 --> 00:06:09,680
Speaker 1: and I feel like that's enough. I've lightly looked at

128
00:06:09,800 --> 00:06:12,920
Speaker 1: educating myself in property investments as well, but nowhere near

129
00:06:12,960 --> 00:06:16,240
Speaker 1: as much as investing in the share market. But yeah,

130
00:06:16,320 --> 00:06:20,839
Speaker 1: my only investment right now is about ten thousand dollars

131
00:06:21,160 --> 00:06:23,320
Speaker 1: just in an easier at the moment al so.

132
00:06:23,440 --> 00:06:26,599
Speaker 2: You do invest that's quite significant. I hope you're proud

133
00:06:26,600 --> 00:06:29,640
Speaker 2: of that. So what debts do you currently have?

134
00:06:30,160 --> 00:06:33,120
Speaker 1: I currently the only debt I have at the moment

135
00:06:33,279 --> 00:06:36,599
Speaker 1: is thirty two thousand dollars of hex steps from my

136
00:06:36,920 --> 00:06:39,400
Speaker 1: university degree. I double checked my number as well, I

137
00:06:39,480 --> 00:06:41,880
Speaker 1: like logged into my mind got accounts, like I need.

138
00:06:41,760 --> 00:06:44,919
Speaker 2: A double check. It's so good. And what would you

139
00:06:44,960 --> 00:06:46,719
Speaker 2: say is your best money habit.

140
00:06:47,000 --> 00:06:50,560
Speaker 1: I think as I've gotten older, I've become a bit

141
00:06:50,680 --> 00:06:55,200
Speaker 1: better at being a conscious sender and really thinking about

142
00:06:55,200 --> 00:06:59,239
Speaker 1: whether I really need something rather than just buying stuff

143
00:06:59,360 --> 00:07:02,479
Speaker 1: because it's cheap. I'm not perfect by any means, and

144
00:07:02,480 --> 00:07:04,880
Speaker 1: I still have the odds slip upstone. I think I

145
00:07:05,400 --> 00:07:07,800
Speaker 1: love a came up bargain as much as the next person.

146
00:07:08,600 --> 00:07:11,440
Speaker 1: But I think continually asking myself the question about whether

147
00:07:11,600 --> 00:07:14,000
Speaker 1: buying this thing is going to make me a happier

148
00:07:14,000 --> 00:07:16,120
Speaker 1: person and whether it's going to add value into my

149
00:07:16,240 --> 00:07:20,360
Speaker 1: life has helped me with building good money habits. And

150
00:07:20,440 --> 00:07:23,240
Speaker 1: also I think another room helped me was watching the

151
00:07:23,400 --> 00:07:27,800
Speaker 1: Minimalism documentary series on Netflix. That's really helped me really

152
00:07:28,240 --> 00:07:33,440
Speaker 1: re evaluate whether helped me reevaluate my perspective on buying.

153
00:07:33,880 --> 00:07:36,160
Speaker 3: They've just released a new documentary. Have you seen the

154
00:07:36,160 --> 00:07:36,560
Speaker 3: new one?

155
00:07:36,800 --> 00:07:39,600
Speaker 1: Yes, I just watched it, not last night or the

156
00:07:39,680 --> 00:07:40,119
Speaker 1: night before.

157
00:07:40,240 --> 00:07:42,920
Speaker 3: And yeah, all right, you are a Well there's the

158
00:07:42,920 --> 00:07:45,000
Speaker 3: original documentary about minimalism.

159
00:07:45,040 --> 00:07:45,600
Speaker 2: I've watched that.

160
00:07:45,880 --> 00:07:48,480
Speaker 3: So they brought out a new one like just last week,

161
00:07:48,840 --> 00:07:51,880
Speaker 3: like an updated version. I get, well, well, our money dies.

162
00:07:51,920 --> 00:07:53,280
Speaker 3: You probably know more than me. What is the new

163
00:07:53,280 --> 00:07:54,000
Speaker 3: one about.

164
00:07:55,000 --> 00:07:58,800
Speaker 1: Well, I felt like the new one was pretty It

165
00:07:58,840 --> 00:08:00,680
Speaker 1: wasn't it was that was tell me a little bit

166
00:08:00,680 --> 00:08:06,960
Speaker 1: more story telling around buying stuff like here like not

167
00:08:07,080 --> 00:08:09,360
Speaker 1: needing to buy so much stuff is still very much

168
00:08:09,400 --> 00:08:12,560
Speaker 1: the core message as they were communicating in the documentary

169
00:08:12,560 --> 00:08:15,080
Speaker 1: that there wasn't it wasn't anything groundbreaking on you. But

170
00:08:15,120 --> 00:08:17,280
Speaker 1: I think it's nice to kind of I guess just

171
00:08:17,360 --> 00:08:20,960
Speaker 1: reinforce that every now and again. So yeah, it was

172
00:08:21,000 --> 00:08:21,480
Speaker 1: really good.

173
00:08:22,160 --> 00:08:26,080
Speaker 3: I enjoyed it still, so you know, and she's on

174
00:08:26,120 --> 00:08:27,960
Speaker 3: the movie review will be out later.

175
00:08:28,040 --> 00:08:29,760
Speaker 1: This love that.

176
00:08:30,040 --> 00:08:32,960
Speaker 2: I'm not mad about that. So on the flip side

177
00:08:33,000 --> 00:08:35,400
Speaker 2: of that, what would you say is your worst money habit?

178
00:08:35,800 --> 00:08:38,640
Speaker 1: I would say my worst money habit is that I

179
00:08:38,679 --> 00:08:42,040
Speaker 1: don't really keep track of my cash flow in a

180
00:08:42,080 --> 00:08:46,120
Speaker 1: regimented way at all, to be honest. So, for example,

181
00:08:46,120 --> 00:08:49,080
Speaker 1: if you asked me how much I spent on eating out,

182
00:08:49,440 --> 00:08:52,240
Speaker 1: gifts and groceries in the month of December, I don't

183
00:08:52,280 --> 00:08:54,200
Speaker 1: think I could tell you at all. Or if you

184
00:08:54,280 --> 00:08:57,040
Speaker 1: ask me the percentage of my income that I saved

185
00:08:57,080 --> 00:08:59,839
Speaker 1: us just spending around those categories, I've having no idea.

186
00:09:00,880 --> 00:09:03,160
Speaker 1: I remember there was this great quote and I can't

187
00:09:03,160 --> 00:09:05,520
Speaker 1: remember I either had it on unless she's on the

188
00:09:05,520 --> 00:09:08,000
Speaker 1: Money podcast from maybe somewhere else, But there was something

189
00:09:08,000 --> 00:09:10,040
Speaker 1: along the lines of whatever, is it being tracked? Is

190
00:09:10,040 --> 00:09:12,960
Speaker 1: it being managed? And I just remember hearing that and

191
00:09:13,000 --> 00:09:16,160
Speaker 1: continuing relation to me that doesn't sound like something.

192
00:09:17,640 --> 00:09:21,599
Speaker 2: I'm sorry, like I'm sorry, not sorry. But at the

193
00:09:21,640 --> 00:09:24,360
Speaker 2: same time, I think it's a good thing to kind

194
00:09:24,360 --> 00:09:25,880
Speaker 2: of have a check in about, because it does sound

195
00:09:25,920 --> 00:09:28,520
Speaker 2: like you've got an epic amount of savings. But to

196
00:09:28,600 --> 00:09:31,360
Speaker 2: be more realistic, like, yes, not everyone can save one

197
00:09:31,400 --> 00:09:33,520
Speaker 2: hundred thousand dollars, but just because you've saved a hundred

198
00:09:33,520 --> 00:09:37,400
Speaker 2: thousand dollars doesn't mean you're absolute legend at money in

199
00:09:37,480 --> 00:09:41,520
Speaker 2: cashlow and budgeting always. But hey, I was saying mister

200
00:09:41,600 --> 00:09:44,679
Speaker 2: Ryan before about your money diary that I'm pretty sure

201
00:09:44,679 --> 00:09:46,360
Speaker 2: I know where all your money is going, and it's

202
00:09:46,400 --> 00:09:51,240
Speaker 2: asked right into savings, my friend. Yeah, So if we

203
00:09:51,360 --> 00:09:53,520
Speaker 2: forced you to give yourself a grade, what would you

204
00:09:53,600 --> 00:09:54,640
Speaker 2: grade yourself?

205
00:09:55,320 --> 00:09:58,520
Speaker 1: If I had to give myself a grade, I'd probably

206
00:09:58,720 --> 00:10:03,760
Speaker 1: say bebe plus. I feel like I have some good

207
00:10:04,000 --> 00:10:06,640
Speaker 1: money habits in the form of being a conscious spender

208
00:10:06,840 --> 00:10:09,120
Speaker 1: and just saving money in general, because I do with

209
00:10:09,200 --> 00:10:14,080
Speaker 1: a pretty frugal lifestyle. But I know I definitely have

210
00:10:14,240 --> 00:10:18,320
Speaker 1: some areas of improvement in terms of cash flow management

211
00:10:18,360 --> 00:10:21,040
Speaker 1: and also top ups to my investment portfolio as well,

212
00:10:21,040 --> 00:10:24,760
Speaker 1: and turning that investment side of things into a money

213
00:10:24,760 --> 00:10:27,480
Speaker 1: habit rather than having an ad hop type of approach

214
00:10:27,600 --> 00:10:27,840
Speaker 1: to it.

215
00:10:28,200 --> 00:10:30,120
Speaker 2: I like that, and then like that your justification is

216
00:10:30,160 --> 00:10:32,200
Speaker 2: a quiet sound. But Ryan and I looking at each

217
00:10:32,200 --> 00:10:34,640
Speaker 2: other across the desk in a twenty four year old

218
00:10:34,640 --> 00:10:36,640
Speaker 2: who saved one hundred thousand dollars one hundred and twenty

219
00:10:36,640 --> 00:10:41,480
Speaker 2: thousand dollars and has Team K invested, reading themselves as

220
00:10:41,480 --> 00:10:42,600
Speaker 2: a B plus, I'm not.

221
00:10:42,559 --> 00:10:44,439
Speaker 3: Gonna lieb people up the wrong way.

222
00:10:44,920 --> 00:10:48,200
Speaker 2: That the wrong way, but that is okay. Everybody is different,

223
00:10:48,240 --> 00:10:50,120
Speaker 2: and I think that, you know what, like at the

224
00:10:50,120 --> 00:10:52,559
Speaker 2: same time as people being like, oh my gosh, no,

225
00:10:52,640 --> 00:10:54,600
Speaker 2: she'd be an a like you've got things that you

226
00:10:54,640 --> 00:10:57,600
Speaker 2: want to change personally, and like we could never put

227
00:10:57,640 --> 00:11:01,920
Speaker 2: a grade on you ourselves. So Ryan, just before we

228
00:11:02,080 --> 00:11:05,360
Speaker 2: head into having a really great conversation with you about

229
00:11:05,400 --> 00:11:08,080
Speaker 2: your money diary, we will just slip in a little

230
00:11:08,120 --> 00:11:12,920
Speaker 2: word from our sponsors.

231
00:11:15,720 --> 00:11:18,200
Speaker 3: We've just heard details from the twenty four year old

232
00:11:18,200 --> 00:11:20,600
Speaker 3: with one hundred thousand dollars in savings, and it's actually

233
00:11:20,600 --> 00:11:24,079
Speaker 3: one hundred thousand dollars plus in savings one hundred and twenty.

234
00:11:23,840 --> 00:11:25,679
Speaker 2: It's like one hundred and twenty and then a ten

235
00:11:25,720 --> 00:11:26,640
Speaker 2: thousand dollars.

236
00:11:26,760 --> 00:11:28,400
Speaker 3: How often do you do you check it every day?

237
00:11:28,559 --> 00:11:29,679
Speaker 3: If I had that much money in the bank, I

238
00:11:29,720 --> 00:11:31,120
Speaker 3: would look at it every day. Do you look at

239
00:11:31,120 --> 00:11:31,840
Speaker 3: it that often?

240
00:11:32,240 --> 00:11:34,760
Speaker 1: I do not look at it that often. If I

241
00:11:34,800 --> 00:11:37,280
Speaker 1: need to transfer money from my life's savings accounts my

242
00:11:37,360 --> 00:11:40,000
Speaker 1: every day. So that's probably the only Honday I really

243
00:11:40,360 --> 00:11:42,440
Speaker 1: kind of see it. Other than that, I just believe

244
00:11:42,440 --> 00:11:42,760
Speaker 1: it there.

245
00:11:43,200 --> 00:11:46,480
Speaker 3: So I'm curious to know, and I'll get these thoughts

246
00:11:46,520 --> 00:11:46,880
Speaker 3: as well.

247
00:11:46,960 --> 00:11:47,920
Speaker 2: I've got so many questions.

248
00:11:48,040 --> 00:11:51,160
Speaker 3: Yeah, with one hundred and twenty thousand dollars in savings,

249
00:11:51,160 --> 00:11:54,120
Speaker 3: and obviously at the moment the interest rates aren't that high,

250
00:11:54,280 --> 00:11:57,920
Speaker 3: have you considered moving that money into investments or other

251
00:11:58,000 --> 00:12:00,559
Speaker 3: areas of your life or why is it that it's

252
00:12:00,559 --> 00:12:02,320
Speaker 3: just sitting there in the savings account.

253
00:12:02,920 --> 00:12:07,040
Speaker 1: So I've been looking at purchasing my first property. Actually

254
00:12:07,120 --> 00:12:09,680
Speaker 1: I went to a house inspection last Saturday and an

255
00:12:09,720 --> 00:12:13,679
Speaker 1: apartment infection. So something I'm interested in doing getting into

256
00:12:14,760 --> 00:12:17,360
Speaker 1: purchasing my first property, is that they're at the same time.

257
00:12:18,160 --> 00:12:21,520
Speaker 1: I think it's just because it's such a big purchase.

258
00:12:21,880 --> 00:12:25,360
Speaker 1: I'm really I guess I'll be apprehensive about kind of

259
00:12:25,880 --> 00:12:28,559
Speaker 1: laying that much down even for a deposit for a

260
00:12:28,600 --> 00:12:30,880
Speaker 1: piece of property, and I feel like it's so daunting,

261
00:12:31,000 --> 00:12:33,200
Speaker 1: and I feel like, as well, I still have so

262
00:12:33,320 --> 00:12:35,040
Speaker 1: much more to learn, and I know I'll never get

263
00:12:35,080 --> 00:12:38,640
Speaker 1: to that perfect level and full complete understanding. But I

264
00:12:38,640 --> 00:12:41,200
Speaker 1: think it's because it's such a big ticket purchase.

265
00:12:41,360 --> 00:12:45,960
Speaker 2: But I am seeing what's on the market. I like that.

266
00:12:46,800 --> 00:12:50,800
Speaker 2: So can you just be like, really pervy, how much

267
00:12:50,800 --> 00:12:54,240
Speaker 2: are you saving every week? What's your take on savings?

268
00:12:54,280 --> 00:12:56,600
Speaker 2: And how did you, at twenty four get to one

269
00:12:56,679 --> 00:12:58,800
Speaker 2: hundred and twenty thousand dollars in a savings account?

270
00:12:59,000 --> 00:13:01,240
Speaker 1: To be honest, I have no idea how much I've

271
00:13:01,280 --> 00:13:05,360
Speaker 1: put away in terms of savings each week after I

272
00:13:05,400 --> 00:13:08,199
Speaker 1: take out all my accepts and things like that, because

273
00:13:08,640 --> 00:13:12,439
Speaker 1: I still live at home and sify. My parents do

274
00:13:12,920 --> 00:13:15,320
Speaker 1: buy the groceries and things like that. So I'd say

275
00:13:15,480 --> 00:13:19,040
Speaker 1: I'm lucky to sense that my expenses are pretty minimal,

276
00:13:19,600 --> 00:13:24,520
Speaker 1: and I definitely acknowledge how privileged I am in that sense,

277
00:13:25,160 --> 00:13:28,600
Speaker 1: and I think on top of that, I live generally

278
00:13:28,720 --> 00:13:32,079
Speaker 1: a pretty frugal lifestyle as well, Like I don't, I don't.

279
00:13:32,160 --> 00:13:35,719
Speaker 1: I'm not too flashy when it comes to clothes and

280
00:13:35,840 --> 00:13:39,520
Speaker 1: bags and whatnot, even with things that I can makeup

281
00:13:39,600 --> 00:13:42,760
Speaker 1: and skincare and whatnot, Like I never wear makeup, so

282
00:13:42,800 --> 00:13:45,160
Speaker 1: I think that's one big expense that I don't have

283
00:13:45,240 --> 00:13:48,440
Speaker 1: to pay for on a regular basis. Skincare, I keep

284
00:13:48,480 --> 00:13:52,600
Speaker 1: it pretty basic, use a cleanser and a moisturizer and

285
00:13:52,800 --> 00:13:57,280
Speaker 1: that's pretty much it. And then in terms of even

286
00:13:57,760 --> 00:14:00,280
Speaker 1: they having no holidays as well as helped with saving

287
00:14:00,280 --> 00:14:01,840
Speaker 1: money because I can't know we go anywhere.

288
00:14:02,600 --> 00:14:04,160
Speaker 3: A lot of people have found out with COVID that

289
00:14:04,200 --> 00:14:07,720
Speaker 3: it's been forced savings and they've actually ended up a

290
00:14:07,720 --> 00:14:10,200
Speaker 3: lot better off than they might have absolutely.

291
00:14:09,760 --> 00:14:12,240
Speaker 1: And I think, yeah, that's definitely helped my group of

292
00:14:12,280 --> 00:14:14,760
Speaker 1: friends as well. We're pretty low key when it comes

293
00:14:14,800 --> 00:14:17,280
Speaker 1: to hanging out, like we're not. We don't do anything

294
00:14:17,360 --> 00:14:19,760
Speaker 1: super flash, like we might go out for dinners and

295
00:14:20,080 --> 00:14:23,120
Speaker 1: things like that, but other than that, we find quality

296
00:14:23,160 --> 00:14:26,280
Speaker 1: time just spent just hanging out of someone's apartment or

297
00:14:26,280 --> 00:14:27,360
Speaker 1: something like that, or they're flat.

298
00:14:27,560 --> 00:14:29,760
Speaker 3: Well you're hanging out of a friend's house right now, Yeah,

299
00:14:30,720 --> 00:14:31,160
Speaker 3: pretty much.

300
00:14:31,280 --> 00:14:33,120
Speaker 1: Yeah, So we don't really go up like we do

301
00:14:33,280 --> 00:14:35,760
Speaker 1: go out occasionally to fell thems, you celebrate and just

302
00:14:35,800 --> 00:14:38,000
Speaker 1: treat ourselves. But in terms of spending cool, we do

303
00:14:38,080 --> 00:14:41,080
Speaker 1: time together just hanging out at someone's places all we need.

304
00:14:41,400 --> 00:14:43,880
Speaker 1: I definitely knowledged sometimes you know, if you your friends

305
00:14:43,880 --> 00:14:45,840
Speaker 1: doom with a bougie lifestyle, you do feel like you

306
00:14:45,880 --> 00:14:47,600
Speaker 1: need to keep up with the Joneses a little bit.

307
00:14:48,360 --> 00:14:50,880
Speaker 1: So yeah, I think I'm fortunate that. Yeah, my friend

308
00:14:50,960 --> 00:14:54,840
Speaker 1: group with we're a pretty chill, low key bunch, and

309
00:14:54,920 --> 00:14:56,080
Speaker 1: I think that's helped her as well.

310
00:14:56,160 --> 00:14:59,000
Speaker 3: With savings, Victoria, how much do you think you've spent

311
00:14:59,200 --> 00:15:03,240
Speaker 3: on beauty, makeup, skincare in your life?

312
00:15:03,320 --> 00:15:06,400
Speaker 2: I agreed to do a podcast not to be personally

313
00:15:06,480 --> 00:15:08,240
Speaker 2: victimized by Ryan john Well.

314
00:15:08,280 --> 00:15:10,080
Speaker 3: I just find a lot of and it's such a

315
00:15:10,120 --> 00:15:12,240
Speaker 3: do thing to say, but a lot of people spend

316
00:15:12,520 --> 00:15:14,280
Speaker 3: like it's a really expensive, crazy industry.

317
00:15:14,280 --> 00:15:16,560
Speaker 2: I'm not gonna lie. I spend a lot on skincare

318
00:15:16,800 --> 00:15:20,640
Speaker 2: as someone who had acne as a teenager and literally

319
00:15:20,800 --> 00:15:23,760
Speaker 2: till I was like twenty six or twenty seven. Skincare

320
00:15:23,800 --> 00:15:25,560
Speaker 2: has always been something I've spent a lot of money on,

321
00:15:25,760 --> 00:15:28,240
Speaker 2: So I think that it's naive of me to say, like, oh,

322
00:15:28,280 --> 00:15:31,960
Speaker 2: everyone can save the same, because genuinely, my confidence was

323
00:15:32,120 --> 00:15:35,320
Speaker 2: based on the skincare I would purchase because I just

324
00:15:35,360 --> 00:15:37,560
Speaker 2: feel so much better if I didn't, you know, have

325
00:15:37,640 --> 00:15:39,720
Speaker 2: the acne that was there. Yeah, so I think it's

326
00:15:39,880 --> 00:15:42,520
Speaker 2: I think it's important to acknowledge that. But also I

327
00:15:42,560 --> 00:15:45,120
Speaker 2: think what I'm hearing from you as well is that

328
00:15:45,160 --> 00:15:49,160
Speaker 2: you're surrounded by like minded people and that actually helps

329
00:15:49,360 --> 00:15:51,600
Speaker 2: so much to be on the same page and have

330
00:15:51,680 --> 00:15:54,320
Speaker 2: good savings habits. Would you say that your friends are

331
00:15:54,480 --> 00:15:56,400
Speaker 2: you know, similar in when it comes to saving.

332
00:15:56,800 --> 00:15:59,200
Speaker 1: Yeah, I think it definitely helps being strounded by like

333
00:15:59,280 --> 00:16:02,720
Speaker 1: minded people and in terms of savings habits and things

334
00:16:02,760 --> 00:16:04,960
Speaker 1: like that. Yeah, I think I think my friends are

335
00:16:04,960 --> 00:16:08,240
Speaker 1: pretty good at saving based from what I know. At least,

336
00:16:08,400 --> 00:16:12,800
Speaker 1: I've never seen my friends go nuts on spending crazy

337
00:16:12,840 --> 00:16:16,400
Speaker 1: amounts of cash on really frivolous things all the time.

338
00:16:17,160 --> 00:16:19,880
Speaker 3: What I loved is when you said, when you're considering

339
00:16:19,920 --> 00:16:23,560
Speaker 3: a purchase, you think to yourself, will purchasing this make

340
00:16:23,680 --> 00:16:26,640
Speaker 3: me happier, and it seems like that's a really cool thing.

341
00:16:26,680 --> 00:16:28,560
Speaker 3: It seems like such a simple thing to ask, but

342
00:16:28,840 --> 00:16:31,320
Speaker 3: ay be quite powerful. And b I'm guessing it's had

343
00:16:31,360 --> 00:16:33,480
Speaker 3: a huge impact on you being able to save as

344
00:16:33,560 --> 00:16:34,040
Speaker 3: much as you have.

345
00:16:34,320 --> 00:16:37,400
Speaker 1: Yeah, I think it's I'd say that I've really only

346
00:16:37,440 --> 00:16:43,000
Speaker 1: started asking myself that question recently. I think having watched

347
00:16:43,000 --> 00:16:46,480
Speaker 1: like a couple of documentaries on industries like fast fashion

348
00:16:46,560 --> 00:16:48,680
Speaker 1: and things like that, I really learned that, you know,

349
00:16:48,840 --> 00:16:51,680
Speaker 1: sometimes when I do have those cravings, it's just I'm

350
00:16:51,680 --> 00:16:53,960
Speaker 1: just really after a bit of a dopamine hit, right,

351
00:16:54,240 --> 00:16:57,920
Speaker 1: and that I don't need to buy stuff to fulfill

352
00:16:57,960 --> 00:17:01,480
Speaker 1: that void. Back and think, oh, even if I had

353
00:17:01,520 --> 00:17:03,280
Speaker 1: bought that dress, I don't think, you know, I would

354
00:17:03,280 --> 00:17:05,720
Speaker 1: have really enjoyed it. Probably would in the first way,

355
00:17:05,760 --> 00:17:08,199
Speaker 1: but then afterwards it's a bit like, oh, you know,

356
00:17:08,640 --> 00:17:11,119
Speaker 1: kind of get over it a little bit. That's true.

357
00:17:11,200 --> 00:17:13,280
Speaker 2: That is so so true, And I think that level

358
00:17:13,280 --> 00:17:16,720
Speaker 2: of introspection is something really rare in someone so young.

359
00:17:17,000 --> 00:17:18,959
Speaker 2: I know, when I was twenty four, I wasn't thinking

360
00:17:19,000 --> 00:17:21,080
Speaker 2: like is this purchase going to make me happier? Am

361
00:17:21,119 --> 00:17:23,159
Speaker 2: I doing the right thing for me? Like? What are

362
00:17:23,200 --> 00:17:25,360
Speaker 2: my goals. Like, I wasn't thinking that way at all,

363
00:17:25,440 --> 00:17:28,080
Speaker 2: So when I meet people who do think that way,

364
00:17:28,119 --> 00:17:30,320
Speaker 2: I'm always like, Wow, how cool would have been if

365
00:17:30,320 --> 00:17:32,120
Speaker 2: I did that when I was younger? At the same

366
00:17:32,160 --> 00:17:34,160
Speaker 2: time as knowing that my money story is my money

367
00:17:34,280 --> 00:17:36,320
Speaker 2: story and like, I'm just on my own journey, So

368
00:17:36,680 --> 00:17:39,840
Speaker 2: that's actually awesome. Do you think that growing up? Did

369
00:17:39,840 --> 00:17:42,080
Speaker 2: your parents teach you that or is that something that

370
00:17:42,119 --> 00:17:44,920
Speaker 2: you just have always had ingrained in you, Like my.

371
00:17:44,920 --> 00:17:48,120
Speaker 1: Parents never really taught me, but I think just watching

372
00:17:48,200 --> 00:17:50,879
Speaker 1: them and being around them and seeing how they spend

373
00:17:51,119 --> 00:17:56,600
Speaker 1: their money has definitely influenced me. They haven't directly influenced me,

374
00:17:56,680 --> 00:17:58,680
Speaker 1: but it's more so in an indirect way.

375
00:17:58,960 --> 00:18:01,840
Speaker 2: Yeah, that's really cool. Growing up, were they just having

376
00:18:01,880 --> 00:18:04,520
Speaker 2: money conversations around the dinner table or was it something

377
00:18:04,560 --> 00:18:07,080
Speaker 2: a bit more hush hush? Is that how you've become

378
00:18:07,119 --> 00:18:07,960
Speaker 2: so open with it.

379
00:18:08,440 --> 00:18:11,280
Speaker 1: We didn't really have open conversations or about it around

380
00:18:11,280 --> 00:18:14,840
Speaker 1: the dinner table. It wasn't hush hush either. I'd say

381
00:18:16,560 --> 00:18:19,920
Speaker 1: I'm pretty open about talking about my finances to my

382
00:18:20,280 --> 00:18:23,159
Speaker 1: family and my really close friends. I think it's important

383
00:18:23,480 --> 00:18:26,440
Speaker 1: to help one another, and it helps to talk about it,

384
00:18:26,680 --> 00:18:28,560
Speaker 1: even like when it comes to work and things like that,

385
00:18:28,600 --> 00:18:31,879
Speaker 1: to know how much rocker you should be asking for

386
00:18:32,560 --> 00:18:34,639
Speaker 1: in terms of salary and things like that. And also

387
00:18:34,880 --> 00:18:37,600
Speaker 1: it's a good way to educate yourself and learn from

388
00:18:37,600 --> 00:18:40,919
Speaker 1: other people as well. It's never about bragging or anything

389
00:18:40,960 --> 00:18:44,000
Speaker 1: like that. That's certainly not my objective of being open

390
00:18:44,040 --> 00:18:46,400
Speaker 1: about it at all, but I think, yeah, it's definitely

391
00:18:46,920 --> 00:18:49,840
Speaker 1: just that sharing of information.

392
00:18:49,720 --> 00:18:53,080
Speaker 3: Or knowledge is power when you're trying to exactly employer

393
00:18:53,160 --> 00:18:56,480
Speaker 3: or something like that. Yeah, question you mentioned buying a house.

394
00:18:56,760 --> 00:18:59,359
Speaker 3: We read that you wanted to leave your hipster dreams

395
00:18:59,359 --> 00:19:03,440
Speaker 3: and live in the Inner West of Sydney. How much

396
00:19:03,520 --> 00:19:06,240
Speaker 3: and this isn't a knowledge question but just a curiosity

397
00:19:06,240 --> 00:19:08,800
Speaker 3: because we don't live in Sydney. How much is it

398
00:19:09,040 --> 00:19:13,600
Speaker 3: for a smallish two bedroom, you know, in Inverticoma's first

399
00:19:13,600 --> 00:19:15,400
Speaker 3: home in the Inner West in Sydney.

400
00:19:16,119 --> 00:19:19,000
Speaker 1: So most of the properties that I've kind of looked

401
00:19:19,040 --> 00:19:23,000
Speaker 1: at in the Inner West properly around about seven hundred

402
00:19:23,400 --> 00:19:25,280
Speaker 1: thousand dollars and upwards.

403
00:19:25,520 --> 00:19:27,000
Speaker 3: And what do you get at what do you get

404
00:19:27,000 --> 00:19:27,680
Speaker 3: for seven hundred?

405
00:19:29,240 --> 00:19:31,320
Speaker 1: Yeah, So most of the properties that I've looked at,

406
00:19:31,359 --> 00:19:36,520
Speaker 1: which are around seven hundred thousand, two bedrooms, one bathroom

407
00:19:36,600 --> 00:19:41,240
Speaker 1: and one car park. And they're around yeah, so anywhere

408
00:19:41,280 --> 00:19:44,720
Speaker 1: along I guess the in West train line as we

409
00:19:44,800 --> 00:19:52,320
Speaker 1: call it. So yeah, it's it's you know. I was

410
00:19:52,359 --> 00:19:55,320
Speaker 1: looking at property prices in Melbourne because my wife has

411
00:19:55,359 --> 00:19:57,760
Speaker 1: an office in Melbourne as well, and I was just like, oh, okay,

412
00:19:57,840 --> 00:20:01,080
Speaker 1: there still wateringly high price. I think I think it's

413
00:20:01,560 --> 00:20:06,480
Speaker 1: more affordable. Yeah.

414
00:20:06,680 --> 00:20:08,560
Speaker 3: Can I tell you something that'll annoy the both of you?

415
00:20:08,840 --> 00:20:09,199
Speaker 2: Okay.

416
00:20:09,760 --> 00:20:12,760
Speaker 3: The first my first, my first house that I bought

417
00:20:12,920 --> 00:20:15,119
Speaker 3: was in Bundury, which was a few hours south of

418
00:20:15,200 --> 00:20:17,720
Speaker 3: Perth in Western Australias, where I met my now wife

419
00:20:17,720 --> 00:20:21,720
Speaker 3: Bridge It hey, now, why thank you? It's a purchase

420
00:20:21,800 --> 00:20:25,280
Speaker 3: on the beach, right on the beach, two bedrooms, one bathroom,

421
00:20:25,400 --> 00:20:31,879
Speaker 3: two hundred and ten thousand. Sorry. One of our producers, Jess,

422
00:20:31,880 --> 00:20:33,480
Speaker 3: just looked at me and whispered, get.

423
00:20:36,600 --> 00:20:37,520
Speaker 2: She's so classy.

424
00:20:37,560 --> 00:20:37,880
Speaker 3: I love.

425
00:20:38,000 --> 00:20:40,120
Speaker 2: Yeah, she's from the west here in Melbourne.

426
00:20:41,520 --> 00:20:44,439
Speaker 3: What's does that hurt your soul to hear money? Dirist?

427
00:20:45,000 --> 00:20:47,440
Speaker 1: It's my it does well?

428
00:20:48,560 --> 00:20:51,880
Speaker 2: Can you imagine no get in the bin?

429
00:20:52,040 --> 00:20:55,040
Speaker 3: Yeh. The stand duty was like an extra three grand

430
00:20:55,600 --> 00:21:02,240
Speaker 3: Oh my god. Wow, all right, the is it anything else?

431
00:21:02,280 --> 00:21:04,399
Speaker 3: We want to ask our money Dice, because thank you

432
00:21:04,440 --> 00:21:06,800
Speaker 3: so much for sharing so much. It's been enlightening and

433
00:21:06,920 --> 00:21:07,600
Speaker 3: very impressive.

434
00:21:07,720 --> 00:21:10,199
Speaker 2: Yeah, you're fun to talk too, so thank you so

435
00:21:10,400 --> 00:21:12,760
Speaker 2: much for coming on. I think you've given us so

436
00:21:12,840 --> 00:21:16,080
Speaker 2: much information and it's just been a really interesting story

437
00:21:16,119 --> 00:21:19,800
Speaker 2: to hear, especially because you don't exactly know how you've

438
00:21:19,840 --> 00:21:22,760
Speaker 2: done it. You've just you know, always been a good saver.

439
00:21:22,960 --> 00:21:26,679
Speaker 2: And obviously from little habits, big things grow, and you know,

440
00:21:26,760 --> 00:21:30,240
Speaker 2: obviously being surrounded by like minded people is really important

441
00:21:30,280 --> 00:21:32,560
Speaker 2: as well. And yeah, I love it.

442
00:21:32,359 --> 00:21:34,480
Speaker 1: If they're often talking to you guys. Thank you for

443
00:21:34,560 --> 00:21:34,960
Speaker 1: having me.

444
00:21:35,000 --> 00:21:38,679
Speaker 2: On, Thanks for coming friend, have a beautiful rest of

445
00:21:38,720 --> 00:21:41,879
Speaker 2: the day. All right, So it is now time to

446
00:21:41,880 --> 00:21:44,040
Speaker 2: wrap the show. Just before we head off, we'd like

447
00:21:44,080 --> 00:21:47,000
Speaker 2: to acknowledge and pay respects to Australia's Aboriginal and Torres

448
00:21:47,000 --> 00:21:50,040
Speaker 2: Strait island of people, the traditional Claustradians at the lands,

449
00:21:50,080 --> 00:21:53,119
Speaker 2: waterways and skies all across Australia. We thank you for

450
00:21:53,160 --> 00:21:55,040
Speaker 2: sharing and the caring for the land on which we

451
00:21:55,080 --> 00:21:57,479
Speaker 2: are able to learn. We pay our respects to elders

452
00:21:57,520 --> 00:22:01,240
Speaker 2: past and present and we share our friendship and our home. Now, guys,

453
00:22:01,320 --> 00:22:03,720
Speaker 2: keep in mind that the advice shared on She's on

454
00:22:03,760 --> 00:22:06,400
Speaker 2: the Money is general in nature and does not consider

455
00:22:06,440 --> 00:22:09,960
Speaker 2: your individual circumstances. She's on the Money exists purely for

456
00:22:10,080 --> 00:22:12,520
Speaker 2: educational purposes and should not be relied upon to make

457
00:22:12,560 --> 00:22:15,359
Speaker 2: an investment or a financial decision. And we do promise

458
00:22:15,400 --> 00:22:18,960
Speaker 2: I am actually an authorized representative of Australia Pacific Funds

459
00:22:18,960 --> 00:22:22,880
Speaker 2: Management Proprietary Limited ABN three four one three two four

460
00:22:22,960 --> 00:22:26,560
Speaker 2: six three two five seven AFOSL three three nine one

461
00:22:26,800 --> 00:22:30,119
Speaker 2: five one. And again thanks to Ryan John and Tobeck,

462
00:22:30,200 --> 00:22:33,600
Speaker 2: our producing legends who whip this show into the show

463
00:22:33,640 --> 00:22:34,080
Speaker 2: that it is.

464
00:22:34,280 --> 00:22:36,160
Speaker 3: Yep. If you've got a great story that you think

465
00:22:36,200 --> 00:22:39,520
Speaker 3: the community would appreciate, Seman, email Ryan dot John at

466
00:22:39,520 --> 00:22:41,840
Speaker 3: She's on the Money dot com dot au and maybe

467
00:22:41,880 --> 00:22:43,919
Speaker 3: you or someone you know can be on an episode

468
00:22:43,920 --> 00:22:44,399
Speaker 3: in the future.

469
00:22:44,680 --> 00:22:46,680
Speaker 2: Thanks for joining friends, See you next week.