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

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Speaker 1: that makes personal finance fun, especially on Fridays. It is

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Speaker 1: our favorite day of the week because we get our

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Speaker 1: team together to celebrate you. How beautiful She's on the

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Speaker 1: Money community ms Jascarrici, she's here and she's going to

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Speaker 1: be sharing her favorite money wins and confessions from the

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Speaker 1: She's on the Money Facebook group. Miss Bech Sayed is

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Speaker 1: here and she is back with a number of very

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Speaker 1: good broke tips. And this week we're going to be

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Speaker 1: helping to answer a money dilemma, which is about whether

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Speaker 1: opening a joint investment account is a good idea and

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Speaker 1: something that you slid into our dms about how to

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Speaker 1: protect yourself when your partner has a gambling addiction, which

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Speaker 1: I think is a really important one to talk about

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Speaker 1: before we get there. How have your week's been, Miss

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Speaker 1: bechs Sayed.

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Speaker 2: My week has been lovely.

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Speaker 3: I'm back home and I know that a lot of people

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Speaker 3: get like post holiday blues, but I get post holiday

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Speaker 3: elation because.

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Speaker 4: I think that I thank you.

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Speaker 3: It's just like and I don't really have a routine,

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Speaker 3: but I just think like not having to have like

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Speaker 3: dirty clothes in your bag and.

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Speaker 2: Just like things are organized again.

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Speaker 3: Also, being away from my friends for a week is

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Speaker 3: actually really hard. I know it sounds silly, but it

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Speaker 3: is really hard to not see people for that long.

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Speaker 2: It's only a week.

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Speaker 3: I don't know how I go traveling longer, but for context,

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Speaker 3: I just came here from one week holiday in Thailand.

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Speaker 3: I could see myself going back, but not for a

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Speaker 3: long time. I think I need to clean on my

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Speaker 3: clothes and just get organized again.

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Speaker 2: But no, really good week. What about you good?

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Speaker 4: I'm very jealous. I'd love to go to Thailand. It's

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Speaker 4: on my list. But I have been just getting into

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Speaker 4: the Halloween spirits.

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Speaker 1: Yeah why sure, you guys know she's been sending me

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Speaker 1: dms about Halloween purchases.

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Speaker 4: Yes I have. I did start because that's when all

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Speaker 4: the good stuff comes out. You got to get it

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Speaker 4: all so cute.

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Speaker 5: But yes, I like to get, as you guys know,

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Speaker 5: as much mileage out of my celebration.

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Speaker 1: And the second Halloween is done, I believe she puts

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Speaker 1: her Christmas tree.

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Speaker 5: Up absolutely, so we're getting a full month and a

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Speaker 5: half of the Halloween goodness.

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Speaker 1: Yeah no like, no no shade, no judgment. I love

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Speaker 1: this for you. Also, Jess always makes Halloween treats and yes,

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Speaker 1: spooky treat We love you for us forward. Yes, yeah,

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Speaker 1: I mean that's my highlight of the week is knowing

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Speaker 1: that Jess is planning all of her holiday treats. I

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Speaker 1: would like to request those spiders that you made last year.

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Speaker 1: Oh yeah, like the ones with the noodles, the noodle

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Speaker 1: chocolate spider things. They were a ten out of ten.

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Speaker 1: Think you put sprinkles on them, and the sprinkles were

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Speaker 1: very well placed but also very delicious. So yeah, every

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Speaker 1: year literally just does that. Now I can't think about

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Speaker 1: anything except for the fact that she made these awesome

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Speaker 1: chocolates that one time. My week has been chaotic. Honestly,

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Speaker 1: I feel like it's already December. I know it's not.

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Speaker 1: It's September, but like it feels like December at this

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Speaker 1: point in time, and I just I feel like this

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Speaker 1: year's gotten away from me. If you said, oh, yeah,

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Speaker 1: it's March thirty first, and I was a little bit tired,

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Speaker 1: I would not blink yeah, like I'd be like, yeah,

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Speaker 1: of course it is.

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Speaker 4: That's so funny, do you know what I mean? Like

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Speaker 4: gone weird? This year?

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Speaker 1: Time is absolutely flying and that's so good, but like

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Speaker 1: so chaotic and like we're still living at the beach

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Speaker 1: and like driving back up and down, So it's quite

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Speaker 1: quite a lot. But that's not a complaint. So should

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Speaker 1: we do a little five star review before we get

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Speaker 1: into their breake tips and your money wins? Yes, alright,

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Speaker 1: sit down, strap in, because we have one from Megan.

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Speaker 1: Meghan says, I'm an OG listener, but I'm still learning.

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Speaker 1: I've been listening since the first episode was launched, and

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Speaker 1: often refer back to old episodes even after all bes years.

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Speaker 1: Such an easy to understand way of learning about finances,

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Speaker 1: excepting where you are out and creating a plan to

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Speaker 1: move forward. Highly recommend to anyone wanting to make a

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Speaker 1: difference and set themselves up for success. Geez, yes, are

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Speaker 1: so nice, but please don't go back and listen to

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Speaker 1: the old episodes. I'm a changed person in the paris

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Speaker 1: of those episodes.

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Speaker 4: Theres some gems.

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Speaker 1: Yeah, you're nice, but like you weren't on the first season,

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Speaker 1: so you didn't have to go through the like trial

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Speaker 1: by fire of not knowing what the heck you were

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Speaker 1: doing and sitting on the floor with a microphone and

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Speaker 1: a sock. But and like, I just feel like the

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Speaker 1: quality of the first few episodes just isn't what it is. Now.

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Speaker 4: We've grown, you know, and that's good being pe sock.

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Speaker 1: Yeah, we've glowed up.

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Speaker 2: Yeah, that's cool.

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Speaker 1: We're proud of where we've come from.

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Speaker 2: I'm proud of where you've come from.

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Speaker 1: Yeah, I would be too, honestly looking at that journey anyway.

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Speaker 1: With Jessic Gorici, what are your money wins and confessions?

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Speaker 5: Alrighty mostly this week, I've got one from Lauren, who

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Speaker 5: said she put her health insurance into AI and asked

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Speaker 5: it to help her make the most of her cover.

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Speaker 5: It helped her to figure out what appointments she should

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Speaker 5: book to ensure that she's getting the most out of

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Speaker 5: her money for you know, obviously you pay for cover,

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Speaker 5: but people don't always use everything. So she said that

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Speaker 5: it gave her like a really good breakdown of what

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Speaker 5: she should use and what she could do and with

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Speaker 5: all the different things from a premium, I thought it

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Speaker 5: was very clever. Next, I've got a money win from Kristen,

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Speaker 5: who said her twelve year old microwave had a recall

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Speaker 5: on it, so you're getting a brand new one.

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Speaker 2: Oh my god.

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Speaker 1: Cool.

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Speaker 2: Would we love wild after twelve years?

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Speaker 1: Is that crad that's actually insane. I would have thought

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Speaker 1: that it was out of warranty, But if it's a

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Speaker 1: safety issue, I guess they're responsible forever, not just like, oh,

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Speaker 1: it died, which is kind.

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Speaker 4: Of nice to know that. That's makes me nice years

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Speaker 4: to check it it. Next, I've got a.

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Speaker 5: Money win from Jessica, who said she's excellent name scored

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Speaker 5: her fourth too Good to Go surprise bag for Baker's Delight.

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Speaker 5: She said, ten dollars for so many items, and what

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Speaker 5: she's done is she's popped them aside for school lunches.

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Speaker 1: For the week.

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Speaker 4: That's actually sight, which I always genius.

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Speaker 1: I now have an eighteen month old who is absolutely

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Speaker 1: obsessed with the Apple Scrolls Bakers. Yeah, and like it

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Speaker 1: makes sense if I'm at the supermarket or whatever and

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Speaker 1: I'm like, oh, I need to get Harvey like an

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Speaker 1: afternoon snack, and I don't want to like get him

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Speaker 1: a sugary whatever. I feel like an Apple Scrolls mainly

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Speaker 1: bred and like the anyway he flaps his arm. She's

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Speaker 1: so excited, like like as we walk up to Baker's Delight,

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Speaker 1: and it's now become a thing because I buy my

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Speaker 1: like just daily bread. There he like looks at it

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Speaker 1: and flaps his hands, and I'm like, how do I

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Speaker 1: not like, how do you not get in the little scrut? Like, guys,

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Speaker 1: can you please start making mini versions because like an

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Speaker 1: eighteen month old holding this scroll, but he knocks the

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Speaker 1: whole thing off. I don't know how.

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Speaker 2: Oh my god, so excited.

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Speaker 5: Anyway, we love a little bakers size treat absolutely. Next,

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Speaker 5: I've got a money in from Anna, who said a

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Speaker 5: friend of hers is moving out for the first time

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Speaker 5: and they ask for help with budgeting, so she sent

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Speaker 5: them that she's on the money budget, which her and

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Speaker 5: her partner loved. And so now her friend is listening

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Speaker 5: to the audio book she's gotten up based on her

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Speaker 5: suggestion to help with the budget breakdowns, and she's asking

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Speaker 5: how to work out all of the best for the

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Speaker 5: utilities for the new place. And Anna says she loves

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Speaker 5: being able to share what she learned through she's on

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Speaker 5: the money with her friends.

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Speaker 1: Gogea power of women. See I've never met a woman

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Speaker 1: who's been empowered that hasn't then gone on to empower

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Speaker 1: other women.

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Speaker 4: Go forth and the good word.

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Speaker 5: And then lastly, this week, I've got a money win

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Speaker 5: from Sheila, who said she swapped her prepaid plan to

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Speaker 5: Boost and got their one year of data for two

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Speaker 5: hundred and fifty dollars, plus.

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Speaker 4: She got thirty two dollars lush back.

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Speaker 5: Her current prepaid plan is thirty five dollars a month,

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Speaker 5: so she'll save around two hundred bucks a year.

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Speaker 1: That's such a good deal. Yeah, that's a great money win.

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Speaker 4: Yeah, that's it.

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Speaker 1: I love that. When it comes to broke tips, what

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Speaker 1: are you going to put on the table?

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Speaker 3: Well, actually, really quickly, the chat GPT or AI thing

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Speaker 3: reminded me, this isn't a broake tip.

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Speaker 2: This is a free one from back your broke.

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Speaker 1: Tip though, just tip, just tip.

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Speaker 2: My girlfriend uses chatty.

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Speaker 3: I don't use chat gpt for environmental but the way

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Speaker 3: I said, I'm like, if I'm not using it, that

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Speaker 3: frees someone else up to use it. But anyway, I

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Speaker 3: don't know if that's how it works. But my girlfriend

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Speaker 3: uses it to get like meal plans done because she

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Speaker 3: used to pay like eighty bucks a week for a

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Speaker 3: meal plan and.

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Speaker 1: So now she just asks chat geept and they do

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Speaker 1: it also.

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Speaker 3: Smart and then she says, organize this into a shopping

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Speaker 3: list and it does.

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Speaker 1: Stop her crazy. I Actually I love the fact that

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Speaker 1: AI can help us in such a good way. Yeah,

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Speaker 1: I know, there's like a whole host of like environmental

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Speaker 1: conversation to have around this, and on our investing episode. Actually,

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Speaker 1: I did an investing episode a couple of weeks ago.

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Speaker 1: I recorded it with Brooke and we're talking about like

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Speaker 1: shares that we were following, and I was talking about

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Speaker 1: an investment that is essentially creating AI opportunities without the

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Speaker 1: environmental impact, and that would be really exciting. But yeah,

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Speaker 1: I find it so helpful the fact that you could

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Speaker 1: go do like a really fancy meal plan that you

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Speaker 1: were paying so much for before, basically for free. Totally

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Speaker 1: like the idea that we can kind of upgrade and

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Speaker 1: glow up our lives on our own. Oh so good.

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Speaker 3: Yes, Like it takes a bit of that mental load, absolutely,

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Speaker 3: and it's like if it's free, you know, And sorry,

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Speaker 3: women already have so much mental load.

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Speaker 1: Yeah, Like I know that there's environmental impacts, but right

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Speaker 1: now we're just girls and we're just doing what we can.

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Speaker 5: Yeah.

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Speaker 2: Fully, so I think it's great.

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Speaker 3: So as for broke tips, the first one comes from

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Speaker 3: Marie Maurice's Cinemas members can enjoy ten dollar movie tickets

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Speaker 3: at Events Cinema at the Moment, which really reminded me

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Speaker 3: that this week I went to Lido.

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Speaker 1: Or I Love The Leader in Hawthorne. It was like

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Speaker 1: five dollars for a ticket and then vegan. It's made

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Speaker 1: with coconuts, go and salt, and it is so good.

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Speaker 1: Not that I'm vegan anymore, but I feel like I

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Speaker 1: have the responsibility that as a past vegan, I should

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Speaker 1: share all the vegan hacks and tips and tricks. They

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Speaker 1: do a vegan chock top.

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Speaker 4: Yeah, they do Billy Van creamy.

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Speaker 1: Oh my god, I love That's a great day.

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Speaker 2: It's my favorite ice cream shop. And they do a vegan.

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Speaker 1: Chuck top exactly right.

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Speaker 3: They also do ten dollar popcorn and drink, which I

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Speaker 3: feel like is a bargain.

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Speaker 1: Very good. They're very reasonable and very reasonable if you

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Speaker 1: go to The Leader, I believe once a month on

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Speaker 1: a Wednesday, they do comedy.

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Speaker 2: Oh course, so cute, right, and it's a really cool

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Speaker 2: cinema as well.

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Speaker 1: Gabby, who used to work for us, still goes to

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Speaker 1: comedy on like a Wednesday night occasionally, like really cheap

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Speaker 1: tickets because it's like local comedians and just like so cute.

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Speaker 1: That's a very little maybe date night for broke down

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Speaker 1: maybe day night.

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Speaker 2: Thank you.

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Speaker 3: The sex one come from someone named Jess, who also

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Speaker 3: is my girlfriend.

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Speaker 1: We've got a Jess on the show. You had a

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Speaker 1: money win from a Jess. A Jest now who is

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Speaker 1: your girlfriend? Who is going to give her a broad

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Speaker 1: tip because you always steal her stuff?

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Speaker 3: It is so she sent me this reel of this

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Speaker 3: girl who was showing us a Tony chocolatey Aldi version

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Speaker 3: that like four dollars.

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Speaker 2: I think your choco changer.

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Speaker 1: Yes, but isn't it made by the.

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Speaker 2: By Tony stuff? And it's four dollars?

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Speaker 1: That's a money win. I can't remember the last time

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Speaker 1: a chocolate was under five dollars. I know you guys.

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Speaker 1: Isn't it insane the fact that a block of chocolate

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Speaker 1: now has to crack a note to me, that's crazy.

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Speaker 1: Sorry that his eight dollars absolutely not that great crazy

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Speaker 1: but like five and stuff? That to me is insane

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Speaker 1: because I don't buy blocks of chocolate, like that's just

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Speaker 1: not how I'm going to do it, because I will

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Speaker 1: buy the family sized pack of like what are they

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Speaker 1: fun sized caramel like Wallace and smash all them. I'm

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Speaker 1: not going to waste it on a block, like sure, no,

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Speaker 1: that's not my circuit CARAMELI block. But if I'm cooking,

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Speaker 1: I'm like, oh okay, I'll buy like a block of

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Speaker 1: chocolate to spreader off the top of my caramel slice.

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Speaker 4: Well, I use it for a Rockie Road now.

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Speaker 1: For the office, or baking for friends, or baking for family,

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Speaker 1: or even just baking for your mental health is now

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Speaker 1: as much as therapy anyway.

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Speaker 2: So my one my boat tip, it's called Wonky Coffee.

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Speaker 3: I saw like a real on Instagram, and basically their

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Speaker 3: whole purpose is to reduce waste, but they do focus

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Speaker 3: on like coffee, so like espressopods and things like that.

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Speaker 3: So you might find like a box of one hundred

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Speaker 3: and espressopods. It's not super cheap, it's like between sixty

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Speaker 3: five to seventy five dollars, but I know that the

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Speaker 3: espressopods are like they can be up to like one

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Speaker 3: hundred dollars for a one hundred pack.

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Speaker 1: You know that's actually insane to me. Yeah, like the

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Speaker 1: idea that at like and I've never owned an espresso machine.

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Speaker 1: So maybe people who do can correct me. But like

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Speaker 1: when I the maths on it, I was like, this

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Speaker 1: is astronomical. Like I used to have the Audi coffee machine, which,

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Speaker 1: by the way, slaps their coffee amazing, the purple one,

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Speaker 1: the best one. Can't remember what number that is. But

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Speaker 1: then also I like upgraded. I had a Snag one,

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Speaker 1: but then I could buy the Levatza Pods. The Levatza

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Speaker 1: Pods good coffee, but also much cheaper than Espresso. Still

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Speaker 1: like I just yeah, okay, like don't get me wrong,

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Speaker 1: Like could I technically buy it and not be financially

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Speaker 1: impacted that much? Yes, I could. It's not the bloody

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Speaker 1: point though. I hate when things take the piece.

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Speaker 3: I know, Like well, and that's why I guess it's

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Speaker 3: good because it's like, you know, you might get a

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Speaker 3: bag of coffee beans that are just like could have

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Speaker 3: been thrown out. I know, that's kind of like compost

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Speaker 3: it's a bit different, but in Espresso pods, it's a

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Speaker 3: box of one hundred that are just like random ones

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Speaker 3: that have been It's like a lucky dip sort of situation.

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Speaker 3: It's like all the ones that are kind of not

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Speaker 3: going to be used or maybe thrown out or something.

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Speaker 2: They'll kind of like box it up and.

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Speaker 4: Their still in day and stuff.

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Speaker 2: They're yea all good, they're still good. They're just like bonky.

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Speaker 1: I kind of like that. It's like the odd Bunch

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Speaker 1: at the supermarket. People buy from the odd Bunch. I

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Speaker 1: believe Coles and Willies have their own version of like

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Speaker 1: the odd Bunch, But I always buy like my carrots

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Speaker 1: and my lemons and stuff that I'm like, sorry, it

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Speaker 1: doesn't matter if the carrot's wonky, like you're gonna cut

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Speaker 1: it up anyway. And lemons, I'm sorry, lemons are already expensive.

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Speaker 1: I'm gonna buy the odd bunch, like, I don't care

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Speaker 1: if it's got a brown spot on the outside. The

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Speaker 1: only thing I won't buy that has brown spots is bananas.

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Speaker 1: Like sorry, if there's a brown spot on a banana,

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Speaker 1: immediately canceled. That's immediately going too banana bread. Wow.

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Speaker 3: I only eat brown spotted bananas.

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Speaker 4: Ripeness is highly divisive.

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Speaker 1: Eat brown spotted bananas.

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Speaker 2: I like an old old banana.

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Speaker 1: Is almost green criminal. I jess, like, you know, just

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Speaker 1: when you buy the banana, I usually buy them and

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Speaker 1: they've got like the little green tips and then the

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Speaker 1: next day, the second the green has gone, they're edible,

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Speaker 1: and then a few days after that once they start

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Speaker 1: to brown, I'm sorry, that's gone to God. It's actually

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Speaker 1: no longer my responsibility, Like my digestive system says no, Wow,

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Speaker 1: would anything bad happen if I ate it? Absolutely not.

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Speaker 1: I taste so good it gives me the ick. No,

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Speaker 1: it doesn't taste good.

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Speaker 4: Sweeter I would say it's much more banana. I think

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Speaker 4: the riper. It's the more like strap banana.

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Speaker 2: That's a banana.

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Speaker 1: I do have a baby, and at the moment he's

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Speaker 1: not that picky. I know things can change, but at

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Speaker 1: eighteen months old he will take any banana. So he

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Speaker 1: gets the bananas with the brown spots, taking one for

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Speaker 1: the team.

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Speaker 2: You're raising a brown spotted banana kid. I think he'll change.

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Speaker 1: I think he'll become a picky eater like miss jessic Ricci,

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Speaker 1: and we.

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Speaker 2: Can only hope.

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Speaker 1: What else have you got, Beck?

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Speaker 2: Well, that's actually me for today.

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Speaker 1: I love that for us. Let's go to a really

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Speaker 1: quick break because we're going to talk about whether opening

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Speaker 1: a joint investment account is a good idea. On the

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Speaker 1: other side, and something that you slid into our DMS

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Speaker 1: about which I think is a very good conversation to have.

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Speaker 1: How to protect yourself when your partner has a gambling addiction,

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Speaker 1: so guys, don't go anywhere.

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Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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Speaker 4: money dilemma.

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Speaker 6: Hi. There, have you got a money dilemma you just

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00:15:21,040 --> 00:15:23,560
Speaker 6: can't solve? The She's on the Money team is here

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00:15:23,600 --> 00:15:26,840
Speaker 6: to help. Every week, we tackle your dilemmas, both big

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Speaker 6: and small, to answer your most burning money, career and

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Speaker 6: life questions. To get involved, simply head to our website

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Speaker 6: and leave us a short voice recording and you might

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Speaker 6: just find yourself on the show. Now, let's take a

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Speaker 6: listen to this week's money dilemma.

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Speaker 7: Hi, friends, I'm wanting some advice on investing as a couple.

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Speaker 7: I currently invest on shares us by myself, and we're

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Speaker 7: not really ready to go to a financial advisor just

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Speaker 7: yet to start investing, but we do want to get

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Speaker 7: started on investing in some sort of way. Ideally, we'd

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Speaker 7: like to micro invest, but jointly in both of our names, somehow,

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Speaker 7: almost like a Charesias that we both have access to,

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Speaker 7: like a joint account. I don't know if there's an

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Speaker 7: app like that, or there's some other way that we

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Speaker 7: can do it where we both have access to it.

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Speaker 7: Any advice would be amazing, though, thank you.

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Speaker 5: Ooh yes, I mean I haven't looked into it, so

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Speaker 5: I really don't know if something like that is. My

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Speaker 5: best guess would be I thought that shares had to

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Speaker 5: be held under a singular name. I could be wrong

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Speaker 5: about that. Like, if it was me personally, I would

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Speaker 5: just say, we'll both have accounts. We can invest in

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Speaker 5: the same things if we want them to look exactly

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Speaker 5: the same. If you're saying you want a micro investor,

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Speaker 5: you can turn on your round ups, you know, shazys.

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Speaker 5: There's new minimum investments so you can invest as much

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Speaker 5: or as little as you want. You can use those

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Speaker 5: different features like the roundups that want to invest whatever. Yeah,

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Speaker 5: but yeah, for me, it's it's kind of just not

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Speaker 5: worth a headache. And I don't really know why you

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Speaker 5: would feel the need to have it owned jointly.

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Speaker 1: Well, you can open a joint investment account, but the

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Speaker 1: key thing to know here is how ownership is going

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Speaker 1: to work if things then change down the track, right,

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Speaker 1: So depending on how the account is set up, you

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Speaker 1: and your partner might both remain legally tied to that

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Speaker 1: account if you don't like sell everything down. Even after

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Speaker 1: a breakup. A lot of the time you're not actually

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Speaker 1: able to just drop one person's name off the account

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Speaker 1: and have the other person just continue to own the

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Speaker 1: investment on their own, which can be really frustrating because

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Speaker 1: you're like, well, I don't want to incur capital gains

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Speaker 1: taxes or have to pay a whole heap of money

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Speaker 1: or even sell a good investment just because I went

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Speaker 1: through a breakup. So this means you'd either have to

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Speaker 1: continue owning the investment together or agree to sell it

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Speaker 1: and then split the proceeds. So before jumping in, I'd

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Speaker 1: really look at the account type, then how it's set up,

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Speaker 1: and what that would actually mean if you separated in

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Speaker 1: the future. It honestly might be easier for the future

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Speaker 1: if you did what Jess suggested and just like held

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Speaker 1: separate accounts. Is there anything else do you think you

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Speaker 1: want to add better?

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Speaker 3: I think you've got to handle on it into this spece.

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Speaker 1: You dam god. So I'm excited for this one, but

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Speaker 1: I'm also like not excited in the same way. Oh

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Speaker 1: my god, I'm so happy to do it. I'm like, Okay,

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Speaker 1: we actually need to talk about this because I feel

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Speaker 1: like it's come up a few times in our community recently,

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Speaker 1: whether it's something that you've discovered about your partner or

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Speaker 1: it's something that you've known about, but it's kind of

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Speaker 1: starting to blow out of proportion and impact your life.

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Speaker 1: So here's our DM high she sheeese. On the money,

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Speaker 1: I have a money and life dilemma. I recently found

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Speaker 1: out my husband has been fired from work due to

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Speaker 1: a gambling addiction. This is not the first time he's

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Speaker 1: had this problem, and we are trying to get him

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Speaker 1: the help he needs. However, I'm wanting to protect myself

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Speaker 1: and our house so that he's unable to use it

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Speaker 1: as collateral in the future. What would be the best

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Speaker 1: way to do this? And I'm also wanting to know

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Speaker 1: what the community would do in this situation.

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Speaker 3: I'm curious about how it must be quite significant if

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Speaker 3: he lost his job, because you know, I, for example,

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Speaker 3: like I'll play a multi on sports Bear, but it's

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Speaker 3: like nothing that any employee would have known about.

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Speaker 2: Like I have to have blending.

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Speaker 1: I've heard of it before where people are like gambling

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Speaker 1: addiction isn't something that like, you know, you're placing like

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Speaker 1: a little multi at lunchtime. That's like and that not

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00:19:10,359 --> 00:19:13,640
Speaker 1: just something for you. They are tracking like the horses

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Speaker 1: or the dogs or something all day every day day.

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Speaker 1: They're at work and they're placing bets on work computers

439
00:19:18,760 --> 00:19:22,399
Speaker 1: and they're not doing their hours because they're distracted by something.

440
00:19:22,440 --> 00:19:24,240
Speaker 1: So it wouldn't have been and like this is just

441
00:19:24,320 --> 00:19:27,160
Speaker 1: me extrapolating it out. Maybe they're gambling on work stuff.

442
00:19:27,200 --> 00:19:29,240
Speaker 1: Who knows, there could be six million things, but it's

443
00:19:29,320 --> 00:19:31,639
Speaker 1: very unlikely that your workplace found out you had a

444
00:19:31,640 --> 00:19:33,720
Speaker 1: sports bet account and goes, oh, that's not in line

445
00:19:33,720 --> 00:19:36,120
Speaker 1: with out knows, Yes, that's nothing to do with it.

446
00:19:36,119 --> 00:19:39,560
Speaker 1: It's more about that would usually impact your role. Okay,

447
00:19:39,600 --> 00:19:41,520
Speaker 1: that makes so much what you seak off to the

448
00:19:41,560 --> 00:19:44,639
Speaker 1: bathroom every five minutes to place multi? Do you know

449
00:19:44,640 --> 00:19:46,720
Speaker 1: what I mean? Like, so they're not firing you because

450
00:19:46,760 --> 00:19:49,280
Speaker 1: you've got a gambling addiction. They're firing you because you've

451
00:19:49,320 --> 00:19:52,320
Speaker 1: got your need ability to do your job. Oh my god,

452
00:19:52,359 --> 00:19:54,959
Speaker 1: totally Okay, so this is the underlying reason would be

453
00:19:55,000 --> 00:19:56,959
Speaker 1: like cool, it's your gambling addiction. That's what you're doing

454
00:19:57,000 --> 00:19:57,480
Speaker 1: the bathroom.

455
00:19:57,560 --> 00:20:00,520
Speaker 3: Yeah, yeah, that's so fair. That is a really really

456
00:20:00,520 --> 00:20:03,280
Speaker 3: tricky one. And I'm it sounds like you're very supportive,

457
00:20:03,320 --> 00:20:06,840
Speaker 3: and that is really really nice because addictions, man like

458
00:20:07,240 --> 00:20:10,280
Speaker 3: it is so like it doesn't make like, you know,

459
00:20:10,320 --> 00:20:12,680
Speaker 3: I've got a vaping addiction, you know, like I and

460
00:20:12,680 --> 00:20:14,600
Speaker 3: and if someone says you can't vape, then all I

461
00:20:14,640 --> 00:20:16,880
Speaker 3: can think about is vaping. But I don't think about

462
00:20:16,920 --> 00:20:18,560
Speaker 3: it before then, just like when someone says you can't

463
00:20:18,560 --> 00:20:20,760
Speaker 3: do it or something like that. So it's like your

464
00:20:20,840 --> 00:20:22,879
Speaker 3: mind just manifests things in so many different ways, and

465
00:20:22,920 --> 00:20:26,119
Speaker 3: you become addicted to things just for no reason. Like

466
00:20:26,119 --> 00:20:27,960
Speaker 3: I'm sure he didn't go into this thinking he would

467
00:20:28,000 --> 00:20:34,320
Speaker 3: be at this point, but it sometimes takes over and

468
00:20:34,320 --> 00:20:37,560
Speaker 3: and so it's really good that you're supporting him and

469
00:20:37,600 --> 00:20:39,200
Speaker 3: he's trying to get the help he needs.

470
00:20:39,480 --> 00:20:41,600
Speaker 1: So it's really lovely because a lot of people would

471
00:20:41,600 --> 00:20:43,480
Speaker 1: be like, get out of my house. I don't want

472
00:20:43,480 --> 00:20:44,400
Speaker 1: to have anything to do with.

473
00:20:44,400 --> 00:20:44,840
Speaker 6: You, I know.

474
00:20:44,920 --> 00:20:47,440
Speaker 3: And I think that if it's to the point where

475
00:20:47,440 --> 00:20:51,359
Speaker 3: it's like affecting your like it feels very black and white,

476
00:20:51,359 --> 00:20:55,320
Speaker 3: like if if someone gambled away your money or your car,

477
00:20:55,480 --> 00:20:58,600
Speaker 3: or your shared things. It's like the black and white

478
00:20:58,680 --> 00:21:01,320
Speaker 3: version of that is you're awful, why would you do that?

479
00:21:01,720 --> 00:21:03,480
Speaker 2: And then the gray area is like.

480
00:21:04,000 --> 00:21:06,720
Speaker 3: You are really like you don't you probably aren't a

481
00:21:06,720 --> 00:21:10,800
Speaker 3: bad person, like, but imagine being so you know, like

482
00:21:10,840 --> 00:21:13,560
Speaker 3: you can't see anything else, Like it kind of takes

483
00:21:13,560 --> 00:21:15,600
Speaker 3: that part of you away, the part of you that's

484
00:21:15,600 --> 00:21:18,920
Speaker 3: like I would literally never gamble away my partner's car.

485
00:21:19,000 --> 00:21:20,760
Speaker 3: It takes that away from you, Like it's like you,

486
00:21:21,359 --> 00:21:23,320
Speaker 3: it's just it's a it's a beast, it's a monster.

487
00:21:23,359 --> 00:21:26,320
Speaker 3: It's like uncontrollable. So like an addiction is an addiction,

488
00:21:26,400 --> 00:21:27,800
Speaker 3: you know. So I'm like, I really feel for this

489
00:21:27,840 --> 00:21:31,680
Speaker 3: person and the family and our listener. So it's really

490
00:21:31,680 --> 00:21:34,080
Speaker 3: good that you're getting support. Unfortunately, there does. It does

491
00:21:34,119 --> 00:21:36,160
Speaker 3: get to a point though, where it's like you love

492
00:21:36,200 --> 00:21:39,280
Speaker 3: someone so much, but you can't be around it if

493
00:21:39,480 --> 00:21:40,600
Speaker 3: there's not any.

494
00:21:40,359 --> 00:21:42,000
Speaker 2: Progress, I really don't.

495
00:21:42,160 --> 00:21:46,840
Speaker 3: I really don't have any useful advice other than support

496
00:21:47,440 --> 00:21:50,520
Speaker 3: up until a point, and you know, never shame anyone

497
00:21:50,720 --> 00:21:53,359
Speaker 3: for what they're going through. But if it gets to

498
00:21:53,400 --> 00:21:56,000
Speaker 3: a point where it's really negatively impacting you, then I

499
00:21:56,040 --> 00:21:59,560
Speaker 3: think you should maybe think about removing yourself from the situation.

500
00:21:59,680 --> 00:22:02,600
Speaker 3: And as heartbreaking as that is, but that's it's not

501
00:22:02,640 --> 00:22:04,520
Speaker 3: financial anything that doesn't really help.

502
00:22:04,560 --> 00:22:05,520
Speaker 2: But I think that's what.

503
00:22:05,480 --> 00:22:09,800
Speaker 1: Addiction is really serious, and it's really heartbreaking, and sometimes

504
00:22:09,840 --> 00:22:13,159
Speaker 1: you can try all you might and it just not

505
00:22:13,200 --> 00:22:15,880
Speaker 1: be successful. It blows my mind how much it can

506
00:22:15,960 --> 00:22:21,000
Speaker 1: impact families, and it just it literally breaks my heart. Jess,

507
00:22:21,000 --> 00:22:21,639
Speaker 1: what would you do?

508
00:22:22,240 --> 00:22:22,920
Speaker 4: It's so hard.

509
00:22:22,960 --> 00:22:24,600
Speaker 5: I want to send lots of love to our listener

510
00:22:24,600 --> 00:22:26,800
Speaker 5: and to her partner because exactly as you said, Beck,

511
00:22:26,880 --> 00:22:29,720
Speaker 5: it is such a monster all of its own, and

512
00:22:30,640 --> 00:22:33,440
Speaker 5: you know the flow on impacts beyond financial. I think

513
00:22:33,480 --> 00:22:35,840
Speaker 5: gambling is such a slippery slope. We did a really

514
00:22:35,840 --> 00:22:37,760
Speaker 5: good episode on gambling quite a few years ago now

515
00:22:37,840 --> 00:22:40,760
Speaker 5: that will link in the irrelevant irrelevant along with some

516
00:22:40,920 --> 00:22:44,000
Speaker 5: gamblers help resources for anyone who's got someone that they

517
00:22:44,040 --> 00:22:46,040
Speaker 5: know if yourself maybe need a little bit of help,

518
00:22:46,080 --> 00:22:47,440
Speaker 5: there's absolutely no shame in that.

519
00:22:47,440 --> 00:22:49,520
Speaker 4: We'll link to some things that you might find.

520
00:22:49,440 --> 00:22:52,080
Speaker 1: Useful, no no like, and I guess to context yours

521
00:22:52,119 --> 00:22:53,960
Speaker 1: that you said before, like you've got a vaping addiction.

522
00:22:54,680 --> 00:22:59,119
Speaker 1: I have an addictive personality and I am just very lucky.

523
00:22:59,280 --> 00:23:02,239
Speaker 1: I think to have always known that I've had an

524
00:23:02,240 --> 00:23:05,320
Speaker 1: addictive personality, and so therefore I've had to say no

525
00:23:05,480 --> 00:23:08,119
Speaker 1: to a lot of things in life because I'm like, no,

526
00:23:08,760 --> 00:23:11,879
Speaker 1: I won't try that, because I kind of know that

527
00:23:11,880 --> 00:23:14,199
Speaker 1: that's a slippery slope for me. Like I know a

528
00:23:14,240 --> 00:23:17,520
Speaker 1: lot more about my personality than a lot of people do.

529
00:23:18,000 --> 00:23:21,479
Speaker 1: And no, I didn't try smoking when I was younger

530
00:23:21,760 --> 00:23:24,000
Speaker 1: because I kind of knew that it would become a thing.

531
00:23:24,560 --> 00:23:27,800
Speaker 1: Like I was just like, I know the peer pressure

532
00:23:27,880 --> 00:23:29,280
Speaker 1: is going to get to me, but no, I'm going

533
00:23:29,320 --> 00:23:31,800
Speaker 1: to say no here because like I just kind of

534
00:23:31,880 --> 00:23:34,119
Speaker 1: knew that that would become an issue for me. And

535
00:23:34,240 --> 00:23:38,120
Speaker 1: like I think in every other and addiction can show

536
00:23:38,200 --> 00:23:40,960
Speaker 1: up obviously very negatively, but I think it can also

537
00:23:41,320 --> 00:23:43,679
Speaker 1: have a very good impact on your life. If you

538
00:23:43,720 --> 00:23:45,399
Speaker 1: are the type of person like me where you've got

539
00:23:45,440 --> 00:23:48,720
Speaker 1: an addictive personality, good luck stopping me from running my businesses.

540
00:23:49,160 --> 00:23:51,119
Speaker 1: Good luck stopping me When I have an idea or

541
00:23:51,160 --> 00:23:53,760
Speaker 1: want to do something, ask poor Jess. I'll be like

542
00:23:53,840 --> 00:23:55,399
Speaker 1: I want to do this, and Jess, we'll be like, no,

543
00:23:55,440 --> 00:23:57,840
Speaker 1: we're not doing that, and I'd be like, weird, because

544
00:23:57,840 --> 00:24:02,080
Speaker 1: I'm gonna do it anyway, not something that you're inherently

545
00:24:02,080 --> 00:24:05,280
Speaker 1: a bad person. It's just something that you really struggle with,

546
00:24:05,480 --> 00:24:07,680
Speaker 1: and like there's so much research around it. I mean,

547
00:24:07,960 --> 00:24:10,160
Speaker 1: Roy Morgan did some research that looked at the rate

548
00:24:10,200 --> 00:24:13,640
Speaker 1: of online sports betting in ages eighteen to twenty four,

549
00:24:13,720 --> 00:24:16,480
Speaker 1: so still just babies, and it showed that already out

550
00:24:16,480 --> 00:24:19,199
Speaker 1: of those people, likely one in four would develop a

551
00:24:19,240 --> 00:24:23,000
Speaker 1: serious gambling problem on a sports betting app. Yeah, it's

552
00:24:23,160 --> 00:24:23,720
Speaker 1: very common.

553
00:24:24,119 --> 00:24:27,720
Speaker 5: Yeah, So to answer the question about protecting your assets,

554
00:24:27,760 --> 00:24:29,720
Speaker 5: I would say you need to seek legal advice because

555
00:24:29,720 --> 00:24:31,760
Speaker 5: I think it'd be quite complicated when you're married, because

556
00:24:31,800 --> 00:24:34,760
Speaker 5: that de facto element comes in where even if you

557
00:24:34,800 --> 00:24:36,879
Speaker 5: were to move the asset out of his name. So

558
00:24:37,320 --> 00:24:39,120
Speaker 5: my best guess would be you probably need to take

559
00:24:39,160 --> 00:24:42,000
Speaker 5: him off the title for the property, but not an expert.

560
00:24:42,119 --> 00:24:43,320
Speaker 4: Definitely speak to someone who is.

561
00:24:43,520 --> 00:24:47,159
Speaker 1: That's good advice and just to like collaborate with your response.

562
00:24:47,600 --> 00:24:50,159
Speaker 1: You absolutely can do that. Legally, the problem will be

563
00:24:50,200 --> 00:24:54,080
Speaker 1: stamp duty, and I'm assuming that if it's a financial issue,

564
00:24:54,080 --> 00:24:55,959
Speaker 1: we don't have a heap of money to throw at this,

565
00:24:56,160 --> 00:24:58,240
Speaker 1: and we don't need to pay stamp duty on fifty

566
00:24:58,280 --> 00:25:00,919
Speaker 1: percent of your property. Yeah, so I've got an answer,

567
00:25:00,960 --> 00:25:05,119
Speaker 1: but like that great response. Yes, could absolutely do that,

568
00:25:05,640 --> 00:25:08,480
Speaker 1: but it might be expensive.

569
00:25:08,160 --> 00:25:09,920
Speaker 5: Yes, which is why I would kind of say, get

570
00:25:10,040 --> 00:25:11,560
Speaker 5: speak to someone who can kind of look at your

571
00:25:11,560 --> 00:25:14,800
Speaker 5: situation holistically in advice as best, because I think there

572
00:25:14,840 --> 00:25:17,480
Speaker 5: are so many exactly except there's tax, there's all of

573
00:25:17,480 --> 00:25:20,720
Speaker 5: these different things. There are legalities regarding like even if

574
00:25:20,720 --> 00:25:22,840
Speaker 5: something's not in someone's name, they're still entitled to a

575
00:25:22,880 --> 00:25:25,680
Speaker 5: portion of it, often under de facto. So I would

576
00:25:25,720 --> 00:25:28,840
Speaker 5: be seeking like some form of legal counsel. I think,

577
00:25:28,920 --> 00:25:30,919
Speaker 5: so someone who can look at it and look at

578
00:25:30,960 --> 00:25:34,200
Speaker 5: the situation give you a recommendation as to what will.

579
00:25:34,080 --> 00:25:35,920
Speaker 4: Be best to protect the assets.

580
00:25:36,400 --> 00:25:39,280
Speaker 5: Yeah, I think that Sometimes it's annoying, Like I know

581
00:25:39,359 --> 00:25:40,879
Speaker 5: that you might not want to front the money, but

582
00:25:41,520 --> 00:25:43,320
Speaker 5: I think sometimes the best thing you can do is

583
00:25:43,440 --> 00:25:45,240
Speaker 5: invest in good advice that can.

584
00:25:45,040 --> 00:25:48,919
Speaker 1: Really see ali you. Yeah, see a lawyer. Absolutely. So

585
00:25:48,960 --> 00:25:53,680
Speaker 1: you could also change your contract depends how it's been done,

586
00:25:53,840 --> 00:25:57,240
Speaker 1: but adjusting your title from joint tenants to tenants in common.

587
00:25:57,520 --> 00:26:01,920
Speaker 1: So instead of being like equal but also equally responsible

588
00:26:01,960 --> 00:26:05,520
Speaker 1: therefore equally accessible, you would limit it by shares, so

589
00:26:05,600 --> 00:26:08,040
Speaker 1: your fifty percent would be more protected. That's going to

590
00:26:08,080 --> 00:26:09,600
Speaker 1: save you a bit because you don't have to pay

591
00:26:09,600 --> 00:26:11,960
Speaker 1: stamp duty and stuff for that. But the one thing

592
00:26:11,960 --> 00:26:13,560
Speaker 1: that I would want to do, like if I was

593
00:26:13,600 --> 00:26:15,720
Speaker 1: really worried and I didn't want to pay stamp duty,

594
00:26:15,760 --> 00:26:18,440
Speaker 1: I would go and talk to a lawyer about registering

595
00:26:18,480 --> 00:26:22,720
Speaker 1: a caveat on the property, which means it cannot be used.

596
00:26:22,720 --> 00:26:25,440
Speaker 1: And this again not legal advice, just what I've seen

597
00:26:25,560 --> 00:26:27,240
Speaker 1: other people do, and you need to go talk to

598
00:26:27,240 --> 00:26:29,840
Speaker 1: your own lawyer, but registering a caveat, which is a

599
00:26:30,040 --> 00:26:33,240
Speaker 1: legal notice that is lodged against the property through your

600
00:26:33,280 --> 00:26:38,040
Speaker 1: state's land Titles office, and what that does is stops

601
00:26:38,080 --> 00:26:41,119
Speaker 1: it being sold or used for security without your consent.

602
00:26:41,640 --> 00:26:44,919
Speaker 1: And so it's not something that usually individuals register. But

603
00:26:44,960 --> 00:26:47,160
Speaker 1: like right now, I own a property, but because I've

604
00:26:47,160 --> 00:26:50,000
Speaker 1: got a mortgage, my bank has a caveat over the

605
00:26:50,040 --> 00:26:52,760
Speaker 1: top of that mortgage. Meaning I can't go sell my

606
00:26:52,840 --> 00:26:56,000
Speaker 1: property to Beck and then she gives me the cash

607
00:26:56,040 --> 00:26:57,800
Speaker 1: and I keep it. They've got a caveat that says

608
00:26:57,800 --> 00:26:59,880
Speaker 1: if this property is sold, that's for me. And also

609
00:27:00,080 --> 00:27:03,560
Speaker 1: you need my consent to do that, and that means

610
00:27:03,600 --> 00:27:05,960
Speaker 1: that they're protecting themselves because they've got this massive loan.

611
00:27:06,240 --> 00:27:10,200
Speaker 1: But you can actually also register a caveatool, which might

612
00:27:10,760 --> 00:27:13,160
Speaker 1: make you feel a little bit more protected. I would

613
00:27:13,200 --> 00:27:16,639
Speaker 1: also not have joint finances. Yeah, see how, I'm like, No,

614
00:27:16,720 --> 00:27:19,680
Speaker 1: it's all personal. Sorry, we don't have joint finances. When

615
00:27:19,680 --> 00:27:22,120
Speaker 1: we're going through things like this, you need to financially

616
00:27:22,160 --> 00:27:26,119
Speaker 1: protect yourself and set yourself up securely. You have your

617
00:27:26,160 --> 00:27:29,440
Speaker 1: own emergency fund, you have your own banking access because

618
00:27:29,480 --> 00:27:33,560
Speaker 1: otherwise you're both potentially going to be impacted by this

619
00:27:33,680 --> 00:27:36,880
Speaker 1: even more than you think. And then obviously we will

620
00:27:36,880 --> 00:27:39,040
Speaker 1: put a whole heap of resources in the show notes.

621
00:27:39,240 --> 00:27:42,320
Speaker 1: We will put resources to gambling help online, the National

622
00:27:42,359 --> 00:27:45,600
Speaker 1: Debt Helpline, which we are obsessed with. And I would

623
00:27:45,600 --> 00:27:48,080
Speaker 1: honestly want to talk to a family lawyer and also

624
00:27:48,119 --> 00:27:50,400
Speaker 1: a counselor yeah, and go from there.

625
00:27:50,440 --> 00:27:51,760
Speaker 4: But sending you both lots of love.

626
00:27:51,800 --> 00:27:53,879
Speaker 5: I think it's really great that you want to support

627
00:27:53,960 --> 00:27:55,920
Speaker 5: and it's great that you're thinking about protecting and I'm

628
00:27:55,960 --> 00:27:58,640
Speaker 5: sure that there are lots of options and resources out

629
00:27:58,640 --> 00:28:00,000
Speaker 5: there that are available to help you.

630
00:28:00,040 --> 00:28:03,639
Speaker 1: But you about our community also helped, which is obviously

631
00:28:03,920 --> 00:28:06,560
Speaker 1: my favorite part. Like our community is so beautiful. We

632
00:28:06,640 --> 00:28:09,400
Speaker 1: asked them first, like we had a few questions. I said,

633
00:28:09,440 --> 00:28:12,480
Speaker 1: has your partner or someone you loved ever struggled with gambling?

634
00:28:12,480 --> 00:28:14,199
Speaker 1: And you know what, I'm glad to say that. Seventy

635
00:28:14,200 --> 00:28:18,639
Speaker 1: seven percent said no, but fourteen percent said yes, a

636
00:28:18,680 --> 00:28:22,359
Speaker 1: family member, and nine percent said yes, my partner. What

637
00:28:22,359 --> 00:28:25,080
Speaker 1: would you do in this situation? So forty four percent

638
00:28:25,200 --> 00:28:28,880
Speaker 1: said legal agreement to protect aussets, twenty four percent said

639
00:28:28,920 --> 00:28:33,280
Speaker 1: separate finances completely, another twenty four percent said control access

640
00:28:33,320 --> 00:28:35,960
Speaker 1: to money and credit cards, and eight percent said give

641
00:28:36,000 --> 00:28:39,440
Speaker 1: them a last chance ultimatum. We obviously then went to

642
00:28:39,480 --> 00:28:42,520
Speaker 1: the community and said, hey, like, what's your two cents?

643
00:28:42,520 --> 00:28:45,480
Speaker 1: But I want to just shout out really quickly first

644
00:28:45,800 --> 00:28:49,640
Speaker 1: how bloody beautiful our community is. Because we got so

645
00:28:49,880 --> 00:28:53,160
Speaker 1: many messages of support and messages of like, hey, I'm

646
00:28:53,200 --> 00:28:55,960
Speaker 1: going through that as well. It's really common. And I

647
00:28:56,000 --> 00:28:58,480
Speaker 1: obviously can't spend the whole episode reading all of those

648
00:28:58,520 --> 00:29:02,080
Speaker 1: out because whilst if they're not answering the question, so

649
00:29:02,120 --> 00:29:04,760
Speaker 1: I didn't want to go through them too much, but

650
00:29:04,800 --> 00:29:07,600
Speaker 1: I'll read out one that I thought hit the nail

651
00:29:07,600 --> 00:29:10,000
Speaker 1: on the head, she said, sending this listener a hug.

652
00:29:10,080 --> 00:29:12,640
Speaker 1: They sound like an absolute boss babe, tackling all that

653
00:29:12,680 --> 00:29:16,480
Speaker 1: life throws at them. Maybe yeap nailing it And then

654
00:29:16,640 --> 00:29:20,920
Speaker 1: getting into the advice our community. First person said, lock

655
00:29:21,000 --> 00:29:23,760
Speaker 1: things like your ID and credit report to avoid going

656
00:29:23,800 --> 00:29:27,960
Speaker 1: on to loans without your knowledge. Another person said, organize

657
00:29:27,960 --> 00:29:30,600
Speaker 1: a post nup. If he can see that he has

658
00:29:30,600 --> 00:29:34,120
Speaker 1: a problem, he will be happy to sign. Another person said,

659
00:29:34,200 --> 00:29:37,040
Speaker 1: I went through drug addiction and wish my partner at

660
00:29:37,040 --> 00:29:40,680
Speaker 1: the time had taken control of all my money, which

661
00:29:40,720 --> 00:29:42,560
Speaker 1: is kind of true. But then it also and.

662
00:29:42,640 --> 00:29:44,680
Speaker 4: Like it puts a burden on the partner.

663
00:29:44,440 --> 00:29:49,440
Speaker 1: It's not just a burden, it's also like addiction is ugly,

664
00:29:49,840 --> 00:29:52,880
Speaker 1: Like addiction is, it brings out the worst in people.

665
00:29:53,000 --> 00:29:56,120
Speaker 1: It does not let you shine. And if you put

666
00:29:56,160 --> 00:29:59,719
Speaker 1: a caveat over somebody who has an addiction, you're creating

667
00:30:00,000 --> 00:30:03,240
Speaker 1: even more friction in that relationship. And I'm not saying

668
00:30:03,280 --> 00:30:05,440
Speaker 1: don't do it, because I think it can be really

669
00:30:05,440 --> 00:30:08,080
Speaker 1: constructive and obviously in a lot of these situations is

670
00:30:08,080 --> 00:30:10,760
Speaker 1: for the best. But like, if I have an addiction

671
00:30:10,800 --> 00:30:14,240
Speaker 1: and you're withholding something from me, Jess, I'm not happy

672
00:30:14,280 --> 00:30:16,800
Speaker 1: with you, and I'm consistently not happy with you, and

673
00:30:16,840 --> 00:30:18,480
Speaker 1: we are going to argue about it, and I'm going

674
00:30:18,520 --> 00:30:20,600
Speaker 1: to beg you for it, and I think that we

675
00:30:20,720 --> 00:30:23,920
Speaker 1: need to use that option with a little bit of leniency,

676
00:30:24,200 --> 00:30:26,360
Speaker 1: which is why my first board of call is always

677
00:30:26,440 --> 00:30:29,400
Speaker 1: protect yourself, have your own funds, have access to your

678
00:30:29,440 --> 00:30:34,920
Speaker 1: own emergency fund. Next one is a two parter. So

679
00:30:35,120 --> 00:30:37,160
Speaker 1: someone said this happened to us. I had to take

680
00:30:37,240 --> 00:30:39,840
Speaker 1: over all our finances and he had no access to

681
00:30:40,080 --> 00:30:43,560
Speaker 1: it at all, and then said, not even spending money

682
00:30:43,600 --> 00:30:46,560
Speaker 1: because twenty dollars cash could still be gambled, and ultimately

683
00:30:46,600 --> 00:30:50,560
Speaker 1: he really appreciated it. Next person said, as much as

684
00:30:50,600 --> 00:30:53,000
Speaker 1: you love someone, they have to choose to be clean

685
00:30:53,080 --> 00:30:55,280
Speaker 1: from any kind of addiction for you and for your

686
00:30:55,320 --> 00:30:59,720
Speaker 1: family's benefit. Another person said, same page as me, caveat

687
00:30:59,720 --> 00:31:02,680
Speaker 1: your he to stop it being disposed off without your agreement.

688
00:31:03,120 --> 00:31:05,880
Speaker 1: And the last one I'll share is unfortunately, I'm currently

689
00:31:05,920 --> 00:31:08,760
Speaker 1: sorting out my own gambling addiction. It is a very

690
00:31:08,880 --> 00:31:12,160
Speaker 1: messy and slippery slope. So people in our community are

691
00:31:12,200 --> 00:31:15,720
Speaker 1: going through this. This isn't something that is Oh, that's

692
00:31:15,720 --> 00:31:18,560
Speaker 1: so uncommon. I only heard of gambling on the end

693
00:31:18,600 --> 00:31:21,560
Speaker 1: of the you know, the sports bad ads it happens

694
00:31:21,560 --> 00:31:24,280
Speaker 1: a lot and it's heartbreaking, but like, also good on

695
00:31:24,320 --> 00:31:25,160
Speaker 1: you for tackling it.

696
00:31:25,360 --> 00:31:27,440
Speaker 4: Yeah, full it takes a lot of strength.

697
00:31:27,760 --> 00:31:30,360
Speaker 1: Yeah to me, Like I'm actually going through this right now,

698
00:31:30,400 --> 00:31:31,840
Speaker 1: and it's a bloody slippery slope.

699
00:31:32,120 --> 00:31:34,120
Speaker 3: The isolation you might feel if you are in this

700
00:31:34,240 --> 00:31:36,520
Speaker 3: and you're like you've got an addiction, but then these

701
00:31:37,240 --> 00:31:40,600
Speaker 3: helplines and stuff exist because there are so many you're

702
00:31:40,640 --> 00:31:42,720
Speaker 3: not alone and just really quickly. The other thing is

703
00:31:42,760 --> 00:31:44,440
Speaker 3: that I've been listening to Alan Khar's Easy Way, which

704
00:31:44,440 --> 00:31:46,800
Speaker 3: is about vaping and smoking, but it's a really good

705
00:31:46,800 --> 00:31:49,120
Speaker 3: way to make you see what you're doing in a

706
00:31:49,120 --> 00:31:51,920
Speaker 3: completely different light, because like telling you that it's bad

707
00:31:51,960 --> 00:31:55,960
Speaker 3: for X y Z reason doesn't actually do anything. It's like, yeah,

708
00:31:56,000 --> 00:31:57,640
Speaker 3: I know that, you know, but it's like when you

709
00:31:57,680 --> 00:31:59,440
Speaker 3: when you're like I'm going to keep doing it, but

710
00:31:59,520 --> 00:32:01,520
Speaker 3: I'm going to slowly seeing it differently.

711
00:32:01,520 --> 00:32:02,680
Speaker 2: I don't know, maybe that'll be helpful.

712
00:32:02,720 --> 00:32:04,480
Speaker 3: Bit just like kind of maybe listen to that, which

713
00:32:04,480 --> 00:32:07,040
Speaker 3: is absolutely not about gambling. Maybe they have a gambling version,

714
00:32:07,040 --> 00:32:11,000
Speaker 3: but just like change the word vaping or smoking to

715
00:32:11,080 --> 00:32:14,920
Speaker 3: gambling way while you listen, and maybe that'll be helpful.

716
00:32:15,120 --> 00:32:17,400
Speaker 2: I don't know, but yeah, oh my love.

717
00:32:17,920 --> 00:32:20,600
Speaker 1: Yeah yeah, And I think that that is a perfect

718
00:32:20,640 --> 00:32:23,360
Speaker 1: place to leave at my friends. So we will see

719
00:32:23,360 --> 00:32:25,520
Speaker 1: you right nearly on Monday for a money diary. But

720
00:32:25,640 --> 00:32:27,280
Speaker 1: have the best weekend. Bye, guys.

721
00:32:27,400 --> 00:32:36,000
Speaker 6: Hie did buy shared on She's on the Money is

722
00:32:36,080 --> 00:32:38,560
Speaker 6: general in nature and does not consider.

723
00:32:38,120 --> 00:32:39,680
Speaker 1: Your individual circumstances.

724
00:32:40,040 --> 00:32:43,440
Speaker 6: She's on the Money exists purely for educational purposes and

725
00:32:43,480 --> 00:32:45,920
Speaker 6: should not be relied upon to make an investment or

726
00:32:46,000 --> 00:32:47,000
Speaker 6: financial decision.

727
00:32:47,400 --> 00:32:49,640
Speaker 1: If you do choose to buy a financial.

728
00:32:49,200 --> 00:32:53,200
Speaker 6: Product, read the PDS TMD and obtain appropriate financial.

729
00:32:52,760 --> 00:32:54,560
Speaker 1: Advice tailored towards your needs.

730
00:32:54,920 --> 00:32:58,880
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

731
00:32:58,920 --> 00:33:01,400
Speaker 6: of Money Shower p T Y L t D A

732
00:33:01,400 --> 00:33:04,320
Speaker 6: b N three two one six four nine two seven

733
00:33:04,440 --> 00:33:07,280
Speaker 6: seven zero eight a F S L four five one

734
00:33:07,480 --> 00:33:08,960
Speaker 6: two eight nine