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Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country te glennyan Ganya nian

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Speaker 1: ar Kaka yah y and binahaka nian our gay In

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Speaker 1: Mbini yak um jar doumayagumika umaga ihowaka na waman damon

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Speaker 1: immalan Bimba bang gadabomba in and now in waka ghana

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Speaker 1: on yakraum jar watanadaa. Hello, beautiful friends, we gather on

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Speaker 1: the lands of the Aboriginal people. We thank acknowledge and

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Speaker 1: respect the Abiginal people's land that we're gathering on today.

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Speaker 1: Take pleasure in all the land and respect all that

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Speaker 1: you see. She's on the Money podcast acknowledges culture, country,

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Speaker 1: community and connections, bringing you the tools, knowledge and resources

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Speaker 1: for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money. Hello, and welcome to She's on

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Speaker 3: the Money the podcast let's you be pervy about other

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Speaker 3: people's money stories for educational purposes, of course. Welcome back

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Speaker 3: to another one of our money diaries, brought to you

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Speaker 3: by our friends at Sky Wealth, where I get the

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Speaker 3: absolute privilege of sitting down with one of our incredible.

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Speaker 3: She's on the Money community members and talking to them

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Speaker 3: all about their journey. Let's jump straight into it, because

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Speaker 3: this week I got a message and it sounded exactly

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Speaker 3: like this high She's on the money. I grew up

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Speaker 3: seeing money at both extremes. My parents were young and

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Speaker 3: very wealthy. Then almost overnight it was all gone. For

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Speaker 3: a long time after I lived paycheck to paycheck and

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Speaker 3: in a constant state of stress. About four years ago

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Speaker 3: things started to change. I felt pregnant unexpectedly and had

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Speaker 3: to pull my head out.

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Speaker 2: Of the sand.

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Speaker 3: Now, with two kids, I'm focused on building something steady

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Speaker 3: and real. I'm not chasing huge wealth. I just want security,

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Speaker 3: options and a sense of control. For the first time,

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Speaker 3: I feel like I'm actually getting there and creating a

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Speaker 3: different kind of future money Darist. This is going to

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Speaker 3: be juicy and good and exciting and also I think,

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Speaker 3: really wholesome. How are you welcome to the show?

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Speaker 2: Thank you? I'm well, thank you?

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Speaker 3: Oh how good?

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Speaker 2: All right?

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Speaker 3: Before I get into the juicy stuff, because that's all

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Speaker 3: I want to get from this, I'm like, well, what

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Speaker 3: do you mean you were wealthy and then you weren't

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Speaker 3: tell me if I asked you to give yourself a

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Speaker 3: money grade from A through to F, what would it be.

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Speaker 2: I'm going to give myself a C plus. Like I've

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Speaker 2: got some really good money habits now, but I've still

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Speaker 2: got some really bad money habits. I still feel like

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Speaker 2: me my partner in the learning and growing phase. But yeah,

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Speaker 2: we're in a much better position today than what we

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Speaker 2: were four years ago, so I'm very grateful for that.

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Speaker 3: Oh my goodness. All right, I need to know. You

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Speaker 3: need to tell me a little bit more about your

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Speaker 3: money story and the things that have impacted it.

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Speaker 2: Yeah. So my mum had children quite young, well, both

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Speaker 2: my parents did. She fell pregnant when she was around

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Speaker 2: seventeen and still at high school.

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Speaker 3: Oh wow.

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Speaker 2: Yeah, the stress, the stress. But credit to her, she

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Speaker 2: finished her schooling and she got in university.

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Speaker 3: Of course she did. What can't women do.

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Speaker 2: She met my dad shortly after that, and by the

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Speaker 2: age of twenty three there was four of us. What crazy, Yeah,

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Speaker 2: queen crazy, queen, calm down. I know. So I'm pretty

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Speaker 2: sure that life at that time was pretty stressful for them.

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Speaker 3: But do you think four kids? Yeah, basically under five?

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Speaker 3: What I know, it was teral, it was fer I

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Speaker 3: kind of am a little bit envious, but also don't

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Speaker 3: come near me with that energy. I'm scared.

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Speaker 1: Yeah.

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Speaker 2: Yeah, and they talk about it now like it was

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Speaker 2: all cough nappies back then, and yeah, I just couldn't

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Speaker 2: even imagine it would have been.

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Speaker 3: So much harder, but also how wholesome. So tell me,

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Speaker 3: I need to know more. We had four kids because

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Speaker 3: they didn't know how making kids worked, or they had

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Speaker 3: four kids because they were like, let's just keep going.

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Speaker 3: We're already in the trenches of nappies, we may as

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Speaker 3: well keep going. Like was this intentional? Not intention I've

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Speaker 3: just got questions.

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Speaker 2: Knowing my parents, they're not planners. I don't think any

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Speaker 2: of this was planned. I think it always just one

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Speaker 2: big party and that's how it ended. So good on them.

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Speaker 2: I love it so grateful that, you know, I've got

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Speaker 2: three really great siblings. So yeah, grateful. But yeah, So

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Speaker 2: mum finished university and she's pretty much straight away she

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Speaker 2: got a really well paying job in the corporate world.

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Speaker 2: And I feel sad saying this. I don't exactly know

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Speaker 2: what that role was, but I do know that it

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Speaker 2: just came with all the bells and whistles. So she

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Speaker 2: had a company car, she had a fuel card, she

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Speaker 2: got to go on lots of international trips, she got bonuses,

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Speaker 2: and she had commissions and things like that. So wow,

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Speaker 2: we were living and she had four kids.

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Speaker 3: I know, I know, a nineties icon. I know, we

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Speaker 3: never just know the suits were hot, you just know.

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Speaker 2: I know. I'm just sad we never got to go

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Speaker 2: on any of our international trips with but we did

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Speaker 2: get some pretty cool souvenirs. So happy for that.

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Speaker 3: I mean, as a kid, that's a very good deal.

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Speaker 3: On the flip side, I remember my dad went to

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Speaker 3: a conference in America when I would have been three,

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Speaker 3: and he went to Disneyland and he brought back an

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Speaker 3: e your toy that I still have today and I'm

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Speaker 3: still obsessed with and it's just like the coolest thing ever.

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Speaker 3: And I used to tell everybody that Dad got it

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Speaker 3: for me overseas.

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Speaker 2: Yeah, like what a flex.

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Speaker 3: I don't think kids care anymore about that, but like

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Speaker 3: back then, that was a big deal.

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Speaker 2: Oh yeah, I love that. I love that. And look,

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Speaker 2: Dad was working pretty hard as well. I don't want

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Speaker 2: to give Mum all the credit I do, he was working.

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Speaker 3: Who runs the world? Girls?

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Speaker 2: Yeah, I know, right, So life was pretty sweet. I

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Speaker 2: mean that looked like for us, you know, we had

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Speaker 2: Fox style, we got takeaway every Tuesday night, we got

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Speaker 2: lots and lots of Birthday gifts and Christmas gifts and yeah,

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Speaker 2: life just felt really really special at that period of time.

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Speaker 3: That's really cool. But also isn't it How do I

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Speaker 3: say this? Isn't it funny?

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Speaker 2: That?

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Speaker 3: To me, those were definitely markers of Welsh as well.

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Speaker 3: So like the kids that have foxtail, we didn't have

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Speaker 3: a foxtail, like whooa rich Yeah, what do you mean

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Speaker 3: you get takeaway every week? That's crazy? Like for us,

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Speaker 3: that wasn't a thing. And if we got takeaway, it

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Speaker 3: was like a bit planned like, and there was a

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Speaker 3: fair bit of lead up to it, like it wasn't

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Speaker 3: a weekly thing, it wasn't even a monthly thing. Like yeah,

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Speaker 3: I just look at that and I go, yeah, you

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Speaker 3: must have been real rich. Did you have a double

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Speaker 3: door fridge? By chance? I don't think we did, but yeah,

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Speaker 3: or maybe not that rich.

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Speaker 2: I just remember as a kid feeling like we've made

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Speaker 2: it like you have, Yeah, this is great, this is

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Speaker 2: how life's supposed to be.

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Speaker 3: One hundred percent. What happened next?

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Speaker 2: They separated. So just before I went into high school,

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Speaker 2: they separated and my mum left her corporate role. She

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Speaker 2: just wasn't creaking very well with the trouble and things

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Speaker 2: like that, and my dad had entered his own businessamily

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Speaker 2: member and that was just a plot. So no, like

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Speaker 2: a switch, we just went from being really really wealthy

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Speaker 2: to being really really poor. And also, I think it's

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Speaker 2: important to note that during that time where we did

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Speaker 2: have an abundance of cash, my parents did not do

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Speaker 2: anything with that money to set us up for the future.

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Speaker 2: So they didn't invest it in property, they didn't invest

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Speaker 2: it into the share market, and they I don't even

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Speaker 2: think they put any into a savings account.

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Speaker 3: We just you just don't know what you don't know

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Speaker 3: at that time though, And I mean, yeah, to give

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Speaker 3: them a little bit of credit. Four kids is really

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Speaker 3: hard and four kids is really expensive, so they were

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Speaker 3: probably like, you know what, let's live, love, laugh, like,

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Speaker 3: let's get takeaway, let's enjoy the moment, because we don't

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Speaker 3: actually have that much time with our kids, so when

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Speaker 3: we do, we may as well make the most of it.

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Speaker 3: And that can make cash disappear so quickly.

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Speaker 2: Yeah, and look that I really do think they just

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Speaker 2: wanted us to be happy and did whatever they could

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Speaker 2: to make us happy.

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Speaker 3: I mean, I just heard the story of you were

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Speaker 3: definitely very happy. So tell me what's it like having

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Speaker 3: your parents separate right before high school. I feel like

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Speaker 3: that would have been, you know, obviously the best thing

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Speaker 3: for them, But it doesn't often feel that way for

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Speaker 3: the kids, does it. No, No, it was really stressful

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Speaker 3: for us, and you know, we really felt the tension,

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Speaker 3: We really felt the shift in the financial situation. And

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Speaker 3: you know, there were times where we were boiling water

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Speaker 3: on the stove to heat up at the bath water

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Speaker 3: because the gas felle hadn't been paid to heat up

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Speaker 3: the bath water. The landlord was coming to the house

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Speaker 3: trying to find out where their rent money was.

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Speaker 2: Oh my god.

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Speaker 3: And as kids, you're just like, I don't know, that

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Speaker 3: would have been such a weight on your shoulders because

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Speaker 3: you would have felt like, I don't know if the

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Speaker 3: word is secondhand embarrassment, but you were like, they're coming

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Speaker 3: after me, but like obviously they weren't, But that's how

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Speaker 3: you would have felt. Yeah.

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Speaker 2: Yeah, and you I think as a child, you do

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Speaker 2: feel responsible, even though it's not your fault. You sort

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Speaker 2: of take that on and feel like that you've played

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Speaker 2: a role in that. So, yeah, that was really stressful.

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Speaker 3: And talk to me why that was the case, because

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Speaker 3: obviously overnight, you know, your mum didn't take the separation

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Speaker 3: well and resigned from her job. But was that, you know,

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Speaker 3: because they weren't supporting each other through that period of time.

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Speaker 3: And we don't need to get into the nitty gritty

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Speaker 3: of their relationship, but you know, sometimes this happens because well,

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Speaker 3: now there's two households to pay for, or it happens

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Speaker 3: because there seems to be some kind of disconnect between

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Speaker 3: the fact that, you know, the mum ends up with

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Speaker 3: all the kids and all of their expenses and the

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Speaker 3: dad rides off into the sunset, Like there are different situations, right,

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Speaker 3: What did it look like for you?

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Speaker 2: Look, it was toxic and yeah, we weren't spared any details.

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Speaker 3: So oh cool, thanks guys. That's not gonna mean that

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Speaker 3: I have to pay for therapy later in life.

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Speaker 2: I know they definitely used us the sounding boards, and

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Speaker 2: I just you know, I don't hold that against them.

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Speaker 2: I think they were in their early twenties and I

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Speaker 2: think back to when I was in my early twenties

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Speaker 2: and I probably would have done the same thing.

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Speaker 3: Yeah, but you also you don't what you don't know,

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Speaker 3: and I'm sure they were trying their best. And you know,

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Speaker 3: if we'd asked your mom back then, you know, why

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Speaker 3: are you telling money darist about this, she would have

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Speaker 3: been like, oh, she's the only one that also knows everybody. Yeah,

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Speaker 3: like I get a queen. That's also trauma. Let's not

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Speaker 3: do that in the future.

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Speaker 2: And I just remember being at school and I was

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Speaker 2: the only kid that in my class that didn't have

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Speaker 2: a surf branded pencil case and I didn't have the

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Speaker 2: embroidered Polo T shirt. So just feeling like I didn't

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Speaker 2: fit in.

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Speaker 3: That breaks my heart because it's not the case. But

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Speaker 3: that's exactly how kids measure value. Yes, yes, oh my

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Speaker 3: roxy pencil case that I begged my mom for was

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Speaker 3: like my pride and joy.

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Speaker 2: Yeah, yeah, I was so jealous of all the girls

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Speaker 2: that had those. But anyway, now I know that those

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Speaker 2: little things are just so not important.

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Speaker 3: They really aren't, and they are not markers of wealth.

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Speaker 3: But when you're little, like it's funny the things that

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Speaker 3: you cling onto because you go, well, that means they're

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Speaker 3: doing well, yeah, yeah, and it's a pencil case.

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Speaker 2: Yeah literally.

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Speaker 3: Anyway, so tell me what did that look like once

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Speaker 3: kind of the dust had settled a bit or did

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Speaker 3: it take a few years for the dust to settle.

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Speaker 2: It took a few years for the dust to settle,

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Speaker 2: Like I finished school and that was a struggle, like, yeah,

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Speaker 2: my parents were living paycheck to paycheck and barty and

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Speaker 2: but yeah, I got through school and then I moved

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Speaker 2: out of home. And I think this would be relatable

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Speaker 2: to some people because I didn't like the step mom.

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Speaker 2: I was like, get me out of here.

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Speaker 3: Oh okay, this is getting stereotypical. I love it.

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Speaker 2: Okay, yeah she was crazy and I was out, like

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Speaker 2: she didn't like me. So she's still around, she's not, thankfully,

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Speaker 2: Oh thank god.

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Speaker 3: So dad came to his senses as well.

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Speaker 2: Yeah. Yeah, I mean there's been a few crazy since then.

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Speaker 3: But so we know it's how to pick and get it.

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Speaker 2: Kid.

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Speaker 3: When we say we don't like the stepmum, I know

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Speaker 3: that's really stereotypical. But when you were moving out, and

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Speaker 3: maybe this is more a therapist conversation than it is

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Speaker 3: the money conversation, but did you feel like, great, I

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Speaker 3: have to move out. That's my dad and this new

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Speaker 3: woman that he's picking over me in a way, because like,

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Speaker 3: I've got a few girlfriends who went through the same

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Speaker 3: circumstances and they were like, I have to leave, she's

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Speaker 3: here and now she's kind of on my turf. What

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Speaker 3: did that look like in reality? Did that kind of

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Speaker 3: create a divide between you and your dad?

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Speaker 2: It did? But he had been single for ten years,

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Speaker 2: so we had had the luxury of just having him

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Speaker 2: all to ourselves and I was the only girl, so right, Yeah,

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Speaker 2: so when another woman came along, it was stricy.

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Speaker 3: Yeah, understandably. Yeah.

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Speaker 2: I don't think I mattered who it was going to be.

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Speaker 2: It was always going to be hard, given that he

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Speaker 2: had been single for so long.

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Speaker 3: Yeah, but also then she was toxic, so that really

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Speaker 3: you didn't help it.

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Speaker 2: Yeah, yes, and that relationship was toxic. Yeah.

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Speaker 3: Okay, So then what happened? You moved out of home,

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Speaker 3: you started renting for the first time. Was that easy?

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Speaker 3: Was it hard? Was it confronting?

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Speaker 2: That was triggy? I guess one thing that I did

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Speaker 2: take away from my childhood was that I always ensured

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Speaker 2: that my rent was paid on time because I didn't

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Speaker 2: want any landlord knocking on my door. So I did that.

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Speaker 2: I made sure I did that every week. But then

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Speaker 2: the rest of the money it was just yollow. It

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Speaker 2: got spent on I don't even know what. And I

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Speaker 2: was living week to week and studying at the same time.

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Speaker 2: That's hard, yeah, trying to do placement and keep up

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Speaker 2: with life. But during that period of time, I met

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Speaker 2: my now ex partner and okay, I got introduced to

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Speaker 2: his family, and that was the first time that I'd

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Speaker 2: really seen how the other side lived.

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Speaker 1: Like.

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Speaker 2: His family had the white picket fence, they had the

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Speaker 2: well trained. Him and his brother went to private school.

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Speaker 3: They did a golden retriever. It was a border collie,

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Speaker 3: so same same.

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Speaker 2: Yeah, same same. They had pretty throw dugs and ornaments everywhere,

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Speaker 2: and I.

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Speaker 3: Was just like, wow, well what is this?

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Speaker 2: Yes, yes, Like I was like I want this, Like

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Speaker 2: this is how I want to live my life. This

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Speaker 2: is great. And they, like his parents, were very open

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Speaker 2: and talking about the fact that they were going to

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Speaker 2: retire early. The family all went on an annual trip together.

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Speaker 2: Like yeah, they just to me they were living the

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Speaker 2: high life. Wow. So once I finished university and got

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Speaker 2: an adult job, I started saving pretty aggressively for a

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Speaker 2: deposit for a house.

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Speaker 3: Oh good job. Yeah, it would have been so easy

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Speaker 3: with a partner like that to be like, right, well,

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Speaker 3: I'm fine, I'm just gonna match and keep up with

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Speaker 3: the Joneses and start spending money on stuff.

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Speaker 1: No.

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Speaker 2: No, I wanted to contribute to the deposit, so I

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Speaker 2: started saving pretty aggressively, and then you know, we got engaged.

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Speaker 2: We went to Europe, and then we moved into our

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Speaker 2: dream home that we built together, and I just thought,

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Speaker 2: I've made it like this.

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Speaker 3: You have your own white picket since yes.

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Speaker 2: Yes, yeah, yeah, I thought, you know, this is it.

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Speaker 2: This is my life and this is great. But we

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Speaker 2: know that when it's you know, too good to be true,

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Speaker 2: it probably is.

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Speaker 3: Sometimes it is. No, why was it too good to

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Speaker 3: be true?

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Speaker 2: Do I want to know?

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Speaker 3: Is this going to make me mad?

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Speaker 2: Look? I know this is a finance podcast, but I

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Speaker 2: know you do like juicy details.

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Speaker 3: So oh yeah, sorry, we just girls. Yeah.

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Speaker 2: Two months before the wedding, I got a message.

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Speaker 3: Request you got the hey girl message?

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Speaker 2: No, no, it was his ex girlfriend and she sort

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Speaker 2: of started the conversation with I know you're about to

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Speaker 2: get marriage, so I just want to clear my conscience.

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Speaker 2: This is what's been going on your entire relationship, and

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Speaker 2: she's mad the receipts and the receipts.

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Speaker 3: No, no, no, that's not a girl's girl. I mean,

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Speaker 3: do you know what, maybe it is a girl's girl,

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Speaker 3: because I don't know how you reacted, but I'm not

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00:16:16,320 --> 00:16:19,800
Speaker 3: going to immediately like trust the ex girlfriend. Like I

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00:16:19,840 --> 00:16:22,200
Speaker 3: think I would have needed the receipts to believe that. Yeah,

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Speaker 3: Like I think I would have tried really hard to

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Speaker 3: tell myself a narrative of like she's just trying to

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Speaker 3: ruin my happiness or like something I don't know, and

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Speaker 3: like that's probably really toxic to admit to. But at

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Speaker 3: the same time, like maybe you needed the receipts.

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Speaker 2: Well, you know what, I think my friends were a

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Speaker 2: lot more mad at her than what I was, because

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Speaker 2: I was, like, you know what, she just she didn't

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Speaker 2: know me anything. At the end of the day, she

348
00:16:45,640 --> 00:16:48,280
Speaker 2: didn't know me. I don't agree with her behavior, and

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Speaker 2: I'm so glad that I wouldn't do something like that,

350
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Speaker 2: But I was more mad at him, and given that

351
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Speaker 2: I did have the receipts, there was no denying.

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Speaker 3: Yeah, And I feel like that's justified. Did anger? I

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00:17:01,240 --> 00:17:03,720
Speaker 3: feel like I'm always confused when people are mad at

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00:17:03,760 --> 00:17:06,240
Speaker 3: the other woman, Like, yeah, you're right, she's not a

355
00:17:06,280 --> 00:17:09,280
Speaker 3: good human. Like, and I don't care what people say.

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Speaker 3: This podcast only gets listened to by millions, But I

357
00:17:12,920 --> 00:17:15,960
Speaker 3: don't care what people say if you actively go into

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00:17:16,119 --> 00:17:18,879
Speaker 3: that kind of relationship knowing that they've got a partner

359
00:17:19,640 --> 00:17:22,280
Speaker 3: that's also on you, Like, that's a choice that you're making.

360
00:17:22,800 --> 00:17:25,080
Speaker 3: You're not probably the type of person I want to

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Speaker 3: keep the company of. But again, you're right, that person

362
00:17:28,080 --> 00:17:30,680
Speaker 3: doesn't owe me anything, but my partner he owes me

363
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Speaker 3: loyalty like he does. So I know where my anger's going,

364
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Speaker 3: and I feel like it would be where you placed it.

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Speaker 3: Two months before the wedding.

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Speaker 2: Two months before the wedding, No, root, Root, what did

367
00:17:42,840 --> 00:17:46,200
Speaker 2: you do? Wow? Obviously I had to cancel the wedding.

368
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Speaker 2: That was the first thing.

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Speaker 3: Some girls wouldn't queen, that's very big, Like some girls

370
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Speaker 3: would have been like, no, like he'll change, maybe he'll

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Speaker 3: be different when we're married.

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Speaker 1: Yeah.

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Speaker 2: No, I'm very glad that I did cancel that wedding.

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Speaker 2: And look, I think that's sad part about that. I

375
00:18:00,920 --> 00:18:03,560
Speaker 2: was thinking about this today was my dad actually got

376
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Speaker 2: a personal loan out to pay for that wedding, and

377
00:18:07,200 --> 00:18:10,040
Speaker 2: I didn't know that, Like I just thought he had

378
00:18:10,080 --> 00:18:11,359
Speaker 2: that spare cash laying around.

379
00:18:11,560 --> 00:18:16,240
Speaker 3: Dad. Yeah, okay, but like thanks dad, you are a king. Yes,

380
00:18:16,359 --> 00:18:18,560
Speaker 3: I don't like your choice in girlfriends, but thank you

381
00:18:18,680 --> 00:18:19,320
Speaker 3: for loving me.

382
00:18:19,480 --> 00:18:23,040
Speaker 2: Still. Yes, yes, and I know he just would have

383
00:18:23,119 --> 00:18:25,560
Speaker 2: wanted to do that like he was, you know, wanted

384
00:18:25,600 --> 00:18:28,480
Speaker 2: to do the traditional thing. And I'm so glad that

385
00:18:28,600 --> 00:18:30,600
Speaker 2: he got all of his money back. Oh he did,

386
00:18:30,840 --> 00:18:34,200
Speaker 2: he did, he did, so thankful for that and I

387
00:18:34,280 --> 00:18:36,560
Speaker 2: hope he paid it off and just close that. But

388
00:18:36,680 --> 00:18:38,040
Speaker 2: I know he probably did you.

389
00:18:38,040 --> 00:18:40,920
Speaker 3: Do anything, Petty, did you like Telly his family, because

390
00:18:40,960 --> 00:18:42,920
Speaker 3: like I would have just taken those receipts street to

391
00:18:42,960 --> 00:18:44,840
Speaker 3: his mum. I'm so sorry. I'm just that person.

392
00:18:45,160 --> 00:18:48,840
Speaker 2: Well, look, it gets even juicier because it does because

393
00:18:48,880 --> 00:18:51,159
Speaker 2: his dad actually had an affair with her mom, so

394
00:18:51,840 --> 00:18:53,600
Speaker 2: you know, keep it in the family, keep it in

395
00:18:53,680 --> 00:18:56,040
Speaker 2: the family, drop it.

396
00:18:56,320 --> 00:18:58,800
Speaker 3: So it was basically intestuous. I loved this for them.

397
00:18:59,320 --> 00:19:01,879
Speaker 2: I'm very cute. Yeah, I'm just so glad. I'm just

398
00:19:01,960 --> 00:19:04,040
Speaker 2: out of it. Like they honestly, they did, they do me.

399
00:19:04,320 --> 00:19:06,840
Speaker 3: I'm glad you are too. You deserve so much more.

400
00:19:07,600 --> 00:19:10,200
Speaker 2: Actually made me realize that, you know, I was so

401
00:19:10,400 --> 00:19:13,399
Speaker 2: embarrassed of my life because of what I saw that

402
00:19:13,480 --> 00:19:16,440
Speaker 2: they had. It made me put things into perspective and

403
00:19:16,560 --> 00:19:20,000
Speaker 2: realized that I shouldn't feel that way about my parents

404
00:19:20,119 --> 00:19:23,520
Speaker 2: because they're better people than that, exactly, And.

405
00:19:23,560 --> 00:19:26,119
Speaker 3: I'm really sorry. Like, just because it was toxic with

406
00:19:26,240 --> 00:19:29,719
Speaker 3: your situation like that doesn't mean we have to accept

407
00:19:29,760 --> 00:19:33,520
Speaker 3: it anywhere else, Like, oh yeah, what the hell? One

408
00:19:33,560 --> 00:19:36,160
Speaker 3: out of ten rating for him? Also glad you kicked

409
00:19:36,240 --> 00:19:38,320
Speaker 3: him to the curb two months before the wedding. How

410
00:19:38,359 --> 00:19:40,600
Speaker 3: did he respond? Was he like, no, I'm not.

411
00:19:41,160 --> 00:19:43,479
Speaker 2: Initially he did the whole I'm going to commit suicide thing?

412
00:19:43,600 --> 00:19:45,800
Speaker 3: Oh yeah, do you know what if if anyone ever

413
00:19:45,920 --> 00:19:49,520
Speaker 3: does that, called the cops. Yeah, that's a threat. How

414
00:19:49,560 --> 00:19:50,280
Speaker 3: did you deal with that?

415
00:19:50,800 --> 00:19:53,320
Speaker 2: I don't know. I really can't remember. I feel like

416
00:19:53,440 --> 00:19:56,320
Speaker 2: I blocked it was so traumatic that I've just blocked it.

417
00:19:56,600 --> 00:19:59,240
Speaker 2: And I do have to admit I did stay in

418
00:19:59,320 --> 00:20:02,240
Speaker 2: that relationship for another twelve months because I was just like,

419
00:20:02,440 --> 00:20:05,240
Speaker 2: you canceled the wedding. I feel like we all deal

420
00:20:05,280 --> 00:20:08,359
Speaker 2: with things in different ways. Absolutely no judgment. But for

421
00:20:08,480 --> 00:20:12,119
Speaker 2: anyone listening, if a partner or someone related to you

422
00:20:12,400 --> 00:20:15,720
Speaker 2: ever threatens that, you call the police immediately and you

423
00:20:15,880 --> 00:20:18,479
Speaker 2: take them nothing but seriously, like you need to call

424
00:20:18,480 --> 00:20:19,040
Speaker 2: an ambulance.

425
00:20:19,080 --> 00:20:22,280
Speaker 3: I'm really sorry. If someone is threatening their life, you

426
00:20:22,480 --> 00:20:23,399
Speaker 3: call an ambulance.

427
00:20:23,640 --> 00:20:23,680
Speaker 1: Like.

428
00:20:23,960 --> 00:20:27,720
Speaker 3: People should not be threatening that. And if they mentally unwell,

429
00:20:28,080 --> 00:20:30,159
Speaker 3: whether they are threatening that for real or they're just

430
00:20:30,200 --> 00:20:35,000
Speaker 3: trying to be manipulative, call them. Yeah, hands down, I'll

431
00:20:35,040 --> 00:20:35,800
Speaker 3: take you seriously.

432
00:20:36,440 --> 00:20:38,840
Speaker 2: Yeah. I've heard you say that on this podcast before,

433
00:20:38,880 --> 00:20:41,119
Speaker 2: and I yeah, I think that's such great advice.

434
00:20:41,320 --> 00:20:44,040
Speaker 3: I don't know, I just feel like sometimes it gets

435
00:20:44,119 --> 00:20:46,760
Speaker 3: thrown around too flippantly. I'm really sorry, but if you're

436
00:20:46,800 --> 00:20:49,159
Speaker 3: going to threaten that as a way of manipulating me,

437
00:20:49,280 --> 00:20:50,440
Speaker 3: I absolutely know you are not.

438
00:20:51,119 --> 00:20:51,320
Speaker 2: Yeah.

439
00:20:51,960 --> 00:20:55,520
Speaker 3: Yeah, Oh my goodness. So another twelve months in this relationship.

440
00:20:55,680 --> 00:20:59,280
Speaker 3: Was it an enjoyable twelve months or a struggling twelve

441
00:20:59,359 --> 00:21:01,760
Speaker 3: months of to make it work when it was never

442
00:21:01,880 --> 00:21:02,360
Speaker 3: going to work.

443
00:21:02,720 --> 00:21:06,000
Speaker 2: It was a struggle, And honestly, my best advice that

444
00:21:06,280 --> 00:21:08,879
Speaker 2: if anyone's ever with someone that cheats and think they

445
00:21:08,960 --> 00:21:11,359
Speaker 2: can make it work, most of the time you just can't,

446
00:21:11,440 --> 00:21:14,280
Speaker 2: and it changes you as a person and you become

447
00:21:14,400 --> 00:21:17,840
Speaker 2: resentful and spiteful, and I just became a really bad

448
00:21:17,920 --> 00:21:19,960
Speaker 2: version of myself. And I'm not proud of the person

449
00:21:20,040 --> 00:21:23,119
Speaker 2: that I was during that twelve months. Well I am.

450
00:21:24,240 --> 00:21:26,520
Speaker 3: She was coming to the conclusion that that wasn't the

451
00:21:26,640 --> 00:21:29,000
Speaker 3: right fit for her and sometimes you need to learn

452
00:21:29,040 --> 00:21:30,200
Speaker 3: a few hard lessons.

453
00:21:30,720 --> 00:21:35,960
Speaker 2: Yeah, yeah, But then COVID hit and I think three

454
00:21:36,080 --> 00:21:39,000
Speaker 2: weeks in lockdown together and it was that was done.

455
00:21:39,160 --> 00:21:39,920
Speaker 3: Oh we were done.

456
00:21:40,960 --> 00:21:45,240
Speaker 2: Yeah, when you get forced to actually spend time together

457
00:21:45,400 --> 00:21:47,919
Speaker 2: and we realized pretty recklarly that this was not going

458
00:21:47,960 --> 00:21:48,240
Speaker 2: to work.

459
00:21:48,560 --> 00:21:51,800
Speaker 3: No, but also good and so you break up. It's

460
00:21:51,880 --> 00:21:55,280
Speaker 3: COVID one out of ten. Timing what happens next, Well,

461
00:21:55,359 --> 00:21:55,639
Speaker 3: he was.

462
00:21:55,640 --> 00:21:58,520
Speaker 2: Pretty determined to keep the house and he had a

463
00:21:58,560 --> 00:22:02,040
Speaker 2: real emotional attachment to that house, and honestly, I was like,

464
00:22:02,160 --> 00:22:05,560
Speaker 2: what have I like? I yeah, I don't want to

465
00:22:05,600 --> 00:22:08,399
Speaker 2: be here. It just holds so many bad memories for me.

466
00:22:09,200 --> 00:22:12,040
Speaker 2: And my best friend at the time was just on

467
00:22:12,160 --> 00:22:13,520
Speaker 2: the phone to me and she was like, just get

468
00:22:13,600 --> 00:22:16,320
Speaker 2: here right now. I've got a spare room, I've set

469
00:22:16,440 --> 00:22:18,280
Speaker 2: up a TV in there for you, Like, just pack

470
00:22:18,359 --> 00:22:21,639
Speaker 2: your bags. Let's go stop it. She's like, I've been

471
00:22:21,720 --> 00:22:27,120
Speaker 2: playing house come yes, yes, yes, So I moved out

472
00:22:27,200 --> 00:22:29,920
Speaker 2: and I will give this guy credit where credits due.

473
00:22:30,560 --> 00:22:35,119
Speaker 2: The financial side of things was settled very amicably and

474
00:22:35,280 --> 00:22:38,560
Speaker 2: there was oh god, there's no lawyers involved. It was

475
00:22:39,520 --> 00:22:42,800
Speaker 2: very calm and we're both very happy with the outcome.

476
00:22:42,960 --> 00:22:45,639
Speaker 2: So it ended on a positive note. That's all I

477
00:22:45,720 --> 00:22:46,159
Speaker 2: can ask for.

478
00:22:46,560 --> 00:22:48,800
Speaker 3: He owed that to you, I'm telling you right now,

479
00:22:49,200 --> 00:22:51,520
Speaker 3: after putting you through that amount of stress and making

480
00:22:51,560 --> 00:22:55,359
Speaker 3: you cancel a wedding two months before it happened. Yeah, no, no,

481
00:22:55,560 --> 00:22:57,520
Speaker 3: he owed that to you. I'm so glad you got it.

482
00:22:57,840 --> 00:23:02,520
Speaker 2: Yeah. So we sat grated in the April. The settlement

483
00:23:02,640 --> 00:23:06,240
Speaker 2: all went through in the July, and by October I

484
00:23:06,400 --> 00:23:09,240
Speaker 2: purchased my home that we're living in now, and I

485
00:23:09,359 --> 00:23:10,359
Speaker 2: love it. Stop it.

486
00:23:11,560 --> 00:23:14,200
Speaker 3: I love that. All by yourself or by myself.

487
00:23:14,400 --> 00:23:16,680
Speaker 2: I had some really good friends help me during that time,

488
00:23:16,720 --> 00:23:18,639
Speaker 2: because I didn't have any family around me, and they

489
00:23:18,640 --> 00:23:22,199
Speaker 2: would come to house inspections for me and ask all

490
00:23:22,240 --> 00:23:26,200
Speaker 2: the questions and helping me put together furniture. And I'm

491
00:23:26,720 --> 00:23:28,600
Speaker 2: just so lucky you to have the friend trips that

492
00:23:28,680 --> 00:23:31,160
Speaker 2: I do. Have because I think if I didn't have them,

493
00:23:31,320 --> 00:23:33,200
Speaker 2: I wouldn't be in this position today.

494
00:23:33,200 --> 00:23:37,280
Speaker 3: Oh my god, what I can't again. You deserve those friends.

495
00:23:37,520 --> 00:23:39,040
Speaker 3: Good things happened to good people.

496
00:23:39,240 --> 00:23:41,000
Speaker 2: I think they were just waiting. They were just waiting

497
00:23:41,040 --> 00:23:43,119
Speaker 2: for me to leave. And then they're like great, like,

498
00:23:43,440 --> 00:23:45,879
Speaker 2: let's make sure she's in a position where she's not

499
00:23:45,960 --> 00:23:46,520
Speaker 2: going to go back.

500
00:23:46,680 --> 00:23:49,840
Speaker 3: I'm not gonna lie. That's me with a couple of friends,

501
00:23:50,480 --> 00:23:53,480
Speaker 3: and I just go I'll just wait here. That's fine,

502
00:23:53,680 --> 00:23:56,480
Speaker 3: you come to that conclusion, I will be right here.

503
00:23:57,040 --> 00:23:59,880
Speaker 3: Like my husband, And this is a complete side note.

504
00:24:00,200 --> 00:24:02,680
Speaker 3: People aren't like Victoria, you're not talking about money. My

505
00:24:02,840 --> 00:24:06,480
Speaker 3: husband says that I like to quote collect strays, and

506
00:24:06,560 --> 00:24:09,040
Speaker 3: they're not necessarily strays. But I will come home from

507
00:24:09,359 --> 00:24:11,359
Speaker 3: work one day and be like, by the way, x

508
00:24:11,440 --> 00:24:13,480
Speaker 3: y Z is moving in with us for a few weeks,

509
00:24:13,520 --> 00:24:17,840
Speaker 3: and he'll be like great, perfect, just because I'm just like, no,

510
00:24:18,119 --> 00:24:20,560
Speaker 3: it's gonna happen. And I feel so lucky to have

511
00:24:20,680 --> 00:24:23,480
Speaker 3: the space for you. Come. It's fine, Like I just

512
00:24:23,520 --> 00:24:26,240
Speaker 3: don't want you to be by yourself, and most importantly,

513
00:24:26,640 --> 00:24:28,320
Speaker 3: I don't want you to go back to them.

514
00:24:28,440 --> 00:24:31,160
Speaker 2: Yes, and it gives you an excuse to just drink

515
00:24:31,240 --> 00:24:36,080
Speaker 2: wine and gossip and talk shit about the guy. And yeah, exactly,

516
00:24:36,400 --> 00:24:38,119
Speaker 2: and that's cathartic exactly.

517
00:24:39,440 --> 00:24:42,280
Speaker 3: So how old are you when you bought this house?

518
00:24:43,000 --> 00:24:46,120
Speaker 2: So that was twenty twenty, which was six years ago.

519
00:24:46,240 --> 00:24:46,960
Speaker 2: So I was twenty eight.

520
00:24:47,320 --> 00:24:49,720
Speaker 3: Okay, so you bought the house that you currently live in.

521
00:24:50,000 --> 00:24:53,160
Speaker 3: But like fast forward, you said you have two babies.

522
00:24:53,560 --> 00:24:56,040
Speaker 3: So still in the blanks, what has happened in the

523
00:24:56,119 --> 00:24:56,920
Speaker 3: last six years?

524
00:24:57,200 --> 00:25:01,560
Speaker 2: I followed suit with my parents. Sorry, twelve months later

525
00:25:02,160 --> 00:25:07,320
Speaker 2: I met my partner who I'm with today. Gorgeous, yes,

526
00:25:07,640 --> 00:25:10,080
Speaker 2: and I think because it was Coryban it was lockdown.

527
00:25:10,960 --> 00:25:13,479
Speaker 2: Things got serious very very quickly.

528
00:25:13,760 --> 00:25:16,560
Speaker 3: Oh it's a pressure cooker like it was definitely like

529
00:25:16,920 --> 00:25:19,760
Speaker 3: because you couldn't go out for dinner and spread things

530
00:25:19,800 --> 00:25:22,520
Speaker 3: out and there was no socializing with friends in between.

531
00:25:22,680 --> 00:25:24,639
Speaker 3: You were just like zero or one hundred mate, like

532
00:25:24,840 --> 00:25:25,640
Speaker 3: you're in or you're out.

533
00:25:26,119 --> 00:25:32,480
Speaker 2: Yeah. Literally, And within twelve months of becoming official, we

534
00:25:32,680 --> 00:25:35,360
Speaker 2: celebrated it our twelve months together and the very next

535
00:25:35,440 --> 00:25:39,440
Speaker 2: day I gave birth to out out this child. Stop it.

536
00:25:39,600 --> 00:25:41,080
Speaker 3: That's iconic, I.

537
00:25:41,280 --> 00:25:45,360
Speaker 2: Know, I know, and it sounds so crazy. But honestly,

538
00:25:45,520 --> 00:25:48,040
Speaker 2: I have no regrets, Like, no, I love it, happy

539
00:25:48,200 --> 00:25:49,040
Speaker 2: it it happened that way.

540
00:25:49,840 --> 00:25:53,240
Speaker 3: Just to like quickly ask what people might be thinking.

541
00:25:53,800 --> 00:25:56,040
Speaker 3: That was not planned, right, Like you didn't get with

542
00:25:56,280 --> 00:25:58,520
Speaker 3: somebody and then two three months in you were like,

543
00:25:58,720 --> 00:26:02,280
Speaker 3: let's have a baby together. That's not what happened, right, No,

544
00:26:02,600 --> 00:26:03,119
Speaker 3: definitely not.

545
00:26:03,560 --> 00:26:05,399
Speaker 2: I was just at work one day actually, and one

546
00:26:05,440 --> 00:26:07,800
Speaker 2: of my friends was like, oh, I'm pregnant, and I

547
00:26:08,440 --> 00:26:11,440
Speaker 2: was thinking, I'm like, I'm late for my period and

548
00:26:11,520 --> 00:26:12,600
Speaker 2: this has never happened before.

549
00:26:12,720 --> 00:26:14,480
Speaker 3: You were like, that feels relatable.

550
00:26:14,600 --> 00:26:18,040
Speaker 2: Yea. So I phoned one of my friends and I

551
00:26:18,200 --> 00:26:20,600
Speaker 2: was like, oh my god, I am late. And she

552
00:26:20,840 --> 00:26:23,800
Speaker 2: was like, okay, well get a pregnancy test, get a

553
00:26:23,800 --> 00:26:25,800
Speaker 2: bottle of wine, let's meet at your house.

554
00:26:25,920 --> 00:26:28,560
Speaker 3: True pregnancy tested in a bottle of wine.

555
00:26:29,119 --> 00:26:31,680
Speaker 2: I love it. Yes, I know, I know. And I

556
00:26:31,800 --> 00:26:34,240
Speaker 2: did the test and I thought it was negative.

557
00:26:34,440 --> 00:26:37,320
Speaker 3: So I drank the bottle of wine glass. Yeah, yeah, iconic.

558
00:26:37,400 --> 00:26:39,120
Speaker 2: And then it developed and you looked at it later

559
00:26:39,200 --> 00:26:42,040
Speaker 2: on the bench, Yeah, yeah, that's exactly what happened.

560
00:26:42,320 --> 00:26:46,520
Speaker 3: No, no, but we've all been there, Like, don't get

561
00:26:46,560 --> 00:26:48,800
Speaker 3: me wrong. I was trying to get pregnant, but I

562
00:26:49,040 --> 00:26:52,600
Speaker 3: thought I wasn't pregnant when I was with Chemi, and like,

563
00:26:53,200 --> 00:26:55,560
Speaker 3: I went and got a laser facial, you're not allowed those.

564
00:26:55,640 --> 00:26:58,560
Speaker 3: Well pregnant, I had like four margaritas in one night,

565
00:26:59,359 --> 00:27:01,240
Speaker 3: and then a week later I was like, I swear

566
00:27:01,680 --> 00:27:05,640
Speaker 3: like I'm not feeling good, like I swear I am pregnant. Yeah,

567
00:27:05,640 --> 00:27:08,240
Speaker 3: I was. I should have double tested or something.

568
00:27:08,359 --> 00:27:14,040
Speaker 2: Who knows. Anyway, Anyway, they're here, they're healthy, just about it.

569
00:27:14,640 --> 00:27:17,560
Speaker 2: And I think it's probably important to note that during

570
00:27:18,119 --> 00:27:21,680
Speaker 2: that twelve months or when I moved out and got

571
00:27:21,760 --> 00:27:24,360
Speaker 2: my own house, I went back to my old habits,

572
00:27:25,080 --> 00:27:27,560
Speaker 2: just ensuring I had enough to bate a mortgage, and

573
00:27:27,680 --> 00:27:32,680
Speaker 2: then the rest was just spent on country road jumpers

574
00:27:32,880 --> 00:27:36,040
Speaker 2: and a daars quills and just meaningless stuff Like I

575
00:27:36,720 --> 00:27:39,359
Speaker 2: wasn't saving during that time, and I definitely wasn't making

576
00:27:39,440 --> 00:27:42,200
Speaker 2: extra repayments when the interest rates were two forty one cent.

577
00:27:42,800 --> 00:27:44,080
Speaker 2: So mad regrets about that.

578
00:27:44,880 --> 00:27:47,320
Speaker 3: Yeah, But also, isn't it funny when you say that,

579
00:27:47,480 --> 00:27:51,560
Speaker 3: it's so relatable. I think when we talk about overspending,

580
00:27:51,760 --> 00:27:54,480
Speaker 3: we often think, oh, it's really big items, but it

581
00:27:54,600 --> 00:27:57,120
Speaker 3: really is a dares and country road, isn't it. Yeah,

582
00:27:57,520 --> 00:28:00,520
Speaker 3: like that stuff adds up. And why is it more

583
00:28:00,560 --> 00:28:01,439
Speaker 3: than eighty dollars?

584
00:28:01,560 --> 00:28:05,440
Speaker 2: Now? What the hell? I know? I know, and I

585
00:28:05,560 --> 00:28:07,720
Speaker 2: don't think I even waited for the spend and say

586
00:28:07,880 --> 00:28:10,720
Speaker 2: it was just like I just want it right uresday night.

587
00:28:10,960 --> 00:28:13,320
Speaker 3: Yeah, yeah, it's late night shopping.

588
00:28:14,440 --> 00:28:18,240
Speaker 2: Yes, but anyway, it's part of my story and I'm

589
00:28:18,280 --> 00:28:20,000
Speaker 2: doing things differently now. So that's amazing.

590
00:28:20,480 --> 00:28:23,640
Speaker 3: Love. And so we have a baby the day after

591
00:28:23,720 --> 00:28:27,240
Speaker 3: our twelve month anniversary. You got to celebrate your anniversary.

592
00:28:27,320 --> 00:28:27,760
Speaker 2: I love that.

593
00:28:28,600 --> 00:28:31,360
Speaker 3: Yes, And then now you've got two of them.

594
00:28:31,880 --> 00:28:34,160
Speaker 2: Yeah, so now I've got two of them. Sorry. When

595
00:28:34,320 --> 00:28:37,600
Speaker 2: I gave birth to my eldest child, we obviously hadn't

596
00:28:37,640 --> 00:28:40,960
Speaker 2: planned for it, so we didn't plan for the maternity leave,

597
00:28:41,280 --> 00:28:43,680
Speaker 2: and I had to go into sunder link pay and

598
00:28:44,240 --> 00:28:47,960
Speaker 2: grateful that we have that opportunity. But things were really

599
00:28:48,040 --> 00:28:51,440
Speaker 2: really tight and we were really really stressed. And then

600
00:28:53,120 --> 00:28:56,800
Speaker 2: I was catching up for lunch with a friend. I

601
00:28:56,880 --> 00:28:59,600
Speaker 2: think my son was eighteen months at this stage, and

602
00:29:00,280 --> 00:29:02,960
Speaker 2: she actually told me about your podcast.

603
00:29:03,320 --> 00:29:06,160
Speaker 3: Oh, hello, welcome, this is where I get to enter

604
00:29:06,240 --> 00:29:06,680
Speaker 3: the chat.

605
00:29:07,320 --> 00:29:09,200
Speaker 2: Yeah, this is where you went to the chat. And

606
00:29:09,280 --> 00:29:12,120
Speaker 2: my partner had been saying things to me like we

607
00:29:12,320 --> 00:29:15,440
Speaker 2: need to get serious and you need to rain any spending,

608
00:29:15,600 --> 00:29:18,280
Speaker 2: and we need to think about our future. But it

609
00:29:18,480 --> 00:29:21,880
Speaker 2: wasn't until yeah, like I was introduced to your podcast

610
00:29:22,120 --> 00:29:25,080
Speaker 2: and I don't know, things were explained to me in

611
00:29:25,160 --> 00:29:28,960
Speaker 2: a fun and exciting, in a relatable way that it

612
00:29:29,400 --> 00:29:33,360
Speaker 2: started to stick and I started to put into place

613
00:29:33,480 --> 00:29:36,560
Speaker 2: and things to ensure that we had financial security for

614
00:29:36,640 --> 00:29:37,120
Speaker 2: our future.

615
00:29:37,280 --> 00:29:41,520
Speaker 3: I adore that, But also, isn't it so strange how

616
00:29:41,600 --> 00:29:45,080
Speaker 3: much pressure it feels, or like how much pressure gets

617
00:29:45,120 --> 00:29:48,120
Speaker 3: put on you by yourself when people are saying things like, oh,

618
00:29:48,160 --> 00:29:50,040
Speaker 3: money direst you need to get it together, or we

619
00:29:50,160 --> 00:29:52,960
Speaker 3: really need to talk about you know, being better with money,

620
00:29:53,520 --> 00:29:55,880
Speaker 3: but not knowing where to channel that energy and also

621
00:29:55,960 --> 00:29:57,800
Speaker 3: not feeling like you've got any of the tools or

622
00:29:57,880 --> 00:30:00,000
Speaker 3: resources like just going out. Oh my god, every time

623
00:30:00,000 --> 00:30:02,360
Speaker 3: time he mentioned it, you probably like, yep, yep, cool,

624
00:30:02,440 --> 00:30:04,240
Speaker 3: no worries, I will, I will, And then you just

625
00:30:04,280 --> 00:30:07,280
Speaker 3: don't know where to channel that energy. And then all

626
00:30:07,320 --> 00:30:09,160
Speaker 3: of a sudden, there seems to be a piece of

627
00:30:09,240 --> 00:30:11,720
Speaker 3: content that is for you and directed at you, and

628
00:30:11,800 --> 00:30:14,680
Speaker 3: you're like, wait, this doesn't need to be as hard

629
00:30:14,840 --> 00:30:17,240
Speaker 3: or as overwhelming. What the hell like, I didn't expect

630
00:30:17,280 --> 00:30:21,640
Speaker 3: it to be as consumable as it was feeling before. Yeah.

631
00:30:22,040 --> 00:30:25,640
Speaker 2: And I think also, like it's really easy to just

632
00:30:25,720 --> 00:30:29,440
Speaker 2: be like, well, we don't know millions, so we don't

633
00:30:29,480 --> 00:30:33,400
Speaker 2: have the ability to do those things and set ourselves

634
00:30:33,480 --> 00:30:34,160
Speaker 2: up for the future.

635
00:30:34,720 --> 00:30:34,920
Speaker 4: Yeah.

636
00:30:35,160 --> 00:30:39,320
Speaker 3: Crazy. So fuss forward, You've entered the shees on the

637
00:30:39,400 --> 00:30:44,160
Speaker 3: money chat. Ye, new personality is into the villa. And

638
00:30:44,440 --> 00:30:48,120
Speaker 3: then what happens You start to get your money story together.

639
00:30:48,720 --> 00:30:51,080
Speaker 2: I start to get my money story together. I purchase

640
00:30:51,160 --> 00:30:54,480
Speaker 2: your Money Masterclass. Thank you. I purchased it on my

641
00:30:54,560 --> 00:30:58,040
Speaker 2: credit card. You gotta do what you got to do.

642
00:30:58,520 --> 00:31:01,000
Speaker 3: I didn't even offer after pay for a reason on that.

643
00:31:01,200 --> 00:31:03,720
Speaker 3: I was like, nah, like, I'm so sorry if you

644
00:31:03,800 --> 00:31:05,560
Speaker 3: have to buy this enough to pay, I'm not letting

645
00:31:05,600 --> 00:31:08,840
Speaker 3: people buy I'm not accepting after pay forgetting that people

646
00:31:08,880 --> 00:31:10,480
Speaker 3: could just put it on their credit cards.

647
00:31:11,280 --> 00:31:14,040
Speaker 2: Yeah, that was me. And I also did the thing

648
00:31:14,480 --> 00:31:16,480
Speaker 2: that you say not to do at the start of

649
00:31:16,520 --> 00:31:19,440
Speaker 2: the master class, which is don't go straight to the spreadgey.

650
00:31:19,840 --> 00:31:21,080
Speaker 2: And I was like, I have to go straight to

651
00:31:21,120 --> 00:31:22,600
Speaker 2: the sproadgie. I try.

652
00:31:22,800 --> 00:31:25,800
Speaker 3: I try to tell you. I tried, I tried, but

653
00:31:25,920 --> 00:31:26,600
Speaker 3: you are just me.

654
00:31:27,080 --> 00:31:27,480
Speaker 2: You are me.

655
00:31:27,680 --> 00:31:29,400
Speaker 3: That's exactly what I would do. And you know I

656
00:31:29,520 --> 00:31:31,240
Speaker 3: had to tell you because I knew you would do it,

657
00:31:31,280 --> 00:31:35,560
Speaker 3: because I would do it. Yeah, so that is our bible.

658
00:31:35,640 --> 00:31:38,040
Speaker 2: Now, that is what we live off. That spreadsheet. It

659
00:31:38,160 --> 00:31:44,080
Speaker 2: is so pretty. And yeah, like I'm constantly reviewing our

660
00:31:44,360 --> 00:31:49,000
Speaker 2: insurances every year. Now, I'm obsessed with you love this,

661
00:31:49,840 --> 00:31:55,360
Speaker 2: comparing utilities. We have an emergency savings account, Yes, you do.

662
00:31:56,120 --> 00:31:56,400
Speaker 1: Love.

663
00:31:57,360 --> 00:32:02,360
Speaker 2: I started dabbling in investing and paying extra off the mortgage,

664
00:32:02,400 --> 00:32:04,160
Speaker 2: which is something that's really important for me.

665
00:32:04,760 --> 00:32:08,320
Speaker 3: Yet love, Okay, and then when does baby number two

666
00:32:08,360 --> 00:32:08,800
Speaker 3: come along?

667
00:32:09,240 --> 00:32:13,920
Speaker 2: She came along nine months ago. Now she was planned,

668
00:32:14,640 --> 00:32:18,120
Speaker 2: but yeah, she's our last baby and very very thankful

669
00:32:18,160 --> 00:32:18,360
Speaker 2: for it.

670
00:32:18,800 --> 00:32:22,800
Speaker 3: That's so exciting. And now what's the plan moving from here?

671
00:32:22,840 --> 00:32:26,320
Speaker 3: If you've decided okay, that's our last baby, two kids,

672
00:32:26,520 --> 00:32:29,400
Speaker 3: we are done. What does the future look like?

673
00:32:30,000 --> 00:32:32,680
Speaker 2: Well, we have our short term goals and at the moment,

674
00:32:32,760 --> 00:32:35,120
Speaker 2: we're just fixing up our house that we're living in

675
00:32:35,320 --> 00:32:38,720
Speaker 2: and giving it some personality and some love and making

676
00:32:39,040 --> 00:32:42,680
Speaker 2: it a space that we feel really proud of. Medium term,

677
00:32:42,800 --> 00:32:48,120
Speaker 2: we are engaged. We got engaged. Yeah, oh I love love.

678
00:32:48,920 --> 00:32:52,760
Speaker 2: So that's really really exciting. And we don't want a

679
00:32:52,800 --> 00:32:55,480
Speaker 2: big wedding, you know, I nearly want ahead with a

680
00:32:55,520 --> 00:32:58,160
Speaker 2: big wedding and I'm not doing that again. So it'll

681
00:32:58,280 --> 00:33:01,280
Speaker 2: just be something really that's fair. Yeah, something really small

682
00:33:01,360 --> 00:33:04,080
Speaker 2: and intimate and like my vision is that we will

683
00:33:04,280 --> 00:33:08,000
Speaker 2: just book a house for the weekend after we actually

684
00:33:08,120 --> 00:33:11,320
Speaker 2: have the official ceremony and then invital of our friends

685
00:33:11,360 --> 00:33:14,720
Speaker 2: and families and spy pizza, b my alcohol. I don't

686
00:33:14,760 --> 00:33:18,760
Speaker 2: want any gifts. Bring your kids, yeah, just super chick.

687
00:33:18,840 --> 00:33:20,520
Speaker 3: Bring your kids is iconic.

688
00:33:21,040 --> 00:33:21,280
Speaker 2: Yeah.

689
00:33:21,520 --> 00:33:24,240
Speaker 3: I know lots of people have weddings and say no kids.

690
00:33:25,360 --> 00:33:27,640
Speaker 3: The kids at my wedding made it, but it was

691
00:33:27,800 --> 00:33:29,760
Speaker 3: just I know that I have kids now, so it

692
00:33:29,800 --> 00:33:31,880
Speaker 3: probably means more. But I didn't have kids then, and

693
00:33:31,960 --> 00:33:35,520
Speaker 3: I was obsessed like just little humans. Their magic. I

694
00:33:35,560 --> 00:33:38,880
Speaker 3: don't know what's in them. Sometimes they're crazy, sometimes they

695
00:33:39,000 --> 00:33:42,320
Speaker 3: ruin things, but mostly magic, I think.

696
00:33:42,680 --> 00:33:45,760
Speaker 2: Yeah, And I think it's important to note too that

697
00:33:45,920 --> 00:33:49,760
Speaker 2: my partner's actually not from Australia, so we will be

698
00:33:50,320 --> 00:33:53,160
Speaker 2: going overseas hopefully at the end of next year and

699
00:33:53,280 --> 00:33:55,720
Speaker 2: celebrating with them. Too. You're over there, so that's really

700
00:33:55,720 --> 00:33:56,400
Speaker 2: important for us.

701
00:33:56,480 --> 00:34:00,280
Speaker 3: That's so exciting. But what type of financial planning do

702
00:34:00,360 --> 00:34:02,080
Speaker 3: you have to do for that moving forward?

703
00:34:02,160 --> 00:34:02,280
Speaker 2: Then?

704
00:34:02,640 --> 00:34:05,600
Speaker 3: Is that something where you'll consistently go overseas with you

705
00:34:05,800 --> 00:34:07,760
Speaker 3: and the kids to go visit family.

706
00:34:08,160 --> 00:34:11,200
Speaker 2: Definitely? I love traveling anyway, and I'm so grateful that

707
00:34:11,239 --> 00:34:13,440
Speaker 2: I've been able to give my kids so these experiences.

708
00:34:13,560 --> 00:34:16,320
Speaker 2: My first child's been on two international trips now and

709
00:34:17,239 --> 00:34:20,759
Speaker 2: my daughter k son calm down, my daughter's about to

710
00:34:20,800 --> 00:34:23,480
Speaker 2: go on her first one for a birthday, and so, yeah,

711
00:34:23,560 --> 00:34:26,120
Speaker 2: travel is definitely in our future, and I think it's

712
00:34:26,239 --> 00:34:28,440
Speaker 2: really important for my partner to be able to go

713
00:34:28,680 --> 00:34:31,560
Speaker 2: and visit his family often and for our kids to

714
00:34:31,600 --> 00:34:34,200
Speaker 2: have a relationship with his family, Like that's really really

715
00:34:34,239 --> 00:34:35,200
Speaker 2: important to both of us.

716
00:34:35,560 --> 00:34:38,840
Speaker 3: Adore, all right, tell me how much money do you

717
00:34:38,920 --> 00:34:40,279
Speaker 3: and what do you actually do for work?

718
00:34:40,760 --> 00:34:44,279
Speaker 2: So I'm a nurse and I work part time seven

719
00:34:44,320 --> 00:34:47,040
Speaker 2: ships a fortnight and I am king between ninety and

720
00:34:47,080 --> 00:34:50,839
Speaker 2: one hundred thousand dollars a year before tax plus supernation.

721
00:34:51,320 --> 00:34:56,400
Speaker 3: Oh okay, yeah, that's nice, and that's your part time income.

722
00:34:56,760 --> 00:34:58,680
Speaker 3: What type of nursing are we doing?

723
00:34:58,920 --> 00:35:00,720
Speaker 2: I'm an associate nurse, you know, manager.

724
00:35:01,000 --> 00:35:03,279
Speaker 3: So she's a big dog. She's a big dog, she's

725
00:35:03,320 --> 00:35:03,960
Speaker 3: a fancy girl.

726
00:35:04,080 --> 00:35:05,440
Speaker 2: Play that. I would not say that.

727
00:35:05,640 --> 00:35:08,160
Speaker 3: You and I both know that's impressive. So you just

728
00:35:08,280 --> 00:35:11,960
Speaker 3: sit down, all right, that is very impressive. Talk to

729
00:35:12,080 --> 00:35:14,800
Speaker 3: me about your big money goals. Like you mentioned that

730
00:35:14,880 --> 00:35:16,880
Speaker 3: you're getting married, but you're also trying to make the

731
00:35:16,960 --> 00:35:19,600
Speaker 3: house somewhere that you're really proud of. But you also

732
00:35:19,719 --> 00:35:22,239
Speaker 3: have overseas travel. What are your big money goals? What

733
00:35:22,280 --> 00:35:23,680
Speaker 3: are you currently working towards.

734
00:35:24,239 --> 00:35:26,800
Speaker 2: Look, I think we would love to have a house

735
00:35:27,480 --> 00:35:32,600
Speaker 2: on the beach one day. But given my childhood and

736
00:35:32,640 --> 00:35:34,360
Speaker 2: where I've come from and the roller coaster of a

737
00:35:34,400 --> 00:35:37,840
Speaker 2: life that I've lived, honestly, success to me it just

738
00:35:37,960 --> 00:35:41,160
Speaker 2: looks like being able to pay for my groceries every week,

739
00:35:41,680 --> 00:35:45,840
Speaker 2: cover my bills, give my children some really nice experiences,

740
00:35:46,040 --> 00:35:48,080
Speaker 2: and just not having to stress like that is just

741
00:35:48,200 --> 00:35:51,400
Speaker 2: the ultimate goal. Like I don't need fancy things. I

742
00:35:51,440 --> 00:35:55,200
Speaker 2: don't want designer bags or twenty houses or anything like that.

743
00:35:55,600 --> 00:35:58,160
Speaker 2: I just want to be comfortable and I just don't

744
00:35:58,160 --> 00:36:04,480
Speaker 2: want to have money being a huge stress in my life. Yeah,

745
00:36:04,800 --> 00:36:05,920
Speaker 2: I think that's an everyone's goal.

746
00:36:06,880 --> 00:36:09,800
Speaker 3: Well, you say that, but I think that that's a

747
00:36:09,880 --> 00:36:14,400
Speaker 3: really wholesome goal, and unfortunately it's come from negative experiences

748
00:36:14,440 --> 00:36:16,640
Speaker 3: of being like, well, there have been times where we

749
00:36:16,840 --> 00:36:18,799
Speaker 3: haven't been able to do that, or there are gas

750
00:36:18,880 --> 00:36:21,680
Speaker 3: got cut off, or you know, so many other things,

751
00:36:21,800 --> 00:36:26,839
Speaker 3: and unfortunately it has come from trauma. But I think

752
00:36:26,880 --> 00:36:29,279
Speaker 3: that just to be able to take things like that

753
00:36:30,040 --> 00:36:34,080
Speaker 3: not for granted is actually a really big goal of

754
00:36:34,160 --> 00:36:36,680
Speaker 3: a lot of people's because they just go, oh, well,

755
00:36:36,960 --> 00:36:39,120
Speaker 3: I'm not enough, I'm not this, I'm not that. But like,

756
00:36:39,760 --> 00:36:41,719
Speaker 3: just being grateful for the small things means that the

757
00:36:41,800 --> 00:36:44,640
Speaker 3: big things mean so much more. Like you will just

758
00:36:44,719 --> 00:36:47,160
Speaker 3: find so much joy in everyday life if you can

759
00:36:47,239 --> 00:36:49,600
Speaker 3: appreciate what you already have at home, and that is

760
00:36:49,719 --> 00:36:51,200
Speaker 3: just so nice.

761
00:36:51,960 --> 00:36:54,400
Speaker 2: Yeah, and look, I had a moment last week where like,

762
00:36:54,760 --> 00:36:57,080
Speaker 2: I took my son to the dentist for a first time,

763
00:36:57,680 --> 00:36:59,719
Speaker 2: and he's going to need work done, and I was

764
00:36:59,760 --> 00:37:02,239
Speaker 2: just like, yeah, fine, let's book it in. And then

765
00:37:02,600 --> 00:37:04,560
Speaker 2: I had a memory of when I went to the

766
00:37:04,640 --> 00:37:06,640
Speaker 2: dentist for the first time and I was a teenager

767
00:37:06,760 --> 00:37:09,920
Speaker 2: because honestly, we're barely affortitude brush at that stage, and

768
00:37:10,040 --> 00:37:12,000
Speaker 2: I had to get like three or four feelings done,

769
00:37:12,320 --> 00:37:14,880
Speaker 2: and I remember my parents having to be like, we

770
00:37:15,000 --> 00:37:16,920
Speaker 2: can only get one done today, Like we're not going

771
00:37:16,960 --> 00:37:18,880
Speaker 2: to be able to get them all done today. So

772
00:37:19,400 --> 00:37:22,839
Speaker 2: just to be able to, you know, take my son

773
00:37:22,880 --> 00:37:24,680
Speaker 2: to the dentist and get the work done that he

774
00:37:24,800 --> 00:37:28,680
Speaker 2: needs just feels like, Yeah, that just feels like success

775
00:37:28,760 --> 00:37:31,480
Speaker 2: to me. And I'm super that is success.

776
00:37:31,800 --> 00:37:36,359
Speaker 3: That is so successful. I'm obsessed, like what a money

777
00:37:36,440 --> 00:37:39,319
Speaker 3: glow up? Like what a money story glow up? Let's

778
00:37:39,320 --> 00:37:41,600
Speaker 3: go to a really quick break because on the flip side,

779
00:37:41,840 --> 00:37:43,920
Speaker 3: I want to talk about investing, I want to talk

780
00:37:43,960 --> 00:37:46,440
Speaker 3: about debt, I want to talk about the personal insurances

781
00:37:46,480 --> 00:37:48,759
Speaker 3: you touched on. And then I'm pretty sure over this

782
00:37:48,840 --> 00:37:50,880
Speaker 3: period of time you've got some pretty good money habits

783
00:37:50,920 --> 00:37:53,480
Speaker 3: that you could share with us. So guys, don't go anywhere.

784
00:37:57,040 --> 00:38:00,440
Speaker 3: Our one thousandth episode is coming up soon. To celebrate,

785
00:38:00,480 --> 00:38:03,359
Speaker 3: we're giving one clever listener a chance to win She's

786
00:38:03,480 --> 00:38:09,160
Speaker 3: Stashed the Cash. Today's mystery word is thousand. Tune into

787
00:38:09,200 --> 00:38:11,719
Speaker 3: episodes of She's on the Money between the seventeenth of

788
00:38:11,800 --> 00:38:14,160
Speaker 3: June and the third of July and listen out for

789
00:38:14,239 --> 00:38:17,080
Speaker 3: the hidden code words. They're are five in total. The

790
00:38:17,200 --> 00:38:19,680
Speaker 3: first person to arrange the code words in the correct

791
00:38:19,800 --> 00:38:23,600
Speaker 3: order will win one thousand dollars. Entries open on Friday,

792
00:38:23,600 --> 00:38:26,479
Speaker 3: the third of July, with details shared live on the pod.

793
00:38:26,960 --> 00:38:30,360
Speaker 3: Good luck and happy hunting. All right, money diarist, we

794
00:38:30,480 --> 00:38:33,600
Speaker 3: are back and you were introduced to the She's on

795
00:38:33,680 --> 00:38:37,600
Speaker 3: the Money community by obviously the best friend you've ever had. Like,

796
00:38:37,920 --> 00:38:38,680
Speaker 3: what an icon?

797
00:38:38,920 --> 00:38:39,520
Speaker 2: I love her?

798
00:38:40,400 --> 00:38:43,960
Speaker 3: But are you currently investing? If so, what does that

799
00:38:44,080 --> 00:38:44,480
Speaker 3: look like?

800
00:38:45,080 --> 00:38:47,759
Speaker 2: Yes, so our pull out mown routes for We're fun.

801
00:38:48,160 --> 00:38:53,000
Speaker 2: I don't have a huge extensive investing portfolio, but I

802
00:38:53,120 --> 00:38:56,200
Speaker 2: have one hundred and seventy thousand dollars in my superannuation account.

803
00:38:56,600 --> 00:38:58,640
Speaker 3: Sorry what could you just say that again? One hundred

804
00:38:58,640 --> 00:39:02,480
Speaker 3: and seventy thousand dollars? Yes, okay, queen.

805
00:39:02,920 --> 00:39:06,440
Speaker 2: I haven't made any extra contributions to that, so that's

806
00:39:06,560 --> 00:39:09,000
Speaker 2: just in the defol account you've seem so.

807
00:39:09,239 --> 00:39:11,840
Speaker 3: For those of you playing along at home, this interview

808
00:39:11,920 --> 00:39:14,360
Speaker 3: is only audio, but I can see our money dost.

809
00:39:14,600 --> 00:39:17,200
Speaker 3: She's looking at me like, maybe that's not enough, Queen?

810
00:39:17,280 --> 00:39:19,239
Speaker 3: How did you get one hundred and seventy thousand dollars

811
00:39:19,320 --> 00:39:22,840
Speaker 3: with no additional contributions at thirty four years of age,

812
00:39:23,200 --> 00:39:23,400
Speaker 3: I have.

813
00:39:23,480 --> 00:39:25,920
Speaker 2: No idea, like I, I'm just with a debut. That's

814
00:39:26,280 --> 00:39:26,840
Speaker 2: the depault.

815
00:39:27,040 --> 00:39:29,960
Speaker 3: Oh good, Have you been working since you were two

816
00:39:30,040 --> 00:39:30,919
Speaker 3: years old or something?

817
00:39:31,360 --> 00:39:34,520
Speaker 2: No, I haven't. But it's in the balanced growth portfolio.

818
00:39:34,680 --> 00:39:36,800
Speaker 2: And I know there's a high growth option and I

819
00:39:36,920 --> 00:39:38,960
Speaker 2: know that, and probably this should be switchy.

820
00:39:39,120 --> 00:39:41,440
Speaker 3: That's okay, but we pick what we're coming sable with.

821
00:39:41,760 --> 00:39:44,719
Speaker 2: But I haven't done anything with it, so yeah, that's up.

822
00:39:46,520 --> 00:39:49,840
Speaker 3: Just to put that in context, for a woman aged

823
00:39:50,080 --> 00:39:53,120
Speaker 3: thirty to thirty four, and you're thirty four, the average

824
00:39:53,200 --> 00:39:56,920
Speaker 3: super balance sits between forty four thousand and fifty eight

825
00:39:57,040 --> 00:40:02,240
Speaker 3: thousand dollars. Okay, well that's you're running rings around yourself,

826
00:40:02,280 --> 00:40:05,120
Speaker 3: which I am so proud of you for. But the

827
00:40:05,239 --> 00:40:07,920
Speaker 3: fact that you then said it's not even in high growth,

828
00:40:08,040 --> 00:40:12,680
Speaker 3: I was like, queen, what, I love that for you.

829
00:40:12,960 --> 00:40:14,800
Speaker 3: But that just means you've got an epic work ethic.

830
00:40:14,840 --> 00:40:17,080
Speaker 3: Clearly you've done a lot of hours to recruit that.

831
00:40:17,600 --> 00:40:19,760
Speaker 3: Are you working in an area where you get extra

832
00:40:19,920 --> 00:40:24,640
Speaker 3: super or is this just literally banking up slowly and consistently.

833
00:40:24,800 --> 00:40:27,239
Speaker 2: Before kids, I have been of a workaholic so I

834
00:40:27,360 --> 00:40:29,160
Speaker 2: was the one that was always putting myself up to

835
00:40:29,239 --> 00:40:32,800
Speaker 2: do the double shifts and overtime and things like that.

836
00:40:33,520 --> 00:40:37,160
Speaker 3: Yeah, Queen, it's paid off. Like you could just literally

837
00:40:37,280 --> 00:40:41,160
Speaker 3: have that compound and you will retire comfortably. That is

838
00:40:41,400 --> 00:40:43,879
Speaker 3: very exciting. I'm not telling you to change your risk

839
00:40:43,960 --> 00:40:47,040
Speaker 3: profile at all, but what I heard before was that

840
00:40:47,120 --> 00:40:50,040
Speaker 3: you just haven't reviewed it, not that you've reviewed it,

841
00:40:50,120 --> 00:40:52,520
Speaker 3: and you were like, no, I really like that risk profile,

842
00:40:52,960 --> 00:40:54,719
Speaker 3: you said, I haven't looked at it. So what I

843
00:40:54,800 --> 00:40:56,480
Speaker 3: want you to do is make the most of that

844
00:40:56,680 --> 00:40:59,160
Speaker 3: because and I'm not being dramatic here, it's going to

845
00:40:59,200 --> 00:41:03,800
Speaker 3: sound really druma but not caring and not actually taking

846
00:41:03,880 --> 00:41:06,800
Speaker 3: that action is going to cost you hundreds of thousands

847
00:41:06,840 --> 00:41:09,960
Speaker 3: of dollars when you retire. Like the difference between a

848
00:41:10,080 --> 00:41:13,400
Speaker 3: one percent return. Now, if you're in a different bracket,

849
00:41:13,520 --> 00:41:16,560
Speaker 3: like if you did your risk profile and came out

850
00:41:16,680 --> 00:41:19,840
Speaker 3: as a growth investor or a high growth investor, the

851
00:41:19,920 --> 00:41:22,880
Speaker 3: difference might be up to three percent, But the difference

852
00:41:22,960 --> 00:41:25,840
Speaker 3: of that over the next thirty years literally is hundreds

853
00:41:25,840 --> 00:41:28,840
Speaker 3: of thousands of dollars that you're stopping yourself from gaining.

854
00:41:29,400 --> 00:41:32,560
Speaker 3: And I promise you'll wish in hindsight that you've done

855
00:41:32,600 --> 00:41:35,280
Speaker 3: something about it. If things are getting a little bit tricky,

856
00:41:35,600 --> 00:41:38,160
Speaker 3: so it's free. Just have a look at it. I'm

857
00:41:38,200 --> 00:41:40,640
Speaker 3: not saying change your profile. If you're not comfortable with it,

858
00:41:40,760 --> 00:41:43,239
Speaker 3: don't do it. But please just look at it, like

859
00:41:43,440 --> 00:41:47,840
Speaker 3: I just please, thank you, No, I just look at it.

860
00:41:48,680 --> 00:41:50,560
Speaker 3: Just just go and look at it. And if it's scary,

861
00:41:50,600 --> 00:41:52,560
Speaker 3: you can run away, but at least you looked, and

862
00:41:52,640 --> 00:41:55,000
Speaker 3: then go and look another time when it's less overwhelming.

863
00:41:55,080 --> 00:41:57,080
Speaker 3: But like, this is stuff that we have to take

864
00:41:57,200 --> 00:41:59,840
Speaker 3: seriously and that's free. Like that is free. And in

865
00:42:00,080 --> 00:42:03,040
Speaker 3: this economy, I'm sorry, it is so hard to put

866
00:42:03,239 --> 00:42:06,719
Speaker 3: money in the right places and feel like we're consistently contributing.

867
00:42:07,160 --> 00:42:10,640
Speaker 3: But my queen, you could literally be hundreds of thousands

868
00:42:10,680 --> 00:42:12,959
Speaker 3: of dollars better off just by do win a little

869
00:42:12,960 --> 00:42:15,520
Speaker 3: bit of Bravo admin. Well maybe hopefully the kids are

870
00:42:15,520 --> 00:42:16,440
Speaker 3: still not Yeah.

871
00:42:16,480 --> 00:42:19,200
Speaker 2: Yeah, no, you're right, you're right. I definitely will, I

872
00:42:19,280 --> 00:42:19,839
Speaker 2: definitely will.

873
00:42:19,920 --> 00:42:22,600
Speaker 3: I promise I'm gonna follow you up. I'm so sorry.

874
00:42:22,640 --> 00:42:24,040
Speaker 3: I'm gonna be like, did you go look at your

875
00:42:24,080 --> 00:42:26,879
Speaker 3: thing yet? It's so sorry, but also not sorry at all.

876
00:42:27,600 --> 00:42:30,960
Speaker 2: That's that, and then I purchased our home, like I

877
00:42:31,000 --> 00:42:34,040
Speaker 2: said in twenty twenty, and that cost me about five

878
00:42:34,120 --> 00:42:35,480
Speaker 2: hundred and thirty five thousand.

879
00:42:35,640 --> 00:42:37,239
Speaker 3: I was about to ask girls, about to say, what

880
00:42:37,360 --> 00:42:39,120
Speaker 3: debt are you in? My friend? Is good debt, but

881
00:42:39,160 --> 00:42:39,960
Speaker 3: what does it look like?

882
00:42:40,160 --> 00:42:42,560
Speaker 2: We currently ow about three hundred and twenty one thousand

883
00:42:42,560 --> 00:42:43,680
Speaker 2: dollars on that mortgage.

884
00:42:44,280 --> 00:42:44,719
Speaker 3: Very cool.

885
00:42:45,000 --> 00:42:47,520
Speaker 2: And then a household two doors down from us, which

886
00:42:47,600 --> 00:42:49,520
Speaker 2: is similar to this one, that's sold for about seven

887
00:42:49,600 --> 00:42:52,640
Speaker 2: hundred thousand. So that's really good to see. Oh, very nice.

888
00:42:53,560 --> 00:42:56,400
Speaker 3: I have to be really pervy in the best of ways,

889
00:42:56,520 --> 00:43:00,440
Speaker 3: but also maybe like is this bad? Maybe a protective way,

890
00:43:00,719 --> 00:43:02,800
Speaker 3: like I love your partner, because you love your partner,

891
00:43:03,520 --> 00:43:06,160
Speaker 3: but you told me before I bought the house, like

892
00:43:06,320 --> 00:43:08,640
Speaker 3: you know, I broke up with this toxic boyfriend and

893
00:43:08,719 --> 00:43:10,200
Speaker 3: then I was able to buy a house and I

894
00:43:10,320 --> 00:43:13,520
Speaker 3: did it all by myself. And now the narrative or

895
00:43:13,600 --> 00:43:15,600
Speaker 3: the thing that I'm picking up is that you're using

896
00:43:15,680 --> 00:43:18,040
Speaker 3: this house as like a WI tell me about that,

897
00:43:18,320 --> 00:43:21,759
Speaker 3: like is this now your house combined? Like is he

898
00:43:21,960 --> 00:43:24,840
Speaker 3: paying for the mortgage? And if something happened, like what's

899
00:43:24,960 --> 00:43:25,600
Speaker 3: the plan there?

900
00:43:25,800 --> 00:43:25,960
Speaker 2: Yes?

901
00:43:26,600 --> 00:43:28,759
Speaker 3: Sorry, if that's an overwhelming.

902
00:43:28,320 --> 00:43:30,759
Speaker 2: My history, that's not an overwhelming question. Yes, this is

903
00:43:30,840 --> 00:43:33,200
Speaker 2: now our house. This is a house that we pay

904
00:43:33,280 --> 00:43:38,480
Speaker 2: for together. We have another investment property that he owns. Yeah.

905
00:43:39,160 --> 00:43:41,800
Speaker 3: Okay, so he's brought something to the relationship and hasn't

906
00:43:41,920 --> 00:43:44,160
Speaker 3: just like kind of taken over paying for some of

907
00:43:44,200 --> 00:43:46,319
Speaker 3: your mortgage and then if something happened, he'd walk away

908
00:43:46,360 --> 00:43:47,000
Speaker 3: with half your house.

909
00:43:47,040 --> 00:43:47,239
Speaker 2: Yeah.

910
00:43:47,280 --> 00:43:49,920
Speaker 3: No, like there's another asset floating in the.

911
00:43:50,000 --> 00:43:54,200
Speaker 2: Yes, there is. And then I have about three six

912
00:43:54,280 --> 00:43:55,720
Speaker 2: hundred dollars in a raise account.

913
00:43:55,840 --> 00:43:56,560
Speaker 3: Okay, that is it.

914
00:43:56,719 --> 00:43:56,919
Speaker 4: Pick.

915
00:43:57,400 --> 00:44:01,759
Speaker 2: The only reason I picked that is because when I

916
00:44:01,880 --> 00:44:05,600
Speaker 2: first started this whole thing, that just felt like the

917
00:44:05,719 --> 00:44:07,160
Speaker 2: easiest option totally.

918
00:44:07,440 --> 00:44:09,719
Speaker 3: And it's micro investing, so it doesn't feel like you're

919
00:44:09,719 --> 00:44:11,719
Speaker 3: biting off more than you can chew, right, Like it

920
00:44:11,840 --> 00:44:13,839
Speaker 3: just feels like, Okay, that's a cool gateway drug.

921
00:44:14,400 --> 00:44:16,279
Speaker 2: Yes, it's like a satin bagette thing. And I know

922
00:44:16,360 --> 00:44:18,520
Speaker 2: the things are quite high and all the.

923
00:44:18,520 --> 00:44:20,800
Speaker 3: Rest of it, but I wouldn't care. Like, to me,

924
00:44:21,000 --> 00:44:24,919
Speaker 3: that's an investment into your financial literacy. My queen is investing. Yeah,

925
00:44:25,080 --> 00:44:26,160
Speaker 3: that's what we want to see.

926
00:44:26,400 --> 00:44:28,399
Speaker 2: And I just started off with twenty five dollars a week.

927
00:44:28,440 --> 00:44:30,839
Speaker 2: And I justified that because like I was like, I'd

928
00:44:30,880 --> 00:44:33,400
Speaker 2: be willing to drop twenty five dollars on a margarita

929
00:44:33,600 --> 00:44:37,360
Speaker 2: each week, so oh, same, instead of buying the minorita,

930
00:44:37,520 --> 00:44:39,680
Speaker 2: I'll put it into the raise account. So that's it.

931
00:44:40,120 --> 00:44:42,759
Speaker 3: I like that we've got margarita money and now it's

932
00:44:42,840 --> 00:44:43,840
Speaker 3: thousands of dollars.

933
00:44:44,120 --> 00:44:47,279
Speaker 2: Yeah, and I do have a share these account and

934
00:44:47,440 --> 00:44:50,720
Speaker 2: that's got about two eight hundred dollars invested, all invested

935
00:44:50,800 --> 00:44:55,840
Speaker 2: in BDHG and okay, iconic again. I was just like,

936
00:44:55,920 --> 00:44:57,600
Speaker 2: I need to pick something easy. I love this.

937
00:44:58,080 --> 00:45:00,879
Speaker 3: I think that that is a really clean, nice way

938
00:45:01,040 --> 00:45:04,200
Speaker 3: to start your investing journey. And like with your super

939
00:45:04,280 --> 00:45:06,920
Speaker 3: you've proven that from little things, big things grows, so like,

940
00:45:07,600 --> 00:45:11,160
Speaker 3: look at you go, I'm so excited. Yeah, now tell me.

941
00:45:12,080 --> 00:45:14,800
Speaker 3: We've already heard about your debt for your property and

942
00:45:14,920 --> 00:45:17,080
Speaker 3: what that looks like. Do you have any other debts

943
00:45:17,080 --> 00:45:17,680
Speaker 3: sitting around?

944
00:45:18,280 --> 00:45:21,759
Speaker 2: I don't have any consumer debt. I do have a

945
00:45:21,960 --> 00:45:25,360
Speaker 2: rewards credit card with a six thousand dollar limit on that,

946
00:45:25,640 --> 00:45:30,480
Speaker 2: but that is page for every month and awesome, yeah,

947
00:45:30,680 --> 00:45:33,680
Speaker 2: purely for points hacking, and that's paying for us to

948
00:45:33,800 --> 00:45:37,200
Speaker 2: go overseas for my daughter's first birthdays and super thankful

949
00:45:37,280 --> 00:45:37,960
Speaker 2: for that love.

950
00:45:38,120 --> 00:45:40,560
Speaker 3: But that's not really a debt. That's a strategy for

951
00:45:40,719 --> 00:45:44,440
Speaker 3: cash flow and maximizing it if you can look after it.

952
00:45:44,719 --> 00:45:46,879
Speaker 2: Yeah I did. I was looking at what I could

953
00:45:46,920 --> 00:45:48,920
Speaker 2: have got with my points, and it was like, the

954
00:45:49,040 --> 00:45:52,480
Speaker 2: four of us could go to Bali and back, or

955
00:45:53,120 --> 00:45:55,600
Speaker 2: I could have gone first class to Europe. But you

956
00:45:55,680 --> 00:45:57,359
Speaker 2: know the sacrifices you have to make of them.

957
00:45:57,360 --> 00:45:58,320
Speaker 3: Month It's rude, isn't it.

958
00:46:00,040 --> 00:46:01,840
Speaker 2: Put my hands up and I'll do it. I'll do it.

959
00:46:01,880 --> 00:46:02,799
Speaker 2: I'll take one for the team.

960
00:46:02,880 --> 00:46:06,839
Speaker 3: But you know, kids, unfortunately don't stay kids forever. One

961
00:46:06,920 --> 00:46:08,400
Speaker 3: day they're going to be adults and you and your

962
00:46:08,440 --> 00:46:10,840
Speaker 3: partner are gonna be able to like clock all the

963
00:46:10,920 --> 00:46:14,319
Speaker 3: points and do all of the overseas trips and you'll

964
00:46:14,360 --> 00:46:16,040
Speaker 3: be able to tell your kids, oh, we just flew

965
00:46:16,080 --> 00:46:19,719
Speaker 3: flows class to Europe again. It's going to be iconic. Yeah,

966
00:46:21,440 --> 00:46:21,960
Speaker 3: I love that.

967
00:46:22,120 --> 00:46:22,440
Speaker 2: All right.

968
00:46:22,920 --> 00:46:25,480
Speaker 3: Tell me about personal insurance, because you did say that

969
00:46:25,600 --> 00:46:28,440
Speaker 3: you review your insurance annually, how you set up to

970
00:46:28,520 --> 00:46:30,520
Speaker 3: protect yourself if something were to happen.

971
00:46:30,760 --> 00:46:33,600
Speaker 2: When I'm insurances, I did not mean this type of insurance.

972
00:46:33,880 --> 00:46:36,200
Speaker 3: And this was when I gave my score of a

973
00:46:36,400 --> 00:46:39,560
Speaker 3: c Cluss's okay coming at yah because I.

974
00:46:39,640 --> 00:46:42,560
Speaker 2: Haven't set those up yet. And I did look at

975
00:46:43,360 --> 00:46:46,160
Speaker 2: my superannuation and what I would be entitled to if

976
00:46:46,200 --> 00:46:48,560
Speaker 2: something went wrong, and it is very, very minimal.

977
00:46:48,680 --> 00:46:49,919
Speaker 3: It's not nearly enough to cover.

978
00:46:50,200 --> 00:46:54,600
Speaker 2: No, no, not even a little bit. And I remember

979
00:46:54,719 --> 00:46:57,840
Speaker 2: listening to a money diary recently where they had ghosted

980
00:46:57,920 --> 00:46:58,920
Speaker 2: Skywald and that was.

981
00:46:58,960 --> 00:47:02,279
Speaker 3: Me, like, I was, oh, you've also ghosted sky Wealth.

982
00:47:02,360 --> 00:47:05,120
Speaker 3: Well lucky, this is anonymous. I won't tell Phil if you.

983
00:47:05,200 --> 00:47:07,920
Speaker 2: Don't, sorry, I will. I will when I go back

984
00:47:07,960 --> 00:47:11,160
Speaker 2: to work, I will go back to that conversation and

985
00:47:11,360 --> 00:47:13,080
Speaker 2: call them back. I'm sure I'll be happy to hear

986
00:47:13,120 --> 00:47:13,880
Speaker 2: from me again.

987
00:47:14,560 --> 00:47:16,600
Speaker 3: If you would like to feel a little bit better

988
00:47:16,680 --> 00:47:20,200
Speaker 3: about this. And this is maybe me admitting something that

989
00:47:20,320 --> 00:47:24,320
Speaker 3: I shouldn't, but also sorry relatable. Phil is currently chasing

990
00:47:24,440 --> 00:47:27,719
Speaker 3: me to do my insurances and it has gotten to

991
00:47:27,800 --> 00:47:31,000
Speaker 3: the point where Phil is messaging my husband and he

992
00:47:31,080 --> 00:47:34,759
Speaker 3: says literally word for word, He's like, hey, Steve, I

993
00:47:34,880 --> 00:47:37,040
Speaker 3: know Victoria is the problem here. Can we please lock

994
00:47:37,080 --> 00:47:40,880
Speaker 3: in a time to update insurances because I obviously have

995
00:47:41,040 --> 00:47:44,040
Speaker 3: all my insurances, but since giving birth to Cami. I

996
00:47:44,160 --> 00:47:47,440
Speaker 3: haven't updated them again and I really need to, but

997
00:47:47,840 --> 00:47:50,360
Speaker 3: it keeps being dropped back down to the bottom of

998
00:47:50,440 --> 00:47:54,279
Speaker 3: the list because life right. Yeah, so even I am

999
00:47:54,400 --> 00:47:56,320
Speaker 3: currently ghosting the sky wealth.

1000
00:47:57,320 --> 00:47:58,880
Speaker 2: Yeah so you know what.

1001
00:47:59,239 --> 00:48:01,840
Speaker 3: The one thing that I like about them is no judgment.

1002
00:48:02,080 --> 00:48:04,120
Speaker 3: I come back and they say, oh, hey, nice to

1003
00:48:04,200 --> 00:48:05,920
Speaker 3: hear from you. Not where have you been?

1004
00:48:06,080 --> 00:48:06,279
Speaker 1: Yeah?

1005
00:48:06,480 --> 00:48:10,760
Speaker 3: Yeah, so shout out to them. But also I maybe

1006
00:48:10,920 --> 00:48:13,680
Speaker 3: MSc as well at the moment for exactly the same

1007
00:48:13,760 --> 00:48:14,640
Speaker 3: reasons my queen.

1008
00:48:15,760 --> 00:48:18,000
Speaker 2: Well, glad we can relate on that.

1009
00:48:18,239 --> 00:48:20,560
Speaker 3: Tell me, let's move on from that, because I think

1010
00:48:20,600 --> 00:48:23,120
Speaker 3: we both have work to do there. Tell me, what

1011
00:48:23,239 --> 00:48:24,920
Speaker 3: do you think your best money habit is.

1012
00:48:25,040 --> 00:48:27,840
Speaker 2: I think my best money habit is now getting caught

1013
00:48:27,960 --> 00:48:31,720
Speaker 2: up in all the pressure around buying the expensive baby

1014
00:48:31,800 --> 00:48:36,360
Speaker 2: things and making those you know, crazy parenting purchases with

1015
00:48:36,760 --> 00:48:40,080
Speaker 2: my first child, Like, I definitely bought all the expensive

1016
00:48:40,200 --> 00:48:42,920
Speaker 2: clothes and I put him hem in swimming lessons at

1017
00:48:42,920 --> 00:48:44,560
Speaker 2: four months of age, thinking that it was going to

1018
00:48:44,600 --> 00:48:46,040
Speaker 2: be in for by one or something.

1019
00:48:46,200 --> 00:48:48,080
Speaker 3: I think he was in thought by one, wasn't it.

1020
00:48:50,200 --> 00:48:53,400
Speaker 2: I'm just like, I don't know why I thought that

1021
00:48:53,960 --> 00:48:55,600
Speaker 2: he needed to start swimming at four months.

1022
00:48:55,640 --> 00:48:59,480
Speaker 3: But anyway, because Australian culture actually pressures you into starting

1023
00:48:59,520 --> 00:49:02,040
Speaker 3: your child four months. That's why, my friend, it has

1024
00:49:02,120 --> 00:49:04,920
Speaker 3: nothing to do with you trying to dictate that narrative,

1025
00:49:05,200 --> 00:49:08,640
Speaker 3: but rather swimming in Australia it's like a cult. Don't

1026
00:49:08,640 --> 00:49:10,719
Speaker 3: get me wrong. I think it's really important for them

1027
00:49:10,800 --> 00:49:13,920
Speaker 3: to understand how to swim. But we didn't put Harvey

1028
00:49:13,960 --> 00:49:17,279
Speaker 3: into swimming until like what he would have been nearly two.

1029
00:49:18,160 --> 00:49:21,640
Speaker 3: And the judgment we got for calling up and being like, hey,

1030
00:49:21,719 --> 00:49:24,520
Speaker 3: here's true, we would like to start swimming lessons because

1031
00:49:24,560 --> 00:49:26,640
Speaker 3: it was the only time that we had so like

1032
00:49:26,960 --> 00:49:29,799
Speaker 3: I got pregnant with Cammi and my husband said, when

1033
00:49:29,880 --> 00:49:32,239
Speaker 3: you go on maternity leave with Cammi, he'll be off too,

1034
00:49:32,520 --> 00:49:34,759
Speaker 3: so that's when we can start swimming lessons. And like,

1035
00:49:34,880 --> 00:49:37,960
Speaker 3: our life just wasn't built to find that time during

1036
00:49:38,000 --> 00:49:41,000
Speaker 3: the week. And as you would know, kids, swimming lessons

1037
00:49:41,120 --> 00:49:45,480
Speaker 3: are during work hours. They're not like practical times for me. Anyway,

1038
00:49:45,840 --> 00:49:48,440
Speaker 3: that's fine. The judgment we got they were like, so

1039
00:49:48,840 --> 00:49:51,680
Speaker 3: what swim class is he transferring from? And I was like,

1040
00:49:51,719 --> 00:49:53,440
Speaker 3: oh no, we've never done it. And they're like never

1041
00:49:53,600 --> 00:49:56,520
Speaker 3: done it, and I was like, WHOA, Okay, I didn't

1042
00:49:56,600 --> 00:49:59,200
Speaker 3: expect this. Swimming in Australia is a cult. Yes, it's

1043
00:49:59,239 --> 00:50:02,160
Speaker 3: important that they learn this skill, but I promise you

1044
00:50:02,320 --> 00:50:03,920
Speaker 3: they don't need it at four months.

1045
00:50:04,440 --> 00:50:06,520
Speaker 2: They do not need it at four months. And I

1046
00:50:06,640 --> 00:50:10,200
Speaker 2: feel sorry recently saying that my son was doing something lessons.

1047
00:50:10,239 --> 00:50:16,000
Speaker 2: At second time round, I've learned my lessons. Facebook Marketplace

1048
00:50:16,040 --> 00:50:17,520
Speaker 2: has become my best friends.

1049
00:50:17,760 --> 00:50:19,640
Speaker 3: So how good is it? I just bought a new

1050
00:50:19,760 --> 00:50:22,440
Speaker 3: cot on it and it was like less than a

1051
00:50:22,520 --> 00:50:24,359
Speaker 3: quarter of the price of what it was brand new.

1052
00:50:25,200 --> 00:50:29,040
Speaker 2: Yes, my daughter doesn't wear any country road or sea jumpers.

1053
00:50:29,560 --> 00:50:32,320
Speaker 2: I've been able to borrow all the big ticket items

1054
00:50:32,360 --> 00:50:35,040
Speaker 2: from friends, so thank you rich friends, Like I've got

1055
00:50:35,080 --> 00:50:39,000
Speaker 2: the cot, the pram, the that's mat all from iconic Adore. Yes,

1056
00:50:40,960 --> 00:50:43,040
Speaker 2: and I think I spent like three hundred dollars on

1057
00:50:43,120 --> 00:50:44,239
Speaker 2: my son's first birthday cake.

1058
00:50:44,400 --> 00:50:46,879
Speaker 3: Three hundred dollars that is a lot on a first

1059
00:50:46,920 --> 00:50:49,560
Speaker 3: birthday cake. But again no judgment, probably elite.

1060
00:50:49,960 --> 00:50:52,479
Speaker 2: Look it tasted really good and it looks really good.

1061
00:50:52,680 --> 00:50:56,160
Speaker 2: But this time around, I've been looking at TikTok videos

1062
00:50:56,200 --> 00:50:59,560
Speaker 2: and the worst mid caakep yep, iconic, that's actually genie.

1063
00:50:59,600 --> 00:51:00,680
Speaker 2: It'll beish I have.

1064
00:51:00,880 --> 00:51:03,560
Speaker 3: Actually, this is I think a money win for our household.

1065
00:51:03,960 --> 00:51:06,560
Speaker 3: I told my husband you are always going to be

1066
00:51:06,760 --> 00:51:09,400
Speaker 3: in charge of our children's cakes because two things are

1067
00:51:09,440 --> 00:51:11,440
Speaker 3: going to happen there. One, we're not going to buy cakes,

1068
00:51:11,600 --> 00:51:14,480
Speaker 3: so money win. But two, if they look terrible, I

1069
00:51:14,520 --> 00:51:16,920
Speaker 3: can be like, oh, isn't it so wholesome? My husband

1070
00:51:17,000 --> 00:51:18,919
Speaker 3: does it, Whereas if it was me that was making

1071
00:51:19,000 --> 00:51:21,359
Speaker 3: it and it didn't look good, i'd, you know, kind

1072
00:51:21,400 --> 00:51:23,560
Speaker 3: of probably run to the shops and get a replacement.

1073
00:51:26,040 --> 00:51:28,759
Speaker 3: So I think it's this genius honestly stacks, it's a

1074
00:51:28,800 --> 00:51:31,320
Speaker 3: convenience tacks. It is, oh my goodness.

1075
00:51:31,400 --> 00:51:31,680
Speaker 2: All right.

1076
00:51:31,800 --> 00:51:33,439
Speaker 3: On the flip side, what's your worst money habit?

1077
00:51:33,719 --> 00:51:35,560
Speaker 2: This is going to sound really niche, but I just

1078
00:51:35,800 --> 00:51:39,279
Speaker 2: love buying a six hundred mele coke zero from petrol station,

1079
00:51:39,800 --> 00:51:41,960
Speaker 2: even though it is five dollars eighty and I know

1080
00:51:42,120 --> 00:51:44,920
Speaker 2: that I just glad it. Yeah, I just spent fifteen minutes.

1081
00:51:45,160 --> 00:51:47,680
Speaker 2: I could get a ninety four cent can at horror,

1082
00:51:48,320 --> 00:51:49,560
Speaker 2: But no, it's.

1083
00:51:49,360 --> 00:51:50,000
Speaker 3: Just not the same.

1084
00:51:50,320 --> 00:51:51,160
Speaker 2: It's not the same.

1085
00:51:51,840 --> 00:51:55,239
Speaker 3: I'm a diet coke girly and like in my head,

1086
00:51:55,280 --> 00:51:58,080
Speaker 3: there's a hierarchy of coke, right, So like I think

1087
00:51:58,120 --> 00:52:01,840
Speaker 3: you're crazy because I hate cokesy. I can tell the difference.

1088
00:52:02,160 --> 00:52:05,560
Speaker 3: Like diet coke is to me, the elite diet coke

1089
00:52:05,600 --> 00:52:08,719
Speaker 3: in two liter bottles. To me, that's like drinking like

1090
00:52:08,840 --> 00:52:12,080
Speaker 3: ikin it to milk that's uht milk, Like that's maybe

1091
00:52:12,160 --> 00:52:15,960
Speaker 3: powdered milk. Coke in a can that's like pretty fresh.

1092
00:52:16,239 --> 00:52:19,399
Speaker 3: But coke in these little skinny cans, the tiny little

1093
00:52:19,480 --> 00:52:23,400
Speaker 3: skinny cans, that's fresh, that's straight from the cow, Like

1094
00:52:23,560 --> 00:52:25,760
Speaker 3: that is elite level crispy.

1095
00:52:26,400 --> 00:52:28,440
Speaker 2: Well, I think you're actually the normal one because I

1096
00:52:28,640 --> 00:52:33,480
Speaker 2: recently learnch that diet coke was created for women and

1097
00:52:33,680 --> 00:52:36,480
Speaker 2: coke zero with like more for the men.

1098
00:52:37,800 --> 00:52:39,960
Speaker 3: Yeah, I didn't know this was a thing.

1099
00:52:40,400 --> 00:52:40,839
Speaker 2: It's a thing.

1100
00:52:41,200 --> 00:52:43,399
Speaker 3: I think it's just the preservative or like the fake

1101
00:52:43,440 --> 00:52:45,320
Speaker 3: sugar in it. Like I feel like to me and

1102
00:52:45,560 --> 00:52:48,759
Speaker 3: everybody at work, things, I'm insane. They're not wrong, but

1103
00:52:48,840 --> 00:52:51,799
Speaker 3: it's not about the coke. I think coke zero has

1104
00:52:51,840 --> 00:52:54,320
Speaker 3: a terrible after taste that I can taste for ages,

1105
00:52:54,680 --> 00:52:57,279
Speaker 3: and diet coke does not. So the drinking experience for

1106
00:52:57,400 --> 00:53:01,040
Speaker 3: me exactly the same, but the after taste. I can't

1107
00:53:01,040 --> 00:53:02,479
Speaker 3: deal with coat ziero after taste?

1108
00:53:02,560 --> 00:53:02,880
Speaker 1: What is that?

1109
00:53:03,000 --> 00:53:03,840
Speaker 3: Why would you want that?

1110
00:53:05,080 --> 00:53:08,200
Speaker 2: Well, don't come at me. But apparently the diet coke,

1111
00:53:08,920 --> 00:53:11,880
Speaker 2: the term diet makes it more appealing for women, and

1112
00:53:12,920 --> 00:53:15,080
Speaker 2: the flavor of coat zero is more appealing for men.

1113
00:53:15,280 --> 00:53:18,719
Speaker 3: Yeah, okay, so I'm still inherently toxic when I'm trying

1114
00:53:18,800 --> 00:53:19,600
Speaker 3: not to be. I love it.

1115
00:53:19,680 --> 00:53:20,360
Speaker 2: I love that for me.

1116
00:53:20,520 --> 00:53:23,759
Speaker 3: Let's leave that there. Money Diarist, at the start of

1117
00:53:23,840 --> 00:53:27,040
Speaker 3: the show, you said, I reckon, I've seen minus. You've

1118
00:53:27,080 --> 00:53:30,640
Speaker 3: been through so much. You have been through the absolute

1119
00:53:30,719 --> 00:53:33,120
Speaker 3: ringer like and we've had a really long chat and

1120
00:53:33,200 --> 00:53:35,960
Speaker 3: I'm so grateful for it. But like, you've seen money

1121
00:53:36,320 --> 00:53:40,680
Speaker 3: at both extremes, very wealthy and then not even scraping

1122
00:53:40,760 --> 00:53:44,480
Speaker 3: by having the gaps cut off and being loaded up

1123
00:53:44,520 --> 00:53:47,719
Speaker 3: with that as a child, which feels even heavier, but

1124
00:53:47,840 --> 00:53:50,759
Speaker 3: then canceling a wedding and then meeting the love of

1125
00:53:50,840 --> 00:53:54,239
Speaker 3: your life and having two babies, like my queen, you

1126
00:53:54,400 --> 00:53:56,239
Speaker 3: have a mortgage, you have a house. You seem to

1127
00:53:56,320 --> 00:53:58,200
Speaker 3: be the type of person that is grateful for what

1128
00:53:58,320 --> 00:54:00,480
Speaker 3: you already have at home, and that is really hard

1129
00:54:00,520 --> 00:54:03,000
Speaker 3: to achieve. Do you really think that the person I've

1130
00:54:03,080 --> 00:54:05,800
Speaker 3: just done a whole, nearly hours long money diary with

1131
00:54:06,600 --> 00:54:08,680
Speaker 3: is a C minus? Like, is that really what that

1132
00:54:08,800 --> 00:54:11,520
Speaker 3: person is? I know she hasn't got her personal insurances sorted,

1133
00:54:11,600 --> 00:54:13,520
Speaker 3: but like, that's not like that many grades.

1134
00:54:13,840 --> 00:54:16,120
Speaker 2: Yeah, Look, we're going to stick with that. I'm stilling

1135
00:54:16,200 --> 00:54:16,840
Speaker 2: my learning.

1136
00:54:16,640 --> 00:54:19,520
Speaker 3: And growing bathe and I love it. You can keep it.

1137
00:54:19,719 --> 00:54:20,960
Speaker 2: I'll come back to you when it's an age.

1138
00:54:21,000 --> 00:54:22,800
Speaker 3: I might not agree with you, but that is okay.

1139
00:54:23,120 --> 00:54:24,960
Speaker 3: I just think you're doing so well, and I'm so

1140
00:54:25,080 --> 00:54:27,239
Speaker 3: proud of you. And I'm really grateful to your friend

1141
00:54:27,280 --> 00:54:29,320
Speaker 3: who introduced you to the She's on the Money community,

1142
00:54:29,320 --> 00:54:30,959
Speaker 3: because now I feel like I have another friend.

1143
00:54:31,080 --> 00:54:33,560
Speaker 2: So thank you, thank you, No, thank you so much,

1144
00:54:33,680 --> 00:54:36,880
Speaker 2: and thank you for this community, because yeah, I'd be

1145
00:54:36,920 --> 00:54:39,960
Speaker 2: in a much worse opposition if I hadn't discovered this

1146
00:54:40,080 --> 00:54:41,160
Speaker 2: potaut I'm obsessed.

1147
00:54:41,280 --> 00:54:44,160
Speaker 3: Thank you for sharing your story. It was genuinely such

1148
00:54:44,200 --> 00:54:45,360
Speaker 3: a privilege. Thank you.

1149
00:54:51,000 --> 00:54:53,520
Speaker 4: The advice shared on She's on the Money is general

1150
00:54:53,600 --> 00:54:56,760
Speaker 4: in nature and does not consider your individual circumstances.

1151
00:54:57,160 --> 00:55:00,400
Speaker 3: She's on the Money exists purely for educational per purposes

1152
00:55:00,520 --> 00:55:02,840
Speaker 3: and should not be relied upon to make an investment

1153
00:55:03,000 --> 00:55:05,719
Speaker 3: or financial decision. If you do choose to buy a

1154
00:55:05,800 --> 00:55:07,000
Speaker 3: financial product.

1155
00:55:06,800 --> 00:55:10,320
Speaker 4: Read the PDS TMD and obtain appropriate financial.

1156
00:55:09,920 --> 00:55:11,680
Speaker 3: Advice tailored towards your needs.

1157
00:55:12,080 --> 00:55:15,960
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

1158
00:55:16,080 --> 00:55:18,600
Speaker 4: of Money sherper P t y lt D A b

1159
00:55:18,800 --> 00:55:21,799
Speaker 4: N three two one six four nine two seven seven

1160
00:55:21,960 --> 00:55:25,399
Speaker 4: zero eight AFSL four five one two eight nine