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

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money. She's on

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Speaker 2: the Money.

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Speaker 3: Hello, and welcome to She's the Money, the podcast for

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Speaker 3: millennials who want financial freedom.

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Speaker 2: My friends, today is Friday, which means it is.

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Speaker 3: Time to get my little team together and celebrate you

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Speaker 3: ow incredible.

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Speaker 2: She's on the Money community.

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Speaker 3: Today, Miss Bech Sayed is going to be sharing her

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Speaker 3: broke tips. Mister Scricci has pulled out a whole heap

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Speaker 3: of her favorite money wins from the community to share.

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Speaker 3: We're going to be helping to answer a juicy money dilemma,

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Speaker 3: which this week is all about buying property from an

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Speaker 3: inheritance in a relationship, and we're going to be unpacking.

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Speaker 2: Something juicy that you slid into our DMS about this.

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Speaker 3: Week, we're talking about covering costs when travel with friends changes. Beck,

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Speaker 3: I feel like you're gonna have a few comments on

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Speaker 3: this one. So I can't wait because I feel like

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Speaker 3: you've traveled a lot, but you also have had like

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Speaker 3: lots of things change, and like anyway, I can't wait

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Speaker 3: to get to it. But before we get there, how

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Speaker 3: about our weeks my friends? Good, welcome home, Thank you

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Speaker 3: for having me. Very excited to have you back. I'm

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Speaker 3: really glad to be back. But don't get me wrong.

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Speaker 3: The biggest privilege to be able to travel, especially with

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Speaker 3: a baby, a lot of hard work, Like, don't get

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Speaker 3: me wrong, Like it wasn't easy, but I don't regret it.

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Speaker 3: Like if anyone's thinking about traveling and they have it

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Speaker 3: in their budget to be able to travel with a

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Speaker 3: young baby, do it like you're gonna have to parent

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Speaker 3: whether you're here or whether you're there, like and so true.

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Speaker 2: I'm telling you right now.

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Speaker 3: It was a lot easier getting up in the morning,

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Speaker 3: being like I haven't slept, but I'm in Rome.

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Speaker 4: Yeah, if you're going to be overtime, might as well

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Speaker 4: be overtight. Some we're fun and.

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Speaker 3: Pretty yeah, exactly right, where the apparols are easier to obtain.

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Speaker 3: And I mean it's rude not to drink caparole if

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Speaker 3: you're overseas it's illegal. I think, oh yeah, I'm pretty

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Speaker 3: sure it is illegal. But enough about me.

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Speaker 2: Jess has had a good week. Beck, how's your week been.

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Speaker 2: It's been really good.

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Speaker 3: We both we missed each other for like six weeks.

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Speaker 3: As I was Japan, it was like, low key rude.

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Speaker 3: How was Japan?

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Speaker 2: It was incredible. I saw the photos, so I know

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Speaker 2: it was incredible.

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Speaker 3: It was incredible, And I didn't like contra prariy to

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Speaker 3: what I probably portray. I am not like I'm not

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Speaker 3: huge on travel. I don't like walking around with like

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Speaker 3: dirty clothes, and I don't like transiting every two days.

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Speaker 3: I don't enjoy it. But Japan, I am so excited

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Speaker 3: to go back.

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Speaker 2: It was the seat.

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Speaker 3: I just said the same thing you said that, oh,

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Speaker 3: Japan wasn't really like something that was super on my radar,

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Speaker 3: and then you went You're like, I'm going back, Like

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Speaker 3: that is the best holiday I've been on I'm yet

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Speaker 3: to go, and you guys are making me go.

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Speaker 2: Maybe that's my next location.

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Speaker 3: Yeah, you really really need to really like, I'm never

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Speaker 3: craving a travel I'm never craving a holiday even, but

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Speaker 3: there's something about Japan.

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Speaker 2: I just cannot wait to go back. I love that. Yeah,

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Speaker 2: it was really really cool, good trip to Japan.

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Speaker 3: Yeah, and I know that a lot of people have

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Speaker 3: been following your employment journey back. Oh, we have been

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Speaker 3: rooting for you, and I think everyone was like, oh

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Speaker 3: my god, she got made redundant.

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Speaker 2: What is she going to do. We're talking about budgets

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Speaker 2: for the last couple of weeks before I left. If

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Speaker 2: you got any interesting news on that front, No.

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Speaker 3: Let's move on kidding. I do have a new job

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Speaker 3: officially as of July.

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Speaker 2: First. Finally, I'm so excited. Thank you so much.

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Speaker 3: I honestly like and it's in the same building, it's

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Speaker 3: in the same company. So you got made redundant and

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Speaker 3: then the other side picked you up.

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Speaker 2: I love that. Yeah, I mean so that just tells

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Speaker 2: everybody that she's really good at what she does. That's

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Speaker 2: so nice. Thank you so much.

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Speaker 3: I could have cried when they told me because I

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Speaker 3: was like, it's over.

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Speaker 2: It's over.

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Speaker 3: Like I guess that's how lots of people who have

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Speaker 3: been made redundant feel, like Jesse, You've spoken on the

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Speaker 3: show before about being made redundant, and you're just like,

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Speaker 3: I feel like I'm in limbo. It's like, yeah, well,

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Speaker 3: I'm really glad and I know the community is going

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Speaker 3: to be so proud of you, but so excited to

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Speaker 3: hear because like.

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Speaker 2: It's just nice to know what you're up to, my friends,

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Speaker 2: it's so sweet. Thank you so much.

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Speaker 3: I want to get into it, though, it's just gretch.

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Speaker 3: Have you got some money wins and confessions from the community.

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Speaker 2: That you'd like to share?

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Speaker 4: Absolutely?

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Speaker 3: I do.

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Speaker 4: First when I've got this week comes from Hannah, who said,

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Speaker 4: I've officially paid off both my car loan and my

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Speaker 4: credit card, which is two huge debts gone and a

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Speaker 4: big fat weight off my shoulders.

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Speaker 2: How good is that? Congratulation? It's not just one two

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Speaker 2: And do you know what I love about that?

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Speaker 3: So like complete side note, when people write into our

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Speaker 3: group or comment on one of our threads and say

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Speaker 3: I'm out of debt, you just know that the intention

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Speaker 3: is not to get back into debt, because like, how

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Speaker 3: many of us have paid off our credit cards and

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Speaker 3: be like yeah, okay, like I'll put it in my

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Speaker 3: back pocket.

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Speaker 2: And I'll just use it again.

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Speaker 3: Like I feel like when they're commenting, they're like line

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Speaker 3: in the sand, like I'm not going to do that again.

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Speaker 2: And I just I'm just so excited for all the

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Speaker 2: change you guys are making.

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Speaker 4: And last thing, everyone get around each other. Yes when

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Speaker 4: I someone comments that's so sweet, I know. Next, I've

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Speaker 4: got money in from at Chelsea, who said money win.

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Speaker 4: My flatmate and I have been discussing buying a dinner

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Speaker 4: table for months now. She then tells me that a

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Speaker 4: lovely wooden ica dining table has been sitting abandoned behind

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Speaker 4: her parking spot, which is like allocated in their apartment.

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Speaker 4: They have specific parking spots since she moved in. No

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Speaker 4: one's ever come back for it, so now they have

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Speaker 4: a beautiful dining table for free money.

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Speaker 2: Money love that maybe someone eats dinner there every night.

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Speaker 2: Maybe he's never busted him. That's true. That makes on

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Speaker 2: the floor. Now.

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Speaker 4: Next, I've got of money win from Alla, who said

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Speaker 4: she was shopping around for a new phone service provider

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Speaker 4: because it is getting very expensive. Turns out that Optus

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Speaker 4: offers students a discount, so it's thirty nine dollars for

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Speaker 4: one hundred gigs over twelve months, so twenty bucks cheaper

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Speaker 4: per month than what she was paying previously, which means

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Speaker 4: she has saved two hundred and forty dollars for the

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Speaker 4: year for double the data.

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Speaker 2: I lovely money win.

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Speaker 4: I didn't think you could get a student discount on

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Speaker 4: something like that, so it's really.

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Speaker 2: Ask always really salty.

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Speaker 3: When I lost my student discount that I used to

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Speaker 3: have on my old phone, planned it was only five

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Speaker 3: dollars a month, but like that plan was five dollars. No,

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Speaker 3: the student discount was five dollars a month.

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Speaker 2: Lock me down. Imagine if it.

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Speaker 3: Was five dollars a month, I'd be like, guys, every

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Speaker 3: body go no, it used to be five dollars a month.

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Speaker 3: And I just remember being like, oh, I don't have

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Speaker 3: a student card anymore to upload because every year I

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Speaker 3: had to upload my student card to keep the discount,

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Speaker 3: and then they took it away, and I was like,

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Speaker 3: I mean, it's fair because I have a full time job,

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Speaker 3: but I don't really like this.

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Speaker 4: My boyfriend was a matured student and his student ID

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Speaker 4: expires at the end of this year, but he graduated

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Speaker 4: like two years ago, and I'm really sad because we

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Speaker 4: still use it to get cheap Yeah, okay.

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Speaker 2: So like I feel like this is a Beck it's

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Speaker 2: not expired.

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Speaker 4: Well, that's it.

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Speaker 3: It's like a driver's license. Yeah, that's you might not

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Speaker 3: have a car, but the license is a case. The

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Speaker 3: ID he got an ID, but this is like a

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Speaker 3: Beck broke tip. So I'm sorry for stealing your thumb.

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Speaker 3: It's also probably borderline not okay to do, but I'm

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Speaker 3: going to share it because I just saw it on

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Speaker 3: TikTok and it was this guy and he had his

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Speaker 3: student ID and he got nail polished remover and he

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Speaker 3: like rubbed out the expiration on his ideas so he

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Speaker 3: could still show it.

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Speaker 2: But it didn't have an expiry on it.

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Speaker 3: So I mean, if hypothetically that was in James's best interest.

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Speaker 4: He's gonna be forever.

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Speaker 2: Yes, we really could do that. I mean, is it

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Speaker 2: worth five a month? Maybe? I don't know. We're in

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Speaker 2: the cost of living crisis. Guys.

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Speaker 4: Movie tickets are like thirty bucks a ticket, so if

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Speaker 4: we can get them for half of that, I'm like.

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Speaker 2: All for it.

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Speaker 3: Under anywhere you go, there's like there's adult and then

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Speaker 3: there's concession, and then there's I don't know, senior or children,

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Speaker 3: all of us. So I'm like, the movies is so

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Speaker 3: expensive too. Like, don't get me wrong, it's a luxury.

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Speaker 3: It's not something that everyone has in their budgets. But

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Speaker 3: like Steve and I wanted to go see was it

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Speaker 3: June or something June movie? And Steve's obsessed with June,

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Speaker 3: read all the books, and.

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Speaker 2: We're like, let's go. I was shocked at how expensive

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Speaker 2: it was to go.

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Speaker 3: Great, don't get me wrong, we didn't like do gold

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Speaker 3: class or anything like that. We're just buying normal tickets.

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Speaker 3: And I was like far out, like this is so expensive.

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Speaker 4: I mean people in tickets and pop corners still like

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Speaker 4: eighty bucks.

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Speaker 3: Yeah, And I was like, do you think that maybe

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Speaker 3: we could just wait until it comes out on Netflix?

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Speaker 3: And the lookie gave me definitely said no.

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Speaker 2: So we went.

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Speaker 3: But I was just like, this is like a thing

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Speaker 3: that we're going to have to think about if we

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Speaker 3: want to keep going to the movies or do stuff

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Speaker 3: like that. Like it wasn't a cheap date night, sure,

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Speaker 3: And in my head when we're at Uni the movies

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Speaker 3: was a cheap dates.

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Speaker 2: Cheap day night.

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Speaker 3: I'm almost shaking at how perfect this is because my

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Speaker 3: broake tap is very very she's baiting all right, just

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Speaker 3: don't want to get to that.

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Speaker 4: Alex said, money Win. I had to expired one hundred

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Speaker 4: dollars gift cards that expired last year. She asked the

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Speaker 4: retail store if they could be honored so that they

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Speaker 4: could still be utilized during the end of financial essales,

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Speaker 4: and they said yes.

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Speaker 2: You know why they said yes, yes.

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Speaker 4: Because legally they have to.

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Speaker 3: Exactly so, if anyone has any expired gift cards, they're

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Speaker 3: not expired, my friends, they have to legally, yes, one

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Speaker 3: of them.

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Speaker 4: I don't know why they still put a like expiry

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Speaker 4: date on them. They have to honor them no matter

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Speaker 4: what that do.

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Speaker 2: They still do that?

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Speaker 3: I think they do, But I feel like at least

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Speaker 3: one person out of like a thousand is going to

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Speaker 3: be like, oh, it's expired, Like I'll just chuck it.

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Speaker 4: Out, and they're just hoping that people just go, oh,

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Speaker 4: it must be expired.

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Speaker 2: Probably so shady. I hate that. Yeah, I hate that.

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Speaker 3: But if you have any expired gift cards, definitely get them.

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Speaker 3: You don't definitely go and redeem them or be really cheeky.

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Speaker 3: One time, I had an expired gift card and I

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Speaker 3: swapped it. I like went in and said, this is expired,

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Speaker 3: and they were like, oh, we can honor it whatever.

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Speaker 3: I had that conversation and then I got them to

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Speaker 3: give me a brand new gift card and then I

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Speaker 3: used it for a present someone else.

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Speaker 4: Yeah, that's a good way.

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Speaker 2: It's such a good idea because I hadn't used it.

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Speaker 3: Well, I feel like at some point, if you haven't

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Speaker 3: used the card or the present, like you don't deserve

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Speaker 3: it anymore. A regift, yeah, but like a money regift. Yeah,

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Speaker 3: I even know any cards. Yeah, I don't know why people,

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Speaker 3: you know, there's that stigma like don't get people gift cards.

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Speaker 2: Not like no, like I want a gift cards.

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Speaker 3: But also, if you're going to give gift cards, this

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Speaker 3: is just my personal opinion, give the most option, Like

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Speaker 3: don't just go and buy like a store gift card,

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Speaker 3: go and buy them a Visa gift card. Yeah, true,

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Speaker 3: Like I can use it for my groceries if I want. Yeah,

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Speaker 3: great idea, because if you really wanted to be savvy,

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Speaker 3: you'd use that gift card for your groceries and then

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Speaker 3: you'd transfer the money that you would have spent on

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Speaker 3: your groceries to your savings.

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Speaker 2: Oh wow, okay, we're just hacking mine.

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Speaker 4: Just blue like you can do that. Just want more

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Speaker 4: money in from me for this week? From a Beck

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00:11:29,760 --> 00:11:32,520
Speaker 4: great name. Beck said, I just went to turn off

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Speaker 4: recurring billing for my Microsoft payments so I can put

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Speaker 4: it through under my shot back when when it ends.

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Speaker 4: And they offered it two months of Microsoft for free.

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Speaker 2: This is good. Yeah, this is a good feel.

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Speaker 4: Like that's something you've said before.

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Speaker 2: It was like YOURTA was Yeah, the best memory. That's

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Speaker 2: so sweet. That was your bro tip. You said, like,

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Speaker 2: go and pretend to cancel and then they'll give it

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Speaker 2: to you cheap.

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Speaker 3: Yes, anywhere that's a gym, it's Adobe, they give to

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Speaker 3: cheapot or they like take a few months on.

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Speaker 4: Us for a little test.

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Speaker 2: Yeah, so I always do that boys, pretend.

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Speaker 3: I can do that financially, but don't do that in

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Speaker 3: a relationship, Like I can't recommend testing the waters and

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Speaker 3: being like oh leave, like that's just toxic. But if

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Speaker 3: the relationship is with your gym, absolutely.

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Speaker 2: Yes, absolutely give it a go.

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Speaker 3: Okay, so do you feel do you feel ready for

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Speaker 3: I'm so ready for your broke So they are a

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Speaker 3: little bit different because I didn't actually I was a

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Speaker 3: bit lazy this week, and I didn't source anything from

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Speaker 3: the community, but I had I have like three from

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Speaker 3: just me, which is very solvy.

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Speaker 2: Okay, Okay, she's gone row.

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Speaker 3: There were a couple of months there where you're like, guys,

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Speaker 3: Like off air, you'd be like, guys, I don't know

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Speaker 3: what my broke tip's going to be, And now you're

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Speaker 3: just rolling back in with I'm not going to look

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Speaker 3: at the community this week. I'm in give you three

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Speaker 3: tips of my own. It's not even like stockpiling them

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Speaker 3: for coming weeks. I know that's really silly to I

300
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Speaker 3: love it. I'm not not great with money. I'm not

301
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Speaker 3: great with like figure out how to properly organize my

302
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Speaker 3: broke tips. But we're doing them in ascending or descending order,

303
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Speaker 3: Like is it the best one first or the worst?

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Speaker 2: I think we'll do describe best.

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Speaker 3: I think the best one is first, but then you

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Speaker 3: might find more joy in the last one.

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Speaker 2: Okay, all right, all right, what are they? Let's go? Okay.

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Speaker 3: Also, I want to say the middle one is just

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Speaker 3: like a silly one that no one will ever listen to.

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Speaker 3: But anyway, so the first one similar to what you

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Speaker 3: guys were saying before. Cinemas are very expensive, and I

312
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Speaker 3: did talk about how I turned my house into a

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Speaker 3: pub a few years ago. Anyway, as you know, i'm dating,

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Speaker 3: I have a girlfriend. Have you seen the post that

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Speaker 3: they're putting on Instagram? If you don't fellow back on

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Speaker 3: instagramming you, I'm missing out because they are really cute.

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Speaker 2: That's scy think you.

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Speaker 3: Anyway, I went to figure up the other night and

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Speaker 3: I was like, it's just going to be like a

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Speaker 3: chill night, Like we'll just like have like frozen pizza.

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Speaker 3: Pizzas were on specials, like five dollars a pizza.

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Speaker 2: Yeah, I love those so good.

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Speaker 3: And when they're on sale out of ten totally. So

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Speaker 3: I feel like I spent maybe ten dollars on dinner.

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Speaker 3: And then what I did was the night before I

326
00:14:00,080 --> 00:14:01,200
Speaker 3: went to km out and just got like a bunch

327
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Speaker 3: of colored paper. I mean, I'm not a big fan

328
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Speaker 3: of like the amount of waste that I probably used.

329
00:14:06,160 --> 00:14:08,640
Speaker 3: I didn't have to, So you can do this a lot.

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Speaker 3: You don't have to disclaim it. In fact, I think

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Speaker 3: Jess and I we're both just really envious that you

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Speaker 3: have a partner that wants to do creative dates. I

333
00:14:17,120 --> 00:14:18,800
Speaker 3: think both of us are sitting here being like, damn,

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00:14:18,800 --> 00:14:23,120
Speaker 3: we should have been lesbians, because I personally have a

335
00:14:23,120 --> 00:14:24,720
Speaker 3: partner that if I said I went and got some

336
00:14:24,760 --> 00:14:26,920
Speaker 3: craft paper, he'd be like, you can put that straight

337
00:14:26,960 --> 00:14:31,040
Speaker 3: in the bin. Well, actually, no, to be fair, my

338
00:14:31,120 --> 00:14:32,920
Speaker 3: partner would also say the same thing. So this was

339
00:14:32,960 --> 00:14:34,680
Speaker 3: I was doing this before she arrived. So I like

340
00:14:34,960 --> 00:14:36,680
Speaker 3: I put like signs on the walls. One that was

341
00:14:36,720 --> 00:14:38,760
Speaker 3: like Cinema eight on my door, and then like a

342
00:14:38,760 --> 00:14:42,680
Speaker 3: little spin please put your phone on silent, like with

343
00:14:42,760 --> 00:14:44,440
Speaker 3: a little and then like on all the walls was

344
00:14:44,440 --> 00:14:46,240
Speaker 3: like coming soon. And then I just like photoshopped our

345
00:14:46,280 --> 00:14:50,920
Speaker 3: face onto like a grease poster. And on the TV

346
00:14:51,040 --> 00:14:53,560
Speaker 3: it was like these fake everything was out of paper

347
00:14:53,760 --> 00:14:56,120
Speaker 3: and these fake like you know, these big curtains that

348
00:14:56,120 --> 00:14:58,480
Speaker 3: they have at the cinema and little like silhouettes on TV.

349
00:14:59,560 --> 00:15:01,480
Speaker 3: And then there it was like a candy bar. And

350
00:15:01,520 --> 00:15:03,680
Speaker 3: so in total, honestly, I'm gonna say that this thing

351
00:15:03,720 --> 00:15:06,080
Speaker 3: costs me maybe fifty sixty dollars, but that's because I

352
00:15:06,200 --> 00:15:07,160
Speaker 3: also bought snacks.

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Speaker 4: That's still cheaper than most date night, less than we

354
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Speaker 4: looing to the actual cinema.

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Speaker 2: Exactly, and it we're just really cute night.

356
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Speaker 3: It was just a really sweet, like it's so nice

357
00:15:15,760 --> 00:15:19,400
Speaker 3: being your own home when you like reframe your house

358
00:15:19,480 --> 00:15:21,000
Speaker 3: because you're like, I don't want to be in, I

359
00:15:21,000 --> 00:15:22,520
Speaker 3: don't want to stay in for the night, But like

360
00:15:22,800 --> 00:15:25,160
Speaker 3: if you pretend that it's something else, then all of

361
00:15:25,200 --> 00:15:27,400
Speaker 3: a sudden, you're like, wow, it is really nice actually

362
00:15:27,440 --> 00:15:28,720
Speaker 3: watching a movie from home.

363
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Speaker 2: I can like wear no pants if I want to.

364
00:15:30,720 --> 00:15:31,320
Speaker 2: I can't eat.

365
00:15:31,400 --> 00:15:33,600
Speaker 3: You can't do that at the cinema legally, yeah, you

366
00:15:33,640 --> 00:15:35,680
Speaker 3: can pause it and have a chat and like you

367
00:15:35,720 --> 00:15:38,000
Speaker 3: can't do you can be on your phone if you

368
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Speaker 3: want to, which is also I spent more than that

369
00:15:40,240 --> 00:15:42,400
Speaker 3: going and seeing June. Don't get me wrong, I know

370
00:15:42,520 --> 00:15:45,080
Speaker 3: June has a cult following, but I fell asleep pathway

371
00:15:45,080 --> 00:15:47,160
Speaker 3: through it, so I didn't even get the whole value

372
00:15:47,200 --> 00:15:50,200
Speaker 3: of spending that amount. And you don't have any snack

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Speaker 3: you've ever dreamed of at your fingertips for free.

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Speaker 2: No, you're not even allowed to take any snack you

375
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Speaker 2: want to.

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Speaker 3: The cinema, don't you exactly ends up being quite an

377
00:15:58,160 --> 00:15:59,280
Speaker 3: expensive thing.

378
00:15:59,320 --> 00:16:00,520
Speaker 2: And if you want to and you get a.

379
00:16:00,520 --> 00:16:03,320
Speaker 3: Five dollar bottle of red a seventy five cent bottle

380
00:16:03,360 --> 00:16:05,880
Speaker 3: of soda water, like if we could have got our

381
00:16:05,920 --> 00:16:12,320
Speaker 3: Audi Le mule. Oh, I beg yours, I beg yours.

382
00:16:13,400 --> 00:16:16,360
Speaker 3: I think it is common knowledge that my favorite one

383
00:16:16,600 --> 00:16:19,400
Speaker 3: is the rose from Audi called Lemielee.

384
00:16:19,880 --> 00:16:20,920
Speaker 2: I'm sorry I didn't do.

385
00:16:21,960 --> 00:16:24,160
Speaker 3: I'm gonna buy you a bottle. I'm gonna buy you

386
00:16:24,200 --> 00:16:26,600
Speaker 3: a bottle and bring it. I shouldn't say what I heard,

387
00:16:28,440 --> 00:16:33,520
Speaker 3: but I remember that love always fills me with joy.

388
00:16:34,000 --> 00:16:36,520
Speaker 2: When Jess loses, you know, it's going to be a

389
00:16:36,560 --> 00:16:39,440
Speaker 2: good podcast. Oh yeah, from a hero out. It's going

390
00:16:39,480 --> 00:16:40,320
Speaker 2: to be a great show.

391
00:16:41,520 --> 00:16:43,240
Speaker 4: Sorry if you's listened this far already and it was

392
00:16:43,280 --> 00:16:44,360
Speaker 4: just average.

393
00:16:44,800 --> 00:16:48,800
Speaker 2: Yeah was up until now. So that's my first broke tip.

394
00:16:49,360 --> 00:16:52,640
Speaker 2: I love that into something really, I love that so much. Jess.

395
00:16:52,720 --> 00:16:54,760
Speaker 2: I feel like that is a really good example of

396
00:16:54,840 --> 00:16:58,560
Speaker 2: if she wanted to, she would completely completely.

397
00:16:59,040 --> 00:17:00,880
Speaker 4: My boyfriend would rather just pay ten bucks for a

398
00:17:00,920 --> 00:17:04,800
Speaker 4: single coke and call it same.

399
00:17:05,320 --> 00:17:07,639
Speaker 3: And I feel like, please don't get me wrong, I

400
00:17:07,640 --> 00:17:10,280
Speaker 3: have a beautiful partner I am not mad about any

401
00:17:10,320 --> 00:17:13,000
Speaker 3: of any of it. I do feel like sometimes I

402
00:17:13,119 --> 00:17:16,720
Speaker 3: hear beck stories and I'm like jealous.

403
00:17:17,359 --> 00:17:19,280
Speaker 2: We have a word to your partners. You can be

404
00:17:19,400 --> 00:17:20,240
Speaker 2: he's not going to listen.

405
00:17:20,440 --> 00:17:22,879
Speaker 4: Send them this clip, send the click and send it.

406
00:17:22,880 --> 00:17:26,120
Speaker 3: I'll be like Steve, the expectation has been set here,

407
00:17:26,760 --> 00:17:29,000
Speaker 3: you're about here, bex here.

408
00:17:30,320 --> 00:17:31,439
Speaker 2: Well, but I'm a bit extra.

409
00:17:31,480 --> 00:17:33,840
Speaker 3: I feel like if lasting your partners are probably showing

410
00:17:33,840 --> 00:17:35,600
Speaker 3: love in their own wonderful way.

411
00:17:35,960 --> 00:17:37,960
Speaker 2: Languages, You're right, exactly.

412
00:17:38,200 --> 00:17:39,800
Speaker 3: You don't have to be that extra, but it is

413
00:17:40,440 --> 00:17:42,880
Speaker 3: money saver at the end of the Day's tip too.

414
00:17:43,160 --> 00:17:43,840
Speaker 2: Number two.

415
00:17:44,320 --> 00:17:46,199
Speaker 3: I feel like I always talk about this now that

416
00:17:46,240 --> 00:17:49,159
Speaker 3: I'm working again for this company. I am fully on

417
00:17:49,200 --> 00:17:51,320
Speaker 3: their Instagram, I saw the other day they posted what's

418
00:17:51,359 --> 00:17:51,800
Speaker 3: your go to?

419
00:17:52,040 --> 00:17:52,920
Speaker 2: I'm broke meal?

420
00:17:52,960 --> 00:17:55,119
Speaker 3: And I thought that was a really great thing to

421
00:17:55,160 --> 00:17:59,080
Speaker 3: just quickly skim through. So we should put that as

422
00:17:59,119 --> 00:18:01,680
Speaker 3: a thread in our face book group. Yeah, yeah, we'll

423
00:18:01,680 --> 00:18:03,800
Speaker 3: do that today. So as of Friday, there'll be a

424
00:18:03,880 --> 00:18:06,119
Speaker 3: credit in our Facebook group of like, what's your go

425
00:18:06,200 --> 00:18:08,320
Speaker 3: to I'm broke meal? Yea, I feel like that's a

426
00:18:08,320 --> 00:18:10,520
Speaker 3: good thing to share. Yeah, it really is, because if

427
00:18:10,560 --> 00:18:12,480
Speaker 3: you're running out out of ideas and you actually have

428
00:18:12,520 --> 00:18:14,560
Speaker 3: no money, then it's really great to just like hunt.

429
00:18:14,520 --> 00:18:17,440
Speaker 2: Whatever else is doing pizzas on tail.

430
00:18:17,680 --> 00:18:22,119
Speaker 3: Yeah yeah, oh yeah, that's like such great value. So

431
00:18:22,160 --> 00:18:26,040
Speaker 3: a lot of people mentioned tim spaghetti and cheese like

432
00:18:26,119 --> 00:18:29,880
Speaker 3: as a toasty which a little jafful moment, a little jaffelel,

433
00:18:29,960 --> 00:18:31,960
Speaker 3: and that like that really wouldn't be more than a

434
00:18:32,000 --> 00:18:32,440
Speaker 3: few dollars.

435
00:18:32,480 --> 00:18:33,480
Speaker 2: I think that's a great idea.

436
00:18:33,880 --> 00:18:35,800
Speaker 3: Has to be Wonder white bread though, like I know

437
00:18:35,880 --> 00:18:38,480
Speaker 3: other bougie bread options exist, but if you are making

438
00:18:38,480 --> 00:18:41,960
Speaker 3: a jaffle, yes, I'm pretty sure legally it has to

439
00:18:42,040 --> 00:18:44,280
Speaker 3: be white wonder white bread.

440
00:18:44,440 --> 00:18:47,000
Speaker 2: It does, it doesn't know, that's correct, it's created absolutely.

441
00:18:47,960 --> 00:18:51,320
Speaker 3: We've got micro popcorn, which is what we did in

442
00:18:51,359 --> 00:18:54,800
Speaker 3: the fake Cinema, which is obviously if you're going maybe

443
00:18:54,800 --> 00:18:57,080
Speaker 3: if you're going to the cinema's you micraabe your own.

444
00:18:57,080 --> 00:18:59,239
Speaker 3: You just chuck it under your jacket, you walk straight in.

445
00:18:59,320 --> 00:19:01,240
Speaker 3: It's like what is like a dollar. You've got to

446
00:19:01,240 --> 00:19:04,040
Speaker 3: have the conviction though, and like I would get to

447
00:19:04,080 --> 00:19:07,000
Speaker 3: the front thing and be smuggling and be like by

448
00:19:07,000 --> 00:19:09,719
Speaker 3: the way I'm smuggling, Like I just shaking.

449
00:19:09,760 --> 00:19:11,960
Speaker 2: You just can't hold it anymore. I can't. I'd be like,

450
00:19:12,000 --> 00:19:12,960
Speaker 2: are you gonna wear arrest me?

451
00:19:13,560 --> 00:19:16,000
Speaker 4: Like the seventeen year old working at the cinema wouldn't

452
00:19:16,040 --> 00:19:16,440
Speaker 4: give a shit.

453
00:19:16,520 --> 00:19:19,480
Speaker 2: Yeah, their phone's not looking anyway.

454
00:19:19,760 --> 00:19:22,240
Speaker 4: I'm paid fourteen dollars an hour. I'd do what you

455
00:19:22,280 --> 00:19:24,959
Speaker 4: want to pay exact system.

456
00:19:25,560 --> 00:19:27,240
Speaker 3: But you do get those random ones that are like,

457
00:19:27,359 --> 00:19:30,720
Speaker 3: weirdly really a trip. They're on the power trip. They're

458
00:19:30,760 --> 00:19:34,200
Speaker 3: like trip exactly. You gotta look out for those ones.

459
00:19:34,359 --> 00:19:37,200
Speaker 3: Another person said breakfast dinner, which is like toastal cereal.

460
00:19:37,280 --> 00:19:40,280
Speaker 3: It's like a great idea migering of course. And yesterday,

461
00:19:40,320 --> 00:19:43,480
Speaker 3: so I went to Cohal's and I obviously, as as

462
00:19:43,480 --> 00:19:45,719
Speaker 3: I always do, I am broke and went and I

463
00:19:45,760 --> 00:19:46,880
Speaker 3: was like, what can I get?

464
00:19:47,040 --> 00:19:49,960
Speaker 2: Two meals for four dollars is all I had?

465
00:19:50,240 --> 00:19:52,920
Speaker 3: And I got a little pack of those I have

466
00:19:53,040 --> 00:19:55,920
Speaker 3: said this, four the sardines is ninety cents each. Two

467
00:19:55,960 --> 00:19:59,400
Speaker 3: of those and then a little thing of two microwavable rice.

468
00:20:00,080 --> 00:20:00,440
Speaker 2: That's it.

469
00:20:00,640 --> 00:20:03,040
Speaker 3: And that's that did me for two holidays. I want

470
00:20:03,080 --> 00:20:06,360
Speaker 3: you to know I also had bread in the office kidchen. Okay, yeah,

471
00:20:06,440 --> 00:20:07,920
Speaker 3: but so that's I think if you want to like

472
00:20:08,000 --> 00:20:09,639
Speaker 3: jump on that thread and the one that we're going

473
00:20:09,720 --> 00:20:11,159
Speaker 3: to put up as well. But I think this was

474
00:20:11,200 --> 00:20:13,080
Speaker 3: like kiss one on one one or something. If you

475
00:20:13,080 --> 00:20:15,560
Speaker 3: follow on Instagram, just have a little browse through and

476
00:20:15,640 --> 00:20:16,840
Speaker 3: see what you know, See what.

477
00:20:16,960 --> 00:20:17,720
Speaker 2: That's a good tip.

478
00:20:17,800 --> 00:20:19,159
Speaker 3: I know you said that we were going to be

479
00:20:19,160 --> 00:20:21,120
Speaker 3: disappointed and no one would do it, But like now

480
00:20:21,119 --> 00:20:23,320
Speaker 3: we've got a whole Facebook thread coming for the community

481
00:20:23,359 --> 00:20:24,360
Speaker 3: because of that tip.

482
00:20:24,760 --> 00:20:25,600
Speaker 2: You're a genius.

483
00:20:25,720 --> 00:20:27,480
Speaker 3: And now yesterday, as you guys know, I've got a job.

484
00:20:27,520 --> 00:20:31,480
Speaker 3: I'm now working for Gold So an employed woman, employed woman.

485
00:20:31,760 --> 00:20:33,760
Speaker 3: I read an article about free and fund activities to

486
00:20:33,800 --> 00:20:35,679
Speaker 3: do in Melbourne this school holidays. Do you want me

487
00:20:35,680 --> 00:20:37,280
Speaker 3: to give you as the link is that? Oh yeah,

488
00:20:37,280 --> 00:20:39,040
Speaker 3: we'll chuck it in the show notes. Okay, cool, because

489
00:20:39,040 --> 00:20:40,560
Speaker 3: they don't read it out because that would be way

490
00:20:40,560 --> 00:20:42,520
Speaker 3: too complicated, But we will put the link.

491
00:20:42,359 --> 00:20:43,000
Speaker 2: In the show notes.

492
00:20:43,040 --> 00:20:44,960
Speaker 3: I guess I'll just like I'll read some really really

493
00:20:45,000 --> 00:20:48,400
Speaker 3: quick ones. So there's the chocolate Factory diorama at North

494
00:20:48,440 --> 00:20:53,000
Speaker 3: Melbourne Library. Completely free lego chocolate Factory diorama at Library.

495
00:20:53,000 --> 00:20:56,160
Speaker 3: At the Dock you can like create your own creations

496
00:20:56,320 --> 00:20:58,359
Speaker 3: it's all free. It's all free to do this school holiday.

497
00:20:58,720 --> 00:20:59,440
Speaker 2: When you say.

498
00:20:59,280 --> 00:21:03,320
Speaker 3: School holidays, they're like age limits on this.

499
00:21:03,320 --> 00:21:03,840
Speaker 2: This is the thing.

500
00:21:03,880 --> 00:21:07,800
Speaker 3: I was reading these and I was like, oh, yeah,

501
00:21:08,000 --> 00:21:10,359
Speaker 3: your ess and my jests will all go together. It

502
00:21:10,400 --> 00:21:12,399
Speaker 3: can be a group date that would be really cute,

503
00:21:12,480 --> 00:21:14,600
Speaker 3: but like not a group date, but like a group date.

504
00:21:15,040 --> 00:21:16,639
Speaker 3: Jess and I will do the things together that our

505
00:21:16,680 --> 00:21:17,320
Speaker 3: partners won't do.

506
00:21:18,520 --> 00:21:21,880
Speaker 2: That's what girl friendships are four exactly exactly.

507
00:21:22,280 --> 00:21:24,920
Speaker 3: We've also got Walker's Wacky Workshop where you can create

508
00:21:24,920 --> 00:21:26,280
Speaker 3: in craft orin sweet treats.

509
00:21:28,680 --> 00:21:30,760
Speaker 4: It sounds delicious. I love a nerds gummy cluster, and

510
00:21:30,800 --> 00:21:31,640
Speaker 4: I think they're wonka.

511
00:21:31,800 --> 00:21:33,000
Speaker 2: So the girls in The.

512
00:21:34,960 --> 00:21:38,760
Speaker 3: Girls this week they had nerds clusters and I hadn't

513
00:21:38,800 --> 00:21:42,200
Speaker 3: ever had one. It was a textural experience. I thought

514
00:21:42,240 --> 00:21:44,760
Speaker 3: it would just be a whole heap of nerds stuck together.

515
00:21:45,160 --> 00:21:47,200
Speaker 3: But it threw me back to like, do you remember

516
00:21:47,240 --> 00:21:50,840
Speaker 3: in high school? Maybe they still have them, the nerds ropes.

517
00:21:51,160 --> 00:21:53,479
Speaker 3: It was like it was like, yeah, it was like

518
00:21:53,800 --> 00:21:55,680
Speaker 3: gummy in the middle with nerds stuck.

519
00:21:55,760 --> 00:21:59,600
Speaker 2: It was an experience really good, not for me personally,

520
00:21:59,640 --> 00:22:02,000
Speaker 2: but why I wasn't that sold That's why I was like,

521
00:22:02,480 --> 00:22:06,200
Speaker 2: it was an experience, really really nice. It's a sensory experience.

522
00:22:06,640 --> 00:22:09,320
Speaker 3: Last one is this really cool science thing which is

523
00:22:09,320 --> 00:22:13,000
Speaker 3: like a south Bank library at Boyd. It's George's marvelous

524
00:22:13,000 --> 00:22:15,320
Speaker 3: medicine mix up where you like make your own color

525
00:22:15,400 --> 00:22:18,960
Speaker 3: changing medicine thing. Anyway, so you make medicine, you're gonna

526
00:22:18,960 --> 00:22:22,199
Speaker 3: have to give us more like it's not just a

527
00:22:22,280 --> 00:22:23,560
Speaker 3: drug class for kids.

528
00:22:23,880 --> 00:22:25,919
Speaker 2: It's actually no, it's more of like a science.

529
00:22:26,119 --> 00:22:28,399
Speaker 3: It's like a science experiment. So it's also for adults.

530
00:22:28,400 --> 00:22:29,760
Speaker 3: You can just go on your own. I feel like

531
00:22:29,760 --> 00:22:32,479
Speaker 3: I actually will I have a baby now, which I

532
00:22:32,480 --> 00:22:36,600
Speaker 3: think gives us all of the rights to be like Harvey.

533
00:22:37,000 --> 00:22:38,840
Speaker 2: He might be four months old, but he wants to

534
00:22:38,840 --> 00:22:39,440
Speaker 2: go to the zoo.

535
00:22:39,640 --> 00:22:42,480
Speaker 4: Yeah, all the fun activities.

536
00:22:42,960 --> 00:22:45,120
Speaker 2: Jess and I we're going to be in. Oh, we'll

537
00:22:45,160 --> 00:22:50,080
Speaker 2: have to take the baby to that real hard All

538
00:22:50,240 --> 00:22:53,120
Speaker 2: your life is just like it's your world has opened up.

539
00:22:53,320 --> 00:22:54,399
Speaker 2: I know what is your oyster?

540
00:22:54,520 --> 00:22:54,720
Speaker 3: Now?

541
00:22:54,760 --> 00:22:56,440
Speaker 2: Thank you? Thank you.

542
00:22:56,480 --> 00:22:58,280
Speaker 3: All right, let's go to a really quick break on

543
00:22:58,320 --> 00:23:00,400
Speaker 3: the flip side. We're going to be talking about buying

544
00:23:00,440 --> 00:23:03,520
Speaker 3: property from an inheritance while in a relationship. And we're

545
00:23:03,520 --> 00:23:05,720
Speaker 3: going to unpack something that you slid into our DMS about.

546
00:23:05,720 --> 00:23:08,359
Speaker 3: We're chatting this week about covering costs when travel with

547
00:23:08,400 --> 00:23:11,240
Speaker 3: friends changes, so guys don't go anywhere.

548
00:23:15,840 --> 00:23:18,760
Speaker 4: Welcome back, everybody. Let's take a listen to this week's

549
00:23:18,880 --> 00:23:19,920
Speaker 4: money dilemma.

550
00:23:22,080 --> 00:23:24,479
Speaker 3: Hi. There, have you got a money dilemma you just

551
00:23:24,480 --> 00:23:27,000
Speaker 3: can't solve? The Sheese on the Money team is here

552
00:23:27,040 --> 00:23:30,280
Speaker 3: to help. Every week, we tackle your dilemmas, both big

553
00:23:30,320 --> 00:23:33,280
Speaker 3: and small, to answer your most burning money, career.

554
00:23:32,960 --> 00:23:33,960
Speaker 2: And life questions.

555
00:23:34,160 --> 00:23:36,640
Speaker 3: To get involved, simply head to our website and leave

556
00:23:36,720 --> 00:23:38,840
Speaker 3: us a short voice recording and you might just find

557
00:23:38,880 --> 00:23:41,600
Speaker 3: yourself on the show. Now, let's take a listen to

558
00:23:41,640 --> 00:23:42,840
Speaker 3: this week's money dilemma.

559
00:23:44,119 --> 00:23:46,800
Speaker 5: Hey, guys, I recently come into quite a large amount

560
00:23:46,840 --> 00:23:49,280
Speaker 5: of inheritance and I'm looking into buying my first home

561
00:23:49,320 --> 00:23:51,359
Speaker 5: with this. It's such a bit of sweat time and

562
00:23:51,359 --> 00:23:53,879
Speaker 5: I'm so grateful for this life changing opportunity and i

563
00:23:53,960 --> 00:23:56,320
Speaker 5: want to ensure I honor it. I've been with my

564
00:23:56,359 --> 00:23:58,640
Speaker 5: partner for just over four years and we have all

565
00:23:58,640 --> 00:24:01,680
Speaker 5: the intentions to continue. While we share our bills fifty

566
00:24:01,720 --> 00:24:04,840
Speaker 5: to fifty, we don't share finances or own major assets together,

567
00:24:04,880 --> 00:24:07,480
Speaker 5: and we don't intend to have kids or get married.

568
00:24:07,800 --> 00:24:10,120
Speaker 5: My partner hasn't got enough savings yet to put down

569
00:24:10,160 --> 00:24:12,439
Speaker 5: a deposit. I'm a little unsure about how to go

570
00:24:12,520 --> 00:24:15,359
Speaker 5: about buying a house and sharing with them. My options

571
00:24:15,400 --> 00:24:17,600
Speaker 5: would be to buy the house independently and have my

572
00:24:17,720 --> 00:24:21,560
Speaker 5: partner pay rent, or maybe have them share a very

573
00:24:21,600 --> 00:24:24,600
Speaker 5: small portion of the deposit. Both feel like there is

574
00:24:24,640 --> 00:24:27,320
Speaker 5: some gray area. We are currently in the sharehouse and

575
00:24:27,440 --> 00:24:29,840
Speaker 5: dying to have our own space. I want to help

576
00:24:29,920 --> 00:24:32,280
Speaker 5: us both, but I do know of horror stories where

577
00:24:32,280 --> 00:24:34,280
Speaker 5: someone is able to get half a house they haven't

578
00:24:34,280 --> 00:24:36,840
Speaker 5: paid for. I'm wondering what your thoughts are on this?

579
00:24:37,280 --> 00:24:37,720
Speaker 5: Thank you?

580
00:24:38,080 --> 00:24:39,120
Speaker 2: What are you guys for? Reckon?

581
00:24:39,920 --> 00:24:42,760
Speaker 3: I didn't even think about the last bit where like you,

582
00:24:43,200 --> 00:24:45,880
Speaker 3: if you're like parted de facto, maybe you can get

583
00:24:45,960 --> 00:24:49,720
Speaker 3: path of a property or like the money from that property,

584
00:24:49,760 --> 00:24:51,760
Speaker 3: because initially I was like, oh, yeah, just buy it

585
00:24:51,800 --> 00:24:55,920
Speaker 3: yourself and then it's yours, it's yours. But I did

586
00:24:55,960 --> 00:24:59,199
Speaker 3: not think about that. Is that like how much of

587
00:24:59,200 --> 00:25:00,720
Speaker 3: a concern is that? Is that a real thing?

588
00:25:00,840 --> 00:25:04,000
Speaker 4: Like if you just so like technically speaking from what

589
00:25:04,080 --> 00:25:07,119
Speaker 4: I understand you, like, but I mean it happens when

590
00:25:07,160 --> 00:25:08,960
Speaker 4: you just live with someone, Like technically, my partner and

591
00:25:09,000 --> 00:25:11,760
Speaker 4: I have lived together long enough that like we qualify

592
00:25:11,920 --> 00:25:14,840
Speaker 4: for like a share, like we could go after each

593
00:25:14,880 --> 00:25:18,240
Speaker 4: other's like super one, all of those sorts of things.

594
00:25:18,800 --> 00:25:23,320
Speaker 3: So in Australia, a de facto of relationship is when

595
00:25:23,320 --> 00:25:26,720
Speaker 3: two people are not married but live together or have

596
00:25:26,800 --> 00:25:30,800
Speaker 3: lived together as a couple on a genuine domestic basis,

597
00:25:31,160 --> 00:25:33,720
Speaker 3: and a family law court can make decisions if there's

598
00:25:33,760 --> 00:25:37,879
Speaker 3: no agreement. So essentially, even if you were like not

599
00:25:38,040 --> 00:25:39,440
Speaker 3: boyfriend and girlfriend because you.

600
00:25:39,359 --> 00:25:41,800
Speaker 2: Hadn't put a label on it and then they moved in.

601
00:25:42,080 --> 00:25:45,399
Speaker 3: Like after two years, you are actually de facto when

602
00:25:45,440 --> 00:25:46,960
Speaker 3: it comes to the eyes of the law. So you

603
00:25:47,000 --> 00:25:50,679
Speaker 3: actually do have to be quite careful about that because

604
00:25:50,760 --> 00:25:52,960
Speaker 3: your assets do get mixed up into that, And I

605
00:25:53,000 --> 00:25:56,720
Speaker 3: mean there are conversations to be had about what assets

606
00:25:56,720 --> 00:26:00,919
Speaker 3: you owned pre relationship and then what assets you acquired

607
00:26:01,080 --> 00:26:04,080
Speaker 3: during the relationship and whether they come into play. But

608
00:26:04,920 --> 00:26:07,800
Speaker 3: as a basis, what happens is and I mean the

609
00:26:07,800 --> 00:26:10,080
Speaker 3: courts are going to look at things differently if it

610
00:26:10,160 --> 00:26:13,600
Speaker 3: goes that far, but yes, they are able to go

611
00:26:13,680 --> 00:26:17,040
Speaker 3: for your stuff. I guess is the really short story.

612
00:26:17,320 --> 00:26:19,639
Speaker 3: This is going to change depending on what state or

613
00:26:19,720 --> 00:26:22,400
Speaker 3: territory you live in, or even what country you live in.

614
00:26:22,680 --> 00:26:25,240
Speaker 3: I know that in Australia, Jess you mentioned like, oh,

615
00:26:25,280 --> 00:26:27,639
Speaker 3: we could go for each other super, and that's absolutely

616
00:26:27,680 --> 00:26:30,360
Speaker 3: correct because Jess lives in Victoria, whereas if you lived

617
00:26:30,400 --> 00:26:33,520
Speaker 3: in Western Australia that's not the case. So in Western

618
00:26:33,560 --> 00:26:37,080
Speaker 3: Australia that's the only state that you can't go for

619
00:26:37,119 --> 00:26:41,320
Speaker 3: your partner super, which, to be honest, I don't like

620
00:26:41,720 --> 00:26:45,919
Speaker 3: because I feel like that significantly impacts women more than

621
00:26:46,080 --> 00:26:48,399
Speaker 3: impacts men. And if you think about it a little

622
00:26:48,400 --> 00:26:50,800
Speaker 3: bit deeper, a man might have been able to be

623
00:26:50,840 --> 00:26:53,159
Speaker 3: in the workforce for their entire career and how to

624
00:26:53,160 --> 00:26:56,440
Speaker 3: stay at home mum for their entire career, and then

625
00:26:56,560 --> 00:26:58,439
Speaker 3: they decide to get a divorce once the kids have

626
00:26:58,440 --> 00:27:00,679
Speaker 3: grown up because they stayed together for kids, for their

627
00:27:00,720 --> 00:27:04,040
Speaker 3: whole relationship, and now the mum is significantly worse off

628
00:27:04,080 --> 00:27:06,880
Speaker 3: because she has no retirement savings and she can't actually

629
00:27:06,960 --> 00:27:09,520
Speaker 3: access any of that, even though you and I would

630
00:27:09,600 --> 00:27:12,399
Speaker 3: probably agree that yeah, she probably should be able to

631
00:27:12,440 --> 00:27:14,959
Speaker 3: access some of his super. So there's a deeper conversation

632
00:27:15,040 --> 00:27:17,080
Speaker 3: about that to be had, and I know that there

633
00:27:17,359 --> 00:27:19,679
Speaker 3: is a lot of conversation about that changing, which is

634
00:27:19,720 --> 00:27:23,960
Speaker 3: really positive. But ultimately, these laws exist to protect both

635
00:27:24,000 --> 00:27:26,840
Speaker 3: parties in a relationship, because if you acquire something in

636
00:27:26,840 --> 00:27:28,879
Speaker 3: a relationship, Beck, when you and I are all happy

637
00:27:28,880 --> 00:27:32,359
Speaker 3: and hunky dory, there's an assumption that it was both

638
00:27:32,359 --> 00:27:35,560
Speaker 3: of our relationship and our you know, supporting each other

639
00:27:35,600 --> 00:27:38,359
Speaker 3: that got us to that. Whereas an inheritance that's a

640
00:27:38,400 --> 00:27:41,040
Speaker 3: different story. And you and I might might live together

641
00:27:41,080 --> 00:27:43,399
Speaker 3: because like, cost of living is really high, and at

642
00:27:43,400 --> 00:27:44,880
Speaker 3: the end of the day, I do feel like lots

643
00:27:44,880 --> 00:27:47,680
Speaker 3: of people they just move in together because it's honestly convenient.

644
00:27:48,000 --> 00:27:49,760
Speaker 2: Like, Beck, life's expensive.

645
00:27:50,080 --> 00:27:52,320
Speaker 3: You're staying at my house five nights a week, anyway,

646
00:27:52,400 --> 00:27:54,359
Speaker 3: why don't you just move in? Like it wasn't that

647
00:27:54,480 --> 00:27:57,239
Speaker 3: serious of a relationship, but like, let's just do this

648
00:27:57,280 --> 00:27:58,960
Speaker 3: for now. If we break up, you just move out

649
00:27:59,040 --> 00:28:02,600
Speaker 3: right really easy. But what if you got an inheritance.

650
00:28:03,320 --> 00:28:05,879
Speaker 3: I'm then legally able to be like, oh, well, we

651
00:28:05,960 --> 00:28:08,520
Speaker 3: broke up, but like you got that during our relationship,

652
00:28:08,680 --> 00:28:09,639
Speaker 3: I can have half of that.

653
00:28:10,480 --> 00:28:12,280
Speaker 4: Yeah, I feel like it gives me the like a

654
00:28:12,320 --> 00:28:14,840
Speaker 4: good thing to bring up is that, like, regardless of

655
00:28:14,840 --> 00:28:16,840
Speaker 4: whether you buy a house or whether you use the

656
00:28:17,080 --> 00:28:21,760
Speaker 4: cash for some other asset, theoretically they may be entitled

657
00:28:21,800 --> 00:28:24,000
Speaker 4: to that regardless of what you do with it. So

658
00:28:24,080 --> 00:28:25,679
Speaker 4: like putting it in a house or not putting it

659
00:28:25,680 --> 00:28:27,639
Speaker 4: in a house, isn't the difference between.

660
00:28:27,520 --> 00:28:29,040
Speaker 2: Yeah, it's not and not protecting it.

661
00:28:29,240 --> 00:28:31,680
Speaker 3: Yeah, Like the cash is up for grabs, and it's

662
00:28:31,760 --> 00:28:34,440
Speaker 3: not necessarily immediately up for grabs. And this is where

663
00:28:34,440 --> 00:28:37,320
Speaker 3: you need to get a financial advisor or an accountant

664
00:28:37,320 --> 00:28:40,440
Speaker 3: involved to discuss this because often what happens, and this

665
00:28:40,520 --> 00:28:43,520
Speaker 3: is probably going on a little bit of an inheritance tangent,

666
00:28:43,600 --> 00:28:46,360
Speaker 3: and we'll put in the show notes a couple of

667
00:28:46,360 --> 00:28:50,720
Speaker 3: links to episodes where I've spoken in more depth about inheritance. However,

668
00:28:51,200 --> 00:28:54,920
Speaker 3: when an inheritance gets transferred, right, let's say I passed

669
00:28:54,920 --> 00:28:57,600
Speaker 3: away yesterday and I've put Beck in my will, what

670
00:28:57,720 --> 00:29:00,800
Speaker 3: often happens is I might have establish to trust, which

671
00:29:00,840 --> 00:29:03,920
Speaker 3: will then become a testamentary trust because it's testamentary because

672
00:29:03,920 --> 00:29:06,160
Speaker 3: I've passed away. And that's the only way a testamentary

673
00:29:06,160 --> 00:29:09,959
Speaker 3: trust can be established. That money sitting in that trust

674
00:29:10,480 --> 00:29:13,240
Speaker 3: if it's in the trust is protected until you take

675
00:29:13,280 --> 00:29:16,000
Speaker 3: it out of the trust. So often people go, I

676
00:29:16,000 --> 00:29:17,920
Speaker 3: don't need the trust. I'm just get rid of that

677
00:29:18,080 --> 00:29:19,800
Speaker 3: right now, because you know I'm going to have to

678
00:29:19,800 --> 00:29:22,080
Speaker 3: do a tax return for that trust, and that's money

679
00:29:22,080 --> 00:29:23,680
Speaker 3: that I don't really want to be spending.

680
00:29:23,720 --> 00:29:24,640
Speaker 2: That's expensive.

681
00:29:25,040 --> 00:29:28,320
Speaker 3: But what you're forgetting is the protection that trust is

682
00:29:28,360 --> 00:29:31,640
Speaker 3: currently affording you because if it was inherited to you.

683
00:29:31,760 --> 00:29:33,680
Speaker 3: And don't get me wrong, this isn't legal advice. This

684
00:29:33,800 --> 00:29:36,800
Speaker 3: is just how I've seen it happen with previous clients.

685
00:29:37,160 --> 00:29:39,680
Speaker 3: If it's in the testamentary trust still and you haven't

686
00:29:39,680 --> 00:29:42,840
Speaker 3: dissolved that structure, you are going to be in a

687
00:29:42,840 --> 00:29:45,200
Speaker 3: position where it's protected from your partner the second you

688
00:29:45,200 --> 00:29:47,040
Speaker 3: pull it out and put it in your own bank account.

689
00:29:47,080 --> 00:29:48,400
Speaker 3: Even if you don't want to make a decision on

690
00:29:48,440 --> 00:29:51,040
Speaker 3: it right now, it's now an asset that they have

691
00:29:51,160 --> 00:29:54,240
Speaker 3: access to. So we need to make sure that if

692
00:29:54,280 --> 00:29:56,640
Speaker 3: it's been left that way, it's there. But then you

693
00:29:56,800 --> 00:29:59,160
Speaker 3: also need to be talking about, all right, well how

694
00:29:59,160 --> 00:30:01,840
Speaker 3: do I protect this. Let's say it just got transferred

695
00:30:01,880 --> 00:30:05,400
Speaker 3: directly to your bank account. Talk to your accountant about

696
00:30:05,440 --> 00:30:07,720
Speaker 3: setting up a trust to begin with that. Maybe you

697
00:30:07,760 --> 00:30:11,720
Speaker 3: put that in talk to your accountant about maybe working

698
00:30:11,760 --> 00:30:14,720
Speaker 3: with them or working with a legal advisor to set

699
00:30:14,760 --> 00:30:19,080
Speaker 3: up a binding financial agreement that outlines, Okay, I got this,

700
00:30:19,680 --> 00:30:21,880
Speaker 3: and if we break up, I don't want you to

701
00:30:21,880 --> 00:30:25,560
Speaker 3: be able to take it. Any sane reasonable human being

702
00:30:25,600 --> 00:30:27,520
Speaker 3: would be like, yeah, of course, Beck, that's you know,

703
00:30:27,800 --> 00:30:30,440
Speaker 3: money from a family member or a loved one that's

704
00:30:30,480 --> 00:30:32,240
Speaker 3: really important to you, and I actually have no claim

705
00:30:32,240 --> 00:30:32,560
Speaker 3: over that.

706
00:30:32,840 --> 00:30:34,880
Speaker 2: To me, it's a red flag if they were going, oh,

707
00:30:34,960 --> 00:30:37,440
Speaker 2: but like if I broke up with you, like, what

708
00:30:37,480 --> 00:30:38,440
Speaker 2: do you mean I got nothing?

709
00:30:38,680 --> 00:30:42,560
Speaker 3: I'm sorry, Sorry, sir, Absolutely not. So I think it's

710
00:30:42,600 --> 00:30:46,920
Speaker 3: important to have those conversations. But then also even if

711
00:30:46,960 --> 00:30:49,160
Speaker 3: you're like, oh, but I'm in love with Beck, which

712
00:30:49,200 --> 00:30:52,400
Speaker 3: I am, just would mean of course I get it,

713
00:30:52,640 --> 00:30:55,000
Speaker 3: but we're never going to break up. This money is

714
00:30:55,080 --> 00:30:58,280
Speaker 3: for us to create our future and build our future.

715
00:30:58,760 --> 00:31:01,560
Speaker 3: The best time to be talking about what would happen

716
00:31:01,960 --> 00:31:04,200
Speaker 3: if our relationship dissolved is when we're in the best

717
00:31:04,200 --> 00:31:08,480
Speaker 3: possible position right like, right now, nobody's cheated right now,

718
00:31:08,520 --> 00:31:11,760
Speaker 3: there's no animosity in our relationship. I want to sit

719
00:31:11,800 --> 00:31:14,040
Speaker 3: down with you and have a chat about the best

720
00:31:14,040 --> 00:31:18,200
Speaker 3: possible outcome, and usually protecting an inheritance is really smart.

721
00:31:18,240 --> 00:31:20,200
Speaker 3: So let's say that you purchased a property with some

722
00:31:20,280 --> 00:31:23,600
Speaker 3: inheritance and you use that inheritance as your deposit. Beck,

723
00:31:23,680 --> 00:31:26,720
Speaker 3: Let's pretend for a second that the inheritance is from me,

724
00:31:27,160 --> 00:31:29,600
Speaker 3: like it's come through me. We're in a relationship. You

725
00:31:29,600 --> 00:31:31,560
Speaker 3: didn't have a house deposit. All of a sudden, I've

726
00:31:31,560 --> 00:31:35,480
Speaker 3: got this inheritance. We have a house deposit, but you're

727
00:31:35,520 --> 00:31:38,560
Speaker 3: going to pay fifty percent of the mortgage. So maybe

728
00:31:38,600 --> 00:31:41,000
Speaker 3: we put together a binding financial agreement that if things

729
00:31:41,040 --> 00:31:43,640
Speaker 3: don't work out between us, I can pull out my

730
00:31:43,760 --> 00:31:46,120
Speaker 3: inheritance and put it back in my bank account from

731
00:31:46,120 --> 00:31:48,719
Speaker 3: the profits of the sale of that property, and then

732
00:31:48,760 --> 00:31:51,080
Speaker 3: we split things fifty to fifty after that. Yeh, so

733
00:31:51,560 --> 00:31:54,280
Speaker 3: I think there's a conversation. It doesn't automatically mean that

734
00:31:54,320 --> 00:31:56,960
Speaker 3: you get my stuff. You're obviously benefiting from it because

735
00:31:56,960 --> 00:31:59,640
Speaker 3: we're getting into the property market together. However, I think

736
00:31:59,680 --> 00:32:02,960
Speaker 3: they need to be a deeper conversation around well, actually,

737
00:32:03,000 --> 00:32:05,240
Speaker 3: if this doesn't work out between your eye, like, I

738
00:32:05,320 --> 00:32:07,840
Speaker 3: want to walk away with what I put in, And

739
00:32:07,880 --> 00:32:10,680
Speaker 3: the same is true for anything like you know, Jess,

740
00:32:10,720 --> 00:32:13,640
Speaker 3: for example, is talking about purchasing property. She's been very

741
00:32:13,680 --> 00:32:16,000
Speaker 3: open on our podcast about that, and she's doing it

742
00:32:16,040 --> 00:32:19,320
Speaker 3: on her own. I have been in the background being like, Jesse,

743
00:32:19,360 --> 00:32:21,880
Speaker 3: if you don't have a binding financial agreement, I'm coming

744
00:32:21,920 --> 00:32:24,920
Speaker 3: for you, Like you want my help, this is what

745
00:32:24,960 --> 00:32:26,960
Speaker 3: you're gonna do. Not because I don't love her partner.

746
00:32:26,960 --> 00:32:28,880
Speaker 3: I think her partner's great. I don't think they're going

747
00:32:28,920 --> 00:32:30,520
Speaker 3: to break up. I think that they're in a really

748
00:32:30,560 --> 00:32:33,520
Speaker 3: solid relationship. But Jess is the one putting forward a

749
00:32:33,560 --> 00:32:35,360
Speaker 3: deposit and he's going to move into the hat. Like

750
00:32:35,400 --> 00:32:37,880
Speaker 3: there's a lot of things that I go, we as

751
00:32:37,880 --> 00:32:40,680
Speaker 3: women need to be protecting ourselves and making sure we're

752
00:32:40,680 --> 00:32:43,400
Speaker 3: in the best possible position, even if the relationship we're

753
00:32:43,440 --> 00:32:45,880
Speaker 3: in is one hundred percent sound yeah, Like these are

754
00:32:45,920 --> 00:32:48,240
Speaker 3: things we need to be considering because I don't think

755
00:32:48,280 --> 00:32:50,840
Speaker 3: anyone gets married because they go like it's all good,

756
00:32:50,920 --> 00:32:52,760
Speaker 3: let's beend like what one hundred grand on a wedding

757
00:32:52,880 --> 00:32:55,520
Speaker 3: or something for us to get a divorce later. Like,

758
00:32:55,560 --> 00:32:57,080
Speaker 3: no one gets married if they think they're going to

759
00:32:57,120 --> 00:32:59,720
Speaker 3: get divorced. No one goes into a relationship. And says

760
00:32:59,800 --> 00:33:02,640
Speaker 3: Jeff let's move in together. I love you so much

761
00:33:03,600 --> 00:33:07,239
Speaker 3: to have to go through the pain of breaking up

762
00:33:07,240 --> 00:33:09,160
Speaker 3: and moving out and being like, are these your pots

763
00:33:09,240 --> 00:33:09,920
Speaker 3: or my pots?

764
00:33:09,920 --> 00:33:10,960
Speaker 2: Who gets the microwave?

765
00:33:11,040 --> 00:33:13,640
Speaker 3: No one wants that, right, Like, you don't get into

766
00:33:13,680 --> 00:33:16,160
Speaker 3: a relationship because you know it's going to end. So

767
00:33:16,240 --> 00:33:19,200
Speaker 3: I think we always get into things with the best intentions,

768
00:33:19,240 --> 00:33:25,440
Speaker 3: and as humans, we are internally very optimistic about relationships.

769
00:33:25,760 --> 00:33:27,840
Speaker 3: But I think that we need to protect ourselves no

770
00:33:27,880 --> 00:33:30,160
Speaker 3: matter how much we love someone. And that can feel

771
00:33:30,160 --> 00:33:31,920
Speaker 3: negative because you're like, I don't want to bring up

772
00:33:32,000 --> 00:33:34,080
Speaker 3: what's going to happen with my partner if we.

773
00:33:34,040 --> 00:33:36,240
Speaker 2: Break up, but you have to. They're the rules I

774
00:33:36,320 --> 00:33:38,320
Speaker 2: made them, so I.

775
00:33:38,280 --> 00:33:39,760
Speaker 4: Feel like I've got nothing else to add.

776
00:33:40,320 --> 00:33:44,560
Speaker 2: I think that's very, very thorough and well sigh again.

777
00:33:44,760 --> 00:33:47,560
Speaker 3: If you want more information on inheritance, we have done

778
00:33:47,560 --> 00:33:49,520
Speaker 3: a couple of podcasts on them, and we'll make sure

779
00:33:49,520 --> 00:33:51,680
Speaker 3: that the links to those podcasts are in the show

780
00:33:51,680 --> 00:33:54,320
Speaker 3: notes this week, because I think it's an important topic. Like,

781
00:33:54,360 --> 00:33:56,360
Speaker 3: at the end of the day, it could be five

782
00:33:56,440 --> 00:33:58,480
Speaker 3: hundred dollars, it could be five hundred million dollars, but

783
00:33:58,520 --> 00:34:01,680
Speaker 3: that money needs to be treated with respect and I

784
00:34:01,720 --> 00:34:06,600
Speaker 3: think that often we get analysis paralysis around these things.

785
00:34:06,640 --> 00:34:10,040
Speaker 3: And I've said it before, we often also carry a

786
00:34:10,080 --> 00:34:12,839
Speaker 3: lot of guilt when we have an inheritance about you know,

787
00:34:13,080 --> 00:34:15,120
Speaker 3: honoring it and doing the right thing with it. And

788
00:34:15,280 --> 00:34:17,799
Speaker 3: you know, I think that's a really big topic that

789
00:34:17,880 --> 00:34:20,040
Speaker 3: if you know you're in that position, please do some

790
00:34:20,080 --> 00:34:20,680
Speaker 3: more research.

791
00:34:21,520 --> 00:34:25,360
Speaker 2: Yeah, completely agree, let's soul we should we Yeah, one

792
00:34:27,600 --> 00:34:29,480
Speaker 2: time of the week, Beck, you are right.

793
00:34:29,520 --> 00:34:32,080
Speaker 3: I think it is time to slide on into something juicy.

794
00:34:32,360 --> 00:34:34,760
Speaker 3: Are you ready for this week's money dilemma?

795
00:34:34,960 --> 00:34:35,240
Speaker 4: Yes?

796
00:34:35,480 --> 00:34:38,719
Speaker 2: All right, let's go. So here's the DM that we received.

797
00:34:39,239 --> 00:34:42,080
Speaker 3: Hey, team, question for you travel related and then the

798
00:34:42,160 --> 00:34:45,000
Speaker 3: like little aeroplane emoji. I'm going away to Bali with

799
00:34:45,040 --> 00:34:47,280
Speaker 3: a friend and all has been locked in for a while.

800
00:34:47,360 --> 00:34:50,359
Speaker 3: Now we are spending two weeks together before going our

801
00:34:50,400 --> 00:34:51,200
Speaker 3: separate ways.

802
00:34:50,960 --> 00:34:53,440
Speaker 2: To do further travel. Very nice, all right.

803
00:34:54,040 --> 00:34:57,240
Speaker 3: She has had a last minute change to itinerary, which

804
00:34:57,280 --> 00:34:59,920
Speaker 3: now means she'll leave me two nights earlier than we

805
00:35:00,080 --> 00:35:03,080
Speaker 3: had planned. For this accommodation, we were paying two hundred

806
00:35:03,120 --> 00:35:06,120
Speaker 3: dollars a night each, so a total of four hundred dollars.

807
00:35:06,480 --> 00:35:08,719
Speaker 3: We were splashing a little bit because this was our

808
00:35:08,719 --> 00:35:12,080
Speaker 3: final destination. Now she's leaving, she said that she won't

809
00:35:12,120 --> 00:35:15,000
Speaker 3: be paying her half of the room we have already booked.

810
00:35:15,400 --> 00:35:17,839
Speaker 3: I can't afford it on my own, so I'll have

811
00:35:17,880 --> 00:35:21,120
Speaker 3: to change accommodation, which is really annoying for me. But

812
00:35:21,239 --> 00:35:24,080
Speaker 3: on top of this, as it's such a last minute change,

813
00:35:24,120 --> 00:35:28,000
Speaker 3: I'm talking this is next week. Other accommodation is looking

814
00:35:28,000 --> 00:35:30,799
Speaker 3: at being about three hundred dollars a night on my own.

815
00:35:31,200 --> 00:35:33,479
Speaker 3: She isn't willing to put anything in, but I think

816
00:35:33,520 --> 00:35:35,799
Speaker 3: she should. What do you think and what do you

817
00:35:35,840 --> 00:35:39,560
Speaker 3: think I should do? Oh, you gotta pay for it.

818
00:35:39,760 --> 00:35:43,120
Speaker 2: Exactly before it is crazy.

819
00:35:42,640 --> 00:35:44,799
Speaker 3: Yeah, like you can cancel it, like as she's saying,

820
00:35:44,840 --> 00:35:47,200
Speaker 3: like everything else is really expensive and also leaving a

821
00:35:47,239 --> 00:35:50,520
Speaker 3: week out, you kind of like staff for options. But

822
00:35:50,719 --> 00:35:53,040
Speaker 3: when I was in Japan, I kind of told my friends,

823
00:35:53,120 --> 00:35:54,640
Speaker 3: like I don't know that I'll make it to the

824
00:35:54,680 --> 00:35:57,760
Speaker 3: last leg, but everything I'd already been booked, so obviously

825
00:35:57,800 --> 00:35:59,840
Speaker 3: I'm going to pay for it. Like there is the

826
00:36:00,000 --> 00:36:01,719
Speaker 3: it's not even a question like that's.

827
00:36:01,520 --> 00:36:02,640
Speaker 2: So I agree.

828
00:36:03,040 --> 00:36:05,640
Speaker 3: You just you obviously got to pay for it. Otherwise,

829
00:36:05,680 --> 00:36:09,160
Speaker 3: like this listener's whole plan would have been different. I'm

830
00:36:09,160 --> 00:36:10,759
Speaker 3: sure they would have maybe like gone somewhere else and

831
00:36:10,880 --> 00:36:14,120
Speaker 3: just like left later or whatever. You just you must,

832
00:36:14,239 --> 00:36:15,879
Speaker 3: there's no question about. It's black and white.

833
00:36:15,880 --> 00:36:18,359
Speaker 2: You must. But how do you deal with that? Now,

834
00:36:18,400 --> 00:36:19,560
Speaker 2: that's that's a tricky thing.

835
00:36:19,600 --> 00:36:22,120
Speaker 3: Well, I feel like shooting them in the foot as well,

836
00:36:22,200 --> 00:36:24,239
Speaker 3: because it's like, all right, well, if you're not going

837
00:36:24,280 --> 00:36:25,719
Speaker 3: to be there for the last two days, we are

838
00:36:25,719 --> 00:36:28,480
Speaker 3: planning and going our separate ways. But even if she

839
00:36:28,520 --> 00:36:31,040
Speaker 3: wanted to fly home early and go, all right, well,

840
00:36:31,080 --> 00:36:33,400
Speaker 3: I can't afford that accommodation, Like I'm just going to

841
00:36:33,480 --> 00:36:34,800
Speaker 3: go home a little bit earlier.

842
00:36:35,320 --> 00:36:36,280
Speaker 2: She's probably gonna.

843
00:36:36,040 --> 00:36:38,800
Speaker 3: Have to pay fees to change her flights, like yeah,

844
00:36:38,840 --> 00:36:42,040
Speaker 3: and fee changes on flights are expensive, so it'll probably

845
00:36:42,080 --> 00:36:44,239
Speaker 3: cost her four hundred bucks to do that anyway, So

846
00:36:44,320 --> 00:36:47,000
Speaker 3: I just feel like that's not fair. Like I can

847
00:36:47,040 --> 00:36:49,719
Speaker 3: see that her friends like, oh, plans have changed, but

848
00:36:50,000 --> 00:36:53,279
Speaker 3: also you agreed to that, Like you can't just back

849
00:36:53,320 --> 00:36:55,560
Speaker 3: out and be like, oh, by the way, you're in

850
00:36:55,600 --> 00:36:57,600
Speaker 3: a foreign country and now you're going to have to

851
00:36:57,680 --> 00:37:02,200
Speaker 3: change accommodation. I don't know about her, but I also

852
00:37:02,800 --> 00:37:06,319
Speaker 3: at four hundred dollars a night in Bali. That's expensive

853
00:37:06,400 --> 00:37:10,160
Speaker 3: to me. I don't know if that's just you guys,

854
00:37:10,200 --> 00:37:12,799
Speaker 3: Like I don't know what your previous budget for accommodation was,

855
00:37:12,840 --> 00:37:14,719
Speaker 3: Like you know, you could spend thirty dollars a night

856
00:37:14,760 --> 00:37:16,839
Speaker 3: in Bali and get something, and you could also spend

857
00:37:16,840 --> 00:37:19,959
Speaker 3: a thousand dollars a night, so who knows. But I'm

858
00:37:19,960 --> 00:37:22,080
Speaker 3: the type of person that likes to feel really safe

859
00:37:22,120 --> 00:37:25,680
Speaker 3: and secure when I'm traveling, especially in foreign countries, So

860
00:37:26,080 --> 00:37:28,320
Speaker 3: I wouldn't have been okay with like a thirty dollars

861
00:37:28,320 --> 00:37:31,560
Speaker 3: a night option. So like maybe that four hundred dollars

862
00:37:31,640 --> 00:37:34,640
Speaker 3: was being spent because it was like, you know, the safe, secure,

863
00:37:34,960 --> 00:37:36,640
Speaker 3: and now you're going to leave your friend hyen dry

864
00:37:36,680 --> 00:37:39,319
Speaker 3: to go and find more accommodation and spend beyond her

865
00:37:39,360 --> 00:37:42,000
Speaker 3: means to have that same level of safety. Like I

866
00:37:42,000 --> 00:37:43,560
Speaker 3: don't know, I don't feel okay about that.

867
00:37:43,760 --> 00:37:46,080
Speaker 4: No, I'd be curious to know why she changed, Like

868
00:37:46,160 --> 00:37:48,480
Speaker 4: did an emergency come up and she's got to get

869
00:37:48,480 --> 00:37:52,200
Speaker 4: home early because someone's done well? Is she just deciding

870
00:37:52,239 --> 00:37:54,640
Speaker 4: that she wants to go to a different country because

871
00:37:54,640 --> 00:37:57,000
Speaker 4: it's close by, Like I think that that definitely plays

872
00:37:57,040 --> 00:37:59,359
Speaker 4: into it, and it sounds like maybe she hasn't thought

873
00:37:59,360 --> 00:38:02,719
Speaker 4: about it, because if they can change their accommodation, I'm

874
00:38:02,800 --> 00:38:06,239
Speaker 4: assuming that maybe it's one of those maybe you pay

875
00:38:06,239 --> 00:38:09,040
Speaker 4: a small deposit upfront and you pay the balance when

876
00:38:09,080 --> 00:38:11,880
Speaker 4: you get there, and so maybe the friend has just gone, oh, well,

877
00:38:11,880 --> 00:38:14,520
Speaker 4: we haven't paid for it yet, right, so like it's

878
00:38:14,560 --> 00:38:17,040
Speaker 4: not like you're out there. Maybe it hasn't computed in

879
00:38:17,080 --> 00:38:21,600
Speaker 4: her brain, yeah, decision, and maybe she just kind of went, oh, like,

880
00:38:21,640 --> 00:38:23,840
Speaker 4: it'll be easy, Like you can just find something by yourself,

881
00:38:23,880 --> 00:38:25,720
Speaker 4: like we've done all of the rest of the trip cheaper,

882
00:38:26,560 --> 00:38:29,160
Speaker 4: you know, you'll be fine, so like, which I think

883
00:38:29,200 --> 00:38:32,000
Speaker 4: is very selfish, don't get me wrong, But maybe the

884
00:38:32,040 --> 00:38:34,120
Speaker 4: way that our listener can approach it is to kind

885
00:38:34,160 --> 00:38:36,640
Speaker 4: of highlight these things and say, hey, like I've looked,

886
00:38:36,880 --> 00:38:38,719
Speaker 4: there are no other options. It's going to be so

887
00:38:38,800 --> 00:38:41,279
Speaker 4: expensive that I can't afford it, Like you're really kind

888
00:38:41,320 --> 00:38:44,360
Speaker 4: of screwing me over effectively by doing this, and we

889
00:38:44,480 --> 00:38:47,839
Speaker 4: had agreed and it's so soon that there's not much

890
00:38:47,880 --> 00:38:50,120
Speaker 4: that I can do. I feel like that's how I

891
00:38:50,120 --> 00:38:52,520
Speaker 4: would kind of approach bringing it up, because I agree,

892
00:38:52,560 --> 00:38:55,280
Speaker 4: like I think it's very unfair to do that to somebody,

893
00:38:55,320 --> 00:38:57,040
Speaker 4: and if you had to change plans, if it was me,

894
00:38:57,080 --> 00:38:59,040
Speaker 4: I would say, oh, well, I'll still pay my half.

895
00:38:59,600 --> 00:39:03,520
Speaker 4: It is but maybe you know, to play devil's advocate.

896
00:39:03,520 --> 00:39:06,600
Speaker 4: Maybe the friend has just not realized the impact. Has gone,

897
00:39:06,600 --> 00:39:08,760
Speaker 4: Oh well, if we haven't paid for the accommodation, it's fine,

898
00:39:08,800 --> 00:39:10,480
Speaker 4: Like it's not like you're out of pocket.

899
00:39:11,239 --> 00:39:14,360
Speaker 2: Not really think it's the week before that's yeah.

900
00:39:14,400 --> 00:39:17,080
Speaker 3: And I can tell that they've already had this conversation

901
00:39:17,160 --> 00:39:19,600
Speaker 3: as well, because she said she isn't willing to put

902
00:39:19,640 --> 00:39:22,600
Speaker 3: anything in, but I think she should, because that's telling

903
00:39:22,640 --> 00:39:25,160
Speaker 3: me that you've already had the conversation and she said, well,

904
00:39:25,200 --> 00:39:26,960
Speaker 3: I'm not willing to do that, Like what are you

905
00:39:27,080 --> 00:39:30,960
Speaker 3: talking about? So this is like a secondary conversation. So

906
00:39:31,040 --> 00:39:32,920
Speaker 3: to me, that's even harder. It's not like, oh, I

907
00:39:32,960 --> 00:39:35,080
Speaker 3: think she should put something in. How do I approach it?

908
00:39:35,640 --> 00:39:39,200
Speaker 3: Like this is the second these said no, How do

909
00:39:39,280 --> 00:39:41,160
Speaker 3: I go back to her and say, well, actually, I

910
00:39:41,200 --> 00:39:42,799
Speaker 3: really think you should be doing this.

911
00:39:43,400 --> 00:39:45,640
Speaker 2: I don't know. It's an awkward conversation to have as.

912
00:39:45,560 --> 00:39:47,719
Speaker 4: Well, like, but also, what do you do? She just

913
00:39:47,719 --> 00:39:49,759
Speaker 4: said if she sticks for guns and says no, like

914
00:39:49,800 --> 00:39:53,840
Speaker 4: you can't shake her down, Like it's kind of the

915
00:39:53,840 --> 00:39:57,960
Speaker 4: potentialist of the trip to Ruin. Yeah, the experience while traveling,

916
00:39:57,960 --> 00:40:00,160
Speaker 4: which is a little bit of a concern.

917
00:40:00,440 --> 00:40:01,759
Speaker 2: Yeah, I don't like that at all.

918
00:40:01,800 --> 00:40:04,480
Speaker 3: I feel like she definitely should be paying for her

919
00:40:04,520 --> 00:40:06,640
Speaker 3: part because that was what was agreed to when you

920
00:40:06,680 --> 00:40:09,719
Speaker 3: booked the trip, when you booked flights and accommodation. It's

921
00:40:09,760 --> 00:40:12,719
Speaker 3: not oh, my friend's decided that her budget is different. Like,

922
00:40:12,760 --> 00:40:15,120
Speaker 3: I've just gotten back from a holiday, as you guys know,

923
00:40:15,360 --> 00:40:17,840
Speaker 3: and for part of that holiday, my best friend Rose

924
00:40:17,960 --> 00:40:22,239
Speaker 3: she joined us. But it was a conversation that we had.

925
00:40:22,360 --> 00:40:24,560
Speaker 3: I said, okay, like how much are we budgeting per

926
00:40:24,600 --> 00:40:27,959
Speaker 3: head for this trip before we even booked the accommodation,

927
00:40:28,360 --> 00:40:30,560
Speaker 3: And she was like, oh, I want to spend about

928
00:40:30,600 --> 00:40:32,919
Speaker 3: this much, you know, per head, And I said, great,

929
00:40:32,960 --> 00:40:35,040
Speaker 3: no worries. And then you know, obviously I've got me

930
00:40:35,200 --> 00:40:37,839
Speaker 3: and Steve and Harvey like we were working it all out.

931
00:40:37,840 --> 00:40:40,840
Speaker 3: We stayed in an apartment together, but we'd had that

932
00:40:41,040 --> 00:40:45,440
Speaker 3: solid conversation. If she'd backed out, let's be honest, like

933
00:40:45,920 --> 00:40:48,840
Speaker 3: she wouldn't. That's not very her. But like, I have

934
00:40:48,880 --> 00:40:50,600
Speaker 3: no doubt she'd be like, well, we agreed to a

935
00:40:50,600 --> 00:40:52,400
Speaker 3: certain amount and then you went and booked this like

936
00:40:52,520 --> 00:40:56,480
Speaker 3: particular apartment because it accommodated all of us. Like, I

937
00:40:56,520 --> 00:40:58,239
Speaker 3: feel like she would be like, I can't come that,

938
00:40:58,320 --> 00:40:59,319
Speaker 3: I'm going to pay for my part.

939
00:40:59,440 --> 00:41:01,799
Speaker 2: Yeah, that's just how that would work. So I just

940
00:41:01,800 --> 00:41:02,440
Speaker 2: look at it and go.

941
00:41:03,040 --> 00:41:05,319
Speaker 3: I'd be pretty miffed too if someone backed out and

942
00:41:05,440 --> 00:41:08,600
Speaker 3: I was up for more money for something that could

943
00:41:08,640 --> 00:41:10,120
Speaker 3: have been different from the beginning.

944
00:41:10,200 --> 00:41:12,280
Speaker 4: Yeah, totally. What did everybody else say?

945
00:41:12,360 --> 00:41:14,799
Speaker 3: So we went to the community as always, because we

946
00:41:14,840 --> 00:41:16,879
Speaker 3: want to know what you think about this, Like we've

947
00:41:16,880 --> 00:41:18,920
Speaker 3: got to get the tea. So we said, have you

948
00:41:19,040 --> 00:41:22,560
Speaker 3: traveled with a friend before and run into disagreements about money?

949
00:41:22,800 --> 00:41:25,040
Speaker 3: Forty three percent of you said yep, I swear it

950
00:41:25,080 --> 00:41:29,080
Speaker 3: happens every time, And fifty seven percent of you said nope,

951
00:41:29,120 --> 00:41:30,120
Speaker 3: I've had no issues.

952
00:41:30,400 --> 00:41:31,279
Speaker 2: So it's beIN us, sat.

953
00:41:31,320 --> 00:41:34,000
Speaker 3: Fifty seven percent of people, could you, ah, just give

954
00:41:34,080 --> 00:41:36,880
Speaker 3: us your tips and tricks for not having that happen,

955
00:41:36,960 --> 00:41:40,919
Speaker 3: because I've traveled with friends before and there's always conversations

956
00:41:40,960 --> 00:41:41,520
Speaker 3: about money.

957
00:41:41,600 --> 00:41:44,120
Speaker 2: Yeah, there's always like a oh, we want to go

958
00:41:44,160 --> 00:41:46,839
Speaker 2: and do XYZ and someone's like, no, the tickets are

959
00:41:46,840 --> 00:41:48,279
Speaker 2: too expensive. I don't want to do that.

960
00:41:48,400 --> 00:41:50,279
Speaker 3: I want to do this, and then you go, well,

961
00:41:50,320 --> 00:41:52,800
Speaker 3: I'm not willing to spend that on this, like it

962
00:41:52,880 --> 00:41:53,920
Speaker 3: happens every time.

963
00:41:54,360 --> 00:41:56,400
Speaker 2: We also asked, do you think.

964
00:41:56,280 --> 00:41:59,240
Speaker 3: The friend who is leaving should still contribute money towards

965
00:41:59,239 --> 00:42:03,400
Speaker 3: the accommodation In a surprise to not anybody sitting at

966
00:42:03,440 --> 00:42:05,960
Speaker 3: this table, eighty six percent of you said yep, it's

967
00:42:06,040 --> 00:42:09,160
Speaker 3: unfair to pull out so last minute. But fourteen percent

968
00:42:09,160 --> 00:42:11,879
Speaker 3: of you said nope, they aren't staying there at all,

969
00:42:12,000 --> 00:42:13,000
Speaker 3: so they shouldn't pay.

970
00:42:13,840 --> 00:42:15,560
Speaker 2: Well, fourteen percent.

971
00:42:15,239 --> 00:42:20,040
Speaker 4: Of you don't want to go on holiday with you.

972
00:42:20,040 --> 00:42:23,800
Speaker 3: You're not invited on friend's script trip like not happening.

973
00:42:23,880 --> 00:42:24,719
Speaker 2: No, no.

974
00:42:25,200 --> 00:42:28,000
Speaker 3: We then said give us your two cents because obviously

975
00:42:28,040 --> 00:42:29,520
Speaker 3: we're going to need that any more.

976
00:42:29,560 --> 00:42:31,040
Speaker 2: Thoughts. Who's in the wrong here?

977
00:42:31,480 --> 00:42:36,960
Speaker 3: And you guys had opinions, so let's read out a

978
00:42:36,960 --> 00:42:40,399
Speaker 3: few of them. Someone said, if you don't have four

979
00:42:40,480 --> 00:42:45,440
Speaker 3: hundred dollars extra for potential travel emergencies, probably shouldn't be traveling. Okay,

980
00:42:45,560 --> 00:42:51,080
Speaker 3: but savage but true from my perspective, unless you're beck Yolo.

981
00:42:51,520 --> 00:42:54,000
Speaker 3: Absolutely going back on that before I read out the

982
00:42:54,040 --> 00:42:56,120
Speaker 3: next one. But you wouldn't do that to a friend.

983
00:42:56,400 --> 00:42:57,040
Speaker 2: No, I wouldn't do that.

984
00:42:57,480 --> 00:42:59,600
Speaker 3: No, you might not have an additional four hundred dollars,

985
00:42:59,600 --> 00:43:01,000
Speaker 3: but you're not going to not pay for what you

986
00:43:01,040 --> 00:43:01,440
Speaker 3: agreed to.

987
00:43:01,600 --> 00:43:02,640
Speaker 2: Is that right exactly?

988
00:43:02,719 --> 00:43:04,040
Speaker 3: But also if someone had done it to me and

989
00:43:04,040 --> 00:43:07,319
Speaker 3: I didn't have an extra four hundred to pay their bit, yeah, yeah,

990
00:43:07,320 --> 00:43:09,960
Speaker 3: I would probably be screwed. But that doesn't I shouldn't

991
00:43:10,000 --> 00:43:12,600
Speaker 3: be penalized for and be like, oh you, well, you

992
00:43:12,600 --> 00:43:15,560
Speaker 3: shouldn't be traveling anyway if you get exactly, if you

993
00:43:15,560 --> 00:43:16,560
Speaker 3: don't have any wiggle room.

994
00:43:16,440 --> 00:43:16,840
Speaker 2: I agree.

995
00:43:16,840 --> 00:43:18,880
Speaker 3: I agree, it's up to you, but it shouldn't be

996
00:43:18,920 --> 00:43:22,720
Speaker 3: your responsibility totally. Someone said, there's so many accommodation options

997
00:43:22,719 --> 00:43:25,719
Speaker 3: in BALI op finds something mid price and lux for

998
00:43:25,760 --> 00:43:26,440
Speaker 3: the same amount.

999
00:43:26,840 --> 00:43:27,560
Speaker 2: It's a good point.

1000
00:43:27,560 --> 00:43:29,640
Speaker 3: You definitely could do that, but I don't think that's

1001
00:43:29,640 --> 00:43:32,520
Speaker 3: fair to have to do that. Someone said the friend

1002
00:43:32,560 --> 00:43:35,360
Speaker 3: needs to fork out for changing plants. That's the cost

1003
00:43:35,400 --> 00:43:39,359
Speaker 3: of them changing their plans. Someone said she should still

1004
00:43:39,360 --> 00:43:41,560
Speaker 3: offer to pay for the accommodation, given she's pulling out

1005
00:43:41,640 --> 00:43:45,319
Speaker 3: last minute. Someone else said, I would suggest looking for a.

1006
00:43:45,200 --> 00:43:48,400
Speaker 2: New place, and then if that's not feasible, saying I

1007
00:43:48,400 --> 00:43:50,439
Speaker 2: would cover it. I think that's fair.

1008
00:43:51,160 --> 00:43:53,160
Speaker 3: I go, Beck, is there any chance you could change

1009
00:43:53,160 --> 00:43:55,960
Speaker 3: accommodation to something cheaper so that, like, I don't have

1010
00:43:56,040 --> 00:43:58,319
Speaker 3: to spend this, right, that would be a nice way

1011
00:43:58,320 --> 00:44:00,080
Speaker 3: of putting it. And then if I go, look, I

1012
00:44:00,120 --> 00:44:02,359
Speaker 3: really couldn't find anything, it's still going to put me out,

1013
00:44:02,400 --> 00:44:05,120
Speaker 3: all right, no worries, I'll cover your part. That could

1014
00:44:05,120 --> 00:44:07,320
Speaker 3: be an easier way of going about it. Then everybody

1015
00:44:07,400 --> 00:44:08,280
Speaker 3: might end up happy.

1016
00:44:08,760 --> 00:44:10,440
Speaker 4: Yeah, but she said she looked and there wasn't really

1017
00:44:10,440 --> 00:44:12,239
Speaker 4: anything available. She said that it was going to cost

1018
00:44:12,280 --> 00:44:14,520
Speaker 4: at least three hundred dollars. Yeah, but that's clearly not

1019
00:44:14,560 --> 00:44:17,520
Speaker 4: how the conversation went. Yeah, could have been a way

1020
00:44:17,560 --> 00:44:20,919
Speaker 4: to approach it to begin with. Someone else said they're

1021
00:44:20,920 --> 00:44:23,200
Speaker 4: going to Bali. There's how many nice villas for like

1022
00:44:23,239 --> 00:44:25,359
Speaker 4: fifty dollars a night. If you could send me those

1023
00:44:25,440 --> 00:44:29,560
Speaker 4: villas that if a group trip you guys see, someone

1024
00:44:29,600 --> 00:44:31,799
Speaker 4: said it would suck. But would you want to pay

1025
00:44:31,840 --> 00:44:33,840
Speaker 4: for a hotel when you're not staying there? No way,

1026
00:44:34,200 --> 00:44:36,279
Speaker 4: I mean no, But it's not about paying for a

1027
00:44:36,280 --> 00:44:38,560
Speaker 4: hotel when you're not there, it's about paying for as

1028
00:44:38,600 --> 00:44:39,920
Speaker 4: you said, changing your plans.

1029
00:44:40,160 --> 00:44:42,640
Speaker 3: Yeah, Like, if you didn't want to be up for

1030
00:44:42,680 --> 00:44:46,360
Speaker 3: that cost, don't change your plan. Like, I don't know

1031
00:44:46,440 --> 00:44:48,600
Speaker 3: what your plan was, and as you said before, Jess,

1032
00:44:48,640 --> 00:44:50,799
Speaker 3: we don't know. It could be Yeah, it could be

1033
00:44:50,800 --> 00:44:53,320
Speaker 3: an emergency, and like you know, she has to spend

1034
00:44:53,560 --> 00:44:56,240
Speaker 3: money on flights home, But like, I don't think that's

1035
00:44:56,320 --> 00:44:58,399
Speaker 3: the case here. And we're just assuming it's because she's

1036
00:44:58,440 --> 00:45:01,200
Speaker 3: gotten a better offer, is what I'm going to assume. Yeah,

1037
00:45:01,239 --> 00:45:02,880
Speaker 3: she's gotten a better off us she wants to go

1038
00:45:02,920 --> 00:45:06,719
Speaker 3: somewhere else with a different friend. Now, Like, no, I

1039
00:45:06,760 --> 00:45:09,920
Speaker 3: don't necessarily agree. I think that while it does suck,

1040
00:45:10,640 --> 00:45:14,120
Speaker 3: you have to pay that fee for changing your plans,

1041
00:45:14,160 --> 00:45:16,960
Speaker 3: and if you can't afford that, well, don't change your plans. Yeah,

1042
00:45:17,120 --> 00:45:19,360
Speaker 3: someone else said the friend should be paying the difference

1043
00:45:19,360 --> 00:45:21,399
Speaker 3: of the one hundred dollars a night for the three

1044
00:45:21,480 --> 00:45:22,360
Speaker 3: hundred dollars hotel.

1045
00:45:22,560 --> 00:45:26,080
Speaker 4: Oh, that's potentially a good compromise. So instead of paying

1046
00:45:26,080 --> 00:45:27,959
Speaker 4: two hundred bucks, you pay one hundred your friend.

1047
00:45:28,160 --> 00:45:30,600
Speaker 2: Doubt everyone kind of wins a little bit.

1048
00:45:30,680 --> 00:45:33,480
Speaker 3: Yeah, Yeah, And then the last one I'll share is

1049
00:45:33,920 --> 00:45:35,799
Speaker 3: if you don't have a cash buffer, you shouldn't be

1050
00:45:35,800 --> 00:45:38,279
Speaker 3: going on holiday, which seemed to be a conversation that

1051
00:45:38,320 --> 00:45:39,480
Speaker 3: lots of people wanted to have.

1052
00:45:39,520 --> 00:45:42,920
Speaker 2: But Beck disagrees, So I disagree. You just got to

1053
00:45:42,960 --> 00:45:43,560
Speaker 2: go on wing it.

1054
00:45:43,800 --> 00:45:47,120
Speaker 3: But that's why money is so fickle, right, Like you

1055
00:45:47,160 --> 00:45:50,719
Speaker 3: shouldn't and it's all about financial literacy. And I say

1056
00:45:50,760 --> 00:45:54,600
Speaker 3: you shouldn't because from my perspective you shouldn't, but you

1057
00:45:54,640 --> 00:45:57,400
Speaker 3: go yolo. I know that that's your opinion, Victoria, and

1058
00:45:57,480 --> 00:45:59,520
Speaker 3: I do it anyway. And it's like, jes you've said

1059
00:45:59,520 --> 00:46:01,319
Speaker 3: before that how many cents did you have in your

1060
00:46:01,320 --> 00:46:02,200
Speaker 3: account when you came back?

1061
00:46:02,200 --> 00:46:06,120
Speaker 4: You could it's like thirty six cents or something. Couldn't

1062
00:46:06,120 --> 00:46:07,280
Speaker 4: get a chocolate bar at the air.

1063
00:46:07,200 --> 00:46:10,120
Speaker 2: For But like we've all been there, Yeah, does that

1064
00:46:10,160 --> 00:46:11,720
Speaker 2: mean we shouldn't have done it? Yeah?

1065
00:46:11,719 --> 00:46:15,240
Speaker 3: Well, I mean, in hindsight, we probably shouldn't be better prepared.

1066
00:46:15,520 --> 00:46:20,040
Speaker 2: But did you die? No? No, exactly, so a great time. Yes,

1067
00:46:20,080 --> 00:46:20,799
Speaker 2: don't get me wrong.

1068
00:46:20,880 --> 00:46:23,520
Speaker 3: My job is to give you the financial literacy that

1069
00:46:23,600 --> 00:46:24,560
Speaker 3: I think you deserve.

1070
00:46:24,880 --> 00:46:26,760
Speaker 2: What you do with it up to you, babes.

1071
00:46:26,880 --> 00:46:29,319
Speaker 3: Yeah, you want to go on holiday to Japan and

1072
00:46:29,360 --> 00:46:31,319
Speaker 3: not have any buffer and you're comfortable with that.

1073
00:46:31,719 --> 00:46:33,439
Speaker 2: I'm proud of you, Thank you so much.

1074
00:46:33,480 --> 00:46:35,839
Speaker 3: But you know yes, Like I know, I don't want

1075
00:46:35,840 --> 00:46:37,799
Speaker 3: to say you know better, but you know what, my

1076
00:46:37,880 --> 00:46:40,960
Speaker 3: opinion as a financial expert actually looks like yes, and

1077
00:46:41,000 --> 00:46:44,439
Speaker 3: you're given the opportunity to choose. I don't think it's

1078
00:46:44,440 --> 00:46:46,719
Speaker 3: fair when you don't have the opportunity to choose the

1079
00:46:46,719 --> 00:46:47,319
Speaker 3: best thing for you.

1080
00:46:47,800 --> 00:46:48,799
Speaker 2: I feel like this is.

1081
00:46:48,800 --> 00:46:51,600
Speaker 4: A very good lesson, ultimately in why you should have

1082
00:46:51,960 --> 00:46:55,120
Speaker 4: a buffer, ideally when you travel, because you never know

1083
00:46:55,320 --> 00:46:57,120
Speaker 4: when something like this is going to happen, or when

1084
00:46:57,520 --> 00:46:59,600
Speaker 4: you're gonna hurt yourself and you need to fly home

1085
00:46:59,880 --> 00:47:03,239
Speaker 4: like whatever. Like our listener is saying, she literally can't

1086
00:47:03,239 --> 00:47:05,640
Speaker 4: pay for this accommodation. Well, is the choice going to

1087
00:47:05,680 --> 00:47:10,120
Speaker 4: be between either you know, ending up in some real sketch,

1088
00:47:10,200 --> 00:47:13,640
Speaker 4: last minute twenty dollars, Not that being cheap means it's sketchy,

1089
00:47:13,680 --> 00:47:16,000
Speaker 4: but you know, just finding something she can afford that

1090
00:47:16,080 --> 00:47:20,080
Speaker 4: maybe even the safest option, or like convincing her friend

1091
00:47:20,160 --> 00:47:22,439
Speaker 4: to stay like that. I guess to me, it's it's

1092
00:47:22,480 --> 00:47:25,040
Speaker 4: such a good example of why that buffer is important

1093
00:47:25,080 --> 00:47:27,440
Speaker 4: so that you're not stuck with that choice of like, Oh,

1094
00:47:27,480 --> 00:47:29,920
Speaker 4: if my friend doesn't pay me, what do I do?

1095
00:47:30,160 --> 00:47:32,960
Speaker 3: Yeah, exactly, And that's not something travel insurance is going

1096
00:47:33,040 --> 00:47:35,440
Speaker 3: to cover. Yeah, Like, that's not how that works. And

1097
00:47:35,440 --> 00:47:37,160
Speaker 3: I guess that's where I want to leave it. If

1098
00:47:37,640 --> 00:47:41,280
Speaker 3: you can afford to travel, you can afford travel insurance.

1099
00:47:41,400 --> 00:47:43,040
Speaker 3: That's all I'll say about that. You don't want to

1100
00:47:43,040 --> 00:47:45,440
Speaker 3: have a buffer, I don't care. Just have travel insurance.

1101
00:47:45,560 --> 00:47:48,160
Speaker 3: That's my only non negotiable when it comes to travel.

1102
00:47:48,440 --> 00:47:50,719
Speaker 3: I just want you to have the financial education. What

1103
00:47:50,760 --> 00:47:53,000
Speaker 3: you do with it is actually none of my business.

1104
00:47:53,520 --> 00:47:54,560
Speaker 3: So let's leave it there.

1105
00:47:54,680 --> 00:47:54,960
Speaker 2: Guys.

1106
00:47:55,000 --> 00:47:56,879
Speaker 3: I hope you have the best weekend and we'll see

1107
00:47:56,960 --> 00:47:59,720
Speaker 3: brighton early on Monday for a money diary.

1108
00:48:00,200 --> 00:48:02,840
Speaker 2: I am back and I am so excited about it. Guys,

1109
00:48:03,280 --> 00:48:04,720
Speaker 2: see you soon, by guys.

1110
00:48:04,800 --> 00:48:09,680
Speaker 4: Bye.

1111
00:48:11,360 --> 00:48:13,880
Speaker 3: The advice shared on She's on the Money is general

1112
00:48:13,960 --> 00:48:17,800
Speaker 3: in nature and does not consider your individual circumstances. She's

1113
00:48:17,840 --> 00:48:21,320
Speaker 3: on the Money exists purely for educational purposes and should

1114
00:48:21,360 --> 00:48:24,520
Speaker 3: not be relied upon to make an investment or financial decision.

1115
00:48:24,920 --> 00:48:27,359
Speaker 3: If you do choose to buy a financial product, read

1116
00:48:27,360 --> 00:48:30,720
Speaker 3: the PDS TMD and obtain appropriate financial.

1117
00:48:30,280 --> 00:48:32,080
Speaker 2: Advice tailored towards your needs.

1118
00:48:32,440 --> 00:48:36,400
Speaker 3: Victoria divine and She's on the money are authorized representatives

1119
00:48:36,400 --> 00:48:40,279
Speaker 3: of money. Sheper pty Ltd ABN three two one is

1120
00:48:40,320 --> 00:48:44,160
Speaker 3: six four nine two seven seven zero eight AFSL four

1121
00:48:44,320 --> 00:48:47,920
Speaker 3: five one two eight nine