1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yorr

2
00:00:04,960 --> 00:00:08,639
Speaker 1: the Order KERNI Whoaltbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:33,120
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:34,200
Speaker 2: Let's get into it.

11
00:00:34,360 --> 00:00:53,640
Speaker 3: She's on the Money, She's on the Money.

12
00:00:57,240 --> 00:01:01,000
Speaker 4: Hello, and welcome to She's on the Money, CASO Millennials

13
00:01:01,000 --> 00:01:04,040
Speaker 4: who want financial freedom. Welcome back to another one of

14
00:01:04,040 --> 00:01:06,720
Speaker 4: our money dis my favorite episode of the week where

15
00:01:06,760 --> 00:01:09,440
Speaker 4: I get the absolute pleasure of talking to one of

16
00:01:09,440 --> 00:01:13,480
Speaker 4: our community members all about their money story. So before

17
00:01:13,520 --> 00:01:15,240
Speaker 4: we jump into it, I did want to give you

18
00:01:15,280 --> 00:01:17,600
Speaker 4: guys a little bit of a content warning. We do

19
00:01:17,840 --> 00:01:20,920
Speaker 4: touch on the topic of financial abuse. We don't get

20
00:01:20,959 --> 00:01:23,760
Speaker 4: too deep into it, but we do talk about the topic,

21
00:01:24,080 --> 00:01:26,720
Speaker 4: what occurred and how it occurred. So if this is

22
00:01:26,800 --> 00:01:29,760
Speaker 4: something that is not right for you. Please go have

23
00:01:29,840 --> 00:01:33,000
Speaker 4: a look at our entire library of literally hundreds of

24
00:01:33,040 --> 00:01:35,760
Speaker 4: She's on the Money episodes, and we will meet you

25
00:01:35,840 --> 00:01:38,600
Speaker 4: next episode. For those of you who are sticking around,

26
00:01:38,800 --> 00:01:41,760
Speaker 4: let's jump straight into it. This week, I got a

27
00:01:41,800 --> 00:01:45,039
Speaker 4: message and it sounded exactly like this. Hi, She's on

28
00:01:45,080 --> 00:01:47,760
Speaker 4: the Money. Well, my money story is very normal. My

29
00:01:47,880 --> 00:01:50,800
Speaker 4: partners was not. When I met my partner, he didn't

30
00:01:50,840 --> 00:01:53,320
Speaker 4: have a dollar to his name and hadn't failed his

31
00:01:53,400 --> 00:01:56,840
Speaker 4: tax return in six years. This all came to life

32
00:01:56,920 --> 00:01:59,000
Speaker 4: when we were preparing everything to try and get a

33
00:01:59,040 --> 00:02:01,920
Speaker 4: home loan. I've helped him change his ways, but he

34
00:02:02,000 --> 00:02:05,480
Speaker 4: came from a difficult household and childhood. Some of the

35
00:02:05,480 --> 00:02:08,720
Speaker 4: things we had to work through was his ADHD, poor

36
00:02:08,800 --> 00:02:13,160
Speaker 4: savings and planning habits, his blindness to any paperwork, and

37
00:02:13,280 --> 00:02:16,120
Speaker 4: a discovery of an act of financial abuse against him,

38
00:02:16,440 --> 00:02:20,720
Speaker 4: which has changed his relationship with his parents. Forever Money Diarist,

39
00:02:21,280 --> 00:02:25,160
Speaker 4: this is such a special different view. I'm so excited

40
00:02:25,160 --> 00:02:26,000
Speaker 4: to get into.

41
00:02:25,800 --> 00:02:27,520
Speaker 2: It me too. Thanks for having me on.

42
00:02:27,600 --> 00:02:29,760
Speaker 4: I feel like this will be really powerful and something

43
00:02:29,800 --> 00:02:32,120
Speaker 4: that lots of us in the community can resonate with,

44
00:02:32,400 --> 00:02:35,240
Speaker 4: especially like as you learn more about money, or you've

45
00:02:35,240 --> 00:02:37,280
Speaker 4: been listening to heaps of Sheese on the Money episodes,

46
00:02:37,320 --> 00:02:39,600
Speaker 4: You'll just be going, Oh, I'm not that bad at money,

47
00:02:39,639 --> 00:02:42,079
Speaker 4: and then realize that there are people in your circle

48
00:02:42,440 --> 00:02:45,440
Speaker 4: that need the support from what you're learning in the community.

49
00:02:45,520 --> 00:02:46,799
Speaker 4: I just think this is going to be a really

50
00:02:46,840 --> 00:02:47,160
Speaker 4: good one.

51
00:02:47,240 --> 00:02:48,080
Speaker 2: Yeah, one hundred percent.

52
00:02:48,120 --> 00:02:50,240
Speaker 4: All right, let's start off the way I always start

53
00:02:50,280 --> 00:02:52,200
Speaker 4: an episode money, Darrest. If I asked you to give

54
00:02:52,240 --> 00:02:54,560
Speaker 4: yourself a money grade, what would you grade yourself from

55
00:02:54,600 --> 00:02:55,600
Speaker 4: A through to F.

56
00:02:55,680 --> 00:02:59,280
Speaker 2: I've been thinking about this one, and I'd have to say, collectively,

57
00:02:59,320 --> 00:03:01,680
Speaker 2: between us, we are a C. I think we have

58
00:03:01,720 --> 00:03:05,000
Speaker 2: really good habits and we track and we plan now.

59
00:03:05,080 --> 00:03:06,799
Speaker 2: But what I've been thinking about is we are kind

60
00:03:06,800 --> 00:03:09,080
Speaker 2: of in our debt era. We're at that stage in

61
00:03:09,120 --> 00:03:11,840
Speaker 2: our lives where I still have quite a big X.

62
00:03:11,880 --> 00:03:15,160
Speaker 2: We've taken on a mortgage, you know, and we're still

63
00:03:15,200 --> 00:03:18,440
Speaker 2: in a building phase, a glow up phase, if you will. So, yeah,

64
00:03:18,560 --> 00:03:19,320
Speaker 2: I have to go with C.

65
00:03:19,639 --> 00:03:22,560
Speaker 4: Okay, But I love the way you phrased this because

66
00:03:22,600 --> 00:03:24,960
Speaker 4: you didn't go, oh, we're in so much debt. You know,

67
00:03:25,000 --> 00:03:26,760
Speaker 4: we're a C. We're not very good at it. You

68
00:03:26,800 --> 00:03:30,040
Speaker 4: said because we're in our debt era. And here's why. Like,

69
00:03:30,360 --> 00:03:33,560
Speaker 4: it's as though you're automatically aware that this is just

70
00:03:33,600 --> 00:03:36,200
Speaker 4: a phase or a chapter of life and you'll come

71
00:03:36,200 --> 00:03:39,200
Speaker 4: out the other side. How did you come to have

72
00:03:39,440 --> 00:03:42,680
Speaker 4: that mentality? Because that's a literal. I would love to

73
00:03:42,720 --> 00:03:45,200
Speaker 4: copy and paste that into every brain of every She's

74
00:03:45,240 --> 00:03:46,200
Speaker 4: on the money person ever.

75
00:03:46,800 --> 00:03:48,640
Speaker 2: Oh, thank you, I must have met the time I've

76
00:03:48,640 --> 00:03:52,480
Speaker 2: spent with my partner. You know, I'm a firstborn daughter,

77
00:03:52,520 --> 00:03:54,880
Speaker 2: I'm very headstrong. I've always wanted what I've wanted when

78
00:03:54,920 --> 00:03:57,120
Speaker 2: I wanted it and just went for it. And when

79
00:03:57,160 --> 00:03:59,840
Speaker 2: you partner up with someone, you have to change those ideals,

80
00:04:00,000 --> 00:04:01,440
Speaker 2: the way you see the world and the way you

81
00:04:01,480 --> 00:04:04,480
Speaker 2: engage with people. And yeah, instead of seeing it as

82
00:04:04,600 --> 00:04:06,240
Speaker 2: a detriment to us, I can see it as just

83
00:04:06,280 --> 00:04:08,720
Speaker 2: a phase of our life because we're planning to get

84
00:04:08,720 --> 00:04:09,360
Speaker 2: out of it. Yeah.

85
00:04:09,440 --> 00:04:12,160
Speaker 4: Oh, I love this so much. All right, let's jump

86
00:04:12,200 --> 00:04:14,600
Speaker 4: straight into the next question, which I think is going

87
00:04:14,640 --> 00:04:17,800
Speaker 4: to be really juicy this time, money Dores, Can you

88
00:04:17,839 --> 00:04:19,760
Speaker 4: tell me a little bit more about your money story?

89
00:04:19,880 --> 00:04:20,880
Speaker 4: I guess collectively.

90
00:04:21,200 --> 00:04:23,520
Speaker 2: Yeah, So I'll start with my own. So I grew

91
00:04:23,640 --> 00:04:26,000
Speaker 2: up in a working class family. It was just myself,

92
00:04:26,040 --> 00:04:28,880
Speaker 2: my brother, and my parents. My dad was a firefighter

93
00:04:29,000 --> 00:04:31,400
Speaker 2: and my mom just worked odd jobs. She, you know,

94
00:04:31,520 --> 00:04:34,000
Speaker 2: just just wanted to be a family woman. And we

95
00:04:34,000 --> 00:04:36,159
Speaker 2: weren't well off by any means. You know, my mom

96
00:04:36,360 --> 00:04:38,880
Speaker 2: likes to say that our family treat was once a

97
00:04:38,880 --> 00:04:41,200
Speaker 2: month getting cheese pizzas from the local shop.

98
00:04:41,360 --> 00:04:44,200
Speaker 4: So, but that's really cute, and a cheese pizza is,

99
00:04:44,400 --> 00:04:48,479
Speaker 4: don't get me wrong, incredible. What person doesn't love a

100
00:04:48,520 --> 00:04:49,360
Speaker 4: good cheese pizza.

101
00:04:49,440 --> 00:04:51,240
Speaker 2: Still, to this day, I think of those memories and

102
00:04:51,240 --> 00:04:54,560
Speaker 2: a cheese pizza always brings me joy exactly.

103
00:04:54,720 --> 00:04:56,800
Speaker 4: It's all about their memory is not about how much

104
00:04:56,839 --> 00:04:57,320
Speaker 4: it costs.

105
00:04:57,600 --> 00:05:00,400
Speaker 2: That's it. And I learned work ethic from the those guys.

106
00:05:00,440 --> 00:05:03,440
Speaker 2: They're now comfortable in their retirement. Not you know, crazy,

107
00:05:03,480 --> 00:05:05,560
Speaker 2: well off by any means, but they showed me the

108
00:05:05,640 --> 00:05:08,279
Speaker 2: value of sacrifice. And I've always been able to work.

109
00:05:08,360 --> 00:05:10,760
Speaker 2: I've when I was in high school fourteen nine months,

110
00:05:10,839 --> 00:05:12,960
Speaker 2: I had two jobs, so I'd work one job in

111
00:05:12,960 --> 00:05:15,880
Speaker 2: the morning before school. I was a mail sorterer.

112
00:05:15,960 --> 00:05:17,200
Speaker 4: Oh my god, iconic.

113
00:05:17,440 --> 00:05:20,200
Speaker 2: Yeah, I didn't realize at the time. Looking back, I'm like, man,

114
00:05:20,720 --> 00:05:22,880
Speaker 2: how did I do that you know about sleep. Yeah,

115
00:05:22,880 --> 00:05:24,600
Speaker 2: we'd sort mail in the morning in my school uniform,

116
00:05:24,640 --> 00:05:26,400
Speaker 2: go to school, and then go to a bakery after

117
00:05:26,440 --> 00:05:28,160
Speaker 2: school and do the closing shift.

118
00:05:28,640 --> 00:05:31,360
Speaker 4: Yeah, thinking back on who I was as a teenager,

119
00:05:31,520 --> 00:05:33,920
Speaker 4: there is no chance you would have gotten me out

120
00:05:33,920 --> 00:05:38,120
Speaker 4: of bed to do mail sorting before well, like absolutely not,

121
00:05:38,560 --> 00:05:41,160
Speaker 4: like I had an after school job. And even at

122
00:05:41,160 --> 00:05:42,960
Speaker 4: that point, I was like, this is a drag, Like,

123
00:05:43,279 --> 00:05:45,240
Speaker 4: don't get me wrong, that's iconic.

124
00:05:45,839 --> 00:05:48,040
Speaker 2: Yeah, I didn't even think twice about it a time.

125
00:05:48,080 --> 00:05:50,360
Speaker 2: All I think was my weekends are free because I'll

126
00:05:50,360 --> 00:05:51,839
Speaker 2: do all the weekday shifts, so I'll get all my

127
00:05:51,839 --> 00:05:53,880
Speaker 2: work done during the weekday. I was a kid with

128
00:05:54,120 --> 00:05:56,560
Speaker 2: money and my weekends free, so that's what drove me.

129
00:05:56,600 --> 00:05:59,560
Speaker 4: And okay, but that's genius. How did you learn how

130
00:05:59,560 --> 00:06:02,960
Speaker 4: to hack the systems so young? Because I spent all

131
00:06:03,080 --> 00:06:06,560
Speaker 4: weekend working like I didn't get free time, and I

132
00:06:06,600 --> 00:06:08,960
Speaker 4: don't think And I was saying this to a girlfriend

133
00:06:08,960 --> 00:06:10,440
Speaker 4: the other day we went out for a coffee and

134
00:06:10,440 --> 00:06:12,520
Speaker 4: a walk, and I was saying, do you know what, Like,

135
00:06:12,560 --> 00:06:14,680
Speaker 4: it's not until I got past the age of I

136
00:06:14,720 --> 00:06:17,640
Speaker 4: think twenty six that I started to get my weekends

137
00:06:17,680 --> 00:06:21,240
Speaker 4: back because I was doing hospitality and retail and all

138
00:06:21,279 --> 00:06:24,240
Speaker 4: these jobs that just didn't allow you to have a weekend,

139
00:06:24,560 --> 00:06:27,720
Speaker 4: which is fine, but I remember being so lost when

140
00:06:27,760 --> 00:06:29,720
Speaker 4: I finally got one. So you never had to go

141
00:06:29,800 --> 00:06:30,839
Speaker 4: through that era. No.

142
00:06:31,080 --> 00:06:34,520
Speaker 2: I did eventually move into retail to support myself through UNI.

143
00:06:34,680 --> 00:06:37,160
Speaker 2: So I realized looking back hour good. I had it

144
00:06:37,279 --> 00:06:40,240
Speaker 2: during school, but it was something that helped a lot

145
00:06:40,279 --> 00:06:42,320
Speaker 2: for me, being able to sustay myself, set myself up

146
00:06:42,320 --> 00:06:44,520
Speaker 2: while I was in HC as well and still being

147
00:06:44,520 --> 00:06:47,919
Speaker 2: a kid. I had goals. I saved, I self supported

148
00:06:48,040 --> 00:06:50,560
Speaker 2: travel around the world while I studied, Like I you know,

149
00:06:51,040 --> 00:06:51,760
Speaker 2: I really think I did.

150
00:06:51,800 --> 00:06:55,599
Speaker 4: Alright, you sound like you're iconic. I need to know

151
00:06:55,800 --> 00:06:58,240
Speaker 4: going back, Sorry, we need to talk about you at

152
00:06:58,279 --> 00:07:01,520
Speaker 4: fourteen years and nine months. Where did that ethic come

153
00:07:01,520 --> 00:07:03,880
Speaker 4: from then? Was that your parents saying, all right, money

154
00:07:03,920 --> 00:07:05,640
Speaker 4: direst is now time to go out and get a job.

155
00:07:05,760 --> 00:07:08,440
Speaker 4: Or was this you going, hey, I see the value

156
00:07:08,440 --> 00:07:10,960
Speaker 4: in this. This is something I want, Like, how do

157
00:07:11,040 --> 00:07:14,560
Speaker 4: we motivate other fourteen year olds to do something similar?

158
00:07:14,600 --> 00:07:17,440
Speaker 4: Because I have a couple of people in our community

159
00:07:17,440 --> 00:07:19,080
Speaker 4: who are like my fourteen year old does not want

160
00:07:19,080 --> 00:07:21,360
Speaker 4: a job, and I really want them to learn some independence.

161
00:07:21,560 --> 00:07:23,880
Speaker 4: And it's like, well, I mean everybody's different, but like,

162
00:07:23,920 --> 00:07:25,679
Speaker 4: where did your motivation come from?

163
00:07:25,880 --> 00:07:28,000
Speaker 2: Yeah, it was my parents. I wanted the things I was,

164
00:07:28,200 --> 00:07:29,840
Speaker 2: you know, I am a big book worm, and to

165
00:07:29,880 --> 00:07:32,480
Speaker 2: support that. My parents couldn't you know, they you know,

166
00:07:32,520 --> 00:07:34,800
Speaker 2: but wanted to support me. But I also learned once

167
00:07:34,840 --> 00:07:37,080
Speaker 2: you make a commitment, you're there. So you know, once

168
00:07:37,120 --> 00:07:38,800
Speaker 2: you sign up and you get the job, like I

169
00:07:38,880 --> 00:07:41,760
Speaker 2: was committed to seeing it through, going all my shifts,

170
00:07:41,800 --> 00:07:44,440
Speaker 2: like supporting my boss, and I must have been when

171
00:07:44,480 --> 00:07:46,360
Speaker 2: it comes to things like that, I don't think twice.

172
00:07:46,400 --> 00:07:48,480
Speaker 2: And I put it down to my parents watching my

173
00:07:48,600 --> 00:07:51,480
Speaker 2: dad go you know, four weeks of fostering on and

174
00:07:51,520 --> 00:07:54,200
Speaker 2: off night shifts at a time, like just to help

175
00:07:54,280 --> 00:07:57,000
Speaker 2: us sight. It's just imbued in me, I suppose.

176
00:07:57,520 --> 00:08:00,680
Speaker 4: Yeah, wow, all right, well I love this. Tell me more.

177
00:08:00,800 --> 00:08:02,200
Speaker 4: After UNI, what happened?

178
00:08:02,440 --> 00:08:05,760
Speaker 2: Yeah, so I took a job that was out in

179
00:08:05,880 --> 00:08:08,160
Speaker 2: the country, New South Wales, so that was about five

180
00:08:08,200 --> 00:08:10,200
Speaker 2: hours inland away from my family.

181
00:08:10,280 --> 00:08:10,960
Speaker 4: Oh my gosh.

182
00:08:11,040 --> 00:08:13,640
Speaker 2: Yeah, this was twenty twenty. So I accepted and started

183
00:08:13,680 --> 00:08:16,120
Speaker 2: the role January twenty twenty and then I think we

184
00:08:16,160 --> 00:08:19,680
Speaker 2: all know what happened after that, and I got cut

185
00:08:19,720 --> 00:08:21,920
Speaker 2: off from my family for a little while at least.

186
00:08:22,080 --> 00:08:24,240
Speaker 2: But I realized if I was going to survive in

187
00:08:24,240 --> 00:08:26,400
Speaker 2: this new space, in this new role, I was going

188
00:08:26,480 --> 00:08:29,480
Speaker 2: to have to meet people. And I met my now husband.

189
00:08:29,840 --> 00:08:32,400
Speaker 4: Oh, come on, tell us more like I love love.

190
00:08:32,640 --> 00:08:33,720
Speaker 4: How do your husband?

191
00:08:34,360 --> 00:08:37,480
Speaker 2: We met online? We're both quite introverted, so.

192
00:08:37,400 --> 00:08:39,240
Speaker 4: We Hey, there's nothing wrong with that.

193
00:08:39,720 --> 00:08:41,680
Speaker 2: It wasn't gonna be the traditional way for us.

194
00:08:42,240 --> 00:08:44,280
Speaker 4: Oh, I met my husband on Tinder, and I am

195
00:08:44,280 --> 00:08:46,520
Speaker 4: proud of that. I wasn't at the time, though, Like

196
00:08:46,600 --> 00:08:48,800
Speaker 4: I remember when I first said to my parents, oh,

197
00:08:48,840 --> 00:08:50,800
Speaker 4: I've got a partner, Like, I'd love you to meet them,

198
00:08:51,040 --> 00:08:52,760
Speaker 4: They're like, how did you meet? And I was like, oh,

199
00:08:52,800 --> 00:08:55,480
Speaker 4: I don't really want to share this, But now I'm like, oh, Tinder.

200
00:08:55,520 --> 00:08:57,800
Speaker 2: It was elite one hundred percent. I think we first

201
00:08:57,800 --> 00:09:00,000
Speaker 2: mentioned Tinder in our wedding speeches, but other than that,

202
00:09:00,240 --> 00:09:01,520
Speaker 2: everyone had been to be in the dark.

203
00:09:01,640 --> 00:09:06,480
Speaker 4: Oh my gosh. Same. Like our wedding celebrant actually out

204
00:09:06,520 --> 00:09:09,200
Speaker 4: at us because we told her and like so many people,

205
00:09:09,280 --> 00:09:11,160
Speaker 4: you know, how, like you get past that period of

206
00:09:11,200 --> 00:09:13,800
Speaker 4: time where people stop asking, and you're like great, Like

207
00:09:13,880 --> 00:09:17,280
Speaker 4: we passed this period. She mentioned it, and I remember thinking,

208
00:09:17,400 --> 00:09:19,920
Speaker 4: literally I'm the bride standing at the front and going like,

209
00:09:20,240 --> 00:09:22,120
Speaker 4: what are you doing, Megan, what are you doing?

210
00:09:22,480 --> 00:09:22,960
Speaker 2: Oh God?

211
00:09:24,200 --> 00:09:27,760
Speaker 4: I didn't mind, but it was actually so funny. All right,

212
00:09:27,880 --> 00:09:29,880
Speaker 4: So tell me a bit about your partner.

213
00:09:30,160 --> 00:09:33,040
Speaker 2: Yeah, so he comes from a larger family than I do.

214
00:09:33,200 --> 00:09:36,360
Speaker 2: He's got five siblings. He grew up in the country

215
00:09:36,360 --> 00:09:38,760
Speaker 2: where we met. He has a very different money story

216
00:09:38,800 --> 00:09:42,000
Speaker 2: to myself. They didn't have as much money and the

217
00:09:42,120 --> 00:09:45,520
Speaker 2: parental guidance around money and parental guidance in in general,

218
00:09:45,559 --> 00:09:48,200
Speaker 2: it was a very strained relationship with my partner and

219
00:09:48,679 --> 00:09:52,400
Speaker 2: his father who left, and mom and stepdad and they

220
00:09:52,480 --> 00:09:54,760
Speaker 2: just yeah, it wasn't any guidance in the space of finances,

221
00:09:54,800 --> 00:09:57,920
Speaker 2: and when there was money, it wasn't prioritize and spent

222
00:09:58,000 --> 00:10:02,000
Speaker 2: on himself and his siblings. It was held. And I

223
00:10:02,040 --> 00:10:04,640
Speaker 2: think that in my eyes, that's what led to some

224
00:10:04,720 --> 00:10:07,400
Speaker 2: of the habits that I found him with. And you

225
00:10:07,400 --> 00:10:11,559
Speaker 2: know that's in combination with somemodi HD tendencies that Yeah,

226
00:10:11,600 --> 00:10:15,560
Speaker 2: he's he grew up and he got his apprenticeship out

227
00:10:15,559 --> 00:10:18,760
Speaker 2: of school and went straight into the workforce. So he

228
00:10:18,800 --> 00:10:21,280
Speaker 2: works in the minds now, and you know, he's been

229
00:10:21,320 --> 00:10:24,440
Speaker 2: in that for ten years making really good money, and

230
00:10:24,480 --> 00:10:26,240
Speaker 2: when I met him, he didn't have a dollar to

231
00:10:26,360 --> 00:10:29,920
Speaker 2: his name. So yeah, it's taken a while for us

232
00:10:30,120 --> 00:10:32,079
Speaker 2: to be able to understand each other where we come

233
00:10:32,080 --> 00:10:34,240
Speaker 2: from and how to work together. But it's coming to

234
00:10:34,320 --> 00:10:37,240
Speaker 2: terms with those realities of his backstory that's been able

235
00:10:37,280 --> 00:10:38,400
Speaker 2: to lead us here. Yeah.

236
00:10:38,400 --> 00:10:41,240
Speaker 4: That's honestly so cool that you're working through that, but

237
00:10:41,360 --> 00:10:44,280
Speaker 4: also so common. I feel like I have spoken to

238
00:10:44,400 --> 00:10:47,200
Speaker 4: numerous people in and outside of our community who have

239
00:10:47,240 --> 00:10:50,200
Speaker 4: worked in the minds. They're earning epic amounts of money,

240
00:10:50,640 --> 00:10:52,800
Speaker 4: but it's like they do five FO and then they

241
00:10:52,800 --> 00:10:55,400
Speaker 4: come home and they live their best lives and absolutely

242
00:10:55,440 --> 00:10:58,040
Speaker 4: blow through the cash because they're like, well, I am

243
00:10:58,080 --> 00:11:00,280
Speaker 4: five FO, I have more than enough money and live

244
00:11:00,360 --> 00:11:02,600
Speaker 4: my best life. They come back for a week or so,

245
00:11:02,840 --> 00:11:06,120
Speaker 4: blow through cash, go back, earn more, and like, it's

246
00:11:06,240 --> 00:11:08,880
Speaker 4: just a cycle that keeps going on. So tell me

247
00:11:09,000 --> 00:11:12,120
Speaker 4: a bit more about that and how it came up

248
00:11:12,160 --> 00:11:14,840
Speaker 4: in your relationship, because money could be a fickle topic

249
00:11:14,880 --> 00:11:16,880
Speaker 4: and it can be something that makes or breaks a

250
00:11:16,920 --> 00:11:19,360
Speaker 4: relationship and obviously you guys have tackled it head on,

251
00:11:20,280 --> 00:11:22,960
Speaker 4: what did that look like? Because it could be confronting,

252
00:11:23,320 --> 00:11:25,319
Speaker 4: like if you turned around to your partner and said, hey,

253
00:11:25,600 --> 00:11:27,959
Speaker 4: you need to get better at money, he might have

254
00:11:28,040 --> 00:11:30,480
Speaker 4: been like money, darist off your trot.

255
00:11:31,640 --> 00:11:34,080
Speaker 2: It was. It was very daunting at the start. So

256
00:11:34,280 --> 00:11:36,800
Speaker 2: while I'm very good with money, moso not very open

257
00:11:36,840 --> 00:11:39,480
Speaker 2: about it. It's not something that you do openly talk about.

258
00:11:39,480 --> 00:11:41,800
Speaker 2: But I think it came down to the first year

259
00:11:41,880 --> 00:11:44,520
Speaker 2: or so we were together. And it will be noted

260
00:11:44,559 --> 00:11:46,440
Speaker 2: that we did move very quickly in our relationships. We

261
00:11:46,480 --> 00:11:47,160
Speaker 2: met in twenty one.

262
00:11:47,200 --> 00:11:48,720
Speaker 4: Oh girl, I get it when you know you know,

263
00:11:48,920 --> 00:11:49,199
Speaker 4: you know.

264
00:11:49,160 --> 00:11:51,839
Speaker 2: You know. In twenty one we met and then early

265
00:11:51,880 --> 00:11:54,560
Speaker 2: twenty two week we had a house together. So it actually, yeah,

266
00:11:54,559 --> 00:11:56,520
Speaker 2: it was a very quick turn around. So the conversation

267
00:11:56,640 --> 00:11:59,160
Speaker 2: had to come up quickly, and it came up tax time.

268
00:12:00,000 --> 00:12:01,480
Speaker 2: I was about to put my tax in and I

269
00:12:01,520 --> 00:12:04,000
Speaker 2: asked him if he wanted some help with, you know,

270
00:12:04,160 --> 00:12:07,679
Speaker 2: doing his And that's when that kind of first discovery

271
00:12:07,760 --> 00:12:11,199
Speaker 2: was made that he hadn't done them in six years.

272
00:12:11,240 --> 00:12:14,360
Speaker 2: And at first I was shocked, and I suppose, like

273
00:12:14,400 --> 00:12:17,200
Speaker 2: any rational person who's just met a new person. Bread flag,

274
00:12:17,280 --> 00:12:18,280
Speaker 2: red Flag Central.

275
00:12:18,559 --> 00:12:20,800
Speaker 4: You're like, what is going on here? Run?

276
00:12:21,280 --> 00:12:24,559
Speaker 2: Yeah? You know. Another admission is that before my current husband,

277
00:12:24,640 --> 00:12:27,320
Speaker 2: I hadn't really had any partners, any long term partners.

278
00:12:27,320 --> 00:12:29,640
Speaker 2: So I was like, is this normal? Like should I

279
00:12:29,640 --> 00:12:32,079
Speaker 2: be running away very very quickly? Like is it worth

280
00:12:32,160 --> 00:12:34,640
Speaker 2: trying to work through this? And once we did work

281
00:12:34,679 --> 00:12:36,719
Speaker 2: through the tax stuff, which did leave him with quite

282
00:12:36,760 --> 00:12:39,360
Speaker 2: a hefty bill afterwards. So one thing, when you're making

283
00:12:39,400 --> 00:12:43,360
Speaker 2: good money and you don't have private health insurance, you

284
00:12:43,440 --> 00:12:45,880
Speaker 2: get taxed quite a bit. And that's what we had

285
00:12:45,880 --> 00:12:48,320
Speaker 2: discovered after you know, so long making money not doing

286
00:12:48,320 --> 00:12:49,440
Speaker 2: his taxes, he had a bill.

287
00:12:49,559 --> 00:12:53,920
Speaker 4: Yeah, the Medicare levy surcharge does sting and it would

288
00:12:53,960 --> 00:12:56,400
Speaker 4: compound over six years. So you might go, oh, it's

289
00:12:56,400 --> 00:12:58,040
Speaker 4: one percent of what I earn, or I think it's

290
00:12:58,040 --> 00:13:00,640
Speaker 4: two percent now of what I earned. It's not much,

291
00:13:00,720 --> 00:13:03,160
Speaker 4: but over six years, that's two percent every year. So

292
00:13:03,240 --> 00:13:06,079
Speaker 4: that would have been a pretty hefty bill for him

293
00:13:06,120 --> 00:13:09,080
Speaker 4: to pay. That would have been a surprise, and he

294
00:13:09,160 --> 00:13:12,360
Speaker 4: probably was really frustrated once you started breaking it down

295
00:13:12,400 --> 00:13:15,240
Speaker 4: with him that had he just got private health insurance,

296
00:13:15,280 --> 00:13:16,040
Speaker 4: it wouldn't.

297
00:13:15,720 --> 00:13:17,800
Speaker 2: Have been an issue one hundred percent, Like it.

298
00:13:17,720 --> 00:13:20,080
Speaker 4: Wouldn't have come up. And I'm yeah, it's one of

299
00:13:20,120 --> 00:13:23,520
Speaker 4: those things where is it a red flag? Well that depends,

300
00:13:24,000 --> 00:13:26,480
Speaker 4: and in your situation, I don't think it was at all.

301
00:13:26,920 --> 00:13:29,560
Speaker 4: It just was, Hey, my partner actually has his head

302
00:13:29,600 --> 00:13:32,880
Speaker 4: in the sand about finance and money, and you know

303
00:13:32,960 --> 00:13:34,880
Speaker 4: that might give him a mad amount of anxiety and

304
00:13:34,920 --> 00:13:37,360
Speaker 4: we can work through this, or it could literally be

305
00:13:37,400 --> 00:13:39,760
Speaker 4: someone evading tax. But at the time you don't know.

306
00:13:40,640 --> 00:13:42,839
Speaker 2: Yeah, one hundred percent and that's that's what I read.

307
00:13:43,120 --> 00:13:45,960
Speaker 2: Which one is it balancing the scales there? But no,

308
00:13:46,080 --> 00:13:47,439
Speaker 2: he was so embarrassed.

309
00:13:47,640 --> 00:13:49,840
Speaker 4: Oh, but you don't need to be embarrassed. Like this

310
00:13:49,920 --> 00:13:52,160
Speaker 4: actually happens all the time. We had a money dearrest,

311
00:13:52,200 --> 00:13:55,640
Speaker 4: what was it like maybe twenty twenty one who hadn't

312
00:13:55,679 --> 00:14:00,640
Speaker 4: done their tax return for fifteen years. Wow, Like I

313
00:14:00,679 --> 00:14:02,480
Speaker 4: got it sorted out, Like I got them hooked up

314
00:14:02,520 --> 00:14:05,280
Speaker 4: with an accountant and it all got worked out. But like,

315
00:14:05,360 --> 00:14:08,200
Speaker 4: if you're in that situation, it can be fixed. Like

316
00:14:08,240 --> 00:14:10,720
Speaker 4: the ato, they get it, and the best thing that

317
00:14:10,760 --> 00:14:13,760
Speaker 4: you can do is actually organize it before they come

318
00:14:13,800 --> 00:14:16,600
Speaker 4: to you, Like organize it, do it before they come

319
00:14:16,600 --> 00:14:18,840
Speaker 4: to you, because if you're the one putting your hand up,

320
00:14:18,880 --> 00:14:20,800
Speaker 4: they're like, oh, thanks so much, money at Ourist, We

321
00:14:20,840 --> 00:14:23,240
Speaker 4: would like to help you there, whereas if they're coming

322
00:14:23,280 --> 00:14:25,480
Speaker 4: to you being like money at Ourist, we have, you know,

323
00:14:25,640 --> 00:14:27,520
Speaker 4: got a record that you haven't done it here, here,

324
00:14:27,560 --> 00:14:29,560
Speaker 4: and here. That feels a lot more stressful.

325
00:14:29,760 --> 00:14:31,840
Speaker 2: Yes it does. And yeah, while it was, you know,

326
00:14:31,840 --> 00:14:33,560
Speaker 2: an awful thing. It allowed us to open up that

327
00:14:33,600 --> 00:14:35,880
Speaker 2: part of our relationship to talk about money and for

328
00:14:35,920 --> 00:14:37,840
Speaker 2: me to be like, do you need help? Can I

329
00:14:37,880 --> 00:14:39,760
Speaker 2: help you? And for him to be able to say

330
00:14:39,840 --> 00:14:42,240
Speaker 2: yes to that. So it was quite a defining moment

331
00:14:42,240 --> 00:14:44,040
Speaker 2: for us, which I look back fondly on now.

332
00:14:44,200 --> 00:14:46,320
Speaker 4: Yeah, oh my gosh, I love that for you guys,

333
00:14:46,320 --> 00:14:48,360
Speaker 4: And now what does your money story look like? Together?

334
00:14:49,000 --> 00:14:52,120
Speaker 2: So together we work as a team. So I, you know,

335
00:14:52,200 --> 00:14:54,600
Speaker 2: do a lot of the organization stuff, but I also

336
00:14:54,680 --> 00:14:57,320
Speaker 2: consult with him to make sure that our values are aligned,

337
00:14:57,320 --> 00:14:59,760
Speaker 2: to make sure that he's feeling heard when we're planning

338
00:14:59,800 --> 00:15:02,640
Speaker 2: for our future, to make sure that he understands where

339
00:15:02,640 --> 00:15:04,440
Speaker 2: our money's going. So it's not just me doing it

340
00:15:04,480 --> 00:15:06,440
Speaker 2: and him being completely in the dark. He you know,

341
00:15:06,440 --> 00:15:09,200
Speaker 2: knows all our accounts, all our goals, how we're moving

342
00:15:09,240 --> 00:15:11,920
Speaker 2: and tracking towards all those things. I will admit it's

343
00:15:11,920 --> 00:15:13,520
Speaker 2: been a bit of a build of two years. So

344
00:15:13,680 --> 00:15:15,960
Speaker 2: when we bought together, he still had a house, so

345
00:15:16,000 --> 00:15:18,520
Speaker 2: we had two mortgages for a while. During the epic

346
00:15:18,640 --> 00:15:20,360
Speaker 2: rate rise of twenty two to twenty three.

347
00:15:20,600 --> 00:15:23,360
Speaker 4: Oh no, thank you.

348
00:15:23,680 --> 00:15:25,680
Speaker 2: It was a big learning curve because while I, you know,

349
00:15:26,000 --> 00:15:28,040
Speaker 2: think I'm good with money, I've never had to deal

350
00:15:28,040 --> 00:15:30,480
Speaker 2: with that much and that much debt and that much

351
00:15:30,560 --> 00:15:31,720
Speaker 2: you know, movement before.

352
00:15:31,760 --> 00:15:34,520
Speaker 4: So it was and that becomes stressful, like that becomes

353
00:15:34,640 --> 00:15:37,840
Speaker 4: genuine pressure. It's not oh, we would love to save

354
00:15:37,920 --> 00:15:40,320
Speaker 4: and buy a house. It becomes next month, you have

355
00:15:40,640 --> 00:15:42,480
Speaker 4: a very large sum of money, do you how are

356
00:15:42,520 --> 00:15:43,000
Speaker 4: you paying it?

357
00:15:43,120 --> 00:15:46,360
Speaker 2: Yeap, one hundred percent. And then after we managed to

358
00:15:46,400 --> 00:15:51,400
Speaker 2: sell his house, we got engaged and so yeah, we've

359
00:15:51,400 --> 00:15:53,120
Speaker 2: been married four months as of yesterday.

360
00:15:53,160 --> 00:15:55,200
Speaker 4: Oh my gosh, congratulations, thank you.

361
00:15:56,400 --> 00:15:59,120
Speaker 2: Yeah. It was a beautiful time but also a very expensive,

362
00:15:59,160 --> 00:15:59,880
Speaker 2: stressful times.

363
00:16:00,000 --> 00:16:02,320
Speaker 4: So yeah, absolutely, but it's over now. It's over now,

364
00:16:02,360 --> 00:16:05,760
Speaker 4: you don't have to have another wedding. So many drus.

365
00:16:05,800 --> 00:16:07,800
Speaker 4: What are your big goals? What are you currently working

366
00:16:07,800 --> 00:16:08,440
Speaker 4: towards now.

367
00:16:08,760 --> 00:16:10,880
Speaker 2: So we didn't go into debt for the wedding, which

368
00:16:10,920 --> 00:16:13,280
Speaker 2: is great, but we did dip into our savings a bit,

369
00:16:13,360 --> 00:16:15,320
Speaker 2: so we are trying to put that back together. But

370
00:16:15,520 --> 00:16:19,320
Speaker 2: after that, the next big goal is land and building

371
00:16:19,360 --> 00:16:20,720
Speaker 2: the forever dream home.

372
00:16:20,840 --> 00:16:22,600
Speaker 4: Oh what does that look like? How long do you

373
00:16:22,640 --> 00:16:23,360
Speaker 4: think that'll take?

374
00:16:23,640 --> 00:16:26,560
Speaker 2: My plan? I would like it in five, but it's

375
00:16:26,640 --> 00:16:30,280
Speaker 2: probably more ten years for us, just with the current

376
00:16:30,320 --> 00:16:32,320
Speaker 2: mortgage that we have, which is a little bit higher

377
00:16:32,320 --> 00:16:35,240
Speaker 2: than we anticipate buying together. So probably a ten year

378
00:16:35,280 --> 00:16:36,960
Speaker 2: plan to get that one done.

379
00:16:37,120 --> 00:16:39,680
Speaker 4: Yeah, I love that. I feel like it's so nice

380
00:16:39,720 --> 00:16:41,560
Speaker 4: to hear someone go, you know what, that's probably a

381
00:16:41,600 --> 00:16:44,160
Speaker 4: ten year plan, but it's still on the cards. You're

382
00:16:44,160 --> 00:16:47,480
Speaker 4: still working towards it. Tell me you said something there

383
00:16:47,520 --> 00:16:49,280
Speaker 4: that I want to dive a little bit deeper into.

384
00:16:49,320 --> 00:16:51,360
Speaker 4: You said, the mortgage is a little bit more than

385
00:16:51,400 --> 00:16:54,840
Speaker 4: what we had anticipated. Why is that? How did that happen?

386
00:16:55,400 --> 00:16:58,480
Speaker 2: So? Originally when we decided that we were endgame, we

387
00:16:58,560 --> 00:17:00,520
Speaker 2: wanted to buy it together, but we were hoping to

388
00:17:00,600 --> 00:17:04,119
Speaker 2: utilize myself for the first home buy stamp duty exemption

389
00:17:04,200 --> 00:17:06,359
Speaker 2: in our state. So we're hoping to buy with just

390
00:17:06,400 --> 00:17:08,719
Speaker 2: my name on the title to you know it can

391
00:17:08,800 --> 00:17:11,640
Speaker 2: be twenty k thirty k, like it's quite large.

392
00:17:11,680 --> 00:17:13,400
Speaker 4: Yeah, it's a good deal, but where we.

393
00:17:13,280 --> 00:17:16,359
Speaker 2: Were looking to buy, it just wasn't feasible to get

394
00:17:16,440 --> 00:17:19,439
Speaker 2: something that wouldn't require work. And my partner and I

395
00:17:19,600 --> 00:17:22,840
Speaker 2: realized we love each other, but we probably can't rento together.

396
00:17:24,680 --> 00:17:25,480
Speaker 2: We probably cannot.

397
00:17:25,560 --> 00:17:27,920
Speaker 4: My husband and I are going through that right now

398
00:17:28,200 --> 00:17:32,280
Speaker 4: and it's testing yeap, Like I'm grateful, don't get me wrong.

399
00:17:32,400 --> 00:17:35,800
Speaker 4: And it can be super fun, but it's also super stressful.

400
00:17:36,040 --> 00:17:38,439
Speaker 2: Yes, yes, I can only imagine, and yes, we do

401
00:17:38,440 --> 00:17:40,920
Speaker 2: love each other. We do have strengths we but.

402
00:17:40,960 --> 00:17:43,320
Speaker 4: Knowing that is really important and a little bit more

403
00:17:43,359 --> 00:17:46,440
Speaker 4: debt and knowing that your relationship is not going to

404
00:17:46,480 --> 00:17:48,440
Speaker 4: suffer because of it. She's a smart woman.

405
00:17:48,560 --> 00:17:51,120
Speaker 2: That's the decision we made. We ideally should have stayed

406
00:17:51,160 --> 00:17:53,679
Speaker 2: in his home that he had by himself, which was

407
00:17:53,680 --> 00:17:56,480
Speaker 2: his family home that he purchased, but it needed work

408
00:17:56,600 --> 00:17:59,600
Speaker 2: and love that we couldn't give it as a fresh couple.

409
00:18:00,160 --> 00:18:01,840
Speaker 4: That's fair, all right. I want to know what do

410
00:18:01,840 --> 00:18:03,440
Speaker 4: you do for? How much money do you earn?

411
00:18:03,600 --> 00:18:07,040
Speaker 2: Yeah? So I work in state government in primary industries

412
00:18:07,119 --> 00:18:09,040
Speaker 2: and I earn one hundred and twenty thousand a year

413
00:18:09,119 --> 00:18:11,719
Speaker 2: and my partner is in mining and he works one

414
00:18:11,760 --> 00:18:13,400
Speaker 2: hundred and sixty thousand a year.

415
00:18:13,560 --> 00:18:17,240
Speaker 4: Oh very nice, plus super yeah, oh plus super. Does

416
00:18:17,240 --> 00:18:18,440
Speaker 4: he also get bonuses?

417
00:18:18,680 --> 00:18:20,440
Speaker 2: Yes? He does production targets? Yes?

418
00:18:20,640 --> 00:18:22,520
Speaker 4: Ah, how exciting? And what did they look like?

419
00:18:22,800 --> 00:18:26,080
Speaker 2: I think his last bonus was five thousand for the

420
00:18:26,160 --> 00:18:28,040
Speaker 2: year for meeting their production targets, or it could have

421
00:18:28,080 --> 00:18:28,840
Speaker 2: been six monthly.

422
00:18:29,040 --> 00:18:31,440
Speaker 4: Yeah, that's so good. And do you get any type

423
00:18:31,440 --> 00:18:33,560
Speaker 4: of bonuses? I don't believe you doing government right.

424
00:18:33,720 --> 00:18:35,720
Speaker 2: No, we do get things like leaveloading, which is a

425
00:18:35,720 --> 00:18:38,960
Speaker 2: little bit extra, and we do usually increase with CPI

426
00:18:39,040 --> 00:18:42,400
Speaker 2: each year as well, so we usually guaranteed that increase

427
00:18:42,440 --> 00:18:43,160
Speaker 2: so it keeps up.

428
00:18:43,240 --> 00:18:45,840
Speaker 4: Okay, that is nice. Now tell me a little bit

429
00:18:45,880 --> 00:18:48,120
Speaker 4: more about that, because I am a really big fan

430
00:18:48,320 --> 00:18:52,720
Speaker 4: of salaries increasing with CPI. Is that written into your contract?

431
00:18:52,960 --> 00:18:54,480
Speaker 2: No? Through our union?

432
00:18:54,840 --> 00:18:57,040
Speaker 4: Right? I love this? And is there a lot of

433
00:18:57,119 --> 00:19:02,360
Speaker 4: pushback from the organization from the union And how did

434
00:19:02,400 --> 00:19:04,159
Speaker 4: that go? Because I know that lots of people have

435
00:19:04,240 --> 00:19:07,440
Speaker 4: been having these prickly conversations over the last I think

436
00:19:07,600 --> 00:19:09,840
Speaker 4: twelve to twenty four months, I'd say, oh.

437
00:19:09,800 --> 00:19:12,000
Speaker 2: Yeah, for sure. So I believe we're still a negotiation

438
00:19:12,080 --> 00:19:14,359
Speaker 2: for this year's CPI increased. But last year's was very

439
00:19:14,359 --> 00:19:16,600
Speaker 2: profitable for us. I believe we got four point five

440
00:19:16,680 --> 00:19:19,880
Speaker 2: backdated per saying increase to keep up with the inflation

441
00:19:20,000 --> 00:19:22,920
Speaker 2: for last year, so that was awesome. But yet we're

442
00:19:22,920 --> 00:19:25,439
Speaker 2: still looking at this year's negotiations. But I know my

443
00:19:25,480 --> 00:19:28,399
Speaker 2: partner's mind is also going into negotiations as well for

444
00:19:28,480 --> 00:19:32,320
Speaker 2: their they're on a contract agreement, so they're going into

445
00:19:32,359 --> 00:19:35,439
Speaker 2: negotiations for their salaries as well. So we should have

446
00:19:35,480 --> 00:19:36,800
Speaker 2: a result of that by the end of the year,

447
00:19:36,840 --> 00:19:39,840
Speaker 2: which should look like a nice increase as well.

448
00:19:39,840 --> 00:19:42,120
Speaker 4: Erelate, I love that so much. I mean, I don't

449
00:19:42,119 --> 00:19:44,040
Speaker 4: love hearing that it was four point five percent. I'm

450
00:19:44,080 --> 00:19:46,800
Speaker 4: glad that you're happy with that and that, like, obviously

451
00:19:46,840 --> 00:19:49,400
Speaker 4: that's much better than most people are getting. But let's

452
00:19:49,400 --> 00:19:51,840
Speaker 4: not forget that inflation was seven point one percent, so

453
00:19:51,880 --> 00:19:55,120
Speaker 4: that doesn't exactly keep up, but it does meet more

454
00:19:55,160 --> 00:19:57,639
Speaker 4: than half of it, So I mean, it's better than

455
00:19:57,640 --> 00:20:00,080
Speaker 4: a kick in the pants. Is that what we'll all

456
00:20:00,160 --> 00:20:00,680
Speaker 4: we're going with?

457
00:20:00,960 --> 00:20:01,080
Speaker 2: Oh?

458
00:20:01,119 --> 00:20:03,320
Speaker 4: Agree, let's go to a really quick break on the

459
00:20:03,359 --> 00:20:04,879
Speaker 4: flip side. I want to dive in. I want to

460
00:20:04,920 --> 00:20:07,400
Speaker 4: know so much more about these properties, your in investments.

461
00:20:07,440 --> 00:20:09,040
Speaker 4: I want to know your best and worst money habits.

462
00:20:09,160 --> 00:20:11,240
Speaker 4: And I feel like I have some more relationship questions

463
00:20:11,240 --> 00:20:18,240
Speaker 4: for you. So guys, don't go anywhere money diarist. We

464
00:20:18,440 --> 00:20:21,560
Speaker 4: are back and I want to know are you guys investing?

465
00:20:21,840 --> 00:20:23,639
Speaker 4: If so, how what does that look like?

466
00:20:24,080 --> 00:20:27,280
Speaker 2: So currently, no, we are not investing, but it is

467
00:20:27,320 --> 00:20:30,800
Speaker 2: in the immediate future for us. So I have mentioned

468
00:20:30,840 --> 00:20:33,080
Speaker 2: that when we bought a house together, my partner had

469
00:20:33,119 --> 00:20:36,200
Speaker 2: a house and we did get a small profit from

470
00:20:36,200 --> 00:20:39,120
Speaker 2: that sale, about one hundred K that we have held

471
00:20:39,160 --> 00:20:41,639
Speaker 2: onto with the intention of investing it.

472
00:20:41,720 --> 00:20:42,639
Speaker 4: Oh how cool.

473
00:20:42,920 --> 00:20:45,359
Speaker 2: Yeah, it's just been a leap we haven't been able

474
00:20:45,400 --> 00:20:47,480
Speaker 2: to take yet or been comfortable to take here.

475
00:20:47,600 --> 00:20:50,639
Speaker 4: Oh of course. And will you guys do like property

476
00:20:50,680 --> 00:20:53,639
Speaker 4: investing or share investing or what does that look like

477
00:20:53,760 --> 00:20:55,040
Speaker 4: or just no idea yet?

478
00:20:55,080 --> 00:20:58,120
Speaker 2: We intend to go into shares. We do have a

479
00:20:58,160 --> 00:21:01,120
Speaker 2: financial advisor in the family. We were hoping to utilize

480
00:21:01,119 --> 00:21:03,040
Speaker 2: some expertise there to help.

481
00:21:02,880 --> 00:21:05,680
Speaker 4: The amazing I love that for you guys.

482
00:21:05,920 --> 00:21:08,000
Speaker 2: Yeah, so that would be the goal and then we'd

483
00:21:08,040 --> 00:21:10,720
Speaker 2: continually each month put money into that account once we

484
00:21:10,760 --> 00:21:11,239
Speaker 2: set that up.

485
00:21:11,320 --> 00:21:13,880
Speaker 4: Yeah, all right, I want to jump into your debt era.

486
00:21:14,119 --> 00:21:15,960
Speaker 4: So at the start of the episode you said v

487
00:21:16,160 --> 00:21:19,040
Speaker 4: I'm in my debt era, and I loved it because

488
00:21:19,080 --> 00:21:22,320
Speaker 4: one it's really blunt, but two it's just an era.

489
00:21:22,480 --> 00:21:24,880
Speaker 4: We're just going through this. So can you break down

490
00:21:24,880 --> 00:21:26,159
Speaker 4: what debt you currently have?

491
00:21:26,400 --> 00:21:29,840
Speaker 2: Sure? Ken, So we have one car loan worth forty thousand.

492
00:21:30,000 --> 00:21:33,119
Speaker 2: We have a mortgage which is technically split intwo so

493
00:21:33,160 --> 00:21:35,600
Speaker 2: we have a variable mortgage at one hundred and sixty

494
00:21:35,600 --> 00:21:38,119
Speaker 2: seven thousand and then a fixed mortgage at five hundred

495
00:21:38,119 --> 00:21:41,040
Speaker 2: and eighty thousand, and then I also have my HEX.

496
00:21:41,119 --> 00:21:43,080
Speaker 2: Now this is something I'm not proud of. I did

497
00:21:43,119 --> 00:21:45,600
Speaker 2: do two degrees and I did max out my HEX.

498
00:21:45,640 --> 00:21:47,199
Speaker 2: So I do have one hundred and twenty thousand in

499
00:21:47,240 --> 00:21:48,119
Speaker 2: he so did I.

500
00:21:48,359 --> 00:21:52,880
Speaker 4: Yeah, don't worry. Don't worry there. Oh there, Mine has

501
00:21:53,119 --> 00:21:56,720
Speaker 4: just big flex from me. Mine's just dropped under six figures.

502
00:21:56,840 --> 00:21:57,840
Speaker 4: So that's prank.

503
00:21:57,880 --> 00:21:59,800
Speaker 2: God, that is a congratulations.

504
00:22:00,200 --> 00:22:03,359
Speaker 4: I know I'm still up to my eyeballs in HEXTEBT.

505
00:22:04,000 --> 00:22:06,399
Speaker 4: Have I paid off any extra? No, because I have

506
00:22:06,440 --> 00:22:09,040
Speaker 4: bigger financial goals at play and I'm just grateful that

507
00:22:09,119 --> 00:22:12,280
Speaker 4: the government is letting me do that. But I feel

508
00:22:12,320 --> 00:22:14,360
Speaker 4: like it's done me well so far. And I mean,

509
00:22:14,720 --> 00:22:17,199
Speaker 4: you you are doing very well. You earn one twenty

510
00:22:17,200 --> 00:22:19,679
Speaker 4: plus supers. Still like, I'm not upset for you.

511
00:22:20,720 --> 00:22:21,080
Speaker 2: Thank you?

512
00:22:21,520 --> 00:22:23,520
Speaker 4: Sorry? Not sorry? What other debt do you have?

513
00:22:23,720 --> 00:22:25,320
Speaker 2: That? Is it? That's what we have? Yeah?

514
00:22:25,400 --> 00:22:27,879
Speaker 4: I love that. So tell me how did you guys

515
00:22:27,880 --> 00:22:30,080
Speaker 4: decide to get a car loan for forty grand? That's

516
00:22:30,080 --> 00:22:32,199
Speaker 4: pretty reasonable as a car loan it is.

517
00:22:32,280 --> 00:22:34,439
Speaker 2: That was a little bit of a personal decision. So

518
00:22:34,520 --> 00:22:36,959
Speaker 2: my partner has his own car, which is all paid off.

519
00:22:37,000 --> 00:22:39,760
Speaker 2: It's a work car. It will be driven till it dies,

520
00:22:39,800 --> 00:22:42,320
Speaker 2: and it won't die, you know, probably before us. I

521
00:22:42,359 --> 00:22:45,040
Speaker 2: tell you that. It's a Toyota.

522
00:22:45,200 --> 00:22:47,840
Speaker 4: My dad always used to say that. He'd be like, well,

523
00:22:47,880 --> 00:22:50,000
Speaker 4: if you're a reliable car, you're obviously going to have

524
00:22:50,000 --> 00:22:52,360
Speaker 4: to buy a Toyota. My first car was a Toyota too,

525
00:22:52,600 --> 00:22:54,800
Speaker 4: a not very attractive one. I'm not gonna lie. I

526
00:22:54,840 --> 00:22:56,320
Speaker 4: wish I could be like, oh I had a really

527
00:22:56,320 --> 00:22:59,160
Speaker 4: cute Camri or I had like a Corolla or something. No,

528
00:22:59,240 --> 00:23:02,360
Speaker 4: I don't know if people know what a Toyota Avalon is.

529
00:23:02,960 --> 00:23:04,399
Speaker 4: But like that's what I do.

530
00:23:05,200 --> 00:23:08,639
Speaker 2: Oh beautiful, yes, stunning, right, yep, I can see it

531
00:23:08,680 --> 00:23:09,639
Speaker 2: in my mind's eye.

532
00:23:10,160 --> 00:23:12,960
Speaker 4: I sold it for a very hefty profit of get this,

533
00:23:13,520 --> 00:23:14,679
Speaker 4: five hundred dollars.

534
00:23:14,840 --> 00:23:19,640
Speaker 2: Of You can't go past the Toyot big dog. But yeah,

535
00:23:19,680 --> 00:23:21,600
Speaker 2: So because we had that, we decided that we did

536
00:23:21,640 --> 00:23:24,520
Speaker 2: want to spend a little bit and have a nice car,

537
00:23:24,920 --> 00:23:27,040
Speaker 2: have that car for a good few years and enjoy

538
00:23:27,080 --> 00:23:29,600
Speaker 2: it before we have a family. That was the thought

539
00:23:29,640 --> 00:23:32,480
Speaker 2: as well. So we did buy a little BMW and

540
00:23:33,480 --> 00:23:35,879
Speaker 2: I had a car that sold literally for what I

541
00:23:35,920 --> 00:23:38,159
Speaker 2: bought it for brand new. It was a Mazda. I

542
00:23:38,240 --> 00:23:40,040
Speaker 2: bought it for thirty five and I sold it for

543
00:23:40,040 --> 00:23:42,840
Speaker 2: thirty two and a half. Like, yeah, it was ridiculous.

544
00:23:42,880 --> 00:23:44,159
Speaker 2: So it was a really good time for us if

545
00:23:44,160 --> 00:23:45,720
Speaker 2: we were going to upgrade to upgrade.

546
00:23:45,880 --> 00:23:49,359
Speaker 4: Yeah, how exciting, you dropped. We want to have a

547
00:23:49,440 --> 00:23:51,719
Speaker 4: family at some point, what does that look like.

548
00:23:51,960 --> 00:23:54,720
Speaker 2: I've actually been listening to your pods Victoria and all

549
00:23:54,760 --> 00:23:57,640
Speaker 2: the family financials. So yeah, we do want to look

550
00:23:57,640 --> 00:23:59,240
Speaker 2: into starting a family next year.

551
00:23:59,400 --> 00:24:01,359
Speaker 4: So how exciting.

552
00:24:01,480 --> 00:24:04,520
Speaker 2: I know, I'm very excited. It's daunting that. I'm very excited.

553
00:24:04,520 --> 00:24:05,879
Speaker 2: I've already got the spreadsheet together.

554
00:24:06,359 --> 00:24:08,639
Speaker 4: It's the best thing in the entire world. Like, I

555
00:24:08,680 --> 00:24:13,320
Speaker 4: don't think it's very lame. And historically, whenever i'd hear

556
00:24:13,359 --> 00:24:15,680
Speaker 4: people be like I love being a mom, I'd be like, yeah,

557
00:24:15,680 --> 00:24:18,679
Speaker 4: all right, cool, Like I didn't get it, get it.

558
00:24:18,720 --> 00:24:20,720
Speaker 4: And now I'm a mom, I'm like, why didn't you

559
00:24:20,720 --> 00:24:22,800
Speaker 4: guys tell me? Like, why didn't you tell me how

560
00:24:22,840 --> 00:24:23,679
Speaker 4: cool this was?

561
00:24:24,000 --> 00:24:26,080
Speaker 2: That's very comforting to hear. I'm very excited.

562
00:24:26,240 --> 00:24:28,440
Speaker 4: Oh it's so good. It's so good, you're going to

563
00:24:28,480 --> 00:24:31,520
Speaker 4: adore it. But I want to know, given you're planning

564
00:24:31,520 --> 00:24:34,520
Speaker 4: on starting a family, and in your money story that

565
00:24:34,560 --> 00:24:38,240
Speaker 4: you wrote into us, you said my partner discovered an

566
00:24:38,240 --> 00:24:41,600
Speaker 4: act of financial abuse against him which changed his relationship

567
00:24:41,640 --> 00:24:45,400
Speaker 4: with his parents forever. That was a big bomb to drop.

568
00:24:45,480 --> 00:24:48,240
Speaker 4: And with the idea that you're planning a family, like,

569
00:24:48,520 --> 00:24:50,919
Speaker 4: can we dive a little bit deeper into what was

570
00:24:50,960 --> 00:24:54,200
Speaker 4: that bomb? And how are you going to be managing

571
00:24:54,280 --> 00:24:56,840
Speaker 4: money as children to the family.

572
00:24:57,080 --> 00:25:00,119
Speaker 2: Yeah, that's a great question. So, as mentioned, when my

573
00:25:00,160 --> 00:25:02,240
Speaker 2: partner and I decided to buy together, he had a

574
00:25:02,240 --> 00:25:04,840
Speaker 2: house previously. The house that he had was his family

575
00:25:04,880 --> 00:25:09,160
Speaker 2: home that he had purchased from his mum and his stepdad.

576
00:25:09,600 --> 00:25:12,080
Speaker 2: At the time that he purchased the home, as I mentioned,

577
00:25:12,080 --> 00:25:14,080
Speaker 2: he's not one for paperwork. He's not one for looking

578
00:25:14,160 --> 00:25:17,000
Speaker 2: anything over. They needed the purchase to go through so

579
00:25:17,080 --> 00:25:19,199
Speaker 2: they could move to a new state and start a

580
00:25:19,240 --> 00:25:22,520
Speaker 2: new life, and he trusted them with that sale, and

581
00:25:22,560 --> 00:25:25,640
Speaker 2: they had it valued by the local agent, and he

582
00:25:25,720 --> 00:25:28,320
Speaker 2: signed the mortgage documents that they'd all organized for him.

583
00:25:28,800 --> 00:25:30,760
Speaker 2: And it wasn't until we went to Selley's home and

584
00:25:30,760 --> 00:25:33,560
Speaker 2: we had it valued, you know, seven years later by

585
00:25:33,600 --> 00:25:36,359
Speaker 2: that same local agent that he let him know that

586
00:25:36,400 --> 00:25:40,280
Speaker 2: he did the original valuation and he had way way overpaid.

587
00:25:40,920 --> 00:25:44,760
Speaker 2: He had overpaid by one hundred thousand dollars what yep,

588
00:25:44,880 --> 00:25:47,480
Speaker 2: So the local agent did the valuation put it at

589
00:25:47,520 --> 00:25:51,480
Speaker 2: mid threes and he signed paperwork for a private sale

590
00:25:51,520 --> 00:25:55,000
Speaker 2: at mid fours. And when he confronted his mum and

591
00:25:55,240 --> 00:25:58,720
Speaker 2: his stepfather about it, the stepfather had no idea. He

592
00:25:58,800 --> 00:26:00,600
Speaker 2: thought that the sale had gone through at the mid

593
00:26:00,600 --> 00:26:04,960
Speaker 2: three hundred price point. And it turns out that yep,

594
00:26:05,840 --> 00:26:08,320
Speaker 2: his mum had changed that figure.

595
00:26:08,320 --> 00:26:12,280
Speaker 4: And what he just paid her more, And like I'm

596
00:26:12,359 --> 00:26:16,320
Speaker 4: so pervy. I'm so sorry, Deely. Okay, you're anonymous and

597
00:26:16,400 --> 00:26:18,520
Speaker 4: you couldn't ask this at brunch, so like, this is

598
00:26:18,520 --> 00:26:21,360
Speaker 4: why I'm asking now. So did his mom take off

599
00:26:21,359 --> 00:26:23,359
Speaker 4: with an extra one hundred grand off the top or

600
00:26:23,400 --> 00:26:25,320
Speaker 4: like what happened to that extra cash?

601
00:26:25,520 --> 00:26:28,160
Speaker 2: Yeah, she took it. It went into their new life,

602
00:26:28,240 --> 00:26:30,399
Speaker 2: the home that they bought in the New state, the

603
00:26:30,400 --> 00:26:33,199
Speaker 2: cars that they bought. Stepdad was just oblivious to it

604
00:26:33,240 --> 00:26:35,200
Speaker 2: all about where it had all come from because they

605
00:26:35,200 --> 00:26:38,920
Speaker 2: rebought with the mortgage, so it just yep. So when

606
00:26:38,960 --> 00:26:43,080
Speaker 2: he confronted them after the fact, Stepdad didn't realize thought

607
00:26:43,119 --> 00:26:45,520
Speaker 2: it was still at that lower price that they the

608
00:26:45,520 --> 00:26:48,119
Speaker 2: price that they've been valued by the local agent. And

609
00:26:48,200 --> 00:26:50,919
Speaker 2: mom said, no, no, we repainted it was you know,

610
00:26:51,000 --> 00:26:53,240
Speaker 2: worth the more. And my partner's like, it's not worth

611
00:26:53,240 --> 00:26:55,040
Speaker 2: a hundred thousand dollars through paint job.

612
00:26:55,240 --> 00:26:55,960
Speaker 4: Absolutely not.

613
00:26:56,359 --> 00:26:58,639
Speaker 2: Yeah, since that time it was a you know, strained

614
00:26:58,640 --> 00:27:01,560
Speaker 2: relationship to start with, but where yeah, he's decided to

615
00:27:01,560 --> 00:27:02,680
Speaker 2: go no contact since then.

616
00:27:02,760 --> 00:27:07,040
Speaker 4: That is heartbreaking that somebody's parent could do that to them.

617
00:27:07,200 --> 00:27:10,880
Speaker 4: I mean, sadly, it's not an uncommon theme that happens

618
00:27:10,920 --> 00:27:14,800
Speaker 4: in the world, but that is why obviously he was heartbroken.

619
00:27:15,280 --> 00:27:17,560
Speaker 4: Do we know what the property is valued at now,

620
00:27:17,680 --> 00:27:20,240
Speaker 4: like is there something that's slowly bouncing back or is

621
00:27:20,240 --> 00:27:22,160
Speaker 4: he still at a massive loss about this.

622
00:27:22,440 --> 00:27:25,000
Speaker 2: We did sell it for a profit, so, oh thank

623
00:27:25,040 --> 00:27:27,159
Speaker 2: god it was Actually it was. It was quite amazing.

624
00:27:27,160 --> 00:27:28,280
Speaker 2: So part of the reason we got rid of it

625
00:27:28,320 --> 00:27:30,880
Speaker 2: is because of that emotional attachment that was.

626
00:27:31,200 --> 00:27:34,639
Speaker 4: It's got bad karma. Sitting on it feels high percent.

627
00:27:34,800 --> 00:27:37,000
Speaker 2: But we sold off market the day we got the

628
00:27:37,000 --> 00:27:39,640
Speaker 2: photos done. Before it went on market, someone came through

629
00:27:39,680 --> 00:27:41,119
Speaker 2: and offered full price.

630
00:27:41,320 --> 00:27:42,800
Speaker 4: Oh my gosh, Yeah.

631
00:27:42,600 --> 00:27:44,680
Speaker 2: It was awesome. It went for five ninety.

632
00:27:44,520 --> 00:27:46,920
Speaker 4: Oh my gosh money. When you guys would have been

633
00:27:46,960 --> 00:27:50,119
Speaker 4: over the moon, especially after hearing that it was valued

634
00:27:50,160 --> 00:27:52,199
Speaker 4: at three fifty and you paid four fifty, Like to

635
00:27:52,200 --> 00:27:54,760
Speaker 4: get another one hundred plus grand on top of that

636
00:27:54,840 --> 00:27:56,840
Speaker 4: would have just been so relieving. I know it should

637
00:27:56,840 --> 00:27:58,960
Speaker 4: have been more, but at least you weren't in the

638
00:27:59,000 --> 00:27:59,919
Speaker 4: red right.

639
00:28:00,480 --> 00:28:03,560
Speaker 2: Was tainted by unfortunately that discovery. It will assist to

640
00:28:03,600 --> 00:28:05,119
Speaker 2: set us up, but you know, it could have been

641
00:28:05,119 --> 00:28:07,359
Speaker 2: so much more life changing for us in our future family.

642
00:28:07,840 --> 00:28:09,840
Speaker 2: But you know, it is what it is. You've got

643
00:28:09,840 --> 00:28:11,320
Speaker 2: to run with those wins. Yeah.

644
00:28:11,359 --> 00:28:14,160
Speaker 4: Wow, it was an expensive lesson And how does your

645
00:28:14,160 --> 00:28:15,320
Speaker 4: partner feel about that?

646
00:28:15,400 --> 00:28:19,720
Speaker 2: Now? He is trying to teach his younger sisters better

647
00:28:19,960 --> 00:28:22,879
Speaker 2: habits and better ways of working, and trying to open

648
00:28:22,920 --> 00:28:25,239
Speaker 2: their eyes like he's weren't at the time, so that

649
00:28:25,440 --> 00:28:28,440
Speaker 2: they can make better choices and not be influenced by

650
00:28:28,560 --> 00:28:31,320
Speaker 2: these family members moving forward. So he's taking it as

651
00:28:31,320 --> 00:28:33,720
Speaker 2: a learning and he's yeah, really growing from it, which

652
00:28:33,720 --> 00:28:34,840
Speaker 2: is beautiful.

653
00:28:34,440 --> 00:28:37,639
Speaker 4: Saying yeah, but it's also just it's so sad, but

654
00:28:37,720 --> 00:28:40,239
Speaker 4: I think it will instill such good values in him

655
00:28:40,280 --> 00:28:43,440
Speaker 4: when he and you become parents, because you're just going,

656
00:28:43,480 --> 00:28:45,520
Speaker 4: this is not how I'd ever want my kids to

657
00:28:45,600 --> 00:28:50,680
Speaker 4: feel or you know, work that way. That's just absolutely heartbreaking.

658
00:28:50,880 --> 00:28:53,160
Speaker 4: But out of it, I'm sure you guys have become

659
00:28:53,200 --> 00:28:56,280
Speaker 4: really good at money, which segues me very nicely into asking,

660
00:28:56,360 --> 00:28:58,280
Speaker 4: what do you think your best money habits are? I

661
00:28:58,320 --> 00:28:59,240
Speaker 4: want yours and his?

662
00:28:59,720 --> 00:29:03,000
Speaker 2: Yeah, yeah, I think my best money habit is tracking

663
00:29:03,080 --> 00:29:06,080
Speaker 2: and planning. I have a manual tracker which I track

664
00:29:06,120 --> 00:29:09,720
Speaker 2: everything down to the dollar and personally categorized for us.

665
00:29:10,080 --> 00:29:11,000
Speaker 4: Oh my gosh, love.

666
00:29:11,440 --> 00:29:13,880
Speaker 2: Yeah, we were able to self fund so our wedding

667
00:29:14,000 --> 00:29:16,520
Speaker 2: was sixty five thousand dollars. It was very expensive, and

668
00:29:16,560 --> 00:29:18,280
Speaker 2: we did split some of that with my parents. But

669
00:29:18,400 --> 00:29:20,160
Speaker 2: over twelve months we were able to fund you know,

670
00:29:20,200 --> 00:29:23,440
Speaker 2: the thirty to forty grand difference, just by being smart.

671
00:29:23,520 --> 00:29:25,840
Speaker 4: Wait, you paid for your wedding in cash and it

672
00:29:25,920 --> 00:29:29,440
Speaker 4: was that much cash. Ship, Oh that is very sexy

673
00:29:29,480 --> 00:29:30,560
Speaker 4: money direst.

674
00:29:31,280 --> 00:29:33,480
Speaker 2: It took a lot, Victoria, I will tell you it

675
00:29:33,520 --> 00:29:35,479
Speaker 2: was a hard twelve months. But it was by this

676
00:29:35,560 --> 00:29:38,680
Speaker 2: tracking and having everything interconnected and not being able to

677
00:29:38,680 --> 00:29:40,880
Speaker 2: put our heads in the sands from the growing bills

678
00:29:40,880 --> 00:29:42,400
Speaker 2: that allowed us to be able to do that.

679
00:29:42,520 --> 00:29:45,560
Speaker 4: But how good You're not starting your marriage in debt,

680
00:29:45,880 --> 00:29:48,240
Speaker 4: like you're just starting ahead and I mean you've already

681
00:29:48,280 --> 00:29:50,880
Speaker 4: got like some assets and you guys are building everything up.

682
00:29:50,920 --> 00:29:54,080
Speaker 4: But like the idea that people and don't get me wrong, like,

683
00:29:54,160 --> 00:29:57,080
Speaker 4: I'm not here to shame anybody's values. If someone's like they,

684
00:29:57,400 --> 00:29:59,120
Speaker 4: I have thought about it well and truly, and we're

685
00:29:59,160 --> 00:30:01,959
Speaker 4: going into debt for our wedding, all power to you, Like,

686
00:30:02,240 --> 00:30:04,280
Speaker 4: go for it. You do what is best for you.

687
00:30:04,440 --> 00:30:06,360
Speaker 4: My job is actually to give you all the tools

688
00:30:06,400 --> 00:30:08,640
Speaker 4: and resources and lay them out on a table, so

689
00:30:08,720 --> 00:30:11,640
Speaker 4: that should you want to use them, you can, but

690
00:30:11,680 --> 00:30:14,560
Speaker 4: you don't have to. Like everyone's different. But I love

691
00:30:14,640 --> 00:30:18,440
Speaker 4: this idea that people would start fresh in a relationship

692
00:30:18,920 --> 00:30:21,920
Speaker 4: or take their relationship to the next level without having

693
00:30:22,040 --> 00:30:25,160
Speaker 4: debt to pay back a wedding because it's to me,

694
00:30:25,320 --> 00:30:27,840
Speaker 4: it's an item that you don't get a lot out of, Like, yes,

695
00:30:27,880 --> 00:30:30,400
Speaker 4: I got married, but I don't have an asset that's

696
00:30:30,440 --> 00:30:33,600
Speaker 4: going to increase in value, Like I can't sell my marriage,

697
00:30:33,640 --> 00:30:34,640
Speaker 4: can I agree?

698
00:30:34,720 --> 00:30:36,880
Speaker 2: And after coming through that, you know, twelve month period

699
00:30:36,920 --> 00:30:39,880
Speaker 2: of two mortgages in that extreme stress, I couldn't imagine

700
00:30:40,120 --> 00:30:42,920
Speaker 2: a relationship with that much money stress in it. So

701
00:30:43,120 --> 00:30:44,400
Speaker 2: that was really important for us.

702
00:30:44,960 --> 00:30:47,840
Speaker 4: What an icon? So what's your partner's best money habit?

703
00:30:48,320 --> 00:30:48,800
Speaker 2: Is it? You?

704
00:30:48,840 --> 00:30:50,840
Speaker 4: Are you his best habit? Because I feel like that's

705
00:30:50,880 --> 00:30:51,720
Speaker 4: where this is going.

706
00:30:52,000 --> 00:30:53,800
Speaker 2: I think that's part of it. But also one thing

707
00:30:53,840 --> 00:30:56,000
Speaker 2: he does tell me is and I learned from the

708
00:30:56,040 --> 00:30:58,600
Speaker 2: pod and he keeps instealing a me, is our money values.

709
00:30:58,640 --> 00:31:00,800
Speaker 2: We can't be so focused on our goals and our

710
00:31:00,800 --> 00:31:02,720
Speaker 2: plans in our future that we forget the now and

711
00:31:03,000 --> 00:31:06,080
Speaker 2: what brings us happiness. So you know, he makes sure

712
00:31:06,080 --> 00:31:08,160
Speaker 2: that you know, we have a big value around food,

713
00:31:08,280 --> 00:31:11,960
Speaker 2: not necessarily McDonald's, but we like to spend eating out

714
00:31:12,080 --> 00:31:14,440
Speaker 2: and so we have to budget for it. Otherwise we

715
00:31:14,440 --> 00:31:16,560
Speaker 2: feel the guilt around something that we love and it's

716
00:31:16,600 --> 00:31:19,440
Speaker 2: just not worth it. So he helps keep me grounded.

717
00:31:19,760 --> 00:31:23,160
Speaker 4: It's about the journey. It's literally about the journey. Like

718
00:31:23,200 --> 00:31:25,600
Speaker 4: the tagline of my I have a mortgage broking business,

719
00:31:25,600 --> 00:31:28,160
Speaker 4: which people should know by now because it's all I

720
00:31:28,200 --> 00:31:31,040
Speaker 4: talk about, but the tagline of Zella Money is literally

721
00:31:31,080 --> 00:31:34,120
Speaker 4: it's your journey because it's like so important to make

722
00:31:34,120 --> 00:31:36,240
Speaker 4: sure that we're not just trying to buy the biggest,

723
00:31:36,280 --> 00:31:39,440
Speaker 4: best house, but we are trying to find a really

724
00:31:39,560 --> 00:31:44,000
Speaker 4: nice balance of creating wealth buying property but also enjoying

725
00:31:44,000 --> 00:31:45,840
Speaker 4: that journey because like I say this all the time

726
00:31:45,880 --> 00:31:47,880
Speaker 4: and it sounds a little bit I don't know, hippy dippy,

727
00:31:48,280 --> 00:31:51,880
Speaker 4: but like old age is a privilege that's denied to

728
00:31:52,000 --> 00:31:56,520
Speaker 4: so many people, and to not experience the journey to

729
00:31:56,560 --> 00:31:59,560
Speaker 4: its fullest extent along the way, like I don't want

730
00:31:59,560 --> 00:32:01,400
Speaker 4: to get to see and be like, wow, I'm super

731
00:32:01,480 --> 00:32:04,480
Speaker 4: rich now, Glad I skipped out on all those brunches

732
00:32:04,520 --> 00:32:07,000
Speaker 4: and family time. Glad I didn't have any you know,

733
00:32:07,240 --> 00:32:09,840
Speaker 4: friend memories. Glad I didn't go on all those family

734
00:32:09,880 --> 00:32:13,120
Speaker 4: holidays that we we didn't go on. Like, I just

735
00:32:13,600 --> 00:32:16,520
Speaker 4: there's so much about life that we should be enjoying,

736
00:32:16,880 --> 00:32:19,479
Speaker 4: and I just go, you know, if it's not for you,

737
00:32:19,560 --> 00:32:21,200
Speaker 4: that's not for you. Like if you're one of those

738
00:32:21,240 --> 00:32:24,120
Speaker 4: people in you know, the fire movement, so like financial independence,

739
00:32:24,120 --> 00:32:28,240
Speaker 4: retire early. If that's for you, fantastic, just not for me.

740
00:32:28,480 --> 00:32:30,960
Speaker 2: Agreed, Yeah, we're the same. We thought about it, how

741
00:32:30,960 --> 00:32:34,120
Speaker 2: to try of it, and we just we love life

742
00:32:34,120 --> 00:32:34,560
Speaker 2: too much.

743
00:32:34,680 --> 00:32:37,000
Speaker 4: I mean, you had so much sacrifice leading up to

744
00:32:37,040 --> 00:32:40,440
Speaker 4: your wedding. You were probably like, this sounded great in theory,

745
00:32:40,880 --> 00:32:43,800
Speaker 4: not for me. We tried it. Let's do the journey.

746
00:32:43,480 --> 00:32:46,240
Speaker 2: Part one hundred percent. That was exactly us.

747
00:32:46,240 --> 00:32:49,200
Speaker 4: So I love that, all right. Flip the narrative. What's

748
00:32:49,240 --> 00:32:50,240
Speaker 4: your worst money habit?

749
00:32:50,720 --> 00:32:54,240
Speaker 2: I have a love language of gift giving. Oh same,

750
00:32:54,680 --> 00:32:58,080
Speaker 2: it's show. Look I'm getting better at it and learning

751
00:32:58,120 --> 00:33:00,239
Speaker 2: how to work around it in terms of you know,

752
00:33:00,280 --> 00:33:04,080
Speaker 2: starting early, waiting for sales, picking items. But I budget

753
00:33:04,120 --> 00:33:06,280
Speaker 2: five thousand dollars for Christmas every year and we don't

754
00:33:06,280 --> 00:33:11,400
Speaker 2: oh my god, we don't have children. Yep, that's okay.

755
00:33:11,480 --> 00:33:13,560
Speaker 4: I'm sorry. You can't drop that. You can't drop that

756
00:33:13,640 --> 00:33:16,280
Speaker 4: on me and then not give me a breakdown? Who like,

757
00:33:16,480 --> 00:33:20,440
Speaker 4: I don't even spend five grand for Christmas? What's the breakdown?

758
00:33:20,480 --> 00:33:20,880
Speaker 4: Look like?

759
00:33:20,880 --> 00:33:20,960
Speaker 3: Like?

760
00:33:21,000 --> 00:33:23,480
Speaker 4: What are people getting? Is everyone? Do you just turn

761
00:33:23,560 --> 00:33:25,960
Speaker 4: up to Christmas and you're like, i'd oprah a car

762
00:33:26,080 --> 00:33:28,640
Speaker 4: for you, a car for you? You guys get air wraps?

763
00:33:28,720 --> 00:33:29,960
Speaker 4: Like what's Christmas?

764
00:33:30,040 --> 00:33:30,120
Speaker 1: Like?

765
00:33:30,440 --> 00:33:33,120
Speaker 2: Yeah, that's look it's somewhat like that. Like if my

766
00:33:33,240 --> 00:33:36,360
Speaker 2: mum wants the new dice and air wrapp or hair dryer, like,

767
00:33:36,680 --> 00:33:38,560
Speaker 2: I can't not because I know it's something she wants.

768
00:33:38,600 --> 00:33:40,680
Speaker 2: I find it really difficult within me to not do it,

769
00:33:40,720 --> 00:33:43,560
Speaker 2: even if I know it's, you know, a big budgetary spend,

770
00:33:44,040 --> 00:33:46,880
Speaker 2: and yet with my cousins are going through their kid era,

771
00:33:46,960 --> 00:33:49,120
Speaker 2: so we've got lots of little people running around and

772
00:33:49,160 --> 00:33:51,560
Speaker 2: I just can't not. I find it really difficult because

773
00:33:51,600 --> 00:33:53,640
Speaker 2: it is, you know, my way of saying I love

774
00:33:53,680 --> 00:33:55,240
Speaker 2: you because I've thought about you, and I've got you

775
00:33:55,240 --> 00:33:57,520
Speaker 2: something you really want and that you know shows that

776
00:33:57,600 --> 00:33:58,240
Speaker 2: I know you.

777
00:33:58,440 --> 00:34:00,920
Speaker 4: I love that though, and I love that you've budgeted

778
00:34:00,960 --> 00:34:03,400
Speaker 4: for it. It's not like, oh, every Christmas we completely

779
00:34:03,440 --> 00:34:05,560
Speaker 4: blow out because like, I need to be better next year.

780
00:34:05,600 --> 00:34:08,560
Speaker 4: You're like, nope, my love language actually is gift giving

781
00:34:08,719 --> 00:34:10,759
Speaker 4: and I have to allocate a big budget to this

782
00:34:10,880 --> 00:34:13,120
Speaker 4: because it actually gives me as much joy as it

783
00:34:13,160 --> 00:34:15,200
Speaker 4: gives the other people that it goes to. So I'm

784
00:34:15,200 --> 00:34:16,840
Speaker 4: not mad about that. That's not the worst.

785
00:34:16,600 --> 00:34:19,399
Speaker 2: Table, thank you. I'll take that.

786
00:34:19,560 --> 00:34:22,840
Speaker 4: People have spent more on least. So I'm telling you, now, yep,

787
00:34:23,480 --> 00:34:26,360
Speaker 4: what do you think your partner's worst habit is? Please

788
00:34:26,400 --> 00:34:28,160
Speaker 4: tell me he also is a gift giver.

789
00:34:28,280 --> 00:34:31,160
Speaker 2: Up, yes he is, but he doesn't do the planning

790
00:34:31,160 --> 00:34:32,919
Speaker 2: that I do, so we can to overspend because he'll

791
00:34:32,920 --> 00:34:34,319
Speaker 2: just pick it up when he sees it hasn't thought

792
00:34:34,320 --> 00:34:37,040
Speaker 2: about it, hasn't picked up in the sales. Impulse shopping

793
00:34:37,120 --> 00:34:39,400
Speaker 2: is my partner's worst habit and it's what has you know,

794
00:34:39,560 --> 00:34:42,200
Speaker 2: left him over the last few years, not being able

795
00:34:42,239 --> 00:34:45,600
Speaker 2: to put savings together. I put it down to, you know,

796
00:34:45,800 --> 00:34:47,400
Speaker 2: being denied as a kid. So as soon as you

797
00:34:47,440 --> 00:34:50,239
Speaker 2: got your own money, he doesn't deny himself. You know,

798
00:34:50,320 --> 00:34:52,959
Speaker 2: we're trying to work towards you know, if we can't

799
00:34:52,960 --> 00:34:54,680
Speaker 2: do this thing this week, good to wait till payday.

800
00:34:54,920 --> 00:34:58,279
Speaker 2: He struggles with that, that waiting, you know, even if

801
00:34:58,280 --> 00:35:00,319
Speaker 2: we've got the money there, but it's in a different category.

802
00:35:00,320 --> 00:35:02,680
Speaker 2: He struggles with that. So that's his worst habit is

803
00:35:02,719 --> 00:35:04,000
Speaker 2: that impulse spending.

804
00:35:04,320 --> 00:35:05,920
Speaker 4: But it's good to be aware of it. And I

805
00:35:06,080 --> 00:35:08,839
Speaker 4: like that as his partner, you're aware of it as well,

806
00:35:08,880 --> 00:35:11,520
Speaker 4: because it means that there's probably been some really good

807
00:35:11,520 --> 00:35:14,080
Speaker 4: conversations about it, and you guys are on the same page,

808
00:35:14,280 --> 00:35:18,080
Speaker 4: and you're probably implementing strategies that can help minimize that.

809
00:35:18,200 --> 00:35:18,759
Speaker 4: Am I right?

810
00:35:18,920 --> 00:35:20,920
Speaker 2: Yes, you are one hundred percent correct. It's been a

811
00:35:21,040 --> 00:35:23,480
Speaker 2: really long journey, but one worth having to put us

812
00:35:23,480 --> 00:35:24,319
Speaker 2: in the place that we're in.

813
00:35:24,480 --> 00:35:27,680
Speaker 4: I love it money, diarist. I need to know more.

814
00:35:27,800 --> 00:35:30,440
Speaker 4: At the start, you said, v I think like a C,

815
00:35:31,080 --> 00:35:33,000
Speaker 4: like between the two of us, like we're a C.

816
00:35:33,840 --> 00:35:37,080
Speaker 4: But then I'm thinking, okay, cool, great, tell me more.

817
00:35:37,120 --> 00:35:39,560
Speaker 4: And you said, I mean my debt era, and I'm thinking, okay, cool.

818
00:35:39,640 --> 00:35:42,279
Speaker 4: Like she's probably got a few personal loans, maybe a

819
00:35:42,280 --> 00:35:46,080
Speaker 4: credit card, because that's what debt era made me think of.

820
00:35:46,680 --> 00:35:48,960
Speaker 4: But it's not the case. You have a mortgage. You

821
00:35:48,960 --> 00:35:51,400
Speaker 4: actually have one hundred grand sitting to the side to invest.

822
00:35:51,440 --> 00:35:54,600
Speaker 4: You've got a forty thousand dollars car loan, which, as

823
00:35:54,640 --> 00:35:57,200
Speaker 4: you guys said, was a very conscious decision. It wasn't like,

824
00:35:57,280 --> 00:35:59,439
Speaker 4: oh damn v we accidentally got a car loan because

825
00:35:59,440 --> 00:36:02,160
Speaker 4: we didn't have a financial education and we regret it massively.

826
00:36:02,200 --> 00:36:04,960
Speaker 4: You were like, actually, we're enjoying the journey, like we

827
00:36:05,040 --> 00:36:07,839
Speaker 4: are loving life pre kids, and we wanted a little

828
00:36:07,840 --> 00:36:10,760
Speaker 4: bit and w to have a good life like Slay.

829
00:36:10,840 --> 00:36:13,560
Speaker 4: You guys earn more than enough to justify a purchase

830
00:36:13,680 --> 00:36:16,680
Speaker 4: like that. You guys know so much about not only

831
00:36:16,719 --> 00:36:19,000
Speaker 4: your money story, but your partner's money story, and I

832
00:36:19,000 --> 00:36:21,560
Speaker 4: think that that's really empowering. Like I look at that

833
00:36:21,600 --> 00:36:25,799
Speaker 4: and I go, I wish everybody was able to sit

834
00:36:25,840 --> 00:36:27,400
Speaker 4: down with their partner and go, well, how did you

835
00:36:27,440 --> 00:36:29,720
Speaker 4: grow up around money? And I know that yours probably

836
00:36:29,840 --> 00:36:34,120
Speaker 4: came as a consequence of learning about the financial abuse

837
00:36:34,160 --> 00:36:36,720
Speaker 4: that your partner went through, so you know, up until

838
00:36:36,719 --> 00:36:39,400
Speaker 4: that point he probably wasn't as forthcoming. But then you know,

839
00:36:39,840 --> 00:36:43,239
Speaker 4: when something happens, or when something triggers an outpour of

840
00:36:43,320 --> 00:36:46,720
Speaker 4: like okay, cool. Well, actually, as much as it's very negative,

841
00:36:46,719 --> 00:36:48,600
Speaker 4: I think it's been very positive and it's going to

842
00:36:48,640 --> 00:36:51,839
Speaker 4: mean that you become even wealthier over time. But I

843
00:36:51,920 --> 00:36:55,720
Speaker 4: just feel like you're an icon. Like paying a sixty

844
00:36:55,719 --> 00:36:57,680
Speaker 4: five thousand dollar wedding in cash, and I know you

845
00:36:57,680 --> 00:36:59,360
Speaker 4: said your parents helped out a bit, but that was

846
00:36:59,400 --> 00:37:02,640
Speaker 4: still what you paying forty five thousand dollars in cash,

847
00:37:02,719 --> 00:37:05,360
Speaker 4: Like most people can't save that over twelve months. Be

848
00:37:05,520 --> 00:37:07,799
Speaker 4: for real. I know it took some serious, you know,

849
00:37:08,080 --> 00:37:14,400
Speaker 4: motivation and restriction on your end, but what like hearing

850
00:37:14,440 --> 00:37:17,719
Speaker 4: this back money darist, are you sure you're a c.

851
00:37:18,200 --> 00:37:21,600
Speaker 2: Now that you put it that way, Victoria, I do

852
00:37:21,640 --> 00:37:23,880
Speaker 2: feel we could probably bump that up. I still believe

853
00:37:24,000 --> 00:37:26,360
Speaker 2: that there's room for us once we move past this,

854
00:37:26,560 --> 00:37:29,720
Speaker 2: you know, our highest debt era point to get better.

855
00:37:29,920 --> 00:37:32,279
Speaker 4: But yeah, but that's fine, Like most of it is

856
00:37:32,320 --> 00:37:36,360
Speaker 4: wealth creating debt. Yes, yeah, and that's very sexy. But

857
00:37:36,760 --> 00:37:39,799
Speaker 4: I love that for you. I'm very excited about it.

858
00:37:39,840 --> 00:37:42,400
Speaker 4: But I just think, oh my gosh, what would it

859
00:37:42,440 --> 00:37:45,800
Speaker 4: take for you to say, oh, v we're in a family,

860
00:37:46,120 --> 00:37:49,319
Speaker 4: like we absolutely we're smashing it, Like what would that take?

861
00:37:49,440 --> 00:37:51,880
Speaker 2: I probably think the car debt, we do, you know,

862
00:37:51,880 --> 00:37:54,479
Speaker 2: our ventual goal is to have you know, nice cars,

863
00:37:54,520 --> 00:37:56,440
Speaker 2: but not have the debt attached to it, So that

864
00:37:56,520 --> 00:37:58,000
Speaker 2: may take a few years for us to get to

865
00:37:58,040 --> 00:38:00,440
Speaker 2: that point. That would be where I would see us

866
00:38:00,440 --> 00:38:02,440
Speaker 2: moving into that a territory. You know.

867
00:38:03,000 --> 00:38:04,920
Speaker 4: Yeah, no, I totally get it. I want to be

868
00:38:05,000 --> 00:38:06,799
Speaker 4: a little bit pervy and go back and ask a

869
00:38:06,880 --> 00:38:10,080
Speaker 4: question that I completely forgot to ask talking about that

870
00:38:10,160 --> 00:38:13,160
Speaker 4: car debt, what kind of interest rate are you paying

871
00:38:13,239 --> 00:38:14,080
Speaker 4: on that car loan?

872
00:38:14,239 --> 00:38:17,239
Speaker 2: It was quite high, higher than I expected. I believe

873
00:38:17,280 --> 00:38:18,400
Speaker 2: it was eight to nine percent.

874
00:38:18,600 --> 00:38:21,320
Speaker 4: And do you know what the average rate of return

875
00:38:21,360 --> 00:38:22,759
Speaker 4: on the Australian share market is?

876
00:38:22,960 --> 00:38:25,759
Speaker 2: I do not, actually, Victorian, I probably should.

877
00:38:25,520 --> 00:38:28,400
Speaker 4: No, no, no, no, you shouldn't know. I'm the finance girlie,

878
00:38:28,480 --> 00:38:31,000
Speaker 4: not you. But my job is to educate you. And

879
00:38:31,239 --> 00:38:34,879
Speaker 4: if your car loan is eight to nine percent, now

880
00:38:34,920 --> 00:38:37,680
Speaker 4: this is not financial advice, This is just food for thought. Right,

881
00:38:38,120 --> 00:38:40,120
Speaker 4: If your car loan is eight to nine percent and

882
00:38:40,160 --> 00:38:44,160
Speaker 4: the Australian share market on average returns just over nine

883
00:38:44,280 --> 00:38:47,800
Speaker 4: percent per annum, do you think it might be worth

884
00:38:47,840 --> 00:38:50,800
Speaker 4: considering using some of that one hundred thousand dollars profit

885
00:38:51,280 --> 00:38:55,680
Speaker 4: to consider putting it towards your car loan to put

886
00:38:55,760 --> 00:38:59,239
Speaker 4: you ultimately in a better financial position. I'm not saying yes, no.

887
00:38:59,360 --> 00:39:02,000
Speaker 4: Maybe you have a financial advisor in the family. Maybe

888
00:39:02,000 --> 00:39:03,920
Speaker 4: that's a question for them. But I look at it

889
00:39:03,960 --> 00:39:06,600
Speaker 4: and I go, there might be some and I'm assuming

890
00:39:06,640 --> 00:39:09,759
Speaker 4: there's probably some emotional attachment to that hundred thousand dollar

891
00:39:09,800 --> 00:39:12,279
Speaker 4: profit and wanting to invest it for your future. But

892
00:39:12,360 --> 00:39:14,520
Speaker 4: what if you took the amount that you're paying off

893
00:39:14,560 --> 00:39:17,000
Speaker 4: on your car loan and started that as your investment stream.

894
00:39:17,400 --> 00:39:18,360
Speaker 4: Just food for thought.

895
00:39:18,560 --> 00:39:21,200
Speaker 2: Yeah, it's a really good point, and it's something we considered,

896
00:39:21,200 --> 00:39:24,160
Speaker 2: but you're one hundred percent right. I have left that

897
00:39:24,200 --> 00:39:26,640
Speaker 2: decision to my partner, and it is an emotional one

898
00:39:26,640 --> 00:39:30,680
Speaker 2: because it was his profit, his you know, emotional trauma.

899
00:39:30,680 --> 00:39:32,600
Speaker 2: That kind of you know, brought it about.

900
00:39:32,760 --> 00:39:34,960
Speaker 4: One hundred percent, and that's why I was like, but also,

901
00:39:35,000 --> 00:39:38,279
Speaker 4: there's probably an emotional overlay here, and you know, I

902
00:39:38,320 --> 00:39:41,480
Speaker 4: wanted to bring it up now because talking through these

903
00:39:41,520 --> 00:39:44,480
Speaker 4: things is not as simple as you might think. Like,

904
00:39:44,520 --> 00:39:47,400
Speaker 4: I'm pretty sure that someone somewhere was listening and they're like,

905
00:39:47,680 --> 00:39:49,719
Speaker 4: what are they doing? They've got one hundred grand sitting

906
00:39:49,719 --> 00:39:52,200
Speaker 4: in a savings account and have a car loan like

907
00:39:52,360 --> 00:39:55,080
Speaker 4: paid off but that's why I was like, hold on,

908
00:39:55,120 --> 00:39:56,400
Speaker 4: hold on, why haven't we done that?

909
00:39:56,560 --> 00:39:58,880
Speaker 2: Yeah, it's my partner feels comfortable with that as a

910
00:39:58,880 --> 00:40:02,400
Speaker 2: safety net. That's also we haven't invested it just yet either,

911
00:40:02,440 --> 00:40:06,200
Speaker 2: because we've had that for a year eighteen months now.

912
00:40:06,080 --> 00:40:08,360
Speaker 4: One hundred percent, and just knowing that tomorrow, if you

913
00:40:08,400 --> 00:40:10,160
Speaker 4: woke up and you're like, oh my gosh, we are

914
00:40:10,280 --> 00:40:12,839
Speaker 4: in a bigger financial pickle for some reason you lost

915
00:40:12,880 --> 00:40:15,439
Speaker 4: your jobs, you could extinguish that debt tomorrow. And that's

916
00:40:15,480 --> 00:40:18,960
Speaker 4: quite empowering. So I think that that is, you know,

917
00:40:19,040 --> 00:40:21,360
Speaker 4: obviously a very good position. The idea that you're having

918
00:40:21,480 --> 00:40:24,719
Speaker 4: kids hopefully soon, like that would also make me want

919
00:40:24,719 --> 00:40:26,400
Speaker 4: to sit on some cash through there are and I

920
00:40:26,400 --> 00:40:29,439
Speaker 4: guess that's where I wanted to lead this question. It's

921
00:40:29,520 --> 00:40:32,160
Speaker 4: just there are so many reasons why people keep debts,

922
00:40:32,560 --> 00:40:36,239
Speaker 4: and while the logical on paper answer would be why

923
00:40:36,320 --> 00:40:38,360
Speaker 4: don't you just get rid of it tomorrow? You could,

924
00:40:39,520 --> 00:40:43,160
Speaker 4: there's always this emotional overlay of, well, actually, we're trying

925
00:40:43,160 --> 00:40:45,040
Speaker 4: to live our life in line with our values and

926
00:40:45,040 --> 00:40:47,719
Speaker 4: how we feel most comfortable. We always need to take

927
00:40:47,719 --> 00:40:51,360
Speaker 4: that into consideration. So financial advice is not cut and

928
00:40:51,440 --> 00:40:53,759
Speaker 4: dry and I think that that is a very good

929
00:40:53,880 --> 00:40:55,319
Speaker 4: lesson to come out of this as well.

930
00:40:55,400 --> 00:40:57,720
Speaker 2: I agree one hundred percent, and it's something my partner's

931
00:40:57,719 --> 00:41:01,440
Speaker 2: taught me. My spreadsheets can't make all those kinds of decisions.

932
00:41:01,880 --> 00:41:04,520
Speaker 4: It's wild. It's so annoying, isn't it. Like I'm so

933
00:41:04,560 --> 00:41:07,560
Speaker 4: good at spreadsheets. Like if I could give you all

934
00:41:07,560 --> 00:41:11,239
Speaker 4: the answers, I absolutely would. Sadly I cannot, but moneyed arrest.

935
00:41:11,640 --> 00:41:14,600
Speaker 4: This has been a pleasure. I have adored this money conversation.

936
00:41:14,760 --> 00:41:18,120
Speaker 4: I've enjoyed so much learning about your money story. Unfortunately,

937
00:41:18,560 --> 00:41:21,840
Speaker 4: that is all we have time for today. But I

938
00:41:21,880 --> 00:41:24,440
Speaker 4: know that our community is going to love this as

939
00:41:24,560 --> 00:41:27,200
Speaker 4: much as I have loved it. I've just adored getting

940
00:41:27,200 --> 00:41:28,360
Speaker 4: to know you, so thank.

941
00:41:28,160 --> 00:41:29,560
Speaker 2: You, Thank you so much, Victoria.

942
00:41:35,960 --> 00:41:38,520
Speaker 4: The advice shared on She's on the Money is general

943
00:41:38,560 --> 00:41:42,440
Speaker 4: in nature and does not consider your individual circumstances. She's

944
00:41:42,480 --> 00:41:45,880
Speaker 4: on the Money exists purely for educational purposes and should

945
00:41:45,960 --> 00:41:49,120
Speaker 4: not be relied upon to make an investment or financial decision.

946
00:41:49,520 --> 00:41:51,960
Speaker 4: If you do choose to buy a financial product, read

947
00:41:52,000 --> 00:41:56,160
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

948
00:41:56,160 --> 00:41:59,440
Speaker 4: your needs. Victoria divine and she's on the money. Are

949
00:41:59,520 --> 00:42:02,920
Speaker 4: authorized representatives of money sherper P, T y L t

950
00:42:03,040 --> 00:42:05,799
Speaker 4: D A b N three two one six four nine

951
00:42:05,920 --> 00:42:08,879
Speaker 4: two seven seven zero eight a F s L four

952
00:42:08,960 --> 00:42:12,040
Speaker 4: five one two eight nine