1
00:00:00,200 --> 00:00:19,440
Speaker 1: She's on the Money. She's on the Money.

2
00:00:23,239 --> 00:00:26,240
Speaker 2: Hello, and welcome to She's on the Money, the podcast

3
00:00:26,280 --> 00:00:29,680
Speaker 2: for millennials who want financial freedom. Welcome back to another

4
00:00:29,720 --> 00:00:32,000
Speaker 2: shop back Money Diary Monday, where we get to have

5
00:00:32,000 --> 00:00:34,800
Speaker 2: a chat with one of our beautiful community members, learn

6
00:00:34,800 --> 00:00:38,000
Speaker 2: about them, learn about their money story. I have a

7
00:00:38,040 --> 00:00:39,760
Speaker 2: good one for you this week. Are you excited?

8
00:00:40,200 --> 00:00:42,720
Speaker 3: I am very excited. Do you want to tell me

9
00:00:42,760 --> 00:00:43,599
Speaker 3: a little bit about it?

10
00:00:44,000 --> 00:00:44,720
Speaker 2: Absolutely?

11
00:00:44,920 --> 00:00:45,000
Speaker 4: So.

12
00:00:45,120 --> 00:00:48,360
Speaker 2: This week's Diarra said, I've gone from one hundred to zero,

13
00:00:48,479 --> 00:00:51,280
Speaker 2: and I'm slowly climbing my way back from running my

14
00:00:51,360 --> 00:00:53,279
Speaker 2: own business to having to give it all up due

15
00:00:53,320 --> 00:00:56,800
Speaker 2: to emotional and financial abuse, draining my emergency funds and

16
00:00:56,840 --> 00:00:59,720
Speaker 2: putting pause on my studies. I finally scraped back to

17
00:00:59,720 --> 00:01:02,200
Speaker 2: the so of having my life back and I'm creating

18
00:01:02,240 --> 00:01:04,040
Speaker 2: a fresh new path for myself.

19
00:01:04,560 --> 00:01:07,360
Speaker 3: What that sounds like a crazy good story?

20
00:01:07,640 --> 00:01:11,160
Speaker 2: Absolutely, I'm so excited to hear more. So Hello to

21
00:01:11,240 --> 00:01:12,600
Speaker 2: our money diarist. How are you?

22
00:01:12,880 --> 00:01:13,119
Speaker 4: Yes?

23
00:01:13,120 --> 00:01:13,560
Speaker 1: Hello?

24
00:01:14,160 --> 00:01:16,760
Speaker 3: They just stay really quiet while we do our little intro.

25
00:01:17,840 --> 00:01:20,559
Speaker 3: You're welcome. Thank you for hanging out in the background,

26
00:01:20,640 --> 00:01:23,200
Speaker 3: Money Dirist. I'm really excited to learn more about your

27
00:01:23,200 --> 00:01:26,720
Speaker 3: money story. But as always, we are going to start

28
00:01:26,760 --> 00:01:29,679
Speaker 3: this episode off with our structured questions so that we

29
00:01:29,720 --> 00:01:32,760
Speaker 3: can get on the same page. So let's dive straight

30
00:01:32,800 --> 00:01:36,880
Speaker 3: in money, darist, what is your attitude towards money?

31
00:01:37,959 --> 00:01:39,399
Speaker 2: I'd say, I.

32
00:01:39,400 --> 00:01:40,759
Speaker 4: Don't know how you answer it with it just one

33
00:01:40,760 --> 00:01:43,679
Speaker 4: word or just go on, but I guess I'm pretty

34
00:01:44,080 --> 00:01:47,640
Speaker 4: frugal with money. Like growing up, my parents were both

35
00:01:47,720 --> 00:01:50,840
Speaker 4: really bad with money, and I watched that from the sidelines,

36
00:01:50,840 --> 00:01:53,240
Speaker 4: and I remember when I was probably I must have

37
00:01:53,320 --> 00:01:56,240
Speaker 4: been sixteen, I got my first job, oh fifteen, and

38
00:01:56,760 --> 00:01:57,720
Speaker 4: I remember seeing my mom.

39
00:01:57,760 --> 00:01:58,720
Speaker 2: She had credit card and it.

40
00:01:58,760 --> 00:02:00,320
Speaker 4: Just keept racking up and up and up up, and

41
00:02:00,320 --> 00:02:01,880
Speaker 4: I was like, I never ever want to be like that,

42
00:02:01,920 --> 00:02:03,960
Speaker 4: Like I never want to have a credit card, never

43
00:02:04,000 --> 00:02:06,800
Speaker 4: want to have a big loan to buy things, which

44
00:02:06,840 --> 00:02:12,240
Speaker 4: spoiler alert did happen. But yeah, so yeah, I'm really

45
00:02:13,360 --> 00:02:16,840
Speaker 4: really big into budgeting as well. So yeah, that's I

46
00:02:16,880 --> 00:02:17,880
Speaker 4: guess that's that's it.

47
00:02:18,400 --> 00:02:21,800
Speaker 3: What about seeing your mum with a credit card made

48
00:02:21,800 --> 00:02:24,680
Speaker 3: you go I don't want that, because some people see

49
00:02:24,680 --> 00:02:27,440
Speaker 3: their parents with credit cards, and I guess the apple

50
00:02:27,480 --> 00:02:29,400
Speaker 3: then doesn't fall far from the tree and they go, well,

51
00:02:29,400 --> 00:02:31,799
Speaker 3: that second nature, like, mum had a credit card, I'll

52
00:02:31,800 --> 00:02:35,000
Speaker 3: get a credit card. What was in your mind when

53
00:02:35,040 --> 00:02:36,360
Speaker 3: you were like, I don't want that.

54
00:02:36,600 --> 00:02:38,680
Speaker 4: Well, I guess because she was a single mum raising

55
00:02:38,680 --> 00:02:40,560
Speaker 4: me and my brother, and so she used to use

56
00:02:40,600 --> 00:02:44,480
Speaker 4: it to buy things like like books and stuff for school,

57
00:02:44,560 --> 00:02:47,200
Speaker 4: and then if she wanted to get us some clothes

58
00:02:47,280 --> 00:02:49,639
Speaker 4: or something, she'd use it. But then I remember one

59
00:02:49,680 --> 00:02:51,640
Speaker 4: time she decided to just go on a big spending

60
00:02:51,680 --> 00:02:54,720
Speaker 4: splurge and she racked up her debts so high that

61
00:02:54,800 --> 00:02:56,720
Speaker 4: when it came to paying it off because she wasn't working,

62
00:02:57,200 --> 00:02:59,720
Speaker 4: she got herself in quite a big predicament. And then

63
00:02:59,720 --> 00:03:04,240
Speaker 4: she was kind of how does the saying going robbing Peter.

64
00:03:04,120 --> 00:03:05,079
Speaker 2: To pay Paul?

65
00:03:05,360 --> 00:03:05,680
Speaker 3: Yes?

66
00:03:05,960 --> 00:03:08,360
Speaker 4: Yeah, And so I just remember like when she was

67
00:03:08,400 --> 00:03:11,239
Speaker 4: in that state, I was like, oh, it's I'd never

68
00:03:11,320 --> 00:03:15,400
Speaker 4: want to be so hard up with money that I

69
00:03:15,440 --> 00:03:16,680
Speaker 4: don't actually own.

70
00:03:17,560 --> 00:03:21,400
Speaker 3: So yeah, yeah, yeah, that makes absolute sense. And it's

71
00:03:21,520 --> 00:03:25,239
Speaker 3: interesting to see that that, I guess was an experience

72
00:03:25,280 --> 00:03:27,720
Speaker 3: that you got to see and learn from and go no,

73
00:03:27,840 --> 00:03:31,080
Speaker 3: thank you, thank you, though not for me. All right,

74
00:03:31,320 --> 00:03:35,280
Speaker 3: Next question, my friend, perfect question. What do you do

75
00:03:35,360 --> 00:03:36,960
Speaker 3: for work? How much money do you earn.

76
00:03:37,880 --> 00:03:42,320
Speaker 4: So I'm a bookkeeper by like a title for a company,

77
00:03:42,440 --> 00:03:44,960
Speaker 4: but I kind of manage everything in the company. So

78
00:03:45,000 --> 00:03:47,520
Speaker 4: if there's a problem, I sort it. If I need

79
00:03:47,520 --> 00:03:50,080
Speaker 4: to pay customers, I sort it. If I need to

80
00:03:50,160 --> 00:03:51,600
Speaker 4: chase them up. So I do a bit more than

81
00:03:51,720 --> 00:03:55,320
Speaker 4: what the role is. And I earn fifty four thousand

82
00:03:55,320 --> 00:03:55,640
Speaker 4: a year.

83
00:03:56,080 --> 00:03:59,240
Speaker 3: Oh my gosh. And to contextualize that, that is fifty

84
00:03:59,240 --> 00:04:03,480
Speaker 3: four thousand News Zealand dollars. Because you're one of our

85
00:04:03,480 --> 00:04:06,240
Speaker 3: friends from across the ditch, am I runt Leney diarist?

86
00:04:06,920 --> 00:04:07,920
Speaker 4: Yes, yes, I am.

87
00:04:08,360 --> 00:04:10,520
Speaker 3: Can you give us a little bit of context though?

88
00:04:10,640 --> 00:04:13,680
Speaker 3: Is that a standard salary? Is that a high salary? Like,

89
00:04:13,800 --> 00:04:17,039
Speaker 3: we don't live in New Zealand. What do salaries in

90
00:04:17,080 --> 00:04:20,200
Speaker 3: New Zealand look like in comparison to Australia, Because obviously

91
00:04:20,279 --> 00:04:22,320
Speaker 3: you would hear it on the podcast affair Bit what

92
00:04:22,360 --> 00:04:23,080
Speaker 3: people are running.

93
00:04:23,640 --> 00:04:28,599
Speaker 4: It's probably like the entry into full time work level.

94
00:04:28,839 --> 00:04:31,960
Speaker 4: So I guess if you were if you were qualified

95
00:04:32,000 --> 00:04:35,400
Speaker 4: with a degree in doing something, you'd probably be more

96
00:04:35,400 --> 00:04:38,960
Speaker 4: on like the seventy thousand threshold. Yep, yeah, just like

97
00:04:39,000 --> 00:04:40,760
Speaker 4: an intraductory kind of.

98
00:04:40,880 --> 00:04:43,360
Speaker 3: Yeah, yeah, I like that And I'm only asking because

99
00:04:43,360 --> 00:04:45,599
Speaker 3: I'm like, oh, is it the same? Is it different?

100
00:04:45,760 --> 00:04:48,039
Speaker 3: I know other people listening are going to be thinking that.

101
00:04:48,800 --> 00:04:53,600
Speaker 3: So next question, money, darist, what's your big money goal

102
00:04:53,640 --> 00:04:54,240
Speaker 3: at the moment.

103
00:04:54,520 --> 00:04:57,080
Speaker 4: So biggest goal would be to buy a little farm

104
00:04:57,120 --> 00:04:57,799
Speaker 4: with my partner.

105
00:04:58,160 --> 00:05:02,000
Speaker 2: A little farm. Oh my gosh. I thought you were.

106
00:05:01,880 --> 00:05:03,760
Speaker 3: Going to say a little house, and then you said

107
00:05:03,800 --> 00:05:04,560
Speaker 3: a little farm.

108
00:05:05,400 --> 00:05:08,320
Speaker 4: No, no, no, no, definitely a little house on a little

109
00:05:08,320 --> 00:05:09,320
Speaker 4: farm would be nice.

110
00:05:09,400 --> 00:05:12,320
Speaker 3: Oh so sweet? Why a farm? Is that how your

111
00:05:12,320 --> 00:05:14,240
Speaker 3: partner does or what's going on?

112
00:05:14,839 --> 00:05:21,680
Speaker 4: So he's a stock manager on a two thousand acre station.

113
00:05:22,320 --> 00:05:22,640
Speaker 3: Wow?

114
00:05:23,120 --> 00:05:23,400
Speaker 2: Yeah.

115
00:05:23,440 --> 00:05:26,880
Speaker 4: So we're on the high country. We're basically on the

116
00:05:26,880 --> 00:05:29,120
Speaker 4: side of a mountain and then there's a river, and

117
00:05:29,160 --> 00:05:30,120
Speaker 4: then there's another mountain.

118
00:05:30,800 --> 00:05:33,320
Speaker 3: Oh so sweet. And you guys are going to buy

119
00:05:33,360 --> 00:05:35,320
Speaker 3: a little farm to live on while he still does

120
00:05:35,400 --> 00:05:36,440
Speaker 3: that type of work.

121
00:05:36,920 --> 00:05:39,599
Speaker 4: Eventually, I think, just start with the little farm and

122
00:05:39,760 --> 00:05:41,760
Speaker 4: also have been working, and then rent out the little

123
00:05:41,800 --> 00:05:43,839
Speaker 4: house that'll be on it, but work the land. Yeah,

124
00:05:43,839 --> 00:05:47,160
Speaker 4: and then eventually buy a bigger piece of land.

125
00:05:47,680 --> 00:05:49,920
Speaker 3: Oh that's so exciting. Are you going to have pets?

126
00:05:49,960 --> 00:05:52,479
Speaker 3: That's a very important question. This is she's on the money.

127
00:05:52,680 --> 00:05:54,000
Speaker 4: We already have pets.

128
00:05:54,400 --> 00:05:56,120
Speaker 3: Oh my gosh, how many pets have you got? That's

129
00:05:56,200 --> 00:05:56,840
Speaker 3: very important.

130
00:05:57,560 --> 00:06:00,440
Speaker 4: So I've got three horses and a dog, and he's

131
00:06:00,440 --> 00:06:01,200
Speaker 4: got five dogs.

132
00:06:01,360 --> 00:06:03,719
Speaker 3: Oh that would impact the budget, would it not?

133
00:06:04,920 --> 00:06:09,360
Speaker 4: The horses, yes, these dogs expensive? Yeah, the dogs No,

134
00:06:09,440 --> 00:06:11,800
Speaker 4: because the dogs are like a working expense, so they're

135
00:06:11,800 --> 00:06:13,120
Speaker 4: actually covered by his boss.

136
00:06:13,320 --> 00:06:16,400
Speaker 3: Oh how good. I've got lots of questions about that.

137
00:06:16,440 --> 00:06:19,000
Speaker 3: We will come back to that because I think we'll

138
00:06:19,040 --> 00:06:21,280
Speaker 3: get completely off track. And Jess is looking at me like,

139
00:06:21,279 --> 00:06:21,960
Speaker 3: what are you doing?

140
00:06:22,520 --> 00:06:22,960
Speaker 1: All right?

141
00:06:23,320 --> 00:06:27,200
Speaker 3: Next question is do you currently have any investments money, diarist?

142
00:06:27,440 --> 00:06:30,000
Speaker 4: I do so. I have five hundred dollars in Chasia's

143
00:06:30,240 --> 00:06:35,960
Speaker 4: just a little like dipping my toes out. And I

144
00:06:36,000 --> 00:06:38,440
Speaker 4: have Kiwi saber over here in Stitisty of Granulation, and

145
00:06:38,480 --> 00:06:39,760
Speaker 4: I have twenty one thousand.

146
00:06:40,520 --> 00:06:44,560
Speaker 3: Oh wow, but you're so young. Yeah, I'm very impressed

147
00:06:44,600 --> 00:06:48,680
Speaker 3: with you. All right. Next question money, diarist, Do you

148
00:06:48,720 --> 00:06:50,839
Speaker 3: currently have any debts?

149
00:06:51,120 --> 00:06:54,960
Speaker 4: I do. I have a personal loan. It's twenty three thousand,

150
00:06:55,600 --> 00:06:59,039
Speaker 4: and I got it for a truck for when I

151
00:06:59,120 --> 00:07:01,120
Speaker 4: had my business was up and running and going. I

152
00:07:01,160 --> 00:07:04,760
Speaker 4: needed a workhorse like it's a vehicle.

153
00:07:04,960 --> 00:07:05,760
Speaker 2: Yeah pretty much.

154
00:07:05,839 --> 00:07:08,360
Speaker 4: Yeah, yeah, so that's the only that's the only dead

155
00:07:08,400 --> 00:07:08,800
Speaker 4: I've got.

156
00:07:08,880 --> 00:07:11,360
Speaker 3: When you say I needed a truck, that makes me

157
00:07:11,400 --> 00:07:13,440
Speaker 3: want to ask what was your business? What type of

158
00:07:13,440 --> 00:07:16,840
Speaker 3: business were you running? Where this gorgeous woman that I'm

159
00:07:16,880 --> 00:07:18,160
Speaker 3: looking at needs a truck?

160
00:07:19,520 --> 00:07:22,280
Speaker 4: So I was training horses, So I needed something that

161
00:07:22,320 --> 00:07:23,560
Speaker 4: could pull and toe?

162
00:07:24,640 --> 00:07:28,000
Speaker 3: Yeah, how exciting? All right, Sorry, Jess, I'm getting off

163
00:07:28,040 --> 00:07:31,720
Speaker 3: track again and again. The next question is do you

164
00:07:31,880 --> 00:07:32,760
Speaker 3: use shop back?

165
00:07:33,440 --> 00:07:34,680
Speaker 2: No?

166
00:07:34,680 --> 00:07:37,080
Speaker 3: No, you're in New Zealand, but come on, why not?

167
00:07:37,400 --> 00:07:39,440
Speaker 4: I really hate shopping.

168
00:07:39,840 --> 00:07:40,520
Speaker 2: So that's fair.

169
00:07:41,000 --> 00:07:45,520
Speaker 3: Okay, that's absolutely fair. It's not your vibe. We respect that.

170
00:07:46,160 --> 00:07:49,120
Speaker 3: It's interesting asking people what they do and how it

171
00:07:49,200 --> 00:07:52,080
Speaker 3: works and getting to know what their money story is,

172
00:07:52,120 --> 00:07:54,960
Speaker 3: but also like who they are personally. So it makes sense.

173
00:07:55,000 --> 00:07:57,320
Speaker 3: If you don't like shopping, why would you be using

174
00:07:57,400 --> 00:07:58,440
Speaker 3: a shopping app?

175
00:07:58,960 --> 00:08:01,800
Speaker 4: Like it makes sense. That sounds really cool. But I

176
00:08:01,840 --> 00:08:04,239
Speaker 4: don't shop enough to even warrant online shopping.

177
00:08:04,600 --> 00:08:08,200
Speaker 3: Yeah, that's very fair. So I've got a sneaky decision

178
00:08:08,280 --> 00:08:11,520
Speaker 3: that you might have maybe a couple of good money habits.

179
00:08:11,560 --> 00:08:14,720
Speaker 3: So money Diarist, what are your best money habits?

180
00:08:15,320 --> 00:08:17,560
Speaker 4: I'm a bit of a spreadsheet junkie. So I'm really

181
00:08:17,640 --> 00:08:20,600
Speaker 4: good with my budgets and keeping to the budget, and

182
00:08:20,800 --> 00:08:24,840
Speaker 4: every it's probably every five or six weeks I recalculate

183
00:08:24,880 --> 00:08:27,800
Speaker 4: my budget with however my average earnings is going because

184
00:08:27,840 --> 00:08:32,760
Speaker 4: some weeks I'm paid like hourly, so not a salary.

185
00:08:33,559 --> 00:08:35,880
Speaker 4: So I, yeah, recalculate the budget whenever I need to.

186
00:08:35,920 --> 00:08:38,520
Speaker 4: So that's probably my best money habit. And also being

187
00:08:38,600 --> 00:08:41,560
Speaker 4: quite frugal, like I don't feel the need to go

188
00:08:41,600 --> 00:08:43,439
Speaker 4: out and buy a coffee or I mean, I live

189
00:08:43,480 --> 00:08:45,280
Speaker 4: an hour away from the shop, so I can't really

190
00:08:45,280 --> 00:08:47,560
Speaker 4: do anything anyway, which is that's fair?

191
00:08:47,800 --> 00:08:50,240
Speaker 3: That really does mean that you are forced to put

192
00:08:50,240 --> 00:08:52,840
Speaker 3: some time between you and your spending, whereas for me

193
00:08:52,920 --> 00:08:56,400
Speaker 3: it's a little more accessible and sometimes a little bit

194
00:08:56,440 --> 00:09:03,319
Speaker 3: of a slippery slope. Al Right, next question in comparison money, Dariss,

195
00:09:03,559 --> 00:09:05,400
Speaker 3: what is your worst money habit.

196
00:09:05,600 --> 00:09:09,400
Speaker 4: It's a little bit contradictory, but my birthday month is terrible.

197
00:09:09,720 --> 00:09:12,840
Speaker 4: Like I'm just treat myself wherever I go, whenever I go,

198
00:09:13,400 --> 00:09:16,680
Speaker 4: it's like it's my birthday month pretty much. Yeah, I

199
00:09:16,800 --> 00:09:19,280
Speaker 4: just love to splurge on my birthday.

200
00:09:19,600 --> 00:09:23,960
Speaker 3: That yeah, So what does splurge mean to you, Oh,

201
00:09:24,160 --> 00:09:27,319
Speaker 3: probably like going and getting coffees and lunches and takeaways,

202
00:09:27,360 --> 00:09:30,960
Speaker 3: and so it's not going out buying like big designer bags.

203
00:09:31,080 --> 00:09:35,640
Speaker 3: It's not going on like overseas holidays like because splurge

204
00:09:35,679 --> 00:09:37,640
Speaker 3: could mean a lot of different things to a lot

205
00:09:37,679 --> 00:09:40,320
Speaker 3: of different people. And that's actually a really fun question

206
00:09:40,400 --> 00:09:43,200
Speaker 3: to ask because you're like, oh, it's coffee. So I'm like,

207
00:09:43,240 --> 00:09:45,000
Speaker 3: hold up, hold up, what do you mean.

208
00:09:45,520 --> 00:09:47,920
Speaker 4: If you'd ask me when I was like seventeen eighteen,

209
00:09:47,920 --> 00:09:49,720
Speaker 4: I would have sit overseas trips. I used to always

210
00:09:49,720 --> 00:09:53,559
Speaker 4: go overseas, whether it was to Europe or to Australia

211
00:09:53,720 --> 00:09:56,280
Speaker 4: or wherever. But then I got a little bit older

212
00:09:56,280 --> 00:09:58,960
Speaker 4: and realized I needed to be a little bit more

213
00:09:59,559 --> 00:10:02,719
Speaker 4: saving my money than splurging on going Italy or.

214
00:10:03,360 --> 00:10:05,640
Speaker 3: Oh my gosh, no, I totally get that, and also

215
00:10:05,760 --> 00:10:07,520
Speaker 3: just feel like there's been something going on over the

216
00:10:07,640 --> 00:10:10,439
Speaker 3: last two years it's really stopped us from being able

217
00:10:10,480 --> 00:10:13,640
Speaker 3: to access overseas travel. I can't remember what it was.

218
00:10:13,920 --> 00:10:16,720
Speaker 3: But last question before we go to a quick break

219
00:10:16,800 --> 00:10:19,000
Speaker 3: and get into a lot of perfect questions that I

220
00:10:19,040 --> 00:10:21,520
Speaker 3: have for you, if we've forced you to give yourself

221
00:10:21,559 --> 00:10:23,520
Speaker 3: a money grade, what would you grade yourself?

222
00:10:23,640 --> 00:10:29,160
Speaker 4: I probably go with a bush why. I think like,

223
00:10:29,240 --> 00:10:32,160
Speaker 4: with the circumstances I've gone through in the last kind

224
00:10:32,200 --> 00:10:35,800
Speaker 4: of twelve months, I would be a higher grade if

225
00:10:35,840 --> 00:10:39,240
Speaker 4: I hadn't had to go through a lot of my funds.

226
00:10:39,240 --> 00:10:41,240
Speaker 4: But at the same time I had those funds there,

227
00:10:41,320 --> 00:10:43,120
Speaker 4: So yeah.

228
00:10:42,679 --> 00:10:45,600
Speaker 3: That makes absolute sense. Now let's go to a quick break,

229
00:10:45,600 --> 00:10:47,440
Speaker 3: and then I want to get into why you have

230
00:10:47,520 --> 00:10:49,920
Speaker 3: been spending a little bit more over the last twelve months.

231
00:10:49,960 --> 00:10:53,559
Speaker 3: Don't go anywhere, all right, we are back money diarist.

232
00:10:53,800 --> 00:10:57,240
Speaker 3: You have such an interesting story to tell that. I

233
00:10:57,360 --> 00:10:59,800
Speaker 3: don't feel like we got a lot about in the

234
00:10:59,840 --> 00:11:03,880
Speaker 3: structured questions, but you did allude to having gone through

235
00:11:03,880 --> 00:11:06,000
Speaker 3: a few things in the last twelve months, and that

236
00:11:06,320 --> 00:11:09,400
Speaker 3: maybe you've spent a bit more and maybe not been

237
00:11:09,440 --> 00:11:11,800
Speaker 3: as good with money as you would like to have been.

238
00:11:12,640 --> 00:11:14,959
Speaker 3: Tell us why, what's been going on?

239
00:11:15,400 --> 00:11:18,040
Speaker 4: So? I grew up, like I said earlier, I grew

240
00:11:18,120 --> 00:11:20,160
Speaker 4: up with my mum and she's a single mum, and

241
00:11:20,280 --> 00:11:22,199
Speaker 4: unfortunately she kind of used me and my brother as

242
00:11:22,240 --> 00:11:25,240
Speaker 4: her emotional outlet. And as time went on, we both

243
00:11:25,280 --> 00:11:28,880
Speaker 4: got jobs quite young. So about fifteen sixteen and then

244
00:11:28,880 --> 00:11:31,680
Speaker 4: she started using us as a bit of a financial outlet.

245
00:11:32,000 --> 00:11:36,600
Speaker 4: So when I was probably about seventeen, we started splitting

246
00:11:36,679 --> 00:11:38,840
Speaker 4: all the bills like we were flatmates, so power Internet,

247
00:11:38,920 --> 00:11:43,680
Speaker 4: we did our own groceries, and fast forwarding onto a

248
00:11:43,679 --> 00:11:45,760
Speaker 4: couple years ago, my brother had kind of had enough

249
00:11:45,800 --> 00:11:48,080
Speaker 4: so he moved out and then the load kind of

250
00:11:48,080 --> 00:11:48,680
Speaker 4: fell onto me.

251
00:11:49,480 --> 00:11:50,000
Speaker 3: Wow.

252
00:11:50,200 --> 00:11:53,480
Speaker 4: Yeah, but at the time it was a little bit

253
00:11:53,640 --> 00:11:57,320
Speaker 4: like I was seeing everything through tinted glasses, Like I

254
00:11:57,360 --> 00:11:59,840
Speaker 4: wasn't really seeing that her behaviors weren't normal, because that's

255
00:11:59,880 --> 00:12:03,520
Speaker 4: all I even knew. Yeah, we actually made a really

256
00:12:03,559 --> 00:12:06,079
Speaker 4: big move from the top of New Zealand to the

257
00:12:06,120 --> 00:12:09,440
Speaker 4: bottom of New Zealand. And when we got down, I

258
00:12:09,520 --> 00:12:13,000
Speaker 4: started my own horse training business because we got facilities,

259
00:12:13,040 --> 00:12:15,480
Speaker 4: we got a big property, and it was all fine

260
00:12:16,040 --> 00:12:18,680
Speaker 4: when I was paying her to run the business on

261
00:12:18,760 --> 00:12:21,480
Speaker 4: the property and I was still living at home at

262
00:12:21,480 --> 00:12:24,280
Speaker 4: this point, but again like we were kind of living separately.

263
00:12:25,080 --> 00:12:29,360
Speaker 4: And then after about twelve months, my business started to

264
00:12:29,440 --> 00:12:31,679
Speaker 4: really ramp up and I was getting heaps and heaps

265
00:12:31,679 --> 00:12:34,560
Speaker 4: of clients coming through and she, I don't know if

266
00:12:34,600 --> 00:12:38,160
Speaker 4: it was stealing her limelight with like the community around us,

267
00:12:38,920 --> 00:12:41,280
Speaker 4: so she started charging me more and more, and then

268
00:12:41,280 --> 00:12:42,679
Speaker 4: it got to a day where she just kind of

269
00:12:42,720 --> 00:12:44,120
Speaker 4: put her hands in the air and said, no, you

270
00:12:44,120 --> 00:12:48,000
Speaker 4: can't run your business here anymore. And so I had

271
00:12:48,040 --> 00:12:51,800
Speaker 4: to close off my business in two thousand and at

272
00:12:51,800 --> 00:12:53,800
Speaker 4: the end of twenty twenty, so we'd come out of

273
00:12:53,800 --> 00:12:54,800
Speaker 4: lockdowns and everything.

274
00:12:55,240 --> 00:12:57,880
Speaker 3: Wow. So you had to close it down, puly because

275
00:12:57,920 --> 00:13:00,080
Speaker 3: your mum was like, no, you can't do it.

276
00:13:00,160 --> 00:13:04,600
Speaker 4: Yeah, because yeah, because without somewhere to do it, Yeah,

277
00:13:04,640 --> 00:13:06,480
Speaker 4: I couldn't run it. And like I did try to

278
00:13:06,559 --> 00:13:09,320
Speaker 4: do the traveling two people thing, but it just didn't

279
00:13:09,440 --> 00:13:12,080
Speaker 4: really work because there wasn't enough hours in the day

280
00:13:12,679 --> 00:13:14,400
Speaker 4: for it to be profitable because I was still working

281
00:13:14,480 --> 00:13:15,880
Speaker 4: full time on the side. Yeah.

282
00:13:16,080 --> 00:13:19,120
Speaker 3: Wow, So you weren't able to continue it purely because

283
00:13:19,120 --> 00:13:21,880
Speaker 3: your mum was like, nope, not having it anymore. And

284
00:13:22,160 --> 00:13:24,160
Speaker 3: I guess from your perspective that didn't have a lot

285
00:13:24,200 --> 00:13:26,600
Speaker 3: to do with the fact that she needed the space.

286
00:13:26,720 --> 00:13:29,000
Speaker 3: It was more she just didn't like that you were

287
00:13:29,000 --> 00:13:33,600
Speaker 3: potentially being so successful, which is very hard to swallow.

288
00:13:33,760 --> 00:13:37,920
Speaker 3: I'm assuming from your perspective, because I would again assume

289
00:13:38,040 --> 00:13:40,840
Speaker 3: and these are all assumptions, So you're the one telling

290
00:13:40,840 --> 00:13:43,600
Speaker 3: the story here. But I'm assuming that might not have

291
00:13:43,679 --> 00:13:46,640
Speaker 3: been the first time, because usually that type of behavior

292
00:13:46,840 --> 00:13:49,760
Speaker 3: is an ongoing type of behavior. So is that something

293
00:13:49,760 --> 00:13:51,320
Speaker 3: you'd experienced historically?

294
00:13:51,720 --> 00:13:55,560
Speaker 4: Yeah, definitely. When I left high school, well, actually my

295
00:13:55,600 --> 00:13:58,240
Speaker 4: final year of high school, I was working twenty six

296
00:13:58,280 --> 00:14:01,000
Speaker 4: hours a week on top of school just to kind

297
00:14:01,040 --> 00:14:02,640
Speaker 4: of pay my way. And then I said, oh, I

298
00:14:02,640 --> 00:14:04,439
Speaker 4: want to go to university, and she's like, well, how

299
00:14:04,440 --> 00:14:07,600
Speaker 4: do you expect to bring in enough money and also

300
00:14:07,679 --> 00:14:09,280
Speaker 4: go to uni? So it was kind of like a

301
00:14:09,360 --> 00:14:12,760
Speaker 4: shutdown before I could get there type of thing. And

302
00:14:12,800 --> 00:14:16,880
Speaker 4: then at the end of twenty twenty, I decided that

303
00:14:16,920 --> 00:14:19,320
Speaker 4: I would study from home. And again it was kind

304
00:14:19,360 --> 00:14:21,440
Speaker 4: of one of those things of why would you bother

305
00:14:21,680 --> 00:14:23,680
Speaker 4: you need to work full time, like you don't have

306
00:14:23,720 --> 00:14:26,320
Speaker 4: the time, you don't have the resources. So it's definitely

307
00:14:26,400 --> 00:14:28,880
Speaker 4: not the first time. With the business, it kind of

308
00:14:29,000 --> 00:14:32,560
Speaker 4: it's always been like a block in the stepping stones

309
00:14:32,560 --> 00:14:34,840
Speaker 4: of getting anywhere, and you know, just to.

310
00:14:34,800 --> 00:14:37,200
Speaker 3: Be a little bit pervy because if not pervy, are

311
00:14:37,240 --> 00:14:41,040
Speaker 3: we even money diaries? Where do you think that came from? Like,

312
00:14:41,240 --> 00:14:43,640
Speaker 3: you know, obviously you're anonymous, So this is a space

313
00:14:43,680 --> 00:14:45,400
Speaker 3: where I can be like, well, what did your mum

314
00:14:45,400 --> 00:14:47,560
Speaker 3: do for work and how did that work? And where

315
00:14:47,720 --> 00:14:49,720
Speaker 3: is this come from? Like why do you think she's

316
00:14:49,760 --> 00:14:52,360
Speaker 3: put so much pressure on her kids? Was it literally

317
00:14:52,400 --> 00:14:56,160
Speaker 3: out of necessity? Because I totally can understand some families

318
00:14:56,200 --> 00:14:58,520
Speaker 3: are in the position where do you know what financially

319
00:14:59,040 --> 00:15:02,040
Speaker 3: we are struggling and we really need help. But where

320
00:15:02,040 --> 00:15:03,720
Speaker 3: do you think this has come from? And how has

321
00:15:03,800 --> 00:15:04,640
Speaker 3: this popped up?

322
00:15:04,760 --> 00:15:07,520
Speaker 4: Well, it definitely there's like a one solid reason. So

323
00:15:07,920 --> 00:15:11,120
Speaker 4: my dad it was also very terrible with money, and

324
00:15:11,720 --> 00:15:15,280
Speaker 4: he would mortgage against our mortgage and then he got

325
00:15:15,280 --> 00:15:17,800
Speaker 4: a cave it against our house and he went into liquidation.

326
00:15:18,520 --> 00:15:20,800
Speaker 4: He went bankrupt. And I think all of that made

327
00:15:20,840 --> 00:15:23,320
Speaker 4: her go, well, the money's not there, so I need

328
00:15:23,360 --> 00:15:25,800
Speaker 4: to get the money from someone. You can't stop working

329
00:15:25,880 --> 00:15:27,400
Speaker 4: because we need the money.

330
00:15:27,560 --> 00:15:32,000
Speaker 3: Yeah okay. And at any point did you go this

331
00:15:32,240 --> 00:15:34,200
Speaker 3: isn't normal or was that just okay?

332
00:15:34,280 --> 00:15:34,520
Speaker 1: Yep?

333
00:15:34,640 --> 00:15:36,480
Speaker 3: Like we're a family, this is what we do. And

334
00:15:37,000 --> 00:15:39,520
Speaker 3: how has that changed your money story?

335
00:15:39,600 --> 00:15:39,760
Speaker 4: Now?

336
00:15:39,880 --> 00:15:42,240
Speaker 3: Because I know from what you said in your email,

337
00:15:42,360 --> 00:15:45,720
Speaker 3: you're not in that situation anymore. So what's going on

338
00:15:45,840 --> 00:15:47,840
Speaker 3: and how did that work? And how did it all

339
00:15:47,840 --> 00:15:50,960
Speaker 3: come to a head and get discussed. Maybe it never

340
00:15:51,080 --> 00:15:54,800
Speaker 3: really got discussed per se. I mean it was always

341
00:15:55,000 --> 00:15:57,200
Speaker 3: very open and common knowledge between all of us what

342
00:15:57,360 --> 00:15:59,680
Speaker 3: was going on, which is growing up was quite good,

343
00:15:59,680 --> 00:16:01,800
Speaker 3: but it was also a lot of weight on your

344
00:16:01,800 --> 00:16:04,480
Speaker 3: shoulders and knowing that a lot of my friends at

345
00:16:04,480 --> 00:16:07,360
Speaker 3: school weren't going through the same thing, but that I

346
00:16:07,400 --> 00:16:09,960
Speaker 3: couldn't kind of go well with me because it wasn't

347
00:16:10,000 --> 00:16:12,920
Speaker 3: going to get us out of the situation. I just

348
00:16:12,960 --> 00:16:16,960
Speaker 3: think over time, you just let it be what it is.

349
00:16:17,800 --> 00:16:21,040
Speaker 3: If that makes sense, No, that makes absolute sense. How

350
00:16:21,080 --> 00:16:23,400
Speaker 3: has that impacted you? You said before, you've got a

351
00:16:23,440 --> 00:16:25,920
Speaker 3: partner and you know you're saving for a home. How's

352
00:16:25,960 --> 00:16:28,760
Speaker 3: that impacted your relationship? And what does that relationship with

353
00:16:28,840 --> 00:16:29,960
Speaker 3: your mum look like now?

354
00:16:30,160 --> 00:16:33,640
Speaker 4: Well, when I decided to move in with my partner,

355
00:16:33,640 --> 00:16:36,040
Speaker 4: it was the first time I moved out of home,

356
00:16:36,200 --> 00:16:38,880
Speaker 4: because it's like, as well as financial, she used to

357
00:16:38,920 --> 00:16:40,920
Speaker 4: make you feel like you couldn't leave or you couldn't

358
00:16:40,960 --> 00:16:43,200
Speaker 4: do what you wanted to do. So when I moved out,

359
00:16:43,280 --> 00:16:45,400
Speaker 4: she actually stopped talking to me for a few months,

360
00:16:45,560 --> 00:16:49,520
Speaker 4: and even now she'll only talk to us if it's

361
00:16:49,520 --> 00:16:50,920
Speaker 4: about her that sucks.

362
00:16:50,960 --> 00:16:53,960
Speaker 3: I'm so sorry that that's the nature of the relationship

363
00:16:54,080 --> 00:16:56,480
Speaker 3: because you know, just reading into your tone of voice,

364
00:16:56,520 --> 00:16:58,360
Speaker 3: is it right to assume that that's maybe not how

365
00:16:58,400 --> 00:16:59,960
Speaker 3: you want the relationship to run.

366
00:17:00,200 --> 00:17:02,400
Speaker 4: No, definitely not. And it's like we spend a lot

367
00:17:02,400 --> 00:17:06,639
Speaker 4: of time with my partner's parents and not being able

368
00:17:06,680 --> 00:17:08,920
Speaker 4: to have the same kind of luxury of going out

369
00:17:08,960 --> 00:17:11,400
Speaker 4: to dinner or popping in and saying hi. It's quite

370
00:17:12,240 --> 00:17:17,400
Speaker 4: it's a little bit like tiring always trying to tiptoe

371
00:17:17,440 --> 00:17:21,320
Speaker 4: around this kind of pretend heavy families. And my partner

372
00:17:21,640 --> 00:17:24,080
Speaker 4: with kind of what went on around the time I

373
00:17:24,119 --> 00:17:28,320
Speaker 4: moved out, he grew to really dislike her just to

374
00:17:28,359 --> 00:17:30,080
Speaker 4: the way she was treating me and talking to me.

375
00:17:30,840 --> 00:17:33,840
Speaker 3: Which I mean, I don't know him, but I feel

376
00:17:33,840 --> 00:17:38,199
Speaker 3: like that's incredibly understandable. I don't particularly love people who

377
00:17:38,240 --> 00:17:42,320
Speaker 3: are treating the people I love not well, so that

378
00:17:42,400 --> 00:17:46,240
Speaker 3: makes absolute sense. But it does, I guess, from my perspective,

379
00:17:46,720 --> 00:17:49,200
Speaker 3: form a bit of a you know, friction point there

380
00:17:49,240 --> 00:17:51,160
Speaker 3: as well, because you're like, oh, this is my mum.

381
00:17:51,240 --> 00:17:53,520
Speaker 3: But I also feel really bad, but I also don't

382
00:17:53,560 --> 00:17:56,600
Speaker 3: really want to be treated like this, and it puts

383
00:17:56,640 --> 00:17:58,480
Speaker 3: you in a situation where you're in a bit of

384
00:17:58,480 --> 00:18:01,399
Speaker 3: a rock and a hard place. So what does that

385
00:18:01,440 --> 00:18:04,080
Speaker 3: look like in the future? And I guess how are

386
00:18:04,119 --> 00:18:06,600
Speaker 3: you changing your money story? So that's maybe not a

387
00:18:06,600 --> 00:18:07,680
Speaker 3: part of it in the future.

388
00:18:07,920 --> 00:18:09,600
Speaker 4: I think for now, like the two of us are

389
00:18:09,640 --> 00:18:13,240
Speaker 4: just focusing on being able to create our own life

390
00:18:13,240 --> 00:18:16,360
Speaker 4: together rather than trying to keep everyone on the sidelines

391
00:18:16,400 --> 00:18:19,639
Speaker 4: really happy, especially worth going into having a little farm.

392
00:18:20,080 --> 00:18:22,280
Speaker 4: It is really just the people that are involved. And

393
00:18:22,320 --> 00:18:25,040
Speaker 4: as much as you want to keep kind of your

394
00:18:25,040 --> 00:18:28,600
Speaker 4: family close and your friends involved, you can't because you've

395
00:18:28,600 --> 00:18:30,520
Speaker 4: got to get things up and going. Yeah.

396
00:18:30,520 --> 00:18:33,479
Speaker 3: Absolutely, So tell me a little bit about the spending

397
00:18:33,560 --> 00:18:35,760
Speaker 3: over the last twelve months. You said in your email

398
00:18:35,760 --> 00:18:38,560
Speaker 3: that you drained your emergency funds and you'd also you know,

399
00:18:38,640 --> 00:18:41,880
Speaker 3: IM pressed pause on studies. Where are we now, what

400
00:18:41,920 --> 00:18:44,439
Speaker 3: does the future look like? Are we building back our

401
00:18:44,480 --> 00:18:46,760
Speaker 3: emergency funds? And what did you spend them on?

402
00:18:47,480 --> 00:18:50,840
Speaker 4: Okay, so I had ten thousand dollars in my emergency fund.

403
00:18:51,800 --> 00:18:54,480
Speaker 4: Having so many expensive pits, I wanted to make sure

404
00:18:54,480 --> 00:18:59,399
Speaker 4: I had plenty of them. Yes, absolutely, And when I

405
00:18:59,520 --> 00:19:02,960
Speaker 4: moved our I had actually gone halves in a horse

406
00:19:03,000 --> 00:19:05,520
Speaker 4: with my mum, and the day I told her that

407
00:19:05,560 --> 00:19:07,840
Speaker 4: I was moving out, she just demanded the money back,

408
00:19:07,880 --> 00:19:09,920
Speaker 4: so that took a couple grand out of the savings.

409
00:19:10,480 --> 00:19:14,280
Speaker 4: And then I had to buy a trailer to move

410
00:19:14,880 --> 00:19:17,080
Speaker 4: all my animals and move all my stuff, so that

411
00:19:17,200 --> 00:19:21,240
Speaker 4: drained it right down as well. And then over time,

412
00:19:21,320 --> 00:19:24,639
Speaker 4: I'm very lucky where we live at my partner's work,

413
00:19:24,840 --> 00:19:28,800
Speaker 4: it's pretty much expense free except groceries, so I've been

414
00:19:28,880 --> 00:19:32,040
Speaker 4: able to bring my emergency fund back up from zero

415
00:19:32,080 --> 00:19:34,720
Speaker 4: to five thousand in the last couple of months, which

416
00:19:34,760 --> 00:19:35,480
Speaker 4: is quite cool.

417
00:19:36,080 --> 00:19:39,919
Speaker 2: Because you have that trailer now that you bought, is

418
00:19:39,960 --> 00:19:42,600
Speaker 2: there the opportunity for you to like rent it out

419
00:19:42,840 --> 00:19:45,239
Speaker 2: or something like that potentially to other people who were

420
00:19:45,280 --> 00:19:47,359
Speaker 2: in a situation like you were in, where they're like, oh,

421
00:19:47,440 --> 00:19:50,080
Speaker 2: I really need it for this one thing, probably don't

422
00:19:50,080 --> 00:19:52,439
Speaker 2: want to outlay the huge amount of cash. Is that

423
00:19:52,480 --> 00:19:55,000
Speaker 2: something you've looked into it all? Yeah. Absolutely.

424
00:19:55,080 --> 00:19:58,680
Speaker 4: It's a little tricky with where we're based because we

425
00:19:58,760 --> 00:20:01,359
Speaker 4: live so off the beat and track, like we literally

426
00:20:01,359 --> 00:20:05,919
Speaker 4: live inside the mountains. But definitely, if even without like

427
00:20:06,359 --> 00:20:09,359
Speaker 4: a financial view on it, if my friends are needing help,

428
00:20:09,480 --> 00:20:10,520
Speaker 4: I can offer that to them.

429
00:20:10,880 --> 00:20:14,080
Speaker 2: That is so nice? Is that soad thing to be

430
00:20:14,119 --> 00:20:16,040
Speaker 2: able to prioritize.

431
00:20:15,400 --> 00:20:17,720
Speaker 3: That And the fact that you're like, oh, if my

432
00:20:17,760 --> 00:20:19,840
Speaker 3: friends need help, like I know, I've got that there.

433
00:20:19,880 --> 00:20:22,000
Speaker 3: Like how many people do you talk to that are

434
00:20:22,000 --> 00:20:23,919
Speaker 3: like yep, it's like if I get a bill or

435
00:20:23,920 --> 00:20:26,840
Speaker 3: this or that, and it's not about their friends. I

436
00:20:26,960 --> 00:20:29,679
Speaker 3: love that you sound so kind. You sound like the

437
00:20:29,720 --> 00:20:32,520
Speaker 3: type of person that everybody in our community would want

438
00:20:32,520 --> 00:20:34,560
Speaker 3: to be best friends with. Then like wrap you up

439
00:20:34,600 --> 00:20:35,720
Speaker 3: and be like, no, we'll.

440
00:20:35,520 --> 00:20:36,080
Speaker 2: Be your mum.

441
00:20:36,280 --> 00:20:40,439
Speaker 3: It'll be fine. What does that mean for the future? So, like,

442
00:20:40,560 --> 00:20:43,119
Speaker 3: where's study? What's that look like? Are you going to

443
00:20:43,160 --> 00:20:46,199
Speaker 3: restart your business? It sounds like you were wildly successful

444
00:20:46,240 --> 00:20:48,240
Speaker 3: before but had a few hurdles that you needed to

445
00:20:48,240 --> 00:20:50,480
Speaker 3: get over. You're going to have, hopefully in the future,

446
00:20:50,560 --> 00:20:52,080
Speaker 3: your own little farm and stuff.

447
00:20:52,160 --> 00:20:53,720
Speaker 2: Is that what the future looks like?

448
00:20:53,800 --> 00:20:55,840
Speaker 3: Tell us? I want to know what your goals and

449
00:20:55,880 --> 00:20:57,520
Speaker 3: aspirations are for the future.

450
00:20:57,920 --> 00:20:59,760
Speaker 4: Yeah, so definitely want to be a part of the

451
00:20:59,760 --> 00:21:02,720
Speaker 4: whole farm thing with my partner, because I don't want

452
00:21:02,720 --> 00:21:05,560
Speaker 4: to be the kind of the farmer's wife that stays

453
00:21:05,560 --> 00:21:09,760
Speaker 4: at home. But study wise, I'm actually studying a certificate

454
00:21:09,760 --> 00:21:10,840
Speaker 4: and financial servicing.

455
00:21:11,480 --> 00:21:14,199
Speaker 3: Oh where is that come from?

456
00:21:15,680 --> 00:21:18,920
Speaker 4: So hopefully in the next kind of twelve months, because

457
00:21:18,920 --> 00:21:22,160
Speaker 4: I'm actually restarting my study on the fourteenth of February,

458
00:21:22,160 --> 00:21:24,960
Speaker 4: which is really exciting, and it's all from home, so

459
00:21:25,040 --> 00:21:28,120
Speaker 4: it's great. But yeah, that for good twelve months, I'll

460
00:21:28,119 --> 00:21:30,119
Speaker 4: be somewhere higher on the track.

461
00:21:30,320 --> 00:21:33,000
Speaker 3: Oh my gosh. So what's the plan with financial services? Like,

462
00:21:33,040 --> 00:21:35,080
Speaker 3: why do you want to be so boring? My friend?

463
00:21:35,680 --> 00:21:38,480
Speaker 2: It's not boring or I mean, it's a.

464
00:21:38,400 --> 00:21:41,040
Speaker 3: Bit hypocritical of me to call it boring, Like I

465
00:21:41,119 --> 00:21:44,360
Speaker 3: don't think it's boring, but a lot of people might go, oh,

466
00:21:44,440 --> 00:21:46,720
Speaker 3: financial services, like why, where? When?

467
00:21:46,880 --> 00:21:47,080
Speaker 1: How?

468
00:21:47,119 --> 00:21:47,920
Speaker 3: What are you going to do?

469
00:21:48,320 --> 00:21:48,600
Speaker 2: Well?

470
00:21:48,680 --> 00:21:51,360
Speaker 4: Because I have been a bookkeeper for the last three

471
00:21:51,400 --> 00:21:55,200
Speaker 4: or four years and I really enjoy numbers and working

472
00:21:55,200 --> 00:22:00,720
Speaker 4: out budgets and being very structured in work, I kind

473
00:22:00,720 --> 00:22:03,360
Speaker 4: of I looked into, well, what can I do that's

474
00:22:03,440 --> 00:22:05,880
Speaker 4: not being a bookkeeper? And there's nothing wrong with being

475
00:22:05,880 --> 00:22:10,240
Speaker 4: a bookkeeper, but it is just it is very kind

476
00:22:10,240 --> 00:22:12,720
Speaker 4: of into the road, like it doesn't amount to too

477
00:22:12,800 --> 00:22:16,720
Speaker 4: much more. And over the next week, while because I'm

478
00:22:16,960 --> 00:22:21,440
Speaker 4: certified or certified as a bookkeeper. I will go off

479
00:22:21,440 --> 00:22:25,840
Speaker 4: independently as a contractor until I can pick get certified

480
00:22:25,840 --> 00:22:27,000
Speaker 4: with financial servicing.

481
00:22:27,280 --> 00:22:29,720
Speaker 3: Oh, I love that for you, and I think it's

482
00:22:29,760 --> 00:22:32,760
Speaker 3: really interesting that you say that because obviously there are

483
00:22:32,760 --> 00:22:35,320
Speaker 3: some jobs where, you know, if you're a bookkeeper, it's

484
00:22:35,400 --> 00:22:38,080
Speaker 3: kind of like that's a solid job, but there's not

485
00:22:38,320 --> 00:22:40,960
Speaker 3: heaps and heaps of career progression unless you're planning on

486
00:22:41,200 --> 00:22:43,520
Speaker 3: starting your own business and then getting other bookkeepers and

487
00:22:43,560 --> 00:22:46,920
Speaker 3: bringing on clients, and if you're not super passionate about that,

488
00:22:47,000 --> 00:22:50,040
Speaker 3: then that's probably not what you're looking at doing. So

489
00:22:50,560 --> 00:22:53,080
Speaker 3: it is definitely a solid career, though, like I cannot

490
00:22:53,080 --> 00:22:55,359
Speaker 3: tell you we have a bookkeeper, I don't know if

491
00:22:55,359 --> 00:22:57,920
Speaker 3: she listens to our podcast, Nicole. If you are listening,

492
00:22:58,119 --> 00:23:00,560
Speaker 3: you're a legend and you literally say my butt a

493
00:23:00,640 --> 00:23:04,520
Speaker 3: million times a month also jess is but justeray. But

494
00:23:04,680 --> 00:23:07,280
Speaker 3: it's one of those things that it's such a valuable

495
00:23:07,359 --> 00:23:10,560
Speaker 3: role to play inside people's businesses as well that I

496
00:23:10,600 --> 00:23:13,440
Speaker 3: don't know, solid career. But then also I can completely

497
00:23:13,480 --> 00:23:15,560
Speaker 3: see why you want to do something different or something

498
00:23:15,600 --> 00:23:19,280
Speaker 3: a little bit more, because if you're not super satisfied

499
00:23:19,320 --> 00:23:21,320
Speaker 3: with it, I can see that. I can see that.

500
00:23:21,600 --> 00:23:24,520
Speaker 2: I think it's really great to see that you've thought

501
00:23:24,680 --> 00:23:27,960
Speaker 2: super pragmatically about it as well and kind of gone, oh, like,

502
00:23:28,040 --> 00:23:30,320
Speaker 2: I like bookkeeping, I'm really good at it. It's given

503
00:23:30,359 --> 00:23:34,000
Speaker 2: me this foundational skill set. But what else can I

504
00:23:34,080 --> 00:23:37,440
Speaker 2: do with that? I think that's really an incredible attitude

505
00:23:37,440 --> 00:23:40,560
Speaker 2: to have. And obviously we're hugely in support of going

506
00:23:40,560 --> 00:23:44,080
Speaker 2: into the financial space. We love to see it, and

507
00:23:44,320 --> 00:23:47,199
Speaker 2: I have no doubt that you'll be super successful at that.

508
00:23:47,920 --> 00:23:50,720
Speaker 2: What a job opportunities just out of curiosity look like?

509
00:23:50,960 --> 00:23:54,080
Speaker 2: With you being so remote, I know you said your

510
00:23:54,200 --> 00:23:57,080
Speaker 2: education is going to be online, is there a lot

511
00:23:57,080 --> 00:24:00,000
Speaker 2: of opportunity to take on Have you looked into roles

512
00:24:00,080 --> 00:24:02,199
Speaker 2: like this to do those remotely as well? Or are

513
00:24:02,200 --> 00:24:05,520
Speaker 2: you in for like a huge commute?

514
00:24:05,560 --> 00:24:08,000
Speaker 4: I think in the long run, because I know that

515
00:24:08,040 --> 00:24:12,480
Speaker 4: we won't be up where we are for forever. Yeah,

516
00:24:12,520 --> 00:24:15,760
Speaker 4: when we're back down kind of closer to the world,

517
00:24:16,080 --> 00:24:19,119
Speaker 4: it'll be a lot easier. But even from where we are,

518
00:24:19,200 --> 00:24:21,600
Speaker 4: like the commute's only an hour and an hour down

519
00:24:21,880 --> 00:24:26,480
Speaker 4: here is not actually that long. Yeah, So yeah, I've

520
00:24:26,560 --> 00:24:28,320
Speaker 4: kind of wondered about it. With what I'm doing at

521
00:24:28,359 --> 00:24:30,560
Speaker 4: the moment, I can do everything online, which is great,

522
00:24:31,400 --> 00:24:33,920
Speaker 4: but yeah, once I get into that kind of financial

523
00:24:33,920 --> 00:24:37,520
Speaker 4: servicing industry, I will have to rethink. Maybe get a

524
00:24:37,600 --> 00:24:39,000
Speaker 4: cheaper car to run.

525
00:24:39,560 --> 00:24:42,119
Speaker 2: Fine, figure that out when You'll work it out.

526
00:24:42,000 --> 00:24:44,959
Speaker 3: When it happens. I want to flip back. I have

527
00:24:45,000 --> 00:24:48,600
Speaker 3: a few questions I guess about your personal situation again

528
00:24:48,640 --> 00:24:51,480
Speaker 3: and about life and how that works. And something that

529
00:24:51,840 --> 00:24:53,680
Speaker 3: you know, I've just been thinking about over the last

530
00:24:53,680 --> 00:24:56,080
Speaker 3: few minutes is that you just seem to have this

531
00:24:56,160 --> 00:24:59,280
Speaker 3: passion and drive to educate yourself and support yourself and

532
00:24:59,359 --> 00:25:03,040
Speaker 3: you know, create this life and that's obviously not been

533
00:25:03,080 --> 00:25:07,120
Speaker 3: supported historically for you, and so many people in similar

534
00:25:07,160 --> 00:25:10,640
Speaker 3: situations to you often don't feel like there's a light

535
00:25:10,640 --> 00:25:12,560
Speaker 3: at the end of the tunnel or an exit point,

536
00:25:12,760 --> 00:25:14,520
Speaker 3: or that maybe that's the way it's going to be,

537
00:25:15,000 --> 00:25:18,600
Speaker 3: or they actually believe the things that they're being told. Well,

538
00:25:18,600 --> 00:25:20,440
Speaker 3: you just have to work for full time. You don't

539
00:25:20,440 --> 00:25:23,000
Speaker 3: actually have to go and starty, and they might go, Okay,

540
00:25:23,200 --> 00:25:27,400
Speaker 3: no problems, I don't have to do that. Why why

541
00:25:27,440 --> 00:25:30,200
Speaker 3: are you in this situation where you know you want

542
00:25:30,240 --> 00:25:33,639
Speaker 3: more for yourself, Like, where's this drive coming from that

543
00:25:33,760 --> 00:25:35,640
Speaker 3: I can see on your face when you talk about

544
00:25:35,640 --> 00:25:38,280
Speaker 3: your career and your education and what you want to achieve,

545
00:25:38,680 --> 00:25:41,879
Speaker 3: like where have you learnt this? Because I don't believe

546
00:25:41,880 --> 00:25:42,879
Speaker 3: it's come from your mum.

547
00:25:44,080 --> 00:25:47,119
Speaker 4: No. So when I had my first business, it was

548
00:25:47,920 --> 00:25:50,080
Speaker 4: it was just really rewarding knowing that everything I was

549
00:25:50,080 --> 00:25:53,080
Speaker 4: putting in was coming out double and not even just

550
00:25:53,080 --> 00:25:55,399
Speaker 4: in terms of money, Like the people that I was

551
00:25:55,440 --> 00:25:58,440
Speaker 4: dealing with, seeing the outcomes with them and who I

552
00:25:58,480 --> 00:26:01,359
Speaker 4: was helping was really cool. But I think now with

553
00:26:02,400 --> 00:26:04,879
Speaker 4: kind of what happened over the last twelve months and

554
00:26:04,920 --> 00:26:08,520
Speaker 4: getting really beaten down emotionally, my partner played a really

555
00:26:08,520 --> 00:26:09,359
Speaker 4: really big role in it.

556
00:26:10,000 --> 00:26:14,560
Speaker 2: That's incredible that you, I guess, not forged our relationship

557
00:26:14,560 --> 00:26:17,680
Speaker 2: because it already existed, But you know, I think having

558
00:26:17,840 --> 00:26:21,600
Speaker 2: someone that you know you can rely on so heavily

559
00:26:22,119 --> 00:26:25,520
Speaker 2: in those kind of more tumultuous times it must give

560
00:26:25,560 --> 00:26:28,040
Speaker 2: you such a sense of comfort, right.

561
00:26:28,040 --> 00:26:30,640
Speaker 3: Yeah, and it's gorgeous. But then on top of that,

562
00:26:30,920 --> 00:26:33,440
Speaker 3: like you've gone and started a business on your own

563
00:26:33,840 --> 00:26:36,480
Speaker 3: in a situation where I'm getting the vibe it wasn't

564
00:26:36,520 --> 00:26:41,200
Speaker 3: exactly super welcome, like you've gone from you know, being

565
00:26:41,480 --> 00:26:43,879
Speaker 3: I I'm just in awe if that makes sense of

566
00:26:43,960 --> 00:26:46,640
Speaker 3: somebody who was in a situation where running your own

567
00:26:46,640 --> 00:26:49,359
Speaker 3: business obviously wasn't welcomed and it wasn't something that was

568
00:26:49,400 --> 00:26:51,720
Speaker 3: super supported and you were just like, okay, well, whatever

569
00:26:51,720 --> 00:26:53,320
Speaker 3: it's going to cost, op pay more, I'll do this,

570
00:26:53,359 --> 00:26:55,560
Speaker 3: I'll do that. And obviously the stopping point there was

571
00:26:55,560 --> 00:26:57,560
Speaker 3: that you couldn't continue it because it was no. And

572
00:26:57,600 --> 00:27:00,440
Speaker 3: when it's a no, it's no. But from my perspective,

573
00:27:00,480 --> 00:27:02,040
Speaker 3: I just I don't know. I want to pick you

574
00:27:02,080 --> 00:27:03,919
Speaker 3: up and hug you and be like, you're so impressive.

575
00:27:04,119 --> 00:27:06,720
Speaker 3: And you know, there are people in our community who

576
00:27:06,840 --> 00:27:09,720
Speaker 3: don't have supportive parents, who don't have, you know, people

577
00:27:09,760 --> 00:27:12,920
Speaker 3: around them that they ideally would love to have around them.

578
00:27:13,240 --> 00:27:16,199
Speaker 3: And that's why I think, you know, a bit self centered,

579
00:27:16,200 --> 00:27:18,560
Speaker 3: But why I think that she's on the money community

580
00:27:18,680 --> 00:27:21,800
Speaker 3: is so valuable because I want people to know their worth.

581
00:27:21,840 --> 00:27:23,919
Speaker 3: I don't like, you shouldn't have to be picked up

582
00:27:23,920 --> 00:27:26,200
Speaker 3: by one individual and be like, no money, direst you

583
00:27:26,240 --> 00:27:28,720
Speaker 3: are worth something that you've done that to yourself, and

584
00:27:28,760 --> 00:27:31,679
Speaker 3: I just think that that's so beautiful to see, but

585
00:27:31,800 --> 00:27:33,840
Speaker 3: also something we can all learn from because it doesn't

586
00:27:33,840 --> 00:27:36,760
Speaker 3: matter what your background is, what your financial situation was,

587
00:27:37,000 --> 00:27:38,960
Speaker 3: who's supporting you or not. Like, at the end of

588
00:27:39,000 --> 00:27:40,760
Speaker 3: the day, the one person that has your back is you,

589
00:27:40,960 --> 00:27:43,080
Speaker 3: and you've done that really well, and I think that

590
00:27:43,119 --> 00:27:45,679
Speaker 3: we could all learn a little bit from you and

591
00:27:45,760 --> 00:27:49,200
Speaker 3: it from your story and you know, take that forward.

592
00:27:49,800 --> 00:27:54,240
Speaker 3: But if there are people in your past position right

593
00:27:54,280 --> 00:27:57,080
Speaker 3: now where they just not support it or they're not

594
00:27:57,240 --> 00:28:00,560
Speaker 3: feeling welcomed, what would you say to them, Like, what

595
00:28:00,720 --> 00:28:03,760
Speaker 3: is your advice? Because I can't give advice to that.

596
00:28:04,160 --> 00:28:07,000
Speaker 3: I thankfully haven't been in that position and it would

597
00:28:07,040 --> 00:28:08,720
Speaker 3: be a mess of me to do that. But you're

598
00:28:08,840 --> 00:28:10,280
Speaker 3: perfectly positioned for that.

599
00:28:11,200 --> 00:28:13,879
Speaker 4: I think just definitely talk to people. I spent a

600
00:28:13,880 --> 00:28:17,399
Speaker 4: lot of time saying nothing to anyone about anything that

601
00:28:17,520 --> 00:28:20,000
Speaker 4: was going on, and then when it did come to

602
00:28:20,080 --> 00:28:24,280
Speaker 4: light to people like my partner, if you tell people,

603
00:28:24,359 --> 00:28:26,520
Speaker 4: they will actually stand up and say something. People won't

604
00:28:26,560 --> 00:28:28,040
Speaker 4: just sit there and be like, oh, no, you're just

605
00:28:28,119 --> 00:28:31,640
Speaker 4: being ridiculous. I remember one day my partner sent me down.

606
00:28:31,640 --> 00:28:33,600
Speaker 4: He's like, if a boyfriend was treating you this way,

607
00:28:33,920 --> 00:28:36,080
Speaker 4: you wouldn't stay. So why are you leaving a parent?

608
00:28:36,640 --> 00:28:38,560
Speaker 4: And you just kind of need that voice of reason,

609
00:28:38,600 --> 00:28:40,800
Speaker 4: and sometimes you do need the voice of reason to

610
00:28:40,840 --> 00:28:43,280
Speaker 4: be someone else's. Sometimes you can't be the only one

611
00:28:43,280 --> 00:28:44,040
Speaker 4: that helps yourself.

612
00:28:44,760 --> 00:28:48,320
Speaker 3: Yeah, no, I totally agree, And Jess, we've said this

613
00:28:48,440 --> 00:28:52,640
Speaker 3: before on the podcast, like you need to hold your

614
00:28:52,640 --> 00:28:54,800
Speaker 3: own and it doesn't matter who they are or what

615
00:28:54,840 --> 00:28:57,720
Speaker 3: connection they have to you. Sometimes you just have to say, yeah,

616
00:28:57,760 --> 00:28:59,880
Speaker 3: you might be my mum, but you're not supportive of me,

617
00:29:00,200 --> 00:29:03,560
Speaker 3: and that's not nourishing me, that's not helping me grow. Like,

618
00:29:03,920 --> 00:29:06,520
Speaker 3: you're right, if that was my partner, I wouldn't put

619
00:29:06,560 --> 00:29:08,000
Speaker 3: up with that, So why am I putting up with

620
00:29:08,040 --> 00:29:11,960
Speaker 3: that just because you're my mum? Like, Oh, I really

621
00:29:12,080 --> 00:29:14,720
Speaker 3: like that sentiment, and I think that that's probably a

622
00:29:14,760 --> 00:29:17,600
Speaker 3: really good place to leave it. Actually, Money Direst, thank

623
00:29:17,600 --> 00:29:20,520
Speaker 3: you so much for joining us today. But unfortunately I

624
00:29:20,520 --> 00:29:22,640
Speaker 3: do think that is all we have time for today.

625
00:29:22,880 --> 00:29:24,920
Speaker 3: So just before we head off, we'd like to acknowledge

626
00:29:24,920 --> 00:29:28,080
Speaker 3: and pay respect to Australia's Aboriginal and Torri Straight island

627
00:29:28,120 --> 00:29:31,080
Speaker 3: of people's. They're the traditional custodians of the lands, the

628
00:29:31,120 --> 00:29:34,840
Speaker 3: waterways and the skies all across Australia. We thank you

629
00:29:34,920 --> 00:29:37,040
Speaker 3: for sharing and for caring for the land on which

630
00:29:37,080 --> 00:29:39,760
Speaker 3: we are able to learn. We pay respects to elders

631
00:29:39,760 --> 00:29:43,040
Speaker 3: past and present, and we share our friendship and our kindness.

632
00:29:43,400 --> 00:29:51,440
Speaker 3: See you next week, guys,