1 00:00:00,640 --> 00:00:00,960 Speaker 1: Hello. 2 00:00:01,520 --> 00:00:05,000 Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the 3 00:00:05,120 --> 00:00:08,720 Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we 4 00:00:08,800 --> 00:00:11,440 Speaker 2: get started on She's on the Money podcast, I would 5 00:00:11,480 --> 00:00:14,480 Speaker 2: like to acknowledge the traditional custodians of the land of 6 00:00:14,520 --> 00:00:18,640 Speaker 2: which this podcast is recorded on a wondery country, acknowledging 7 00:00:18,680 --> 00:00:22,560 Speaker 2: the elders, the ancestors and the next generation coming through 8 00:00:23,040 --> 00:00:27,120 Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and 9 00:00:27,200 --> 00:00:30,560 Speaker 2: the storytelling of you to make a difference for today 10 00:00:31,040 --> 00:00:32,599 Speaker 2: and lasting impact for tomorrow. 11 00:00:33,280 --> 00:00:37,080 Speaker 3: Let's get into it. She's on the Money, She's on 12 00:00:37,120 --> 00:01:00,000 Speaker 3: the Money. Hello, and welcome to She's on the Money, 13 00:01:00,120 --> 00:01:04,240 Speaker 3: the podcast for millennials who want financial freedom. My name 14 00:01:04,319 --> 00:01:08,040 Speaker 3: is Victoria Devine and I am so excited to welcome 15 00:01:08,120 --> 00:01:10,280 Speaker 3: you back to another one of our shop backed money 16 00:01:10,319 --> 00:01:12,200 Speaker 3: diaries where we get to talk to one of our 17 00:01:12,280 --> 00:01:15,039 Speaker 3: beautiful She's on the Money community members and learn a 18 00:01:15,080 --> 00:01:18,800 Speaker 3: little bit more about their journey. So let's get straight 19 00:01:18,880 --> 00:01:21,399 Speaker 3: into it. This week I got a message from one 20 00:01:21,400 --> 00:01:24,640 Speaker 3: of our diarists and it said I went to UNI 21 00:01:24,800 --> 00:01:27,720 Speaker 3: straight out of school and I wanted to do everything right. 22 00:01:28,240 --> 00:01:32,280 Speaker 3: This developed into a toxic perfectionist pattern. When I landed 23 00:01:32,319 --> 00:01:36,080 Speaker 3: my dream job, I realized something was really wrong. After 24 00:01:36,160 --> 00:01:39,960 Speaker 3: long periods of bad anxiety and finding myself crying on 25 00:01:40,000 --> 00:01:43,399 Speaker 3: the floor. After much soul searching, I returned to UNI 26 00:01:43,480 --> 00:01:47,520 Speaker 3: to study international development and climate change. At around this time, 27 00:01:47,560 --> 00:01:50,880 Speaker 3: my sixteen year old dog got really unwell. After a 28 00:01:50,960 --> 00:01:53,440 Speaker 3: year and a half of VET bills that added up 29 00:01:53,480 --> 00:01:58,120 Speaker 3: to twenty thousand dollars, my beloved pub passed away. While 30 00:01:58,160 --> 00:02:01,160 Speaker 3: this was happening, my dad's cancer returned and he was 31 00:02:01,200 --> 00:02:04,400 Speaker 3: given a short period of time to live, passing away 32 00:02:04,560 --> 00:02:07,920 Speaker 3: in July of last year. This, of course, put work 33 00:02:08,000 --> 00:02:12,400 Speaker 3: and union hold. After a diagnosis of OCD, but some 34 00:02:12,560 --> 00:02:16,920 Speaker 3: wonderful therapy, I now work full time at my real dream, 35 00:02:17,200 --> 00:02:20,040 Speaker 3: not for profit job where I earn less but my 36 00:02:20,200 --> 00:02:25,480 Speaker 3: cup is full money diarist, what a journey, what a story. 37 00:02:25,639 --> 00:02:27,440 Speaker 3: Thank you for wanting to share it with. 38 00:02:27,360 --> 00:02:29,920 Speaker 1: Me, No, thank you so much for having me on. 39 00:02:30,040 --> 00:02:31,880 Speaker 1: I'm very excited to share some more. 40 00:02:32,040 --> 00:02:34,480 Speaker 3: Oh my gosh, it started with like I landed my 41 00:02:34,560 --> 00:02:37,200 Speaker 3: dream job. Then I was on the floor, then all 42 00:02:37,280 --> 00:02:40,079 Speaker 3: of this other stuff. My gosh, I am so excited 43 00:02:40,080 --> 00:02:43,320 Speaker 3: to dive straight into it as always. Let's start with 44 00:02:43,400 --> 00:02:46,960 Speaker 3: the most common question I ask my favorite one of all. 45 00:02:47,280 --> 00:02:50,240 Speaker 3: Can you tell us a little bit about your money story? 46 00:02:50,680 --> 00:02:54,320 Speaker 1: Yes, for sure, So I guess it really starts when 47 00:02:54,360 --> 00:02:56,760 Speaker 1: I was younger. I had what I've learnt from you, 48 00:02:56,840 --> 00:03:00,320 Speaker 1: actually was a bit of a scarcity mindset grow up 49 00:03:00,360 --> 00:03:04,120 Speaker 1: when it comes to money. So my family wasn't super 50 00:03:04,160 --> 00:03:07,480 Speaker 1: well off and money just wasn't something that we had 51 00:03:07,600 --> 00:03:11,480 Speaker 1: laying around to spend. However, my parents always worked really 52 00:03:11,639 --> 00:03:15,000 Speaker 1: really hard, So from a young age, I really had 53 00:03:15,040 --> 00:03:18,000 Speaker 1: this mentality that kind of took over my brain that 54 00:03:18,120 --> 00:03:21,720 Speaker 1: basically you had to work really hard to get anything 55 00:03:21,760 --> 00:03:25,400 Speaker 1: that you wanted in life. So after high school, I 56 00:03:25,480 --> 00:03:28,040 Speaker 1: went to university to study what I thought would be 57 00:03:28,080 --> 00:03:30,280 Speaker 1: a degree that got me the most money. 58 00:03:30,440 --> 00:03:32,800 Speaker 3: Basically, what degree was that we want to know? 59 00:03:34,200 --> 00:03:37,240 Speaker 1: So that was just a basic kind of business degree 60 00:03:37,280 --> 00:03:41,320 Speaker 1: with some international relations chucked in from my own interest area, 61 00:03:41,480 --> 00:03:44,080 Speaker 1: and I thought that was the exciting thing that I 62 00:03:44,080 --> 00:03:45,200 Speaker 1: could do to make money. 63 00:03:45,240 --> 00:03:48,040 Speaker 3: Basically, that does definitely sound like you could be chreach 64 00:03:48,080 --> 00:03:52,240 Speaker 3: after doing that. Sounds stassy, Yeah, yeah, I get the logic, yep. 65 00:03:52,360 --> 00:03:55,600 Speaker 1: So I spent Uni basically working a lot part time, 66 00:03:55,840 --> 00:03:59,000 Speaker 1: studying really hard to get good grades and doing a 67 00:03:59,160 --> 00:04:02,360 Speaker 1: ridiculous aren't of unpaid volunteer work to try and build 68 00:04:02,400 --> 00:04:06,960 Speaker 1: up that resume. Basically, so after I've finished my undergrad 69 00:04:07,360 --> 00:04:09,800 Speaker 1: I thought it had all paid off when I got 70 00:04:10,200 --> 00:04:13,840 Speaker 1: a dream job straight out of university that was paying 71 00:04:13,920 --> 00:04:17,760 Speaker 1: almost ninety K, wow, which was just wild. 72 00:04:18,000 --> 00:04:21,359 Speaker 3: That's so much money straight out of university. Like, straight 73 00:04:21,360 --> 00:04:23,359 Speaker 3: out of Uni, I was on like forty K and 74 00:04:23,440 --> 00:04:25,200 Speaker 3: I thought I was making bank. 75 00:04:25,560 --> 00:04:28,640 Speaker 1: Yeah, it was overwhelmingly wild. So it was the first 76 00:04:28,640 --> 00:04:32,039 Speaker 1: time I'd ever actually really had money, and I had 77 00:04:32,080 --> 00:04:36,440 Speaker 1: no financial literacy at the time, so I basically went wild. 78 00:04:36,720 --> 00:04:39,600 Speaker 1: Like we're talking like fifty dollars bottles of wine during 79 00:04:39,640 --> 00:04:42,200 Speaker 1: the week, uber eats and dinners out daily, Like it 80 00:04:42,279 --> 00:04:46,080 Speaker 1: was just draining, and I was definitely living what I 81 00:04:46,120 --> 00:04:47,320 Speaker 1: thought was my best life. 82 00:04:47,480 --> 00:04:49,920 Speaker 3: I mean, that does sound pretty good. I would definitely 83 00:04:49,920 --> 00:04:52,240 Speaker 3: crack a bottle of fifty dollars wine on a Wednesday 84 00:04:52,240 --> 00:04:53,880 Speaker 3: and call that a good week. So I see where 85 00:04:53,880 --> 00:04:54,680 Speaker 3: you were going with that. 86 00:04:55,400 --> 00:04:58,440 Speaker 1: It was chaotic, It really was chaotic times, but it 87 00:04:58,480 --> 00:05:01,520 Speaker 1: was fun. But yeah, So in a bit of a 88 00:05:01,520 --> 00:05:05,080 Speaker 1: plot twist, it actually turns out that I really wasn't 89 00:05:05,080 --> 00:05:08,080 Speaker 1: that happy. I might have thought I was, but on 90 00:05:08,160 --> 00:05:10,040 Speaker 1: those nights that I wasn't kind of out with friends 91 00:05:10,120 --> 00:05:12,560 Speaker 1: or like having a fun time with my partner. I 92 00:05:12,600 --> 00:05:15,799 Speaker 1: was just so exhausted and overwhelmed. And I finally realized 93 00:05:15,800 --> 00:05:18,960 Speaker 1: that I was genuinely really burnt out when one day 94 00:05:19,040 --> 00:05:23,080 Speaker 1: I was having a proper panic attack in the kitchen, 95 00:05:23,360 --> 00:05:26,520 Speaker 1: lying on the floor, just like balling my eyes out, 96 00:05:26,720 --> 00:05:29,840 Speaker 1: and my partner was talking to me and he was like, 97 00:05:29,920 --> 00:05:32,760 Speaker 1: I think maybe this isn't what you want in life. 98 00:05:32,760 --> 00:05:36,400 Speaker 1: And I was like, maybe you're right, maybe this isn't it. 99 00:05:36,800 --> 00:05:39,560 Speaker 3: That's some good insight. I mean, that's probably a good 100 00:05:39,560 --> 00:05:42,120 Speaker 3: indicator if you're having a panic attack on the floor 101 00:05:42,480 --> 00:05:44,760 Speaker 3: and you are balling your eyes. I just feel like, yeah, 102 00:05:44,800 --> 00:05:45,760 Speaker 3: he's pretty switched on. 103 00:05:46,160 --> 00:05:48,800 Speaker 1: Yeah he's a good reader. I'll definitely give him that. 104 00:05:48,839 --> 00:05:51,359 Speaker 1: He's a very good emotion reader, which is very handy. 105 00:05:53,120 --> 00:05:56,040 Speaker 1: So yeah, So I got to the point then, and 106 00:05:56,240 --> 00:05:59,440 Speaker 1: a bunch of self reflection after that moment, realizing that 107 00:05:59,600 --> 00:06:03,760 Speaker 1: money probably wasn't all I wanted in life, and I 108 00:06:03,800 --> 00:06:05,680 Speaker 1: really wanted to do something that was a bit more 109 00:06:05,720 --> 00:06:09,480 Speaker 1: meaningful and could help me help people and kind of 110 00:06:09,600 --> 00:06:12,520 Speaker 1: lean into my passion for the environment as well. So 111 00:06:12,760 --> 00:06:15,280 Speaker 1: I went back to UNI, which was my safe space 112 00:06:15,320 --> 00:06:18,640 Speaker 1: at the time, and enrolled in my Masters of Global 113 00:06:18,680 --> 00:06:22,320 Speaker 1: Development and Climate Change and started working part time. So 114 00:06:23,000 --> 00:06:25,279 Speaker 1: about this time is actually when I found your podcast 115 00:06:25,400 --> 00:06:26,160 Speaker 1: as well. 116 00:06:26,040 --> 00:06:27,120 Speaker 3: Welcome to the Family. 117 00:06:27,320 --> 00:06:29,839 Speaker 1: Yes, yes, So it was very exciting. So I was 118 00:06:29,920 --> 00:06:32,320 Speaker 1: actually getting on top of my money. I was figuring 119 00:06:32,360 --> 00:06:34,719 Speaker 1: out how to do baskets, I was saving all my 120 00:06:34,760 --> 00:06:38,800 Speaker 1: part time earnings, like things were looking right, and then 121 00:06:39,279 --> 00:06:42,119 Speaker 1: these three major things kind of happened over the span 122 00:06:42,160 --> 00:06:44,760 Speaker 1: of a few years. So, as you mentioned at the start, 123 00:06:44,920 --> 00:06:47,640 Speaker 1: my gorgeous, gorgeous dog that i'd had sent you two 124 00:06:48,240 --> 00:06:49,119 Speaker 1: got really sick. 125 00:06:49,560 --> 00:06:51,440 Speaker 3: What kind of dogs? Tell me about how her? 126 00:06:51,920 --> 00:06:54,960 Speaker 1: She was like this little beautiful silky cross, like one 127 00:06:55,000 --> 00:06:58,200 Speaker 1: of those bits of dogs that's like five different things. Yeah, 128 00:06:58,279 --> 00:07:03,080 Speaker 1: she's very sweet. So she was sixteen, and she got 129 00:07:03,120 --> 00:07:05,960 Speaker 1: all of the things wrong with her basically at the time. 130 00:07:06,400 --> 00:07:10,280 Speaker 1: So over the twenty eighteen to twenty twenty, I ended 131 00:07:10,360 --> 00:07:12,680 Speaker 1: up spending I think it was about twenty two thousand 132 00:07:12,680 --> 00:07:15,560 Speaker 1: dollars all up on her vet bills as I didn't 133 00:07:15,560 --> 00:07:17,840 Speaker 1: have pet insurance. Because I got her when I was 134 00:07:17,880 --> 00:07:21,560 Speaker 1: so young, and she ended up passing away in twenty twenty. 135 00:07:21,600 --> 00:07:25,120 Speaker 1: But it was totally worth it, but obviously took a 136 00:07:25,240 --> 00:07:27,200 Speaker 1: huge stent in the old savings. 137 00:07:27,440 --> 00:07:30,680 Speaker 3: That is the worst petsa as you probably already know 138 00:07:30,720 --> 00:07:32,640 Speaker 3: if you've been listening to the pod a while. I 139 00:07:32,720 --> 00:07:35,240 Speaker 3: am the biggest pet person ever. I have three of 140 00:07:35,280 --> 00:07:37,360 Speaker 3: my own, and they are the best things to ever 141 00:07:37,400 --> 00:07:39,600 Speaker 3: happen to me. And I mean, it's not going to 142 00:07:39,640 --> 00:07:42,760 Speaker 3: make you feel better about this, but you mentioned pet 143 00:07:42,760 --> 00:07:47,680 Speaker 3: insurance before. Your Bambino had a very good inning. Sixteen 144 00:07:47,760 --> 00:07:51,679 Speaker 3: years is very impressive, especially for a dog. But most 145 00:07:51,720 --> 00:07:55,200 Speaker 3: pet insurance will not cover any dog over the age 146 00:07:55,240 --> 00:07:58,320 Speaker 3: of ten or twelve, depending on what insurance policy it was, 147 00:07:58,560 --> 00:08:01,200 Speaker 3: so they might not have even covered that. So I 148 00:08:01,200 --> 00:08:04,640 Speaker 3: don't think insurance could have saved you there. Unfortunately, that's 149 00:08:04,680 --> 00:08:06,040 Speaker 3: all up to old dogs. 150 00:08:06,760 --> 00:08:09,760 Speaker 1: Yeah, exactly, that's very true actually, and it has helped 151 00:08:09,760 --> 00:08:13,480 Speaker 1: me learn now. For our dog that we got only 152 00:08:13,480 --> 00:08:15,560 Speaker 1: a few years ago, we have a joint account my 153 00:08:15,600 --> 00:08:18,080 Speaker 1: partner and I either push money into it was a 154 00:08:18,160 --> 00:08:20,600 Speaker 1: big savings just in case, which is very nice. Oh 155 00:08:20,680 --> 00:08:21,000 Speaker 1: my gosh. 156 00:08:21,040 --> 00:08:24,000 Speaker 3: They're babies that need being looked after. So I am 157 00:08:24,200 --> 00:08:28,440 Speaker 3: totally there. But then your story develops further that wasn't 158 00:08:28,480 --> 00:08:32,680 Speaker 3: the only bad thing to happen during that period of time, right, Yeah. 159 00:08:32,720 --> 00:08:37,240 Speaker 1: So early last year, I got a call from my 160 00:08:37,360 --> 00:08:42,559 Speaker 1: mum that my dad was in hospital because he prostate 161 00:08:42,640 --> 00:08:45,600 Speaker 1: cancer that he'd been dealing with, like really well for 162 00:08:45,679 --> 00:08:49,440 Speaker 1: the last six years had come back and had spread. Wow. 163 00:08:49,480 --> 00:08:52,360 Speaker 1: And I was so used to him being sick that 164 00:08:52,440 --> 00:08:54,880 Speaker 1: I didn't really think about it at the time. It 165 00:08:54,920 --> 00:08:57,560 Speaker 1: wasn't until for the first time she said you better 166 00:08:57,960 --> 00:09:01,800 Speaker 1: get here because we've been told there's only months that 167 00:09:01,840 --> 00:09:05,080 Speaker 1: I was like, oh, my goodness, yeah, this is serious. 168 00:09:06,080 --> 00:09:09,760 Speaker 1: So yeah, after going down to visit my family and 169 00:09:09,800 --> 00:09:14,000 Speaker 1: realizing that this was it, so I basically decided then 170 00:09:14,040 --> 00:09:17,040 Speaker 1: and there that family was more important than my UNI 171 00:09:17,080 --> 00:09:19,000 Speaker 1: and my work and all my other things I had 172 00:09:19,080 --> 00:09:22,320 Speaker 1: going on. So I ended up spending about one week 173 00:09:22,360 --> 00:09:25,040 Speaker 1: a month for six months going in between my home 174 00:09:25,160 --> 00:09:27,720 Speaker 1: and my family's home, visiting while they could, to just 175 00:09:27,760 --> 00:09:30,960 Speaker 1: support and be with Dad. And it was just such 176 00:09:30,960 --> 00:09:34,160 Speaker 1: a tough time, and he ended up passing away last July. 177 00:09:34,559 --> 00:09:37,600 Speaker 1: But I wouldn't trade it for a day. Taking that 178 00:09:37,679 --> 00:09:40,360 Speaker 1: time off UNI pushing things back and taking that time 179 00:09:40,360 --> 00:09:43,120 Speaker 1: off work to be with my family. It was the 180 00:09:43,120 --> 00:09:44,800 Speaker 1: best decision that I've ever made. 181 00:09:44,800 --> 00:09:47,520 Speaker 3: I think I'm so glad to hear that you had 182 00:09:47,520 --> 00:09:50,800 Speaker 3: that time with your family. I mean, there's no you know, 183 00:09:50,960 --> 00:09:53,240 Speaker 3: right or wrong when it comes to stuff like this, 184 00:09:53,440 --> 00:09:55,360 Speaker 3: but the fact that you're saying like, this is the 185 00:09:55,440 --> 00:09:57,800 Speaker 3: right decision for me. I love that you had the 186 00:09:57,880 --> 00:10:01,280 Speaker 3: ability to make that decision. And it sounds like your 187 00:10:01,360 --> 00:10:05,319 Speaker 3: dad probably really appreciated that too, like, oh my gosh, 188 00:10:05,400 --> 00:10:07,440 Speaker 3: he would have loved that time with you. Right. 189 00:10:07,920 --> 00:10:09,640 Speaker 1: Yeah, we had a lot of fun, and we had 190 00:10:09,640 --> 00:10:12,040 Speaker 1: a lot of like quality family time, which you don't 191 00:10:12,080 --> 00:10:14,280 Speaker 1: always get when the kids have all grown up and 192 00:10:14,280 --> 00:10:16,520 Speaker 1: we've moved to different states. So that was really nice 193 00:10:16,559 --> 00:10:20,120 Speaker 1: as well. So silver linings, yeah, especially as an adult. 194 00:10:20,240 --> 00:10:22,959 Speaker 1: I mean, let's try and see that as a silver lining. 195 00:10:23,200 --> 00:10:26,480 Speaker 1: And then what happened? You put work in UNI on hold? 196 00:10:26,559 --> 00:10:30,280 Speaker 1: And then what So then after my dad had passed away, 197 00:10:30,400 --> 00:10:33,160 Speaker 1: I kind of went back to my usual life, tried 198 00:10:33,160 --> 00:10:36,000 Speaker 1: to just dive straight back into things, as you know 199 00:10:36,080 --> 00:10:40,680 Speaker 1: the overchievers do, and then I realized something was very 200 00:10:40,720 --> 00:10:43,720 Speaker 1: off and it didn't feel like my regular anxiety. Things 201 00:10:43,720 --> 00:10:47,200 Speaker 1: were going downhill really quickly, and I was lucky enough 202 00:10:47,240 --> 00:10:50,440 Speaker 1: to have had a friend who had been diagnosed with 203 00:10:50,520 --> 00:10:53,000 Speaker 1: OCD a few years prior to me, and I thought, 204 00:10:53,040 --> 00:10:55,400 Speaker 1: this sounds a lot like what my friend was telling 205 00:10:55,400 --> 00:10:59,680 Speaker 1: me about. So I went straight to a psychologist within 206 00:11:00,080 --> 00:11:02,840 Speaker 1: about a month of it coming on. So I think 207 00:11:02,840 --> 00:11:04,840 Speaker 1: that was really lucky for me that it didn't have 208 00:11:04,960 --> 00:11:08,959 Speaker 1: enough time to develop into something really, really bad. But yeah, 209 00:11:09,000 --> 00:11:12,960 Speaker 1: I got diagnosed with obsessive compulsive disorder and it has 210 00:11:13,000 --> 00:11:16,520 Speaker 1: easily been apart from everything else that I've gone through, 211 00:11:16,920 --> 00:11:19,760 Speaker 1: one of the toughest things I've ever dealt with. It 212 00:11:19,800 --> 00:11:23,880 Speaker 1: is dehabilitating. It just drains you. It wastes so many 213 00:11:24,000 --> 00:11:26,920 Speaker 1: days of your life. And I didn't really understand what 214 00:11:27,040 --> 00:11:29,319 Speaker 1: it was before it happened to me, and I think 215 00:11:29,360 --> 00:11:31,560 Speaker 1: a lot of people don't understand it either. So that 216 00:11:31,679 --> 00:11:35,679 Speaker 1: was really tough with work and UNI again trying to 217 00:11:35,679 --> 00:11:37,480 Speaker 1: figure out how to navigate. 218 00:11:37,040 --> 00:11:39,719 Speaker 3: That money drive. So when I ask a perfect question here, 219 00:11:39,760 --> 00:11:42,480 Speaker 3: because you said that you know, OCD is not really understood, 220 00:11:42,720 --> 00:11:45,240 Speaker 3: and one of the reasons why it's not understood is 221 00:11:45,280 --> 00:11:48,800 Speaker 3: it manifests really differently for different people, so it doesn't 222 00:11:48,800 --> 00:11:51,960 Speaker 3: always look exactly the same, and there's no one quote 223 00:11:51,960 --> 00:11:53,840 Speaker 3: indicator of it. And I think that a lot of 224 00:11:53,880 --> 00:11:56,280 Speaker 3: people joke about it and say, oh my gosh, I've 225 00:11:56,280 --> 00:11:58,439 Speaker 3: got OCD. I have to clean the sink, and it's 226 00:11:58,520 --> 00:12:00,880 Speaker 3: just like, no, sit down, that not what it is. 227 00:12:00,920 --> 00:12:03,200 Speaker 3: So could you teach us a little bit about how 228 00:12:03,200 --> 00:12:06,720 Speaker 3: that might manifest for you, because obviously it is debilitating, 229 00:12:07,120 --> 00:12:09,599 Speaker 3: but that means different things to different people, and I 230 00:12:09,600 --> 00:12:11,880 Speaker 3: feel like that insight could be really powerful here. 231 00:12:13,120 --> 00:12:16,760 Speaker 1: Yeah, no, one hundred percent. It can look so significantly 232 00:12:16,800 --> 00:12:22,320 Speaker 1: different for different people. So for me, I had like 233 00:12:22,440 --> 00:12:25,400 Speaker 1: certain themes that would pop up. So the general way 234 00:12:25,440 --> 00:12:28,560 Speaker 1: that OCD works is that you have an obsessive thought 235 00:12:29,400 --> 00:12:32,280 Speaker 1: and then you feel this urge to compulse on that 236 00:12:32,400 --> 00:12:38,200 Speaker 1: obsessive thought. So one that I had was there's so many, 237 00:12:38,280 --> 00:12:41,040 Speaker 1: but one that is probably not as stressful for people 238 00:12:41,080 --> 00:12:42,920 Speaker 1: to listen to at home was that I had this 239 00:12:44,120 --> 00:12:46,960 Speaker 1: obsessive thought that I had done something in the past 240 00:12:47,040 --> 00:12:50,719 Speaker 1: to cheat on my partner. And it's the most ridiculous 241 00:12:50,760 --> 00:12:53,360 Speaker 1: thing because I knew that I hadn't, but my brain 242 00:12:53,520 --> 00:12:56,680 Speaker 1: was convincing me that I had. And then you get 243 00:12:56,720 --> 00:13:01,040 Speaker 1: into this cycle of overthinking, like I have this initial 244 00:13:01,120 --> 00:13:04,560 Speaker 1: obsessive thought, like you did something inappropriate with that guy once, 245 00:13:05,040 --> 00:13:07,600 Speaker 1: and then your brain starts to think, oh, let's get 246 00:13:07,640 --> 00:13:10,000 Speaker 1: to the bottom of this, and that's the compulsion. So 247 00:13:10,600 --> 00:13:13,400 Speaker 1: it can look like you overthinking a scenario, trying to 248 00:13:13,440 --> 00:13:15,360 Speaker 1: get to the exact bottom of a memory. It can 249 00:13:15,400 --> 00:13:17,960 Speaker 1: look like you going to your partner to try and 250 00:13:18,040 --> 00:13:21,160 Speaker 1: get feedback from them and that confirmation that no, you 251 00:13:21,160 --> 00:13:24,199 Speaker 1: didn't do anything wrong, or it could be you sitting 252 00:13:24,240 --> 00:13:26,960 Speaker 1: on your phone, like trying to search answers for hours 253 00:13:27,000 --> 00:13:29,760 Speaker 1: and hours and so many different things. So it's like 254 00:13:29,760 --> 00:13:33,000 Speaker 1: that really negative cycle, and you might think that you've 255 00:13:33,280 --> 00:13:36,280 Speaker 1: solved it, but then you've strengthened that obsessive thought and 256 00:13:36,280 --> 00:13:38,400 Speaker 1: then it comes up again and again. So the best 257 00:13:38,400 --> 00:13:41,160 Speaker 1: way to deal with it is for me, at least, 258 00:13:41,200 --> 00:13:45,400 Speaker 1: it was going to therapy and doing exposure therapy. So 259 00:13:45,559 --> 00:13:48,760 Speaker 1: it's when you're actually exposed to the things that bring 260 00:13:48,840 --> 00:13:52,559 Speaker 1: on that obsessive thought. But then you have to force 261 00:13:52,640 --> 00:13:55,880 Speaker 1: yourself to say this is OCD and not lean into 262 00:13:55,920 --> 00:14:00,520 Speaker 1: those compulsions. And it probably sounds really easy to average 263 00:14:00,880 --> 00:14:04,040 Speaker 1: lovely healthy mind out there, but it's really really hard. 264 00:14:04,600 --> 00:14:07,720 Speaker 1: So that mixed with some really good drugs that helped 265 00:14:07,760 --> 00:14:10,280 Speaker 1: with my OCD, really helped me get on top of it. 266 00:14:10,400 --> 00:14:14,840 Speaker 1: And I was very much scared of taking any type 267 00:14:14,840 --> 00:14:17,880 Speaker 1: of medication, but life changing one of the best things 268 00:14:17,880 --> 00:14:18,559 Speaker 1: I've ever done. 269 00:14:18,640 --> 00:14:21,920 Speaker 3: I feel like there's such a stigma around medication. Why 270 00:14:21,960 --> 00:14:24,160 Speaker 3: were you apprehensive to take medication. 271 00:14:24,760 --> 00:14:27,720 Speaker 1: I've been told to take it before for my anxiety, 272 00:14:27,800 --> 00:14:30,400 Speaker 1: because I've been dealing with anxiety for about a decade, 273 00:14:30,560 --> 00:14:33,200 Speaker 1: and I always just kind of thought, no, mine's not 274 00:14:33,400 --> 00:14:36,040 Speaker 1: that bad. You know, it's not bad enough. Other people 275 00:14:36,040 --> 00:14:39,960 Speaker 1: have it worse, And it's such a lie that you 276 00:14:40,080 --> 00:14:42,880 Speaker 1: tell yourself, like especially when you get to the point 277 00:14:42,920 --> 00:14:45,560 Speaker 1: if you're carrying on the bathroom floor, it's developing further 278 00:14:45,600 --> 00:14:48,360 Speaker 1: into something like OCD. And yeah, I just got to 279 00:14:48,360 --> 00:14:50,960 Speaker 1: the point where I thought, why not give bit a go, 280 00:14:51,320 --> 00:14:54,680 Speaker 1: Like it's pretty bad. If it's gonna help, it's gonna help. 281 00:14:54,680 --> 00:14:57,920 Speaker 1: And it honestly changed my life. Yeah, it's incredible. 282 00:14:58,600 --> 00:15:01,600 Speaker 3: As somebody who has had their life changed as well 283 00:15:01,600 --> 00:15:06,440 Speaker 3: by various medications for ADHD, for anxiety, for depression, I 284 00:15:06,520 --> 00:15:10,400 Speaker 3: currently take medications for all of those. I bought into 285 00:15:10,440 --> 00:15:12,680 Speaker 3: that stigma for a really long time. In fact, I 286 00:15:12,720 --> 00:15:14,840 Speaker 3: went off one of my medications for a really long 287 00:15:14,880 --> 00:15:16,480 Speaker 3: time because I was like, I don't need it, Like 288 00:15:16,520 --> 00:15:18,920 Speaker 3: I don't need to be defined by this. And now 289 00:15:19,440 --> 00:15:21,400 Speaker 3: I look at it and go, you wouldn't say to 290 00:15:21,480 --> 00:15:24,480 Speaker 3: somebody with diabetes, don't worry, don't take your insulin, like 291 00:15:24,480 --> 00:15:27,520 Speaker 3: you're better now, you're functioning fine, Like I literally have 292 00:15:27,600 --> 00:15:30,480 Speaker 3: a chemical imbalance in my brain and these medications help 293 00:15:30,600 --> 00:15:34,000 Speaker 3: fix that. I just think that, you know, things like 294 00:15:34,080 --> 00:15:36,960 Speaker 3: OCD and anxiety are dealt with in a very similar 295 00:15:37,000 --> 00:15:39,320 Speaker 3: way because most of the time, and there's obviously a 296 00:15:39,360 --> 00:15:42,960 Speaker 3: million different reasons why people have these symptoms, but for me, 297 00:15:43,320 --> 00:15:46,640 Speaker 3: it's just a brain issue. Like it is, literally I 298 00:15:46,680 --> 00:15:48,680 Speaker 3: have a chemical imbalance in my brain and that's what's 299 00:15:48,720 --> 00:15:51,480 Speaker 3: creating it. So I just fix it with a medication. 300 00:15:51,680 --> 00:15:53,680 Speaker 3: How crazy is it that I can do that and 301 00:15:53,720 --> 00:15:56,280 Speaker 3: now I get to live my best life. I'm not 302 00:15:56,400 --> 00:15:59,280 Speaker 3: advocating for everyone to jump on medication, but I just 303 00:15:59,320 --> 00:16:02,120 Speaker 3: think that sometimes the doctors do know what they're talking 304 00:16:02,160 --> 00:16:04,600 Speaker 3: about when they say, maybe you should consider. 305 00:16:04,240 --> 00:16:08,640 Speaker 1: This one hundred percent. Yes, definitely. I was just going 306 00:16:08,680 --> 00:16:12,840 Speaker 1: to say, so that was all pretty terrible, But I'm 307 00:16:12,880 --> 00:16:15,760 Speaker 1: definitely on top of it now and then moving into 308 00:16:15,800 --> 00:16:19,000 Speaker 1: this year, the money story is actually looking quite well. 309 00:16:19,120 --> 00:16:21,400 Speaker 1: So I moved cities and I ended up getting my 310 00:16:21,480 --> 00:16:25,080 Speaker 1: real dream job, and my partner and I have actually 311 00:16:25,120 --> 00:16:30,440 Speaker 1: just bought our first apartment. Thank you. Things have changed. 312 00:16:30,640 --> 00:16:31,240 Speaker 1: Things are good. 313 00:16:31,520 --> 00:16:34,240 Speaker 3: Oh my gosh. It is a journey, but it sounds 314 00:16:34,320 --> 00:16:37,080 Speaker 3: like you're on the light side of it at the moment, 315 00:16:37,120 --> 00:16:40,440 Speaker 3: which is so exciting. All right, I have so many 316 00:16:40,480 --> 00:16:42,160 Speaker 3: questions for you, but I know I want to get 317 00:16:42,200 --> 00:16:45,360 Speaker 3: through these questions first. So now I want to know. 318 00:16:45,440 --> 00:16:47,800 Speaker 3: You said you got your quote, real dream job and 319 00:16:47,880 --> 00:16:49,960 Speaker 3: you're not for profit. But what do you do for work? 320 00:16:50,040 --> 00:16:50,200 Speaker 2: Now? 321 00:16:50,240 --> 00:16:51,400 Speaker 3: How much money do you earn? 322 00:16:52,240 --> 00:16:57,000 Speaker 1: So I work in international disaster and crisis response. 323 00:16:57,160 --> 00:16:59,360 Speaker 3: Wow, what does that mean. 324 00:17:00,560 --> 00:17:04,679 Speaker 1: I am based in Australia, but I basically coordinate response 325 00:17:04,840 --> 00:17:10,720 Speaker 1: work to other countries, especially in the Asia and Pacific regions. Yeah, 326 00:17:10,840 --> 00:17:14,840 Speaker 1: it's all about mostly giving funding but also capacity development 327 00:17:14,960 --> 00:17:19,159 Speaker 1: to disaster workers in other countries and really working to 328 00:17:19,240 --> 00:17:23,280 Speaker 1: help localize responses to disasters, especially in an era of 329 00:17:23,400 --> 00:17:29,120 Speaker 1: changing climate and increasing and more unpredictable disaster event So yeah, 330 00:17:29,160 --> 00:17:33,640 Speaker 1: really moving towards away from traditional kind of humanitarian aid 331 00:17:33,680 --> 00:17:36,560 Speaker 1: models more to working with communities on the ground, which 332 00:17:36,600 --> 00:17:41,199 Speaker 1: is really exciting. And I currently earn eighty two thousand dollars, 333 00:17:41,240 --> 00:17:44,120 Speaker 1: which I only just started two weeks ago. I went 334 00:17:44,600 --> 00:17:47,240 Speaker 1: on a mini little pay rise which was very exciting. 335 00:17:47,400 --> 00:17:50,280 Speaker 3: I feel like that's a really good income for the 336 00:17:50,359 --> 00:17:52,520 Speaker 3: type of work that you do. Am I right in 337 00:17:52,560 --> 00:17:54,800 Speaker 3: saying that? I feel like in the not for profit space, 338 00:17:54,840 --> 00:17:57,600 Speaker 3: it's really common to not have very high salaries. And 339 00:17:57,640 --> 00:18:00,640 Speaker 3: I mean that's not super high, but it's a innings. 340 00:18:01,320 --> 00:18:04,119 Speaker 1: Yeah, it definitely is. I am quite lucky where I 341 00:18:04,200 --> 00:18:07,520 Speaker 1: work does pay its employees quite well for the nonprofit space. 342 00:18:07,600 --> 00:18:10,679 Speaker 1: And I started off in a lower position on about 343 00:18:10,720 --> 00:18:14,680 Speaker 1: sixty five K, but I recently just moved up into 344 00:18:14,720 --> 00:18:15,240 Speaker 1: a new role. 345 00:18:15,440 --> 00:18:19,280 Speaker 3: Oh gosh, congrats that an apartment. Oh you are killing 346 00:18:19,320 --> 00:18:22,000 Speaker 3: it at the moment. All right, I want to know, 347 00:18:22,440 --> 00:18:25,240 Speaker 3: given you've just bought your own apartment, what's now your 348 00:18:25,280 --> 00:18:27,440 Speaker 3: big money goal? What are we working towards? 349 00:18:27,760 --> 00:18:30,879 Speaker 1: So one of my biggest money goals is to pay 350 00:18:30,920 --> 00:18:34,040 Speaker 1: off our mortgage as soon as possible. So we actually 351 00:18:34,040 --> 00:18:37,560 Speaker 1: bought something that's quite cheap. So we realized that our 352 00:18:37,640 --> 00:18:42,439 Speaker 1: values isn't really property, So we only really ended up 353 00:18:42,480 --> 00:18:46,320 Speaker 1: buying because of how significantly the rental market is going up, 354 00:18:46,480 --> 00:18:49,720 Speaker 1: and we realized that buying a nice, cheap apartment would 355 00:18:49,720 --> 00:18:52,639 Speaker 1: work out really well for us, so we got the 356 00:18:52,800 --> 00:18:56,440 Speaker 1: Victorian First Home Buyers scheme. So we're planning to pay 357 00:18:56,440 --> 00:18:59,320 Speaker 1: off that contribution as soon as we can and then 358 00:19:00,000 --> 00:19:02,800 Speaker 1: start to pay that off, and my long term is 359 00:19:02,840 --> 00:19:06,880 Speaker 1: to really get into investing to set myself up for 360 00:19:07,080 --> 00:19:09,000 Speaker 1: a sustainable future as well. 361 00:19:09,200 --> 00:19:12,320 Speaker 3: Yeah wow, all right, that is super exciting. The next 362 00:19:12,400 --> 00:19:14,600 Speaker 3: question I have for you, though, is do you currently 363 00:19:14,600 --> 00:19:16,560 Speaker 3: have any investments. If so, what are they. 364 00:19:17,320 --> 00:19:20,160 Speaker 1: So I don't actually have any investments at the moment 365 00:19:20,280 --> 00:19:24,720 Speaker 1: apart from my super but it is my massive goal 366 00:19:24,880 --> 00:19:28,440 Speaker 1: in the next financial year to start building. So I'm 367 00:19:28,480 --> 00:19:32,560 Speaker 1: currently doing a lot of research into what funds I 368 00:19:32,600 --> 00:19:34,879 Speaker 1: want to put my money into. As you can probably tell, 369 00:19:34,920 --> 00:19:38,119 Speaker 1: I'm really interested in putting my money into ethical and 370 00:19:38,240 --> 00:19:42,920 Speaker 1: environmentally friendly investment funds, so it's very confusing. So I'm 371 00:19:42,920 --> 00:19:44,880 Speaker 1: doing a lot of research to try and figure out 372 00:19:44,880 --> 00:19:46,960 Speaker 1: where I want to put my money, and then that's 373 00:19:46,960 --> 00:19:51,040 Speaker 1: my plan to kind of start really significantly building that 374 00:19:51,119 --> 00:19:52,359 Speaker 1: up in the next couple of years. 375 00:19:52,480 --> 00:19:55,160 Speaker 3: I'm not surprised to hear that in the slightest given 376 00:19:55,200 --> 00:19:58,199 Speaker 3: what you've told me, especially about your career. But it 377 00:19:58,359 --> 00:20:00,960 Speaker 3: is a really prickly position to be in at the 378 00:20:00,960 --> 00:20:04,800 Speaker 3: moment because ethical doesn't necessarily mean ethical in the way 379 00:20:04,840 --> 00:20:07,960 Speaker 3: that you would accept it, and so there's a lot of, 380 00:20:08,240 --> 00:20:11,639 Speaker 3: you know, conversation going on about greenwashing at the moment. 381 00:20:11,680 --> 00:20:13,080 Speaker 3: In fact, if you want to go back, I don't 382 00:20:13,119 --> 00:20:15,560 Speaker 3: know if you've been through the pod that deeply yet, 383 00:20:15,600 --> 00:20:18,280 Speaker 3: but we did an entire episode of what greenwashing is, 384 00:20:18,320 --> 00:20:20,720 Speaker 3: how it works, and how to pick investments that align 385 00:20:20,760 --> 00:20:22,800 Speaker 3: to your values, which I'm a bit biased, but I 386 00:20:22,800 --> 00:20:24,760 Speaker 3: think it was a good episode, Like I don't think 387 00:20:24,760 --> 00:20:28,920 Speaker 3: it was too bad. But moving on, who mentioned your mortgage. 388 00:20:28,920 --> 00:20:30,760 Speaker 3: I want to know more about that, But I also 389 00:20:30,800 --> 00:20:32,840 Speaker 3: want to know do you have any other debts? If so, 390 00:20:32,960 --> 00:20:33,639 Speaker 3: what are they. 391 00:20:34,320 --> 00:20:36,720 Speaker 1: So apart from the mortgage. The only other debt that 392 00:20:36,760 --> 00:20:39,920 Speaker 1: I have is my hextet, which is rather large given 393 00:20:39,960 --> 00:20:42,680 Speaker 1: in my master's degree. But I will credit my mum 394 00:20:42,760 --> 00:20:45,399 Speaker 1: for that one, because I remember watching a news story 395 00:20:45,440 --> 00:20:48,040 Speaker 1: with her one morning. It was about credit cards, and 396 00:20:48,080 --> 00:20:50,000 Speaker 1: she was telling me how terrible they were, and I 397 00:20:50,040 --> 00:20:53,159 Speaker 1: remember at that moment at like five, I was like, no, 398 00:20:53,280 --> 00:20:56,080 Speaker 1: I'm never having one of those. So shout out to 399 00:20:56,160 --> 00:20:56,720 Speaker 1: mum for that. 400 00:20:57,480 --> 00:20:59,480 Speaker 3: Shout out to five year old you for making the 401 00:20:59,520 --> 00:21:01,919 Speaker 3: decisions not get a credit card when you're older, Like 402 00:21:01,960 --> 00:21:03,960 Speaker 3: that is not what I was thinking of when I 403 00:21:04,000 --> 00:21:06,360 Speaker 3: was five. I think I was just convinced that one 404 00:21:06,440 --> 00:21:09,280 Speaker 3: day I would meet the red Wiggle. So you are 405 00:21:09,359 --> 00:21:12,119 Speaker 3: definitely miles ahead of me thinking about credit cards. It 406 00:21:12,119 --> 00:21:14,840 Speaker 3: makes absolute sense that you're in such a good position. Now. 407 00:21:15,560 --> 00:21:18,240 Speaker 3: Talk to me about your mortgage though, I want to 408 00:21:18,240 --> 00:21:20,080 Speaker 3: know how much is left on that and how you're 409 00:21:20,119 --> 00:21:20,800 Speaker 3: paying it off. 410 00:21:20,920 --> 00:21:24,800 Speaker 1: Definitely. So it's literally just started. So we're actually moving 411 00:21:24,800 --> 00:21:25,639 Speaker 1: in next week. 412 00:21:25,840 --> 00:21:29,679 Speaker 3: Oh my gosh, exciting. Welcome to debt life. 413 00:21:30,280 --> 00:21:33,480 Speaker 1: Oh yeah, it's very chaotic at the moment. So we've 414 00:21:33,520 --> 00:21:36,040 Speaker 1: got quite a small mortgage. It's only three hundred and 415 00:21:36,080 --> 00:21:40,479 Speaker 1: fifty K, and we got about twenty percent of it 416 00:21:40,600 --> 00:21:43,080 Speaker 1: through the Victorian Home by a scheme as well, so 417 00:21:43,119 --> 00:21:46,040 Speaker 1: we actually got a significant reduction in our interest rate 418 00:21:46,520 --> 00:21:48,440 Speaker 1: and we didn't have to pay stamp duty because we're 419 00:21:48,440 --> 00:21:52,359 Speaker 1: in Victoria. So we were so lucky in getting this mortgage. 420 00:21:52,600 --> 00:21:55,520 Speaker 3: So money Diarist before you said, you use the Victorian 421 00:21:55,600 --> 00:21:57,919 Speaker 3: home by a fund, which I actually think is really 422 00:21:57,960 --> 00:22:00,800 Speaker 3: important to mention here because you one of your goals 423 00:22:00,880 --> 00:22:03,160 Speaker 3: is to pay off your mortgage as soon as possible, 424 00:22:03,440 --> 00:22:06,080 Speaker 3: and obviously for some people that actually isn't the best 425 00:22:06,119 --> 00:22:09,040 Speaker 3: financial decision, but for you it definitely is going to 426 00:22:09,080 --> 00:22:12,600 Speaker 3: be because this fund actually enables you to have like 427 00:22:12,640 --> 00:22:15,520 Speaker 3: a five percent deposit and then the Victorian government could 428 00:22:15,680 --> 00:22:17,960 Speaker 3: or can contribute up to twenty five percent of the 429 00:22:18,000 --> 00:22:21,520 Speaker 3: purchase price in exchange for an equivalent share of the property, 430 00:22:21,800 --> 00:22:24,840 Speaker 3: which means with this scheme, you probably want to pay 431 00:22:24,840 --> 00:22:26,879 Speaker 3: back your mortgage asap so that you can buy the 432 00:22:26,920 --> 00:22:28,120 Speaker 3: government out. Is that right? 433 00:22:28,800 --> 00:22:32,119 Speaker 1: Yep, that's basically it. So we got about twenty percent 434 00:22:32,200 --> 00:22:36,000 Speaker 1: of our mortgage through this scheme and we actually have 435 00:22:36,080 --> 00:22:38,600 Speaker 1: to live in it full time until we've paid the 436 00:22:38,640 --> 00:22:40,840 Speaker 1: government out of it, so that is one of our 437 00:22:40,840 --> 00:22:43,480 Speaker 1: biggest goals to pay off that. It's about eighty five 438 00:22:43,520 --> 00:22:46,520 Speaker 1: thousand dollars for us, So to get that paid off 439 00:22:46,600 --> 00:22:49,960 Speaker 1: so that we can actually move overseas eventually as the goal. 440 00:22:50,200 --> 00:22:53,280 Speaker 1: So that's definitely the plan at the moment. But still 441 00:22:53,359 --> 00:22:56,000 Speaker 1: it's an amazing scheme for us in our position at 442 00:22:56,000 --> 00:22:56,919 Speaker 1: the same time. 443 00:22:56,840 --> 00:22:59,439 Speaker 3: Yeah, how did you learn about that? I feel like 444 00:22:59,520 --> 00:23:02,760 Speaker 3: this is why one of the lesser conversed about schemes. 445 00:23:03,200 --> 00:23:04,800 Speaker 3: And when you mentioned it, I was like, Oh, do 446 00:23:04,840 --> 00:23:06,919 Speaker 3: you mean the first home Buyer scheme or do you 447 00:23:06,960 --> 00:23:09,040 Speaker 3: mean the fund? I mean you were definitely talking about 448 00:23:09,080 --> 00:23:11,080 Speaker 3: the fund, So I want to know more. Let's use 449 00:23:11,119 --> 00:23:14,280 Speaker 3: this time to educate the community. How did you get involved, 450 00:23:14,280 --> 00:23:16,080 Speaker 3: how did you sign up, and how did you decide 451 00:23:16,080 --> 00:23:17,720 Speaker 3: that it was the right thing for you guys. 452 00:23:18,440 --> 00:23:21,240 Speaker 1: So it's actually a very funny story how we found 453 00:23:21,280 --> 00:23:24,720 Speaker 1: out about it. So we actually thought that we were 454 00:23:24,720 --> 00:23:28,399 Speaker 1: going to apply for the wider federal government first home 455 00:23:28,400 --> 00:23:31,760 Speaker 1: Buyer Scheme, and we really wanted to go with a 456 00:23:31,800 --> 00:23:35,040 Speaker 1: particular bank that suited our kind of like environmental and 457 00:23:35,080 --> 00:23:38,720 Speaker 1: ethical stance. So we reached out to this bank. I 458 00:23:38,800 --> 00:23:41,440 Speaker 1: thought we were applying for the scheme, and then they 459 00:23:41,480 --> 00:23:44,440 Speaker 1: came back and all the documents were saying the Victorian 460 00:23:44,480 --> 00:23:46,840 Speaker 1: Home buy A Fund and we were like, that sounds 461 00:23:46,880 --> 00:23:49,400 Speaker 1: a little bit different. What are we applying for here? 462 00:23:51,040 --> 00:23:53,200 Speaker 1: And then we looked into it and we were like, oh, 463 00:23:53,359 --> 00:23:56,320 Speaker 1: for our circumstances, this is way better than what we 464 00:23:56,359 --> 00:23:59,520 Speaker 1: would have been getting with the other scheme, so it 465 00:23:59,560 --> 00:24:02,920 Speaker 1: worked out really well for us. And because we're buying 466 00:24:02,920 --> 00:24:07,080 Speaker 1: an apartment, the value of our property isn't going to 467 00:24:07,080 --> 00:24:09,879 Speaker 1: go up significantly like a house might, so we're not 468 00:24:09,920 --> 00:24:12,399 Speaker 1: as stressed about the government owning a percentage of the 469 00:24:12,440 --> 00:24:14,600 Speaker 1: property as what we might be if it was a house. 470 00:24:15,040 --> 00:24:17,720 Speaker 1: So it does work really well for us in the 471 00:24:17,760 --> 00:24:20,760 Speaker 1: stance where we've got such a small mortgage and a 472 00:24:20,880 --> 00:24:23,679 Speaker 1: property that blackly won't go up too much in the 473 00:24:23,720 --> 00:24:24,879 Speaker 1: next five ten years. 474 00:24:25,040 --> 00:24:27,440 Speaker 3: Yeah, And I feel like that's a really valid consideration 475 00:24:27,560 --> 00:24:29,600 Speaker 3: because that's one of the things that I was like, Oh, 476 00:24:29,800 --> 00:24:31,719 Speaker 3: I'm not sure how much I want the government to 477 00:24:31,760 --> 00:24:35,120 Speaker 3: own my property, given in my area. Honestly, so many 478 00:24:35,200 --> 00:24:37,679 Speaker 3: houses have gone up by like two hundred thousand dollars 479 00:24:37,680 --> 00:24:39,439 Speaker 3: in the last three or four years, So for me, 480 00:24:39,560 --> 00:24:41,520 Speaker 3: I was like, Oh, that's risky because then I'd owe 481 00:24:41,520 --> 00:24:44,199 Speaker 3: them more. And I feel like you have approached it 482 00:24:44,240 --> 00:24:47,040 Speaker 3: really smartly in saying that I'm glad it worked out 483 00:24:47,040 --> 00:24:49,000 Speaker 3: well for you. But this is a very good lesson 484 00:24:49,119 --> 00:24:50,879 Speaker 3: that you should never go straight to a bank, and 485 00:24:50,920 --> 00:24:53,359 Speaker 3: you absolutely should go to a mortgage broker and have 486 00:24:53,440 --> 00:24:57,160 Speaker 3: a chat to them. Obviously I'm being a bit biased here. 487 00:24:57,280 --> 00:24:59,920 Speaker 3: I own Zella Money and I adore the brokers there, 488 00:25:00,040 --> 00:25:02,240 Speaker 3: but they would teach you all of this and put 489 00:25:02,280 --> 00:25:04,080 Speaker 3: you on the right track to get into the right 490 00:25:04,160 --> 00:25:06,439 Speaker 3: scheme and even apply for you. So if you've been 491 00:25:06,440 --> 00:25:08,600 Speaker 3: thinking about it, definitely get in contact with a broker 492 00:25:08,600 --> 00:25:10,280 Speaker 3: because it will be one of the best things that 493 00:25:10,320 --> 00:25:12,480 Speaker 3: you can do. I mean, I'm glad it worked out 494 00:25:12,480 --> 00:25:14,320 Speaker 3: for you, though Money direst it sounds like it was 495 00:25:14,359 --> 00:25:15,440 Speaker 3: a perfect outcome. 496 00:25:15,960 --> 00:25:19,840 Speaker 1: Yeah, it definitely worked out well. But considering the stress 497 00:25:19,880 --> 00:25:22,679 Speaker 1: of filling out different documents and trying to think of 498 00:25:22,720 --> 00:25:26,080 Speaker 1: where things are at in application processes, I would also 499 00:25:26,240 --> 00:25:29,320 Speaker 1: recommend going to the broker, and I will next time. 500 00:25:30,240 --> 00:25:32,600 Speaker 3: I love that, all right, Moving on, I want to 501 00:25:32,600 --> 00:25:35,880 Speaker 3: know if you're shopping online, do you currently use shop back? 502 00:25:36,920 --> 00:25:39,560 Speaker 1: So I actually use shot back for the first time 503 00:25:40,040 --> 00:25:41,000 Speaker 1: about three weeks ago. 504 00:25:41,240 --> 00:25:43,560 Speaker 3: What a queen was it? Because you knew you were 505 00:25:43,560 --> 00:25:45,600 Speaker 3: going to get asked this question on the podcast? 506 00:25:45,960 --> 00:25:49,159 Speaker 1: No, No, I promise it wasn't. I actually wanted to 507 00:25:49,160 --> 00:25:52,440 Speaker 1: buy some new swimwear and I usually don't shop online 508 00:25:52,520 --> 00:25:55,199 Speaker 1: very often, but I have heard so much good things 509 00:25:55,280 --> 00:25:58,679 Speaker 1: about shot back through the pod and I went on 510 00:25:58,840 --> 00:26:01,240 Speaker 1: just to kind of suss out type of swimmers I 511 00:26:01,240 --> 00:26:03,119 Speaker 1: could find, and I ended up finding a pair that 512 00:26:03,160 --> 00:26:05,720 Speaker 1: I really liked, and I think I saved about twenty. 513 00:26:05,440 --> 00:26:07,360 Speaker 3: Dollars, so I was like, great, oh money win. 514 00:26:07,600 --> 00:26:08,360 Speaker 1: It was perfect. 515 00:26:08,760 --> 00:26:10,720 Speaker 3: I mean, it sounds a bit ballsy of you to 516 00:26:10,760 --> 00:26:13,000 Speaker 3: be buying swimwear online. I don't think I could ever 517 00:26:13,119 --> 00:26:16,240 Speaker 3: do that. Swimwear shopping is my worst thing, like it 518 00:26:16,320 --> 00:26:18,800 Speaker 3: is the worst. I hate swimwear shopping. But to think 519 00:26:18,800 --> 00:26:21,440 Speaker 3: that I couldn't try it on beforehand, Like my friend 520 00:26:21,440 --> 00:26:24,560 Speaker 3: props to you. You deserved that discount one thousand percent. 521 00:26:25,400 --> 00:26:27,800 Speaker 3: I want to know, next, though, what is your best 522 00:26:27,960 --> 00:26:28,639 Speaker 3: money habit? 523 00:26:30,119 --> 00:26:32,480 Speaker 1: So I would actually say that my best money habit 524 00:26:32,800 --> 00:26:35,560 Speaker 1: stems from when I was younger and we didn't have 525 00:26:35,680 --> 00:26:38,480 Speaker 1: a lot of disposable income, in that I'm not really 526 00:26:38,560 --> 00:26:41,520 Speaker 1: a big spender. It used to be probably a little 527 00:26:41,520 --> 00:26:43,359 Speaker 1: bit more of a toxic trait in that I would 528 00:26:43,359 --> 00:26:46,280 Speaker 1: never spend any money on myself. But I've got to 529 00:26:46,320 --> 00:26:49,119 Speaker 1: a point where I really only just buy the things 530 00:26:49,160 --> 00:26:52,520 Speaker 1: that I want. So I bought swimmers because I genuinely 531 00:26:52,560 --> 00:26:56,439 Speaker 1: needed them, and I also get all of my clothes, 532 00:26:56,480 --> 00:26:58,760 Speaker 1: I'd say about ninety five percent of my clothes from 533 00:26:58,880 --> 00:27:01,119 Speaker 1: op shops, which my mum instilled in me when I 534 00:27:01,160 --> 00:27:02,600 Speaker 1: was young. I like to say that I was op 535 00:27:02,640 --> 00:27:05,639 Speaker 1: shopping before it was trendy, and it's easily one of 536 00:27:05,720 --> 00:27:08,560 Speaker 1: my best money habits. I find so many bargains, it's amazing. 537 00:27:08,840 --> 00:27:11,200 Speaker 3: I love that. I feel like it takes a lot 538 00:27:11,240 --> 00:27:14,879 Speaker 3: of time, though, to like find the right outfits. What 539 00:27:14,960 --> 00:27:17,960 Speaker 3: are your best hacks for going op shopping. 540 00:27:18,040 --> 00:27:19,800 Speaker 1: Or I have so many good hacks. So you've got 541 00:27:19,840 --> 00:27:24,119 Speaker 1: to find which op shops kind of suit your particular style, 542 00:27:24,240 --> 00:27:27,080 Speaker 1: which I know sounds a bit extreme, but you'll get 543 00:27:27,119 --> 00:27:29,199 Speaker 1: a vibe when you figure out which op shops are 544 00:27:29,240 --> 00:27:33,120 Speaker 1: around you, which ones kind of stock certain things. And 545 00:27:33,400 --> 00:27:35,520 Speaker 1: my biggest tip actually is to have an idea in 546 00:27:35,560 --> 00:27:37,840 Speaker 1: mind what you actually want. I think when people go 547 00:27:37,920 --> 00:27:40,119 Speaker 1: op shopping, they just think it's an op shop, so 548 00:27:40,160 --> 00:27:41,840 Speaker 1: I'll just kind of pick up what I could find. 549 00:27:42,320 --> 00:27:44,399 Speaker 1: But if you go in with like a mentality of 550 00:27:44,480 --> 00:27:47,120 Speaker 1: I really want a new skirt, you know what colors 551 00:27:47,400 --> 00:27:49,720 Speaker 1: you like to wear, you know what style you like 552 00:27:49,800 --> 00:27:52,320 Speaker 1: to wear, it's just so much easier to just flick 553 00:27:52,359 --> 00:27:55,360 Speaker 1: through the shelves, figure out and then just go from there. 554 00:27:55,440 --> 00:27:57,639 Speaker 1: It makes it much quicker, and you're more likely to 555 00:27:57,680 --> 00:28:00,960 Speaker 1: find those like really high quality items that will last 556 00:28:01,000 --> 00:28:03,080 Speaker 1: you ages and only cost you like ten dollars. 557 00:28:03,320 --> 00:28:06,400 Speaker 3: Yeah, money whin. I love that? All right, Well, let's 558 00:28:06,400 --> 00:28:08,160 Speaker 3: take the mood down a little bit. I now want 559 00:28:08,160 --> 00:28:10,200 Speaker 3: to know what is your worst money habit. 560 00:28:10,600 --> 00:28:14,120 Speaker 1: So my worst money habit is easily spending way too 561 00:28:14,160 --> 00:28:16,240 Speaker 1: much money on food, which I think seems to be 562 00:28:16,280 --> 00:28:18,359 Speaker 1: quite a common theme for money diarist. 563 00:28:18,480 --> 00:28:20,560 Speaker 3: I can resonate with that too, Let's be honest. 564 00:28:20,880 --> 00:28:24,639 Speaker 1: Yeah, I spend nearly i'd say eighty percent of my 565 00:28:24,720 --> 00:28:28,520 Speaker 1: social money in my social basket each week just on food, 566 00:28:28,640 --> 00:28:31,560 Speaker 1: take out, all that kind of thing. It's something that 567 00:28:31,600 --> 00:28:34,520 Speaker 1: I'm really trying to work on, trying to put in place, 568 00:28:34,560 --> 00:28:37,120 Speaker 1: things like going for a picnic as opposed to going 569 00:28:37,119 --> 00:28:39,800 Speaker 1: out for dinner with my partner and spending ninety dollars 570 00:28:39,880 --> 00:28:42,440 Speaker 1: just on dinner. But yeah, it's a tough one, especially 571 00:28:42,440 --> 00:28:44,640 Speaker 1: after a big week at work, easy to just want 572 00:28:44,640 --> 00:28:47,120 Speaker 1: to go out, especially with daylight saving makes it so 573 00:28:47,200 --> 00:28:47,720 Speaker 1: much harder. 574 00:28:47,800 --> 00:28:50,560 Speaker 3: Oh it does, doesn't it. I have been so guilty 575 00:28:50,600 --> 00:28:52,240 Speaker 3: of that now I'm like, oh, well, why don't we 576 00:28:52,280 --> 00:28:54,360 Speaker 3: just pop out for a wine on a Thursday night. 577 00:28:54,440 --> 00:28:56,880 Speaker 3: It's still so light, it's still so nice, And then 578 00:28:56,960 --> 00:28:59,440 Speaker 3: my bank accounts so like, why, Victoria. 579 00:28:59,080 --> 00:29:01,640 Speaker 1: Why one hundred percent? Yeah? 580 00:29:02,120 --> 00:29:04,560 Speaker 3: All right, last question before we go to a really 581 00:29:04,600 --> 00:29:06,720 Speaker 3: quick break, I want to know what grade would you 582 00:29:06,760 --> 00:29:08,760 Speaker 3: give your money habits if we forced you to give 583 00:29:08,760 --> 00:29:09,600 Speaker 3: yourself a grade. 584 00:29:10,440 --> 00:29:13,080 Speaker 1: I think at the moment, I would probably give myself 585 00:29:13,160 --> 00:29:17,840 Speaker 1: maybe like a C C plus. But I'm really hoping 586 00:29:17,880 --> 00:29:19,719 Speaker 1: that by the time I can get on top of 587 00:29:19,720 --> 00:29:22,560 Speaker 1: my investments, now that I'm in a full time, steady 588 00:29:22,560 --> 00:29:25,640 Speaker 1: income and I've got this lovely mortgage in my life, 589 00:29:26,080 --> 00:29:27,680 Speaker 1: I'm hoping that by the end of this year, I 590 00:29:27,760 --> 00:29:29,400 Speaker 1: want to be able to say that I'm more of 591 00:29:29,400 --> 00:29:29,640 Speaker 1: a B. 592 00:29:30,160 --> 00:29:32,440 Speaker 3: I love that. What would it take to get you 593 00:29:32,520 --> 00:29:33,320 Speaker 3: even higher? 594 00:29:34,640 --> 00:29:39,000 Speaker 1: I think even higher than that would be having really 595 00:29:39,040 --> 00:29:44,000 Speaker 1: steady investing money going in, but also having a balance 596 00:29:44,080 --> 00:29:47,960 Speaker 1: between not getting too fixated on just building that. Having 597 00:29:48,560 --> 00:29:51,320 Speaker 1: money going towards travel and other things as well. I 598 00:29:51,320 --> 00:29:53,480 Speaker 1: think would really build me up, and I'd be happier 599 00:29:53,520 --> 00:29:55,240 Speaker 1: to say it was more of a B or an A. 600 00:29:55,760 --> 00:29:58,120 Speaker 3: I feel like you're on the right path. Though sometimes 601 00:29:58,160 --> 00:30:01,000 Speaker 3: when I ask money diarists what it would take, they 602 00:30:01,040 --> 00:30:03,920 Speaker 3: have these big, extraordinary plans that you know, they're not 603 00:30:03,960 --> 00:30:07,160 Speaker 3: currently implementing. I feel like you're definitely en route to 604 00:30:07,240 --> 00:30:10,560 Speaker 3: that outcome, So let's leave it there. We are going 605 00:30:10,600 --> 00:30:12,960 Speaker 3: to go to a really quick break, and then afterwards, 606 00:30:13,040 --> 00:30:14,440 Speaker 3: I'm going to take you all the way back to 607 00:30:14,440 --> 00:30:17,280 Speaker 3: the start of this money diary when you mentioned scarcity mindset, 608 00:30:17,320 --> 00:30:20,040 Speaker 3: because I want to deep dive into that. Don't go anywhere, guys, 609 00:30:24,560 --> 00:30:28,200 Speaker 3: all right, we are back money Diarist. I am really 610 00:30:28,240 --> 00:30:30,520 Speaker 3: excited to ask you about this because it is something 611 00:30:30,520 --> 00:30:32,840 Speaker 3: that I have spoken about a lot historically, but I 612 00:30:32,920 --> 00:30:35,959 Speaker 3: haven't recently, so I want to dive back into it. 613 00:30:36,000 --> 00:30:39,560 Speaker 3: You mentioned before that until you listened to the pod, 614 00:30:40,120 --> 00:30:42,800 Speaker 3: you hadn't really identified that you kind of grew up 615 00:30:42,840 --> 00:30:45,719 Speaker 3: with a scarcity mindset, and I feel like this is 616 00:30:45,920 --> 00:30:48,920 Speaker 3: a mindset that is really common in our community and 617 00:30:49,000 --> 00:30:51,760 Speaker 3: not often identified, and when it is, you feel a 618 00:30:51,760 --> 00:30:54,440 Speaker 3: lot more powerful. Can you tell me maybe a little 619 00:30:54,480 --> 00:30:58,040 Speaker 3: bit about where your scarcity mindset came from and what 620 00:30:58,280 --> 00:31:02,000 Speaker 3: it meant to be able to identify how that's impacted you. 621 00:31:02,440 --> 00:31:06,400 Speaker 1: Definitely, so as I mentioned. When I was growing up, 622 00:31:06,520 --> 00:31:10,640 Speaker 1: we definitely weren't super well off. My parents both worked 623 00:31:10,760 --> 00:31:14,800 Speaker 1: very just kind of average jobs, I guess in terms 624 00:31:14,840 --> 00:31:19,320 Speaker 1: of income, and they were doing their best raising three kids, 625 00:31:19,480 --> 00:31:24,440 Speaker 1: working really long hours and just getting us by, and 626 00:31:24,920 --> 00:31:27,400 Speaker 1: in general, I never felt like I was going without. 627 00:31:27,560 --> 00:31:30,200 Speaker 1: But at the same time, I knew that I didn't 628 00:31:30,240 --> 00:31:33,920 Speaker 1: have the money that my friends had, if that makes sense. 629 00:31:34,000 --> 00:31:37,600 Speaker 1: So like friends would go on extravagant holidays or always 630 00:31:37,640 --> 00:31:40,760 Speaker 1: have like new surf brand gear, which was really cool 631 00:31:40,800 --> 00:31:41,560 Speaker 1: when I was younger. 632 00:31:41,640 --> 00:31:43,600 Speaker 3: Ah, it was cool when I was younger too, Like 633 00:31:43,640 --> 00:31:45,440 Speaker 3: it was hot topic in my family to get a 634 00:31:45,480 --> 00:31:48,320 Speaker 3: rip curl pencil case because I didn't have one, and 635 00:31:48,360 --> 00:31:51,200 Speaker 3: it's all I wanted, and it was like my favorite 636 00:31:51,280 --> 00:31:53,800 Speaker 3: Christmas present one year. So I resonate with that. 637 00:31:54,080 --> 00:31:56,600 Speaker 1: Yep, and that was like the big thing. And I 638 00:31:56,640 --> 00:31:59,560 Speaker 1: really just kind of got used to knowing that I 639 00:31:59,560 --> 00:32:02,680 Speaker 1: wouldn't like my mum if I could have a particular 640 00:32:02,760 --> 00:32:05,400 Speaker 1: jacket from the surf Store and I couldn't have the 641 00:32:05,440 --> 00:32:08,080 Speaker 1: brand name Musleybars, we would get the home brand ones. 642 00:32:08,120 --> 00:32:12,200 Speaker 1: And I never thought too much about it until I'd 643 00:32:12,200 --> 00:32:15,320 Speaker 1: say my first two years of UNI, when I would 644 00:32:15,360 --> 00:32:18,320 Speaker 1: be with my partner in a shopping center and he 645 00:32:18,360 --> 00:32:20,680 Speaker 1: would be buying like a new shirt or something that 646 00:32:20,680 --> 00:32:23,640 Speaker 1: would say eighty dollars, and I would just freeze and 647 00:32:23,680 --> 00:32:26,920 Speaker 1: be like, how could you spend eighty dollars on a shirt? 648 00:32:27,000 --> 00:32:30,600 Speaker 1: Like I would just be horrified. And he always used 649 00:32:30,640 --> 00:32:33,640 Speaker 1: to mention like, like, are you okay, Like that's weird 650 00:32:33,680 --> 00:32:36,000 Speaker 1: that you're freaking out about this, and I feel like, no, 651 00:32:36,200 --> 00:32:38,880 Speaker 1: you're just like you shouldn't spend all this money. And 652 00:32:39,200 --> 00:32:43,080 Speaker 1: it probably wasn't until I'd say I properly started listening 653 00:32:43,160 --> 00:32:47,080 Speaker 1: to the podcast and hearing some of the episodes about 654 00:32:47,240 --> 00:32:50,480 Speaker 1: kind of how your childhood changes your money story, and 655 00:32:50,480 --> 00:32:54,760 Speaker 1: I was like, oh, that clicks in. Maybe that's why 656 00:32:54,760 --> 00:32:57,040 Speaker 1: I'd never let myself kind of go on that trip, 657 00:32:57,160 --> 00:32:59,880 Speaker 1: or maybe that makes sense why I've never really bought 658 00:33:00,120 --> 00:33:03,080 Speaker 1: myself like that new dress when I really wanted something, 659 00:33:03,200 --> 00:33:05,360 Speaker 1: or kind of just missed out on things that I 660 00:33:05,400 --> 00:33:07,719 Speaker 1: didn't need to even when I did have the money, 661 00:33:08,040 --> 00:33:10,600 Speaker 1: and always having that fear of like, if you make 662 00:33:10,680 --> 00:33:14,320 Speaker 1: this decision, it's gone then and then money's gone forever, 663 00:33:14,440 --> 00:33:17,280 Speaker 1: and it was always so scary. So I think the 664 00:33:17,320 --> 00:33:20,400 Speaker 1: power in just Recognizing that you have that mindset is 665 00:33:20,480 --> 00:33:23,880 Speaker 1: so important to then be able to overcome it and 666 00:33:24,240 --> 00:33:28,040 Speaker 1: just kind of change the way that I view money, 667 00:33:28,080 --> 00:33:30,680 Speaker 1: which is a slow thing. It's definitely not overnight, but 668 00:33:31,120 --> 00:33:33,800 Speaker 1: I can tell that it's changed significantly even in the 669 00:33:33,840 --> 00:33:35,240 Speaker 1: last like five six years. 670 00:33:35,600 --> 00:33:37,560 Speaker 3: I love that, and I love that you've been able 671 00:33:37,600 --> 00:33:40,120 Speaker 3: to identify it and kind of go, well, that doesn't 672 00:33:40,200 --> 00:33:41,960 Speaker 3: have to be the way that I live my life 673 00:33:42,000 --> 00:33:44,000 Speaker 3: in the future. I mean, it doesn't mean you need 674 00:33:44,040 --> 00:33:46,040 Speaker 3: to go out and buy eighty dollar shirts for yourself 675 00:33:46,080 --> 00:33:48,440 Speaker 3: now to justify it and say that you're over it. 676 00:33:48,760 --> 00:33:51,600 Speaker 3: But it definitely is really good to identify because I 677 00:33:51,600 --> 00:33:53,600 Speaker 3: feel like it opens you up to have more of 678 00:33:53,640 --> 00:33:56,400 Speaker 3: a growth mindset, and that's what you need to be 679 00:33:56,440 --> 00:33:58,600 Speaker 3: able to create wealth. And like it sounds like you're 680 00:33:58,600 --> 00:34:01,400 Speaker 3: on the track to do that. You've thought about what 681 00:34:01,440 --> 00:34:03,400 Speaker 3: it looks like in the rental market and decided to 682 00:34:03,400 --> 00:34:05,680 Speaker 3: buy a property and found the best outcome for you, 683 00:34:05,760 --> 00:34:08,160 Speaker 3: and I feel like you're killing it, and I'm very 684 00:34:08,200 --> 00:34:11,200 Speaker 3: excited to whatch you grow. I want to go back 685 00:34:11,239 --> 00:34:13,280 Speaker 3: and actually want to talk about your dad. He sounds 686 00:34:13,320 --> 00:34:16,680 Speaker 3: like a really special human. Obviously you adored him to 687 00:34:16,719 --> 00:34:20,279 Speaker 3: spend one week every single month with him. But I 688 00:34:20,320 --> 00:34:22,239 Speaker 3: want to know how that took a bit of a 689 00:34:22,280 --> 00:34:25,440 Speaker 3: toll on you financially, because to say I'm going to 690 00:34:25,440 --> 00:34:28,279 Speaker 3: travel to my family home and spend a week there 691 00:34:28,400 --> 00:34:32,040 Speaker 3: every single month like that, obviously isn't the easiest decision 692 00:34:32,080 --> 00:34:35,080 Speaker 3: to make, and I would argue might have been a 693 00:34:35,120 --> 00:34:38,560 Speaker 3: bit financially taxing. Can you talk to us about how 694 00:34:38,600 --> 00:34:41,640 Speaker 3: you made that decision and how you supported yourself during 695 00:34:41,640 --> 00:34:42,160 Speaker 3: that time. 696 00:34:43,080 --> 00:34:47,960 Speaker 1: Yeah, so it was definitely a huge financial I don't 697 00:34:48,000 --> 00:34:50,040 Speaker 1: want to say burden, because it wasn't a burden. 698 00:34:50,080 --> 00:34:52,320 Speaker 3: It's the wrong word. Isn't an impact? 699 00:34:52,560 --> 00:34:55,720 Speaker 1: Yeah, it definitely had a huge financial impact in terms 700 00:34:55,719 --> 00:34:59,000 Speaker 1: of draining the little savings that I did have, and 701 00:34:59,640 --> 00:35:02,680 Speaker 1: inter of having to put off part time hours because 702 00:35:02,680 --> 00:35:05,120 Speaker 1: I was working part time while I'm doing my Masters 703 00:35:05,200 --> 00:35:09,799 Speaker 1: to travel. But the funny thing was there was never 704 00:35:09,880 --> 00:35:14,200 Speaker 1: a decision. I never made a decision about it. I 705 00:35:14,280 --> 00:35:18,000 Speaker 1: literally got that original phone call from my mum to say, 706 00:35:18,120 --> 00:35:20,319 Speaker 1: this time we've found out there's only a few months 707 00:35:20,400 --> 00:35:23,560 Speaker 1: to go. And I actually had work on that day. 708 00:35:23,680 --> 00:35:25,719 Speaker 1: I had a workshop that I was running for this 709 00:35:25,800 --> 00:35:29,759 Speaker 1: volunteering that I did and I just texted everyone that 710 00:35:29,800 --> 00:35:32,600 Speaker 1: I was doing things with the next few days and said, look, 711 00:35:32,640 --> 00:35:34,880 Speaker 1: this has happened. I have to go. And all of 712 00:35:34,920 --> 00:35:37,840 Speaker 1: a sudden, my whole schedule was cleared, and it was just, 713 00:35:38,480 --> 00:35:41,680 Speaker 1: in itself, a really profound moment of Oh, my goodness, 714 00:35:42,160 --> 00:35:44,520 Speaker 1: all of this stuff that I put so much energy into. 715 00:35:44,880 --> 00:35:48,160 Speaker 1: It's important, but it's not the most important thing to 716 00:35:48,239 --> 00:35:50,799 Speaker 1: me that my schedule can be cleared that quickly, and 717 00:35:50,800 --> 00:35:55,439 Speaker 1: that people are so understanding, And yeah, I genuinely never 718 00:35:55,480 --> 00:35:58,680 Speaker 1: made the decision as such. It was just I need 719 00:35:58,680 --> 00:36:01,200 Speaker 1: to be there for my family. Lucky enough that I'm 720 00:36:01,239 --> 00:36:04,160 Speaker 1: in a casual job so I have that flexibility, which 721 00:36:04,200 --> 00:36:06,400 Speaker 1: I wouldn't have if it had been this year, so 722 00:36:06,680 --> 00:36:09,040 Speaker 1: it would have been a whole different story. And I 723 00:36:09,160 --> 00:36:13,120 Speaker 1: had that supportive friends and my partner and my family. 724 00:36:13,960 --> 00:36:17,240 Speaker 1: When I did have particular financial struggles, my partner stepped 725 00:36:17,280 --> 00:36:19,400 Speaker 1: up or my family stepped in a couple of times 726 00:36:19,400 --> 00:36:23,360 Speaker 1: as well. So I was genuinely so lucky as well 727 00:36:23,480 --> 00:36:24,160 Speaker 1: going through that. 728 00:36:24,680 --> 00:36:27,520 Speaker 3: I love to hear that you're I guess so like, oh, 729 00:36:27,520 --> 00:36:30,080 Speaker 3: it wasn't really a decision. It kind of just happened 730 00:36:30,160 --> 00:36:33,400 Speaker 3: because in most circumstances. This is how it happens. It 731 00:36:33,480 --> 00:36:35,600 Speaker 3: kind of like creeps up and then life has changed, 732 00:36:35,600 --> 00:36:37,480 Speaker 3: and then you're doing it every single month, and it 733 00:36:37,520 --> 00:36:40,520 Speaker 3: makes sense and I'm really glad you had that time. 734 00:36:40,600 --> 00:36:42,759 Speaker 3: But also, what would you say to people who are 735 00:36:42,800 --> 00:36:45,400 Speaker 3: going through a bit of a hard time with parents 736 00:36:45,400 --> 00:36:48,280 Speaker 3: that might not be well. I feel like that's something 737 00:36:48,320 --> 00:36:50,840 Speaker 3: that in our community recently, I've seen a lot of 738 00:36:50,840 --> 00:36:52,759 Speaker 3: people going, oh my gosh, what can I do? How 739 00:36:52,800 --> 00:36:56,040 Speaker 3: can I support? And most of the time it's quality time, right, 740 00:36:56,520 --> 00:36:58,560 Speaker 3: But what would you say to people going through a 741 00:36:58,600 --> 00:36:59,880 Speaker 3: similar circumstance. 742 00:37:00,360 --> 00:37:03,960 Speaker 1: I think what both of my parents appreciated the most 743 00:37:04,160 --> 00:37:06,560 Speaker 1: was kind of what you just said, that quality time, 744 00:37:07,080 --> 00:37:11,080 Speaker 1: just being they're just helping with cooking a meal here 745 00:37:11,120 --> 00:37:14,080 Speaker 1: and there. My parents ran a business together, so my 746 00:37:14,160 --> 00:37:16,279 Speaker 1: mum was trying to do it all her own, just 747 00:37:16,360 --> 00:37:19,160 Speaker 1: helping out with random little bits. They're just like all 748 00:37:19,200 --> 00:37:22,560 Speaker 1: the little things. Even being the person that kind of 749 00:37:22,640 --> 00:37:25,680 Speaker 1: fields all of the well wishers who might be a 750 00:37:25,680 --> 00:37:28,560 Speaker 1: bit overwhelming and kind of playing that role as well, 751 00:37:29,080 --> 00:37:32,480 Speaker 1: but also taking a moment to look after your own 752 00:37:32,800 --> 00:37:35,880 Speaker 1: mental health is really important. Through that. I think sometimes 753 00:37:35,880 --> 00:37:39,239 Speaker 1: as the kids we feel a responsibility to shelter our 754 00:37:39,280 --> 00:37:41,759 Speaker 1: parents and sometimes take on too much baggage. And I 755 00:37:41,800 --> 00:37:44,000 Speaker 1: know I was doing that for my mum and I 756 00:37:44,000 --> 00:37:47,400 Speaker 1: wouldn't change it, but having then my own support system 757 00:37:47,520 --> 00:37:49,560 Speaker 1: was absolutely essential as well. 758 00:37:50,239 --> 00:37:53,200 Speaker 3: Oh my gosh, I definitely can understand that, and I'm 759 00:37:53,239 --> 00:37:55,960 Speaker 3: glad that you are pointing out mental health there, because 760 00:37:56,000 --> 00:37:58,520 Speaker 3: as much as you're caring so much for somebody else, 761 00:37:58,880 --> 00:38:00,719 Speaker 3: you do also have to take a little bit of 762 00:38:00,800 --> 00:38:02,520 Speaker 3: time to fill up your own cup to make sure 763 00:38:02,560 --> 00:38:05,600 Speaker 3: you can keep pouring some out. So I have loved 764 00:38:05,640 --> 00:38:08,960 Speaker 3: this money Diary. Thank you so much for joining us, 765 00:38:09,040 --> 00:38:10,960 Speaker 3: So I feel like this is probably a good place 766 00:38:10,960 --> 00:38:12,839 Speaker 3: to leave it because I have taken up more than 767 00:38:12,960 --> 00:38:15,480 Speaker 3: enough of your time. But Money direst, thank you so 768 00:38:15,600 --> 00:38:18,400 Speaker 3: much for joining us. As always, I am super, super 769 00:38:18,400 --> 00:38:20,759 Speaker 3: grateful to be able to share stories like yours on 770 00:38:20,800 --> 00:38:21,280 Speaker 3: ol pod. 771 00:38:21,360 --> 00:38:22,640 Speaker 1: Thanks very much for having me. 772 00:38:22,960 --> 00:38:25,400 Speaker 3: Oh my gosh. No, of course we will see you 773 00:38:25,440 --> 00:38:33,759 Speaker 3: guys on Wednesday. The advice shared on She's on the 774 00:38:33,800 --> 00:38:36,560 Speaker 3: Money is general in nature and does not consider your 775 00:38:36,560 --> 00:38:41,040 Speaker 3: individual circumstances. She's on the Money exists purely for educational 776 00:38:41,040 --> 00:38:43,520 Speaker 3: purposes and should not be relied upon to make an 777 00:38:43,520 --> 00:38:46,839 Speaker 3: investment or financial decision. If you do choose to buy 778 00:38:46,840 --> 00:38:50,560 Speaker 3: a financial product, read the PDS TMD and obtain appropriate 779 00:38:50,600 --> 00:38:54,840 Speaker 3: financial advice tailored towards your needs. Victoria Divine and She's 780 00:38:54,880 --> 00:38:58,600 Speaker 3: on the Money are authorized representatives of money Shoper Pty 781 00:38:58,840 --> 00:39:02,279 Speaker 3: Ltd abn ON three two one six four nine two 782 00:39:02,320 --> 00:39:05,239 Speaker 3: seven seven zero eight a f s L four five 783 00:39:05,360 --> 00:39:09,040 Speaker 3: one two eight nine