1 00:00:00,200 --> 00:00:03,240 Speaker 1: My name's Aatasha Bamblet. I'm a proud First Nations woman 2 00:00:03,600 --> 00:00:08,600 Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: kaka ya Ya bin Ahaka Nian Our gay In Nimbina, 4 00:00:11,960 --> 00:00:17,720 Speaker 1: yakarum jar Dominyama, Domaga Ithawakaman, damon Imlan Bomber bang Gadabomba 5 00:00:17,800 --> 00:00:22,439 Speaker 1: in and now in wakah ghana on yakram jar Watnadaa. Hello, 6 00:00:22,480 --> 00:00:25,880 Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people. 7 00:00:26,360 --> 00:00:29,080 Speaker 1: We thank acknowledge and respect the Abiginal people's land that 8 00:00:29,120 --> 00:00:31,880 Speaker 1: we're gathering on today. Take pleasure in all the land 9 00:00:32,080 --> 00:00:35,320 Speaker 1: and respect all that you see. She's on the Money 10 00:00:35,360 --> 00:00:41,960 Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools, 11 00:00:42,400 --> 00:00:44,560 Speaker 1: knowledge and resources for you to thrive. 12 00:00:44,840 --> 00:00:47,600 Speaker 2: She's on the Money. She's on the Money. 13 00:01:07,720 --> 00:01:10,520 Speaker 3: Hello, and welcome to She's on the Money, the podcast 14 00:01:10,560 --> 00:01:13,480 Speaker 3: that lets you be pervy about other people's money situations 15 00:01:13,720 --> 00:01:17,160 Speaker 3: for educational purposes, of course. Welcome back to another one 16 00:01:17,240 --> 00:01:20,280 Speaker 3: of our Money Diaries episodes where I get the absolute 17 00:01:20,319 --> 00:01:22,280 Speaker 3: pleasure of sitting down and having a chat with one 18 00:01:22,319 --> 00:01:24,760 Speaker 3: of our She's on the Money community members all about 19 00:01:24,760 --> 00:01:27,600 Speaker 3: their money story. Let's jump straight into it, because this 20 00:01:27,760 --> 00:01:31,080 Speaker 3: week I got a message and it sounded exactly like this. Hi, 21 00:01:31,200 --> 00:01:33,520 Speaker 3: she's on the money. I used to be a professional 22 00:01:33,600 --> 00:01:36,920 Speaker 3: athlete earning twenty thousand dollars a year that was paid 23 00:01:37,080 --> 00:01:40,800 Speaker 3: quarterly while juggling part time, study and casual jobs, all 24 00:01:40,880 --> 00:01:44,000 Speaker 3: backed by my single income family who took on multiple 25 00:01:44,080 --> 00:01:47,200 Speaker 3: mortgages to support my dream. But at the height of 26 00:01:47,280 --> 00:01:49,720 Speaker 3: my career, I couldn't afford to send myself to Europe 27 00:01:49,760 --> 00:01:53,680 Speaker 3: to compete, and that completely changed the trajectory of my life. 28 00:01:54,200 --> 00:01:56,960 Speaker 3: Now I'm a full time instructional designer with a polates 29 00:01:57,000 --> 00:02:00,120 Speaker 3: side hustle, a homeowner with a growing share portfolio, and 30 00:02:00,560 --> 00:02:04,560 Speaker 3: an above average super I've gone from financial stress to 31 00:02:04,720 --> 00:02:08,639 Speaker 3: financial strength. It has been a wild ride. Money Darist, 32 00:02:08,720 --> 00:02:09,680 Speaker 3: Welcome to the show. 33 00:02:10,240 --> 00:02:11,359 Speaker 2: Hello, thank you for having me. 34 00:02:11,720 --> 00:02:15,320 Speaker 3: This is fun. Tell me before we even dive further 35 00:02:15,400 --> 00:02:17,400 Speaker 3: into it for ask you to give your money habits 36 00:02:17,400 --> 00:02:19,079 Speaker 3: a grade from A through to air. What grade would 37 00:02:19,120 --> 00:02:19,720 Speaker 3: you be giving them? 38 00:02:19,840 --> 00:02:21,519 Speaker 2: I'm going to go in kind of strong with a 39 00:02:21,560 --> 00:02:25,760 Speaker 2: B plus. I think I'm very organized in my finances. 40 00:02:25,960 --> 00:02:28,720 Speaker 2: I have a pretty good cash flow system set up 41 00:02:28,880 --> 00:02:31,960 Speaker 2: for each payday, which is my favorite thing. Every payday, 42 00:02:32,000 --> 00:02:34,560 Speaker 2: everything send itself automatically to where it needs to go. 43 00:02:35,200 --> 00:02:36,760 Speaker 2: But I do think there's a bit of room for 44 00:02:36,840 --> 00:02:40,160 Speaker 2: me to improve with budgeting on my sort of smaller 45 00:02:40,480 --> 00:02:43,560 Speaker 2: day to day expenses. I do succumb to the chiky 46 00:02:43,600 --> 00:02:46,680 Speaker 2: impulse by here and there, and I love eating out, 47 00:02:46,760 --> 00:02:50,160 Speaker 2: so that can chew down on the old bank balance occasionally. 48 00:02:50,400 --> 00:02:50,639 Speaker 2: Give it. 49 00:02:50,720 --> 00:02:53,040 Speaker 3: We just girls, and sometimes we do need to eat out. 50 00:02:53,160 --> 00:02:53,679 Speaker 3: So I get it. 51 00:02:53,840 --> 00:02:54,040 Speaker 2: We do. 52 00:02:54,639 --> 00:02:56,480 Speaker 3: I get it. So tell me a little bit more 53 00:02:56,520 --> 00:02:59,600 Speaker 3: about your money story. I'm so interested. How do you 54 00:02:59,639 --> 00:03:01,679 Speaker 3: become a professional athlete? And what do you mean you 55 00:03:01,800 --> 00:03:03,480 Speaker 3: only earned twenty thousand dollars a year. 56 00:03:03,720 --> 00:03:08,400 Speaker 2: Yeah, you become a professional athlete completely by accident. You 57 00:03:08,880 --> 00:03:10,679 Speaker 2: start when you're a kid, and you love it so 58 00:03:10,840 --> 00:03:13,120 Speaker 2: much that you just keep going. And one day you 59 00:03:13,360 --> 00:03:15,880 Speaker 2: wake up and you go, oh my goodness, I'm I'm 60 00:03:15,880 --> 00:03:17,720 Speaker 2: a professional athlete. This is my job. This is what 61 00:03:17,800 --> 00:03:19,240 Speaker 2: I do every day, and this is what I love 62 00:03:19,320 --> 00:03:22,160 Speaker 2: and I get to do it and it's incredible and amazing. 63 00:03:22,840 --> 00:03:26,720 Speaker 2: Not without some struggles on the way there, though. So 64 00:03:27,080 --> 00:03:29,359 Speaker 2: I was just me and my mom growing up. Really, 65 00:03:29,400 --> 00:03:31,679 Speaker 2: I'm about to just tell you how absolutely wonderful my 66 00:03:31,760 --> 00:03:32,079 Speaker 2: mom is. 67 00:03:32,320 --> 00:03:34,640 Speaker 3: Good. I can't wait, I'm stripped in I'm ready. Let 68 00:03:34,720 --> 00:03:37,680 Speaker 3: me know about your mom. So things were kind of 69 00:03:37,760 --> 00:03:40,720 Speaker 3: tough for us growing up. For me, growing up, I 70 00:03:41,080 --> 00:03:43,760 Speaker 3: knew we weren't super wealthy, but my mom did a 71 00:03:43,800 --> 00:03:46,720 Speaker 3: really good job of hiding the extent of kind of 72 00:03:46,800 --> 00:03:48,800 Speaker 3: what our situation was like from me. 73 00:03:49,080 --> 00:03:52,920 Speaker 2: I absolutely never lacked anything that I needed. She made 74 00:03:52,920 --> 00:03:55,640 Speaker 2: sure that I had absolutely everything that I could imagine 75 00:03:55,640 --> 00:03:58,400 Speaker 2: that I would need. And I got pretty serious about 76 00:03:58,440 --> 00:04:01,040 Speaker 2: sport from a young age. Joined my local club when 77 00:04:01,080 --> 00:04:03,520 Speaker 2: I was eight, and I was competing at a state 78 00:04:03,600 --> 00:04:07,560 Speaker 2: level by nine. So it all happened very quickly. 79 00:04:07,880 --> 00:04:10,680 Speaker 3: That's kind of crazy. You were obviously some kind of unicorn, 80 00:04:10,920 --> 00:04:14,200 Speaker 3: I like to think. So I also think, so, guys, 81 00:04:14,320 --> 00:04:16,680 Speaker 3: I know what sport it is, and sadly, it's a 82 00:04:16,760 --> 00:04:19,600 Speaker 3: pretty regular sport. It's not like a shot put or 83 00:04:19,800 --> 00:04:24,360 Speaker 3: like something really fancy, like really exciting, but also not 84 00:04:24,440 --> 00:04:25,640 Speaker 3: as niche as it could have been. 85 00:04:26,160 --> 00:04:28,880 Speaker 2: Yep, just just standard run of the mill, do you 86 00:04:28,960 --> 00:04:29,120 Speaker 2: know what. 87 00:04:29,279 --> 00:04:31,320 Speaker 3: That's good? That's good. So tell me a bit more 88 00:04:31,360 --> 00:04:33,880 Speaker 3: about your mum, who sounds like an absolute legend this 89 00:04:34,040 --> 00:04:36,839 Speaker 3: type of sport that you're doing. Obviously, when you're that young, 90 00:04:37,080 --> 00:04:41,400 Speaker 3: starting it would require you to have some pretty significant 91 00:04:41,480 --> 00:04:44,200 Speaker 3: training as well. And like, sorry, but at the age 92 00:04:44,240 --> 00:04:47,400 Speaker 3: of nine, you're not driving yourself to training like your 93 00:04:47,480 --> 00:04:50,960 Speaker 3: single income family I'm assuming was driving you to sport. 94 00:04:51,320 --> 00:04:55,359 Speaker 2: Yes, absolutely, my mum was early mornings in the sport 95 00:04:55,440 --> 00:04:58,480 Speaker 2: that I'm in, so early mornings, late nights to and 96 00:04:58,600 --> 00:05:02,520 Speaker 2: from school, from school, training, from training to school, all 97 00:05:02,600 --> 00:05:04,800 Speaker 2: that sort of stuff. And you're looking at expenses of 98 00:05:04,960 --> 00:05:06,800 Speaker 2: like you know, even from that kind of young age 99 00:05:06,839 --> 00:05:09,320 Speaker 2: of nine and competing at that state level, it's competition 100 00:05:09,520 --> 00:05:13,960 Speaker 2: entries and expenses, it's equipment, it's nutritious meals to have 101 00:05:14,080 --> 00:05:17,720 Speaker 2: a child that's both growing and doing a lot of exercise, 102 00:05:17,880 --> 00:05:21,719 Speaker 2: fully fueled and healthy, and all that stuff was starting 103 00:05:22,120 --> 00:05:24,320 Speaker 2: to add up. So she was already footing the bill 104 00:05:24,400 --> 00:05:26,080 Speaker 2: for all of that from when I was at such 105 00:05:26,120 --> 00:05:28,679 Speaker 2: a young age and by the time I'd gotten to twelve, 106 00:05:28,800 --> 00:05:31,480 Speaker 2: we were going to national championships, which was you know, 107 00:05:31,760 --> 00:05:36,160 Speaker 2: interstate trips and flights and accommodation and all of that 108 00:05:36,279 --> 00:05:38,160 Speaker 2: stuff that you can imagine, you know, adds up to 109 00:05:38,360 --> 00:05:41,320 Speaker 2: you know, five grand ten grand at a time for 110 00:05:41,480 --> 00:05:44,840 Speaker 2: you know, a twelve year old child to pursue their dreams. 111 00:05:44,920 --> 00:05:48,760 Speaker 2: So she was absolutely bending over backwards for me to 112 00:05:48,880 --> 00:05:51,560 Speaker 2: make all of this work. She was doing multiple jobs, 113 00:05:52,200 --> 00:05:54,400 Speaker 2: and you know, part time jobs that fit in around 114 00:05:54,520 --> 00:05:57,640 Speaker 2: getting me to training at these absolutely obscure hours and 115 00:05:57,720 --> 00:05:59,640 Speaker 2: then getting me off to school on time and being 116 00:05:59,680 --> 00:06:01,839 Speaker 2: able to get back to a workplace that was flexible 117 00:06:01,880 --> 00:06:04,839 Speaker 2: with that. So she had all kinds of different jobs. 118 00:06:04,839 --> 00:06:07,200 Speaker 2: She's absolutely incredible. She can do so many different things, 119 00:06:07,279 --> 00:06:08,320 Speaker 2: and she's amazing. 120 00:06:08,480 --> 00:06:09,480 Speaker 3: She's a superhero. 121 00:06:09,720 --> 00:06:12,360 Speaker 2: I love her. Yeah, she's wonderful. 122 00:06:12,520 --> 00:06:14,720 Speaker 3: I love this so much. So tell me a bit 123 00:06:14,800 --> 00:06:17,760 Speaker 3: more about your money story. Obviously that stuff adds up 124 00:06:17,880 --> 00:06:21,080 Speaker 3: really quickly. And part of this, like I'm assuming this 125 00:06:21,200 --> 00:06:22,720 Speaker 3: is when you became an adult. You said, at the 126 00:06:22,760 --> 00:06:25,200 Speaker 3: height of my career, I couldn't afford to send myself 127 00:06:25,279 --> 00:06:27,880 Speaker 3: to Europe. What was that like, because that sounds heartbreaking. 128 00:06:28,120 --> 00:06:33,080 Speaker 2: It was really heartbreaking. I made my first senior level 129 00:06:33,240 --> 00:06:35,880 Speaker 2: international team in twenty fifteen. That was a world championship. 130 00:06:36,160 --> 00:06:37,080 Speaker 3: Jeez, Louise. 131 00:06:37,720 --> 00:06:40,080 Speaker 2: Yeah, it was very cool and exciting to have you know, 132 00:06:40,200 --> 00:06:42,279 Speaker 2: kind of your dreams coming through in front of you incredible, 133 00:06:42,760 --> 00:06:44,599 Speaker 2: and at that stage that's kind of when things start 134 00:06:44,680 --> 00:06:47,360 Speaker 2: getting paid for for you. So that was actually a 135 00:06:47,360 --> 00:06:49,960 Speaker 2: little bit of financial relief before we kind of had 136 00:06:50,560 --> 00:06:53,280 Speaker 2: a little bit of a bump in the road. The 137 00:06:53,400 --> 00:06:56,080 Speaker 2: following year was then the Trials of the Olympics in 138 00:06:56,160 --> 00:06:59,280 Speaker 2: twenty sixteen, and because I'd made the team the year before, 139 00:06:59,360 --> 00:07:02,120 Speaker 2: it's it's not expected that you're going to make the 140 00:07:02,200 --> 00:07:04,400 Speaker 2: next year's team, but you're kind of, you know, in 141 00:07:04,520 --> 00:07:07,000 Speaker 2: with a good chance, and the powers that be in 142 00:07:07,360 --> 00:07:10,640 Speaker 2: sport are kind of preparing for you to be on 143 00:07:10,800 --> 00:07:13,320 Speaker 2: this team, and they're starting to think about uniform sizing 144 00:07:13,360 --> 00:07:15,440 Speaker 2: and flights and accommodation and all that sort of stuff 145 00:07:15,480 --> 00:07:18,480 Speaker 2: for the potential that you will qualify for this team. 146 00:07:19,040 --> 00:07:20,440 Speaker 2: And I got to the trials for that and got 147 00:07:20,520 --> 00:07:22,200 Speaker 2: food poisoning the night before. 148 00:07:22,520 --> 00:07:27,240 Speaker 3: No, no, what that should be illegal. 149 00:07:27,560 --> 00:07:29,640 Speaker 2: It should be illegal, And I was so upset. I 150 00:07:30,120 --> 00:07:32,560 Speaker 2: developed a real addiction to I don't know if you've 151 00:07:32,560 --> 00:07:34,800 Speaker 2: ever been to tea too. I'm sure you have tummy 152 00:07:34,840 --> 00:07:37,720 Speaker 2: tea from T two. Oh my goodness, Oh yeah, yep, yep, yeap. 153 00:07:37,800 --> 00:07:38,120 Speaker 2: Best thing. 154 00:07:38,200 --> 00:07:40,400 Speaker 3: I love this for you. I mean, I don't love 155 00:07:40,480 --> 00:07:42,720 Speaker 3: why you found it though, because that sounds like that's 156 00:07:42,760 --> 00:07:43,520 Speaker 3: what then happened. 157 00:07:43,680 --> 00:07:46,680 Speaker 2: Yeah, so that meant funding gets cut because of that, 158 00:07:46,800 --> 00:07:48,800 Speaker 2: you kind of don't get as many opportunities in the 159 00:07:48,880 --> 00:07:49,440 Speaker 2: sport that I'm in. 160 00:07:49,520 --> 00:07:51,480 Speaker 3: There, guys, I had gastro leave me alone. 161 00:07:52,080 --> 00:07:53,960 Speaker 2: Yeah right, I'm already down. 162 00:07:54,040 --> 00:07:57,080 Speaker 3: Don't kick me please, sorry, yeah, sorry, I won't remind you. 163 00:07:57,600 --> 00:07:59,920 Speaker 2: So all of our funding in our sport is kind 164 00:07:59,920 --> 00:08:01,720 Speaker 2: of based on performance, so if you don't perform, you 165 00:08:01,760 --> 00:08:03,600 Speaker 2: don't get cash to help. 166 00:08:03,760 --> 00:08:05,760 Speaker 3: Trying to make sense, but I'm mad about it on 167 00:08:05,880 --> 00:08:06,680 Speaker 3: your behalf right now. 168 00:08:06,880 --> 00:08:08,760 Speaker 2: Yeah, So that was kind of that was the first 169 00:08:08,800 --> 00:08:12,160 Speaker 2: spanner in the works, which then led to later in 170 00:08:12,200 --> 00:08:14,200 Speaker 2: the years, a lot of the people that I was 171 00:08:14,240 --> 00:08:17,200 Speaker 2: training with, my teammates and my friends, had qualified for 172 00:08:17,320 --> 00:08:20,480 Speaker 2: either the Olympics or various other international events that were 173 00:08:20,520 --> 00:08:23,760 Speaker 2: on later in the year, and so a trip had 174 00:08:23,800 --> 00:08:26,400 Speaker 2: been arranged to go to an event. It's kind of 175 00:08:26,520 --> 00:08:28,800 Speaker 2: like it's almost like a tour. So you kind of 176 00:08:28,840 --> 00:08:31,280 Speaker 2: go overseas to one country in Europe and you compete 177 00:08:31,320 --> 00:08:32,839 Speaker 2: there for a few days, and then you travel to 178 00:08:32,920 --> 00:08:35,640 Speaker 2: your next country and you compete there for a few days. 179 00:08:35,720 --> 00:08:40,199 Speaker 2: We're talking like Monaco, all the great stuff. So it 180 00:08:40,320 --> 00:08:41,880 Speaker 2: was a European tour. 181 00:08:42,440 --> 00:08:43,240 Speaker 3: That sounds fun though. 182 00:08:43,559 --> 00:08:45,719 Speaker 2: It sounds so cool, and I wish I'd gotten to 183 00:08:45,800 --> 00:08:48,280 Speaker 2: go on it because it would have been amazing. My 184 00:08:48,679 --> 00:08:51,160 Speaker 2: teammates had a fantastic time, and I was very jealous 185 00:08:51,200 --> 00:08:54,920 Speaker 2: of all the Instagram So of course my mum and 186 00:08:54,960 --> 00:08:57,719 Speaker 2: I couldn't manage to make that work between the two 187 00:08:57,800 --> 00:09:00,320 Speaker 2: of us. It was meant to be an eight week trip. 188 00:09:00,520 --> 00:09:03,079 Speaker 3: Oh that's so much money. That would have been thousands, 189 00:09:03,160 --> 00:09:05,840 Speaker 3: if not tens and tens of thousands of dollars yea, So. 190 00:09:05,880 --> 00:09:08,760 Speaker 2: It was absolutely going to break the bank. 191 00:09:09,000 --> 00:09:12,280 Speaker 3: Especially you said Monaco, I'm sorry, that is so expensive, right, 192 00:09:12,679 --> 00:09:13,440 Speaker 3: it was crazy. 193 00:09:13,520 --> 00:09:15,959 Speaker 2: I was like, there's absolutely no way I can do this. 194 00:09:16,280 --> 00:09:19,240 Speaker 2: So that unfortunately everyone went without me and I stayed 195 00:09:19,280 --> 00:09:21,920 Speaker 2: in Australia. But I can't complain too much because I 196 00:09:22,000 --> 00:09:25,880 Speaker 2: did get a really fantastic opportunity to go to the 197 00:09:26,040 --> 00:09:28,000 Speaker 2: Australian Institute Sport in Canberra. 198 00:09:28,200 --> 00:09:30,240 Speaker 3: Hey, that's cool, but also that's not Monaco. 199 00:09:30,559 --> 00:09:33,200 Speaker 2: So it's not Monaco. And it was the middle of July, 200 00:09:33,679 --> 00:09:37,000 Speaker 2: so it was Oh, Canberra put it on for you. 201 00:09:37,280 --> 00:09:40,880 Speaker 2: It was freezing and you know. I was from Melbourne originally, 202 00:09:41,040 --> 00:09:42,640 Speaker 2: so I went up there and everyone went, oh, you're 203 00:09:42,720 --> 00:09:46,360 Speaker 2: used to the cold, you're from Melbourne. It's way colder 204 00:09:46,440 --> 00:09:47,959 Speaker 2: in Canberra than it is in Melbourne. 205 00:09:48,000 --> 00:09:52,880 Speaker 3: Canbra is crispy, very crispy, very fresh. Oh my god. Well, 206 00:09:52,920 --> 00:09:55,000 Speaker 3: I like how you're framing this as well, because like, yes, 207 00:09:55,080 --> 00:09:57,040 Speaker 3: you missed out, but like I'm a very big believer 208 00:09:57,559 --> 00:10:00,120 Speaker 3: that opportunities that are meant for you never missed you, 209 00:10:00,240 --> 00:10:01,880 Speaker 3: and the ones that do miss you you weren't meant 210 00:10:01,920 --> 00:10:04,480 Speaker 3: to be involved in any way. So like this does 211 00:10:04,600 --> 00:10:07,679 Speaker 3: still feel like trash, but like I fear that it 212 00:10:07,760 --> 00:10:08,920 Speaker 3: has worked out for the best. 213 00:10:09,280 --> 00:10:11,280 Speaker 2: It did. It did absolutely work out for the best, 214 00:10:11,320 --> 00:10:13,760 Speaker 2: and I am so grateful. I came to Canberra for 215 00:10:13,840 --> 00:10:16,280 Speaker 2: eight weeks and I didn't go back. I've been here 216 00:10:16,320 --> 00:10:16,880 Speaker 2: for eight years. 217 00:10:17,040 --> 00:10:19,400 Speaker 3: Oh so you leave in Canberra now, so you lack 218 00:10:19,520 --> 00:10:20,520 Speaker 3: the crispy. 219 00:10:20,559 --> 00:10:22,520 Speaker 2: Yep, So I loved it. Camera's fantastic. 220 00:10:22,640 --> 00:10:24,599 Speaker 3: Oh look, I've got no problem with Canberra, but I 221 00:10:24,720 --> 00:10:28,520 Speaker 3: have a lot of issue with cold temperatures. I'm from Tasmania, 222 00:10:28,720 --> 00:10:31,439 Speaker 3: so I feel like I can empathize with having to 223 00:10:31,559 --> 00:10:34,880 Speaker 3: literally defrost your windscreen to be able to drive anywhere. 224 00:10:35,600 --> 00:10:38,400 Speaker 3: But it doesn't mean I enjoyed that part of it, 225 00:10:38,760 --> 00:10:39,200 Speaker 3: very true. 226 00:10:39,240 --> 00:10:41,120 Speaker 2: I also, you know, I could live without the cold. 227 00:10:41,200 --> 00:10:42,760 Speaker 2: I'd love to have a beach nearby as well. I 228 00:10:42,800 --> 00:10:43,839 Speaker 2: missed the beach very much. 229 00:10:43,920 --> 00:10:46,480 Speaker 3: Yeah, that would be good. I feel like Canberans they 230 00:10:46,520 --> 00:10:48,240 Speaker 3: miss out on that part because it's not like you 231 00:10:48,360 --> 00:10:49,120 Speaker 3: even have a local. 232 00:10:49,280 --> 00:10:51,320 Speaker 2: It's true, the nearest one is about two hours away, 233 00:10:51,360 --> 00:10:52,360 Speaker 2: which is too far. 234 00:10:52,440 --> 00:10:54,920 Speaker 3: No thank you, and you literally have to leave the state. 235 00:10:55,440 --> 00:10:56,560 Speaker 2: It's not good, it's not fair. 236 00:10:57,360 --> 00:11:00,400 Speaker 3: So all of that happened. You now live in Cambra, 237 00:11:00,600 --> 00:11:02,719 Speaker 3: But how do you come to live in Camera You 238 00:11:02,800 --> 00:11:04,600 Speaker 3: were only meant to be there for a short period 239 00:11:04,640 --> 00:11:04,960 Speaker 3: of time. 240 00:11:05,240 --> 00:11:07,599 Speaker 2: Yes, so for that very short period of time. I 241 00:11:07,800 --> 00:11:12,040 Speaker 2: was very fortunate that everything, everything was covered during that time. 242 00:11:12,200 --> 00:11:15,439 Speaker 2: So my meals were covered, my rent was covered, my 243 00:11:15,559 --> 00:11:19,680 Speaker 2: training expenses were covered. Absolutely every expense sort of related 244 00:11:19,760 --> 00:11:23,439 Speaker 2: to my sport was taken care of for me. 245 00:11:23,559 --> 00:11:26,000 Speaker 3: It could convince me to become a professional athlete, like 246 00:11:26,120 --> 00:11:27,679 Speaker 3: not gonna lie. Like, if you're going to pay for 247 00:11:27,800 --> 00:11:30,319 Speaker 3: literally everything, maybe I do want to do that. 248 00:11:30,600 --> 00:11:32,160 Speaker 2: The only trade off is you have to get up 249 00:11:32,160 --> 00:11:34,120 Speaker 2: at four o'clock in the morning and you've got to 250 00:11:34,720 --> 00:11:37,079 Speaker 2: train for like thirty five hours a week. So just 251 00:11:37,559 --> 00:11:39,319 Speaker 2: it's just work. I guess, you know, what kind of 252 00:11:39,400 --> 00:11:40,959 Speaker 2: work do you do? You want to do? 253 00:11:41,480 --> 00:11:44,880 Speaker 3: It's chaotic in the nicest way possible. But like the 254 00:11:44,960 --> 00:11:49,440 Speaker 3: fact that it's it's athletes like, go, I'm tired already 255 00:11:49,520 --> 00:11:52,120 Speaker 3: thinking about it, Like I already get out of going 256 00:11:52,200 --> 00:11:54,199 Speaker 3: to the gym the three times that I plan to 257 00:11:54,280 --> 00:11:56,320 Speaker 3: go each week. And You're like, oh, yeah, I did 258 00:11:56,400 --> 00:11:58,440 Speaker 3: thirty five hours and I'm like, I can't even manage 259 00:11:58,520 --> 00:11:59,320 Speaker 3: three at this point. 260 00:11:59,440 --> 00:12:00,959 Speaker 2: But with kids than a full time job, and I 261 00:12:01,080 --> 00:12:03,160 Speaker 2: was at working full time at this time. I was, 262 00:12:03,360 --> 00:12:07,720 Speaker 2: you know, I was studying and training and doing odd 263 00:12:07,840 --> 00:12:11,120 Speaker 2: jobs and part time work and casual work here and there. 264 00:12:11,240 --> 00:12:12,960 Speaker 2: So it's all a balance that. 265 00:12:13,120 --> 00:12:15,400 Speaker 3: Is very fair. So tell me about life now, because 266 00:12:15,400 --> 00:12:18,040 Speaker 3: you never left you started doing that training. But also 267 00:12:18,120 --> 00:12:20,400 Speaker 3: in your letter in you said I'm an instructional designer 268 00:12:20,440 --> 00:12:23,839 Speaker 3: and a pilates side hustler. How does that come to 269 00:12:24,000 --> 00:12:28,319 Speaker 3: fruition from you know, obviously working as an athlete, being 270 00:12:28,360 --> 00:12:31,520 Speaker 3: paid as an athlete, being a full time athlete. Where 271 00:12:31,600 --> 00:12:34,160 Speaker 3: were the changes? When did that stop? And what changed. 272 00:12:34,559 --> 00:12:38,199 Speaker 2: Yeah. So also the changes are completely by accident. Lots 273 00:12:38,240 --> 00:12:40,760 Speaker 2: of complete accidents in my life. I've gotten me where 274 00:12:40,800 --> 00:12:44,199 Speaker 2: I've ended up. So it was actually COVID that kind 275 00:12:44,200 --> 00:12:48,439 Speaker 2: of spurred my kind of change in Koreas. So, of 276 00:12:48,520 --> 00:12:51,000 Speaker 2: course twenty sixteen Olympic trials didn't go so well, and 277 00:12:51,120 --> 00:12:54,120 Speaker 2: then twenty twenty Olympic trials were meant to be in 278 00:12:54,679 --> 00:12:56,839 Speaker 2: the middle of twenty twenty, so we obviously all went 279 00:12:56,880 --> 00:12:59,839 Speaker 2: into lockdown in March and the Olympics got postponed to 280 00:13:00,240 --> 00:13:00,640 Speaker 2: T one. 281 00:13:00,880 --> 00:13:01,480 Speaker 3: That's crazy. 282 00:13:01,679 --> 00:13:03,960 Speaker 2: I was getting to the ripe old age of maybe 283 00:13:03,960 --> 00:13:05,080 Speaker 2: don't tell people how old I am. 284 00:13:06,080 --> 00:13:08,559 Speaker 3: You're getting to the ripe old age of being middle 285 00:13:08,600 --> 00:13:09,760 Speaker 3: aged for an athlete. 286 00:13:09,920 --> 00:13:13,400 Speaker 2: I was becoming very middle aged for an athlete. So 287 00:13:14,000 --> 00:13:16,200 Speaker 2: at that time, when leelin we've got postponed, I kind 288 00:13:16,240 --> 00:13:18,360 Speaker 2: of went, you know, I'm ancient in my sport now, 289 00:13:18,440 --> 00:13:21,400 Speaker 2: so I think now's a good time to retire. And 290 00:13:21,800 --> 00:13:23,679 Speaker 2: one of the companies that I've been working for doing 291 00:13:24,000 --> 00:13:27,440 Speaker 2: sort of public speaking type work actually had a part 292 00:13:27,480 --> 00:13:29,839 Speaker 2: time job in their office coming up, and I just 293 00:13:30,000 --> 00:13:31,760 Speaker 2: hit them up and said, hello, excuse me, can I 294 00:13:31,800 --> 00:13:34,080 Speaker 2: please have some work and they said, yes, you absolutely can. 295 00:13:34,280 --> 00:13:34,559 Speaker 2: Here you go. 296 00:13:34,840 --> 00:13:37,240 Speaker 3: Oh thank you. That was easier than I thought it 297 00:13:37,240 --> 00:13:37,520 Speaker 3: would be. 298 00:13:37,720 --> 00:13:39,240 Speaker 2: It was so much easier than I have thought it 299 00:13:39,280 --> 00:13:41,120 Speaker 2: would be. As well. When I did get that job, 300 00:13:41,200 --> 00:13:42,520 Speaker 2: I thought to myself, you know, this will be a 301 00:13:42,559 --> 00:13:44,760 Speaker 2: great foot in the door one day, and it ended 302 00:13:44,840 --> 00:13:48,720 Speaker 2: up absolutely being that. So I was very fortunate, especially 303 00:13:48,800 --> 00:13:51,480 Speaker 2: during that tricky COVID time where work was a challenge 304 00:13:51,600 --> 00:13:52,840 Speaker 2: for so many of us. 305 00:13:53,120 --> 00:13:55,600 Speaker 3: Yeah, and also when you'd contributed so much to your 306 00:13:55,640 --> 00:13:58,400 Speaker 3: sport as well. I feel like athletes are so hard 307 00:13:58,480 --> 00:14:00,280 Speaker 3: done by when they go all right, well, now I 308 00:14:00,400 --> 00:14:02,520 Speaker 3: want kind of like a mainstream job, and you kind 309 00:14:02,559 --> 00:14:04,520 Speaker 3: of have to really start from scratch because you actually 310 00:14:04,559 --> 00:14:07,160 Speaker 3: don't have the experience that you need to jump into 311 00:14:07,240 --> 00:14:09,839 Speaker 3: a career. But now you're doing it much older because 312 00:14:09,960 --> 00:14:12,280 Speaker 3: you've spent all of this time focusing on your sport. 313 00:14:13,080 --> 00:14:14,520 Speaker 3: So that's stressful. 314 00:14:14,800 --> 00:14:17,360 Speaker 2: It is stressful. And as much as you have so 315 00:14:17,520 --> 00:14:20,480 Speaker 2: many transferable skills when you're an athlete, you learn so 316 00:14:20,600 --> 00:14:23,680 Speaker 2: much about resilience and you know, bouncing back and so 317 00:14:23,800 --> 00:14:27,360 Speaker 2: many other useful skills in the workplace, like dedication and 318 00:14:27,520 --> 00:14:30,400 Speaker 2: focus and you know, working hard and getting a result 319 00:14:30,600 --> 00:14:32,720 Speaker 2: out of it. People say, yeah, but we want three 320 00:14:32,760 --> 00:14:34,760 Speaker 2: to five years of experience in the business area. 321 00:14:34,920 --> 00:14:38,160 Speaker 3: Okay, I've got it on a running track, you know, 322 00:14:38,480 --> 00:14:39,360 Speaker 3: like I don't. 323 00:14:39,240 --> 00:14:42,720 Speaker 2: Have the what you have. It's all just different. But 324 00:14:42,840 --> 00:14:44,520 Speaker 2: that was kind of how I ended up in sort 325 00:14:44,560 --> 00:14:46,760 Speaker 2: of well it wasn't an instructional design role then that 326 00:14:46,960 --> 00:14:49,480 Speaker 2: was also a complete accident. I have just stayed with 327 00:14:49,560 --> 00:14:52,160 Speaker 2: the company and rolled into a few different positions over 328 00:14:52,200 --> 00:14:53,680 Speaker 2: the time that I've been there, and this is kind 329 00:14:53,680 --> 00:14:57,480 Speaker 2: of where I've landed, which has also been very fortunate 330 00:14:57,560 --> 00:14:59,960 Speaker 2: and fantastic. And the plates as well with something where 331 00:15:00,160 --> 00:15:02,960 Speaker 2: when I decided to retire, I was like, exercise and 332 00:15:03,040 --> 00:15:04,720 Speaker 2: movement has been part of my life for the last 333 00:15:05,080 --> 00:15:08,640 Speaker 2: you know, ten fifteen years. I can't just give that away. 334 00:15:08,720 --> 00:15:11,520 Speaker 2: I'm going to need to have something related to movement 335 00:15:11,560 --> 00:15:13,520 Speaker 2: in my life as well. So I threw myself straight 336 00:15:13,560 --> 00:15:15,720 Speaker 2: into that at the same time, which was convenient when 337 00:15:15,720 --> 00:15:17,960 Speaker 2: the job was still part time, so I had plenty 338 00:15:18,000 --> 00:15:19,560 Speaker 2: of time to balance it and kind of have a 339 00:15:19,680 --> 00:15:24,120 Speaker 2: nice soft transition out of sport into the real world. 340 00:15:24,560 --> 00:15:26,840 Speaker 3: Yeah, okay, I love it, and as a pilates girl, 341 00:15:27,080 --> 00:15:29,560 Speaker 3: like I love a good pilates instructor too. They like 342 00:15:29,720 --> 00:15:31,960 Speaker 3: make or break the class. So I'm glad that you're 343 00:15:32,040 --> 00:15:35,280 Speaker 3: here for us. Tell me a little bit more about 344 00:15:35,560 --> 00:15:38,120 Speaker 3: now what you earn. So we know you're an instructional 345 00:15:38,200 --> 00:15:41,040 Speaker 3: designer and you have a Polarates side hustle. But what 346 00:15:41,160 --> 00:15:42,520 Speaker 3: kind of income does that bring in? 347 00:15:42,840 --> 00:15:46,240 Speaker 2: Yeah? So my nine to five as an instructor designer 348 00:15:46,360 --> 00:15:49,400 Speaker 2: gets me around about one hundred and fifteen thousand dollars 349 00:15:49,720 --> 00:15:53,520 Speaker 2: each Okay, very nice, which is very comfortable. I feel 350 00:15:53,600 --> 00:15:56,320 Speaker 2: very grateful to have that coming into my bake account 351 00:15:56,400 --> 00:15:57,320 Speaker 2: each fortnite. 352 00:15:57,600 --> 00:15:59,400 Speaker 3: Is that plus or including super? 353 00:15:59,760 --> 00:16:02,880 Speaker 2: Is there plus? A very comfortable fifteen percent superannuation? 354 00:16:03,120 --> 00:16:06,040 Speaker 3: Okay, I love this for us. I'm glad I asked, 355 00:16:06,080 --> 00:16:07,560 Speaker 3: and then talk to me about pilates. 356 00:16:07,920 --> 00:16:10,800 Speaker 2: Yes, so, in my moonlighting as a pilaratees teacher, I 357 00:16:10,880 --> 00:16:14,000 Speaker 2: work both as a PYG employee and also as a 358 00:16:14,040 --> 00:16:17,680 Speaker 2: sole trader across different places, and I'm multiple teaching. 359 00:16:17,960 --> 00:16:18,160 Speaker 1: Yeah. 360 00:16:18,520 --> 00:16:21,920 Speaker 2: Fun. We love cel trader financial administration very No, we. 361 00:16:22,000 --> 00:16:24,680 Speaker 3: Do not, very do not. No, one out of ten 362 00:16:24,800 --> 00:16:27,480 Speaker 3: cannot recommend. But tell me what kind of income does 363 00:16:27,520 --> 00:16:29,680 Speaker 3: that bring in each year? That brings in about seven 364 00:16:29,760 --> 00:16:32,000 Speaker 3: thousand dollars, So it brings me to about one hundred 365 00:16:32,000 --> 00:16:34,960 Speaker 3: and thirty thousand each year. All up, Hey, that's nice. 366 00:16:35,680 --> 00:16:38,600 Speaker 3: What type of contribution are you making time wise? Though, 367 00:16:38,680 --> 00:16:41,400 Speaker 3: because like if your moonlighting as a polaratees instructor, but 368 00:16:41,440 --> 00:16:43,680 Speaker 3: you're working nine to five? Are we doing this before work? 369 00:16:43,720 --> 00:16:45,600 Speaker 3: After work? How many days a week are we doing this? 370 00:16:45,760 --> 00:16:47,800 Speaker 3: I just I need to know the pervy details. 371 00:16:48,040 --> 00:16:51,120 Speaker 2: Yeah, totally. So, Look, it's a bit tiring. I must say. 372 00:16:51,280 --> 00:16:54,680 Speaker 2: I teach pilarates three days a week. I teach bar 373 00:16:54,760 --> 00:16:57,160 Speaker 2: as well. Actually, so it's pilarateis two days a week 374 00:16:57,240 --> 00:17:00,640 Speaker 2: and bar one day a week or Barret familiar with 375 00:17:00,760 --> 00:17:05,320 Speaker 2: the Scott Morrison press conference from back in COVID. So yeah, 376 00:17:05,359 --> 00:17:10,040 Speaker 2: it's around five six seven ish hours a week on 377 00:17:10,119 --> 00:17:11,880 Speaker 2: top of my sort of regular nine to five, which 378 00:17:11,920 --> 00:17:14,280 Speaker 2: is that sort of thirty seven and a half hour week? 379 00:17:14,400 --> 00:17:16,760 Speaker 3: And are you enjoying it? Most importantly, I feel like 380 00:17:16,840 --> 00:17:18,640 Speaker 3: you said you really wanted to bring like a little 381 00:17:18,640 --> 00:17:21,040 Speaker 3: bit of movement back into your life, and I feel 382 00:17:21,080 --> 00:17:23,080 Speaker 3: like that clearly is doing that. But like, do you 383 00:17:23,160 --> 00:17:27,080 Speaker 3: feel like having a side hustle is a joy or 384 00:17:27,200 --> 00:17:28,159 Speaker 3: is it a bit of a slog? 385 00:17:28,280 --> 00:17:31,640 Speaker 2: I think it's both. Honestly, I love it so much. 386 00:17:31,920 --> 00:17:34,520 Speaker 2: It's so much fun. But sometimes I get to the 387 00:17:34,640 --> 00:17:36,600 Speaker 2: end of my nine to five day and I just 388 00:17:36,640 --> 00:17:38,440 Speaker 2: want to go home and fill on the couch and 389 00:17:38,800 --> 00:17:42,879 Speaker 2: do nothing. But it's such a lovely community. It kind 390 00:17:42,920 --> 00:17:44,600 Speaker 2: of gives energy. As much as you kind of walk 391 00:17:44,640 --> 00:17:47,520 Speaker 2: into the studio and you're like, oh, I'm tired, you 392 00:17:47,680 --> 00:17:49,320 Speaker 2: kind of you know, you can't show your class that 393 00:17:49,400 --> 00:17:51,639 Speaker 2: you're tired. You have to show them that you're overjoyed 394 00:17:51,680 --> 00:17:53,560 Speaker 2: to see them and that you're showing up for them, 395 00:17:53,680 --> 00:17:54,520 Speaker 2: and so it kind. 396 00:17:54,400 --> 00:17:56,760 Speaker 3: Of see, I knew you were a good pilates instructor. 397 00:17:56,920 --> 00:17:57,359 Speaker 2: I knew it. 398 00:17:57,560 --> 00:17:59,439 Speaker 3: I could tell from the tone of your voys. 399 00:17:59,560 --> 00:18:01,439 Speaker 2: You've got to be there for your community. They come 400 00:18:01,520 --> 00:18:03,280 Speaker 2: for you, You've got to be there for them. So 401 00:18:03,359 --> 00:18:05,119 Speaker 2: you've got to kind of almost fake it till you 402 00:18:05,160 --> 00:18:06,800 Speaker 2: make it. You put the big smile on, you bring 403 00:18:06,880 --> 00:18:09,159 Speaker 2: the energy, and you feel energized by the end of 404 00:18:09,200 --> 00:18:11,399 Speaker 2: the class that you're teaching. So I love it. 405 00:18:11,640 --> 00:18:14,080 Speaker 3: I love that you've kind of like gasled yourself into 406 00:18:14,119 --> 00:18:16,200 Speaker 3: having a good time. That's how I feel every time 407 00:18:16,240 --> 00:18:17,760 Speaker 3: I'm like, I don't want to go to pilates. I 408 00:18:17,800 --> 00:18:19,600 Speaker 3: can't be bothered. And then I turn up and by 409 00:18:19,640 --> 00:18:22,280 Speaker 3: the end of the class, my instructor has been so 410 00:18:22,440 --> 00:18:24,600 Speaker 3: positive and like I've moved my body and I feel 411 00:18:24,640 --> 00:18:26,800 Speaker 3: a million times better, and I'm like, see, I knew 412 00:18:26,800 --> 00:18:29,800 Speaker 3: I should go, but the motivation wasn't there at the start. 413 00:18:29,920 --> 00:18:31,800 Speaker 2: That's exactly how it should be. I'd love that for you. 414 00:18:31,920 --> 00:18:33,520 Speaker 2: That means you found a good studio and a good 415 00:18:33,520 --> 00:18:34,480 Speaker 2: instructor that works for you. 416 00:18:34,720 --> 00:18:37,920 Speaker 3: I have not gonna lie. Tell me now, you're a 417 00:18:38,080 --> 00:18:41,520 Speaker 3: homeowner with a growing share portfolio and an above average 418 00:18:41,560 --> 00:18:44,280 Speaker 3: super which is very fun. But those are all goals 419 00:18:44,359 --> 00:18:46,440 Speaker 3: that lots of people are working towards. So tell me 420 00:18:46,560 --> 00:18:49,640 Speaker 3: what are your current goals? What are you currently working towards? 421 00:18:49,960 --> 00:18:52,399 Speaker 2: Yeah, so I am a homeowner. My partner and I 422 00:18:52,520 --> 00:18:55,200 Speaker 2: only just bought our first house about eighteen months ago, 423 00:18:55,680 --> 00:18:57,680 Speaker 2: so we've just kind of settled in and made changes 424 00:18:57,760 --> 00:18:59,919 Speaker 2: and ripped out cupboards and put drawers in and all 425 00:19:00,200 --> 00:19:03,920 Speaker 2: that fun stuff. So where now aiming to be able 426 00:19:03,960 --> 00:19:07,280 Speaker 2: to buy a second one without having to sell this one, 427 00:19:07,440 --> 00:19:10,960 Speaker 2: which is quite a lofty goal. Where kind of on 428 00:19:11,080 --> 00:19:12,680 Speaker 2: track to to be in a position to do that? 429 00:19:12,760 --> 00:19:14,760 Speaker 2: In about four or five years time, if we keep 430 00:19:14,800 --> 00:19:15,600 Speaker 2: going how we're going. 431 00:19:15,880 --> 00:19:18,840 Speaker 3: Yeah, okay, that is very exciting. Are there any other 432 00:19:18,880 --> 00:19:20,800 Speaker 3: big money goals you're currently working towards? 433 00:19:21,000 --> 00:19:22,879 Speaker 2: In the back of my mind, I would love to 434 00:19:22,960 --> 00:19:27,280 Speaker 2: open my own Pilaratei studio, but I am absolutely horrified 435 00:19:27,440 --> 00:19:30,440 Speaker 2: about doing that. I'm very scared and very nervous about 436 00:19:30,480 --> 00:19:33,399 Speaker 2: starting my own business, but I would love to do 437 00:19:33,520 --> 00:19:34,600 Speaker 2: that one day. Possibly. 438 00:19:34,800 --> 00:19:37,879 Speaker 3: I totally think you could, Like I totally. You're already 439 00:19:37,960 --> 00:19:42,080 Speaker 3: doing freelance admin. Like that stuff's hard, gal, you are 440 00:19:42,160 --> 00:19:44,719 Speaker 3: able to manage a full time job and moonlighting as 441 00:19:44,800 --> 00:19:46,200 Speaker 3: a pilarates and bar instructor. 442 00:19:46,680 --> 00:19:48,800 Speaker 2: Come on, maybe I'll have to dedicate a bit more 443 00:19:49,440 --> 00:19:51,680 Speaker 2: structure to that goal instead of having it be lofty. 444 00:19:51,840 --> 00:19:53,200 Speaker 2: Maybe I need to think about it and put some 445 00:19:53,320 --> 00:19:54,280 Speaker 2: structure in place for it. 446 00:19:54,400 --> 00:19:56,360 Speaker 3: But it would be so pretty, and I can tell 447 00:19:56,400 --> 00:19:58,160 Speaker 3: from your tone of voice and just like how you're 448 00:19:58,160 --> 00:20:02,040 Speaker 3: presenting yourself, you would be literally perfect. So I'm excited 449 00:20:02,119 --> 00:20:04,240 Speaker 3: for that. I can see that in your future. Let's 450 00:20:04,240 --> 00:20:06,320 Speaker 3: go to a really quick break, because after the break, 451 00:20:06,359 --> 00:20:08,119 Speaker 3: I want to be talking a little bit more about 452 00:20:08,160 --> 00:20:11,800 Speaker 3: this share portfolio you've been growing and you're above average 453 00:20:11,840 --> 00:20:18,359 Speaker 3: super so guys don't go anywhere, all right, money dre. 454 00:20:18,480 --> 00:20:20,000 Speaker 3: So we are back and I get to be so 455 00:20:20,160 --> 00:20:22,280 Speaker 3: pervy because you're anonymous. And this is my favorite thing 456 00:20:22,320 --> 00:20:25,600 Speaker 3: in the entire world. Let's talk about investments. Tell me 457 00:20:25,800 --> 00:20:28,320 Speaker 3: what does this growing share portfolio look like? 458 00:20:28,840 --> 00:20:31,639 Speaker 2: Yes, so my share portfolio. Actually, you know, I kind 459 00:20:31,680 --> 00:20:34,360 Speaker 2: of owe the share portfolio entirely to you, Victoria, because 460 00:20:34,359 --> 00:20:36,119 Speaker 2: I wouldn't even have jumped in if I hadn't started 461 00:20:36,160 --> 00:20:37,440 Speaker 2: listening to the podcast. Yay. 462 00:20:38,240 --> 00:20:40,800 Speaker 3: But also I'm sorry, sorry you did the work. I 463 00:20:40,880 --> 00:20:43,160 Speaker 3: didn't do the work. I just gave you the platform. 464 00:20:43,400 --> 00:20:44,879 Speaker 3: If you didn't want to do it, you didn't have 465 00:20:45,000 --> 00:20:46,520 Speaker 3: to do it. But look at the work you did. 466 00:20:46,640 --> 00:20:50,880 Speaker 2: It's true. But with knowledge comes power, so exactly, it's 467 00:20:50,920 --> 00:20:54,520 Speaker 2: given me that springboard that I needed. My mum was 468 00:20:54,520 --> 00:20:58,560 Speaker 2: a very scared shares equals scary and risky and we 469 00:20:58,680 --> 00:21:02,760 Speaker 2: do not do that coach to investing, which up until 470 00:21:02,760 --> 00:21:05,400 Speaker 2: I started listening to the podcast, I shared as well, 471 00:21:05,560 --> 00:21:08,160 Speaker 2: and just of course kind of went I'm no investments, 472 00:21:08,359 --> 00:21:10,320 Speaker 2: not for me, I don't do that. It was all 473 00:21:10,400 --> 00:21:11,920 Speaker 2: very Wolf of Wall Street in my head, you know, 474 00:21:12,080 --> 00:21:13,880 Speaker 2: crazy trading and risk. 475 00:21:13,880 --> 00:21:16,399 Speaker 3: I look like the Wolf of Wall Street characters actually, 476 00:21:16,600 --> 00:21:19,320 Speaker 3: so turn out of ten, like not the smart ones. 477 00:21:19,400 --> 00:21:21,680 Speaker 3: I just would like to look like Margo Robbie, So 478 00:21:21,880 --> 00:21:24,640 Speaker 3: wouldn't we all? Yeah, so when you talk about Wolf 479 00:21:24,720 --> 00:21:26,960 Speaker 3: of Wall Street, yeah, I'm in. I'm committed. 480 00:21:28,440 --> 00:21:30,840 Speaker 2: So there was there was that kind of approach. But 481 00:21:31,000 --> 00:21:33,560 Speaker 2: since listening to the pod, so I started off with 482 00:21:34,040 --> 00:21:36,720 Speaker 2: rais and just started with roundups to dip my toe 483 00:21:36,800 --> 00:21:37,280 Speaker 2: and kind. 484 00:21:37,160 --> 00:21:39,280 Speaker 3: Of didn't we all though? I feel like even I 485 00:21:39,480 --> 00:21:39,720 Speaker 3: did that. 486 00:21:39,920 --> 00:21:43,080 Speaker 2: It's just nice to have something that's not scary, you know, 487 00:21:43,119 --> 00:21:44,719 Speaker 2: it's kind of it's just a few cents and it's 488 00:21:44,800 --> 00:21:46,520 Speaker 2: just kind of there, and then you go, oh, actually, 489 00:21:46,560 --> 00:21:48,800 Speaker 2: I've now there's two hundred and fifty dollars in there, 490 00:21:48,960 --> 00:21:51,240 Speaker 2: and sixty eight dollars of it isn't money that I 491 00:21:51,359 --> 00:21:53,720 Speaker 2: put in. It's money that I have earned back. Amazing. 492 00:21:53,760 --> 00:21:55,520 Speaker 3: Do you know what? Someone sent me a screenshot of 493 00:21:55,560 --> 00:21:57,480 Speaker 3: their share portfolio the other day and they were like, 494 00:21:57,560 --> 00:21:59,879 Speaker 3: look at this, I have now reached those little life 495 00:22:00,160 --> 00:22:03,600 Speaker 3: of their share portfolio. They've like made fifty thousand dollars 496 00:22:03,640 --> 00:22:06,080 Speaker 3: in dividends. She's like, that's free money. Victoria and I 497 00:22:06,200 --> 00:22:07,000 Speaker 3: was like, yes, it is. 498 00:22:07,119 --> 00:22:11,399 Speaker 2: Queen fifty grand in free money. That's amazing, insane, right, 499 00:22:11,600 --> 00:22:13,600 Speaker 2: I'm very envious. I don't have quite that much maybe 500 00:22:13,640 --> 00:22:14,320 Speaker 2: one day, oh no. 501 00:22:14,440 --> 00:22:16,200 Speaker 3: But like you're on the journey, and you know what, 502 00:22:16,280 --> 00:22:18,359 Speaker 3: she'd been investing a lot longer than all of us 503 00:22:18,640 --> 00:22:21,040 Speaker 3: time in the game. That's what you need exactly. So 504 00:22:21,200 --> 00:22:23,680 Speaker 3: tell me a bit more about this. You've graduated from 505 00:22:23,760 --> 00:22:24,280 Speaker 3: raise to what. 506 00:22:24,680 --> 00:22:28,000 Speaker 2: Yes, I now have a I have a sustainable ETF 507 00:22:28,240 --> 00:22:31,960 Speaker 2: portfolio via a managed fund, okay, Queen. Also because I 508 00:22:32,119 --> 00:22:34,000 Speaker 2: like to have, I like to set and forget, and 509 00:22:34,480 --> 00:22:36,679 Speaker 2: you know, I have my automatic bank transfer set up. 510 00:22:36,720 --> 00:22:38,680 Speaker 2: Every fortnight when my pay comes in, my money goes 511 00:22:38,680 --> 00:22:41,760 Speaker 2: straight into all my allocation of money goes straight into 512 00:22:42,400 --> 00:22:45,359 Speaker 2: that account. And they're looking after all the investing for me. 513 00:22:45,480 --> 00:22:47,520 Speaker 2: I don't have to worry about buying or selling anything. 514 00:22:47,640 --> 00:22:49,600 Speaker 2: I just say, here's my money, Please do what you 515 00:22:49,680 --> 00:22:51,560 Speaker 2: need to do with it. I'm not planning on take 516 00:22:51,600 --> 00:22:54,080 Speaker 2: it out for the next you know, thirty or forty 517 00:22:54,160 --> 00:22:55,679 Speaker 2: years until I'm planning to retire. 518 00:22:55,920 --> 00:22:56,879 Speaker 3: Yes, I can't. 519 00:22:57,119 --> 00:22:59,560 Speaker 2: So it's just in there doing its thing. And I 520 00:22:59,720 --> 00:23:02,680 Speaker 2: start started well. I started with an emergency fund when 521 00:23:02,680 --> 00:23:05,560 Speaker 2: I was getting my five thousand dollars a year in 522 00:23:05,680 --> 00:23:08,919 Speaker 2: quarterly installments as an athlete. So each time I got 523 00:23:08,960 --> 00:23:11,480 Speaker 2: my quarterly installment, I'd just swirl a little bit of 524 00:23:11,520 --> 00:23:14,399 Speaker 2: it away into an account which was slowly growing and 525 00:23:14,520 --> 00:23:17,240 Speaker 2: becoming my emergency fund. And then once we got through 526 00:23:17,280 --> 00:23:19,440 Speaker 2: COVID and I'd had to dip into that for a 527 00:23:19,520 --> 00:23:21,920 Speaker 2: few bits and pieces during that tricky time, but I 528 00:23:22,000 --> 00:23:23,800 Speaker 2: had enough that I was like, Okay, I've saved up 529 00:23:23,880 --> 00:23:26,120 Speaker 2: enough in my emergency fund that I'm comfortable to take 530 00:23:26,160 --> 00:23:30,399 Speaker 2: out a reasonable sum and pop it into shares. So 531 00:23:30,560 --> 00:23:32,679 Speaker 2: that was actually kind of how I got started in that. 532 00:23:33,080 --> 00:23:36,400 Speaker 3: Look at you go. I love that. So now tell 533 00:23:36,440 --> 00:23:38,880 Speaker 3: me a bit about this above average super, because I'm 534 00:23:38,880 --> 00:23:40,680 Speaker 3: not going to lie. If you had sat me down 535 00:23:40,720 --> 00:23:42,879 Speaker 3: and said, look, this person's an ex athlete, they were 536 00:23:42,920 --> 00:23:45,680 Speaker 3: earning twenty K year, They've sacrificed a lot for their 537 00:23:45,840 --> 00:23:49,480 Speaker 3: career and their passion. What do you think their super 538 00:23:49,520 --> 00:23:51,639 Speaker 3: looks like? And I'd be like, look, their super is 539 00:23:51,680 --> 00:23:54,359 Speaker 3: probably not looking incredible, but you've gotten above average super. 540 00:23:54,400 --> 00:23:55,440 Speaker 3: How the heck does that happen? 541 00:23:55,600 --> 00:23:57,560 Speaker 2: Look? I think this is the theme of the podcast 542 00:23:57,600 --> 00:24:00,960 Speaker 2: for today. A little bit accidental. However, something that I 543 00:24:01,119 --> 00:24:05,199 Speaker 2: did become very conscious of was consolidating SUPER from all 544 00:24:05,280 --> 00:24:07,240 Speaker 2: of these casual jobs that I had floating around in 545 00:24:07,359 --> 00:24:10,320 Speaker 2: various places and from sol trading, and I had SUPER 546 00:24:10,440 --> 00:24:13,440 Speaker 2: in all these random places, and of course having it 547 00:24:13,600 --> 00:24:17,040 Speaker 2: separated is not ideal. It's going to do a lot 548 00:24:17,119 --> 00:24:19,520 Speaker 2: more for you all rolled into one place, so pretty 549 00:24:19,560 --> 00:24:22,320 Speaker 2: early on I made a very conscientious effort to make 550 00:24:22,359 --> 00:24:25,919 Speaker 2: sure everything was rolled into one And I'm also very 551 00:24:25,960 --> 00:24:29,480 Speaker 2: fortunate that I've got that large SUPER contribution coming from 552 00:24:29,560 --> 00:24:33,000 Speaker 2: my full time job. Yeah, that's nice, which has been 553 00:24:33,119 --> 00:24:36,840 Speaker 2: very lucky as well, not luck so much. I've worked 554 00:24:36,840 --> 00:24:37,639 Speaker 2: hard for the job so. 555 00:24:37,960 --> 00:24:41,439 Speaker 3: Exactly, I didn't even have to correct you. You did 556 00:24:41,480 --> 00:24:42,600 Speaker 3: it yourself. Good girl. 557 00:24:43,920 --> 00:24:45,320 Speaker 2: Trying to change mattitude a little bit. 558 00:24:45,400 --> 00:24:48,000 Speaker 3: And are you planning on contributing more to that above 559 00:24:48,040 --> 00:24:50,160 Speaker 3: and beyond? Because earlier you told us that you get 560 00:24:50,320 --> 00:24:54,399 Speaker 3: like fifteen percent superannuation, which is very very exciting, But like, 561 00:24:54,560 --> 00:24:56,640 Speaker 3: do you do above and beyond in that given you're 562 00:24:56,680 --> 00:24:58,679 Speaker 3: planning on investing outside of Super as well. 563 00:24:58,840 --> 00:25:01,480 Speaker 2: I have started doing a little bit extra only recently, 564 00:25:01,920 --> 00:25:04,879 Speaker 2: and that was because I have recently paid off my 565 00:25:05,640 --> 00:25:08,280 Speaker 2: hex debt or my help debt. Hexdet shows my age 566 00:25:08,280 --> 00:25:09,000 Speaker 2: a little bit, doesn't it. 567 00:25:09,040 --> 00:25:13,000 Speaker 3: It's called help now, I still call it hextet. I've 568 00:25:13,040 --> 00:25:16,680 Speaker 3: even labeled bloody podcasts hex and people messaged me They're like, 569 00:25:16,920 --> 00:25:18,920 Speaker 3: what's that and I was like, you are a baby. 570 00:25:19,160 --> 00:25:19,760 Speaker 2: You're too young. 571 00:25:19,840 --> 00:25:22,920 Speaker 3: I'm sorry, I'm too old. Should not be on any 572 00:25:22,960 --> 00:25:24,119 Speaker 3: podcasting platforms. 573 00:25:24,320 --> 00:25:27,960 Speaker 2: So very funny. Anyway, the hex help student debt that 574 00:25:28,040 --> 00:25:31,200 Speaker 2: I had has now been paid off. Oh good job, 575 00:25:31,440 --> 00:25:33,040 Speaker 2: which I'm super excited about. 576 00:25:33,359 --> 00:25:35,399 Speaker 3: Mine's not even paid off. That's a flex. 577 00:25:35,720 --> 00:25:37,760 Speaker 2: I should preface I did choose a Bachelor of Arts, 578 00:25:37,800 --> 00:25:39,600 Speaker 2: which back in the day when I started doing it 579 00:25:39,880 --> 00:25:41,639 Speaker 2: was quite a bit less expensive than a number of 580 00:25:41,680 --> 00:25:44,240 Speaker 2: other degrees, so I should mention that I was fortunate 581 00:25:44,320 --> 00:25:46,960 Speaker 2: in that regard. But I have you been working hard 582 00:25:47,440 --> 00:25:50,080 Speaker 2: and kind of working my way up the ladder in 583 00:25:50,359 --> 00:25:53,240 Speaker 2: the place that I work to you know, keep paying 584 00:25:53,280 --> 00:25:55,000 Speaker 2: that off at a reasonable rate. And it took me 585 00:25:55,000 --> 00:25:57,480 Speaker 2: about five years all up from graduation to pay it off, 586 00:25:57,520 --> 00:26:00,320 Speaker 2: so it's not like it was overnight, but very started 587 00:26:00,320 --> 00:26:01,080 Speaker 2: to pay that off. 588 00:26:01,520 --> 00:26:04,120 Speaker 3: No, that stuff takes ages, but that is so cool. 589 00:26:04,200 --> 00:26:06,720 Speaker 2: Congrats, thank you. But it does mean that I had 590 00:26:07,040 --> 00:26:09,040 Speaker 2: a little bit extra. So I've now the amount that 591 00:26:09,280 --> 00:26:13,320 Speaker 2: was going into my tax to pay that off. I've 592 00:26:13,359 --> 00:26:15,240 Speaker 2: now split it in half, and I pay a little 593 00:26:15,280 --> 00:26:17,880 Speaker 2: bit extra tax just so that at tax time there's 594 00:26:18,040 --> 00:26:20,359 Speaker 2: something there to pay for various things that come up, 595 00:26:20,400 --> 00:26:22,399 Speaker 2: as things always do at tax time, and then the 596 00:26:22,520 --> 00:26:24,399 Speaker 2: other little portion goes into my super. 597 00:26:24,600 --> 00:26:27,240 Speaker 3: Yeah. No, that's very cool, very cool. I love that 598 00:26:27,400 --> 00:26:29,760 Speaker 3: for you. So are you investing in any other ways? 599 00:26:30,040 --> 00:26:32,320 Speaker 2: No, those are my only investments. I haven't had any 600 00:26:32,320 --> 00:26:34,600 Speaker 2: property or anything like that, so it's it's super and 601 00:26:34,760 --> 00:26:36,200 Speaker 2: raise and EASIF. 602 00:26:36,440 --> 00:26:38,240 Speaker 3: Now I'm gonna take a stab in the dark. I 603 00:26:38,280 --> 00:26:39,760 Speaker 3: don't think you've got any debt, do you? 604 00:26:40,040 --> 00:26:41,800 Speaker 2: I do not. I do not have any well, other 605 00:26:41,840 --> 00:26:43,639 Speaker 2: than the mortgage. That's a fairly sizable debt, but that 606 00:26:43,640 --> 00:26:45,840 Speaker 2: doesn't count in my opinion. I have no other debt. 607 00:26:46,359 --> 00:26:49,000 Speaker 3: Tell me about this mortgage. What did you purchase from 608 00:26:49,119 --> 00:26:51,360 Speaker 3: when we're like, give us the juicy details. 609 00:26:51,600 --> 00:26:55,080 Speaker 2: Yeah, sure, So we purchased a little townhouse. It's a 610 00:26:55,320 --> 00:26:57,879 Speaker 2: two bedroom, two bathroom or two bedroom, two and a 611 00:26:57,920 --> 00:27:01,200 Speaker 2: half bathroom. Brother. It's got a little power room sort 612 00:27:01,240 --> 00:27:04,080 Speaker 2: of toilet downstairs, and then both the bedrooms upstairs are 613 00:27:04,119 --> 00:27:06,240 Speaker 2: actually on suites, which we are very proud of. 614 00:27:07,720 --> 00:27:10,320 Speaker 3: That's nice. Well, the guests aren't going to use the 615 00:27:10,400 --> 00:27:13,240 Speaker 3: upstairs bathroom if they've got a powder room, so unnecessary. 616 00:27:13,440 --> 00:27:15,000 Speaker 2: Yeah, we love a powder room. I mean, no one's 617 00:27:15,040 --> 00:27:17,080 Speaker 2: powdering their nose anymore. It's a very funny term to 618 00:27:17,200 --> 00:27:18,159 Speaker 2: use for But. 619 00:27:18,359 --> 00:27:20,960 Speaker 3: You know what, it's better than calling it the toilet room, 620 00:27:21,040 --> 00:27:21,320 Speaker 3: isn't it? 621 00:27:21,800 --> 00:27:24,000 Speaker 2: Like it sounds fancy. I'm just going to the powder 622 00:27:24,080 --> 00:27:26,000 Speaker 2: room one moment. I'll just be in the powder room. 623 00:27:26,440 --> 00:27:27,160 Speaker 2: I'll be right back. 624 00:27:27,320 --> 00:27:29,000 Speaker 3: It makes you sound rich. You can tell people. 625 00:27:29,080 --> 00:27:29,240 Speaker 2: Yeah. 626 00:27:29,280 --> 00:27:31,480 Speaker 3: Sorry, on the weekend, I was cleaning my powder room 627 00:27:31,600 --> 00:27:32,680 Speaker 3: like that does feel rich. 628 00:27:32,800 --> 00:27:34,080 Speaker 2: It makes me feel very rich. 629 00:27:34,280 --> 00:27:36,600 Speaker 3: You've got three toilets in your house, that's a flex. 630 00:27:36,720 --> 00:27:38,879 Speaker 3: I only had one toilet in my house growing up. 631 00:27:39,000 --> 00:27:41,640 Speaker 2: It's such a privilege, isn't it having more than one bathroom, 632 00:27:41,720 --> 00:27:43,280 Speaker 2: especially when I live with a man. And I'm not 633 00:27:43,320 --> 00:27:45,000 Speaker 2: sure about anybody else who lives with a man, but 634 00:27:45,080 --> 00:27:46,639 Speaker 2: it's nice to have more than one bathroom when you 635 00:27:46,720 --> 00:27:47,159 Speaker 2: live with a man. 636 00:27:47,280 --> 00:27:49,920 Speaker 3: One hundred percent, one hundred percent, I know exactly what 637 00:27:49,960 --> 00:27:51,800 Speaker 3: you're talking about. In fact, I don't know how I 638 00:27:51,920 --> 00:27:55,000 Speaker 3: grew up with another Like I had a sister growing 639 00:27:55,080 --> 00:27:56,639 Speaker 3: up and my mum and my dad and we all 640 00:27:56,720 --> 00:27:59,480 Speaker 3: shared one bathroom, like, I don't know how one of 641 00:27:59,560 --> 00:28:01,520 Speaker 3: us did in it and dead if I'm being honest, 642 00:28:01,720 --> 00:28:02,280 Speaker 3: It's where. 643 00:28:02,119 --> 00:28:05,160 Speaker 2: Fights start, isn't It's where family fights start in the bathroom. 644 00:28:04,920 --> 00:28:08,480 Speaker 3: One hundred percent. So now my husband he can go downstairs. 645 00:28:08,720 --> 00:28:09,800 Speaker 2: That's the plan. Fair. 646 00:28:10,480 --> 00:28:12,520 Speaker 3: I feel like that's reasonable. So how much did you 647 00:28:12,600 --> 00:28:13,520 Speaker 3: purchase this house for? 648 00:28:13,680 --> 00:28:16,919 Speaker 2: And when we purchased it for six hundred and fifteen 649 00:28:17,080 --> 00:28:21,080 Speaker 2: thousand dollars, we bought it in it was right at 650 00:28:21,119 --> 00:28:24,240 Speaker 2: the end of twenty twenty three, so we actually settled 651 00:28:24,280 --> 00:28:27,560 Speaker 2: on the twenty third of December twenty twenty three. Oh, 652 00:28:27,840 --> 00:28:30,000 Speaker 2: very cool, which was a little bit stressful at a 653 00:28:30,000 --> 00:28:32,040 Speaker 2: stressful time to be trying to settle. 654 00:28:32,160 --> 00:28:34,560 Speaker 3: I was about to say, yeah, but merry Christmas. You 655 00:28:34,960 --> 00:28:37,080 Speaker 3: settled and then got to have Christmas, and you went 656 00:28:37,160 --> 00:28:39,000 Speaker 3: stressed over Christmas because you'd already done it. 657 00:28:39,200 --> 00:28:41,520 Speaker 2: Yes, it was very nice to have it off the 658 00:28:41,600 --> 00:28:43,360 Speaker 2: list of stressful things at Christmas time. 659 00:28:43,480 --> 00:28:45,479 Speaker 3: And do you know what that property is worth now? 660 00:28:45,720 --> 00:28:48,600 Speaker 2: It's probably pretty similar at the moment we live in 661 00:28:48,680 --> 00:28:50,120 Speaker 2: a suburb where there seems to be a house for 662 00:28:50,200 --> 00:28:53,240 Speaker 2: sale every other day, so we're kind of keeping an 663 00:28:53,280 --> 00:28:55,000 Speaker 2: eye on the market. I don't think it will have 664 00:28:55,040 --> 00:28:58,440 Speaker 2: fluctuated too much. We have made some improvement to it 665 00:28:59,160 --> 00:29:00,840 Speaker 2: well in our humble in and we've added you know, 666 00:29:00,960 --> 00:29:02,680 Speaker 2: grass and a bit of a nice garden, and we've 667 00:29:02,760 --> 00:29:05,280 Speaker 2: changed out some things in the kitchen drawers, cupboards, that 668 00:29:05,440 --> 00:29:07,560 Speaker 2: kind of thing, crim safe. I'm a big fan of 669 00:29:07,720 --> 00:29:10,920 Speaker 2: crim safe. Oh yes, yes, that makes me feel good. Yes, 670 00:29:11,000 --> 00:29:12,800 Speaker 2: the crim safe on there. So all that sort of 671 00:29:12,840 --> 00:29:15,880 Speaker 2: stuff we would hope would bolster its value a little 672 00:29:15,920 --> 00:29:17,840 Speaker 2: bit more. But we've only been in here for we've 673 00:29:17,880 --> 00:29:19,720 Speaker 2: been living here for about a year and a half, 674 00:29:19,840 --> 00:29:23,560 Speaker 2: almost two years, so we kind of haven't haven't kept 675 00:29:23,640 --> 00:29:26,320 Speaker 2: too much of an eye on sort of where it's going, 676 00:29:26,400 --> 00:29:27,920 Speaker 2: Like kind of like, let's just sit out on it, 677 00:29:28,040 --> 00:29:29,479 Speaker 2: make it ours and live in it for a few 678 00:29:29,560 --> 00:29:31,120 Speaker 2: years and more, come back and revisit. No. 679 00:29:31,280 --> 00:29:33,600 Speaker 3: I totally get that. I'm just so pervy. I'm like, 680 00:29:33,960 --> 00:29:35,840 Speaker 3: so do you know if it's worth anymore? Because like 681 00:29:36,160 --> 00:29:38,200 Speaker 3: on the odd occasion we meet someone and they're like, yeah, 682 00:29:38,360 --> 00:29:40,959 Speaker 3: got revalued, and it's like worth US squillion dollars now, 683 00:29:41,000 --> 00:29:41,960 Speaker 3: and you're like, what the heck? 684 00:29:42,200 --> 00:29:44,040 Speaker 2: Those stories are crazy? I'm so jealous. 685 00:29:44,200 --> 00:29:45,920 Speaker 3: Well, it'll be you at some point, don't you worry. 686 00:29:46,000 --> 00:29:48,560 Speaker 3: Don't you worry, So talk to me. I feel like 687 00:29:49,120 --> 00:29:50,760 Speaker 3: to go to having a full time job with a 688 00:29:50,840 --> 00:29:53,680 Speaker 3: side hustle. Your homeowner. You've got to share portfolio. You've 689 00:29:53,720 --> 00:29:55,760 Speaker 3: got very sexy souper. I'm still going to argue with 690 00:29:55,840 --> 00:29:57,560 Speaker 3: you about you being a bee, but I want to 691 00:29:57,640 --> 00:29:59,600 Speaker 3: know what do you think your best money habit is. 692 00:30:00,000 --> 00:30:04,400 Speaker 2: I think the ortomization of absolutely everything related to finance 693 00:30:04,440 --> 00:30:07,280 Speaker 2: for me is my best money habit. I'm pretty good 694 00:30:07,280 --> 00:30:09,000 Speaker 2: at record keeping as well. So I get to tax 695 00:30:09,080 --> 00:30:11,000 Speaker 2: time and I'm not stressed at all because I've been 696 00:30:11,080 --> 00:30:13,760 Speaker 2: keeping track of that stuff all year long. I'm ready. 697 00:30:13,760 --> 00:30:15,200 Speaker 2: I love tax time. I'm like, here, I am with 698 00:30:15,280 --> 00:30:16,960 Speaker 2: my spreadsheet, and I've got all my receipts and I've 699 00:30:17,000 --> 00:30:19,440 Speaker 2: got everything that I need. Here's my list of income 700 00:30:19,600 --> 00:30:22,600 Speaker 2: from various places. Here go, mister tax accountant, please sort 701 00:30:22,640 --> 00:30:23,000 Speaker 2: that out for me. 702 00:30:23,160 --> 00:30:27,560 Speaker 3: Good job, especially as a side hustler. Good job. That's 703 00:30:27,680 --> 00:30:29,680 Speaker 3: very stressful. On the flip side, though, what are you 704 00:30:29,760 --> 00:30:31,880 Speaker 3: maybe not so good at what's your worst money habit. 705 00:30:32,240 --> 00:30:35,400 Speaker 2: I'm definitely I've got a little bit of an impulse spending, 706 00:30:36,520 --> 00:30:39,920 Speaker 2: not problem, maybe just a bit of an enthusiasm for 707 00:30:40,000 --> 00:30:43,480 Speaker 2: a little impulse spend. I have a in Quote Marks 708 00:30:43,600 --> 00:30:47,720 Speaker 2: emergency credit cards that often gets used for a little 709 00:30:47,720 --> 00:30:50,520 Speaker 2: bit of extraneous spending towards the end of the pay cycle. 710 00:30:51,000 --> 00:30:53,040 Speaker 2: It has a twenty percent interest rate on it, though, 711 00:30:53,280 --> 00:30:56,840 Speaker 2: so I'm always very stressed about getting caught out having 712 00:30:56,880 --> 00:30:59,280 Speaker 2: to pay back twenty percent interest, so to my own credit, 713 00:30:59,840 --> 00:31:02,040 Speaker 2: very diligent about paying it off as soon as I 714 00:31:02,080 --> 00:31:02,480 Speaker 2: get paid. 715 00:31:02,960 --> 00:31:05,000 Speaker 3: Yeah, yeah, I get that. You're kind of like, this 716 00:31:05,200 --> 00:31:08,240 Speaker 3: sounded like a good idea until the reality of it 717 00:31:08,480 --> 00:31:11,680 Speaker 3: reminded me that it's a terrible idea. Yes, yes, I 718 00:31:11,840 --> 00:31:13,720 Speaker 3: totally get that. Now tell me a little bit more 719 00:31:13,760 --> 00:31:15,760 Speaker 3: about this B plus, because like, while that's still a 720 00:31:15,840 --> 00:31:20,400 Speaker 3: good mark, I do feel like you're doing pretty well 721 00:31:20,840 --> 00:31:23,480 Speaker 3: after having this conversation. Would you change that? If not? 722 00:31:23,920 --> 00:31:25,520 Speaker 3: What's it going to take to get you to say 723 00:31:25,640 --> 00:31:27,840 Speaker 3: I think I'm an av Maybe. 724 00:31:27,600 --> 00:31:30,600 Speaker 2: I could be nice to myself and bump myself up 725 00:31:30,960 --> 00:31:33,320 Speaker 2: to an a you know, some of that frivolous spending 726 00:31:33,360 --> 00:31:36,640 Speaker 2: at times is you know, it's not outside of my means. 727 00:31:36,680 --> 00:31:38,400 Speaker 2: You know, I've taken care of everything with my automation, 728 00:31:39,480 --> 00:31:42,240 Speaker 2: feel and everything are paid for and it's bringing me joy. 729 00:31:42,480 --> 00:31:45,680 Speaker 2: It's aligning with my values. So maybe I'm doing okay. 730 00:31:45,720 --> 00:31:46,680 Speaker 2: Maybe I can give myself an A. 731 00:31:46,880 --> 00:31:49,480 Speaker 3: Yeah see okay, I feel like that's good. Especially it 732 00:31:49,560 --> 00:31:51,560 Speaker 3: can be quite confronting when you hear back your own 733 00:31:51,640 --> 00:31:53,240 Speaker 3: money story and then you have a chat with me 734 00:31:53,320 --> 00:31:55,360 Speaker 3: and I'm like, hey, yep, that's good. That's not this 735 00:31:55,600 --> 00:31:57,640 Speaker 3: is this, this is that, And then I'm like, what 736 00:31:57,720 --> 00:31:58,960 Speaker 3: would it take for you to get to an A. 737 00:31:59,080 --> 00:32:01,320 Speaker 3: You're like, actually, yeah, I have explained an A situation, 738 00:32:01,480 --> 00:32:02,480 Speaker 3: haven't I Yeah. 739 00:32:02,320 --> 00:32:04,640 Speaker 2: It's kind of it's good self reflection. I feel better 740 00:32:04,640 --> 00:32:05,440 Speaker 2: about myself today. 741 00:32:05,760 --> 00:32:08,920 Speaker 3: I love that for you. No, good, good, Well, it's 742 00:32:08,960 --> 00:32:11,080 Speaker 3: been an absolute pleasure. I wish we had so much 743 00:32:11,160 --> 00:32:13,200 Speaker 3: more time to have more of a yap. I feel 744 00:32:13,200 --> 00:32:15,680 Speaker 3: like we get on really well. But also like your 745 00:32:15,720 --> 00:32:19,240 Speaker 3: story is just so interesting. Like also, shout out to 746 00:32:19,280 --> 00:32:21,760 Speaker 3: your mom. She sounds like an absolute bloody legend. 747 00:32:21,960 --> 00:32:22,720 Speaker 2: She's amazing. 748 00:32:22,920 --> 00:32:25,440 Speaker 3: I love her for you, Like I just I wish 749 00:32:25,560 --> 00:32:28,479 Speaker 3: everybody was as passionate about their parents as you are 750 00:32:28,640 --> 00:32:31,040 Speaker 3: so Thank you so much for coming on the show. 751 00:32:31,120 --> 00:32:33,000 Speaker 3: Thank you for sharing your story. I just know that 752 00:32:33,080 --> 00:32:35,280 Speaker 3: our community is going to have loved listening to this 753 00:32:35,440 --> 00:32:37,760 Speaker 3: as much as I have loved the privilege of recording it. 754 00:32:37,920 --> 00:32:39,200 Speaker 2: Thank you so much for having me. It's been an 755 00:32:39,200 --> 00:32:41,600 Speaker 2: absolute pleasure. I love the podcast so much. That's really 756 00:32:41,680 --> 00:32:42,480 Speaker 2: fun to be involved. 757 00:32:42,680 --> 00:32:43,600 Speaker 3: You are so sweet. 758 00:32:43,760 --> 00:32:44,080 Speaker 2: Thank you. 759 00:32:50,720 --> 00:32:53,240 Speaker 4: If I shared on She's on the Money is generally 760 00:32:53,400 --> 00:32:54,320 Speaker 4: nature and does not. 761 00:32:54,480 --> 00:32:56,400 Speaker 3: Consider your individual circumstances. 762 00:32:56,800 --> 00:33:00,200 Speaker 4: She's on the Money exists purely for educational purposes and 763 00:33:00,280 --> 00:33:02,680 Speaker 4: should not be relied upon to make an investment or 764 00:33:02,760 --> 00:33:06,320 Speaker 4: financial decision. If you do choose to buy a financial product, 765 00:33:06,440 --> 00:33:09,880 Speaker 4: read the PDS TMD and obtain appropriate financial. 766 00:33:09,560 --> 00:33:11,280 Speaker 3: Advice tailored towards your needs. 767 00:33:11,720 --> 00:33:15,600 Speaker 4: Victoria Divine and Sheese on the Money are authorized representatives 768 00:33:15,680 --> 00:33:18,240 Speaker 4: of Money sherper P t y lt D a b 769 00:33:18,400 --> 00:33:21,440 Speaker 4: N three two one six four nine two seven seven 770 00:33:21,600 --> 00:33:25,040 Speaker 4: zero eight AFSL four five one two eight nine