WEBVTT - FRIDAY DRINKS: Christmas Countdown! 0:00:00.200 --> 0:00:19.440 She's on the Money. She's on the Money. 0:00:23.120 --> 0:00:26.240 Hello, and welcome to She's on the Money, the podcast 0:00:26.280 --> 0:00:27.280 for millennials who. 0:00:27.280 --> 0:00:28.960 Want financial freedom. 0:00:29.360 --> 0:00:32.240 Welcome back to another one of our Friday Drinks episodes 0:00:32.360 --> 0:00:35.040 from Lockdown once again, where we get to celebrate the 0:00:35.080 --> 0:00:38.040 money wins from our She's on the Money community. As 0:00:38.080 --> 0:00:41.199 we all know, there are heaps, literally hundreds, and I 0:00:41.240 --> 0:00:43.879 would almost say thousands of money winds shared in our 0:00:43.920 --> 0:00:46.680 community each and every single week, and now is the 0:00:46.760 --> 0:00:49.880 time for us to make them shine so tony before 0:00:49.920 --> 0:00:52.159 we jump into the winds this week, can you tell 0:00:52.240 --> 0:00:54.360 us what happened on Monday's Money Diary. 0:00:55.040 --> 0:00:58.800 Our money diarist this week shared her journey from coming 0:00:58.800 --> 0:01:02.520 from South America to a US Australia and how she's 0:01:02.560 --> 0:01:06.080 got limitations on how much she can work on her 0:01:06.160 --> 0:01:10.600 visa while she's in OZ and just talked about kind 0:01:10.640 --> 0:01:13.160 of some ways that you can try and get through 0:01:13.160 --> 0:01:15.880 the visa process if it's something you're looking into or 0:01:15.920 --> 0:01:18.520 you've done it before. I think it was a really 0:01:18.600 --> 0:01:20.800 good one because we had quite a few messages of 0:01:20.840 --> 0:01:23.560 people saying they related to that, or they'd looked at 0:01:23.600 --> 0:01:27.200 moving overseas or moving to Australia and had kind of 0:01:27.200 --> 0:01:30.039 been through a similar process, and I think it was 0:01:30.319 --> 0:01:33.319 a nice different one that got a lot of people 0:01:33.959 --> 0:01:36.520 in the heart because she could only work a few 0:01:36.520 --> 0:01:39.240 hours a week and stuff, and even though she used 0:01:39.280 --> 0:01:43.200 to earn an exorbitant amount of money per year USD, 0:01:43.600 --> 0:01:45.839 then moving here can only work twenty hours a week. 0:01:45.920 --> 0:01:47.559 So yeah, it was a really good one. 0:01:47.800 --> 0:01:51.360 Sep be insightful, hey into something that obviously I personally 0:01:51.400 --> 0:01:54.520 have never experienced. I found that diary really interesting. 0:01:54.800 --> 0:01:57.080 In my course at Melbourne UNI, we have lots of 0:01:57.200 --> 0:02:01.880 international students and same thing. You kind of just assume like, oh, 0:02:01.960 --> 0:02:03.640 you can do a summer internship and they're like, oh, 0:02:03.640 --> 0:02:05.200 but we're not allowed to work more than twenty hours 0:02:05.240 --> 0:02:07.920 a week, so it's pretty NiCd yah. Even though it's 0:02:08.160 --> 0:02:10.639 for four weeks of the year, they're still not allowed 0:02:10.639 --> 0:02:13.120 to do it. And a lot of students will work 0:02:13.520 --> 0:02:16.799 crazy hours in the UNI breaks so then they can, 0:02:17.080 --> 0:02:19.160 but they can't do that because of that twenty hour limit, 0:02:19.200 --> 0:02:21.120 so it actually is pretty inflexible and it makes it 0:02:21.160 --> 0:02:23.960 really tricky. So yeah, I hear lots of stories like 0:02:24.000 --> 0:02:25.280 that and it was great to get a bit more 0:02:25.280 --> 0:02:26.120 insight on Monday. 0:02:26.320 --> 0:02:28.240 It's so nice that our community want to share that 0:02:28.280 --> 0:02:31.240 stuff with us too, because that's that's something that they 0:02:31.240 --> 0:02:33.280 didn't have to take the time to share. Like it 0:02:33.320 --> 0:02:35.519 was an arduous story, like it was hard to tell, 0:02:35.560 --> 0:02:37.440 Like there's a lot of parts to it, and like 0:02:37.840 --> 0:02:40.880 I think that Tony and I really appreciated the intricacy 0:02:41.000 --> 0:02:43.679 of the story as well, because we've got to understand like, well, 0:02:43.680 --> 0:02:45.560 how did you make money and what were you earning 0:02:45.600 --> 0:02:47.440 before and what are you earning now? And it was 0:02:47.520 --> 0:02:51.079 just like, Wow, she's achieved so much. And from my perspective, 0:02:51.400 --> 0:02:55.000 I've only ever learned about international students just by you know, 0:02:55.240 --> 0:02:57.480 being with them in class and like having chats and 0:02:57.520 --> 0:03:00.320 you're not going to turn to your peers and go, hey, Ryan, 0:03:00.400 --> 0:03:01.560 how do you afford UNI? 0:03:01.880 --> 0:03:04.519 Like that is that something I shouldn't be doing. 0:03:06.160 --> 0:03:08.120 Of all people, you'd get away with it, but it's 0:03:08.160 --> 0:03:10.640 just not something that I'd had the conversation about. And 0:03:10.680 --> 0:03:12.760 I just feel like that's a really special position to 0:03:12.800 --> 0:03:15.240 be in, to be given the intricate details to go, wow, 0:03:15.320 --> 0:03:17.440 that actually would be such a struggle. 0:03:18.120 --> 0:03:20.720 Yeah, And also to hear that she has to pay 0:03:20.760 --> 0:03:23.080 for all of her UNI upfront, but has to keep 0:03:23.120 --> 0:03:27.680 doing courses to keep her visa, you know, legitimate, And 0:03:28.280 --> 0:03:30.840 it was just it was really interesting because I mean 0:03:31.000 --> 0:03:33.120 I never had to go through any of that, and 0:03:33.160 --> 0:03:35.960 it was just quite an eye opening story. So it 0:03:36.040 --> 0:03:38.600 was nice to hear that the community really resonated with 0:03:38.640 --> 0:03:39.040 it as well. 0:03:39.120 --> 0:03:40.920 Yeah, I loved it, And you know what else, I 0:03:41.040 --> 0:03:45.080 loved Wednesday's episode, So jess what happened on Wednesday? 0:03:45.480 --> 0:03:48.840 On Wednesday, you and George spoke all about teaching kids 0:03:48.920 --> 0:03:51.240 about money, because we've kind of come to these places 0:03:51.240 --> 0:03:54.440 where our community has learned so much ourselves, and we 0:03:54.560 --> 0:03:57.119 know that a huge portion of our community have families 0:03:57.200 --> 0:03:59.960 or nieces or nephews or brothers and sisters that they 0:04:00.120 --> 0:04:02.920 want to pass that information onto, but obviously it's a 0:04:02.920 --> 0:04:06.280 little more challenging to scale it back so that it's 0:04:06.360 --> 0:04:09.080 consumable for a child. So we spoke about a few 0:04:09.120 --> 0:04:12.160 different ways that you can kind of teach the value 0:04:12.200 --> 0:04:15.520 of money and saving, and there's a really good thread. 0:04:15.520 --> 0:04:17.520 We post a wrap of the podcast every week in 0:04:17.520 --> 0:04:19.840 the Facebook group and we ask for people to share 0:04:19.880 --> 0:04:22.240 their own suggestions of how they've taught their kids, and 0:04:22.279 --> 0:04:25.200 there was some really, really great ideas on there as well, 0:04:26.040 --> 0:04:29.160 and it pairs nicely because quite a while ago now, 0:04:29.200 --> 0:04:31.560 we actually did an episode on investing for kids, and 0:04:31.600 --> 0:04:33.839 that's something else that kind of comes up hand in hand. 0:04:34.160 --> 0:04:37.680 But there's no point necessarily investing if you don't teach 0:04:37.720 --> 0:04:39.480 your kids and the value of money. At least that's 0:04:39.520 --> 0:04:41.200 kind of how I feel. Because you can lead a 0:04:41.200 --> 0:04:43.479 horse to water, you can't make it drink. And you know, 0:04:43.520 --> 0:04:45.640 it's awesome that people want to put together these great 0:04:45.680 --> 0:04:48.120 portfolios and set their kids up, but if they don't 0:04:48.200 --> 0:04:52.240 understand the value of what you're essentially gifting them, you know, 0:04:52.520 --> 0:04:54.360 is that a little bit you know, over their heads 0:04:54.400 --> 0:04:56.599 or wasted. So it's really cool to see these people 0:04:57.040 --> 0:04:59.120 taking the steps and taking the time to make sure 0:04:59.160 --> 0:05:01.839 that the next generation is going to be so educated 0:05:02.160 --> 0:05:04.840 and they're going to be so aware and hopefully able 0:05:04.880 --> 0:05:07.600 to build themselves these really amazing lives that we all 0:05:07.680 --> 0:05:08.760 dream of, hopefully. 0:05:08.800 --> 0:05:10.320 And I think that that was my favorite part of 0:05:10.360 --> 0:05:13.200 the episode because a lot of learning actually comes from 0:05:13.360 --> 0:05:17.440 our own experiences and us actually being really good at money. 0:05:17.520 --> 0:05:22.000 Because kids, and I've said this probably a million times before, 0:05:22.080 --> 0:05:25.279 but they learn through your actions, So you could sit 0:05:25.320 --> 0:05:27.119 them down, or I could sit my niece and nephew 0:05:27.120 --> 0:05:29.279 down and be like, all right, Oscar Georgia, are you ready? 0:05:29.560 --> 0:05:32.160 This is what compound interest is. Like, I know you're 0:05:32.200 --> 0:05:33.320 twoing for, but that. 0:05:33.320 --> 0:05:34.080 Is not the point. 0:05:34.160 --> 0:05:36.960 What you're going to do is learn about compound interest, 0:05:37.000 --> 0:05:39.719 and this is how to evaluate an ETF. This is 0:05:39.720 --> 0:05:42.160 what an index portfolio is. And I think it's one 0:05:42.200 --> 0:05:44.080 of those things where it's not about sitting them down 0:05:44.120 --> 0:05:47.280 and necessarily teaching them, but rather leading by example and 0:05:47.320 --> 0:05:49.839 showing them what that means and involving them in the 0:05:49.880 --> 0:05:54.159 household budgeting and grocery shopping and teaching them what money 0:05:54.279 --> 0:05:57.280 actually looks like. So from my perspective, it's a lot 0:05:57.320 --> 0:06:00.000 of yeah, cool, let's teach kids about money, but it's 0:06:00.080 --> 0:06:02.239 also a little bit of a kick in the bottom 0:06:02.279 --> 0:06:05.040 to go. You need to actually get your stuff together 0:06:05.400 --> 0:06:07.400 because they're going to learn your habits. 0:06:07.640 --> 0:06:09.520 Yeah. So moving on. 0:06:09.839 --> 0:06:13.080 Every week, Ryan, you tell us your favorite money wins 0:06:13.120 --> 0:06:14.839 from the She's on the Money community. 0:06:14.880 --> 0:06:16.840 So what have you got for us this week? 0:06:17.240 --> 0:06:21.080 All right, First of all, coming up, there's fake news 0:06:21.400 --> 0:06:23.440 in these money wins. 0:06:23.480 --> 0:06:26.359 Fake news She's on the Money community is. 0:06:26.360 --> 0:06:29.880 About someone I know, and I hate to point it out, 0:06:29.960 --> 0:06:32.839 but someone's lying to us, and I'll get to that soon. 0:06:33.600 --> 0:06:37.840 First of all, Jenna, she said, this morning was the 0:06:37.880 --> 0:06:40.800 first morning in eight years that I've woken up to 0:06:41.160 --> 0:06:44.520 zero balance on both my and my husband's credit cards. 0:06:45.839 --> 0:06:48.200 I'm so exciting, She said. 0:06:48.240 --> 0:06:50.320 They've been in debt for eight years, but in the 0:06:50.400 --> 0:06:52.960 last twenty months they've really knuckled down and made a 0:06:53.040 --> 0:06:55.680 really conscious effort, and today was that day they woke 0:06:55.800 --> 0:06:58.479 up zero zero, clean slate. Well done to Jenna and 0:06:58.520 --> 0:07:01.800 her husband. That's pretty impressive. Now, I've had a few 0:07:01.800 --> 0:07:04.880 of these recently, and if you don't ask, you don't get. 0:07:04.880 --> 0:07:07.680 We've always talked about this, Emma said, I've been annoying 0:07:07.680 --> 0:07:10.280 my boss and operations manager with all my research on 0:07:10.360 --> 0:07:13.840 why I deserve a five kpay rise. Well, today not 0:07:13.880 --> 0:07:15.880 only did I get one, but they doubled it and 0:07:15.920 --> 0:07:18.840 gave me an extra ten thousand dollars, which is nearly 0:07:18.880 --> 0:07:21.480 twenty one percent, and they backdated it to the start 0:07:21.480 --> 0:07:24.880 of the financial year when we started having these conversations. 0:07:25.320 --> 0:07:29.240 What I'm mad is awesome. That is exciting. 0:07:29.400 --> 0:07:32.080 Also, props to you on having the confidence to put 0:07:32.120 --> 0:07:33.520 something together and pitch it. 0:07:33.800 --> 0:07:34.400 I love that. 0:07:35.080 --> 0:07:36.200 Yeah, it's pretty impressive. 0:07:36.200 --> 0:07:40.160 Now this is pretty crazy, actually, Vanessa said, I woke 0:07:40.240 --> 0:07:43.280 up this morning and randomly remembered I bought stock six 0:07:43.320 --> 0:07:44.880 months ago, and I haven't looked at it. 0:07:44.880 --> 0:07:46.440 I haven't checked, totally forgot about it. 0:07:46.720 --> 0:07:49.640 So she picked up her phone and learned that the 0:07:49.680 --> 0:07:52.680 stock had risen two hundred and fifty percent. 0:07:53.680 --> 0:07:55.200 Six months, like a hawk. 0:07:55.720 --> 0:07:57.680 Well it's funny you mentioned hawk because this, I said, 0:07:57.680 --> 0:08:00.880 tell me more. The stock is called metal Hawk, and 0:08:01.320 --> 0:08:03.440 I looked it up on Monday. It was worth Just 0:08:03.480 --> 0:08:05.880 this Monday, it was worth about nineteen cents to share, 0:08:06.120 --> 0:08:08.000 and I just checked before it's up to eighty cents. 0:08:08.040 --> 0:08:10.760 So even this week, it's gone from nineteen to eighty. 0:08:10.840 --> 0:08:13.880 So Vanessa, oh my god, Wow, it's done a delicious surprise. 0:08:14.120 --> 0:08:15.440 How exciting for her. 0:08:17.240 --> 0:08:21.440 Joe, So tell me if this is a thing Joe purchased. 0:08:21.840 --> 0:08:24.680 It's not Vanilla, but it looks like vanilla vaa l 0:08:24.760 --> 0:08:25.560 I a yogurt? 0:08:25.720 --> 0:08:31.800 Is that a thing? Yeah, that's exactly what I said. 0:08:31.960 --> 0:08:36.200 Not Vanillia, all right, and she entered the code to 0:08:36.280 --> 0:08:38.679 win a garment watch. Apparently, you know, it's one of 0:08:38.720 --> 0:08:41.240 those ends of the codes if you're in, she said. 0:08:41.280 --> 0:08:43.200 I assumed it was a you go into the draw, 0:08:43.320 --> 0:08:45.679 but it turns out there's an instant winner every hour 0:08:45.800 --> 0:08:49.600 and she won a Garmin Venu SQ Music Edition watch, 0:08:49.640 --> 0:08:52.360 valued at four hundred and twenty nine dollars. 0:08:52.600 --> 0:08:57.439 A Money said, speaking of winning, has McDonald's monopoly got 0:08:57.480 --> 0:09:02.000 anybody yet? Because but we all know it was getting you, Jess. 0:09:02.120 --> 0:09:03.920 I haven't won anything, but I've put on a lot 0:09:03.960 --> 0:09:04.319 of watch. 0:09:08.000 --> 0:09:10.840 I actually have gotten to the level of like crazy 0:09:11.000 --> 0:09:13.600 where I'm joining Facebook groups to try. 0:09:13.400 --> 0:09:17.160 And tell me. 0:09:19.080 --> 0:09:19.640 Killing me? 0:09:21.120 --> 0:09:24.120 All right, can I suggest a thread for next week 0:09:24.160 --> 0:09:25.520 and for next week's money wins? 0:09:26.280 --> 0:09:28.520 What have you won from McDonald's monopoly, or just what 0:09:28.559 --> 0:09:29.720 have you won? In general? 0:09:29.840 --> 0:09:32.040 Now? What have you won from McDonald's monopoly? 0:09:32.160 --> 0:09:33.520 Okay's morning here? 0:09:33.720 --> 0:09:36.719 Like the specifics of how that worked and. 0:09:36.679 --> 0:09:39.640 What was going on because every year we all spend 0:09:39.679 --> 0:09:42.640 thousands of dollars and fifteen kilos of our own into 0:09:42.760 --> 0:09:45.360 this and who is actually coming out on top. 0:09:46.240 --> 0:09:49.559 This is off topic, but have you guys watched mcmillions, 0:09:49.679 --> 0:09:56.839 the documentary The Corrupt World of McDonald's Monopoly. It's on 0:09:57.120 --> 0:10:00.520 I think it's on Binge and little money win. I'm 0:10:00.559 --> 0:10:03.040 pretty sure that if you're with Telstra you're eligible for 0:10:03.120 --> 0:10:05.920 like three months of binge at a time and stuff 0:10:05.960 --> 0:10:08.840 like that. So if you're a Telstra Plus member, definitely 0:10:08.840 --> 0:10:10.240 have a look into that because you can get some 0:10:10.320 --> 0:10:14.920 free binge and watch millions. Because it's amazing that. 0:10:14.880 --> 0:10:17.240 I'm not going to win the outdoor barbecue? Is that 0:10:17.280 --> 0:10:19.800 with this conversation on. 0:10:19.800 --> 0:10:23.800 To barbecue for Jessica, I cannot imagine you're using one. 0:10:24.600 --> 0:10:27.160 We use our barbecue all the time, jes No judgment. 0:10:27.559 --> 0:10:30.080 It's like the Australian dream judgment. 0:10:31.160 --> 0:10:33.000 Yeah no, because I thought the same. 0:10:33.080 --> 0:10:35.360 I was like, I'll never use a barbecue, like maybe 0:10:35.440 --> 0:10:37.480 once a year if we have friends over and we 0:10:37.679 --> 0:10:40.520 cooked like sausages or something, but we actually use it 0:10:40.559 --> 0:10:40.959 all the time. 0:10:41.000 --> 0:10:41.760 It's very handy. 0:10:42.000 --> 0:10:47.080 We want to get the Webber pizza stone. 0:10:47.320 --> 0:10:49.439 Yeah. Thanks. I have to think feel on that. 0:10:49.880 --> 0:10:52.400 Because of the because of the price of property, the 0:10:52.440 --> 0:10:55.320 Australian dream has been reduced from owning a house to 0:10:55.360 --> 0:10:56.239 owning aet. 0:10:57.559 --> 0:10:59.880 You're now like, I'll settle for the barbecue. 0:11:00.480 --> 0:11:03.800 It's really fancy. It's like a whole kitchen. Sweet. But anyway, 0:11:03.880 --> 0:11:06.040 back on topic, Brian, what was the next. 0:11:05.760 --> 0:11:07.640 One, Jessica? 0:11:07.760 --> 0:11:10.720 Next week, let us know what monopoly tile things you 0:11:10.800 --> 0:11:13.000 need and we'll put a call out to the community. 0:11:13.280 --> 0:11:15.440 We're going to get this barbecue for you, my love, 0:11:15.800 --> 0:11:16.960 just like we got you a cat. 0:11:17.400 --> 0:11:19.959 Yeah, remember the time we got you a cat. That's 0:11:20.040 --> 0:11:20.640 so true. 0:11:22.360 --> 0:11:26.679 Are you ready to hear about the liar that is Tanisha? 0:11:28.200 --> 0:11:28.840 Already? 0:11:29.120 --> 0:11:31.959 Tanisha is lying to all of us. This is fake news. 0:11:32.000 --> 0:11:33.439 I don't believe a word she said. 0:11:33.679 --> 0:11:35.600 Wait, hold on, is this you don't believe it or 0:11:35.600 --> 0:11:37.079 it is legitimate fake news? 0:11:37.200 --> 0:11:37.920 I don't believe it? 0:11:39.000 --> 0:11:40.720 Okay. What was Tanisha's win? 0:11:41.360 --> 0:11:45.800 Tanisha claims that she asked her Jim to cancel her 0:11:45.800 --> 0:11:49.400 membership and they did it. And I think we can 0:11:49.440 --> 0:11:54.200 all agree that is ball because that doesn't happen. So 0:11:54.360 --> 0:11:58.079 bad luck. Good try Tanisha Bailey. Now, Bailey, this is 0:11:58.120 --> 0:12:01.520 a massive money win. She was on the public weightlist 0:12:01.720 --> 0:12:04.280 to get a breast reduction and she was almost about 0:12:04.280 --> 0:12:05.920 to give up because she was on the waitlist for 0:12:05.960 --> 0:12:09.679 so long. So she met with you know the private 0:12:09.840 --> 0:12:13.880 route that you have to pay for fifteen thousand dollars 0:12:14.120 --> 0:12:16.320 and she was just about to fork out the cash. 0:12:16.320 --> 0:12:19.359 But then she got the call from the public weightlist 0:12:19.840 --> 0:12:24.400 and I can confirm that she is currently just recovering 0:12:24.440 --> 0:12:25.760 because she's had the surgery done. 0:12:25.800 --> 0:12:28.400 Everything went well, and so she's. 0:12:28.400 --> 0:12:31.280 Messaging, like I said, resting up, And she said, fifteen 0:12:31.320 --> 0:12:33.280 thousand dollars save. That's a lot of money I can 0:12:33.320 --> 0:12:35.320 spend on new bras and new clothes to go with 0:12:35.360 --> 0:12:37.160 my new boots. So you congradula patients. 0:12:39.600 --> 0:12:45.800 Yeah, maybe a barbecue. That is not what we are grilling. 0:12:46.400 --> 0:12:49.439 And the final money in this week is from Malanie. 0:12:49.520 --> 0:12:52.680 She said, I started a DIY graphic design business called 0:12:52.679 --> 0:12:55.200 Canvra and this week it's worth forty billion dollars. 0:12:55.280 --> 0:13:00.360 Hashtag money win. Well done val coventulations of that. 0:13:00.679 --> 0:13:04.400 Mel Perkins, great work mate, congratulations nice all side hustle story. 0:13:04.520 --> 0:13:07.480 Just to spice, is she in it? 0:13:08.440 --> 0:13:10.119 What is she in our community? 0:13:10.679 --> 0:13:10.719 No? 0:13:10.800 --> 0:13:13.880 I think it might be a little joke. Okay, it's like, 0:13:14.559 --> 0:13:15.120 surely not. 0:13:15.559 --> 0:13:18.760 If every single person in our group had one hundred 0:13:18.800 --> 0:13:21.520 million dollars each, they still wouldn't be worth collectively as 0:13:21.600 --> 0:13:24.640 much as Mel Perkins started. It's just seven years ago. 0:13:24.880 --> 0:13:27.160 And if that tap you to just give it a crack. 0:13:29.280 --> 0:13:30.960 That is so inspirational. 0:13:31.480 --> 0:13:34.000 Yeah, if you want to start a forty billion dollar business, 0:13:34.000 --> 0:13:35.840 go for it. If you want a barbecue, go for it. 0:13:35.960 --> 0:13:38.199 Leave your truth, everyone go for it. 0:13:38.400 --> 0:13:39.720 You guys can leave me one. 0:13:39.720 --> 0:13:42.520 But to go back to her for a hot second. 0:13:42.800 --> 0:13:45.839 She also came out earlier this week and said that 0:13:45.880 --> 0:13:49.319 her and her business partner are actually planning on donating 0:13:49.360 --> 0:13:52.600 thirty percent of that income, which is crazy and you 0:13:52.760 --> 0:13:56.800 often don't see people with such wealth making such public 0:13:56.880 --> 0:14:01.160 declarations with such high percentages of profit that's going to 0:14:01.200 --> 0:14:03.760 go to charity. Like we know that Bill Gates donates 0:14:03.800 --> 0:14:06.240 a lot more, always like oh my gosh, how philanthropic, 0:14:06.320 --> 0:14:08.880 But it's literally less than one percent of his worth. 0:14:09.240 --> 0:14:11.440 So I think it's one of those things where you're like, wow, wow, 0:14:11.559 --> 0:14:15.160 thirty percent. That is huge and something that we absolutely 0:14:15.200 --> 0:14:16.319 should be celebrating. 0:14:16.920 --> 0:14:19.840 What a legend well done out of Perth that started 0:14:19.960 --> 0:14:22.040 and now one of the biggest tech companies in the world. 0:14:22.120 --> 0:14:25.080 So get room in perfose. Well, it wasn't just like 0:14:25.120 --> 0:14:27.840 a little tech company. She was doing it in her bedroom. 0:14:28.000 --> 0:14:30.160 And that's all they say. They go mel Perkins, then 0:14:30.200 --> 0:14:32.960 they go Tony Lodge. It's like the same breadth. 0:14:35.440 --> 0:14:35.720 Of her. 0:14:42.600 --> 0:14:46.480 Laurright jumping straight back in Tony, you haven't stopped talking 0:14:46.480 --> 0:14:47.920 about Christmas this week? 0:14:48.080 --> 0:14:52.040 Why so this week we've crossed a huge milestone. It 0:14:52.160 --> 0:14:54.400 is less than one hundred days till Christmas. 0:14:54.680 --> 0:14:58.000 I'm at it. I know of course Jess is excited. 0:14:58.080 --> 0:15:00.240 Jess's house is probably already decorated. 0:15:00.800 --> 0:15:03.600 I was looking at Christmas trees online this week. 0:15:03.760 --> 0:15:06.120 So one hundred days to Christmas, which means it's only 0:15:06.200 --> 0:15:10.600 fourteen weeks away. And I know what you're thinking, it's September. 0:15:10.720 --> 0:15:13.640 We've got ages, but you actually don't have ages. 0:15:14.120 --> 0:15:16.480 So I've done with the hard hitting truth you don't 0:15:16.520 --> 0:15:17.040 have ages. 0:15:17.160 --> 0:15:19.800 You don't have it's going to come around in the 0:15:19.800 --> 0:15:22.000 blink of an eye. We all know what happens every. 0:15:21.880 --> 0:15:25.520 Year, if every year, Yet I am never more prepared. 0:15:26.480 --> 0:15:29.120 If you're paid monthly, it's only three pay days. 0:15:29.280 --> 0:15:31.760 If you're it's even scarier if you're paid. 0:15:31.560 --> 0:15:34.600 Fortnightly at six So it's actually like we need to 0:15:34.600 --> 0:15:36.360 be thinking about it. If you're one of those people 0:15:36.360 --> 0:15:37.800 who was not prepared. 0:15:38.280 --> 0:15:40.880 With the train, you start planning what you're getting me 0:15:41.000 --> 0:15:41.920 for Christmas? 0:15:42.280 --> 0:15:45.600 Yeah, well, actually, now that you mention it what we've done. 0:15:45.720 --> 0:15:48.320 Jess and I got together, we did some calculations before 0:15:48.400 --> 0:15:51.760 jumping on today, and we figured out how much extra 0:15:51.840 --> 0:15:54.280 you need to save for an extra five hundred dollars, 0:15:54.600 --> 0:15:57.560 thousand dollars two and a half thousand dollars and five 0:15:57.640 --> 0:16:01.320 thousand dollars for that extra money for Christmas? 0:16:01.400 --> 0:16:02.080 Genius? 0:16:02.400 --> 0:16:05.240 So can we can we get into the nitty gritty 0:16:05.280 --> 0:16:05.560 of it? 0:16:05.800 --> 0:16:06.720 How much? 0:16:06.880 --> 0:16:09.080 So is this per week saving or per month? How 0:16:09.080 --> 0:16:10.240 have you guys calculated this? 0:16:10.480 --> 0:16:12.840 I did per week and per fortnight? 0:16:13.320 --> 0:16:14.200 Check you out? 0:16:14.640 --> 0:16:17.480 Okay, So if you would like an extra five hundred 0:16:17.520 --> 0:16:22.000 dollars for Christmas, you need to save thirty six dollars 0:16:22.040 --> 0:16:24.520 a week or seventy two dollars a fortnight. 0:16:24.640 --> 0:16:26.040 That's pretty good, not bad. 0:16:26.080 --> 0:16:28.600 So I mean an extra five hundred dollars depending on 0:16:29.480 --> 0:16:31.960 who you have to buy for, how much you plan on, 0:16:32.080 --> 0:16:34.600 you know, spending on lunch and things like that. I 0:16:34.640 --> 0:16:37.480 think of extra five hundred dollars would do wonders for 0:16:37.520 --> 0:16:38.400 people at Christmas. 0:16:38.440 --> 0:16:41.480 Absolutely it would. And it's always the small stuff that 0:16:41.560 --> 0:16:43.720 adds up. And last year we did an episode on this, 0:16:43.800 --> 0:16:46.320 and I am sure that with Jessica on our team 0:16:46.360 --> 0:16:48.360 this year, we are going to have an abundance of 0:16:48.440 --> 0:16:49.920 Christmas episodes coming up. 0:16:50.400 --> 0:16:52.480 But we spoke about all of those. 0:16:52.320 --> 0:16:56.240 Incidental costs at Christmas time. So it's the extra bottle 0:16:56.240 --> 0:16:57.840 of wine that you take because you're going to your 0:16:57.840 --> 0:17:00.520 friend's house for dinner, And it's the chop that you 0:17:00.520 --> 0:17:02.600 buy to make sure that you've got a gift to 0:17:02.640 --> 0:17:05.120 give somebody, And it's the cost of all the additional 0:17:05.160 --> 0:17:06.880 things that you've got to buy to have people over 0:17:07.040 --> 0:17:10.200 to host, like the napkins and the cups and the plates, 0:17:10.240 --> 0:17:13.720 and even the food is obviously expensive, but five hundred 0:17:13.760 --> 0:17:15.359 bucks that would do wonders. 0:17:16.680 --> 0:17:19.320 So I also worked out how much you would need 0:17:19.359 --> 0:17:22.639 to save to have an extra one thousand dollars, and 0:17:22.680 --> 0:17:24.879 that's you know, that's a lot of money. So that 0:17:24.920 --> 0:17:27.679 would that would be seventy two dollars per week or 0:17:27.680 --> 0:17:29.840 one hundred and forty three dollars a fortnight. 0:17:30.480 --> 0:17:33.320 So I got too unreasonable because a lot of people 0:17:33.440 --> 0:17:36.600 are going to spend that amount come Christmas time. So 0:17:36.720 --> 0:17:39.120 this is kind of like taking this sting out of. 0:17:39.080 --> 0:17:39.720 It in a way. 0:17:40.480 --> 0:17:42.840 Yeah, and I think that a lot of people is 0:17:42.920 --> 0:17:46.080 probably this is probably when the more organized people would 0:17:46.119 --> 0:17:49.399 start thinking about saving for Christmas. I know, I do 0:17:49.560 --> 0:17:52.600 my Christmas shopping. If I ever actually do Christmas shopping, 0:17:52.600 --> 0:17:56.320 it's literally always on Christmas Eve or the day before, Like. 0:17:56.720 --> 0:17:59.439 My house is always decorated and all of that. 0:17:59.560 --> 0:18:03.040 But I do Christmas actual present shopping, you know, two 0:18:03.080 --> 0:18:04.840 days before and all the food. You can only do 0:18:04.920 --> 0:18:08.760 that two days before, and with that anxiety. I need 0:18:08.880 --> 0:18:12.439 anxiety a lot, So it is a challenge mode. 0:18:12.600 --> 0:18:16.960 Yeah, okay, I like that. Sorry, when need wanted that? 0:18:17.760 --> 0:18:19.719 Okay, So if you wanted an extra two and a 0:18:19.720 --> 0:18:22.680 half thousand dollars, which is all pretty good gifts for 0:18:22.720 --> 0:18:25.600 your mates, one hundred and seventy nine dollars per week 0:18:25.680 --> 0:18:29.680 or three hundred and fifty eight dollars a fortnite, which 0:18:30.000 --> 0:18:31.960 you know, that's a lot of money for people to 0:18:32.000 --> 0:18:33.720 put away. I don't know a lot of people that 0:18:33.800 --> 0:18:36.400 could put away one hundred and eighty dollars a week 0:18:36.720 --> 0:18:39.600 on top of probably what they're already spending or putting 0:18:39.640 --> 0:18:42.359 away for you know, their bills and fun money and 0:18:42.400 --> 0:18:43.080 all of that. 0:18:43.000 --> 0:18:43.520 Kind of thing. 0:18:44.080 --> 0:18:46.560 But to have an extra two and a half thousand 0:18:46.600 --> 0:18:48.639 dollars at Christmas if you needed it, you know, if 0:18:48.680 --> 0:18:51.480 you're buying gifts for your kids and you wanted to 0:18:51.520 --> 0:18:54.200 spoil them, or if you were hoping to go away 0:18:54.359 --> 0:18:57.080 for the weekend or something like that, you know you 0:18:57.160 --> 0:18:59.399 might need a little bit extra in the kiddie. 0:18:59.640 --> 0:19:01.439 A lot of people are traveling at that time of year, 0:19:01.480 --> 0:19:02.960