1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,280 --> 00:00:26,200 Speaker 2: Hello, and welcome to the last episode of She's on 3 00:00:26,280 --> 00:00:30,200 Speaker 2: the Money, the podcast for millennials who want financial freedom. 4 00:00:30,400 --> 00:00:32,040 Speaker 3: Now, that sounded pretty dramatic. 5 00:00:32,120 --> 00:00:34,920 Speaker 2: I didn't mean the last ever episode of She's on 6 00:00:34,960 --> 00:00:37,480 Speaker 2: the Money. I meant the last episode for the year 7 00:00:37,560 --> 00:00:41,760 Speaker 2: of twenty twenty one, not ever. But you know, drama 8 00:00:41,920 --> 00:00:43,599 Speaker 2: is my thing. We'll keep it there. I'm not going 9 00:00:43,640 --> 00:00:47,159 Speaker 2: to re record that. This is our Friday Drinks episode 10 00:00:47,200 --> 00:00:49,320 Speaker 2: where we get to celebrate the money wins from our 11 00:00:49,440 --> 00:00:52,320 Speaker 2: She's on the Money community. There are so many great 12 00:00:52,320 --> 00:00:54,720 Speaker 2: money wins and confessions she had each and every single 13 00:00:54,760 --> 00:00:56,920 Speaker 2: week in our Facebook group, and Jess, George and I 14 00:00:57,080 --> 00:00:59,240 Speaker 2: spend a very big part of our week having a 15 00:00:59,320 --> 00:01:02,120 Speaker 2: chat about all that you guys achieved this week. We 16 00:01:02,160 --> 00:01:04,920 Speaker 2: are celebrating you. We are celebrating the end of the year, 17 00:01:05,000 --> 00:01:08,280 Speaker 2: and we are so excited to dive right in. But 18 00:01:08,400 --> 00:01:12,039 Speaker 2: the first cab off the rank, Miss jesse Garichi, what 19 00:01:12,319 --> 00:01:14,600 Speaker 2: happened in Money Diaries this week? 20 00:01:14,680 --> 00:01:18,160 Speaker 4: So this week's diarist chatted to us about I guess 21 00:01:18,160 --> 00:01:20,959 Speaker 4: her youth. She grew up in a low income household. 22 00:01:21,280 --> 00:01:23,640 Speaker 4: There was a history of abuse there, which was obviously 23 00:01:23,680 --> 00:01:26,720 Speaker 4: really tough, and her mum had a history of mental illness, 24 00:01:26,800 --> 00:01:28,960 Speaker 4: so there were a lot of factors in her kind 25 00:01:28,959 --> 00:01:32,560 Speaker 4: of early childhood that really shaped her and her habits 26 00:01:32,560 --> 00:01:33,360 Speaker 4: as an adult. 27 00:01:34,160 --> 00:01:34,880 Speaker 5: She's had a bit of a. 28 00:01:34,920 --> 00:01:37,119 Speaker 4: Rough go over after the last few years, she split 29 00:01:37,120 --> 00:01:39,800 Speaker 4: with her partner who she had bought land with. It 30 00:01:39,840 --> 00:01:42,479 Speaker 4: was a whole thing, and it was just a really 31 00:01:42,760 --> 00:01:47,720 Speaker 4: insightful discussion around I guess how your childhood and how 32 00:01:47,800 --> 00:01:51,440 Speaker 4: your money story really can shape your direction as an adult. 33 00:01:51,480 --> 00:01:54,960 Speaker 4: She's worked incredibly hard to put herself in a different 34 00:01:55,000 --> 00:01:58,480 Speaker 4: position and change that story, which was really inspiring. But 35 00:01:59,120 --> 00:02:02,960 Speaker 4: I guess we don't always delve too deeply into childhood obviously, 36 00:02:03,000 --> 00:02:06,040 Speaker 4: we just chat about whatever the diarist is comfortable sharing, 37 00:02:06,120 --> 00:02:08,840 Speaker 4: and wherever that journey takes us, no two are the same. 38 00:02:09,080 --> 00:02:11,720 Speaker 4: So it was just really interesting, and I'm so grateful 39 00:02:11,720 --> 00:02:14,080 Speaker 4: that she was happy to share, you know, such a 40 00:02:14,080 --> 00:02:15,360 Speaker 4: personal story with us. 41 00:02:15,840 --> 00:02:19,360 Speaker 2: I'm always, honestly so grateful for the stories that the 42 00:02:19,360 --> 00:02:22,000 Speaker 2: money diarists are willing to share with us. So next 43 00:02:22,080 --> 00:02:24,360 Speaker 2: year we are obviously going to be sharing so so 44 00:02:24,520 --> 00:02:27,480 Speaker 2: many more money diaries. So if you've ever thought, oh, 45 00:02:27,480 --> 00:02:29,200 Speaker 2: my gosh, I want to be on it, but I'm 46 00:02:29,240 --> 00:02:32,280 Speaker 2: really nervous. Please don't be. We definitely make sure that 47 00:02:32,360 --> 00:02:34,400 Speaker 2: every piece of information that you give to us is 48 00:02:34,480 --> 00:02:36,960 Speaker 2: de identified and that you are all safe and sound, 49 00:02:37,080 --> 00:02:38,960 Speaker 2: and I would love to think that we are a 50 00:02:39,040 --> 00:02:42,119 Speaker 2: very safe space to share that story and we love 51 00:02:42,160 --> 00:02:44,720 Speaker 2: it like we literally adore having chats with you guys. 52 00:02:44,760 --> 00:02:47,600 Speaker 2: So if you've ever wondered I should be a money diarist, 53 00:02:47,960 --> 00:02:49,920 Speaker 2: now's the time to slide into our DMS as we 54 00:02:49,960 --> 00:02:52,680 Speaker 2: start booking up money diaries for twenty twenty two. 55 00:02:52,880 --> 00:02:54,839 Speaker 4: And when we say slide into our DMS, we mean 56 00:02:55,200 --> 00:02:57,480 Speaker 4: fill out the form on our website because really that's 57 00:02:57,480 --> 00:02:58,000 Speaker 4: what we mean. 58 00:02:58,919 --> 00:03:01,280 Speaker 2: That's what we mean because too many times have we 59 00:03:01,400 --> 00:03:04,800 Speaker 2: lost good money stories in our dms because, as you 60 00:03:04,840 --> 00:03:07,880 Speaker 2: guys can imagine, people reply to our stories and they 61 00:03:07,960 --> 00:03:09,760 Speaker 2: just get oh messy. So if you want to be 62 00:03:09,800 --> 00:03:12,280 Speaker 2: on the show, please jump on the website, feel out 63 00:03:12,280 --> 00:03:13,720 Speaker 2: the form, and we will get back to you. 64 00:03:14,000 --> 00:03:18,080 Speaker 3: George getting back to you though, Hello, my friend. What 65 00:03:18,280 --> 00:03:20,320 Speaker 3: happened on Wednesday on the show? 66 00:03:20,440 --> 00:03:25,079 Speaker 5: Hello? Team? So Wednesday was our final Wednesday Deep Dive 67 00:03:25,120 --> 00:03:26,040 Speaker 5: episode of. 68 00:03:25,919 --> 00:03:29,079 Speaker 3: The year, which was a dream was exciting. 69 00:03:29,160 --> 00:03:32,520 Speaker 5: It was fun that we spoke about how to improve 70 00:03:32,600 --> 00:03:35,480 Speaker 5: our credit scores and also what credit scores are. 71 00:03:35,840 --> 00:03:37,160 Speaker 3: That was very exciting. 72 00:03:37,440 --> 00:03:39,520 Speaker 5: I mean, it doesn't sound that exciting, but it was 73 00:03:39,640 --> 00:03:43,040 Speaker 5: really interesting, and I feel like the main takeaway from 74 00:03:43,120 --> 00:03:47,640 Speaker 5: the episode was that credit scores will. Improving credit scores 75 00:03:47,720 --> 00:03:51,240 Speaker 5: rather takes a really long time. There's no like not 76 00:03:51,320 --> 00:03:54,960 Speaker 5: get rich quick scheme, but there's no get fixed quick, 77 00:03:55,160 --> 00:03:58,280 Speaker 5: get fixed. Yes, well done, well done, that was well said. 78 00:03:58,480 --> 00:04:01,240 Speaker 5: There's a few kind of scamming like companies out there 79 00:04:01,280 --> 00:04:03,200 Speaker 5: that we should all be really mindful of. 80 00:04:03,400 --> 00:04:05,600 Speaker 2: So yeah, and I know that we've done it. If 81 00:04:05,600 --> 00:04:07,320 Speaker 2: you didn't listen to it, I get it if you 82 00:04:07,400 --> 00:04:09,360 Speaker 2: were like, look, Via, I thought you already did an 83 00:04:09,400 --> 00:04:12,040 Speaker 2: episode on this before. But yes, it is different. Content 84 00:04:12,160 --> 00:04:15,360 Speaker 2: can promise you that. But the reason we thought it 85 00:04:15,440 --> 00:04:18,159 Speaker 2: was so important to talk about credit scores again is 86 00:04:18,160 --> 00:04:21,159 Speaker 2: because there's just so much misinformation flying around the Internet 87 00:04:21,279 --> 00:04:24,000 Speaker 2: at this point in time about credit scores, and I'm 88 00:04:24,040 --> 00:04:26,840 Speaker 2: seeing in our communities so many people talk about very 89 00:04:26,880 --> 00:04:30,679 Speaker 2: American ways of approaching credit scores, and I just don't 90 00:04:30,800 --> 00:04:34,400 Speaker 2: want that to be our narrative, like our money system. 91 00:04:34,600 --> 00:04:37,280 Speaker 2: As much as we both function in dollars is not 92 00:04:37,320 --> 00:04:40,280 Speaker 2: the same as the US system, and the same requirements 93 00:04:40,320 --> 00:04:42,320 Speaker 2: that exist to have a good credit score in the 94 00:04:42,440 --> 00:04:45,160 Speaker 2: US are not the requirements to have a good credit 95 00:04:45,160 --> 00:04:47,760 Speaker 2: score in Australia. So I think we really need to 96 00:04:47,800 --> 00:04:51,400 Speaker 2: be privy to what the Australian expectations are so that 97 00:04:51,440 --> 00:04:53,599 Speaker 2: we can do the best thing by us. But summary 98 00:04:53,640 --> 00:04:55,560 Speaker 2: from all of that is you do not need a 99 00:04:55,560 --> 00:04:58,560 Speaker 2: credit card to have a good credit score here in Australia. 100 00:04:58,640 --> 00:05:00,800 Speaker 4: I feel like the really good thing about episode, as 101 00:05:00,800 --> 00:05:04,400 Speaker 4: well as compared to the original Credit Score app, is 102 00:05:04,440 --> 00:05:07,880 Speaker 4: that this one had some really great actionable steps, whereas 103 00:05:07,920 --> 00:05:10,400 Speaker 4: the first EP was more about what is a credit screen? 104 00:05:10,680 --> 00:05:11,680 Speaker 5: Why might you need it? 105 00:05:12,120 --> 00:05:14,520 Speaker 4: So if you're wanting to improve your score, it's a 106 00:05:14,560 --> 00:05:17,200 Speaker 4: question we see all the time on Facebook. 107 00:05:17,560 --> 00:05:18,239 Speaker 5: It's the few. 108 00:05:18,360 --> 00:05:18,560 Speaker 4: Yeah. 109 00:05:18,600 --> 00:05:20,919 Speaker 2: I loved it, but I also love talking about money. 110 00:05:20,960 --> 00:05:23,200 Speaker 2: I love talking about credit scores, I love talking about 111 00:05:23,320 --> 00:05:26,039 Speaker 2: fixing our finances, and it was a pretty good EPP 112 00:05:26,080 --> 00:05:26,760 Speaker 2: in my opinion. 113 00:05:26,800 --> 00:05:28,600 Speaker 3: But I'm going to just call it out here and. 114 00:05:28,560 --> 00:05:30,960 Speaker 2: Say that I'm quite biased and always have been about 115 00:05:31,000 --> 00:05:32,960 Speaker 2: the shees on the Money episode. So I'll let you 116 00:05:32,960 --> 00:05:35,560 Speaker 2: guys make your own decisions, and we will move on 117 00:05:35,880 --> 00:05:39,200 Speaker 2: to arguably my favorite and the most fun part of 118 00:05:39,240 --> 00:05:42,360 Speaker 2: this show, and that is when Georgia tells us her 119 00:05:42,400 --> 00:05:44,960 Speaker 2: favorite money wins and confessions from the She's on the 120 00:05:45,000 --> 00:05:46,720 Speaker 2: Money community from this week. 121 00:05:47,000 --> 00:05:49,880 Speaker 3: Georgia, throw them at us. What have you got this week? 122 00:05:50,000 --> 00:05:53,839 Speaker 5: Ladies? We have some absolute belters coming in your ways, 123 00:05:53,880 --> 00:05:55,919 Speaker 5: So strap yourselves here and it's going to be a good time. 124 00:05:56,240 --> 00:05:58,880 Speaker 3: But yeah, it's wrapped in and ready. Jess, have you 125 00:05:58,960 --> 00:05:59,680 Speaker 3: got your buckle on? 126 00:06:00,120 --> 00:06:01,760 Speaker 5: Buckle and helmet? I'm excited. 127 00:06:01,880 --> 00:06:02,880 Speaker 3: Oh my gosh. 128 00:06:03,080 --> 00:06:06,040 Speaker 5: So our first win is from Samantha Jones. I know 129 00:06:06,080 --> 00:06:08,520 Speaker 5: we don't usually do surnames, but I couldn't help myself 130 00:06:08,640 --> 00:06:09,880 Speaker 5: because of she's. 131 00:06:09,720 --> 00:06:13,040 Speaker 3: From Sex in the City. Well sorry, Sex and the City. 132 00:06:13,040 --> 00:06:13,640 Speaker 3: Who am I? 133 00:06:14,680 --> 00:06:14,880 Speaker 4: So? 134 00:06:15,279 --> 00:06:18,359 Speaker 5: Samantha bought a handbag for fifty dollars a couple of 135 00:06:18,360 --> 00:06:23,160 Speaker 5: months ago. It'sj of her, isn't it? Precisely? And guess 136 00:06:23,160 --> 00:06:23,719 Speaker 5: what happened? 137 00:06:24,279 --> 00:06:25,479 Speaker 2: She found us bucks in it. 138 00:06:25,720 --> 00:06:31,320 Speaker 5: She sold it recently for four hundred dollars. What snaughty girl. Hell, 139 00:06:32,040 --> 00:06:32,800 Speaker 5: I'd love to know. 140 00:06:33,160 --> 00:06:35,680 Speaker 3: I want to see the bag. I'm very excited about this. 141 00:06:36,320 --> 00:06:38,880 Speaker 5: Well done, Samantha what a genius. 142 00:06:38,960 --> 00:06:40,480 Speaker 2: I thought she was going to tell us that cute 143 00:06:40,480 --> 00:06:42,000 Speaker 2: story where you know, you go to the op shop, 144 00:06:42,040 --> 00:06:43,679 Speaker 2: you buy a bag, and then you find the money 145 00:06:43,680 --> 00:06:45,640 Speaker 2: in the bag, Like that would also be a good 146 00:06:45,640 --> 00:06:48,720 Speaker 2: money win. I wonder how many times that happens to people, 147 00:06:48,839 --> 00:06:52,960 Speaker 2: and whether we should start a business purchasing secondhand handbags 148 00:06:52,960 --> 00:06:56,200 Speaker 2: to find the cash inside. And I imagine it would 149 00:06:56,200 --> 00:06:58,760 Speaker 2: be very profitable. Yep, maybe I'll just stick in my 150 00:06:58,800 --> 00:07:00,080 Speaker 2: own financial advice lane. 151 00:07:01,240 --> 00:07:05,200 Speaker 5: Maybe our next win here, guys, is from Riley. So 152 00:07:05,600 --> 00:07:08,120 Speaker 5: sadly she was scammed out of four hundred and ten 153 00:07:08,200 --> 00:07:12,160 Speaker 5: dollars three years ago after making a purchase on Facebook marketplace. 154 00:07:12,240 --> 00:07:14,040 Speaker 5: Maybe she bought the handbag, am I right? 155 00:07:15,680 --> 00:07:17,720 Speaker 3: So the ten was the shipping. 156 00:07:19,080 --> 00:07:22,360 Speaker 5: So she made the purchase on Facebook marketplace and paid 157 00:07:22,440 --> 00:07:25,600 Speaker 5: via a bank transfer, which can be a little risky. 158 00:07:26,200 --> 00:07:29,920 Speaker 5: She contacted her bank, their bank, and the police to 159 00:07:29,920 --> 00:07:32,160 Speaker 5: try and recover the funds, but in the end she 160 00:07:32,240 --> 00:07:36,480 Speaker 5: chopped it up to an expensive but valuable lesson. Fast 161 00:07:36,480 --> 00:07:40,160 Speaker 5: forward to last Thursday, she got an email from her 162 00:07:40,280 --> 00:07:45,280 Speaker 5: bank saying they'd recovered the full amount. Wow, that's your forever. 163 00:07:46,080 --> 00:07:48,080 Speaker 5: It did take a while, but it paid off. In 164 00:07:48,120 --> 00:07:49,840 Speaker 5: the end, she's got the four ten back in her 165 00:07:49,840 --> 00:07:51,400 Speaker 5: account and it's a Christmas miracle. 166 00:07:51,480 --> 00:07:55,200 Speaker 2: She's written, love Squeen, and do you know what Those 167 00:07:55,280 --> 00:07:57,680 Speaker 2: money wins are the sweetest ones because you had written 168 00:07:57,680 --> 00:08:00,160 Speaker 2: that off like you didn't expect that that was to 169 00:08:00,160 --> 00:08:01,960 Speaker 2: be a win. It wasn't like, look, I've been waiting 170 00:08:02,000 --> 00:08:04,400 Speaker 2: ages and I finally got that four hundred bucks. She'd 171 00:08:04,440 --> 00:08:07,120 Speaker 2: written that off, thought it didn't exist, and then them 172 00:08:07,280 --> 00:08:08,960 Speaker 2: it popped back into her life. 173 00:08:09,280 --> 00:08:14,160 Speaker 5: Thank you, Santa Claus Renee is our next win. So 174 00:08:14,200 --> 00:08:17,360 Speaker 5: she received a letter from Vic Rhoades offering her a 175 00:08:17,480 --> 00:08:21,040 Speaker 5: free three year license as she's coming off her peas 176 00:08:21,480 --> 00:08:24,280 Speaker 5: because she hasn't had any fines or lost any points. 177 00:08:24,280 --> 00:08:25,200 Speaker 5: She gets it for free on. 178 00:08:25,280 --> 00:08:27,240 Speaker 3: Relatable content that never happened to me. 179 00:08:28,320 --> 00:08:32,240 Speaker 4: It's also extremely expensive, so that is a huge win. 180 00:08:32,559 --> 00:08:33,480 Speaker 3: That's actually a thing. 181 00:08:33,679 --> 00:08:37,200 Speaker 2: If you don't get any points or you don't get 182 00:08:37,200 --> 00:08:41,040 Speaker 2: any fines or lose anything during your beginning of your 183 00:08:41,320 --> 00:08:43,360 Speaker 2: car driving journey, they. 184 00:08:43,240 --> 00:08:44,120 Speaker 5: Do offer that to you. 185 00:08:44,160 --> 00:08:46,920 Speaker 2: But sadly that was never extended to me because I'm. 186 00:08:46,720 --> 00:08:49,160 Speaker 5: Not responsible enough naughty. 187 00:08:49,559 --> 00:08:52,800 Speaker 2: I don't hear you guys being like, yeah, okay, I 188 00:08:52,880 --> 00:08:55,960 Speaker 2: got that offered to me, Jess George, I would like. 189 00:08:56,000 --> 00:09:00,960 Speaker 5: To please remember. Our next win here is from Anna. 190 00:09:01,120 --> 00:09:03,320 Speaker 5: So she went clothes shopping for the first time in 191 00:09:03,400 --> 00:09:07,520 Speaker 5: over twelve months in Melbourne over the weekend she lives regionally. 192 00:09:08,040 --> 00:09:10,040 Speaker 5: She went from shop to shop, tried on all of 193 00:09:10,080 --> 00:09:12,480 Speaker 5: the clothes and then worked out what she wanted to buy. 194 00:09:13,080 --> 00:09:16,600 Speaker 5: Then she checks for them on shopback, went home, let 195 00:09:16,600 --> 00:09:20,160 Speaker 5: herself think on what she actually wanted, culled out what 196 00:09:20,240 --> 00:09:22,839 Speaker 5: she didn't need, and then purchased it all through shop back. 197 00:09:23,240 --> 00:09:26,040 Speaker 3: You are as she's on the money dream Triald. 198 00:09:26,280 --> 00:09:29,280 Speaker 2: You are the poster child for what we want everybody 199 00:09:29,320 --> 00:09:33,640 Speaker 2: to do in twenty twenty two. Very impressed, Diana. Yeah, 200 00:09:33,679 --> 00:09:36,440 Speaker 2: I don't have that level of self control. If I'm 201 00:09:36,480 --> 00:09:39,079 Speaker 2: going out shopping and I've made the decision to purchase 202 00:09:39,120 --> 00:09:41,880 Speaker 2: something and I've headed out and made the trip, especially 203 00:09:41,920 --> 00:09:44,200 Speaker 2: if I was regional, I don't have the self control 204 00:09:44,240 --> 00:09:45,319 Speaker 2: to then not purchase it. 205 00:09:45,280 --> 00:09:47,199 Speaker 5: In the moment, all the more impressive. 206 00:09:47,400 --> 00:09:49,040 Speaker 2: Nope, Nope, that's why it's so impressive. 207 00:09:49,160 --> 00:09:49,560 Speaker 3: I love her. 208 00:09:49,679 --> 00:09:51,920 Speaker 5: Our next win here is from Crystal. Well, it's not 209 00:09:52,000 --> 00:09:54,280 Speaker 5: a win yet, but she hopes it will be She's 210 00:09:54,360 --> 00:09:57,200 Speaker 5: turned her book addiction into a side hustle and is 211 00:09:57,280 --> 00:09:59,200 Speaker 5: selling her pre loved books online. 212 00:10:00,080 --> 00:10:02,319 Speaker 1: God, she loves that that. 213 00:10:02,280 --> 00:10:04,840 Speaker 2: She's on the money book. Oh U can she got 214 00:10:04,880 --> 00:10:08,439 Speaker 2: a good return on her investment? No? 215 00:10:08,559 --> 00:10:15,400 Speaker 3: Okay, that's fallings, George. What else have you got to 216 00:10:15,520 --> 00:10:17,000 Speaker 3: share with the community this week? 217 00:10:17,080 --> 00:10:21,880 Speaker 5: So our final win slash lost here Ladies comes from Natasha. 218 00:10:22,160 --> 00:10:24,680 Speaker 5: So she decided she did not want to go into 219 00:10:24,679 --> 00:10:26,920 Speaker 5: the new year with any debt, so she dipped into 220 00:10:27,000 --> 00:10:30,320 Speaker 5: her emergency fund to pay off her credit card. Now 221 00:10:30,360 --> 00:10:32,560 Speaker 5: she can focus on building her savings for the new 222 00:10:32,679 --> 00:10:33,400 Speaker 5: year ahead. 223 00:10:33,520 --> 00:10:35,720 Speaker 3: Yes, Kawen, it's a good idea. 224 00:10:35,800 --> 00:10:37,559 Speaker 5: V I wanted to know what you thought, Gina. 225 00:10:37,600 --> 00:10:37,720 Speaker 4: What. 226 00:10:38,000 --> 00:10:40,720 Speaker 2: I don't believe that you have savings if you have debt. 227 00:10:41,080 --> 00:10:44,079 Speaker 2: If you have savings sitting in your account and then 228 00:10:44,120 --> 00:10:46,440 Speaker 2: you also have a debt that you are paying interest on, 229 00:10:46,640 --> 00:10:50,480 Speaker 2: you really need to be prioritizing getting rid of that debt. 230 00:10:50,800 --> 00:10:54,600 Speaker 2: In saying that, I do also verminently believe that you 231 00:10:54,760 --> 00:10:57,440 Speaker 2: need an emergency fund while you're in debt as well. 232 00:10:57,520 --> 00:11:00,920 Speaker 2: So I wouldn't say if you've got an emergency fund that, no, 233 00:11:01,080 --> 00:11:03,680 Speaker 2: we have our base. But if you have additional wiggle 234 00:11:03,760 --> 00:11:06,240 Speaker 2: room and your emergency fund, or you've got some savings 235 00:11:06,240 --> 00:11:09,760 Speaker 2: to get rid of debt. I would absolutely be prioritizing that, 236 00:11:10,000 --> 00:11:12,440 Speaker 2: because the rule is if you have debt, you do 237 00:11:12,559 --> 00:11:14,840 Speaker 2: not have savings, and at the end of the day, 238 00:11:15,120 --> 00:11:19,120 Speaker 2: you're just putting off and actually costing yourself more over 239 00:11:19,160 --> 00:11:21,560 Speaker 2: the long term, because any debt is going to be 240 00:11:21,600 --> 00:11:25,400 Speaker 2: accruing interest and those savings are sitting there not actually 241 00:11:25,440 --> 00:11:27,600 Speaker 2: working for you. So make them work for you. Get 242 00:11:27,679 --> 00:11:28,360 Speaker 2: rid of your debt. 243 00:11:28,720 --> 00:11:30,520 Speaker 3: I completely get it if you like. 244 00:11:30,559 --> 00:11:33,120 Speaker 2: But v I've saved up so hard and that money 245 00:11:33,200 --> 00:11:35,160 Speaker 2: sitting there, and I don't want to pay it off 246 00:11:35,200 --> 00:11:37,760 Speaker 2: because then I'll have nothing. No, No, that's not how 247 00:11:37,800 --> 00:11:40,200 Speaker 2: it works. You are already behind. If that is the 248 00:11:40,200 --> 00:11:43,280 Speaker 2: mindset we are approaching it with, find your clean slate 249 00:11:43,360 --> 00:11:46,040 Speaker 2: if you've got the potential to do that. But again, 250 00:11:46,160 --> 00:11:48,600 Speaker 2: always make sure you do have that emergency fund. I'm 251 00:11:48,640 --> 00:11:51,840 Speaker 2: not saying s vendor emergency funds on getting out of debt, 252 00:11:51,880 --> 00:11:54,480 Speaker 2: because I do think that regardless of where we are, 253 00:11:54,840 --> 00:11:57,839 Speaker 2: we need to always have access to cash to get 254 00:11:57,880 --> 00:12:03,040 Speaker 2: out of any circumstance situation, money related anything, and that's 255 00:12:03,040 --> 00:12:05,400 Speaker 2: where your emergency fund comes into play. 256 00:12:05,040 --> 00:12:08,680 Speaker 5: And Natasha said that she only dipped into her emergency funds, 257 00:12:08,720 --> 00:12:11,160 Speaker 5: she didn't drain it all. So that's a great outcome, 258 00:12:11,320 --> 00:12:11,520 Speaker 5: then you. 259 00:12:11,840 --> 00:12:15,400 Speaker 2: Outcome love that for you and starting the new year 260 00:12:15,840 --> 00:12:17,880 Speaker 2: with no debt, what a better way? 261 00:12:18,040 --> 00:12:18,959 Speaker 3: How exciting? 262 00:12:19,600 --> 00:12:22,480 Speaker 4: Alridy, So I thought that we could have a little chart. 263 00:12:22,520 --> 00:12:25,280 Speaker 4: It's the last episode of the year. The vibes are high, 264 00:12:25,400 --> 00:12:27,480 Speaker 4: we're just kind of reflecting a little bit. And we've 265 00:12:27,520 --> 00:12:30,280 Speaker 4: been doing this as a team anyway, chatting about the 266 00:12:30,360 --> 00:12:33,440 Speaker 4: year that was. It's been a hectic one to say 267 00:12:33,440 --> 00:12:36,880 Speaker 4: the very least. Oh white what Yes, that is her 268 00:12:36,960 --> 00:12:41,520 Speaker 4: garbage fire, But there has been a lot of really fun, 269 00:12:41,760 --> 00:12:44,400 Speaker 4: good things that have come out of our community specifically 270 00:12:44,400 --> 00:12:46,760 Speaker 4: as well. So I thought let's be a little self 271 00:12:46,760 --> 00:12:49,439 Speaker 4: indulge it and take a moment just to celebrate us 272 00:12:49,480 --> 00:12:50,600 Speaker 4: and everything that we've done. 273 00:12:50,760 --> 00:12:53,000 Speaker 3: Oh, you're so cute, and just to. 274 00:12:52,920 --> 00:12:55,240 Speaker 4: Say thank you as well, because we've had an epic 275 00:12:55,320 --> 00:12:59,359 Speaker 4: year and we could not have done it without the community, 276 00:12:59,400 --> 00:13:02,000 Speaker 4: without the peace listening, the reason we get to do 277 00:13:02,240 --> 00:13:05,000 Speaker 4: what we do and help people and share their stories 278 00:13:05,040 --> 00:13:08,240 Speaker 4: and touch all of these lives. Am I being incredibly 279 00:13:08,320 --> 00:13:10,040 Speaker 4: dramatic right now, I am I'm sorry, No. 280 00:13:10,160 --> 00:13:10,520 Speaker 6: You're not. 281 00:13:10,679 --> 00:13:13,680 Speaker 2: We get to do what we love every day because 282 00:13:13,720 --> 00:13:17,480 Speaker 2: you guys exist, and that is so special and so lucky. 283 00:13:17,559 --> 00:13:20,160 Speaker 2: And I don't think that we even comprehend the gravity 284 00:13:20,160 --> 00:13:22,480 Speaker 2: of that situation until we get to sit down and 285 00:13:22,480 --> 00:13:25,040 Speaker 2: be like, how cool is that? Like we've done some 286 00:13:25,080 --> 00:13:28,080 Speaker 2: really epic things. And I mean, Jess, you've officially been 287 00:13:28,120 --> 00:13:30,679 Speaker 2: with us more than a year. You joined last December, 288 00:13:30,760 --> 00:13:35,240 Speaker 2: which is so so exciting. So happy anniversary, babe, thank you. 289 00:13:35,760 --> 00:13:37,440 Speaker 5: Happy to be So that was a. 290 00:13:37,320 --> 00:13:42,240 Speaker 2: Great acquisition to the community. We have moved offices, which was. 291 00:13:42,280 --> 00:13:43,520 Speaker 3: Also really fun. 292 00:13:43,640 --> 00:13:46,360 Speaker 2: We grew and we got a bigger office and then 293 00:13:46,720 --> 00:13:49,560 Speaker 2: we promptly had to go straight back home and work 294 00:13:49,600 --> 00:13:51,920 Speaker 2: from home, which is fine, but we can tell everybody 295 00:13:51,960 --> 00:13:53,920 Speaker 2: else that we've got Q office space. 296 00:13:54,320 --> 00:13:57,560 Speaker 3: What else have we done? G We have done three 297 00:13:57,600 --> 00:13:59,160 Speaker 3: episodes a week. 298 00:13:59,240 --> 00:14:02,680 Speaker 5: And and there's been no weeks off, so three times 299 00:14:02,679 --> 00:14:07,199 Speaker 5: fifty two. That's one hundred and fifty plus some more episodes. 300 00:14:07,640 --> 00:14:09,679 Speaker 5: We have a lot of episodes. Wow. 301 00:14:09,720 --> 00:14:13,440 Speaker 2: We have pumped out the content and I'm just so 302 00:14:13,520 --> 00:14:16,040 Speaker 2: proud of our team for doing that because it's one 303 00:14:16,040 --> 00:14:19,280 Speaker 2: of those things that I remember last year sitting down 304 00:14:19,320 --> 00:14:21,800 Speaker 2: it was December and we're talking about what could we 305 00:14:21,880 --> 00:14:24,960 Speaker 2: do to enhance the She's on the Money community, enhance 306 00:14:25,040 --> 00:14:27,760 Speaker 2: the podcast, like how do we make it better? We 307 00:14:27,880 --> 00:14:30,600 Speaker 2: love money diries, we love the deep dives, we love 308 00:14:30,640 --> 00:14:33,080 Speaker 2: our banter, and that's how we've broken them into those 309 00:14:33,120 --> 00:14:36,880 Speaker 2: three episodes. And so breaking it into the three episodes 310 00:14:36,920 --> 00:14:40,560 Speaker 2: felt incredibly overwhelming. And the fact that She's on the 311 00:14:40,560 --> 00:14:43,640 Speaker 2: Money Team has not only done those three episodes each 312 00:14:43,640 --> 00:14:46,160 Speaker 2: and every single week, but we've also brought to the 313 00:14:46,200 --> 00:14:48,800 Speaker 2: table two brand new shows. We've got The Property Playbook 314 00:14:48,800 --> 00:14:52,360 Speaker 2: and The Business Bible during that time. At one stage 315 00:14:52,400 --> 00:14:56,040 Speaker 2: this year, we were doing an episode a day, every 316 00:14:56,200 --> 00:14:59,400 Speaker 2: single day of every single week for a few months there. 317 00:14:59,560 --> 00:15:02,760 Speaker 2: So Jess, George, the She's on the Money Team, you 318 00:15:02,880 --> 00:15:06,960 Speaker 2: guys have been absolutely Stella like, could not be more 319 00:15:07,000 --> 00:15:09,640 Speaker 2: proud to call you my little She's on the Money fam. 320 00:15:10,120 --> 00:15:10,360 Speaker 6: Ah. 321 00:15:12,280 --> 00:15:15,160 Speaker 4: I mean in other news, not to take a complete segue, 322 00:15:15,480 --> 00:15:17,680 Speaker 4: but I mean, I don't even know if we're going 323 00:15:17,760 --> 00:15:19,200 Speaker 4: chronologically at this point, but. 324 00:15:19,840 --> 00:15:21,320 Speaker 5: Are we going to talk about the book? 325 00:15:21,760 --> 00:15:25,840 Speaker 2: Oh? Yes, we finally got the She's on the Money 326 00:15:25,840 --> 00:15:28,200 Speaker 2: Book published and We've been talking about it. 327 00:15:28,160 --> 00:15:31,520 Speaker 5: For years, since before I went Yeah. 328 00:15:30,640 --> 00:15:34,160 Speaker 2: Since before you worked here, I have been writing this book. 329 00:15:34,200 --> 00:15:36,920 Speaker 2: It took a good two years to get off the ground, 330 00:15:37,080 --> 00:15:39,240 Speaker 2: because it turns out writing a book is actually a 331 00:15:39,240 --> 00:15:43,920 Speaker 2: lot bigger of a project than I had anticipated. And honestly, 332 00:15:44,000 --> 00:15:46,520 Speaker 2: getting that first book in the mail was one of 333 00:15:46,560 --> 00:15:50,240 Speaker 2: the best days of my entire life. Jess I remember 334 00:15:50,440 --> 00:15:52,640 Speaker 2: followed me down the hall when we were told that 335 00:15:52,720 --> 00:15:54,960 Speaker 2: it had been delivered and I was just crying and 336 00:15:55,000 --> 00:15:56,200 Speaker 2: I was so excited. 337 00:15:56,280 --> 00:15:59,960 Speaker 3: But we got that book done, We got it published. 338 00:16:00,120 --> 00:16:04,280 Speaker 2: My Penguin roundom House family have been nothing but supportive 339 00:16:04,360 --> 00:16:07,880 Speaker 2: layer honestly, such an incredible publisher to have gone through. 340 00:16:08,240 --> 00:16:10,200 Speaker 2: But not only do we get that book up and running, 341 00:16:10,200 --> 00:16:12,640 Speaker 2: we became a best selling book in the country. Like 342 00:16:12,680 --> 00:16:14,960 Speaker 2: we were number one in Dimmicks, We were number one 343 00:16:14,960 --> 00:16:18,000 Speaker 2: on book Topia, we were number one on book Depository, 344 00:16:18,120 --> 00:16:21,480 Speaker 2: Like what who would have even seen that coming. But 345 00:16:21,600 --> 00:16:24,160 Speaker 2: that's not because of me, that's not because of the content, 346 00:16:24,240 --> 00:16:26,480 Speaker 2: And sadly it's not because of Jess or George. It's 347 00:16:26,520 --> 00:16:28,720 Speaker 2: actually because of the She's on the money community and 348 00:16:28,760 --> 00:16:31,680 Speaker 2: the support that you guys showed us through that period 349 00:16:31,760 --> 00:16:34,240 Speaker 2: of time when we launched it, you guys, were incredible, 350 00:16:34,440 --> 00:16:37,880 Speaker 2: But then also you continue to purchase it, and you know, 351 00:16:38,000 --> 00:16:40,920 Speaker 2: even through this festive period, we've seen so many people 352 00:16:41,240 --> 00:16:43,800 Speaker 2: purchasing it for their friends and their family, and oh, 353 00:16:43,840 --> 00:16:46,760 Speaker 2: my gosh, my heart like knowing that that book is 354 00:16:46,800 --> 00:16:49,040 Speaker 2: out there and the impact that it is having on 355 00:16:49,080 --> 00:16:52,680 Speaker 2: people's lives literally is the coolest thing ever. 356 00:16:53,000 --> 00:16:55,800 Speaker 4: I don't know if I can do this, but unofficially, 357 00:16:55,880 --> 00:17:01,320 Speaker 4: off the record, another book on the way. 358 00:17:01,680 --> 00:17:05,160 Speaker 2: Look, there could possibly be another book on the way. 359 00:17:05,560 --> 00:17:08,240 Speaker 2: And for those of you who've been following my social 360 00:17:08,280 --> 00:17:10,720 Speaker 2: media and going Victoria, are you ever going to stop working? 361 00:17:10,960 --> 00:17:14,159 Speaker 2: The answer is no, because I'm actually in the middle 362 00:17:14,240 --> 00:17:18,600 Speaker 2: of writing my second book, and the manuscript, guys, is 363 00:17:18,680 --> 00:17:22,520 Speaker 2: due in March, So that book is apparently who knows, 364 00:17:22,560 --> 00:17:26,080 Speaker 2: because timeframes can sometimes get pushed out. But you might 365 00:17:26,200 --> 00:17:29,200 Speaker 2: find another She's on the money book on the shelves 366 00:17:29,240 --> 00:17:33,240 Speaker 2: by September twenty twenty two, which is, Oh my gosh, 367 00:17:33,280 --> 00:17:36,200 Speaker 2: my wildest dreams are literally coming true. 368 00:17:36,400 --> 00:17:38,960 Speaker 5: Can you give us any indication beer, is it too 369 00:17:39,200 --> 00:17:42,000 Speaker 5: early to tell us a little bit about what made you? Now? 370 00:17:42,040 --> 00:17:43,800 Speaker 2: I can tell you, Oh, you can tell you. Are 371 00:17:43,840 --> 00:17:46,480 Speaker 2: you ready to sit down? It's my favorite topic, guys. 372 00:17:46,560 --> 00:17:49,480 Speaker 2: She's on the Money was written because I wanted to 373 00:17:49,520 --> 00:17:53,040 Speaker 2: give you a solid foundational understanding of your money story, 374 00:17:53,119 --> 00:17:56,200 Speaker 2: and of budgeting and cash flow, and of what investment 375 00:17:56,359 --> 00:17:59,120 Speaker 2: is and what insurance is, and what you need when 376 00:17:59,160 --> 00:18:02,719 Speaker 2: it comes to protecting yourself, and how to plan for things, 377 00:18:02,800 --> 00:18:05,240 Speaker 2: and how to actually manage money in a way that's 378 00:18:05,280 --> 00:18:08,359 Speaker 2: responsible but really reflects your lifestyle and doesn't make you 379 00:18:08,400 --> 00:18:11,680 Speaker 2: compromise everything or sacrifice the life that you want to have, 380 00:18:12,040 --> 00:18:15,760 Speaker 2: and that is so important to have as those foundational 381 00:18:15,840 --> 00:18:20,080 Speaker 2: blocks before you begin investing. So the She's on the 382 00:18:20,119 --> 00:18:23,000 Speaker 2: Money second book doesn't have a name yet because I'm 383 00:18:23,080 --> 00:18:25,920 Speaker 2: not sassy or puney in any way, shape or form. 384 00:18:26,080 --> 00:18:28,359 Speaker 2: So I've thrown it back to my publishers at Penguin 385 00:18:28,400 --> 00:18:29,960 Speaker 2: and said, can you guys have a little bit of 386 00:18:30,000 --> 00:18:32,879 Speaker 2: a brainstorm around what this book could potentially be called. 387 00:18:33,359 --> 00:18:36,080 Speaker 2: But the book is going to be on the eights 388 00:18:36,400 --> 00:18:38,760 Speaker 2: of investing so that you guys can take it to 389 00:18:38,800 --> 00:18:44,040 Speaker 2: the next level and really understand investing to the degree 390 00:18:44,080 --> 00:18:47,040 Speaker 2: that you guys are demanding at the moment. So obviously, 391 00:18:47,040 --> 00:18:48,800 Speaker 2: and She's on the money. We covered it. There was 392 00:18:48,840 --> 00:18:52,000 Speaker 2: a chapter on investing, and it introduced you to everything 393 00:18:52,040 --> 00:18:54,480 Speaker 2: that I needed you to know as a foundational level, 394 00:18:54,680 --> 00:18:57,560 Speaker 2: but this will be taking those foundations to the next 395 00:18:57,640 --> 00:19:01,520 Speaker 2: level to really understand what long term strategy is going 396 00:19:01,560 --> 00:19:04,280 Speaker 2: to look like and how that works, and what that means, 397 00:19:04,280 --> 00:19:07,399 Speaker 2: and what different products look like and how they work. 398 00:19:07,440 --> 00:19:10,600 Speaker 2: And I'm just really excited while I'm pulling this together 399 00:19:10,680 --> 00:19:14,600 Speaker 2: because this book is not just me talking about investment. 400 00:19:14,720 --> 00:19:17,399 Speaker 2: It's literally the thing that I do every day with 401 00:19:17,480 --> 00:19:19,359 Speaker 2: my clients. And I'm just like, oh, my gosh, and 402 00:19:19,400 --> 00:19:21,399 Speaker 2: we could talk about this and we really need to 403 00:19:21,440 --> 00:19:23,160 Speaker 2: talk about that, and oh, I wouldn't want to miss 404 00:19:23,200 --> 00:19:25,800 Speaker 2: out on this. So it's been an absolute joy to 405 00:19:25,840 --> 00:19:28,440 Speaker 2: be pulling together and doing the research for And that's 406 00:19:28,520 --> 00:19:31,400 Speaker 2: just it gets me so excited, and I cannot believe 407 00:19:31,480 --> 00:19:32,800 Speaker 2: that this is my job, Like. 408 00:19:32,760 --> 00:19:35,000 Speaker 3: What crazy crazy. 409 00:19:35,359 --> 00:19:38,480 Speaker 5: The other little little thing that happened this year, V 410 00:19:39,080 --> 00:19:43,600 Speaker 5: was that you were listed in Forbes's thirty Under thirty 411 00:19:43,720 --> 00:19:47,240 Speaker 5: just before you turned thirty. You just smacking their doll by. 412 00:19:47,119 --> 00:19:48,560 Speaker 3: The skin of my teeth. 413 00:19:48,720 --> 00:19:52,120 Speaker 2: Guys, I didn't even know I was gonna slide in there. 414 00:19:52,200 --> 00:19:57,000 Speaker 2: That was an absolute shock, how strange, what a fackage. 415 00:19:57,400 --> 00:20:01,960 Speaker 4: Forbes baby, Oh my gosh, incredible from me because I'm 416 00:20:02,040 --> 00:20:07,840 Speaker 4: the little content Colleen. We hit two hundred thousand members 417 00:20:07,840 --> 00:20:12,439 Speaker 4: in our Facebook group. My little brain can't even begin 418 00:20:12,880 --> 00:20:15,360 Speaker 4: to comprehend what that number looks like. 419 00:20:15,600 --> 00:20:19,040 Speaker 6: That's so many people, like that is so many people 420 00:20:19,040 --> 00:20:22,760 Speaker 6: who are excited about creating financial freedom and talking about money, 421 00:20:22,880 --> 00:20:26,400 Speaker 6: and oh my god, Like I cannot begin to tell 422 00:20:26,440 --> 00:20:28,399 Speaker 6: you how exciting that is. 423 00:20:28,720 --> 00:20:31,240 Speaker 2: Like I remember, and you guys have probably heard this 424 00:20:31,320 --> 00:20:33,600 Speaker 2: story if you've listened to a few of our podcasts, 425 00:20:33,600 --> 00:20:37,040 Speaker 2: but that She's on the Money podcast was born after 426 00:20:37,080 --> 00:20:40,520 Speaker 2: the Facebook group existed. So the Facebook group existed because 427 00:20:40,560 --> 00:20:42,919 Speaker 2: I used to run these workshops called She's on the 428 00:20:42,920 --> 00:20:47,439 Speaker 2: Money to empower people to understand finances and understand super 429 00:20:47,600 --> 00:20:50,200 Speaker 2: and investment and insurance. And I used to run these 430 00:20:50,240 --> 00:20:53,280 Speaker 2: workshops so that we could empower people. And I wanted 431 00:20:53,320 --> 00:20:56,919 Speaker 2: to take that conversation further and have more open, honest 432 00:20:57,040 --> 00:20:59,159 Speaker 2: chats about things. I was like, you know what I'll do, 433 00:20:59,400 --> 00:21:01,919 Speaker 2: I'll start a Facebook group. And at the time, I 434 00:21:02,000 --> 00:21:05,959 Speaker 2: felt like I was the lamest person in the entire world. 435 00:21:05,960 --> 00:21:08,320 Speaker 2: Like I remember being like to my sister, Hey, I 436 00:21:08,440 --> 00:21:11,119 Speaker 2: just posted something in my Facebook group with four friends. 437 00:21:11,359 --> 00:21:12,080 Speaker 3: Can you like it? 438 00:21:12,520 --> 00:21:14,159 Speaker 2: My sister would like it, and I would ask my 439 00:21:14,200 --> 00:21:16,600 Speaker 2: girlfriends to do the same. I'd be like, oh, hey, 440 00:21:16,680 --> 00:21:18,760 Speaker 2: I feeling a bit nervous, but I just posted this 441 00:21:18,840 --> 00:21:20,439 Speaker 2: tip in She's on the Money. And they'd be like, 442 00:21:20,520 --> 00:21:21,840 Speaker 2: what's that And I'd be like, Oh, it's like this 443 00:21:21,920 --> 00:21:24,800 Speaker 2: Facebook group that I've started, and they'd be like, oh cool, V, 444 00:21:25,200 --> 00:21:28,919 Speaker 2: Like what are you doing? And that slowly grew, and 445 00:21:29,000 --> 00:21:31,960 Speaker 2: I remember it grew by me adding friends and family 446 00:21:32,000 --> 00:21:34,520 Speaker 2: and people that went to my workshops, and it was 447 00:21:34,640 --> 00:21:37,520 Speaker 2: very exciting. And then people started joining and I'd be like, 448 00:21:37,560 --> 00:21:39,639 Speaker 2: I don't know you, and then I'd get a message 449 00:21:39,680 --> 00:21:42,200 Speaker 2: from someone being like, oh, hey, V, I know this 450 00:21:42,240 --> 00:21:44,240 Speaker 2: is really strange. I went to one of your workshops. 451 00:21:44,400 --> 00:21:46,440 Speaker 2: But I think my sister would love your Facebook group. 452 00:21:46,440 --> 00:21:47,159 Speaker 2: Can I add her? 453 00:21:47,200 --> 00:21:49,199 Speaker 3: And be like, oh yeah. The more the merrier. 454 00:21:49,320 --> 00:21:51,879 Speaker 2: And I remember when it tipped over a thousand people, 455 00:21:51,880 --> 00:21:54,240 Speaker 2: and I thought that was the most people that I'd 456 00:21:54,520 --> 00:21:57,159 Speaker 2: ever I could fathom in the entire world. I was like, 457 00:21:57,440 --> 00:21:59,720 Speaker 2: how do all these people? How have they found it 458 00:21:59,760 --> 00:22:02,200 Speaker 2: to my Facebook group? And Jess for you to then. 459 00:22:02,200 --> 00:22:05,000 Speaker 3: Be like, hey, like three years later we're at. 460 00:22:05,000 --> 00:22:08,560 Speaker 2: Two hundred thousand. I'm like what, Like, where have you 461 00:22:08,640 --> 00:22:12,000 Speaker 2: all come from? And how are you so excited about this? 462 00:22:12,080 --> 00:22:14,760 Speaker 2: Because I felt so lame when I started. She's on 463 00:22:14,800 --> 00:22:17,480 Speaker 2: the money. But now it's like a thing. Now it's 464 00:22:17,480 --> 00:22:20,440 Speaker 2: a book, it's a podcast, it's a whole community. 465 00:22:20,840 --> 00:22:24,679 Speaker 4: What absolutely wild To put that into some perspective for 466 00:22:24,720 --> 00:22:28,040 Speaker 4: all my fellow visual people out there, that is over 467 00:22:28,119 --> 00:22:30,960 Speaker 4: double the capacity of the MCG. So we have two 468 00:22:31,160 --> 00:22:36,159 Speaker 4: MPGs worth of humans sharing their tips and tricks who all. 469 00:22:35,920 --> 00:22:40,400 Speaker 3: Want to be financially free. Can you imagine? 470 00:22:40,440 --> 00:22:42,959 Speaker 4: It's next level. We also ticked over one hundred k 471 00:22:43,040 --> 00:22:45,400 Speaker 4: on Instagram. We got to work with some of our 472 00:22:45,560 --> 00:22:49,119 Speaker 4: favorite brands. We got to give away so many fantastic things, 473 00:22:49,440 --> 00:22:52,240 Speaker 4: and we're hoping that that's going to be bigger and better. 474 00:22:52,680 --> 00:22:54,520 Speaker 4: We're going to get someone a Dison air up. It's 475 00:22:54,560 --> 00:22:56,320 Speaker 4: my personal mission to get. 476 00:22:56,280 --> 00:22:59,520 Speaker 3: Someone an air two Dyson. 477 00:22:59,600 --> 00:23:01,920 Speaker 2: If you are listening, Jess would like to work more 478 00:23:01,960 --> 00:23:05,240 Speaker 2: closely with you, and we would really like a Dicon 479 00:23:05,359 --> 00:23:07,400 Speaker 2: air rap to give away to our community. 480 00:23:07,600 --> 00:23:12,359 Speaker 5: One thousand percent. Okay, So that's everything that has happened, ladies, 481 00:23:12,359 --> 00:23:15,199 Speaker 5: But what's what's ahead in twenty twenty two? What's on 482 00:23:15,280 --> 00:23:16,480 Speaker 5: the agenda with shoes on? 483 00:23:16,680 --> 00:23:19,960 Speaker 2: I mean a lot also happened, like every single week. 484 00:23:20,119 --> 00:23:23,120 Speaker 2: Just to like go back to what happened every single week, guys, 485 00:23:23,240 --> 00:23:25,920 Speaker 2: Jess has been posting in the community about the money 486 00:23:25,960 --> 00:23:28,280 Speaker 2: wins and confessions people have been happening, and the amount 487 00:23:28,280 --> 00:23:30,359 Speaker 2: of times I've seen people say I got out of 488 00:23:30,359 --> 00:23:32,760 Speaker 2: debt this year, I have changed my money story. I 489 00:23:32,800 --> 00:23:35,199 Speaker 2: got out of an abusive relationship. I am finally on 490 00:23:35,240 --> 00:23:38,080 Speaker 2: top of my credit card. I finally have an emergency fund. 491 00:23:38,160 --> 00:23:41,000 Speaker 2: Oh my gosh, I could pay vet bills without being stressed. 492 00:23:41,240 --> 00:23:43,520 Speaker 2: I didn't have to worry about having money for groceries 493 00:23:43,560 --> 00:23:47,439 Speaker 2: this week. Like, guys, I cannot tell you how proud 494 00:23:47,480 --> 00:23:50,879 Speaker 2: I am of every single person's personal journey over the 495 00:23:50,960 --> 00:23:54,239 Speaker 2: last twelve months in the She's on the Money community, Like, 496 00:23:54,359 --> 00:23:57,320 Speaker 2: it is not only cool that you guys have done 497 00:23:57,359 --> 00:24:00,639 Speaker 2: that for yourselves, but you've shared it with us and 498 00:24:00,800 --> 00:24:04,560 Speaker 2: known how important it is to us that that is vocalized. 499 00:24:04,760 --> 00:24:08,199 Speaker 2: Because for every money win that is shared, I guarantee 500 00:24:08,280 --> 00:24:11,320 Speaker 2: you there's ten that haven't been because people don't always 501 00:24:11,320 --> 00:24:13,720 Speaker 2: want to, you know, talk about money on the internet. 502 00:24:13,760 --> 00:24:16,760 Speaker 2: But every single time you do that, you're giving permission 503 00:24:16,800 --> 00:24:20,159 Speaker 2: to somebody else to talk about money more openly. And 504 00:24:20,480 --> 00:24:22,320 Speaker 2: how cool is it that we are now at a 505 00:24:22,359 --> 00:24:26,119 Speaker 2: stage where every single week it has gone from me 506 00:24:26,359 --> 00:24:29,440 Speaker 2: having what I thought was a lame Facebook group where 507 00:24:29,480 --> 00:24:31,960 Speaker 2: I used to ask my sister to like and comment 508 00:24:32,000 --> 00:24:35,200 Speaker 2: on my posts, to just having to turn comments off 509 00:24:35,240 --> 00:24:38,760 Speaker 2: on old threads because there are literally thousands of comments 510 00:24:38,760 --> 00:24:42,000 Speaker 2: of people sharing their money wins and sharing their confessions. 511 00:24:42,119 --> 00:24:45,240 Speaker 2: And every single week just posts a new thread and says, right, guys, 512 00:24:45,520 --> 00:24:46,880 Speaker 2: what are your wins this week? 513 00:24:46,920 --> 00:24:47,760 Speaker 3: And we get to. 514 00:24:47,760 --> 00:24:50,440 Speaker 2: Learn from them, we get to celebrate them and share them. 515 00:24:50,480 --> 00:24:53,280 Speaker 2: And I cannot begin to tell you how special that is. 516 00:24:53,280 --> 00:24:55,200 Speaker 2: And I promise you it will not go anywhere. It 517 00:24:55,240 --> 00:24:59,240 Speaker 2: will happen again all next year. But George, your question, 518 00:24:59,720 --> 00:25:00,840 Speaker 2: what's coming next year? 519 00:25:00,920 --> 00:25:02,160 Speaker 5: What if we got in store? 520 00:25:02,359 --> 00:25:04,800 Speaker 2: Look, we won't be getting rid of any of the episodes. 521 00:25:04,840 --> 00:25:07,119 Speaker 2: We will still be here with our bells on. But 522 00:25:07,200 --> 00:25:10,040 Speaker 2: the beautiful thing about twenty twenty two is that we 523 00:25:10,080 --> 00:25:11,920 Speaker 2: are going to have a bit more freedom. We're going 524 00:25:11,960 --> 00:25:15,240 Speaker 2: to be able to travel g not personally but she's 525 00:25:15,280 --> 00:25:17,080 Speaker 2: on the money. He's going to be able to travel 526 00:25:17,280 --> 00:25:19,159 Speaker 2: touch we will be able to do yet look not 527 00:25:19,280 --> 00:25:21,920 Speaker 2: Colm would, but we're going to be able to do events. 528 00:25:22,080 --> 00:25:24,399 Speaker 2: We're going to be able to do a tour. We 529 00:25:24,440 --> 00:25:26,960 Speaker 2: are going to be able to meet you guys, which 530 00:25:27,280 --> 00:25:30,600 Speaker 2: for me has been one of the hardest parts of growing. 531 00:25:30,640 --> 00:25:33,919 Speaker 2: She's on the money. You know, Jess was celebrating before 532 00:25:33,960 --> 00:25:36,040 Speaker 2: we launched the book, and I'm so proud of that, 533 00:25:36,119 --> 00:25:39,040 Speaker 2: but one of the most heartbreaking parts of that was 534 00:25:39,080 --> 00:25:41,080 Speaker 2: I wanted to share that with the community. I wanted 535 00:25:41,080 --> 00:25:43,639 Speaker 2: to meet you guys. I wanted to hug people and 536 00:25:43,880 --> 00:25:47,440 Speaker 2: you know, share that in person. But unfortunately, because twenty 537 00:25:47,480 --> 00:25:50,480 Speaker 2: twenty one was the year that was, that wasn't an option. 538 00:25:50,960 --> 00:25:54,080 Speaker 2: So our priority next year is getting out and sharing 539 00:25:54,119 --> 00:25:57,280 Speaker 2: content with you and doing events. And I'm pretty sure 540 00:25:57,320 --> 00:25:59,920 Speaker 2: the first event will do next year is for International 541 00:26:00,080 --> 00:26:02,520 Speaker 2: Women's Day, So keep your eyes pelled because we will 542 00:26:02,520 --> 00:26:06,280 Speaker 2: be doing that in a couple of locations, not just Melbourne. 543 00:26:06,560 --> 00:26:09,600 Speaker 5: That's in March, isn't it or May? It is in March. 544 00:26:09,760 --> 00:26:12,480 Speaker 2: It is in March, and those are coming and we 545 00:26:12,560 --> 00:26:15,320 Speaker 2: are already in the background pulling that together. So keep 546 00:26:15,359 --> 00:26:19,119 Speaker 2: your eyes peeled because unfortunately we will have limited tickets, 547 00:26:19,400 --> 00:26:22,480 Speaker 2: So if you're interested in that, definitely be on our 548 00:26:22,560 --> 00:26:25,800 Speaker 2: eedm and sign up to our newsletter on our website 549 00:26:25,960 --> 00:26:28,399 Speaker 2: to make sure that you are in the know, because 550 00:26:28,440 --> 00:26:30,960 Speaker 2: that is who we will tell first our email list 551 00:26:31,080 --> 00:26:33,240 Speaker 2: and our Facebook group, and then we'll launch it to 552 00:26:33,240 --> 00:26:35,239 Speaker 2: the public. So if you're interested in coming to that, 553 00:26:35,600 --> 00:26:39,120 Speaker 2: please make sure you are keeping your eyes pelled and 554 00:26:39,359 --> 00:26:41,239 Speaker 2: checking out what we're up to because that will be 555 00:26:41,560 --> 00:26:45,879 Speaker 2: announced early next year. Exciting stuff, I know, right, like 556 00:26:46,000 --> 00:26:47,920 Speaker 2: imagine real live events. 557 00:26:48,480 --> 00:26:51,280 Speaker 4: Before we wrap this episode, the last one of the year, 558 00:26:51,880 --> 00:26:53,159 Speaker 4: normally we put a listener. 559 00:26:52,960 --> 00:26:56,200 Speaker 5: Question here, but I've been thinking. 560 00:26:55,760 --> 00:26:58,520 Speaker 4: To myself and I actually have a little question that 561 00:26:58,600 --> 00:27:00,960 Speaker 4: I would like to ask. I can pretend to be 562 00:27:01,000 --> 00:27:02,639 Speaker 4: a listener if you would like me to. 563 00:27:02,880 --> 00:27:04,919 Speaker 2: I do know that when you come into the office 564 00:27:04,920 --> 00:27:07,080 Speaker 2: in the mornings, just sometimes you do put your phone 565 00:27:07,119 --> 00:27:09,040 Speaker 2: down and she's on the money is on your phone. 566 00:27:09,040 --> 00:27:12,320 Speaker 2: I'm like, geez, Louise, are you not sick of our voices? 567 00:27:12,520 --> 00:27:14,199 Speaker 2: Like you get them twenty four to seven in the 568 00:27:14,200 --> 00:27:16,240 Speaker 2: office and then you listen to the episodes as well. 569 00:27:16,320 --> 00:27:18,480 Speaker 3: Who are you? So technically you are a listener, it 570 00:27:18,520 --> 00:27:19,879 Speaker 3: could be a listener question. 571 00:27:19,800 --> 00:27:20,760 Speaker 5: One thousand percent. 572 00:27:21,000 --> 00:27:24,800 Speaker 4: So with the silly season being here, I've been thinking 573 00:27:24,800 --> 00:27:28,399 Speaker 4: a lot about clothes, the whole having a dress or 574 00:27:28,440 --> 00:27:32,200 Speaker 4: an outfit for an event that you then perhaps don't 575 00:27:32,200 --> 00:27:34,159 Speaker 4: want to wear for a while and it sits in 576 00:27:34,160 --> 00:27:37,159 Speaker 4: your closet while you wait for some time to re 577 00:27:37,280 --> 00:27:40,800 Speaker 4: wear it at a later occasion with different people. How 578 00:27:40,840 --> 00:27:44,800 Speaker 4: do we feel about renting out your dresses? Because I've 579 00:27:44,800 --> 00:27:47,520 Speaker 4: seen people doing it on deepop and Instagram. I know 580 00:27:47,560 --> 00:27:50,679 Speaker 4: there's some websites out there, and maybe this is something 581 00:27:50,680 --> 00:27:52,600 Speaker 4: that the community can chime in on if any of 582 00:27:52,600 --> 00:27:55,120 Speaker 4: them do it. But I just have some beautiful dresses 583 00:27:55,400 --> 00:27:58,120 Speaker 4: that maybe cost me a little bit of money if 584 00:27:58,119 --> 00:28:01,640 Speaker 4: we're being honest, that I would love to see doing something. 585 00:28:02,119 --> 00:28:05,600 Speaker 4: But then I got thinking, oh, the tax implications, and 586 00:28:06,359 --> 00:28:10,080 Speaker 4: I mean the sending and the posting and the is 587 00:28:10,119 --> 00:28:13,199 Speaker 4: it even worth it? So I wanted to see the 588 00:28:13,440 --> 00:28:14,919 Speaker 4: have you ever thought about it? Have you heard of 589 00:28:14,960 --> 00:28:16,320 Speaker 4: anyone doing it? 590 00:28:16,560 --> 00:28:18,160 Speaker 3: I had lots of people doing it. 591 00:28:19,119 --> 00:28:23,840 Speaker 2: I have pondered the idea historically, But at the same time, 592 00:28:24,200 --> 00:28:28,520 Speaker 2: I think the administration would actually be a lot of time, energy, 593 00:28:28,600 --> 00:28:32,080 Speaker 2: and effort and unfortunately, I don't know. Maybe this isn't 594 00:28:32,119 --> 00:28:35,760 Speaker 2: the truth, but from my opinion, I don't think it's 595 00:28:35,800 --> 00:28:38,480 Speaker 2: like lending address to a girlfriend, Like I know that 596 00:28:38,560 --> 00:28:41,800 Speaker 2: if I lent you address, Jess, it would come back 597 00:28:41,840 --> 00:28:44,520 Speaker 2: in the same or better condition, like you're not going 598 00:28:44,560 --> 00:28:47,280 Speaker 2: to not look after my things, Whereas I don't think 599 00:28:47,320 --> 00:28:50,600 Speaker 2: that that is true for people who just hire addresses 600 00:28:50,640 --> 00:28:52,480 Speaker 2: and you don't know them, like who knows how they're 601 00:28:52,480 --> 00:28:53,920 Speaker 2: going to treat them or if they're going to wear 602 00:28:53,960 --> 00:28:56,760 Speaker 2: it to their UNI ball and it's going to come 603 00:28:56,800 --> 00:28:59,920 Speaker 2: back with questionable things all over the dress and you go, 604 00:29:00,040 --> 00:29:02,440 Speaker 2: I have to dry clean it. I just I don't 605 00:29:02,480 --> 00:29:04,640 Speaker 2: know if I have time to facilitate that. I mean, 606 00:29:04,920 --> 00:29:07,200 Speaker 2: my friends and my family know that my wardrobe is 607 00:29:07,240 --> 00:29:10,080 Speaker 2: completely open for borrowing and sharing, and I. 608 00:29:10,000 --> 00:29:10,680 Speaker 3: Really love that. 609 00:29:11,280 --> 00:29:13,239 Speaker 2: But I don't know if I'd ever do it on 610 00:29:13,280 --> 00:29:15,600 Speaker 2: the internet. But it could be a good little side hustle. 611 00:29:15,800 --> 00:29:16,720 Speaker 5: That's why I was thinking. 612 00:29:16,760 --> 00:29:19,800 Speaker 4: I see these girls and they're renting dresses for I mean, 613 00:29:20,120 --> 00:29:23,040 Speaker 4: obviously depending on where you purchase it from a couple 614 00:29:23,160 --> 00:29:26,040 Speaker 4: hundred bucks and I'm like, red dress out, Yeah, rent 615 00:29:26,040 --> 00:29:28,160 Speaker 4: to dress out a couple of times and it's paid 616 00:29:28,160 --> 00:29:30,320 Speaker 4: for itself, which is what I found so appealing. 617 00:29:30,360 --> 00:29:31,280 Speaker 5: And you're absolutely right. 618 00:29:31,320 --> 00:29:34,200 Speaker 4: I guess the back end admin of it, the posting 619 00:29:34,280 --> 00:29:36,840 Speaker 4: and the dry cleaning and all of that stuff probably 620 00:29:36,880 --> 00:29:39,880 Speaker 4: is something that I need to think about in terms 621 00:29:39,920 --> 00:29:42,200 Speaker 4: of tax I'm assuming that money that I would earn 622 00:29:42,480 --> 00:29:43,800 Speaker 4: i'd have to be to clearing. 623 00:29:43,960 --> 00:29:47,680 Speaker 2: Yes, you boyd, it is taxable income. But in saying that, 624 00:29:47,840 --> 00:29:50,280 Speaker 2: it depends on whether you're making that a business or 625 00:29:50,280 --> 00:29:52,200 Speaker 2: it's just a bit of a hobby. On the side, 626 00:29:52,600 --> 00:29:56,640 Speaker 2: you could potentially talk to your accountant about deeming it 627 00:29:56,680 --> 00:29:59,880 Speaker 2: as income derived from a hobby, which is not tax 628 00:30:00,320 --> 00:30:02,560 Speaker 2: up into a certain point. So I think you can 629 00:30:02,600 --> 00:30:05,400 Speaker 2: make up to five thousand dollars from a hobby without 630 00:30:05,480 --> 00:30:09,080 Speaker 2: having a tax, But that is quite fickle. And before 631 00:30:09,120 --> 00:30:11,320 Speaker 2: you make that decision and go, well, I'll just claim 632 00:30:11,360 --> 00:30:13,800 Speaker 2: it as a hobby, like do talk to your accountant, 633 00:30:13,880 --> 00:30:16,240 Speaker 2: because I know a lot of people have gotten in 634 00:30:16,280 --> 00:30:18,400 Speaker 2: a bit of trouble for being like, oh, it's it's 635 00:30:18,440 --> 00:30:22,320 Speaker 2: a hobby. So for example, I know someone who claimed 636 00:30:22,600 --> 00:30:24,720 Speaker 2: uber as a hobby just because they did it a 637 00:30:24,720 --> 00:30:26,240 Speaker 2: couple of times, and they were like, oh, it was 638 00:30:26,320 --> 00:30:29,720 Speaker 2: just for fun. But uber is definitely not a hobby. 639 00:30:29,800 --> 00:30:32,360 Speaker 2: It is definitely a business. And because you have to register, 640 00:30:32,480 --> 00:30:34,880 Speaker 2: et cetera, et cetera, it wasn't so have a chat 641 00:30:34,880 --> 00:30:37,080 Speaker 2: with your accountant. But if you're only doing it here, 642 00:30:37,200 --> 00:30:40,280 Speaker 2: there and everywhere, maybe it could be categorized as a hobby. 643 00:30:40,400 --> 00:30:42,680 Speaker 5: Yeah, good way of like paying off a dress. I 644 00:30:42,840 --> 00:30:43,320 Speaker 5: like that. 645 00:30:43,320 --> 00:30:45,200 Speaker 4: That's what I thought, like self paying. So maybe if 646 00:30:45,200 --> 00:30:48,200 Speaker 4: anyone's ever done it and has any feedback, let me know. 647 00:30:48,400 --> 00:30:49,520 Speaker 5: I'm open to it. I'm content. 648 00:30:49,680 --> 00:30:52,840 Speaker 2: It's also a really good point that you bring up, Like, 649 00:30:52,880 --> 00:30:55,840 Speaker 2: we have so many beautiful clothes, and I'm a really 650 00:30:55,840 --> 00:30:59,480 Speaker 2: big fan of re wearing dresses. Like I didn't buy 651 00:30:59,480 --> 00:31:01,920 Speaker 2: a dress to wear once. I wore it because I 652 00:31:01,960 --> 00:31:04,080 Speaker 2: put it on and it made me feel good and 653 00:31:04,160 --> 00:31:06,640 Speaker 2: I really liked it, and therefore I'm very likely to 654 00:31:06,680 --> 00:31:08,680 Speaker 2: want to wear it to a lot of different events. 655 00:31:08,760 --> 00:31:11,440 Speaker 2: Like I have this blue striped dress, and if you're 656 00:31:11,480 --> 00:31:14,800 Speaker 2: an og Facebook group member from like three years ago, 657 00:31:14,880 --> 00:31:17,120 Speaker 2: you would have seen it a million times. 658 00:31:17,560 --> 00:31:18,400 Speaker 3: But it's like the. 659 00:31:18,400 --> 00:31:20,720 Speaker 2: Sisterhood of the traveling dress. Like I've worn it to 660 00:31:20,840 --> 00:31:24,360 Speaker 2: multiple weddings, multiple events. I'm pretty sure every single one 661 00:31:24,360 --> 00:31:26,640 Speaker 2: of my friends at some point or another has worn it. 662 00:31:26,680 --> 00:31:29,800 Speaker 2: My sister has worn it, like everybody has worn this dress. 663 00:31:29,840 --> 00:31:31,800 Speaker 2: And I just think there's something really nice about a 664 00:31:31,880 --> 00:31:35,600 Speaker 2: dress that carries a level of sentimental value. So maybe 665 00:31:35,680 --> 00:31:37,880 Speaker 2: in twenty twenty two, if you've got events, because I 666 00:31:37,880 --> 00:31:41,160 Speaker 2: feel like weddings and big events are back on, see 667 00:31:41,200 --> 00:31:43,560 Speaker 2: if you could maybe borrow a dress from a friend 668 00:31:43,720 --> 00:31:46,240 Speaker 2: before going shopping for a brand new one and create 669 00:31:46,280 --> 00:31:48,720 Speaker 2: a money win for yourself and create a good memory 670 00:31:48,720 --> 00:31:50,480 Speaker 2: with a beautiful dress that you saw on a friend 671 00:31:50,560 --> 00:31:51,040 Speaker 2: one time. 672 00:31:51,360 --> 00:31:56,720 Speaker 4: Gorghe Well, I will continue to take advantage of wardrobe 673 00:31:56,960 --> 00:31:57,720 Speaker 4: Dell divine. 674 00:31:58,160 --> 00:32:00,680 Speaker 2: Yeah, you welcome, no problems that all, but I do 675 00:32:00,760 --> 00:32:03,200 Speaker 2: think before you start rummaging through my wardrobe. And we're 676 00:32:03,200 --> 00:32:04,360 Speaker 2: done for today. 677 00:32:04,200 --> 00:32:08,520 Speaker 3: So enjoy guys. Thank you for the most gorgeous of years. 678 00:32:08,560 --> 00:32:11,680 Speaker 3: We are so lucky to have you all. But as always, 679 00:32:12,080 --> 00:32:12,680 Speaker 3: just before we. 680 00:32:12,640 --> 00:32:15,160 Speaker 2: Head off, we'd like to acknowledge and pay respect to 681 00:32:15,200 --> 00:32:19,200 Speaker 2: Australia's Aboriginal and torrest Rate islander peoples. They're the traditional 682 00:32:19,280 --> 00:32:22,480 Speaker 2: custodians of the lands, the waterways and the skies all 683 00:32:22,520 --> 00:32:25,760 Speaker 2: across Australia. We thank you for sharing and for caring 684 00:32:25,800 --> 00:32:28,000 Speaker 2: for the land on which we are able to learn. 685 00:32:28,360 --> 00:32:31,000 Speaker 2: We pay respects to elders past and present, and we 686 00:32:31,040 --> 00:32:33,120 Speaker 2: share our friendship and our kindness. 687 00:32:33,200 --> 00:32:35,760 Speaker 5: And remember, guys, that the advice sheared on shoes on 688 00:32:35,800 --> 00:32:38,600 Speaker 5: the money is general in nature and does not consider 689 00:32:38,760 --> 00:32:42,920 Speaker 5: your individual circumstances. She's on the money exists purely for 690 00:32:43,120 --> 00:32:46,080 Speaker 5: educational purposes and should not be relied upon to make 691 00:32:46,120 --> 00:32:50,040 Speaker 5: an investment or a financial decision. And we promise Victoria 692 00:32:50,080 --> 00:32:54,120 Speaker 5: Divine is an authorized representative of Australia Pacific Funds Management 693 00:32:54,400 --> 00:32:57,800 Speaker 5: propriet To Limited ABN three four one three two four 694 00:32:57,840 --> 00:33:01,000 Speaker 5: six three two five seven AFOSL three three nine one 695 00:33:01,040 --> 00:33:05,080 Speaker 5: five one penix d the by