1
00:00:00,680 --> 00:00:04,600
Speaker 1: Hello. My name is Santasha Nabananga Bamblet. I'm a proud

2
00:00:04,840 --> 00:00:08,639
Speaker 1: order order Kerni Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:34,200
Speaker 1: today and lasting impact for tomorrow. Let's get into it.

10
00:00:34,360 --> 00:00:53,600
Speaker 2: She's on the Money, She's on the Money.

11
00:00:57,280 --> 00:01:00,040
Speaker 3: Hello, and welcome back to She's on the Money, the

12
00:01:00,160 --> 00:01:02,279
Speaker 3: podcast that's here to help you keep more of your

13
00:01:02,360 --> 00:01:05,560
Speaker 3: hard earned cash where it belongs in your pocket. Have

14
00:01:05,640 --> 00:01:08,480
Speaker 3: you ever wondered why your beauty draw is overflowing with

15
00:01:08,560 --> 00:01:12,120
Speaker 3: products you baalues. It's not just you, it's me too, sadly,

16
00:01:12,360 --> 00:01:14,720
Speaker 3: and it's all part of the game beauty brands play

17
00:01:14,840 --> 00:01:18,880
Speaker 3: to keep us spending. I'm Victoria Devine here to break

18
00:01:18,880 --> 00:01:21,000
Speaker 3: down the marketing tricks that get us to hit ad

19
00:01:21,040 --> 00:01:24,280
Speaker 3: to Kart and how to shop smarter without falling for

20
00:01:24,319 --> 00:01:27,360
Speaker 3: the hype. Have you ever noticed how two beauty products

21
00:01:27,360 --> 00:01:30,720
Speaker 3: with the exact same ingredients can have one hundred dollars

22
00:01:30,840 --> 00:01:34,760
Speaker 3: difference in price. Let me break down why that happens.

23
00:01:35,160 --> 00:01:39,160
Speaker 3: It's all about pricing strategy. Brands often leverage their image,

24
00:01:39,200 --> 00:01:43,240
Speaker 3: their packaging, and marketing to create perceived value, allowing them

25
00:01:43,319 --> 00:01:46,119
Speaker 3: to charge a premium even when the formula is nearly

26
00:01:46,200 --> 00:01:50,360
Speaker 3: identical to a cheaper alternative. You often find that parent

27
00:01:50,360 --> 00:01:53,240
Speaker 3: companies use this to their advantage. Right they have both

28
00:01:53,280 --> 00:01:56,320
Speaker 3: a luxury and a budget brand in their portfolio, each

29
00:01:56,400 --> 00:02:00,640
Speaker 3: targeting different customer segments. Procter and Gamble, for exam, owns

30
00:02:00,720 --> 00:02:04,080
Speaker 3: a Lay, a popular mass market skincare brand, and also

31
00:02:04,280 --> 00:02:08,400
Speaker 3: SK two, a luxury skincare line. Ola caters to budget

32
00:02:08,400 --> 00:02:12,120
Speaker 3: conscious shoppers and me for like ever who still want

33
00:02:12,200 --> 00:02:15,959
Speaker 3: effective skincare solutions, whereas SK two targets customers willing to

34
00:02:16,000 --> 00:02:19,079
Speaker 3: pay a little bit more for a luxury experience. This way,

35
00:02:19,160 --> 00:02:21,880
Speaker 3: they capture both ends of the market, whether you're splurging

36
00:02:21,960 --> 00:02:24,799
Speaker 3: on a high end serum or saving with a chemist version.

37
00:02:24,880 --> 00:02:28,919
Speaker 3: They're maximizing their profits for every type of shopper, and

38
00:02:29,120 --> 00:02:32,320
Speaker 3: the psychology behind pricing plays a huge role in how

39
00:02:32,320 --> 00:02:35,320
Speaker 3: we perceive products, especially in the beauty space. We are

40
00:02:35,360 --> 00:02:37,919
Speaker 3: often wired to think that if something costs more, it

41
00:02:38,000 --> 00:02:40,600
Speaker 3: must be better, and this is known as the price

42
00:02:40,840 --> 00:02:44,520
Speaker 3: quality heuristic. A study published in the Journal of Consumer

43
00:02:44,600 --> 00:02:48,880
Speaker 3: Research found that participants rated identical skincare creams as more

44
00:02:48,919 --> 00:02:51,640
Speaker 3: effective when they were presented with a higher price stag

45
00:02:52,080 --> 00:02:55,560
Speaker 3: even though guys the products were exactly the same. This

46
00:02:55,720 --> 00:02:59,120
Speaker 3: shows exactly how easily price can influence our perception of quality,

47
00:02:59,200 --> 00:03:02,360
Speaker 3: tricking us and to spending more than necessary just because

48
00:03:02,400 --> 00:03:06,320
Speaker 3: of the cost. This perceived value is also because luxury

49
00:03:06,320 --> 00:03:09,120
Speaker 3: brands aren't just selling a product, right, They're selling an

50
00:03:09,320 --> 00:03:13,440
Speaker 3: entire experience. Everything from the sleek packaging to the instore

51
00:03:13,440 --> 00:03:16,560
Speaker 3: displays and even the unboxing can make a product feel

52
00:03:16,600 --> 00:03:20,519
Speaker 3: more valuable. That prestige comes with a hefty price tag, though,

53
00:03:20,560 --> 00:03:24,239
Speaker 3: and as consumers, we sadly are paying for that brand

54
00:03:24,320 --> 00:03:27,880
Speaker 3: story just as much as the actual ingredients. And my friends,

55
00:03:27,919 --> 00:03:31,840
Speaker 3: then there is marketing, the celebrity endorsements, the glossy adds,

56
00:03:32,000 --> 00:03:35,960
Speaker 3: influencer partnerships. It all costs money, and those costs they

57
00:03:35,960 --> 00:03:38,720
Speaker 3: get passed down to us. On top of that luxury

58
00:03:38,760 --> 00:03:43,120
Speaker 3: brands often invest heavily in research and development, which, while important,

59
00:03:43,600 --> 00:03:46,680
Speaker 3: doesn't always mean that the formula is groundbreaking. In fact,

60
00:03:47,160 --> 00:03:51,760
Speaker 3: many high end and chemist products nearly share identical ingredients lists.

61
00:03:52,200 --> 00:03:55,040
Speaker 3: So let's talk about another marketing strategy that gets us

62
00:03:55,120 --> 00:03:59,200
Speaker 3: every single time, literally me, every single time buzz ingredients.

63
00:03:59,480 --> 00:04:03,040
Speaker 3: You've probably seen a million different products flaunting hyaluronic acid

64
00:04:03,160 --> 00:04:06,440
Speaker 3: or retinol right on the packaging. Right. They sound impressive

65
00:04:06,520 --> 00:04:09,080
Speaker 3: and they make us feel like we're getting cutting edge

66
00:04:09,120 --> 00:04:12,320
Speaker 3: skin care. But my friends, here's the catch. Often those

67
00:04:12,440 --> 00:04:16,640
Speaker 3: ingredients are included in such low concentrations that they won't

68
00:04:16,680 --> 00:04:20,240
Speaker 3: actually deliver the promised results. If the results were even promised,

69
00:04:20,320 --> 00:04:23,679
Speaker 3: maybe it was just we have hyghaluronic acid in this product.

70
00:04:23,760 --> 00:04:26,800
Speaker 3: It's all about tapping into the hype of popular ingredients

71
00:04:26,839 --> 00:04:30,440
Speaker 3: without necessarily backing it up with any type of effectiveness.

72
00:04:31,000 --> 00:04:34,000
Speaker 3: Skincare brands also like to use terms like filler or

73
00:04:34,320 --> 00:04:37,279
Speaker 3: lift to create the illusion that their products can deliver

74
00:04:37,440 --> 00:04:42,279
Speaker 3: really dramatic treatment level results like those of cosmetic procedures. However,

75
00:04:42,839 --> 00:04:47,320
Speaker 3: these words often lack substance. There's no laser technology in

76
00:04:47,400 --> 00:04:51,120
Speaker 3: skincare or actual filler ingredients. In that jar. It wouldn't

77
00:04:51,120 --> 00:04:54,880
Speaker 3: even get into your skin. It's clever marketing tactics that

78
00:04:55,120 --> 00:04:58,279
Speaker 3: play on our desire for being youthful having lifted skin,

79
00:04:58,400 --> 00:05:01,799
Speaker 3: without the expense or invasive of the procedures that would

80
00:05:01,800 --> 00:05:05,400
Speaker 3: actually afford us those Then, my friends, there are the dupes.

81
00:05:05,440 --> 00:05:08,920
Speaker 3: Who doesn't love a good bargain? I love a good dupe.

82
00:05:09,080 --> 00:05:11,240
Speaker 3: We've talked about them before on the Pod. Their budget

83
00:05:11,279 --> 00:05:15,159
Speaker 3: friendly alternatives to high end products, which offer similar results

84
00:05:15,200 --> 00:05:18,479
Speaker 3: without the hefty price tag money win, which makes them

85
00:05:18,640 --> 00:05:22,479
Speaker 3: so damn popular. But there's a fine line. While replicating

86
00:05:22,480 --> 00:05:26,520
Speaker 3: a product's general effect is perfectly legal, it really crosses

87
00:05:26,520 --> 00:05:30,560
Speaker 3: into murky territory when brands start copying specific elements like

88
00:05:30,600 --> 00:05:34,680
Speaker 3: their packaging, their branding, or patented formulas. That's where we

89
00:05:34,720 --> 00:05:38,760
Speaker 3: get into IP theft. MC Beauty is a company that

90
00:05:38,880 --> 00:05:41,920
Speaker 3: has built its brand on providing dupes of popular products,

91
00:05:41,920 --> 00:05:44,720
Speaker 3: and for them, it's paid off big time with an

92
00:05:44,920 --> 00:05:49,479
Speaker 3: estimated get this, annual revenue of twelve point one million dollars.

93
00:05:50,000 --> 00:05:53,680
Speaker 3: Their version of Charlotte Tilbury's Hollywood flowless filter doesn't just

94
00:05:53,760 --> 00:05:57,400
Speaker 3: draw inspiration, guys, it's a near replica with the round

95
00:05:57,440 --> 00:06:00,760
Speaker 3: a glass bottle and the fluted rose gold. It's so

96
00:06:00,960 --> 00:06:04,120
Speaker 3: close that it had the Internet screaming how on earth

97
00:06:04,160 --> 00:06:06,839
Speaker 3: are they getting away with it? And honestly, I'm sitting

98
00:06:06,880 --> 00:06:10,920
Speaker 3: here wondering exactly the same. But I saw an ABC

99
00:06:11,120 --> 00:06:15,080
Speaker 3: story where MC beauty's IP lawyer explained that they make

100
00:06:15,360 --> 00:06:19,640
Speaker 3: very small tweaks to avoid breaking trademark laws. So, for example,

101
00:06:19,720 --> 00:06:24,280
Speaker 3: while Charlotte Tilbury has Hollywood Flowless filter, trademarked the word

102
00:06:24,320 --> 00:06:28,400
Speaker 3: flawless on its own, it's not protected, so MC beauty

103
00:06:28,560 --> 00:06:32,799
Speaker 3: uses it freely and liberally. And for the packaging, Charlotte

104
00:06:32,800 --> 00:06:36,640
Speaker 3: Tilbury's diamond logo is trademarked, so MC beauty swapped it

105
00:06:36,720 --> 00:06:39,560
Speaker 3: for a simple circle, just enough to stay on the

106
00:06:39,640 --> 00:06:42,919
Speaker 3: right side of the law. These very minor twigs have

107
00:06:42,960 --> 00:06:46,080
Speaker 3: allowed MC beauty to skirt legal boundaries by avoiding direct

108
00:06:46,120 --> 00:06:49,719
Speaker 3: copies of protected elements while they're still creating products that

109
00:06:49,760 --> 00:06:53,719
Speaker 3: look almost identical to the originals. But even if they're

110
00:06:53,720 --> 00:06:56,880
Speaker 3: not technically breaking the law, to me, it raises a

111
00:06:56,920 --> 00:07:00,800
Speaker 3: pretty big ethical dilemma. Is it really fair piggyback off

112
00:07:00,800 --> 00:07:03,560
Speaker 3: the hard work and creativity of brands that have invested

113
00:07:03,680 --> 00:07:07,160
Speaker 3: so much into developing something truly original. For me, let's

114
00:07:07,160 --> 00:07:09,920
Speaker 3: be honest, it gives me the ick. In the same

115
00:07:10,000 --> 00:07:13,320
Speaker 3: ABC story, when asked about the ethics of copying high

116
00:07:13,440 --> 00:07:16,760
Speaker 3: end products so closely, m CO Beauty's owner shrugged it

117
00:07:16,760 --> 00:07:18,960
Speaker 3: off with a really dismissive If you don't like it,

118
00:07:19,120 --> 00:07:22,200
Speaker 3: don't buy it. It's like she's sidestepped to the entire

119
00:07:22,280 --> 00:07:26,440
Speaker 3: ethical conversation, focusing solely on the legalities and consumer demand.

120
00:07:26,560 --> 00:07:29,880
Speaker 3: But for me, it's more than just about following the rules.

121
00:07:30,240 --> 00:07:34,160
Speaker 3: They're capitalizing on someone else's creativity without adding anything new.

122
00:07:34,760 --> 00:07:37,680
Speaker 3: I'm one for market research, so I have tried both

123
00:07:37,680 --> 00:07:40,040
Speaker 3: the original and the jupe, and in my opinion, the

124
00:07:40,040 --> 00:07:43,760
Speaker 3: similarities actually end at the visuals. It feels like MC

125
00:07:43,880 --> 00:07:47,280
Speaker 3: beauty has leaned heavily on the social media hype, banking

126
00:07:47,320 --> 00:07:50,240
Speaker 3: on the visual appeal to luring consumers into thinking that

127
00:07:50,320 --> 00:07:53,680
Speaker 3: they're getting a really comparable product, But in reality, the

128
00:07:53,760 --> 00:07:57,400
Speaker 3: dupe doesn't deliver the same quality or results as the original,

129
00:07:57,680 --> 00:07:59,920
Speaker 3: making it feel like a cheap trick rather than a

130
00:08:00,120 --> 00:08:03,640
Speaker 3: smart and savvy alternative. So how do we outsmart the

131
00:08:03,640 --> 00:08:06,960
Speaker 3: beauty aisle and avoid falling for all these marketing tricks?

132
00:08:07,000 --> 00:08:09,320
Speaker 3: Well after the break I'm going to be talking savvy

133
00:08:09,400 --> 00:08:16,160
Speaker 3: shopping strategies. All right, my friends, we are back and

134
00:08:16,200 --> 00:08:18,760
Speaker 3: we are talking beauty. Now, let's get into the good stuff.

135
00:08:19,400 --> 00:08:22,320
Speaker 3: How to keep your paycheck from disappearing on beauty products

136
00:08:22,400 --> 00:08:25,600
Speaker 3: that just don't deliver. Here are some savvy shopping tips

137
00:08:25,640 --> 00:08:29,080
Speaker 3: to help you make better choices. First, my friends, you

138
00:08:29,120 --> 00:08:32,600
Speaker 3: need to know your skin type and your specific beauty needs.

139
00:08:33,040 --> 00:08:35,480
Speaker 3: What works for an influencer on TikTok might be a

140
00:08:35,520 --> 00:08:38,280
Speaker 3: perfect recipe for clogged paws, or it might even break

141
00:08:38,320 --> 00:08:42,920
Speaker 3: you personally out. Beauty is unfortunately, unfortunately, not one size

142
00:08:42,960 --> 00:08:46,400
Speaker 3: fits all, so understanding what your skin needs can save

143
00:08:46,440 --> 00:08:49,120
Speaker 3: you from wasting money on trendy products that aren't the

144
00:08:49,240 --> 00:08:52,040
Speaker 3: right fit for you. And another thing, which is a

145
00:08:52,040 --> 00:08:54,200
Speaker 3: bit sad, because nobody wants to admit that they are

146
00:08:54,200 --> 00:08:56,960
Speaker 3: getting a little bit older, but your skins need change

147
00:08:57,000 --> 00:08:59,920
Speaker 3: over time, So understanding these shifts based on your age

148
00:09:00,080 --> 00:09:03,640
Speaker 3: and help you adjust your routine accordingly. Next, my friend,

149
00:09:03,640 --> 00:09:06,280
Speaker 3: we're going to focus in on ingredients that are proven

150
00:09:06,360 --> 00:09:09,200
Speaker 3: to work for your specific skin type and the concerns

151
00:09:09,200 --> 00:09:12,319
Speaker 3: that you have. So instead of chasing the latest buzzwords,

152
00:09:12,360 --> 00:09:16,280
Speaker 3: no laser here, look for products with effective concentrations of

153
00:09:16,440 --> 00:09:19,800
Speaker 3: ingredients that are then backed by science. Don't be swayed

154
00:09:19,840 --> 00:09:22,840
Speaker 3: because everyone's using it. What matters is whether it actually

155
00:09:22,840 --> 00:09:25,960
Speaker 3: suits your skin or not. Another tip is read the

156
00:09:26,120 --> 00:09:29,560
Speaker 3: ingredients list, not just the front label. Brands love to

157
00:09:29,679 --> 00:09:33,240
Speaker 3: highlight the buzzworthiness ingredients on the packaging, but the real

158
00:09:33,280 --> 00:09:35,640
Speaker 3: story is often in the fine print on the back

159
00:09:35,720 --> 00:09:38,640
Speaker 3: of the bottle. In Australia, beauty brands are required to

160
00:09:38,679 --> 00:09:42,959
Speaker 3: list ingredients on their product labels in descending order of quantity,

161
00:09:43,600 --> 00:09:46,760
Speaker 3: so if that star ingredient is listed way down the bottom,

162
00:09:47,000 --> 00:09:49,040
Speaker 3: there might not be enough of it to actually do

163
00:09:49,120 --> 00:09:52,240
Speaker 3: anything good for your skin. The other thing that I

164
00:09:52,280 --> 00:09:55,800
Speaker 3: think is really important is beware of the dupes. They

165
00:09:55,920 --> 00:09:58,920
Speaker 3: often clickbait. Dupes can be tempting because they promise the

166
00:09:59,000 --> 00:10:01,680
Speaker 3: luxury look for less, but they don't always live up

167
00:10:01,720 --> 00:10:05,520
Speaker 3: to the hype. Many jeops are marketed heavily on social media,

168
00:10:05,640 --> 00:10:08,080
Speaker 3: creating a buzz that can be more about getting clicks

169
00:10:08,080 --> 00:10:12,000
Speaker 3: and sales than delivering quality results. While some jeops do

170
00:10:12,240 --> 00:10:15,599
Speaker 3: genuinely do a good job, others might fall short in performance,

171
00:10:15,679 --> 00:10:19,400
Speaker 3: quality or longevity. Before buying, look for a really thorough

172
00:10:19,400 --> 00:10:22,240
Speaker 3: comparison and some honest reviews to see if the dupe

173
00:10:22,320 --> 00:10:24,760
Speaker 3: is truly worth it or if it's just a really

174
00:10:24,800 --> 00:10:28,480
Speaker 3: clever marketing ploy. So one of the smartest ways to

175
00:10:28,520 --> 00:10:31,240
Speaker 3: save money on beauty products is actually finding your own droops.

176
00:10:31,760 --> 00:10:34,679
Speaker 3: Look for budget friendly alternatives that contain the same key

177
00:10:34,840 --> 00:10:38,400
Speaker 3: ingredients as high end items. So start by identifying active

178
00:10:38,520 --> 00:10:42,679
Speaker 3: ingredients in your favorite luxury products like hyaluronic acid, niacinamide,

179
00:10:42,760 --> 00:10:46,200
Speaker 3: or even vitamin C. Then search for more affordable brands

180
00:10:46,200 --> 00:10:50,920
Speaker 3: that feature those same ingredients in similar concentrations. By focusing

181
00:10:50,920 --> 00:10:53,680
Speaker 3: on ingredients rather than brand names, you can build a

182
00:10:53,720 --> 00:10:56,439
Speaker 3: really effective skincare routine that works for both your skin

183
00:10:56,920 --> 00:11:01,400
Speaker 3: and importantly for me your budget. Another big money saving

184
00:11:01,480 --> 00:11:04,880
Speaker 3: hack is to test it before you invest it. Ask

185
00:11:04,960 --> 00:11:07,520
Speaker 3: for samples or buy travel sizes to see how your

186
00:11:07,520 --> 00:11:10,600
Speaker 3: skin reacts before committing to a full size. Especially for

187
00:11:10,679 --> 00:11:13,520
Speaker 3: pricier items, we have to do is ask at Mecca.

188
00:11:13,559 --> 00:11:16,800
Speaker 3: They are so kind and don't forget to know the

189
00:11:16,840 --> 00:11:19,560
Speaker 3: difference between your needs and your wants. That's something that

190
00:11:19,600 --> 00:11:22,080
Speaker 3: I need to remind myself of time and time again.

191
00:11:22,160 --> 00:11:24,880
Speaker 3: But just because something is all over social media, my

192
00:11:24,960 --> 00:11:27,679
Speaker 3: friend it doesn't mean it's an essential. Be sure to

193
00:11:27,720 --> 00:11:31,120
Speaker 3: read unbiased reviews, and be skeptical of influencer promotions that

194
00:11:31,280 --> 00:11:35,520
Speaker 3: might just be sponsored. Influencers are often paid to hype products,

195
00:11:35,559 --> 00:11:38,280
Speaker 3: so look for the opinions of people who aren't necessarily

196
00:11:38,400 --> 00:11:41,959
Speaker 3: financially tied to the brand. And remember, just because a

197
00:11:42,000 --> 00:11:44,960
Speaker 3: product is popular, it doesn't actually mean that it's better

198
00:11:44,960 --> 00:11:47,400
Speaker 3: for your skin or even your wallet. And here is

199
00:11:47,440 --> 00:11:49,760
Speaker 3: a little bonus shopping trip that I just learned. My

200
00:11:49,840 --> 00:11:52,960
Speaker 3: producer Emma was telling me that she was buying mascara

201
00:11:53,080 --> 00:11:56,040
Speaker 3: and foundation and chemistphare House right and even though they

202
00:11:56,040 --> 00:11:59,000
Speaker 3: were on sale, money win. She's a genius. So she

203
00:11:59,120 --> 00:12:01,480
Speaker 3: checked online and she saw that the products were half

204
00:12:01,600 --> 00:12:05,360
Speaker 3: priced at a different store. And since I'm sorry, Chemists Warehouse,

205
00:12:05,360 --> 00:12:08,079
Speaker 3: we're outing you here. But since Chemists Warehouse price matches,

206
00:12:08,559 --> 00:12:11,720
Speaker 3: instead of paying thirty seven dollars, she paid twenty five bucks.

207
00:12:11,800 --> 00:12:14,240
Speaker 3: A quick online search when she was in store made

208
00:12:14,280 --> 00:12:16,840
Speaker 3: all the difference. And that is a total money win.

209
00:12:17,320 --> 00:12:20,040
Speaker 3: And you know what, ultimately, your beauty routine should be

210
00:12:20,040 --> 00:12:23,520
Speaker 3: about what makes you feel good inside and out. Shopping

211
00:12:23,559 --> 00:12:25,760
Speaker 3: smart means knowing when a jib is a good deal,

212
00:12:25,880 --> 00:12:28,280
Speaker 3: and when it's just hype, and I want you to

213
00:12:28,280 --> 00:12:31,240
Speaker 3: stay really critical of flashy promises that just don't deliver.

214
00:12:31,559 --> 00:12:33,559
Speaker 3: It's less about the price tag and more about making

215
00:12:33,640 --> 00:12:37,840
Speaker 3: thoughtful choices that serve your skin and importantly, your budget.

216
00:12:38,320 --> 00:12:40,440
Speaker 3: Thank you for joining me today on I don't Know

217
00:12:40,600 --> 00:12:43,280
Speaker 3: a very fun beauty rand. I'm heading straight back home

218
00:12:43,400 --> 00:12:46,839
Speaker 3: to sadly clean out my beauty drawer and part ways

219
00:12:46,880 --> 00:12:49,800
Speaker 3: with those barely used products that over promise and let's

220
00:12:49,840 --> 00:12:58,160
Speaker 3: be honest, have under delivered. They're out. Have a good Saturday, guys.

221
00:13:00,000 --> 00:13:02,200
Speaker 4: If I shared on She's on the Money is general

222
00:13:02,240 --> 00:13:06,080
Speaker 4: in nature and does not consider your individual circumstances. She's

223
00:13:06,160 --> 00:13:09,600
Speaker 4: on the Money exists purely for educational purposes and should

224
00:13:09,640 --> 00:13:12,800
Speaker 4: not be relied upon to make an investment or financial decision.

225
00:13:13,200 --> 00:13:15,440
Speaker 3: If you do choose to buy a financial.

226
00:13:15,000 --> 00:13:19,359
Speaker 4: Product, read the PDS TMD and obtain appropriate financial advice.

227
00:13:19,040 --> 00:13:20,360
Speaker 3: Tailored towards your needs.

228
00:13:20,720 --> 00:13:24,679
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

229
00:13:24,720 --> 00:13:28,840
Speaker 4: of Money. Sheoper Pty Ltd ABN three two one six

230
00:13:28,920 --> 00:13:32,800
Speaker 4: four nine two seven seven zero eight AFSL four five

231
00:13:32,880 --> 00:13:39,960
Speaker 4: one two eight nine