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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the

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Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 1: Hello, and welcome to She's on the Money, the podcast

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Speaker 1: for millennials who want financial freedom. My name is Victoria

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Speaker 1: Devine and we are back for another one of our

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Speaker 1: shop Back Money darries where we get to have a

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Speaker 1: very exciting conversation with one of our She's on the

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Speaker 1: Money community members about their money story and the journey

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Speaker 1: that they're on. And this week, as always, we have

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Speaker 1: a beautiful one for you, So let's dive straight in.

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Speaker 1: This is the message I got this week. I am

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Speaker 1: a twenty seven year old veterinarian and have definitely been

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Speaker 1: living beyond my means despite making a six figure salary.

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Speaker 1: Given my hectic workload sometimes easily one hundred hours a

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Speaker 1: week and the emotional told the job takes on myself,

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Speaker 1: I definitely decide to treat myself a little bit too much.

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Speaker 1: I've now decided that in order to keep up with

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Speaker 1: my lifestyle, I'll need to make some drastic changes to

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Speaker 1: my money habits. I've also decided that this will need

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Speaker 1: to involve a dramatic mental health overhaul to make it sustainable.

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Speaker 1: My dad was always and still is obsessed with finances.

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Speaker 1: He tells me where I need to be at in

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Speaker 1: my super to be able to retire comfortably weekly and

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Speaker 1: sends me the spreadsheets. Becoming financially free from him, although

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Speaker 1: probably not the best decision for myself financially, has been

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Speaker 1: great for my mental health. I really want to share

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Speaker 1: my story so that other young professionals out there can

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Speaker 1: have someone to relate to as a single woman who

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Speaker 1: is nowhere near buying a house. All right, money diarist,

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Speaker 1: what a story? Are you ready to dive straight into

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Speaker 1: this one?

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Speaker 2: Oh?

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Speaker 1: My gosh, all right, I want to know. Can you

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Speaker 1: tell us a little bit more about your money story.

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Speaker 4: So I guess we can start where I, like I

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Speaker 4: grew up. I grew up very comfortably.

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Speaker 5: Like I said, dad's very comfortable with money, sort of

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Speaker 5: discussing it my family. Both my parents to work full time.

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Speaker 5: They both have higher degrees. That's got to pitch. Gee,

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Speaker 5: mum's got higher degree as well.

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Speaker 1: Oh not the only doctor in the family.

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Speaker 5: No, no, yeah, Dad's the first doctor. So we always

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Speaker 5: were extremely comfortably. My sister and I went to good schools.

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Speaker 5: They weren't private schools, but they were you know, well

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Speaker 5: known public schools that you had to try really hard

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Speaker 5: to you know, get into. They've always had We've got

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Speaker 5: investment properties or the family has investment properties. It's my

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Speaker 5: parents super and they've got their own businesses. Everything with

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Speaker 5: the money, they've done correctly. So yeah, and like I

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Speaker 5: said in my little blurb that Dad was sort of

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Speaker 5: always talking about money growing up, and he still is

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Speaker 5: acually having my email calumn a section for him. Says

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Speaker 5: that all the emails go to cups constant, so I

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Speaker 5: always get spreadsheets about, yeah, where my finances are meant

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Speaker 5: to be at and how much are meant to save,

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Speaker 5: And that's sort of where my money story started.

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Speaker 1: I love that. Does he want a job? I feel

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Speaker 1: like he would love that. I feel like there are

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Speaker 1: a lot of people in our community that need this

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Speaker 1: as well. Ten out of ten Dad behavior.

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Speaker 4: Oh, he loves a good spreadsheets. I don't want there.

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Speaker 4: I inherited that from him.

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Speaker 5: The other part of my money story, I guess, is

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Speaker 5: that I have a twin sister, and we've taken very

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Speaker 5: different life paths at the moment. So my degree was

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Speaker 5: seven years in the end, it took me to finish

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Speaker 5: met school where she is a paramedic who's in London now,

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Speaker 5: and she finished in three years, moved straight to London

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Speaker 5: and made really good money, literally traveled the world. So

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Speaker 5: we've always sort of competed against each other growing up.

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Speaker 5: So she's obviously got a lot of savings and she can,

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Speaker 5: you know, travels freely and just living life, especially in London,

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Speaker 5: whereas I've sort of always been like in the country

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Speaker 5: town and working for.

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Speaker 4: Very minimal wage usually until now. But yeah, wow, basically

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Speaker 4: where I've come from.

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Speaker 1: How interesting. I feel like, that's really like, it's interesting

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Speaker 1: to see twins go in two different ways.

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Speaker 4: Oh, it's just it's scary to look at.

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Speaker 1: No, it's not. We'll come back to that. We are

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Speaker 1: going to come back to that, all right. I want

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Speaker 1: to know what do you do for work now and

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Speaker 1: how much money do you earn.

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Speaker 4: So I'm a VET. I started in GP, and like

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Speaker 4: I said, I was making six figures. Eventually, after a

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Speaker 4: few months I got a good pay rise.

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Speaker 5: Then, in the height of COVID, I actually took a

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Speaker 5: big paycard of about forty to forty five thousand dollars

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Speaker 5: to be a Vetery intern, which means when you graduate

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Speaker 5: from VET, you come out as a general practitioner, so

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Speaker 5: you can get paid okay, but the award's about fifty something,

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Speaker 5: so not a lot. Yeah, So I was doing well,

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Speaker 5: took a big pay cut, and now I've started after

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Speaker 5: my internship, I've got a residency, which means I am

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Speaker 5: treating to be a specialist, and I'm on about ninety

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Speaker 5: a year, roughly a bit under.

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Speaker 4: So I was just looking at my paychecks.

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Speaker 5: Then actually, I've done your course, so I've got all

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Speaker 5: the bits and pieces spilled in.

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Speaker 4: So I make.

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Speaker 5: Twenty two hundred and seventy eight dollars a fortnight after.

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Speaker 1: Tax, not bad, not bad.

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Speaker 4: And then you have to take into accountable work expenses.

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Speaker 1: Oh my gosh. Yeah, look, let's not take that there

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Speaker 1: right now. I want to know what you're working towards though.

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Speaker 1: Can you tell us a little bit about your big

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Speaker 1: money goal?

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Speaker 5: Yeah, so I've got as for your pregnant again, I've

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Speaker 5: sort of split up all my little money goals.

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Speaker 1: Oh so you do the full blown trees on the

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Speaker 1: money budgeting flow system.

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Speaker 5: Yep, I've literally done it all. So I've got like

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Speaker 5: my short, medium, and long term goals.

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Speaker 1: Yeah.

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Speaker 5: With my short term goal at the moment is just

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Speaker 5: to get out of essentially personal debt as quick as

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Speaker 5: I can, which we'll.

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Speaker 4: Get into later.

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Speaker 5: I guess we've got a fair bit of a little

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Speaker 5: bits and pieces and they sort of all add up.

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Speaker 4: So that's my first one. And then because of my.

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Speaker 5: Training program, I actually get to go overseas. I'm not

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Speaker 5: allowed to just train in the same.

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Speaker 4: Clinic's the same specialist hospital.

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Speaker 5: So I'm going to go to Queensland, Hong Kong and

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Speaker 5: hopefully the UK to do some training in the next

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Speaker 5: couple of years under some big, well known bets. But

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Speaker 5: that's going to cost a lot of money.

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Speaker 1: That's all right. The experience is going to be there,

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Speaker 1: And the way your eyes lit up when you explained

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Speaker 1: that to me tells me you cannot wait.

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Speaker 4: Oh, I'm very excited, really excited.

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Speaker 5: And then I've got my medium term goal, which i've

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Speaker 5: put so my first short term I've put sort of

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Speaker 5: one to two years because I know a lot of

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Speaker 5: my savings are going to go into my externships. My

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Speaker 5: medium term goal is to save a very solid emergency fund,

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Speaker 5: which I know I should do earlier, but it's just realistically,

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Speaker 5: I'm paying so much debt down and i know it's

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Speaker 5: going to go straight into the internships. And I've got like,

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Speaker 5: it's sort of nice that my parents are on top

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Speaker 5: of money because I can always I always rely on them,

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Speaker 5: as much as I hate to do it, but just

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Speaker 5: in this job and this career path that I've taken,

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Speaker 5: I'm unfortunately not going to be able to save a.

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Speaker 4: Ton of money while doing the externships. It's just it

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Speaker 4: is what it is.

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Speaker 5: So you'll go overseas for a few months at a

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Speaker 5: time and you won't make any money. So the next

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Speaker 5: goal is the medium term goal. So I've just sort

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Speaker 5: of put an arbitrary amount about fifteen thousand I'd like

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Speaker 5: to be able to get a few months of expenses saved,

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Speaker 5: and then my long term goal is which is ten

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Speaker 5: years plus. I've decided that I want to get into

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Speaker 5: investment properties like my family. But given the market at

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Speaker 5: the moment and my wage and my debt from that

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Speaker 5: school and all that, I just think there's to do

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Speaker 5: that anytime soon.

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Speaker 1: Still happen in the future, though, that's the plan. If

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Speaker 1: we make a plan, we are halfway there exactly. Oh

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Speaker 1: my gosh, I love it. All right. You mentioned debt before,

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Speaker 1: but I want to ask first about investments, So do

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Speaker 1: you have any investments? If so, what are they.

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Speaker 5: I only have my super at the moment, which I

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Speaker 5: checked before.

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Speaker 4: It's at about seventeen thousand, which I.

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Speaker 5: Think is pretty good for technically only working full time

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Speaker 5: for two years. I've only done sort of casual shift

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Speaker 5: work well at UNI.

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Speaker 4: That's the only investment I technically have at the moment.

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Speaker 5: I did have a raise account then I figured, I mean,

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Speaker 5: it's nice to get into it, but I had so

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Speaker 5: much debt that I ended up taking the money straight

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Speaker 5: out of that when it had increased a little bit,

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Speaker 5: just to pay down the debt.

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Speaker 4: Quicker, I was paying so much, so much interest.

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Speaker 1: Yeah, wow, all right, well let's talk about debt then.

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Speaker 1: I want to know. You mentioned before that you have debts,

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Speaker 1: So what are they and what are they for?

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Speaker 4: All right, we'll go through my little list. It's a

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Speaker 4: very daunting but I was like, I need to have it.

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Speaker 5: I haven't actually saved in my computer because if I

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Speaker 5: don't have it right in front of me, then I

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Speaker 5: sort of bury my head in the sand. And one

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Speaker 5: of these people that are just sort of lived. I

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Speaker 5: do live paycheck unfortunately at the moment. That's because I'm

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Speaker 5: trying to put everything towards payment debts off.

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Speaker 4: So at the.

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Speaker 5: Moment, so I did initially pay my help blown off,

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Speaker 5: which was nice when I was working with my six

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Speaker 5: figure job. And then I went back and did a

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Speaker 5: post rate certificate. So that's sitting at about eighty six hundred,

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Speaker 5: which is not too bad, but it's still there.

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Speaker 1: That's not bad debt exactly.

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Speaker 4: It was about seventy thousand. I think that the school ended.

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Speaker 1: Up being Wow, and you paid all of that off.

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Speaker 4: I paid a part scholarship part with my own work.

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Speaker 1: So wow, that's a very big feat on its own

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Speaker 1: I know.

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Speaker 5: But look, there's better places I could have put my money,

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Speaker 5: but it made me feel good to actually pay some

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Speaker 5: of it off.

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Speaker 1: Yea one hundred percent, and now it's not coming out

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Speaker 1: of your paycheck each and every single month as much

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Speaker 1: as you've already done it. Like, I don't think it's

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Speaker 1: the worst decision.

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Speaker 5: And I've got my car break down, and I had

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Speaker 5: basically no savings though, so I still have a car

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Speaker 5: alan I think it's sitting.

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Speaker 4: Just over eight thousand an hour roughly.

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Speaker 1: Yeah.

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Speaker 4: I also how could I have.

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Speaker 5: I have got a credit card debt, which I consolidated recently,

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Speaker 5: so that's down to four thousand. But I put all

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Speaker 5: my little twenty debts into that. A. I did a

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Speaker 5: balance transfer zero percent interest because I felt like the

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Speaker 5: accounts that I did have, I was spending more in

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Speaker 5: interest per week, per month, and I was actually putting

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Speaker 5: back into the payment so.

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Speaker 4: I wasn't getting anyway. And then I.

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Speaker 5: Had the fine repayments that is about thirteen hundred dollars.

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Speaker 5: Le've done that, so drive one hundreds or sent car.

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Speaker 4: I didn't realize that.

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Speaker 1: Oh no.

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Speaker 5: And then my workplace also didn't text me correctly in

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Speaker 5: the last year, so I had about sixteen hundred initially

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Speaker 5: on that and that's about down to.

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Speaker 4: I've paid a bit of that off. It's about thirteen hundred.

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Speaker 1: Oh my gosh, so is that a total of around

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Speaker 1: fifteen thousand dollars worth of debt. I'm sorry to add

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Speaker 1: that all up.

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Speaker 4: No, let me actually, let me keep this spreadsheet. It's

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Speaker 4: all along here loan repayments. This is the daunting part.

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Speaker 4: It's a just under twenty four thousand.

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Speaker 1: Okay, all right, not too bad. Honestly, that is not

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Speaker 1: the worst place that you can be. And I think

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Speaker 1: it's interesting that you said, look, I just bury my

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Speaker 1: head in the sand. But it kind of is what

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Speaker 1: it is, right Like, we don't need to we recify

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Speaker 1: ourselves over debt. We just need to go it's there.

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Speaker 1: We need to make a plan for it, full stop.

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Speaker 1: End of story. I think the most important thing you

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Speaker 1: can do when it comes to managing money is just

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Speaker 1: acknowledges the existence and kind of pick yourself up and

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Speaker 1: move on, because if we dwell on it, like, it

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Speaker 1: doesn't actually grow us, it doesn't benefit us, it doesn't

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Speaker 1: put us in a better position, like feeling bad about

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Speaker 1: things like that's a waste of time from my perspective.

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Speaker 1: But what we can do is do exactly what you're

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Speaker 1: doing right now, is create a budget and cash flow

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Speaker 1: system that works and put it into place, and then

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Speaker 1: you know that plan is eventually going to work. And

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Speaker 1: just because you're in debt doesn't mean we can't project

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Speaker 1: ourselves forward still, like paying off debt is a really

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Speaker 1: good lesson, Like it is a lesson in discipline, in savings.

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Speaker 1: And the second that you've paid off that twenty four

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Speaker 1: thousand dollars worth of debt, well that's twenty four thousand

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Speaker 1: dollars worth of savings we now can create because I

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Speaker 1: know that you've been able to save that in a way.

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Speaker 1: So that's a good position to be in, my friend,

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Speaker 1: I don't think it is the most negative, but I

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Speaker 1: mean that's not how the person who is in debt

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Speaker 1: often feels.

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Speaker 4: Yeah, no, definitely not. And I think, look, it's eye opening.

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Speaker 5: Like I did the course, I've got it in front

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Speaker 5: of me and I literally keep a list right on

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Speaker 5: my computer where I check every day. And it's sort

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Speaker 5: of nice because once I pay a little bit more,

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Speaker 5: I'll just sort of knock the price down on my

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Speaker 5: little It's just like a little note on my computer

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Speaker 5: so I can visualize it every day and be like, look,

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Speaker 5: this is actually a lot smaller than it used to be.

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Speaker 5: And since doing that, I've been like, Okay, I'll pick

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Speaker 5: a couple shifts up in the er department, or I'll

285
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Speaker 5: start another job very soon, just on the side, which

286
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Speaker 5: will make me. It could make me another fifteen hundred

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Speaker 5: per week potentially.

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Speaker 1: Oh my gosh, she'll smash it off in no time.

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Speaker 4: Yeah, that's the aim.

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Speaker 1: Oh, I love this figure. That is so exciting. All right,

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Speaker 1: let's move on to the next question. I want to

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Speaker 1: know when you're shopping online, do you shop back?

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Speaker 4: I sure do.

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Speaker 5: I've been using it for years. I've totally forgot I

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Speaker 5: had it until you guys, I'm talking about it on

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Speaker 5: the podcast again. And then I went back and it

297
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Speaker 5: turns out I had about thirty dollars. So I made

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Speaker 5: a new account that they let me merge it. I

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Speaker 5: use the cheating my.

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Speaker 1: Money, oh money ween.

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Speaker 5: The other day, I think I got sixty dollars out

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Speaker 5: of it, so, but I can't remember when I put

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Speaker 5: it towards I paid something with it, but I was like,

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Speaker 5: I may as well take money from that and use

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Speaker 5: it while I can, and if I buy it all

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Speaker 5: my dog food, anything that I can, I try to

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Speaker 5: buy a lance.

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Speaker 1: So yeah, how good. I love that You're like, oh,

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Speaker 1: I still got the discount code even though I wasn't

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Speaker 1: the one that introduced you to it. Like that's a

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Speaker 1: money in itself. I think you're a genius. Ten out

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Speaker 1: of ten good money hack. The next question I have

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Speaker 1: for you, I want to know, what do you think

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Speaker 1: is your best money habit.

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Speaker 4: I think it's like that again.

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Speaker 5: I think I'm just good at getting the best price

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Speaker 5: I can. I used to be very I would just

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Speaker 5: buy things if I saw it and I wanted it,

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Speaker 5: Whereas nowadays, because I'm so I know how much debt

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Speaker 5: I have, I actually step back and you know, the

321
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Speaker 5: time between my purchasers. Like generally I will be like

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Speaker 5: do I really need this? When I'm going to purchase something.

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Speaker 5: It's one thing I think I do quite well. It

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Speaker 5: definitely like it takes to me hundreds here and there

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Speaker 5: because if I go out and I look at it,

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Speaker 5: donate that other shoes really, So it's something that I've

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Speaker 5: developed over the last few years.

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Speaker 1: Definitely, that is a good habit. I want to bring

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Speaker 1: the mood down, though, I want to know, now, what

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Speaker 1: is your worst money habit?

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Speaker 5: Probably putting my head in the sand, especially when it

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Speaker 5: comes to like grocery, some little purchases. I was adding

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Speaker 5: them up the other day and I spent like an

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00:14:18,640 --> 00:14:21,400
Speaker 5: extra two hundred dollars over when I budgeted, just between

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00:14:21,440 --> 00:14:24,480
Speaker 5: like drinks and coffee and buying food out. We've got

336
00:14:24,480 --> 00:14:26,320
Speaker 5: a put across the road from work, Zonce's had a

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00:14:26,320 --> 00:14:28,000
Speaker 5: crap tea. A lot of us will be like, oh,

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Speaker 5: let's go to the pub and have a drink, and.

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Speaker 1: It adds up totally, totally. All right, Last question I've

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00:14:35,600 --> 00:14:37,240
Speaker 1: got for you before we head to a quick break,

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Speaker 1: I want to know what would you grade yourself if

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Speaker 1: we forced you to give yourself a money grade.

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Speaker 5: I'd probably say like a sea at the moment, mainly

344
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Speaker 5: because I obviously have the death still and they don't

345
00:14:51,280 --> 00:14:53,720
Speaker 5: feel very financially free yet, and that's what I want

346
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Speaker 5: to achieve, and I don't want to be living week

347
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Speaker 5: to week off paychecks, which I'm doing at the moment

348
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Speaker 5: because I'm trying to pay them. So once I get

349
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Speaker 5: on top of that and probably get on top of

350
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Speaker 5: my depth a little bit more and have a bit

351
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Speaker 5: of a saving space.

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Speaker 4: Then I probably increase it a bit.

353
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Speaker 5: But with my where my career will go totally that

354
00:15:13,000 --> 00:15:14,880
Speaker 5: will happen in the next five years.

355
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Speaker 1: Yeah, Oh my gosh. All right, Well, I have a

356
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Speaker 1: lot of questions for you. I want to talk to

357
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Speaker 1: you about growing up as a twin. I want to

358
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Speaker 1: know what it's like mentally to work as a vet

359
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Speaker 1: and if it's actually Victoria Devine's dream job, because that's

360
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Speaker 1: what she thought she wanted to be when she was little.

361
00:15:29,720 --> 00:15:31,960
Speaker 1: But I have a heap of questions for you. But

362
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Speaker 1: we're first going to go to a really quick break.

363
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Speaker 1: Don't go anywhere, guys. All right, money diarist, We are back,

364
00:15:41,320 --> 00:15:44,440
Speaker 1: and I want to dive straight in. When I was little,

365
00:15:44,560 --> 00:15:46,600
Speaker 1: all I wanted in life was to become a vet?

366
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Speaker 1: Is it all that it has cracked up to be?

367
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Speaker 1: I feel like you are living my dream job.

368
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Speaker 4: That's what most people think. No, I love it. I do.

369
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Speaker 4: I do.

370
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Speaker 5: I really love my patience, and I think the work itself,

371
00:16:02,240 --> 00:16:05,760
Speaker 5: like the science behind everything's very very interesting. It's just

372
00:16:05,800 --> 00:16:10,240
Speaker 5: a very taxing job mentally and financially. Like I was

373
00:16:10,280 --> 00:16:13,840
Speaker 5: saying before our award, which is dramatically improved in the

374
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Speaker 5: last five years. When you graduate, I think you're on

375
00:16:16,960 --> 00:16:19,600
Speaker 5: about fifty seven thousand, like, which is not a lot

376
00:16:19,600 --> 00:16:21,360
Speaker 5: of money compared to like my friends.

377
00:16:21,040 --> 00:16:23,680
Speaker 4: That finish med school and thereon, they.

378
00:16:23,560 --> 00:16:25,040
Speaker 5: Can be close to double that as soon as you

379
00:16:25,120 --> 00:16:27,760
Speaker 5: come out. So in that way, it's quite taxing as well,

380
00:16:27,840 --> 00:16:31,360
Speaker 5: especially like living in Sydney, so everything's way more expensive now.

381
00:16:31,800 --> 00:16:34,120
Speaker 5: It's also it costs a lot of money just to

382
00:16:34,240 --> 00:16:37,400
Speaker 5: keep up, like to keep up with continuing education. I

383
00:16:37,440 --> 00:16:39,800
Speaker 5: think it's spent about seven thousand last year and that

384
00:16:39,920 --> 00:16:42,480
Speaker 5: was a minimum on CPD points and things like that.

385
00:16:42,800 --> 00:16:45,840
Speaker 5: But like I said, I do absolutely love it, and

386
00:16:45,960 --> 00:16:49,160
Speaker 5: there's there's definitely places you can progress your career. And

387
00:16:49,480 --> 00:16:51,400
Speaker 5: I actually don't like working with the young cute dogs.

388
00:16:51,400 --> 00:16:53,000
Speaker 5: I like working with the old crossy ones. It's my

389
00:16:53,040 --> 00:16:54,680
Speaker 5: area that I want to specialize in.

390
00:16:55,160 --> 00:16:58,040
Speaker 1: Oh, dogs are more special though I am convinced like

391
00:16:58,080 --> 00:17:01,240
Speaker 1: there's something so wholesome and space about an old baby.

392
00:17:01,480 --> 00:17:03,400
Speaker 5: I just love it because everyone in the ear like

393
00:17:03,440 --> 00:17:05,640
Speaker 5: when they transferred to me in the specialist department, they'll

394
00:17:05,680 --> 00:17:07,119
Speaker 5: give me the old crosses because that's.

395
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Speaker 4: All I want to deal with.

396
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Speaker 5: That's actually where I've taken my new job with a

397
00:17:10,280 --> 00:17:12,560
Speaker 5: Paletti of care business as well in Sydney.

398
00:17:12,640 --> 00:17:15,240
Speaker 1: So oh my gosh, that's so wholesome.

399
00:17:15,680 --> 00:17:18,399
Speaker 5: We'll go around to people's house, isn't either. It sounds

400
00:17:18,400 --> 00:17:20,639
Speaker 5: really depressing, but it's quite nice. I actually put their

401
00:17:20,640 --> 00:17:24,200
Speaker 5: dogs down at home around their family, or perform paliative care.

402
00:17:24,080 --> 00:17:26,479
Speaker 4: Practices at times they don't have to come into the clinic.

403
00:17:26,560 --> 00:17:29,159
Speaker 4: But yeah, no, I love. I did not see my

404
00:17:29,200 --> 00:17:30,399
Speaker 4: career going in that direction at all.

405
00:17:30,440 --> 00:17:32,399
Speaker 5: I thought I just wanted to be a general practice

406
00:17:32,440 --> 00:17:34,800
Speaker 5: that or even work with cows. I didn't actually think

407
00:17:34,840 --> 00:17:37,640
Speaker 5: I'd be ending up working with old crossings. But yeah,

408
00:17:37,640 --> 00:17:39,120
Speaker 5: that's where my career is safe in me at the moment,

409
00:17:39,119 --> 00:17:40,560
Speaker 5: and I'm absolutely loving it.

410
00:17:41,000 --> 00:17:43,680
Speaker 4: But yeah, like every job, it's got a substance down.

411
00:17:44,560 --> 00:17:47,160
Speaker 1: How do you deal with that mentally? Because I actually

412
00:17:47,200 --> 00:17:50,439
Speaker 1: think that that is it's a really special position to

413
00:17:50,480 --> 00:17:53,840
Speaker 1: be in. Having had pets that I have had to

414
00:17:54,000 --> 00:17:57,359
Speaker 1: put to sleep before, it is heartbreaking and one of

415
00:17:57,359 --> 00:18:00,159
Speaker 1: the hardest things ever. And you know, the idea that

416
00:18:00,200 --> 00:18:01,720
Speaker 1: you can do it at home, I don't think was

417
00:18:01,760 --> 00:18:04,520
Speaker 1: an option available to us when we did that. I

418
00:18:04,560 --> 00:18:07,240
Speaker 1: remember our first dog had to be put to sleep

419
00:18:07,280 --> 00:18:10,600
Speaker 1: on Christmas Eve one year when I was twelve, and

420
00:18:10,640 --> 00:18:13,560
Speaker 1: it was heartbreaking. And now I can't drive past that

421
00:18:13,680 --> 00:18:15,960
Speaker 1: vet without thinking of it. And it just wasn't this

422
00:18:16,520 --> 00:18:19,960
Speaker 1: you know, experience that you know she deserved. And I

423
00:18:20,000 --> 00:18:21,919
Speaker 1: mean she had the best life ever, right like she

424
00:18:22,080 --> 00:18:24,199
Speaker 1: was Milo the dog. She was the best thing that

425
00:18:24,240 --> 00:18:26,800
Speaker 1: ever happened to my family. She existed in the family

426
00:18:26,880 --> 00:18:29,119
Speaker 1: before I did, and then she passed away when I

427
00:18:29,119 --> 00:18:31,760
Speaker 1: would have been at high school, right like she had

428
00:18:31,800 --> 00:18:35,199
Speaker 1: a legacy. But I feel like being able to do

429
00:18:35,240 --> 00:18:37,320
Speaker 1: that in people's homes is so special, But that would

430
00:18:37,359 --> 00:18:39,639
Speaker 1: take such a toll for me, Like how do you

431
00:18:39,720 --> 00:18:42,160
Speaker 1: deal with that and how do you look after yourself

432
00:18:42,200 --> 00:18:43,200
Speaker 1: in a role like this?

433
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Speaker 5: Well, I feel like that's the It's like again, it

434
00:18:48,680 --> 00:18:51,639
Speaker 5: sounds really funny, but it's I was talking to someone

435
00:18:51,840 --> 00:18:54,640
Speaker 5: calling about this the other day actually, and that kind

436
00:18:54,680 --> 00:18:57,560
Speaker 5: of things actually called it filling my vet cup. Because

437
00:18:57,560 --> 00:19:01,439
Speaker 5: the families are so grateful in most cases, beautiful family,

438
00:19:02,080 --> 00:19:05,119
Speaker 5: Like in your situation, it's usually you know, the family's

439
00:19:05,440 --> 00:19:09,360
Speaker 5: first baby that they're putting down and they're just very appreciative.

440
00:19:09,400 --> 00:19:11,240
Speaker 4: And if it's like a pallid.

441
00:19:10,960 --> 00:19:13,680
Speaker 5: Care type consult at least we know that we're making

442
00:19:13,720 --> 00:19:16,000
Speaker 5: a plan and making the animal most comfortable and doing

443
00:19:16,040 --> 00:19:18,600
Speaker 5: the most the most respectful thing we can for them.

444
00:19:19,040 --> 00:19:21,359
Speaker 5: Same when it comes to euthanasia, because so we obviously

445
00:19:21,560 --> 00:19:23,680
Speaker 5: I will go out or even in the clinic, will

446
00:19:23,720 --> 00:19:25,680
Speaker 5: tell them if it's you know, we think it's actually

447
00:19:25,720 --> 00:19:27,159
Speaker 5: a time because we have to be an advocate for

448
00:19:27,200 --> 00:19:27,600
Speaker 5: the animal.

449
00:19:28,000 --> 00:19:28,960
Speaker 4: It's all about mindset.

450
00:19:29,000 --> 00:19:31,560
Speaker 5: I really don't mind doing it if I think it's

451
00:19:31,680 --> 00:19:33,640
Speaker 5: genuinely the best decision for.

452
00:19:33,640 --> 00:19:36,560
Speaker 4: Both the animal and for the client. Especially it sounds

453
00:19:36,640 --> 00:19:36,920
Speaker 4: like bad.

454
00:19:37,040 --> 00:19:39,560
Speaker 5: Money obviously comes into it a lot, especially working in

455
00:19:39,600 --> 00:19:43,439
Speaker 5: a specialist clinic. Some animals, some treatments cost tens of

456
00:19:43,440 --> 00:19:44,560
Speaker 5: thousands of dollars, and.

457
00:19:44,600 --> 00:19:47,120
Speaker 4: People course can't afford that, especially in this day and age.

458
00:19:47,240 --> 00:19:48,960
Speaker 4: We're getting people that are taking loans out and I

459
00:19:49,040 --> 00:19:49,679
Speaker 4: don't I don't like.

460
00:19:49,680 --> 00:19:51,720
Speaker 5: To see the clients in that position either where they

461
00:19:51,800 --> 00:19:53,800
Speaker 5: kind of compete themselves or they can't pay the rent.

462
00:19:54,359 --> 00:19:58,800
Speaker 4: If euthanasia is a feasible option. As bad as that sounds, Yeah,

463
00:19:58,960 --> 00:20:03,120
Speaker 4: and as for keeping myself and my mental health under control,

464
00:20:03,280 --> 00:20:05,320
Speaker 4: I feel like doing the at home stuff.

465
00:20:06,240 --> 00:20:08,480
Speaker 5: It fills my cup because we're doing something really sweet

466
00:20:08,520 --> 00:20:10,520
Speaker 5: for the family, and most animals hate going to the

467
00:20:10,600 --> 00:20:13,000
Speaker 5: vets anyway, especially when they get to fifteen and they're

468
00:20:13,000 --> 00:20:14,280
Speaker 5: in pain and they're.

469
00:20:15,600 --> 00:20:18,919
Speaker 4: Experiences at the vet before, whereas doing.

470
00:20:18,640 --> 00:20:21,119
Speaker 5: A lot of my normal everyday work doesn't because I

471
00:20:21,280 --> 00:20:23,000
Speaker 5: just get a lot of abusive clients as that as

472
00:20:23,040 --> 00:20:25,240
Speaker 5: it sounds just because of the money started thing and

473
00:20:25,880 --> 00:20:28,320
Speaker 5: just the nature of the practice that I'm in, So

474
00:20:29,480 --> 00:20:32,000
Speaker 5: it sounds awful, But when I explain it to people,

475
00:20:32,040 --> 00:20:35,040
Speaker 5: I get they generally understand where I'm coming from.

476
00:20:35,200 --> 00:20:37,320
Speaker 4: So if you just have to put yourself in that position.

477
00:20:37,000 --> 00:20:39,359
Speaker 1: Yourself, yeah, it doesn't mean that you love doing it,

478
00:20:39,400 --> 00:20:41,320
Speaker 1: but I think that getting the best outcome for the

479
00:20:41,359 --> 00:20:44,080
Speaker 1: animal and the family, like that's, you know, at the

480
00:20:44,160 --> 00:20:46,119
Speaker 1: end of the day, a dream role. And I just

481
00:20:46,400 --> 00:20:48,000
Speaker 1: I don't know, I've got a lot to say about

482
00:20:48,000 --> 00:20:50,200
Speaker 1: that space because I just think that humans should be

483
00:20:50,240 --> 00:20:53,600
Speaker 1: extended that same grace. But we won't go down that

484
00:20:53,680 --> 00:20:57,880
Speaker 1: path at this time. I want to pivot the conversation. Actually,

485
00:20:58,080 --> 00:21:01,200
Speaker 1: you said something at the very beginning of our conversation.

486
00:21:01,800 --> 00:21:04,320
Speaker 1: You grew up as a twin and you felt like

487
00:21:04,560 --> 00:21:07,800
Speaker 1: it will feel like you're always competing against your twin.

488
00:21:08,520 --> 00:21:11,520
Speaker 1: And it's an interesting concept because we talk about it

489
00:21:11,560 --> 00:21:13,840
Speaker 1: on the podcast all the time, that comparison is the

490
00:21:13,880 --> 00:21:17,280
Speaker 1: thief of joy. But you've literally grown up with somebody

491
00:21:17,320 --> 00:21:21,360
Speaker 1: who's basically cut paste of you. I'm assuming and watching

492
00:21:21,400 --> 00:21:24,920
Speaker 1: them flourish might not be the easiest thing to do.

493
00:21:25,000 --> 00:21:27,920
Speaker 1: So can you talk us through what that's like and

494
00:21:28,560 --> 00:21:30,919
Speaker 1: why that's the case, because I feel like I've got

495
00:21:31,000 --> 00:21:34,200
Speaker 1: some choice words for you to stop doing that after this.

496
00:21:35,520 --> 00:21:35,920
Speaker 4: Yeah.

497
00:21:35,960 --> 00:21:39,919
Speaker 5: So, literally, if you have a kid, obviously, even to the

498
00:21:39,920 --> 00:21:41,600
Speaker 5: same primary school, we had all the same friends, be

499
00:21:42,560 --> 00:21:43,840
Speaker 5: just to people Cindy.

500
00:21:43,560 --> 00:21:46,439
Speaker 4: Suburb, so it was like from the get go. And

501
00:21:46,480 --> 00:21:46,960
Speaker 4: I think it's just.

502
00:21:46,960 --> 00:21:49,959
Speaker 5: Our personalities in the family we grew up in just

503
00:21:50,040 --> 00:21:54,600
Speaker 5: super competitive, whether it came to like just extracurricular activities

504
00:21:54,720 --> 00:21:57,480
Speaker 5: or school grades. Usually school grade when we were school age,

505
00:21:57,680 --> 00:21:59,560
Speaker 5: that was the main thing. Oh my gosh, I just

506
00:21:59,600 --> 00:22:02,560
Speaker 5: said a very bad memory of school. Actually, in our

507
00:22:02,720 --> 00:22:06,520
Speaker 5: hc SO year twelve, Dad put together this is probably

508
00:22:06,520 --> 00:22:09,240
Speaker 5: where some of my she's going from. Dad put together

509
00:22:09,320 --> 00:22:13,680
Speaker 5: a payment scheme depending on what a tire you got.

510
00:22:13,960 --> 00:22:15,879
Speaker 4: She's probably not the best thing you could do for

511
00:22:16,119 --> 00:22:16,360
Speaker 4: like a.

512
00:22:16,320 --> 00:22:21,240
Speaker 1: Young Oh, the pressure no dads.

513
00:22:20,520 --> 00:22:20,840
Speaker 4: I know.

514
00:22:21,320 --> 00:22:24,760
Speaker 5: So we both ended up splitting from our regular high schools,

515
00:22:24,800 --> 00:22:26,720
Speaker 5: which didn't solve a lot of issues because then we

516
00:22:26,720 --> 00:22:29,439
Speaker 5: weren't constantly competing against each other at school, and obviously

517
00:22:29,480 --> 00:22:30,639
Speaker 5: we're both quite academic.

518
00:22:31,160 --> 00:22:33,040
Speaker 4: So she went to our local selective school.

519
00:22:33,080 --> 00:22:36,520
Speaker 5: I went to one out west, and my school actually

520
00:22:36,600 --> 00:22:39,600
Speaker 5: ranked better. We played the HC game a little bit,

521
00:22:39,840 --> 00:22:43,479
Speaker 5: and I obviously got better marks probably well.

522
00:22:43,520 --> 00:22:45,000
Speaker 4: I did well in some of my very well in

523
00:22:45,040 --> 00:22:46,200
Speaker 4: some of my subjects.

524
00:22:45,840 --> 00:22:47,480
Speaker 5: But I probably got a lot of good My ati

525
00:22:47,560 --> 00:22:49,080
Speaker 5: in general was better just because at.

526
00:22:49,040 --> 00:22:50,560
Speaker 4: The school I went to, because.

527
00:22:50,320 --> 00:22:52,520
Speaker 5: It was ranked high, so I think everyone pulled my

528
00:22:52,560 --> 00:22:55,120
Speaker 5: marks up. So in that case, my sister probably got

529
00:22:55,119 --> 00:22:56,199
Speaker 5: ten points below me.

530
00:22:56,320 --> 00:22:58,560
Speaker 4: I think it ended up being and I don't.

531
00:22:58,320 --> 00:23:01,480
Speaker 5: Even think she made it technically onto dance scheme, which

532
00:23:01,560 --> 00:23:05,920
Speaker 5: was just awkward in general. So he literally for every mark,

533
00:23:06,040 --> 00:23:07,920
Speaker 5: he had a different amount of money than he would

534
00:23:07,920 --> 00:23:10,760
Speaker 5: pay us if we got that mark or if it

535
00:23:10,800 --> 00:23:12,679
Speaker 5: was over like ninety nine, he would buy us a

536
00:23:12,720 --> 00:23:16,159
Speaker 5: new car, which we both didn't achieve. But it's just

537
00:23:16,200 --> 00:23:19,120
Speaker 5: got a pressure growing up obviously, So that's my I mean,

538
00:23:19,280 --> 00:23:20,200
Speaker 5: this is my money.

539
00:23:20,000 --> 00:23:20,920
Speaker 4: Story as well.

540
00:23:21,040 --> 00:23:23,359
Speaker 1: Yeah, dad, we need to sit down and talk about

541
00:23:23,400 --> 00:23:25,960
Speaker 1: toxic behavior. We really need to have a chat. I'll

542
00:23:26,000 --> 00:23:27,439
Speaker 1: talk to him later, I know.

543
00:23:27,680 --> 00:23:28,639
Speaker 4: I mean it's only to be.

544
00:23:28,680 --> 00:23:31,000
Speaker 5: My psychologist is multiple times as well, because she's like,

545
00:23:31,040 --> 00:23:33,080
Speaker 5: that's that's not normal, and I'm like, oh, I'm weare

546
00:23:33,080 --> 00:23:33,600
Speaker 5: of it now.

547
00:23:34,080 --> 00:23:38,400
Speaker 1: That's a lot. I'm so sorry that was your experience. HC.

548
00:23:38,560 --> 00:23:39,680
Speaker 1: Or you're eleven twelve.

549
00:23:40,560 --> 00:23:42,240
Speaker 4: I can look back and laugh at it now, like

550
00:23:42,240 --> 00:23:44,119
Speaker 4: I no, it's it's not like that.

551
00:23:45,040 --> 00:23:47,280
Speaker 1: Yeah, but if you don't laugh, you'r criy. So I

552
00:23:47,320 --> 00:23:51,359
Speaker 1: feel like that circumstance like HC and you're eleven twelve

553
00:23:51,400 --> 00:23:54,720
Speaker 1: are just such traumatic periods of time as it is

554
00:23:54,760 --> 00:23:56,919
Speaker 1: like you are a teenager still you're a hormone or

555
00:23:56,920 --> 00:23:59,000
Speaker 1: you're putting so much pressure on yourself to pick a

556
00:23:59,080 --> 00:24:01,679
Speaker 1: career and how want would you know what career you

557
00:24:01,720 --> 00:24:04,159
Speaker 1: want to do if you're still a child, like you

558
00:24:04,200 --> 00:24:07,400
Speaker 1: don't know what these things are. So I just I'm

559
00:24:07,440 --> 00:24:10,760
Speaker 1: sorry that was your experience. But talk to me about

560
00:24:10,800 --> 00:24:13,800
Speaker 1: comparison as an adult, because I feel like as an adult,

561
00:24:14,240 --> 00:24:17,399
Speaker 1: like you are you and that is special And you

562
00:24:17,400 --> 00:24:19,960
Speaker 1: know you've said that you feel like a bit behind

563
00:24:20,160 --> 00:24:23,320
Speaker 1: from everybody else. But I just want to know how

564
00:24:23,359 --> 00:24:25,480
Speaker 1: we can move you away from this or what other

565
00:24:25,560 --> 00:24:27,840
Speaker 1: twins are thinking in these circumstances.

566
00:24:28,840 --> 00:24:31,280
Speaker 5: So, like I said, my sister, well, now she's in

567
00:24:31,320 --> 00:24:34,000
Speaker 5: London as paramedic and she's making very good money, especially

568
00:24:34,000 --> 00:24:37,560
Speaker 5: because they get a lot of overtime, whereas I spent

569
00:24:37,720 --> 00:24:40,160
Speaker 5: more than twice the emailt of time at Union. I'm

570
00:24:40,240 --> 00:24:43,800
Speaker 5: very dependent on my parents and at time and to

571
00:24:43,880 --> 00:24:46,080
Speaker 5: get literally to get by. Like I said, I really

572
00:24:46,080 --> 00:24:48,480
Speaker 5: don't have any savings at the moment because of all

573
00:24:48,520 --> 00:24:50,679
Speaker 5: the deaths that I have, but I can't help that.

574
00:24:51,040 --> 00:24:52,840
Speaker 4: So it's just it.

575
00:24:52,760 --> 00:24:55,080
Speaker 5: Gets very awkward when she's like, come and meet me

576
00:24:55,160 --> 00:24:58,359
Speaker 5: in Greece, and I'm like, we want money, and then

577
00:24:58,400 --> 00:25:00,000
Speaker 5: she's like, we'll pay for you, when I was like,

578
00:25:00,320 --> 00:25:02,320
Speaker 5: but then I'll own like five thousand dollars and I

579
00:25:02,720 --> 00:25:04,879
Speaker 5: just don't have the money to pay that back and

580
00:25:05,040 --> 00:25:06,040
Speaker 5: I don't want to do that.

581
00:25:05,960 --> 00:25:09,679
Speaker 4: To us either. And then oh, and then I've got obviously,

582
00:25:09,680 --> 00:25:12,119
Speaker 4: I've got my friends that are all the majority of

583
00:25:12,119 --> 00:25:12,680
Speaker 4: my friends.

584
00:25:12,480 --> 00:25:14,720
Speaker 5: Are teachers and nurses that they came out of UNI

585
00:25:14,760 --> 00:25:18,119
Speaker 5: a very similar time to her, and they're all pretty well,

586
00:25:18,119 --> 00:25:20,800
Speaker 5: at the stage where I think my girl group has

587
00:25:20,800 --> 00:25:25,520
Speaker 5: bought a house now and then probably half of them

588
00:25:25,560 --> 00:25:28,639
Speaker 5: now are getting engaged, some of them have babies, and

589
00:25:28,680 --> 00:25:32,040
Speaker 5: I'm obviously at a very very different time point in

590
00:25:32,119 --> 00:25:32,960
Speaker 5: my life.

591
00:25:33,040 --> 00:25:34,720
Speaker 4: To them at the moment.

592
00:25:34,800 --> 00:25:38,120
Speaker 5: Of course, it's obviously very difficult when they're talking about

593
00:25:38,160 --> 00:25:40,040
Speaker 5: buying houses. And I was like, I love all listening

594
00:25:40,040 --> 00:25:41,639
Speaker 5: to all these stuffs, but I listen to podcasts and

595
00:25:42,080 --> 00:25:44,320
Speaker 5: I love reading. I just love financings in general. But

596
00:25:44,359 --> 00:25:45,919
Speaker 5: I just know that it's going to be like a

597
00:25:45,960 --> 00:25:48,000
Speaker 5: good ten years before I'm in that position.

598
00:25:48,480 --> 00:25:50,560
Speaker 1: Yeah, And do you know what, that's okay? And I

599
00:25:50,600 --> 00:25:52,919
Speaker 1: think that that is a really hard position to be

600
00:25:53,000 --> 00:25:56,320
Speaker 1: in because in a way, you might assume or feel

601
00:25:56,440 --> 00:25:58,880
Speaker 1: that you all had exactly the same start point because

602
00:25:58,880 --> 00:26:01,359
Speaker 1: you're graduated from the same place and kind of have

603
00:26:01,480 --> 00:26:04,640
Speaker 1: been friends. I'm assuming that economically you probably have very

604
00:26:04,680 --> 00:26:08,440
Speaker 1: similar families and backgrounds and experiences. So that can make

605
00:26:08,560 --> 00:26:11,560
Speaker 1: us feel really behind. But I guarantee you there are

606
00:26:11,600 --> 00:26:13,960
Speaker 1: people listening to your story right now, going my gosh,

607
00:26:14,000 --> 00:26:15,520
Speaker 1: you's so far ahead. Oh my gosh, you went to

608
00:26:15,640 --> 00:26:19,240
Speaker 1: UNI for seven years, Like that's crazy. You mentioned before

609
00:26:19,280 --> 00:26:22,520
Speaker 1: that you're going to go on international externships, like are

610
00:26:22,560 --> 00:26:25,399
Speaker 1: you kidding? That is the dream, Like you are going

611
00:26:25,440 --> 00:26:28,920
Speaker 1: to be absolutely flying ahead of them in years to come,

612
00:26:29,000 --> 00:26:31,919
Speaker 1: because don't forget as a VET. As much as you

613
00:26:32,080 --> 00:26:35,240
Speaker 1: don't start at a high salary, there is absolutely so

614
00:26:35,359 --> 00:26:38,640
Speaker 1: much opportunity in the future. And it's not necessarily about

615
00:26:38,680 --> 00:26:40,800
Speaker 1: how much money you earn, but rather how happy you are.

616
00:26:41,119 --> 00:26:43,840
Speaker 1: And it's very, very hard to be a happy human

617
00:26:43,880 --> 00:26:46,480
Speaker 1: being if you're consistently looking at the happiness of other

618
00:26:46,520 --> 00:26:49,159
Speaker 1: people and going, oh, I can't be happy because I

619
00:26:49,200 --> 00:26:52,159
Speaker 1: don't have what they have. I think it's about a

620
00:26:52,160 --> 00:26:55,720
Speaker 1: little bit more self gratitude and looking internally and going, oh,

621
00:26:55,720 --> 00:26:58,000
Speaker 1: my gosh, I'm actually a really cool human, Like I've

622
00:26:58,000 --> 00:27:00,720
Speaker 1: paid off seventy thousand dollars worth of my help debt

623
00:27:00,840 --> 00:27:03,200
Speaker 1: or my own I killed it, Like, babe, that's more

624
00:27:03,520 --> 00:27:07,600
Speaker 1: than a house deposit for most people. Like you, you're

625
00:27:07,640 --> 00:27:10,240
Speaker 1: a very cool human doing very very cool things. And

626
00:27:10,280 --> 00:27:12,400
Speaker 1: I think you're giving yourself a little bit too much

627
00:27:12,480 --> 00:27:13,199
Speaker 1: undue pressure.

628
00:27:13,920 --> 00:27:16,040
Speaker 5: And I think the big thing is like like, because

629
00:27:16,040 --> 00:27:18,040
Speaker 5: my friends will listen to the podcast as well, and

630
00:27:18,480 --> 00:27:20,359
Speaker 5: so we all like we literally all listen to it.

631
00:27:20,400 --> 00:27:23,120
Speaker 5: And so we have these conversations and we talk very openly,

632
00:27:23,200 --> 00:27:27,280
Speaker 5: and I'll obviously openly expressing like a very freaking broken

633
00:27:27,400 --> 00:27:30,240
Speaker 5: moment just with the debts that I have to pay off.

634
00:27:30,280 --> 00:27:34,520
Speaker 5: But then they'll all obviously turn around and be like, doctor.

635
00:27:34,400 --> 00:27:37,720
Speaker 1: Yeah, you're a doctor, Like that's crazy, but I don't look.

636
00:27:37,560 --> 00:27:40,840
Speaker 5: At it like that obviously, So but they then they say,

637
00:27:41,560 --> 00:27:43,520
Speaker 5: you know, put me in my placement, but you're actually

638
00:27:44,280 --> 00:27:47,240
Speaker 5: doing big things, and residence is very hard to get,

639
00:27:48,000 --> 00:27:50,080
Speaker 5: especially in the early stage of your career. So I'm

640
00:27:50,080 --> 00:27:52,760
Speaker 5: doing I am doing well, but it's just hard to

641
00:27:52,800 --> 00:27:54,920
Speaker 5: obviously force myself to think like that.

642
00:27:55,520 --> 00:27:57,960
Speaker 1: Yeah, And I think that, you know, going back to

643
00:27:58,000 --> 00:27:59,840
Speaker 1: you saying that you're doing my budget and cash flow

644
00:27:59,880 --> 00:28:02,119
Speaker 1: my class, I think that maybe go back to that

645
00:28:02,359 --> 00:28:04,840
Speaker 1: and go resell all your values and your goals and

646
00:28:04,840 --> 00:28:08,320
Speaker 1: maybe pop some blinkers on and just focus on that

647
00:28:08,480 --> 00:28:11,119
Speaker 1: and what you're up to, and maybe put in place

648
00:28:11,480 --> 00:28:13,720
Speaker 1: not only a plan to achieve that, but a plan

649
00:28:13,800 --> 00:28:16,480
Speaker 1: to celebrate the small things, like what are you going

650
00:28:16,520 --> 00:28:18,760
Speaker 1: to do when you pay off your four thousand dollars

651
00:28:18,800 --> 00:28:20,440
Speaker 1: worth of credit card debt? Like are you going to

652
00:28:20,520 --> 00:28:23,439
Speaker 1: celebrate like are you going to, you know, give yourself

653
00:28:23,440 --> 00:28:25,119
Speaker 1: a pat on the back. What does that look like?

654
00:28:25,320 --> 00:28:28,200
Speaker 1: Because as much as you feel like these are small things,

655
00:28:28,240 --> 00:28:30,760
Speaker 1: when quote other people are doing better, bigger things and

656
00:28:30,840 --> 00:28:33,800
Speaker 1: half your friends group has a house already, like these

657
00:28:33,840 --> 00:28:37,400
Speaker 1: things are actually massive. Like these things are huge deals,

658
00:28:37,440 --> 00:28:40,280
Speaker 1: and we need to celebrate them because it is really impressive.

659
00:28:40,320 --> 00:28:43,120
Speaker 1: It is really important, and I just can't wait to

660
00:28:43,160 --> 00:28:46,400
Speaker 1: see you in three, five, ten years absolutely killing it

661
00:28:46,440 --> 00:28:49,520
Speaker 1: going Victoria, I don't know what I was talking about. Like,

662
00:28:50,040 --> 00:28:52,680
Speaker 1: I am a doctor, I am doing this stuff. I've

663
00:28:52,680 --> 00:28:56,520
Speaker 1: done international externships and like that is very cool. Like

664
00:28:56,880 --> 00:28:58,840
Speaker 1: before I leave you, though, I want to know when

665
00:28:58,840 --> 00:29:01,680
Speaker 1: you get back from your internettional externships, like what kind

666
00:29:01,680 --> 00:29:04,160
Speaker 1: of jobs will you be able to take on and

667
00:29:04,240 --> 00:29:06,560
Speaker 1: do and what does that actually look like for you?

668
00:29:06,640 --> 00:29:08,880
Speaker 4: So I've got a nice little timeline.

669
00:29:09,040 --> 00:29:11,920
Speaker 1: See she's got a plan, she's probably got a spreadsheet.

670
00:29:12,000 --> 00:29:14,000
Speaker 5: I mean, I found a six year contract, so it's

671
00:29:14,040 --> 00:29:17,720
Speaker 5: already in me. I'm still in the same place. But

672
00:29:18,560 --> 00:29:21,320
Speaker 5: so I do my residency. In that residency, I do

673
00:29:21,400 --> 00:29:25,080
Speaker 5: my externship, and what I do is I complete it.

674
00:29:25,280 --> 00:29:26,600
Speaker 4: Then I'm a registrar for a.

675
00:29:26,520 --> 00:29:29,240
Speaker 5: Few years and I do lots of study, lots and

676
00:29:29,240 --> 00:29:32,320
Speaker 5: lots of extra study, sit my fellowship exams, and once

677
00:29:32,360 --> 00:29:35,520
Speaker 5: I've finished that, so that's in about five to six years,

678
00:29:35,560 --> 00:29:39,040
Speaker 5: i'll probably sit my fellowship exams. When I'm accepted to

679
00:29:39,160 --> 00:29:42,479
Speaker 5: the college, I'm going to be a small animal internal

680
00:29:42,520 --> 00:29:43,600
Speaker 5: medicine specialist.

681
00:29:43,960 --> 00:29:45,640
Speaker 4: Wow, I'm lucky because I've.

682
00:29:45,480 --> 00:29:49,400
Speaker 5: Got some supervisors that are very keen on my ideas.

683
00:29:49,680 --> 00:29:52,560
Speaker 5: I actually want to be a geriatrician for animals, which

684
00:29:52,600 --> 00:29:54,800
Speaker 5: isn't a thing yet, but I feel like in.

685
00:29:54,760 --> 00:29:56,360
Speaker 4: The future it needs to be. I think we do

686
00:29:56,400 --> 00:29:57,280
Speaker 4: it in people, why.

687
00:29:57,200 --> 00:29:59,320
Speaker 5: Wouldn't we do it in animals, especially when we can

688
00:29:59,440 --> 00:30:00,440
Speaker 5: keep them alive longer.

689
00:30:01,000 --> 00:30:06,200
Speaker 4: So five or six years, hopefully one of Australia's first juristricians.

690
00:30:06,240 --> 00:30:07,720
Speaker 4: But old doggos, that's the plan.

691
00:30:07,880 --> 00:30:11,040
Speaker 1: Oh my gosh, that is so wholesome and so special.

692
00:30:11,280 --> 00:30:14,840
Speaker 1: But also look at that career trajectory, like that is

693
00:30:15,160 --> 00:30:18,120
Speaker 1: so cool to have that clarity. I need you to

694
00:30:18,200 --> 00:30:20,880
Speaker 1: give yourself a little bit more credit, my friend, Like

695
00:30:20,960 --> 00:30:23,720
Speaker 1: I feel like you are not giving yourself nearly enough.

696
00:30:24,320 --> 00:30:25,920
Speaker 5: Yeah, I feel like sometimes I just need to step

697
00:30:25,920 --> 00:30:28,200
Speaker 5: back and be like, you know what, I've actually I

698
00:30:28,280 --> 00:30:30,320
Speaker 5: have achieved a lot in twenty seven.

699
00:30:30,200 --> 00:30:35,280
Speaker 1: Years, absolutely have. I'm so impressed by you and so

700
00:30:35,440 --> 00:30:38,200
Speaker 1: proud of what you've done already and cannot wait to

701
00:30:38,240 --> 00:30:40,520
Speaker 1: see where you're going. Oh I wish we had more

702
00:30:40,560 --> 00:30:43,040
Speaker 1: time to keep talking, but my love, I think that

703
00:30:43,040 --> 00:30:45,520
Speaker 1: that is all we have time for today. So thank

704
00:30:45,560 --> 00:30:47,640
Speaker 1: you so much for coming on the show and sharing

705
00:30:47,680 --> 00:30:50,440
Speaker 1: your story and being a part of our little family

706
00:30:50,480 --> 00:30:52,680
Speaker 1: here at Cheese on the Money. I am honestly so

707
00:30:52,720 --> 00:30:54,320
Speaker 1: grateful and so in awe of you.

708
00:30:54,600 --> 00:30:56,600
Speaker 4: Thank you so much. It's been so good.

709
00:31:03,280 --> 00:31:05,800
Speaker 1: The advice shared on She's on the Money is general

710
00:31:05,880 --> 00:31:09,720
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711
00:31:09,800 --> 00:31:13,240
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712
00:31:13,280 --> 00:31:16,440
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713
00:31:16,840 --> 00:31:19,280
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714
00:31:19,280 --> 00:31:23,400
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715
00:31:23,480 --> 00:31:26,760
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