1 00:00:00,200 --> 00:00:03,240 Speaker 1: My name's Aatasha Bamblet. I'm a proud First Nations woman 2 00:00:03,600 --> 00:00:08,600 Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana, 3 00:00:08,680 --> 00:00:11,920 Speaker 1: kaka ya Ya bin Ahaka Nian our gay In Mbina, 4 00:00:11,960 --> 00:00:17,840 Speaker 1: yakarum Jar, Dominyama, Domaghawakaman, damon Imlan Bomber bang Gadabomba in 5 00:00:17,920 --> 00:00:22,439 Speaker 1: and now in wakah ghana on yak rum jar Watnadaa. Hello, 6 00:00:22,520 --> 00:00:25,960 Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people. 7 00:00:26,360 --> 00:00:29,080 Speaker 1: We thank acknowledge and respect the Abigin people's land that 8 00:00:29,120 --> 00:00:31,920 Speaker 1: we're gathering on today. Take pleasure in all the land 9 00:00:32,080 --> 00:00:35,360 Speaker 1: and respect all that you see. She's on the Money 10 00:00:35,360 --> 00:00:42,040 Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools, 11 00:00:42,400 --> 00:00:44,600 Speaker 1: knowledge and resources for you to thrive. 12 00:00:44,880 --> 00:01:04,120 Speaker 2: She's on the Money. She's on the Money. 13 00:01:07,800 --> 00:01:10,920 Speaker 3: Hello, and welcome to She's on the Money, the podcast 14 00:01:10,920 --> 00:01:13,520 Speaker 3: that lets you be pervy about other people's money. 15 00:01:13,240 --> 00:01:15,600 Speaker 4: Habits for educational purposes, of course. 16 00:01:15,959 --> 00:01:18,440 Speaker 3: Welcome back to another one of our Money Daries episodes 17 00:01:18,480 --> 00:01:20,920 Speaker 3: where I get the absolute pleasure of sitting down and 18 00:01:20,959 --> 00:01:23,000 Speaker 3: having a chat with one of our beautiful She's on 19 00:01:23,040 --> 00:01:24,880 Speaker 3: the Money community members all. 20 00:01:24,720 --> 00:01:25,880 Speaker 4: About their money habits. 21 00:01:26,280 --> 00:01:28,440 Speaker 3: Let's jump straight into it, because this week I got 22 00:01:28,440 --> 00:01:32,320 Speaker 3: a message and it sounded exactly like this, dear, she's 23 00:01:32,360 --> 00:01:34,679 Speaker 3: on the money. I'm a mom of two who launched 24 00:01:34,680 --> 00:01:38,200 Speaker 3: a small business just two weeks ago. The journey to 25 00:01:38,280 --> 00:01:42,840 Speaker 3: launching this company has been wild. We lost seventeen thousand 26 00:01:42,840 --> 00:01:45,319 Speaker 3: dollars to a sourcing agency, had to take out a 27 00:01:45,319 --> 00:01:48,840 Speaker 3: loan on our home, turned to family, and somehow managed 28 00:01:48,840 --> 00:01:52,360 Speaker 3: to raise two hundred thousand dollars to build the business 29 00:01:52,640 --> 00:01:56,040 Speaker 3: without investors. There's a big gap in the market, and 30 00:01:56,160 --> 00:01:58,240 Speaker 3: I'm on a mission to blow. 31 00:01:57,920 --> 00:01:59,080 Speaker 4: Up this space. 32 00:01:59,280 --> 00:02:01,640 Speaker 3: Oh my god, I cannot wait for this to blow 33 00:02:01,720 --> 00:02:03,360 Speaker 3: up and then me call you back in like a 34 00:02:03,440 --> 00:02:05,279 Speaker 3: year or two and can you come back on my podcast, 35 00:02:05,320 --> 00:02:08,079 Speaker 3: and then maybe to be too popular for me. So 36 00:02:08,520 --> 00:02:13,079 Speaker 3: I'm so excited, Money Diarist, Before I ask any more 37 00:02:13,080 --> 00:02:15,799 Speaker 3: gritty questions, what grade would you give you money habits 38 00:02:15,800 --> 00:02:17,080 Speaker 3: if I asked you to give them a grade from 39 00:02:17,120 --> 00:02:17,639 Speaker 3: A three to. 40 00:02:17,680 --> 00:02:20,560 Speaker 5: F, Oh, I'd give it a C A C. 41 00:02:21,680 --> 00:02:22,120 Speaker 4: I don't know. 42 00:02:22,360 --> 00:02:25,320 Speaker 3: You've seen pretty money savvy from that story. Let's learn 43 00:02:25,360 --> 00:02:27,799 Speaker 3: more about it. Tell me about your money story, Tell 44 00:02:27,800 --> 00:02:28,520 Speaker 3: me about your business. 45 00:02:28,600 --> 00:02:29,480 Speaker 4: Tell me about your life. 46 00:02:29,680 --> 00:02:32,840 Speaker 5: Yes, So I was a videographer for like ten years, 47 00:02:33,000 --> 00:02:36,799 Speaker 5: and I built that business from absolute scratch. I borrowed 48 00:02:36,800 --> 00:02:40,680 Speaker 5: money back then ten years ago from my mom to 49 00:02:40,720 --> 00:02:43,360 Speaker 5: buy all the equipment that I needed. I basically worked 50 00:02:43,360 --> 00:02:45,200 Speaker 5: for free for like a year and a half, built 51 00:02:45,280 --> 00:02:47,320 Speaker 5: up a little bit of a name in the videography world, 52 00:02:47,760 --> 00:02:51,160 Speaker 5: smashed it for ten years, bought a house, car, had kids. 53 00:02:51,240 --> 00:02:51,840 Speaker 4: Look at you. 54 00:02:52,160 --> 00:02:54,840 Speaker 5: We did it. We did incredible. I'm very proud of 55 00:02:55,480 --> 00:02:58,280 Speaker 5: what we achieved. Then my husband's also like a video editor, 56 00:02:58,400 --> 00:03:02,680 Speaker 5: so it just really flowed really well. Then I had 57 00:03:02,800 --> 00:03:06,400 Speaker 5: this idea from being a videographer to start this new 58 00:03:06,440 --> 00:03:10,120 Speaker 5: business and I found a real, like real good niche 59 00:03:10,120 --> 00:03:13,080 Speaker 5: in the market, and I invented a product that literally 60 00:03:13,680 --> 00:03:14,480 Speaker 5: did not exist. 61 00:03:14,800 --> 00:03:16,480 Speaker 4: I love this, and you can be so like. 62 00:03:16,520 --> 00:03:18,359 Speaker 3: I don't want to be too pervy, because like these 63 00:03:18,400 --> 00:03:21,040 Speaker 3: are meant to be anonymous, But if you're comfy saying it, 64 00:03:21,120 --> 00:03:23,359 Speaker 3: I'm comfy sharing it. I don't want you to think 65 00:03:23,360 --> 00:03:25,679 Speaker 3: that you can't do a little shameless self promoted the 66 00:03:25,680 --> 00:03:27,440 Speaker 3: ses on the money community a little. 67 00:03:27,280 --> 00:03:30,360 Speaker 5: Bit of a self promot. Well, I basically invented the 68 00:03:30,400 --> 00:03:33,600 Speaker 5: world's first iPhone case for the built in fully tiltable 69 00:03:33,600 --> 00:03:36,280 Speaker 5: stand and it's designed content creators. 70 00:03:36,360 --> 00:03:38,080 Speaker 4: Yeah that's crazy. 71 00:03:38,360 --> 00:03:43,080 Speaker 5: How So it's literally like imagine a beautiful normal silicon 72 00:03:43,320 --> 00:03:47,960 Speaker 5: iPhone case, very trendy, lush, and then on the sides 73 00:03:48,200 --> 00:03:52,600 Speaker 5: is basically like a stand that swings forwards and that 74 00:03:52,720 --> 00:03:54,720 Speaker 5: so you can take any anger course three hundred and 75 00:03:54,760 --> 00:03:57,040 Speaker 5: sixty degrees around the phone. And it's built into the 76 00:03:57,080 --> 00:03:59,640 Speaker 5: case so you don't have to like use tripods or 77 00:03:59,680 --> 00:04:02,080 Speaker 5: like magnetic things that you're going to forget. Like it's 78 00:04:02,120 --> 00:04:05,320 Speaker 5: literally built and you prop it up anywhere, anytime. And 79 00:04:05,400 --> 00:04:08,840 Speaker 5: actually it was definitely designed with content creer. Oh my god, 80 00:04:08,880 --> 00:04:12,880 Speaker 5: look you're a little tripod thing. Yeah, I'll send you tripod. 81 00:04:12,960 --> 00:04:14,480 Speaker 4: No, no, no, I will buy one from you. 82 00:04:14,520 --> 00:04:17,000 Speaker 3: I'm not taking your free shit, thank you, though I 83 00:04:17,040 --> 00:04:20,560 Speaker 3: appreciate it. I'm holding up a very dodgy looking iPhone 84 00:04:20,600 --> 00:04:23,039 Speaker 3: stand that I sadly use. 85 00:04:23,120 --> 00:04:23,800 Speaker 4: On the daily. 86 00:04:24,080 --> 00:04:26,320 Speaker 5: I will. I've got you key a little. 87 00:04:26,120 --> 00:04:29,160 Speaker 3: Bit embarrassing, but it sounds like you have it sorted. 88 00:04:29,480 --> 00:04:32,160 Speaker 3: And yes, that's quite a niche, but like people want that. 89 00:04:32,240 --> 00:04:34,440 Speaker 3: Every man in his dog these days is becoming a 90 00:04:34,480 --> 00:04:37,160 Speaker 3: content creator, and you want the stuff in your pocket, 91 00:04:37,320 --> 00:04:39,920 Speaker 3: Like you don't want to be lugging around a tripod 92 00:04:40,320 --> 00:04:42,719 Speaker 3: and also I don't want to be seen carrying a tripod. 93 00:04:43,320 --> 00:04:46,040 Speaker 5: Everyone say it's like, you know, imagine a moment's happening, 94 00:04:46,160 --> 00:04:48,280 Speaker 5: like out with your kids or you're in the street, 95 00:04:48,480 --> 00:04:50,560 Speaker 5: or like, I was not that person that was going 96 00:04:50,600 --> 00:04:52,160 Speaker 5: to set up a tripod in the middle of the 97 00:04:52,200 --> 00:04:53,320 Speaker 5: street to capture myself. 98 00:04:53,320 --> 00:04:56,040 Speaker 4: And you're a videographer as well, so if anyone would have, 99 00:04:56,120 --> 00:04:56,839 Speaker 4: it would have been you. 100 00:04:56,920 --> 00:05:00,440 Speaker 5: That's it. And also like I'm like, I feel it's 101 00:05:00,480 --> 00:05:03,720 Speaker 5: nowadays like all this organic content that really converts and 102 00:05:03,760 --> 00:05:06,160 Speaker 5: that it tells a story and so if you take 103 00:05:06,200 --> 00:05:08,440 Speaker 5: five ten minutes to set up the shot, the moments 104 00:05:08,440 --> 00:05:11,359 Speaker 5: over like and actually I'm finding that lords of moms 105 00:05:11,360 --> 00:05:14,440 Speaker 5: are using it for like recipes or listening to podcasts or. 106 00:05:14,480 --> 00:05:15,400 Speaker 4: That's so smart. 107 00:05:15,440 --> 00:05:18,040 Speaker 3: I'm always propping my phone up on a drink so 108 00:05:18,080 --> 00:05:19,919 Speaker 3: that I can see my tiktoks while I do my 109 00:05:20,040 --> 00:05:22,080 Speaker 3: makeup doom scrolling. 110 00:05:22,200 --> 00:05:24,600 Speaker 5: It's perfect for that whatever you need to do. Like, 111 00:05:25,120 --> 00:05:28,880 Speaker 5: it's a really good invention and I'm so proud of it, 112 00:05:28,960 --> 00:05:30,599 Speaker 5: but it has well done. 113 00:05:30,640 --> 00:05:32,680 Speaker 4: I'm so excited for you. 114 00:05:33,000 --> 00:05:36,880 Speaker 5: It's definitely it's cost us. Oh my god, we're more 115 00:05:37,200 --> 00:05:38,680 Speaker 5: than what we ever imagined. 116 00:05:39,000 --> 00:05:41,839 Speaker 4: And it's always the way with business, isn't it. 117 00:05:41,839 --> 00:05:42,360 Speaker 5: It's a lot. 118 00:05:42,520 --> 00:05:45,280 Speaker 3: Oh my gosh. So tell me a bit more. So 119 00:05:45,320 --> 00:05:47,360 Speaker 3: you've still started your business. But what are you and 120 00:05:47,400 --> 00:05:50,360 Speaker 3: your partner doing right now for work? And what amount 121 00:05:50,360 --> 00:05:51,240 Speaker 3: of money are you earning? 122 00:05:51,360 --> 00:05:54,520 Speaker 5: Yeah, so at the moment, obviously we launched officially launched 123 00:05:54,520 --> 00:05:58,320 Speaker 5: our company two weeks ago, so obviously we're getting sales 124 00:05:58,360 --> 00:05:59,599 Speaker 5: from that. We'll get into that. 125 00:05:59,640 --> 00:06:02,200 Speaker 4: I'm sure you're already getting sales from this product. 126 00:06:02,360 --> 00:06:05,359 Speaker 5: Yeah, we're getting like stop hair coverage, like six to 127 00:06:05,440 --> 00:06:06,839 Speaker 5: eight a day at the minute. 128 00:06:07,000 --> 00:06:07,560 Speaker 4: Stop hair. 129 00:06:07,880 --> 00:06:08,360 Speaker 5: Is that good? 130 00:06:08,440 --> 00:06:10,360 Speaker 4: I'm so proud of you, and I've had nothing to 131 00:06:10,400 --> 00:06:11,960 Speaker 4: do with this. It's that good. 132 00:06:12,880 --> 00:06:15,400 Speaker 3: What do you mean is that good? Most people launch 133 00:06:15,440 --> 00:06:17,400 Speaker 3: their small business and have no sales. 134 00:06:17,680 --> 00:06:20,960 Speaker 5: Well, you know, you see all these success stories and 135 00:06:21,000 --> 00:06:23,320 Speaker 5: I'm on TikTok and we slow down on twenty four 136 00:06:23,360 --> 00:06:25,240 Speaker 5: hours and I'm like, oh my god, is this good? 137 00:06:25,320 --> 00:06:25,720 Speaker 5: Is it not? 138 00:06:25,839 --> 00:06:27,599 Speaker 4: No, that's not normal. That's not normal. 139 00:06:27,640 --> 00:06:30,279 Speaker 3: And you know what I've found over the years is 140 00:06:30,320 --> 00:06:32,840 Speaker 3: I see that content it's a little bit click baity 141 00:06:33,240 --> 00:06:35,000 Speaker 3: and you look at their stuff and you go, that 142 00:06:35,040 --> 00:06:37,440 Speaker 3: can't be right. And I'm such a skeptic, right, like 143 00:06:37,520 --> 00:06:40,240 Speaker 3: I will snoop on you, like not you pe particularly, 144 00:06:40,360 --> 00:06:42,360 Speaker 3: but like I'll snoop on stuff. If you're big noting 145 00:06:42,400 --> 00:06:44,760 Speaker 3: yourself on TikTok, you've opened yourself up for me to 146 00:06:45,000 --> 00:06:47,720 Speaker 3: absolutely look through your website. Sorry you did that to yourselves, 147 00:06:48,080 --> 00:06:51,159 Speaker 3: And I go, you didn't sell out in the first thing. 148 00:06:51,240 --> 00:06:54,880 Speaker 3: In fact, you've quote launched six times, Like what is 149 00:06:54,920 --> 00:06:58,440 Speaker 3: going on here? People just want that, And there is 150 00:06:58,480 --> 00:07:01,520 Speaker 3: this like it's like a I don't know, bandwag anything. 151 00:07:01,560 --> 00:07:03,840 Speaker 3: Like if you tell someone, oh my god, we sold out, 152 00:07:04,200 --> 00:07:06,920 Speaker 3: they automatically feel like they missed out. So it's also 153 00:07:06,960 --> 00:07:10,320 Speaker 3: a marketing strategy, like I have seen people put like 154 00:07:10,600 --> 00:07:11,600 Speaker 3: even on their website. 155 00:07:11,640 --> 00:07:14,240 Speaker 4: Right. So let's let's say you have like fifty. 156 00:07:13,920 --> 00:07:16,680 Speaker 3: Phone cases in stock or whatever you know that, but 157 00:07:16,720 --> 00:07:18,760 Speaker 3: you don't put fifty there. You say that you only 158 00:07:18,800 --> 00:07:20,920 Speaker 3: have five left, and then when people are at checkout, 159 00:07:20,920 --> 00:07:23,400 Speaker 3: they go, oh shit, there's only five left. I need 160 00:07:23,440 --> 00:07:27,200 Speaker 3: to check out quickly. And it's just these marketing tactics 161 00:07:27,240 --> 00:07:29,480 Speaker 3: that put more pressure on the seller. But then as 162 00:07:29,520 --> 00:07:32,120 Speaker 3: a small business owning yourself. You're probably looking at you know, 163 00:07:32,160 --> 00:07:34,000 Speaker 3: I don't think there are many competitors for you, but 164 00:07:34,000 --> 00:07:36,480 Speaker 3: you could look at other like phone case companies. You're thinking, 165 00:07:36,520 --> 00:07:38,880 Speaker 3: oh my god, they're selling out so quickly. That might 166 00:07:38,920 --> 00:07:40,960 Speaker 3: not be true. So that's why we need to just 167 00:07:41,160 --> 00:07:44,000 Speaker 3: stick in our own lane and just like put the 168 00:07:44,040 --> 00:07:47,000 Speaker 3: blinkers on, especially when you launch bit sorry getting that 169 00:07:47,080 --> 00:07:50,880 Speaker 3: many sales when you're two weeks old, Go in my 170 00:07:50,920 --> 00:07:53,680 Speaker 3: business Bible community and ask them how long did it 171 00:07:53,720 --> 00:07:56,400 Speaker 3: take you to sell a product? And so many of 172 00:07:56,400 --> 00:07:58,680 Speaker 3: them are going to be like, babe, months months I 173 00:07:58,760 --> 00:08:01,440 Speaker 3: launched and I had one. It was my mom, Like 174 00:08:01,560 --> 00:08:05,000 Speaker 3: that happens so often. You are doing so I'm so 175 00:08:05,160 --> 00:08:06,000 Speaker 3: excited for you. 176 00:08:06,240 --> 00:08:08,880 Speaker 5: That makes me feel so much better. Yeah, it's been 177 00:08:09,040 --> 00:08:11,560 Speaker 5: It has been quite like a rough two weeks obviously, 178 00:08:11,760 --> 00:08:15,840 Speaker 5: just I think expectation versus reality. I think the pressure 179 00:08:16,240 --> 00:08:19,120 Speaker 5: and hitting me of like how much we borrowed, how 180 00:08:19,200 --> 00:08:21,600 Speaker 5: much we poll and it's not going to get paid 181 00:08:21,640 --> 00:08:22,960 Speaker 5: back of the night, and the people that I have 182 00:08:23,080 --> 00:08:26,360 Speaker 5: borrowed from, like my family, they are sore understanding of that. 183 00:08:26,400 --> 00:08:30,640 Speaker 5: I think it's like these awn really unrealistic expectations I've 184 00:08:30,640 --> 00:08:31,560 Speaker 5: put on myself. 185 00:08:31,720 --> 00:08:34,559 Speaker 3: That always always, so small business owners, you've got to 186 00:08:34,559 --> 00:08:37,280 Speaker 3: be a little bit de Lulu. But like anything that 187 00:08:37,360 --> 00:08:40,280 Speaker 3: you can think about negatively, you can think about positively 188 00:08:40,320 --> 00:08:43,480 Speaker 3: as well, Like it's an active choice. So like instead 189 00:08:43,480 --> 00:08:45,200 Speaker 3: of going, oh my god, we owe so much money. 190 00:08:45,200 --> 00:08:47,400 Speaker 3: Oh my god, Like why can't we just be delusional 191 00:08:47,400 --> 00:08:49,559 Speaker 3: about the sales? Oh my god, I've got six sales. 192 00:08:49,600 --> 00:08:51,559 Speaker 3: I reckon next week, I could do double. Like, let's 193 00:08:51,600 --> 00:08:54,800 Speaker 3: just step into delulu a little bit, because right now 194 00:08:54,880 --> 00:08:56,320 Speaker 3: you're just manifesting the worst. 195 00:08:56,480 --> 00:08:58,400 Speaker 4: That's not what we do, not in this house. 196 00:08:58,600 --> 00:09:01,200 Speaker 5: I hear, I hear you. That is very true. So 197 00:09:01,240 --> 00:09:05,200 Speaker 5: we literally launched two weeks ago. And then so I'm 198 00:09:05,240 --> 00:09:08,200 Speaker 5: a videographer, like I was saying, So basically, I'm trying 199 00:09:08,240 --> 00:09:12,160 Speaker 5: to do maybe between two and four jobs a month 200 00:09:13,160 --> 00:09:16,480 Speaker 5: or videography. I used to do a ridiculous amount, but 201 00:09:16,520 --> 00:09:18,840 Speaker 5: now I'm like trying to limit myself because my business 202 00:09:19,400 --> 00:09:23,080 Speaker 5: needs a lot of attention. So I get about throw 203 00:09:23,120 --> 00:09:25,840 Speaker 5: it between three and four thousand a day from videography. 204 00:09:26,240 --> 00:09:28,720 Speaker 5: So if I do that, say two to four times 205 00:09:28,720 --> 00:09:30,760 Speaker 5: a month, that's definitely enough for us to kind of 206 00:09:30,960 --> 00:09:32,280 Speaker 5: put food on the table. 207 00:09:32,640 --> 00:09:34,400 Speaker 4: That's incredible. How good. 208 00:09:34,640 --> 00:09:37,600 Speaker 5: Yeah, that's really great. Yeah, Like I shop for some 209 00:09:37,720 --> 00:09:40,880 Speaker 5: awesome brands this week and I love that. So it's 210 00:09:40,880 --> 00:09:43,360 Speaker 5: for me, it's like, it's not hard work going back 211 00:09:43,400 --> 00:09:45,400 Speaker 5: to something that I love and I know that it's 212 00:09:45,400 --> 00:09:46,760 Speaker 5: going to take a bit of time to build up 213 00:09:46,800 --> 00:09:50,400 Speaker 5: this new one. And my husband he does contracts with 214 00:09:50,520 --> 00:09:53,280 Speaker 5: different people, and he like edits podcasts, so he edits 215 00:09:53,960 --> 00:09:57,120 Speaker 5: exercise classes and so he brings in enough to kind 216 00:09:57,120 --> 00:09:59,200 Speaker 5: of cover the mortgage and a bit of food type 217 00:09:59,240 --> 00:09:59,480 Speaker 5: of thing. 218 00:10:00,160 --> 00:10:02,480 Speaker 4: And you're still able to build your business on the side. 219 00:10:02,520 --> 00:10:04,600 Speaker 4: I love it. And you have two babies. 220 00:10:04,640 --> 00:10:06,360 Speaker 5: Two babies, yeah, too young, So you're. 221 00:10:06,200 --> 00:10:08,120 Speaker 4: Not busy at all. You've got not much going on. 222 00:10:08,280 --> 00:10:10,240 Speaker 5: Yeah, I'm pretty churely, you know, there's I find a 223 00:10:10,280 --> 00:10:12,800 Speaker 5: lot of space and time. Yeah. 224 00:10:12,840 --> 00:10:13,559 Speaker 4: I love that. 225 00:10:13,800 --> 00:10:16,920 Speaker 3: So tell me about your big money goals, Like what 226 00:10:17,000 --> 00:10:19,240 Speaker 3: does that look like moving into the future. Are they 227 00:10:19,240 --> 00:10:22,719 Speaker 3: mainly business focused? Are they lifestyle? Are they retirement? I 228 00:10:22,760 --> 00:10:24,480 Speaker 3: don't know what page are you on. 229 00:10:24,679 --> 00:10:29,000 Speaker 5: Yeah, I think for me it's definitely lifestyle. I really 230 00:10:29,040 --> 00:10:32,440 Speaker 5: want to build this business up, hire the right people, 231 00:10:32,640 --> 00:10:35,640 Speaker 5: and the truth is just literally be able to travel 232 00:10:35,679 --> 00:10:38,240 Speaker 5: with my babies and my family like that is like 233 00:10:38,320 --> 00:10:40,520 Speaker 5: that for me is the ultimate you know, like going, 234 00:10:41,000 --> 00:10:42,840 Speaker 5: not not traveling like a Nike he or a night 235 00:10:42,880 --> 00:10:45,920 Speaker 5: they're like going somewhere for six months and immersing ourselves 236 00:10:46,200 --> 00:10:49,120 Speaker 5: working as well, you know, like online and doing it. 237 00:10:49,160 --> 00:10:51,560 Speaker 5: But for me, it would be to take my babies 238 00:10:51,559 --> 00:10:54,040 Speaker 5: around the world is like my ultimate dream. 239 00:10:54,240 --> 00:10:55,040 Speaker 4: I love that. 240 00:10:55,120 --> 00:10:57,040 Speaker 3: And tell me a little bit more about your babies. 241 00:10:57,160 --> 00:10:58,079 Speaker 3: How old are they. 242 00:10:58,360 --> 00:11:00,760 Speaker 5: We've got a one year old and three year old. 243 00:11:00,960 --> 00:11:04,600 Speaker 4: I'll stop it. So you've got actual baby and you're 244 00:11:04,679 --> 00:11:05,319 Speaker 4: starting a bit. 245 00:11:05,440 --> 00:11:08,720 Speaker 5: One of them is still breastfeed, which is really intense 246 00:11:08,840 --> 00:11:12,079 Speaker 5: because obviously she's just a bit of a booby fingd 247 00:11:12,160 --> 00:11:16,040 Speaker 5: that's all she wants. And my eldest is I mean 248 00:11:16,120 --> 00:11:18,679 Speaker 5: like a tornad or in a three year old's body. 249 00:11:18,760 --> 00:11:22,840 Speaker 5: He is just, oh my god, the energy, the everything 250 00:11:23,040 --> 00:11:26,080 Speaker 5: is big and heightened with him. So yeah, it's quite intense. 251 00:11:26,080 --> 00:11:28,560 Speaker 5: We have quite an intense We've got ducks, chickens, dogs, 252 00:11:28,559 --> 00:11:30,920 Speaker 5: we've got rabbits, We've got Yeah. 253 00:11:30,960 --> 00:11:35,280 Speaker 4: You're living my actual dream. And also sorry, props to you, mum. 254 00:11:35,320 --> 00:11:39,400 Speaker 4: Breastfeeding for more than a year like that is rough. Like, 255 00:11:39,440 --> 00:11:41,280 Speaker 4: don't get me wrong, special but rough. 256 00:11:41,400 --> 00:11:43,880 Speaker 5: It's rough. But when we're going to New York actually 257 00:11:43,920 --> 00:11:46,280 Speaker 5: next week, so when I get back, I'm weaning. I'm done, 258 00:11:46,440 --> 00:11:48,720 Speaker 5: like I'm doing it for flights, doing it for all. 259 00:11:48,960 --> 00:11:50,880 Speaker 3: I was about to say, if I had a holiday 260 00:11:50,920 --> 00:11:52,640 Speaker 3: coming up and I was still breastfeeding, I would not 261 00:11:52,720 --> 00:11:54,840 Speaker 3: be giving up breastfeeding yet. Sorry, that is also a 262 00:11:54,880 --> 00:11:57,520 Speaker 3: secret weapon. Yeah, your genius. What are you going to 263 00:11:57,520 --> 00:11:58,160 Speaker 3: New York for? 264 00:11:58,400 --> 00:12:01,880 Speaker 5: My company is sponsoring the over there. And also I'm 265 00:12:01,920 --> 00:12:03,440 Speaker 5: going to Female Founder World. 266 00:12:04,000 --> 00:12:04,360 Speaker 3: Stop it. 267 00:12:04,480 --> 00:12:05,679 Speaker 4: Jasmine's my favorite. 268 00:12:05,840 --> 00:12:08,000 Speaker 3: I was hanging out with her last week and recorded 269 00:12:08,040 --> 00:12:09,480 Speaker 3: a podcast episode with her. 270 00:12:09,679 --> 00:12:13,400 Speaker 5: Oh my god, I saw fun girl Jasmine like I 271 00:12:13,440 --> 00:12:15,880 Speaker 5: saw fun Girl her. I'm so excited. 272 00:12:16,160 --> 00:12:19,120 Speaker 4: She's so cool. Oh my god, she's so cool. She's 273 00:12:19,200 --> 00:12:19,840 Speaker 4: just the coolest. 274 00:12:19,880 --> 00:12:21,920 Speaker 3: I love it, and I love Female Founder World, and 275 00:12:21,920 --> 00:12:23,600 Speaker 3: I can't believe you're going all the way over there. 276 00:12:23,760 --> 00:12:25,480 Speaker 3: I'm going to message her and let her know that 277 00:12:25,600 --> 00:12:28,040 Speaker 3: one of my She's on the Money community members is going, 278 00:12:28,160 --> 00:12:29,040 Speaker 3: because that's crazy. 279 00:12:29,080 --> 00:12:29,800 Speaker 4: I would love to go. 280 00:12:30,200 --> 00:12:31,720 Speaker 5: You should come with me. Let's just go. 281 00:12:32,160 --> 00:12:36,079 Speaker 3: Oh, I wish you should see my calendar, like I 282 00:12:36,120 --> 00:12:38,720 Speaker 3: wish so before I. 283 00:12:38,559 --> 00:12:39,840 Speaker 4: Agree to flights to New York. 284 00:12:39,920 --> 00:12:42,559 Speaker 3: Let's take a really quick break because on the flip side, 285 00:12:42,679 --> 00:12:44,080 Speaker 3: what we're going to do is, I want to talk 286 00:12:44,120 --> 00:12:46,400 Speaker 3: more about this investment that you've made in your company 287 00:12:46,480 --> 00:12:49,240 Speaker 3: and how you crowdsourced that through your friends and family. 288 00:12:49,480 --> 00:12:51,840 Speaker 3: I want to talk about more debt and then best 289 00:12:51,840 --> 00:12:58,440 Speaker 3: and most money habits. So guys don't go anywhere, all right, 290 00:12:58,480 --> 00:13:00,160 Speaker 3: money drivest We are back, and I want to talk 291 00:13:00,160 --> 00:13:03,840 Speaker 3: about investment. You said in your message in you were like, 292 00:13:04,280 --> 00:13:07,640 Speaker 3: you know, we lost seventeen thousand dollars to a sourcing agency, 293 00:13:08,000 --> 00:13:09,720 Speaker 3: had to take it a loan on our home, and 294 00:13:09,840 --> 00:13:12,360 Speaker 3: then turned to family and somehow managed to raise two 295 00:13:12,440 --> 00:13:14,720 Speaker 3: hundred grand. Can you tell me more about that process 296 00:13:14,720 --> 00:13:16,120 Speaker 3: because that sounds really stressful. 297 00:13:16,160 --> 00:13:20,400 Speaker 5: Yeah, slightly stressful. So we started this process. We got 298 00:13:20,640 --> 00:13:24,439 Speaker 5: kind of promised the world from a sourcing agency. So 299 00:13:24,480 --> 00:13:27,440 Speaker 5: the sourcing agency was supposed to basically help us with 300 00:13:27,480 --> 00:13:30,679 Speaker 5: the product, get it through to finding us a manufacturer, 301 00:13:31,040 --> 00:13:34,720 Speaker 5: getting it produced. Everything like that long, long, long story, 302 00:13:34,800 --> 00:13:38,400 Speaker 5: short that never happened. We lost seventeen thousand dollars. We 303 00:13:38,440 --> 00:13:40,720 Speaker 5: lost a year and a half in this game, which 304 00:13:40,760 --> 00:13:42,959 Speaker 5: is such a long time like we could have had 305 00:13:43,000 --> 00:13:46,720 Speaker 5: this done a long time ago. We cut ties with 306 00:13:46,840 --> 00:13:51,520 Speaker 5: them and literally hired my neighbor who helped us source 307 00:13:51,640 --> 00:13:54,679 Speaker 5: the entire thing. And so basically the money side of 308 00:13:54,720 --> 00:13:58,400 Speaker 5: things was, we had eight thousand dollars saved. We were 309 00:13:58,400 --> 00:14:00,480 Speaker 5: going to maybe buy second property or try and do 310 00:14:00,559 --> 00:14:02,679 Speaker 5: something like do up the house, do something with it. 311 00:14:03,120 --> 00:14:05,880 Speaker 5: Then I had this idea. We put eighty thousand dollars. 312 00:14:06,040 --> 00:14:08,560 Speaker 5: I think it's more about like one hundred maybe of 313 00:14:08,559 --> 00:14:12,160 Speaker 5: our own money. Now, yeah, eighty thousand dollars we put 314 00:14:12,200 --> 00:14:15,840 Speaker 5: down and then found out I was pregnant two weeks later, 315 00:14:16,600 --> 00:14:20,600 Speaker 5: then literally took out one hundred thousand dollars on our 316 00:14:20,680 --> 00:14:23,600 Speaker 5: house from like the equity hour broker helped us get that. 317 00:14:24,200 --> 00:14:28,920 Speaker 5: Then we are so ridiculously blessed that we both have 318 00:14:29,000 --> 00:14:32,760 Speaker 5: a set of parents that believe wholeheartedly in us and 319 00:14:32,800 --> 00:14:33,360 Speaker 5: what we do. 320 00:14:33,600 --> 00:14:36,200 Speaker 4: Oh, I love this. Everybody deserves that. 321 00:14:36,520 --> 00:14:40,040 Speaker 5: Everybody deserves that. And they're both I wouldn't say we're 322 00:14:40,040 --> 00:14:43,080 Speaker 5: from wealthy families, but they're both they okay, do you 323 00:14:43,160 --> 00:14:44,920 Speaker 5: know what I mean? They're stable. One of them's at 324 00:14:44,960 --> 00:14:48,400 Speaker 5: my partner's parents are retired, and they're like houses paid off, 325 00:14:48,400 --> 00:14:52,680 Speaker 5: they're good and my parents are separated, and my mum's 326 00:14:52,680 --> 00:14:56,840 Speaker 5: in a good space like financially and she they both 327 00:14:56,920 --> 00:14:59,240 Speaker 5: lent us a good amount of money to help us 328 00:14:59,360 --> 00:15:01,160 Speaker 5: reach this goal. We need it. 329 00:15:01,240 --> 00:15:05,400 Speaker 3: That's so good And can I be real perfect? What 330 00:15:06,000 --> 00:15:09,000 Speaker 3: type of investment? So, like, you've said you own a 331 00:15:09,120 --> 00:15:13,240 Speaker 3: company and you've invented the world's first Like what is it? 332 00:15:13,240 --> 00:15:14,800 Speaker 3: It says on your website. I've got it up now. 333 00:15:14,840 --> 00:15:16,760 Speaker 3: I've been stalking you while you're talking. It says, the 334 00:15:16,760 --> 00:15:19,720 Speaker 3: world's first iPhone case with a built in, fully tiltable 335 00:15:19,760 --> 00:15:23,600 Speaker 3: stand for creators, TikTokers and UGC Wizards. It's a pocket 336 00:15:23,600 --> 00:15:27,720 Speaker 3: sized superhero in your phone. I'm sorry, they're really flipping cute, 337 00:15:27,960 --> 00:15:31,520 Speaker 3: Like they are so cute you will write, But tell 338 00:15:31,560 --> 00:15:34,520 Speaker 3: me how much does that like for me? That I'm 339 00:15:34,520 --> 00:15:36,960 Speaker 3: looking at this business and I'm like, hold on, that 340 00:15:37,000 --> 00:15:40,080 Speaker 3: feels like a big investment because you're not just doing 341 00:15:40,160 --> 00:15:41,720 Speaker 3: one product and then shipping it out. 342 00:15:41,760 --> 00:15:43,400 Speaker 4: You've got multiple colors. 343 00:15:43,440 --> 00:15:48,120 Speaker 3: You probably have multiple phone cases because like everybody's got 344 00:15:48,120 --> 00:15:50,120 Speaker 3: a different style, size phone. 345 00:15:50,160 --> 00:15:52,840 Speaker 4: You can't just do one. What's that look like? 346 00:15:53,040 --> 00:15:56,680 Speaker 5: Yeah, so Lung's began. This is super mass that you 347 00:15:56,720 --> 00:15:59,680 Speaker 5: can work out really quickly. Basically every time up or 348 00:15:59,720 --> 00:16:02,520 Speaker 5: really an iPhone. Let's say they release a fifteen series, 349 00:16:02,560 --> 00:16:07,000 Speaker 5: there's four sizes, and each time we get a different size, 350 00:16:07,160 --> 00:16:10,680 Speaker 5: we have to pay thirteen thousand dollars per mold. Then 351 00:16:10,720 --> 00:16:14,520 Speaker 5: you have MQ's per collor per size, so you're looking 352 00:16:14,520 --> 00:16:20,000 Speaker 5: at about twenty thousand dollars per size like fifteen fifteen 353 00:16:20,000 --> 00:16:24,560 Speaker 5: pro fifteen probats. It's so costly. And then because we've 354 00:16:24,600 --> 00:16:27,360 Speaker 5: invented something that literally didn't exist, it's not like drop shipping. 355 00:16:27,360 --> 00:16:29,880 Speaker 5: I can't just like chuckle over one in common. And 356 00:16:30,000 --> 00:16:34,240 Speaker 5: also the mechanism in here is tiny, so to get 357 00:16:34,320 --> 00:16:36,960 Speaker 5: the it seems like nothing like people like, yeah, you've 358 00:16:37,000 --> 00:16:38,720 Speaker 5: put some like a little stand on a phone. I'm like, 359 00:16:39,080 --> 00:16:41,760 Speaker 5: get that mechanism working. Like we had to pay like 360 00:16:42,480 --> 00:16:44,760 Speaker 5: to keep it slimlin, Yeah, to keep it slim light, 361 00:16:44,880 --> 00:16:46,960 Speaker 5: to keep the resistance like it's got a good amount 362 00:16:46,960 --> 00:16:50,760 Speaker 5: of resistance. It's been the biggest eye opener. It was 363 00:16:50,840 --> 00:16:53,360 Speaker 5: so expensive, so much more than we ever planned. And 364 00:16:53,400 --> 00:16:55,400 Speaker 5: I literally just had to ask my family for more 365 00:16:55,480 --> 00:16:57,560 Speaker 5: money two days ago because we need to get the 366 00:16:57,600 --> 00:16:59,960 Speaker 5: iPhone seventeen series out. That they've just really. 367 00:17:00,000 --> 00:17:02,840 Speaker 3: Oh yeah, and they basically relates a new iPhone every year, 368 00:17:02,880 --> 00:17:04,920 Speaker 3: now don't they. So like that's got to be something 369 00:17:04,960 --> 00:17:07,680 Speaker 3: that you've got to predict and go, okay, cool and 370 00:17:08,160 --> 00:17:09,119 Speaker 3: creators are crazy. 371 00:17:09,160 --> 00:17:10,720 Speaker 4: They always have the newest iPhone. 372 00:17:10,760 --> 00:17:15,280 Speaker 3: Absolutely, yeah, like how annoying. How annoying, but also how cool? 373 00:17:15,400 --> 00:17:18,360 Speaker 3: Like is that something that you foresaw when you started 374 00:17:18,400 --> 00:17:21,080 Speaker 3: the journey? Like has this been like you're like I 375 00:17:21,119 --> 00:17:23,560 Speaker 3: knew that would happen or were you like, oh far out, 376 00:17:23,800 --> 00:17:25,080 Speaker 3: sorry forgot to think about that. 377 00:17:25,240 --> 00:17:27,320 Speaker 5: Yeah, look, we kind of did. I think that we 378 00:17:27,600 --> 00:17:30,800 Speaker 5: maybe underestimated how much each mold would cost, and we 379 00:17:30,960 --> 00:17:35,720 Speaker 5: kind of underestimated. We just underestimated everything. I think we 380 00:17:36,080 --> 00:17:39,320 Speaker 5: never done anything like this before and it has been yeah, 381 00:17:39,440 --> 00:17:44,080 Speaker 5: incredibly educational, put it that way. But yeah, yeah, now 382 00:17:44,160 --> 00:17:47,480 Speaker 5: we fully get it and now we all estimate everything. 383 00:17:47,560 --> 00:17:49,240 Speaker 5: You know, we knew that Apple were going to bring 384 00:17:49,240 --> 00:17:52,639 Speaker 5: out a new iPhone every year. It's a pro andercn 385 00:17:52,720 --> 00:17:55,480 Speaker 5: because people come back every year, but we also have 386 00:17:55,520 --> 00:17:57,880 Speaker 5: to spend x amount per year to get the molds 387 00:17:57,920 --> 00:18:00,239 Speaker 5: made and the minimum molder quantity done, so is bit 388 00:18:00,240 --> 00:18:03,320 Speaker 5: of a pra under con you know. But yeah, it 389 00:18:03,359 --> 00:18:04,160 Speaker 5: was blonde. 390 00:18:04,200 --> 00:18:07,400 Speaker 3: Hey, and do you so I'm assuming that basically all 391 00:18:07,440 --> 00:18:10,520 Speaker 3: your investing money and any free cash flow is going 392 00:18:10,560 --> 00:18:13,120 Speaker 3: into this so you're not investing in any other way, 393 00:18:13,160 --> 00:18:15,840 Speaker 3: shape or form. Just I'm assuming because you said, oh, 394 00:18:15,880 --> 00:18:17,720 Speaker 3: we had to ask family for money, Like, do you 395 00:18:17,760 --> 00:18:20,080 Speaker 3: know what I mean? Is that the right thing? To 396 00:18:20,119 --> 00:18:22,440 Speaker 3: assume that basically all your cash is just going towards 397 00:18:22,480 --> 00:18:23,000 Speaker 3: this business. 398 00:18:23,000 --> 00:18:26,440 Speaker 5: Everything it's either pair the mortgage, buy food, or put 399 00:18:26,440 --> 00:18:27,600 Speaker 5: it into our business. Yeah? 400 00:18:27,720 --> 00:18:30,720 Speaker 3: Yeah, fair, fair, And tell me a little bit more 401 00:18:30,800 --> 00:18:33,560 Speaker 3: about the debt. So you know, you've managed to raise 402 00:18:33,680 --> 00:18:36,679 Speaker 3: two hundred grand to build the business up without investors. 403 00:18:36,720 --> 00:18:39,280 Speaker 3: But how are you managing that? Because I'm often really 404 00:18:39,320 --> 00:18:41,919 Speaker 3: apprehensive of raising money and capital with family because it 405 00:18:41,920 --> 00:18:43,399 Speaker 3: can be really scary. It sounds like you've got a 406 00:18:43,440 --> 00:18:46,479 Speaker 3: super supportive family and like it works for you. But 407 00:18:46,600 --> 00:18:49,520 Speaker 3: like how you tracking that debt? How like do you 408 00:18:49,560 --> 00:18:52,520 Speaker 3: have a repayment plan? What other debts have you got? 409 00:18:52,520 --> 00:18:54,040 Speaker 3: Because like, I'm just so pervy. 410 00:18:54,240 --> 00:18:56,359 Speaker 5: No, please, I love it. I feel like I'm like 411 00:18:56,400 --> 00:19:00,000 Speaker 5: this in other areas of people's lives. I okay, So basically, 412 00:19:00,560 --> 00:19:03,280 Speaker 5: the one hundred thousand dollars on the house we pay 413 00:19:03,440 --> 00:19:06,840 Speaker 5: interest on per month, and so we pay I think 414 00:19:06,880 --> 00:19:11,800 Speaker 5: about five hundred dollars interest per month on that hundred 415 00:19:11,800 --> 00:19:16,080 Speaker 5: grand as well as the mortgage, and basically as soon 416 00:19:16,080 --> 00:19:18,320 Speaker 5: as we put money into that offset account, that will 417 00:19:18,359 --> 00:19:21,199 Speaker 5: go down. So we were not too phased about that 418 00:19:21,240 --> 00:19:23,080 Speaker 5: at the minute. Like, that's quite an all right deal 419 00:19:23,160 --> 00:19:27,480 Speaker 5: for us. Family, bless their little hearts. Haven't asked for 420 00:19:27,640 --> 00:19:32,600 Speaker 5: any repayments. They're like, get yourself sorted, get yourselves going. Yeah. 421 00:19:32,720 --> 00:19:35,080 Speaker 5: My dad's like, I kind of see this as you know, 422 00:19:35,119 --> 00:19:37,520 Speaker 5: a little bit of a longer term thing to me 423 00:19:37,560 --> 00:19:39,720 Speaker 5: and my mum are really close. She's actually our first hire, 424 00:19:39,880 --> 00:19:42,000 Speaker 5: unpaid of course at the moment, but she handles all 425 00:19:42,000 --> 00:19:45,240 Speaker 5: of our finances, so she'll be able to let me 426 00:19:45,320 --> 00:19:47,120 Speaker 5: know when we can pay her and she'll. 427 00:19:46,960 --> 00:19:49,440 Speaker 4: Be like, by the way, you owe me a whole salary, 428 00:19:49,760 --> 00:19:50,280 Speaker 4: that's right. 429 00:19:51,040 --> 00:19:54,480 Speaker 5: And again, yeah, my partner's parents same type of thing, 430 00:19:54,600 --> 00:19:57,000 Speaker 5: Like I don't. We're very close with our family. They 431 00:19:57,000 --> 00:20:00,320 Speaker 5: haven't given us any terms, which I guess for some 432 00:20:00,359 --> 00:20:03,840 Speaker 5: people might feel really scary, but I think that we're. 433 00:20:03,720 --> 00:20:07,520 Speaker 3: Very everybody's different, right, there's like quote the textbook right 434 00:20:07,520 --> 00:20:09,400 Speaker 3: way you should do this, and then there's the way 435 00:20:09,400 --> 00:20:11,399 Speaker 3: that works for you, and they're all different. Like I 436 00:20:11,440 --> 00:20:13,760 Speaker 3: can't come on here and say like, well, you should 437 00:20:13,800 --> 00:20:14,640 Speaker 3: have done it differently. 438 00:20:14,680 --> 00:20:16,400 Speaker 4: It's just not going to work. Like your parents would 439 00:20:16,400 --> 00:20:18,840 Speaker 4: probably be like, oh well, I don't want to sign anything. 440 00:20:18,880 --> 00:20:20,560 Speaker 3: I was just happy to support you while you're making 441 00:20:20,600 --> 00:20:24,320 Speaker 3: it so complicated money direst Like everybody is different, and 442 00:20:24,359 --> 00:20:26,800 Speaker 3: I think that that's the beautiful thing about sharing these 443 00:20:26,840 --> 00:20:29,000 Speaker 3: money stories because I get to learn about you and 444 00:20:29,200 --> 00:20:31,080 Speaker 3: learn about what works for you. But then on the 445 00:20:31,080 --> 00:20:33,760 Speaker 3: flip side, right, like, let's pretend my sister comes to 446 00:20:33,800 --> 00:20:36,600 Speaker 3: me and wants to start a business, because I've been 447 00:20:36,640 --> 00:20:39,359 Speaker 3: through business so much because that's like my bread and butter, 448 00:20:39,400 --> 00:20:42,560 Speaker 3: and I've set people up, I've had failed partnerships. I've 449 00:20:42,600 --> 00:20:46,000 Speaker 3: seen lots of other people fail their partnerships. Even if 450 00:20:46,000 --> 00:20:47,320 Speaker 3: it was my sister and I adore her and I 451 00:20:47,359 --> 00:20:48,639 Speaker 3: trust her, at the end of the world, i'd be like, 452 00:20:48,680 --> 00:20:51,320 Speaker 3: sign here, Mike, whereas. 453 00:20:50,960 --> 00:20:53,200 Speaker 4: Other people aren't like that, and that's so fine. 454 00:20:53,440 --> 00:20:56,600 Speaker 3: But again, there's no right, there's no wrong, and it 455 00:20:56,640 --> 00:20:57,560 Speaker 3: doesn't really matter. 456 00:20:58,520 --> 00:20:59,960 Speaker 4: Tell me a bit about the house. 457 00:21:00,000 --> 00:21:02,680 Speaker 3: So you've got one hundred K as a loan against 458 00:21:02,720 --> 00:21:04,200 Speaker 3: the house for the business. 459 00:21:04,440 --> 00:21:06,640 Speaker 4: But what type of mortgage are you still sitting on? 460 00:21:06,800 --> 00:21:10,359 Speaker 5: So got our house for seven hundred and forty thousand, 461 00:21:10,480 --> 00:21:13,320 Speaker 5: and we put one hundred thousand down. Oh good, Yeah, 462 00:21:13,359 --> 00:21:15,720 Speaker 5: so we're paying off six hundred and forty thousand. I 463 00:21:15,720 --> 00:21:18,200 Speaker 5: think that's at the minute. With the interest rates gone, 464 00:21:18,280 --> 00:21:20,080 Speaker 5: I think we're on about like nine hundred one thousand 465 00:21:20,119 --> 00:21:24,520 Speaker 5: dollars a week or something for our mortgage. And that 466 00:21:24,640 --> 00:21:27,600 Speaker 5: is obviously that feels expensive to us now. It didn't 467 00:21:27,640 --> 00:21:30,399 Speaker 5: when I was full time videographer. We kind of breezed 468 00:21:30,440 --> 00:21:33,520 Speaker 5: through it. We were very I felt very abundant, and 469 00:21:33,520 --> 00:21:35,880 Speaker 5: it's but it has been two years now where we're 470 00:21:35,920 --> 00:21:37,800 Speaker 5: just like, oh my god, I'm so sick of being 471 00:21:37,840 --> 00:21:40,280 Speaker 5: skinned Like it's yeah. 472 00:21:40,240 --> 00:21:43,040 Speaker 3: It's hard, and it's like a sacrifice you make in 473 00:21:43,160 --> 00:21:46,200 Speaker 3: order to invest into a business. Let me be a 474 00:21:46,240 --> 00:21:48,800 Speaker 3: little bit more pervy. When you were a videographer, what 475 00:21:48,840 --> 00:21:51,479 Speaker 3: were you making per year? Like, what were your tax returns? 476 00:21:51,520 --> 00:21:52,040 Speaker 4: Looking like? 477 00:21:52,240 --> 00:21:54,159 Speaker 5: Yeah, we were I think I was doing about two 478 00:21:54,240 --> 00:21:56,920 Speaker 5: hundred and fifty between two hundred and twenty two hundred 479 00:21:56,920 --> 00:21:57,560 Speaker 5: and fifty kre. 480 00:21:58,040 --> 00:21:59,760 Speaker 4: Yeah, that's so good. 481 00:22:00,320 --> 00:22:02,159 Speaker 3: You're an icon and I mean, I don't want to 482 00:22:02,200 --> 00:22:03,920 Speaker 3: say that it won't work out because I think your 483 00:22:03,920 --> 00:22:06,240 Speaker 3: business is sick, but like it's just so nice that 484 00:22:06,280 --> 00:22:08,679 Speaker 3: you've built up that reputation in the industry. And I 485 00:22:08,680 --> 00:22:10,399 Speaker 3: have no doubt if you're like, you know what, I 486 00:22:10,440 --> 00:22:13,320 Speaker 3: really need to turn this videographer stuff back on the 487 00:22:13,400 --> 00:22:16,280 Speaker 3: idea that you could turn back to having an income 488 00:22:16,320 --> 00:22:17,359 Speaker 3: of two hundred grand. 489 00:22:18,200 --> 00:22:18,920 Speaker 4: Does that make you. 490 00:22:18,920 --> 00:22:21,680 Speaker 3: Feel really secure in the decisions you're making at the moment? 491 00:22:21,880 --> 00:22:24,760 Speaker 5: Yeah, I mean it does. But I'm a very black 492 00:22:24,840 --> 00:22:27,960 Speaker 5: or white person sometimes, so I'm likely to I've started this, 493 00:22:28,119 --> 00:22:29,920 Speaker 5: I will finish this, I will make. 494 00:22:29,920 --> 00:22:32,639 Speaker 3: Oh yeah, no, same same. But it must be nice 495 00:22:32,680 --> 00:22:34,560 Speaker 3: to know that you've got the skills. 496 00:22:34,920 --> 00:22:38,280 Speaker 5: At night knowing if she hit the fine, we will. 497 00:22:38,160 --> 00:22:40,360 Speaker 4: Yeah, yeah, yeah, yeah, we'll be all right. We'll still 498 00:22:40,359 --> 00:22:41,440 Speaker 4: be able to pay a mortgage. 499 00:22:41,440 --> 00:22:43,320 Speaker 3: I'll still be able to get my kid's food on 500 00:22:43,400 --> 00:22:45,520 Speaker 3: the table, all of that stuff. Even though you are 501 00:22:45,560 --> 00:22:48,480 Speaker 3: being a bit skinned at the moment, is that something 502 00:22:48,520 --> 00:22:51,959 Speaker 3: that's starting to impact you, like mentally or physically, or 503 00:22:52,000 --> 00:22:54,000 Speaker 3: is that just like a I'm just so excited for 504 00:22:54,040 --> 00:22:56,240 Speaker 3: this business to take off, like but also it kind 505 00:22:56,240 --> 00:22:58,520 Speaker 3: of sucks not having some more financial freedom. 506 00:22:58,680 --> 00:23:01,080 Speaker 5: Yeah, I will say it's very up and down. Like 507 00:23:01,119 --> 00:23:03,080 Speaker 5: there are some days where it doesn't bother me at all, 508 00:23:03,160 --> 00:23:05,080 Speaker 5: and I'm like, this is part of the journey, this 509 00:23:05,160 --> 00:23:07,640 Speaker 5: is part of our story, and you know, we talk 510 00:23:07,680 --> 00:23:10,480 Speaker 5: about it very openly as a family and different things 511 00:23:10,520 --> 00:23:13,640 Speaker 5: like that. But there are some days where like it 512 00:23:13,720 --> 00:23:17,240 Speaker 5: literally feels like somebody is sat on my chest and 513 00:23:17,280 --> 00:23:20,160 Speaker 5: I look at these little eyes watching me, and I think, 514 00:23:20,280 --> 00:23:22,560 Speaker 5: oh my god. I will be honest, like, it does 515 00:23:22,680 --> 00:23:25,040 Speaker 5: quite get to me sometimes. And I also think about 516 00:23:25,080 --> 00:23:27,840 Speaker 5: our family and how much they trust us and how 517 00:23:27,920 --> 00:23:31,640 Speaker 5: much they've lent us, and it does make me sometimes 518 00:23:31,760 --> 00:23:36,360 Speaker 5: feel quite anxious. But then I get feedback about the product, 519 00:23:36,400 --> 00:23:39,880 Speaker 5: and I get feedback from people, and then my mum 520 00:23:39,880 --> 00:23:41,960 Speaker 5: will just text me, I believe in you, baby, You've 521 00:23:41,960 --> 00:23:43,840 Speaker 5: got this, And then I'm like, god, I do I do? 522 00:23:43,920 --> 00:23:45,600 Speaker 5: You know? And it goes up and down. 523 00:23:45,600 --> 00:23:48,760 Speaker 3: Like that stop it And like I obviously the second 524 00:23:48,800 --> 00:23:50,399 Speaker 3: you told me your business, I was like, I'm going 525 00:23:50,440 --> 00:23:53,680 Speaker 3: to google this and it's beautiful, Like it's not just beautiful, 526 00:23:53,680 --> 00:23:56,000 Speaker 3: but it's like practical, Like I feel like if you 527 00:23:56,080 --> 00:23:57,600 Speaker 3: just come out with phone cases I would have been like, 528 00:23:57,600 --> 00:23:59,840 Speaker 3: oh cute, they're really nice. I hope it goes really well. 529 00:24:00,200 --> 00:24:02,639 Speaker 3: Like sorry, I'm always propping my phone up on something. 530 00:24:02,680 --> 00:24:04,679 Speaker 3: All of my friends are always propping their phone up 531 00:24:04,720 --> 00:24:07,520 Speaker 3: on something Like this just makes sense. So I'm like, 532 00:24:07,960 --> 00:24:09,919 Speaker 3: why isn't what do you mean you did this first? 533 00:24:10,000 --> 00:24:11,919 Speaker 3: Like what do you mean someone else hasn't thought about this? 534 00:24:12,160 --> 00:24:13,000 Speaker 4: Like how good? 535 00:24:13,720 --> 00:24:15,720 Speaker 5: And our goal as well is to be like a 536 00:24:15,760 --> 00:24:18,680 Speaker 5: full ecosystem for content creers. So we're working on our 537 00:24:18,720 --> 00:24:22,280 Speaker 5: second product, we're working on audio or like, we don't 538 00:24:22,320 --> 00:24:24,600 Speaker 5: want to just be a phone case company. We basically 539 00:24:24,680 --> 00:24:28,120 Speaker 5: want to be for anybody that creates content you need anything, 540 00:24:28,280 --> 00:24:30,960 Speaker 5: like we are specifically designed for you type of thing. 541 00:24:31,119 --> 00:24:32,919 Speaker 4: Yeah, I adore. What are next steps? 542 00:24:33,000 --> 00:24:35,520 Speaker 3: So let's say this goes really well and then all 543 00:24:35,560 --> 00:24:38,359 Speaker 3: of a sudden you've got some additional cash flow, Like 544 00:24:38,440 --> 00:24:40,080 Speaker 3: we're paying back our business loans. 545 00:24:40,160 --> 00:24:42,840 Speaker 4: That's all fun. Are the other products in the works? 546 00:24:42,880 --> 00:24:44,800 Speaker 3: Like don't tell me because we can't have other people 547 00:24:44,880 --> 00:24:47,000 Speaker 3: stealing those ideas? Or are you like no, no, no, 548 00:24:47,080 --> 00:24:49,040 Speaker 3: Like we're just in this one silo and we're going 549 00:24:49,080 --> 00:24:50,680 Speaker 3: to just get really good at this, Like what's the 550 00:24:50,760 --> 00:24:51,720 Speaker 3: plan there. 551 00:24:51,720 --> 00:24:56,760 Speaker 5: Is the most epic second product in the work. I 552 00:24:56,800 --> 00:24:59,080 Speaker 5: can't say it better than the first one, but I will. 553 00:24:59,240 --> 00:25:01,280 Speaker 5: I think it's on. Like people are gonna be like, 554 00:25:01,280 --> 00:25:05,840 Speaker 5: what like the way we've connected, Like, oh, it's creme 555 00:25:05,880 --> 00:25:07,240 Speaker 5: de la creme, Like you're gonna. 556 00:25:07,080 --> 00:25:08,840 Speaker 4: Look, oh, I love these I can't wait. 557 00:25:08,840 --> 00:25:11,040 Speaker 3: I'm gonna ask offline guys. You don't get to know, 558 00:25:11,119 --> 00:25:13,280 Speaker 3: but I'm sure as hell finding out. I love this 559 00:25:13,520 --> 00:25:16,840 Speaker 3: so much. Now let's move away from like getting all 560 00:25:16,880 --> 00:25:19,400 Speaker 3: of this. I want to know, like, you don't get 561 00:25:19,440 --> 00:25:22,080 Speaker 3: to this point without having some good money habits. 562 00:25:22,119 --> 00:25:23,800 Speaker 4: What do you think is your best. 563 00:25:23,720 --> 00:25:27,080 Speaker 5: I don't personally think that I'm good with money, but 564 00:25:27,359 --> 00:25:28,960 Speaker 5: what I will say is the only thing that I 565 00:25:28,960 --> 00:25:31,800 Speaker 5: can think of that comes to mind is I always 566 00:25:32,119 --> 00:25:34,520 Speaker 5: check my balance, Like I check it like a good 567 00:25:34,560 --> 00:25:36,560 Speaker 5: two or three times a day, like I just don't 568 00:25:36,560 --> 00:25:38,680 Speaker 5: know a while. Sometimes I'll just check just look, okay, 569 00:25:38,760 --> 00:25:41,439 Speaker 5: yeah good. Then if things have gone down quickly, then 570 00:25:41,480 --> 00:25:42,800 Speaker 5: I'm like, oh, hold on a minute, I need to 571 00:25:42,840 --> 00:25:45,159 Speaker 5: check on that. And that's when I remember to like 572 00:25:45,240 --> 00:25:48,040 Speaker 5: cancel a subscription that I'm not using, or you know, 573 00:25:48,080 --> 00:25:50,080 Speaker 5: I kind of see these little things so I'll say, 574 00:25:50,240 --> 00:25:53,000 Speaker 5: we can't get this anymore because it's just adding up 575 00:25:53,040 --> 00:25:55,159 Speaker 5: so much. Like I do check it a lot. I 576 00:25:55,200 --> 00:25:57,200 Speaker 5: think that would be my only good habit. 577 00:25:57,480 --> 00:25:59,840 Speaker 3: I think that's a good thing. But I also won 578 00:26:00,840 --> 00:26:03,720 Speaker 3: is that impacting you? Are you stressed about money so 579 00:26:03,800 --> 00:26:06,000 Speaker 3: you check all the time? Like is this something that 580 00:26:06,040 --> 00:26:07,720 Speaker 3: maybe isn't as productive as. 581 00:26:07,560 --> 00:26:10,439 Speaker 5: It could be? Well, you know what I think, Looking 582 00:26:10,520 --> 00:26:14,800 Speaker 5: even back to when we were quite financially free before kids, 583 00:26:14,800 --> 00:26:17,400 Speaker 5: and when I was just a videographer and building all 584 00:26:17,440 --> 00:26:19,920 Speaker 5: that up, I think I still checked quite a lot 585 00:26:19,960 --> 00:26:22,240 Speaker 5: then as well. And I think it's almost like more 586 00:26:22,280 --> 00:26:24,480 Speaker 5: of a soothing thing when you do have the money 587 00:26:24,480 --> 00:26:26,000 Speaker 5: in the car. I'm like, oh, I'm good, I'm saying, 588 00:26:26,600 --> 00:26:28,080 Speaker 5: And maybe it is a little bit more of an 589 00:26:28,119 --> 00:26:30,520 Speaker 5: anxiety think. And also I do I have to watch 590 00:26:30,520 --> 00:26:33,320 Speaker 5: it now because there is such little of it. I 591 00:26:33,400 --> 00:26:35,439 Speaker 5: do have to make sure are we on top of this? 592 00:26:35,560 --> 00:26:38,160 Speaker 5: Are we on top of that? So I do think yeah, 593 00:26:38,200 --> 00:26:41,720 Speaker 5: probably a pro and a negative. I would say yeah totally. 594 00:26:41,720 --> 00:26:43,520 Speaker 3: I was like, oh, that's a good thing, Like I'm 595 00:26:43,520 --> 00:26:45,760 Speaker 3: glad you're across it, But like, is that impacting your 596 00:26:45,800 --> 00:26:49,360 Speaker 3: mental health in any way? Because we just don't want Yeah, 597 00:26:49,400 --> 00:26:52,199 Speaker 3: we don't want you to be stressed about money, but 598 00:26:52,359 --> 00:26:53,960 Speaker 3: I mean at the moment, I would. 599 00:26:53,800 --> 00:26:55,679 Speaker 4: Be too, Like you're in the startup phases. 600 00:26:55,720 --> 00:26:58,119 Speaker 3: We've just got stuff to do, like we're always looking 601 00:26:58,160 --> 00:27:00,000 Speaker 3: and I feel like once you get further into business 602 00:27:00,200 --> 00:27:02,040 Speaker 3: then it does pull back a little bit. But I 603 00:27:02,080 --> 00:27:03,880 Speaker 3: was exactly the same. That's why I was like, how's 604 00:27:03,880 --> 00:27:05,200 Speaker 3: your mental health because mom wasn't great. 605 00:27:05,280 --> 00:27:05,480 Speaker 4: Yeah. 606 00:27:05,760 --> 00:27:08,680 Speaker 5: Yeah, there's been a few sleepless nights. Let's just put 607 00:27:08,720 --> 00:27:09,160 Speaker 5: it that way. 608 00:27:09,280 --> 00:27:11,280 Speaker 4: But you know what, it's part and puzzle of the journey. 609 00:27:11,320 --> 00:27:15,080 Speaker 3: I'm so sorry if you were sleeping through every single night, 610 00:27:15,520 --> 00:27:17,880 Speaker 3: I would assume that you just don't care enough, Like 611 00:27:18,000 --> 00:27:20,160 Speaker 3: this stuff is hard at the beginning. 612 00:27:20,760 --> 00:27:22,600 Speaker 4: Now, tell me, what do you think your worst money 613 00:27:22,600 --> 00:27:23,119 Speaker 4: habit is? 614 00:27:23,480 --> 00:27:27,119 Speaker 5: My worst money habit is definitely spending money on the kids. 615 00:27:27,359 --> 00:27:31,960 Speaker 5: Like I'm such a sucker for toys and like little things, 616 00:27:32,040 --> 00:27:34,120 Speaker 5: and I think that's like tied into a guilt thing 617 00:27:34,160 --> 00:27:36,080 Speaker 5: as well. You know, we spend so much time and 618 00:27:36,200 --> 00:27:37,280 Speaker 5: energy on the business. 619 00:27:37,520 --> 00:27:39,720 Speaker 4: Yeah, you're like, you can have another book. It is fine. 620 00:27:39,800 --> 00:27:42,159 Speaker 5: It's fine, exactly, and you know, my little but I 621 00:27:42,160 --> 00:27:43,840 Speaker 5: love this card. I'm like you can get it, buddy. 622 00:27:43,880 --> 00:27:47,240 Speaker 5: Like I feel like sometimes that's probably my worst money habit. 623 00:27:47,320 --> 00:27:48,879 Speaker 5: And I also really want to teach him that he 624 00:27:48,920 --> 00:27:51,200 Speaker 5: can't have everything that he wants as well. 625 00:27:51,280 --> 00:27:53,680 Speaker 4: You know, he's also three, so he doesn't get that yet. 626 00:27:53,840 --> 00:27:58,000 Speaker 4: I don't know. Oh, it's really rough. It's funny. 627 00:27:58,040 --> 00:28:00,840 Speaker 3: I was actually talking to a money diarist last week 628 00:28:01,240 --> 00:28:03,399 Speaker 3: and she and I were saying the same thing, and 629 00:28:03,440 --> 00:28:05,760 Speaker 3: I was like, when I was not a mum, I 630 00:28:05,800 --> 00:28:08,560 Speaker 3: would like, you know, obviously give financial advice and be like, well, 631 00:28:08,600 --> 00:28:10,040 Speaker 3: this is your budget for this and that, and like 632 00:28:10,240 --> 00:28:12,159 Speaker 3: clients would say the same things like oh, I'm just 633 00:28:12,200 --> 00:28:14,200 Speaker 3: I'm so good with like my own budget, like I 634 00:28:14,280 --> 00:28:16,359 Speaker 3: don't blow it on treats for me, but I'm always 635 00:28:16,359 --> 00:28:18,800 Speaker 3: spending on the kids, like whether that's an ice cream 636 00:28:18,880 --> 00:28:21,200 Speaker 3: or a baby Chino or like another TOYR book or 637 00:28:21,240 --> 00:28:21,879 Speaker 3: a KMA. 638 00:28:21,680 --> 00:28:22,399 Speaker 4: Trip or whatever. 639 00:28:22,760 --> 00:28:24,520 Speaker 3: And I'd be like, oh, I'm thinking in the back 640 00:28:24,560 --> 00:28:26,440 Speaker 3: of my head, like when I'm doing my financial planning, 641 00:28:26,480 --> 00:28:28,360 Speaker 3: I'm like, no, I'm probably not like that, Like I'm 642 00:28:28,359 --> 00:28:31,120 Speaker 3: pretty good at saying no to additional things. 643 00:28:31,600 --> 00:28:32,400 Speaker 4: I'm a pushover. 644 00:28:32,920 --> 00:28:35,280 Speaker 3: I like the second I became a mom, like I 645 00:28:35,320 --> 00:28:38,240 Speaker 3: only have like what a nineteen twenty month old, I 646 00:28:38,240 --> 00:28:38,840 Speaker 3: can't remember. 647 00:28:39,240 --> 00:28:42,640 Speaker 4: And if he's like, mom, one more, I'm like, you 648 00:28:42,680 --> 00:28:44,960 Speaker 4: can have ten, you can have ten. Take my money, 649 00:28:45,000 --> 00:28:45,440 Speaker 4: you want ten? 650 00:28:45,520 --> 00:28:46,000 Speaker 5: Take heart? 651 00:28:46,080 --> 00:28:47,880 Speaker 4: Take my money? Do you want my whole wallet back? 652 00:28:48,120 --> 00:28:51,240 Speaker 4: Like I suck and just like his little face. 653 00:28:51,320 --> 00:28:53,280 Speaker 3: Like the other day we went to a cafe and 654 00:28:53,400 --> 00:28:55,480 Speaker 3: I ordered him a baby Chino because we've just gotten 655 00:28:55,480 --> 00:28:59,160 Speaker 3: into this and it had sprinkles on the top, and 656 00:28:59,240 --> 00:29:01,000 Speaker 3: like I was like, oh, I hid the marshmallow. 657 00:29:01,040 --> 00:29:01,320 Speaker 4: I don't know. 658 00:29:01,320 --> 00:29:03,120 Speaker 3: I feel like that's a relatable mum thing to do, 659 00:29:03,240 --> 00:29:05,640 Speaker 3: Like no marshmallow for you, Glen Coco, that's mum text. 660 00:29:05,920 --> 00:29:07,320 Speaker 4: And I put it down in front of him and 661 00:29:07,360 --> 00:29:08,800 Speaker 4: he goes, oh. 662 00:29:08,520 --> 00:29:10,840 Speaker 3: Wow, And I was like, this is why I do it, 663 00:29:10,880 --> 00:29:12,720 Speaker 3: Like you're just he's been grateful. 664 00:29:12,760 --> 00:29:15,760 Speaker 4: He was just so yep, that was worth the four 665 00:29:15,800 --> 00:29:17,480 Speaker 4: dollars I probably paid for that. 666 00:29:17,560 --> 00:29:20,080 Speaker 5: Like crazy, we're until they start saying things like oh, 667 00:29:20,120 --> 00:29:22,840 Speaker 5: you're the best mummy ever, Please mummy, because you're the 668 00:29:22,880 --> 00:29:25,720 Speaker 5: best mummy ever. Then you're like, okay, you can have it. 669 00:29:25,920 --> 00:29:31,000 Speaker 3: I feel like they have clocked manipulation, Like people say 670 00:29:31,040 --> 00:29:34,320 Speaker 3: that toddlers can't be manipulative because they don't understand. I reckon, 671 00:29:34,480 --> 00:29:38,680 Speaker 3: they've got it clocked NA totally money dirist. This has 672 00:29:38,760 --> 00:29:42,160 Speaker 3: been really beautiful. But at the start you said, look, 673 00:29:42,160 --> 00:29:44,960 Speaker 3: I'm a sea, but you're managing money pretty well. I 674 00:29:44,960 --> 00:29:47,040 Speaker 3: can say that you're still a little bit stressed about it. 675 00:29:47,080 --> 00:29:49,200 Speaker 3: We're in the startup phases of business. I get it. 676 00:29:49,560 --> 00:29:51,840 Speaker 3: What would it take to get you from this sea 677 00:29:51,880 --> 00:29:54,760 Speaker 3: that you said you were closer to an a Like? 678 00:29:54,840 --> 00:29:57,160 Speaker 3: What would you have to be doing? Is it just 679 00:29:57,200 --> 00:29:59,320 Speaker 3: about business success? Is it money management? 680 00:29:59,440 --> 00:29:59,520 Speaker 5: Like? 681 00:29:59,560 --> 00:30:00,800 Speaker 4: What what would it look like? 682 00:30:00,960 --> 00:30:02,800 Speaker 5: I think it would be a mixture of both. I 683 00:30:02,840 --> 00:30:06,440 Speaker 5: think if my business became a little bit more successful, 684 00:30:06,520 --> 00:30:10,440 Speaker 5: and I also think if I managed to plug any 685 00:30:10,560 --> 00:30:13,360 Speaker 5: holes in my boocket when it comes to the business, like, 686 00:30:13,360 --> 00:30:15,920 Speaker 5: I'm still very much figuring out, like how much does 687 00:30:15,960 --> 00:30:18,920 Speaker 5: it actually cost per product? Like what is the what 688 00:30:19,000 --> 00:30:21,440 Speaker 5: is my role as? What is my cost by acquisition? 689 00:30:21,480 --> 00:30:23,400 Speaker 5: Like I'm still don't know any of that. So I 690 00:30:23,400 --> 00:30:25,720 Speaker 5: think it will be a mixture of both. As the 691 00:30:25,720 --> 00:30:28,480 Speaker 5: business craws, as I learn more, I think I'll feel 692 00:30:28,520 --> 00:30:32,080 Speaker 5: a bit more in that ab bracket. 693 00:30:32,360 --> 00:30:35,320 Speaker 3: That's fair, but it feels like you're on track, So 694 00:30:35,400 --> 00:30:37,600 Speaker 3: that would you feel like you're like on the journey 695 00:30:37,680 --> 00:30:40,400 Speaker 3: or is there something that you significantly need to change 696 00:30:40,400 --> 00:30:40,960 Speaker 3: to get there? 697 00:30:41,120 --> 00:30:43,600 Speaker 5: No, I think I'm on the journey. I do. I 698 00:30:43,640 --> 00:30:46,440 Speaker 5: think I'm a smart chick, and I think. 699 00:30:46,240 --> 00:30:47,800 Speaker 3: I know you're a smart chick. I've just spent like 700 00:30:47,840 --> 00:30:49,600 Speaker 3: in the last half hour chatting with you. That was 701 00:30:49,640 --> 00:30:50,560 Speaker 3: obvious from the start. 702 00:30:50,600 --> 00:30:52,920 Speaker 5: My lost thank you. Well, yeah, I think I'm on 703 00:30:53,000 --> 00:30:54,320 Speaker 5: the I think I'm on the track. 704 00:30:54,480 --> 00:30:55,600 Speaker 4: I love it. Oh my god. 705 00:30:55,640 --> 00:30:58,160 Speaker 3: I wish we had more time together, but unfortunately we 706 00:30:58,240 --> 00:31:00,440 Speaker 3: have very quickly run out of time. Thank you so 707 00:31:00,560 --> 00:31:03,040 Speaker 3: much for sharing your story, for sharing your small business. 708 00:31:03,040 --> 00:31:03,840 Speaker 4: I'm going to get your. 709 00:31:03,760 --> 00:31:07,200 Speaker 3: Permission, hopefully offline. We'll have a chat about it, and 710 00:31:07,240 --> 00:31:09,720 Speaker 3: I'll see how I can promote your business with inside. 711 00:31:10,040 --> 00:31:12,640 Speaker 3: She's on the money, so that hopefully people. 712 00:31:12,480 --> 00:31:15,240 Speaker 4: Go hold on, hold on. This must have been the money. 713 00:31:14,960 --> 00:31:18,320 Speaker 3: Diarist and they can put two and two together themselves 714 00:31:18,360 --> 00:31:20,800 Speaker 3: if they're as pervy as I am. But thank you 715 00:31:20,840 --> 00:31:23,200 Speaker 3: so much for sharing your journey. This has been really special. 716 00:31:23,240 --> 00:31:25,560 Speaker 3: It's not often that a small business who's just launch 717 00:31:25,640 --> 00:31:28,160 Speaker 3: puts their hand up and says, ask me about my money. 718 00:31:28,320 --> 00:31:30,800 Speaker 4: So this has been a privilege. I really really appreciate it. 719 00:31:30,880 --> 00:31:32,640 Speaker 5: Thank you so much for having me. It was so 720 00:31:32,720 --> 00:31:33,200 Speaker 5: much fun. 721 00:31:39,520 --> 00:31:42,080 Speaker 3: Did buy shared on She's on the Money is general 722 00:31:42,120 --> 00:31:46,000 Speaker 3: in nature and does not consider your individual circumstances. She's 723 00:31:46,040 --> 00:31:49,480 Speaker 3: on the Money exists purely for educational purposes and should 724 00:31:49,520 --> 00:31:52,640 Speaker 3: not be relied upon to make an investment or financial decision. 725 00:31:53,080 --> 00:31:55,520 Speaker 3: If you do choose to buy a financial product, read 726 00:31:55,560 --> 00:31:59,600 Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards 727 00:31:59,640 --> 00:32:03,000 Speaker 3: your knee. Victoria Divine and Sheese on the Money are 728 00:32:03,080 --> 00:32:06,440 Speaker 3: authorized representatives of money sherper P T Y L t 729 00:32:06,600 --> 00:32:09,360 Speaker 3: D A b N three two one six four nine 730 00:32:09,440 --> 00:32:12,440 Speaker 3: two seven seven zero eight a F s L four 731 00:32:12,480 --> 00:32:15,120 Speaker 3: five one two eight nine