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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 1: the storytelling of you to make a difference for today

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: 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 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: for millennials who want financial freedom. Today is Friday, which

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Speaker 4: means it is time to sit back with yet another guest.

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Speaker 4: We have Ana Lisa, our producer, and of course misters

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Speaker 4: Garricci with us today.

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Speaker 5: To recount our favorite moments.

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Speaker 4: Of the week and of course to celebrate you, our

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Speaker 4: beautiful She's on the Money community. As always, we're going

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Speaker 4: to be sharing our favorite money wins. We're going to

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Speaker 4: be discussing what's making news in the finance world, and

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Speaker 4: we're going to be helping to answer a juicy money question,

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Speaker 4: which is all about someone who loves their job.

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Speaker 5: But doesn't really like their pay.

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Speaker 4: But first it is time to recap the week that was,

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Speaker 4: and helping me do that today is Ana Lisa with

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Speaker 4: our Monday Money Diaries episode this week, which we co authored.

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Speaker 2: Oh my goodness, my voice is on this podcast twice

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Speaker 2: in one way. Hello am I I hek.

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Speaker 4: Here our listeners to experience the joy that is Ana Lisa.

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Speaker 2: Hello everyone, so nice to join you on this second

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Speaker 2: last day of the year.

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Speaker 4: Oh my gosh, yes absolutely. Ana Lisa is one of

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Speaker 4: our favorite people. Also our favorite producer, is.

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Speaker 5: That fair to say.

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Speaker 4: We've also got Sam Sam's editing this episode, so Sam

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Speaker 4: were do different things. She's our favorite female producer. I

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Speaker 4: appreciate you, and hey, v Monday was so much fun.

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Speaker 4: I made you pick the ones that just really kind

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Speaker 4: of you thought you were going to go in one

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Speaker 4: direction with them, and then we ended up going in

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Speaker 4: another direction, learning.

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Speaker 2: This whole other level of stuff about it. So it

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Speaker 2: was so fun to stand over you and force you

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Speaker 2: to pick just a couple out of what has been

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Speaker 2: an incredible year. As usual from our community of money dire.

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Speaker 4: Such a big conversation to have as well, Like you

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Speaker 4: came to me with this idea, and I was just like,

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Speaker 4: there's absolutely no way I'm picking favorite money diaries. Let's

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Speaker 4: do ones that shook us or ones that we consistently

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Speaker 4: think about. And I think we did that in a

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Speaker 4: really really good way. Like so many of them. You'll remember, Jess,

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Speaker 4: you'll remember a lot of them as well. You'll be yeah,

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Speaker 4: I don't know, feel like they were engaged and impactful

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Speaker 4: and just I love our money diarists so much so

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Speaker 4: it was hard to pick. Are we going to do

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Speaker 4: a little summary? Are we going to make people listen

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Speaker 4: back to the episode? You can do a summary, so like,

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Speaker 4: can you do analysa? Sell it to the people?

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Speaker 2: All right? Well, first we had Phoenix Rising from the

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Speaker 2: Ashes from the ninth of the fifth Ye follower on Instagram.

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Speaker 4: Now obviously you guys don't know because I follow her

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Speaker 4: like two thousand people, so good luck bar still anonymous. Yeah,

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Speaker 4: she's also private, so good luck with you of that.

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Speaker 4: But she was incredible. She survived in an abusive relationship,

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Speaker 4: she paid off one hundred and twenty thousand dollars in

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Speaker 4: credit card debt took her seven years and ended up

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Speaker 4: costing her quarter of a million dollars, and it just

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Speaker 4: it blows my mind that she's now completely debt free,

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Speaker 4: living her best life. She has a wonderful partner, she

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Speaker 4: has a side hustle.

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Speaker 2: She's just like Queen and loves a spreadsheet.

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Speaker 4: Absolutely loves it, don't we all you kind of hear

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Speaker 4: because you love spreadsheets.

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Speaker 2: This is why I haven't been on the pog before

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Speaker 2: because I am terrified by spreadsheets. Okay, so next up,

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Speaker 2: and yeah, this was extraordinary and extraordinary on so many levels.

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Speaker 2: It was called from public housing to ten k a

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Speaker 2: week as a sex worker. It was from the eighteenth

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Speaker 2: of the seventh Ladies. Big takeaways from this one.

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Speaker 4: I feel like this one was spicy at the same

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Speaker 4: time as being really empowering. This money dois kind of

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Speaker 4: always knew she wanted to be a sex worker, and

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Speaker 4: she was really open about that. She's like, at eighteen,

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Speaker 4: I just knew what I wanted to do. That's what

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Speaker 4: I wanted to do. I knew I'd be good at it.

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Speaker 4: I'm going to go ahead and get it done. She's

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Speaker 4: somebody that I know through my social circles. And to

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Speaker 4: be honest, her journey is really incredible. But learning that

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Speaker 4: she can earn or sometimes does earn ten thousand dollars

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Speaker 4: a week but is still terrible at cash flow tests,

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Speaker 4: I think had us both banging our heads against the wall.

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Speaker 4: We were like, girl, you are earning so much money,

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Speaker 4: be better at cash flow. But obviously she's still super

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Speaker 4: financially successful. She had like investment properties, so it's her

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Speaker 4: house and all that, but you're just.

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Speaker 5: Saying, what are you doing, queen?

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Speaker 2: She was borrowing money for lunch sometimes, and I was like,

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Speaker 2: at least I'm not the only one who might someone oh.

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Speaker 5: No money.

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Speaker 4: I feel like cash flow issues or being in a

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Speaker 4: position where you're not able to manage your cash flow

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Speaker 4: is effectively as you might want to, is not exclusive

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Speaker 4: people who don't have enough money, Like, it doesn't matter

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Speaker 4: how much you own, it's actually how you allocate.

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Speaker 5: It and what you do.

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Speaker 4: And some of the most financially successful people I've seen

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Speaker 4: aren't the ones with the biggest dollars in their bank account.

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Speaker 4: It's actually the people who are just as savvy as possible.

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Speaker 4: And I guess that's why we have shees on the money, right.

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Speaker 5: But I loved this. I felt like it was really interesting.

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Speaker 4: She shared her story of growing up in public housing

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Speaker 4: being a single mum. She talked about the tricky side

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Speaker 4: of business because being a sex worker, you're often, you know,

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Speaker 4: a sole trader.

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Speaker 5: You are actually the.

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Speaker 4: Bookkeeper and the accountant and also the admin person and

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Speaker 4: the person doing the work, and there's just so much

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Speaker 4: more to it than you think there is, and it's

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Speaker 4: just it's super interesting. Also how she pivoted during COVID

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Speaker 4: and just what she got up to. I don't know,

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Speaker 4: I'm pervy on everyone's financial circumstances. Oh no, know what

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Speaker 4: you do.

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Speaker 1: I do.

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Speaker 2: Listen back to that episode definitely, one hundred percent.

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Speaker 4: Let's not go through the rest though the rest are

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Speaker 4: really good, and I feel like we'll hop on and

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Speaker 4: on and then you won't listen to the show. And

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Speaker 4: I just think that everybody should listen to that episode

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Speaker 4: because it was a really fun recap.

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Speaker 2: Please do. And again, biggest takeaway is how freakin incredible

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Speaker 2: our community are and how much we just do in

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Speaker 2: awe of all of you, and how appreciative I am

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Speaker 2: to get to talk to you all before you go

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Speaker 2: to Yeah, by the way, I get to spend so

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Speaker 2: much time, and I'm the greedy one and I love it.

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Speaker 4: Soon It's actually my favorite thing in the world. And

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Speaker 4: just like how diverse our stories are. Yeah, we all

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Speaker 4: have the same underlying set of values that we all

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Speaker 4: want financial freedom and we're all working towards that and

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Speaker 4: what that means for us.

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Speaker 5: And I just think so cool and I love it.

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Speaker 2: And we can't wait to share more of your stories

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Speaker 2: in twenty twenty three.

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Speaker 4: We're so excited talking about setting intentions for the new year.

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Speaker 4: Miss Jessegrici, let's recap the deep dive we talked about

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Speaker 4: investing personalities this week.

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Speaker 6: Yeah, so a little bit of an unofficial official list

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Speaker 6: of a way to break your I suppose investing style down.

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Speaker 6: We went through a list put together by a woman

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Speaker 6: named Kathleen Gurney quite a few years ago, and while

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Speaker 6: it's not I suppose an official classification, it was a

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Speaker 6: really interesting way of kind of breaking down the different

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Speaker 6: types of people. It had a fun kind of BuzzFeed

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Speaker 6: quiz vibe to it, and it was really interesting to

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Speaker 6: kind of look at the way that someone had kind

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Speaker 6: of stepped back and objectively categorized investors into their different

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Speaker 6: I suppose titles or groups and you could kind of

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Speaker 6: go through and we did, and we said, oh, I

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Speaker 6: feel like I might be this with a little bit

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Speaker 6: of this, and we put a really fun thread I

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Speaker 6: believe in the Facebook group the day that went up,

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Speaker 6: so everyone else could let us know what personality they

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Speaker 6: thought they had as well.

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Speaker 4: And it was so fun learning what you guys thought

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Speaker 4: you were. But also I think it was interesting talking

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Speaker 4: about it because I think the second, you know, how

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Speaker 4: like when you talk about, oh, what is your personality

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Speaker 4: and I'm like, IGT or whatever it is, I've lost

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Speaker 4: track of all the letters that are meant to be

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Speaker 4: in it. I feel like we sometimes get a label

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Speaker 4: and really stick with that. But the thing with investing

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Speaker 4: personalities are they're so driven by education and your life circumstances.

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Speaker 4: So like going through it, I was like, oh my gosh,

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Speaker 4: I used to definitely be this person, but I'm now

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Speaker 4: over here, and like, you know, in the future, I

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Speaker 4: might be somewhere else, because as you get older, priorities

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Speaker 4: change and things shift, and your education level increases hopefully

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Speaker 4: over time. And I just think one thing that I

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Speaker 4: really want to point out here when we're talking about

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Speaker 4: investing personalities is if you feel like you resonate with

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Speaker 4: a bucket, but you don't want to be resonating with

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Speaker 4: that bucket. It doesn't mean you can't change, It doesn't

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Speaker 4: mean you can't shift over to something else. It's not

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Speaker 4: a stagnant money personality that is going to be you know,

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Speaker 4: your label for life, which I think sometimes we take

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Speaker 4: a little bit too literally and that can be not

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Speaker 4: so positive.

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Speaker 2: Oh and you know my favorite part of this year

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Speaker 2: guys top lists of things don't ask me to make

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Speaker 2: my own. I love leading everyone else's And also little

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Speaker 2: personality quizzes and what am I and what do I

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Speaker 2: align with? That's I'm about stuff.

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Speaker 6: I love it.

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Speaker 4: Also, I do love a BuzzFeed quiz like hell, yeah,

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Speaker 4: which Disney princess are you like?

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Speaker 2: Ten out of ten?

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Speaker 4: I will always come out as well. We are going

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Speaker 4: to move on, though. I want to know, miss jessic RICI,

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Speaker 4: can you talk us through your budget? Direct money wins

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Speaker 4: of the week absolutely.

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Speaker 6: My first win this week comes from who Says money whin.

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Speaker 6: I bought a twenty dollars bottle of prosecco that came

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Speaker 6: with a twenty dollars adore beauty voucher from a scratch

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Speaker 6: off code, so I ordered some mini shampoo and conditioner

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Speaker 6: with free shipping, so the bottle of proscco was basically free.

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Speaker 4: So is the bottle of prosecco free? Or is the

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Speaker 4: stuff you were ordered from a door free?

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Speaker 2: Which one?

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Speaker 5: Is it going to be?

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Speaker 2: That's a good and you get, don't you usually get

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Speaker 2: like a free Tim Tam. It's so naughty.

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Speaker 4: One of my old hairdressers used to sell the shampoo

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Speaker 4: and conditioner that I used, and should always be like, oh,

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Speaker 4: do you need a top up? And I'd always say

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Speaker 4: no because I wanted to order it from the dogs.

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Speaker 4: I wanted the Ti Tam. It's just a nice little

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Speaker 4: sweet trip little treaty tree for doing the right thing

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Speaker 4: by ordering online. And then it was on shop backs

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Speaker 4: so I'll always get money back. It was just an

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Speaker 4: all round win. You know what else have you got

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Speaker 4: for us?

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Speaker 6: Jess big One from Bianca, who says a life win.

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Speaker 6: I purchased my first home all on my own.

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Speaker 5: Are you kidding?

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Speaker 6: I love hearing some exciting congratulations Vianka. That must be

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Speaker 6: the best feeling in the world. My next win come

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Speaker 6: from Sash who said money Win. I got to use

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Speaker 6: all of my glassware credits on Flybys through Colls to

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Speaker 6: get so much new fancy glassware for our new house.

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Speaker 6: But it was completely free.

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Speaker 2: I think it's fun.

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Speaker 4: I feel like that should just go to your cheer

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Speaker 4: win as well, because you're a Flybys queen.

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Speaker 6: We love a fly eyes win in this office absolutely.

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Speaker 4: How are you were your Flybys Now we're slowly building

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Speaker 4: them back up like where we are.

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Speaker 6: Oh, I don't have that many. I think I have

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Speaker 6: like maybe fifteen thousand, which sounds.

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Speaker 5: Me not that many. That's fifteen thousand more than I have.

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Speaker 6: That sounds like a lot, but it's not that many.

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Speaker 6: I'm saving for a Dyson. Previously, I got a kitchen

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Speaker 6: eate so yeah, which always to Witch Dyson, which every

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Speaker 6: one I can afford with my points.

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Speaker 2: Yeah, okay, I have. She's on the money to thank

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Speaker 2: for signing up to Flyby ccy that points taking episode

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Speaker 2: actually made me sign up to that for the first time.

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Speaker 5: We even influence our own team. Yeah, I love this.

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Speaker 2: I'm in now. I don't know how many points I have.

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Speaker 2: I'm still figuring it out, but yeah, I've started.

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Speaker 6: Yeah, that's so exciting.

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Speaker 5: Oh my gosh, you know, my partner used to work

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Speaker 5: for Flybyes and I still don't.

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Speaker 2: Have keep that one secret to do.

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Speaker 6: As she says, not as she does. Our next money

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Speaker 6: comes from April, who said, I got a partial scholarship

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Speaker 6: to a four day conference I really wanted to attend.

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Speaker 6: I was only going to be able to attend one day,

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Speaker 6: but with this I can attend all four I can

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Speaker 6: also claim the portion I pay for tax as it's

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Speaker 6: professional development for my job, a certain number of hours

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Speaker 6: are required each year and it's going to be heaps

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Speaker 6: of fun.

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Speaker 5: Oh my god, how good is that?

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Speaker 4: And that's a really good tip to always see if

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Speaker 4: there's a way to get a scholarship, yeah, or some

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Speaker 4: kind of support in that space, especially if you're a

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Speaker 4: student wanting to go to conferences. Like That's one of

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Speaker 4: my biggest tips when it comes to career is really

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Speaker 4: putting yourself out there to learn more about your industry

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Speaker 4: and like, what is the industry doing that you know,

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Speaker 4: maybe you could learn from or even network from, because conferences,

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Speaker 4: you know, who goes to conferences, People who already work

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Speaker 4: in the industry that you could potentially meet, might lead

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Speaker 4: to a job, might lead to you.

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Speaker 5: Having a better education might lead to just cool friend.

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Speaker 2: Let's be honest. Big Dog, Big Dog's.

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Speaker 6: Dog hashi yea one hundred percent And my last win

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Speaker 6: for to day is a fun one. It comes from

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Speaker 6: Kirston who said, money Win. We randomly got three tomato

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Speaker 6: bushes growing in our backyard, either from dog poop or

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Speaker 6: from someone throwing up eiway, I take it. We won't

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Speaker 6: have to buy tomatoes cans.

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Speaker 2: I'm sorry. Are they the only two reasons that natural

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Speaker 2: tomatoes happen in your yard?

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Speaker 6: I don't know if bees pollinate them, but it seems unlikely.

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Speaker 2: Vomiting or dog poop.

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Speaker 4: Someone lefted tomato in your garden from a wholesome barbecue

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Speaker 4: that you had. Tomato just slipped off their plate, out

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Speaker 4: of their burger and into your garden.

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Speaker 2: Like love it.

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Speaker 5: Someone bomited it.

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Speaker 6: I thought that was a perfect note to end the

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Speaker 6: money wins Old.

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Speaker 4: Yeah, that's very shees on the Money's we celebrate everything

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Speaker 4: here absolutely tomato.

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Speaker 5: I love that alright, Jess.

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Speaker 4: It was great celebrating some of your budget Direct Money Wins.

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Speaker 4: Budget Direct winner of Canstar's Insurer of the Year Award

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Speaker 4: twenty twenty two. Budget Direct Insurance sold, let's go to

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Speaker 4: a really quick break and on the other side, we

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Speaker 4: are going to deep dive into what's happening in the

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Speaker 4: finance world and also answer a question from someone who

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Speaker 4: loves their job that hates their page. Don't go anywhere, alrighty.

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Speaker 6: I saw a really interesting post recently talking about how

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Speaker 6: banks and other lenders are routinely discriminating against women who

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Speaker 6: apply for loans and credit cards whilst they're on paid

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Speaker 6: parental leave, which upfront sounds absolutely awful. Like this school stint,

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Speaker 6: we do not stand for discrimination in this house at all,

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Speaker 6: and we already know women who have taken time off

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Speaker 6: for parental leaver on the back foot so significantly already.

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Speaker 6: It seems like they don't need the additional layer of

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Speaker 6: them not being able to get a loan for their

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Speaker 6: house or if they need a car, or whatever that

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Speaker 6: might be. But I feel like it raises a bit

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Speaker 6: of an interesting conversation because as though I was reading

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Speaker 6: through the post, you know, there are a few examples

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Speaker 6: of women that they had interviewed as a part of

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Speaker 6: this process, and they were saying that, you know, they'd

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Speaker 6: been knocked back a couple of times. One woman particularly

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Speaker 6: said she'd be returning to work full time, but was

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Speaker 6: asked to get a letter from her employer to prove

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Speaker 6: that was the case, and after that she canceled her

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Speaker 6: load upation because she felt like that was discriminatory behavior.

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Speaker 6: But as I was kind of reflecting on it, I

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Speaker 6: thought about the fact that, you know, if I was

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Speaker 6: a bank, I would kind of want some kind of

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Speaker 6: proof as well, because I've got a friend who's just

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Speaker 6: recently gone on attorney even she was intending to be

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Speaker 6: gone for six months and it ended up being eighteen,

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Speaker 6: which I think is quite standard where you don't know,

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Speaker 6: You just don't know what's going to happen, or what

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Speaker 6: your personal circumstances, or maybe your partner decides that they're

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Speaker 6: gonna work full time and you're going to be a

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Speaker 6: stay at home pair. There are so many different ways

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Speaker 6: that it can go, and I was kind of wondering,

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Speaker 6: how do we classify I guess this behavior as discriminatory.

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Speaker 6: Is their room for a bank to be kind of

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Speaker 6: doing their due diligence, because I would almost compare this

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Speaker 6: to when we talk about after pay and we say, oh,

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Speaker 6: if someone kind of thought to pay their after pay,

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Speaker 6: they shouldn't be giving them, you know, that line of credit.

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Speaker 6: Would you consider this to be the same thing or

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Speaker 6: am I kind of not on the right track here.

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Speaker 4: I've got opinions, but given we've got Anna Lisa in

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Speaker 4: the house today, I want to know your opinion.

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Speaker 2: Feeling very big moral question, isn't it. It's fascinating how

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Speaker 2: much do we expect from our big companies to sort

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Speaker 2: of have an empathic approach to our circumstances and what

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Speaker 2: is classified as discrimination? Very good question, jay Rick. I mean,

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Speaker 2: I'm not a parent, and I'm actually well, I've got

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Speaker 2: my studio babies in here right now. You also have.

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Speaker 4: Yes Fay home correct, our little Burmeg's chalky boy who

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Speaker 4: is very needy.

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Speaker 2: Well, we could just talk all about him, do you

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Speaker 2: change she's.

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Speaker 6: On the cash?

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Speaker 2: Very good point about after pay and the due diligence

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Speaker 2: that a company does need to do when it's extending

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Speaker 2: a line of credit. But also totally impossible to detach

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Speaker 2: from empathy and concern around discrimination. As you said, all

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Speaker 2: of those points that you raised at the top, jay Rik, Like,

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Speaker 2: it's really complex, isn't it.

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Speaker 6: Yeah, And those I completely understand how as a woman

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Speaker 6: in that position as well, Like if you've had that experience, like,

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Speaker 6: it's not going to feel good. Like I have no

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Speaker 6: doubt that if I was in the same position, I

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Speaker 6: would probably be feeling exactly the same. It's only because

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Speaker 6: I was reading an article as a whole, as someone

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Speaker 6: with no personal attachment to the situation, that I kind

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Speaker 6: of was thinking about those kind of things.

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Speaker 2: You're a deep think it too.

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Speaker 6: Goot a few brains.

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Speaker 4: Yeah, I just find it really interesting because, yes, like

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Speaker 4: on the surface, it sounds terrible, right, women being asked

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Speaker 4: to justify their parental leave to get alone. You just go,

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Speaker 4: I'm offended. That is awful. But then on the flip side,

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Speaker 4: having worked in the finance space, it's actually the bank's

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Speaker 4: job to do their due diligence to make sure that

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Speaker 4: you know, Jess, we'll use you as a live example.

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Speaker 4: If you had a baby next week, I don't know

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Speaker 4: if it'll be six months or eighteen months, I don't know.

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Speaker 4: If you're planning on returning part time, can you actually

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Speaker 4: service that home loan? Is that something that's going to

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00:16:45,080 --> 00:16:48,080
Speaker 4: be considered in this circumstance, and if we're going to

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Speaker 4: call it discrimination, would they have asked a mail the

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Speaker 4: same thing and I know it's not as common for

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Speaker 4: men to take parental leave, but we're not calling it

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Speaker 4: maternity leave anymore. We're calling it parental leave because any

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Speaker 4: parent can take it. And I think the real question

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Speaker 4: here is if somebody was going to be in a

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Speaker 4: position where they're just taking parental leave, would the bank

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Speaker 4: ask this question regardless of gender, just because it's part

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Speaker 4: of their risk management plan? Because I want to make

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Speaker 4: sure that if I'm lending you money, Jess, you can

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Speaker 4: pay it back. It's good for them. It's also good

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Speaker 4: for you to have somebody doing their due diligence to

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Speaker 4: make sure that you're not going to be in a

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Speaker 4: compromised financial circumstance. Because if I look at it and go,

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Speaker 4: all right, well, maybe Jess will do this, this, and this,

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Speaker 4: I think it's fair to also go, well, you know,

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Speaker 4: if Steve and I had kids and he decided to

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Speaker 4: stay home, would they ask the same question of him?

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Speaker 4: And to be honest, I would fully expect if I

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Speaker 4: was going out to get a home loan like this

406
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Speaker 4: person was in this story, and the story was actually, Hey,

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Speaker 4: my male partner went out and applied for a home loan,

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Speaker 4: and he told the bank that he would be returning

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Speaker 4: to work full time, but he was asked to get

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Speaker 4: in a letter from his employer.

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Speaker 5: I actually would find that really stand it.

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Speaker 4: I would love to know more about why that person

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Speaker 4: withdrew their application.

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Speaker 5: I don't mean to be rude.

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Speaker 4: I think there is a conversation about discrimination and making

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Speaker 4: sure that circumstance isn't because it's our role to make

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Speaker 4: sure that doesn't happen. But let's say it's not. Why

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Speaker 4: did she cancel her loan application? Like, why wouldn't you

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Speaker 4: just go get a letter if you need a home loan?

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Speaker 4: Why wouldn't you go get a letter from your employer

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Speaker 4: to be like, well, yeah, no, no, no, sorry, the

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Speaker 4: plan is to come back after twelve months.

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Speaker 6: Well, I've heard in regards to home loans, I've heard

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Speaker 6: stories from friends who were not on maternity leave, but

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Speaker 6: they were in their probation period at work, and when

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Speaker 6: they applied for their home loan, something the bank requested

427
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Speaker 6: was a letter from their employer confirming that their probation

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Speaker 6: would be extended.

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Speaker 4: I've signed those letters before for people on our team

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Speaker 4: needing loans or car loans, or you know, going for

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Speaker 4: a home loan, and it makes sense because you're in

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Speaker 4: a risky period of your employment right now and the

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Speaker 4: bank just wants certainty that you're going to pay it back.

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Speaker 4: And I don't genuinely believe that it was ever about

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Speaker 4: the individual because they apply those things to the millions

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00:18:56,359 --> 00:18:59,280
Speaker 4: of customers that they have. Because if there's one Jess

437
00:18:59,359 --> 00:19:02,200
Speaker 4: that needed to take some leave and that's fine and

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Speaker 4: we don't know when she's coming back, that's not actually

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00:19:04,480 --> 00:19:07,199
Speaker 4: a big impact on the bank. But if there's one

440
00:19:07,280 --> 00:19:10,360
Speaker 4: hundred thousand Jesses all in the same circumstance, what does

441
00:19:10,400 --> 00:19:12,239
Speaker 4: the risk look like for that bank and what are

442
00:19:12,240 --> 00:19:15,040
Speaker 4: they actually taking on when they agree to that. So

443
00:19:15,160 --> 00:19:18,760
Speaker 4: from my perspective, I just think it's actually really smart,

444
00:19:18,800 --> 00:19:22,040
Speaker 4: and it comes under the responsible lending laws in Australia,

445
00:19:22,080 --> 00:19:25,680
Speaker 4: which actually requires our banking system to assess an overall

446
00:19:25,800 --> 00:19:30,040
Speaker 4: customers income and expenses and overall ability to pay back alone,

447
00:19:30,480 --> 00:19:33,320
Speaker 4: so that you're in the best possible position. Like the

448
00:19:33,400 --> 00:19:36,359
Speaker 4: responsible lending laws don't exist for the banks to be

449
00:19:36,400 --> 00:19:38,480
Speaker 4: in the best possible position. They exist to put the

450
00:19:38,520 --> 00:19:41,600
Speaker 4: consumer in the best possible position. I think in twenty

451
00:19:41,640 --> 00:19:45,560
Speaker 4: twenty two, given how strict our legal obligations are under

452
00:19:45,600 --> 00:19:48,760
Speaker 4: the Anti Discrimination Act, we actually need to go hmm,

453
00:19:49,000 --> 00:19:52,080
Speaker 4: is there more to this, like calling out bad behavior?

454
00:19:52,119 --> 00:19:52,639
Speaker 5: Where it is?

455
00:19:52,920 --> 00:19:55,080
Speaker 4: Because if this is just solely because you're a female

456
00:19:55,119 --> 00:19:56,520
Speaker 4: and we don't know if you'll go back to work,

457
00:19:56,800 --> 00:20:00,800
Speaker 4: that's disgusting. But I also think that a bank doing

458
00:20:00,800 --> 00:20:03,640
Speaker 4: their due diligence to protect them and protects you, there's

459
00:20:03,680 --> 00:20:04,520
Speaker 4: nothing wrong with that.

460
00:20:04,760 --> 00:20:08,480
Speaker 6: The same article sided another woman who had applied for

461
00:20:08,600 --> 00:20:11,680
Speaker 6: a credit card and apparently her credit card was automatically

462
00:20:11,720 --> 00:20:13,560
Speaker 6: canceled because she was on parental leave.

463
00:20:14,080 --> 00:20:14,320
Speaker 2: What.

464
00:20:14,640 --> 00:20:16,960
Speaker 6: Yeah, so that's where I kind of go, Okay, that's

465
00:20:17,000 --> 00:20:17,800
Speaker 6: a different story.

466
00:20:17,880 --> 00:20:18,840
Speaker 5: Exact thing like that.

467
00:20:18,920 --> 00:20:21,320
Speaker 6: I can see leaning a little bit more into it.

468
00:20:21,400 --> 00:20:24,560
Speaker 6: I suppose, Again, it depends on how far along that

469
00:20:24,840 --> 00:20:26,960
Speaker 6: application got. Because if they looked at the application and

470
00:20:27,000 --> 00:20:29,199
Speaker 6: they said, oh, based on your current income and the

471
00:20:29,200 --> 00:20:31,159
Speaker 6: fact that you're on parental leave, it's not feasible, and

472
00:20:31,200 --> 00:20:33,560
Speaker 6: then they canceled it, that would be one thing. But

473
00:20:33,600 --> 00:20:36,120
Speaker 6: if there was like an automatic thing in the back

474
00:20:36,200 --> 00:20:38,040
Speaker 6: end that goes, oh, you tick the box that says

475
00:20:38,080 --> 00:20:42,040
Speaker 6: I'm on parental leave immediate decline, that's when you would

476
00:20:42,080 --> 00:20:44,680
Speaker 6: go Okay, that seems like it's probably leaning into something

477
00:20:44,720 --> 00:20:47,240
Speaker 6: a little bit more discriminatory. I found it interesting that

478
00:20:47,280 --> 00:20:49,760
Speaker 6: this article put these two people side by side, because

479
00:20:49,800 --> 00:20:53,080
Speaker 6: to me, those are two very different sets of circumstances

480
00:20:53,119 --> 00:20:54,320
Speaker 6: to be finding yourselves in.

481
00:20:54,480 --> 00:20:56,679
Speaker 4: Yeah, I just it gives me a bit of the

482
00:20:56,720 --> 00:20:59,280
Speaker 4: ick the same way I think it's giving you the ick, Jess.

483
00:20:59,359 --> 00:21:02,000
Speaker 4: But I also do think that, yes, we need to

484
00:21:02,040 --> 00:21:05,960
Speaker 4: have bigger conversations about discrimination. Women and men on parental

485
00:21:06,040 --> 00:21:08,359
Speaker 4: leave are not treated as equally as they should be.

486
00:21:08,440 --> 00:21:11,800
Speaker 4: We are still not afforded exactly the same opportunities as

487
00:21:11,800 --> 00:21:15,399
Speaker 4: somebody who doesn't have children to look after. But also

488
00:21:15,560 --> 00:21:19,119
Speaker 4: I think we need to really understand that when a bank,

489
00:21:19,280 --> 00:21:22,200
Speaker 4: or when any kind of financial institution is offering any

490
00:21:22,280 --> 00:21:24,960
Speaker 4: type of line of credit, they are doing their due diligence.

491
00:21:24,960 --> 00:21:27,600
Speaker 4: And if they think that you're on parental leave and

492
00:21:27,840 --> 00:21:30,720
Speaker 4: therefore maybe have a reduced income, like what if you

493
00:21:30,760 --> 00:21:32,840
Speaker 4: work for a small business, like she's on the money,

494
00:21:32,840 --> 00:21:35,400
Speaker 4: that does not have the budget to be paying somebody

495
00:21:35,520 --> 00:21:38,119
Speaker 4: twelve months at full pay, Like what if that's the

496
00:21:38,160 --> 00:21:40,720
Speaker 4: company you work for, so instead of earning your one

497
00:21:40,800 --> 00:21:43,399
Speaker 4: hundred and thirty thousand dollars or whatever, you're earning you

498
00:21:43,480 --> 00:21:46,359
Speaker 4: go back down to minimum wage for the period of

499
00:21:46,359 --> 00:21:49,119
Speaker 4: time that you're on parental leave. Yeah, what if that

500
00:21:49,160 --> 00:21:51,680
Speaker 4: doesn't meet the criteria for you being able to happily

501
00:21:51,720 --> 00:21:55,200
Speaker 4: pay back your bills and your mortgage or your rent

502
00:21:55,440 --> 00:21:58,280
Speaker 4: and they've actually just ascertained the Okay, cool, while you're

503
00:21:58,280 --> 00:22:01,120
Speaker 4: on parental leave and you're actually own the earning minimum wage.

504
00:22:01,160 --> 00:22:04,800
Speaker 4: It's not financially viable to actually extendal another line of

505
00:22:04,800 --> 00:22:07,320
Speaker 4: credit to you. It's not the right thing to do. Yeah,

506
00:22:07,320 --> 00:22:09,199
Speaker 4: I don't know if that actually has anything to do

507
00:22:09,280 --> 00:22:11,439
Speaker 4: with gender. I actually think that has a lot to

508
00:22:11,480 --> 00:22:13,880
Speaker 4: do with our societal standards and how much we get

509
00:22:13,880 --> 00:22:15,680
Speaker 4: paid on maternity and paternity leave.

510
00:22:15,800 --> 00:22:18,239
Speaker 6: You'd want a bank to be lending responsibly the end

511
00:22:18,240 --> 00:22:19,560
Speaker 6: of the day, Like you don't want them to be

512
00:22:19,560 --> 00:22:20,840
Speaker 6: putting someone in a worse position.

513
00:22:20,960 --> 00:22:23,200
Speaker 4: Yeah, but I also don't want women to feel behind.

514
00:22:23,520 --> 00:22:25,720
Speaker 4: And I think that all of that makes sense. But

515
00:22:25,800 --> 00:22:29,040
Speaker 4: I would be interested to know the semantics of all

516
00:22:29,040 --> 00:22:31,560
Speaker 4: of those applications, And to be honest, I really think

517
00:22:31,600 --> 00:22:33,680
Speaker 4: that this is an opportunity for banks to come out

518
00:22:33,720 --> 00:22:36,680
Speaker 4: and be like, hey, they've spoken publicly about it. Here's

519
00:22:36,760 --> 00:22:39,840
Speaker 4: exactly how we would treat that application and why, Like

520
00:22:39,920 --> 00:22:41,920
Speaker 4: this is such an opportunity for them to go, no,

521
00:22:42,000 --> 00:22:44,560
Speaker 4: we were being responsible and I haven't seen that yet,

522
00:22:44,720 --> 00:22:46,960
Speaker 4: but them saying no, we were being responsible for the

523
00:22:46,960 --> 00:22:50,760
Speaker 4: following reasons, Like communication can go two ways, and I

524
00:22:50,760 --> 00:22:53,199
Speaker 4: think that the bank going hey, this is why, and

525
00:22:53,240 --> 00:22:54,800
Speaker 4: you might go Okay, that makes sense.

526
00:22:55,119 --> 00:22:57,120
Speaker 2: Yeah, transparency is always.

527
00:22:56,800 --> 00:23:01,800
Speaker 4: Good exactly or I get really heated about this conversation,

528
00:23:01,920 --> 00:23:03,960
Speaker 4: but I'm glad that my tone of voice and my

529
00:23:04,040 --> 00:23:06,720
Speaker 4: anger has ketched a lad on it. So let's move on.

530
00:23:07,000 --> 00:23:09,840
Speaker 4: We have a very exciting listener question this week?

531
00:23:09,880 --> 00:23:10,400
Speaker 5: What is it?

532
00:23:10,440 --> 00:23:10,680
Speaker 2: Ana?

533
00:23:10,720 --> 00:23:11,040
Speaker 5: Lisa?

534
00:23:13,240 --> 00:23:13,400
Speaker 2: Hi?

535
00:23:13,480 --> 00:23:15,920
Speaker 4: There, have you got a money dilemma you just can't

536
00:23:15,920 --> 00:23:18,600
Speaker 4: solve that She's on the Money Team is here to help.

537
00:23:18,960 --> 00:23:21,960
Speaker 4: Every week we tackle your dilemmas, both big and small,

538
00:23:22,000 --> 00:23:25,080
Speaker 4: to answer your most burning money, career and life questions.

539
00:23:25,280 --> 00:23:27,800
Speaker 4: To get involved, simply head to our website and leave

540
00:23:27,880 --> 00:23:30,000
Speaker 4: us a short voice recording and you might just find

541
00:23:30,000 --> 00:23:32,720
Speaker 4: yourself on the show. Now, let's take a listen to

542
00:23:32,760 --> 00:23:36,080
Speaker 4: this week's money dilemma.

543
00:23:36,280 --> 00:23:40,800
Speaker 7: Hi, Brinds, trust, I just need some advice. I absolutely

544
00:23:40,880 --> 00:23:45,439
Speaker 7: love my job, but I don't like the PIY What

545
00:23:45,840 --> 00:23:46,560
Speaker 7: should I do.

546
00:23:47,440 --> 00:23:50,480
Speaker 4: Oh my gosh, we'll get to that question. But if

547
00:23:50,480 --> 00:23:54,040
Speaker 4: you could read my bedtime stories every single night like that,

548
00:23:54,320 --> 00:23:55,880
Speaker 4: her voice was beautiful.

549
00:23:56,040 --> 00:23:57,960
Speaker 2: Yeah, what important.

550
00:23:57,480 --> 00:24:00,280
Speaker 5: Men and Analisa you were saying that she labeled.

551
00:24:00,280 --> 00:24:03,080
Speaker 2: She called herself lost soul, which I.

552
00:24:03,119 --> 00:24:05,320
Speaker 5: Was just like me, I'm going to pick you up

553
00:24:05,359 --> 00:24:06,040
Speaker 5: and hug you.

554
00:24:06,440 --> 00:24:08,280
Speaker 2: It's the end of the year, aren't we all sort

555
00:24:08,280 --> 00:24:10,440
Speaker 2: of like I mean, I always get into this trap

556
00:24:10,480 --> 00:24:14,560
Speaker 2: of thinking that from the first of January all of

557
00:24:14,560 --> 00:24:16,439
Speaker 2: my intentions will be said. I'll just have this new

558
00:24:16,560 --> 00:24:19,480
Speaker 2: energy in this new focus. It's just another day. So

559
00:24:19,520 --> 00:24:21,520
Speaker 2: I thought that this was really good because it's, like,

560
00:24:22,040 --> 00:24:24,239
Speaker 2: you know, it's a little reminder lots of people are

561
00:24:24,240 --> 00:24:26,600
Speaker 2: taking stock at this time of year. So perfect. Thank

562
00:24:26,600 --> 00:24:27,920
Speaker 2: you for getting in touch, lot soul.

563
00:24:28,200 --> 00:24:32,159
Speaker 4: Oh an Angel, what a hard question though, Like I

564
00:24:32,200 --> 00:24:34,320
Speaker 4: am so glad you have a job that you love.

565
00:24:34,520 --> 00:24:37,120
Speaker 4: I wish we had a little bit more context around

566
00:24:37,560 --> 00:24:39,800
Speaker 4: what your pay was, whether you just don't like it

567
00:24:39,840 --> 00:24:41,840
Speaker 4: because it's not enough to create the life you live,

568
00:24:41,920 --> 00:24:44,200
Speaker 4: but you are appropriately paid for the role that you do,

569
00:24:44,840 --> 00:24:47,399
Speaker 4: or the company you work for is absolutely taking the

570
00:24:47,400 --> 00:24:49,320
Speaker 4: mickey and you're meant to be paid eighty grand, but

571
00:24:49,359 --> 00:24:52,160
Speaker 4: you're actually on thirty grand and it's been an ongoing issue.

572
00:24:52,200 --> 00:24:53,760
Speaker 4: So I think that there's a lot to take into

573
00:24:53,840 --> 00:24:57,760
Speaker 4: consideration here. But when you're in a circumstance where you

574
00:24:57,840 --> 00:25:01,080
Speaker 4: adore your job but the pay just is cutting the mustard,

575
00:25:01,359 --> 00:25:03,600
Speaker 4: I feel like it can be a tricky position that

576
00:25:03,640 --> 00:25:05,640
Speaker 4: you end up staying in for a really long time

577
00:25:05,720 --> 00:25:08,560
Speaker 4: because you consistently justify it to yourself. And while the

578
00:25:08,560 --> 00:25:10,920
Speaker 4: grass can be greener on the other side, if you left,

579
00:25:10,960 --> 00:25:13,439
Speaker 4: I'm sure you could find another job very similar that

580
00:25:13,680 --> 00:25:16,600
Speaker 4: might remunerate you in a way that you are more comfortable.

581
00:25:17,040 --> 00:25:20,040
Speaker 4: I just feel like sometimes you get so emotionally connected

582
00:25:20,040 --> 00:25:22,680
Speaker 4: with the team you've got or the community you've got,

583
00:25:22,720 --> 00:25:25,000
Speaker 4: all the clients that you work with, that you're like,

584
00:25:25,119 --> 00:25:27,359
Speaker 4: I could never move on, And therefore we don't want

585
00:25:27,359 --> 00:25:29,520
Speaker 4: to rock the boat too much and advocate for ourselves

586
00:25:29,520 --> 00:25:31,360
Speaker 4: because oh what if they think that I don't love

587
00:25:31,400 --> 00:25:34,000
Speaker 4: my job because I'm trying to advocate for myself. So

588
00:25:34,040 --> 00:25:35,920
Speaker 4: it can be a little bit of a rock and

589
00:25:35,960 --> 00:25:38,639
Speaker 4: a hard place. But at this time of year, I

590
00:25:38,680 --> 00:25:42,000
Speaker 4: would be taking stock and going, well, I love my job,

591
00:25:42,240 --> 00:25:44,240
Speaker 4: but do I love my life outside? Of my job,

592
00:25:44,280 --> 00:25:47,800
Speaker 4: because your job isn't your life. And if the answer

593
00:25:47,880 --> 00:25:50,040
Speaker 4: is no, then I think we need to make some

594
00:25:50,160 --> 00:25:52,480
Speaker 4: shifts and either ask for a pay rise, and Jess,

595
00:25:52,480 --> 00:25:54,840
Speaker 4: we've done episodes on asking for a pay rise if

596
00:25:54,840 --> 00:25:57,600
Speaker 4: that's the circumstance, or maybe doing a bit of market

597
00:25:57,640 --> 00:26:00,919
Speaker 4: research to see where other roles are so that you

598
00:26:00,960 --> 00:26:03,480
Speaker 4: can negotiate better. I just think there's heaps of tips

599
00:26:03,480 --> 00:26:05,720
Speaker 4: and tricks that we've shared on the podcast before. But

600
00:26:06,040 --> 00:26:08,400
Speaker 4: an Alisa, what would happen if you loved your job

601
00:26:08,600 --> 00:26:09,760
Speaker 4: that you hated the pay.

602
00:26:09,720 --> 00:26:11,679
Speaker 2: Quick little backstory. I've come from a lot of like

603
00:26:11,800 --> 00:26:16,360
Speaker 2: arts music independent organizations where that has been my exact situation,

604
00:26:16,840 --> 00:26:19,240
Speaker 2: and I've either slogged it out and loved it, loved it,

605
00:26:19,280 --> 00:26:21,040
Speaker 2: loved it, loved it and then sort of slogged it

606
00:26:21,040 --> 00:26:24,000
Speaker 2: out till I've burnt out, and then I've not loved

607
00:26:24,000 --> 00:26:26,199
Speaker 2: it because really, at the end of the day, you

608
00:26:26,280 --> 00:26:30,320
Speaker 2: do deserve to get paid properly. Or I've had a

609
00:26:30,320 --> 00:26:34,000
Speaker 2: lot of kind of small freelance jobs where the kind

610
00:26:34,040 --> 00:26:36,600
Speaker 2: of the general current of work, like each job hasn't

611
00:26:36,640 --> 00:26:38,960
Speaker 2: paid that well, but like all together, I've gotten enough,

612
00:26:39,320 --> 00:26:44,080
Speaker 2: or I've worked well paying jobs and then gotten myself

613
00:26:44,080 --> 00:26:46,440
Speaker 2: a little bit of time outside so I can volunteer

614
00:26:46,600 --> 00:26:48,600
Speaker 2: or do stuff that does fill my cup. So I

615
00:26:48,640 --> 00:26:52,239
Speaker 2: think I've tried a whole bunch of stuff, and you know,

616
00:26:52,320 --> 00:26:54,600
Speaker 2: I think it's good to sort of think about those

617
00:26:54,640 --> 00:26:58,720
Speaker 2: different opportunities and obviously without knowing loss souls specific circumstance,

618
00:26:58,840 --> 00:27:01,440
Speaker 2: as you said, it's hard to but that's been my experience.

619
00:27:01,520 --> 00:27:03,520
Speaker 2: You know, there's lots of different ways that you can

620
00:27:04,280 --> 00:27:07,680
Speaker 2: rejig things even if your employer isn't in a position

621
00:27:07,880 --> 00:27:11,879
Speaker 2: to pay you more. But ultimately your happiness, it's the

622
00:27:11,920 --> 00:27:15,480
Speaker 2: whole pie, right, You're only one pie, does that make sense?

623
00:27:16,200 --> 00:27:20,439
Speaker 2: One pile? You can be happy at work, and if

624
00:27:20,440 --> 00:27:21,879
Speaker 2: you're not getting paid, I feel like that's going to

625
00:27:21,920 --> 00:27:22,640
Speaker 2: start to.

626
00:27:23,200 --> 00:27:24,880
Speaker 5: It starts eating away to everything else.

627
00:27:24,880 --> 00:27:26,920
Speaker 4: Eat away at the pie, Yeah, but it also eats

628
00:27:26,920 --> 00:27:29,040
Speaker 4: away so many other things, Like it eats away your

629
00:27:29,040 --> 00:27:32,200
Speaker 4: confidence and you know, your ability to create the life

630
00:27:32,280 --> 00:27:35,280
Speaker 4: you want outside of work. And I just think that, Yeah,

631
00:27:35,320 --> 00:27:37,720
Speaker 4: sometimes we adore our jobs and put all of our

632
00:27:37,760 --> 00:27:40,240
Speaker 4: eggs in one basket, but like at the end of

633
00:27:40,240 --> 00:27:43,200
Speaker 4: the day, I guarantee people aren't going to look back

634
00:27:43,240 --> 00:27:45,360
Speaker 4: and go, oh my gosh, x y Z was perfect

635
00:27:45,359 --> 00:27:47,040
Speaker 4: at her job. They're not going to remember that. They're

636
00:27:47,040 --> 00:27:49,199
Speaker 4: going to remember everything else about you. And I just

637
00:27:49,240 --> 00:27:52,639
Speaker 4: think that, yeah, we need to be only one pie

638
00:27:52,680 --> 00:27:55,400
Speaker 4: and preserve our pie.

639
00:27:56,520 --> 00:27:59,399
Speaker 5: What type of pie are you? You only pumpkin pie?

640
00:28:00,080 --> 00:28:01,120
Speaker 2: I'm not a pumpkin part.

641
00:28:03,480 --> 00:28:04,400
Speaker 5: You're wearing orange.

642
00:28:04,560 --> 00:28:06,280
Speaker 6: I know what you are. You're a cherry part.

643
00:28:06,400 --> 00:28:09,760
Speaker 2: Am I a cherry You're very I was going to

644
00:28:09,800 --> 00:28:15,520
Speaker 2: say I'm a meat pie, but just like I'll be

645
00:28:15,560 --> 00:28:17,280
Speaker 2: a sweet cherry pie. How you jek?

646
00:28:17,720 --> 00:28:20,760
Speaker 6: I fully agree with what Victoria said about how she's

647
00:28:20,800 --> 00:28:23,760
Speaker 6: a sweet cherry part. Absolutely, but also, your job is

648
00:28:23,800 --> 00:28:25,800
Speaker 6: only one element of you. And I think there's a

649
00:28:25,840 --> 00:28:30,679
Speaker 6: lot of conversation around how you know employees are replaceable,

650
00:28:30,720 --> 00:28:32,840
Speaker 6: and you know, a lot of businesses really take that view,

651
00:28:33,280 --> 00:28:36,560
Speaker 6: but not often do we say so jobs. Much as

652
00:28:36,640 --> 00:28:39,280
Speaker 6: you love your job, if you're not being valued, or

653
00:28:39,280 --> 00:28:41,840
Speaker 6: if you're not being fulfilled, or if you're not being

654
00:28:41,920 --> 00:28:44,720
Speaker 6: paid the way that you should be, I can almost

655
00:28:44,760 --> 00:28:46,920
Speaker 6: guarantee you that if you're a good worker, there's someone

656
00:28:46,920 --> 00:28:49,120
Speaker 6: else out there who is going to pay you the

657
00:28:49,160 --> 00:28:51,480
Speaker 6: way that you deserve to be. And right now, it

658
00:28:51,560 --> 00:28:53,720
Speaker 6: is a job seekers market like it is as someone

659
00:28:53,760 --> 00:28:55,320
Speaker 6: who used to work in recruitment and has a lot

660
00:28:55,360 --> 00:28:58,160
Speaker 6: of friends who still do, it is a tough time

661
00:28:58,200 --> 00:29:00,920
Speaker 6: out there to find good employees. And so I would

662
00:29:01,040 --> 00:29:03,600
Speaker 6: argue that if you walked away, there would be a

663
00:29:03,640 --> 00:29:07,320
Speaker 6: good chance that you could negotiate yourself a better opportunity

664
00:29:07,520 --> 00:29:11,040
Speaker 6: more pay whatever you want, hopefully in a space that

665
00:29:11,200 --> 00:29:13,560
Speaker 6: is still really fulfilling and that you still are able

666
00:29:13,680 --> 00:29:16,280
Speaker 6: to really enjoy, Because I do think as much as

667
00:29:16,280 --> 00:29:19,920
Speaker 6: people say money doesn't play happiness, it is an important

668
00:29:19,920 --> 00:29:23,560
Speaker 6: element to your happiness, and I fully believe that, Like

669
00:29:23,640 --> 00:29:27,400
Speaker 6: I think, if you're not being remunerated, well, it becomes

670
00:29:27,440 --> 00:29:29,560
Speaker 6: hard to pay your rent, it becomes hard to buy

671
00:29:29,560 --> 00:29:33,560
Speaker 6: your groceries with inflation, and that in itself is stressful,

672
00:29:33,560 --> 00:29:35,280
Speaker 6: and then that's going to bleed into how you feel

673
00:29:35,320 --> 00:29:37,520
Speaker 6: the rest of the time. And so I think that

674
00:29:38,200 --> 00:29:39,920
Speaker 6: if that's a really big sticking point for you, and

675
00:29:39,920 --> 00:29:41,760
Speaker 6: I think if it's bad enough that you're writing into

676
00:29:41,840 --> 00:29:44,720
Speaker 6: us to get advice, my advice would be listen to

677
00:29:44,720 --> 00:29:47,080
Speaker 6: those episodes, try and negotiate a pay rise if you

678
00:29:47,160 --> 00:29:49,920
Speaker 6: can see if there's an opportunity to upskill or get

679
00:29:49,920 --> 00:29:52,360
Speaker 6: a promotion or do something so that you can stay

680
00:29:52,400 --> 00:29:55,120
Speaker 6: in your job. But if push comes to shove, don't

681
00:29:55,120 --> 00:29:56,320
Speaker 6: be afraid to go somewhere else.

682
00:29:56,440 --> 00:29:59,320
Speaker 2: Yeah, this should be a temporary state for you, absolutely,

683
00:30:00,160 --> 00:30:00,920
Speaker 2: not a place for you to do.

684
00:30:01,160 --> 00:30:02,160
Speaker 5: We don't live forever.

685
00:30:02,600 --> 00:30:04,280
Speaker 4: We're just living here for a little bit, for a

686
00:30:04,320 --> 00:30:07,479
Speaker 4: little holiday that we didn't enjoy it all.

687
00:30:06,560 --> 00:30:06,640
Speaker 1: Ye.

688
00:30:08,200 --> 00:30:10,640
Speaker 4: I also think you, like, while we're talking about that,

689
00:30:11,360 --> 00:30:13,440
Speaker 4: just because you go looking for a new job doesn't

690
00:30:13,480 --> 00:30:14,280
Speaker 4: mean you have to take it.

691
00:30:14,800 --> 00:30:14,880
Speaker 1: Like.

692
00:30:14,920 --> 00:30:17,040
Speaker 4: I think that doing a bit of market research and

693
00:30:17,120 --> 00:30:20,120
Speaker 4: going on seek and going and finding, you know, different

694
00:30:20,200 --> 00:30:22,560
Speaker 4: job descriptions and even having a chat to a recruiter

695
00:30:22,640 --> 00:30:23,760
Speaker 4: about well what could I earn?

696
00:30:23,800 --> 00:30:24,480
Speaker 5: What would I do?

697
00:30:24,720 --> 00:30:27,800
Speaker 4: Like, that's actually a really powerful position to be in,

698
00:30:27,880 --> 00:30:29,720
Speaker 4: to be shopping around for a new job when you

699
00:30:29,760 --> 00:30:32,680
Speaker 4: don't actually want like a new one. When you're doing that,

700
00:30:32,800 --> 00:30:36,440
Speaker 4: you're in this I guess position where you're negotiating exactly

701
00:30:36,480 --> 00:30:38,360
Speaker 4: what you want and where you want to be and

702
00:30:38,400 --> 00:30:41,600
Speaker 4: what that might look like so that you can create

703
00:30:41,680 --> 00:30:43,600
Speaker 4: that role you like. And if you go no, actually

704
00:30:44,080 --> 00:30:46,440
Speaker 4: for that pay, I don't like, I'll work it out.

705
00:30:46,960 --> 00:30:49,840
Speaker 4: I love my job too much to leave because that

706
00:30:49,960 --> 00:30:52,440
Speaker 4: might happen. Great, you've got further clarity, you know where

707
00:30:52,440 --> 00:30:55,360
Speaker 4: you stand, or you might go and be like far out.

708
00:30:55,400 --> 00:30:57,720
Speaker 4: That's exactly what I was looking for. I've met a

709
00:30:57,720 --> 00:31:00,240
Speaker 4: few people in the team. I think they're elite, really

710
00:31:00,240 --> 00:31:02,400
Speaker 4: want to work with them. The remuneration is great. Like,

711
00:31:02,440 --> 00:31:04,520
Speaker 4: I just don't think there's any shame in shopping around

712
00:31:04,520 --> 00:31:06,640
Speaker 4: if you feel that way, and like, that's kind of

713
00:31:06,640 --> 00:31:08,680
Speaker 4: on your employer for not meeting your needs.

714
00:31:08,720 --> 00:31:09,440
Speaker 2: So true.

715
00:31:09,720 --> 00:31:11,600
Speaker 5: Oh my goodness, I think that's where we've got to

716
00:31:11,640 --> 00:31:11,960
Speaker 5: leave it.

717
00:31:12,520 --> 00:31:14,800
Speaker 2: One little sneaky surprise to you. Before the end of

718
00:31:14,800 --> 00:31:16,160
Speaker 2: the year, you thought that this show was over.

719
00:31:16,240 --> 00:31:18,400
Speaker 5: Usually you just closed the show. I just closed the

720
00:31:18,400 --> 00:31:19,240
Speaker 5: show we had done.

721
00:31:19,400 --> 00:31:22,520
Speaker 2: Guess what though, I'm the producer, so I'm here. Oh,

722
00:31:23,520 --> 00:31:26,920
Speaker 2: we've been working away on a little something something well

723
00:31:27,760 --> 00:31:30,360
Speaker 2: myself the fabulous shout out to Sam.

724
00:31:30,600 --> 00:31:31,640
Speaker 5: Jesse, you've been involved in this.

725
00:31:31,880 --> 00:31:32,480
Speaker 6: I have no idea.

726
00:31:33,240 --> 00:31:35,320
Speaker 2: This is a complete surprise, but I want to shout

727
00:31:35,320 --> 00:31:39,920
Speaker 2: out Sam and Ryan to our amazing other audio producer guys.

728
00:31:40,000 --> 00:31:40,840
Speaker 5: I believe they're.

729
00:31:40,640 --> 00:31:42,600
Speaker 2: Called We just thought. I don't know. There's so many

730
00:31:42,640 --> 00:31:45,720
Speaker 2: great moments that happen off Mike and I just thought

731
00:31:45,760 --> 00:31:48,240
Speaker 2: that we'd surprise you guys with a little bit of

732
00:31:48,280 --> 00:31:49,800
Speaker 2: a taste of behind the scenes.

733
00:31:50,160 --> 00:31:54,200
Speaker 4: She's on the money on Is this like off Mike comments?

734
00:31:54,760 --> 00:31:57,160
Speaker 2: I didn't quite make to cut. Oh, I think you're

735
00:31:57,160 --> 00:32:01,000
Speaker 2: going to enjoy those. Oh no, everyone out there is

736
00:32:01,000 --> 00:32:02,040
Speaker 2: going to really enjoy.

737
00:32:01,840 --> 00:32:04,400
Speaker 5: It, so maybe we're not. This is in the spirit

738
00:32:04,400 --> 00:32:06,560
Speaker 5: of New Year. K you me right. So whoever whoever

739
00:32:06,600 --> 00:32:07,800
Speaker 5: said these comments.

740
00:32:07,520 --> 00:32:11,120
Speaker 6: Was like in twenty for improvement, just rip the band

741
00:32:11,160 --> 00:32:12,480
Speaker 6: aid off. Oh, let's do it.

742
00:32:16,320 --> 00:32:18,400
Speaker 2: When it's time to record, she's on the money. The

743
00:32:18,440 --> 00:32:21,240
Speaker 2: whole team rocks up, gets in the studio and has

744
00:32:21,320 --> 00:32:25,040
Speaker 2: all their scripts ready. However, sometimes it can take a

745
00:32:25,080 --> 00:32:28,000
Speaker 2: while to start and they don't seem to realize the

746
00:32:28,040 --> 00:32:28,560
Speaker 2: mics are on.

747
00:32:29,040 --> 00:32:32,120
Speaker 6: I don't think I'm on testing one too. I can't

748
00:32:32,160 --> 00:32:33,760
Speaker 6: hear myself. Is it up?

749
00:32:34,400 --> 00:32:34,960
Speaker 2: Great question?

750
00:32:37,120 --> 00:32:37,600
Speaker 6: Can I hit you?

751
00:32:38,040 --> 00:32:38,160
Speaker 1: Oh?

752
00:32:38,240 --> 00:32:40,920
Speaker 5: You're welcome. I'm a fucking check genius, guys.

753
00:32:40,960 --> 00:32:41,960
Speaker 2: I got a nude yodur in.

754
00:32:42,000 --> 00:32:45,800
Speaker 4: It smells so good, but I don't it works.

755
00:32:46,160 --> 00:32:48,720
Speaker 5: What did you say? What's that porn website?

756
00:32:48,720 --> 00:32:50,240
Speaker 2: It's like the biggest one pornhub.

757
00:32:50,680 --> 00:32:51,200
Speaker 6: Porn hup?

758
00:32:51,720 --> 00:32:56,360
Speaker 4: Why do you guys know that's okay, so porn, Hello

759
00:32:56,400 --> 00:32:57,320
Speaker 4: and welcome.

760
00:32:58,640 --> 00:33:00,760
Speaker 6: I thought that was really can you just.

761
00:33:04,640 --> 00:33:05,600
Speaker 5: She's lost her touch?

762
00:33:06,280 --> 00:33:10,680
Speaker 2: But we do eventually get started. Unfortunately, the human body

763
00:33:10,800 --> 00:33:13,800
Speaker 2: sometimes has a mind of its own, and it's no

764
00:33:13,920 --> 00:33:15,520
Speaker 2: exception for our team.

765
00:33:15,560 --> 00:33:17,400
Speaker 5: But I think the one thing I am going to

766
00:33:17,480 --> 00:33:18,680
Speaker 5: burb too.

767
00:33:20,120 --> 00:33:21,800
Speaker 2: No more coax ladies.

768
00:33:22,000 --> 00:33:24,240
Speaker 4: Deeply enough to be able to say, oh my gosh,

769
00:33:25,520 --> 00:33:29,080
Speaker 4: you can write I did it really quietly. This feels

770
00:33:29,080 --> 00:33:31,040
Speaker 4: like it's going to be a wild one. So let's

771
00:33:31,040 --> 00:33:33,400
Speaker 4: start off the way we always do. Can you tell

772
00:33:33,480 --> 00:33:36,280
Speaker 4: us a little bit about.

773
00:33:35,920 --> 00:33:40,000
Speaker 2: That's cute, although it's not always the humans and the

774
00:33:40,040 --> 00:33:43,520
Speaker 2: team letting out a bit of gas. Victoria's dog Lucy

775
00:33:43,600 --> 00:33:46,800
Speaker 2: is the silent member of the team in studio, silent

776
00:33:47,320 --> 00:33:48,920
Speaker 2: and sometimes deadly.

777
00:33:49,760 --> 00:33:52,440
Speaker 5: Whether that's an email that you sent to just did

778
00:33:52,440 --> 00:33:53,320
Speaker 5: my dog just fast?

779
00:33:55,640 --> 00:34:00,479
Speaker 4: So she just started I could sorry, I read it

780
00:34:00,520 --> 00:34:01,600
Speaker 4: on Jess's face.

781
00:34:02,560 --> 00:34:04,360
Speaker 2: Once that's out of the way, though, the girls get

782
00:34:04,360 --> 00:34:06,760
Speaker 2: into recording, but it can be a struggle to get

783
00:34:06,760 --> 00:34:07,400
Speaker 2: the words out.

784
00:34:08,320 --> 00:34:14,200
Speaker 4: They will be chiming in intermittently. Intermittently we are intermittently.

785
00:34:14,320 --> 00:34:17,000
Speaker 4: I want to ask the first question, which is why

786
00:34:17,000 --> 00:34:18,600
Speaker 4: I can I have a voice sto see I can't

787
00:34:18,600 --> 00:34:19,840
Speaker 4: even record a podcasts.

788
00:34:21,440 --> 00:34:25,600
Speaker 2: And of course Victoria is always prepared, especially for her

789
00:34:25,640 --> 00:34:26,640
Speaker 2: Friday Drinks intro.

790
00:34:27,680 --> 00:34:30,240
Speaker 4: And we're going to help answer a very juicy money question.

791
00:34:31,360 --> 00:34:35,800
Speaker 4: What's this week's question again all about Finder? Oh yeah yeah.

792
00:34:35,840 --> 00:34:38,040
Speaker 4: And we're going to help answer another one of our

793
00:34:38,120 --> 00:34:40,440
Speaker 4: juicy money questions, which this week.

794
00:34:40,280 --> 00:34:42,600
Speaker 5: Is all about celebrating this moats.

795
00:34:42,800 --> 00:34:45,160
Speaker 4: And we are going to be helping to answer a juicy,

796
00:34:45,239 --> 00:34:48,920
Speaker 4: juicy money question, which this week is all about hold on,

797
00:34:49,000 --> 00:34:49,799
Speaker 4: was it help?

798
00:34:50,400 --> 00:34:52,760
Speaker 2: This one is all about.

799
00:34:53,719 --> 00:34:54,879
Speaker 5: Being paid for only yep.

800
00:34:55,760 --> 00:34:59,960
Speaker 2: Otherwise the team is incredibly professional, except for when they're not.

801
00:35:00,800 --> 00:35:04,120
Speaker 5: I like the sound of the peg situation. You do

802
00:35:04,160 --> 00:35:11,520
Speaker 5: you like a good peg? I did not realize what

803
00:35:11,560 --> 00:35:12,080
Speaker 5: I just said.

804
00:35:14,239 --> 00:35:17,360
Speaker 6: But if you're in somewhere like India or Bali and

805
00:35:17,440 --> 00:35:19,920
Speaker 6: so many people are like, oh I'll ship my pants

806
00:35:20,000 --> 00:35:23,600
Speaker 6: if I probably.

807
00:35:23,320 --> 00:35:27,400
Speaker 5: Don't, George, what is it? Time for it's money dilemma time.

808
00:35:31,719 --> 00:35:34,400
Speaker 5: That introduction felt very much like which window are we

809
00:35:34,440 --> 00:35:34,759
Speaker 5: gonna do?

810
00:35:36,719 --> 00:35:37,680
Speaker 6: Any other tips? There?

811
00:35:37,920 --> 00:35:38,160
Speaker 3: VD?

812
00:35:40,080 --> 00:35:43,200
Speaker 5: Have you got any tips you travel your stinge?

813
00:35:43,800 --> 00:35:46,440
Speaker 2: We can't wait for more chaos and fun with She's

814
00:35:46,480 --> 00:36:07,520
Speaker 2: on the Money in twenty twenty three. See you next year. Oh,

815
00:36:07,640 --> 00:36:10,200
Speaker 2: Georgia King, she did love to talk about ship stories.

816
00:36:12,760 --> 00:36:14,800
Speaker 5: Apparently I swear like a trooper.

817
00:36:15,239 --> 00:36:16,680
Speaker 2: I can tell you that you absolutely do.

818
00:36:19,360 --> 00:36:22,719
Speaker 5: Thank you for that was a lot of fun, Jess.

819
00:36:22,760 --> 00:36:24,640
Speaker 4: I feel like you did not get thrown under the

820
00:36:24,680 --> 00:36:27,080
Speaker 4: bus nearly as much as you should have been.

821
00:36:26,960 --> 00:36:28,080
Speaker 6: Because I'm a delight.

822
00:36:28,840 --> 00:36:31,880
Speaker 4: Yeah. I am going to be taking that up with

823
00:36:32,000 --> 00:36:35,560
Speaker 4: Sam and Ryan later and where that is, and then.

824
00:36:35,440 --> 00:36:37,200
Speaker 5: I'm going to make her show reel of stuff.

825
00:36:37,280 --> 00:36:41,359
Speaker 2: Jess said, Well, so many good moments, so much fun

826
00:36:41,400 --> 00:36:44,799
Speaker 2: this year, ladies, and we will now we are actually done.

827
00:36:45,160 --> 00:36:46,560
Speaker 2: I think I think I can say that.

828
00:36:46,480 --> 00:36:50,000
Speaker 5: We're done that all right, We're done. See you next year, guys. Happy, Yeah,

829
00:36:56,239 --> 00:36:57,640
Speaker 5: did buy shared on cheese.

830
00:36:57,680 --> 00:36:59,920
Speaker 4: On the Money is general in nature and does not

831
00:37:00,120 --> 00:37:04,320
Speaker 4: consider your individual circumstances. She's on the Money exists purely

832
00:37:04,320 --> 00:37:07,279
Speaker 4: for educational purposes and should not be relied upon to

833
00:37:07,320 --> 00:37:10,640
Speaker 4: make an investment or financial decision. If you do choose

834
00:37:10,680 --> 00:37:13,600
Speaker 4: to buy a financial product, read the PDS TMD and

835
00:37:13,719 --> 00:37:15,560
Speaker 4: obtain appropriate financial.

836
00:37:15,160 --> 00:37:16,920
Speaker 5: Advice tailored towards your needs.

837
00:37:17,280 --> 00:37:21,240
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

838
00:37:21,280 --> 00:37:25,399
Speaker 4: of Money Sheper pty Ltd ABN three two one six

839
00:37:25,480 --> 00:37:29,359
Speaker 4: four nine two seven seven zero eight AFSL four five

840
00:37:29,440 --> 00:37:32,840
Speaker 4: one two eight nine