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Speaker 1: Hello.

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

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

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

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

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

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

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

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

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money Podcast, Millennials

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Speaker 4: who want financial freedom. Welcome back to another Shopback Money

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Speaker 4: Diary Monday, where we get to chat to one of

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Speaker 4: our beautiful community members to learn all about them and

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Speaker 4: their story and their life and all of the little

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Speaker 4: bits and pieces in between. Victoria, Hello, how are you going.

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Speaker 4: I'm very excited for this one. I'm glad to hear

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Speaker 4: it because I think it's going to be a goodie.

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Speaker 4: Let me tell you all about our diarist. She said,

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Speaker 4: I grew up with a single Mum, who gave me

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Speaker 4: everything I needed or wanted. Mom didn't have assets to

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Speaker 4: her own name and was lucky to have married someone

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Speaker 4: who did. I decided I didn't want to have to

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Speaker 4: rely on a partner. I bought my first house, which

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Speaker 4: I now rent to my grandparents, who have had a

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Speaker 4: really tough financial journey. My second property was bought with

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Speaker 4: the equity from my first. Everything I have worked for myself,

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Speaker 4: and I have started my investment journey. I've listened to

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Speaker 4: every episode of the pod, and my partner, who is

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Speaker 4: in an associate financial advisor, is super impressed with how

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Speaker 4: much knowledge I've acquired. I can't wait to share my

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Speaker 4: story with the community.

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Speaker 3: Oh my gosh, associate financially advise a girlfriend? You were

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Speaker 3: doing well?

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Speaker 5: He's pretty good.

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Speaker 3: Oh, welcome to the show. I am so excited about

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Speaker 3: your story. You sound this is gonna sound obviously I

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Speaker 3: haven't gotten to know you yet, but like you just

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Speaker 3: sound so wholesome, Like I'm leasing my property to my grandparents.

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Speaker 1: Like that's the best ever. So money darist? Is it okay?

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Speaker 1: If we just jumped straight in?

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Speaker 5: Sure?

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Speaker 1: All right? The first question I.

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Speaker 3: Have for you, as always is can you tell us

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Speaker 3: a little bit about your money story.

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Speaker 6: Yeah, of course, So I grew up with a single

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Speaker 6: mum always had what I needed and more. I remember

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Speaker 6: when I was young, before I was old enough to

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Speaker 6: get a job, I desperately wanted one so bad, so

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Speaker 6: as soon as I was old enough, I did.

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Speaker 5: From then on, I was very independent with my money.

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Speaker 6: I never asked my mom for money or borrowed or

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Speaker 6: anything like that. However, when I was in my teenage years,

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Speaker 6: my mum got married to a man who I had

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Speaker 6: very different values with, but he was already set up financially,

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Speaker 6: I suppose, so she was quite lucky in that aspect.

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Speaker 6: But when I was sixteen, for my mental health, I

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Speaker 6: had to move in with my grandparents, and also my

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Speaker 6: grandparents whilst they were married, they were only together for

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Speaker 6: the convenience, so I suppose they're part of the reasons

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Speaker 6: why I wanted to make sure that I was financially

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Speaker 6: set up myself before meeting a partner, so that if

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Speaker 6: I was ever in a situation, in an unhappy situation

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Speaker 6: or whatever, that I always had myself to fall back on.

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Speaker 6: And I guess that's part of the reason why she's

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Speaker 6: on the money has been such a very exciting thing

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Speaker 6: for me to find.

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Speaker 3: Oh, I've got so many questions about that, but jessel

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Speaker 3: jump down my throat if I try and ask them. Now.

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Speaker 3: So next question, I want to know what do you

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Speaker 3: do for work and how much money do you earn?

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Speaker 5: Yes?

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Speaker 6: So I am a sales manager for a chocolate company

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Speaker 6: and dream job. Yeah, it's pretty pretty good. We've got

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Speaker 6: some pretty good things that we sell and I earned

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Speaker 6: seventy five K plus.

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Speaker 5: Super and I also have a company car with.

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Speaker 1: That to sell chocolates. Turn out of ten. Let me

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Speaker 1: know when you're next hiring.

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Speaker 3: I am in my friend all right, I want to

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Speaker 3: know next what is currently your big money goal?

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Speaker 6: So now I'm pretty much just trying to get myself

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Speaker 6: set up to be financially free, to be set up

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Speaker 6: for retirement.

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Speaker 3: I suppose smart and to be a little bit pervy.

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Speaker 3: What steps are you taking for that? Are we, you know,

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Speaker 3: working towards it in terms of just like aspirationally or

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Speaker 3: are you investing or are you you know, loading up.

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Speaker 1: Your super What does that look like?

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Speaker 6: So I already have an investment property and me and

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Speaker 6: my partner just bought our next one, which we've just

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Speaker 6: moved into and I have started trying to invest in

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Speaker 6: shares so in the early days of that, but I

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Speaker 6: would like to invest more at shares.

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Speaker 3: Oh, I thought you might say that. That is the

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Speaker 3: next question on our list. What do you currently invest in?

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Speaker 1: My love?

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Speaker 6: Yes, so I have investment property which my grandparents are

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Speaker 6: living in the house that I've got. Now I've got

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Speaker 6: quite a decent super because I worked as soon as

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Speaker 6: I I started fourteen I suppose for my age, and

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Speaker 6: then I got three thousand dollars in comseck, which I've

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Speaker 6: just started.

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Speaker 1: Oh, very cool. How did you choose com Seck?

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Speaker 2: Like?

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Speaker 1: Why that platform? Where did that come from?

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Speaker 6: As mentioned, my partner is an associate financial advisor, so

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Speaker 6: I guess he sort of steered me in that direction,

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Speaker 6: and also hearing it about on the podcast sort of

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Speaker 6: made sense for me.

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Speaker 3: I had a sneaky suspicion you might be like, well,

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Speaker 3: my partner, and I was like, so pervy to know

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Speaker 3: if he was involved in your investment decisions or not,

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Speaker 3: because you know, you best believe I'm quite in depth

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Speaker 3: with Steves. Yeah, all right, I want to know next question,

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Speaker 3: do you currently have any debt?

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Speaker 1: If so, what is it and how much do you have.

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Speaker 6: Yes, so I have three hundred and forty K on

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Speaker 6: my investment property, and then seven hundred and.

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Speaker 5: Fifty k on the house that I bought with my.

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Speaker 6: Partner, which we share. So my investment property is mine solely,

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Speaker 6: and then the one that we're living in now is

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Speaker 6: our shared one.

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Speaker 5: And that is it.

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Speaker 1: I love it.

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Speaker 3: Queen behavior. Tell me a little bit more about these debts.

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Speaker 3: I want to know what are the properties worth, because

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Speaker 3: it's a different story if you're like I OWE seven

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Speaker 3: hundred grand, and you know we only recently bought it.

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Speaker 3: To I OW seven hundred grand, I bought it for

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Speaker 3: five million dollars. Like those two situations quite different. I

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Speaker 3: would like still more detail, my friend.

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Speaker 6: Yes, so my investment property is probably worth about six

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Speaker 6: hundred to six hundred and forty thousands, so only oh,

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Speaker 6: three hundred and forty thousand on that, and then on

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Speaker 6: the one that we've just bought, we bought for seven

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Speaker 6: hundred and thirty five. We also use the equity in

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Speaker 6: my first property to buy this one.

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Speaker 1: Very cool, all right.

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Speaker 3: Next question I have is more along the shopping line.

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Speaker 1: Do you currently use shot back?

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Speaker 5: Yes? I do, I currently have. I think about ninety dollars.

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Speaker 3: Pending ninety bucks. That's a lot of cash. Older, I

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Speaker 3: like that. What have you been buying to save that up?

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Speaker 6: When we moved, we bought a new outdoor set and

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Speaker 6: a dining table from Freedom, So I think I got

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Speaker 6: about sixty seven dollars back just on that, which was good.

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Speaker 3: Yet that's actually so good. Sixty seven dollars. That's like

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Speaker 3: all the throw cushions or something like. That's so good.

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Speaker 5: And I got one hundred and fifty dollars gift card

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Speaker 5: from Freedom as well for buying that. So Oh booked

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Speaker 5: out very nice.

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Speaker 1: Free cushions for everybody. We love to see it.

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Speaker 3: Next question I've got, I want to know what is

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Speaker 3: your best money habit?

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Speaker 2: Ah?

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Speaker 6: Yes, I pretty much refuse to buy anything unless it's

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Speaker 6: on special. If I can't find a discount code online,

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Speaker 6: I will find one Otherwise shot back will be my fallback.

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Speaker 6: And I'm pretty much the same when I do groceries.

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Speaker 6: If it's not on special at Coals one week, I

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Speaker 6: know it, we'll be on special at WLLL worst that

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Speaker 6: same week, or I switch it around, depending.

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Speaker 1: But Yeah, she's smart. I love it.

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Speaker 3: Let's flip the narrative though, what do you think your

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Speaker 3: worst money habit is.

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Speaker 6: I believe that my taste is probably a little bit

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Speaker 6: more expensive than my budget, so sometimes I will splurge

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Speaker 6: a little bit here and there. I think I got

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Speaker 6: the mindset of splurging once I bought my first house.

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Speaker 6: I was like, yes, I have a house. I can

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Speaker 6: go and do whatever I want now with my money.

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Speaker 6: But I've soon realized that just having an investment property

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Speaker 6: doesn't necessarily mean I'm set up just.

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Speaker 5: Because of that.

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Speaker 6: So I'm starting to rein it back in now that

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Speaker 6: I finally have a house that I can live in myself.

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Speaker 3: I feel like we need to go through that period though,

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Speaker 3: to learn like what your breadths are and what.

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Speaker 1: That actually means.

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Speaker 3: And I mean, you've clearly learned from it, so I

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Speaker 3: don't think it's a bad thing. It's just part of

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Speaker 3: your journey, right, Yeah, all right, And last question before

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Speaker 3: we go to a really quick break and I can

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Speaker 3: dive into even more nitty gritty, is if we asked

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Speaker 3: you to give yourself a money grade, what would that

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Speaker 3: grade be?

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Speaker 6: I think I would give myself a B or a

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Speaker 6: B plus. So I think I have all the tools

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Speaker 6: that I need to be able to set myself up.

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Speaker 6: It's basically just implementing them and continuing to stay like that.

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Speaker 6: Now that I've just bought a house, I can finally

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Speaker 6: get into it without all the little extra bits of

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Speaker 6: money that you know, you find that you spend.

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Speaker 3: Yeah, no, it makes sense. What do you think it

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Speaker 3: would take to get to an A or an A plus?

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Speaker 6: So for me to get to an A, I would

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Speaker 6: like to be more regularly investing in the share market,

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Speaker 6: making it a part of my budget and something that

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Speaker 6: I do on a regular basis, as opposed to just

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Speaker 6: doing it when I have a bit of extra money.

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Speaker 1: I love that.

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Speaker 3: I feel like you're really clear. Sometimes I ask people

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Speaker 3: and they're like, oh, I'm not really sure, but you

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Speaker 3: clearly have some steps to get yourself into the best

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Speaker 3: financial position. I want to dive more into that. Though,

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Speaker 3: after this very quick break, don't go anywhere.

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Speaker 4: Welcome back, money, deris. I have a question about finances

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Speaker 4: and your relationship because you said in your letter you

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Speaker 4: wrote to us that you really don't want to be

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Speaker 4: relying on a partner and that's important to you. But

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Speaker 4: then on the flip side of that, your partner works

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Speaker 4: in finance and so you mentioned that you know, he's

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Speaker 4: kind of maybe someone who held that knowledge a bit,

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Speaker 4: and you're really working on that through listening to the

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Speaker 4: pod educating yourself. But I think often when we're in

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Speaker 4: a situation like that and our partner or someone we

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Speaker 4: care about knows more than us about something, it's really

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Speaker 4: easy to kind of rely on their input or kind

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Speaker 4: of let them take the lead in that area that

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Speaker 4: they specialize in.

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Speaker 1: So how are you kind.

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Speaker 4: Of balancing those two almost conflicting desires.

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Speaker 5: So it's actually quite interesting.

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Speaker 6: I'm the one who pays all of our bills and

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Speaker 6: make sure that they're all paid on time, so I

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Speaker 6: actually take the lead in the finances in our relationship.

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Speaker 6: He did sort of help me out with the shares

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Speaker 6: and sort of getting started on what to invest in,

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Speaker 6: but other than that, I was pretty much set up

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Speaker 6: before I met him. So I actually don't really find

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Speaker 6: that we have any issues in that aspect, because yeah,

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Speaker 6: I was already set up before we met. But I

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Speaker 6: have found that when overhear conversations that he's having, or

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Speaker 6: I hear something on the podcast and I go and

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Speaker 6: talk to.

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Speaker 5: Him about it, he's very shocked and surprised that I

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Speaker 5: have to understand what he's talking a.

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Speaker 6: Lot of the times, so he actually has said that

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Speaker 6: I'm probably the most financially literate person who's not in finance.

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Speaker 2: I lot.

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Speaker 1: I feel like everyone in our communities like that.

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Speaker 3: I had that conversation, Like Jess and I recently had

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Speaker 3: our book tour, and it gave us the opportunity to

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Speaker 3: talk to so many beautiful community members and they're all like, oh, yeah,

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Speaker 3: I know this, this, this, and this, and I'm just like,

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Speaker 3: holy moly, you guys are so educated. I am so proud,

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Speaker 3: Like it makes me insanely happy to know that. You know,

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Speaker 3: it sounds lame, but like you tell your partner something

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Speaker 3: and he's like, holy moly, money diarist, Like where did

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Speaker 3: that come from? Because I don't think we give ourselves

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Speaker 3: enough credit for how complex these things can become. So

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Speaker 3: it's one thing to go, Okay, I know how to

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Speaker 3: put together a budget, but then when you're talking about

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Speaker 3: the difference between a managed fund and in ETF and

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Speaker 3: you're starting investing, like genuinely, that does take a little

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Speaker 3: bit for us to wrap our heads around. So I

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Speaker 3: am so proud of you, Like I'm so happy to

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Speaker 3: hear that and I also side note here it's kind

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Speaker 3: of like the plumber who has a leaky tap at home.

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Speaker 3: My partner pays all the bills. I don't want to

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Speaker 3: even look at that. I'm like, I look at my clients'

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Speaker 3: bills each and every single day, like I'm doing all

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Speaker 3: of it. Don't even don't even talk to me about it.

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Speaker 3: So I'm money arrest. I'm not surprised to hear that

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Speaker 3: your partner lets you you take the lead on that.

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Speaker 1: Because I do the same thing in my relationship.

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Speaker 6: No, he definitely takes the backstep when it comes to

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Speaker 6: our finances.

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Speaker 3: Yeah, it's interesting, right, all right, Next question I've got.

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Speaker 3: I want to know a little bit more about the

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Speaker 3: purvy side of your parents and your grandparents' relationship.

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Speaker 6: Right.

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Speaker 3: You said really clearly when I asked you about your

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Speaker 3: money story, that you knew that your grandparents were together

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Speaker 3: in like a convenience kind of relationship. And I'd like

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Speaker 3: to know one how you're aware of that, but two

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Speaker 3: how that impacts your decision making around what your financial

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Speaker 3: life looks like, and how that's impacted you wanting to

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Speaker 3: be you know, independent and female. Has this come from

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Speaker 3: them saying that to your or is this like, you know,

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Speaker 3: side observations like what does that look like to you?

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Speaker 6: I think it was all around observations when I was younger.

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Speaker 6: So I do remember in my childhood that I believe

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Speaker 6: my pop had cheated and essentially my Nan, I guess,

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Speaker 6: wasn't working and he was the one paying the bills

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Speaker 6: and she was the one looking after the family and

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Speaker 6: providing dinners and everything like that. And I know that

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Speaker 6: growing up, my nan has never been completely happy in

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Speaker 6: her relationship. And I know that if it wasn't for

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Speaker 6: us having such a big family and everything like that,

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Speaker 6: and if she was able to provide for herself, she

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Speaker 6: probably would have not stayed in that relationship, but purely

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Speaker 6: at a convenience, they've stayed together. And I guess for me,

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Speaker 6: that just meant that I never wanted to be in

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Speaker 6: a situation where I wasn't able to financially look after myself.

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Speaker 6: If I was in a situation like that, I'd hate

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Speaker 6: to be stuck in an unhappy relationship with no way

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Speaker 6: out and feeling I have to stay there because of this.

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Speaker 3: I find that a little bit heartbreaking, but really really

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Speaker 3: interesting because I'm making some assumptions over the ages of

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Speaker 3: your grandparents, and it's kind of normal in a way

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Speaker 3: for them to just go, well, it is what it is.

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Speaker 3: I don't have any financial literacy for myself, and it

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Speaker 3: really really upsets me to think that people aren't living

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Speaker 3: their best lives or their happiest lives just purely based

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Speaker 3: on the fact that financially they couldn't get by and

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Speaker 3: this idea that you know, I don't know. I just

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Speaker 3: feel bad that your grandma was in a position where

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Speaker 3: she didn't get to live, you know, the life that

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Speaker 3: she potentially could have lived or wanted to live because

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Speaker 3: of that. I mean, she's super lucky to have you

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Speaker 3: in such a big family, and like that's a blessing

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Speaker 3: in itself. But I guess this is why I'm so

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Speaker 3: wildly passionate about women, you know, having good financial literacy

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Speaker 3: and complete side note, guys, have you fallen onto the

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Speaker 3: side of stay at home mum TikTok oh?

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Speaker 5: Yes? Oh?

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Speaker 3: Like it looks so viby, it looks so aesthetic, and

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Speaker 3: I just want to jump up and down and be

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Speaker 3: like this is so toxic, Like you are putting all

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Speaker 3: your eggs in one basket and money direst you're pointing

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Speaker 3: out exactly why, like you're seeing it further down the tray.

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Speaker 3: Can you just like she's just not the person that

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Speaker 3: she could have been or as happy as she could

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Speaker 3: have been, So to talk to me about how you

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Speaker 3: manage that in your personal relationship. So is that something

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Speaker 3: where you've said to your partner, Look, I really want

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Speaker 3: to have my own financial independence. Like, are you having

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Speaker 3: these deep conversations now or has your relationship not got

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Speaker 3: there yet?

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Speaker 1: I'm sorry if I'm being too pervy. I just need

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Speaker 1: to know.

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Speaker 6: No, Definitely, I guess prior to the relationship i've been now,

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Speaker 6: I was in a pretty not great one before which

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Speaker 6: I did have to leave, and I was lucky to

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Speaker 6: have my investment property where my grandparents are living in

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Speaker 6: to fall back on. And then when I met my

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Speaker 6: now partner, I was pretty much set up living on

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Speaker 6: my own. Everything in my house I bought myself. So

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Speaker 6: basically from the very beginning, I've been very upfront. At

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Speaker 6: the time, I was also looking at moving for my career,

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Speaker 6: and I was very upfront about I need to, you know,

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Speaker 6: sort myself out first before I can factor another person in.

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Speaker 6: I want to make sure that I'm set up and

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Speaker 6: happy on my own before I can, I guess, be

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Speaker 6: with anybody else. So that's definitely been a big conversation

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Speaker 6: that we've had.

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Speaker 5: From the very beginning of my relationship.

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Speaker 6: I've been very upfront that I always want to have

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Speaker 6: my own independence. I never want to rely on somebody

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Speaker 6: else not being there or you know, a relationship breaking

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Speaker 6: down and then struggling and then not having somewhere to

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Speaker 6: live for not being able to look after myself. It's

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Speaker 6: very important to me that I am fine on my own.

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Speaker 1: Yeah, totally.

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Speaker 3: How does that filter into the way you manage money

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Speaker 3: as a couple, Like, do you have joint accounts? Do

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Speaker 3: you like manage money together? Do you have your own?

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Speaker 3: Like what does that structure for I guess cash flow

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Speaker 3: look like.

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Speaker 5: Yes, so we both have our own accounts.

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Speaker 6: I also have my separate investment property account which is

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Speaker 6: purely on its own. He's got his own accounts, but

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Speaker 6: we do have obviously our mortgage that's shared. And then

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Speaker 6: we also have an account that is shared, which is

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Speaker 6: I suppose our spending account, and we both contribute the

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Speaker 6: same amount of money into that and then we use

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Speaker 6: that for our joint spendings.

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Speaker 1: I love this.

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Speaker 3: If we wind back to before you were super super

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Speaker 3: financially literate, what were the first steps that you took

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Speaker 3: to kind of put yourself in the best possible position.

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Speaker 1: I mean self indulgently.

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Speaker 3: I'd love to hear the story about how you love

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Speaker 3: She's on the money, Like, I feel like financial literacy

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Speaker 3: for a lot of people's starts before you're introduced to that,

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Speaker 3: Like you're looking for that content, or you're you know,

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Speaker 3: craving a different way to budget or cash flow.

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Speaker 1: Like, how did that start for you?

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Speaker 3: Obviously you knew all along that you wanted to have

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Speaker 3: some level of you know, financial literacy to not be

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Speaker 3: in the situations that you've seen happy in your family,

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Speaker 3: But what were your first steps to going you know what,

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Speaker 3: this is what's going to create financial security for me?

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Speaker 5: Yes, So I've.

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Speaker 6: Always been a very independent person to begin with. But

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Speaker 6: I believe when I was younger, I always I guess

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Speaker 6: from family members that I had, you know, everyone was

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Speaker 6: buying a house and that was the thing that was

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Speaker 6: going to, I suppose be the thing that keeps them

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Speaker 6: so owning their own house. So I think for me,

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Speaker 6: it just makes sense that if I own my own house,

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Speaker 6: I'll always have somewhere to live forever. And my family

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Speaker 6: were pretty much the ones that were like, you know,

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Speaker 6: you need to buy a house.

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Speaker 5: You need to buy a house.

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Speaker 6: So I did that, but I wish back then I

401
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Speaker 6: actually had a better understanding of what it actually means

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Speaker 6: to own a house instead of, you know, just buying

403
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Speaker 6: it because that's what I think I should do and

404
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Speaker 6: it fits in my budget and everything like that. But

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Speaker 6: you know, no one at school or anything ever explained

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Speaker 6: to you. You know about rates, and you know if

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Speaker 6: things break in the house that you need to you know,

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Speaker 6: cover that, and you know property management and insurances and

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Speaker 6: all of that sort of stuff. So I think I

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Speaker 6: just I bought my first one purely because I thought

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Speaker 6: that was the right step in it, you know, in

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Speaker 6: being financially secure as having your own house, and that's

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Speaker 6: where that sort of started. But I wish I had

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Speaker 6: a better understanding of what that actually meant at the time.

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Speaker 6: I'm still very glad that I did, but I feel

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Speaker 6: like I could have been better educated around it before

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Speaker 6: I jumped into that.

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Speaker 4: You've said a couple of times throughout, you know, our

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Speaker 4: little chat with you, that ultimately what you're working towards

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Speaker 4: is your financial freedom and you know that's why you

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Speaker 4: have this property, you have this investment property, and now

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Speaker 4: you're starting your journey in shares. What does that specifically

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Speaker 4: look like to you? Would you lack to retire early?

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Speaker 4: Would you lack to you know, travel? I feel like

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Speaker 4: everybody has this different idea of what that financial freedom

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Speaker 4: and financial security means to them.

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Speaker 1: What is it for you?

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Speaker 6: For me, I think it would be to not be

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Speaker 6: stressed about money, not worried about bills or everything like that,

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Speaker 6: just to have everything sort of set up and then

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Speaker 6: not having to say no to opportunities should they ever

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Speaker 6: come along. That money was not a restriction. So for

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Speaker 6: me doesn't necessarily mean, you know, I get to retire early,

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Speaker 6: because the person that I am, I'll probably be working

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Speaker 6: until I die.

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Speaker 1: That's just my personality, same girlfriend, same.

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Speaker 5: Yeah.

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Speaker 6: I just I want to be secure that i'm you know,

439
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Speaker 6: don't have to check my bank account balance and I

440
00:20:02,200 --> 00:20:04,720
Speaker 6: don't need to check my bills every month because it's

441
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Speaker 6: all just all just working well. So for me, it's

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Speaker 6: just being completely secure in the fact that I can

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Speaker 6: do what I want when I want and not have

444
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Speaker 6: to worry about the money side of things.

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Speaker 3: Okay, there is a really big question that I want

446
00:20:19,880 --> 00:20:22,880
Speaker 3: to ask, because obviously, buying a property is the great

447
00:20:22,880 --> 00:20:25,919
Speaker 3: Australian dream, and it's one of the things that you know,

448
00:20:26,000 --> 00:20:28,840
Speaker 3: I feel like our community really struggle with because it's

449
00:20:28,880 --> 00:20:31,240
Speaker 3: hard to get onto the property ladder, Like it's hard

450
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Speaker 3: to save your deposit. How did you do it? And

451
00:20:33,760 --> 00:20:36,359
Speaker 3: how old are you? Because money diarist, I can see you.

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Speaker 3: The rest of the community can't because you are absolutely anonymous.

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Speaker 1: You look young, you look fresh, you look vibrant. How

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00:20:41,960 --> 00:20:42,560
Speaker 1: old are you?

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Speaker 3: And how did you save for your first deposit and

456
00:20:45,359 --> 00:20:48,119
Speaker 3: get on the property ladder? Because I'm just looking at you,

457
00:20:48,200 --> 00:20:50,760
Speaker 3: going this is incredible, Like it's not as though you're

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00:20:50,760 --> 00:20:52,400
Speaker 3: sitting here going, oh, I have one hundred and eighty

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00:20:52,440 --> 00:20:55,520
Speaker 3: thousand dollars income, Like you've got a really normal, relatable salary.

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Speaker 1: I wouldn't know. Tell us how did you do it?

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Speaker 6: So I'm twenty seven. I bought my first property when

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00:21:01,440 --> 00:21:04,800
Speaker 6: I was twenty three. At the time, I was working

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00:21:04,840 --> 00:21:09,520
Speaker 6: in a supermarket and I guess I just saved. I

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00:21:09,600 --> 00:21:12,360
Speaker 6: just I was really good at saving, and pretty much

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Speaker 6: every bit of money that I had left over after

466
00:21:14,720 --> 00:21:18,320
Speaker 6: paying bills and whatnot. I just saved and was lucky.

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Speaker 6: I suppose at the time you just rates weren't so

468
00:21:20,560 --> 00:21:24,080
Speaker 6: high and I was just able to save my deposit.

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Speaker 1: How long did that process take.

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Speaker 5: I think it took me about a year from once

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00:21:29,080 --> 00:21:32,600
Speaker 5: I decided that I wanted to buy, to be able

472
00:21:32,640 --> 00:21:35,200
Speaker 5: to save up for the deposit and have it ready

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Speaker 5: to go.

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Speaker 1: Yeah, yeah, okay.

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Speaker 3: That is good to know because I feel like so

476
00:21:38,480 --> 00:21:40,399
Speaker 3: many times people are like, oh my gosh, it's going

477
00:21:40,480 --> 00:21:42,879
Speaker 3: to take ages. But from the sound of it, we

478
00:21:42,920 --> 00:21:45,159
Speaker 3: already heard about your first property. It wasn't like a

479
00:21:45,200 --> 00:21:47,440
Speaker 3: million dollar property that I think a lot of US

480
00:21:47,760 --> 00:21:50,480
Speaker 3: millennials seem to think has to be our entry point

481
00:21:50,520 --> 00:21:53,199
Speaker 3: into the market. And now you're obviously stepping up and

482
00:21:53,240 --> 00:21:55,440
Speaker 3: you want to step up again. But I just feel

483
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Speaker 3: like your story is so relatable but just also just

484
00:21:57,800 --> 00:22:01,159
Speaker 3: so interesting, like this independent woman vibe. I have my

485
00:22:01,240 --> 00:22:03,119
Speaker 3: own house, I've got to run my own life, and

486
00:22:03,359 --> 00:22:06,600
Speaker 3: even though my partner is an associate financial advisor, like

487
00:22:06,840 --> 00:22:09,439
Speaker 3: you're clearly running rings around him, and I love to

488
00:22:09,520 --> 00:22:12,240
Speaker 3: see it. Money Diarist, I think that's all we have

489
00:22:12,320 --> 00:22:15,280
Speaker 3: time for today, though, Thank you so much for joining

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00:22:15,400 --> 00:22:16,080
Speaker 3: us on the show.

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Speaker 5: Thank you for having me, No, of course.

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Speaker 3: I love hearing money diaries. They are my favorite part

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00:22:22,320 --> 00:22:23,000
Speaker 3: of the week.

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Speaker 1: A pleasure. As always, my friends, We will see you

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Speaker 1: next week.

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Speaker 2: Hi.

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Speaker 3: The advice shared on She's on the Money is generally

498
00:22:37,080 --> 00:22:40,879
Speaker 3: nature and does not consider your individual circumstances. She's on

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Speaker 3: the Money exists purely for educational purposes and should not

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00:22:44,480 --> 00:22:47,440
Speaker 3: be relied upon to make an investment or financial decision.

501
00:22:47,840 --> 00:22:50,280
Speaker 3: If you do choose to buy a financial product, read

502
00:22:50,320 --> 00:22:53,640
Speaker 3: the PDS TMD and obtain appropriate financial.

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00:22:53,240 --> 00:22:55,040
Speaker 1: Advice tailored towards your needs.

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Speaker 3: Victoria Divine and She's on the Money are authorized representatives

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Speaker 3: A B N three two one six four nine two

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Speaker 3: seven seven zero eight a F s L four five

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Speaker 3: one two eight nine