1
00:00:00,200 --> 00:00:02,960
Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

2
00:00:03,000 --> 00:00:07,280
Speaker 1: woman and I'm here to acknowledge country t Glenn Young

3
00:00:07,320 --> 00:00:11,400
Speaker 1: Ganya Niana, kaka ya Ya bin Ahaka nian Ar gay

4
00:00:11,440 --> 00:00:17,160
Speaker 1: In Mbina, yakarum jar dominyamiga Umagahawakawaman, damon Imlan Wumba, bang

5
00:00:17,160 --> 00:00:22,439
Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,

6
00:00:22,520 --> 00:00:25,960
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

7
00:00:26,360 --> 00:00:29,080
Speaker 1: We thank acknowledge and respect the Aberiginal people's land that

8
00:00:29,120 --> 00:00:31,920
Speaker 1: we're gathering on today. Take pleasure in all the land

9
00:00:32,080 --> 00:00:35,360
Speaker 1: and respect all that you see. She's on the Money

10
00:00:35,360 --> 00:00:42,040
Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

11
00:00:42,400 --> 00:00:44,600
Speaker 1: knowledge and resources for you to thrive.

12
00:00:45,080 --> 00:00:46,839
Speaker 2: She's on the Money.

13
00:00:47,040 --> 00:00:58,200
Speaker 3: She's on the Money.

14
00:01:08,080 --> 00:01:11,039
Speaker 4: Hello, and welcome to She's on the Money, the podcast

15
00:01:11,040 --> 00:01:13,560
Speaker 4: of les you be pervy about other people's money habits

16
00:01:13,800 --> 00:01:17,319
Speaker 4: for educational purposes, of course, welcome back to another one

17
00:01:17,360 --> 00:01:19,639
Speaker 4: of our money daries, brought to you by sky Wealth,

18
00:01:19,640 --> 00:01:21,880
Speaker 4: where we get to talk with one of our incredible

19
00:01:21,959 --> 00:01:24,920
Speaker 4: She's on the Money community members all about their journey.

20
00:01:25,000 --> 00:01:27,200
Speaker 4: Let's jump straight into it, because this week I got

21
00:01:27,200 --> 00:01:31,280
Speaker 4: an email and it sounded exactly like this. Hi, she's

22
00:01:31,360 --> 00:01:34,679
Speaker 4: on the money. I've had a pretty wild property journey

23
00:01:34,680 --> 00:01:37,640
Speaker 4: over the last five years that I would love to share.

24
00:01:38,160 --> 00:01:41,360
Speaker 4: I've bought, renovated, and sold one property and later brought

25
00:01:41,400 --> 00:01:44,759
Speaker 4: into a quarter of an investment property. On top of that,

26
00:01:44,880 --> 00:01:47,119
Speaker 4: we bought a block of land and chose our dream

27
00:01:47,360 --> 00:01:50,720
Speaker 4: floor plan, only for our builder to go under. So

28
00:01:51,040 --> 00:01:52,880
Speaker 4: not only did we have to find a new builder,

29
00:01:52,960 --> 00:01:56,840
Speaker 4: we had to find an additional seventy five thousand dollars

30
00:01:57,000 --> 00:01:59,840
Speaker 4: after taking a loss with our first one. We did

31
00:02:00,040 --> 00:02:04,000
Speaker 4: finally receive a VMIA payout, so we invested a bee

32
00:02:04,080 --> 00:02:07,280
Speaker 4: chunk of that and it's increased in value. Money Diarist,

33
00:02:07,680 --> 00:02:10,120
Speaker 4: This sounds chaotic and a little bit stressful and also

34
00:02:10,200 --> 00:02:10,959
Speaker 4: really exciting.

35
00:02:11,200 --> 00:02:14,040
Speaker 2: Look, we've come out the other end in a positive

36
00:02:14,040 --> 00:02:16,079
Speaker 2: note now, but at the time, not going to lie,

37
00:02:16,120 --> 00:02:18,320
Speaker 2: it was pretty stressful and pretty intense.

38
00:02:18,760 --> 00:02:20,200
Speaker 4: Did you cry a lot, Because I would have cried

39
00:02:20,200 --> 00:02:22,000
Speaker 4: a lot. I would have shed a lot of tears

40
00:02:22,040 --> 00:02:25,440
Speaker 4: over this, especially after taking a seventy five thousand dollar loss.

41
00:02:25,520 --> 00:02:26,920
Speaker 4: I would have rioted.

42
00:02:27,080 --> 00:02:28,040
Speaker 2: Yeah, and on.

43
00:02:28,040 --> 00:02:31,040
Speaker 5: Top of that being on one wage predominantly during that

44
00:02:31,120 --> 00:02:33,520
Speaker 5: time because we had babies in between all of that.

45
00:02:33,840 --> 00:02:37,560
Speaker 4: Oh no, like as in exciting, but yes, also so much.

46
00:02:37,400 --> 00:02:39,400
Speaker 2: More stress, so much more financial stress.

47
00:02:39,520 --> 00:02:42,040
Speaker 4: Yes, absolutely, So you did all this over the last

48
00:02:42,080 --> 00:02:44,400
Speaker 4: five years. And to add that to the mix, you've

49
00:02:44,440 --> 00:02:47,320
Speaker 4: also had not baby babies, you've had.

50
00:02:47,240 --> 00:02:50,080
Speaker 2: Three three kiars in three and a half years. Is

51
00:02:50,120 --> 00:02:50,919
Speaker 2: not wild enough?

52
00:02:51,000 --> 00:02:54,840
Speaker 4: Waane, what that's a money story in itself, any of

53
00:02:54,880 --> 00:02:58,200
Speaker 4: them twins? Or you did three separate pregnancies back to back. Yep,

54
00:02:58,400 --> 00:02:59,200
Speaker 4: I love this for you.

55
00:03:00,360 --> 00:03:02,560
Speaker 2: Yeah, we thought, well, being strategic and smart with there,

56
00:03:02,560 --> 00:03:05,440
Speaker 2: we sat down, did the numbers, had the conversations, and.

57
00:03:05,520 --> 00:03:08,919
Speaker 5: It's still yeah, life happened.

58
00:03:08,480 --> 00:03:11,120
Speaker 4: Three in three and a half years. Do you know what?

59
00:03:11,240 --> 00:03:13,359
Speaker 4: I love kids, So I'm never going to be like,

60
00:03:13,440 --> 00:03:15,359
Speaker 4: oh my god, that's so bad, Like I would love

61
00:03:15,720 --> 00:03:18,320
Speaker 4: one day to have at least three children, but just

62
00:03:18,360 --> 00:03:22,400
Speaker 4: the idea of doing it in three years.

63
00:03:21,480 --> 00:03:22,520
Speaker 2: Not for the faint of heart.

64
00:03:22,639 --> 00:03:26,000
Speaker 4: Yeah you okay, that's what people said to.

65
00:03:26,040 --> 00:03:27,560
Speaker 2: Us when we were pregnant without third.

66
00:03:27,560 --> 00:03:29,480
Speaker 4: Oh no, I did this on purpose, But like, how's

67
00:03:29,520 --> 00:03:32,360
Speaker 4: your mental health? Because like, toddlers are a lot like

68
00:03:32,600 --> 00:03:35,160
Speaker 4: my toddler this morning, I dropped him off at daycare

69
00:03:35,480 --> 00:03:37,200
Speaker 4: and I was like, oh, this is cute, Like he's

70
00:03:37,240 --> 00:03:39,600
Speaker 4: not upset, Like this is amazing, because like you never

71
00:03:39,640 --> 00:03:40,840
Speaker 4: know what you're going to get when you drop a

72
00:03:40,920 --> 00:03:43,080
Speaker 4: kid off at day care. This is just a mixed bag.

73
00:03:43,520 --> 00:03:45,560
Speaker 4: He sits down at his little table to have his

74
00:03:45,720 --> 00:03:47,640
Speaker 4: toast with his friends, and he points at the door

75
00:03:47,640 --> 00:03:50,960
Speaker 4: and says, door to me, you are eighteen months old

76
00:03:50,960 --> 00:03:52,760
Speaker 4: and you just kicked me out of your daycare room.

77
00:03:53,800 --> 00:03:55,640
Speaker 4: Can we have a cuddle? And he goes, no, but

78
00:03:55,760 --> 00:03:56,800
Speaker 4: mummy loves you.

79
00:03:56,880 --> 00:03:58,000
Speaker 2: I don't want to go yet.

80
00:03:58,640 --> 00:04:01,480
Speaker 4: Okay, I guess I'll see myself out, see your mom

81
00:04:02,280 --> 00:04:05,680
Speaker 4: ceo like I'm no longer required here. That is perfect.

82
00:04:06,320 --> 00:04:09,160
Speaker 4: Kids humble you in a way I didn't expect. And

83
00:04:09,200 --> 00:04:12,880
Speaker 4: you've done that three times over money dost. Before we

84
00:04:12,960 --> 00:04:15,120
Speaker 4: get into asking all the juicy questions, I feel like

85
00:04:15,160 --> 00:04:17,560
Speaker 4: I'm already starting. I need to know, well, grade would

86
00:04:17,560 --> 00:04:19,039
Speaker 4: you give your money habits if I asked you to

87
00:04:19,040 --> 00:04:20,720
Speaker 4: give them a grade from A three to F.

88
00:04:20,800 --> 00:04:23,080
Speaker 5: I try not to be too hard on myself, and

89
00:04:23,120 --> 00:04:25,840
Speaker 5: I think I would aim for a B minus to a.

90
00:04:25,760 --> 00:04:28,680
Speaker 4: B A B minus to a be all right, let's

91
00:04:28,720 --> 00:04:30,719
Speaker 4: learn a little bit more about that, Like, let's learn

92
00:04:30,760 --> 00:04:33,919
Speaker 4: more about your money journey, your money story. Take me

93
00:04:33,960 --> 00:04:36,040
Speaker 4: back to where you would like to start, Queen.

94
00:04:36,160 --> 00:04:39,080
Speaker 2: I can sert from my growing up.

95
00:04:39,160 --> 00:04:42,520
Speaker 5: I suppose that's I suppose forms the basis for your

96
00:04:42,520 --> 00:04:43,200
Speaker 5: money attitude.

97
00:04:43,279 --> 00:04:43,479
Speaker 4: Yeap.

98
00:04:44,000 --> 00:04:47,840
Speaker 5: So I was raised by a single mom of four children,

99
00:04:47,960 --> 00:04:51,479
Speaker 5: and I'm the oldest. So in order for us to survive,

100
00:04:51,560 --> 00:04:55,400
Speaker 5: I suppose, and to try to flourish throughout life, I

101
00:04:55,440 --> 00:04:57,279
Speaker 5: had to pick up a lot of the slack so

102
00:04:57,360 --> 00:04:58,040
Speaker 5: mum could work.

103
00:04:58,360 --> 00:05:00,680
Speaker 2: So after school would finish, have to come home and

104
00:05:00,680 --> 00:05:02,520
Speaker 2: cook dinner and things. Because mom was at work.

105
00:05:02,880 --> 00:05:05,000
Speaker 5: I'd have to make sure the house was clean enough

106
00:05:05,000 --> 00:05:07,760
Speaker 5: for the next day, get my brothers organized and ready

107
00:05:08,240 --> 00:05:09,360
Speaker 5: for bed on my own.

108
00:05:09,440 --> 00:05:11,640
Speaker 2: Or Mum worked because she worked in hospitality, so she

109
00:05:11,680 --> 00:05:14,320
Speaker 2: wouldn't get home for like nine thirty ten o'clock most nights.

110
00:05:14,960 --> 00:05:18,159
Speaker 2: And that was my life growing up really until forever.

111
00:05:18,520 --> 00:05:20,760
Speaker 4: I suppose that's iconic of you. But it's also a

112
00:05:20,800 --> 00:05:22,760
Speaker 4: lot of pressure on a young person to kind of

113
00:05:22,800 --> 00:05:25,240
Speaker 4: have to step up into that parenting role when you're

114
00:05:25,440 --> 00:05:26,400
Speaker 4: meant to be the child.

115
00:05:26,520 --> 00:05:29,680
Speaker 5: Yeah, yeah, it may be mature very very quickly. And

116
00:05:29,720 --> 00:05:31,800
Speaker 5: I suppose, look, it's all on perspective.

117
00:05:32,240 --> 00:05:34,000
Speaker 2: The way I look at it, I could have gone

118
00:05:34,120 --> 00:05:37,159
Speaker 2: the poor me, this is really hard, this isn't fair route,

119
00:05:37,200 --> 00:05:39,960
Speaker 2: or I could have gone this is a lesson. It

120
00:05:40,000 --> 00:05:41,800
Speaker 2: is what it is. What can I learn from this?

121
00:05:41,839 --> 00:05:43,760
Speaker 2: And what can I do to help my family survive

122
00:05:43,800 --> 00:05:46,279
Speaker 2: and get through this chapter? And then what can I

123
00:05:46,320 --> 00:05:48,680
Speaker 2: do in my future to help with money and set

124
00:05:48,680 --> 00:05:50,880
Speaker 2: myself up and my children up so hopefully we're not

125
00:05:50,880 --> 00:05:51,679
Speaker 2: in the same position.

126
00:05:51,760 --> 00:05:55,720
Speaker 4: Yeah, love, And so what did that translate into in adulthood?

127
00:05:55,880 --> 00:05:58,880
Speaker 5: Obviously, growing up as a female, you go through you

128
00:05:59,000 --> 00:06:01,080
Speaker 5: like my friends have this and I don't have that,

129
00:06:01,200 --> 00:06:03,400
Speaker 5: and you go through like the materialistic kind of phase.

130
00:06:03,920 --> 00:06:07,480
Speaker 5: I suppose it taught me that I don't really need

131
00:06:07,520 --> 00:06:09,280
Speaker 5: to have everything all at once.

132
00:06:09,400 --> 00:06:11,800
Speaker 2: Just because X, Y and Z has that, and just

133
00:06:11,839 --> 00:06:13,520
Speaker 2: because Mum of the bank of mom and dad for

134
00:06:13,560 --> 00:06:15,839
Speaker 2: them have that, and they get given this and they

135
00:06:15,920 --> 00:06:17,839
Speaker 2: were given a car or they get a new outfit

136
00:06:17,880 --> 00:06:18,520
Speaker 2: every weekend.

137
00:06:19,279 --> 00:06:22,279
Speaker 5: I don't need that and that's okay, and it's okay

138
00:06:22,320 --> 00:06:25,200
Speaker 5: to go without. It doesn't mean that I'm lesser. It

139
00:06:25,240 --> 00:06:28,200
Speaker 5: doesn't mean that my mum loves me any less, it's

140
00:06:28,320 --> 00:06:30,680
Speaker 5: just the situation we're in, and she gives me everything

141
00:06:30,680 --> 00:06:33,479
Speaker 5: that I need anyway, Do I need another pair of shoes?

142
00:06:33,560 --> 00:06:33,600
Speaker 2: No?

143
00:06:33,839 --> 00:06:35,880
Speaker 4: Be nice though, Yes, yeah, it'd be nice though.

144
00:06:36,000 --> 00:06:36,560
Speaker 2: I get it.

145
00:06:36,600 --> 00:06:39,279
Speaker 4: I get it, And especially when you're young, it's very

146
00:06:39,320 --> 00:06:41,880
Speaker 4: hard to separate those two things, especially when you see

147
00:06:41,880 --> 00:06:44,400
Speaker 4: other kids getting it, because as much as you probably

148
00:06:44,480 --> 00:06:48,040
Speaker 4: understood there was some pressure, you never fully comprehend what

149
00:06:48,080 --> 00:06:50,880
Speaker 4: that actually looks like. So it doesn't feel good.

150
00:06:51,080 --> 00:06:52,279
Speaker 2: Yeah, that's right, that's right.

151
00:06:52,360 --> 00:06:55,560
Speaker 5: But I suppose we're always just taught to measure your

152
00:06:55,560 --> 00:06:58,200
Speaker 5: own wrist, so like, look at what you can afford,

153
00:06:58,240 --> 00:06:59,600
Speaker 5: look what you can do, and then look at that

154
00:06:59,600 --> 00:07:02,040
Speaker 5: in apos way, and appreciate what you do have, which

155
00:07:02,080 --> 00:07:03,919
Speaker 5: is something I've brought into adulthood.

156
00:07:04,160 --> 00:07:06,000
Speaker 2: Yeah, love with my own children too.

157
00:07:06,040 --> 00:07:07,919
Speaker 5: If you don't need every toy that your friends have,

158
00:07:08,080 --> 00:07:10,240
Speaker 5: you don't need everything that you see in the shops,

159
00:07:10,440 --> 00:07:12,000
Speaker 5: Look what you do have at home and play with

160
00:07:12,040 --> 00:07:12,640
Speaker 5: those things.

161
00:07:12,720 --> 00:07:14,400
Speaker 4: You know, How can you be grateful for something new

162
00:07:14,400 --> 00:07:15,960
Speaker 4: if you're not grateful for what you already have.

163
00:07:16,240 --> 00:07:19,120
Speaker 2: Yeah, that's right. So I think it was a positive experience.

164
00:07:18,640 --> 00:07:21,080
Speaker 4: Really, So fast forward. You've got a partner. How did

165
00:07:21,120 --> 00:07:23,040
Speaker 4: you meet? What does that all look like?

166
00:07:23,440 --> 00:07:25,840
Speaker 2: We met through my brother actually, so they were friends

167
00:07:25,840 --> 00:07:30,280
Speaker 2: through work, can you? And yeah, I just met at

168
00:07:30,320 --> 00:07:34,080
Speaker 2: an house party one day and there were his history

169
00:07:34,160 --> 00:07:35,360
Speaker 2: really with best friends.

170
00:07:35,400 --> 00:07:38,559
Speaker 4: Now I love it and talk me through. I guess

171
00:07:38,600 --> 00:07:41,240
Speaker 4: that journey because you and your partner have been like, oh,

172
00:07:41,440 --> 00:07:43,640
Speaker 4: I've had a pretty wild property journey over the last

173
00:07:43,800 --> 00:07:46,360
Speaker 4: five years, which I was like, that's a cool story,

174
00:07:46,440 --> 00:07:48,880
Speaker 4: let's talk about it. But then you dropped. I also

175
00:07:48,960 --> 00:07:51,160
Speaker 4: had three kids in three and a half years during

176
00:07:51,160 --> 00:07:55,160
Speaker 4: this period as well, and I go, girl, are you okay?

177
00:07:55,400 --> 00:07:59,760
Speaker 4: Like what is going on? So how did this all culminate?

178
00:08:00,320 --> 00:08:02,280
Speaker 4: Thirty seven? Now, how old were you when you met

179
00:08:02,280 --> 00:08:02,800
Speaker 4: your partner?

180
00:08:02,960 --> 00:08:06,000
Speaker 2: So we met when we were mid twenties and then

181
00:08:06,200 --> 00:08:09,560
Speaker 2: we ended up getting engaged in twenty sixteen, and that's

182
00:08:09,560 --> 00:08:12,800
Speaker 2: when we bought our first property. And our first property

183
00:08:13,040 --> 00:08:17,000
Speaker 2: was with the intention to renovate it and flip it

184
00:08:17,360 --> 00:08:18,960
Speaker 2: and seal it within a five year period.

185
00:08:19,040 --> 00:08:21,720
Speaker 5: That was our intention. It was really hustle bustle. The

186
00:08:21,760 --> 00:08:24,480
Speaker 5: area that we brought in was wonderful for that stage

187
00:08:24,520 --> 00:08:26,760
Speaker 5: of our life. Everything was close, but it was an

188
00:08:26,760 --> 00:08:28,000
Speaker 5: old property so needed a lot.

189
00:08:27,920 --> 00:08:28,920
Speaker 2: Of work, which we knew.

190
00:08:29,240 --> 00:08:32,240
Speaker 5: We bought that in twenty sixteen for at four hundred

191
00:08:32,240 --> 00:08:34,720
Speaker 5: and forty thousand dollars and then we got engaged. So

192
00:08:34,720 --> 00:08:38,680
Speaker 5: we got engaged that same year, and then the renovations

193
00:08:38,720 --> 00:08:41,160
Speaker 5: under the house. During that twenty sixteen period, we did

194
00:08:41,200 --> 00:08:42,120
Speaker 5: a lot of things, but they.

195
00:08:42,080 --> 00:08:44,640
Speaker 2: Were minimal costs so we'd get family held, but we

196
00:08:44,840 --> 00:08:47,720
Speaker 2: do it ourselff. So like painting the walls, we painted

197
00:08:47,760 --> 00:08:50,280
Speaker 2: the house because it was all different colors. The whole

198
00:08:50,280 --> 00:08:54,360
Speaker 2: house was lino, so we stripped the entire house gorge

199
00:08:55,320 --> 00:08:58,199
Speaker 2: so like we had the original floor boards underneath, so.

200
00:08:58,200 --> 00:09:00,000
Speaker 4: Well you did. I was like when you ripped up

201
00:09:00,080 --> 00:09:02,480
Speaker 4: the liner was at a like woo moment or a

202
00:09:02,520 --> 00:09:04,000
Speaker 4: disappointing moment because.

203
00:09:03,920 --> 00:09:06,400
Speaker 2: Now I was beautiful. Yeah, a lot of that. Quite

204
00:09:06,440 --> 00:09:08,760
Speaker 2: a job removing those pins though there's nails so the

205
00:09:08,800 --> 00:09:09,280
Speaker 2: whole house.

206
00:09:09,320 --> 00:09:12,000
Speaker 4: But that's again we didn't Yeah, been there, done that.

207
00:09:12,360 --> 00:09:14,680
Speaker 2: And then we got that obviously polished and wax stuff

208
00:09:14,720 --> 00:09:17,080
Speaker 2: by professional. Yeah, but we did minim will cost that

209
00:09:17,160 --> 00:09:20,480
Speaker 2: year and then the following year, in March twenty seventeen,

210
00:09:20,520 --> 00:09:22,880
Speaker 2: we booked our wedding for that coming December, so we

211
00:09:22,920 --> 00:09:24,120
Speaker 2: had about nine months.

212
00:09:24,320 --> 00:09:27,000
Speaker 5: So we we tried really hard, really hard to say,

213
00:09:27,080 --> 00:09:29,440
Speaker 5: for that wedding. So I worked two jobs during that time,

214
00:09:29,559 --> 00:09:33,080
Speaker 5: husband worked three, just because it wasn't within our values

215
00:09:33,080 --> 00:09:34,959
Speaker 5: to get a loan out for the wedding. We were

216
00:09:35,880 --> 00:09:37,600
Speaker 5: we really wanted to be on the dance floor with

217
00:09:37,640 --> 00:09:38,160
Speaker 5: everyone and go.

218
00:09:38,240 --> 00:09:40,960
Speaker 4: We did this, yeah, one hundred percent. Not tomorrow, we

219
00:09:41,000 --> 00:09:43,120
Speaker 4: have to start thinking about the debt we've got to repair.

220
00:09:42,880 --> 00:09:46,120
Speaker 2: Yes, exactly. Yeah, after this the next chapter starts. It's fun.

221
00:09:46,160 --> 00:09:48,319
Speaker 2: It's all uphill from here. I really worked really hard

222
00:09:48,360 --> 00:09:49,400
Speaker 2: during those nine months.

223
00:09:49,559 --> 00:09:53,120
Speaker 5: But again we did stuff ourselves, so Trady friends, Trady cousins,

224
00:09:53,200 --> 00:09:57,199
Speaker 5: removing chandeliers or facing them with down lives, installing fans.

225
00:09:57,559 --> 00:09:58,559
Speaker 2: Again, little things, but.

226
00:09:58,520 --> 00:10:01,079
Speaker 4: They have a really big impact. Like even on just

227
00:10:01,120 --> 00:10:04,720
Speaker 4: a plane room fresh paint makes a world of difference.

228
00:10:04,760 --> 00:10:08,000
Speaker 2: That's right. Then we ended up falling pregnant with our

229
00:10:08,040 --> 00:10:10,839
Speaker 2: first little love. Yeah, a few months after the wedding,

230
00:10:10,920 --> 00:10:14,720
Speaker 2: which was so exciting, but we hadn't really taken into

231
00:10:14,720 --> 00:10:17,360
Speaker 2: account like future plans.

232
00:10:17,640 --> 00:10:20,720
Speaker 4: Yeah, you were just but like that's just fun, Like, sorry,

233
00:10:20,760 --> 00:10:24,560
Speaker 4: you're freshly married and let's not think about it, well, yes,

234
00:10:24,640 --> 00:10:26,719
Speaker 4: and no, like I don't know. You never know how

235
00:10:26,760 --> 00:10:29,640
Speaker 4: long it's going to take, and then it's magic anyway.

236
00:10:29,679 --> 00:10:32,720
Speaker 4: And if you want kids, like I feel like you

237
00:10:32,840 --> 00:10:35,240
Speaker 4: just want kids. Yes, it's nice to plan, but like

238
00:10:35,679 --> 00:10:36,760
Speaker 4: it's very hard to.

239
00:10:37,080 --> 00:10:38,840
Speaker 2: Yeah, that's right. It's not easy for everyone.

240
00:10:38,880 --> 00:10:40,520
Speaker 5: And we don't know what our journey would be like,

241
00:10:40,679 --> 00:10:43,480
Speaker 5: so you thought, let's just start trying and see what happens.

242
00:10:43,600 --> 00:10:46,640
Speaker 5: We're fortunate that it happened quite quickly for us, which

243
00:10:46,679 --> 00:10:47,679
Speaker 5: I don't take for granted.

244
00:10:47,800 --> 00:10:50,360
Speaker 4: Yeah, no, and that's okay, But like often it's a

245
00:10:50,400 --> 00:10:53,040
Speaker 4: surprise as well, because I feel like, as women, we

246
00:10:53,160 --> 00:10:56,240
Speaker 4: spend our entire lives trying not to get pregnant, and

247
00:10:56,280 --> 00:10:58,880
Speaker 4: then people tell you, for whatever reason, it's going to

248
00:10:58,920 --> 00:11:01,199
Speaker 4: be hard to get pregnant. So when you start trying

249
00:11:01,240 --> 00:11:04,920
Speaker 4: and you get pregnant immediately, often you're like wait what, no, no, no,

250
00:11:04,960 --> 00:11:06,720
Speaker 4: I thought this would be like a process.

251
00:11:07,679 --> 00:11:09,280
Speaker 2: What do I do now? Yeah?

252
00:11:09,760 --> 00:11:13,280
Speaker 5: I wanted this, but yeah, what does it mean? So

253
00:11:13,320 --> 00:11:15,199
Speaker 5: we'll do that coming Novambuck.

254
00:11:14,679 --> 00:11:15,559
Speaker 4: Also twenty eighteen.

255
00:11:15,679 --> 00:11:17,800
Speaker 2: But then we had worked so hard for this wedding,

256
00:11:17,840 --> 00:11:20,960
Speaker 2: and everything that we had saved for went towards it.

257
00:11:21,120 --> 00:11:24,480
Speaker 2: So we were like, Okay, we have this plan of

258
00:11:24,520 --> 00:11:27,240
Speaker 2: renovating this house and flipping it within the five years

259
00:11:27,240 --> 00:11:29,240
Speaker 2: from when we brought it. Yeah, what are we going

260
00:11:29,280 --> 00:11:31,400
Speaker 2: to do? So we had the discussion and we went

261
00:11:31,400 --> 00:11:33,600
Speaker 2: to the bank to get the house evaluated to see

262
00:11:33,640 --> 00:11:36,360
Speaker 2: if it had increased in value, and it had actually

263
00:11:36,400 --> 00:11:37,680
Speaker 2: gone up eighty thousand dollars.

264
00:11:37,760 --> 00:11:38,720
Speaker 4: Oh money win.

265
00:11:39,160 --> 00:11:42,320
Speaker 5: Yeah, So we decided to borrow the eighty thousand dollars

266
00:11:42,360 --> 00:11:45,080
Speaker 5: against the home loan and that was our nest eck.

267
00:11:45,120 --> 00:11:49,079
Speaker 2: Towards the renovation. It was exclusively to be used towards

268
00:11:49,120 --> 00:11:50,439
Speaker 2: renovating and that's.

269
00:11:50,280 --> 00:11:52,720
Speaker 4: It, not to be touched for anything else adding value.

270
00:11:52,800 --> 00:11:55,880
Speaker 5: So then again, we're still working full time throughout my pregnancy,

271
00:11:55,920 --> 00:11:57,640
Speaker 5: so there was so okay, we could survive, we could

272
00:11:57,679 --> 00:11:58,960
Speaker 5: save for upcoming baby.

273
00:11:59,160 --> 00:12:01,600
Speaker 2: Nice, not a whole, but we had this little nest egg,

274
00:12:01,600 --> 00:12:02,360
Speaker 2: which was nice.

275
00:12:02,640 --> 00:12:02,880
Speaker 4: Yeah.

276
00:12:02,920 --> 00:12:05,720
Speaker 2: September of that year rolls around, so I'm coming up

277
00:12:05,760 --> 00:12:07,920
Speaker 2: to my third trimester and my husband's on a bus

278
00:12:07,960 --> 00:12:10,840
Speaker 2: night with his cousins and we had to renovate our bathrooms.

279
00:12:10,840 --> 00:12:13,520
Speaker 2: We had to shoop them, gut them. Yeah, don't worries,

280
00:12:13,760 --> 00:12:14,319
Speaker 2: we'll get it down.

281
00:12:14,360 --> 00:12:16,280
Speaker 5: We'll get it done before the baby comes, no worries,

282
00:12:16,280 --> 00:12:19,640
Speaker 5: We'll start straight away like I'm during two months.

283
00:12:19,679 --> 00:12:22,800
Speaker 2: I'll be sure. Yeah, no, I promise off, we'll get

284
00:12:22,800 --> 00:12:25,360
Speaker 2: it done. So in they come the banging balls and

285
00:12:27,160 --> 00:12:28,840
Speaker 2: we're going to quickly choose tiles and this and that,

286
00:12:28,840 --> 00:12:30,120
Speaker 2: because yeah, it's going to get done.

287
00:12:30,280 --> 00:12:32,320
Speaker 5: And the lady at Reese says, it's called she does

288
00:12:32,360 --> 00:12:34,840
Speaker 5: it all the time. It's called extreme nesting. Wouldn't recommend.

289
00:12:35,320 --> 00:12:37,760
Speaker 4: Yeah, that is extreme nesting. I was just on my

290
00:12:37,760 --> 00:12:40,800
Speaker 4: hands and knees, like scrubbing skirting boards. So I feel

291
00:12:40,800 --> 00:12:42,920
Speaker 4: like you took it to the next level extreme.

292
00:12:44,360 --> 00:12:46,400
Speaker 2: So the first time my first little love was born,

293
00:12:46,440 --> 00:12:49,120
Speaker 2: we had no shower. One wall tiled in the bathroom

294
00:12:49,240 --> 00:12:51,760
Speaker 2: which had been completely gutted, and that's so we had.

295
00:12:51,840 --> 00:12:54,840
Speaker 4: So you came home from the hospital and you were

296
00:12:54,880 --> 00:12:57,960
Speaker 4: like cool. So the hospital shower was trash, but it

297
00:12:58,000 --> 00:12:59,760
Speaker 4: was incredible compared to no shower.

298
00:13:00,720 --> 00:13:02,360
Speaker 2: So we had to travel and pack a bag every

299
00:13:02,440 --> 00:13:05,040
Speaker 2: day to shower in a family member's house.

300
00:13:04,840 --> 00:13:07,400
Speaker 5: Which with a newborn is not with a newborn, and

301
00:13:07,200 --> 00:13:08,800
Speaker 5: you're healing yourself too.

302
00:13:08,800 --> 00:13:11,480
Speaker 4: Yeah, like and do you know what, like the shower.

303
00:13:11,520 --> 00:13:13,760
Speaker 4: I spent a lot of time in the shower postpartum

304
00:13:13,800 --> 00:13:17,200
Speaker 4: because I just you feel gross, like you're hormonal, Like

305
00:13:17,280 --> 00:13:19,880
Speaker 4: it's a place that you can escape to, and you

306
00:13:19,920 --> 00:13:21,480
Speaker 4: didn't have that. I'm so sorry.

307
00:13:21,520 --> 00:13:22,480
Speaker 2: Okay, it was my own fault.

308
00:13:22,520 --> 00:13:25,560
Speaker 4: I said, yes, okay, but like they said that they

309
00:13:25,600 --> 00:13:26,800
Speaker 4: would do it as well.

310
00:13:27,160 --> 00:13:31,040
Speaker 5: Yeah, yeah, you know treaties yea. So then any money

311
00:13:31,040 --> 00:13:33,520
Speaker 5: that we got from our Matt leave we save into account.

312
00:13:34,240 --> 00:13:36,280
Speaker 5: So when I stopped working and you get like your

313
00:13:36,400 --> 00:13:38,839
Speaker 5: payments from work and things like that, we.

314
00:13:38,800 --> 00:13:40,880
Speaker 2: Didn't touch it. We called it a baby account. We

315
00:13:41,000 --> 00:13:43,400
Speaker 2: just try to be purely off my husband's wage, paying

316
00:13:43,440 --> 00:13:45,480
Speaker 2: the mortgage paying ye good for anything else we had

317
00:13:45,480 --> 00:13:47,319
Speaker 2: to do that, Yeah, but nothing for the baby was

318
00:13:47,360 --> 00:13:50,240
Speaker 2: to be touched. Tell us he needed something. My first

319
00:13:50,280 --> 00:13:52,320
Speaker 2: all love was nine months old when we got pregnant

320
00:13:52,320 --> 00:13:54,960
Speaker 2: with a second, I get planned. So wonderful.

321
00:13:55,200 --> 00:13:58,000
Speaker 5: Yeah, choice, We still has some renovation money, so I'm

322
00:13:58,040 --> 00:14:00,480
Speaker 5: really determined that not to touch it unless we're nevating.

323
00:14:00,559 --> 00:14:02,120
Speaker 2: Then lockdown happened for everyone.

324
00:14:02,320 --> 00:14:02,560
Speaker 4: Yeah.

325
00:14:02,679 --> 00:14:04,600
Speaker 2: So she came in May of twenty twenty.

326
00:14:04,679 --> 00:14:08,360
Speaker 5: Yeah, so lockdown happened was wonderful because slow down didn't

327
00:14:08,360 --> 00:14:09,439
Speaker 5: have to rush to get anything done.

328
00:14:09,520 --> 00:14:10,679
Speaker 2: It was out of our hands really.

329
00:14:10,760 --> 00:14:12,800
Speaker 5: Then once we could start getting back up and getting

330
00:14:12,800 --> 00:14:15,599
Speaker 5: trades back in, we eventually gutted the toilet which is

331
00:14:15,600 --> 00:14:18,800
Speaker 5: a one toilet place, gutted the laundry, and then we

332
00:14:18,840 --> 00:14:21,520
Speaker 5: started to get the house evaluated. Yeah, so we wanted

333
00:14:21,560 --> 00:14:23,160
Speaker 5: to ask ourselves the question, do we want to stay

334
00:14:23,160 --> 00:14:24,920
Speaker 5: in this area that we love so much? We want

335
00:14:24,960 --> 00:14:26,600
Speaker 5: to move further in further about what do we want

336
00:14:26,600 --> 00:14:30,120
Speaker 5: to do after lockdown happened, We felt that we really

337
00:14:30,160 --> 00:14:33,320
Speaker 5: loved the quiet and the slowness of it all.

338
00:14:33,360 --> 00:14:36,360
Speaker 2: With kids, it kind of changed our perspective.

339
00:14:36,440 --> 00:14:39,000
Speaker 4: It did change, you like, it changed and we didn't

340
00:14:39,000 --> 00:14:41,360
Speaker 4: have kids through that period, but it definitely changed my

341
00:14:41,440 --> 00:14:44,000
Speaker 4: values and even just like the way we I don't

342
00:14:44,000 --> 00:14:46,120
Speaker 4: think this is not just me or you. I think

343
00:14:46,160 --> 00:14:48,800
Speaker 4: it changed society a lot, even just our work life

344
00:14:48,880 --> 00:14:51,760
Speaker 4: balance expectations. And I think it's been for the better.

345
00:14:51,880 --> 00:14:55,000
Speaker 2: Absolutely. I think people suffered. I'm not taking away from.

346
00:14:54,800 --> 00:14:57,080
Speaker 4: That, oh no, no no, But like those of us

347
00:14:57,160 --> 00:14:59,640
Speaker 4: who just had to go through lockdown and that was

348
00:14:59,680 --> 00:15:03,560
Speaker 4: not a period, I feel like we had a values shift, yes,

349
00:15:03,600 --> 00:15:06,080
Speaker 4: and I think that that's okay to say it doesn't

350
00:15:06,080 --> 00:15:07,520
Speaker 4: take away from the fact that it was a very

351
00:15:07,600 --> 00:15:10,640
Speaker 4: traumatic period of time for a lot of people. But like, sorry,

352
00:15:10,920 --> 00:15:13,080
Speaker 4: you're based in Melbourne as well. We had the longest

353
00:15:13,080 --> 00:15:15,240
Speaker 4: lockdown in the world. Of Course it is going to

354
00:15:15,360 --> 00:15:16,920
Speaker 4: change you. Of course, it is going to make you

355
00:15:17,000 --> 00:15:18,920
Speaker 4: question things, like I'm pretty sure we all went up

356
00:15:18,960 --> 00:15:20,360
Speaker 4: the wall at some point as well.

357
00:15:20,480 --> 00:15:24,000
Speaker 2: Absolutely so, after assessing the situation and the information that

358
00:15:24,040 --> 00:15:26,320
Speaker 2: we had at hand, we decided that.

359
00:15:26,320 --> 00:15:28,520
Speaker 5: We loved the quiet so much now that we had kids,

360
00:15:28,760 --> 00:15:30,920
Speaker 5: so I thought we might want to go out and

361
00:15:31,000 --> 00:15:33,320
Speaker 5: off a little bit more so with our two little loves.

362
00:15:33,360 --> 00:15:35,880
Speaker 5: We went to display homes and eventually found one that

363
00:15:35,920 --> 00:15:38,840
Speaker 5: we loved, which was great. You know, you sit on

364
00:15:38,840 --> 00:15:40,760
Speaker 5: it for a while, you discussed it back and forth,

365
00:15:40,880 --> 00:15:42,920
Speaker 5: and then yeah, yeah, yeah, we do love this floor

366
00:15:42,960 --> 00:15:43,800
Speaker 5: plan that's going ahead.

367
00:15:43,920 --> 00:15:46,240
Speaker 2: Yeah. Our property ended up going up for sale and

368
00:15:46,280 --> 00:15:48,880
Speaker 2: sailing before auction, making a two hundred and fifty thousand

369
00:15:48,880 --> 00:15:49,920
Speaker 2: dollars profits. Stop it.

370
00:15:50,080 --> 00:15:53,480
Speaker 4: That's such a good deal. Surprised, but also like you

371
00:15:53,520 --> 00:15:56,240
Speaker 4: bought for four forty and then you got eighty grand

372
00:15:56,240 --> 00:15:58,320
Speaker 4: of equity, got to use that to reno the property

373
00:15:58,320 --> 00:16:01,440
Speaker 4: and then you still made a cleaned profit like money

374
00:16:01,440 --> 00:16:01,880
Speaker 4: WINGQ we.

375
00:16:02,160 --> 00:16:05,000
Speaker 2: It was was lovely. It was lovely not to be

376
00:16:05,120 --> 00:16:06,760
Speaker 2: used for us. It was solely for the house, but

377
00:16:07,320 --> 00:16:10,240
Speaker 2: our next chapter to begin. So we ended up deciding

378
00:16:10,240 --> 00:16:11,560
Speaker 2: on an area that we liked, and we.

379
00:16:11,480 --> 00:16:13,440
Speaker 5: Thought we're going to spend a bit more on a

380
00:16:13,520 --> 00:16:17,240
Speaker 5: titled block because we've got two kids, we feel like

381
00:16:17,280 --> 00:16:20,080
Speaker 5: we might want a third. I can't wait for times

382
00:16:20,080 --> 00:16:21,760
Speaker 5: of blocks to be titled. It's just too much of

383
00:16:21,800 --> 00:16:24,560
Speaker 5: a long process sometimes. So well, why I block that's

384
00:16:24,560 --> 00:16:27,720
Speaker 5: already titled paper dextra. We can hopefully start the built

385
00:16:27,840 --> 00:16:30,960
Speaker 5: as quickly as possible. The contract build was around three

386
00:16:31,040 --> 00:16:33,760
Speaker 5: hundred and fifty thousand dollars. Yeah, so on the contract

387
00:16:33,760 --> 00:16:35,040
Speaker 5: for that, that was great.

388
00:16:35,200 --> 00:16:37,480
Speaker 2: We couldn't get a bridging loan at that point because

389
00:16:37,520 --> 00:16:40,400
Speaker 2: I wasn't working enough for the bank to give us that.

390
00:16:40,640 --> 00:16:43,760
Speaker 4: Yeah, that's a pickle of a situation. Is so frustrating,

391
00:16:43,800 --> 00:16:46,000
Speaker 4: even though you're like, I have a contract and I'm

392
00:16:46,040 --> 00:16:49,760
Speaker 4: fully employed and they're like no, sorry, you're on maternity leave,

393
00:16:49,800 --> 00:16:52,240
Speaker 4: your null and void. It is so frustrating.

394
00:16:52,440 --> 00:16:54,880
Speaker 2: Yeah, and we can prove we could pay it, like anyway.

395
00:16:54,680 --> 00:16:58,320
Speaker 4: Yeah, it's not the point. It's not the point, is it.

396
00:16:58,320 --> 00:16:59,920
Speaker 2: It's fine. It is what it is. That's fine.

397
00:17:00,120 --> 00:17:02,360
Speaker 5: So our builder at the time told us I should

398
00:17:02,480 --> 00:17:05,119
Speaker 5: take four or five six months for the house to

399
00:17:05,119 --> 00:17:06,760
Speaker 5: go up, because the boxer retitled great.

400
00:17:06,800 --> 00:17:09,000
Speaker 2: Yeah, So we thought, we'll save our pennies is five

401
00:17:09,119 --> 00:17:12,119
Speaker 2: six months, let's move in with family and save some

402
00:17:12,160 --> 00:17:13,160
Speaker 2: money during that time.

403
00:17:13,240 --> 00:17:15,200
Speaker 5: So then whatever we make, we'll save to go towards

404
00:17:15,200 --> 00:17:17,560
Speaker 5: a house. We can buy furniture, you know, do the backyard,

405
00:17:17,600 --> 00:17:21,000
Speaker 5: whatever else. So we tried to move into his husband's parents.

406
00:17:21,359 --> 00:17:23,359
Speaker 5: His sister was still living at home at the time.

407
00:17:23,600 --> 00:17:25,720
Speaker 5: Mom and dad still working full time at that point,

408
00:17:26,240 --> 00:17:28,000
Speaker 5: has been working full time. I was at home with

409
00:17:28,040 --> 00:17:29,400
Speaker 5: two kids, perfect, but.

410
00:17:29,320 --> 00:17:32,919
Speaker 2: It was lockdown. We went back into lockdown, so we

411
00:17:33,000 --> 00:17:36,000
Speaker 2: had to somehow manage the children to be quiet. Everyone's

412
00:17:36,000 --> 00:17:38,520
Speaker 2: in their own separate rooms, working full time with their

413
00:17:38,600 --> 00:17:42,760
Speaker 2: jobs plus two kids. I actually happen to pick up

414
00:17:42,760 --> 00:17:44,080
Speaker 2: some casual work during that time.

415
00:17:44,160 --> 00:17:46,840
Speaker 5: So I'm a primary school teacher, so I got to

416
00:17:46,880 --> 00:17:50,120
Speaker 5: go in to help essential workers children that were still

417
00:17:50,119 --> 00:17:52,199
Speaker 5: allowed to go into schools at that time. So I

418
00:17:52,280 --> 00:17:54,520
Speaker 5: went in and did that two days a week, just

419
00:17:54,560 --> 00:17:56,560
Speaker 5: to help us with some cash. Once we were there

420
00:17:56,600 --> 00:17:58,399
Speaker 5: for a little bit, we wanted to be strategic and

421
00:17:58,480 --> 00:18:00,600
Speaker 5: we booked it dinner out, just two of us and

422
00:18:00,640 --> 00:18:03,240
Speaker 5: took time to discuss what the future might look like

423
00:18:03,680 --> 00:18:06,159
Speaker 5: and if we did want three children, how was it

424
00:18:06,200 --> 00:18:07,800
Speaker 5: going to work? And we survived on one away with

425
00:18:07,840 --> 00:18:11,040
Speaker 5: the upcoming mortgage did all the mass had a really,

426
00:18:11,040 --> 00:18:13,399
Speaker 5: really in depth discussion about it, and we thought, yep, okay,

427
00:18:13,400 --> 00:18:14,240
Speaker 5: we can make it work.

428
00:18:14,359 --> 00:18:16,959
Speaker 2: We felt like there was someone missing, right, let's do it.

429
00:18:17,040 --> 00:18:18,719
Speaker 4: I love that. That's so sweet.

430
00:18:18,800 --> 00:18:19,600
Speaker 2: Two's lovely too.

431
00:18:19,760 --> 00:18:22,080
Speaker 4: It could be enough, but I know someone was missing.

432
00:18:22,119 --> 00:18:22,720
Speaker 4: We weren't done.

433
00:18:22,920 --> 00:18:25,600
Speaker 2: That's right. The six months were meant to be living

434
00:18:25,640 --> 00:18:28,600
Speaker 2: at parents' house turned into seven eight months because the

435
00:18:28,600 --> 00:18:31,800
Speaker 2: bill kept getting push back and the house next saughted.

436
00:18:31,800 --> 00:18:35,399
Speaker 5: My mum actually went up for sale. So my mom's

437
00:18:35,480 --> 00:18:37,760
Speaker 5: going to leave her house to us anyway in her will.

438
00:18:37,920 --> 00:18:39,639
Speaker 5: So she said to us, why don't you consider it

439
00:18:39,680 --> 00:18:43,439
Speaker 5: buying the house next door and having their the doserent property.

440
00:18:43,960 --> 00:18:46,719
Speaker 5: So my brothers and I said, like a trust and

441
00:18:46,720 --> 00:18:47,800
Speaker 5: we did that and we.

442
00:18:47,760 --> 00:18:50,800
Speaker 2: Bought that the house for six hundred and sixty ish

443
00:18:50,840 --> 00:18:53,600
Speaker 2: thousand dollars. So after a thirty day sentiment. Me and

444
00:18:53,640 --> 00:18:55,080
Speaker 2: my family moved.

445
00:18:54,800 --> 00:18:57,840
Speaker 4: Into their Oh perfect. You were probably like, I'm going

446
00:18:57,920 --> 00:19:01,400
Speaker 4: up the wall living within laws. This is a perfect opportunity.

447
00:19:01,680 --> 00:19:04,240
Speaker 4: I don't even care how it happens, but I was wondering.

448
00:19:04,280 --> 00:19:06,879
Speaker 4: I was like, how did you buy into a quarter

449
00:19:06,960 --> 00:19:09,040
Speaker 4: of an investment property? I'm thinking, is this a good idea?

450
00:19:09,040 --> 00:19:12,800
Speaker 4: It was with your brothers. It makes a lot of sense. Okay, yes, yes,

451
00:19:13,119 --> 00:19:15,760
Speaker 4: so that is quite strategic, trying to be.

452
00:19:15,840 --> 00:19:18,600
Speaker 5: Trying to set ourselves up for a better future. So

453
00:19:18,640 --> 00:19:21,240
Speaker 5: we move into the investment property. So obviously we still

454
00:19:21,280 --> 00:19:22,880
Speaker 5: need to pay our quarter of the mortgage.

455
00:19:22,920 --> 00:19:24,800
Speaker 2: Fair is fair. But we also need to pay rent

456
00:19:24,840 --> 00:19:26,280
Speaker 2: because it's an investment property.

457
00:19:26,320 --> 00:19:28,440
Speaker 4: Yeah yeah, yeah, because you're the ones using their property.

458
00:19:28,920 --> 00:19:30,720
Speaker 5: So we're paying rent. We're paying a quarter of that

459
00:19:30,760 --> 00:19:33,400
Speaker 5: mortgage plus our mortgage of the property.

460
00:19:33,080 --> 00:19:35,680
Speaker 2: That's being built, which is slowly coming along.

461
00:19:35,840 --> 00:19:38,639
Speaker 5: So as you go through stages of the builds, the

462
00:19:38,800 --> 00:19:41,439
Speaker 5: amount increases because you used to pay back the builder

463
00:19:41,640 --> 00:19:43,320
Speaker 5: for whatever's happened during that time.

464
00:19:43,160 --> 00:19:45,000
Speaker 2: So that's slowly increasing.

465
00:19:45,840 --> 00:19:48,360
Speaker 5: Still paying rent our quarter of the mortgage, so it's

466
00:19:48,400 --> 00:19:49,080
Speaker 5: also going on.

467
00:19:49,119 --> 00:19:49,560
Speaker 2: But everything.

468
00:19:49,600 --> 00:19:53,440
Speaker 5: Look, we're surviving at this point, then interest rates satiffice

469
00:19:53,880 --> 00:19:55,640
Speaker 5: and then they keep rising, they keep.

470
00:19:55,560 --> 00:19:58,000
Speaker 4: Writing I feel like they didn't stop.

471
00:19:58,480 --> 00:20:02,119
Speaker 2: No, And then our house it wasn't getting done, and

472
00:20:02,200 --> 00:20:03,160
Speaker 2: so things were getting tight.

473
00:20:03,320 --> 00:20:04,800
Speaker 5: So we had to use some of the money from

474
00:20:04,800 --> 00:20:07,600
Speaker 5: the sale to help us to survive, yeah, to pay rent,

475
00:20:07,680 --> 00:20:09,840
Speaker 5: to pay the mortgage, to pay our bills.

476
00:20:09,920 --> 00:20:12,200
Speaker 2: Course, so we're watching our profits slowly disappear.

477
00:20:12,320 --> 00:20:14,479
Speaker 4: Oh yeah, that would have been so stressful as well,

478
00:20:14,520 --> 00:20:16,280
Speaker 4: because you're like, no, this is meant to be set

479
00:20:16,280 --> 00:20:20,080
Speaker 4: aside for this other thing, and you just can't help it. Sometimes.

480
00:20:20,359 --> 00:20:22,040
Speaker 2: Was that out of that control? Yeah, and we've worked

481
00:20:22,080 --> 00:20:24,600
Speaker 2: really hard on our first property to earn that money.

482
00:20:24,640 --> 00:20:25,960
Speaker 2: So yeah, but that's okay.

483
00:20:26,080 --> 00:20:27,960
Speaker 5: Things happen, that's fine. So then we're up to the

484
00:20:28,080 --> 00:20:30,520
Speaker 5: last stage of our bill. So the last stage should

485
00:20:30,520 --> 00:20:32,639
Speaker 5: typically take two to three weeks. It shouldn't take that

486
00:20:32,680 --> 00:20:35,159
Speaker 5: long from what we're told. So you're paying for a

487
00:20:35,240 --> 00:20:37,959
Speaker 5: mortgage up until that point pretty much. The time mortgage

488
00:20:38,040 --> 00:20:41,880
Speaker 5: is owed, minus a couple of thousand dollars, it's final stage,

489
00:20:42,080 --> 00:20:42,960
Speaker 5: the builder goes under.

490
00:20:44,480 --> 00:20:47,040
Speaker 4: Could you not have waited a few weeks to go under? Sir? Like,

491
00:20:47,080 --> 00:20:48,440
Speaker 4: that's very disrespectful.

492
00:20:48,520 --> 00:20:52,800
Speaker 6: So with four weeks left to go, ish terrible diming.

493
00:20:54,600 --> 00:20:57,240
Speaker 6: So we had almost a full mortgage, paying full rent,

494
00:20:57,280 --> 00:20:59,399
Speaker 6: a quarter of another mortgage, and there was no end

495
00:20:59,520 --> 00:21:02,560
Speaker 6: in the future because there was no one coming to Balacestras.

496
00:21:02,760 --> 00:21:05,040
Speaker 4: And were you pregnant at this point because you'd done

497
00:21:05,080 --> 00:21:07,439
Speaker 4: that date with your husband where you'd probably decided we

498
00:21:07,480 --> 00:21:09,440
Speaker 4: are going to have a third baby. Were you pregnant

499
00:21:09,440 --> 00:21:11,560
Speaker 4: at this point as well? I'm just putting two and

500
00:21:11,600 --> 00:21:13,680
Speaker 4: two together and I'm like, the timelines are getting away

501
00:21:13,680 --> 00:21:15,119
Speaker 4: from me. I think you were knocked up.

502
00:21:15,200 --> 00:21:18,399
Speaker 2: Yes, I had my third baby in August of twenty

503
00:21:18,440 --> 00:21:22,280
Speaker 2: twenty two, so he was here five months after we

504
00:21:22,359 --> 00:21:23,520
Speaker 2: moved into famvestment property.

505
00:21:23,560 --> 00:21:26,360
Speaker 4: So we now have three kids as well. So like, yes,

506
00:21:26,440 --> 00:21:30,040
Speaker 4: there was nobody missing at this point. Three kids basically

507
00:21:30,080 --> 00:21:30,919
Speaker 4: three mortgages.

508
00:21:31,040 --> 00:21:31,719
Speaker 3: What a delight.

509
00:21:31,960 --> 00:21:33,920
Speaker 2: Yes, it was lovely. So with a seven month old,

510
00:21:33,920 --> 00:21:35,679
Speaker 2: a three year old and a four year old, it

511
00:21:35,720 --> 00:21:36,119
Speaker 2: was tight.

512
00:21:36,280 --> 00:21:37,680
Speaker 4: Oh god, it was tight.

513
00:21:38,320 --> 00:21:39,520
Speaker 2: We was told to lodge a claim.

514
00:21:39,600 --> 00:21:41,800
Speaker 5: This was what everyonebody was told to lodge a claim

515
00:21:41,840 --> 00:21:45,240
Speaker 5: through VMIA, Yeah, which is the Victorian Manati Insurance Agency.

516
00:21:45,680 --> 00:21:48,200
Speaker 5: I think all builders have to be covered by them

517
00:21:48,240 --> 00:21:49,320
Speaker 5: before they started built.

518
00:21:49,440 --> 00:21:52,040
Speaker 2: From what I understand, you're legally so through.

519
00:21:51,840 --> 00:21:54,480
Speaker 5: The haze of sleepless nights and babies everywhere, I lodged

520
00:21:54,520 --> 00:21:56,399
Speaker 5: this claim yet, but they're in no rush to pay up.

521
00:21:56,440 --> 00:21:59,680
Speaker 5: So I was not thinking about getting money from them

522
00:21:59,680 --> 00:22:01,560
Speaker 5: to help in any way. I just thought, I need

523
00:22:01,600 --> 00:22:03,840
Speaker 5: to go back to work casually, even though three babies

524
00:22:03,840 --> 00:22:05,920
Speaker 5: at home. I didn't see a way out. I had

525
00:22:05,920 --> 00:22:07,280
Speaker 5: to make it work. Yeah, So I went back to

526
00:22:07,280 --> 00:22:09,040
Speaker 5: work casually so the bank.

527
00:22:08,880 --> 00:22:10,240
Speaker 4: Would give us more money.

528
00:22:10,040 --> 00:22:11,520
Speaker 2: More money, yeah, to complete our loan.

529
00:22:11,600 --> 00:22:13,919
Speaker 5: And it ended up being about seventy five thousand dollars

530
00:22:13,920 --> 00:22:16,760
Speaker 5: that we needed. So we had to get three different

531
00:22:16,840 --> 00:22:19,480
Speaker 5: quotes from three different builders, send them into the insurance

532
00:22:19,480 --> 00:22:22,760
Speaker 5: the BMIA sent into the bank. They ended up approving

533
00:22:22,800 --> 00:22:25,359
Speaker 5: us for about seventy five thousand dollars. Oh good, so

534
00:22:26,119 --> 00:22:27,520
Speaker 5: sent it all to the new builder.

535
00:22:27,520 --> 00:22:29,199
Speaker 2: We ended up finding it just a small builder that

536
00:22:29,240 --> 00:22:29,720
Speaker 2: help us.

537
00:22:30,280 --> 00:22:32,359
Speaker 5: It was tough to find a builder, to be honest,

538
00:22:32,400 --> 00:22:34,359
Speaker 5: because nobody wanted to touch it.

539
00:22:34,440 --> 00:22:36,239
Speaker 4: Yeah, it's somebody else's work and they've got to come

540
00:22:36,240 --> 00:22:37,600
Speaker 4: in and fix it, and they don't know if they've

541
00:22:37,640 --> 00:22:39,359
Speaker 4: done a good job, and if they've gone under they

542
00:22:39,359 --> 00:22:40,880
Speaker 4: made of cut corners.

543
00:22:40,440 --> 00:22:43,520
Speaker 2: Like there's just a lot, right, Yeah, and their insurance

544
00:22:43,920 --> 00:22:45,520
Speaker 2: like they have to take it on and just hope

545
00:22:45,520 --> 00:22:48,080
Speaker 2: for the best. So yeah, it was a big ask.

546
00:22:48,200 --> 00:22:50,480
Speaker 5: But we ended up finding a lovely small builder who

547
00:22:50,840 --> 00:22:51,959
Speaker 5: completed the build for us.

548
00:22:52,000 --> 00:22:55,080
Speaker 2: Oh lucky, which was nice. I'd ended up getting finished

549
00:22:55,080 --> 00:22:57,520
Speaker 2: in maybe another four months on top of that, so

550
00:22:57,720 --> 00:23:00,280
Speaker 2: it was longer than expected, but still doesn't matter. They

551
00:23:00,320 --> 00:23:01,080
Speaker 2: got done then.

552
00:23:01,000 --> 00:23:04,000
Speaker 5: After we were in our house, maybe after four months

553
00:23:04,119 --> 00:23:06,520
Speaker 5: of being in so we got in the end of

554
00:23:07,000 --> 00:23:10,280
Speaker 5: twenty twenty three. Yeah, we heard from the MIA and

555
00:23:10,720 --> 00:23:13,320
Speaker 5: they sent us a payout of ninety thousand dollars.

556
00:23:13,320 --> 00:23:15,240
Speaker 2: Oh, how good you compensate us.

557
00:23:15,359 --> 00:23:18,080
Speaker 4: That covers the seventy five. That's nice.

558
00:23:18,800 --> 00:23:20,760
Speaker 2: It was a lovely surprise because, like I said, I

559
00:23:21,359 --> 00:23:22,040
Speaker 2: didn't account for.

560
00:23:22,040 --> 00:23:23,560
Speaker 4: That money because you were like, we're not going to

561
00:23:23,560 --> 00:23:25,760
Speaker 4: get anything from this, Yeah, and you're kind of like,

562
00:23:25,800 --> 00:23:28,240
Speaker 4: I've done my due diligence. But like you hear so

563
00:23:28,320 --> 00:23:31,720
Speaker 4: often people going to these institutions and then it all

564
00:23:31,720 --> 00:23:33,399
Speaker 4: being swept under the rug or having to take it

565
00:23:33,400 --> 00:23:36,320
Speaker 4: to court or like there's just so much chaos. Ninety

566
00:23:36,320 --> 00:23:38,600
Speaker 4: five Grand Queen that would have felt good.

567
00:23:39,040 --> 00:23:41,959
Speaker 2: It was nice to get a little win. Yes, to

568
00:23:42,000 --> 00:23:44,320
Speaker 2: be honest, it was yeah. It was blow after blow

569
00:23:44,400 --> 00:23:47,000
Speaker 2: after Oh my god. So it was nice that someone

570
00:23:47,040 --> 00:23:48,800
Speaker 2: came through. Yeah, it was loving.

571
00:23:48,840 --> 00:23:52,240
Speaker 4: Well, that's chaos. So then you got your payout, and

572
00:23:52,320 --> 00:23:53,760
Speaker 4: then what did you do with your payout?

573
00:23:53,840 --> 00:23:56,200
Speaker 5: So we owed my brother ten thousand dollars. He helped

574
00:23:56,240 --> 00:23:58,160
Speaker 5: us with the bill to get hitting a calling system.

575
00:23:58,200 --> 00:24:00,520
Speaker 5: So paid that back, yeah, straight away. And then with

576
00:24:00,560 --> 00:24:02,919
Speaker 5: the eighty thousand that was left, we used twenty of

577
00:24:02,960 --> 00:24:05,639
Speaker 5: it to roll the shutters on safety purposes, things for

578
00:24:05,720 --> 00:24:08,480
Speaker 5: our kids. We wanted to do the backyard just to

579
00:24:08,520 --> 00:24:10,720
Speaker 5: flatten it out, make it habitable so the kids could

580
00:24:10,720 --> 00:24:11,280
Speaker 5: go out and play.

581
00:24:11,280 --> 00:24:12,000
Speaker 4: Oh how nice.

582
00:24:12,160 --> 00:24:13,280
Speaker 2: And we couldn't do it ourself.

583
00:24:14,560 --> 00:24:17,359
Speaker 4: And landscaping is so expensive, isn't it.

584
00:24:17,359 --> 00:24:18,080
Speaker 2: It's so expensed.

585
00:24:18,080 --> 00:24:20,480
Speaker 4: We just want we just want grasswises. It's so expensive.

586
00:24:21,400 --> 00:24:24,560
Speaker 5: We did that, and then we had about forty thousand

587
00:24:24,560 --> 00:24:26,960
Speaker 5: still to play with. So I spoke to my husband,

588
00:24:27,520 --> 00:24:29,679
Speaker 5: we've read all your books. You still got it right

589
00:24:29,720 --> 00:24:30,800
Speaker 5: now on his bedside table?

590
00:24:30,840 --> 00:24:34,640
Speaker 4: Does he Actually that's no? I believe you. Oh it's

591
00:24:34,720 --> 00:24:39,679
Speaker 4: right there, guys. She's recording from her bedroom and that

592
00:24:39,840 --> 00:24:41,480
Speaker 4: is my book beside her husband's bed.

593
00:24:41,520 --> 00:24:42,040
Speaker 5: What a man?

594
00:24:42,200 --> 00:24:43,360
Speaker 2: What a man? Exactly.

595
00:24:43,480 --> 00:24:46,600
Speaker 5: So after reading your books and you know, trying my

596
00:24:46,680 --> 00:24:48,720
Speaker 5: hardest to learn, and like I said, I wanted to

597
00:24:48,760 --> 00:24:50,760
Speaker 5: be better. Yeah, I want to serve a future for

598
00:24:50,800 --> 00:24:53,679
Speaker 5: my kids, we decided to just invested at forty thousand dollars.

599
00:24:53,800 --> 00:24:56,480
Speaker 2: Furniture will come later, other things will come later. There's

600
00:24:56,480 --> 00:24:59,440
Speaker 2: just invested in. See wow. So it's been invested for

601
00:24:59,480 --> 00:25:00,960
Speaker 2: a year and a half now and it's up to

602
00:25:01,080 --> 00:25:02,639
Speaker 2: about fifty five thousand dollars.

603
00:25:02,760 --> 00:25:05,159
Speaker 4: Stop it And how did you make a decision on

604
00:25:05,200 --> 00:25:07,440
Speaker 4: how to invest? What did you invest in? Like, did

605
00:25:07,480 --> 00:25:10,360
Speaker 4: you use like a share trading platform or what did

606
00:25:10,359 --> 00:25:10,640
Speaker 4: you do?

607
00:25:10,760 --> 00:25:14,160
Speaker 2: So we've got invested through life Share part perfect aft.

608
00:25:14,400 --> 00:25:16,879
Speaker 4: How did you find live Shaper because we love live Sharper.

609
00:25:17,000 --> 00:25:20,200
Speaker 4: I'm licensed by money Sherpa so Vince who owns both

610
00:25:20,240 --> 00:25:21,280
Speaker 4: of those BFF.

611
00:25:21,359 --> 00:25:23,000
Speaker 2: Yeah, I think I got it through you. Yeah, I

612
00:25:23,000 --> 00:25:24,920
Speaker 2: think I've got the recommendation through you at some point.

613
00:25:25,200 --> 00:25:26,000
Speaker 4: I love that.

614
00:25:26,760 --> 00:25:28,719
Speaker 2: Yeah, so thank you for passing that off.

615
00:25:29,080 --> 00:25:31,320
Speaker 4: That is okay. They do a good job, right And

616
00:25:31,320 --> 00:25:33,159
Speaker 4: for those of you following along at home who like

617
00:25:33,280 --> 00:25:36,120
Speaker 4: live shirper what Life Shurpa is kind of like if

618
00:25:36,160 --> 00:25:38,560
Speaker 4: you don't want to do it yourself. It's like a

619
00:25:38,960 --> 00:25:42,960
Speaker 4: financial advice service, but they automate a lot of it

620
00:25:43,040 --> 00:25:45,720
Speaker 4: for you, so it's a much more cost effective way.

621
00:25:46,119 --> 00:25:49,240
Speaker 4: But it's also just good that good people doing good things.

622
00:25:49,280 --> 00:25:51,520
Speaker 4: I'm so glad that you've had a positive experience. And sorry,

623
00:25:51,520 --> 00:25:53,480
Speaker 4: forty grand invested. Now you're at fifty five.

624
00:25:53,800 --> 00:25:55,200
Speaker 2: Yeah, just a year and a half.

625
00:25:55,400 --> 00:25:57,240
Speaker 4: Oh a year and a half money win.

626
00:25:57,600 --> 00:25:58,920
Speaker 2: Yeah, we're very impressed.

627
00:25:59,160 --> 00:26:00,920
Speaker 5: And then we just had and we had a bit

628
00:26:00,960 --> 00:26:03,639
Speaker 5: of saving left over from the kid's money that we

629
00:26:03,720 --> 00:26:06,479
Speaker 5: try not to touch, so we invested that as well and

630
00:26:06,520 --> 00:26:08,399
Speaker 5: just do a separate kids account because we thought we're

631
00:26:08,400 --> 00:26:10,560
Speaker 5: not touching it anyway, we mustn't put it in there

632
00:26:10,640 --> 00:26:13,760
Speaker 5: into the bank. It's working better for us in life chapter.

633
00:26:14,080 --> 00:26:17,520
Speaker 5: So that's also made another seven hundred dollars. It's only

634
00:26:17,560 --> 00:26:19,320
Speaker 5: been I love that three or four months.

635
00:26:19,359 --> 00:26:22,320
Speaker 4: That's been a best You have worked so hard to

636
00:26:22,320 --> 00:26:24,439
Speaker 4: give your family literally everything, and I feel like you

637
00:26:24,480 --> 00:26:27,040
Speaker 4: are a budgeting queen. But I need to know how

638
00:26:27,080 --> 00:26:31,160
Speaker 4: are you protecting it? Do you have personal insurances?

639
00:26:31,200 --> 00:26:31,920
Speaker 2: Not yet?

640
00:26:32,160 --> 00:26:36,240
Speaker 5: And it's really something that makes me feel really uncomfortable

641
00:26:36,280 --> 00:26:39,840
Speaker 5: and guilty that I haven't sorted that out yet. But

642
00:26:39,880 --> 00:26:42,040
Speaker 5: it's going to be a twenty twenty six goal for sure.

643
00:26:42,440 --> 00:26:45,160
Speaker 2: It has to be. I love my kids and I've

644
00:26:45,320 --> 00:26:46,600
Speaker 2: worked too hard not to.

645
00:26:47,880 --> 00:26:50,320
Speaker 4: Protective about that. Yeah, it's crazy because I feel like

646
00:26:50,359 --> 00:26:51,879
Speaker 4: so many of us don't think about it, and then

647
00:26:51,920 --> 00:26:53,879
Speaker 4: we do, and then it's a really big admin task,

648
00:26:54,119 --> 00:26:55,920
Speaker 4: and then it's not. I promise it's not a really

649
00:26:55,920 --> 00:26:58,359
Speaker 4: big admin task. It's just like pulling the trigger and

650
00:26:58,359 --> 00:27:00,639
Speaker 4: making an appointment. So you guys have gone through this

651
00:27:00,720 --> 00:27:04,520
Speaker 4: chaotic property journey, you're finally in your dream home, which

652
00:27:04,560 --> 00:27:09,960
Speaker 4: is a money win. What's next? So well, babies no. Three,

653
00:27:10,040 --> 00:27:11,720
Speaker 4: I've tapped out, bab There's plenty.

654
00:27:11,880 --> 00:27:14,960
Speaker 5: Yes, it's a bit chaotic, there's plenty.

655
00:27:15,200 --> 00:27:16,960
Speaker 2: We want to say for a europe trip Orge?

656
00:27:17,000 --> 00:27:18,320
Speaker 4: Is that your next big money goal?

657
00:27:18,600 --> 00:27:20,880
Speaker 5: Kind of we're just putting little pennies away because it's

658
00:27:20,920 --> 00:27:23,320
Speaker 5: our fortieth in three or four years, so we thought,

659
00:27:23,400 --> 00:27:26,080
Speaker 5: let's just start putting money away for that, just so

660
00:27:26,160 --> 00:27:28,320
Speaker 5: we can go with our kids, because we don't really splurge.

661
00:27:28,320 --> 00:27:31,600
Speaker 5: We don't really do big things like that ever, we

662
00:27:31,720 --> 00:27:35,119
Speaker 5: really mellow, keep it slow, enjoy the kids as they

663
00:27:35,160 --> 00:27:36,840
Speaker 5: are now, don't do too much too quickly.

664
00:27:37,359 --> 00:27:39,320
Speaker 2: So we think we really saving towards that.

665
00:27:39,320 --> 00:27:40,879
Speaker 5: Because that's something we would enjoy, and we think we

666
00:27:40,960 --> 00:27:42,880
Speaker 5: want to give them that experience. They'll be old enough

667
00:27:42,920 --> 00:27:43,720
Speaker 5: to enjoy it.

668
00:27:43,760 --> 00:27:46,200
Speaker 4: Then, yeah, and probably remember it as well.

669
00:27:46,359 --> 00:27:46,760
Speaker 1: Yeah.

670
00:27:46,880 --> 00:27:48,880
Speaker 2: Yeah, because if you do go to Europe, there's lots

671
00:27:48,880 --> 00:27:50,720
Speaker 2: of walking, there's lots of you need a lot of

672
00:27:50,720 --> 00:27:53,600
Speaker 2: patients seem to test this and taste that. So I

673
00:27:53,600 --> 00:27:55,439
Speaker 2: think could bring them all their babies would be a

674
00:27:55,440 --> 00:27:58,240
Speaker 2: bit tricky. And I suppose with money We're to you next.

675
00:27:58,320 --> 00:28:00,320
Speaker 2: I'm looking for a side hustle on top of my

676
00:28:00,920 --> 00:28:01,480
Speaker 2: job that I.

677
00:28:01,480 --> 00:28:05,720
Speaker 4: Do because you don't have enough on right now, Fundo.

678
00:28:07,200 --> 00:28:09,399
Speaker 5: I'm just really driven. I'm a very driven person and

679
00:28:09,520 --> 00:28:12,600
Speaker 5: very goal orientated. I can tell so if I could

680
00:28:12,600 --> 00:28:15,800
Speaker 5: be doing more with my time, I really want to

681
00:28:15,840 --> 00:28:19,240
Speaker 5: explore that. So I'm looking for like a side hustle,

682
00:28:19,280 --> 00:28:21,520
Speaker 5: whether it be I wanted to be something that aligns

683
00:28:21,520 --> 00:28:24,000
Speaker 5: with my values and I want to take to take

684
00:28:24,040 --> 00:28:27,080
Speaker 5: consideration and not just go for anything that might pop up.

685
00:28:27,160 --> 00:28:28,200
Speaker 4: So yeah, that's fair.

686
00:28:28,240 --> 00:28:30,880
Speaker 2: I really want something in finance. Yeah, side of things.

687
00:28:30,920 --> 00:28:33,879
Speaker 5: I don't know what exactly yet, but something so that

688
00:28:33,960 --> 00:28:35,400
Speaker 5: helps people to achieve their goal.

689
00:28:35,520 --> 00:28:38,440
Speaker 2: I think I would really be fun fulfilling, obsessed.

690
00:28:38,640 --> 00:28:40,840
Speaker 4: So do you have any other big money goals that

691
00:28:40,840 --> 00:28:43,520
Speaker 4: you're working towards. Is there just like now, smash down

692
00:28:43,560 --> 00:28:47,240
Speaker 4: mortgages and save for Europe? Or is there something else

693
00:28:47,280 --> 00:28:48,800
Speaker 4: on the table as well? Because I feel like you

694
00:28:48,800 --> 00:28:51,240
Speaker 4: guys have big dreams. You say you're slow, but like

695
00:28:51,280 --> 00:28:52,640
Speaker 4: you're also making big bucks.

696
00:28:52,720 --> 00:28:55,160
Speaker 2: Yeah, I want to invest for I think as well.

697
00:28:55,200 --> 00:28:58,520
Speaker 5: That's always something that comes up in our conversations. We

698
00:28:58,600 --> 00:29:01,240
Speaker 5: don't earn enough weekly now to do that per fortnit

699
00:29:01,360 --> 00:29:04,640
Speaker 5: or per pay cycle, so we do want to invest more.

700
00:29:04,960 --> 00:29:08,000
Speaker 5: And my husband floats the idea of buying another investment property.

701
00:29:08,200 --> 00:29:09,960
Speaker 5: I'm not sure whether it's worth it now with the

702
00:29:10,000 --> 00:29:13,000
Speaker 5: government taxes and things, to be honest.

703
00:29:12,920 --> 00:29:14,720
Speaker 2: Yeah, I need to do some more research on that.

704
00:29:14,840 --> 00:29:17,400
Speaker 2: But we do want to definitely invest more. That's a

705
00:29:17,440 --> 00:29:20,040
Speaker 2: non negotiable for us. It's just when, when can we when?

706
00:29:20,080 --> 00:29:20,840
Speaker 4: And where and how?

707
00:29:21,160 --> 00:29:21,440
Speaker 1: Yeah?

708
00:29:21,480 --> 00:29:24,240
Speaker 4: That's fair. Yeah, and also finding the balance, because it

709
00:29:24,280 --> 00:29:26,920
Speaker 4: sounds like you've been through I would say a lot

710
00:29:26,960 --> 00:29:30,360
Speaker 4: of financial stress and you're probably a little bit triggered

711
00:29:30,400 --> 00:29:32,040
Speaker 4: by that because you're like, actually, just don't want to

712
00:29:32,040 --> 00:29:33,920
Speaker 4: be back in that situation, Like, we don't have to

713
00:29:33,960 --> 00:29:35,720
Speaker 4: do that, so let's not do that. If it means

714
00:29:35,880 --> 00:29:38,200
Speaker 4: that we don't have another investment property for a long time,

715
00:29:38,280 --> 00:29:39,240
Speaker 4: that's fine too.

716
00:29:39,480 --> 00:29:42,800
Speaker 2: Absolutely, it's been a lot of do you need that? Yeah,

717
00:29:42,840 --> 00:29:43,560
Speaker 2: do we need that?

718
00:29:43,600 --> 00:29:45,280
Speaker 5: Because we don't really have the money to buy that

719
00:29:45,360 --> 00:29:48,440
Speaker 5: right now. So it'd be nice to just be comfortable

720
00:29:48,480 --> 00:29:49,080
Speaker 5: for a little bit.

721
00:29:49,160 --> 00:29:51,920
Speaker 4: Yeah, totally, especially while kids are little and you probably

722
00:29:51,920 --> 00:29:55,160
Speaker 4: want to seize different opportunities, and I mean, everything adds up.

723
00:29:55,240 --> 00:29:57,520
Speaker 4: And the second you said you had three kids, I'm like,

724
00:29:57,880 --> 00:30:00,520
Speaker 4: that's expensive. And it's not just because you know, you

725
00:30:00,600 --> 00:30:03,200
Speaker 4: might choose private school or something, but even if you

726
00:30:03,200 --> 00:30:05,280
Speaker 4: want to take the kids to the zoo, the family

727
00:30:05,320 --> 00:30:07,400
Speaker 4: pack is two adults, two kids, You've always got to

728
00:30:07,400 --> 00:30:10,400
Speaker 4: spend that extra to get the third kid in, and

729
00:30:10,520 --> 00:30:11,880
Speaker 4: just everything adds up.

730
00:30:12,040 --> 00:30:15,080
Speaker 2: Yeah, then we want ice cream, and then I want yipsident.

731
00:30:15,360 --> 00:30:16,680
Speaker 4: Yeah, and if one got chips, three.

732
00:30:16,560 --> 00:30:21,440
Speaker 5: Gets chips, that's right, very quickly.

733
00:30:21,240 --> 00:30:23,240
Speaker 4: Yes, would all right, let's go to a really quick

734
00:30:23,240 --> 00:30:25,520
Speaker 4: break because on the flip side, I want to ask

735
00:30:25,560 --> 00:30:28,720
Speaker 4: a little bit more about your investment strategy, the debt

736
00:30:28,760 --> 00:30:31,520
Speaker 4: that you're currently in on all of those properties, and

737
00:30:31,640 --> 00:30:33,760
Speaker 4: your best and worst money have it. So guys don't

738
00:30:33,760 --> 00:30:40,640
Speaker 4: go anywhere, all right, money drives, We are back. I

739
00:30:40,680 --> 00:30:42,680
Speaker 4: want to know a little bit more about your investment

740
00:30:42,760 --> 00:30:46,120
Speaker 4: journey because it's not one that we have as commonly

741
00:30:46,280 --> 00:30:48,920
Speaker 4: on money diries. Right. I feel like every time I

742
00:30:48,960 --> 00:30:50,880
Speaker 4: talk to somebody about what do you do? They're a

743
00:30:50,960 --> 00:30:54,280
Speaker 4: DIY investor, which is fantastic. But you've got more of

744
00:30:54,360 --> 00:30:57,400
Speaker 4: an assisted approach, but not like a full blown financial

745
00:30:57,440 --> 00:31:01,000
Speaker 4: advice approach. Yes, how was that system for you? You

746
00:31:01,080 --> 00:31:04,960
Speaker 4: went through life Shurpa. They obviously made recommendations based on

747
00:31:05,000 --> 00:31:07,400
Speaker 4: what you would invest in. What does that look like

748
00:31:07,480 --> 00:31:07,680
Speaker 4: for you?

749
00:31:07,720 --> 00:31:10,920
Speaker 2: They offer different platforms to invest into, so you could

750
00:31:10,960 --> 00:31:12,880
Speaker 2: go there was a percentage of risk base.

751
00:31:13,120 --> 00:31:14,320
Speaker 4: I just want to know what you do.

752
00:31:14,480 --> 00:31:15,800
Speaker 2: Yeah, we did the highest risk.

753
00:31:16,440 --> 00:31:19,640
Speaker 4: Good job. I mean if it works out for you great.

754
00:31:19,440 --> 00:31:22,360
Speaker 2: Yeah, because we're long term, so we thought let's do

755
00:31:22,480 --> 00:31:25,800
Speaker 2: the high risk. It says the recommendation is not to

756
00:31:25,800 --> 00:31:29,720
Speaker 2: touch it between after eight years and up above, so

757
00:31:29,760 --> 00:31:31,600
Speaker 2: we thought, we're not in a rush for this money.

758
00:31:31,920 --> 00:31:33,840
Speaker 5: If it works well for us, and it works hard

759
00:31:33,880 --> 00:31:36,000
Speaker 5: for us there and it makes us money. Great, let's

760
00:31:36,040 --> 00:31:38,640
Speaker 5: just leave it and see what it does. So we've

761
00:31:38,680 --> 00:31:41,320
Speaker 5: just put it in there. We've not added much to it.

762
00:31:41,320 --> 00:31:43,440
Speaker 5: It's just sitting there and it's doing its Then.

763
00:31:43,720 --> 00:31:45,880
Speaker 4: I know you said before like cash flow is just

764
00:31:45,920 --> 00:31:48,200
Speaker 4: not allowing us to invest more per week. But what

765
00:31:48,240 --> 00:31:50,360
Speaker 4: would happen if that changed and you had like a

766
00:31:50,360 --> 00:31:52,840
Speaker 4: couple of one hundred dollars every month to invest? Can

767
00:31:52,920 --> 00:31:54,560
Speaker 4: you just drop that in or do you need a

768
00:31:54,560 --> 00:31:56,360
Speaker 4: specific plan? How does that work?

769
00:31:56,440 --> 00:31:58,520
Speaker 2: Yeah, we would budget that in. We've already floated that

770
00:31:58,600 --> 00:32:01,720
Speaker 2: idea of us to work more. My pay grows up,

771
00:32:01,720 --> 00:32:02,640
Speaker 2: we put a bit more.

772
00:32:02,520 --> 00:32:05,720
Speaker 5: Into our investments and a bit more into my super

773
00:32:05,960 --> 00:32:07,480
Speaker 5: just to try to make up for the years that

774
00:32:07,520 --> 00:32:09,960
Speaker 5: I was on maternity leave. But it's not we're not

775
00:32:10,000 --> 00:32:12,560
Speaker 5: there yet because the pay increases haven't rolled around yet.

776
00:32:12,680 --> 00:32:14,640
Speaker 4: Talk to me now about debt. So you've sold your

777
00:32:14,640 --> 00:32:17,520
Speaker 4: first property. We got a two hundred and fifty thousand

778
00:32:17,480 --> 00:32:19,840
Speaker 4: dollars money we in profit out of that ten out

779
00:32:19,880 --> 00:32:23,720
Speaker 4: of ten, we then have your current family home and

780
00:32:23,760 --> 00:32:27,480
Speaker 4: your investment property. What did the total on your current

781
00:32:27,520 --> 00:32:28,600
Speaker 4: family home come.

782
00:32:28,440 --> 00:32:31,480
Speaker 5: To so at the moment, our homeland's on seven hundred

783
00:32:31,480 --> 00:32:32,640
Speaker 5: thousand exactly.

784
00:32:32,760 --> 00:32:35,480
Speaker 4: And do you remember what you invested in that, because

785
00:32:35,480 --> 00:32:37,480
Speaker 4: I remember you said earlier that there was like a

786
00:32:37,480 --> 00:32:40,560
Speaker 4: three hundred and fifty thousand dollar build contract, but that

787
00:32:40,600 --> 00:32:43,440
Speaker 4: didn't include the land, that's right, So what was the

788
00:32:43,520 --> 00:32:45,320
Speaker 4: land and the build contract?

789
00:32:45,520 --> 00:32:48,560
Speaker 2: The land was four hundred and eighty okay, yeah, and

790
00:32:48,600 --> 00:32:51,719
Speaker 2: the build was three fifty ish.

791
00:32:51,040 --> 00:32:52,880
Speaker 4: So sitting on seven hundred is pretty good.

792
00:32:53,120 --> 00:32:54,200
Speaker 2: Yeah, we've tried really hard.

793
00:32:54,240 --> 00:32:57,040
Speaker 5: We put extra every fortnight, every pay we put extra,

794
00:32:57,160 --> 00:32:59,520
Speaker 5: regardless of our financial situation.

795
00:32:59,520 --> 00:33:01,320
Speaker 4: We've always Yeah, that's why I'm being pervy. I'm like,

796
00:33:01,360 --> 00:33:02,760
Speaker 4: so what did you spend on land? And what do

797
00:33:02,760 --> 00:33:03,920
Speaker 4: you spend on the bill? So I can do some

798
00:33:04,000 --> 00:33:06,040
Speaker 4: math so work out if seven hundred is like a

799
00:33:06,040 --> 00:33:08,000
Speaker 4: really good thing or like, you know, you're still at

800
00:33:08,000 --> 00:33:10,240
Speaker 4: where you started? Do you know what the property is

801
00:33:10,280 --> 00:33:11,840
Speaker 4: worth now? Has that changed?

802
00:33:12,160 --> 00:33:13,920
Speaker 2: Yes? So brother around the nine to fifty mark?

803
00:33:14,120 --> 00:33:18,560
Speaker 4: Okay, queen, how exciting that must be really validating after

804
00:33:18,600 --> 00:33:21,560
Speaker 4: having gone through arguably a pretty traumatic period to get there.

805
00:33:21,680 --> 00:33:23,720
Speaker 2: Right, It's nice to hear we don't have an intention

806
00:33:23,800 --> 00:33:26,040
Speaker 2: of selling, nor do we have any intention of borrowing

807
00:33:26,080 --> 00:33:27,600
Speaker 2: against the house, but it's fice to know.

808
00:33:27,640 --> 00:33:29,560
Speaker 4: It's a good thing. Well, nobody wants to hear that

809
00:33:29,560 --> 00:33:32,080
Speaker 4: their property is worth less than what they're paying for it, Like,

810
00:33:32,160 --> 00:33:36,280
Speaker 4: that's very stressful. But tell me now about the investment

811
00:33:36,400 --> 00:33:39,080
Speaker 4: property that you've got with your brothers. How's that tracking.

812
00:33:39,120 --> 00:33:41,200
Speaker 4: I'm assuming that once you moved out, you leased it

813
00:33:41,240 --> 00:33:42,200
Speaker 4: out to somebody else.

814
00:33:42,360 --> 00:33:45,640
Speaker 2: It is, thankfully, so we bought it for around six

815
00:33:45,720 --> 00:33:49,160
Speaker 2: hundred and thirty thousand dollars. Yeah, we initially we're paying

816
00:33:49,520 --> 00:33:50,880
Speaker 2: interest and capital.

817
00:33:51,400 --> 00:33:53,720
Speaker 5: With the interest rates for all what young families, it

818
00:33:53,840 --> 00:33:55,560
Speaker 5: just became too much for us. So we just ended

819
00:33:55,600 --> 00:33:57,480
Speaker 5: up going back to the bank and asking to just

820
00:33:57,520 --> 00:33:59,760
Speaker 5: do interest only for a little bit, just until things

821
00:33:59,840 --> 00:34:00,600
Speaker 5: come down.

822
00:34:00,440 --> 00:34:02,360
Speaker 2: And we can breathe a bit more.

823
00:34:02,680 --> 00:34:06,640
Speaker 5: So we pay interest soroundly on that monthly takes one

824
00:34:06,640 --> 00:34:09,000
Speaker 5: and a half thousand dollars, but our share is one

825
00:34:09,040 --> 00:34:10,160
Speaker 5: hundred and ten dollars per week.

826
00:34:10,200 --> 00:34:13,040
Speaker 4: Okay, so it's are you saying that the total mortgage

827
00:34:13,040 --> 00:34:14,480
Speaker 4: is one and a half thousand dollars.

828
00:34:14,400 --> 00:34:16,160
Speaker 2: Total mortgage to interest rightly? Yes?

829
00:34:16,239 --> 00:34:17,960
Speaker 4: Yeah, yeah, yeah, but that's like the total and then

830
00:34:17,960 --> 00:34:20,480
Speaker 4: you split that fifteen hundred bucks across you and your brothers.

831
00:34:20,520 --> 00:34:22,520
Speaker 4: So it goes four ways, and then you all contribute.

832
00:34:22,760 --> 00:34:24,680
Speaker 4: And what is it rented out for? Do you have

833
00:34:24,719 --> 00:34:25,600
Speaker 4: a good rental yield?

834
00:34:25,640 --> 00:34:27,560
Speaker 2: We do you have a good rental yield? I believe

835
00:34:27,680 --> 00:34:30,200
Speaker 2: it is for eighty away? We know.

836
00:34:30,920 --> 00:34:32,640
Speaker 4: And what do you guys do with that? Do you

837
00:34:32,680 --> 00:34:35,040
Speaker 4: put that straight back into the mortgage? So is that

838
00:34:35,080 --> 00:34:39,759
Speaker 4: fifteen hundred dollars being offset by the rent coming in?

839
00:34:39,800 --> 00:34:42,359
Speaker 4: And then obviously you'd have like land tax and all

840
00:34:42,360 --> 00:34:44,600
Speaker 4: of that other fun stuff to deal with. But that

841
00:34:44,680 --> 00:34:46,840
Speaker 4: sounds like a good little system that you guys have

842
00:34:46,960 --> 00:34:47,480
Speaker 4: worked out.

843
00:34:47,960 --> 00:34:50,080
Speaker 2: Yeah, So it goes towards the mortgage and then we

844
00:34:50,120 --> 00:34:52,560
Speaker 2: put our share in to cover the rest. And then

845
00:34:52,640 --> 00:34:54,279
Speaker 2: there's always a bit more of a buffer to cover

846
00:34:54,320 --> 00:34:56,279
Speaker 2: if unexpected expenses pop up.

847
00:34:56,360 --> 00:34:58,040
Speaker 4: Yeah, and I feel like if you're going to be

848
00:34:58,280 --> 00:35:01,640
Speaker 4: doing an investment with somebody else or with three brothers,

849
00:35:01,680 --> 00:35:04,040
Speaker 4: So it goes four ways. We need to build in

850
00:35:04,040 --> 00:35:07,160
Speaker 4: a buffer so nobody gets surprised when air con breaks

851
00:35:07,200 --> 00:35:10,520
Speaker 4: or the hot water system needs repairs or something happens, because,

852
00:35:10,960 --> 00:35:13,200
Speaker 4: as you said before, you all have young families. We

853
00:35:13,239 --> 00:35:15,799
Speaker 4: don't just have money sitting there for stuff like that,

854
00:35:15,880 --> 00:35:18,480
Speaker 4: So building in the buffer would probably save a lot

855
00:35:18,520 --> 00:35:22,200
Speaker 4: of stress. Do you know what that property is worth now?

856
00:35:22,200 --> 00:35:24,279
Speaker 4: Because you said you purchased it a few years ago

857
00:35:24,719 --> 00:35:26,839
Speaker 4: and you've got like six thirty ozer ing on it,

858
00:35:27,160 --> 00:35:28,239
Speaker 4: what's it worth.

859
00:35:28,200 --> 00:35:29,920
Speaker 2: At least nine point fifty now?

860
00:35:30,120 --> 00:35:32,479
Speaker 5: It's in a very good spot on your main road,

861
00:35:33,000 --> 00:35:35,160
Speaker 5: shops around the corner, so it would have gone up

862
00:35:35,200 --> 00:35:36,680
Speaker 5: significantly in that time, I believe.

863
00:35:36,840 --> 00:35:37,040
Speaker 6: Yeah.

864
00:35:37,040 --> 00:35:39,799
Speaker 4: And not to be too morbid, you did mention, hey,

865
00:35:40,120 --> 00:35:41,799
Speaker 4: mum is going to leave the house to us, so

866
00:35:41,840 --> 00:35:44,720
Speaker 4: we bought the house next door. Is that a future

867
00:35:44,760 --> 00:35:48,640
Speaker 4: development opportunity? Is that where our brains are going? Because

868
00:35:48,640 --> 00:35:49,919
Speaker 4: I feel like you're a veno queen.

869
00:35:50,239 --> 00:35:53,680
Speaker 5: Yes, the discussion. We do want to do that. However

870
00:35:54,520 --> 00:35:57,279
Speaker 5: it's going to be left to me to do. The

871
00:35:57,280 --> 00:35:58,319
Speaker 5: boys are kind of like.

872
00:35:58,680 --> 00:36:00,560
Speaker 2: Yeah, let's like build pop what is on it? But

873
00:36:00,600 --> 00:36:03,160
Speaker 2: you can organize it, You've done it before, you.

874
00:36:03,080 --> 00:36:05,520
Speaker 4: Can do it through a project management fee. I can

875
00:36:05,560 --> 00:36:06,120
Speaker 4: do anything.

876
00:36:07,719 --> 00:36:08,319
Speaker 2: I should do that.

877
00:36:08,640 --> 00:36:10,319
Speaker 4: Like I looked after you when you were children and

878
00:36:10,360 --> 00:36:12,759
Speaker 4: you didn't have an income, and now you're benefiting from it.

879
00:36:12,840 --> 00:36:14,800
Speaker 4: I do too. Thank you so much for coming.

880
00:36:16,000 --> 00:36:17,080
Speaker 2: Absolutely should do.

881
00:36:17,080 --> 00:36:20,600
Speaker 4: Oh my goodness, how stressful, but also like very fun

882
00:36:20,640 --> 00:36:23,240
Speaker 4: to know that, like everything is kind of sorting itself

883
00:36:23,280 --> 00:36:25,920
Speaker 4: out along the way. Talk to me, what do you

884
00:36:25,920 --> 00:36:27,480
Speaker 4: think your best money habit is.

885
00:36:27,680 --> 00:36:31,240
Speaker 2: I think, as I'm getting older and with children and everything,

886
00:36:31,280 --> 00:36:33,879
Speaker 2: I think my best money habit would be I try

887
00:36:33,920 --> 00:36:37,560
Speaker 2: to consider things more now, and I try to slow down, and.

888
00:36:37,560 --> 00:36:41,280
Speaker 5: I try to compare worth versus value before I commit

889
00:36:41,320 --> 00:36:45,640
Speaker 5: and before I purchase something. So for example, oh, my gosh,

890
00:36:45,680 --> 00:36:48,960
Speaker 5: this clothing brand is on sale. That's really cheap. That's amazing.

891
00:36:48,960 --> 00:36:50,879
Speaker 5: I should jump on it. Is it worth it?

892
00:36:51,000 --> 00:36:53,320
Speaker 2: Do I need it? Is it's going to fall apart

893
00:36:53,440 --> 00:36:56,560
Speaker 2: after a month of wearing it, Or like, look, it

894
00:36:56,600 --> 00:36:59,200
Speaker 2: would be lovely to go to Japan, like my friends

895
00:36:59,239 --> 00:37:02,200
Speaker 2: are going. You know, is that expensive holiday worth it

896
00:37:02,280 --> 00:37:03,239
Speaker 2: for us right now?

897
00:37:03,400 --> 00:37:06,080
Speaker 5: Yeah, in our current situation, with the ages of the

898
00:37:06,120 --> 00:37:09,080
Speaker 5: kids that we've got, probably not. So trying to be

899
00:37:09,239 --> 00:37:12,040
Speaker 5: more considerate, I suppose, and slow down with money.

900
00:37:11,760 --> 00:37:13,279
Speaker 4: And that's a really good thing. And I feel like

901
00:37:13,320 --> 00:37:15,319
Speaker 4: you are quite resourceful as well, like the fact that

902
00:37:15,320 --> 00:37:17,080
Speaker 4: you were like, yeah, I went back to work and

903
00:37:17,120 --> 00:37:19,240
Speaker 4: I was, you know, working as a primary school teacher.

904
00:37:19,320 --> 00:37:22,399
Speaker 4: Two days a week during COVID. I'm like, this girl's

905
00:37:22,400 --> 00:37:25,840
Speaker 4: a hustler, like you are resourceful, and it's it's just

906
00:37:25,880 --> 00:37:28,200
Speaker 4: so nice to hear like I just I love women

907
00:37:28,239 --> 00:37:30,240
Speaker 4: who are like, no, I can go do that. That's fine.

908
00:37:30,280 --> 00:37:32,359
Speaker 4: Before you said I want to do more with my time,

909
00:37:32,400 --> 00:37:34,839
Speaker 4: and I'm thinking, what do you mean more? You are

910
00:37:34,920 --> 00:37:37,680
Speaker 4: working and you have three children, Queen, that's okay.

911
00:37:37,719 --> 00:37:39,840
Speaker 2: We've got one at school, one at kinder so it

912
00:37:39,840 --> 00:37:40,720
Speaker 2: gets a bit easier.

913
00:37:40,840 --> 00:37:43,200
Speaker 4: It gets easier over time, But that doesn't mean that

914
00:37:43,239 --> 00:37:45,080
Speaker 4: we need our side hustle. But I love that you

915
00:37:45,160 --> 00:37:47,160
Speaker 4: want one, and I am backing you to the hill.

916
00:37:47,400 --> 00:37:48,879
Speaker 4: On the flip side, what do you think your worst

917
00:37:48,920 --> 00:37:49,680
Speaker 4: money habit is.

918
00:37:50,000 --> 00:37:52,000
Speaker 2: I think my worst money habit would be the little

919
00:37:52,000 --> 00:37:54,879
Speaker 2: spendings that can occur. So if I'm with the kids

920
00:37:54,960 --> 00:37:57,359
Speaker 2: at Target and there's like a sale on and they're like.

921
00:37:57,320 --> 00:38:00,000
Speaker 4: Well, well, yeah, it's fine, it's so easy.

922
00:38:00,280 --> 00:38:02,400
Speaker 2: Hopeful a baby Chino as well, like that's fine. I

923
00:38:02,400 --> 00:38:04,360
Speaker 2: think there's little spendings can add.

924
00:38:04,239 --> 00:38:07,239
Speaker 4: Up because they totally can. They totally can. But then

925
00:38:07,280 --> 00:38:09,800
Speaker 4: it's also like we need to find the balance between

926
00:38:10,080 --> 00:38:12,520
Speaker 4: financial stability and the long term and I'm also enjoying

927
00:38:12,520 --> 00:38:15,520
Speaker 4: the journey, and I don't know, a baby Chino is

928
00:38:15,560 --> 00:38:17,479
Speaker 4: just so I have a baby.

929
00:38:18,040 --> 00:38:18,479
Speaker 2: It's fine.

930
00:38:18,560 --> 00:38:20,319
Speaker 4: Yeah, but then it's six dollars, isn't it.

931
00:38:20,920 --> 00:38:23,120
Speaker 2: That's fine.

932
00:38:23,800 --> 00:38:26,000
Speaker 4: So you're like, yours is just tripling. I love this

933
00:38:26,160 --> 00:38:29,120
Speaker 4: so much money? Dost you said? Oh, I think I'm

934
00:38:29,120 --> 00:38:32,719
Speaker 4: a B or a B? Like, are you sure, like,

935
00:38:32,920 --> 00:38:35,280
Speaker 4: reflecting on all of this and everything that you've achieved

936
00:38:35,320 --> 00:38:38,800
Speaker 4: and gone through and done literally all at the same time,

937
00:38:39,480 --> 00:38:41,560
Speaker 4: do you feel like that's accurate? If so, what would

938
00:38:41,560 --> 00:38:42,719
Speaker 4: it take to get you to an A.

939
00:38:43,160 --> 00:38:45,040
Speaker 2: I am quite hard on myself. I've got very high

940
00:38:45,080 --> 00:38:48,799
Speaker 2: expectations of myself, so I think maybe it could be

941
00:38:48,800 --> 00:38:52,080
Speaker 2: moved to a B plus. But I think to move.

942
00:38:51,880 --> 00:38:54,080
Speaker 5: It to an A or an A plus, I just

943
00:38:54,120 --> 00:38:56,840
Speaker 5: want more money coming in to build ourselves up and

944
00:38:56,880 --> 00:38:59,040
Speaker 5: set ourselves up comfortably for the future.

945
00:38:59,200 --> 00:39:02,760
Speaker 2: So I think, once I'm working more at my current

946
00:39:02,840 --> 00:39:06,080
Speaker 2: job or the sign hustle, and I can feel us

947
00:39:06,239 --> 00:39:08,960
Speaker 2: getting comfortable and I feel like we're getting somewhere that

948
00:39:09,000 --> 00:39:10,200
Speaker 2: would make me feel a bit better.

949
00:39:10,239 --> 00:39:12,000
Speaker 4: I think, yeah, I won't argue with that, but I

950
00:39:12,040 --> 00:39:14,759
Speaker 4: think you're doing pretty damn well and I'm just very

951
00:39:14,800 --> 00:39:16,680
Speaker 4: proud of you and everything that you've achieved, and the

952
00:39:16,719 --> 00:39:18,640
Speaker 4: fact that you did three babies in three and a

953
00:39:18,680 --> 00:39:21,759
Speaker 4: half years while doing all of that. You're an icon.

954
00:39:22,120 --> 00:39:25,840
Speaker 4: I'm obsessed. That is very very cool, money Dorist. I

955
00:39:25,840 --> 00:39:28,359
Speaker 4: wish we had more time to chat, but thank you

956
00:39:28,400 --> 00:39:31,520
Speaker 4: so much for doing a money with me, sharing your journey,

957
00:39:31,680 --> 00:39:33,880
Speaker 4: sharing what you've done with your family, with your properties,

958
00:39:33,920 --> 00:39:36,440
Speaker 4: literally everything. I think that the community is going to

959
00:39:36,560 --> 00:39:39,080
Speaker 4: love this episode as much as I have loved recording

960
00:39:39,120 --> 00:39:41,839
Speaker 4: it with you, so thank you. I really appreciate it,

961
00:39:41,880 --> 00:39:44,080
Speaker 4: and also a very huge thank you to skuy Well

962
00:39:44,200 --> 00:39:46,719
Speaker 4: for making this episode possible. I'll chuck a whole heap

963
00:39:46,760 --> 00:39:49,239
Speaker 4: of information about them, how to get in contact, what

964
00:39:49,320 --> 00:39:51,000
Speaker 4: they do, how they do it in the show notes

965
00:39:51,040 --> 00:39:59,240
Speaker 4: for you to check out. Did by shared on Cheese

966
00:39:59,239 --> 00:40:01,480
Speaker 4: on the Money is general in nature and does not

967
00:40:01,640 --> 00:40:03,600
Speaker 4: consider your individual circumstances.

968
00:40:03,960 --> 00:40:07,400
Speaker 7: She's on the Money exists purely for educational purposes and

969
00:40:07,440 --> 00:40:09,840
Speaker 7: should not be relied upon to make an investment or

970
00:40:09,920 --> 00:40:13,480
Speaker 7: financial decision. If you do choose to buy a financial product,

971
00:40:13,600 --> 00:40:17,600
Speaker 7: read the PDS TMD and obtain appropriate financial advice tailored

972
00:40:17,600 --> 00:40:21,040
Speaker 7: towards your needs. Victoria divine and She's on the money.

973
00:40:21,120 --> 00:40:26,080
Speaker 7: Are authorized representatives of money sheper pty Ltd ABN three

974
00:40:26,120 --> 00:40:29,399
Speaker 7: two one six four nine two seven seven zero eight

975
00:40:29,680 --> 00:40:33,640
Speaker 7: AFSL four five one two eight nine