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Speaker 1: My name's Atasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya

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Speaker 1: nianar Kaka yah y and beIN a Ohaka nian our

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Speaker 1: gay In Mbini yakarum Jar, Dominyamka domag Ithawaka Woman, damon

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Speaker 1: Imlan Bumba ban Gadabomba in and now in wakah ghan

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Speaker 1: On yak rum Jar water Nadaa. Hello, beautiful friends, we

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Speaker 1: gather on the lands of the Aboriginal people. We thank,

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Speaker 1: acknowledge and respect the Abiginal people's land that we're gathering

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Speaker 1: on today. Take pleasure in all the land and respect

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Speaker 1: all that you see. She's on the Money podcast acknowledges culture, country,

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Speaker 1: community and connections, bringing you the tools, knowledge and resources

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Speaker 1: for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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

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Speaker 4: that makes personal finance fun, especially on Fridays. It is

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Speaker 4: our favorite day of the week because they get our

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Speaker 4: little team together and celebrate you our incredible She's on

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Speaker 4: the Money Community Misters Gricci is here and she is

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Speaker 4: sharing her favorite money wins from the community. Bex Away,

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Speaker 4: so I get to share this week's b kIPS and

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Speaker 4: we'll be helping to answer a juicy money dilemma, which

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Speaker 4: is all about things getting complicated after buying property with

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Speaker 4: a sibling and something that you slid into our dams

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Speaker 4: about how to teach your kids about money when you

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Speaker 4: and your co parent have wildly different money stories. Guys,

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Speaker 4: before we get there, miss Jessica Ricci, it's just you

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Speaker 4: and I sang it out today, just hanging out like

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Speaker 4: old times. How's your week being.

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Speaker 5: It's been good. I'm feeling a little bit run down

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Speaker 5: and a little bit under the leather, but not too bad.

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Speaker 5: I'm trying to think what I've done. I don't tell

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Speaker 5: you I started. I stepped up a level in ballet class.

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Speaker 5: Excuse me, I went from absolute beginner to beginner. I

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Speaker 5: love that look, which is so funny because now I

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Speaker 5: can say this and I didn't want to say when

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Speaker 5: I was in the class. I'm ninety seven percent sure

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Speaker 5: that one of the girls in my class is a listener,

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Speaker 5: and I'm pretty sure we've met her before. But you

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Speaker 5: know me, I'm too anxious, So.

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Speaker 4: You had to wait until you were out of her

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Speaker 4: class to say anything, Jessica.

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Speaker 5: There's not a lot of time to talking class. And also,

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Speaker 5: imagine if I went up to somebody and I was like,

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Speaker 5: oh my god, I remember you, thank you so much

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Speaker 5: for coming to our event, and they were like, who

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Speaker 5: are you?

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Speaker 4: And the audacity to assume that I know who you are?

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Speaker 4: I would have died. I will crawl up into.

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Speaker 5: A ball, genuinely. But I'm I would say ninety seven

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Speaker 5: percent sure. I'm not great with names, but I'm pretty

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Speaker 5: good with faces. So anyway, so if you're listening, just actually.

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Speaker 4: Say hi, I did see you. I did see you,

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Speaker 4: and I didn't want to make it weird. Yeah, how

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Speaker 4: we fin good? I actually laugh because we can be

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Speaker 4: incredibly socially awkward. It's funny on a podcast when it's

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Speaker 4: just two of us in a room, but in person,

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Speaker 4: I'm like her, du my week's been good. So something

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Speaker 4: that I have been enjoying very much recently. Mcgriddle, Oh

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Speaker 4: you do love a mcgriddle. I discovered them in America.

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Speaker 4: And when I say I discovered them, I mean brook

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Speaker 4: In our team made me eat one and I was

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Speaker 4: so confused. I was like, I don't know about this.

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Speaker 4: I fell in love with them. But McDonald's you and

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Speaker 4: I we got a chat because in America you can

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Speaker 4: get the chicken mcgriddle, but you can't get the chicken

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Speaker 4: mcgriddle in Australia. So every time I like go to

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Speaker 4: the drive through window and I'm like, hi, so could

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Speaker 4: I please get the sausage and cheese mcgriddle but not

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Speaker 4: have the sausage and put in a chicken patty? And

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Speaker 4: they're like, give me two seconds, and then they're like, oh, yeah,

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Speaker 4: we can do that. Just put the chicken mcgriddle on

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Speaker 4: the menu. People are gonna thank you for it because

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Speaker 4: it is the superior mcgriddle.

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Speaker 5: You can tell you. And McDonald's have beef.

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Speaker 4: We do, but I don't want the beef. What the chicken?

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Speaker 4: That has been? I guess the entire dilemma of my week, Jess,

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Speaker 4: as always, before we get into the money wins and

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Speaker 4: me getting to share Beck's broke tips. Would you like

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Speaker 4: a five star review? Read? I would like I serenade you,

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Speaker 4: please please? So this one's from Naomi. I found She's

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Speaker 4: on the Money back in twenty twenty two and have

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Speaker 4: loved watching the show grow and evolve to what it

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Speaker 4: is today. I haven't missed an episode. I love that

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Speaker 4: Beck is so loved by the community, as she truly

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Speaker 4: is relatable in her life's perspectives, and she's funny and real. Jess,

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Speaker 4: whom I actually met in Greece in twenty fifteen, Oh

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Speaker 4: my god, my friend, has always been the kind of

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Speaker 4: person who radiates kindness and sunshine. And Victoria is an

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Speaker 4: absolute powerhouse who keeps both herself and her content real, authentic,

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Speaker 4: and understandable. Together, this team makes each episode feel like

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Speaker 4: you're sitting in the room with them having a nice

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Speaker 4: catch up. And honestly, I wish I could make this

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Speaker 4: a reality for me one day. I mean, you did

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Speaker 4: in Greece twenty fifteen. Didn't you Keep up the incredible work, team,

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Speaker 4: You are changing lives every day through sharing valuable finance

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Speaker 4: education for everyone, no matter where they are in their

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Speaker 4: money journey. This is your legacy that will always be

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Speaker 4: remembered for generations to come. Isn't that so sweet?

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Speaker 5: How are you, queen? I'm pretty sure we wrote aquad

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Speaker 5: back together.

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Speaker 4: I hope actually she remember?

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Speaker 5: Yeah, no, if I remember correctly, I think we did

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Speaker 5: a tour and I was on the tour with a group.

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Speaker 5: There was I think seven of us or something. There

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Speaker 5: was a big group, and I'm pretty sure she was

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Speaker 5: solo traveling, and so she kind of just adopted her

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Speaker 5: and she hung out with our group of friends quite

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Speaker 5: a lot.

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Speaker 2: But she was lovely.

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Speaker 5: I hope that is so cute. I was on a

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Speaker 5: slod bike somewhere.

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Speaker 4: Yeah, you have to find it to be like, this

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Speaker 4: is just And if she's on the Money listener before

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Speaker 4: she's on the Money.

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Speaker 5: That is honestly so iconic.

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Speaker 4: I love it so much. All right. That was our

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Speaker 4: five star review, which honestly comes up our egos. Guys,

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Speaker 4: please feel free to leave some more flive star reviews

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Speaker 4: for us, because it might just up on the show.

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Speaker 4: But miss Jessicarici, what are your favorite money wins from

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Speaker 4: the Facebook group this week?

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Speaker 5: Alrighty, first this week, I've got one from Lola, who

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Speaker 5: said money win. I saw some free fruit at the shop,

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Speaker 5: so I made some bettery what I don't know how random.

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Speaker 5: She said, I see your random, I'll take it. And

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Speaker 5: she made banana muffins for her and her boyfriend and

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Speaker 5: then dried some up for treats for her rabbits. She

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Speaker 5: did include a pet tax photo of the rabbits, and

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Speaker 5: I need everyone to go look at the photo of

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Speaker 5: Nettle Biscuits.

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Speaker 4: Because no, sorry is his name Nettle Biscuits. Stop it,

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Speaker 4: she said sadly.

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Speaker 5: Periwinkle Parsley is too camera shy to be in the photo.

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Speaker 4: Perrywinkle Parsley, stop it.

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Speaker 5: I am die just in the group search Nettle Biscuits.

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Speaker 5: I'm sure it'll come up, just even to search biscuits

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Speaker 5: my favorite thing of the week.

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Speaker 4: You joking. That's thank you, Parsley. It's a little bit

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Speaker 4: too shy.

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Speaker 5: Pet tax approved.

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Speaker 4: But also, are you guys picking up on this trend?

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Speaker 4: If you send Jess a picture of your pets, you're

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Speaker 4: almost guaranteed to end on the show next.

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Speaker 5: I've good of money win this week from Laura, who

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Speaker 5: said her money in was that she deleted Uber Eats

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Speaker 5: from her phone apps. She's committed to cutting back spending

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Speaker 5: in this category. She reconciled her bank statements for the

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Speaker 5: last six months and said, oh my god, I got

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Speaker 5: curious about my household and probably shouldn't have looked. Yeah,

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Speaker 5: we've been talking a lot about Uber eats in the

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Speaker 5: office this week.

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Speaker 4: I'm sorry, but I am so salty at Uber eats

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Speaker 4: at the moment. You guys actually know that we've worked

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Speaker 4: with Uber before. Clearly that doesn't stop me, Like, if

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Speaker 4: you do something that I don't agree with, I don't

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Speaker 4: care if we've had an alliance in the past. You

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Speaker 4: guys have introduced early last month, you introduced after pay

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Speaker 4: to Uber Eats. I'm sorry to me. That is wildly

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Speaker 4: irresponsible and taking advantage of people during a cost of

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Speaker 4: living crisis. We have just had research come out to

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Speaker 4: say that this cost of living crisis is hitting us

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Speaker 4: harder than ever. And the way that you're combating that

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Speaker 4: after pay is putting after pay on your I'm really sorry.

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Speaker 4: I totally get that food. Is it a central service?

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Speaker 4: Do you know what? I have no issue with you

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Speaker 4: even after paying groceries. Do you know what, We're just

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Speaker 4: trying to do our best.

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Speaker 5: That's what you have to do.

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Speaker 4: You had people write in be like v I know

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Speaker 4: that you're all, you know, hater on after pay basically,

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Speaker 4: but like I used it for a doctor's appointment, pop

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Speaker 4: off queen, you can use it as a tool to

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Speaker 4: get the essential services that you need. If that's where

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Speaker 4: we're at, go that's where we're at. And I'm just

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Speaker 4: proud that you're finding a way to put food on

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Speaker 4: your table or go and get the medical care that

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Speaker 4: you need. Like, there is no judgment there, But you

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Speaker 4: cannot tell me that uber eats is an essential service. Yeah,

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Speaker 4: of course, Jess. We could have this conversation about how

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Speaker 4: uber eats has coals and like we could buy a

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Speaker 4: milk and flour at an inflated price, at a very

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Speaker 4: inflated price that I would say is taking advantage of

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Speaker 4: you in that situation. I agree, because milk Run, for example,

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Speaker 4: free delivery over a certain amount and doesn't inflate their prices. Like,

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Speaker 4: there are just so many different things. I just I

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Speaker 4: am big coming quite disheartened with the process. Yeah, and

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Speaker 4: just really frustrated because you know, a peel in our community. Hopefully, hopefully, guys,

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Speaker 4: you are going to see that and go ridiculous. Absolutely not. Yeah,

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Speaker 4: but it's not you, guys I'm worried about. It's the

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Speaker 4: people who aren't in our community. You're going to go,

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Speaker 4: oh my god, great, I'm going to use that on Friday, Yeah,

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Speaker 4: and then they just end up in debt and they're

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Speaker 4: paying for a pizza over four weeks ago. It's not

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Speaker 4: even like having a top that you don't wear that

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Speaker 4: you could potentially put on. Deep hop. Yeah, you already

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Speaker 4: ate the pizza it's got.

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Speaker 5: She's gone, Well, Laura won't have that problem. Well done, Laura. Next,

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Speaker 5: I got money in from Lily who said money win.

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Speaker 5: I got a snag Stand mixer from David Jones for

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Speaker 5: two hundred and sixty dollars because it was their last

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Speaker 5: and the display model. It's normally around seven hundred bucks.

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Speaker 5: Then I've got a money in from Sarah who said

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Speaker 5: she wanted to buy a snake plant for her front porch.

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Speaker 5: Her husband for some reason, back to the car into

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Speaker 5: the driveway last week. So she was driving out front first,

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Speaker 5: and as she was doing so, she saw right in

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Speaker 5: front of her, like the heavens opened up on the

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Speaker 5: side the road, on somebody's median strip, a snake plant.

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Speaker 5: She didn't even take the whole plant. She took some clippings,

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Speaker 5: and she saved herself fifty bucks.

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Speaker 4: Excuse me, you're like liberating plants that you could have

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Speaker 4: had the whole thing off. Oh.

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Speaker 5: I love that she's left it for somebody else to enjoy,

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Speaker 5: which I thought it was so sweety. Last of this week,

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Speaker 5: I've got a money in from Deha, who said money win.

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Speaker 5: I recently got an email from my age and asking

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Speaker 5: if I was using my car park. At first, I

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Speaker 5: was a little bit worried because I thought the owner

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Speaker 5: might want to rent it out themselves, But it turns

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Speaker 5: out they're actually in a bit of a bind with

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Speaker 5: another unit in the same building and they needed an

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Speaker 5: extra space. Deha doesn't use her car park, so she

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Speaker 5: said she saw an opportunity and negotiated. Now she's getting

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Speaker 5: ninety bucks a month for her car park. Oh money

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Speaker 5: weed t thousand and eighty dollars over the year that

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Speaker 5: she wasn't expecting.

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Speaker 4: That's actually so good. I saw some drama on a

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Speaker 4: different Facebook group the other day where someone had identified

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Speaker 4: an opportunity. So they have a car park in an

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Speaker 4: apartment and a different car always parks in their spot

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Speaker 4: because they don't use their spot. Still rude, I think

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Speaker 4: rude as well, because it's like, clearly laid or don't

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Speaker 4: it's clearly not yours. So they put a little note

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Speaker 4: on the car and said, hey, we notice that you

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Speaker 4: use our car park regularly and we would love to

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Speaker 4: rent it to you. And there was like an uproar

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Speaker 4: in that community of like, I can't believe that you

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Speaker 4: would take advantage of somebody like that. I was like,

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Speaker 4: I'm sorry, Sis, get your bank like you've realized someone's

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Speaker 4: basically using your spot for free.

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Speaker 5: Correct And if they want their own car park, they

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Speaker 5: can pay for a car park or they can rent

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Speaker 5: it off you.

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Speaker 4: Exactly. I'm glad we're on the same page about that.

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Speaker 4: So it is my time to shine. I get to

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Speaker 4: do bex Broke tips.

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Speaker 5: I'm so excited.

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Speaker 4: So do I hope I do them justice. So first

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Speaker 4: one is from Tanya, and Tanya says, if you're really

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Speaker 4: struggling for whatever reason, there is a charity organization called

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Speaker 4: Lazagna Love, and they pair lazagna chefs with people in

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Speaker 4: need and they bake and donate a lasagna for you.

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Speaker 5: I love that because in my mind, it's just like

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Speaker 5: an army of little nunners cooking up some good lazagna

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Speaker 5: to feed the public one percent.

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Speaker 4: And I just think that's like the cutest. Like, sorry,

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Speaker 4: I know that there are lots of charities who probably

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Speaker 4: do a lot of really important things, name a cut one.

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Speaker 4: That's a great tip, Sammy. This is my second one,

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Speaker 4: says my unhinged hack. And there's a few replies to this,

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Speaker 4: so bear with me. My unhinged hack is refusing to

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Speaker 4: pay for aerosol cans dry shampoo and instead I sprinkle

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Speaker 4: a little pinch of corn flour into my greasy roots

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Speaker 4: and brush it through. Interesting yep. And then someone replied

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Speaker 4: and said, oh my goodness, I do the same, but

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Speaker 4: with baby powder. And then someone else said same here.

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Speaker 4: I've used plain flour before too. I haven't gotten cornflour

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Speaker 4: or almond flour though, not sure how that would go.

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Speaker 4: And then someone else said, I do this too, but

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Speaker 4: I have very dark hair, so I added a little

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Speaker 4: bit of cocoa powder. And then someone said, missus Michayla,

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Speaker 4: She said, I'm actually a hairdresser. Make sure you're telling

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Speaker 4: your hairdresser you're doing this because the effect that has

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Speaker 4: on your scal help can be dangerous if you're applying

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Speaker 4: any form of chemicals at your next hair service. So

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Speaker 4: you know you're going to be putting a whole heba

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Speaker 4: stuff on your head and then going to get your

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Speaker 4: hair dyed. Hop off, Keep up, but maybe just tell

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Speaker 4: your hairdresser that your roots are flours a flower. That's

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Speaker 4: so funny.

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Speaker 5: The girl with the flour and the coker probably smells

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Speaker 5: like a cake a.

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Speaker 4: Lot that I know, And I actually think it's so

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Speaker 4: funny because I'm so sorry, babe. Almond flowers probably not

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Speaker 4: a money win, nor is it going to probably absorb

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Speaker 4: that much, because I feel like almonds are quite oily.

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Speaker 5: Plain flower, though chern flower makes sense.

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Speaker 4: Yeah, plain flower, I feel like we could start creating

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Speaker 4: cake on our heads.

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Speaker 5: I'm going to try it and report back because I'm

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Speaker 5: so intrigued.

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Speaker 4: So cheap too, So I use cornflower a lot to

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Speaker 4: like thicken sauces and stuff at home. I use it

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Speaker 4: in my Currige Sausages recipe, which is on my Instagram

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Speaker 4: for anyone who is interested. But it's like a dollar

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Speaker 4: fifty for like five hundred grams. It's so cheap. There

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Speaker 4: you go anyway, are you ready? And this is like

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Speaker 4: bex broke tip. She says, this is one I saw online.

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Speaker 4: It's a cheeky macis hack. So if you buy a

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Speaker 4: cheeseburger at McDonald's, it's four dollars eighty, but if you

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Speaker 4: order a hamburger, it's only two dollars, and then you

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Speaker 4: can add cheese to the hamburger and it will cost

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Speaker 4: you an extra dollar fifteen for the cheese, So it

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Speaker 4: only is three dollars fifteen and you're saving a dollar

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Speaker 4: sixty five.

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Speaker 5: That's a good money wein yup.

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Speaker 4: And did you know that a small cheeseburger meal is

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Speaker 4: more expensive than a small happy meal?

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Speaker 2: Is it?

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Speaker 4: Same meal? But you get a toy and it's cheap. Crazy?

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Speaker 5: Also side note, McDonald's has wings now with ranch and

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Speaker 5: buffalo saw.

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Speaker 4: Sorry what I've been distracted by the mcgriddle.

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Speaker 5: I don't they're doing the most.

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Speaker 4: Also, guys, if you're thinking wow, this episode is sponsored

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Speaker 4: by McDonald's, Oh I wish it is not.

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Speaker 5: We just have a problem today. Should send it anyl

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Speaker 5: after this sear It's not.

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Speaker 4: Our fault, all right, So I think we did pretty

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Speaker 4: well without Beck. Let's go to a really quick break

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Speaker 4: because on the flip side, we're going to be helping

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Speaker 4: to answer a money dilemma, which is all about things

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Speaker 4: getting complicated after purchasing a property with a sibling and

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Speaker 4: something you s lead into our dms about how to

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Speaker 4: teach your kids about money, which seems like a relatively

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Speaker 4: simple question except for the fact you and your co

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Speaker 4: parent have wildly different money stories. Guys, don't go anywhere.

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Speaker 5: Welcome back, everybody. Let's take a listen to this week's

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Speaker 5: money dilemma.

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Speaker 4: Hi, there, have you got a money dilemma you just

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Speaker 4: can't solve that. She's on the Money team is here

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Speaker 4: to help. Every week we tackle your dilemmas, both big

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Speaker 4: and small, to answer your most burning money, career and

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Speaker 4: life questions. To get involved, simply head to our website

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Speaker 4: and leave us a short voice recording and you might

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Speaker 4: just find yourself on the show. Now, let's take a

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Speaker 4: listen to this week's money dilemma.

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Speaker 2: Hi, She's on the Money. My partner and I are

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Speaker 2: looking to buy another property later in the year to

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Speaker 2: live in together. We both own one property each, however,

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Speaker 2: he owns is on a joint loan with his sister.

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Speaker 2: He wants to rent their property out and we need

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Speaker 2: the rental income to be able to borrow what we

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Speaker 2: want to buy. However, his sister is not in a

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Speaker 2: financial position to be able to buy under the property

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Speaker 2: or to move out. We have no idea how to

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Speaker 2: navigate this situation. Neither of them want to solve the

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Speaker 2: property What would you do?

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Speaker 4: Oh, this is one of those tricky situations that we

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Speaker 4: probably should have had a good conversation about before we

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Speaker 4: purchased a property with a sibling. Yeah, because it can

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Speaker 4: get really complex, like siblings and purchasing property together happens

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Speaker 4: all the time, Like we write so many sibling loans

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Speaker 4: that zellamoney, And I feel like it's a good option,

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Speaker 4: Like I feel like lots of people talk about, you know,

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Speaker 4: increasing your borrowing capacity by buying with a friend, But

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Speaker 4: I would say, and I'm not saying that every time

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Speaker 4: this is perfect, but I would say it's quite a

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Speaker 4: safer option to kind of do it with a sibling

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Speaker 4: you already have, I guess, a deeper connection and a

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Speaker 4: deeper relationship and usually have similar values. Obviously, please still

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Speaker 4: get a binding financial agreement, make sure we're all on

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Speaker 4: the same page. But it does get fickle when your

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Speaker 4: lives are going in different directions. Yeah, Jess, how are

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Speaker 4: you feeling? Before I dive even further into how I

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Speaker 4: feel unpopular opinion?

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Speaker 5: Perhaps, how do I say this that saying, I mean,

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Speaker 5: you don't have to own.

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Speaker 4: Multiple hours and nasty.

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Speaker 5: You know, I understand that you're trying to build your

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Speaker 5: portfolio and that's really exciting and I'm not saying that

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Speaker 5: is a bad thing. However, if your sister is, it

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Speaker 5: sounds like she's not taking advantage. But it sounds like,

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Speaker 5: you know, the options are pay rent to live in

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Speaker 5: the house, or don't live in the house and rent elsewhere.

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Speaker 5: And if that is not also an option, then I

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Speaker 5: would say sell the house. It seems like the logical

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Speaker 5: conclusion means you can either sell her half of that

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Speaker 5: house to her sibling, to the brother.

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Speaker 4: Yeah, the brother.

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Speaker 5: Sorry, it was a very like here to her.

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Speaker 4: And look it made sense to me, that's all. Yah.

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Speaker 5: So she can either sell her share of the house

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Speaker 5: back to the brother if that's something that works, or

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Speaker 5: they can sell the property altogether. You don't have to

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Speaker 5: hold onto it, like I just think that to me,

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Speaker 5: it's quite black and white, like either you pay the

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Speaker 5: rent to live there, like that's the obvious first choice.

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Speaker 5: If that's not an option, I understand, then.

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Speaker 4: You sell it.

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Speaker 5: And to me, it's quite like black and white.

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Speaker 4: That's the vibe I picked up as well, which was

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Speaker 4: that the sisters living in the house at the moment.

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Speaker 5: Oh, I just assumed, yeah, yeah.

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Speaker 4: That's what I picked up as well. But I would

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Speaker 4: say that we need to go back to basics and go, Okay,

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Speaker 4: you purchased a house together. That's fantastic. What's the rental

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Speaker 4: yield meant to be on this property in this area,

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Speaker 4: because it's actually doing a disservice to both people. If

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Speaker 4: your sister's living there. Let's say your sister's living there

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Speaker 4: for free because she owns it and we don't quote

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Speaker 4: want to rent it out. But the entire purpose of

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Speaker 4: purchasing it was it be an investment, right, so we

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Speaker 4: could go, Okay, how much is this house worth. Let's

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Speaker 4: pretend it's worth four hundred dollars a week. I would say,

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Speaker 4: if your sister wants sole occupancy of that property, she

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Speaker 4: has to pay absolutely rent. You don't just get to

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Speaker 4: live in that house. And I'm not saying that she

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Speaker 4: pays the entire amount and can negotiate that, but she

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Speaker 4: probably should be paying rent to live there if you

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Speaker 4: are also paying rent to live in a different premises, Like,

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Speaker 4: the whole.

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Speaker 5: Thing doesn't make sense to me. I was like, why

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Speaker 5: is she? Are you living there together?

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Speaker 4: No? You know what, maybe they are living there together

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Speaker 4: at the moment, and like one of the partners has

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Speaker 4: coupled up and they've saved up another deposit and can

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Speaker 4: move out. But also, why did you move into the

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Speaker 4: property together in the first place. Did you move in

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Speaker 4: because you both wanted a cheaper place to live and

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Speaker 4: you wanted to be paying a mortgage instead of rent,

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Speaker 4: At which point I would say, Okay, well, maybe you

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Speaker 4: move out and your sister gets a housemate and covers

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Speaker 4: your portion of the adoption. What does that look like?

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Speaker 4: So I think there's a lot of things that you

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Speaker 4: could work it out. I know neither of you want

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Speaker 4: to dispose of the asset, but it's sounding a lot

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Speaker 4: like you're not on the same page. And if it's

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Speaker 4: stopping and you're right, Jess, you don't need multiple houses.

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Speaker 4: But if it's stopping you from achieving life goals with

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Speaker 4: a partner, I would be seriously reconsidering whether owning that

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Speaker 4: asset is actually the investment you think it is, or

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Speaker 4: if it's holding you back. Yeah, which unfortunately it could

435
00:20:20,800 --> 00:20:24,439
Speaker 4: be in a number of circumstances. It can get fickle.

436
00:20:24,520 --> 00:20:26,639
Speaker 4: But that's why we need a binding financial agreement at

437
00:20:26,640 --> 00:20:27,480
Speaker 4: the very start.

438
00:20:27,760 --> 00:20:30,600
Speaker 5: Yeah, Hindsight twenty twenty is an app Yeah.

439
00:20:30,640 --> 00:20:34,320
Speaker 4: And also, if you've got this property and you're planning

440
00:20:34,320 --> 00:20:36,919
Speaker 4: on purchasing a new property, you should be talking to

441
00:20:36,920 --> 00:20:39,159
Speaker 4: your mortgage broker about, well, what equity do you have

442
00:20:39,240 --> 00:20:41,520
Speaker 4: in that property, because we can use that. Just because

443
00:20:41,560 --> 00:20:43,440
Speaker 4: your sister's living in the property doesn't mean we can't

444
00:20:43,560 --> 00:20:46,600
Speaker 4: use the equity. In fact, not saying that this is

445
00:20:46,640 --> 00:20:48,359
Speaker 4: the right way to go about it, but your system

446
00:20:48,400 --> 00:20:51,040
Speaker 4: might go. But I really want to live here. You

447
00:20:51,080 --> 00:20:53,680
Speaker 4: can use all of the current equity for your next

448
00:20:53,720 --> 00:20:57,199
Speaker 4: property purchase instead of splitting it fifty to fifty. And

449
00:20:57,280 --> 00:20:59,840
Speaker 4: then maybe you're both in a better off position because

450
00:20:59,880 --> 00:21:01,960
Speaker 4: you were able to get into a house quicker, you

451
00:21:02,000 --> 00:21:06,680
Speaker 4: didn't have to rely on the rental income and wham bam,

452
00:21:06,680 --> 00:21:08,359
Speaker 4: thank you ma'am. She gets to live in the house.

453
00:21:08,440 --> 00:21:11,160
Speaker 4: You get the other house that you want. So talk

454
00:21:11,200 --> 00:21:13,919
Speaker 4: to a good mortgage broker about your options. But I

455
00:21:13,960 --> 00:21:17,320
Speaker 4: don't hate the idjes if disposing of a property if

456
00:21:17,320 --> 00:21:20,400
Speaker 4: it's becoming a little bit too fickle, Yeah, a bit messy.

457
00:21:20,560 --> 00:21:22,400
Speaker 5: So you're messy. Should get into the DM this week.

458
00:21:22,760 --> 00:21:26,440
Speaker 4: Yes, I'm very excited. Okay, so the DM says, Heysi's

459
00:21:26,480 --> 00:21:29,639
Speaker 4: on the money. Would love your advice on something that

460
00:21:29,760 --> 00:21:32,320
Speaker 4: I think is a little bit tricky. My husband and

461
00:21:32,359 --> 00:21:35,359
Speaker 4: I both work extra hours and weekends, so when our

462
00:21:35,480 --> 00:21:37,639
Speaker 4: kids are with us, we can give them a really

463
00:21:37,720 --> 00:21:42,240
Speaker 4: good life, but when they're with their other parent, things

464
00:21:42,280 --> 00:21:46,000
Speaker 4: are very different. It's mostly sentling vouchers, a lot of debt,

465
00:21:46,320 --> 00:21:49,679
Speaker 4: and not great money habits. My husband thinks we should

466
00:21:49,800 --> 00:21:52,680
Speaker 4: just leave it that the kids will see both situations

467
00:21:52,720 --> 00:21:55,080
Speaker 4: and work it out for themselves, but I feel like

468
00:21:55,200 --> 00:21:58,520
Speaker 4: we should be actively teaching them about money without making

469
00:21:58,560 --> 00:22:02,000
Speaker 4: it sound like we're judging the other parent. If your

470
00:22:02,080 --> 00:22:06,320
Speaker 4: kids move between two homes with totally different money situations,

471
00:22:06,640 --> 00:22:10,120
Speaker 4: how do you talk to them without causing drama? Would

472
00:22:10,280 --> 00:22:13,680
Speaker 4: love to know what other people have done interesting.

473
00:22:14,440 --> 00:22:17,840
Speaker 5: I think that it's really great that you're being considerate

474
00:22:18,080 --> 00:22:21,840
Speaker 5: and wanting to be respectful of your co parent, because

475
00:22:22,040 --> 00:22:24,280
Speaker 5: you know, it's very easy when there's a big gap

476
00:22:24,440 --> 00:22:28,960
Speaker 5: between you know, two people's situation financially, you know, sometimes

477
00:22:28,960 --> 00:22:30,560
Speaker 5: people can look down, so I think it's really good

478
00:22:30,560 --> 00:22:32,400
Speaker 5: that you're trying to be conscious of that. I don't

479
00:22:32,400 --> 00:22:34,320
Speaker 5: think teaching your kids about money really needs to have

480
00:22:34,400 --> 00:22:38,320
Speaker 5: anything to do with talking about the other parents' situation.

481
00:22:38,320 --> 00:22:41,000
Speaker 4: Or journeys at AOL, and you can use it for

482
00:22:41,080 --> 00:22:44,720
Speaker 4: ABC and D. Like it doesn't necessarily have to be

483
00:22:45,400 --> 00:22:46,200
Speaker 4: about judgment.

484
00:22:46,480 --> 00:22:49,439
Speaker 5: I think it's a lot about maybe talking to them

485
00:22:49,440 --> 00:22:52,400
Speaker 5: about the behavior that you're modeling. So rather than talking

486
00:22:52,400 --> 00:22:54,480
Speaker 5: about someone else, like, let's talk about what you're doing,

487
00:22:54,800 --> 00:22:57,280
Speaker 5: you know, talk to them. We work weekends because you know,

488
00:22:57,560 --> 00:23:00,360
Speaker 5: when you work extra hours, you earn this thing called time.

489
00:23:00,400 --> 00:23:02,720
Speaker 5: It's extra money. Like, teach them about what the job

490
00:23:02,760 --> 00:23:05,840
Speaker 5: market looks like, teach them about budgeting to you know,

491
00:23:06,320 --> 00:23:08,080
Speaker 5: center link is probably something that I would say, you

492
00:23:08,119 --> 00:23:09,880
Speaker 5: don't need to touch on because then you could kind

493
00:23:09,880 --> 00:23:12,280
Speaker 5: of be getting into murky water with talking down.

494
00:23:12,119 --> 00:23:15,280
Speaker 4: A concept that children necessarily need to understand. They don't

495
00:23:15,280 --> 00:23:18,719
Speaker 4: need to understand government benefits. We need to teach them. Okay,

496
00:23:18,840 --> 00:23:21,120
Speaker 4: you can say for things that are important to you,

497
00:23:21,359 --> 00:23:24,800
Speaker 4: and this is how we purchase groceries, and this is

498
00:23:24,840 --> 00:23:27,639
Speaker 4: what the cost of life is. And you know, my

499
00:23:27,800 --> 00:23:30,879
Speaker 4: husband and I are working extra shifts so on the

500
00:23:30,880 --> 00:23:33,160
Speaker 4: weekends we can go to the pool and get hot

501
00:23:33,200 --> 00:23:37,800
Speaker 4: jibies after like, oh cool, thanks, and like it's probably

502
00:23:37,840 --> 00:23:41,399
Speaker 4: not a bad thing for them to start understanding that

503
00:23:41,480 --> 00:23:44,760
Speaker 4: it's not love that drives those things. Yeah, going to

504
00:23:44,800 --> 00:23:47,520
Speaker 4: a different parents' house and maybe not having as Like

505
00:23:47,560 --> 00:23:50,520
Speaker 4: I don't know. Let's make up a situation, jess Let's

506
00:23:50,520 --> 00:23:52,800
Speaker 4: say with you and your husband, you are taking the

507
00:23:52,880 --> 00:23:55,080
Speaker 4: kids to the zoo or something every single weekend. There's

508
00:23:55,119 --> 00:23:56,360
Speaker 4: a big activity planned.

509
00:23:56,480 --> 00:23:57,080
Speaker 2: Yeah.

510
00:23:57,240 --> 00:23:59,920
Speaker 4: I would hate for kids to think, oh, my other

511
00:24:00,080 --> 00:24:02,600
Speaker 4: parent doesn't love me as much because they never take

512
00:24:02,640 --> 00:24:05,600
Speaker 4: me on these big experiences, like we always stay home.

513
00:24:06,160 --> 00:24:09,399
Speaker 4: But for them to understand it's actually about resourcing, not

514
00:24:09,480 --> 00:24:12,280
Speaker 4: about love, not about anything like that. Sorry, is that

515
00:24:12,359 --> 00:24:15,439
Speaker 4: not really constructive for everybody involved? Absolutely, Like we're not

516
00:24:15,520 --> 00:24:18,600
Speaker 4: putting an unrealistic expectation on the other parent to spend

517
00:24:18,600 --> 00:24:21,160
Speaker 4: a heap of money that they don't have to keep up.

518
00:24:21,400 --> 00:24:23,760
Speaker 4: So I don't think it's the worst. I do think

519
00:24:23,800 --> 00:24:27,240
Speaker 4: that there's age appropriate ways to talk about money, and

520
00:24:27,280 --> 00:24:29,840
Speaker 4: it depends on how old your kids are, and unfortunately

521
00:24:29,880 --> 00:24:33,119
Speaker 4: I don't know at this point. But yeah, for me,

522
00:24:33,280 --> 00:24:36,760
Speaker 4: it's more about what does that look like inside your house?

523
00:24:36,920 --> 00:24:40,360
Speaker 4: Like if we step back and go, all right, baby Jessica,

524
00:24:40,520 --> 00:24:42,399
Speaker 4: we want to teach her about money? What do we

525
00:24:42,440 --> 00:24:44,879
Speaker 4: want her to know? Instead of like, what should we

526
00:24:44,920 --> 00:24:47,320
Speaker 4: be teaching? What do you want jess to think about money?

527
00:24:47,320 --> 00:24:49,400
Speaker 4: When she's an adult. Yeah, what do you want Jess

528
00:24:49,440 --> 00:24:53,240
Speaker 4: to think about, you know, jobs and working and work ethic.

529
00:24:53,320 --> 00:24:58,040
Speaker 4: What does that look like as opposed to oh, centling?

530
00:24:58,400 --> 00:24:59,600
Speaker 4: Does that make sense? Yeah?

531
00:24:59,600 --> 00:25:01,880
Speaker 5: I think them pocket money is probably a really good

532
00:25:01,920 --> 00:25:04,800
Speaker 5: practical way to teach them because then they're kind of

533
00:25:04,840 --> 00:25:07,920
Speaker 5: taking on their own experience. They might have pocket money

534
00:25:07,920 --> 00:25:09,840
Speaker 5: that they can take with them, which can help with

535
00:25:10,040 --> 00:25:11,399
Speaker 5: you know, if there's not a lot of money at

536
00:25:11,440 --> 00:25:13,760
Speaker 5: the other parents' house, like that might help to alleviate

537
00:25:13,800 --> 00:25:16,040
Speaker 5: a little bit of a burden if you're teaching them, hey,

538
00:25:16,160 --> 00:25:18,119
Speaker 5: like we can save for money if you want to

539
00:25:18,160 --> 00:25:20,040
Speaker 5: get a stack from the canteen, like you know, you

540
00:25:20,080 --> 00:25:21,639
Speaker 5: need to save, or you need to budget or whatever,

541
00:25:22,119 --> 00:25:24,000
Speaker 5: And it might enable them to do some of those

542
00:25:24,040 --> 00:25:25,960
Speaker 5: things when they're at the other house. And I think

543
00:25:26,000 --> 00:25:31,640
Speaker 5: you're totally right, like not equating a financial position to love,

544
00:25:31,840 --> 00:25:35,280
Speaker 5: because just because that parent's on center Link or making

545
00:25:35,400 --> 00:25:37,600
Speaker 5: use of services or doing whatever, does not mean that

546
00:25:37,600 --> 00:25:41,680
Speaker 5: they're less responsible or they love their kids any less.

547
00:25:41,760 --> 00:25:44,240
Speaker 5: Like they're probably just doing the best that they can

548
00:25:44,680 --> 00:25:47,919
Speaker 5: with what they have. And so I think again, like

549
00:25:48,040 --> 00:25:51,120
Speaker 5: teaching your kids something that's centric to them rather than

550
00:25:51,160 --> 00:25:52,439
Speaker 5: centric to another person.

551
00:25:52,520 --> 00:25:54,399
Speaker 4: Yeah, they don't need to know about the household budget.

552
00:25:54,440 --> 00:25:57,000
Speaker 4: You don't need to go well, your other parent earns

553
00:25:57,080 --> 00:26:00,359
Speaker 4: this amount percy, But we own triple that things.

554
00:26:00,440 --> 00:26:03,080
Speaker 5: To help parent is really hard, and I think that

555
00:26:03,160 --> 00:26:06,120
Speaker 5: it's awesome that you're being so considerate of the position

556
00:26:06,160 --> 00:26:08,280
Speaker 5: that they're in. You could also just give them heads

557
00:26:08,320 --> 00:26:10,240
Speaker 5: up and say, hey, you know, the kids are starting

558
00:26:10,240 --> 00:26:12,040
Speaker 5: to learn this sort of stuff at school. We're thinking

559
00:26:12,080 --> 00:26:14,280
Speaker 5: about doing pocket money, or we're thinking about let us

560
00:26:14,280 --> 00:26:15,879
Speaker 5: know if there's anything we can do to support that.

561
00:26:15,960 --> 00:26:19,080
Speaker 5: On your side, it's all about open communication with your

562
00:26:19,080 --> 00:26:19,560
Speaker 5: co parent.

563
00:26:19,640 --> 00:26:22,000
Speaker 4: Right, Oh my god, did it just come back to communication?

564
00:26:22,320 --> 00:26:22,639
Speaker 1: Kaida?

565
00:26:22,720 --> 00:26:25,000
Speaker 5: It's crazy, but wheneveryone else says speaking.

566
00:26:25,280 --> 00:26:28,120
Speaker 4: My first question we asked the community was how would

567
00:26:28,119 --> 00:26:31,479
Speaker 4: your parent in this situation? Only eleven percent of you

568
00:26:31,560 --> 00:26:34,240
Speaker 4: said that you'd be directed and explain the difference, and

569
00:26:34,440 --> 00:26:37,159
Speaker 4: eighty nine percent of you agree with miss jessic Ricci

570
00:26:37,520 --> 00:26:40,200
Speaker 4: and you would focus on modeling just good money habits.

571
00:26:40,480 --> 00:26:43,360
Speaker 4: The next question we asked was what would you do

572
00:26:43,520 --> 00:26:46,199
Speaker 4: if you didn't agree with your partner on how to

573
00:26:46,320 --> 00:26:46,880
Speaker 4: handle it.

574
00:26:47,760 --> 00:26:49,680
Speaker 5: That's when it gets a little trickier, really isn't it.

575
00:26:49,920 --> 00:26:51,800
Speaker 5: We're assuming that hopefully you guys will be on a

576
00:26:51,840 --> 00:26:52,560
Speaker 5: similar page.

577
00:26:52,800 --> 00:26:55,760
Speaker 4: Yeah, So fifty five percent of you said I'd take

578
00:26:55,760 --> 00:26:58,760
Speaker 4: the kid's lead when they asked, I, like, they're not

579
00:26:58,800 --> 00:27:01,600
Speaker 4: going to be jumping in. Thirty three percent said I'd

580
00:27:01,680 --> 00:27:04,000
Speaker 4: hold off until we were on the same page, and

581
00:27:04,040 --> 00:27:06,720
Speaker 4: twelve percent said I'd still be talking to the kids

582
00:27:06,760 --> 00:27:09,919
Speaker 4: about it, which I don't think is the worst thing

583
00:27:09,960 --> 00:27:11,640
Speaker 4: in the world, Like at the end of the day,

584
00:27:11,880 --> 00:27:15,800
Speaker 4: Like it's a tough conversation to have, but money is

585
00:27:15,800 --> 00:27:17,639
Speaker 4: a resource that you're not going to escape. It's like

586
00:27:17,720 --> 00:27:20,480
Speaker 4: the one thing that is central to everybody. We all

587
00:27:20,480 --> 00:27:24,679
Speaker 4: have different like money thoughts and values and beliefs, but like, sorry,

588
00:27:24,880 --> 00:27:27,679
Speaker 4: they're all around money. Like, you can't exist in this

589
00:27:27,840 --> 00:27:32,360
Speaker 4: society unfortunately without having to interact with cash in some way,

590
00:27:32,359 --> 00:27:32,920
Speaker 4: shape or form.

591
00:27:33,000 --> 00:27:35,000
Speaker 5: Yeah, And it's about setting the kids up for success too.

592
00:27:35,119 --> 00:27:38,879
Speaker 5: It's giving them the financial literacy to hopefully ensure that

593
00:27:38,920 --> 00:27:41,119
Speaker 5: they can look after themselves when the time does come

594
00:27:41,160 --> 00:27:42,600
Speaker 5: for them to be earning their own money.

595
00:27:42,800 --> 00:27:45,560
Speaker 4: Exactly. So, we asked the community, guys, what is your

596
00:27:45,560 --> 00:27:48,280
Speaker 4: two cents? First person said, as a kid who grew

597
00:27:48,320 --> 00:27:51,080
Speaker 4: up between two homes like this shit, I wish this

598
00:27:51,240 --> 00:27:56,120
Speaker 4: was talked about. Yeah, but like reflection so helpful for us.

599
00:27:56,960 --> 00:28:00,840
Speaker 4: Another person said kids are ridiculously observant. They teach them

600
00:28:00,880 --> 00:28:03,480
Speaker 4: by discussing money in front of them.

601
00:28:03,480 --> 00:28:04,240
Speaker 5: That's a great point.

602
00:28:04,400 --> 00:28:07,159
Speaker 4: Another person they had a two parter, said, it's not

603
00:28:07,280 --> 00:28:10,560
Speaker 4: your place to speak about the other household's finances. You

604
00:28:10,680 --> 00:28:13,040
Speaker 4: never know another person's reality either.

605
00:28:13,560 --> 00:28:15,719
Speaker 5: I do agree with that. I think keeping it centric

606
00:28:15,800 --> 00:28:20,360
Speaker 5: to your world to them, yeah, they don't it can

607
00:28:20,400 --> 00:28:22,600
Speaker 5: do Yeah, I mean you can do that whether you're

608
00:28:22,600 --> 00:28:25,840
Speaker 5: on scantlink or not. Lately, I think that it doesn't

609
00:28:25,880 --> 00:28:28,520
Speaker 5: matter how much money you have. Teaching your kids about

610
00:28:28,560 --> 00:28:31,880
Speaker 5: money is not about giving them cash. No, like they

611
00:28:31,880 --> 00:28:33,280
Speaker 5: could help with the grocery budget.

612
00:28:34,000 --> 00:28:37,399
Speaker 4: It could be really stingy this week because life is tough,

613
00:28:37,480 --> 00:28:40,600
Speaker 4: but like, oh, what could we do with ten bucks?

614
00:28:40,640 --> 00:28:43,320
Speaker 4: How can we make that kids love a game like

615
00:28:43,440 --> 00:28:46,640
Speaker 4: something that. I mean, I only have a what's eighteen

616
00:28:46,680 --> 00:28:49,560
Speaker 4: month old? But like, kids don't want to be distracted,

617
00:28:49,600 --> 00:28:52,120
Speaker 4: They want to be included, like, they want to be

618
00:28:52,240 --> 00:28:55,719
Speaker 4: part of the process. But it's your job to work out. Okay,

619
00:28:55,760 --> 00:28:58,520
Speaker 4: how far into this process should we be getting? What

620
00:28:58,600 --> 00:29:02,440
Speaker 4: is age appropriate. Next person said, there's no shame with

621
00:29:02,560 --> 00:29:05,560
Speaker 4: needing support from the government. It's there for a reason.

622
00:29:05,800 --> 00:29:09,200
Speaker 4: Absolutely couldn't agree more. Next person said, if the husband

623
00:29:09,240 --> 00:29:12,040
Speaker 4: is the bio parent, she needs to respect his wishes

624
00:29:12,160 --> 00:29:16,760
Speaker 4: even if she disagrees, I would disagree with that. Like,

625
00:29:16,840 --> 00:29:19,000
Speaker 4: if your husband doesn't want to talk to kids about money,

626
00:29:19,440 --> 00:29:23,840
Speaker 4: really sorry again, it is literally the biggest resource of

627
00:29:23,920 --> 00:29:26,960
Speaker 4: our economy. Yeah, you stand it.

628
00:29:27,080 --> 00:29:28,800
Speaker 5: Yeah, Like you guys, if that was the case, you

629
00:29:28,800 --> 00:29:32,160
Speaker 5: would need to have a conversation around like, well, our

630
00:29:32,640 --> 00:29:35,040
Speaker 5: values aligned, are our plans for the kids aligned?

631
00:29:35,280 --> 00:29:38,400
Speaker 4: Yeah? Like, and I'm not saying like, Noah's a full sentence,

632
00:29:38,560 --> 00:29:42,080
Speaker 4: but I'm not saying that that doesn't he doesn't have

633
00:29:42,120 --> 00:29:43,640
Speaker 4: to talk to the kids about money and be like, Okay,

634
00:29:43,680 --> 00:29:45,160
Speaker 4: well I'm going to be teaching them in this way.

635
00:29:45,200 --> 00:29:47,240
Speaker 4: Is there a way that you'd prefer me to teach them? Like,

636
00:29:47,560 --> 00:29:49,240
Speaker 4: is there a topic you don't want me to touch

637
00:29:49,280 --> 00:29:49,760
Speaker 4: on yet?

638
00:29:50,040 --> 00:29:52,320
Speaker 5: Like yeah, I kind of interpret it to as him

639
00:29:52,400 --> 00:29:55,440
Speaker 5: being sensitive, right, like not saying oh, like I don't

640
00:29:55,480 --> 00:29:57,080
Speaker 5: think we want to you know, we don't want to

641
00:29:57,120 --> 00:29:59,360
Speaker 5: do something that might maybe other parents seem othered or

642
00:29:59,400 --> 00:30:01,720
Speaker 5: anything like that. A great opposed to like saying I

643
00:30:01,720 --> 00:30:02,680
Speaker 5: don't want to talk about it.

644
00:30:02,840 --> 00:30:05,600
Speaker 4: Agreed. And my last one I think is a good one.

645
00:30:06,120 --> 00:30:09,040
Speaker 4: They've said it really depends on how old your kids are.

646
00:30:09,280 --> 00:30:13,440
Speaker 4: Toddlers don't need to know explicitly, but teens definitely do.

647
00:30:14,280 --> 00:30:15,560
Speaker 5: I really agree with that too.

648
00:30:15,760 --> 00:30:19,120
Speaker 4: Yeah. I think that as a teenager, sorry, it would

649
00:30:19,160 --> 00:30:21,560
Speaker 4: have really benefited me to be a little bit more

650
00:30:21,600 --> 00:30:23,960
Speaker 4: savvy when it came to getting my first job. What

651
00:30:24,040 --> 00:30:27,959
Speaker 4: is supernuation? How does the tax system work? Like, not

652
00:30:28,040 --> 00:30:30,080
Speaker 4: just pocket money, just how it works.

653
00:30:30,320 --> 00:30:32,480
Speaker 5: Yeah, And I will say that the younger you start them,

654
00:30:32,520 --> 00:30:36,080
Speaker 5: the more normalized that becomes too, Like there's something to

655
00:30:36,120 --> 00:30:37,479
Speaker 5: be said for like, yeah, you don't need to tell

656
00:30:37,480 --> 00:30:39,520
Speaker 5: you two year old, oh my god, money da da da.

657
00:30:39,560 --> 00:30:42,840
Speaker 5: But like introducing even really simple concepts when they're younger,

658
00:30:42,920 --> 00:30:45,320
Speaker 5: I think means that they're it does open up that

659
00:30:45,360 --> 00:30:49,160
Speaker 5: line of communication, make them comfortable with it, and hopefully

660
00:30:49,320 --> 00:30:51,480
Speaker 5: set them up for success long term. Yeah.

661
00:30:51,760 --> 00:30:54,720
Speaker 4: All right, well, I feel like that's probably a very

662
00:30:54,760 --> 00:30:57,320
Speaker 4: good place to leave it. Good chat, you and I

663
00:30:57,480 --> 00:31:00,120
Speaker 4: hanging out. It's going to be this way guys for

664
00:31:00,160 --> 00:31:02,520
Speaker 4: a little while. Because Beck's on. We call it like

665
00:31:02,560 --> 00:31:03,880
Speaker 4: a se convent. I like that.

666
00:31:04,000 --> 00:31:05,880
Speaker 5: It sounds very fancy. She's on the continent.

667
00:31:06,040 --> 00:31:08,320
Speaker 4: She's taken up a four week role at the ABC,

668
00:31:08,440 --> 00:31:10,360
Speaker 4: and we are so ridiculously proud of her, But it

669
00:31:10,400 --> 00:31:11,640
Speaker 4: means she's not on the show.

670
00:31:11,760 --> 00:31:12,800
Speaker 5: If we miss.

671
00:31:13,360 --> 00:31:15,280
Speaker 4: Should be back, she'll be back all right, guys, have

672
00:31:15,320 --> 00:31:16,600
Speaker 4: a good week and we'll see you right early on

673
00:31:16,640 --> 00:31:25,680
Speaker 4: Monday for a money Darry Bye bye did buy shared

674
00:31:25,720 --> 00:31:28,120
Speaker 4: on She's on the Money is general in nature and

675
00:31:28,160 --> 00:31:31,800
Speaker 4: does not consider your individual circumstances. She's on the Money

676
00:31:31,920 --> 00:31:35,480
Speaker 4: exists purely for educational purposes and should not be relied

677
00:31:35,520 --> 00:31:38,640
Speaker 4: upon to make an investment or financial decision. If you

678
00:31:38,760 --> 00:31:41,480
Speaker 4: do choose to buy a financial product, read the PDS

679
00:31:41,520 --> 00:31:45,560
Speaker 4: TMD and obtain appropriate financial advice tailored towards your needs.

680
00:31:45,920 --> 00:31:49,840
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

681
00:31:49,880 --> 00:31:53,760
Speaker 4: of Money Shoper Pty Ltd ABN three two one IS

682
00:31:53,800 --> 00:31:57,640
Speaker 4: six four nine two seven seven zero eight AFSL four

683
00:31:57,800 --> 00:32:04,000
Speaker 4: five one two eight ninet