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

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Speaker 1: Order Kerney Whoalbury and a waddery woman. And before we

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

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

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

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

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

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 2: Hello, and welcome to She's on the Money cast Millennials

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Speaker 2: who want financial freedom. Today, My friends, it's Friday, which

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Speaker 2: means it's time to get Little Beck and Little Jess

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Speaker 2: together and we're going to celebrate you how incredible She's

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Speaker 2: on the Money community Today, Miss Jess Grici is going

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Speaker 2: to be sharing her favorite money wins from the community.

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Speaker 2: Becsied has a few very good broke tips to share.

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Speaker 2: We're going to be helping to answer a juicy money dilemma,

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Speaker 2: which this week is all about fears of a crashing

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Speaker 2: stock market, and we're going to unpack something that you

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Speaker 2: slid into our DMS about which this week we're talking

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Speaker 2: about what to do when your job and your ethics clash. So, Beck,

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Speaker 2: you've decided to work remote this week? Where are you?

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Speaker 2: What are you doing and why are you doing it?

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Speaker 4: Well, great questions all round. I am celebrating, as you

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Speaker 4: as know, my birthday month, which means that I've can't.

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Speaker 2: Seen she's on tour. It's the birthday tour.

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Speaker 4: Tour exactly, the national tour exactly exactly. So I've come

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Speaker 4: to see my family because they thought they could get

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Speaker 4: out of cake presence because I live in Melbourne. Now

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Speaker 4: they don't have to do it wrong.

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Speaker 2: No, they do wrong.

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Speaker 4: I'm here, I'm here and you better be bringing some

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Speaker 4: good stuff to the table. So anyway, everyone, are we

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Speaker 4: expecting here? What are the expectations? Is that homemade cake?

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Speaker 4: Is it a cheesecake shop cake? Do we just want

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Speaker 4: a Col's cake? Do we just want the attention?

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Speaker 1: Like?

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Speaker 4: What is it?

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Speaker 5: So?

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Speaker 4: I'm honestly a man of simple pleasures. I don't ask

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Speaker 4: for that much, but I do want an original Peter's

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Speaker 4: ice cream cake.

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Speaker 2: Oh my god, that's just that's just a shave.

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Speaker 6: Yes, the fluffy white icing on ice cream on top

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Speaker 6: is so good.

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Speaker 4: Oh my goodness, I didn't know you liked that. I

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Speaker 4: should have got that for you.

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Speaker 2: When you're back for birthday month, we should have one.

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Speaker 6: Ice cream cake. Everyone can buy one and eat it

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Speaker 6: with as live next Friday.

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Speaker 2: Oh okay, I'm in, I'm in. I like that. You're

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Speaker 2: a man of simple pleasures. My dad is also a

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Speaker 2: man of simple pleasures. Whenever it's his birthday. Do you

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Speaker 2: know what cake he asks for?

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Speaker 6: Is it a Wooli's mud cake?

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Speaker 2: No, it's better. It's a chocolate ripple cake. Every true.

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Speaker 2: Like he's just like the cream and the chocolate reppele biscuits. Like,

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Speaker 2: don't put anything on it though, Like it is a

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Speaker 2: disgrace to him if you put like a peppermint slice

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Speaker 2: or something on top. Absolutely not.

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Speaker 6: He's a man of simple play.

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Speaker 5: Yeah.

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Speaker 2: Like chocolate ripple cake. That's almost cheaper than it Coles

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Speaker 2: mud Cake. I reckon it. Colls mud Cakes? What like

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Speaker 2: five bucks?

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Speaker 6: Now?

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Speaker 1: No?

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Speaker 2: Absolutely not. Yeah, the ripple cake definitely cheaper money. There

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Speaker 2: you go.

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Speaker 4: It's actually broke tip because it's extremely cheap. But yes,

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Speaker 4: of course, true inflation, It's true the three Eyes.

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Speaker 2: I love this so dex on tour. Miss Jessicataci, you're

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Speaker 2: here but not on tour. Thank you for that logistical nightmare.

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Speaker 2: If we're honest, if more than one of us has

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Speaker 2: left the studio. So, how's your week been.

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Speaker 6: It's been good. I haven't done anything super exciting. I

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Speaker 6: don't think this week, just sitting up home. I bought

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Speaker 6: my first Halloween.

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Speaker 2: It started early. Wow, it's August.

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Speaker 6: Yeah, I know, but they're releasing all the cute stuff already,

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Speaker 6: and so it's like one of these things you have

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Speaker 6: to get it or itself. I like, I'm a you

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Speaker 6: don't realize this week? Actually I am a victim. Oh

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Speaker 6: you are, because all the takes is one person.

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Speaker 2: Have you only just realized this?

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Speaker 6: Yeah?

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Speaker 2: Kind of Oh wow.

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Speaker 6: Do you know what it was that like tipped me over?

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Speaker 5: Is?

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Speaker 6: I was watching you were watching tiktoks?

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Speaker 2: So would you like to reframe it too? I was

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Speaker 2: reading an article because that's what I do when i've

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Speaker 2: I feel like I've exhausted my quota of I saw

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Speaker 2: on tiktoks that week.

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Speaker 6: I was watching a TikTok and someone was they were

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Speaker 6: doing a sponsored post, like it was clearly disclosed that

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Speaker 6: that should be sponsored post for like alkaline infused water.

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Speaker 6: And for a moment, I was like I should buy that.

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Speaker 6: That'll make me healthy, like water is.

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Speaker 2: Free from the tap.

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Speaker 6: I originally it's like they just sucked me, convinced me.

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Speaker 6: And I it was in that moment that I was like,

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Speaker 6: oh my god, just like snap out of it.

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Speaker 2: I feel like that is that is a lot yess.

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Speaker 2: The water nearly got her. I mean I used to

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Speaker 2: be a victim of the Fiji water. Like back when

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Speaker 2: I was in school, all the cool kids had Fiji

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Speaker 2: water and I desperately wanted that. It makes no sense,

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Speaker 2: it's water. And then also have you seen the new

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Speaker 2: marketing And I don't know if like this is a

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Speaker 2: bad thing to say on it, but there's a company

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Speaker 2: promoting hydrogen water. Oh maybe that's what it was. Hydrogen water. Yeah,

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Speaker 2: but like it's called H two O because there's already

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Speaker 2: two hydrogens per oxygen molecule in water, Like how can

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Speaker 2: you hydrogen the water more? And this is the thing,

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Speaker 2: is the comprehendible.

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Speaker 4: Also why what's the benefit?

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Speaker 2: I don't know, but like.

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Speaker 4: There's already hydrogen more actually kind of curious.

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Speaker 2: Feel like, get some hydrogen in all water back? Yeah,

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Speaker 2: I don't get the hydrogen water. If someone wants to

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Speaker 2: slide into my DMS and educate me, I will happily

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Speaker 2: correct myself on air next week. But yeah, till then,

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Speaker 2: I am much a confused though.

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Speaker 6: Yeah, and I have learned that I need to put

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Speaker 6: twenty four hours between me and my spending and maybe

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Speaker 6: sometime to out myself on air to realize how embarrassingly

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Speaker 6: big of a sucker.

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Speaker 4: I love that.

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Speaker 2: I love that. So next week on She's on the Money,

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Speaker 2: we'll be doing Brogue tips, money wins, and also health

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Speaker 2: tips from Jess. Yes, let's get the She's on the

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Speaker 2: Money community wins out of Jess though, because those are

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Speaker 2: definitely worth it, unlike hydrogen water. So what have you

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Speaker 2: got to bring to the table this week?

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Speaker 6: I've got some goodies this week. Firstly, a simple one

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Speaker 6: but one we should all be doing.

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Speaker 2: From Christina got water for free out of the tap.

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Speaker 3: I thought no.

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Speaker 6: Christina said she googled the brand she was buying from

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Speaker 6: a discount code. She found a twenty percent off code.

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Speaker 6: Within about three seconds, She said, she saved herself fifteen bucks,

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Speaker 6: and you'd be crazy not to do it.

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Speaker 2: Always do that, and I'm always giving free credit to

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Speaker 2: influencers who have posted their totally their discount codes online.

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Speaker 6: Yeah, I have no issue with you getting your little kick.

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Speaker 2: You can get your kick back. I don't know who

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Speaker 2: you are, Molly one o one, but I've just used

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Speaker 2: your code, got a discount and we're all happy here.

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Speaker 6: Yeah. Just trying all the generic basic names plus ten

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Speaker 6: plus twenty yes, sorry ten Black Friday ten.

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Speaker 2: Yeah, I have tried just ten, just twenty five. Neither

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Speaker 2: of those of works. Welcome back is a good one.

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Speaker 6: Welcome back is the right one. Yeah, so very good

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Speaker 6: reminder for Christina. Next, I've got money in from Rebecca,

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Speaker 6: who said money win. I entered my dog in a

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Speaker 6: competition and she won overall and we got heap of

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Speaker 6: prizes that were worth more than the entry.

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Speaker 2: Feel what competition, I don't know.

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Speaker 6: She said. Dog sports are apparently a hobby, so I'm

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Speaker 6: assuming maybe the dog was doing something athletic. But Rebecca

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Speaker 6: did give us a picture of said dog. Can I

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Speaker 6: weady with the prize? Go look at all of his ribbons?

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Speaker 4: Wait a minut all that I can see. That's very cute.

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Speaker 2: He's got like, not only has he got like a

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Speaker 2: prize pack, he's like sitting in the middle of his

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Speaker 2: prize pack. He's got an orange monkey toy in a

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Speaker 2: blue too can. He's got like a slow feeder mat

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Speaker 2: and all of these like little doggie like ribbons.

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Speaker 6: He's absolutely slaying. Well stand reback about se one. If

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Speaker 6: you want to see the picture, check out the thread.

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Speaker 6: And we've had a few people dms on Instagram this

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Speaker 6: week saying where do I send my money Wins VD

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Speaker 6: puts a thread in the Facebook group every week, so

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Speaker 6: if you're not in the Facebook group, go join.

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Speaker 2: And also there's actually an unwritten rule in that money

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Speaker 2: Wins thread, and that is if you're going to mention

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Speaker 2: your pet, you need to be paying pet tax, which

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Speaker 2: is actually the tender is actually a photo of your

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Speaker 2: pet that needs to accompany that post exactly. Yeah, so

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Speaker 2: don't post about your pets unless you're actually going to

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Speaker 2: show us your pets.

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Speaker 6: Yes, Recca's paid a tax up for the year. Well done. Next,

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Speaker 6: I've got a money win from Alone who said life win.

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Speaker 6: I recently invested in the Kmart glass containers and they're

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Speaker 6: really really good. They keep everything super fresh, and she

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Speaker 6: now has five that she keeps on rotation and her

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Speaker 6: produicy is lasting a lot longer than it did when

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Speaker 6: she was using plastic containers.

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Speaker 2: I feel like good research into how to get your

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Speaker 2: produce to last longer is well worth.

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Speaker 6: It completely, and the came out ones are really affordable.

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Speaker 6: I have a heap that I bought years ago from

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Speaker 6: it and they're still going strong, but they came up.

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Speaker 6: One's much cheaper, So.

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Speaker 2: Money win, very big money win.

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Speaker 6: From Lauren. Next, I've got one from Julia who said

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Speaker 6: she paid off her iPhone and she's going to keep

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Speaker 6: it so now she's paying forty dollars less per month

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Speaker 6: phone bill.

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Speaker 2: Money win. That's a lot of money that allowed up

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Speaker 2: over time too completely. My question is, though, what are

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Speaker 2: you doing with that forty dollars? You're just letting it

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Speaker 2: go into your account or investing it or are we

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Speaker 2: saving it? Like do something automated with it.

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Speaker 6: Yeah, that's a good idea, all right. Next, top money

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Speaker 6: in from Leah who entered a bake sale contest. There's

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Speaker 6: a bit of a thing this week, lots of people

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Speaker 6: entering things which I love. And she paid twenty six

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Speaker 6: dollars in ingredients and to her great surprise, she won

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Speaker 6: got a two hundred and fifty dollars restaurant voutcha, which

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Speaker 6: oh more than cover teme.

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Speaker 2: Can we have a Shes on the money bakesale that

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Speaker 2: would be very wholesome. I feel like we should. Beck

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Speaker 2: will organize that you work ad a you're in. We'll

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Speaker 2: do it on like a day that we come in

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Speaker 2: to record the podcast. Can we actually we will sell

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Speaker 2: our goods.

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Speaker 6: Yeah, go desk to desk.

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Speaker 2: Yep. We'll put our little stool out front of the

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Speaker 2: podcast studio and people can come buy our muffins.

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Speaker 5: One.

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Speaker 2: There'll be a competition to see who sold out first,

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Speaker 2: and then to we can donate the money into charity.

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Speaker 6: It's giving lemonade stand.

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Speaker 2: It's giving it adult lemonade stand.

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Speaker 6: Very into it. Lastly, this week, speaking of lemonade, I've

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Speaker 6: got money win from and who said she arrived at

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Speaker 6: Buddings to buy some fruit trees yesterday and they were

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Speaker 6: marking them down to.

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Speaker 2: Half price, so she will buy Can I have one?

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Speaker 6: I know? She wore apple, peach, nectarine, cherry, two plumps,

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Speaker 6: apricot and almond trees for only twenty five to thirty

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Speaker 6: dollars A true.

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Speaker 2: Okay, So where are you putting all of these trees? Miss?

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Speaker 2: I have space?

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Speaker 6: Yeah, that's a lot of trees.

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Speaker 2: That's a lot of trees. Also almond tree, Yeah, what

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Speaker 2: does that look like?

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Speaker 6: I know that almonds come from somewhere, it just never

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Speaker 6: occurred to me that it was a tree.

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Speaker 4: No. Same. I only just learned that cashews come the

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Speaker 4: very unnecessary pair looking thing. Have you guys seen a

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Speaker 4: cashew dress?

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Speaker 2: I know, so, Jessica is probably gonna be mind blown here.

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Speaker 2: Peanuts come from the ground. They dug up like potatoes,

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Speaker 2: right like in what Oh they come in the nuts.

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Speaker 2: They come in those sorts.

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Speaker 6: See, I thought peanuts were on trees dug up.

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Speaker 2: Also another fun fact, dates, which when I was pregnant

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Speaker 2: you saw me consume a lot of turns out they

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Speaker 2: did nothing emergency ces area and one out of ten

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Speaker 2: cannot recommend they grow on palm trees.

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Speaker 6: Aren't they just like dried plums?

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Speaker 2: No, that's a brune trees where dates come from?

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Speaker 6: Ess Wow, I need to go do like an educational

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Speaker 6: session in the Woolies project section because I got no idea.

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Speaker 2: Look I'm here. I also recently learned on TikTok again,

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Speaker 2: so this has become she's on TikTok not she's on

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Speaker 2: the money. You can eat un almonds and it's like

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Speaker 2: a delicacy and a lot of cultures and I really

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Speaker 2: want to try them. So if anyone knows where I

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Speaker 2: can purchase those, please slide into my dams and let

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Speaker 2: me know, because apparently it's coming up to uncooked almond season.

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Speaker 6: She got Bunnings by half Trees.

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Speaker 4: By the Trees, a very new straight from the sauce.

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Speaker 2: I love this all right, Jess. Were they all your

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Speaker 2: money wins this week?

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Speaker 6: That's all I've got?

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Speaker 1: Loved them.

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Speaker 2: We've learned a lot. Every day is a school day.

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Speaker 2: It turns out, Beck, what have you got when it

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Speaker 2: comes to broke tips?

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Speaker 4: Okay, so no entering competitions on my end, but I

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Speaker 4: am really impressed. It kind of feels like we're living

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Speaker 4: in like the olden days, old timey days. There's really cute,

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Speaker 4: really wholesome cottage corps. My first broke tip comes from Wibby,

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Speaker 4: who says that she was walking around the QVB the

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Speaker 4: other day and she had a bit of time to

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Speaker 4: kill and often they have those little pop up hair

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Speaker 4: tall styling stalls. So she killed fifteen minutes, got her

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Speaker 4: hair curled, and she knows it's dice and does this

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Speaker 4: too occasionally with their air rap via know you love

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Speaker 4: an air rap for no air wraps and no cost

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Speaker 4: Like that is wild. So she walked away feeling guilt free.

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Speaker 2: That's a money win, not just a broke tip. You've

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Speaker 2: doubled down here totally.

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Speaker 4: It's in everything tip. Like that's really smart. But I

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Speaker 4: always says before too. But like if she pair that

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Speaker 4: with a Maya visit and just got a bunch of

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Speaker 4: perfume samples.

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Speaker 2: Oh, she'd be looking good and smelling fresh.

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Speaker 1: That's shit.

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Speaker 4: That's really what we need, and it's free for you love.

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Speaker 2: We love that genius. Good one from you, Lyuby.

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Speaker 4: Thank you Libby. The next one comes from two. This

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Speaker 4: one is about lemons. Lemons, lemons, lemons. So there's so

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Speaker 4: many things you can do with lemons, and I'm sure

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Speaker 4: that a lot of these people have tried already, but

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Speaker 4: I'm just gonna read them out in case you have it.

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Speaker 4: So juice the lemon, freeze them in ice trees so

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Speaker 4: you can use them at a later date. Extremely healthy

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Speaker 4: and full of vitamins amazing. Dry the lemon peels to

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Speaker 4: make homemade pot pury. I don't actually know what that is,

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Speaker 4: pope pura pop pure pop pop pourri po pourri hopurrie.

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Speaker 2: Yes, I like that. We got there finally together.

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Speaker 6: It's like the nice smelling stuff that you have in

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Speaker 6: a bowl or something in it.

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Speaker 4: Yeah, and toilet Yeah, I mean I've literally never seen

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Speaker 4: it before. I've never felt a need for it, but

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Speaker 4: I'm gonna try it anyway. May as well. I love this.

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Speaker 4: I love it's a zesty smell and keeps the bugs away.

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Speaker 4: That's incredible. Put a few slices of lemon in your

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Speaker 4: kettle and boil them to get rid of lime scale.

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Speaker 4: You can make homemade Yeah, that's smart. That's a good one,

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Speaker 4: really really good stuff. You can make homemade antiseptic spray

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Speaker 4: with lemon juice, vigar bike up so I drop it,

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Speaker 4: eucalyptus oil and clean your wooden chopping boards.

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Speaker 5: Yeah.

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Speaker 4: I think that's not everything you can do with lemon,

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Speaker 4: but those are a few things you can do with lemon.

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Speaker 2: You can do so much with lemon, like and use

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Speaker 2: the whole lemon as well, totally use the zest use

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Speaker 2: the peel like, Ah, it's so.

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Speaker 4: Gorge totally, totally so my broke tip.

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Speaker 2: Oh you've got one as well? Where does it come from?

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Speaker 2: This week back?

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Speaker 4: Genuinely myself, But I don't know if you guys are

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Speaker 4: gonna love this one. I don't know how useful it's

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Speaker 4: going to be for you, but it will be used

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Speaker 4: full for other people. I know that full strength.

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Speaker 2: We're ready, So we're ready. Obviously.

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Speaker 4: I had a house party on the weekend that passed,

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Speaker 4: and I always get really stressed about parties because I'm like, yeah, a.

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Speaker 2: House party, it's not in my vocabulary. No, that's not

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Speaker 2: happening at my house. Chess, you can come to my house,

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Speaker 2: then someone else can come over, Like we're not over

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Speaker 2: capitalizing on people in my property. A house party is

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Speaker 2: not an option.

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Speaker 6: Yeah that seems fair.

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Speaker 2: Fair dinner party. I'm out for that.

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Speaker 6: Sure, Yeah, freeze party.

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Speaker 2: Maybe I'd have to have that many friends.

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Speaker 4: They all tend to cost a lot of money, basically,

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Speaker 4: is the point. And I was really worried. I always

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Speaker 4: get really stressed around party time because I'm like, everything

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Speaker 4: you do, you don't even think of things like snacks.

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Speaker 4: You gotta buy chairs, you gotta buy fairy.

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Speaker 2: Lights before you know it so they can stand.

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Speaker 4: Yeah, well that's it. Well, but also, like you know, music, everything,

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Speaker 4: everything's so expensive anyway, So my tip is go onto

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Speaker 4: your local. This is probably more of a melbourneing. I

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Speaker 4: I know that Sydney has this, and when I lived

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Speaker 4: here before it didn't feel very communal. I don't think

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Speaker 4: there's a Sydney version, but there might be. I could

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Speaker 4: be wrong.

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Speaker 2: There might be. And if there is, slid into my

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Speaker 2: damns and that can share it with yes please.

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Speaker 4: But in Melbourne we have good carma networks and so

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Speaker 4: I'm even though I don't live there anymore, I'm still

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Speaker 4: part of the bronze with good carbon network. And then

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Speaker 4: there's fitz Roy everywhere and you can just jump on there.

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Speaker 4: I jumped on and it was like literally an hour

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Speaker 4: before my party started, and I was like, does anyone

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Speaker 4: have milk crates? I just need milkrates because I need

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Speaker 4: people to sit down, because I only had four seats

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Speaker 4: in the whole house. And so someone was like, I

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Speaker 4: have a bunch of milk crates. I don't need them back,

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Speaker 4: just take them money. When before I knew it, everyone

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Speaker 4: had a seat, everyone had a little place to rest

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Speaker 4: their hat, and I didn't take a single sense. So

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Speaker 4: just jump into your local good Carmen at work or

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Speaker 4: whatever your equivalent is, and ask for fairy lights that

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Speaker 4: you can just borrow them. Ask to borrow them, seats, ice, buckets, ice, firewood, anything, anything, anything.

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Speaker 2: I love that I do have to ask, what are

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Speaker 2: you doing with the milk crates?

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Speaker 4: They will forever sit in a very inconvenient spot. They

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Speaker 4: will forever be a new sense. But honestly they were free.

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Speaker 4: Next house party we have and someone else will probably

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Speaker 4: post a similar thing in the future, and I'll.

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Speaker 6: Be like, is gonna say, surely you passed them along?

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Speaker 4: Exactly? I've got some milk crates for your.

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Speaker 2: I also have another question, if I may be, of course,

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Speaker 2: how did you transport.

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Speaker 6: The milk crates?

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Speaker 1: Oh?

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Speaker 2: Just in my car?

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Speaker 4: Is he easy?

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Speaker 2: How many milk crates fit in a car?

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Speaker 5: Wait?

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Speaker 6: I want to guess.

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Speaker 2: I want to get I want to guess in game.

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Speaker 2: It's a game, es how many milk crates fit in

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Speaker 2: a car?

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Speaker 6: I'm going to go fifteen.

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Speaker 2: How many milk crates did you get in total?

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Speaker 4: So I actually didn't get that many this time around,

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Speaker 4: but I have in the past filled my car, so

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Speaker 4: I do know the number and.

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Speaker 2: Oh she knows me es oh twenty? How many fit

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Speaker 2: in the car deck?

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Speaker 4: From memory, it was like eighteen and I have a

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Speaker 4: small cards. I have a very small car. You guys

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Speaker 4: have seen my car.

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Speaker 6: Eight I was envisioning my carrier and trying to picture

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Speaker 6: how many I gets.

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Speaker 4: Duck, Yes, it's probably similar size.

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Speaker 2: I love this so good Calma Networks. That is actually

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00:18:06,640 --> 00:18:08,520
Speaker 2: a really good thing. Beck. I know that you said

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Speaker 2: it was for house parties, but even if you're like

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00:18:10,720 --> 00:18:14,639
Speaker 2: furnishing a house, like check out those platforms because you

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00:18:14,680 --> 00:18:15,640
Speaker 2: could get a money.

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Speaker 4: In exactly exactly. So I love Have you enjoyed that one?

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Speaker 1: That one?

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Speaker 2: All right, we're going to go to a really quick

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Speaker 2: break on the flip side. We're going to be talking

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Speaker 2: about what to do if you're fearful of a crashing

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Speaker 2: stock market, and then we're also going to be talking

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Speaker 2: about what to do when your job and your ethics clash.

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Speaker 2: So don't go anywhere, guys, Welcome back, everybody.

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Speaker 6: Let's take a listen to this week's money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

425
00:18:47,560 --> 00:18:50,080
Speaker 2: can't solve? The Sheese on the Money team is here

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00:18:50,160 --> 00:18:53,320
Speaker 2: to help. Every week, we tackle your dilemmas, both big

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00:18:53,440 --> 00:18:56,119
Speaker 2: and small, to answer your most burning money, career and

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00:18:56,200 --> 00:18:59,360
Speaker 2: life questions. To get involved, simply head to our website

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00:18:59,400 --> 00:19:01,479
Speaker 2: and leave us a short voice recording and you might

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00:19:01,600 --> 00:19:04,119
Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 5: I'm a late twenties gal and I've been interested in

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Speaker 5: investing to try and boost some of my future incomes.

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Speaker 5: But whenever you think of investing, you think of things

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Speaker 5: like stock markets and the massive risk of crashing and

436
00:19:25,000 --> 00:19:29,040
Speaker 5: losing millions of dollars rather than safe investments. And wasn't

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Speaker 5: sure where to begin. Have listened to the podcast for

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Speaker 5: a long time, try to do some of my own research,

439
00:19:34,160 --> 00:19:36,840
Speaker 5: but find I keep getting stuck on this idea of

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Speaker 5: investment equals either property or stock market, which is a

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Speaker 5: dangerous game. And wasn't sure there too. Because thanks for

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Speaker 5: the advice.

443
00:19:46,200 --> 00:19:48,760
Speaker 2: Very timely, Because Beck, what did we just record?

444
00:19:49,160 --> 00:19:53,520
Speaker 4: We I want to you can't remember, No, No, I

445
00:19:53,600 --> 00:19:55,639
Speaker 4: want to keep the magic alive and be like, we

446
00:19:55,800 --> 00:19:57,320
Speaker 4: record this in two different days. But we did just

447
00:19:57,400 --> 00:19:59,959
Speaker 4: record an episode about annalysis, paralysis.

448
00:20:00,000 --> 00:20:02,520
Speaker 2: And how you get overwhelmed once you start doing too

449
00:20:02,600 --> 00:20:05,639
Speaker 2: much research and understanding it. But I feel like this

450
00:20:05,840 --> 00:20:08,359
Speaker 2: is a good time to remind you that it totally

451
00:20:08,400 --> 00:20:11,080
Speaker 2: feels like risk because you are taking risk, but it's

452
00:20:11,080 --> 00:20:13,919
Speaker 2: a relatively calculated risk. And what you have on your

453
00:20:14,040 --> 00:20:17,160
Speaker 2: side is time. And the important thing when it comes

454
00:20:17,200 --> 00:20:19,600
Speaker 2: to the share market is actually how much time you

455
00:20:19,760 --> 00:20:22,800
Speaker 2: spend inside the share market, right, And we know two

456
00:20:22,920 --> 00:20:25,080
Speaker 2: things to be true when it comes to the share market.

457
00:20:25,160 --> 00:20:27,200
Speaker 2: I'm probably going to list off more than two things,

458
00:20:27,240 --> 00:20:29,240
Speaker 2: so just don't hold me to account to my own words.

459
00:20:29,720 --> 00:20:32,800
Speaker 2: So the first is that if you take any thirty

460
00:20:32,880 --> 00:20:36,600
Speaker 2: year period in time over the history of the Australian

461
00:20:36,840 --> 00:20:39,680
Speaker 2: Stock Exchange and to have a look at that thirty

462
00:20:39,760 --> 00:20:42,280
Speaker 2: year period, not one person has lost money if they

463
00:20:42,320 --> 00:20:45,120
Speaker 2: stayed invested. So we know that if you stay invested

464
00:20:45,200 --> 00:20:48,840
Speaker 2: for the long term, investors like long term investors, always

465
00:20:48,920 --> 00:20:52,080
Speaker 2: come out as winners. We also know to be true

466
00:20:52,640 --> 00:20:57,119
Speaker 2: that the share market over your entire lifetime or the

467
00:20:57,200 --> 00:21:01,439
Speaker 2: average Australian lifetime, is going to have seven market dips,

468
00:21:01,840 --> 00:21:04,800
Speaker 2: so seven times you are going to log into your

469
00:21:04,920 --> 00:21:08,800
Speaker 2: profile and see that the market has crashed. So the

470
00:21:08,840 --> 00:21:11,080
Speaker 2: biggest one that we saw in I guess more recent

471
00:21:11,200 --> 00:21:13,800
Speaker 2: times was the global financial crisis, which happened in two

472
00:21:13,800 --> 00:21:16,680
Speaker 2: thousand and eight, and obviously, if I showed you a graph,

473
00:21:16,760 --> 00:21:19,920
Speaker 2: we have more than recovered from that. But what happens

474
00:21:20,040 --> 00:21:22,840
Speaker 2: during a time of dip is people freak out right,

475
00:21:22,920 --> 00:21:25,720
Speaker 2: and we're seeing that literally this week because the market

476
00:21:25,920 --> 00:21:28,240
Speaker 2: is off and there has been an absolute dip in

477
00:21:28,320 --> 00:21:31,480
Speaker 2: the market and people go, oh, my gosh, my investments

478
00:21:31,520 --> 00:21:34,480
Speaker 2: are worthless money. Should I be selling Jess? And the

479
00:21:34,600 --> 00:21:37,360
Speaker 2: answer is often no, because we need to ride that out.

480
00:21:37,520 --> 00:21:40,280
Speaker 2: We don't want to crystallize our loss, which means we

481
00:21:40,440 --> 00:21:42,760
Speaker 2: sell at a price that is much less than what

482
00:21:42,880 --> 00:21:46,320
Speaker 2: we paid for it because we're scared. And what happens

483
00:21:46,400 --> 00:21:49,960
Speaker 2: over time, if you are a consistent investor is you

484
00:21:50,000 --> 00:21:53,240
Speaker 2: would stay invested and your money would recover, if not double.

485
00:21:53,520 --> 00:21:55,439
Speaker 2: And we know because of the rule of seventy two,

486
00:21:55,480 --> 00:21:57,680
Speaker 2: which I probably should do an entire podcast on, because

487
00:21:57,680 --> 00:22:00,359
Speaker 2: I feel, like I've said on the podcast so many times, like, oh,

488
00:22:00,400 --> 00:22:02,680
Speaker 2: because of the rule of seventy two, people are like, yeah,

489
00:22:02,680 --> 00:22:06,480
Speaker 2: okav Ha was that we probably should deep dive into that.

490
00:22:06,600 --> 00:22:09,240
Speaker 2: But essentially The crux of that rule is that money

491
00:22:09,280 --> 00:22:12,040
Speaker 2: will double every seven to ten years, and so we

492
00:22:12,320 --> 00:22:15,000
Speaker 2: know that over the long term, if you're investing in

493
00:22:15,040 --> 00:22:19,080
Speaker 2: the Australian share market, guys, your money should double over

494
00:22:19,200 --> 00:22:21,000
Speaker 2: that period of time. But what we need to have

495
00:22:21,119 --> 00:22:24,720
Speaker 2: on our side is time. We also know that the

496
00:22:24,920 --> 00:22:29,520
Speaker 2: media sensationalizers loss. Jess, would you like to read an

497
00:22:29,600 --> 00:22:33,720
Speaker 2: article on, you know, my share portfolio? Probably not because

498
00:22:33,760 --> 00:22:37,200
Speaker 2: it's boring. It was up last year and that was great,

499
00:22:37,320 --> 00:22:40,320
Speaker 2: but there's nothing to write home about because my plans

500
00:22:40,400 --> 00:22:43,200
Speaker 2: for that portfolio are that over the next thirty years

501
00:22:43,680 --> 00:22:47,040
Speaker 2: makes me rich. If that's the plan, I don't want

502
00:22:47,119 --> 00:22:49,440
Speaker 2: it to be sexy. I don't want it to be notable.

503
00:22:49,680 --> 00:22:52,359
Speaker 2: But you know what's notable when somebody invests all their

504
00:22:52,400 --> 00:22:53,280
Speaker 2: money and then loses it.

505
00:22:53,800 --> 00:22:55,480
Speaker 6: Yeah, they want like the clickbait story.

506
00:22:55,640 --> 00:22:58,800
Speaker 2: We literally had my friend Tracy Hall on the podcast

507
00:22:58,880 --> 00:23:01,640
Speaker 2: the other day to talk about how she lost three

508
00:23:01,720 --> 00:23:05,040
Speaker 2: hundred and seventeen thousand dollars to a scam artist, because

509
00:23:05,080 --> 00:23:08,040
Speaker 2: that is great content that we can learn from. People

510
00:23:08,160 --> 00:23:12,320
Speaker 2: are genuinely more interested in engaging in content that ignites

511
00:23:12,359 --> 00:23:16,159
Speaker 2: our emotion than we are in engaging in content that's like, oh,

512
00:23:16,240 --> 00:23:17,880
Speaker 2: so you're doing well. That's nice.

513
00:23:18,280 --> 00:23:19,520
Speaker 6: Yeah, Like no one cares.

514
00:23:20,080 --> 00:23:22,280
Speaker 2: So I think when we're looking at it, and going

515
00:23:22,320 --> 00:23:25,320
Speaker 2: back to our listener question, you're worried about it because

516
00:23:25,320 --> 00:23:28,640
Speaker 2: you would hear stories because the media perpetuates those stories.

517
00:23:28,880 --> 00:23:30,960
Speaker 2: But if we look at the reality of the situation,

518
00:23:31,240 --> 00:23:34,000
Speaker 2: if you have time on your side, investing is a

519
00:23:34,040 --> 00:23:35,080
Speaker 2: no brainer, and.

520
00:23:35,119 --> 00:23:37,399
Speaker 6: Dips are often an opportunity to get ahead, like the

521
00:23:37,440 --> 00:23:40,120
Speaker 6: dipyvnial this week. I literally this morning chucked extra money

522
00:23:40,119 --> 00:23:41,040
Speaker 6: in mind did you.

523
00:23:41,359 --> 00:23:42,879
Speaker 2: I am so proud of you.

524
00:23:43,840 --> 00:23:46,560
Speaker 6: My normal ETF is like a little bit off, like

525
00:23:46,680 --> 00:23:49,040
Speaker 6: Sixtysons down from where it was last time I bought her.

526
00:23:49,080 --> 00:23:52,640
Speaker 2: So you're telling me that you invested during a dip

527
00:23:52,840 --> 00:23:54,920
Speaker 2: and you were like, oh, this is an opportunity for

528
00:23:55,080 --> 00:23:56,200
Speaker 2: me exactly.

529
00:23:55,840 --> 00:23:58,840
Speaker 6: Like, which is not always the case. Not financial advice obviously,

530
00:23:59,040 --> 00:24:01,480
Speaker 6: but like if that's something, but you're seizing.

531
00:24:01,160 --> 00:24:03,840
Speaker 2: An opportunity that you have identified for yourself, and we

532
00:24:03,880 --> 00:24:05,680
Speaker 2: don't know what you're investing in all, how that works.

533
00:24:05,720 --> 00:24:08,080
Speaker 2: It's actually not of our business. But I think it's

534
00:24:08,680 --> 00:24:11,960
Speaker 2: important to understand that mindset is really important. And Jess,

535
00:24:12,000 --> 00:24:13,840
Speaker 2: you've been investing for a number of years now, which

536
00:24:13,880 --> 00:24:16,880
Speaker 2: is really cool. And I know that the first year

537
00:24:16,960 --> 00:24:19,320
Speaker 2: we were kind of like laughing. We were laughing at

538
00:24:19,359 --> 00:24:22,520
Speaker 2: your dividends. We're laughing about dividends because we're like, ha

539
00:24:22,640 --> 00:24:25,640
Speaker 2: ha ha, I made fifty cents. I'm going to be rich.

540
00:24:26,200 --> 00:24:28,159
Speaker 2: But are you starting to see the fruits of your

541
00:24:28,240 --> 00:24:29,320
Speaker 2: labor a little bit?

542
00:24:29,359 --> 00:24:31,120
Speaker 6: I think more than anything, it's just nice to see

543
00:24:31,160 --> 00:24:34,040
Speaker 6: it like growing overall, Like, even with the dip, my

544
00:24:34,119 --> 00:24:36,680
Speaker 6: portfolio is still up about I think seven percent or something,

545
00:24:36,720 --> 00:24:39,639
Speaker 6: which is okay, And I like, I'm not doing anything vancy,

546
00:24:39,720 --> 00:24:42,320
Speaker 6: like I'm investing primarily in one year.

547
00:24:42,359 --> 00:24:44,760
Speaker 2: You must have had a really good financial advisor.

548
00:24:45,200 --> 00:24:46,359
Speaker 6: Yeah, imagine that.

549
00:24:46,800 --> 00:24:51,159
Speaker 2: Wow, it's so sad she's retired now. Oh, I'm so sorry.

550
00:24:52,000 --> 00:24:54,119
Speaker 2: That's a good question. I feel like, you know, at

551
00:24:54,160 --> 00:24:57,240
Speaker 2: the end of the day, analysis paralysis comes into this.

552
00:24:57,400 --> 00:24:59,280
Speaker 2: And then also on that episode, Beck, you and I

553
00:24:59,400 --> 00:25:01,840
Speaker 2: Beck were talking about the worst thing that's never happened

554
00:25:01,880 --> 00:25:04,560
Speaker 2: to you and how we often all jump to the

555
00:25:04,640 --> 00:25:07,399
Speaker 2: worst possible conclusion and it's important, like we want to

556
00:25:07,440 --> 00:25:09,399
Speaker 2: weigh up our risk, we want to talk about what

557
00:25:09,520 --> 00:25:13,720
Speaker 2: could possibly happen, but maybe ask yourself the question of like, well, Jess,

558
00:25:13,760 --> 00:25:16,159
Speaker 2: what's the worst thing that's never happened to you? And like,

559
00:25:16,600 --> 00:25:18,800
Speaker 2: what you've made up in your mind is often worse

560
00:25:18,880 --> 00:25:20,360
Speaker 2: than the reality of the situation.

561
00:25:20,880 --> 00:25:22,160
Speaker 6: And keep an eye out for that episode.

562
00:25:22,280 --> 00:25:24,320
Speaker 4: Yes so soon, good shout.

563
00:25:24,760 --> 00:25:27,399
Speaker 2: All right, let's get into some spicier content because this

564
00:25:27,560 --> 00:25:30,440
Speaker 2: week we got a DM from you guys, and it's

565
00:25:30,640 --> 00:25:32,720
Speaker 2: all about what to do when your job and your

566
00:25:32,760 --> 00:25:37,080
Speaker 2: ethics are clashing. Alright, are you ready ready? Hi? Sheeeese.

567
00:25:37,080 --> 00:25:39,680
Speaker 2: On the money, I'm having a big moral to lever.

568
00:25:40,080 --> 00:25:43,000
Speaker 2: I have a job that I absolutely love. It pays

569
00:25:43,080 --> 00:25:46,200
Speaker 2: really well, the team is amazing, and I genuinely enjoy

570
00:25:46,280 --> 00:25:49,840
Speaker 2: the work that I do. However, recently the company has

571
00:25:49,920 --> 00:25:52,880
Speaker 2: been in the news for engaging and behaviors that totally

572
00:25:52,960 --> 00:25:55,840
Speaker 2: clash with my values. It's reached a point where some

573
00:25:55,960 --> 00:25:58,879
Speaker 2: people I respect have refused to work with us because

574
00:25:58,920 --> 00:26:02,440
Speaker 2: of it. Feeling super conflicted, I don't want to be

575
00:26:02,440 --> 00:26:04,760
Speaker 2: a part of something that doesn't align with my principles,

576
00:26:04,840 --> 00:26:06,680
Speaker 2: but I also don't want to give up a job

577
00:26:07,160 --> 00:26:10,280
Speaker 2: that's been so amazing, and if I go elsewhere, I'm

578
00:26:10,280 --> 00:26:12,520
Speaker 2: probably gonna have to take a pay cut. I'm really

579
00:26:12,600 --> 00:26:14,440
Speaker 2: struggling with this. What would you do?

580
00:26:15,680 --> 00:26:16,440
Speaker 6: I want the tea.

581
00:26:16,960 --> 00:26:20,040
Speaker 2: I M very disappointed you didn't DM me the company

582
00:26:20,080 --> 00:26:24,240
Speaker 2: you work for, Like what was the client that wouldn't

583
00:26:24,240 --> 00:26:24,600
Speaker 2: work with you?

584
00:26:24,720 --> 00:26:26,879
Speaker 4: Like we need to know can we take google it?

585
00:26:26,960 --> 00:26:28,360
Speaker 4: I think we could probably google it with a few

586
00:26:28,400 --> 00:26:29,240
Speaker 4: key words.

587
00:26:29,119 --> 00:26:30,960
Speaker 2: Yeah, one hundred percent, But we're not going to do that.

588
00:26:31,080 --> 00:26:31,879
Speaker 2: We're not going to do that.

589
00:26:32,119 --> 00:26:33,520
Speaker 4: We're not going to do that. But I just feel like,

590
00:26:33,880 --> 00:26:36,560
Speaker 4: like big companies, not all like I don't want to

591
00:26:36,560 --> 00:26:39,720
Speaker 4: say all hashtag not all companies, but I feel like

592
00:26:39,760 --> 00:26:43,119
Speaker 4: if we did try and google it, the like, like

593
00:26:43,320 --> 00:26:46,800
Speaker 4: we just be flooded with news because there'd probably be

594
00:26:46,960 --> 00:26:50,480
Speaker 4: heaps of options exactly, which makes you think like a

595
00:26:50,520 --> 00:26:52,159
Speaker 4: lot of companies are like this, and like, you know,

596
00:26:52,240 --> 00:26:54,880
Speaker 4: I don't want to obviously point things on name names,

597
00:26:54,920 --> 00:26:57,879
Speaker 4: but I've definitely worked in some companies that I feel

598
00:26:58,000 --> 00:27:03,640
Speaker 4: like my values don't feel line with their overall kind

599
00:27:03,720 --> 00:27:05,560
Speaker 4: of like I don't know what they've been doing behind

600
00:27:05,600 --> 00:27:07,960
Speaker 4: the scenes. Some companies are a little bit corrupt, of course,

601
00:27:08,080 --> 00:27:10,800
Speaker 4: like some management styles are really really awful, and some

602
00:27:11,720 --> 00:27:13,960
Speaker 4: people in higher places aren't.

603
00:27:13,720 --> 00:27:15,280
Speaker 2: The best people sometimes.

604
00:27:15,680 --> 00:27:19,880
Speaker 4: And I did read a book about psychopaths in kind

605
00:27:19,920 --> 00:27:21,800
Speaker 4: of like I'm really jumping here, but psychopaths in like

606
00:27:22,240 --> 00:27:25,080
Speaker 4: higher positions. John ronson psychopath It's a really good book.

607
00:27:25,359 --> 00:27:29,040
Speaker 4: You kind of just know that sometimes people who are

608
00:27:29,640 --> 00:27:33,040
Speaker 4: a little bit morally corrupt can climb their way to

609
00:27:33,160 --> 00:27:36,040
Speaker 4: the top just by stepping out other people. So it's

610
00:27:36,119 --> 00:27:40,040
Speaker 4: not unheard of that companies kind of can get themselves

611
00:27:40,080 --> 00:27:43,399
Speaker 4: into like a bit of hot water, just basically because

612
00:27:43,560 --> 00:27:48,080
Speaker 4: sometimes the right people aren't really running or driving the ship,

613
00:27:48,119 --> 00:27:50,720
Speaker 4: if that makes sense. So it's probably going to be

614
00:27:50,800 --> 00:27:56,520
Speaker 4: hard to find a company that is completely unscathed and

615
00:27:56,720 --> 00:28:01,359
Speaker 4: completely morally sound in its entire But that's not to

616
00:28:01,400 --> 00:28:04,200
Speaker 4: say like if there's something that's it's really hard to

617
00:28:04,560 --> 00:28:07,400
Speaker 4: without all the Jews, it's really hard to say, but yeah,

618
00:28:07,400 --> 00:28:10,600
Speaker 4: I need, Yeah, I guess, like going off what we

619
00:28:10,760 --> 00:28:13,760
Speaker 4: have here, if it's something that's so bad that you

620
00:28:14,760 --> 00:28:17,840
Speaker 4: don't think if you could kind of boil the whole

621
00:28:17,920 --> 00:28:20,720
Speaker 4: company down into one person, if you're like, all that's

622
00:28:20,800 --> 00:28:22,800
Speaker 4: so bad that i'd need I would cut this person

623
00:28:22,840 --> 00:28:27,479
Speaker 4: out of my life, then maybe look elsewhere. But if

624
00:28:27,520 --> 00:28:30,040
Speaker 4: it's like I don't know, I don't know, this is

625
00:28:30,080 --> 00:28:32,360
Speaker 4: probably really bad advice because it might have been really

626
00:28:32,440 --> 00:28:33,760
Speaker 4: bad what they're talking about.

627
00:28:33,960 --> 00:28:35,159
Speaker 6: We don't know, We don't know.

628
00:28:36,200 --> 00:28:37,639
Speaker 2: Yeah, reckon, I agree.

629
00:28:37,640 --> 00:28:39,760
Speaker 6: I think the context. You know, it's one thing, is

630
00:28:39,840 --> 00:28:42,280
Speaker 6: the company being done for like poor business practice or

631
00:28:42,560 --> 00:28:45,160
Speaker 6: you know, things that it sounds bad, but I think

632
00:28:45,800 --> 00:28:47,640
Speaker 6: it's going to very person to person. But there are

633
00:28:47,720 --> 00:28:51,440
Speaker 6: certain moral ethical things that may sit better or worse

634
00:28:51,800 --> 00:28:54,239
Speaker 6: with you as an individual. So like, for example, if

635
00:28:54,240 --> 00:28:57,440
Speaker 6: they've misspaying everyone super like do it? I like morally

636
00:28:57,560 --> 00:28:59,400
Speaker 6: disagree with that. Obviously they're gonna have to pay it back.

637
00:28:59,760 --> 00:29:03,760
Speaker 6: Verse is are they, you know, part of some ring

638
00:29:03,880 --> 00:29:06,760
Speaker 6: of corruption that's doing Yeah, really horrible humanity.

639
00:29:06,760 --> 00:29:08,800
Speaker 2: That's where my brain's going, right, because I think that

640
00:29:08,920 --> 00:29:11,520
Speaker 2: there are ethical dilemmas that you can easily avoid, Like Jess,

641
00:29:11,520 --> 00:29:13,160
Speaker 2: would you like to work for an oil company?

642
00:29:13,400 --> 00:29:13,560
Speaker 6: Yeah?

643
00:29:13,600 --> 00:29:15,440
Speaker 2: And you go no, I don't because I don't want

644
00:29:15,480 --> 00:29:17,480
Speaker 2: to work for that company. But then on the flip side,

645
00:29:17,520 --> 00:29:19,560
Speaker 2: this sounds like it's something that she didn't know about

646
00:29:19,720 --> 00:29:22,040
Speaker 2: that has come about and is now in the media.

647
00:29:22,400 --> 00:29:25,080
Speaker 6: Yes, I agree completely, So you know there's that to

648
00:29:25,160 --> 00:29:27,080
Speaker 6: take into account. I guess the severity of it and

649
00:29:27,160 --> 00:29:30,480
Speaker 6: where on your personal scale of morals that problem sits.

650
00:29:30,880 --> 00:29:32,440
Speaker 6: I think, like the big thing of note for me

651
00:29:32,560 --> 00:29:35,240
Speaker 6: here is that you said you love your job, it

652
00:29:35,360 --> 00:29:38,320
Speaker 6: pays you well, you work with great people. That is

653
00:29:38,480 --> 00:29:39,920
Speaker 6: very very hard to find in.

654
00:29:40,000 --> 00:29:43,240
Speaker 2: A job, and I still hasn't found it back, still.

655
00:29:43,120 --> 00:29:44,920
Speaker 6: Searching, just kidding.

656
00:29:45,280 --> 00:29:47,200
Speaker 4: Almost all those boxes are ticked, but certainly not the

657
00:29:47,240 --> 00:29:47,960
Speaker 4: people that you work with.

658
00:29:48,720 --> 00:29:53,880
Speaker 6: Yeah, so if you were to go to another company,

659
00:29:53,960 --> 00:29:56,200
Speaker 6: there's a very high chance that, okay, you would maybe

660
00:29:56,360 --> 00:29:58,680
Speaker 6: be more morally aligned with all of their choices or

661
00:29:58,680 --> 00:30:00,760
Speaker 6: all of their choices to your knowledge, but maybe the

662
00:30:00,800 --> 00:30:03,040
Speaker 6: pace shit, or maybe the people are awful. Like it's

663
00:30:03,240 --> 00:30:05,640
Speaker 6: very hard to tick, as you're saying back, like all

664
00:30:05,920 --> 00:30:08,200
Speaker 6: of those boxes, and I guess it's about weighing up

665
00:30:08,240 --> 00:30:12,000
Speaker 6: what's important to you. If there's a big ethical issue,

666
00:30:12,080 --> 00:30:14,680
Speaker 6: I would also argue, especially if it's in the media,

667
00:30:15,560 --> 00:30:18,800
Speaker 6: change should be about to happen, you know, again, depending

668
00:30:18,840 --> 00:30:20,520
Speaker 6: on what the problem is. If it's the kind of

669
00:30:20,600 --> 00:30:23,800
Speaker 6: thing that clients are refusing to work with you, that

670
00:30:24,000 --> 00:30:26,880
Speaker 6: means that there's like a systemic issue within this company

671
00:30:26,920 --> 00:30:29,600
Speaker 6: that needs to be addressed and for the company to continue,

672
00:30:29,640 --> 00:30:33,840
Speaker 6: for them to continue to succeed. Theoretically that needs to

673
00:30:33,920 --> 00:30:37,080
Speaker 6: be resolved. So hopefully change is on the horizon.

674
00:30:36,720 --> 00:30:41,000
Speaker 2: And hopefully it's just good pr for that company to go, Hey, Jess,

675
00:30:41,080 --> 00:30:42,960
Speaker 2: we don't want to work with you right now, Like

676
00:30:43,080 --> 00:30:46,240
Speaker 2: we just don't want to be dragged into this media storm.

677
00:30:46,560 --> 00:30:48,280
Speaker 2: We don't want to work with you. And it's not

678
00:30:48,440 --> 00:30:51,600
Speaker 2: actually personal. I think you're you're hitting the nail on

679
00:30:51,640 --> 00:30:54,000
Speaker 2: the head. For me, it's actually about what are they

680
00:30:54,080 --> 00:30:57,320
Speaker 2: planning on doing and how is that effectively being communicated?

681
00:30:57,360 --> 00:30:59,560
Speaker 2: Because we know that when something hits the media, we

682
00:30:59,720 --> 00:31:02,160
Speaker 2: work in media, we know that by the time it

683
00:31:02,280 --> 00:31:06,240
Speaker 2: hits the media, it's such a small part of what's happening.

684
00:31:06,320 --> 00:31:08,520
Speaker 2: So it might be like this big expose and you

685
00:31:08,600 --> 00:31:11,520
Speaker 2: get all this information, but like did you know about

686
00:31:11,560 --> 00:31:14,840
Speaker 2: it before? What was being hidden? Like what are the outcomes?

687
00:31:15,080 --> 00:31:18,160
Speaker 2: What kind of interventions are happening in your workplace right

688
00:31:18,240 --> 00:31:21,000
Speaker 2: now to deal with that? Like if there's a media

689
00:31:21,080 --> 00:31:23,240
Speaker 2: shit storm, and then on the flip side, they're not

690
00:31:23,360 --> 00:31:25,840
Speaker 2: saying anything internally at all that would make me feel

691
00:31:25,920 --> 00:31:28,400
Speaker 2: so uncomfortable completely, like address it. Hit the nail on

692
00:31:28,440 --> 00:31:30,920
Speaker 2: the head, like where are we going? What are we doing?

693
00:31:31,680 --> 00:31:34,000
Speaker 2: Is it clients not working with you because they don't

694
00:31:34,040 --> 00:31:36,320
Speaker 2: want to be involved in what's going on currently, Like

695
00:31:36,480 --> 00:31:38,960
Speaker 2: what's the outcome going to be? Because I'm assuming it's not.

696
00:31:39,080 --> 00:31:41,480
Speaker 2: Like I use the oil company as an example, I

697
00:31:41,520 --> 00:31:43,600
Speaker 2: think because I'm an ex financial advisor and that was

698
00:31:43,640 --> 00:31:46,719
Speaker 2: often something the clients didn't like. But if it's an

699
00:31:46,720 --> 00:31:49,600
Speaker 2: oil company, like you might not want to work at BHP.

700
00:31:49,920 --> 00:31:52,360
Speaker 2: Just yeah, But also you might have chosen to work

701
00:31:52,400 --> 00:31:54,680
Speaker 2: at BHP because they actually have a really good grad program,

702
00:31:54,720 --> 00:31:57,960
Speaker 2: They've got really good leadership development tools, like you kind

703
00:31:58,000 --> 00:32:00,280
Speaker 2: of are using that as part of your path way

704
00:32:00,400 --> 00:32:02,560
Speaker 2: to get into the career that you want to get into.

705
00:32:03,160 --> 00:32:06,320
Speaker 2: So it's completely up to you how you deal with this.

706
00:32:07,000 --> 00:32:08,920
Speaker 2: I would really struggle with it, and I know that

707
00:32:09,320 --> 00:32:11,040
Speaker 2: you know the rest of my team would too. I

708
00:32:11,120 --> 00:32:15,320
Speaker 2: think we're so ethically minded, like we are very black

709
00:32:15,360 --> 00:32:17,800
Speaker 2: and white, Like there's not a lot of gray in

710
00:32:18,000 --> 00:32:20,400
Speaker 2: what's right and wrong in our team. And I don't

711
00:32:20,440 --> 00:32:22,720
Speaker 2: think that that's a bad thing. I think there's lots

712
00:32:22,720 --> 00:32:24,880
Speaker 2: of room for gray in every other area. But like

713
00:32:24,960 --> 00:32:26,920
Speaker 2: when it comes to not doing the right thing by

714
00:32:26,960 --> 00:32:29,040
Speaker 2: your employees, I think all of us like, Nope, that's

715
00:32:29,120 --> 00:32:32,520
Speaker 2: not on like there's no like, oh, it's okay if

716
00:32:32,600 --> 00:32:36,040
Speaker 2: they just didn't notice, And I'm like, no, that's actually unacceptable, Like, yeah,

717
00:32:36,120 --> 00:32:38,520
Speaker 2: I can't get past that. I think you need to

718
00:32:38,640 --> 00:32:40,720
Speaker 2: have a think about, well, what's the outcome going to

719
00:32:40,760 --> 00:32:43,400
Speaker 2: be twelve months from now? And you're right, Jess, like

720
00:32:43,440 --> 00:32:46,920
Speaker 2: if you adore your job, it's also not your responsibility.

721
00:32:47,560 --> 00:32:48,680
Speaker 6: So like if you.

722
00:32:48,800 --> 00:32:51,920
Speaker 2: Weren't playing into this, then I think that that could

723
00:32:51,960 --> 00:32:55,320
Speaker 2: be a conversation to have with your manager and going, well,

724
00:32:55,400 --> 00:32:59,120
Speaker 2: I'm actually at an ethical crossroads? What's going on here?

725
00:32:59,280 --> 00:33:01,280
Speaker 2: Like I don't really want to support this. I can

726
00:33:01,320 --> 00:33:03,920
Speaker 2: always guarantee everyone else internally it doesn't want to either.

727
00:33:04,400 --> 00:33:06,160
Speaker 6: Can you be a part of the change too? Again,

728
00:33:06,240 --> 00:33:08,640
Speaker 6: depending on what it is, Like is it something that

729
00:33:09,120 --> 00:33:10,720
Speaker 6: you know, if you say you really care about this

730
00:33:10,840 --> 00:33:12,160
Speaker 6: job and the work that you're doing, Like, is it

731
00:33:12,240 --> 00:33:13,880
Speaker 6: something that you're okay, great? Like I want to see

732
00:33:13,920 --> 00:33:15,480
Speaker 6: a change or be the change? Like how do we

733
00:33:16,160 --> 00:33:19,520
Speaker 6: as a team within this company facilitate a shift towards

734
00:33:19,600 --> 00:33:22,720
Speaker 6: something that is more by the greater good? Exactly right?

735
00:33:22,960 --> 00:33:25,440
Speaker 2: I like it. Well, it turns out this is actually

736
00:33:25,520 --> 00:33:27,959
Speaker 2: more common than we thought it would be. Really forty

737
00:33:28,120 --> 00:33:31,120
Speaker 2: one percent of the Sheese on the Money community have

738
00:33:31,520 --> 00:33:34,960
Speaker 2: had an ethical concern about their workplace. Wow, forty one

739
00:33:35,120 --> 00:33:35,480
Speaker 2: is a lot.

740
00:33:36,520 --> 00:33:39,440
Speaker 4: I thought of you more, but I mean forty one.

741
00:33:40,280 --> 00:33:42,920
Speaker 2: It is actually more because nineteen percent of people said

742
00:33:42,960 --> 00:33:44,920
Speaker 2: yeah kind of, but it was actually only a small thing.

743
00:33:45,000 --> 00:33:49,640
Speaker 6: Oh, I see, okay, so like sixty seventy did you say, yeah,

744
00:33:49,640 --> 00:33:50,640
Speaker 6: there you go seventy percent.

745
00:33:50,720 --> 00:33:55,000
Speaker 4: Wow, that's so high sixty the MATTHI math.

746
00:33:56,840 --> 00:34:00,360
Speaker 2: And then we asked our community as well. You work

747
00:34:00,400 --> 00:34:02,520
Speaker 2: for a high paying job, but if the company's value

748
00:34:02,560 --> 00:34:03,960
Speaker 2: is clashed with yours, would you do it?

749
00:34:04,040 --> 00:34:06,480
Speaker 6: Jes see, this is a this is such your number.

750
00:34:06,760 --> 00:34:07,040
Speaker 1: This is.

751
00:34:08,520 --> 00:34:10,040
Speaker 6: If someone said to me, we'll pay you a million

752
00:34:10,120 --> 00:34:13,000
Speaker 6: dollars a year, I would I work for v HP

753
00:34:13,160 --> 00:34:15,839
Speaker 6: now and I would totally just be like great fight

754
00:34:15,920 --> 00:34:16,440
Speaker 6: the man from the.

755
00:34:16,440 --> 00:34:20,879
Speaker 2: Inside really well to do it true, Like this isn't

756
00:34:20,920 --> 00:34:24,080
Speaker 2: on me. I feel like there's a point when your

757
00:34:24,120 --> 00:34:25,919
Speaker 2: friends ask you be like, Dave, it's not that deep.

758
00:34:27,880 --> 00:34:31,160
Speaker 4: First of all, it's really risky that we're talking about.

759
00:34:31,200 --> 00:34:33,440
Speaker 4: Is I want if in case any of our bosses

760
00:34:33,600 --> 00:34:35,400
Speaker 4: be don't I don't think you have a boss, do you?

761
00:34:36,920 --> 00:34:42,360
Speaker 2: She's the boss, so we're gonna break it to you

762
00:34:42,480 --> 00:34:42,839
Speaker 2: now too.

763
00:34:43,680 --> 00:34:46,200
Speaker 4: Also, you are my boss, so I just want you

764
00:34:46,239 --> 00:34:48,360
Speaker 4: to know block your ears because me and Jess have

765
00:34:48,440 --> 00:34:50,080
Speaker 4: a lot of things to say about this. But no,

766
00:34:50,200 --> 00:34:53,719
Speaker 4: just kidding, I want any of my bosses and Jess's bosses.

767
00:34:54,920 --> 00:34:58,000
Speaker 4: That's why I'm still here, not be to just know

768
00:34:58,120 --> 00:35:00,920
Speaker 4: it's not them. But yes, I'm the I will probably

769
00:35:01,680 --> 00:35:05,800
Speaker 4: I think I would still work for a kind of

770
00:35:05,880 --> 00:35:08,120
Speaker 4: like a corrupt or, like a company that doesn't really

771
00:35:08,200 --> 00:35:10,799
Speaker 4: morally align with me, which I know is crazy that.

772
00:35:10,920 --> 00:35:14,080
Speaker 2: Here first, misspec say, ed will work for a corrupt

773
00:35:14,200 --> 00:35:15,759
Speaker 2: company if you pay her well.

774
00:35:16,200 --> 00:35:18,520
Speaker 6: And again it's it's on the scale. It's not like, yeah,

775
00:35:18,800 --> 00:35:22,840
Speaker 6: we're exploiting children or funding you like no, no, no, no,

776
00:35:23,080 --> 00:35:23,560
Speaker 6: not here for that.

777
00:35:23,719 --> 00:35:26,080
Speaker 2: But like if no, no, no, money makes the world

778
00:35:26,160 --> 00:35:26,600
Speaker 2: go round.

779
00:35:26,920 --> 00:35:28,319
Speaker 6: There's a little gray area. I know, we just said

780
00:35:28,320 --> 00:35:29,480
Speaker 6: there's no gray but no, we.

781
00:35:29,680 --> 00:35:32,920
Speaker 2: Asked our community and forty eight percent of you said no,

782
00:35:33,080 --> 00:35:37,680
Speaker 2: my values are too important. That's really good. Okay, you said, yeah,

783
00:35:37,719 --> 00:35:40,600
Speaker 2: the money matters. It does. Yeah, Like, at the end

784
00:35:40,640 --> 00:35:43,560
Speaker 2: of the day, money is life changing. And I mean

785
00:35:43,719 --> 00:35:46,400
Speaker 2: we can argue back and forth about how you know,

786
00:35:46,520 --> 00:35:48,719
Speaker 2: money doesn't buy happiness. It doesn't, but you know what,

787
00:35:49,280 --> 00:35:50,560
Speaker 2: it makes me pretty comfortable.

788
00:35:50,760 --> 00:35:52,600
Speaker 6: It buys you some peace of mind, buys you.

789
00:35:52,560 --> 00:35:54,560
Speaker 2: A peace of mind, It buys you early retirement, It

790
00:35:54,640 --> 00:35:57,239
Speaker 2: buys you so much stuff, it buys the food on

791
00:35:57,320 --> 00:35:57,800
Speaker 2: your table.

792
00:35:58,000 --> 00:36:00,880
Speaker 6: Yeah, Like it's just I think inspective.

793
00:36:00,520 --> 00:36:03,839
Speaker 2: Comes in here a lot. Like I was reflecting over

794
00:36:03,920 --> 00:36:06,680
Speaker 2: the weekend, I've been doing a lot of like gratitude practices,

795
00:36:07,200 --> 00:36:11,200
Speaker 2: and I was reflecting over how grateful this is, probably

796
00:36:11,239 --> 00:36:13,120
Speaker 2: me getting a little bit more she so apologies. Will

797
00:36:13,120 --> 00:36:17,080
Speaker 2: get back onto corrupt track in a second. But my

798
00:36:17,239 --> 00:36:19,560
Speaker 2: husband and I went out for breakfast with my baby

799
00:36:19,680 --> 00:36:21,160
Speaker 2: on the weekend and we were sitting there and I

800
00:36:21,239 --> 00:36:23,080
Speaker 2: was having eggs and a coffee and my husband's just

801
00:36:23,120 --> 00:36:25,239
Speaker 2: playing on his phone, and I was getting a little

802
00:36:25,239 --> 00:36:27,040
Speaker 2: bit annoyed because like he wasn't giving me the attention

803
00:36:27,160 --> 00:36:29,000
Speaker 2: that I thought I deserved in that moment, right, And

804
00:36:29,040 --> 00:36:30,400
Speaker 2: I was like, get off your phone. You're always on

805
00:36:30,480 --> 00:36:32,480
Speaker 2: your phone, and he was like, bit rich, but okay.

806
00:36:33,200 --> 00:36:36,239
Speaker 2: And then we get home and I'm thinking, wow, I

807
00:36:36,480 --> 00:36:39,160
Speaker 2: just take it so for granted that I am able

808
00:36:39,200 --> 00:36:41,360
Speaker 2: to go out for breakfast. I'm able to purchase a

809
00:36:41,480 --> 00:36:46,359
Speaker 2: breakfast meal at a restaurant. There are people where that's

810
00:36:46,440 --> 00:36:49,239
Speaker 2: their one fancy thing that they do in the year. Yeah,

811
00:36:49,560 --> 00:36:51,560
Speaker 2: Like I need to pull my head in. And I

812
00:36:51,640 --> 00:36:54,560
Speaker 2: think it's all about perspective because some people who say,

813
00:36:55,040 --> 00:36:57,920
Speaker 2: oh my gosh, I would never work for a corrupt company,

814
00:36:58,120 --> 00:37:00,560
Speaker 2: It's like, do you know what, there are a lot

815
00:37:00,600 --> 00:37:03,160
Speaker 2: of people who would. You can't judge people for the

816
00:37:03,239 --> 00:37:05,279
Speaker 2: decisions that they're making because you don't know where they're

817
00:37:05,280 --> 00:37:06,080
Speaker 2: coming from totally.

818
00:37:06,080 --> 00:37:07,600
Speaker 4: And that's what I was going to say before, is that,

819
00:37:07,719 --> 00:37:09,920
Speaker 4: like some people literally just don't have a choice, Like

820
00:37:09,960 --> 00:37:11,960
Speaker 4: we just don't have the option. We just have to

821
00:37:12,000 --> 00:37:13,640
Speaker 4: do it. And that's where that's kind of a job

822
00:37:13,680 --> 00:37:15,880
Speaker 4: I'm sitting. I'm not saying that I would actively do it,

823
00:37:16,160 --> 00:37:18,040
Speaker 4: but some people just don't have a choice.

824
00:37:18,239 --> 00:37:20,400
Speaker 2: Yeah, but I think that's it. Like, and I mean

825
00:37:20,480 --> 00:37:22,360
Speaker 2: Jess and I are joking about haha, we'd get a

826
00:37:22,400 --> 00:37:24,479
Speaker 2: million dollars a year, like you, I can be bought.

827
00:37:24,920 --> 00:37:26,680
Speaker 2: We can all joke about that, but at the end

828
00:37:26,680 --> 00:37:27,759
Speaker 2: of the day, there are going to be a lot

829
00:37:27,760 --> 00:37:29,320
Speaker 2: of people in our community who are like the I

830
00:37:29,400 --> 00:37:30,879
Speaker 2: hate my job, but I live in a small town.

831
00:37:30,960 --> 00:37:33,160
Speaker 2: It's the only job I could get. Yeah, totally, Like,

832
00:37:33,360 --> 00:37:35,080
Speaker 2: I don't want to do it. I don't like my boss.

833
00:37:35,120 --> 00:37:37,680
Speaker 2: I think he is the worst person in the entire universe,

834
00:37:37,760 --> 00:37:41,319
Speaker 2: and I need the paycheck. Yeah, respect because that could

835
00:37:41,400 --> 00:37:41,839
Speaker 2: be hard.

836
00:37:42,080 --> 00:37:42,279
Speaker 1: Yeah.

837
00:37:42,600 --> 00:37:44,759
Speaker 2: We did ask the community, as always, we said what's

838
00:37:44,760 --> 00:37:47,239
Speaker 2: your two cents? What do you reckon? A lot of

839
00:37:47,320 --> 00:37:49,720
Speaker 2: you said, and I liked this, your job is separate

840
00:37:49,760 --> 00:37:51,719
Speaker 2: from you. Go in the money and leave your life.

841
00:37:52,320 --> 00:37:55,560
Speaker 2: Someone else said, I'm actually a criminal defense lawyer.

842
00:37:56,120 --> 00:37:58,880
Speaker 6: It's hard, perfect example, but go, it's.

843
00:37:58,880 --> 00:38:01,000
Speaker 2: Just work, and I know right from wrong at the

844
00:38:01,080 --> 00:38:03,640
Speaker 2: end of the day. That would be so hard being

845
00:38:03,719 --> 00:38:05,040
Speaker 2: a criminal defense lawyer.

846
00:38:05,120 --> 00:38:07,600
Speaker 6: I don't think I could do it. Like, that's a

847
00:38:07,680 --> 00:38:09,600
Speaker 6: line for me that I like. That's something that I

848
00:38:09,640 --> 00:38:12,000
Speaker 6: would find challenging. But I go, if that is working

849
00:38:12,040 --> 00:38:14,480
Speaker 6: for somebody else, like, go, queen, someone's.

850
00:38:14,160 --> 00:38:16,080
Speaker 2: Going, I've got mad to respect for people like that.

851
00:38:16,160 --> 00:38:19,080
Speaker 2: Imagine walking into a courtroom and being like, so I'm

852
00:38:19,160 --> 00:38:21,920
Speaker 2: here to actually defend this. I know he said that

853
00:38:22,000 --> 00:38:23,320
Speaker 2: he did it, but we're just going to try and

854
00:38:23,360 --> 00:38:25,080
Speaker 2: get him as light a sentence as possible.

855
00:38:25,880 --> 00:38:27,359
Speaker 4: I don't think I could do it. I don't think

856
00:38:27,400 --> 00:38:29,000
Speaker 4: I could do it. That's probably too much, because then

857
00:38:29,000 --> 00:38:30,239
Speaker 4: you have to like, oh, it's a whole thing, anyone.

858
00:38:30,239 --> 00:38:31,400
Speaker 4: I'm not going to get started. But I don't think

859
00:38:31,440 --> 00:38:31,880
Speaker 4: I could do that.

860
00:38:32,320 --> 00:38:35,600
Speaker 2: Exactly if possible, being part of the solution, you can

861
00:38:35,640 --> 00:38:38,120
Speaker 2: fix the problem from within. Yes, so I didn't realize,

862
00:38:38,160 --> 00:38:41,520
Speaker 2: you replied. Someone said, in this economy.

863
00:38:41,120 --> 00:38:44,080
Speaker 6: Sit down, totally totally valid.

864
00:38:44,600 --> 00:38:47,080
Speaker 2: Someone else said, please tell us more. We need to

865
00:38:47,160 --> 00:38:49,920
Speaker 2: know about the company. I know, but this is not

866
00:38:50,400 --> 00:38:50,880
Speaker 2: our place.

867
00:38:51,080 --> 00:38:53,080
Speaker 6: Sadly, it's a safe, an anonymous space.

868
00:38:53,520 --> 00:38:55,879
Speaker 2: Someone said, ill pass and it won't matter soon enough,

869
00:38:56,000 --> 00:38:58,399
Speaker 2: which I think is really nice. And then someone said,

870
00:38:58,440 --> 00:39:01,040
Speaker 2: if they made a statement about what they're intending to

871
00:39:01,160 --> 00:39:04,080
Speaker 2: do and change their ways, I'd stay as long as

872
00:39:04,160 --> 00:39:07,360
Speaker 2: they were making good on that. Yeah, I think that's important.

873
00:39:07,760 --> 00:39:10,760
Speaker 2: Someone else said, and I think that in this climate.

874
00:39:11,000 --> 00:39:12,920
Speaker 2: Like Jess and I went through a phase last year

875
00:39:13,000 --> 00:39:15,080
Speaker 2: when we were like, it's economy. Yeah, we kept saying

876
00:39:15,160 --> 00:39:17,440
Speaker 2: in this economy. But someone said, in this climate, it's

877
00:39:17,520 --> 00:39:19,400
Speaker 2: so hard to be able to stick to your values.

878
00:39:19,640 --> 00:39:22,160
Speaker 2: Pay cuts right now are really tricky, so moving jobs

879
00:39:22,239 --> 00:39:26,279
Speaker 2: might not be the best decision for you. Someone else said, look,

880
00:39:26,320 --> 00:39:28,520
Speaker 2: for a job that aligns with your values, but don't

881
00:39:28,600 --> 00:39:31,479
Speaker 2: leave immediately with nothing to go to, and then someone

882
00:39:31,520 --> 00:39:32,919
Speaker 2: else is going to leave it here because I could

883
00:39:32,960 --> 00:39:34,920
Speaker 2: go on and on. Someone else said I resigned on

884
00:39:35,040 --> 00:39:37,600
Speaker 2: day one of a job once after finding out how

885
00:39:37,680 --> 00:39:41,640
Speaker 2: badly the owners of the company were neglecting the WHS,

886
00:39:41,800 --> 00:39:44,040
Speaker 2: which is basically the health and safety standards.

887
00:39:44,160 --> 00:39:47,680
Speaker 6: I see, I've got a good story. Just please pa.

888
00:39:48,440 --> 00:39:49,840
Speaker 6: I don't think it's for the air though. This is

889
00:39:49,880 --> 00:39:50,359
Speaker 6: an off air.

890
00:39:51,239 --> 00:39:54,000
Speaker 2: Take this up off air because unfortunately we have run

891
00:39:54,040 --> 00:39:57,480
Speaker 2: out of podcast time. It has been a pleasure as always.

892
00:39:57,680 --> 00:39:59,680
Speaker 2: I feel like that's a nice place to leave it

893
00:39:59,760 --> 00:40:03,799
Speaker 2: as well. Beck enjoy the rest of Sydney and Birthday week.

894
00:40:04,080 --> 00:40:06,600
Speaker 2: I can guarantee that we will have a Peter's ice

895
00:40:06,640 --> 00:40:09,840
Speaker 2: cream cake few next week because won't be me bringing it.

896
00:40:09,960 --> 00:40:11,600
Speaker 2: Jess will be bringing it to the table because I

897
00:40:11,680 --> 00:40:13,480
Speaker 2: know she doesn't want to miss out on it. And

898
00:40:13,560 --> 00:40:16,360
Speaker 2: for everybody else, have a great weekend. There's a special

899
00:40:16,400 --> 00:40:19,080
Speaker 2: little episode. It's a bonus coming out tomorrow for you,

900
00:40:19,480 --> 00:40:21,880
Speaker 2: and we'll also see you write in early on Monday

901
00:40:22,120 --> 00:40:24,720
Speaker 2: for a money diary, So see as soon, guys.

902
00:40:24,920 --> 00:40:25,719
Speaker 4: Bye guys, hye.

903
00:40:31,600 --> 00:40:34,120
Speaker 2: The advice shared on She's on the Money is general

904
00:40:34,200 --> 00:40:38,040
Speaker 2: in nature and does not consider your individual circumstances. She's

905
00:40:38,080 --> 00:40:41,520
Speaker 2: on the Money exists purely for educational purposes and should

906
00:40:41,560 --> 00:40:44,720
Speaker 2: not be relied upon to make an investment or financial decision.

907
00:40:45,120 --> 00:40:47,560
Speaker 2: If you do choose to buy a financial product, read

908
00:40:47,600 --> 00:40:51,720
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

909
00:40:51,760 --> 00:40:55,040
Speaker 2: your needs. Victoria Divine and She's on the Money are

910
00:40:55,120 --> 00:41:00,160
Speaker 2: authorized representatives of money Shirper Pty Ltd ABN three two

911
00:41:00,239 --> 00:41:03,520
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912
00:41:03,719 --> 00:41:06,000
Speaker 2: f s L four five one two eight nine