Speaker 1: Hello, my name is Santasha Nabananga Bamblet. I'm a proud
Speaker 1: Order Order Kerney Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money cast Millennials
Speaker 2: who want financial freedom. Today, My friends, it's Friday, which
Speaker 2: means it's time to get Little Beck and Little Jess
Speaker 2: together and we're going to celebrate you how incredible She's
Speaker 2: on the Money community Today, Miss Jess Grici is going
Speaker 2: to be sharing her favorite money wins from the community.
Speaker 2: Becsied has a few very good broke tips to share.
Speaker 2: We're going to be helping to answer a juicy money dilemma,
Speaker 2: which this week is all about fears of a crashing
Speaker 2: stock market, and we're going to unpack something that you
Speaker 2: slid into our DMS about which this week we're talking
Speaker 2: about what to do when your job and your ethics clash. So, Beck,
Speaker 2: you've decided to work remote this week?
Speaker 4: Where are you?
Speaker 2: What are you doing and why are you doing it?
Speaker 5: Well, great questions all round. I am celebrating, as you
Speaker 5: as know, my birthday month, which means that I've can't.
Speaker 2: See she's on tour. It's the birthday tour.
Speaker 5: Tour exactly, the national tour exactly exactly. So I've come
Speaker 5: to see my family because they thought they could get
Speaker 5: out of cake presence because I live in Melbourne. Now
Speaker 5: they don't have to do it wrong.
Speaker 2: No, they do wrong.
Speaker 5: I'm here, I'm here and you better be bringing some
Speaker 5: good stuff to the table. So anyway, everyone, are we
Speaker 5: expecting here? What are the expectations? Is that homemade cake?
Speaker 5: Is it a cheesecake shop cake? Do we just want
Speaker 5: a Col's cake? Do we just want the attention?
Speaker 1: Like?
Speaker 5: What is it?
Speaker 6: So?
Speaker 5: I'm honestly a man of simple pleasures. I don't ask
Speaker 5: for that much, but I do want an original Peter's
Speaker 5: ice cream cake.
Speaker 4: Oh my god, that's just a shave. Yes, the fluffy
Speaker 4: white icing on ice cream on top is so good.
Speaker 5: Oh my goodness, I didn't know you liked that. I
Speaker 5: should have got that for you.
Speaker 2: When you're back for birthday month, we should have one.
Speaker 4: Ice cream cake. Everyone can buy one and eat it
Speaker 4: with us live next Friday.
Speaker 2: Oh okay, I'm in, I'm in. I like that. You're
Speaker 2: a man of simple pleasures. My dad is also a
Speaker 2: man of simple pleasures. Whenever it's his birthday. Do you
Speaker 2: know what cake he asks for?
Speaker 4: Is it a Wooli's mud cake?
Speaker 2: No, it's better. It's a chocolate ripple cake.
Speaker 6: Every true.
Speaker 2: Like he's just like the cream and the chocolate Reppele biscuits. Like,
Speaker 2: don't put anything on it though, Like it is a
Speaker 2: disgrace to him if you put like a peppermint slice
Speaker 2: or something on top. Absolutely not.
Speaker 4: He's a man of simple play.
Speaker 6: Yeah.
Speaker 2: Like chocolate Pripple cake. That's almost cheaper than it Coles
Speaker 2: mud Cake, I reckon it. Colls Mud Cakes? What like
Speaker 2: five bucks? Now?
Speaker 1: No?
Speaker 2: Absolutely not. Yeah, the ripple cake definitely cheaper money.
Speaker 6: There you go.
Speaker 5: It's actually broke tip because it's extremely cheap. But yes,
Speaker 5: of course true inflation it's true the three Eyes.
Speaker 2: I love this so dex on tour. Miss Jessicataci, you're
Speaker 2: here but not on tour. Thank you for that logistical nightmare.
Speaker 2: If we're honest, if more than one of us has
Speaker 2: left the studio. So, how's your week been.
Speaker 4: It's been good. I haven't done anything super exciting. I
Speaker 4: don't think this week, just sitting up home. I bought
Speaker 4: my first Halloween.
Speaker 2: It started early. Wow, it's August.
Speaker 4: Yeah, I know, but they're releasing all the cute stuff already,
Speaker 4: and so it's like one of these things you have
Speaker 4: to get it or itself. I like, I'm a you
Speaker 4: don't realize this week? Actually I am a victim. Oh
Speaker 4: you are, because all the takes is one person.
Speaker 2: Have you only just realized this?
Speaker 6: Yeah?
Speaker 2: Kind of Oh wow.
Speaker 4: Do you know what it was that like tipped me over?
Speaker 1: Is?
Speaker 2: I was watching you were watching tiktoks, So would you
Speaker 2: like to reframe it too? I was reading an article
Speaker 2: because that's what I do when i've I feel like
Speaker 2: I've exhausted my quota of I saw on tiktoks that week.
Speaker 4: I was watching a TikTok and someone was they were
Speaker 4: doing a sponsored post like it was clearly disclosed that
Speaker 4: that should be sponsored post for like alkaline infused water.
Speaker 4: And for a moment, I was like I should buy that.
Speaker 4: That'll make me healthy, like water is free from the tap.
Speaker 4: I originally it's like they just sucked me, convinced me.
Speaker 4: And I it was in that moment that I was like,
Speaker 4: oh my god, ess like snap.
Speaker 6: Out of it.
Speaker 2: I feel like that is that is a lot yess.
Speaker 2: The water nearly got her. I mean I used to
Speaker 2: be a victim of the Fiji water. Like back when
Speaker 2: I was in school, all the cool kids had Fiji
Speaker 2: water and I desperately wanted that. It makes no sense,
Speaker 2: it's water. And then also have you seen the new
Speaker 2: marketing And I don't know if like this is a
Speaker 2: bad thing to say on it, but there's a company
Speaker 2: promoting hydrogen water. Oh maybe that's what it was. Hydrogen water. Yeah,
Speaker 2: but like it's called H two O because there's already
Speaker 2: two hydrogens per oxygen molecule in water, Like how can
Speaker 2: you hydrogen the water more? And this is the thing,
Speaker 2: is the comprehendible.
Speaker 5: Also why what's the benefit?
Speaker 2: I don't know, but like there's already hydrogen more.
Speaker 5: Actually kind of curious.
Speaker 2: They're like, get some hydrogen in all water back. Yeah,
Speaker 2: I don't get the hydrogen water. If someone wants to
Speaker 2: slide into my DMS and educate me, I will happily
Speaker 2: correct myself on air next week. But yeah, till then,
Speaker 2: I am much a confused though.
Speaker 4: Yeah, and I have learned that I need to put
Speaker 4: twenty four hours between me and my spending and maybe
Speaker 4: sometime to out myself on air to realize how embarrassingly
Speaker 4: big of a sucker.
Speaker 2: I love that.
Speaker 4: I love that.
Speaker 2: So next week on She's on the Money, we'll be
Speaker 2: doing brogue tips, money wins, and also health tips from Jess. Yes,
Speaker 2: let's get the She's on the Money community wins out
Speaker 2: of Jess though, because those are definitely worth it, unlike
Speaker 2: hydrogen water.
Speaker 4: So what have you got to bring to the table
Speaker 4: this week? I've got some goodies this week. Firstly, a
Speaker 4: simple one but one we should all be doing from
Speaker 4: Christina got water for free out of the tap I
Speaker 4: thought no. Christina said she googled the brand she was
Speaker 4: buying from a discount code. She found a twenty percent
Speaker 4: off code. Within about three seconds, She said she saved
Speaker 4: herself fifteen bucks and you'd be crazy not to do it.
Speaker 2: Always do that, and I'm always giving free credit to
Speaker 2: influencers who have posted their totally their discount codes online.
Speaker 4: Yeah, I have no issue with you getting your little
Speaker 4: kick You.
Speaker 2: Can get your kick back. I don't know who you are,
Speaker 2: Molly one o one, but I've just used your code,
Speaker 2: got a discount and we're all happy here.
Speaker 4: Yeah. Just trying all the generic basic names plus ten
Speaker 4: plus twenty yees sorry ten Black Friday ten.
Speaker 2: Yeah, I have tried just ten, just twenty five. Neither
Speaker 2: of those of works. Welcome back is a good one.
Speaker 4: Welcome back is the right one. Yeah, so very good
Speaker 4: reminder for Christina. Next, I've got money in from Rebecca,
Speaker 4: who said money win. I entered my dog in a
Speaker 4: competition and she won overall and we got heap of
Speaker 4: prizes that were worth more than the entry feel what competition,
Speaker 4: I don't know. She said. Dog sports are apparently a hobby,
Speaker 4: so I'm assuming maybe the dog was doing something athletic.
Speaker 4: But Rebecca did give us a picture of said dog.
Speaker 4: Can I weady with the prize?
Speaker 2: Go look at all of his ribbons?
Speaker 5: Wait a minut ah, I can see that's very cute he's.
Speaker 2: Got like, not only has he got like a prize pack,
Speaker 2: he's like sitting in the middle of his prize pack.
Speaker 2: He's got an orange monkey toy in a blue too can.
Speaker 2: He's got like a slow feeder mat and all of
Speaker 2: these like little doggie like ribbons.
Speaker 4: He's absolutely slaying. Well stand reback about se one. If
Speaker 4: you want to see the picture, check out the thread.
Speaker 4: And we've had a few people dms on Instagram this
Speaker 4: week saying where do I send my money Wins VD
Speaker 4: puts a thread in the Facebook group every week, so
Speaker 4: if you're not in the Facebook group, go join.
Speaker 2: And also there's actually an unwritten rule in that money
Speaker 2: Wins thread, and that is, if you're going to mention
Speaker 2: your pet, you need to be paying pet tax, which
Speaker 2: is actually the tender is actually a photo of your
Speaker 2: pet that needs to accompany that post exactly. Yeah, so
Speaker 2: don't post about your pets unless you're actually going to
Speaker 2: show us your pets.
Speaker 4: Yes, Recca's paid a tax up for the year. Well done. Next,
Speaker 4: I've got a money win from Alone who said life win.
Speaker 4: I recently invested in the Kmart glass containers and they're
Speaker 4: really really good. They keep everything super fresh. And she
Speaker 4: now has five that she keeps on rotation and her
Speaker 4: produicy is lasting a lot longer than it did when
Speaker 4: she was using plastic containers.
Speaker 2: I feel like good research into how to get your
Speaker 2: produce to last longer is well worth.
Speaker 4: It completely, and the came out ones are really affordable.
Speaker 4: I have a heap that I bought years ago from
Speaker 4: it and they're still going strong, but they came up.
Speaker 4: One's much cheaper, So money win, very big money win.
Speaker 4: From Lauren. Next, I've got one from Julia who said
Speaker 4: she paid off her iPhone and she's going to keep
Speaker 4: it so now she's paying forty dollars less per month
Speaker 4: phone bill.
Speaker 2: Money win. That's a lot of money that allowed up
Speaker 2: over time too completely. My question is, though, what are
Speaker 2: you doing with that forty dollars? You're just letting it
Speaker 2: go into your account or investing it or are we
Speaker 2: saving it, like do something automated with it.
Speaker 4: Yeah, that's a good idea, all right. Next, top money
Speaker 4: in from Leah who entered a bake sale contest. There's
Speaker 4: a bit of a thing this week, lots of people
Speaker 4: entering things which I love. And she paid twenty six
Speaker 4: dollars in ingredients and to her great surprise, she won
Speaker 4: got a two hundred and fifty dollars restaurant voutcha, which
Speaker 4: oh more than covers teme.
Speaker 2: Can we have a Shes on the Money bakesale?
Speaker 4: That would be very wholesome.
Speaker 2: I feel like we should. Beck will organize that you
Speaker 2: work a day you're in. We'll do it on like
Speaker 2: a day that we come in to record the podcast.
Speaker 2: Can we actually we will sell our goods.
Speaker 4: Yeah, go desk to desk.
Speaker 5: Yep.
Speaker 2: We'll put our little stool out front of the podcast
Speaker 2: studio and people can come buy our muffins.
Speaker 6: One.
Speaker 2: There'll be a competition to see who sold out first,
Speaker 2: and then to we can donate the money into charity.
Speaker 4: It's giving lemonade stand. It's giving it adult lemonade stand
Speaker 4: very into it. Lastly, this week, speaking of lemonade, I've
Speaker 4: got money win from and who said she arrived at
Speaker 4: Buddings to buy some fruit trees yesterday and they were
Speaker 4: marking them down to half price, so she will buy
Speaker 4: Can I have one?
Speaker 1: I know?
Speaker 4: She wore apple, peach, nectarine, cherry, two plumps, apricot and
Speaker 4: almond trees for only twenty five to thirty dollars A true.
Speaker 2: Okay, So where are you putting all of these trees? Miss?
Speaker 2: I have space?
Speaker 4: Yeah, that's a lot of trees.
Speaker 2: That's a lot of trees. Also almond tree, Yeah, what
Speaker 2: does that look like?
Speaker 4: I know that almonds come from somewhere, it just never
Speaker 4: occurred to me that it was a tree.
Speaker 6: No.
Speaker 1: Same.
Speaker 5: I only just learned that cashews come the very unnecessary
Speaker 5: pair looking thing. Have you guys seen a cashew dress?
Speaker 2: I know, so, Jessica is probably gonna be mind blown here.
Speaker 2: Peanuts come from the ground. They dug up like potatoes,
Speaker 2: right like in what Oh they come in the nuts.
Speaker 5: They come in those sorts.
Speaker 4: See, I thought peanuts were on trees dug up.
Speaker 2: Also another fun fact, dates, which when I was pregnant,
Speaker 2: you saw me consume a lot of turns out they
Speaker 2: did nothing. Emergency ces are and one out of ten
Speaker 2: cannot recommend they grow on palm trees.
Speaker 4: Aren't they just like dried plums?
Speaker 2: No, that's a brune trees where dates come from?
Speaker 4: Ess Wow, I need to go do like an educational
Speaker 4: session in the Woolies project section because I got no idea.
Speaker 2: Look I'm here. I also recently learned on TikTok again,
Speaker 2: so this has become she's on TikTok not she's.
Speaker 1: On the money.
Speaker 2: You can eat un almonds and it's like a delicacy
Speaker 2: and a lot of cultures and I really want to
Speaker 2: try them. So if anyone knows where I can purchase those,
Speaker 2: please slide into my dams and let me know, because
Speaker 2: apparently it's coming up to uncooked almond season.
Speaker 4: She got Bunnings by half Trees by the Trees, a
Speaker 4: very new straight from the sauce.
Speaker 2: I love this all right, Jess. Were they all your
Speaker 2: money wins this week?
Speaker 4: That's all I've got?
Speaker 1: Loved them.
Speaker 2: We've learned a lot. Every day is a school day.
Speaker 2: It turns out, Beck, what have you got when it
Speaker 2: comes to broke tips?
Speaker 5: Okay, so no entering competitions on my end, but I
Speaker 5: am really impressed. It kind of feels like we're living
Speaker 5: in like the olden days, old timey days. There's really cute,
Speaker 5: really wholesome cottage corps. My first broke tip comes from Wibby,
Speaker 5: who says that she was walking around the QVB the
Speaker 5: other day and she had a bit of time to
Speaker 5: kill and often they have those little pop up hair
Speaker 5: tall styling stalls. So she killed fifteen minutes, got her
Speaker 5: hair curled, and she knows it's dice and does this
Speaker 5: too occasionally with their air rap via know you love
Speaker 5: an air rap for no air wraps and no cost
Speaker 5: Like that is wild. So she walked away feeling guilt free.
Speaker 2: That's a money win, not just a broke tip. You've
Speaker 2: doubled down here totally.
Speaker 5: It's in everything tip. Like that's really smart. But I
Speaker 5: always says before too. But like if she pair that
Speaker 5: with a Maya visit and just got a bunch of
Speaker 5: perfume samples.
Speaker 2: Oh, she'd be looking good and smelling fresh.
Speaker 5: That's shit. That's really what we need, and it's free
Speaker 5: for you love.
Speaker 2: We love that genius. Good one from you, Lyuby, Thank
Speaker 2: you Libby.
Speaker 5: The next one comes from two. This one is about lemons. Lemons, lemons, lemons.
Speaker 5: So there's so many things you can do with lemons,
Speaker 5: and I'm sure that a lot of these people have
Speaker 5: tried already, but I'm just gonna read them out in
Speaker 5: case you have it. So juice the lemon, freeze them
Speaker 5: in ice trees so you can use them at a
Speaker 5: later date. Extremely healthy and full of vitamins amazing. Dry
Speaker 5: the lemon peels to make homemade pot pury. I don't
Speaker 5: actually know what that is, pope pura pop pure pop
Speaker 5: pop pourri po pourri hopurrie.
Speaker 2: Yes, I like that. We got there finally together.
Speaker 4: It's like the nice smelling stuff that you have in
Speaker 4: a bowl or something in it.
Speaker 5: Yeah, and toilet Yeah, I mean I've literally never seen
Speaker 5: it before. I've never felt a need for it, but
Speaker 5: I'm gonna try it anyway. May as well.
Speaker 2: I love this.
Speaker 5: I love it's a zesty smell and keeps the bugs away.
Speaker 5: That's incredible. Put a few slices of lemon in your
Speaker 5: kettle and boil them to get rid of lime scale.
Speaker 5: You can make homemade Yeah, that's smart. That's a good one,
Speaker 5: really really good stuff. You can make homemade antiseptic spray
Speaker 5: with lemon juice, vigar bike up so I drop it,
Speaker 5: eucalyptus oil and clean your wooden chopping boards.
Speaker 6: Yeah.
Speaker 5: I think that's not everything you can do with lemon,
Speaker 5: but those are a few things you can do with lemon.
Speaker 2: You can do so much with lemon, like and use
Speaker 2: the whole lemon as well, totally use the zest use
Speaker 2: the peel like, Ah, it's so.
Speaker 5: Gorge totally, totally so my broke tip.
Speaker 2: Oh you've got one as well? Where does it come from?
Speaker 2: This week back?
Speaker 5: Genuinely myself, But I don't know if you guys are
Speaker 5: gonna love this one. I don't know how useful it's
Speaker 5: going to be for you, but it will be used
Speaker 5: full for other people. I know that full strength.
Speaker 2: We're ready, So we're ready.
Speaker 4: Obviously.
Speaker 5: I had a house party on the weekend that passed,
Speaker 5: and I always get really stressed about parties because I'm like, yeah, a.
Speaker 2: House party, it's not in my vocabulary. No, that's not
Speaker 2: happening at my house. Chess, you can come to my house,
Speaker 2: then someone else can come over, Like we're not over
Speaker 2: capitalizing on people in my property. A house party is
Speaker 2: not an option.
Speaker 4: Yeah that seems fair.
Speaker 2: Fair dinner party. I'm out for that.
Speaker 4: Sure, Yeah, freeze party.
Speaker 2: Maybe I'd have to have that many friends.
Speaker 5: They all tend to cost a lot of money, basically,
Speaker 5: is the point. And I was really worried. I always
Speaker 5: get really stressed around party time because I'm like, everything
Speaker 5: you do, you don't even think of things like snacks.
Speaker 5: You gotta buy chairs, you gotta buy fairy lights before
Speaker 5: you know it so they can stand yeah, well that's it. Well,
Speaker 5: but also, like you know, music, everything, everything's so expensive anyway,
Speaker 5: So my tip is go on to your local. This
Speaker 5: is probably more of a melbourneing. I I know that
Speaker 5: Sydney has this, and when I lived here before it
Speaker 5: didn't feel very communal. I don't think there's a Sydney version,
Speaker 5: but there might be. I could be wrong.
Speaker 2: There might be. And if there is, slide into my
Speaker 2: damns and that can share it with yes please.
Speaker 5: But in Melbourne we have good carma networks and so
Speaker 5: I'm even though I don't live there anymore, I'm still
Speaker 5: part of the bronze with good carbon network. And then
Speaker 5: there's fitz Roy everywhere and you can just jump on there.
Speaker 5: I jumped on and it was like literally an hour
Speaker 5: before my party started, and I was like, does anyone
Speaker 5: have milk crates? I just need milkrates because I need
Speaker 5: people to sit down, because I only had four seats
Speaker 5: in the whole house. And so someone was like, I
Speaker 5: have a bunch of milk crates. I don't need them back,
Speaker 5: just take them money. When before I knew it, everyone
Speaker 5: had a seat, everyone had a little place to rest
Speaker 5: their hat, and I didn't take a single sense. So
Speaker 5: just jump into your local good Carmen at work or
Speaker 5: whatever your equivalent is, and ask for fairy lights that
Speaker 5: you can just borrow them. Ask to borrow them, seats, ice, buckets, ice, firewood, anything, anything, anything.
Speaker 2: I love that I do have to ask, what are
Speaker 2: you doing with the milk crates?
Speaker 5: They will forever sit in a very inconvenient spot. They
Speaker 5: will forever be a new sense.
Speaker 2: But honestly they were free.
Speaker 5: Next house party we have and someone else will probably
Speaker 5: post a similar thing in the future, and I'll.
Speaker 4: Be like, is gonna say, surely you passed them along?
Speaker 5: Exactly? I've got some milk crates for your I.
Speaker 2: Also have another question, if I may be, of course,
Speaker 2: how did you transport.
Speaker 4: The milk crates?
Speaker 1: Oh? Just in my car?
Speaker 5: Is he easy?
Speaker 2: How many milk crates fit in a car?
Speaker 6: Wait?
Speaker 4: I want to guess.
Speaker 2: I want to get I want to guess in game.
Speaker 2: It's a game, es how many milk crates fit in
Speaker 2: a car?
Speaker 4: I'm going to go fifteen.
Speaker 2: How many milk crates did you get in total?
Speaker 5: So I actually didn't get that many this time around,
Speaker 5: but I have in the past filled my car, so
Speaker 5: I do know the number and.
Speaker 2: Oh she knows es, oh twenty? How many fit in
Speaker 2: the car deck?
Speaker 5: From memory, it was like eighteen and I have a
Speaker 5: small cards. I have a very small car. You guys
Speaker 5: have seen my car.
Speaker 4: Eight I was envisioning my carrier and trying to picture
Speaker 4: how many I gets.
Speaker 5: Duck, Yes, it's probably similar size.
Speaker 2: I love this so good Calma Networks. That is actually
Speaker 2: a really good thing. Beck. I know that you said
Speaker 2: it was for house parties, but even if you're like
Speaker 2: furnishing a house, like check out those platforms because you
Speaker 2: could get a money.
Speaker 5: In exactly exactly. So I love Have you enjoyed that one?
Speaker 1: That one?
Speaker 2: All right, we're going to go to a really quick
Speaker 2: break on the flip side. We're going to be talking
Speaker 2: about what to do if you're fearful of a crashing
Speaker 2: stock market, and then we're also going to be talking
Speaker 2: about what to do when your job and your ethics clash.
Speaker 2: So don't go anywhere, guys, Welcome back, everybody.
Speaker 4: Let's take a listen to this week's money dilemma.
Speaker 2: Hi, there, have you got a money dilemma you just
Speaker 2: can't solve? The Sheese on the Money team is here
Speaker 2: to help. Every week, we tackle your dilemmas, both big
Speaker 2: and small, to answer your most burning money, career and
Speaker 2: life questions. To get involved, simply head to our website
Speaker 2: and leave us a short voice recording and you might
Speaker 2: just find yourself on the show. Now, let's take a
Speaker 2: listen to this week's money dilemma.
Speaker 6: I'm a late twenties gal and I've been interested in
Speaker 6: investing to try and boost some of my future incomes.
Speaker 6: But whenever you think of investing, you think of things
Speaker 6: like stock markets and the massive risk of crashing and
Speaker 6: losing millions of dollars rather than safe investments. And wasn't
Speaker 6: sure where to begin. Have listened to the podcast for
Speaker 6: a long time, try to do some of my own research,
Speaker 6: but find I keep getting stuck on this idea of
Speaker 6: investment equals either property or stock market, which is a
Speaker 6: dangerous game. And wasn't sure there too. Because thanks for
Speaker 6: the advice.
Speaker 2: Very timely, Because Beck, what did we just record?
Speaker 5: We I want to you can't remember, No, No, I
Speaker 5: want to keep the magic alive and be like, we
Speaker 5: record this in two different days. But we did just
Speaker 5: record an episode about annalysis, paralysis.
Speaker 2: And how you get overwhelmed once you start doing too
Speaker 2: much research and understanding it. But I feel like this
Speaker 2: is a good time to remind you that it totally
Speaker 2: feels like risk because you are taking risk, but it's
Speaker 2: a relatively calculated risk. And what you have on your
Speaker 2: side is time. And the important thing when it comes
Speaker 2: to the share market is actually how much time you
Speaker 2: spend inside the share market, right, And we know two
Speaker 2: things to be true when it comes to the share market.
Speaker 2: I'm probably going to list off more than two things,
Speaker 2: so just don't hold me to account to my own words.
Speaker 2: So the first is that if you take any thirty
Speaker 2: year period in time over the history of the Australian
Speaker 2: Stock Exchange and to have a look at that thirty
Speaker 2: year period, not one person has lost money if they
Speaker 2: stayed invested. So we know that if you stay invested
Speaker 2: for the long term, investors like long term investors, always
Speaker 2: come out as winners. We also know to be true
Speaker 2: that the share market over your entire lifetime or the
Speaker 2: average Australian lifetime, is going to have seven market dips,
Speaker 2: so seven times you are going to log into your
Speaker 2: profile and see that the market has crashed. So the
Speaker 2: biggest one that we saw in I guess more recent
Speaker 2: times was the global financial crisis, which happened in two
Speaker 2: thousand and eight, and obviously, if I showed you a graph,
Speaker 2: we have more than recovered from that. But what happens
Speaker 2: during a time of dip is people freak out right,
Speaker 2: and we're seeing that literally this week because the market
Speaker 2: is off and there has been an absolute dip in
Speaker 2: the market and people go, oh, my gosh, my investments
Speaker 2: are worthless money. Should I be selling Jess? And the
Speaker 2: answer is often no, because we need to ride that out.
Speaker 2: We don't want to crystallize our loss, which means we
Speaker 2: sell at a price that is much less than what
Speaker 2: we paid for it because we're scared. And what happens
Speaker 2: over time, if you are a consistent investor is you
Speaker 2: would stay invested and your money would recover, if not double.
Speaker 2: And we know because of the rule of seventy two,
Speaker 2: which I probably should do an entire podcast on, because
Speaker 2: I feel, like I've said on the podcast so many times, like, oh,
Speaker 2: because of the rule of seventy two, people are like, yeah,
Speaker 2: okav Ha was that we probably should deep dive into that.
Speaker 2: But essentially The crux of that rule is that money
Speaker 2: will double every seven to ten years, and so we
Speaker 2: know that over the long term, if you're investing in
Speaker 2: the Australian share market, guys, your money should double over
Speaker 2: that period of time. But what we need to have
Speaker 2: on our side is time. We also know that the
Speaker 2: media sensationalizers loss. Jess, would you like to read an
Speaker 2: article on, you know, my share portfolio? Probably not because
Speaker 2: it's boring. It was up last year and that was great,
Speaker 2: but there's nothing to write home about because my plans
Speaker 2: for that portfolio are that over the next thirty years
Speaker 2: makes me rich. If that's the plan, I don't want
Speaker 2: it to be sexy. I don't want it to be notable.
Speaker 2: But you know what's notable when somebody invests all their
Speaker 2: money and then loses it.
Speaker 4: Yeah, they want like the clickbait story.
Speaker 2: We literally had my friend Tracy Hall on the podcast
Speaker 2: the other day to talk about how she lost three
Speaker 2: hundred and seventeen thousand dollars to a scam artist, because
Speaker 2: that is great content that we can learn from. People
Speaker 2: are genuinely more interested in engaging in content that ignites
Speaker 2: our emotion than we are in engaging in content that's like, oh,
Speaker 2: so you're doing well. That's nice.
Speaker 4: Yeah, Like no one cares.
Speaker 2: So I think when we're looking at it, and going
Speaker 2: back to our listener question, you're worried about it because
Speaker 2: you would hear stories because the media perpetuates those stories.
Speaker 2: But if we look at the reality of the situation,
Speaker 2: if you have time on your side, investing is a
Speaker 2: no brainer.
Speaker 4: And dips are often an opportunity to get ahead, like
Speaker 4: the Diepy mention this week. I literally this morning chucked
Speaker 4: extra money in mind did you.
Speaker 2: I am so proud of you.
Speaker 4: My normal ETF is like a little bit off, like
Speaker 4: six seasons down from where it was last time I
Speaker 4: bought her.
Speaker 2: So you're telling me that you invested during a dip
Speaker 2: and you were like, oh, this is an opportunity for
Speaker 2: me exactly.
Speaker 4: Like, which is not always the case. Not financial advice obviously,
Speaker 4: but like if that's something, but you're seizing.
Speaker 2: An opportunity that you have identified for yourself, and we
Speaker 2: don't know what you're investing in all how that works.
Speaker 2: It's actually not of our business. But I think it's
Speaker 2: important to understand that mindset is really important. And Jess,
Speaker 2: you've been investing for a number of years now, which
Speaker 2: is really cool. And I know that the first year
Speaker 2: we were kind of like laughing. We were laughing at
Speaker 2: your dividends. You're laughing about dividends because we're like, ha
Speaker 2: ha ha, I made fifty cents. I'm going to be rich.
Speaker 2: But are you starting to see the fruits of your
Speaker 2: labor a little bit?
Speaker 4: I think more than anything, it's just nice to see
Speaker 4: it like growing overall, Like, even with the dip, my
Speaker 4: portfolio is still up about I think seven percent or something,
Speaker 4: which is okay, and I like, I'm not doing anything fancy,
Speaker 4: like I'm investing primarily in one year.
Speaker 2: You must have had a really good financial advisor.
Speaker 4: Yeah, imagine that.
Speaker 2: Wow, it's so sad she's retired now. Oh, I'm so sorry.
Speaker 2: That's a good question. I feel like, you know, at
Speaker 2: the end of the day, analysis paralysis comes into this.
Speaker 2: And then also on that episode, Beck, you and I
Speaker 2: Beck were talking about the worst thing that's never happened
Speaker 2: to you and how we often all jump to the
Speaker 2: worst possible conclusion and it's important, like we want to
Speaker 2: weigh up our risk, we want to talk about what
Speaker 2: could possibly happen, but maybe ask yourself the question of like, well, Jess,
Speaker 2: what's the worst thing that's never happened to you? And like,
Speaker 2: what you've made up in your mind is often worse
Speaker 2: than the reality of the situation, And keep.
Speaker 4: An eye out for that episode.
Speaker 5: Yes, so soon, good shout.
Speaker 2: All right, let's get into some spicier content because this
Speaker 2: week we got a DM from you guys, and it's
Speaker 2: all about what to do when your job and your
Speaker 2: ethics are clashing. Alright, are you ready?
Speaker 6: Ready? Hi?
Speaker 2: Sheeeese. On the money, I'm having a big moral to lever.
Speaker 2: I have a job that I absolutely love. It pays
Speaker 2: really well, the team is amazing, and I genuinely enjoy
Speaker 2: the work that I do. However, recently the company has
Speaker 2: been in the news for engaging and behaviors that totally
Speaker 2: clash with my values. It's reached a point where some
Speaker 2: people I respect have refused to work with us because
Speaker 2: of it. Feeling super conflicted, I don't want to be
Speaker 2: a part of something that doesn't align with my principles,
Speaker 2: but I also don't want to give up a job
Speaker 2: that's been so amazing, and if I go elsewhere, I'm
Speaker 2: probably gonna have to take a pay cut. I'm really
Speaker 2: struggling with this. What would you do?
Speaker 4: I want the tea?
Speaker 2: I M very disappointed you didn't DM me the company
Speaker 2: you work for, Like, what was the client that wouldn't
Speaker 2: work with you?
Speaker 5: Like we need to know can we take google it?
Speaker 5: I think we could probably google it with a few
Speaker 5: key words.
Speaker 2: Yeah, one hundred percent, but we're not going to do that.
Speaker 2: We're not going to do that.
Speaker 5: We're not going to do that. But I just feel like,
Speaker 5: like big companies, not all like I don't want to
Speaker 5: say all hashtag not all companies, but I feel like
Speaker 5: if we did try and google it, the like like
Speaker 5: we just be flooded with news because there'd probably be
Speaker 5: heaps of options exactly, which makes you think like a
Speaker 5: lot of companies are like this, and like, you know,
Speaker 5: I don't want to obviously point things on name names,
Speaker 5: but I've definitely worked in some companies that I feel
Speaker 5: like my values don't feel line with their overall kind
Speaker 5: of like I don't know what they've been doing behind
Speaker 5: the scenes. Some companies are a little bit corrupt, of course,
Speaker 5: like some management styles are really really awful, and some
Speaker 5: people in higher places aren't.
Speaker 2: The best people sometimes.
Speaker 5: And I did read a book about psychopaths in kind
Speaker 5: of like I'm really jumping here, but psychopaths in like
Speaker 5: higher positions. John ronson psychopath It's a really good book.
Speaker 5: You kind of just know that sometimes people who are
Speaker 5: a little bit morally corrupt can climb their way to
Speaker 5: the top just by stepping out other people. So it's
Speaker 5: not unheard of that companies kind of can get themselves
Speaker 5: into like a bit of hot water, just basically because
Speaker 5: sometimes the right people aren't really running or driving the ship,
Speaker 5: if that makes sense. So it's probably going to be
Speaker 5: hard to find a company that is completely unscathed and
Speaker 5: completely morally sound in its entire But that's not to
Speaker 5: say like if there's something that's it's really hard to
Speaker 5: without all the Jews, it's really hard to say, but yeah,
Speaker 5: I need, yeah, I guess, like going off what we
Speaker 5: have here, if it's something that's so bad that you
Speaker 5: don't think if you could kind of boil the whole
Speaker 5: company down into one person, if you're like, all that's
Speaker 5: so bad that i'd need I would cut this person
Speaker 5: out of my life, then maybe look elsewhere. But if
Speaker 5: it's like I don't know, I don't know, this is
Speaker 5: probably really bad advice because it might have been really
Speaker 5: bad what they're talking about. We don't know, we don't know.
Speaker 4: Yeah, reckon, I agree. I think the context. You know,
Speaker 4: it's one thing, is the company being done for like
Speaker 4: poor business practice or you know, things that it sounds bad,
Speaker 4: but I think it's going to very person to person.
Speaker 4: But there are certain moral ethical things that may sit
Speaker 4: better or worse with you as an individual. So like,
Speaker 4: for example, if they've misspaying everyone super like do it?
Speaker 4: I like morally disagree with that. Obviously they're gonna have
Speaker 4: to pay it back. Verse is are they, you know,
Speaker 4: part of some ring of corruption that's doing Yeah, really
Speaker 4: horrible humanity.
Speaker 2: That's where my brain's going, right, because I think that
Speaker 2: there are ethical dilemmas that you can easily avoid, Like Jess,
Speaker 2: would you like to work for an oil company? Yeah,
Speaker 2: and you go no, I don't because I don't want
Speaker 2: to work for that company. But then on the flip side,
Speaker 2: this sounds like it's something that she didn't know about
Speaker 2: that has come about.
Speaker 4: And is now in the media. Yes, I agree completely,
Speaker 4: So you know there's that to take into account. I
Speaker 4: guess the severity of it and where on your personal
Speaker 4: scale of morals that problem sits. I think, like the
Speaker 4: big thing of note for me here is that you
Speaker 4: said you love your job, it pays you well, you
Speaker 4: work with great people. That is very very hard to
Speaker 4: find in a job, and.
Speaker 2: I still hasn't found it back, still.
Speaker 4: Searching, just kidding.
Speaker 5: Almost all those boxes are ticked, but certainly not the
Speaker 5: people that you work with.
Speaker 4: Yeah, so if you were to go to another company,
Speaker 4: there's a very high chance that okay, you would maybe
Speaker 4: be more morally aligned with all of their choices or
Speaker 4: all of their choices to your knowledge, but maybe the
Speaker 4: pace shit, or maybe the people are awful. Like it's
Speaker 4: very hard to tick, as you're saying back, like all
Speaker 4: of those boxes, And I guess it's about weighing up
Speaker 4: what's important to you. If there's a big ethical issue,
Speaker 4: I would also argue, especially if it's in the media,
Speaker 4: change should be about to happen, you know, again, depending
Speaker 4: on what the problem is. If it's the kind of
Speaker 4: thing that clients are refusing to work with you, that
Speaker 4: means that there's like a systemic issue within this company
Speaker 4: that needs to be addressed and for the company to continue,
Speaker 4: for them to continue to succeed. Theoretically that needs to
Speaker 4: be resolved. So hopefully change is on the horizon.
Speaker 2: And hopefully it's just good pr for that company to go, Hey, Jess,
Speaker 2: we don't want to work with you right now, Like
Speaker 2: we just don't want to be dragged into this media storm.
Speaker 2: We don't want to work with you. And it's not
Speaker 2: actually personal. I think you're you're hitting the nail on
Speaker 2: the head. For me, it's actually about what are they
Speaker 2: planning on doing and how is that effectively being communicated?
Speaker 2: Because we know that when something hits the media, we
Speaker 2: work in media, we know that by the time it
Speaker 2: hits the media, it's such a small part of what's happening.
Speaker 2: So it might be like this big expose and you
Speaker 2: get all this information, but like did you know about
Speaker 2: it before? What was being hidden? Like what are the outcomes?
Speaker 2: What kind of interventions are happening in your workplace right
Speaker 2: now to deal with that? Like if there's a media
Speaker 2: shit storm, and then on the flip side, they're not
Speaker 2: saying anything internally at all that would make me feel
Speaker 2: so uncomfortable completely, like address it. Hit the nail on
Speaker 2: the head, like where are we going? What are we doing?
Speaker 2: Is it clients not working with you because they don't
Speaker 2: want to be involved in what's going on currently, Like
Speaker 2: what's the outcome going to be? Because I'm assuming it's not.
Speaker 2: Like I use the oil company as an example, I
Speaker 2: think because I'm an ex financial advisor and that was
Speaker 2: often something the clients didn't like. But if it's an
Speaker 2: oil company, like you might not want to work at BHP.
Speaker 2: Just yeah, But also you might have chosen to work
Speaker 2: at BHP because they actually have a really good grad program,
Speaker 2: They've got really good leadership development tools, like you kind
Speaker 2: of are using that as part of your path way
Speaker 2: to get into the career that you want to get into.
Speaker 2: So it's completely up to you how you deal with this.
Speaker 2: I would really struggle with it, and I know that
Speaker 2: you know the rest of my team would too. I
Speaker 2: think we're so ethically minded, like we are very black
Speaker 2: and white, Like there's not a lot of gray in
Speaker 2: what's right and wrong in our team. And I don't
Speaker 2: think that that's a bad thing. I think there's lots
Speaker 2: of room for gray in every other area. But like
Speaker 2: when it comes to not doing the right thing by
Speaker 2: your employees, I think all of us like, Nope, that's
Speaker 2: not on like there's no like, oh, it's okay if
Speaker 2: they just didn't notice, And I'm like, no, that's actually unacceptable, Like, yeah,
Speaker 2: I can't get past that. I think you need to
Speaker 2: have a think about, well, what's the outcome going to
Speaker 2: be twelve months from now? And you're right, Jess, like
Speaker 2: if you adore your job, it's also not your responsibility.
Speaker 4: So like if you.
Speaker 2: Weren't playing into this, then I think that that could
Speaker 2: be a conversation to have with your manager and going, well,
Speaker 2: I'm actually at an ethical crossroads? What's going on here?
Speaker 2: Like I don't really want to support this. I can
Speaker 2: always guarantee everyone else internally it doesn't want to either.
Speaker 4: Can you be a part of the change too? Again,
Speaker 4: depending on what it is, Like is it something that
Speaker 4: you know, if you say you really care about this
Speaker 4: job and the work that you're doing, Like, is it
Speaker 4: something that you're okay, great? Like I want to see
Speaker 4: a change or be the change? Like how do we
Speaker 4: as a team within this company facilitate a shift towards
Speaker 4: something that is more by the greater good? Exactly right?
Speaker 2: I like it. Well, it turns out this is actually
Speaker 2: more common than we thought it would be. Really forty
Speaker 2: one percent of the Sheese on the Money community have
Speaker 2: had an ethical concern about their workplace. Wow, forty one
Speaker 2: is a lot.
Speaker 5: I thought of you more, but I mean forty one.
Speaker 2: It is actually more because nineteen percent of people said
Speaker 2: yeah kind of, but it was actually only a small thing.
Speaker 4: Oh I see, okay, so like sixty seventy did you say, yeah,
Speaker 4: there you go seventy percent.
Speaker 5: Wow, that's so high sixty the MATI math.
Speaker 2: And then we asked our community as well. You work
Speaker 2: for a high paying job, but if the company's value
Speaker 2: is clashed with yours, would you do it? Jes see?
Speaker 4: This is a this is such your number.
Speaker 1: This is.
Speaker 4: If someone said to me, we'll pay you a million
Speaker 4: dollars a year, I would I work for v HP
Speaker 4: now and I would totally just be like great fight
Speaker 4: the man from the.
Speaker 2: Inside really well to do it true, Like this isn't
Speaker 2: on me. I feel like there's a point when your
Speaker 2: friends ask you be like Dave, it's not that deep.
Speaker 5: First of all, it's really risky that we're talking about.
Speaker 5: Is I want if in case any of our bosses
Speaker 5: be don't I don't think you have a boss, do you?
Speaker 2: She's the boss, so we're gonna break it to you
Speaker 2: now too.
Speaker 5: Also, you are my boss, so I just want you
Speaker 5: to know block your ears because me and Jess have
Speaker 5: a lot of things to say about this.
Speaker 4: But no, just kidding.
Speaker 5: I want any of my bosses and Jess's bosses. That's
Speaker 5: why I'm still here, not be to just know it's
Speaker 5: not them. But yes, I'm the I will probably I
Speaker 5: think I would still work for a kind of like
Speaker 5: a corrupt or, like a company that doesn't really morally
Speaker 5: align with me, which I know is crazy that here.
Speaker 2: First, misspec sayed, will work for a corrupt company if
Speaker 2: you pay her well.
Speaker 4: And again it's it's on the scale. It's not like, yeah,
Speaker 4: we're exploiting children or funding you like no, no, no, no,
Speaker 4: not here for that.
Speaker 2: But like if no, no, no, money makes the world
Speaker 2: go round.
Speaker 4: There's a little gray area. I know, we just said
Speaker 4: there's no gray but no, we.
Speaker 2: Asked our community and forty eight percent of you said no,
Speaker 2: my values are too important. That's really good. Okay, you said, yeah,
Speaker 2: the money matters. It does. Yeah, Like, at the end
Speaker 2: of the day, money is life changing. And I mean
Speaker 2: we can argue back and forth about how you know,
Speaker 2: money doesn't buy happiness, it doesn't, but you know what,
Speaker 2: it makes me pretty comfortable.
Speaker 4: It buys you some peace of mind, buys you a.
Speaker 2: Peace of mind, It buys you early retirement, It buys
Speaker 2: you so much stuff, it buys the food on your table.
Speaker 4: Yeah, Like it's just I think inspective.
Speaker 2: Comes in here a lot. Like I was reflecting over
Speaker 2: the weekend, I've been doing a lot of like gratitude practices,
Speaker 2: and I was reflecting over how grateful this is, probably
Speaker 2: me getting a little bit more she so apologies. Will
Speaker 2: get back onto corrupt track in a second. But my
Speaker 2: husband and I went out for breakfast with my baby
Speaker 2: on the weekend and we were sitting there and I
Speaker 2: was having eggs and a coffee and my husband's just
Speaker 2: playing on his phone, and I was getting a little
Speaker 2: bit annoyed because like he wasn't giving me the attention
Speaker 2: that I thought I deserved in that moment, right, And I.
Speaker 5: Was like, get off your phone.
Speaker 2: You're always on your phone, and he was like, bit rich,
Speaker 2: but okay. And then we get home and I'm thinking, wow,
Speaker 2: I just take it so for granted that I am
Speaker 2: able to go out for breakfast. I'm able to purchase
Speaker 2: a breakfast meal at a restaurant. There are people where
Speaker 2: that's their one fancy thing that they do in the year. Yeah,
Speaker 2: Like I need to pull my head in. And I
Speaker 2: think it's all about perspective because some people who say,
Speaker 2: oh my gosh, I would never work for a corrupt company,
Speaker 2: It's like, do you know what, there are a lot
Speaker 2: of people who would. You can't judge people for the
Speaker 2: decisions that they're making because you don't know where they're
Speaker 2: coming from totally.
Speaker 5: And that's what I was going to say before, is that,
Speaker 5: like some people literally just don't have a choice, Like
Speaker 5: we just don't have the option. We just have to
Speaker 5: do it. And that's where that's kind of a joy
Speaker 5: I'm sitting. I'm not saying that I would actively do it,
Speaker 5: but some people just don't have a choice.
Speaker 2: Yeah, but I think that's it. Like, and I mean
Speaker 2: Jess and I are joking about haha, we'd get a
Speaker 2: million dollars a year, like you, I can be bought.
Speaker 2: We can all joke about that. But at the end
Speaker 2: of the day, there are going to be a lot
Speaker 2: of people in our community who are like the I
Speaker 2: hate my job, but I live in a small town.
Speaker 2: It's the only job I could get. Yeah, totally, Like,
Speaker 2: I don't want to do it. I don't like my boss.
Speaker 2: I think he is the worst person in the entire universe,
Speaker 2: and I need the paycheck. Yeah, respect because that could
Speaker 2: be hard.
Speaker 1: Yeah.
Speaker 2: We did ask the community, as always, we said what's
Speaker 2: your two cents? What do you reckon? A lot of
Speaker 2: you said, and I liked this, Your job is separate
Speaker 2: from you go in the money and leave your life.
Speaker 2: Someone else said, I'm actually a criminal defense lawyer.
Speaker 4: It's hard, perfect example, but go, it's just work, and.
Speaker 2: I know right from wrong at the end of the day.
Speaker 2: That would be so hard being a criminal defense lawyer.
Speaker 4: I don't think I could do it. Like, that's a
Speaker 4: line for me that I like. That's something that I
Speaker 4: would find challenging. But I go, if that is working
Speaker 4: for somebody else, like, go, queen, someone's.
Speaker 2: Going, I've got mad to respect for people like that.
Speaker 2: Imagine walking into a courtroom and being like, so I'm
Speaker 2: here to actually defend this. I know he said that
Speaker 2: he did it, but we're just going to try and
Speaker 2: get him as light a sentence as possible.
Speaker 5: I don't think I could do it. I don't think
Speaker 5: I could do it. That's probably too much, because then
Speaker 5: you have to like, oh, it's a whole thing, anyone.
Speaker 5: I'm not going to get started, But I don't think
Speaker 5: I could do.
Speaker 2: That exactly if possible, being part of the solution, you
Speaker 2: can fix the problem from within. Yes, so I didn't realize,
Speaker 2: you replied. Someone said, in this economy.
Speaker 4: Sit down, totally totally valid.
Speaker 2: Someone else said, please tell us more. We need to
Speaker 2: know about the company. I know, but this is not
Speaker 2: our place.
Speaker 4: Sadly, it's a safe, an anonymous space.
Speaker 2: Someone said, ill pass and it won't matter soon enough,
Speaker 2: which I think is really nice. And then someone said,
Speaker 2: if they made a statement about what they're intending to
Speaker 2: do and change their ways, I'd stay as long as
Speaker 2: they were making good on that. Yeah, I think that's important.
Speaker 2: Someone else said, and I think that in this climate.
Speaker 2: Like Jess and I went through a phase last year
Speaker 2: when we were like, it's economy. Yeah, we kept saying
Speaker 2: in this economy. But someone said, in this climate, it's
Speaker 2: so hard to be able to stick to your values.
Speaker 2: Pay cuts right now are really tricky, so moving jobs
Speaker 2: might not be the best decision for you. Someone else said,
Speaker 2: look for a job that aligns with your values, but
Speaker 2: don't leave immediately with nothing to go to, and then
Speaker 2: someone else is going to leave it here because I
Speaker 2: could go on and on. Someone else said I resigned
Speaker 2: on day one of a job once after finding out
Speaker 2: how badly the owners of the company were neglecting the WHS,
Speaker 2: which is basically the health and safety standards.
Speaker 4: I see, I've got a good story. Just please pa,
Speaker 4: I don't think it's for the air though. This is
Speaker 4: an off air.
Speaker 2: Take this up off air because unfortunately we have run
Speaker 2: out of podcast time. It has been a pleasure as always.
Speaker 2: I feel like that's a nice place to leave it
Speaker 2: as well. Beck enjoy the rest of Sydney and Birthday week.
Speaker 2: I can guarantee that we will have a Peter's ice
Speaker 2: cream cake few next week because won't be me bringing it.
Speaker 2: Jess will be bringing it to the table because I
Speaker 2: know she doesn't want to miss out on it. And
Speaker 2: for everybody else, have a great weekend. There's a special
Speaker 2: little episode. It's a bonus coming out tomorrow for you.
Speaker 2: And we'll also see you write in early on Monday
Speaker 2: for a money diary, So see you soon, guys.
Speaker 5: Bye guys, Hye.
Speaker 2: The advice shared on She's on the Money is general
Speaker 2: in nature and does not consider your individual circumstances. She's
Speaker 2: on the Money exists purely for educational purposes and should
Speaker 2: not be relied upon to make an investment or financial decision.
Speaker 2: If you do choose to buy a financial product, read
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards
Speaker 2: your needs. Victoria Divine and She's on the Money are
Speaker 2: authorized representatives of money sirper Pty Ltd ABN three two
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