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

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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

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

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

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

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

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

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Speaker 1: today 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, the podcast

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Speaker 2: Millennials who Want Financial Freedom. Today, my friends, is Friday,

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Speaker 2: which means it is time to get our little team together,

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Speaker 2: and by little, I mean it's just jess and I today, Jessica,

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Speaker 2: Miss Beck. We're going to be talking today about our

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Speaker 2: incredible She's on the Money community. We're also going to

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Speaker 2: be sharing our favorite money wins. We're going to be

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Speaker 2: helping to answer do you see money dilemma, which this

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Speaker 2: week is all about explaining salary packaging. And we're going

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Speaker 2: to be unpacking something that you slid into our DMS

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Speaker 2: about and this week we're talking about taking a step

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Speaker 2: back in your career to support your partner's goals. It's

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Speaker 2: just GRICI. How has your week been?

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Speaker 4: It's been good. I feel like I'm just kind of

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Speaker 4: plodding along. Nothing super exciting. What did I do? I

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Speaker 4: went to Pilate's Oh Big Doganaje queen us. Apart from that,

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Speaker 4: I don't think I did anything exciting at all. Really,

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Speaker 4: how about you own to Bali? Yeah, yeah, bolthers that.

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Speaker 2: Yeah, I went to Bali and then I came back

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Speaker 2: from Bali and now we're here. I didn't get Bali belly.

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Speaker 4: That's a win for you.

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Speaker 2: Honestly surprising given my ability to eat anything that's put

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Speaker 2: in front of me, Like you know, when they're like, oh,

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Speaker 2: don't eat this and don't eat that. If you're in Bali,

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Speaker 2: I'm like, it looks good though, probably gonna give it.

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Speaker 2: He a crack. So we did that. That's actually really

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Speaker 2: fun because it was for my best friend's wedding. We

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Speaker 2: had her wedding and also her hands party. I obviously

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Speaker 2: haven't uploaded any wedding pictures yet. Because she hasn't uploaded

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Speaker 2: any wedding pictures yet. Yeah, I feel like those are

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Speaker 2: the rules, Like you're not allowed to post pictures of

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Speaker 2: the bride and groom until the bride and groom have

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Speaker 2: posted pictures.

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Speaker 4: I see like it goes without saying it's just.

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Speaker 2: Seen pictures of her on the internet already. Am I

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Speaker 2: allowed to be salty about that or not. I'm not

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Speaker 2: my wedding, but like.

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Speaker 4: I wouldn't do it. But that's just me and we

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Speaker 4: all we all know how much I love to be

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Speaker 4: posting on my Instagram. True, I feel like the line

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Speaker 4: in the sand and the hands was Barbie theed it

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Speaker 4: makes Barbie week.

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Speaker 2: It is Barbie Week. We haven't even seen Barbie yet

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Speaker 2: because we haven't had time, but we're going as a

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Speaker 2: team very soon and I'm very excited about that.

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Speaker 4: You love to say it smashing all the records as

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Speaker 4: well well, like the highest grossing female directed movie. I

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Speaker 4: feel like it's the highest grossing so far this year.

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Speaker 4: Wasn't it absolutely wild?

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Speaker 2: But I think my favorite thing coming out of the

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Speaker 2: Barbie movie, having not seen it yet, is it's being

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Speaker 2: slammed by a lot of American journalists and someone did

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Speaker 2: a little montage of pictures of those American journalists, and

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Speaker 2: all of them are beautiful blonde women, and I'm like,

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Speaker 2: the irony is not lost, Like you're slamming Barbie, yet

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Speaker 2: here you are.

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Speaker 4: Yeah, I feel like the people who are slamming Barbie

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Speaker 4: from what I've seen, not having seen the film yet,

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Speaker 4: it seems to be people who are taking it at

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Speaker 4: surface level and not really looking into how it relates

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Speaker 4: to the plight of women. And I've heard that it's

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Speaker 4: very clever, the way that they put it together and

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Speaker 4: the themes that they touch on and the way that

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Speaker 4: they explore them. And so I think my opinion, again

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Speaker 4: having not seen it, is.

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Speaker 2: Having not seen the movie, wait until we see it,

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Speaker 2: we're going to be so opinionated.

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Speaker 4: Come back next week with a full review for you.

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Speaker 4: But a lot of people that have seen complaining are

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Speaker 4: men or people who maybe you don't have a significant

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Speaker 4: amount of experience as a female in the world where

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Speaker 4: it's real bad patriarchy. So I'm very excited to see

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Speaker 4: how they pull it apart while keeping it kid friendly

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Speaker 4: as well.

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Speaker 2: I've seen this meme. I don't know if it's a meme.

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Speaker 2: It's just like a screenshot from Twitter, I believe, and

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Speaker 2: it's from someone called technically Ron and they said, I

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Speaker 2: took one star reviews from Barbie from furious men on letterbox,

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Speaker 2: which I'm assuming is just like a social media platform

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Speaker 2: in the US, and I put them on the Barbie

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Speaker 2: poster because it makes the film seem even cooler. You're

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Speaker 2: ready to hear some of their comments. Absolutely an alienating,

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Speaker 2: dangerous and perversive film that is a lot I want

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Speaker 2: to see it.

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Speaker 4: It was signed off on by a children's toy company.

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Speaker 4: How bad can it be?

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Speaker 2: I don't know. This one says the feminist agenda will

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Speaker 2: kill us all.

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Speaker 4: My god.

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Speaker 2: The next one, are you ready? Yeah, they won't be

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Speaker 2: happy until we're all gay.

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Speaker 4: It's the people just see this is the thing that

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Speaker 4: makes me really mad.

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Speaker 2: And my favorite, are you ready? It's a pink acid

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Speaker 2: trip that feels a lot like being slapped by lots

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Speaker 2: of confusingly attractive people.

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Speaker 4: I gotta love that.

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Speaker 2: I just want to see the movie even more now.

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Speaker 2: But that's apparently what some mediocre, middle aged white men

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Speaker 2: had to say about the Barbie film. And you know

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Speaker 2: what you're selling it to me, guys, You are absolutely

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Speaker 2: selling it to me.

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Speaker 4: I didn't need that one hundred and forty five million dollars.

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Speaker 4: I don't need it because you're doing it on the

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Speaker 4: internet for free, exactly.

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Speaker 2: And I just love how people are just not having it.

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Speaker 2: You know how sometimes people slam a movie and you're like, oh,

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Speaker 2: I don't know if I'll see that now everyone's going

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Speaker 2: on every negative review, I'm like, I needed to see

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Speaker 2: it more every positive review, I'm like, yes, queen, get it.

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Speaker 4: There's no looking.

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Speaker 2: You can't tell me that I don't want to see

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Speaker 2: this movie.

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Speaker 4: You can't stay tuned for she's on the movie review.

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Speaker 4: We'll come back to you next week.

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Speaker 2: Yeah, and we might have a real opinion about the

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Speaker 2: Barbie movie. You might have noticed that we are lacking

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Speaker 2: a beck today, Dad. She has hurt her neck coincidentally

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Speaker 2: on her birthday. I don't know. We'll have to call

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Speaker 2: her out next week.

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Speaker 4: Bad calma ah, sad, A little bit of a didn't

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Speaker 4: stick to work either way.

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Speaker 2: I don't know.

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Speaker 4: We missed you back. Hope you feel better soon.

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Speaker 2: We brought you or Jess brought you in flowers.

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Speaker 4: We brought you flowers.

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Speaker 2: I mean I probably paid for them, but you remember

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Speaker 2: to pick them up Yeah, that's how this relationship works.

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Speaker 4: Let's fail over it.

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Speaker 2: I really appreciate it. But Beck is in here, and

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Speaker 2: to be honest, Jess and I could not do her

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Speaker 2: broke tips justice. So how might we dive straight into

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Speaker 2: your community wins? What have you pulled out this week?

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Speaker 2: My friend?

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Speaker 4: My first money when this week comes from Louise, who

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Speaker 4: said I wanted a book that Amazon was going to

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Speaker 4: charge me a lot of money in postage, so I

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Speaker 4: checked out the local secondhand bookstore and save myself ten dollars.

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Speaker 4: I forgot that second hand bookstores existed.

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Speaker 2: I did too it Salvos. No, Like, there are whole.

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Speaker 4: Entire stores that are just dedicated secondand bookstores. There's one

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Speaker 4: quite close to our studio. Really yeah, and they literally

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Speaker 4: un just.

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Speaker 2: Full of She's on the Money books. Do you remember

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Speaker 2: the time someone sent us a picture of one of

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Speaker 2: our she on the Money tote bags?

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Speaker 4: Those sto bags are so good.

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Speaker 2: They sent us a picture of a tote bag from

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Speaker 2: She's on the Money in Salvos, and you know what

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Speaker 2: I was like, that's what I paid for it.

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Speaker 4: Yep, money win for someone out there. It's an excellent

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Speaker 4: tote bag. But yeah, good reminder to anyone who wants

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Speaker 4: to read a book secondhand bookstores. So good. My next

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Speaker 4: money win is from Amy, who said I finished the

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Speaker 4: investing shoes in the Money podcast episodes and have started investing.

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Speaker 4: Has cleared fifty dollars a week and other irregular payments

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Speaker 4: heaps as or when I can not much to start with,

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Speaker 4: but as a now single mum of five who took

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Speaker 4: a long time off work to look after my babies

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Speaker 4: when I was partnered, I'm excited to start investing for

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Speaker 4: my retirement.

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Speaker 2: What single mum of five investing fifty bucks a week huge?

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Speaker 2: I can't.

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Speaker 4: Amy, You're totally wrong. That's a huge amount.

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Speaker 2: I want to hear everybody else's excuses. Jessica, We're very

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Speaker 2: proud of you. I love this.

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Speaker 4: Next, I've got a money win from Melinda, who said

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Speaker 4: I wanted to buy new inserts for my ugs, and

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Speaker 4: a friend had some sheep skin and cut them for

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Speaker 4: me for free. And I included this so niche, and.

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Speaker 2: It's so niche. I didn't even know you could buy

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Speaker 2: inserts for us.

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Speaker 4: I was just gonna say it picked that one because

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Speaker 4: it has literally never occurred to me that you could

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Speaker 4: replace the inside of fluffy, because you know, fluffy slippers

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Speaker 4: ugs get a bit feral. They get real nasty after

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Speaker 4: a while, and then you go, oh, well, am I

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Speaker 4: going to throw them out because my feet?

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Speaker 2: No, I'm going to continue to wear them for the

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Speaker 2: next ten years.

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Speaker 4: Well no telling them no. So Melinda's Melinda's on the money,

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Speaker 4: Melinda place the lining.

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Speaker 2: Yes that I have questions. My little ADHD brain's like, well,

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Speaker 2: how did that come up in conversation with your friend?

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Speaker 2: Were you like, oh, what are you doing after this

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Speaker 2: coffee that we're having? Oh, I'm going shopping for ug inserts,

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Speaker 2: Oh babe, don't worry. I happen to have a supply

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Speaker 2: of sheepskin in my wardrobe. Like where did that come from?

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Speaker 4: I mean, if it works, it works right.

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Speaker 2: I don't want no one's arguing that one away for later?

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Speaker 4: What else have you got next? I have money win

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Speaker 4: from Kendall simple, but I kind of love it. Money

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Speaker 4: win my coals Click and collect substituted six hundred grams

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Speaker 4: of chicken breasts, which is what I ordered for one

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Speaker 4: point four killer of chicken instead got a lot of chicken.

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Speaker 4: Do you tick substitute? Do you know how there's a

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Speaker 4: button with do you just it's such a gamble because

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Speaker 4: sometimes it's like this and you get pretty much what

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Speaker 4: you wanted, but maybe a little better. And I remember

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Speaker 4: once I ordered Pepsi Max because Max curly. Do you

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Speaker 4: know what they gave me sprite?

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Speaker 2: Absolutely absolutely not. We had that the other day actually,

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Speaker 2: So one of my favorite ice creams is this like

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Speaker 2: coconut based vanilla ice cream, and there's not a lot

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Speaker 2: of substitute, but on my app it automatically ticks substitute.

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Speaker 2: And the plan was to have it with apple crumble because,

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Speaker 2: as you guys know, apple crumble is the og dessert.

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Speaker 2: Won't hear about it from anywhere else. So want my

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Speaker 2: vanilla ice cream with apple crumble? And they guess what

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Speaker 2: they did? They substituted it same brand, technically still plant based,

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Speaker 2: but choc mint ice cream is not good with a crumble.

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Speaker 2: So thanks for thinking of me and not giving me

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Speaker 2: an ice cream I won't eat. But also I did

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Speaker 2: have to take myself to the shops.

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Speaker 4: It's so funny because sometimes they're bang on it and

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Speaker 4: sometimes you're like, where's your brain? Not even close, where's

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Speaker 4: your brain?

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Speaker 2: She wanted vanilla and you gave her shock mint a.

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Speaker 4: Bit of a fun gamble.

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Speaker 2: Why not.

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Speaker 4: My next money men comes from Christy who said I

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Speaker 4: got my weekly Marley Spoon box and they have given

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Speaker 4: me not one, but two freebies.

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Speaker 2: Yes they do that all the time.

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Speaker 4: One ready made sticky date pudding and one black rice

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Speaker 4: ready mix.

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Speaker 2: Who doesn't have a free.

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Speaker 4: To that it absolute me.

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Speaker 2: I did not get massive complaint to Marley Spoon. I

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Speaker 2: didn't get free sticky date puddy. Oh and I work

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Speaker 2: for you. You're not the favorite. I see how it is,

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Speaker 2: but we will pop Victoria's code in the Marley Spoons

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Speaker 2: literally the best thing in the entire world. And I

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Speaker 2: am working with them at the moment as like Amali ambassador,

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Speaker 2: which is like my favorite job ever. But it's funny

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Speaker 2: because people are like, oh, do you just eat their

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Speaker 2: food because you know they're working with you. Mike Sis,

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Speaker 2: I've been posting on Instagram about Mars Spoons is like

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Speaker 2: twenty fifteen. I think they owe it to me now

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Speaker 2: at this point, like I've worked for this ambassadorship.

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Speaker 4: Well, like just put the girl on the rostashsh she's getting.

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Speaker 2: Really annoying, like she thinks she works here. You know

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Speaker 2: that person that's so obsessed with one brand. They're like,

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Speaker 2: only wear that brand. That's me with.

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Speaker 4: Food amazing Maley. We love it. We love Maley. Big

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Speaker 4: fans here. And then lastly, I have moneyment from Julia,

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Speaker 4: who said, although I needed the money from my freshly

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Speaker 4: opened emergency fund for a small food shop and it's

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Speaker 4: now back down to zero dollars, it was such a

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Speaker 4: relief to have that money. I needed a side, and

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Speaker 4: I'm so proud that it was taken for an essential

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Speaker 4: and not a want.

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Speaker 2: I love it. I love it, Julia. That's such a

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Speaker 2: good habit, such a good habit, and it's just going

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Speaker 2: to grow from here on in because in another couple

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Speaker 2: of weeks you'll put that money back and then you

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Speaker 2: won't need it in the same way that you needed

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Speaker 2: it this time.

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Speaker 4: And I'm just built up.

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Speaker 2: I love it so much. All right, Jess, let's go

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Speaker 2: to a really quick break, because on the flip side,

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Speaker 2: I think we're going to get into the juicy conversation

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Speaker 2: of what's salary packaging actually means, And we're also going

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Speaker 2: to be unpacking a question that you slid into our

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Speaker 2: DMS about and we're going to be talking about whether

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Speaker 2: it's okay, or not to take a step back in

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Speaker 2: your career to support your partner's goals. So don't go anywhere.

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Speaker 4: Welcome back, everybody. Let's take a listen to this week's

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Speaker 4: money dilemma.

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

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Speaker 2: can't solve that. She's on the Money Team is here

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Speaker 2: to help. Every week we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money, career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording and you might

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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: Hey, She's on the Money Team. Over the last few years,

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Speaker 5: I've been working in a role that was casual, and

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Speaker 5: now I've just been employed in a full time role

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Speaker 5: that pays an eighty five thousand dollars salary plus super

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Speaker 5: plus a work vehicle. I hear my coworkers talk a

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Speaker 5: lot about sal packaging, and I've got no idea what

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Speaker 5: this means. Can you break it down and explain what

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Speaker 5: it means and how it benefits employees? Love the show

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Speaker 5: and thanks for answering.

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Speaker 4: Hello. My name is Victoria Devine and I'm gonna say,

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Speaker 4: go listen to the episode that we did on salary Packaging.

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Speaker 4: I just want to I'm not obviously victory to fine

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Speaker 4: Case candelp. It's Jess. Yeah. Hello, I would just like

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Speaker 4: to plug our archive because this podcast has been around

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Speaker 4: for five years now. She's been around a while. She's

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Speaker 4: been around the block once or twice. Remember when we

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Speaker 4: thought we were all young, I mean we're still fresh,

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Speaker 4: baby faced.

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Speaker 2: However, that's my botox.

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Speaker 4: We've covered many a episode on this podcast. And did

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Speaker 4: you know you can go on Apple Podcasts or Spotify

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Speaker 4: or wherever you like to get your podcasts from. And

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Speaker 4: if you go to the page if She's on the Money,

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Speaker 4: you can actually search keywords.

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Speaker 2: Yeah, like you can type in salary packaging and then

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Speaker 2: what would happen, Jess?

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Speaker 4: You would see an episode from the seventh of April

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Speaker 4: twenty twenty one. What's it called nice in brackets? Salary package?

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Speaker 2: Ay? I feel like you might have had something to

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Speaker 2: do with.

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Speaker 4: That excellent name. But do you want to give us

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Speaker 4: a little quick, cheeky rundown just to make it easy

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Speaker 4: for everyone?

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Speaker 2: Lit? I do, and I think it's a really important

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Speaker 2: thing to talk about, especially when you start to get

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Speaker 2: to those higher salary bands where you're like, oh, like

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Speaker 2: tax is starting to bite me in the bottom a

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Speaker 2: little bit, because tax is a lot, and salary packaging

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Speaker 2: is essentially a way that you can sort of bring

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Speaker 2: down your taxable income in a way. So salary packaging

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Speaker 2: is when your employer packages your salary into income and benefits.

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Speaker 2: And that's what salary packaging is known as. And you

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Speaker 2: can do heaps of different things here. So essentially, salary

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Speaker 2: packaging is when you were arranged to receive less income tax.

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Speaker 2: So let's just use you as an example, Jess, I

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Speaker 2: would pay you less, but you would get a benefit

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Speaker 2: that is paid for by my company. So instead of

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Speaker 2: the tax rate applying to you, which you know would

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Speaker 2: probably be thirty two point five cents in, every single

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Speaker 2: dollar gets packaged up and the benefit comes out of

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Speaker 2: your pre tax salary, which is kind of sexy because

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Speaker 2: you're thirty two point five percent better off in this

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Speaker 2: particular circumstance. So you could package up things like a car,

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Speaker 2: or you could do your mobile phone, or you could

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Speaker 2: do you know, a heap of different things that are

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Speaker 2: related to your job or are something that might benefit you.

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Speaker 2: So I know that in a lot of circumstances, people

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Speaker 2: want a salary package they rent, which is possible. That's

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Speaker 2: kind of sexy, thirty two point five percent better off.

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Speaker 2: I'm going to try that. People might want a salary

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Speaker 2: sacrifice childcare, or you might actually want to do this

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Speaker 2: for supranuation. Obviously, the superannuation system is a little bit different,

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Speaker 2: but it's still salary packaging. So the important thing is

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Speaker 2: that most employers will offer salary sacrifice to super, but

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Speaker 2: most will actually restrict the benefits of salary packaging in

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Speaker 2: general because it is a lot of admin like it's

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Speaker 2: quite hard to keep track of as a small business,

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Speaker 2: so it's not in their best in try to do that.

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Speaker 2: So salary packaging can fall into three different categories. So

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Speaker 2: we've got fringe benefits, we've got exempt benefits, and supranuation.

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Speaker 2: So we discussed supranuation already. That's where you sacrifice some

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Speaker 2: of your pre tax income to supranuation to put it

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Speaker 2: away for your future retirement. There is a different tax

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Speaker 2: system inside super which is going to tax that contribution

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Speaker 2: at fifteen cents in the dollar. But when you are

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Speaker 2: at a normal salary band, like thirty two point five

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Speaker 2: cents in every dollar. You're clearly more than fifteen percent

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Speaker 2: better off. So that's kind of sexy, right, love it.

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Speaker 2: The other one is fringe benefits. So fringe benefits can

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Speaker 2: include things like salary sacrificing for a car, could be

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Speaker 2: health insurance, it could be loans usually for a car,

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Speaker 2: school fees, childcare fees, or other personal expenses, and your

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Speaker 2: employer is going to pay what's called FBT or fringe

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Speaker 2: benefit tax on these benefits. That is a completely different

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Speaker 2: set of benefits compared to exempt benefits. So an exempt

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Speaker 2: benefit to go through that really quickly is things like

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Speaker 2: portable electronic devices like phones and laptops, computer software, protective clothing,

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Speaker 2: tools of the trade, and your employer doesn't have to

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Speaker 2: pay fringe benefit tax on that. And that's because it's

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Speaker 2: usually related to your employment. And so there's lots of

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Speaker 2: different ways of doing this, and I mean, I'm getting

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Speaker 2: pretty into it. Go listen to the episode. We cover

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Speaker 2: all of it. And as much as it was done

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Speaker 2: a couple of years ago, FBT and salary packaging hasn't

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Speaker 2: changed significantly. I just think the most important thing to

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Speaker 2: think about is it's not free money. I know that

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Speaker 2: it sounds really sexy, and if you're going to get

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Speaker 2: a car, of course, if salary packaging is available, that's

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Speaker 2: something you should consider. However, I do think a lot

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Speaker 2: of people use their salary packaging kind of just as

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Speaker 2: as an excuse to overspend in areas that they wouldn't

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Speaker 2: have if the money was in their bank account. So like,

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Speaker 2: if you're salary packaging food and entertainment, that food and

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Speaker 2: entertain allowance actually can't be spent on groceries. It actually

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Speaker 2: has to be spent on dining out. Yeah, and therefore

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Speaker 2: you're maybe dining out a lot more than what you

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Speaker 2: would have dined out had that money been in your

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Speaker 2: account and been allocated to another goal or expense. So

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Speaker 2: I think it's just so important to think about, well,

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Speaker 2: how is this going to serve me? Because I mean,

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Speaker 2: if you are needing to buy a new family car,

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Speaker 2: well then maybe that is a good idea to save

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Speaker 2: some tax and you know, put yourself in the best

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Speaker 2: possible position. However, we've got to make sure that we're

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Speaker 2: not then overspending on the car just because you go,

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Speaker 2: oh but it's much cheaper now.

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Speaker 4: Yeah, you feel like you've got all this extra money

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Speaker 4: when it's still money that.

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Speaker 2: No, we should be making the most of it. And

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Speaker 2: I think the other thing when it comes to salary

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Speaker 2: packaging is how committed you are to your employer. I

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Speaker 2: know that sounds really negative, but like Jess, if you

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Speaker 2: weren't planning on sticking around, that's a really big I

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Speaker 2: guess salary responsibility that you have with me that you

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Speaker 2: know a new employer might not immediately pick up on

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Speaker 2: and needs to be taken into consideration. So if you're

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Speaker 2: doing something like an ovated lease, which again is different

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Speaker 2: but often falls into the same conversation bucket, that might

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Speaker 2: mean that you have to get rid of your car

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Speaker 2: when you get a new job, and if you're not

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Speaker 2: planning on staying with that employee long term, or maybe

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Speaker 2: let's rethink how that might work structurally. So I think

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Speaker 2: there's a lot to consider. But essentially, salary packaging is

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Speaker 2: where you sacrifice part of your salary to reduce your

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Speaker 2: tax and that kind of sounds sexy if used in

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Speaker 2: the best possible way, But as I said, a lot

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Speaker 2: of people use it in a way that kind of

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Speaker 2: gives them permission to overspend in a way that they

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Speaker 2: wouldn't have if I had put that cash in front

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Speaker 2: of you, Jess, we.

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Speaker 4: Do not support that here.

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Speaker 2: No, I think it's about making the most of it. Like,

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Speaker 2: if you've got access to salary packaging, my friend, get

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Speaker 2: it quan exciting, especially if that is in your budget.

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Speaker 2: Like if you've gone and done your ses on the

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Speaker 2: money budget and casually plan and you know that each

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Speaker 2: and every single month you spend X on dining out, well,

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Speaker 2: why not pull that budget straight into salary packaging so

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Speaker 2: it can make sense if you can do the same

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Speaker 2: for rent, talk to your employer about it. These are

439
00:20:04,440 --> 00:20:07,560
Speaker 2: things that could potentially put you in a better financial position.

440
00:20:08,119 --> 00:20:10,880
Speaker 2: I just don't want to see the system not abused.

441
00:20:10,960 --> 00:20:12,360
Speaker 2: But you know what I mean, I just don't want

442
00:20:12,359 --> 00:20:15,160
Speaker 2: people taking it and going, oh, it's free money because

443
00:20:15,160 --> 00:20:17,440
Speaker 2: it's tax free. I feel like the second you say

444
00:20:17,480 --> 00:20:20,200
Speaker 2: tax free or tax refund, people assume that they didn't

445
00:20:20,240 --> 00:20:21,960
Speaker 2: work for that money, and that's not the case.

446
00:20:22,240 --> 00:20:24,680
Speaker 4: Oh that's super interesting. And definitely go back and listen

447
00:20:24,720 --> 00:20:26,840
Speaker 4: to that episode that you guys did a little while ago,

448
00:20:26,880 --> 00:20:29,280
Speaker 4: because I feel like it got into the nitty gritty

449
00:20:29,280 --> 00:20:30,960
Speaker 4: of it, because there is a lot to unpack there,

450
00:20:31,480 --> 00:20:33,280
Speaker 4: but not to scooch it along.

451
00:20:33,400 --> 00:20:36,000
Speaker 2: I'm wanting to scooch it along because if anyone loves

452
00:20:36,000 --> 00:20:38,000
Speaker 2: the drummer, it's msscrich absolutely.

453
00:20:38,040 --> 00:20:39,679
Speaker 4: And I feel like this week's question is such a

454
00:20:39,680 --> 00:20:40,160
Speaker 4: good one.

455
00:20:40,160 --> 00:20:43,280
Speaker 2: All right, all right, so this week's community dilemma, let's go.

456
00:20:43,640 --> 00:20:45,600
Speaker 2: This week, we got a message and it went like this,

457
00:20:46,200 --> 00:20:48,639
Speaker 2: Hey girl, is a bit of a sticky one. My

458
00:20:48,760 --> 00:20:52,119
Speaker 2: partner has been offered a really amazing opportunity to partly

459
00:20:52,200 --> 00:20:55,159
Speaker 2: own a business into state, which would really set us

460
00:20:55,200 --> 00:20:58,200
Speaker 2: up financially. But it's in a remote town. I currently

461
00:20:58,240 --> 00:21:00,200
Speaker 2: work as a makeup artist and I have a really

462
00:21:00,240 --> 00:21:02,679
Speaker 2: good client base where I am, so I'm having a

463
00:21:02,720 --> 00:21:06,200
Speaker 2: hard time taking steps back in my career for him,

464
00:21:06,359 --> 00:21:10,200
Speaker 2: even though it would be a great financial opportunity. I'm

465
00:21:10,240 --> 00:21:12,360
Speaker 2: just not sure how should I approach this.

466
00:21:13,680 --> 00:21:16,400
Speaker 4: I feel people are going to have very different opinions

467
00:21:16,480 --> 00:21:20,320
Speaker 4: on this, and it's really hard because I think you

468
00:21:20,359 --> 00:21:21,960
Speaker 4: look at it and you go, Okay, when you're in

469
00:21:22,000 --> 00:21:25,240
Speaker 4: a partnership with somebody, you obviously hope for their success,

470
00:21:25,280 --> 00:21:26,920
Speaker 4: You want them to do well, you want them to thrive.

471
00:21:27,000 --> 00:21:28,760
Speaker 4: You want to do whatever you can to support that.

472
00:21:29,560 --> 00:21:33,159
Speaker 4: But it's a big ask of anybody to pick up

473
00:21:33,200 --> 00:21:35,640
Speaker 4: their life and move. And I would say the same

474
00:21:35,680 --> 00:21:37,040
Speaker 4: if it was the other way around, if she had

475
00:21:37,040 --> 00:21:39,320
Speaker 4: the opportunity and she was asking a partner to move.

476
00:21:39,760 --> 00:21:43,400
Speaker 4: I think, regardless, it's a lot to leave behind. Firstly,

477
00:21:43,520 --> 00:21:46,160
Speaker 4: her career. It sounds like her existing client base, all

478
00:21:46,200 --> 00:21:47,919
Speaker 4: of the work that she's done to maybe build up

479
00:21:47,920 --> 00:21:50,359
Speaker 4: her personal brand in the area, and the connections that

480
00:21:50,400 --> 00:21:54,000
Speaker 4: she's got. If she's moving somewhere remote, I'm imagining perhaps

481
00:21:54,040 --> 00:21:56,399
Speaker 4: there may not be as many opportunities to do that

482
00:21:56,480 --> 00:21:58,960
Speaker 4: kind of work, depending on just how big or small

483
00:21:59,000 --> 00:22:01,680
Speaker 4: the town is. And then you're also moving away from

484
00:22:01,680 --> 00:22:05,480
Speaker 4: your support network, your friends, your family, your favorite coffee shop.

485
00:22:05,640 --> 00:22:06,440
Speaker 2: That's important.

486
00:22:06,600 --> 00:22:10,399
Speaker 4: It's very important. And I just feel like it's I

487
00:22:10,440 --> 00:22:15,520
Speaker 4: can understand why she's a little bit unsure, but then

488
00:22:15,560 --> 00:22:17,880
Speaker 4: I can also understand how that might make her feel

489
00:22:17,920 --> 00:22:20,680
Speaker 4: guilty because she feels like, oh, well, I'm not supporting

490
00:22:20,720 --> 00:22:22,040
Speaker 4: them in the way that I'm short or in the

491
00:22:22,040 --> 00:22:23,719
Speaker 4: way that I would want to be supported. So it

492
00:22:23,760 --> 00:22:25,560
Speaker 4: is it is really a sticky one, isn't it.

493
00:22:25,800 --> 00:22:29,639
Speaker 2: I find it really hard because I think in theory,

494
00:22:29,720 --> 00:22:32,840
Speaker 2: you go, oh, my gosh, let's support our partner and

495
00:22:33,280 --> 00:22:36,439
Speaker 2: if Steve needed to do anything for his career, I

496
00:22:36,440 --> 00:22:38,919
Speaker 2: would try my hardest to make sure that he was

497
00:22:38,960 --> 00:22:42,960
Speaker 2: as well supported as possible. However, it's well, what does

498
00:22:43,040 --> 00:22:46,160
Speaker 2: day to day look like? You're moving to a remote location.

499
00:22:47,000 --> 00:22:51,040
Speaker 2: What's the expectation of you? So are you just staying

500
00:22:51,119 --> 00:22:53,640
Speaker 2: at home while he goes and makes heaps of money

501
00:22:53,680 --> 00:22:56,480
Speaker 2: And that's really good, But you don't have a social life,

502
00:22:56,520 --> 00:22:59,760
Speaker 2: you don't have a job that's probably going to lead

503
00:22:59,800 --> 00:23:02,960
Speaker 2: to you you feeling pretty flat. Are you expected to

504
00:23:02,960 --> 00:23:06,439
Speaker 2: go and get a completely different career because unfortunately, you know,

505
00:23:06,800 --> 00:23:10,440
Speaker 2: let's pretend you're moving to KARTHA makeup artist is probably

506
00:23:10,480 --> 00:23:13,280
Speaker 2: not needed up near the mines, right, It's not something

507
00:23:13,320 --> 00:23:15,120
Speaker 2: that there is a lot of demand for. And that's

508
00:23:15,440 --> 00:23:18,600
Speaker 2: so fine, But would there be the expectation that you

509
00:23:18,640 --> 00:23:21,919
Speaker 2: get a job, you know, at the local shops. If so,

510
00:23:22,359 --> 00:23:24,040
Speaker 2: how is that going to nor issue? Are you going

511
00:23:24,119 --> 00:23:26,359
Speaker 2: to feel empowered and engaged in the same way that

512
00:23:26,400 --> 00:23:29,280
Speaker 2: you are feeling that way in your current job? And

513
00:23:29,320 --> 00:23:31,800
Speaker 2: I think that there's just a lot to take into consideration.

514
00:23:32,160 --> 00:23:36,000
Speaker 2: And I think the tone of this message really beautiful,

515
00:23:36,040 --> 00:23:39,000
Speaker 2: Like I love that you want to support your partner.

516
00:23:39,160 --> 00:23:42,679
Speaker 2: I really really do. But when we talk about you know,

517
00:23:42,720 --> 00:23:46,720
Speaker 2: there's this opportunity to partly own a business interstate stunning,

518
00:23:47,560 --> 00:23:50,919
Speaker 2: but it was the financial driver, Like, is there the

519
00:23:50,960 --> 00:23:53,560
Speaker 2: opportunity for him to maybe start a bit earlier on,

520
00:23:53,760 --> 00:23:56,320
Speaker 2: maybe not step into a pre established business, but if

521
00:23:56,320 --> 00:24:00,000
Speaker 2: he's super passionate about that, could he do that somewhere else.

522
00:24:00,480 --> 00:24:03,480
Speaker 2: As much as this is a money podcast, money isn't

523
00:24:03,560 --> 00:24:06,280
Speaker 2: absolutely everything. We need to find that balance of well,

524
00:24:06,600 --> 00:24:09,120
Speaker 2: what's going to work for us? Like if you took

525
00:24:09,200 --> 00:24:12,120
Speaker 2: me out of the city, I wouldn't have a purpose.

526
00:24:12,440 --> 00:24:15,800
Speaker 2: I'd be very upset, not at my partner. I just

527
00:24:15,960 --> 00:24:18,560
Speaker 2: wouldn't have a lot to do. So I feel like

528
00:24:18,600 --> 00:24:20,760
Speaker 2: it's really important to think about, well, what does your

529
00:24:20,760 --> 00:24:23,880
Speaker 2: current lifestyle look like? You're right, Jess, what if your

530
00:24:23,920 --> 00:24:27,160
Speaker 2: lifestyle involves getting up every single morning going for coffee

531
00:24:27,200 --> 00:24:28,960
Speaker 2: and you know, maybe you and your partner have worked

532
00:24:28,960 --> 00:24:31,840
Speaker 2: out that that's okay to have that level of compromise,

533
00:24:32,119 --> 00:24:34,760
Speaker 2: But what level of compromise are you willing to take

534
00:24:34,920 --> 00:24:39,000
Speaker 2: on in order for them to thrive? And if that's

535
00:24:39,080 --> 00:24:42,720
Speaker 2: the case, do you both need to go Yeah, Like

536
00:24:42,920 --> 00:24:46,280
Speaker 2: I am a very big believer in, you know, just

537
00:24:46,359 --> 00:24:49,600
Speaker 2: making things work and not everything is super easy always.

538
00:24:49,680 --> 00:24:51,640
Speaker 2: But maybe you kind of do a five FO thing

539
00:24:51,880 --> 00:24:54,480
Speaker 2: where you are a makeup artist and you only have

540
00:24:54,600 --> 00:24:56,960
Speaker 2: set days that you might work and you go and

541
00:24:57,200 --> 00:24:59,400
Speaker 2: do the remote stuff with your partner for a week

542
00:24:59,440 --> 00:25:02,200
Speaker 2: on and off. Like, I don't know how that could work, Yeah,

543
00:25:02,200 --> 00:25:04,199
Speaker 2: but there might be a way of still keeping a

544
00:25:04,240 --> 00:25:06,879
Speaker 2: foot in the door and staying engaged in your current

545
00:25:07,000 --> 00:25:11,000
Speaker 2: career while still supporting your partner to maybe do this

546
00:25:11,200 --> 00:25:13,479
Speaker 2: because who knows if it's going to work out. What

547
00:25:13,480 --> 00:25:14,960
Speaker 2: if he gets there and he's like, this is the

548
00:25:15,000 --> 00:25:16,120
Speaker 2: worst thing I've ever done.

549
00:25:16,400 --> 00:25:20,960
Speaker 4: Yeah, and it's kind of how do you feel about them?

550
00:25:21,000 --> 00:25:24,760
Speaker 4: Like outside of his opportunity, would you be excited about

551
00:25:24,760 --> 00:25:26,200
Speaker 4: the move? I feel like that's how I would look

552
00:25:26,200 --> 00:25:27,640
Speaker 4: at it. Is if he wasn't going to get heaps

553
00:25:27,680 --> 00:25:29,919
Speaker 4: of money from this new job in this new state

554
00:25:30,320 --> 00:25:33,320
Speaker 4: and he said, hey, why don't we move to Karfa

555
00:25:33,640 --> 00:25:34,720
Speaker 4: or wherever it is.

556
00:25:34,720 --> 00:25:36,960
Speaker 2: I fix like somewhere that I knew were super remote.

557
00:25:37,000 --> 00:25:38,800
Speaker 4: I literally never heard of it. So well done, You're.

558
00:25:38,720 --> 00:25:42,600
Speaker 2: Welco there you go. It's not in Perth, it's in

559
00:25:42,640 --> 00:25:45,080
Speaker 2: Western Australia. You know, would you be excited about the

560
00:25:45,119 --> 00:25:45,959
Speaker 2: opportunity to move there?

561
00:25:46,000 --> 00:25:49,879
Speaker 4: Would you feel like you have different options or plans

562
00:25:49,920 --> 00:25:52,199
Speaker 4: or routes that you could take if you're there? And

563
00:25:52,240 --> 00:25:55,360
Speaker 4: if not, then, as you said, like what compromises can

564
00:25:55,400 --> 00:25:59,359
Speaker 4: you make around that? It's a real pickle because I

565
00:25:59,400 --> 00:26:01,719
Speaker 4: think you know, you want to do everything you can

566
00:26:01,800 --> 00:26:03,720
Speaker 4: for the person that you love, and I totally understand

567
00:26:03,760 --> 00:26:06,000
Speaker 4: and respect that. But at this on the flip side

568
00:26:06,000 --> 00:26:07,760
Speaker 4: of that, I guess if he loves and respects you,

569
00:26:07,840 --> 00:26:09,160
Speaker 4: he also maybe he.

570
00:26:09,119 --> 00:26:12,000
Speaker 2: Should take that into consideration too, a way, the pros

571
00:26:12,040 --> 00:26:12,840
Speaker 2: and the concept.

572
00:26:13,000 --> 00:26:14,520
Speaker 4: Yeah, see it sounds like you have to have a

573
00:26:14,560 --> 00:26:17,119
Speaker 4: big conversation. Obviously, we don't have a huge amount of

574
00:26:17,160 --> 00:26:20,119
Speaker 4: information in this little note that we got telling us

575
00:26:20,200 --> 00:26:23,639
Speaker 4: all of the context. But I kind of say, both sides,

576
00:26:23,800 --> 00:26:25,560
Speaker 4: I don't I don't fully know where I sit.

577
00:26:25,800 --> 00:26:28,719
Speaker 2: Have you ever had this hypothetical conversation with your partner,

578
00:26:29,400 --> 00:26:31,120
Speaker 2: like what if you wanted to move to London?

579
00:26:31,320 --> 00:26:32,119
Speaker 4: Or is that just me?

580
00:26:32,600 --> 00:26:36,119
Speaker 2: Nah who just like makes up really random situations in

581
00:26:36,160 --> 00:26:39,600
Speaker 2: my head? Still love me? If I'm an egg.

582
00:26:40,200 --> 00:26:42,119
Speaker 4: If I was a worm, would you treat me the same,

583
00:26:42,240 --> 00:26:44,000
Speaker 4: would you still think I'm pretty that's me?

584
00:26:44,840 --> 00:26:47,359
Speaker 2: But have you not spoken to your partner about like

585
00:26:47,480 --> 00:26:50,240
Speaker 2: moving overseas? Not really really nice?

586
00:26:50,400 --> 00:26:52,200
Speaker 4: But for us, it's not really something that's on either

587
00:26:52,240 --> 00:26:54,760
Speaker 4: of our radars. I think we're both really comfortable in

588
00:26:54,800 --> 00:26:58,520
Speaker 4: our careers how they're progressing right now where we are. Yeah,

589
00:26:58,680 --> 00:27:00,560
Speaker 4: maybe that's on us. Maybe that's a conversation we should

590
00:27:00,560 --> 00:27:01,320
Speaker 4: have had and we haven't.

591
00:27:01,680 --> 00:27:04,919
Speaker 2: Ah, So I have had that conversation and it was

592
00:27:04,960 --> 00:27:06,400
Speaker 2: instigated by getting pets.

593
00:27:06,600 --> 00:27:06,840
Speaker 4: Yeah.

594
00:27:06,840 --> 00:27:08,680
Speaker 2: So, like I already had a cat, and I am

595
00:27:08,840 --> 00:27:12,399
Speaker 2: definitely a homebody. Like I have lived overseas for a

596
00:27:12,440 --> 00:27:15,960
Speaker 2: short period of time but didn't love it because I'm

597
00:27:16,000 --> 00:27:18,399
Speaker 2: such a homebody. Wanted to be in my own space

598
00:27:18,840 --> 00:27:20,480
Speaker 2: and like I need to be close to my friends

599
00:27:20,520 --> 00:27:24,119
Speaker 2: and my family, Like I just I'm gonna be boring Jess. So,

600
00:27:24,200 --> 00:27:26,160
Speaker 2: I remember when my partner and I were talking about

601
00:27:26,160 --> 00:27:28,119
Speaker 2: getting another cat. I was like, do you want to

602
00:27:28,160 --> 00:27:30,840
Speaker 2: move to London? He was like wait what? I was like,

603
00:27:30,880 --> 00:27:31,840
Speaker 2: do you want to move to London?

604
00:27:31,960 --> 00:27:32,080
Speaker 4: Like?

605
00:27:32,560 --> 00:27:35,240
Speaker 2: And he was like, no, where do you put London from?

606
00:27:35,280 --> 00:27:40,119
Speaker 2: I don't know. I think everybody who moves overseas is

607
00:27:40,160 --> 00:27:41,080
Speaker 2: going to live in London.

608
00:27:41,400 --> 00:27:42,720
Speaker 4: You know what now that you say that, a lot

609
00:27:42,720 --> 00:27:43,560
Speaker 4: of people have I.

610
00:27:43,480 --> 00:27:46,000
Speaker 2: Feel like, if you're going to go work overseas, like

611
00:27:46,200 --> 00:27:49,680
Speaker 2: you're not going on a holiday, it's easy londyar And yeah,

612
00:27:49,720 --> 00:27:53,480
Speaker 2: I feel like anyway, that's me stereotyping. But I remember

613
00:27:53,520 --> 00:27:55,480
Speaker 2: going would you ever move to London? And he was

614
00:27:55,560 --> 00:27:57,400
Speaker 2: like no? And I was like, would you move to Singapore?

615
00:27:57,840 --> 00:27:58,000
Speaker 4: No?

616
00:27:58,440 --> 00:28:01,280
Speaker 2: Would you move to Sydney? And he's like, only if

617
00:28:01,280 --> 00:28:03,640
Speaker 2: there was a really good career opportunity or you got

618
00:28:03,640 --> 00:28:05,479
Speaker 2: a really good career opportunity.

619
00:28:04,920 --> 00:28:07,119
Speaker 4: And I was like who, No good answer.

620
00:28:07,280 --> 00:28:09,880
Speaker 2: So I think it was a good conversation to have

621
00:28:10,200 --> 00:28:13,360
Speaker 2: because you know, obviously pets came into it, and I

622
00:28:13,400 --> 00:28:15,240
Speaker 2: can't like I'm not the type of person that's like,

623
00:28:15,280 --> 00:28:17,479
Speaker 2: oh well, if the opportunity came up, I'd get rid

624
00:28:17,560 --> 00:28:18,119
Speaker 2: of my pets.

625
00:28:18,160 --> 00:28:20,120
Speaker 4: I'd say bring it back around. What was the pet thing?

626
00:28:20,160 --> 00:28:20,399
Speaker 1: Is that?

627
00:28:20,400 --> 00:28:21,919
Speaker 4: Oh, if we move to London, what do we do

628
00:28:21,960 --> 00:28:22,480
Speaker 4: with the end? Yeah?

629
00:28:22,520 --> 00:28:25,240
Speaker 2: Because like I had Bailey, so I had my own

630
00:28:25,359 --> 00:28:29,560
Speaker 2: cat and I am a lot in a relationship. But

631
00:28:29,600 --> 00:28:32,359
Speaker 2: when we moved in together, I said, Bailey is my cat.

632
00:28:32,480 --> 00:28:34,639
Speaker 2: I've had him for five years or whatever it is.

633
00:28:34,640 --> 00:28:37,560
Speaker 2: Before we got together. If we break up for any reason,

634
00:28:37,640 --> 00:28:40,920
Speaker 2: that's my cat. That's not your responsibility, like one hundred

635
00:28:40,920 --> 00:28:44,760
Speaker 2: percent mine. But when we got pets together, we got Henry,

636
00:28:44,840 --> 00:28:47,720
Speaker 2: our other cat. I was like, hold up, whose responsibility

637
00:28:47,760 --> 00:28:51,560
Speaker 2: is this? Yeah, like, I'm I think just a financial

638
00:28:51,840 --> 00:28:54,840
Speaker 2: ex financial planner at heart. So I was like, well,

639
00:28:54,840 --> 00:28:57,640
Speaker 2: who's financial responsibility will this speak? Are you going to

640
00:28:57,720 --> 00:28:59,120
Speaker 2: take the cat? Am I going to take the cat?

641
00:28:59,160 --> 00:29:01,120
Speaker 2: And like, we both people, So he was like, well

642
00:29:01,160 --> 00:29:03,200
Speaker 2: you don't get both of them. I was like, yes,

643
00:29:03,200 --> 00:29:04,400
Speaker 2: but are you going to separate them?

644
00:29:04,680 --> 00:29:05,040
Speaker 4: Cruel?

645
00:29:05,240 --> 00:29:07,560
Speaker 2: I know right anyway, So we had all of this

646
00:29:07,640 --> 00:29:11,640
Speaker 2: conversation and there was that discussion of would you move

647
00:29:11,880 --> 00:29:15,080
Speaker 2: for an amazing opportunity and we both kind of said, look,

648
00:29:15,080 --> 00:29:18,400
Speaker 2: it would have to be a life changing opportunity to

649
00:29:18,440 --> 00:29:21,400
Speaker 2: even consider it, because I feel like getting pets and

650
00:29:21,480 --> 00:29:24,680
Speaker 2: talking about home ownership is really putting roots down in

651
00:29:24,720 --> 00:29:27,880
Speaker 2: a way that we hadn't before. But I think if

652
00:29:27,880 --> 00:29:31,440
Speaker 2: we had been twenty two and didn't have pets, maybe

653
00:29:31,480 --> 00:29:33,560
Speaker 2: we would have jumped at it. So I think it's

654
00:29:33,640 --> 00:29:35,640
Speaker 2: just such a sticky situation because it's going to be

655
00:29:35,640 --> 00:29:37,200
Speaker 2: different for absolutely everybody.

656
00:29:37,280 --> 00:29:39,520
Speaker 4: I completely agree. What did everybody else kind of think?

657
00:29:39,560 --> 00:29:41,720
Speaker 4: Because we're both fence sitting right now, which is very

658
00:29:41,800 --> 00:29:42,520
Speaker 4: unlike us.

659
00:29:42,600 --> 00:29:44,200
Speaker 2: I feel like I want to know way more about

660
00:29:44,200 --> 00:29:47,120
Speaker 2: your relationship. And I feel a little bit apprehensive because

661
00:29:47,160 --> 00:29:50,520
Speaker 2: you've said remote location and you've said you're a makeup artist,

662
00:29:50,560 --> 00:29:53,920
Speaker 2: which I feel like is something that is in lower

663
00:29:53,920 --> 00:29:56,760
Speaker 2: demand in remote locations. And I just go, if re

664
00:29:56,760 --> 00:30:00,880
Speaker 2: makeup artists, I know, super passionate son, you imagine taking

665
00:30:00,920 --> 00:30:04,080
Speaker 2: like our friend Hillary out of the makeup world, no

666
00:30:04,520 --> 00:30:07,520
Speaker 2: right at all. She'd just be so flat, like that's

667
00:30:07,560 --> 00:30:10,360
Speaker 2: her entire So I just feel like you're so passionate

668
00:30:10,360 --> 00:30:12,680
Speaker 2: about what you do that maybe you need the passion anyway.

669
00:30:13,000 --> 00:30:15,520
Speaker 2: So someone said, my husband has just taken a step

670
00:30:15,560 --> 00:30:17,840
Speaker 2: back to help my career, soor I would do the

671
00:30:17,880 --> 00:30:20,560
Speaker 2: same thing for him. Someone said, you really need to

672
00:30:20,600 --> 00:30:24,120
Speaker 2: elaborate on the word partner for example, boyfriend or husband.

673
00:30:24,800 --> 00:30:25,440
Speaker 2: I don't think so.

674
00:30:25,880 --> 00:30:27,360
Speaker 4: I think it's a bit old school.

675
00:30:27,640 --> 00:30:28,800
Speaker 2: I agree, what if.

676
00:30:28,680 --> 00:30:30,720
Speaker 4: They don't get married, my sister in law, why do

677
00:30:30,760 --> 00:30:32,840
Speaker 4: you have to get married together forever? They have two kids,

678
00:30:32,840 --> 00:30:34,400
Speaker 4: they're not married, they have no plans to be married.

679
00:30:34,480 --> 00:30:36,680
Speaker 2: Yeah, amen. I don't think that it matters how you

680
00:30:36,720 --> 00:30:39,560
Speaker 2: define it. I think it matters whether you define your

681
00:30:39,600 --> 00:30:41,360
Speaker 2: relationship as ongoing or not.

682
00:30:41,440 --> 00:30:41,640
Speaker 1: Though.

683
00:30:42,040 --> 00:30:44,120
Speaker 2: Yeah, so like, is this just like? I think the

684
00:30:44,240 --> 00:30:47,120
Speaker 2: question maybe is is this just like a boyfriend thing,

685
00:30:47,280 --> 00:30:50,160
Speaker 2: like someone you're just seeing versus like a potential life Yeah,

686
00:30:50,200 --> 00:30:52,280
Speaker 2: but I'm also cut and dry. Don't live with someone

687
00:30:52,360 --> 00:30:55,160
Speaker 2: you don't plan on marrying, or like not marrying, but

688
00:30:55,240 --> 00:30:57,960
Speaker 2: don't plan on staying with Yeah, Like, otherwise you're wasting

689
00:30:57,960 --> 00:31:01,840
Speaker 2: your time and you're wasting theirs by AHD White, Black

690
00:31:01,840 --> 00:31:04,400
Speaker 2: and White. Someone else said, what are your current goals

691
00:31:04,400 --> 00:31:06,160
Speaker 2: and values? Would this move support this?

692
00:31:06,600 --> 00:31:08,240
Speaker 4: Great classic VD answer?

693
00:31:08,360 --> 00:31:10,680
Speaker 2: Someone said, you need to talk to your partner about it,

694
00:31:10,840 --> 00:31:14,840
Speaker 2: thanks rastus. Someone else said, trial long distance for a

695
00:31:14,880 --> 00:31:16,760
Speaker 2: little bit and see if he actually likes it. If

696
00:31:16,760 --> 00:31:18,480
Speaker 2: he does, then revisit the conversation.

697
00:31:18,600 --> 00:31:19,800
Speaker 4: That's a good idea. I like that.

698
00:31:20,240 --> 00:31:23,320
Speaker 2: Someone said, oh man, this one needs a million percent

699
00:31:23,360 --> 00:31:24,040
Speaker 2: more information.

700
00:31:24,200 --> 00:31:24,560
Speaker 4: Agreed.

701
00:31:24,800 --> 00:31:25,200
Speaker 3: Yeah.

702
00:31:25,360 --> 00:31:27,960
Speaker 2: Someone else said, does he have to move to run

703
00:31:28,000 --> 00:31:29,960
Speaker 2: the business? Can you live apart for one year to

704
00:31:30,000 --> 00:31:34,360
Speaker 2: set yourselves up? Someone else said, Northern Territory resident here,

705
00:31:34,680 --> 00:31:37,000
Speaker 2: you also need to think about all the hidden costs

706
00:31:37,000 --> 00:31:41,280
Speaker 2: of living remote and not just getting financial benefit, which

707
00:31:41,320 --> 00:31:43,680
Speaker 2: is true. Everything's more expensive living remote.

708
00:31:43,720 --> 00:31:46,840
Speaker 4: No, so might eat away at the potential larger benefits.

709
00:31:46,960 --> 00:31:48,840
Speaker 2: Yeah, someone else is on the same page as me,

710
00:31:48,960 --> 00:31:51,520
Speaker 2: and they said, could she split her weeks between the

711
00:31:51,560 --> 00:31:53,320
Speaker 2: different locations.

712
00:31:53,120 --> 00:31:54,760
Speaker 4: It's a big thing for someone to take on as

713
00:31:54,760 --> 00:31:59,480
Speaker 4: well though, like just even the mental load, but also financially.

714
00:31:59,520 --> 00:32:00,719
Speaker 2: What now you have two houses?

715
00:32:00,880 --> 00:32:03,800
Speaker 4: Yeah, flights every couple weeks or every month.

716
00:32:04,600 --> 00:32:07,280
Speaker 2: Someone said, can't you work out a way to do both?

717
00:32:07,400 --> 00:32:09,280
Speaker 2: Could you maybe do a fly and fly out type

718
00:32:09,280 --> 00:32:11,120
Speaker 2: of thing. So I think everyone's trying to just make

719
00:32:11,160 --> 00:32:13,280
Speaker 2: everything happen all at one time. Yeah, I get it.

720
00:32:13,760 --> 00:32:17,200
Speaker 2: Someone said, consider your happiness and career in this decision.

721
00:32:17,320 --> 00:32:20,280
Speaker 2: You worked really hard to build your current business. You

722
00:32:20,360 --> 00:32:23,640
Speaker 2: don't necessarily need to put his first. And I think

723
00:32:23,680 --> 00:32:26,880
Speaker 2: that's good. Someone else said, I'd go for it. She

724
00:32:26,920 --> 00:32:29,400
Speaker 2: could set up in the next big town over if

725
00:32:29,400 --> 00:32:30,240
Speaker 2: there is one.

726
00:32:30,240 --> 00:32:32,120
Speaker 4: And that's a good point, like you don't have to

727
00:32:32,120 --> 00:32:34,400
Speaker 4: work immediately close to home if there's if Maybe that

728
00:32:34,520 --> 00:32:36,840
Speaker 4: is a good compromise. Maybe, Oh, I'm happy to drive

729
00:32:37,360 --> 00:32:39,200
Speaker 4: an hour or half an hour because that would be

730
00:32:39,200 --> 00:32:42,200
Speaker 4: a commute for me normally if you can find somewhere

731
00:32:42,200 --> 00:32:42,640
Speaker 4: close by.

732
00:32:42,920 --> 00:32:43,080
Speaker 3: Yeah.

733
00:32:43,200 --> 00:32:45,800
Speaker 2: Someone also said I recently did it. The savings are

734
00:32:45,840 --> 00:32:49,840
Speaker 2: actually epic. Remote people love welcoming new people with skills.

735
00:32:50,360 --> 00:32:54,520
Speaker 4: That isn't clearly the opposite of I just that's why

736
00:32:54,560 --> 00:32:57,640
Speaker 4: this conversation is so hard, Yes, because it's like I

737
00:32:57,680 --> 00:32:58,880
Speaker 4: think the where and the house?

738
00:32:58,960 --> 00:33:01,040
Speaker 2: Yeah, And I think at the crack of this conversation,

739
00:33:01,800 --> 00:33:04,440
Speaker 2: what I would love to think is, regardless of what

740
00:33:04,480 --> 00:33:07,840
Speaker 2: our opinion is, my opinion now think about all of

741
00:33:07,880 --> 00:33:11,000
Speaker 2: this is I hope that you both have been able

742
00:33:11,000 --> 00:33:13,160
Speaker 2: to sit down and look at the pros and cons

743
00:33:13,200 --> 00:33:17,560
Speaker 2: for each person and have a very empathetic conversation where

744
00:33:17,600 --> 00:33:21,120
Speaker 2: your partner can put themselves in your shoes and vice versa,

745
00:33:21,560 --> 00:33:25,400
Speaker 2: because I think that sometimes in these conversations, one party

746
00:33:25,480 --> 00:33:28,160
Speaker 2: gets this epic opportunity and it's the best thing ever,

747
00:33:28,240 --> 00:33:30,320
Speaker 2: and they look at their partner and go, butes, why

748
00:33:30,360 --> 00:33:32,000
Speaker 2: don't you letting me do this? Like this is going

749
00:33:32,040 --> 00:33:37,080
Speaker 2: to change our lives without seeing that maybe there's compromise,

750
00:33:37,200 --> 00:33:40,440
Speaker 2: and every relationship has compromise in it, Like it's not

751
00:33:40,480 --> 00:33:43,120
Speaker 2: one hundred percent you and it's not one hundred percent them.

752
00:33:43,400 --> 00:33:45,800
Speaker 2: So you need to come to a resolution that works

753
00:33:45,800 --> 00:33:47,440
Speaker 2: for both of you. But the best way to do

754
00:33:47,520 --> 00:33:50,760
Speaker 2: that is to have a conversation that not necessarily looks

755
00:33:50,800 --> 00:33:53,680
Speaker 2: at what their perfect outcome is, but well, what is

756
00:33:53,720 --> 00:33:55,840
Speaker 2: the opportunity on the table? How do we look at

757
00:33:55,840 --> 00:33:58,120
Speaker 2: this pragmatically and go all right, well, what is the

758
00:33:58,120 --> 00:34:00,840
Speaker 2: benefit of doing this? What is the benefit of staying here?

759
00:34:00,880 --> 00:34:02,680
Speaker 2: What would our lives look like if we went down

760
00:34:02,760 --> 00:34:05,440
Speaker 2: this pathway versus that pathway? And I think that you

761
00:34:05,560 --> 00:34:09,600
Speaker 2: need to have that holistic conversation and try and take

762
00:34:09,680 --> 00:34:12,480
Speaker 2: your personal opinions out of it. While you have that

763
00:34:12,840 --> 00:34:15,120
Speaker 2: to then go all right, well, now, personal opinions, what

764
00:34:15,200 --> 00:34:17,360
Speaker 2: do you want to do? What are you most drawn to?

765
00:34:18,040 --> 00:34:21,440
Speaker 2: Because I would be most upset if I knew that

766
00:34:21,480 --> 00:34:23,600
Speaker 2: they were just driving it because they really wanted to

767
00:34:23,640 --> 00:34:25,880
Speaker 2: do it, but hadn't really thought about your happiness.

768
00:34:25,960 --> 00:34:29,480
Speaker 4: Yeah, approaching with empathy and kindness and a little bit

769
00:34:29,480 --> 00:34:30,239
Speaker 4: of practicality.

770
00:34:30,400 --> 00:34:32,840
Speaker 2: I agree, I agreed. I think that's all we have

771
00:34:32,920 --> 00:34:34,400
Speaker 2: time for today, is just gricci.

772
00:34:34,680 --> 00:34:36,440
Speaker 4: I think so too. We'll be back next.

773
00:34:36,239 --> 00:34:38,880
Speaker 2: Week with Beck, but until then, have the best weekend

774
00:34:38,920 --> 00:34:40,920
Speaker 2: and we'll see you a Monday for a Money Diary.

775
00:34:41,080 --> 00:34:47,319
Speaker 4: Bye.

776
00:34:48,200 --> 00:34:50,720
Speaker 2: The advice shared on She's on the Money is general

777
00:34:50,800 --> 00:34:54,640
Speaker 2: in nature and does not consider your individual circumstances. She's

778
00:34:54,680 --> 00:34:58,160
Speaker 2: on the Money exists purely for educational purposes and should

779
00:34:58,160 --> 00:35:01,360
Speaker 2: not be relied upon to make an investment or financial decision.

780
00:35:01,719 --> 00:35:04,200
Speaker 2: If you do choose to buy a financial product, read

781
00:35:04,200 --> 00:35:08,360
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

782
00:35:08,360 --> 00:35:11,640
Speaker 2: your needs. Victoria Divine and She's on the Money are

783
00:35:11,719 --> 00:35:15,319
Speaker 2: authorized representatives of money. Sheper p T y lt D

784
00:35:15,560 --> 00:35:18,360
Speaker 2: A b N three two one six four nine two

785
00:35:18,400 --> 00:35:22,040
Speaker 2: seven seven zero eight AFS L four five one two

786
00:35:22,080 --> 00:35:24,720
Speaker 2: eight nine