1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kernye Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's On the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:38,960 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,760 --> 00:01:01,040 Speaker 2: Hello, and welcome to She's on Them the podcast and 13 00:01:01,120 --> 00:01:04,960 Speaker 2: millennials who want financial freedom. Welcome back to another one 14 00:01:04,959 --> 00:01:07,559 Speaker 2: of our money diaries. My favorite episode of the week, 15 00:01:07,600 --> 00:01:10,520 Speaker 2: if I do say so, where I get the absolute 16 00:01:10,520 --> 00:01:12,960 Speaker 2: privilege of talking to one of our incredible Shees on 17 00:01:13,000 --> 00:01:16,399 Speaker 2: the Money community members all about their journey. Let's jump 18 00:01:16,440 --> 00:01:18,920 Speaker 2: straight into it because I got an email this week 19 00:01:18,959 --> 00:01:20,920 Speaker 2: and it sounded exactly like this. 20 00:01:21,640 --> 00:01:21,960 Speaker 1: Hi Ve. 21 00:01:22,319 --> 00:01:26,200 Speaker 2: After growing up with a financially irresponsible and manipulative father, 22 00:01:26,400 --> 00:01:29,600 Speaker 2: I found myself homeless between the ages of twenty to 23 00:01:29,640 --> 00:01:33,000 Speaker 2: twenty two. This was due to wanting to distance myself 24 00:01:33,040 --> 00:01:35,480 Speaker 2: from my dad. But the good news is I have 25 00:01:35,640 --> 00:01:39,479 Speaker 2: flipped my life around and independently bought my first unit 26 00:01:39,520 --> 00:01:42,920 Speaker 2: at twenty five. I'm now working in mental health and 27 00:01:42,959 --> 00:01:48,559 Speaker 2: would love to share my story with the community. Money Diarist, Yes, 28 00:01:48,720 --> 00:01:50,520 Speaker 2: oh my gosh, I'm so proud of you. Are you 29 00:01:50,640 --> 00:01:51,160 Speaker 2: proud of you? 30 00:01:51,400 --> 00:01:53,440 Speaker 4: I am? Yeah, it doesn't feel real. I have to 31 00:01:53,480 --> 00:01:55,880 Speaker 4: pinch myself sometimes to be like, what is happening? 32 00:01:56,200 --> 00:02:02,280 Speaker 2: Imagine like the flip from homeless too, literally owning your 33 00:02:02,320 --> 00:02:06,080 Speaker 2: own unit? What in the wizard? I can't wait to 34 00:02:06,160 --> 00:02:08,799 Speaker 2: learn more? Should we get into it? 35 00:02:09,040 --> 00:02:09,560 Speaker 4: We shall? 36 00:02:09,800 --> 00:02:13,200 Speaker 2: Okay? As always, I ask the same question first, money 37 00:02:13,240 --> 00:02:15,640 Speaker 2: dos If I asked you to give your money habits 38 00:02:15,639 --> 00:02:18,240 Speaker 2: a grade from A through to S, what would you 39 00:02:18,320 --> 00:02:18,839 Speaker 2: grade them? 40 00:02:19,360 --> 00:02:22,280 Speaker 4: I would say A big plus moving towards an A, 41 00:02:22,639 --> 00:02:24,840 Speaker 4: like I've got plans in place to get to an A. 42 00:02:25,200 --> 00:02:29,200 Speaker 2: Oh I love this all right. I feel like you've 43 00:02:29,200 --> 00:02:31,480 Speaker 2: got a story that we are going to be so 44 00:02:31,600 --> 00:02:33,840 Speaker 2: privileged to hear. So let's dive into it. Can you 45 00:02:33,880 --> 00:02:36,640 Speaker 2: tell me a little bit more about your money story? 46 00:02:37,320 --> 00:02:40,919 Speaker 4: Yeah? So obviously it starts at home. I am one 47 00:02:40,960 --> 00:02:44,880 Speaker 4: of twelve, one of twelve. Yeah, I've got eleven siblings, 48 00:02:45,480 --> 00:02:49,280 Speaker 4: so family tree is very messy. I've got five biological siblings, 49 00:02:49,440 --> 00:02:52,880 Speaker 4: three step and four half, so there's like different marriages 50 00:02:52,919 --> 00:02:55,560 Speaker 4: and there different parents. But I knew everyone from the 51 00:02:55,600 --> 00:02:58,000 Speaker 4: age of five and for as long as I can remember, 52 00:02:58,000 --> 00:03:00,840 Speaker 4: I spent one week at mom's, one week at and 53 00:03:00,880 --> 00:03:03,440 Speaker 4: so there were two very different money stories at each house. 54 00:03:04,080 --> 00:03:07,520 Speaker 4: At my mom's house, she was always pretty financially stable. 55 00:03:07,600 --> 00:03:10,400 Speaker 4: She lived very well within her means and was good 56 00:03:10,440 --> 00:03:14,480 Speaker 4: at prioritizing what needed money to be spent on, so 57 00:03:14,520 --> 00:03:17,480 Speaker 4: we never had anything extra because she had six kids, 58 00:03:17,520 --> 00:03:19,800 Speaker 4: so obviously that's a lot to support. 59 00:03:19,919 --> 00:03:21,240 Speaker 2: That's so many minis. 60 00:03:21,639 --> 00:03:23,800 Speaker 4: Yeah, we'd be able to go on school camps, but 61 00:03:23,919 --> 00:03:26,359 Speaker 4: we wouldn't have internet, so she was good at making 62 00:03:26,360 --> 00:03:28,800 Speaker 4: sure that we were all quite well looked after. Thankfully. 63 00:03:28,919 --> 00:03:29,840 Speaker 2: Oh I love her. 64 00:03:30,160 --> 00:03:32,400 Speaker 4: Yeah, she did the best that she could with what 65 00:03:32,560 --> 00:03:35,800 Speaker 4: she had at the time, and she owned her own home. 66 00:03:35,920 --> 00:03:38,880 Speaker 4: She lived an hour from my high school. So as 67 00:03:38,880 --> 00:03:41,440 Speaker 4: I got older, I started going less and less and 68 00:03:41,480 --> 00:03:44,800 Speaker 4: spending more time at my dad's house. And at my 69 00:03:44,880 --> 00:03:48,280 Speaker 4: dad's house, it was the complete opposite. He always lived 70 00:03:48,320 --> 00:03:52,520 Speaker 4: completely outside of his means and was financially manipulative. 71 00:03:53,360 --> 00:03:56,120 Speaker 2: That's so like black and white as well, Like they're 72 00:03:56,160 --> 00:03:59,280 Speaker 2: so different in experiences, Like having a mom like that 73 00:03:59,360 --> 00:04:00,960 Speaker 2: and then having a d like that would have been 74 00:04:01,000 --> 00:04:01,760 Speaker 2: so confusing. 75 00:04:02,360 --> 00:04:05,840 Speaker 4: Yeah, especially when you're younger, because you don't understand manipulation 76 00:04:05,960 --> 00:04:08,560 Speaker 4: at or and you don't understand the power of money, 77 00:04:08,600 --> 00:04:11,200 Speaker 4: I guess, and how it can be used to control people. 78 00:04:11,840 --> 00:04:14,880 Speaker 4: But he owned the family business. Whatever he said went 79 00:04:15,200 --> 00:04:19,000 Speaker 4: really And I had a stepmum at this point, and 80 00:04:19,160 --> 00:04:21,320 Speaker 4: she was great. She would always make sure that we 81 00:04:21,320 --> 00:04:25,120 Speaker 4: were well looked after. And his argument was that she 82 00:04:25,240 --> 00:04:27,159 Speaker 4: was better at looking after people and he was better 83 00:04:27,160 --> 00:04:29,880 Speaker 4: at finances, and so she had no access to family 84 00:04:29,960 --> 00:04:32,000 Speaker 4: finances and he would give her an allowance. 85 00:04:32,120 --> 00:04:32,320 Speaker 1: No. 86 00:04:33,440 --> 00:04:35,680 Speaker 2: Yeah, I'm not gonna say way back then because it's 87 00:04:35,720 --> 00:04:39,360 Speaker 2: not that long ago. But I feel like if you've 88 00:04:39,400 --> 00:04:41,599 Speaker 2: never really been taught any different and then you have 89 00:04:41,680 --> 00:04:45,040 Speaker 2: these conversations and people say, well that's how relationships work, 90 00:04:45,120 --> 00:04:47,680 Speaker 2: you just go, oh, okay, no worries, like because in 91 00:04:47,720 --> 00:04:49,440 Speaker 2: the moment it doesn't feel like that big of a 92 00:04:50,200 --> 00:04:53,600 Speaker 2: like ask and like I could totally gaslight someone into 93 00:04:53,640 --> 00:04:56,720 Speaker 2: believing that me giving them a like an allowance is 94 00:04:56,760 --> 00:04:59,560 Speaker 2: a good idea totally, Like, and I don't mean that 95 00:04:59,600 --> 00:05:01,680 Speaker 2: in a way I ever would like you just go, oh, 96 00:05:01,760 --> 00:05:04,640 Speaker 2: I could definitely like be like no money diarist, Like 97 00:05:04,680 --> 00:05:06,640 Speaker 2: it's actually better to do it this way because then 98 00:05:06,680 --> 00:05:09,080 Speaker 2: will always be financially comfortable and you know what you 99 00:05:09,120 --> 00:05:11,720 Speaker 2: can spend, and like there's definitely ways around it. I 100 00:05:11,720 --> 00:05:13,560 Speaker 2: feel like so many times people hear these stories and 101 00:05:13,600 --> 00:05:15,840 Speaker 2: they're like, well, that's ridiculous, and you're like, you need 102 00:05:15,880 --> 00:05:17,560 Speaker 2: to think a little bit more deeply about. 103 00:05:17,360 --> 00:05:20,279 Speaker 4: This, Yeah, especially when you're worried about family as well. 104 00:05:20,320 --> 00:05:23,400 Speaker 4: Like she, even though she was my stepmom, she really 105 00:05:23,440 --> 00:05:25,640 Speaker 4: like adopted all of us as her own kids. So 106 00:05:25,680 --> 00:05:27,279 Speaker 4: she never wanted to leave because she was like, I 107 00:05:27,320 --> 00:05:29,599 Speaker 4: care so much for these kids, and she had children 108 00:05:29,680 --> 00:05:32,080 Speaker 4: with him, and she really wanted to make sure that 109 00:05:32,080 --> 00:05:33,440 Speaker 4: this dynamic really worked. 110 00:05:33,560 --> 00:05:34,240 Speaker 2: What a honey. 111 00:05:34,760 --> 00:05:37,640 Speaker 4: Yeah, he would give her money and expect her to 112 00:05:39,040 --> 00:05:42,680 Speaker 4: support the family with that money. Meanwhile, any money outside 113 00:05:42,720 --> 00:05:44,720 Speaker 4: of that was his money. So it was like his 114 00:05:44,839 --> 00:05:47,279 Speaker 4: money is his money, and everyone else's money is also 115 00:05:47,400 --> 00:05:47,920 Speaker 4: his money. 116 00:05:48,240 --> 00:05:50,599 Speaker 2: Oh, what's yours is mine and what's mine is mine. 117 00:05:50,680 --> 00:05:52,520 Speaker 2: I love this for him. 118 00:05:52,440 --> 00:05:54,960 Speaker 4: Well, you see, father dumb attack. It did not work 119 00:05:54,960 --> 00:05:56,080 Speaker 4: out for him whatsoever. 120 00:05:56,440 --> 00:05:57,160 Speaker 2: Low key good. 121 00:05:57,520 --> 00:06:01,480 Speaker 4: Yeah, And so she would make sure that we did 122 00:06:01,520 --> 00:06:05,080 Speaker 4: things like after school activities and trying to just make 123 00:06:05,120 --> 00:06:07,440 Speaker 4: sure that we were happy. And meanwhile he would be 124 00:06:07,480 --> 00:06:12,400 Speaker 4: spending ridiculous amounts of money on sports cars and flashy things, 125 00:06:12,480 --> 00:06:15,839 Speaker 4: really trying to look rich and really wanting to have 126 00:06:15,960 --> 00:06:18,039 Speaker 4: this flashy lifestyle that he could not support. 127 00:06:18,120 --> 00:06:22,040 Speaker 2: But he can't even help his kids like ill sir illa. 128 00:06:22,160 --> 00:06:24,240 Speaker 4: Yeah, he would complain about how much was being spent 129 00:06:24,279 --> 00:06:28,240 Speaker 4: on school shoes and things like that. Yeah, it was ridiculous. 130 00:06:28,560 --> 00:06:30,120 Speaker 4: So he never owned his own home. 131 00:06:30,279 --> 00:06:32,320 Speaker 2: Yeah, because he was fake rich exactly. 132 00:06:32,560 --> 00:06:36,040 Speaker 4: So we ended up moving into an apartment above the 133 00:06:36,080 --> 00:06:38,840 Speaker 4: family shop, which was a restum and so it was 134 00:06:38,839 --> 00:06:40,880 Speaker 4: a two bedroom you know, and there was I think 135 00:06:40,920 --> 00:06:43,440 Speaker 4: ten of us living in it at one point. 136 00:06:43,279 --> 00:06:44,719 Speaker 2: Oh my gosh. 137 00:06:44,880 --> 00:06:48,440 Speaker 4: Yeah. And his argument was that we needed to make 138 00:06:48,480 --> 00:06:50,400 Speaker 4: sacrifices so that we could save up for a house 139 00:06:50,400 --> 00:06:53,400 Speaker 4: deposit and one day it would pay off. Okay, we 140 00:06:53,400 --> 00:06:57,320 Speaker 4: all toughed it out, lived in like this quite uncomfortable situation. 141 00:06:57,880 --> 00:07:00,320 Speaker 4: But anytime he saved up enough money to buy house, 142 00:07:00,400 --> 00:07:02,520 Speaker 4: he would just spend it on ridiculous things such as 143 00:07:02,520 --> 00:07:06,000 Speaker 4: like expensive holidays or things like that, trying to look 144 00:07:06,160 --> 00:07:07,600 Speaker 4: rich for his rich friends. 145 00:07:07,839 --> 00:07:11,720 Speaker 2: That's so yuck. Oh my gosh, like low key, I'm 146 00:07:11,760 --> 00:07:13,680 Speaker 2: just frustrated at your dad on your book. 147 00:07:14,680 --> 00:07:17,760 Speaker 4: Yeah, but again, he told everyone that he knew best 148 00:07:17,920 --> 00:07:20,480 Speaker 4: and that he was a financial wizard, and none of 149 00:07:20,520 --> 00:07:23,520 Speaker 4: us knew anything, so we just had to trust him, 150 00:07:23,600 --> 00:07:26,000 Speaker 4: and everything that he did was for the family anyway. 151 00:07:26,040 --> 00:07:29,200 Speaker 2: So oh that's so kind. Yeah, okay, well in that case. 152 00:07:29,680 --> 00:07:32,960 Speaker 4: Yeah, so from the age of five, I was always 153 00:07:33,000 --> 00:07:35,160 Speaker 4: working for any money that I had. It was doing 154 00:07:35,200 --> 00:07:37,080 Speaker 4: chores around the house to be able to buy chocolate. 155 00:07:37,560 --> 00:07:39,760 Speaker 4: And when I was twelve, I started working in the 156 00:07:39,800 --> 00:07:43,360 Speaker 4: family business as well, getting pocket money and things like that. 157 00:07:43,520 --> 00:07:45,800 Speaker 4: And I'd always have to save up for anything that 158 00:07:45,840 --> 00:07:50,000 Speaker 4: I wanted to do that wasn't school or one activity. 159 00:07:50,720 --> 00:07:53,160 Speaker 4: And by the time I was sixteen, I was pretty 160 00:07:53,240 --> 00:07:56,040 Speaker 4: much the only kid left that was interested in the 161 00:07:56,080 --> 00:07:58,880 Speaker 4: family business. So it was really jilled into me that 162 00:07:58,920 --> 00:08:00,800 Speaker 4: like this is going to be yours. You need to 163 00:08:00,840 --> 00:08:03,280 Speaker 4: focus on it, you need to help manage it, you 164 00:08:03,320 --> 00:08:06,120 Speaker 4: need to start doing bookkeeping things like that, and I 165 00:08:06,200 --> 00:08:09,120 Speaker 4: didn't have any time to think about any other future 166 00:08:09,120 --> 00:08:12,480 Speaker 4: that I wanted. It was all just family business, family business. 167 00:08:13,120 --> 00:08:16,240 Speaker 4: And as I started doing the bookkeeping, along with that 168 00:08:16,680 --> 00:08:18,880 Speaker 4: came with seeing how much debt he was in. 169 00:08:19,280 --> 00:08:23,000 Speaker 2: Oh, it's bold of him to like allow you into 170 00:08:23,040 --> 00:08:27,480 Speaker 2: that space, given how irresponsible he was. Honestly, sometimes men 171 00:08:27,520 --> 00:08:29,080 Speaker 2: in their audacity confuses me. 172 00:08:29,920 --> 00:08:32,199 Speaker 4: I think he thought there was nothing wrong with it. 173 00:08:32,840 --> 00:08:34,640 Speaker 4: He was like, well, this is just part of being 174 00:08:34,640 --> 00:08:35,400 Speaker 4: a businessman. 175 00:08:35,679 --> 00:08:37,800 Speaker 2: No, it's not by Yeah. 176 00:08:37,920 --> 00:08:40,040 Speaker 4: I think he thought that he was really smart for 177 00:08:40,080 --> 00:08:43,840 Speaker 4: the way that he would evade so many debts and 178 00:08:43,880 --> 00:08:46,960 Speaker 4: how he managed to make it work. But really I 179 00:08:46,960 --> 00:08:49,040 Speaker 4: saw that he was just lying to so many people. 180 00:08:49,200 --> 00:08:53,880 Speaker 4: He was caught evading taxes within the business. He owed 181 00:08:53,920 --> 00:08:56,080 Speaker 4: tens of thousands of dollars to our food supply to 182 00:08:56,080 --> 00:08:58,120 Speaker 4: the point that they were don't need to cut the 183 00:08:58,120 --> 00:09:00,679 Speaker 4: business off, which would mean that the business wouldn't be 184 00:09:00,679 --> 00:09:04,320 Speaker 4: able to run anymore. He owed money to friends. Yeah, 185 00:09:04,320 --> 00:09:08,080 Speaker 4: And I think seeing all of that just made me 186 00:09:08,120 --> 00:09:11,160 Speaker 4: realize I never wanted to look rich. I never wanted 187 00:09:11,160 --> 00:09:13,440 Speaker 4: to care for that because I saw how ridiculous it was. 188 00:09:13,480 --> 00:09:16,320 Speaker 4: I saw that it leads to nothing. It just leads 189 00:09:16,360 --> 00:09:20,120 Speaker 4: to more debt and embarrassment and having to dodge people. 190 00:09:20,400 --> 00:09:23,040 Speaker 4: And yeah, so it really taught me that I never 191 00:09:23,080 --> 00:09:25,960 Speaker 4: wanted credit cards, I never wanted to live outside of 192 00:09:25,960 --> 00:09:29,720 Speaker 4: my means. I never wanted to owe anyone anything. And 193 00:09:29,760 --> 00:09:32,640 Speaker 4: I'm glad for that lesson that it taught me. And 194 00:09:32,679 --> 00:09:36,679 Speaker 4: so when I was twenty, I got my license, and 195 00:09:36,840 --> 00:09:40,079 Speaker 4: I decided I had had enough and I didn't want 196 00:09:40,120 --> 00:09:44,520 Speaker 4: to be around him anymore for the financial aspect, but 197 00:09:44,559 --> 00:09:46,840 Speaker 4: also for so many other things that were going on 198 00:09:46,880 --> 00:09:48,959 Speaker 4: as well. So I told everyone that I was going 199 00:09:49,000 --> 00:09:52,800 Speaker 4: on a camping trip and then I drove sixteen hours 200 00:09:52,960 --> 00:09:55,120 Speaker 4: away where I had a job lined up in a 201 00:09:55,160 --> 00:09:58,640 Speaker 4: food truck. And yeah, that was the start of me 202 00:09:58,920 --> 00:10:01,040 Speaker 4: running away and being for two years. 203 00:10:01,120 --> 00:10:03,200 Speaker 2: You said you were going on a camping trip, and 204 00:10:03,280 --> 00:10:05,559 Speaker 2: you kind of were, but you were lying. 205 00:10:06,760 --> 00:10:08,640 Speaker 4: That's just a really long camping trip. 206 00:10:08,720 --> 00:10:10,800 Speaker 2: How long did people think you were going for? 207 00:10:11,040 --> 00:10:13,000 Speaker 4: I think like a week or two. It was funny. 208 00:10:13,120 --> 00:10:16,120 Speaker 4: One of our family friends worked in the shop and 209 00:10:16,160 --> 00:10:18,680 Speaker 4: she saw me packing my bags and she was like, 210 00:10:18,800 --> 00:10:20,840 Speaker 4: you're not coming back, are you? And I was like, no, 211 00:10:21,160 --> 00:10:24,360 Speaker 4: I'm not a shuing you, but my family didn't know. 212 00:10:24,960 --> 00:10:29,760 Speaker 2: Yeah, which I think obviously you were putting you first 213 00:10:29,880 --> 00:10:32,480 Speaker 2: and that was like clearly the best and safest way 214 00:10:32,520 --> 00:10:35,400 Speaker 2: to go about that circumstance. So I'm very proud of 215 00:10:35,400 --> 00:10:38,840 Speaker 2: you for that. But in that moment when somebody was 216 00:10:38,880 --> 00:10:42,040 Speaker 2: like you're not coming back, are you? Were you worried 217 00:10:42,240 --> 00:10:44,120 Speaker 2: that they would I guess dip a dub on you 218 00:10:44,360 --> 00:10:47,720 Speaker 2: or you like, no, everyone can see how toxic this is. 219 00:10:47,800 --> 00:10:48,760 Speaker 2: That would make sense. 220 00:10:49,120 --> 00:10:51,640 Speaker 4: Everyone could see how toxic it was, especially because we 221 00:10:51,640 --> 00:10:54,600 Speaker 4: were living at the shop and so all this stuff. 222 00:10:54,679 --> 00:10:58,000 Speaker 4: Could see the dynamics and whatnot. But everyone was scared 223 00:10:58,040 --> 00:11:00,240 Speaker 4: of him, like he was good at making shotte were 224 00:11:00,320 --> 00:11:02,640 Speaker 4: scared of him. So everyone could see how toxic it was. 225 00:11:02,880 --> 00:11:05,880 Speaker 4: And I wasn't worried that she would tell anyone because 226 00:11:07,000 --> 00:11:08,840 Speaker 4: we had such a good connection. She didn't know me 227 00:11:08,880 --> 00:11:10,040 Speaker 4: since I was like two years old. 228 00:11:10,200 --> 00:11:13,800 Speaker 2: Oh my heart. And so yeah, baby, you get seen 229 00:11:13,800 --> 00:11:16,679 Speaker 2: a car drive sixteen hours, you find a job up 230 00:11:16,679 --> 00:11:19,960 Speaker 2: at a food truck, How did you survive? 231 00:11:20,720 --> 00:11:22,800 Speaker 4: So the food truck, it was one that would do 232 00:11:22,960 --> 00:11:25,440 Speaker 4: events and they just paid me cash in hand. It 233 00:11:25,480 --> 00:11:28,760 Speaker 4: wasn't a well paying job, but cash is cash, yeah exactly, 234 00:11:28,920 --> 00:11:31,640 Speaker 4: And so I just became really good at making sure 235 00:11:31,760 --> 00:11:34,680 Speaker 4: money was stretching. And the people that I worked for 236 00:11:34,800 --> 00:11:38,440 Speaker 4: I absolutely adored. It was like a little family. They 237 00:11:38,480 --> 00:11:41,240 Speaker 4: didn't know what was happening back home, but they knew 238 00:11:41,280 --> 00:11:42,840 Speaker 4: that I was going through something, and they were very 239 00:11:42,920 --> 00:11:45,880 Speaker 4: understanding if I was having bad mental health days and 240 00:11:45,920 --> 00:11:48,760 Speaker 4: things like that. And the work itself wasn't very steady, 241 00:11:48,800 --> 00:11:51,920 Speaker 4: but yeah, it was something, and I, honestly he was 242 00:11:51,960 --> 00:11:54,000 Speaker 4: just happy to be free and to be doing my 243 00:11:54,080 --> 00:11:56,760 Speaker 4: own thing and to not be under anyone's thumb anymore, 244 00:11:56,800 --> 00:12:01,160 Speaker 4: and to be figuring out how to do things for myself. Yeah, 245 00:12:01,200 --> 00:12:03,560 Speaker 4: And so it stuck out for so long. I will 246 00:12:03,600 --> 00:12:06,960 Speaker 4: say as well, lots of people don't know that most 247 00:12:06,960 --> 00:12:11,280 Speaker 4: homeless people aren't visibly homeless. It's under ten percent of 248 00:12:11,320 --> 00:12:12,559 Speaker 4: people are love sleepers. 249 00:12:12,760 --> 00:12:15,240 Speaker 2: Yeah, it's not people just sleeping on the streets. 250 00:12:15,640 --> 00:12:19,080 Speaker 4: Yeah exactly. And women are also less likely to reach 251 00:12:19,120 --> 00:12:22,600 Speaker 4: out for help because of the stigma around it, fears 252 00:12:22,679 --> 00:12:26,840 Speaker 4: of safety, yeah, and also the hyperindependence that comes with 253 00:12:27,040 --> 00:12:28,640 Speaker 4: dealing with all of that trauma. 254 00:12:28,840 --> 00:12:31,320 Speaker 2: We also just don't want other people to see our struggles, 255 00:12:31,360 --> 00:12:34,520 Speaker 2: so we're more likely to hide it from people, which 256 00:12:34,520 --> 00:12:37,640 Speaker 2: are so you got pretty good at So, yeah, the 257 00:12:37,720 --> 00:12:40,160 Speaker 2: people that surrounded you, the people you worked for, did 258 00:12:40,160 --> 00:12:42,440 Speaker 2: they know you were homeless? What did they think? 259 00:12:42,600 --> 00:12:46,520 Speaker 4: Because they went around to events, I would travel along 260 00:12:46,600 --> 00:12:50,240 Speaker 4: with them, and they knew that I wasn't like living 261 00:12:50,280 --> 00:12:53,200 Speaker 4: anywhere stably. But I don't know. I think that they 262 00:12:53,240 --> 00:12:55,720 Speaker 4: were just like, okay, like you're capable, you're doing your thing. 263 00:12:55,880 --> 00:12:58,480 Speaker 4: I don't know, they never really worry too much about it. 264 00:12:58,520 --> 00:13:00,360 Speaker 4: They're very non judgmental. 265 00:13:00,200 --> 00:13:02,600 Speaker 2: That And I'm glad you found that because that's exactly 266 00:13:02,640 --> 00:13:04,560 Speaker 2: what you needed at that point in time. So were 267 00:13:04,640 --> 00:13:07,080 Speaker 2: you just living out of your car or were you 268 00:13:07,160 --> 00:13:08,160 Speaker 2: actually camping? 269 00:13:08,280 --> 00:13:08,360 Speaker 1: Like? 270 00:13:08,559 --> 00:13:10,600 Speaker 2: Is there any truth to the camping story? 271 00:13:10,679 --> 00:13:14,040 Speaker 4: My friend, there is there is. So I was looking 272 00:13:14,080 --> 00:13:16,840 Speaker 4: at my car and I also had a tent, and 273 00:13:16,920 --> 00:13:19,880 Speaker 4: so I would travel to an event work that and 274 00:13:19,920 --> 00:13:22,199 Speaker 4: I would camp there like on site because it was 275 00:13:22,240 --> 00:13:25,280 Speaker 4: like a camping space. And then in between events, I 276 00:13:25,280 --> 00:13:28,280 Speaker 4: would just go to the nearest forest. I would look 277 00:13:28,360 --> 00:13:31,200 Speaker 4: up free campsites and then just camp there and do 278 00:13:31,280 --> 00:13:33,040 Speaker 4: my thing. I had like a guest over had a 279 00:13:33,120 --> 00:13:34,760 Speaker 4: jug of water as good. 280 00:13:35,240 --> 00:13:38,680 Speaker 2: Oh my gosh, how were you managing safety? I think 281 00:13:38,760 --> 00:13:41,280 Speaker 2: that's the first thing that comes into my mind, Like, 282 00:13:41,840 --> 00:13:43,559 Speaker 2: you know, at the end of the day, like, if 283 00:13:43,559 --> 00:13:45,400 Speaker 2: you want to camp, go for it. But like, I 284 00:13:45,440 --> 00:13:48,200 Speaker 2: don't even know that i'd feel comfortable going camping on 285 00:13:48,240 --> 00:13:51,959 Speaker 2: my own, let alone doing it for two years. How 286 00:13:52,000 --> 00:13:54,880 Speaker 2: are you looking after yourself making sure that you were okay? 287 00:13:55,400 --> 00:13:57,840 Speaker 4: So there were times I was with friends that would 288 00:13:57,880 --> 00:14:00,920 Speaker 4: also work these events and we would camp together, but 289 00:14:01,720 --> 00:14:06,839 Speaker 4: I also was in the mental state of my home 290 00:14:06,960 --> 00:14:09,840 Speaker 4: wasn't safe for so long, and so what's the worst 291 00:14:09,880 --> 00:14:11,839 Speaker 4: that can happen out here? Like the worst can happen 292 00:14:11,920 --> 00:14:16,360 Speaker 4: at home, So I'm safer by myself out here. 293 00:14:16,480 --> 00:14:20,080 Speaker 2: That breaks my heart because obviously that's showing my privilege 294 00:14:20,120 --> 00:14:22,920 Speaker 2: to be like, oh, like I would feel so unsafe, 295 00:14:22,920 --> 00:14:24,680 Speaker 2: and you're like, Victoria, do you know how unsafe my 296 00:14:24,720 --> 00:14:28,360 Speaker 2: house was? Like it's better to be alone in a forest, 297 00:14:29,080 --> 00:14:30,640 Speaker 2: And it just it makes me want to wrap you 298 00:14:30,720 --> 00:14:32,680 Speaker 2: up and be like, I'm so sorry you had to 299 00:14:32,720 --> 00:14:35,440 Speaker 2: go through that, But like I can also see how 300 00:14:35,440 --> 00:14:37,720 Speaker 2: stoic you are. I'm like, oh, she's a cool human, 301 00:14:37,800 --> 00:14:39,800 Speaker 2: Like she's been through some stuff. She's going to know 302 00:14:39,840 --> 00:14:42,600 Speaker 2: a million more things than I do about life and 303 00:14:42,640 --> 00:14:43,400 Speaker 2: how to live. 304 00:14:43,720 --> 00:14:45,120 Speaker 4: So just different things. 305 00:14:45,240 --> 00:14:48,000 Speaker 2: Yeah, but like you just I love it. I love 306 00:14:48,240 --> 00:14:51,520 Speaker 2: meeting people who have diverse experience to me. But tell 307 00:14:51,520 --> 00:14:54,040 Speaker 2: me now, because you've gone from we're talking about I 308 00:14:54,040 --> 00:14:56,040 Speaker 2: guess the ages of twenty to twenty two with you 309 00:14:56,080 --> 00:14:58,880 Speaker 2: at the moment, how did all of that, I guess 310 00:14:58,920 --> 00:15:01,720 Speaker 2: come to an end? You still working for the food 311 00:15:01,720 --> 00:15:04,480 Speaker 2: truck company. Like, tell me about life? How did it progress? 312 00:15:05,200 --> 00:15:09,560 Speaker 4: It progressed through COVID actually, so, as I said, I'd 313 00:15:09,720 --> 00:15:13,920 Speaker 4: not gotten any support through that time. And then when 314 00:15:13,960 --> 00:15:16,400 Speaker 4: I was twenty two, COVID hit and I had to 315 00:15:16,400 --> 00:15:18,280 Speaker 4: think about where I wanted to be for that time, 316 00:15:18,400 --> 00:15:20,320 Speaker 4: and so I decided to come back to my wind 317 00:15:20,840 --> 00:15:23,760 Speaker 4: because that's where my main support network was, and for 318 00:15:23,800 --> 00:15:27,120 Speaker 4: the first time, I access center Link. The funny thing 319 00:15:27,160 --> 00:15:29,960 Speaker 4: with sendl link is you have to have an address 320 00:15:30,000 --> 00:15:31,800 Speaker 4: to get something. So I couldn't get it while I 321 00:15:31,840 --> 00:15:34,560 Speaker 4: was homeless because I didn't have a stable place that 322 00:15:34,600 --> 00:15:35,200 Speaker 4: I was living. 323 00:15:35,320 --> 00:15:38,920 Speaker 2: What the heck? That's like the worst kick you while 324 00:15:38,960 --> 00:15:41,200 Speaker 2: you're down moment. It's like, I actually need scent Link 325 00:15:41,240 --> 00:15:42,480 Speaker 2: so I can get a house, And they're like, we'll 326 00:15:42,480 --> 00:15:44,000 Speaker 2: get a house and we'll give you send a link. 327 00:15:44,480 --> 00:15:47,880 Speaker 4: Yeah, exactly, And so I started renting a place and 328 00:15:48,040 --> 00:15:51,560 Speaker 4: obviously settlink at that moment got increased so much and 329 00:15:51,600 --> 00:15:54,080 Speaker 4: it was the most stable income I'd had, and it 330 00:15:54,120 --> 00:15:57,720 Speaker 4: was the first time in years that I had a 331 00:15:57,760 --> 00:16:01,080 Speaker 4: house and I felt safe and I felt safe, and 332 00:16:01,640 --> 00:16:03,720 Speaker 4: I finally had time to be like, Okay, like, what 333 00:16:03,800 --> 00:16:05,480 Speaker 4: is it that I want to do into the future, 334 00:16:05,560 --> 00:16:07,320 Speaker 4: you know, in five years time, where do I see 335 00:16:07,360 --> 00:16:10,240 Speaker 4: myself going? And I knew that the lifestyle that I 336 00:16:10,320 --> 00:16:13,960 Speaker 4: had then wasn't long term, Like I wasn't going to 337 00:16:14,000 --> 00:16:14,600 Speaker 4: be able to do that. 338 00:16:14,680 --> 00:16:15,880 Speaker 2: Yeah, it's not sustainable. 339 00:16:16,120 --> 00:16:18,840 Speaker 4: Yeah. So I had time to reflect and I realized 340 00:16:18,880 --> 00:16:21,880 Speaker 4: that I love helping people, and so I decided to 341 00:16:21,880 --> 00:16:25,160 Speaker 4: study community services yep, And so I started studying that. 342 00:16:25,280 --> 00:16:30,200 Speaker 4: While I was studying, I was also volunteering in child protection. Again, 343 00:16:30,320 --> 00:16:33,120 Speaker 4: having so much lived experience, I wanted to help other 344 00:16:33,160 --> 00:16:35,640 Speaker 4: people that were going through that, and so I was 345 00:16:35,800 --> 00:16:39,400 Speaker 4: doing a living role that was unpaid, but I lived 346 00:16:39,440 --> 00:16:43,120 Speaker 4: with two sixteen year old girls that also didn't feel 347 00:16:43,160 --> 00:16:43,960 Speaker 4: safe living at home. 348 00:16:44,160 --> 00:16:45,880 Speaker 2: So you're such a special human. 349 00:16:46,400 --> 00:16:50,960 Speaker 4: Aha, thank you. Yeah. I think just having the experience 350 00:16:50,960 --> 00:16:53,360 Speaker 4: that I did and knowing what it's like to be 351 00:16:53,400 --> 00:16:55,600 Speaker 4: in that situation. I want to help others that would 352 00:16:55,600 --> 00:16:58,480 Speaker 4: be in that situation having been on the other end 353 00:16:58,520 --> 00:17:01,920 Speaker 4: of it and showing them it was possible. And so 354 00:17:02,000 --> 00:17:04,800 Speaker 4: while I was volunteering in that, I wasn't paying any 355 00:17:04,840 --> 00:17:07,000 Speaker 4: rent or bills because it was again a. 356 00:17:06,960 --> 00:17:08,480 Speaker 2: Volunteer posiition money win. 357 00:17:08,600 --> 00:17:10,840 Speaker 4: So that helped me save up to pay off my 358 00:17:11,080 --> 00:17:13,680 Speaker 4: UNI as well as I build a bit more with 359 00:17:13,840 --> 00:17:14,880 Speaker 4: savings behind me. 360 00:17:15,000 --> 00:17:16,800 Speaker 2: How long did it take you to do your studies? 361 00:17:16,840 --> 00:17:19,400 Speaker 4: Sorry, it was only a certificate, so it took a year. 362 00:17:19,680 --> 00:17:20,600 Speaker 2: Yeah, good work, So. 363 00:17:20,680 --> 00:17:23,879 Speaker 4: Yeah, I did a year and then yeah, I started 364 00:17:23,920 --> 00:17:27,560 Speaker 4: working in disability support and realizing that I worked best 365 00:17:27,600 --> 00:17:30,800 Speaker 4: with people with mental health because that's where I had 366 00:17:30,800 --> 00:17:33,440 Speaker 4: the most experience. I know here I am. 367 00:17:33,600 --> 00:17:36,359 Speaker 2: I'm so impressed at the start, I said, are you 368 00:17:36,440 --> 00:17:39,280 Speaker 2: proud of yourself? Well, obviously after going through all of 369 00:17:39,320 --> 00:17:42,960 Speaker 2: that and now you've lived your life around, you're working 370 00:17:43,160 --> 00:17:47,159 Speaker 2: in a space that you love. Where's the house come in? 371 00:17:47,480 --> 00:17:49,399 Speaker 2: How did you buy your own unit? So you were 372 00:17:49,440 --> 00:17:52,399 Speaker 2: saving up. I'm going to need some more information on that, 373 00:17:52,520 --> 00:17:55,919 Speaker 2: because the idea that you can go from homeless at 374 00:17:55,920 --> 00:17:59,920 Speaker 2: twenty two to buying your first unit at twenty five 375 00:18:00,359 --> 00:18:02,960 Speaker 2: is wild because it takes some people ten plus years 376 00:18:02,960 --> 00:18:03,880 Speaker 2: to save a deposit. 377 00:18:04,640 --> 00:18:07,200 Speaker 4: It actually only took me a year to save. 378 00:18:07,440 --> 00:18:12,600 Speaker 2: It's because you're a genius. Yeah, okay, so sorry, But 379 00:18:12,720 --> 00:18:15,080 Speaker 2: like I'll get into like that when we talk about debt, 380 00:18:15,080 --> 00:18:17,920 Speaker 2: But was that something you ever first saw in your future? Like, oh, yep, 381 00:18:17,960 --> 00:18:19,320 Speaker 2: do you know what, in a couple of years, I'm 382 00:18:19,320 --> 00:18:20,639 Speaker 2: just going to own my own house. 383 00:18:21,119 --> 00:18:23,720 Speaker 4: I never saw myself owning my own house. I actually 384 00:18:23,720 --> 00:18:27,600 Speaker 4: wanted to buy land and not my house. But to 385 00:18:27,640 --> 00:18:30,080 Speaker 4: be able to buy land, I needed to first buy 386 00:18:30,080 --> 00:18:33,200 Speaker 4: a house. Yeah, to get out of the rent cycle. Yeah, 387 00:18:33,200 --> 00:18:35,960 Speaker 4: I didn't think that it would happen as quickly, but 388 00:18:36,040 --> 00:18:39,280 Speaker 4: I also didn't think that it wasn't not possible as well. 389 00:18:39,400 --> 00:18:41,680 Speaker 4: I try not to give myself limiting beliefs. 390 00:18:41,800 --> 00:18:44,640 Speaker 2: I can see that, and I really like that. So 391 00:18:44,720 --> 00:18:48,320 Speaker 2: tell me a bit more about this not having limiting beliefs, 392 00:18:48,320 --> 00:18:50,439 Speaker 2: because one that's really special. It's something that we are 393 00:18:50,480 --> 00:18:52,800 Speaker 2: always like jumping up and down about. Its cheese on 394 00:18:52,840 --> 00:18:56,040 Speaker 2: the money, but so many people have How have you 395 00:18:56,160 --> 00:18:59,560 Speaker 2: gone through such adversity and still have this no no, No. 396 00:18:59,760 --> 00:19:02,520 Speaker 2: If I want something to happen, like I'm young, I 397 00:19:02,560 --> 00:19:05,159 Speaker 2: have the ability, I'm going to get it done. Like, 398 00:19:05,840 --> 00:19:07,200 Speaker 2: can you please share your wisdom? 399 00:19:07,640 --> 00:19:12,719 Speaker 4: Yeah? I think my stepmom was a big inspiration for that, 400 00:19:12,840 --> 00:19:15,040 Speaker 4: because when we were growing up, it was never like, oh, 401 00:19:15,040 --> 00:19:17,720 Speaker 4: we can't afford that. It was always Okay, let's figure 402 00:19:17,720 --> 00:19:20,000 Speaker 4: out how we can make that work. And if you 403 00:19:20,000 --> 00:19:22,040 Speaker 4: want that, you're going to have to sacrifice something else, 404 00:19:22,080 --> 00:19:24,439 Speaker 4: so weigh up your options, and she really dug that 405 00:19:24,520 --> 00:19:27,959 Speaker 4: into us. So I think having that and then also 406 00:19:29,119 --> 00:19:32,159 Speaker 4: running away and seeing how I could live independently with 407 00:19:32,280 --> 00:19:36,119 Speaker 4: so little for two years really showed me what I 408 00:19:36,160 --> 00:19:38,040 Speaker 4: am capable of because I never thought that I'd be 409 00:19:38,080 --> 00:19:39,439 Speaker 4: able to do that when I was younger. 410 00:19:39,720 --> 00:19:40,440 Speaker 2: I'm obsessed. 411 00:19:40,760 --> 00:19:42,320 Speaker 4: Yeah, and I was just like, you know what, I 412 00:19:42,359 --> 00:19:43,119 Speaker 4: can do anything? 413 00:19:43,160 --> 00:19:47,280 Speaker 2: Actually, you absolutely can, and I adore it all right, 414 00:19:47,359 --> 00:19:50,160 Speaker 2: So tell me now, what is your job description and 415 00:19:50,200 --> 00:19:51,560 Speaker 2: how much money do you earn? 416 00:19:51,840 --> 00:19:55,440 Speaker 4: So I work for myself, so I guess the self 417 00:19:55,480 --> 00:20:00,560 Speaker 4: appointed title is independent mental health support worker. And then 418 00:20:00,720 --> 00:20:04,480 Speaker 4: the hours fluctuate a lot, again working for myself, but 419 00:20:04,680 --> 00:20:09,720 Speaker 4: last year I made just over one hundred k before deductions. 420 00:20:09,960 --> 00:20:12,960 Speaker 2: No, you didn't. Yeah, oh my gosh, what a queen. 421 00:20:13,760 --> 00:20:16,639 Speaker 4: Yeah, I think being so good at my job, a 422 00:20:16,680 --> 00:20:19,600 Speaker 4: lot of my clients want to work more and more 423 00:20:19,640 --> 00:20:21,320 Speaker 4: with me, so it just kind of snowballed. It was 424 00:20:21,359 --> 00:20:23,439 Speaker 4: like I had one client and then they referred me 425 00:20:23,440 --> 00:20:25,679 Speaker 4: on to someone else, and then they all wanted me 426 00:20:25,720 --> 00:20:27,200 Speaker 4: to work as much as I could for them. 427 00:20:27,560 --> 00:20:28,600 Speaker 2: Things happen to good people. 428 00:20:28,640 --> 00:20:29,040 Speaker 3: My love. 429 00:20:29,480 --> 00:20:31,399 Speaker 4: It's also a job that I love so much, so 430 00:20:31,480 --> 00:20:33,600 Speaker 4: it's quite easy for me to work a lot because 431 00:20:33,640 --> 00:20:36,959 Speaker 4: it's really just me going over and helping people. And 432 00:20:37,000 --> 00:20:40,960 Speaker 4: then this year I'm on track to make one hundred 433 00:20:40,960 --> 00:20:42,560 Speaker 4: and fifty k after deduction. 434 00:20:42,880 --> 00:20:46,520 Speaker 2: What Yeah, did you ever think that this was going 435 00:20:46,600 --> 00:20:49,640 Speaker 2: to be a thing. Like from having a little guest 436 00:20:49,640 --> 00:20:52,960 Speaker 2: stove finding free camping spots to being like, oh well, 437 00:20:53,000 --> 00:20:55,280 Speaker 2: actually this year I'm earning one hundred and fifty grand. Like, 438 00:20:55,520 --> 00:20:57,960 Speaker 2: do you know how proud passed you is of like 439 00:20:58,080 --> 00:20:58,560 Speaker 2: current you? 440 00:20:59,040 --> 00:21:02,760 Speaker 4: She's like screaming, Yeah, I'm very big on journaling. Quite often, 441 00:21:02,800 --> 00:21:06,280 Speaker 4: I'm like, damn, younger me would be bamboozled by what 442 00:21:06,400 --> 00:21:07,320 Speaker 4: is happening right now. 443 00:21:07,560 --> 00:21:11,520 Speaker 2: You're like the older sibling that younger you needed, And 444 00:21:11,600 --> 00:21:15,240 Speaker 2: I love that. I love it so much. So you've 445 00:21:15,280 --> 00:21:18,639 Speaker 2: bought your first unit. What are your current big money goals? 446 00:21:18,680 --> 00:21:20,440 Speaker 2: What are you working towards right now? 447 00:21:20,600 --> 00:21:22,480 Speaker 4: I think it comes in steps. So, as I said, 448 00:21:22,480 --> 00:21:25,520 Speaker 4: I want to eventually buy land and kind of live 449 00:21:25,600 --> 00:21:27,400 Speaker 4: off the grid with that and be a bit more 450 00:21:27,440 --> 00:21:30,239 Speaker 4: financially independent, meaning that I won't have to work as 451 00:21:30,320 --> 00:21:31,879 Speaker 4: much as I am right now. I won't have to 452 00:21:31,920 --> 00:21:34,359 Speaker 4: be earning one hundred k a year to be able 453 00:21:34,400 --> 00:21:37,920 Speaker 4: to support that lifestyle. So to get there, my big 454 00:21:37,960 --> 00:21:40,960 Speaker 4: money gold moment is renovate my house, which I'm in 455 00:21:40,960 --> 00:21:41,680 Speaker 4: the middle of doing. 456 00:21:41,840 --> 00:21:42,720 Speaker 2: Oh exciting. 457 00:21:43,040 --> 00:21:45,000 Speaker 4: I've got a lot of family members that are good 458 00:21:45,200 --> 00:21:49,600 Speaker 4: with ideas for renovations, so yes, that's under way, as 459 00:21:49,640 --> 00:21:52,440 Speaker 4: well as then knocking down a bit of my mortgage. 460 00:21:52,760 --> 00:21:54,800 Speaker 2: I love that so much. All right, let's go to 461 00:21:54,840 --> 00:21:57,439 Speaker 2: a really quick break because I have one million and 462 00:21:57,560 --> 00:21:59,679 Speaker 2: one questions for you that I sadly I'm not going 463 00:21:59,720 --> 00:22:02,280 Speaker 2: to all in this episode. Let's go to a really 464 00:22:02,320 --> 00:22:04,000 Speaker 2: quick break and on the flip side, we can have 465 00:22:04,040 --> 00:22:06,320 Speaker 2: a chat about investment and the debt that you've taken 466 00:22:06,359 --> 00:22:09,000 Speaker 2: on for this property and your good and bad money habits. 467 00:22:09,040 --> 00:22:16,440 Speaker 2: So guys, don't go anywhere money, Diarist. We are back, 468 00:22:16,480 --> 00:22:18,560 Speaker 2: and I am so insanely proud of you, like it 469 00:22:18,600 --> 00:22:21,679 Speaker 2: makes me so happy to know that you are thriving. 470 00:22:22,400 --> 00:22:24,960 Speaker 2: Can I ask you now? Do you invest? If so, 471 00:22:25,160 --> 00:22:27,080 Speaker 2: what are you investing in? If not, do you have 472 00:22:27,160 --> 00:22:28,320 Speaker 2: a plan to invest? 473 00:22:28,640 --> 00:22:30,919 Speaker 4: I do have quite a few investments. 474 00:22:30,960 --> 00:22:32,119 Speaker 2: Why am I not surprised? 475 00:22:34,440 --> 00:22:36,720 Speaker 4: I feel like the first two you're not gonna love. 476 00:22:36,840 --> 00:22:38,920 Speaker 2: That's okay, there's no judgment in this house. 477 00:22:39,119 --> 00:22:40,679 Speaker 4: So the first one is my super? 478 00:22:41,040 --> 00:22:42,320 Speaker 2: What do you mean I'm not gonna love? 479 00:22:43,160 --> 00:22:44,600 Speaker 4: Just give me a second. I feel like you're not 480 00:22:44,600 --> 00:22:46,600 Speaker 4: gonna love it. So keep in mind that I did 481 00:22:46,600 --> 00:22:49,040 Speaker 4: work hash in hand yeap a lot, and then I 482 00:22:49,080 --> 00:22:53,080 Speaker 4: was studying and then working for myself. My supers only 483 00:22:53,119 --> 00:22:54,560 Speaker 4: at fifteen hundred dollars. 484 00:22:54,640 --> 00:22:55,120 Speaker 2: That's a right. 485 00:22:55,160 --> 00:22:57,439 Speaker 4: I looked into it, and my dad never paid my 486 00:22:57,480 --> 00:22:58,600 Speaker 4: super while I was working with that. 487 00:22:58,800 --> 00:23:00,480 Speaker 2: Why are we not surprised? How did that? 488 00:23:00,840 --> 00:23:04,640 Speaker 4: Yeah? I'm not surprised whatsoever. But I have plans this year. 489 00:23:04,720 --> 00:23:07,879 Speaker 4: After I saved up for the deposit and got the house, 490 00:23:08,359 --> 00:23:11,080 Speaker 4: I am now putting away a portion of my income 491 00:23:11,280 --> 00:23:14,800 Speaker 4: to pay myself super. I'm hoping to pay about fifteen 492 00:23:14,800 --> 00:23:17,479 Speaker 4: grand this year into Super, just to really boost it up. 493 00:23:17,720 --> 00:23:19,439 Speaker 2: When you say I'm not going to like that, I 494 00:23:19,480 --> 00:23:21,919 Speaker 2: could not care less. You just showed me in that 495 00:23:22,000 --> 00:23:24,920 Speaker 2: thirty seconds that you know more about your superannuation than 496 00:23:24,960 --> 00:23:28,280 Speaker 2: fifty percent of the Australians on this earth. Right, so 497 00:23:28,359 --> 00:23:30,679 Speaker 2: many people could not tell me how much they have 498 00:23:30,760 --> 00:23:33,040 Speaker 2: in super when they were last paid Super, if they've 499 00:23:33,040 --> 00:23:35,040 Speaker 2: ever missed anything out, Like being on top of it 500 00:23:35,080 --> 00:23:38,439 Speaker 2: is so much more important right now than having heaps 501 00:23:38,440 --> 00:23:42,040 Speaker 2: of money in there, And like for every experience you've 502 00:23:42,040 --> 00:23:44,920 Speaker 2: been through, like makes sense that you don't have Super 503 00:23:44,960 --> 00:23:47,760 Speaker 2: their huh, and you're still a baby, Like, let's be honest, 504 00:23:47,800 --> 00:23:51,360 Speaker 2: you are so young, you have so much time, and 505 00:23:51,640 --> 00:23:53,359 Speaker 2: you just told me earlier that you're on track to 506 00:23:53,400 --> 00:23:56,720 Speaker 2: make one hundred and fifty grand. You clearly have your 507 00:23:56,760 --> 00:23:58,639 Speaker 2: head screwed on. I don't think that that's going to 508 00:23:58,640 --> 00:24:01,880 Speaker 2: impact your retirement at all. Like, and you know it right, 509 00:24:02,040 --> 00:24:03,919 Speaker 2: like you already know you're like via, I've got a 510 00:24:03,960 --> 00:24:06,240 Speaker 2: plan and that's what I want to hear. So do 511 00:24:06,320 --> 00:24:06,760 Speaker 2: I like it? 512 00:24:06,840 --> 00:24:06,959 Speaker 1: No? 513 00:24:07,119 --> 00:24:07,720 Speaker 2: I love it. 514 00:24:08,000 --> 00:24:10,080 Speaker 4: I think I just didn't love how small it was 515 00:24:10,080 --> 00:24:11,359 Speaker 4: because I know how much I've worked. 516 00:24:11,400 --> 00:24:14,720 Speaker 2: It's frustrating, isn't it. Yeah, I will get that exactly. 517 00:24:15,200 --> 00:24:17,200 Speaker 2: So tell me about more stuff that you think I'm 518 00:24:17,200 --> 00:24:17,760 Speaker 2: not gonna like. 519 00:24:18,040 --> 00:24:21,240 Speaker 4: The next one is I have eight thousand dollars in crypto? 520 00:24:21,480 --> 00:24:25,200 Speaker 2: Oh yes, okay, tell me how did this happen? I 521 00:24:25,240 --> 00:24:27,680 Speaker 2: was dating a boy Oh it always starts that way. 522 00:24:27,880 --> 00:24:30,080 Speaker 4: Who convinced me it was a good idea? 523 00:24:30,240 --> 00:24:32,800 Speaker 2: Honestly, if you took me back to being twenty two 524 00:24:32,800 --> 00:24:35,959 Speaker 2: to twenty three, my ex boyfriend made a lot of 525 00:24:36,000 --> 00:24:38,600 Speaker 2: money in crypto. So when people like, did you know 526 00:24:38,640 --> 00:24:40,560 Speaker 2: heaps of people make money, I'm like, yeah, and I 527 00:24:40,600 --> 00:24:42,680 Speaker 2: broke up with someone who did, which was like, obviously 528 00:24:42,720 --> 00:24:46,120 Speaker 2: bad financial decision, but great life decision. But you look 529 00:24:46,160 --> 00:24:48,080 Speaker 2: at it and go, oh, no, people can make money 530 00:24:48,119 --> 00:24:49,520 Speaker 2: in it, and I mean, if you've got a boyfriend, 531 00:24:49,600 --> 00:24:52,119 Speaker 2: that's like leading you down a garden path. Sorry, but 532 00:24:52,160 --> 00:24:54,000 Speaker 2: I would have done it too, like, no judgment. 533 00:24:54,960 --> 00:24:57,680 Speaker 4: So I made money and then lost a lot of money. 534 00:24:57,680 --> 00:24:59,399 Speaker 4: So even though I have eight thousand in it at 535 00:24:59,400 --> 00:25:02,400 Speaker 4: the moment, I've actually lost compared to what I put 536 00:25:02,480 --> 00:25:02,840 Speaker 4: into it. 537 00:25:02,960 --> 00:25:05,359 Speaker 2: No, so what's your plan with it? Are you're just 538 00:25:05,400 --> 00:25:06,720 Speaker 2: going to sit on it for a while. 539 00:25:07,200 --> 00:25:10,199 Speaker 4: Yeah, I moved it all into bitcoin because that is 540 00:25:10,240 --> 00:25:12,480 Speaker 4: a lot more stable than all the other random ones. 541 00:25:12,520 --> 00:25:14,600 Speaker 4: Eyes in and I'm just letting it sit there and 542 00:25:14,640 --> 00:25:17,119 Speaker 4: do its thing. Eventually I'll take it out. I do 543 00:25:17,200 --> 00:25:19,800 Speaker 4: want to move it into other things, but I don't know. 544 00:25:19,920 --> 00:25:23,480 Speaker 2: So you's got a plan. I love this again, no judgment, 545 00:25:23,560 --> 00:25:25,560 Speaker 2: who cares. I just love that you know where all 546 00:25:25,560 --> 00:25:27,920 Speaker 2: your money is at, and that is power and that's 547 00:25:28,000 --> 00:25:30,520 Speaker 2: what we are going for. So what's this one that 548 00:25:30,560 --> 00:25:32,000 Speaker 2: you were saying that you think I will like? 549 00:25:32,320 --> 00:25:36,320 Speaker 4: So, I've got all up I think three thousand dollars 550 00:25:36,400 --> 00:25:39,640 Speaker 4: roughly in others jazz and ETSS through different platforms. 551 00:25:39,920 --> 00:25:42,320 Speaker 2: So like, we could reframe this and be like, actually 552 00:25:42,400 --> 00:25:45,919 Speaker 2: I have double the amount invested outside Super, then I 553 00:25:45,960 --> 00:25:48,240 Speaker 2: do inside Super, and then we could leave it at that. 554 00:25:48,640 --> 00:25:49,359 Speaker 2: Isn't that cool? 555 00:25:49,640 --> 00:25:52,000 Speaker 4: It is? Yeah? I like that reframing. 556 00:25:52,160 --> 00:25:55,320 Speaker 2: Yeah, well you obviously work in the space too. Reframing 557 00:25:55,400 --> 00:25:58,640 Speaker 2: is incredibly important. But it's one of those things where 558 00:25:58,680 --> 00:26:01,000 Speaker 2: I just go it sounds like your low key still 559 00:26:01,000 --> 00:26:02,840 Speaker 2: being a little bit harsh on yourself. You're like, oh 560 00:26:02,880 --> 00:26:05,320 Speaker 2: it's not that good, and I'm like, I'm sorry you 561 00:26:05,400 --> 00:26:08,240 Speaker 2: own your own unit. You are twenty five. You have 562 00:26:08,400 --> 00:26:12,280 Speaker 2: absolutely slaid life. Your mindset is so clear, you know 563 00:26:12,359 --> 00:26:15,000 Speaker 2: your goals, like, there is not one thing wrong with 564 00:26:15,040 --> 00:26:18,040 Speaker 2: this story right now for me, tell me a bit 565 00:26:18,080 --> 00:26:21,200 Speaker 2: more about the debts. So you recently purchased your first unit, 566 00:26:21,240 --> 00:26:24,119 Speaker 2: which is so exciting. How much did it cost you? 567 00:26:24,160 --> 00:26:26,199 Speaker 2: How much debt have you taken on from that? And 568 00:26:26,280 --> 00:26:28,040 Speaker 2: also do you have any other debts? 569 00:26:28,359 --> 00:26:30,560 Speaker 4: The house is my only debt. I paid off my 570 00:26:30,680 --> 00:26:34,000 Speaker 4: car and UNI up front, never had credit cards or anything. 571 00:26:34,119 --> 00:26:36,119 Speaker 2: Wheel is she, Oh, just paid for my car and 572 00:26:36,200 --> 00:26:37,639 Speaker 2: I UNI up front, No, biggie. 573 00:26:37,800 --> 00:26:40,480 Speaker 4: Yeah, Well, I'm very good at choosing the cheap option, thankfully, 574 00:26:40,520 --> 00:26:43,160 Speaker 4: and again not going outside of my means. So really 575 00:26:43,200 --> 00:26:46,000 Speaker 4: looked at what I could afford. And yeah, but with 576 00:26:46,119 --> 00:26:51,000 Speaker 4: the house. So it was three ninety and I've got 577 00:26:51,240 --> 00:26:53,640 Speaker 4: three forty zeroing on it, which is at six point 578 00:26:53,720 --> 00:26:56,560 Speaker 4: four percent. I do consider the house to be an 579 00:26:56,560 --> 00:27:00,280 Speaker 4: investment as well. I know that typically you don't think 580 00:27:00,280 --> 00:27:03,240 Speaker 4: of houses as investments if you live in it, but 581 00:27:03,440 --> 00:27:06,840 Speaker 4: I'm renovating it into a three bedroom. Obviously I only 582 00:27:07,080 --> 00:27:10,359 Speaker 4: take up one room. My friend is renting from me. 583 00:27:10,960 --> 00:27:13,480 Speaker 4: She pays six hundred dollars a month, which I put 584 00:27:13,680 --> 00:27:15,800 Speaker 4: back into renovating it, and in the future I do 585 00:27:15,880 --> 00:27:17,879 Speaker 4: want to rent it out as a three bedroom house 586 00:27:18,280 --> 00:27:21,000 Speaker 4: or unit. So yeah, I do see it as a 587 00:27:21,040 --> 00:27:22,960 Speaker 4: debt and an investment at the same time. 588 00:27:23,040 --> 00:27:25,800 Speaker 2: But also it's technically not your family home. So we 589 00:27:25,840 --> 00:27:28,720 Speaker 2: always say your family home is not an investment, not 590 00:27:28,840 --> 00:27:30,680 Speaker 2: any property you live in, because right now you're living 591 00:27:30,720 --> 00:27:32,639 Speaker 2: in it to put it in a better position to 592 00:27:32,640 --> 00:27:34,679 Speaker 2: rent it out. And what you just told me is 593 00:27:35,040 --> 00:27:37,800 Speaker 2: house cost me three ninety it's currently got three forty 594 00:27:37,800 --> 00:27:39,600 Speaker 2: on a mortgage. Yeah, the mortgage is pretty high at 595 00:27:39,640 --> 00:27:42,280 Speaker 2: the moment, but like that is life, unfortunately. But you've 596 00:27:42,280 --> 00:27:46,880 Speaker 2: got forty grand inequity sligh Yeah money ween, yeah, money ween. 597 00:27:47,040 --> 00:27:50,120 Speaker 2: Like that's so good. And obviously you've got some positive 598 00:27:50,160 --> 00:27:52,520 Speaker 2: cash flow coming in that's helping you with the mortgage 599 00:27:52,560 --> 00:27:55,040 Speaker 2: and helping you renovate it. And a renovated place is 600 00:27:55,040 --> 00:27:57,359 Speaker 2: probably going to lease for more than a two bedroom place. 601 00:27:57,480 --> 00:28:01,040 Speaker 4: Right after looking at other houses in the area that 602 00:28:01,160 --> 00:28:03,640 Speaker 4: are the same size, it's expected to be at least 603 00:28:03,680 --> 00:28:04,879 Speaker 4: like fifty kre once it's do. 604 00:28:05,119 --> 00:28:07,119 Speaker 2: That is very good your rental yield. I cannot do 605 00:28:07,160 --> 00:28:08,760 Speaker 2: rental yield for the life of me off the top 606 00:28:08,800 --> 00:28:11,480 Speaker 2: of my head, but if I could, I know that's good. Yeah, 607 00:28:11,520 --> 00:28:14,679 Speaker 2: that is adore. Oh my gosh. I feel like we 608 00:28:14,720 --> 00:28:16,440 Speaker 2: all have so much to learn from you. So tell 609 00:28:16,440 --> 00:28:18,880 Speaker 2: me what is your best money habit. You can give 610 00:28:18,960 --> 00:28:21,879 Speaker 2: us more than one, like I want all of them. 611 00:28:22,600 --> 00:28:26,720 Speaker 4: I think the number one is definitely allowing myself to 612 00:28:26,720 --> 00:28:29,120 Speaker 4: believe that I don't have to spend money to have fun. 613 00:28:29,760 --> 00:28:32,439 Speaker 4: The more money that I started making, I would just 614 00:28:32,480 --> 00:28:34,720 Speaker 4: say that because I'm so happy with the lifestyle that 615 00:28:34,760 --> 00:28:36,600 Speaker 4: I was living already that I didn't feel like I 616 00:28:36,680 --> 00:28:40,280 Speaker 4: needed to add money to it to continue enjoying it. 617 00:28:40,680 --> 00:28:43,320 Speaker 4: So I still love camping. I will still go out 618 00:28:43,360 --> 00:28:45,600 Speaker 4: for a weekend and do that. Instead of you know, 619 00:28:45,720 --> 00:28:48,440 Speaker 4: spending lots of money on fancy dinners and things like that, 620 00:28:48,800 --> 00:28:52,560 Speaker 4: I buy secondhand everything, So rather than. 621 00:28:52,440 --> 00:28:55,280 Speaker 2: Going to like the shops and stuff. 622 00:28:55,520 --> 00:28:57,800 Speaker 4: Yeah, I'll just go to O shops and still go 623 00:28:57,840 --> 00:29:00,480 Speaker 4: on shopping sprees definitely and buy things that I don't need. 624 00:29:00,560 --> 00:29:02,520 Speaker 4: But it cost three dollars instead of thirty. 625 00:29:02,600 --> 00:29:05,400 Speaker 2: But that is okay. It is much cheaper and also 626 00:29:05,680 --> 00:29:09,040 Speaker 2: there's low key something so gratifying about finding it cheap 627 00:29:09,080 --> 00:29:11,040 Speaker 2: in an op shop and you're like, I love this 628 00:29:11,160 --> 00:29:14,640 Speaker 2: and it was cheap money win. I feel like, yeah. Automatically, 629 00:29:14,640 --> 00:29:17,680 Speaker 2: if I've bought something secondhand and someone compliments it, I'm like, yeah, okay, 630 00:29:17,680 --> 00:29:20,680 Speaker 2: well I got it on Facebook Marketplace. Like there was 631 00:29:20,720 --> 00:29:23,640 Speaker 2: this dining table that I was obsessed with getting and 632 00:29:23,720 --> 00:29:25,080 Speaker 2: then I realized how much it was and I just 633 00:29:25,080 --> 00:29:27,360 Speaker 2: said to my husband, it's not gonna happen. Like I 634 00:29:27,400 --> 00:29:31,040 Speaker 2: picked up something basically identical on Facebook Marketplace, and now 635 00:29:31,080 --> 00:29:33,160 Speaker 2: whenever someone says, oh, your dining table's nice, I like 636 00:29:33,200 --> 00:29:35,680 Speaker 2: give them a lecture on how good Facebook Marketplace is. 637 00:29:36,040 --> 00:29:37,840 Speaker 2: And they're just so sick of my stuff and I 638 00:29:37,880 --> 00:29:40,720 Speaker 2: don't even care. I'm like, this is so good. We 639 00:29:40,800 --> 00:29:44,000 Speaker 2: are not compromising, guys. Just buy it secondhand. 640 00:29:44,760 --> 00:29:47,480 Speaker 4: Yeah. Oh, even if you find something secondhand that isn't 641 00:29:47,560 --> 00:29:49,840 Speaker 4: quite what you want, figure out how to DII to 642 00:29:49,880 --> 00:29:52,880 Speaker 4: make it what you want, so painted or add things, 643 00:29:53,000 --> 00:29:55,560 Speaker 4: get rid of things. Yeah. I don't think I've bought 644 00:29:55,720 --> 00:29:58,720 Speaker 4: new anything for the house. 645 00:30:00,080 --> 00:30:03,920 Speaker 2: At all. I love that I'm obsessed. How good. I 646 00:30:03,960 --> 00:30:05,680 Speaker 2: don't think you're going to have any But do you 647 00:30:05,720 --> 00:30:07,440 Speaker 2: have any bad money habits? 648 00:30:07,720 --> 00:30:10,600 Speaker 4: I do. So while I tell myself that I don't 649 00:30:10,600 --> 00:30:12,920 Speaker 4: need to spend money to have fun, I've learned that 650 00:30:13,000 --> 00:30:15,320 Speaker 4: I need to hide my money from myself to stop 651 00:30:15,360 --> 00:30:15,920 Speaker 4: spur at the. 652 00:30:15,880 --> 00:30:17,640 Speaker 2: Moment spending okay, same. 653 00:30:18,840 --> 00:30:22,160 Speaker 4: Yeah, because I love saying yes to experiences as so 654 00:30:22,320 --> 00:30:24,360 Speaker 4: friends are like, oh, let's go to this festival, let's 655 00:30:24,480 --> 00:30:26,200 Speaker 4: this thing. I'm very good at being like okay, sure. 656 00:30:26,720 --> 00:30:29,840 Speaker 4: Or I will book a holiday without thinking about how 657 00:30:29,920 --> 00:30:32,640 Speaker 4: much it will actually cost. So I need to tell 658 00:30:32,680 --> 00:30:34,800 Speaker 4: myself that I have less money than I do, so 659 00:30:34,840 --> 00:30:37,520 Speaker 4: I put it in accounts that I can't see. But 660 00:30:37,560 --> 00:30:39,440 Speaker 4: if it's not in that account, I will spend it. 661 00:30:39,520 --> 00:30:41,560 Speaker 2: Just be a little bit tap happy. You're like, oh, 662 00:30:42,040 --> 00:30:44,240 Speaker 2: we can head back down to the op shop again today. 663 00:30:44,240 --> 00:30:46,360 Speaker 2: We're going to have a really great Saturday. Like I'm 664 00:30:46,360 --> 00:30:48,840 Speaker 2: not spending much. But then you realize you've gone to 665 00:30:48,880 --> 00:30:50,440 Speaker 2: the op shop like three times in a week, and 666 00:30:50,480 --> 00:30:51,480 Speaker 2: you're like maybe not. 667 00:30:52,280 --> 00:30:55,120 Speaker 4: Yeah, And also I don't actually wear any of those clothes. 668 00:30:55,440 --> 00:30:58,520 Speaker 2: Oh yeah, See that's not that helpful. But circular economy, 669 00:30:58,560 --> 00:31:00,040 Speaker 2: you can redonate it. 670 00:31:00,360 --> 00:31:02,920 Speaker 4: Yeah. I see it as renting from the op shop 671 00:31:02,960 --> 00:31:04,560 Speaker 4: because I buy it from that and it's going to 672 00:31:04,600 --> 00:31:05,600 Speaker 4: eventually go back there. 673 00:31:06,000 --> 00:31:08,640 Speaker 2: Oh, I like this, see a circular economy. 674 00:31:09,200 --> 00:31:11,880 Speaker 4: Yeah, And then I would say another bad habit that 675 00:31:12,000 --> 00:31:15,320 Speaker 4: I have is being a little bit careless with my 676 00:31:15,360 --> 00:31:17,920 Speaker 4: money in terms of lending it to people. I've learned 677 00:31:18,160 --> 00:31:20,840 Speaker 4: a few too many times that lending money to friends 678 00:31:20,880 --> 00:31:24,040 Speaker 4: does not work out, and then having to chase things 679 00:31:24,120 --> 00:31:25,880 Speaker 4: up and it's fun. 680 00:31:26,360 --> 00:31:29,000 Speaker 2: I have a life motto, and I'm very grateful and 681 00:31:29,040 --> 00:31:30,920 Speaker 2: as I'm sure you are as well to be in 682 00:31:30,920 --> 00:31:34,040 Speaker 2: a physician where I can lend out money if I 683 00:31:34,120 --> 00:31:36,960 Speaker 2: need to, But like, if someone ever needs to lend 684 00:31:37,080 --> 00:31:41,200 Speaker 2: money from me, I'm very much in the mindset of 685 00:31:41,320 --> 00:31:43,800 Speaker 2: it's a gift. I don't expect it back. If it 686 00:31:43,880 --> 00:31:46,880 Speaker 2: comes back, that's fantastic, But I don't really want to 687 00:31:46,960 --> 00:31:49,880 Speaker 2: ruin a friendship over like chasing it up. And if 688 00:31:49,880 --> 00:31:51,760 Speaker 2: it's too much money that I would have to chase 689 00:31:51,760 --> 00:31:53,680 Speaker 2: it up, I'm like, oh, I probably shouldn't be lending 690 00:31:53,680 --> 00:31:57,320 Speaker 2: it out to begin with. It's a hard mindset shift, 691 00:31:57,400 --> 00:31:59,680 Speaker 2: but I had to implement it in my life and 692 00:31:59,720 --> 00:32:02,560 Speaker 2: it just made it a lot easier. But I do 693 00:32:02,640 --> 00:32:07,120 Speaker 2: think it is a very kind and very generous personality 694 00:32:07,200 --> 00:32:09,360 Speaker 2: trait to have and it's not something that I want 695 00:32:09,360 --> 00:32:11,280 Speaker 2: to lose, if that makes sense. I'm kind of like, 696 00:32:11,760 --> 00:32:14,120 Speaker 2: I kind of like being that person that people trust 697 00:32:14,160 --> 00:32:16,120 Speaker 2: to tell me about, you know, the fact that they're 698 00:32:16,160 --> 00:32:18,840 Speaker 2: vulnerable or you know, not in the best position, or 699 00:32:18,920 --> 00:32:21,640 Speaker 2: need something that they're not comfy asking somebody else about. 700 00:32:21,640 --> 00:32:23,440 Speaker 2: And I'm sure that you're in that position too, where 701 00:32:23,440 --> 00:32:25,600 Speaker 2: you're just like, I don't really want to change that. 702 00:32:25,800 --> 00:32:27,920 Speaker 2: I would, you know, obviously love the money to stay 703 00:32:27,920 --> 00:32:29,480 Speaker 2: in my account, and this is just a hassle. But 704 00:32:29,720 --> 00:32:32,360 Speaker 2: I think it's a reflection of the kind human being 705 00:32:32,400 --> 00:32:34,080 Speaker 2: that you are, and let's not change that. 706 00:32:34,440 --> 00:32:36,880 Speaker 4: Yeah, I am glad that I still have that, and 707 00:32:36,920 --> 00:32:39,520 Speaker 4: I'm glad that people do feel comfortable opening up to 708 00:32:39,520 --> 00:32:40,760 Speaker 4: me about it, and I'm glad that I'm in a 709 00:32:40,760 --> 00:32:43,320 Speaker 4: position to be able to help people. There's definitely been 710 00:32:43,360 --> 00:32:45,360 Speaker 4: times where I've been in positions where other people have 711 00:32:45,440 --> 00:32:50,000 Speaker 4: helped me. But I think I just need to reflect. 712 00:32:49,680 --> 00:32:52,080 Speaker 2: More on that, be a little bit more restrictive. 713 00:32:52,840 --> 00:32:56,160 Speaker 4: Yeah, I think sometimes if you lend people that money 714 00:32:57,000 --> 00:32:58,480 Speaker 4: a lot, it. 715 00:32:58,360 --> 00:33:00,680 Speaker 2: Can create a NUS cycle. 716 00:33:01,400 --> 00:33:04,080 Speaker 4: Yeah, Like it's not teaching them to have good money habits. 717 00:33:04,120 --> 00:33:06,720 Speaker 4: I think because I've had some people in my life 718 00:33:06,760 --> 00:33:10,040 Speaker 4: that they have felt too comfortable, I think, asking for 719 00:33:10,080 --> 00:33:11,480 Speaker 4: money knowing that I will say yes. 720 00:33:12,000 --> 00:33:14,640 Speaker 2: Oh, And it gives me the ick when that happens, 721 00:33:14,640 --> 00:33:17,280 Speaker 2: because I'm like, now I feel like this relationship is 722 00:33:17,320 --> 00:33:19,600 Speaker 2: being taken advantage of and I just wanted to enjoy 723 00:33:19,640 --> 00:33:22,040 Speaker 2: your company and now it doesn't feel that way. And 724 00:33:22,080 --> 00:33:23,880 Speaker 2: they text you and You're just like, I bet they're 725 00:33:23,880 --> 00:33:25,320 Speaker 2: asking for a hundred bucks. 726 00:33:26,120 --> 00:33:28,280 Speaker 4: Yeah, But also like I feel like I'm not helping 727 00:33:28,360 --> 00:33:32,000 Speaker 4: them foster a good relationship with money because maybe they 728 00:33:32,000 --> 00:33:34,040 Speaker 4: do need to learn. Okay, no, I do only have 729 00:33:34,040 --> 00:33:35,800 Speaker 4: one hundred dollars left? How am I going to make 730 00:33:36,000 --> 00:33:36,680 Speaker 4: that work? 731 00:33:36,800 --> 00:33:39,480 Speaker 2: But also, as you should know in the space that 732 00:33:39,520 --> 00:33:43,200 Speaker 2: you're in, other people's decisions are not your responsibility. You 733 00:33:43,200 --> 00:33:45,280 Speaker 2: can guide them, but it is not your job to 734 00:33:45,400 --> 00:33:49,920 Speaker 2: teach them. Yeah, I think it's kind, but oh, I 735 00:33:49,960 --> 00:33:52,720 Speaker 2: have adored this money direst At the start of the show, 736 00:33:53,480 --> 00:33:56,360 Speaker 2: you said, I reckon, I'm a B plus I'm definitely 737 00:33:56,360 --> 00:33:59,040 Speaker 2: moving towards an A. Why did you say that you 738 00:33:59,040 --> 00:34:01,520 Speaker 2: were moving towards an A and what does that look like? 739 00:34:01,680 --> 00:34:03,240 Speaker 2: And when do you think you're going to achieve that. 740 00:34:03,560 --> 00:34:06,280 Speaker 4: So I do still think that I'm moving towards an A, 741 00:34:06,560 --> 00:34:09,440 Speaker 4: and I think to get there, I want to be 742 00:34:09,480 --> 00:34:12,400 Speaker 4: a bit more responsible. Now that I have a mortgage. 743 00:34:12,440 --> 00:34:14,640 Speaker 4: I want to look into getting income protection because I 744 00:34:14,640 --> 00:34:17,040 Speaker 4: do work for myself. If something happens and I can't 745 00:34:17,040 --> 00:34:19,680 Speaker 4: work for a month or so, I want to make 746 00:34:19,719 --> 00:34:22,240 Speaker 4: sure that my bills are looked after, and then also 747 00:34:22,320 --> 00:34:26,279 Speaker 4: reinvesting that crypto into something else. I think that's what 748 00:34:26,280 --> 00:34:27,600 Speaker 4: it would take for me to get to an A. 749 00:34:27,760 --> 00:34:30,600 Speaker 4: It's just be a bit more on top of my responsibilities. 750 00:34:30,640 --> 00:34:32,799 Speaker 2: My favorite part about that is that's so easy, and 751 00:34:32,840 --> 00:34:35,200 Speaker 2: you're quite clearly already thinking about it, and you're already 752 00:34:35,200 --> 00:34:37,920 Speaker 2: on track. Sometimes we talk to people and they're like, oh, well, 753 00:34:37,920 --> 00:34:40,360 Speaker 2: i'd have to completely change this and this, and you 754 00:34:40,400 --> 00:34:43,080 Speaker 2: know it actually have to start doing a budget and 755 00:34:43,160 --> 00:34:46,040 Speaker 2: saving and you know all of those things are perfect 756 00:34:46,120 --> 00:34:48,440 Speaker 2: for where they're at. But you go, yep, you're right, 757 00:34:48,520 --> 00:34:50,400 Speaker 2: that's a lot of work. But you can absolutely do it. 758 00:34:50,440 --> 00:34:52,360 Speaker 2: I believe that you can. Whereas you've just got like 759 00:34:52,400 --> 00:34:55,239 Speaker 2: a few small like tickbox items like I can set 760 00:34:55,280 --> 00:34:57,880 Speaker 2: you up with Skywealth tomorrow to organize your income protection 761 00:34:58,200 --> 00:35:00,239 Speaker 2: and you know when it comes to just being better 762 00:35:00,239 --> 00:35:02,359 Speaker 2: with like paying off your mortgage. That's just a small plan, 763 00:35:02,440 --> 00:35:05,239 Speaker 2: a few tweaks, especially where you're sitting right now, So 764 00:35:05,320 --> 00:35:06,759 Speaker 2: that's so exciting. 765 00:35:07,520 --> 00:35:09,799 Speaker 4: Yeah, it's just a few small things, and then I 766 00:35:09,800 --> 00:35:11,000 Speaker 4: feel like I'm that We're. 767 00:35:10,960 --> 00:35:14,000 Speaker 2: Just going I adore it. So what's next, money Diarist, 768 00:35:14,160 --> 00:35:16,560 Speaker 2: What does the future look like? You're going to move 769 00:35:16,600 --> 00:35:19,000 Speaker 2: out to a big block of land and kind of 770 00:35:19,040 --> 00:35:21,080 Speaker 2: live off the grid or like, where do you see 771 00:35:21,120 --> 00:35:23,680 Speaker 2: yourself in the next ten, twenty, even thirty years. 772 00:35:24,080 --> 00:35:26,080 Speaker 4: Yeah, I want to buy a big block of land 773 00:35:26,360 --> 00:35:29,720 Speaker 4: that multiple people can come and live on, so friends 774 00:35:29,719 --> 00:35:33,520 Speaker 4: and family and just kind of live a lot more simply, 775 00:35:33,600 --> 00:35:36,360 Speaker 4: I guess live away from the city. I grew up 776 00:35:36,400 --> 00:35:38,719 Speaker 4: in the city and I like it here, but I 777 00:35:38,719 --> 00:35:42,200 Speaker 4: would like a simpler lifestyle. But I do so want 778 00:35:42,239 --> 00:35:45,080 Speaker 4: to work within the sector. I do really love caring 779 00:35:45,080 --> 00:35:46,000 Speaker 4: for my community. 780 00:35:46,239 --> 00:35:48,239 Speaker 2: You're such a wholesome human being and it makes my 781 00:35:48,280 --> 00:35:50,200 Speaker 2: heart so happy to know that not only are in 782 00:35:50,239 --> 00:35:53,239 Speaker 2: the community, but like you've shared your story with our 783 00:35:53,320 --> 00:35:55,839 Speaker 2: community and they get to learn from you, and they're 784 00:35:55,880 --> 00:35:58,000 Speaker 2: probably listening to this being like fire out that money 785 00:35:58,000 --> 00:36:01,200 Speaker 2: direst is so kind and so generous, an so so inspirational, 786 00:36:01,280 --> 00:36:05,520 Speaker 2: like literally having gone from being twenty and homeless, Like 787 00:36:06,000 --> 00:36:09,120 Speaker 2: the courage and the tenacity it would take to pack 788 00:36:09,200 --> 00:36:12,480 Speaker 2: up your car and literally lie to your friends and 789 00:36:12,520 --> 00:36:14,319 Speaker 2: family to be like, oh, I'm just going on a 790 00:36:14,360 --> 00:36:17,000 Speaker 2: camping trip, but you had like this grand plan in 791 00:36:17,000 --> 00:36:20,319 Speaker 2: the background to be like I'm never going back there, Catcher, Like, 792 00:36:20,680 --> 00:36:24,120 Speaker 2: I'm just I'm in awe of your ability to facilitate that, 793 00:36:24,200 --> 00:36:26,920 Speaker 2: because I think a lot of people in circumstances like yours, 794 00:36:27,560 --> 00:36:32,920 Speaker 2: or circumstances that were like yours, often don't find that 795 00:36:33,040 --> 00:36:37,319 Speaker 2: motivation to leave or you know, put themselves first. Like 796 00:36:37,400 --> 00:36:40,240 Speaker 2: so many times, especially as women, we just don't advocate 797 00:36:40,280 --> 00:36:42,319 Speaker 2: for ourselves. Winger, Well, that's how it is, Like, you know, 798 00:36:42,400 --> 00:36:44,319 Speaker 2: I need to stay around for X, Y or Z, 799 00:36:44,600 --> 00:36:47,160 Speaker 2: or if I leave, I don't have any backup, and 800 00:36:47,200 --> 00:36:51,239 Speaker 2: like obviously having a father who is manipulative, especially financially, 801 00:36:51,360 --> 00:36:54,200 Speaker 2: that would make it so much harder. But like I 802 00:36:54,200 --> 00:36:56,120 Speaker 2: look at it and go, holy heck, this woman is 803 00:36:56,120 --> 00:36:58,799 Speaker 2: a powerhouse and we have learnt so much in just 804 00:36:59,239 --> 00:37:02,560 Speaker 2: this short But thank you for all that you do 805 00:37:02,760 --> 00:37:04,799 Speaker 2: and for the advocating you do for other women and 806 00:37:04,840 --> 00:37:06,560 Speaker 2: the work you do in mental health, like it is 807 00:37:07,040 --> 00:37:09,719 Speaker 2: so special and so necessary, and I'm just I'm just 808 00:37:09,760 --> 00:37:12,080 Speaker 2: really grateful to have met you. So thank you. When 809 00:37:12,120 --> 00:37:13,839 Speaker 2: you have that big block of land, can I please 810 00:37:13,880 --> 00:37:14,359 Speaker 2: come camp? 811 00:37:15,200 --> 00:37:15,560 Speaker 1: You can? 812 00:37:15,719 --> 00:37:17,919 Speaker 4: Yeah, there might even be a little hut somewhere for you. 813 00:37:18,040 --> 00:37:22,000 Speaker 2: Yes, how cute? I love it. Well, Money Diarist, thank 814 00:37:22,040 --> 00:37:25,040 Speaker 2: you so much. I'm so grateful and also just so 815 00:37:25,200 --> 00:37:27,520 Speaker 2: proud to share you with our community. I know that 816 00:37:27,560 --> 00:37:29,120 Speaker 2: they're going to love you as much as I have. 817 00:37:29,760 --> 00:37:29,960 Speaker 3: Yeah. 818 00:37:30,080 --> 00:37:32,160 Speaker 4: No, thank you for the opportunity to come speak with 819 00:37:32,200 --> 00:37:34,319 Speaker 4: you guys, and again, thank you for building such a 820 00:37:34,920 --> 00:37:37,799 Speaker 4: loving and supportive community where everyone's just uplifting each other 821 00:37:37,840 --> 00:37:38,440 Speaker 4: all the time. 822 00:37:38,719 --> 00:37:41,080 Speaker 2: That's the plan, my love, Keep on keeping on. 823 00:37:47,680 --> 00:37:50,240 Speaker 3: The advice shared on She's on the Money is general 824 00:37:50,280 --> 00:37:54,120 Speaker 3: in nature and does not consider your individual circumstances. She's 825 00:37:54,200 --> 00:37:57,640 Speaker 3: on the Money exists purely for educational purposes and should 826 00:37:57,680 --> 00:37:59,560 Speaker 3: not be relied upon to make an investment. 827 00:37:59,600 --> 00:38:00,840 Speaker 2: All fineinancial decision. 828 00:38:01,239 --> 00:38:03,680 Speaker 3: If you do choose to buy a financial product, read 829 00:38:03,719 --> 00:38:07,800 Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards 830 00:38:07,880 --> 00:38:08,400 Speaker 3: your needs. 831 00:38:08,760 --> 00:38:11,000 Speaker 2: Victoria Divine and she's on the money. 832 00:38:11,000 --> 00:38:14,640 Speaker 3: Are authorized representatives of money sherper p t y lt 833 00:38:14,719 --> 00:38:17,479 Speaker 3: D A b N three two one six four nine 834 00:38:17,600 --> 00:38:21,040 Speaker 3: two seven seven zero eight afs L four five one 835 00:38:21,280 --> 00:38:24,240 Speaker 3: two eight nine