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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud Yr the

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Speaker 2: Order Kerney Whalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next.

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Speaker 1: Generation coming through.

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Speaker 2: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: 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 1: Hello, and welcome to She's on the Money, the podcast

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Speaker 1: for millennials who want financial freedom. Welcome back to another

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Speaker 1: one of our money diaries where I get the absolute

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Speaker 1: privilege of talking to one of our beautiful community members

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Speaker 1: all about their money story. Let's jump straight in because

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Speaker 1: this week I got a message and it went like this. Hi, Victoria.

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Speaker 1: As a twenty nine year old, I've gone from living

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Speaker 1: paycheck to paycheck in a constant cycle of debt that

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Speaker 1: got up to thirty thousand dollars two, paying all debt

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Speaker 1: off and owning our home and working towards semi retirement

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Speaker 1: next year, Money Diarist, that sounds like an absolute dream

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Speaker 1: and you're only twenty nine. What the heck?

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Speaker 4: Yeah?

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Speaker 1: Oh, I cannot wait to learn more. This is wild.

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Speaker 4: Yeah, I think so.

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Speaker 1: I am so excited that you have written in. Let's

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Speaker 1: jump straight in the first question, as always is Money Diarist,

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Speaker 1: what grade would you give your money habits If I

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Speaker 1: asked you to give them a grade from A through

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Speaker 1: to F.

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Speaker 4: That's gonna sound not that great. But I think like

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Speaker 4: a C plus to a B minus.

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Speaker 1: I don't know about that. Sometimes I argue with people

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Speaker 1: about their ratings, so I'm not gonna argue with you

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Speaker 1: this close. But like, there's no way someone with a

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Speaker 1: money story that goes from paying off that much debt

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Speaker 1: to working towards semi retirement is only a C plus

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Speaker 1: in my head. But you know what, you can tell

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Speaker 1: us a little bit more about you and we can

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Speaker 1: have that conversation at the end. How does that sound

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Speaker 1: sounds good? All right? My favorite question, money dires. Can

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Speaker 1: you tell us a little bit more about your money story?

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Speaker 4: Yeah? So, basically, my partner and I got married when

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Speaker 4: we were like twenty two cute and I we've been

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Speaker 4: together since we're fifteen.

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Speaker 1: Oh my gosh, No you haven't. So you're like high

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Speaker 1: school sweethearts.

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Speaker 4: Yes, well my whole heart.

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Speaker 1: That's so fun. I'm just assuming you met at high

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Speaker 1: school together.

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Speaker 4: No, we didn't. We went to youth group together.

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Speaker 1: Oh cute, So you didn't even have to do the

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Speaker 1: whole awkward school thing. That's a win. That is a win,

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Speaker 1: No wonder it worked.

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Speaker 4: Out Basically when we got married, we were children and

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Speaker 4: didn't really know how to manage money. It was also

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Speaker 4: the first time both of us lived independently from home,

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Speaker 4: so it was the first time both of us moved out,

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Speaker 4: and so we had to furnish your house. And we

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Speaker 4: both had quite low paying jobs at the same time,

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Speaker 4: so we were both pretty much on minimum wage.

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Speaker 1: I mean, you were twenty two, so that makes a

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Speaker 1: lot of sense.

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Speaker 4: Yeah, my partner isn't really a spender, but he's also,

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Speaker 4: like I would say, maybe a little bit of an enabler,

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Speaker 4: because like every time I would ask like, oh can

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Speaker 4: I get this thing, he'd be like, yeah, I don't care.

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Speaker 2: Now.

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Speaker 1: I love that. I mean, I'm glad that that has stopped,

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Speaker 1: But I mean I like a man who just lets

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Speaker 1: you have whatever you want ten out of ten.

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Speaker 4: Yeah, And so because of that, we just kind of

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Speaker 4: ended up with a lot of unnecessary spending. And what

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Speaker 4: kind of took us over the edge is we got

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Speaker 4: a puppy.

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Speaker 1: Yeah, what kind of puppy you were allowed to tell us?

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Speaker 1: It's a Japanese Oh my gosh, they're gorgeous.

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Speaker 4: Yeah, little white fluffy cloud ah, cloud baby. We were

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Speaker 4: on a wait list for like two and a half

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Speaker 4: years with this breeder because I wanted an ethical breeder

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Speaker 4: and all that sort of stuff, and she basically said like, oh,

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Speaker 4: someone can't get their puppy, so like, do you want it?

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Speaker 4: Like it's available, You're next on the list. And so

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Speaker 4: I very stupidly drew out money on a credit card.

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Speaker 4: So it was quite a lot of interest on that,

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Speaker 4: and then on top of just constantly living in overdraft

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Speaker 4: and all of these types of things, we just ended

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Speaker 4: up in a lot of debt.

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Speaker 1: Basically, I'm not surprised. I mean, I feel like, regardless

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Speaker 1: of my financial situation, I would have done the same

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Speaker 1: thing as you. I don't know how many of the

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Speaker 1: podcasts you've listened to, but I have spoken publicly before

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Speaker 1: about how I got my cat Bailey when he was

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Speaker 1: one and he was a rescue, but it cost me

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Speaker 1: two hundred and fifty dollars and at that point I

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Speaker 1: only had three hundred dollars in my account and I

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Speaker 1: didn't have enough money to buy him like a crate

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Speaker 1: or food or anything. But I was like, this is

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Speaker 1: an investment, like I need this pet, like they're the rules,

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Speaker 1: Like I feel like pets circumvent money rules, so like,

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Speaker 1: I don't know, I feel like your baby was a

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Speaker 1: good decision.

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Speaker 4: He definitely was. So he's poor now and so definitely

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Speaker 4: well worth the money, and very fortunately because part of

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Speaker 4: it is we wanted a healthy breed. He hasn't cost

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Speaker 4: us any additional money yet.

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Speaker 1: I love that you waited for an ethical breeder too.

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Speaker 1: That sounds like exactly how I ended up with our

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Speaker 1: dog Lucy. Like we were on this really big wait

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Speaker 1: list and then someone didn't want her because she was

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Speaker 1: the wrong color, and they called us like three days

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Speaker 1: before we got her and said do you want her?

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Speaker 1: And I was like absolutely, I do. Like it happened

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Speaker 1: all so quickly, but like ethical breeders have such long lists.

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Speaker 4: Yeah, that's pretty much what happened with us, and then

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Speaker 4: like it was us so Christmas time, we were moving

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Speaker 4: into a new rental at the time, and so like

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Speaker 4: we had to pay bond and then it was a lot.

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Speaker 1: Aah so much. So tell me what happened after that.

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Speaker 1: So we've had a puppy join the family and we've

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Speaker 1: started to get into debt.

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Speaker 4: After that, we still weren't like great, We were still

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Speaker 4: just kind of coasting along really, but then also puppy

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Speaker 4: Instagram influence sort of took over, and so I was

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Speaker 4: spending a lot of money on him and that sort

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Speaker 4: of stuff when I didn't really have anything to do.

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Speaker 4: And then we were just sort of talking about it

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Speaker 4: and then just decided one day to go to the

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Speaker 4: bank just to see like if we could get a mortgage,

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Speaker 4: like what we would have to do to one day

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Speaker 4: buy a house. And we didn't think anything would happen

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Speaker 4: because we had not had any savings whatsoever. But we

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Speaker 4: did have a Kili saver where you put like three

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Speaker 4: percent away of your income. Yeah, because we were low earners,

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Speaker 4: we were in the threshold for the first home buyers,

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Speaker 4: and so we got one of the homes that were

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Speaker 4: affordably priced by the government and that sort of stuff.

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Speaker 4: It's not a forever home or anything like that, but

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Speaker 4: it's a great start at home and we got all

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Speaker 4: of the grants that we were able to do, so

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Speaker 4: we ended up being able to purchase a house. Yeah.

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Speaker 1: No, that makes absolute sense. To just explain it a

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Speaker 1: little bit more. Because a lot of our audience are Australian,

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Speaker 1: our money most today is from New Zealand, which is

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Speaker 1: why she said that she had a Kiwi Saver. But

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Speaker 1: one of the cool things about Kiwi Saver is that

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Speaker 1: you can use it to purchase your first property, which

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Speaker 1: is kind of helpful and not something that's available to

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Speaker 1: us but fun to learn from.

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Speaker 4: Yeah, So we basically just had that and then at

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Speaker 4: the time, the government had grants to go towards your

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Speaker 4: deposit as well if you were a low income earner

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Speaker 4: as well.

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Speaker 1: Mm hmm.

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Speaker 4: And so we were able to get our house for

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Speaker 4: well under what it would be commercially priced for. I

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Speaker 4: suppose money win, definite money win. I think I actually

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Speaker 4: posted about it. Oh did you actually? Yeah?

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Speaker 1: Oh my gosh, that would have been a few years

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Speaker 1: ago too.

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Speaker 4: Huh yeah, just three years ago.

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Speaker 1: Yeah, I'm going to go find it. I love it.

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Speaker 4: Then we literally lived in an empty house with a

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Speaker 4: bed for a year almost yep, because we didn't have

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Speaker 4: anything else. And after about a year, we just decided

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Speaker 4: we didn't want to be living paycheck to paycheck or

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Speaker 4: putting everything on a credit card or overdraft anymore. Yeah,

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Speaker 4: And so we just got a consolidation loan, got all

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Speaker 4: of our credit card debt, overdraft debt and all that

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Speaker 4: sort of stuff into one loan, and they try to

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Speaker 4: put us on for like ten years to pay it off,

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Speaker 4: and I was like, no, no, We're paying it off.

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Speaker 1: In three years, Queen, I love this.

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Speaker 4: Yeah. So the time pressure really helped get that down,

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Speaker 4: and we pretty much did like a one to eighty

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Speaker 4: on how we were living our life and spending our

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Speaker 4: money after that, because we went from barely having any

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Speaker 4: money and then like lookdown as like why is this

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Speaker 4: because it was no reason for us because we had

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Speaker 4: gotten like a few promotions over the time and that

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Speaker 4: sort of stuff, so we were earning more money, but

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Speaker 4: we were still very skinned and so mostly we just

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Speaker 4: like focus on cutting down on like unnecessary spending and

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Speaker 4: stuff like that. So like a big thing we found

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Speaker 4: after going through our accounts is like we spent a

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Speaker 4: lot on groceries but then spent a lot of money

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Speaker 4: on takeaways.

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Speaker 1: That feels very familiar to me. I don't know if

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Speaker 1: I want to expand on that or talk about it.

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Speaker 1: I'm not ready to make any change, but I like

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Speaker 1: that you did.

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Speaker 4: Yeah, so that was one thing we did. We cut

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Speaker 4: down on like our takeaway and grocery bills from I

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Speaker 4: think we were spending like two hundred and fifty bucks

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Speaker 4: for like two people and a small dog, which was

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Speaker 4: a little bit overboard for us because we were also

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Speaker 4: buying the takeaways and stuff. So now our grocery bills

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Speaker 4: like one hundred dollars and we spend like thirty dollars

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Speaker 4: on takeaway a week.

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Speaker 1: Oh my gosh, that's a massive change.

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Speaker 4: We've got like a reduced to clear. I don't know

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Speaker 4: what they are in Australia, but they're like.

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Speaker 1: It's kind of like a not quite right INQR. Yeah, yeah, yeah,

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Speaker 1: we've got them over here as well. I think it's

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Speaker 1: the same chain, to be honest.

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Speaker 4: And so like we get like our coffee pods and

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Speaker 4: like all those sorts of things that don't really matter,

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Speaker 4: but like I get them for a lot cheaper and

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Speaker 4: stuff like that.

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Speaker 1: I feel like that's very smart. Though. We have a

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Speaker 1: shop over here called the Reject Shop. Oh I don't

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Speaker 1: know if you've got that there, but at the Reject

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Speaker 1: Shop they have like lots of I guess, pantry staples

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Speaker 1: and cleaning products and stuff. And I went in there

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Speaker 1: a couple of weeks ago looking for one thing, and

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Speaker 1: I came out with so much stuff because I was like,

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Speaker 1: oh my gosh, these like dish washing tablets are so

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Speaker 1: cheap and look at this dish washing Like I got

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Speaker 1: so many cleaning supplies and I think I spent like

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Speaker 1: thirty dollars or something, and it was like so good.

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Speaker 1: And I said to my husband when I got home,

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Speaker 1: I was like, you're not buying dish washing tablets ever

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Speaker 1: again from WOOLI. It's like it's not happening, No deal,

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Speaker 1: no deal.

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Speaker 4: Yeah, So that's like pretty much what we go Therefore,

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Speaker 4: we go for like all the household sort of stuff

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Speaker 4: and just all those like random things that it doesn't

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Speaker 4: really matter.

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Speaker 1: Yeah, no smart, I love it. I think that regardless

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Speaker 1: of what you earn, that's a really easy way to

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Speaker 1: get basically the same thing, but for cheaper. Why not.

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Speaker 4: Yeah, and then like another thing we did is like

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Speaker 4: we implemented personal spending separate from our joint spending. Yeah.

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Speaker 4: So originally we just had like a joint account and

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Speaker 4: all of our money went in there and all of

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Speaker 4: our money went out from the same account. But when

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Speaker 4: we decided to sort out our financials, we both got

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Speaker 4: a personal account that the other doesn't have access to,

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Speaker 4: which we get like pocket money yeap.

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Speaker 1: Cool, and so we can spend it on whatever you like.

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Speaker 4: Yeah, we both earn very similar amounts and so it's

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Speaker 4: not really a one person earns more than the other

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Speaker 4: sort of thing, so it's not.

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Speaker 1: Really too much of an issue for us. Yeah cool,

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Speaker 1: but it all works out.

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Speaker 4: Yeah, and then the dog gets his pocket money too.

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Speaker 1: Does he actually is that for like his food or

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Speaker 1: is that for like additional like baby chinos or do

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Speaker 1: they call them puppy chinos? And then like outfits and stuff,

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Speaker 1: because I feel like having a Japanese spits like those

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Speaker 1: are fashionable boys, Like those aren't like normal dogs that

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Speaker 1: just you know, get a dry as a bone coat,

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Speaker 1: Like he's probably got fancy wardrobe, right.

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Speaker 4: He doesn't like wearing clothes fortunately, because he's a fluffy boy.

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Speaker 4: But he's got a lot of bandannas and bows.

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Speaker 1: Yeah. See, he's got outfits. He's a fancy boy.

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Speaker 4: Yeah. So also we've got like his account is accumulating,

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Speaker 4: so because we don't have pit insurance because his breed

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Speaker 4: is known for being a little bit more healthy and

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Speaker 4: that sort of stuff. So instead of having pit insurance,

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Speaker 4: we just put money in there just in case.

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Speaker 1: Oh I love that. I think that that's really I

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Speaker 1: guess smart from your perspective, but like what a little

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Speaker 1: responsible dog boy. Yeah's got his own saving account. He's

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Speaker 1: getting it, yes he does. Can't wait for you guys

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Speaker 1: to potentially have kids one day, like they are gonna

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Speaker 1: be so financially savvy look at the dog.

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Speaker 4: Yeah, definitely. And so at the same time, with all

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Speaker 4: of the financial side, we were so just working towards

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Speaker 4: earning more and so we did a lot of overtime.

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Speaker 4: For about a year and a half, we were working

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Speaker 4: for like six days a week. I think we at

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Speaker 4: some points we're going up to like seventy hours a week.

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Speaker 1: No, that's so many hours. Did you sleep?

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Speaker 4: Yeah, we slept, but all we did was wake up,

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Speaker 4: go to work, come sleep.

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Speaker 1: Yeah, the dogs sleep amazing.

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Speaker 4: Yeah, and then at the time I started my own business.

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Speaker 1: Of course you do it. These story is just getting better.

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Speaker 1: I told you I'm going to have a bone to

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Speaker 1: pick with their C plus. You're not prepping yourself for

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Speaker 1: a C plus at the end, my friend, I.

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Speaker 4: Have a reason for what right, right?

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Speaker 1: Alright, alright, I'll let you get to it. Tell me

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Speaker 1: about your small business.

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Speaker 4: So I'm a virtual assistant, So I helped small businesses

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Speaker 4: and that sort of stuff who were literally a single

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Speaker 4: person just doing their small business and they can't quite

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Speaker 4: employ a full i'm staff member or anything like that,

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Speaker 4: So I do their admin work in like a couple

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Speaker 4: of hours here and there for a couple of different people.

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Speaker 1: Oh, how cool. That's so helpful. When I was starting up,

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Speaker 1: I definitely needed that.

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Speaker 4: I've got one consistent client that I do quite a

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Speaker 4: lot of work for. It's quite a lot of fun.

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Speaker 1: All right. I want to know, now you've obviously got

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Speaker 1: a lot under your belt. What do you do for work?

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Speaker 1: How much money do you win? And if you feel

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Speaker 1: like it, can you tell me what your partner does

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Speaker 1: and what he owns.

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Speaker 4: Yeah, so we actually work together at his family's business.

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Speaker 1: Very cool.

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Speaker 4: His family owns a craft retail store, and quite a

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Speaker 4: few years ago now, he moved over there to go

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Speaker 4: work with them because they were expanding a little bit,

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Speaker 4: and then when COVID hit and that sort of stuff,

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Speaker 4: they needed a few people to help out because online

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Speaker 4: sales went a little bit nutsy. That's cool though, yeah,

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Speaker 4: And so I moved over there and I work in

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Speaker 4: the warehouse with my husband, doing like all the post

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Speaker 4: and stuff like that, getting everyone's orders out and making

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Speaker 4: sure everyone's happy.

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Speaker 1: Yeah, very cool.

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Speaker 4: So I earn seventy two a year my salary, and

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Speaker 4: then my partner earns I think it's about seventy eight.

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Speaker 1: Is there a reason why it's different.

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Speaker 4: He's been working me longer and he is also a technician.

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Speaker 1: Yeah, okay, that makes sense. I was like, hold up,

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Speaker 1: you're telling me that you do the same job for

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Speaker 1: different pays. I'm not having that, though.

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Speaker 4: He has additional responsibilities and stuff like that because he's

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Speaker 4: also a technician for some of their.

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Speaker 1: Yeah, you know, that makes absolute sense for those of

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Speaker 1: you playing along in the Australian market, seventy two thousand

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Speaker 1: dollars in New Zealand money is sixty six eight hundred

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Speaker 1: in Australian, which is just interesting to know. And has

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Speaker 1: that always been your income? You said before, Oh, we

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Speaker 1: were super low income earners, and like, that's not super

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Speaker 1: low income to me. So is that recent?

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Speaker 4: There is recent? Yeah, within the last year. When we

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Speaker 4: first got married, I was working at a law.

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Speaker 1: For were your fancy pants?

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Speaker 4: Yeah, And I was just like the admin stuff And

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Speaker 4: I was earning barely minimum wage for quite a long time.

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Speaker 4: And he was an apprentice electrician, so he was an

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Speaker 4: apprentice for wages, so we had very minimal income.

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Speaker 1: It would have been a snug budget.

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Speaker 4: Yeah.

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Speaker 1: I love that all right. I want to know now,

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Speaker 1: because you already own your first home, what is your

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Speaker 1: big money goal? What are you currently working towards?

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Speaker 4: So our current money goal is hopefully next year, as

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Speaker 4: long as everything goes well, we'll be able to sell

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Speaker 4: this one and move to a lifestyle block and be

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Speaker 4: semi retired hopefully.

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Speaker 1: What does semi retired mean.

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Speaker 4: My partner, Hopefully he won't be working like a traditional

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Speaker 4: job anymore. We're hoping that he'll be able to because

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Speaker 4: we want to get a few goats and sheep and chickens. Yeah,

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Speaker 4: so like he'll be looking after the land and doing

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Speaker 4: that sort of stuff and hopefully go into markets and

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Speaker 4: you know, just a little bit of extra pocket money.

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Speaker 4: Not really the main source of income, yeah, but still

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Speaker 4: like we want to be as self sustainable as possible.

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Speaker 4: And then for me, hopefully I'll be able to get

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Speaker 4: my business running. So I'll be working about thirty eight

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Speaker 4: hours yep, because we both work forty five hours and

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Speaker 4: we've got about two and a half hours of travel

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Speaker 4: time a day.

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Speaker 1: Oh my gosh, No, you don't. That's crazy, No, wonder

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Speaker 1: you're looking forward to going. All right, we've got this

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Speaker 1: big goal we're working towards. We're going to get a

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Speaker 1: lifestyle block. We're going to semi retire because you would

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Speaker 1: be exhausted right now. Yes, Oh my gosh, that's crazy.

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Speaker 1: Tell me more about these business of yours. Obviously going

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Speaker 1: to thirty eight hours a week would be super exciting,

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Speaker 1: also much nicer doing that seventy hours that you were

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Speaker 1: doing historically. But what type of income do you think

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Speaker 1: that will bring in? Really?

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Speaker 4: I just want enough to survive, so I don't really

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Speaker 4: want to be a big earner or anything like that,

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Speaker 4: Like just enough to cover what little mortgage we have,

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Speaker 4: because hopefully we'll be able to sell and that will

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Speaker 4: cover our new property because we want to go somewhere

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Speaker 4: really rural, so it's not going to be too expensive exciting. Yeah,

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Speaker 4: so like just enough to sort of cover going to

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Speaker 4: the cafe once a week kind of thing.

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Speaker 1: I love this. It's so lifestyle focused. All right. I

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Speaker 1: want to ask you a lot more about your mortgage

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Speaker 1: and what you're currently paying and what's left on it,

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Speaker 1: and what a lifestyle block is going to cost. But

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Speaker 1: let's do that right after this break. All right, we

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Speaker 1: are back money diarist. I'm so invested in understanding a

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Speaker 1: bit more about your buying a lifestyle block and like

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Speaker 1: semi retired life, Like you're buying goats, Like how does

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Speaker 1: it feel to live my actual dream? My husband said,

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Speaker 1: I can't have a goat because they have you had

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Speaker 1: shaped eyes, like their eyes are square.

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Speaker 4: No, so we want to get They're called pygmy goats.

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Speaker 1: Oh no, they don't. They're the cutest kind.

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Speaker 4: Yeah, the little minutia goats.

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Speaker 1: I follow pigmy goats on TikTok and like have you

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Speaker 1: seen them? They like have their hay baiales and they

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Speaker 1: like jump up and down their hay bales like they're

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Speaker 1: so cute, they're mini.

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Speaker 4: Yeah. So we're in contact with a breeder at the moment,

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Speaker 4: So can.

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Speaker 1: I please come visit? Like you are going to actually

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Speaker 1: live my dream, like I asked for a goat at

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Speaker 1: least once a week, like I wish I was joking.

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Speaker 1: The next question I want to ask you is do

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Speaker 1: you have any investments. If so, what are they so

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Speaker 1: talk to me about that and how that plays into

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Speaker 1: potentially being able to semi retire.

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Speaker 4: Yeah, so about four months ago, we both had a

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Speaker 4: bunch of savings and we decided to just put ten

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Speaker 4: thousand dollars into a managed fund.

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Speaker 1: Oh, very cool.

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Speaker 4: Someone else can make some decisions for me. I don't

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Speaker 4: want to think about it.

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Speaker 1: Tell me how you picked the managed fund. How did

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Speaker 1: you make that decision? Because a lot of people they'll

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Speaker 1: go straight into maybe like an ETF because it's the easiest,

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Speaker 1: Like you could just download the chasas app and buy that.

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Speaker 1: And obviously you can get managed funds, but they seem

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Speaker 1: a little bit more complex, especially to first time investors.

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Speaker 1: Where did you get your info from? Where did you

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Speaker 1: get your confidence to go? You know what, I'm going

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Speaker 1: to put ten grand in this.

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Speaker 4: Asset, So I spoke to a few different people. We

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Speaker 4: ended up just going through a company that my cousin

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Speaker 4: works for, so that sort of helps. Yeah.

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Speaker 1: I was going to say that would make me a

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Speaker 1: bit more comfortable too.

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Speaker 4: Yeah, and it might not be the highest owner, but

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Speaker 4: we wanted to do an ethical fund, so it's for

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Speaker 4: businesses who are doing more sustainable work and that sort

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Speaker 4: of stuff, because it just aligned with our values.

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Speaker 1: Love love love. So it was just something that you

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Speaker 1: were like, all right, We've done a bit of research.

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Speaker 1: I've got a family friend or a family member that

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Speaker 1: works there. It all just makes sense for us at

436
00:20:52,960 --> 00:20:55,880
Speaker 1: this point. I love that I always ask because it's

437
00:20:55,920 --> 00:20:58,959
Speaker 1: often such a big decision to start your investing journey

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Speaker 1: and it can be so overwhelming. And the more I

439
00:21:01,520 --> 00:21:03,160
Speaker 1: know about it and ask you about it, the more

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Speaker 1: our community knows and the more comfortable they are starting

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Speaker 1: their investment journeys. Was that always what you were thinking?

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00:21:09,560 --> 00:21:11,200
Speaker 1: You were like, Oh, we're going to get this lump

443
00:21:11,200 --> 00:21:13,359
Speaker 1: sum and invest or. Was it something that you really

444
00:21:13,400 --> 00:21:16,239
Speaker 1: hadn't thought much about when it came to saving, or like,

445
00:21:16,720 --> 00:21:17,600
Speaker 1: how did that work?

446
00:21:18,119 --> 00:21:21,960
Speaker 4: So originally we were actually saving because our original plan

447
00:21:22,440 --> 00:21:27,200
Speaker 4: was to buy a van and travel around New Zealand

448
00:21:27,240 --> 00:21:31,560
Speaker 4: for a year. Mm hm. But we just decided we

449
00:21:31,600 --> 00:21:33,679
Speaker 4: didn't really want to do that anymore. So we had

450
00:21:33,720 --> 00:21:35,440
Speaker 4: this money and I just didn't want it sitting around

451
00:21:35,440 --> 00:21:39,120
Speaker 4: in a bank account. Really, and I spoke to my partner.

452
00:21:39,240 --> 00:21:41,720
Speaker 4: I don't remember, but I think I listened to an

453
00:21:41,760 --> 00:21:44,800
Speaker 4: episode about investment and stuff like that, and I was like, Hey,

454
00:21:44,800 --> 00:21:47,280
Speaker 4: can we do that? And he's very nonchalant about money,

455
00:21:47,280 --> 00:21:48,640
Speaker 4: so he's like, yes, you'll go for it.

456
00:21:48,880 --> 00:21:52,119
Speaker 1: I love this, all right, talk to me about debt.

457
00:21:52,560 --> 00:21:54,560
Speaker 1: You said before you have a mortgage, do you have

458
00:21:54,600 --> 00:21:56,919
Speaker 1: any personal debt left? If so, what is it? And

459
00:21:56,960 --> 00:21:59,000
Speaker 1: then tell me all about your mortgage.

460
00:21:59,760 --> 00:22:03,960
Speaker 4: So we have a credit card, but like, I have

461
00:22:04,080 --> 00:22:07,000
Speaker 4: the money an account to pay off my credit card,

462
00:22:07,080 --> 00:22:09,120
Speaker 4: so we always have the money for the credit card,

463
00:22:09,160 --> 00:22:12,120
Speaker 4: and that's all that we have outside of the mortgage.

464
00:22:12,119 --> 00:22:15,560
Speaker 4: I paid off my student loan and we paid off

465
00:22:15,560 --> 00:22:18,640
Speaker 4: that personal loan, and we sort of made the decision

466
00:22:18,680 --> 00:22:21,080
Speaker 4: not to have any debt besides the mortgage.

467
00:22:21,080 --> 00:22:24,280
Speaker 1: Ever, again, Love, do you use the credit card just

468
00:22:24,400 --> 00:22:27,600
Speaker 1: for I guess security purposes or are we you know,

469
00:22:27,760 --> 00:22:30,520
Speaker 1: using it to get points or like what role does

470
00:22:30,560 --> 00:22:32,760
Speaker 1: that play in your I guess money story.

471
00:22:33,400 --> 00:22:35,159
Speaker 4: I also have after pay, but again I have an

472
00:22:35,160 --> 00:22:38,960
Speaker 4: account where we put the money for the full purchase

473
00:22:38,960 --> 00:22:41,600
Speaker 4: and then the after pay comes out because I feel

474
00:22:41,680 --> 00:22:45,560
Speaker 4: very nervous having zero dollars.

475
00:22:45,920 --> 00:22:48,120
Speaker 1: Yeah I get it, I totally get it.

476
00:22:48,520 --> 00:22:50,639
Speaker 4: Yeah, so we have our savings and stuff, but we

477
00:22:50,640 --> 00:22:52,920
Speaker 4: don't touch our savings and then I feel very nervous

478
00:22:52,920 --> 00:22:57,080
Speaker 4: that something is going to happen, like our tires burst

479
00:22:57,200 --> 00:22:58,679
Speaker 4: or something like that. And I know that's what the

480
00:22:58,920 --> 00:23:02,400
Speaker 4: savings because we have an emergency fund. I always want

481
00:23:02,400 --> 00:23:05,680
Speaker 4: to have money, especially not from before when we were

482
00:23:05,720 --> 00:23:09,600
Speaker 4: literally negative money all the time, and so we use

483
00:23:09,640 --> 00:23:13,400
Speaker 4: the credit card and after pay just to have those

484
00:23:13,440 --> 00:23:17,560
Speaker 4: things coming out slowly rather than putting down all of

485
00:23:17,560 --> 00:23:18,439
Speaker 4: the money for something.

486
00:23:18,680 --> 00:23:21,160
Speaker 1: See, you're one of the people that uses it responsibly.

487
00:23:21,240 --> 00:23:24,119
Speaker 1: I can't be trusted with that. So I always like asking,

488
00:23:24,119 --> 00:23:25,960
Speaker 1: because I'm like, oh, well, if you've got a credit

489
00:23:25,960 --> 00:23:27,800
Speaker 1: card and you've got after pay, like, what does that

490
00:23:27,840 --> 00:23:30,840
Speaker 1: look like? And obviously you're using it or plays easily

491
00:23:30,880 --> 00:23:32,879
Speaker 1: into your cash flow. And I'm going to make a

492
00:23:32,880 --> 00:23:36,080
Speaker 1: grand assumption that you like something like after pay because

493
00:23:36,080 --> 00:23:38,120
Speaker 1: you get your own pocket money and therefore you can

494
00:23:38,160 --> 00:23:40,440
Speaker 1: cash flow those bigger purchases. Is that right?

495
00:23:41,040 --> 00:23:46,400
Speaker 4: Yeah? Yeah, yeah, So like I bought a cricket recently,

496
00:23:46,520 --> 00:23:48,959
Speaker 4: and like I wanted to buy a cricket. Like, we

497
00:23:49,000 --> 00:23:51,440
Speaker 4: also put time between purchases and stuff like that, and

498
00:23:51,440 --> 00:23:52,840
Speaker 4: so I've been thinking about it for a really long

499
00:23:52,880 --> 00:23:55,879
Speaker 4: that's a big purchase. Huh yeah, yeah, for big purchases,

500
00:23:56,040 --> 00:23:59,000
Speaker 4: and so like putting it on after pay just gives

501
00:23:59,040 --> 00:24:01,200
Speaker 4: me the peace of mind because I have the money there.

502
00:24:01,040 --> 00:24:03,240
Speaker 1: But you just want to see it come out slowly.

503
00:24:03,400 --> 00:24:05,359
Speaker 1: I get it. I get it, like I understand it

504
00:24:05,400 --> 00:24:07,320
Speaker 1: in principle, but I could never be trusted with it

505
00:24:07,359 --> 00:24:10,080
Speaker 1: in real life. Let's be honest. No, I love it.

506
00:24:10,160 --> 00:24:12,800
Speaker 1: So now tell me. I'd be about your mortgage. How

507
00:24:12,880 --> 00:24:15,080
Speaker 1: much is it? How much did you purchase your house for?

508
00:24:15,160 --> 00:24:16,879
Speaker 1: And what's the plan with getting rid of it?

509
00:24:17,359 --> 00:24:21,720
Speaker 4: Our current mortgage is five hundred and forty thousand. We

510
00:24:21,880 --> 00:24:25,600
Speaker 4: bought the property for six hundred and forty.

511
00:24:25,960 --> 00:24:28,199
Speaker 1: Oh look at you guys going, You've only had it

512
00:24:28,240 --> 00:24:30,000
Speaker 1: for three years, is that right?

513
00:24:30,520 --> 00:24:33,560
Speaker 4: Yeah? So after we paid off our personal loan and

514
00:24:33,560 --> 00:24:36,280
Speaker 4: stuff like that, we just basically said the three hundred

515
00:24:36,280 --> 00:24:38,159
Speaker 4: dollars or four hundred dollars that was going towards it

516
00:24:38,320 --> 00:24:40,600
Speaker 4: is going to our mortgage now, so we updo our

517
00:24:40,640 --> 00:24:42,320
Speaker 4: mortgage as soon as we paid off our debt.

518
00:24:42,480 --> 00:24:45,320
Speaker 1: Oh my gosh, how exciting is this? You have? What

519
00:24:45,480 --> 00:24:47,520
Speaker 1: is it You're planning on getting rid of a mortgage

520
00:24:47,520 --> 00:24:49,520
Speaker 1: at this rate in the less than ten years?

521
00:24:50,000 --> 00:24:55,879
Speaker 4: Yeah. So the recent evaluation for the house was seven

522
00:24:55,960 --> 00:25:01,480
Speaker 4: hundred and fifty oh money when Yeah, So theoretically between

523
00:25:01,520 --> 00:25:03,680
Speaker 4: now and when we go to sell, the house will

524
00:25:03,720 --> 00:25:06,080
Speaker 4: have paid off a little bit more and we're hoping

525
00:25:06,119 --> 00:25:08,119
Speaker 4: the housing market will go up a little bit. But

526
00:25:09,320 --> 00:25:11,320
Speaker 4: also we're not depending on it.

527
00:25:11,320 --> 00:25:13,639
Speaker 1: It's looking very healthy right now though.

528
00:25:13,880 --> 00:25:14,120
Speaker 4: Yeah.

529
00:25:14,160 --> 00:25:17,920
Speaker 1: So let's pretend that the house sells for seven fifty

530
00:25:18,240 --> 00:25:21,159
Speaker 1: at market price at this point in time. Is that

531
00:25:21,320 --> 00:25:23,960
Speaker 1: enough to buy your lifestyle block and you know, pop

532
00:25:23,960 --> 00:25:26,120
Speaker 1: a little house on it or what does that purchase

533
00:25:26,160 --> 00:25:27,280
Speaker 1: look like in the future.

534
00:25:27,560 --> 00:25:32,399
Speaker 4: So we actually have like a property that we really

535
00:25:32,400 --> 00:25:34,199
Speaker 4: really love and it's been on the market for a

536
00:25:34,240 --> 00:25:37,440
Speaker 4: while because it's a really awkward property because no one

537
00:25:37,480 --> 00:25:39,440
Speaker 4: wants to live out in the middle of nowhere.

538
00:25:39,480 --> 00:25:42,240
Speaker 1: Except for you, You and your goats and your dog.

539
00:25:42,359 --> 00:25:45,520
Speaker 1: Do yes, that tells me it's negotiable. We like that.

540
00:25:45,760 --> 00:25:47,639
Speaker 4: Yes, And so it was on the market for the

541
00:25:47,680 --> 00:25:50,399
Speaker 4: three hundred and twenty, but now it's gone to negotiation,

542
00:25:51,400 --> 00:25:56,560
Speaker 4: so we're hoping it will be still on the market

543
00:25:57,000 --> 00:25:58,440
Speaker 4: or at least something comparable.

544
00:25:58,800 --> 00:26:02,600
Speaker 1: Hey, that's exciting. Is that what plays into you potentially

545
00:26:02,640 --> 00:26:05,160
Speaker 1: being able to I guess semi retire.

546
00:26:05,920 --> 00:26:11,280
Speaker 4: Yeah, So hopefully what we're planning is even no mortgage

547
00:26:11,359 --> 00:26:14,680
Speaker 4: and then having no money and then having to build

548
00:26:14,760 --> 00:26:17,560
Speaker 4: up everything like the things that we need for the

549
00:26:17,640 --> 00:26:21,320
Speaker 4: animals and gardens and stuff like that, or selling the

550
00:26:21,359 --> 00:26:24,040
Speaker 4: house and having a small mortgage of about one hundred

551
00:26:24,040 --> 00:26:28,960
Speaker 4: thousand so that we have some money still in our

552
00:26:29,000 --> 00:26:30,880
Speaker 4: pockets to be able to do the things straight away.

553
00:26:30,960 --> 00:26:32,919
Speaker 1: Yeah, one hundred percent. Because if we're looking at your

554
00:26:32,960 --> 00:26:35,439
Speaker 1: mortgage right now five point forty in the valuation of

555
00:26:35,640 --> 00:26:38,320
Speaker 1: seven point fifty, and we'll pretend that it just goes clean,

556
00:26:38,800 --> 00:26:40,920
Speaker 1: that means that you're sitting on about two hundred and

557
00:26:41,240 --> 00:26:43,800
Speaker 1: ten thousand of equity. And then if you purchase a

558
00:26:43,800 --> 00:26:46,000
Speaker 1: three twenty property you've got a mortgage of one hundred

559
00:26:46,040 --> 00:26:48,640
Speaker 1: and ten. You've obviously done your numbers. I've just done

560
00:26:48,680 --> 00:26:50,439
Speaker 1: your numbers so that I could confirm it and it

561
00:26:50,480 --> 00:26:53,960
Speaker 1: made sense to me. But is that something that you go,

562
00:26:54,240 --> 00:26:56,440
Speaker 1: all right, now we can kind of like go back

563
00:26:56,480 --> 00:26:59,040
Speaker 1: to having one income and have more of a lifestyle

564
00:26:59,160 --> 00:27:01,880
Speaker 1: as opposed to just working our lives away. Is that

565
00:27:01,920 --> 00:27:02,320
Speaker 1: the plan?

566
00:27:02,400 --> 00:27:07,760
Speaker 4: Yeah, both my partner and I sort of see money

567
00:27:07,800 --> 00:27:10,080
Speaker 4: and that sort of stuff in just like a means

568
00:27:10,119 --> 00:27:13,960
Speaker 4: to an end sort of way. We don't need a

569
00:27:13,960 --> 00:27:17,000
Speaker 4: lot of it, and we don't need an excess lifestyle

570
00:27:17,040 --> 00:27:19,199
Speaker 4: and stuff like that. So like having a couple of

571
00:27:19,200 --> 00:27:22,040
Speaker 4: goats and chickens and stuff is more than what we

572
00:27:22,080 --> 00:27:22,919
Speaker 4: need in our lives.

573
00:27:23,240 --> 00:27:25,320
Speaker 1: Not literally living the dream. I love it. And you

574
00:27:25,359 --> 00:27:27,040
Speaker 1: get to live in New Zealand, which is like one

575
00:27:27,080 --> 00:27:31,199
Speaker 1: of the most beautiful places on earth. Like I am obsessed.

576
00:27:31,359 --> 00:27:35,560
Speaker 1: This is honestly so dreamy. I want to know now, though,

577
00:27:35,800 --> 00:27:40,159
Speaker 1: you have, from my understanding, pretty good at money, Like

578
00:27:40,240 --> 00:27:43,000
Speaker 1: you've got some pretty good habits, Like you've shown me

579
00:27:43,080 --> 00:27:45,320
Speaker 1: that you can get out of dead and like, yeah,

580
00:27:45,359 --> 00:27:47,480
Speaker 1: you're fully across it. So I feel like you might

581
00:27:47,520 --> 00:27:49,639
Speaker 1: have some good tips and tricks for us. What is

582
00:27:49,680 --> 00:27:51,240
Speaker 1: your best money habit?

583
00:27:52,080 --> 00:27:55,360
Speaker 4: My best money habit I think is as soon as

584
00:27:55,359 --> 00:28:00,879
Speaker 4: we get paid, we move our money into savings bills.

585
00:28:01,240 --> 00:28:04,040
Speaker 4: So we've got like our personal money, we got savings account,

586
00:28:04,040 --> 00:28:06,400
Speaker 4: we've got a bill's account, and then we've got a

587
00:28:06,440 --> 00:28:10,080
Speaker 4: short term savings and then Marshmallow's account as well.

588
00:28:10,240 --> 00:28:12,359
Speaker 1: I love it. I love that your dog's name is Marshmallow.

589
00:28:12,440 --> 00:28:16,320
Speaker 1: Like that makes my entire heart so happy. Like, ah,

590
00:28:16,359 --> 00:28:19,120
Speaker 1: the best cash flow planning, that's a great money habit

591
00:28:19,200 --> 00:28:20,920
Speaker 1: to have. I think it's one that we all wish

592
00:28:21,000 --> 00:28:24,560
Speaker 1: we were better at. But what is your worst money habit?

593
00:28:25,040 --> 00:28:29,280
Speaker 4: Like my worst money habit actually is very similar, which

594
00:28:29,320 --> 00:28:34,399
Speaker 4: sounds really strange, but we don't actually budget. I just

595
00:28:34,480 --> 00:28:36,680
Speaker 4: kind of look at it and like, this is what

596
00:28:36,720 --> 00:28:39,080
Speaker 4: we need in this account now, and this is what

597
00:28:39,120 --> 00:28:41,920
Speaker 4: we need in this account. And so like, if you

598
00:28:42,000 --> 00:28:44,640
Speaker 4: ask me how much I actually plan to spend on

599
00:28:44,680 --> 00:28:47,600
Speaker 4: groceries or plan to spend on this, like I don't

600
00:28:47,600 --> 00:28:48,520
Speaker 4: really have a number.

601
00:28:49,760 --> 00:28:52,720
Speaker 1: That's okay though, because it looks like you're pretty across

602
00:28:52,760 --> 00:28:55,560
Speaker 1: on average what you're spending. Because earlier in this episode,

603
00:28:55,880 --> 00:28:58,040
Speaker 1: you explained to me that you used to spend two

604
00:28:58,120 --> 00:29:00,400
Speaker 1: hundred and fifty dollars on groceries and and you would

605
00:29:00,400 --> 00:29:02,320
Speaker 1: also do takeaways and stuff. But now that's like one

606
00:29:02,360 --> 00:29:05,080
Speaker 1: hundred dollars on groceries and thirty dollars on takeaway. So

607
00:29:05,120 --> 00:29:07,320
Speaker 1: I feel like, even though you're saying you're not good

608
00:29:07,360 --> 00:29:11,960
Speaker 1: at like calculating it, I can tell that you're across it. Still,

609
00:29:12,000 --> 00:29:14,120
Speaker 1: would you say that's accurate?

610
00:29:14,600 --> 00:29:16,920
Speaker 4: It's just kind of guesstimating, and I feel like I

611
00:29:16,960 --> 00:29:21,320
Speaker 4: could do better, Like I never look at my statements.

612
00:29:21,400 --> 00:29:23,640
Speaker 4: I know it's really bad, but no it's not.

613
00:29:23,760 --> 00:29:25,480
Speaker 1: I feel like so many of us have our head

614
00:29:25,480 --> 00:29:27,080
Speaker 1: in the sand about it. And let's be honest, money

615
00:29:27,120 --> 00:29:29,840
Speaker 1: can be really boring, Like it's not that exciting. That's

616
00:29:29,880 --> 00:29:32,280
Speaker 1: why I try so hard with this content to make

617
00:29:32,320 --> 00:29:35,360
Speaker 1: it exciting. But it's still not that sexy. Let's be honest.

618
00:29:36,200 --> 00:29:39,680
Speaker 4: Yeah, it's just that I actually look at things. I

619
00:29:39,720 --> 00:29:42,720
Speaker 4: probably spend a bit more than I need to on

620
00:29:42,800 --> 00:29:44,880
Speaker 4: certain things because I'm not really focused.

621
00:29:45,080 --> 00:29:47,800
Speaker 1: I totally resonate with it. Actually, I'm really excited about

622
00:29:47,800 --> 00:29:49,440
Speaker 1: this because I think this is something I can fix

623
00:29:49,520 --> 00:29:52,080
Speaker 1: for you. I'm actually going to gift you our budget

624
00:29:52,080 --> 00:29:54,160
Speaker 1: and cashually master class after this, so i'd like, once

625
00:29:54,200 --> 00:29:55,760
Speaker 1: we've done our money, Darry, I'm going to set you

626
00:29:55,840 --> 00:29:57,720
Speaker 1: up on all of that because I feel like if

627
00:29:57,760 --> 00:29:59,600
Speaker 1: you don't have a lot of clarity, I feel like

628
00:29:59,640 --> 00:30:02,440
Speaker 1: my buddy and cash flow like system will actually really

629
00:30:02,440 --> 00:30:04,520
Speaker 1: help because it sounds like you're good at cash flow planning,

630
00:30:04,760 --> 00:30:07,720
Speaker 1: but like this is about cash flow planning and projecting,

631
00:30:08,040 --> 00:30:09,840
Speaker 1: so you're kind of like, this is what we're actually

632
00:30:09,880 --> 00:30:11,840
Speaker 1: spending in This are the accounts that needs to go into,

633
00:30:11,880 --> 00:30:13,560
Speaker 1: and I feel like it might be a little bit cleaner,

634
00:30:13,600 --> 00:30:15,720
Speaker 1: but you and I will talk about that after. That's

635
00:30:15,760 --> 00:30:18,880
Speaker 1: a side note because I want to know now that

636
00:30:18,880 --> 00:30:21,040
Speaker 1: we've had this big conversation, and I mean, I did

637
00:30:21,040 --> 00:30:22,680
Speaker 1: say that i'd start a fight with you, and I'm

638
00:30:22,680 --> 00:30:24,239
Speaker 1: not going to start a fight with you. That's not

639
00:30:24,320 --> 00:30:26,600
Speaker 1: who I am. But you said I think I'm a

640
00:30:26,600 --> 00:30:29,880
Speaker 1: C plus or like a B minus. Hearing all of

641
00:30:29,880 --> 00:30:32,160
Speaker 1: this back, do you think that's accurate. If you do

642
00:30:32,240 --> 00:30:35,280
Speaker 1: think it's accurate, why and tell me what it would

643
00:30:35,360 --> 00:30:37,920
Speaker 1: take to get to like an A or an A plus.

644
00:30:38,240 --> 00:30:40,240
Speaker 4: Maybe like after talking about it, it's like more in

645
00:30:40,320 --> 00:30:41,280
Speaker 4: the B range.

646
00:30:41,400 --> 00:30:42,480
Speaker 1: Yeah, I would agree.

647
00:30:42,520 --> 00:30:45,320
Speaker 3: I'm like, you are so good at this, but like

648
00:30:45,360 --> 00:30:50,680
Speaker 3: I think it's also because I feel like, in particular

649
00:30:50,760 --> 00:30:53,240
Speaker 3: because I know a lot of people struggle with getting

650
00:30:53,280 --> 00:30:54,840
Speaker 3: a home and that sort of stuff, and we sort

651
00:30:54,840 --> 00:30:56,840
Speaker 3: of lucked.

652
00:30:56,480 --> 00:30:58,920
Speaker 4: Into it into a sort of way, like we didn't

653
00:30:58,920 --> 00:31:02,440
Speaker 4: really actively try or anything like that. And so I

654
00:31:02,480 --> 00:31:07,040
Speaker 4: feel like a big financial achievements not really like due

655
00:31:07,080 --> 00:31:10,240
Speaker 4: to my own effort and that sort of stuff.

656
00:31:10,280 --> 00:31:13,320
Speaker 1: But slow and steady wins the race. No, yeah, yeah,

657
00:31:13,360 --> 00:31:15,200
Speaker 1: And I feel like you've got to be in the

658
00:31:15,280 --> 00:31:17,080
Speaker 1: race to be able to win the race. And you're

659
00:31:17,120 --> 00:31:19,680
Speaker 1: absolutely in the race. You're just taking a step by

660
00:31:19,680 --> 00:31:20,680
Speaker 1: step and that's great.

661
00:31:21,360 --> 00:31:25,840
Speaker 4: Yeah. And so like I think on my active if

662
00:31:26,040 --> 00:31:29,080
Speaker 4: in my financial journey and stuff like that, like the

663
00:31:29,120 --> 00:31:32,240
Speaker 4: things that I'm doing for it and stuff like that, Yeah,

664
00:31:32,280 --> 00:31:34,960
Speaker 4: I'm not doing as much as I want to be

665
00:31:35,040 --> 00:31:38,000
Speaker 4: doing or like could be doing kind of thing.

666
00:31:38,360 --> 00:31:40,240
Speaker 1: I totally get it. I feel like we all put

667
00:31:40,280 --> 00:31:42,440
Speaker 1: so much pressure on ourselves as well, because I know

668
00:31:42,560 --> 00:31:44,040
Speaker 1: that there are going to be so many people listening

669
00:31:44,080 --> 00:31:47,040
Speaker 1: to this yelling and being like Marshmallow's mom is so

670
00:31:47,200 --> 00:31:50,520
Speaker 1: good at money, Like I don't understand what is she doing.

671
00:31:51,160 --> 00:31:53,120
Speaker 1: But at the same time, there might be people listening

672
00:31:53,160 --> 00:31:55,000
Speaker 1: to this and going, oh, I totally resonate, like I

673
00:31:55,040 --> 00:31:57,680
Speaker 1: can do more too, Like I totally you know, feel

674
00:31:57,680 --> 00:31:59,720
Speaker 1: like that's me and I'm not gonna argue with you.

675
00:32:00,000 --> 00:32:02,960
Speaker 1: Feel like the B range is absolutely fair if you

676
00:32:03,120 --> 00:32:05,320
Speaker 1: feel like you've got further to grow. And that's why

677
00:32:05,360 --> 00:32:07,800
Speaker 1: I always ask it, because I just go, well, you know,

678
00:32:08,000 --> 00:32:10,440
Speaker 1: what would it take to get from there to an A?

679
00:32:10,800 --> 00:32:14,400
Speaker 1: And everyone usually has a very good like, oh, well,

680
00:32:14,440 --> 00:32:16,280
Speaker 1: here are actually a few more goals and a few

681
00:32:16,280 --> 00:32:19,160
Speaker 1: more things that I would like to achieve so that

682
00:32:19,240 --> 00:32:22,160
Speaker 1: I feel like an A. And it's not necessarily whether

683
00:32:22,200 --> 00:32:25,560
Speaker 1: you're operating in an A aspect because like, there's actually

684
00:32:25,600 --> 00:32:27,880
Speaker 1: no criteria. I don't want to ruin it for you.

685
00:32:28,320 --> 00:32:31,000
Speaker 1: It's more how you feel about money and do you

686
00:32:31,000 --> 00:32:32,920
Speaker 1: think you could be doing better or do you think

687
00:32:32,960 --> 00:32:34,840
Speaker 1: you could you know, be a little bit more relaxed

688
00:32:34,880 --> 00:32:36,360
Speaker 1: on yourself. And I think you're on the right track.

689
00:32:36,400 --> 00:32:39,680
Speaker 1: I'm actually so excited for you to, I don't know,

690
00:32:39,800 --> 00:32:43,360
Speaker 1: live this life. It's just so about lifestyle and happiness

691
00:32:43,400 --> 00:32:45,680
Speaker 1: and having goats and having chickens and having your dog

692
00:32:45,800 --> 00:32:48,000
Speaker 1: have all of this space, like you're living the dream.

693
00:32:48,040 --> 00:32:50,800
Speaker 1: And I think that you've done such an epic job,

694
00:32:50,920 --> 00:32:53,760
Speaker 1: like going from being in debt you know, getting married

695
00:32:53,840 --> 00:32:56,760
Speaker 1: so early, being in a great position, getting out of

696
00:32:56,800 --> 00:32:58,800
Speaker 1: all that debt, and now owning your own home and

697
00:32:58,840 --> 00:33:03,400
Speaker 1: working towards semi RETI like, what a story money, diarrist Like.

698
00:33:03,280 --> 00:33:06,680
Speaker 4: I'm definitely proud of our journey, as you should be,

699
00:33:07,240 --> 00:33:10,200
Speaker 4: because like when we were younger and stuff like, all

700
00:33:10,240 --> 00:33:12,920
Speaker 4: that sort of stuff definitely put a strain on our relationship,

701
00:33:12,960 --> 00:33:16,400
Speaker 4: Like it was a big problem for us, and so

702
00:33:16,560 --> 00:33:20,920
Speaker 4: like dealing with it also, just like dealt with a

703
00:33:20,920 --> 00:33:23,600
Speaker 4: lot of issues in our relationship and stuff like that.

704
00:33:23,840 --> 00:33:26,080
Speaker 1: Yeah, no, I love that. And is that something that

705
00:33:26,120 --> 00:33:28,720
Speaker 1: you feel a little bit more comfortable within your relationship

706
00:33:28,760 --> 00:33:31,000
Speaker 1: now You're like, no, no, now we're across it, Like we're

707
00:33:31,120 --> 00:33:34,400
Speaker 1: very comfortable. Now we have a better relationship. Like what

708
00:33:34,520 --> 00:33:37,040
Speaker 1: could we do if we're in that circumstance back when,

709
00:33:37,360 --> 00:33:39,760
Speaker 1: I guess money was a lot more of a pressure

710
00:33:39,800 --> 00:33:40,120
Speaker 1: for you.

711
00:33:40,800 --> 00:33:44,160
Speaker 4: Well, considering the fact we literally spend all of our

712
00:33:44,200 --> 00:33:47,480
Speaker 4: time together. Now I would say we've got like a

713
00:33:47,560 --> 00:33:51,720
Speaker 4: pretty good relationship. We don't really fight anymore. But because

714
00:33:51,760 --> 00:33:53,960
Speaker 4: we've got all this sort of stuff, it's just it's

715
00:33:54,000 --> 00:33:58,720
Speaker 4: a lot easier. Like recently, my partner needed an upgrade

716
00:33:58,720 --> 00:34:01,160
Speaker 4: for his computer because it crashed and stuff like that,

717
00:34:01,280 --> 00:34:04,440
Speaker 4: and so it was really easy for us to just go, oh, well,

718
00:34:04,560 --> 00:34:06,160
Speaker 4: we'll just go and buy you some new things. It

719
00:34:06,200 --> 00:34:08,280
Speaker 4: wasn't really a stress. We didn't have to think about

720
00:34:08,320 --> 00:34:10,120
Speaker 4: it or anything like that. We didn't have to move

721
00:34:10,200 --> 00:34:12,799
Speaker 4: money around from this overdraft to that overdraft, and we

722
00:34:12,800 --> 00:34:16,120
Speaker 4: didn't have to argue about it or anything. So it's

723
00:34:16,160 --> 00:34:18,360
Speaker 4: definitely put us in a bitter position.

724
00:34:18,640 --> 00:34:22,960
Speaker 1: I love that so much money Diarist. Unfortunately that is

725
00:34:23,000 --> 00:34:25,000
Speaker 1: all we have time for today, So thank you so

726
00:34:25,080 --> 00:34:28,160
Speaker 1: much for being generous with your time and sharing your journey,

727
00:34:28,239 --> 00:34:30,680
Speaker 1: and I guess being so open. I feel like I've

728
00:34:30,840 --> 00:34:32,960
Speaker 1: learned a lot. But also I feel like I've made

729
00:34:32,960 --> 00:34:34,799
Speaker 1: a friend who I can visit in New Zealand, who's

730
00:34:34,840 --> 00:34:36,360
Speaker 1: going to have goats for me to play with. So

731
00:34:36,480 --> 00:34:46,600
Speaker 1: I love it. Thank you definitely. The advice shared on

732
00:34:46,760 --> 00:34:49,200
Speaker 1: She's on the Money is general in nature and does

733
00:34:49,239 --> 00:34:53,240
Speaker 1: not consider your individual circumstances. She's on the Money exists

734
00:34:53,360 --> 00:34:56,560
Speaker 1: purely for educational purposes and should not be relied upon

735
00:34:56,600 --> 00:34:59,640
Speaker 1: to make an investment or financial decision. If you do

736
00:34:59,760 --> 00:35:02,760
Speaker 1: too to buy a financial product, read the PDS, TMD

737
00:35:02,960 --> 00:35:07,200
Speaker 1: and obtain appropriate financial advice tailored towards your needs. Victoria

738
00:35:07,239 --> 00:35:10,759
Speaker 1: Divine and She's on the Money are authorized representatives of

739
00:35:10,840 --> 00:35:13,440
Speaker 1: Money sherper P t y lt D A b N

740
00:35:13,680 --> 00:35:16,840
Speaker 1: three two one six four nine two seven seven zero

741
00:35:16,960 --> 00:35:22,160
Speaker 1: eight afs L four five one two eight nine