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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: for millennials who want financial freedom. Welcome back to another

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Speaker 4: shot back Money Diary Monday, where we talked to one

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Speaker 4: about beautiful community members to lot about them, their money,

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Speaker 4: their finances, their story and just about everything in between.

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Speaker 2: Victoria Jessica, I've got a good one. Oh kay every week?

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Speaker 2: Oh I suck at these.

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Speaker 5: You know what, we wouldn't have got jobs as what copywriters?

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Speaker 4: No, that's what we have.

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Speaker 2: Georgia King. Yeah, yeah, we've got Georgia King. We'll keep

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Speaker 2: her on.

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Speaker 5: We love you, Georgia. All right, tell me about this diary.

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Speaker 4: So this week's direst says I came to Australia at

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Speaker 4: sixteen and became a single parent at nineteen. I continued

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Speaker 4: on my journey as a single mother now by choice,

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Speaker 4: and I have three kids, yes quick, learning to move

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Speaker 4: more from the scarcity mindset to the abundance mindset, from

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Speaker 4: single parenting payments to full time work. I'm balancing my

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Speaker 4: values with my financial goals and starting the investment journey.

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Speaker 5: Oh hello, welcome to the show. Money Diarist.

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Speaker 6: Thank you.

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Speaker 2: Tell me how old are your babies?

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Speaker 6: I have leven and my little boy is seven months.

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Speaker 2: Oh my god, how excited.

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Speaker 5: It's like you're a new mom all again.

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Speaker 6: I know I've had two girls before, so having a

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Speaker 6: boy is a whole new journey, different to everything I

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Speaker 6: thought I knew.

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Speaker 5: Oh my gosh, how sweet. I want to ask all

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Speaker 5: these questions, but that wouldn't be appropriate because this is

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Speaker 5: like it's meant to be anonymous, and I want to

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Speaker 5: be like, what's his name? How old?

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Speaker 2: Like that's not appropriate, Victoria.

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Speaker 5: So how about we just get into the structured questions

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Speaker 5: Money Diarist can we start by asking you to tell

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Speaker 5: us a little bit about your money story.

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Speaker 6: Yeah. So my money story the way it is that

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Speaker 6: I've always just viewed money as just the two and

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Speaker 6: all I needed was to have just enough to cover

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Speaker 6: all of my needs. And I thought about it and

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Speaker 6: traced it back to one conversation I had with my grandmother.

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Speaker 6: My grandmother raised me because my mom had me when

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Speaker 6: she was a teenager and was sent off to go

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Speaker 6: to school.

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Speaker 2: What a queen.

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Speaker 6: Being the curious child that I was, I asked my

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Speaker 6: grandmother point blank, tell me about your money. How much

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Speaker 6: you and what do you do with your money? And

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Speaker 6: she gave me a very simple budget. It gave me

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Speaker 6: a strict figure and just went I get four hundred.

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Speaker 6: Two hundred goes about hours. One hundred goes to paying

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Speaker 6: for furniture and stuff, and a hundred goes to paying

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Speaker 6: for food and all our transport and stuff. And what

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Speaker 6: that did is that just gave me that basic mindset

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Speaker 6: of I just need to have enough to come up

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Speaker 6: with all my needs. I didn't grow up as a

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Speaker 6: big spender. Even now I'm not a big spender. But

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Speaker 6: the other side of that is I'm not a good

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Speaker 6: saver either that part of the conversation.

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Speaker 2: That's all right.

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Speaker 5: We get what we get and we don't get upset,

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Speaker 5: all right.

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Speaker 4: I love that you can pinpoint that one specific conversation

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Speaker 4: in your childhood and remember that that was like such

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Speaker 4: a pivotal point in your money story and that really

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Speaker 4: shaped your perspective.

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Speaker 5: Now.

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Speaker 4: That's so cool that you remember it with such clarity, And.

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Speaker 2: I also love that you need the numbers. Still.

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Speaker 4: Yeah, it's really good with you.

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Speaker 6: I think about it all the time. I still remember it.

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Speaker 6: I really I need to go back to her and

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Speaker 6: tell her and ask her if she was really real.

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Speaker 6: I'm'm pretty sure it wasn't.

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Speaker 4: Hope she would be blown away that like that one small,

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Speaker 4: offhanded conversation stuck with you for so long.

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Speaker 5: But isn't that it Like, there's so many times that

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Speaker 5: you have offhanded conversations with people that you wouldn't second

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Speaker 5: guests that actually become pivotal in their yaves and in

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Speaker 5: their conversations and now in their money stories. So I

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Speaker 5: think that's a really good reminder to always just be

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Speaker 5: aware of what you're saying to people and just always

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Speaker 5: be kind, because you might just say it offhanded and

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Speaker 5: someone might take it really seriously.

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Speaker 2: Like you did money tyrosts.

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Speaker 5: You were like, well this is gospel now, isn't it

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Speaker 5: all right?

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Speaker 2: Money dires?

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Speaker 5: Next question is what do you do for work and

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Speaker 5: how much money do you earn.

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Speaker 6: I work as a lawyer in the community legal sector

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Speaker 6: and from that I get about eighty eight six hundred.

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Speaker 6: And on the other side, I work as an argent

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Speaker 6: lecture and mentor and I get seventeen hundred a month

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Speaker 6: from that.

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Speaker 5: Oh my gosh, you're hold on. So you were doing

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Speaker 5: all of this and you have three kids and a

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Speaker 5: seven month old?

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Speaker 6: Yeah?

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Speaker 5: Why, super woman, and as a single parent by choice,

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Speaker 5: Like this is a lot. You are a hustle or

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Speaker 5: I have so many questions. Jess is going to bite

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Speaker 5: my head off if I don't move on though. So

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Speaker 5: next question, what is your big money goal?

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Speaker 6: My current big money goal really is just wanting to

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Speaker 6: invest for the kids, buying couple of shares, but also

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Speaker 6: buying properties that they can use as a resource as

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Speaker 6: they grew up.

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Speaker 2: Yeah, so cool.

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Speaker 5: I feel like you have your head screwed on so well.

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Speaker 5: Next question is do you currently have any investments?

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Speaker 6: Yes, the big one being my super Yes, Yes, I

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Speaker 6: started using Rays just recently as well, so that is

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Speaker 6: and been the big things. I think I only have

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Speaker 6: about one hundred and fifty dollars, isn't it.

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Speaker 4: We all got to start somewhere though.

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Speaker 6: Yeah. I've started a self work account for my oldest daughter,

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Speaker 6: so that's sitting at about one thousand.

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Speaker 2: Oh my gosh.

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Speaker 6: The plan is to grow it up to two thousand,

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Speaker 6: and then from then on put about five hundred every

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Speaker 6: month or something like that. And then I also have

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Speaker 6: a Bricks account yeah, for myself, and that's setting at

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Speaker 6: about fifteen hundred. I only just started doing all of these.

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Speaker 4: You're doing so well for someone who's just started. That's awesome.

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Speaker 6: Thank you.

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Speaker 5: So tell me about your decision making to get those accounts,

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Speaker 5: like how did you pick Rays and how did you

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Speaker 5: pick Bricks, Like where did these come from?

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Speaker 6: I was researching about different ways to invest I think

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Speaker 6: it was about two years ago, and that's when I

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Speaker 6: came across bricks and I found it really interesting, the

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Speaker 6: whole investment structure and how it works. I spent a

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Speaker 6: couple of months just thinking about it, researching, and then

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Speaker 6: when I started it, it was just to try and

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Speaker 6: see what it's like. So I put in one thousand

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Speaker 6: dollars in there and then just watched what happens and

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Speaker 6: how it gets visited, how they run the properties, the

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Speaker 6: sort of communication they have with the people who owns

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Speaker 6: the bricks, and I was really impressed with it. So

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Speaker 6: I decided that I'm going to keep it and keep

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Speaker 6: adding small amounts in there.

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Speaker 2: Yeah, very cool.

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Speaker 6: The self worth one again, same thing, just researching different

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Speaker 6: waste invest and I wanted a platform that doesn't require

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Speaker 6: a lot of effort from myself. I don't know anything

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Speaker 6: about shares or what happens. I don't want to be

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Speaker 6: a trader. I just want it somewhere where I can

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Speaker 6: just buy the shares and someone will sort it out.

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Speaker 6: And that was recommended to me by a friend of

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Speaker 6: mine who's an accountant. She just wanted to recommend herself with.

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Speaker 6: And I started using Rais after I listened to the podcast.

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Speaker 2: Oh very seems to be on Raise. We've never even

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Speaker 2: worked with Raise.

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Speaker 5: It just seems to be an underlying product that a

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Speaker 5: lot of people in our community.

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Speaker 2: Use, so therefore we talk about a lot.

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Speaker 5: I love the idea that so many people are just

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Speaker 5: sharing this, and that's where you probably got that information

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Speaker 5: like knowledge sharing is so powerful.

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Speaker 6: It is, it is, And for me, it was an

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Speaker 6: easy switch for me because before I was using the

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Speaker 6: ing roundups and it was rounding them up into savings account.

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Speaker 6: So all I did is just turn that often is

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Speaker 6: thead round it up to the raise account. So I

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Speaker 6: haven't even noticed that.

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Speaker 2: Oh cool.

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Speaker 5: So you were already using something that was rounding up,

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Speaker 5: so you kind of already had the practice of how

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Speaker 5: it feels, and now it's being invested instead of saved.

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Speaker 2: Epic. Yeah, all right.

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Speaker 5: Next question is money, diarist. Do you have any debts?

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Speaker 5: If so, what are they.

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Speaker 6: Yeah, I've got a mortgage. I've got a house some

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Speaker 6: time last year.

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Speaker 5: So you just became a new mum and you bought

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Speaker 5: a house within the same twelve month period.

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Speaker 2: I did, what a queen.

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Speaker 6: It's actually moved when I was like liven months pregnant.

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Speaker 2: Oh my, oh my goodness.

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Speaker 6: That's crazy. And on top of that, I have mountain

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Speaker 6: of hexteat. It's even crazy to think about. And I

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Speaker 6: probably would say the car because that's on anvated lease

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Speaker 6: and as since found out that that's kind of technically alone.

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Speaker 5: Yep, tell me about your hex stet I know you're

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Speaker 5: a lawyer, so it's probably quite high in comparison to

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Speaker 5: a lot of other people's. But how do you feel

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Speaker 5: about your hex stet?

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Speaker 6: Try not to forget it. It's currently sitting at ninety

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Speaker 6: five thousand.

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Speaker 5: Oh my, well, it's just not one hundred thousand. I

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Speaker 5: mean small steps in the right direction, and of all

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Speaker 5: loans to have, that's a pretty good one, especially because

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Speaker 5: it means that you can work as a lawyer, right, true.

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Speaker 6: True, I try to think of it like that. I'll

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Speaker 6: look at it and I'm all upset. I was nine

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Speaker 6: five thousand. I don't try to say I'll pay it

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Speaker 6: off and then I'm like, oh, well, it does allow

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Speaker 6: me to be able to do what I.

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Speaker 4: Do money well spent.

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Speaker 2: It's true, It's true.

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Speaker 5: And Jess, you and I were talking about this the

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Speaker 5: other day because our community gets a little bit confused

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Speaker 5: about hextet and what it means for your property purchasing. Ernie,

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Speaker 5: but you are living proof right now that you can

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Speaker 5: buy a house and also have a very large hex step.

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Speaker 5: Did that ever get in your way when buying a property?

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Speaker 6: It didn't. I actually asked my broker about it because

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Speaker 6: I was really worried about that as well, but she

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Speaker 6: said that it was all good. And I remember during

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Speaker 6: the lone application there wasn't any easy about the fact

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Speaker 6: that I had that that much debt.

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Speaker 5: Winner Winner, all right. Next question is do you use

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Speaker 5: shop back by a chance?

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Speaker 6: I do?

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Speaker 1: Now?

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Speaker 2: Oh you now? Why?

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Speaker 6: Now I'm missed hearing about shopback from the podcast.

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Speaker 4: Oh you're welcome, You're welcome.

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Speaker 2: That's so Jessica Richie special.

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Speaker 6: That's how I get all of the baby stuff.

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Speaker 4: That is really sae because baby stuff is so expensive.

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Speaker 6: I use it for those regular expenses snappers from the

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Speaker 6: baby stuff. All our day is just click and collect.

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Speaker 4: That's really smart. That's such a good point actually, because

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Speaker 4: we all wait, we all buy groceries right every week, so.

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Speaker 2: I forgot that I collect there.

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Speaker 4: Yeah, you can just go in. It also probably would

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Speaker 4: save you a lot of time, because going through the

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Speaker 4: supermarket with three little ones intel is probably a bit

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Speaker 4: of an ordeal, right, yeah, yeah.

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Speaker 6: I don't think I hardly ever go to the shelves

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Speaker 6: with the kids. It'll be it's a nightmare.

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Speaker 4: It's all right now.

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Speaker 2: But I hadn't even thought about that.

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Speaker 5: Using click and collect makes so much sense because then

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Speaker 5: you're saving obviously getting to use shop back and not

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Speaker 5: having to pay for delivery.

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Speaker 2: Yeah, so smart, double money when I love it all.

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Speaker 5: Right, next question money dirist is what is your best

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Speaker 5: money habit?

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Speaker 6: So my best money habit this is a funny one.

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Speaker 6: When I came to Australia, my mom taught me about

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Speaker 6: used to love talking to me about I need to

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Speaker 6: change my mindset about using money to you know, find

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Speaker 6: joy in life because I already had this mindset set

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Speaker 6: that I just used my money for the things that

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Speaker 6: I need. I found a way to find something to

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Speaker 6: fund my luxuries and what I've been doing since back then,

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Speaker 6: since I was like eighteen and in UNI using mysty shopping.

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Speaker 6: There's a way to fund all of my legsuries.

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Speaker 4: That's clever. So your luxuries is like a whole separate thing.

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Speaker 6: Yeah, so my lexury funds is like a whole separate thing.

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Speaker 6: And it's started off at UNI with just small stuff

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Speaker 6: like takeaway stuff, restaurants, clubbing and all of that. And

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Speaker 6: then as I got more experience in doing mystory shopping,

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Speaker 6: it was I was actually able to you know, move

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Speaker 6: on to working with more high end stuff like hotels.

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Speaker 2: Flights, Oh my god, like that, Oh my god, what Yeah?

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Speaker 6: And I also used to do focused groups, so whenever

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Speaker 6: I needed a couple of hundred bucks, it's just two

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Speaker 6: or three focused groups. Three hundred dollars, got what you need.

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Speaker 2: That's brilliant. I love that.

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Speaker 4: I love that you've kind of allocated a whole separate

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Speaker 4: stream of income to luxuries, kind of like, oh, if

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Speaker 4: you want something fun, you're gonna have to find a

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Speaker 4: way to earn the money for it.

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Speaker 5: Also, this is so niche, but I have looked up

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Speaker 5: mystery shopping before when doing some research on side hustle episodes,

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Speaker 5: and I've never actually found how you could like mystery

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Speaker 5: shop flights or accommodation, Like you must have worked your

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Speaker 5: way up to that very well.

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Speaker 6: You actually do have to, because I remember when I

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Speaker 6: first that and I was like, oh, I want to

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Speaker 6: do the flights and then stuff. Now I just discovered

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Speaker 6: you have to work your way up. You get to

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Speaker 6: get into the position where they know you and they

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Speaker 6: trust it. And it's usually those smaller mystery shop companies

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Speaker 6: that do you know, fast food outlets. They will then

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Speaker 6: recommend you to the people who handle the more high

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Speaker 6: end stuff.

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Speaker 4: Brilliant all right.

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Speaker 5: The flip side of that, my friend, is what is

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Speaker 5: your worst money habit?

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Speaker 2: I don't know if you're going to have any?

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Speaker 6: Oh I do?

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Speaker 2: Oh you do.

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Speaker 6: I'm an emotional spender, and I also have no limit

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Speaker 6: when it comes to spending on other people that I love.

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Speaker 6: I would just instantly spend two hundred dollars on my

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Speaker 6: kids or my sisters without even thinking twice. I need

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Speaker 6: to get a hold of myself.

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Speaker 2: There, you do not.

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Speaker 5: You just need to make sure it's in line with

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Speaker 5: your budget and that what we are doing is you know,

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Speaker 5: allocated for And if you know that about yourself, I

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Speaker 5: think that that's not a bad thing at all. Next question,

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Speaker 5: my friend, is also the last question of this segment.

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Speaker 5: What grade would you give your money habits? If we

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Speaker 5: forced you to give yourself a grade?

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Speaker 6: I think i'd give myself an A.

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Speaker 5: I think i'd give you an A too. I'd say

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Speaker 5: an A plus, like you're doing all of the right

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Speaker 5: things right, But why would you pick an A?

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Speaker 6: I wouldn't say an A plus because I think I

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Speaker 6: need to be a little bit more. I don't know,

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Speaker 6: well focused for disciplined. I could probably do more with

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Speaker 6: my money than what I'm doing. I think that's what

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Speaker 6: I think in terms of my spending budget, well that

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Speaker 6: I've got all that covered, but I just feel like

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Speaker 6: I could do more with my money.

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Speaker 4: It sounds like you're stepping in the right direction. I'm

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Speaker 4: thinking about your future and your kid's future with investing

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Speaker 4: and all those sorts of things, which I can't wait

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Speaker 4: to ask you more about right after we come back

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Speaker 4: from this break. Alrighty, we're back money diarists, and I

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Speaker 4: want to start off by asking you about something you

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Speaker 4: said just before we went to that break, which was

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Speaker 4: that you're an emotional spender, which I think a lot

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Speaker 4: of people will be able to relate to. And I

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Speaker 4: wanted to ask how do you kind of manage that?

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Speaker 4: Because it sounds like you've got your budget fairly well

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Speaker 4: in hand. But when you're someone who has a tendency

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Speaker 4: to pull the trigger on things when you're feeling a

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Speaker 4: little sad or extra happy, you know it can be

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Speaker 4: hard to fight those impulses. So what do you have

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Speaker 4: in place to kind of stop yourself from going so crazy?

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Speaker 6: Yeah? I think my emotional spending is usually just in

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Speaker 6: the idea of wanting to treat myself to a little something,

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Speaker 6: and I try to manage how much money I have

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Speaker 6: access to for status. The way of set up my

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Speaker 6: bank accounts is that I don't really have access to

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Speaker 6: a lot of money and I've never had credit cards

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Speaker 6: or basically having access to money that it's not mine.

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Speaker 4: And is that because you are impulsive with your money?

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Speaker 6: Yeah, just to avoid any of those issues, I just

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Speaker 6: don't allow myself access to money that I don't have.

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Speaker 6: Or if I'm saving for a girl, I wouldn't allow

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Speaker 6: myself access to that so that I don't dip into it.

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Speaker 4: Yeah, that's so smart. That's really clever knowing I guess

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Speaker 4: what your bad habits are and then making choices like

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Speaker 4: that to avoid putting yourself in a position where you're

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Speaker 4: spending money that you don't have. Is, I think, really

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Speaker 4: really clever money.

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Speaker 5: Diarist, you spoke about your mum having you as a

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Speaker 5: teenager and being brought.

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Speaker 2: Up by your grandmother.

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Speaker 5: Can you tell us a little bit more about that journey, Like,

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Speaker 5: obviously that's a significant ask on any grandparent, but it's

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Speaker 5: actually relatively common. How do you think she managed that?

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Speaker 5: How do you think she managed to still put food

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Speaker 5: on the table and send you to school and look

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Speaker 5: after you in the way that she did while also

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Speaker 5: having already been a parent before.

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Speaker 6: Yeah, it was a huge thing, and it was actually

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Speaker 6: her idea. I think back in my home country, what

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Speaker 6: would have I usually have ben would be if my

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Speaker 6: once mom gets pregnant and has me, that's it, that's

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Speaker 6: the end of it. She has to stay home and

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Speaker 6: be a mom and figure out life from day. But

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Speaker 6: what I found out is that my grandmother was very

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Speaker 6: admant that she's not going to do that to her.

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Speaker 6: So as soon as I was birthed and nursed enough,

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Speaker 6: she sent her off to school. And she felt really

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Speaker 6: hard to get her into school. It wasn't easy, and

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Speaker 6: she just wanted her to focus on her education. And

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Speaker 6: I just grew up as kind of like her last

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Speaker 6: born child.

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Speaker 2: Oh that's so sweet.

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Speaker 4: I love that your grandma's a boss, like stick it

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Speaker 4: to the system and yeah, like being like, no, I

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Speaker 4: wanted to have an education, screw the traditional gender roles.

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Speaker 4: I'm all about that.

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Speaker 2: Personally.

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Speaker 5: Tell me about your mom. What did she She went

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Speaker 5: to school and then did she go on to work?

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Speaker 2: Like where is she now? What's she up to?

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Speaker 6: Yeah, she went to school, she studied in university and

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Speaker 6: then she came to Australia to study as a physiotherapist.

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Speaker 6: It was when she finished university and she started working.

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Speaker 6: That's when my grandmother was like, Okay, I've done my job.

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Speaker 6: You're working.

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Speaker 4: Take your child back, take your child back.

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Speaker 2: I have done my services here. That's freely.

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Speaker 6: Yeah, it was very funny they did it. But she's

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Speaker 6: still here in Australias.

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Speaker 2: She lives here amazing.

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Speaker 4: And you said that you were a single parent at nineteen,

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Speaker 4: did your mom or your grandma then kind of pitching

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Speaker 4: to help you because you then obviously would have gone

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Speaker 4: off to university as well.

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Speaker 6: Oh no, it was the complete opposite. When I became fragrant,

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Speaker 6: but I was like, okay, well guess what, we're in

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Speaker 6: a new country, with better help and resources. You're going

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Speaker 6: to make sure that they I think she did have

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Speaker 6: a bit of guilt about not raising me as a child,

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Speaker 6: so she just always encouraged me to you can go

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Speaker 6: and do what you need to do. You can study it.

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Speaker 6: I'm happy to babysit, but you're going to be a

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Speaker 6: part of this child's life every single day. Yeah, And

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Speaker 6: that's just what I had to happen in a she

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Speaker 6: was born. I was there every day and she pushed

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Speaker 6: me figure out what it is that you want to do.

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Speaker 6: Go to university. I changed courses like three times, but

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Speaker 6: eventually found what I wanted to do.

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Speaker 4: A lot of people do.

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Speaker 6: Yeah. Yeah, she's supportive, but she also really encourages me,

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Speaker 6: and it's really important for her that I'm just there

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Speaker 6: for the kids all the time, and these days she's

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Speaker 6: just the school holiday grandma every school holiday. Neighborhood too.

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Speaker 4: Follow that. That's awesome when you say you changed courses

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Speaker 4: three times. So did you go to university straight out

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Speaker 4: of high school at eighteen nineteen when you had your

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Speaker 4: child or was it a little bit later once you've

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Speaker 4: kind of found that balance of being a full time mom.

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Speaker 6: Both. I started my course before I got pregnant, and

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Speaker 6: I had tried to do a communication cause because I

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Speaker 6: loved event management, but I found the court really boring.

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Speaker 2: So I left get out of that.

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Speaker 6: And that's when I got pregnant. Yeah, and while I

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Speaker 6: was pregnant, I tried to do a finance cause and

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Speaker 6: that didn't work out because I didn't enjoy much. Then

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Speaker 6: I tried to do an economics cause because if I

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Speaker 6: loved economics in high school, and I think it was

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Speaker 6: just probably the combination of being pregnant and also it

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Speaker 6: being a refresh of what I did in high school.

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Speaker 6: I didn't find that enjoyable at all. I actually ended

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Speaker 6: up starting my legal courses in my law degree when

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Speaker 6: she was about six months.

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Speaker 4: Wow, that is a no small undertaking. Like to be

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Speaker 4: perfectly frank, I couldn't study law right now with no kids,

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Speaker 4: and you knowsility, let alone with a six month old

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Speaker 4: baby in terms as well.

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Speaker 6: I know.

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Speaker 5: I actually have another question for you. In your monetary submission,

447
00:20:49,119 --> 00:20:51,760
Speaker 5: you said you were a single mum by choice. What

448
00:20:51,800 --> 00:20:54,119
Speaker 5: does that mean and how does that work day to

449
00:20:54,200 --> 00:20:57,560
Speaker 5: day when you're clearly such an accomplished professional woman as well.

450
00:20:57,880 --> 00:21:00,439
Speaker 6: Yeah, So, like I said, I started my law degree

451
00:21:00,480 --> 00:21:03,960
Speaker 6: when my oldest daughter was six months and she was

452
00:21:04,040 --> 00:21:07,840
Speaker 6: my law degree child. Towards the end of the degree,

453
00:21:07,880 --> 00:21:10,399
Speaker 6: I just remember thinking and when I finish this degree

454
00:21:10,400 --> 00:21:13,040
Speaker 6: and get into the workforce and actually give it my all.

455
00:21:13,640 --> 00:21:15,919
Speaker 6: But I also didn't want her to be a longer child,

456
00:21:16,240 --> 00:21:18,200
Speaker 6: and I didn't want her to have such a big

457
00:21:18,240 --> 00:21:21,160
Speaker 6: age gap with her sibly, because I have a really

458
00:21:21,240 --> 00:21:25,679
Speaker 6: huge age gap my brother who follows me was like

459
00:21:25,800 --> 00:21:28,880
Speaker 6: sixteen years younger than me. Wow, So I've just made

460
00:21:28,880 --> 00:21:32,240
Speaker 6: the decision. And that in between me finishing union, because

461
00:21:32,240 --> 00:21:34,280
Speaker 6: when you're a lawyer, you have to do your degree

462
00:21:34,280 --> 00:21:37,639
Speaker 6: and then you do this six months graduate diploma in

463
00:21:37,720 --> 00:21:40,159
Speaker 6: order for you to be practicing. So in between me

464
00:21:40,200 --> 00:21:43,560
Speaker 6: finishing my degree and me being able to actually start working,

465
00:21:43,920 --> 00:21:47,200
Speaker 6: I decided to have my second child around then, So

466
00:21:47,320 --> 00:21:51,399
Speaker 6: I started then working full time when she was about

467
00:21:51,440 --> 00:21:55,400
Speaker 6: six seven months. And then when I decided I wanted

468
00:21:55,440 --> 00:21:57,199
Speaker 6: to have a third child, I decided to do the

469
00:21:57,240 --> 00:21:59,320
Speaker 6: same age gap that they have, so they have a

470
00:21:59,800 --> 00:22:02,360
Speaker 6: five and a half six year age gap. So wait,

471
00:22:02,359 --> 00:22:04,399
Speaker 6: didn't until she was five and a half and six

472
00:22:04,680 --> 00:22:07,200
Speaker 6: to have my sign and that's gonna be my Oh.

473
00:22:07,080 --> 00:22:09,439
Speaker 5: No, baby, Oh my gosh, that is so exciting. So

474
00:22:09,520 --> 00:22:11,560
Speaker 5: you're a single mum by choice. Does that mean you

475
00:22:11,640 --> 00:22:14,879
Speaker 5: had to go through like an expensive IVF process or

476
00:22:14,920 --> 00:22:16,320
Speaker 5: what did that look like for you?

477
00:22:16,600 --> 00:22:18,680
Speaker 6: I was lucky that I didn't have to do IVF,

478
00:22:18,720 --> 00:22:21,639
Speaker 6: but I did have to do aud I yep, is

479
00:22:21,680 --> 00:22:24,600
Speaker 6: it au d or au? I? Are you right? So

480
00:22:25,000 --> 00:22:28,359
Speaker 6: just finding a sperm donor sperms and then just do

481
00:22:28,560 --> 00:22:29,639
Speaker 6: artificial insemination.

482
00:22:29,960 --> 00:22:32,800
Speaker 5: Yeah, and it went all smooth sailing and now you

483
00:22:32,920 --> 00:22:35,800
Speaker 5: have a very beautiful seven month old baby boy.

484
00:22:36,320 --> 00:22:39,280
Speaker 6: Yeah. Even with my daughter was the same, all easy,

485
00:22:40,560 --> 00:22:45,760
Speaker 6: first try, got pregnant. I'm a very fatile person apparently, do.

486
00:22:45,760 --> 00:22:46,080
Speaker 4: You know what?

487
00:22:46,240 --> 00:22:49,320
Speaker 5: That's really nice because that process can be pretty grueling

488
00:22:49,560 --> 00:22:51,880
Speaker 5: to only have to go through at once and when bam,

489
00:22:51,920 --> 00:22:53,160
Speaker 5: thank you ma'am, I am pregnant.

490
00:22:53,640 --> 00:22:56,040
Speaker 2: I think that's what a lot of people wish had happened.

491
00:22:56,680 --> 00:22:59,160
Speaker 6: Yeah. I was concerned that I might have to try

492
00:22:59,280 --> 00:23:01,560
Speaker 6: a few times and it'll end up costing a lot

493
00:23:01,600 --> 00:23:04,639
Speaker 6: of money, but both of them, just one try.

494
00:23:04,840 --> 00:23:07,000
Speaker 4: If you don't mind me asking how much does it

495
00:23:07,040 --> 00:23:08,320
Speaker 4: cost to do something like that.

496
00:23:08,400 --> 00:23:11,160
Speaker 2: I've never really looked into what do you actually look but.

497
00:23:11,119 --> 00:23:14,080
Speaker 4: In my mind I just always assume it's really expensive.

498
00:23:14,280 --> 00:23:14,639
Speaker 2: Yeah.

499
00:23:14,800 --> 00:23:19,359
Speaker 6: Yeah, So with the artificial insamination process, it's actually not

500
00:23:19,440 --> 00:23:22,840
Speaker 6: as expensive as the IVF. With my first DOT, I

501
00:23:22,880 --> 00:23:25,960
Speaker 6: think I spent about two five hundred and that was

502
00:23:26,080 --> 00:23:29,320
Speaker 6: just to do the basic test that they do to

503
00:23:29,520 --> 00:23:32,640
Speaker 6: check your eggs and your tubes, make sure that everything

504
00:23:32,720 --> 00:23:36,360
Speaker 6: is not blogged, everything's going well, and then to purchase

505
00:23:36,560 --> 00:23:41,359
Speaker 6: the sperms and then to pay the doctors to do theirination.

506
00:23:42,280 --> 00:23:46,119
Speaker 6: And then when I did it the second time, it

507
00:23:46,280 --> 00:23:49,480
Speaker 6: was just a little bit more expensive, not too much.

508
00:23:49,920 --> 00:23:53,200
Speaker 6: I did choose to skip the test that they did

509
00:23:53,320 --> 00:23:54,880
Speaker 6: at the beginning because.

510
00:23:54,680 --> 00:23:58,560
Speaker 5: I knew the answers already bicycles.

511
00:23:57,880 --> 00:24:02,840
Speaker 6: And everything, so forget our could pinpoint when would be

512
00:24:02,920 --> 00:24:06,440
Speaker 6: the right time to do it. And that costs around

513
00:24:06,600 --> 00:24:08,359
Speaker 6: three close to three grand.

514
00:24:08,720 --> 00:24:10,600
Speaker 5: Hey, that's not nearly as bad as what I mean,

515
00:24:10,640 --> 00:24:13,480
Speaker 5: it's still a very significant outlay. But here I am

516
00:24:13,600 --> 00:24:16,400
Speaker 5: thinking it would be very similar to an IVF process,

517
00:24:16,440 --> 00:24:19,480
Speaker 5: which in Australia is around ten thousand dollars around, So

518
00:24:19,600 --> 00:24:23,479
Speaker 5: that's I mean, arguably a much lower entry point, but

519
00:24:23,600 --> 00:24:25,760
Speaker 5: still a pretty significant investment.

520
00:24:25,960 --> 00:24:29,000
Speaker 6: Yeah, definitely, it just helps when you do it one try.

521
00:24:29,560 --> 00:24:32,600
Speaker 6: It's just sometimes it gets really expensive because people have

522
00:24:32,680 --> 00:24:34,359
Speaker 6: to go back a cup and every time you go

523
00:24:34,440 --> 00:24:36,240
Speaker 6: back that's another three grand on top.

524
00:24:36,440 --> 00:24:37,200
Speaker 2: Oh my gosh.

525
00:24:37,240 --> 00:24:39,280
Speaker 4: So special for your kids as well, that they get

526
00:24:39,320 --> 00:24:41,879
Speaker 4: to grow up knowing that you made that choice, like

527
00:24:41,920 --> 00:24:43,840
Speaker 4: you really really wanted them, and you made the choice

528
00:24:43,840 --> 00:24:46,359
Speaker 4: that was right for you, and you're an independent, single

529
00:24:46,400 --> 00:24:48,800
Speaker 4: woman doing it for herself. You love to see it.

530
00:24:48,960 --> 00:24:51,480
Speaker 5: I absolutely I'm obsessed with you. I love this. I

531
00:24:51,520 --> 00:24:54,359
Speaker 5: love that you're just like no, like my grandma raised me, Like,

532
00:24:54,640 --> 00:24:57,879
Speaker 5: there's so many things about your money story that you

533
00:24:57,880 --> 00:25:00,239
Speaker 5: could have just I guess settled on it the way

534
00:25:00,280 --> 00:25:01,879
Speaker 5: you could be like, well, that's just the way it is,

535
00:25:01,920 --> 00:25:03,800
Speaker 5: Like I don't need to go to university or don't

536
00:25:03,800 --> 00:25:05,720
Speaker 5: need to do this, but everybody that around you just

537
00:25:05,760 --> 00:25:08,000
Speaker 5: like lifted you up and put you in you know,

538
00:25:08,160 --> 00:25:11,320
Speaker 5: in good spirits. But also you've just been Yeah, as

539
00:25:11,320 --> 00:25:13,119
Speaker 5: I said at the start, I feel like you're super

540
00:25:13,160 --> 00:25:16,000
Speaker 5: tenacious and that's just showing I'm sure your kids are

541
00:25:16,000 --> 00:25:18,520
Speaker 5: absolutely delightful as well, if there're anything like.

542
00:25:18,520 --> 00:25:24,520
Speaker 6: You are, are they? It's scary because because they're a

543
00:25:24,520 --> 00:25:27,920
Speaker 6: little bit like mini versions of myself, So that scares me.

544
00:25:28,840 --> 00:25:31,200
Speaker 5: Yeah, that's that's the thing that really scares me about

545
00:25:31,200 --> 00:25:33,800
Speaker 5: potentially having kids. One day, I'm like, oh, do you

546
00:25:33,840 --> 00:25:36,479
Speaker 5: know what, I would love small versions of my partner,

547
00:25:36,480 --> 00:25:38,840
Speaker 5: but small versions of me. No, thank you, Like I

548
00:25:38,880 --> 00:25:42,160
Speaker 5: can't think of anything worse. It's probably a good place

549
00:25:42,200 --> 00:25:45,360
Speaker 5: to leave it before Steve gets involved in this money diaries.

550
00:25:45,480 --> 00:25:48,960
Speaker 5: But thank you so much for spending so much time

551
00:25:49,000 --> 00:25:51,440
Speaker 5: with us. Oh my gosh, this money diary has been

552
00:25:51,720 --> 00:25:54,720
Speaker 5: an absolute eye opener. Jess, do you want to wrap

553
00:25:54,760 --> 00:25:56,040
Speaker 5: the boring but important stuff?

554
00:25:56,080 --> 00:25:58,840
Speaker 4: Absolutely so, don't forget guys. The advice shed on Cheese

555
00:25:58,880 --> 00:26:01,320
Speaker 4: on the money is generally and does not consider your

556
00:26:01,320 --> 00:26:05,440
Speaker 4: individual circumstances. She's on the Money exists purely for educational

557
00:26:05,480 --> 00:26:07,520
Speaker 4: purposes and should not be relied upon to make an

558
00:26:07,520 --> 00:26:11,040
Speaker 4: investment or a financial decision. And we promise Victoria divine

559
00:26:11,080 --> 00:26:13,640
Speaker 4: and She's on the Money are authorized representatives of Ink

560
00:26:13,680 --> 00:26:17,800
Speaker 4: Focused Securities Australia Proprietary Limited ABN four seven oh nine

561
00:26:17,880 --> 00:26:21,120
Speaker 4: seven seven ninety seven oh forty NINEFSL two three six

562
00:26:21,240 --> 00:26:21,880
Speaker 4: five two three.

563
00:26:22,000 --> 00:26:23,320
Speaker 2: See you on Wednesday, guys.

564
00:26:23,400 --> 00:26:24,920
Speaker 4: Bye,