1
00:00:00,200 --> 00:00:02,960
Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

2
00:00:03,000 --> 00:00:07,280
Speaker 1: woman and I'm here to acknowledge country t Glenn Young

3
00:00:07,320 --> 00:00:11,400
Speaker 1: Ganya Niana, Kaka yah Ya bin Ahaka nian Ar gay

4
00:00:11,440 --> 00:00:17,120
Speaker 1: In Mbina yakarum jar dominyamiga Umagahawakawaman damon imlan Bumba bang

5
00:00:17,160 --> 00:00:22,439
Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,

6
00:00:22,480 --> 00:00:25,920
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

7
00:00:26,360 --> 00:00:29,080
Speaker 1: We thank acknowledge and respect the Aberiginal people's land that

8
00:00:29,120 --> 00:00:31,880
Speaker 1: we're gathering on today. Take pleasure in all the land

9
00:00:32,080 --> 00:00:35,320
Speaker 1: and respect all that you see. She's on the Money

10
00:00:35,360 --> 00:00:41,960
Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

11
00:00:42,400 --> 00:00:44,560
Speaker 1: knowledge and resources for you to thrive.

12
00:00:45,080 --> 00:00:47,840
Speaker 2: She's on the Money. She's on the Money.

13
00:01:08,080 --> 00:01:11,119
Speaker 3: Hello, and welcome to She's on the Money, the podcast

14
00:01:11,200 --> 00:01:14,760
Speaker 3: that lets you be pervy about other people's money situations.

15
00:01:14,480 --> 00:01:18,119
Speaker 4: For educational purposes of course. Welcome back to another one

16
00:01:18,200 --> 00:01:19,040
Speaker 4: of our Money.

17
00:01:18,880 --> 00:01:21,880
Speaker 3: Daries episodes where I get the absolute pleasure of sitting

18
00:01:21,920 --> 00:01:24,200
Speaker 3: down and having a chat with one of our beautiful

19
00:01:24,319 --> 00:01:27,880
Speaker 3: community members all about their journey. Let's jump straight into it,

20
00:01:28,040 --> 00:01:30,360
Speaker 3: because we got a message this week and it sounded

21
00:01:30,520 --> 00:01:34,920
Speaker 3: exactly like this, dear, she's on the money. I went

22
00:01:35,040 --> 00:01:37,280
Speaker 3: from being a small town country kid where there were

23
00:01:37,400 --> 00:01:40,560
Speaker 3: only eight people in my year in primary school to

24
00:01:40,680 --> 00:01:43,440
Speaker 3: being a big tael lawyer who is finding her feet

25
00:01:43,600 --> 00:01:48,279
Speaker 3: financially after applying for two hundred jobs to get.

26
00:01:48,160 --> 00:01:49,160
Speaker 4: My first law job.

27
00:01:49,720 --> 00:01:52,680
Speaker 3: I have savings and investments for the first time, and

28
00:01:52,800 --> 00:01:55,960
Speaker 3: I no longer spend every single cent on random items,

29
00:01:56,000 --> 00:01:59,160
Speaker 3: and of course I have big career goals too. My

30
00:01:59,280 --> 00:02:01,720
Speaker 3: money story is and I would love to share it

31
00:02:01,800 --> 00:02:05,520
Speaker 3: with the community. Money Diarist, Welcome to the show.

32
00:02:05,840 --> 00:02:06,760
Speaker 2: Thank you for having me.

33
00:02:07,080 --> 00:02:09,440
Speaker 3: I'm very excited. People aren't going to know this, but

34
00:02:10,080 --> 00:02:12,160
Speaker 3: I saw your name out producer book to you because

35
00:02:12,200 --> 00:02:13,880
Speaker 3: you obviously had a great story. And then I saw

36
00:02:13,919 --> 00:02:16,079
Speaker 3: your name and I'm like, hey, we're internet friends, like

37
00:02:16,160 --> 00:02:18,040
Speaker 3: we talk in my DMS all the time, and I

38
00:02:18,160 --> 00:02:21,120
Speaker 3: was like kind of low key excited because you've messaged

39
00:02:21,200 --> 00:02:23,600
Speaker 3: me along this career journey of yours.

40
00:02:23,320 --> 00:02:24,959
Speaker 4: Being like, Hey, what should I do here or what

41
00:02:25,040 --> 00:02:25,799
Speaker 4: does this look like?

42
00:02:25,919 --> 00:02:28,600
Speaker 3: And I think we've bonded over it, so I'm excited

43
00:02:28,680 --> 00:02:30,920
Speaker 3: that you've come out of my dms and now you're

44
00:02:30,960 --> 00:02:32,800
Speaker 3: on my show, Like this is so exciting.

45
00:02:33,160 --> 00:02:36,760
Speaker 2: The way I squealed when immering me, I was like,

46
00:02:37,440 --> 00:02:42,079
Speaker 2: no way. And then I've told literally everyone.

47
00:02:42,280 --> 00:02:43,560
Speaker 4: It's a good story.

48
00:02:44,600 --> 00:02:46,920
Speaker 3: And it's one of those things where like I'm obviously

49
00:02:47,000 --> 00:02:49,280
Speaker 3: quite active on socials, but I'm also very active in

50
00:02:49,360 --> 00:02:51,919
Speaker 3: my dms, Like I love having a yap with my community,

51
00:02:52,040 --> 00:02:54,840
Speaker 3: Like it's not you know, I just post random stories

52
00:02:54,880 --> 00:02:56,960
Speaker 3: and then don't reply to you, like if you ask

53
00:02:57,040 --> 00:02:58,840
Speaker 3: me a career question, I'm like, all right, sit down, babe.

54
00:02:58,880 --> 00:03:01,799
Speaker 3: So my thoughts are I have been known to send

55
00:03:02,200 --> 00:03:06,359
Speaker 3: voice notes, I send like attachments, I'll find links on

56
00:03:06,440 --> 00:03:08,680
Speaker 3: the internet for you, Like I just think we're besties

57
00:03:08,720 --> 00:03:11,800
Speaker 3: that haven't met yet, and so I think we became

58
00:03:12,040 --> 00:03:14,200
Speaker 3: like that, and you would ask me all these career questions,

59
00:03:14,280 --> 00:03:17,160
Speaker 3: and I remember always saying, like, girl, this is so common.

60
00:03:17,240 --> 00:03:18,160
Speaker 4: Stop stressing.

61
00:03:18,800 --> 00:03:20,720
Speaker 3: And so now I'm glad that we're talking about this

62
00:03:20,840 --> 00:03:24,840
Speaker 3: on the podcast because I'm hoping that those dms become

63
00:03:24,880 --> 00:03:28,600
Speaker 3: an episode that help other people feel confident going through this,

64
00:03:28,720 --> 00:03:31,880
Speaker 3: because it can be heartbreaking to be like I applied

65
00:03:31,880 --> 00:03:34,239
Speaker 3: for two hundred jobs like so many people would have

66
00:03:34,240 --> 00:03:35,000
Speaker 3: given up before then.

67
00:03:35,120 --> 00:03:39,400
Speaker 2: Right, Yeah, I am definitely known for my grit end

68
00:03:39,520 --> 00:03:43,720
Speaker 2: my never giving up. But if I could just even

69
00:03:43,800 --> 00:03:48,040
Speaker 2: help one baby, lawere, just know that it's so common,

70
00:03:48,520 --> 00:03:49,360
Speaker 2: you will. I love it.

71
00:03:49,640 --> 00:03:51,960
Speaker 3: So our friend from across the Ditch is on the

72
00:03:52,000 --> 00:03:54,280
Speaker 3: show now to give us a lot of confidence. But

73
00:03:54,360 --> 00:03:56,760
Speaker 3: before we get there, and before I dive further into

74
00:03:56,840 --> 00:03:59,400
Speaker 3: your story, my Nita Aust, I need to know what

75
00:03:59,600 --> 00:04:02,200
Speaker 3: grade'd you grade your habits from A three to F

76
00:04:02,280 --> 00:04:04,080
Speaker 3: If I forced you to give them a grade.

77
00:04:04,120 --> 00:04:07,080
Speaker 2: I would give myself either an A minus or a

78
00:04:07,200 --> 00:04:10,640
Speaker 2: B plus. Considering where I've come from, I'm definitely reckon.

79
00:04:10,680 --> 00:04:13,280
Speaker 2: I'd be about an ANS B plus good of range.

80
00:04:13,800 --> 00:04:16,960
Speaker 3: I'm very excited to learn more about this. I know

81
00:04:17,120 --> 00:04:19,720
Speaker 3: a little bit about you, but now's your time to shine.

82
00:04:19,960 --> 00:04:22,480
Speaker 4: Tell me. Tell me a little bit more about your

83
00:04:22,520 --> 00:04:23,200
Speaker 4: money story.

84
00:04:23,720 --> 00:04:26,960
Speaker 2: So I grew up in a very small town North

85
00:04:27,360 --> 00:04:30,000
Speaker 2: y Keatto, much like what my money story. See if

86
00:04:30,000 --> 00:04:33,479
Speaker 2: here was eight of us in my class. So when

87
00:04:33,600 --> 00:04:38,080
Speaker 2: I started having big city dreams, it was you're not

88
00:04:38,160 --> 00:04:41,520
Speaker 2: good enough, you won't make it. Tall poppy syndrome was

89
00:04:41,920 --> 00:04:45,000
Speaker 2: rife that kind of thing, and I grew up in

90
00:04:45,120 --> 00:04:50,120
Speaker 2: a i'd say probably middle class sort of household. We

91
00:04:50,279 --> 00:04:55,239
Speaker 2: weren't riding the poverty line, but we also weren't going

92
00:04:55,400 --> 00:05:00,240
Speaker 2: on yearly holidays. We weren't splurging on big items and

93
00:05:00,320 --> 00:05:03,680
Speaker 2: that kind of thing. Money was never really talked about either,

94
00:05:03,960 --> 00:05:09,640
Speaker 2: So I would pick up on signals from my parents,

95
00:05:10,480 --> 00:05:15,200
Speaker 2: and I knew that money was tight, but it wasn't

96
00:05:15,760 --> 00:05:22,880
Speaker 2: talked about still. And then I moved from the Northway

97
00:05:22,960 --> 00:05:25,360
Speaker 2: Heado to chrish It with five hundred dollars to my

98
00:05:25,520 --> 00:05:29,960
Speaker 2: name and a dream of somehow I'm going to make it.

99
00:05:30,080 --> 00:05:32,680
Speaker 2: I don't know how, I don't know when, but I will.

100
00:05:33,680 --> 00:05:38,960
Speaker 2: I started a Bachelor of Law after working out that

101
00:05:39,080 --> 00:05:42,360
Speaker 2: law is a lot easier than forensic science. Oh yeah.

102
00:05:44,040 --> 00:05:47,800
Speaker 2: I was doing chemistry papers and not doing very good.

103
00:05:47,880 --> 00:05:51,280
Speaker 2: But my law papers I just found so much easier.

104
00:05:51,839 --> 00:05:53,760
Speaker 2: I don't know how that makes sense, but it does

105
00:05:53,839 --> 00:05:54,040
Speaker 2: for me.

106
00:05:54,200 --> 00:05:55,960
Speaker 3: What do you mean it doesn't like that makes a

107
00:05:56,040 --> 00:05:58,120
Speaker 3: lot of sense, Like you just have an area that

108
00:05:58,160 --> 00:06:01,320
Speaker 3: you flourish here. Yeah, it's like some people they're like, girl,

109
00:06:01,480 --> 00:06:04,160
Speaker 3: I couldn't do financial management, what the hell? But I'm

110
00:06:04,240 --> 00:06:07,400
Speaker 3: actually really good at marketing and economics, like we all

111
00:06:07,560 --> 00:06:10,440
Speaker 3: just have something that somehow just makes sense to the

112
00:06:10,520 --> 00:06:12,159
Speaker 3: way that our brain is wired.

113
00:06:12,520 --> 00:06:15,640
Speaker 2: Had just clicked and off I went. In the end.

114
00:06:16,400 --> 00:06:20,760
Speaker 2: During my four years at Yoni, I dealt with my

115
00:06:20,920 --> 00:06:25,479
Speaker 2: dad being terminally ill. As you know, he's from our Deans.

116
00:06:25,960 --> 00:06:29,120
Speaker 2: He's going down hellative care end of life at the moment,

117
00:06:29,160 --> 00:06:32,840
Speaker 2: which is really sad and hard, but unfortunately it is

118
00:06:32,880 --> 00:06:36,320
Speaker 2: the way of life. My ex fiance was in a

119
00:06:36,400 --> 00:06:39,720
Speaker 2: motorcycle accident and almost died, and I set exams on

120
00:06:39,800 --> 00:06:40,680
Speaker 2: the hospital.

121
00:06:40,360 --> 00:06:43,320
Speaker 3: For you literally cannot say that you're not committed to

122
00:06:43,400 --> 00:06:46,160
Speaker 3: your studies or your career, like no knowing you in

123
00:06:46,240 --> 00:06:50,960
Speaker 3: the background, like this woman, holy gockamole, Like she's told

124
00:06:51,000 --> 00:06:52,800
Speaker 3: me so much about it, which I'm so grateful for,

125
00:06:52,960 --> 00:06:55,960
Speaker 3: but I'm just like, sorry, what do you know what

126
00:06:56,000 --> 00:06:57,960
Speaker 3: I would have been doing trying to get an exemption,

127
00:06:58,520 --> 00:07:01,000
Speaker 3: like trying to get out of it, like not doing it.

128
00:07:01,040 --> 00:07:02,760
Speaker 3: And you're like, oh no, Like I could do it

129
00:07:02,839 --> 00:07:06,000
Speaker 3: on the hospital floor, that's fine. I was like, is

130
00:07:06,120 --> 00:07:06,880
Speaker 3: that even an option?

131
00:07:07,760 --> 00:07:11,240
Speaker 2: You just your make though, And I attribute the way

132
00:07:11,280 --> 00:07:14,600
Speaker 2: I am to my mother. When I was in high school,

133
00:07:14,840 --> 00:07:19,960
Speaker 2: my dad had a workplace accident and slipped into depression,

134
00:07:20,160 --> 00:07:23,840
Speaker 2: in a very very bad depression. So my mum became

135
00:07:24,120 --> 00:07:28,080
Speaker 2: a single mum. Well dad was there, but she took

136
00:07:28,120 --> 00:07:30,960
Speaker 2: over the reins of e briefing and I think I

137
00:07:31,400 --> 00:07:35,400
Speaker 2: only ever saw her breakdown maybe twice that entire time.

138
00:07:35,920 --> 00:07:39,880
Speaker 2: And during that time, I was the feral teenage daughter

139
00:07:40,080 --> 00:07:42,920
Speaker 2: and she had my two sisters to deal with at

140
00:07:42,960 --> 00:07:46,280
Speaker 2: the same time. And I think watching her strength is

141
00:07:46,360 --> 00:07:49,120
Speaker 2: what gave me my strength to be like ohnh that's

142
00:07:49,200 --> 00:07:52,920
Speaker 2: just the way I life. And then I got my

143
00:07:53,040 --> 00:07:56,200
Speaker 2: law degree, which is probably one of the most exciting

144
00:07:56,280 --> 00:07:57,160
Speaker 2: days of my life.

145
00:07:57,400 --> 00:07:58,559
Speaker 4: You're from a small town.

146
00:07:59,200 --> 00:08:01,800
Speaker 3: I didn't ask before, but what did your parents do, Like,

147
00:08:02,040 --> 00:08:04,600
Speaker 3: was this something where they had higher education as well,

148
00:08:04,720 --> 00:08:06,120
Speaker 3: or are you like one of the first in the

149
00:08:06,200 --> 00:08:07,760
Speaker 3: family to go through that journey.

150
00:08:08,000 --> 00:08:09,560
Speaker 2: I'm one of the first in the family.

151
00:08:09,880 --> 00:08:11,360
Speaker 4: That's so sick, isn't it.

152
00:08:11,680 --> 00:08:15,680
Speaker 2: My mum was a horse trainer growing up, and then

153
00:08:16,240 --> 00:08:19,520
Speaker 2: she moved into dairy farming and that kind of thing

154
00:08:20,160 --> 00:08:23,120
Speaker 2: as a kid. My dad did dairy farming and truck driving,

155
00:08:23,360 --> 00:08:27,160
Speaker 2: and then he had his accident and didn't work for

156
00:08:27,480 --> 00:08:33,439
Speaker 2: ten plus years, and then he ended up working for

157
00:08:33,559 --> 00:08:37,160
Speaker 2: a government role and has only recently retired in the

158
00:08:37,280 --> 00:08:38,720
Speaker 2: last four years.

159
00:08:39,360 --> 00:08:40,360
Speaker 4: I hate so.

160
00:08:40,800 --> 00:08:43,000
Speaker 2: Yeah, I'm the first one to go to UNI, the

161
00:08:43,040 --> 00:08:46,319
Speaker 2: first one to get a big girl degree, and it

162
00:08:46,520 --> 00:08:50,199
Speaker 2: was definitely the biggest middle finger to everyone that I

163
00:08:50,280 --> 00:08:53,199
Speaker 2: grew up with that said you wouldn't amount to anything.

164
00:08:53,559 --> 00:08:54,959
Speaker 4: And did your parents love that?

165
00:08:55,120 --> 00:08:57,600
Speaker 3: Because like, I just I know my parents were really

166
00:08:57,640 --> 00:09:00,440
Speaker 3: proud of me, and like, I went through that journey,

167
00:09:00,520 --> 00:09:02,760
Speaker 3: but I didn't face nearly as much adversity.

168
00:09:02,840 --> 00:09:05,400
Speaker 4: Were they like jumping for joy? Because I just would

169
00:09:05,400 --> 00:09:06,920
Speaker 4: have been like, yeah, that's my daughter. She's gonna be

170
00:09:06,960 --> 00:09:09,080
Speaker 4: a lawyer, Like, ah, how cool.

171
00:09:09,320 --> 00:09:12,880
Speaker 2: Yeah, that was definitely my parents. The day I graduated,

172
00:09:13,200 --> 00:09:16,200
Speaker 2: I was dancing in the car park in my sixteen

173
00:09:16,280 --> 00:09:17,920
Speaker 2: hundred dollars Valentino rock duds.

174
00:09:18,320 --> 00:09:24,080
Speaker 4: Yeah, yeah, I love this for you so much.

175
00:09:24,520 --> 00:09:29,199
Speaker 2: And then yes, I got my law degree. I then

176
00:09:30,040 --> 00:09:33,640
Speaker 2: was teaching and dairy farming to bring money in because

177
00:09:34,000 --> 00:09:34,839
Speaker 2: those don't stop.

178
00:09:35,080 --> 00:09:38,080
Speaker 3: No, that's crazy, rude. I didn't you just show them

179
00:09:38,120 --> 00:09:39,800
Speaker 3: your degree and they just waved away bills?

180
00:09:40,000 --> 00:09:43,280
Speaker 2: No, unfortunately not. I did try that. Yeah, and I

181
00:09:43,480 --> 00:09:48,040
Speaker 2: was applying for job after job after job from I

182
00:09:48,160 --> 00:09:53,120
Speaker 2: think didn't need in right up to Auckland, including my hometown.

183
00:09:53,360 --> 00:09:54,559
Speaker 2: Despite the fake I said.

184
00:09:54,360 --> 00:09:56,360
Speaker 4: I'd need a return, but like I would for a

185
00:09:56,400 --> 00:09:56,840
Speaker 4: good job.

186
00:09:57,160 --> 00:10:03,160
Speaker 2: Yeah, and I given a chance in South Canterbury, and

187
00:10:04,320 --> 00:10:08,720
Speaker 2: me and my partner went from living together and working

188
00:10:08,800 --> 00:10:11,559
Speaker 2: together to not living together and not working together and

189
00:10:11,679 --> 00:10:15,000
Speaker 2: going long distance. And now I get to be grace

190
00:10:15,120 --> 00:10:16,920
Speaker 2: with my presence again because I'm moving back.

191
00:10:17,720 --> 00:10:20,320
Speaker 3: Absolutely talk to me about You said that your ex

192
00:10:20,440 --> 00:10:23,960
Speaker 3: fiance was in a motorcycle accident, nearly died. You did

193
00:10:24,000 --> 00:10:27,959
Speaker 3: your exams on the hospital floor. What happened there with

194
00:10:28,160 --> 00:10:31,120
Speaker 3: that relationship was us another spanner in the works before

195
00:10:31,160 --> 00:10:33,400
Speaker 3: meeting the one that you are going to marry.

196
00:10:34,000 --> 00:10:37,680
Speaker 2: So we met just before I moved to christ Itch

197
00:10:37,880 --> 00:10:42,959
Speaker 2: and he moved down with me, and it was all

198
00:10:43,880 --> 00:10:46,840
Speaker 2: well and good. The relationship was just popping along as

199
00:10:46,920 --> 00:10:49,959
Speaker 2: it does. I don't think his sister or his mother

200
00:10:50,160 --> 00:10:50,959
Speaker 2: liked me very much.

201
00:10:51,080 --> 00:10:52,880
Speaker 4: They've just got terrible taste. It's fine.

202
00:10:53,040 --> 00:10:56,800
Speaker 2: And then he crashed one of my cars. I didn't

203
00:10:56,840 --> 00:11:01,480
Speaker 2: think much of it. And then he had a motorcycle

204
00:11:01,559 --> 00:11:04,920
Speaker 2: accident one morning on his way to work, and he

205
00:11:05,360 --> 00:11:07,959
Speaker 2: had one of the worst open book pubt fractures that

206
00:11:08,120 --> 00:11:14,160
Speaker 2: his doctors had ever seen. Oh god, basically yeah, absolutely harrafic.

207
00:11:14,320 --> 00:11:16,680
Speaker 2: He had to learn how to rewalk, He had to learn,

208
00:11:17,559 --> 00:11:22,920
Speaker 2: like relearn everything. And the accident itself wasn't exactly the

209
00:11:22,960 --> 00:11:26,800
Speaker 2: beginning of the end, but it was his attitude towards

210
00:11:27,440 --> 00:11:31,800
Speaker 2: at all. So I very vividly remember the day of

211
00:11:31,880 --> 00:11:34,360
Speaker 2: the accident. His phone was smashed, so I let him

212
00:11:34,360 --> 00:11:36,280
Speaker 2: borrow mine to talk to his mum, and at the

213
00:11:36,360 --> 00:11:38,920
Speaker 2: same time he was looking on trade me to buy

214
00:11:38,920 --> 00:11:41,960
Speaker 2: a new bike, and I was like, you almost died.

215
00:11:42,280 --> 00:11:43,560
Speaker 4: Can we not do this right now?

216
00:11:44,720 --> 00:11:47,680
Speaker 2: Can you take five seconds to be like, holy shit,

217
00:11:48,080 --> 00:11:53,480
Speaker 2: this has just happened. And then he crashed a second

218
00:11:53,559 --> 00:11:57,240
Speaker 2: car of mine, which was my first adult car that

219
00:11:57,400 --> 00:12:01,280
Speaker 2: I had managed to buy myself, And that was sort

220
00:12:01,280 --> 00:12:05,880
Speaker 2: of the beginning of the end. And I very vividly

221
00:12:05,960 --> 00:12:10,000
Speaker 2: remember paying for the deposit for the celebrant and I

222
00:12:10,120 --> 00:12:12,080
Speaker 2: had my drinks and everything at this point in time,

223
00:12:12,640 --> 00:12:15,680
Speaker 2: and my gap just going you and making a mistake,

224
00:12:15,840 --> 00:12:18,160
Speaker 2: do not do this. And it was then and there

225
00:12:18,240 --> 00:12:19,240
Speaker 2: that I was like, now I'm done.

226
00:12:19,640 --> 00:12:21,959
Speaker 3: There was just something that you were like this like,

227
00:12:22,000 --> 00:12:25,400
Speaker 3: because it's not about the accidents and I know that

228
00:12:25,480 --> 00:12:27,679
Speaker 3: what you've said, and I'm just trying to read between

229
00:12:27,720 --> 00:12:29,559
Speaker 3: the lines here a little bit. I know what you've

230
00:12:29,600 --> 00:12:31,559
Speaker 3: said is like, you know, he crashed my car, So

231
00:12:31,720 --> 00:12:33,480
Speaker 3: like if my husband crashed my car, I feel like

232
00:12:33,559 --> 00:12:35,320
Speaker 3: my attitude is going to be very different because I'd

233
00:12:35,360 --> 00:12:36,800
Speaker 3: be like, holy shit, like you're my husband and I'm

234
00:12:36,800 --> 00:12:39,560
Speaker 3: obsessed with you and like, you know, but I'm assuming

235
00:12:39,760 --> 00:12:41,599
Speaker 3: that it wasn't that he crushed your car. It was

236
00:12:41,679 --> 00:12:45,359
Speaker 3: probably the attitude around the entitlement of crashing.

237
00:12:45,040 --> 00:12:48,000
Speaker 4: Your car and how that worked and all, like is

238
00:12:48,080 --> 00:12:48,959
Speaker 4: that right?

239
00:12:49,080 --> 00:12:51,160
Speaker 3: If I'm reading between those lines that it wasn't like

240
00:12:51,240 --> 00:12:53,319
Speaker 3: that he crushed your car, because I feel like if

241
00:12:53,360 --> 00:12:55,440
Speaker 3: I crashed your car, you'd be like, oh my god,

242
00:12:55,559 --> 00:12:56,600
Speaker 3: the like what happened?

243
00:12:56,640 --> 00:12:57,120
Speaker 4: Are you okay?

244
00:12:57,280 --> 00:12:59,640
Speaker 3: Like let's get through insurance and we'd work it out.

245
00:13:00,000 --> 00:13:02,840
Speaker 3: I wouldn't stop being my friend I crushed your car.

246
00:13:03,440 --> 00:13:07,280
Speaker 3: So is that the right pathway that my brain is

247
00:13:07,360 --> 00:13:07,840
Speaker 3: going down?

248
00:13:08,000 --> 00:13:11,920
Speaker 2: Definitely the entitlement. I'm trying really hard not to because

249
00:13:11,920 --> 00:13:14,280
Speaker 2: he's not a bad guy. It's just his attitude was.

250
00:13:14,440 --> 00:13:17,360
Speaker 4: Just you're anonymous right now, so you could trash this

251
00:13:17,520 --> 00:13:18,640
Speaker 4: man and I would allow it.

252
00:13:19,400 --> 00:13:23,480
Speaker 3: But I think it's important because it's interesting and I'm

253
00:13:23,520 --> 00:13:26,760
Speaker 3: just stepping aside. Maybe this is a little side quest conversation. Obviously,

254
00:13:26,800 --> 00:13:28,199
Speaker 3: I've got shees on the Money, and you listen to

255
00:13:28,280 --> 00:13:31,520
Speaker 3: this stuff because you want financial literacy, and you're so

256
00:13:31,640 --> 00:13:36,079
Speaker 3: interested in people's money stories, but intertwined into our money stories,

257
00:13:36,160 --> 00:13:38,599
Speaker 3: our life journey and our life stories. And I've just

258
00:13:38,679 --> 00:13:42,040
Speaker 3: had so many messages historically of people saying, oh my god,

259
00:13:42,160 --> 00:13:43,839
Speaker 3: like I worked out that I didn't and this is

260
00:13:44,000 --> 00:13:46,120
Speaker 3: so sad, but I worked out that I didn't want

261
00:13:46,120 --> 00:13:47,640
Speaker 3: to be with my husband anymore. I didn't want to

262
00:13:47,640 --> 00:13:50,640
Speaker 3: be my person anymore because this money darist was talking

263
00:13:50,640 --> 00:13:53,160
Speaker 3: about what their partner was saying and how their partner

264
00:13:53,240 --> 00:13:54,560
Speaker 3: was treating them, and I was like, you shouldn't put

265
00:13:54,640 --> 00:13:56,120
Speaker 3: up with that, And then I realized I was putting

266
00:13:56,200 --> 00:13:58,319
Speaker 3: up with that. I was like, oh my god, awful.

267
00:13:58,559 --> 00:14:00,880
Speaker 3: But I think it's so important that when we talk

268
00:14:00,960 --> 00:14:04,360
Speaker 3: about these money stories, we're intertwining real life events and like,

269
00:14:04,480 --> 00:14:06,400
Speaker 3: you know, a little bit more context so that we

270
00:14:06,480 --> 00:14:09,160
Speaker 3: can genuinely learn, which is one of the reasons why

271
00:14:09,240 --> 00:14:10,439
Speaker 3: I love that they're anonymous.

272
00:14:10,559 --> 00:14:11,560
Speaker 4: Yeah, because you.

273
00:14:11,600 --> 00:14:13,959
Speaker 3: Could be like this guy cheated on me, did this,

274
00:14:14,160 --> 00:14:16,439
Speaker 3: did that, And you know, I want the goss, so

275
00:14:16,600 --> 00:14:18,360
Speaker 3: I want the juice. And yes, we're not going to

276
00:14:18,800 --> 00:14:20,840
Speaker 3: trash talk somebody that you don't want a trash talk.

277
00:14:20,880 --> 00:14:22,680
Speaker 3: But I also think it's like, let's read between the

278
00:14:22,720 --> 00:14:24,840
Speaker 3: lines here a little bit. There clearly was something more

279
00:14:24,920 --> 00:14:26,840
Speaker 3: than oh, he just crashed my car. So I broke

280
00:14:26,960 --> 00:14:29,640
Speaker 3: up with him going on because I wouldn't want someone

281
00:14:29,720 --> 00:14:32,200
Speaker 3: to listen to that and just pragmatically go, well that's

282
00:14:32,240 --> 00:14:32,800
Speaker 3: what she said.

283
00:14:33,080 --> 00:14:38,320
Speaker 2: So no. So he was so blase about the fact

284
00:14:38,360 --> 00:14:42,080
Speaker 2: that he had crashed two of the three cars owned,

285
00:14:42,680 --> 00:14:48,000
Speaker 2: and his attitude was the bike accident where he almost died.

286
00:14:48,440 --> 00:14:51,760
Speaker 2: And I was at the hospital eight am to eight

287
00:14:51,880 --> 00:14:55,440
Speaker 2: pm every day with him, helping him learn how to

288
00:14:55,680 --> 00:14:58,880
Speaker 2: free walk, deal with the hospital, the said and the

289
00:14:59,000 --> 00:15:02,920
Speaker 2: next thing, and then his mum would swoop and take

290
00:15:03,000 --> 00:15:06,080
Speaker 2: over and he'd be so grateful for her, But at

291
00:15:06,080 --> 00:15:08,160
Speaker 2: the end of the day, it was like, Okay, I'm

292
00:15:08,240 --> 00:15:10,840
Speaker 2: the one putting everything.

293
00:15:10,400 --> 00:15:13,040
Speaker 4: On whole being taken for granted here, what.

294
00:15:13,440 --> 00:15:15,880
Speaker 2: The actual hell is going on? I was there so

295
00:15:16,040 --> 00:15:19,760
Speaker 2: often that some of the very lovely nurses would actually

296
00:15:20,040 --> 00:15:23,200
Speaker 2: order me dinner as well. They were brilliant. They were

297
00:15:23,280 --> 00:15:26,400
Speaker 2: probably the people that got me through. But yeah, I

298
00:15:26,520 --> 00:15:29,520
Speaker 2: couldn't deal with the attitude. And no matter how much

299
00:15:29,560 --> 00:15:33,040
Speaker 2: I asked for counseling, this, that, and the next thing

300
00:15:33,120 --> 00:15:36,200
Speaker 2: to work through it, he just didn't care until I

301
00:15:36,280 --> 00:15:38,120
Speaker 2: told him I was done. And then he was like, Oh,

302
00:15:38,280 --> 00:15:39,840
Speaker 2: go to counseling. I'll do this, I'll do that.

303
00:15:39,920 --> 00:15:41,000
Speaker 4: I'm like, no, I'm too late.

304
00:15:41,080 --> 00:15:43,960
Speaker 2: I've been asking you that for six months. I'm done. Fair.

305
00:15:44,360 --> 00:15:46,680
Speaker 4: So then you met the love of your life? Yes,

306
00:15:48,080 --> 00:15:49,280
Speaker 4: and how did you meet them?

307
00:15:49,680 --> 00:15:52,920
Speaker 2: So? I coached his little brother's football team, and it's

308
00:15:53,040 --> 00:15:55,560
Speaker 2: definitely a meet care. Yes, I coached his little brother's

309
00:15:55,600 --> 00:15:58,960
Speaker 2: football team, and his little brother was at boarding school

310
00:15:59,600 --> 00:16:03,880
Speaker 2: and their parents had gone overseas, and I needed to

311
00:16:04,000 --> 00:16:06,480
Speaker 2: pick I'll call him Pip Squeak because that's his nickname,

312
00:16:06,560 --> 00:16:08,520
Speaker 2: and there's only a handful of people that know that

313
00:16:08,600 --> 00:16:12,640
Speaker 2: I call him. I picked Pip Squeak up from his brother.

314
00:16:13,000 --> 00:16:15,160
Speaker 4: That's such a key we nickname. I'm loving this.

315
00:16:15,840 --> 00:16:17,800
Speaker 2: I call him Pip Squeak because when I met him,

316
00:16:17,840 --> 00:16:19,480
Speaker 2: he was shorter than I am. Now I have to

317
00:16:19,560 --> 00:16:23,480
Speaker 2: look up and not finished growing yet. So he's going

318
00:16:23,560 --> 00:16:26,360
Speaker 2: through so much taller than what he is. So yeah,

319
00:16:26,360 --> 00:16:29,920
Speaker 2: I picked Pip Squeak up from my now partner and

320
00:16:31,080 --> 00:16:32,840
Speaker 2: that afternoon I was like, I was sitting here, I

321
00:16:32,840 --> 00:16:35,000
Speaker 2: was thinking. I was like, huh, he's kind of cute.

322
00:16:35,240 --> 00:16:36,680
Speaker 2: I just continued a conversation.

323
00:16:37,000 --> 00:16:38,520
Speaker 4: You got a cute brother? Nice?

324
00:16:39,160 --> 00:16:43,280
Speaker 2: Yeah, and he thought similar and he shot his shot.

325
00:16:43,320 --> 00:16:46,200
Speaker 2: I was like, ah, if you want me to repay

326
00:16:46,240 --> 00:16:49,360
Speaker 2: the coffee favor, just you know, because I had brought

327
00:16:49,560 --> 00:16:51,800
Speaker 2: him a coffee that morning, just to be nice because

328
00:16:51,840 --> 00:16:55,440
Speaker 2: I was we were meeting at Starbucks and who would

329
00:16:55,480 --> 00:16:57,880
Speaker 2: have thought three years later, here.

330
00:16:57,800 --> 00:17:00,880
Speaker 3: We are a door or I love that? Do you

331
00:17:00,920 --> 00:17:03,280
Speaker 3: want me to repay the coffee favor? Doesn't mean that

332
00:17:03,360 --> 00:17:04,399
Speaker 3: we get to go get coffee?

333
00:17:04,440 --> 00:17:04,920
Speaker 4: Toget that.

334
00:17:05,280 --> 00:17:06,320
Speaker 2: Yeah, that was pretty much.

335
00:17:07,440 --> 00:17:08,119
Speaker 5: I love this.

336
00:17:08,600 --> 00:17:10,640
Speaker 3: I literally love love like I would love a whole

337
00:17:10,680 --> 00:17:12,680
Speaker 3: podcast on just like how people meet.

338
00:17:12,840 --> 00:17:14,920
Speaker 4: Like my story is kind of boring. I met my

339
00:17:15,000 --> 00:17:17,160
Speaker 4: husband on Tinder, so like when I ask other people

340
00:17:17,200 --> 00:17:18,720
Speaker 4: and you didn't meet on Titter, I'm like, oh my god,

341
00:17:18,800 --> 00:17:19,720
Speaker 4: tell me how did it work?

342
00:17:19,760 --> 00:17:22,320
Speaker 3: Because like I'm so blast in real life, like someone

343
00:17:22,359 --> 00:17:24,200
Speaker 3: could have been like, I really like you and I'll

344
00:17:24,240 --> 00:17:25,400
Speaker 3: be like, yes as a friend.

345
00:17:25,480 --> 00:17:27,480
Speaker 4: Goodbye with that.

346
00:17:29,359 --> 00:17:32,600
Speaker 3: Yeah, So moving on from that, that's kind of like,

347
00:17:33,080 --> 00:17:35,400
Speaker 3: I guess your money story and where you've come from.

348
00:17:35,520 --> 00:17:38,119
Speaker 3: Tell me a little bit more about today. So what

349
00:17:38,280 --> 00:17:41,080
Speaker 3: happens when you have to apply for two hundred different jobs?

350
00:17:41,600 --> 00:17:44,840
Speaker 3: I feel like that would be really hard, especially on

351
00:17:44,920 --> 00:17:45,560
Speaker 3: your confidence.

352
00:17:45,800 --> 00:17:51,679
Speaker 2: It is so hard. I remember setting a rejiction email

353
00:17:51,760 --> 00:17:55,960
Speaker 2: after addiction email, being like and looking back, now, it's

354
00:17:56,040 --> 00:18:00,440
Speaker 2: not about you, it's about the situation. Were just not

355
00:18:00,560 --> 00:18:02,680
Speaker 2: a good set for the job. But at the time,

356
00:18:02,760 --> 00:18:04,520
Speaker 2: I was like, what is it about me that they

357
00:18:04,640 --> 00:18:05,440
Speaker 2: don't want?

358
00:18:06,040 --> 00:18:06,080
Speaker 6: It?

359
00:18:06,560 --> 00:18:08,840
Speaker 2: Tore into that little light year old that got told

360
00:18:08,920 --> 00:18:11,120
Speaker 2: she wasn't going to amount to anything.

361
00:18:11,400 --> 00:18:12,320
Speaker 4: No, I hate that.

362
00:18:12,760 --> 00:18:15,080
Speaker 2: But there was just this little voice in the back

363
00:18:15,119 --> 00:18:17,520
Speaker 2: of my head going, there are far too many people

364
00:18:17,880 --> 00:18:19,960
Speaker 2: sitting here waiting for you to fail.

365
00:18:20,520 --> 00:18:23,840
Speaker 3: Keep going yeah, And it's rough because I think you

366
00:18:23,960 --> 00:18:25,920
Speaker 3: take it so personally, but like, at the end of

367
00:18:25,920 --> 00:18:27,720
Speaker 3: the day, it's genuinely not personal.

368
00:18:27,840 --> 00:18:31,479
Speaker 4: And like the job hunting period of time, you go, oh,

369
00:18:31,600 --> 00:18:32,840
Speaker 4: it must be me, you know what.

370
00:18:32,960 --> 00:18:36,080
Speaker 3: They must have seen straight through my resume, into my

371
00:18:36,200 --> 00:18:38,840
Speaker 3: personality and into my soul, and that's what they don't

372
00:18:39,200 --> 00:18:42,280
Speaker 3: like and in reality, I'm so sorry to downplay it

373
00:18:42,359 --> 00:18:44,840
Speaker 3: to this, but you were one of hundreds of applicants

374
00:18:44,880 --> 00:18:47,680
Speaker 3: with exactly the same flipping degree and it probably had

375
00:18:48,000 --> 00:18:50,920
Speaker 3: nothing to do with you personally and everything to do

376
00:18:51,040 --> 00:18:54,240
Speaker 3: with luck or application timelines or oh my god, like

377
00:18:54,520 --> 00:18:56,359
Speaker 3: their dad used to be a lawyer as well, and

378
00:18:56,400 --> 00:18:59,040
Speaker 3: they got to do a little internship at a law firm,

379
00:18:59,160 --> 00:19:01,159
Speaker 3: and you didn't have that because you had parents who

380
00:19:01,240 --> 00:19:04,440
Speaker 3: grew up dairy farming. Like, it's literally not about you.

381
00:19:04,600 --> 00:19:06,720
Speaker 3: But how weird is it that we jumped to this

382
00:19:06,840 --> 00:19:08,920
Speaker 3: idea that must be about my personality?

383
00:19:08,960 --> 00:19:09,399
Speaker 4: How did they know?

384
00:19:09,680 --> 00:19:11,760
Speaker 3: How did they look into my soul and see the

385
00:19:11,880 --> 00:19:14,239
Speaker 3: things that I am self conscious about and hate that too.

386
00:19:14,840 --> 00:19:16,720
Speaker 2: I don't know what it is, but it was just

387
00:19:17,000 --> 00:19:20,680
Speaker 2: straight to the a stagger through the heart. I couldn't

388
00:19:21,000 --> 00:19:24,920
Speaker 2: get over it. I was like, this sucks, And if

389
00:19:24,960 --> 00:19:26,920
Speaker 2: it weren't for my partner, I'd be like, I could go.

390
00:19:27,520 --> 00:19:30,280
Speaker 2: There are other jobs out there, Someone sometime somewhere is

391
00:19:30,359 --> 00:19:31,879
Speaker 2: going to give you a chance.

392
00:19:32,480 --> 00:19:35,560
Speaker 3: Exactly, And like applying for two hundred, that's a long slog.

393
00:19:36,600 --> 00:19:39,600
Speaker 3: Tell me a bit about this, like process, though you're

394
00:19:39,600 --> 00:19:42,880
Speaker 3: applying for two hundred jobs. Right, How long a period

395
00:19:43,200 --> 00:19:43,359
Speaker 3: was that?

396
00:19:43,680 --> 00:19:43,800
Speaker 2: Was that?

397
00:19:44,000 --> 00:19:45,840
Speaker 4: Like you did that all in one week? Did you

398
00:19:45,920 --> 00:19:47,320
Speaker 4: do that in a couple of months?

399
00:19:47,960 --> 00:19:51,640
Speaker 2: Probably between a year and a half to two years. Yeah,

400
00:19:51,920 --> 00:19:55,600
Speaker 2: So from the time I graduated to getting this job.

401
00:19:55,960 --> 00:19:58,240
Speaker 3: Yeah, And so tell me a little bit more about

402
00:19:59,200 --> 00:20:01,920
Speaker 3: your strategy. So did you change your resume? Did you

403
00:20:02,119 --> 00:20:04,440
Speaker 3: update things? Because, like you know, if you and I

404
00:20:04,560 --> 00:20:07,199
Speaker 3: always talk to people about this, like your resume might

405
00:20:07,280 --> 00:20:09,760
Speaker 3: not be terrible, but it might just be hitting the

406
00:20:09,840 --> 00:20:13,239
Speaker 3: mark in your particular industry. Were you like redoing your

407
00:20:13,240 --> 00:20:15,199
Speaker 3: resume or changing the way you do cover it as well?

408
00:20:15,200 --> 00:20:16,600
Speaker 3: Were you just like, you know what, I'm just going

409
00:20:16,680 --> 00:20:18,159
Speaker 3: to have at it and it's the same as you

410
00:20:18,240 --> 00:20:19,600
Speaker 3: may for the entire two years.

411
00:20:19,960 --> 00:20:23,440
Speaker 2: It was a bit of both. I was very very lucky.

412
00:20:23,520 --> 00:20:27,240
Speaker 2: I went to lunch with a friend and her daughter's

413
00:20:27,640 --> 00:20:31,919
Speaker 2: father and we were discussing me applying for law jobs,

414
00:20:32,200 --> 00:20:36,600
Speaker 2: and he goes, oh, I know someone at all firm.

415
00:20:36,840 --> 00:20:39,920
Speaker 2: I'll put you in contact. And then I went to

416
00:20:40,040 --> 00:20:44,000
Speaker 2: a conference. I met this very lovely lady. We had

417
00:20:44,040 --> 00:20:46,320
Speaker 2: a chat and she went over my resume with me

418
00:20:46,600 --> 00:20:50,359
Speaker 2: and she went change this, like make it bullet points,

419
00:20:50,400 --> 00:20:52,920
Speaker 2: don't make it pages. That's that and the next thing.

420
00:20:54,359 --> 00:20:58,960
Speaker 2: And I did that and she was like, make sure

421
00:20:59,119 --> 00:21:04,440
Speaker 2: you just tweak the cover letter to each employer and

422
00:21:04,520 --> 00:21:07,200
Speaker 2: I was like, oh, that's so much work, but I

423
00:21:07,560 --> 00:21:11,520
Speaker 2: did it anyway. And then I just would flick application

424
00:21:11,760 --> 00:21:17,720
Speaker 2: after application after application of because at some point something's

425
00:21:17,760 --> 00:21:18,680
Speaker 2: going to stick to the wall.

426
00:21:20,000 --> 00:21:23,240
Speaker 4: And then it did. So tell me about that pathway.

427
00:21:23,840 --> 00:21:27,879
Speaker 2: So I am currently a criminal defense and family lawyer.

428
00:21:28,119 --> 00:21:31,280
Speaker 4: Bougie. That sounds so bougie. I love it.

429
00:21:31,840 --> 00:21:34,560
Speaker 2: It has its perks, it does have its downfalls. But

430
00:21:35,160 --> 00:21:37,560
Speaker 2: the job that I'm doing at the moment, I am

431
00:21:37,720 --> 00:21:42,280
Speaker 2: very sad to be leaving. But yeah, absolutely love my job.

432
00:21:42,320 --> 00:21:42,840
Speaker 2: At the moment.

433
00:21:42,920 --> 00:21:44,880
Speaker 3: We're not sad. We're not sad because we've just got

434
00:21:44,920 --> 00:21:48,680
Speaker 3: our new dream job we have. So tell me what

435
00:21:48,760 --> 00:21:50,440
Speaker 3: you're currently being paid and then what you're going to

436
00:21:50,480 --> 00:21:51,480
Speaker 3: get paid in this new role.

437
00:21:51,800 --> 00:21:55,080
Speaker 2: So I'm currently being paid fifty five thousand a year

438
00:21:55,600 --> 00:22:00,760
Speaker 2: with Kiwi Saber. My understanding is my new role is

439
00:22:00,840 --> 00:22:05,040
Speaker 2: going to be sixty thousand a year plus kiwisaver on top,

440
00:22:05,240 --> 00:22:06,680
Speaker 2: I think is what it's going to be.

441
00:22:07,080 --> 00:22:08,760
Speaker 3: Yeah, So tell me a bit more like give me

442
00:22:08,840 --> 00:22:12,760
Speaker 3: a little bit of a I don't know baseline, because

443
00:22:12,840 --> 00:22:15,159
Speaker 3: in Australia, if you said I'm a baby lawyer and

444
00:22:15,200 --> 00:22:17,800
Speaker 3: I'm getting paid fifty five thousand dollars, I would say

445
00:22:17,840 --> 00:22:20,720
Speaker 3: that's about graduate rates. Is that where you're sitting at

446
00:22:20,760 --> 00:22:23,720
Speaker 3: the moment, Like what does the career trajectory look like?

447
00:22:24,000 --> 00:22:27,280
Speaker 3: Like what are your I guess financial goals for your

448
00:22:27,320 --> 00:22:29,000
Speaker 3: career or in general. We'll get to that because I've

449
00:22:29,000 --> 00:22:29,640
Speaker 3: got questions.

450
00:22:30,119 --> 00:22:33,720
Speaker 2: So what I'm being paid is about right for where

451
00:22:33,800 --> 00:22:39,760
Speaker 2: I am. I'm fifteen months into my first job, so

452
00:22:39,920 --> 00:22:45,399
Speaker 2: it's it's pretty on par with graduate role. Unfortunately, criminal

453
00:22:45,520 --> 00:22:48,359
Speaker 2: lawyers don't get paid what they should.

454
00:22:48,680 --> 00:22:51,240
Speaker 3: It's almost like criminals that criminals, and they actually don't

455
00:22:51,280 --> 00:22:52,040
Speaker 3: have heaps of money.

456
00:22:52,160 --> 00:22:56,040
Speaker 2: That's crazy, right, Yeah, I made just between you and I,

457
00:22:56,240 --> 00:22:58,440
Speaker 2: the drunk business is feeling lucrative.

458
00:22:58,880 --> 00:23:01,560
Speaker 4: Well yeah, absolutely, but only if you're successful. If you're

459
00:23:01,560 --> 00:23:03,119
Speaker 4: making it to court, you probably didn't do that.

460
00:23:03,280 --> 00:23:07,200
Speaker 2: Well no, yeah, So at the moment, I do a

461
00:23:07,280 --> 00:23:10,480
Speaker 2: lot of legal aid work and even then we don't

462
00:23:10,560 --> 00:23:13,760
Speaker 2: get paid what we personally should I think we should

463
00:23:13,840 --> 00:23:17,920
Speaker 2: be paid. I can go into court on a Tuesday

464
00:23:18,200 --> 00:23:20,480
Speaker 2: at ten am and I'd walk out. I've had days

465
00:23:20,480 --> 00:23:23,400
Speaker 2: where I've walked out at quarter past five at night

466
00:23:23,840 --> 00:23:26,720
Speaker 2: and in between then I would have been yelled at.

467
00:23:26,800 --> 00:23:30,240
Speaker 2: I've been used. I do have really really lovely clients,

468
00:23:30,400 --> 00:23:35,359
Speaker 2: but everyone's lovely when they need something. But yeah, I

469
00:23:35,480 --> 00:23:39,000
Speaker 2: don't think we get paid enough for what we deal with.

470
00:23:39,520 --> 00:23:43,560
Speaker 2: Reading financial goals, I don't really have a whole lot

471
00:23:43,600 --> 00:23:48,119
Speaker 2: of financial goals for my career. I just have goals,

472
00:23:48,320 --> 00:23:51,960
Speaker 2: if that makes so. I would really like to make

473
00:23:52,200 --> 00:23:54,960
Speaker 2: my small time goal as making partner.

474
00:23:55,320 --> 00:24:00,040
Speaker 4: Small goal. My small goals making partner, okay, sit down.

475
00:24:00,080 --> 00:24:04,480
Speaker 2: On My medium goal is owning my own practice. I

476
00:24:04,640 --> 00:24:06,720
Speaker 2: think that would be pretty sick.

477
00:24:06,920 --> 00:24:09,159
Speaker 3: To put it politely, it is pretty you know what,

478
00:24:09,320 --> 00:24:11,880
Speaker 3: working for yourself is pretty sick. That's how I would

479
00:24:11,920 --> 00:24:12,760
Speaker 3: explain my job.

480
00:24:13,560 --> 00:24:17,960
Speaker 2: And then my big time goal would be becoming a

481
00:24:18,200 --> 00:24:20,760
Speaker 2: judge would be probably my old goal.

482
00:24:22,080 --> 00:24:24,159
Speaker 4: That's a big dog job. How do you become a

483
00:24:24,240 --> 00:24:25,280
Speaker 4: judge in New Zealand?

484
00:24:25,480 --> 00:24:27,400
Speaker 3: Like it's a bit of a different system than Australia,

485
00:24:27,440 --> 00:24:28,919
Speaker 3: but I think that they're pretty similar.

486
00:24:28,920 --> 00:24:29,520
Speaker 4: What do you got to do?

487
00:24:30,119 --> 00:24:32,840
Speaker 2: So my understanding, I don't have a whole lot of

488
00:24:32,920 --> 00:24:37,520
Speaker 2: understanding of how to get to judge level because I

489
00:24:37,880 --> 00:24:40,040
Speaker 2: just a baby, so I haven't quite met that out.

490
00:24:40,280 --> 00:24:44,800
Speaker 2: But my understanding is you can either be nominated or

491
00:24:44,880 --> 00:24:49,159
Speaker 2: you can put your name forward, and then they go

492
00:24:49,320 --> 00:24:51,840
Speaker 2: through this big hold breaking role. They look at what

493
00:24:51,920 --> 00:24:55,720
Speaker 2: you've done over your career, they look at cases you've

494
00:24:55,760 --> 00:25:02,360
Speaker 2: been on, what your impact has essentially been, and in yeah,

495
00:25:02,480 --> 00:25:05,639
Speaker 2: they go yeah, no kind of that's what that's my understanding.

496
00:25:05,720 --> 00:25:07,800
Speaker 2: At least I may be a little bit wrong.

497
00:25:08,040 --> 00:25:09,520
Speaker 3: Do you know what, I'm going to give you some

498
00:25:09,680 --> 00:25:14,000
Speaker 3: unsolicited career advice And if that's what you want to do, fantastic,

499
00:25:14,080 --> 00:25:16,440
Speaker 3: we can do it. Like literally, this skuy's our limit.

500
00:25:16,680 --> 00:25:18,359
Speaker 3: But what I would do is look up all the

501
00:25:18,440 --> 00:25:21,080
Speaker 3: judges that you know and that you respect, look them

502
00:25:21,160 --> 00:25:23,720
Speaker 3: up on LinkedIn, look up their career trajectory and see

503
00:25:23,720 --> 00:25:26,040
Speaker 3: what the hell they've done. So how did they get

504
00:25:26,080 --> 00:25:28,119
Speaker 3: into that position. Yeah, they might have been nominated or

505
00:25:28,119 --> 00:25:31,080
Speaker 3: they nominated themselves, great, but to actually get the role,

506
00:25:31,600 --> 00:25:32,440
Speaker 3: where did they work?

507
00:25:32,520 --> 00:25:34,880
Speaker 4: Did they make partner? And you might start to see

508
00:25:34,920 --> 00:25:36,159
Speaker 4: a theme of okay, So.

509
00:25:36,440 --> 00:25:40,399
Speaker 3: Most judges in my area they go through this semi

510
00:25:40,560 --> 00:25:44,040
Speaker 3: similar career trajectory of doing this job, doing a more

511
00:25:44,080 --> 00:25:47,119
Speaker 3: senior job, making partner, being partner for ten years, then

512
00:25:47,240 --> 00:25:49,440
Speaker 3: doing like this, and it might give you a little

513
00:25:49,480 --> 00:25:52,720
Speaker 3: bit more of a guide of how to get.

514
00:25:52,600 --> 00:25:53,440
Speaker 4: To where you want to go.

515
00:25:53,920 --> 00:25:55,840
Speaker 3: And I give this advice to so many people who

516
00:25:55,920 --> 00:25:57,960
Speaker 3: are like, oh, I really want to be in, you know,

517
00:25:58,280 --> 00:26:00,639
Speaker 3: head of HR, but I I have no idea how

518
00:26:00,680 --> 00:26:02,320
Speaker 3: to get there. And it's like, well, go snoop all

519
00:26:02,359 --> 00:26:04,840
Speaker 3: of the heads of HR and see what their previous

520
00:26:04,960 --> 00:26:08,159
Speaker 3: jobs were. He's twenty twenty five. LinkedIn is free, and

521
00:26:08,240 --> 00:26:10,480
Speaker 3: the only thing you need to worry about when it

522
00:26:10,560 --> 00:26:13,600
Speaker 3: comes to LinkedIn is literally that they might see that

523
00:26:13,640 --> 00:26:15,600
Speaker 3: you were on their profile. And I don't even think

524
00:26:15,640 --> 00:26:18,000
Speaker 3: that's a bad thing, Like a baby lawyer was on

525
00:26:18,080 --> 00:26:18,760
Speaker 3: my profile.

526
00:26:19,200 --> 00:26:23,920
Speaker 2: Yeah great, I'm definitely going to be doing debt because

527
00:26:23,960 --> 00:26:27,080
Speaker 2: there wasn't actually something I've thought about dewa stork.

528
00:26:27,760 --> 00:26:30,960
Speaker 4: It's public information, it's actually market research.

529
00:26:31,200 --> 00:26:33,320
Speaker 2: All looks like I'll be doing that once I finished

530
00:26:33,359 --> 00:26:33,879
Speaker 2: work today.

531
00:26:34,520 --> 00:26:37,320
Speaker 3: Girl, I am sneaky, like I just don't take no

532
00:26:37,480 --> 00:26:39,440
Speaker 3: for an answer. So that's one of the things that

533
00:26:39,520 --> 00:26:42,280
Speaker 3: I've done. Also, I've looked at people who were previously

534
00:26:42,400 --> 00:26:44,560
Speaker 3: in jobs. If I wanted an in to the business,

535
00:26:44,600 --> 00:26:47,000
Speaker 3: and I'd be like, oh my goodness, like connect with them,

536
00:26:47,119 --> 00:26:49,600
Speaker 3: be like, hey, I really wanted an into this business.

537
00:26:49,640 --> 00:26:50,720
Speaker 4: I see that you used to work there.

538
00:26:50,760 --> 00:26:52,600
Speaker 3: Do you know anyone that's still there? And then they

539
00:26:52,680 --> 00:26:54,800
Speaker 3: might go, oh yeah, oh my god, like my friend

540
00:26:54,880 --> 00:26:57,000
Speaker 3: Shari is still there. Let me introduce you to her.

541
00:26:57,119 --> 00:26:59,080
Speaker 4: Wow, I've got a connection in the business. And I

542
00:26:59,160 --> 00:27:00,480
Speaker 4: didn't have to go through the front door.

543
00:27:00,680 --> 00:27:01,159
Speaker 2: I like that.

544
00:27:01,440 --> 00:27:03,480
Speaker 4: If there is a backdoor, I'm finding it.

545
00:27:04,240 --> 00:27:06,359
Speaker 2: I like that. Actually that's really handy.

546
00:27:06,920 --> 00:27:09,359
Speaker 3: I feel like when there is a will, there is

547
00:27:09,400 --> 00:27:11,320
Speaker 3: a way, and you've got to be a little bit sneaky,

548
00:27:11,560 --> 00:27:14,000
Speaker 3: and it turns out you don't just get paid for

549
00:27:14,080 --> 00:27:16,680
Speaker 3: being complacent. So if I want to work with the

550
00:27:16,720 --> 00:27:18,560
Speaker 3: brand or I want to work with the company, and

551
00:27:18,680 --> 00:27:20,520
Speaker 3: like going through the front door isn't working for me,

552
00:27:21,000 --> 00:27:21,800
Speaker 3: I will work it out.

553
00:27:21,960 --> 00:27:23,520
Speaker 4: That is fine. How do you think I got the

554
00:27:23,520 --> 00:27:24,880
Speaker 4: Prime Minister on my podcast?

555
00:27:25,000 --> 00:27:25,240
Speaker 2: Babe?

556
00:27:25,680 --> 00:27:26,920
Speaker 4: You think we went the koshaway?

557
00:27:27,240 --> 00:27:27,280
Speaker 2: No?

558
00:27:27,920 --> 00:27:29,719
Speaker 4: I don't, No, No, where there is a will, there

559
00:27:29,800 --> 00:27:32,040
Speaker 4: is a way anyway. Back to your story.

560
00:27:33,320 --> 00:27:35,200
Speaker 3: You want to be a judge, which is really exciting,

561
00:27:35,400 --> 00:27:38,320
Speaker 3: and you don't really have like solid financial goals for

562
00:27:38,400 --> 00:27:40,240
Speaker 3: your career, but what about your life? What are the

563
00:27:40,280 --> 00:27:42,400
Speaker 3: big money goals you're currently working towards.

564
00:27:42,840 --> 00:27:48,440
Speaker 2: So my short medium term would be paying off my

565
00:27:48,600 --> 00:27:52,679
Speaker 2: car low and my partner apparently wants to look at

566
00:27:52,800 --> 00:27:57,280
Speaker 2: buying a house this year, so probably think about coming

567
00:27:57,359 --> 00:28:01,680
Speaker 2: round to that decision and hea more in depth conversations

568
00:28:01,720 --> 00:28:05,080
Speaker 2: about that. I'd also like to travel more. I've spent

569
00:28:05,080 --> 00:28:08,840
Speaker 2: in the last eight years of my life stuck in Uni.

570
00:28:09,520 --> 00:28:11,719
Speaker 2: I'd like to experience the world a little bit.

571
00:28:12,800 --> 00:28:14,640
Speaker 4: I love that. Tell me. I want to know about

572
00:28:14,680 --> 00:28:16,600
Speaker 4: your partner. What does he do and how much does

573
00:28:16,680 --> 00:28:17,120
Speaker 4: he earn?

574
00:28:17,400 --> 00:28:18,840
Speaker 2: He works in civil construction.

575
00:28:19,480 --> 00:28:20,840
Speaker 4: Okay, that sounds kind of sexy.

576
00:28:21,119 --> 00:28:24,080
Speaker 2: Hey, drive staggers for fun, so he gets to be

577
00:28:24,160 --> 00:28:26,680
Speaker 2: a little boy and a big boy's body all the time.

578
00:28:27,200 --> 00:28:29,959
Speaker 4: Perfect. My son would be very envious.

579
00:28:30,640 --> 00:28:34,000
Speaker 2: Yes, Iver Hin Harvey would love the diggers.

580
00:28:34,200 --> 00:28:34,680
Speaker 4: Every time.

581
00:28:34,760 --> 00:28:38,320
Speaker 3: Every time we see a truck truck truck Yeah, yeah, yeah,

582
00:28:38,360 --> 00:28:40,240
Speaker 3: you're right, we can look at it for ten minutes,

583
00:28:40,280 --> 00:28:40,840
Speaker 3: can we go now?

584
00:28:42,360 --> 00:28:47,400
Speaker 2: Yeah? And he earns, so he's variable because of it's

585
00:28:47,760 --> 00:28:50,720
Speaker 2: very weather based. But I think we worked it out

586
00:28:50,800 --> 00:28:54,200
Speaker 2: that it's seventy to eighty thousands a year is what

587
00:28:54,280 --> 00:28:57,440
Speaker 2: he's on at the moment. He's potentially moving up to

588
00:28:57,480 --> 00:29:00,800
Speaker 2: a more managerial role in the next months, which is

589
00:29:01,080 --> 00:29:03,800
Speaker 2: really really exciting considering he's only been there less than

590
00:29:03,880 --> 00:29:05,360
Speaker 2: six months already. Yeah.

591
00:29:05,440 --> 00:29:07,280
Speaker 3: Perfect, Now, tell me a little bit more about this

592
00:29:07,400 --> 00:29:11,120
Speaker 3: goal of purchasing a home, because if you're on a

593
00:29:11,240 --> 00:29:13,760
Speaker 3: sixty thousand dollars plus Kiwi Saver and then your partner

594
00:29:13,800 --> 00:29:17,520
Speaker 3: earns between seventy to eighty, like, how realistic is home

595
00:29:17,680 --> 00:29:19,800
Speaker 3: ownership for you in New Zealand. I don't know as

596
00:29:19,880 --> 00:29:22,480
Speaker 3: much about the New Zealand market as I know about

597
00:29:22,520 --> 00:29:23,600
Speaker 3: the Australian market.

598
00:29:24,240 --> 00:29:28,640
Speaker 2: So my partner's got a decent chunk in his Kiwi

599
00:29:28,720 --> 00:29:32,120
Speaker 2: Save because he's been working since he was siventay.

600
00:29:32,440 --> 00:29:34,840
Speaker 4: And for context, for those of you listening along in

601
00:29:35,040 --> 00:29:37,920
Speaker 4: New Zealand, your Kiwi Saver is your retirement saver, but

602
00:29:38,000 --> 00:29:40,600
Speaker 4: you're allowed to access the cash that's in it for

603
00:29:40,680 --> 00:29:43,720
Speaker 4: your first home deposit, So like, is that what you've

604
00:29:43,760 --> 00:29:46,160
Speaker 4: been kind of using them for along the way?

605
00:29:46,640 --> 00:29:50,640
Speaker 2: Yeah, So I don't have a lot in my KIV

606
00:29:50,840 --> 00:29:54,680
Speaker 2: Saber because I needed a surgery that I didn't qualify

607
00:29:54,760 --> 00:29:59,000
Speaker 2: for publicly. So I took money out from my kV

608
00:29:59,120 --> 00:30:01,920
Speaker 2: sab to get that, but I do plan on paying

609
00:30:02,000 --> 00:30:06,440
Speaker 2: that back because compound interests and all of that course

610
00:30:06,640 --> 00:30:10,120
Speaker 2: fun stuff that I'm currently listening out on. So we

611
00:30:10,280 --> 00:30:13,920
Speaker 2: will be looking at that, and we're looking at buying

612
00:30:14,880 --> 00:30:20,040
Speaker 2: slightly out of christ Church where the houses seem to

613
00:30:20,120 --> 00:30:26,040
Speaker 2: be more manageable and potentially closer to our reach than

614
00:30:26,520 --> 00:30:28,120
Speaker 2: what buying in christ Church would be.

615
00:30:28,560 --> 00:30:29,360
Speaker 4: Yeah, no, that's fair.

616
00:30:29,440 --> 00:30:32,600
Speaker 3: I'm just interested about your country's market and what that

617
00:30:32,760 --> 00:30:37,400
Speaker 3: looks like and how that would work, and then show Yeah,

618
00:30:37,520 --> 00:30:41,440
Speaker 3: I don't have like New Zealand clients, but like I

619
00:30:41,560 --> 00:30:44,280
Speaker 3: do snoop things and a lot of our KeyWe pals

620
00:30:44,360 --> 00:30:47,520
Speaker 3: ask us a lot of questions about the home buying journey,

621
00:30:47,760 --> 00:30:52,560
Speaker 3: and yours is honestly like your housing prices are astronomical

622
00:30:52,760 --> 00:30:55,120
Speaker 3: at the moment, Like it's actually wild thinking.

623
00:30:55,240 --> 00:30:56,720
Speaker 4: And that's why I was like, is this reasonable? Is

624
00:30:56,760 --> 00:30:58,640
Speaker 4: this logical? Like, I don't know, you're the one that

625
00:30:58,760 --> 00:30:59,719
Speaker 4: might have done the numbers.

626
00:31:00,200 --> 00:31:03,760
Speaker 2: I personally want him to pay off all of his

627
00:31:04,000 --> 00:31:08,880
Speaker 2: dick first before we talk about going into home ownership,

628
00:31:09,160 --> 00:31:13,320
Speaker 2: just because I have heard horror stories of people getting

629
00:31:13,360 --> 00:31:16,080
Speaker 2: to the final stick and the banks like you've still

630
00:31:16,120 --> 00:31:16,840
Speaker 2: got the line. No.

631
00:31:17,240 --> 00:31:19,400
Speaker 3: And that's why I think that even in New Zealand,

632
00:31:19,440 --> 00:31:21,560
Speaker 3: you should be talking to a broker now, so like,

633
00:31:21,800 --> 00:31:24,840
Speaker 3: not necessarily just assuming, but if you're like, oh maybe

634
00:31:24,880 --> 00:31:26,600
Speaker 3: we will maybe we won't, go and talk to a

635
00:31:26,640 --> 00:31:28,640
Speaker 3: broker and be like, what would it take to get

636
00:31:28,720 --> 00:31:30,600
Speaker 3: us into home ownership and they can maybe give you

637
00:31:30,640 --> 00:31:32,480
Speaker 3: a plan, because they might say, you actually need to

638
00:31:32,480 --> 00:31:34,440
Speaker 3: smash down all of this debt and have this amount

639
00:31:34,520 --> 00:31:37,000
Speaker 3: saved and we can take XYZ from your Keywi saver,

640
00:31:37,120 --> 00:31:38,840
Speaker 3: but you're going to need this amount of cash to

641
00:31:38,880 --> 00:31:41,400
Speaker 3: top it up and that would get you a boring

642
00:31:41,440 --> 00:31:43,800
Speaker 3: capacity of five hundred thousand dollars or whatever it is.

643
00:31:43,960 --> 00:31:48,080
Speaker 3: So get your little plan together, Go ask questions, go, go, go,

644
00:31:48,360 --> 00:31:50,440
Speaker 3: because then they will tell you and then you can

645
00:31:50,520 --> 00:31:52,760
Speaker 3: make a plan and then you're not married to this

646
00:31:52,920 --> 00:31:55,240
Speaker 3: idea of oh we might buy next year, and it

647
00:31:55,280 --> 00:31:58,560
Speaker 3: would be so flipping heartbreaking if you're like, we've been

648
00:31:58,560 --> 00:32:01,000
Speaker 3: working towards it really hard and then next year you're like,

649
00:32:01,200 --> 00:32:03,320
Speaker 3: let's buy and a broker's like, no, it's going to

650
00:32:03,400 --> 00:32:04,000
Speaker 3: take you years.

651
00:32:04,480 --> 00:32:07,560
Speaker 2: No, don't do that. I have told him that f

652
00:32:07,640 --> 00:32:10,200
Speaker 2: he is serious about wanting to buy a house, we

653
00:32:10,320 --> 00:32:13,239
Speaker 2: need to go talk to a broker exactly. But I mean,

654
00:32:13,600 --> 00:32:15,240
Speaker 2: he doesn't want to listen to me at the moment.

655
00:32:15,320 --> 00:32:17,160
Speaker 4: So I'm like, okay, well we're not buying a house.

656
00:32:17,240 --> 00:32:20,560
Speaker 4: Buy that's fair. That's absolutely fair.

657
00:32:21,040 --> 00:32:24,240
Speaker 3: Apart from like buying a house and traveling more. Was

658
00:32:24,240 --> 00:32:26,040
Speaker 3: there anything else that you would add to that when

659
00:32:26,080 --> 00:32:26,920
Speaker 3: it comes to money.

660
00:32:26,720 --> 00:32:29,480
Speaker 2: Goals, probably paying off my car loan? Yeah?

661
00:32:29,560 --> 00:32:31,800
Speaker 3: Yeah, I feel like that's a really good one, especially

662
00:32:31,920 --> 00:32:34,920
Speaker 3: before property ownership. All right, let's take a really quick

663
00:32:34,960 --> 00:32:36,840
Speaker 3: break because on the flip side, I want to ask

664
00:32:36,920 --> 00:32:39,400
Speaker 3: a little bit more about investments. I want to know

665
00:32:39,520 --> 00:32:42,120
Speaker 3: a little bit more about this car loan. I need

666
00:32:42,200 --> 00:32:44,480
Speaker 3: to be really pervy and then what your best and

667
00:32:44,640 --> 00:32:51,719
Speaker 3: worst money habits are. So guys don't go anywhere, all right,

668
00:32:51,760 --> 00:32:53,600
Speaker 3: money direst We are back, and I want to dive

669
00:32:53,720 --> 00:32:57,720
Speaker 3: straight into talking about investment, as you guys know wildly

670
00:32:57,800 --> 00:33:00,520
Speaker 3: passionate about that. So I want to know money, darist,

671
00:33:01,040 --> 00:33:02,680
Speaker 3: if you invest what do you invest in?

672
00:33:02,840 --> 00:33:04,440
Speaker 4: If not, why not? What's going on?

673
00:33:04,880 --> 00:33:08,360
Speaker 2: So I have Kiwi savor and I wrote down the

674
00:33:08,440 --> 00:33:12,680
Speaker 2: specific numbers because thank you for coming prepared. I know

675
00:33:12,840 --> 00:33:16,200
Speaker 2: that my favorite money diaries are when they give the

676
00:33:16,280 --> 00:33:17,400
Speaker 2: numbers and I'm like, oh.

677
00:33:17,760 --> 00:33:20,320
Speaker 3: Yeah, but I never press it. I'm always like, whatever

678
00:33:20,360 --> 00:33:23,080
Speaker 3: you're comfortable with, I will take. If you want to

679
00:33:23,120 --> 00:33:26,360
Speaker 3: trash your ex partner, I will take that. If you

680
00:33:26,400 --> 00:33:28,840
Speaker 3: want to give me specific numbers, I'll also take that.

681
00:33:29,880 --> 00:33:33,080
Speaker 2: My keyw WE saver is currently sitting at thirteen one

682
00:33:33,200 --> 00:33:37,840
Speaker 2: hundred and fifteen dollars. I took eight grand out of

683
00:33:37,920 --> 00:33:41,720
Speaker 2: it for my con selectomy and I am planning on

684
00:33:41,840 --> 00:33:44,880
Speaker 2: paying that back once my Carlow has paid back. I

685
00:33:45,640 --> 00:33:51,320
Speaker 2: also have invested in shares and I have one thousand,

686
00:33:51,360 --> 00:33:53,640
Speaker 2: two hundred and ninety one dollars and seventy one seeds

687
00:33:53,960 --> 00:33:58,960
Speaker 2: and at the moment, and I started a majority of

688
00:33:59,120 --> 00:34:01,840
Speaker 2: that probably since I started listening to She's on the Money,

689
00:34:02,280 --> 00:34:06,360
Speaker 2: Oh yay. And I have a regular fifty dollar Fortnite

690
00:34:06,520 --> 00:34:10,040
Speaker 2: investment that goes into it. I have one of the

691
00:34:10,120 --> 00:34:14,440
Speaker 2: automated profiles that shares is have on a fortnightly rotation,

692
00:34:15,000 --> 00:34:18,480
Speaker 2: and then I have ten dollars of punt money, so

693
00:34:18,600 --> 00:34:21,399
Speaker 2: I just chuck that on a random share that I've

694
00:34:21,440 --> 00:34:23,120
Speaker 2: got that's going well at the moment.

695
00:34:23,360 --> 00:34:26,480
Speaker 4: That's fun, especially if it keeps you engaged in investing.

696
00:34:27,040 --> 00:34:30,040
Speaker 2: So it's automated, but I also get that ten dollars

697
00:34:30,120 --> 00:34:32,799
Speaker 2: of fun money where my brain is like, oh, I'm

698
00:34:32,840 --> 00:34:35,960
Speaker 2: spending money, but I'm actually getting dividends for it.

699
00:34:36,320 --> 00:34:39,480
Speaker 3: Yeah money when we're like also investing for our future

700
00:34:39,600 --> 00:34:41,760
Speaker 3: and that's a lot of fun. Is that ten dollars

701
00:34:41,800 --> 00:34:42,799
Speaker 3: per fortnite as well?

702
00:34:43,400 --> 00:34:47,800
Speaker 2: Yes? Yeah, so it's forty dollars gets automatically invested and

703
00:34:47,880 --> 00:34:50,400
Speaker 2: then the ten dollars a fortnight for fun money.

704
00:34:50,680 --> 00:34:54,040
Speaker 3: And and talk to me about how your key receaver

705
00:34:54,400 --> 00:34:58,800
Speaker 3: is constructed. So you guys don't have as structured of

706
00:34:58,880 --> 00:35:02,560
Speaker 3: a system as we do in Australia with superannuation. What

707
00:35:02,719 --> 00:35:05,960
Speaker 3: does your Kiwi saver look like? How is it made up?

708
00:35:06,440 --> 00:35:10,919
Speaker 2: So my Keiwi savor is done through my bank, which

709
00:35:11,040 --> 00:35:13,759
Speaker 2: is one of the big four. I think it a

710
00:35:13,840 --> 00:35:19,040
Speaker 2: big And I am in the growth fund which is

711
00:35:19,160 --> 00:35:22,480
Speaker 2: known for high returns and large ups and downs and

712
00:35:22,600 --> 00:35:23,399
Speaker 2: value love.

713
00:35:23,480 --> 00:35:25,360
Speaker 4: And did you go in and change that or is

714
00:35:25,440 --> 00:35:28,239
Speaker 4: that a default? How did you get into a growth fund?

715
00:35:28,400 --> 00:35:34,400
Speaker 2: So I changed that. We had it was on the

716
00:35:34,520 --> 00:35:36,800
Speaker 2: one that was just slightly lower than that, but I

717
00:35:36,960 --> 00:35:40,600
Speaker 2: was like, I'm twenty seven, I've got time. I'll just

718
00:35:40,680 --> 00:35:43,719
Speaker 2: chuck it in. What's the worst that can happen? And

719
00:35:45,120 --> 00:35:49,520
Speaker 2: I contribute four percent, and my employer contributes as.

720
00:35:49,400 --> 00:35:52,440
Speaker 4: Well I do, And so what kind of percentage does

721
00:35:52,520 --> 00:35:53,839
Speaker 4: your employer contribute?

722
00:35:54,600 --> 00:35:59,680
Speaker 2: I don't actually know the proper percent of what they contribute,

723
00:35:59,719 --> 00:36:04,040
Speaker 2: but moment it's about fifty five dollars a fortnight from them.

724
00:36:04,960 --> 00:36:06,560
Speaker 4: Awesome, all right, talk to me.

725
00:36:06,719 --> 00:36:09,360
Speaker 3: Are there any other investments that we've skipped over that

726
00:36:09,440 --> 00:36:10,360
Speaker 3: we haven't discussed.

727
00:36:10,480 --> 00:36:12,799
Speaker 2: I have savings, but I don't know if you've really

728
00:36:12,840 --> 00:36:13,840
Speaker 2: classed them as.

729
00:36:13,840 --> 00:36:14,480
Speaker 4: I do want to know.

730
00:36:14,600 --> 00:36:16,440
Speaker 3: I was going to ask about debts and then savings,

731
00:36:16,520 --> 00:36:17,880
Speaker 3: but I want to know what is what's in your

732
00:36:17,920 --> 00:36:20,240
Speaker 3: savings account and my emergency account.

733
00:36:20,719 --> 00:36:24,920
Speaker 2: I have one thousand dollars sitting in a term deposit,

734
00:36:25,640 --> 00:36:28,800
Speaker 2: I have eight hundred and sixty one dollars at my

735
00:36:28,880 --> 00:36:32,360
Speaker 2: emergency front, and then I've probably got two three hundred

736
00:36:32,400 --> 00:36:37,560
Speaker 2: dollars sprinkled between the short term savings accounts that I've got.

737
00:36:38,000 --> 00:36:40,840
Speaker 4: And why have you got so many different savings accounts?

738
00:36:41,239 --> 00:36:43,680
Speaker 3: Because before you were like, oh, you know, we've got

739
00:36:43,760 --> 00:36:45,640
Speaker 3: these goals of maybe buying a house and stuff. Are

740
00:36:45,640 --> 00:36:47,880
Speaker 3: they specific savings goals for that or are they just

741
00:36:48,000 --> 00:36:48,680
Speaker 3: random accounts?

742
00:36:48,719 --> 00:36:50,120
Speaker 4: How have you structured your bank.

743
00:36:50,360 --> 00:36:54,560
Speaker 2: So much like what is set out in the shees

744
00:36:54,600 --> 00:36:57,640
Speaker 2: on the money Book. I've got a fund for my

745
00:36:58,040 --> 00:37:02,040
Speaker 2: car account, so ensuring Rejoe, this, that and the next thing.

746
00:37:02,560 --> 00:37:06,840
Speaker 2: I've got a travel account, I've got short term whatever,

747
00:37:07,480 --> 00:37:10,840
Speaker 2: I've got a medium term, and I've got my long.

748
00:37:10,800 --> 00:37:15,279
Speaker 3: Term perfect love. Now talk to me about debt. So

749
00:37:15,400 --> 00:37:17,799
Speaker 3: you mentioned earlier in the episode, I have a car loan.

750
00:37:17,920 --> 00:37:20,319
Speaker 3: I want to know what's your car, what's the debt?

751
00:37:20,440 --> 00:37:22,399
Speaker 3: How did it work? How did we get into having

752
00:37:22,440 --> 00:37:22,960
Speaker 3: a car loan?

753
00:37:23,360 --> 00:37:27,719
Speaker 2: So my car is a twenty fifteen mester Excelo. I

754
00:37:27,920 --> 00:37:30,839
Speaker 2: have nine four hundred and eighty dollars and eighty one

755
00:37:30,960 --> 00:37:36,160
Speaker 2: cents left on the car loan. I got the car

756
00:37:36,280 --> 00:37:41,880
Speaker 2: loan because I was driving a Corolla, but I was

757
00:37:41,960 --> 00:37:46,840
Speaker 2: also driving a significant distance weekly, so I needed a

758
00:37:46,920 --> 00:37:50,120
Speaker 2: newer car that I knew wasn't going to break down

759
00:37:50,160 --> 00:37:52,719
Speaker 2: on me. I got the car loan. I knew that

760
00:37:53,400 --> 00:37:58,520
Speaker 2: I'd be able to service it without putting myself into detriment.

761
00:37:59,000 --> 00:38:02,640
Speaker 2: And I just got it because it's a new car,

762
00:38:02,760 --> 00:38:04,440
Speaker 2: it's only ten years old. I'm going to have it

763
00:38:04,560 --> 00:38:08,480
Speaker 2: for the next hopefully ten plus years. And yeah, it

764
00:38:08,640 --> 00:38:12,040
Speaker 2: just the car loan seemed to be the best option

765
00:38:12,160 --> 00:38:12,839
Speaker 2: for me at the time.

766
00:38:13,000 --> 00:38:14,600
Speaker 3: So the thing is, I think people think I'm like

767
00:38:14,719 --> 00:38:18,000
Speaker 3: real negative on car loans, and yes, I do classify

768
00:38:18,120 --> 00:38:21,000
Speaker 3: them as bad debt. But then when we get into

769
00:38:21,040 --> 00:38:23,279
Speaker 3: our situation, some of us we just need a car loan,

770
00:38:23,480 --> 00:38:25,800
Speaker 3: like we just we do not have the cash to

771
00:38:25,880 --> 00:38:29,480
Speaker 3: go and buy a whole use car outright, like I'm

772
00:38:29,560 --> 00:38:32,840
Speaker 3: not delusional. But what we then need to do is, Okay,

773
00:38:33,040 --> 00:38:35,200
Speaker 3: what is the best situation we can put ourselves in

774
00:38:35,360 --> 00:38:37,480
Speaker 3: for this? And it sounds like you've been really reasonable

775
00:38:37,520 --> 00:38:40,360
Speaker 3: with purchasing a car. What was the purchase price of

776
00:38:40,400 --> 00:38:43,440
Speaker 3: the car if you now own nine four hundred ish dollars,

777
00:38:43,960 --> 00:38:44,600
Speaker 3: so it.

778
00:38:44,719 --> 00:38:49,200
Speaker 2: Was eleven thousand dollars. I sold my Corolla and I

779
00:38:49,320 --> 00:38:53,120
Speaker 2: put one thousand dollars. I transferred them a thousand dollars,

780
00:38:53,160 --> 00:38:55,759
Speaker 2: so I got a ten thousand dollar loan and I

781
00:38:55,880 --> 00:38:58,840
Speaker 2: pay that back fortnightly at one hundred and thirty dollars

782
00:38:58,880 --> 00:39:03,319
Speaker 2: a fortnight. That is going to increase in two weeks

783
00:39:03,400 --> 00:39:04,560
Speaker 2: time because.

784
00:39:04,719 --> 00:39:05,720
Speaker 4: New job, new income.

785
00:39:05,960 --> 00:39:09,080
Speaker 2: Yeah, a new job, more money. And then by that

786
00:39:09,239 --> 00:39:11,960
Speaker 2: point as well, I've got the amount that I want

787
00:39:12,000 --> 00:39:14,800
Speaker 2: in my emergency fund, so I can divert that money

788
00:39:15,080 --> 00:39:17,960
Speaker 2: to the car loan. Get that done. That money can

789
00:39:18,000 --> 00:39:21,239
Speaker 2: then go back to the emergency fund, but that up

790
00:39:21,320 --> 00:39:24,719
Speaker 2: to the two cade mark that I want, and then

791
00:39:25,239 --> 00:39:25,799
Speaker 2: go from there.

792
00:39:26,360 --> 00:39:28,239
Speaker 4: So tell me, do you know the interest rate on

793
00:39:28,320 --> 00:39:28,879
Speaker 4: your car loan?

794
00:39:29,320 --> 00:39:32,520
Speaker 2: Thirteen point sixty five percent? And I got a discount

795
00:39:32,600 --> 00:39:34,440
Speaker 2: on it because I'm a member with the Law Society.

796
00:39:34,800 --> 00:39:37,879
Speaker 4: I love that. Look at her go She's like, actually, yes,

797
00:39:38,040 --> 00:39:41,320
Speaker 4: sit down, Victoria and talk to me. What's the structure

798
00:39:41,400 --> 00:39:42,360
Speaker 4: of that loan? Look like?

799
00:39:42,560 --> 00:39:45,120
Speaker 3: So, is that one thirty per fortnite going to pay

800
00:39:45,160 --> 00:39:47,319
Speaker 3: off the entire car? Will you get three years into

801
00:39:47,360 --> 00:39:50,080
Speaker 3: the loan and have a balloon repayment? How's that going

802
00:39:50,120 --> 00:39:50,399
Speaker 3: to work?

803
00:39:50,680 --> 00:39:54,359
Speaker 2: So that'll just pay the car off completely in how long?

804
00:39:54,680 --> 00:39:56,640
Speaker 2: I think it's four years, but I plan on having

805
00:39:56,680 --> 00:39:59,080
Speaker 2: it paid off by the end of next year, pending

806
00:39:59,200 --> 00:40:02,239
Speaker 2: my funny working the way I want it to.

807
00:40:03,280 --> 00:40:05,239
Speaker 3: No, I like it, And you said something before that

808
00:40:05,320 --> 00:40:07,480
Speaker 3: I think is also really important because I think so

809
00:40:07,560 --> 00:40:09,320
Speaker 3: many of us get hung up on debt reduction.

810
00:40:09,680 --> 00:40:13,080
Speaker 4: And yes, debt reduction is so flipping important. Get out

811
00:40:13,080 --> 00:40:14,640
Speaker 4: of debt. The sooner you get out of debt, the

812
00:40:14,719 --> 00:40:15,600
Speaker 4: sooner you can thrive.

813
00:40:15,920 --> 00:40:18,839
Speaker 3: But I also want you to have an emergency fund

814
00:40:18,960 --> 00:40:21,440
Speaker 3: because if you don't have an emergency fund and something happens,

815
00:40:21,719 --> 00:40:23,759
Speaker 3: we get into more debt and then we create our

816
00:40:23,800 --> 00:40:26,800
Speaker 3: own cycle, and that's really bad. So the idea that

817
00:40:26,960 --> 00:40:29,879
Speaker 3: you are really prioritizing your emergency fund. Yeah, you're paying

818
00:40:29,920 --> 00:40:31,920
Speaker 3: your minimum repayments, but you're gonna bump that up. Like,

819
00:40:32,360 --> 00:40:34,960
Speaker 3: I just think you've got so much strategy. Like I'm

820
00:40:35,080 --> 00:40:37,440
Speaker 3: just like, oh, she does know, Oh what's your interest rate?

821
00:40:37,520 --> 00:40:40,160
Speaker 3: Oh yeah, okay, Like this girl is switched on.

822
00:40:41,200 --> 00:40:45,400
Speaker 2: I combined quite a lot of so I follow a

823
00:40:45,520 --> 00:40:51,360
Speaker 2: reasonable amount of financial people, and I combine bits and

824
00:40:51,440 --> 00:40:54,279
Speaker 2: pieces from each of them. So I've got the Dave

825
00:40:54,440 --> 00:40:58,400
Speaker 2: Ramsey thousand dollars emergency funds being going to the debt reduction.

826
00:40:58,600 --> 00:41:01,160
Speaker 3: Yeah, I don't like Dave Ramsey, not gonna lie. There's

827
00:41:01,160 --> 00:41:04,040
Speaker 3: a bit anyway. We can talk about that one off air.

828
00:41:06,040 --> 00:41:09,640
Speaker 2: But the whole one thousand reduction and then go back

829
00:41:09,719 --> 00:41:10,919
Speaker 2: to the emergency fund.

830
00:41:10,960 --> 00:41:14,239
Speaker 3: That's got the theory is solid. His attitude is not goodbye. No,

831
00:41:15,200 --> 00:41:18,160
Speaker 3: this is just for context. If anybody's like, what's Victoria

832
00:41:18,280 --> 00:41:21,319
Speaker 3: talking about, look up Dave Ramsey on TikTok and see

833
00:41:21,440 --> 00:41:24,000
Speaker 3: all of the content that gets created about him. He's

834
00:41:24,000 --> 00:41:26,160
Speaker 3: the same person that says that people who are in

835
00:41:26,280 --> 00:41:29,080
Speaker 3: debt do not deserve to eat at restaurants and I.

836
00:41:29,200 --> 00:41:33,439
Speaker 4: Just sorry, sorry, get off your high horse. He also

837
00:41:33,560 --> 00:41:36,440
Speaker 4: forces his religious beliefs on his team members, which I

838
00:41:36,520 --> 00:41:37,400
Speaker 4: think is insane.

839
00:41:37,760 --> 00:41:38,520
Speaker 2: I didn't know that.

840
00:41:39,040 --> 00:41:41,680
Speaker 3: Oh gol, I'm going to blow your dams up after this.

841
00:41:41,880 --> 00:41:44,680
Speaker 3: So is his financial advice at the end of the

842
00:41:44,760 --> 00:41:45,839
Speaker 3: day a terrible thing?

843
00:41:46,080 --> 00:41:46,640
Speaker 2: No, you know what.

844
00:41:46,760 --> 00:41:48,839
Speaker 3: He gets lots and lots and lots of people out

845
00:41:48,880 --> 00:41:51,120
Speaker 3: of debt every day. But the way that he often

846
00:41:51,280 --> 00:41:54,360
Speaker 3: drives that is through shame, and I think that is abysmal.

847
00:41:54,640 --> 00:41:57,279
Speaker 2: Yeah. No, you shouldn't be shamed for that kind of thing.

848
00:41:57,600 --> 00:42:01,080
Speaker 4: Absolutely not, like, sorry, you're doing the right thing.

849
00:42:01,239 --> 00:42:04,080
Speaker 3: Like if you were on Dave Ramsey's show, he would say, right, well,

850
00:42:04,120 --> 00:42:06,040
Speaker 3: you can't have a life until your car Loan scorn,

851
00:42:06,360 --> 00:42:10,840
Speaker 3: Like that's embarrassing, that's disappointing, Like he would slam you

852
00:42:11,440 --> 00:42:13,960
Speaker 3: for no good reason, And how does that help anybody?

853
00:42:14,440 --> 00:42:16,560
Speaker 2: No, No, it doesn't help anybody at the end of

854
00:42:16,600 --> 00:42:17,480
Speaker 2: the day anyway.

855
00:42:17,680 --> 00:42:18,880
Speaker 4: Sorry, who else do you follow?

856
00:42:20,200 --> 00:42:24,080
Speaker 2: I follow you, I follow Sammaron. I'm going to pronounce

857
00:42:24,080 --> 00:42:30,160
Speaker 2: the last time role no budget babe. She's an American base.

858
00:42:30,440 --> 00:42:33,480
Speaker 4: Oh she's cool. Yeah, I love I love everybody else.

859
00:42:33,560 --> 00:42:34,359
Speaker 4: You can keep all them.

860
00:42:35,360 --> 00:42:37,479
Speaker 2: She's no shit and I love her. Yeah.

861
00:42:37,840 --> 00:42:40,239
Speaker 4: Yeah, she's very direct. I really love that too.

862
00:42:40,320 --> 00:42:42,920
Speaker 3: And I love talking about these other people, not because

863
00:42:42,960 --> 00:42:45,600
Speaker 3: I like to slam Dave Ramsey, but because other people

864
00:42:45,680 --> 00:42:47,439
Speaker 3: might listen to this podcast and be like, oh, there's

865
00:42:47,480 --> 00:42:49,279
Speaker 3: more people out there that I could engage with this

866
00:42:49,400 --> 00:42:50,960
Speaker 3: type of content with, Like I am.

867
00:42:51,000 --> 00:42:52,040
Speaker 4: Not trying to gatekeep.

868
00:42:52,520 --> 00:42:55,080
Speaker 3: Like, there are so many finance content creators out there,

869
00:42:55,120 --> 00:42:57,080
Speaker 3: and I actually want you guys to follow heaps of

870
00:42:57,160 --> 00:42:59,879
Speaker 3: them because I want you to consistently be thinking about

871
00:43:00,000 --> 00:43:02,640
Speaker 3: there's stuff and taking everybody's advice with a grain of

872
00:43:02,680 --> 00:43:04,960
Speaker 3: salt and working out what works best for you, not

873
00:43:05,120 --> 00:43:06,760
Speaker 3: what Victoria Devine just thinks.

874
00:43:07,320 --> 00:43:10,080
Speaker 4: Yes, because I can be idiot too, so you know

875
00:43:10,160 --> 00:43:10,799
Speaker 4: how it goes.

876
00:43:11,320 --> 00:43:14,680
Speaker 2: Get the whole range of advice from here, there and everywhere.

877
00:43:14,719 --> 00:43:15,600
Speaker 2: Which is pretty cool.

878
00:43:15,680 --> 00:43:17,520
Speaker 4: All right, Do you have any other debts?

879
00:43:17,880 --> 00:43:20,759
Speaker 2: I have my student loan which is currently sitting at

880
00:43:21,640 --> 00:43:24,840
Speaker 2: one hundred and five thousand and sixty nine dollars in.

881
00:43:24,880 --> 00:43:29,320
Speaker 4: Ten Zis that's really sexy or it hurts?

882
00:43:30,280 --> 00:43:30,560
Speaker 2: You know what?

883
00:43:30,760 --> 00:43:31,480
Speaker 4: Really relatable?

884
00:43:31,520 --> 00:43:31,680
Speaker 1: Though?

885
00:43:31,760 --> 00:43:33,920
Speaker 4: Given you have a very very good.

886
00:43:33,880 --> 00:43:37,480
Speaker 3: Higher education, How does student loan debt work for you?

887
00:43:37,680 --> 00:43:40,080
Speaker 3: Do you pay an interest rate? What does that look

888
00:43:40,200 --> 00:43:41,040
Speaker 3: like in your country?

889
00:43:41,400 --> 00:43:45,000
Speaker 2: So it's interest free while you're in New Zealand, but

890
00:43:45,160 --> 00:43:48,920
Speaker 2: if you go overseas and you've got to pay interest

891
00:43:49,040 --> 00:43:52,759
Speaker 2: on it, I'm not entirely sure how much the interest is.

892
00:43:53,280 --> 00:43:54,200
Speaker 4: Don't leave the country.

893
00:43:54,400 --> 00:43:57,919
Speaker 2: I don't know, not at least until it's probably below

894
00:43:58,000 --> 00:43:58,920
Speaker 2: fifty thousand dollars.

895
00:44:00,000 --> 00:44:03,200
Speaker 3: Now, I heard before, at the very start of the

896
00:44:03,239 --> 00:44:06,319
Speaker 3: episode you said I was dancing in the car park

897
00:44:06,400 --> 00:44:09,880
Speaker 3: in my Valentino rockstar shoes and I thought, you're a queen.

898
00:44:10,040 --> 00:44:12,480
Speaker 3: I'm a shoe queen too. I get it, but I

899
00:44:12,640 --> 00:44:16,160
Speaker 3: also need to know how do you save and spend

900
00:44:16,440 --> 00:44:19,680
Speaker 3: on arguably a sixteen hundred dollars pair of shoes. I

901
00:44:19,760 --> 00:44:22,279
Speaker 3: feel like you might be a little bit savvy, so

902
00:44:22,400 --> 00:44:24,360
Speaker 3: I need to do you have any good money tips.

903
00:44:24,440 --> 00:44:25,399
Speaker 3: What's your best money habit?

904
00:44:25,760 --> 00:44:30,239
Speaker 2: Probably the way I shop the groceries. So at the

905
00:44:30,360 --> 00:44:34,320
Speaker 2: moment where I live, so I live in two different places.

906
00:44:34,440 --> 00:44:37,279
Speaker 2: I go back to christ Hitch on the weekends, I

907
00:44:37,600 --> 00:44:40,560
Speaker 2: have pack and save New World countdown in the warehouse,

908
00:44:40,800 --> 00:44:43,240
Speaker 2: all within walking distance, or I drive past.

909
00:44:43,480 --> 00:44:44,279
Speaker 4: Oh money win.

910
00:44:44,760 --> 00:44:44,960
Speaker 3: Yeah.

911
00:44:45,480 --> 00:44:48,480
Speaker 2: I have a spreadsheet where I've got my grocery list

912
00:44:48,600 --> 00:44:52,800
Speaker 2: on one side and the shops on the other, and

913
00:44:53,200 --> 00:44:57,560
Speaker 2: I will spend twenty minutes. I'll go through each website

914
00:44:57,640 --> 00:45:00,480
Speaker 2: and then I'll look at whatever's cheapest, and then I'll

915
00:45:00,480 --> 00:45:04,759
Speaker 2: be like, right, I'm going to peck and save for this.

916
00:45:05,000 --> 00:45:06,600
Speaker 2: I'm going to count down for this. It's in the

917
00:45:06,640 --> 00:45:10,120
Speaker 2: warehouse for this. My partner hates it, but I love it.

918
00:45:11,160 --> 00:45:14,600
Speaker 3: I'm sorry, but you're saving money, Like that's smart and

919
00:45:14,680 --> 00:45:16,480
Speaker 3: if you've got the time and you enjoy doing it,

920
00:45:16,840 --> 00:45:18,239
Speaker 3: that's a great way to do it.

921
00:45:18,520 --> 00:45:22,480
Speaker 2: I've said twenty thirty dollars on groceries before, Oh.

922
00:45:22,400 --> 00:45:23,960
Speaker 4: My god, I'm obsessed.

923
00:45:24,080 --> 00:45:26,520
Speaker 3: And every single week you're like making the time to

924
00:45:26,600 --> 00:45:29,759
Speaker 3: do that, the small things will add up. Like that's

925
00:45:29,760 --> 00:45:32,000
Speaker 3: where you're investing money is coming from. If you're saving

926
00:45:32,040 --> 00:45:34,000
Speaker 3: that per week, like girl, like no wonder you can

927
00:45:34,040 --> 00:45:36,399
Speaker 3: afford to invest and you know, save and pay off

928
00:45:36,400 --> 00:45:38,720
Speaker 3: your car loan and get everything done on a fifty

929
00:45:38,760 --> 00:45:41,200
Speaker 3: five thousand dollars income like you're getting it.

930
00:45:41,360 --> 00:45:41,960
Speaker 4: I love this.

931
00:45:43,040 --> 00:45:46,680
Speaker 2: Yeah, it's all about I don't say priorities, but it's

932
00:45:46,760 --> 00:45:49,800
Speaker 2: important to me and I want to hit the financial

933
00:45:49,920 --> 00:45:54,000
Speaker 2: freedom and I have proven time and time again, but

934
00:45:54,080 --> 00:45:56,640
Speaker 2: I can make a fortnight's worth of food from one

935
00:45:56,719 --> 00:45:57,279
Speaker 2: hundred bucks.

936
00:45:57,719 --> 00:46:00,920
Speaker 4: I am obsessed. Let's bring down the mood, though, what

937
00:46:01,000 --> 00:46:02,160
Speaker 4: do you think your worst money.

938
00:46:02,040 --> 00:46:05,080
Speaker 2: Have it is? I ask my partner this because he

939
00:46:05,680 --> 00:46:08,480
Speaker 2: says that he reckons that I made budget myself too.

940
00:46:08,960 --> 00:46:13,880
Speaker 2: Then so yeah, okay, over the week, everything's accounted for.

941
00:46:14,360 --> 00:46:19,239
Speaker 2: But come the weekend, if I want something, I don't

942
00:46:19,320 --> 00:46:21,880
Speaker 2: not have the money for it, but that money's already

943
00:46:21,920 --> 00:46:25,880
Speaker 2: accounted for. But that's also going to change with the

944
00:46:25,960 --> 00:46:29,719
Speaker 2: new job because I won't be trebling so much. I'm

945
00:46:29,760 --> 00:46:32,720
Speaker 2: going to have that spare money that was already accounted

946
00:46:32,760 --> 00:46:33,320
Speaker 2: for forget.

947
00:46:33,560 --> 00:46:35,000
Speaker 4: Oh that's cool as well.

948
00:46:35,160 --> 00:46:37,640
Speaker 2: Yeah, so most of my expenses are being cut in

949
00:46:37,719 --> 00:46:41,200
Speaker 2: half of this new job, so that money's going to

950
00:46:41,239 --> 00:46:41,560
Speaker 2: be here.

951
00:46:42,000 --> 00:46:43,960
Speaker 3: So talk me through that because I think that's a

952
00:46:44,000 --> 00:46:46,160
Speaker 3: really important thing to discuss, because you're going from a

953
00:46:46,200 --> 00:46:48,680
Speaker 3: fifty five thousand dollars income to a sixty thousand dollar

954
00:46:48,760 --> 00:46:51,520
Speaker 3: income both a plus keywi saver, and a lot of

955
00:46:51,560 --> 00:46:53,960
Speaker 3: people will be like, oh, it's only five grand, but

956
00:46:54,080 --> 00:46:56,239
Speaker 3: did you go ahead and do like a budget and

957
00:46:56,400 --> 00:46:58,600
Speaker 3: work out you know, well, if I take this new job, yes,

958
00:46:58,640 --> 00:47:00,359
Speaker 3: I'm getting a pay rise, but I'm all also going

959
00:47:00,400 --> 00:47:02,040
Speaker 3: to save in all of these other areas, Like, have

960
00:47:02,120 --> 00:47:04,200
Speaker 3: you've done those financials so I.

961
00:47:04,320 --> 00:47:09,480
Speaker 2: Haven't gone down to the dollar yet because I'm you

962
00:47:09,680 --> 00:47:14,719
Speaker 2: sent me the key we say the calculated websites, they

963
00:47:14,760 --> 00:47:18,520
Speaker 2: were pretty on par. But I don't want to budget

964
00:47:18,600 --> 00:47:23,439
Speaker 2: and catch myself out, So I had that buffer where

965
00:47:24,520 --> 00:47:28,160
Speaker 2: my final paycheck from this job is going to be

966
00:47:28,920 --> 00:47:31,719
Speaker 2: the first week of my new job, so all of

967
00:47:31,800 --> 00:47:34,359
Speaker 2: my bells will be accounted for. Also, come the first

968
00:47:34,440 --> 00:47:37,120
Speaker 2: pay I'll be able to be like, Okay, cool, this

969
00:47:37,320 --> 00:47:40,560
Speaker 2: is what I'm looking at. But at the same time,

970
00:47:40,640 --> 00:47:43,279
Speaker 2: I'm also going from paying two lots of rent to

971
00:47:43,440 --> 00:47:48,120
Speaker 2: just one, to paying maybe one hundred bucks per Fortnite

972
00:47:48,520 --> 00:47:50,240
Speaker 2: forgets instead of two hundred dollars.

973
00:47:50,719 --> 00:47:52,439
Speaker 3: Tell me more about that, because you just said something

974
00:47:52,480 --> 00:47:54,160
Speaker 3: that I haven't picked up on before, and that was

975
00:47:54,200 --> 00:47:55,640
Speaker 3: that you're paying two lots of rent?

976
00:47:56,560 --> 00:47:57,319
Speaker 4: Why when? Where?

977
00:47:57,440 --> 00:47:57,600
Speaker 2: How?

978
00:47:57,760 --> 00:48:00,200
Speaker 3: I know that you're living between two places? But how

979
00:48:00,320 --> 00:48:02,160
Speaker 3: does that work logistically?

980
00:48:02,400 --> 00:48:08,120
Speaker 2: So I pay for a flat in South Canterbury, where

981
00:48:08,160 --> 00:48:11,600
Speaker 2: my job is, and I also contribute to rend where

982
00:48:11,600 --> 00:48:15,160
Speaker 2: my partner lives, because I mean it's a glorified storage

983
00:48:15,239 --> 00:48:17,959
Speaker 2: unit at this point in time, point in time because

984
00:48:18,000 --> 00:48:19,759
Speaker 2: it's got all my stuff there, but I'm not there.

985
00:48:20,000 --> 00:48:24,160
Speaker 2: But I only pay one hundred dollars a fortnight for

986
00:48:24,920 --> 00:48:27,480
Speaker 2: the place in christ Church because I'm only there on

987
00:48:27,560 --> 00:48:30,640
Speaker 2: the weekends. I'm not doing a whole lot up. Yeah,

988
00:48:30,800 --> 00:48:33,120
Speaker 2: but that'll change when I move back.

989
00:48:33,480 --> 00:48:36,000
Speaker 3: Yeah, And I'm just being perfect because like I don't

990
00:48:36,040 --> 00:48:38,839
Speaker 3: know the distance. What's the distance between where you work

991
00:48:39,000 --> 00:48:41,000
Speaker 3: and christ Church? Like how long does that take you

992
00:48:41,080 --> 00:48:41,439
Speaker 3: to get.

993
00:48:41,360 --> 00:48:41,879
Speaker 4: To and from?

994
00:48:42,000 --> 00:48:42,920
Speaker 2: About two hours?

995
00:48:43,440 --> 00:48:45,359
Speaker 4: Oh that is a big drive. Yeah.

996
00:48:45,480 --> 00:48:48,640
Speaker 2: Yeah, So I will leave five pm on a Friday,

997
00:48:48,800 --> 00:48:52,480
Speaker 2: I'll get home about even thirty, depending on traffic, and

998
00:48:52,560 --> 00:48:57,320
Speaker 2: then come Monday morning, I'll leave at six And yeah, no,

999
00:48:57,640 --> 00:49:00,920
Speaker 2: definitely not not not fun. But I've done it for

1000
00:49:01,000 --> 00:49:04,040
Speaker 2: fifteen months. I did it to get my foot in

1001
00:49:04,120 --> 00:49:07,160
Speaker 2: the door, and now I get to move back to

1002
00:49:07,239 --> 00:49:09,120
Speaker 2: crash it and I'm not going to have to do

1003
00:49:09,280 --> 00:49:11,480
Speaker 2: the two hours worth of driving on a Monday morning.

1004
00:49:11,680 --> 00:49:13,920
Speaker 4: That's so exciting, and that means you get to like

1005
00:49:14,000 --> 00:49:17,439
Speaker 4: live with your partner permanently. Like ah, I love this view.

1006
00:49:17,520 --> 00:49:20,160
Speaker 3: I feel like everything is just getting better and better.

1007
00:49:20,239 --> 00:49:23,040
Speaker 3: And it's because you took so much time and put

1008
00:49:23,120 --> 00:49:25,800
Speaker 3: in so much energy to like just solidifying this. You

1009
00:49:25,880 --> 00:49:27,840
Speaker 3: were so like, no, I am going to get the

1010
00:49:27,920 --> 00:49:29,719
Speaker 3: career I want to get, and I am going to

1011
00:49:29,760 --> 00:49:31,160
Speaker 3: be able to do it. And yes, I've had to

1012
00:49:31,200 --> 00:49:33,399
Speaker 3: make a whole heap of compromises to make this work.

1013
00:49:33,719 --> 00:49:35,919
Speaker 3: But like now it just feels like that's not really

1014
00:49:35,960 --> 00:49:37,480
Speaker 3: a compromise anymore, is it.

1015
00:49:37,760 --> 00:49:40,400
Speaker 2: No. I was talking to my counselor last night and

1016
00:49:40,480 --> 00:49:42,920
Speaker 2: I was like, if I took a sit back and

1017
00:49:43,000 --> 00:49:45,800
Speaker 2: I looked at my life and I overlaid it to

1018
00:49:46,600 --> 00:49:49,480
Speaker 2: the plan that little light year old me had, it's

1019
00:49:49,480 --> 00:49:52,120
Speaker 2: stand their spot on. I've got the career, I've got

1020
00:49:52,200 --> 00:49:54,680
Speaker 2: the partner, I've got first DAT and the next thing.

1021
00:49:54,719 --> 00:49:56,840
Speaker 2: And I'm like, this is actually my dream life? What

1022
00:49:57,120 --> 00:49:59,000
Speaker 2: is this? When did this happen.

1023
00:49:59,360 --> 00:50:03,960
Speaker 3: I'm and you know what, I just love that, like

1024
00:50:04,160 --> 00:50:07,440
Speaker 3: I feel like you remind me of me, where we

1025
00:50:07,640 --> 00:50:10,480
Speaker 3: clearly have some insecurities. You said something before that I

1026
00:50:10,520 --> 00:50:12,160
Speaker 3: wanted to like pick you up and hug you for

1027
00:50:12,280 --> 00:50:14,520
Speaker 3: you like I'm really used to not being liked by people,

1028
00:50:14,600 --> 00:50:17,040
Speaker 3: and I was like, no, like you just haven't found

1029
00:50:17,200 --> 00:50:19,520
Speaker 3: the right people. You haven't been in the right rooms,

1030
00:50:19,880 --> 00:50:21,680
Speaker 3: and if you're in those rooms, like you're in the

1031
00:50:21,719 --> 00:50:22,239
Speaker 3: wrong ones.

1032
00:50:22,280 --> 00:50:23,960
Speaker 4: That I wanted to pick you up and be like no, no, no,

1033
00:50:24,040 --> 00:50:25,719
Speaker 4: no no, but I didn't want to cut you off.

1034
00:50:26,200 --> 00:50:29,080
Speaker 3: And like there's just been a lot of like goings

1035
00:50:29,160 --> 00:50:31,640
Speaker 3: on and you're like saying, now I have my dream life.

1036
00:50:32,239 --> 00:50:37,279
Speaker 3: And it's really proof that money doesn't buy happiness, like

1037
00:50:37,360 --> 00:50:40,160
Speaker 3: your personal accomplishment and being able to reflect on where

1038
00:50:40,200 --> 00:50:42,840
Speaker 3: you've come from and where you're going, like because a

1039
00:50:42,880 --> 00:50:45,399
Speaker 3: lot of people will be like, wow, sixty thousand dollars

1040
00:50:45,480 --> 00:50:47,520
Speaker 3: is not going to be enough for me, but like

1041
00:50:47,840 --> 00:50:50,360
Speaker 3: you know what's not enough having heaps of money and

1042
00:50:50,440 --> 00:50:52,680
Speaker 3: still not being grateful from where you've come from and

1043
00:50:52,760 --> 00:50:55,000
Speaker 3: what you're doing, and like you're actually never going to

1044
00:50:55,040 --> 00:50:55,399
Speaker 3: be happy.

1045
00:50:55,680 --> 00:50:57,200
Speaker 4: And just like listening to you is like.

1046
00:50:57,280 --> 00:50:59,799
Speaker 3: Oh my god, yes, queen, like she is leaving her

1047
00:51:00,280 --> 00:51:02,560
Speaker 3: life and that is just so cool, and You've got

1048
00:51:02,680 --> 00:51:04,680
Speaker 3: so far to go, and I can't wait until you're

1049
00:51:04,719 --> 00:51:07,600
Speaker 3: like the sliding into my DMS. I'm a judge now,

1050
00:51:07,680 --> 00:51:10,279
Speaker 3: and I'll be like, is this illegal to DM? Like

1051
00:51:10,360 --> 00:51:12,840
Speaker 3: are we allowed to talk still? Like it'll be just

1052
00:51:12,960 --> 00:51:16,160
Speaker 3: so exciting. At the start of this episode, you said,

1053
00:51:16,360 --> 00:51:19,680
Speaker 3: v I reckon, I'm like a B plus or an AS,

1054
00:51:20,480 --> 00:51:22,440
Speaker 3: and like that is very good grade to begin with.

1055
00:51:23,080 --> 00:51:25,319
Speaker 4: But what would it take to get you to an

1056
00:51:25,360 --> 00:51:25,840
Speaker 4: A plus?

1057
00:51:26,239 --> 00:51:31,280
Speaker 2: I think potentially getting rid of my carlow with definitely

1058
00:51:31,640 --> 00:51:36,040
Speaker 2: help and sorting out my cash flow so I'm not

1059
00:51:37,000 --> 00:51:38,680
Speaker 2: caught short at the end of the way.

1060
00:51:39,239 --> 00:51:40,279
Speaker 4: Yeah, I'll do that for you.

1061
00:51:40,440 --> 00:51:42,200
Speaker 3: I'll give you my money master class and then you

1062
00:51:42,280 --> 00:51:44,480
Speaker 3: can go do the money master class right before you

1063
00:51:44,600 --> 00:51:46,719
Speaker 3: do your new job, and then you can get all

1064
00:51:46,760 --> 00:51:48,960
Speaker 3: of your budget and cash flow and carloon and everything

1065
00:51:49,040 --> 00:51:51,480
Speaker 3: sorted and it'll be really attractive. And you already told

1066
00:51:51,520 --> 00:51:53,760
Speaker 3: me in the She's on the Money Book, I structure

1067
00:51:53,800 --> 00:51:55,520
Speaker 3: my money like this, so it's actually going to work

1068
00:51:55,600 --> 00:51:58,160
Speaker 3: for you already because it's the same kind of structure.

1069
00:51:58,440 --> 00:52:00,400
Speaker 3: It's just way more gritty, and I do it for you.

1070
00:52:00,840 --> 00:52:03,160
Speaker 3: You still will need your spreadsheet for your groceries though,

1071
00:52:03,160 --> 00:52:05,520
Speaker 3: because I don't have that level of detail in there.

1072
00:52:05,719 --> 00:52:08,880
Speaker 3: But I can do everything else, So let me do that,

1073
00:52:09,000 --> 00:52:10,880
Speaker 3: and then your new job it's going to be flawless.

1074
00:52:10,960 --> 00:52:12,239
Speaker 4: I'm so excited for you.

1075
00:52:12,600 --> 00:52:14,759
Speaker 2: Thank you for that, but I really really appreciate that.

1076
00:52:14,880 --> 00:52:18,359
Speaker 6: Actually, oh, I'm so excited for you paying a carlon off,

1077
00:52:18,600 --> 00:52:23,239
Speaker 6: and I think potentially having like the fully funded emergency

1078
00:52:23,280 --> 00:52:27,120
Speaker 6: fund because I'm so growing up I had the scarcity

1079
00:52:27,200 --> 00:52:31,320
Speaker 6: mindset and I had two younger sisters, so my coins

1080
00:52:31,360 --> 00:52:32,799
Speaker 6: would disappear.

1081
00:52:32,760 --> 00:52:35,839
Speaker 2: So I'm still used to that, Oh it's it's going

1082
00:52:35,880 --> 00:52:39,960
Speaker 2: to disappear eventually. So yeah, potentially paying the carlan off

1083
00:52:40,000 --> 00:52:43,200
Speaker 2: and sorting the fully funded emergency fund out would bump

1084
00:52:43,280 --> 00:52:44,360
Speaker 2: me up a grade into.

1085
00:52:44,680 --> 00:52:46,800
Speaker 3: That's so exciting. But I like that You've got so

1086
00:52:46,920 --> 00:52:49,440
Speaker 3: much clarity around where you're going and what that looks like.

1087
00:52:49,600 --> 00:52:51,360
Speaker 3: You're like, well, actually to get to an A plus.

1088
00:52:51,560 --> 00:52:53,239
Speaker 3: Sometimes we talk to people and they're like, oh, I

1089
00:52:53,280 --> 00:52:54,920
Speaker 3: don't know, I just don't feel good at it, and

1090
00:52:55,000 --> 00:52:55,680
Speaker 3: it's like, well.

1091
00:52:56,080 --> 00:52:58,440
Speaker 4: Let's make a plan you can be good at money.

1092
00:52:58,760 --> 00:53:01,000
Speaker 3: Like being good at money isn't it up being smart

1093
00:53:01,280 --> 00:53:04,600
Speaker 3: or having some kind of financial backing. It's just actually

1094
00:53:04,600 --> 00:53:06,360
Speaker 3: about choosing to be good at money and then just

1095
00:53:06,480 --> 00:53:09,600
Speaker 3: diving in, like you just choose to and there's no

1096
00:53:09,760 --> 00:53:12,160
Speaker 3: start point that feels like the next day you've got

1097
00:53:12,160 --> 00:53:15,960
Speaker 3: your shit together. It's literally just one day you decide

1098
00:53:16,200 --> 00:53:18,080
Speaker 3: I'm just going to start making small snaps in the

1099
00:53:18,160 --> 00:53:20,680
Speaker 3: right direction, and then all of a sudden, you've applied

1100
00:53:20,760 --> 00:53:23,120
Speaker 3: for two hundred jobs, you're fifteen months in, you're moving

1101
00:53:23,200 --> 00:53:26,520
Speaker 3: to a new area because you've finally got your dream job,

1102
00:53:26,560 --> 00:53:28,000
Speaker 3: you get to live with your part I'm just so

1103
00:53:28,440 --> 00:53:31,719
Speaker 3: excited about all of this for you. It's making me

1104
00:53:31,960 --> 00:53:35,239
Speaker 3: so happy. So thank you so much for sharing this

1105
00:53:35,360 --> 00:53:37,759
Speaker 3: journey and this story with me. I feel very very

1106
00:53:37,840 --> 00:53:39,080
Speaker 3: privileged to have been a part of it.

1107
00:53:39,360 --> 00:53:42,960
Speaker 2: Thank you for being available for big sister advice. Because

1108
00:53:43,440 --> 00:53:46,120
Speaker 2: I'm the oldest, so I don't have someone to go

1109
00:53:46,320 --> 00:53:48,000
Speaker 2: to for big sister advice.

1110
00:53:48,200 --> 00:53:50,600
Speaker 3: I got you, I got you, and I've got everybody

1111
00:53:50,640 --> 00:53:52,560
Speaker 3: else who wants to slide into my DMS and be like,

1112
00:53:52,640 --> 00:53:54,759
Speaker 3: so what about this? Like I think people think that

1113
00:53:54,840 --> 00:53:57,399
Speaker 3: because I've got like some followers or something like, oh,

1114
00:53:57,520 --> 00:54:00,719
Speaker 3: she wouldn't want to talk born to Yeah, born to

1115
00:54:01,000 --> 00:54:02,920
Speaker 3: give unsolicited advice.

1116
00:54:03,040 --> 00:54:04,239
Speaker 4: That's where I thrive best.

1117
00:54:05,000 --> 00:54:08,480
Speaker 2: I'd solicited advice advice in my opinion, and I.

1118
00:54:08,520 --> 00:54:10,920
Speaker 3: Mean you asked for it, so like wasn't even unsolicited.

1119
00:54:11,040 --> 00:54:13,120
Speaker 3: You solicited that advice and I gave it to you

1120
00:54:13,280 --> 00:54:15,960
Speaker 3: for free. Anyway, guys, I think that is all we

1121
00:54:16,080 --> 00:54:18,440
Speaker 3: have time for today, money Dorist. It has been a pleasure,

1122
00:54:18,520 --> 00:54:20,759
Speaker 3: and I just know that the community is going to

1123
00:54:21,000 --> 00:54:23,160
Speaker 3: love listening to this episode as much as I loved

1124
00:54:23,239 --> 00:54:26,400
Speaker 3: recording it, so I really appreciate it. But for everybody

1125
00:54:26,480 --> 00:54:29,040
Speaker 3: following along, we will see you right early on Wednesday

1126
00:54:29,080 --> 00:54:30,120
Speaker 3: morning through Deep Dive.

1127
00:54:30,400 --> 00:54:30,680
Speaker 6: Bye.

1128
00:54:36,160 --> 00:54:38,680
Speaker 5: The advice shared on She's on the Money is general

1129
00:54:38,719 --> 00:54:42,560
Speaker 5: in nature and does not consider your individual circumstances. She's

1130
00:54:42,640 --> 00:54:46,040
Speaker 5: on the Money exists purely for educational purposes and should

1131
00:54:46,120 --> 00:54:49,280
Speaker 5: not be relied upon to make an investment or financial decision.

1132
00:54:49,680 --> 00:54:52,120
Speaker 5: If you do choose to buy a financial product, read

1133
00:54:52,160 --> 00:54:55,480
Speaker 5: the PDS TMD and obtain appropriate financial.

1134
00:54:55,080 --> 00:54:56,840
Speaker 4: Advice tailored towards your needs.

1135
00:54:57,239 --> 00:55:01,120
Speaker 5: Victoria Divine and She's on the Money are author representatives

1136
00:55:01,200 --> 00:55:03,560
Speaker 5: of money sherper P T y l t D A

1137
00:55:03,719 --> 00:55:06,600
Speaker 5: b N three two one six four nine two seven

1138
00:55:06,719 --> 00:55:09,520
Speaker 5: seven zero eight a f s L four five one

1139
00:55:09,760 --> 00:55:10,560
Speaker 5: two eight nine