WEBVTT - She Was Told She’d Never Make It. 200 Rejections Later, She Proved Them Wrong.

0:00:00.200 --> 0:00:02.960
<v Speaker 1>My name is Tatasha Bamblet. I'm a proud First Nations

0:00:03.000 --> 0:00:07.280
<v Speaker 1>woman and I'm here to acknowledge country t Glenn Young

0:00:07.320 --> 0:00:11.400
<v Speaker 1>Ganya Niana, Kaka yah Ya bin Ahaka nian Ar gay

0:00:11.440 --> 0:00:17.120
<v Speaker 1>In Mbina yakarum jar dominyamiga Umagahawakawaman damon imlan Bumba bang

0:00:17.160 --> 0:00:22.439
<v Speaker 1>Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,

0:00:22.480 --> 0:00:25.920
<v Speaker 1>beautiful friends, we gather on the lands of the Aboriginal people.

0:00:26.360 --> 0:00:29.080
<v Speaker 1>We thank acknowledge and respect the Aberiginal people's land that

0:00:29.120 --> 0:00:31.880
<v Speaker 1>we're gathering on today. Take pleasure in all the land

0:00:32.080 --> 0:00:35.320
<v Speaker 1>and respect all that you see. She's on the Money

0:00:35.360 --> 0:00:41.960
<v Speaker 1>podcast acknowledges culture, country, community and connections, bringing you the tools,

0:00:42.400 --> 0:00:44.560
<v Speaker 1>knowledge and resources for you to thrive.

0:00:45.080 --> 0:00:47.840
<v Speaker 2>She's on the Money. She's on the Money.

0:01:08.080 --> 0:01:11.119
<v Speaker 3>Hello, and welcome to She's on the Money, the podcast

0:01:11.200 --> 0:01:14.760
<v Speaker 3>that lets you be pervy about other people's money situations.

0:01:14.480 --> 0:01:18.119
<v Speaker 4>For educational purposes of course. Welcome back to another one

0:01:18.200 --> 0:01:19.040
<v Speaker 4>of our Money.

0:01:18.880 --> 0:01:21.880
<v Speaker 3>Daries episodes where I get the absolute pleasure of sitting

0:01:21.920 --> 0:01:24.200
<v Speaker 3>down and having a chat with one of our beautiful

0:01:24.319 --> 0:01:27.880
<v Speaker 3>community members all about their journey. Let's jump straight into it,

0:01:28.040 --> 0:01:30.360
<v Speaker 3>because we got a message this week and it sounded

0:01:30.520 --> 0:01:34.920
<v Speaker 3>exactly like this, dear, she's on the money. I went

0:01:35.040 --> 0:01:37.280
<v Speaker 3>from being a small town country kid where there were

0:01:37.400 --> 0:01:40.560
<v Speaker 3>only eight people in my year in primary school to

0:01:40.680 --> 0:01:43.440
<v Speaker 3>being a big tael lawyer who is finding her feet

0:01:43.600 --> 0:01:48.279
<v Speaker 3>financially after applying for two hundred jobs to get.

0:01:48.160 --> 0:01:49.160
<v Speaker 4>My first law job.

0:01:49.720 --> 0:01:52.680
<v Speaker 3>I have savings and investments for the first time, and

0:01:52.800 --> 0:01:55.960
<v Speaker 3>I no longer spend every single cent on random items,

0:01:56.000 --> 0:01:59.160
<v Speaker 3>and of course I have big career goals too. My

0:01:59.280 --> 0:02:01.720
<v Speaker 3>money story is and I would love to share it

0:02:01.800 --> 0:02:05.520
<v Speaker 3>with the community. Money Diarist, Welcome to the show.

0:02:05.840 --> 0:02:06.760
<v Speaker 2>Thank you for having me.

0:02:07.080 --> 0:02:09.440
<v Speaker 3>I'm very excited. People aren't going to know this, but

0:02:10.080 --> 0:02:12.160
<v Speaker 3>I saw your name out producer book to you because

0:02:12.200 --> 0:02:13.880
<v Speaker 3>you obviously had a great story. And then I saw

0:02:13.919 --> 0:02:16.079
<v Speaker 3>your name and I'm like, hey, we're internet friends, like

0:02:16.160 --> 0:02:18.040
<v Speaker 3>we talk in my DMS all the time, and I

0:02:18.160 --> 0:02:21.120
<v Speaker 3>was like kind of low key excited because you've messaged

0:02:21.200 --> 0:02:23.600
<v Speaker 3>me along this career journey of yours.

0:02:23.320 --> 0:02:24.959
<v Speaker 4>Being like, Hey, what should I do here or what

0:02:25.040 --> 0:02:25.799
<v Speaker 4>does this look like?

0:02:25.919 --> 0:02:28.600
<v Speaker 3>And I think we've bonded over it, so I'm excited

0:02:28.680 --> 0:02:30.920
<v Speaker 3>that you've come out of my dms and now you're

0:02:30.960 --> 0:02:32.800
<v Speaker 3>on my show, Like this is so exciting.

0:02:33.160 --> 0:02:36.760
<v Speaker 2>The way I squealed when immering me, I was like,

0:02:37.440 --> 0:02:42.079
<v Speaker 2>no way. And then I've told literally everyone.

0:02:42.280 --> 0:02:43.560
<v Speaker 4>It's a good story.

0:02:44.600 --> 0:02:46.920
<v Speaker 3>And it's one of those things where like I'm obviously

0:02:47.000 --> 0:02:49.280
<v Speaker 3>quite active on socials, but I'm also very active in

0:02:49.360 --> 0:02:51.919
<v Speaker 3>my dms, Like I love having a yap with my community,

0:02:52.040 --> 0:02:54.840
<v Speaker 3>Like it's not you know, I just post random stories

0:02:54.880 --> 0:02:56.960
<v Speaker 3>and then don't reply to you, like if you ask

0:02:57.040 --> 0:02:58.840
<v Speaker 3>me a career question, I'm like, all right, sit down, babe.

0:02:58.880 --> 0:03:01.799
<v Speaker 3>So my thoughts are I have been known to send

0:03:02.200 --> 0:03:06.359
<v Speaker 3>voice notes, I send like attachments, I'll find links on

0:03:06.440 --> 0:03:08.680
<v Speaker 3>the internet for you, Like I just think we're besties

0:03:08.720 --> 0:03:11.800
<v Speaker 3>that haven't met yet, and so I think we became

0:03:12.040 --> 0:03:14.200
<v Speaker 3>like that, and you would ask me all these career questions,

0:03:14.280 --> 0:03:17.160
<v Speaker 3>and I remember always saying, like, girl, this is so common.

0:03:17.240 --> 0:03:18.160
<v Speaker 4>Stop stressing.

0:03:18.800 --> 0:03:20.720
<v Speaker 3>And so now I'm glad that we're talking about this

0:03:20.840 --> 0:03:24.840
<v Speaker 3>on the podcast because I'm hoping that those dms become

0:03:24.880 --> 0:03:28.600
<v Speaker 3>an episode that help other people feel confident going through this,

0:03:28.720 --> 0:03:31.880
<v Speaker 3>because it can be heartbreaking to be like I applied

0:03:31.880 --> 0:03:34.239
<v Speaker 3>for two hundred jobs like so many people would have

0:03:34.240 --> 0:03:35.000
<v Speaker 3>given up before then.

0:03:35.120 --> 0:03:39.400
<v Speaker 2>Right, Yeah, I am definitely known for my grit end

0:03:39.520 --> 0:03:43.720
<v Speaker 2>my never giving up. But if I could just even

0:03:43.800 --> 0:03:48.040
<v Speaker 2>help one baby, lawere, just know that it's so common,

0:03:48.520 --> 0:03:49.360
<v Speaker 2>you will. I love it.

0:03:49.640 --> 0:03:51.960
<v Speaker 3>So our friend from across the Ditch is on the

0:03:52.000 --> 0:03:54.280
<v Speaker 3>show now to give us a lot of confidence. But

0:03:54.360 --> 0:03:56.760
<v Speaker 3>before we get there, and before I dive further into

0:03:56.840 --> 0:03:59.400
<v Speaker 3>your story, my Nita Aust, I need to know what

0:03:59.600 --> 0:04:02.200
<v Speaker 3>grade'd you grade your habits from A three to F

0:04:02.280 --> 0:04:04.080
<v Speaker 3>If I forced you to give them a grade.

0:04:04.120 --> 0:04:07.080
<v Speaker 2>I would give myself either an A minus or a

0:04:07.200 --> 0:04:10.640
<v Speaker 2>B plus. Considering where I've come from, I'm definitely reckon.

0:04:10.680 --> 0:04:13.280
<v Speaker 2>I'd be about an ANS B plus good of range.

0:04:13.800 --> 0:04:16.960
<v Speaker 3>I'm very excited to learn more about this. I know

0:04:17.120 --> 0:04:19.720
<v Speaker 3>a little bit about you, but now's your time to shine.

0:04:19.960 --> 0:04:22.480
<v Speaker 4>Tell me. Tell me a little bit more about your

0:04:22.520 --> 0:04:23.200
<v Speaker 4>money story.

0:04:23.720 --> 0:04:26.960
<v Speaker 2>So I grew up in a very small town North

0:04:27.360 --> 0:04:30.000
<v Speaker 2>y Keatto, much like what my money story. See if

0:04:30.000 --> 0:04:33.479
<v Speaker 2>here was eight of us in my class. So when

0:04:33.600 --> 0:04:38.080
<v Speaker 2>I started having big city dreams, it was you're not

0:04:38.160 --> 0:04:41.520
<v Speaker 2>good enough, you won't make it. Tall poppy syndrome was

0:04:41.920 --> 0:04:45.000
<v Speaker 2>rife that kind of thing, and I grew up in

0:04:45.120 --> 0:04:50.120
<v Speaker 2>a i'd say probably middle class sort of household. We

0:04:50.279 --> 0:04:55.239
<v Speaker 2>weren't riding the poverty line, but we also weren't going

0:04:55.400 --> 0:05:00.240
<v Speaker 2>on yearly holidays. We weren't splurging on big items and

0:05:00.320 --> 0:05:03.680
<v Speaker 2>that kind of thing. Money was never really talked about either,

0:05:03.960 --> 0:05:09.640
<v Speaker 2>So I would pick up on signals from my parents,

0:05:10.480 --> 0:05:15.200
<v Speaker 2>and I knew that money was tight, but it wasn't

0:05:15.760 --> 0:05:22.880
<v Speaker 2>talked about still. And then I moved from the Northway

0:05:22.960 --> 0:05:25.360
<v Speaker 2>Heado to chrish It with five hundred dollars to my

0:05:25.520 --> 0:05:29.960
<v Speaker 2>name and a dream of somehow I'm going to make it.

0:05:30.080 --> 0:05:32.680
<v Speaker 2>I don't know how, I don't know when, but I will.

0:05:33.680 --> 0:05:38.960
<v Speaker 2>I started a Bachelor of Law after working out that

0:05:39.080 --> 0:05:42.360
<v Speaker 2>law is a lot easier than forensic science. Oh yeah.

0:05:44.040 --> 0:05:47.800
<v Speaker 2>I was doing chemistry papers and not doing very good.

0:05:47.880 --> 0:05:51.280
<v Speaker 2>But my law papers I just found so much easier.

0:05:51.839 --> 0:05:53.760
<v Speaker 2>I don't know how that makes sense, but it does

0:05:53.839 --> 0:05:54.040
<v Speaker 2>for me.

0:05:54.200 --> 0:05:55.960
<v Speaker 3>What do you mean it doesn't like that makes a

0:05:56.040 --> 0:05:58.120
<v Speaker 3>lot of sense, Like you just have an area that

0:05:58.160 --> 0:06:01.320
<v Speaker 3>you flourish here. Yeah, it's like some people they're like, girl,

0:06:01.480 --> 0:06:04.160
<v Speaker 3>I couldn't do financial management, what the hell? But I'm

0:06:04.240 --> 0:06:07.400
<v Speaker 3>actually really good at marketing and economics, like we all

0:06:07.560 --> 0:06:10.440
<v Speaker 3>just have something that somehow just makes sense to the

0:06:10.520 --> 0:06:12.159
<v Speaker 3>way that our brain is wired.

0:06:12.520 --> 0:06:15.640
<v Speaker 2>Had just clicked and off I went. In the end.

0:06:16.400 --> 0:06:20.760
<v Speaker 2>During my four years at Yoni, I dealt with my

0:06:20.920 --> 0:06:25.479
<v Speaker 2>dad being terminally ill. As you know, he's from our Deans.

0:06:25.960 --> 0:06:29.120
<v Speaker 2>He's going down hellative care end of life at the moment,

0:06:29.160 --> 0:06:32.840
<v Speaker 2>which is really sad and hard, but unfortunately it is

0:06:32.880 --> 0:06:36.320
<v Speaker 2>the way of life. My ex fiance was in a

0:06:36.400 --> 0:06:39.720
<v Speaker 2>motorcycle accident and almost died, and I set exams on

0:06:39.800 --> 0:06:40.680
<v Speaker 2>the hospital.

0:06:40.360 --> 0:06:43.320
<v Speaker 3>For you literally cannot say that you're not committed to

0:06:43.400 --> 0:06:46.160
<v Speaker 3>your studies or your career, like no knowing you in

0:06:46.240 --> 0:06:50.960
<v Speaker 3>the background, like this woman, holy gockamole, Like she's told

0:06:51.000 --> 0:06:52.800
<v Speaker 3>me so much about it, which I'm so grateful for,

0:06:52.960 --> 0:06:55.960
<v Speaker 3>but I'm just like, sorry, what do you know what

0:06:56.000 --> 0:06:57.960
<v Speaker 3>I would have been doing trying to get an exemption,

0:06:58.520 --> 0:07:01.000
<v Speaker 3>like trying to get out of it, like not doing it.

0:07:01.040 --> 0:07:02.760
<v Speaker 3>And you're like, oh no, Like I could do it

0:07:02.839 --> 0:07:06.000
<v Speaker 3>on the hospital floor, that's fine. I was like, is

0:07:06.120 --> 0:07:06.880
<v Speaker 3>that even an option?

0:07:07.760 --> 0:07:11.240
<v Speaker 2>You just your make though, And I attribute the way

0:07:11.280 --> 0:07:14.600
<v Speaker 2>I am to my mother. When I was in high school,

0:07:14.840 --> 0:07:19.960
<v Speaker 2>my dad had a workplace accident and slipped into depression,

0:07:20.160 --> 0:07:23.840
<v Speaker 2>in a very very bad depression. So my mum became

0:07:24.120 --> 0:07:28.080
<v Speaker 2>a single mum. Well dad was there, but she took

0:07:28.120 --> 0:07:30.960
<v Speaker 2>over the reins of e briefing and I think I

0:07:31.400 --> 0:07:35.400
<v Speaker 2>only ever saw her breakdown maybe twice that entire time.

0:07:35.920 --> 0:07:39.880
<v Speaker 2>And during that time, I was the feral teenage daughter

0:07:40.080 --> 0:07:42.920
<v Speaker 2>and she had my two sisters to deal with at

0:07:42.960 --> 0:07:46.280
<v Speaker 2>the same time. And I think watching her strength is

0:07:46.360 --> 0:07:49.120
<v Speaker 2>what gave me my strength to be like ohnh that's

0:07:49.200 --> 0:07:52.920
<v Speaker 2>just the way I life. And then I got my

0:07:53.040 --> 0:07:56.200
<v Speaker 2>law degree, which is probably one of the most exciting

0:07:56.280 --> 0:07:57.160
<v Speaker 2>days of my life.

0:07:57.400 --> 0:07:58.559
<v Speaker 4>You're from a small town.

0:07:59.200 --> 0:08:01.800
<v Speaker 3>I didn't ask before, but what did your parents do, Like,

0:08:02.040 --> 0:08:04.600
<v Speaker 3>was this something where they had higher education as well,

0:08:04.720 --> 0:08:06.120
<v Speaker 3>or are you like one of the first in the

0:08:06.200 --> 0:08:07.760
<v Speaker 3>family to go through that journey.

0:08:08.000 --> 0:08:09.560
<v Speaker 2>I'm one of the first in the family.

0:08:09.880 --> 0:08:11.360
<v Speaker 4>That's so sick, isn't it.

0:08:11.680 --> 0:08:15.680
<v Speaker 2>My mum was a horse trainer growing up, and then

0:08:16.240 --> 0:08:19.520
<v Speaker 2>she moved into dairy farming and that kind of thing

0:08:20.160 --> 0:08:23.120
<v Speaker 2>as a kid. My dad did dairy farming and truck driving,

0:08:23.360 --> 0:08:27.160
<v Speaker 2>and then he had his accident and didn't work for

0:08:27.480 --> 0:08:33.439
<v Speaker 2>ten plus years, and then he ended up working for

0:08:33.559 --> 0:08:37.160
<v Speaker 2>a government role and has only recently retired in the

0:08:37.280 --> 0:08:38.720
<v Speaker 2>last four years.

0:08:39.360 --> 0:08:40.360
<v Speaker 4>I hate so.

0:08:40.800 --> 0:08:43.000
<v Speaker 2>Yeah, I'm the first one to go to UNI, the

0:08:43.040 --> 0:08:46.319
<v Speaker 2>first one to get a big girl degree, and it

0:08:46.520 --> 0:08:50.199
<v Speaker 2>was definitely the biggest middle finger to everyone that I

0:08:50.280 --> 0:08:53.199
<v Speaker 2>grew up with that said you wouldn't amount to anything.

0:08:53.559 --> 0:08:54.959
<v Speaker 4>And did your parents love that?

0:08:55.120 --> 0:08:57.600
<v Speaker 3>Because like, I just I know my parents were really

0:08:57.640 --> 0:09:00.440
<v Speaker 3>proud of me, and like, I went through that journey,

0:09:00.520 --> 0:09:02.760
<v Speaker 3>but I didn't face nearly as much adversity.

0:09:02.840 --> 0:09:05.400
<v Speaker 4>Were they like jumping for joy? Because I just would

0:09:05.400 --> 0:09:06.920
<v Speaker 4>have been like, yeah, that's my daughter. She's gonna be

0:09:06.960 --> 0:09:09.080
<v Speaker 4>a lawyer, Like, ah, how cool.

0:09:09.320 --> 0:09:12.880
<v Speaker 2>Yeah, that was definitely my parents. The day I graduated,

0:09:13.200 --> 0:09:16.200
<v Speaker 2>I was dancing in the car park in my sixteen

0:09:16.280 --> 0:09:17.920
<v Speaker 2>hundred dollars Valentino rock duds.

0:09:18.320 --> 0:09:24.080
<v Speaker 4>Yeah, yeah, I love this for you so much.

0:09:24.520 --> 0:09:29.199
<v Speaker 2>And then yes, I got my law degree. I then

0:09:30.040 --> 0:09:33.640
<v Speaker 2>was teaching and dairy farming to bring money in because

0:09:34.000 --> 0:09:34.839
<v Speaker 2>those don't stop.

0:09:35.080 --> 0:09:38.080
<v Speaker 3>No, that's crazy, rude. I didn't you just show them

0:09:38.120 --> 0:09:39.800
<v Speaker 3>your degree and they just waved away bills?

0:09:40.000 --> 0:09:43.280
<v Speaker 2>No, unfortunately not. I did try that. Yeah, and I

0:09:43.480 --> 0:09:48.040
<v Speaker 2>was applying for job after job after job from I

0:09:48.160 --> 0:09:53.120
<v Speaker 2>think didn't need in right up to Auckland, including my hometown.

0:09:53.360 --> 0:09:54.559
<v Speaker 2>Despite the fake I said.

0:09:54.360 --> 0:09:56.360
<v Speaker 4>I'd need a return, but like I would for a

0:09:56.400 --> 0:09:56.840
<v Speaker 4>good job.

0:09:57.160 --> 0:10:03.160
<v Speaker 2>Yeah, and I given a chance in South Canterbury, and

0:10:04.320 --> 0:10:08.720
<v Speaker 2>me and my partner went from living together and working

0:10:08.800 --> 0:10:11.559
<v Speaker 2>together to not living together and not working together and

0:10:11.679 --> 0:10:15.000
<v Speaker 2>going long distance. And now I get to be grace

0:10:15.120 --> 0:10:16.920
<v Speaker 2>with my presence again because I'm moving back.

0:10:17.720 --> 0:10:20.320
<v Speaker 3>Absolutely talk to me about You said that your ex

0:10:20.440 --> 0:10:23.960
<v Speaker 3>fiance was in a motorcycle accident, nearly died. You did

0:10:24.000 --> 0:10:27.959
<v Speaker 3>your exams on the hospital floor. What happened there with

0:10:28.160 --> 0:10:31.120
<v Speaker 3>that relationship was us another spanner in the works before

0:10:31.160 --> 0:10:33.400
<v Speaker 3>meeting the one that you are going to marry.

0:10:34.000 --> 0:10:37.680
<v Speaker 2>So we met just before I moved to christ Itch

0:10:37.880 --> 0:10:42.959
<v Speaker 2>and he moved down with me, and it was all

0:10:43.880 --> 0:10:46.840
<v Speaker 2>well and good. The relationship was just popping along as

0:10:46.920 --> 0:10:49.959
<v Speaker 2>it does. I don't think his sister or his mother

0:10:50.160 --> 0:10:50.959
<v Speaker 2>liked me very much.

0:10:51.080 --> 0:10:52.880
<v Speaker 4>They've just got terrible taste. It's fine.

0:10:53.040 --> 0:10:56.800
<v Speaker 2>And then he crashed one of my cars. I didn't

0:10:56.840 --> 0:11:01.480
<v Speaker 2>think much of it. And then he had a motorcycle

0:11:01.559 --> 0:11:04.920
<v Speaker 2>accident one morning on his way to work, and he

0:11:05.360 --> 0:11:07.959
<v Speaker 2>had one of the worst open book pubt fractures that

0:11:08.120 --> 0:11:14.160
<v Speaker 2>his doctors had ever seen. Oh god, basically yeah, absolutely harrafic.

0:11:14.320 --> 0:11:16.680
<v Speaker 2>He had to learn how to rewalk, He had to learn,

0:11:17.559 --> 0:11:22.920
<v Speaker 2>like relearn everything. And the accident itself wasn't exactly the

0:11:22.960 --> 0:11:26.800
<v Speaker 2>beginning of the end, but it was his attitude towards

0:11:27.440 --> 0:11:31.800
<v Speaker 2>at all. So I very vividly remember the day of

0:11:31.880 --> 0:11:34.360
<v Speaker 2>the accident. His phone was smashed, so I let him

0:11:34.360 --> 0:11:36.280
<v Speaker 2>borrow mine to talk to his mum, and at the

0:11:36.360 --> 0:11:38.920
<v Speaker 2>same time he was looking on trade me to buy

0:11:38.920 --> 0:11:41.960
<v Speaker 2>a new bike, and I was like, you almost died.

0:11:42.280 --> 0:11:43.560
<v Speaker 4>Can we not do this right now?

0:11:44.720 --> 0:11:47.680
<v Speaker 2>Can you take five seconds to be like, holy shit,

0:11:48.080 --> 0:11:53.480
<v Speaker 2>this has just happened. And then he crashed a second

0:11:53.559 --> 0:11:57.240
<v Speaker 2>car of mine, which was my first adult car that

0:11:57.400 --> 0:12:01.280
<v Speaker 2>I had managed to buy myself, And that was sort

0:12:01.280 --> 0:12:05.880
<v Speaker 2>of the beginning of the end. And I very vividly

0:12:05.960 --> 0:12:10.000
<v Speaker 2>remember paying for the deposit for the celebrant and I

0:12:10.120 --> 0:12:12.080
<v Speaker 2>had my drinks and everything at this point in time,

0:12:12.640 --> 0:12:15.680
<v Speaker 2>and my gap just going you and making a mistake,

0:12:15.840 --> 0:12:18.160
<v Speaker 2>do not do this. And it was then and there

0:12:18.240 --> 0:12:19.240
<v Speaker 2>that I was like, now I'm done.

0:12:19.640 --> 0:12:21.959
<v Speaker 3>There was just something that you were like this like,

0:12:22.000 --> 0:12:25.400
<v Speaker 3>because it's not about the accidents and I know that

0:12:25.480 --> 0:12:27.679
<v Speaker 3>what you've said, and I'm just trying to read between

0:12:27.720 --> 0:12:29.559
<v Speaker 3>the lines here a little bit. I know what you've

0:12:29.600 --> 0:12:31.559
<v Speaker 3>said is like, you know, he crashed my car, So

0:12:31.720 --> 0:12:33.480
<v Speaker 3>like if my husband crashed my car, I feel like

0:12:33.559 --> 0:12:35.320
<v Speaker 3>my attitude is going to be very different because I'd

0:12:35.360 --> 0:12:36.800
<v Speaker 3>be like, holy shit, like you're my husband and I'm

0:12:36.800 --> 0:12:39.560
<v Speaker 3>obsessed with you and like, you know, but I'm assuming

0:12:39.760 --> 0:12:41.599
<v Speaker 3>that it wasn't that he crushed your car. It was

0:12:41.679 --> 0:12:45.359
<v Speaker 3>probably the attitude around the entitlement of crashing.

0:12:45.040 --> 0:12:48.000
<v Speaker 4>Your car and how that worked and all, like is

0:12:48.080 --> 0:12:48.959
<v Speaker 4>that right?

0:12:49.080 --> 0:12:51.160
<v Speaker 3>If I'm reading between those lines that it wasn't like

0:12:51.240 --> 0:12:53.319
<v Speaker 3>that he crushed your car, because I feel like if

0:12:53.360 --> 0:12:55.440
<v Speaker 3>I crashed your car, you'd be like, oh my god,

0:12:55.559 --> 0:12:56.600
<v Speaker 3>the like what happened?

0:12:56.640 --> 0:12:57.120
<v Speaker 4>Are you okay?

0:12:57.280 --> 0:12:59.640
<v Speaker 3>Like let's get through insurance and we'd work it out.

0:13:00.000 --> 0:13:02.840
<v Speaker 3>I wouldn't stop being my friend I crushed your car.

0:13:03.440 --> 0:13:07.280
<v Speaker 3>So is that the right pathway that my brain is

0:13:07.360 --> 0:13:07.840
<v Speaker 3>going down?

0:13:08.000 --> 0:13:11.920
<v Speaker 2>Definitely the entitlement. I'm trying really hard not to because

0:13:11.920 --> 0:13:14.280
<v Speaker 2>he's not a bad guy. It's just his attitude was.

0:13:14.440 --> 0:13:17.360
<v Speaker 4>Just you're anonymous right now, so you could trash this

0:13:17.520 --> 0:13:18.640
<v Speaker 4>man and I would allow it.

0:13:19.400 --> 0:13:23.480
<v Speaker 3>But I think it's important because it's interesting and I'm

0:13:23.520 --> 0:13:26.760
<v Speaker 3>just stepping aside. Maybe this is a little side quest conversation. Obviously,

0:13:26.800 --> 0:13:28.199
<v Speaker 3>I've got shees on the Money, and you listen to

0:13:28.280 --> 0:13:31.520
<v Speaker 3>this stuff because you want financial literacy, and you're so

0:13:31.640 --> 0:13:36.079
<v Speaker 3>interested in people's money stories, but intertwined into our money stories,

0:13:36.160 --> 0:13:38.599
<v Speaker 3>our life journey and our life stories. And I've just

0:13:38.679 --> 0:13:42.040
<v Speaker 3>had so many messages historically of people saying, oh my god,

0:13:42.160 --> 0:13:43.839
<v Speaker 3>like I worked out that I didn't and this is

0:13:44.000 --> 0:13:46.120
<v Speaker 3>so sad, but I worked out that I didn't want

0:13:46.120 --> 0:13:47.640
<v Speaker 3>to be with my husband anymore. I didn't want to

0:13:47.640 --> 0:13:50.640
<v Speaker 3>be my person anymore because this money darist was talking

0:13:50.640 --> 0:13:53.160
<v Speaker 3>about what their partner was saying and how their partner

0:13:53.240 --> 0:13:54.560
<v Speaker 3>was treating them, and I was like, you shouldn't put

0:13:54.640 --> 0:13:56.120
<v Speaker 3>up with that, And then I realized I was putting

0:13:56.200 --> 0:13:58.319
<v Speaker 3>up with that. I was like, oh my god, awful.

0:13:58.559 --> 0:14:00.880
<v Speaker 3>But I think it's so important that when we talk

0:14:00.960 --> 0:14:04.360
<v Speaker 3>about these money stories, we're intertwining real life events and like,

0:14:04.480 --> 0:14:06.400
<v Speaker 3>you know, a little bit more context so that we

0:14:06.480 --> 0:14:09.160
<v Speaker 3>can genuinely learn, which is one of the reasons why

0:14:09.240 --> 0:14:10.439
<v Speaker 3>I love that they're anonymous.

0:14:10.559 --> 0:14:11.560
<v Speaker 4>Yeah, because you.

0:14:11.600 --> 0:14:13.959
<v Speaker 3>Could be like this guy cheated on me, did this,

0:14:14.160 --> 0:14:16.439
<v Speaker 3>did that, And you know, I want the goss, so

0:14:16.600 --> 0:14:18.360
<v Speaker 3>I want the juice. And yes, we're not going to

0:14:18.800 --> 0:14:20.840
<v Speaker 3>trash talk somebody that you don't want a trash talk.

0:14:20.880 --> 0:14:22.680
<v Speaker 3>But I also think it's like, let's read between the

0:14:22.720 --> 0:14:24.840
<v Speaker 3>lines here a little bit. There clearly was something more

0:14:24.920 --> 0:14:26.840
<v Speaker 3>than oh, he just crashed my car. So I broke

0:14:26.960 --> 0:14:29.640
<v Speaker 3>up with him going on because I wouldn't want someone

0:14:29.720 --> 0:14:32.200
<v Speaker 3>to listen to that and just pragmatically go, well that's

0:14:32.240 --> 0:14:32.800
<v Speaker 3>what she said.

0:14:33.080 --> 0:14:38.320
<v Speaker 2>So no. So he was so blase about the fact

0:14:38.360 --> 0:14:42.080
<v Speaker 2>that he had crashed two of the three cars owned,

0:14:42.680 --> 0:14:48.000
<v Speaker 2>and his attitude was the bike accident where he almost died.

0:14:48.440 --> 0:14:51.760
<v Speaker 2>And I was at the hospital eight am to eight

0:14:51.880 --> 0:14:55.440
<v Speaker 2>pm every day with him, helping him learn how to

0:14:55.680 --> 0:14:58.880
<v Speaker 2>free walk, deal with the hospital, the said and the

0:14:59.000 --> 0:15:02.920
<v Speaker 2>next thing, and then his mum would swoop and take

0:15:03.000 --> 0:15:06.080
<v Speaker 2>over and he'd be so grateful for her, But at

0:15:06.080 --> 0:15:08.160
<v Speaker 2>the end of the day, it was like, Okay, I'm

0:15:08.240 --> 0:15:10.840
<v Speaker 2>the one putting everything.

0:15:10.400 --> 0:15:13.040
<v Speaker 4>On whole being taken for granted here, what.

0:15:13.440 --> 0:15:15.880
<v Speaker 2>The actual hell is going on? I was there so

0:15:16.040 --> 0:15:19.760
<v Speaker 2>often that some of the very lovely nurses would actually

0:15:20.040 --> 0:15:23.200
<v Speaker 2>order me dinner as well. They were brilliant. They were

0:15:23.280 --> 0:15:26.400
<v Speaker 2>probably the people that got me through. But yeah, I

0:15:26.520 --> 0:15:29.520
<v Speaker 2>couldn't deal with the attitude. And no matter how much

0:15:29.560 --> 0:15:33.040
<v Speaker 2>I asked for counseling, this, that, and the next thing

0:15:33.120 --> 0:15:36.200
<v Speaker 2>to work through it, he just didn't care until I

0:15:36.280 --> 0:15:38.120
<v Speaker 2>told him I was done. And then he was like, Oh,

0:15:38.280 --> 0:15:39.840
<v Speaker 2>go to counseling. I'll do this, I'll do that.

0:15:39.920 --> 0:15:41.000
<v Speaker 4>I'm like, no, I'm too late.

0:15:41.080 --> 0:15:43.960
<v Speaker 2>I've been asking you that for six months. I'm done. Fair.

0:15:44.360 --> 0:15:46.680
<v Speaker 4>So then you met the love of your life? Yes,

0:15:48.080 --> 0:15:49.280
<v Speaker 4>and how did you meet them?

0:15:49.680 --> 0:15:52.920
<v Speaker 2>So? I coached his little brother's football team, and it's

0:15:53.040 --> 0:15:55.560
<v Speaker 2>definitely a meet care. Yes, I coached his little brother's

0:15:55.600 --> 0:15:58.960
<v Speaker 2>football team, and his little brother was at boarding school

0:15:59.600 --> 0:16:03.880
<v Speaker 2>and their parents had gone overseas, and I needed to

0:16:04.000 --> 0:16:06.480
<v Speaker 2>pick I'll call him Pip Squeak because that's his nickname,

0:16:06.560 --> 0:16:08.520
<v Speaker 2>and there's only a handful of people that know that

0:16:08.600 --> 0:16:12.640
<v Speaker 2>I call him. I picked Pip Squeak up from his brother.

0:16:13.000 --> 0:16:15.160
<v Speaker 4>That's such a key we nickname. I'm loving this.

0:16:15.840 --> 0:16:17.800
<v Speaker 2>I call him Pip Squeak because when I met him,

0:16:17.840 --> 0:16:19.480
<v Speaker 2>he was shorter than I am. Now I have to

0:16:19.560 --> 0:16:23.480
<v Speaker 2>look up and not finished growing yet. So he's going

0:16:23.560 --> 0:16:26.360
<v Speaker 2>through so much taller than what he is. So yeah,

0:16:26.360 --> 0:16:29.920
<v Speaker 2>I picked Pip Squeak up from my now partner and

0:16:31.080 --> 0:16:32.840
<v Speaker 2>that afternoon I was like, I was sitting here, I

0:16:32.840 --> 0:16:35.000
<v Speaker 2>was thinking. I was like, huh, he's kind of cute.

0:16:35.240 --> 0:16:36.680
<v Speaker 2>I just continued a conversation.

0:16:37.000 --> 0:16:38.520
<v Speaker 4>You got a cute brother? Nice?

0:16:39.160 --> 0:16:43.280
<v Speaker 2>Yeah, and he thought similar and he shot his shot.

0:16:43.320 --> 0:16:46.200
<v Speaker 2>I was like, ah, if you want me to repay

0:16:46.240 --> 0:16:49.360
<v Speaker 2>the coffee favor, just you know, because I had brought

0:16:49.560 --> 0:16:51.800
<v Speaker 2>him a coffee that morning, just to be nice because

0:16:51.840 --> 0:16:55.440
<v Speaker 2>I was we were meeting at Starbucks and who would

0:16:55.480 --> 0:16:57.880
<v Speaker 2>have thought three years later, here.

0:16:57.800 --> 0:17:00.880
<v Speaker 3>We are a door or I love that? Do you

0:17:00.920 --> 0:17:03.280
<v Speaker 3>want me to repay the coffee favor? Doesn't mean that

0:17:03.360 --> 0:17:04.399
<v Speaker 3>we get to go get coffee?

0:17:04.440 --> 0:17:04.920
<v Speaker 4>Toget that.

0:17:05.280 --> 0:17:06.320
<v Speaker 2>Yeah, that was pretty much.

0:17:07.440 --> 0:17:08.119
<v Speaker 5>I love this.

0:17:08.600 --> 0:17:10.640
<v Speaker 3>I literally love love like I would love a whole

0:17:10.680 --> 0:17:12.680
<v Speaker 3>podcast on just like how people meet.

0:17:12.840 --> 0:17:14.920
<v Speaker 4>Like my story is kind of boring. I met my

0:17:15.000 --> 0:17:17.160
<v Speaker 4>husband on Tinder, so like when I ask other people

0:17:17.200 --> 0:17:18.720
<v Speaker 4>and you didn't meet on Titter, I'm like, oh my god,

0:17:18.800 --> 0:17:19.720
<v Speaker 4>tell me how did it work?

0:17:19.760 --> 0:17:22.320
<v Speaker 3>Because like I'm so blast in real life, like someone

0:17:22.359 --> 0:17:24.200
<v Speaker 3>could have been like, I really like you and I'll

0:17:24.240 --> 0:17:25.400
<v Speaker 3>be like, yes as a friend.

0:17:25.480 --> 0:17:27.480
<v Speaker 4>Goodbye with that.

0:17:29.359 --> 0:17:32.600
<v Speaker 3>Yeah, So moving on from that, that's kind of like,

0:17:33.080 --> 0:17:35.400
<v Speaker 3>I guess your money story and where you've come from.

0:17:35.520 --> 0:17:38.119
<v Speaker 3>Tell me a little bit more about today. So what

0:17:38.280 --> 0:17:41.080
<v Speaker 3>happens when you have to apply for two hundred different jobs?

0:17:41.600 --> 0:17:44.840
<v Speaker 3>I feel like that would be really hard, especially on

0:17:44.920 --> 0:17:45.560
<v Speaker 3>your confidence.

0:17:45.800 --> 0:17:51.679
<v Speaker 2>It is so hard. I remember setting a rejiction email

0:17:51.760 --> 0:17:55.960
<v Speaker 2>after addiction email, being like and looking back, now, it's

0:17:56.040 --> 0:18:00.440
<v Speaker 2>not about you, it's about the situation. Were just not

0:18:00.560 --> 0:18:02.680
<v Speaker 2>a good set for the job. But at the time,

0:18:02.760 --> 0:18:04.520
<v Speaker 2>I was like, what is it about me that they

0:18:04.640 --> 0:18:05.440
<v Speaker 2>don't want?

0:18:06.040 --> 0:18:06.080
<v Speaker 6>It?

0:18:06.560 --> 0:18:08.840
<v Speaker 2>Tore into that little light year old that got told

0:18:08.920 --> 0:18:11.120
<v Speaker 2>she wasn't going to amount to anything.

0:18:11.400 --> 0:18:12.320
<v Speaker 4>No, I hate that.

0:18:12.760 --> 0:18:15.080
<v Speaker 2>But there was just this little voice in the back

0:18:15.119 --> 0:18:17.520
<v Speaker 2>of my head going, there are far too many people

0:18:17.880 --> 0:18:19.960
<v Speaker 2>sitting here waiting for you to fail.

0:18:20.520 --> 0:18:23.840
<v Speaker 3>Keep going yeah, And it's rough because I think you

0:18:23.960 --> 0:18:25.920
<v Speaker 3>take it so personally, but like, at the end of

0:18:25.920 --> 0:18:27.720
<v Speaker 3>the day, it's genuinely not personal.

0:18:27.840 --> 0:18:31.479
<v Speaker 4>And like the job hunting period of time, you go, oh,

0:18:31.600 --> 0:18:32.840
<v Speaker 4>it must be me, you know what.

0:18:32.960 --> 0:18:36.080
<v Speaker 3>They must have seen straight through my resume, into my

0:18:36.200 --> 0:18:38.840
<v Speaker 3>personality and into my soul, and that's what they don't

0:18:39.200 --> 0:18:42.280
<v Speaker 3>like and in reality, I'm so sorry to downplay it

0:18:42.359 --> 0:18:44.840
<v Speaker 3>to this, but you were one of hundreds of applicants

0:18:44.880 --> 0:18:47.680
<v Speaker 3>with exactly the same flipping degree and it probably had

0:18:48.000 --> 0:18:50.920
<v Speaker 3>nothing to do with you personally and everything to do

0:18:51.040 --> 0:18:54.240
<v Speaker 3>with luck or application timelines or oh my god, like

0:18:54.520 --> 0:18:56.359
<v Speaker 3>their dad used to be a lawyer as well, and

0:18:56.400 --> 0:18:59.040
<v Speaker 3>they got to do a little internship at a law firm,

0:18:59.160 --> 0:19:01.159
<v Speaker 3>and you didn't have that because you had parents who

0:19:01.240 --> 0:19:04.440
<v Speaker 3>grew up dairy farming. Like, it's literally not about you.

0:19:04.600 --> 0:19:06.720
<v Speaker 3>But how weird is it that we jumped to this

0:19:06.840 --> 0:19:08.920
<v Speaker 3>idea that must be about my personality?

0:19:08.960 --> 0:19:09.399
<v Speaker 4>How did they know?

0:19:09.680 --> 0:19:11.760
<v Speaker 3>How did they look into my soul and see the

0:19:11.880 --> 0:19:14.239
<v Speaker 3>things that I am self conscious about and hate that too.

0:19:14.840 --> 0:19:16.720
<v Speaker 2>I don't know what it is, but it was just

0:19:17.000 --> 0:19:20.680
<v Speaker 2>straight to the a stagger through the heart. I couldn't

0:19:21.000 --> 0:19:24.920
<v Speaker 2>get over it. I was like, this sucks, And if

0:19:24.960 --> 0:19:26.920
<v Speaker 2>it weren't for my partner, I'd be like, I could go.

0:19:27.520 --> 0:19:30.280
<v Speaker 2>There are other jobs out there, Someone sometime somewhere is

0:19:30.359 --> 0:19:31.879
<v Speaker 2>going to give you a chance.

0:19:32.480 --> 0:19:35.560
<v Speaker 3>Exactly, And like applying for two hundred, that's a long slog.

0:19:36.600 --> 0:19:39.600
<v Speaker 3>Tell me a bit about this, like process, though you're

0:19:39.600 --> 0:19:42.880
<v Speaker 3>applying for two hundred jobs. Right, How long a period

0:19:43.200 --> 0:19:43.359
<v Speaker 3>was that?

0:19:43.680 --> 0:19:43.800
<v Speaker 2>Was that?

0:19:44.000 --> 0:19:45.840
<v Speaker 4>Like you did that all in one week? Did you

0:19:45.920 --> 0:19:47.320
<v Speaker 4>do that in a couple of months?

0:19:47.960 --> 0:19:51.640
<v Speaker 2>Probably between a year and a half to two years. Yeah,

0:19:51.920 --> 0:19:55.600
<v Speaker 2>So from the time I graduated to getting this job.

0:19:55.960 --> 0:19:58.240
<v Speaker 3>Yeah, And so tell me a little bit more about

0:19:59.200 --> 0:20:01.920
<v Speaker 3>your strategy. So did you change your resume? Did you

0:20:02.119 --> 0:20:04.440
<v Speaker 3>update things? Because, like you know, if you and I

0:20:04.560 --> 0:20:07.199
<v Speaker 3>always talk to people about this, like your resume might

0:20:07.280 --> 0:20:09.760
<v Speaker 3>not be terrible, but it might just be hitting the

0:20:09.840 --> 0:20:13.239
<v Speaker 3>mark in your particular industry. Were you like redoing your

0:20:13.240 --> 0:20:15.199
<v Speaker 3>resume or changing the way you do cover it as well?

0:20:15.200 --> 0:20:16.600
<v Speaker 3>Were you just like, you know what, I'm just going

0:20:16.680 --> 0:20:18.159
<v Speaker 3>to have at it and it's the same as you

0:20:18.240 --> 0:20:19.600
<v Speaker 3>may for the entire two years.

0:20:19.960 --> 0:20:23.440
<v Speaker 2>It was a bit of both. I was very very lucky.

0:20:23.520 --> 0:20:27.240
<v Speaker 2>I went to lunch with a friend and her daughter's

0:20:27.640 --> 0:20:31.919
<v Speaker 2>father and we were discussing me applying for law jobs,

0:20:32.200 --> 0:20:36.600
<v Speaker 2>and he goes, oh, I know someone at all firm.

0:20:36.840 --> 0:20:39.920
<v Speaker 2>I'll put you in contact. And then I went to

0:20:40.040 --> 0:20:44.000
<v Speaker 2>a conference. I met this very lovely lady. We had

0:20:44.040 --> 0:20:46.320
<v Speaker 2>a chat and she went over my resume with me

0:20:46.600 --> 0:20:50.359
<v Speaker 2>and she went change this, like make it bullet points,

0:20:50.400 --> 0:20:52.920
<v Speaker 2>don't make it pages. That's that and the next thing.

0:20:54.359 --> 0:20:58.960
<v Speaker 2>And I did that and she was like, make sure

0:20:59.119 --> 0:21:04.440
<v Speaker 2>you just tweak the cover letter to each employer and

0:21:04.520 --> 0:21:07.200
<v Speaker 2>I was like, oh, that's so much work, but I

0:21:07.560 --> 0:21:11.520
<v Speaker 2>did it anyway. And then I just would flick application

0:21:11.760 --> 0:21:17.720
<v Speaker 2>after application after application of because at some point something's

0:21:17.760 --> 0:21:18.680
<v Speaker 2>going to stick to the wall.

0:21:20.000 --> 0:21:23.240
<v Speaker 4>And then it did. So tell me about that pathway.

0:21:23.840 --> 0:21:27.879
<v Speaker 2>So I am currently a criminal defense and family lawyer.

0:21:28.119 --> 0:21:31.280
<v Speaker 4>Bougie. That sounds so bougie. I love it.

0:21:31.840 --> 0:21:34.560
<v Speaker 2>It has its perks, it does have its downfalls. But

0:21:35.160 --> 0:21:37.560
<v Speaker 2>the job that I'm doing at the moment, I am

0:21:37.720 --> 0:21:42.280
<v Speaker 2>very sad to be leaving. But yeah, absolutely love my job.

0:21:42.320 --> 0:21:42.840
<v Speaker 2>At the moment.

0:21:42.920 --> 0:21:44.880
<v Speaker 3>We're not sad. We're not sad because we've just got

0:21:44.920 --> 0:21:48.680
<v Speaker 3>our new dream job we have. So tell me what

0:21:48.760 --> 0:21:50.440
<v Speaker 3>you're currently being paid and then what you're going to

0:21:50.480 --> 0:21:51.480
<v Speaker 3>get paid in this new role.

0:21:51.800 --> 0:21:55.080
<v Speaker 2>So I'm currently being paid fifty five thousand a year

0:21:55.600 --> 0:22:00.760
<v Speaker 2>with Kiwi Saber. My understanding is my new role is

0:22:00.840 --> 0:22:05.040
<v Speaker 2>going to be sixty thousand a year plus kiwisaver on top,

0:22:05.240 --> 0:22:06.680
<v Speaker 2>I think is what it's going to be.

0:22:07.080 --> 0:22:08.760
<v Speaker 3>Yeah, So tell me a bit more like give me

0:22:08.840 --> 0:22:12.760
<v Speaker 3>a little bit of a I don't know baseline, because

0:22:12.840 --> 0:22:15.159
<v Speaker 3>in Australia, if you said I'm a baby lawyer and

0:22:15.200 --> 0:22:17.800
<v Speaker 3>I'm getting paid fifty five thousand dollars, I would say

0:22:17.840 --> 0:22:20.720
<v Speaker 3>that's about graduate rates. Is that where you're sitting at

0:22:20.760 --> 0:22:23.720
<v Speaker 3>the moment, Like what does the career trajectory look like?

0:22:24.000 --> 0:22:27.280
<v Speaker 3>Like what are your I guess financial goals for your

0:22:27.320 --> 0:22:29.000
<v Speaker 3>career or in general. We'll get to that because I've

0:22:29.000 --> 0:22:29.640
<v Speaker 3>got questions.

0:22:30.119 --> 0:22:33.720
<v Speaker 2>So what I'm being paid is about right for where

0:22:33.800 --> 0:22:39.760
<v Speaker 2>I am. I'm fifteen months into my first job, so

0:22:39.920 --> 0:22:45.399
<v Speaker 2>it's it's pretty on par with graduate role. Unfortunately, criminal

0:22:45.520 --> 0:22:48.359
<v Speaker 2>lawyers don't get paid what they should.

0:22:48.680 --> 0:22:51.240
<v Speaker 3>It's almost like criminals that criminals, and they actually don't

0:22:51.280 --> 0:22:52.040
<v Speaker 3>have heaps of money.

0:22:52.160 --> 0:22:56.040
<v Speaker 2>That's crazy, right, Yeah, I made just between you and I,

0:22:56.240 --> 0:22:58.440
<v Speaker 2>the drunk business is feeling lucrative.

0:22:58.880 --> 0:23:01.560
<v Speaker 4>Well yeah, absolutely, but only if you're successful. If you're

0:23:01.560 --> 0:23:03.119
<v Speaker 4>making it to court, you probably didn't do that.

0:23:03.280 --> 0:23:07.200
<v Speaker 2>Well no, yeah, So at the moment, I do a

0:23:07.280 --> 0:23:10.480
<v Speaker 2>lot of legal aid work and even then we don't

0:23:10.560 --> 0:23:13.760
<v Speaker 2>get paid what we personally should I think we should

0:23:13.840 --> 0:23:17.920
<v Speaker 2>be paid. I can go into court on a Tuesday

0:23:18.200 --> 0:23:20.480
<v Speaker 2>at ten am and I'd walk out. I've had days

0:23:20.480 --> 0:23:23.400
<v Speaker 2>where I've walked out at quarter past five at night

0:23:23.840 --> 0:23:26.720
<v Speaker 2>and in between then I would have been yelled at.

0:23:26.800 --> 0:23:30.240
<v Speaker 2>I've been used. I do have really really lovely clients,

0:23:30.400 --> 0:23:35.359
<v Speaker 2>but everyone's lovely when they need something. But yeah, I

0:23:35.480 --> 0:23:39.000
<v Speaker 2>don't think we get paid enough for what we deal with.

0:23:39.520 --> 0:23:43.560
<v Speaker 2>Reading financial goals, I don't really have a whole lot

0:23:43.600 --> 0:23:48.119
<v Speaker 2>of financial goals for my career. I just have goals,

0:23:48.320 --> 0:23:51.960
<v Speaker 2>if that makes so. I would really like to make

0:23:52.200 --> 0:23:54.960
<v Speaker 2>my small time goal as making partner.

0:23:55.320 --> 0:24:00.040
<v Speaker 4>Small goal. My small goals making partner, okay, sit down.

0:24:00.080 --> 0:24:04.480
<v Speaker 2>On My medium goal is owning my own practice. I

0:24:04.640 --> 0:24:06.720
<v Speaker 2>think that would be pretty sick.

0:24:06.920 --> 0:24:09.159
<v Speaker 3>To put it politely, it is pretty you know what,

0:24:09.320 --> 0:24:11.880
<v Speaker 3>working for yourself is pretty sick. That's how I would

0:24:11.920 --> 0:24:12.760
<v Speaker 3>explain my job.

0:24:13.560 --> 0:24:17.960
<v Speaker 2>And then my big time goal would be becoming a

0:24:18.200 --> 0:24:20.760
<v Speaker 2>judge would be probably my old goal.

0:24:22.080 --> 0:24:24.159
<v Speaker 4>That's a big dog job. How do you become a

0:24:24.240 --> 0:24:25.280
<v Speaker 4>judge in New Zealand?

0:24:25.480 --> 0:24:27.400
<v Speaker 3>Like it's a bit of a different system than Australia,

0:24:27.440 --> 0:24:28.919
<v Speaker 3>but I think that they're pretty similar.

0:24:28.920 --> 0:24:29.520
<v Speaker 4>What do you got to do?

0:24:30.119 --> 0:24:32.840
<v Speaker 2>So my understanding, I don't have a whole lot of

0:24:32.920 --> 0:24:37.520
<v Speaker 2>understanding of how to get to judge level because I

0:24:37.880 --> 0:24:40.040
<v Speaker 2>just a baby, so I haven't quite met that out.

0:24:40.280 --> 0:24:44.800
<v Speaker 2>But my understanding is you can either be nominated or

0:24:44.880 --> 0:24:49.159
<v Speaker 2>you can put your name forward, and then they go

0:24:49.320 --> 0:24:51.840
<v Speaker 2>through this big hold breaking role. They look at what

0:24:51.920 --> 0:24:55.720
<v Speaker 2>you've done over your career, they look at cases you've

0:24:55.760 --> 0:25:02.360
<v Speaker 2>been on, what your impact has essentially been, and in yeah,

0:25:02.480 --> 0:25:05.639
<v Speaker 2>they go yeah, no kind of that's what that's my understanding.

0:25:05.720 --> 0:25:07.800
<v Speaker 2>At least I may be a little bit wrong.

0:25:08.040 --> 0:25:09.520
<v Speaker 3>Do you know what, I'm going to give you some

0:25:09.680 --> 0:25:14.000
<v Speaker 3>unsolicited career advice And if that's what you want to do, fantastic,

0:25:14.080 --> 0:25:16.440
<v Speaker 3>we can do it. Like literally, this skuy's our limit.

0:25:16.680 --> 0:25:18.359
<v Speaker 3>But what I would do is look up all the

0:25:18.440 --> 0:25:21.080
<v Speaker 3>judges that you know and that you respect, look them

0:25:21.160 --> 0:25:23.720
<v Speaker 3>up on LinkedIn, look up their career trajectory and see

0:25:23.720 --> 0:25:26.040
<v Speaker 3>what the hell they've done. So how did they get

0:25:26.080 --> 0:25:28.119
<v Speaker 3>into that position. Yeah, they might have been nominated or

0:25:28.119 --> 0:25:31.080
<v Speaker 3>they nominated themselves, great, but to actually get the role,

0:25:31.600 --> 0:25:32.440
<v Speaker 3>where did they work?

0:25:32.520 --> 0:25:34.880
<v Speaker 4>Did they make partner? And you might start to see

0:25:34.920 --> 0:25:36.159
<v Speaker 4>a theme of okay, So.

0:25:36.440 --> 0:25:40.399
<v Speaker 3>Most judges in my area they go through this semi

0:25:40.560 --> 0:25:44.040
<v Speaker 3>similar career trajectory of doing this job, doing a more

0:25:44.080 --> 0:25:47.119
<v Speaker 3>senior job, making partner, being partner for ten years, then

0:25:47.240 --> 0:25:49.440
<v Speaker 3>doing like this, and it might give you a little

0:25:49.480 --> 0:25:52.720
<v Speaker 3>bit more of a guide of how to get.

0:25:52.600 --> 0:25:53.440
<v Speaker 4>To where you want to go.

0:25:53.920 --> 0:25:55.840
<v Speaker 3>And I give this advice to so many people who

0:25:55.920 --> 0:25:57.960
<v Speaker 3>are like, oh, I really want to be in, you know,

0:25:58.280 --> 0:26:00.639
<v Speaker 3>head of HR, but I I have no idea how

0:26:00.680 --> 0:26:02.320
<v Speaker 3>to get there. And it's like, well, go snoop all

0:26:02.359 --> 0:26:04.840
<v Speaker 3>of the heads of HR and see what their previous

0:26:04.960 --> 0:26:08.159
<v Speaker 3>jobs were. He's twenty twenty five. LinkedIn is free, and

0:26:08.240 --> 0:26:10.480
<v Speaker 3>the only thing you need to worry about when it

0:26:10.560 --> 0:26:13.600
<v Speaker 3>comes to LinkedIn is literally that they might see that

0:26:13.640 --> 0:26:15.600
<v Speaker 3>you were on their profile. And I don't even think

0:26:15.640 --> 0:26:18.000
<v Speaker 3>that's a bad thing, Like a baby lawyer was on

0:26:18.080 --> 0:26:18.760
<v Speaker 3>my profile.

0:26:19.200 --> 0:26:23.920
<v Speaker 2>Yeah great, I'm definitely going to be doing debt because

0:26:23.960 --> 0:26:27.080
<v Speaker 2>there wasn't actually something I've thought about dewa stork.

0:26:27.760 --> 0:26:30.960
<v Speaker 4>It's public information, it's actually market research.

0:26:31.200 --> 0:26:33.320
<v Speaker 2>All looks like I'll be doing that once I finished

0:26:33.359 --> 0:26:33.879
<v Speaker 2>work today.

0:26:34.520 --> 0:26:37.320
<v Speaker 3>Girl, I am sneaky, like I just don't take no

0:26:37.480 --> 0:26:39.440
<v Speaker 3>for an answer. So that's one of the things that

0:26:39.520 --> 0:26:42.280
<v Speaker 3>I've done. Also, I've looked at people who were previously

0:26:42.400 --> 0:26:44.560
<v Speaker 3>in jobs. If I wanted an in to the business,

0:26:44.600 --> 0:26:47.000
<v Speaker 3>and I'd be like, oh my goodness, like connect with them,

0:26:47.119 --> 0:26:49.600
<v Speaker 3>be like, hey, I really wanted an into this business.

0:26:49.640 --> 0:26:50.720
<v Speaker 4>I see that you used to work there.

0:26:50.760 --> 0:26:52.600
<v Speaker 3>Do you know anyone that's still there? And then they

0:26:52.680 --> 0:26:54.800
<v Speaker 3>might go, oh yeah, oh my god, like my friend

0:26:54.880 --> 0:26:57.000
<v Speaker 3>Shari is still there. Let me introduce you to her.

0:26:57.119 --> 0:26:59.080
<v Speaker 4>Wow, I've got a connection in the business. And I

0:26:59.160 --> 0:27:00.480
<v Speaker 4>didn't have to go through the front door.

0:27:00.680 --> 0:27:01.159
<v Speaker 2>I like that.

0:27:01.440 --> 0:27:03.480
<v Speaker 4>If there is a backdoor, I'm finding it.

0:27:04.240 --> 0:27:06.359
<v Speaker 2>I like that. Actually that's really handy.

0:27:06.920 --> 0:27:09.359
<v Speaker 3>I feel like when there is a will, there is

0:27:09.400 --> 0:27:11.320
<v Speaker 3>a way, and you've got to be a little bit sneaky,

0:27:11.560 --> 0:27:14.000
<v Speaker 3>and it turns out you don't just get paid for

0:27:14.080 --> 0:27:16.680
<v Speaker 3>being complacent. So if I want to work with the

0:27:16.720 --> 0:27:18.560
<v Speaker 3>brand or I want to work with the company, and

0:27:18.680 --> 0:27:20.520
<v Speaker 3>like going through the front door isn't working for me,

0:27:21.000 --> 0:27:21.800
<v Speaker 3>I will work it out.

0:27:21.960 --> 0:27:23.520
<v Speaker 4>That is fine. How do you think I got the

0:27:23.520 --> 0:27:24.880
<v Speaker 4>Prime Minister on my podcast?

0:27:25.000 --> 0:27:25.240
<v Speaker 2>Babe?

0:27:25.680 --> 0:27:26.920
<v Speaker 4>You think we went the koshaway?

0:27:27.240 --> 0:27:27.280
<v Speaker 2>No?

0:27:27.920 --> 0:27:29.719
<v Speaker 4>I don't, No, No, where there is a will, there

0:27:29.800 --> 0:27:32.040
<v Speaker 4>is a way anyway. Back to your story.

0:27:33.320 --> 0:27:35.200
<v Speaker 3>You want to be a judge, which is really exciting,

0:27:35.400 --> 0:27:38.320
<v Speaker 3>and you don't really have like solid financial goals for

0:27:38.400 --> 0:27:40.240
<v Speaker 3>your career, but what about your life? What are the

0:27:40.280 --> 0:27:42.400
<v Speaker 3>big money goals you're currently working towards.

0:27:42.840 --> 0:27:48.440
<v Speaker 2>So my short medium term would be paying off my

0:27:48.600 --> 0:27:52.679
<v Speaker 2>car low and my partner apparently wants to look at

0:27:52.800 --> 0:27:57.280
<v Speaker 2>buying a house this year, so probably think about coming

0:27:57.359 --> 0:28:01.680
<v Speaker 2>round to that decision and hea more in depth conversations

0:28:01.720 --> 0:28:05.080
<v Speaker 2>about that. I'd also like to travel more. I've spent

0:28:05.080 --> 0:28:08.840
<v Speaker 2>in the last eight years of my life stuck in Uni.

0:28:09.520 --> 0:28:11.719
<v Speaker 2>I'd like to experience the world a little bit.

0:28:12.800 --> 0:28:14.640
<v Speaker 4>I love that. Tell me. I want to know about

0:28:14.680 --> 0:28:16.600
<v Speaker 4>your partner. What does he do and how much does

0:28:16.680 --> 0:28:17.120
<v Speaker 4>he earn?

0:28:17.400 --> 0:28:18.840
<v Speaker 2>He works in civil construction.

0:28:19.480 --> 0:28:20.840
<v Speaker 4>Okay, that sounds kind of sexy.

0:28:21.119 --> 0:28:24.080
<v Speaker 2>Hey, drive staggers for fun, so he gets to be

0:28:24.160 --> 0:28:26.680
<v Speaker 2>a little boy and a big boy's body all the time.

0:28:27.200 --> 0:28:29.959
<v Speaker 4>Perfect. My son would be very envious.

0:28:30.640 --> 0:28:34.000
<v Speaker 2>Yes, Iver Hin Harvey would love the diggers.

0:28:34.200 --> 0:28:34.680
<v Speaker 4>Every time.

0:28:34.760 --> 0:28:38.320
<v Speaker 3>Every time we see a truck truck truck Yeah, yeah, yeah,

0:28:38.360 --> 0:28:40.240
<v Speaker 3>you're right, we can look at it for ten minutes,

0:28:40.280 --> 0:28:40.840
<v Speaker 3>can we go now?

0:28:42.360 --> 0:28:47.400
<v Speaker 2>Yeah? And he earns, so he's variable because of it's

0:28:47.760 --> 0:28:50.720
<v Speaker 2>very weather based. But I think we worked it out

0:28:50.800 --> 0:28:54.200
<v Speaker 2>that it's seventy to eighty thousands a year is what

0:28:54.280 --> 0:28:57.440
<v Speaker 2>he's on at the moment. He's potentially moving up to

0:28:57.480 --> 0:29:00.800
<v Speaker 2>a more managerial role in the next months, which is

0:29:01.080 --> 0:29:03.800
<v Speaker 2>really really exciting considering he's only been there less than

0:29:03.880 --> 0:29:05.360
<v Speaker 2>six months already. Yeah.

0:29:05.440 --> 0:29:07.280
<v Speaker 3>Perfect, Now, tell me a little bit more about this

0:29:07.400 --> 0:29:11.120
<v Speaker 3>goal of purchasing a home, because if you're on a

0:29:11.240 --> 0:29:13.760
<v Speaker 3>sixty thousand dollars plus Kiwi Saver and then your partner

0:29:13.800 --> 0:29:17.520
<v Speaker 3>earns between seventy to eighty, like, how realistic is home

0:29:17.680 --> 0:29:19.800
<v Speaker 3>ownership for you in New Zealand. I don't know as

0:29:19.880 --> 0:29:22.480
<v Speaker 3>much about the New Zealand market as I know about

0:29:22.520 --> 0:29:23.600
<v Speaker 3>the Australian market.

0:29:24.240 --> 0:29:28.640
<v Speaker 2>So my partner's got a decent chunk in his Kiwi

0:29:28.720 --> 0:29:32.120
<v Speaker 2>Save because he's been working since he was siventay.

0:29:32.440 --> 0:29:34.840
<v Speaker 4>And for context, for those of you listening along in

0:29:35.040 --> 0:29:37.920
<v Speaker 4>New Zealand, your Kiwi Saver is your retirement saver, but

0:29:38.000 --> 0:29:40.600
<v Speaker 4>you're allowed to access the cash that's in it for

0:29:40.680 --> 0:29:43.720
<v Speaker 4>your first home deposit, So like, is that what you've

0:29:43.760 --> 0:29:46.160
<v Speaker 4>been kind of using them for along the way?

0:29:46.640 --> 0:29:50.640
<v Speaker 2>Yeah, So I don't have a lot in my KIV

0:29:50.840 --> 0:29:54.680
<v Speaker 2>Saber because I needed a surgery that I didn't qualify

0:29:54.760 --> 0:29:59.000
<v Speaker 2>for publicly. So I took money out from my kV

0:29:59.120 --> 0:30:01.920
<v Speaker 2>sab to get that, but I do plan on paying

0:30:02.000 --> 0:30:06.440
<v Speaker 2>that back because compound interests and all of that course

0:30:06.640 --> 0:30:10.120
<v Speaker 2>fun stuff that I'm currently listening out on. So we

0:30:10.280 --> 0:30:13.920
<v Speaker 2>will be looking at that, and we're looking at buying

0:30:14.880 --> 0:30:20.040
<v Speaker 2>slightly out of christ Church where the houses seem to

0:30:20.120 --> 0:30:26.040
<v Speaker 2>be more manageable and potentially closer to our reach than

0:30:26.520 --> 0:30:28.120
<v Speaker 2>what buying in christ Church would be.

0:30:28.560 --> 0:30:29.360
<v Speaker 4>Yeah, no, that's fair.

0:30:29.440 --> 0:30:32.600
<v Speaker 3>I'm just interested about your country's market and what that

0:30:32.760 --> 0:30:37.400
<v Speaker 3>looks like and how that would work, and then show Yeah,

0:30:37.520 --> 0:30:41.440
<v Speaker 3>I don't have like New Zealand clients, but like I

0:30:41.560 --> 0:30:44.280
<v Speaker 3>do snoop things and a lot of our KeyWe pals

0:30:44.360 --> 0:30:47.520
<v Speaker 3>ask us a lot of questions about the home buying journey,

0:30:47.760 --> 0:30:52.560
<v Speaker 3>and yours is honestly like your housing prices are astronomical

0:30:52.760 --> 0:30:55.120
<v Speaker 3>at the moment, Like it's actually wild thinking.

0:30:55.240 --> 0:30:56.720
<v Speaker 4>And that's why I was like, is this reasonable? Is

0:30:56.760 --> 0:30:58.640
<v Speaker 4>this logical? Like, I don't know, you're the one that

0:30:58.760 --> 0:30:59.719
<v Speaker 4>might have done the numbers.

0:31:00.200 --> 0:31:03.760
<v Speaker 2>I personally want him to pay off all of his

0:31:04.000 --> 0:31:08.880
<v Speaker 2>dick first before we talk about going into home ownership,

0:31:09.160 --> 0:31:13.320
<v Speaker 2>just because I have heard horror stories of people getting

0:31:13.360 --> 0:31:16.080
<v Speaker 2>to the final stick and the banks like you've still

0:31:16.120 --> 0:31:16.840
<v Speaker 2>got the line. No.

0:31:17.240 --> 0:31:19.400
<v Speaker 3>And that's why I think that even in New Zealand,

0:31:19.440 --> 0:31:21.560
<v Speaker 3>you should be talking to a broker now, so like,

0:31:21.800 --> 0:31:24.840
<v Speaker 3>not necessarily just assuming, but if you're like, oh maybe

0:31:24.880 --> 0:31:26.600
<v Speaker 3>we will maybe we won't, go and talk to a

0:31:26.640 --> 0:31:28.640
<v Speaker 3>broker and be like, what would it take to get

0:31:28.720 --> 0:31:30.600
<v Speaker 3>us into home ownership and they can maybe give you

0:31:30.640 --> 0:31:32.480
<v Speaker 3>a plan, because they might say, you actually need to

0:31:32.480 --> 0:31:34.440
<v Speaker 3>smash down all of this debt and have this amount

0:31:34.520 --> 0:31:37.000
<v Speaker 3>saved and we can take XYZ from your Keywi saver,

0:31:37.120 --> 0:31:38.840
<v Speaker 3>but you're going to need this amount of cash to

0:31:38.880 --> 0:31:41.400
<v Speaker 3>top it up and that would get you a boring

0:31:41.440 --> 0:31:43.800
<v Speaker 3>capacity of five hundred thousand dollars or whatever it is.

0:31:43.960 --> 0:31:48.080
<v Speaker 3>So get your little plan together, Go ask questions, go, go, go,

0:31:48.360 --> 0:31:50.440
<v Speaker 3>because then they will tell you and then you can

0:31:50.520 --> 0:31:52.760
<v Speaker 3>make a plan and then you're not married to this

0:31:52.920 --> 0:31:55.240
<v Speaker 3>idea of oh we might buy next year, and it

0:31:55.280 --> 0:31:58.560
<v Speaker 3>would be so flipping heartbreaking if you're like, we've been

0:31:58.560 --> 0:32:01.000
<v Speaker 3>working towards it really hard and then next year you're like,

0:32:01.200 --> 0:32:03.320
<v Speaker 3>let's buy and a broker's like, no, it's going to

0:32:03.400 --> 0:32:04.000
<v Speaker 3>take you years.

0:32:04.480 --> 0:32:07.560
<v Speaker 2>No, don't do that. I have told him that f

0:32:07.640 --> 0:32:10.200
<v Speaker 2>he is serious about wanting to buy a house, we

0:32:10.320 --> 0:32:13.239
<v Speaker 2>need to go talk to a broker exactly. But I mean,

0:32:13.600 --> 0:32:15.240
<v Speaker 2>he doesn't want to listen to me at the moment.

0:32:15.320 --> 0:32:17.160
<v Speaker 4>So I'm like, okay, well we're not buying a house.

0:32:17.240 --> 0:32:20.560
<v Speaker 4>Buy that's fair. That's absolutely fair.

0:32:21.040 --> 0:32:24.240
<v Speaker 3>Apart from like buying a house and traveling more. Was

0:32:24.240 --> 0:32:26.040
<v Speaker 3>there anything else that you would add to that when

0:32:26.080 --> 0:32:26.920
<v Speaker 3>it comes to money.

0:32:26.720 --> 0:32:29.480
<v Speaker 2>Goals, probably paying off my car loan? Yeah?

0:32:29.560 --> 0:32:31.800
<v Speaker 3>Yeah, I feel like that's a really good one, especially

0:32:31.920 --> 0:32:34.920
<v Speaker 3>before property ownership. All right, let's take a really quick

0:32:34.960 --> 0:32:36.840
<v Speaker 3>break because on the flip side, I want to ask

0:32:36.920 --> 0:32:39.400
<v Speaker 3>a little bit more about investments. I want to know

0:32:39.520 --> 0:32:42.120
<v Speaker 3>a little bit more about this car loan. I need

0:32:42.200 --> 0:32:44.480
<v Speaker 3>to be really pervy and then what your best and

0:32:44.640 --> 0:32:51.719
<v Speaker 3>worst money habits are. So guys don't go anywhere, all right,

0:32:51.760 --> 0:32:53.600
<v Speaker 3>money direst We are back, and I want to dive

0:32:53.720 --> 0:32:57.720
<v Speaker 3>straight into talking about investment, as you guys know wildly

0:32:57.800 --> 0:33:00.520
<v Speaker 3>passionate about that. So I want to know money, darist,

0:33:01.040 --> 0:33:02.680
<v Speaker 3>if you invest what do you invest in?

0:33:02.840 --> 0:33:04.440
<v Speaker 4>If not, why not? What's going on?

0:33:04.880 --> 0:33:08.360
<v Speaker 2>So I have Kiwi savor and I wrote down the

0:33:08.440 --> 0:33:12.680
<v Speaker 2>specific numbers because thank you for coming prepared. I know

0:33:12.840 --> 0:33:16.200
<v Speaker 2>that my favorite money diaries are when they give the

0:33:16.280 --> 0:33:17.400
<v Speaker 2>numbers and I'm like, oh.

0:33:17.760 --> 0:33:20.320
<v Speaker 3>Yeah, but I never press it. I'm always like, whatever

0:33:20.360 --> 0:33:23.080
<v Speaker 3>you're comfortable with, I will take. If you want to

0:33:23.120 --> 0:33:26.360
<v Speaker 3>trash your ex partner, I will take that. If you

0:33:26.400 --> 0:33:28.840
<v Speaker 3>want to give me specific numbers, I'll also take that.

0:33:29.880 --> 0:33:33.080
<v Speaker 2>My keyw WE saver is currently sitting at thirteen one

0:33:33.200 --> 0:33:37.840
<v Speaker 2>hundred and fifteen dollars. I took eight grand out of

0:33:37.920 --> 0:33:41.720
<v Speaker 2>it for my con selectomy and I am planning on

0:33:41.840 --> 0:33:44.880
<v Speaker 2>paying that back once my Carlow has paid back. I

0:33:45.640 --> 0:33:51.320
<v Speaker 2>also have invested in shares and I have one thousand,

0:33:51.360 --> 0:33:53.640
<v Speaker 2>two hundred and ninety one dollars and seventy one seeds

0:33:53.960 --> 0:33:58.960
<v Speaker 2>and at the moment, and I started a majority of

0:33:59.120 --> 0:34:01.840
<v Speaker 2>that probably since I started listening to She's on the Money,

0:34:02.280 --> 0:34:06.360
<v Speaker 2>Oh yay. And I have a regular fifty dollar Fortnite

0:34:06.520 --> 0:34:10.040
<v Speaker 2>investment that goes into it. I have one of the

0:34:10.120 --> 0:34:14.440
<v Speaker 2>automated profiles that shares is have on a fortnightly rotation,

0:34:15.000 --> 0:34:18.480
<v Speaker 2>and then I have ten dollars of punt money, so

0:34:18.600 --> 0:34:21.399
<v Speaker 2>I just chuck that on a random share that I've

0:34:21.440 --> 0:34:23.120
<v Speaker 2>got that's going well at the moment.

0:34:23.360 --> 0:34:26.480
<v Speaker 4>That's fun, especially if it keeps you engaged in investing.

0:34:27.040 --> 0:34:30.040
<v Speaker 2>So it's automated, but I also get that ten dollars

0:34:30.120 --> 0:34:32.799
<v Speaker 2>of fun money where my brain is like, oh, I'm

0:34:32.840 --> 0:34:35.960
<v Speaker 2>spending money, but I'm actually getting dividends for it.

0:34:36.320 --> 0:34:39.480
<v Speaker 3>Yeah money when we're like also investing for our future

0:34:39.600 --> 0:34:41.760
<v Speaker 3>and that's a lot of fun. Is that ten dollars

0:34:41.800 --> 0:34:42.799
<v Speaker 3>per fortnite as well?

0:34:43.400 --> 0:34:47.800
<v Speaker 2>Yes? Yeah, so it's forty dollars gets automatically invested and

0:34:47.880 --> 0:34:50.400
<v Speaker 2>then the ten dollars a fortnight for fun money.

0:34:50.680 --> 0:34:54.040
<v Speaker 3>And and talk to me about how your key receaver

0:34:54.400 --> 0:34:58.800
<v Speaker 3>is constructed. So you guys don't have as structured of

0:34:58.880 --> 0:35:02.560
<v Speaker 3>a system as we do in Australia with superannuation. What

0:35:02.719 --> 0:35:05.960
<v Speaker 3>does your Kiwi saver look like? How is it made up?

0:35:06.440 --> 0:35:10.919
<v Speaker 2>So my Keiwi savor is done through my bank, which

0:35:11.040 --> 0:35:13.759
<v Speaker 2>is one of the big four. I think it a

0:35:13.840 --> 0:35:19.040
<v Speaker 2>big And I am in the growth fund which is

0:35:19.160 --> 0:35:22.480
<v Speaker 2>known for high returns and large ups and downs and

0:35:22.600 --> 0:35:23.399
<v Speaker 2>value love.

0:35:23.480 --> 0:35:25.360
<v Speaker 4>And did you go in and change that or is

0:35:25.440 --> 0:35:28.239
<v Speaker 4>that a default? How did you get into a growth fund?

0:35:28.400 --> 0:35:34.400
<v Speaker 2>So I changed that. We had it was on the

0:35:34.520 --> 0:35:36.800
<v Speaker 2>one that was just slightly lower than that, but I

0:35:36.960 --> 0:35:40.600
<v Speaker 2>was like, I'm twenty seven, I've got time. I'll just

0:35:40.680 --> 0:35:43.719
<v Speaker 2>chuck it in. What's the worst that can happen? And

0:35:45.120 --> 0:35:49.520
<v Speaker 2>I contribute four percent, and my employer contributes as.

0:35:49.400 --> 0:35:52.440
<v Speaker 4>Well I do, And so what kind of percentage does

0:35:52.520 --> 0:35:53.839
<v Speaker 4>your employer contribute?

0:35:54.600 --> 0:35:59.680
<v Speaker 2>I don't actually know the proper percent of what they contribute,

0:35:59.719 --> 0:36:04.040
<v Speaker 2>but moment it's about fifty five dollars a fortnight from them.

0:36:04.960 --> 0:36:06.560
<v Speaker 4>Awesome, all right, talk to me.

0:36:06.719 --> 0:36:09.360
<v Speaker 3>Are there any other investments that we've skipped over that

0:36:09.440 --> 0:36:10.360
<v Speaker 3>we haven't discussed.

0:36:10.480 --> 0:36:12.799
<v Speaker 2>I have savings, but I don't know if you've really

0:36:12.840 --> 0:36:13.840
<v Speaker 2>classed them as.

0:36:13.840 --> 0:36:14.480
<v Speaker 4>I do want to know.

0:36:14.600 --> 0:36:16.440
<v Speaker 3>I was going to ask about debts and then savings,

0:36:16.520 --> 0:36:17.880
<v Speaker 3>but I want to know what is what's in your

0:36:17.920 --> 0:36:20.240
<v Speaker 3>savings account and my emergency account.

0:36:20.719 --> 0:36:24.920
<v Speaker 2>I have one thousand dollars sitting in a term deposit,

0:36:25.640 --> 0:36:28.800
<v Speaker 2>I have eight hundred and sixty one dollars at my

0:36:28.880 --> 0:36:32.360
<v Speaker 2>emergency front, and then I've probably got two three hundred

0:36:32.400 --> 0:36:37.560
<v Speaker 2>dollars sprinkled between the short term savings accounts that I've got.

0:36:38.000 --> 0:36:40.840
<v Speaker 4>And why have you got so many different savings accounts?

0:36:41.239 --> 0:36:43.680
<v Speaker 3>Because before you were like, oh, you know, we've got

0:36:43.760 --> 0:36:45.640
<v Speaker 3>these goals of maybe buying a house and stuff. Are

0:36:45.640 --> 0:36:47.880
<v Speaker 3>they specific savings goals for that or are they just

0:36:48.000 --> 0:36:48.680
<v Speaker 3>random accounts?

0:36:48.719 --> 0:36:50.120
<v Speaker 4>How have you structured your bank.

0:36:50.360 --> 0:36:54.560
<v Speaker 2>So much like what is set out in the shees

0:36:54.600 --> 0:36:57.640
<v Speaker 2>on the money Book. I've got a fund for my

0:36:58.040 --> 0:37:02.040
<v Speaker 2>car account, so ensuring Rejoe, this, that and the next thing.

0:37:02.560 --> 0:37:06.840
<v Speaker 2>I've got a travel account, I've got short term whatever,

0:37:07.480 --> 0:37:10.840
<v Speaker 2>I've got a medium term, and I've got my long.

0:37:10.800 --> 0:37:15.279
<v Speaker 3>Term perfect love. Now talk to me about debt. So

0:37:15.400 --> 0:37:17.799
<v Speaker 3>you mentioned earlier in the episode, I have a car loan.

0:37:17.920 --> 0:37:20.319
<v Speaker 3>I want to know what's your car, what's the debt?

0:37:20.440 --> 0:37:22.399
<v Speaker 3>How did it work? How did we get into having

0:37:22.440 --> 0:37:22.960
<v Speaker 3>a car loan?

0:37:23.360 --> 0:37:27.719
<v Speaker 2>So my car is a twenty fifteen mester Excelo. I

0:37:27.920 --> 0:37:30.839
<v Speaker 2>have nine four hundred and eighty dollars and eighty one

0:37:30.960 --> 0:37:36.160
<v Speaker 2>cents left on the car loan. I got the car

0:37:36.280 --> 0:37:41.880
<v Speaker 2>loan because I was driving a Corolla, but I was

0:37:41.960 --> 0:37:46.840
<v Speaker 2>also driving a significant distance weekly, so I needed a

0:37:46.920 --> 0:37:50.120
<v Speaker 2>newer car that I knew wasn't going to break down

0:37:50.160 --> 0:37:52.719
<v Speaker 2>on me. I got the car loan. I knew that

0:37:53.400 --> 0:37:58.520
<v Speaker 2>I'd be able to service it without putting myself into detriment.

0:37:59.000 --> 0:38:02.640
<v Speaker 2>And I just got it because it's a new car,

0:38:02.760 --> 0:38:04.440
<v Speaker 2>it's only ten years old. I'm going to have it

0:38:04.560 --> 0:38:08.480
<v Speaker 2>for the next hopefully ten plus years. And yeah, it

0:38:08.640 --> 0:38:12.040
<v Speaker 2>just the car loan seemed to be the best option

0:38:12.160 --> 0:38:12.839
<v Speaker 2>for me at the time.

0:38:13.000 --> 0:38:14.600
<v Speaker 3>So the thing is, I think people think I'm like

0:38:14.719 --> 0:38:18.000
<v Speaker 3>real negative on car loans, and yes, I do classify

0:38:18.120 --> 0:38:21.000
<v Speaker 3>them as bad debt. But then when we get into

0:38:21.040 --> 0:38:23.279
<v Speaker 3>our situation, some of us we just need a car loan,

0:38:23.480 --> 0:38:25.800
<v Speaker 3>like we just we do not have the cash to

0:38:25.880 --> 0:38:29.480
<v Speaker 3>go and buy a whole use car outright, like I'm

0:38:29.560 --> 0:38:32.840
<v Speaker 3>not delusional. But what we then need to do is, Okay,

0:38:33.040 --> 0:38:35.200
<v Speaker 3>what is the best situation we can put ourselves in

0:38:35.360 --> 0:38:37.480
<v Speaker 3>for this? And it sounds like you've been really reasonable

0:38:37.520 --> 0:38:40.360
<v Speaker 3>with purchasing a car. What was the purchase price of

0:38:40.400 --> 0:38:43.440
<v Speaker 3>the car if you now own nine four hundred ish dollars,

0:38:43.960 --> 0:38:44.600
<v Speaker 3>so it.

0:38:44.719 --> 0:38:49.200
<v Speaker 2>Was eleven thousand dollars. I sold my Corolla and I

0:38:49.320 --> 0:38:53.120
<v Speaker 2>put one thousand dollars. I transferred them a thousand dollars,

0:38:53.160 --> 0:38:55.759
<v Speaker 2>so I got a ten thousand dollar loan and I

0:38:55.880 --> 0:38:58.840
<v Speaker 2>pay that back fortnightly at one hundred and thirty dollars

0:38:58.880 --> 0:39:03.319
<v Speaker 2>a fortnight. That is going to increase in two weeks

0:39:03.400 --> 0:39:04.560
<v Speaker 2>time because.

0:39:04.719 --> 0:39:05.720
<v Speaker 4>New job, new income.

0:39:05.960 --> 0:39:09.080
<v Speaker 2>Yeah, a new job, more money. And then by that

0:39:09.239 --> 0:39:11.960
<v Speaker 2>point as well, I've got the amount that I want

0:39:12.000 --> 0:39:14.800
<v Speaker 2>in my emergency fund, so I can divert that money

0:39:15.080 --> 0:39:17.960
<v Speaker 2>to the car loan. Get that done. That money can

0:39:18.000 --> 0:39:21.239
<v Speaker 2>then go back to the emergency fund, but that up

0:39:21.320 --> 0:39:24.719
<v Speaker 2>to the two cade mark that I want, and then

0:39:25.239 --> 0:39:25.799
<v Speaker 2>go from there.

0:39:26.360 --> 0:39:28.239
<v Speaker 4>So tell me, do you know the interest rate on

0:39:28.320 --> 0:39:28.879
<v Speaker 4>your car loan?

0:39:29.320 --> 0:39:32.520
<v Speaker 2>Thirteen point sixty five percent? And I got a discount

0:39:32.600 --> 0:39:34.440
<v Speaker 2>on it because I'm a member with the Law Society.

0:39:34.800 --> 0:39:37.879
<v Speaker 4>I love that. Look at her go She's like, actually, yes,

0:39:38.040 --> 0:39:41.320
<v Speaker 4>sit down, Victoria and talk to me. What's the structure

0:39:41.400 --> 0:39:42.360
<v Speaker 4>of that loan? Look like?

0:39:42.560 --> 0:39:45.120
<v Speaker 3>So, is that one thirty per fortnite going to pay

0:39:45.160 --> 0:39:47.319
<v Speaker 3>off the entire car? Will you get three years into

0:39:47.360 --> 0:39:50.080
<v Speaker 3>the loan and have a balloon repayment? How's that going

0:39:50.120 --> 0:39:50.399
<v Speaker 3>to work?

0:39:50.680 --> 0:39:54.359
<v Speaker 2>So that'll just pay the car off completely in how long?

0:39:54.680 --> 0:39:56.640
<v Speaker 2>I think it's four years, but I plan on having

0:39:56.680 --> 0:39:59.080
<v Speaker 2>it paid off by the end of next year, pending

0:39:59.200 --> 0:40:02.239
<v Speaker 2>my funny working the way I want it to.

0:40:03.280 --> 0:40:05.239
<v Speaker 3>No, I like it, And you said something before that

0:40:05.320 --> 0:40:07.480
<v Speaker 3>I think is also really important because I think so

0:40:07.560 --> 0:40:09.320
<v Speaker 3>many of us get hung up on debt reduction.

0:40:09.680 --> 0:40:13.080
<v Speaker 4>And yes, debt reduction is so flipping important. Get out

0:40:13.080 --> 0:40:14.640
<v Speaker 4>of debt. The sooner you get out of debt, the

0:40:14.719 --> 0:40:15.600
<v Speaker 4>sooner you can thrive.

0:40:15.920 --> 0:40:18.839
<v Speaker 3>But I also want you to have an emergency fund

0:40:18.960 --> 0:40:21.440
<v Speaker 3>because if you don't have an emergency fund and something happens,

0:40:21.719 --> 0:40:23.759
<v Speaker 3>we get into more debt and then we create our

0:40:23.800 --> 0:40:26.800
<v Speaker 3>own cycle, and that's really bad. So the idea that

0:40:26.960 --> 0:40:29.879
<v Speaker 3>you are really prioritizing your emergency fund. Yeah, you're paying

0:40:29.920 --> 0:40:31.920
<v Speaker 3>your minimum repayments, but you're gonna bump that up. Like,

0:40:32.360 --> 0:40:34.960
<v Speaker 3>I just think you've got so much strategy. Like I'm

0:40:35.080 --> 0:40:37.440
<v Speaker 3>just like, oh, she does know, Oh what's your interest rate?

0:40:37.520 --> 0:40:40.160
<v Speaker 3>Oh yeah, okay, Like this girl is switched on.

0:40:41.200 --> 0:40:45.400
<v Speaker 2>I combined quite a lot of so I follow a

0:40:45.520 --> 0:40:51.360
<v Speaker 2>reasonable amount of financial people, and I combine bits and

0:40:51.440 --> 0:40:54.279
<v Speaker 2>pieces from each of them. So I've got the Dave

0:40:54.440 --> 0:40:58.400
<v Speaker 2>Ramsey thousand dollars emergency funds being going to the debt reduction.

0:40:58.600 --> 0:41:01.160
<v Speaker 3>Yeah, I don't like Dave Ramsey, not gonna lie. There's

0:41:01.160 --> 0:41:04.040
<v Speaker 3>a bit anyway. We can talk about that one off air.

0:41:06.040 --> 0:41:09.640
<v Speaker 2>But the whole one thousand reduction and then go back

0:41:09.719 --> 0:41:10.919
<v Speaker 2>to the emergency fund.

0:41:10.960 --> 0:41:14.239
<v Speaker 3>That's got the theory is solid. His attitude is not goodbye. No,

0:41:15.200 --> 0:41:18.160
<v Speaker 3>this is just for context. If anybody's like, what's Victoria

0:41:18.280 --> 0:41:21.319
<v Speaker 3>talking about, look up Dave Ramsey on TikTok and see

0:41:21.440 --> 0:41:24.000
<v Speaker 3>all of the content that gets created about him. He's

0:41:24.000 --> 0:41:26.160
<v Speaker 3>the same person that says that people who are in

0:41:26.280 --> 0:41:29.080
<v Speaker 3>debt do not deserve to eat at restaurants and I.

0:41:29.200 --> 0:41:33.439
<v Speaker 4>Just sorry, sorry, get off your high horse. He also

0:41:33.560 --> 0:41:36.440
<v Speaker 4>forces his religious beliefs on his team members, which I

0:41:36.520 --> 0:41:37.400
<v Speaker 4>think is insane.

0:41:37.760 --> 0:41:38.520
<v Speaker 2>I didn't know that.

0:41:39.040 --> 0:41:41.680
<v Speaker 3>Oh gol, I'm going to blow your dams up after this.

0:41:41.880 --> 0:41:44.680
<v Speaker 3>So is his financial advice at the end of the

0:41:44.760 --> 0:41:45.839
<v Speaker 3>day a terrible thing?

0:41:46.080 --> 0:41:46.640
<v Speaker 2>No, you know what.

0:41:46.760 --> 0:41:48.839
<v Speaker 3>He gets lots and lots and lots of people out

0:41:48.880 --> 0:41:51.120
<v Speaker 3>of debt every day. But the way that he often

0:41:51.280 --> 0:41:54.360
<v Speaker 3>drives that is through shame, and I think that is abysmal.

0:41:54.640 --> 0:41:57.279
<v Speaker 2>Yeah. No, you shouldn't be shamed for that kind of thing.

0:41:57.600 --> 0:42:01.080
<v Speaker 4>Absolutely not, like, sorry, you're doing the right thing.

0:42:01.239 --> 0:42:04.080
<v Speaker 3>Like if you were on Dave Ramsey's show, he would say, right, well,

0:42:04.120 --> 0:42:06.040
<v Speaker 3>you can't have a life until your car Loan scorn,

0:42:06.360 --> 0:42:10.840
<v Speaker 3>Like that's embarrassing, that's disappointing, Like he would slam you

0:42:11.440 --> 0:42:13.960
<v Speaker 3>for no good reason, And how does that help anybody?

0:42:14.440 --> 0:42:16.560
<v Speaker 2>No, No, it doesn't help anybody at the end of

0:42:16.600 --> 0:42:17.480
<v Speaker 2>the day anyway.

0:42:17.680 --> 0:42:18.880
<v Speaker 4>Sorry, who else do you follow?

0:42:20.200 --> 0:42:24.080
<v Speaker 2>I follow you, I follow Sammaron. I'm going to pronounce

0:42:24.080 --> 0:42:30.160
<v Speaker 2>the last time role no budget babe. She's an American base.

0:42:30.440 --> 0:42:33.480
<v Speaker 4>Oh she's cool. Yeah, I love I love everybody else.

0:42:33.560 --> 0:42:34.359
<v Speaker 4>You can keep all them.

0:42:35.360 --> 0:42:37.479
<v Speaker 2>She's no shit and I love her. Yeah.

0:42:37.840 --> 0:42:40.239
<v Speaker 4>Yeah, she's very direct. I really love that too.

0:42:40.320 --> 0:42:42.920
<v Speaker 3>And I love talking about these other people, not because

0:42:42.960 --> 0:42:45.600
<v Speaker 3>I like to slam Dave Ramsey, but because other people

0:42:45.680 --> 0:42:47.439
<v Speaker 3>might listen to this podcast and be like, oh, there's

0:42:47.480 --> 0:42:49.279
<v Speaker 3>more people out there that I could engage with this

0:42:49.400 --> 0:42:50.960
<v Speaker 3>type of content with, Like I am.

0:42:51.000 --> 0:42:52.040
<v Speaker 4>Not trying to gatekeep.

0:42:52.520 --> 0:42:55.080
<v Speaker 3>Like, there are so many finance content creators out there,

0:42:55.120 --> 0:42:57.080
<v Speaker 3>and I actually want you guys to follow heaps of

0:42:57.160 --> 0:42:59.879
<v Speaker 3>them because I want you to consistently be thinking about

0:43:00.000 --> 0:43:02.640
<v Speaker 3>there's stuff and taking everybody's advice with a grain of

0:43:02.680 --> 0:43:04.960
<v Speaker 3>salt and working out what works best for you, not

0:43:05.120 --> 0:43:06.760
<v Speaker 3>what Victoria Devine just thinks.

0:43:07.320 --> 0:43:10.080
<v Speaker 4>Yes, because I can be idiot too, so you know

0:43:10.160 --> 0:43:10.799
<v Speaker 4>how it goes.

0:43:11.320 --> 0:43:14.680
<v Speaker 2>Get the whole range of advice from here, there and everywhere.

0:43:14.719 --> 0:43:15.600
<v Speaker 2>Which is pretty cool.

0:43:15.680 --> 0:43:17.520
<v Speaker 4>All right, Do you have any other debts?

0:43:17.880 --> 0:43:20.759
<v Speaker 2>I have my student loan which is currently sitting at

0:43:21.640 --> 0:43:24.840
<v Speaker 2>one hundred and five thousand and sixty nine dollars in.

0:43:24.880 --> 0:43:29.320
<v Speaker 4>Ten Zis that's really sexy or it hurts?

0:43:30.280 --> 0:43:30.560
<v Speaker 2>You know what?

0:43:30.760 --> 0:43:31.480
<v Speaker 4>Really relatable?

0:43:31.520 --> 0:43:31.680
<v Speaker 1>Though?

0:43:31.760 --> 0:43:33.920
<v Speaker 4>Given you have a very very good.

0:43:33.880 --> 0:43:37.480
<v Speaker 3>Higher education, How does student loan debt work for you?

0:43:37.680 --> 0:43:40.080
<v Speaker 3>Do you pay an interest rate? What does that look

0:43:40.200 --> 0:43:41.040
<v Speaker 3>like in your country?

0:43:41.400 --> 0:43:45.000
<v Speaker 2>So it's interest free while you're in New Zealand, but

0:43:45.160 --> 0:43:48.920
<v Speaker 2>if you go overseas and you've got to pay interest

0:43:49.040 --> 0:43:52.759
<v Speaker 2>on it, I'm not entirely sure how much the interest is.

0:43:53.280 --> 0:43:54.200
<v Speaker 4>Don't leave the country.

0:43:54.400 --> 0:43:57.919
<v Speaker 2>I don't know, not at least until it's probably below

0:43:58.000 --> 0:43:58.920
<v Speaker 2>fifty thousand dollars.

0:44:00.000 --> 0:44:03.200
<v Speaker 3>Now, I heard before, at the very start of the

0:44:03.239 --> 0:44:06.319
<v Speaker 3>episode you said I was dancing in the car park

0:44:06.400 --> 0:44:09.880
<v Speaker 3>in my Valentino rockstar shoes and I thought, you're a queen.

0:44:10.040 --> 0:44:12.480
<v Speaker 3>I'm a shoe queen too. I get it, but I

0:44:12.640 --> 0:44:16.160
<v Speaker 3>also need to know how do you save and spend

0:44:16.440 --> 0:44:19.680
<v Speaker 3>on arguably a sixteen hundred dollars pair of shoes. I

0:44:19.760 --> 0:44:22.279
<v Speaker 3>feel like you might be a little bit savvy, so

0:44:22.400 --> 0:44:24.360
<v Speaker 3>I need to do you have any good money tips.

0:44:24.440 --> 0:44:25.399
<v Speaker 3>What's your best money habit?

0:44:25.760 --> 0:44:30.239
<v Speaker 2>Probably the way I shop the groceries. So at the

0:44:30.360 --> 0:44:34.320
<v Speaker 2>moment where I live, so I live in two different places.

0:44:34.440 --> 0:44:37.279
<v Speaker 2>I go back to christ Hitch on the weekends, I

0:44:37.600 --> 0:44:40.560
<v Speaker 2>have pack and save New World countdown in the warehouse,

0:44:40.800 --> 0:44:43.240
<v Speaker 2>all within walking distance, or I drive past.

0:44:43.480 --> 0:44:44.279
<v Speaker 4>Oh money win.

0:44:44.760 --> 0:44:44.960
<v Speaker 3>Yeah.

0:44:45.480 --> 0:44:48.480
<v Speaker 2>I have a spreadsheet where I've got my grocery list

0:44:48.600 --> 0:44:52.800
<v Speaker 2>on one side and the shops on the other, and

0:44:53.200 --> 0:44:57.560
<v Speaker 2>I will spend twenty minutes. I'll go through each website

0:44:57.640 --> 0:45:00.480
<v Speaker 2>and then I'll look at whatever's cheapest, and then I'll

0:45:00.480 --> 0:45:04.759
<v Speaker 2>be like, right, I'm going to peck and save for this.

0:45:05.000 --> 0:45:06.600
<v Speaker 2>I'm going to count down for this. It's in the

0:45:06.640 --> 0:45:10.120
<v Speaker 2>warehouse for this. My partner hates it, but I love it.

0:45:11.160 --> 0:45:14.600
<v Speaker 3>I'm sorry, but you're saving money, Like that's smart and

0:45:14.680 --> 0:45:16.480
<v Speaker 3>if you've got the time and you enjoy doing it,

0:45:16.840 --> 0:45:18.239
<v Speaker 3>that's a great way to do it.

0:45:18.520 --> 0:45:22.480
<v Speaker 2>I've said twenty thirty dollars on groceries before, Oh.

0:45:22.400 --> 0:45:23.960
<v Speaker 4>My god, I'm obsessed.

0:45:24.080 --> 0:45:26.520
<v Speaker 3>And every single week you're like making the time to

0:45:26.600 --> 0:45:29.759
<v Speaker 3>do that, the small things will add up. Like that's

0:45:29.760 --> 0:45:32.000
<v Speaker 3>where you're investing money is coming from. If you're saving

0:45:32.040 --> 0:45:34.000
<v Speaker 3>that per week, like girl, like no wonder you can

0:45:34.040 --> 0:45:36.399
<v Speaker 3>afford to invest and you know, save and pay off

0:45:36.400 --> 0:45:38.720
<v Speaker 3>your car loan and get everything done on a fifty

0:45:38.760 --> 0:45:41.200
<v Speaker 3>five thousand dollars income like you're getting it.

0:45:41.360 --> 0:45:41.960
<v Speaker 4>I love this.

0:45:43.040 --> 0:45:46.680
<v Speaker 2>Yeah, it's all about I don't say priorities, but it's

0:45:46.760 --> 0:45:49.800
<v Speaker 2>important to me and I want to hit the financial

0:45:49.920 --> 0:45:54.000
<v Speaker 2>freedom and I have proven time and time again, but

0:45:54.080 --> 0:45:56.640
<v Speaker 2>I can make a fortnight's worth of food from one

0:45:56.719 --> 0:45:57.279
<v Speaker 2>hundred bucks.

0:45:57.719 --> 0:46:00.920
<v Speaker 4>I am obsessed. Let's bring down the mood, though, what

0:46:01.000 --> 0:46:02.160
<v Speaker 4>do you think your worst money.

0:46:02.040 --> 0:46:05.080
<v Speaker 2>Have it is? I ask my partner this because he

0:46:05.680 --> 0:46:08.480
<v Speaker 2>says that he reckons that I made budget myself too.

0:46:08.960 --> 0:46:13.880
<v Speaker 2>Then so yeah, okay, over the week, everything's accounted for.

0:46:14.360 --> 0:46:19.239
<v Speaker 2>But come the weekend, if I want something, I don't

0:46:19.320 --> 0:46:21.880
<v Speaker 2>not have the money for it, but that money's already

0:46:21.920 --> 0:46:25.880
<v Speaker 2>accounted for. But that's also going to change with the

0:46:25.960 --> 0:46:29.719
<v Speaker 2>new job because I won't be trebling so much. I'm

0:46:29.760 --> 0:46:32.720
<v Speaker 2>going to have that spare money that was already accounted

0:46:32.760 --> 0:46:33.320
<v Speaker 2>for forget.

0:46:33.560 --> 0:46:35.000
<v Speaker 4>Oh that's cool as well.

0:46:35.160 --> 0:46:37.640
<v Speaker 2>Yeah, so most of my expenses are being cut in

0:46:37.719 --> 0:46:41.200
<v Speaker 2>half of this new job, so that money's going to

0:46:41.239 --> 0:46:41.560
<v Speaker 2>be here.

0:46:42.000 --> 0:46:43.960
<v Speaker 3>So talk me through that because I think that's a

0:46:44.000 --> 0:46:46.160
<v Speaker 3>really important thing to discuss, because you're going from a

0:46:46.200 --> 0:46:48.680
<v Speaker 3>fifty five thousand dollars income to a sixty thousand dollar

0:46:48.760 --> 0:46:51.520
<v Speaker 3>income both a plus keywi saver, and a lot of

0:46:51.560 --> 0:46:53.960
<v Speaker 3>people will be like, oh, it's only five grand, but

0:46:54.080 --> 0:46:56.239
<v Speaker 3>did you go ahead and do like a budget and

0:46:56.400 --> 0:46:58.600
<v Speaker 3>work out you know, well, if I take this new job, yes,

0:46:58.640 --> 0:47:00.359
<v Speaker 3>I'm getting a pay rise, but I'm all also going

0:47:00.400 --> 0:47:02.040
<v Speaker 3>to save in all of these other areas, Like, have

0:47:02.120 --> 0:47:04.200
<v Speaker 3>you've done those financials so I.

0:47:04.320 --> 0:47:09.480
<v Speaker 2>Haven't gone down to the dollar yet because I'm you

0:47:09.680 --> 0:47:14.719
<v Speaker 2>sent me the key we say the calculated websites, they

0:47:14.760 --> 0:47:18.520
<v Speaker 2>were pretty on par. But I don't want to budget

0:47:18.600 --> 0:47:23.439
<v Speaker 2>and catch myself out, So I had that buffer where

0:47:24.520 --> 0:47:28.160
<v Speaker 2>my final paycheck from this job is going to be

0:47:28.920 --> 0:47:31.719
<v Speaker 2>the first week of my new job, so all of

0:47:31.800 --> 0:47:34.359
<v Speaker 2>my bells will be accounted for. Also, come the first

0:47:34.440 --> 0:47:37.120
<v Speaker 2>pay I'll be able to be like, Okay, cool, this

0:47:37.320 --> 0:47:40.560
<v Speaker 2>is what I'm looking at. But at the same time,

0:47:40.640 --> 0:47:43.279
<v Speaker 2>I'm also going from paying two lots of rent to

0:47:43.440 --> 0:47:48.120
<v Speaker 2>just one, to paying maybe one hundred bucks per Fortnite

0:47:48.520 --> 0:47:50.240
<v Speaker 2>forgets instead of two hundred dollars.

0:47:50.719 --> 0:47:52.439
<v Speaker 3>Tell me more about that, because you just said something

0:47:52.480 --> 0:47:54.160
<v Speaker 3>that I haven't picked up on before, and that was

0:47:54.200 --> 0:47:55.640
<v Speaker 3>that you're paying two lots of rent?

0:47:56.560 --> 0:47:57.319
<v Speaker 4>Why when? Where?

0:47:57.440 --> 0:47:57.600
<v Speaker 2>How?

0:47:57.760 --> 0:48:00.200
<v Speaker 3>I know that you're living between two places? But how

0:48:00.320 --> 0:48:02.160
<v Speaker 3>does that work logistically?

0:48:02.400 --> 0:48:08.120
<v Speaker 2>So I pay for a flat in South Canterbury, where

0:48:08.160 --> 0:48:11.600
<v Speaker 2>my job is, and I also contribute to rend where

0:48:11.600 --> 0:48:15.160
<v Speaker 2>my partner lives, because I mean it's a glorified storage

0:48:15.239 --> 0:48:17.959
<v Speaker 2>unit at this point in time, point in time because

0:48:18.000 --> 0:48:19.759
<v Speaker 2>it's got all my stuff there, but I'm not there.

0:48:20.000 --> 0:48:24.160
<v Speaker 2>But I only pay one hundred dollars a fortnight for

0:48:24.920 --> 0:48:27.480
<v Speaker 2>the place in christ Church because I'm only there on

0:48:27.560 --> 0:48:30.640
<v Speaker 2>the weekends. I'm not doing a whole lot up. Yeah,

0:48:30.800 --> 0:48:33.120
<v Speaker 2>but that'll change when I move back.

0:48:33.480 --> 0:48:36.000
<v Speaker 3>Yeah, And I'm just being perfect because like I don't

0:48:36.040 --> 0:48:38.839
<v Speaker 3>know the distance. What's the distance between where you work

0:48:39.000 --> 0:48:41.000
<v Speaker 3>and christ Church? Like how long does that take you

0:48:41.080 --> 0:48:41.439
<v Speaker 3>to get.

0:48:41.360 --> 0:48:41.879
<v Speaker 4>To and from?

0:48:42.000 --> 0:48:42.920
<v Speaker 2>About two hours?

0:48:43.440 --> 0:48:45.359
<v Speaker 4>Oh that is a big drive. Yeah.

0:48:45.480 --> 0:48:48.640
<v Speaker 2>Yeah, So I will leave five pm on a Friday,

0:48:48.800 --> 0:48:52.480
<v Speaker 2>I'll get home about even thirty, depending on traffic, and

0:48:52.560 --> 0:48:57.320
<v Speaker 2>then come Monday morning, I'll leave at six And yeah, no,

0:48:57.640 --> 0:49:00.920
<v Speaker 2>definitely not not not fun. But I've done it for

0:49:01.000 --> 0:49:04.040
<v Speaker 2>fifteen months. I did it to get my foot in

0:49:04.120 --> 0:49:07.160
<v Speaker 2>the door, and now I get to move back to

0:49:07.239 --> 0:49:09.120
<v Speaker 2>crash it and I'm not going to have to do

0:49:09.280 --> 0:49:11.480
<v Speaker 2>the two hours worth of driving on a Monday morning.

0:49:11.680 --> 0:49:13.920
<v Speaker 4>That's so exciting, and that means you get to like

0:49:14.000 --> 0:49:17.439
<v Speaker 4>live with your partner permanently. Like ah, I love this view.

0:49:17.520 --> 0:49:20.160
<v Speaker 3>I feel like everything is just getting better and better.

0:49:20.239 --> 0:49:23.040
<v Speaker 3>And it's because you took so much time and put

0:49:23.120 --> 0:49:25.800
<v Speaker 3>in so much energy to like just solidifying this. You

0:49:25.880 --> 0:49:27.840
<v Speaker 3>were so like, no, I am going to get the

0:49:27.920 --> 0:49:29.719
<v Speaker 3>career I want to get, and I am going to

0:49:29.760 --> 0:49:31.160
<v Speaker 3>be able to do it. And yes, I've had to

0:49:31.200 --> 0:49:33.399
<v Speaker 3>make a whole heap of compromises to make this work.

0:49:33.719 --> 0:49:35.919
<v Speaker 3>But like now it just feels like that's not really

0:49:35.960 --> 0:49:37.480
<v Speaker 3>a compromise anymore, is it.

0:49:37.760 --> 0:49:40.400
<v Speaker 2>No. I was talking to my counselor last night and

0:49:40.480 --> 0:49:42.920
<v Speaker 2>I was like, if I took a sit back and

0:49:43.000 --> 0:49:45.800
<v Speaker 2>I looked at my life and I overlaid it to

0:49:46.600 --> 0:49:49.480
<v Speaker 2>the plan that little light year old me had, it's

0:49:49.480 --> 0:49:52.120
<v Speaker 2>stand their spot on. I've got the career, I've got

0:49:52.200 --> 0:49:54.680
<v Speaker 2>the partner, I've got first DAT and the next thing.

0:49:54.719 --> 0:49:56.840
<v Speaker 2>And I'm like, this is actually my dream life? What

0:49:57.120 --> 0:49:59.000
<v Speaker 2>is this? When did this happen.

0:49:59.360 --> 0:50:03.960
<v Speaker 3>I'm and you know what, I just love that, like

0:50:04.160 --> 0:50:07.440
<v Speaker 3>I feel like you remind me of me, where we

0:50:07.640 --> 0:50:10.480
<v Speaker 3>clearly have some insecurities. You said something before that I

0:50:10.520 --> 0:50:12.160
<v Speaker 3>wanted to like pick you up and hug you for

0:50:12.280 --> 0:50:14.520
<v Speaker 3>you like I'm really used to not being liked by people,

0:50:14.600 --> 0:50:17.040
<v Speaker 3>and I was like, no, like you just haven't found

0:50:17.200 --> 0:50:19.520
<v Speaker 3>the right people. You haven't been in the right rooms,

0:50:19.880 --> 0:50:21.680
<v Speaker 3>and if you're in those rooms, like you're in the

0:50:21.719 --> 0:50:22.239
<v Speaker 3>wrong ones.

0:50:22.280 --> 0:50:23.960
<v Speaker 4>That I wanted to pick you up and be like no, no, no,

0:50:24.040 --> 0:50:25.719
<v Speaker 4>no no, but I didn't want to cut you off.

0:50:26.200 --> 0:50:29.080
<v Speaker 3>And like there's just been a lot of like goings

0:50:29.160 --> 0:50:31.640
<v Speaker 3>on and you're like saying, now I have my dream life.

0:50:32.239 --> 0:50:37.279
<v Speaker 3>And it's really proof that money doesn't buy happiness, like

0:50:37.360 --> 0:50:40.160
<v Speaker 3>your personal accomplishment and being able to reflect on where

0:50:40.200 --> 0:50:42.840
<v Speaker 3>you've come from and where you're going, like because a

0:50:42.880 --> 0:50:45.399
<v Speaker 3>lot of people will be like, wow, sixty thousand dollars

0:50:45.480 --> 0:50:47.520
<v Speaker 3>is not going to be enough for me, but like

0:50:47.840 --> 0:50:50.360
<v Speaker 3>you know what's not enough having heaps of money and

0:50:50.440 --> 0:50:52.680
<v Speaker 3>still not being grateful from where you've come from and

0:50:52.760 --> 0:50:55.000
<v Speaker 3>what you're doing, and like you're actually never going to

0:50:55.040 --> 0:50:55.399
<v Speaker 3>be happy.

0:50:55.680 --> 0:50:57.200
<v Speaker 4>And just like listening to you is like.

0:50:57.280 --> 0:50:59.799
<v Speaker 3>Oh my god, yes, queen, like she is leaving her

0:51:00.280 --> 0:51:02.560
<v Speaker 3>life and that is just so cool, and You've got

0:51:02.680 --> 0:51:04.680
<v Speaker 3>so far to go, and I can't wait until you're

0:51:04.719 --> 0:51:07.600
<v Speaker 3>like the sliding into my DMS. I'm a judge now,

0:51:07.680 --> 0:51:10.279
<v Speaker 3>and I'll be like, is this illegal to DM? Like

0:51:10.360 --> 0:51:12.840
<v Speaker 3>are we allowed to talk still? Like it'll be just

0:51:12.960 --> 0:51:16.160
<v Speaker 3>so exciting. At the start of this episode, you said,

0:51:16.360 --> 0:51:19.680
<v Speaker 3>v I reckon, I'm like a B plus or an AS,

0:51:20.480 --> 0:51:22.440
<v Speaker 3>and like that is very good grade to begin with.

0:51:23.080 --> 0:51:25.319
<v Speaker 4>But what would it take to get you to an

0:51:25.360 --> 0:51:25.840
<v Speaker 4>A plus?

0:51:26.239 --> 0:51:31.280
<v Speaker 2>I think potentially getting rid of my carlow with definitely

0:51:31.640 --> 0:51:36.040
<v Speaker 2>help and sorting out my cash flow so I'm not

0:51:37.000 --> 0:51:38.680
<v Speaker 2>caught short at the end of the way.

0:51:39.239 --> 0:51:40.279
<v Speaker 4>Yeah, I'll do that for you.

0:51:40.440 --> 0:51:42.200
<v Speaker 3>I'll give you my money master class and then you

0:51:42.280 --> 0:51:44.480
<v Speaker 3>can go do the money master class right before you

0:51:44.600 --> 0:51:46.719
<v Speaker 3>do your new job, and then you can get all

0:51:46.760 --> 0:51:48.960
<v Speaker 3>of your budget and cash flow and carloon and everything

0:51:49.040 --> 0:51:51.480
<v Speaker 3>sorted and it'll be really attractive. And you already told

0:51:51.520 --> 0:51:53.760
<v Speaker 3>me in the She's on the Money Book, I structure

0:51:53.800 --> 0:51:55.520
<v Speaker 3>my money like this, so it's actually going to work

0:51:55.600 --> 0:51:58.160
<v Speaker 3>for you already because it's the same kind of structure.

0:51:58.440 --> 0:52:00.400
<v Speaker 3>It's just way more gritty, and I do it for you.

0:52:00.840 --> 0:52:03.160
<v Speaker 3>You still will need your spreadsheet for your groceries though,

0:52:03.160 --> 0:52:05.520
<v Speaker 3>because I don't have that level of detail in there.

0:52:05.719 --> 0:52:08.880
<v Speaker 3>But I can do everything else, So let me do that,

0:52:09.000 --> 0:52:10.880
<v Speaker 3>and then your new job it's going to be flawless.

0:52:10.960 --> 0:52:12.239
<v Speaker 4>I'm so excited for you.

0:52:12.600 --> 0:52:14.759
<v Speaker 2>Thank you for that, but I really really appreciate that.

0:52:14.880 --> 0:52:18.359
<v Speaker 6>Actually, oh, I'm so excited for you paying a carlon off,

0:52:18.600 --> 0:52:23.239
<v Speaker 6>and I think potentially having like the fully funded emergency

0:52:23.280 --> 0:52:27.120
<v Speaker 6>fund because I'm so growing up I had the scarcity

0:52:27.200 --> 0:52:31.320
<v Speaker 6>mindset and I had two younger sisters, so my coins

0:52:31.360 --> 0:52:32.799
<v Speaker 6>would disappear.

0:52:32.760 --> 0:52:35.839
<v Speaker 2>So I'm still used to that, Oh it's it's going

0:52:35.880 --> 0:52:39.960
<v Speaker 2>to disappear eventually. So yeah, potentially paying the carlan off

0:52:40.000 --> 0:52:43.200
<v Speaker 2>and sorting the fully funded emergency fund out would bump

0:52:43.280 --> 0:52:44.360
<v Speaker 2>me up a grade into.

0:52:44.680 --> 0:52:46.800
<v Speaker 3>That's so exciting. But I like that You've got so

0:52:46.920 --> 0:52:49.440
<v Speaker 3>much clarity around where you're going and what that looks like.

0:52:49.600 --> 0:52:51.360
<v Speaker 3>You're like, well, actually to get to an A plus.

0:52:51.560 --> 0:52:53.239
<v Speaker 3>Sometimes we talk to people and they're like, oh, I

0:52:53.280 --> 0:52:54.920
<v Speaker 3>don't know, I just don't feel good at it, and

0:52:55.000 --> 0:52:55.680
<v Speaker 3>it's like, well.

0:52:56.080 --> 0:52:58.440
<v Speaker 4>Let's make a plan you can be good at money.

0:52:58.760 --> 0:53:01.000
<v Speaker 3>Like being good at money isn't it up being smart

0:53:01.280 --> 0:53:04.600
<v Speaker 3>or having some kind of financial backing. It's just actually

0:53:04.600 --> 0:53:06.360
<v Speaker 3>about choosing to be good at money and then just

0:53:06.480 --> 0:53:09.600
<v Speaker 3>diving in, like you just choose to and there's no

0:53:09.760 --> 0:53:12.160
<v Speaker 3>start point that feels like the next day you've got

0:53:12.160 --> 0:53:15.960
<v Speaker 3>your shit together. It's literally just one day you decide

0:53:16.200 --> 0:53:18.080
<v Speaker 3>I'm just going to start making small snaps in the

0:53:18.160 --> 0:53:20.680
<v Speaker 3>right direction, and then all of a sudden, you've applied

0:53:20.760 --> 0:53:23.120
<v Speaker 3>for two hundred jobs, you're fifteen months in, you're moving

0:53:23.200 --> 0:53:26.520
<v Speaker 3>to a new area because you've finally got your dream job,

0:53:26.560 --> 0:53:28.000
<v Speaker 3>you get to live with your part I'm just so

0:53:28.440 --> 0:53:31.719
<v Speaker 3>excited about all of this for you. It's making me

0:53:31.960 --> 0:53:35.239
<v Speaker 3>so happy. So thank you so much for sharing this

0:53:35.360 --> 0:53:37.759
<v Speaker 3>journey and this story with me. I feel very very

0:53:37.840 --> 0:53:39.080
<v Speaker 3>privileged to have been a part of it.

0:53:39.360 --> 0:53:42.960
<v Speaker 2>Thank you for being available for big sister advice. Because

0:53:43.440 --> 0:53:46.120
<v Speaker 2>I'm the oldest, so I don't have someone to go

0:53:46.320 --> 0:53:48.000
<v Speaker 2>to for big sister advice.

0:53:48.200 --> 0:53:50.600
<v Speaker 3>I got you, I got you, and I've got everybody

0:53:50.640 --> 0:53:52.560
<v Speaker 3>else who wants to slide into my DMS and be like,

0:53:52.640 --> 0:53:54.759
<v Speaker 3>so what about this? Like I think people think that

0:53:54.840 --> 0:53:57.399
<v Speaker 3>because I've got like some followers or something like, oh,

0:53:57.520 --> 0:54:00.719
<v Speaker 3>she wouldn't want to talk born to Yeah, born to

0:54:01.000 --> 0:54:02.920
<v Speaker 3>give unsolicited advice.

0:54:03.040 --> 0:54:04.239
<v Speaker 4>That's where I thrive best.

0:54:05.000 --> 0:54:08.480
<v Speaker 2>I'd solicited advice advice in my opinion, and I.

0:54:08.520 --> 0:54:10.920
<v Speaker 3>Mean you asked for it, so like wasn't even unsolicited.

0:54:11.040 --> 0:54:13.120
<v Speaker 3>You solicited that advice and I gave it to you

0:54:13.280 --> 0:54:15.960
<v Speaker 3>for free. Anyway, guys, I think that is all we

0:54:16.080 --> 0:54:18.440
<v Speaker 3>have time for today, money Dorist. It has been a pleasure,

0:54:18.520 --> 0:54:20.759
<v Speaker 3>and I just know that the community is going to

0:54:21.000 --> 0:54:23.160
<v Speaker 3>love listening to this episode as much as I loved

0:54:23.239 --> 0:54:26.400
<v Speaker 3>recording it, so I really appreciate it. But for everybody

0:54:26.480 --> 0:54:29.040
<v Speaker 3>following along, we will see you right early on Wednesday

0:54:29.080 --> 0:54:30.120
<v Speaker 3>morning through Deep Dive.

0:54:30.400 --> 0:54:30.680
<v Speaker 6>Bye.

0:54:36.160 --> 0:54:38.680
<v Speaker 5>The advice shared on She's on the Money is general

0:54:38.719 --> 0:54:42.560
<v Speaker 5>in nature and does not consider your individual circumstances. She's

0:54:42.640 --> 0:54:46.040
<v Speaker 5>on the Money exists purely for educational purposes and should

0:54:46.120 --> 0:54:49.280
<v Speaker 5>not be relied upon to make an investment or financial decision.

0:54:49.680 --> 0:54:52.120
<v Speaker 5>If you do choose to buy a financial product, read

0:54:52.160 --> 0:54:55.480
<v Speaker 5>the PDS TMD and obtain appropriate financial.

0:54:55.080 --> 0:54:56.840
<v Speaker 4>Advice tailored towards your needs.

0:54:57.239 --> 0:55:01.120
<v Speaker 5>Victoria Divine and She's on the Money are author representatives

0:55:01.200 --> 0:55:03.560
<v Speaker 5>of money sherper P T y l t D A

0:55:03.719 --> 0:55:06.600
<v Speaker 5>b N three two one six four nine two seven

0:55:06.719 --> 0:55:09.520
<v Speaker 5>seven zero eight a f s L four five one

0:55:09.760 --> 0:55:10.560
<v Speaker 5>two eight nine