Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations
Speaker 1: woman and I'm here to acknowledge country t Glenn Young
Speaker 1: Ganya Niana, Kaka yah Ya bin Ahaka nian Ar gay
Speaker 1: In Mbina yakarum jar dominyamiga Umagahawakawaman damon imlan Bumba bang
Speaker 1: Gadabomba in and now in wakah ghana on yakraum jar Watnadaa. Hello,
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.
Speaker 1: We thank acknowledge and respect the Aberiginal people's land that
Speaker 1: we're gathering on today. Take pleasure in all the land
Speaker 1: and respect all that you see. She's on the Money
Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,
Speaker 1: knowledge and resources for you to thrive.
Speaker 2: She's on the Money. She's on the Money.
Speaker 3: Hello, and welcome to She's on the Money, the podcast
Speaker 3: that lets you be pervy about other people's money situations.
Speaker 4: For educational purposes of course. Welcome back to another one
Speaker 4: of our Money.
Speaker 3: Daries episodes where I get the absolute pleasure of sitting
Speaker 3: down and having a chat with one of our beautiful
Speaker 3: community members all about their journey. Let's jump straight into it,
Speaker 3: because we got a message this week and it sounded
Speaker 3: exactly like this, dear, she's on the money. I went
Speaker 3: from being a small town country kid where there were
Speaker 3: only eight people in my year in primary school to
Speaker 3: being a big tael lawyer who is finding her feet
Speaker 3: financially after applying for two hundred jobs to get.
Speaker 4: My first law job.
Speaker 3: I have savings and investments for the first time, and
Speaker 3: I no longer spend every single cent on random items,
Speaker 3: and of course I have big career goals too. My
Speaker 3: money story is and I would love to share it
Speaker 3: with the community. Money Diarist, Welcome to the show.
Speaker 2: Thank you for having me.
Speaker 3: I'm very excited. People aren't going to know this, but
Speaker 3: I saw your name out producer book to you because
Speaker 3: you obviously had a great story. And then I saw
Speaker 3: your name and I'm like, hey, we're internet friends, like
Speaker 3: we talk in my DMS all the time, and I
Speaker 3: was like kind of low key excited because you've messaged
Speaker 3: me along this career journey of yours.
Speaker 4: Being like, Hey, what should I do here or what
Speaker 4: does this look like?
Speaker 3: And I think we've bonded over it, so I'm excited
Speaker 3: that you've come out of my dms and now you're
Speaker 3: on my show, Like this is so exciting.
Speaker 2: The way I squealed when immering me, I was like,
Speaker 2: no way. And then I've told literally everyone.
Speaker 4: It's a good story.
Speaker 3: And it's one of those things where like I'm obviously
Speaker 3: quite active on socials, but I'm also very active in
Speaker 3: my dms, Like I love having a yap with my community,
Speaker 3: Like it's not you know, I just post random stories
Speaker 3: and then don't reply to you, like if you ask
Speaker 3: me a career question, I'm like, all right, sit down, babe.
Speaker 3: So my thoughts are I have been known to send
Speaker 3: voice notes, I send like attachments, I'll find links on
Speaker 3: the internet for you, Like I just think we're besties
Speaker 3: that haven't met yet, and so I think we became
Speaker 3: like that, and you would ask me all these career questions,
Speaker 3: and I remember always saying, like, girl, this is so common.
Speaker 4: Stop stressing.
Speaker 3: And so now I'm glad that we're talking about this
Speaker 3: on the podcast because I'm hoping that those dms become
Speaker 3: an episode that help other people feel confident going through this,
Speaker 3: because it can be heartbreaking to be like I applied
Speaker 3: for two hundred jobs like so many people would have
Speaker 3: given up before then.
Speaker 2: Right, Yeah, I am definitely known for my grit end
Speaker 2: my never giving up. But if I could just even
Speaker 2: help one baby, lawere, just know that it's so common,
Speaker 2: you will. I love it.
Speaker 3: So our friend from across the Ditch is on the
Speaker 3: show now to give us a lot of confidence. But
Speaker 3: before we get there, and before I dive further into
Speaker 3: your story, my Nita Aust, I need to know what
Speaker 3: grade'd you grade your habits from A three to F
Speaker 3: If I forced you to give them a grade.
Speaker 2: I would give myself either an A minus or a
Speaker 2: B plus. Considering where I've come from, I'm definitely reckon.
Speaker 2: I'd be about an ANS B plus good of range.
Speaker 3: I'm very excited to learn more about this. I know
Speaker 3: a little bit about you, but now's your time to shine.
Speaker 4: Tell me. Tell me a little bit more about your
Speaker 4: money story.
Speaker 2: So I grew up in a very small town North
Speaker 2: y Keatto, much like what my money story. See if
Speaker 2: here was eight of us in my class. So when
Speaker 2: I started having big city dreams, it was you're not
Speaker 2: good enough, you won't make it. Tall poppy syndrome was
Speaker 2: rife that kind of thing, and I grew up in
Speaker 2: a i'd say probably middle class sort of household. We
Speaker 2: weren't riding the poverty line, but we also weren't going
Speaker 2: on yearly holidays. We weren't splurging on big items and
Speaker 2: that kind of thing. Money was never really talked about either,
Speaker 2: So I would pick up on signals from my parents,
Speaker 2: and I knew that money was tight, but it wasn't
Speaker 2: talked about still. And then I moved from the Northway
Speaker 2: Heado to chrish It with five hundred dollars to my
Speaker 2: name and a dream of somehow I'm going to make it.
Speaker 2: I don't know how, I don't know when, but I will.
Speaker 2: I started a Bachelor of Law after working out that
Speaker 2: law is a lot easier than forensic science. Oh yeah.
Speaker 2: I was doing chemistry papers and not doing very good.
Speaker 2: But my law papers I just found so much easier.
Speaker 2: I don't know how that makes sense, but it does
Speaker 2: for me.
Speaker 3: What do you mean it doesn't like that makes a
Speaker 3: lot of sense, Like you just have an area that
Speaker 3: you flourish here. Yeah, it's like some people they're like, girl,
Speaker 3: I couldn't do financial management, what the hell? But I'm
Speaker 3: actually really good at marketing and economics, like we all
Speaker 3: just have something that somehow just makes sense to the
Speaker 3: way that our brain is wired.
Speaker 2: Had just clicked and off I went. In the end.
Speaker 2: During my four years at Yoni, I dealt with my
Speaker 2: dad being terminally ill. As you know, he's from our Deans.
Speaker 2: He's going down hellative care end of life at the moment,
Speaker 2: which is really sad and hard, but unfortunately it is
Speaker 2: the way of life. My ex fiance was in a
Speaker 2: motorcycle accident and almost died, and I set exams on
Speaker 2: the hospital.
Speaker 3: For you literally cannot say that you're not committed to
Speaker 3: your studies or your career, like no knowing you in
Speaker 3: the background, like this woman, holy gockamole, Like she's told
Speaker 3: me so much about it, which I'm so grateful for,
Speaker 3: but I'm just like, sorry, what do you know what
Speaker 3: I would have been doing trying to get an exemption,
Speaker 3: like trying to get out of it, like not doing it.
Speaker 3: And you're like, oh no, Like I could do it
Speaker 3: on the hospital floor, that's fine. I was like, is
Speaker 3: that even an option?
Speaker 2: You just your make though, And I attribute the way
Speaker 2: I am to my mother. When I was in high school,
Speaker 2: my dad had a workplace accident and slipped into depression,
Speaker 2: in a very very bad depression. So my mum became
Speaker 2: a single mum. Well dad was there, but she took
Speaker 2: over the reins of e briefing and I think I
Speaker 2: only ever saw her breakdown maybe twice that entire time.
Speaker 2: And during that time, I was the feral teenage daughter
Speaker 2: and she had my two sisters to deal with at
Speaker 2: the same time. And I think watching her strength is
Speaker 2: what gave me my strength to be like ohnh that's
Speaker 2: just the way I life. And then I got my
Speaker 2: law degree, which is probably one of the most exciting
Speaker 2: days of my life.
Speaker 4: You're from a small town.
Speaker 3: I didn't ask before, but what did your parents do, Like,
Speaker 3: was this something where they had higher education as well,
Speaker 3: or are you like one of the first in the
Speaker 3: family to go through that journey.
Speaker 2: I'm one of the first in the family.
Speaker 4: That's so sick, isn't it.
Speaker 2: My mum was a horse trainer growing up, and then
Speaker 2: she moved into dairy farming and that kind of thing
Speaker 2: as a kid. My dad did dairy farming and truck driving,
Speaker 2: and then he had his accident and didn't work for
Speaker 2: ten plus years, and then he ended up working for
Speaker 2: a government role and has only recently retired in the
Speaker 2: last four years.
Speaker 4: I hate so.
Speaker 2: Yeah, I'm the first one to go to UNI, the
Speaker 2: first one to get a big girl degree, and it
Speaker 2: was definitely the biggest middle finger to everyone that I
Speaker 2: grew up with that said you wouldn't amount to anything.
Speaker 4: And did your parents love that?
Speaker 3: Because like, I just I know my parents were really
Speaker 3: proud of me, and like, I went through that journey,
Speaker 3: but I didn't face nearly as much adversity.
Speaker 4: Were they like jumping for joy? Because I just would
Speaker 4: have been like, yeah, that's my daughter. She's gonna be
Speaker 4: a lawyer, Like, ah, how cool.
Speaker 2: Yeah, that was definitely my parents. The day I graduated,
Speaker 2: I was dancing in the car park in my sixteen
Speaker 2: hundred dollars Valentino rock duds.
Speaker 4: Yeah, yeah, I love this for you so much.
Speaker 2: And then yes, I got my law degree. I then
Speaker 2: was teaching and dairy farming to bring money in because
Speaker 2: those don't stop.
Speaker 3: No, that's crazy, rude. I didn't you just show them
Speaker 3: your degree and they just waved away bills?
Speaker 2: No, unfortunately not. I did try that. Yeah, and I
Speaker 2: was applying for job after job after job from I
Speaker 2: think didn't need in right up to Auckland, including my hometown.
Speaker 2: Despite the fake I said.
Speaker 4: I'd need a return, but like I would for a
Speaker 4: good job.
Speaker 2: Yeah, and I given a chance in South Canterbury, and
Speaker 2: me and my partner went from living together and working
Speaker 2: together to not living together and not working together and
Speaker 2: going long distance. And now I get to be grace
Speaker 2: with my presence again because I'm moving back.
Speaker 3: Absolutely talk to me about You said that your ex
Speaker 3: fiance was in a motorcycle accident, nearly died. You did
Speaker 3: your exams on the hospital floor. What happened there with
Speaker 3: that relationship was us another spanner in the works before
Speaker 3: meeting the one that you are going to marry.
Speaker 2: So we met just before I moved to christ Itch
Speaker 2: and he moved down with me, and it was all
Speaker 2: well and good. The relationship was just popping along as
Speaker 2: it does. I don't think his sister or his mother
Speaker 2: liked me very much.
Speaker 4: They've just got terrible taste. It's fine.
Speaker 2: And then he crashed one of my cars. I didn't
Speaker 2: think much of it. And then he had a motorcycle
Speaker 2: accident one morning on his way to work, and he
Speaker 2: had one of the worst open book pubt fractures that
Speaker 2: his doctors had ever seen. Oh god, basically yeah, absolutely harrafic.
Speaker 2: He had to learn how to rewalk, He had to learn,
Speaker 2: like relearn everything. And the accident itself wasn't exactly the
Speaker 2: beginning of the end, but it was his attitude towards
Speaker 2: at all. So I very vividly remember the day of
Speaker 2: the accident. His phone was smashed, so I let him
Speaker 2: borrow mine to talk to his mum, and at the
Speaker 2: same time he was looking on trade me to buy
Speaker 2: a new bike, and I was like, you almost died.
Speaker 4: Can we not do this right now?
Speaker 2: Can you take five seconds to be like, holy shit,
Speaker 2: this has just happened. And then he crashed a second
Speaker 2: car of mine, which was my first adult car that
Speaker 2: I had managed to buy myself, And that was sort
Speaker 2: of the beginning of the end. And I very vividly
Speaker 2: remember paying for the deposit for the celebrant and I
Speaker 2: had my drinks and everything at this point in time,
Speaker 2: and my gap just going you and making a mistake,
Speaker 2: do not do this. And it was then and there
Speaker 2: that I was like, now I'm done.
Speaker 3: There was just something that you were like this like,
Speaker 3: because it's not about the accidents and I know that
Speaker 3: what you've said, and I'm just trying to read between
Speaker 3: the lines here a little bit. I know what you've
Speaker 3: said is like, you know, he crashed my car, So
Speaker 3: like if my husband crashed my car, I feel like
Speaker 3: my attitude is going to be very different because I'd
Speaker 3: be like, holy shit, like you're my husband and I'm
Speaker 3: obsessed with you and like, you know, but I'm assuming
Speaker 3: that it wasn't that he crushed your car. It was
Speaker 3: probably the attitude around the entitlement of crashing.
Speaker 4: Your car and how that worked and all, like is
Speaker 4: that right?
Speaker 3: If I'm reading between those lines that it wasn't like
Speaker 3: that he crushed your car, because I feel like if
Speaker 3: I crashed your car, you'd be like, oh my god,
Speaker 3: the like what happened?
Speaker 4: Are you okay?
Speaker 3: Like let's get through insurance and we'd work it out.
Speaker 3: I wouldn't stop being my friend I crushed your car.
Speaker 3: So is that the right pathway that my brain is
Speaker 3: going down?
Speaker 2: Definitely the entitlement. I'm trying really hard not to because
Speaker 2: he's not a bad guy. It's just his attitude was.
Speaker 4: Just you're anonymous right now, so you could trash this
Speaker 4: man and I would allow it.
Speaker 3: But I think it's important because it's interesting and I'm
Speaker 3: just stepping aside. Maybe this is a little side quest conversation. Obviously,
Speaker 3: I've got shees on the Money, and you listen to
Speaker 3: this stuff because you want financial literacy, and you're so
Speaker 3: interested in people's money stories, but intertwined into our money stories,
Speaker 3: our life journey and our life stories. And I've just
Speaker 3: had so many messages historically of people saying, oh my god,
Speaker 3: like I worked out that I didn't and this is
Speaker 3: so sad, but I worked out that I didn't want
Speaker 3: to be with my husband anymore. I didn't want to
Speaker 3: be my person anymore because this money darist was talking
Speaker 3: about what their partner was saying and how their partner
Speaker 3: was treating them, and I was like, you shouldn't put
Speaker 3: up with that, And then I realized I was putting
Speaker 3: up with that. I was like, oh my god, awful.
Speaker 3: But I think it's so important that when we talk
Speaker 3: about these money stories, we're intertwining real life events and like,
Speaker 3: you know, a little bit more context so that we
Speaker 3: can genuinely learn, which is one of the reasons why
Speaker 3: I love that they're anonymous.
Speaker 4: Yeah, because you.
Speaker 3: Could be like this guy cheated on me, did this,
Speaker 3: did that, And you know, I want the goss, so
Speaker 3: I want the juice. And yes, we're not going to
Speaker 3: trash talk somebody that you don't want a trash talk.
Speaker 3: But I also think it's like, let's read between the
Speaker 3: lines here a little bit. There clearly was something more
Speaker 3: than oh, he just crashed my car. So I broke
Speaker 3: up with him going on because I wouldn't want someone
Speaker 3: to listen to that and just pragmatically go, well that's
Speaker 3: what she said.
Speaker 2: So no. So he was so blase about the fact
Speaker 2: that he had crashed two of the three cars owned,
Speaker 2: and his attitude was the bike accident where he almost died.
Speaker 2: And I was at the hospital eight am to eight
Speaker 2: pm every day with him, helping him learn how to
Speaker 2: free walk, deal with the hospital, the said and the
Speaker 2: next thing, and then his mum would swoop and take
Speaker 2: over and he'd be so grateful for her, But at
Speaker 2: the end of the day, it was like, Okay, I'm
Speaker 2: the one putting everything.
Speaker 4: On whole being taken for granted here, what.
Speaker 2: The actual hell is going on? I was there so
Speaker 2: often that some of the very lovely nurses would actually
Speaker 2: order me dinner as well. They were brilliant. They were
Speaker 2: probably the people that got me through. But yeah, I
Speaker 2: couldn't deal with the attitude. And no matter how much
Speaker 2: I asked for counseling, this, that, and the next thing
Speaker 2: to work through it, he just didn't care until I
Speaker 2: told him I was done. And then he was like, Oh,
Speaker 2: go to counseling. I'll do this, I'll do that.
Speaker 4: I'm like, no, I'm too late.
Speaker 2: I've been asking you that for six months. I'm done. Fair.
Speaker 4: So then you met the love of your life? Yes,
Speaker 4: and how did you meet them?
Speaker 2: So? I coached his little brother's football team, and it's
Speaker 2: definitely a meet care. Yes, I coached his little brother's
Speaker 2: football team, and his little brother was at boarding school
Speaker 2: and their parents had gone overseas, and I needed to
Speaker 2: pick I'll call him Pip Squeak because that's his nickname,
Speaker 2: and there's only a handful of people that know that
Speaker 2: I call him. I picked Pip Squeak up from his brother.
Speaker 4: That's such a key we nickname. I'm loving this.
Speaker 2: I call him Pip Squeak because when I met him,
Speaker 2: he was shorter than I am. Now I have to
Speaker 2: look up and not finished growing yet. So he's going
Speaker 2: through so much taller than what he is. So yeah,
Speaker 2: I picked Pip Squeak up from my now partner and
Speaker 2: that afternoon I was like, I was sitting here, I
Speaker 2: was thinking. I was like, huh, he's kind of cute.
Speaker 2: I just continued a conversation.
Speaker 4: You got a cute brother? Nice?
Speaker 2: Yeah, and he thought similar and he shot his shot.
Speaker 2: I was like, ah, if you want me to repay
Speaker 2: the coffee favor, just you know, because I had brought
Speaker 2: him a coffee that morning, just to be nice because
Speaker 2: I was we were meeting at Starbucks and who would
Speaker 2: have thought three years later, here.
Speaker 3: We are a door or I love that? Do you
Speaker 3: want me to repay the coffee favor? Doesn't mean that
Speaker 3: we get to go get coffee?
Speaker 4: Toget that.
Speaker 2: Yeah, that was pretty much.
Speaker 5: I love this.
Speaker 3: I literally love love like I would love a whole
Speaker 3: podcast on just like how people meet.
Speaker 4: Like my story is kind of boring. I met my
Speaker 4: husband on Tinder, so like when I ask other people
Speaker 4: and you didn't meet on Titter, I'm like, oh my god,
Speaker 4: tell me how did it work?
Speaker 3: Because like I'm so blast in real life, like someone
Speaker 3: could have been like, I really like you and I'll
Speaker 3: be like, yes as a friend.
Speaker 4: Goodbye with that.
Speaker 3: Yeah, So moving on from that, that's kind of like,
Speaker 3: I guess your money story and where you've come from.
Speaker 3: Tell me a little bit more about today. So what
Speaker 3: happens when you have to apply for two hundred different jobs?
Speaker 3: I feel like that would be really hard, especially on
Speaker 3: your confidence.
Speaker 2: It is so hard. I remember setting a rejiction email
Speaker 2: after addiction email, being like and looking back, now, it's
Speaker 2: not about you, it's about the situation. Were just not
Speaker 2: a good set for the job. But at the time,
Speaker 2: I was like, what is it about me that they
Speaker 2: don't want?
Speaker 6: It?
Speaker 2: Tore into that little light year old that got told
Speaker 2: she wasn't going to amount to anything.
Speaker 4: No, I hate that.
Speaker 2: But there was just this little voice in the back
Speaker 2: of my head going, there are far too many people
Speaker 2: sitting here waiting for you to fail.
Speaker 3: Keep going yeah, And it's rough because I think you
Speaker 3: take it so personally, but like, at the end of
Speaker 3: the day, it's genuinely not personal.
Speaker 4: And like the job hunting period of time, you go, oh,
Speaker 4: it must be me, you know what.
Speaker 3: They must have seen straight through my resume, into my
Speaker 3: personality and into my soul, and that's what they don't
Speaker 3: like and in reality, I'm so sorry to downplay it
Speaker 3: to this, but you were one of hundreds of applicants
Speaker 3: with exactly the same flipping degree and it probably had
Speaker 3: nothing to do with you personally and everything to do
Speaker 3: with luck or application timelines or oh my god, like
Speaker 3: their dad used to be a lawyer as well, and
Speaker 3: they got to do a little internship at a law firm,
Speaker 3: and you didn't have that because you had parents who
Speaker 3: grew up dairy farming. Like, it's literally not about you.
Speaker 3: But how weird is it that we jumped to this
Speaker 3: idea that must be about my personality?
Speaker 4: How did they know?
Speaker 3: How did they look into my soul and see the
Speaker 3: things that I am self conscious about and hate that too.
Speaker 2: I don't know what it is, but it was just
Speaker 2: straight to the a stagger through the heart. I couldn't
Speaker 2: get over it. I was like, this sucks, And if
Speaker 2: it weren't for my partner, I'd be like, I could go.
Speaker 2: There are other jobs out there, Someone sometime somewhere is
Speaker 2: going to give you a chance.
Speaker 3: Exactly, And like applying for two hundred, that's a long slog.
Speaker 3: Tell me a bit about this, like process, though you're
Speaker 3: applying for two hundred jobs. Right, How long a period
Speaker 3: was that?
Speaker 2: Was that?
Speaker 4: Like you did that all in one week? Did you
Speaker 4: do that in a couple of months?
Speaker 2: Probably between a year and a half to two years. Yeah,
Speaker 2: So from the time I graduated to getting this job.
Speaker 3: Yeah, And so tell me a little bit more about
Speaker 3: your strategy. So did you change your resume? Did you
Speaker 3: update things? Because, like you know, if you and I
Speaker 3: always talk to people about this, like your resume might
Speaker 3: not be terrible, but it might just be hitting the
Speaker 3: mark in your particular industry. Were you like redoing your
Speaker 3: resume or changing the way you do cover it as well?
Speaker 3: Were you just like, you know what, I'm just going
Speaker 3: to have at it and it's the same as you
Speaker 3: may for the entire two years.
Speaker 2: It was a bit of both. I was very very lucky.
Speaker 2: I went to lunch with a friend and her daughter's
Speaker 2: father and we were discussing me applying for law jobs,
Speaker 2: and he goes, oh, I know someone at all firm.
Speaker 2: I'll put you in contact. And then I went to
Speaker 2: a conference. I met this very lovely lady. We had
Speaker 2: a chat and she went over my resume with me
Speaker 2: and she went change this, like make it bullet points,
Speaker 2: don't make it pages. That's that and the next thing.
Speaker 2: And I did that and she was like, make sure
Speaker 2: you just tweak the cover letter to each employer and
Speaker 2: I was like, oh, that's so much work, but I
Speaker 2: did it anyway. And then I just would flick application
Speaker 2: after application after application of because at some point something's
Speaker 2: going to stick to the wall.
Speaker 4: And then it did. So tell me about that pathway.
Speaker 2: So I am currently a criminal defense and family lawyer.
Speaker 4: Bougie. That sounds so bougie. I love it.
Speaker 2: It has its perks, it does have its downfalls. But
Speaker 2: the job that I'm doing at the moment, I am
Speaker 2: very sad to be leaving. But yeah, absolutely love my job.
Speaker 2: At the moment.
Speaker 3: We're not sad. We're not sad because we've just got
Speaker 3: our new dream job we have. So tell me what
Speaker 3: you're currently being paid and then what you're going to
Speaker 3: get paid in this new role.
Speaker 2: So I'm currently being paid fifty five thousand a year
Speaker 2: with Kiwi Saber. My understanding is my new role is
Speaker 2: going to be sixty thousand a year plus kiwisaver on top,
Speaker 2: I think is what it's going to be.
Speaker 3: Yeah, So tell me a bit more like give me
Speaker 3: a little bit of a I don't know baseline, because
Speaker 3: in Australia, if you said I'm a baby lawyer and
Speaker 3: I'm getting paid fifty five thousand dollars, I would say
Speaker 3: that's about graduate rates. Is that where you're sitting at
Speaker 3: the moment, Like what does the career trajectory look like?
Speaker 3: Like what are your I guess financial goals for your
Speaker 3: career or in general. We'll get to that because I've
Speaker 3: got questions.
Speaker 2: So what I'm being paid is about right for where
Speaker 2: I am. I'm fifteen months into my first job, so
Speaker 2: it's it's pretty on par with graduate role. Unfortunately, criminal
Speaker 2: lawyers don't get paid what they should.
Speaker 3: It's almost like criminals that criminals, and they actually don't
Speaker 3: have heaps of money.
Speaker 2: That's crazy, right, Yeah, I made just between you and I,
Speaker 2: the drunk business is feeling lucrative.
Speaker 4: Well yeah, absolutely, but only if you're successful. If you're
Speaker 4: making it to court, you probably didn't do that.
Speaker 2: Well no, yeah, So at the moment, I do a
Speaker 2: lot of legal aid work and even then we don't
Speaker 2: get paid what we personally should I think we should
Speaker 2: be paid. I can go into court on a Tuesday
Speaker 2: at ten am and I'd walk out. I've had days
Speaker 2: where I've walked out at quarter past five at night
Speaker 2: and in between then I would have been yelled at.
Speaker 2: I've been used. I do have really really lovely clients,
Speaker 2: but everyone's lovely when they need something. But yeah, I
Speaker 2: don't think we get paid enough for what we deal with.
Speaker 2: Reading financial goals, I don't really have a whole lot
Speaker 2: of financial goals for my career. I just have goals,
Speaker 2: if that makes so. I would really like to make
Speaker 2: my small time goal as making partner.
Speaker 4: Small goal. My small goals making partner, okay, sit down.
Speaker 2: On My medium goal is owning my own practice. I
Speaker 2: think that would be pretty sick.
Speaker 3: To put it politely, it is pretty you know what,
Speaker 3: working for yourself is pretty sick. That's how I would
Speaker 3: explain my job.
Speaker 2: And then my big time goal would be becoming a
Speaker 2: judge would be probably my old goal.
Speaker 4: That's a big dog job. How do you become a
Speaker 4: judge in New Zealand?
Speaker 3: Like it's a bit of a different system than Australia,
Speaker 3: but I think that they're pretty similar.
Speaker 4: What do you got to do?
Speaker 2: So my understanding, I don't have a whole lot of
Speaker 2: understanding of how to get to judge level because I
Speaker 2: just a baby, so I haven't quite met that out.
Speaker 2: But my understanding is you can either be nominated or
Speaker 2: you can put your name forward, and then they go
Speaker 2: through this big hold breaking role. They look at what
Speaker 2: you've done over your career, they look at cases you've
Speaker 2: been on, what your impact has essentially been, and in yeah,
Speaker 2: they go yeah, no kind of that's what that's my understanding.
Speaker 2: At least I may be a little bit wrong.
Speaker 3: Do you know what, I'm going to give you some
Speaker 3: unsolicited career advice And if that's what you want to do, fantastic,
Speaker 3: we can do it. Like literally, this skuy's our limit.
Speaker 3: But what I would do is look up all the
Speaker 3: judges that you know and that you respect, look them
Speaker 3: up on LinkedIn, look up their career trajectory and see
Speaker 3: what the hell they've done. So how did they get
Speaker 3: into that position. Yeah, they might have been nominated or
Speaker 3: they nominated themselves, great, but to actually get the role,
Speaker 3: where did they work?
Speaker 4: Did they make partner? And you might start to see
Speaker 4: a theme of okay, So.
Speaker 3: Most judges in my area they go through this semi
Speaker 3: similar career trajectory of doing this job, doing a more
Speaker 3: senior job, making partner, being partner for ten years, then
Speaker 3: doing like this, and it might give you a little
Speaker 3: bit more of a guide of how to get.
Speaker 4: To where you want to go.
Speaker 3: And I give this advice to so many people who
Speaker 3: are like, oh, I really want to be in, you know,
Speaker 3: head of HR, but I I have no idea how
Speaker 3: to get there. And it's like, well, go snoop all
Speaker 3: of the heads of HR and see what their previous
Speaker 3: jobs were. He's twenty twenty five. LinkedIn is free, and
Speaker 3: the only thing you need to worry about when it
Speaker 3: comes to LinkedIn is literally that they might see that
Speaker 3: you were on their profile. And I don't even think
Speaker 3: that's a bad thing, Like a baby lawyer was on
Speaker 3: my profile.
Speaker 2: Yeah great, I'm definitely going to be doing debt because
Speaker 2: there wasn't actually something I've thought about dewa stork.
Speaker 4: It's public information, it's actually market research.
Speaker 2: All looks like I'll be doing that once I finished
Speaker 2: work today.
Speaker 3: Girl, I am sneaky, like I just don't take no
Speaker 3: for an answer. So that's one of the things that
Speaker 3: I've done. Also, I've looked at people who were previously
Speaker 3: in jobs. If I wanted an in to the business,
Speaker 3: and I'd be like, oh my goodness, like connect with them,
Speaker 3: be like, hey, I really wanted an into this business.
Speaker 4: I see that you used to work there.
Speaker 3: Do you know anyone that's still there? And then they
Speaker 3: might go, oh yeah, oh my god, like my friend
Speaker 3: Shari is still there. Let me introduce you to her.
Speaker 4: Wow, I've got a connection in the business. And I
Speaker 4: didn't have to go through the front door.
Speaker 2: I like that.
Speaker 4: If there is a backdoor, I'm finding it.
Speaker 2: I like that. Actually that's really handy.
Speaker 3: I feel like when there is a will, there is
Speaker 3: a way, and you've got to be a little bit sneaky,
Speaker 3: and it turns out you don't just get paid for
Speaker 3: being complacent. So if I want to work with the
Speaker 3: brand or I want to work with the company, and
Speaker 3: like going through the front door isn't working for me,
Speaker 3: I will work it out.
Speaker 4: That is fine. How do you think I got the
Speaker 4: Prime Minister on my podcast?
Speaker 2: Babe?
Speaker 4: You think we went the koshaway?
Speaker 2: No?
Speaker 4: I don't, No, No, where there is a will, there
Speaker 4: is a way anyway. Back to your story.
Speaker 3: You want to be a judge, which is really exciting,
Speaker 3: and you don't really have like solid financial goals for
Speaker 3: your career, but what about your life? What are the
Speaker 3: big money goals you're currently working towards.
Speaker 2: So my short medium term would be paying off my
Speaker 2: car low and my partner apparently wants to look at
Speaker 2: buying a house this year, so probably think about coming
Speaker 2: round to that decision and hea more in depth conversations
Speaker 2: about that. I'd also like to travel more. I've spent
Speaker 2: in the last eight years of my life stuck in Uni.
Speaker 2: I'd like to experience the world a little bit.
Speaker 4: I love that. Tell me. I want to know about
Speaker 4: your partner. What does he do and how much does
Speaker 4: he earn?
Speaker 2: He works in civil construction.
Speaker 4: Okay, that sounds kind of sexy.
Speaker 2: Hey, drive staggers for fun, so he gets to be
Speaker 2: a little boy and a big boy's body all the time.
Speaker 4: Perfect. My son would be very envious.
Speaker 2: Yes, Iver Hin Harvey would love the diggers.
Speaker 4: Every time.
Speaker 3: Every time we see a truck truck truck Yeah, yeah, yeah,
Speaker 3: you're right, we can look at it for ten minutes,
Speaker 3: can we go now?
Speaker 2: Yeah? And he earns, so he's variable because of it's
Speaker 2: very weather based. But I think we worked it out
Speaker 2: that it's seventy to eighty thousands a year is what
Speaker 2: he's on at the moment. He's potentially moving up to
Speaker 2: a more managerial role in the next months, which is
Speaker 2: really really exciting considering he's only been there less than
Speaker 2: six months already. Yeah.
Speaker 3: Perfect, Now, tell me a little bit more about this
Speaker 3: goal of purchasing a home, because if you're on a
Speaker 3: sixty thousand dollars plus Kiwi Saver and then your partner
Speaker 3: earns between seventy to eighty, like, how realistic is home
Speaker 3: ownership for you in New Zealand. I don't know as
Speaker 3: much about the New Zealand market as I know about
Speaker 3: the Australian market.
Speaker 2: So my partner's got a decent chunk in his Kiwi
Speaker 2: Save because he's been working since he was siventay.
Speaker 4: And for context, for those of you listening along in
Speaker 4: New Zealand, your Kiwi Saver is your retirement saver, but
Speaker 4: you're allowed to access the cash that's in it for
Speaker 4: your first home deposit, So like, is that what you've
Speaker 4: been kind of using them for along the way?
Speaker 2: Yeah, So I don't have a lot in my KIV
Speaker 2: Saber because I needed a surgery that I didn't qualify
Speaker 2: for publicly. So I took money out from my kV
Speaker 2: sab to get that, but I do plan on paying
Speaker 2: that back because compound interests and all of that course
Speaker 2: fun stuff that I'm currently listening out on. So we
Speaker 2: will be looking at that, and we're looking at buying
Speaker 2: slightly out of christ Church where the houses seem to
Speaker 2: be more manageable and potentially closer to our reach than
Speaker 2: what buying in christ Church would be.
Speaker 4: Yeah, no, that's fair.
Speaker 3: I'm just interested about your country's market and what that
Speaker 3: looks like and how that would work, and then show Yeah,
Speaker 3: I don't have like New Zealand clients, but like I
Speaker 3: do snoop things and a lot of our KeyWe pals
Speaker 3: ask us a lot of questions about the home buying journey,
Speaker 3: and yours is honestly like your housing prices are astronomical
Speaker 3: at the moment, Like it's actually wild thinking.
Speaker 4: And that's why I was like, is this reasonable? Is
Speaker 4: this logical? Like, I don't know, you're the one that
Speaker 4: might have done the numbers.
Speaker 2: I personally want him to pay off all of his
Speaker 2: dick first before we talk about going into home ownership,
Speaker 2: just because I have heard horror stories of people getting
Speaker 2: to the final stick and the banks like you've still
Speaker 2: got the line. No.
Speaker 3: And that's why I think that even in New Zealand,
Speaker 3: you should be talking to a broker now, so like,
Speaker 3: not necessarily just assuming, but if you're like, oh maybe
Speaker 3: we will maybe we won't, go and talk to a
Speaker 3: broker and be like, what would it take to get
Speaker 3: us into home ownership and they can maybe give you
Speaker 3: a plan, because they might say, you actually need to
Speaker 3: smash down all of this debt and have this amount
Speaker 3: saved and we can take XYZ from your Keywi saver,
Speaker 3: but you're going to need this amount of cash to
Speaker 3: top it up and that would get you a boring
Speaker 3: capacity of five hundred thousand dollars or whatever it is.
Speaker 3: So get your little plan together, Go ask questions, go, go, go,
Speaker 3: because then they will tell you and then you can
Speaker 3: make a plan and then you're not married to this
Speaker 3: idea of oh we might buy next year, and it
Speaker 3: would be so flipping heartbreaking if you're like, we've been
Speaker 3: working towards it really hard and then next year you're like,
Speaker 3: let's buy and a broker's like, no, it's going to
Speaker 3: take you years.
Speaker 2: No, don't do that. I have told him that f
Speaker 2: he is serious about wanting to buy a house, we
Speaker 2: need to go talk to a broker exactly. But I mean,
Speaker 2: he doesn't want to listen to me at the moment.
Speaker 4: So I'm like, okay, well we're not buying a house.
Speaker 4: Buy that's fair. That's absolutely fair.
Speaker 3: Apart from like buying a house and traveling more. Was
Speaker 3: there anything else that you would add to that when
Speaker 3: it comes to money.
Speaker 2: Goals, probably paying off my car loan? Yeah?
Speaker 3: Yeah, I feel like that's a really good one, especially
Speaker 3: before property ownership. All right, let's take a really quick
Speaker 3: break because on the flip side, I want to ask
Speaker 3: a little bit more about investments. I want to know
Speaker 3: a little bit more about this car loan. I need
Speaker 3: to be really pervy and then what your best and
Speaker 3: worst money habits are. So guys don't go anywhere, all right,
Speaker 3: money direst We are back, and I want to dive
Speaker 3: straight into talking about investment, as you guys know wildly
Speaker 3: passionate about that. So I want to know money, darist,
Speaker 3: if you invest what do you invest in?
Speaker 4: If not, why not? What's going on?
Speaker 2: So I have Kiwi savor and I wrote down the
Speaker 2: specific numbers because thank you for coming prepared. I know
Speaker 2: that my favorite money diaries are when they give the
Speaker 2: numbers and I'm like, oh.
Speaker 3: Yeah, but I never press it. I'm always like, whatever
Speaker 3: you're comfortable with, I will take. If you want to
Speaker 3: trash your ex partner, I will take that. If you
Speaker 3: want to give me specific numbers, I'll also take that.
Speaker 2: My keyw WE saver is currently sitting at thirteen one
Speaker 2: hundred and fifteen dollars. I took eight grand out of
Speaker 2: it for my con selectomy and I am planning on
Speaker 2: paying that back once my Carlow has paid back. I
Speaker 2: also have invested in shares and I have one thousand,
Speaker 2: two hundred and ninety one dollars and seventy one seeds
Speaker 2: and at the moment, and I started a majority of
Speaker 2: that probably since I started listening to She's on the Money,
Speaker 2: Oh yay. And I have a regular fifty dollar Fortnite
Speaker 2: investment that goes into it. I have one of the
Speaker 2: automated profiles that shares is have on a fortnightly rotation,
Speaker 2: and then I have ten dollars of punt money, so
Speaker 2: I just chuck that on a random share that I've
Speaker 2: got that's going well at the moment.
Speaker 4: That's fun, especially if it keeps you engaged in investing.
Speaker 2: So it's automated, but I also get that ten dollars
Speaker 2: of fun money where my brain is like, oh, I'm
Speaker 2: spending money, but I'm actually getting dividends for it.
Speaker 3: Yeah money when we're like also investing for our future
Speaker 3: and that's a lot of fun. Is that ten dollars
Speaker 3: per fortnite as well?
Speaker 2: Yes? Yeah, so it's forty dollars gets automatically invested and
Speaker 2: then the ten dollars a fortnight for fun money.
Speaker 3: And and talk to me about how your key receaver
Speaker 3: is constructed. So you guys don't have as structured of
Speaker 3: a system as we do in Australia with superannuation. What
Speaker 3: does your Kiwi saver look like? How is it made up?
Speaker 2: So my Keiwi savor is done through my bank, which
Speaker 2: is one of the big four. I think it a
Speaker 2: big And I am in the growth fund which is
Speaker 2: known for high returns and large ups and downs and
Speaker 2: value love.
Speaker 4: And did you go in and change that or is
Speaker 4: that a default? How did you get into a growth fund?
Speaker 2: So I changed that. We had it was on the
Speaker 2: one that was just slightly lower than that, but I
Speaker 2: was like, I'm twenty seven, I've got time. I'll just
Speaker 2: chuck it in. What's the worst that can happen? And
Speaker 2: I contribute four percent, and my employer contributes as.
Speaker 4: Well I do, And so what kind of percentage does
Speaker 4: your employer contribute?
Speaker 2: I don't actually know the proper percent of what they contribute,
Speaker 2: but moment it's about fifty five dollars a fortnight from them.
Speaker 4: Awesome, all right, talk to me.
Speaker 3: Are there any other investments that we've skipped over that
Speaker 3: we haven't discussed.
Speaker 2: I have savings, but I don't know if you've really
Speaker 2: classed them as.
Speaker 4: I do want to know.
Speaker 3: I was going to ask about debts and then savings,
Speaker 3: but I want to know what is what's in your
Speaker 3: savings account and my emergency account.
Speaker 2: I have one thousand dollars sitting in a term deposit,
Speaker 2: I have eight hundred and sixty one dollars at my
Speaker 2: emergency front, and then I've probably got two three hundred
Speaker 2: dollars sprinkled between the short term savings accounts that I've got.
Speaker 4: And why have you got so many different savings accounts?
Speaker 3: Because before you were like, oh, you know, we've got
Speaker 3: these goals of maybe buying a house and stuff. Are
Speaker 3: they specific savings goals for that or are they just
Speaker 3: random accounts?
Speaker 4: How have you structured your bank.
Speaker 2: So much like what is set out in the shees
Speaker 2: on the money Book. I've got a fund for my
Speaker 2: car account, so ensuring Rejoe, this, that and the next thing.
Speaker 2: I've got a travel account, I've got short term whatever,
Speaker 2: I've got a medium term, and I've got my long.
Speaker 3: Term perfect love. Now talk to me about debt. So
Speaker 3: you mentioned earlier in the episode, I have a car loan.
Speaker 3: I want to know what's your car, what's the debt?
Speaker 3: How did it work? How did we get into having
Speaker 3: a car loan?
Speaker 2: So my car is a twenty fifteen mester Excelo. I
Speaker 2: have nine four hundred and eighty dollars and eighty one
Speaker 2: cents left on the car loan. I got the car
Speaker 2: loan because I was driving a Corolla, but I was
Speaker 2: also driving a significant distance weekly, so I needed a
Speaker 2: newer car that I knew wasn't going to break down
Speaker 2: on me. I got the car loan. I knew that
Speaker 2: I'd be able to service it without putting myself into detriment.
Speaker 2: And I just got it because it's a new car,
Speaker 2: it's only ten years old. I'm going to have it
Speaker 2: for the next hopefully ten plus years. And yeah, it
Speaker 2: just the car loan seemed to be the best option
Speaker 2: for me at the time.
Speaker 3: So the thing is, I think people think I'm like
Speaker 3: real negative on car loans, and yes, I do classify
Speaker 3: them as bad debt. But then when we get into
Speaker 3: our situation, some of us we just need a car loan,
Speaker 3: like we just we do not have the cash to
Speaker 3: go and buy a whole use car outright, like I'm
Speaker 3: not delusional. But what we then need to do is, Okay,
Speaker 3: what is the best situation we can put ourselves in
Speaker 3: for this? And it sounds like you've been really reasonable
Speaker 3: with purchasing a car. What was the purchase price of
Speaker 3: the car if you now own nine four hundred ish dollars,
Speaker 3: so it.
Speaker 2: Was eleven thousand dollars. I sold my Corolla and I
Speaker 2: put one thousand dollars. I transferred them a thousand dollars,
Speaker 2: so I got a ten thousand dollar loan and I
Speaker 2: pay that back fortnightly at one hundred and thirty dollars
Speaker 2: a fortnight. That is going to increase in two weeks
Speaker 2: time because.
Speaker 4: New job, new income.
Speaker 2: Yeah, a new job, more money. And then by that
Speaker 2: point as well, I've got the amount that I want
Speaker 2: in my emergency fund, so I can divert that money
Speaker 2: to the car loan. Get that done. That money can
Speaker 2: then go back to the emergency fund, but that up
Speaker 2: to the two cade mark that I want, and then
Speaker 2: go from there.
Speaker 4: So tell me, do you know the interest rate on
Speaker 4: your car loan?
Speaker 2: Thirteen point sixty five percent? And I got a discount
Speaker 2: on it because I'm a member with the Law Society.
Speaker 4: I love that. Look at her go She's like, actually, yes,
Speaker 4: sit down, Victoria and talk to me. What's the structure
Speaker 4: of that loan? Look like?
Speaker 3: So, is that one thirty per fortnite going to pay
Speaker 3: off the entire car? Will you get three years into
Speaker 3: the loan and have a balloon repayment? How's that going
Speaker 3: to work?
Speaker 2: So that'll just pay the car off completely in how long?
Speaker 2: I think it's four years, but I plan on having
Speaker 2: it paid off by the end of next year, pending
Speaker 2: my funny working the way I want it to.
Speaker 3: No, I like it, And you said something before that
Speaker 3: I think is also really important because I think so
Speaker 3: many of us get hung up on debt reduction.
Speaker 4: And yes, debt reduction is so flipping important. Get out
Speaker 4: of debt. The sooner you get out of debt, the
Speaker 4: sooner you can thrive.
Speaker 3: But I also want you to have an emergency fund
Speaker 3: because if you don't have an emergency fund and something happens,
Speaker 3: we get into more debt and then we create our
Speaker 3: own cycle, and that's really bad. So the idea that
Speaker 3: you are really prioritizing your emergency fund. Yeah, you're paying
Speaker 3: your minimum repayments, but you're gonna bump that up. Like,
Speaker 3: I just think you've got so much strategy. Like I'm
Speaker 3: just like, oh, she does know, Oh what's your interest rate?
Speaker 3: Oh yeah, okay, Like this girl is switched on.
Speaker 2: I combined quite a lot of so I follow a
Speaker 2: reasonable amount of financial people, and I combine bits and
Speaker 2: pieces from each of them. So I've got the Dave
Speaker 2: Ramsey thousand dollars emergency funds being going to the debt reduction.
Speaker 3: Yeah, I don't like Dave Ramsey, not gonna lie. There's
Speaker 3: a bit anyway. We can talk about that one off air.
Speaker 2: But the whole one thousand reduction and then go back
Speaker 2: to the emergency fund.
Speaker 3: That's got the theory is solid. His attitude is not goodbye. No,
Speaker 3: this is just for context. If anybody's like, what's Victoria
Speaker 3: talking about, look up Dave Ramsey on TikTok and see
Speaker 3: all of the content that gets created about him. He's
Speaker 3: the same person that says that people who are in
Speaker 3: debt do not deserve to eat at restaurants and I.
Speaker 4: Just sorry, sorry, get off your high horse. He also
Speaker 4: forces his religious beliefs on his team members, which I
Speaker 4: think is insane.
Speaker 2: I didn't know that.
Speaker 3: Oh gol, I'm going to blow your dams up after this.
Speaker 3: So is his financial advice at the end of the
Speaker 3: day a terrible thing?
Speaker 2: No, you know what.
Speaker 3: He gets lots and lots and lots of people out
Speaker 3: of debt every day. But the way that he often
Speaker 3: drives that is through shame, and I think that is abysmal.
Speaker 2: Yeah. No, you shouldn't be shamed for that kind of thing.
Speaker 4: Absolutely not, like, sorry, you're doing the right thing.
Speaker 3: Like if you were on Dave Ramsey's show, he would say, right, well,
Speaker 3: you can't have a life until your car Loan scorn,
Speaker 3: Like that's embarrassing, that's disappointing, Like he would slam you
Speaker 3: for no good reason, And how does that help anybody?
Speaker 2: No, No, it doesn't help anybody at the end of
Speaker 2: the day anyway.
Speaker 4: Sorry, who else do you follow?
Speaker 2: I follow you, I follow Sammaron. I'm going to pronounce
Speaker 2: the last time role no budget babe. She's an American base.
Speaker 4: Oh she's cool. Yeah, I love I love everybody else.
Speaker 4: You can keep all them.
Speaker 2: She's no shit and I love her. Yeah.
Speaker 4: Yeah, she's very direct. I really love that too.
Speaker 3: And I love talking about these other people, not because
Speaker 3: I like to slam Dave Ramsey, but because other people
Speaker 3: might listen to this podcast and be like, oh, there's
Speaker 3: more people out there that I could engage with this
Speaker 3: type of content with, Like I am.
Speaker 4: Not trying to gatekeep.
Speaker 3: Like, there are so many finance content creators out there,
Speaker 3: and I actually want you guys to follow heaps of
Speaker 3: them because I want you to consistently be thinking about
Speaker 3: there's stuff and taking everybody's advice with a grain of
Speaker 3: salt and working out what works best for you, not
Speaker 3: what Victoria Devine just thinks.
Speaker 4: Yes, because I can be idiot too, so you know
Speaker 4: how it goes.
Speaker 2: Get the whole range of advice from here, there and everywhere.
Speaker 2: Which is pretty cool.
Speaker 4: All right, Do you have any other debts?
Speaker 2: I have my student loan which is currently sitting at
Speaker 2: one hundred and five thousand and sixty nine dollars in.
Speaker 4: Ten Zis that's really sexy or it hurts?
Speaker 2: You know what?
Speaker 4: Really relatable?
Speaker 1: Though?
Speaker 4: Given you have a very very good.
Speaker 3: Higher education, How does student loan debt work for you?
Speaker 3: Do you pay an interest rate? What does that look
Speaker 3: like in your country?
Speaker 2: So it's interest free while you're in New Zealand, but
Speaker 2: if you go overseas and you've got to pay interest
Speaker 2: on it, I'm not entirely sure how much the interest is.
Speaker 4: Don't leave the country.
Speaker 2: I don't know, not at least until it's probably below
Speaker 2: fifty thousand dollars.
Speaker 3: Now, I heard before, at the very start of the
Speaker 3: episode you said I was dancing in the car park
Speaker 3: in my Valentino rockstar shoes and I thought, you're a queen.
Speaker 3: I'm a shoe queen too. I get it, but I
Speaker 3: also need to know how do you save and spend
Speaker 3: on arguably a sixteen hundred dollars pair of shoes. I
Speaker 3: feel like you might be a little bit savvy, so
Speaker 3: I need to do you have any good money tips.
Speaker 3: What's your best money habit?
Speaker 2: Probably the way I shop the groceries. So at the
Speaker 2: moment where I live, so I live in two different places.
Speaker 2: I go back to christ Hitch on the weekends, I
Speaker 2: have pack and save New World countdown in the warehouse,
Speaker 2: all within walking distance, or I drive past.
Speaker 4: Oh money win.
Speaker 3: Yeah.
Speaker 2: I have a spreadsheet where I've got my grocery list
Speaker 2: on one side and the shops on the other, and
Speaker 2: I will spend twenty minutes. I'll go through each website
Speaker 2: and then I'll look at whatever's cheapest, and then I'll
Speaker 2: be like, right, I'm going to peck and save for this.
Speaker 2: I'm going to count down for this. It's in the
Speaker 2: warehouse for this. My partner hates it, but I love it.
Speaker 3: I'm sorry, but you're saving money, Like that's smart and
Speaker 3: if you've got the time and you enjoy doing it,
Speaker 3: that's a great way to do it.
Speaker 2: I've said twenty thirty dollars on groceries before, Oh.
Speaker 4: My god, I'm obsessed.
Speaker 3: And every single week you're like making the time to
Speaker 3: do that, the small things will add up. Like that's
Speaker 3: where you're investing money is coming from. If you're saving
Speaker 3: that per week, like girl, like no wonder you can
Speaker 3: afford to invest and you know, save and pay off
Speaker 3: your car loan and get everything done on a fifty
Speaker 3: five thousand dollars income like you're getting it.
Speaker 4: I love this.
Speaker 2: Yeah, it's all about I don't say priorities, but it's
Speaker 2: important to me and I want to hit the financial
Speaker 2: freedom and I have proven time and time again, but
Speaker 2: I can make a fortnight's worth of food from one
Speaker 2: hundred bucks.
Speaker 4: I am obsessed. Let's bring down the mood, though, what
Speaker 4: do you think your worst money.
Speaker 2: Have it is? I ask my partner this because he
Speaker 2: says that he reckons that I made budget myself too.
Speaker 2: Then so yeah, okay, over the week, everything's accounted for.
Speaker 2: But come the weekend, if I want something, I don't
Speaker 2: not have the money for it, but that money's already
Speaker 2: accounted for. But that's also going to change with the
Speaker 2: new job because I won't be trebling so much. I'm
Speaker 2: going to have that spare money that was already accounted
Speaker 2: for forget.
Speaker 4: Oh that's cool as well.
Speaker 2: Yeah, so most of my expenses are being cut in
Speaker 2: half of this new job, so that money's going to
Speaker 2: be here.
Speaker 3: So talk me through that because I think that's a
Speaker 3: really important thing to discuss, because you're going from a
Speaker 3: fifty five thousand dollars income to a sixty thousand dollar
Speaker 3: income both a plus keywi saver, and a lot of
Speaker 3: people will be like, oh, it's only five grand, but
Speaker 3: did you go ahead and do like a budget and
Speaker 3: work out you know, well, if I take this new job, yes,
Speaker 3: I'm getting a pay rise, but I'm all also going
Speaker 3: to save in all of these other areas, Like, have
Speaker 3: you've done those financials so I.
Speaker 2: Haven't gone down to the dollar yet because I'm you
Speaker 2: sent me the key we say the calculated websites, they
Speaker 2: were pretty on par. But I don't want to budget
Speaker 2: and catch myself out, So I had that buffer where
Speaker 2: my final paycheck from this job is going to be
Speaker 2: the first week of my new job, so all of
Speaker 2: my bells will be accounted for. Also, come the first
Speaker 2: pay I'll be able to be like, Okay, cool, this
Speaker 2: is what I'm looking at. But at the same time,
Speaker 2: I'm also going from paying two lots of rent to
Speaker 2: just one, to paying maybe one hundred bucks per Fortnite
Speaker 2: forgets instead of two hundred dollars.
Speaker 3: Tell me more about that, because you just said something
Speaker 3: that I haven't picked up on before, and that was
Speaker 3: that you're paying two lots of rent?
Speaker 4: Why when? Where?
Speaker 2: How?
Speaker 3: I know that you're living between two places? But how
Speaker 3: does that work logistically?
Speaker 2: So I pay for a flat in South Canterbury, where
Speaker 2: my job is, and I also contribute to rend where
Speaker 2: my partner lives, because I mean it's a glorified storage
Speaker 2: unit at this point in time, point in time because
Speaker 2: it's got all my stuff there, but I'm not there.
Speaker 2: But I only pay one hundred dollars a fortnight for
Speaker 2: the place in christ Church because I'm only there on
Speaker 2: the weekends. I'm not doing a whole lot up. Yeah,
Speaker 2: but that'll change when I move back.
Speaker 3: Yeah, And I'm just being perfect because like I don't
Speaker 3: know the distance. What's the distance between where you work
Speaker 3: and christ Church? Like how long does that take you
Speaker 3: to get.
Speaker 4: To and from?
Speaker 2: About two hours?
Speaker 4: Oh that is a big drive. Yeah.
Speaker 2: Yeah, So I will leave five pm on a Friday,
Speaker 2: I'll get home about even thirty, depending on traffic, and
Speaker 2: then come Monday morning, I'll leave at six And yeah, no,
Speaker 2: definitely not not not fun. But I've done it for
Speaker 2: fifteen months. I did it to get my foot in
Speaker 2: the door, and now I get to move back to
Speaker 2: crash it and I'm not going to have to do
Speaker 2: the two hours worth of driving on a Monday morning.
Speaker 4: That's so exciting, and that means you get to like
Speaker 4: live with your partner permanently. Like ah, I love this view.
Speaker 3: I feel like everything is just getting better and better.
Speaker 3: And it's because you took so much time and put
Speaker 3: in so much energy to like just solidifying this. You
Speaker 3: were so like, no, I am going to get the
Speaker 3: career I want to get, and I am going to
Speaker 3: be able to do it. And yes, I've had to
Speaker 3: make a whole heap of compromises to make this work.
Speaker 3: But like now it just feels like that's not really
Speaker 3: a compromise anymore, is it.
Speaker 2: No. I was talking to my counselor last night and
Speaker 2: I was like, if I took a sit back and
Speaker 2: I looked at my life and I overlaid it to
Speaker 2: the plan that little light year old me had, it's
Speaker 2: stand their spot on. I've got the career, I've got
Speaker 2: the partner, I've got first DAT and the next thing.
Speaker 2: And I'm like, this is actually my dream life? What
Speaker 2: is this? When did this happen.
Speaker 3: I'm and you know what, I just love that, like
Speaker 3: I feel like you remind me of me, where we
Speaker 3: clearly have some insecurities. You said something before that I
Speaker 3: wanted to like pick you up and hug you for
Speaker 3: you like I'm really used to not being liked by people,
Speaker 3: and I was like, no, like you just haven't found
Speaker 3: the right people. You haven't been in the right rooms,
Speaker 3: and if you're in those rooms, like you're in the
Speaker 3: wrong ones.
Speaker 4: That I wanted to pick you up and be like no, no, no,
Speaker 4: no no, but I didn't want to cut you off.
Speaker 3: And like there's just been a lot of like goings
Speaker 3: on and you're like saying, now I have my dream life.
Speaker 3: And it's really proof that money doesn't buy happiness, like
Speaker 3: your personal accomplishment and being able to reflect on where
Speaker 3: you've come from and where you're going, like because a
Speaker 3: lot of people will be like, wow, sixty thousand dollars
Speaker 3: is not going to be enough for me, but like
Speaker 3: you know what's not enough having heaps of money and
Speaker 3: still not being grateful from where you've come from and
Speaker 3: what you're doing, and like you're actually never going to
Speaker 3: be happy.
Speaker 4: And just like listening to you is like.
Speaker 3: Oh my god, yes, queen, like she is leaving her
Speaker 3: life and that is just so cool, and You've got
Speaker 3: so far to go, and I can't wait until you're
Speaker 3: like the sliding into my DMS. I'm a judge now,
Speaker 3: and I'll be like, is this illegal to DM? Like
Speaker 3: are we allowed to talk still? Like it'll be just
Speaker 3: so exciting. At the start of this episode, you said,
Speaker 3: v I reckon, I'm like a B plus or an AS,
Speaker 3: and like that is very good grade to begin with.
Speaker 4: But what would it take to get you to an
Speaker 4: A plus?
Speaker 2: I think potentially getting rid of my carlow with definitely
Speaker 2: help and sorting out my cash flow so I'm not
Speaker 2: caught short at the end of the way.
Speaker 4: Yeah, I'll do that for you.
Speaker 3: I'll give you my money master class and then you
Speaker 3: can go do the money master class right before you
Speaker 3: do your new job, and then you can get all
Speaker 3: of your budget and cash flow and carloon and everything
Speaker 3: sorted and it'll be really attractive. And you already told
Speaker 3: me in the She's on the Money Book, I structure
Speaker 3: my money like this, so it's actually going to work
Speaker 3: for you already because it's the same kind of structure.
Speaker 3: It's just way more gritty, and I do it for you.
Speaker 3: You still will need your spreadsheet for your groceries though,
Speaker 3: because I don't have that level of detail in there.
Speaker 3: But I can do everything else, So let me do that,
Speaker 3: and then your new job it's going to be flawless.
Speaker 4: I'm so excited for you.
Speaker 2: Thank you for that, but I really really appreciate that.
Speaker 6: Actually, oh, I'm so excited for you paying a carlon off,
Speaker 6: and I think potentially having like the fully funded emergency
Speaker 6: fund because I'm so growing up I had the scarcity
Speaker 6: mindset and I had two younger sisters, so my coins
Speaker 6: would disappear.
Speaker 2: So I'm still used to that, Oh it's it's going
Speaker 2: to disappear eventually. So yeah, potentially paying the carlan off
Speaker 2: and sorting the fully funded emergency fund out would bump
Speaker 2: me up a grade into.
Speaker 3: That's so exciting. But I like that You've got so
Speaker 3: much clarity around where you're going and what that looks like.
Speaker 3: You're like, well, actually to get to an A plus.
Speaker 3: Sometimes we talk to people and they're like, oh, I
Speaker 3: don't know, I just don't feel good at it, and
Speaker 3: it's like, well.
Speaker 4: Let's make a plan you can be good at money.
Speaker 3: Like being good at money isn't it up being smart
Speaker 3: or having some kind of financial backing. It's just actually
Speaker 3: about choosing to be good at money and then just
Speaker 3: diving in, like you just choose to and there's no
Speaker 3: start point that feels like the next day you've got
Speaker 3: your shit together. It's literally just one day you decide
Speaker 3: I'm just going to start making small snaps in the
Speaker 3: right direction, and then all of a sudden, you've applied
Speaker 3: for two hundred jobs, you're fifteen months in, you're moving
Speaker 3: to a new area because you've finally got your dream job,
Speaker 3: you get to live with your part I'm just so
Speaker 3: excited about all of this for you. It's making me
Speaker 3: so happy. So thank you so much for sharing this
Speaker 3: journey and this story with me. I feel very very
Speaker 3: privileged to have been a part of it.
Speaker 2: Thank you for being available for big sister advice. Because
Speaker 2: I'm the oldest, so I don't have someone to go
Speaker 2: to for big sister advice.
Speaker 3: I got you, I got you, and I've got everybody
Speaker 3: else who wants to slide into my DMS and be like,
Speaker 3: so what about this? Like I think people think that
Speaker 3: because I've got like some followers or something like, oh,
Speaker 3: she wouldn't want to talk born to Yeah, born to
Speaker 3: give unsolicited advice.
Speaker 4: That's where I thrive best.
Speaker 2: I'd solicited advice advice in my opinion, and I.
Speaker 3: Mean you asked for it, so like wasn't even unsolicited.
Speaker 3: You solicited that advice and I gave it to you
Speaker 3: for free. Anyway, guys, I think that is all we
Speaker 3: have time for today, money Dorist. It has been a pleasure,
Speaker 3: and I just know that the community is going to
Speaker 3: love listening to this episode as much as I loved
Speaker 3: recording it, so I really appreciate it. But for everybody
Speaker 3: following along, we will see you right early on Wednesday
Speaker 3: morning through Deep Dive.
Speaker 6: Bye.
Speaker 5: The advice shared on She's on the Money is general
Speaker 5: in nature and does not consider your individual circumstances. She's
Speaker 5: on the Money exists purely for educational purposes and should
Speaker 5: not be relied upon to make an investment or financial decision.
Speaker 5: If you do choose to buy a financial product, read
Speaker 5: the PDS TMD and obtain appropriate financial.
Speaker 4: Advice tailored towards your needs.
Speaker 5: Victoria Divine and She's on the Money are author representatives
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