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Speaker 1: My name is Aatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,

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Speaker 1: Kaka yah y and Binahaka Nian Our gay In Mbini,

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Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Mbaban Gadabomba in

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Speaker 1: and now in wakah Ghana on yak rum Jar water Nadaa. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank acknowledge and respect the Aboriginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money.

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Speaker 3: Hello and welcome to She's on the Money, the podcast

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Speaker 3: that makes personal finance.

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Speaker 2: Fun, especially on Friday.

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Speaker 3: It's our favorite day of the week because we get

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Speaker 3: the team together and we celebrate you the incredible She's

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Speaker 3: on the Money community, and.

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Speaker 2: Yes, you're hearing right.

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Speaker 3: It is Jess Ricky taking over today because poor Victoria

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Speaker 3: is under the weather. I'm still going to be sharing

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Speaker 3: all of our favorite money wins and confessions, and Beck

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Speaker 3: of course will be sharing her best broke tips. We're

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Speaker 3: going to be helping to answer a money to Lemma,

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Speaker 3: which is all about the relatable feeling of working hard

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Speaker 3: but not being able to get ahead, and something that

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Speaker 3: you slip into our DMS about how to handle feeling

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Speaker 3: anxious about Christmas consumerism. Okay, I get it, I get it?

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Speaker 2: And are they with you?

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Speaker 3: It's just us again today God isn't so gay. It

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Speaker 3: feels like we just get to go rogue. I know, sorry,

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Speaker 3: no offense TVD. She's listening to this. I don't know

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Speaker 3: why either, because it's not as if she the one

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Speaker 3: that keeps us in line.

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Speaker 2: I mean when she's not here. I'm like, yeah, totally

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Speaker 2: that they're off I know. Seriously, we do, we do

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Speaker 2: or say whatever we want. We can do a hole

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Speaker 2: epsode and tailswift if you want, don't tempt me really

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Speaker 2: good time.

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Speaker 3: Instead of a tailor's full blown breakdown, because we would

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Speaker 3: be here for days.

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Speaker 2: We would.

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Speaker 3: Should we do a five star review?

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Speaker 2: Please?

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Speaker 3: Alrighty, This one is actually from Google and I wanted

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Speaker 3: to remind you If you're not using Apple podcasts.

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Speaker 2: That's totally fine.

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Speaker 3: We'll take your five star reviews wherever we can get them,

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Speaker 3: that includes on Google. This one came from Stephanie, who said,

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Speaker 3: if you're not already listening to She's on the Money,

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Speaker 3: what are you even doing with your life? Victoria should

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Speaker 3: one hundred percent be our next prime minister. Imagine the

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Speaker 3: budget actually making sense and being sastly explained to us

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Speaker 3: with snacks. Beck is the voice in my head every

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Speaker 3: time I think about impulse buying another plant.

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Speaker 2: Do you really need it?

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Speaker 4: Though?

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Speaker 2: And Jess, Jess is.

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Speaker 3: Your sunshine in podcast form. I feel karma just hearing

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Speaker 3: her speak. This podcast is like sitting down with your cleverest,

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Speaker 3: kindest friends who actually get the money stuff, no judgment,

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Speaker 3: just real talk, smart strategies and the occasional laugh so

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Speaker 3: hard you snort moment. I've learned more from these women

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Speaker 3: than I did in any education facility. Bless their budgeting souls.

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Speaker 3: Oh my, so sweet, thank you so much.

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Speaker 2: Oh I feel all warm and fuzzy that you do

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Speaker 2: have a very calming so much. Oh that's really really fine,

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Speaker 2: So I thank you so much. Sephanie. God, I love

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Speaker 2: that bit that's really fun. I will have to take

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Speaker 2: over that forever.

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Speaker 4: Now.

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Speaker 3: Yes, I'm gonna have to ask you every week, I think,

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Speaker 3: because oh.

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Speaker 2: It's just so lovely.

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Speaker 3: People say thank you, thank you. I will say though

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Speaker 3: this next but is also very fun. I'm really enjoying

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Speaker 3: sitting in the driver. I don't get too comfortable.

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Speaker 2: It's very natural on you. Thank you so much.

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Speaker 3: But I've been loving doing the question because we have

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Speaker 3: to do something a little, a little off topic.

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Speaker 2: That's my finance love it.

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Speaker 3: So this week we have one from Rebecca who said,

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Speaker 3: what is your favorite thing to do at Christmas time

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Speaker 3: that doesn't cost anything?

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Speaker 5: Oh?

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Speaker 2: I don't know if it's like because it probably does

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Speaker 2: indirectly cost something in like petrol and stuff like that.

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Speaker 2: But something I do every single Christmas, yes, and I

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Speaker 2: force my family to do it is drive around or

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Speaker 2: you can walk around and look at Christmas lights and

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Speaker 2: I make a mass I look at all like Google

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Speaker 2: the best places you can find on TikTok the best

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Speaker 2: places to visit no matter where you are in Australia,

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Speaker 2: no matter where you are in the world. Yeah, go

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Speaker 2: on TikTok. Find the best places in your area in

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Speaker 2: your city, and either walk, public transport drive if you

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Speaker 2: have the means to. If you are driving, what I

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Speaker 2: love to do is start fromhere I am, and then

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Speaker 2: on maps I'll find where every place is that I

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Speaker 2: want to visit and then do like a loop. And

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Speaker 2: then also part of this tradition is getting a soft

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Speaker 2: serve or getting an ice cream from servo. And so

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Speaker 2: it's very very It doesn't cost too much, but it

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Speaker 2: also doesn't have to cost anything. Ye finding ways to

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Speaker 2: like you know, you can reastack from home exactly, doesn't

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Speaker 2: that cost anything at all. I love that I do

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Speaker 2: that every Christmas, and it is a necessity.

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Speaker 3: One of the things I'm so excited about is next

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Speaker 3: Christmas because my house will be built by them. I'll

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Speaker 3: be able to decorate my house with lights. I aspire

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Speaker 3: to be. When I think of Christmas lights where I live,

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Speaker 3: there are some known houses, it is like a full

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Speaker 3: scale production.

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Speaker 2: I aspire to be one of those houses.

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Speaker 4: One of them.

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Speaker 3: They even will come out and they will they have

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Speaker 3: like a popcorn machine and they'll sell like hold for

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Speaker 3: a dollar or something to like fundraise I think, to

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Speaker 3: cover like the cost of electricity. I don't know, but

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Speaker 3: it's like a whole thing, which is so good.

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Speaker 4: I love that.

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Speaker 2: That's so cool. You know when a mister Whoopy is there,

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Speaker 2: you know you've got it, You're in the right pot.

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Speaker 2: That sounds great. That's a great one I really love.

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Speaker 3: Also kind of my cost you in ingredients, but generally

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Speaker 3: you have all of them in your pantry. A gingerbread

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Speaker 3: house or gingerbread cookies one of my favorite traditions making them,

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Speaker 3: or you can pre make them and have everyone come

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Speaker 3: over and decorate them together. I'm partial to a gingerbread

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Speaker 3: cookie with a royal icing on top, so not just

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Speaker 3: like drawing the face, but like flooding the whole thing

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Speaker 3: and making a fun design if you're the one who

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Speaker 3: likes to partake in a little baking moment that it

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Speaker 3: tastes delicious. But otherwise just doing your like your fun

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Speaker 3: little outline designs like you traditionally would is also really exciting.

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Speaker 3: And then I feel like the best bit is like

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Speaker 3: the reward is at the end of you to eat

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Speaker 3: the cookies or the ginger of course. Oh actually on

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Speaker 3: the gingerbread house. Note, so we do a Christmas trip

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Speaker 3: with our big group of friends every year, and we'll

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Speaker 3: buy this one you could bake them though, so that

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Speaker 3: it's free. But we'll do a gingerbread house making competition.

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Speaker 3: Good or usually cumbles or partners. Everyone does it, so

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Speaker 3: you do that. But then obviously not everybody is creatively inclined,

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Speaker 3: and that's okay. So we then also do a structural

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Speaker 3: integrity test of course at the end. So once they're

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Speaker 3: all built, you know, you judge, you pick the winn

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Speaker 3: or whatever, and then everyone like bangs on the table like, yes,

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Speaker 3: you see which one holds up the longest. Oh my god,

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Speaker 3: that's everyone's.

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Speaker 2: Got a chance to win. Yeah. Great, So one most

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Speaker 2: beautiful and one the most structurally integral. Yes, great, idea,

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Speaker 2: very very love. That's a great question.

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Speaker 3: I'd love to hear what everybody else's favorite free Christmas

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Speaker 3: trutions are leaving in the comments front.

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Speaker 2: I'd love to have a look at them. If Victoria

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Speaker 2: could also leave hers in the comments. I wonder what

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Speaker 2: she would have answered, great, I don't know, maybe her

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Speaker 2: handmade homemade? Yeah true, too true Chris Kringle. Yes, that's

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Speaker 2: a really good one. Yeah, so true. I don't know. Gorgeous.

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Speaker 3: We'll send her a text after. But with that being said,

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Speaker 3: I actually have lots of very fun money wins to share.

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Speaker 2: Great if I may please.

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Speaker 3: Alrighty, So the first one that I have this week

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Speaker 3: comes from Sarah, who said she's found out her GP

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Speaker 3: can now describe her daughter's eighthd medication, so she no

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Speaker 3: longer has to pay two hundred and havy dollars every

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Speaker 3: six months to get the script when she can just

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Speaker 3: have it bulk build instead.

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Speaker 2: Oh my god, that's so good.

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Speaker 3: I feel like that's a game changer, because if there

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Speaker 3: is such a big tax people to ADHD or all

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Speaker 3: of our neurodiverse friends who have varying things that you

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Speaker 3: need perhaps medications for, it feels really unsane to me

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Speaker 3: that you have to I know that we need it

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Speaker 3: to be regulated and safe, and that's very important, but

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Speaker 3: I also think it's not ideal that you have to

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Speaker 3: pay to have access to the thing that you need

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Speaker 3: to be able to function more effectively.

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Speaker 2: I agree. It's like, God, can we catch a break.

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Speaker 2: We've got this thing, your neurodiverse already, the world's not

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Speaker 2: made for you, and now you've got to spend so

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Speaker 2: much money for the rest of your life. Yeah, God, God,

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Speaker 2: can we have a little break.

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Speaker 3: Just a little piece of something totally.

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Speaker 2: I love it.

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Speaker 3: Next, I've got a money win from Bianca, who said

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Speaker 3: she stayed home all weekend again for the fourth weekend

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Speaker 3: in a row. She did go to the gyms day

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Speaker 3: and then afterwards bought three items at the supermarket, but

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Speaker 3: staying away from the shops is working wonders for her

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Speaker 3: bank account. Great, I bet at this time of year

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Speaker 3: that's making a huge difference. Well done, Bianca. Next, I've

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Speaker 3: got a money win from Cerese, who said I recently

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Speaker 3: lost a bit of weight and a lot of my

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Speaker 3: clothes don't fit me anymore. But my sister just gave

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Speaker 3: me three huge bin bags her old clothes that she

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Speaker 3: no longer wants, and she has really good taste.

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Speaker 2: Oh my god, sick.

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Speaker 3: There's nothing more fun than when someone you know goes

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Speaker 3: Oh I've done a wardrobe clean out.

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Speaker 2: Do you want to dig through? Totally? Absolutely? I do

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Speaker 2: such a good feel this.

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Speaker 3: Next, I've got a money loss from Anita, who said

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Speaker 3: I bought an older model Dice an air app, but

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Speaker 3: money win. It was retailing at eight hundred and ninety

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Speaker 3: nine dollars and I got it for six hundred and

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Speaker 3: seventy one. I also think it's a money win because

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Speaker 3: I have been and will continue to use it a

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Speaker 3: couple of times a week. Good reminder when new tech

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Speaker 3: comes out, check the old tech. You know your iPhone

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Speaker 3: means old iPhones on sale, all that sort of thing.

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Speaker 3: New tony box, old tony box.

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Speaker 2: That is so true.

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Speaker 3: The old ones just as good. Like just because it

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Speaker 3: doesn't have the newest, fanciest thing, it doesn't mean it's

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Speaker 3: going to do the job. Especially a Christmas when we're

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Speaker 3: shopping for gifts and stuff, exactly, a slightly older model

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Speaker 3: is a great option. Next, I've got a money win

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Speaker 3: from Charlotte who said she did a click and collect

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Speaker 3: from Coals for the first time in a long time

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Speaker 3: and actually got twenty dollars off of her shop. She

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Speaker 3: says she doesn't really know what it.

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Speaker 2: Was from, but it was a good win for the week. Beautiful.

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Speaker 3: And then I've also got one from Louisa who said

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Speaker 3: we needed to do some electrical work on our rental

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Speaker 3: house and we were dreading the bill, but I realized

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Speaker 3: I had a bucket for this, and I'm now no

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Speaker 3: longer completely dreading it. Hates to be prepared absolutely. And

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Speaker 3: then lastly this week I've got a money win from Jackie,

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Speaker 3: who said I got an Apple Watch series eleven with

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Speaker 3: points via my private health insurance. I've had enough points

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Speaker 3: three months ago, but I was hopeful to get a

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Speaker 3: brand new one for the same amount of points.

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Speaker 2: Oh my god, that's great. Great. I didn't even know

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Speaker 2: there was the thing. I know.

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Speaker 3: I would love to know which private health insurance that is. Yes,

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Speaker 3: maybe Switch, he sounds like it, But that's it for

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Speaker 3: me this week.

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Speaker 2: Amazing. They also have great Okay, so I've got a

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Speaker 2: few broke tips. If you're ready and willing, Oh please,

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Speaker 2: I've never been more ready and willing. So this rest

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Speaker 2: comes from Jets, who says, my local Hey, your first

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Speaker 2: money win came from Beck. That's so weird. True, everything's

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Speaker 2: lining up today.

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Speaker 3: I love a little coincidence exact.

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Speaker 2: So this special comes with Jess, who says, my local

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Speaker 2: church op shop does fill a bag for two dollars

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Speaker 2: from their baby and kids' clothes. Oh my god, it's

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Speaker 2: so good. That is so good. I've been going weekly

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Speaker 2: and it's such a dope being rush. Plus the kids

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Speaker 2: are clothed on a budget. Once they've outgrown, I'll donate back.

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Speaker 2: So it's basically a rental service, especially for my two

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Speaker 2: month old who is growing it rapidly.

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Speaker 3: Oh, that's a really sweet way to approach it, tutor,

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Speaker 3: donate it back totally.

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Speaker 2: I really really like that. That's genius. And I love

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Speaker 2: that things aren't going to ways and you're not taking

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Speaker 2: in fast fashion, which sometimes we gotta and that's okay.

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Speaker 3: I wish there were more places I see this in

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Speaker 3: on TikTok of people in the US, where you can

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Speaker 3: go to like a good Will or one of their

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Speaker 3: thrift stores and it'll be the same. It's like pay

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Speaker 3: by weight, like, yeah, fill a bag for X amount

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Speaker 3: of dollars per Totally. I want that here. I know

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Speaker 3: if I feel like op shops are getting extremely pricey,

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Speaker 3: especially for stuff like a lot of it's polyester and

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Speaker 3: not great quality exactly.

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Speaker 2: And guys, op shop means opportunity shops for people who cannot.

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Speaker 3: Afford, you know, so it's like we stop overpricing, stop overpricing.

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Speaker 2: The sexon one comes from Stephanie who says, frozen spinach

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Speaker 2: it's one dollar a pack. It makes a cheap meal

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Speaker 2: look more healthy by adding a bit of green, which

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Speaker 2: I totally agree with. Example, Chuck some in a pack

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Speaker 2: of mac and cheese I bought half price. That's so clever.

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Speaker 2: I mean, doesn't sound very advertising, but I think like

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Speaker 2: spinach is actually kind of delicious.

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Speaker 3: Spinach disappears or whatever you put it into, especially if

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Speaker 3: you're blending it or if it's hot and it shrivels

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Speaker 3: total wait to go, like a whole bag of spinach.

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Speaker 3: It's literally like a tablespoon by the time it's done.

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Speaker 2: Really, and it's not like a super strong flavor, like yeah,

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Speaker 2: you could really get away with just like adding so

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Speaker 2: much more nutrition to your meal. That's one of my

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Speaker 2: preferred greens. Absolutely. Okay, so my one this week is

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Speaker 2: one that I loved from a Christmas idea thread from

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Speaker 2: last year. But it's such a creative, fun and cheap

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Speaker 2: group gift activity Graces. You can get some great books

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Speaker 2: looking knee new from the op shop for two to

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Speaker 2: four dollars. You wrap them in brown paper and write

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Speaker 2: a vague description on the back, and each person chooses

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Speaker 2: description they like the most. You can even do it

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Speaker 2: for dirty sander or stealing sander or bout sand or

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Speaker 2: whatever you call it to make it even more fun

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Speaker 2: as well. So I think that's it's great, and it's festive.

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Speaker 2: And if you're trying to not spend too much this year,

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Speaker 2: or if you just don't have the money to spend,

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Speaker 2: it's so funny the distinction between the two people be like,

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Speaker 2: I'm trying not to spend and I'm like over here

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Speaker 2: thinking I am not trying not to spend because they

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Speaker 2: don't have to spend. So if you're like me, you

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Speaker 2: don't have the money, then this is actually a really

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Speaker 2: good idea and you can just get a book from

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Speaker 2: your own house.

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Speaker 3: I love that it's a blind date with the book,

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Speaker 3: like it's a surprise exactly exactly fun I think it's

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Speaker 3: so clever. So that's me for this week. Beautiful, really

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Speaker 3: good wrap up. Very I love that you got a

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Speaker 3: festive one in there. I really appreciate you. Oh I

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Speaker 3: did try to thank you so much. Well, let's go

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Speaker 3: to a really quick break though, and when we come back,

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Speaker 3: we're going to be helping to answer a money j

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Speaker 3: lemma all about the relatable feeling of working hard but

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Speaker 3: not being able to get ahead, and also chatting through

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Speaker 3: the DM that you sent us this week, which was

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Speaker 3: asking how to handle feeling anxious around Christmas. Consumerism don't

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Speaker 3: go anywhere.

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Speaker 2: Welcome back everyone. Here's this week's money dilemma.

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Speaker 5: Hi, there, have you got a money dilemma you just

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Speaker 5: can't solve that. She's on the Money team is here

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Speaker 5: to help. Every week we tackle your dilemmas, both big

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Speaker 5: and small, to answer your most burning money, career and

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Speaker 5: life questions. To get involved, simply head to our website

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Speaker 5: and leave us a short voice recording and you might

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Speaker 5: just find yourself on the show. Now, let's take a

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Speaker 5: listen to this week's money dilemma.

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Speaker 4: Hi, She's on the Money. My money dilemma is I'm

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Speaker 4: twenty one and only about six months ago gained any

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Speaker 4: consciousness of financial literacy. I thought I was fairly good

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Speaker 4: with money, pretty frugal, good at saving, But it turns

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Speaker 4: out I've been saving like a child. I only have

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Speaker 4: a savings and a spending account. My savings isn't very

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Speaker 4: high interest, and I'm so struggling right now. I'm at

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Speaker 4: you need to do a full load. I'm working eighteen

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Speaker 4: hours a week paid, nine hours a week unpaid. I'm

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Speaker 4: commuting nine hours a week, so the majority of my

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Speaker 4: money is gone onwards petrol. I want to move out

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Speaker 4: within the next year or so. Me and my partner

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Speaker 4: are talking about moving overseas within the next couple of years.

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Speaker 4: I just really need a new car. And I've just

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Speaker 4: been sitting at about six grand for the last six months,

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Speaker 4: six grande in total, and i just feel like I'm drowning.

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Speaker 4: Even though I'm so very privileged and I have my

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Speaker 4: family support and I live at home. I feel like

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Speaker 4: I'm working so hard and I'm just not gaining anything.

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Speaker 4: I'm just like barely staying afloat with no free days off.

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Speaker 2: I don't know.

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Speaker 4: I'm so lost.

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Speaker 2: Yeah, thank you so much for listening. Firstly, twenty one,

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Speaker 2: you ain't going to worry about anything. But also I

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Speaker 2: don't think, oh gosh, I have so many thoughts. Unpaid work.

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Speaker 2: I understand like placement and stuff like that, and I

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Speaker 2: understand like some companies can't afford to hire an extra person.

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Speaker 2: I'm just like this should be like government. I don't know,

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Speaker 2: the unpaid stuff. I don't love it because some people

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Speaker 2: do have the luxury of living at home and some

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Speaker 2: people don't, and some people are living like paycheck to

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Speaker 2: paycheck and to get by or to make it like

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Speaker 2: through UNI to kind of get ahead, to do more

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Speaker 2: with your life. You're gonna have to, Like some people

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Speaker 2: can just live at home and make it work, and

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Speaker 2: some people have to support themselves. And I'm like, it's

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Speaker 2: not very accessible to everyone.

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Speaker 1: You know.

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Speaker 2: It's just like I don't really like the unpaid thing,

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Speaker 2: but I'm sure there are reasons why, but I don't

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Speaker 2: like anyway. So I respect and I appreciate that you

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Speaker 2: are in a situation where you are being seriously overworked.

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Speaker 2: But I would say you have money and savings. That's

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Speaker 2: an incredible start. I understand like the urgency. You're probably

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Speaker 2: feeling like, oh, I've wasted time or how do I

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Speaker 2: get ahead if I'm literally just making it every single week. Also,

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Speaker 2: all of my time is spent working, either paid or unpaid,

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Speaker 2: and you probably pretty burnt out right now. You probably

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Speaker 2: hear this a lot from people who are older than you.

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Speaker 2: Is that like when I was your age, I had

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Speaker 2: all these plans that just like didn't happen or whatever,

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Speaker 2: and it's probably like, Okay, that's not very helpful. Right Now,

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Speaker 2: you have this goal, which is to maybe move overseas,

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Speaker 2: maybe with your partner, and let's just say for argument's sake,

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Speaker 2: that's going to happen. But as someone who is thirty

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Speaker 2: three and who has been your age before and who

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Speaker 2: has had many goals and kind of like not achieved

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Speaker 2: many of them or just things took a different turn,

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Speaker 2: I would say, don't be hard on yourself if things

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Speaker 2: don't go to plan, or if things go to plan

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Speaker 2: later on, just don't be so hard and stuff. You're

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Speaker 2: very very young, you're trying to make it through yours

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Speaker 2: sounds like you're doing everything right. I'd say, maybe, like

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Speaker 2: try and look into a high interest savings account right now.

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Speaker 2: But the urgency in the panic and the worry I

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Speaker 2: can undersand where it comes from. But you're very very

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Speaker 2: young and dorty to worry about that. Just try And

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Speaker 2: I don't know, six thousand dollars sounds like incredible to me.

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Speaker 2: I'm like, that's but I understand when you're like, god,

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Speaker 2: I could have been doing so much more or whatever,

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Speaker 2: or like I thought I was doing great, but you

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Speaker 2: need X amount and your seat you're super to be

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Speaker 2: on track, and you know, I get so I can

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Speaker 2: understand that. But six thousand dollars sounds incredible. I'd be like,

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Speaker 2: I've made it. Yeah, I'll truly made it.

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Speaker 3: You know, my sweet baby angel, you are so far

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Speaker 3: ahead of where I was at twenty one. Totally not

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Speaker 3: to infantilize you, but you are very young. At twenty one,

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Speaker 3: I was coming back from Greece that if mis trip

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Speaker 3: where I had like twenty seven cents in my bangage daring, I.

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Speaker 2: Couldn't allow at the thing like you are.

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Speaker 3: Having the financial literacy is such a huge, wonderful first step,

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Speaker 3: and you have the benefit of time on your side.

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Speaker 3: I know at that age you really probably are finding

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Speaker 3: your independence. That's what I was doing anyway. I was

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Speaker 3: moving out of home, I was doing all those sorts

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Speaker 3: of things, and it is a bit of a shock

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Speaker 3: to the system really when you get out into the

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Speaker 3: real world and you're like, whoa, it costs money to

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Speaker 3: breathe totally. But I would say exactly is what you

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Speaker 3: were saying back. Don't push yourself to do something before

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Speaker 3: you're ready financially. If you have the privilege of being

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Speaker 3: at home, which it sounds like you do, use that

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Speaker 3: to your advantage. Would be my advice, live and budget

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Speaker 3: as if you would living out of home, and just

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Speaker 3: enjoy the fact that you have that luxury without the

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Speaker 3: actual pressure you know, if you do need to replace

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Speaker 3: your car, if you do need to do something, you've

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Speaker 3: got that safety net of being at home, I suppose,

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Speaker 3: But I would really focus on using this time to

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Speaker 3: build up your emergency fund, build up your fund to

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Speaker 3: save for a new car if you really need it,

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Speaker 3: all those sorts of things, and also at the same time,

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Speaker 3: give yourself some grace because I think it sounds like

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Speaker 3: when you're at UNI doing what I'm assuming is a

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Speaker 3: placement or an internship. You know, my partner did this,

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Speaker 3: and it is really taxing on you working or you know,

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Speaker 3: studying full time, working your paid hours, working your unpaid hours,

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Speaker 3: commuting long distances.

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00:19:58,080 --> 00:19:59,159
Speaker 2: It is a lot to take on.

437
00:19:59,320 --> 00:20:01,880
Speaker 3: And yes, throughout your adult life there will be periods

438
00:20:01,920 --> 00:20:04,600
Speaker 3: where you commit to so many things at once, Like

439
00:20:04,680 --> 00:20:06,000
Speaker 3: I'm in a phase of life where it's kind of

440
00:20:06,040 --> 00:20:08,359
Speaker 3: like that for me right now. But I think that

441
00:20:09,240 --> 00:20:12,399
Speaker 3: take advantage of what you've got and just understand that

442
00:20:12,440 --> 00:20:15,520
Speaker 3: you don't have to do everything right now. You don't

443
00:20:15,560 --> 00:20:16,960
Speaker 3: have to move out of home next year, you don't

444
00:20:17,000 --> 00:20:19,520
Speaker 3: have to move overseas next year. It is so great

445
00:20:19,600 --> 00:20:22,720
Speaker 3: to have the luxury of time to plan and to

446
00:20:22,760 --> 00:20:24,560
Speaker 3: be able to do things at a pace that doesn't

447
00:20:24,760 --> 00:20:27,239
Speaker 3: have to give you anxiety. That means that you can

448
00:20:27,280 --> 00:20:30,720
Speaker 3: hopefully put yourself in a really solid position by getting

449
00:20:30,720 --> 00:20:33,840
Speaker 3: your foundational sorted out and then pursuing those things that

450
00:20:33,920 --> 00:20:35,280
Speaker 3: you want to totally.

451
00:20:35,520 --> 00:20:37,320
Speaker 2: And if it sounds like you're burnt out, have a

452
00:20:37,359 --> 00:20:41,000
Speaker 2: little break, don't behind yourself. Life is so long for

453
00:20:41,080 --> 00:20:43,119
Speaker 2: those who are of us, who are lucky enough to

454
00:20:43,320 --> 00:20:45,240
Speaker 2: experience all of it something. I know it's not long

455
00:20:45,280 --> 00:20:47,840
Speaker 2: for everyone, but I think you're doing great job. You're

456
00:20:47,840 --> 00:20:50,639
Speaker 2: on the right track, and just like, go easy, have

457
00:20:50,760 --> 00:20:51,240
Speaker 2: a rest.

458
00:20:51,640 --> 00:20:55,600
Speaker 3: I completely agree. Should we jump into something a little

459
00:20:55,640 --> 00:20:56,760
Speaker 3: more controversial, Yes?

460
00:20:56,880 --> 00:20:57,200
Speaker 4: Please?

461
00:20:57,520 --> 00:20:57,960
Speaker 2: Alrighty.

462
00:20:58,000 --> 00:21:00,040
Speaker 3: I've got a DM from the community this week and

463
00:21:00,119 --> 00:21:02,920
Speaker 3: it goes a little something like this, Hey, she's on

464
00:21:03,000 --> 00:21:05,320
Speaker 3: the money. I hate feeling like this, but I really

465
00:21:05,400 --> 00:21:10,160
Speaker 3: struggle with Christmas. It just makes me so anxious. The consumerism,

466
00:21:10,359 --> 00:21:13,080
Speaker 3: the waste, the pressure to keep up. It doesn't align

467
00:21:13,119 --> 00:21:15,600
Speaker 3: with my values at all. I've tried to do Christmas

468
00:21:15,640 --> 00:21:18,560
Speaker 3: with less, but it kind of backfired. The grandparents went

469
00:21:18,760 --> 00:21:21,399
Speaker 3: way overboard, and I ended up crying on Boxing Day

470
00:21:21,440 --> 00:21:23,239
Speaker 3: because they'd bought more for the kids than I did.

471
00:21:23,840 --> 00:21:26,080
Speaker 3: I felt like I'd failed as a mum. I've tried

472
00:21:26,080 --> 00:21:28,560
Speaker 3: bringing it up but always caused tension. And when I

473
00:21:28,680 --> 00:21:31,439
Speaker 3: zoom out, I get it. They want to spoil their

474
00:21:31,480 --> 00:21:35,000
Speaker 3: grandkids because it makes them happy. My partner loves Christmas,

475
00:21:35,040 --> 00:21:36,440
Speaker 3: and every time I try to rein it in, he

476
00:21:36,560 --> 00:21:39,520
Speaker 3: reminds me how upset I was that year. I hate

477
00:21:39,560 --> 00:21:41,920
Speaker 3: feeling like the Grinch and I'm so jealous of people

478
00:21:41,920 --> 00:21:44,840
Speaker 3: who can just enjoy Christmas. I'd love the community's advice

479
00:21:44,920 --> 00:21:47,560
Speaker 3: on how to handle it this year. Ah, that's a

480
00:21:47,600 --> 00:21:48,359
Speaker 3: tough spot to be in.

481
00:21:48,480 --> 00:21:50,919
Speaker 2: It really is, and it is so much more than

482
00:21:51,080 --> 00:21:54,080
Speaker 2: just like because I understand, like the anxiety can come

483
00:21:54,160 --> 00:21:57,560
Speaker 2: from a lack of funds and other things like that sometimes,

484
00:21:57,720 --> 00:22:00,720
Speaker 2: or like maybe a lack of like even community or

485
00:22:00,760 --> 00:22:03,440
Speaker 2: connection around you. That's those things are all completely valid,

486
00:22:03,480 --> 00:22:06,360
Speaker 2: but this is very like this is like an existential

487
00:22:07,680 --> 00:22:12,080
Speaker 2: based yeah, And I completely get that because I think

488
00:22:12,720 --> 00:22:16,160
Speaker 2: when you really think about like where these toys come from,

489
00:22:16,320 --> 00:22:20,440
Speaker 2: like is everything ethically sourced or like it's just it

490
00:22:20,520 --> 00:22:23,239
Speaker 2: does seem like a big waste. I think that if

491
00:22:23,280 --> 00:22:26,000
Speaker 2: you can't avoid it, there are two things I think

492
00:22:26,119 --> 00:22:28,840
Speaker 2: if you can try and explain to your family that

493
00:22:28,920 --> 00:22:32,440
Speaker 2: you would like. If they're going to go overboard, try

494
00:22:32,640 --> 00:22:38,560
Speaker 2: and find toys that are locally made, ethically sourced, ethically

495
00:22:39,480 --> 00:22:42,280
Speaker 2: everything like, try and find things that are like you know,

496
00:22:43,000 --> 00:22:45,680
Speaker 2: you can kind of feel a little bit better about

497
00:22:45,800 --> 00:22:48,920
Speaker 2: how it's made and how the impact on the environment

498
00:22:49,000 --> 00:22:51,320
Speaker 2: and the impact on the world, I guess, and if

499
00:22:51,320 --> 00:22:54,840
Speaker 2: you can kind of find peace there, great the are

500
00:22:55,000 --> 00:22:57,280
Speaker 2: the end. And I guess you can do this in

501
00:22:57,359 --> 00:23:00,080
Speaker 2: both situations. If they're just going to go overboard and

502
00:23:00,160 --> 00:23:04,160
Speaker 2: you're not super comfortable with where these things are coming from,

503
00:23:04,240 --> 00:23:07,920
Speaker 2: what they're buying, whether it's ethically sourced or ethically made.

504
00:23:08,400 --> 00:23:11,879
Speaker 2: The other alternative is to be very greatful for everything

505
00:23:12,000 --> 00:23:13,399
Speaker 2: and all that kind of thing, and then when the

506
00:23:13,440 --> 00:23:16,600
Speaker 2: time is right, donating all of those things to people

507
00:23:16,600 --> 00:23:20,800
Speaker 2: who are way less advantage. Like, you know, some people

508
00:23:20,800 --> 00:23:22,920
Speaker 2: are disadvantaged and they don't have the funds to buy

509
00:23:23,119 --> 00:23:25,359
Speaker 2: these kind of toys for their own children, and they

510
00:23:25,400 --> 00:23:27,679
Speaker 2: don't have they don't have access to all this kind

511
00:23:27,680 --> 00:23:30,720
Speaker 2: of stuff. So I think, one hand, it does feel

512
00:23:30,840 --> 00:23:34,119
Speaker 2: very wasteful, It feels very uncomfortable to see this all

513
00:23:34,200 --> 00:23:36,840
Speaker 2: this plastic in the world. But if you can use

514
00:23:36,920 --> 00:23:41,200
Speaker 2: that to someone else's advantage and you can give that

515
00:23:41,359 --> 00:23:44,800
Speaker 2: to the less fortunate, and I don't. I don't know why.

516
00:23:44,840 --> 00:23:46,800
Speaker 2: I have always kind of hated saying it like that

517
00:23:47,080 --> 00:23:48,280
Speaker 2: the less fortunate, but like.

518
00:23:49,200 --> 00:23:52,680
Speaker 3: It's creating a divide, yeah, or even just like like

519
00:23:52,880 --> 00:23:55,200
Speaker 3: oh poor you, you know, and like some people do

520
00:23:55,320 --> 00:23:56,600
Speaker 3: feel that way.

521
00:23:56,680 --> 00:23:58,320
Speaker 2: But some people are like, hey, I just don't have

522
00:23:58,640 --> 00:24:00,440
Speaker 2: as much money as you do, you know whatever, And

523
00:24:00,560 --> 00:24:03,960
Speaker 2: so you know, people that can't afford those kind of

524
00:24:04,000 --> 00:24:07,360
Speaker 2: gifts or those toys for their own children or those

525
00:24:07,480 --> 00:24:09,119
Speaker 2: toys for the adults. I love toys, so you know,

526
00:24:09,119 --> 00:24:11,440
Speaker 2: it could be for anyone. But yeah, I think you

527
00:24:11,480 --> 00:24:14,320
Speaker 2: can't avoid it. Then making use of that and kind

528
00:24:14,320 --> 00:24:16,840
Speaker 2: of like spreading that joy in other places would be

529
00:24:17,520 --> 00:24:18,240
Speaker 2: another option.

530
00:24:18,720 --> 00:24:21,560
Speaker 3: Yeah, you know, I totally agree. I think that it

531
00:24:21,720 --> 00:24:25,400
Speaker 3: is probably about communicating. You know, I understand why the grandparents.

532
00:24:25,440 --> 00:24:27,000
Speaker 3: I mean, if I got told that my nephews were

533
00:24:27,000 --> 00:24:28,639
Speaker 3: having a low by Christmas, I'd probably be like.

534
00:24:28,640 --> 00:24:29,760
Speaker 2: Oh, well, buy the more toys.

535
00:24:30,440 --> 00:24:33,159
Speaker 3: You know, so I understand the quick like oh I

536
00:24:33,200 --> 00:24:35,119
Speaker 3: want to spoil, I want to love, I want to nurture.

537
00:24:35,680 --> 00:24:39,520
Speaker 3: But raising with your family, why you're taking this perspective

538
00:24:39,640 --> 00:24:41,960
Speaker 3: like what your concerns with it are exactly as you said,

539
00:24:42,040 --> 00:24:43,560
Speaker 3: might be a really great way to find a middle

540
00:24:43,560 --> 00:24:46,399
Speaker 3: ground in terms of finding things that are produced or

541
00:24:46,480 --> 00:24:51,480
Speaker 3: doing Victoria's favorite handmade, homemade secondhand totally like type of vibe.

542
00:24:51,920 --> 00:24:54,000
Speaker 3: The other thing I would say is Christmas, there are

543
00:24:54,119 --> 00:24:58,760
Speaker 3: a lot of opportunities to volunteer to give back, and

544
00:24:58,840 --> 00:25:01,080
Speaker 3: I feel like that is a really fantastic way to

545
00:25:01,160 --> 00:25:04,280
Speaker 3: still enjoy the spirit of Christmas. Depending on the age

546
00:25:04,320 --> 00:25:06,720
Speaker 3: of your children, it also can be a really positive

547
00:25:06,760 --> 00:25:10,119
Speaker 3: exercise in you know, there is a lot of disparity

548
00:25:10,200 --> 00:25:12,040
Speaker 3: in the world, and you know, not everybody is in

549
00:25:12,119 --> 00:25:15,879
Speaker 3: the same position. So whether it's regifting additional things that

550
00:25:15,960 --> 00:25:18,520
Speaker 3: you receive like you said, or whether it's volunteering time.

551
00:25:18,640 --> 00:25:21,320
Speaker 3: There's a lot of meal services that operate during that period.

552
00:25:21,359 --> 00:25:23,840
Speaker 3: You can volunteer, wrapping gifts, There's lots that you can do.

553
00:25:24,680 --> 00:25:28,160
Speaker 3: I think it is a really positive time to Obviously,

554
00:25:28,320 --> 00:25:30,400
Speaker 3: when you can doing it year round is really important,

555
00:25:30,400 --> 00:25:32,440
Speaker 3: but there are a lot of opportunities available for you

556
00:25:32,520 --> 00:25:35,280
Speaker 3: to participate during the holiday season, and I think that's

557
00:25:35,320 --> 00:25:38,359
Speaker 3: a really powerful message to teach your children. It can

558
00:25:38,480 --> 00:25:40,560
Speaker 3: be a family activity. You can all go together to

559
00:25:40,600 --> 00:25:43,440
Speaker 3: participate and do something to help out in your local community.

560
00:25:44,000 --> 00:25:46,880
Speaker 3: And that also, I think I'm not saying you should

561
00:25:46,920 --> 00:25:50,399
Speaker 3: volunteer to override feelings of guilt, but I think it

562
00:25:50,560 --> 00:25:53,000
Speaker 3: sounds like a lot of your guilt is coming from

563
00:25:53,400 --> 00:25:57,520
Speaker 3: feeling as though it's a wasteful period. And so maybe

564
00:25:57,600 --> 00:25:59,520
Speaker 3: we can turn that wastefulness exactly as you were saying

565
00:25:59,560 --> 00:26:03,400
Speaker 3: back into something positive and impactful and also a learning

566
00:26:03,440 --> 00:26:06,359
Speaker 3: opportunity as well, which it might feel really good. It

567
00:26:06,480 --> 00:26:07,879
Speaker 3: might open the door for you to do more of

568
00:26:07,960 --> 00:26:10,200
Speaker 3: that throughout the year, which is also a fantastic thing.

569
00:26:10,840 --> 00:26:13,240
Speaker 3: But also it is a middle ground, I suppose. And

570
00:26:13,760 --> 00:26:15,880
Speaker 3: while you want to consume in a certain way, it's

571
00:26:15,920 --> 00:26:18,239
Speaker 3: out you. You said your partner really loves Christmas, they

572
00:26:18,320 --> 00:26:20,760
Speaker 3: might have a different take on what they want that

573
00:26:20,920 --> 00:26:23,760
Speaker 3: to look like. So you might need to compromise a

574
00:26:23,800 --> 00:26:25,919
Speaker 3: little bit to find a spot that works for everybody.

575
00:26:26,480 --> 00:26:27,800
Speaker 2: But yeah, there's lots of options.

576
00:26:27,880 --> 00:26:29,440
Speaker 3: There's lots of I think we've done a thread in

577
00:26:29,440 --> 00:26:32,000
Speaker 3: the Facebook group before around ethical even like you're gift trapping.

578
00:26:32,040 --> 00:26:34,880
Speaker 3: You know, you can gift in tea towels or wrap

579
00:26:35,000 --> 00:26:38,399
Speaker 3: in newspapers, or you know things you've already got. There

580
00:26:38,440 --> 00:26:41,240
Speaker 3: are lots of ways to reduce the physical waste. You

581
00:26:41,280 --> 00:26:44,640
Speaker 3: don't need all the trims, and you can repurpose decorations

582
00:26:44,680 --> 00:26:47,280
Speaker 3: shop them secondhand. So there are also lots of ways

583
00:26:47,320 --> 00:26:51,040
Speaker 3: to do those traditional holiday things without having that hugely

584
00:26:51,560 --> 00:26:54,199
Speaker 3: wasteful impact on the environment too, which I would encourage you.

585
00:26:54,160 --> 00:26:54,560
Speaker 2: To look into.

586
00:26:54,880 --> 00:26:56,960
Speaker 3: Yes, absolutely, but we did obviously put it to the

587
00:26:57,000 --> 00:26:58,520
Speaker 3: community to see what everybody else thought.

588
00:26:58,760 --> 00:26:58,920
Speaker 4: Yes.

589
00:26:59,359 --> 00:27:02,119
Speaker 3: First of all, we said what would you do if

590
00:27:02,160 --> 00:27:04,800
Speaker 3: you were our community member. Thirteen percent of people said,

591
00:27:04,960 --> 00:27:08,600
Speaker 3: just lean into Christmas, sixty seven percent said I would

592
00:27:08,640 --> 00:27:11,720
Speaker 3: accept that we all do Christmas differently, and twenty percent

593
00:27:11,840 --> 00:27:15,280
Speaker 3: said I would set firm boundaries with the grandparents. Next,

594
00:27:15,359 --> 00:27:18,800
Speaker 3: we said what's your biggest stressor at Christmas? Thirty four

595
00:27:18,800 --> 00:27:22,199
Speaker 3: percent of people said financial pressure very close, thirty two

596
00:27:22,280 --> 00:27:26,680
Speaker 3: percent of people said family dynamics, thirteen percent said gift guilt,

597
00:27:27,040 --> 00:27:30,000
Speaker 3: and twenty two percent of people said waste and excess.

598
00:27:30,520 --> 00:27:33,000
Speaker 3: So it sounds like our community members definitely not alone

599
00:27:33,040 --> 00:27:36,440
Speaker 3: in their concerns. After that, we obviously said what is

600
00:27:36,520 --> 00:27:40,240
Speaker 3: your two cents, and as always, we got lots of answers.

601
00:27:40,920 --> 00:27:44,360
Speaker 3: Somebody said the mental load is just next level. During

602
00:27:44,400 --> 00:27:47,000
Speaker 3: the end of the year, speak up and look after yourself.

603
00:27:47,119 --> 00:27:47,880
Speaker 2: Yes, very true.

604
00:27:48,080 --> 00:27:50,359
Speaker 3: Someone else said Christmas is a time of year people

605
00:27:50,440 --> 00:27:53,720
Speaker 3: seem to be the most wasteful. Look at doing gifts

606
00:27:53,800 --> 00:27:54,880
Speaker 3: during the year instead.

607
00:27:55,160 --> 00:27:57,639
Speaker 2: That's a good idea. Yes, so wasteful. It's almost like

608
00:27:57,680 --> 00:27:59,560
Speaker 2: a buffer between you and your spending. But like, make

609
00:27:59,560 --> 00:28:01,399
Speaker 2: a Christmas totally totally.

610
00:28:02,520 --> 00:28:05,920
Speaker 3: Someone else said, the gift of self compassion can go

611
00:28:06,040 --> 00:28:08,119
Speaker 3: a long way. I have a note on my mirror

612
00:28:08,160 --> 00:28:10,879
Speaker 3: to remind myself my love is not defined by what

613
00:28:11,080 --> 00:28:13,919
Speaker 3: I can afford, and at Christmas, I have to repeat

614
00:28:13,960 --> 00:28:16,360
Speaker 3: this often to myself, which I think is true.

615
00:28:16,560 --> 00:28:17,920
Speaker 2: Beautiful. I love that.

616
00:28:18,160 --> 00:28:20,240
Speaker 3: Yeah, literally, so true. My love is not defined by

617
00:28:20,280 --> 00:28:22,520
Speaker 3: what I can afford. Say it again, put it in

618
00:28:22,560 --> 00:28:22,920
Speaker 3: your mirror.

619
00:28:22,920 --> 00:28:24,320
Speaker 2: I really like that. That's beautiful.

620
00:28:25,240 --> 00:28:26,800
Speaker 3: Somebody else said, at a time of year when a

621
00:28:26,800 --> 00:28:28,480
Speaker 3: lot of us don't get to be with our loved ones,

622
00:28:28,880 --> 00:28:30,320
Speaker 3: just enjoy it while it's there.

623
00:28:30,680 --> 00:28:33,720
Speaker 2: Yeah, that's fair. It's a good point which I can't understand.

624
00:28:33,800 --> 00:28:35,320
Speaker 2: But that doesn't mean that you have to give in

625
00:28:35,400 --> 00:28:35,919
Speaker 2: on everything.

626
00:28:36,119 --> 00:28:38,560
Speaker 3: Yes, we had someone else say, kids don't care about

627
00:28:38,600 --> 00:28:41,400
Speaker 3: the amount or have words around it, but they'll sense

628
00:28:41,440 --> 00:28:42,160
Speaker 3: your feelings.

629
00:28:42,520 --> 00:28:45,680
Speaker 2: Yeah, that's true. They don't know how much things cost. True.

630
00:28:46,000 --> 00:28:48,200
Speaker 3: I think it is like you really remember, like when

631
00:28:48,240 --> 00:28:51,320
Speaker 3: I think about Christmas, I think about joy and happiness

632
00:28:51,360 --> 00:28:53,520
Speaker 3: and love, and you can do that with or without

633
00:28:54,080 --> 00:28:55,200
Speaker 3: any of the extra stuff.

634
00:28:55,240 --> 00:28:56,080
Speaker 2: Really conclutely.

635
00:28:56,240 --> 00:28:59,040
Speaker 3: Absolutely, somebody else said, respectfully, grandparents need to see it

636
00:28:59,080 --> 00:29:02,080
Speaker 3: from your point of view and compromise. We had someone

637
00:29:02,080 --> 00:29:05,120
Speaker 3: else say conversations are hard, the classic we hardly have

638
00:29:05,280 --> 00:29:08,800
Speaker 3: room for anything. Else often works, wonders, little loophole.

639
00:29:09,200 --> 00:29:09,880
Speaker 2: That's a good idea.

640
00:29:10,080 --> 00:29:13,080
Speaker 3: Someone else says in their home Santa does something you want,

641
00:29:13,240 --> 00:29:16,240
Speaker 3: something you need, something to wear, something to share, and

642
00:29:16,360 --> 00:29:17,120
Speaker 3: something to read.

643
00:29:17,560 --> 00:29:17,920
Speaker 2: Cute.

644
00:29:18,920 --> 00:29:19,440
Speaker 4: I love that.

645
00:29:19,680 --> 00:29:22,520
Speaker 3: Take a couple of boxes. Yeah, and then give one

646
00:29:22,560 --> 00:29:24,760
Speaker 3: big gift. And then I'm going to end on this

647
00:29:24,840 --> 00:29:26,600
Speaker 3: one because I think it just really sums everything up.

648
00:29:26,720 --> 00:29:30,720
Speaker 3: And they said sometimes joy can be your priority gorgeous,

649
00:29:31,080 --> 00:29:34,440
Speaker 3: which I think is really true. And yeah, as I said, Christmas,

650
00:29:34,640 --> 00:29:36,960
Speaker 3: there's a lot of pressure on people, I think, but

651
00:29:37,160 --> 00:29:40,760
Speaker 3: ultimately it is it is just another day in the year. Yeah,

652
00:29:40,880 --> 00:29:43,680
Speaker 3: And if you want to participate in everything, that's wonderful,

653
00:29:43,880 --> 00:29:45,400
Speaker 3: But there's no benchmark.

654
00:29:45,480 --> 00:29:47,040
Speaker 2: There's no right way to do Christmas.

655
00:29:47,320 --> 00:29:49,680
Speaker 3: And you know, if you and somebody else wants to

656
00:29:49,720 --> 00:29:52,480
Speaker 3: celebrate it differently, that's okay, but you might just dare

657
00:29:52,520 --> 00:29:54,600
Speaker 3: I say, need to communicate a little bit.

658
00:29:55,360 --> 00:29:58,680
Speaker 2: Just find a middle ground. That's crazy, it's a crazy take.

659
00:29:58,920 --> 00:30:01,960
Speaker 2: Communication is key. I fear people are going to start

660
00:30:02,000 --> 00:30:02,360
Speaker 2: listening to this.

661
00:30:02,440 --> 00:30:06,239
Speaker 3: I know we're aaza, yeah, but please stay with us,

662
00:30:06,440 --> 00:30:09,320
Speaker 3: Please don't leave us. Enjoy the holiday season.

663
00:30:09,240 --> 00:30:11,440
Speaker 2: For those who celebrate Christmas. Merry Christmas to you and

664
00:30:11,840 --> 00:30:14,160
Speaker 2: very happy holidays. And we'll see you guys bright and

665
00:30:14,240 --> 00:30:16,960
Speaker 2: early on Monday morning. See you guys. Bye.

666
00:30:23,400 --> 00:30:25,520
Speaker 5: The ad buy shared on She's on the Money is

667
00:30:25,640 --> 00:30:29,200
Speaker 5: general in nature and does not consider your individual circumstances.

668
00:30:29,600 --> 00:30:32,960
Speaker 5: She's on the Money exists purely for educational purposes and

669
00:30:33,040 --> 00:30:35,440
Speaker 5: should not be relied upon to make an investment or

670
00:30:35,560 --> 00:30:39,080
Speaker 5: financial decision. If you do choose to buy a financial product,

671
00:30:39,200 --> 00:30:43,160
Speaker 5: read the PDS TMD and obtain appropriate financial advice tailored

672
00:30:43,200 --> 00:30:46,640
Speaker 5: towards your needs. Victoria Divine and She's on the Money

673
00:30:46,720 --> 00:30:48,880
Speaker 5: are authorized representatives of Money.

674
00:30:48,920 --> 00:30:50,520
Speaker 2: Sheirper Pty Ltd

675
00:30:50,800 --> 00:30:53,840
Speaker 5: ABN three two one is six four nine two seven

676
00:30:53,960 --> 00:30:57,800
Speaker 5: seven zero eight AFSL four five, one two eight nine