Speaker 1: She's on The Money Radio Show.
Speaker 2: With Victoria Divine starts now, Hello and welcome to the
Speaker 2: She's on The Money Radio Show podcast. The radio show
Speaker 2: podcast for millennials who want financial freedom.
Speaker 1: I feel like I'm getting better at that.
Speaker 3: You are getting better and better as the gone by
Speaker 3: six months and we're still not there, but we are
Speaker 3: working on it together as a team.
Speaker 1: Cute Victoria, Miss Victoria.
Speaker 2: Yeah, about to say, Mitchie, you went to the bathroom beforehand.
Speaker 2: You didn't actually see the photos that Victoria showed me
Speaker 2: of her wedding dress number one amazing.
Speaker 4: I've seen the articles. God, I've read the front page
Speaker 4: of every every you can't make you gotta.
Speaker 3: Wait for haven't come out? Yeah, they haven't come out yet.
Speaker 4: About I get express screenings you see, okay to me before.
Speaker 3: Becauseous I did text him some so it makes sense.
Speaker 1: Tell us about it.
Speaker 3: Oh my god, best day of my life. I feel
Speaker 3: like everyone says that. I'm also going to say the
Speaker 3: cliched oh my god, it flew by, because it also did.
Speaker 3: But it was honestly magic, Like I could not have
Speaker 3: asked for better weather. Like I feel like our weather
Speaker 3: was so lucky in Melbourne for the entire week before
Speaker 3: our wedding it was storming and then it was a
Speaker 3: perfect day, twenty two degrees sunny, little clouds in the sky.
Speaker 3: Was a ten out of ten from my perspective.
Speaker 2: I went to a wedding the week before in Perth,
Speaker 2: and Perth is usually amazing wedding weather and literally amazing
Speaker 2: weather all the way up on the Saturday when they
Speaker 2: got married, absolutely storming. Had to change their wedding venue,
Speaker 2: No the day before.
Speaker 3: Oh my heart, I would have been so stressed. I'm
Speaker 3: so grateful to have had it at the venue we
Speaker 3: had it at, like because everything was in one location.
Speaker 3: So we got married where the reception was, where where
Speaker 3: the after party was, and where the recovery party was,
Speaker 3: so we didn't even leave that location for the entire weekend.
Speaker 3: It was the best.
Speaker 2: What was the one thing that stands out in your mind?
Speaker 2: Like one little moment you were.
Speaker 3: Like, well, walking down the aisle one hundred percent walking
Speaker 3: down the aisle with my dad and seeing Steve there
Speaker 3: crying and our dog being like hi mom. At the end.
Speaker 3: It was so sweet, was so so sweet. If you
Speaker 3: ever get married so stereotypical, you're going to.
Speaker 1: Cry like I cry at other people's weddings. I don't reckon.
Speaker 1: I'll be able to even say my vows. MITCHI, how
Speaker 1: do you reckon?
Speaker 4: You would go, oh my god, trav I said this
Speaker 4: on the show this week, which you'll hear. I cried
Speaker 4: watching the Block for.
Speaker 3: Now last Yeah, you're in trouble.
Speaker 4: Look, it's really bad. And I cried at the end.
Speaker 4: Out of the auctions.
Speaker 3: We both cried the entire time, which is not what
Speaker 3: I expected. I would like to think that I'm a
Speaker 3: really well spoken young lady. So I had practiced my
Speaker 3: vows and made sure that I was like, you know,
Speaker 3: knowing what was coming, because you don't want to stumble.
Speaker 3: All I did was like I was just crying and crying.
Speaker 3: So with Steve so like kind of made it a
Speaker 3: little bit wholesome, a little bit lame, but definitely unforgettable.
Speaker 1: You know that he is a lobster.
Speaker 3: So he is his best man. Speech referenced to a
Speaker 3: number of different animals. But we won't go there. We'll
Speaker 3: keep some things about the wedding private.
Speaker 2: I think this week on the SHO show, we got
Speaker 2: the Block guys Sarah, Jane and Tom.
Speaker 4: Yeah, that was tragic. So if you missed it right.
Speaker 4: Tom and Sarah Jane with the front runners the whole season.
Speaker 4: Tom was one of the only contestants that had actual
Speaker 4: trading experiences. He's got his own plumbing business. Sarah Jane's
Speaker 4: a social worker. They were great, had a great attitude,
Speaker 4: and they won a whole bunch of challenges early in
Speaker 4: the season, so they got a massive cash injection. So
Speaker 4: sort of objectively they had the best house right, they
Speaker 4: went second. They got to pick the order of the auctions,
Speaker 4: and they put themselves second, thinking sell the first one
Speaker 4: and then they have to.
Speaker 5: Go above that.
Speaker 3: Yeah that's the same one.
Speaker 4: With the golden dress.
Speaker 1: Yeah, yeah, that's you vine dress.
Speaker 3: You did not wrong.
Speaker 4: Anyway, it didn't work in their favor. They went over
Speaker 4: their reserve by twenty k, which meant the household they
Speaker 4: made twenty k was tragic for them, and we chatted
Speaker 4: them all about it. Also the and I discover we
Speaker 4: get an exclusive here. In fact, they're thinking about OnlyFans
Speaker 4: and seriously thinking about putting photos of themselves online, and
Speaker 4: we talk about that.
Speaker 3: Yeah, genius, genius. I mean, I don't know how serious
Speaker 3: they were about it, but like there is definitely a
Speaker 3: market for people who want photos that they're they're pitching, so.
Speaker 1: Get you off, gets you off.
Speaker 3: We've all been there.
Speaker 1: Of course, you love a good croc, so I do.
Speaker 3: I do. I actually have to give my friends at
Speaker 3: seven eleven a call because they do coffee cup crop Gibbets.
Speaker 3: What are they called? Ya? What's the same? I desperately
Speaker 3: warm one. I actually slid into their DMS. I've never
Speaker 3: slid into any company's DMS and asked for anything in
Speaker 3: my entire life, because that gives me the heb GBI's.
Speaker 3: You know when people are like, oh, I just for
Speaker 3: free because you've got na nah. But I did slide
Speaker 3: into seven eleven's DMS. I said, what does it take
Speaker 3: for me to get a coffee cup gibbets?
Speaker 1: Amazing?
Speaker 2: Let's slide into the show right now. She's on The
Speaker 2: Money Radio show starts right now. Yeah, for your Saturday
Speaker 2: morning it's She's on the Money Radio Show with Australia's
Speaker 2: number one finance podcast of Victoria Devine. We've got mixed
Speaker 2: cury as well. But guys, bad news. The world's about
Speaker 2: to end financially.
Speaker 3: V How many times does that happened in the past,
Speaker 3: trav I feel like it's happened a million times before,
Speaker 3: and that's why we're talking about it today, because it
Speaker 3: shouldn't be something that stresses you out. The economy in
Speaker 3: general comes in ebbs and flows, and they say that
Speaker 3: the economy does reset itself every seven years. So it
Speaker 3: should be expected because there's been a while since we
Speaker 3: had our last recession, and our biggest last recession was
Speaker 3: obviously the global financial crisis that happened in two thousand
Speaker 3: and eight two thousand and nine, and I feel like
Speaker 3: after COVID, we're kind of due for a bit of
Speaker 3: a financial reset. We're seeing the cash rates go up,
Speaker 3: We're seeing our mortgages cost us more. Last week on
Speaker 3: the show, we talked about how our mortgages, given the
Speaker 3: seven consecutive rate rises over the last seven months, are
Speaker 3: now costing you eight hundred and fifteen dollars per month
Speaker 3: more on a five hundred dollars mortgage, which is insane.
Speaker 3: Like people are finding that their purse strings are a
Speaker 3: little tighter than they used to be. So we need
Speaker 3: to talk about these things to one normalize what's going on.
Speaker 3: But two, what's a recession? Do we even know?
Speaker 1: No?
Speaker 4: I remember when I was a kid right, and my
Speaker 4: parents would throw around GFC and I'm like, are we
Speaker 4: getting oh my goshun And I got so excited. And
Speaker 4: then as I grew up and realized, oh no, that's
Speaker 4: really grim. But I actually have never really grasped the
Speaker 4: idea of a recession, like I know the Great Depression
Speaker 4: you studied in high school, but I don't really know.
Speaker 4: Is there a technical term?
Speaker 3: Be definitely a technical term, and it's essentially just a
Speaker 3: business cycle where there is a very general decline in
Speaker 3: economic activity. I was talking on my podcast a couple
Speaker 3: of months ago about a bear and a ballmarket, and
Speaker 3: people like, what the hell we've been throwing this term
Speaker 3: of what a bear market is around recently. But essentially
Speaker 3: a bear market is where our economy declines by twenty
Speaker 3: percent from a twelve month high. So when I say that,
Speaker 3: you go, oh, that makes sense. It just means it's dropping,
Speaker 3: and a bull market means the exact opposite. It's an
Speaker 3: incline of twenty percent in the economic activity. So when
Speaker 3: we're talking about a recession, it kind of makes sense.
Speaker 3: What we've been through here in Australia. We went through
Speaker 3: some bushfires, then we went through COVID and everything went
Speaker 3: absolutely south. Literally we have been through the wars here
Speaker 3: in Australia, but the same thing has happened into nationally
Speaker 3: and we are all under a lot of pressure. So
Speaker 3: it makes sense that there is going to be a
Speaker 3: pullback in business activity across the board. And that's basically
Speaker 3: what a recession is. And the important thing to take
Speaker 3: into consideration here is not that you guys all have
Speaker 3: businesses and need to be worried about all of that,
Speaker 3: but across the board, unemployment often rises during recessions, and
Speaker 3: total employment levels can flatline or completely turn negative. So
Speaker 3: that is where it begins to impact us and our
Speaker 3: families and our friends and become something that is a
Speaker 3: lot harder.
Speaker 1: Yeah, yeah, but hard on.
Speaker 4: What can we do on like a micro level to
Speaker 4: prepare for a potential recession.
Speaker 3: So the first thing I would do is make sure
Speaker 3: you have an emergency fund set up that is going
Speaker 3: to make sure that if something goes south for you,
Speaker 3: you're able to afford it. The last thing we want
Speaker 3: to be doing is getting into debt. I would be
Speaker 3: considering job financial security. So are you in a role
Speaker 3: that is going to be financially secure? I feel like
Speaker 3: it's one of those things where we need to budget,
Speaker 3: we need to cash flow, make sure that we're on
Speaker 3: a stable financial platform. And if you are in debt,
Speaker 3: have a chat to our friends at the National Debt Helpline.
Speaker 3: If this is sending you into a bit of a spin.
Speaker 3: They are absolutely fantastic, have some really beautiful resources. You
Speaker 3: can just give them a buzz meach. They are actual
Speaker 3: legends doing really cool things. They have access to every
Speaker 3: single connection under the sun that can help you. But
Speaker 3: then they also have free financial counseling which can help
Speaker 3: you feel a little bit more secure and a time
Speaker 3: that is a little bit more tumultuous.
Speaker 1: So we've got a couple of special guests on the
Speaker 1: line right now.
Speaker 4: Guys.
Speaker 3: I'm very excited to talk to these guys actually, because
Speaker 3: I think a lot of people were really disappointed with
Speaker 3: the outcome for them, which I totally get, but it's
Speaker 3: not often the reason they go on the show. So
Speaker 3: I want to dig deep into why they went on
Speaker 3: the show in the first place and where they want
Speaker 3: to go next.
Speaker 4: Yeah, I cry because Tom and Sarah Jane were incredible.
Speaker 4: They're joining us now. Hello, guys, Commiserations and welcome to
Speaker 4: she's on the money. Thank you.
Speaker 3: I want to know. Let's take us back all the
Speaker 3: way to the start. Why did you apply for the show?
Speaker 3: What were you wanting to get out of this?
Speaker 6: Honestly, like we were looking to get a financial game
Speaker 6: like that was truly our sole purpose.
Speaker 5: Honestly for us. I had the best twelve week experience
Speaker 5: in my life, and I did it with no regrets
Speaker 5: and I wouldn't change anything to do it again. But
Speaker 5: we actually did go on the show to try to
Speaker 5: get ahead on our mortgage a little bit. Yeah, just
Speaker 5: didn't work out how we thought it did. But we're
Speaker 5: just glad we had a great time. And if we.
Speaker 6: Hadn't had a miserable time and actually not enjoyed the
Speaker 6: build and designing and dinners like it would have felt
Speaker 6: like a lost because we had an amazing time. Like
Speaker 6: that's been a really, really kind of big thing that
Speaker 6: we've been focusing on. It's made us bounce back so quickly.
Speaker 3: Oh I love this, And do you know what I
Speaker 3: love more? I feel like you guys just have your
Speaker 3: head screwed on because the amount of times I talk
Speaker 3: to people that have been on the show before they
Speaker 3: say things like, oh, I just really wanted a good experience.
Speaker 3: I'm like, bro, we need a really clear goal out
Speaker 3: of this.
Speaker 1: All true reality though I.
Speaker 4: Love that and people only go on reality shows for
Speaker 4: one of two reasons. A to start an only fans
Speaker 4: or B for the money. And let's be really, you
Speaker 4: guys have the money, Well I don't really fe.
Speaker 3: That's where the money is going to be. Have you
Speaker 3: seen every other reality TV stuff? I feel like you're
Speaker 3: missing your chance.
Speaker 1: Do we have an exclusive here?
Speaker 5: Tom?
Speaker 6: I've always had a really good feat and I feel
Speaker 6: like this is my moment.
Speaker 3: Why do you know what? Let me know how that goes,
Speaker 3: because you could be a money diary on my podcast
Speaker 3: in the next few months. But I want to know
Speaker 3: a bit more about what the plan is now. Obviously
Speaker 3: the results are a bit disappointing. Your home was absolutely stunning, though,
Speaker 3: so I feel like there's a lot of opportunity coming up.
Speaker 3: What is next.
Speaker 6: We'll still continue to obviously work, because we still need
Speaker 6: to pay all at our bills, but hopefully things do
Speaker 6: come from it, and if it's something that we actually
Speaker 6: believe in and something of interest to us, then hopefully,
Speaker 6: you know, maybe we can make money that way. If
Speaker 6: people want, you know, to hire Thomas as their plumber.
Speaker 3: I think it's a great idea. I think it's genius.
Speaker 3: I feel like you really should be making Hey while
Speaker 3: the sun is shining.
Speaker 4: After Victoria's two morning coffees here at the radio show.
Speaker 4: These toilet plums that kiss FM Tom, we can really
Speaker 4: get you in here. And I mean, let me tell
Speaker 4: you those stress poos.
Speaker 6: I totally get it. I'm a nervous poller.
Speaker 4: Did you do a nervous pooh after the auction?
Speaker 3: I would have done it before, you know, I.
Speaker 6: Did it before I did a drunk poop afterwards.
Speaker 3: Yeah, yeah, yeah. So Sarah Jane, what are you thinking?
Speaker 3: Are you thinking of changing your career direction after the
Speaker 3: experience that you've had over the last twelve weeks.
Speaker 6: I really do not know, because like design sounds really
Speaker 6: intriguing to me, but I honestly, like know nothing about
Speaker 6: the legit rules of it or how it works. Like na,
Speaker 6: I just gave me a credit card and I was like, yeah,
Speaker 6: well I want this. I want some of this, and
Speaker 6: I'm going to put it all together.
Speaker 1: I just got a.
Speaker 3: Proper water when I went into Eternal nine the other day.
Speaker 3: Is that what you got a credit card loser.
Speaker 6: Spending other people's money was like my favorite aspect of
Speaker 6: the whole show.
Speaker 3: I hope you find something that really sparks joy, because honestly,
Speaker 3: I feel like so many people in our community really
Speaker 3: resonated with you guys, and feel like they want to
Speaker 3: see more of you. So we can't wait to see
Speaker 3: what is next, whether it is and only fans for
Speaker 3: feet or a plumbing business for people who have had
Speaker 3: a bit too many drinks after the block. We are
Speaker 3: genuinely so excited to see where you go and know
Speaker 3: that this is not the last stop on the way.
Speaker 2: All right, If you are struggling with your cash flow,
Speaker 2: got yourself in a bit of a situation, and need
Speaker 2: some advice, you can hit us up at She's on
Speaker 2: the Money on Socials, Holly. She wrote in she wants
Speaker 2: some advice on investment properties fee and we're going to
Speaker 2: get to that next.
Speaker 1: This is She's on the Money radio show.
Speaker 2: We're about to solve somebody's money to Lemma Victoria, divine
Speaker 2: we are.
Speaker 3: It is my favorite time of the week where someone
Speaker 3: from our community has a juicy money question and we
Speaker 3: get to dish all the goss and give unsolicited advice.
Speaker 4: Can I just say, Travin, you can probably attest to this. Sorry,
Speaker 4: this sounds awful. Not the one, but one of the
Speaker 4: best benefits of being friends with Victoria Divine, there's many,
Speaker 4: is free financial advice whenever you want. I text her
Speaker 4: all the time and she gives Sometimes it's elicited.
Speaker 2: But why wouldn't you want the advice of Australia's number
Speaker 2: one finance podcast.
Speaker 4: That's right, Well Holly wants it right. She sent us
Speaker 4: a voice note. She's part of the she's on the
Speaker 4: main community, she's a sugar baby, and she asks this.
Speaker 2: I have a small deposit using the government five percent
Speaker 2: scheme for a chance of buying a small two bedroom
Speaker 2: property with not much savings to back me up. Do
Speaker 2: I do that or do I save?
Speaker 3: At the end of next year, I would have sixty
Speaker 3: thousand dollars in savings and do I invest that money
Speaker 3: instead in something else? Look, I feel like this is
Speaker 3: a really interesting one because when it comes to property,
Speaker 3: if that's what you've set your heart on, the second
Speaker 3: you have a deposit amount, you're ready to buy. But
Speaker 3: that doesn't mean you should do it. Because I think
Speaker 3: it's one thing to have the cash there, but it's
Speaker 3: another thing to completely separate from it. And I am
Speaker 3: a really big believer in making sure that you have
Speaker 3: an emergency fund in addition above and beyond your deposit,
Speaker 3: so that once you move into the house, if any
Speaker 3: unexpected costs come up, you're able to cover them. But
Speaker 3: then again, what if something happens and when the cash
Speaker 3: rate increasing. I just feel like being a little bit
Speaker 3: more conservative and giving yourself a little bit more breathing
Speaker 3: room is a really good idea at the same time
Speaker 3: as completely understanding that the second you get to that amount,
Speaker 3: you're really stressed because property is going up in price
Speaker 3: and interest rates are going up and you want to
Speaker 3: get in sooner, right, But that does not mean it
Speaker 3: is the best idea for you. And my advice here
Speaker 3: would genuinely be go and talk to one of our
Speaker 3: Zella mortgage brokers and say, hey, guys, I'm really excited
Speaker 3: to get into my first property or my next property.
Speaker 3: Is this actually viable for me? What would this purchase
Speaker 3: look like? Because the girls and do you know what,
Speaker 3: your mortgage broker will do this too. They'll run the
Speaker 3: numbers for you and go all right, sit down, Mitch,
Speaker 3: if you're going to buy, this is your deposit. This
Speaker 3: is how much a solicitor is going to cost. This
Speaker 3: is how much you're building a pest inspectra will cost.
Speaker 3: His land tax is his stamp duty. Here's how much
Speaker 3: will be left over. But also they might be able
Speaker 3: to pivot it and go all right, well, if you
Speaker 3: had an additional this that might help, or you might
Speaker 3: rock up like a few of our clients have recent
Speaker 3: and they're like, they, I've saved up my twenty percent,
Speaker 3: I want to get into my first home, and we go, yeah,
Speaker 3: let's do it. Do you know you only need a
Speaker 3: five percent deposit because we can get you into this scheme,
Speaker 3: or you know, a ten percent deposit because you know
Speaker 3: this bank is offering this particular scheme and you're going
Speaker 3: to have more in your emergency fund. And everybody needs
Speaker 3: to be financially secure in making that decision. I just
Speaker 3: don't think anyone should go into it with out Oh
Speaker 3: I now have absolutely no money and can't afford to
Speaker 3: pay bills. I'd probably be a little bit more conservative
Speaker 3: at this point in time, just because I'm a little
Speaker 3: bit more conservative as a finance gal.
Speaker 5: You know.
Speaker 4: Oh yeah, but when it comes to clothing. My god
Speaker 4: ankles out conservative when it comes to money, but when
Speaker 4: it comes to the outfits, Oh.
Speaker 2: Boy, priorities mate, that's what it is. But you know what,
Speaker 2: let's save some people some money, Victoria Devine because.
Speaker 3: We super save Saturday.
Speaker 1: That's she took my job, mate, exactly.
Speaker 3: And this week I've got some click baity styles savings
Speaker 3: hacks that you know what, if I pitched them well
Speaker 3: enough on the radio show, I think BuzzFeed it even
Speaker 3: want to pick them up.
Speaker 1: Amazing.
Speaker 2: All right, that is coming up next on She's on
Speaker 2: the Money radio show.
Speaker 1: What a reference, trav I love that little barb as well. Guys.
Speaker 1: Let's save some people some money Simper Saturday.
Speaker 3: Guys. I am so excited for these tips because when
Speaker 3: I sat down to pull them together, I was like,
Speaker 3: all right, well, the silly season is coming up. Everyone
Speaker 3: needs tips before Christmas comes. I'm going to start off
Speaker 3: with flights. Make sure you book your flights either on
Speaker 3: or before the first week of November or December four
Speaker 3: to ten, because it turns out, according to Travelocity, these
Speaker 3: are when prices are going to be the lowest, and
Speaker 3: of course waiting till later in December is going to
Speaker 3: be super risky because one, flights could be full, but
Speaker 3: when they start to get less and less capacity available,
Speaker 3: they're going to get more expensive.
Speaker 4: Is that what bumps up the flights Viba?
Speaker 3: Yes, So it's either capacity or it's them knowing that
Speaker 3: that timing is going to be really expensive. So for example,
Speaker 3: if you wanted to fly tomorrow, you're probably desperate for something.
Speaker 1: All right, what's tip number two?
Speaker 5: All right?
Speaker 3: Tip number two is ask for the manager. Karen do I'm.
Speaker 4: Sorry, no, no, no. She gets married and all of
Speaker 4: a sudden she wants to talk to the manager.
Speaker 3: Age twenty years So I was in JB high fiving
Speaker 3: the other day, very elite establishment because they price match.
Speaker 3: So if you are Christmas shopping, my best tip I
Speaker 3: have is, if you found the perfect gift item you
Speaker 3: might be buying some speakers, google the product and if
Speaker 3: the price is cheaper online, ask for the manager and
Speaker 3: see if they can price match, because sometimes even if
Speaker 3: it's not displayed, they are very likely to not want
Speaker 3: to lose the sale. Like, just be kind, be nice
Speaker 3: and try and price match.
Speaker 4: There's websites that also compare them and show you what
Speaker 4: interest is you whip it out, you show them the screenshot.
Speaker 4: I've done it before, and they will price match on
Speaker 4: a screenshot.
Speaker 3: I know definitely that they do it at JB High
Speaker 3: five because they've done it for me a number of
Speaker 3: times and they're actually really good in there, and I
Speaker 3: always know that I'm going to get the breast price
Speaker 3: and really good service. I'm obviously not sponsored by them
Speaker 3: in any way, shape or form, but I would welcome
Speaker 3: it to the show in twenty twenty three if people
Speaker 3: are interesting. Yeah, but it's just one thing that we
Speaker 3: always forget to do. Would you like Tip three?
Speaker 1: Yeah?
Speaker 4: Hit me yea.
Speaker 3: So Tip three is for the people who don't want
Speaker 3: to ask for a price match. You might be a
Speaker 3: little less confident, You're not ready. You're going to go
Speaker 3: to your app store and you're going to download an
Speaker 3: app called shop Savvy. So what is shop Savvy? I
Speaker 3: hear the crowd scream. Oh, well, it is an app
Speaker 3: that you download that you scan your potential gift sparcode
Speaker 3: and it will find it for you for less somewhere
Speaker 3: on the internet.
Speaker 1: Oh that is amazing.
Speaker 5: Yep.
Speaker 3: You just scan the barcode and away it goes, and
Speaker 3: it says, hey, the cheapest price for this exact item,
Speaker 3: not just googling it being like, oh do you reckon?
Speaker 3: These headphones are the same nut's the barcode, So it's
Speaker 3: super easy, and I think it's another savvy tip that
Speaker 3: is going to stay in your back pocket because sometimes
Speaker 3: I don't know, you might be in a big department
Speaker 3: store getting really terrible service and you can't even find
Speaker 3: a shop sales assistant. So that will come in handy call.
Speaker 1: We do that with a mixtury as well.
Speaker 3: Scan the barcode on his forehead.
Speaker 4: My barcode is in my nether regions, and I will
Speaker 4: have you know I'm one of one. Baby.
Speaker 1: Okay, no price matching these, But I.
Speaker 3: Do also think it's a smart tip for right now
Speaker 3: because hopefully you guys are as slack as I am
Speaker 3: and haven't started Christmas shopping, and so you need these
Speaker 3: tips in your ears right now instead of later in
Speaker 3: December when we're like, well, mate, I don't have time
Speaker 3: to order that on the internet.
Speaker 1: We've got nothing but time right now, We've got nothing
Speaker 1: to do. Victoria does, sure does Mitch Sury.
Speaker 2: You're sticking around mate for the Life Uncut radio show.
Speaker 2: But in the meantime, if you do have a question
Speaker 2: for us or you need some advice, you can hit
Speaker 2: us up anytime.
Speaker 1: Just search Shees on the Money, on socials. We'll speak
Speaker 1: to you next week.