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Speaker 1: My name's Atasha Bamblet. I'm a proud First Nations woman

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

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Speaker 1: nianar kaka ya Ya bin Ahaka nian our gay in

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Speaker 1: Mbina yakarum jar Dominyama, Domagahawakaman, damon Imlan Bomber bang Gadabomba

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Speaker 1: in and now in wakah ghana on yakraum jar Watnadaa. 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 Abiginal 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.

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Speaker 3: She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: that lets you be pervy about other people's money habits

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Speaker 2: for educational purposes, of course. Welcome back to another one

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Speaker 2: of our Money Diaries episodes where I get the absolute

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Speaker 2: pleasure of sitting down and having a chat with one

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Speaker 2: of our incredible She's on the Money community members all

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Speaker 2: about their journey. Now let's jump straight into it, because

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Speaker 2: this week I got a message and it sounded like this, Dear,

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Speaker 2: she's on the money. I became a mum at eighteen.

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Speaker 2: I finished Year twelve, and then four weeks later I

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Speaker 2: had my baby. Then I went onto university. While working

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Speaker 2: and raising my girl, money was tight and every dollarcounted

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Speaker 2: living on sentling. Over the years, I've worked hard to

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Speaker 2: build a career, buy a home, and create stability for

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Speaker 2: my family. I'm now focused on growing wealth through budgeting,

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Speaker 2: hopefully soon investing, and long term planning. My money journey

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Speaker 2: is about resilience, learning and creating the future. I only

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Speaker 2: once dreamed of money. Doris, this is very cool.

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Speaker 4: Thank you.

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Speaker 2: Sorry having a baby at eighteen while I'm assuming you

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Speaker 2: felt pregnant in grade twelve.

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Speaker 5: Yeah, yeah, I was a start of year twelve, so

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Speaker 5: I think I found out on April Fool's Day. Oh

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Speaker 5: what a joke, it's the worst April Fools. I did

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Speaker 5: eight pregnancy tests and yeah, I was pregnant. It was

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Speaker 5: a real thing.

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Speaker 2: No, hold on, let's backtrack a little bit. I want

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Speaker 2: to know before we dive further in, because I've just

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Speaker 2: got so many questions. What grade would you give your

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Speaker 2: money habits from A three to F.

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Speaker 5: I think I'm really on the fence between like a

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Speaker 5: C plus or a B minus. Yeah, I'm sort of

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Speaker 5: like doing okay, but I guess there's always room for

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Speaker 5: growth in I'm only a new community member. I sort

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Speaker 5: of joined the shoes on the many communities. I listened

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Speaker 5: to podcasts in January this year.

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Speaker 2: Sorry, welcome to the fan.

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Speaker 5: Yeah, so I'm a newb so yeah, still just sort

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Speaker 5: of getting on track. But I do think looking back

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Speaker 5: in sort of for your books listening to the podcast today,

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Speaker 5: I have definitely had some really good habits that have

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Speaker 5: helped me get to where I am now.

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Speaker 4: And now it's around kind of refining.

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Speaker 2: And girl, you've had amazing habits. The fact that you

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Speaker 2: finished your twelve pregnant and did all of that like

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Speaker 2: be so for real, Like I know that the option

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Speaker 2: of dropping out might have seemed really appealing at the time.

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Speaker 2: And like one of my friends from way back when

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Speaker 2: I was in grade twelve, she actually fell pregnant, I

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Speaker 2: would say, about the same time as you did. In

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Speaker 2: grade twelve. She actually went into labor in our English exam,

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Speaker 2: and she finished, and she is now the most incredible

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Speaker 2: teacher and like does like runs rings around things. She

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Speaker 2: now has like three kids. She's an icon. But I

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Speaker 2: just think these stories are so beautiful because that sounds

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Speaker 2: like a really rough start to getting your money story started.

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Speaker 2: You didn't have time to set yourself up financially, like

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Speaker 2: there clearly wasn't a lot of planning involved in this

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Speaker 2: type of stuff. But you've come out on top, like

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Speaker 2: and you're probably in a better money situation then so

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Speaker 2: many people, and like that's just inspirational. So I cannot

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Speaker 2: wait to tear more.

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Speaker 4: Thank you.

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Speaker 2: You did eight pregnancy tests and then what had to

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Speaker 2: melt down?

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Speaker 5: It was just like shock, I think my partner, who's

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Speaker 5: now my husband.

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Speaker 2: But you're still together.

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Speaker 4: We're still together.

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Speaker 2: That's so cute. I love love.

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Speaker 4: We're still together.

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Speaker 5: Yes, so thirteen years married this year we ended up

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Speaker 5: getting pregnant. A bit of a shotgun wedding just because

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Speaker 5: I think it was such a hectic here and looking back,

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Speaker 5: probably wouldn't do that again. But we got married and

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Speaker 5: we were like, let's just do this, like we're a

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Speaker 5: bit crazy, we're in survival mode.

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Speaker 4: But yeah, I was just pronounced very shocked. I think

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Speaker 4: I just walked in the.

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Speaker 5: Room and he was still asleep, and I just stared

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Speaker 5: at him, and then he woke up and he's like, oh, yeah,

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Speaker 5: you're pregnant.

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Speaker 4: I was like, yeah, yeah, I am.

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Speaker 6: No.

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Speaker 5: Yes, it was a bit shocking, and it did change

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Speaker 5: the course of my life forever, you know, going back

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Speaker 5: before I got pregnant, I was always some one who

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Speaker 5: worked really hard. I had two jobs in high school.

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Speaker 5: I'd go from working one sort of hostpow job to

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Speaker 5: another ostcrow job, but you know, day and night on

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Speaker 5: the weekends, and always had a really big, you know,

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Speaker 5: work ethic, and it was really important to me to

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Speaker 5: work and have money and savings and stability. So then

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Speaker 5: to suddenly have your whole world flipped upside down did

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Speaker 5: change things for me. And it did, unfortunately lead to

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Speaker 5: me not getting any more shifts you know in my

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Speaker 5: job that was working a very big fast food company

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Speaker 5: at the time, and yeah, it sort of changed.

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Speaker 4: It meant that, Yeah, I had to apply for center

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Speaker 4: Link and had to move schools.

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Speaker 5: My school kicked me out and had to go and

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Speaker 5: stop her. Yeah, joined the local tafe to be able

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Speaker 5: to finish year twelve, So it did shift a lot

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Speaker 5: of things for me.

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Speaker 2: Why did your school kick you out? Were they like

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Speaker 2: a Catholic school?

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Speaker 5: Yeah, I was at a religious school, and yeah, the

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Speaker 5: principal called me up and said it wasn't sort of

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Speaker 5: a good role model for the younger students because I

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Speaker 5: was pregnant, which yeah, is bizarre in itself, because you know,

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Speaker 5: if we think about what maybe religious schools teach, you know,

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Speaker 5: around loving people and oh.

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Speaker 2: Yeah, no, no, no, it is it's crazy. I also

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Speaker 2: went to a Catholic high school and my friend was

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Speaker 2: asked because she didn't get kicked out, which is really good.

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Speaker 2: And I don't know a lot about the semantics of

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Speaker 2: that conversation, but I do remember talking to her because

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Speaker 2: she was asked not to wear the uniform anymore and

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Speaker 2: that she could come to school, but she had to

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Speaker 2: be in playing clothes. And like, looking back on that,

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Speaker 2: it's like she's already having a rough time, like to

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Speaker 2: then be ostracized and like pointed out even more, Like

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Speaker 2: what do you like? Sometimes you just look at things

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Speaker 2: that happened during school and you go, why the hell

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Speaker 2: did anybody think that that was appropriate? Like would not

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Speaker 2: the best thing to have been done? Was keep you

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Speaker 2: in that environment and support you through that and show

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Speaker 2: everybody that no like, mistakes happen and we are kind. Yeah,

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Speaker 2: absolutely horrific. I'm so sorry you went through that.

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Speaker 5: It doesn't make any sense. It's already a hard time.

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Speaker 5: You're already feeling self conscious, so let's make people more

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Speaker 5: self conscious.

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Speaker 2: It doesn't really thousand percent. So you finish your twelve

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Speaker 2: through tafe an icon, I love this for you. What

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Speaker 2: was it like giving birth four weeks after finishing year twelve?

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Speaker 5: It was crazy, Like I think I just set myself

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Speaker 5: a deadline, had to get three year twelve. So I

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Speaker 5: did that and then sort of had four weeks to

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Speaker 5: you never chilling. You're exhausted and you end up having

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Speaker 5: more appointments and things like that, and you're running around.

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Speaker 5: So I had my license there. I turned eighteen, sort

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Speaker 5: of halfway through my pregnancy, so that was nice to

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Speaker 5: have a bit of freedom.

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Speaker 4: And yeah, I just kind of was I think, to.

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Speaker 5: Be honest, I haven't really processed a lot of what

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Speaker 5: I've gone through until sort of this stage in life.

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Speaker 4: Like it just sort of knuckled down and had to

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Speaker 4: get on that. It had to go into mom mode.

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Speaker 5: Figure it out and my goal was always to make

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Speaker 5: sure that, you know, my daughter had a stable life

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Speaker 5: and the best life, she called it. And it didn't

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Speaker 5: feel like she came from a mum who was a teenager,

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Speaker 5: because you know, obviously stereotypeople that, you know, can look

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Speaker 5: perhaps a little bit.

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Speaker 4: Different to what I wanted to look like. So yeah, then.

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Speaker 5: Had her and a whole world changed, and as it

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Speaker 5: does when anyone become a mom. And yeah, it was

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Speaker 5: obviously you know, the ups and downs and the challenges

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Speaker 5: and that sort of thing. And maybe, yeah, when she

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Speaker 5: was about six months old, I decided that I was

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Speaker 5: going to go to UNI.

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Speaker 4: So I ended up doing a media intake for UNIE and.

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Speaker 2: You're in icon. You are in absolute icon. So you

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Speaker 2: went to UNI? What did you study?

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Speaker 5: I did a Bachelor of Criminal Justice? Okay, icon, very

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Speaker 5: niche you know just what I was into at the time,

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Speaker 5: and you know I still am. But yeah, so when

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Speaker 5: on and did that and I ended up doing that.

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Speaker 5: I was a three year degree and I actually got

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Speaker 5: to do it in two and.

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Speaker 2: A half years to stop it, of course you did.

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Speaker 5: And in the middle of that, I also had my

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Speaker 5: second son two years later as.

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Speaker 2: Well, so we adore. So what were you when you

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Speaker 2: had your second son?

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Speaker 4: Twenty Yeah?

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Speaker 2: Yeah, okay, So do you have any more kids now

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Speaker 2: or is it just a two?

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Speaker 5: No?

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Speaker 2: Two and done too and done. That is so fair

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Speaker 2: but also kind of incredible that you got them done

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Speaker 2: so early, because like, I had my first baby when

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Speaker 2: I was thirty two, and don't get me wrong, I

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Speaker 2: don't think anyone ever feels ready, Like even at thirty two,

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Speaker 2: I'm like, okay, cool, Like I've got the finances sorted,

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Speaker 2: I've got this, I've got that, and I'm in labor

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Speaker 2: and I'm like, this is cooked. Why did we do this?

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Speaker 2: Like I'm so scared, Like I can't imagine what that

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Speaker 2: would have been like at eighteen. But now you're probably

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Speaker 2: laughing at me because last night I was up between

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Speaker 2: two and four because my baby wouldn't stop crying, and

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Speaker 2: you were probably sleeping soundly because you get to live

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Speaker 2: your life having already done the nappies.

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Speaker 4: Definitely, definitely.

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Speaker 5: I think you know, we all struggle, you know, with

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Speaker 5: parenting and motherhood, and you know the challenges. Have been

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Speaker 5: awake in the middle of the night and feeling a

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Speaker 5: bit lonely and isolated, and I guess I'm learning now

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Speaker 5: that you know, that is normal for us all to

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Speaker 5: go through that at different stages. And I've had to

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Speaker 5: process a lot of grief around you know, how my

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Speaker 5: life went because back then, all my friends, you know,

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Speaker 5: we're off going clubbing and going out and going on

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Speaker 5: holidays and you know, had sort of a lot of

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Speaker 5: freedom that I didn't have back then, and you know,

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Speaker 5: now perhaps to have a little bit more freedom, but

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Speaker 5: you know it similar to you a lot of my

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Speaker 5: friends and outside and to slow down and have babies,

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Speaker 5: and you know, our routines still clash to this day.

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Speaker 5: So yeah, it's a very different stage of life for

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Speaker 5: me now, but I definitely don't forget the challenges of

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Speaker 5: motherhood and yeah, all those late nights.

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Speaker 2: No, but it sounds like you took to it like

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Speaker 2: a duck to water, which is so nice to hear,

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Speaker 2: Like you just want to know that if that's the journey,

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Speaker 2: like you can just get it done. Do you feel

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Speaker 2: like you missed out? Like is that part of you know,

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Speaker 2: you said you're going through some grief and like trying

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Speaker 2: to work through that. Is that because you're like I

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Speaker 2: really missed out on part of my youth or like,

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Speaker 2: what does that part look like?

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Speaker 5: Yeah, I think it definitely feels like I missed out

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Speaker 5: on a lot. And I guess that's sort of, you know,

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Speaker 5: part of my money story as well, is, you know,

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Speaker 5: often I got into sort of some bad habits of

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Speaker 5: really comparing myself to other people, and you know, people

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Speaker 5: would have money to go to trouble or to just

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Speaker 5: go out for dinner or a coffee, and you know,

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Speaker 5: I guess one of my experiences, you know, I had

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Speaker 5: a really good mother's group. I'm so lucky I ended

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Speaker 5: up an adult mother's group because the young ones just

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Speaker 5: weren't my fit. But I had a really good mother's group,

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Speaker 5: but I was struggling so much financially that you know,

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Speaker 5: sometimes they'd be like, let's just meet at a cafe,

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Speaker 5: and I didn't even have five dollars or four dollars

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Speaker 5: back then for a coffee, and so I just wouldn't go.

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Speaker 5: And so, yeah, it was really hard because I was

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Speaker 5: always comparing myself to other moms at that time, but

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Speaker 5: also compared to myself to my peers who were all

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Speaker 5: you knowbviously eighteen nineteen twenty live in their best lives

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Speaker 5: as you should be.

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Speaker 2: At that age, Yeah, but the comparison is not comparable,

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Speaker 2: and like at the time, you don't know that. Like,

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Speaker 2: but going to mother's group with the adult group, I'm

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Speaker 2: sure that you know personality wise, you might have gone

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Speaker 2: on a lot more, but just the differences in circumstances

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Speaker 2: would have meant that you would have felt really less

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Speaker 2: than you would have felt like, oh, I don't fit

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Speaker 2: in here. And I can always guarantee, like if they

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Speaker 2: knew your situation, they would have been like, money, dress,

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Speaker 2: We've got your coffee, come along, it doesn't matter. But

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Speaker 2: like you're not going to put your hand up and

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Speaker 2: say that like that, that's not how we're feeling in

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Speaker 2: that moment or time. So it's just it's really upsetting.

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Speaker 2: And then your friends going out, you'd be like, well,

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Speaker 2: I can't resonate with anybody, I'm all on my own.

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Speaker 2: Was it very isolating during that time, Yeah, it was.

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Speaker 4: It was very.

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Speaker 5: Isolating, and I think you then sort of start saying

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Speaker 5: no to people for genuine reason, and then the invites

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Speaker 5: sort of dry up and you're still sort of hearing

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Speaker 5: from people. And you know, at the time, I think

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Speaker 5: I became quite upset towards that, But you know, as

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Speaker 5: I get older, you understand that, like you know, people,

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Speaker 5: you know, they sort of you know, put in the

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Speaker 5: effort and then when they feel like it's not being reciprocated,

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Speaker 5: and they sometimes, specially at the age of twenty, you

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Speaker 5: often don't have that empathy of an understanding of like

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Speaker 5: what it would be like to be in a different situation.

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Speaker 2: Yeah, one hundred perve.

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Speaker 4: So I can really see that differently now.

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Speaker 5: But yeah, at the time was really isolating and yeah,

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Speaker 5: just really really challenging.

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Speaker 4: Just stood doing it on my own.

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Speaker 5: But I guess for me, I just made the choice

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Speaker 5: that I was just going to knuckle down, focus on UNI,

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Speaker 5: focus on spending time, you know with my daughter, and

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Speaker 5: then yeah, my son who came along as well.

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Speaker 4: And yeah, just put a lot of energy into that.

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Speaker 5: So yeah, really to set ourselves up, our sort of

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Speaker 5: goal was, you know, to buy a house, as I

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Speaker 5: think most people's goals are, you know, in that nuclear

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Speaker 5: family kind of vibe. But yeah, so that was sort

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Speaker 5: of our long term goal or if you need work hard,

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Speaker 5: hopefully get a house and have some sort of stability.

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Speaker 2: Yeah, and like I look at it and I just

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Speaker 2: go brilliant, like how good you've kind of like set

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Speaker 2: yourselves up in this way, and you've just got so

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Speaker 2: much time, Like you're only thirty. Like the amount of

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Speaker 2: people that haven't even done anything near what you've done

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Speaker 2: at the age of thirty, it's not a comparison, but

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Speaker 2: it's just like you probably don't know how well you're doing.

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Speaker 2: And I want to like hug you and shake you

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Speaker 2: at the same time and be like money doars, like

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Speaker 2: this is actually like the prime time, Like your kids

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Speaker 2: are probably a little bit more independent. I'm assuming they're

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Speaker 2: ten and twelve, is that right.

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Speaker 5: Yeah, ten and twelve and almost thirteen, almost eleven, it's

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Speaker 5: yeah birthdays, November birthdays.

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Speaker 2: Yeah, or you're about to go through it again. But

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Speaker 2: I feel like that's the time where now you can

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Speaker 2: focus on your budgeting and you're building wealth, and there's

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Speaker 2: no day care fees and there's probably a bit more

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Speaker 2: flexibility with school and pickups and drop offs, Like this

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Speaker 2: is the prime I'm just so excited for you and

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Speaker 2: the fact that you already own a home, Like stop

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Speaker 2: it tell me a little bit more about what life

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Speaker 2: looks like today, because we've talked about like the journey,

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Speaker 2: but like what's today you've built your career and you've

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Speaker 2: got a home and you're creating stability. What do you

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Speaker 2: and your partner do for work? And how much money

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Speaker 2: do you win? Yeah?

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Speaker 5: So I work for state government, So I went into

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Speaker 5: sort of yeah, justice related work and currently working as

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Speaker 5: a project officer.

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Speaker 4: Yeah, for state government. I earn around one hundred, one

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Speaker 4: hundred and eleven thousand a year plus super. Yeah.

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Speaker 2: And because you're working for state government, what's your super rate?

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Speaker 5: I think it's just the standard. It's not the same

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Speaker 5: as federal government, which is a bummer, but.

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Speaker 2: Yeah, yeah, I was like, how does that work? Because

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Speaker 2: every state and territory is different.

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Speaker 4: Yeah, so I think what is Victoria on twelfth?

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Speaker 2: Yeah? Twelve percent? Yeah? How good? And what does your

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Speaker 2: partner do?

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Speaker 5: He is a project manager in like the construction space

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Speaker 5: and he earns I think around one hundred and eighty

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Speaker 5: five including super stop it.

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Speaker 2: You guys are so set up for success, Like it

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Speaker 2: might not feel like it at the moment because you've

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Speaker 2: just been like, you know, treading water, but like with

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Speaker 2: a good budget and cash flow plan and starting to

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Speaker 2: learn about investing, like, oh, I could like pick you

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Speaker 2: up and make you really rich. I'm so excited about

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Speaker 2: your situation. Tell me a little bit more, like you've

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Speaker 2: bought the house, and I'll get to that in a

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Speaker 2: hot minute. Like you've built a clearly incredible career. What

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Speaker 2: are your next big money goals? Like what are you

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Speaker 2: two currently working towards.

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Speaker 4: I think that's where the limbo has kind of come

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Speaker 4: for the last few years.

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Speaker 5: And I guess I'm a little bit shy to say,

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Speaker 5: like we've been in our house for almost six years now,

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Speaker 5: and I feel like we've probably just been a bit

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Speaker 5: stagnant for the last six years. Like we had this

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Speaker 5: huge goal and I guess we had really big plans

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Speaker 5: to you know, we got.

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Speaker 4: Pregnant, had babies, had to go to UNI.

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Speaker 5: Want to tuy a house like that was just our

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Speaker 5: like sort of goal, and then we kind of got here,

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Speaker 5: and I think we've just kind of been like, oh,

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Speaker 5: now what, and probably like the last few years have

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Speaker 5: just been so now I'm dealing with I guess the

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Speaker 5: emotional side of how challenging like our twenties and you know,

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Speaker 5: life has been for us up until now, and so

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Speaker 5: of doing some work on that.

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Speaker 4: But then I think at the start of this year

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Speaker 4: we were.

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Speaker 5: Both like we feel a bit directionless, like what's going on?

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Speaker 5: And i'd actually seen your book a few times, like

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Speaker 5: I've done a few holidays, see that at the airport

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Speaker 5: and I was like, oh, I should read that one day.

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Speaker 4: Never did like the clouds that I am, and then

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Speaker 4: found the podcast.

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Speaker 2: But also like I'm not going to lie. I'm so sorry,

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Speaker 2: like I haven't always been good at money and like, yeah,

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Speaker 2: the cover's pretty and I tried really hard, but like

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Speaker 2: that doesn't mean I even would have picked up a

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Speaker 2: money book. I feel like you pick up my book

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Speaker 2: when you're like, Okay, it's not like a oh, that

384
00:16:45,560 --> 00:16:48,600
Speaker 2: looks like a fantastic read. I think it's like I

385
00:16:48,600 --> 00:16:50,760
Speaker 2: probably need to get my shit together, all right, I'll

386
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Speaker 2: pick up this book like I get it. I'm not

387
00:16:52,960 --> 00:16:54,760
Speaker 2: expecting you to be like, oh my god, I just

388
00:16:54,760 --> 00:16:57,760
Speaker 2: saw this great book, Ademis. Like that's not how it works.

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Speaker 2: I feel like we finally get to a point where

390
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Speaker 2: we're like, maybe I need to learn a little bit

391
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Speaker 2: more about money, and then I'm like, hi, it's me.

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Speaker 2: I've been waiting, yeah.

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Speaker 4: And I think that's yeah, that's totally it.

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Speaker 5: I think they've been sort of like desires to probably

395
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Speaker 5: want to work on like the next stage, because I think, yeah,

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Speaker 5: feeling a bit directionless, Like I do really well with goals.

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Speaker 4: I do really well with a clear sort.

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Speaker 5: Of plan, and then if I don't have a plan

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Speaker 5: or goals, I'm just like, yeah, I'll spend as much

400
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Speaker 5: money on whatever I want, or sure, let's book these

401
00:17:25,600 --> 00:17:28,800
Speaker 5: holidays and who cares, you know about savings and that

402
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Speaker 5: sort of thing. So yeah, I guess sort of January

403
00:17:31,240 --> 00:17:33,800
Speaker 5: this year was sort of like a daughter started high

404
00:17:33,840 --> 00:17:36,680
Speaker 5: school and it was like, wow, we like we got

405
00:17:36,800 --> 00:17:39,520
Speaker 5: to where we wanted to be. But also I think

406
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Speaker 5: I had an idea that things would just sort of

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Speaker 5: fall into place a bit more.

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Speaker 4: You know, my parents were really good with money growing up.

409
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Speaker 5: I didn't come from a family that struggled or anything.

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Speaker 4: My husband definitely did.

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Speaker 5: And I think our money stories have definitely clashed in

412
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Speaker 5: some ways at times. Yeah, it's been challenging sometimes just

413
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Speaker 5: to sort of be on the same page around money.

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Speaker 5: And so I think this year has been like, let's

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Speaker 5: get on the same page. I have ADHD and so

416
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Speaker 5: I get Halper fixated. So like this is my harp

417
00:18:06,800 --> 00:18:10,080
Speaker 5: A fixation of the year is She's on the Money podcast,

418
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Speaker 5: reading all your books, doing the audio books, Like, yeah,

419
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Speaker 5: I'm crazy.

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Speaker 2: No you're not, because like my hyperfixation was creating she's

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Speaker 2: on the money. So Hi.

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Speaker 5: At one point I was like, oh, I should just

423
00:18:20,680 --> 00:18:23,199
Speaker 5: retrain and like get into finance, but like, you know,

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Speaker 5: we need to settle down.

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Speaker 4: So yeah, at the moment, it's just kind of trying

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Speaker 4: to I guess, sort of figure.

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Speaker 5: Out where to from here. And probably this year it's

428
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Speaker 5: been like maybe looking at investing. I have not started yet,

429
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Speaker 5: but that's probably my next goal or our next goal

430
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Speaker 5: is to start to sort of yet I guess create

431
00:18:39,800 --> 00:18:42,840
Speaker 5: that sort of longer term Well then you know, see

432
00:18:42,840 --> 00:18:44,439
Speaker 5: where we can put our money that it's actually going

433
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Speaker 5: to be doing something instead of just sitting you know,

434
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Speaker 5: in a bank account or just spending it just because

435
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Speaker 5: it's there.

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Speaker 2: Yeah, and that totally feels like where a lot of

437
00:18:53,240 --> 00:18:56,280
Speaker 2: our community are sitting. And I love your thought pattern.

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Speaker 2: You're like, oh my gosh, yeah, like let's hopefully soon

439
00:18:59,440 --> 00:19:02,719
Speaker 2: invest make those plans. But like what I would encourage

440
00:19:02,760 --> 00:19:05,480
Speaker 2: you to do is really zoom out and go okay, cool,

441
00:19:05,560 --> 00:19:07,920
Speaker 2: Like I'm assuming your partner is probably the same age

442
00:19:07,960 --> 00:19:11,399
Speaker 2: as you. We're thirty, what are we doing and what

443
00:19:11,440 --> 00:19:13,639
Speaker 2: do we want life to feel like? So like instead

444
00:19:13,680 --> 00:19:16,160
Speaker 2: of talking about like the strategies that can come later,

445
00:19:16,240 --> 00:19:18,400
Speaker 2: I can teach you the strategies, like I know all

446
00:19:18,400 --> 00:19:20,080
Speaker 2: of those, but I can't tell you what you want.

447
00:19:20,520 --> 00:19:22,440
Speaker 2: So you need to sit down and go okay, cool,

448
00:19:22,480 --> 00:19:24,800
Speaker 2: Like we're going to have kids. Let's like do a

449
00:19:25,119 --> 00:19:27,520
Speaker 2: timeline of like, well, when are the kids going to

450
00:19:27,520 --> 00:19:29,720
Speaker 2: be both over the age of eighteen? What kind of

451
00:19:29,760 --> 00:19:32,040
Speaker 2: lifestyle do we want to have at that point? Like,

452
00:19:32,359 --> 00:19:35,000
Speaker 2: you know, are we planning on working in these full

453
00:19:35,000 --> 00:19:37,760
Speaker 2: time jobs forever? Like I want you to question everything,

454
00:19:37,800 --> 00:19:40,119
Speaker 2: like does your husband still want to be in project management?

455
00:19:40,200 --> 00:19:40,919
Speaker 2: Like is he loving it?

456
00:19:41,000 --> 00:19:41,320
Speaker 6: Is he not?

457
00:19:41,560 --> 00:19:44,359
Speaker 2: Like Let's have these deep conversations that do make you

458
00:19:44,440 --> 00:19:46,919
Speaker 2: question what's going on in life, Like do you like

459
00:19:47,000 --> 00:19:49,400
Speaker 2: working for state government? You might be like, yes, Queen,

460
00:19:49,480 --> 00:19:51,720
Speaker 2: I love it. Okay, great, tick off, Next talk about

461
00:19:51,760 --> 00:19:55,800
Speaker 2: something else. But what does even retirement look like? Because

462
00:19:56,119 --> 00:20:02,359
Speaker 2: you've just spent so long basically on the treadmill of life. Kids, kids, kids,

463
00:20:02,400 --> 00:20:05,480
Speaker 2: that's all you've been thinking about. But the next twenty

464
00:20:05,600 --> 00:20:08,800
Speaker 2: years you can create significant wealth, But the world is

465
00:20:08,840 --> 00:20:10,760
Speaker 2: going to look really different. You're not going to have

466
00:20:10,880 --> 00:20:14,639
Speaker 2: those commitments of getting kids to and from sport, getting

467
00:20:14,720 --> 00:20:16,600
Speaker 2: kids to and from school, all of that, Like, what

468
00:20:16,600 --> 00:20:18,159
Speaker 2: are we doing with our free time? What do we

469
00:20:18,240 --> 00:20:21,080
Speaker 2: want that to look like? And I find that with

470
00:20:21,240 --> 00:20:24,640
Speaker 2: clients that I've had historically that have had kids really young,

471
00:20:25,240 --> 00:20:27,600
Speaker 2: they can sometimes once they get their kids to the

472
00:20:27,600 --> 00:20:29,480
Speaker 2: age of eighteen, they're like, oh my god, I've just

473
00:20:29,480 --> 00:20:32,800
Speaker 2: gotten off the treadmill of like getting them through life successfully.

474
00:20:33,800 --> 00:20:36,560
Speaker 2: What do we do now? We're kind of bored, like

475
00:20:36,720 --> 00:20:40,119
Speaker 2: cold on, Like my entire life was my kids, and

476
00:20:40,240 --> 00:20:42,879
Speaker 2: now what I'm just hanging out at home with my

477
00:20:43,000 --> 00:20:45,000
Speaker 2: husband while my kids are out at the clubs like

478
00:20:45,400 --> 00:20:47,760
Speaker 2: and I think that that's where we need to be

479
00:20:47,880 --> 00:20:50,280
Speaker 2: thinking about, Well, what does life look like?

480
00:20:50,280 --> 00:20:50,399
Speaker 1: Like?

481
00:20:50,440 --> 00:20:52,360
Speaker 2: What does travel look like? I know you said before

482
00:20:52,400 --> 00:20:54,280
Speaker 2: we booked some holidays, and I love that, Okay, but

483
00:20:54,480 --> 00:20:56,800
Speaker 2: like what other places do we want to go? And

484
00:20:56,840 --> 00:20:58,640
Speaker 2: at what kind of age range? You're like, all right,

485
00:20:58,680 --> 00:21:00,520
Speaker 2: so we want to do Europe, But maybe we want

486
00:21:00,520 --> 00:21:02,159
Speaker 2: to do Europe when the kids are a bit older

487
00:21:02,160 --> 00:21:04,280
Speaker 2: and appreciate it more. Or maybe we don't want to

488
00:21:04,280 --> 00:21:06,040
Speaker 2: do Europe at all, Maybe we want to just go

489
00:21:06,400 --> 00:21:08,480
Speaker 2: to beach holidays or do you know what I mean, Like,

490
00:21:08,560 --> 00:21:11,479
Speaker 2: let's zoom out and go what would life look like

491
00:21:11,640 --> 00:21:13,959
Speaker 2: for us to be at our happiest Because I look

492
00:21:14,000 --> 00:21:15,520
Speaker 2: at your income and I'm like, great, You've got like

493
00:21:15,520 --> 00:21:17,800
Speaker 2: about three hundred thousand dollars between the two of you.

494
00:21:18,800 --> 00:21:22,200
Speaker 2: Life balance is going to look good. But also wealth

495
00:21:22,280 --> 00:21:25,080
Speaker 2: creation is coming, like you have so long and I'm

496
00:21:25,119 --> 00:21:27,880
Speaker 2: so excited about it for you. But like I think

497
00:21:27,880 --> 00:21:29,960
Speaker 2: that right now you might be drilling down into the

498
00:21:30,040 --> 00:21:32,560
Speaker 2: how to create that life without knowing what the life

499
00:21:32,600 --> 00:21:33,199
Speaker 2: is looking like.

500
00:21:33,640 --> 00:21:36,560
Speaker 5: Yeah, yeah, And I think that's definitely probably one thing

501
00:21:36,600 --> 00:21:38,359
Speaker 5: that I've always done is I kind of just grow

502
00:21:38,440 --> 00:21:38,880
Speaker 5: straight too.

503
00:21:39,160 --> 00:21:40,800
Speaker 2: I do it too. I just jumped straight ahead, and

504
00:21:40,800 --> 00:21:42,679
Speaker 2: I'm like, right, well, investing is the answer. But like

505
00:21:43,080 --> 00:21:45,840
Speaker 2: for a long time I was investing without a real

506
00:21:45,920 --> 00:21:48,920
Speaker 2: clean strategy of like where I wanted that to go.

507
00:21:49,000 --> 00:21:51,320
Speaker 2: I knew I wanted more money because money buys freedom

508
00:21:51,359 --> 00:21:54,040
Speaker 2: and freedom is good and that feels great. But like

509
00:21:54,160 --> 00:21:56,280
Speaker 2: now my husband and I'm like, okay, cool. So these

510
00:21:56,280 --> 00:21:59,240
Speaker 2: are some like you know, micro goals of travel, like

511
00:21:59,320 --> 00:22:01,480
Speaker 2: over the next years. And here's some like you know,

512
00:22:01,600 --> 00:22:03,640
Speaker 2: family goals and things that we want to do, because

513
00:22:03,640 --> 00:22:06,480
Speaker 2: like we're still in family building mode and like talking

514
00:22:06,520 --> 00:22:09,320
Speaker 2: about babies and all of that, but then what does

515
00:22:09,480 --> 00:22:11,359
Speaker 2: do you want to upgrade cars? At some point? Like

516
00:22:11,400 --> 00:22:13,159
Speaker 2: are we going to put those as goals or are

517
00:22:13,160 --> 00:22:16,440
Speaker 2: you're like, oh, we couldn't give two rats Victoria that

518
00:22:16,440 --> 00:22:19,800
Speaker 2: that doesn't matter. So I think going into this in

519
00:22:19,880 --> 00:22:22,960
Speaker 2: financial planning, the process is kind of like if you

520
00:22:23,000 --> 00:22:25,399
Speaker 2: came to see an advisor, you would do a fact

521
00:22:25,400 --> 00:22:27,960
Speaker 2: find process, so I'd collect all of your boring data,

522
00:22:28,080 --> 00:22:32,160
Speaker 2: name age, whatever your incomes. Then you do discovery. So

523
00:22:32,200 --> 00:22:34,919
Speaker 2: we're not jumping into solutions. Were just like, what do

524
00:22:34,960 --> 00:22:36,600
Speaker 2: you want? How do you want it? How do we

525
00:22:36,920 --> 00:22:39,880
Speaker 2: create this life? Because the life you want could be

526
00:22:40,320 --> 00:22:44,040
Speaker 2: yachting around Italy on a yacht for all of the

527
00:22:44,080 --> 00:22:46,520
Speaker 2: rest of your retirement, or you could be like, yeah,

528
00:22:46,520 --> 00:22:48,640
Speaker 2: I just want to stay home and hopefully my kids

529
00:22:48,640 --> 00:22:50,600
Speaker 2: one day have grandkids and that's the life I want

530
00:22:50,600 --> 00:22:53,440
Speaker 2: to live. We can create both of those, but they

531
00:22:53,680 --> 00:22:56,440
Speaker 2: require different strategies of building wealth, and so I think

532
00:22:56,480 --> 00:22:58,760
Speaker 2: we need to go back to the base. And when

533
00:22:58,800 --> 00:23:00,520
Speaker 2: you said I have ADHD and I was like, great,

534
00:23:00,520 --> 00:23:01,920
Speaker 2: you're a queen who likes to jump ahead.

535
00:23:02,000 --> 00:23:05,520
Speaker 5: Same, Yeah, slowing down is like, yeah, definitely a skill.

536
00:23:05,280 --> 00:23:07,760
Speaker 2: I need to work on exactly. And you can be

537
00:23:07,800 --> 00:23:10,159
Speaker 2: a little bit aspirational, like organize a date with your

538
00:23:10,200 --> 00:23:11,439
Speaker 2: husband and be like, what do you want to do

539
00:23:11,480 --> 00:23:14,080
Speaker 2: when we're like sixty, because like, I don't know about you,

540
00:23:14,160 --> 00:23:17,200
Speaker 2: but like I adore my husband and I hope that

541
00:23:17,200 --> 00:23:19,280
Speaker 2: that feeling is still there when I'm sixty. How do

542
00:23:19,320 --> 00:23:21,119
Speaker 2: I maintain that? Like what do we need to do

543
00:23:21,200 --> 00:23:23,879
Speaker 2: in our relationship to make sure that we are still

544
00:23:24,280 --> 00:23:26,720
Speaker 2: as in love at that point because it is going

545
00:23:26,760 --> 00:23:28,160
Speaker 2: to take work, it doesn't just happen.

546
00:23:28,440 --> 00:23:31,680
Speaker 4: Yeah, absolutely, absolutely, So yeah, I.

547
00:23:31,600 --> 00:23:34,880
Speaker 5: Think for us still figuring that long term stuff out,

548
00:23:34,920 --> 00:23:37,240
Speaker 5: we're definitely working on a bit more short term things,

549
00:23:37,359 --> 00:23:39,280
Speaker 5: just like trying to enjoy life a bit more because

550
00:23:39,280 --> 00:23:42,119
Speaker 5: I think for a long time life wasn't enjoyable. You know,

551
00:23:42,200 --> 00:23:44,639
Speaker 5: building up hobbies again, and you know, building up the

552
00:23:44,640 --> 00:23:47,000
Speaker 5: things that we like to do, which obviously you know,

553
00:23:47,080 --> 00:23:47,720
Speaker 5: takes some money.

554
00:23:48,000 --> 00:23:50,440
Speaker 4: We're both into road cycling. Sorry that it's a.

555
00:23:50,359 --> 00:23:53,159
Speaker 5: Bit of an expensive hobby, so you know, yeah, putting

556
00:23:53,200 --> 00:23:55,199
Speaker 5: money into that and making sure that we're sort of

557
00:23:55,280 --> 00:23:58,680
Speaker 5: enjoying life while we're going because I think that it's

558
00:23:58,720 --> 00:24:01,720
Speaker 5: so easy to get stuck in down scarcity mindset of like, oh,

559
00:24:01,760 --> 00:24:04,159
Speaker 5: we don't have enough, or I shouldn't spend money on

560
00:24:04,200 --> 00:24:07,800
Speaker 5: this because we did come from such struggle, and sometimes

561
00:24:07,800 --> 00:24:09,639
Speaker 5: they can be a bit of guilt associated with that.

562
00:24:09,760 --> 00:24:11,639
Speaker 5: But then, yeah, just trying to get that balance of

563
00:24:12,160 --> 00:24:16,000
Speaker 5: doing things that we enjoy now but also creating I

564
00:24:16,040 --> 00:24:19,280
Speaker 5: guess some money habits that mean that we continue to

565
00:24:19,280 --> 00:24:21,960
Speaker 5: be stable and you know, a good support for our

566
00:24:22,040 --> 00:24:23,679
Speaker 5: kids as well in the future, because it's.

567
00:24:23,560 --> 00:24:24,920
Speaker 4: Only getting harder to buy a house.

568
00:24:25,000 --> 00:24:27,800
Speaker 5: So yeah, been out about how the kids, you know,

569
00:24:28,080 --> 00:24:29,840
Speaker 5: buy a house and things like that, or even just

570
00:24:29,840 --> 00:24:32,360
Speaker 5: stay at home longer would be amazing as well.

571
00:24:32,480 --> 00:24:34,520
Speaker 2: No, it's so true. All right, let's go to a

572
00:24:34,560 --> 00:24:36,640
Speaker 2: really quick break because on the flip side, I want

573
00:24:36,640 --> 00:24:38,720
Speaker 2: to talk about like the investments that I already know

574
00:24:38,760 --> 00:24:41,560
Speaker 2: you've been researching. We haven't dove in yet, but I

575
00:24:41,600 --> 00:24:43,080
Speaker 2: know we're going to get there. I want to know

576
00:24:43,160 --> 00:24:45,159
Speaker 2: more about this house, any debts, and then we're going

577
00:24:45,200 --> 00:24:47,160
Speaker 2: to talk about best and worst money habits, So guys,

578
00:24:47,280 --> 00:24:53,439
Speaker 2: don't go anywhere money dives. We are back and I

579
00:24:53,440 --> 00:24:55,720
Speaker 2: have been loving this chat, and I feel like there's

580
00:24:55,800 --> 00:24:58,600
Speaker 2: just so much potential in your money story now that

581
00:24:58,680 --> 00:25:00,880
Speaker 2: you've said, oh, look I do you'd find the podcast

582
00:25:00,920 --> 00:25:03,840
Speaker 2: in January and I'm going to like start doing this,

583
00:25:03,840 --> 00:25:06,560
Speaker 2: this and this. But I'm touching on or you're touching

584
00:25:06,600 --> 00:25:08,879
Speaker 2: on a few like themes that I'm like, oh my god, no,

585
00:25:09,000 --> 00:25:10,560
Speaker 2: what do you mean you feel guilty? Or what do

586
00:25:10,600 --> 00:25:13,720
Speaker 2: you mean you feel bad? Like we're just starting here,

587
00:25:13,920 --> 00:25:16,320
Speaker 2: Like there's no guilt when it comes to money, there's no.

588
00:25:17,040 --> 00:25:18,760
Speaker 2: I don't know. I feel like so many times we

589
00:25:18,800 --> 00:25:21,000
Speaker 2: crucify ourselves because you go, oh, that was a bad

590
00:25:21,040 --> 00:25:24,320
Speaker 2: money decision, Like, yes, do you know what is a

591
00:25:24,320 --> 00:25:26,800
Speaker 2: bad money decision? When I got into forty thousand dollars

592
00:25:26,800 --> 00:25:30,040
Speaker 2: worth of personal debt if you framed it that way, sorry,

593
00:25:30,119 --> 00:25:32,360
Speaker 2: But if I hadn't gotten into forty thousand dollars worth

594
00:25:32,400 --> 00:25:35,080
Speaker 2: of terrible personal debt, where would she's on the money

595
00:25:35,080 --> 00:25:38,000
Speaker 2: have come from. So I think that sometimes you have

596
00:25:38,040 --> 00:25:40,960
Speaker 2: to go through your struggles and come out the other

597
00:25:41,080 --> 00:25:43,760
Speaker 2: side to not only appreciate life and the things that

598
00:25:43,800 --> 00:25:46,280
Speaker 2: you've created for yourself, but like, sorry, they formed you

599
00:25:46,320 --> 00:25:49,360
Speaker 2: into who you are, Like we're not sorry about that.

600
00:25:49,520 --> 00:25:52,440
Speaker 2: Like you're clearly an epic human being doing very cool

601
00:25:52,520 --> 00:25:56,080
Speaker 2: things and supporting a family. Ten out of ten from me, Like,

602
00:25:56,640 --> 00:25:58,640
Speaker 2: I just I don't think that there should be any

603
00:25:58,640 --> 00:26:00,840
Speaker 2: guilt there because we all do the best that we

604
00:26:00,920 --> 00:26:02,800
Speaker 2: can with the tools and the resources that we have

605
00:26:02,880 --> 00:26:05,560
Speaker 2: at the time. Like, let's go back to baby you

606
00:26:05,560 --> 00:26:08,080
Speaker 2: you had your second baby at twenty if you could

607
00:26:08,080 --> 00:26:10,320
Speaker 2: have done better, and I said, hey, here's a strategy.

608
00:26:10,640 --> 00:26:13,320
Speaker 2: I know she would have grasped that, but she didn't

609
00:26:13,400 --> 00:26:16,520
Speaker 2: have access to it. So were you doing the best

610
00:26:16,560 --> 00:26:19,520
Speaker 2: that you could at the time? One thousand percent? But

611
00:26:19,640 --> 00:26:21,160
Speaker 2: now you look back and you're kind of like, oh,

612
00:26:21,200 --> 00:26:24,240
Speaker 2: well that wasn't very good. Sorry, our baby money diarist.

613
00:26:24,320 --> 00:26:26,120
Speaker 2: She was doing the best she could. We're not mean

614
00:26:26,160 --> 00:26:27,480
Speaker 2: to her, We're nice to her, all.

615
00:26:27,480 --> 00:26:30,359
Speaker 5: Right, Absolutely, yes, I know, And I am trying to

616
00:26:30,359 --> 00:26:32,840
Speaker 5: get better at being kind to myself. And yeah, that

617
00:26:33,000 --> 00:26:34,879
Speaker 5: Liney just said, you know, he sort of did the

618
00:26:34,880 --> 00:26:36,159
Speaker 5: best of what I had at the time. It is

619
00:26:36,200 --> 00:26:39,200
Speaker 5: definitely the theme of this year looking back on my life,

620
00:26:39,240 --> 00:26:41,879
Speaker 5: and yeah, sometimes I think I need to be kinder

621
00:26:41,920 --> 00:26:42,400
Speaker 5: to myself.

622
00:26:42,440 --> 00:26:43,120
Speaker 4: So thank you.

623
00:26:43,480 --> 00:26:45,680
Speaker 2: I think you need to too. And if you aren't

624
00:26:45,680 --> 00:26:47,080
Speaker 2: going to be kind of just call me up and

625
00:26:47,080 --> 00:26:52,160
Speaker 2: I'll aggressively be nice. Thank you money, darrist. Let's talk

626
00:26:52,200 --> 00:26:55,239
Speaker 2: about investments for a hot second. You've said before or

627
00:26:55,240 --> 00:26:57,560
Speaker 2: in your diary in you said hopefully soon we're going

628
00:26:57,600 --> 00:27:00,679
Speaker 2: to start investing. What does that journey like? Is that

629
00:27:00,760 --> 00:27:03,479
Speaker 2: something where you're just starting a conversation? Are you starting

630
00:27:03,520 --> 00:27:06,439
Speaker 2: the research? How is that going for you?

631
00:27:06,640 --> 00:27:08,080
Speaker 4: It's very early days.

632
00:27:08,840 --> 00:27:11,600
Speaker 5: It definitely overwhelms me, which I'm from a lot of

633
00:27:11,840 --> 00:27:13,800
Speaker 5: Shares on the Money, reading and things like that and

634
00:27:13,880 --> 00:27:16,160
Speaker 5: just yeah, things online, Like I can tell it overwhelms

635
00:27:16,200 --> 00:27:18,000
Speaker 5: a lot of people, and you know a lot of

636
00:27:18,000 --> 00:27:21,200
Speaker 5: the obviously advice is sort of you know, just getting

637
00:27:21,200 --> 00:27:22,919
Speaker 5: in there is actually the first sort of hurdle.

638
00:27:23,400 --> 00:27:24,720
Speaker 4: But yeah, no, very early days.

639
00:27:24,720 --> 00:27:27,320
Speaker 5: I haven't I think I downloaded Chairsyas, but I just

640
00:27:27,359 --> 00:27:28,880
Speaker 5: haven't even done anything yet.

641
00:27:29,280 --> 00:27:32,000
Speaker 2: Oh look that's six million times further ahead than heaps

642
00:27:32,040 --> 00:27:32,520
Speaker 2: of people.

643
00:27:33,560 --> 00:27:36,760
Speaker 5: But yeah, I think it's just like, you know, I

644
00:27:36,800 --> 00:27:38,080
Speaker 5: have sort of always, you know, a little bit of

645
00:27:38,119 --> 00:27:40,639
Speaker 5: money left over each month, and I'm like, oh, you know,

646
00:27:40,680 --> 00:27:42,200
Speaker 5: maybe that would be a good idea just to start

647
00:27:42,280 --> 00:27:44,080
Speaker 5: sort of putting, just to kind of get my toes

648
00:27:44,080 --> 00:27:45,840
Speaker 5: in the water and see how it sort of works.

649
00:27:45,840 --> 00:27:50,200
Speaker 5: Because I'm not familiar with shares or anything like that,

650
00:27:50,359 --> 00:27:52,760
Speaker 5: Like it's very new to me. It probably makes me

651
00:27:52,760 --> 00:27:55,480
Speaker 5: a little bit overwhelmed sometimes thinking.

652
00:27:55,200 --> 00:27:58,400
Speaker 2: About it one hundred percent. And that's where we all start.

653
00:27:58,440 --> 00:28:01,440
Speaker 2: When I first started looking at shares before I was

654
00:28:01,520 --> 00:28:05,120
Speaker 2: even in financial advice, what the hell, what do you mean?

655
00:28:05,440 --> 00:28:08,280
Speaker 2: And there's just so many different words and terminology and

656
00:28:08,440 --> 00:28:10,600
Speaker 2: like the way things work, and what do you mean

657
00:28:10,640 --> 00:28:13,199
Speaker 2: there's going to be a distribution of dividends? Okay, well

658
00:28:13,240 --> 00:28:16,520
Speaker 2: when does that happen? Like I knew nothing, and that

659
00:28:16,600 --> 00:28:18,919
Speaker 2: can be overwhelming, And that's just where you're starting. But

660
00:28:18,960 --> 00:28:21,520
Speaker 2: I promise the more you dip your toes in, the better.

661
00:28:22,160 --> 00:28:25,840
Speaker 2: And it's not I don't know. A lot of people go, oh,

662
00:28:25,880 --> 00:28:28,000
Speaker 2: I downloaded chairs is but I'm scared to make my

663
00:28:28,040 --> 00:28:30,240
Speaker 2: first investment. I've got like a thousand dollars sitting to

664
00:28:30,280 --> 00:28:33,240
Speaker 2: the side, and you're like, stop, start with a dollar,

665
00:28:33,359 --> 00:28:35,439
Speaker 2: Like start with something that you're like, okay, well, this

666
00:28:35,480 --> 00:28:37,399
Speaker 2: is the cost of a cup of coffee. You know,

667
00:28:37,640 --> 00:28:39,480
Speaker 2: if I dropped my coffee, it wouldn't be the end

668
00:28:39,560 --> 00:28:41,680
Speaker 2: of the world. But it can give you that financial

669
00:28:41,720 --> 00:28:44,400
Speaker 2: literacy because I think so much of the time we

670
00:28:44,680 --> 00:28:48,600
Speaker 2: especially as women, especially as women with ADHD, how many

671
00:28:48,640 --> 00:28:52,640
Speaker 2: times do you over research, over analyze, overthink, and then go,

672
00:28:52,880 --> 00:28:56,120
Speaker 2: I'm not ready because you think the further I get

673
00:28:56,160 --> 00:28:58,840
Speaker 2: into this research, the more I'm learning and the more

674
00:28:58,880 --> 00:29:02,640
Speaker 2: I'm realizing I don't know or anything. Classic analysis paralysis,

675
00:29:03,040 --> 00:29:06,120
Speaker 2: classic right. But the reality is ready is a choice.

676
00:29:06,120 --> 00:29:09,280
Speaker 2: It is not a feeling like you can't just go, oh,

677
00:29:09,520 --> 00:29:12,520
Speaker 2: you know what, I'm actually a genius now, I do

678
00:29:12,560 --> 00:29:15,080
Speaker 2: you know? I could run rings around day traders. Let

679
00:29:15,120 --> 00:29:17,640
Speaker 2: me make my first investment on charess Like that is

680
00:29:17,760 --> 00:29:20,600
Speaker 2: not how people feel. You kind of have to deep

681
00:29:20,640 --> 00:29:22,920
Speaker 2: your toes in the water and then watch it and go, oh,

682
00:29:23,080 --> 00:29:25,600
Speaker 2: how did that work? Oh okay, well that didn't you know,

683
00:29:25,880 --> 00:29:29,080
Speaker 2: even just seeing the silly little processes that don't feel

684
00:29:29,120 --> 00:29:31,600
Speaker 2: big but are like, okay, well that's how I put

685
00:29:31,600 --> 00:29:33,520
Speaker 2: the money into the account, and then that's how I

686
00:29:33,560 --> 00:29:35,760
Speaker 2: picked a share and oh look that's how quick it

687
00:29:35,920 --> 00:29:38,160
Speaker 2: ended up in my wallet, and then oh I can

688
00:29:38,200 --> 00:29:40,120
Speaker 2: see it through the app on a daily basis here

689
00:29:40,200 --> 00:29:43,040
Speaker 2: or goes up and down. Interesting, Like it's one of

690
00:29:43,040 --> 00:29:46,960
Speaker 2: those things where ready is a choice. And you can

691
00:29:47,040 --> 00:29:49,120
Speaker 2: keep learning because like, at the end of the day,

692
00:29:49,160 --> 00:29:51,520
Speaker 2: let's say you invest ten bucks. What if it's on

693
00:29:51,560 --> 00:29:53,880
Speaker 2: the worst share of a what happens?

694
00:29:54,280 --> 00:29:54,760
Speaker 4: Oh?

695
00:29:55,000 --> 00:29:57,280
Speaker 2: Nothing? Okay, cool? Do you know what I mean? Like,

696
00:29:57,360 --> 00:29:59,960
Speaker 2: I think, especially as somebody who is I'm the Queen

697
00:30:00,120 --> 00:30:03,560
Speaker 2: of analysis paralysis. Ask my whole team, like I spend

698
00:30:03,680 --> 00:30:06,040
Speaker 2: six years making a decision that they already knew what

699
00:30:06,120 --> 00:30:08,560
Speaker 2: my decision was going to be, like when they pitched

700
00:30:08,600 --> 00:30:12,760
Speaker 2: the idea. It's actually very frustrating. But I think sometimes

701
00:30:12,760 --> 00:30:14,560
Speaker 2: you just have to do it and go, oh, yeah, right,

702
00:30:14,600 --> 00:30:16,440
Speaker 2: well that wasn't the right one, but I can change

703
00:30:16,480 --> 00:30:19,320
Speaker 2: because we're not talking about putting our life savings in there.

704
00:30:19,520 --> 00:30:21,560
Speaker 2: Please don't do that. That's scary and I think that's

705
00:30:21,600 --> 00:30:22,760
Speaker 2: actually terrible idea.

706
00:30:23,000 --> 00:30:24,360
Speaker 4: Yeah, no, definitely not. No.

707
00:30:24,440 --> 00:30:26,640
Speaker 5: I think it's just sort of get it to start

708
00:30:26,680 --> 00:30:30,160
Speaker 5: to develop my education in that space, and yeah, figure

709
00:30:30,200 --> 00:30:33,080
Speaker 5: it out, so hopefully I will. Yeah, just give it

710
00:30:33,120 --> 00:30:34,360
Speaker 5: a shot, because.

711
00:30:34,080 --> 00:30:35,840
Speaker 2: It sounds like you're on the right track though, so

712
00:30:35,880 --> 00:30:38,360
Speaker 2: that is very special. Talk to me a little bit

713
00:30:38,360 --> 00:30:40,640
Speaker 2: more about your debt. So you've said that you have

714
00:30:40,720 --> 00:30:43,200
Speaker 2: a house. Is that the only debt that you have?

715
00:30:43,600 --> 00:30:45,200
Speaker 4: Yeah, we only have a house.

716
00:30:45,480 --> 00:30:48,440
Speaker 5: So we have had credit cards in the past and

717
00:30:48,840 --> 00:30:51,000
Speaker 5: a car loan in the past and all that sort of.

718
00:30:51,040 --> 00:30:54,480
Speaker 2: Thing, which but you've paid them all off, paid them off.

719
00:30:54,720 --> 00:30:57,400
Speaker 4: Yes, never want to get a credit card again. It

720
00:30:57,520 --> 00:30:59,920
Speaker 4: kills me. Yeah, No, We've just got our home.

721
00:31:00,560 --> 00:31:04,040
Speaker 5: We did refinance last year and we ended up paying

722
00:31:04,040 --> 00:31:06,040
Speaker 5: out our car loan, like so adding it to our homelands.

723
00:31:06,040 --> 00:31:08,440
Speaker 5: Our homelan's a bit higher than like what it used

724
00:31:08,440 --> 00:31:10,680
Speaker 5: to be, but it was a better interest rate and

725
00:31:10,720 --> 00:31:12,960
Speaker 5: we just sort of thought the one payment.

726
00:31:12,680 --> 00:31:15,200
Speaker 2: One hundred percent. Nope, I agree, and also like the

727
00:31:15,280 --> 00:31:17,000
Speaker 2: interest rate on your car and payment would have gone

728
00:31:17,040 --> 00:31:18,680
Speaker 2: down significantly. Yeah.

729
00:31:19,080 --> 00:31:20,280
Speaker 4: Yeah, it was a nightmare.

730
00:31:20,360 --> 00:31:22,480
Speaker 5: And we had bought the car on finance, Like I

731
00:31:22,480 --> 00:31:25,280
Speaker 5: think it just got to the point where I don't

732
00:31:25,280 --> 00:31:26,440
Speaker 5: know if I'd do the same thing now.

733
00:31:26,560 --> 00:31:28,800
Speaker 4: But we had been driving really old, crappy cars.

734
00:31:28,800 --> 00:31:31,320
Speaker 5: I would always be breaking and I had a little

735
00:31:31,360 --> 00:31:33,440
Speaker 5: tiny binger with the kids one day and I just

736
00:31:33,520 --> 00:31:36,400
Speaker 5: was like, no, I want a new, safer car like

737
00:31:36,720 --> 00:31:38,680
Speaker 5: and so you know, I just didn't really even think

738
00:31:38,680 --> 00:31:41,280
Speaker 5: about it as when I bought it, and you had

739
00:31:41,280 --> 00:31:42,840
Speaker 5: to get a car loan because we didn't have the money,

740
00:31:42,840 --> 00:31:45,800
Speaker 5: but looking back now, like as expensive as it was, like,

741
00:31:46,080 --> 00:31:48,640
Speaker 5: I'm so glad that we did it. It's reliable. We've

742
00:31:48,640 --> 00:31:51,960
Speaker 5: had no car troubles ever since. So it's a hard

743
00:31:52,000 --> 00:31:55,000
Speaker 5: one where you know, I'd get like carlons and debt

744
00:31:55,040 --> 00:31:56,640
Speaker 5: come sometimes can be not good, but also at the

745
00:31:56,640 --> 00:31:58,360
Speaker 5: same time, it got us to a better.

746
00:31:58,160 --> 00:32:00,560
Speaker 2: Place one hundred percent. And like I was doing the

747
00:32:00,600 --> 00:32:02,640
Speaker 2: maps the other day for a friend of mine who

748
00:32:02,680 --> 00:32:05,520
Speaker 2: doesn't have the cash to purchase a car, and I

749
00:32:05,560 --> 00:32:07,760
Speaker 2: was like, actually, I've just looked at all your budget

750
00:32:07,840 --> 00:32:09,920
Speaker 2: or your finance, Like as much as like a car

751
00:32:10,000 --> 00:32:12,880
Speaker 2: loan doesn't sound sexy, it's actually the best option for you,

752
00:32:12,960 --> 00:32:16,280
Speaker 2: like you know, shop around, find the best rate, and

753
00:32:16,440 --> 00:32:18,840
Speaker 2: organize it. I think that the problem is when we

754
00:32:18,960 --> 00:32:22,520
Speaker 2: don't think through these decisions, and it's like you just

755
00:32:22,600 --> 00:32:24,680
Speaker 2: automatically get a car loan because you go, well, that's

756
00:32:24,720 --> 00:32:28,160
Speaker 2: how things should be, when in reality you maybe didn't

757
00:32:28,160 --> 00:32:30,440
Speaker 2: need a new car, or you know, it's impacting your

758
00:32:30,480 --> 00:32:32,920
Speaker 2: ability to generate wealth or put food on the table

759
00:32:33,080 --> 00:32:35,120
Speaker 2: or live life the way you want to. I think

760
00:32:35,160 --> 00:32:38,760
Speaker 2: I'm more about questioning every single decision to make sure

761
00:32:38,800 --> 00:32:40,920
Speaker 2: it's the right one for your situation. But it doesn't

762
00:32:40,920 --> 00:32:43,520
Speaker 2: mean don't do it. It just means, let's just be really

763
00:32:43,520 --> 00:32:46,920
Speaker 2: cautious going into these things because I'm sorry, I actually

764
00:32:47,000 --> 00:32:49,320
Speaker 2: do not live in d lulu Land. I'm quite aware

765
00:32:49,320 --> 00:32:52,880
Speaker 2: that most people can't afford to outright purchase brand new cars,

766
00:32:53,840 --> 00:32:55,600
Speaker 2: but I do want them to be questioning why they

767
00:32:55,600 --> 00:32:57,840
Speaker 2: think they need a new car, because nine times out

768
00:32:57,880 --> 00:33:00,480
Speaker 2: of ten, it's not a situation like yours, where you're like,

769
00:33:00,880 --> 00:33:03,320
Speaker 2: I felt unsafe with my children and I was racking

770
00:33:03,440 --> 00:33:06,280
Speaker 2: up a lot of, you know, different expenses on fixing

771
00:33:06,320 --> 00:33:10,080
Speaker 2: cars that were just breaking consistently. That's a bit different

772
00:33:10,080 --> 00:33:11,720
Speaker 2: to like, oh my god, I keep looking at the

773
00:33:11,800 --> 00:33:15,080
Speaker 2: range Rover and everybody online has one, and I can

774
00:33:15,120 --> 00:33:17,200
Speaker 2: buy a secondhand one on finite, do you know what

775
00:33:17,280 --> 00:33:18,720
Speaker 2: I mean. That's a different story.

776
00:33:18,880 --> 00:33:20,080
Speaker 4: Yeah, And I think for us it got.

777
00:33:20,000 --> 00:33:22,120
Speaker 5: To the point where we were both dressed driving really

778
00:33:22,120 --> 00:33:24,720
Speaker 5: old cars, like three thousand dollar cars, and they just

779
00:33:24,800 --> 00:33:26,560
Speaker 5: kept breaking. And by the time we did all the

780
00:33:26,600 --> 00:33:29,080
Speaker 5: calculations of how many repairs we've done over a twelve

781
00:33:29,080 --> 00:33:31,440
Speaker 5: month period, it was similar to the loan repayment, and

782
00:33:31,480 --> 00:33:33,080
Speaker 5: it was like, all right, I'd rather just pray for

783
00:33:33,120 --> 00:33:36,040
Speaker 5: the depreciation and the interest. Then yeah, keep repairing a

784
00:33:36,040 --> 00:33:38,240
Speaker 5: car that's just not getting me to where I need

785
00:33:38,240 --> 00:33:41,560
Speaker 5: to go. So, yeah, we refinanced last year and yeah,

786
00:33:41,600 --> 00:33:43,560
Speaker 5: added that onto our home loan. But yeah, it's nice

787
00:33:43,560 --> 00:33:46,360
Speaker 5: now just having the one payment per month, which is nice.

788
00:33:46,600 --> 00:33:46,880
Speaker 4: Yeah.

789
00:33:46,920 --> 00:33:49,040
Speaker 2: So what's your home loan currently sitting at.

790
00:33:49,160 --> 00:33:53,560
Speaker 5: It's sitting at six hundred and thirty three thousand roughly.

791
00:33:53,760 --> 00:33:57,200
Speaker 2: And you purchased I believe you said, six years ago.

792
00:33:57,440 --> 00:34:00,000
Speaker 5: Yeah, six years ago, so we've got it for six

793
00:34:00,160 --> 00:34:00,840
Speaker 5: ninety six.

794
00:34:01,400 --> 00:34:03,520
Speaker 4: So it's a little bit higher than we ideally would

795
00:34:03,560 --> 00:34:04,320
Speaker 4: like it at the moment.

796
00:34:04,600 --> 00:34:07,200
Speaker 2: That actually doesn't matter at this point, you've got six

797
00:34:07,240 --> 00:34:09,080
Speaker 2: million years ahead of you because you're still a baby.

798
00:34:09,080 --> 00:34:11,640
Speaker 2: But yes, carry on you. Yeah.

799
00:34:11,680 --> 00:34:14,799
Speaker 5: So we brought that in twenty nineteen and it's an

800
00:34:14,880 --> 00:34:17,319
Speaker 5: awesome home. We've been able to do a few renovations

801
00:34:17,320 --> 00:34:19,400
Speaker 5: and things like that to it. We paid off our

802
00:34:19,480 --> 00:34:21,200
Speaker 5: hex that two years.

803
00:34:21,080 --> 00:34:24,520
Speaker 2: Ago, both of you, both of us. Yeah, oh my god.

804
00:34:24,640 --> 00:34:25,840
Speaker 2: So I was about to be like, do you have

805
00:34:25,880 --> 00:34:28,200
Speaker 2: any HEXTX? We always forget to talk about that, but

806
00:34:28,280 --> 00:34:29,080
Speaker 2: none there.

807
00:34:29,080 --> 00:34:31,920
Speaker 4: No, that was just through work. I don't know how

808
00:34:31,960 --> 00:34:32,200
Speaker 4: I did.

809
00:34:32,239 --> 00:34:33,440
Speaker 5: I did a job for a little while that had

810
00:34:33,480 --> 00:34:35,560
Speaker 5: some overtime, so I was really lucky that I didn't

811
00:34:35,600 --> 00:34:38,640
Speaker 5: put extra into it, but just it seemed to bring

812
00:34:38,640 --> 00:34:41,359
Speaker 5: my HEX down a lot in that sort of eighteen

813
00:34:41,400 --> 00:34:43,400
Speaker 5: month period that I was doing that job, and I

814
00:34:43,440 --> 00:34:47,279
Speaker 5: hadn't realized, And so we ended up getting a really.

815
00:34:47,280 --> 00:34:49,799
Speaker 4: Big tax return because I hadn't realized that i'd paid

816
00:34:49,800 --> 00:34:50,080
Speaker 4: it off.

817
00:34:50,080 --> 00:34:52,000
Speaker 2: Because that's a nice position to be in.

818
00:34:52,200 --> 00:34:54,120
Speaker 5: Yeah, I've only just learned the mic of isn't like

819
00:34:54,160 --> 00:34:58,480
Speaker 5: a live stat of what your hex is. So yeah,

820
00:34:59,120 --> 00:35:00,920
Speaker 5: we got a really big time so we're able to

821
00:35:00,920 --> 00:35:02,359
Speaker 5: do a few things around the house. So we've redone

822
00:35:02,400 --> 00:35:04,880
Speaker 5: our laundry, we've redone the bathroom for the kids, and

823
00:35:04,920 --> 00:35:07,600
Speaker 5: we've done the floors. So the house is all sort

824
00:35:07,640 --> 00:35:09,160
Speaker 5: of where we wanted at the moment.

825
00:35:09,000 --> 00:35:09,720
Speaker 4: Which is nice.

826
00:35:09,920 --> 00:35:11,719
Speaker 2: And what do you think the house is worth now?

827
00:35:11,880 --> 00:35:14,360
Speaker 5: It's worth about nine to eighty when we had a

828
00:35:14,440 --> 00:35:15,480
Speaker 5: value last year.

829
00:35:15,560 --> 00:35:18,840
Speaker 2: Oh stop it. So you've got some really nice equity

830
00:35:18,920 --> 00:35:21,359
Speaker 2: sitting there should you ever decide to like buy an

831
00:35:21,400 --> 00:35:24,960
Speaker 2: investment property or even have some wiggle room, like oh,

832
00:35:25,040 --> 00:35:27,720
Speaker 2: that's when you said, oh, it's you know six ninety

833
00:35:27,719 --> 00:35:30,319
Speaker 2: six purchase price. I think you said six thirty three

834
00:35:30,960 --> 00:35:33,120
Speaker 2: current loan, Like a lot of people will be like,

835
00:35:33,160 --> 00:35:35,360
Speaker 2: oh after six years, but she's been sitting on that

836
00:35:35,400 --> 00:35:37,879
Speaker 2: and made nearly three hundred grand guys, So I think

837
00:35:37,880 --> 00:35:39,879
Speaker 2: that's a pretty good situation to be and if you're sold.

838
00:35:40,200 --> 00:35:44,080
Speaker 5: Yeah, it was nice to have the car paid out

839
00:35:44,120 --> 00:35:47,040
Speaker 5: in Yeah, so look, it is what it is. We

840
00:35:47,080 --> 00:35:50,520
Speaker 5: also did purchase for one hundred, like almost one hundred percent.

841
00:35:50,520 --> 00:35:54,840
Speaker 5: We had a guaranteur from my husband's grandfather. He went guaranteur,

842
00:35:55,960 --> 00:35:58,239
Speaker 5: which was really kind and we're very lucky, I know,

843
00:35:58,360 --> 00:35:59,759
Speaker 5: how privileged you know we are.

844
00:35:59,800 --> 00:36:02,080
Speaker 4: We had saved enough money to pay for the stamp duty.

845
00:36:02,200 --> 00:36:04,279
Speaker 5: That was our sort of deposit money, just paid for

846
00:36:04,280 --> 00:36:06,080
Speaker 5: the stamp duty at right, So our loan was sort

847
00:36:06,080 --> 00:36:08,520
Speaker 5: of one hundred percent when we started. So yeah, it

848
00:36:08,560 --> 00:36:11,600
Speaker 5: was essentially six ninety six and we had that guaranteur

849
00:36:11,840 --> 00:36:13,240
Speaker 5: off in twelve months.

850
00:36:13,080 --> 00:36:15,520
Speaker 2: So, oh my god, how good. Yeah.

851
00:36:15,600 --> 00:36:18,040
Speaker 5: The property prices so we bought on election day in

852
00:36:18,040 --> 00:36:21,080
Speaker 5: twenty nineteen, and it was just the prices was sort

853
00:36:21,080 --> 00:36:22,760
Speaker 5: of a bit low and no one wanted.

854
00:36:22,560 --> 00:36:24,480
Speaker 4: To buy this house. So we're like, cool, we will

855
00:36:25,120 --> 00:36:28,160
Speaker 4: and twelve months later it had shot up.

856
00:36:28,440 --> 00:36:29,880
Speaker 2: That's so good, and then you would have got it

857
00:36:29,960 --> 00:36:32,360
Speaker 2: reevaluated and then you would have been able to release

858
00:36:32,400 --> 00:36:35,640
Speaker 2: the guaranteur and the bank will like see that is

859
00:36:35,719 --> 00:36:38,000
Speaker 2: literally my favorite thing ever, right because I own a

860
00:36:38,040 --> 00:36:40,320
Speaker 2: mortgage breaking business and talk about this all the time,

861
00:36:40,600 --> 00:36:42,480
Speaker 2: and people are always like, oh my god, Like if

862
00:36:42,520 --> 00:36:44,880
Speaker 2: I get a guaranteur, I'm impacting them for life. And

863
00:36:44,920 --> 00:36:47,000
Speaker 2: it does feel like this, and it is a big thing. Like,

864
00:36:47,200 --> 00:36:49,440
Speaker 2: don't get me wrong, we're putting a caveat over someone

865
00:36:49,440 --> 00:36:52,600
Speaker 2: else's home. That says if money dires doesn't pay her loan,

866
00:36:53,200 --> 00:36:55,279
Speaker 2: this person will be chased up for it. So it

867
00:36:55,360 --> 00:37:00,520
Speaker 2: is a significant commitment in saying that. That doesn't mean

868
00:37:00,600 --> 00:37:02,840
Speaker 2: that they're going to be on it for the thirty

869
00:37:02,920 --> 00:37:05,200
Speaker 2: years that you signed for. Like you can literally get

870
00:37:05,239 --> 00:37:07,880
Speaker 2: out of it within the first twelve months if property

871
00:37:07,880 --> 00:37:10,279
Speaker 2: prices change or if you know you were able to

872
00:37:10,320 --> 00:37:12,600
Speaker 2: smash down a bit of the loan and release that.

873
00:37:12,719 --> 00:37:15,520
Speaker 2: Like for a lot of people, having a guarante or

874
00:37:15,560 --> 00:37:18,799
Speaker 2: gets them into the market sooner. And like, if you'd

875
00:37:18,840 --> 00:37:22,200
Speaker 2: had to save your whole house deposit, especially with two kids,

876
00:37:22,320 --> 00:37:24,759
Speaker 2: I'm pretty sure it would have taken you more than

877
00:37:24,840 --> 00:37:28,920
Speaker 2: six years. For the average Australian it takes eleven years

878
00:37:29,280 --> 00:37:32,600
Speaker 2: to save their whole home deposit. That's a twenty percent deposit.

879
00:37:33,080 --> 00:37:37,880
Speaker 2: So sorry you're telling me that because his grandpa decided

880
00:37:37,920 --> 00:37:39,520
Speaker 2: to go yep, I will absolutely help you.

881
00:37:39,520 --> 00:37:39,719
Speaker 4: Guys.

882
00:37:39,760 --> 00:37:42,879
Speaker 2: You were able to build essentially three hundred thousand dollars

883
00:37:42,960 --> 00:37:44,480
Speaker 2: worth of wealth to sit there and put you in

884
00:37:44,480 --> 00:37:46,800
Speaker 2: a way better position. Oh my god, one thousand percent.

885
00:37:46,920 --> 00:37:48,080
Speaker 2: I want to be able to do the same for

886
00:37:48,160 --> 00:37:48,640
Speaker 2: my kids.

887
00:37:48,800 --> 00:37:51,239
Speaker 5: Yeah, we're so grateful, and it meant that we got

888
00:37:51,239 --> 00:37:53,920
Speaker 5: to have some really good conversations about money too. You know,

889
00:37:54,080 --> 00:37:56,440
Speaker 5: we committed that we would be paying extra on the

890
00:37:56,480 --> 00:37:57,799
Speaker 5: mortgage because.

891
00:37:57,520 --> 00:37:59,880
Speaker 4: At the time we were saving and paying rent.

892
00:38:00,280 --> 00:38:02,560
Speaker 5: So we just agreed that we'd keep paying that total

893
00:38:02,600 --> 00:38:05,320
Speaker 5: amount onto the mortgage, which was about fifteen hundred dollars

894
00:38:05,320 --> 00:38:07,000
Speaker 5: more than the mortgage of payment at the time.

895
00:38:07,400 --> 00:38:09,160
Speaker 4: So yeah, we were able to do that. And because

896
00:38:09,200 --> 00:38:11,640
Speaker 4: we were doing that, we had that habit we have

897
00:38:11,719 --> 00:38:13,160
Speaker 4: always paid quite a lot more.

898
00:38:13,239 --> 00:38:15,440
Speaker 5: So I think at the moment it's still roughly around

899
00:38:15,440 --> 00:38:18,720
Speaker 5: fifteen hundred more a month that we're paying off our mortgage.

900
00:38:18,920 --> 00:38:20,920
Speaker 5: And so when the interest rates went up. Yes, we

901
00:38:21,000 --> 00:38:23,120
Speaker 5: definitely felt that we didn't have as much sort of

902
00:38:23,280 --> 00:38:26,160
Speaker 5: redraw sitting there, for example, like we didn't have to

903
00:38:26,440 --> 00:38:27,960
Speaker 5: shift our expenses too much.

904
00:38:28,040 --> 00:38:32,040
Speaker 2: So yeah, yes, love love love love. So the other

905
00:38:32,120 --> 00:38:35,040
Speaker 2: thing I wanted to ask because I feel like I

906
00:38:35,040 --> 00:38:38,440
Speaker 2: don't know, I just I'm questioning everything about your story.

907
00:38:38,520 --> 00:38:40,359
Speaker 2: You came and you're like, oh, probably a C plus

908
00:38:40,440 --> 00:38:43,520
Speaker 2: or a B minus and I'm just like pix girls delusional.

909
00:38:43,560 --> 00:38:46,520
Speaker 2: But okay, so tell me a bit more because I reckon,

910
00:38:46,680 --> 00:38:49,400
Speaker 2: you've got some pretty good money habits. What do you

911
00:38:49,400 --> 00:38:51,000
Speaker 2: think is your best money habit?

912
00:38:51,320 --> 00:38:56,000
Speaker 5: I think it's just been able to like if I

913
00:38:56,000 --> 00:38:57,680
Speaker 5: get something in my head, I can just do it

914
00:38:57,800 --> 00:38:59,840
Speaker 5: so like I set myself for god last year that

915
00:38:59,840 --> 00:39:01,640
Speaker 5: I was going to buy any lunch or coffee up

916
00:39:01,680 --> 00:39:04,719
Speaker 5: for example, when I was working, because I started calculating

917
00:39:04,760 --> 00:39:07,200
Speaker 5: like how much money I was spending on lunch at

918
00:39:07,200 --> 00:39:10,080
Speaker 5: work and to coffee, and I was like, girl, what

919
00:39:10,120 --> 00:39:12,040
Speaker 5: are you doing? So when I put my mind to something,

920
00:39:12,120 --> 00:39:14,480
Speaker 5: I can really just knuckle down and do it. Like

921
00:39:14,560 --> 00:39:18,360
Speaker 5: it doesn't feel like I guess at chore. I've always

922
00:39:18,680 --> 00:39:21,000
Speaker 5: ever since I guess, you know, been eighteen and we

923
00:39:21,080 --> 00:39:23,200
Speaker 5: got our first rent tool back then, and I think

924
00:39:23,239 --> 00:39:26,240
Speaker 5: our rent back then was two ninety five a week

925
00:39:26,600 --> 00:39:30,759
Speaker 5: and we had about twelve hundred a fortnight coming in,

926
00:39:31,480 --> 00:39:34,320
Speaker 5: so you know, it was always a sort of relatively big.

927
00:39:34,239 --> 00:39:35,280
Speaker 4: Portion about income.

928
00:39:36,000 --> 00:39:39,920
Speaker 5: And I've always just paid the rent and the bills

929
00:39:40,040 --> 00:39:42,640
Speaker 5: and everything as soon as we get paid, pay every bill,

930
00:39:43,040 --> 00:39:45,200
Speaker 5: pay all the rent, and then it's sort of like

931
00:39:45,239 --> 00:39:46,920
Speaker 5: what are we left with, so that you know, I'm

932
00:39:46,920 --> 00:39:49,920
Speaker 5: never behind on those essential things like you know, a

933
00:39:50,000 --> 00:39:52,080
Speaker 5: roof of your head and electricity and water and that

934
00:39:52,120 --> 00:39:52,560
Speaker 5: sort of thing.

935
00:39:52,600 --> 00:39:53,399
Speaker 4: So I think sort of.

936
00:39:53,400 --> 00:39:56,080
Speaker 5: Like my best money have it easier, probably like when

937
00:39:56,120 --> 00:39:58,359
Speaker 5: I need to, we can sort of knuckle down and

938
00:39:58,400 --> 00:40:01,680
Speaker 5: just get on with it and real prioritizing those major

939
00:40:01,800 --> 00:40:04,560
Speaker 5: sort of bills and things like that, and then you.

940
00:40:04,480 --> 00:40:06,440
Speaker 4: Know, I guess life and FuMB will come later.

941
00:40:06,719 --> 00:40:08,680
Speaker 5: But now I'm in a spot where we can kind

942
00:40:08,680 --> 00:40:11,160
Speaker 5: of prioritize both pay the mortgage, pay the bills, but

943
00:40:11,200 --> 00:40:13,640
Speaker 5: then also have some fun money and that we.

944
00:40:13,760 --> 00:40:15,360
Speaker 4: Don't have to have any pressure or anything on.

945
00:40:15,560 --> 00:40:19,319
Speaker 2: So yeah, balance, see, you're already working towards it, and

946
00:40:19,360 --> 00:40:21,440
Speaker 2: I feel like that is one of the most healthiest

947
00:40:21,480 --> 00:40:24,600
Speaker 2: money habits. Ever, it's not like every week I sit

948
00:40:24,640 --> 00:40:27,880
Speaker 2: down and you know, do ABCD. It's like I've managed

949
00:40:27,920 --> 00:40:30,880
Speaker 2: to find a balance between what works and what needs

950
00:40:30,960 --> 00:40:35,399
Speaker 2: to happen and obsessed on the flip side, I mean,

951
00:40:35,560 --> 00:40:38,000
Speaker 2: you better be a good bad money habit because you said, oh,

952
00:40:38,040 --> 00:40:40,400
Speaker 2: it might be like a C plus, Like, I'll tell

953
00:40:40,440 --> 00:40:42,799
Speaker 2: you about it. What's your worst money habit? Come on,

954
00:40:43,000 --> 00:40:46,080
Speaker 2: it's got to be good. I feel like the chemistry

955
00:40:46,080 --> 00:40:48,120
Speaker 2: between you and I is about to tell me that

956
00:40:48,200 --> 00:40:51,040
Speaker 2: your bad money habit is probably something I do. So

957
00:40:51,600 --> 00:40:53,440
Speaker 2: tell me, Oh, I.

958
00:40:53,320 --> 00:40:54,200
Speaker 4: Love to shop.

959
00:40:54,360 --> 00:40:56,839
Speaker 5: I'm very I could be very impulsive, Like I can

960
00:40:56,920 --> 00:41:00,440
Speaker 5: be so planned and you know, organized and and it's

961
00:41:00,480 --> 00:41:03,399
Speaker 5: awesome and then next minute I'm like, yeah, I want

962
00:41:03,400 --> 00:41:05,200
Speaker 5: to go get that new outfit, or I'm going to

963
00:41:05,200 --> 00:41:05,640
Speaker 5: the new.

964
00:41:05,520 --> 00:41:09,279
Speaker 2: Mecca or where are we shopping Mecca.

965
00:41:09,680 --> 00:41:11,760
Speaker 4: Seed Country Road Dish.

966
00:41:11,840 --> 00:41:14,000
Speaker 2: Yeah, we could go shopping together. We'd have a great time,

967
00:41:14,239 --> 00:41:16,000
Speaker 2: and I feel like we'd enable each other because do

968
00:41:16,000 --> 00:41:17,760
Speaker 2: you know what I would do. I'd be like, oh, babe,

969
00:41:17,800 --> 00:41:20,919
Speaker 2: I mean those pants are white. That's a staple, that's

970
00:41:20,920 --> 00:41:24,400
Speaker 2: an investment. Like if you need me to be the

971
00:41:24,560 --> 00:41:27,120
Speaker 2: bad friend, I can be like, I'm not going to

972
00:41:27,160 --> 00:41:28,480
Speaker 2: talk you out of a cute purchase.

973
00:41:28,960 --> 00:41:33,919
Speaker 4: My friends are too sensible, So yeah, I definitely need that. Yeah.

974
00:41:34,160 --> 00:41:37,440
Speaker 5: So I think my bad money habit is I can

975
00:41:37,680 --> 00:41:40,560
Speaker 5: just be that bit impulsive and I'll put money aside

976
00:41:40,600 --> 00:41:43,120
Speaker 5: for something that is like a genuine thing I'm putting

977
00:41:43,160 --> 00:41:45,759
Speaker 5: aside for, Like I've started going to getting a bit

978
00:41:45,760 --> 00:41:47,600
Speaker 5: of a Christmas fund and then I'm like, yeah, but

979
00:41:47,719 --> 00:41:49,640
Speaker 5: there is a sale. Maybe we'll just take a little

980
00:41:49,680 --> 00:41:51,840
Speaker 5: bit of money from that, and like I need to

981
00:41:51,840 --> 00:41:52,799
Speaker 5: seriously work about that.

982
00:41:53,920 --> 00:41:57,319
Speaker 4: Yeah. So I think just that more impulsive spending side of.

983
00:41:57,239 --> 00:42:00,120
Speaker 2: Things, But that goes hand in hand with ADHD. I'm

984
00:42:00,200 --> 00:42:04,680
Speaker 2: so sorry. We are suckers for instant gratification. Like if

985
00:42:04,719 --> 00:42:08,000
Speaker 2: it is shiny, we are basically bower birds. And I

986
00:42:08,040 --> 00:42:10,479
Speaker 2: think the best thing we can do is consistently talk

987
00:42:10,520 --> 00:42:12,480
Speaker 2: about that and go, oh, I'm really bad at this

988
00:42:12,600 --> 00:42:14,799
Speaker 2: or I'm you know, really struggling with this, so that

989
00:42:14,840 --> 00:42:18,000
Speaker 2: we can try different strategies, because a strategy that works

990
00:42:18,040 --> 00:42:20,080
Speaker 2: for me might not work for you, and you can

991
00:42:20,200 --> 00:42:22,680
Speaker 2: kind of like trial and error and work out what works.

992
00:42:22,920 --> 00:42:24,839
Speaker 2: But one of the best things I think you can

993
00:42:24,880 --> 00:42:28,440
Speaker 2: do is go back through your finances and get a highlighter.

994
00:42:28,480 --> 00:42:31,120
Speaker 2: It's going to be really boring and it's also really confronting,

995
00:42:31,160 --> 00:42:32,480
Speaker 2: so you might need a little bit of like a

996
00:42:32,520 --> 00:42:34,680
Speaker 2: glass of wine or something to do this. But go

997
00:42:34,760 --> 00:42:37,319
Speaker 2: back and just like highlight all of the purchases that

998
00:42:37,400 --> 00:42:40,120
Speaker 2: you think were pretty impulsive, and then I want you

999
00:42:40,160 --> 00:42:43,160
Speaker 2: to write down how you feel about them now because

1000
00:42:43,440 --> 00:42:46,040
Speaker 2: I can guarantee, like, don't get me wrong, I'm a

1001
00:42:46,120 --> 00:42:49,759
Speaker 2: level for it, Mecca, Like you can't tell me like

1002
00:42:50,160 --> 00:42:53,800
Speaker 2: anything basically, like I know better. But what I also

1003
00:42:53,960 --> 00:42:57,799
Speaker 2: know is that going through and understanding how those things

1004
00:42:57,840 --> 00:43:01,400
Speaker 2: actually don't spark that much joy anymore. Yeah, Like, and

1005
00:43:01,440 --> 00:43:03,839
Speaker 2: it's the bigger purchases where I've gone, all right, well

1006
00:43:03,880 --> 00:43:06,800
Speaker 2: I really do you know. Let's pretend it's a makeup product,

1007
00:43:06,800 --> 00:43:08,680
Speaker 2: And right now I'm looking at a Charlotte till Ree

1008
00:43:08,680 --> 00:43:11,200
Speaker 2: bronzer and I've got it saved in my Mecca cut

1009
00:43:11,280 --> 00:43:13,239
Speaker 2: on the app and I have for a while. But

1010
00:43:13,320 --> 00:43:14,920
Speaker 2: I also know I've got a bronzer at home, So

1011
00:43:14,920 --> 00:43:16,920
Speaker 2: I'm trying to be a responsible adult and be like

1012
00:43:16,960 --> 00:43:18,759
Speaker 2: I don't need that, right, I don't, but like I

1013
00:43:18,840 --> 00:43:20,480
Speaker 2: keep looking at it and have you said how beautiful

1014
00:43:20,480 --> 00:43:23,560
Speaker 2: the packaging is. Like that gets me as well. So

1015
00:43:23,719 --> 00:43:26,200
Speaker 2: I just know, one I'm not going to go into Mecca,

1016
00:43:26,239 --> 00:43:28,440
Speaker 2: but two, I'm going to keep thinking about this and

1017
00:43:28,480 --> 00:43:31,480
Speaker 2: then once I've run out of something else, I'm going

1018
00:43:31,520 --> 00:43:34,640
Speaker 2: to give myself that as kind of a reward. And

1019
00:43:34,719 --> 00:43:37,000
Speaker 2: once that happens, I just know I'm going to enjoy

1020
00:43:37,040 --> 00:43:40,719
Speaker 2: it a little bit more. Like if it was impulsive, yeah,

1021
00:43:40,719 --> 00:43:43,480
Speaker 2: I'm going to use it, but like if I feel

1022
00:43:43,520 --> 00:43:45,480
Speaker 2: like I have earned it, and I know that we're

1023
00:43:45,520 --> 00:43:48,160
Speaker 2: not saying, oh yeah, you worked so hard for that bronzer,

1024
00:43:48,600 --> 00:43:51,040
Speaker 2: so lame. But if I feel like I have delayed

1025
00:43:51,040 --> 00:43:54,000
Speaker 2: that purchase as much as possible, and then I decided

1026
00:43:54,080 --> 00:43:57,719
Speaker 2: I still really want it. It sits on my bathroom counter,

1027
00:43:57,760 --> 00:44:00,080
Speaker 2: and when I use it feels better Like it just does.

1028
00:44:00,320 --> 00:44:01,960
Speaker 2: So like, how do we get you to a point

1029
00:44:02,000 --> 00:44:04,600
Speaker 2: where you're like, impulsive shopping is actually not as good

1030
00:44:04,640 --> 00:44:06,239
Speaker 2: as I thought it was. I get this really high

1031
00:44:06,239 --> 00:44:09,200
Speaker 2: dopamine hit at the very start, then I don't give

1032
00:44:09,239 --> 00:44:11,880
Speaker 2: a shit. So what am I going to do? Because

1033
00:44:11,880 --> 00:44:13,560
Speaker 2: I can almost guarantee if I go through your wardrobe

1034
00:44:13,560 --> 00:44:16,040
Speaker 2: there's probably heaps of stuff I want. But also stuff

1035
00:44:16,040 --> 00:44:19,080
Speaker 2: that you've forgotten about, and also stuff that you're like, oh, yeah,

1036
00:44:19,160 --> 00:44:21,239
Speaker 2: I really liked that when I was in store, and

1037
00:44:21,320 --> 00:44:24,400
Speaker 2: I just haven't worn it. Like it's confronting and it's terrible,

1038
00:44:24,440 --> 00:44:26,360
Speaker 2: but like that's just who we are, so we just

1039
00:44:26,400 --> 00:44:27,640
Speaker 2: need to be honest about that.

1040
00:44:28,040 --> 00:44:28,239
Speaker 4: Yeah.

1041
00:44:28,400 --> 00:44:30,480
Speaker 5: I think it's been more mindful sort of probably in

1042
00:44:30,520 --> 00:44:33,040
Speaker 5: my spending and what I do want to spend things

1043
00:44:33,040 --> 00:44:35,879
Speaker 5: on is probably my next thing to be working on.

1044
00:44:35,920 --> 00:44:37,920
Speaker 2: And that's not bad. I think. My first tip and

1045
00:44:37,960 --> 00:44:39,480
Speaker 2: if you've read my book, you already know it. It's

1046
00:44:39,480 --> 00:44:41,600
Speaker 2: put twenty four hours between you and you're spending. And

1047
00:44:41,640 --> 00:44:43,959
Speaker 2: I say that because you know a week would be better,

1048
00:44:43,960 --> 00:44:47,480
Speaker 2: but like I don't have the patience for a week. Yeah,

1049
00:44:46,760 --> 00:44:49,800
Speaker 2: Like I just need to tell myself, Victoria, if you

1050
00:44:49,800 --> 00:44:51,400
Speaker 2: still really want it, you can have it tomorrow. And

1051
00:44:51,440 --> 00:44:54,440
Speaker 2: most of the time, because I have ADHD, I already

1052
00:44:54,440 --> 00:44:55,200
Speaker 2: forgot what it was.

1053
00:44:55,800 --> 00:44:58,680
Speaker 5: Yeah, yeah, I'm exactly the same. And yeah, we've been

1054
00:44:58,680 --> 00:45:01,320
Speaker 5: applying that sort of that bit to our just overall

1055
00:45:01,480 --> 00:45:04,239
Speaker 5: household budget as well, because you know, you decide, oh,

1056
00:45:04,280 --> 00:45:06,680
Speaker 5: there's a furniture sale, or we should buy any coffee

1057
00:45:06,719 --> 00:45:09,120
Speaker 5: table or something. If I don't need a coffee table walk.

1058
00:45:08,920 --> 00:45:09,480
Speaker 4: Out of the store.

1059
00:45:10,000 --> 00:45:12,520
Speaker 2: It's so rough, isn't it. I totally get that, but

1060
00:45:12,600 --> 00:45:14,960
Speaker 2: I also don't think that that drags your money score

1061
00:45:15,040 --> 00:45:18,040
Speaker 2: down to a C plus, Like if I do a

1062
00:45:18,160 --> 00:45:21,960
Speaker 2: very quick recap, I'm sorry, but you felt pregnant while

1063
00:45:22,000 --> 00:45:24,919
Speaker 2: in year twelve, got kicked out of school, finished high

1064
00:45:24,920 --> 00:45:28,280
Speaker 2: school at TAFE, went on to have a second baby

1065
00:45:28,320 --> 00:45:31,120
Speaker 2: at twenty, and you were at UNI. You did UNI

1066
00:45:31,200 --> 00:45:33,840
Speaker 2: in a shorter period of time than most people would do.

1067
00:45:34,080 --> 00:45:36,560
Speaker 2: How I don't know, because I couldn't even balance my

1068
00:45:36,600 --> 00:45:39,000
Speaker 2: work life balance and I didn't have kids at UNI.

1069
00:45:39,080 --> 00:45:42,040
Speaker 2: But you popped off. Then you've built your career, have

1070
00:45:42,080 --> 00:45:44,879
Speaker 2: an incredible job. Both you and your husband own over

1071
00:45:44,960 --> 00:45:47,680
Speaker 2: six figures, like and be real, that's just going to

1072
00:45:47,760 --> 00:45:50,880
Speaker 2: keep increasing over time because your university educated. And like

1073
00:45:50,960 --> 00:45:53,160
Speaker 2: you were saying before, look, I work for state government.

1074
00:45:53,440 --> 00:45:55,080
Speaker 2: I know there are so many steps ahead of you

1075
00:45:55,120 --> 00:45:58,279
Speaker 2: in that space, like there's just so much opportunity. Same

1076
00:45:58,280 --> 00:46:00,560
Speaker 2: with project management for your partner. Yes, he's on a

1077
00:46:00,640 --> 00:46:02,839
Speaker 2: really good innings of like what one eighty five now,

1078
00:46:03,440 --> 00:46:05,359
Speaker 2: but like you and I both know that just goes

1079
00:46:05,440 --> 00:46:07,640
Speaker 2: up from there. Like the more experience they get, the

1080
00:46:07,640 --> 00:46:10,799
Speaker 2: more money comes in in that space. So like the

1081
00:46:10,880 --> 00:46:14,719
Speaker 2: trajectory is looking incredible. You've got a really solid mortgage.

1082
00:46:14,719 --> 00:46:17,320
Speaker 2: You've made some really good decisions when it comes to money.

1083
00:46:17,360 --> 00:46:19,120
Speaker 2: Sorry you said I had a car loan. You know

1084
00:46:19,160 --> 00:46:20,920
Speaker 2: we don't have that anymore. It's kind of rolled into

1085
00:46:20,960 --> 00:46:23,200
Speaker 2: the mortgage. We've had credit cards, but we've paid them

1086
00:46:23,200 --> 00:46:26,920
Speaker 2: all off. Sorry, you're making really good money decisions, like

1087
00:46:27,160 --> 00:46:30,359
Speaker 2: really good, and I'm pretty sure your kids are like, oh,

1088
00:46:30,440 --> 00:46:32,720
Speaker 2: mom and dad, we're really proud of them. Like sorry,

1089
00:46:32,719 --> 00:46:35,040
Speaker 2: you're putting a roof over your kids' heads. And most

1090
00:46:35,080 --> 00:46:37,759
Speaker 2: thirty year olds right now still haven't saved for their

1091
00:46:37,760 --> 00:46:41,680
Speaker 2: first home deposits. And that's not throwing shade, that's just going, hey,

1092
00:46:41,800 --> 00:46:44,040
Speaker 2: I don't think you realize how much you've achieved because

1093
00:46:44,080 --> 00:46:46,440
Speaker 2: you've been in survival mode for so long, Like you

1094
00:46:46,480 --> 00:46:50,120
Speaker 2: probably haven't reflected and been like, oh well actually, because

1095
00:46:50,239 --> 00:46:52,759
Speaker 2: like let's go back to the mother's group conversation. You're

1096
00:46:52,760 --> 00:46:55,960
Speaker 2: comparing yourself to people who are probably so far ahead

1097
00:46:55,960 --> 00:46:57,880
Speaker 2: of you and also have a ten and a twelve

1098
00:46:57,920 --> 00:47:01,399
Speaker 2: year old because like school mom, I'm assuming that's where

1099
00:47:01,400 --> 00:47:03,920
Speaker 2: the comparison comes from girl. They're in their forties.

1100
00:47:04,040 --> 00:47:06,279
Speaker 4: Yeah, they're all in their forties, late forties, yeah, mich to.

1101
00:47:06,239 --> 00:47:09,480
Speaker 2: Late forties, yeah exactly. And we're comparing ourselves to that,

1102
00:47:09,600 --> 00:47:11,520
Speaker 2: Like you're thirty, they're looking at you, going, how has

1103
00:47:11,560 --> 00:47:14,840
Speaker 2: she got her shit together so well? And on the

1104
00:47:14,840 --> 00:47:17,799
Speaker 2: flip side, you're comparing yourself to your friends that were

1105
00:47:17,800 --> 00:47:21,160
Speaker 2: out clubbing while you were at home looking after your kids.

1106
00:47:21,440 --> 00:47:24,920
Speaker 2: And there's no shade on either side. But they've been

1107
00:47:25,040 --> 00:47:27,200
Speaker 2: enjoying their twenties. And don't get me wrong, I would

1108
00:47:27,280 --> 00:47:29,160
Speaker 2: feel like I was missing out a little bit too.

1109
00:47:29,239 --> 00:47:31,640
Speaker 2: And I'm not disregarding what you've been through, but like

1110
00:47:31,640 --> 00:47:34,000
Speaker 2: it's kind of like they've probably only just started knuckling

1111
00:47:34,040 --> 00:47:36,479
Speaker 2: down now. So if you compare to them, that's also

1112
00:47:36,480 --> 00:47:39,399
Speaker 2: a terrible comparison. You're just running your own race. Put

1113
00:47:39,440 --> 00:47:42,480
Speaker 2: some blinkers on, because you're killing it. I really like,

1114
00:47:42,600 --> 00:47:44,440
Speaker 2: I'm not going to get you to redo your like

1115
00:47:44,440 --> 00:47:48,200
Speaker 2: your money grade, but I just know you're sitting closer

1116
00:47:48,200 --> 00:47:50,120
Speaker 2: to an A than you think you are. But you

1117
00:47:50,239 --> 00:47:53,040
Speaker 2: keep finding reasons to drag yourself down and go, well,

1118
00:47:53,040 --> 00:47:56,560
Speaker 2: we're not investing, well, we don't own an investment property. Well,

1119
00:47:57,000 --> 00:47:59,879
Speaker 2: we just don't have a lot of direction. Good find

1120
00:48:00,280 --> 00:48:03,400
Speaker 2: that's so fun, Like you're starting here and that's so exciting.

1121
00:48:03,480 --> 00:48:06,439
Speaker 2: Like there's just so much going on. And I think

1122
00:48:06,480 --> 00:48:09,279
Speaker 2: with some good planning, a good budget and cash flow

1123
00:48:09,320 --> 00:48:11,640
Speaker 2: system so that everything flows through, you'll be able to

1124
00:48:11,680 --> 00:48:14,359
Speaker 2: identify what you can invest, what you can save, what

1125
00:48:14,400 --> 00:48:16,759
Speaker 2: life looks like in the future. Then we can talk

1126
00:48:16,800 --> 00:48:20,640
Speaker 2: about investing and getting ahead. Like I'm just so excited.

1127
00:48:20,160 --> 00:48:21,600
Speaker 4: For you, Thank you, thank you.

1128
00:48:22,400 --> 00:48:24,960
Speaker 2: This is just this is such a good money story.

1129
00:48:25,080 --> 00:48:27,320
Speaker 2: Like I just feel like you're right. Your money journey

1130
00:48:27,400 --> 00:48:29,840
Speaker 2: is about resilience, learning and creating the future that you

1131
00:48:29,920 --> 00:48:33,000
Speaker 2: only once dreamed of. Like, if I go back to baby,

1132
00:48:33,040 --> 00:48:35,640
Speaker 2: you you're what's seventeen.

1133
00:48:35,280 --> 00:48:36,600
Speaker 4: Yeah, seventeen when I found out.

1134
00:48:36,760 --> 00:48:39,560
Speaker 2: You found out when you were pregnant. Hey, babe, you're

1135
00:48:39,600 --> 00:48:42,120
Speaker 2: married to the man that you fell pregnant to. You

1136
00:48:42,160 --> 00:48:44,560
Speaker 2: are deeply in love. You've been together for thirteen years.

1137
00:48:44,640 --> 00:48:47,200
Speaker 2: You own a house, you've got cars together, your kids

1138
00:48:47,200 --> 00:48:49,279
Speaker 2: are at school. Your first daughter, Oh my god, she's

1139
00:48:49,360 --> 00:48:52,239
Speaker 2: just gotten into high school. That's crazy. Did you think

1140
00:48:52,280 --> 00:48:53,480
Speaker 2: it would work out like this?

1141
00:48:53,920 --> 00:48:54,560
Speaker 4: Yeah? I know.

1142
00:48:55,400 --> 00:48:58,160
Speaker 5: When you put it like that, I'm like, Okay, I've

1143
00:48:58,200 --> 00:49:00,560
Speaker 5: actually done probably better than I'm giving myself credit for,

1144
00:49:00,880 --> 00:49:03,319
Speaker 5: because this is everything that I did want back then.

1145
00:49:03,600 --> 00:49:07,000
Speaker 5: And yeah, it is a bit crazy that I, you know,

1146
00:49:07,120 --> 00:49:09,880
Speaker 5: set ourselves to this sort of goal and this trajectory

1147
00:49:09,880 --> 00:49:12,160
Speaker 5: and we have got here, And yeah, it is probably

1148
00:49:12,239 --> 00:49:14,000
Speaker 5: nice to be able to go, you know, even have

1149
00:49:14,040 --> 00:49:17,320
Speaker 5: a conversation like this and be like reflecting back that, Okay,

1150
00:49:17,640 --> 00:49:19,480
Speaker 5: I actually have coup a lot of a and have

1151
00:49:19,600 --> 00:49:21,000
Speaker 5: achieved a lot exactly.

1152
00:49:21,080 --> 00:49:24,360
Speaker 2: And then also, sorry, you're thirty and you're on six figures,

1153
00:49:24,880 --> 00:49:29,480
Speaker 2: like crazy, actually crazy to think that you did this yourself,

1154
00:49:30,040 --> 00:49:32,719
Speaker 2: Like nobody else did this. You did this, and that's incredible.

1155
00:49:32,760 --> 00:49:35,359
Speaker 2: So like straight a for me, Yes, we can work

1156
00:49:35,360 --> 00:49:37,560
Speaker 2: on investing. Yes we can work on heaps of stuff,

1157
00:49:37,560 --> 00:49:39,520
Speaker 2: but not only do we have time, we actually have

1158
00:49:39,640 --> 00:49:42,319
Speaker 2: the budget. Like there's so much flexibility in your cash

1159
00:49:42,360 --> 00:49:44,799
Speaker 2: flow that we could ebb and flow with and work

1160
00:49:44,840 --> 00:49:47,560
Speaker 2: out what that looks like that the potential isn't just

1161
00:49:47,600 --> 00:49:49,400
Speaker 2: like Okay, well, one of the things we need to

1162
00:49:49,400 --> 00:49:51,719
Speaker 2: do is work on increasing your income so that we

1163
00:49:51,719 --> 00:49:54,080
Speaker 2: can achieve the lifestyle you want. We don't have to

1164
00:49:54,120 --> 00:49:57,160
Speaker 2: do that, Like you're ahead of the game. I'm so

1165
00:49:57,280 --> 00:49:59,720
Speaker 2: excited and I'm so sad that we're running out of time.

1166
00:50:00,440 --> 00:50:03,440
Speaker 2: Thank you, Thank you money Darist. It has been an

1167
00:50:03,480 --> 00:50:05,839
Speaker 2: absolute pleasure having a chat with you today. I feel

1168
00:50:05,920 --> 00:50:08,600
Speaker 2: very grateful that we've been able to uncover a little

1169
00:50:08,600 --> 00:50:10,640
Speaker 2: bit more about your money story, learn about you. I

1170
00:50:10,680 --> 00:50:13,560
Speaker 2: feel like this is a very special money story, and

1171
00:50:13,600 --> 00:50:15,680
Speaker 2: I'm hoping that there are a few women in our

1172
00:50:15,680 --> 00:50:18,799
Speaker 2: community who resonate with it as well and go, oh

1173
00:50:18,880 --> 00:50:21,400
Speaker 2: my god, you're right, I am killing it and comparing

1174
00:50:21,440 --> 00:50:24,640
Speaker 2: myself to the wrong types of people or the wrong standards.

1175
00:50:25,120 --> 00:50:27,600
Speaker 2: But I really really appreciate that you've shared your story,

1176
00:50:27,680 --> 00:50:29,360
Speaker 2: and I just know that our community is going to

1177
00:50:29,400 --> 00:50:30,359
Speaker 2: be as grateful as I am.

1178
00:50:30,640 --> 00:50:32,480
Speaker 4: Thank you so much. Thanks for having me on here.

1179
00:50:38,800 --> 00:50:40,960
Speaker 6: Di If I shared or She's on the Money is

1180
00:50:41,040 --> 00:50:44,640
Speaker 6: general in nature and does not consider your individual circumstances.

1181
00:50:45,000 --> 00:50:48,279
Speaker 6: She's on the Money it exists purely for educational purposes

1182
00:50:48,320 --> 00:50:50,719
Speaker 6: and should not be relied upon to make an investment

1183
00:50:50,800 --> 00:50:53,600
Speaker 6: or financial decision. If you do choose to buy a

1184
00:50:53,640 --> 00:50:58,160
Speaker 6: financial product, read the PDS TMD and obtain appropriate financial.

1185
00:50:57,719 --> 00:50:59,520
Speaker 2: Advice tailored towards your needs.

1186
00:51:00,120 --> 00:51:03,840
Speaker 6: Torria, Divine and sheese on the money are authorized representatives

1187
00:51:03,880 --> 00:51:06,239
Speaker 6: of money sherper P T y L t D A

1188
00:51:06,360 --> 00:51:09,279
Speaker 6: b N three two one six four nine two seven

1189
00:51:09,400 --> 00:51:12,239
Speaker 6: seven zero eight a F s L four five one

1190
00:51:12,440 --> 00:51:13,840
Speaker 6: two eight nine