1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:27,000 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:58,560 Speaker 3: She's on the Money. She's on the Money. Hello, and 12 00:00:58,760 --> 00:01:01,680 Speaker 3: welcome to She's on the Money, the podcast for millennials 13 00:01:01,680 --> 00:01:04,840 Speaker 3: who want financial freedom. Welcome back to another one of 14 00:01:04,880 --> 00:01:06,760 Speaker 3: our money diaries where we get to talk to one 15 00:01:06,800 --> 00:01:09,440 Speaker 3: of our incredible She's on the Money community members all 16 00:01:09,520 --> 00:01:12,679 Speaker 3: about their journey. Let's dive straight into it because we 17 00:01:12,760 --> 00:01:14,640 Speaker 3: got an email this week and it went a little 18 00:01:14,680 --> 00:01:17,280 Speaker 3: bit like this, Hey, She's on the Money. I grew 19 00:01:17,360 --> 00:01:19,120 Speaker 3: up in a family with a lot of money and 20 00:01:19,240 --> 00:01:21,720 Speaker 3: was very spoiled till one day when I was fifteen 21 00:01:21,800 --> 00:01:24,080 Speaker 3: years old, I was woken up by the police who 22 00:01:24,080 --> 00:01:27,200 Speaker 3: were raiding my family home. This resulted in my dad 23 00:01:27,240 --> 00:01:30,440 Speaker 3: going to prison and our family losing all of our money. 24 00:01:30,840 --> 00:01:33,160 Speaker 3: As a result, I've learned how to be one hundred 25 00:01:33,200 --> 00:01:36,720 Speaker 3: percent independent, manage my money, travel the world, pay for 26 00:01:36,760 --> 00:01:40,840 Speaker 3: an expensive wedding and honeymoon with cash after going through 27 00:01:40,880 --> 00:01:44,360 Speaker 3: a wild thirty thousand dollars debt cycle kicked off by 28 00:01:44,480 --> 00:01:47,840 Speaker 3: taking bad advice from my aunt. I can't wait to 29 00:01:47,880 --> 00:01:50,480 Speaker 3: share my story with you, money Diarist, I can't wait 30 00:01:50,520 --> 00:01:52,400 Speaker 3: for you to share your money story with us either. 31 00:01:53,720 --> 00:01:54,320 Speaker 2: Thank you. 32 00:01:54,320 --> 00:01:56,080 Speaker 3: What a wild journey. 33 00:01:56,760 --> 00:01:57,640 Speaker 2: Yeah, it's been a riot. 34 00:01:57,840 --> 00:01:59,920 Speaker 3: That has been a ride. Indeed, I cannot wait to 35 00:02:00,120 --> 00:02:03,120 Speaker 3: hear more about it. First things first, though, I want 36 00:02:03,120 --> 00:02:05,360 Speaker 3: to know what grade would you give your money habits. 37 00:02:05,400 --> 00:02:07,200 Speaker 3: If I asked you to give yourself a grade from 38 00:02:07,240 --> 00:02:08,200 Speaker 3: A through to F. 39 00:02:08,280 --> 00:02:09,639 Speaker 2: I would give myself a B plus. 40 00:02:09,760 --> 00:02:13,640 Speaker 3: I think powesam all right, Well, let's kick straight into it, 41 00:02:13,760 --> 00:02:16,320 Speaker 3: money Diarist, I'm desperate. I need to know give us 42 00:02:16,360 --> 00:02:19,000 Speaker 3: a little bit more information about your money story. 43 00:02:19,200 --> 00:02:21,560 Speaker 4: So yeah, like it said, I grew up in a 44 00:02:21,560 --> 00:02:25,520 Speaker 4: wealthy family. I was pretty spoilt, got what I wanted. 45 00:02:25,760 --> 00:02:28,639 Speaker 4: We'd go on holidays all the time. And then yeah, 46 00:02:28,639 --> 00:02:31,400 Speaker 4: when I was a teenager, I woke up one morning 47 00:02:31,440 --> 00:02:34,280 Speaker 4: and it was a police officer waking me up telling 48 00:02:34,320 --> 00:02:37,520 Speaker 4: me I had to go sit in our living room 49 00:02:37,680 --> 00:02:39,359 Speaker 4: while our house was raided. 50 00:02:40,320 --> 00:02:43,160 Speaker 2: And then from that day it. 51 00:02:43,280 --> 00:02:47,720 Speaker 4: Was fourteen years until I saw my dad not behind 52 00:02:47,760 --> 00:02:51,480 Speaker 4: bus anymore. So this was super shocking, obviously and confronting 53 00:02:51,520 --> 00:02:55,080 Speaker 4: for everyone. Mostly I would say for my mum because 54 00:02:55,120 --> 00:02:57,720 Speaker 4: she had no idea, Oh my god, what was going on, 55 00:02:57,840 --> 00:03:01,160 Speaker 4: like where the extra money was coming from. So she 56 00:03:01,400 --> 00:03:04,840 Speaker 4: was just in shock and everything was taken away. So 57 00:03:05,480 --> 00:03:08,560 Speaker 4: the lifestyle of holidays and buying whatever you want and 58 00:03:08,680 --> 00:03:11,880 Speaker 4: all of that was taken away, and we had to 59 00:03:12,000 --> 00:03:17,120 Speaker 4: learn how to navigate that life without money. And my 60 00:03:17,240 --> 00:03:21,160 Speaker 4: mum hadn't worked for a long time since one of 61 00:03:21,200 --> 00:03:25,280 Speaker 4: my last siblings was born, so that was about ten years. 62 00:03:25,400 --> 00:03:25,600 Speaker 1: Yeah. 63 00:03:25,680 --> 00:03:30,440 Speaker 4: Wow, So it was going through navigating getting money and 64 00:03:30,520 --> 00:03:33,680 Speaker 4: going back into the workforce and raising kids alone. 65 00:03:34,040 --> 00:03:37,560 Speaker 3: Oh my god, what is it like having a house raided. 66 00:03:37,920 --> 00:03:39,000 Speaker 2: It's not nice. 67 00:03:39,080 --> 00:03:41,800 Speaker 3: I can't imagine it being nice. It's not the number 68 00:03:41,840 --> 00:03:45,279 Speaker 3: one word that I would have used confronting, terrifying. 69 00:03:45,480 --> 00:03:48,040 Speaker 2: Maybe I wouldn't recommend it for anyone. 70 00:03:47,840 --> 00:03:49,360 Speaker 3: One out of ten. Can't recommend it. 71 00:03:49,400 --> 00:03:50,400 Speaker 2: Yeah, no, cannot. 72 00:03:50,640 --> 00:03:54,440 Speaker 4: I would say it's scary, Like even thinking about it now, 73 00:03:54,480 --> 00:03:57,520 Speaker 4: I still get a bit icky thinking about it all 74 00:03:57,560 --> 00:04:01,200 Speaker 4: these years later, and it's like, well, they treated us 75 00:04:01,200 --> 00:04:03,480 Speaker 4: like we were criminals, even though we were like little 76 00:04:03,560 --> 00:04:06,040 Speaker 4: kids and didn't know anything that was going on. 77 00:04:06,720 --> 00:04:08,800 Speaker 2: And yeah, they just make a whole lot of mess 78 00:04:09,200 --> 00:04:09,760 Speaker 2: and leave it. 79 00:04:09,880 --> 00:04:12,200 Speaker 3: And then what happens, what happens when they leave, like 80 00:04:12,280 --> 00:04:14,480 Speaker 3: you clean it up or you're not allowed to be there, or. 81 00:04:14,640 --> 00:04:17,120 Speaker 4: Yeah, we just had to clean up the mess. And 82 00:04:17,279 --> 00:04:22,440 Speaker 4: whatever they took, they took. They seized a lot of assets, cars, houses, 83 00:04:23,040 --> 00:04:26,400 Speaker 4: like all of that, and yeah, we're just clean up 84 00:04:26,400 --> 00:04:28,720 Speaker 4: the mess after it actually happened more. 85 00:04:28,640 --> 00:04:31,080 Speaker 3: Than once, so more than once. 86 00:04:31,480 --> 00:04:34,400 Speaker 2: Yeah, I've been woken up a few times by the boys. 87 00:04:34,440 --> 00:04:36,640 Speaker 3: Oh my gosh. So you're like, oh, wow, that's a 88 00:04:36,680 --> 00:04:39,200 Speaker 3: five am knock on the door. Must be the coppers. 89 00:04:39,320 --> 00:04:41,960 Speaker 2: Yeah, not ideal. So wouldn't recommend. 90 00:04:41,600 --> 00:04:44,080 Speaker 3: Oh my gosh, No, that is literally the worst. And 91 00:04:44,120 --> 00:04:46,840 Speaker 3: obviously you had no idea about what was going on, 92 00:04:47,200 --> 00:04:50,000 Speaker 3: what was going on in the background. Obviously your dad 93 00:04:50,000 --> 00:04:50,320 Speaker 3: did knew. 94 00:04:50,560 --> 00:04:53,560 Speaker 4: Yeah, so my dad had a side hustle and he 95 00:04:53,680 --> 00:04:56,000 Speaker 4: was just manufacturing drugs. 96 00:04:56,080 --> 00:04:57,679 Speaker 3: Really just a side hustle. 97 00:04:57,800 --> 00:04:59,760 Speaker 2: Well, that's we call it. He had his normal business. 98 00:05:00,000 --> 00:05:03,000 Speaker 3: Some of us go on dogwalks, some of us take 99 00:05:03,040 --> 00:05:06,520 Speaker 3: our babysitting. Some of us Swedish manufactured drugs. One of 100 00:05:06,560 --> 00:05:08,520 Speaker 3: these things will get your house rated. 101 00:05:08,920 --> 00:05:11,680 Speaker 4: It'll get your head fast, but then it'll take you 102 00:05:11,720 --> 00:05:12,719 Speaker 4: real far back, real quick. 103 00:05:12,880 --> 00:05:16,240 Speaker 3: Yeah obviously, Oh my gosh, well that makes sense. Then 104 00:05:16,360 --> 00:05:18,320 Speaker 3: if the house got raided, I was like, oh, well, 105 00:05:18,360 --> 00:05:20,440 Speaker 3: where does this come from? Because it's not you know, 106 00:05:20,560 --> 00:05:23,800 Speaker 3: his dog walking business gone awrye, that's not how these 107 00:05:23,839 --> 00:05:26,719 Speaker 3: things work. But talk to me a little bit more 108 00:05:26,839 --> 00:05:29,479 Speaker 3: about I guess what happened with your mum, because that 109 00:05:29,520 --> 00:05:31,919 Speaker 3: would have been heartbreaking if she had an absolutely no 110 00:05:32,040 --> 00:05:34,600 Speaker 3: idea to then have to learn how to budget and 111 00:05:34,640 --> 00:05:37,160 Speaker 3: cash flow and deal with you and your siblings, and 112 00:05:37,200 --> 00:05:40,600 Speaker 3: obviously as a teenager, like teenagers suck to deal with already, 113 00:05:40,920 --> 00:05:43,839 Speaker 3: imagine a teenager going through that circumstance, Like I just 114 00:05:44,600 --> 00:05:46,640 Speaker 3: I really feel like she might have had a bit 115 00:05:46,640 --> 00:05:48,839 Speaker 3: of a hard time throughout this process. 116 00:05:49,240 --> 00:05:55,360 Speaker 4: Yeah, So it was a huge shock and confronting for her. Obviously, 117 00:05:55,760 --> 00:05:58,919 Speaker 4: and it took a long time for her to find 118 00:05:58,920 --> 00:06:02,800 Speaker 4: her feet. So I guess it's like imagine having your 119 00:06:02,800 --> 00:06:07,200 Speaker 4: lifelong partner just taken away from you, the person that 120 00:06:07,880 --> 00:06:11,320 Speaker 4: kind of always relied on, and having not have worked 121 00:06:11,440 --> 00:06:13,840 Speaker 4: for a long time, and then now having to go 122 00:06:13,920 --> 00:06:16,680 Speaker 4: back through that. So at first it was kind of 123 00:06:16,760 --> 00:06:20,040 Speaker 4: like stick your head in the sand, and all our 124 00:06:20,080 --> 00:06:24,120 Speaker 4: money went obviously towards solicitor bills and everything like that, 125 00:06:24,800 --> 00:06:29,000 Speaker 4: and then eventually it got pretty bad, to the point 126 00:06:29,040 --> 00:06:33,120 Speaker 4: where the mortgage wasn't being paid and like everything was 127 00:06:33,160 --> 00:06:37,680 Speaker 4: in arrears. So actually, when I was in my early twenties, 128 00:06:37,920 --> 00:06:43,160 Speaker 4: I was asked to put the house in my name, 129 00:06:43,480 --> 00:06:46,680 Speaker 4: to have our mortgage transferred to my name and the 130 00:06:46,760 --> 00:06:50,400 Speaker 4: debt essentially, and it was sold to me like it 131 00:06:50,480 --> 00:06:51,680 Speaker 4: was going to be so good for me. 132 00:06:52,520 --> 00:06:54,839 Speaker 2: So I did it to save the family home. 133 00:06:55,560 --> 00:06:59,239 Speaker 4: And that was like the worst thing, the worst decision 134 00:06:59,279 --> 00:06:59,919 Speaker 4: I've ever made. 135 00:07:00,480 --> 00:07:03,360 Speaker 3: Why was that the worst decision you've ever made? What happened? 136 00:07:03,560 --> 00:07:06,760 Speaker 4: Well, because now it's like I don't have control, so 137 00:07:06,760 --> 00:07:09,279 Speaker 4: there's a caveat that, Like my mum and dad still 138 00:07:09,320 --> 00:07:13,600 Speaker 4: own it, and so I'm essentially I have their debt 139 00:07:13,760 --> 00:07:14,120 Speaker 4: on my. 140 00:07:14,200 --> 00:07:17,040 Speaker 2: Name and everything, like I can't really. 141 00:07:16,840 --> 00:07:19,800 Speaker 4: Move forward, like unless it gets sold, so like I 142 00:07:19,800 --> 00:07:23,400 Speaker 4: can never get a first home buyer grants or anything 143 00:07:23,520 --> 00:07:25,520 Speaker 4: like that. And now that I'm married, it's like a 144 00:07:25,560 --> 00:07:28,440 Speaker 4: whole thing, like me and my husband can't get that 145 00:07:29,360 --> 00:07:31,800 Speaker 4: because he has to go do that himself if he 146 00:07:31,840 --> 00:07:33,920 Speaker 4: wants to get their first home buyer Wow. And then 147 00:07:33,920 --> 00:07:36,240 Speaker 4: I'm always behind because I don't technically like I own it, 148 00:07:36,280 --> 00:07:38,600 Speaker 4: but I don't technically own something. 149 00:07:38,800 --> 00:07:41,080 Speaker 3: Yeah, you don't actually get any of the benefits. You 150 00:07:41,200 --> 00:07:42,800 Speaker 3: just have to hold all the debt for them. 151 00:07:42,880 --> 00:07:45,440 Speaker 2: Yeah, I just get the debt in the stress. 152 00:07:45,520 --> 00:07:45,760 Speaker 1: Yeah. 153 00:07:45,800 --> 00:07:49,360 Speaker 3: Great, that's a really good money outcome. What is the 154 00:07:49,360 --> 00:07:52,320 Speaker 3: benefit to them for having their debt in your name 155 00:07:52,560 --> 00:07:55,680 Speaker 3: apart from the fact that obviously, you know, the debt 156 00:07:55,760 --> 00:07:58,440 Speaker 3: isn't lauding over them. Was it because they legally couldn't 157 00:07:58,480 --> 00:08:00,560 Speaker 3: have it anymore? Or what there? 158 00:08:00,680 --> 00:08:03,640 Speaker 4: Yeah, so because the house was going to be repossessed 159 00:08:03,960 --> 00:08:06,840 Speaker 4: and taken essentially taken off them because the mortgage wasn't 160 00:08:06,880 --> 00:08:10,840 Speaker 4: getting paid, it's just kept the house within the family. 161 00:08:10,960 --> 00:08:12,320 Speaker 2: Yeah, which who cares? 162 00:08:12,320 --> 00:08:14,280 Speaker 4: Why don't you just sell it and get a new one. 163 00:08:14,320 --> 00:08:17,880 Speaker 4: But that's that kind of generations holding onto the things 164 00:08:17,880 --> 00:08:20,000 Speaker 4: that they put their bloods, fed and tears into. 165 00:08:20,760 --> 00:08:22,720 Speaker 2: So yeah, that's the benefit. 166 00:08:22,800 --> 00:08:26,200 Speaker 4: And then like eventually they want to be able to 167 00:08:26,480 --> 00:08:31,040 Speaker 4: buy it back, but the credit history isn't the best, 168 00:08:31,040 --> 00:08:33,000 Speaker 4: and then they obviously have to prove servicing and all 169 00:08:33,000 --> 00:08:35,760 Speaker 4: that kind of stuff, like they pay it, they pay 170 00:08:36,240 --> 00:08:38,920 Speaker 4: the mortgage. But yeah, it's like all of that, it 171 00:08:39,160 --> 00:08:41,240 Speaker 4: kept it their house. That's the only benefit. 172 00:08:41,360 --> 00:08:45,120 Speaker 3: Interesting. I am again super pervy because this is an 173 00:08:45,120 --> 00:08:47,839 Speaker 3: anonymous money diary, so like I'm here to ask all 174 00:08:47,840 --> 00:08:50,240 Speaker 3: the questions. You said. They so your mum and dad 175 00:08:50,320 --> 00:08:53,760 Speaker 3: still together after all of this, Yes, yeah, oh my gosh, 176 00:08:53,800 --> 00:08:57,640 Speaker 3: what a journey for them to go through. But do 177 00:08:57,640 --> 00:09:00,240 Speaker 3: you know what I'm really impressed. Yeah, if I found 178 00:09:00,240 --> 00:09:03,480 Speaker 3: out that my husband had a side hustle of producing 179 00:09:03,559 --> 00:09:06,120 Speaker 3: drugs and had to go to jail for fourteen years 180 00:09:06,160 --> 00:09:09,120 Speaker 3: and I was dumped with the kids, you best believe 181 00:09:09,240 --> 00:09:11,079 Speaker 3: that that wouldn't be the best outcome for him. 182 00:09:11,280 --> 00:09:13,319 Speaker 4: I said, that's my husband so many times, and I 183 00:09:13,559 --> 00:09:15,920 Speaker 4: just said, you know, if you go to jail, I'm 184 00:09:15,960 --> 00:09:17,200 Speaker 4: not sticking by yourself. 185 00:09:18,720 --> 00:09:21,720 Speaker 3: You're like, I have seen this firsthand and here's the outcome. 186 00:09:21,720 --> 00:09:23,720 Speaker 3: I'm just giving it to you straight, would not recommend. 187 00:09:23,800 --> 00:09:26,200 Speaker 2: I'm not visiting you in jail for every week for 188 00:09:26,559 --> 00:09:27,240 Speaker 2: fourteen years. 189 00:09:27,280 --> 00:09:31,080 Speaker 3: Like hell no, kudos to your mum though, that is apa. Yeah, 190 00:09:31,120 --> 00:09:33,440 Speaker 3: all right, I want to talk a bit more about you. Now, 191 00:09:33,559 --> 00:09:35,640 Speaker 3: what do you currently do for work? How much money 192 00:09:35,640 --> 00:09:36,120 Speaker 3: do you earn? 193 00:09:36,360 --> 00:09:40,520 Speaker 4: So currently I'm in business development and I have an 194 00:09:40,600 --> 00:09:42,160 Speaker 4: online coaching business as. 195 00:09:42,080 --> 00:09:42,880 Speaker 2: A side hustle. 196 00:09:43,000 --> 00:09:43,800 Speaker 3: Oh, very cool. 197 00:09:43,920 --> 00:09:46,880 Speaker 4: So for my full time role, I earn one hundred 198 00:09:46,920 --> 00:09:49,000 Speaker 4: and ten thousand before. 199 00:09:48,720 --> 00:09:50,200 Speaker 3: Super Oh very nice. 200 00:09:50,520 --> 00:09:55,480 Speaker 4: Yeah, and my side hustle I make between like ten 201 00:09:55,600 --> 00:09:58,920 Speaker 4: to thirty thousand a year, depending how much time and 202 00:09:58,960 --> 00:10:00,000 Speaker 4: effort I put into it. 203 00:10:00,480 --> 00:10:03,200 Speaker 3: Wow, what kind of coaching business is that? 204 00:10:03,280 --> 00:10:04,080 Speaker 2: I'm an online PT? 205 00:10:04,400 --> 00:10:07,439 Speaker 3: Yeah? Very cool? And how did you start that? How 206 00:10:07,440 --> 00:10:09,240 Speaker 3: do you promote that? That's very fun? 207 00:10:09,520 --> 00:10:11,400 Speaker 4: Well I started, I became a PT and then did 208 00:10:11,559 --> 00:10:15,200 Speaker 4: a whole bunch of extra courses on top of the 209 00:10:15,200 --> 00:10:17,720 Speaker 4: personal training course because that really doesn't teach you anything. 210 00:10:18,480 --> 00:10:21,679 Speaker 4: And then yeah, and then when I moved, I've decided 211 00:10:21,720 --> 00:10:25,160 Speaker 4: I wanted to like move on to online. I decided 212 00:10:25,200 --> 00:10:27,720 Speaker 4: that because other than the time factor, you get so 213 00:10:27,800 --> 00:10:29,679 Speaker 4: much more bang for your buck if you have an 214 00:10:29,720 --> 00:10:32,600 Speaker 4: online coach rather than an in person coach. In an 215 00:10:32,640 --> 00:10:34,840 Speaker 4: in person coach, you pay like one hundred dollars and 216 00:10:34,880 --> 00:10:36,600 Speaker 4: you see them for forty five minutes a week and 217 00:10:36,640 --> 00:10:39,400 Speaker 4: they just run you through a workout, whereas being an 218 00:10:39,480 --> 00:10:42,160 Speaker 4: online coach, I could give my clients like a full 219 00:10:42,200 --> 00:10:47,520 Speaker 4: program with like all of the exercises, their nutrition outlines, 220 00:10:47,760 --> 00:10:50,839 Speaker 4: everything like that, and then they do video check ins 221 00:10:51,040 --> 00:10:54,480 Speaker 4: and weekly check ins where I monitor what's going on 222 00:10:54,559 --> 00:10:57,160 Speaker 4: with their body. So it's just a whole Like I 223 00:10:57,200 --> 00:10:59,839 Speaker 4: would never just go to an imperson coach if I could, 224 00:11:00,040 --> 00:11:03,240 Speaker 4: because it gets so much more value with an online one. 225 00:11:03,360 --> 00:11:06,199 Speaker 3: Yeah, makes sense, all right. I want to know what 226 00:11:06,280 --> 00:11:09,240 Speaker 3: is currently your big money goal? What are you working towards? 227 00:11:09,440 --> 00:11:14,559 Speaker 4: So it was until recently our wedding. So we managed 228 00:11:14,600 --> 00:11:17,360 Speaker 4: to obviously pay up in cash. 229 00:11:17,440 --> 00:11:19,440 Speaker 3: How recent was that? When did you get married? 230 00:11:19,600 --> 00:11:20,760 Speaker 2: It was late last year? 231 00:11:20,840 --> 00:11:23,520 Speaker 3: Oh my gosh, so exciting. Congratulations thanks you. 232 00:11:23,559 --> 00:11:24,839 Speaker 2: Congratulations to you too. 233 00:11:24,920 --> 00:11:26,840 Speaker 3: Oh I love it. Tell me a bit more about 234 00:11:26,880 --> 00:11:28,839 Speaker 3: your wedding. How did you budget for it? How did 235 00:11:28,840 --> 00:11:30,640 Speaker 3: you work out how much you were going to spend? 236 00:11:30,960 --> 00:11:33,520 Speaker 4: Well, as you know, you think one thing and then 237 00:11:33,520 --> 00:11:36,520 Speaker 4: you go into it and it's a whole different ballgame. 238 00:11:37,000 --> 00:11:38,719 Speaker 2: It's a shock of your lifetime. 239 00:11:39,120 --> 00:11:40,880 Speaker 4: And even though I had known, like in my head, 240 00:11:40,920 --> 00:11:43,280 Speaker 4: I've always said to people, like, weddings are so expensive. 241 00:11:43,320 --> 00:11:45,520 Speaker 4: I know they are, and I used to hear people 242 00:11:45,679 --> 00:11:47,800 Speaker 4: be like, oh, I would never spend more than twenty 243 00:11:47,880 --> 00:11:51,319 Speaker 4: thousand dollars on a wedding, And now, like even before 244 00:11:51,800 --> 00:11:54,439 Speaker 4: I got engaged, I was like, that's not realistic unless 245 00:11:54,440 --> 00:11:56,520 Speaker 4: you're having a backyard or like really small wedding. 246 00:11:56,600 --> 00:11:59,199 Speaker 2: And I never wanted that. My husband didn't want that. 247 00:12:00,080 --> 00:12:03,280 Speaker 4: We went into it thinking, can know, forty five thousand, 248 00:12:03,320 --> 00:12:06,360 Speaker 4: that's like, all right, that's a good sum. But we 249 00:12:06,520 --> 00:12:09,760 Speaker 4: decided we would choose the top things that we wanted 250 00:12:09,760 --> 00:12:15,920 Speaker 4: to spend money on. So like it was like photography, videography, food, entertainment, venue, 251 00:12:16,440 --> 00:12:20,680 Speaker 4: and then everything else. I was like budget mode, like wild, 252 00:12:21,280 --> 00:12:24,959 Speaker 4: but it's still just like there's so many, so many 253 00:12:25,000 --> 00:12:25,880 Speaker 4: things that add up. 254 00:12:25,920 --> 00:12:27,960 Speaker 2: So it was very quickly we're like, forty five. 255 00:12:27,840 --> 00:12:30,040 Speaker 4: Thousand, it's not going to cut it, and then we're left, 256 00:12:30,360 --> 00:12:33,880 Speaker 4: sixty five thousand is not going to cut it. No, 257 00:12:34,920 --> 00:12:37,560 Speaker 4: So I think it was it was around eighty thousand 258 00:12:37,600 --> 00:12:40,559 Speaker 4: dollars in the end, but it was perfect, like I 259 00:12:40,600 --> 00:12:44,360 Speaker 4: wouldn't change a thing, And that was me like being 260 00:12:44,559 --> 00:12:48,400 Speaker 4: so like, I'm so good with getting the cheapest steel. 261 00:12:48,559 --> 00:12:51,520 Speaker 3: I can completely sympathize. Our budget went from one thing 262 00:12:51,559 --> 00:12:54,800 Speaker 3: to a completely different thing. And while we weren't I 263 00:12:54,840 --> 00:12:56,600 Speaker 3: don't know how you feel about this, but we weren't 264 00:12:56,640 --> 00:12:58,400 Speaker 3: mad about it because we knew we were getting what 265 00:12:58,440 --> 00:13:01,800 Speaker 3: we wanted. And once we, you know, started talking about 266 00:13:01,840 --> 00:13:04,280 Speaker 3: the budgets and what it would cost and the vendors, 267 00:13:04,320 --> 00:13:06,520 Speaker 3: you go, Okay, I can see why this costs. This 268 00:13:06,960 --> 00:13:09,560 Speaker 3: we will pay for it. But I was still a 269 00:13:09,559 --> 00:13:11,880 Speaker 3: bit salty. What was the number one thing that the 270 00:13:11,960 --> 00:13:13,160 Speaker 3: price of it shocked you? 271 00:13:13,360 --> 00:13:14,160 Speaker 2: Florals? 272 00:13:14,800 --> 00:13:20,720 Speaker 3: Yes, Sam, Yes, flors It was wild. I was like, what, 273 00:13:21,240 --> 00:13:24,240 Speaker 3: I did not believe that florals cost. And I get it, 274 00:13:24,240 --> 00:13:25,839 Speaker 3: it's a lot of time, a lot of energy, a 275 00:13:25,880 --> 00:13:30,319 Speaker 3: lot of effort. These things are expensive. But I genuinely believed. 276 00:13:30,360 --> 00:13:32,280 Speaker 3: I was like, this will be our budget. That is 277 00:13:32,360 --> 00:13:33,880 Speaker 3: so much money for flowers? 278 00:13:34,400 --> 00:13:37,400 Speaker 2: Double it, yeah, double it, triple it. It was wild. 279 00:13:37,640 --> 00:13:38,160 Speaker 2: Oh no. 280 00:13:38,559 --> 00:13:41,520 Speaker 4: And then because obviously all the floods that happened last year, 281 00:13:42,000 --> 00:13:44,960 Speaker 4: the florals went up more because it was harder to 282 00:13:45,000 --> 00:13:47,760 Speaker 4: get them. And then, yeah, and I don't do things small. 283 00:13:48,640 --> 00:13:50,400 Speaker 2: I was like, I don't just have no Florence. 284 00:13:51,200 --> 00:13:53,840 Speaker 3: No, that's fair. No, I totally get that. And once 285 00:13:53,840 --> 00:13:55,600 Speaker 3: you've gone that far, you're like, I haven't come this 286 00:13:55,640 --> 00:13:57,680 Speaker 3: far to only come this far. Yeah, and it's a 287 00:13:57,720 --> 00:14:00,480 Speaker 3: really negative mindset, like that is not a good thing. 288 00:14:00,559 --> 00:14:03,720 Speaker 3: But at the same time, I can completely sympathize with 289 00:14:03,800 --> 00:14:05,520 Speaker 3: brides who are like no, Like it was a week 290 00:14:05,559 --> 00:14:07,480 Speaker 3: before the wedding and I decided to spend X on this, 291 00:14:07,559 --> 00:14:08,840 Speaker 3: and I'm like, you know what, I get it now, 292 00:14:08,920 --> 00:14:11,920 Speaker 3: I really do. Whereas before, having not planned a wedding, 293 00:14:11,960 --> 00:14:13,440 Speaker 3: I'd be like, well, why can't you just be a 294 00:14:13,440 --> 00:14:16,000 Speaker 3: bit more conscious about your spending. And now I've done it, 295 00:14:16,040 --> 00:14:18,160 Speaker 3: I'm like, now, no no judgment ever here. 296 00:14:18,360 --> 00:14:21,080 Speaker 4: Yeah. And my husband kept saying like, cry once about 297 00:14:21,080 --> 00:14:23,360 Speaker 4: the price, and will have the wedding of our dreams 298 00:14:23,480 --> 00:14:26,320 Speaker 4: or you're going to regret cutting it, And I was 299 00:14:26,360 --> 00:14:28,960 Speaker 4: like okay, and I'm like I had this picture of 300 00:14:29,000 --> 00:14:31,280 Speaker 4: exactly what I wanted and he was the one like, 301 00:14:31,680 --> 00:14:34,120 Speaker 4: cry once, and we'll pay for it, Like it's fine. 302 00:14:34,480 --> 00:14:37,640 Speaker 3: Okay. So I thought my husband would be really budget 303 00:14:37,760 --> 00:14:40,440 Speaker 3: about things and not see the value. And he was 304 00:14:40,440 --> 00:14:41,840 Speaker 3: the one that was like, but what about we add 305 00:14:41,880 --> 00:14:43,240 Speaker 3: this and what about this? And I'd be like, do 306 00:14:43,320 --> 00:14:46,440 Speaker 3: you realize how much these things cost? Steven? Do you 307 00:14:46,520 --> 00:14:47,200 Speaker 3: not realize? 308 00:14:47,680 --> 00:14:48,160 Speaker 4: Yeah? 309 00:14:48,280 --> 00:14:49,240 Speaker 2: Yeah, it's wild. 310 00:14:49,320 --> 00:14:52,520 Speaker 3: So it's surprising how involved the partner gets. Even though 311 00:14:52,680 --> 00:14:54,480 Speaker 3: I thought that I would be planning one hundred percent 312 00:14:54,480 --> 00:14:55,760 Speaker 3: of it, wasn't the case. Yeah. 313 00:14:55,880 --> 00:14:58,800 Speaker 2: No, my husband, I did everything, but he did have 314 00:14:58,880 --> 00:15:03,040 Speaker 2: like decisions. I'm the doer. He just follows a lot. 315 00:15:03,320 --> 00:15:03,640 Speaker 3: Fair. 316 00:15:04,240 --> 00:15:06,000 Speaker 4: He complained that he had to write a speech because 317 00:15:06,000 --> 00:15:07,520 Speaker 4: he's like I thought I just had to show up. 318 00:15:07,760 --> 00:15:11,560 Speaker 3: I was like, no, oh, no, sir, no, but he 319 00:15:11,600 --> 00:15:14,320 Speaker 3: did a great job. Yeah. Good. So, and now you're 320 00:15:14,360 --> 00:15:17,080 Speaker 3: off on a honeymoon. How did you decide when to 321 00:15:17,160 --> 00:15:19,840 Speaker 3: do that, because obviously that's a couple of months after 322 00:15:19,880 --> 00:15:22,520 Speaker 3: getting married. Was that strategic or purposeful? 323 00:15:22,680 --> 00:15:26,320 Speaker 4: It was because our wedding was so expensive, so we 324 00:15:26,400 --> 00:15:30,000 Speaker 4: needed time to save for the honeymoon. We didn't include 325 00:15:30,080 --> 00:15:33,920 Speaker 4: the honeymoon and our wedding funds. Yeah, so we've saved 326 00:15:34,000 --> 00:15:38,280 Speaker 4: since the wedding are crazy to pay for the honeymoon 327 00:15:38,280 --> 00:15:41,200 Speaker 4: because it's a long, longer honeymoon than the average person. 328 00:15:41,440 --> 00:15:43,880 Speaker 3: That's so exciting though, Yeah, yes. 329 00:15:43,840 --> 00:15:44,680 Speaker 2: So exciting. 330 00:15:44,800 --> 00:15:47,720 Speaker 4: And I had always said I wanted to go here 331 00:15:47,720 --> 00:15:50,600 Speaker 4: for my honeymoon. So I'm doing it, and I'm paying 332 00:15:50,640 --> 00:15:54,360 Speaker 4: for it, and you know, like weddings, travels doubled, so 333 00:15:54,680 --> 00:15:57,040 Speaker 4: everything's dubby as it would have been four years ago. 334 00:15:57,400 --> 00:16:01,200 Speaker 4: But I never regret spending money on experiences. It's just 335 00:16:02,160 --> 00:16:03,200 Speaker 4: being able to say for it. 336 00:16:03,240 --> 00:16:03,600 Speaker 2: Obviously. 337 00:16:03,640 --> 00:16:06,080 Speaker 3: It doesn't make it hurt any less. Though. So when 338 00:16:06,120 --> 00:16:09,080 Speaker 3: you get back from your honeymoon, what is going to 339 00:16:09,080 --> 00:16:10,880 Speaker 3: be your money goal? Returning? 340 00:16:11,080 --> 00:16:14,600 Speaker 4: Returning, We're going to knuckle down and save for a 341 00:16:14,640 --> 00:16:16,000 Speaker 4: deposit to buy a house. 342 00:16:16,160 --> 00:16:19,920 Speaker 3: That's exciting, that's so fun, all these big ticket items 343 00:16:19,960 --> 00:16:22,880 Speaker 3: being ticked off. Let's hold it right there and go 344 00:16:22,920 --> 00:16:23,200 Speaker 3: to a. 345 00:16:23,200 --> 00:16:24,000 Speaker 2: Really quick break. 346 00:16:28,800 --> 00:16:32,560 Speaker 3: I want to know next question, do you have any investments? 347 00:16:32,600 --> 00:16:33,800 Speaker 3: If so, what are they? 348 00:16:34,320 --> 00:16:38,560 Speaker 4: Yes, so I obviously have my super which is at 349 00:16:38,640 --> 00:16:41,320 Speaker 4: about fifty five thousand. 350 00:16:41,080 --> 00:16:42,440 Speaker 2: Dollars from memory. 351 00:16:42,520 --> 00:16:43,360 Speaker 3: That's very good. 352 00:16:43,480 --> 00:16:45,720 Speaker 2: Yeah, I was actually surprised when we're doing our wills 353 00:16:45,720 --> 00:16:46,320 Speaker 2: the other day. 354 00:16:46,840 --> 00:16:49,600 Speaker 3: That's solicitor okay, but like queen behavior, Yes, we do 355 00:16:49,680 --> 00:16:50,240 Speaker 3: wheels here. 356 00:16:50,520 --> 00:16:53,040 Speaker 4: I was like, we need to do our wills, so yeah, 357 00:16:53,080 --> 00:16:54,800 Speaker 4: and that's I was like, wow, I was shocked because 358 00:16:54,800 --> 00:16:56,280 Speaker 4: I swear last time I checked it was. 359 00:16:56,360 --> 00:16:57,080 Speaker 2: Much lower than that. 360 00:16:57,320 --> 00:17:00,680 Speaker 4: And then we have about eight thousand dollar in like 361 00:17:00,760 --> 00:17:04,600 Speaker 4: ETFs and shares and then a few thousand in crypto, 362 00:17:04,680 --> 00:17:08,040 Speaker 4: which I just kind of leave that to ride. 363 00:17:08,280 --> 00:17:11,480 Speaker 3: Very fair, all right. And then debts. Obviously you've got 364 00:17:11,480 --> 00:17:15,320 Speaker 3: this house debt. Do you have any other debts and 365 00:17:15,400 --> 00:17:16,119 Speaker 3: what are they. 366 00:17:16,080 --> 00:17:16,600 Speaker 2: Other than that? 367 00:17:16,760 --> 00:17:20,879 Speaker 4: I currently have fifteen hundred left on a loan that 368 00:17:21,040 --> 00:17:23,760 Speaker 4: is only about eight percent interest, which I will be 369 00:17:23,800 --> 00:17:27,040 Speaker 4: paying off as soon as we get back from our honeymoon. 370 00:17:27,800 --> 00:17:29,360 Speaker 2: And that loan was. 371 00:17:29,960 --> 00:17:34,320 Speaker 4: Over thirty thousand from consolidating all of the credit card debt. 372 00:17:34,440 --> 00:17:37,199 Speaker 3: I was in, Oh my gosh, that's so close, Like 373 00:17:37,280 --> 00:17:39,159 Speaker 3: that is so close to finishing it. What are you 374 00:17:39,200 --> 00:17:40,760 Speaker 3: going to do when you've paid all off? I feel 375 00:17:40,760 --> 00:17:42,800 Speaker 3: like it's always super anti climac diicts. So we've got 376 00:17:42,800 --> 00:17:44,720 Speaker 3: a plan for ourselves to have an exciting time. 377 00:17:44,880 --> 00:17:48,200 Speaker 4: Yes, I don't know, maybe like go out from bougie 378 00:17:48,200 --> 00:17:49,240 Speaker 4: dinner or something. 379 00:17:49,560 --> 00:17:51,919 Speaker 3: Like we did know, or a bottle of champagne or 380 00:17:51,960 --> 00:17:54,560 Speaker 3: something like, there has to be something because when you 381 00:17:54,560 --> 00:17:57,359 Speaker 3: submit your final debt repayment, they're like thank you, and 382 00:17:57,359 --> 00:17:59,679 Speaker 3: then the window closes and you're like, whath that's it. 383 00:18:00,040 --> 00:18:02,960 Speaker 3: There's no like streamers or balloons. No one locks on 384 00:18:03,000 --> 00:18:05,080 Speaker 3: my door and says you're out of debt, Like what 385 00:18:05,280 --> 00:18:05,960 Speaker 3: is this about? 386 00:18:06,080 --> 00:18:06,240 Speaker 4: Yeah? 387 00:18:06,320 --> 00:18:09,040 Speaker 2: Might buy some streamers that you popper and do it. 388 00:18:09,560 --> 00:18:12,240 Speaker 3: Yeah, yeah, one hundred percent. I am totally behind that. 389 00:18:12,320 --> 00:18:14,040 Speaker 3: Please film it and say that to me because I 390 00:18:14,080 --> 00:18:17,520 Speaker 3: get so excited. Money darist. I want to know what 391 00:18:17,640 --> 00:18:19,639 Speaker 3: do you think your best money habit is? 392 00:18:20,040 --> 00:18:24,560 Speaker 4: My best money habit is I can get a bargain anywhere, 393 00:18:24,840 --> 00:18:27,560 Speaker 4: and I make money work for me in every way 394 00:18:27,640 --> 00:18:31,120 Speaker 4: I can. I'm not a stinge, but I'll always look 395 00:18:31,160 --> 00:18:33,360 Speaker 4: for the best steal if the products the same. 396 00:18:33,440 --> 00:18:37,200 Speaker 3: Yeah, airpic and flipping that that's a very good money habit. 397 00:18:37,359 --> 00:18:39,280 Speaker 3: But what is your worst money habit? 398 00:18:39,400 --> 00:18:42,879 Speaker 4: My worst money habit is I would say gift giving. 399 00:18:43,520 --> 00:18:46,199 Speaker 4: Gifts is my love language, and I budget for it, 400 00:18:46,680 --> 00:18:49,640 Speaker 4: but I don't think I budget enough. And because I've 401 00:18:49,800 --> 00:18:52,080 Speaker 4: lived very close to my family and friends, I can't 402 00:18:52,119 --> 00:18:55,360 Speaker 4: just do like kind of free things, so I often 403 00:18:55,520 --> 00:19:00,120 Speaker 4: am sending them things like gifts or flowers or anything 404 00:19:00,160 --> 00:19:02,520 Speaker 4: like that and buy them experiences. 405 00:19:02,560 --> 00:19:04,400 Speaker 2: And that's obviously not very cheap. 406 00:19:04,440 --> 00:19:05,919 Speaker 4: And I always think I'm only going to buy a 407 00:19:05,920 --> 00:19:08,600 Speaker 4: few people, but I just randomly send people gifts to 408 00:19:08,880 --> 00:19:10,440 Speaker 4: them up things like that. 409 00:19:10,760 --> 00:19:14,600 Speaker 3: That's really sweet though that's not the worst. That's so wholesome. 410 00:19:14,800 --> 00:19:15,280 Speaker 1: I love it. 411 00:19:15,400 --> 00:19:17,760 Speaker 4: It's a good thing that I just see being more realistic, 412 00:19:18,000 --> 00:19:19,760 Speaker 4: Like I need a bunch of thousands for that. 413 00:19:20,200 --> 00:19:23,520 Speaker 3: Yeah, Like instead of sending flowers, maybe, like let's switch 414 00:19:23,560 --> 00:19:27,040 Speaker 3: that out. Just a nice note or something occasionally. 415 00:19:26,520 --> 00:19:28,359 Speaker 2: That's true, a nice note. I never think of that. 416 00:19:29,400 --> 00:19:31,600 Speaker 3: But then I always come to writing the nice note 417 00:19:31,600 --> 00:19:33,400 Speaker 3: and I'll be like, the nice note would look really 418 00:19:33,400 --> 00:19:35,200 Speaker 3: good on a bunch of flowers. 419 00:19:34,760 --> 00:19:36,359 Speaker 2: Yeah, or like with the candle or something. 420 00:19:36,480 --> 00:19:38,679 Speaker 3: So I send it, yeah, one hundred percent. And you 421 00:19:38,680 --> 00:19:41,080 Speaker 3: know what always gets me when you do the florest checkout, 422 00:19:41,119 --> 00:19:43,880 Speaker 3: because gifting is my love language too, is the upsell. 423 00:19:43,960 --> 00:19:45,560 Speaker 3: They're like, do you want to add the vase? Do 424 00:19:45,600 --> 00:19:48,200 Speaker 3: you want to add the chocolates or the Teddy Bear 425 00:19:48,320 --> 00:19:50,000 Speaker 3: or the whatever else? And you're like yes, And also 426 00:19:50,040 --> 00:19:52,360 Speaker 3: I want to buy your gift card, even though you're 427 00:19:52,359 --> 00:19:54,240 Speaker 3: going to give me a free one, like I always 428 00:19:54,240 --> 00:19:55,520 Speaker 3: do that too. It's really bad. 429 00:19:55,960 --> 00:19:58,840 Speaker 2: Yeah, and like they even charge you for a card now, yeah. 430 00:19:58,720 --> 00:20:01,440 Speaker 3: What the heck is that. I just believe they should 431 00:20:01,440 --> 00:20:03,680 Speaker 3: be absorbing that into the cost of the flowers. Instead 432 00:20:03,680 --> 00:20:06,119 Speaker 3: of charging his fifty bucks charge me fifty five. I 433 00:20:06,160 --> 00:20:08,280 Speaker 3: won't notice the difference and say that there's a free 434 00:20:08,320 --> 00:20:10,600 Speaker 3: card like that way, I'm paying for it, but I 435 00:20:10,600 --> 00:20:12,080 Speaker 3: don't feel like I'm paying for it. 436 00:20:12,240 --> 00:20:12,960 Speaker 2: Yeah, I agreed. 437 00:20:13,080 --> 00:20:15,239 Speaker 4: I feel like it'd be better for me mentally if 438 00:20:15,280 --> 00:20:17,119 Speaker 4: it's just all one price. 439 00:20:17,280 --> 00:20:20,040 Speaker 3: Yeah, yeah, exactly. None of that helps my budget, but 440 00:20:20,080 --> 00:20:20,840 Speaker 3: it does help. 441 00:20:20,640 --> 00:20:22,840 Speaker 2: Me mentally, yes, mentally. 442 00:20:22,600 --> 00:20:25,880 Speaker 3: Money Doris, obviously you've come a long way, Like going 443 00:20:25,920 --> 00:20:30,320 Speaker 3: through the situation you went through is insane, but unfortunately 444 00:20:30,320 --> 00:20:34,320 Speaker 3: it's not an exclusive experience. This happens unfortunately every day 445 00:20:34,400 --> 00:20:38,800 Speaker 3: to families around Australia. What would you say to baby 446 00:20:38,880 --> 00:20:42,480 Speaker 3: you at fifteen, what would you say to her now 447 00:20:42,640 --> 00:20:45,119 Speaker 3: to say, ah, it's actually going to be okay, because 448 00:20:45,160 --> 00:20:48,160 Speaker 3: I'm assuming you were terrified at the time. 449 00:20:48,400 --> 00:20:48,600 Speaker 2: Yeah. 450 00:20:48,600 --> 00:20:51,560 Speaker 4: I was terrified at the time, especially because I was 451 00:20:51,640 --> 00:20:55,439 Speaker 4: really close with my dad, so that was kind of 452 00:20:55,440 --> 00:20:58,200 Speaker 4: losing him, was like losing my best friend, even though 453 00:20:58,240 --> 00:21:01,360 Speaker 4: he was obviously around in the house anymore. 454 00:21:02,000 --> 00:21:04,200 Speaker 2: I would say, like, this. 455 00:21:04,280 --> 00:21:07,280 Speaker 4: Is probably as horrible as it is, it's probably the 456 00:21:07,320 --> 00:21:09,679 Speaker 4: best thing that's going to ever happen to you, because 457 00:21:10,520 --> 00:21:14,120 Speaker 4: you're going to learn how to be so independent and 458 00:21:14,160 --> 00:21:18,480 Speaker 4: not rely on anyone and just do everything on your 459 00:21:18,520 --> 00:21:20,880 Speaker 4: own and pay for yourself and pay your own way, 460 00:21:20,920 --> 00:21:21,720 Speaker 4: and you're just going to. 461 00:21:23,359 --> 00:21:24,320 Speaker 2: Overcome everything. 462 00:21:24,400 --> 00:21:27,920 Speaker 4: Whereas some of them, my siblings that were older at 463 00:21:27,920 --> 00:21:30,760 Speaker 4: the time, they had been spoon fed to the point 464 00:21:30,800 --> 00:21:33,560 Speaker 4: that when they moved out, their rent was paid and 465 00:21:33,560 --> 00:21:35,960 Speaker 4: they've never come out of that mindset. So for it 466 00:21:36,000 --> 00:21:38,320 Speaker 4: to happen to me when I was younger, I'm so 467 00:21:38,440 --> 00:21:41,600 Speaker 4: glad because, yeah, I've just gone out and done it 468 00:21:41,600 --> 00:21:43,760 Speaker 4: all myself, and I have a thing where I'll always 469 00:21:43,800 --> 00:21:45,760 Speaker 4: own my own money and I don't want anyone to 470 00:21:45,800 --> 00:21:47,879 Speaker 4: ever like have that over me. 471 00:21:48,000 --> 00:21:49,679 Speaker 3: I feel like this is a really good place for 472 00:21:49,760 --> 00:21:52,919 Speaker 3: this conversation to lead because on the surface, like I 473 00:21:52,960 --> 00:21:55,800 Speaker 3: don't mean to generalize, you are a very beautiful blonde 474 00:21:55,800 --> 00:21:59,520 Speaker 3: woman who has just gotten married. You obviously had a 475 00:21:59,640 --> 00:22:03,199 Speaker 3: dream wedding, Like it's stunning, right, And I think that 476 00:22:03,280 --> 00:22:06,200 Speaker 3: if people see this on Instagram or on Facebook or online, 477 00:22:06,200 --> 00:22:08,200 Speaker 3: they must be like, oh, she must be so entitled, 478 00:22:08,359 --> 00:22:10,680 Speaker 3: like you know, her family must be so wealthy because 479 00:22:10,680 --> 00:22:12,960 Speaker 3: a lot of this stuff is hidden, right, people aren't 480 00:22:12,960 --> 00:22:14,880 Speaker 3: going to know the full story of your family because 481 00:22:14,880 --> 00:22:18,360 Speaker 3: it's none of their damn business. Like people would see this, 482 00:22:18,720 --> 00:22:21,560 Speaker 3: but the reality is you did this all yourself. This 483 00:22:21,680 --> 00:22:24,479 Speaker 3: wasn't your family funding your wedding, This wasn't your family 484 00:22:24,560 --> 00:22:28,040 Speaker 3: organizing your honeymoon or setting your financial goals. And you 485 00:22:28,080 --> 00:22:31,280 Speaker 3: won't have that leg up. Do you find that people 486 00:22:31,359 --> 00:22:33,320 Speaker 3: still put you into that bucket of like, oh, she 487 00:22:33,400 --> 00:22:34,720 Speaker 3: must just be really entitled. 488 00:22:34,960 --> 00:22:38,399 Speaker 4: Yes, people look at me and like on any social media, 489 00:22:38,440 --> 00:22:40,960 Speaker 4: but even people that meet me or like me and 490 00:22:41,000 --> 00:22:43,959 Speaker 4: my husband, they think, oh, they've just got it lucky. 491 00:22:44,119 --> 00:22:47,080 Speaker 4: They just earn lots of money, They just this, They 492 00:22:47,160 --> 00:22:50,440 Speaker 4: just that. It's the same with fitness, when people look 493 00:22:50,440 --> 00:22:53,400 Speaker 4: at someone with like a strong muscular body and they're like, oh, 494 00:22:53,400 --> 00:22:55,280 Speaker 4: it must be easy for her, and it's like, well, no, 495 00:22:55,280 --> 00:23:00,159 Speaker 4: we work really hard to get to this point. I 496 00:23:00,200 --> 00:23:04,000 Speaker 4: was in thirty plus thousand dollars of debt, credit card debt, 497 00:23:04,160 --> 00:23:06,159 Speaker 4: and I had to dig myself out of that and 498 00:23:06,200 --> 00:23:08,520 Speaker 4: I never thought I would get out of that, and 499 00:23:08,560 --> 00:23:10,960 Speaker 4: I'm fen hundred dollars away from it, Like. 500 00:23:11,080 --> 00:23:14,440 Speaker 2: We're just so exciting yet so exciting, and they don't 501 00:23:14,480 --> 00:23:15,200 Speaker 2: know your parts. 502 00:23:15,200 --> 00:23:18,320 Speaker 4: And because I don't, like, I don't lead with hey like, yeah, 503 00:23:18,400 --> 00:23:20,680 Speaker 4: this happened to me. I don't actually tell anyone about 504 00:23:20,720 --> 00:23:23,399 Speaker 4: it because I don't want their judgments. I don't want 505 00:23:23,400 --> 00:23:25,959 Speaker 4: them to think of me in a different way. But yeah, like, 506 00:23:26,280 --> 00:23:29,200 Speaker 4: you don't know what's happened in people's lives to get 507 00:23:29,200 --> 00:23:31,919 Speaker 4: them to where they are. Some people yet it's on 508 00:23:31,960 --> 00:23:34,360 Speaker 4: a silver platter, but not really like we could say 509 00:23:34,400 --> 00:23:37,679 Speaker 4: I was privileged because I was, and I'm privileged in 510 00:23:37,680 --> 00:23:39,960 Speaker 4: the fact that I have a loving family who always 511 00:23:40,040 --> 00:23:42,600 Speaker 4: kind of stick by each other's side. But yeah, we 512 00:23:42,640 --> 00:23:45,280 Speaker 4: did have everything taken away from us and did have 513 00:23:45,320 --> 00:23:48,200 Speaker 4: to try and save the day, which hasn't been a 514 00:23:48,240 --> 00:23:51,800 Speaker 4: great idea. And it's taken a while, but slowly come 515 00:23:51,840 --> 00:23:54,400 Speaker 4: to the point where I feel like I'm in control 516 00:23:54,600 --> 00:23:56,680 Speaker 4: of my finances and I'm on top of it and 517 00:23:57,240 --> 00:23:57,919 Speaker 4: it's all on me. 518 00:23:58,160 --> 00:23:59,040 Speaker 2: The buck ends with me. 519 00:23:59,320 --> 00:24:02,600 Speaker 3: Yeah, And I just I find it really interesting because 520 00:24:02,640 --> 00:24:05,040 Speaker 3: I guess the more successful you are the more you 521 00:24:05,080 --> 00:24:07,959 Speaker 3: work towards things, you know, the wedding, the house, you know, 522 00:24:08,160 --> 00:24:11,600 Speaker 3: organizing all of this stuff, I think people just automatically 523 00:24:11,640 --> 00:24:14,680 Speaker 3: start assuming that you must be privileged to achieve these things. 524 00:24:14,960 --> 00:24:17,320 Speaker 3: But it's all about putting your head down and getting 525 00:24:17,359 --> 00:24:19,800 Speaker 3: the work done and organizing it. And I mean, I've 526 00:24:19,800 --> 00:24:22,240 Speaker 3: said it before. If you're in a situation where you 527 00:24:22,280 --> 00:24:24,480 Speaker 3: are in poverty, no budgeting isn't going to get you 528 00:24:24,520 --> 00:24:26,520 Speaker 3: out of that. There are a million other resources that 529 00:24:26,560 --> 00:24:29,879 Speaker 3: you can rely on. But if you see somebody who 530 00:24:30,000 --> 00:24:32,520 Speaker 3: has achieved some things, I think we need to be 531 00:24:32,640 --> 00:24:35,040 Speaker 3: reframing our thoughts and going, well, how did they do that? 532 00:24:35,080 --> 00:24:37,840 Speaker 3: Like if you're interested about it, but also knowing deep 533 00:24:37,840 --> 00:24:40,159 Speaker 3: down it's actually none of your business how they achieved 534 00:24:40,200 --> 00:24:42,960 Speaker 3: that focus on you. If you're not in the position 535 00:24:43,040 --> 00:24:44,679 Speaker 3: you want to be in, what are you doing to 536 00:24:44,760 --> 00:24:46,960 Speaker 3: change that? Instead of looking at someone else and being like, 537 00:24:47,000 --> 00:24:49,119 Speaker 3: oh my gosh, that money, Dirist is so lucky. I 538 00:24:49,119 --> 00:24:51,360 Speaker 3: can't believe they had an eighty thousand dollar wedding. Like 539 00:24:51,520 --> 00:24:53,920 Speaker 3: those are your goals and your values, and I'm so 540 00:24:53,960 --> 00:24:56,960 Speaker 3: bloody glad that you got to achieve them. And I 541 00:24:57,000 --> 00:24:59,520 Speaker 3: think it's a good conversation. So in light of that, 542 00:24:59,560 --> 00:25:03,520 Speaker 3: it sounds you are an actual legend having gone through 543 00:25:03,640 --> 00:25:06,800 Speaker 3: all of the circumstances that you've gone through. You know, 544 00:25:06,920 --> 00:25:10,200 Speaker 3: obviously growing up in that situation would have been really tumultuous. 545 00:25:10,359 --> 00:25:13,080 Speaker 3: You told Anna Lisa, our producer before we interviewed you, 546 00:25:13,080 --> 00:25:16,320 Speaker 3: that you actually moved out at sixteen as well, which 547 00:25:16,680 --> 00:25:19,040 Speaker 3: is only going to add to all of that stress. 548 00:25:19,160 --> 00:25:21,320 Speaker 3: But now you're a business development manager and you make 549 00:25:21,480 --> 00:25:24,840 Speaker 3: six figures and you're killing it. Your super's looking really sexy. 550 00:25:24,880 --> 00:25:27,400 Speaker 3: You have an online side hustle. You just paid off 551 00:25:27,440 --> 00:25:30,240 Speaker 3: your wedding in cash, which was eighty grand. You got 552 00:25:30,240 --> 00:25:33,040 Speaker 3: fifty five thousand dollars in souper. You're only fifteen hundred 553 00:25:33,080 --> 00:25:35,520 Speaker 3: dollars away from being out of debt completely when it 554 00:25:35,560 --> 00:25:38,159 Speaker 3: comes to personal debt. Do you really think you're a 555 00:25:38,160 --> 00:25:38,800 Speaker 3: B plus? 556 00:25:38,960 --> 00:25:42,359 Speaker 4: Come on, yes, I do think I'm a B plus right, 557 00:25:42,480 --> 00:25:44,000 Speaker 4: all of it I've been. 558 00:25:43,920 --> 00:25:44,879 Speaker 2: I could do more like. 559 00:25:44,920 --> 00:25:47,480 Speaker 4: I just want more and chairs and will consistently be 560 00:25:47,800 --> 00:25:48,600 Speaker 4: investing in them. 561 00:25:49,000 --> 00:25:49,760 Speaker 2: That's the only thing. 562 00:25:49,800 --> 00:25:51,680 Speaker 3: All right, Well, I will let you have that because 563 00:25:51,720 --> 00:25:53,800 Speaker 3: I still think B plus is a pretty good grade. 564 00:25:53,880 --> 00:25:55,639 Speaker 3: But oh my gosh, you are doing so well, and 565 00:25:55,680 --> 00:25:58,160 Speaker 3: I'm so proud of you, and it's just so interesting 566 00:25:58,160 --> 00:26:00,280 Speaker 3: and a little bit pervy to hear from someone who's 567 00:26:00,320 --> 00:26:03,280 Speaker 3: been through a circumstance like that, So I'm really grateful 568 00:26:03,280 --> 00:26:04,879 Speaker 3: that you shared it. So thank you for coming on 569 00:26:04,920 --> 00:26:07,120 Speaker 3: the show Money Drest. It has been a pleasure. 570 00:26:07,480 --> 00:26:08,959 Speaker 2: Thank you very much, Thanks for having me. 571 00:26:09,040 --> 00:26:11,359 Speaker 3: All Right, guys, that is all we have time for today. 572 00:26:11,400 --> 00:26:21,199 Speaker 3: We will see you on Wednesday. The advice shared on 573 00:26:21,320 --> 00:26:23,760 Speaker 3: She's on the Money is general in nature and does 574 00:26:23,800 --> 00:26:27,800 Speaker 3: not consider your individual circumstances. She's on the Money exists 575 00:26:27,920 --> 00:26:31,120 Speaker 3: purely for educational purposes and should not be relied upon 576 00:26:31,200 --> 00:26:34,239 Speaker 3: to make an investment or financial decision. If you do 577 00:26:34,359 --> 00:26:37,360 Speaker 3: choose to buy a financial product, read the PDS TMD 578 00:26:37,520 --> 00:26:40,919 Speaker 3: and obtain appropriate financial advice tailored towards your needs. 579 00:26:41,280 --> 00:26:45,200 Speaker 5: Victoria Divine and She's on the Money are authorized representatives 580 00:26:45,240 --> 00:26:49,119 Speaker 5: of Money Shova Pty Ltd ABN three two one IS 581 00:26:49,160 --> 00:26:53,000 Speaker 5: six four nine two seven seven zero eight AFSL four 582 00:26:53,119 --> 00:27:01,040 Speaker 5: five one two eight nine. 583 00:27:00,040 --> 00:27:02,160 Speaker 4: The same would say