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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or

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Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. 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 makes personal finance fun, especially on Fridays. It's our

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Speaker 2: favorite day of the week because we get to get

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Speaker 2: our team together and then we celebrate you our incredible

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Speaker 2: She's on the Money community. Miss jessic Ricci as always

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Speaker 2: is here sharing our favorite money wins. Miss Becks say

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Speaker 2: Ed is sharing her broke tips, and we're going to

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Speaker 2: be helping to answer a money dilemma, which this week

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Speaker 2: is about whether you should buy a house or invest

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Speaker 2: and something that you slid into our dms about whether

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Speaker 2: it's worth uprooting your family for a job that might

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Speaker 2: be temporary. But before we get there, my love's mid June.

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Speaker 2: How are we a little bit of a weather check in?

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Speaker 2: I suppose sads.

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Speaker 4: Are real trying to find anything exciting to look forward

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Speaker 4: to you. Actually, I have a question I need the

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Speaker 4: people to answer for me. Does anybody or is this

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Speaker 4: It's open to the room, but I don't think either

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Speaker 4: of you have done it, so I'm opening it to

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Speaker 4: the people of the listeners. Okay, we've recommended. I'm pretty

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Speaker 4: sure today ticks that app. I'm trying to find joy.

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Speaker 4: I really want to go see a musical, but musical's

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Speaker 4: very expensive, so I've been trying to do Jackson Michael Jackson.

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Speaker 2: Michael Jackson's musical. No, Okay, I know I wouldn't have

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Speaker 2: Wait did that come from? She wants to see Wicked Girl.

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Speaker 4: I want to see Beetle Juice, and I want to

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Speaker 4: see Hadestown at the two at the moment that I

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Speaker 4: really want to see. Okay, anyway, you can get like

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Speaker 4: really cheat tickets on this thing. They go on sale

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Speaker 4: at nine am every morning at nine am. I'm on

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Speaker 4: this app like I want this app from eight to

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Speaker 4: fifty five refreshing, like waiting for the button to turn

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Speaker 4: so you can like buy the tickets right and I

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Speaker 4: hit it the second my clock hits nine o'clock and

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Speaker 4: it says all the tickets are gone, and I just

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Speaker 4: need to know an idiot or it's like I don't

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Speaker 4: know if it's pre loading, so I don't know it.

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Speaker 4: Has anyone ever had any success with the app? Is

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Speaker 4: what I want to know, because I'm desperate for like

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Speaker 4: fifty five dollar tickets.

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Speaker 5: But is it a EDT or whatever it is whatever in.

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Speaker 4: E because it's like a countdown, which is quite good,

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Speaker 4: like I appreciate It's like everyone.

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Speaker 2: I hate a countdown, unnecessary morning anxiety.

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Speaker 4: That's actually a great point, but it's it's kind of like, well,

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Speaker 4: I know that I haven't missed it because I get

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Speaker 4: a notification at like quarter two. I think that says

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Speaker 4: all the tickets go on sale soon. And then like

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Speaker 4: you can't click the button till it like ticks over,

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Speaker 4: which I like, but in a second, but everybody else is.

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Speaker 2: Clicking it faster than you.

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Speaker 4: I feel like I have the fastest fingers in the West. Still,

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Speaker 4: I'm like bang, still God, do.

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Speaker 2: You people are using like bots? Do you remember back

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Speaker 2: in the day people would talk about like eBay bots. Yeah,

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Speaker 2: that would like do the beadting at the very last minute,

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Speaker 2: and like that's how I used to lose Onmbardo jeans

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Speaker 2: and stuff back in two thou. Yes, I don't know.

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Speaker 4: I just was very I was like, what am I

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Speaker 4: doing wrong? So if anyone's ever know what you're doing wrong?

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Speaker 4: Manage it? Please let me know if you to try

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Speaker 4: for you? Yeah, thank you, send us the link because

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Speaker 4: everyone on at nine am every morning, we're yeah, yeah, genuinely.

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Speaker 2: Think so if any of you work for the PR

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Speaker 2: company that does Beetle juice, be just like slide into

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Speaker 2: our dms, because I have a sneaky suspicion just might

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Speaker 2: even work for free.

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Speaker 5: What did you say, just has it locked into everything?

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Speaker 5: As just locked into everything? I said, No, I can

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Speaker 5: get you Bettle juice tickets.

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Speaker 2: We're giving them away work. I didn't realize you wanted

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Speaker 2: I'll post, I'll tag I don't come with me.

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Speaker 4: Should we go to be a fun team thing?

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Speaker 2: I just can't imagine anything worse.

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Speaker 5: I think people love it musical in general.

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Speaker 2: I thought you meant hanging out with us outside.

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Speaker 5: That's just obviously that too. But like musical, I don't

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Speaker 5: know what Beagle Juice is. I just like, but really

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Speaker 5: musical before.

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Speaker 2: That's so nice. I've been to a musical.

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Speaker 5: I just I just not I just want to know

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Speaker 5: what they're saying. But they're just singing the whole titles

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Speaker 5: the whole time.

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Speaker 4: No, unless it's Hamilton, but most of the time it's

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Speaker 4: just like burths of song in between.

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Speaker 2: The wh saw Hamilton together.

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Speaker 4: You didn't love it.

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Speaker 5: I hated it.

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Speaker 2: I did not love it. I hated it. I hated Hamilton.

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Speaker 2: I'm so sorry. I understand that you don't care. There

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Speaker 2: are going to be a lot of people listening to

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Speaker 2: be very salty on me because it's like for a

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Speaker 2: lot of people the og like I know lots of

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Speaker 2: people because just and I like, we didn't just see

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Speaker 2: it in Melbourne, No, we saw it on the West End.

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Speaker 2: It was lovely because wow, we are fancy. And I

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Speaker 2: was posting I'm going to go see Hamilton, and people

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Speaker 2: were like dming me being like I've seen Hamilton five

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Speaker 2: times and I need to see it on the West End.

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Speaker 2: And I'm thinking why though, like, do you hate yourself.

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Speaker 4: I reckon it's because we are not familiar with the

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Speaker 4: US history and because.

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Speaker 5: Oh no, I got the history, why are we singing

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Speaker 5: about it? I think we will probably have the same

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Speaker 5: brain in that, like we can't really well, I don't

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Speaker 5: know about you, but I can't even absorb the information

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Speaker 5: when because it sounds like it's getting to a juicy part,

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Speaker 5: they're like, it's really juicy, and then someone starts singing

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Speaker 5: the rest and I'm like, feel it.

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Speaker 2: Wow, I don't feel it.

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Speaker 5: I'm just like, I'm really desperately trying to absorb what

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Speaker 5: they're saying.

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Speaker 2: I think that's probably what it is.

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Speaker 5: I'm like, at the very peak when I need this

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Speaker 5: next bit of juice, it is then it in a

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Speaker 5: way that is so I can't understand anymore.

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Speaker 2: The process thinks so differently. That's I nearly fell asleep.

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Speaker 4: Yeah she was not, Yeah it was.

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Speaker 2: She got that sober intermission. I was trying to leave,

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Speaker 2: absolutely not.

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Speaker 5: I'm putting this in my calendar really quick in case

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Speaker 5: I forget beetle Juice for Jess Ricky.

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Speaker 2: The best thing. I can't believe you.

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Speaker 4: We still don't know how to use the app because

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Speaker 4: I'm sure. I'm going to at some point try and

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Speaker 4: get other cheap tickets. So if anyone knows, let me know.

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Speaker 4: But thank you so.

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Speaker 5: Much and send me the link and we will jump

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Speaker 5: on and I do that.

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Speaker 4: How do we beat anyway I've just spoken about it's.

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Speaker 2: So fun, it's cold.

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Speaker 4: It's cold.

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Speaker 5: It's called happy to be home because for those who remember,

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Speaker 5: I was in Brisbane for a little while and I'm

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Speaker 5: just such a homebody, you know, I don't want to

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Speaker 5: be anywhere else, so I'm happy to be home. It

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Speaker 5: is very cold, and I honestly don't think I have

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Speaker 5: a single interesting thing to bring to the table other

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Speaker 5: than I'm home.

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Speaker 2: Neither.

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Speaker 4: God, We're going to get so many hate comments this.

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Speaker 5: Sorry, I'm a I.

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Speaker 2: Balance them out.

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Speaker 4: I'm a huge musical nerd. Don't hate us, please, yes.

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Speaker 2: True, just don't hate with us. You know what we

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Speaker 2: love though five star reviews.

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Speaker 5: Yes?

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Speaker 2: Are you ready? So this is from Fionna. I found

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Speaker 2: Cheese on the Money in the second year of university

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Speaker 2: and it is safe to say it's completely changed my life.

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Speaker 2: I was spending impulsively and didn't know what I was

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Speaker 2: saving for. This podcast sparked my passion for budgets and investing.

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Speaker 2: I now have investments, know where all of my money goes,

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Speaker 2: have an emergency fund, understand finance jargon, and am setting

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Speaker 2: myself up for the future. I love the vibes of

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Speaker 2: the pod and the content is always empowering me to

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Speaker 2: keep working on my finances. Vd's transparency on ADHD also

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Speaker 2: started my journey to my ADHD diagnosis, which has also

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Speaker 2: changed my life.

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Speaker 5: Cool.

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Speaker 2: I will continue to listen for a long time to

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Speaker 2: keep learning and laughing.

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Speaker 5: Gorgeous.

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Speaker 2: That's a nice thing.

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Speaker 5: You have to think.

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Speaker 2: For so long I was like embarrassed to talk about

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Speaker 2: my ADHD. I feel like it's like a relatively trendy now,

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Speaker 2: which I'm not gonna lie as someone who got diagnosed

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Speaker 2: at like eighteen nineteen, I'm a bit like, oh, so

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Speaker 2: you're telling me I didn't need to get all of

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Speaker 2: my riddle and tablets, pop them out and put them

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Speaker 2: into a separate container so that when I had them

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Speaker 2: at university people couldn't tell what I was taking and

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Speaker 2: they thought I was just taking a panadoll. Because I

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Speaker 2: was genuinely like, if these girls at UNI see me

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Speaker 2: with riddling in my bag, they're going to think I'm crazy,

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Speaker 2: right right, it's good the times of change. You're on

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Speaker 2: rilin dexies. What do you take? How does it work? Oh?

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Speaker 2: If you talked to your psych about this, like totally,

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Speaker 2: it's so's change. I'm changed, sounds change, But we need

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Speaker 2: to talk about it because if it is something you

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Speaker 2: are struggling with, it is life changing and also so validating,

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Speaker 2: validating for sure. Yeah, I wouldn't be surprised that the

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Speaker 2: reason we don't like musicals has something to do with Yeah,

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Speaker 2: with that and Jess, it's just like they really like,

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Speaker 2: they really empower me. I just really enjoy sitting down

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Speaker 2: and steering at something for an hour and a half

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Speaker 2: for a five minute intermission, and then another hour and

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Speaker 2: a half of one consistent show.

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Speaker 4: It's like my favorite thing in the world.

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Speaker 2: Do you know what I hate about They're going back

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Speaker 2: to this musicals going to the theater. I went to

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Speaker 2: the theater the other day, Ballet, the same thing. Yes

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Speaker 2: you mean, what do you mean I'm not allowed to

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Speaker 2: play on my phone?

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Speaker 5: Oh?

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Speaker 4: Yes, what do you mean?

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Speaker 2: I've just got to be locked into one thing and

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Speaker 2: it would be rude to get my phone out my

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Speaker 2: whole brain. So I went to a Melbourne Symphony orchestra.

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Speaker 2: What is it? Like a concept? The other day? Right,

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Speaker 2: it's just like a month ago with my best friend

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Speaker 2: Harriet and she was like so excited, but like my

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Speaker 2: brain during that period of time, I'm like thinking about

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Speaker 2: everything I've done wrong in life. I'm thinking about, Oh,

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Speaker 2: I wonder how many people are on the stage. I'm

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Speaker 2: counting how many people are on the stage. I'm thinking, Oh,

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Speaker 2: I wonder what sound that is or what instruments making that?

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Speaker 2: Trying to pinpoint the instruments on safe Looking at the conductor,

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Speaker 2: I'm wondering what type of degree the conductor had to

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Speaker 2: get you imagine your conducting. Yeah, I can definitely do that.

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Speaker 2: He doesn't look like he's doing much. And then I'm like,

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Speaker 2: do people watch him and read the music? Like my

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Speaker 2: brain is going a million miles an hour. I'm thinking

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Speaker 2: of what i can cook when I leave. I'm thinking

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Speaker 2: of what notifications might be on my phone, and then

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Speaker 2: Harriet's like, did you like that song? And I'm thinking

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Speaker 2: what song?

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Speaker 5: Totally I know I'm thinking the same thing. I'm thinking

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Speaker 5: how long did it take to set up the stage?

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Speaker 5: And I'm having.

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Speaker 2: These cold when I walk back to my car after

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Speaker 2: this because it's going to be quite late. Should have

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Speaker 2: parked closer?

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Speaker 4: Like so differently. This is so interesting because like when

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Speaker 4: I watch something like that, I'm like, I'm like live music,

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Speaker 4: especially like if there's no story, I'm like picturing worlds

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Speaker 4: in my mind, like use me somewhere else.

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Speaker 2: I'm thinking of what's in my fridge. I'm wonder if

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Speaker 2: those blueberries are soft yet. If they're soft, should I

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Speaker 2: freeze them for smoothies? Or should I just chuck them out? Oh,

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Speaker 2: chuck them out. I've chucked something else out one time.

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Speaker 2: One time I chucked a jumper out, like my brain

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Speaker 2: bloody loops. And then someone will interrupt my train of

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Speaker 2: thought and be like, what are you thinking about? Like, oh,

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Speaker 2: you interrupted my train of thought. And then I'm back

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Speaker 2: thinking and I'm like trains.

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Speaker 5: Yes, yes, and then we are When people say what

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Speaker 5: do you think about, You're like, it's impossible to narror that.

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Speaker 5: It could have been three seconds of thought and twenty

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Speaker 5: million things you've visited.

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Speaker 2: Ye Oh, the back of that head down sitting in

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Speaker 2: front of me really does look like my neighbor. I

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Speaker 2: wonder what can I imagine my neighbor coming to a

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Speaker 2: concert like this, like, yeah, my brain she doesn't stop.

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Speaker 5: No, no, no.

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Speaker 2: I'm not saying like you know when people say my

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Speaker 2: brain doesn't stop and you go, oh, that's so impressive.

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Speaker 2: It's not impressive, Jessica. It sounds exhausting. Yeah, it's humbling.

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Speaker 2: Like I'm not consistently thinking of new business ideas. I'm

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Speaker 2: not consistently thinking of things that could help the world. Like, hmm,

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Speaker 2: I don't know, does my neighbor have hairdlet looks like that?

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Speaker 2: I kid you not, And.

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Speaker 4: You may never know because I'll dispear into the crowd and.

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Speaker 2: You just have to wonder it did happen. I don't

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Speaker 2: know because he disappeared into a crowd. Jessica. Anyway, talk

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Speaker 2: to me, what if we got when it comes to

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Speaker 2: community money wins?

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Speaker 4: Alrighty nothing musical themes, sadly but very on brand. I

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Speaker 4: have a money in from b who said she won

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Speaker 4: an NGV membership.

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Speaker 2: Free er cool, boring. I love that for you.

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Speaker 4: Yeah, doesn't love a music gallery either.

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Speaker 5: I don't mind an art gallery, Yeah, I do like

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Speaker 5: an art gallery.

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Speaker 2: Just took me to an art gallery when basically we

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Speaker 2: went to send me home. We went to MoMA in

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Speaker 2: New York doesn't live up to the heart.

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Speaker 4: Zero out of ten would not recommend with me or book.

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Speaker 2: Can we just can we just say that I wasn't

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Speaker 2: on my own in that you took two eighty HD

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Speaker 2: girlies and then expected them to not go up the wolves.

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Speaker 4: I mean to be fair, I said, I'm so happy

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Speaker 4: to go by myself.

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Speaker 2: We wanted to say that we went.

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Speaker 5: Yeah, I see, Well, that's good to know that Jess

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Speaker 5: was really.

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Speaker 2: Stressed knowing that you guys were not having fun. The

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Speaker 2: fingernails there real question. Don't ruin it for me?

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Speaker 5: I would be I want to go and I do

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Speaker 5: want any spoilers.

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Speaker 4: Sorry, I do feel you would love it.

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Speaker 5: I feel like I would like I love a jar.

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Speaker 2: Of fingernails, but a lot of places that you can

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Speaker 2: sit though. That's good.

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Speaker 5: That's what we need.

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Speaker 2: Next.

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Speaker 4: I've got a money win from Madeline who said money win.

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Speaker 4: I've got my Opal card this morning. I got to

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Speaker 4: the Metro and they're signed everywhere that say free travel today.

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Speaker 2: All the games are open.

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Speaker 4: Thank you so much. Universe.

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Speaker 2: Hey, that is cool, isn't it.

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Speaker 4: When just a little thing, when the world aligns for you.

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Speaker 4: It's such a good feeling.

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Speaker 2: Why is it free travel?

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Speaker 4: That's great, really cool, I want to say to the

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Speaker 4: melbournecause obviously Opal is sid me.

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Speaker 2: Anyway.

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Speaker 4: Next, I've got a money win from Monique, who said

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Speaker 4: she got a ten dollar gift boucher from Yochi because

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Speaker 4: it was her birthday.

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Speaker 2: We all love Yoshi.

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Speaker 4: Your birthday's coming up, vd's if you dors.

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Speaker 2: Is too, it is, we could time it to use

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Speaker 2: it within the same week. I reckon, Yeah, if you

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Speaker 2: don't have a Yochi account, everybody, we should do a

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Speaker 2: birthday we can see how much free stuff we can get.

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Speaker 4: I had actually thought about that. I thought it would

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Speaker 4: be a very good TikTok to be like, yeah, how

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Speaker 4: many things, how many things?

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Speaker 2: But also, have you ever gone to Yochi and only

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Speaker 2: spent ten dollars?

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Speaker 4: Well, that's so true. But all of a sudden, my

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Speaker 4: fifteen dollar thing is only five and that's the money.

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Speaker 2: That's a deal, good deal. You're basically making money exactly right.

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Speaker 4: Next, I've got a money win from Lou said she

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Speaker 4: went into Just Jeans this week to try on a

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Speaker 4: denim dress, and the sales assistant advice that they could

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Speaker 4: price match the online prices. Online it was forty percent off,

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Speaker 4: so she managed just call that in store.

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Speaker 2: That's so nice, so good.

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Speaker 4: I do that sometimes when stuff I want is out

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Speaker 4: of stock, Like if there's an online sale that's really

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Speaker 4: good and the thing you wanted to sold out, but

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00:14:27,600 --> 00:14:29,560
Speaker 4: it's not on sale instore, I'll just go in store

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Speaker 4: and say can you match the online price? And nine

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Speaker 4: times out of ten I say yes, genius, and then

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00:14:33,520 --> 00:14:36,120
Speaker 4: you get the size that you wanted. And then last

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Speaker 4: of this week, I've got money in from wonder who

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00:14:37,920 --> 00:14:40,800
Speaker 4: said money win. I've been doing so well with saving,

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Speaker 4: mostly due to cooking rather than buying takeaway, so I

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Speaker 4: decided to buy a convection slash microwave slash air fryer.

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Speaker 4: At checkout, I noticed the good guys had a compare

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Speaker 4: prices button, so I would already check competitors, you know myself.

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Speaker 4: I'd looked at the other websites. I wasn't expecting anything, however,

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00:14:56,360 --> 00:15:00,120
Speaker 4: was pleasantly surprised when their button found a ten ten

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00:15:00,160 --> 00:15:01,920
Speaker 4: dollars saving, which they then passed on to her.

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Speaker 2: Hey nice, like I have so nice crazy.

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Speaker 4: I thought that was very good, So well done to

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Speaker 4: the good guys.

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Speaker 2: Well done for me, good wrap from you, miss Becks.

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Speaker 2: I said, let's quick fire your broke tips because we

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00:15:16,680 --> 00:15:18,120
Speaker 2: yapped too much about Hamilton.

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Speaker 5: Okay, okay, So this first one comes from Rachel, who

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00:15:20,680 --> 00:15:23,400
Speaker 5: says that if you join Hoyts, it's fifteen dollars a year.

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00:15:23,400 --> 00:15:25,640
Speaker 5: You can get ulimited refills, So if you go movies,

359
00:15:25,880 --> 00:15:28,440
Speaker 5: your refill. I know, it's not like the drink's portion

360
00:15:28,560 --> 00:15:30,160
Speaker 5: of the night. You wouldn't think about it. It's like,

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00:15:30,240 --> 00:15:32,840
Speaker 5: I'm not going to be spending a motter on soft drink.

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00:15:32,920 --> 00:15:36,800
Speaker 5: But it's just another little extra costs that you don't

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Speaker 5: have to worry about when you go, which I think

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00:15:38,720 --> 00:15:40,800
Speaker 5: is great. And also I'm assuming with the Heutz membership

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Speaker 5: you get some other benefits as well, like cheap tickets

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Speaker 5: things like that. It comes after what I said a

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Speaker 5: few weeks ago about I think it was like uber

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00:15:47,320 --> 00:15:51,040
Speaker 5: one or something the ticket. Yeah, really really cheap tickets,

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Speaker 5: free popcorn, all this kind of stuff. So that is fantastic.

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Speaker 5: And what they do is they just fill up an

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00:15:56,720 --> 00:15:59,160
Speaker 5: empty vessel of any kind and then just keep getting

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Speaker 5: refills and then they go, you're soft rink for the week.

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Speaker 5: And the next one comes from Nat who says, this

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00:16:05,840 --> 00:16:08,120
Speaker 5: is actually very very smart. You know how you get like,

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00:16:08,160 --> 00:16:10,560
Speaker 5: you know your loyalty cards and you have free coffee.

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Speaker 5: If you use those specifically on public holidays or Sundays

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00:16:14,360 --> 00:16:18,200
Speaker 5: and you're when there's like a surcharge, then you are

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00:16:18,360 --> 00:16:20,960
Speaker 5: in a way saving a lot of money, because like

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00:16:20,960 --> 00:16:23,600
Speaker 5: if you're using it on every other day of the week,

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00:16:23,800 --> 00:16:26,680
Speaker 5: then it's just like coffee is expensive anyway, but a

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00:16:26,720 --> 00:16:30,440
Speaker 5: public holiday surcharge on top of that, my god, So

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00:16:30,640 --> 00:16:32,320
Speaker 5: make sure you use those, save those and use those

383
00:16:32,320 --> 00:16:34,240
Speaker 5: on public holidays unless you can't afford it on a day,

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00:16:34,600 --> 00:16:36,400
Speaker 5: use it whatever the hell you want. So I think

385
00:16:36,400 --> 00:16:40,240
Speaker 5: that's so clever. My one is really really silly and dumb.

386
00:16:40,280 --> 00:16:42,800
Speaker 5: But I just saw my partner step with this video

387
00:16:42,840 --> 00:16:45,120
Speaker 5: and this girl who had this Tita sauce bottle. I'm

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00:16:45,160 --> 00:16:47,640
Speaker 5: sure you guys probably have seen this, but it's like,

389
00:16:47,680 --> 00:16:49,000
Speaker 5: you know, when you have like tomato sauce or any

390
00:16:49,040 --> 00:16:51,800
Speaker 5: kind of sauce bottle, it's so unsatisfying when it's like.

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00:16:52,040 --> 00:16:52,760
Speaker 2: You're shaking it.

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00:16:52,800 --> 00:16:54,560
Speaker 5: You're doing that thing, were trying to get the rest

393
00:16:54,560 --> 00:16:56,960
Speaker 5: of it out, but it just will not come out,

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00:16:57,240 --> 00:16:58,520
Speaker 5: and so you just go to chuck the whole thing out.

395
00:16:58,520 --> 00:17:01,640
Speaker 5: It's probably like two three, maybe four serving still left.

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00:17:01,880 --> 00:17:05,000
Speaker 5: That's just coating the bottle and you're like, wow, I

397
00:17:05,040 --> 00:17:06,600
Speaker 5: can't get it out. I'm just going to check it out.

398
00:17:06,640 --> 00:17:09,639
Speaker 5: But instead, what you could do if you have limber shoulders,

399
00:17:09,680 --> 00:17:13,400
Speaker 5: good rotator center a fugal for yes, if you it's

400
00:17:13,400 --> 00:17:16,320
Speaker 5: gonna be hard to explain to people who are listening, but.

401
00:17:17,119 --> 00:17:21,000
Speaker 2: Say you're gonna get your arms. You're gonna go full, go, go, gadget.

402
00:17:20,760 --> 00:17:25,200
Speaker 5: Yeah, full three hundred and sixty. Hold the bottle at

403
00:17:25,200 --> 00:17:28,359
Speaker 5: the end like a bowler. Yeah, cuck a bowler.

404
00:17:28,400 --> 00:17:29,600
Speaker 2: Don't stop, you don't stop.

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00:17:29,600 --> 00:17:33,640
Speaker 5: You hold it down and you're like going to an

406
00:17:33,760 --> 00:17:34,520
Speaker 5: example of.

407
00:17:34,520 --> 00:17:37,480
Speaker 2: This, can jump up and get it. Give you a

408
00:17:37,480 --> 00:17:41,159
Speaker 2: good example. It's very satisfying. You kind of like just

409
00:17:41,200 --> 00:17:42,679
Speaker 2: like pulling around the.

410
00:17:43,119 --> 00:17:46,359
Speaker 5: Bottles and it's like it's like, I don't know how

411
00:17:46,359 --> 00:17:48,320
Speaker 5: good it is for your rotated cuffs is what I'm

412
00:17:48,359 --> 00:17:48,840
Speaker 5: worried about.

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00:17:49,080 --> 00:17:51,800
Speaker 2: Whenever free sauce. Yeah, and I guess you.

414
00:17:51,760 --> 00:17:53,520
Speaker 5: Have to do that when you're like exercising, you have

415
00:17:53,520 --> 00:17:58,480
Speaker 5: to like do that well with you. I can't explain it,

416
00:17:58,480 --> 00:17:59,960
Speaker 5: but I hope you guys understand.

417
00:17:59,840 --> 00:18:01,840
Speaker 2: You're not just putting a little bit of water in there,

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00:18:01,880 --> 00:18:08,720
Speaker 2: shaking it up and then you storing it upside down. Okay, genius, Yes,

419
00:18:08,840 --> 00:18:10,120
Speaker 2: yes you do can do that too.

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00:18:10,200 --> 00:18:12,199
Speaker 5: But but sometimes they're in that like glass but you

421
00:18:12,200 --> 00:18:14,560
Speaker 5: know a sweet and sour sauce where it's like that

422
00:18:14,760 --> 00:18:17,320
Speaker 5: glass bottle with that top that is like.

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00:18:17,280 --> 00:18:20,679
Speaker 2: I know what you're talking. You know, it's like and

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00:18:20,680 --> 00:18:21,239
Speaker 2: then I opened it.

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00:18:21,240 --> 00:18:24,200
Speaker 5: It's going everywhere, going everywhere, and also it's coming out

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00:18:24,240 --> 00:18:26,399
Speaker 5: as it's sat there just doing nothing because it's just

427
00:18:26,400 --> 00:18:29,760
Speaker 5: like it's not very what's the word thinking of, it's

428
00:18:29,840 --> 00:18:31,560
Speaker 5: not like sealing it properly?

429
00:18:31,640 --> 00:18:32,640
Speaker 2: Yes, yes, perfect.

430
00:18:33,400 --> 00:18:34,160
Speaker 5: So cent.

431
00:18:37,680 --> 00:18:38,080
Speaker 4: We're going to.

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00:18:40,040 --> 00:18:41,960
Speaker 2: Centrifugal force said.

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Speaker 5: I will not give you any context.

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Speaker 2: That's me. I love that. All right, Well let's go

435
00:18:46,800 --> 00:18:48,560
Speaker 2: to a really quick break on the flip side. We're

436
00:18:48,560 --> 00:18:50,640
Speaker 2: going to be answering a money dilemma, which this week

437
00:18:50,680 --> 00:18:53,440
Speaker 2: is about whether you should buy a house or start investing.

438
00:18:53,640 --> 00:18:55,760
Speaker 2: And then something that you slid into our d ms

439
00:18:55,800 --> 00:18:58,520
Speaker 2: about whether it's worth uprooting your family for a job

440
00:18:58,640 --> 00:19:01,760
Speaker 2: that might actually just be temporary. So guys, don't go anywhere.

441
00:19:05,400 --> 00:19:06,480
Speaker 2: Welcome back, everybody.

442
00:19:06,560 --> 00:19:10,560
Speaker 4: Let's take a listen to this week's moneys dilemma.

443
00:19:10,800 --> 00:19:13,199
Speaker 2: Hi, there, have you got a money dilemma you just

444
00:19:13,240 --> 00:19:15,760
Speaker 2: can't solve That She's on the Money team is here

445
00:19:15,760 --> 00:19:19,000
Speaker 2: to help. Every week we tackle your dilemmas, both big

446
00:19:19,080 --> 00:19:21,800
Speaker 2: and small, to answer your most burning money, career and

447
00:19:21,840 --> 00:19:25,000
Speaker 2: life questions. To get involved, simply head to our website

448
00:19:25,040 --> 00:19:27,160
Speaker 2: and leave us a short voice recording and you might

449
00:19:27,240 --> 00:19:29,760
Speaker 2: just find yourself on the show. Now, let's take a

450
00:19:29,800 --> 00:19:31,560
Speaker 2: listen to this week's money dilemma.

451
00:19:34,160 --> 00:19:36,120
Speaker 6: Hi, She's on the Money. I had a quick question

452
00:19:36,160 --> 00:19:39,120
Speaker 6: I wanted to ask you. So I'm weighing up where

453
00:19:39,200 --> 00:19:41,200
Speaker 6: I should be trying to buy a house for where

454
00:19:41,240 --> 00:19:43,720
Speaker 6: RA should be trying to invest my money. So, for

455
00:19:43,760 --> 00:19:45,919
Speaker 6: a bit of context, I'm twenty three years old, and

456
00:19:45,960 --> 00:19:48,879
Speaker 6: I've just graduated from university, and I'm currently in my

457
00:19:48,920 --> 00:19:51,440
Speaker 6: first full time job. And while I was at Uni,

458
00:19:51,520 --> 00:19:54,679
Speaker 6: I was able to say about twenty thousand dollars, keeping

459
00:19:54,680 --> 00:19:56,840
Speaker 6: in mind that I am planning and putting some aside

460
00:19:56,880 --> 00:19:59,399
Speaker 6: as an emergency fund, So this would give me about

461
00:19:59,440 --> 00:20:03,000
Speaker 6: ten to fift grand left to play with. So obviously

462
00:20:03,080 --> 00:20:05,200
Speaker 6: that's not quite enough to buy a house right now,

463
00:20:05,320 --> 00:20:08,000
Speaker 6: and with my like a work history, but I'm wondering,

464
00:20:08,320 --> 00:20:10,000
Speaker 6: whoever I've be in the next one to two years

465
00:20:10,000 --> 00:20:12,560
Speaker 6: of full time work, I could probably say enough to

466
00:20:12,720 --> 00:20:16,680
Speaker 6: buy something. However, I am also wondering if investing would

467
00:20:16,680 --> 00:20:19,639
Speaker 6: be a smarter option, given that it's a bit more flexible.

468
00:20:20,240 --> 00:20:22,399
Speaker 6: It might give me a bit more room to you know,

469
00:20:22,880 --> 00:20:26,160
Speaker 6: move within my career and do different things. The other

470
00:20:26,280 --> 00:20:29,000
Speaker 6: information I think is important is that I'm hoping to

471
00:20:29,000 --> 00:20:31,880
Speaker 6: pursue a PhD in the next few years, so I'm

472
00:20:31,920 --> 00:20:34,480
Speaker 6: wondering if I should be focusing on buying a house

473
00:20:34,560 --> 00:20:36,840
Speaker 6: before I do that, to kind of get my foot

474
00:20:36,880 --> 00:20:40,240
Speaker 6: in the door before I stop having full time income.

475
00:20:41,000 --> 00:20:43,240
Speaker 6: So I'm also single for a bit of context, So

476
00:20:43,320 --> 00:20:45,919
Speaker 6: I'm making plans kind of around this at the moment,

477
00:20:46,440 --> 00:20:48,560
Speaker 6: and I would love your thoughts and insights.

478
00:20:48,840 --> 00:20:52,760
Speaker 2: Thank you so much, can or lost us? Yeah, what

479
00:20:52,880 --> 00:20:53,560
Speaker 2: would you guys do?

480
00:20:53,840 --> 00:20:54,040
Speaker 1: Well?

481
00:20:54,080 --> 00:20:56,119
Speaker 5: I was just gonna say, like, there's a few thoughts

482
00:20:56,119 --> 00:20:57,800
Speaker 5: I have as all. I feel like, if you're ready

483
00:20:57,800 --> 00:20:59,560
Speaker 5: to do a PhD and you won't have like a

484
00:20:59,560 --> 00:21:02,359
Speaker 5: full time income or like stable income, then maybe like

485
00:21:02,400 --> 00:21:04,760
Speaker 5: buying house, it's not a good time for that. But

486
00:21:04,800 --> 00:21:06,240
Speaker 5: my main question is do you want to buy a

487
00:21:06,240 --> 00:21:09,359
Speaker 5: house or is it like this is you should buy? Yeah,

488
00:21:09,400 --> 00:21:11,760
Speaker 5: like this is what society says I should do by

489
00:21:11,840 --> 00:21:13,719
Speaker 5: this aid blah blah blah, Like do you actually want

490
00:21:13,760 --> 00:21:15,040
Speaker 5: to buy a house, because if you do, then like

491
00:21:15,680 --> 00:21:19,439
Speaker 5: then I think Victoria would say, don't invest, it's too risky.

492
00:21:19,680 --> 00:21:22,560
Speaker 5: Put it in a high interest savings you haven't or

493
00:21:22,600 --> 00:21:25,280
Speaker 5: a term deposit, which is where you lot your money in.

494
00:21:25,520 --> 00:21:27,000
Speaker 2: You don't need me if you.

495
00:21:26,960 --> 00:21:28,400
Speaker 5: Can, actually you know what you could If you could

496
00:21:28,440 --> 00:21:30,600
Speaker 5: leave the whole studio, that would be nice because I

497
00:21:30,600 --> 00:21:31,280
Speaker 5: can take it from here.

498
00:21:31,320 --> 00:21:37,280
Speaker 2: But as long as you continue the Hamilton hate strong,

499
00:21:38,440 --> 00:21:41,239
Speaker 2: you hold that side of the fort up and I

500
00:21:41,240 --> 00:21:42,240
Speaker 2: don't need to know.

501
00:21:42,440 --> 00:21:45,399
Speaker 5: And if we're remembered for nothing else, it's that we

502
00:21:45,400 --> 00:21:45,960
Speaker 5: we didn't like.

503
00:21:46,000 --> 00:21:47,359
Speaker 2: But I never liked Hamilton.

504
00:21:48,800 --> 00:21:51,399
Speaker 5: Term deposit for anyone who needs context that it's just

505
00:21:51,440 --> 00:21:54,280
Speaker 5: like a savings account when you like lock in your

506
00:21:54,280 --> 00:21:57,480
Speaker 5: money for a specific amount of interest for a specific

507
00:21:57,520 --> 00:21:59,159
Speaker 5: amount of time, Like you can't touch it. I mean

508
00:21:59,160 --> 00:22:01,840
Speaker 5: you can, than there's fees, I think anyway. Anyway, So

509
00:22:01,920 --> 00:22:04,960
Speaker 5: like term deposit is an option if you don't trust

510
00:22:05,000 --> 00:22:07,360
Speaker 5: yourself to have all this money in a savings account,

511
00:22:07,520 --> 00:22:09,080
Speaker 5: and you're like, I can't just have it sitting there

512
00:22:09,080 --> 00:22:11,000
Speaker 5: because I'm going to be spending it all, So lock

513
00:22:11,040 --> 00:22:13,400
Speaker 5: it in somewhere where you can still access as it's

514
00:22:13,960 --> 00:22:17,439
Speaker 5: it's really low risk. And then when you feel ready

515
00:22:18,160 --> 00:22:20,920
Speaker 5: and you've saved a little bit more, then start.

516
00:22:20,720 --> 00:22:21,880
Speaker 2: Looking for to buy a house.

517
00:22:21,920 --> 00:22:23,800
Speaker 5: But if you don't actually want to buy a house,

518
00:22:24,200 --> 00:22:26,600
Speaker 5: and you're like, this is money that I'm happy to

519
00:22:27,119 --> 00:22:33,840
Speaker 5: put in shares forever, then do that. I would say, well,

520
00:22:33,840 --> 00:22:34,200
Speaker 5: you can do.

521
00:22:34,200 --> 00:22:36,159
Speaker 2: Like half half whatever. That's me.

522
00:22:37,040 --> 00:22:40,320
Speaker 4: Yeah, I feel like it's I mean, I personally would

523
00:22:40,359 --> 00:22:42,600
Speaker 4: probably invest. Like I look back and I wish that

524
00:22:42,600 --> 00:22:44,679
Speaker 4: I had had the literacy that you have now when

525
00:22:44,720 --> 00:22:48,000
Speaker 4: I was twenty three. Well done on your savings, Well

526
00:22:48,040 --> 00:22:50,119
Speaker 4: done on thinking so far ahead, getting in front of

527
00:22:50,119 --> 00:22:51,879
Speaker 4: the ball. That's absolutely incredible for it.

528
00:22:52,000 --> 00:22:52,440
Speaker 2: Totally.

529
00:22:52,800 --> 00:22:55,120
Speaker 4: I wish that I had had that knowledge and that

530
00:22:55,280 --> 00:22:58,520
Speaker 4: forethought when I was your age. I would say, there's

531
00:22:58,520 --> 00:22:59,680
Speaker 4: a lot of thing touched on. We've done a whole

532
00:22:59,680 --> 00:23:02,200
Speaker 4: episode actually called should I Buy a house or Should

533
00:23:02,200 --> 00:23:04,320
Speaker 4: I invest? I'm pretty sure I would just go listen

534
00:23:04,320 --> 00:23:05,920
Speaker 4: to that episode. We maybe we'll link in the show

535
00:23:05,920 --> 00:23:08,040
Speaker 4: notes but I think there's a lot of reflection to

536
00:23:08,080 --> 00:23:10,320
Speaker 4: be done on what are your goals? You know, I

537
00:23:10,359 --> 00:23:13,119
Speaker 4: think having your money in the share market, particularly taking

538
00:23:13,119 --> 00:23:15,600
Speaker 4: on that PhD, might give you a bit of flexibility.

539
00:23:15,880 --> 00:23:18,680
Speaker 4: I know that a PhD is already such a significant undertaking,

540
00:23:18,720 --> 00:23:22,640
Speaker 4: it's really stressful having mortgage repayments on top of that. Yeah,

541
00:23:22,680 --> 00:23:24,840
Speaker 4: that's where I was mighty a lot. Yeah, but there's

542
00:23:24,880 --> 00:23:26,359
Speaker 4: a lot to consider. So I would just say go

543
00:23:26,400 --> 00:23:28,080
Speaker 4: listen to that episode, because that's the reason we made it.

544
00:23:28,080 --> 00:23:29,680
Speaker 4: I feel like there's something a lot of people think about.

545
00:23:29,880 --> 00:23:32,560
Speaker 2: Yeah, I think it's a cliff notes well, one hundred percent.

546
00:23:32,600 --> 00:23:37,440
Speaker 2: I think rock in a hard place because I think backtracking.

547
00:23:37,600 --> 00:23:39,679
Speaker 2: If you have money in an account and it is

548
00:23:39,720 --> 00:23:42,120
Speaker 2: not making you money, you need to do something right now.

549
00:23:42,480 --> 00:23:45,240
Speaker 2: So whether that is investing, or whether that is putting

550
00:23:45,240 --> 00:23:47,919
Speaker 2: it in a you know, high interest savings account or

551
00:23:47,920 --> 00:23:50,600
Speaker 2: a term deposit, like we do not in this house.

552
00:23:50,640 --> 00:23:52,600
Speaker 2: We do not have money that does not make us money,

553
00:23:52,840 --> 00:23:54,840
Speaker 2: full stop, end of story. If you've got savings and

554
00:23:54,840 --> 00:23:57,959
Speaker 2: they're not working for you, you're doing something wrong in

555
00:23:58,040 --> 00:24:00,639
Speaker 2: saying that. Yes, it is a real big goal to

556
00:24:00,720 --> 00:24:03,560
Speaker 2: purchase a house. It is a really big overhead here

557
00:24:03,600 --> 00:24:07,240
Speaker 2: in Australia. If you do a PhD. It usually takes

558
00:24:07,240 --> 00:24:10,040
Speaker 2: anywhere between three and five years to complete a PhD.

559
00:24:10,600 --> 00:24:14,240
Speaker 2: And from my research, a PhD like you get paid

560
00:24:14,280 --> 00:24:17,480
Speaker 2: a stipend to do your PhD, and that is paid

561
00:24:17,480 --> 00:24:19,840
Speaker 2: to you because they assume that you're working so hard

562
00:24:19,840 --> 00:24:23,000
Speaker 2: that you can't maintain any other type of employment during

563
00:24:23,040 --> 00:24:25,960
Speaker 2: this research period. That amount of money, which is tax

564
00:24:26,000 --> 00:24:29,280
Speaker 2: free is anywhere between thirty three thousand and thirty seven

565
00:24:29,320 --> 00:24:33,160
Speaker 2: thousand dollars. That is not a lot of money. And

566
00:24:33,200 --> 00:24:35,600
Speaker 2: you're telling me, oh, I want to get a mortgage

567
00:24:35,600 --> 00:24:38,920
Speaker 2: in this economy and pay it off with that inc

568
00:24:39,040 --> 00:24:40,840
Speaker 2: I feel like you might be setting yourself up for

569
00:24:40,920 --> 00:24:45,440
Speaker 2: some serious, significant financial pressure. And when you're doing a PhD,

570
00:24:45,520 --> 00:24:48,479
Speaker 2: I'm assuming that's the last thing you want. It doesn't

571
00:24:48,480 --> 00:24:51,480
Speaker 2: mean you can't invest for you know, the next five

572
00:24:51,640 --> 00:24:54,280
Speaker 2: ten years and then buy a house later down the track.

573
00:24:54,320 --> 00:24:55,800
Speaker 2: I know that there seems to be a lot of

574
00:24:55,840 --> 00:25:00,119
Speaker 2: pressure on especially young people at the moment, to get

575
00:25:00,119 --> 00:25:02,640
Speaker 2: into the market as soon as possible, But the right

576
00:25:02,680 --> 00:25:04,359
Speaker 2: time for you to get into the market is actually

577
00:25:04,359 --> 00:25:06,240
Speaker 2: when it works for you, not when the market is

578
00:25:06,320 --> 00:25:10,359
Speaker 2: quote good because nobody can time the market. So yes, Jess,

579
00:25:10,440 --> 00:25:13,119
Speaker 2: great suggestion, go listen to that episode. But then also,

580
00:25:14,040 --> 00:25:17,560
Speaker 2: how do we make decisions if we're like, oh, I

581
00:25:17,560 --> 00:25:19,240
Speaker 2: don't know what I want. I need you to like

582
00:25:19,359 --> 00:25:21,520
Speaker 2: zoom out and look at your lifestyle, your goals, what

583
00:25:21,560 --> 00:25:23,639
Speaker 2: do you actually want to achieve? What's the purpose of

584
00:25:23,680 --> 00:25:26,040
Speaker 2: purchasing this house? Because you might go, well, be I

585
00:25:26,080 --> 00:25:27,680
Speaker 2: want to purchase this house while I have a full

586
00:25:27,720 --> 00:25:30,879
Speaker 2: time income and I'm you know, slaying it financially. I

587
00:25:30,920 --> 00:25:32,560
Speaker 2: then want to rent it out for that period of

588
00:25:32,560 --> 00:25:35,680
Speaker 2: time because I've already worked out what the rental yield

589
00:25:35,720 --> 00:25:37,679
Speaker 2: on that property would be. You might already have all

590
00:25:37,680 --> 00:25:40,520
Speaker 2: your numbers and go, well, v actually, that rental yield

591
00:25:40,560 --> 00:25:42,800
Speaker 2: would cover my mortgage repayments, and I'd go rent in

592
00:25:42,800 --> 00:25:45,400
Speaker 2: a sharehouse and keep my living costs really low while

593
00:25:45,400 --> 00:25:49,160
Speaker 2: doing a PhD so that I'm not financially stressed. Different story.

594
00:25:49,760 --> 00:25:52,760
Speaker 2: So I don't know your situation well enough to be

595
00:25:52,840 --> 00:25:55,800
Speaker 2: able to advise on that. And the only person, unfortunately,

596
00:25:56,119 --> 00:25:58,000
Speaker 2: that can answer the question of should I buy a

597
00:25:58,000 --> 00:26:00,480
Speaker 2: house or should I invest is you? And the only

598
00:26:00,520 --> 00:26:02,159
Speaker 2: way that you're going to be able to answer that

599
00:26:02,200 --> 00:26:05,720
Speaker 2: question is to deeply understand your values, your priority is

600
00:26:05,760 --> 00:26:07,880
Speaker 2: what you want to achieve, But then take the pressure

601
00:26:07,920 --> 00:26:10,560
Speaker 2: off timing, Like we don't need to time the market.

602
00:26:10,600 --> 00:26:12,560
Speaker 2: It's like people saying when should I invest? Is it

603
00:26:12,600 --> 00:26:15,520
Speaker 2: a good time now? Honestly, anytime is a good time.

604
00:26:15,600 --> 00:26:18,200
Speaker 2: Just get in. When it comes to purchasing a house, though,

605
00:26:18,280 --> 00:26:21,840
Speaker 2: different story, because is any time a good time? Well no,

606
00:26:22,119 --> 00:26:25,040
Speaker 2: if you're going to be financially hamstrung or really stressed,

607
00:26:25,119 --> 00:26:29,320
Speaker 2: or you're like making that situation that puts you behind,

608
00:26:30,000 --> 00:26:32,800
Speaker 2: is paying off your mortgage during that period of time

609
00:26:32,840 --> 00:26:34,439
Speaker 2: going to mean that you can't put food on the table.

610
00:26:34,880 --> 00:26:37,520
Speaker 2: That's a completely different conversation. So I think that there's

611
00:26:37,560 --> 00:26:41,720
Speaker 2: a lot let's just go back to recommending those podcast episodes, yes,

612
00:26:41,800 --> 00:26:43,560
Speaker 2: and we'll make sure that they're in the show notes

613
00:26:43,560 --> 00:26:45,160
Speaker 2: for you so you can just click them and go.

614
00:26:45,560 --> 00:26:49,359
Speaker 2: But for me, it would be about sorry, understanding your values,

615
00:26:49,400 --> 00:26:51,320
Speaker 2: what you want to achieve and what life looks like,

616
00:26:51,800 --> 00:26:54,440
Speaker 2: or being really realistic about what doing a PhD is

617
00:26:54,480 --> 00:26:55,080
Speaker 2: going to look like.

618
00:26:55,760 --> 00:26:58,560
Speaker 5: There you go, we got a juicy dst we do.

619
00:26:58,800 --> 00:27:01,760
Speaker 2: I'm glad you asked. I thought you'd never ask Jessica,

620
00:27:02,000 --> 00:27:06,280
Speaker 2: it's about Hamilton. So this week's DM. Hey, she's on

621
00:27:06,320 --> 00:27:08,760
Speaker 2: the money. I'm really torn and need your help working

622
00:27:08,800 --> 00:27:12,120
Speaker 2: through a bigger family career change. My partner's just been

623
00:27:12,160 --> 00:27:16,040
Speaker 2: offered an incredible job opportunity that's life changing, but it's

624
00:27:16,080 --> 00:27:18,560
Speaker 2: in a big town over an hour away from where

625
00:27:18,560 --> 00:27:21,200
Speaker 2: we currently live in the city. We have two kids.

626
00:27:21,240 --> 00:27:23,679
Speaker 2: I work full time, and if we stay here, I

627
00:27:23,760 --> 00:27:25,680
Speaker 2: take on a lot more of the load to cover

628
00:27:25,720 --> 00:27:28,240
Speaker 2: the commute, and I would have to do the big

629
00:27:28,240 --> 00:27:31,399
Speaker 2: commute one day week. The job would likely only be

630
00:27:31,600 --> 00:27:33,880
Speaker 2: for a couple of years, so I'm not sure if

631
00:27:33,880 --> 00:27:36,560
Speaker 2: we should move to that town. It would mean moving

632
00:27:36,560 --> 00:27:39,720
Speaker 2: away from family support and our kids having to change

633
00:27:39,760 --> 00:27:42,840
Speaker 2: school My husband wants to stay, but I think the

634
00:27:42,920 --> 00:27:46,280
Speaker 2: move makes more sense. I never really changed schools as

635
00:27:46,280 --> 00:27:49,200
Speaker 2: a kid. Is it really that bad? What would you guys?

636
00:27:49,240 --> 00:27:53,640
Speaker 2: Do you go? You guys? Is it just me like

637
00:27:53,880 --> 00:27:56,840
Speaker 2: jess you drive over an hour to work? But my

638
00:27:57,040 --> 00:28:00,480
Speaker 2: first thought when and I know you're not, oh, I

639
00:28:00,520 --> 00:28:03,000
Speaker 2: need to move to Richmond. No, And I know that I'm.

640
00:28:02,800 --> 00:28:05,639
Speaker 4: Like, I guess a bit of the anomaly in actually No.

641
00:28:05,680 --> 00:28:06,920
Speaker 4: One of the other girls in the team is quite

642
00:28:06,920 --> 00:28:09,600
Speaker 4: close to me, an hour to work is like.

643
00:28:09,560 --> 00:28:11,920
Speaker 2: A bare minimum of me and my dad did that

644
00:28:12,040 --> 00:28:14,439
Speaker 2: for when I was growing up. Yeah, I grew up

645
00:28:14,480 --> 00:28:15,399
Speaker 2: in the suburbs like that.

646
00:28:15,680 --> 00:28:18,520
Speaker 4: An hour commute to me is honestly nothing like to me,

647
00:28:18,600 --> 00:28:21,800
Speaker 4: that's just an hour. Oh that's quez Yeah, literally, I

648
00:28:21,840 --> 00:28:23,560
Speaker 4: had a good run to be forty five minutes dream

649
00:28:23,840 --> 00:28:26,000
Speaker 4: so to me when you said it's an hour away,

650
00:28:26,480 --> 00:28:28,600
Speaker 4: But I don't want to disregard the fact that you

651
00:28:28,680 --> 00:28:30,760
Speaker 4: said that that would mean you taking on a lot

652
00:28:30,760 --> 00:28:33,840
Speaker 4: of the additional mental load. I feel like maybe that's

653
00:28:33,880 --> 00:28:36,200
Speaker 4: where it's coming from. Because the commute itself an hour

654
00:28:36,960 --> 00:28:39,440
Speaker 4: from someone who makes it, it's neither here nor there.

655
00:28:39,520 --> 00:28:41,920
Speaker 2: You just build it. And I'm not saying that it's

656
00:28:41,960 --> 00:28:45,440
Speaker 2: super fun, but you do just build it into your day, definitely, And.

657
00:28:45,480 --> 00:28:47,720
Speaker 4: I understand that that means perhaps that's two hours a

658
00:28:47,800 --> 00:28:50,440
Speaker 4: day less help that you would get from your partner.

659
00:28:50,280 --> 00:28:53,720
Speaker 2: But hopefully the finances make up for it, right, because

660
00:28:53,760 --> 00:28:56,320
Speaker 2: otherwise it's not a good decision to take that job.

661
00:28:56,560 --> 00:28:59,040
Speaker 4: Yeah, I think that if I was you, I would

662
00:28:59,080 --> 00:29:01,120
Speaker 4: be weighing up the pros and cons, Like, I know,

663
00:29:01,160 --> 00:29:02,800
Speaker 4: it sounds really silly. Have you done a pros and cons.

664
00:29:02,840 --> 00:29:04,640
Speaker 4: This obviously a con is you would be taking on

665
00:29:04,680 --> 00:29:07,040
Speaker 4: more work, But what does that work look like specifically,

666
00:29:07,120 --> 00:29:10,080
Speaker 4: because typically, in my mind that would mean in the morning,

667
00:29:10,120 --> 00:29:13,960
Speaker 4: you're probably doing school drop off by yourself, lunch boxes,

668
00:29:14,000 --> 00:29:16,200
Speaker 4: all that sort of stuff, and in the evening you're

669
00:29:16,240 --> 00:29:19,360
Speaker 4: doing dinner prep, maybe bathtime depending on the kid's age,

670
00:29:19,360 --> 00:29:22,240
Speaker 4: that sort of stuff by yourself. A lot of people

671
00:29:22,360 --> 00:29:25,120
Speaker 4: do within their partnership do that because it's I think

672
00:29:25,160 --> 00:29:27,600
Speaker 4: like that kind of community is actually quite common. Like,

673
00:29:27,640 --> 00:29:29,560
Speaker 4: a lot of people have to travel at your work.

674
00:29:29,800 --> 00:29:31,640
Speaker 2: Is it. There's going to be so many people listening

675
00:29:31,640 --> 00:29:33,200
Speaker 2: to this going. I'm listening to the Shoes on the

676
00:29:33,200 --> 00:29:35,520
Speaker 2: Money podcast because I'm always in the car for an hour.

677
00:29:35,640 --> 00:29:39,200
Speaker 4: Yeah, yeah, genuinely, Like, is the whatever the work looks like?

678
00:29:39,280 --> 00:29:41,440
Speaker 4: I'm basing that on, Like, you know, a lot of assumptions.

679
00:29:41,480 --> 00:29:45,440
Speaker 4: Whatever you're believing you'll take on, is it manageable for you?

680
00:29:45,680 --> 00:29:47,400
Speaker 4: And if it is manageable for you, are there things

681
00:29:47,440 --> 00:29:49,640
Speaker 4: that you can pass off to your partner, you know,

682
00:29:49,800 --> 00:29:51,720
Speaker 4: when they're home on the weekend, they pick up some

683
00:29:51,760 --> 00:29:54,080
Speaker 4: more of the housework so that you're not doing that,

684
00:29:54,200 --> 00:29:56,440
Speaker 4: you know, Yeah, can you get a robot vacuum, so

685
00:29:56,440 --> 00:29:58,320
Speaker 4: you don't vacuum in the evenings because now you've got

686
00:29:58,320 --> 00:29:59,800
Speaker 4: a bit more cash, Like, are there things you can

687
00:29:59,800 --> 00:30:03,920
Speaker 4: do kind of counterbalance it, because I mean, I personally

688
00:30:03,960 --> 00:30:06,120
Speaker 4: wouldn't move for something that's only an hour away.

689
00:30:06,120 --> 00:30:08,000
Speaker 2: That seems how I feel like you're uprooting your house.

690
00:30:08,040 --> 00:30:09,120
Speaker 2: I'm thinking about property.

691
00:30:09,280 --> 00:30:11,440
Speaker 4: You said you're moving away from your family support, which

692
00:30:11,440 --> 00:30:12,360
Speaker 4: I think is probably.

693
00:30:12,080 --> 00:30:13,840
Speaker 5: Important with you, very important.

694
00:30:14,080 --> 00:30:16,080
Speaker 4: I never moved to school, so I can't really comment

695
00:30:16,120 --> 00:30:18,040
Speaker 4: on that. But did you move schools? Have you said

696
00:30:18,080 --> 00:30:20,840
Speaker 4: that I did move? I feel you're talking about I

697
00:30:20,840 --> 00:30:21,440
Speaker 4: did move schools.

698
00:30:21,480 --> 00:30:23,760
Speaker 5: We did move a fair bit. I moved schools and

699
00:30:23,800 --> 00:30:25,120
Speaker 5: then moved back to the.

700
00:30:25,080 --> 00:30:26,600
Speaker 2: Same Stuah moving schools.

701
00:30:26,920 --> 00:30:28,200
Speaker 5: I think it depends what age you are.

702
00:30:28,440 --> 00:30:29,800
Speaker 2: I have schools three times.

703
00:30:30,320 --> 00:30:33,200
Speaker 5: I don't know, crazy, Hey, it depends on so many things,

704
00:30:33,200 --> 00:30:35,240
Speaker 5: like if your friends, if your children have so many

705
00:30:35,240 --> 00:30:37,400
Speaker 5: friends and like they really like their classes, they really

706
00:30:37,480 --> 00:30:39,240
Speaker 5: like the teachers, they have a really good community there,

707
00:30:39,440 --> 00:30:41,080
Speaker 5: then it's like, oh, yeah, don't do that, sir. But

708
00:30:41,120 --> 00:30:42,960
Speaker 5: then I mean unless if you can avoid it. But

709
00:30:43,000 --> 00:30:45,200
Speaker 5: if you can't avoid it, then they'll be fine. Like

710
00:30:45,240 --> 00:30:47,880
Speaker 5: it's actually I'm sure it does help with their resilience

711
00:30:47,920 --> 00:30:51,959
Speaker 5: and like social skills and learning to connect with different

712
00:30:52,160 --> 00:30:54,760
Speaker 5: walks of life and like different people, different brains, different

713
00:30:54,760 --> 00:30:56,360
Speaker 5: all these things, you know what I mean. So it

714
00:30:56,400 --> 00:30:58,120
Speaker 5: is beneficial in some way. But yeah, if you can

715
00:30:58,160 --> 00:31:01,360
Speaker 5: avoid it, cool. If not cool, if it's like really

716
00:31:01,400 --> 00:31:04,000
Speaker 5: really hard to get there, like cause an hour in

717
00:31:04,040 --> 00:31:07,400
Speaker 5: a car, cool, an hour anywhere in a car, fine,

718
00:31:07,720 --> 00:31:10,400
Speaker 5: an hour to I don't know, it's not an hour

719
00:31:10,400 --> 00:31:12,440
Speaker 5: to Beller, right, but say it is. It's like, god,

720
00:31:12,480 --> 00:31:14,880
Speaker 5: that's like probably twenty buses, you know what I mean, Like,

721
00:31:15,120 --> 00:31:17,280
Speaker 5: what does the commute look like? Maybe that is actually

722
00:31:17,320 --> 00:31:21,840
Speaker 5: really war tricky, which is so fair. But I'm also thinking,

723
00:31:21,920 --> 00:31:25,080
Speaker 5: like the commute currently, if it took me an hour

724
00:31:25,120 --> 00:31:29,720
Speaker 5: to get here, that's only twenty six more minutes than usual,

725
00:31:30,080 --> 00:31:32,520
Speaker 5: you know what I mean, And it's like, god, an hour.

726
00:31:32,640 --> 00:31:34,680
Speaker 5: That's no, I'm not going to do that, but it's

727
00:31:34,720 --> 00:31:37,680
Speaker 5: like only a little bit more than what I'm doing

728
00:31:37,720 --> 00:31:39,960
Speaker 5: right now, So it's like just add that much time?

729
00:31:40,160 --> 00:31:42,440
Speaker 5: Or is it like to feel really really crazy because

730
00:31:43,280 --> 00:31:46,040
Speaker 5: hearing it or seeing it in that way is like

731
00:31:46,440 --> 00:31:48,440
Speaker 5: it feels like too much to bear but like I

732
00:31:48,520 --> 00:31:49,520
Speaker 5: think if it worked.

733
00:31:49,360 --> 00:31:51,360
Speaker 4: Locally and works fifteen minutes away.

734
00:31:51,160 --> 00:31:53,400
Speaker 5: And yeah, it's like an extra forty five minutes, but

735
00:31:53,440 --> 00:31:55,080
Speaker 5: it's like you think of it as an hour and

736
00:31:55,120 --> 00:31:56,880
Speaker 5: you're like, my god, that's crazy.

737
00:31:57,280 --> 00:31:58,640
Speaker 2: So maybe like frame it that way.

738
00:31:58,680 --> 00:32:01,280
Speaker 5: I don't know, but I yeah, I would also say

739
00:32:01,320 --> 00:32:07,640
Speaker 5: like if it is temporary or potentially.

740
00:32:07,880 --> 00:32:11,840
Speaker 2: Just like whatever, nothing's permanent talking about this, I just

741
00:32:11,880 --> 00:32:14,640
Speaker 2: feel like, you know, you wrote in you said it

742
00:32:14,680 --> 00:32:17,960
Speaker 2: was a life changing job opportunity, right, so I'm assuming

743
00:32:18,160 --> 00:32:22,400
Speaker 2: that that means significant financial remuneration and can like in

744
00:32:22,440 --> 00:32:25,640
Speaker 2: comparison to what you currently have, and you know, if

745
00:32:25,640 --> 00:32:27,920
Speaker 2: it's only going to be short lived, like, can we

746
00:32:28,000 --> 00:32:30,040
Speaker 2: not have the mindset of yet it's going to be hard.

747
00:32:30,320 --> 00:32:32,719
Speaker 2: Like I'm not trying to make this sound easier, but

748
00:32:32,840 --> 00:32:35,479
Speaker 2: like for the next few years, we get a lock in,

749
00:32:35,600 --> 00:32:36,600
Speaker 2: we are going to do this.

750
00:32:37,000 --> 00:32:37,239
Speaker 1: You know.

751
00:32:37,360 --> 00:32:39,880
Speaker 2: My compromise is that I'm going to have to spend

752
00:32:40,040 --> 00:32:42,040
Speaker 2: more time at home because my husband's going to go

753
00:32:42,080 --> 00:32:44,800
Speaker 2: out make big bank. But we've got this cash flow

754
00:32:44,840 --> 00:32:47,120
Speaker 2: plan that means that in the three years that he's

755
00:32:47,160 --> 00:32:49,239
Speaker 2: going to you know, have this job, we are going

756
00:32:49,280 --> 00:32:52,080
Speaker 2: to be in such a better financial situation that we're

757
00:32:52,120 --> 00:32:54,520
Speaker 2: on the same page about it being worth it, And

758
00:32:54,600 --> 00:32:57,040
Speaker 2: like Jess you said before, like you know, if you

759
00:32:57,120 --> 00:32:58,600
Speaker 2: have a bit more free money, you could buy like

760
00:32:58,600 --> 00:33:01,240
Speaker 2: a robot vacuum. In my I was like, okay, cool,

761
00:33:01,760 --> 00:33:04,400
Speaker 2: Let's say that my husband gets this job opportunity of

762
00:33:04,440 --> 00:33:07,160
Speaker 2: a lifetime, which is what you're saying it is, and

763
00:33:07,240 --> 00:33:10,280
Speaker 2: he's going to earn double what he's currently earning. I

764
00:33:10,280 --> 00:33:12,840
Speaker 2: don't think it would be beyond the scope of what's

765
00:33:12,920 --> 00:33:16,000
Speaker 2: reasonable to go. Okay, cool, Yeah, we are maybe financially

766
00:33:16,080 --> 00:33:19,840
Speaker 2: a little bit pressed, but let's spend one hundred and

767
00:33:19,880 --> 00:33:22,160
Speaker 2: fifty bucks a week on a cleaner that comes in

768
00:33:22,240 --> 00:33:25,560
Speaker 2: every week, maybe every Friday, so that you're not spending

769
00:33:25,640 --> 00:33:28,960
Speaker 2: any time on the weekend's cleaning. Like, yes, you might

770
00:33:29,040 --> 00:33:31,800
Speaker 2: do the day to day stuff, but like someone comes

771
00:33:31,840 --> 00:33:33,880
Speaker 2: in and I'm trying to sell you on this, they

772
00:33:33,920 --> 00:33:36,400
Speaker 2: do your bathrooms, They you know, change the sheets of

773
00:33:36,440 --> 00:33:39,120
Speaker 2: the kids' beds, they change your bed they do the

774
00:33:39,160 --> 00:33:42,000
Speaker 2: whole hog. Right, Maybe you find someone who's a bit

775
00:33:42,080 --> 00:33:44,560
Speaker 2: cheap because they take cash, Like I just find what

776
00:33:44,680 --> 00:33:46,960
Speaker 2: works for you. But that might be an investment in

777
00:33:47,000 --> 00:33:48,720
Speaker 2: your mental health, so you don't have to do any

778
00:33:48,720 --> 00:33:50,720
Speaker 2: of that. Then when the weekend comes and your husband

779
00:33:50,840 --> 00:33:53,520
Speaker 2: is home, you're spending really good quality family time together.

780
00:33:53,760 --> 00:33:55,800
Speaker 2: But you're not trying to find time during the week

781
00:33:55,880 --> 00:33:58,000
Speaker 2: either to do the sheets and we'll in it and

782
00:33:58,040 --> 00:34:00,120
Speaker 2: like maybe you're like, oh my goodness, the bathroom some

783
00:34:00,240 --> 00:34:04,200
Speaker 2: intouched in weeks and that can genuinely wake quite heavily

784
00:34:04,240 --> 00:34:08,200
Speaker 2: on you mentally. So I feel like, what compromises could

785
00:34:08,200 --> 00:34:11,880
Speaker 2: you be making? And this again is probably me talking.

786
00:34:12,320 --> 00:34:14,880
Speaker 2: You've got more cash flow, you're financially a little bit

787
00:34:14,880 --> 00:34:17,760
Speaker 2: more comfortable instead of having to do the grocery shopping

788
00:34:17,760 --> 00:34:20,160
Speaker 2: every single week. Are we looking at a food delivery

789
00:34:20,200 --> 00:34:23,520
Speaker 2: service like Marley's Boon where you can have dinner four

790
00:34:23,640 --> 00:34:25,560
Speaker 2: nights a week. It's in the fridge, it's ready to cook.

791
00:34:25,600 --> 00:34:28,200
Speaker 2: So you just do school, pick up, come home and

792
00:34:28,239 --> 00:34:31,880
Speaker 2: start prepping dinner. There's no lack that overwhelming Oh my goodness,

793
00:34:31,960 --> 00:34:33,439
Speaker 2: I don't know what I'm going to cook for dinner.

794
00:34:33,440 --> 00:34:34,759
Speaker 2: I have to go to the super market. That like

795
00:34:35,120 --> 00:34:37,360
Speaker 2: mad rush, Like you're running around like a chicken without

796
00:34:37,360 --> 00:34:39,759
Speaker 2: a head after school, Like what can we do to

797
00:34:39,800 --> 00:34:43,160
Speaker 2: set ourselves up for success? Because I'm kind of I'm

798
00:34:43,200 --> 00:34:45,480
Speaker 2: on the same team. I just think that if it's

799
00:34:45,520 --> 00:34:48,160
Speaker 2: an hour away, we don't need to uproot our whole lives,

800
00:34:48,239 --> 00:34:50,719
Speaker 2: especially if your family is there. We're not moving away

801
00:34:50,719 --> 00:34:52,839
Speaker 2: from them. But what things could we spend a bit

802
00:34:52,880 --> 00:34:55,919
Speaker 2: of money on so that it feels really comfortable during

803
00:34:55,960 --> 00:34:58,799
Speaker 2: that period of time. Or are we just trying to

804
00:34:58,840 --> 00:35:01,279
Speaker 2: change our mindset so that we're like, all right, we're

805
00:35:01,280 --> 00:35:03,279
Speaker 2: locking in for three years. It's going to be a

806
00:35:03,280 --> 00:35:05,919
Speaker 2: bit of a hard hog, but like, look how much

807
00:35:05,920 --> 00:35:07,759
Speaker 2: better off we're going to be. And everyone's just on

808
00:35:07,800 --> 00:35:10,040
Speaker 2: the same page. Yeah, Like what does that look like?

809
00:35:10,480 --> 00:35:12,360
Speaker 2: Did everyone else say when we ask? Oh my goodness,

810
00:35:12,400 --> 00:35:15,239
Speaker 2: so many opinions. So first thing we asked is if

811
00:35:15,239 --> 00:35:17,520
Speaker 2: you were our community member, would you say or move?

812
00:35:17,840 --> 00:35:21,440
Speaker 2: Fifty three percent of you said move. It's more sustainable. Surprising,

813
00:35:21,719 --> 00:35:23,200
Speaker 2: I mean sustainability. I guess it's good.

814
00:35:23,280 --> 00:35:25,440
Speaker 4: But they can hatch the train if that's an option,

815
00:35:25,520 --> 00:35:27,600
Speaker 4: potentially public trainsport.

816
00:35:27,040 --> 00:35:29,359
Speaker 5: And then you can do two things at once. If

817
00:35:29,400 --> 00:35:31,759
Speaker 5: you are like I'm to your more of the mental load. Know,

818
00:35:31,840 --> 00:35:33,879
Speaker 5: if your partner is seeing the train every day, they

819
00:35:33,920 --> 00:35:35,080
Speaker 5: do all the adamint on the train.

820
00:35:35,160 --> 00:35:37,520
Speaker 2: A friend who lives in Ballarat and commutes to the

821
00:35:37,560 --> 00:35:40,560
Speaker 2: city every day and has negotiated in their contract that

822
00:35:40,640 --> 00:35:43,319
Speaker 2: they actually get a nine a m train because there's

823
00:35:43,400 --> 00:35:46,000
Speaker 2: less like people on there because it's like a V line,

824
00:35:46,000 --> 00:35:48,560
Speaker 2: which is more of a regional train, so you're guaranteed

825
00:35:48,560 --> 00:35:51,360
Speaker 2: a spot. Basically, they work for the hour on the

826
00:35:51,480 --> 00:35:54,040
Speaker 2: train on the way there, and they've negotiated with their

827
00:35:54,040 --> 00:35:56,400
Speaker 2: boss that that's in their working time, So they leave

828
00:35:56,440 --> 00:35:59,160
Speaker 2: at four pm and they arrive technically at the office

829
00:35:59,160 --> 00:36:02,400
Speaker 2: at ten am, but they've already done like the two hours,

830
00:36:02,440 --> 00:36:05,919
Speaker 2: so their commute time is Actually, that's great genius, right,

831
00:36:06,239 --> 00:36:06,640
Speaker 2: that's great.

832
00:36:06,680 --> 00:36:07,200
Speaker 5: I think I should be.

833
00:36:07,800 --> 00:36:10,160
Speaker 2: Regional trains have Wi Fi and stuff, so they're fine.

834
00:36:10,239 --> 00:36:13,919
Speaker 2: But like, isn't that smart? So yeah, forty seven percent

835
00:36:14,000 --> 00:36:16,160
Speaker 2: of you said you'd stay and not uproot the kids.

836
00:36:16,320 --> 00:36:18,560
Speaker 2: I feel like we're all like, just stay. I was

837
00:36:18,600 --> 00:36:20,640
Speaker 2: surprised with that split. I thought way more of you

838
00:36:20,680 --> 00:36:23,279
Speaker 2: would say, like, stay, but that's okay. Have you or

839
00:36:23,320 --> 00:36:25,239
Speaker 2: your kids ever had to move school because of a

840
00:36:25,280 --> 00:36:28,520
Speaker 2: parent's job. Forty six percent said no, we never had

841
00:36:28,520 --> 00:36:31,200
Speaker 2: to consider it. Thirty percent said yep, and it was fine.

842
00:36:31,560 --> 00:36:34,080
Speaker 2: Thirteen percent said no, but a parent did the commute

843
00:36:34,120 --> 00:36:37,280
Speaker 2: and eleven percent said yes, and it was a struggle. Okay,

844
00:36:37,440 --> 00:36:41,040
Speaker 2: interesting spread. I moved schools three times. Strug did you

845
00:36:41,080 --> 00:36:45,000
Speaker 2: find it? I think because it was relatively early primary school,

846
00:36:45,040 --> 00:36:47,399
Speaker 2: it wasn't as dramatic as it would have been if

847
00:36:47,400 --> 00:36:49,279
Speaker 2: it was high school. I think in high school I

848
00:36:49,280 --> 00:36:52,040
Speaker 2: would have been very upset to lose my friends. But

849
00:36:52,080 --> 00:36:54,440
Speaker 2: when I was little, like making friends when you're like

850
00:36:54,560 --> 00:36:58,600
Speaker 2: six seven eight is not as hard as teenagers. Yeah,

851
00:36:58,680 --> 00:37:01,120
Speaker 2: And I mean we were moving stay so first we

852
00:37:01,120 --> 00:37:03,360
Speaker 2: were like in Lancestern, and then we moved to a

853
00:37:03,360 --> 00:37:06,920
Speaker 2: place called Sister's Beach in Tasmania. And then from Sister's

854
00:37:07,000 --> 00:37:09,160
Speaker 2: Beach we moved over to Melbourne and then you know,

855
00:37:09,239 --> 00:37:12,000
Speaker 2: found a primary school there. But I do remember my

856
00:37:12,040 --> 00:37:16,399
Speaker 2: friends from each location, but I don't remember it being

857
00:37:16,440 --> 00:37:19,120
Speaker 2: super traumatic. I think my parents worked really hard to

858
00:37:19,120 --> 00:37:22,720
Speaker 2: make it as easy as possible, like as exciting as possible. Yeah,

859
00:37:22,840 --> 00:37:24,960
Speaker 2: I I don't remember being like, oh my god, like

860
00:37:25,040 --> 00:37:27,360
Speaker 2: this is the worst decision ever. I do remember not

861
00:37:27,400 --> 00:37:29,480
Speaker 2: wanting to leave the school because I had my little friends,

862
00:37:29,560 --> 00:37:32,360
Speaker 2: but like mom was like, oh, we'll come back to Tasmania,

863
00:37:32,520 --> 00:37:34,400
Speaker 2: We'll do this or you can keep in touch. And

864
00:37:34,440 --> 00:37:37,799
Speaker 2: I mean my best friend Harriet lived in Tasmania all

865
00:37:37,840 --> 00:37:41,680
Speaker 2: through school. Still best friends. Yeah, like that hasn't really changed.

866
00:37:41,800 --> 00:37:42,000
Speaker 4: Yeah.

867
00:37:42,280 --> 00:37:43,880
Speaker 2: We then went to the community and we said what

868
00:37:44,000 --> 00:37:47,520
Speaker 2: is your two cents? So first person said, smaller towns

869
00:37:47,560 --> 00:37:50,759
Speaker 2: often have a stronger community, for example, like sports to

870
00:37:50,840 --> 00:37:55,200
Speaker 2: keep kids connected. Next person said, my dad was constantly away,

871
00:37:55,200 --> 00:37:57,520
Speaker 2: but we never had to move. In retrospect, my mum

872
00:37:57,560 --> 00:37:59,080
Speaker 2: probably had the hardest time.

873
00:37:59,560 --> 00:38:00,000
Speaker 5: Yeah.

874
00:38:00,200 --> 00:38:03,160
Speaker 2: Next person said, moving a kid in primary schools much

875
00:38:03,160 --> 00:38:06,000
Speaker 2: easier on them than high school, which is exactly what

876
00:38:06,080 --> 00:38:08,480
Speaker 2: I said. I moved schools a few times. It was

877
00:38:08,520 --> 00:38:12,240
Speaker 2: absolutely fine, And unhappy marriage and unhappy parents is definitely

878
00:38:12,280 --> 00:38:13,520
Speaker 2: worse than moving schools.

879
00:38:14,040 --> 00:38:16,040
Speaker 4: I mean, that's a good point. It's a good pointing

880
00:38:16,120 --> 00:38:18,680
Speaker 4: to weigh heavily on you. Then that's something you've got

881
00:38:18,719 --> 00:38:19,839
Speaker 4: to consider to Yeah.

882
00:38:19,880 --> 00:38:22,160
Speaker 2: Someone else said, we did it, and we're currently doing it.

883
00:38:22,160 --> 00:38:24,560
Speaker 2: It turned out to be a better lifestyle for us,

884
00:38:24,600 --> 00:38:28,040
Speaker 2: and we ended up staying. Next person said, teacher here

885
00:38:28,080 --> 00:38:30,880
Speaker 2: a fresh start does wonders for kids. They learn to

886
00:38:30,920 --> 00:38:34,400
Speaker 2: build relationships over time. Yes, so you were saying, Another

887
00:38:34,440 --> 00:38:35,880
Speaker 2: person said, and I'm only going to give you a

888
00:38:35,920 --> 00:38:38,320
Speaker 2: couple more. The commute has one of the biggest effects

889
00:38:38,360 --> 00:38:40,640
Speaker 2: on overall happiness, which I think is why you know, Beck,

890
00:38:40,680 --> 00:38:42,560
Speaker 2: you were saying before, like what could you do during

891
00:38:42,600 --> 00:38:44,239
Speaker 2: that time, Like if they'd a way that you could

892
00:38:44,280 --> 00:38:47,320
Speaker 2: make that commute not so old destroying. Someone else said

893
00:38:47,560 --> 00:38:49,759
Speaker 2: this was me and I actually ended up asking to

894
00:38:49,840 --> 00:38:53,200
Speaker 2: change schools over having to commute. And then the last

895
00:38:53,239 --> 00:38:56,319
Speaker 2: person said, I'm a former army brat. Kids are very

896
00:38:56,400 --> 00:38:59,040
Speaker 2: resilient and we'll make new friends and settle into a

897
00:38:59,080 --> 00:39:00,000
Speaker 2: new school easily.

898
00:39:00,320 --> 00:39:03,239
Speaker 5: There you go, really change, I've really gone one eighty.

899
00:39:03,360 --> 00:39:04,160
Speaker 2: I'm like, you can.

900
00:39:04,160 --> 00:39:05,799
Speaker 5: They should move because yeah, because it's like if you're

901
00:39:05,800 --> 00:39:08,080
Speaker 5: an hour away from your family, that's not too far.

902
00:39:11,320 --> 00:39:14,200
Speaker 2: Family support. Like and I'm just like making this up

903
00:39:14,200 --> 00:39:16,480
Speaker 2: in my head at this point, but like if you're saying, oh,

904
00:39:16,520 --> 00:39:18,440
Speaker 2: we don't want to be far away from family support,

905
00:39:18,520 --> 00:39:20,000
Speaker 2: like there's nothing like being able to pick up a

906
00:39:20,000 --> 00:39:22,320
Speaker 2: phone and be like, hey, Mom, I'm struggling with the kids.

907
00:39:22,600 --> 00:39:24,799
Speaker 2: Can you come over and help after school? Like that's

908
00:39:24,840 --> 00:39:26,960
Speaker 2: not as possible if you're asking your mum or whatever

909
00:39:27,280 --> 00:39:30,239
Speaker 2: to drive an hour for that. So yeah, I don't

910
00:39:30,280 --> 00:39:32,359
Speaker 2: I feel like you just have to do what Jess said.

911
00:39:32,360 --> 00:39:34,000
Speaker 2: Have you done a pros and cons? Lest We love

912
00:39:34,040 --> 00:39:36,919
Speaker 2: a pros and cons? We absolutely do. All right. Well,

913
00:39:37,000 --> 00:39:39,560
Speaker 2: unfortunately that is all we have time for today. That

914
00:39:39,680 --> 00:39:41,120
Speaker 2: is all from us, and we hope you have a

915
00:39:41,160 --> 00:39:43,279
Speaker 2: beautiful weekend and we'll see right nearly on Monday. For

916
00:39:43,320 --> 00:39:52,120
Speaker 2: a money dary. OHI, guys, say, did buy shared on?

917
00:39:52,280 --> 00:39:54,680
Speaker 5: She's on the Money is general in nature and does

918
00:39:54,760 --> 00:39:57,000
Speaker 5: not consider your individual circumstances.

919
00:39:57,320 --> 00:39:59,440
Speaker 2: She's on the Money exists purely for.

920
00:39:59,520 --> 00:40:02,399
Speaker 5: Educational purposes and should not be relied upon to make

921
00:40:02,400 --> 00:40:05,680
Speaker 5: an investment or financial decision. If you do choose to

922
00:40:05,680 --> 00:40:09,000
Speaker 5: buy a financial product, read the PDS TMD and obtain

923
00:40:09,040 --> 00:40:13,480
Speaker 5: appropriate financial advice tailored towards your needs. Victoria Divine and

924
00:40:13,560 --> 00:40:17,000
Speaker 5: Sheese on the Money are authorized representatives of Money Sherper

925
00:40:17,120 --> 00:40:20,120
Speaker 5: Pty lt D A b N three two one IS

926
00:40:20,160 --> 00:40:24,000
Speaker 5: six four nine two seven seven zero eight AFSL four

927
00:40:24,120 --> 00:40:25,600
Speaker 5: five one two eight nine