1
00:00:00,200 --> 00:00:03,240
Speaker 1: My name's Aatasha Bamblet. I'm a proud First Nations woman

2
00:00:03,600 --> 00:00:08,600
Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya Niana,

3
00:00:08,680 --> 00:00:11,920
Speaker 1: kaka ya Ya bin Ahaka Nian our gay In Nimbina

4
00:00:11,960 --> 00:00:17,720
Speaker 1: yakarum jar Dominyama, domaga Itawakaman, damon Imlan bomber bang Gadabomba

5
00:00:17,800 --> 00:00:22,439
Speaker 1: in and now in wakah Ghana yak raum jar Watnadaa. Hello,

6
00:00:22,480 --> 00:00:25,880
Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

7
00:00:26,360 --> 00:00:29,080
Speaker 1: We thank acknowledge and respect the Abigin people's land that

8
00:00:29,120 --> 00:00:31,880
Speaker 1: we're gathering on today. Take pleasure in all the land

9
00:00:32,080 --> 00:00:35,320
Speaker 1: and respect all that you see. She's on the Money

10
00:00:35,360 --> 00:00:41,960
Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

11
00:00:42,400 --> 00:00:44,560
Speaker 1: knowledge and resources for you to thrive.

12
00:00:44,840 --> 00:00:47,600
Speaker 2: She's on the Money. She's on the Money.

13
00:01:07,720 --> 00:01:10,800
Speaker 3: Hello, and welcome to She's on the Money, the podcast

14
00:01:10,840 --> 00:01:13,640
Speaker 3: that lets you be pervy about other people's money stories

15
00:01:13,959 --> 00:01:17,280
Speaker 3: for educational purposes of course. Welcome back to another one

16
00:01:17,319 --> 00:01:19,679
Speaker 3: of our money daries, where I get the absolute pleasure

17
00:01:19,720 --> 00:01:21,480
Speaker 3: of sitting down with one of our Shees on the

18
00:01:21,520 --> 00:01:24,320
Speaker 3: Money community members and talking to them about all the

19
00:01:24,400 --> 00:01:27,839
Speaker 3: nitty gritty details of their money story. Let's jump straight

20
00:01:27,880 --> 00:01:30,360
Speaker 3: into it, because this week I got an email and

21
00:01:30,440 --> 00:01:34,640
Speaker 3: it sounded identical to this dear she's on the money.

22
00:01:34,959 --> 00:01:37,520
Speaker 3: I started working at fourteen, and then I met my

23
00:01:37,800 --> 00:01:41,560
Speaker 3: husband at sixteen. We skipped uni, went straight into full

24
00:01:41,600 --> 00:01:44,880
Speaker 3: time work and saved hard. We were living at home

25
00:01:44,959 --> 00:01:48,320
Speaker 3: and desperately wanted our own space, So at twenty two

26
00:01:48,440 --> 00:01:51,880
Speaker 3: years old, we bought our first home. Then we rented

27
00:01:51,920 --> 00:01:54,480
Speaker 3: it out while we spent four years overseas on the

28
00:01:54,720 --> 00:01:58,280
Speaker 3: ultimate working honeymoon. We came back, sold that house and

29
00:01:58,400 --> 00:02:01,320
Speaker 3: eventually settled into our dream home, and now we have

30
00:02:01,480 --> 00:02:05,160
Speaker 3: two babies. We never thought we were quote good with money,

31
00:02:05,720 --> 00:02:10,120
Speaker 3: but maybe we've done all right after all, money diarist, Yeah,

32
00:02:10,200 --> 00:02:12,320
Speaker 3: you have done all right after all, haven't you.

33
00:02:12,800 --> 00:02:16,040
Speaker 2: Yeah, looking back over it, yes we've done pretty good.

34
00:02:16,639 --> 00:02:19,639
Speaker 3: I am so excited for this money story, like it

35
00:02:19,840 --> 00:02:22,440
Speaker 3: just feels oh. I also just love love, Like I've

36
00:02:22,480 --> 00:02:24,320
Speaker 3: just got so many. When people are like, oh I

37
00:02:24,400 --> 00:02:27,040
Speaker 3: met my partner or my husband or my wife or whatever,

38
00:02:27,480 --> 00:02:29,560
Speaker 3: I'm like, oh, tell me, Like I want the pervy details.

39
00:02:29,639 --> 00:02:32,760
Speaker 3: This isn't like you know, money questions, but like I

40
00:02:32,880 --> 00:02:36,400
Speaker 3: need the dirt. So let's jump into it. Before I

41
00:02:36,520 --> 00:02:39,040
Speaker 3: ask any more pervy questions. I want to know if

42
00:02:39,080 --> 00:02:41,440
Speaker 3: I asked you to give yourself a money grade from

43
00:02:41,520 --> 00:02:43,919
Speaker 3: A three to F, what would you grade yourself?

44
00:02:44,080 --> 00:02:46,920
Speaker 2: I would say a B minus at the moment, B minus.

45
00:02:47,000 --> 00:02:49,040
Speaker 3: All right, let's go with that, And now can you

46
00:02:49,160 --> 00:02:51,360
Speaker 3: tell me a little bit more about the nitty gritty

47
00:02:51,440 --> 00:02:52,400
Speaker 3: of your money story.

48
00:02:52,720 --> 00:02:55,480
Speaker 4: Yeah, so, I guess the first kind of memories of

49
00:02:55,680 --> 00:02:58,720
Speaker 4: money I have is probably as a kid.

50
00:02:59,080 --> 00:03:02,560
Speaker 2: We came from a well, I have two sisters, and

51
00:03:03,440 --> 00:03:04,520
Speaker 2: my dad worked.

52
00:03:04,639 --> 00:03:08,440
Speaker 4: Mom was a stay at home mom, and from stories

53
00:03:08,480 --> 00:03:12,239
Speaker 4: that they've told us, they worked and saved really hard.

54
00:03:12,440 --> 00:03:14,720
Speaker 2: But as kids we wouldn't have known that.

55
00:03:15,280 --> 00:03:20,720
Speaker 4: They instilled that if you want want certain things, you

56
00:03:21,320 --> 00:03:24,480
Speaker 4: work for it, save up and then you can purchase

57
00:03:24,520 --> 00:03:27,239
Speaker 4: it with your own money. So we had chores and

58
00:03:27,320 --> 00:03:31,200
Speaker 4: pocket money and stuff. But it wasn't until I really

59
00:03:31,280 --> 00:03:35,200
Speaker 4: wanted a mobile phone that I guess they put their

60
00:03:35,240 --> 00:03:38,760
Speaker 4: foot down and the only way to get a phone

61
00:03:38,800 --> 00:03:41,160
Speaker 4: at that point was to be able to pay for

62
00:03:41,240 --> 00:03:45,040
Speaker 4: it myself. And so I was actually sixteen when I

63
00:03:45,160 --> 00:03:50,520
Speaker 4: started work, but started working at the glamorous McDonald's.

64
00:03:50,840 --> 00:03:52,839
Speaker 3: No sorry, that's a great first job.

65
00:03:53,120 --> 00:03:57,920
Speaker 2: It is a great person job. And yeah worked therefore

66
00:03:58,600 --> 00:04:02,640
Speaker 2: would be nearly eight years or something like that, but

67
00:04:02,880 --> 00:04:06,320
Speaker 2: mainly to be able to pay for a teeny tiny

68
00:04:06,440 --> 00:04:07,520
Speaker 2: Samsung flip phone.

69
00:04:07,600 --> 00:04:09,080
Speaker 3: I was about to ask, what phone did you want?

70
00:04:09,120 --> 00:04:10,880
Speaker 3: Because you're thirty five and I'm thirty four, so I

71
00:04:10,920 --> 00:04:13,120
Speaker 3: feel like we're on the same page about what phones

72
00:04:13,200 --> 00:04:16,200
Speaker 3: we wanted. So Samsung flip phone. Was that the one

73
00:04:16,240 --> 00:04:20,160
Speaker 3: with the little screen on the front that had the time? Yes, yep, yep, sexy,

74
00:04:20,279 --> 00:04:20,720
Speaker 3: I love it.

75
00:04:20,960 --> 00:04:24,440
Speaker 4: Yes, So yeah, I bought the phone had the prepaid

76
00:04:25,040 --> 00:04:27,599
Speaker 4: credit on it. One of those friends where you freaked

77
00:04:27,600 --> 00:04:29,720
Speaker 4: out if you accidentally hit the internet.

78
00:04:30,080 --> 00:04:31,279
Speaker 2: Because it would suck it all up.

79
00:04:31,640 --> 00:04:34,400
Speaker 3: Oh yeah, don't do that. That's expensive. Yep, yep, yep.

80
00:04:34,440 --> 00:04:37,080
Speaker 3: And also only text your friends after eight pm because like,

81
00:04:37,160 --> 00:04:40,680
Speaker 3: we're not spending fifty five cents on a text, eh, exactly.

82
00:04:41,400 --> 00:04:45,039
Speaker 2: And then I was always a saber. I've always put

83
00:04:45,160 --> 00:04:47,200
Speaker 2: money aside into savings.

84
00:04:47,760 --> 00:04:52,920
Speaker 4: When I finished school, it was the goal was by

85
00:04:53,000 --> 00:04:57,000
Speaker 4: a car, and I did that. We went and got

86
00:04:57,120 --> 00:05:00,680
Speaker 4: a personal loan. It was like a we maybe did

87
00:05:00,760 --> 00:05:03,200
Speaker 4: it as like a ten year personal loan or something,

88
00:05:03,680 --> 00:05:07,440
Speaker 4: and it wasn't a huge amount, probably like eight thousand.

89
00:05:07,760 --> 00:05:08,799
Speaker 4: I mean not a huge amount.

90
00:05:09,279 --> 00:05:11,680
Speaker 2: At eighteen, it's a huge amount, eight thousand dollars.

91
00:05:11,800 --> 00:05:15,120
Speaker 4: But I paid it off within like two or three

92
00:05:15,279 --> 00:05:19,520
Speaker 4: years because everything went to that and I was living

93
00:05:19,600 --> 00:05:21,880
Speaker 4: at home still with mum and.

94
00:05:21,960 --> 00:05:22,839
Speaker 2: Dad at that point.

95
00:05:23,440 --> 00:05:30,120
Speaker 4: Had started dating my now husband at eighteen, and yeah,

96
00:05:30,240 --> 00:05:35,440
Speaker 4: so everything went towards saving and paying off the car loan,

97
00:05:35,800 --> 00:05:39,800
Speaker 4: which we did really quickly, and then it was working

98
00:05:39,880 --> 00:05:43,840
Speaker 4: with my husband to save up for a house. We

99
00:05:45,360 --> 00:05:49,240
Speaker 4: both school was not our thing, so we both deferred

100
00:05:50,000 --> 00:05:53,080
Speaker 4: UNI and then got the taste of full time work

101
00:05:53,160 --> 00:05:56,159
Speaker 4: and full time income and both decided.

102
00:05:55,760 --> 00:06:00,400
Speaker 2: We weren't willing to give that up ever, So we.

103
00:06:01,920 --> 00:06:07,080
Speaker 4: Lived between our parents' houses for two or three years. Well,

104
00:06:07,120 --> 00:06:12,080
Speaker 4: we saved up for a house. We actually never lived together,

105
00:06:12,760 --> 00:06:16,039
Speaker 4: I guess officially lived together until we bought our house,

106
00:06:16,680 --> 00:06:21,440
Speaker 4: but we did do some house sitting to test the

107
00:06:21,520 --> 00:06:23,640
Speaker 4: waters see if we could live together.

108
00:06:23,880 --> 00:06:25,720
Speaker 3: Yeah, that's a good thing to do. So did you

109
00:06:25,800 --> 00:06:28,000
Speaker 3: meet your husband at school or at your job?

110
00:06:28,200 --> 00:06:31,560
Speaker 4: So we met at McDonald's at the age of sixteen,

111
00:06:31,760 --> 00:06:34,640
Speaker 4: working together Maca's Love Stories it is.

112
00:06:35,200 --> 00:06:38,080
Speaker 2: And then started dating when we were eighteen.

113
00:06:38,400 --> 00:06:40,080
Speaker 3: Oh my god, so you knew each other for two

114
00:06:40,200 --> 00:06:42,560
Speaker 3: years before that happened. I need to know, like who

115
00:06:42,640 --> 00:06:44,320
Speaker 3: had a crush on who first? Like did you have

116
00:06:44,360 --> 00:06:46,360
Speaker 3: a crush on each other the whole time? Or like

117
00:06:46,560 --> 00:06:48,840
Speaker 3: how did it become We knew each other for two

118
00:06:48,920 --> 00:06:50,440
Speaker 3: years and then we started dating.

119
00:06:50,720 --> 00:06:53,120
Speaker 4: Yeah, so I think we were just in like the

120
00:06:53,200 --> 00:06:56,440
Speaker 4: same kind of friendship group at McDonald's and then it

121
00:06:56,960 --> 00:06:59,479
Speaker 4: just blossomed from there at some point.

122
00:06:59,800 --> 00:07:03,440
Speaker 2: I can't really remember who had a crush on who first,

123
00:07:04,279 --> 00:07:05,200
Speaker 2: but that's cute.

124
00:07:05,680 --> 00:07:07,720
Speaker 3: And then tell me a little bit more about that.

125
00:07:07,880 --> 00:07:10,760
Speaker 3: So you like bought your first house, Like when did

126
00:07:10,840 --> 00:07:12,880
Speaker 3: you get married, because you said that, you know, you

127
00:07:12,960 --> 00:07:16,040
Speaker 3: went on the ultimate working honeymoon. How old were you

128
00:07:16,160 --> 00:07:18,080
Speaker 3: when you guys were like, okay, let's get married.

129
00:07:18,280 --> 00:07:20,880
Speaker 4: Yeah, So we bought our house at twenty two back

130
00:07:20,920 --> 00:07:25,000
Speaker 4: in twenty eleven, just before he turned twenty one, and

131
00:07:25,200 --> 00:07:29,920
Speaker 4: then we decided to get married in twenty fourteen. Because

132
00:07:30,520 --> 00:07:34,840
Speaker 4: the plan was always to travel, the timing of it

133
00:07:35,040 --> 00:07:40,200
Speaker 4: was never certain until we decided it was better to

134
00:07:40,560 --> 00:07:41,360
Speaker 4: get into.

135
00:07:41,160 --> 00:07:45,480
Speaker 2: The property market first. So we actually actually got that

136
00:07:45,600 --> 00:07:49,400
Speaker 2: advice from another McDonald's manager when I was out on

137
00:07:49,520 --> 00:07:51,440
Speaker 2: a course and he was like, no, get into the

138
00:07:51,520 --> 00:07:55,000
Speaker 2: property market first, then rented out and travel And so

139
00:07:55,120 --> 00:07:57,480
Speaker 2: I took the advice of a random maca's manager.

140
00:07:57,960 --> 00:08:00,360
Speaker 3: You know what, sometimes it works sometimes.

141
00:08:00,800 --> 00:08:02,200
Speaker 2: And it worked out beautifully.

142
00:08:02,440 --> 00:08:06,880
Speaker 4: So we rented the house out from twenty fourteen to

143
00:08:07,000 --> 00:08:11,840
Speaker 4: twenty and eighteen, and in that time we spent two

144
00:08:11,920 --> 00:08:16,600
Speaker 4: years living in London jumping about Europe. The rent covered

145
00:08:17,320 --> 00:08:19,080
Speaker 4: the mortgage plus a little bit.

146
00:08:19,240 --> 00:08:20,559
Speaker 3: Oh my god, how good.

147
00:08:21,120 --> 00:08:24,520
Speaker 4: Like I say, we feel really lucky, but we obviously

148
00:08:24,640 --> 00:08:28,040
Speaker 4: worked hard. I don't like to say we feel lucky

149
00:08:28,320 --> 00:08:31,880
Speaker 4: that the timing all just worked out really well, but

150
00:08:32,000 --> 00:08:35,719
Speaker 4: we worked hard to get to that point and then

151
00:08:35,760 --> 00:08:38,200
Speaker 4: it all just kind of fell into place, which was lovely.

152
00:08:38,440 --> 00:08:41,080
Speaker 4: So we had two years in London jumping about Europe

153
00:08:41,480 --> 00:08:43,760
Speaker 4: and then weren't ready to come home. So then we

154
00:08:43,840 --> 00:08:48,960
Speaker 4: spent two years in Vancouver, jumping about Canada and enjoying

155
00:08:49,520 --> 00:08:53,600
Speaker 4: life over there. The house was rented out. We did

156
00:08:53,679 --> 00:08:58,240
Speaker 4: get burned by a few tenants, but it all ended

157
00:08:58,320 --> 00:08:59,079
Speaker 4: up working out.

158
00:08:59,160 --> 00:09:01,720
Speaker 2: It was just the lidists of dealing with real estate

159
00:09:01,760 --> 00:09:04,040
Speaker 2: agents in a different time zone.

160
00:09:04,240 --> 00:09:06,400
Speaker 3: Yeah, so talk to me when you were living in

161
00:09:06,520 --> 00:09:09,040
Speaker 3: London and then in Vancouver. What kind of work did

162
00:09:09,120 --> 00:09:09,319
Speaker 3: you do?

163
00:09:09,679 --> 00:09:13,319
Speaker 2: So I was doing admin work. I'd actually done a

164
00:09:13,440 --> 00:09:16,679
Speaker 2: diploma of HR management because I thought that was the

165
00:09:16,840 --> 00:09:19,319
Speaker 2: career I wanted. Spoiler, it's not.

166
00:09:21,440 --> 00:09:21,840
Speaker 3: That's okay.

167
00:09:22,160 --> 00:09:24,520
Speaker 4: You were a baby, Yeah, I was a baby and

168
00:09:24,640 --> 00:09:29,360
Speaker 4: my husband was working for an Australian tour company which

169
00:09:29,760 --> 00:09:34,160
Speaker 4: very conveniently provided some discounted tours for us.

170
00:09:34,640 --> 00:09:37,400
Speaker 3: Oh, how good you guys? Had it worked out?

171
00:09:37,960 --> 00:09:38,319
Speaker 2: We did?

172
00:09:38,840 --> 00:09:42,520
Speaker 4: Yes, we were very very lucky with the timing of

173
00:09:42,600 --> 00:09:47,719
Speaker 4: everything as well, because after living in Vancouver for the

174
00:09:47,840 --> 00:09:51,199
Speaker 4: two years, we came back to Australia in October of

175
00:09:51,280 --> 00:09:55,640
Speaker 4: twenty eighteen, just before the world descended into mayhem.

176
00:09:56,080 --> 00:09:58,640
Speaker 3: I was about to say, what good timing to then

177
00:09:58,800 --> 00:10:01,360
Speaker 3: get to go into lockdown, But I feel like it

178
00:10:01,400 --> 00:10:05,280
Speaker 3: would have been more stressful to go into lockdown overseas.

179
00:10:05,679 --> 00:10:06,880
Speaker 2: Oh one hundred percent.

180
00:10:07,440 --> 00:10:10,760
Speaker 4: I look at it now and go, Thank heavens we

181
00:10:10,920 --> 00:10:15,920
Speaker 4: got the travel in that we did, especially for how

182
00:10:16,240 --> 00:10:18,679
Speaker 4: cheap it was to travel around Europe. Were used to

183
00:10:18,800 --> 00:10:21,960
Speaker 4: have a look at Skyscanner and go, oh, look there's

184
00:10:22,440 --> 00:10:24,680
Speaker 4: a ten pound flight to Switzerland.

185
00:10:25,120 --> 00:10:27,640
Speaker 2: Then you look around at work and go does anyone

186
00:10:27,679 --> 00:10:29,240
Speaker 2: want to go to Switzerland for the weekend?

187
00:10:29,920 --> 00:10:35,120
Speaker 3: Stop it? But that's so cool. Like my best friend

188
00:10:35,240 --> 00:10:38,280
Speaker 3: or one of my best friends, Rosie lives in London

189
00:10:38,320 --> 00:10:40,440
Speaker 3: at the moment, and she does like she's just come

190
00:10:40,520 --> 00:10:43,160
Speaker 3: back from Sardinia. Like I look at her. We have

191
00:10:43,320 --> 00:10:45,839
Speaker 3: such different lives, but I watch her on with so

192
00:10:46,040 --> 00:10:48,520
Speaker 3: much envy because she's like, yeah, like, my friend and

193
00:10:48,559 --> 00:10:50,199
Speaker 3: I are just going to go to Sardinia for the weekend.

194
00:10:50,240 --> 00:10:52,160
Speaker 3: I've taken an extra two days off work. And I'm like,

195
00:10:52,520 --> 00:10:54,679
Speaker 3: imagine if that was my reality, Like you can just

196
00:10:54,800 --> 00:10:56,640
Speaker 3: do that? And she's like yeah, yeah, yeah. We got

197
00:10:56,679 --> 00:10:59,480
Speaker 3: some cheap flights and we found a cute resort. I'm like, what,

198
00:11:00,160 --> 00:11:02,679
Speaker 3: like that would be my annual holiday.

199
00:11:03,920 --> 00:11:06,959
Speaker 4: It was something we had to learn really quickly in

200
00:11:07,160 --> 00:11:11,480
Speaker 4: terms of money, because we went from being paid weekly

201
00:11:11,679 --> 00:11:15,640
Speaker 4: here in Australia two monthly in London. And the first

202
00:11:15,720 --> 00:11:19,040
Speaker 4: few months we would go, oh, we are rich, and

203
00:11:19,160 --> 00:11:21,760
Speaker 4: we'd book all these trips and then the trip would

204
00:11:21,760 --> 00:11:22,280
Speaker 4: come around and.

205
00:11:22,320 --> 00:11:26,040
Speaker 2: We'd be like, oh, we're poor. We got nothing. We

206
00:11:26,240 --> 00:11:28,920
Speaker 2: got nothing to spend here in the country.

207
00:11:29,240 --> 00:11:33,800
Speaker 4: So we would stay in youth hostels and first time

208
00:11:34,000 --> 00:11:36,559
Speaker 4: it was we'd make a ham and cheese sandwich and

209
00:11:36,600 --> 00:11:39,520
Speaker 4: wrap it in a napkin. After a couple of months

210
00:11:39,559 --> 00:11:41,719
Speaker 4: of doing that, I just took a SnapLock bag in

211
00:11:41,840 --> 00:11:43,800
Speaker 4: my handbag and we'd put the.

212
00:11:43,800 --> 00:11:46,880
Speaker 2: Ham and cheese sandwiches in the snaplot bag, so lunch

213
00:11:47,040 --> 00:11:47,679
Speaker 2: was done for the day.

214
00:11:47,800 --> 00:11:50,360
Speaker 3: I don't know if you're following me on social media,

215
00:11:50,640 --> 00:11:54,240
Speaker 3: but yes, I still do that. My son, my husband

216
00:11:54,280 --> 00:11:56,520
Speaker 3: and I went on holiday to Bali recently and I

217
00:11:56,600 --> 00:11:58,080
Speaker 3: took his whole damn lunch box.

218
00:11:58,559 --> 00:11:58,959
Speaker 2: Perfect.

219
00:12:00,000 --> 00:12:01,440
Speaker 3: But I just feel like, you do what you got

220
00:12:01,520 --> 00:12:03,360
Speaker 3: to do to save some money. And don't get me wrong,

221
00:12:03,400 --> 00:12:06,840
Speaker 3: could I afford lunch like now? Yes, But old habits

222
00:12:06,920 --> 00:12:07,760
Speaker 3: die hard.

223
00:12:08,120 --> 00:12:09,480
Speaker 2: If you're not making the most of it.

224
00:12:10,320 --> 00:12:14,120
Speaker 4: So we came back and I found a job where

225
00:12:14,160 --> 00:12:19,520
Speaker 4: I am now as an executive assistant, and researched a

226
00:12:19,640 --> 00:12:23,000
Speaker 4: company that had good maternity leave because the plan was

227
00:12:23,080 --> 00:12:26,280
Speaker 4: always to start a family. Once we arrived back in

228
00:12:26,360 --> 00:12:29,679
Speaker 4: Australia and got settled back into the house that was

229
00:12:29,800 --> 00:12:35,200
Speaker 4: rented out, so October twenty eighteen to January twenty nineteen

230
00:12:35,320 --> 00:12:40,240
Speaker 4: we were living at my parents' place, which was a

231
00:12:40,320 --> 00:12:42,679
Speaker 4: shock to the system and we were ready to get

232
00:12:42,760 --> 00:12:47,959
Speaker 4: back into our own space by January and then so

233
00:12:48,280 --> 00:12:51,840
Speaker 4: worked for a year. The company I worked for had

234
00:12:52,440 --> 00:12:55,080
Speaker 4: I think it's a pretty good maternity leaf policy.

235
00:12:56,400 --> 00:13:00,040
Speaker 2: So I was able to do that and then and

236
00:13:00,559 --> 00:13:06,000
Speaker 2: we had our baby girl in May of twenty twenty. Congrats,

237
00:13:06,440 --> 00:13:07,840
Speaker 2: right in the middle of lockdown.

238
00:13:08,360 --> 00:13:10,160
Speaker 3: Oh my gosh, that would have been a fun time.

239
00:13:10,360 --> 00:13:12,280
Speaker 2: Yeap. I came in and out of the hospital. I

240
00:13:12,360 --> 00:13:15,440
Speaker 2: had to visit it while I was in labor. Three times.

241
00:13:15,640 --> 00:13:18,800
Speaker 4: I went in and out from home and they like

242
00:13:18,960 --> 00:13:21,559
Speaker 4: checked my temperature and I'm like, I'm in act, like

243
00:13:21,720 --> 00:13:23,359
Speaker 4: I'm proper having contractions.

244
00:13:23,440 --> 00:13:25,040
Speaker 2: I've not been anywhere but home.

245
00:13:25,720 --> 00:13:28,080
Speaker 3: Oh my god. I don't know what I would have done,

246
00:13:28,360 --> 00:13:31,960
Speaker 3: like having now gone through labor and like the whole process,

247
00:13:32,280 --> 00:13:34,280
Speaker 3: like the idea that women had to go through that

248
00:13:34,480 --> 00:13:37,080
Speaker 3: and what girl, you are stronger than me. I think

249
00:13:37,120 --> 00:13:38,400
Speaker 3: I would have had a mental breakdown.

250
00:13:38,559 --> 00:13:42,080
Speaker 2: Oh I thank heavens. The hospital we were in didn't

251
00:13:42,400 --> 00:13:45,880
Speaker 2: restrict partners, so my husband was there. I don't think

252
00:13:45,880 --> 00:13:48,960
Speaker 2: I could have done it without him. And we were

253
00:13:49,000 --> 00:13:52,400
Speaker 2: really lucky in that for the majority of the pregnancy

254
00:13:52,600 --> 00:13:55,520
Speaker 2: there was no restriction on him coming to ultrasounds or

255
00:13:55,960 --> 00:13:57,440
Speaker 2: ob checkups or anything.

256
00:13:57,640 --> 00:14:01,079
Speaker 4: So he didn't really except for maybe the last like

257
00:14:01,440 --> 00:14:05,960
Speaker 4: four weeks. He didn't miss out on that experience, which

258
00:14:06,080 --> 00:14:06,440
Speaker 4: was good.

259
00:14:06,679 --> 00:14:09,160
Speaker 3: Oh, I'm glad because it's like not the case for

260
00:14:09,320 --> 00:14:11,760
Speaker 3: so many women, and like, I feel like so many

261
00:14:11,840 --> 00:14:14,280
Speaker 3: people in our community are still holding trauma over that,

262
00:14:14,640 --> 00:14:17,120
Speaker 3: and like that's just it's just rough, And whenever I

263
00:14:17,200 --> 00:14:19,600
Speaker 3: hear it, I'm like, I don't know how you got

264
00:14:19,640 --> 00:14:22,760
Speaker 3: through that, but I'm proud of you. So May twenty twenty,

265
00:14:22,840 --> 00:14:24,800
Speaker 3: you had a daughter. Did you go back to work

266
00:14:24,880 --> 00:14:25,200
Speaker 3: after that?

267
00:14:25,520 --> 00:14:27,960
Speaker 2: So? I took twelve months maternity leave.

268
00:14:28,440 --> 00:14:33,440
Speaker 4: I ended up going back slightly early for strategic reasons.

269
00:14:34,160 --> 00:14:38,320
Speaker 4: We were coming up to Easter an Zach Day, public holidays,

270
00:14:38,440 --> 00:14:41,680
Speaker 4: so I returned like two or three weeks early so

271
00:14:41,840 --> 00:14:45,360
Speaker 4: that I could ease into it with the public holidays

272
00:14:45,440 --> 00:14:46,560
Speaker 4: and get paid for those.

273
00:14:47,120 --> 00:14:50,760
Speaker 3: Smart girl. Yeah you a strategy, queen, Yes.

274
00:14:52,000 --> 00:14:55,400
Speaker 4: And then so I returned to work on a flexible

275
00:14:55,440 --> 00:14:59,880
Speaker 4: work arrangement three days a week. I was doing thirty hours,

276
00:15:00,600 --> 00:15:03,720
Speaker 4: and because we were still in pretty much in and

277
00:15:03,880 --> 00:15:08,040
Speaker 4: out of lockdowns, the office wasn't fully opened, I was

278
00:15:08,240 --> 00:15:13,000
Speaker 4: able to work a couple of hours while my daughter

279
00:15:13,280 --> 00:15:16,800
Speaker 4: was napping on my off days to make up the

280
00:15:16,920 --> 00:15:19,640
Speaker 4: thirty hours rather than doing three ten hour days.

281
00:15:19,840 --> 00:15:22,480
Speaker 3: Good girl, I love that. And you said you have

282
00:15:22,640 --> 00:15:24,960
Speaker 3: two babies. When did number two come along?

283
00:15:25,200 --> 00:15:27,720
Speaker 2: Number two came along in July twenty twenty two.

284
00:15:28,360 --> 00:15:31,280
Speaker 3: Exciting. What age gap is that? That's like twenty two

285
00:15:31,360 --> 00:15:34,160
Speaker 3: years two months, two years two. I'm like twenty months

286
00:15:34,280 --> 00:15:38,440
Speaker 3: or twenty six months? Yeah, good job, how exciting? What's

287
00:15:38,520 --> 00:15:39,160
Speaker 3: that age gap?

288
00:15:39,400 --> 00:15:43,920
Speaker 2: Like? It was really hard to begin with. I think

289
00:15:44,120 --> 00:15:48,920
Speaker 2: my algorithm told me that going from zero to one

290
00:15:49,160 --> 00:15:52,880
Speaker 2: was harder than going from one to two. I don't agree.

291
00:15:53,160 --> 00:15:56,520
Speaker 4: Going from one to two was much much more of

292
00:15:56,600 --> 00:16:00,680
Speaker 4: a shock wake up call than it was zero to one.

293
00:16:01,040 --> 00:16:04,160
Speaker 2: But I did have a unicorn baby first, so she

294
00:16:05,240 --> 00:16:07,320
Speaker 2: slept well. She was very chill.

295
00:16:07,560 --> 00:16:09,280
Speaker 3: If you don't know that at the time, do you

296
00:16:09,480 --> 00:16:10,480
Speaker 3: just think that's parenting?

297
00:16:11,840 --> 00:16:14,240
Speaker 4: And I was like, oh, like I was able to

298
00:16:14,920 --> 00:16:18,760
Speaker 4: bake and exercise and have my rest and keep the

299
00:16:18,840 --> 00:16:19,480
Speaker 4: house in order.

300
00:16:19,560 --> 00:16:23,560
Speaker 2: And then two of them. I was like, yeah, no, this,

301
00:16:24,080 --> 00:16:27,160
Speaker 2: you need to lower your expectations. I love that.

302
00:16:27,320 --> 00:16:29,080
Speaker 3: I was talking to one of my girlfriends the other

303
00:16:29,160 --> 00:16:32,120
Speaker 3: day who has three, and she's always just been this

304
00:16:32,320 --> 00:16:35,560
Speaker 3: like superhero mum right like, and she's had relatively good kids,

305
00:16:36,040 --> 00:16:38,360
Speaker 3: and like she'd always say things like, oh my god,

306
00:16:38,480 --> 00:16:40,840
Speaker 3: like you know, I'm just really trying so hard to

307
00:16:40,920 --> 00:16:43,480
Speaker 3: be a good parent. It's really paying off forever. Her

308
00:16:43,560 --> 00:16:47,160
Speaker 3: third kid is now what eleven months old, and has

309
00:16:47,280 --> 00:16:51,160
Speaker 3: humbled her Like She's like, no, none of that was me.

310
00:16:51,440 --> 00:16:53,160
Speaker 3: None of that was me. We just had two really

311
00:16:53,200 --> 00:16:55,560
Speaker 3: good kids, and I was deluded into having a third,

312
00:16:55,640 --> 00:16:57,320
Speaker 3: and I love them to the edge of the earth.

313
00:16:57,440 --> 00:16:59,280
Speaker 3: But also, what the hell is this?

314
00:17:00,360 --> 00:17:01,960
Speaker 2: Yes, I can empathize with that.

315
00:17:02,640 --> 00:17:05,320
Speaker 3: I feel like that that sounds reasonable. Maybe I should

316
00:17:05,359 --> 00:17:07,760
Speaker 3: introduce the two of you to share some trauma. And

317
00:17:07,880 --> 00:17:09,800
Speaker 3: now take us up to today. Did you go back

318
00:17:09,840 --> 00:17:11,280
Speaker 3: to work after your second baby?

319
00:17:11,520 --> 00:17:13,040
Speaker 2: Yeah, so I went back to work.

320
00:17:14,240 --> 00:17:17,119
Speaker 4: So I'm back at work now full time, but I

321
00:17:17,200 --> 00:17:20,960
Speaker 4: have still on a flexible work arrangement where I work

322
00:17:21,080 --> 00:17:23,000
Speaker 4: full time hours in four days.

323
00:17:23,440 --> 00:17:24,159
Speaker 3: Oh nice.

324
00:17:24,720 --> 00:17:26,119
Speaker 2: Yeah, so we've kind of said it.

325
00:17:26,520 --> 00:17:31,480
Speaker 4: I had my set of values for how I pictured

326
00:17:32,280 --> 00:17:37,240
Speaker 4: mothering and parenting, and my limit for daycare was three days,

327
00:17:37,960 --> 00:17:40,960
Speaker 4: so I only wanted them in some sort of care

328
00:17:41,080 --> 00:17:45,240
Speaker 4: for three days at most. And we my husband and

329
00:17:45,280 --> 00:17:49,399
Speaker 4: I have worked together to make it that I have

330
00:17:50,000 --> 00:17:52,240
Speaker 4: one day off a week, he has one day off

331
00:17:52,320 --> 00:17:53,000
Speaker 4: with them a week.

332
00:17:53,880 --> 00:17:57,320
Speaker 2: Then my eldest is kindy age, so she is in

333
00:17:57,760 --> 00:18:00,719
Speaker 2: a kindy three days a week, and then my youngest

334
00:18:00,960 --> 00:18:02,520
Speaker 2: is at daycare two days.

335
00:18:02,680 --> 00:18:05,760
Speaker 4: And then we're very lucky to have the support of

336
00:18:05,840 --> 00:18:08,320
Speaker 4: our grandparents or their grandparents.

337
00:18:08,520 --> 00:18:09,040
Speaker 1: My parents.

338
00:18:09,600 --> 00:18:11,480
Speaker 2: The grandparents are around.

339
00:18:11,280 --> 00:18:15,879
Speaker 4: To look after them during school holidays and on the

340
00:18:16,000 --> 00:18:19,240
Speaker 4: one day that my youngest isn't at daycare, and my

341
00:18:19,359 --> 00:18:22,320
Speaker 4: eldest got that because everything was shut.

342
00:18:22,200 --> 00:18:23,960
Speaker 2: Down when she started daycare.

343
00:18:24,640 --> 00:18:28,119
Speaker 4: She actually had alternating days with the grandparents when I

344
00:18:28,160 --> 00:18:29,919
Speaker 4: first went back to work with her.

345
00:18:30,080 --> 00:18:32,159
Speaker 3: I feel like you've got your village sorted. That is

346
00:18:32,200 --> 00:18:33,440
Speaker 3: a good position to be in.

347
00:18:33,760 --> 00:18:36,840
Speaker 4: We have a really beautiful village of people who are

348
00:18:36,920 --> 00:18:39,760
Speaker 4: happy to jump in and help, not just family, but

349
00:18:39,960 --> 00:18:44,480
Speaker 4: friends as well. A little side story is so I

350
00:18:44,520 --> 00:18:49,760
Speaker 4: had a beautiful home birth with my second of really yeah, beautiful.

351
00:18:50,040 --> 00:18:54,400
Speaker 4: Loved it, everything went smooth, loved not having to get

352
00:18:54,440 --> 00:18:59,160
Speaker 4: in the car, was having contractions, and then six weeks postpartum,

353
00:18:59,480 --> 00:19:00,320
Speaker 4: my opinion.

354
00:19:00,359 --> 00:19:02,160
Speaker 3: Gave up or getting the bin.

355
00:19:03,480 --> 00:19:04,400
Speaker 2: It didn't go in the bin.

356
00:19:06,480 --> 00:19:11,159
Speaker 4: So it gave up and I had to rally the

357
00:19:11,240 --> 00:19:16,600
Speaker 4: troops basically to help because so she is six weeks old.

358
00:19:17,119 --> 00:19:20,520
Speaker 2: Luckily I had like a freezer supply of breast milk.

359
00:19:20,640 --> 00:19:22,880
Speaker 3: I was gonna say, were you breastfeeding as well, because

360
00:19:22,920 --> 00:19:25,320
Speaker 3: that would have thrown your breastfeeding into a spin, especially

361
00:19:25,400 --> 00:19:27,720
Speaker 3: with like all the medications and sedation, and like, oh

362
00:19:27,840 --> 00:19:30,159
Speaker 3: my god, no, like that's all my head went to.

363
00:19:31,040 --> 00:19:35,840
Speaker 2: Yeah, first thing I packed breast fun The nurses were like.

364
00:19:35,920 --> 00:19:38,800
Speaker 3: You're mad, I am, but also this is important to me.

365
00:19:38,960 --> 00:19:41,719
Speaker 3: And it's funny because before you said something that resonated

366
00:19:41,800 --> 00:19:44,480
Speaker 3: with me. You said I had this idea of what

367
00:19:44,640 --> 00:19:46,800
Speaker 3: I wanted my parenting journey to be like. And that's

368
00:19:46,840 --> 00:19:49,320
Speaker 3: exactly like me, Like there's no right, there's no wrong,

369
00:19:49,760 --> 00:19:52,680
Speaker 3: but like I'm the same as you and my husband,

370
00:19:52,720 --> 00:19:54,440
Speaker 3: and I've worked out how we both have a full

371
00:19:54,480 --> 00:19:56,040
Speaker 3: day off a week so that we can both have

372
00:19:56,160 --> 00:19:58,560
Speaker 3: Harvey that day. And like at the moment, he's still

373
00:19:58,600 --> 00:20:01,880
Speaker 3: only what like nineteen months old, so then he goes

374
00:20:01,920 --> 00:20:04,239
Speaker 3: to one of his grandparents on another day and then

375
00:20:04,280 --> 00:20:06,919
Speaker 3: he just does two days daycare And is that right

376
00:20:07,040 --> 00:20:07,320
Speaker 3: or wrong?

377
00:20:07,640 --> 00:20:07,680
Speaker 2: No?

378
00:20:08,080 --> 00:20:11,040
Speaker 3: But that's in my head what I liked the idea

379
00:20:11,160 --> 00:20:13,320
Speaker 3: of and you said, I liked the idea of three

380
00:20:13,400 --> 00:20:15,560
Speaker 3: days and pop off queen. But I love that we

381
00:20:15,640 --> 00:20:17,960
Speaker 3: can have these conversations because it's not like you know

382
00:20:18,080 --> 00:20:19,920
Speaker 3: the right thing to do is ex because there's no

383
00:20:20,119 --> 00:20:22,680
Speaker 3: right or wrong, but like, that's what makes me feel

384
00:20:22,720 --> 00:20:23,800
Speaker 3: comfortable as a parent.

385
00:20:24,240 --> 00:20:25,600
Speaker 2: Exactly, it's what's right for you.

386
00:20:25,920 --> 00:20:29,280
Speaker 3: And if breastfeeding while you're pumping while you're in the

387
00:20:29,359 --> 00:20:31,280
Speaker 3: hospital for your appendix is what you want to do,

388
00:20:31,560 --> 00:20:32,480
Speaker 3: pop off queen.

389
00:20:33,160 --> 00:20:38,280
Speaker 4: And so we rally the village had someone dropping off

390
00:20:38,359 --> 00:20:40,119
Speaker 4: newborn bottles.

391
00:20:40,480 --> 00:20:41,640
Speaker 2: Had lucky.

392
00:20:41,720 --> 00:20:43,879
Speaker 4: I have a friend who's a paramedic nurse, so she

393
00:20:44,240 --> 00:20:46,520
Speaker 4: taught me how to hospital because I didn't know. I

394
00:20:46,680 --> 00:20:48,399
Speaker 4: rocked up at the hospital and I was like with

395
00:20:48,560 --> 00:20:50,400
Speaker 4: my mom, I'm like, I don't know how to hospital.

396
00:20:50,880 --> 00:20:52,440
Speaker 2: Where do I go? What do I do?

397
00:20:52,840 --> 00:20:55,800
Speaker 3: I wouldn't know either, And also I don't like it either.

398
00:20:56,240 --> 00:20:59,680
Speaker 4: No, and so, and we had friends come over to

399
00:20:59,800 --> 00:21:05,280
Speaker 4: keep my eldest company, had people to come relieve my husband.

400
00:21:05,720 --> 00:21:09,800
Speaker 2: Like it was just it showed me how important it

401
00:21:09,880 --> 00:21:10,800
Speaker 2: is to have a village.

402
00:21:11,320 --> 00:21:14,040
Speaker 3: Good job. A good job. All right, So you've got

403
00:21:14,200 --> 00:21:17,240
Speaker 3: two babies. Currently you do four days per week, but

404
00:21:17,400 --> 00:21:21,520
Speaker 3: full time hours three days daycare village around you. Tell

405
00:21:21,600 --> 00:21:23,640
Speaker 3: me what do your husband and you do for work?

406
00:21:23,920 --> 00:21:25,600
Speaker 3: But you've got this great flexibility.

407
00:21:25,880 --> 00:21:28,000
Speaker 2: Yeah. So I'm an executive assistant.

408
00:21:28,440 --> 00:21:32,720
Speaker 4: I mainly work from home at the moment, although I

409
00:21:32,840 --> 00:21:35,840
Speaker 4: think that will change at some point and I won't

410
00:21:35,880 --> 00:21:38,320
Speaker 4: be stoked about it because I love working from home.

411
00:21:38,760 --> 00:21:40,560
Speaker 2: But I get the job done and I do it well.

412
00:21:41,280 --> 00:21:45,959
Speaker 2: And my husband is a senior relationship manager.

413
00:21:46,040 --> 00:21:51,159
Speaker 4: Now he's just been promoted, which is awesome for a

414
00:21:51,359 --> 00:21:52,320
Speaker 4: finance company.

415
00:21:52,600 --> 00:21:53,920
Speaker 2: So hey, that's cool.

416
00:21:53,920 --> 00:21:55,400
Speaker 3: And neither of you wanted to go to UNI.

417
00:21:55,680 --> 00:21:57,280
Speaker 2: No, no, none of us.

418
00:21:57,840 --> 00:21:59,480
Speaker 3: What kind of incomes are you earning?

419
00:21:59,800 --> 00:22:00,159
Speaker 2: What like?

420
00:22:00,280 --> 00:22:01,720
Speaker 3: As an EA, what do you earn? And then what

421
00:22:01,760 --> 00:22:02,600
Speaker 3: does your husband earn?

422
00:22:02,800 --> 00:22:03,000
Speaker 2: Yeah?

423
00:22:03,080 --> 00:22:08,600
Speaker 4: So I am on ninety eight thousand a year and

424
00:22:08,760 --> 00:22:12,600
Speaker 4: that's with twelve percent superincluded, I believe.

425
00:22:13,800 --> 00:22:17,440
Speaker 2: And then my husband, I think he's on about one hundred.

426
00:22:17,200 --> 00:22:22,160
Speaker 4: And fifteen full time, but he only works four days

427
00:22:22,160 --> 00:22:24,520
Speaker 4: a week, so minus twenty percent of that.

428
00:22:24,880 --> 00:22:28,200
Speaker 3: Yeah cool, Oh my god, I love this. So tell

429
00:22:28,240 --> 00:22:31,119
Speaker 3: me a bit more. Like you obviously have a good income,

430
00:22:31,200 --> 00:22:33,720
Speaker 3: You've got your two babies. You've had a very good,

431
00:22:34,040 --> 00:22:36,600
Speaker 3: like I would say, trajectory of like being able to

432
00:22:36,680 --> 00:22:38,560
Speaker 3: travel and come back and own your house. Like what

433
00:22:38,680 --> 00:22:41,560
Speaker 3: a little dream? How good? What are your next big

434
00:22:41,640 --> 00:22:44,320
Speaker 3: money goals? Cause, like, you're not planning for a wedding?

435
00:22:44,720 --> 00:22:47,320
Speaker 3: Are you two and done? Are we planning for more babies?

436
00:22:47,520 --> 00:22:47,560
Speaker 2: Like?

437
00:22:47,680 --> 00:22:49,639
Speaker 3: I feel rude asking, but then I'm also like, low,

438
00:22:49,680 --> 00:22:52,160
Speaker 3: it's anonymous. I can ask these questions without it being

439
00:22:52,280 --> 00:22:55,200
Speaker 3: rude because it's actually a finance one. Tell me about

440
00:22:55,280 --> 00:22:57,760
Speaker 3: what does the future money goal thing look like?

441
00:22:58,280 --> 00:23:03,119
Speaker 2: Yeah, so two we are done because we have purchased

442
00:23:03,160 --> 00:23:04,920
Speaker 2: a caravan with two bunk beds.

443
00:23:05,040 --> 00:23:07,040
Speaker 3: Okay, we're done. Yeah, we don't actually have any more

444
00:23:07,080 --> 00:23:09,200
Speaker 3: space on top and tailing there'd be too much fighting.

445
00:23:09,400 --> 00:23:10,240
Speaker 2: Yeah. So that was the.

446
00:23:11,720 --> 00:23:14,240
Speaker 4: That was aciding pact. And though we were always planning

447
00:23:14,320 --> 00:23:17,560
Speaker 4: to and done. So big money goal at the moment

448
00:23:17,920 --> 00:23:21,600
Speaker 4: is to save up for a new car.

449
00:23:22,320 --> 00:23:27,359
Speaker 2: That can toe the caravan a little bit easier than

450
00:23:27,400 --> 00:23:28,040
Speaker 2: the current car.

451
00:23:28,280 --> 00:23:29,439
Speaker 3: I was about to say, do you have a car

452
00:23:29,520 --> 00:23:31,440
Speaker 3: that can't toe the caravan you book, because that's kind

453
00:23:31,440 --> 00:23:32,160
Speaker 3: of low key funny.

454
00:23:32,600 --> 00:23:36,119
Speaker 4: No, it can toe, it works hard. We want a

455
00:23:36,200 --> 00:23:39,840
Speaker 4: car that can toe heavier so it doesn't.

456
00:23:39,520 --> 00:23:40,400
Speaker 2: Have to work as hard.

457
00:23:40,640 --> 00:23:42,920
Speaker 3: Yeah, maybe you can take luggage with you, that would

458
00:23:42,960 --> 00:23:46,160
Speaker 3: be good. Yeah yeah, the kids can come, yeah yeah yeah,

459
00:23:46,240 --> 00:23:50,080
Speaker 3: but until then sorry child free holidays only. What else

460
00:23:50,080 --> 00:23:51,480
Speaker 3: are you currently working towards?

461
00:23:51,800 --> 00:23:56,120
Speaker 4: So that and then I guess the bigger money goal

462
00:23:56,440 --> 00:23:59,800
Speaker 4: is I mean all the life stuff saving up for

463
00:24:00,920 --> 00:24:01,520
Speaker 4: just to give the.

464
00:24:01,560 --> 00:24:06,159
Speaker 2: Girls the choice of education, whether we go public schools

465
00:24:06,200 --> 00:24:07,080
Speaker 2: or private schools.

466
00:24:07,720 --> 00:24:11,400
Speaker 4: And the biggest part I guess of our money goal

467
00:24:11,680 --> 00:24:15,159
Speaker 4: is to save up to be able to do longer

468
00:24:15,200 --> 00:24:19,520
Speaker 4: trips in the caravan and explore Australia, because neither of

469
00:24:19,640 --> 00:24:24,400
Speaker 4: us have done Like we've traveled Europe, we've traveled Canada,

470
00:24:24,560 --> 00:24:28,119
Speaker 4: but we haven't traveled around Australia. And that's what we

471
00:24:28,280 --> 00:24:32,159
Speaker 4: want to do with the girls while they're on the

472
00:24:32,240 --> 00:24:35,920
Speaker 4: younger side of things, so that we can get those

473
00:24:36,080 --> 00:24:39,720
Speaker 4: core memories and just enjoy that simple family time.

474
00:24:39,880 --> 00:24:43,000
Speaker 3: And Australia is beautiful, like just there's so much to

475
00:24:43,160 --> 00:24:45,040
Speaker 3: explore in the fact that you can kind of pack

476
00:24:45,119 --> 00:24:47,760
Speaker 3: up a caravan and go, like what a dream. I

477
00:24:47,960 --> 00:24:49,720
Speaker 3: love this for you, so I.

478
00:24:49,800 --> 00:24:52,359
Speaker 2: Want to share just I guess how we were able

479
00:24:52,400 --> 00:24:56,560
Speaker 2: to purchase the caravan. Yes, please, because it's a bit unique.

480
00:24:57,000 --> 00:24:58,919
Speaker 3: I was about to say, like that we can talk

481
00:24:58,960 --> 00:25:01,840
Speaker 3: about debt, but also so tell me how did you

482
00:25:01,880 --> 00:25:02,800
Speaker 3: purchase the caravan?

483
00:25:03,119 --> 00:25:07,040
Speaker 4: So we purchased the caravan because we were given early

484
00:25:07,160 --> 00:25:08,720
Speaker 4: access to some inheritance.

485
00:25:09,040 --> 00:25:11,640
Speaker 3: Oh very cool. How did that eventuate? Is that something

486
00:25:11,680 --> 00:25:13,359
Speaker 3: you were like, hey, can we get it? Or were

487
00:25:13,400 --> 00:25:17,560
Speaker 3: they suggesting it? Or they so they suggested it. They've

488
00:25:17,680 --> 00:25:21,560
Speaker 3: helped two siblings as well. They wanted us to have it,

489
00:25:21,680 --> 00:25:25,880
Speaker 3: and I actually struggled with it for a while after

490
00:25:26,480 --> 00:25:28,720
Speaker 3: they'd given us the money, and I was like, oh,

491
00:25:28,880 --> 00:25:29,600
Speaker 3: what do we do?

492
00:25:30,080 --> 00:25:33,120
Speaker 4: Like should we be more responsible and put it all

493
00:25:33,560 --> 00:25:36,879
Speaker 4: in the mortgage or should we be investing it?

494
00:25:37,160 --> 00:25:39,919
Speaker 2: What should we be doing? And it was actually something

495
00:25:40,240 --> 00:25:42,720
Speaker 2: my dad said that made it feel like it was

496
00:25:42,840 --> 00:25:46,520
Speaker 2: okay to spend on the caravan. And that was he was.

497
00:25:47,000 --> 00:25:47,920
Speaker 2: He said two things.

498
00:25:48,000 --> 00:25:50,680
Speaker 4: Actually, one he said, I wish we had done more

499
00:25:51,920 --> 00:25:55,399
Speaker 4: big things as a family when we were kids, and

500
00:25:55,800 --> 00:25:57,159
Speaker 4: my mom and I looked at each other and we

501
00:25:57,200 --> 00:25:58,679
Speaker 4: were like, you're crazy.

502
00:25:58,800 --> 00:26:02,920
Speaker 2: We did lots as a family, so no, you didn't

503
00:26:02,960 --> 00:26:03,680
Speaker 2: need to do more.

504
00:26:03,840 --> 00:26:06,800
Speaker 4: But he also said, your kids won't remember you paying

505
00:26:06,840 --> 00:26:11,280
Speaker 4: off the mortgage early, but they will remember the holidays

506
00:26:11,320 --> 00:26:12,320
Speaker 4: and the trips that you do.

507
00:26:12,920 --> 00:26:15,360
Speaker 2: And he said, you know what, if you get into

508
00:26:15,400 --> 00:26:16,520
Speaker 2: a bind, you can sell it.

509
00:26:16,800 --> 00:26:19,119
Speaker 3: I mean he's not wrong, you see, he's not. And

510
00:26:19,200 --> 00:26:22,080
Speaker 3: I feel like caravans, like I'm probably not looking at

511
00:26:22,080 --> 00:26:26,320
Speaker 3: them as investment opportunities, but they do definitely hold their value,

512
00:26:27,080 --> 00:26:29,520
Speaker 3: like they're not the worst thing in the world. Like

513
00:26:29,640 --> 00:26:31,479
Speaker 3: I've I've had a lot of clients buy a lot

514
00:26:31,560 --> 00:26:35,199
Speaker 3: of caravans, and I've always been super shocked at how

515
00:26:35,280 --> 00:26:37,840
Speaker 3: much they can still sell them for. And like I

516
00:26:37,920 --> 00:26:41,359
Speaker 3: even had one client, actually two clients who have you know,

517
00:26:41,560 --> 00:26:45,000
Speaker 3: just added modifications like updated the like you know, backsplashes

518
00:26:45,040 --> 00:26:47,480
Speaker 3: in their kitchens and stuff in their caravans and sold

519
00:26:47,520 --> 00:26:49,720
Speaker 3: them for more like a couple of years later after

520
00:26:49,800 --> 00:26:51,840
Speaker 3: they're like, oh my god, like you know, we're over this.

521
00:26:51,960 --> 00:26:53,800
Speaker 3: The kids don't want to go anymore because I feel

522
00:26:53,800 --> 00:26:55,960
Speaker 3: like there's a period of time and like I don't

523
00:26:55,960 --> 00:26:58,560
Speaker 3: know about this because of my experience, but just from

524
00:26:58,800 --> 00:27:02,359
Speaker 3: other people's. Your kids when they're young love the caravaning life,

525
00:27:02,480 --> 00:27:05,080
Speaker 3: but like once they become like mid teenagers, they have

526
00:27:05,320 --> 00:27:08,440
Speaker 3: no interest in sharing a space with the parents. So

527
00:27:08,640 --> 00:27:11,120
Speaker 3: that seemed to be when parents started to go, look,

528
00:27:11,160 --> 00:27:12,880
Speaker 3: we're just going to get rid of the caravan. It's

529
00:27:12,960 --> 00:27:15,119
Speaker 3: more hassle than it's worth. But that's when they were

530
00:27:15,160 --> 00:27:16,680
Speaker 3: selling it for more, and I was like, what the heck,

531
00:27:16,760 --> 00:27:18,320
Speaker 3: this is not where I thought that you would get

532
00:27:18,359 --> 00:27:19,280
Speaker 3: extra cash from.

533
00:27:19,600 --> 00:27:21,040
Speaker 2: Yeah, very cool though.

534
00:27:21,080 --> 00:27:22,800
Speaker 3: And I'm glad that you're doing it while they're young.

535
00:27:22,960 --> 00:27:23,840
Speaker 3: How exciting.

536
00:27:24,160 --> 00:27:25,440
Speaker 2: Yes, it's very exciting.

537
00:27:25,560 --> 00:27:27,440
Speaker 3: All right, let's go to a really quick break because

538
00:27:27,480 --> 00:27:29,480
Speaker 3: on the flip side, I just have a lot of questions,

539
00:27:29,600 --> 00:27:31,160
Speaker 3: like I feel like you've got some good and bad

540
00:27:31,240 --> 00:27:33,760
Speaker 3: money habits, but I also want to know more about

541
00:27:33,800 --> 00:27:36,480
Speaker 3: this house, your debt on the house, any other debts,

542
00:27:36,560 --> 00:27:38,960
Speaker 3: and I want to talk about investments. So guys, don't

543
00:27:39,000 --> 00:27:45,359
Speaker 3: go anywhere. All right, money drives. We are back, and

544
00:27:45,480 --> 00:27:48,320
Speaker 3: I have been adoring your money story. I've like probably

545
00:27:48,400 --> 00:27:50,400
Speaker 3: been looking down to you the whole time. It's because

546
00:27:50,440 --> 00:27:53,440
Speaker 3: I'm taking obsessive notes and just making sure I'm keeping

547
00:27:53,480 --> 00:27:54,920
Speaker 3: up because I'm like, oh, this is a journey, okay,

548
00:27:54,960 --> 00:27:56,440
Speaker 3: And in twenty eighteen you did what all right? And

549
00:27:56,480 --> 00:27:58,840
Speaker 3: then from jan twenty nineteen, I'm like, Okay, cool, like,

550
00:27:59,359 --> 00:28:02,080
Speaker 3: I'm just key be in track, but talk to me

551
00:28:02,160 --> 00:28:05,000
Speaker 3: about investing. Like, I feel like you guys, for the

552
00:28:05,240 --> 00:28:07,960
Speaker 3: first half of your lives probably weren't that interested in it.

553
00:28:08,080 --> 00:28:09,840
Speaker 3: But like, girl, you listen to She's on the Money,

554
00:28:10,440 --> 00:28:13,399
Speaker 3: so like, tell me about any investments you hold or

555
00:28:13,440 --> 00:28:15,479
Speaker 3: your thoughts around investing for the future.

556
00:28:15,640 --> 00:28:16,560
Speaker 2: Yeap, you are correct.

557
00:28:16,680 --> 00:28:20,879
Speaker 4: We weren't interested in investing earlier, but now we do

558
00:28:21,359 --> 00:28:25,280
Speaker 4: have a few investments. So since listening to She's on

559
00:28:25,359 --> 00:28:31,600
Speaker 4: the Money, I have opened a comsept Pocket account and

560
00:28:31,720 --> 00:28:38,440
Speaker 4: a Chasie's account and I've got some funds split across those.

561
00:28:38,960 --> 00:28:42,480
Speaker 4: The Sharese's is quite a range of things. I kind

562
00:28:42,520 --> 00:28:46,880
Speaker 4: of didn't really have a strategy. It was well, I

563
00:28:46,960 --> 00:28:50,680
Speaker 4: got a list from my dud's financial advisor of who

564
00:28:50,800 --> 00:28:53,480
Speaker 4: he has shares with and I just went, okay.

565
00:28:53,560 --> 00:28:55,720
Speaker 3: I'm just going to copy cool, no worries.

566
00:28:55,880 --> 00:29:00,520
Speaker 2: So did that. And then the comset Pocket you kind

567
00:29:00,520 --> 00:29:01,440
Speaker 2: of just pick.

568
00:29:01,480 --> 00:29:03,000
Speaker 3: One of their six ETFs that.

569
00:29:03,040 --> 00:29:05,880
Speaker 2: They are one of their few yeah, and I just

570
00:29:06,000 --> 00:29:06,280
Speaker 2: did that.

571
00:29:06,520 --> 00:29:09,200
Speaker 4: I was like, I think we've got some Australian ones,

572
00:29:09,840 --> 00:29:11,200
Speaker 4: some environmental ones.

573
00:29:11,600 --> 00:29:13,640
Speaker 3: Yeah, for those playing along at home who are like

574
00:29:13,920 --> 00:29:17,840
Speaker 3: maybe not in the investing market. Yet. Concept Pocket, I

575
00:29:17,840 --> 00:29:20,600
Speaker 3: would say, is more of a micro investing platform where

576
00:29:20,760 --> 00:29:26,080
Speaker 3: Comsec has chosen to create this like refined platform where

577
00:29:26,120 --> 00:29:28,080
Speaker 3: when you log in, I might be wrong with six,

578
00:29:28,200 --> 00:29:31,160
Speaker 3: but it's like between six and twelve ETFs that their

579
00:29:31,280 --> 00:29:34,440
Speaker 3: brokers have specifically picked that you can choose from, so

580
00:29:34,520 --> 00:29:36,760
Speaker 3: you have really limited options. It doesn't mean it's worse

581
00:29:36,880 --> 00:29:39,280
Speaker 3: or better. It just means you have limited options. And

582
00:29:39,360 --> 00:29:41,440
Speaker 3: a lot of people like that because they're like, I've

583
00:29:41,480 --> 00:29:43,720
Speaker 3: got analysis paralysis, but I want to invest, and I

584
00:29:43,840 --> 00:29:47,160
Speaker 3: also don't want to like pick from the entire share market.

585
00:29:47,440 --> 00:29:49,200
Speaker 3: And then shares Is, which we talk about on the

586
00:29:49,240 --> 00:29:52,720
Speaker 3: show all the time, is a full service platform, so

587
00:29:52,800 --> 00:29:56,120
Speaker 3: you have access to every single thing on the Australian market,

588
00:29:56,240 --> 00:29:58,560
Speaker 3: every single thing on the US market, the same for

589
00:29:58,640 --> 00:30:01,040
Speaker 3: New Zealand. Like an, I feel like that can then

590
00:30:01,120 --> 00:30:04,200
Speaker 3: be a little bit overwhelming. Is that why you're like, oh,

591
00:30:04,200 --> 00:30:07,480
Speaker 3: I've got a range, like because there's just so many

592
00:30:07,560 --> 00:30:10,800
Speaker 3: options or is that just because you're like I copied

593
00:30:10,880 --> 00:30:14,120
Speaker 3: my dad's financial plan or like what's that looking like

594
00:30:14,360 --> 00:30:15,320
Speaker 3: moving into the future.

595
00:30:15,600 --> 00:30:17,640
Speaker 4: Yeah, so some of them I was just say, oh,

596
00:30:17,920 --> 00:30:20,000
Speaker 4: I know this company, I'm going to buy a share

597
00:30:20,040 --> 00:30:25,800
Speaker 4: in it. So I've got things like Coke down a

598
00:30:26,120 --> 00:30:31,960
Speaker 4: EDI like NAB. There's a big range of shares.

599
00:30:32,360 --> 00:30:33,880
Speaker 2: It's not that much money.

600
00:30:34,120 --> 00:30:36,040
Speaker 4: Like we've only got two and a half grand in there,

601
00:30:36,680 --> 00:30:40,840
Speaker 4: and I don't put into it regularly. But I've just

602
00:30:40,960 --> 00:30:45,080
Speaker 4: realized that I want to now a bit more regularly.

603
00:30:45,320 --> 00:30:49,000
Speaker 4: With some of the money that I make from my side,

604
00:30:49,080 --> 00:30:52,760
Speaker 4: hustle will start. I think I'm going to start putting

605
00:30:52,840 --> 00:30:57,520
Speaker 4: like twenty percent of each job in there just to invest.

606
00:30:58,120 --> 00:31:00,880
Speaker 3: Yeah, no, love, love. And this is why asking questions

607
00:31:00,920 --> 00:31:02,560
Speaker 3: because I'm like, well, what does that actually look like

608
00:31:02,720 --> 00:31:05,440
Speaker 3: for you? How does that work? Because it's just different

609
00:31:05,520 --> 00:31:08,240
Speaker 3: for everybody, And like that's the frustrating thing because I

610
00:31:08,280 --> 00:31:10,840
Speaker 3: think once you start investing, right, like I feel like

611
00:31:10,920 --> 00:31:12,880
Speaker 3: all of us we go, I want to start investing,

612
00:31:13,320 --> 00:31:16,240
Speaker 3: and then you're just looking for the answer, and you're

613
00:31:16,320 --> 00:31:19,680
Speaker 3: hoping that the answer is like you'll somehow stumble on

614
00:31:19,800 --> 00:31:22,600
Speaker 3: someone that says you need to download Chaisias and then

615
00:31:22,680 --> 00:31:25,200
Speaker 3: you need to buy these two ETFs and then everything

616
00:31:25,280 --> 00:31:27,640
Speaker 3: will become clear. And that's just not how it works

617
00:31:27,800 --> 00:31:31,960
Speaker 3: because everyone has a different situation. And even if right

618
00:31:32,120 --> 00:31:34,280
Speaker 3: I said, do that one, I would be in breach

619
00:31:34,360 --> 00:31:36,960
Speaker 3: of my financial services license, so we won't be doing that.

620
00:31:37,320 --> 00:31:40,680
Speaker 3: But true, I know enough about the investing world that

621
00:31:40,760 --> 00:31:44,360
Speaker 3: that would be wildly irresponsible because what works for you

622
00:31:44,560 --> 00:31:46,040
Speaker 3: is not going to work for the next person and

623
00:31:46,080 --> 00:31:49,280
Speaker 3: the person after that. Like, it's just crazy how different

624
00:31:49,360 --> 00:31:51,360
Speaker 3: everyone needs to invest, and that's why you have to

625
00:31:51,440 --> 00:31:54,160
Speaker 3: invest time and energy in working out what you're going

626
00:31:54,240 --> 00:31:57,760
Speaker 3: to do. So what's the plan for your bigger investments

627
00:31:57,840 --> 00:32:00,640
Speaker 3: for the future? Like, talk to me about Superannua. How's

628
00:32:00,680 --> 00:32:03,400
Speaker 3: that tracking? You've been working since you were very young,

629
00:32:03,600 --> 00:32:05,040
Speaker 3: so I'm assuming it's looking all right.

630
00:32:05,240 --> 00:32:09,600
Speaker 4: Yeah, I don't know what is normal for someone my age,

631
00:32:09,720 --> 00:32:13,560
Speaker 4: but I did spend six years out of the workforce

632
00:32:13,720 --> 00:32:16,760
Speaker 4: as well. So my super is sitting at eighty two

633
00:32:16,960 --> 00:32:20,800
Speaker 4: thousand and my husband's is at ninety one thousand.

634
00:32:21,080 --> 00:32:21,960
Speaker 3: How old is your husband?

635
00:32:22,440 --> 00:32:22,920
Speaker 2: Thirty four?

636
00:32:23,240 --> 00:32:26,360
Speaker 3: So, like, the average balance for someone in their mid

637
00:32:26,520 --> 00:32:30,160
Speaker 3: to late thirties falls between seventy to ninety thousand dollars,

638
00:32:30,240 --> 00:32:32,480
Speaker 3: and you are just smack bang in the middle, even

639
00:32:32,520 --> 00:32:34,560
Speaker 3: though you took some time off. That might not be

640
00:32:34,720 --> 00:32:37,160
Speaker 3: how much you want to have in there for future planning.

641
00:32:37,520 --> 00:32:40,760
Speaker 3: But like, you're not far behind. And then men is

642
00:32:40,840 --> 00:32:43,120
Speaker 3: slightly higher than that, but we don't care so much

643
00:32:43,160 --> 00:32:46,280
Speaker 3: about their superannuation balances. I just care about bumping the women's.

644
00:32:46,320 --> 00:32:49,880
Speaker 3: So anyway, that's a good thing. Yeah, I love that,

645
00:32:50,000 --> 00:32:51,920
Speaker 3: and I love that you know your numbers as well,

646
00:32:52,000 --> 00:32:55,560
Speaker 3: because that's really really important. Talk to me about debt.

647
00:32:55,920 --> 00:32:58,520
Speaker 3: So you bought your house I believe you purchased that

648
00:32:58,640 --> 00:33:03,360
Speaker 3: in twenty eleven, rented it out, organized the income from

649
00:33:03,440 --> 00:33:06,400
Speaker 3: the rental was paying the mortgage and a little bit more.

650
00:33:07,240 --> 00:33:09,280
Speaker 3: What does that look like today? Like, give me the

651
00:33:09,400 --> 00:33:11,520
Speaker 3: nitty gritty. How much did you purchase a house for

652
00:33:11,760 --> 00:33:13,480
Speaker 3: in twenty eleven.

653
00:33:13,240 --> 00:33:15,840
Speaker 4: And twenty eleven, we purchased a house for four hundred

654
00:33:15,880 --> 00:33:19,400
Speaker 4: and thirty five. I can't remember how much the mortgage

655
00:33:19,560 --> 00:33:22,280
Speaker 4: was at that point, but we just scraped through not

656
00:33:22,800 --> 00:33:24,520
Speaker 4: paying lender's mortgage insurance.

657
00:33:25,080 --> 00:33:28,000
Speaker 2: And that was because we worked for a bank.

658
00:33:28,200 --> 00:33:30,160
Speaker 3: Does that mean that you got a ten percent deposit

659
00:33:30,280 --> 00:33:32,440
Speaker 3: and no l am I as well, because most banks

660
00:33:32,480 --> 00:33:33,880
Speaker 3: back then I think did that deal.

661
00:33:34,160 --> 00:33:36,920
Speaker 2: Yeah. I think we may have even been like a

662
00:33:37,040 --> 00:33:39,520
Speaker 2: nine percent deposit and no l am I. Yeah.

663
00:33:39,560 --> 00:33:43,000
Speaker 3: Money win, money win. It's just gotten harder from there. Yes, yes,

664
00:33:43,200 --> 00:33:43,760
Speaker 3: So this.

665
00:33:43,920 --> 00:33:46,080
Speaker 4: House I couldn't see past the color of it. We

666
00:33:46,240 --> 00:33:48,160
Speaker 4: nearly didn't buy it. We had to go back to

667
00:33:48,240 --> 00:33:50,920
Speaker 4: it three or four times, and in that time it dropped.

668
00:33:51,040 --> 00:33:54,400
Speaker 3: Girl the color. The color, Yeah, well the price dropped

669
00:33:54,400 --> 00:33:56,240
Speaker 3: because clearly it was a really bad color.

670
00:33:56,480 --> 00:34:00,360
Speaker 2: Yeah, the price dropped. And having looked at the history

671
00:34:00,400 --> 00:34:02,720
Speaker 2: of the house, I'm pretty sure they made a loss,

672
00:34:03,120 --> 00:34:05,640
Speaker 2: which makes me feel sad for them, But when for me?

673
00:34:05,840 --> 00:34:08,120
Speaker 3: So we're not mad. We're not mad. So hold on,

674
00:34:08,239 --> 00:34:09,600
Speaker 3: what do you do about the color? Is your house

675
00:34:09,600 --> 00:34:10,359
Speaker 3: still really ugly?

676
00:34:10,520 --> 00:34:11,240
Speaker 2: It got painted?

677
00:34:11,360 --> 00:34:13,759
Speaker 3: Yeah, see there go you can fix those things. We

678
00:34:13,880 --> 00:34:15,600
Speaker 3: need to look beyond the cosmetics.

679
00:34:15,920 --> 00:34:18,640
Speaker 4: Exactly the first time we walked in, though I could

680
00:34:18,719 --> 00:34:21,360
Speaker 4: not see past it, I said to my husand I

681
00:34:21,480 --> 00:34:23,240
Speaker 4: was like, nah, we we can't buy this space.

682
00:34:23,280 --> 00:34:23,759
Speaker 2: It's ugly.

683
00:34:24,520 --> 00:34:26,640
Speaker 3: Oh my god, that is quite funny. But also I

684
00:34:26,680 --> 00:34:28,400
Speaker 3: want to be like, look past it, look at the

685
00:34:28,440 --> 00:34:30,600
Speaker 3: bones of the house. I can buy you some damn paint.

686
00:34:31,080 --> 00:34:32,880
Speaker 3: You don't like the carpet, I can rip it up.

687
00:34:34,239 --> 00:34:38,920
Speaker 4: So that house we actually sold in twenty twenty one, Okay,

688
00:34:39,160 --> 00:34:41,520
Speaker 4: and how much did you sell that for? So we

689
00:34:41,840 --> 00:34:47,160
Speaker 4: sold it for seven hundred and forty two thousand, five

690
00:34:47,440 --> 00:34:48,960
Speaker 4: hundred stop it.

691
00:34:49,080 --> 00:34:50,719
Speaker 3: How good is that? And what did you then do?

692
00:34:51,000 --> 00:34:53,080
Speaker 3: So you had a nice amount of equity to play

693
00:34:53,160 --> 00:34:55,319
Speaker 3: with to maybe purchase another house, is that right?

694
00:34:55,520 --> 00:35:00,200
Speaker 4: We did, so we sold that house in we'd have

695
00:35:00,200 --> 00:35:02,239
Speaker 4: been around mid twenty twenty one.

696
00:35:02,360 --> 00:35:06,759
Speaker 2: We actually were homeless for about three months.

697
00:35:06,719 --> 00:35:08,839
Speaker 3: But flush with cash, so that's all good.

698
00:35:09,080 --> 00:35:11,520
Speaker 4: Yeah, So we had no backup, no property that we

699
00:35:11,640 --> 00:35:14,319
Speaker 4: had to offer on or anything, because at that time

700
00:35:14,480 --> 00:35:19,840
Speaker 4: properties were going like so quickly that we couldn't have

701
00:35:20,120 --> 00:35:25,520
Speaker 4: the condition of to sell that place to buy a place.

702
00:35:26,080 --> 00:35:28,600
Speaker 4: So we went through, sold it, lived with the in

703
00:35:28,800 --> 00:35:32,120
Speaker 4: laws for about three months with just a one year

704
00:35:32,840 --> 00:35:33,440
Speaker 4: just turned.

705
00:35:33,239 --> 00:35:36,400
Speaker 2: One chaos, yes, and all our stuff went into.

706
00:35:36,320 --> 00:35:41,840
Speaker 4: A storage container and split between the two grandparents' housand

707
00:35:42,520 --> 00:35:45,440
Speaker 4: and then we actually the house that we're in now

708
00:35:45,560 --> 00:35:51,120
Speaker 4: we bought privately off market, no real estate agents or anything.

709
00:35:51,360 --> 00:35:52,759
Speaker 3: Oh, how did you work that out?

710
00:35:53,200 --> 00:35:57,560
Speaker 2: So we did get shown through the property, and they

711
00:35:57,840 --> 00:36:00,200
Speaker 2: hadn't signed with the real estate agent.

712
00:36:00,480 --> 00:36:02,440
Speaker 3: Or cheeky, they shouldn't have shown you through the property.

713
00:36:02,680 --> 00:36:05,279
Speaker 2: They were trying to decide whether they were going to

714
00:36:05,560 --> 00:36:08,200
Speaker 2: sell the property. The owners of this one. We're trying

715
00:36:08,200 --> 00:36:10,200
Speaker 2: to decide whether they were going to sell the property

716
00:36:10,360 --> 00:36:14,759
Speaker 2: off market or put it on market because they thought

717
00:36:14,840 --> 00:36:18,040
Speaker 2: they could get more for it, but they were empty masters,

718
00:36:18,200 --> 00:36:21,800
Speaker 2: there was too much maintenance. They were ready to move on.

719
00:36:22,760 --> 00:36:26,680
Speaker 2: So they were still deciding, and we'd had a look through.

720
00:36:27,200 --> 00:36:31,080
Speaker 4: It was pretty much perfect for everything we wanted, except

721
00:36:31,120 --> 00:36:32,120
Speaker 4: it didn't have a pool.

722
00:36:32,880 --> 00:36:36,239
Speaker 2: But for what they had been asking for it, we

723
00:36:36,800 --> 00:36:39,160
Speaker 2: had enough aside that we could put a pool in.

724
00:36:39,960 --> 00:36:43,360
Speaker 4: And I rate them a letter and dropped it in

725
00:36:43,440 --> 00:36:46,960
Speaker 4: their letterbox and said, thank you so much for inviting

726
00:36:47,080 --> 00:36:50,960
Speaker 4: us into the house to have a look. Totally understand

727
00:36:51,000 --> 00:36:53,520
Speaker 4: that you've got to do what's best for you if

728
00:36:53,560 --> 00:36:55,759
Speaker 4: you do need to take it to market, but we

729
00:36:55,920 --> 00:36:59,520
Speaker 4: can definitely see ourselves growing our family and growing our

730
00:36:59,600 --> 00:37:03,600
Speaker 4: kids old here like a bit of a tuget the heartstrings.

731
00:37:03,760 --> 00:37:08,120
Speaker 2: And then the owner called my husband and we went

732
00:37:08,200 --> 00:37:11,560
Speaker 2: from there like it just it worked. It happened.

733
00:37:11,600 --> 00:37:15,160
Speaker 4: We ran into them again at a local park and

734
00:37:16,400 --> 00:37:19,640
Speaker 4: the conversation continued and they sold.

735
00:37:19,440 --> 00:37:19,959
Speaker 2: Us the house.

736
00:37:20,200 --> 00:37:22,960
Speaker 3: Oh that's so good. So what did you purchase for?

737
00:37:23,480 --> 00:37:28,000
Speaker 4: So we purchased this place for nine hundred and forty

738
00:37:28,080 --> 00:37:33,399
Speaker 4: one thousand and five hundred and the mortgage that we've

739
00:37:33,560 --> 00:37:38,040
Speaker 4: got at the moment is five hundred and seventy one thousand.

740
00:37:38,400 --> 00:37:40,440
Speaker 3: Oh my god, how good. And what year did you

741
00:37:40,480 --> 00:37:42,640
Speaker 3: purchase that in because you sold in twenty twenty one

742
00:37:42,680 --> 00:37:44,439
Speaker 3: and that was mid twenty twenty one, so like early

743
00:37:44,520 --> 00:37:45,480
Speaker 3: twenty twenty two, is.

744
00:37:45,520 --> 00:37:49,040
Speaker 2: That no, say September twenty twenty one we purchased Yeah.

745
00:37:49,120 --> 00:37:51,719
Speaker 3: How exciting. And then do you know what the house

746
00:37:51,880 --> 00:37:54,719
Speaker 3: is worth now? Because like, sorry, I know you're in Queensland.

747
00:37:54,760 --> 00:37:57,000
Speaker 3: I won't be more specific than that. And property in

748
00:37:57,080 --> 00:37:59,359
Speaker 3: Queensland since then has done relatively well.

749
00:37:59,680 --> 00:38:04,279
Speaker 2: Yes, so the high kind of value of the house

750
00:38:04,400 --> 00:38:05,600
Speaker 2: is one point five.

751
00:38:06,440 --> 00:38:09,480
Speaker 3: Look at you guys, go you got some nice equity.

752
00:38:09,920 --> 00:38:11,680
Speaker 3: I have to ask you said, oh, it doesn't have

753
00:38:11,760 --> 00:38:14,799
Speaker 3: a pool. So as a Melbournian, I interviewed a money

754
00:38:14,880 --> 00:38:16,560
Speaker 3: DRIs a couple of weeks ago and she was like,

755
00:38:16,600 --> 00:38:17,840
Speaker 3: oh my god, we have a pool. And I was like,

756
00:38:17,880 --> 00:38:20,759
Speaker 3: oh bougie. But I feel like most houses in Queensland

757
00:38:20,840 --> 00:38:23,320
Speaker 3: actually have a pool, so like that's fine, And that

758
00:38:23,440 --> 00:38:25,680
Speaker 3: also makes sense because you were like the empty nesters.

759
00:38:25,719 --> 00:38:27,600
Speaker 3: There was a lot of costs and I was about

760
00:38:27,640 --> 00:38:29,799
Speaker 3: to be like, is it because there's pool maintenance? Did

761
00:38:29,880 --> 00:38:32,360
Speaker 3: you put in a pool? Is that something you don't have?

762
00:38:32,760 --> 00:38:34,520
Speaker 3: Like it seems like the way you said it, there

763
00:38:34,600 --> 00:38:36,440
Speaker 3: was a value there that you were like, I want

764
00:38:36,480 --> 00:38:36,799
Speaker 3: a pool.

765
00:38:37,000 --> 00:38:38,040
Speaker 2: Yeah, we put a pool in.

766
00:38:38,320 --> 00:38:41,239
Speaker 3: Ah, how much does it cost to put in a pool?

767
00:38:41,360 --> 00:38:47,040
Speaker 4: So that was I feel like it was about sixty thousand.

768
00:38:47,640 --> 00:38:51,319
Speaker 4: But we got landscaping done as well, so we got

769
00:38:51,400 --> 00:38:55,440
Speaker 4: proper drainage under the grass and everything. And yeah, so

770
00:38:55,520 --> 00:39:00,000
Speaker 4: it's about sixty thousand for the pool, fence and landscape.

771
00:39:00,480 --> 00:39:03,279
Speaker 3: That feels more reasonable than I thought it would be.

772
00:39:03,560 --> 00:39:05,960
Speaker 4: Yeah, so that was back in twenty twenty one. I

773
00:39:06,040 --> 00:39:08,640
Speaker 4: think it's more well, No, it was early twenty twenty

774
00:39:08,680 --> 00:39:12,279
Speaker 4: two that it got finished. It got finished just in

775
00:39:12,360 --> 00:39:13,440
Speaker 4: time for Australia Day.

776
00:39:13,480 --> 00:39:16,200
Speaker 3: I think, oh, how good, so you could enjoy the

777
00:39:16,239 --> 00:39:16,920
Speaker 3: rest of summer.

778
00:39:17,120 --> 00:39:21,480
Speaker 2: Yeah, and then the landscaping got finished just before giving birth.

779
00:39:21,640 --> 00:39:24,560
Speaker 3: To my second So yeah, you don't need that type

780
00:39:24,600 --> 00:39:27,919
Speaker 3: of stress. So you purchased for nine hundred and forty

781
00:39:27,960 --> 00:39:30,920
Speaker 3: one thousand. Current mortgage is five hundred and seventy one thousand.

782
00:39:31,120 --> 00:39:34,120
Speaker 3: It's worth about one point five mil. Tell me, do

783
00:39:34,200 --> 00:39:35,560
Speaker 3: you have any other debts.

784
00:39:36,080 --> 00:39:40,759
Speaker 2: So we do have a solar loan that we got

785
00:39:41,400 --> 00:39:45,440
Speaker 2: purely we had the cash. We got it because the

786
00:39:45,840 --> 00:39:49,000
Speaker 2: interest rate was zero point nine nine percent and we

787
00:39:49,120 --> 00:39:53,920
Speaker 2: were like, well, we'll just keep that cash offsetting the mortgage.

788
00:39:53,640 --> 00:39:56,920
Speaker 3: And smart see strategy, queen.

789
00:39:57,640 --> 00:40:00,680
Speaker 2: Yeah, it does pay to know people in a bank

790
00:40:02,000 --> 00:40:06,120
Speaker 2: and remaining friends with them. But yeah, so we got

791
00:40:06,719 --> 00:40:07,400
Speaker 2: the solar.

792
00:40:07,520 --> 00:40:11,160
Speaker 4: There's about nine thousand dollars owing on that from what

793
00:40:11,520 --> 00:40:15,040
Speaker 4: was and it was like twelve or thirteen thousand, three

794
00:40:15,160 --> 00:40:17,800
Speaker 4: years ago, which we're not paying extra off on that

795
00:40:18,000 --> 00:40:18,680
Speaker 4: at the moment.

796
00:40:19,000 --> 00:40:21,279
Speaker 3: If the interest rate's good and it's popping along, your

797
00:40:21,400 --> 00:40:24,040
Speaker 3: money's working harder on your mortgage anyway, exactly.

798
00:40:24,320 --> 00:40:27,040
Speaker 4: And then we also have a credit card which gets

799
00:40:27,120 --> 00:40:31,080
Speaker 4: paid off each month like the total amount owing, so

800
00:40:31,160 --> 00:40:33,920
Speaker 4: there's no interest paid on that. It is just a

801
00:40:35,239 --> 00:40:40,160
Speaker 4: tool to pay for everything, get points, and have the

802
00:40:40,239 --> 00:40:43,520
Speaker 4: money sit against our mortgage for the extra thirty days

803
00:40:43,600 --> 00:40:44,000
Speaker 4: that it can.

804
00:40:44,560 --> 00:40:47,279
Speaker 3: Smart girl, tell me a bit more, because I feel

805
00:40:47,320 --> 00:40:51,040
Speaker 3: like all of this, like, you know, I met my

806
00:40:51,120 --> 00:40:54,320
Speaker 3: husband when I was like sixteen, started dating at eighteen,

807
00:40:54,640 --> 00:40:57,439
Speaker 3: Like we didn't go to UNI, like a money story

808
00:40:57,480 --> 00:40:59,759
Speaker 3: could have looked very very different, like it could have

809
00:40:59,880 --> 00:41:02,239
Speaker 3: just been not the way that it has worked out

810
00:41:02,280 --> 00:41:05,040
Speaker 3: for you guys, And you know you are clearly very intelligent.

811
00:41:05,200 --> 00:41:08,560
Speaker 3: You clearly have your heads like screwed on properly. So

812
00:41:08,680 --> 00:41:11,160
Speaker 3: you've made it not just work, but like you are

813
00:41:11,280 --> 00:41:15,360
Speaker 3: I would say, thriving in this situation. How have you

814
00:41:15,480 --> 00:41:17,480
Speaker 3: done that? What is your best money habit? What can

815
00:41:17,520 --> 00:41:18,960
Speaker 3: we learn from you? Because I think that there is

816
00:41:19,000 --> 00:41:21,960
Speaker 3: this narrative out there that to be successful you have

817
00:41:22,080 --> 00:41:24,200
Speaker 3: to go to university, and that's just not the damn case,

818
00:41:24,880 --> 00:41:27,240
Speaker 3: Like most of my team have not gone to university.

819
00:41:27,800 --> 00:41:31,200
Speaker 3: Like from my perspective now as an adult, it doesn't matter.

820
00:41:31,280 --> 00:41:32,880
Speaker 3: But the pressure is put on you when you're like

821
00:41:33,000 --> 00:41:35,160
Speaker 3: at school, what are you going to do? You need

822
00:41:35,239 --> 00:41:37,440
Speaker 3: a job that starts with an a, like you need

823
00:41:37,480 --> 00:41:40,640
Speaker 3: to be a doctor, a lawyer, a engineer or something,

824
00:41:40,680 --> 00:41:42,400
Speaker 3: and then all of a sudden, that's just not how

825
00:41:42,440 --> 00:41:46,400
Speaker 3: the world works. What's your best money habit? How have

826
00:41:46,480 --> 00:41:47,439
Speaker 3: you done so well?

827
00:41:47,800 --> 00:41:49,120
Speaker 2: Well, that's money habit?

828
00:41:49,480 --> 00:41:52,720
Speaker 4: I think just I don't even know because it doesn't

829
00:41:52,760 --> 00:41:57,000
Speaker 4: feel like we have that many good have many good habits,

830
00:41:57,080 --> 00:42:00,359
Speaker 4: But I guess it's just one looking for the best

831
00:42:00,480 --> 00:42:04,960
Speaker 4: deal or the smartest way to make the money work

832
00:42:05,120 --> 00:42:07,839
Speaker 4: for us, and talking to people who know more than us,

833
00:42:08,440 --> 00:42:11,920
Speaker 4: and being not afraid to ask for help or ask

834
00:42:12,480 --> 00:42:14,600
Speaker 4: the questions that might seem silly at the time.

835
00:42:15,320 --> 00:42:18,520
Speaker 2: And yeah, like literally, it's always looking for the best deal.

836
00:42:18,640 --> 00:42:23,879
Speaker 4: Like my husband is very good at finding He's much

837
00:42:23,920 --> 00:42:27,239
Speaker 4: more patient than I am. I am like, well, I

838
00:42:27,360 --> 00:42:29,920
Speaker 4: want it, we need it, just get it wherever you

839
00:42:30,000 --> 00:42:33,120
Speaker 4: can get it fastest, but he will look into it.

840
00:42:33,520 --> 00:42:37,960
Speaker 4: We do utilize marketplace a lot for buying and selling,

841
00:42:38,080 --> 00:42:41,640
Speaker 4: so I think that's something as well. Like we literally

842
00:42:42,080 --> 00:42:45,880
Speaker 4: this morning sold our pram because we don't need it anymore.

843
00:42:46,600 --> 00:42:49,480
Speaker 2: And so that was a nice little cash infusion.

844
00:42:49,800 --> 00:42:51,920
Speaker 3: Nice. How much what pram did you have? I need

845
00:42:51,960 --> 00:42:53,160
Speaker 3: to know? Was this a good investment?

846
00:42:53,400 --> 00:42:56,000
Speaker 2: Yeah? So we had the Bugaboo Donkey Gorge.

847
00:42:56,080 --> 00:42:56,800
Speaker 3: How did we like it?

848
00:42:57,040 --> 00:42:58,920
Speaker 2: Yeah? I loved it. Went from an.

849
00:42:58,960 --> 00:43:02,200
Speaker 4: Upper baby Vista to the Bugaboo Donkey because I couldn't

850
00:43:02,760 --> 00:43:05,120
Speaker 4: picture having two kids on top of each other.

851
00:43:05,239 --> 00:43:06,840
Speaker 2: I needed them side by side.

852
00:43:07,280 --> 00:43:08,359
Speaker 3: That's absolutely fair.

853
00:43:08,520 --> 00:43:10,640
Speaker 2: And I loved by Vista. I loved it.

854
00:43:11,040 --> 00:43:13,600
Speaker 3: See I'm a Vista hater. I'm a Vista hater. I

855
00:43:13,680 --> 00:43:16,760
Speaker 3: think that they're so big and so clunky and so heavy,

856
00:43:17,000 --> 00:43:20,200
Speaker 3: and I'm very lucky that I've never had one. But

857
00:43:20,320 --> 00:43:22,839
Speaker 3: I have looked after my friends and families kids who

858
00:43:22,960 --> 00:43:26,680
Speaker 3: have Vistas, and I was like, I'm never getting this pram. Like,

859
00:43:26,800 --> 00:43:28,840
Speaker 3: but you know what, once you have a Vista, I

860
00:43:28,880 --> 00:43:31,320
Speaker 3: feel like you join a cult and then everybody is

861
00:43:31,360 --> 00:43:33,800
Speaker 3: a Vista mam, and you're talking about your adaptations and

862
00:43:33,880 --> 00:43:35,319
Speaker 3: stuff that you can put on there and how much

863
00:43:35,360 --> 00:43:37,080
Speaker 3: you can fit in your basket, and I just don't care.

864
00:43:37,160 --> 00:43:39,920
Speaker 3: I got the pram that was most compact and I

865
00:43:39,960 --> 00:43:42,520
Speaker 3: could pick up and put in my car with one hand,

866
00:43:42,680 --> 00:43:44,840
Speaker 3: like sligh, because you can't do that with your Vista.

867
00:43:44,719 --> 00:43:46,840
Speaker 2: Can you. You can't. You can't do that with the

868
00:43:46,920 --> 00:43:48,040
Speaker 2: Donkey either. No.

869
00:43:49,080 --> 00:43:51,840
Speaker 3: But I feel like once you have two kids, you

870
00:43:52,040 --> 00:43:53,560
Speaker 3: just don't have a choice. You're going to have to

871
00:43:53,600 --> 00:43:56,239
Speaker 3: go down like the heavy pram route. Like one, you're

872
00:43:56,280 --> 00:43:59,160
Speaker 3: living a life of luxury. Two you do what you

873
00:43:59,280 --> 00:43:59,600
Speaker 3: got to do.

874
00:44:00,080 --> 00:44:03,600
Speaker 4: Yeah, that's exactly it. And yes, so yes, it was

875
00:44:03,600 --> 00:44:06,400
Speaker 4: a good investment. We bought it from marketplace. I'm not

876
00:44:06,520 --> 00:44:09,040
Speaker 4: actually sure. I think we may have sold it for

877
00:44:09,120 --> 00:44:11,160
Speaker 4: more than what we bought it for because I can't

878
00:44:11,239 --> 00:44:12,279
Speaker 4: remember what we bought it for.

879
00:44:12,800 --> 00:44:15,080
Speaker 3: Well, if you bought it secondhand, what did you sell

880
00:44:15,120 --> 00:44:15,360
Speaker 3: it for?

881
00:44:15,719 --> 00:44:17,719
Speaker 2: I put it up for five thirty five.

882
00:44:18,120 --> 00:44:19,880
Speaker 3: That's a good deal. And did they like bargain you

883
00:44:19,960 --> 00:44:21,600
Speaker 3: down or to just say it's great, I'll take it

884
00:44:21,680 --> 00:44:22,480
Speaker 3: for five thirty five.

885
00:44:22,800 --> 00:44:23,640
Speaker 2: No, they just took it.

886
00:44:24,200 --> 00:44:27,560
Speaker 4: And I mean we did have additions to it, so

887
00:44:27,760 --> 00:44:30,880
Speaker 4: probably overall we came out even.

888
00:44:30,880 --> 00:44:32,960
Speaker 3: Yeah, and I mean those things for those playing along

889
00:44:33,000 --> 00:44:35,080
Speaker 3: who maybe don't live in the pram world like us,

890
00:44:35,160 --> 00:44:36,919
Speaker 3: that's like a two and a half thousand dollars pram

891
00:44:37,360 --> 00:44:39,840
Speaker 3: after you add like the additional seats and like the

892
00:44:39,960 --> 00:44:42,920
Speaker 3: liners and whatever else you have to buy, Like she's Spinos,

893
00:44:42,960 --> 00:44:44,560
Speaker 3: So that's a good deal. I love this for you.

894
00:44:45,400 --> 00:44:47,879
Speaker 3: Are there any other ways that you've been injecting cash

895
00:44:47,920 --> 00:44:50,759
Speaker 3: into your house? I had a sneaky suspicion that there

896
00:44:50,880 --> 00:44:53,120
Speaker 3: might be one, because you know, I'm not going to

897
00:44:53,200 --> 00:44:56,200
Speaker 3: give her like identity away, but her email address has

898
00:44:56,800 --> 00:44:59,960
Speaker 3: UGC in it. So tell me about this journey.

899
00:45:00,480 --> 00:45:02,920
Speaker 2: Yes, so, oh, this is a journey.

900
00:45:03,719 --> 00:45:07,400
Speaker 4: So I started doing a side hustle of content creation

901
00:45:07,840 --> 00:45:14,320
Speaker 4: for brands in last year and it started because I

902
00:45:14,680 --> 00:45:16,400
Speaker 4: didn't really want.

903
00:45:16,280 --> 00:45:20,040
Speaker 2: To go back to work full time but couldn't afford not.

904
00:45:20,200 --> 00:45:25,160
Speaker 4: To, and started looking at ways to make money from home.

905
00:45:26,200 --> 00:45:32,799
Speaker 4: Fell for a few not scams, but scams, But there

906
00:45:32,960 --> 00:45:35,120
Speaker 4: was a light at the end of the tunnel because

907
00:45:35,520 --> 00:45:39,160
Speaker 4: going down and learning about this kind of icky side

908
00:45:39,160 --> 00:45:43,400
Speaker 4: of content creation brought me to the user generated content

909
00:45:43,640 --> 00:45:48,160
Speaker 4: side of content creation, which is working with brands to

910
00:45:48,280 --> 00:45:53,320
Speaker 4: create ads but as a user of their product, more authentic,

911
00:45:53,520 --> 00:45:57,480
Speaker 4: less polished. And so I've been doing that for a

912
00:45:57,719 --> 00:46:01,040
Speaker 4: year and a bit and love it.

913
00:46:01,320 --> 00:46:02,120
Speaker 3: It's fun, isn't it.

914
00:46:02,400 --> 00:46:05,440
Speaker 4: It's fun, and it's given me so much confidence, Like

915
00:46:05,520 --> 00:46:09,320
Speaker 4: for me to be here doing this would never have happened,

916
00:46:10,160 --> 00:46:13,680
Speaker 4: like a year or two ago when the first brand

917
00:46:13,760 --> 00:46:18,759
Speaker 4: deal came through. It was just like the silly, little

918
00:46:18,840 --> 00:46:21,320
Speaker 4: happy dance that I did when I got that email

919
00:46:21,360 --> 00:46:22,640
Speaker 4: and realized it wasn't a scam.

920
00:46:23,239 --> 00:46:27,440
Speaker 2: And from there it's just kind of keeps ticking along

921
00:46:27,640 --> 00:46:30,360
Speaker 2: and I really enjoy it and I've made like a

922
00:46:30,440 --> 00:46:33,080
Speaker 2: lovely community of people online.

923
00:46:33,200 --> 00:46:35,919
Speaker 3: Now, So what type of income do you make from

924
00:46:36,160 --> 00:46:39,920
Speaker 3: creating user generated content? Because it's a different space for

925
00:46:40,000 --> 00:46:41,680
Speaker 3: those of you who maybe are listening here going what

926
00:46:41,840 --> 00:46:45,560
Speaker 3: is that? So we all know influencers make content and

927
00:46:45,680 --> 00:46:47,880
Speaker 3: they post about let's just pretend it's like a skincare

928
00:46:47,920 --> 00:46:52,319
Speaker 3: brand and they post their skincare review. Now, influencers are

929
00:46:52,400 --> 00:46:56,840
Speaker 3: losing popularity because obviously we prefer much more authentic content

930
00:46:56,960 --> 00:47:00,040
Speaker 3: that's a little bit more organic, that's from mums and

931
00:47:00,200 --> 00:47:03,160
Speaker 3: people that you know, actually use the product give you

932
00:47:03,239 --> 00:47:06,440
Speaker 3: a genuine review, but maybe don't have a million followers,

933
00:47:06,520 --> 00:47:09,359
Speaker 3: maybe don't even have any followers. So the brands reach

934
00:47:09,440 --> 00:47:11,560
Speaker 3: out say to money diarst and say, hey, could you

935
00:47:11,760 --> 00:47:13,719
Speaker 3: just like trial our products and give us an honest

936
00:47:13,760 --> 00:47:15,359
Speaker 3: review and they pay you for it. But what type

937
00:47:15,360 --> 00:47:17,080
Speaker 3: of income are we being given?

938
00:47:17,400 --> 00:47:21,960
Speaker 4: Yeah, so it can definitely vary depending on your negotiation skills.

939
00:47:22,400 --> 00:47:26,600
Speaker 4: But so last financial year I made six five hundred

940
00:47:26,640 --> 00:47:32,000
Speaker 4: dollars because we've just done our tax So on average,

941
00:47:32,200 --> 00:47:37,120
Speaker 4: I would say like per job making between like my

942
00:47:37,280 --> 00:47:38,719
Speaker 4: minimum is two hundred.

943
00:47:38,480 --> 00:47:41,960
Speaker 2: And fifty dollars up to I think the highest I've

944
00:47:42,000 --> 00:47:45,719
Speaker 2: been paid is like five or six hundred dollars for

945
00:47:46,640 --> 00:47:47,040
Speaker 2: a job.

946
00:47:47,400 --> 00:47:50,200
Speaker 4: And that's maybe like when you add in all the

947
00:47:50,320 --> 00:47:55,680
Speaker 4: admin hours and like creating a concept and stuff, maybe.

948
00:47:55,560 --> 00:47:59,520
Speaker 2: Like two or three hours of work per job, So

949
00:47:59,560 --> 00:48:00,480
Speaker 2: it feels pretty good.

950
00:48:00,760 --> 00:48:02,560
Speaker 3: I love that. I love that for you, And like,

951
00:48:02,719 --> 00:48:04,799
Speaker 3: don't get me wrong, like you know, you could get

952
00:48:04,840 --> 00:48:07,080
Speaker 3: bored of it at some point, but like I kind

953
00:48:07,120 --> 00:48:09,040
Speaker 3: of love it. And as somebody who I get to

954
00:48:09,120 --> 00:48:13,239
Speaker 3: play in that space, obviously more as an influencer, but

955
00:48:13,360 --> 00:48:15,600
Speaker 3: I have this I would say privilege because I already

956
00:48:15,640 --> 00:48:17,759
Speaker 3: own my businesses, Like I've got Sheees on the money,

957
00:48:17,840 --> 00:48:20,640
Speaker 3: I've got Zella. I don't have to do skincare stuff.

958
00:48:20,680 --> 00:48:23,239
Speaker 3: But like I love a little skincare moment. I love

959
00:48:23,360 --> 00:48:27,400
Speaker 3: trialing products, and I love being like giving my organic response.

960
00:48:27,719 --> 00:48:30,600
Speaker 3: It just feels special, Like it feels nice. I love

961
00:48:30,680 --> 00:48:34,080
Speaker 3: sharing with a community, and like just even creating it

962
00:48:34,200 --> 00:48:36,640
Speaker 3: gives you more confidence. And you've just said before like

963
00:48:37,080 --> 00:48:39,920
Speaker 3: getting me on your show would never have happened without it.

964
00:48:40,160 --> 00:48:41,160
Speaker 3: I love what it's given you.

965
00:48:41,520 --> 00:48:45,759
Speaker 4: Yeah, and it was something outside of being a mum

966
00:48:46,280 --> 00:48:50,839
Speaker 4: and a traditional work setting that like, at the moment,

967
00:48:50,920 --> 00:48:54,399
Speaker 4: it's a fun hobby. But maybe some point it could

968
00:48:54,480 --> 00:48:57,759
Speaker 4: become a job thing. I don't know, Like I don't

969
00:48:57,800 --> 00:49:01,399
Speaker 4: know what that looks like in the future. At the moment,

970
00:49:01,480 --> 00:49:04,239
Speaker 4: it's fun, and I don't. It's bonus money, like that's

971
00:49:04,320 --> 00:49:05,440
Speaker 4: fun money to play with.

972
00:49:05,719 --> 00:49:08,720
Speaker 3: Yeah, yeah, yeah, absolutely. So let's flip with the narrative.

973
00:49:08,880 --> 00:49:10,000
Speaker 3: What's your worst money habit?

974
00:49:11,360 --> 00:49:17,000
Speaker 4: Sorry, I would say worst money habit is that we've

975
00:49:17,160 --> 00:49:20,920
Speaker 4: fallen off the track of like budgeting. I used to

976
00:49:21,040 --> 00:49:24,640
Speaker 4: go in and like go through the accounts every month

977
00:49:24,800 --> 00:49:27,480
Speaker 4: or even every week and go through life, what are

978
00:49:27,520 --> 00:49:30,640
Speaker 4: we spending here and there and make sure like we're

979
00:49:30,719 --> 00:49:32,680
Speaker 4: kind of putting money aside.

980
00:49:33,080 --> 00:49:37,680
Speaker 2: But life lives, and I don't make that a priority anymore.

981
00:49:37,880 --> 00:49:40,239
Speaker 3: So is it something you want to get back to? Yeah?

982
00:49:40,239 --> 00:49:40,680
Speaker 2: I think so.

983
00:49:40,960 --> 00:49:46,319
Speaker 4: We've tried like a few different ways of automating our

984
00:49:47,040 --> 00:49:48,840
Speaker 4: like transfers and stuff.

985
00:49:49,360 --> 00:49:51,960
Speaker 2: There's all of our money is our money. It's all

986
00:49:52,000 --> 00:49:52,640
Speaker 2: combined and.

987
00:49:53,320 --> 00:49:57,480
Speaker 4: Just gets shot out of the pay account on payday

988
00:49:57,600 --> 00:50:02,320
Speaker 4: and pays the mortgage and put money aside for like

989
00:50:02,560 --> 00:50:05,360
Speaker 4: the annual bills and the quarterly bills and stuff.

990
00:50:05,560 --> 00:50:09,080
Speaker 2: But I'm probably not as strict with it anymore.

991
00:50:09,239 --> 00:50:15,200
Speaker 4: Particularly grocery shopping is probably bad because I'm like, I'm

992
00:50:15,320 --> 00:50:19,319
Speaker 4: not setting a dollar amount to what we buy for groceries.

993
00:50:20,080 --> 00:50:22,080
Speaker 2: I want what I want, and that's what I'm going

994
00:50:22,120 --> 00:50:24,480
Speaker 2: to buy. I'm not compromising on that.

995
00:50:24,840 --> 00:50:27,719
Speaker 3: Yeah, yeah, And it's a slippery slope for right, I'm

996
00:50:27,760 --> 00:50:29,120
Speaker 3: going to fix it for you. I'm going to set

997
00:50:29,160 --> 00:50:31,040
Speaker 3: you up with my money masterclass so that you can

998
00:50:31,120 --> 00:50:34,160
Speaker 3: get back on track. And it's not necessarily about restricting,

999
00:50:34,239 --> 00:50:35,480
Speaker 3: Like I don't want you to have to set a

1000
00:50:35,520 --> 00:50:37,840
Speaker 3: budget for your groceries, but I do want you to

1001
00:50:37,880 --> 00:50:40,400
Speaker 3: go through your finances and be like, Okay, on average,

1002
00:50:40,440 --> 00:50:43,040
Speaker 3: we spend X on groceries, and then you're really aware

1003
00:50:43,080 --> 00:50:46,279
Speaker 3: of that and you're just across your finances and I'm

1004
00:50:46,360 --> 00:50:48,640
Speaker 3: biased because I made it, but I think that the

1005
00:50:48,840 --> 00:50:52,000
Speaker 3: spreadsheet in there is next level, So like all you

1006
00:50:52,160 --> 00:50:53,960
Speaker 3: have to do is put in what things cost you

1007
00:50:54,120 --> 00:50:56,600
Speaker 3: and what your income is, and then I split out

1008
00:50:57,080 --> 00:50:59,399
Speaker 3: what bank accounts it should be in, how you would

1009
00:50:59,440 --> 00:51:02,080
Speaker 3: divide that up, and what that would look like, so

1010
00:51:02,239 --> 00:51:03,840
Speaker 3: that I do the hard work and you don't have

1011
00:51:03,960 --> 00:51:06,040
Speaker 3: to do the planning because I feel like budgeting. Yes,

1012
00:51:06,120 --> 00:51:08,320
Speaker 3: you can go into a spreadsheet and update it and

1013
00:51:08,440 --> 00:51:10,759
Speaker 3: that's great and you've got visibility, but it's about that

1014
00:51:10,960 --> 00:51:13,800
Speaker 3: next step of like, okay, but which bank account should

1015
00:51:13,840 --> 00:51:15,719
Speaker 3: this be going into so that I don't dip into

1016
00:51:15,760 --> 00:51:18,400
Speaker 3: my savings. If we've got this big savings goal, like

1017
00:51:18,480 --> 00:51:21,200
Speaker 3: you're planning on another caravan holiday or something, we can

1018
00:51:21,280 --> 00:51:23,600
Speaker 3: put that in and I know that we can work backwards.

1019
00:51:23,640 --> 00:51:26,319
Speaker 3: So I go, well, when's the holiday happening and how

1020
00:51:26,400 --> 00:51:27,960
Speaker 3: much do you need? And you go, yep, I need

1021
00:51:28,200 --> 00:51:30,120
Speaker 3: two thousand dollars and it's happening in six months, And

1022
00:51:30,160 --> 00:51:31,560
Speaker 3: I go, great, Well, this is how much you need

1023
00:51:31,600 --> 00:51:33,719
Speaker 3: to put into that bank account each and every single

1024
00:51:33,760 --> 00:51:36,719
Speaker 3: week or month or literally fortnite, depending on how you

1025
00:51:36,840 --> 00:51:39,120
Speaker 3: set this up to make that happen. So I do

1026
00:51:39,239 --> 00:51:42,239
Speaker 3: the hard bit, and then hopefully it will be like

1027
00:51:42,400 --> 00:51:44,000
Speaker 3: maybe you have to do the work. I'm sorry, but

1028
00:51:44,120 --> 00:51:46,080
Speaker 3: like it'll be like waving a magic wand and you'll

1029
00:51:46,080 --> 00:51:47,960
Speaker 3: feel more on track. So I feel like I can

1030
00:51:48,000 --> 00:51:49,680
Speaker 3: fix your bad money habit. That's a good deal.

1031
00:51:49,880 --> 00:51:52,000
Speaker 2: That sounds perfect. Take the mental load part off.

1032
00:51:52,719 --> 00:51:54,960
Speaker 3: I love it. Tell me a little bit more. At

1033
00:51:55,000 --> 00:51:57,200
Speaker 3: the start of this episode, you said, I reckon I'm

1034
00:51:57,239 --> 00:52:00,239
Speaker 3: a BS. Is it that budgeting piece that would take

1035
00:52:00,320 --> 00:52:01,920
Speaker 3: you up to an A plus or what else do

1036
00:52:01,960 --> 00:52:03,920
Speaker 3: you think you guys would need to do or change

1037
00:52:04,000 --> 00:52:04,520
Speaker 3: to get there?

1038
00:52:04,719 --> 00:52:08,879
Speaker 4: I think to become an A plus would be to yes,

1039
00:52:09,719 --> 00:52:15,560
Speaker 4: have better oversight of the budget and more knowledge and

1040
00:52:16,080 --> 00:52:17,160
Speaker 4: regular investing.

1041
00:52:17,560 --> 00:52:20,640
Speaker 3: Yeah, fair, fair fear. Talk to me a little bit more.

1042
00:52:20,920 --> 00:52:23,040
Speaker 3: Is there anything that you're doing at the moment to

1043
00:52:23,160 --> 00:52:25,360
Speaker 3: work towards that or is that like, oh, like you

1044
00:52:25,440 --> 00:52:27,439
Speaker 3: know we will at some point, or is that something

1045
00:52:27,480 --> 00:52:29,200
Speaker 3: you're working on, because I feel like you're already working

1046
00:52:29,280 --> 00:52:32,080
Speaker 3: on it, Like throughout your money story, you're talking about

1047
00:52:32,080 --> 00:52:34,040
Speaker 3: your shares ease and your concept pocket up, and I

1048
00:52:34,120 --> 00:52:36,239
Speaker 3: just feel like you're already doing these things. It's just

1049
00:52:36,320 --> 00:52:38,239
Speaker 3: maybe time to get there.

1050
00:52:38,600 --> 00:52:38,799
Speaker 2: Yeah.

1051
00:52:38,840 --> 00:52:41,600
Speaker 4: I think time and just setting it up as a

1052
00:52:42,320 --> 00:52:46,719
Speaker 4: habit to like habitually be putting money aside, whereas at

1053
00:52:46,760 --> 00:52:50,880
Speaker 4: the moment, it's when there's a bit of extra cash,

1054
00:52:51,560 --> 00:52:54,839
Speaker 4: we'll go, okay, well let's throw it in. So yeah,

1055
00:52:54,960 --> 00:52:59,600
Speaker 4: making it more strategy, more strategy, and more like regular,

1056
00:52:59,719 --> 00:53:00,719
Speaker 4: not so sporadic.

1057
00:53:00,960 --> 00:53:02,840
Speaker 3: We need some direct deposits. We need to do our

1058
00:53:02,880 --> 00:53:04,960
Speaker 3: budget and cash flow and understand that and know how

1059
00:53:05,040 --> 00:53:07,239
Speaker 3: much free cash flow we might have, and then we

1060
00:53:07,360 --> 00:53:09,239
Speaker 3: need a direct deposit that we set up every single

1061
00:53:09,280 --> 00:53:11,000
Speaker 3: month or how often you get paid that just takes

1062
00:53:11,040 --> 00:53:12,400
Speaker 3: it away from you and puts it in there so

1063
00:53:12,440 --> 00:53:13,960
Speaker 3: you don't even have to think about it. That's what

1064
00:53:14,040 --> 00:53:15,240
Speaker 3: we need to do exactly.

1065
00:53:15,440 --> 00:53:15,759
Speaker 2: All right.

1066
00:53:15,840 --> 00:53:17,640
Speaker 3: Well, I'm glad that we're on the same page because

1067
00:53:17,680 --> 00:53:20,000
Speaker 3: that's what my money masterclass is going to do, thankfully,

1068
00:53:20,640 --> 00:53:22,439
Speaker 3: But I'm really sad that we've run out of time.

1069
00:53:22,640 --> 00:53:24,279
Speaker 3: I feel like you and I could keep chatting. I

1070
00:53:24,400 --> 00:53:26,520
Speaker 3: just I want to talk more about just like everything,

1071
00:53:27,080 --> 00:53:30,240
Speaker 3: but unfortunately that is not the reality of our situation.

1072
00:53:30,840 --> 00:53:33,000
Speaker 3: Thank you so much for joining me, for having a

1073
00:53:33,080 --> 00:53:35,400
Speaker 3: really good chat. I've taking six million notes because I'm like, oh,

1074
00:53:35,440 --> 00:53:37,200
Speaker 3: this is cool, or she's any age, she does this like,

1075
00:53:37,320 --> 00:53:39,600
Speaker 3: it's just so fun. I feel like it is such

1076
00:53:39,640 --> 00:53:41,640
Speaker 3: a privilege to get to sit down with people like

1077
00:53:41,760 --> 00:53:44,879
Speaker 3: you literally every week and be like, tell me about

1078
00:53:44,880 --> 00:53:47,080
Speaker 3: your money story. How can my community learn from you?

1079
00:53:47,320 --> 00:53:49,120
Speaker 3: So thank you so much, because I know the community

1080
00:53:49,160 --> 00:53:50,120
Speaker 3: is going to eat this one up.

1081
00:53:50,239 --> 00:53:52,080
Speaker 2: Thank you very much for having me Adore.

1082
00:53:52,320 --> 00:54:01,279
Speaker 5: Adore did my share on She's on the Money is

1083
00:54:01,400 --> 00:54:04,960
Speaker 5: general in nature and does not consider your individual circumstances.

1084
00:54:05,360 --> 00:54:08,719
Speaker 3: She's on the Money exists purely for educational purposes and

1085
00:54:08,800 --> 00:54:11,200
Speaker 3: should not be relied upon to make an investment or

1086
00:54:11,320 --> 00:54:12,280
Speaker 3: financial decision.

1087
00:54:12,719 --> 00:54:15,160
Speaker 5: If you do choose to buy a financial product, read

1088
00:54:15,200 --> 00:54:19,280
Speaker 5: the PDS, TMD and obtain appropriate financial advice tailored towards

1089
00:54:19,360 --> 00:54:22,600
Speaker 5: your needs. Victoria Divine and She's on the Money are

1090
00:54:22,680 --> 00:54:27,000
Speaker 5: authorized representatives of Money Sherper Pty Ltd A b N

1091
00:54:27,239 --> 00:54:30,319
Speaker 5: three two one six four nine two seven seven zero

1092
00:54:30,520 --> 00:54:33,560
Speaker 5: eight AFSL four five one two eight nine