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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: for millennials who want financial freedom. Welcome back to another

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Speaker 4: one of our money diaries where I get the absolute

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Speaker 4: pleasure of sitting down and talking to one of our

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Speaker 4: incredible She's on the Money community members all about their

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Speaker 4: money story. Let's jump straight into it, because this week

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Speaker 4: I got a message and it went like this. Hi Victoria,

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Speaker 4: I'm a twenty seven year old full time agricultural student

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Speaker 4: and working in an affiliated field who is coming to

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Speaker 4: terms with no family support after needing to cut them

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Speaker 4: off in recent years, having studied and needing to take

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Speaker 4: a break to prioritize.

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Speaker 2: My mental health.

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Speaker 4: I'm perpetually feeling like I'm at square one on my income.

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Speaker 4: I can't save, i can't invest, and I'm feeling stressed

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Speaker 4: about the future.

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Speaker 2: Help.

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Speaker 4: I need financial security asap. Money Diarist, welcome to the show.

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Speaker 4: I think you're in the right place.

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Speaker 3: Thank you so much. I think I am too.

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Speaker 4: I love this story that you want to share with

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Speaker 4: us because I feel like there are going to be

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Speaker 4: a lot of people in our community who are going

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Speaker 4: to instantly recognize that story and feel like they really

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Speaker 4: related to it. I just think that it's actually more

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Speaker 4: common than we think it is to have to go

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Speaker 4: through circumstances where cutting family members off happens.

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Speaker 3: Yeah, one hundred percent. Even in my friendship circle, I'm

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Speaker 3: not the only one who's had this kind of experience.

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Speaker 3: So yeah, I think I'm really Yeah, I'm really excited

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Speaker 3: to share and hopefully other people resonate.

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Speaker 2: I'm so excited to learn more about you.

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Speaker 4: All right, let's jump straight in the first question, as always,

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Speaker 4: is if I asked you to give yourself a money

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Speaker 4: grade from A through to F, what would it be.

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Speaker 3: I think at the moment, I would give myself a

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Speaker 3: c I think, with what I'm earning at the moment

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Speaker 3: and where I'm at in my life, I think I'm

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Speaker 3: doing pretty well, but I think there's still some room

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Speaker 3: for improvement.

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Speaker 2: Okay, interesting, we'll get into it.

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Speaker 4: My favorite question, money deris can you tell me a

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Speaker 4: little bit more about your money story?

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Speaker 3: Yeah? Yeah, So I'll start When I was nineteen, I'd

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Speaker 3: just gotten back from my gap year. I lived abroad

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Speaker 3: for a year and just had the most wonderful time.

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Speaker 3: Came back and got straight into UNI, which was sort

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Speaker 3: of the expectation from my family and where I grew up.

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Speaker 3: I was studying something that I was really interested in,

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Speaker 3: but not that passionate about. I was sort of like

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Speaker 3: going through the motions. And then about a year and

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Speaker 3: a half into studying, so I was about twenty twenty one,

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Speaker 3: I started to have memories resurface from my childhood and

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Speaker 3: some childhood trauma that I'd experienced, and that came with, yeah,

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Speaker 3: a lot of mental distress. So my mental health really

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Speaker 3: plummeted at that point. And for the first like, yeah,

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Speaker 3: the next year or so, I tried to keep up

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Speaker 3: with UNI, I was doing a little bit of counseling,

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Speaker 3: and then it got to a point where I was like,

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Speaker 3: hold on, like I really need to Yeah, I really

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Speaker 3: need to go deeper into this it's not going away,

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Speaker 3: and really connecting with that belief that I can get better.

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Speaker 3: So I'd been on a wait list for some specific

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Speaker 3: therapy for what I'd experienced for about eight months.

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Speaker 2: Oh my gosh, that's such a long time.

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Speaker 3: It is. It's a really really long time, which also

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Speaker 3: just goes to show how many people need relying on

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Speaker 3: that support.

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Speaker 2: Yeah, my gosh.

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Speaker 3: Yeah, after that long wait, I was able to access

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Speaker 3: counseling with a couple of amazing social workers who I

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Speaker 3: worked with for about two years, getting therapy once a

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Speaker 3: week every week. And yeah, apart from just the time

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Speaker 3: that that took, it was also really mentally exhausting. So

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Speaker 3: I took time off UNI to stop studying completely for

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Speaker 3: two years, and I was sort of, Yeah, the most

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Speaker 3: that I could manage working was three days a week,

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Speaker 3: sometimes four, but yeah, mostly three days a week. So

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Speaker 3: I sort of continued living on that student budget that

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Speaker 3: I had had since I was nineteen. So after the

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Speaker 3: next two years, really doing the work getting the help

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Speaker 3: that I needed to get better and feel a lot

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Speaker 3: better in myself and capable in my life. I decided

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Speaker 3: to go back to UNI to study agriculture, which yeah,

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Speaker 3: I'm really really passionate about. I get super super nerdy

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Speaker 3: about it. Yeah, and I'm sort of, yeah, halfway through

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Speaker 3: that degree. Now I've got another two years to go,

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Speaker 3: and yet working in an affiliated field now part time,

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Speaker 3: which is really awesome. But yeah, as I mentioned when

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Speaker 3: I wrote in part of that recovery journey has been

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Speaker 3: making a disclosure to my parents about what I experienced

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Speaker 3: as a child, and unfortunately they did not respond well

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Speaker 3: to that.

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Speaker 4: Oh no, yeah, I'm so sorry that was your experience,

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Speaker 4: because it would have been hard to even bring it up.

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Speaker 2: That's not something that I can imagine was easy.

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Speaker 3: Yeah, it was awful. It's obviously I wanted to tell

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Speaker 3: them for a long time. But then yeah, because it's

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Speaker 3: so shrouded in secrecy and shame, and yeah, for such

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Speaker 3: a long time. Even like the biggest part of the

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Speaker 3: recovery was like understanding that it wasn't my fault. And yeah, obviously,

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Speaker 3: like spending all those years believing that it was my fault.

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Speaker 3: I couldn't even come to terms with telling my parents

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Speaker 3: because yeah, if I thought it was my fault, then

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Speaker 3: obviously they would too. But yeah, unfortunately I didn't get

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Speaker 3: a positive response from them, and that sort of yeah

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Speaker 3: led to me making the decision, with support from my

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Speaker 3: counselors and my support team, to create some yeah wall

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Speaker 3: like boundaries towards them and yeah, have to cut them off.

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Speaker 3: So it's been almost three years now since I've had

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Speaker 3: direct contact with them, and obviously that means, yeah, not

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Speaker 3: having any financial support, like as well as all the

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Speaker 3: other stuff obviously, but yeah, I think in terms of money,

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Speaker 3: that's the biggest thing for me is like knowing that

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Speaker 3: if I ever needed help financially, it couldn't come from

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Speaker 3: my parents or you know, even some of my friends

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Speaker 3: moving back home so that they can save money to

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Speaker 3: buy a house. That's not an option for me. People

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Speaker 3: sort of talk about, like when you're in your twenties, like, oh,

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Speaker 3: just ring up the bank of mum and dad, and

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Speaker 3: it's like, oh, that's not an option, that's not a thing. Yeah,

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Speaker 3: And instead of looking further ahead, it's like, oh, I

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Speaker 3: don't know, I doubt that I'll get an inheritance and yeah,

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Speaker 3: looking towards the future, bigger things that I want for

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Speaker 3: my life, knowing that, yeah, I'm not going to have

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Speaker 3: that support from them, and just like, yeah, it's quite

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Speaker 3: an emotional burden, like feeling like I have to do

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Speaker 3: it all alone.

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Speaker 4: I'm so proud of you, Like I'm just so proud

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Speaker 4: of everything you've been through because that wouldn't be easy.

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Speaker 4: And it's one of those things that I think a

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Speaker 4: lot of people, especially going through traumatic circumstances, would you

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Speaker 4: say fantasize about. They go, I wish I could do that,

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Speaker 4: And you've actually done and I'm sure that you're in

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Speaker 4: a better mental space. And as much as one hundred

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Speaker 4: of you feel like you've lost something, I can guarantee

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Speaker 4: they've lost more, Like they have lost so much more

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Speaker 4: than you have ever lost. And I think that that

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Speaker 4: is a reflection of them, not a reflection of you.

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Speaker 4: And yeah, it's just so nice to hear from somebody

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Speaker 4: who's like, no, I've actually put myself first and I

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Speaker 4: know that that could impact my finances and could do

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Speaker 4: all of these things, but I promise there's so many

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Speaker 4: resources out there that you don't need them.

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Speaker 2: I promise you don't thank you.

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Speaker 3: Thank you so much.

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Speaker 4: It blows my mind that you've been able to do

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Speaker 4: that because I know that there are going to be

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Speaker 4: people listening going.

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Speaker 2: I wish I was as strong as that.

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Speaker 4: How did you make the decision to go, you know what,

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Speaker 4: I'm going to cut them off, like we're done here,

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Speaker 4: I'm going to put these barriers up, because that's not

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Speaker 4: an easy decision to make, not at all.

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Speaker 3: I think it was definitely a journey. I think at

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Speaker 3: the start when memory started to surface, I was just

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Speaker 3: in denial for quite a long time and just kept

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Speaker 3: thinking like, Okay, I can see that these things happened,

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Speaker 3: but it doesn't affect me. I'm fine. I think I'd

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Speaker 3: just been living with such an intense level of anxiety

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Speaker 3: for so many years that I didn't even understand how

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Speaker 3: unwell I was. And then through therapy, part of what

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Speaker 3: we looked at was around different dynamics and how the

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Speaker 3: situation that we are living in, whether it's family or

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Speaker 3: community or school, like wherever these traumatic experience happened, like

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Speaker 3: the dynamics within that system that perpetuate that secrecy. So

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Speaker 3: it was sort of breaking that down and understanding that like, oh,

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Speaker 3: I couldn't tell my parents up until this point because

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Speaker 3: of all these other dynamics at play, and then getting

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Speaker 3: to a point where I felt confident in myself, confident

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Speaker 3: that it wasn't my fault. I felt like I'd recovered

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Speaker 3: a sense of myself and who I want to be

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Speaker 3: in the world and who I can be and really

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Speaker 3: believing in that. Yeah. And then the next step was

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Speaker 3: making the disclosure, and I did a lot of work

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Speaker 3: with my therapists around potential outcomes of that. We did

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Speaker 3: sort of role plays of like, oh, it could go

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Speaker 3: this way, or it could go that way, and sort

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Speaker 3: of helping me feel prepared for whatever the response would be.

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Speaker 3: And then when it wasn't a supportive response, it was

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Speaker 3: just yeah, it sounds simple, but it was a matter

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Speaker 3: of me saying to myself, like, their response is not

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Speaker 3: my responsibility and there's actually nothing I can do on

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Speaker 3: my own to help them understand. I've given them everything

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Speaker 3: that I am willing to give at this point to

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Speaker 3: help them understand, and yet they just they are going

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Speaker 3: to have to meet me where I am. And that's

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Speaker 3: sort of the boundary that I've put up is like,

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Speaker 3: here am I. Here's what I would like you to do,

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Speaker 3: and if you would like to come and meet me here,

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Speaker 3: then I would be open to that. But if not,

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Speaker 3: it's not my responsibility.

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Speaker 4: And they haven't stepped up and tried to make any

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Speaker 4: progress towards meeting you at that level.

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Speaker 3: I don't know in terms of what they've communicated to me. No, yeah,

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Speaker 3: the most I get is kind of an emotionally manipulative

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Speaker 3: email every couple of months.

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Speaker 2: Oh no, thank you. Absolutely.

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Speaker 3: Yeah, it's not great, but yeah, I don't respond to those,

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Speaker 3: and I've made steps in terms of like, yeah, I

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Speaker 3: have an old email address that they have, which yeah,

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Speaker 3: I don't check. It's not my regular email address, and

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Speaker 3: I set up a PO box which they have that

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Speaker 3: adres but they don't have my home address, mobile number,

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Speaker 3: personal email, any of that. So that's yeah, been really

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Speaker 3: really important for me to create that clear separation.

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Speaker 4: I'm just in awe that you've been able to create

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Speaker 4: such a clear separation, and like, I want to know

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Speaker 4: so much more about your life today, because that's not

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Speaker 4: something that defines you, but I just know that you know,

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Speaker 4: given that's what you're wrote in about. I just think

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Speaker 4: it's important to really sit in that for a moment

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Speaker 4: and go well, what does that mean?

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Speaker 2: How does that work?

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Speaker 4: Tell me a bit more about what it means to

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Speaker 4: you now, Like, have you got really good friends around you?

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Speaker 2: Like, what does support look like now?

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Speaker 3: Yeah, it definitely looks different to I guess the conventional

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Speaker 3: sort of idea of Yeah. I kind of laugh when

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Speaker 3: people throughout phrases like blood is thicker than water and

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Speaker 3: family is everything. Absolutely not. It's just not my experience.

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Speaker 3: I love it for people that do have that, but yeah,

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Speaker 3: that's that's not my life. Yeah. I have incredible friends,

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Speaker 3: just yet the best, most amazing supportive people who love

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Speaker 3: and adore me, and I love and adore them, and

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Speaker 3: they are my family and I treat them like my family.

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Speaker 3: I have, yeah, beautiful housemates. I live in a sharehouse

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Speaker 3: with there's five of us, which is.

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Speaker 2: Just fancy and busy all at one time.

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Speaker 3: Yeah, so where Yeah, we just have a beautiful dynamic.

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Speaker 3: I feel really supported in my home, which is really

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Speaker 3: important to me. Up until February, I went through a breakup, which.

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Speaker 2: Is a whole thing, but just what you needed exactly.

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Speaker 3: I had, Yeah, just a beautiful, supportive, loving partner who

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Speaker 3: was with me through, yeah, through the whole journey. Really

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Speaker 3: We got together when I was twenty and we broke

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Speaker 3: up when I was twenty six. So yeah, she was

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Speaker 3: there through all of it, providing a lot of just

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Speaker 3: like love and care and emotional support and affirmation which

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Speaker 3: was amazing.

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Speaker 4: And yeah, therapists, I just the best, solid tens out

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Speaker 4: of tens, one hundred percent.

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Speaker 3: I don't see those same therapists that I saw for

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Speaker 3: that two year period anymore. I sort of got to

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Speaker 3: a point where I needed to leave the public system.

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Speaker 3: So now I see someone who I yeah, is someone private,

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Speaker 3: so I pay to go and see them. But it's

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Speaker 3: so so important. Yeah, therapy, body work. Yeah, I'm obsessed

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Speaker 3: with acupuncture and boween therapy and getting that you know,

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Speaker 3: somatic system involved. Yeah, so I have a lot of support.

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Speaker 4: Oh I'm so so glad to hear that. All right,

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Speaker 4: I want to know so much more about you as

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Speaker 4: a human being, not about what you've been through.

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Speaker 2: So tell me.

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Speaker 4: Let's get into the nitty gritty of it. What do

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Speaker 4: you earn and what do you do for work?

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Speaker 3: Yeah? So in my degree, my major is in soil science.

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Speaker 3: So I got a job this year at a soil

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Speaker 3: and environmental science consulting firm. So I'm working in the

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Speaker 3: lab there, which is really really fun. So that's what

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Speaker 3: I do for work three days a week, and this

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Speaker 3: semester at UNI, I made the decision to drop back

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Speaker 3: to part time because that had credits from previous study

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Speaker 3: that I can fill in some of those elective spots.

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Speaker 3: I've been able to create a little bit more space.

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Speaker 3: So yeah, doing part time UNI and part time work,

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Speaker 3: So that's yeah, Monday to Friday what I'm doing. And

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Speaker 3: I still am on sentling I actually, which yeah, some

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Speaker 3: people might not know, but yeah, you get youth allowance

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Speaker 3: from twenty one depending on your circumstances, but you transition

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Speaker 3: out of youth allowance when you turn twenty five and

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Speaker 3: move on too oz study. But because both of the

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Speaker 3: degrees that I've done are undergraduate degrees, they only give

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Speaker 3: you three and a half years of student support payments.

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Speaker 3: So at the beginning of the year, I got a

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Speaker 3: lot from Centalinks saying that my odd study payment time

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Speaker 3: had run out, which was hell is.

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Speaker 2: Stressful, I guess it sounds it, but yeah, I was.

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Speaker 3: Able to talk to them and I was able to

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Speaker 3: go on a different type of payment, which yeah, has

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Speaker 3: been great. So I still get senlink. But between senalincn work,

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Speaker 3: I own about one one hundred dollars a fortnite.

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Speaker 2: What does that look like?

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Speaker 4: So you were saying in your letter into me, like, look,

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Speaker 4: I can't say if I can't invest, I don't feel

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Speaker 4: like the one one hundred dollars a fortnite goes that far.

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Speaker 4: Does that mean that you're really constricted? Like what does

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Speaker 4: your budgeting look like? Because obviously there's things in your

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Speaker 4: budget that might not be in mine.

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Speaker 3: Yeah, I think, well, my biggest expense is rent. That's

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Speaker 3: about a third of my income. I yeah, obviously pay

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Speaker 3: for groceries, bills, incidental things. Now that I'm paying for therapy, again,

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Speaker 3: that's an expense. I have a gym membership. I try

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Speaker 3: and not restrict myself too much. So I still like

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Speaker 3: to buy myself something nice every now and then, or

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Speaker 3: ye go out to dinner with my friends or my housemates,

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Speaker 3: or go and get drinks. So I try to have

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Speaker 3: a balance of like making sure that my material needs

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Speaker 3: are met and then also yeah, being involved in life.

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Speaker 3: But yeah, there's just not really any room to try

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Speaker 3: and save a lot of money. I do try and

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Speaker 3: build up an emergency fund, but yeah, I often have

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Speaker 3: to dip into it.

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Speaker 2: So that's okay, that's so fine.

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Speaker 3: It feels kind of demoralizing sometimes.

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Speaker 2: No, absolutely not.

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Speaker 4: What you've got to remember is this is a season

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Speaker 4: of your life, Like life is not going to be

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Speaker 4: like this forever. You're not going to be studying forever.

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Speaker 4: You're not going to be on Stendling forever. You're not

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Speaker 4: going to have this income forever. And if you can't

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Speaker 4: save right now, do.

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Speaker 2: You know why? Because it makes sense.

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Speaker 4: It makes sense that you can't save with that. It's

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Speaker 4: not because you're bad at money. It's not because you're,

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Speaker 4: you know, maybe not good.

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Speaker 2: At navigating things. It's because, babe, there's not enough of it.

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Speaker 3: It just makes sense.

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Speaker 4: And the fact that you even prioritize an emergency fund

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Speaker 4: tells me that you are so financially literate, like you're

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Speaker 4: ready to take all of those next steps, and like,

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Speaker 4: look what you'll be able to create when you do

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Speaker 4: have more income because of the priorities you've set up.

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Speaker 2: If you're dipping into your emergency fund, that's what it's for,

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Speaker 2: to make sure you're not going into debt. Don't let

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Speaker 2: that be demoralizing.

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Speaker 4: Let that be something that you go so glad I

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Speaker 4: put that to the side because I completely forgot this was.

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Speaker 2: Coming up this month. Look what past you did for

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Speaker 2: future you? Like that's kind of sexy.

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Speaker 3: Yeah, yeah, it is. Okay, that's so much nicer way

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Speaker 3: to think about it.

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Speaker 2: One thousand percent it is. Don't think it's a bad thing.

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Speaker 4: I feel like so many times people crucify themselves for

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Speaker 4: being bad at money, when the reality is that just

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00:19:00,400 --> 00:19:03,240
Speaker 4: isn't enough of it in that season of life for

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Speaker 4: you to do all the things.

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Speaker 2: That you prioritize.

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Speaker 4: So I think everybody says things like I really want

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Speaker 4: to save, I really want to invest like we do,

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Speaker 4: because if you're listening to this podcast and you're part

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Speaker 4: of my community, you know the value of that.

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Speaker 2: You know what that can do for future you.

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Speaker 4: And it does feel like you're missing out when you're

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Speaker 4: not able to do those things. But I think we

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Speaker 4: have to be reasonable right now, Technically, my friend, you

359
00:19:27,680 --> 00:19:29,800
Speaker 4: could go out and get a full time job. You

360
00:19:29,880 --> 00:19:33,159
Speaker 4: absolutely could, but you're setting yourself up in a career

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Speaker 4: that you're going to love, a career that you're going

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Speaker 4: to have a really good time in while making good income.

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Speaker 4: But we've got to study first. We've got to go

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Speaker 4: through this to get out the other side. And that's okay. Yeah,

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Speaker 4: it's so okay. But I do have a dumb question, Yes,

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Speaker 4: what is soil science? And how did you get involved

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Speaker 4: in that? How does someone wake up one day and say,

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Speaker 4: do you know what? I'm just so interested in soil science? Yeah,

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Speaker 4: where would I use that in my everyday life?

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Speaker 3: It's a great question. In most people's everyday life. I

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Speaker 3: just don't think you would use it.

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Speaker 2: I'm glad because I've never heard of it.

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Speaker 3: If you've got some pot plants, you might want to

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Speaker 3: know a few things about soil, But yeah, for most people,

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Speaker 3: it's not part of everyday life. Basically, what it is

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Speaker 3: is a series of sort of things that make up soil,

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Speaker 3: so the chemistry, the physical structure, and the biology and

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Speaker 3: how all of those things interact and then how they

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Speaker 3: interact with plants and the broader environment. So yeah, I'm

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00:20:36,000 --> 00:20:41,159
Speaker 3: really interested in things like sort of helping stop erosion,

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Speaker 3: which causes huge problems for the environment. In Australia, we

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Speaker 3: have very old soils, so they don't have a lot

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Speaker 3: of nutrients in them compared to other places in the world,

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Speaker 3: so it means that when we're growing food, we have

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Speaker 3: to apply a lot of fertilizers, and then if we're

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Speaker 3: not being responsible with how we're applying those, it can

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Speaker 3: leach out into the environment in our waterways and cause

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Speaker 3: all sorts of issues there. So it's a pretty Yeah.

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Speaker 3: I feel like it's really important.

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Speaker 5: That's very cool.

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Speaker 2: I'm glad I asked.

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Speaker 4: I feel smarter because I asked, Oh, that's good, and

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Speaker 4: that's something that's so necessary. And here you are being like, oh,

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Speaker 4: I don't think I'm doing that well, and you're basically

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Speaker 4: saving our planet.

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Speaker 2: Ten out of ten you.

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Speaker 3: Thank you. Vin.

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Speaker 2: All Right, I need to know more. What are your

399
00:21:28,200 --> 00:21:29,280
Speaker 2: big money goals.

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Speaker 4: I know you said I'm not able to save, I'm

401
00:21:30,920 --> 00:21:32,720
Speaker 4: not able to invest, But talk to me about what

402
00:21:32,840 --> 00:21:35,240
Speaker 4: your big money goals are and what we're working towards.

403
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Speaker 3: At the moment, my biggest money goal is to travel more.

404
00:21:41,560 --> 00:21:45,680
Speaker 3: I yeah, did a gap year and it was amazing,

405
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Speaker 3: And one of the most amazing things about it was

406
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Speaker 3: meeting incredible people who, yeah, I just my people, but

407
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Speaker 3: they just happened to live very very far away from me.

408
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Speaker 3: So I haven't seen two of my best friends in

409
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Speaker 3: all most five years. So I really really want to

410
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Speaker 3: go and see them ones in Mexico and the other

411
00:22:05,800 --> 00:22:06,880
Speaker 3: ones in England, so.

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Speaker 2: Not bad places to visit, not at all.

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Speaker 3: And there's yeah, a bit of a UNI exchange that

414
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Speaker 3: I'm looking at for next year over my winter UNI break,

415
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Speaker 3: so it would be summer in Europe where I want

416
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Speaker 3: to go. So I would really really love to do that,

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Speaker 3: But obviously travel costs a lot of money. And then

418
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Speaker 3: thinking longer term, I really would like to have kids

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Speaker 3: one day. And I'm gay, so that makes it a

420
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Speaker 3: little bit more complicated and expensive than for our hetero friends.

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Speaker 3: So yeah, that's sort of something that I think about

422
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Speaker 3: for the future. And yeah, I think just being able

423
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Speaker 3: to move outside of the paycheck to paycheck mindset is

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Speaker 3: yet a big goal of mine.

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Speaker 4: Yeah, and it's going to be so easy once you

426
00:22:56,520 --> 00:22:58,479
Speaker 4: have a full time job. I feel like you're in

427
00:22:58,520 --> 00:22:59,480
Speaker 4: the right mindset.

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Speaker 2: I love it.

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Speaker 4: I feel like you've come so far. Let's go to

430
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Speaker 4: a really quick break. And on the flip side, I'm

431
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Speaker 4: going to ask you about maybe if.

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00:23:05,640 --> 00:23:08,159
Speaker 2: You have investments and then invest and worse money.

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Speaker 4: Habits, because I feel like you've probably got a few

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Speaker 4: good ones up your sleeve.

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Speaker 2: Don't go anywhere. Guys.

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Speaker 4: All right, money diarist, we are back, and I want

437
00:23:20,000 --> 00:23:22,080
Speaker 4: to know first cab off the rank. I know you

438
00:23:22,119 --> 00:23:24,119
Speaker 4: said you don't have money to invest, but do you

439
00:23:24,280 --> 00:23:25,440
Speaker 4: have any investments?

440
00:23:25,520 --> 00:23:26,640
Speaker 2: If so, what are they?

441
00:23:27,320 --> 00:23:29,280
Speaker 3: I do listen to your podcast, so I know that

442
00:23:29,440 --> 00:23:33,160
Speaker 3: superannuation is an investment. This is where I was going.

443
00:23:35,080 --> 00:23:37,480
Speaker 3: I looked it up before this. I have almost ten

444
00:23:37,520 --> 00:23:38,680
Speaker 3: thousand dollars in super.

445
00:23:38,840 --> 00:23:39,560
Speaker 2: Well that's good.

446
00:23:40,119 --> 00:23:44,280
Speaker 3: Yeah, it is good. Yeah. I think having that and

447
00:23:44,320 --> 00:23:47,560
Speaker 3: knowing that I've got that also helps me understand investing more,

448
00:23:48,000 --> 00:23:50,080
Speaker 3: which is really cool. Looking at my little graph of

449
00:23:50,119 --> 00:23:53,000
Speaker 3: how much my money has grown is really fun. But

450
00:23:53,359 --> 00:23:55,399
Speaker 3: I would like to invest more. I'm just in a

451
00:23:55,480 --> 00:23:58,960
Speaker 3: situation now where if I have money in investments and

452
00:23:59,040 --> 00:24:03,040
Speaker 3: I'm on settlink, it'll mess with that whole thing and

453
00:24:03,359 --> 00:24:05,440
Speaker 3: might mean that I get kicked off sent a link.

454
00:24:05,640 --> 00:24:08,040
Speaker 3: So yeah, just super at the moment.

455
00:24:08,119 --> 00:24:11,160
Speaker 4: Yeah, now is the season of your life where you're

456
00:24:11,200 --> 00:24:14,920
Speaker 4: supposed to be learning about investments, maybe not investing immediately,

457
00:24:15,080 --> 00:24:17,760
Speaker 4: maybe not like kicking it off, but putting yourself in

458
00:24:17,760 --> 00:24:20,119
Speaker 4: a position where you're ready you can do it. You

459
00:24:20,160 --> 00:24:22,240
Speaker 4: know what you'd want to do, how it would work,

460
00:24:22,280 --> 00:24:24,480
Speaker 4: what that would look like. You're totally across your super

461
00:24:25,000 --> 00:24:27,240
Speaker 4: and how that has been performing and working over the

462
00:24:27,320 --> 00:24:29,879
Speaker 4: last few years. And I think that too many of

463
00:24:29,960 --> 00:24:32,200
Speaker 4: us when we listen to the Sheese on the Money podcast,

464
00:24:32,560 --> 00:24:36,399
Speaker 4: immediately go I really need to be investing, and yeah, great,

465
00:24:36,600 --> 00:24:38,880
Speaker 4: Like I want you to invest as soon as possible too,

466
00:24:39,119 --> 00:24:41,000
Speaker 4: but I want you to invest as soon as it

467
00:24:41,040 --> 00:24:44,640
Speaker 4: is financially feasible and doesn't put additional pressures on you.

468
00:24:45,240 --> 00:24:47,719
Speaker 4: I think that a lot of people get FOMO, and

469
00:24:47,760 --> 00:24:50,159
Speaker 4: if that's the case, there are so many resources out

470
00:24:50,200 --> 00:24:52,320
Speaker 4: there where we can learn about it for free. Listen

471
00:24:52,359 --> 00:24:54,160
Speaker 4: to the pod, hang out with us for a while.

472
00:24:54,200 --> 00:24:56,359
Speaker 4: I don't care if you haven't invested yet or not,

473
00:24:56,560 --> 00:24:58,879
Speaker 4: like there's going to be a good reason why you haven't,

474
00:24:59,200 --> 00:25:02,040
Speaker 4: and that's totally okay. But I just know the second

475
00:25:02,080 --> 00:25:03,639
Speaker 4: you have your full time job and you hit the

476
00:25:03,640 --> 00:25:05,320
Speaker 4: ground running, oh my gosh, you're going.

477
00:25:05,240 --> 00:25:06,680
Speaker 2: To kill it. It's going to be great.

478
00:25:06,800 --> 00:25:07,199
Speaker 3: Thank you.

479
00:25:08,480 --> 00:25:10,639
Speaker 4: Next question I have my friend is do you have

480
00:25:10,680 --> 00:25:12,440
Speaker 4: any debts? If so, what are they?

481
00:25:12,800 --> 00:25:17,040
Speaker 3: Yeah? I do have debt In terms of my hex

482
00:25:17,560 --> 00:25:22,199
Speaker 3: I've been really careful about taking out personal loans, just

483
00:25:22,280 --> 00:25:25,520
Speaker 3: because I know that I don't have a backup plan

484
00:25:25,760 --> 00:25:29,480
Speaker 3: if that starts to snowball. I do use after pay

485
00:25:29,680 --> 00:25:32,960
Speaker 3: every now and then, but yeah, I really make sure

486
00:25:33,000 --> 00:25:35,040
Speaker 3: that I am going to be able to pay it off.

487
00:25:35,720 --> 00:25:39,800
Speaker 3: So my HEX set at the moment, combined with the

488
00:25:40,000 --> 00:25:42,840
Speaker 3: startup loans that I've received over the last few years,

489
00:25:42,920 --> 00:25:45,240
Speaker 3: is almost thirty four thousand dollars.

490
00:25:45,560 --> 00:25:49,040
Speaker 2: Pretty standard, which is a bit scary now pretty.

491
00:25:48,720 --> 00:25:52,080
Speaker 4: Standard, especially if you're halfway through your degree. There was

492
00:25:52,200 --> 00:25:54,160
Speaker 4: one point in my life where my HEX s deet

493
00:25:54,200 --> 00:25:56,960
Speaker 4: was more than six figures. I think that gave me

494
00:25:57,080 --> 00:25:58,000
Speaker 4: mad anxiety.

495
00:25:58,119 --> 00:26:00,280
Speaker 2: But you know what you get what you get.

496
00:26:00,880 --> 00:26:03,960
Speaker 4: Yeah, all right, next question, I feel like you've got

497
00:26:04,080 --> 00:26:05,840
Speaker 4: probably a few good ones up your sleeve.

498
00:26:05,920 --> 00:26:07,800
Speaker 2: What is your best money habit?

499
00:26:08,200 --> 00:26:11,800
Speaker 3: Yeah, I was thinking about this question. I think my

500
00:26:12,359 --> 00:26:19,280
Speaker 3: best money habit is prioritizing my mental health. I always

501
00:26:19,320 --> 00:26:25,080
Speaker 3: prioritize spending money on therapy. I go to therapy regularly,

502
00:26:25,119 --> 00:26:28,679
Speaker 3: but if I'm having a particularly difficult week or fortnight

503
00:26:28,800 --> 00:26:33,080
Speaker 3: or month, I prioritize booking in that extra session. Yeah,

504
00:26:33,160 --> 00:26:36,359
Speaker 3: going to acupuncture, getting a massage, doing simpo, and like

505
00:26:36,480 --> 00:26:39,720
Speaker 3: all these things that I have in my toolbox to

506
00:26:40,560 --> 00:26:44,560
Speaker 3: help me stay mentally well, Yeah, if it means eating

507
00:26:45,280 --> 00:26:49,359
Speaker 3: beans and rice for a week, because I've spent money

508
00:26:49,359 --> 00:26:52,359
Speaker 3: on therapy instead, I'd always rather spend that money on

509
00:26:52,400 --> 00:26:56,480
Speaker 3: my mental health. Yeah. In terms of other money habits,

510
00:26:56,480 --> 00:27:00,720
Speaker 3: I do have a budget, which I try stick as

511
00:27:00,800 --> 00:27:05,040
Speaker 3: close to as possible. But I really like to visualize

512
00:27:05,600 --> 00:27:08,919
Speaker 3: where my money is going because it's so easy for

513
00:27:09,000 --> 00:27:11,760
Speaker 3: me to just tap on my card and let it

514
00:27:11,800 --> 00:27:12,399
Speaker 3: fly away.

515
00:27:12,880 --> 00:27:14,000
Speaker 2: So relatable.

516
00:27:14,280 --> 00:27:19,119
Speaker 3: Yeah, it's just so easy. If I yeah, I'm thinking

517
00:27:19,160 --> 00:27:23,080
Speaker 3: of buying myself something I do really like to treat myself.

518
00:27:23,359 --> 00:27:26,520
Speaker 3: But I do have that conversation with myself of like, Okay,

519
00:27:27,560 --> 00:27:29,960
Speaker 3: can I afford this right now? Can I afford this

520
00:27:30,040 --> 00:27:33,080
Speaker 3: in a month? If I buy this now? What else?

521
00:27:33,200 --> 00:27:35,720
Speaker 3: What do I have to sacrifice? Because my income is

522
00:27:35,760 --> 00:27:40,159
Speaker 3: so small. If I am spending money in one area,

523
00:27:40,600 --> 00:27:43,240
Speaker 3: it might have to come out of another area, So

524
00:27:43,280 --> 00:27:45,280
Speaker 3: I try and be quite conscious of that.

525
00:27:45,640 --> 00:27:46,119
Speaker 2: I love that.

526
00:27:46,320 --> 00:27:49,000
Speaker 4: I love that you're so thoughtful in your purchases because

527
00:27:49,000 --> 00:27:53,040
Speaker 4: so many people on similar income just go eh, I

528
00:27:53,040 --> 00:27:55,600
Speaker 4: don't care or deal with it later. And this idea

529
00:27:55,680 --> 00:27:57,479
Speaker 4: of your asking yourself can I afford it?

530
00:27:57,520 --> 00:27:58,200
Speaker 3: Next month?

531
00:27:58,400 --> 00:28:01,359
Speaker 4: Is this something that is going to be compromise? In other areas,

532
00:28:01,400 --> 00:28:05,320
Speaker 4: people don't ask themselves these questions. I've got serious issues

533
00:28:05,359 --> 00:28:07,120
Speaker 4: to take up with you after about why you think

534
00:28:07,160 --> 00:28:07,920
Speaker 4: you're only a set.

535
00:28:07,960 --> 00:28:09,119
Speaker 2: But we'll get there in a minute.

536
00:28:10,520 --> 00:28:13,320
Speaker 4: I want to know next, though, what is your worst

537
00:28:13,480 --> 00:28:14,160
Speaker 4: money habit?

538
00:28:15,880 --> 00:28:20,679
Speaker 3: Yeah, my worst money habit. I think it comes with

539
00:28:20,720 --> 00:28:24,800
Speaker 3: the territory. But I always make plans for when I

540
00:28:24,840 --> 00:28:30,320
Speaker 3: have extra money, which just doesn't really happen. So it

541
00:28:30,440 --> 00:28:34,119
Speaker 3: sort of keeps me in this cycle of like always

542
00:28:34,200 --> 00:28:39,520
Speaker 3: feeling like I don't have enough and always wanting for things. Yeah,

543
00:28:39,560 --> 00:28:42,440
Speaker 3: and I sort of when I do get a little

544
00:28:42,440 --> 00:28:45,160
Speaker 3: bit more money, like yeah, I just recently sold a

545
00:28:45,160 --> 00:28:47,720
Speaker 3: bunch of clothes that I don't wear anymore, and I

546
00:28:47,840 --> 00:28:49,480
Speaker 3: already had in my head like, oh, I'm going to

547
00:28:49,560 --> 00:28:53,280
Speaker 3: spend this money on this, this, and this, which yeah,

548
00:28:53,840 --> 00:28:58,600
Speaker 3: is probably fine, but because it it's sort of like

549
00:28:58,680 --> 00:29:01,080
Speaker 3: this idea I have of like, oh, this is extra money.

550
00:29:01,320 --> 00:29:04,040
Speaker 4: It's that girl math that's going around. I feel like,

551
00:29:04,080 --> 00:29:06,760
Speaker 4: have you seen all of those tiktoks and those instagrams?

552
00:29:07,600 --> 00:29:08,600
Speaker 2: It's a girl math.

553
00:29:08,960 --> 00:29:12,320
Speaker 4: If it's on a gift card, it's free money. If

554
00:29:12,440 --> 00:29:15,640
Speaker 4: I sold an outfit. It's free money. Like I laughed

555
00:29:15,680 --> 00:29:18,720
Speaker 4: so much, because that is our mentality. I mean, we

556
00:29:19,000 --> 00:29:20,880
Speaker 4: as women are smarter than that.

557
00:29:21,560 --> 00:29:23,640
Speaker 2: But I don't know. Sometimes you need to give yourself

558
00:29:23,680 --> 00:29:25,080
Speaker 2: a little treaty treat and that's okay.

559
00:29:25,560 --> 00:29:30,960
Speaker 3: Yeah, I think, yeah, it does create extra stress sometimes

560
00:29:31,240 --> 00:29:34,320
Speaker 3: to be like, oh I need to Like I had

561
00:29:34,320 --> 00:29:36,800
Speaker 3: a righty pair of Doc Martins that I'd had for

562
00:29:36,840 --> 00:29:40,520
Speaker 3: like eight years and they were just disgusting, Like I

563
00:29:40,640 --> 00:29:42,440
Speaker 3: just it got to the point where I just like

564
00:29:42,480 --> 00:29:43,840
Speaker 3: would be out wearing them.

565
00:29:44,040 --> 00:29:46,400
Speaker 2: They were well loved, Yeah, I would.

566
00:29:46,280 --> 00:29:49,520
Speaker 3: Just feel like embarrassed to have them on my feet.

567
00:29:50,160 --> 00:29:54,240
Speaker 3: And they're expensive shoes, and I was always like, oh,

568
00:29:54,320 --> 00:29:56,920
Speaker 3: when I have a bit of extra money, I will

569
00:29:57,120 --> 00:29:59,320
Speaker 3: buy that pair of shoes. And then when I did

570
00:29:59,320 --> 00:30:00,960
Speaker 3: get a bit of e X your money, I was like, oh,

571
00:30:00,960 --> 00:30:04,440
Speaker 3: actually I'm going to spend this money on this instead. Yeah,

572
00:30:04,480 --> 00:30:05,440
Speaker 3: it's a bit of a trap.

573
00:30:05,520 --> 00:30:07,320
Speaker 4: So where are we at with the Doc Martins Now

574
00:30:07,440 --> 00:30:09,200
Speaker 4: we're still wearing my loved ones?

575
00:30:09,320 --> 00:30:10,000
Speaker 2: Oh good way.

576
00:30:10,080 --> 00:30:13,520
Speaker 3: No, I found some on marketplace for about half the

577
00:30:13,560 --> 00:30:15,880
Speaker 3: retail price, so I was very happy with that money.

578
00:30:16,480 --> 00:30:19,680
Speaker 2: I love that. Yeah, she's savvy with those shopping too.

579
00:30:21,360 --> 00:30:26,760
Speaker 3: Uh huh. Yeah. I think the other like money habit

580
00:30:26,840 --> 00:30:29,840
Speaker 3: that I thought of, which, yeah, I don't know if

581
00:30:29,880 --> 00:30:32,560
Speaker 3: it's as much of a habit as it is a mindset,

582
00:30:32,720 --> 00:30:36,400
Speaker 3: is that because I don't have that connection with my family,

583
00:30:36,800 --> 00:30:41,360
Speaker 3: I know that whatever money I earn, or whatever big

584
00:30:41,400 --> 00:30:43,520
Speaker 3: financial decisions I want to make in the future, it's

585
00:30:43,520 --> 00:30:45,720
Speaker 3: all going to come down to me and like money

586
00:30:45,720 --> 00:30:51,880
Speaker 3: that I personally have. So it's sort of this belief that, like,

587
00:30:52,200 --> 00:30:55,320
Speaker 3: no matter how much money I have, or how much

588
00:30:55,360 --> 00:30:57,960
Speaker 3: money I save or invest, it's never going to be enough.

589
00:30:58,200 --> 00:30:59,600
Speaker 2: That's not true, though, is it.

590
00:31:00,080 --> 00:31:00,760
Speaker 3: Yeah.

591
00:31:00,800 --> 00:31:04,120
Speaker 4: I feel like that's such a commonplace to be. But

592
00:31:04,760 --> 00:31:08,000
Speaker 4: I mean, I don't want to compare circumstances because everybody

593
00:31:08,000 --> 00:31:10,960
Speaker 4: else's circumstances are different. But there are so many people

594
00:31:10,960 --> 00:31:13,880
Speaker 4: in our community who have really great relationships with their

595
00:31:13,920 --> 00:31:17,080
Speaker 4: parents and still can't rely on them financially. And I mean,

596
00:31:17,280 --> 00:31:19,880
Speaker 4: it's so nice to think that, you know, you've got

597
00:31:19,880 --> 00:31:23,040
Speaker 4: that support in the background. But I am a very

598
00:31:23,040 --> 00:31:26,280
Speaker 4: big believer that family has made and you can create

599
00:31:26,320 --> 00:31:28,479
Speaker 4: your own and there are going to be you know,

600
00:31:28,560 --> 00:31:31,000
Speaker 4: at the end of the day, if sh one t

601
00:31:31,280 --> 00:31:34,720
Speaker 4: hits the fan. I promise from what you've told me,

602
00:31:34,760 --> 00:31:37,120
Speaker 4: there are people around you that would support you through

603
00:31:37,160 --> 00:31:40,200
Speaker 4: anything that you were going through. And that is more

604
00:31:40,240 --> 00:31:42,160
Speaker 4: than what a lot of people have, even if they

605
00:31:42,200 --> 00:31:45,840
Speaker 4: have relationships with their parents. So I think it's one

606
00:31:45,840 --> 00:31:48,120
Speaker 4: of those things where it feels really lonely and it

607
00:31:48,120 --> 00:31:51,800
Speaker 4: feels really awful because you're comparing to a reality that

608
00:31:51,840 --> 00:31:55,160
Speaker 4: you thought was going to be yours, but in the

609
00:31:55,200 --> 00:31:57,560
Speaker 4: grand scheme of things, it's not. And now you're creating

610
00:31:57,560 --> 00:32:00,080
Speaker 4: your own financial freedom, and you know you've got the

611
00:32:00,200 --> 00:32:02,320
Speaker 4: big goals. You want to have kids, and I'm assuming

612
00:32:02,360 --> 00:32:04,440
Speaker 4: that if you want to have kids, you probably want

613
00:32:04,480 --> 00:32:07,120
Speaker 4: another partner at some point, and then there'll be a

614
00:32:07,240 --> 00:32:09,800
Speaker 4: dual income and you get to create your own reality

615
00:32:09,840 --> 00:32:13,280
Speaker 4: and your own family and have you know, the respect

616
00:32:13,320 --> 00:32:15,920
Speaker 4: that wasn't afforded to you in that family. And I

617
00:32:15,960 --> 00:32:19,360
Speaker 4: think that that that's so beautiful, Like that's better than going, oh,

618
00:32:19,400 --> 00:32:21,920
Speaker 4: we might get an inheritance, or we might get some cash,

619
00:32:22,000 --> 00:32:22,840
Speaker 4: or we might do.

620
00:32:22,760 --> 00:32:24,360
Speaker 2: Now we don't need that. We can do it on

621
00:32:24,400 --> 00:32:24,800
Speaker 2: our own.

622
00:32:24,880 --> 00:32:27,040
Speaker 4: We don't need other people to come in and save

623
00:32:27,120 --> 00:32:29,720
Speaker 4: us when we're completely capable human beings.

624
00:32:30,120 --> 00:32:32,200
Speaker 2: And I think that that is a very hard.

625
00:32:32,000 --> 00:32:34,560
Speaker 4: Pill to swallow, especially if you grew up in a

626
00:32:34,600 --> 00:32:37,920
Speaker 4: family that, from the outside looking in looked really loving

627
00:32:37,960 --> 00:32:40,720
Speaker 4: and kind and supportive and all of those things, when

628
00:32:40,720 --> 00:32:43,000
Speaker 4: in reality they've shown you that that's not what they are,

629
00:32:43,040 --> 00:32:44,040
Speaker 4: and that's heartbreaking.

630
00:32:44,320 --> 00:32:44,720
Speaker 3: Yeah.

631
00:32:44,840 --> 00:32:47,560
Speaker 2: So no, oh my gosh, no bad money habits.

632
00:32:47,760 --> 00:32:50,880
Speaker 4: Last question I have for you, at the very start

633
00:32:50,920 --> 00:32:54,120
Speaker 4: of this conversation, when I asked you what your money

634
00:32:54,200 --> 00:32:57,840
Speaker 4: habits were graded, you said, I'm a C. Can you

635
00:32:57,920 --> 00:33:00,440
Speaker 4: expland a little bit more on why you think curiousity

636
00:33:00,520 --> 00:33:02,880
Speaker 4: and if after this conversation you still think you fall

637
00:33:02,920 --> 00:33:04,960
Speaker 4: into that bucket, and if you do, why.

638
00:33:05,640 --> 00:33:08,959
Speaker 3: I thought I was a C. I think exactly what

639
00:33:09,000 --> 00:33:11,560
Speaker 3: you just talked about. I think I was comparing myself

640
00:33:11,720 --> 00:33:17,040
Speaker 3: to what I thought I should have and because I'm

641
00:33:17,240 --> 00:33:20,640
Speaker 3: in my late twenties now, so are all my friends.

642
00:33:20,960 --> 00:33:23,600
Speaker 3: I'm looking at my friends who have been working full

643
00:33:23,640 --> 00:33:27,280
Speaker 3: time for you know, like five plus years, and looking

644
00:33:27,320 --> 00:33:32,760
Speaker 3: at their investments, terrible comparison to get to spend money on. Yeah,

645
00:33:32,920 --> 00:33:35,480
Speaker 3: so I was sort of like, oh, I think I'm

646
00:33:35,520 --> 00:33:37,760
Speaker 3: doing all right for where I am. So I'll give

647
00:33:37,760 --> 00:33:42,000
Speaker 3: myself a C. But I definitely feel a lot better

648
00:33:42,200 --> 00:33:44,480
Speaker 3: since this chat. I think I would even I think

649
00:33:44,480 --> 00:33:45,520
Speaker 3: I would give myself an A.

650
00:33:46,120 --> 00:33:49,240
Speaker 2: I would give you an A too, I absolutely would.

651
00:33:49,800 --> 00:33:52,640
Speaker 4: Like I just feel like hearing this story and what

652
00:33:52,680 --> 00:33:55,000
Speaker 4: you've been through and what you're like currently going through,

653
00:33:55,000 --> 00:33:56,920
Speaker 4: and what you earn and how you're allocating it, and

654
00:33:56,960 --> 00:33:59,360
Speaker 4: how thoughtful you are with the way that you spend

655
00:33:59,360 --> 00:34:01,600
Speaker 4: your money in the act that you budget, and you

656
00:34:01,800 --> 00:34:04,320
Speaker 4: just have this level of reflection that a lot of

657
00:34:04,320 --> 00:34:07,560
Speaker 4: people don't have when going to make purchases. I just go,

658
00:34:07,800 --> 00:34:10,600
Speaker 4: there's no way you're a C like, absolutely not. And

659
00:34:10,680 --> 00:34:15,080
Speaker 4: I think that sometimes we grade ourselves lower because we

660
00:34:15,200 --> 00:34:17,400
Speaker 4: think that to be good at money we have to

661
00:34:17,440 --> 00:34:19,799
Speaker 4: have lots of it, and you don't have to have

662
00:34:19,880 --> 00:34:22,480
Speaker 4: lots of money to be good at money. Like, from

663
00:34:22,640 --> 00:34:26,640
Speaker 4: my understanding, you're killing it basically, And that's really cool

664
00:34:26,880 --> 00:34:29,480
Speaker 4: because do you know how many full time people have

665
00:34:29,680 --> 00:34:33,799
Speaker 4: incomes of six figures and also six figures of personal debt?

666
00:34:34,160 --> 00:34:36,960
Speaker 2: Yeah, like my friend, they think they're killing it.

667
00:34:37,320 --> 00:34:39,880
Speaker 4: And I don't mean to throw shade at that, but

668
00:34:40,000 --> 00:34:42,680
Speaker 4: there's just this demographic of people who you might look

669
00:34:42,680 --> 00:34:45,520
Speaker 4: at and go, wow, I really can't believe that they're

670
00:34:45,520 --> 00:34:49,320
Speaker 4: doing so well and they're you know, absolutely loving life,

671
00:34:49,400 --> 00:34:49,680
Speaker 4: but you.

672
00:34:49,640 --> 00:34:51,480
Speaker 2: Don't see what's going on under the hood.

673
00:34:51,560 --> 00:34:53,640
Speaker 4: And I think it's just so important to put those

674
00:34:53,680 --> 00:34:55,719
Speaker 4: blinkers back on and only look at your journey and

675
00:34:55,719 --> 00:34:58,760
Speaker 4: how well you're doing for you and stop comparing yourself

676
00:34:58,800 --> 00:34:59,160
Speaker 4: to friends.

677
00:34:59,280 --> 00:35:01,560
Speaker 2: I do it all the time. It's so toxic. One

678
00:35:01,560 --> 00:35:07,120
Speaker 2: out of ten cannot recommend doing that. Terrible strategy. Yeah, yeah,

679
00:35:07,160 --> 00:35:08,520
Speaker 2: it sucks one out of ten.

680
00:35:08,640 --> 00:35:11,600
Speaker 4: All right, money, Darrist. Unfortunately, that is all we have

681
00:35:11,760 --> 00:35:14,839
Speaker 4: time for today. I have a door getting to know you,

682
00:35:14,920 --> 00:35:17,000
Speaker 4: have a chat with you, and really just shed some

683
00:35:17,120 --> 00:35:19,400
Speaker 4: light on a topic that we hadn't discussed on the

684
00:35:19,440 --> 00:35:23,480
Speaker 4: podcast before. As I said before, I'm so ridiculously proud

685
00:35:23,480 --> 00:35:25,799
Speaker 4: of you, and I just know you've got so much

686
00:35:25,840 --> 00:35:27,840
Speaker 4: to achieve and you're going to go so far, and

687
00:35:27,880 --> 00:35:29,640
Speaker 4: I hope that you keep in touch and keep me

688
00:35:29,719 --> 00:35:31,319
Speaker 4: updated and let me know what goes on.

689
00:35:31,600 --> 00:35:34,160
Speaker 3: Thank you so much for it's been awesome chatting with you.

690
00:35:34,280 --> 00:35:35,680
Speaker 2: Oh my gosh, right back at you.

691
00:35:42,000 --> 00:35:44,560
Speaker 5: The advice sheared on She's on the money is general

692
00:35:44,600 --> 00:35:48,439
Speaker 5: in nature and does not consider your individual circumstances. She's

693
00:35:48,520 --> 00:35:51,960
Speaker 5: on the money exists purely for educational purposes and should

694
00:35:52,000 --> 00:35:55,160
Speaker 5: not be relied upon to make an investment or financial decision.

695
00:35:55,560 --> 00:35:58,000
Speaker 5: If you do choose to buy a financial product, read

696
00:35:58,000 --> 00:36:01,360
Speaker 5: the PDS TMD and obtain a appropriate financial.

697
00:36:00,920 --> 00:36:02,720
Speaker 2: Advice tailored towards your needs.

698
00:36:03,080 --> 00:36:07,040
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

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00:36:07,040 --> 00:36:09,440
Speaker 5: of Money sherper P T y L t D A

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00:36:09,560 --> 00:36:12,439
Speaker 5: B N three two one six, four nine, two seven,

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00:36:12,560 --> 00:36:15,399
Speaker 5: seven zero eight a F s L four five one

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00:36:15,600 --> 00:36:18,520
Speaker 5: two eight nine