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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. Today, Friends is Friday,

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Speaker 2: which means it is time to sit back with George,

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Speaker 2: Jess and I with a drink in hand, perhaps to

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Speaker 2: unpack our favorite moments of the week, and of course,

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Speaker 2: to celebrate you the incredible She's on the Money community.

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Speaker 2: As always, we are going to be sharing our favorite

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Speaker 2: money wins. We are going to be discussing what's making

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Speaker 2: juicy news in the finance world, and we're going to

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Speaker 2: be helping answer a money question today, which this week

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Speaker 2: is all about insurances and potential exclusions. But before we

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Speaker 2: get there, it is time to recap the week that was.

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Speaker 2: Mister Sagarici talked to us about what happened on Monday's

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Speaker 2: Money Diary this week.

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Speaker 3: Monday's Money Diarist took us through a little bit of

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Speaker 3: a journey. She had very sadly lost her father a

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Speaker 3: few years ago and unfortunately found herself in the position

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Speaker 3: where his will wasn't up to date, and her family

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Speaker 3: dynamic had shifted a few times over the years through

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Speaker 3: separations and divorces and kids from different families, which is

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Speaker 3: really common.

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Speaker 4: There's so many.

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Speaker 3: Blended families out there nowadays. But something people maybe don't

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Speaker 3: think about is the need to update your will when

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Speaker 3: that situation arises. And unfortunately she found herself in the

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Speaker 3: position where her and her siblings and stepsiblings were kind

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Speaker 3: of disputing what was in the will because it wasn't

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Speaker 3: accurate at the time of his passing. It's just a

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Speaker 3: really hard situation to find yourself in when you're already

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Speaker 3: going through a traumatic experience. You're obviously devastated by the loss.

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Speaker 3: She said, it came as a surprise, which is really

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Speaker 3: hard in and of itself, and then on top of that,

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Speaker 3: you have arguments essentially with your family. They went through lawyers,

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Speaker 3: there were huge fees. It was just a really messy process.

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Speaker 3: So she explained to us a little bit about how

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Speaker 3: that went down, and it was a really really great

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Speaker 3: minder I think to make sure your will is in order.

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Speaker 3: We've done a whole episode. If you want to know

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Speaker 3: the how and the why, you might think you're too

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Speaker 3: young spoiler alert, you're probably not get that will sorted

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Speaker 3: because it's not just you, it's all the people that

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Speaker 3: you love as well that are impacted if it's.

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Speaker 2: Not yeah, and our money. Doris said something that I

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Speaker 2: found really powerful and that you don't do a will

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Speaker 2: for yourself. She said, you do a will for your family.

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Speaker 2: Like obviously there's quite I guess a self centeredness to

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Speaker 2: a will because it's my stuff that I'm allocating out,

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Speaker 2: so therefore it is very about me. But in reality,

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Speaker 2: if you pass away, it's actually about your family not

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Speaker 2: having to go through the admin of going through the

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Speaker 2: courts to do dispute will or even establish a claim.

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Speaker 2: And this money, darist it wasn't just like twelve months,

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Speaker 2: which we usually see that process taking. It was upwards

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Speaker 2: of three years, and that's a long time to be

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Speaker 2: going through a process while you're also grieving like that.

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Speaker 2: It's just not something I would want to put my

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Speaker 2: family through. So if you haven't thought about getting a will,

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Speaker 2: I definitely would recommend it, and I promise it will

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Speaker 2: give you a whole heap of peace of mind. Moving

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Speaker 2: on from talking about wills in estate planning, which I

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Speaker 2: could honestly talk about for ages like if you let me,

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Speaker 2: which in the office sometimes you guys do appreciate it.

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Speaker 2: But Georgia King, what happened on this week's Wednesday episode,

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Speaker 2: Hello Ladies.

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Speaker 4: This Wednesday, we spoke about the sharing economy and it

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Speaker 4: got philosophical, didn't it be?

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Speaker 3: It did?

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Speaker 2: It got a bit sappy, like we just took it

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Speaker 2: off road for a little bit. We did have to

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Speaker 2: get back on track, we did. I feel sorry for

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Speaker 2: our producer this week.

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Speaker 4: Yeah, look it was. It wasn't the easiest record, but hey,

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Speaker 4: it was super interesting. And for anyone who has no

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Speaker 4: idea what the sharing economy is.

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Speaker 2: That is okay because we did whole episode so you

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Speaker 2: can listen.

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Speaker 4: Right, But in some really quickly, it's basically the model

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Speaker 4: where individuals share goods and services that are facilitated by

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Speaker 4: some kind of platform or app. So really common examples

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Speaker 4: would be like Uber or Airbnb, and even like trading

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Speaker 4: a rental kind of platform, so like release it for example.

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Speaker 2: So yeah, it was really.

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Speaker 4: Interesting talking through kind of the pros and cons of

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Speaker 4: the sharing economy. The pros being that it's like really

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Speaker 4: good for the environment, but then the negatives things like gentrification.

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Speaker 4: What else will the negatives be?

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Speaker 2: Oh, there were so many listen to the episode. Honestly,

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Speaker 2: I feel like there were lots of negatives, but lots

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Speaker 2: of positives, and I feel like the sharing economy has

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Speaker 2: come so far like it used to be. I don't know,

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Speaker 2: a little bit hippie, a little bit left field. People

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Speaker 2: would be like, oh, that's a bit weird. Like, as

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Speaker 2: I said on the podcast George, when dress rentals became

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Speaker 2: a really big thing online, I think that they really

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Speaker 2: redefined what that looked like. Because you remember when dress

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Speaker 2: rentals used to just be the like Ferrari down the

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Speaker 2: street where you could get like some bridesmaids dresses or

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Speaker 2: rented tucks that probably smell like ciggies like that used

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Speaker 2: to be your dress rentols. And now you've got these

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Speaker 2: gorgeous companies like glam Corner that you just go wow,

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Speaker 2: like that that definitely is for me. But you know,

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Speaker 2: maybe the bridesmaid's dresses and the Sigi tucks are probably

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Speaker 2: not my vibe. You know.

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Speaker 3: It's also really funny to think about trying to explain

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Speaker 3: that concept to me as like a five year old

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Speaker 3: child or my parents, you know, in the really early nineties,

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Speaker 3: when the Internet was not what it is today. Imagine

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Speaker 3: saying to someone, hey, you're going to get on a telephone.

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Speaker 3: You're going to reach out to someone you've never met before,

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Speaker 3: and you're going to get in their car and they're

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Speaker 3: going to take you somewhere like.

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Speaker 2: Ye, and you're going to trust them and it's totally okay.

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Speaker 2: So what will happen is they'll just turn up at

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Speaker 2: your house. They've got your address. Yeah, it's all good.

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Speaker 2: Don't know where you're going.

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Speaker 3: Stranger chang alarm bells are going off like crazy. So

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Speaker 3: it's just wild to think about how far that has come,

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Speaker 3: I guess over the course of not even fifteen years.

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Speaker 2: And it's kind of crazy to think about where we're

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Speaker 2: going in the future as well when it comes to

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Speaker 2: the Internet, Like we're now talking about like the metaverse

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Speaker 2: and what the next version of the Internet looks like

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Speaker 2: for us, And like I was even googling guys over

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Speaker 2: the weekend, I read up on you know, the metaverse

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Speaker 2: and people buying metaverse properties, and I wanted to understand

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Speaker 2: that a little bit deeper because I was like, all right,

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Speaker 2: tell me the crux of this, because there are people

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Speaker 2: people in our community, guys who are buying properties or

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Speaker 2: blocks of land in the metaverse for their kids as investments,

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Speaker 2: and I just go, Nah, sure that doesn't exist. Surely no,

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Speaker 2: but like it kind of makes sense the more you

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Speaker 2: read into it and the more online our lives are,

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Speaker 2: and the more you go, all right, well, I guess

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Speaker 2: you know in two thousand and eight, how much of

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Speaker 2: your life existed on the internet, and it's kind of

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Speaker 2: like nothing. But now it's two and my entire business

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Speaker 2: is on the internet. Everything that we do is on

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Speaker 2: the internet. You guys are employed via the Internet. Like

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Speaker 2: it is crazy to think, how like essentral in our

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Speaker 2: lives this has become. So it makes sense that it

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Speaker 2: would become a bigger thing. So anyway, turns out you

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Speaker 2: can buy pent houses, and I reckon, we should buy

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Speaker 2: a metaverse. She's on the money, HQ. Well, just not

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Speaker 2: be sick.

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Speaker 4: I don't get it. Is this like you put on

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Speaker 4: goggles and then you're in.

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Speaker 2: Yeah, you could come to my house, but on the internet.

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Speaker 4: I hate you.

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Speaker 2: Wait you wait, I'm gonna buy my metaverse apartment. It's

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Speaker 2: going to be the pent house one and one day

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Speaker 2: when I sell it for five million dollars, you guys

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Speaker 2: are gonna wish you didn't laugh with me. No financial advice, Yeah,

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Speaker 2: not definitely not because I still don't fully comprehend anything

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Speaker 2: that's going on, nor do I even know how to

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Speaker 2: transact like I've just googled metaverse apartments. Thank you, thank you,

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Speaker 2: But let's move on before I sound like I'm pushing

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Speaker 2: crypto Georgia king. What have you got from the Facebook

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Speaker 2: community this week?

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Speaker 4: Some absolutely gorgeous wins as usual, girls, So let us

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Speaker 4: rip into it. Let me just pull it up. Okay,

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Speaker 4: So our first win for the week is from Ali

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Speaker 4: money Win. I was able to do the bulk of

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Speaker 4: my month's grocery shopping at Aldi for a total of

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Speaker 4: one hundred and forty dollars. One hundred and forty dollars

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Speaker 4: for a whole month. That's insane anyway. While she was there,

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Speaker 4: she scored collapsible dog steps for her sweet twelve year

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Speaker 4: old cheap who on sale for ten dollars two weeks ago.

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Speaker 4: That sweet cheep who pulled a muscle jumping onto the couch.

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Speaker 4: So she was on the lookout for steps like these,

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Speaker 4: and Aldi delivered, as they so often do. Have you

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Speaker 4: guys got steps for your little animals? Dog steps?

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Speaker 5: No?

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Speaker 2: I would. I have a friend who has a sausage

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Speaker 2: dog who has a ramp on their carrot less, so like,

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Speaker 2: that's very cute.

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Speaker 4: Can they jump in anyway?

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Speaker 5: Can they?

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Speaker 3: Like?

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Speaker 2: I think they can, but they shouldn't because it's bad

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Speaker 2: for their little backs. So he's got his name's Frankie,

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Speaker 2: and he like trots Uppy's little ramp and onto the

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Speaker 2: couch and places himself, And then when he wants to

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Speaker 2: get off the couch, he like walks down to the

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Speaker 2: ramp and goes down. He's like, I'm ready, I'm tough,

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Speaker 2: frank you. The same house has baby gates across the

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Speaker 2: stairs because Frankie is not allowed to go down the

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Speaker 2: stairs on.

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Speaker 4: He's own so much to think about when it comes

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Speaker 4: to the strokes. The next one here is from Alex So.

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Speaker 4: She wrote money when I negotiated my salary as I

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Speaker 4: was being headhunted, but I didn't want to leave my employer.

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Speaker 4: My first pay at my new higher rate hit my

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Speaker 4: account today, and I'm taking home an additional one thousand

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Speaker 4: dollars a month, so I'll have my car paid off

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Speaker 4: in eighteen months instead of almost three years.

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Speaker 2: My god, that's literally cutting it in half. How good.

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Speaker 4: We love headhunters. Thank you, well done, Alex.

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Speaker 2: No, that's not what we like Georgia. You miss the point.

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Speaker 2: We love negotia ourselves, not a head hump kids. We

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Speaker 2: love negotiating and knowing our works exactly.

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Speaker 4: Well done, Vee, you wrapped it up. That's what you said,

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Speaker 4: That's what you said. What I said, Okay. Next one

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Speaker 4: is from Kiana. She bit the bullet and paid off

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Speaker 4: her Zip pay in one go was nine hundred dollars

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Speaker 4: and she's her account. I've always had money owing on

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Speaker 4: zip page, she wrote, since twenty seventeen, so I'm pretty

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Speaker 4: damn proud of myself.

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Speaker 2: Oh my god, should be Yeah, you would feel like

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Speaker 2: a massive weight had lifted off your shoulders. I just

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Speaker 2: feel like people don't realize the emotional toll of carrying debt,

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Speaker 2: Like it can be heavy and you might not feel it.

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Speaker 2: You might be like it doesn't make sense. But I

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Speaker 2: promise the second you paid all off, you're like, oh,

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Speaker 2: I didn't even realize I was carrying that way. It's

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Speaker 2: so good.

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Speaker 4: Could not agree more. V. The next win comes from Amber.

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Speaker 4: This is a long one to strap yourselves in. I'm

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Speaker 4: a big sewer who likes to use good quality fabric.

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Speaker 4: Last week I went to a local lop shop to

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Speaker 4: donate a couple of boxes of old stuff, and while

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Speaker 4: I was there, I noticed there were a few bolts

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Speaker 4: of what looked like cotton fabric. I asked the worker

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Speaker 4: if they were donations, hoping to find out roughly when

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Speaker 4: they would be on the floor. They said yes and

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Speaker 4: asked if I was interested. So when I said yes,

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Speaker 4: they offered me a whole bolt for free. Now, a bolt,

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Speaker 4: I think is like the it's like a ream of material.

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Speaker 4: Do you guys know what it is. I'm not a sewer.

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Speaker 2: It's like the big.

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Speaker 3: Card board thing that it's Yeah, I'm pretty sure.

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Speaker 2: Oh, okay, that's a lot like that's that's like not

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Speaker 2: going and getting a clipping. It's like the whole damn thing.

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Speaker 4: It's the whole damn thing. She said, there's fifteen meters

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Speaker 4: on this bolt, and she's estimated that would be thirty

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Speaker 4: dollars a meter. So she got four fifty dollars worth

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Speaker 4: of fabric completely free.

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Speaker 2: Wow, the best bit.

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Speaker 4: I'm starting up a business sewing bits and pieces, and

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Speaker 4: this fabric will be perfect for it.

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Speaker 2: Blessed Oh I love that.

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Speaker 4: The next win is from Moira. I had to service

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Speaker 4: my car and change the back breaks and discs I

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Speaker 4: had the money saved all throughout the year and didn't

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Speaker 4: have to for into my savings. And the final win

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Speaker 4: for today Ladies is from Lakeisha. My brother moved into state,

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Speaker 4: so I bought his fairly new sixty five inch TV

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Speaker 4: off him for four hundred and fifty dollars. Seems pricey,

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Speaker 4: but that's okay. And he gave me his air fryer

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Speaker 4: for free. Hashtag winner.

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Speaker 2: That's a money win.

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Speaker 3: You're gonna love it. I'm just gonna say you're gonna love.

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Speaker 2: It air fryers. Do you know what else you love?

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Speaker 4: Jess?

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Speaker 2: Air wraps if it starts with air juice is probably

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Speaker 2: all over it really niche taste. It's niche taste. But

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Speaker 2: you know what, Actually, I'm going to share my sister's

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Speaker 2: money win. Alexandra de Vine her money when this week

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Speaker 2: or this month was actually stealing her sister Victoria's air wraps,

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Speaker 2: so that was good for her.

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Speaker 4: Is that why you have that roller in your hair

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Speaker 4: and look like Elvis Nite?

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Speaker 2: Yeah? I've been trying to deal without it.

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Speaker 3: All right.

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Speaker 2: We are back with arguably the most exciting and juicy

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Speaker 2: segment we have ever done, and that's mainly because I

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Speaker 2: watched it on TV the other day, and I am

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Speaker 2: now in absolute shock, Georgia King that Jessica hasn't seen it.

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Speaker 2: Like it's the only thing on TikTok, It's the only

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Speaker 2: thing on Instagram at the moment. I cannot believe, jess

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Speaker 2: you haven't watched this yet, George. We're talking about the

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Speaker 2: Tinder Swindler.

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Speaker 4: The Tinder Swindler.

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Speaker 2: Oh, the juiciest of stories, George. For those of you

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Speaker 2: who haven't watched, who obviously live under a rock, what

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Speaker 2: are we missing?

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Speaker 4: Okay? So essentially it's an old fashioned catfishing story. However,

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Speaker 4: the twist is that this man his name is, or

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Speaker 4: at least he claims it is, Simon Levyev Is that right? V?

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Speaker 2: Have I got that right?

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Speaker 4: Simon? I think it was something like or something like that, anyway,

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Speaker 4: so let's not look into it too now.

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Speaker 2: I think his name was Simon or something like. I

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Speaker 2: think that was his real.

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Speaker 4: Name, him On Hays. I think anyway, he basically conned

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Speaker 4: three stunning and smart women into transferring him hundreds of

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Speaker 4: thousands of dollars in the end. Sorry spoilers alert, we

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Speaker 4: should have said that maybe a little earlier. Spoiler of it, yeah, massive,

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Speaker 4: right alert. So basically he swindles them out of all

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Speaker 4: of this money. He meets them on Tinder, hence the

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Speaker 4: Tinder swindler name. But it was really interesting to see

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Speaker 4: how he convinced these women that he was he was.

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Speaker 4: He basically convinced them that he was a diamond Magnet's son,

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Speaker 4: made them all believe he was really rich and had

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Speaker 4: these really scary enemies who wanted to kill him. So

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Speaker 4: he then asked them to transfer money.

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Speaker 2: Rah rah rah.

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Speaker 4: Does anyone want to see it?

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Speaker 5: Now?

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Speaker 4: I feel like I've ruined it.

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Speaker 2: Oh my gosh, you've ruined it. But it's wild to

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Speaker 2: think that people believe this stuff. Yes, like, oh, the

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Speaker 2: amount of red flags that were flying for me. And

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Speaker 2: this is probably very well timed given it is or

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Speaker 2: has been the week of Valentine's Day. Valentine's Day was

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Speaker 2: on Monday, and the Tinder do You Reckon? They timed

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Speaker 2: that do you Reckon? They're trying to talk about it

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Speaker 2: during Valentine's Day.

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Speaker 4: It makes sense I should have launched it on Valentine's Day.

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Speaker 4: That was a missed opportunity. That's still talking about it.

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Speaker 2: But it is wild and I feel like there are

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Speaker 2: so many lessons we can learn from it about dating,

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Speaker 2: but also about money and fraud. And is it okay

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Speaker 2: if people ask you to take out personal loans in

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Speaker 2: your name? Jess? Is it all right? I'm going to

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Speaker 2: haven't watched the show.

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Speaker 3: I haven't, but going off my intuition, I'm going to

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Speaker 3: say no.

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Speaker 2: No, it's not so. I think that we did learn

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Speaker 2: a few really important lessons from the Tinder swindler. And

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Speaker 2: you know, as somebody who met their partner on Tinder

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Speaker 2: and I watched this with Steve, I was like, oh, guys,

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Speaker 2: this is pretty wild, like the idea that this guy

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Speaker 2: swindled women out of money and obviously was doing that

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Speaker 2: to a greater extent. We only know about these three

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Speaker 2: women because they've come forward and wanted to be in

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Speaker 2: a documentary Like that was me. I'm not gonna lie

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Speaker 2: even if you've swindled me out of hundreds of thousands

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Speaker 2: of dollars. I don't know if I would want to

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Speaker 2: go on a documentary to talk about it, like I

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Speaker 2: just I'd feel too uncomfortable.

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Speaker 3: I feel like it really goes back to what we

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Speaker 3: were talking about earlier in the show around the internet

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Speaker 3: and how we interact with things evolving. Because again, once

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Speaker 3: upon a time, I think it was a little bit

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Speaker 3: easier to spot. You know, Nigerian prince has emailed your

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Speaker 3: grandma saying he wants to marry her if she will

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Speaker 3: just send him some money. It's a pretty glaringly obvious scam,

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Speaker 3: whereas nowadays, people like old Mate Simon are preying on

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Speaker 3: vulnerable women and I'm sure men as well, getting in

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Speaker 3: on their insecurities and having a little bit of insight

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Speaker 3: into them as a person already, because your dating profile

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Speaker 3: is like a prepackaged show real really, isn't it?

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Speaker 2: Like here I am, this is.

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Speaker 3: What I like. They kind of have all of the

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Speaker 3: information they need to begin to establish that kind of relationship.

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Speaker 3: I feel like it's a bit of an easy in

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Speaker 3: for some nefarious activities.

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Speaker 2: I feel like, for me, there are a whole heap

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Speaker 2: of like souper red flags in the show. Right, So

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Speaker 2: it wasn't just that he asked for money, but there

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Speaker 2: were these like super narcissistic traits like this person love

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Speaker 2: bombed them really early, which is where they say I

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Speaker 2: love you really early and like shower you with gifts

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Speaker 2: and stuff too early, Because it's like, you don't know

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Speaker 2: this person from a bar of soap, and like, obviously

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Speaker 2: the biggest red flag is that he was asking for

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Speaker 2: money for something that was a little bit left field.

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Speaker 2: But I can also somewhat sympathize with the women because

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Speaker 2: unlike catfishing, like they met the person, like they could

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Speaker 2: see him, they could touch him, They could, you know,

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Speaker 2: see the wealth around him. I mean, he wore a

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Speaker 2: Rolex and he drove fancy cars, and most of the

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Speaker 2: women would meet him in luxury hotels as their first date.

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Speaker 2: And the first woman that we were introduced to in

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Speaker 2: the Tinder Swindler, she met him for coffee and then

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Speaker 2: he invited her overseas on his private jet, like I

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Speaker 2: would believe that he was wealthy as well, Like I

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Speaker 2: wouldn't go, oh, this is all scam, because you don't

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Speaker 2: just have a private jet on standby to woo women,

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Speaker 2: do you.

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Speaker 3: It sounds a lot like I don't know, and I

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Speaker 3: think is another one that's on Netflix. But I followed

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Speaker 3: the story when it was in the news a few

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Speaker 3: years ago. Ammadelvi, have you guys read about that? Yes, yeah,

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Speaker 3: so anyone who hasn't. I think it's impersonating Anna is

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Speaker 3: the documentary that's coming.

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Speaker 2: Out is a really really interesting story.

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Speaker 3: I haven't watched that one either, but I followed along,

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Speaker 3: like I said, the news a while back, and the

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Speaker 3: crux of it was that she also manipulated people into

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Speaker 3: paying for massive, massive, massive debts of hers at hotels

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Speaker 3: and restaurants, and she infiltrated the New York Upper east

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Speaker 3: Side lifestyle with no money, and she just left a

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Speaker 3: trail of debt behind her and people who were stuck

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Speaker 3: in these holes that they had to get themselves out of.

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Speaker 3: But it seems to be is that a bit of

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Speaker 3: a red flag? But because she did something very similar?

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Speaker 2: When is she a red flag?

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Speaker 3: She did something really similar where she would spend, you know,

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Speaker 3: pick up the bill, they go to a really extensive

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Speaker 3: dinner and she'd be like no, no, no, like I've got it,

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00:19:07,600 --> 00:19:10,360
Speaker 3: or she'd be like, oh, come overseas with me. I'll

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Speaker 3: pay for the hotel. She dropped a lot of money,

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Speaker 3: which sounds very similar to what this guy did to

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Speaker 3: kind of establish early on that she was rich. And

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Speaker 3: then of course her friends who were also rich, like

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Speaker 3: oh well, I'll get the next one, and I mean

399
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Speaker 3: nice lifestyle. Can't say I'm shouting any of my friend's

400
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Speaker 3: trips overseas, but it kind of puts you in that

401
00:19:30,119 --> 00:19:32,640
Speaker 3: mind frame of oh, like this is how they live.

402
00:19:32,800 --> 00:19:35,320
Speaker 3: And then when someone like Simon comes along and goes,

403
00:19:35,359 --> 00:19:38,360
Speaker 3: oh I need help, they go, oh, my goodness, Like

404
00:19:38,520 --> 00:19:41,399
Speaker 3: he has his own money, so it must be really bad.

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Speaker 2: Yeah. I am very confused about it, not because I

406
00:19:45,000 --> 00:19:47,600
Speaker 2: don't understand the scam, which I can, as you were

407
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Speaker 2: talking about jess Anna, she pretended to be a wealthy

408
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Speaker 2: German Hairess, right, Yeah, Like how do you just wake

409
00:19:54,480 --> 00:19:58,280
Speaker 2: up and decide to be that person? Like from my understanding,

410
00:19:58,440 --> 00:20:00,760
Speaker 2: that would take a lot of money to begin with,

411
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Speaker 2: Like how did they initially get that cash? I feel

412
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Speaker 2: like there's so much for me missing for the story.

413
00:20:06,359 --> 00:20:08,840
Speaker 2: And the one thing that for me was missing from

414
00:20:09,080 --> 00:20:12,560
Speaker 2: the Tinder Swindler was how did he start? Like he

415
00:20:12,640 --> 00:20:16,000
Speaker 2: didn't grow up wealthy, so how did he then acquire

416
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Speaker 2: all of these really expensive things and manage to get

417
00:20:19,920 --> 00:20:22,520
Speaker 2: this high up? Like how do you pretend to be

418
00:20:22,680 --> 00:20:26,240
Speaker 2: the son of a diamond magnet? Like how does that happen?

419
00:20:26,840 --> 00:20:28,920
Speaker 2: Where are the stepping stones? Not because I want to

420
00:20:28,960 --> 00:20:31,800
Speaker 2: copy them, but because genuinely I can't comprehend that, Like,

421
00:20:32,040 --> 00:20:34,240
Speaker 2: what if I decided tomorrow to just wake up and

422
00:20:34,600 --> 00:20:36,880
Speaker 2: I would like to be an heiress, that would be good.

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Speaker 2: How do you do that?

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Speaker 4: I think you have to be a psychopath? Yeah, because

425
00:20:41,960 --> 00:20:45,359
Speaker 4: didn't he he like there was something in high school

426
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Speaker 4: that he'd committed fraud or something like that. Like, is

427
00:20:48,000 --> 00:20:51,080
Speaker 4: it a bad egg? If that's not already obvious? So

428
00:20:51,160 --> 00:20:53,320
Speaker 4: I feel like this kind of behavior is surely just

429
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Speaker 4: ingrained in who you are as a person.

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Speaker 2: That's a narcissis Yeah, they absolutely would be. But it

431
00:21:00,760 --> 00:21:04,639
Speaker 2: just it's crazy how these things start. Like we spoke

432
00:21:04,680 --> 00:21:07,440
Speaker 2: a couple of weeks ago, I think, just before Christmas

433
00:21:07,520 --> 00:21:11,000
Speaker 2: about Elizabeth Holmes and how that worked and what was

434
00:21:11,040 --> 00:21:14,320
Speaker 2: going on there, And I just I can't believe that

435
00:21:14,359 --> 00:21:19,080
Speaker 2: these people can climb so high with nobody questioning.

436
00:21:18,640 --> 00:21:22,040
Speaker 4: Them, like what and no fear, Like how how do

437
00:21:22,119 --> 00:21:24,439
Speaker 4: you keep on doing that and just keep on ruining

438
00:21:24,480 --> 00:21:26,840
Speaker 4: people's lives and then pushing on to the next person.

439
00:21:26,880 --> 00:21:29,119
Speaker 2: It's so horrible and terrible.

440
00:21:29,240 --> 00:21:32,080
Speaker 4: Sure you're scared, but they it must just be a

441
00:21:32,160 --> 00:21:35,440
Speaker 4: symptom of psychopathy. That's George's diagnosed.

442
00:21:36,440 --> 00:21:38,480
Speaker 3: Sounds a bit like a human Ponzi scheme. If you

443
00:21:38,520 --> 00:21:42,280
Speaker 3: ask al, I just go from the next to the next.

444
00:21:42,400 --> 00:21:44,720
Speaker 3: That's how you keep it up. But I guess to

445
00:21:44,800 --> 00:21:47,520
Speaker 3: bring it right back around to finance the what kind

446
00:21:47,560 --> 00:21:49,639
Speaker 3: of steps or what kind of things should we be

447
00:21:49,680 --> 00:21:51,880
Speaker 3: looking out for if we are in the dating game,

448
00:21:51,920 --> 00:21:54,480
Speaker 3: if we're getting on Tinder having a little swipe, what

449
00:21:54,520 --> 00:21:57,239
Speaker 3: can women do to protect themselves to make sure they

450
00:21:57,240 --> 00:21:59,000
Speaker 3: don't find themselves in a similar position.

451
00:22:00,000 --> 00:22:02,720
Speaker 2: Even Valentine's Days this week, I think lots of people

452
00:22:02,720 --> 00:22:05,960
Speaker 2: are thinking about dating. And the one thing that is

453
00:22:06,080 --> 00:22:09,640
Speaker 2: really easy to dismiss that the start is red flags. Right,

454
00:22:09,680 --> 00:22:11,600
Speaker 2: And I've said this before, but red flags are going

455
00:22:11,680 --> 00:22:13,959
Speaker 2: to be different for everybody, right, Like Jess, you might

456
00:22:14,000 --> 00:22:16,520
Speaker 2: be like, he breathed funny, so I ended the date

457
00:22:16,600 --> 00:22:18,480
Speaker 2: and I went home early, and I'll be like, oh,

458
00:22:18,480 --> 00:22:20,480
Speaker 2: I really liked the way he breathed on me. Like,

459
00:22:21,040 --> 00:22:24,239
Speaker 2: everybody has their different things, and to me, that's not

460
00:22:24,320 --> 00:22:26,840
Speaker 2: necessarily a red flag. That's a personal one for you.

461
00:22:27,440 --> 00:22:29,919
Speaker 2: But I think that there's a few big ones that

462
00:22:29,960 --> 00:22:32,680
Speaker 2: we need to be aware of, especially if you're single

463
00:22:32,800 --> 00:22:35,840
Speaker 2: and going on dates. Asking for money is probably a

464
00:22:35,880 --> 00:22:38,119
Speaker 2: really big red flag. If you're not in a relationship

465
00:22:38,119 --> 00:22:40,840
Speaker 2: with that person. But then to further that, for me,

466
00:22:40,960 --> 00:22:43,120
Speaker 2: it's a really big red flag even if you are,

467
00:22:43,520 --> 00:22:46,000
Speaker 2: because it means that they aren't able to manage their

468
00:22:46,040 --> 00:22:48,480
Speaker 2: own money. And we've seen in our shees on the

469
00:22:48,480 --> 00:22:51,520
Speaker 2: Money community, we have done money diaries on people who

470
00:22:51,520 --> 00:22:54,120
Speaker 2: have been in financially abusive relationships where one of our

471
00:22:54,160 --> 00:22:57,800
Speaker 2: diarists they racked up massive amounts of personal debt because

472
00:22:57,800 --> 00:23:00,680
Speaker 2: their partner made them take out loans, made them take

473
00:23:00,680 --> 00:23:03,520
Speaker 2: out a car loan because they couldn't afford it or

474
00:23:03,560 --> 00:23:05,760
Speaker 2: weren't fully employed, and they promised to pay back, and

475
00:23:05,760 --> 00:23:07,480
Speaker 2: then they broke up with them, but the car's in

476
00:23:07,560 --> 00:23:09,920
Speaker 2: that guy's name and she now has the debt. It's

477
00:23:10,000 --> 00:23:13,680
Speaker 2: absolutely crazy. So anything to do with money in relationships,

478
00:23:13,720 --> 00:23:16,760
Speaker 2: I am really weary. And that's why it's also so

479
00:23:16,920 --> 00:23:19,520
Speaker 2: important for you to be financially secure on your own

480
00:23:19,600 --> 00:23:21,560
Speaker 2: because I'm not saying that. You know, if Steve's like,

481
00:23:21,640 --> 00:23:24,320
Speaker 2: hey babe, I really need to borrow a hundred bucks

482
00:23:24,359 --> 00:23:26,399
Speaker 2: to get to pay day, like, of course I will

483
00:23:26,600 --> 00:23:29,520
Speaker 2: carry that. And that's a different conversation than can you

484
00:23:29,560 --> 00:23:31,600
Speaker 2: please take on a car loan for me? Because I've

485
00:23:31,640 --> 00:23:34,640
Speaker 2: got really bad credit, Like, oh, I don't care how

486
00:23:34,680 --> 00:23:37,840
Speaker 2: in love with somebody you are, Like a car Loan

487
00:23:37,960 --> 00:23:40,080
Speaker 2: is a definite no from me if it's not in

488
00:23:40,119 --> 00:23:43,480
Speaker 2: their own name, like that's their responsibility. And I get that.

489
00:23:43,480 --> 00:23:45,760
Speaker 2: There probably is a lot of nuance to this because

490
00:23:45,920 --> 00:23:49,879
Speaker 2: somebody listening might be like, I'm sorry, Victoria, Like I

491
00:23:49,920 --> 00:23:52,119
Speaker 2: got my partner's car Loan and it was fine. I

492
00:23:52,160 --> 00:23:54,560
Speaker 2: trust him. I get that, but we need to just

493
00:23:54,600 --> 00:23:59,159
Speaker 2: be extra weary. The second thing was where he was

494
00:23:59,240 --> 00:24:02,439
Speaker 2: just like loving on them so hard, like I said before,

495
00:24:02,560 --> 00:24:05,919
Speaker 2: love bombing, And it's where they like become obsessed with

496
00:24:05,960 --> 00:24:09,000
Speaker 2: you really quickly and buy your fancy presence or they

497
00:24:09,040 --> 00:24:12,520
Speaker 2: say love too quickly or do you know what I mean?

498
00:24:12,880 --> 00:24:15,080
Speaker 2: Because they're doing one of two things here. They're either

499
00:24:15,119 --> 00:24:18,200
Speaker 2: scamming you or they're obsessive. And that's kind of weird

500
00:24:18,240 --> 00:24:19,880
Speaker 2: to begin with, Like we've got to be a little

501
00:24:19,920 --> 00:24:22,320
Speaker 2: bit more reserved because if you've just met some random

502
00:24:22,359 --> 00:24:24,840
Speaker 2: on Tinder, how were you in love with them after

503
00:24:24,880 --> 00:24:28,399
Speaker 2: twenty four hours? Like how does that happen? And I

504
00:24:28,440 --> 00:24:29,800
Speaker 2: know a lot of people are going to listen and

505
00:24:29,840 --> 00:24:33,320
Speaker 2: be like but I knew, I get it. Same when

506
00:24:33,320 --> 00:24:36,960
Speaker 2: I met Steve, same, but it did take a few

507
00:24:37,000 --> 00:24:39,719
Speaker 2: months to settle it in and become comfortable with one another,

508
00:24:39,840 --> 00:24:42,600
Speaker 2: and you know, understand their love languages and who they

509
00:24:42,600 --> 00:24:44,840
Speaker 2: are as a person and just going on a date

510
00:24:44,880 --> 00:24:47,479
Speaker 2: and understanding their career and what they're up to. Like

511
00:24:47,560 --> 00:24:50,280
Speaker 2: that is not love, that's infatuation. And we need to

512
00:24:50,359 --> 00:24:53,760
Speaker 2: understand the difference between those things. Because was I in

513
00:24:53,800 --> 00:24:56,760
Speaker 2: love with Steve on our first date. Absolutely not, But

514
00:24:56,800 --> 00:24:58,080
Speaker 2: I was bloody infatuated.

515
00:24:58,080 --> 00:25:02,439
Speaker 4: And that's okay, I've found the whole Like when he

516
00:25:02,560 --> 00:25:05,520
Speaker 4: was like sending them voice memos and facetiming them all

517
00:25:05,600 --> 00:25:08,800
Speaker 4: the time, like it was to outsiders, it was super creepy.

518
00:25:09,200 --> 00:25:11,399
Speaker 4: But when you're swept up in that, it was essentially

519
00:25:11,440 --> 00:25:14,159
Speaker 4: like these little quasi relationships, So you would just be

520
00:25:14,240 --> 00:25:17,800
Speaker 4: completely swept up in it. And especially who does a

521
00:25:17,800 --> 00:25:20,320
Speaker 4: lot of billionaire you know what.

522
00:25:20,320 --> 00:25:23,000
Speaker 2: A line I mean, I probably could easily get swept up.

523
00:25:23,119 --> 00:25:25,680
Speaker 2: Like if you was my type, I definitely be like, okay,

524
00:25:26,000 --> 00:25:28,280
Speaker 2: Like would I have said no to getting on a

525
00:25:28,320 --> 00:25:32,280
Speaker 2: private jet with Steve after twenty four hours? No, I

526
00:25:32,280 --> 00:25:34,280
Speaker 2: would have on the jet. I would have gone on

527
00:25:34,280 --> 00:25:37,000
Speaker 2: the jet, Like it would have happened, But I think

528
00:25:37,040 --> 00:25:40,200
Speaker 2: that we need to be really cautious of who we're

529
00:25:40,240 --> 00:25:43,280
Speaker 2: meeting online. And I think that, you know, in twenty

530
00:25:43,320 --> 00:25:46,440
Speaker 2: twenty two, it's becoming so much more prevalent that, yes,

531
00:25:46,560 --> 00:25:50,560
Speaker 2: social media is our online highlights real, but it's also

532
00:25:50,680 --> 00:25:53,280
Speaker 2: a way that we could create a persona or change

533
00:25:53,320 --> 00:25:57,000
Speaker 2: who we want to be into somebody else. And I've

534
00:25:57,040 --> 00:25:59,840
Speaker 2: been getting really swept up recently on TikTok and in

535
00:26:00,000 --> 00:26:02,919
Speaker 2: Instagram looking at other people's profiles and being like, oh,

536
00:26:03,000 --> 00:26:05,040
Speaker 2: I wish I was more like them, Like they highlight

537
00:26:05,119 --> 00:26:08,840
Speaker 2: reels are really gorgeous, or they create beautiful content. Oh

538
00:26:09,240 --> 00:26:12,200
Speaker 2: they're that girl, and there's this idea of becoming that

539
00:26:12,320 --> 00:26:14,760
Speaker 2: girl on TikTok at the moment, and it's just like

540
00:26:15,320 --> 00:26:18,600
Speaker 2: they're not. They're just good at content creating. And this

541
00:26:18,640 --> 00:26:21,480
Speaker 2: guy was clearly good at it as well, in terms

542
00:26:21,520 --> 00:26:25,000
Speaker 2: of creating content that made you believe this face and

543
00:26:25,640 --> 00:26:27,640
Speaker 2: you didn't ever feel like you needed to fact check

544
00:26:27,680 --> 00:26:30,560
Speaker 2: this guy. None of the people dating him googled him

545
00:26:30,640 --> 00:26:33,680
Speaker 2: at the start of their relationships and tried to research him.

546
00:26:33,840 --> 00:26:36,159
Speaker 2: And I don't think you should have to do that,

547
00:26:36,240 --> 00:26:38,119
Speaker 2: but I think we do need to be super wary

548
00:26:38,160 --> 00:26:41,719
Speaker 2: of not all that glitters is gold, especially when social

549
00:26:41,760 --> 00:26:46,040
Speaker 2: media and building a perception is associated with that. Right,

550
00:26:46,680 --> 00:26:47,600
Speaker 2: my creepy trick.

551
00:26:48,119 --> 00:26:50,919
Speaker 3: And I obviously haven't dated for many, many years. But

552
00:26:51,080 --> 00:26:56,040
Speaker 3: even if I just meant god, LinkedIn, get on LinkedIn.

553
00:26:56,320 --> 00:26:59,359
Speaker 3: They if they tell you that they work somewhere, because not,

554
00:26:59,560 --> 00:27:00,560
Speaker 3: again you can.

555
00:27:00,440 --> 00:27:02,359
Speaker 2: Oh, that's way less creepy than mine.

556
00:27:02,480 --> 00:27:03,639
Speaker 3: What were you gonna say?

557
00:27:03,960 --> 00:27:06,040
Speaker 2: Oh, I was going to say, you screenshot their Tinder

558
00:27:06,080 --> 00:27:09,040
Speaker 2: profile and the reverse Google image search to make sure

559
00:27:09,080 --> 00:27:11,480
Speaker 2: that it's not a catfish profile.

560
00:27:11,840 --> 00:27:14,919
Speaker 3: That is actually so much smarter. But yet do your

561
00:27:14,960 --> 00:27:18,320
Speaker 3: fact checking one hundred percent. Also, I would add into

562
00:27:18,359 --> 00:27:21,119
Speaker 3: this if you are in those early stages and maybe

563
00:27:21,160 --> 00:27:24,200
Speaker 3: you're spending a lot of time together, or maybe you're

564
00:27:24,359 --> 00:27:26,679
Speaker 3: you know, spending a few days a week living together

565
00:27:26,800 --> 00:27:29,200
Speaker 3: or whatever that might look like, just be really cautious

566
00:27:29,240 --> 00:27:32,000
Speaker 3: around protecting your personal information as well. I know that

567
00:27:32,040 --> 00:27:33,360
Speaker 3: we can all be really.

568
00:27:33,480 --> 00:27:36,320
Speaker 2: Trusting, right, Yeah, trusting is a really good word.

569
00:27:36,400 --> 00:27:38,840
Speaker 3: And you know you'll give someone your phone password so

570
00:27:38,880 --> 00:27:40,840
Speaker 3: they can open it and make a call or take

571
00:27:40,920 --> 00:27:42,919
Speaker 3: you know, use your camera or whatever. I know that

572
00:27:42,920 --> 00:27:44,440
Speaker 3: we're all good people, and we just want to see

573
00:27:44,440 --> 00:27:46,720
Speaker 3: the best in other people. But I would encourage you

574
00:27:46,800 --> 00:27:50,760
Speaker 3: to have an element of not paranoia, but just a

575
00:27:50,800 --> 00:27:54,359
Speaker 3: little element of reservation with giving that information away. And

576
00:27:54,600 --> 00:27:57,119
Speaker 3: you know it sounds really silly, We're all guilty of it.

577
00:27:57,200 --> 00:27:59,960
Speaker 3: Make sure you use different passwords for different platforms. Don't

578
00:28:00,080 --> 00:28:02,480
Speaker 3: have your phone kin and your bank pin be the same.

579
00:28:02,960 --> 00:28:07,200
Speaker 3: Just little tiny things that can protect your financial wellness

580
00:28:07,280 --> 00:28:11,320
Speaker 3: overall in the worst case scenario that you find yourself

581
00:28:11,320 --> 00:28:14,720
Speaker 3: in a situation where someone is maybe not approaching you

582
00:28:14,760 --> 00:28:16,040
Speaker 3: with the best of intentions.

583
00:28:16,520 --> 00:28:19,680
Speaker 2: Yeah, and I think that self preservation is a really

584
00:28:19,680 --> 00:28:22,040
Speaker 2: big part of dating as well. Like I feel like

585
00:28:22,080 --> 00:28:24,919
Speaker 2: there are so many strong, independent single women in our

586
00:28:24,960 --> 00:28:27,280
Speaker 2: community at the moment, and I speak to them every

587
00:28:27,359 --> 00:28:30,399
Speaker 2: single day and I adore them. But something that I

588
00:28:30,480 --> 00:28:32,320
Speaker 2: do notice, and do you know what this happened when

589
00:28:32,320 --> 00:28:36,080
Speaker 2: I was dating as well, was you start to prioritize

590
00:28:36,119 --> 00:28:40,040
Speaker 2: the relationship over your individual time. Like instead of going

591
00:28:40,080 --> 00:28:41,840
Speaker 2: to plarties with your friend on the weekend and going

592
00:28:41,840 --> 00:28:43,680
Speaker 2: out for brunch and you know, being quite social, that

593
00:28:43,800 --> 00:28:47,360
Speaker 2: becomes quite I guess sheltered. And I think being really

594
00:28:47,360 --> 00:28:50,200
Speaker 2: aware of the friends and family that are surrounding you,

595
00:28:50,240 --> 00:28:53,720
Speaker 2: and if you're becoming really tunnel visioned in your priorities,

596
00:28:54,040 --> 00:28:56,320
Speaker 2: maybe you need to have a think about why that

597
00:28:56,360 --> 00:28:59,320
Speaker 2: would be. Because if you're putting your friends and your

598
00:28:59,360 --> 00:29:02,040
Speaker 2: family on the back burner for someone you've just met,

599
00:29:02,480 --> 00:29:04,880
Speaker 2: is that actually a good idea? Is that actually what

600
00:29:04,960 --> 00:29:07,040
Speaker 2: life is about? I think there's a lot of conversation

601
00:29:07,160 --> 00:29:09,440
Speaker 2: to be had around this, but I guess that for us,

602
00:29:09,520 --> 00:29:12,760
Speaker 2: it's about that financial piece and being independent on your

603
00:29:12,800 --> 00:29:15,560
Speaker 2: own and having an emergency fund and making sure that

604
00:29:15,560 --> 00:29:17,720
Speaker 2: if somebody asks you to take a loan out on

605
00:29:17,760 --> 00:29:20,680
Speaker 2: their behalf, we're not engaging in that. In fact, if

606
00:29:20,680 --> 00:29:23,840
Speaker 2: somebody asks that question, I think the best way to

607
00:29:23,880 --> 00:29:28,280
Speaker 2: actually help is like, hey, okay, no problems. Why how

608
00:29:28,560 --> 00:29:30,640
Speaker 2: how do we get you out of this position? If

609
00:29:30,640 --> 00:29:34,000
Speaker 2: they can't get alone, no problems, Let's find a way

610
00:29:34,000 --> 00:29:36,160
Speaker 2: to get you out of that sticky situation. Do they

611
00:29:36,200 --> 00:29:38,560
Speaker 2: owe money to somebody? Do they owe money on a

612
00:29:38,600 --> 00:29:41,560
Speaker 2: credit card or a personal loan? Like you guys know,

613
00:29:41,760 --> 00:29:44,600
Speaker 2: I am obsessed with our friends at the National Debt Hotline,

614
00:29:44,720 --> 00:29:47,200
Speaker 2: Like call them, have a chat to them, even if

615
00:29:47,240 --> 00:29:49,080
Speaker 2: you're just not sure you want to run it by

616
00:29:49,120 --> 00:29:51,600
Speaker 2: somebody like pick up the phone, talk to a financial

617
00:29:51,640 --> 00:29:53,920
Speaker 2: counselor and be like, hey, is this weird? Like I

618
00:29:53,920 --> 00:29:56,280
Speaker 2: don't want to ask my friends about it, but I'm

619
00:29:56,320 --> 00:29:59,320
Speaker 2: in dating this guy and you know, he has a

620
00:29:59,320 --> 00:30:01,600
Speaker 2: car loan and he can't pay it because he's not

621
00:30:01,640 --> 00:30:03,800
Speaker 2: employed at the moment. Like, and he's asked me if

622
00:30:03,840 --> 00:30:05,720
Speaker 2: I can take a personal loan to pay it. Should

623
00:30:05,760 --> 00:30:08,200
Speaker 2: I be doing that? In some situations? I feel like

624
00:30:08,240 --> 00:30:10,640
Speaker 2: making that call is going to save you a whole

625
00:30:10,680 --> 00:30:12,000
Speaker 2: lot of headaches down the track.

626
00:30:12,160 --> 00:30:14,440
Speaker 3: Yeah, really great points. Okay, I'm going to go watch

627
00:30:14,440 --> 00:30:16,520
Speaker 3: the tin BLUs Swindlen. Now you've all convinced me.

628
00:30:16,760 --> 00:30:20,880
Speaker 2: Please honestly it is wild. Please watch Jess and report

629
00:30:20,960 --> 00:30:25,320
Speaker 2: back like it's insane. And for anybody who's listened this far,

630
00:30:25,440 --> 00:30:28,160
Speaker 2: when you heard that, I Google searched my Tinder dates.

631
00:30:28,200 --> 00:30:32,200
Speaker 3: No you didn't. But speaking of calls, gee, do we

632
00:30:32,280 --> 00:30:33,640
Speaker 3: have a listener question to get to?

633
00:30:34,240 --> 00:30:37,520
Speaker 4: We certainly do. My girls stand by, let me whip it.

634
00:30:37,560 --> 00:30:42,320
Speaker 5: Up, Hello, Vikitty, and then she's on the money. Girls. Firstly,

635
00:30:42,600 --> 00:30:44,560
Speaker 5: I just want to say thank you for making such

636
00:30:44,560 --> 00:30:48,880
Speaker 5: an amazing little potty. So since listening, I've been working

637
00:30:48,920 --> 00:30:52,240
Speaker 5: on building up my financial security now that my partner

638
00:30:52,280 --> 00:30:54,720
Speaker 5: and I have a mortgage together. So I've been going

639
00:30:54,760 --> 00:30:58,120
Speaker 5: through the process of getting income protection and TPD cover

640
00:30:58,680 --> 00:31:01,800
Speaker 5: on my super No it's super basic, but hey, baby

641
00:31:01,800 --> 00:31:05,600
Speaker 5: steps to financial security. And so during this process, I've

642
00:31:05,640 --> 00:31:09,840
Speaker 5: received a diagnosis for an autoimmune condition called ankilizing spondylitis.

643
00:31:10,320 --> 00:31:13,960
Speaker 5: Side note, massive money win because that medication for this

644
00:31:14,000 --> 00:31:17,040
Speaker 5: is government subsidized and I can focus my money where

645
00:31:17,040 --> 00:31:20,080
Speaker 5: it will make a difference, So big win. But I

646
00:31:20,160 --> 00:31:23,880
Speaker 5: did disclose this to my prospective insurer and they won't

647
00:31:24,040 --> 00:31:28,000
Speaker 5: offer me income protection and TPD cover because of this condition.

648
00:31:29,040 --> 00:31:30,680
Speaker 5: So I'm just a bit stumped on where to go

649
00:31:30,800 --> 00:31:33,840
Speaker 5: from here. Since it's not really an uncommon condition and

650
00:31:33,920 --> 00:31:35,960
Speaker 5: I'm sure there'd be other people in a similar boat.

651
00:31:36,320 --> 00:31:38,680
Speaker 5: I wanted to ask an expert. Thank you so much

652
00:31:38,840 --> 00:31:41,120
Speaker 5: and much love from Tasmania. Bye.

653
00:31:41,240 --> 00:31:44,000
Speaker 2: Oh my gosh, this is such a good question, and

654
00:31:44,200 --> 00:31:46,960
Speaker 2: you guys know how obsessed I am talking about income

655
00:31:47,000 --> 00:31:50,480
Speaker 2: protection and trauma and TVD and literally all of those things.

656
00:31:50,760 --> 00:31:53,600
Speaker 2: But first things first, I know that this person was

657
00:31:53,680 --> 00:32:00,280
Speaker 2: not DJ Tiger Lily, but goddamn, she sounds exactly like Darah,

658
00:32:00,280 --> 00:32:04,920
Speaker 2: so she actually does. She actually sounded so much like Dara.

659
00:32:04,960 --> 00:32:06,520
Speaker 2: I was like, is this Dara? And then I was like, no,

660
00:32:06,640 --> 00:32:09,000
Speaker 2: this story is not Dara. And I also know that

661
00:32:09,040 --> 00:32:11,000
Speaker 2: she's got a financial advisor and would already have her

662
00:32:11,000 --> 00:32:13,480
Speaker 2: insurance is sorted, so wouldn't be asking me that question.

663
00:32:13,880 --> 00:32:17,600
Speaker 2: But if that wasn't a like a doppelganger for a voice,

664
00:32:17,640 --> 00:32:20,520
Speaker 2: I don't know what was Dara. If you're listening, please confirm,

665
00:32:20,800 --> 00:32:26,040
Speaker 2: but very good question. And I'm surprised at that process.

666
00:32:26,360 --> 00:32:28,400
Speaker 2: So I'm going to make some assumptions here so that

667
00:32:28,440 --> 00:32:31,560
Speaker 2: I can have, I guess, a holistic conversation about this,

668
00:32:31,960 --> 00:32:34,600
Speaker 2: because I don't have enough pieces of the puzzle to

669
00:32:34,680 --> 00:32:37,320
Speaker 2: be clear about this. And the first assumption I'm making

670
00:32:37,400 --> 00:32:40,040
Speaker 2: is that you did this yourself. You didn't go and

671
00:32:40,080 --> 00:32:43,920
Speaker 2: get a financial advisor to give you a recommendation, because

672
00:32:44,000 --> 00:32:47,360
Speaker 2: if you had, that should have been taken into consideration,

673
00:32:47,480 --> 00:32:51,280
Speaker 2: and conversations between your financial advisor and the underwriter at

674
00:32:51,320 --> 00:32:53,960
Speaker 2: the insurer should have been had around whether you would

675
00:32:53,960 --> 00:32:56,400
Speaker 2: get an acceptance or a decline, or whether they would

676
00:32:56,440 --> 00:32:59,959
Speaker 2: allow you to have an exclusion. So an exclusion is

677
00:33:00,160 --> 00:33:04,280
Speaker 2: policy condition on an insurance policy that actually stops you

678
00:33:04,360 --> 00:33:06,760
Speaker 2: from getting payment if you want to claim if you're

679
00:33:06,840 --> 00:33:09,400
Speaker 2: unable to work, if you have a particular thing happened

680
00:33:09,440 --> 00:33:11,640
Speaker 2: to you. So Jess, I know that you have a

681
00:33:11,640 --> 00:33:14,120
Speaker 2: bit of a bung knee. They might go, hey, Jess, like,

682
00:33:14,160 --> 00:33:16,320
Speaker 2: if you've got any medical conditions, and you'd be like, oh, no,

683
00:33:16,400 --> 00:33:19,240
Speaker 2: I don't, but actually I have one and it's my knee,

684
00:33:19,280 --> 00:33:21,680
Speaker 2: like I always throw it out when I'm at frisbee.

685
00:33:21,800 --> 00:33:24,760
Speaker 2: And they might go, oh, okay, no problems. But because that's

686
00:33:24,800 --> 00:33:29,120
Speaker 2: a pre existing condition, if you have to claim on insurance, like,

687
00:33:29,240 --> 00:33:31,720
Speaker 2: it doesn't seem fair to us to have to pay

688
00:33:31,720 --> 00:33:34,080
Speaker 2: for something that probably was going to happen or that

689
00:33:34,160 --> 00:33:37,600
Speaker 2: has already happened. So in that situation, you can kind

690
00:33:37,600 --> 00:33:39,920
Speaker 2: of go, all right, well, she's already got abung knee.

691
00:33:40,000 --> 00:33:41,640
Speaker 2: If she needs to take a few weeks off work,

692
00:33:41,720 --> 00:33:45,160
Speaker 2: why is that the insurer's responsibility, Because you kind of

693
00:33:45,200 --> 00:33:48,440
Speaker 2: know what's already going to happen, And an insurer's job

694
00:33:48,640 --> 00:33:51,440
Speaker 2: is to make sure that they're managing risk. So they

695
00:33:51,560 --> 00:33:54,400
Speaker 2: need to have a look at risk and go all right,

696
00:33:55,320 --> 00:33:57,440
Speaker 2: using Jess as an example, and I don't even I

697
00:33:57,440 --> 00:33:59,400
Speaker 2: don't think i've done your insurances. You do not have

698
00:33:59,400 --> 00:34:03,640
Speaker 2: any explain So it's just a hypothetical. But if we

699
00:34:03,720 --> 00:34:06,240
Speaker 2: look at Jess and go, all right, this is the circumstance,

700
00:34:06,320 --> 00:34:09,120
Speaker 2: this is the situation, they're going to go, We're not

701
00:34:09,160 --> 00:34:11,520
Speaker 2: going to take risk where we have to pay out

702
00:34:11,719 --> 00:34:13,520
Speaker 2: like we want to make sure that we are paying

703
00:34:13,560 --> 00:34:16,160
Speaker 2: out for things that we didn't see coming, whereas if

704
00:34:16,160 --> 00:34:18,000
Speaker 2: we saw it coming, I'm not going to agree to that.

705
00:34:18,600 --> 00:34:21,680
Speaker 2: So in this situation, what I'm assuming has happened is

706
00:34:21,680 --> 00:34:24,480
Speaker 2: you've applied to an insurer after doing your own research

707
00:34:24,800 --> 00:34:27,520
Speaker 2: and haven't actually looked into a lot of the other

708
00:34:27,560 --> 00:34:29,799
Speaker 2: policies that might be a little bit more flexible on

709
00:34:29,880 --> 00:34:33,200
Speaker 2: autoimmune conditions. Now I say this because I've recently gone

710
00:34:33,239 --> 00:34:35,839
Speaker 2: through the underwriting process with a client who actually has

711
00:34:35,920 --> 00:34:39,719
Speaker 2: loopus and that is another autoimmune condition. And there were

712
00:34:39,760 --> 00:34:42,719
Speaker 2: a few insurers that blanket said no. They said no,

713
00:34:42,920 --> 00:34:45,040
Speaker 2: we would not touch that person with a ten foot

714
00:34:45,080 --> 00:34:48,520
Speaker 2: pole when it comes to autoimmune diseases, we just say no,

715
00:34:49,280 --> 00:34:52,040
Speaker 2: whereas we had to do some more research with some

716
00:34:52,160 --> 00:34:54,880
Speaker 2: other insurers and go would you accept it? Would you not?

717
00:34:55,400 --> 00:34:57,799
Speaker 2: And this person or one of my clients has had

718
00:34:57,840 --> 00:35:02,000
Speaker 2: their insurance policy accepted, but they have an exclusion on

719
00:35:02,080 --> 00:35:05,759
Speaker 2: that policy for that illness. So if they have to

720
00:35:05,800 --> 00:35:08,120
Speaker 2: take time off due to work, if they need to

721
00:35:08,160 --> 00:35:12,600
Speaker 2: claim on income protection for loopers, they won't get it. However,

722
00:35:12,719 --> 00:35:14,680
Speaker 2: if they're in a car accident, break their leg and

723
00:35:14,800 --> 00:35:17,040
Speaker 2: can't go to work and stand in retail for the

724
00:35:17,080 --> 00:35:19,879
Speaker 2: next eight hours every single day, they will be able

725
00:35:19,920 --> 00:35:22,719
Speaker 2: to claim on it. So it's not saying no, you

726
00:35:22,800 --> 00:35:26,080
Speaker 2: can't have insurance at all. It's saying you can have

727
00:35:26,200 --> 00:35:30,480
Speaker 2: insurance for absolutely everything except for that one thing. So

728
00:35:30,600 --> 00:35:33,920
Speaker 2: from my perspective as a financial advisor, I would recommend

729
00:35:34,000 --> 00:35:37,160
Speaker 2: getting another opinion or even talking to our friend Phil

730
00:35:37,480 --> 00:35:40,280
Speaker 2: Feel from sky Wealth, which will link in the show notes.

731
00:35:40,320 --> 00:35:44,160
Speaker 2: Actually because Phil is an insurance specialist and he has

732
00:35:44,200 --> 00:35:46,839
Speaker 2: been doing all of our ses on the money insurances.

733
00:35:46,880 --> 00:35:48,880
Speaker 2: When you guys feel in the form on our website

734
00:35:48,960 --> 00:35:50,839
Speaker 2: and say I want to talk to someone to sort

735
00:35:50,840 --> 00:35:52,960
Speaker 2: out my IP, Phil is the one that we usually

736
00:35:53,000 --> 00:35:55,560
Speaker 2: send you to. So Phil would be able to have

737
00:35:55,600 --> 00:35:57,920
Speaker 2: a chat with you about what your options are and

738
00:35:58,000 --> 00:36:01,319
Speaker 2: why you were potentially declined. But from my perspective, I

739
00:36:01,320 --> 00:36:02,720
Speaker 2: would be getting another opinion.

740
00:36:03,080 --> 00:36:06,319
Speaker 3: Yeah, So for our friends with autoimmune diseases or bung

741
00:36:06,400 --> 00:36:09,680
Speaker 3: knees or anything that might give them an exclusion. We've

742
00:36:09,719 --> 00:36:12,520
Speaker 3: spoken before about mental health being a big one. If

743
00:36:12,560 --> 00:36:15,520
Speaker 3: there a step that we could take to protect ourselves

744
00:36:15,640 --> 00:36:19,040
Speaker 3: in the sense of, you know, if that particular thing

745
00:36:19,080 --> 00:36:22,360
Speaker 3: becomes an issue, because obviously our listener is trying to

746
00:36:22,400 --> 00:36:25,000
Speaker 3: put herself in the best position, and of course we

747
00:36:25,160 --> 00:36:28,760
Speaker 3: hope that your autoimmune disease is never going to become

748
00:36:28,840 --> 00:36:33,440
Speaker 3: overwhelming or become an overarching problem. Should that happen, are

749
00:36:33,480 --> 00:36:35,640
Speaker 3: there other options of things that she could maybe look

750
00:36:35,680 --> 00:36:38,040
Speaker 3: into to protect herself in that instance.

751
00:36:38,560 --> 00:36:41,880
Speaker 2: So, because the condition already exists, you're kind of in

752
00:36:41,920 --> 00:36:44,440
Speaker 2: a rock and a hard place because from my perspective,

753
00:36:44,440 --> 00:36:46,440
Speaker 2: an insurer isn't going to want to ensure you for

754
00:36:46,480 --> 00:36:49,240
Speaker 2: that condition. So I would be making sure that everything

755
00:36:49,239 --> 00:36:51,160
Speaker 2: else is set up so that you are okay and

756
00:36:51,239 --> 00:36:53,799
Speaker 2: you have good emergency funds and all of that. But

757
00:36:53,880 --> 00:36:57,640
Speaker 2: this is why Jess I am so passionate about getting

758
00:36:57,640 --> 00:37:01,360
Speaker 2: insurance early, because if she had gotten insurance earlier, before

759
00:37:01,400 --> 00:37:03,920
Speaker 2: this had even come up, she would have been covered

760
00:37:03,920 --> 00:37:06,719
Speaker 2: for it. And a lot of things actually come up

761
00:37:06,760 --> 00:37:09,239
Speaker 2: as we get older, so you might not have that

762
00:37:09,360 --> 00:37:11,560
Speaker 2: at twenty when you have your first full time income,

763
00:37:11,560 --> 00:37:13,640
Speaker 2: and you might go, what's the point of income protection?

764
00:37:14,120 --> 00:37:16,400
Speaker 2: The point is to get a policy that doesn't have

765
00:37:16,440 --> 00:37:19,600
Speaker 2: any exclusions so that you're looking after future you. But

766
00:37:19,640 --> 00:37:21,520
Speaker 2: there's actually not a whole heap that you can do

767
00:37:21,600 --> 00:37:24,279
Speaker 2: personally when it comes to getting cover for a pre

768
00:37:24,360 --> 00:37:27,640
Speaker 2: existing condition. It's like health insurance. If you've already had

769
00:37:27,640 --> 00:37:29,680
Speaker 2: a cancer, they're not going to cover you for that

770
00:37:29,760 --> 00:37:33,680
Speaker 2: particular cancer because the probability of you having to claim

771
00:37:33,880 --> 00:37:37,000
Speaker 2: is crazy. It's really frustrating. But guys, this is why

772
00:37:37,000 --> 00:37:39,840
Speaker 2: I want you to prioritize getting insurance early. But the

773
00:37:40,000 --> 00:37:42,640
Speaker 2: second thing Jess and I cannot believe I didn't say

774
00:37:42,640 --> 00:37:48,200
Speaker 2: this before, is check your superanuation. There are insurances inside

775
00:37:48,200 --> 00:37:51,640
Speaker 2: your superranuation, and if you have a default policy, it

776
00:37:51,719 --> 00:37:55,600
Speaker 2: is very probable that that policy doesn't have any exclusions

777
00:37:55,640 --> 00:37:57,319
Speaker 2: on it. So what you're going to do is it

778
00:37:57,360 --> 00:37:59,560
Speaker 2: going to work out what that policy is and how

779
00:37:59,560 --> 00:38:02,279
Speaker 2: it works and what benefit it is to you, And

780
00:38:02,320 --> 00:38:05,000
Speaker 2: you're going to talk to a financial advisor that can

781
00:38:05,080 --> 00:38:08,640
Speaker 2: help you understand what's going on, because it does become

782
00:38:08,640 --> 00:38:10,279
Speaker 2: a bit of a balancing act when you have a

783
00:38:10,320 --> 00:38:13,520
Speaker 2: medical condition that might give you an exclusion on a policy,

784
00:38:13,800 --> 00:38:16,080
Speaker 2: and that might mean you go down a hybrid model

785
00:38:16,280 --> 00:38:19,120
Speaker 2: of having your income protection with an exclusion on it

786
00:38:19,160 --> 00:38:22,960
Speaker 2: from one place, but then also retaining maybe an income

787
00:38:22,960 --> 00:38:26,960
Speaker 2: protection policy inside Super that's not as good and you know,

788
00:38:27,160 --> 00:38:28,759
Speaker 2: not that great, and it might be cheap, and it

789
00:38:28,840 --> 00:38:31,480
Speaker 2: might only have a payout time of like two years

790
00:38:31,600 --> 00:38:34,360
Speaker 2: or something. So from my perspective as a financial advisor,

791
00:38:34,360 --> 00:38:37,160
Speaker 2: I'd be like, if you were a clean skin, i e.

792
00:38:37,320 --> 00:38:39,560
Speaker 2: Somebody who had absolutely nothing wrong with them, yes I

793
00:38:39,560 --> 00:38:42,600
Speaker 2: would replace it with a quote better policy. But because

794
00:38:42,600 --> 00:38:46,000
Speaker 2: it has no exclusions, it's very likely that I might say,

795
00:38:46,040 --> 00:38:49,320
Speaker 2: but Jess, keep that one as well, because if anything

796
00:38:49,440 --> 00:38:52,200
Speaker 2: happens with your knee, that is the policy we will

797
00:38:52,200 --> 00:38:54,000
Speaker 2: claim on because you aren't going to get into any

798
00:38:54,040 --> 00:38:56,520
Speaker 2: trouble with it. So this is why we need to

799
00:38:56,520 --> 00:39:00,200
Speaker 2: be so careful with the insurances inside our Super, not

800
00:39:00,280 --> 00:39:02,160
Speaker 2: just jump on the super website and roll them all

801
00:39:02,200 --> 00:39:05,320
Speaker 2: together and be like whatever, it doesn't matter, because it does,

802
00:39:05,640 --> 00:39:08,480
Speaker 2: especially as things come up as we get a bit older.

803
00:39:08,640 --> 00:39:10,960
Speaker 3: Yeah, so in that case, something is better than nothing.

804
00:39:11,320 --> 00:39:13,919
Speaker 3: Have your emergency fund in place if you can't get

805
00:39:13,920 --> 00:39:16,719
Speaker 3: that insurance, talk to an expert, get them to help

806
00:39:16,760 --> 00:39:19,319
Speaker 3: sort you out wherever possible. If you can't get that

807
00:39:19,400 --> 00:39:23,680
Speaker 3: insurance policy, which does happen, and it's really unfortunate, look

808
00:39:23,719 --> 00:39:26,520
Speaker 3: after your emergency funds. Make sure you've done everything to

809
00:39:26,560 --> 00:39:29,240
Speaker 3: set yourself up so you've got a nice cushion should

810
00:39:29,320 --> 00:39:29,879
Speaker 3: you need it.

811
00:39:30,239 --> 00:39:33,799
Speaker 2: Yeah, And I think it's quite unknown, right, So we

812
00:39:33,880 --> 00:39:37,040
Speaker 2: talk on this podcast about the importance of income protection

813
00:39:37,200 --> 00:39:40,520
Speaker 2: and the importance of insurance, but I think something that's

814
00:39:40,600 --> 00:39:44,720
Speaker 2: relatively unknown is that there are people that insurance companies

815
00:39:44,719 --> 00:39:46,799
Speaker 2: aren't going to want to ensure it all. Yeah, So there

816
00:39:46,840 --> 00:39:49,520
Speaker 2: are people who might have and I'm not saying this

817
00:39:49,560 --> 00:39:53,080
Speaker 2: is a bad thing, but people who have multiple serious

818
00:39:53,160 --> 00:39:56,400
Speaker 2: medical conditions going on are a very big risk to

819
00:39:56,480 --> 00:40:00,239
Speaker 2: insurers of claiming and therefore a lot of insurers also sorry,

820
00:40:00,320 --> 00:40:02,640
Speaker 2: I'm not going to ensure you. So there are some

821
00:40:02,760 --> 00:40:04,719
Speaker 2: people that I have met and I have had to

822
00:40:04,719 --> 00:40:07,680
Speaker 2: deliver the news to that Unfortunately, I can't find a

823
00:40:07,680 --> 00:40:10,279
Speaker 2: policy where someone's actually going to ensure you. It's just

824
00:40:10,320 --> 00:40:13,240
Speaker 2: a no go. And that is true for some careers.

825
00:40:13,520 --> 00:40:16,120
Speaker 2: So for example, and this is a very recent example,

826
00:40:16,120 --> 00:40:18,360
Speaker 2: because I have a client who is an air traffic controller.

827
00:40:18,640 --> 00:40:21,280
Speaker 2: If you're an air traffic controller, you won't get income

828
00:40:21,280 --> 00:40:24,680
Speaker 2: protection in Australia. Nobody will cover you. Why it's too

829
00:40:24,760 --> 00:40:28,040
Speaker 2: high risk job in what way? I don't know, because

830
00:40:28,080 --> 00:40:31,200
Speaker 2: from my understanding, an air traffic controller sits in the

831
00:40:31,280 --> 00:40:34,600
Speaker 2: control tower and doesn't actually go in the sky. But

832
00:40:35,200 --> 00:40:38,320
Speaker 2: that is too riskier of a job to be covered.

833
00:40:38,360 --> 00:40:40,920
Speaker 2: And there are lots of jobs like that where insurance

834
00:40:40,960 --> 00:40:43,120
Speaker 2: companies are going to be like nop, sorry, George, too

835
00:40:43,200 --> 00:40:46,200
Speaker 2: risky working at shees on the money. That woman's crazy, No,

836
00:40:47,480 --> 00:40:51,160
Speaker 2: but it is quite serious. There are careers that aren't

837
00:40:51,160 --> 00:40:53,239
Speaker 2: going to get income protection, which is why it's really

838
00:40:53,280 --> 00:40:56,919
Speaker 2: important to check your superannuation again because sometimes they would

839
00:40:56,960 --> 00:40:59,759
Speaker 2: have given it to you via default, which is very helpful.

840
00:41:00,160 --> 00:41:02,319
Speaker 2: But there are also times when you might have had

841
00:41:02,320 --> 00:41:05,560
Speaker 2: too many medical conditions, or you know, if you've gone

842
00:41:05,600 --> 00:41:07,680
Speaker 2: through a whole heap of mental health issues and then

843
00:41:07,760 --> 00:41:10,120
Speaker 2: physical health issues and you just haven't gotten out the

844
00:41:10,200 --> 00:41:12,279
Speaker 2: other side of it yet, they might go absolutely not,

845
00:41:12,719 --> 00:41:15,359
Speaker 2: we're not ensuring you. But the important thing is to

846
00:41:15,440 --> 00:41:18,080
Speaker 2: get advice so you know what the action plan is.

847
00:41:18,440 --> 00:41:21,279
Speaker 2: So my client who's an air traffic controller. Yes, we

848
00:41:21,360 --> 00:41:24,040
Speaker 2: can't have income protection, but we've done a whole heap

849
00:41:24,080 --> 00:41:26,160
Speaker 2: of planning on the flip side to make sure that

850
00:41:26,200 --> 00:41:28,680
Speaker 2: they do have as much protection as we can afford

851
00:41:28,719 --> 00:41:30,880
Speaker 2: them at this point in time, which means they have

852
00:41:31,000 --> 00:41:34,160
Speaker 2: increased other policies and we've worked out different amounts of

853
00:41:34,200 --> 00:41:37,319
Speaker 2: emergency funds that they'd be comfortable with because they just

854
00:41:37,360 --> 00:41:40,160
Speaker 2: don't have access to that where most of my clients do.

855
00:41:40,600 --> 00:41:42,759
Speaker 2: So I think it's really important and I know that

856
00:41:42,800 --> 00:41:44,120
Speaker 2: you guys are going to be like bah, but we

857
00:41:44,120 --> 00:41:47,000
Speaker 2: can just do it ourselves. A policy through a financial

858
00:41:47,040 --> 00:41:49,319
Speaker 2: advisor is going to be so much more thought out,

859
00:41:49,600 --> 00:41:52,200
Speaker 2: like at the end of the day, turns out that's

860
00:41:52,200 --> 00:41:54,520
Speaker 2: what we do twenty four to seven. We leave it,

861
00:41:54,600 --> 00:41:56,600
Speaker 2: we breathe it, we have been through it. I know

862
00:41:56,680 --> 00:41:59,440
Speaker 2: who to call if I'm not sure about whether you're

863
00:41:59,440 --> 00:42:01,640
Speaker 2: going to get a C or not. I know what

864
00:42:01,800 --> 00:42:04,560
Speaker 2: to talk to you about and what your priorities are, like,

865
00:42:05,000 --> 00:42:07,080
Speaker 2: go talk to Phil from Skywealth. I can't do it

866
00:42:07,080 --> 00:42:08,759
Speaker 2: at this point in time. Sorry, guys.

867
00:42:09,320 --> 00:42:11,840
Speaker 3: One last question before we scoot off. You used a

868
00:42:11,960 --> 00:42:14,839
Speaker 3: term before that I'm just not familiar with. You said clean.

869
00:42:14,600 --> 00:42:19,040
Speaker 2: Skin oh yeah. So in the financial advice world, a

870
00:42:19,200 --> 00:42:23,560
Speaker 2: clean skin, which I shouldn't even be using on the podcast,

871
00:42:23,719 --> 00:42:27,400
Speaker 2: is essentially somebody who, if you applied to an insurance

872
00:42:27,440 --> 00:42:30,920
Speaker 2: company with, would have absolutely no exclusions and slides straight

873
00:42:30,960 --> 00:42:34,840
Speaker 2: into getting full income protection, full insurances with no questions.

874
00:42:35,080 --> 00:42:38,280
Speaker 2: It would be somebody who has an incredibly clean medical history,

875
00:42:38,400 --> 00:42:42,000
Speaker 2: nothing's ever gone wrong, there's no genetic issues in the background,

876
00:42:42,080 --> 00:42:44,879
Speaker 2: because when you do go for income protection, guys, they're

877
00:42:44,880 --> 00:42:47,280
Speaker 2: going to say, have your parents had any kind of issues?

878
00:42:47,320 --> 00:42:49,960
Speaker 2: Has anything gone on? So a clean skin is somebody

879
00:42:50,120 --> 00:42:53,880
Speaker 2: who is essentially a dream client for a financial advisor

880
00:42:53,920 --> 00:42:56,839
Speaker 2: when it comes to insurance because they have nothing that

881
00:42:56,880 --> 00:42:59,560
Speaker 2: an insurance company would go little red flag? Can we

882
00:42:59,560 --> 00:43:03,080
Speaker 2: talk about? Interesting in saying that, guys, I think we're

883
00:43:03,120 --> 00:43:05,440
Speaker 2: done here. We've talked about clean skins, We've talked about

884
00:43:05,480 --> 00:43:08,600
Speaker 2: the Tinder swindler of red flags, We've given some dating advice,

885
00:43:08,680 --> 00:43:11,080
Speaker 2: We've talked about income protection. Like, I just feel like

886
00:43:11,200 --> 00:43:14,040
Speaker 2: this episode we're done. What do you guys? Reckon?

887
00:43:14,320 --> 00:43:17,439
Speaker 4: Yeah, ready to roll? It's think Yeah, I.

888
00:43:17,320 --> 00:43:19,840
Speaker 2: Feel like this is a pretty good episode. If you

889
00:43:19,920 --> 00:43:22,560
Speaker 2: don't ask me anyway, it is time to go so

890
00:43:22,920 --> 00:43:25,080
Speaker 2: just before we head off, we'd like to acknowledge and

891
00:43:25,200 --> 00:43:28,920
Speaker 2: pay respect to Australia's Aboriginal and Torres Right Islander people's.

892
00:43:29,239 --> 00:43:32,400
Speaker 2: They're the traditional custodians of the lands, the waterways and

893
00:43:32,440 --> 00:43:35,880
Speaker 2: the skies all across Australia. We thank you for sharing

894
00:43:36,000 --> 00:43:38,040
Speaker 2: and for caring for the land on which we are

895
00:43:38,120 --> 00:43:41,640
Speaker 2: able to learn. We pay respects to elders past and present,

896
00:43:41,760 --> 00:43:44,600
Speaker 2: and we share our friendship and our kindness.

897
00:43:44,160 --> 00:43:46,440
Speaker 4: And the advice sheed on. She's on the money is

898
00:43:46,560 --> 00:43:50,240
Speaker 4: general in nature and does not consider your individual circumstances.

899
00:43:50,719 --> 00:43:53,920
Speaker 4: She's on the Money exists purely for educational purposes and

900
00:43:53,960 --> 00:43:56,400
Speaker 4: should not be relied upon to make an investment or

901
00:43:56,440 --> 00:44:00,840
Speaker 4: a financial decision. And we promise Victoria Divine an authorized

902
00:44:00,920 --> 00:44:05,520
Speaker 4: representative of Infocused Securities Australia Proprietly Limited A B and

903
00:44:05,719 --> 00:44:08,560
Speaker 4: four seven zero ninety seven seven nine seven zero four

904
00:44:08,760 --> 00:44:11,799
Speaker 4: nine a FO CL two three six five two three.

905
00:44:11,880 --> 00:44:13,480
Speaker 2: We'll get to the point where that rolls off your

906
00:44:13,520 --> 00:44:19,160
Speaker 2: tongue again. Drink it was okay, Sorry, sorry, see you

907
00:44:19,200 --> 00:44:20,040
Speaker 2: next week. Guys.

908
00:44:20,239 --> 00:44:23,200
Speaker 4: Hi, guys,