Speaker 1: She's on the Money. She's on the Money.
Speaker 2: Hello, and welcome to She's on the Money, the podcast
Speaker 2: for millennials who want financial freedom. Today, Friends is Friday,
Speaker 2: which means it is time to sit back with George,
Speaker 2: Jess and I with a drink in hand, perhaps to
Speaker 2: unpack our favorite moments of the week, and of course,
Speaker 2: to celebrate you the incredible She's on the Money community.
Speaker 2: As always, we are going to be sharing our favorite
Speaker 2: money wins. We are going to be discussing what's making
Speaker 2: juicy news in the finance world, and we're going to
Speaker 2: be helping answer a money question today, which this week
Speaker 2: is all about insurances and potential exclusions. But before we
Speaker 2: get there, it is time to recap the week that was.
Speaker 2: Mister Sagarici talked to us about what happened on Monday's
Speaker 2: Money Diary this week.
Speaker 3: Monday's Money Diarist took us through a little bit of
Speaker 3: a journey. She had very sadly lost her father a
Speaker 3: few years ago and unfortunately found herself in the position
Speaker 3: where his will wasn't up to date, and her family
Speaker 3: dynamic had shifted a few times over the years through
Speaker 3: separations and divorces and kids from different families, which is
Speaker 3: really common.
Speaker 4: There's so many.
Speaker 3: Blended families out there nowadays. But something people maybe don't
Speaker 3: think about is the need to update your will when
Speaker 3: that situation arises. And unfortunately she found herself in the
Speaker 3: position where her and her siblings and stepsiblings were kind
Speaker 3: of disputing what was in the will because it wasn't
Speaker 3: accurate at the time of his passing. It's just a
Speaker 3: really hard situation to find yourself in when you're already
Speaker 3: going through a traumatic experience. You're obviously devastated by the loss.
Speaker 3: She said, it came as a surprise, which is really
Speaker 3: hard in and of itself, and then on top of that,
Speaker 3: you have arguments essentially with your family. They went through lawyers,
Speaker 3: there were huge fees. It was just a really messy process.
Speaker 3: So she explained to us a little bit about how
Speaker 3: that went down, and it was a really really great
Speaker 3: minder I think to make sure your will is in order.
Speaker 3: We've done a whole episode. If you want to know
Speaker 3: the how and the why, you might think you're too
Speaker 3: young spoiler alert, you're probably not get that will sorted
Speaker 3: because it's not just you, it's all the people that
Speaker 3: you love as well that are impacted if it's.
Speaker 2: Not yeah, and our money. Doors said something that I
Speaker 2: found really powerful, and that you don't do a will
Speaker 2: for yourself. She said, you do a will for your family. Like,
Speaker 2: obviously there's quite I guess a self centeredness to a
Speaker 2: will because it's my stuff that I'm allocating out, so
Speaker 2: therefore it is very about me. But in reality, if
Speaker 2: you pass away, it's actually about your family not having
Speaker 2: to go through the admin of going through the courts
Speaker 2: to do dispute will or even establish a claim. And
Speaker 2: this money darist. It wasn't just like twelve months, which
Speaker 2: we usually see that process taking. It was upwards of
Speaker 2: three years. And that's a long time to be going
Speaker 2: through a process while you're also grieving like that. It's
Speaker 2: just not something I would want to put my family through.
Speaker 2: So if you haven't thought about getting a will, I
Speaker 2: definitely would recommend it, and I promise it will give
Speaker 2: you a whole heap of peace of mind. Moving on
Speaker 2: from talking about wills in estate planning, which I could
Speaker 2: honestly talk about for ages like if you let me,
Speaker 2: which in the office sometimes you guys do appreciate it.
Speaker 2: But Georgia King, what happened on this week's Wednesday episode,
Speaker 2: Hello ladies.
Speaker 4: This Wednesday, we spoke about the sharing economy and it
Speaker 4: got philosophical, didn't it be?
Speaker 3: It did?
Speaker 2: It got a bit sappy, like we just took it
Speaker 2: off road for a little bit. We did have to
Speaker 2: get back on track, we did. I feel sorry for
Speaker 2: our producer this week.
Speaker 4: Yeah, look it was. It wasn't the easiest record, but hey,
Speaker 4: it was super interesting. And for anyone who has no
Speaker 4: idea what the sharing economy is.
Speaker 2: That is okay because we did whole episode so you
Speaker 2: can listen.
Speaker 4: Right, but in some really quickly it's basically the model
Speaker 4: where individuals share goods and services that are facilitated by
Speaker 4: some kind of platform or app. So really common examples
Speaker 4: would be like Uber or Airbnb, and even like trading
Speaker 4: a rental kind of platform, so like release it for example.
Speaker 2: So yeah, it was really.
Speaker 4: Interesting talking through kind of the pros and cons of
Speaker 4: the sharing economy. The pros being that it's like really
Speaker 4: good for the environment, but then the negatives things like gentrification.
Speaker 4: What else will the negatives be?
Speaker 2: Oh, there were so many listen to the episode. Honestly,
Speaker 2: I feel like there were lots of negatives, but lots
Speaker 2: of positives, and I feel like the sharing economy has
Speaker 2: come so far like it used to be, I don't know,
Speaker 2: a little bit hippie, a little bit left field. People
Speaker 2: would be like, oh, that's a bit weird. Like, as
Speaker 2: I said on the podcast George, when dress rentals became
Speaker 2: a really big thing online, I think that they really
Speaker 2: redefined what that looked like, because you remember when dress
Speaker 2: rentals used to just be the like Ferrari down the
Speaker 2: street where you could get like some bridesmaids dresses or
Speaker 2: rented tucks that probably smell like ciggies like that used
Speaker 2: to be your dress rentols. And now you've got these
Speaker 2: gorgeous companies like glam Corner that you just go wow
Speaker 2: like that that definitely is for me. But you know,
Speaker 2: maybe the bridesmaid's dresses and the Sigi tucks are probably
Speaker 2: not my vibe. You know.
Speaker 3: It's also really funny to think about trying to explain
Speaker 3: that concept to me as like a five year old
Speaker 3: child or my parents, you know, in the really early nineties,
Speaker 3: when the internet was not what it is today. Imagine
Speaker 3: saying to someone, Hey, you're going to get on a telephone.
Speaker 3: You're going to reach out to someone you've never met before,
Speaker 3: and you're going to get in their car and they're
Speaker 3: going to take you somewhere.
Speaker 2: Like ye, and you're going to trust them and it's
Speaker 2: totally okay. So what will happen is they'll just turn
Speaker 2: up at your house. They've got your address. Yeah, it's
Speaker 2: all good. Don't know where you're going.
Speaker 3: Stranger chang alarm bells are going off like crazy. So
Speaker 3: it's just wild to think about how far that has come,
Speaker 3: I guess, over the course of not even fifteen years.
Speaker 2: And it's kind of crazy to think about where we're
Speaker 2: going in the future as well when it comes to
Speaker 2: the Internet, Like we're now talking about like the metaverse
Speaker 2: and what the next version of the Internet looks like
Speaker 2: for us, And like I was even googling guys over
Speaker 2: the weekend, I read up on, you know, the metaverse
Speaker 2: and people buying metaverse properties, and I wanted to understand
Speaker 2: that a little bit deeper because I was like, all right,
Speaker 2: tell me the crux of this, because there are people,
Speaker 2: people in our community, guys who are buying properties or
Speaker 2: blocks of land in the metaverse for their kids as investments.
Speaker 2: And I just go, Nah, sure that doesn't exist. Surely no,
Speaker 2: but like it kind of makes sense the more you
Speaker 2: read into it and the more online our lives are,
Speaker 2: and the more you go, all right, well, I guess
Speaker 2: you know in two thousand and eight, how much of
Speaker 2: your life existed on the internet and it's kind of
Speaker 2: like nothing. But now it's two and my entire business
Speaker 2: is on the internet. Everything that we do is on
Speaker 2: the internet. You guys are employed via the internet. Like
Speaker 2: it is crazy to think, how like essentral in our
Speaker 2: lives this has become. So it makes sense that it
Speaker 2: would become a bigger thing. So anyway, turns out you
Speaker 2: can buy pent houses, and I reckon, we should buy
Speaker 2: a metaverse. She's on the money, HQ. Well, just not
Speaker 2: be sick.
Speaker 4: I don't get it. Is this like you put on
Speaker 4: goggles and then you're in.
Speaker 2: Yeah, you could come to my house, but on the internet.
Speaker 2: I hate you. Wait you wait, I'm gonna buy my
Speaker 2: metaverse apartment. It's going to be the pent house one
Speaker 2: and one day when I sell it for five million dollars,
Speaker 2: you guys are gonna wish you didn't laugh with me.
Speaker 2: No financial advice, yeah, not definitely not because I still
Speaker 2: don't fully comprehend anything. That's going on? Nor do I
Speaker 2: even know how to transact like I've just googled metaverse apartments.
Speaker 2: Thank you, thank you. But let's move on before I
Speaker 2: sound like I'm pushing crypto Georgia king. What have you
Speaker 2: got from the Facebook community this week?
Speaker 4: Some absolutely gorgeous wins as usual, girls, So let us
Speaker 4: rip into it. Let me just pull it up. Okay,
Speaker 4: So our first win for the week is from Ali
Speaker 4: money Win. I was able to do the bulk of
Speaker 4: my month's grocery shopping at Aldi for a total of
Speaker 4: one hundred and forty dollars. One hundred and forty dollars
Speaker 4: for a whole month. That's insane.
Speaker 2: Anyway.
Speaker 4: While she was there, she scored collapsible dog steps for
Speaker 4: her sweet twelve year old cheap who on sale for
Speaker 4: ten dollars two weeks ago. That sweet cheep who pulled
Speaker 4: a muscle jumping onto the couch. So she was on
Speaker 4: the lookout for steps like these, and Aldi delivered, as
Speaker 4: they so often do. Have you guys got steps for
Speaker 4: your little animals?
Speaker 2: Dog steps?
Speaker 5: No?
Speaker 2: I would. I have a friend who has a sausage
Speaker 2: dog who has a ramp on their carrot less, so
Speaker 2: like that's very cute.
Speaker 4: Can they jump in anyway?
Speaker 5: Can they?
Speaker 4: Like?
Speaker 2: I think they can, but they shouldn't because it's bad
Speaker 2: for their little backs. So he's got his name's Frankie,
Speaker 2: and he like trots uppy his little ramp and onto
Speaker 2: the couch and places himself, And then when he wants
Speaker 2: to get off the couch, he like walks down to
Speaker 2: the ramp and goes down. He's like, I'm ready, I'm tough,
Speaker 2: frank you. The same house has baby gates across the
Speaker 2: stairs because Frankie is not allowed to go down the
Speaker 2: stairs on.
Speaker 4: He's own so much to think about when it comes
Speaker 4: to the strokes. The next one here is from Alex
Speaker 4: So she wrote money when I negotiated my salary as
Speaker 4: I was being headhunted, but I didn't want to leave
Speaker 4: my employer. My first pay at my new higher rate
Speaker 4: hit my account today, and I'm taking home an additional
Speaker 4: one thousand dollars a month, so I'll have my car
Speaker 4: paid off in eighteen months instead of almost three.
Speaker 2: Yearsue, my god, that's literally cutting it in half. How good.
Speaker 4: We love headhunters.
Speaker 2: Thank you, well done, Alex. No, that's not what we like, Georgia.
Speaker 2: You miss the point. We love negotia ourselves, not a
Speaker 2: head hump, kids. We love negotiating and knowing our works exactly.
Speaker 4: Well done, Vee, you wrapped it up. That's what you said,
Speaker 4: That's what you said. What I said, okay. Next one
Speaker 4: is from Kiana. She bit the bullet and paid off
Speaker 4: her Zip pay in one go was nine hundred dollars
Speaker 4: and she's her account. I've always had money owing on
Speaker 4: zip page, she wrote, since twenty seventeen, so I'm pretty
Speaker 4: damn proud of myself.
Speaker 2: Oh my god, should be Yeah, you would feel like
Speaker 2: a massive weight had lifted off your shoulders. I just
Speaker 2: feel like people don't realize the emotional toll of carrying debt,
Speaker 2: Like it can be heavy and you might not feel it.
Speaker 2: You might be like it doesn't make sense. But I
Speaker 2: promise the second you paid all off, you're like, oh,
Speaker 2: I didn't even realize I was carrying that way. It's
Speaker 2: so good.
Speaker 4: Could not agree more. V. The next win comes from Amber.
Speaker 4: This is a long one to strap yourselves in. I'm
Speaker 4: a big sewer who likes to use good quality fabric.
Speaker 4: Last week I went to a local lop shop to
Speaker 4: donate a couple of boxes of old stuff, and while
Speaker 4: I was there, I noticed there were a few bolts
Speaker 4: of what looked like cotton fabric. I asked the worker
Speaker 4: if they were donations, hoping to find out roughly when
Speaker 4: they would be.
Speaker 2: On the floor.
Speaker 4: They said yes and asked if I was interested. So
Speaker 4: when I said yes, they offered me a whole bolt
Speaker 4: for free. Now, a bolt, I think is like the
Speaker 4: it's like a ream of material.
Speaker 2: Do you guys know what it is.
Speaker 4: I'm not a sewer.
Speaker 3: It's like the big card board thing that it's Yeah,
Speaker 3: I'm pretty sure.
Speaker 2: Oh, okay, that's a lot like that's that's like not
Speaker 2: going and getting a clipping. It's like the whole damn thing.
Speaker 4: It's the whole damn thing. She said, there's fifteen meters
Speaker 4: on this bolt, and she's estimated that would be thirty
Speaker 4: dollars a meter. So she got four fifty dollars worth
Speaker 4: of fabric completely free.
Speaker 2: Wow, the best bit.
Speaker 4: I'm starting up a business sewing bits and pieces, and
Speaker 4: this fabric will be perfect for it. Blessed Oh, I
Speaker 4: love that. The next win is from Moira. I had
Speaker 4: to service my car and change the back breaks and discs.
Speaker 4: I had the money saved all throughout the year and
Speaker 4: didn't have to for into my savings. And the final
Speaker 4: win for today Ladies is from Lakeisha. My brother moved
Speaker 4: into state, so I bought his fairly new sixty five
Speaker 4: inch TV off him for four hundred and fifty dollars.
Speaker 4: Seems pricey, but that's okay. And he gave me his
Speaker 4: air fryer for free. Hashtag winner.
Speaker 2: That's a money win.
Speaker 3: You're gonna love it. I'm just gonna say you're gonna love.
Speaker 2: It air fryers. Do you know what else you love? Jess?
Speaker 2: Air wraps if it starts with air juice is probably
Speaker 2: all over it really niche taste. It's niche taste. But
Speaker 2: you know what, Actually, I'm going to share my sister's
Speaker 2: money win. Alexandra de Vine her money when this week
Speaker 2: or this month was actually stealing her sister Victoria's air wraps,
Speaker 2: so that was good for her.
Speaker 4: Is that why you have that roller in your hair
Speaker 4: and look like Elvis Nite?
Speaker 2: Yeah? I've been trying to deal without it.
Speaker 3: All right.
Speaker 2: We are back with arguably the most exciting and juicy
Speaker 2: segment we have ever done, and that's mainly because I
Speaker 2: watched it on TV the other day, and I am
Speaker 2: now in absolute shock, Georgia King that Jessica hasn't seen it.
Speaker 2: Like it's the only thing on TikTok, it's the only
Speaker 2: thing on Instagram at the moment. I cannot believe, jess
Speaker 2: you haven't watched this yet, George. We're talking about the
Speaker 2: Tinder Swindler.
Speaker 4: The Tinder Swindler.
Speaker 2: Oh, the juiciest of stories, George. For those of you
Speaker 2: who haven't watched, who obviously live under a rock, what
Speaker 2: are we missing? Okay?
Speaker 4: So essentially it's an old fashioned catfishing story. However, the
Speaker 4: twist is that this man his name is, or at
Speaker 4: least he claims it is, Simon levyev Is that right? V?
Speaker 2: Have I got that right?
Speaker 4: Simon? I think it was something like or something like
Speaker 4: that anyway, so let's not look into it too.
Speaker 5: No.
Speaker 2: I think his name was Simon or something like. I
Speaker 2: think that was his real name, shim On Hays.
Speaker 4: I think anyway, he basically conned three stunning and smart
Speaker 4: women into transferring him hundreds of thousands of dollars in
Speaker 4: the end. Sorry spoilers alert, we should have said that
Speaker 4: maybe a little earlier.
Speaker 2: Spoiler of it, Yeah, massive right alert.
Speaker 4: So basically he swindles them out of all of this money.
Speaker 4: He meets them on Tinder, hence the Tinder swindler name.
Speaker 4: But it was really interesting to see how he convinced
Speaker 4: these women that he was he was. He basically convinced
Speaker 4: them that he was a diamond Magnet's son, made them
Speaker 4: all believe he was really rich and had these really
Speaker 4: scary enemies who wanted to kill him. So he then
Speaker 4: asked them to transfer money. Rah rah rah, Does anyone
Speaker 4: want to see it?
Speaker 5: Now?
Speaker 4: I feel like I've ruined it.
Speaker 2: Oh my gosh, you've ruined it. But it's wild to
Speaker 2: think that people believe this stuff. Yes, like, oh, the
Speaker 2: amount of red flags that were flying for me. And
Speaker 2: this is probably very well timed given it is or
Speaker 2: has been the week of Valentine's Day. Valentine's Day was
Speaker 2: on Monday, and the Tinder do You Reckon? They timed
Speaker 2: that Do You Reckon? They're trying to talk about it
Speaker 2: during Valentine's Day.
Speaker 4: It which makes sense that I should have launched it on
Speaker 4: Valentine's Day. That was a missed opportunity. That's still talking
Speaker 4: about it.
Speaker 2: So but it is wild and I feel like there
Speaker 2: are so many lessons we can learn from it about dating,
Speaker 2: but also about money and fraud. And is it okay
Speaker 2: if people ask you to take out personal loans in
Speaker 2: your name? Jess? Is it all right? I'm going to
Speaker 2: haven't watched the show.
Speaker 3: I haven't, but going off my intuition, I'm going to
Speaker 3: say no.
Speaker 2: No, it's not so. I think that we did learn
Speaker 2: a few really important lessons from the Tinder swindler. And
Speaker 2: you know, as somebody who met their partner on Tinder
Speaker 2: and I watched this with Steve, I was like, oh, guys,
Speaker 2: this is pretty wild, like the idea that this guy
Speaker 2: swindled women out of money and obviously was doing that
Speaker 2: to a greater extent. We only know about these three
Speaker 2: women because they've come forward and wanted to be in
Speaker 2: a documentary Like that was me. I'm not gonna lie
Speaker 2: even if you've swindled me out of hundreds of thousands
Speaker 2: of dollars. I don't know if I would want to
Speaker 2: go on a documentary to talk about it, like I
Speaker 2: just I'd feel too uncomfortable.
Speaker 3: I feel like it really goes back to what we
Speaker 3: were talking about earlier in the show around the internet
Speaker 3: and how we interact with things evolving. Because again, once
Speaker 3: upon a time, I think it was a little bit
Speaker 3: easier to spot. You know, Nigerian prince has emailed your
Speaker 3: grandma saying he wants to marry her if she will
Speaker 3: just send him some money. It's a pretty glaringly obvious scam,
Speaker 3: whereas nowadays, people like old Mate Simon are preying on
Speaker 3: vulnerable women and I'm sure men as well, getting in
Speaker 3: on their insecurities and having a little bit of insight
Speaker 3: into them as a person already, because your dating profile
Speaker 3: is like a prepackaged show real really, isn't it?
Speaker 2: Like here I am, this is.
Speaker 3: What I like. They kind of have all of the
Speaker 3: information they need to begin to establish that kind of relationship.
Speaker 3: I feel like it's a bit of an easy in
Speaker 3: for some nefarious activities.
Speaker 2: I feel like, for me, there are a whole heap
Speaker 2: of like souper red flags in the show. Right, So
Speaker 2: it wasn't just that he asked for money, but there
Speaker 2: were these like super narcissistic traits like this person love
Speaker 2: bombed them really early, which is where they say I
Speaker 2: love you really early and like shower you with gifts
Speaker 2: and stuff too early, Because it's like, you don't know
Speaker 2: this person from a bar of soap, and like, obviously
Speaker 2: the biggest red flag is that he was asking for
Speaker 2: money for something that was a little bit left field.
Speaker 2: But I can also somewhat sympathize with the women because
Speaker 2: unlike catfishing, like they met the person, like they could
Speaker 2: see him, they could touch him, They could, you know,
Speaker 2: see the wealth around him. I mean, he wore a
Speaker 2: Rolex and he drove fancy cars, and most of the
Speaker 2: women would meet him in luxury hotels as their first date.
Speaker 2: And the first woman that we were introduced to in
Speaker 2: the Tinder Swindler, she met him for coffee and then
Speaker 2: he invited her overseas on his private jet, like I
Speaker 2: would believe that he was wealthy as well, Like I
Speaker 2: wouldn't go, oh, this is all scam, because you don't
Speaker 2: just have a private jet on standby to woo women,
Speaker 2: do you.
Speaker 3: It sounds a lot like I don't know, and I
Speaker 3: think is another one that's on Netflix. But I followed
Speaker 3: the story when it was in the news a few
Speaker 3: years ago. Ammadelvi, have you guys read about that? Yes, yeah,
Speaker 3: so anyone who hasn't. I think it's impersonating Anna is
Speaker 3: the documentary that's coming.
Speaker 2: Out is a really really interesting story.
Speaker 3: I haven't watched that one either, but I followed along,
Speaker 3: like I said, the news a while back, and the
Speaker 3: crux of it was that she also manipulated people into
Speaker 3: paying for massive, massive, massive debts of hers at hotels
Speaker 3: and restaurants, and she infiltrated the New York Upper east
Speaker 3: Side lifestyle with no money, and she just left a
Speaker 3: trail of debt behind her and people who were stuck
Speaker 3: in these holes that they had to get themselves out of.
Speaker 3: But it seems to be is that a bit of
Speaker 3: a red flag? But because she did something very similar?
Speaker 2: When is she a red flag?
Speaker 3: She did something really similar where she would spend, you know,
Speaker 3: pick up the bill, they go to a really extensive
Speaker 3: dinner and she'd be like no, no, no, like I've got it,
Speaker 3: or she'd be like, oh, come overseas with me. I'll
Speaker 3: pay for the hotel. She dropped a lot of money,
Speaker 3: which sounds very similar to what this guy did to
Speaker 3: kind of establish early on that she was rich. And
Speaker 3: then of course her friends who were also rich, like
Speaker 3: oh well, I'll get the next one, and I mean
Speaker 3: nice lifestyle. Can't say I'm shouting any of my friend's
Speaker 3: trips overseas, but it kind of puts you in that
Speaker 3: mind frame of oh, like this is how they live.
Speaker 3: And then when someone like Simon comes along and goes,
Speaker 3: oh I need help, they go, oh, my goodness, Like
Speaker 3: he has his own money, so it must be really bad.
Speaker 2: Yeah. I am very confused about it, not because I
Speaker 2: don't understand the scam, which I can, as you were
Speaker 2: talking about jess Anna, she pretended to be a wealthy
Speaker 2: German Hairess, right, Yeah, Like how do you just wake
Speaker 2: up and decide to be that person? Like from my understanding,
Speaker 2: that would take a lot of money to begin with,
Speaker 2: Like how did they initially get that cash? I feel
Speaker 2: like there's so much for me missing for the story.
Speaker 2: And the one thing that for me was missing from
Speaker 2: the Tinder Swindler was how did he start? Like he
Speaker 2: didn't grow up wealthy, so how did he then acquire
Speaker 2: all of these really expensive things and manage to get
Speaker 2: this high up? Like how do you pretend to be
Speaker 2: the son of a diamond magnet? Like how does that happen?
Speaker 2: Where are the stepping stones? Not because I want to
Speaker 2: copy them, but because genuinely I can't comprehend that, Like,
Speaker 2: what if I decided tomorrow to just wake up and
Speaker 2: I would like to be an heiress, that would be good.
Speaker 2: How do you do that?
Speaker 4: I think you have to be a psychopath? Yeah, because
Speaker 4: didn't he he like there was something in high school
Speaker 4: that he'd committed fraud or something like that. Like, is
Speaker 4: it a bad egg? If that's not already obvious? So
Speaker 4: I feel like this kind of behavior is surely just
Speaker 4: ingrained in who you are as a person.
Speaker 2: That's a narcissis Yeah, they absolutely would be. But it
Speaker 2: just it's crazy how these things start. Like we spoke
Speaker 2: a couple of weeks ago, I think, just before Christmas
Speaker 2: about Elizabeth Holmes and how that worked and what was
Speaker 2: going on there, And I just I can't believe that
Speaker 2: these people can climb so high with nobody questioning.
Speaker 4: Them, like what and no fear, Like how how do
Speaker 4: you keep on doing that and just keep on ruining
Speaker 4: people's lives and then pushing on to the next person.
Speaker 2: It's so horrible and terrible. Sure you're scared, but they.
Speaker 4: It must just be a symptom of psychopathy.
Speaker 2: That's George's diagnosed.
Speaker 3: Sounds a bit like a human Ponzi scheme. If you
Speaker 3: ask al, I just go from the next to the next.
Speaker 3: That's how you keep it up. But I guess to
Speaker 3: bring it right back around to finance the what kind
Speaker 3: of steps or what kind of things should we be
Speaker 3: looking out for if we are in the dating game,
Speaker 3: if we're getting on Tinder having a little swipe, what
Speaker 3: can women do to protect themselves to make sure they
Speaker 3: don't find themselves in a similar position.
Speaker 2: Even Valentine's Days this week, I think lots of people
Speaker 2: are thinking about dating. And the one thing that is
Speaker 2: really easy to dismiss that the start is red flags. Right,
Speaker 2: And I've said this before, but red flags are going
Speaker 2: to be different for everybody, right, Like Jess, you might
Speaker 2: be like, he breathed funny, so I ended the date
Speaker 2: and I went home early, and I'll be like, oh,
Speaker 2: I really liked the way he breathed on me. Like,
Speaker 2: everybody has their different things, and to me, that's not
Speaker 2: necessarily a red flag. That's a personal one for you.
Speaker 2: But I think that there's a few big ones that
Speaker 2: we need to be aware of, especially if you're single
Speaker 2: and going on dates. Asking for money is probably a
Speaker 2: really big red flag. If you're not in a relationship
Speaker 2: with that person. But then to further that, for me,
Speaker 2: it's a really big red flag even if you are,
Speaker 2: because it means that they aren't able to manage their
Speaker 2: own money. And we've seen in our shees on the
Speaker 2: Money community, we have done money diaries on people who
Speaker 2: have been in financially abusive relationships where one of our
Speaker 2: diarists they racked up massive amounts of personal debt because
Speaker 2: their partner made them take out loans, made them take
Speaker 2: out a car loan because they couldn't afford it or
Speaker 2: weren't fully employed, and they promised to pay back, and
Speaker 2: then they broke up with them, but the car's in
Speaker 2: that guy's name and she now has the debt. It's
Speaker 2: absolutely crazy. So anything to do with money in relationships,
Speaker 2: I am really weary. And that's why it's also so
Speaker 2: important for you to be financially secure on your own
Speaker 2: because I'm not saying that. You know, if Steve's like,
Speaker 2: hey babe, I really need to borrow a hundred bucks
Speaker 2: to get to pay day, like, of course I will
Speaker 2: carry that. And that's a different conversation than can you
Speaker 2: please take on a car loan for me? Because I've
Speaker 2: got really bad credit, Like, oh, I don't care how
Speaker 2: in love with somebody you are, Like a car Loan
Speaker 2: is a definite no from me if it's not in
Speaker 2: their own name, like that's their responsibility. And I get that.
Speaker 2: There probably is a lot of nuance to this because
Speaker 2: somebody listening might be like, I'm sorry, Victoria, Like I
Speaker 2: got my partner's car Loan and it was fine. I
Speaker 2: trust him. I get that, but we need to just
Speaker 2: be extra weary. The second thing was where he was
Speaker 2: just like loving on them so hard, like I said before,
Speaker 2: love bombing, And it's where they like become obsessed with
Speaker 2: you really quickly and buy your fancy presence or they
Speaker 2: say love too quickly or do you know what I mean?
Speaker 2: Because they're doing one of two things here. They're either
Speaker 2: scamming you or they're obsessive. And that's kind of weird
Speaker 2: to begin with, Like we've got to be a little
Speaker 2: bit more reserved because if you've just met some random
Speaker 2: on Tinder, how were you in love with them after
Speaker 2: twenty four hours? Like how does that happen? And I
Speaker 2: know a lot of people are going to listen and
Speaker 2: be like but I knew, I get it. Same when
Speaker 2: I met Steve, same, but it did take a few
Speaker 2: months to settle it in and become comfortable with one another,
Speaker 2: and you know, understand their love languages and who they
Speaker 2: are as a person and just going on a date
Speaker 2: and understanding their career and what they're up to. Like
Speaker 2: that is not love, that's infatuation. And we need to
Speaker 2: understand the difference between those things. Because was I in
Speaker 2: love with Steve on our first date. Absolutely not, But
Speaker 2: I was bloody infatuated.
Speaker 4: And that's okay, I've found the whole Like when he
Speaker 4: was like sending them voice memos and facetiming them all
Speaker 4: the time, like it was to outsiders, it was super creepy.
Speaker 4: But when you're swept up in that, it was essentially
Speaker 4: like these little quasi relationships, So you would just be
Speaker 4: completely swept up in it. And especially who does a
Speaker 4: lot of billionaire you know what.
Speaker 2: A line I mean, I probably could easily get swept up.
Speaker 2: Like if you was my type, I definitely be like, okay,
Speaker 2: Like would I have said no to getting on a
Speaker 2: private jet with Steve after twenty four hours? No, I
Speaker 2: would have on the jet. I would have gone on
Speaker 2: the jet, Like it would have happened, But I think
Speaker 2: that we need to be really cautious of who we're
Speaker 2: meeting online. And I think that, you know, in twenty
Speaker 2: twenty two, it's becoming so much more prevalent that, yes,
Speaker 2: social media is our online highlights real, but it's also
Speaker 2: a way that we could create a persona or change
Speaker 2: who we want to be into somebody else. And I've
Speaker 2: been getting really swept up recently on TikTok and in
Speaker 2: Instagram looking at other people's profiles and being like, oh,
Speaker 2: I wish I was more like them, Like they highlight
Speaker 2: reels are really gorgeous, or they create beautiful content. Oh
Speaker 2: they're that girl, and there's this idea of becoming that
Speaker 2: girl on TikTok at the moment, and it's just like
Speaker 2: they're not. They're just good at content creating. And this
Speaker 2: guy was clearly good at it as well, in terms
Speaker 2: of creating content that made you believe this face and
Speaker 2: you didn't ever feel like you needed to fact check
Speaker 2: this guy. None of the people dating him googled him
Speaker 2: at the start of their relationships and tried to research him.
Speaker 2: And I don't think you should have to do that,
Speaker 2: but I think we do need to be super wary
Speaker 2: of not all that glitters is gold, especially when social
Speaker 2: media and building a perception is associated with that. Right,
Speaker 2: my creepy trick.
Speaker 3: And I obviously haven't dated for many, many years. But
Speaker 3: even if I just mean god, LinkedIn, get on LinkedIn.
Speaker 3: They if they tell you that they work somewhere, because not,
Speaker 3: again you can.
Speaker 2: Oh, that's way less creepy than mine.
Speaker 3: What were you gonna say?
Speaker 2: Oh, I was going to say, you screenshot their Tinder
Speaker 2: profile and the reverse Google image search to make sure
Speaker 2: that it's not a catfish profile.
Speaker 3: That is actually so much smarter. But yet do your
Speaker 3: fact checking one hundred percent. Also, I would add into
Speaker 3: this if you are in those early stages and maybe
Speaker 3: you're spending a lot of time together, or maybe you're
Speaker 3: you know, spending a few days a week living together
Speaker 3: or whatever that might look like, just be really cautious
Speaker 3: around protecting your personal information as well. I know that
Speaker 3: we can all be really.
Speaker 2: Trusting, right, Yeah, trusting is a really good word.
Speaker 3: And you know you'll give someone your phone password so
Speaker 3: they can open it and make a call or take
Speaker 3: you know, use your camera or whatever. I know that
Speaker 3: we're all good people and we just want to see
Speaker 3: the best in other people. But I would encourage you
Speaker 3: to have an element of not paranoia, but just a
Speaker 3: little element of reservation with giving that information away. And
Speaker 3: you know it sounds really silly, We're all guilty of it.
Speaker 3: Make sure you use different passwords for different platforms. Don't
Speaker 3: have your phone kin and your bank pin be the same.
Speaker 3: Just little tiny things that can protect your financial wellness
Speaker 3: overall in the worst case scenario that you find yourself
Speaker 3: in a situation where someone is maybe not approaching you
Speaker 3: with the best of intentions.
Speaker 2: Yeah, and I think that self preservation is a really
Speaker 2: big part of dating as well. Like I feel like
Speaker 2: there are so many strong, independent single women in our
Speaker 2: community at the moment, and I speak to them every
Speaker 2: single day and I adore them. But something that I
Speaker 2: do notice, and do you know what this happened when
Speaker 2: I was dating as well, was you start to prioritize
Speaker 2: the relationship over your individual time. Like instead of going
Speaker 2: to plarties with your friend on the weekend and going
Speaker 2: out for brunch and you know, being quite social, that
Speaker 2: becomes quite I guess sheltered. And I think being really
Speaker 2: aware of the friends and family that are surrounding you,
Speaker 2: and if you're becoming really tunnel visioned in your priorities,
Speaker 2: maybe you need to have a think about why that
Speaker 2: would be. Because if you're putting your friends and your
Speaker 2: family on the back burner for someone you've just met,
Speaker 2: is that actually a good idea? Is that actually what
Speaker 2: life is about? I think there's a lot of conversation
Speaker 2: to be had around this, but I guess that for us,
Speaker 2: it's about that financial piece and being independent on your
Speaker 2: own and having an emergency fund and making sure that
Speaker 2: if somebody asks you to take a loan out on
Speaker 2: their behalf, we're not engaging in that. In fact, if
Speaker 2: somebody asks that question, I think the best way to
Speaker 2: actually help is like, hey, okay, no problems. Why how
Speaker 2: how do we get you out of this position? If
Speaker 2: they can't get alone, no problems, Let's find a way
Speaker 2: to get you out of that sticky situation. Do they
Speaker 2: owe money to somebody? Do they owe money on a
Speaker 2: credit card or a personal loan? Like you guys know,
Speaker 2: I am obsessed with our friends at the National Debt Hotline,
Speaker 2: Like call them, have a chat to them. Even if
Speaker 2: you're just not sure, you want to run it by
Speaker 2: somebody like pick up the phone, talk to a financial
Speaker 2: counselor and be like, hey, is this weird? Like I
Speaker 2: don't want to ask my friends about it, but i'man
Speaker 2: dating this guy and you know, he has a car
Speaker 2: loan and he can't pay it because he's not employed
Speaker 2: at the moment. Like, and he's asked me if I
Speaker 2: can take a personal loan to pay it. Should I
Speaker 2: be doing that? In some situations? I feel like making
Speaker 2: that call is going to save you a whole lot
Speaker 2: of headaches down the track.
Speaker 3: Yeah, really great points. Okay, I'm going to go watch
Speaker 3: the tin BLUs Swindlen. Now you've all convinced me.
Speaker 2: Please honestly it is wild. Please watch Jess and report
Speaker 2: back like it's insane. And for anybody who's listened this far,
Speaker 2: when you heard that, I Google searched my Tinder dates.
Speaker 3: No you didn't. But speaking of calls, gee, do we
Speaker 3: have a listener question to get to?
Speaker 4: We certainly do. My girls stand by, let me whip it.
Speaker 5: Up, Hello, Vikitty, and then she's on the money. Girls. Firstly,
Speaker 5: I just want to say thank you for making such
Speaker 5: an amazing little potty. So since listening, I've been working
Speaker 5: on building up my financial security now that my partner
Speaker 5: and I have a mortgage together, so I've been going
Speaker 5: through the process of getting income protection and TPD cover
Speaker 5: on my super No it's super basic, but hey, baby
Speaker 5: steps to financial security. And so during this process, I've
Speaker 5: received a diagnosis for an autoimmune condition called ankilizing spondylitis.
Speaker 5: Side note, massive money win because that medication for this
Speaker 5: is government subsidized and I can focus my money where
Speaker 5: it will make a difference, So big win. But I
Speaker 5: did disclose this to my prospective insurer and they won't
Speaker 5: offer me income protection and TPD cover because of this condition.
Speaker 5: So I'm just a bit stumped on where to go
Speaker 5: from here. Since it's not really an uncommon condition and
Speaker 5: I'm sure there'd be other people in a similar boat.
Speaker 5: I wanted to ask an expert. Thank you so much
Speaker 5: and much love from Tasmania. Bye.
Speaker 2: Oh my gosh, this is such a good question, and
Speaker 2: you guys know how obsessed I am talking about income
Speaker 2: protection and trauma and TVD and literally all of those things.
Speaker 2: But first things first, I know that this person was
Speaker 2: not DJ Tiger Lily, but goddamn, she sounds exactly like Darah,
Speaker 2: So she actually does she actually sounded so much like Dara.
Speaker 2: I was like, is this Dara? And then I was like, no,
Speaker 2: this story is not Dara. And I also know that
Speaker 2: she's got a financial advisor and would already have her
Speaker 2: insurance is sorted, so wouldn't be asking me that question.
Speaker 2: But if that wasn't a like a doppelganger for a voice,
Speaker 2: I don't know what was Dara. If you're listening, please confirm,
Speaker 2: But very good question. And I'm surprised at that process.
Speaker 2: So I'm going to make some assumptions here so that
Speaker 2: I can have, I guess, a holistic conversation about this,
Speaker 2: because I don't have enough pieces of the puzzle to
Speaker 2: be clear about this. And the first assumption I'm making
Speaker 2: is that you did this yourself. You didn't go and
Speaker 2: get a financial advisor to give you a recommendation, because
Speaker 2: if you had, that should have been taken into consideration,
Speaker 2: and conversations between your financial advisor and the underwriter at
Speaker 2: the insurer should have been had around whether you would
Speaker 2: get an acceptance or a decline, or whether they would
Speaker 2: allow you to have an exclusion. So an exclusion is
Speaker 2: policy condition on an insurance policy that actually stops you
Speaker 2: from getting payment if you want to claim if you're
Speaker 2: unable to work, if you have a particular thing happened
Speaker 2: to you. So Jess, I know that you have a
Speaker 2: bit of a bong knee. They might go, hey, Jess,
Speaker 2: like if you've got any medical conditions, and you'd be like, oh, no,
Speaker 2: I don't, but actually I have one and it's my knee,
Speaker 2: like I always throw it out when I'm at frisbee.
Speaker 2: And they might go, oh, okay, no problems. But because that's
Speaker 2: a pre existing condition, if you have to claim on insurance, like,
Speaker 2: it doesn't seem fair to us to have to pay
Speaker 2: for something that probably was going to happen or that
Speaker 2: has already happened. So in that situation, you can kind
Speaker 2: of go, all right, well, she's already got abung knee.
Speaker 2: If she needs to take a few weeks off work,
Speaker 2: why is that the insurer's responsibility, Because you kind of
Speaker 2: know what's already going to happen, And an insurer's job
Speaker 2: is to make sure that they're managing risk. So they
Speaker 2: need to have a look at risk and go all right,
Speaker 2: using Jess as an example, and I don't even I
Speaker 2: don't think i've done your insurances. You do not have
Speaker 2: any explain, So it's just a hypothetical. But if we
Speaker 2: look at Jess and go, all right, this is the circumstance,
Speaker 2: this is the situation, they're going to go, We're not
Speaker 2: going to take risk where we have to pay out
Speaker 2: like we want to make sure that we are paying
Speaker 2: out for things that we didn't see coming, whereas if
Speaker 2: we saw it coming, I'm not going to agree to that.
Speaker 2: So in this situation, what I'm assuming has happened is
Speaker 2: you've applied to an insurer after doing your own research
Speaker 2: and haven't actually looked into a lot of the other
Speaker 2: policies that might be a little bit more flexible on
Speaker 2: autoimmune conditions. Now I say this because I've recently gone
Speaker 2: through the underwriting process with a client who actually has
Speaker 2: loopus and that is another autoimmune condition. And there were
Speaker 2: a few insurers that blanket said no. They said no,
Speaker 2: we would not touch that person with a ten foot
Speaker 2: pole when it comes to autoimmune diseases, we just say no,
Speaker 2: whereas we had to do some more research with some
Speaker 2: other insurers and go would you accept it? Would you not?
Speaker 2: And this person or one of my clients, has had
Speaker 2: their insurance policy accepted but they have an exclusion on
Speaker 2: that policy for that illness. So if they have to
Speaker 2: take time off due to work, if they need to
Speaker 2: claim on income protection for loopers, they won't get it. However,
Speaker 2: if they're in a car accident, break their leg and
Speaker 2: can't go to work and stand in retail for the
Speaker 2: next eight hours every single day, they will be able
Speaker 2: to claim on it. So it's not saying no, you
Speaker 2: can't have insurance at all. It's saying you can have
Speaker 2: insurance for absolutely everything except for that one thing. So
Speaker 2: from my perspective as a financial advisor, I would recommend
Speaker 2: getting another opinion or even talking to our friend Phil
Speaker 2: Feel from sky Wealth, which will link in the show notes. Actually,
Speaker 2: because Phil is an insurance specialist and he has been
Speaker 2: doing all of our ses on the money insurances. When
Speaker 2: you guys feel in the form on our website and
Speaker 2: say I want to talk to someone to sort out
Speaker 2: my IP, Phil is the one that we usually send
Speaker 2: you to. So Phil would be able to have a
Speaker 2: chat with you about what your options are and why
Speaker 2: you were potentially declined. But from my perspective, I would
Speaker 2: be getting another opinion.
Speaker 3: Yeah, So for our friends with autoimmune diseases or bung
Speaker 3: knees or anything that might give them an exclusion. We've
Speaker 3: spoken before about mental health being a big one. If
Speaker 3: there a step that we could take to protect ourselves
Speaker 3: in the sense of, you know, if that particular thing
Speaker 3: becomes an issue, because obviously our listener is trying to
Speaker 3: put herself in the best position, and of course we
Speaker 3: hope that your autoimmune disease is never going to become
Speaker 3: overwhelming or become an overarching problem. Should that happen, are
Speaker 3: there other options of things that she could maybe look
Speaker 3: into to protect herself in that instance.
Speaker 2: So, because the condition already exists, you're kind of in
Speaker 2: a rock and a hard place because from my perspective,
Speaker 2: an insurer isn't going to want to ensure you for
Speaker 2: that condition. So I would be making sure that everything
Speaker 2: else is set up so that you are okay and
Speaker 2: you have good emergency funds and all of that. But
Speaker 2: this is why Jess I am so passionate about getting
Speaker 2: insurance early, because if she had gotten insurance earlier, before
Speaker 2: this had even come up, she would have been covered
Speaker 2: for it. And a lot of things actually come up
Speaker 2: as we get older, so you might not have that
Speaker 2: at twenty when you have your first full time income,
Speaker 2: and you might go, what's the point of income protection.
Speaker 2: The point is to get a policy that doesn't have
Speaker 2: any exclusions so that you're looking after future you. But
Speaker 2: there's actually not a whole heap that you can do
Speaker 2: personally when it comes to getting cover for a pre
Speaker 2: existing condition. It's like health insurance. If you've already had
Speaker 2: a cancer, they're not going to cover you for that
Speaker 2: particular cancer because the probability of you having to claim
Speaker 2: is crazy. It's really frustrating. But guys, this is why
Speaker 2: I want you to prioritize getting insurance early. But the
Speaker 2: second thing Jess and I cannot believe I didn't say
Speaker 2: this before, is check your superanuation. There are insurances inside
Speaker 2: your superranuation, and if you have a default policy, it
Speaker 2: is very probable that that policy doesn't have any exclusions
Speaker 2: on it. So what you're going to do is it
Speaker 2: going to work out what that policy is and how
Speaker 2: it works and what benefit it is to you, And
Speaker 2: you're going to talk to a financial advisor that can
Speaker 2: help you understand what's going on, because it does become
Speaker 2: a bit of a balancing act when you have a
Speaker 2: medical condition that might give you an exclusion on a policy,
Speaker 2: and that might mean you go down a hybrid model
Speaker 2: of having your income protection with an exclusion on it
Speaker 2: from one place, but then also retaining maybe an income
Speaker 2: protection policy inside Super that's not as good and you know,
Speaker 2: not that great, and it might be cheap, and it
Speaker 2: might only have a payout time of like two years
Speaker 2: or something. So from my perspective as a financial advisor,
Speaker 2: I'd be like, if you were a clean skin, i e.
Speaker 2: Somebody who had absolutely nothing wrong with them, yes I
Speaker 2: would replace it with a quote better policy. But because
Speaker 2: it has no exclusions, it's very likely that I might say,
Speaker 2: but Jess, keep that one as well, because if anything
Speaker 2: happens with your knee, that is the policy we will
Speaker 2: claim on because you aren't going to get into any
Speaker 2: trouble with it. So this is why we need to
Speaker 2: be so careful with the insurances inside our Super, not
Speaker 2: just jump on the super website and roll them all
Speaker 2: together and be like whatever, it doesn't matter, because it does,
Speaker 2: especially as things come up as we get a bit older.
Speaker 3: Yeah, so in that case, something is better than nothing.
Speaker 3: Have your emergency fund in place if you can't get
Speaker 3: that insurance. Talk to an expert, get them to help
Speaker 3: sort you out wherever possible. If you can't get that
Speaker 3: insurance policy, which does happen, and it's really unfortunate. Look
Speaker 3: after your emergency funds. Make sure you've done everything to
Speaker 3: set yourself up so you've got a nice cushion should
Speaker 3: you need it.
Speaker 2: Yeah, And I think it's quite unknown, right, So we
Speaker 2: talk on this podcast about the importance of income protection
Speaker 2: and the importance of insurance, but I think something that's
Speaker 2: relatively unknown is that there are people that insurance companies
Speaker 2: aren't going to want to ensure it all. Yeah, So there
Speaker 2: are people who might have and I'm not saying this
Speaker 2: is a bad thing, but people who have multiple serious
Speaker 2: medical conditions going on are a very big risk to
Speaker 2: insurers of claiming and therefore a lot of insurers also sorry,
Speaker 2: I'm not going to ensure you. So there are some
Speaker 2: people that I have met and I have had to
Speaker 2: deliver the news to that Unfortunately, I can't find a
Speaker 2: policy where someone's actually going to ensure you. It's just
Speaker 2: a no go. And that is true for some careers.
Speaker 2: So for example, and this is a very recent example,
Speaker 2: because I have a client who is an air traffic controller.
Speaker 2: If you're an air traffic controller, you won't get income
Speaker 2: protection in Australia. Nobody will cover you. Why it's too
Speaker 2: high risk job in what way? I don't know, because
Speaker 2: from my understanding, an air traffic controller sits in the
Speaker 2: control tower and doesn't actually go in the sky. But
Speaker 2: that is too riskier of a job to be covered.
Speaker 2: And there are lots of jobs like that where insurance
Speaker 2: companies are going to be like nop, sorry, George, too
Speaker 2: risky working at Shees on the money. That woman's crazy, No,
Speaker 2: but it is quite serious. There are careers that aren't
Speaker 2: going to get income protection, which is why it's really
Speaker 2: important to check your superannuation again because sometimes they would
Speaker 2: have given it to you via default, which is very helpful.
Speaker 2: But there are also times when you might have had
Speaker 2: too many medical conditions, or you know, if you've gone
Speaker 2: through a whole heap of mental health issues and then
Speaker 2: physical health issues and you just haven't gotten out the
Speaker 2: other side of it yet, they might go absolutely not,
Speaker 2: we're not ensuring you. But the important thing is to
Speaker 2: get advice so you know what the action plan is.
Speaker 2: So my client who's an air traffic controller yes, we
Speaker 2: can't have income protection, but we've done a whole heap
Speaker 2: of planning on the flip side to make sure that
Speaker 2: they do have as much protection as we can afford
Speaker 2: them at this point in time, which means they have
Speaker 2: increased other policies and we've worked out different amounts of
Speaker 2: emergency funds that they'd be comfortable with because they just
Speaker 2: don't have access to that where most of my clients do.
Speaker 2: So I think it's really important and I know that
Speaker 2: you guys are going to be like bah, but we
Speaker 2: can just do it ourselves. A policy through a financial
Speaker 2: advisor is going to be so much more thought out,
Speaker 2: like at the end of the day, turns out that's
Speaker 2: what we do twenty four to seven. We leave it,
Speaker 2: we breathe it, we have been through it. I know
Speaker 2: who to call if I'm not sure about whether you're
Speaker 2: going to get a C or not. I know what
Speaker 2: to talk to you about and what your priorities are, like,
Speaker 2: go talk to Phil from Skywealth. I can't do it
Speaker 2: at this point in time. Sorry, guys.
Speaker 3: One last question before we scoot off. You used a
Speaker 3: term before that I'm just not familiar with. You said,
Speaker 3: clean skin.
Speaker 2: Oh yeah, So in the financial advice world, a clean skin,
Speaker 2: which I shouldn't even be using on the podcast, is
Speaker 2: essentially somebody who, if you applied to an insurance company
Speaker 2: with would have absolutely no exclusions and slides straight into
Speaker 2: getting full income protection, full insurances with no questions. It
Speaker 2: would be somebody who has an incredibly clean medical history,
Speaker 2: nothing's ever gone wrong, there's no genetic issues in the background,
Speaker 2: because when you do go for income protection, guys, they're
Speaker 2: gonna say, have your parents had any kind of issues?
Speaker 2: Has anything gone on? So a clean skin is somebody
Speaker 2: who is essentially a dream client for a financial advisor
Speaker 2: when it comes to insurance because they have nothing that
Speaker 2: an insurance company would go little red flag? Can we
Speaker 2: talk about? Interesting in saying that, guys, I think we're
Speaker 2: done here. We've talked about clean skins, We've talked about
Speaker 2: the Tinder swindler of red flags, We've given some dating advice,
Speaker 2: we've talked about income protection. Like, I just feel like
Speaker 2: this episode we're done. What do you guys? Reckon? Yeah,
Speaker 2: ready to roll? It's think Yeah, I feel like this
Speaker 2: is a pretty good episode. If you don't ask me anyway,
Speaker 2: it is time to go. So just before we head off,
Speaker 2: we'd like to acknowledge and pay respect to Australia's Aboriginal
Speaker 2: and Torres Right Islander people's. They're the traditional custodians of
Speaker 2: the lands, the waterways and the skies all across Australia.
Speaker 2: We thank you for sharing and for caring for the
Speaker 2: land on which we are able to learn. We pay
Speaker 2: respects to elders past and present, and we share our
Speaker 2: friendship and our kindness and the advice sheed on.
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Speaker 2: We'll get to the point where that rolls off your
Speaker 2: tongue again. Drink it was okay, Sorry, sorry, see you
Speaker 2: next week. Guys.
Speaker 4: Hi, guys,