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Speaker 1: Come on air and I have radio.

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Speaker 2: She's on The Money Radio Show.

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Speaker 3: With Victoria Divine starts now, Hello and welcome to that.

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Speaker 3: She's on the Money Radio Show podcast, the podcast Millennials

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Speaker 3: who want Financial Freedom?

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Speaker 2: I love that for us. You did that perfectly this week.

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Speaker 2: Well done, my friend.

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Speaker 4: Maybe trad they said if we said if you screwed

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Speaker 4: it up, it was my job.

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Speaker 5: But I guess you keep it.

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Speaker 6: That's how I roll po po. Hey, Hey, guess what

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Speaker 6: this week?

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Speaker 5: Guys? Just what we're talking about?

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Speaker 2: What are we talking to?

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Speaker 5: Toria's hen's nae?

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Speaker 6: Because oh we are?

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Speaker 2: Indeed.

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Speaker 1: Do you know the best thing about this?

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Speaker 5: Right?

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Speaker 3: I love the podcast intro because in the radio show

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Speaker 3: we got to be all nice and fancy and above board,

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Speaker 3: but we actually didn't get into any details.

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Speaker 1: Victoria, So yeah, tell us the dirty stull what happened, mate,

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Speaker 1: just for our podcast community.

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Speaker 7: Look, it wasn't as spicy as you guys think it was. Sure, No, no,

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Speaker 7: no really because I said to my girlfriends like, if

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Speaker 7: you get a stripper, I will literally go and sit

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Speaker 7: in my car and cry, absolutely not happening.

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Speaker 2: I would be so uncomfortable with that.

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Speaker 3: Can I just say though? And this isn't me trying

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Speaker 3: to win any brownie points?

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Speaker 1: Whatever?

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Speaker 3: The older I get like strippers. No, I just think

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Speaker 3: to myself, I've been to.

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Speaker 2: Lots of Hen's parties with them. I've got no problem

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Speaker 2: with them.

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Speaker 7: But the idea of me being the center of attention

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Speaker 7: in that situation, it's just not me.

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Speaker 3: Yeah, I just don't know, like this is going to

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Speaker 3: sounds like it's going down like a serious path here.

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Speaker 3: But if I'm getting married, my wife is the most

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Speaker 3: beautiful woman in the world, Like, why would I want

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Speaker 3: to look at somebody else?

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Speaker 1: You know what I mean?

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Speaker 2: That's really cute. That's I wish you go to Steven

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Speaker 2: let him know.

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Speaker 3: All right, Steve, let's go have a cheeky whiskey in

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Speaker 3: a chat and we'll go to some strippers just to

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Speaker 3: show you.

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Speaker 1: Why they're bad.

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Speaker 3: No, I'm joking, No, tell us somebody.

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Speaker 7: So we went down the Mornington Peninsula. We had the

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Speaker 7: Hens party Imports here, which is where we fancy. We

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Speaker 7: didn't own the property. I just there be and beat it.

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Speaker 2: Really nice venue.

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Speaker 7: It was tennis themed, so it was wimbled in the

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Speaker 7: themed so everyone wore their tennis whites.

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Speaker 3: Can I just stop you, right, there because I love

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Speaker 3: you so much, Victoria Devine. You're one of my favorite

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Speaker 3: people in this world. But then you broke my heart.

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Speaker 3: How because you're wearing white crocs.

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Speaker 7: Mate, Oh my gosh, they are the best things that's

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Speaker 7: ever happened to me.

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Speaker 6: How elite.

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Speaker 2: I will not be canceled.

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Speaker 7: Crocs are Look, tell me they're not the most practical

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Speaker 7: shoe in the world.

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Speaker 2: You can slip them on.

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Speaker 7: You can go to the cafe sports mode activated, you

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Speaker 7: flip the thing back, pop your shoeing. You could run

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Speaker 7: a marathon in a pair of crocs. I will not

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Speaker 7: hear you trying to cancel them again.

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Speaker 3: You can do all of those amazing things. But then

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Speaker 3: you turn into an old person that nobody likes.

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Speaker 7: Okay, well I don't particularly care because I'm not here

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Speaker 7: to people, please, I'm here for comfort. And do you

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Speaker 7: know those giblet things got some gym so they're like

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Speaker 7: the decorations for your cross.

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Speaker 2: And I got a little tennis ball.

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Speaker 4: To put on. Its embarrassing, like a chicken called a gibble.

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Speaker 4: It's what my auntie Norma has on underneath.

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Speaker 2: Yeah, let's move on, let's move.

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Speaker 4: I know you get married, but don't let go just yet,

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Speaker 4: Victoria Devine, you've got book covers to be on Giblitz.

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Speaker 7: No, I never want to be on my book cover.

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Speaker 7: I was really specific about that. When we were doing

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Speaker 7: like the design, I was like, do not put me on.

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Speaker 2: The cover of my book.

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Speaker 7: That is not me at all, which is why our

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Speaker 7: book is peachy and our new one.

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Speaker 2: Is the very beautiful pistachio green.

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Speaker 7: Speaking of the book though, before I let you guys

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Speaker 7: get into the actual radio show, we've got a book

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Speaker 7: event coming up. We have an entire book tour coming up.

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Speaker 7: Has been Yeah, it's being announced now, guys.

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Speaker 2: I haven't told anybody.

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Speaker 5: We need some music.

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Speaker 2: Come September.

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Speaker 7: I am touring Melbourne, Sydney and Brisbane. We have epic

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Speaker 7: events coming, epic goodie bags, epic people cough. You guys

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Speaker 7: are going to be there. You're going to do some

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Speaker 7: live pod recordings. Our live podcast recording went so well.

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Speaker 7: But we're touring with Fame, guys. I'm so excited. Same

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Speaker 7: people who Britten Laura from Life touring with Have I

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Speaker 7: made it?

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Speaker 6: What I thought?

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Speaker 1: You said? With Fame, like.

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Speaker 7: Shane s an E, they're the guys that throw good

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Speaker 7: at it, they said, are doing.

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Speaker 5: The same thing with the same group.

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Speaker 7: Great, Yeah they're epic. So now I'm as cool as Britain.

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Speaker 7: Laura maybe maybe, maybe.

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Speaker 4: Laura are a ver I've been in Barley with those girls.

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Speaker 4: They drink a margarita like no one else. Actually, actually,

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Speaker 4: just Bruce dry your high Actually, so all Allura was

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Speaker 4: like on the waters and what about the Barley eyes It.

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Speaker 2: Was absolutely not. Yeah, they're much cooler than me.

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Speaker 6: I don't wear crocs, wear crocs, not.

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Speaker 2: Going to fit in, even want to fit in.

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Speaker 7: But check out the shees on the Money website if

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Speaker 7: you want more information on that. There is now an

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Speaker 7: entire page dedicated to it. So if you want to

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Speaker 7: come hang out with us in September, we'll be there

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Speaker 7: with bells on.

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Speaker 3: But if you want to check out some amazing money tips,

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Speaker 3: not only how you can distribute and say from your

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Speaker 3: hens or bucks if you're about to plan one, if

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Speaker 3: you are also looking at IVF a little cheeky tip

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Speaker 3: you might not know about that you can pay it

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Speaker 3: with and we threw it out there to ow She's

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Speaker 3: on the Money Radio community for the show to give

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Speaker 3: us some super Saber Saturday staky tips and they bloody delivered, Mitch,

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Speaker 3: you did.

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Speaker 2: Not yea, yours was a terrible tip.

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Speaker 6: Can we don't shame me on my show?

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Speaker 5: Thank you very much.

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Speaker 7: We listened to it because we wanted to be kind,

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Speaker 7: we wanted to include you, but I mean it was

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Speaker 7: kind of.

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Speaker 1: Trash group decision. Never let me.

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Speaker 6: I'm going I'm going to get a coffee, all right,

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Speaker 6: I love you.

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Speaker 3: She's on the Money radio show starts right now. Guess what,

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Speaker 3: Cyndi Lauper was right when she said.

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Speaker 2: Girls just want to have fun.

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Speaker 4: They it's all they want. It's all I want as well.

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Speaker 4: Cindy opposition Mitch as well because she.

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Speaker 2: Got it wrong. No one wants fun. They all want funds.

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Speaker 4: Oh my god, hold on, sorry, I know we're going

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Speaker 4: to talk about your hands part of Victoria.

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Speaker 5: There's a song parody in that for you. Girls just

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Speaker 5: want to have funds.

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Speaker 6: Make that now, girls just want yes?

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Speaker 1: All right?

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Speaker 3: Your Hen's weekend last week, Victoria. We know all the

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Speaker 3: juicy gossip been here, you told us off here before.

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Speaker 3: But for everyone listening, what happened.

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Speaker 7: Look, we had a pretty good weekend, went down the

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Speaker 7: coast with a bunch of my closest to girlfriends. We

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Speaker 7: actually hired a house, so I ended up paying for

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Speaker 7: that one.

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Speaker 2: Not a bad thing.

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Speaker 7: I just really wanted to contribute to my own hens

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Speaker 7: because I knew that these things can blow out of

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Speaker 7: proportion pretty quickly. So I had to chat with my

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Speaker 7: bridesmaids and said, this is what I want to do.

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Speaker 7: This is how it's going to work. They weren't that

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Speaker 7: happy with it, to begin to what.

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Speaker 4: Traditionally bridesmaids organized the hens for the bride.

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Speaker 7: Yeah, yeah, so bridesmaids like organize it all and it's

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Speaker 7: meant to be one hundred percent of surprise. I was

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Speaker 7: very aware that these things add up very quickly because

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Speaker 7: I've been to a few hens in my day. I'm

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Speaker 7: at that age where every man and his dog is

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Speaker 7: getting marriedcy.

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Speaker 2: Yeah, look, Lucy's an ex. She's currently single.

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Speaker 7: For any puppies at the dog park who want intro, yeah,

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Speaker 7: she's into goodles.

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Speaker 6: So just to hit so you trap so that.

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Speaker 5: The tea hang on.

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Speaker 2: You didn't say no, I said grued or yeah.

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Speaker 7: But I paid for the house purely because I said, look,

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Speaker 7: this is what I want to contribute to it, because

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Speaker 7: I just don't want the cost getting out of control

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Speaker 7: for everybody else coming. I'm very aware that everybody that

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Speaker 7: was coming to my hands was in a very different

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Speaker 7: financial circumstance. Like some of my friends are single, some

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Speaker 7: of them are married with kids, some of them have

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Speaker 7: just bought houses, some are.

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Speaker 2: Saving home deposits.

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Speaker 7: Like I just hate the idea that it would be

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Speaker 7: astronomical to celebrate me.

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Speaker 6: It's also awkward to ask. Do you ask your friends?

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Speaker 5: Do you say you have to?

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Speaker 4: Is it that awkward thing where you just send a

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Speaker 4: Facebook messenger with your bsban account number, Like, it's a

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Speaker 4: very awkward thing to do.

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Speaker 7: Yeah, So the girls did still contribute, and that wasn't

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Speaker 7: organized by me.

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Speaker 2: So my girlfriends organized the.

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Speaker 7: Party and the alcohol and the food and the topless waiter,

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Speaker 7: all without me, which I'm very grateful for. But I

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Speaker 7: think this opens up a bigger conversation around who is

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Speaker 7: meant to carry that burden, because you guys would know

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Speaker 7: parties get out of control pretty quickly. Hiring someone to

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Speaker 7: come as entertainment, then food and alcohol you're looking at

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Speaker 7: like at least a couple of hundred dollars ahead. Let alone,

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Speaker 7: if you wanted to go away for the weekend, then

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Speaker 7: there's accommodation and everything on top of that, and I

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Speaker 7: just think it's really unrealistic to expect your wedding guests

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Speaker 7: to pay for that, because.

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Speaker 6: Well, here's the thing.

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Speaker 4: According to retail Me not Right, which is a website

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Speaker 4: in the US, apparently one hundred and eighty Australian dollars

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Speaker 4: is what a guest can expect to pay at a

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Speaker 4: bachelorette party.

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Speaker 5: One hundred and eighties.

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Speaker 7: See, I feel like that is so, so, so much money.

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Speaker 7: And then on top of that, if we go with

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Speaker 7: what tradition says according to Vogue, each guest obviously pays

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Speaker 7: for themselves, but they're meant to cover the cost of

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Speaker 7: the brighte, so like that would be that's fair, though.

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Speaker 5: It's your celebration.

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Speaker 4: If one of my best friends is getting married, I'd

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Speaker 4: chuck in one hundred bucks or fifty bucks.

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Speaker 8: So I get it.

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Speaker 7: I totally get it, and I'm on exactly the same page.

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Speaker 7: But we are both in a very privileged position where

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Speaker 7: we can afford that it's within our budgets. What if

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Speaker 7: your best friend's getting married and you're up to your

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Speaker 7: eyeballs in credit card debt, like that could actually give

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Speaker 7: you mad anxiety to have to pay for something that

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Speaker 7: maybe you hadn't anticipated.

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Speaker 1: Have you ever been like a maid of honor?

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Speaker 7: I have, I have, And it's a lot of pressure, responsibility.

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Speaker 3: See I've been a best man three times, low key

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Speaker 3: flex there from me.

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Speaker 2: You have, so I've only done it once.

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Speaker 3: But you must be popular. No, always the bride's maid,

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Speaker 3: never the bride.

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Speaker 2: Right, Well, that's on you, bab that's on.

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Speaker 1: The worst thing you think it is a meeting. I'll

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Speaker 1: cop that.

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Speaker 3: But the best man always cops the hit as well,

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Speaker 3: because you sit there and you organize the bachelor party

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Speaker 3: and there might be say fifty people on the list

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Speaker 3: that go, and they're all like, yep, I'm in, I'm in.

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Speaker 3: So you go and you book the accommodation, you book everything,

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Speaker 3: the entertainment. Then one by one people start dropping off,

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Speaker 3: dropping off, dropping off. And I've actually paid three to

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Speaker 3: four thousand bucks out of my own pocket because I've

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Speaker 3: had to pay for everything and people just haven't come.

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Speaker 2: That is ridiculous.

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Speaker 7: And see that's a burden that I don't I think

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Speaker 7: anyone should have to carry.

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Speaker 2: But it's a part of the process.

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Speaker 7: And then I don't know, it just makes me feel

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Speaker 7: uncomfortable because I just hate other people being financially compromised

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Speaker 7: because of me.

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Speaker 3: Right now, Victoria Devine, your HENS weekend, last weekend, girls

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Speaker 3: just want to do what.

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Speaker 2: Have funds? They want to have fun.

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Speaker 6: You've got to sing it, Victoria, I'm.

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Speaker 2: Not going to sing it. You guys do not pay

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Speaker 2: me enough. Absolutely not.

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Speaker 3: So with your HENS weekends, you hide yourself in Airbnb

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Speaker 3: down the coast. You had a lot of entertainment, a

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Speaker 3: lot of activities. Now that can cost a lot of money.

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Speaker 3: So we're wondering on thirty one O six five, what

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Speaker 3: have you had to do either for your HENS or

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Speaker 3: your bucks and how much did it end up costing you? Emily,

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Speaker 3: you wanted some advice.

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Speaker 8: Yeah, that's all right, guys.

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Speaker 2: It's not what we anticipated. But like we're here, what

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Speaker 2: do you want to know? Emily.

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Speaker 8: I'm a little bit in a sort of stick situation

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Speaker 8: because I am the chosen bridesmaids are made of honor,

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Speaker 8: and my beautiful, beautiful best mate she's getting married. But

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Speaker 8: I've been asked to organize the hen's party and the

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Speaker 8: bridle shower and things like that. But I'm really awkward

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Speaker 8: with asking about money because part of me just wants

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Speaker 8: to lay it on sick, but I also like, I

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Speaker 8: can't afford it, and so I want to make sure

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Speaker 8: that this day is perfect for her, especially the Hen's party.

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Speaker 8: But I kind of need some help with the mulla.

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Speaker 7: So it's hard, right, and it's awkward asking people for

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Speaker 7: cash before you've organized it because you're like, all right,

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Speaker 7: like I've done the budget, I need, you know, maybe

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Speaker 7: one hundred bucks from each of you so I can

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Speaker 7: go and organize this. Like there's a lot of organizing,

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Speaker 7: but I would honestly start with a spreadsheet, break down

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Speaker 7: what you want to do as many of the things

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Speaker 7: DIY as possible. Obviously it's time consuming though, so I

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Speaker 7: can understand if you want to outsource some of it.

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Speaker 7: But from my perspective, I go, all right, what can

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Speaker 7: we do and where can we do it? Think think

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Speaker 7: venue needs to come first, because that's arguably going to

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Speaker 7: be one of your biggest costs because either you're going

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Speaker 7: to have to pay for food and beverage, or you

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Speaker 7: might have an airbnb, or you might get away with

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Speaker 7: having it at someone's house, which could be a bit

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Speaker 7: of a money win because then there's maybe no cost.

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Speaker 7: But I would actually sit down with the bride and say, well, actually,

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Speaker 7: I want this to be amazing. I want you to

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Speaker 7: have a really good time. What are your expectations so

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Speaker 7: that you can manage that along the way, because there

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Speaker 7: would be nothing worse than her expecting you to basically

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Speaker 7: create a circus for her. And then she gets there

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Speaker 7: and she's like, oh, this is not what I thought

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Speaker 7: it would be.

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Speaker 2: So the money part hate for that to happen exactly.

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Speaker 7: But it's more around like, well, what do you want

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Speaker 7: to do and how can we make that happen? And

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Speaker 7: I think there's nothing more beautiful than the thought, And

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Speaker 7: genuinely it's the thought that counts. And I was talking

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Speaker 7: to my bridesmaids about this, and you know what had

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Speaker 7: happened at other HENS parties. Honestly the most meaningful things

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Speaker 7: that I think you could do, And having had my

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Speaker 7: HENS literally last weekend, it's all the small things. It's

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Speaker 7: the fact that my friends reached out to my fiance

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Speaker 7: and got him to answer all these questions and then

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Speaker 7: we had games based around what he had answered and

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Speaker 7: whether I could answer the same question with the same response,

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Speaker 7: and just things that are quite meaningful don't need to

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Speaker 7: cost a lot of money, So I think if you

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Speaker 7: do a heap of googling of like free hens activities

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Speaker 7: and jam pack the day and then maybe pick one

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Speaker 7: hero activity that you go all right, well, this is

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Speaker 7: where we're going to allocate the funds too.

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Speaker 4: Well, can I hate to kill the vibe I've just

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Speaker 4: searched on Amazon you can get Pin the Penis on

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Speaker 4: the Man for four dollars on Amazon.

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Speaker 2: It's a fundation money weird that is so affordable.

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Speaker 6: And such a fun game for families and children.

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Speaker 5: I mean four bucks, come on.

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Speaker 2: Yeah, Look, I feel like all of those things are

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Speaker 2: really fun.

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Speaker 7: But for me, it was really about feeling as though

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Speaker 7: my friends had put the time, energy and effort into it,

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Speaker 7: and they absolutely had, And it was more about me

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Speaker 7: being surrounded by my favorite people. And I think that

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Speaker 7: that's where for me it meant the most. It wasn't

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Speaker 7: actually about, oh my gosh, we went to the most

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Speaker 7: expensive hotel.

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Speaker 2: Because we didn't.

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Speaker 7: We actually ended up going out to the pub for

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Speaker 7: dinner because that's what the budget allowed.

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Speaker 2: We ended up having.

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Speaker 7: Some pizzas and some hot chips and a few drinks,

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Speaker 7: and I thought that was perfect.

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Speaker 8: G you know what, that's perfect By the sounds Pinterest

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Speaker 8: is going to be my best mate.

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Speaker 7: Oh, Pinterest, Absolutely, there's so many good diis.

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Speaker 2: Also.

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Speaker 7: The other thing that I think can bring down the

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Speaker 7: cost of a HENS is not expecting everybody to do

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Speaker 7: every activity. It might be a little bit more of

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Speaker 7: a run around. I know, the organization part sucks. We're

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Speaker 7: going back to our spreadsheet here. For example, my girlfriends

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Speaker 7: took me to the spa in the morning, but only

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Speaker 7: a handful of them came and the rest of them

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Speaker 7: turned up later in the day. But I think it

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Speaker 7: can be a really meaningful day without you having to

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Speaker 7: throw thousands of dollars at it, because I think that's ridiculous.

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Speaker 3: All right, if you got yourself a little bit of

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Speaker 3: a money dilemma, you're struggling with your cash flow, you

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Speaker 3: got yourself into a little bit of a situation, maybe

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Speaker 3: you need of advice. Hit us up anytime on socials.

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Speaker 3: Just search Sheese on the money, just like Simon has done.

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Speaker 3: She wants some advice on how to pay for IVF

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Speaker 3: using super Okay, we're going to go from Hen's Nights

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Speaker 3: to IVF.

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Speaker 1: I like what we're doing here.

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Speaker 7: I feel like it's diverse, it's different, but you know,

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Speaker 7: what the common theme here is all of it's really expensive.

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Speaker 1: Yep, this is.

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Speaker 6: She's on the Money radio show.

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Speaker 3: If you want your money dilemma solved, well then you've

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Speaker 3: come to the right.

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Speaker 6: Place, right.

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Speaker 4: So every week we do a money dilemma. It's when

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Speaker 4: we bring someone's financial story on air to get Victoria's

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Speaker 4: advice on.

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Speaker 5: What they should do.

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Speaker 4: So Simone send us a DM about paying for IVF

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Speaker 4: using superannuation. So she says, Hi, v my husband and

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Speaker 4: I are looking at going down the path of IVF

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Speaker 4: as we haven't been able to fell pregnant naturally. Obviously,

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Speaker 4: it's an expensive process and I've heard you can pay

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Speaker 4: for it out of your superannuation. Between us, we have

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Speaker 4: a total combined income of one hundred and sixty thousand

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Speaker 4: dollars a year. She wants to know, is it a

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Speaker 4: bad time because of the economy and can you actually

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Speaker 4: dip into your super and take money out?

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Speaker 7: Yes, you absolutely can take money out of your superannuation

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Speaker 7: to pay for IVF, which I actually don't think a

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Speaker 7: lot of people know because it's not something like I am.

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Speaker 7: I would say young, I'm in my thirties, I'm a

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Speaker 7: young female and a lot of my friends are. Now,

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Speaker 7: this is weird, guys getting pregnant on purpose, And this

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Speaker 7: is not something I've incurred before, because historically when my

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Speaker 7: friends got pregnant, you'd kind of like side eye them

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Speaker 7: and be like, are we excited about this?

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Speaker 1: How are we reacting about the Yeah?

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Speaker 2: How are you reacting about this?

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Speaker 7: And that's actually my default still, I don't mean it,

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Speaker 7: but Trav, if you were like, I'm expecting a baby,

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Speaker 7: I'd be like, oh, are we excited about this?

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Speaker 5: Or no?

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Speaker 8: Yes?

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Speaker 5: I mean yeah, yeah.

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Speaker 7: But nowadays my friends are on purpose getting pregnant, and

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Speaker 7: if they can't get pregnant, they're looking at alternatives like

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Speaker 7: IVF and IUI to actually facilitate that process, which is

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Speaker 7: arguably incredibly expensive.

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Speaker 2: But because all of us have been.

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Speaker 7: Trying not to get pregnant for so long, none of

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Speaker 7: us know how to actually get pregnant and what it

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Speaker 7: might cost.

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Speaker 1: Right, I think we know how to get pregnant.

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Speaker 7: Mate, But like I would have historically no idea when

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Speaker 7: it came to IVF because it's not something that's ever

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Speaker 7: been in my circle. And you only come into IVF

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Speaker 7: when you find yourself in a little bit of a

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Speaker 7: pickle where you.

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Speaker 2: Come to get pregnant.

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Speaker 6: There's not just one way to get pregnant, but twenty

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Speaker 6: twenty two, you know.

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Speaker 3: Yeah, And the thing is a good friend of mine.

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Speaker 3: I was having a chat to him about this because

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Speaker 3: he's going through his third bout of IVF, and we

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Speaker 3: just sat there and thought, all those years where you

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Speaker 3: know you're trying to be careful, and now it's costing

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Speaker 3: him over thirty thousand dollars just to try to do it.

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Speaker 1: He could have been gone wild.

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Speaker 7: It is actually crazy, like as women and I talk

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Speaker 7: to my girlfriends about this all the time. We have

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Speaker 7: spent our entire lives on birth control and talking about

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Speaker 7: contraception and avoiding getting pregnant so much so that when

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Speaker 7: the narrative flips and you want to get pregnant, you're like,

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Speaker 7: hold on, what do I have to do to put

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Speaker 7: my body in the best possible position? And to me

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Speaker 7: it sounds wild. But let's get back to IVF. So yes,

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Speaker 7: IVF is a very significant financial and it's one that

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Speaker 7: a lot of us don't plan for because, as I said,

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Speaker 7: you don't really know that you're going to need it

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Speaker 7: until you need it.

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Speaker 2: Because we don't think Australia.

449
00:18:07,160 --> 00:18:10,479
Speaker 7: Talk about fertility as early on as I believe we should.

450
00:18:10,960 --> 00:18:14,320
Speaker 7: Each round of IVF in Australia costs about ten thousand

451
00:18:14,359 --> 00:18:17,199
Speaker 7: dollars depending on where you're going. Some of it is

452
00:18:17,280 --> 00:18:19,600
Speaker 7: covered by Medicare, but not all of it, and it

453
00:18:19,640 --> 00:18:23,720
Speaker 7: really depends on what institution or hospital you go through

454
00:18:23,800 --> 00:18:26,040
Speaker 7: as to what it costs. And I think my number

455
00:18:26,080 --> 00:18:29,040
Speaker 7: one tip would be shop around and go to different

456
00:18:29,080 --> 00:18:32,560
Speaker 7: places and ask them what their fees are, because I

457
00:18:32,640 --> 00:18:35,679
Speaker 7: have seen it as expensive as seventeen thousand dollars arount

458
00:18:36,200 --> 00:18:38,200
Speaker 7: and I've seen it as low as like maybe six

459
00:18:38,240 --> 00:18:41,199
Speaker 7: thousand dollars around depending on the support available if you

460
00:18:41,200 --> 00:18:44,040
Speaker 7: go to one, no, No, no, All in Australia, All

461
00:18:44,040 --> 00:18:47,439
Speaker 7: in Australia. But it is really, you know, wild that

462
00:18:47,600 --> 00:18:50,920
Speaker 7: it's so varied. But if you're in a situation where

463
00:18:50,960 --> 00:18:53,119
Speaker 7: you're like, you know what, I really want to get pregnant.

464
00:18:53,160 --> 00:18:55,879
Speaker 7: We just don't have, you know, ten grand per round

465
00:18:56,280 --> 00:18:58,879
Speaker 7: sitting in our bank account to pay for this. You

466
00:18:58,960 --> 00:19:01,800
Speaker 7: can actually apply for early access to your super for

467
00:19:01,880 --> 00:19:03,080
Speaker 7: IVF treatments.

468
00:19:02,760 --> 00:19:04,160
Speaker 6: Which I think that's really cool.

469
00:19:04,520 --> 00:19:06,840
Speaker 7: So what happens is you sort it, you go to

470
00:19:06,920 --> 00:19:10,679
Speaker 7: your Supranuation Fund, and you're actually looking for an early

471
00:19:10,760 --> 00:19:15,200
Speaker 7: access to superranuation under what they call compassionate grounds. So

472
00:19:15,440 --> 00:19:18,520
Speaker 7: this would be for things, according to the ATO, that

473
00:19:18,760 --> 00:19:21,680
Speaker 7: need to meet a certain criteria. Right, so it either

474
00:19:21,720 --> 00:19:24,080
Speaker 7: needs to be a life threatening illness or injury, an

475
00:19:24,119 --> 00:19:28,640
Speaker 7: acute or chronic pain, or an acute or chronic mental illness.

476
00:19:29,040 --> 00:19:32,639
Speaker 7: So thankfully IVF is able to be claimed under the

477
00:19:32,640 --> 00:19:35,600
Speaker 7: Mental Health Provision because if you can show with the

478
00:19:35,600 --> 00:19:38,560
Speaker 7: certification of medical practitioners, So basically you go to your

479
00:19:38,600 --> 00:19:40,600
Speaker 7: GP and get them to sign off on a letter

480
00:19:40,640 --> 00:19:42,960
Speaker 7: saying yep, we can do it, but you can access

481
00:19:43,000 --> 00:19:45,200
Speaker 7: it by going to your GP and saying, hey, can

482
00:19:45,240 --> 00:19:48,440
Speaker 7: you help me access this scheme, and your doctor will

483
00:19:48,480 --> 00:19:51,120
Speaker 7: write a letter that says you are suffering mentally due

484
00:19:51,160 --> 00:19:54,639
Speaker 7: to infertility, and then you may be eligible for early

485
00:19:54,720 --> 00:19:55,520
Speaker 7: release of super.

486
00:19:55,680 --> 00:19:55,880
Speaker 1: Yeah.

487
00:19:56,000 --> 00:19:58,280
Speaker 3: Just remember though, you aren't dipping into your super which

488
00:19:58,320 --> 00:19:59,959
Speaker 3: is actually robbing you later.

489
00:20:00,240 --> 00:20:01,439
Speaker 6: You've got to remember that, right.

490
00:20:01,480 --> 00:20:03,040
Speaker 3: If you've got a question, make sure you hit us

491
00:20:03,119 --> 00:20:05,679
Speaker 3: up on socials. Just search Shees on the Money. But

492
00:20:05,800 --> 00:20:08,119
Speaker 3: coming up next, Victoria, You're going to give some people

493
00:20:08,160 --> 00:20:10,320
Speaker 3: some advice how they can keep some money in their bad.

494
00:20:10,480 --> 00:20:10,920
Speaker 2: I am.

495
00:20:11,040 --> 00:20:13,080
Speaker 7: I've had a bit of a cop out this week, though,

496
00:20:13,119 --> 00:20:16,280
Speaker 7: guys have taken it to my socials and my community

497
00:20:16,400 --> 00:20:18,639
Speaker 7: is going to share their money tips and tricks with

498
00:20:18,760 --> 00:20:20,200
Speaker 7: you guys, and we're going to read them.

499
00:20:20,080 --> 00:20:22,959
Speaker 3: Out live on air right across the country for your

500
00:20:22,960 --> 00:20:25,159
Speaker 3: Saturday morning. It's She's on the Money Radio Show with

501
00:20:25,200 --> 00:20:28,840
Speaker 3: Australia's number one finance podcast of Victoria Devine, Mitch Jury

502
00:20:29,040 --> 00:20:31,840
Speaker 3: in the seed as well. It is our favorite segment

503
00:20:31,880 --> 00:20:33,400
Speaker 3: because it's time to do this.

504
00:20:34,000 --> 00:20:35,400
Speaker 1: Simple save this Saturday.

505
00:20:35,680 --> 00:20:35,880
Speaker 6: Yeah.

506
00:20:35,880 --> 00:20:39,200
Speaker 3: Look, usually each week, Victoria, you give us some sneaky

507
00:20:39,200 --> 00:20:41,200
Speaker 3: tips on how to keep more bucks in our bank account.

508
00:20:41,240 --> 00:20:42,520
Speaker 1: But you've alsourced it.

509
00:20:42,600 --> 00:20:45,080
Speaker 2: I have work smarter, not harder, Trav.

510
00:20:45,280 --> 00:20:47,320
Speaker 3: She's the Money Radio Show, Mantram.

511
00:20:47,440 --> 00:20:47,640
Speaker 2: Yeah.

512
00:20:47,680 --> 00:20:50,480
Speaker 7: Earlier this week I jumped on my socials and said, hey, guys,

513
00:20:50,480 --> 00:20:52,680
Speaker 7: what are your best money saving hacks? Slide into my

514
00:20:52,760 --> 00:20:54,960
Speaker 7: dms and let me know and you might find yourself

515
00:20:54,960 --> 00:20:56,600
Speaker 7: on the show. And that's what a bunch of how

516
00:20:56,640 --> 00:20:58,720
Speaker 7: shees on the Money community are doing so exciting.

517
00:20:58,800 --> 00:21:00,600
Speaker 4: I love it because I actually learned here. This is

518
00:21:00,640 --> 00:21:02,879
Speaker 4: where I get my education on this show in this segment.

519
00:21:02,880 --> 00:21:04,919
Speaker 7: Oh well, you're bringing a money saving hack to the

520
00:21:04,960 --> 00:21:06,320
Speaker 7: table this week, too, aren't you.

521
00:21:06,600 --> 00:21:08,400
Speaker 5: I am Victoria. I beat inflation?

522
00:21:08,600 --> 00:21:11,119
Speaker 2: How'd you beat inflation? Come on, start us off on?

523
00:21:11,240 --> 00:21:11,719
Speaker 2: Good for it?

524
00:21:11,920 --> 00:21:14,960
Speaker 4: I thought, you know what, happy epist et cetera, et cetera.

525
00:21:15,000 --> 00:21:16,879
Speaker 4: I'm going to treat myself to a new pair of

526
00:21:17,080 --> 00:21:18,520
Speaker 4: R M Williams boots.

527
00:21:19,520 --> 00:21:20,320
Speaker 1: Treat yourself, mate.

528
00:21:20,359 --> 00:21:22,639
Speaker 2: That also sounds like a very expensive purchase.

529
00:21:22,680 --> 00:21:23,800
Speaker 1: And when did you buy a farm?

530
00:21:24,080 --> 00:21:24,320
Speaker 2: Yeah?

531
00:21:24,359 --> 00:21:26,480
Speaker 4: So I went to ARM Williams and I went, I

532
00:21:26,520 --> 00:21:29,000
Speaker 4: tried on the shoes, I did the whole experience. It's

533
00:21:29,080 --> 00:21:31,320
Speaker 4: very lux pay for them. Five hundred bucks right for

534
00:21:31,359 --> 00:21:34,919
Speaker 4: a pair of arms, expensive, brand new, so expensive. And I, god,

535
00:21:34,960 --> 00:21:36,480
Speaker 4: that's a lot of money. I was arming an ring.

536
00:21:36,480 --> 00:21:37,520
Speaker 4: Should I do it? Should I buy?

537
00:21:37,600 --> 00:21:39,400
Speaker 5: Yeah, I'll do it anyway. I get home.

538
00:21:39,480 --> 00:21:41,800
Speaker 4: But ten days later I get an email from RM

539
00:21:41,840 --> 00:21:44,040
Speaker 4: Williams and I, oh, I wonder, Oh maybe I left

540
00:21:44,040 --> 00:21:47,160
Speaker 4: something in the store. No, an update on our pricing.

541
00:21:47,480 --> 00:21:50,520
Speaker 4: Due to inflation, we have upped our price by one

542
00:21:50,600 --> 00:21:52,399
Speaker 4: hundred dollars.

543
00:21:52,560 --> 00:21:53,640
Speaker 2: That's so much money.

544
00:21:53,840 --> 00:21:56,480
Speaker 4: Ten days after I paid five hundred, they're now six.

545
00:21:56,560 --> 00:21:58,040
Speaker 5: Baby, I just beat inflation.

546
00:21:58,320 --> 00:21:59,800
Speaker 2: Cachow wait hold on.

547
00:21:59,840 --> 00:22:02,920
Speaker 7: So you're trying to claim that you had a money

548
00:22:02,960 --> 00:22:05,639
Speaker 7: win because a company did something after you bought a

549
00:22:05,680 --> 00:22:06,240
Speaker 7: pair of shoes.

550
00:22:06,359 --> 00:22:07,120
Speaker 5: I've been inflation.

551
00:22:07,240 --> 00:22:08,920
Speaker 3: So what are you trying to say to be able

552
00:22:08,960 --> 00:22:11,600
Speaker 3: to tell the future when and buy just before they

553
00:22:11,680 --> 00:22:12,479
Speaker 3: raise their prices.

554
00:22:12,880 --> 00:22:14,639
Speaker 2: No, no, no, this is my money to Let's go to

555
00:22:14,720 --> 00:22:18,240
Speaker 2: Chanel Trav. I'm all right, might tell me about we

556
00:22:18,240 --> 00:22:19,320
Speaker 2: move on from him.

557
00:22:19,160 --> 00:22:20,800
Speaker 5: That I want to say what he wants.

558
00:22:20,800 --> 00:22:22,640
Speaker 4: I'm saying, if there's something that you really want to buy,

559
00:22:22,680 --> 00:22:24,320
Speaker 4: buy it now, because inflation is coming.

560
00:22:24,520 --> 00:22:29,880
Speaker 7: Absolutely terrible, terrible money tips Trav. Let's turn his mic

561
00:22:29,920 --> 00:22:31,320
Speaker 7: off and we're going to move to what the she's

562
00:22:31,359 --> 00:22:32,800
Speaker 7: on the money this week.

563
00:22:32,960 --> 00:22:34,000
Speaker 1: He's done, he's gone.

564
00:22:33,920 --> 00:22:34,680
Speaker 2: He's canceled.

565
00:22:34,880 --> 00:22:35,199
Speaker 6: All right.

566
00:22:35,320 --> 00:22:36,720
Speaker 2: This one's from Peter m.

567
00:22:36,840 --> 00:22:41,159
Speaker 7: Peter Em says, a prepaid phone plan is much cheaper than.

568
00:22:41,160 --> 00:22:42,560
Speaker 5: Yes, I do a prepaid phone plan.

569
00:22:42,680 --> 00:22:43,959
Speaker 2: Yes, how much cheaper is it?

570
00:22:44,000 --> 00:22:44,080
Speaker 3: Like?

571
00:22:44,119 --> 00:22:44,720
Speaker 2: How much money?

572
00:22:44,800 --> 00:22:47,080
Speaker 4: Sixty five bucks? I get unlimited data and I buy

573
00:22:47,080 --> 00:22:49,080
Speaker 4: my phone outright. It saves me so much money.

574
00:22:49,280 --> 00:22:51,360
Speaker 7: I feel like I need to do this. I used

575
00:22:51,440 --> 00:22:53,600
Speaker 7: to do it, but you can get some really good ones.

576
00:22:53,600 --> 00:22:55,640
Speaker 7: So he said he has amazed him, and he only

577
00:22:55,680 --> 00:22:57,560
Speaker 7: pays eighteen dollars a month.

578
00:22:57,760 --> 00:23:00,960
Speaker 2: Wow, wow, money, we wow your thought of this.

579
00:23:01,280 --> 00:23:03,560
Speaker 4: I pay sixty, but I do buy my phone outright.

580
00:23:03,600 --> 00:23:04,919
Speaker 4: So if you go on a payment plan or you

581
00:23:04,960 --> 00:23:07,199
Speaker 4: buy your phone outright, that's the big upfront cost. But

582
00:23:07,240 --> 00:23:08,880
Speaker 4: then otherwise you are saving month to month.

583
00:23:08,920 --> 00:23:12,080
Speaker 3: Now this definitely isn't sponsored, but Boost I think they do.

584
00:23:12,359 --> 00:23:14,560
Speaker 3: Like unlimited calls and texts and like two hundred and

585
00:23:14,600 --> 00:23:17,240
Speaker 3: eighty gigs of data for three hundred bucks per year.

586
00:23:17,440 --> 00:23:18,600
Speaker 6: But for a year for a year.

587
00:23:18,760 --> 00:23:20,680
Speaker 2: Oh my gosh, that is really cheap.

588
00:23:20,840 --> 00:23:21,119
Speaker 6: All right.

589
00:23:21,200 --> 00:23:24,760
Speaker 7: So we've got Patrese. Patrese says rice cookers. You guys

590
00:23:24,800 --> 00:23:28,080
Speaker 7: keep buying prepackaged rice and it is adding up. Get

591
00:23:28,119 --> 00:23:30,960
Speaker 7: a cheap rice cooker from Kmart for fourteen dollars and

592
00:23:31,000 --> 00:23:33,200
Speaker 7: it'll pay itself off over the long term.

593
00:23:33,320 --> 00:23:34,800
Speaker 5: No, that's a super save a tip.

594
00:23:35,920 --> 00:23:39,000
Speaker 2: I'm totally into that because I burn expensive No. No,

595
00:23:39,040 --> 00:23:40,800
Speaker 2: the rice cooker, it's fool proof.

596
00:23:41,000 --> 00:23:42,280
Speaker 5: It doesn't it can't screw it up.

597
00:23:42,359 --> 00:23:44,879
Speaker 7: Okay, can't mess it up. Fourteen dollars it Camart. That

598
00:23:45,040 --> 00:23:47,960
Speaker 7: is from my perspective, a money in. We've got Emmy

599
00:23:48,040 --> 00:23:50,760
Speaker 7: Emmy says, buy a gift card on the shop back app,

600
00:23:50,800 --> 00:23:52,439
Speaker 7: and then use the gift card to pay for your

601
00:23:52,480 --> 00:23:56,080
Speaker 7: groceries with the shop back extension on your browser and

602
00:23:56,119 --> 00:23:57,320
Speaker 7: you get double shop backed.

603
00:23:57,359 --> 00:24:00,600
Speaker 2: Oh wow, what a wizard. Chloe has a funny one.

604
00:24:00,640 --> 00:24:03,840
Speaker 7: She says, get a dirty clothes basket that has a lid.

605
00:24:04,200 --> 00:24:06,160
Speaker 7: It'll save you money on the vet when your dog

606
00:24:06,200 --> 00:24:07,320
Speaker 7: wants to eat your socks.

607
00:24:07,600 --> 00:24:10,000
Speaker 4: Can I just say nothing beats my I beat inflation.

608
00:24:10,119 --> 00:24:12,400
Speaker 4: Sorry by your gift Now buy what you want.

609
00:24:12,480 --> 00:24:15,560
Speaker 2: I think that's that's good. We've also got one from Antara.

610
00:24:15,760 --> 00:24:17,840
Speaker 7: She says, you'll resonate with this because we all love

611
00:24:17,840 --> 00:24:20,640
Speaker 7: a little bit of cheeky macs. Download the Macs app.

612
00:24:20,640 --> 00:24:23,320
Speaker 7: We've talked about it before and she said this. Yeah,

613
00:24:23,400 --> 00:24:25,199
Speaker 7: she said, compare the cost this week, I got my

614
00:24:25,240 --> 00:24:26,480
Speaker 7: coffee for two dollars.

615
00:24:26,560 --> 00:24:29,840
Speaker 2: Wow, money win. I feel like those are money wins

616
00:24:29,840 --> 00:24:30,240
Speaker 2: all round.

617
00:24:30,440 --> 00:24:32,359
Speaker 3: You know what, if you have a sneaky tip that

618
00:24:32,400 --> 00:24:34,840
Speaker 3: you've got, hit us up on socials at She's on

619
00:24:34,880 --> 00:24:37,280
Speaker 3: the money, because I think we should do that more often.

620
00:24:37,400 --> 00:24:39,840
Speaker 7: Just let out let them tell us yeah, I've got

621
00:24:39,880 --> 00:24:43,160
Speaker 7: another one if you want another one. Calleen one, She says,

622
00:24:43,200 --> 00:24:45,359
Speaker 7: I've got a few email addresses so I can keep

623
00:24:45,480 --> 00:24:48,920
Speaker 7: utilizing the new customer discounts if I haven't used them before.

624
00:24:49,520 --> 00:24:51,960
Speaker 6: Oh wizard inside of Trading or something.

625
00:24:52,000 --> 00:24:54,560
Speaker 3: Now doesn't that Just remember to put a reminder to

626
00:24:54,560 --> 00:24:56,760
Speaker 3: cancel that because I was paying for Audible for eighteen

627
00:24:56,800 --> 00:24:58,320
Speaker 3: months on whoops.

628
00:24:58,480 --> 00:25:00,600
Speaker 7: All right, well, you've got to be smart, but I

629
00:25:00,640 --> 00:25:02,680
Speaker 7: reckon at some point we'll go back to the community

630
00:25:02,720 --> 00:25:03,400
Speaker 7: for some money tips.

631
00:25:03,440 --> 00:25:04,399
Speaker 2: Because they're smarter than me.

632
00:25:04,520 --> 00:25:06,920
Speaker 1: Well, I feel personally attacked until you said smarter than me.

633
00:25:07,000 --> 00:25:08,800
Speaker 1: Well done. All right, we got to get out of here. Guys.

634
00:25:08,840 --> 00:25:11,080
Speaker 3: You can catch up with us anytime on socials. Just

635
00:25:11,119 --> 00:25:13,280
Speaker 3: search cheese on the Money. Mitch, you've got to stick around.

636
00:25:13,320 --> 00:25:15,240
Speaker 3: Do the Life on Cut radio show next.

637
00:25:15,240 --> 00:25:16,520
Speaker 5: But I do. I do.

638
00:25:16,720 --> 00:25:17,320
Speaker 1: Let's go get it.

639
00:25:17,720 --> 00:25:19,439
Speaker 2: Let's go get us a two dollar macas coffee.

640
00:25:19,440 --> 00:25:20,960
Speaker 1: Took the words right out of my mouth, baby,