WEBVTT - I Think I Accidentally Became Rich 0:00:00.200 --> 0:00:03.240 My name's Tatasha Bamblet. I'm a proud First Nations woman 0:00:03.600 --> 0:00:07.920 and I'm here to acknowledge country. Te Glenn Young Ganya 0:00:08.200 --> 0:00:11.319 Niana Kaka yah y and beIN ah Waka nian Arka 0:00:11.440 --> 0:00:15.520 in Mbini, yakarum Jar, dominyamiga Umaga Ihowaka Nile Waman damon 0:00:15.560 --> 0:00:19.520 Immalan Bumba bang Gadabomba in and now in waka ghana 0:00:19.520 --> 0:00:24.439 on yakarum jar Watanadaa. Hello, beautiful friends, we gather on 0:00:24.520 --> 0:00:27.480 the lands of the Aboriginal people. We thank acknowledge and 0:00:27.600 --> 0:00:30.080 respect the Abiginal people's land that we're gathering on today. 0:00:30.680 --> 0:00:33.199 Take pleasure in all the land and respect all that 0:00:33.320 --> 0:00:37.879 you see. She's on the Money podcast acknowledges culture, country, 0:00:38.520 --> 0:00:43.640 community and connections, bringing you the tools, knowledge and resources 0:00:43.920 --> 0:00:44.560 for you to thrive. 0:00:45.080 --> 0:00:46.800 She's on the Money. 0:00:47.040 --> 0:00:47.840 She's on the Money. 0:00:51.440 --> 0:00:54.520 Hello, and welcome to She's on the Money, the podcast 0:00:54.560 --> 0:00:57.040 that let you be favy about other people's money stories 0:00:57.200 --> 0:01:00.720 for the educational purposes of course. Welcome back to another 0:01:00.800 --> 0:01:03.040 one of our money diaries, brought to you by our 0:01:03.120 --> 0:01:05.680 friends at Skywealth, where I get the absolute privilege of 0:01:05.720 --> 0:01:08.360 sitting down with one of our incredible She's on the 0:01:08.400 --> 0:01:11.720 Money community members and talking to them all about their journey. 0:01:12.080 --> 0:01:14.680 Let's jump straight into it, because this week I got 0:01:14.720 --> 0:01:18.119 a message and it sounded exactly like this, Hi, She's 0:01:18.160 --> 0:01:21.600 on the Money. I think I might have made myself rich. 0:01:22.080 --> 0:01:24.360 I'm about to hit one hundred thousand dollars in my 0:01:24.480 --> 0:01:28.039 beta shares, have above average super and I'm living well 0:01:28.120 --> 0:01:31.840 below my means. Plus I have one whole year in 0:01:32.000 --> 0:01:35.800 my emergency fund. I also bought a house, and then 0:01:35.840 --> 0:01:38.480 I unbought a house, and I think I might rent 0:01:38.560 --> 0:01:42.040 forever and I might actually be okay with that. I 0:01:42.280 --> 0:01:46.280 quit my and this was dollar dollar dollar sign consulting 0:01:46.440 --> 0:01:50.160 job and work casually now. But that is a scary thought. 0:01:50.320 --> 0:01:53.559 So I just say that I'm semi retired. Not bad 0:01:53.720 --> 0:01:55.880 for a cent a link baby. Who thought those little 0:01:55.960 --> 0:01:59.680 packet side dish pastas were a full meal for three people? 0:02:00.280 --> 0:02:07.200 Money Diarist? What the heck? I am so excited you 0:02:07.280 --> 0:02:09.720 and I have been having I would say, really like, 0:02:09.880 --> 0:02:13.639 I don't know, a really fun chat before we started recording. 0:02:13.800 --> 0:02:17.560 So I'm genuinely very excited to have transitioned into doing 0:02:17.639 --> 0:02:19.720 this money diary with you. So I'm hoping that the 0:02:19.800 --> 0:02:24.200 vibes stay exactly the same. Money darist, that's really impressive. 0:02:24.400 --> 0:02:26.320 You obviously think that's really impressive. 0:02:26.560 --> 0:02:28.600 I think that's unhinged, honestly. 0:02:28.680 --> 0:02:31.679 Okay, good good, Because like sometimes people come on and 0:02:31.760 --> 0:02:33.679 I have to be like, hey, babe, are like that's 0:02:33.760 --> 0:02:36.280 not that relatable in the nicest possible way, and I'll 0:02:36.320 --> 0:02:38.400 be like, oh yeah, I'd be really grateful for that too, 0:02:38.520 --> 0:02:40.720 but like I love that you're like, this is sick, 0:02:40.840 --> 0:02:44.000 it's unhinged. But also here I'll give you my hacks 0:02:44.000 --> 0:02:45.720 and tips and tricks so that maybe you can do 0:02:45.800 --> 0:02:46.040 it too. 0:02:46.400 --> 0:02:48.680 Yeah. It's definitely one of those things where you look 0:02:48.680 --> 0:02:50.440 at all the little steps and you're like, oh, well, 0:02:50.480 --> 0:02:53.480 if I could do it, then probably a lot of 0:02:53.560 --> 0:02:55.720 people can do it. But also, how on earth did 0:02:55.760 --> 0:02:56.359 I do this? 0:02:56.720 --> 0:02:58.359 You know? Wait, I don't know, and I'm aboud to 0:02:58.440 --> 0:03:00.440 find out before we get into it. Need to ask 0:03:00.520 --> 0:03:03.079 one question. But before, before before I get into it, 0:03:03.400 --> 0:03:07.080 how old are you? I am thirty four, she's a baby, 0:03:07.639 --> 0:03:09.480 I say, at thirty five. 0:03:09.560 --> 0:03:12.880 That's because we like the same age, yes, but like. 0:03:13.120 --> 0:03:16.600 Sorry, that's so young, like so young to be like, 0:03:16.800 --> 0:03:18.720 oh yeah, send me retired. 0:03:19.919 --> 0:03:22.720 What look not working? Yeah, quitting your job and not 0:03:22.840 --> 0:03:25.639 having something to go to sounds scary when you say 0:03:25.680 --> 0:03:27.320 it like that, but then you say, look, I'm just 0:03:27.320 --> 0:03:29.760 gonna be semi retired, and then it doesn't sound so bad. 0:03:30.720 --> 0:03:33.720 No, But also the privilege of being in that position 0:03:33.800 --> 0:03:35.840 where you're like, I have a year of emergency funds, 0:03:35.920 --> 0:03:39.040 like oh, I'm just so happy for you, Like, oh, 0:03:39.480 --> 0:03:42.440 I wish that financial freedom upon everybody in my community. 0:03:42.800 --> 0:03:46.080 Before I ask you how the heck you did that money, 0:03:46.160 --> 0:03:47.880 Jarvis wal Grade, would you give your money habits if 0:03:47.880 --> 0:03:49.440 I asked you to give them a grade from A 0:03:49.640 --> 0:03:50.040 through death. 0:03:50.240 --> 0:03:52.320 I'm not playing the C game, I'm not playing the 0:03:52.400 --> 0:03:56.240 B I'm not playing the B. Plus and we'll see 0:03:56.320 --> 0:03:59.440 I'm going full A. I'm going full A. I'm full A. 0:03:59.760 --> 0:04:02.200 Come my show and be like I'm saying you're retired 0:04:02.360 --> 0:04:04.600 and I'm thirty four years old and be like I'm 0:04:04.600 --> 0:04:06.480 an F Like, oh my gosh. 0:04:06.640 --> 0:04:08.960 Plus, I feel like everybody when they set their score, 0:04:09.040 --> 0:04:10.880 we kind of go, we sell it down a bit, 0:04:10.920 --> 0:04:12.440 and we go there's so much more to learn. But 0:04:12.520 --> 0:04:14.720 I was really thinking this through, and I thought, when 0:04:14.760 --> 0:04:16.880 you take a test, you're just assessing the knowledge that 0:04:16.920 --> 0:04:19.000 you have at this point and how well you're applying it, 0:04:19.400 --> 0:04:21.200 And so I know there'll be so much for me 0:04:21.279 --> 0:04:23.720 to go and grow on further. But right now, with 0:04:23.800 --> 0:04:26.359 the knowledge I have, I'm making great choices. I'm feeling 0:04:26.480 --> 0:04:30.080 very empowered. I'm obviously nailing stuff objectively, and so I'm like, no, 0:04:30.240 --> 0:04:31.720 this is what an a would look like if I 0:04:31.800 --> 0:04:33.320 was tested. Right now, she's on it. 0:04:34.120 --> 0:04:36.920 I'm obsessed with this energy. Oh my goodness. All right, 0:04:37.000 --> 0:04:38.880 money dois? Can you tell me a bit more about 0:04:38.880 --> 0:04:40.960 your money story in the things that have impacted it? 0:04:41.600 --> 0:04:46.960 Yes, I think that well, objectively, I know that we 0:04:47.080 --> 0:04:50.400 didn't grow up with a lot of money. I also 0:04:50.520 --> 0:04:52.320 think that a flip side of that was that I 0:04:52.400 --> 0:04:55.840 didn't actually know that until I was a bit older, 0:04:56.000 --> 0:04:57.960 because we just lived in like a really dodgy part 0:04:58.000 --> 0:04:59.760 of town where nobody has any money. So you're kind 0:04:59.800 --> 0:05:04.520 of looking at everyone around with your peers and it's like, Okay, well, 0:05:04.600 --> 0:05:06.960 I'm going to school in ripped clothes, but this kid's 0:05:07.040 --> 0:05:10.719 got holes in his shoes, and everyone's like got bikes 0:05:10.720 --> 0:05:12.080 that we picked up off the side of the road. 0:05:12.120 --> 0:05:13.600 So it's kind of like we're all in the same 0:05:14.960 --> 0:05:19.400 Taxico system. Yeah, the same playground ecosystem. So it wasn't 0:05:19.440 --> 0:05:24.440 too bad. And then I was very lucky to get 0:05:24.600 --> 0:05:28.080 a scholarship to high school. And I realized it's because 0:05:28.520 --> 0:05:31.400 my mum didn't want me going to the local high 0:05:31.400 --> 0:05:35.600 school because it was pretty dodge and she wanted to 0:05:35.640 --> 0:05:37.560 get me out of that area, get me away from 0:05:37.560 --> 0:05:39.760 the people who went there. It was a pretty unsafe 0:05:39.880 --> 0:05:42.760 kind of neighborhood. And so I got the scholarship and 0:05:42.800 --> 0:05:46.440 and went to this private school, which obviously then put 0:05:46.480 --> 0:05:49.040 me into contact with people who did have a bit 0:05:49.080 --> 0:05:51.200 of money. And I will say, even back then, it 0:05:51.320 --> 0:05:56.200 wasn't too jarring for me to be in that environment, 0:05:56.560 --> 0:05:58.440 but only because and I don't know if this was 0:05:58.480 --> 0:06:00.240 good or bad, it just is what it is. Only 0:06:00.279 --> 0:06:03.520 because my family didn't talk about money. So I knew 0:06:03.560 --> 0:06:05.640 that other people had things I didn't have. I knew 0:06:05.680 --> 0:06:08.040 that I couldn't have those things, but I didn't know 0:06:08.200 --> 0:06:11.280 that it was money. That was the reason. It was 0:06:11.400 --> 0:06:13.760 just a thing that we didn't do it, like we 0:06:13.839 --> 0:06:17.120 don't okay, we don't get the thing. We get the 0:06:17.160 --> 0:06:19.760 secondhand uniforms. You're going to get one blazer for all 0:06:19.800 --> 0:06:22.160 of high school and it better fit you, like that 0:06:22.320 --> 0:06:23.000 sort of a vibe. 0:06:23.279 --> 0:06:26.599 Yeah, So I'm very interested in that because I feel 0:06:26.640 --> 0:06:28.280 like that's one of the first times on this show 0:06:28.320 --> 0:06:31.559 we've been like I didn't realize that it was money 0:06:31.680 --> 0:06:36.640 that was driving that. Tell me a bit more about 0:06:37.800 --> 0:06:40.200 what that felt like, because did that feel like, oh, 0:06:40.400 --> 0:06:42.840 like I'm not as deserving as other people, or I 0:06:43.000 --> 0:06:45.839 just don't get those opportunities, Like did you understand. 0:06:45.480 --> 0:06:48.200 Why I had no idea? And I think it was 0:06:49.480 --> 0:06:54.040 when I looked at certain times when I felt and 0:06:54.120 --> 0:06:55.960 I think undeserving is a great word for it, when 0:06:55.960 --> 0:06:59.120 I felt undeserving or less than it was things like 0:06:59.600 --> 0:07:02.280 I would go to my family Christmas. My parents were separated, 0:07:02.320 --> 0:07:03.839 so I have had Christmas with each of my parents 0:07:04.160 --> 0:07:07.440 and then go to bigger family Christmas, and I would 0:07:07.520 --> 0:07:09.200 know that, you know, I woke up in the morning 0:07:09.279 --> 0:07:10.800 and I got a little present, and then I would 0:07:10.880 --> 0:07:13.520 have to go and sit through all my cousins getting 0:07:13.680 --> 0:07:18.080 heaps of gifts. But I don't know what the financial implication. 0:07:18.200 --> 0:07:20.640 I didn't understand the financial situation of different people in 0:07:20.840 --> 0:07:22.840 even in my family, to know that that's why they 0:07:22.880 --> 0:07:25.520 got more and I didn't. I just knew that, but 0:07:25.680 --> 0:07:28.360 I get thistening and they get something else. It is 0:07:28.400 --> 0:07:29.720 when you look at it like that, but at the 0:07:29.800 --> 0:07:30.760 time it was just, oh. 0:07:30.760 --> 0:07:33.120 No, you didn't get it. But that's just it, right, 0:07:33.240 --> 0:07:37.880 Like kids are so beautifully naive to what's going on. 0:07:38.560 --> 0:07:41.360 But like, that's why I think financial literacy from a 0:07:41.480 --> 0:07:44.560 very young age is so important because in that moment 0:07:44.640 --> 0:07:47.600 you probably couldn't have articulated it. But you're like, why 0:07:47.680 --> 0:07:49.520 do they get better than me? And like you might 0:07:49.600 --> 0:07:51.520 have been fine with it because you're like, well, maybe 0:07:51.600 --> 0:07:54.280 my sibling's got exactly what I got. Whatever, there was 0:07:54.320 --> 0:07:58.600 a narrative that you clearly accepted, but like you do go, well, 0:07:58.920 --> 0:08:01.200 if there is a social high Iraqi, I'm not higher 0:08:01.240 --> 0:08:05.160 than them, and that is not okay. Like to me, 0:08:05.320 --> 0:08:07.320 that is not okay. Like and I just want to 0:08:07.360 --> 0:08:09.240 scoop baby you up and be like it wasn't ever 0:08:09.320 --> 0:08:11.040 you babe when you said, you know, I felt less 0:08:11.080 --> 0:08:13.640 than It's not because you are. It's a feeling. But 0:08:13.760 --> 0:08:16.680 I think it's really important to validate that as well. Yeah, 0:08:16.680 --> 0:08:19.480 It's just it really upsets me that that was your narrative. 0:08:19.840 --> 0:08:22.240 It's definitely one of those things that I think it 0:08:22.320 --> 0:08:25.400 definitely impacted me quite a lot. But when I'm coming 0:08:25.440 --> 0:08:27.800 to those realizations and having those feelings, I'm also in 0:08:27.960 --> 0:08:30.840 like that teenage angst kind of vibe anyway, where you 0:08:30.920 --> 0:08:34.160 feel like everyone is against you and everything you know 0:08:34.280 --> 0:08:39.880 nobody has it help exactly, And so I think on 0:08:39.960 --> 0:08:42.199 the one head, I didn't have a target for like 0:08:42.400 --> 0:08:44.320 those feelings of what they're going to do and where 0:08:44.320 --> 0:08:46.040 they're coming from. But it was also just oh, well, 0:08:46.080 --> 0:08:47.880 this is my reality and this is where we live 0:08:48.440 --> 0:08:51.079 in the world. And I think that part of that 0:08:51.320 --> 0:08:54.360 was just when I started to notice that there were 0:08:54.920 --> 0:09:01.640 money opportunities that I wasn't getting. It was frustrating in 0:09:01.800 --> 0:09:03.720 the purest sense, like when you see a kid who 0:09:03.760 --> 0:09:06.880 can't process the emotion and they don't understand. So I, 0:09:07.440 --> 0:09:09.559 you know, was going to this high school and I 0:09:10.360 --> 0:09:12.640 got a place to go on a school trip to India, 0:09:12.679 --> 0:09:14.240 and I remember coming home and being like, Mum, I 0:09:14.280 --> 0:09:15.920 got it. I applied this thing. I've won a place, 0:09:15.960 --> 0:09:17.439 and the four people at my school get to go. 0:09:18.040 --> 0:09:21.160 She was like, well you can't go, you obviously can't go. Yeah, 0:09:21.559 --> 0:09:24.120 And I was like, oh, okay, but I want it though, 0:09:24.200 --> 0:09:26.439 and like we have to put in the deposit and 0:09:26.679 --> 0:09:28.480 it was like I think it might have been two 0:09:28.600 --> 0:09:30.199 or three hundred dollars for the deposit, but then it 0:09:30.280 --> 0:09:32.160 was a total of like two grand that had to 0:09:32.240 --> 0:09:34.480 be paid within maybe a month or so. And she 0:09:34.600 --> 0:09:36.920 was like, well, that's simply not something that we do. 0:09:37.160 --> 0:09:38.679 We're not going to do that. We can't do that. 0:09:38.760 --> 0:09:41.959 That's not available. And it wasn't like a will fundraise, 0:09:42.360 --> 0:09:45.320 we'll do this, we'll do it. Will wasn't make it work. 0:09:45.679 --> 0:09:47.959 I'm solving And that's okay. That's her money story and 0:09:48.080 --> 0:09:50.240 how she was dealing with it. But it doesn't. And 0:09:50.400 --> 0:09:54.240 this is where I sound wanky maybe Like I say 0:09:54.320 --> 0:09:56.559 that I sound a little bit pretentious when I say 0:09:56.679 --> 0:09:59.360 having a growth mindset is important because I feel like 0:09:59.760 --> 0:10:03.520 if re entrepreneur who has a podcast is talking about 0:10:03.559 --> 0:10:05.400 growth versus fixed mindset, you. 0:10:05.440 --> 0:10:06.840 Know what, you're not the vibar yea. 0:10:07.880 --> 0:10:12.040 Because of my background in psychology, because of money stories 0:10:12.080 --> 0:10:14.480 that I hear on the regular, Like, it is so 0:10:14.800 --> 0:10:17.920 important even if you can't afford it, to be fostering 0:10:18.000 --> 0:10:20.959 this growth mindset in your children, in my children, in 0:10:21.280 --> 0:10:24.439 us in general, because it opens us up to more opportunity. 0:10:25.120 --> 0:10:27.360 Did it mean that we could have changed you going? 0:10:27.960 --> 0:10:31.360 Probably not, but like explaining, all right, well, we don't 0:10:31.440 --> 0:10:33.560 have the resources for that right now. This is how 0:10:33.600 --> 0:10:36.240 they're budgeted. You know, what could we do to get 0:10:36.280 --> 0:10:39.040 you there? And you could have like brainstormed it out, 0:10:39.160 --> 0:10:41.320 and you know you might I don't know you, as 0:10:41.559 --> 0:10:44.240 you know a young child, you might have gone, Mum, 0:10:44.320 --> 0:10:46.319 don't worry about it. I don't want to have to 0:10:46.360 --> 0:10:50.280 do fundraising and organizing. But there could have been a 0:10:50.360 --> 0:10:54.400 solution that really helped you build. I mean to be honest, 0:10:54.440 --> 0:10:56.400 looking at your wider money story, you didn't need it. 0:10:56.679 --> 0:11:01.199 So I think too it comes back to spoiler. Like 0:11:01.520 --> 0:11:03.440 I work a little bit in financial literacy with kids now, 0:11:03.520 --> 0:11:06.280 and I think it comes back to the fact that 0:11:06.720 --> 0:11:09.360 the only money story, and we ask kids, like, what 0:11:09.440 --> 0:11:11.800 if you heard about money growing up? The only statement 0:11:11.800 --> 0:11:14.640 I'd ever heard was we can't afford it. And that 0:11:14.880 --> 0:11:18.040 is a helpful objective statement, but it doesn't give context 0:11:18.120 --> 0:11:21.120 for what that means. And when you take me objectively 0:11:21.200 --> 0:11:23.360 going to a private school, it doesn't make sense that 0:11:23.400 --> 0:11:25.439 you can't afford to give me money to go overseas. 0:11:25.480 --> 0:11:26.920 For a school trip, because how are you sending me 0:11:27.000 --> 0:11:28.640 to this private school. I knew I had a scholarship, 0:11:28.640 --> 0:11:31.360 but I didn't know what that financially meant. And I 0:11:31.559 --> 0:11:33.640 was old enough to start putting numbers to money. I 0:11:33.760 --> 0:11:36.520 was spending money at the canteen. I was, you know, 0:11:36.840 --> 0:11:39.079 nicking money from my dad's little coin bowl so I 0:11:39.120 --> 0:11:40.599 could get a soft serve on the weekend. Like I 0:11:40.679 --> 0:11:42.640 had a bit of a concept and I was using it. 0:11:43.120 --> 0:11:46.360 But because I had no real world application of money, 0:11:46.960 --> 0:11:48.840 someone telling me we don't have money for that didn't 0:11:48.880 --> 0:11:50.400 make sense to me when I could see what we 0:11:50.480 --> 0:11:53.400 did have money for. And it wasn't until I started 0:11:53.440 --> 0:11:55.559 to look back and put the pieces into place and 0:11:55.679 --> 0:11:58.760 have more conversations. And my mom is still very hesitant 0:11:58.760 --> 0:12:01.240 to talk about money. But I know that her boss 0:12:01.320 --> 0:12:04.240 was paying my school fees, not her. I also know 0:12:04.480 --> 0:12:07.160 now and again have context for it now. I remember 0:12:07.200 --> 0:12:09.360 when I was lodging my first tax return and I 0:12:09.440 --> 0:12:10.960 actually was like, I think I'm going to get taxed 0:12:11.040 --> 0:12:13.760 back because I've earned more money. I asked her how 0:12:13.800 --> 0:12:15.040 to do it. She said, I don't know. I've never 0:12:15.120 --> 0:12:17.640 earned over the threshold. And I was like, this is 0:12:17.720 --> 0:12:20.199 a single one with two kids, who's paying rant and 0:12:20.320 --> 0:12:22.280 she's not earned over whatever it was at the time, 0:12:22.360 --> 0:12:25.839 fifteen sixteen thousand dollars. I was like, oh, oh, so 0:12:26.000 --> 0:12:28.160 that's what we were working with here. Okay, so now 0:12:28.240 --> 0:12:30.120 I understand when you say we don't have money. We 0:12:30.200 --> 0:12:33.240 didn't have money. And to the comment icon, I. 0:12:33.280 --> 0:12:36.560 Know you said that you grew up not knowing you know, oh, 0:12:37.120 --> 0:12:39.439 you didn't understand the concept of not affording it. Okay, 0:12:39.559 --> 0:12:42.880 that makes a lot of sense. Like, you know, growing up, 0:12:42.920 --> 0:12:45.559 I heard a fair bit, Oh, Victoria, we can't afford that, 0:12:46.080 --> 0:12:49.040 And like we weren't on the poverty line. We definitely 0:12:49.160 --> 0:12:52.640 were like well off in comparison to a lot, but 0:12:52.760 --> 0:12:56.920 like we definitely, like I think, looking back, we're very 0:12:57.000 --> 0:12:59.839 weake to week like yeah, and that's okay. But often 0:13:00.000 --> 0:13:01.959 when my parents said we can't afford that, it was 0:13:02.040 --> 0:13:05.320 because we're prioritizing money for something else. Like we definitely 0:13:05.400 --> 0:13:07.400 didn't have the big family holidays and all of that, 0:13:07.559 --> 0:13:11.079 Like that just wasn't part of it. But when my 0:13:11.160 --> 0:13:14.040 parents said we can't afford that, I had the benefit 0:13:14.080 --> 0:13:16.360 of knowing it was because they were allocating it to 0:13:16.440 --> 0:13:19.280 something else. Yeah, whereas when your mom said she can't 0:13:19.320 --> 0:13:21.640 afford that, you didn't know the difference. She hadn't told 0:13:21.720 --> 0:13:24.840 you we actually have no cash, babe, Like there's nothing 0:13:25.000 --> 0:13:26.720 there that's just not happening. 0:13:27.679 --> 0:13:29.719 And I respect that she didn't. I assume you know, 0:13:29.760 --> 0:13:31.000 you don't want to say that to your child. You 0:13:31.040 --> 0:13:33.280 don't want them to worry. Like you said, I might 0:13:33.360 --> 0:13:35.240 have been more, oh, what can I do and what 0:13:35.320 --> 0:13:36.920 can we do and how can I help? And that 0:13:37.080 --> 0:13:39.199 might have not made her feel great either, but it 0:13:39.320 --> 0:13:42.960 did mean that it didn't have the context in our 0:13:43.000 --> 0:13:46.319 family for what can't afford meant, and so I wasn't 0:13:46.840 --> 0:13:50.959 able I think at that point to understand money is 0:13:51.040 --> 0:13:52.880 a thing that can get you things. Money was just 0:13:52.920 --> 0:13:55.199 the thing we didn't have and that we probably wouldn't have, 0:13:55.480 --> 0:13:58.040 and so just go and earn some and try and 0:13:58.160 --> 0:14:02.640 survive on what you earn. And that's success, which is 0:14:02.720 --> 0:14:04.959 also not bad, but it's one of those things where like, 0:14:05.040 --> 0:14:06.959 if that's where you think the end of the road is, 0:14:07.080 --> 0:14:08.040 that's as far as you ever go. 0:14:08.440 --> 0:14:12.040 Yeah, of course, of course. So tell me a little 0:14:12.080 --> 0:14:14.920 bit more about your life, like what do you do 0:14:15.040 --> 0:14:16.400 for work? How much money are you earning. 0:14:16.440 --> 0:14:20.560 Currently, I have a lot of different things that I 0:14:20.640 --> 0:14:21.160 do for work. 0:14:21.480 --> 0:14:25.160 So so's a diverse queen. 0:14:25.400 --> 0:14:28.520 Oh, yes, I'm diversifying everything. I am the asset and 0:14:28.560 --> 0:14:33.520 I'm diversified. I basically I went to UNI because my 0:14:33.760 --> 0:14:35.000 parents are like, doesn't matter what you do, you have 0:14:35.040 --> 0:14:36.440 to go to UNIE because you're going to get a job, 0:14:36.600 --> 0:14:39.760 and that's the way to do it. And I really 0:14:40.080 --> 0:14:42.680 wanted to study theater, so I did. And I really 0:14:42.760 --> 0:14:45.040 wanted to study psychology, but I thought I would give 0:14:46.480 --> 0:14:48.160 like no, like, I hope. 0:14:47.960 --> 0:14:49.960 That's not a bad thing to say, like the most 0:14:50.080 --> 0:14:52.600 positive yeah, in the most positive way ever, Like you 0:14:52.800 --> 0:14:55.720 just seem like a really fun time, thank you so much. 0:14:56.280 --> 0:14:59.400 Like she's got range as a friend. I can see it. 0:15:00.000 --> 0:15:03.760 I can see it's clearly empathetic. But you're also probably 0:15:03.840 --> 0:15:06.520 the most entertaining at a dinner party, I hope. 0:15:06.600 --> 0:15:10.200 So, I hope. So because one of my jobs is entertaining. Yes, 0:15:10.320 --> 0:15:13.600 there you go. It's all covered together. I studied that. 0:15:13.720 --> 0:15:16.800 I studied behavioral science, which I really enjoyed because it 0:15:16.880 --> 0:15:20.440 was that practical behavior application of psychology. And I study 0:15:20.560 --> 0:15:24.000 education because everyone's always getting need teachers, So it was 0:15:24.080 --> 0:15:26.000 like my fallback, my backup plan, and I was very 0:15:26.080 --> 0:15:29.440 comfortable being a teacher for a little bit. Got the 0:15:29.480 --> 0:15:32.280 big girl job, got the big girl car Lee slash 0:15:32.360 --> 0:15:37.360 Loan did that, and then moved with my boyfriend to 0:15:37.440 --> 0:15:40.880 Sydney when he got his dream job, and realized that 0:15:42.360 --> 0:15:46.440 teaching is a state accredited profession and then it can 0:15:46.520 --> 0:15:49.280 take a long time to move your registration from one 0:15:49.320 --> 0:15:52.040 place to the other. So I was waiting ten months 0:15:52.160 --> 0:15:56.320 to get my registration changed, and obviously it was time. Yeah. 0:15:56.600 --> 0:15:59.440 I was like, I can't casual teach, I'm not registered. 0:15:59.440 --> 0:16:01.440 What am I going to do? And I started looking 0:16:01.560 --> 0:16:06.040 for anything and I basically fell into working in schools, 0:16:06.120 --> 0:16:11.080 still doing behavioral science, doing behavior change programs for lots 0:16:11.080 --> 0:16:16.240 of different types of information, and mostly in cybersecurity and 0:16:16.320 --> 0:16:19.760 digital safety, but also financial literacy, which was fun because 0:16:19.760 --> 0:16:23.720 I was learning it along with the kids. Yes, I 0:16:23.840 --> 0:16:26.160 was like, what how do we check the award wage? 0:16:26.200 --> 0:16:27.480 How do I know what I'm getting paid? 0:16:27.560 --> 0:16:28.400 Like, what do you know? 0:16:28.480 --> 0:16:30.480 What do you know what? One of my girlfriends is 0:16:30.560 --> 0:16:33.960 a teacher and she's just like changed where she's at 0:16:34.120 --> 0:16:36.240 and she was really stressed, and I was like, babe, 0:16:36.840 --> 0:16:39.440 you literally just need to be one lesson ahead of them, 0:16:40.040 --> 0:16:42.160 like you can learn them at the same time. Just 0:16:42.280 --> 0:16:44.680 make sure you're one lesson ahead so that when they're 0:16:44.720 --> 0:16:47.720 asking you, you have all the answers, but like, go 0:16:47.920 --> 0:16:50.240 home and learn that stuff so that the next week 0:16:51.120 --> 0:16:52.520 and you know what, you know a year after that, 0:16:52.600 --> 0:16:53.920 you're not going to have to do that again. 0:16:54.560 --> 0:16:58.320 No, no, exactly. And so I moved up in that job, 0:16:58.560 --> 0:17:02.200 and I found that I really enjoyed talking surprise, surprise, 0:17:02.400 --> 0:17:07.040 but also teaching in that way, not so curriculum bound, 0:17:07.200 --> 0:17:11.080 but more in the conversations and listening to kids say well, 0:17:11.119 --> 0:17:12.840 this is my problem. What can I do? And me 0:17:12.960 --> 0:17:14.600 saying well, what can you do? What do you think 0:17:14.640 --> 0:17:18.200 you can do? And facilitating rather than just telling. And 0:17:18.359 --> 0:17:21.080 so I started doing more of that work and eventually 0:17:21.400 --> 0:17:25.119 went into consulting through the company that I was with, 0:17:25.800 --> 0:17:28.520 and did that at a pretty good level for a 0:17:28.600 --> 0:17:30.960 while until I got to a point where I realized, actually, 0:17:31.600 --> 0:17:37.040 I'm doing a lot of the consulting, management, planning, project 0:17:37.119 --> 0:17:41.200 stuff and not the talking and the connecting and the facilitating, 0:17:41.240 --> 0:17:43.680 which I really love and I'm really good at. And 0:17:43.800 --> 0:17:45.920 I had a really nice conversation with my employers, and 0:17:46.000 --> 0:17:48.200 I said, look, this work is here and I would 0:17:48.240 --> 0:17:49.879 love to be doing it, but because I'm doing this 0:17:50.000 --> 0:17:52.520 other stuff, I'm not doing the thing I love anymore. 0:17:52.920 --> 0:17:55.679 There are people who are better equipped to the project management, 0:17:55.720 --> 0:17:57.639 people the type a's are really good at that. Let 0:17:57.720 --> 0:18:00.159 them do that, let me do the yapping. How do 0:18:00.200 --> 0:18:03.320 we make this work? And so totally agreed that actually 0:18:03.560 --> 0:18:05.960 I would quit and I would come back as a 0:18:06.040 --> 0:18:09.320 contractor or a casual it's a bit funny contract wise, 0:18:09.840 --> 0:18:12.920 but essentially a casual employee, and I would still do 0:18:13.000 --> 0:18:15.240 the workshops. So I do still do the workshops. But 0:18:16.040 --> 0:18:18.320 I also then was asked by my friend if I 0:18:18.400 --> 0:18:19.960 would marry them as their celebrant. 0:18:20.560 --> 0:18:22.359 So that's so sick. 0:18:23.240 --> 0:18:26.120 So I became a marriage celebrant. I've also actually done 0:18:26.200 --> 0:18:29.240 quite a few memorials and funerals, which I also actually 0:18:29.359 --> 0:18:32.480 I really love. Yes, it's such a privilege and it's 0:18:32.560 --> 0:18:35.600 such a beautiful time to chat to people, and I 0:18:35.720 --> 0:18:41.000 have found that it is a good challenge to have, 0:18:41.359 --> 0:18:44.400 but also as such an interesting thing to be doing. 0:18:45.080 --> 0:18:47.200 And then I've been doing M seeing event m seeing 0:18:47.240 --> 0:18:48.640 as well on top. 0:18:48.520 --> 0:18:51.520 Of that, and so so cool. 0:18:52.000 --> 0:18:53.680 Plus I can still casual teach if I need to 0:18:53.840 --> 0:18:54.880 so back up plan tick. 0:18:55.720 --> 0:18:58.760 Oh my goodness, like you are a weapon. So how 0:18:58.840 --> 0:19:01.480 much money are we earning across all of these different things? 0:19:01.840 --> 0:19:04.959 Well, I love that to date it a little bit. 0:19:05.000 --> 0:19:07.480 We are doing this around and a financial year time 0:19:07.560 --> 0:19:10.800 because it means that all my year to dates are 0:19:11.000 --> 0:19:14.080 looking good. And in the last year today I pulled 0:19:14.280 --> 0:19:17.680 two hundred and four thousand, five hundred and seventy eight dollars. 0:19:18.440 --> 0:19:23.840