1
00:00:00,680 --> 00:00:04,920
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor

2
00:00:04,960 --> 00:00:08,680
Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

3
00:00:08,680 --> 00:00:11,160
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,160 --> 00:00:14,319
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,400 --> 00:00:17,680
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,120 --> 00:00:22,240
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,320 --> 00:00:26,960
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,080 --> 00:00:30,120
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,240 --> 00:00:32,640
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,320 --> 00:00:37,120
Speaker 2: Let's get into it. She's on the Money. She's on

11
00:00:37,159 --> 00:00:59,880
Speaker 2: the Money. Hello and welcomed.

12
00:01:00,160 --> 00:01:04,440
Speaker 3: She's on the Money the podcast Millennials who want financial freedom. Today,

13
00:01:04,480 --> 00:01:06,560
Speaker 3: my friends, it is Friday, which means it is time

14
00:01:06,600 --> 00:01:09,560
Speaker 3: to get our little team together and celebrate you the

15
00:01:09,720 --> 00:01:13,280
Speaker 3: incredible She's on the Money community today, Miss Jess Greed,

16
00:01:13,319 --> 00:01:15,640
Speaker 3: she is going to be sharing her favorite money wins

17
00:01:15,640 --> 00:01:19,400
Speaker 3: from the community. Miss Bechsayed has some broke tips to share.

18
00:01:19,600 --> 00:01:22,280
Speaker 3: We're going to be helping to answer a juicy money dilemma,

19
00:01:22,360 --> 00:01:25,720
Speaker 3: which this week is all about inheriting debt, and we're

20
00:01:25,720 --> 00:01:27,760
Speaker 3: going to unpack something that you slid into our DMS

21
00:01:27,760 --> 00:01:30,120
Speaker 3: about this week, we're talking about the cost of traveling

22
00:01:30,280 --> 00:01:31,600
Speaker 3: for family commitments.

23
00:01:32,040 --> 00:01:34,679
Speaker 2: So guys, before we get there, how were your weeks?

24
00:01:34,680 --> 00:01:35,720
Speaker 2: What did you get up to?

25
00:01:35,959 --> 00:01:38,560
Speaker 4: Nothing exciting to report from me, to be honest.

26
00:01:38,360 --> 00:01:40,319
Speaker 2: Just like that, that's boring. Moving on, I know, literally,

27
00:01:40,360 --> 00:01:40,640
Speaker 2: that's it.

28
00:01:40,800 --> 00:01:41,520
Speaker 4: I had a money win.

29
00:01:41,680 --> 00:01:44,880
Speaker 5: I discovered that I can get remedial massage under my

30
00:01:44,920 --> 00:01:48,560
Speaker 5: house insurance. That is a good week because despite my

31
00:01:48,600 --> 00:01:51,840
Speaker 5: boyfriend being a physio, he was like, you need to

32
00:01:51,840 --> 00:01:53,760
Speaker 5: go see somebody else. I was like, and I was like,

33
00:01:53,760 --> 00:01:55,400
Speaker 5: why am I in pain? I'm doing all my exercises.

34
00:01:55,440 --> 00:01:57,040
Speaker 2: Why don't have to see someone else when it's free

35
00:01:57,040 --> 00:01:57,560
Speaker 2: in my house?

36
00:01:57,600 --> 00:01:59,880
Speaker 4: Literally He's like, because you sit like a shrimp for.

37
00:02:01,400 --> 00:02:04,440
Speaker 3: And I was like, rude, but okay, but also why

38
00:02:04,520 --> 00:02:07,320
Speaker 3: can't you fix that? If you're a physio, aren't you

39
00:02:07,440 --> 00:02:09,000
Speaker 3: saving this household money?

40
00:02:09,240 --> 00:02:10,560
Speaker 4: He's pretty good, Like, he.

41
00:02:10,639 --> 00:02:12,880
Speaker 5: Is pretty good, but I complain a lot when he

42
00:02:13,000 --> 00:02:14,160
Speaker 5: like pokes and prods.

43
00:02:14,400 --> 00:02:15,079
Speaker 2: I would too.

44
00:02:16,720 --> 00:02:18,480
Speaker 4: Because I don't. I don't hold backs.

45
00:02:18,480 --> 00:02:24,600
Speaker 5: He pokes and I'm like, ah.

46
00:02:22,200 --> 00:02:23,880
Speaker 2: I feel like that is so true.

47
00:02:24,120 --> 00:02:27,440
Speaker 3: Like my husband works in marketing and so like you

48
00:02:27,440 --> 00:02:29,600
Speaker 3: would think that that means that I would lean on

49
00:02:29,720 --> 00:02:32,120
Speaker 3: him a lot for like, you know, she's on the

50
00:02:32,160 --> 00:02:34,840
Speaker 3: money marketing do you think I do? No, absolutely not

51
00:02:34,880 --> 00:02:37,639
Speaker 3: get away from my business. Ill ill David, Like, who

52
00:02:37,639 --> 00:02:38,440
Speaker 3: do you think you are?

53
00:02:38,880 --> 00:02:42,000
Speaker 6: Yeah? And there's all a gentle cushion of like stranger

54
00:02:42,120 --> 00:02:44,760
Speaker 6: to stranger. Yeah, like, oh, I don't know if I

55
00:02:44,800 --> 00:02:46,440
Speaker 6: love this, but if you're like, you know, if it's

56
00:02:46,440 --> 00:02:49,639
Speaker 6: your partner, you can be like this is so gross.

57
00:02:50,360 --> 00:02:52,560
Speaker 2: You why do you think that that would work?

58
00:02:52,680 --> 00:02:52,880
Speaker 1: Yeah?

59
00:02:53,000 --> 00:02:54,639
Speaker 2: And then dumb Yeah.

60
00:02:54,639 --> 00:02:57,760
Speaker 3: I think what happens is he just like drops some stuff,

61
00:02:57,840 --> 00:03:00,160
Speaker 3: I lose my shit, say that that's never gonna work. Work,

62
00:03:00,160 --> 00:03:01,640
Speaker 3: and then he waits a couple of months, and then

63
00:03:01,639 --> 00:03:07,320
Speaker 3: I come around and suggest his idea to him. I

64
00:03:07,400 --> 00:03:09,600
Speaker 3: was thinking, he's like, wow, I wish I had had

65
00:03:09,600 --> 00:03:10,480
Speaker 3: a plan like that.

66
00:03:11,720 --> 00:03:14,800
Speaker 2: Anyway, what have you been up to?

67
00:03:15,080 --> 00:03:17,399
Speaker 6: So as we speak, I'm actually in Japan. I don't

68
00:03:17,400 --> 00:03:19,200
Speaker 6: know if you guys can see the cherry blossoms behind

69
00:03:19,280 --> 00:03:19,520
Speaker 6: me and.

70
00:03:20,440 --> 00:03:22,960
Speaker 3: I can just see that she's on the money screens

71
00:03:23,080 --> 00:03:26,960
Speaker 3: behind you. But given we recorded this on Wednesday, it

72
00:03:27,000 --> 00:03:28,800
Speaker 3: makes sense that by Friday you could be in a

73
00:03:28,800 --> 00:03:29,840
Speaker 3: different location.

74
00:03:29,800 --> 00:03:31,079
Speaker 2: Could be, who knows.

75
00:03:31,400 --> 00:03:33,160
Speaker 3: I don't want to ruin the magic of She's on

76
00:03:33,200 --> 00:03:35,600
Speaker 3: the money, but like it does take us a little

77
00:03:35,640 --> 00:03:38,080
Speaker 3: bit to actually edit the podcast, upload the podcast.

78
00:03:38,320 --> 00:03:40,680
Speaker 2: I can get our stuff together totally.

79
00:03:41,720 --> 00:03:44,920
Speaker 6: On Friday, I wouldn't be here, So you know, I'm

80
00:03:45,000 --> 00:03:46,520
Speaker 6: kind of I'm kind of glad that you guys.

81
00:03:46,960 --> 00:03:49,200
Speaker 3: I feel like we're not ruining anyone's like, you know,

82
00:03:49,640 --> 00:03:53,240
Speaker 3: like rose colored glasses, because like this episode does drop

83
00:03:53,280 --> 00:03:56,920
Speaker 3: at five am on Friday, So like when on Friday

84
00:03:56,920 --> 00:03:57,760
Speaker 3: did we record it this?

85
00:03:58,360 --> 00:04:01,800
Speaker 4: Oh, exactly in the studio one in the morning.

86
00:04:02,080 --> 00:04:03,680
Speaker 2: I'm committed, but I'm not that committed.

87
00:04:03,880 --> 00:04:06,480
Speaker 3: And even if I had decided to do that, I

88
00:04:06,480 --> 00:04:08,839
Speaker 3: don't think anyone else on the team would be as

89
00:04:08,880 --> 00:04:09,960
Speaker 3: passionate about it as me.

90
00:04:10,160 --> 00:04:15,880
Speaker 2: Hey, i'd be here, Yeah, I wouldn't. I'd come.

91
00:04:16,480 --> 00:04:19,360
Speaker 3: Well, all right, so you're in Japan at the moment,

92
00:04:19,560 --> 00:04:22,360
Speaker 3: and mister SCRICI can get a massage.

93
00:04:22,400 --> 00:04:24,039
Speaker 2: I feel like that's a good week. And what makes

94
00:04:24,080 --> 00:04:27,240
Speaker 2: a really good week. I've just been bopping along, hanging out.

95
00:04:27,320 --> 00:04:30,480
Speaker 3: I had the biggest week of all time last week,

96
00:04:30,560 --> 00:04:32,400
Speaker 3: so I feel like I've just been trying to step back.

97
00:04:32,920 --> 00:04:33,360
Speaker 2: I too.

98
00:04:33,480 --> 00:04:36,640
Speaker 3: Am leaving the country this weekend. I'm going on a

99
00:04:36,640 --> 00:04:39,599
Speaker 3: europe troop, which will be really fun because we're taking

100
00:04:39,640 --> 00:04:42,479
Speaker 3: Harvey and it'll be his like first holiday and I'm

101
00:04:42,560 --> 00:04:45,000
Speaker 3: just I know that. Also, people have been like, he

102
00:04:45,040 --> 00:04:50,000
Speaker 3: won't remember anything. I know, like he's literally three months old.

103
00:04:50,080 --> 00:04:52,920
Speaker 3: He's not going to remember anything. But I will and

104
00:04:53,000 --> 00:04:56,040
Speaker 3: so will my husband, And we're creating little family memories together,

105
00:04:56,240 --> 00:04:58,320
Speaker 3: and like, can you imagine being able to show him

106
00:04:58,360 --> 00:04:59,400
Speaker 3: a little pictures and be like.

107
00:04:59,320 --> 00:05:01,279
Speaker 2: Oh, this is you on holiday when you were little.

108
00:05:01,520 --> 00:05:04,039
Speaker 3: So I think it'll be fun, yeah, and like it'll

109
00:05:04,080 --> 00:05:05,680
Speaker 3: be a good time for Steve and I to bond.

110
00:05:05,880 --> 00:05:07,800
Speaker 3: And like I've heard that there's such thing called a

111
00:05:07,920 --> 00:05:11,880
Speaker 3: four month sleep progression, right, and like we're fine. He's

112
00:05:11,920 --> 00:05:14,080
Speaker 3: a little angel at the moment. But I'm telling you

113
00:05:14,160 --> 00:05:17,320
Speaker 3: right now, I would much prefer to be overseas where

114
00:05:17,320 --> 00:05:21,000
Speaker 3: it is summer, experiencing his sleep regression, then here in Melbourne,

115
00:05:21,000 --> 00:05:24,919
Speaker 3: where it's started to get really bloody cold, experiencing that

116
00:05:24,960 --> 00:05:25,640
Speaker 3: sleep regression.

117
00:05:25,680 --> 00:05:26,320
Speaker 2: If it happens.

118
00:05:26,440 --> 00:05:28,360
Speaker 3: I mean, lots of people say it doesn't, some people

119
00:05:28,400 --> 00:05:30,760
Speaker 3: say it does, but like I compare it over the

120
00:05:30,800 --> 00:05:32,080
Speaker 3: other side of the world promise you.

121
00:05:32,240 --> 00:05:34,960
Speaker 2: Oh yeah, basically the same thing. She'll be wrong.

122
00:05:35,120 --> 00:05:39,000
Speaker 3: But anyway, let's get into the episode because today, Jess,

123
00:05:39,040 --> 00:05:40,880
Speaker 3: you were saying before that there are some really good

124
00:05:40,880 --> 00:05:43,640
Speaker 3: money wins from the community, so Sarah, let us know

125
00:05:43,680 --> 00:05:44,120
Speaker 3: what they are.

126
00:05:44,320 --> 00:05:46,640
Speaker 4: I've started off with a just a solid one.

127
00:05:46,680 --> 00:05:48,880
Speaker 5: And I think she posted this half as a joke

128
00:05:49,000 --> 00:05:51,720
Speaker 5: because she put like the laughing emoji crying emoji. But

129
00:05:51,800 --> 00:05:54,280
Speaker 5: Taylor said money win. I didn't pull any money out

130
00:05:54,279 --> 00:05:54,960
Speaker 5: of my savings.

131
00:05:55,279 --> 00:05:56,800
Speaker 2: Yeah, money, there is a money win.

132
00:05:56,920 --> 00:05:58,400
Speaker 4: I just want to say, we're in a.

133
00:05:58,360 --> 00:06:01,800
Speaker 2: Cost of living crisis. That is common. That's huge, that

134
00:06:01,880 --> 00:06:03,599
Speaker 2: is actually huge.

135
00:06:03,760 --> 00:06:06,640
Speaker 5: Next, I've got a money win from Brianna, who said

136
00:06:06,760 --> 00:06:10,640
Speaker 5: I didn't know Telstra rewards existed outside of tech stuff,

137
00:06:10,880 --> 00:06:13,719
Speaker 5: so I'd never bothered looking into it. I went on

138
00:06:13,760 --> 00:06:16,200
Speaker 5: there the other day and had ninety thousand points, and

139
00:06:16,240 --> 00:06:18,960
Speaker 5: I got myself a one hundred dollar Bunnings gift card,

140
00:06:19,160 --> 00:06:20,719
Speaker 5: so I can now finally buy a pot for my

141
00:06:20,760 --> 00:06:22,400
Speaker 5: plans that I've been wanting to get for ages but

142
00:06:22,440 --> 00:06:24,720
Speaker 5: I couldn't justify. And then I also got a bunch

143
00:06:24,760 --> 00:06:28,200
Speaker 5: of Woolies gift cards for my groceries. Funny wind, I

144
00:06:28,279 --> 00:06:30,920
Speaker 5: don't did you use telstra? That sounds freagannizing.

145
00:06:31,120 --> 00:06:34,520
Speaker 2: I had no idea. Oh that's really cool, bunny Win.

146
00:06:34,640 --> 00:06:35,200
Speaker 2: I love that.

147
00:06:35,760 --> 00:06:37,720
Speaker 5: Next, I've got a money in from Kelly who said

148
00:06:37,720 --> 00:06:41,680
Speaker 5: she's organizing a baby clothes swap with one of her friends.

149
00:06:42,040 --> 00:06:44,520
Speaker 5: Her and her friend have children of slightly different ages

150
00:06:44,560 --> 00:06:47,520
Speaker 5: and different sizes, so they've organized to meet up and

151
00:06:47,600 --> 00:06:50,480
Speaker 5: swap clothes between. Like the group of friends that everyone

152
00:06:50,560 --> 00:06:52,680
Speaker 5: kind of ends up with things that fit their baby

153
00:06:52,680 --> 00:06:53,960
Speaker 5: because they got all stuff so quick.

154
00:06:54,080 --> 00:06:57,680
Speaker 3: They really do, like I had been told. You know

155
00:06:57,720 --> 00:07:01,440
Speaker 3: when someone tells you something over and over and you're like, yeah, yep, yep, whatever, whatever, whatever.

156
00:07:01,560 --> 00:07:04,200
Speaker 3: Yet they like they grow like they are tiny weeds.

157
00:07:04,279 --> 00:07:06,800
Speaker 3: Like all of the stuff that I bought, like not

158
00:07:06,880 --> 00:07:09,960
Speaker 3: even a month ago, does not fit Harvey anymore. Like

159
00:07:10,040 --> 00:07:12,320
Speaker 3: I thought his stuff would have a tiny bit more longevity.

160
00:07:12,480 --> 00:07:13,200
Speaker 2: Yeah, it does not.

161
00:07:13,520 --> 00:07:16,720
Speaker 3: But I recently did that, Jess, because my best friend

162
00:07:16,880 --> 00:07:19,520
Speaker 3: is having a baby, which will also be my best

163
00:07:19,520 --> 00:07:23,440
Speaker 3: friend at the start of June, which is literally so soon.

164
00:07:23,960 --> 00:07:26,120
Speaker 3: But Harvey's just grown out of a whole heap of

165
00:07:26,160 --> 00:07:28,720
Speaker 3: stuff and she'll have a newborn. So I've gifted all

166
00:07:28,760 --> 00:07:31,080
Speaker 3: of that to her, but she has a son that

167
00:07:31,200 --> 00:07:34,200
Speaker 3: is a year older than Harvey. And when I dropped

168
00:07:34,200 --> 00:07:35,760
Speaker 3: that off, she's like, oh, actually, I have a tup

169
00:07:35,800 --> 00:07:37,120
Speaker 3: of stuff that I've been meaning to give you. And

170
00:07:37,200 --> 00:07:39,840
Speaker 3: we did a little swap. It wasn't planned like Kelly's,

171
00:07:39,920 --> 00:07:42,200
Speaker 3: but we did a little switch to root and I

172
00:07:42,240 --> 00:07:44,640
Speaker 3: just was like, this is a funny, weird that's great.

173
00:07:44,760 --> 00:07:47,240
Speaker 6: And then when your best friend's baby is a year

174
00:07:47,240 --> 00:07:48,200
Speaker 6: old you give it back.

175
00:07:48,320 --> 00:07:50,800
Speaker 4: Yes, it's like a little cycles.

176
00:07:50,320 --> 00:07:52,000
Speaker 2: Tiny little economy.

177
00:07:52,240 --> 00:07:55,560
Speaker 5: Yeah, cool, very clever from Kelly. Next, I've got money

178
00:07:55,640 --> 00:07:58,400
Speaker 5: in from Claire, who said I wanted to use my

179
00:07:58,560 --> 00:08:02,040
Speaker 5: private health insurance allowed on glasses, but I really didn't

180
00:08:02,240 --> 00:08:04,960
Speaker 5: like any of the new frames better than her old ones,

181
00:08:05,200 --> 00:08:07,040
Speaker 5: and the lenses of her old ones were scuffed, which

182
00:08:07,080 --> 00:08:09,440
Speaker 5: is why she was getting new ones. Turns out you

183
00:08:09,480 --> 00:08:12,560
Speaker 5: can pay to just replace the lenses in your glasses,

184
00:08:12,880 --> 00:08:15,200
Speaker 5: which she only had to pay about fifteen dollars out

185
00:08:15,200 --> 00:08:17,440
Speaker 5: of pocket for as opposed to what she would usually

186
00:08:17,440 --> 00:08:19,200
Speaker 5: pay out of pocket which is about one hundred bucks.

187
00:08:19,320 --> 00:08:20,840
Speaker 2: Oh my god, good would she do that?

188
00:08:20,880 --> 00:08:22,400
Speaker 5: I didn't even know you could do this, didn't but

189
00:08:22,440 --> 00:08:24,680
Speaker 5: I would assume most surely.

190
00:08:24,920 --> 00:08:27,520
Speaker 2: Yeah, cool, okay, I didn't even know that was an option.

191
00:08:27,640 --> 00:08:31,280
Speaker 5: I love that byo frames, good little saving. Next, I've

192
00:08:31,280 --> 00:08:33,120
Speaker 5: got a win from Gemma, who said she took her

193
00:08:33,160 --> 00:08:36,200
Speaker 5: girlfriend shopping as she needed a new winter wardrobe, and

194
00:08:36,240 --> 00:08:39,000
Speaker 5: she managed to get her nearly three hundred dollar bill

195
00:08:39,160 --> 00:08:42,280
Speaker 5: down to one hundred and twenty dollars for how by

196
00:08:42,360 --> 00:08:45,960
Speaker 5: asking the cashier to price match online sale prices, which

197
00:08:46,000 --> 00:08:47,760
Speaker 5: the girl was more than happy to do. And they

198
00:08:47,760 --> 00:08:48,679
Speaker 5: nearly didn't ask.

199
00:08:48,840 --> 00:08:51,080
Speaker 2: Oh my god, cool, that's a lot that.

200
00:08:51,160 --> 00:08:52,920
Speaker 4: It's a lot, a lot saving.

201
00:08:53,760 --> 00:08:56,920
Speaker 5: Don't ask, don't get we always say yes. Lastly, I've

202
00:08:56,920 --> 00:08:59,160
Speaker 5: got a money win from Tanya, who said she put

203
00:08:59,200 --> 00:09:01,640
Speaker 5: some poor paws in box out the front to give away,

204
00:09:01,800 --> 00:09:04,000
Speaker 5: just you know, like free take as you please, nice

205
00:09:04,000 --> 00:09:05,000
Speaker 5: little community moment.

206
00:09:05,280 --> 00:09:06,920
Speaker 4: Someone tugged five bucks in the front gates.

207
00:09:06,960 --> 00:09:09,160
Speaker 2: So thank you, well, thank you sir.

208
00:09:09,440 --> 00:09:14,040
Speaker 3: Yeah, I know, I just I hadn't considered that that

209
00:09:14,080 --> 00:09:15,000
Speaker 3: fruit was in season.

210
00:09:15,840 --> 00:09:16,240
Speaker 2: Me neither.

211
00:09:16,280 --> 00:09:18,319
Speaker 4: Actually, what do you get a pourpole? And I've never

212
00:09:18,400 --> 00:09:19,480
Speaker 4: had a purport either.

213
00:09:19,800 --> 00:09:23,280
Speaker 2: They must be from Queensland or somewhere nice and sunny.

214
00:09:23,360 --> 00:09:25,200
Speaker 3: Someone nice and sonny because like all I've got in

215
00:09:25,200 --> 00:09:28,000
Speaker 3: my garden, which is quite niche as well, like Purport

216
00:09:28,120 --> 00:09:30,160
Speaker 3: isn't you know fruit where you go to buy apples

217
00:09:30,160 --> 00:09:30,679
Speaker 3: and oranges?

218
00:09:30,760 --> 00:09:33,679
Speaker 2: Right, I've got a fijoa tree piles.

219
00:09:33,960 --> 00:09:38,439
Speaker 3: Yeah, fijo a tree, Like if you're a keyway, you're like, oh, yes, fijoeers.

220
00:09:38,480 --> 00:09:39,920
Speaker 2: But I hate them.

221
00:09:40,040 --> 00:09:42,840
Speaker 3: They are awful, Like I wish I liked them, Like

222
00:09:42,880 --> 00:09:45,160
Speaker 3: I wish I could swap my fijoa tree for like

223
00:09:45,360 --> 00:09:48,120
Speaker 3: a fig tree or something I actually enjoy. But I

224
00:09:48,240 --> 00:09:51,120
Speaker 3: have an abundance of fora joeas and if you're a keyway,

225
00:09:51,120 --> 00:09:51,840
Speaker 3: they're hard to come by.

226
00:09:51,840 --> 00:09:53,200
Speaker 2: I can't get them in the supermarket.

227
00:09:53,520 --> 00:09:55,280
Speaker 3: So I put a box of them up on Facebook

228
00:09:55,320 --> 00:09:56,920
Speaker 3: Marketplace the other day because I was like, I just

229
00:09:56,920 --> 00:10:00,720
Speaker 3: don't want them going to waste in undated with messages

230
00:10:00,720 --> 00:10:01,360
Speaker 3: from Kiwai.

231
00:10:01,400 --> 00:10:03,439
Speaker 2: So we're like, give me them, feed joeys, and I

232
00:10:03,480 --> 00:10:06,280
Speaker 2: was like, ah, Sorrey, they're already gone. Can you bring

233
00:10:06,320 --> 00:10:08,200
Speaker 2: something for us? I can bring you on I never

234
00:10:08,280 --> 00:10:09,800
Speaker 2: can try. God of.

235
00:10:10,160 --> 00:10:12,320
Speaker 3: I had to google how to eat them because I

236
00:10:12,360 --> 00:10:14,440
Speaker 3: thought that my problem was that I was eating it

237
00:10:14,520 --> 00:10:16,800
Speaker 3: like incorrectly, like eating the skin or something which you're

238
00:10:16,840 --> 00:10:19,360
Speaker 3: not meant to do. Turns out I was eating them incorrectly.

239
00:10:19,600 --> 00:10:23,360
Speaker 3: I see, yeah, but turns out they to me tastes

240
00:10:23,400 --> 00:10:24,720
Speaker 3: not that good, So I am sorry.

241
00:10:24,800 --> 00:10:28,600
Speaker 2: Oh interesting, cut that out. They're kind of like trash.

242
00:10:28,800 --> 00:10:31,560
Speaker 5: But yeah, people are gonna cover us.

243
00:10:32,480 --> 00:10:34,760
Speaker 2: Let's move on. I'm scared. Personally, I'm scared. I'm glad.

244
00:10:34,760 --> 00:10:37,480
Speaker 2: I'm literally leaving the country. Leave the country. I will

245
00:10:37,520 --> 00:10:38,240
Speaker 2: too on Sunday.

246
00:10:38,240 --> 00:10:38,440
Speaker 5: Bye.

247
00:10:38,880 --> 00:10:41,319
Speaker 2: But let's move on. What are your broke tips of

248
00:10:41,360 --> 00:10:41,960
Speaker 2: the week back?

249
00:10:42,320 --> 00:10:44,880
Speaker 6: Okay, so as per, I have two from the community,

250
00:10:44,880 --> 00:10:48,559
Speaker 6: one for myself side. I know that's really give you

251
00:10:48,600 --> 00:10:50,920
Speaker 6: guys on your toes. So the first one comes from Danny,

252
00:10:50,960 --> 00:10:54,480
Speaker 6: who says that paid market research Australia wide is a

253
00:10:54,520 --> 00:10:57,880
Speaker 6: great place to earn some extra pocket money. So this

254
00:10:57,960 --> 00:10:59,679
Speaker 6: is one that similar to what I said the other

255
00:10:59,720 --> 00:11:01,920
Speaker 6: week about like, you know, clinical trials and things like that.

256
00:11:02,160 --> 00:11:05,240
Speaker 6: I don't actually know. I think it's kind of different.

257
00:11:05,280 --> 00:11:07,760
Speaker 6: Maybe it's like surveys or something in that, you know,

258
00:11:07,840 --> 00:11:11,240
Speaker 6: kind of realm. But yeah, paid market research Australia is

259
00:11:11,240 --> 00:11:12,640
Speaker 6: a great place to go if you just want a

260
00:11:12,679 --> 00:11:14,600
Speaker 6: little bit of extra cash to scott to if you're

261
00:11:14,679 --> 00:11:15,680
Speaker 6: like maybe struggling with it.

262
00:11:15,800 --> 00:11:17,160
Speaker 2: Whatever you need a for hot tip.

263
00:11:17,320 --> 00:11:18,480
Speaker 4: I've done two in the last week.

264
00:11:18,600 --> 00:11:20,800
Speaker 2: Have you actually make CHURCHI bucks?

265
00:11:20,920 --> 00:11:22,000
Speaker 4: What bucks per thing?

266
00:11:22,080 --> 00:11:22,320
Speaker 5: Yeah?

267
00:11:22,520 --> 00:11:25,640
Speaker 2: Sorry? What that's not like four dollars? Yeah, that's not.

268
00:11:25,640 --> 00:11:27,600
Speaker 3: Like I spent two hours on a survey and I

269
00:11:27,600 --> 00:11:30,240
Speaker 3: made seven dollars, which I'm like like, yeah, that is

270
00:11:30,240 --> 00:11:32,360
Speaker 3: free money, but like seven dollars to two hours of

271
00:11:32,360 --> 00:11:33,120
Speaker 3: my time.

272
00:11:33,080 --> 00:11:34,240
Speaker 2: Jess, what did you do?

273
00:11:34,640 --> 00:11:34,800
Speaker 1: So?

274
00:11:35,200 --> 00:11:37,560
Speaker 5: Market research is a little bit different generally from surveys

275
00:11:37,559 --> 00:11:39,360
Speaker 5: because they get you on, like the ones that I did,

276
00:11:39,400 --> 00:11:41,520
Speaker 5: at least they get you on like a zoom You

277
00:11:41,600 --> 00:11:44,200
Speaker 5: might have an activity to do beforehand or something. It's

278
00:11:44,360 --> 00:11:46,160
Speaker 5: you know, a company is paying this company to do

279
00:11:46,240 --> 00:11:47,839
Speaker 5: the market research, and you might be in a group

280
00:11:47,960 --> 00:11:50,080
Speaker 5: we might put by yourself. Sure you can do ones

281
00:11:50,120 --> 00:11:52,280
Speaker 5: in person, but I only do them on Zoom because

282
00:11:52,280 --> 00:11:54,320
Speaker 5: they live like far away for everything, so it's just easier.

283
00:11:54,600 --> 00:11:57,120
Speaker 5: The ones that I did were literally they said to

284
00:11:57,200 --> 00:11:58,640
Speaker 5: allow like an hour and a half, but they only

285
00:11:58,640 --> 00:12:02,080
Speaker 5: took forty five minutes literally powered through, and then I

286
00:12:02,120 --> 00:12:03,400
Speaker 5: get like one hundred dollars gift card.

287
00:12:03,520 --> 00:12:04,079
Speaker 4: What are they doing?

288
00:12:04,480 --> 00:12:06,199
Speaker 2: Like are they asking you about like, oh, do you

289
00:12:06,240 --> 00:12:07,520
Speaker 2: eat Regie might or like what.

290
00:12:08,480 --> 00:12:10,680
Speaker 5: One of them was about an app and like the

291
00:12:10,760 --> 00:12:13,640
Speaker 5: usability of an app and it was related to travel

292
00:12:13,679 --> 00:12:15,760
Speaker 5: and it was good because I actually used the app before.

293
00:12:16,040 --> 00:12:16,240
Speaker 3: Cool.

294
00:12:16,320 --> 00:12:18,280
Speaker 5: And so they screen everyone in at the start, so

295
00:12:18,320 --> 00:12:20,880
Speaker 5: like the company will send out an email saying we're

296
00:12:20,880 --> 00:12:23,200
Speaker 5: looking for people that fit this demographic like this age,

297
00:12:23,240 --> 00:12:26,320
Speaker 5: this gender, maybe like this location, and then maybe like

298
00:12:26,360 --> 00:12:28,800
Speaker 5: a has traveled overseas in the last year or you know,

299
00:12:28,920 --> 00:12:31,720
Speaker 5: depending on what they're screening for, and then you respond

300
00:12:31,840 --> 00:12:33,640
Speaker 5: and then if you fit it, they'll call you and

301
00:12:33,800 --> 00:12:35,800
Speaker 5: screen you again and just make sure that you're.

302
00:12:35,760 --> 00:12:36,559
Speaker 2: Not making it up.

303
00:12:36,720 --> 00:12:38,160
Speaker 5: Yeah, And I think they need to have like a

304
00:12:38,200 --> 00:12:40,559
Speaker 5: diverse range of people probably, so they kind of fit

305
00:12:40,600 --> 00:12:42,440
Speaker 5: people into categories. And then if you make it through,

306
00:12:42,760 --> 00:12:44,320
Speaker 5: they're like send you the link and you get on

307
00:12:44,400 --> 00:12:45,880
Speaker 5: and you answer their question and they send you the

308
00:12:45,880 --> 00:12:46,240
Speaker 5: gift card.

309
00:12:46,280 --> 00:12:47,760
Speaker 4: They say thank you so much, and I go, you

310
00:12:47,800 --> 00:12:48,920
Speaker 4: are most welcome.

311
00:12:50,520 --> 00:12:51,400
Speaker 2: Money exactly.

312
00:12:52,000 --> 00:12:54,040
Speaker 5: Reach is great, Like there's lots of companies that do it,

313
00:12:54,080 --> 00:12:56,360
Speaker 5: and generally, like once you sign up to their email list,

314
00:12:56,440 --> 00:13:00,000
Speaker 5: they'll send you like regular emails, which yes, she's.

315
00:12:59,880 --> 00:13:02,360
Speaker 2: Just been doing all this stuff. Yes, we didn't even

316
00:13:02,400 --> 00:13:03,079
Speaker 2: know it was an option.

317
00:13:03,840 --> 00:13:05,120
Speaker 5: One thing about me is if there's a way to

318
00:13:05,160 --> 00:13:06,439
Speaker 5: make money doing it, I'm doing it.

319
00:13:06,640 --> 00:13:11,559
Speaker 6: Okay, Well, chips are now by jests totally.

320
00:13:11,800 --> 00:13:15,400
Speaker 3: No no, no carry on, carry on, expects better at

321
00:13:15,400 --> 00:13:16,679
Speaker 3: them anyway.

322
00:13:16,840 --> 00:13:18,800
Speaker 2: Sorry, thank you guys. Okay.

323
00:13:18,800 --> 00:13:20,920
Speaker 6: The next one comes from Shannon, who says that her

324
00:13:20,960 --> 00:13:25,160
Speaker 6: counsel does rebates for reusable period products and cloth nappies

325
00:13:25,200 --> 00:13:28,720
Speaker 6: and reusable nursing pads. So this one is wittle see,

326
00:13:28,840 --> 00:13:30,920
Speaker 6: so do check your local council website because you might

327
00:13:30,960 --> 00:13:31,679
Speaker 6: have a similar thing.

328
00:13:31,720 --> 00:13:33,960
Speaker 2: I don't. I haven't checked mine. I didn't even know

329
00:13:34,000 --> 00:13:36,439
Speaker 2: that was the thing up. Now, how cool because I

330
00:13:36,440 --> 00:13:38,920
Speaker 2: will save you fair bit of money, absolutely it would.

331
00:13:39,000 --> 00:13:42,080
Speaker 2: And what's yours? Beck? Mine is actually you get this

332
00:13:42,200 --> 00:13:49,560
Speaker 2: green before you tell us we are open ears for you. Beck.

333
00:13:50,000 --> 00:13:51,800
Speaker 6: This one's double because I thought, like the one that

334
00:13:51,840 --> 00:13:53,920
Speaker 6: I wanted to go with is really really silly. And

335
00:13:53,960 --> 00:13:56,719
Speaker 6: then but my actual one that's kind of helpful. It

336
00:13:57,040 --> 00:13:59,400
Speaker 6: is it is common sensical. But I guess like, obviously

337
00:13:59,400 --> 00:14:01,240
Speaker 6: I'm going to japair. What I did was I just

338
00:14:01,240 --> 00:14:03,520
Speaker 6: like called up all my you know, Jim, I'll go

339
00:14:03,559 --> 00:14:05,520
Speaker 6: to BFT now in all these different things, and I

340
00:14:05,600 --> 00:14:07,520
Speaker 6: just like froze for the period of time that I'm

341
00:14:07,559 --> 00:14:09,840
Speaker 6: going for. Yes, so that's a really good idea if

342
00:14:09,880 --> 00:14:10,280
Speaker 6: you were just.

343
00:14:10,240 --> 00:14:12,440
Speaker 2: Like so really proactive because most dian you get to

344
00:14:12,480 --> 00:14:14,240
Speaker 2: do that stuff. Thank you so much. To be fair,

345
00:14:15,400 --> 00:14:18,319
Speaker 2: I think this is not something you would have done

346
00:14:18,360 --> 00:14:21,680
Speaker 2: last year. You're so right. Who is she so much?

347
00:14:22,120 --> 00:14:24,680
Speaker 6: It's the girlfriend glow up, I would say, But I

348
00:14:24,720 --> 00:14:26,160
Speaker 6: also want to attribute some of this to you.

349
00:14:26,160 --> 00:14:27,680
Speaker 2: You just want to talk you about your girlfriend.

350
00:14:28,080 --> 00:14:30,720
Speaker 3: That's very kind to I just wanted an opportunity to

351
00:14:30,760 --> 00:14:33,080
Speaker 3: talk about your girlfriend, Jess, who is not the jest

352
00:14:33,160 --> 00:14:35,440
Speaker 3: at this table, not just not the jest at this table,

353
00:14:35,480 --> 00:14:38,360
Speaker 3: but like, Jess is a great name. We are finding it. Oh, yes,

354
00:14:38,520 --> 00:14:40,560
Speaker 3: her name is Jess. You Probabs, just real hot, You

355
00:14:40,680 --> 00:14:41,120
Speaker 3: a good person.

356
00:14:41,160 --> 00:14:43,400
Speaker 2: You're probably my friend. I'm sorry, and I'm going to

357
00:14:43,440 --> 00:14:45,920
Speaker 2: stop mentioning her. Okay, No, we wanted to come up

358
00:14:45,920 --> 00:14:47,120
Speaker 2: all the time. That's this week.

359
00:14:47,320 --> 00:14:48,600
Speaker 6: The other one that was the one I wanted to

360
00:14:48,640 --> 00:14:51,640
Speaker 6: go with. It's I'm promising this is real. So my friend,

361
00:14:51,760 --> 00:14:55,400
Speaker 6: my housemate and friend Alison, downloaded this thing. It's called

362
00:14:55,480 --> 00:15:00,440
Speaker 6: cash app, and you basically just play games. She stayed

363
00:15:00,520 --> 00:15:03,080
Speaker 6: up until six am and made like a dollar sixty.

364
00:15:03,200 --> 00:15:07,320
Speaker 6: Sound I know that that's not much money, but really,

365
00:15:07,800 --> 00:15:11,600
Speaker 6: if you what's the cost of sleep exactly, and if

366
00:15:11,640 --> 00:15:14,600
Speaker 6: you're really really struggling, that dollar sixty literally could buy

367
00:15:14,640 --> 00:15:17,480
Speaker 6: you a can of sardines or a little thing of rights,

368
00:15:17,520 --> 00:15:18,000
Speaker 6: Like if.

369
00:15:17,920 --> 00:15:20,200
Speaker 2: You I'm not disagreeing, like that is a great idea.

370
00:15:20,240 --> 00:15:22,120
Speaker 4: How do you just success the money? How does it work?

371
00:15:22,160 --> 00:15:22,400
Speaker 3: Okay?

372
00:15:22,640 --> 00:15:25,680
Speaker 6: Putting it? You can link your PayPal to it. Sorry,

373
00:15:25,720 --> 00:15:27,920
Speaker 6: it's called free cash. I know that sounds like a

374
00:15:27,960 --> 00:15:28,480
Speaker 6: big scam.

375
00:15:28,600 --> 00:15:34,960
Speaker 2: It sounds like scam. That's screaming scam. It is screaming scam.

376
00:15:35,280 --> 00:15:36,880
Speaker 2: But you kind of like on there.

377
00:15:36,920 --> 00:15:38,800
Speaker 6: It has like different games that you can download, so

378
00:15:38,840 --> 00:15:41,040
Speaker 6: you download separately. The one I'm playing right now is

379
00:15:41,040 --> 00:15:43,760
Speaker 6: Alice's Dream and if you get to level ten, you

380
00:15:43,800 --> 00:15:45,840
Speaker 6: make like seven dollars or something, and then you get

381
00:15:45,840 --> 00:15:48,520
Speaker 6: to level fifteen, better than seventeen dollars, but does take

382
00:15:48,560 --> 00:15:49,360
Speaker 6: a long time to get there.

383
00:15:49,440 --> 00:15:51,479
Speaker 2: Okay, Well, I'm proud of you and your tenacity.

384
00:15:51,800 --> 00:15:53,240
Speaker 5: Just make sure you read the teas and c's on

385
00:15:53,280 --> 00:15:55,360
Speaker 5: anything you download, because I feel like with stuff like that,

386
00:15:55,400 --> 00:15:56,320
Speaker 5: they're selling your data.

387
00:15:56,680 --> 00:15:58,280
Speaker 4: Yeah, there's there's.

388
00:15:58,080 --> 00:16:02,480
Speaker 2: No making webca totally watching you sleep. I'm saying, take

389
00:16:02,520 --> 00:16:04,440
Speaker 2: my data, watch me sleep. I don't mind.

390
00:16:04,640 --> 00:16:09,040
Speaker 3: You know what, people are only scammed if it's not consensually.

391
00:16:09,160 --> 00:16:10,000
Speaker 2: She's in on it.

392
00:16:10,040 --> 00:16:12,160
Speaker 3: Actually, that's a before we go to the break. I

393
00:16:12,200 --> 00:16:15,080
Speaker 3: have recently discovered a new podcast which Brooke from our

394
00:16:15,120 --> 00:16:17,200
Speaker 3: team recommended to me. Because I had a really big

395
00:16:17,280 --> 00:16:20,120
Speaker 3: drive last week. Because I'm a genius, I decided to

396
00:16:20,200 --> 00:16:24,080
Speaker 3: drive to Woggle Wogger and back instead of just flying there.

397
00:16:24,280 --> 00:16:25,000
Speaker 4: Crazy cool.

398
00:16:25,320 --> 00:16:28,200
Speaker 3: The flight times weren't working for me, and I just, oh,

399
00:16:28,280 --> 00:16:30,800
Speaker 3: I just I felt like a little solo road trip

400
00:16:30,880 --> 00:16:33,640
Speaker 3: was a good idea. So I asked for a recommendation

401
00:16:33,680 --> 00:16:36,160
Speaker 3: of a podcast, and she recommended Scam Fluences.

402
00:16:36,320 --> 00:16:39,200
Speaker 2: I love that. Have you listened to it? Why didn't

403
00:16:39,200 --> 00:16:41,280
Speaker 2: you recommend it before? I am in love?

404
00:16:41,640 --> 00:16:43,080
Speaker 6: I'm very sorry. I just didn't want to take anyone

405
00:16:43,080 --> 00:16:44,400
Speaker 6: away from She's on the Money podcast.

406
00:16:44,560 --> 00:16:46,640
Speaker 3: No, no, no, no, We're a podcast to give you

407
00:16:46,720 --> 00:16:50,280
Speaker 3: good podcast recommendations like that's who we are, Like I

408
00:16:50,480 --> 00:16:54,400
Speaker 3: will spread the pod love, but Scamfluences Jess, oh my gosh.

409
00:16:54,400 --> 00:16:57,000
Speaker 3: Each episode does a deep dive into a different scam

410
00:16:57,360 --> 00:17:00,720
Speaker 3: and they're like do It's like it's a true crime

411
00:17:00,760 --> 00:17:03,000
Speaker 3: podcast is set up in the same kind of way

412
00:17:03,120 --> 00:17:04,960
Speaker 3: where they're like, you know, deep dive into the history

413
00:17:05,000 --> 00:17:06,760
Speaker 3: and what they did and then how they came to

414
00:17:06,800 --> 00:17:09,480
Speaker 3: their downfall. And I'm just like this is so juicy.

415
00:17:09,720 --> 00:17:12,760
Speaker 3: So like, obviously big scam, it's like Bill Gibson not covied.

416
00:17:12,920 --> 00:17:15,840
Speaker 3: It's the smaller ones that are like, you know this

417
00:17:15,960 --> 00:17:20,040
Speaker 3: person did yeah wildlf Yes as great. I'm gonna go

418
00:17:20,080 --> 00:17:20,919
Speaker 3: listen to that right after this.

419
00:17:21,040 --> 00:17:23,359
Speaker 2: You'll hear me on there soon talking about free cash app.

420
00:17:23,640 --> 00:17:25,800
Speaker 3: Yeah, yeah, yeah, that's gonna be on there. They're gonna

421
00:17:25,800 --> 00:17:29,040
Speaker 3: be like, so beg haha, big joke. She's part of

422
00:17:29,119 --> 00:17:32,240
Speaker 3: She's on the money and God scammed. Anyway, let's go

423
00:17:32,280 --> 00:17:33,760
Speaker 3: to a rake on the flip side, we're gonna be

424
00:17:33,800 --> 00:17:37,359
Speaker 3: talking about the cost of traveling to family commitments, but

425
00:17:37,440 --> 00:17:39,959
Speaker 3: also we're answering a money dilemma, which this week is

426
00:17:40,000 --> 00:17:41,680
Speaker 3: all about inheriting debt.

427
00:17:41,840 --> 00:17:43,480
Speaker 2: So don't go anywhere, guys.

428
00:17:47,400 --> 00:17:49,800
Speaker 4: Welcome back, everybody. Let's take a listen to this week's

429
00:17:49,800 --> 00:17:50,640
Speaker 4: money dilemma.

430
00:17:53,200 --> 00:17:55,600
Speaker 3: Hi, there, have you got a money dilemma? You just

431
00:17:55,600 --> 00:17:58,120
Speaker 3: can't solve that. She's on the Money team is here

432
00:17:58,160 --> 00:18:01,400
Speaker 3: to help. Every week, we have your dilemmas, both big

433
00:18:01,440 --> 00:18:04,199
Speaker 3: and small, to answer your most burning money, career and

434
00:18:04,240 --> 00:18:07,400
Speaker 3: life questions. To get involved, simply head to our website

435
00:18:07,440 --> 00:18:09,560
Speaker 3: and leave us a short voice recording and you might

436
00:18:09,640 --> 00:18:12,159
Speaker 3: just find yourself on the show. Now, let's take a

437
00:18:12,200 --> 00:18:13,960
Speaker 3: listen to this week's money dilemma.

438
00:18:15,720 --> 00:18:19,280
Speaker 2: Hello everyone, She's on the Money. Longtime listener, love the podcast.

439
00:18:19,680 --> 00:18:22,320
Speaker 2: This is less of a dilemma and more.

440
00:18:22,119 --> 00:18:24,840
Speaker 7: Of a random thought that I had that it might

441
00:18:24,840 --> 00:18:27,160
Speaker 7: be helpful with other people. Is I was thinking about

442
00:18:27,160 --> 00:18:29,800
Speaker 7: my future finances and getting everything set up, and then

443
00:18:29,880 --> 00:18:33,159
Speaker 7: I thought about when my parents eventually die, which is

444
00:18:33,200 --> 00:18:36,239
Speaker 7: really grim and sad. But I also thought and to

445
00:18:36,320 --> 00:18:39,399
Speaker 7: ask them, am I going to inherit debt? Which was

446
00:18:39,440 --> 00:18:42,080
Speaker 7: really important because my parents own a business, and I

447
00:18:42,119 --> 00:18:43,560
Speaker 7: wanted to make sure that if I was planning for

448
00:18:43,600 --> 00:18:46,080
Speaker 7: the future, if debt was going to come back on me.

449
00:18:46,200 --> 00:18:48,879
Speaker 7: And I thought, maybe if that's something that everyone should

450
00:18:48,880 --> 00:18:50,320
Speaker 7: be asking, Yeah.

451
00:18:50,359 --> 00:18:54,080
Speaker 6: Oh, great question. I never really even thought about that.

452
00:18:54,119 --> 00:18:56,160
Speaker 5: I just said, it's genuinely a thought that has never

453
00:18:56,200 --> 00:18:58,439
Speaker 5: in my entire life crossed my mind. And it's a

454
00:18:58,560 --> 00:19:01,240
Speaker 5: very good question that we've probably maybe should be asking.

455
00:19:01,680 --> 00:19:04,560
Speaker 3: It is a very big question, and I mean, lots

456
00:19:04,600 --> 00:19:06,760
Speaker 3: of people are going to worry what happens to their

457
00:19:06,800 --> 00:19:09,560
Speaker 3: debts after they die. But then also it's a very

458
00:19:09,640 --> 00:19:12,320
Speaker 3: valid concern if you know that someone carries a lot

459
00:19:12,320 --> 00:19:15,480
Speaker 3: of debt and you know you might be their next

460
00:19:15,520 --> 00:19:16,880
Speaker 3: of kin or you might.

461
00:19:16,720 --> 00:19:18,160
Speaker 2: Be the person in their wills.

462
00:19:18,160 --> 00:19:20,320
Speaker 3: So, like, I get it, it's a more bid topic,

463
00:19:20,400 --> 00:19:23,359
Speaker 3: but sometimes we have to have these uncomfortable conversations to

464
00:19:23,359 --> 00:19:25,760
Speaker 3: get ahead in life, right, and like it's better to

465
00:19:25,840 --> 00:19:28,680
Speaker 3: have this conversation now than laid it down the track,

466
00:19:28,720 --> 00:19:30,800
Speaker 3: because hopefully this inspires you to get your will and

467
00:19:30,840 --> 00:19:33,440
Speaker 3: your estate planning set up, which you should be doing anyway.

468
00:19:34,080 --> 00:19:36,600
Speaker 3: But essentially, long story short, if you don't want to

469
00:19:36,640 --> 00:19:39,160
Speaker 3: keep listening to me, no you don't usually inherit debt.

470
00:19:39,520 --> 00:19:43,200
Speaker 3: But essentially what happens is your executor of your will

471
00:19:43,560 --> 00:19:46,520
Speaker 3: is responsible for collecting and then distributing all of the

472
00:19:46,600 --> 00:19:48,920
Speaker 3: assets of your estate, so your state's just all the

473
00:19:48,960 --> 00:19:52,160
Speaker 3: stuff that you own. Firstly, they have to pay any debts,

474
00:19:52,400 --> 00:19:55,280
Speaker 3: so like if there is an outstanding debt, like they've

475
00:19:55,280 --> 00:19:57,600
Speaker 3: got a mortgage for example, and let's say the mortgage

476
00:19:57,640 --> 00:19:59,600
Speaker 3: still has two hundred thousand dollars left on it, and

477
00:19:59,600 --> 00:20:02,919
Speaker 3: then superannuation and they've got, you know, some savings and stuff.

478
00:20:02,920 --> 00:20:04,640
Speaker 2: They just hadn't paid off their mortgage.

479
00:20:04,960 --> 00:20:07,880
Speaker 3: Your super and your savings and all of your other

480
00:20:07,960 --> 00:20:11,400
Speaker 3: assets will be used to extinguish that debt first, so

481
00:20:11,520 --> 00:20:14,200
Speaker 3: it'll kind of like balance itself out, and then whatever

482
00:20:14,320 --> 00:20:17,920
Speaker 3: left at the end, that's then what is distributed from

483
00:20:17,960 --> 00:20:19,600
Speaker 3: the estate. You're not just going to get all their

484
00:20:19,600 --> 00:20:21,720
Speaker 3: savings and then you know, get rid of their debt

485
00:20:21,760 --> 00:20:23,840
Speaker 3: and it just gets written off like they're a state

486
00:20:23,880 --> 00:20:26,040
Speaker 3: will pay for it. But essentially, when a person dies,

487
00:20:26,280 --> 00:20:28,959
Speaker 3: any debt that they have paid off by any money

488
00:20:29,280 --> 00:20:32,159
Speaker 3: or property that they have. So let's say back to

489
00:20:32,200 --> 00:20:35,200
Speaker 3: that example, they pass away, they have two hundred thousand

490
00:20:35,200 --> 00:20:37,919
Speaker 3: dollars left on their mortgage but no assets. The property

491
00:20:37,960 --> 00:20:40,639
Speaker 3: will have to be sold to pay back their debt,

492
00:20:41,080 --> 00:20:44,359
Speaker 3: or the family members might be offered the opportunity to

493
00:20:44,400 --> 00:20:46,840
Speaker 3: go all right, well, you know save something happened to

494
00:20:46,880 --> 00:20:49,159
Speaker 3: me yesterday, Jess, and you were inheriting all my stuff

495
00:20:49,160 --> 00:20:51,680
Speaker 3: and you were inheriting debt. They would say, oh, well,

496
00:20:51,760 --> 00:20:53,800
Speaker 3: Jess to keep her house. You can either tip in

497
00:20:53,840 --> 00:20:56,560
Speaker 3: that two hundred grand or you can just sell it

498
00:20:56,600 --> 00:20:59,040
Speaker 3: and extinguish the debt and then take what's left over,

499
00:20:59,720 --> 00:21:02,159
Speaker 3: and does happen in a lot of circumstances, and then

500
00:21:02,160 --> 00:21:05,159
Speaker 3: the remaining assets are given to the people nominated in

501
00:21:05,200 --> 00:21:08,800
Speaker 3: the will or the beneficiaries. So the people nominated in

502
00:21:08,800 --> 00:21:11,240
Speaker 3: the will are known as a beneficiary because you benefit

503
00:21:11,440 --> 00:21:16,200
Speaker 3: from that will being in place. The executor is responsible

504
00:21:16,240 --> 00:21:18,880
Speaker 3: for making sure that whatever debts need to be repaid

505
00:21:18,960 --> 00:21:23,000
Speaker 3: are repaid, and that executor is either somebody that's listed

506
00:21:23,000 --> 00:21:25,920
Speaker 3: in the will, or an estate planning lawyer or somebody

507
00:21:26,000 --> 00:21:29,480
Speaker 3: who's been appointed to run that and they actually have

508
00:21:29,520 --> 00:21:33,919
Speaker 3: to advertise asking for any creditors before they distribute that money,

509
00:21:33,960 --> 00:21:36,920
Speaker 3: which is honestly, you would have never thought, I have

510
00:21:37,000 --> 00:21:39,680
Speaker 3: just thought go into their bank account, but they do,

511
00:21:40,119 --> 00:21:42,800
Speaker 3: and if there's any money in the estate, the executor will.

512
00:21:42,680 --> 00:21:44,520
Speaker 2: Pay off all of the debts owed to.

513
00:21:44,600 --> 00:21:47,600
Speaker 3: Those creditors using that money before you see it, Jess

514
00:21:47,600 --> 00:21:50,400
Speaker 3: from me, because I passed away yesterday. And if there

515
00:21:50,480 --> 00:21:52,640
Speaker 3: is not enough money in the estate, which is what

516
00:21:52,680 --> 00:21:54,320
Speaker 3: you are all thinking, I know you want to know

517
00:21:54,359 --> 00:21:56,960
Speaker 3: the answer to this, the executor will sell the property

518
00:21:57,040 --> 00:21:59,800
Speaker 3: and then use money from that sale.

519
00:22:00,359 --> 00:22:02,040
Speaker 2: If there is not enough money in the.

520
00:22:02,119 --> 00:22:06,399
Speaker 3: Estate after all assets are sold, the debts might not

521
00:22:06,480 --> 00:22:09,760
Speaker 3: need to be paid off, which is a breath of

522
00:22:09,760 --> 00:22:11,359
Speaker 3: fresh air to a lot of people who might be

523
00:22:11,440 --> 00:22:14,280
Speaker 3: really scared of inheriting significant amounts of debt.

524
00:22:14,359 --> 00:22:17,160
Speaker 2: So other people are only responsible for.

525
00:22:17,240 --> 00:22:20,760
Speaker 3: Debt if that debt is secured against an asset that

526
00:22:20,880 --> 00:22:23,360
Speaker 3: is owned by someone else, So like if we had

527
00:22:23,359 --> 00:22:25,840
Speaker 3: a owned house, or like you know, we owned a

528
00:22:25,880 --> 00:22:29,439
Speaker 3: car together or something, Jess, or the debt is in

529
00:22:29,480 --> 00:22:31,560
Speaker 3: the joint names of somebody else. So like if we

530
00:22:31,560 --> 00:22:34,280
Speaker 3: were married and you were inheriting all of my stuff,

531
00:22:34,320 --> 00:22:37,080
Speaker 3: well then it's your debt too, like it's your mortgage.

532
00:22:37,080 --> 00:22:38,479
Speaker 2: Two you don't just get it for free.

533
00:22:38,960 --> 00:22:42,640
Speaker 3: Or if someone has guaranteed the debt, so sure, that's

534
00:22:42,680 --> 00:22:45,359
Speaker 3: where a guaranteur comes in. So let's say, Jess, like

535
00:22:45,400 --> 00:22:47,400
Speaker 3: you're in the home buying market at the moment, which

536
00:22:47,440 --> 00:22:49,639
Speaker 3: I need to ask her about off air, got some

537
00:22:49,760 --> 00:22:51,920
Speaker 3: updates I would like to chase up, which one day

538
00:22:51,960 --> 00:22:54,479
Speaker 3: we'll make it to the show. But if you and

539
00:22:54,480 --> 00:22:57,320
Speaker 3: I were purchasing a house and I guarantewed it and

540
00:22:57,359 --> 00:23:00,679
Speaker 3: then you passed away yesterday, I would be liable for

541
00:23:00,680 --> 00:23:02,560
Speaker 3: that debt ye a garranty?

542
00:23:02,720 --> 00:23:03,879
Speaker 2: Yeah, does that make sense.

543
00:23:03,960 --> 00:23:07,000
Speaker 3: So it's also really important to understand the difference between

544
00:23:07,000 --> 00:23:10,240
Speaker 3: secured and unsecured debts. So a secure debt is something

545
00:23:10,320 --> 00:23:12,960
Speaker 3: like a mortgage when a creditor lends you money, but

546
00:23:13,040 --> 00:23:15,880
Speaker 3: they take security, so they kind of go, oh, well, Beck,

547
00:23:16,000 --> 00:23:17,520
Speaker 3: we'll give you the money for this house, but we

548
00:23:17,600 --> 00:23:20,320
Speaker 3: know that if you know, the proverbial hits the fan,

549
00:23:20,400 --> 00:23:22,080
Speaker 3: we can sell the house and get our money back.

550
00:23:22,359 --> 00:23:25,440
Speaker 3: And then an unsecured debt that just means those repayments

551
00:23:25,480 --> 00:23:29,040
Speaker 3: would stop because it's not secured against any type of asset,

552
00:23:29,680 --> 00:23:32,560
Speaker 3: and the borrel would actually have to go to court

553
00:23:32,880 --> 00:23:34,960
Speaker 3: and then get an order to take the borrel as

554
00:23:35,000 --> 00:23:37,600
Speaker 3: assets and sell them to pay off that debt. But

555
00:23:37,680 --> 00:23:41,200
Speaker 3: if there's nothing to sell, the debt basically gets written

556
00:23:41,240 --> 00:23:43,080
Speaker 3: off and it sucks for them, like because it could

557
00:23:43,080 --> 00:23:46,439
Speaker 3: be you know, small business or something. But that's kind

558
00:23:46,480 --> 00:23:48,520
Speaker 3: of how it works in Australia. In America it's a

559
00:23:48,520 --> 00:23:51,160
Speaker 3: different story. So you might be like, oh my gosh,

560
00:23:51,200 --> 00:23:52,880
Speaker 3: they inherited so much personal debt.

561
00:23:53,200 --> 00:23:55,000
Speaker 2: That's not how it works here in Australia.

562
00:23:55,200 --> 00:23:57,680
Speaker 4: Coo, what a good thought for our listener to have.

563
00:23:58,000 --> 00:23:59,959
Speaker 2: It at a bit of a morbid topic.

564
00:24:00,200 --> 00:24:03,359
Speaker 3: Not so fun, I mean, it's never fun, but like

565
00:24:03,560 --> 00:24:05,560
Speaker 3: it's a good question to ask, because like, who else

566
00:24:05,600 --> 00:24:07,119
Speaker 3: is going to tell you the answer to that apart

567
00:24:07,160 --> 00:24:07,399
Speaker 3: from me?

568
00:24:07,480 --> 00:24:10,560
Speaker 2: Who the moms trying to like talking about morbid things.

569
00:24:11,320 --> 00:24:13,080
Speaker 3: My mum was a coroner for a really long time,

570
00:24:13,080 --> 00:24:15,159
Speaker 3: so I'm not sure what you expected happy to be

571
00:24:15,560 --> 00:24:18,359
Speaker 3: about death and money. But moving on, we need to

572
00:24:18,440 --> 00:24:20,919
Speaker 3: unpack something that you guys slid into our dms about

573
00:24:20,960 --> 00:24:23,359
Speaker 3: and this week it's all about the cost of traveling

574
00:24:23,440 --> 00:24:26,760
Speaker 3: for family commitments, which you know, a bit of a

575
00:24:26,760 --> 00:24:30,399
Speaker 3: family episode kiss time. It is on theme for us. Yeah,

576
00:24:30,680 --> 00:24:32,560
Speaker 3: I like it. I want to say we're a little family.

577
00:24:32,560 --> 00:24:35,240
Speaker 3: But it does give me the equin people work together

578
00:24:35,280 --> 00:24:38,440
Speaker 3: and they're like, we like family, like realty.

579
00:24:38,600 --> 00:24:45,240
Speaker 2: It feels cold tea, but really we're still We go

580
00:24:45,280 --> 00:24:48,959
Speaker 2: on family holidays. So are we family? Maybe? Right? So

581
00:24:49,040 --> 00:24:50,640
Speaker 2: let me read this out because this is the dam

582
00:24:50,720 --> 00:24:52,920
Speaker 2: we received hate. She's on the money team.

583
00:24:53,000 --> 00:24:54,879
Speaker 3: I have a dilemma for you guys that I'm hoping

584
00:24:54,920 --> 00:24:57,439
Speaker 3: to get some opinions or assistance on I live with

585
00:24:57,480 --> 00:25:01,080
Speaker 3: my partner about an hour's drive from my closest relative.

586
00:25:01,520 --> 00:25:04,360
Speaker 3: My brothers and my mum all live clossh to each other,

587
00:25:04,520 --> 00:25:06,399
Speaker 3: and my dad and step family all live in that

588
00:25:06,520 --> 00:25:10,000
Speaker 3: vicinity too, and whenever we have days like birthdays or

589
00:25:10,040 --> 00:25:13,359
Speaker 3: Mother's Day or Christmas celebrations, they never factor into the

590
00:25:13,359 --> 00:25:16,000
Speaker 3: conversation that I have to travel around two hours for

591
00:25:16,040 --> 00:25:19,560
Speaker 3: a lunch or get together. I love my family and

592
00:25:19,640 --> 00:25:21,600
Speaker 3: I don't want to be left out of things, but

593
00:25:21,880 --> 00:25:23,720
Speaker 3: I need them to understand how much it costs me

594
00:25:23,760 --> 00:25:27,040
Speaker 3: financially and time wise. It ends up having to be

595
00:25:27,200 --> 00:25:29,359
Speaker 3: an all day outing for just a meal or a

596
00:25:29,400 --> 00:25:32,520
Speaker 3: two hour visit. I'm a unique student, so I don't

597
00:25:32,560 --> 00:25:35,000
Speaker 3: have the money to be consistently paying for fuel and

598
00:25:35,040 --> 00:25:36,160
Speaker 3: parking and tolls.

599
00:25:36,560 --> 00:25:37,760
Speaker 2: One of my brothers has a.

600
00:25:37,720 --> 00:25:40,320
Speaker 3: Work car with fuel paid for and still won't put

601
00:25:40,359 --> 00:25:43,040
Speaker 3: in the effort to come out my way. How do

602
00:25:43,119 --> 00:25:45,520
Speaker 3: I get them to understand that it's taking a toll

603
00:25:45,560 --> 00:25:46,959
Speaker 3: on me in many different ways.

604
00:25:47,320 --> 00:25:50,040
Speaker 6: It's a good question, I like, obviously, Oh, maybe it's

605
00:25:50,080 --> 00:25:53,320
Speaker 6: not obvious, but my whole family is in Sydney.

606
00:25:53,440 --> 00:25:55,320
Speaker 2: Actually, one of my brothers is in Melbourne. Nolle Yay,

607
00:25:55,359 --> 00:25:58,840
Speaker 2: that's exciting. Yeah, so I totally get it.

608
00:25:58,960 --> 00:26:02,240
Speaker 6: Like for Christmas sometimes for Easter things like that, it

609
00:26:02,400 --> 00:26:05,760
Speaker 6: was just like every time I miss home for a second,

610
00:26:05,920 --> 00:26:08,159
Speaker 6: like I'll drive up. I didn't expect them to come

611
00:26:08,200 --> 00:26:10,119
Speaker 6: with me every time I miss home. But you know,

612
00:26:10,200 --> 00:26:12,159
Speaker 6: for bigger things, it got to the point where I

613
00:26:12,400 --> 00:26:14,879
Speaker 6: would be Like for Christmas last year, for example, I

614
00:26:14,920 --> 00:26:18,640
Speaker 6: was like, if you guys want my company, you're gonna

615
00:26:18,680 --> 00:26:22,240
Speaker 6: pay for it. I would like calculate how much it costs.

616
00:26:22,520 --> 00:26:24,320
Speaker 6: It also is like wear and tear in your car,

617
00:26:24,440 --> 00:26:27,640
Speaker 6: Like my actual car is going to break down sooner

618
00:26:27,880 --> 00:26:31,280
Speaker 6: than if I had just stayed in Melbourne for it. Yeah,

619
00:26:31,359 --> 00:26:34,239
Speaker 6: so like kind of calculating and being reasonable and like

620
00:26:34,320 --> 00:26:37,000
Speaker 6: adding up all the tolls. Luckily, I have like three

621
00:26:37,040 --> 00:26:39,320
Speaker 6: brothers and my mom that I'm going up to see,

622
00:26:39,480 --> 00:26:41,760
Speaker 6: my dad and his partner as well, so I have

623
00:26:41,880 --> 00:26:44,200
Speaker 6: like a lot of people to delegate those funds too.

624
00:26:44,320 --> 00:26:47,199
Speaker 6: So I'm like, okay, let's split it by seven, and

625
00:26:47,280 --> 00:26:49,160
Speaker 6: everyone pays like twenty bucks and they give me twenty

626
00:26:49,160 --> 00:26:49,600
Speaker 6: bucks each.

627
00:26:49,680 --> 00:26:51,040
Speaker 2: And that's so cute.

628
00:26:51,119 --> 00:26:51,280
Speaker 5: You know.

629
00:26:51,400 --> 00:26:53,040
Speaker 2: I like that you've got the balls to ask your

630
00:26:53,040 --> 00:26:57,040
Speaker 2: family that, oh yeah, or give me the money you

631
00:26:57,040 --> 00:26:59,080
Speaker 2: don't see this totally.

632
00:26:58,840 --> 00:27:01,440
Speaker 6: Or like all kind of not threaten them, but I'll

633
00:27:01,440 --> 00:27:04,760
Speaker 6: be like, I just I can't afforded this, you guys,

634
00:27:04,880 --> 00:27:07,960
Speaker 6: and I'll be like no please, I'm like, okay, well.

635
00:27:08,320 --> 00:27:16,400
Speaker 2: I am learning is actually manipulative astortion extortion, and I'd

636
00:27:16,480 --> 00:27:18,080
Speaker 2: pay it. I'd be like, oh, but I don't want

637
00:27:18,080 --> 00:27:19,800
Speaker 2: you to miss it your company exactly.

638
00:27:20,119 --> 00:27:22,240
Speaker 6: But it's also you know, I totally se where this

639
00:27:22,240 --> 00:27:24,200
Speaker 6: person's coming from. It does cost a lot of money.

640
00:27:24,280 --> 00:27:27,880
Speaker 6: So I mean, I wouldn't recommend being like passag about

641
00:27:27,880 --> 00:27:29,359
Speaker 6: it like I am, like, you're.

642
00:27:29,200 --> 00:27:32,280
Speaker 3: Not, You're like, give me twenty bucks directly.

643
00:27:34,520 --> 00:27:35,080
Speaker 2: You can try.

644
00:27:35,119 --> 00:27:37,359
Speaker 6: That depends on your relationship with your family, but just

645
00:27:37,560 --> 00:27:40,040
Speaker 6: like yeah, just I guess being upfront and just being like, hey,

646
00:27:40,080 --> 00:27:42,640
Speaker 6: this is maybe even like calculating how much it costs

647
00:27:42,640 --> 00:27:45,359
Speaker 6: you for the year and then giving them the full amount,

648
00:27:45,440 --> 00:27:47,560
Speaker 6: so it kind of like really hits home being like, hey,

649
00:27:47,840 --> 00:27:51,320
Speaker 6: it costs me a thousand dollars every quarter to visit

650
00:27:51,320 --> 00:27:53,160
Speaker 6: you guys, and it costs you guys zero dollars because

651
00:27:53,160 --> 00:27:53,840
Speaker 6: I'm coming to you.

652
00:27:54,200 --> 00:27:55,119
Speaker 2: And then maybe we'll.

653
00:27:55,000 --> 00:27:56,879
Speaker 6: Be like whoa, I didn't realize it costs so much.

654
00:27:57,280 --> 00:27:59,200
Speaker 6: Just kind of doing that way, just making them know

655
00:27:59,240 --> 00:28:01,720
Speaker 6: how much it costs, like adding up one trip might

656
00:28:01,800 --> 00:28:04,000
Speaker 6: not be like might be like fifty bucks and they're like, oh,

657
00:28:04,040 --> 00:28:05,879
Speaker 6: we don't care, you can afford fifty bucks. Yeah, but

658
00:28:05,920 --> 00:28:07,960
Speaker 6: being like, hey, over the course of a year, it's

659
00:28:08,000 --> 00:28:09,400
Speaker 6: costing's up.

660
00:28:09,840 --> 00:28:11,199
Speaker 4: So just kind of frame like that.

661
00:28:11,240 --> 00:28:13,959
Speaker 2: See see if that changes anything. Just what are your thoughts.

662
00:28:14,440 --> 00:28:15,959
Speaker 4: I think I have an unpopular opinion.

663
00:28:17,560 --> 00:28:20,720
Speaker 2: I think it's not going to be unpopular. Oh good,

664
00:28:20,720 --> 00:28:22,760
Speaker 2: I hate I know, I know, I know what you're

665
00:28:22,760 --> 00:28:23,320
Speaker 2: about to say.

666
00:28:23,400 --> 00:28:27,000
Speaker 5: I just think that there are some things in life.

667
00:28:27,040 --> 00:28:31,280
Speaker 5: I believe very much in sharing expenses and making things

668
00:28:31,320 --> 00:28:34,480
Speaker 5: relatively equitable where possible. But I do think that there's

669
00:28:34,480 --> 00:28:38,080
Speaker 5: a line in the sand where like things are your responsibility.

670
00:28:38,400 --> 00:28:40,200
Speaker 5: And I think if you're the one that has moved

671
00:28:40,200 --> 00:28:42,400
Speaker 5: away and you are the one who wants to go up,

672
00:28:43,160 --> 00:28:44,400
Speaker 5: it's kind of on you.

673
00:28:45,120 --> 00:28:46,000
Speaker 4: Sorry, So.

674
00:28:48,560 --> 00:28:51,240
Speaker 5: Just I think that, like, with that being said, I

675
00:28:51,240 --> 00:28:53,760
Speaker 5: think that you are well within your rights to say, hey, guys,

676
00:28:53,760 --> 00:28:56,280
Speaker 5: like it's so expensive for me to come down, you know,

677
00:28:56,360 --> 00:28:58,000
Speaker 5: I'm just going to come down for the big ones

678
00:28:58,040 --> 00:28:59,840
Speaker 5: like I'm not coming down for Sunday lunch every week,

679
00:29:00,320 --> 00:29:02,280
Speaker 5: or you know, it would be nice if, like for

680
00:29:02,440 --> 00:29:04,080
Speaker 5: my birthday, you guys.

681
00:29:03,840 --> 00:29:04,280
Speaker 4: Came to me.

682
00:29:04,800 --> 00:29:07,560
Speaker 5: But I don't think it's necessarily logistically to me, it

683
00:29:07,600 --> 00:29:10,040
Speaker 5: just doesn't make sense to say, hey, can all fifteen

684
00:29:10,080 --> 00:29:13,239
Speaker 5: of you drive two hours to see expect that?

685
00:29:13,720 --> 00:29:18,520
Speaker 2: Or expects that or like or one person you don't

686
00:29:18,560 --> 00:29:18,840
Speaker 2: get me.

687
00:29:19,280 --> 00:29:20,240
Speaker 4: I mean, like, more.

688
00:29:20,120 --> 00:29:22,120
Speaker 2: Power to you if you would be like, it's working

689
00:29:22,320 --> 00:29:26,640
Speaker 2: cool Stoway, Yeah, okay. I think maybe it's just about

690
00:29:26,680 --> 00:29:27,840
Speaker 2: we didn't even invite you v.

691
00:29:29,600 --> 00:29:30,280
Speaker 4: Maybe it's just.

692
00:29:30,200 --> 00:29:33,040
Speaker 5: About finding like a middle ground, like could we meet

693
00:29:33,080 --> 00:29:35,200
Speaker 5: in the middle, you know, every now and again at

694
00:29:35,200 --> 00:29:37,840
Speaker 5: a restaurant, or could you take a train part of

695
00:29:37,880 --> 00:29:39,400
Speaker 5: the way or all of the way and maybe someone

696
00:29:39,400 --> 00:29:42,280
Speaker 5: picks you up at the station. But I just don't

697
00:29:42,280 --> 00:29:44,760
Speaker 5: think that it's fair when you're the one who has

698
00:29:44,840 --> 00:29:47,000
Speaker 5: moved like you did this if we blow it out

699
00:29:47,000 --> 00:29:49,640
Speaker 5: to extremes, like if I moved to London and then

700
00:29:49,680 --> 00:29:51,160
Speaker 5: you were like, hey, do you want to come to

701
00:29:51,200 --> 00:29:52,959
Speaker 5: my birthday? And I said yeah, but bitch, you're going

702
00:29:53,000 --> 00:29:56,280
Speaker 5: to pay for it. I don't know how reasonable that

703
00:29:56,320 --> 00:30:00,000
Speaker 5: would be, Like that's to take the same.

704
00:29:59,880 --> 00:30:03,680
Speaker 2: Like I'd be like, so that invitation to my birthday?

705
00:30:04,040 --> 00:30:07,840
Speaker 2: Can I just start have that I'm just gonna say, is.

706
00:30:07,800 --> 00:30:11,000
Speaker 5: That Like I just think that I understand when you're

707
00:30:11,000 --> 00:30:12,680
Speaker 5: a union students really had I understand it, you have

708
00:30:12,720 --> 00:30:17,120
Speaker 5: to leave a family Facebook not invited anymore, not part

709
00:30:17,120 --> 00:30:19,440
Speaker 5: of the family anymore. I think that it is kind

710
00:30:19,440 --> 00:30:21,680
Speaker 5: of something that you need to wear and like absolutely, like,

711
00:30:21,760 --> 00:30:23,760
Speaker 5: let's try find a middle ground. Public transport is a

712
00:30:23,760 --> 00:30:26,840
Speaker 5: great option, meeting in the middle occasionally or reducing the

713
00:30:26,880 --> 00:30:28,560
Speaker 5: amount of times you go. And if you have this

714
00:30:28,640 --> 00:30:30,920
Speaker 5: conversation they go, oh, but we really want you to

715
00:30:30,920 --> 00:30:34,240
Speaker 5: come to this lunch. Then I think you can say, okay, well,

716
00:30:34,240 --> 00:30:36,160
Speaker 5: if I've said it's not within my means and I'm

717
00:30:36,200 --> 00:30:38,440
Speaker 5: happy to leave it, but you really want me there,

718
00:30:38,880 --> 00:30:41,320
Speaker 5: can you? You know, then I think it's reasonable to

719
00:30:41,320 --> 00:30:44,240
Speaker 5: ask for financial contribution. But I think just generally, I

720
00:30:44,280 --> 00:30:45,840
Speaker 5: don't think it's the problem.

721
00:30:45,840 --> 00:30:47,640
Speaker 2: Sorry, I think it's about communication.

722
00:30:48,160 --> 00:30:50,480
Speaker 3: It's so about like you touched on that before, where

723
00:30:50,480 --> 00:30:52,280
Speaker 3: you like tell them and then you go back and

724
00:30:52,320 --> 00:30:56,120
Speaker 3: forth for a bit. I am in this legit situation

725
00:30:56,280 --> 00:30:59,320
Speaker 3: as well. So my family all live in Tasmania and

726
00:30:59,720 --> 00:31:04,040
Speaker 3: I live in Victoria and so my parents are over here,

727
00:31:04,200 --> 00:31:06,840
Speaker 3: but all of my extended family, my aunts, my uncles,

728
00:31:06,840 --> 00:31:09,680
Speaker 3: my cousins, my nana, like they are all in TAZZI.

729
00:31:09,760 --> 00:31:12,840
Speaker 5: Shout out Zella, shout out Zella. You queen who does

730
00:31:12,920 --> 00:31:14,200
Speaker 5: not listen to this podcast.

731
00:31:14,760 --> 00:31:18,480
Speaker 3: But it's kind of been a mismatch over the years.

732
00:31:18,640 --> 00:31:22,640
Speaker 3: And like because so I moved over from Tasmania to

733
00:31:22,960 --> 00:31:25,440
Speaker 3: Melbourne because of my parents. Like I was still in

734
00:31:25,480 --> 00:31:27,400
Speaker 3: school when this decision was made, so it wasn't my

735
00:31:27,440 --> 00:31:30,280
Speaker 3: decision at all. Don't regret it because like obviously it's

736
00:31:30,280 --> 00:31:34,040
Speaker 3: worked out pretty nicely. But they would always you know,

737
00:31:34,280 --> 00:31:36,360
Speaker 3: send us back and like send us back to hang

738
00:31:36,400 --> 00:31:38,880
Speaker 3: out with family and whatnot. And I think that we

739
00:31:39,000 --> 00:31:41,560
Speaker 3: always saw that as our responsibility because we were the

740
00:31:41,560 --> 00:31:44,040
Speaker 3: ones that moved away. So like, you know, we chose,

741
00:31:44,080 --> 00:31:46,920
Speaker 3: and Jess, you're correct, like or not correct, Like I'm

742
00:31:46,960 --> 00:31:47,640
Speaker 3: on your side.

743
00:31:47,680 --> 00:31:49,080
Speaker 2: I suppose we share an opinion.

744
00:31:49,200 --> 00:31:53,520
Speaker 3: Yeah, we moved, so it's our responsibility to travel back. However,

745
00:31:54,000 --> 00:31:57,840
Speaker 3: I think reading into this, I get a little bit

746
00:31:57,920 --> 00:32:02,000
Speaker 3: of nostalgia from when when I first started university and

747
00:32:02,080 --> 00:32:03,680
Speaker 3: my parents started complaining.

748
00:32:03,800 --> 00:32:04,680
Speaker 2: Love your mom, and dad.

749
00:32:05,200 --> 00:32:06,960
Speaker 3: We've all sorted this out now, and I feel like

750
00:32:07,000 --> 00:32:09,080
Speaker 3: it's a really common thing. They'd be like, you never

751
00:32:09,120 --> 00:32:11,240
Speaker 3: come back home, like what are you doing, Like you've

752
00:32:11,280 --> 00:32:14,400
Speaker 3: moved out. I'd be like, well, you're an hour plus away,

753
00:32:14,600 --> 00:32:17,240
Speaker 3: Like yeah, it's also a two way street if you

754
00:32:17,280 --> 00:32:19,400
Speaker 3: want to see me, and you're complaining about not seeing me,

755
00:32:20,280 --> 00:32:22,320
Speaker 3: like I don't want to have to always do the drive,

756
00:32:22,520 --> 00:32:25,479
Speaker 3: like we can beck to your point, meet in the middle,

757
00:32:26,000 --> 00:32:27,840
Speaker 3: or like you could come up for dinner at my

758
00:32:27,920 --> 00:32:30,880
Speaker 3: house sometimes too. And now that's like totally not a thing.

759
00:32:30,920 --> 00:32:33,880
Speaker 3: But I remember feeling like they would always say, oh,

760
00:32:33,960 --> 00:32:35,720
Speaker 3: but you never come down and see us, and I'd

761
00:32:35,720 --> 00:32:37,920
Speaker 3: be like, well, it's a two way street, like you

762
00:32:37,960 --> 00:32:39,680
Speaker 3: can come up to me as well. And now it

763
00:32:39,720 --> 00:32:42,080
Speaker 3: totally is back and forth and we do go down

764
00:32:42,120 --> 00:32:44,000
Speaker 3: a lot, but they come up a lot and whatnot.

765
00:32:44,720 --> 00:32:47,360
Speaker 3: But over time, I think it's you know, actually having

766
00:32:47,360 --> 00:32:50,920
Speaker 3: that conversation. So i'd be interested to know if you've

767
00:32:51,000 --> 00:32:54,080
Speaker 3: had that conversation with your relatives about going like oh

768
00:32:54,080 --> 00:32:56,560
Speaker 3: my god, it's a two hour round trip, like haha,

769
00:32:56,600 --> 00:32:58,520
Speaker 3: it's your turn to travel to me next time, Like

770
00:32:58,560 --> 00:33:01,880
Speaker 3: are we having these conversations or your family just going

771
00:33:02,360 --> 00:33:04,480
Speaker 3: you know, maybe they've got some blinkers on and they're like, oh,

772
00:33:04,720 --> 00:33:05,680
Speaker 3: love to create dinner.

773
00:33:05,720 --> 00:33:07,320
Speaker 2: Oh it'd be so nice if Jess will say, yeah,

774
00:33:07,360 --> 00:33:07,840
Speaker 2: invite Jess.

775
00:33:07,880 --> 00:33:10,080
Speaker 3: Yeah, yeah, yeah, we'll book oh that place around the

776
00:33:10,080 --> 00:33:12,480
Speaker 3: corner love wu Ketter really nice, Like we'll just book

777
00:33:12,560 --> 00:33:15,000
Speaker 3: la u Ketter. And then they just text you Jess

778
00:33:15,000 --> 00:33:16,920
Speaker 3: and say, oh, Jess like dinner a lap or Ketter

779
00:33:16,960 --> 00:33:19,960
Speaker 3: on Friday, question Mark. They're not actually thinking about it

780
00:33:19,960 --> 00:33:22,560
Speaker 3: because it just hasn't crossed their paths. I don't think

781
00:33:22,560 --> 00:33:24,240
Speaker 3: it's malicious. I think they're just like.

782
00:33:24,240 --> 00:33:25,480
Speaker 4: Oh, they just want to see you.

783
00:33:25,520 --> 00:33:27,200
Speaker 3: They just want to see you, like, oh, definitely make

784
00:33:27,200 --> 00:33:28,640
Speaker 3: sure Jess and Becker on the invite.

785
00:33:28,880 --> 00:33:31,760
Speaker 2: And then you're frustrated, and rightly so.

786
00:33:31,880 --> 00:33:33,840
Speaker 3: Because you're like, well, I'm gonna have to drive two

787
00:33:33,840 --> 00:33:36,040
Speaker 3: hours there for this dinner and then two hours home

788
00:33:36,120 --> 00:33:38,520
Speaker 3: and your family are just stoked that you said yes.

789
00:33:38,960 --> 00:33:41,400
Speaker 3: So I think there needs to be some conversation before

790
00:33:41,560 --> 00:33:44,800
Speaker 3: making a decision, and it's not about yeah. I don't

791
00:33:44,800 --> 00:33:48,040
Speaker 3: think we jump to Beck's response of like we'll charge

792
00:33:48,080 --> 00:33:51,160
Speaker 3: them for that, but maybe go oh, hey, I totally

793
00:33:51,200 --> 00:33:53,800
Speaker 3: love that any flexibility on the restaurant, like can we

794
00:33:53,840 --> 00:33:56,640
Speaker 3: pick somewhere halfway between, or you know, next time, could

795
00:33:56,640 --> 00:33:58,479
Speaker 3: we do it at my end of town. Maybe it's

796
00:33:58,520 --> 00:34:00,560
Speaker 3: about being a bit more proactive and you get on

797
00:34:00,600 --> 00:34:02,320
Speaker 3: the front foot and be like, oh my gosh, next time,

798
00:34:02,360 --> 00:34:04,720
Speaker 3: why don't we try that place near my place and

799
00:34:04,840 --> 00:34:07,120
Speaker 3: just see how that goes, and then if it doesn't

800
00:34:07,200 --> 00:34:10,399
Speaker 3: go well, then going hey, guys, like I'm the one

801
00:34:10,400 --> 00:34:13,160
Speaker 3: that always, you know, is put out completely by this.

802
00:34:13,080 --> 00:34:13,800
Speaker 2: What do you reckon?

803
00:34:14,560 --> 00:34:16,800
Speaker 3: So I feel like it's a mixed mash of growth

804
00:34:16,800 --> 00:34:22,360
Speaker 3: of yours. But my defining factor is communication. Once again,

805
00:34:24,040 --> 00:34:26,400
Speaker 3: she's on the communication.

806
00:34:27,320 --> 00:34:29,680
Speaker 6: I feel like we tend to ender that and I hope,

807
00:34:29,680 --> 00:34:31,600
Speaker 6: but it really isly is the key.

808
00:34:31,840 --> 00:34:34,359
Speaker 3: So much about money is about having a good chat

809
00:34:34,400 --> 00:34:36,640
Speaker 3: with someone and being on the same page and being

810
00:34:36,680 --> 00:34:40,600
Speaker 3: able to be empathetic and being able to step into like, oh, actually,

811
00:34:40,840 --> 00:34:42,640
Speaker 3: that would be really tough for beck because it does

812
00:34:42,719 --> 00:34:44,719
Speaker 3: cost you a grand over the year, Like far Out

813
00:34:45,040 --> 00:34:47,879
Speaker 3: hadn't thought about it, because I promise, Like as much

814
00:34:47,880 --> 00:34:50,320
Speaker 3: as I would love to say that everybody's always thinking

815
00:34:50,320 --> 00:34:53,719
Speaker 3: about everything for you too, they're just not They're just

816
00:34:53,760 --> 00:34:55,279
Speaker 3: not sometimes they need to put your hand up and

817
00:34:55,320 --> 00:34:57,480
Speaker 3: be like, hey, did you realize that's not great? And

818
00:34:57,520 --> 00:35:00,520
Speaker 3: they go, oh my god, I'm so sorry. So maybe

819
00:35:00,560 --> 00:35:02,200
Speaker 3: give them the opportunity to do that.

820
00:35:02,239 --> 00:35:04,359
Speaker 2: Absolutely, what are the community saying? All right?

821
00:35:04,400 --> 00:35:07,560
Speaker 3: So we asked the community, and it's common, it's common.

822
00:35:07,880 --> 00:35:09,840
Speaker 3: So we asked the question, do you live in a

823
00:35:09,880 --> 00:35:12,120
Speaker 3: different location to your friends and family and do you

824
00:35:12,160 --> 00:35:14,800
Speaker 3: have to travel to see them for celebrations and stuff.

825
00:35:15,280 --> 00:35:18,120
Speaker 3: Seventy six percent of you said yes, so this is common.

826
00:35:18,440 --> 00:35:20,839
Speaker 3: The next question we asked is, if yes, how much

827
00:35:20,880 --> 00:35:23,359
Speaker 3: money would you spend on having to travel? Twenty nine

828
00:35:23,400 --> 00:35:25,839
Speaker 3: percent of you said fifty bucks, twenty two percent said

829
00:35:25,840 --> 00:35:28,799
Speaker 3: one hundred, thirteen percent of you said two hundred and

830
00:35:29,040 --> 00:35:31,560
Speaker 3: a whopping thirty six percent of you said more than

831
00:35:31,560 --> 00:35:32,440
Speaker 3: three hundred dollars.

832
00:35:32,560 --> 00:35:33,160
Speaker 4: Wow.

833
00:35:33,760 --> 00:35:34,719
Speaker 2: We said, do you.

834
00:35:34,719 --> 00:35:37,359
Speaker 3: Think the family should contribute to the travel costs if

835
00:35:37,400 --> 00:35:39,880
Speaker 3: they are not willing to travel themselves?

836
00:35:40,440 --> 00:35:41,279
Speaker 2: Caveat there.

837
00:35:41,680 --> 00:35:45,200
Speaker 3: If they are not willing to travel themselves, thirty three

838
00:35:45,239 --> 00:35:48,319
Speaker 3: percent of you said yes, and sixty seven percent of

839
00:35:48,360 --> 00:35:51,239
Speaker 3: you said no. Okay. We then said, give us your

840
00:35:51,239 --> 00:35:53,480
Speaker 3: two cents. We want the insight, we want community.

841
00:35:53,600 --> 00:35:54,399
Speaker 2: Yeah, I want the juice.

842
00:35:54,440 --> 00:35:56,680
Speaker 3: I also love it when you guys have spicy opinions

843
00:35:56,680 --> 00:35:59,239
Speaker 3: in here, like nothing sets my soul on fire, like

844
00:35:59,440 --> 00:36:01,320
Speaker 3: feeling like I'm in on the gossip.

845
00:36:01,719 --> 00:36:03,120
Speaker 2: So here are a few comments.

846
00:36:03,440 --> 00:36:06,440
Speaker 3: So first, one, only travel for really special occasions like

847
00:36:06,520 --> 00:36:09,520
Speaker 3: birthdays and Christmas, and definitely set a budget for them.

848
00:36:10,000 --> 00:36:12,120
Speaker 3: Someone else said, make sure you're asking for venues that

849
00:36:12,200 --> 00:36:14,239
Speaker 3: are halfway between the two of you. If they don't

850
00:36:14,239 --> 00:36:17,760
Speaker 3: want that, then maybe don't attend. Someone said, that's actually

851
00:36:17,760 --> 00:36:20,399
Speaker 3: just part of life. That's your responsibility. No one owes

852
00:36:20,440 --> 00:36:25,560
Speaker 3: you anything. Well, the name on that wasn't Jessica weird?

853
00:36:27,040 --> 00:36:30,120
Speaker 3: Someone else said, depends on whose choice it was to move,

854
00:36:30,440 --> 00:36:32,799
Speaker 3: but it's something that should have been factored into your

855
00:36:32,800 --> 00:36:33,560
Speaker 3: moving decision.

856
00:36:34,239 --> 00:36:36,439
Speaker 2: Well that's fair, jess It's like I told you told

857
00:36:36,480 --> 00:36:36,920
Speaker 2: you guys.

858
00:36:37,000 --> 00:36:39,120
Speaker 5: I'm just glad that I'm not the really mean, horrible

859
00:36:39,120 --> 00:36:40,400
Speaker 5: person that was like, oh.

860
00:36:40,360 --> 00:36:44,279
Speaker 3: No, in this situation, I don't think there's a right

861
00:36:44,360 --> 00:36:46,960
Speaker 3: or a wrong. I think it's just like what works

862
00:36:47,840 --> 00:36:49,839
Speaker 3: in the middle of somewhere. It's like if I sat

863
00:36:49,880 --> 00:36:51,600
Speaker 3: you guys down and said, well, how do your families

864
00:36:51,600 --> 00:36:56,239
Speaker 3: do Christmas? Absolutely diverse experiences? Yes, does that mean that

865
00:36:56,360 --> 00:36:58,719
Speaker 3: my way of doing Christmas is the right way. No,

866
00:36:58,800 --> 00:37:00,759
Speaker 3: it's probably the wrong way of it, be honest, But

867
00:37:01,320 --> 00:37:03,680
Speaker 3: everybody is different and there's no right or wrong, especially

868
00:37:03,719 --> 00:37:05,920
Speaker 3: when it comes to this stuff like totally, we're all

869
00:37:05,960 --> 00:37:08,080
Speaker 3: just doing life for the first time together. Guy, we

870
00:37:08,080 --> 00:37:10,320
Speaker 3: were doing a best Someone said, you need to select

871
00:37:10,360 --> 00:37:12,560
Speaker 3: what is important to you. You need to be selective

872
00:37:12,600 --> 00:37:13,920
Speaker 3: in what you attend in person.

873
00:37:14,239 --> 00:37:22,320
Speaker 2: Maybe you could do zoom table for three things on screen.

874
00:37:22,440 --> 00:37:23,120
Speaker 3: It's orrible.

875
00:37:23,320 --> 00:37:25,040
Speaker 2: I actually got rejected. Recently.

876
00:37:25,480 --> 00:37:28,759
Speaker 3: I asked my husband to put me on FaceTime when

877
00:37:28,800 --> 00:37:30,919
Speaker 3: he went to a wedding because I couldn't attend because

878
00:37:30,960 --> 00:37:31,800
Speaker 3: I just had a baby.

879
00:37:32,040 --> 00:37:35,520
Speaker 2: Yes, he said no. He was like, oh, that'd be embarrasing.

880
00:37:35,680 --> 00:37:37,759
Speaker 2: I was like, well, funny, you are a grudsmith.

881
00:37:37,880 --> 00:37:42,600
Speaker 3: So someone else said it's okay to have boundaries with

882
00:37:42,640 --> 00:37:46,960
Speaker 3: family and events, but your location is actually your responsibility.

883
00:37:47,320 --> 00:37:50,160
Speaker 3: And then the last one, someone said, I either make

884
00:37:50,200 --> 00:37:54,279
Speaker 3: the financial sacrifice or make the social sacrifice. I made

885
00:37:54,400 --> 00:37:57,080
Speaker 3: the decision to have a sacrifice because I chose to

886
00:37:57,120 --> 00:38:01,080
Speaker 3: move sure, so financial scrif by social sacrifice.

887
00:38:01,120 --> 00:38:03,920
Speaker 2: I mean, everything's a balancing act these days, isn't it. Yeah,

888
00:38:03,960 --> 00:38:05,799
Speaker 2: that's a really good point. Actually it's very hard.

889
00:38:06,520 --> 00:38:08,080
Speaker 5: But I mean, if you're like Beck and you can

890
00:38:08,120 --> 00:38:09,360
Speaker 5: get people to cough up by.

891
00:38:09,239 --> 00:38:13,279
Speaker 2: All means, next time Jess is like, hey, it's been

892
00:38:13,280 --> 00:38:14,640
Speaker 2: a while, do you want to catch up, I'll be

893
00:38:14,719 --> 00:38:18,640
Speaker 2: like twenty bucks. Yeah, there's no harmon asked. You might

894
00:38:18,640 --> 00:38:19,240
Speaker 2: lose a friend.

895
00:38:20,600 --> 00:38:22,440
Speaker 3: You might lose a friend, but if you're back, you

896
00:38:22,480 --> 00:38:24,320
Speaker 3: can make a million more so.

897
00:38:24,680 --> 00:38:27,600
Speaker 2: Oh and you can make some money as well. So yeah,

898
00:38:27,760 --> 00:38:29,560
Speaker 2: you know what. I think that is a really great

899
00:38:29,600 --> 00:38:30,239
Speaker 2: place to leave it.

900
00:38:30,360 --> 00:38:32,600
Speaker 3: Guys, have the best weekend and we will see you

901
00:38:32,600 --> 00:38:34,000
Speaker 3: bright and early on Monday morning.

902
00:38:34,080 --> 00:38:41,360
Speaker 2: For Money Diaries, Bye bye, guys. Bye.

903
00:38:43,080 --> 00:38:45,239
Speaker 3: The ad buy shared on She's on the Money is

904
00:38:45,280 --> 00:38:48,880
Speaker 3: general in nature and does not consider your individual circumstances.

905
00:38:49,239 --> 00:38:52,680
Speaker 3: She's on the Money exists purely for educational purposes and

906
00:38:52,719 --> 00:38:55,120
Speaker 3: should not be relied upon to make an investment or

907
00:38:55,200 --> 00:38:58,760
Speaker 3: financial decision. If you do choose to buy a financial product,

908
00:38:58,880 --> 00:39:03,240
Speaker 3: read the PDST and obtain appropriate financial advice tailored towards

909
00:39:03,239 --> 00:39:06,520
Speaker 3: your needs. Victoria Divine and She's on the Money are

910
00:39:06,600 --> 00:39:09,960
Speaker 3: authorized representatives of Money. Sheper P T Y L T

911
00:39:10,120 --> 00:39:12,879
Speaker 3: D A B N three two one six four nine

912
00:39:12,960 --> 00:39:15,960
Speaker 3: two seven seven zero eight A F s L four

913
00:39:16,040 --> 00:39:18,239
Speaker 3: five one two eight nine