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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 2: Hello, and welcome to She Is on the Money, the

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Speaker 2: podcast a millennials who want financial freedom. Welcome back to

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Speaker 2: another one of our money diaries, where this week there

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Speaker 2: is a little bit of a twist. Instead of having

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Speaker 2: an anonymous money diary, I'm bringing you what I'm gonna

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Speaker 2: call celeb money Diaries. Not that our guest this week

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Speaker 2: is a celeb Like, we're just stretching it because she's

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Speaker 2: gonna be one day. I'd like to introduce you to

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Speaker 2: my internet friend, R and B artist and content creator

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Speaker 2: Hannah Sance. Hannah, Welcome to the show.

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Speaker 4: Hello, thank you for having me.

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Speaker 2: I am so excited about this. This is our first

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Speaker 2: like public money diary where people can go and follow

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Speaker 2: you and see what you're up to. But one of

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Speaker 2: the things that instantly drew me to your content one

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Speaker 2: before you started doing any type of budgeting content, was

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Speaker 2: that you're an epic R and B artist, Like I

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Speaker 2: have been following you for so long and vice versa.

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Speaker 2: I think because the other day I was looking at

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Speaker 2: like an old post trying to find some engagement stats

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Speaker 2: and I was like, oh, that's I'm like sixty eight

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Speaker 2: weeks ago, and Hannah's commenting that's me.

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Speaker 4: I was trolling that she's on the money posts ages ago.

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Speaker 2: I like it. I appreciate it, and thank you for

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Speaker 2: trolling them in a really kind way, like it was

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Speaker 2: never like, you know, actual troll content. But Hannah, your

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Speaker 2: TikTok bio says you used to be average, but you're

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Speaker 2: trying to be better and the content that you create

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Speaker 2: is really around money and music and lifestyle. And you've

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Speaker 2: recently gone viral a few times and been picked up

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Speaker 2: by the likes of the Daily Mail, which can be

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Speaker 2: good and can be bad. Let's be honest, because you

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Speaker 2: are so brutally honest about your budgeting. Tell me why

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Speaker 2: you started creating content like this?

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Speaker 1: Oh?

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Speaker 4: I love this. In this season, I'm just obsessed with

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Speaker 4: speaking about money, so I'm just like so excited for

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Speaker 4: this conversation.

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Speaker 2: The same girl, welcome to the show.

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Speaker 4: Yeah, I feel bad. Why did I start creating content

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Speaker 4: like this? I saw something on my for you page

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Speaker 4: that was a what I spend in a week and

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Speaker 4: it was by a TikTok creator Ella McGrath I think

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Speaker 4: her name is. I love her content, and I was

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Speaker 4: so incredibly triggered and I was just like I remember

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Speaker 4: hearing my internal voice just be like I would never

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Speaker 4: ever share what I spend my money on on the internet.

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Speaker 2: But then you did. Though.

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Speaker 4: Immediately I clocked that, and I was like, that is interesting.

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Speaker 4: I don't have that feeling about many things. And I

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Speaker 4: was like, well, that's exactly what I'm going to do.

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Speaker 4: And it was like the next day I started planning,

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Speaker 4: Like it took me a little while to plan how

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Speaker 4: I was going to execute it, but I was like,

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Speaker 4: this is something I'm going to do.

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Speaker 2: I love it because it's not just oh, here's how

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Speaker 2: a budget works, and I feel like so many times

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Speaker 2: when I see content creators online creating budget content, I

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Speaker 2: don't know how to articulate this without offending anyone. And

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Speaker 2: you and Ella are great at being transparent, but there

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Speaker 2: seems to be this really aspirational vibe from their content

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Speaker 2: where a lot of people might look at it and go, oh,

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Speaker 2: they are actually like obviously they're sharing their budget because

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Speaker 2: they're really good at it. Like, oh, they're obviously sharing

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Speaker 2: their budget because they're a really high income earner and

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Speaker 2: you know they can afford for oat lata a day

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Speaker 2: and that seems really fair, and you kind of go, well,

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Speaker 2: how have you found this balance? I suppose of just

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Speaker 2: being like, nah, let's be real. It's me. I'm Hannah,

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Speaker 2: I have a husband, I have a beautiful son, and

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Speaker 2: you know this is what we spend and this month,

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Speaker 2: like we didn't save and we had a really great time.

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Speaker 2: How has that content shaped the type of following that

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Speaker 2: you've gained since then? Like is it all about being transparent?

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Speaker 2: Are you now empowered by it? Or are you like

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Speaker 2: far out? I wish I didn't share that, So I.

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Speaker 4: Am so empowered by it. I think a big thing

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Speaker 4: and this obviously ties so much into like my money story.

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Speaker 4: When I grew up, my family had a lot of

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Speaker 4: secrecy and shame around money, or it was just something

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Speaker 4: that was argued about, so it was just like, Okay,

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Speaker 4: cool money equals problems. So when I grew up to

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Speaker 4: be an adult and have my own money, I just

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Speaker 4: had no concept on being sensible with that money. It

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Speaker 4: was such an uncomfortable relationship with money. So I feel

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Speaker 4: like I started to notice, especially after becoming a mum,

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Speaker 4: other moms I would talk to, like I don't know

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Speaker 4: which just people I was speaking to, but there's just

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Speaker 4: a lot of secrecy and a lot of like you know,

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Speaker 4: people holding back when speaking about money. And I just

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Speaker 4: thought this could be so empowering, Like if I saw

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Speaker 4: this content five years ago, oh my god, like I

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Speaker 4: would feel so empowered and so seen. And that was

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Speaker 4: exactly the feedback I got. People are messaging me just

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Speaker 4: being like I feel so seen by your content with

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Speaker 4: your budgeting, like and people stop me on the street

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Speaker 4: They're like, oh my god, I love your budgeting content.

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Speaker 4: I'm like, never did I ever one think I'd be

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Speaker 4: known for budgeting. Secondly, be on a finance podcast like

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Speaker 4: this is someone who's you know, habitually told myself I'm

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Speaker 4: bad with money, So it's like, literally, who is she?

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Speaker 2: So tell me a bit about who you used to be.

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Speaker 2: I suppose in your TikTok buyo you say used to

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Speaker 2: be average, but I'm trying to be better. What does

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Speaker 2: used to be average even mean?

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Speaker 4: So this is a preface for a lot of my

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Speaker 4: content in the direction I'm going at the moment. Because

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Speaker 4: I was like that notorious party girl, terrible with money,

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Speaker 4: and upon reflection, like my early twenties, mid twenties was

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Speaker 4: a lot of self discovery but kind of catapultar Like

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Speaker 4: my parents split up when I was in year twelve,

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Speaker 4: so about twenty twelve, and then my dad passed away

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Speaker 4: sadly in twenty seventeen. So I was very like fiercely independent.

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Speaker 4: Like in my early twenties, I was living abroad and

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Speaker 4: things like that. I had such negative habits like with money,

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Speaker 4: with lifestyle, with food, with alcohol, and a few years

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Speaker 4: ago when I met my beautiful partner, he was like

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Speaker 4: a really big turning point for me, and we both

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Speaker 4: were just like life can be so much better than this,

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Speaker 4: you know what I mean? One hundred percent just exercise, money, food.

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Speaker 4: It's funny, like twenty twenty, we went so bad the

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Speaker 4: same time, we started being hyper aware of like how

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Speaker 4: we spent our money and how our money behaviors impacted

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Speaker 4: our happiness.

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Speaker 2: I love that.

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Speaker 4: It was like this big, just momentous ball that kept

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Speaker 4: growing and we just started being better across the board,

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Speaker 4: and I'm like, wow, our life is so much better now.

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Speaker 2: Obviously you went through a series of traumas for that,

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Speaker 2: but often you find that it's one party in a

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Speaker 2: relationship who wants to go down that route and the

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Speaker 2: other's like, oh you doing babe, Like this isn't us.

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Speaker 2: How were you so on the same page about this.

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Speaker 4: He's Brazilian, so he's just different to Australian men that

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Speaker 4: I've been with. But he was just immediately like I

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Speaker 4: can't wait to be a father. He has these really

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Speaker 4: traditional Brazilian Catholic values and having that like stability with

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Speaker 4: something I've never experienced before, and it just maybe want

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Speaker 4: to be better, Like we used to smoke and drink.

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Speaker 4: Like when you look at how much money you're spending

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Speaker 4: on alcohol cigarets, it was like what are we doing?

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Speaker 4: Like this is crazy? It just made sense. I think

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Speaker 4: when I first said to him about like the direction

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Speaker 4: I wanted to go, it was a bit of like, oh,

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Speaker 4: like a bit uncomfortable. Then it was like, this is

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Speaker 4: the obvious choice.

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Speaker 2: I love it so much. All Right, I'm gonna ask

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Speaker 2: you some of the stereotypical money diary questions because you

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Speaker 2: don't get out of those, you just have to do

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Speaker 2: them publicly. So let's start with grades on money. So

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Speaker 2: what grade would you give your money habits if I

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Speaker 2: asked you to give them a grade from A through

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Speaker 2: to F.

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Speaker 4: I knew this question was coming, and it's interesting because, like,

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Speaker 4: I have consumed so much these other money over the years,

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Speaker 4: it's like quite surreal, like sitting here but also hearing

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Speaker 4: those questions. And when I thought about the question, my

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Speaker 4: initial reaction was a lower grade. Yeah, But then I thought,

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Speaker 4: what do my habits now actually tell us about my

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Speaker 4: money habits now? So I think I would give myself

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Speaker 4: a B minus.

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Speaker 2: I like that you've really thought about it as well,

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Speaker 2: because I think so many times we just have this

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Speaker 2: underlying assumption of ourselves that we aren't good at money,

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Speaker 2: and that you know, even though you're practicing being good

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Speaker 2: at money, and your budgeting at the moment, it kind

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Speaker 2: of feels a bit like a cosplay. You're like, oh yeah,

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Speaker 2: but I'm just practicing that right now. Deep down I'm

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Speaker 2: not good at it when the reality is like you've

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Speaker 2: changed your reality. So I love the b minus. I

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Speaker 2: think that is fantastic. Tell me a little bit more

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Speaker 2: about I guess your money story as well. So you've

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Speaker 2: explained that your parents split in grade twelve, which would

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Speaker 2: have been not only traumatic because any parent splitting sucks,

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Speaker 2: but like year twelve is such a pivotal period of

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Speaker 2: time as well to go through. So just upheaving, tell

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Speaker 2: us a little bit more about I guess how you

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Speaker 2: learned about money growing up and then what you're trying

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Speaker 2: to teach your son about money.

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Speaker 4: Okay, So being a parent now, it's really shone a

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Speaker 4: light on like just how different parenting was for our

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Speaker 4: parents generation. Like everyone has different information accessible to them,

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Speaker 4: but it was a different world in the parenting game.

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Speaker 4: And I feel like my parents had a lot of

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Speaker 4: conversations around us as kids that I probably wouldn't have

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Speaker 4: around my children, and especially with money, like it was

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Speaker 4: just always a point of arguing or it was like

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Speaker 4: kind of used as you know, a tool, like oh,

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Speaker 4: can I have this thing as a kid, And it's

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Speaker 4: like no, because we've spent the money on X. You know,

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Speaker 4: it's just like not information that you need as a child.

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Speaker 2: No, And it feels overwhelming, like you just go, oh sorry, dad, Like,

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Speaker 2: oh now I feel like a burden and a child

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Speaker 2: should never feel like a burden.

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Speaker 4: Oh one hundred percent, you feel guilty. Let's be real.

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Speaker 4: It was really messy and my dad was a a contractor,

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Speaker 4: I guess, like a consultant, so there would be like

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Speaker 4: big influxes of money and then big spendings of money,

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Speaker 4: so they'd be like one like really lavish Christmas and

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Speaker 4: like lots of presents, and then they would be like

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Speaker 4: really tight. They'd be like no money. So it was

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Speaker 4: just really unstable. So I think I had this association

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Speaker 4: with money that it was not stable, not safe, can't

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Speaker 4: be talked about healthily and just yuck.

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Speaker 2: Yeah fair, and like that's kind of what you were

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Speaker 2: shown as well. And I think it's so challenging for

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Speaker 2: kids because like you don't conceptualize you know, erratic income,

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Speaker 2: like you can't understand oh well dad just got this

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Speaker 2: really big contract and that makes sense. You just go,

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Speaker 2: why did we have that? Now we don't have that,

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Speaker 2: Like you feel like you've lost something. And I think

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Speaker 2: that that carries through to adulthood and the way that

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Speaker 2: we spend, and often if we've been through traumatic periods

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Speaker 2: like that, we start spending without a lot of regard

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Speaker 2: because you just go, oh, well, money comes and goes,

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Speaker 2: like we'll probably come into a big bulk amount of

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Speaker 2: it at some point and we'll be fine and I'll

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Speaker 2: pay off that debt. But it's not necessarily true.

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Speaker 4: I worked since I was like fourteen, and then when

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Speaker 4: I turned eighteen, went stra right to the bank, got

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Speaker 4: a credit card, and went to Europe.

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Speaker 2: Yep, slay like it's not even a bad thing to

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Speaker 2: talk about. I think it's just I didn't have the

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Speaker 2: level of financial literacy that I want to afford everybody

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Speaker 2: and else. She's on the money community, right, Like I

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Speaker 2: grew up with a dad who was fantastic at money,

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Speaker 2: like he's an accountant, Like he's brilliant at it. I

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Speaker 2: just look at it and go I wasn't ready to

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Speaker 2: hear what he wanted to share with me, though, And

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Speaker 2: I find that's so interesting because so many times people

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Speaker 2: will say like, oh, yeah, well your dad was an

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Speaker 2: account it makes sense that your financial advice, right, Arahan,

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Speaker 2: I'm like no, Like I think I automatically just bucked

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Speaker 2: at you know, this idea that my parents knew what

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Speaker 2: they were talking about. Like, you know, I remember crying

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Speaker 2: at the dining table because my dad would be like,

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Speaker 2: you have to do your maths homework or you have

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Speaker 2: to learn your times tables or whatever, and I'd literally

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Speaker 2: be like crying because I didn't want to do it.

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Speaker 4: A big you don't know how hard it is.

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Speaker 2: And then I became this adult who needed to get

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Speaker 2: into debt so that I learnt how painful that was

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Speaker 2: so I could get out of debt and now teach

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Speaker 2: others how to stay out of it. And a lot

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Speaker 2: of people go, don't you regret that? And I go, well,

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Speaker 2: not really, like it's part of my journey and sorry, Dad,

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Speaker 2: still love you, Please don't hate me for this.

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Speaker 4: I love that.

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Speaker 2: Sorry I didn't listen.

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Speaker 4: And that's such a beautiful like time because when I

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Speaker 4: did go to Europe, like, yeah, I had some big

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Speaker 4: years and I had to learn that lesson too. But

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Speaker 4: when I was learning that lesson was right when she's

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Speaker 4: on the money started. Oh, welcome, welcome, And I remember

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Speaker 4: someone at my work just being like, have you listened

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Speaker 4: to that? I started listening and that was like the

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Speaker 4: start of me getting out of debt. And that was

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Speaker 4: the start of everything, like this whole journey, which is like,

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Speaker 4: when did she'sa on the Money start? What year?

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Speaker 2: Oh, like twenty eighteen, twenty nineteen depends on whether you

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Speaker 2: were introduced to the podcast or the Facebook group podcast.

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Speaker 4: Yeah, okay, so twenty nineteen. Wow, Yeah, that was the

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Speaker 4: beginning of it all. So I was like, yeah, about

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Speaker 4: twenty five that was when I started getting out of debt.

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Speaker 4: And that was like just listening to you, having you

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Speaker 4: in my ears and having the community members and you.

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Speaker 4: I think that was the start of such an incredible

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Speaker 4: revolution for millennial Australian women to hear that other people

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Speaker 4: were going through money shit and they're not just like

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Speaker 4: the only one, you know, And that's what it was

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Speaker 4: for me. And I was like, Okay, I can do this,

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Speaker 4: and I got out of like twenty grand of debt,

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Speaker 4: which was just insane.

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Speaker 2: Oh my gosh, I love that so much. I adore it. Hannah.

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Speaker 2: We know you're an R and B artist, You're a

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Speaker 2: content creator. You're a mum, but we now need to

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Speaker 2: know the deep nitty gritty what do you technically do

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Speaker 2: for work and how much money are you earning?

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Speaker 4: Okay, so technically I am a content creator. I have

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Speaker 4: a business where I do content strategy, so I work

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Speaker 4: with business owners and content creators to grow their social

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Speaker 4: medias and it's all kind of under the same umbrella.

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Speaker 4: So I have content strategy, and I'm a content creator,

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Speaker 4: and I do music, and I earn income from all

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Speaker 4: three of those avenues.

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Speaker 2: That is literally so slay. If we said a percentage breakdown,

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Speaker 2: would you say that, like, content strategy is number one,

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Speaker 2: then your content creator is number two, and music is three.

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Speaker 4: Yes, that's very accurate at the moment, I would say.

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Speaker 4: So my business is Socially Sands. That's my content strategy business.

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Speaker 4: And it's in its first year officially started in July

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Speaker 4: after I came off maternity leave with my son. It's

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Speaker 4: always changing, but I've estimated this year gross I'll earn

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Speaker 4: about one sixty.

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Speaker 2: How good is that? Oh? Yeah, first year out? Oh,

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Speaker 2: I'll just earn one sixty. What they're hecking? How did

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Speaker 2: you go from being Oh, I'm on Matt leave. You

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Speaker 2: know what I'm going to do come July. I'll start

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Speaker 2: my own business. And it's not just going to be

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Speaker 2: like a small business where I have to sacrifice a lot.

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Speaker 2: How have you gone from being, you know, literally on

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Speaker 2: matt leave to earning approximately one sixty Well.

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Speaker 4: One of my favorite things to talk about and the

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Speaker 4: way that we connected is TikTok. And I was like

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Speaker 4: so many other millennial women who was just like, I

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Speaker 4: don't get TikTok. It's just people dancing. I don't understand it,

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Speaker 4: Like I'll i'll ever be on there. And when my

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Speaker 4: son was six months old and I was me and

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Speaker 4: I was giving myself the ick, like as an artist,

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Speaker 4: you hear about how transformational TikTok can be for people,

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Speaker 4: and I was like, why am I like this? Like

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Speaker 4: why do I have this limiting belief that I can't

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Speaker 4: do it? It's because I wasn't really giving it my all.

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Speaker 4: And I've always been working. I was in postpartum on

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Speaker 4: attorney leave, but I have time, yeah, And I decided

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Speaker 4: to go all in on content creation. And I spent

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Speaker 4: like a good few months just figuring out the ins

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Speaker 4: and outs of TikTok and really forming a strategy. Well,

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Speaker 4: last year alone, I've grown to almost fifty thousand followers

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Speaker 4: on TikTok and that's hard to do now, I mean

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Speaker 4: it is, but there's definitely formulas. And that's why I

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Speaker 4: started my business socially stands because I had so many

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Speaker 4: people coming to me being like, how do you do it?

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Speaker 4: How do you do it? And I was like, I

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Speaker 4: wonder if I can apply this to everyone else, And

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Speaker 4: surely enough I can. And I have worked with so

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Speaker 4: many incredible content creators, moms, business owners, like brand owners,

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Speaker 4: and I'm like, Okay, there's a real thing here of

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Speaker 4: helping people. So yeah, yeah, I've started working with so

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Speaker 4: many beautiful creators and the demand just grew and grew.

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Speaker 4: Obviously because there's that demand, I guess for people who

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Speaker 4: want to step into that want to grow the audiences,

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Speaker 4: they can't figure it out. I started, and I really

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Speaker 4: like leant in and it just has been kind of insane,

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Speaker 4: Like I feel like even one sixty is like conservative

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Speaker 4: for this year, Like it's a big time.

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Speaker 2: I love it and I love the growth. Tell us

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Speaker 2: a little bit about what does your husband do and

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Speaker 2: how much on average is he earning to bring to

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Speaker 2: the table for this, like whole budgeting content that you

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Speaker 2: put out.

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Speaker 4: So my partner is a casual barber. He works four

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Speaker 4: days a week, so he's home with us three days

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Speaker 4: a week and he earns roughly fifty k I.

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Speaker 2: Just love watching your content. I obviously am about to

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Speaker 2: have my own baby, which is really really fun, and

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Speaker 2: watching your husband be a dad, I'm like, I hope

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Speaker 2: this is what it's like, Gwen Steve becomes a dad,

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Speaker 2: because you can just see how engaged he is in

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Speaker 2: the process and how much love there is in your family.

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Speaker 2: Like it's one of the things that I just really

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Speaker 2: love following you for because I just go, it's not

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Speaker 2: just budgeting, it's not just this, like your lifestyle is

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Speaker 2: something to be envied. I'm just like, they're always so happy.

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Speaker 2: Like the other day you posted this video of you

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Speaker 2: guys just dancing in the kitchen, and I was like,

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Speaker 2: that's what I want.

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Speaker 4: I love that. I mean, look, it's definitely not always happy.

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Speaker 4: The relationship after baby is a big shift, and it's

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Speaker 4: a beautiful shift and it's an evolution, but it's definitely

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Speaker 4: not thousand rainbows and smiles all the time. We also

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Speaker 4: don't have a heap of support. Polo's family is obviously

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Speaker 4: in Brazil, and I just don't have much family around,

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Speaker 4: so it's been a real initiation and step up in

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Speaker 4: our relationship. But I do always try to keep it

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Speaker 4: real with my community as well, because sometimes I'm just

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Speaker 4: like wow, like the mum rage early on, I was like, wow,

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Speaker 4: I've never been so angry. It's okay now, and I

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Speaker 4: don't want to freak you out, but like.

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Speaker 2: No, I can see it coming for me. I can

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Speaker 2: just see it manifesting.

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Speaker 4: Oh yeah, the rage was realized, Like okay, And you

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Speaker 4: know that has well connected me with my community because

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Speaker 4: a lot of mums are just like, we don't want

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Speaker 4: to see just esthetic, gorgeous people online all the time,

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Speaker 4: like it's not realistic. Like we want to hear how

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Speaker 4: creators feel after you've had a blout with your partner.

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Speaker 4: How do you feel? What are you working through? What

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Speaker 4: are the steps we're taking? You know, Like it's a

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Speaker 4: whole beautiful mess. And although sometimes we are gorgeously happy

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Speaker 4: and I feel like we are building out a life

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Speaker 4: that we really value and really desire, sometimes it's difficult

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Speaker 4: as well and messy and ugly.

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Speaker 2: I love the transparency. I think it's really really important.

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Speaker 2: Tell me a bit more about money, though. I want

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Speaker 2: to know what are your big money goals this year?

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Speaker 2: What are you currently working towards.

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Speaker 4: So this is a tricky question for me because I'm like,

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Speaker 4: I want to set these big goals, and I have

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Speaker 4: goals that I'm working towards, but I think they're not

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Speaker 4: like tangible things necessarily. I think one of my big

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Speaker 4: goals is we want to have another baby.

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Speaker 2: Yes, more babies, more off I know.

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Speaker 4: Look, my partner's Brazilian. Big families are really common in Brazil,

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Speaker 4: and we want a big family. But if I'm going

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Speaker 4: to be in this serious role as my own business owner,

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Speaker 4: I need to have shit sorted up because I need

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Speaker 4: to be able to put myself on attorney leave. I

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Speaker 4: need to know what that looks like. This is just

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Speaker 4: all new for us, you know. So I think a

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Speaker 4: money goal this year is to have like that plan

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Speaker 4: kind of clear of if we're blessed to get pregnant again,

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Speaker 4: how that looks and what that looks like, and how

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Speaker 4: I can go on mattornity leave. And then I think

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Speaker 4: the big thing there is that my partner wouldn't actually

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Speaker 4: return to work.

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Speaker 2: Yeah, and I think that that's really beautiful, but it's

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Speaker 2: a compromise that you need to make in order to

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Speaker 2: have the life you want. Right, Like, we're in the

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Speaker 2: middle of working out what this looks like for us,

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Speaker 2: and baby's not here yet, but we'll be very very soon,

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Speaker 2: and my husband's taking the first six months off. And

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Speaker 2: it's strange watching people's responses to that as well, because

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Speaker 2: you know, you're the bread winner in you family at

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Speaker 2: the moment, and I am as well. And you know,

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Speaker 2: my husband loves his job, like as I'm sure yours does.

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Speaker 2: But you just go, well, what compromise do we need

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Speaker 2: to make to make this work to give our babies

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Speaker 2: the life that we think they deserve. Like I don't

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Speaker 2: want to have them in daycare full time. And I'm

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Speaker 2: not saying that's even a bad thing. I just don't

433
00:20:20,960 --> 00:20:23,320
Speaker 2: want that. Like I might turn around and go actually

434
00:20:23,600 --> 00:20:26,360
Speaker 2: change my mind. We're on a daycare wait list anyway,

435
00:20:26,400 --> 00:20:28,320
Speaker 2: because I'm like, well, what if I after six months my

436
00:20:28,400 --> 00:20:31,320
Speaker 2: husband doesn't like staying home, Like, I don't want him

437
00:20:31,359 --> 00:20:34,080
Speaker 2: to feel forced into, you know, a lifestyle that he,

438
00:20:34,359 --> 00:20:36,880
Speaker 2: you know, isn't in love with. So I think there's

439
00:20:36,920 --> 00:20:40,600
Speaker 2: so many moving parts of it, but even just us,

440
00:20:40,800 --> 00:20:43,520
Speaker 2: like we have been planning this baby since like twenty twenty,

441
00:20:43,880 --> 00:20:46,239
Speaker 2: and like then we decided, okay, we'll get engaged, then

442
00:20:46,240 --> 00:20:48,240
Speaker 2: we'll get married, and then once we get married, we'll

443
00:20:48,280 --> 00:20:50,680
Speaker 2: try and then you know, we obviously had a number

444
00:20:50,760 --> 00:20:53,200
Speaker 2: of complications along the way and so it didn't work

445
00:20:53,240 --> 00:20:56,359
Speaker 2: out the way we thought. But we've been budgeting since

446
00:20:56,400 --> 00:20:59,760
Speaker 2: then to go all right, well Victorian needs to take

447
00:20:59,800 --> 00:21:02,919
Speaker 2: time off. That means how are we covering all of

448
00:21:02,920 --> 00:21:05,640
Speaker 2: our expenses? How are we you know, going to deal

449
00:21:05,680 --> 00:21:07,920
Speaker 2: with this? How am I going to keep my business

450
00:21:08,040 --> 00:21:10,240
Speaker 2: up and running during a period of time where I

451
00:21:10,280 --> 00:21:12,560
Speaker 2: have to step out? I'm the face of the business.

452
00:21:12,560 --> 00:21:15,320
Speaker 2: How does that work? It is a lot to take.

453
00:21:15,200 --> 00:21:18,720
Speaker 4: On, It is and I think I want to say, like,

454
00:21:19,280 --> 00:21:21,720
Speaker 4: how just cool that is to have that conversation with

455
00:21:21,760 --> 00:21:23,480
Speaker 4: you and be here and be like, you know, just

456
00:21:23,480 --> 00:21:24,720
Speaker 4: to hear you say you know, you're the red winner

457
00:21:24,760 --> 00:21:26,359
Speaker 4: of your family and soul. Am I Like, what an

458
00:21:26,400 --> 00:21:29,800
Speaker 4: incredible time and how incredible just to be sitting here

459
00:21:29,840 --> 00:21:32,920
Speaker 4: and having that conversation as well, because this isn't something

460
00:21:32,960 --> 00:21:35,600
Speaker 4: I imagine for myself, you know, it's all happening. But

461
00:21:35,720 --> 00:21:37,920
Speaker 4: I think you're right, Like, there's not that many people

462
00:21:37,920 --> 00:21:41,119
Speaker 4: having conversations like that, and it is interesting, even with

463
00:21:41,160 --> 00:21:45,520
Speaker 4: sharing my money so transparently, people have like predetermined ideas

464
00:21:45,520 --> 00:21:47,680
Speaker 4: about me in my life. It's like, you know, people

465
00:21:47,680 --> 00:21:49,719
Speaker 4: will be like, wow, how rich are you and like

466
00:21:49,760 --> 00:21:51,639
Speaker 4: it's interesting. But I think even a few people I

467
00:21:51,640 --> 00:21:54,679
Speaker 4: have said, are now the entire world that like, you know,

468
00:21:54,800 --> 00:21:57,360
Speaker 4: oh yeah my goals like retire my husband. I mean,

469
00:21:57,400 --> 00:21:59,879
Speaker 4: like it's not like that, but it's just like, I

470
00:22:00,080 --> 00:22:03,400
Speaker 4: think our life looks so much fuller with me being

471
00:22:03,400 --> 00:22:05,760
Speaker 4: able to work with like a flexible schedule and him

472
00:22:05,760 --> 00:22:07,919
Speaker 4: being able to stay home with our babies. And he

473
00:22:07,960 --> 00:22:09,760
Speaker 4: loves the idea. Like I'm not speaking for him, but

474
00:22:10,280 --> 00:22:16,040
Speaker 4: it's a really powerful conversation and a really incredible evolution

475
00:22:16,160 --> 00:22:17,919
Speaker 4: of our family and of your family, and it's just

476
00:22:17,920 --> 00:22:19,800
Speaker 4: like it's so exciting. I'm just so here for it.

477
00:22:20,040 --> 00:22:22,760
Speaker 2: I am also so here for it. I think I

478
00:22:22,880 --> 00:22:25,800
Speaker 2: just assumed everybody would be so much more like yeah,

479
00:22:25,800 --> 00:22:28,359
Speaker 2: that just makes sense. But a lot of people like, wait,

480
00:22:28,440 --> 00:22:30,640
Speaker 2: what's your husband going to do at home? Like what's

481
00:22:30,680 --> 00:22:32,119
Speaker 2: he going to do? I'm like, why an't we asking

482
00:22:32,160 --> 00:22:35,080
Speaker 2: this if women like you guys are here saying, oh,

483
00:22:35,160 --> 00:22:36,960
Speaker 2: are you sure your husband will like that? I'm like,

484
00:22:37,600 --> 00:22:40,199
Speaker 2: just like your husband, My husband, I think wanted babies

485
00:22:40,240 --> 00:22:42,000
Speaker 2: the day that we met, Like he would have had

486
00:22:42,040 --> 00:22:44,520
Speaker 2: babies like way way, way, way, way ago. I have

487
00:22:44,640 --> 00:22:47,040
Speaker 2: been the problem, Like I am the issue. I'm the

488
00:22:47,040 --> 00:22:48,800
Speaker 2: one that's like, look, I actually do really want to

489
00:22:48,800 --> 00:22:50,840
Speaker 2: get married first. I would really like to buy our

490
00:22:50,840 --> 00:22:53,440
Speaker 2: first property first. And like every time, he'd just roll

491
00:22:53,480 --> 00:22:55,080
Speaker 2: his eyes and be like, fine, let's do this and

492
00:22:55,080 --> 00:22:58,200
Speaker 2: then can I have the baby? Like does that make sense?

493
00:22:58,240 --> 00:23:00,520
Speaker 2: And I think so many times people look it and go,

494
00:23:00,800 --> 00:23:02,320
Speaker 2: what's your husband going to do? And I'm like, my

495
00:23:02,520 --> 00:23:07,200
Speaker 2: husband is so capable and so kind. The only thing

496
00:23:07,240 --> 00:23:09,040
Speaker 2: I don't think he's going to be able to do, guys,

497
00:23:09,160 --> 00:23:13,400
Speaker 2: is breastfeed. And that's fine. Absolutely everything else is going

498
00:23:13,440 --> 00:23:16,440
Speaker 2: to be covered, Like, that's fine. I'll take the breastfeeding

499
00:23:16,520 --> 00:23:19,240
Speaker 2: journey on, no worries. I'm just taking one for the team.

500
00:23:19,560 --> 00:23:23,880
Speaker 2: But people are so confused when you flip that gender

501
00:23:24,000 --> 00:23:26,120
Speaker 2: narrative and they go, wait, what do you mean You're

502
00:23:26,119 --> 00:23:28,880
Speaker 2: not planning on spending that much time at home, don't

503
00:23:28,920 --> 00:23:30,640
Speaker 2: you have to recover, and I'm like, of course, I'll

504
00:23:30,680 --> 00:23:33,760
Speaker 2: give my body time to recover. But like I thrive

505
00:23:33,920 --> 00:23:37,120
Speaker 2: in business, I love my team, I love my work,

506
00:23:37,160 --> 00:23:40,159
Speaker 2: I love my community, and I just don't want to

507
00:23:40,200 --> 00:23:42,800
Speaker 2: spend that much time away. If that changes, though, Guys,

508
00:23:42,840 --> 00:23:44,960
Speaker 2: don't worry. I've got heaps of content banked for you,

509
00:23:45,000 --> 00:23:47,280
Speaker 2: so you're not going to miss out. Let's go to

510
00:23:47,320 --> 00:23:49,720
Speaker 2: a really quick break because on the flip side, I

511
00:23:49,760 --> 00:23:52,400
Speaker 2: have so many more questions for you, Hannah. Guys, don't

512
00:23:52,440 --> 00:23:59,480
Speaker 2: go anywhere. All right, we are back with Hannah Sans,

513
00:23:59,480 --> 00:24:02,120
Speaker 2: who is a gorgeous R and B artist and content

514
00:24:02,160 --> 00:24:07,160
Speaker 2: creator and mum and business owner and all around hustler. Hannah,

515
00:24:07,280 --> 00:24:09,800
Speaker 2: I want to know when it comes to investments, are

516
00:24:09,800 --> 00:24:13,040
Speaker 2: you investing If so in what if not? Do you

517
00:24:13,080 --> 00:24:13,600
Speaker 2: have a plan?

518
00:24:14,560 --> 00:24:14,720
Speaker 4: Oh?

519
00:24:14,880 --> 00:24:17,400
Speaker 2: Triggered, No, not meant to be triggering.

520
00:24:18,400 --> 00:24:20,560
Speaker 4: I think it's just this journey where I'm like constantly

521
00:24:20,560 --> 00:24:22,400
Speaker 4: wanting to be better, and I'm like, that is definitely

522
00:24:22,400 --> 00:24:25,480
Speaker 4: something that I do. I mean, she's on the money,

523
00:24:25,480 --> 00:24:28,160
Speaker 4: literally taught me about investing. I'd never heard about investing before,

524
00:24:28,240 --> 00:24:32,480
Speaker 4: and then just going down this like massive run of

525
00:24:32,560 --> 00:24:36,120
Speaker 4: all the things I think investing in properties is definitely

526
00:24:36,119 --> 00:24:38,760
Speaker 4: something that feels aligned for us. We own our home

527
00:24:38,760 --> 00:24:41,439
Speaker 4: that we're in now, and I think that's what happened

528
00:24:41,480 --> 00:24:43,720
Speaker 4: when we were kind of going down the road of

529
00:24:43,840 --> 00:24:48,399
Speaker 4: becoming more financially literate, deciding whether to invest in some investments,

530
00:24:48,600 --> 00:24:52,240
Speaker 4: and then we got pregnant and decided to try to

531
00:24:52,240 --> 00:24:53,960
Speaker 4: get into the property market, and that's what we did.

532
00:24:54,240 --> 00:24:57,840
Speaker 4: But definitely goals is to be investing in the near future.

533
00:24:58,200 --> 00:25:00,840
Speaker 2: I adore it, and I think we need to break

534
00:25:00,840 --> 00:25:03,160
Speaker 2: down this idea that you have to already be investing

535
00:25:03,240 --> 00:25:06,760
Speaker 2: to be good, Like you have the financial literacy to

536
00:25:06,800 --> 00:25:09,200
Speaker 2: know what you need and how that works and where

537
00:25:09,200 --> 00:25:12,240
Speaker 2: you're going. And that's what I want to afford people

538
00:25:12,240 --> 00:25:15,119
Speaker 2: with not necessarily go all right, well where's your share portfolio,

539
00:25:15,200 --> 00:25:18,320
Speaker 2: Chop chop, let's get on it. It's more you know

540
00:25:18,640 --> 00:25:21,360
Speaker 2: when that can fit into your lifestyle. You know when

541
00:25:21,359 --> 00:25:25,159
Speaker 2: that's gonna work. Because, as it turns out, Hannah, money's

542
00:25:25,200 --> 00:25:28,320
Speaker 2: not unlimited, Like you can't just do everything all at once,

543
00:25:28,400 --> 00:25:30,639
Speaker 2: and when you're creating this journey, it's kind of like

544
00:25:31,080 --> 00:25:34,040
Speaker 2: there are key milestones along the way and we can't

545
00:25:34,080 --> 00:25:36,959
Speaker 2: hit them all at one time. Like that's unreasonable and

546
00:25:37,080 --> 00:25:38,560
Speaker 2: really really unrealistic.

547
00:25:38,960 --> 00:25:39,520
Speaker 4: So true.

548
00:25:39,760 --> 00:25:42,760
Speaker 2: So tell me about debt. So have you been in debt?

549
00:25:43,160 --> 00:25:46,120
Speaker 2: You mentioned it before. Are you in debt currently? What

550
00:25:46,160 --> 00:25:47,240
Speaker 2: does that look like for you?

551
00:25:47,920 --> 00:25:51,920
Speaker 4: So? I'm currently in four hundred and fifty thousand dollars

552
00:25:51,960 --> 00:25:55,639
Speaker 4: of debt with this beautiful home. I've gotten out of

553
00:25:55,640 --> 00:25:58,359
Speaker 4: personal debt, which is just so wild because there was

554
00:25:58,359 --> 00:26:00,639
Speaker 4: definitely a time literally for you years ago, where I

555
00:26:00,760 --> 00:26:04,280
Speaker 4: just could never imagine getting out when you're so under it.

556
00:26:04,720 --> 00:26:06,800
Speaker 4: You know, you have twenty thousand dollars and you're like, yeah,

557
00:26:06,840 --> 00:26:09,040
Speaker 4: two hundred dollars, Like yeah, it's chipping away, but then

558
00:26:09,080 --> 00:26:12,080
Speaker 4: it does compound and you're like, oh my god, I'm

559
00:26:12,119 --> 00:26:13,600
Speaker 4: actually going to get out of this, and then like

560
00:26:13,640 --> 00:26:16,520
Speaker 4: closing the account. I mean, it feels like an afterthought now,

561
00:26:16,600 --> 00:26:18,959
Speaker 4: but it was a huge part of my twenties, and

562
00:26:18,960 --> 00:26:20,520
Speaker 4: that's as well with my content, Like I hope that

563
00:26:20,520 --> 00:26:23,280
Speaker 4: people who are listening and are on that journey because

564
00:26:23,320 --> 00:26:26,119
Speaker 4: I just so see you and I so resonate with

565
00:26:26,160 --> 00:26:28,760
Speaker 4: that feeling of just being like this is me, Like

566
00:26:28,840 --> 00:26:31,840
Speaker 4: this is just me forever now, you know. Yeah, being

567
00:26:31,840 --> 00:26:33,240
Speaker 4: out of that feels really good.

568
00:26:33,600 --> 00:26:36,400
Speaker 2: I adore that so much. What do you think your

569
00:26:36,400 --> 00:26:38,520
Speaker 2: best money habits are. I feel like you've got a

570
00:26:38,520 --> 00:26:41,360
Speaker 2: few nowadays, and I think you should share.

571
00:26:41,880 --> 00:26:45,800
Speaker 4: Best money habits now would be since starting this budgeting series,

572
00:26:45,840 --> 00:26:47,280
Speaker 4: it's like the Chicken and the Egg right, Like the

573
00:26:47,320 --> 00:26:49,399
Speaker 4: content actually came first. I was like, I want to

574
00:26:49,440 --> 00:26:51,639
Speaker 4: do this, like content, what does that actually look like?

575
00:26:51,880 --> 00:26:53,800
Speaker 4: And I realized I had to go through my expenses

576
00:26:53,840 --> 00:26:56,920
Speaker 4: and track my expenses. So it's like that has been

577
00:26:57,320 --> 00:27:00,600
Speaker 4: kind of revolutionary for our family, like actually looking where

578
00:27:00,640 --> 00:27:02,840
Speaker 4: our money goes. There's a piece of content that went

579
00:27:02,880 --> 00:27:05,359
Speaker 4: like semi viral in the first week when I was

580
00:27:05,920 --> 00:27:08,159
Speaker 4: beginning to track our expenses and I realized we were

581
00:27:08,160 --> 00:27:11,040
Speaker 4: spending seventy dollars a week on eggs.

582
00:27:11,359 --> 00:27:13,640
Speaker 2: We eating all these eggs or were throwing them at

583
00:27:13,640 --> 00:27:16,679
Speaker 2: our arch nemesis, Like how many eggs is that?

584
00:27:18,320 --> 00:27:21,120
Speaker 4: Literally, I don't even want to talk about it. Look

585
00:27:21,320 --> 00:27:23,320
Speaker 4: as I share my content our values, like we really

586
00:27:23,359 --> 00:27:25,560
Speaker 4: like organic and local food, so we get our food

587
00:27:25,560 --> 00:27:28,240
Speaker 4: from the local farmer's market. It's organic, it comes with

588
00:27:28,280 --> 00:27:30,199
Speaker 4: the price increase. That's just the way it is. We

589
00:27:30,240 --> 00:27:33,400
Speaker 4: don't really like to eat meat and any animal prodiduce

590
00:27:33,440 --> 00:27:35,760
Speaker 4: from the supermarket, so it comes with the price increase,

591
00:27:35,760 --> 00:27:37,560
Speaker 4: and where Fin'm with that, we're adapting our lifestyle to

592
00:27:37,800 --> 00:27:39,919
Speaker 4: suit that because it's a value of our So eggs

593
00:27:40,000 --> 00:27:43,359
Speaker 4: ain't cheap, baby, they're like twelve dollars a corton.

594
00:27:43,560 --> 00:27:46,440
Speaker 2: Oh my gosh, But what are you doing with all

595
00:27:46,440 --> 00:27:48,959
Speaker 2: these eggs? Genuinely, I need to know, like are we

596
00:27:49,200 --> 00:27:52,240
Speaker 2: just eating eggs every day for breakfast? Like you didn't

597
00:27:52,280 --> 00:27:54,320
Speaker 2: address the fact that I asked you if we're throwing

598
00:27:54,320 --> 00:27:56,760
Speaker 2: them at our arch nemesis? Like what are we doing

599
00:27:56,760 --> 00:27:59,480
Speaker 2: with so many eggs? Like take us through the egg

600
00:27:59,480 --> 00:28:00,639
Speaker 2: consumption in a week?

601
00:28:00,840 --> 00:28:05,160
Speaker 4: No arch Nemesis, eggs have been thrown. We do eat

602
00:28:05,200 --> 00:28:08,000
Speaker 4: a lot of eggs. We have like three eggs each

603
00:28:08,000 --> 00:28:10,840
Speaker 4: for breakfast. My son has two eggs for breakfast. My

604
00:28:10,840 --> 00:28:13,040
Speaker 4: son's one and he's Brazilian. Heats a lot.

605
00:28:13,240 --> 00:28:15,360
Speaker 2: Yeah, okay, you know that's.

606
00:28:15,320 --> 00:28:18,160
Speaker 4: Eight eggs in the morning. Darn't in one day.

607
00:28:18,640 --> 00:28:20,560
Speaker 2: I can't deal with that. That's so many eggs.

608
00:28:20,680 --> 00:28:23,080
Speaker 4: My partner bakes, so like you know, he'll bake, He'll

609
00:28:23,080 --> 00:28:25,400
Speaker 4: cook like a key shore of for Tata that's got

610
00:28:25,400 --> 00:28:26,960
Speaker 4: a lot of eggs. And then he'll make like a

611
00:28:27,000 --> 00:28:28,720
Speaker 4: custard that's got ten egg eggs in it.

612
00:28:28,880 --> 00:28:31,399
Speaker 2: Yeah, yeah, okay, so you're just eating really well and

613
00:28:31,440 --> 00:28:33,560
Speaker 2: I'm actually quite envious of it. But I have in

614
00:28:33,600 --> 00:28:36,159
Speaker 2: my head, like my sister and I talk about this

615
00:28:36,240 --> 00:28:39,240
Speaker 2: all the time, and this is really rogue and totally

616
00:28:39,280 --> 00:28:41,040
Speaker 2: not meant to go on the show. But like in

617
00:28:41,040 --> 00:28:42,960
Speaker 2: my head, I have an egg rule, like I can

618
00:28:43,040 --> 00:28:46,040
Speaker 2: only consume three eggs a day. So like if I

619
00:28:46,200 --> 00:28:49,520
Speaker 2: had like two eggs for breakfast on toast, like I

620
00:28:49,600 --> 00:28:52,560
Speaker 2: have one egg to spend later on a snack. If

621
00:28:52,600 --> 00:28:55,160
Speaker 2: you said to me, oh, you had scrambled eggs, well sorry,

622
00:28:55,240 --> 00:28:57,719
Speaker 2: I know there's probably three eggs in that can't consume

623
00:28:57,760 --> 00:28:59,520
Speaker 2: eggs for the rest of the day. I don't know

624
00:28:59,560 --> 00:29:02,920
Speaker 2: where this rule comes from. It can't even be that healthy,

625
00:29:02,920 --> 00:29:05,440
Speaker 2: because eggs are great for you. But in my head,

626
00:29:05,600 --> 00:29:08,000
Speaker 2: three eggs, we're done. Like it's just an egg rule.

627
00:29:08,040 --> 00:29:09,360
Speaker 2: And my sister brought it up.

628
00:29:09,400 --> 00:29:10,800
Speaker 4: There's a cap three and you're out.

629
00:29:10,920 --> 00:29:13,480
Speaker 2: Yeah yeah, yeah, like three and done. And my sister

630
00:29:13,680 --> 00:29:15,800
Speaker 2: ages ago brought it up, and I was like, why

631
00:29:15,920 --> 00:29:18,720
Speaker 2: we like this, Where did this come from? What is

632
00:29:18,760 --> 00:29:21,440
Speaker 2: this about? Why have we got an egg rule. Maybe

633
00:29:21,480 --> 00:29:24,960
Speaker 2: it's because they're so expensive. We do not share that rule,

634
00:29:25,120 --> 00:29:28,200
Speaker 2: We absolutely don't. So what other good money habits do

635
00:29:28,280 --> 00:29:30,320
Speaker 2: you have now that you didn't have previously?

636
00:29:30,600 --> 00:29:32,760
Speaker 4: Circling back like to the tracking expenses, that's just a

637
00:29:32,800 --> 00:29:35,360
Speaker 4: massive one. It's time consuming, like going back, I mean

638
00:29:35,720 --> 00:29:37,840
Speaker 4: this and like subtle plug but like I've switched to

639
00:29:37,920 --> 00:29:41,240
Speaker 4: upbank and like being able to see the breakdown has

640
00:29:41,320 --> 00:29:43,840
Speaker 4: been so helpful because before I was literally going manually

641
00:29:43,880 --> 00:29:46,600
Speaker 4: every single week, but we got rid of so many subscriptions,

642
00:29:46,600 --> 00:29:48,960
Speaker 4: We got rid of so many spendings that just weren't

643
00:29:48,960 --> 00:29:50,800
Speaker 4: serving us. I think this is a good habit that

644
00:29:50,840 --> 00:29:53,040
Speaker 4: I can touch on, which is just like before when

645
00:29:53,080 --> 00:29:57,239
Speaker 4: I started, there was so much miscellaneous spending, like of

646
00:29:57,280 --> 00:29:59,280
Speaker 4: stuff that I just couldn't even tell you why we

647
00:29:59,280 --> 00:30:01,160
Speaker 4: were spending on those. So I think that's a really

648
00:30:01,200 --> 00:30:04,160
Speaker 4: good money habit. Yeah, I think that's pretty much my

649
00:30:04,200 --> 00:30:05,280
Speaker 4: good money habits at the moment.

650
00:30:05,360 --> 00:30:07,840
Speaker 2: I love it all right, Surely there are some left over,

651
00:30:07,880 --> 00:30:10,520
Speaker 2: little naughty money habits. What do you think are your

652
00:30:10,560 --> 00:30:13,960
Speaker 2: worst money habits at this point in time? Is it eggs?

653
00:30:14,240 --> 00:30:15,800
Speaker 4: It's not eggs. I'm going to classify that as a

654
00:30:15,800 --> 00:30:18,360
Speaker 4: good money habit because my gut lady loves me for it.

655
00:30:18,800 --> 00:30:23,240
Speaker 4: I am gonna say, I think that the way that

656
00:30:23,240 --> 00:30:25,640
Speaker 4: we grow up around money is so deeply rooted in us,

657
00:30:25,920 --> 00:30:29,120
Speaker 4: and I still have to kind of catch myself with

658
00:30:29,800 --> 00:30:32,959
Speaker 4: spending large amounts. I think it's a fine line of like,

659
00:30:33,520 --> 00:30:35,720
Speaker 4: I've never earned this much money in my life, so

660
00:30:35,840 --> 00:30:37,680
Speaker 4: it's a fine line between when I'm going to spend

661
00:30:37,680 --> 00:30:40,520
Speaker 4: something and I'm stopping myself. Is that because I'm scared

662
00:30:40,560 --> 00:30:44,240
Speaker 4: that it's a bad money habit because I'm like unconsciously

663
00:30:44,240 --> 00:30:46,280
Speaker 4: spending thinking it's going to come back to me or

664
00:30:46,720 --> 00:30:48,960
Speaker 4: can I afford this thing? I don't have that self

665
00:30:49,000 --> 00:30:50,880
Speaker 4: trust yet. I'm trying to figure that out. So it's

666
00:30:50,920 --> 00:30:52,960
Speaker 4: like that in itself is a bad money habit.

667
00:30:53,360 --> 00:30:57,240
Speaker 2: Yeah, are you budgeting for like discretionary things or like

668
00:30:57,400 --> 00:30:59,920
Speaker 2: fun money or things to spend on yourself. I feel

669
00:30:59,960 --> 00:31:03,880
Speaker 2: like as women, especially as we step into this you know,

670
00:31:04,080 --> 00:31:07,240
Speaker 2: different era of being a parent and a wife, we

671
00:31:07,400 --> 00:31:09,640
Speaker 2: kind of step back and go, oh, there's not much

672
00:31:09,720 --> 00:31:11,560
Speaker 2: room for me. Like you'll happily spend it on your

673
00:31:11,640 --> 00:31:14,520
Speaker 2: husband or you're a child, but you'll never spend it

674
00:31:14,600 --> 00:31:17,800
Speaker 2: on yourself. Like, is that something you're allocating or trying

675
00:31:17,840 --> 00:31:20,360
Speaker 2: to find a little bit more wiggle room for, or

676
00:31:20,440 --> 00:31:22,160
Speaker 2: is this something that you're like, no, V, I haven't

677
00:31:22,160 --> 00:31:23,920
Speaker 2: really thought about it. This is probably the problem.

678
00:31:24,440 --> 00:31:26,800
Speaker 4: Okay. So I love that you touched on this because

679
00:31:26,920 --> 00:31:29,520
Speaker 4: I don't know what it is about my husband. I'm

680
00:31:29,560 --> 00:31:31,840
Speaker 4: just obsessed with him and I love spoiling him. He's

681
00:31:31,880 --> 00:31:34,160
Speaker 4: such a humble beginnings guy, Like he comes from a

682
00:31:34,160 --> 00:31:36,520
Speaker 4: really small town in Brazil. The first flight he ever

683
00:31:36,560 --> 00:31:38,479
Speaker 4: got on was to Australia when he was like in

684
00:31:38,480 --> 00:31:39,240
Speaker 4: his late twenties.

685
00:31:39,360 --> 00:31:41,959
Speaker 2: Can we decide, no, how did you meet? Because I

686
00:31:42,200 --> 00:31:42,800
Speaker 2: love love?

687
00:31:43,320 --> 00:31:46,600
Speaker 4: Okay, we love love. I used to manage a hospitality

688
00:31:46,600 --> 00:31:48,800
Speaker 4: and events business in Brisbane and a short walk was

689
00:31:48,880 --> 00:31:50,760
Speaker 4: a barber shop where there was a coffee shop at

690
00:31:50,800 --> 00:31:52,520
Speaker 4: the window that where everyone would go and get their coffee.

691
00:31:52,680 --> 00:31:54,000
Speaker 4: So I'd go there, like multiple times a day and

692
00:31:54,040 --> 00:31:55,880
Speaker 4: get a coffee and I'd see him cutting hair.

693
00:31:56,040 --> 00:31:57,840
Speaker 2: They're sure it was for the coffee.

694
00:31:58,320 --> 00:32:01,760
Speaker 4: Well it was in the beginning. And I remember saying

695
00:32:01,840 --> 00:32:04,000
Speaker 4: to my friend who managed the barber shop, like, what's

696
00:32:04,000 --> 00:32:04,600
Speaker 4: that guy's deal?

697
00:32:04,680 --> 00:32:04,840
Speaker 1: You know?

698
00:32:05,160 --> 00:32:07,000
Speaker 4: She was like, no, now he has a girlfriend. You know,

699
00:32:07,000 --> 00:32:08,280
Speaker 4: and I would kind of give him the eye and

700
00:32:08,280 --> 00:32:10,400
Speaker 4: he would just like completely shut it down, which now

701
00:32:10,480 --> 00:32:12,480
Speaker 4: upon reflection, I'm like, green flag, yeah.

702
00:32:12,400 --> 00:32:15,400
Speaker 2: Yeah, yeah, one hundred percent green flag, go off king yeah,

703
00:32:15,480 --> 00:32:17,480
Speaker 2: like you protect your space. I like that.

704
00:32:17,720 --> 00:32:20,680
Speaker 4: Literally, he fully called Shotter. And this was years and

705
00:32:20,720 --> 00:32:22,280
Speaker 4: there was always a little bit of like I'd always

706
00:32:22,280 --> 00:32:26,200
Speaker 4: see him around like whatever. And then years later covid

707
00:32:26,520 --> 00:32:28,320
Speaker 4: Era and he popped up on my Tinder.

708
00:32:28,560 --> 00:32:31,560
Speaker 2: Oh hello, obviously that girlfriend thinks not a.

709
00:32:31,440 --> 00:32:34,880
Speaker 4: Thing literally, and I was like, okay, you're single, fabulous

710
00:32:35,040 --> 00:32:37,880
Speaker 4: messaged his colleagues at the barber shop, being like hook

711
00:32:37,880 --> 00:32:38,960
Speaker 4: it up. No you didn't.

712
00:32:39,000 --> 00:32:40,640
Speaker 2: You didn't just message him on Tinder. You were like,

713
00:32:40,680 --> 00:32:43,200
Speaker 2: I'm going deeper, like this has to happen.

714
00:32:43,200 --> 00:32:45,320
Speaker 4: Always the side road. So I was like message his

715
00:32:45,360 --> 00:32:47,000
Speaker 4: colleagues and I was like, hook it up. I think

716
00:32:47,080 --> 00:32:49,240
Speaker 4: he thought I was joking, so he never did anything

717
00:32:49,240 --> 00:32:49,720
Speaker 4: about it.

718
00:32:49,920 --> 00:32:52,959
Speaker 2: Why are they so silly? Sometimes I just wonder.

719
00:32:53,360 --> 00:32:55,800
Speaker 4: He was literally like ha ha ha ha, I'm like cool.

720
00:32:55,840 --> 00:32:57,320
Speaker 4: I'm wait literally waiting.

721
00:32:57,160 --> 00:33:00,200
Speaker 2: No no, no, no, no, like this was serious boy,

722
00:33:00,440 --> 00:33:01,080
Speaker 2: this is love.

723
00:33:01,520 --> 00:33:03,040
Speaker 4: And it kind of was just like that, and then

724
00:33:03,200 --> 00:33:06,200
Speaker 4: we started messaging on Instagram. But because English isn't his

725
00:33:06,240 --> 00:33:11,480
Speaker 4: first language, I rely heavily on my banter to woo people. Yeah, okay,

726
00:33:11,600 --> 00:33:13,080
Speaker 4: and he just wasn't picking.

727
00:33:12,840 --> 00:33:15,800
Speaker 2: Up what I was putting down. He would have been like,

728
00:33:15,880 --> 00:33:18,520
Speaker 2: that is so strange. Why did she say that? What

729
00:33:18,560 --> 00:33:19,520
Speaker 2: a strange lady?

730
00:33:20,200 --> 00:33:22,080
Speaker 4: Pardon Like I'd say things that he'd be like, why

731
00:33:22,240 --> 00:33:25,479
Speaker 4: you say that, And you'd be like, because it's funny,

732
00:33:25,520 --> 00:33:26,440
Speaker 4: But it's not funny.

733
00:33:26,440 --> 00:33:28,760
Speaker 2: When you make me tell you that it was funny.

734
00:33:29,000 --> 00:33:31,360
Speaker 4: I'm like, I'm wooing you, sir. Can you not tell

735
00:33:31,440 --> 00:33:32,200
Speaker 4: I'm wooing you?

736
00:33:32,280 --> 00:33:32,360
Speaker 1: Like?

737
00:33:32,480 --> 00:33:34,760
Speaker 4: He just didn't get it at all. So then, anyway,

738
00:33:34,840 --> 00:33:36,600
Speaker 4: months past, my friend was like, you have to just

739
00:33:36,640 --> 00:33:38,320
Speaker 4: invite him to your house for dinner, like we have

740
00:33:38,360 --> 00:33:40,080
Speaker 4: to go old school here, like just to see there's

741
00:33:40,080 --> 00:33:43,720
Speaker 4: a connection. Yeah, great, invited in for dinner. He came

742
00:33:43,800 --> 00:33:45,560
Speaker 4: for dinner. The rest is history.

743
00:33:45,840 --> 00:33:48,560
Speaker 2: I love this so much. I love love. I love

744
00:33:48,600 --> 00:33:50,440
Speaker 2: that you saw him on Tinder and then you were like,

745
00:33:50,480 --> 00:33:53,000
Speaker 2: I'm not going down this Tinder route, Like absolutely not.

746
00:33:53,280 --> 00:33:55,920
Speaker 2: I'm gonna make other people do my work. Yeah, I'm

747
00:33:55,920 --> 00:33:58,480
Speaker 2: gonna make them involved in my love story. And I

748
00:33:58,520 --> 00:34:00,760
Speaker 2: mean it worked out for you. So I love this

749
00:34:00,960 --> 00:34:02,719
Speaker 2: Tinder brings all the good people together.

750
00:34:03,200 --> 00:34:04,240
Speaker 4: Oh we're pro Tinder.

751
00:34:04,600 --> 00:34:04,800
Speaker 1: Yeah.

752
00:34:04,800 --> 00:34:06,640
Speaker 4: I just love spoiling him. So that's definitely something that

753
00:34:06,680 --> 00:34:08,600
Speaker 4: you're so spot on there, like I do. Like his

754
00:34:08,680 --> 00:34:10,960
Speaker 4: birthday was in January and I had my biggest cash

755
00:34:10,960 --> 00:34:12,560
Speaker 4: month of my business in December, so I was like,

756
00:34:12,920 --> 00:34:17,040
Speaker 4: what do you need baby, Like, let's go. And yeah,

757
00:34:17,080 --> 00:34:19,920
Speaker 4: but I think that I'm okay with spending on myself

758
00:34:20,040 --> 00:34:22,759
Speaker 4: and actually with my budgeting series. Something I haven't really

759
00:34:22,800 --> 00:34:25,759
Speaker 4: shared is that that doesn't include money that I put

760
00:34:25,800 --> 00:34:28,840
Speaker 4: aside for my business expenses. And I'm like, you, like,

761
00:34:28,840 --> 00:34:31,160
Speaker 4: I'm a business girl. When I spoil myself, it's on

762
00:34:31,239 --> 00:34:33,640
Speaker 4: my business. It's like I'm purchasing new stuff for my business.

763
00:34:33,680 --> 00:34:36,040
Speaker 4: I'm investing in another mental of my business. I'm doing

764
00:34:36,080 --> 00:34:38,680
Speaker 4: another course of my business, like that's my fun splash,

765
00:34:38,719 --> 00:34:41,400
Speaker 4: but I'm doing so that's very me coded.

766
00:34:41,640 --> 00:34:43,839
Speaker 2: I feel like whenever people are like, what do you

767
00:34:43,840 --> 00:34:45,799
Speaker 2: treat yourself with, I'm like, please, don't get me wrong,

768
00:34:46,080 --> 00:34:48,200
Speaker 2: I really love a pedicure. At this point in my life,

769
00:34:48,200 --> 00:34:50,800
Speaker 2: I actually can't reach my toes. So I've been treating

770
00:34:50,800 --> 00:34:54,160
Speaker 2: myself to those more regularly. But I'm so like, oh,

771
00:34:54,200 --> 00:34:56,520
Speaker 2: I'll do my own nails at home, like you know,

772
00:34:56,719 --> 00:34:59,359
Speaker 2: if I want to get ten or do that at home. Like,

773
00:34:59,760 --> 00:35:02,000
Speaker 2: but but you want to talk to me about new

774
00:35:02,040 --> 00:35:04,600
Speaker 2: microphones headphones. Yeah, you want to talk to me about

775
00:35:04,640 --> 00:35:07,680
Speaker 2: anything that I can spend in my business. I'm like, oh,

776
00:35:07,800 --> 00:35:10,040
Speaker 2: have you seen those new mics that came out like

777
00:35:10,440 --> 00:35:13,239
Speaker 2: recently I purchased And you will understand this because you're

778
00:35:13,280 --> 00:35:17,160
Speaker 2: an audio girly as well. The Dji Lapel mics. They're

779
00:35:17,200 --> 00:35:19,680
Speaker 2: in the little magnetic box and they charge and I

780
00:35:19,719 --> 00:35:22,479
Speaker 2: was just like, this is so perfect for content, very

781
00:35:22,560 --> 00:35:26,440
Speaker 2: hot talk dirty to me, and then everyone else is like, yeah, cool.

782
00:35:26,480 --> 00:35:28,480
Speaker 2: So I'm gonna take my friends out for breakfast and

783
00:35:28,480 --> 00:35:30,560
Speaker 2: I'll be like, you have fun. I've got a microphone

784
00:35:30,560 --> 00:35:32,719
Speaker 2: to play with at home. You can come eat twelve

785
00:35:32,719 --> 00:35:35,160
Speaker 2: eggs with me for breakfast. That's fine, Yeah, exactly, I'll

786
00:35:35,160 --> 00:35:38,360
Speaker 2: bring my mics. It can be an ASMR very exciting

787
00:35:38,400 --> 00:35:42,719
Speaker 2: piece of content, very very exciting. All right, Hannah. Unfortunately

788
00:35:42,760 --> 00:35:45,600
Speaker 2: we are running to the end of this episode, but

789
00:35:45,680 --> 00:35:47,640
Speaker 2: I want to know at the very start you said, look,

790
00:35:47,680 --> 00:35:49,439
Speaker 2: I'm a B minus and I feel like you put

791
00:35:49,440 --> 00:35:51,879
Speaker 2: a lot of time and energy and effort into coming

792
00:35:51,960 --> 00:35:54,520
Speaker 2: up with that B minus. But what would it take

793
00:35:54,719 --> 00:35:57,440
Speaker 2: to get you from that B minus to you saying V,

794
00:35:57,560 --> 00:35:58,560
Speaker 2: I think I'm an A plus.

795
00:35:58,920 --> 00:36:01,040
Speaker 4: It's a sticky thing, right, It shouldn't be with like

796
00:36:01,080 --> 00:36:03,960
Speaker 4: the more money that we're bringing in has anything to

797
00:36:04,000 --> 00:36:06,840
Speaker 4: do with our money habit or our grade that we

798
00:36:06,880 --> 00:36:09,000
Speaker 4: give ourselves. But for where I'm at with my business,

799
00:36:09,040 --> 00:36:11,239
Speaker 4: I've invested a lot into my business and I've got

800
00:36:11,320 --> 00:36:13,520
Speaker 4: some really big goals, and I think the next step

801
00:36:13,520 --> 00:36:15,120
Speaker 4: for me to get to that A plus is show

802
00:36:15,200 --> 00:36:19,120
Speaker 4: that I can uphold my good money habits with more money,

803
00:36:19,320 --> 00:36:21,960
Speaker 4: So like, yeah, welcoming in the bigger money months and

804
00:36:22,000 --> 00:36:24,120
Speaker 4: then actually sticking to my guns and doing what I

805
00:36:24,160 --> 00:36:26,479
Speaker 4: know to be the good decisions I feel with my money.

806
00:36:26,480 --> 00:36:28,000
Speaker 4: And I think a big thing I want to touch

807
00:36:28,000 --> 00:36:29,960
Speaker 4: on was a big money goal as well for me

808
00:36:30,080 --> 00:36:32,839
Speaker 4: is to be neutral, like neutrality with money, because that's

809
00:36:32,880 --> 00:36:35,800
Speaker 4: something I've never been. It's always been like ups and downs,

810
00:36:35,840 --> 00:36:38,760
Speaker 4: like super just energetically as well, just like oh my god, money,

811
00:36:38,760 --> 00:36:40,560
Speaker 4: Oh my god, money. You know. I just want to

812
00:36:40,600 --> 00:36:44,880
Speaker 4: be like, yeah, of course, money, money, whatever, you know.

813
00:36:45,480 --> 00:36:47,719
Speaker 2: I love that I feel like neutrality is something that

814
00:36:47,760 --> 00:36:51,080
Speaker 2: we don't talk about very often, but we should talk

815
00:36:51,120 --> 00:36:53,040
Speaker 2: about more. Maybe I'm going to steal that and make

816
00:36:53,080 --> 00:36:54,880
Speaker 2: a whole episode out of it and call it.

817
00:36:55,000 --> 00:36:55,480
Speaker 4: I love it.

818
00:36:55,520 --> 00:36:58,280
Speaker 2: I'll credit you, don't worry. I'll be like neutrality inspired

819
00:36:58,280 --> 00:37:01,520
Speaker 2: by Anna San's. But I think that that's a topic

820
00:37:01,560 --> 00:37:03,719
Speaker 2: that we don't talk about enough because money is so

821
00:37:03,840 --> 00:37:07,200
Speaker 2: inherently emotional, and it's so tied to our self worth,

822
00:37:07,360 --> 00:37:10,080
Speaker 2: and it's so tied to how we think and feel

823
00:37:10,080 --> 00:37:13,520
Speaker 2: about how our life is going, when in reality, like

824
00:37:13,800 --> 00:37:16,120
Speaker 2: people aren't defined by money, So why do we do this?

825
00:37:16,800 --> 00:37:17,040
Speaker 5: No?

826
00:37:17,600 --> 00:37:19,480
Speaker 4: I totally agree, and I think a plus for me

827
00:37:19,560 --> 00:37:21,680
Speaker 4: would be like and I'm getting there. Like I even

828
00:37:21,719 --> 00:37:24,279
Speaker 4: shared on my TikTok the other day, like something small,

829
00:37:24,320 --> 00:37:25,920
Speaker 4: but I went and bought my partner a Weber. He's

830
00:37:25,920 --> 00:37:26,879
Speaker 4: like a barbecue guy.

831
00:37:27,040 --> 00:37:30,600
Speaker 2: I saw that and I was like, oh, slay queen.

832
00:37:31,080 --> 00:37:33,319
Speaker 4: Yeah, he loves to barbecue. We've been morning a web

833
00:37:33,360 --> 00:37:34,719
Speaker 4: for ages, but it's been one of those things, you know,

834
00:37:34,800 --> 00:37:36,360
Speaker 4: it's like we wanted a baby web. So it's like

835
00:37:36,360 --> 00:37:38,400
Speaker 4: six hundred and seven hundred dollars. I'm like, you know,

836
00:37:38,800 --> 00:37:41,040
Speaker 4: we can afford this, this is fine, and I spent

837
00:37:41,160 --> 00:37:43,239
Speaker 4: it and I like remember tapping my card and just

838
00:37:43,280 --> 00:37:46,360
Speaker 4: feeling nothing and remember being like, oh, I need to

839
00:37:46,400 --> 00:37:48,880
Speaker 4: celebrate this, like I'm not clenching, I'm not tense, like

840
00:37:48,920 --> 00:37:50,400
Speaker 4: I feel free about this.

841
00:37:50,719 --> 00:37:51,680
Speaker 2: No, but that's good.

842
00:37:51,920 --> 00:37:53,719
Speaker 4: Yes, I was like, this is where I want to

843
00:37:53,719 --> 00:37:56,680
Speaker 4: be going. So when I'm there more often, I think

844
00:37:56,719 --> 00:37:58,359
Speaker 4: that's the A plus for me. A door.

845
00:37:58,480 --> 00:38:01,200
Speaker 2: Oh my gosh, what a perfect place slive it, Hannah.

846
00:38:01,280 --> 00:38:04,520
Speaker 2: I have adored this chat. I am so looking forward

847
00:38:04,520 --> 00:38:07,680
Speaker 2: to continuing to follow your journey, but also having shared

848
00:38:07,680 --> 00:38:10,080
Speaker 2: you with our community. Hopefully they'll go, oh my gosh,

849
00:38:10,160 --> 00:38:13,400
Speaker 2: can't wait to tee into what Hannah's up to. But

850
00:38:13,520 --> 00:38:15,640
Speaker 2: also I'm so excited for the journey that you're on

851
00:38:15,800 --> 00:38:20,319
Speaker 2: and also bringing some more public money stories to I

852
00:38:20,320 --> 00:38:23,600
Speaker 2: guess like to be able to share more publicly because obviously,

853
00:38:23,920 --> 00:38:26,400
Speaker 2: you guys know I adore our money stories, and I

854
00:38:26,480 --> 00:38:30,239
Speaker 2: think that they need to stay anonymous because they are relatable,

855
00:38:30,320 --> 00:38:33,480
Speaker 2: they are you, they are celebrating our community. But I

856
00:38:33,560 --> 00:38:36,040
Speaker 2: also want people who are in the public eye to

857
00:38:36,080 --> 00:38:38,400
Speaker 2: be stepping up and going, no, this is my money story,

858
00:38:38,440 --> 00:38:41,160
Speaker 2: this is what's going on, because so many times we

859
00:38:41,239 --> 00:38:43,960
Speaker 2: put people who are in the public eye on pedestals

860
00:38:43,960 --> 00:38:46,360
Speaker 2: and gooble. They must have grown up rich like Hannah,

861
00:38:46,600 --> 00:38:49,040
Speaker 2: could not have been in this position to earn one

862
00:38:49,160 --> 00:38:52,400
Speaker 2: sixty and like be about us mum without having some

863
00:38:52,560 --> 00:38:55,680
Speaker 2: level of privilege and just getting to know people just

864
00:38:55,960 --> 00:38:58,360
Speaker 2: it helps so much when it comes to understanding money.

865
00:38:58,360 --> 00:39:00,200
Speaker 2: So thank you for being the first I adore.

866
00:39:00,239 --> 00:39:01,760
Speaker 4: It's truly an honor.

867
00:39:02,080 --> 00:39:04,600
Speaker 2: Thank you so much, Hannah. It has been an absolute

868
00:39:04,640 --> 00:39:05,920
Speaker 2: pleasure as expected.

869
00:39:06,200 --> 00:39:07,920
Speaker 4: I loved it. Thank you so much for having me.

870
00:39:14,200 --> 00:39:16,720
Speaker 5: The advice shared on She's on the Money is general

871
00:39:16,800 --> 00:39:20,680
Speaker 5: in nature and does not consider your individual circumstances. She's

872
00:39:20,719 --> 00:39:24,160
Speaker 5: on the Money exists purely for educational purposes and should

873
00:39:24,200 --> 00:39:27,360
Speaker 5: not be relied upon to make an investment or financial decision.

874
00:39:27,760 --> 00:39:30,200
Speaker 5: If you do choose to buy a financial product, read

875
00:39:30,239 --> 00:39:33,879
Speaker 5: the PDS TMD and obtain appropriate financial advice.

876
00:39:33,600 --> 00:39:34,960
Speaker 2: Tailored towards your needs.

877
00:39:35,280 --> 00:39:39,240
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

878
00:39:39,280 --> 00:39:43,160
Speaker 5: of Money. Sheper pty LTD ABN three two one IS

879
00:39:43,200 --> 00:39:47,080
Speaker 5: six four nine two seven seven zero eight AFSL four

880
00:39:47,160 --> 00:40:01,000
Speaker 5: five one two eight nine