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

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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 4: Hello and welcome to She's on the Money podcast that

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Speaker 4: makes personal finance fun, especially on Fridays. It is our

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Speaker 4: favorite day of the week because we got a new

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Speaker 4: studio and that's really exciting, but also because we get

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Speaker 4: our team together in a more relaxed couch environment now,

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Speaker 4: which is very exciting to celebrate you how incredible She's

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Speaker 4: on the Money community. Miss Jess Ricci is here on

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Speaker 4: her couch and she's going to be sharing her best

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Speaker 4: money wins from the community. Miss Becksayed is also here

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Speaker 4: and she has a number of broke tips for us,

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Speaker 4: and this week we're going to be helping to answer

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Speaker 4: a juicy money dilemma. It's not that juicy, but it's

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Speaker 4: going to be really interesting this week. It's all about

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Speaker 4: what it means when you get an activity statement from

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Speaker 4: the ato juicy juicy. I was like, okay, so maybe

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Speaker 4: I'm just excited to explain this one, and other people

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Speaker 4: will just be like, yeah, what do I do when

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Speaker 4: I get an activity statement? And something that is lead

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Speaker 4: into our dms about potentially more juicy, whether you should

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Speaker 4: stay in a job where the culture is of overworking

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Speaker 4: and whether that's the norm or not.

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Speaker 2: I don't like it already. Yeah, I don't like it already.

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Speaker 4: Like and we're not even slackers that she's on the money,

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Speaker 4: but like overworking canceled.

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Speaker 5: Absolutely, there's definitely somewhere between overworking and being slack.

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Speaker 2: Yeah, there's a whole lot of middle ground. There's a

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Speaker 2: whole lot of middle week cover a lot.

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Speaker 4: But before we get there, guys, how were your weeks?

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Speaker 2: Yes, you go first, Mimmy's been good. I'm so excited

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Speaker 2: to be here in our new.

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Speaker 4: Studio, So I feel like we have leveled up. Yeah,

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Speaker 4: it is so so fun. We have a new home

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Speaker 4: and on socials you see it'll look beautiful.

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Speaker 2: Oh my gosh.

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Speaker 4: Our videos are going to go to the next level,

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Speaker 4: like that's my week here, basically because we just thought

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Speaker 4: you guys deserve better content.

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Speaker 2: The couches are company, the cookes crispy. We are so ready, Beck,

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Speaker 2: how's your week being really good? I'm also really happy

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Speaker 2: about this new studio. I know that people won't be

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Speaker 2: able to see, but you'll hear it in our voice.

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Speaker 2: You can just hear how excited we are. Yeah.

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Speaker 5: Yeah, but it's been a gorgeous week, just full of love,

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Speaker 5: light and laughter.

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Speaker 2: I love that. Yes, I'm doing a little bit of

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Speaker 2: live laugh, lovy.

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Speaker 4: I am getting prepared for Harvey's first birthday, which is

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Speaker 4: so exciting. I have finished, thankfully, my golf cart and

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Speaker 4: there are photos online. I will definitely be sharing that,

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Speaker 4: don't you worry, because it's like my pride and joy.

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Speaker 2: It great.

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Speaker 4: I completely hyper fixated on it and was like googling

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Speaker 4: every single person who's ever done a diy reno on

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Speaker 4: one of these things, watching their tips and tricks and

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Speaker 4: how they Anyway, I'm very excited about that, and I

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Speaker 4: can at the end of the day. Yes, I did

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Speaker 4: spend more on paint than I did on the actual

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Speaker 4: cozy coop. That's a bit like it's the thought that counts. Also,

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Speaker 4: why spray paint so expensive?

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Speaker 2: It is actually really expended.

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Speaker 4: Yeah, I did end up doing a little bit of

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Speaker 4: a budget hack there. I bought the expensive primer and

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Speaker 4: the expensive top coat, and then I.

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Speaker 2: Got cheap color. Yes much.

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Speaker 4: I feel like that was a good middle ground because

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Speaker 4: I didn't realize spray paint twenty bucks A can eat

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Speaker 4: twenty bucks a can the two dollar shop.

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Speaker 2: Oh can the hairspray? I know, a colored hairspray. I

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Speaker 2: didn't use colored hairspray.

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Speaker 4: It was genuine paint that I'm aware of, But I

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Speaker 4: mean it could technically become colored hairspray. Yeah, that's true.

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Speaker 4: Let's move on from that though. Would you guys like

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Speaker 4: to hear a five star review that we received this week?

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Speaker 1: Yes?

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Speaker 2: Please, absolutely, We've been so lucky.

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Speaker 4: There have been a few of them pop up recently,

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Speaker 4: and I'm not gonna lie every time I read them.

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Speaker 4: My heart is just so happy. This one is from

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Speaker 4: SLP and they say I can't say enough how grateful

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Speaker 4: I am to have come across this podcast As someone

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Speaker 4: who grew up with a mum who lived paycheck to

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Speaker 4: paycheck and wasn't financially smart. I always believed that would

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Speaker 4: be my narrative too, and I couldn't thrive financially. This

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Speaker 4: podcast has got me excited about my family's finances and

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Speaker 4: made me believe that I can thrive financially and change

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Speaker 4: the narrative for my own kids. I always thought investing

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Speaker 4: was a rich man's game, but Victoria has given me

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Speaker 4: the confidence through this podcast to dive right in.

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Speaker 2: It's been life change. That's cool in the entire world.

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Speaker 2: That's amazing. I was trying to think of, like what

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Speaker 2: FLP would stand for she loves podcasts. That You're like,

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Speaker 2: she loves podcasts. I'm like, yes, so that's Sarah Lee Parkinson.

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Speaker 5: That so much Sarah Jessica Parker, the Sarah park I

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Speaker 5: know Jay is not the same, but in my brain

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Speaker 5: they look exactly the same.

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Speaker 2: It's like the automatic kids. Parker was writing in.

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Speaker 4: Yeah, well, I feel like I'm really excited about this

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Speaker 4: and I feel like our five star reviews they just

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Speaker 4: like set the tone of the week.

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Speaker 2: Oh, it's such a good finisher.

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Speaker 4: But my other favorite thing is our money Wins and

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Speaker 4: Confessions thread in our Facebook group, and every single week,

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Speaker 4: Miss just Greci gives us a rap of some of

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Speaker 4: either her favorites or the most popular ones. Suggess, what

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Speaker 4: have you round up for us this week?

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Speaker 2: All right? This week we're starting with a solid but

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Speaker 2: simple one from Katie. She said she sold her old

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Speaker 2: fridge on Facebook Marketplace when they thought no one was

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Speaker 2: going to buy it. Oh duh, that's a good money

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Speaker 2: win just listening. Never not, because then you don't have

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Speaker 2: to take it anywhere yourself, is what I I was

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Speaker 2: talking to my dad about Facebook Marketplace the other day

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Speaker 2: because he had a whole heap of old tools that

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Speaker 2: he's like, honestly, I want to give them away.

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Speaker 4: Yeah, but I don't want to give them away because

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Speaker 4: people on Facebook Marketplace as savages. So he listed them

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Speaker 4: for like twenty dollars and then just gave them away

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Speaker 4: when the people arrived.

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Speaker 2: And I just can't be bothered, like, don't worry. But like,

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Speaker 2: also it was because I didn't want people who just

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Speaker 2: wanted free stuff.

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Speaker 3: Yeah.

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Speaker 2: Yeah, I think that's a great idea little strategy, very clever.

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Speaker 2: Someone's day Yeah. Next, I've got a money win from Lynn,

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Speaker 2: who said she set up an automatic savings debit about

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Speaker 2: a year ago. She checked it today and she's got

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Speaker 2: just over fifteen grand. Sorry what, Linda? She was in shock.

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Speaker 2: She was in shock because she didn't miss it. I

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Speaker 2: think so. I think she must have just so good

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Speaker 2: set and forget she wouldn't notice debiting away. And then

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Speaker 2: she had a little squiz and was like, oh my goodness,

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Speaker 2: I am yeah, well done. I'm so happy when people

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Speaker 2: find things that just work for them. Yeah. Next, I've

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Speaker 2: got money in from Nadine, who said I made five

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Speaker 2: dollars thirty seven on shot back by playing the games

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Speaker 2: after listening to Friday's episode. Thanks back. Oh my god. Yeah,

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Speaker 2: I'm so proud of you. Now I've got one from Devani,

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Speaker 2: who said money in. I've switched two fortnightly repayments from

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Speaker 2: monthly repayments to save myself interests along the way smart.

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Speaker 2: And then Desley got in the comments and said, go

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Speaker 2: to weekly it'll be even better. She will be go

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Speaker 2: to daily. Alli, imagine how often can you do that?

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Speaker 2: I wonder if there's a limit, So I'm like, how

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Speaker 2: frequently you can make those transfers. Yeah. I also like,

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Speaker 2: where does your mental health come into play?

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Speaker 1: Right?

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Speaker 2: Yeah, how do you live your life? The limit does

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Speaker 2: not exist, just as like anything for free points like colutely. Next,

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Speaker 2: I've got money in from India who said I sent

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Speaker 2: my first invoice for my small side business and also

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Speaker 2: asked for our higher fee for the next booking with

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Speaker 2: the same client after I realized how much prep and

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Speaker 2: post time went into the first job.

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Speaker 1: Yeah.

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Speaker 2: Good, yes, queen, I love that, and.

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Speaker 4: It's good to like reflect and be like, okay, we

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Speaker 4: need to change this. Like in business, you are always changing,

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Speaker 4: you are never staying stagnant all the same.

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Speaker 2: Especially in the early days, where like she said, she's

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Speaker 2: figuring out how much time and effort goes into things,

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Speaker 2: even just like invoicing, like how long's that taking you?

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Speaker 2: That needs to be taken into consideration one hundred percent.

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Speaker 2: And then lastly, I've got a money win from Tay

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Speaker 2: this week who said, we've been collecting the ten cent

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Speaker 2: cans and models. I've asked my mom to save hers.

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Speaker 2: My fiance brings them home from his employees, and we

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Speaker 2: have been accumulating them so quickly and putting all the

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Speaker 2: money aside for our daughter. That is actually so good.

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Speaker 4: My niece and nephew collect them as well, and now

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Speaker 4: they have a separate bin. So they've got like recycling,

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Speaker 4: they've got their rubbish and like their green waist, but

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Speaker 4: then they have a separate bin and it's just for

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Speaker 4: cans and things.

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Speaker 2: It's so smart.

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Speaker 4: Yeah, even if it's just like an old box in

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Speaker 4: the laundry or something that way, you don't have to

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Speaker 4: sort them.

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Speaker 2: I feel like it's a great way to be teaching

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Speaker 2: kids about money. I feel a really good way to it.

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Speaker 4: Like I feel like we need to create and like

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Speaker 4: I'm putting the pressure on myself here by publicly sharing this,

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Speaker 4: but I have been thinking for ages about creating like

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Speaker 4: a savings plan for kids. So you know on our

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Speaker 4: website how we have the gold Tracker, Yes, like that,

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Speaker 4: but it's like smaller amounts that kids can do that

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Speaker 4: you can achieve with like collecting bottles.

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Speaker 2: And cans doing money, Yeah, exactly.

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Speaker 4: And I feel like kids just need to learn about

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Speaker 4: money earlier, and it's not about how much they get,

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Speaker 4: it's about what they're doing with it and how they

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Speaker 4: feel about it.

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Speaker 2: It's like a little bit of work ethic in their

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Speaker 2: tree with the cans because they've got to save them

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Speaker 2: up and then yell with them and being like, I

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Speaker 2: think that's quite clever.

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Speaker 4: And then it teaches them how to budget, like you know,

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Speaker 4: what are you saving for? Like let's talk to them

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Speaker 4: about goal setting, and like what's the difference between short

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Speaker 4: term and long term goals? Like you know, if you

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Speaker 4: wait a little longer, you'll get something a little bit better.

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Speaker 4: I think that's a good lesson to learn, especially early on.

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Speaker 4: Definitely leave it with me. I've got plans. Now over

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Speaker 4: to you, miss beccis is your turn to share your

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Speaker 4: three broke tips to bring me to the table, So

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Speaker 4: as always have two from the community, one for myself.

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Speaker 4: This first one comes from Vanessa, who I feel like

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Speaker 4: we've mentioned something similar to this before, but I just

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Speaker 4: thought i'd give it a go anyway. But she said

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Speaker 4: that if you are looking for bits and pieces for

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Speaker 4: your car, and I'm a big fan of these, a

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Speaker 4: car pick apart were you go into the junk yard

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Speaker 4: yourself and you find what you need, you grab it.

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Speaker 4: I've gotten like little fuses and stuff out of like

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Speaker 4: a fuse boxer. It probably doesn't make a lot of

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Speaker 4: sense to maybe just speaking foreign language.

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Speaker 2: Even like mirrors off cars excited me to take me

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Speaker 2: there because I have a broken part on my What

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Speaker 2: do you have? Well let me tell you? Oh god please,

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Speaker 2: I still own my first car that I bought, yes,

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Speaker 2: because I can't part with it, like and just to

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Speaker 2: like reverse a little bit.

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Speaker 4: I'm very grateful that I can still afford to keep it.

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Speaker 4: But if I sold it, I maybe would get maximum

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Speaker 4: fifteen hundred dollars, Like.

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Speaker 2: It's still the money, still a lot of money, but

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Speaker 2: like it's not like I'm I've got like a thirty

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Speaker 2: thousand dollars car sitting in the driveway. Don't want people

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Speaker 2: thinking that.

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Speaker 4: But there's also like this deep emotional attachment that I have,

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Speaker 4: even my little Mercedes. So it's a Mercedes, she's really old. Yeah,

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Speaker 4: clearly cheap, but there's so many things on it that

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Speaker 4: are broken. But how do you know that that's going

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Speaker 4: to work for all cars? Like do you have to

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Speaker 4: get the same model? Well, that's the thing, VD is

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Speaker 4: that all you have to do is Google. Like if

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Speaker 4: you have like a my one's quite generic. I just

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Speaker 4: have a toilet, so like a lot of things can

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Speaker 4: fit on it. But if you even just take photos.

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Speaker 4: You can google your making model a year and what

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Speaker 4: kind of mirror you need if you go through these

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Speaker 4: like junk yards with you know, the scrap parts and stuff,

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Speaker 4: so you try and find a model of car that

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Speaker 4: you'd be surprised to see, Like there were so many

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Speaker 4: in there that like, it doesn't have to be the

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Speaker 4: same year necessarily.

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Speaker 2: So many of my car in a junk yard. Now, yeah,

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Speaker 2: and it doesn't have to be the same year.

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Speaker 5: A lot of a lot of the time, like a

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Speaker 5: lot of the you know, like even tires and stuff,

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Speaker 5: they have like different measurements and if you just look

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Speaker 5: for roughly the same car and take photos of your car,

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Speaker 5: you can google it as well.

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Speaker 2: You are so resourceful.

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Speaker 5: I'm always Yes, it also called so in Melbourne it's

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Speaker 5: called pick up Heart.

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Speaker 2: I was thinking pick apart, yes, and mix like.

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Speaker 5: The yeah and oh my god, for like people like me,

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Speaker 5: it is like a lollly shop and it's like, oh,

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Speaker 5: I'm so excited. But even like the thing is, even

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Speaker 5: if you bring home a tire that doesn't fit, you're like, well,

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Speaker 5: now I know exactly what I'm looking for when I

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Speaker 5: go back.

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Speaker 2: It is this measurement by this measurement. It's very cheap.

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Speaker 5: I got fuses, I got mirrors, even got like little

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Speaker 5: like those. I can't remember the name of the terminology,

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Speaker 5: but the little lock thing if you open up your car,

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Speaker 5: you look in.

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Speaker 2: The side on the little lockstick. I can't remember what

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Speaker 2: they called. But I like that you're looking at us

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Speaker 2: so as though we might you guys know what I'm doing.

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Speaker 5: But I got mostly all of it for free. I

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Speaker 5: feel like it's quite small. They're just like, oh, just

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Speaker 5: take it, like fuse mirrors, and instead of going in

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Speaker 5: to a mechanic, who will it is a lot of labor.

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Speaker 5: I mean, it can be a lot of labor, so

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Speaker 5: I understand. But yeah, just do that and google how

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Speaker 5: to fix it yourself. So I think it's a great

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Speaker 5: broke tip. The other one comes from a friend who

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Speaker 5: went on a date recently and the date took her

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Speaker 5: to this little like pizza shop like a hole in

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Speaker 5: the wall, and there was a deal that was like

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Speaker 5: two large pieces and a drink and something like that

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Speaker 5: for X amount of money, and the date and her

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Speaker 5: went and sat and ate these pizzas. The date only

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Speaker 5: ate her pizza and then took a whole pizza home

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Speaker 5: with the drink. And so my broke tip for this

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Speaker 5: week is to.

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Speaker 2: What try finish the broad tip? And I'm so sorry.

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Speaker 5: My break tip this week of my friend's broad tip,

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Speaker 5: I should say, is first of all, pretend you're not hungry,

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Speaker 5: and second of all, only eat the date other dates food.

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Speaker 5: Third of all, try and find a place that will

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Speaker 5: do a deal. That way, you get to go home

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Speaker 5: with a whole lass meal and a whole family size drink.

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Speaker 2: Absolutely definitely not a second date a date. There's no

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Speaker 2: second date, right that we never know, like this friend,

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Speaker 2: how did they feel?

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Speaker 5: Well, it's honestly, I think the majority majority, being just me,

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Speaker 5: was kind of impressed.

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Speaker 2: I respect that. I kind of respect it. Would I

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Speaker 2: be going on another day with you? Probably not?

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Speaker 5: That is just you get level a good story to tell,

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Speaker 5: and so I feel like experience chi ching and free

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Speaker 5: pizza chi ching.

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Speaker 2: Okay, all right, all right, that's a really beautiful broke tip.

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Speaker 2: Thank you. Yeah, that's stunning.

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Speaker 4: And mine, oh yep, and your Yes, I'm hoping yours

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Speaker 4: is better.

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Speaker 2: Yeah, well, I don't think it is.

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Speaker 5: And in fact, maybe it's worse than everything you've ever

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Speaker 5: heard before. But I don't know, if this is bad

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Speaker 5: or not, but I when I drive right now, I've

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Speaker 5: been like kind of broke. I well, what am I

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Speaker 5: talking about right now? Don't feel like I'm always kind

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Speaker 5: of broke, but I have noticed, and I don't know.

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Speaker 2: If it's okay, Paul.

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Speaker 5: I don't know if this is like bad for my

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Speaker 5: car or not, but I've noticed that when this is

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Speaker 5: only for manual drivers, when I'm driving, it doesn't matter

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Speaker 5: what speed I'm doing if I can safely be in

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Speaker 5: fifth gear without my car stalling. I'm talking like over

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Speaker 5: fifty meters an hour, and people tend to be on

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Speaker 5: the freeway before they put their car in fifth gear.

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Speaker 5: I know this also doesn't really make a lot of sense.

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00:15:49,240 --> 00:15:54,240
Speaker 2: You guys don't really know right now strictly an auto girl, that's.

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Speaker 5: So fair for my manual drivers being fifth gear, unless

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Speaker 5: it's like you're about to stall in fifth gear because

339
00:16:00,880 --> 00:16:03,760
Speaker 5: your engine is not working as hard, and you will say, Pederal,

340
00:16:03,920 --> 00:16:07,320
Speaker 5: it's my broke tip. Your broke tip is staying fifth gear.

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Speaker 5: If you can't thing to add to that, because I.

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Speaker 2: Don't even know what my caear does. No, I feel

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00:16:11,760 --> 00:16:15,760
Speaker 2: like it's bad my car. It's so embarrassing. Absolutely aimately,

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00:16:15,840 --> 00:16:18,400
Speaker 2: no idea. I'm embarrassed because they brought some things that

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00:16:18,640 --> 00:16:19,040
Speaker 2: I feel.

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Speaker 4: Yes, because my sister got to learn in a manual

347
00:16:22,200 --> 00:16:25,080
Speaker 4: so she can drive a manual and I immediately like,

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00:16:25,200 --> 00:16:28,080
Speaker 4: there are rules in life that are just like they're rules,

349
00:16:28,440 --> 00:16:30,320
Speaker 4: Like no one said that it was a real rule,

350
00:16:30,320 --> 00:16:33,600
Speaker 4: but it exists, right, Like how the number twenty five

351
00:16:33,920 --> 00:16:36,400
Speaker 4: that's a pointing number. Yes it is, Yeah, I would

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00:16:36,400 --> 00:16:42,800
Speaker 4: agree with you, and twenty six round exactly.

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00:16:41,560 --> 00:16:44,120
Speaker 2: Like I don't make the rules to a rule.

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Speaker 4: Another rule people who drive manual immediately cooler.

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00:16:48,960 --> 00:16:51,560
Speaker 2: No manualism. Manual car is a big part of my

356
00:16:51,640 --> 00:16:55,800
Speaker 2: personal law. I don't know what is it true? Oh,

357
00:16:55,840 --> 00:16:59,560
Speaker 2: we're gonna suggest the law. So my parents insisted that

358
00:16:59,600 --> 00:17:01,640
Speaker 2: I learned to drive in a manual car because my

359
00:17:01,720 --> 00:17:04,359
Speaker 2: mom said, like, what if there's an emergency in the

360
00:17:04,400 --> 00:17:06,520
Speaker 2: only car available, asm manual car, what are you going

361
00:17:06,560 --> 00:17:07,080
Speaker 2: to do? Die?

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00:17:07,440 --> 00:17:09,320
Speaker 4: Well, my dad used to say, like, what are you

363
00:17:09,320 --> 00:17:11,240
Speaker 4: going to do if you don't learn your times tables?

364
00:17:11,280 --> 00:17:13,800
Speaker 4: You're not always going to have a calculator in your pocket.

365
00:17:14,119 --> 00:17:17,600
Speaker 2: I sit down, Eric. So I started to learn to

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Speaker 2: drive a manual car. I hated it. I didn't like it.

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00:17:19,600 --> 00:17:21,520
Speaker 2: I was not very good at it. And then one

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00:17:21,600 --> 00:17:23,520
Speaker 2: day we were driving. We took a long road trip

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Speaker 2: and we drove over train tracks and I stalled and

370
00:17:26,480 --> 00:17:29,399
Speaker 2: the boom gates started coming down, and I started to

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00:17:29,400 --> 00:17:32,600
Speaker 2: have a panic attack, because I'm a normal person would

372
00:17:32,720 --> 00:17:35,240
Speaker 2: and at the time my anxiety was also undiagnosed, so

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Speaker 2: like I's like it was like curtains for me. I

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Speaker 2: was like, this is it I die by train in

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Speaker 2: this moment. Anyway, obviously we were fine. Mum got the

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00:17:43,600 --> 00:17:45,960
Speaker 2: car going, we got off the tracks, it was all good.

377
00:17:46,200 --> 00:17:48,600
Speaker 2: But I literally pulled over to the side of the road.

378
00:17:48,640 --> 00:17:49,760
Speaker 2: I got out of the car and I looked at

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Speaker 2: dead in the eye and I said, over my dead body,

380
00:17:52,040 --> 00:17:54,399
Speaker 2: we'll like ever drive a manual car ever again. Wow,

381
00:17:54,680 --> 00:17:58,440
Speaker 2: I haven't touched one since. Wow. Is jess law is?

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Speaker 6: Yea?

383
00:17:58,880 --> 00:18:01,359
Speaker 2: And that actually kind of gave me fifth year. Don't

384
00:18:01,359 --> 00:18:09,120
Speaker 2: know her, like I don't know, I don't Wow. I'm

385
00:18:09,119 --> 00:18:12,359
Speaker 2: so sorry. An emergency, we're running there, Yeah, get on

386
00:18:12,440 --> 00:18:14,600
Speaker 2: my back. I'll piggyback you to the hospital, like whatever,

387
00:18:15,200 --> 00:18:20,160
Speaker 2: run away from the running to death in an emergency.

388
00:18:20,320 --> 00:18:23,240
Speaker 2: I will admit my face the thought of driving on

389
00:18:23,280 --> 00:18:26,399
Speaker 2: your car just triggers my anxiety. Something shocking. Now I understand,

390
00:18:26,840 --> 00:18:27,480
Speaker 2: I understand.

391
00:18:27,520 --> 00:18:29,439
Speaker 5: I thought you're also going to say that like manual drivers,

392
00:18:29,560 --> 00:18:32,600
Speaker 5: it's like the whole identity like people people drink espresso's just.

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00:18:32,720 --> 00:18:36,800
Speaker 2: Look everybody else, manual drivers are cooler, like they're just cooler,

394
00:18:36,880 --> 00:18:39,919
Speaker 2: like they they've just got their lives together. I can't

395
00:18:40,000 --> 00:18:42,440
Speaker 2: do that. I am not one of you. I could

396
00:18:42,440 --> 00:18:44,800
Speaker 2: see Alex now that you say.

397
00:18:45,080 --> 00:18:49,800
Speaker 4: Exactly, Sister, Alex is just much cooler than I ever

398
00:18:49,840 --> 00:18:52,840
Speaker 4: will be. And it's been the way, like that's been

399
00:18:53,080 --> 00:18:58,960
Speaker 4: the way of the world forever. Jimmy, you will literally say, oh,

400
00:18:59,040 --> 00:19:02,159
Speaker 4: I see what you were talking both of us. I

401
00:19:02,200 --> 00:19:04,480
Speaker 4: remember saying to Jess before she met my sister. I

402
00:19:04,480 --> 00:19:06,240
Speaker 4: was like, my sister is much cooler than I'll ever be.

403
00:19:06,320 --> 00:19:07,880
Speaker 4: And she's like yeah, sure, sure sure, And then after

404
00:19:07,880 --> 00:19:08,719
Speaker 4: she's like, yeah, you're right.

405
00:19:09,359 --> 00:19:10,840
Speaker 5: You know, when you don't want someone to meet someone

406
00:19:10,840 --> 00:19:12,800
Speaker 5: because you're like they're you're going to think they're funnier than.

407
00:19:13,160 --> 00:19:16,360
Speaker 2: Cool, Like I like having a cool sister. That's good.

408
00:19:16,480 --> 00:19:20,120
Speaker 2: It's way better than going, oh my sister's weird. Yeah,

409
00:19:20,200 --> 00:19:22,520
Speaker 2: that's true.

410
00:19:22,960 --> 00:19:25,000
Speaker 4: It's like when you're watching maths, like, I would be

411
00:19:25,080 --> 00:19:30,280
Speaker 4: mortified if my suit maybe she does introduces me as

412
00:19:30,400 --> 00:19:34,440
Speaker 4: like oh yeah, my sister's controversial, or my sister's.

413
00:19:35,000 --> 00:19:37,960
Speaker 5: It's got melancholic music playing in the captions.

414
00:19:38,160 --> 00:19:40,000
Speaker 2: Yeah, Like I don't want people to say, oh, I'm

415
00:19:40,040 --> 00:19:40,800
Speaker 2: so sorry.

416
00:19:41,080 --> 00:19:44,960
Speaker 5: Yeah, I wonder what you would be on maps.

417
00:19:45,000 --> 00:19:46,919
Speaker 2: All right, let's go to a really quick rate because

418
00:19:46,960 --> 00:19:48,640
Speaker 2: on the flip side, we're going to be talking about

419
00:19:48,680 --> 00:19:52,520
Speaker 2: activity statements, very excited. What are you going to do

420
00:19:52,560 --> 00:19:54,800
Speaker 2: when you get one from the ato? Are you going

421
00:19:54,880 --> 00:19:57,040
Speaker 2: to call She's on the Money, That's what you're going

422
00:19:57,119 --> 00:19:57,400
Speaker 2: to call.

423
00:19:57,600 --> 00:19:59,680
Speaker 4: And we're also going to be talking about something you

424
00:19:59,720 --> 00:20:01,960
Speaker 4: slip into our DMS about this week, we're talking about

425
00:20:02,000 --> 00:20:04,440
Speaker 4: whether you should stay in a job with a culture

426
00:20:04,560 --> 00:20:07,840
Speaker 4: that overworking is the norm. So guys, don't go anywhere.

427
00:20:11,840 --> 00:20:14,439
Speaker 2: Welcome back, everybody. Let's take a listen to this week's

428
00:20:14,440 --> 00:20:16,720
Speaker 2: money dilemma.

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00:20:16,920 --> 00:20:19,280
Speaker 4: Hi, there, have you got a money dilemma you just

430
00:20:19,320 --> 00:20:21,840
Speaker 4: can't solve that. She's on the Money team is here

431
00:20:21,880 --> 00:20:25,120
Speaker 4: to help. Every week we tackle your dilemmas, both big

432
00:20:25,160 --> 00:20:27,879
Speaker 4: and small, to answer your most burning money, career and

433
00:20:27,960 --> 00:20:31,120
Speaker 4: life questions. To get involved simply head to our website

434
00:20:31,160 --> 00:20:33,280
Speaker 4: and leave us a short voice recording, and you might

435
00:20:33,359 --> 00:20:35,879
Speaker 4: just find yourself on the show. Now, let's take a

436
00:20:35,920 --> 00:20:37,680
Speaker 4: listen to this week's money dilemma.

437
00:20:40,480 --> 00:20:43,560
Speaker 6: Hi, she's on the money. I've just received an activity

438
00:20:43,600 --> 00:20:48,360
Speaker 6: statement through the ATO. I've never had this before. I'm

439
00:20:48,400 --> 00:20:52,159
Speaker 6: assuming it's because my bank interest was quite high on

440
00:20:52,200 --> 00:20:55,480
Speaker 6: my last tax return, which left me owing a fair

441
00:20:55,520 --> 00:20:58,800
Speaker 6: bit more tax than had been estimated throughout the year.

442
00:21:00,040 --> 00:21:02,520
Speaker 6: Because I've never had this before, I'm not really sure

443
00:21:02,600 --> 00:21:06,040
Speaker 6: what it is. I assume it's just to kind of

444
00:21:06,119 --> 00:21:09,399
Speaker 6: give the ATO tax throughout the year rather than having

445
00:21:09,400 --> 00:21:11,520
Speaker 6: a larger balance at the end of the year. But

446
00:21:11,560 --> 00:21:13,960
Speaker 6: all the information I can find about online is more

447
00:21:13,960 --> 00:21:16,600
Speaker 6: so directed at soul traders, which doesn't apply to me.

448
00:21:17,080 --> 00:21:19,439
Speaker 6: There wasn't really a lot of information shared, just an

449
00:21:19,480 --> 00:21:22,640
Speaker 6: activity statement saying I owed X amount of money by

450
00:21:22,720 --> 00:21:24,600
Speaker 6: the end of the month. I was just wondering if

451
00:21:24,640 --> 00:21:27,040
Speaker 6: you could sort of explain what this is and maybe

452
00:21:27,160 --> 00:21:29,640
Speaker 6: provide some information. Thanks.

453
00:21:30,000 --> 00:21:31,600
Speaker 2: I thought it was a business thing. I didn't know

454
00:21:31,640 --> 00:21:33,879
Speaker 2: it wasn't a business thing. So there you go. Highlighting

455
00:21:33,880 --> 00:21:37,760
Speaker 2: something today too, because I get activity statements and a

456
00:21:37,880 --> 00:21:43,320
Speaker 2: business activity statement are two different things, oh, which is exciting,

457
00:21:43,400 --> 00:21:46,879
Speaker 2: and they are used to kind of report and pay

458
00:21:47,080 --> 00:21:49,680
Speaker 2: like a number of different tax obligations, but then also

459
00:21:49,840 --> 00:21:54,360
Speaker 2: business obligations. And what would have happened is if you're

460
00:21:54,400 --> 00:21:57,680
Speaker 2: an individual, like if she's a business, like same kind

461
00:21:57,720 --> 00:22:01,320
Speaker 2: of applies, but usually a BA or a business activity

462
00:22:01,359 --> 00:22:03,520
Speaker 2: statement or a BAS or whatever you want to call it.

463
00:22:03,520 --> 00:22:06,880
Speaker 2: It's a statement that you get and some companies pay

464
00:22:06,920 --> 00:22:10,240
Speaker 2: them quarterly, some pay them monthly, like for example, she's

465
00:22:10,240 --> 00:22:12,800
Speaker 2: on the money pays their business activity statement, Like I

466
00:22:12,840 --> 00:22:15,840
Speaker 2: pay tax every single month, and that to me is

467
00:22:15,920 --> 00:22:19,359
Speaker 2: actually a relief because I'm like, okay, cool, what tax

468
00:22:19,400 --> 00:22:21,199
Speaker 2: do I owe? I feel like I'm on top of it,

469
00:22:21,280 --> 00:22:23,080
Speaker 2: Like it's kind of like a little check in every

470
00:22:23,080 --> 00:22:26,040
Speaker 2: month I'm doing financials anyway, it's just like I feel

471
00:22:26,040 --> 00:22:28,879
Speaker 2: like my house is really clean. And I didn't like

472
00:22:29,640 --> 00:22:31,720
Speaker 2: this is just me personally, but I didn't like when

473
00:22:31,800 --> 00:22:34,639
Speaker 2: I was paying basses quarterly because I felt like it

474
00:22:34,640 --> 00:22:36,720
Speaker 2: was a really big chunk of money, Like I want

475
00:22:36,760 --> 00:22:38,080
Speaker 2: to just get rid of it, like if it's not

476
00:22:38,119 --> 00:22:40,240
Speaker 2: my money and it's in my bank account, actually want

477
00:22:40,240 --> 00:22:42,280
Speaker 2: to get rid of it sooner rather than later. Because

478
00:22:42,320 --> 00:22:45,000
Speaker 2: like it's sitting there and watching it going like like

479
00:22:45,560 --> 00:22:49,400
Speaker 2: what's going on. Anyway, you as an individual may get

480
00:22:49,440 --> 00:22:53,600
Speaker 2: an activity statement if in the last year your payable

481
00:22:53,680 --> 00:22:57,400
Speaker 2: tax was actually more than what your employer deducted. So

482
00:22:57,480 --> 00:22:59,840
Speaker 2: it's actually to protect you. And the same is for

483
00:23:00,359 --> 00:23:02,719
Speaker 2: like the ATO isn't doing bass because they're like, oh,

484
00:23:02,760 --> 00:23:04,920
Speaker 2: we don't trust that you won't pay your tax. It's

485
00:23:04,960 --> 00:23:07,520
Speaker 2: so that you don't get a rude surprise at tax time.

486
00:23:07,840 --> 00:23:09,920
Speaker 2: And what might have happened, and it might be all

487
00:23:09,960 --> 00:23:14,280
Speaker 2: of the things she suggested, but more probable is just

488
00:23:14,359 --> 00:23:17,880
Speaker 2: that there was a discrepancy between what your employer said

489
00:23:17,920 --> 00:23:19,480
Speaker 2: you were going to have to pay in tax and

490
00:23:19,520 --> 00:23:21,679
Speaker 2: what they deducted and paid on your behalf, and then

491
00:23:21,720 --> 00:23:24,920
Speaker 2: you got a big tax bill. It's to actually stop

492
00:23:25,000 --> 00:23:27,199
Speaker 2: that happening in the future because there must be a

493
00:23:27,280 --> 00:23:30,399
Speaker 2: reason why. So the way tax is calculated, and to

494
00:23:30,440 --> 00:23:33,120
Speaker 2: be clear, I am not an accountant, so you might

495
00:23:33,240 --> 00:23:36,040
Speaker 2: need to or you should talk to your accountant. But

496
00:23:36,480 --> 00:23:38,960
Speaker 2: the way tax is calculated is on an average, right,

497
00:23:39,200 --> 00:23:41,200
Speaker 2: So if you had a month where you earned heaps

498
00:23:41,200 --> 00:23:44,760
Speaker 2: of money and you are employed, your employer would deduct

499
00:23:44,760 --> 00:23:46,800
Speaker 2: a heap more but then the next month, what if

500
00:23:46,800 --> 00:23:50,200
Speaker 2: you didn't work or you went on unpaid leave. Then

501
00:23:50,240 --> 00:23:54,320
Speaker 2: when the ATO looks at your annual income, they spread

502
00:23:54,320 --> 00:23:57,080
Speaker 2: that out over all of the months and then go, oh, well,

503
00:23:57,119 --> 00:23:59,800
Speaker 2: you know if in one month, you know, let's pretend

504
00:23:59,840 --> 00:24:03,520
Speaker 2: you had a taxable income of thirty percent, which is

505
00:24:03,520 --> 00:24:06,199
Speaker 2: the most normal in Australia, but one month you like

506
00:24:06,320 --> 00:24:09,680
Speaker 2: made bank and you jumped up a marginal tax bracket

507
00:24:09,680 --> 00:24:12,680
Speaker 2: for that month and your employer withheld more tax. Then

508
00:24:12,880 --> 00:24:15,239
Speaker 2: later down the track, when the ATO is doing your

509
00:24:15,240 --> 00:24:17,959
Speaker 2: tax return, they're like, oh, you didn't actually earn more

510
00:24:18,000 --> 00:24:21,040
Speaker 2: than one hundred and eighty grand yess like, you actually

511
00:24:21,320 --> 00:24:23,960
Speaker 2: earned less, but we taxed you at that amount because

512
00:24:24,000 --> 00:24:26,479
Speaker 2: that's what you did that month, So we're actually going

513
00:24:26,480 --> 00:24:28,920
Speaker 2: to give you a refund. The opposite could be true,

514
00:24:28,920 --> 00:24:31,000
Speaker 2: and it could just be out of sync and they're

515
00:24:31,040 --> 00:24:34,199
Speaker 2: just protecting you. And that's what an activity statement would do.

516
00:24:34,760 --> 00:24:37,040
Speaker 2: It's so that you check in more regularly and you're

517
00:24:37,080 --> 00:24:38,800
Speaker 2: not going to get a route.

518
00:24:38,880 --> 00:24:43,080
Speaker 5: So is it possible that the employer, say, for example,

519
00:24:43,080 --> 00:24:45,320
Speaker 5: they're paying you one hundred dollars a week and they're like,

520
00:24:45,359 --> 00:24:49,960
Speaker 5: we're putting thirty dollars a week to sent out a

521
00:24:50,040 --> 00:24:54,600
Speaker 5: tax but they only sent like fifteen dollars, but they

522
00:24:54,640 --> 00:24:56,040
Speaker 5: said that they're sending thirty.

523
00:24:56,600 --> 00:24:59,200
Speaker 2: Is that sometimes a situation like is that why?

524
00:24:59,359 --> 00:25:02,760
Speaker 4: Maybe yeah, they should not be doing that, but is

525
00:25:02,800 --> 00:25:03,560
Speaker 4: that possibly what?

526
00:25:03,760 --> 00:25:06,919
Speaker 2: It's not going to have the same ramifications.

527
00:25:06,920 --> 00:25:09,880
Speaker 4: It's business not paying tax, not using like yeah, that's

528
00:25:09,920 --> 00:25:13,520
Speaker 4: a whole difference. Okay, But it's very important to make

529
00:25:13,560 --> 00:25:17,680
Speaker 4: sure that your employer is paying their attack and your

530
00:25:17,760 --> 00:25:20,160
Speaker 4: super and all of that, which is why we need

531
00:25:20,200 --> 00:25:21,840
Speaker 4: to read our.

532
00:25:21,720 --> 00:25:24,120
Speaker 2: Pay slips and understand our pay slips. And I think

533
00:25:24,160 --> 00:25:27,120
Speaker 2: that there's actually going to be an episode coming up

534
00:25:27,480 --> 00:25:29,439
Speaker 2: of me just breaking down a pay slip. I know

535
00:25:29,520 --> 00:25:32,720
Speaker 2: that that's really basic for some people, but for lots

536
00:25:32,720 --> 00:25:34,480
Speaker 2: of you might be like I don't actually know what

537
00:25:34,480 --> 00:25:36,760
Speaker 2: these things mean, or like why does it say this

538
00:25:36,880 --> 00:25:39,119
Speaker 2: many hours here? I felt like I had it, Like

539
00:25:39,240 --> 00:25:39,640
Speaker 2: we're just.

540
00:25:39,600 --> 00:25:42,040
Speaker 4: Going to go through, line by line all the things

541
00:25:42,040 --> 00:25:44,480
Speaker 4: that could be possibly on your pay slip, and I

542
00:25:44,520 --> 00:25:47,639
Speaker 4: think that'll be a really good superful.

543
00:25:47,240 --> 00:25:48,280
Speaker 2: Yeah, that's very cool.

544
00:25:48,280 --> 00:25:50,719
Speaker 5: Also, if the in cases person you know, accepts their

545
00:25:50,760 --> 00:25:52,359
Speaker 5: fate and it's like, well I gotta pay this, you

546
00:25:52,400 --> 00:25:53,600
Speaker 5: can pay by installments.

547
00:25:53,800 --> 00:25:55,679
Speaker 2: Yeah, you can always just call the ATO up and

548
00:25:55,680 --> 00:25:58,040
Speaker 2: have a chat with them and even ask them, hey,

549
00:25:58,160 --> 00:26:00,680
Speaker 2: what was the specific reason I got an active statement?

550
00:26:00,720 --> 00:26:02,359
Speaker 2: And they might be able to open your file and

551
00:26:02,359 --> 00:26:04,719
Speaker 2: have a chat with you about it. More often than not,

552
00:26:04,840 --> 00:26:07,760
Speaker 2: it's literally just because that discrepancy exists. I know she

553
00:26:07,840 --> 00:26:09,240
Speaker 2: was like, Oh, it might have been because of this

554
00:26:09,359 --> 00:26:12,200
Speaker 2: or that. It could literally be because you're a good investor.

555
00:26:12,800 --> 00:26:15,240
Speaker 2: And like, let's say you were a really great investor

556
00:26:15,440 --> 00:26:19,359
Speaker 2: and you had a heap of shares that performed really well,

557
00:26:19,480 --> 00:26:22,320
Speaker 2: so therefore you went up a tax bracket. But your

558
00:26:22,359 --> 00:26:24,800
Speaker 2: employer they don't know your personal business or what you're

559
00:26:24,840 --> 00:26:27,560
Speaker 2: investing in. So you've only paid X amount of tax,

560
00:26:27,600 --> 00:26:29,440
Speaker 2: but at tax time you owe a little bit more.

561
00:26:29,640 --> 00:26:32,560
Speaker 4: Sure, it's a good problem to have, Like paying more tax.

562
00:26:32,560 --> 00:26:34,600
Speaker 4: As much as it hurts and it's not fun, it's

563
00:26:34,640 --> 00:26:36,679
Speaker 4: a good problem to have, and paying it more regularly

564
00:26:36,880 --> 00:26:39,160
Speaker 4: means that you're not going to get stune come June thirty.

565
00:26:39,400 --> 00:26:42,400
Speaker 2: Yeah, yeah, yeah, should be into the juicy store. Are

566
00:26:42,440 --> 00:26:43,480
Speaker 2: you ready? Guys?

567
00:26:43,800 --> 00:26:46,960
Speaker 4: All right, I have a DM for you high queens.

568
00:26:47,200 --> 00:26:50,199
Speaker 4: I'm currently doing a job that's draining me. Imagine a

569
00:26:50,240 --> 00:26:52,800
Speaker 4: consulting job where you were paid for thirty seven and

570
00:26:52,840 --> 00:26:55,520
Speaker 4: a half hours, but end up working fifty hours a

571
00:26:55,520 --> 00:26:57,600
Speaker 4: week to make sure the job is done. No one

572
00:26:57,640 --> 00:27:00,760
Speaker 4: forces you to, but everyone does it and expects you

573
00:27:00,840 --> 00:27:03,920
Speaker 4: to do it. I'm currently in the process of applying

574
00:27:03,960 --> 00:27:09,159
Speaker 4: for permanent residency. Exciting, and I can do so thanks

575
00:27:09,200 --> 00:27:11,320
Speaker 4: to one year working as a consultant.

576
00:27:12,000 --> 00:27:14,280
Speaker 2: Although I love my team and currently have.

577
00:27:14,320 --> 00:27:17,880
Speaker 4: Financial security, my mental health has never been so low.

578
00:27:18,240 --> 00:27:21,000
Speaker 4: I have zero work life balance and almost no time

579
00:27:21,040 --> 00:27:24,399
Speaker 4: for hobbies. When the weekend comes, I'm so tired, I

580
00:27:24,480 --> 00:27:28,280
Speaker 4: just stay home. Question is, would you quit and prioritize

581
00:27:28,280 --> 00:27:30,879
Speaker 4: mental health, although it would make it harder for you

582
00:27:30,960 --> 00:27:34,120
Speaker 4: to find another job as a not yet permanent resident,

583
00:27:34,960 --> 00:27:35,879
Speaker 4: what would you do?

584
00:27:37,240 --> 00:27:44,320
Speaker 5: I really am so strongly against this culture of like

585
00:27:44,760 --> 00:27:47,440
Speaker 5: it's expected that you stay back and you work late

586
00:27:47,440 --> 00:27:48,640
Speaker 5: and you work extra hours.

587
00:27:48,680 --> 00:27:52,639
Speaker 2: It is so bad. It's gross and where did it

588
00:27:52,680 --> 00:27:54,800
Speaker 2: come from and why is it there? Why does it exist?

589
00:27:54,880 --> 00:27:56,840
Speaker 5: Because if you're paying me for these amount of hours,

590
00:27:56,880 --> 00:27:59,400
Speaker 5: and you're doing your job that in those hours, if

591
00:27:59,560 --> 00:28:04,200
Speaker 5: you're severely overworked and you must work over time, that's

592
00:28:04,240 --> 00:28:06,920
Speaker 5: the problem with the company. It's not a problem with you,

593
00:28:07,000 --> 00:28:10,840
Speaker 5: it's a problem the company not actually hiring enough people

594
00:28:11,280 --> 00:28:14,480
Speaker 5: to keep up with all the workless you never ever

595
00:28:14,520 --> 00:28:17,360
Speaker 5: ever falln any person to ever have to pick up.

596
00:28:17,720 --> 00:28:20,520
Speaker 5: So I don't like it, and I think you need

597
00:28:20,560 --> 00:28:22,359
Speaker 5: to get the hell out of there. But did this

598
00:28:22,359 --> 00:28:25,840
Speaker 5: person mention how long they have left until the one year? Okay,

599
00:28:25,880 --> 00:28:28,280
Speaker 5: well if you're I feel like, if you're close enough,

600
00:28:28,280 --> 00:28:30,879
Speaker 5: maybe stick it out and just like just honestly, like,

601
00:28:30,960 --> 00:28:32,879
Speaker 5: just deal with it for now. The feeling of like, oh,

602
00:28:32,920 --> 00:28:35,760
Speaker 5: everyone kind of hates me because I'm not doing more hours,

603
00:28:35,760 --> 00:28:40,800
Speaker 5: because honestly, they're the ones who will eventually be like deeply,

604
00:28:41,040 --> 00:28:44,160
Speaker 5: deeply sad about the fact that they wasted so much

605
00:28:44,200 --> 00:28:47,640
Speaker 5: of their free time, not spending time with their family,

606
00:28:47,720 --> 00:28:50,080
Speaker 5: not spending their time with their friends, not going out

607
00:28:50,080 --> 00:28:52,240
Speaker 5: and seeing the sun. Isn't it crazy that we don't

608
00:28:52,240 --> 00:28:55,320
Speaker 5: see the sun for most of the week. I don't

609
00:28:55,400 --> 00:28:58,440
Speaker 5: like it. You must leave. This is not a normal

610
00:28:58,760 --> 00:29:01,120
Speaker 5: way to live your life. We should not be working

611
00:29:01,160 --> 00:29:03,160
Speaker 5: more hours than we expected you every now and then,

612
00:29:03,160 --> 00:29:05,160
Speaker 5: of course, but at the same time, every now and then,

613
00:29:05,360 --> 00:29:08,440
Speaker 5: leave early. Just don't tell anyone whatever. So it all

614
00:29:08,440 --> 00:29:10,320
Speaker 5: comes out in the wash. If it's like I remember

615
00:29:10,320 --> 00:29:13,400
Speaker 5: one time my friend her boss said, the only criticism

616
00:29:13,440 --> 00:29:14,840
Speaker 5: I have is that you never work late.

617
00:29:15,440 --> 00:29:19,760
Speaker 2: What do you mean? What is that? Like? What is why?

618
00:29:19,920 --> 00:29:20,120
Speaker 1: Yeah?

619
00:29:20,120 --> 00:29:20,440
Speaker 3: Exactly?

620
00:29:20,480 --> 00:29:20,680
Speaker 5: Do mean?

621
00:29:20,720 --> 00:29:22,560
Speaker 2: I do my job? Exactly? Do you mean I'm efficient?

622
00:29:22,560 --> 00:29:25,240
Speaker 2: I do my job? And why why should anyone be

623
00:29:25,240 --> 00:29:28,080
Speaker 2: expected to work late? It's it's so bad. You see

624
00:29:28,120 --> 00:29:31,600
Speaker 2: our team at work late. There's literally nothing going on

625
00:29:31,680 --> 00:29:36,400
Speaker 2: except espresso martinis and totally Thursdays totally, and I regret

626
00:29:36,440 --> 00:29:38,080
Speaker 2: nothing for that decision totally.

627
00:29:38,080 --> 00:29:40,360
Speaker 5: It's like some people think that, like I'm shocked that

628
00:29:40,440 --> 00:29:43,440
Speaker 5: you want to go and live your life outside of these.

629
00:29:44,000 --> 00:29:46,360
Speaker 4: And it's up to the managers as well to be

630
00:29:47,440 --> 00:29:51,680
Speaker 4: enforcing that. Yeah, obviously that's I would assume being driven

631
00:29:51,720 --> 00:29:54,560
Speaker 4: by management, but like it's also up to management to

632
00:29:54,680 --> 00:29:56,640
Speaker 4: nip that in the butt and make sure that your

633
00:29:56,880 --> 00:29:59,480
Speaker 4: team have a good work life balance, because otherwise you're

634
00:29:59,480 --> 00:30:01,200
Speaker 4: going to burn them out. Like at the end of

635
00:30:01,200 --> 00:30:04,160
Speaker 4: the day, literally a terrible business decision, you're going to

636
00:30:04,240 --> 00:30:08,120
Speaker 4: see higher turnover, less engagement. Like and you know what,

637
00:30:08,520 --> 00:30:10,880
Speaker 4: I used to work as a culture and engagement consultant

638
00:30:10,960 --> 00:30:14,640
Speaker 4: and businesses see fifty percent higher shareholder reten when you

639
00:30:14,640 --> 00:30:15,680
Speaker 4: have engaged employees.

640
00:30:15,920 --> 00:30:19,360
Speaker 5: Yes, exactly right, I'm sorry for you. The only other

641
00:30:19,480 --> 00:30:20,880
Speaker 5: thing I was going to say was that because it's

642
00:30:20,920 --> 00:30:24,440
Speaker 5: thirty seven point five hours, I'm assuming that means that

643
00:30:24,440 --> 00:30:27,520
Speaker 5: you're not getting paid for your breaks, which also means

644
00:30:27,880 --> 00:30:30,000
Speaker 5: you're still in the area. You're probably still in the

645
00:30:30,080 --> 00:30:34,280
Speaker 5: office when you're taking your break. So you're giving them

646
00:30:34,720 --> 00:30:35,520
Speaker 5: x amount of time.

647
00:30:35,600 --> 00:30:38,640
Speaker 2: Yeah, fifty hours of a week at least. Yeah, not

648
00:30:38,680 --> 00:30:40,400
Speaker 2: for your employer. It's ridiculous.

649
00:30:40,400 --> 00:30:42,080
Speaker 5: So like, Okay, you're not paying me for this amount

650
00:30:42,080 --> 00:30:44,960
Speaker 5: of time. So that's the extra time. That's the extra

651
00:30:45,000 --> 00:30:46,520
Speaker 5: time when I'm still not at home. I'm still not

652
00:30:46,520 --> 00:30:48,400
Speaker 5: seeing my friends, I'm still seeing my family, it's not

653
00:30:48,440 --> 00:30:49,479
Speaker 5: doing things that I like to do.

654
00:30:49,720 --> 00:30:51,560
Speaker 2: So there's the extra time you have it. You're not

655
00:30:51,600 --> 00:30:52,440
Speaker 2: paying me for my breaks.

656
00:30:53,000 --> 00:30:57,520
Speaker 5: Don't do any even a nano second later than what you.

657
00:30:57,520 --> 00:31:00,240
Speaker 2: Have to get out of there, leave asap. What are

658
00:31:00,280 --> 00:31:03,280
Speaker 2: you doing? I think like there is you have to

659
00:31:03,360 --> 00:31:06,560
Speaker 2: acknowledge that there is unfortunately a really strong culture of this,

660
00:31:06,640 --> 00:31:09,120
Speaker 2: particularly incorporate Like I can think of two jobs that

661
00:31:09,160 --> 00:31:13,160
Speaker 2: I've had specifically that had very money. No, no, no,

662
00:31:13,680 --> 00:31:16,120
Speaker 2: but very much had the same culture. And similarly, I

663
00:31:16,160 --> 00:31:18,640
Speaker 2: had a manager talk to me once about the fact

664
00:31:18,640 --> 00:31:23,280
Speaker 2: that I always left right on time, and I was like, sorry,

665
00:31:23,480 --> 00:31:26,680
Speaker 2: like what anyway, what I don't think it's right. I

666
00:31:26,680 --> 00:31:29,640
Speaker 2: completely agree. Maybe it's a reflection of you manager. Yeah,

667
00:31:29,680 --> 00:31:31,840
Speaker 2: like it shouldn't be the norm at all. But I

668
00:31:31,880 --> 00:31:36,120
Speaker 2: think the risk adverse part of me says that you

669
00:31:36,160 --> 00:31:38,840
Speaker 2: should stick it out until your permanent residency comes through

670
00:31:38,880 --> 00:31:40,800
Speaker 2: because I know that there are a lot of hoops

671
00:31:40,840 --> 00:31:44,760
Speaker 2: to jump through. I know someone through someone that's recently

672
00:31:45,120 --> 00:31:48,040
Speaker 2: had like they left their workplace. They're having to leave

673
00:31:48,080 --> 00:31:50,880
Speaker 2: the country because like they couldn't get a job like Jerry.

674
00:31:51,000 --> 00:31:54,040
Speaker 2: I just think you've put in so much time already,

675
00:31:54,560 --> 00:31:57,600
Speaker 2: and knowing that it can be difficult to find companies

676
00:31:57,600 --> 00:31:59,600
Speaker 2: that are willing to sponsor or willing to do whatever,

677
00:32:00,280 --> 00:32:03,760
Speaker 2: it adds the layer of complication and stress that would

678
00:32:03,920 --> 00:32:04,960
Speaker 2: do you know what I mean, Like you've kind of

679
00:32:04,960 --> 00:32:06,960
Speaker 2: be trading one kind of stress for another. I don't

680
00:32:07,000 --> 00:32:09,360
Speaker 2: know how far you have left to go until you

681
00:32:09,400 --> 00:32:12,760
Speaker 2: hit your residency. I personally would make the decision to

682
00:32:12,760 --> 00:32:14,840
Speaker 2: stick it out until it was secured, and then I'd

683
00:32:14,840 --> 00:32:15,840
Speaker 2: be booking it out of there.

684
00:32:16,000 --> 00:32:19,160
Speaker 4: Yeah, I'm the same, And in most situations i'd say

685
00:32:19,160 --> 00:32:21,360
Speaker 4: absolutely not, like you are not going to stay in

686
00:32:21,440 --> 00:32:24,640
Speaker 4: this job that you know is depleting you. But there's

687
00:32:24,640 --> 00:32:26,920
Speaker 4: obviously a bigger picture in mind.

688
00:32:27,080 --> 00:32:27,320
Speaker 2: Yeah.

689
00:32:27,400 --> 00:32:30,080
Speaker 4: First, never quit a job before having another job, especially

690
00:32:30,120 --> 00:32:32,920
Speaker 4: when you're in a risky situation. But then the second

691
00:32:32,960 --> 00:32:35,640
Speaker 4: one is, let's embrace this concept of quiet quitting.

692
00:32:36,120 --> 00:32:38,920
Speaker 2: Oh absolutely, Yeah's just.

693
00:32:39,080 --> 00:32:42,360
Speaker 4: Start enforcing the fact that, oh, I have to leave early.

694
00:32:42,560 --> 00:32:44,840
Speaker 2: You can lie like I'm going to let you lie.

695
00:32:44,960 --> 00:32:47,120
Speaker 4: Yes, say that you've got appointment, Say you've taken up

696
00:32:47,160 --> 00:32:49,400
Speaker 4: a hobby after work. Sorry, on Thursdays, I have to

697
00:32:49,480 --> 00:32:50,040
Speaker 4: leave it five.

698
00:32:50,160 --> 00:32:50,360
Speaker 2: Yes.

699
00:32:50,400 --> 00:32:52,080
Speaker 5: And also start taking your sick days because they don't

700
00:32:52,080 --> 00:32:53,280
Speaker 5: get paid out. Start taking them now.

701
00:32:53,360 --> 00:32:55,360
Speaker 2: Yeah, and sick days.

702
00:32:55,440 --> 00:32:57,560
Speaker 4: I think lots of people just go, I need to

703
00:32:57,560 --> 00:32:59,840
Speaker 4: take a sick day because I have a really bad

704
00:33:00,040 --> 00:33:02,680
Speaker 4: lou when I'm in bed. Your sick days cover your

705
00:33:02,720 --> 00:33:05,480
Speaker 4: mental health, Like if you need to go, all right, well,

706
00:33:05,520 --> 00:33:07,680
Speaker 4: I'm actually going to take a sick day today because

707
00:33:08,360 --> 00:33:12,240
Speaker 4: I just need the space mentally, because I cannot return

708
00:33:12,280 --> 00:33:14,600
Speaker 4: to the office on Monday without having an extra day

709
00:33:14,600 --> 00:33:15,160
Speaker 4: this weekend.

710
00:33:15,560 --> 00:33:17,800
Speaker 2: That is a sick day to me, and your doctor

711
00:33:17,840 --> 00:33:19,280
Speaker 2: can give you a certificate to cover that.

712
00:33:19,360 --> 00:33:22,400
Speaker 4: If that's quiet, Check your contract, like, this is me

713
00:33:22,520 --> 00:33:25,400
Speaker 4: maybe not being a good Employees aren't going to like me,

714
00:33:25,440 --> 00:33:26,040
Speaker 4: but I don't care.

715
00:33:26,240 --> 00:33:27,120
Speaker 2: Check your contract.

716
00:33:27,240 --> 00:33:30,760
Speaker 4: How often are they going to be asking for six certificates?

717
00:33:30,800 --> 00:33:33,560
Speaker 4: Like obviously if they're going to ask, And this is

718
00:33:33,560 --> 00:33:37,400
Speaker 4: not me saying abuse the policy, but sometimes companies are like, oh,

719
00:33:37,480 --> 00:33:41,400
Speaker 4: any sick days need a six certificate. Some companies will say, oh,

720
00:33:41,560 --> 00:33:43,720
Speaker 4: six certificates are required if you have more than three

721
00:33:43,800 --> 00:33:45,960
Speaker 4: days off, so just know that as well, just so

722
00:33:46,000 --> 00:33:48,200
Speaker 4: that you've got a little bit of flexibility, but using

723
00:33:48,240 --> 00:33:51,280
Speaker 4: your sick days, asking for some more accommodations. Can you

724
00:33:51,320 --> 00:33:53,440
Speaker 4: work from home? Can you do some stuff around that?

725
00:33:53,880 --> 00:33:56,680
Speaker 4: Also just going oh sorry, I don't have the capacity

726
00:33:56,680 --> 00:34:00,440
Speaker 4: for that, Like you can also just stand your ground

727
00:34:00,440 --> 00:34:02,000
Speaker 4: a little bit more and it's quite hard to do,

728
00:34:02,440 --> 00:34:04,760
Speaker 4: but saying oh, thanks so much for that work you've

729
00:34:04,800 --> 00:34:07,239
Speaker 4: just allocated me. Beck, You know there's so much on

730
00:34:07,240 --> 00:34:09,680
Speaker 4: my plate right now that you know with this additional thing,

731
00:34:09,680 --> 00:34:11,080
Speaker 4: I'm not going to be able to do all of

732
00:34:11,120 --> 00:34:13,040
Speaker 4: that this week. What ones did you want me to

733
00:34:13,040 --> 00:34:16,080
Speaker 4: prioritize and just like starting to slowly push back and

734
00:34:16,120 --> 00:34:18,560
Speaker 4: be like, oh, actually that's not feasible because I think

735
00:34:18,600 --> 00:34:21,800
Speaker 4: in those cultures you just get a yes mentality.

736
00:34:21,840 --> 00:34:24,160
Speaker 2: You go, oh, yep, no worries, Oh yep, no worries.

737
00:34:25,160 --> 00:34:28,360
Speaker 2: But when are we pushing back? When are we saying, oh, actually,

738
00:34:28,400 --> 00:34:30,560
Speaker 2: like which ones did you want me to prioritize because

739
00:34:30,600 --> 00:34:33,759
Speaker 2: like there's actually not enough capacity, Yeah, you should have

740
00:34:33,840 --> 00:34:37,320
Speaker 2: hired someone else. Totally, I will say, mentally prepare yourself.

741
00:34:37,320 --> 00:34:39,040
Speaker 2: It goes one of two way with cultures like this.

742
00:34:39,200 --> 00:34:41,560
Speaker 2: Either everyone resents it and you might find that when

743
00:34:41,560 --> 00:34:44,440
Speaker 2: you start pushing back, other people start pushing back, or

744
00:34:44,480 --> 00:34:47,480
Speaker 2: you might find that people are a little bit unkind

745
00:34:47,520 --> 00:34:50,560
Speaker 2: about it. Yeah, so would say just be mentally prepared.

746
00:34:51,080 --> 00:34:53,520
Speaker 2: That so true because yeah, if I think back to

747
00:34:53,760 --> 00:34:56,359
Speaker 2: the job that I had where it was very much

748
00:34:56,440 --> 00:34:59,200
Speaker 2: the norm, you know, when I wasn't willing to participate

749
00:34:59,280 --> 00:35:00,759
Speaker 2: in those types of things. I was like, no, I'm

750
00:35:00,760 --> 00:35:03,000
Speaker 2: not coming out to afterwork drinks because I don't really

751
00:35:03,040 --> 00:35:04,960
Speaker 2: like you guys, and you can like the jive spent

752
00:35:05,080 --> 00:35:07,480
Speaker 2: enough time working and whatever you know or whatever. It

753
00:35:07,600 --> 00:35:12,160
Speaker 2: was like the reception was not like the nicest and

754
00:35:12,200 --> 00:35:14,560
Speaker 2: like that's not your thought's reflective of them, not you,

755
00:35:14,719 --> 00:35:16,400
Speaker 2: one hundred percent. It is, but it's just something I

756
00:35:16,400 --> 00:35:18,520
Speaker 2: wanted to say because I think, like, if you're already

757
00:35:18,560 --> 00:35:22,120
Speaker 2: not in a great space mentally facing, like additional adversity

758
00:35:22,280 --> 00:35:24,560
Speaker 2: might make you feel a little bit shittier. But that's

759
00:35:24,600 --> 00:35:26,600
Speaker 2: as exactly as you said, that's not on you, one

760
00:35:26,680 --> 00:35:28,320
Speaker 2: hundred percent. Do we want to talk about what the

761
00:35:28,360 --> 00:35:30,640
Speaker 2: community had to say still it? Yes, all right, So

762
00:35:30,680 --> 00:35:32,840
Speaker 2: we asked the community what would you do if you

763
00:35:32,920 --> 00:35:36,319
Speaker 2: were in this situation. Twelve percent of you said quit

764
00:35:36,600 --> 00:35:40,160
Speaker 2: and prioritize mental health, twenty six percent said stay and

765
00:35:40,200 --> 00:35:43,600
Speaker 2: set boundaries, thirty five percent said stick it out but

766
00:35:43,680 --> 00:35:46,719
Speaker 2: start job hunting, and twenty seven percent said write it

767
00:35:46,719 --> 00:35:49,720
Speaker 2: out until you get pr then reassess. It's quite a split.

768
00:35:50,040 --> 00:35:52,400
Speaker 4: It is a split, but I feel like the split

769
00:35:52,520 --> 00:35:55,560
Speaker 4: is really across like being a little bit more conservative

770
00:35:55,680 --> 00:35:58,879
Speaker 4: than like quitting and focusing on mental health, which, as

771
00:35:58,920 --> 00:36:01,400
Speaker 4: we all know, like that's a privileged to do in itself,

772
00:36:01,520 --> 00:36:05,040
Speaker 4: Like not many people are in a position where you can.

773
00:36:04,960 --> 00:36:06,480
Speaker 2: Go, oh, just quit my job.

774
00:36:06,680 --> 00:36:09,200
Speaker 4: Yeah, Like I'm sorry, Like I wish that we were,

775
00:36:09,440 --> 00:36:11,920
Speaker 4: And that's why we have emergency funds and stuff totally.

776
00:36:11,960 --> 00:36:13,399
Speaker 2: We're going to build towards that.

777
00:36:13,440 --> 00:36:15,759
Speaker 4: But I would say ninety nine percent of people can't

778
00:36:15,800 --> 00:36:18,120
Speaker 4: just quit and prioritize their mental health. We have to

779
00:36:18,520 --> 00:36:19,839
Speaker 4: have some strategies at play.

780
00:36:20,000 --> 00:36:20,560
Speaker 2: Yeah.

781
00:36:20,840 --> 00:36:22,960
Speaker 4: Next question we asked was, have you ever worked in

782
00:36:22,960 --> 00:36:25,200
Speaker 4: a place where overworking was part of the culture.

783
00:36:25,560 --> 00:36:28,279
Speaker 2: Surely it's like ninety nine percent of Yeah, sure, No,

784
00:36:28,520 --> 00:36:32,719
Speaker 2: it's actually eighty one. Eighty one percent of people said yep,

785
00:36:32,760 --> 00:36:35,960
Speaker 2: I definitely have. Isn't that so sad? So gross? I

786
00:36:36,000 --> 00:36:38,560
Speaker 2: know thirteen percent of you said no, I haven't worked

787
00:36:38,600 --> 00:36:42,640
Speaker 2: anywhere like that. You lucky ducks. Lucky. And six percent

788
00:36:42,719 --> 00:36:45,200
Speaker 2: of you said I'm in that situation right now. Oh no,

789
00:36:45,320 --> 00:36:49,399
Speaker 2: get out. Yeah. Then we said to the community, give

790
00:36:49,440 --> 00:36:52,560
Speaker 2: us you two cents. First person said, this.

791
00:36:52,480 --> 00:36:56,239
Speaker 4: Is two PARTA too PARTA trust me unless you have

792
00:36:56,280 --> 00:36:59,440
Speaker 4: another PR pathway see an immigration lawyer.

793
00:36:59,640 --> 00:37:01,120
Speaker 2: Wait until you have that visa.

794
00:37:01,400 --> 00:37:04,759
Speaker 4: Enjoy your freedom once you can also enjoy the security

795
00:37:04,760 --> 00:37:05,239
Speaker 4: of the PR.

796
00:37:06,200 --> 00:37:08,160
Speaker 2: Yeah. Fair, True, it's true.

797
00:37:08,239 --> 00:37:12,080
Speaker 4: Next person said, participating in free labor is what normalized?

798
00:37:12,080 --> 00:37:15,759
Speaker 2: Does it stop immediately? True? Easier said than done.

799
00:37:16,120 --> 00:37:18,640
Speaker 4: I know, I wish it wasn't, but it is. Next

800
00:37:18,640 --> 00:37:21,479
Speaker 4: person said that was me. I quit and found another job.

801
00:37:21,719 --> 00:37:24,560
Speaker 4: PR has taken longer, but it was worth my mental health.

802
00:37:25,000 --> 00:37:26,799
Speaker 2: That's great to know that it's worked for someone. Yeah,

803
00:37:26,800 --> 00:37:29,319
Speaker 2: but also I like that you found someone else that

804
00:37:29,360 --> 00:37:30,759
Speaker 2: supported it as well. Yes.

805
00:37:31,000 --> 00:37:34,480
Speaker 4: Next person said, experiencing work life balance post burnout is

806
00:37:34,520 --> 00:37:36,560
Speaker 4: wholeheartedly the best thing.

807
00:37:36,719 --> 00:37:40,840
Speaker 2: Ever. Another person said, as for me, I'm starting an

808
00:37:40,880 --> 00:37:44,239
Speaker 2: online course and doing job hunting while I continue working there,

809
00:37:44,920 --> 00:37:47,000
Speaker 2: So trying to upscale while they're looking for something different.

810
00:37:47,040 --> 00:37:47,760
Speaker 2: That's a good idea.

811
00:37:48,400 --> 00:37:48,600
Speaker 3: Yep.

812
00:37:48,680 --> 00:37:51,480
Speaker 4: Another person said, the extra hours aren't worth it. There

813
00:37:51,560 --> 00:37:55,960
Speaker 4: is no benefit for yourself, only for that company IG exactly.

814
00:37:56,600 --> 00:37:58,719
Speaker 4: And then I'm just going to give you one more

815
00:37:58,760 --> 00:38:02,040
Speaker 4: and it was her. I studied, I got a new job.

816
00:38:02,120 --> 00:38:05,120
Speaker 4: It was so scary, but now couldn't be happier.

817
00:38:05,400 --> 00:38:07,719
Speaker 2: Great light of the end of the tunnel so much

818
00:38:07,760 --> 00:38:09,480
Speaker 2: and I feel like that's a really great place to

819
00:38:09,560 --> 00:38:12,320
Speaker 2: leave it. Guys. What a week, What a new studio,

820
00:38:12,400 --> 00:38:13,960
Speaker 2: what a vibe. I love it.

821
00:38:14,480 --> 00:38:17,799
Speaker 4: We just sound better sitting on these couches. Yeah, I

822
00:38:17,920 --> 00:38:20,400
Speaker 4: love it here all right, guys. I hope you have

823
00:38:20,440 --> 00:38:22,960
Speaker 4: a really beautiful weekend and we will see you bright

824
00:38:23,000 --> 00:38:25,839
Speaker 4: and early on Monday morning for our Money Diary till

825
00:38:25,880 --> 00:38:36,279
Speaker 4: then bye bye bye. The advice shared on She's on

826
00:38:36,320 --> 00:38:38,440
Speaker 4: the Money is generally nature and does.

827
00:38:38,360 --> 00:38:40,560
Speaker 2: Not consider your individual circumstances.

828
00:38:40,920 --> 00:38:44,359
Speaker 4: She's on the Money exists purely for educational purposes and

829
00:38:44,360 --> 00:38:46,800
Speaker 4: should not be relied upon to make an investment or

830
00:38:46,880 --> 00:38:47,920
Speaker 4: financial decision.

831
00:38:48,280 --> 00:38:50,799
Speaker 2: If you do choose to buy a financial product.

832
00:38:50,560 --> 00:38:54,399
Speaker 4: Read the PDS TMD and obtain appropriate financial advice.

833
00:38:54,120 --> 00:38:57,719
Speaker 2: Tailored towards your needs. Victoria Divine and She's on the

834
00:38:57,760 --> 00:39:01,200
Speaker 2: Money are authorized representatives of money sirper P T y

835
00:39:01,480 --> 00:39:03,959
Speaker 2: L t D A b N three two one six

836
00:39:04,040 --> 00:39:07,080
Speaker 2: four nine two seven seven zero eight a F s

837
00:39:07,239 --> 00:39:09,200
Speaker 2: L four five one two eight nine