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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 Kerney 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. She's on the Money. She's on

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Speaker 2: the Money.

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Speaker 3: Hello, and welcome to She's on the the podcast for

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Speaker 3: millennials who want financial freedom. Welcome back to another one

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Speaker 3: of our money diaries where we get to talk to

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Speaker 3: one of our incredible She's on the Money community members

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Speaker 3: all about their journey. Let's jump straight into it this

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Speaker 3: week because we got a message and it went a

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Speaker 3: little bit like this, Dear, She's on the Money. I

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Speaker 3: was born in India and then moved to England before

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Speaker 3: coming to Australia. Money has always been difficult in my family,

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Speaker 3: but my mum is a model of hard work and

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Speaker 3: the made breadwinner in the family working as a nurse.

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Speaker 3: I'm nineteen years old, i earned six figures without a

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Speaker 3: university degree, and I've just bought an apartment. I'd love

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Speaker 3: to share my story with you, Ah, money Diarist, I'd

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Speaker 3: love you to.

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Speaker 2: Share your story with me too. Thank you for coming

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Speaker 2: on the show, Thanks.

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Speaker 4: For having me.

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Speaker 3: Oh my gosh, I am so excited. How are you

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Speaker 3: so young and bought an apartment and earning six I've

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Speaker 3: just got questions. I've got so many questions. But let's

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Speaker 3: start Money Diries, as we always do. I want to know,

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Speaker 3: if you were going to give yourself a grade, how

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Speaker 3: would you rate your money habits from an A through

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Speaker 3: to an F.

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Speaker 4: I think I would give myself a minus.

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Speaker 2: An A minus.

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Speaker 3: Ooh, given your nineteen earned six figures and bought an apartment,

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Speaker 3: I expected a plus. But we will get to understanding

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Speaker 3: that a little bit later in the show Money Diaries.

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Speaker 3: Let's jump into the most exciting question of the show.

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Speaker 3: I want to know, can you tell us a little

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Speaker 3: bit about your money story?

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Speaker 4: Yep, So we didn't talk a whole heap about money

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Speaker 4: when I was young, but I know we didn't struggle

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Speaker 4: a whole heap because my mom sent me to private school,

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Speaker 4: which I was very grateful about. And so my mom's

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Speaker 4: always been a very good saver. She never buys herself

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Speaker 4: clothes or any materialistic items really unless she really needs it.

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Speaker 4: And so for her birthday, if I ask her what

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Speaker 4: she wants or anything, she'll always say, don't buy me anything,

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Speaker 4: save your money. I'd rather you not spend it on me,

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Speaker 4: which I've always thought he's really sweet, and so on

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Speaker 4: the other side, my dad's been more of a spender.

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Speaker 4: He's more of the idea that you only have one

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Speaker 4: life and you should sort of live it to the

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Speaker 4: best life possible, and so it's been interesting seeing both sides,

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Speaker 4: and so they both had their differences and a lot

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Speaker 4: of arguments stemmed from this idea. Because my mum was

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Speaker 4: more of a saver, my dad was more of a spender,

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Speaker 4: and so growing up, Mom's always told me to work hard,

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Speaker 4: save money, and get a good job, and so I've

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Speaker 4: always been a pretty good saver luckily, but my parents

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Speaker 4: have never really taught me anything about budgeting or investing,

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Speaker 4: because I don't think they were taught by their parents,

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Speaker 4: and so they don't really fully understand it either. So

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Speaker 4: everything that I've learned, I've had to teach myself, either

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Speaker 4: from this podcast, my millennial money, or through books or

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Speaker 4: from researching. And so I've pretty much been working since

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Speaker 4: I was six, and ever since I've gotten my first job,

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Speaker 4: I've always bought everything myself, like clothes, electronics, anything else

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Speaker 4: that I've wanted, and I haven't relied too much on

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Speaker 4: my parents, as they've already done a lot for me already.

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Speaker 4: And so straight out of school, I started working full

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Speaker 4: time and I didn't pursue UNI, which was different compared

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Speaker 4: to all of my friends as they were all going

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Speaker 4: to UNI. So it was definitely a different adjustment and

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Speaker 4: hard for me. So I did TAFE while working straight

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Speaker 4: out of school, and honestly, I haven't looked back since.

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Speaker 3: I love that Because there seems to be, especially at

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Speaker 3: the moment, just so much pressure for you to come

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Speaker 3: straight out of school and straight into a university degree.

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Speaker 3: Where did this idea of no, I don't need a

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Speaker 3: UNI degree come from?

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Speaker 1: Like?

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Speaker 3: Why did you know that TAIFE was the right decision

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Speaker 3: for you, especially given you work in a relatively and

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Speaker 3: we'll get to it, but you work in a relatively

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Speaker 3: tech heavy industry that I would have assumed, and he says,

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Speaker 3: maybe through my naivity, I would have assumed you needed

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Speaker 3: a degree.

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Speaker 4: In Yeah, So it definitely stemmed from being in school.

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Speaker 4: My IT teacher pretty much helped me get a trainee

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Speaker 4: ship straight after school, and I guess talking to people

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Speaker 4: while I was working also made me realize that I

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Speaker 4: didn't really need a UNI degree and if I wanted

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Speaker 4: a UNI degree, I could always go back and get

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Speaker 4: it afterwards, and I would have the organization I was

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Speaker 4: working at to support for me to pay for it.

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Speaker 4: And I guess money was also another factor. I was

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Speaker 4: more looking to start working rather than having to pay

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Speaker 4: off university, and so that really also persuaded me, And

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Speaker 4: I was like, getting hands on experience also seems like

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Speaker 4: a no brainer.

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Speaker 3: I love that, and I love that you just knew

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Speaker 3: that that's what would work for you personally. So can

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Speaker 3: you tell us a little bit about what you actually

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Speaker 3: do for work now and how much money you earn.

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Speaker 4: I'm a cyber consultant and I currently earn one hundred

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Speaker 4: and five K a year, not including super.

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Speaker 3: Not including super Yeah, and you're nineteen. Yeah, I'm about

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Speaker 3: to nah nah, this is wild.

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Speaker 2: That is wild. Can you tell me how you got there?

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Speaker 3: Because you don't just come out of school and someone goes, hey, money, diarist,

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Speaker 3: here's one hundred and five grand be a cyber consultant. Like,

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Speaker 3: tell me a little bit about that career journey, because

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Speaker 3: I know there's going to be one.

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Speaker 4: Yeah. So, straight out of school, as I mentioned earlier,

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Speaker 4: I was working full time. So I was doing a

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Speaker 4: trainee ship where I did TAFE as well, and so

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Speaker 4: I did a year of that and then I got

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Speaker 4: promoted and then after that I was in the role

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Speaker 4: and it was pretty stagnant, and I was like, oh,

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Speaker 4: I want something else that challenges me. And so I

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Speaker 4: started applying to all these jobs. And at the time,

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Speaker 4: I honestly didn't think anything of it. I didn't think

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Speaker 4: I had enough skills or anything like that. But my

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Speaker 4: supervisor at the time was like, just apply for it,

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Speaker 4: you never know, and she was really supportive, which I'm

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Speaker 4: grateful for.

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Speaker 2: I love that.

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Speaker 4: And so I actually got this job through another interview

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Speaker 4: that I was doing and the lady who was interviewing

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Speaker 4: me recommended me to someone in my team. So it

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Speaker 4: was through networking pretty much that I got this job.

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Speaker 3: Well, that is so impressive as somebody who's not very

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Speaker 3: good at cybersecurity and all of her passwords match.

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Speaker 2: Could you please tell me a little.

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Speaker 3: Bit about what that sector includes, like what is your

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Speaker 3: actual job and if somebody in the she's on the

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Speaker 3: money community was interested in getting into it, like what

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Speaker 3: would your advice be.

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Speaker 4: So there definitely is a lot to cyber and the

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Speaker 4: pathway I've gone down, I would say, is more of

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Speaker 4: the non technical one, which is exactly what I wanted.

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Speaker 4: So it really depends sort of the work that you're

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Speaker 4: doing at the moment, but day to day or more

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Speaker 4: long term, it's more of reading documentation and writing reports

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Speaker 4: and conducting interviews. That's pretty much the three main things.

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Speaker 3: Yeah, wow, and do you like what you do? You

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Speaker 3: said before, this is pretty much what I wanted? Is

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Speaker 3: it what you wanted to do?

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Speaker 4: Yes, it definitely is. The team I'm in is honestly amazing.

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Speaker 4: It's just such a positive work culture there. And sometimes

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Speaker 4: I do feel like an impost just because of how

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Speaker 4: young I am, But I just have to remind myself

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Speaker 4: that my age doesn't really determine my professional value.

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Speaker 2: Yes, one hundred percent, I love that.

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Speaker 4: Yeah, but everyone's super supportive and whatnot. So that's always

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Speaker 4: been really helpful.

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Speaker 2: So good.

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Speaker 3: All right, you said before that you've just bought an apartment.

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Speaker 3: I want to know, though, what is your big money goal? Like,

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Speaker 3: what are we working towards. You're nineteen and have a

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Speaker 3: killer income. Surely you've got big plans.

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Speaker 4: My main money goal at the moment is probably to

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Speaker 4: pay off the mortgage and then by an investment property

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Speaker 4: after that.

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Speaker 3: Wow, And is that so that you can retire early

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Speaker 3: or create financial freedom or like why is an investment

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Speaker 3: property something that you're like, oh my gosh, this is

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Speaker 3: what I want to do next.

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Speaker 4: Honestly, I think it's for financial freedom. Like I never

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Speaker 4: want to be in a position where I have to

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Speaker 4: rely on someone, and I want to be able to

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Speaker 4: be in a place where I can comfortably retire and

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Speaker 4: not worry too much about money. And I feel like

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Speaker 4: buying an investment property might be a good idea.

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Speaker 2: Love, love, love.

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Speaker 3: I want to know next, do you have any investments?

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Speaker 3: If so, what are they?

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Speaker 4: Yes, I do so. I have my super of course,

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Speaker 4: and then I have a couple grand in spaceship, a

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Speaker 4: little bit in crypto, and a few more grand in ETF.

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Speaker 4: So all together I have about fifteen grand not including

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Speaker 4: my super at the moment.

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Speaker 3: Hey, how good is that? And what do your contributions

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Speaker 3: to and that look like? Is that something that you're

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Speaker 3: doing monthly or is it a little bit more sporadic

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Speaker 3: or how are you planning that out?

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Speaker 4: Honestly, I haven't done much contribution in a while, just

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Speaker 4: because I really want to get the mortgage paid off.

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Speaker 4: It is something that I just put a bunch of

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Speaker 4: money into. I think it was maybe one or two

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Speaker 4: years ago, and I've sort of just let it sit

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Speaker 4: there and forget about it.

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Speaker 2: Yeah, oh my gosh, money Diarist.

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Speaker 3: In your letter, you said money's always been really difficult

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Speaker 3: in my family, but my mum has been a model

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Speaker 3: of hard work, which I adore. Can you tell me

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Speaker 3: a little bit more about I guess how supportive your

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Speaker 3: parents are or what they think you do, because I

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Speaker 3: feel like, especially when you mentioned I was born in

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Speaker 3: India and then I moved to England and then to

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Speaker 3: Australia and your mum having been a nurse, I feel

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Speaker 3: like sometimes they don't particularly understand the industry that you

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Speaker 3: might have gone into. What did they think that you

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Speaker 3: get up to.

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Speaker 4: Yeah, so you're actually right there. Don't understand a whole

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Speaker 4: heap about what I do, and when I was looking

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Speaker 4: at like job options, they didn't really have too much

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Speaker 4: to say because they honestly just didn't understand the industry. However,

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Speaker 4: I did explain to them that you don't always need

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Speaker 4: a Uni degree, which I found was kind of hard

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Speaker 4: for them to understand at the start, because they were

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Speaker 4: under the idea that you go to school, you get

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Speaker 4: a UNI degree, and then you work, and me going

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Speaker 4: down this path where they were kind of a little

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Speaker 4: bit confused. But they're both very supportive and they're very

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Speaker 4: happy with where I am at the moment, which I'm

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Speaker 4: extremely grateful for.

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Speaker 2: Of course they are.

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Speaker 3: I'd be insanely proud if you were my daughter, I asked,

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Speaker 3: because I actually have a few girlfriends who are Indian

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Speaker 3: and they feel like Indian parents in particular, they just

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Speaker 3: really want that university level degree. They want you to

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Speaker 3: go out and become a doctor or a lawyer or something.

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Speaker 3: That just really makes a lot of sense because obviously

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Speaker 3: they want the best for their kids growing up.

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Speaker 2: Did you ever feel that pressure a little bit?

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Speaker 4: I wouldn't say a whole heap My parents were always

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Speaker 4: quite open to different ideas, although my mom did try

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Speaker 4: to convince me to become a nurse, although that didn't

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Speaker 4: work out.

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Speaker 3: I mean, she's got experience, it makes sense, it's a

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Speaker 3: good career. Yeah, But during school they sort of knew

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Speaker 3: that I was interested in it, and so I think

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Speaker 3: they sort of understood that I would kind of go

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Speaker 3: down that pathway. Yeah, air pic and moving forward, I

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Speaker 3: want to know a little bit more about I guess

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Speaker 3: life plans. Obviously, you've got career plans, you have an

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Speaker 3: air pick income, What did the next steps in your.

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Speaker 2: Career look like?

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Speaker 3: As well as I guess life because you said before,

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Speaker 3: what my first apartment? I want to, you know, buy

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Speaker 3: an investment property at some point, smash down the mortgage,

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Speaker 3: But like, what does the lifestyle around that look like?

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Speaker 3: Because I feel like you're in this position where the

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Speaker 3: world is your oyster.

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Speaker 2: I guess yeah.

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Speaker 4: So I haven't actually put a whole heap of thought

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Speaker 4: into this. I do know that I'm quite comfortable at

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Speaker 4: the moment, and I'm sort of happy with where I

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Speaker 4: am at the moment, So I haven't actually put a

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Speaker 4: whole heap of thought into future. And what I'm sort

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Speaker 4: of expecting, so I guess I can't comment a whole

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Speaker 4: heap about that.

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Speaker 2: Actually, no, it's so fine.

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Speaker 3: I just love asking those questions because from my perspective,

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Speaker 3: I'm like, oh my gosh, this money direst is so

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Speaker 3: driven and so motivated and clearly so intelligent.

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Speaker 2: I bet she has it all worked out.

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Speaker 3: And I had a sneaky suspicion that you would actually

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Speaker 3: say that, because I was like, everyone has this underlying

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Speaker 3: idea that you might just have everything figured out because

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Speaker 3: you earn a lot of money, and that's not necessarily

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Speaker 3: the case. All right, let's go to a really quick break,

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Speaker 3: and after the break, I want to talk about debt.

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Speaker 3: I want to talk about money habits, but I also

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Speaker 3: want to talk about what it's like to earn more

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Speaker 3: than one hundred grand when you're nineteen, and maybe your

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Speaker 3: friends don't. So don't go anywhere, guys, right, money Darist,

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Speaker 3: We are back, and I'm actually just going to jump

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Speaker 3: straight into the juicy stuff. I'm assuming you've got friends

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Speaker 3: right now who are at university, who are hustling hard,

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Speaker 3: who are probably you know, working after hours while studying

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Speaker 3: full time. What is it like being the friend that

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Speaker 3: is earning six figures while all your other friends are

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Speaker 3: probably still at university and haven't quite caught up yet.

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Speaker 4: That is a very good question. I actually haven't really

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Speaker 4: thought a whole heap about that. Obviously. My friends know

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Speaker 4: what I do for work, and some of them I've

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Speaker 4: told how much I earn. Most of the time they're

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Speaker 4: just like, oh, I wish I didn't go to UNI

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Speaker 4: and I did what you did.

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Speaker 2: I'm thinking that right now too.

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Speaker 4: Yeah, And they're like, oh, I wish I, you know,

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Speaker 4: didn't do this degree and I did sort of like

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Speaker 4: an IT degree and stuff like that. But I do

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Speaker 4: sort of paint a good picture about the industry that

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Speaker 4: I'm in because I think there needs to be more

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Speaker 4: women in this industry. I think that's sort of the

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Speaker 4: main lacking factor, and so I'm always trying to convince

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Speaker 4: my friends to like work with me and whatnot.

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Speaker 2: I love that.

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Speaker 3: Do you think your friends, in any way, shape or form,

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Speaker 3: I guess compare themselves to you, because it must be so.

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Speaker 3: I'm just reflecting on my experience. When I was nineteen,

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Speaker 3: I was at university. I was looking at getting myself

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Speaker 3: in even more personal debt than I currently was. In

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Speaker 3: I was working three part time jobs and studying full time.

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Speaker 3: So if I had a friend like you, I know

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Speaker 3: I would be looking at you going wow, how does

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Speaker 3: she do it?

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Speaker 2: Is she a wizard?

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Speaker 3: Do you think that your friends look at you in

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Speaker 3: a comparison way at all? And if so, like, how

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Speaker 3: do you think you can combat that?

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Speaker 2: I'm not too sure.

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Speaker 4: Like, I'm sure they would at some point, but I

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Speaker 4: always try and remind people that comparison is the thief

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Speaker 4: of joy.

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Speaker 2: Amen.

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Speaker 4: Yes, which I actually always try and keep close to

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Speaker 4: me and remind that to myself.

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Speaker 3: Do you find yourself comparing yourself to other people on

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Speaker 3: a regular basis?

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Speaker 4: Yeah, I do, but I try and remind myself that

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Speaker 4: I shouldn't, and I'm already in a very good position,

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Speaker 4: which I'm extremely grateful for. But sometimes it is hard

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Speaker 4: to not compare yourselves. But yeah, I guess you just

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Speaker 4: have to remind yourself sort of how much you've achieved

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Speaker 4: and how well you're sort of doing, although sometimes it

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Speaker 4: is hard to remind yourself that.

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Speaker 3: That totally makes sense. You mentioned earlier that you've just

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Speaker 3: bought your first apartment. I want to know more about

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Speaker 3: that and the process you went through. Because the next

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Speaker 3: question I've got for you is do you have any debt?

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Speaker 3: And you mentioned a mortgage, So tell me a little

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Speaker 3: bit more about your home buying process.

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Speaker 4: So the main thing I would say about it is

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Speaker 4: that I wish I did a little bit more research.

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Speaker 4: I feel like I kind of jumped in to buying

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Speaker 4: an apartment because I found that it was a good time. Obviously,

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Speaker 4: I wouldn't go back and do anything differently. I'm quite

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Speaker 4: happy with the place I'm in at the moment, but

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Speaker 4: I do wish I spoke to different people and whatnot.

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Speaker 4: But it was pretty smooth, I would say. But I

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Speaker 4: had a mortgage broker who was super nice, and he

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Speaker 4: sort of stepped me through everything, so the process was

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Speaker 4: essentially pretty much seamless.

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Speaker 2: How good.

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Speaker 3: That is exactly what you want when you have a

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Speaker 3: good mortgage broker. So how much debt have you taken on?

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Speaker 2: My friend?

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Speaker 4: So, five hundred and sixty five is what the apartment

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Speaker 4: we bought it at, and currently it's sitting at four

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Speaker 4: hundred and fifty.

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Speaker 3: What that is so good? Didn't you only purchase that recently?

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Speaker 4: Yeah, it's been about six months now. But pretty much

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Speaker 4: all my savings goes into it, So that's why.

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Speaker 3: How good that sounds like an epic habit to have,

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Speaker 3: especially so young. The next question I've got for you,

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Speaker 3: I want to know what do you think your best

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Speaker 3: money habit is?

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Speaker 4: My best money it has to be that I'm very

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Speaker 4: good at saving money and buying stuff on sale, whether

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Speaker 4: it's clothes or groceries, to try and use half price

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Speaker 4: app or use deepop a lot more. For my formal

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Speaker 4: I bought my dress off deep Hop and then after

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Speaker 4: formal I just resold it again because I knew I

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Speaker 4: was never going to wear it, So that probably has

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Speaker 4: to be my best money habit.

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Speaker 3: And on the flip side of that, well, do you

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Speaker 3: think your worst money habit is.

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Speaker 4: My worst money Habit would be that I'm a little

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Speaker 4: bit of an online shopper and I feel like I'm

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Speaker 4: always doing online shopping and trying to find stuff to

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Speaker 4: buy even though I don't need it. But I feel

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Speaker 4: like you can never have too much clothes sometimes. But

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Speaker 4: that's probably my worst habit.

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Speaker 2: I love it.

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Speaker 3: Earlier in our episode, you mentioned that you would give

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Speaker 3: yourself an A minus. Can you talk me through what

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Speaker 3: it would take to get you from an as to

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Speaker 3: an A plus, and do you still think you're an

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Speaker 3: A minus after our chat?

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Speaker 4: I do think I am still an A minus. And

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Speaker 4: what would take me to an A would be putting

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Speaker 4: more money into stocks or something on a regular basis,

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Speaker 4: because that's just something that I've kind of forgotten about.

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Speaker 3: That makes absolute sense. I feel like diversifying is something

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Speaker 3: we need to prioritize. But my friend, you were in

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Speaker 3: the first year of your mortgage. It is important to

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Speaker 3: make sure that that is the priority and that you

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Speaker 3: are really comfortable. And you're only nineteen, so you have

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Speaker 3: heaps of time ahead of you. Money Diarist, I have

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Speaker 3: had such a good time having a chat with you.

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Speaker 2: I feel like.

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Speaker 3: Knowing that you're nineteen and earning six figures don't have

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Speaker 3: a university degree is actually really really inspiring. So before

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Speaker 3: we go, I want to know if people are listening

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Speaker 3: to this and the either aren't happy in their career

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Speaker 3: and they've gone, oh my gosh, money Diarist sounds like

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Speaker 3: she is having an epic time over in cybers security.

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Speaker 3: What would you say about getting into the industry, Like,

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Speaker 3: where would we start if we wanted to follow in

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Speaker 3: your footsteps.

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Speaker 4: I would definitely say start by looking at seek, and indeed,

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Speaker 4: I feel like there's people always hiring, and even though

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Speaker 4: you might think you're not suitable for it, apply for

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Speaker 4: it anyways. You never know, and even if you don't

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Speaker 4: get it, you've still been networking with someone and that

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00:20:24,760 --> 00:20:25,960
Speaker 4: always has benefits.

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Speaker 2: I love that.

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Speaker 3: I feel like that's such a smart place to be.

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Speaker 3: I was talking on TikTok the other day, Money Diarist,

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Speaker 3: just put your hat in the ring and give it

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Speaker 3: a go, because what's the worst.

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Speaker 2: Thing they could say.

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Speaker 3: They just say no, And what do you get out

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Speaker 3: of it a good experience and maybe a network. You

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Speaker 3: are so right, agreed, Money Diarist. It has been a pleasure.

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Speaker 3: Thank you so much for sharing your money story with us.

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Speaker 3: And I know the community is going to eat this

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Speaker 3: one up, so thank you so much for joining us.

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Speaker 4: Thank you so much for having me here.

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Speaker 3: Advice shared on She's on the Money is general in

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00:21:02,160 --> 00:21:05,920
Speaker 3: nature and does not consider your individual circumstances. She's on

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00:21:06,000 --> 00:21:09,479
Speaker 3: the Money exists purely for educational purposes and should not

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00:21:09,520 --> 00:21:12,520
Speaker 3: be relied upon to make an investment or financial decision.

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00:21:12,920 --> 00:21:15,160
Speaker 2: If you do choose to buy a financial.

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00:21:14,720 --> 00:21:18,720
Speaker 3: Product, read the PDS TMD and obtain appropriate financial.

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00:21:18,280 --> 00:21:20,080
Speaker 2: Advice tailored towards your needs.

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Speaker 3: Victoria Divine and She's on the Money are authorized representatives

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Speaker 3: of money. Sheper pty Ltd ABN three two one six

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00:21:28,640 --> 00:21:32,520
Speaker 3: four nine two seven seven zero eight AFSL four five

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Speaker 3: one two eight nine