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Speaker 1: Just before we get started, we'd like to acknowledge and

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Speaker 1: pay respect to Australia's Aboriginal and torrest Right Islander people's.

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Speaker 1: They're the traditional custodians of the lands, the waterways and

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Speaker 1: the skies all across Australia. We thank you for sharing

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Speaker 1: and caring for the land on which we are able

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Speaker 1: to learn. We pay respects to elders past and present,

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Speaker 1: and we share our friendship and our kindness.

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Speaker 2: She's on the Money, She's on the Money.

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

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Speaker 3: Millennials who Want Financial Freedom. Welcome back to another shot

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Speaker 3: back Money Diary Monday, where we chat.

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Speaker 4: To a beautiful community member.

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Speaker 3: We learn their story, their insights, and we kind of

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Speaker 3: just get to hear a little bit about some one

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Speaker 3: who might be living their life differently to us, or

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Speaker 3: maybe it's the same.

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Speaker 4: Maybe you're going to relate. I don't know, because I

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Speaker 4: don't know. Victoria. This week's story.

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Speaker 1: Haha, it is me again coming in solo and just

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Speaker 1: like telling you what's going to happen. It was actually

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Speaker 1: very funny this week guys, because Jess messaged me and

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Speaker 1: she's like, oh, like, have we be organized anybody for

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Speaker 1: Money direst and I was like, oh, yes, I completely

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Speaker 1: forgot to tell you. I've had this booked in for

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Speaker 1: a few days now, and our Money Diarist, I'm just

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Speaker 1: going to go out on a whim here. We're Instagram friends.

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Speaker 1: We've never met, but we converse in my DM's a

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Speaker 1: fair bit. We have a chat. She's on the same

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Speaker 1: page as me. I feel like she always replies about

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Speaker 1: my food memes or my pet memes, and like she's

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Speaker 1: just my people, you know. So Jess. The other day,

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Speaker 1: this Money Diarist sent me a gorgeous DM and literally

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Speaker 1: made me tear up, which apparently is not that hard

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Speaker 1: to do these days, but this one was really moving.

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Speaker 1: And I'm going to read you the DM before we

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Speaker 1: have a chat to her. So it said, Victoria, I

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Speaker 1: just wanted to personally thank you for keeping me motivated

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Speaker 1: while on my own money journey. I found shees on

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Speaker 1: The Money when it was still in its first season,

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Speaker 1: and I knew I needed to get my finances back

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Speaker 1: in order. Back then, my husband and I had eighty

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Speaker 1: thousand dollars in personal debt and a two hundred and

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Speaker 1: thirty four thousand dollar mortgage. We're on a good wage

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Speaker 1: and still living week to week. I knew something had

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Speaker 1: to give. Two years on and a lot has changed.

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Speaker 1: We are totally consumer debt free, and we now also

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Speaker 1: only owed two hundred and eight thousand dollars on our mortgage.

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Speaker 1: It hasn't always been smooth sailing, though, as eighteen months

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Speaker 1: ago I was involved in a workplace accident where I

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Speaker 1: had my back broken. I've been on workers' compensation ever since,

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Speaker 1: and now it's to the point where I'm about to

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Speaker 1: lose my six figure salary. I'm only twenty nine, so

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Speaker 1: I knew I needed to do something to keep myself employable.

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Speaker 1: Then in brackets, she says, as there's been no help

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Speaker 1: from any insurance company. So last semester I enrolled to

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Speaker 1: do a bridging course to get into UNI. I worked

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Speaker 1: incredibly hard and quote this is very Jessica Ricci manifested

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Speaker 1: good grades in the hope of getting a scholarship. I

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Speaker 1: got an ATAR equivalent of ninety three, which is massive, guys.

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Speaker 1: With this my newfound love of personal finance, I decided

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Speaker 1: to go on in enroll in a double degree doing

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Speaker 1: business and commerce, with the aim of one day also

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Speaker 1: becoming a financial planner. Well, I have news. I've just

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Speaker 1: started week four of my double degree and I've just

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Speaker 1: received the news that the Financial Planning Association has granted

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Speaker 1: me their Women in Finance Scholarship, Hard Work Manifestation or both.

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Speaker 1: This is the biggest money win ever and I just

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Speaker 1: wanted to share it with you. Thanks so much for

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Speaker 1: keeping me motivated and for helping me unlock a passion

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Speaker 1: for finance. Yes, that's why she's on the show and

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Speaker 1: money diarist. Welcome to she's on the money.

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Speaker 5: Thank you, Thank you so much for having me.

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Speaker 1: Oh my gosh, I was so grateful to get that message.

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Speaker 1: It just makes my heart sing when people are getting

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Speaker 1: out of consumer debt but also finding their passion, and

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Speaker 1: that message was everything. But then the added complexity of

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Speaker 1: you being on workers compensation. I was like, oh my gosh,

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Speaker 1: this is a diary we have to hear. And it

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Speaker 1: was quite literally typing out, hey like, if you've ever

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Speaker 1: thought about doing a money diary, let me know, And

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Speaker 1: you said, if you ever want a diarist, let me know.

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Speaker 1: I was like, come on down, I will book you in,

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Speaker 1: I will clear the decks. When can you record? Because

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Speaker 1: it's just genuinely such a beautiful story that I want

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Speaker 1: to share with everybody because one you're killing it, but

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Speaker 1: two we want to know the pervy details and money dirests.

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Speaker 1: I don't think we've ever spoken to someone on workers

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Speaker 1: comp but it's something that is actually sadly very common,

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Speaker 1: but also fraught with a lot of worry and you know,

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Speaker 1: not knowing what's going to happen next, and potentially insurance

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Speaker 1: issues that are going on because you did mention you

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Speaker 1: didn't have insurance. But can we get into it so

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Speaker 1: that we can get to the juicy part of Yeah, definitely,

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Speaker 1: Oh my gosh, money diarist. First question off the bat

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Speaker 1: is can you tell us a little bit about your

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Speaker 1: money story.

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Speaker 5: Yeah. So I was raised by a single mum. My

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Speaker 5: parents broke up before I was born, and then unfortunately,

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Speaker 5: my father passed away when I was also very young.

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Speaker 5: So my mom totally did it on her own. She

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Speaker 5: is an absolute power woman. She's insane. Growing up, we

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Speaker 5: always kind of lived in our own house. Mom was

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Speaker 5: into her property investing, even if that meant, you know,

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Speaker 5: making sacrifices elsewhere a queen.

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Speaker 1: Yeah, so investing in property.

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Speaker 5: Yeah, I know. But other than that, I think there

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Speaker 5: was a lot of encouragement, I would say to save money.

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Speaker 5: In saying that money was a topic that was never

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Speaker 5: really spoken about. I vividly remember, you know, asking her

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Speaker 5: when I was probably about eight, you know, what certain

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Speaker 5: things would cost, and what would a house cost, and

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Speaker 5: this and that, and she pretty much sushed me and said,

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Speaker 5: why are you so obsessed with money? You don't talk

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Speaker 5: about that, blah blah blah, and oh. So it was

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Speaker 5: one of those things that yeah, I never Yeah, it

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Speaker 5: was just a topic I never really got to speak

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Speaker 5: too much about. But I did, you know, have that

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Speaker 5: habit of saving money that was up until I moved

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Speaker 5: out and realized what everything actually costs. I was also

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Speaker 5: on a low income when I moved out, and think

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Speaker 5: he's got a little bit out of control.

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Speaker 1: Oh, really somewhat, Yeah, what do you mean out of control?

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Speaker 5: Well, I was pretty good until it's just going to

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Speaker 5: sound really bad, and I don't mean it in a

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Speaker 5: bad way towards my husband, But when we combined finances,

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Speaker 5: we were very separate people or different people. So he

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Speaker 5: was a bit of a spender and I was a saver.

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Speaker 5: And because we had then joint funds, I didn't feel

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Speaker 5: like I had a right to tell him not to

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Speaker 5: spend on certain things. So I kind of let it go.

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Speaker 5: And then one credit card ended up into two credit cards,

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Speaker 5: which then ended up into three, so and.

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Speaker 1: It just keeps rolling. I actually think that that's more

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Speaker 1: common than we think it is. A lot of people

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Speaker 1: end up combining finances and it could be your situation

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Speaker 1: where you didn't want to tell your partner like not

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Speaker 1: to spend it, or people get into relationships combine finances

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Speaker 1: and then kind of breed this massive sigh of a

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Speaker 1: relief and go, I don't have to worry about it

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Speaker 1: anymore because it's all combined. And so they just don't

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Speaker 1: track their spending anymore. And it's snowballs. Like I've said

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Speaker 1: it before on the show, nobody gets into debt on purpose,

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Speaker 1: and I guarantee it you wouldn't have been in that situation.

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Speaker 1: It just kind of snowballs over time, and you stick

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Speaker 1: your head in the sand and one thing leads to

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Speaker 1: another and eighty grand in debt and you just don't

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Speaker 1: know where it's all.

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Speaker 5: Right, yeah, exactly. And the thing is, you know, the

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Speaker 5: first credit card, it had a ten thousand dollar limit,

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Speaker 5: and then he tried to roll it over to another

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Speaker 5: bank to get the interest free thing.

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Speaker 1: Very common.

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Speaker 5: Yeah, they would only cover six thousand, so they then

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Speaker 5: gave him a six thousand credit card, and I didn't

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Speaker 5: realize because I suppose communication around money also wasn't probably

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Speaker 5: where it needed to be, and so that sixteen thousand

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Speaker 5: ended up being sixteen thousand maxed out between two credit

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Speaker 5: cards rather than paying the other four grand down on

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Speaker 5: the other one and then closing it. But then on

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Speaker 5: top of that, we then also both ended up with.

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Speaker 1: A car loan out out.

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Speaker 5: So yeah, lifestyle creep got us when we started to

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Speaker 5: earn more money, got you really good? Hey, it's did

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Speaker 5: all right, Let's.

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Speaker 1: Move into the next questions because I have so many questions,

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Speaker 1: but I know woman to leave the part to the end.

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Speaker 1: My friend, what do you do for work now? And

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Speaker 1: how much money do you earn?

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Speaker 5: So when I got hurt, I was in the mining

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Speaker 5: industry as a truck driver. I was on a permanent wage,

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Speaker 5: so I was on salary of one hundred and twelve grand,

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Speaker 5: and that also had a ten percent super and ten

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Speaker 5: percent bonus every year, so the total was about one

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Speaker 5: hundred and thirty seven thousand.

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Speaker 1: Oh my gosh, to do mining and truck driving. That

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Speaker 1: is epic. I've always known that mining have really good salaries.

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Speaker 5: Yes, and to work only six months out of the

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Speaker 5: year technically was what.

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Speaker 2: That is?

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Speaker 1: Genius? No wonder so many people want that.

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Speaker 5: Oh, definitely, Yeah. I was doing one week on, one

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Speaker 5: week off. Oh, and making the.

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Speaker 1: Actual dream and making absolute bank like you arguably would

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Speaker 1: have been making way more than what our community makes

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Speaker 1: on average. And you're working half as hard. Come on now,

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Speaker 1: not pretty much. You're probably working just as hard during

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Speaker 1: that period of time.

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Speaker 5: But oh my gosh, when I'm there, Yes, the lifestyle, yep,

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Speaker 5: it was great. It was like I was a full

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Speaker 5: time worker but also a full time mom, like stay

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Speaker 5: at home mum.

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Speaker 1: I like that for you, it was so good, the best.

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Speaker 1: But you did mention in passing that you are currently

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Speaker 1: on workers' compensation. How much does that pay and how

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Speaker 1: does that work?

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Speaker 5: So I'm still in the middle of it yet. So

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Speaker 5: at the moment, my employer is still paying me, although

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Speaker 5: it is less than before, so I don't have an

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Speaker 5: actual salary figure to compare it to, but there is

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Speaker 5: a four hundred and fifty dollars difference every fortnight after

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Speaker 5: tax that hits my account. That will change very soon

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Speaker 5: again though, because they are trying their darndaest to fire me,

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Speaker 5: which apparently is perfectly illegal.

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Speaker 3: Really.

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Speaker 5: Yes, and my new salary, once the insurance company picks

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Speaker 5: it up, will be a whopping twenty six thousand dollars

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Speaker 5: per annum.

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Speaker 1: Oh my gosh. Yeah, and you mentioned before that you're

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Speaker 1: a mum. We hadn't talked about that yet, but that

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Speaker 1: is a significant difference when you're supporting a family, like huge,

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Speaker 1: significant difference for anybody, but like you've got the responsibility

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Speaker 1: of small humans on top of all of that. You

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Speaker 1: must be so stressed, my friend.

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Speaker 5: It has been the darkest time of my life.

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Speaker 1: I'm so sorry.

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Speaker 5: It's okay. I just think that's why it's really important

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Speaker 5: to speak about because you know, you mentioned before me

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Speaker 5: that it is quite common, and it really is. You know,

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Speaker 5: I'm one of four people that I know wow, and

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Speaker 5: I'm yeah, I'm sure there is plenty others that I

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Speaker 5: don't know about. And that's just in my workplace alone.

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Speaker 1: Oh, I'm so sorry. I'm going to get into asking

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Speaker 1: more questions about this after because they do try to

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Speaker 1: stick to it. But yeah, oh, let's come back to

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Speaker 1: that hot minute. Next question, my friend, just what's currently

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Speaker 1: your big money goal.

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Speaker 5: So my husband and I really want to get out

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Speaker 5: of the town that we're in. So we are living

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Speaker 5: and owning at home with a mortgage in the mining

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Speaker 5: town that I was working in. He and I both

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Speaker 5: have different goals now that we won't really be able

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Speaker 5: to achieve here anyway, so we want to move into

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Speaker 5: a bit closer to the city. So the next big

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Speaker 5: money goal would be trying to buy a house closer

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Speaker 5: to the city. But to do that, we are looking

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Speaker 5: at a mortgage. It's probably going to be at least

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Speaker 5: three times the size of our current mortgage. That's even

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Speaker 5: after the nice deposit that we'll have once we sell

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Speaker 5: this place. So I'm trying to save up as much

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Speaker 5: money as i can while I am still on that

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Speaker 5: nicer income because I would like to pay for you know,

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Speaker 5: stamp duty and everything out of pocket. I don't want

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Speaker 5: to have that in the mortgage, So just try to

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Speaker 5: save all those fees while I'm still doing a bit

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Speaker 5: of market research and shopping around trying to find different

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Speaker 5: locations with prices that I'm comfortable with.

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Speaker 1: Fair call fair coal. All right, Next question is do

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Speaker 1: you currently have any investments.

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Speaker 5: I do, so if you ask me this question two

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Speaker 5: weeks ago, I would have said I had eighty thousand

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Speaker 5: dollars in super that's currently sitting at seventy seven four hundred.

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Speaker 5: But I'm not too worried. That's why.

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Speaker 1: That's yeah, right, These things fluctuate over time.

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Speaker 5: Exactly, and I'm still young. I've got heaps of time.

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Speaker 5: On top of that, I have one thousand dollars in spaceship.

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Speaker 5: I do still salary sacrifice one hundred and fifty dollars

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Speaker 5: into souper every fortnight. And I do own an investment

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Speaker 5: property with my mom and we own that outright.

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Speaker 1: Oh my gosh, you're a queen. Check you out. Single

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Speaker 1: mom now owns an investment property with her daughter. Is

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Speaker 1: she insanely proud of what she's done?

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Speaker 5: Yes, definitely. She still owns between my stepdad and her,

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Speaker 5: she owns four, but she has her name on three.

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Speaker 1: Need money diary what I'm gonna get to her later. Yeah,

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Speaker 1: we're going to move on to the next question though,

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Speaker 1: money diars. This one's an exciting one. Do you have

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Speaker 1: any debts?

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Speaker 5: Yes, I do. I currently have a mortgage of two

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Speaker 5: hundred and eight thousand.

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Speaker 1: But that's it, isn't it.

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Speaker 4: That is it?

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Speaker 1: There is no consumer debt, There are no credit cards,

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Speaker 1: there are no personal loans, there is nothing. You just

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Speaker 1: have good debt. Isn't that exciety?

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Speaker 5: That is it? And I did just have a five

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Speaker 5: thousand dollars HEX bill, but that's about to get wiped,

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Speaker 5: so that's not even a debt.

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Speaker 1: Gosh, you're not even gonna have hex anymore.

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Speaker 5: Nope. Oh my gosh.

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Speaker 1: I know you're going through a lot of stress. And

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Speaker 1: you were saying before it's super dark, and I totally

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Speaker 1: get that, but holy moly, a lot of people would

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Speaker 1: dream to be in a similar position when it comes

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Speaker 1: to not being in debt and you know, finally getting

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Speaker 1: out of hex and oh, I'm like, I'm so proud

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Speaker 1: of you at the same time as going, oh my gosh,

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Speaker 1: how do we help you make sure this is all?

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Speaker 2: I know?

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Speaker 5: I find I feel a little bit guilty sometimes too

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Speaker 5: when I do feel down about my situation, because I

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Speaker 5: know that there really is a lot of privilege there

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Speaker 5: and I am still lucky to have what I have,

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Speaker 5: especially at this young age. So I'm losing a lot,

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Speaker 5: but I already have a lot as well. It's kind

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Speaker 5: of like a yeah yo yo effect with my own

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Speaker 5: emotions about.

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Speaker 1: It's such an interesting space to be in at the moment,

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Speaker 1: and I feel like, you know, cancel culture on social

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Speaker 1: media and the pressure that we're all under to make

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Speaker 1: sure that we're acknowledging our privilege always, which I think

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Speaker 1: is really important, but also seeing what's going on in

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Speaker 1: the media often makes you feel even more guilty for

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Speaker 1: feeling bad about a situation that you're in. And I

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Speaker 1: think now is a really good time to remind you that,

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Speaker 1: you know, just because you're going through something doesn't mean

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Speaker 1: you have to go, oh my god, but somebody else

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Speaker 1: has it worse. You're right, there is always going to

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Speaker 1: be someone who has it worse, absolutely, but that doesn't

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Speaker 1: invalidate that we are going through something that is traumatic

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Speaker 1: or upsetting or you know, not what we want to

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Speaker 1: go through ourselves. And I think so quickly we put

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Speaker 1: so much pressure on ourselves, which then translates into guilt

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Speaker 1: and feeling like trash about a situation because you're like,

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Speaker 1: oh my god, like I feel so bad, and you

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Speaker 1: genuinely would be so stressed about losing your income, and

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Speaker 1: I'm sure there are people thinking, you know, listening to this, going,

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Speaker 1: oh what she worried about? Like she's fine, Like she's

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Speaker 1: going to lose her income, big whoop, and like that's

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Speaker 1: not the point. The point is your situation is dramatically

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Speaker 1: going to change. You've worked your butt off to get

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Speaker 1: to exactly where you are, and you absolutely deserve it,

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Speaker 1: and the right thing is not being done by you

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Speaker 1: right now, by an employer who should arguably be looking

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Speaker 1: after you. And I think that that shouldn't be downplayed,

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Speaker 1: Like just because you're right, somebody else has it worse,

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Speaker 1: and somebody else is still in debt, and somebody else

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Speaker 1: is going through something that you know, we would never

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Speaker 1: wish upon anybody. It doesn't invalidate the fact that your

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Speaker 1: situation is emotionally draining and hard and a challenge. And

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Speaker 1: I just think that whatever you're going through, stop downplaying

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Speaker 1: the fact that it's you know, oh, it's not so bad.

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Speaker 1: Somebody else has it worse, Like you can have those

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Speaker 1: upset times, like, don't not be upset because somebody has

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Speaker 1: it worse. That just makes us feel guilty and it

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Speaker 1: doesn't help anybody grow.

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Speaker 5: Yeah, you're so right, and thank you so much for

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Speaker 5: saying that. I suppose a lot of my frustration comes

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Speaker 5: from the fact that I didn't ask for this, and

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Speaker 5: I also didn't hurt myself. Somebody else hurt me. Oh so, yeah,

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Speaker 5: it's been very difficult, very frustrating. Yeah, I've gone through

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Speaker 5: the motions, I think. To be honest, I think I've

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Speaker 5: gone through grief and.

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Speaker 1: Are going through grief. That's exactly what it is.

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Speaker 5: Yeah, I totally have been grieving my past life, or

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Speaker 5: at least life how it was, and knowing that the

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Speaker 5: person who did this to me can live as normal.

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Speaker 5: They don't lose anything, they didn't even get in trouble.

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Speaker 5: In fact, they didn't even know that they had hurt

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Speaker 5: me until months later.

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Speaker 4: Oh my god.

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Speaker 1: Oh okay, I'm going to ask you about that later

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Speaker 1: because I feel like that's a really deep conversation to

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Speaker 1: have and I really want to understand the semantics of that.

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Speaker 5: But yeah, oh I'm.

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Speaker 1: So sorry, my friend. That sounds that sounds hit.

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Speaker 5: It's been horrific, and that is an understatement. Oh my love.

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Speaker 1: All right, I have to ask the next money question.

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Speaker 1: The next money question, my friend, is, in light of

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Speaker 1: all that negativity, what's your best money habit?

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Speaker 5: My best money habit is shopping around for the best deal, Yes, queen,

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Speaker 5: So I don't care if something takes me three days,

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Speaker 5: three weeks. I will buy something at the cheapest possible

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Speaker 5: price for the highest possible quality.

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Speaker 1: Oh my gosh, I adore that. I feel like that

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Speaker 1: is so me as well.

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Speaker 5: Yeah, especially now that I have so much time at home.

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Speaker 5: I mean not so much now I'm doing UNI, but yeah,

368
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Speaker 5: I shop around and that includes utilities, items, clothing, everything.

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Speaker 1: Oh my gosh, I love that. What's the most recent

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00:20:01,800 --> 00:20:02,960
Speaker 1: money when you had.

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Speaker 5: Other than my scholarshipy lifestyle and a scholarship most recent

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00:20:10,160 --> 00:20:14,840
Speaker 5: I haven't done it yet, but I've been looking through

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Speaker 5: car insurance at the moment because my renewal has just

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00:20:20,040 --> 00:20:23,879
Speaker 5: come and it has just gone through the roof. So

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Speaker 5: who I'm with now to who I'm possibly going to,

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Speaker 5: there'll be a fifty dollars savings each month, Oh each month,

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Speaker 5: each month.

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Speaker 1: That's a money win for sure, legend. I love that.

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Speaker 1: To counteract this, what are you bad at? What's the

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Speaker 1: worst money habit you have?

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Speaker 5: Worst one would be playing iou with myself, So every

382
00:20:47,640 --> 00:20:51,800
Speaker 5: so often I'll take from one account to use it elsewhere.

383
00:20:51,840 --> 00:20:55,240
Speaker 5: But in saying that, it is very controlled. As soon

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Speaker 5: as I move anything, it's written down and it goes

385
00:20:58,040 --> 00:21:01,000
Speaker 5: back next pay out of you know, the bucket that

386
00:21:01,000 --> 00:21:03,880
Speaker 5: that was supposed to come from. So I'm pretty much

387
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Speaker 5: playing after pay with myself, and I'm totally okay with that.

388
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Speaker 3: Rather you play after pay with yourself than play after

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Speaker 3: pay with actual after pay so exactly.

390
00:21:14,720 --> 00:21:17,000
Speaker 1: Oh my god, yes, I feel like that's such a

391
00:21:17,040 --> 00:21:19,320
Speaker 1: cool thing as well, to be able to play after

392
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Speaker 1: pay with yourself. Like you said, that's a bad habit,

393
00:21:22,320 --> 00:21:24,480
Speaker 1: but the fact that you're you know, maybe dipping into

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Speaker 1: some savings or something that was allocated for something else,

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Speaker 1: but doing an iou nah, that's responsible. That's a good

396
00:21:31,600 --> 00:21:34,040
Speaker 1: money habit because a lot of people would just dip

397
00:21:34,080 --> 00:21:36,240
Speaker 1: in and be like, let's pretend it didn't happen.

398
00:21:36,880 --> 00:21:39,920
Speaker 5: Yeah no. But every time I do it, I kind

399
00:21:39,920 --> 00:21:42,760
Speaker 5: of think to myself, Oh, maybe I should redo the budget.

400
00:21:43,080 --> 00:21:45,560
Speaker 5: Maybe this is something I should have budgeted for. So

401
00:21:45,600 --> 00:21:47,560
Speaker 5: I do write that down as well, and I am

402
00:21:47,600 --> 00:21:49,720
Speaker 5: at the point where I need to go back through

403
00:21:49,760 --> 00:21:53,320
Speaker 5: and redo the budget, especially now that my wage is

404
00:21:53,359 --> 00:21:55,080
Speaker 5: going to drop again very soon.

405
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Speaker 1: I'm glad that you're thinking about that though, you're not

406
00:21:58,040 --> 00:21:59,639
Speaker 1: just burying your head in the sand. I need to

407
00:21:59,680 --> 00:22:03,040
Speaker 1: find it new catchphrase, jes Let's work on that after

408
00:22:03,080 --> 00:22:05,080
Speaker 1: the show, because bury your head in the sand is

409
00:22:05,119 --> 00:22:09,440
Speaker 1: getting really old after four seasons. But I do genuinely

410
00:22:09,480 --> 00:22:11,560
Speaker 1: think that that's really empowering to hear that you are

411
00:22:11,640 --> 00:22:13,040
Speaker 1: on top of your budget and you're like, you know what,

412
00:22:13,080 --> 00:22:14,959
Speaker 1: we're going to have to rework this and be on

413
00:22:15,000 --> 00:22:18,320
Speaker 1: top of it, because so many people would actually end

414
00:22:18,480 --> 00:22:21,520
Speaker 1: up in consumer debt after this situation because they would

415
00:22:21,600 --> 00:22:23,199
Speaker 1: just go, all right, well, I'm going to continue to

416
00:22:23,200 --> 00:22:26,560
Speaker 1: live the same lifestyle with the same spending habits when

417
00:22:26,600 --> 00:22:29,280
Speaker 1: I had a higher income. And I've seen it a

418
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Speaker 1: lot of times from a lot of people because they

419
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Speaker 1: just weren't ready to deal with it, and it was

420
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Speaker 1: I get it. You might not be ready, but you

421
00:22:37,359 --> 00:22:40,119
Speaker 1: kind of have to force yourself into being ready because

422
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Speaker 1: you're not choosing when your income's changing.

423
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Speaker 5: My friends, No, And something that keeps playing on my

424
00:22:45,720 --> 00:22:52,840
Speaker 5: mind is I started this finance journey six months before

425
00:22:52,840 --> 00:22:56,520
Speaker 5: I got hurt, and back then I was thinking to myself,

426
00:22:57,240 --> 00:23:01,639
Speaker 5: what happens if, for some reason, I end up on

427
00:23:01,680 --> 00:23:04,879
Speaker 5: a forty K wage again, like I used to be on,

428
00:23:05,760 --> 00:23:09,280
Speaker 5: I can't maintain our lifestyle, especially with all of the

429
00:23:09,320 --> 00:23:13,160
Speaker 5: bills when we were so deep in that consumer debt

430
00:23:13,200 --> 00:23:16,560
Speaker 5: as well as mortgage and normal bills and everything else

431
00:23:16,560 --> 00:23:19,359
Speaker 5: that comes with owning a house. So it was nearly

432
00:23:19,400 --> 00:23:22,480
Speaker 5: like something was telling me that I needed to sort

433
00:23:22,520 --> 00:23:25,600
Speaker 5: it out because something was coming. And I'm just so

434
00:23:25,720 --> 00:23:30,960
Speaker 5: grateful and so thankful towards myself for actually getting all

435
00:23:31,000 --> 00:23:35,320
Speaker 5: that done before I did lose my wage, because otherwise

436
00:23:36,320 --> 00:23:38,560
Speaker 5: the bills would have stacked up and so would of

437
00:23:38,600 --> 00:23:38,960
Speaker 5: the debt.

438
00:23:39,320 --> 00:23:43,160
Speaker 1: So I'm so proud of you. I'm so proud.

439
00:23:43,240 --> 00:23:45,520
Speaker 5: Even though I'm losing my wage, I still know that

440
00:23:45,520 --> 00:23:48,199
Speaker 5: we're going to be okay, and we will still be

441
00:23:48,240 --> 00:23:52,639
Speaker 5: able to put some savings aside while I'm on that

442
00:23:52,760 --> 00:23:53,200
Speaker 5: as well.

443
00:23:53,400 --> 00:23:56,000
Speaker 1: Okay, that's a good position to be in. But it

444
00:23:56,040 --> 00:23:58,719
Speaker 1: breaks my heart that you've been working so hard and

445
00:23:58,760 --> 00:24:03,400
Speaker 1: sacrificing so much much to not be looked after. Like, honestly,

446
00:24:04,320 --> 00:24:07,040
Speaker 1: it's frustrating me beyond belief. I can't tell you the

447
00:24:07,080 --> 00:24:09,560
Speaker 1: gripe I have right now. I want to be asking

448
00:24:09,640 --> 00:24:11,399
Speaker 1: who your employee is, and I want to talk to them.

449
00:24:11,480 --> 00:24:13,040
Speaker 1: I want to like run up to them and be like,

450
00:24:13,080 --> 00:24:15,400
Speaker 1: excuse me, do you know what she's on? The money

451
00:24:15,440 --> 00:24:17,760
Speaker 1: could do if we talked about this, But that's not

452
00:24:17,800 --> 00:24:20,040
Speaker 1: what we should do. That's not the right thing, Victoria.

453
00:24:20,160 --> 00:24:22,159
Speaker 5: And you would die if I told you who my

454
00:24:22,240 --> 00:24:24,800
Speaker 5: employer was, because they are worldwide known.

455
00:24:25,400 --> 00:24:27,520
Speaker 1: I am going to ask you when we're not recording

456
00:24:27,520 --> 00:24:31,120
Speaker 1: a podcast, my friend, all right, speaking about money habits

457
00:24:31,119 --> 00:24:33,960
Speaker 1: money diarist, I have to ask you. I know you're

458
00:24:34,000 --> 00:24:38,200
Speaker 1: really good at finding a bargain, but do you use shopback?

459
00:24:38,640 --> 00:24:40,040
Speaker 5: I do use shop back?

460
00:24:40,240 --> 00:24:40,960
Speaker 1: Of course she does.

461
00:24:41,080 --> 00:24:41,359
Speaker 4: Jess.

462
00:24:41,359 --> 00:24:45,760
Speaker 5: Of course she does, yes, but only when that is

463
00:24:45,800 --> 00:24:47,240
Speaker 5: the best deal that's out there.

464
00:24:48,200 --> 00:24:51,320
Speaker 1: So are you saying you're finding better deals?

465
00:24:51,600 --> 00:24:52,560
Speaker 5: Yeah? Sometimes?

466
00:24:52,800 --> 00:24:54,480
Speaker 1: Oh my god, tell us how.

467
00:24:55,119 --> 00:24:58,879
Speaker 5: Being a UNI student, I have access to UNI Days.

468
00:24:59,359 --> 00:25:01,800
Speaker 1: Oh that's a good one, and I don't get access

469
00:25:01,840 --> 00:25:03,240
Speaker 1: to that I'm envs.

470
00:25:03,440 --> 00:25:06,480
Speaker 5: Yeah, it's pretty good. But on top of that, I

471
00:25:06,640 --> 00:25:09,919
Speaker 5: just kind of get online on Google, and I like

472
00:25:10,040 --> 00:25:13,800
Speaker 5: to Google, you know, say, if I'm shopping at Meyer

473
00:25:14,880 --> 00:25:18,720
Speaker 5: or somewhere random, I'll just type in the company and

474
00:25:18,920 --> 00:25:22,040
Speaker 5: discount code, and sometimes Google comes up with ones that

475
00:25:22,640 --> 00:25:23,359
Speaker 5: I can use.

476
00:25:23,600 --> 00:25:24,800
Speaker 1: Oh my god, so good.

477
00:25:25,280 --> 00:25:27,920
Speaker 5: Yeah, Or if it's a brand, say like Moody Body

478
00:25:28,040 --> 00:25:32,879
Speaker 5: for example, that influencers tend to promote. I just go

479
00:25:32,960 --> 00:25:35,840
Speaker 5: to their tagged Instagram and try to find a discount.

480
00:25:36,760 --> 00:25:40,399
Speaker 1: Oh my god, that is a genius hack. But money Diarist,

481
00:25:40,680 --> 00:25:43,400
Speaker 1: you know you can use discount codes with shot back, right,

482
00:25:43,480 --> 00:25:45,679
Speaker 1: so you can like double whammy them together.

483
00:25:45,760 --> 00:25:48,439
Speaker 5: I did not know that. What are you doing?

484
00:25:48,800 --> 00:25:49,680
Speaker 4: Oh my goodness.

485
00:25:50,240 --> 00:25:53,000
Speaker 1: So I turned shop back on and then it check out.

486
00:25:53,040 --> 00:25:55,480
Speaker 1: You can put your little discount code in. I mean

487
00:25:55,560 --> 00:25:58,360
Speaker 1: sometimes it might go invalid and you'll be like, oh,

488
00:25:58,560 --> 00:26:01,000
Speaker 1: getting the bin and then pick which works best for you.

489
00:26:01,200 --> 00:26:01,440
Speaker 5: Yeah.

490
00:26:01,480 --> 00:26:04,640
Speaker 1: But I have actually shot back so many times when

491
00:26:04,680 --> 00:26:06,399
Speaker 1: I've like signed up to a website. Because this is

492
00:26:06,440 --> 00:26:08,639
Speaker 1: also me being cheeky, Like if I want to buy something,

493
00:26:08,840 --> 00:26:11,359
Speaker 1: I will check the website, and nine times out of ten,

494
00:26:11,680 --> 00:26:14,359
Speaker 1: if it's a bigger retailer, they will have like a

495
00:26:14,560 --> 00:26:17,040
Speaker 1: sign up to our edm to get ten percent off

496
00:26:17,040 --> 00:26:19,840
Speaker 1: your first order. I can tell you right now that works.

497
00:26:19,840 --> 00:26:21,320
Speaker 1: We shot back, so you get both.

498
00:26:22,000 --> 00:26:23,960
Speaker 5: That's a good tip because I do that too, and

499
00:26:24,000 --> 00:26:27,320
Speaker 5: I just changed my email every time. Haha.

500
00:26:27,520 --> 00:26:29,200
Speaker 1: You're way more committed than I am.

501
00:26:30,320 --> 00:26:32,960
Speaker 5: I like a bargain. I don't like paying full price

502
00:26:33,000 --> 00:26:34,240
Speaker 5: for anything.

503
00:26:34,320 --> 00:26:38,639
Speaker 1: That is so fair. But last question of the set

504
00:26:38,760 --> 00:26:41,520
Speaker 1: series of questions, I feel like this is going to

505
00:26:41,560 --> 00:26:44,439
Speaker 1: be a goodie though. What grade would you give yourself

506
00:26:44,480 --> 00:26:47,280
Speaker 1: if I forced you to give yourself a money grade?

507
00:26:47,520 --> 00:26:51,199
Speaker 5: I would give myself a B. And I'm saying that

508
00:26:51,680 --> 00:26:55,320
Speaker 5: because I am really happy with what I've already done.

509
00:26:55,760 --> 00:26:59,560
Speaker 5: I'm so thankful that I had the tools and the

510
00:26:59,640 --> 00:27:02,920
Speaker 5: nolly and the drive and the motivation to get it done.

511
00:27:03,680 --> 00:27:07,720
Speaker 5: The reason I can't give myself an A is because

512
00:27:08,160 --> 00:27:12,320
Speaker 5: I was under the assumption that I had income protection

513
00:27:12,400 --> 00:27:17,800
Speaker 5: insurance through my superannuation, and I yes, and I did not.

514
00:27:18,600 --> 00:27:19,760
Speaker 5: So if I had.

515
00:27:19,600 --> 00:27:21,920
Speaker 1: That, you'd be in a very different position.

516
00:27:22,320 --> 00:27:26,560
Speaker 5: Yeah, the income thing wouldn't have been such a big issue.

517
00:27:27,720 --> 00:27:30,480
Speaker 1: Far out Brussels Sprout. Let's go to a quick break

518
00:27:30,480 --> 00:27:32,880
Speaker 1: and then I'm going to ask you so many questions

519
00:27:32,880 --> 00:27:35,080
Speaker 1: about this because I feel like we can all learn

520
00:27:35,160 --> 00:27:38,320
Speaker 1: so much from you. All Right, So we are chatting

521
00:27:38,320 --> 00:27:41,080
Speaker 1: to a money DRS who has been through an absolute

522
00:27:41,320 --> 00:27:45,159
Speaker 1: rollercoaster financially. You've gone from being an eighty thousand dollars

523
00:27:45,160 --> 00:27:48,280
Speaker 1: worth of personal debt to being out of that situation

524
00:27:48,440 --> 00:27:52,240
Speaker 1: to now being on workers' compensation, which you feel like

525
00:27:52,320 --> 00:27:55,159
Speaker 1: you're about to lose. So I want to talk a

526
00:27:55,160 --> 00:27:57,680
Speaker 1: little bit more about that process and what it means

527
00:27:57,680 --> 00:28:00,720
Speaker 1: and how it works, because I'm very great, but I've

528
00:28:00,760 --> 00:28:04,280
Speaker 1: never been on workers' compensation, but I can imagine it's

529
00:28:04,359 --> 00:28:07,240
Speaker 1: quite a stressful process with making sure that you're claiming

530
00:28:07,280 --> 00:28:10,320
Speaker 1: the right things and doing the right things. But before

531
00:28:10,359 --> 00:28:12,640
Speaker 1: we get there, can we ask a little bit more

532
00:28:12,640 --> 00:28:16,359
Speaker 1: about your accident and how you ended up in this position? Yeah,

533
00:28:16,400 --> 00:28:19,800
Speaker 1: for sure, So, my friend, what happened? You were at work?

534
00:28:20,240 --> 00:28:24,000
Speaker 5: I was I was at work under normal conditions. I

535
00:28:24,240 --> 00:28:27,359
Speaker 5: was in my truck and I went to go and

536
00:28:27,400 --> 00:28:32,760
Speaker 5: get a load of dirt, and the digger operator he

537
00:28:32,840 --> 00:28:37,639
Speaker 5: picked up a bit of wet material which acts a

538
00:28:37,680 --> 00:28:41,440
Speaker 5: little bit different to dirt, as one could assume, and

539
00:28:42,040 --> 00:28:45,560
Speaker 5: it got stuck in his bucket and all came out

540
00:28:45,560 --> 00:28:48,920
Speaker 5: at once into the back of my tray. So instead

541
00:28:48,920 --> 00:28:54,360
Speaker 5: of having like a smooth movement, he dropped one hundred

542
00:28:54,400 --> 00:28:56,880
Speaker 5: and twenty tons worth of material in the back of

543
00:28:56,920 --> 00:28:59,760
Speaker 5: my tray at once and nearly put me through the roof.

544
00:29:01,160 --> 00:29:04,080
Speaker 4: Oh my god, Yeah, that is so scary.

545
00:29:04,560 --> 00:29:05,800
Speaker 1: That's terrifying.

546
00:29:06,120 --> 00:29:07,200
Speaker 4: Yeah, I'll be the first of me.

547
00:29:07,360 --> 00:29:09,920
Speaker 3: I have no understanding of his industry at all or

548
00:29:09,960 --> 00:29:13,080
Speaker 3: how anything works, but I would assume when you're working

549
00:29:13,160 --> 00:29:15,840
Speaker 3: in kind of a more high risk situation where you're

550
00:29:15,840 --> 00:29:18,880
Speaker 3: working with large quantity use and materials and things, is

551
00:29:18,920 --> 00:29:21,440
Speaker 3: there a process that should have been followed in that

552
00:29:21,480 --> 00:29:22,880
Speaker 3: situation that wasn't.

553
00:29:23,400 --> 00:29:27,600
Speaker 5: Yes, most definitely so. In the procedure, and this is

554
00:29:28,080 --> 00:29:32,360
Speaker 5: pretty much industry ride, it says that they need to

555
00:29:32,400 --> 00:29:35,440
Speaker 5: get what they call fines, which is just basically like

556
00:29:35,920 --> 00:29:38,680
Speaker 5: normal dirt, right, So no rocks, no nothing, just the

557
00:29:38,720 --> 00:29:41,240
Speaker 5: smallest stuff that they have, and they put that in

558
00:29:41,240 --> 00:29:43,240
Speaker 5: the bottom of your tray first to act as like

559
00:29:43,240 --> 00:29:45,000
Speaker 5: a cushion so that then they can put the bigger

560
00:29:45,040 --> 00:29:48,040
Speaker 5: stuff on top. The stuff that he picked up was

561
00:29:48,080 --> 00:29:52,200
Speaker 5: like a wet clay material, so even though it wasn't big,

562
00:29:53,160 --> 00:29:58,480
Speaker 5: he probably just assumed that it would come out as normal. However,

563
00:29:58,880 --> 00:30:01,960
Speaker 5: this material I had clay in it, so it all

564
00:30:02,000 --> 00:30:05,160
Speaker 5: stuck together in one big chunk and it didn't come

565
00:30:05,200 --> 00:30:08,240
Speaker 5: out of his bucket until he'd put the full thing

566
00:30:08,960 --> 00:30:11,840
Speaker 5: over my truck. And yeah, one hundred and twenty tons

567
00:30:11,880 --> 00:30:13,960
Speaker 5: came out at once and just went bang.

568
00:30:14,640 --> 00:30:17,080
Speaker 3: What did that feel like? Sitting in a car? When

569
00:30:17,280 --> 00:30:19,360
Speaker 3: did you have your seatbelt on? I mean, you were stationary,

570
00:30:19,440 --> 00:30:22,600
Speaker 3: so you did all that sucky, But did you physically

571
00:30:22,720 --> 00:30:25,560
Speaker 3: lift up like I'm imagining that the whole thing like

572
00:30:25,600 --> 00:30:26,960
Speaker 3: a sea Sawdier just went ooh.

573
00:30:27,240 --> 00:30:30,200
Speaker 5: That's exactly what happened. And these trucks, I don't know

574
00:30:30,240 --> 00:30:33,120
Speaker 5: if you've seen them, but they're huge. They're massive.

575
00:30:33,240 --> 00:30:34,320
Speaker 1: They look pretend.

576
00:30:34,920 --> 00:30:37,880
Speaker 5: Yeah, they're like the size of a two story house.

577
00:30:38,560 --> 00:30:45,200
Speaker 5: And the force that this created ended up lifting the

578
00:30:45,240 --> 00:30:47,160
Speaker 5: whole front of the truck off the ground.

579
00:30:48,200 --> 00:30:50,120
Speaker 1: And he did back to what he'd done.

580
00:30:50,680 --> 00:30:54,960
Speaker 3: Nope, Oh my goodness. So that happened. Did you feel

581
00:30:55,160 --> 00:30:58,080
Speaker 3: the pain immediately or is it something that after you'd

582
00:30:58,120 --> 00:31:00,720
Speaker 3: gone home from the day you kind of, oh, something's

583
00:31:00,720 --> 00:31:01,040
Speaker 3: all right.

584
00:31:01,200 --> 00:31:05,320
Speaker 5: Yeah, that's the thing I didn't. I felt like a jump,

585
00:31:05,640 --> 00:31:09,560
Speaker 5: as you could only imagine. But you know when you know,

586
00:31:10,400 --> 00:31:12,000
Speaker 5: you hit a bump in the road and you kind

587
00:31:12,000 --> 00:31:14,400
Speaker 5: of jump and you're like, oh my god, that scared me.

588
00:31:14,440 --> 00:31:17,520
Speaker 5: I wasn't expecting that. I kind of had that feeling

589
00:31:17,640 --> 00:31:19,400
Speaker 5: and it was kind of like the feeling of that

590
00:31:19,480 --> 00:31:22,200
Speaker 5: in your stomach, but it was in my back as well.

591
00:31:22,240 --> 00:31:25,520
Speaker 5: It was kind of like full body, but it didn't hurt,

592
00:31:25,840 --> 00:31:27,800
Speaker 5: so I thought I was fine. I was just like,

593
00:31:27,840 --> 00:31:29,720
Speaker 5: oh my god, that scared the hell out of me,

594
00:31:30,360 --> 00:31:34,440
Speaker 5: and kind of kept going with it. It wasn't until I

595
00:31:34,520 --> 00:31:36,680
Speaker 5: got to the top of the dump, so I, you know,

596
00:31:36,840 --> 00:31:38,360
Speaker 5: drove it up to where I had to put this

597
00:31:38,440 --> 00:31:45,120
Speaker 5: dirt and I went to reverse backwards. And in these trucks,

598
00:31:45,160 --> 00:31:48,840
Speaker 5: the cabs are so big that you have to lean

599
00:31:48,920 --> 00:31:52,040
Speaker 5: forward to look out your mirror so that you can reverse.

600
00:31:52,600 --> 00:31:55,960
Speaker 5: And that motion of leaning forward, I felt like a

601
00:31:56,680 --> 00:31:59,240
Speaker 5: It was kind of like between a pinch and a pull,

602
00:31:59,560 --> 00:32:02,440
Speaker 5: and I was like, oh my god, I have actually

603
00:32:02,520 --> 00:32:08,560
Speaker 5: done something. Go something's not right. So I called up

604
00:32:08,720 --> 00:32:13,840
Speaker 5: my supervisor, who then came to see me, and they

605
00:32:13,880 --> 00:32:16,440
Speaker 5: took me up to do a drug test and a

606
00:32:16,520 --> 00:32:19,000
Speaker 5: statement before I was even seen by paramedics.

607
00:32:19,200 --> 00:32:22,000
Speaker 4: You're joking what I'm not.

608
00:32:22,600 --> 00:32:25,240
Speaker 1: That's disgusting. That's actually disgusting.

609
00:32:25,440 --> 00:32:27,840
Speaker 5: Yeah, horrific that.

610
00:32:28,280 --> 00:32:30,360
Speaker 1: I feel like you're going to carry some trauma from

611
00:32:30,400 --> 00:32:31,080
Speaker 1: that as well.

612
00:32:31,160 --> 00:32:34,600
Speaker 5: That's yeah, that's huge up, which is why it's another

613
00:32:34,640 --> 00:32:36,320
Speaker 5: reason why we want to get out of this town.

614
00:32:36,440 --> 00:32:39,120
Speaker 5: I just I can't be here. I want to just

615
00:32:39,320 --> 00:32:41,480
Speaker 5: move on with my life, and I can't move on

616
00:32:41,600 --> 00:32:44,120
Speaker 5: probably while I'm still surrounded by the same people.

617
00:32:44,440 --> 00:32:48,440
Speaker 1: Gross, I'm so sorry. That is so trash. The fact

618
00:32:48,480 --> 00:32:52,520
Speaker 1: that they didn't even seek medical help. Are you suing

619
00:32:52,560 --> 00:32:56,640
Speaker 1: this legally? I am yeah, great, good good. That's what

620
00:32:56,720 --> 00:32:58,600
Speaker 1: I would do. That's exactly what I would do. And

621
00:32:58,960 --> 00:33:00,720
Speaker 1: if you weren't doing it, that's what i'd say.

622
00:33:00,520 --> 00:33:03,200
Speaker 5: Do yes, And I'm happy to talk about that too,

623
00:33:03,320 --> 00:33:05,840
Speaker 5: because there are quite a few options that I can

624
00:33:06,000 --> 00:33:09,960
Speaker 5: pick from, or you know, paths I can choose to

625
00:33:10,040 --> 00:33:12,479
Speaker 5: go down, and they're all completely different.

626
00:33:12,920 --> 00:33:15,920
Speaker 1: Oh my gosh, my heart. This just sounds like a

627
00:33:16,000 --> 00:33:18,920
Speaker 1: whole heap of stress. Like it sounds like so much

628
00:33:19,040 --> 00:33:21,720
Speaker 1: is going on. The fact that the company, we're trying

629
00:33:21,720 --> 00:33:25,920
Speaker 1: to protect themselves before even looking after you medically, that's

630
00:33:26,000 --> 00:33:29,400
Speaker 1: messed up. But the fact that now it's in your

631
00:33:29,520 --> 00:33:32,760
Speaker 1: hands to probably pursue all of this, Like, no one's

632
00:33:32,760 --> 00:33:34,640
Speaker 1: going to help you do that, no one's gonna go

633
00:33:34,760 --> 00:33:37,400
Speaker 1: all right, money, diarist, you need to get a lawyer

634
00:33:37,440 --> 00:33:39,760
Speaker 1: and do this and that. How have you learned? How

635
00:33:39,800 --> 00:33:42,480
Speaker 1: have you I guess worked out what the next steps

636
00:33:42,520 --> 00:33:45,480
Speaker 1: are without going into hundreds of thousands of dollars worth

637
00:33:45,480 --> 00:33:46,520
Speaker 1: of legal costs.

638
00:33:46,960 --> 00:33:50,880
Speaker 5: When I realized that no one was on my side, you.

639
00:33:50,840 --> 00:33:53,760
Speaker 1: Know, so we're on your side, I promise.

640
00:33:54,600 --> 00:33:57,960
Speaker 5: Thank you. I keep saying to my husband, thank God.

641
00:33:58,080 --> 00:34:03,160
Speaker 5: Family life is so good because yeah, between my employer,

642
00:34:04,080 --> 00:34:09,000
Speaker 5: my doctors, my specialists, my physiotherapists, the insurance company, and

643
00:34:09,080 --> 00:34:12,319
Speaker 5: all my other rehab providers, they're all working together as

644
00:34:12,360 --> 00:34:16,600
Speaker 5: one team. And then there's me. When I realized that

645
00:34:17,640 --> 00:34:20,480
Speaker 5: they were looking after themselves and no one was actually

646
00:34:20,520 --> 00:34:24,160
Speaker 5: really looking after me, that was when I was like, Okay,

647
00:34:24,200 --> 00:34:26,759
Speaker 5: I need someone on my team. So I went and

648
00:34:26,880 --> 00:34:31,400
Speaker 5: sought out a lawyer. I had the first lawyer for

649
00:34:31,440 --> 00:34:34,399
Speaker 5: a little while, but I didn't really click with him,

650
00:34:34,480 --> 00:34:36,560
Speaker 5: and I didn't really feel like he was on my

651
00:34:36,680 --> 00:34:40,920
Speaker 5: team so much either. So I went and found another lawyer,

652
00:34:41,080 --> 00:34:45,319
Speaker 5: and I'm so glad I found her. She's fantastic. The

653
00:34:45,360 --> 00:34:49,040
Speaker 5: line of communication is great. I speak to her weekly.

654
00:34:49,600 --> 00:34:51,879
Speaker 5: If ever I have any question, no matter how big

655
00:34:52,000 --> 00:34:55,120
Speaker 5: or small, she's there to answer it straight away. Yeah,

656
00:34:55,160 --> 00:34:58,279
Speaker 5: she's finally I have someone on my team that can

657
00:34:58,280 --> 00:34:59,040
Speaker 5: actually help me.

658
00:35:00,000 --> 00:35:03,360
Speaker 3: Oh my gosh, it's so sad. That you need to

659
00:35:04,200 --> 00:35:07,440
Speaker 3: like find or work so hard to find people to

660
00:35:07,480 --> 00:35:11,240
Speaker 3: support you, Like in this situation, you've done nothing wrong,

661
00:35:11,840 --> 00:35:14,640
Speaker 3: you know, it's such bad luck that it had literally

662
00:35:14,680 --> 00:35:17,440
Speaker 3: nothing to do with you. And I'm so sorry that

663
00:35:17,680 --> 00:35:21,040
Speaker 3: it is really challenging to find that support network to

664
00:35:21,080 --> 00:35:23,239
Speaker 3: help you through something that you've got no training and

665
00:35:23,280 --> 00:35:27,040
Speaker 3: you've got no understanding in, and nor would anybody expect

666
00:35:27,040 --> 00:35:30,040
Speaker 3: you to. So I can only imagine how stressful that

667
00:35:30,040 --> 00:35:32,160
Speaker 3: would have been on top of the pain, on top

668
00:35:32,200 --> 00:35:34,760
Speaker 3: of everything else that you're managing all at once.

669
00:35:35,320 --> 00:35:39,440
Speaker 5: Yeah, exactly. And it's sad that I had to find

670
00:35:39,560 --> 00:35:42,040
Speaker 5: a lawyer, like it had to go as far as

671
00:35:42,080 --> 00:35:44,759
Speaker 5: to finding a lawyer who was then going to be

672
00:35:44,760 --> 00:35:48,160
Speaker 5: on my team. Like I just feel like and I

673
00:35:48,200 --> 00:35:50,680
Speaker 5: wish it didn't have to go that far, Like I

674
00:35:50,719 --> 00:35:54,200
Speaker 5: wish I was just looked after I was rehabilitated and

675
00:35:54,239 --> 00:35:57,839
Speaker 5: then you know, I just go back to work. But

676
00:35:57,920 --> 00:35:59,120
Speaker 5: that's not the case.

677
00:36:00,000 --> 00:36:02,160
Speaker 4: And they've just been really difficult the whole way along.

678
00:36:02,239 --> 00:36:05,719
Speaker 5: Have they really difficult. So in two weeks time, I

679
00:36:05,800 --> 00:36:08,880
Speaker 5: have to go for a full medical assessment with a

680
00:36:08,920 --> 00:36:12,160
Speaker 5: doctor that's employed by the company that I work for.

681
00:36:12,719 --> 00:36:15,560
Speaker 5: It's a two and a half hour assessment, and I

682
00:36:15,600 --> 00:36:17,480
Speaker 5: know I'm going to be walking out with a bit

683
00:36:17,520 --> 00:36:19,640
Speaker 5: of paper that says that I have no job.

684
00:36:20,280 --> 00:36:23,439
Speaker 1: Oh my gosh, that's an actual joke. I am so

685
00:36:23,560 --> 00:36:25,120
Speaker 1: sorry that that is the case.

686
00:36:25,440 --> 00:36:26,920
Speaker 5: This isn't even the half of it.

687
00:36:27,719 --> 00:36:28,520
Speaker 3: Oh.

688
00:36:28,680 --> 00:36:31,840
Speaker 1: I just I can't comprehend why companies can get away

689
00:36:31,880 --> 00:36:36,160
Speaker 1: with stuff like this, because obviously there is a certain

690
00:36:36,239 --> 00:36:38,680
Speaker 1: level of risk involved in your job. That's why you

691
00:36:38,719 --> 00:36:41,919
Speaker 1: were munerated so well. Like you said before, I'm truck driver,

692
00:36:42,080 --> 00:36:44,239
Speaker 1: but like, I don't think that really defines what you

693
00:36:44,320 --> 00:36:46,399
Speaker 1: did before, because if you compare that to a truck

694
00:36:46,480 --> 00:36:49,479
Speaker 1: driver that you know does deliveries for Woolies, like, that's

695
00:36:49,719 --> 00:36:52,720
Speaker 1: very different to the fact that you are driving mega

696
00:36:52,800 --> 00:36:56,120
Speaker 1: trucks and there is mega risk involved. Like I'm not

697
00:36:56,160 --> 00:36:59,160
Speaker 1: saying that there's no risk in driving trucks as usual,

698
00:36:59,200 --> 00:37:03,440
Speaker 1: but this is next level, and their insurance arguably would

699
00:37:03,480 --> 00:37:07,120
Speaker 1: cover them for situations like this, because I guarantee you

700
00:37:07,160 --> 00:37:10,520
Speaker 1: are not the first person to ever be injured on site,

701
00:37:10,600 --> 00:37:13,400
Speaker 1: whether you know, someone twists their ankle and breaks their

702
00:37:13,400 --> 00:37:15,879
Speaker 1: ankle and they're out of work for eight weeks or

703
00:37:15,920 --> 00:37:18,879
Speaker 1: something way more significant like this has happened to you.

704
00:37:19,560 --> 00:37:22,319
Speaker 1: I just can't comprehend why they aren't putting you guys

705
00:37:22,360 --> 00:37:26,080
Speaker 1: in the best possible position, because this is horrendous. Like

706
00:37:26,160 --> 00:37:28,960
Speaker 1: I just there's no care, there's no love, there's no

707
00:37:29,120 --> 00:37:30,880
Speaker 1: and I know that you know they don't have to

708
00:37:30,960 --> 00:37:35,040
Speaker 1: love you, but it just makes no sense that they wouldn't,

709
00:37:35,520 --> 00:37:37,799
Speaker 1: you know, want to put you in a situation where

710
00:37:37,800 --> 00:37:40,799
Speaker 1: they're looking after you, given it was their lack of

711
00:37:40,880 --> 00:37:45,040
Speaker 1: compliance and training that put you in this situation exactly.

712
00:37:45,800 --> 00:37:49,640
Speaker 1: Oh my heart, I feel so bad. Oh that's such

713
00:37:49,719 --> 00:37:52,000
Speaker 1: a terrible situation. But I feel like you've got the

714
00:37:52,080 --> 00:37:55,200
Speaker 1: right people on your team and that there's light at

715
00:37:55,239 --> 00:37:57,880
Speaker 1: the end of this tunnel, my friend, I really feel

716
00:37:57,880 --> 00:37:58,480
Speaker 1: like there.

717
00:37:58,400 --> 00:38:02,160
Speaker 5: Is, I hope, so there has to be.

718
00:38:01,400 --> 00:38:03,960
Speaker 3: Before we head off. I'm sure, as they said, it's

719
00:38:03,960 --> 00:38:06,760
Speaker 3: such a common thing. If anyone's listening who is finding

720
00:38:06,800 --> 00:38:10,040
Speaker 3: themselves in a similar battle to you, where their workplace

721
00:38:10,120 --> 00:38:12,960
Speaker 3: is perhaps not doing the right thing by them, what

722
00:38:12,960 --> 00:38:15,239
Speaker 3: would you recommend they do? What first step should they

723
00:38:15,239 --> 00:38:17,279
Speaker 3: look at taking? Is there a resource they can look

724
00:38:17,280 --> 00:38:18,440
Speaker 3: into for me?

725
00:38:20,040 --> 00:38:25,720
Speaker 5: I think it's probably just getting legal advice from the start,

726
00:38:26,040 --> 00:38:29,680
Speaker 5: even if you don't think you'll need it in the future.

727
00:38:30,360 --> 00:38:30,640
Speaker 4: Yeah.

728
00:38:30,800 --> 00:38:34,520
Speaker 5: At least that way, everything's more likely to be documented

729
00:38:34,840 --> 00:38:38,120
Speaker 5: as well from the beginning, and you will know your

730
00:38:38,280 --> 00:38:41,319
Speaker 5: rights as well as what you actually have to do

731
00:38:41,960 --> 00:38:46,799
Speaker 5: to be compliant with their procedures rather than what they

732
00:38:46,880 --> 00:38:50,040
Speaker 5: want you to do. Yeah, because what you actually have

733
00:38:50,120 --> 00:38:52,239
Speaker 5: to do and what they want and expect from you

734
00:38:52,400 --> 00:38:54,360
Speaker 5: are totally different things.

735
00:38:55,239 --> 00:38:58,880
Speaker 1: Money, Darst. Something that is really important to me, especially

736
00:38:58,920 --> 00:39:01,680
Speaker 1: because I am a financial advisor, guys, is income protection.

737
00:39:02,120 --> 00:39:05,359
Speaker 1: And you mentioned very early on that you thought you

738
00:39:05,400 --> 00:39:09,279
Speaker 1: had income protection through superannuation. Can you take us through

739
00:39:09,360 --> 00:39:12,040
Speaker 1: why you thought you did and why maybe you don't

740
00:39:12,239 --> 00:39:14,160
Speaker 1: now and what that looked like.

741
00:39:14,760 --> 00:39:19,759
Speaker 5: Yeah. So I've kind of always been told, and I

742
00:39:19,800 --> 00:39:23,759
Speaker 5: know I shouldn't listen to people that don't have finance experience,

743
00:39:24,200 --> 00:39:26,360
Speaker 5: but I was always kind of told, you know, Super

744
00:39:26,440 --> 00:39:31,359
Speaker 5: takes care of income protection and TPD and you know,

745
00:39:31,520 --> 00:39:34,080
Speaker 5: life cover, so I just kind of assumed I had

746
00:39:34,120 --> 00:39:39,000
Speaker 5: all three. But you know, previously I went and did

747
00:39:39,040 --> 00:39:43,200
Speaker 5: get you know, a life cover insurance outside of Super,

748
00:39:43,680 --> 00:39:46,319
Speaker 5: so I wished I looked into the other two and

749
00:39:46,480 --> 00:39:50,160
Speaker 5: just kind of did both of those as well. So

750
00:39:50,320 --> 00:39:55,439
Speaker 5: that's that's probably been my biggest money mistake, because if

751
00:39:55,480 --> 00:40:01,640
Speaker 5: I had that insurance, this twenty six thousand income that

752
00:40:01,680 --> 00:40:05,200
Speaker 5: I'm now going to be on, it wouldn't have been

753
00:40:05,800 --> 00:40:08,920
Speaker 5: the worst thing because I would have also had that

754
00:40:09,120 --> 00:40:10,719
Speaker 5: other insurance to bulk it up.

755
00:40:11,080 --> 00:40:12,920
Speaker 1: Yeah, and I feel like that would have put you

756
00:40:12,960 --> 00:40:16,400
Speaker 1: in a position where you wouldn't be having chats with lawyers.

757
00:40:16,440 --> 00:40:19,400
Speaker 1: I know that you deserve that, and that's really important.

758
00:40:19,840 --> 00:40:23,120
Speaker 1: But something we've said before on the podcast is sometimes

759
00:40:23,160 --> 00:40:26,319
Speaker 1: your mental health is actually way more important than the

760
00:40:26,360 --> 00:40:30,480
Speaker 1: financial benefits that you might get from suing somebody or

761
00:40:30,560 --> 00:40:35,319
Speaker 1: pursuing something legally, because it's a financial freedom to be

762
00:40:35,440 --> 00:40:39,319
Speaker 1: financially free, right, and that's something that income protection could

763
00:40:39,360 --> 00:40:42,440
Speaker 1: have afforded you. No, you wouldn't have got your entire salary.

764
00:40:42,880 --> 00:40:45,840
Speaker 1: You would have got about seventy five percent of your salary,

765
00:40:45,920 --> 00:40:48,239
Speaker 1: and then you know, there would have been other insurances

766
00:40:48,320 --> 00:40:50,840
Speaker 1: that could have topped that up because TBD would have

767
00:40:50,920 --> 00:40:52,919
Speaker 1: come into play given that you're not able to return

768
00:40:53,000 --> 00:40:54,759
Speaker 1: to work in the role that you had before. But

769
00:40:54,840 --> 00:40:56,920
Speaker 1: it just breaks my heart to think that you just

770
00:40:56,960 --> 00:40:59,520
Speaker 1: assumed that you were in the best possible position because

771
00:41:00,000 --> 00:41:02,759
Speaker 1: people should look after us, right, like, yes, it's an

772
00:41:02,800 --> 00:41:06,480
Speaker 1: Australian mentality and like that's such a nice thing, right

773
00:41:06,520 --> 00:41:08,880
Speaker 1: that we just assume that other people want the best

774
00:41:08,880 --> 00:41:13,040
Speaker 1: for us. And it kind of breaks this facade when

775
00:41:13,080 --> 00:41:16,080
Speaker 1: you realize that people don't want the best for you.

776
00:41:16,840 --> 00:41:21,760
Speaker 1: She's on money community does. But insurers and superannuation companies

777
00:41:21,760 --> 00:41:24,520
Speaker 1: are just doing the best thing for them as a business,

778
00:41:24,920 --> 00:41:27,239
Speaker 1: and that's okay, Like that's what should happen. But I

779
00:41:27,280 --> 00:41:30,000
Speaker 1: think as Australians we just make the grand assumption that

780
00:41:30,040 --> 00:41:32,400
Speaker 1: it'll be right, they'll look after us. I mean, we

781
00:41:32,520 --> 00:41:35,240
Speaker 1: live in a world where that is kind of true.

782
00:41:35,719 --> 00:41:37,919
Speaker 1: But I think we need to really take action when

783
00:41:37,920 --> 00:41:40,560
Speaker 1: it comes to things like total and permanent disability and

784
00:41:40,640 --> 00:41:43,000
Speaker 1: income protection, because that's what would have put you in

785
00:41:43,000 --> 00:41:45,960
Speaker 1: the position where you money direce could have said, you

786
00:41:46,040 --> 00:41:49,000
Speaker 1: know what, this is really shit. They deserve to get

787
00:41:49,040 --> 00:41:52,360
Speaker 1: into trouble for it, but it's not worth my mental health.

788
00:41:52,440 --> 00:41:53,959
Speaker 1: I'm just going to pull the pin on this because

789
00:41:54,000 --> 00:41:56,920
Speaker 1: financially I am okay, But that is a grace that

790
00:41:56,960 --> 00:41:59,600
Speaker 1: you don't have right now, and I think that everybody

791
00:41:59,640 --> 00:42:03,000
Speaker 1: deserves that, regardless of their situation or what has happened

792
00:42:03,040 --> 00:42:05,920
Speaker 1: to them, and that's what insurance can afford you. And

793
00:42:05,960 --> 00:42:07,960
Speaker 1: I just think that too many times you go, oh,

794
00:42:08,000 --> 00:42:11,320
Speaker 1: i'm young, I don't need that, but money darist and

795
00:42:11,360 --> 00:42:15,360
Speaker 1: everybody can't see you because you are obviously anonymous, but

796
00:42:15,440 --> 00:42:18,239
Speaker 1: you're twenty nine years old. You are gorgeous, like you are,

797
00:42:18,280 --> 00:42:21,200
Speaker 1: this gorgeous little blonde thing that I just want to

798
00:42:21,280 --> 00:42:23,920
Speaker 1: hug and say, I'm sorry that you're going through this.

799
00:42:24,520 --> 00:42:26,520
Speaker 1: But insurance is not something that you just get when

800
00:42:26,560 --> 00:42:28,839
Speaker 1: you're older, or just get when you have kids. It's

801
00:42:28,840 --> 00:42:31,880
Speaker 1: something that we all need and if you're not prioritizing it,

802
00:42:31,920 --> 00:42:34,680
Speaker 1: you really need to asap exactly.

803
00:42:35,040 --> 00:42:38,239
Speaker 4: Thank you for sharing your story. I think that it'll agat.

804
00:42:38,360 --> 00:42:40,719
Speaker 3: I mean we say this whenever we talk about insurances,

805
00:42:40,719 --> 00:42:43,040
Speaker 3: but you know, it's something that's so common that people

806
00:42:43,080 --> 00:42:47,160
Speaker 3: don't think about. And this is a situation, as we said,

807
00:42:47,200 --> 00:42:49,960
Speaker 3: we haven't spoken to anyone on the podcast before going

808
00:42:50,040 --> 00:42:53,320
Speaker 3: through the worker's comp process and going through that really

809
00:42:53,760 --> 00:42:56,680
Speaker 3: hard time with their employer where you're having to fight

810
00:42:56,719 --> 00:42:59,040
Speaker 3: for your rights, which you absolutely shouldn't have to do.

811
00:42:59,520 --> 00:43:01,399
Speaker 3: And I have no doubt that there are other people

812
00:43:01,480 --> 00:43:03,920
Speaker 3: in our community who have gone or will go through

813
00:43:03,920 --> 00:43:06,600
Speaker 3: the same thing. So thank you for being so open.

814
00:43:07,120 --> 00:43:10,239
Speaker 3: Please keep us updated. Like, I am so angry on

815
00:43:10,280 --> 00:43:12,600
Speaker 3: your behalf, Like it is just like steaming out of

816
00:43:12,640 --> 00:43:14,200
Speaker 3: my head like a cartoon character.

817
00:43:14,239 --> 00:43:14,960
Speaker 4: I'm so mad.

818
00:43:15,080 --> 00:43:17,480
Speaker 1: Oh way, lord, Yes, you're going through this process.

819
00:43:17,520 --> 00:43:22,360
Speaker 3: It's just absolutely ridiculous, and I truly hope that you

820
00:43:22,719 --> 00:43:25,080
Speaker 3: get what you deserve because the fact that they're trying

821
00:43:25,120 --> 00:43:27,200
Speaker 3: to give you anything less is appalling.

822
00:43:27,600 --> 00:43:28,319
Speaker 5: Yes, thank you.

823
00:43:29,239 --> 00:43:31,959
Speaker 1: All right, Well, that unfortunately is all we have time

824
00:43:32,000 --> 00:43:34,520
Speaker 1: for today, So Jess, do you want to wrap the show?

825
00:43:35,000 --> 00:43:37,520
Speaker 3: And remember the advice sheared on She's on the money

826
00:43:37,560 --> 00:43:40,720
Speaker 3: is generally nature and does not consider your individual circumstances.

827
00:43:40,960 --> 00:43:43,960
Speaker 3: She's on the money existecurely for educational purposes and should

828
00:43:44,000 --> 00:43:45,960
Speaker 3: not be relied upon to make an investment or a

829
00:43:46,000 --> 00:43:49,440
Speaker 3: financial decision. And we promise. Victoria Divine is an authorized

830
00:43:49,440 --> 00:43:54,000
Speaker 3: representative of Infocused Securities Australia Proprietary Limited ABN four seven

831
00:43:54,040 --> 00:43:57,200
Speaker 3: oh nine seven seven nine seven oh fortnine AFSL two

832
00:43:57,280 --> 00:43:58,720
Speaker 3: three six five two three.

833
00:43:58,560 --> 00:43:59,600
Speaker 1: See next week, guys.

834
00:43:59,680 --> 00:44:00,239
Speaker 5: Bye ye