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Speaker 1: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. Today's money diarist is

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Speaker 2: called twenty seven and not Conforming V. You've got the

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Speaker 2: email there.

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Speaker 3: I don't want to buy a house, or get married,

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Speaker 3: or have kids or anything they told us to want

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Speaker 3: as a woman approaching thirty, same girl, I am also

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Speaker 3: approaching thirty very quickly. Maybe one day I'll want those things.

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Speaker 3: They sound lovely, but I've always felt a little different

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Speaker 3: to everybody else. My savings goals were and still are,

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Speaker 3: towards a life of travel and adventure, not a house deposit.

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Speaker 3: I live in a world where the normal thing to

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Speaker 3: do is throw thousands of dollars at a house that

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Speaker 3: you're locked into paying for over at least the next

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Speaker 3: twenty years. I've worked in hospitality ever since I was fifteen.

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Speaker 3: Tried un courses, I've tried regular sales jobs. I've tried

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Speaker 3: to be normal in quotation marks, but it doesn't seem

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Speaker 3: to last. I'm a creative, I'm an aspiring photographer, and

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Speaker 3: I'm perfectly happy pouring beers for twenty six to thirty

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Speaker 3: six dollars an hour and learning to become financially literate

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Speaker 3: after years of living paycheck to paycheck. Over twenty twenty,

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Speaker 3: I reassess my goals and values to be really more

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Speaker 3: responsible with money and true to myself with travel as

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Speaker 3: a goal in mind. I've really turned around my bank

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Speaker 3: accounts and flippancy towards money. Now I have a greater

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Speaker 3: understanding of how to make my money work for me

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Speaker 3: and understanding my limits instead of the constant stress of

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Speaker 3: falling behind everybody else. How cool is that?

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Speaker 2: Real cool?

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Speaker 3: I love that?

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Speaker 2: Right twenty seven and not conforming welcome to She's on

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Speaker 2: the money? Hello, does that sound about right?

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Speaker 1: We have?

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Speaker 3: I'm sure that's her email?

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Speaker 1: She wrote, that's all right.

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Speaker 2: Well, we've got our questions that we always go to,

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Speaker 2: so quickly go through those, and then we have lots

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Speaker 2: more questions about question. I feel like a lot of

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Speaker 2: people will be nodding along being like I feel that,

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Speaker 2: I feel.

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Speaker 3: That, and I just think it's about time we had

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Speaker 3: a money Diris that wasn't saving her house deposit. Whilst

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Speaker 3: it is definitely something that lots of people in our

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Speaker 3: community want, I also just really want to know about

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Speaker 3: your travel goals and where you want to do. But

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Speaker 3: I'll ask the questions first. All right, okay, okay, first

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Speaker 3: question first, what is your attitude towards money and how

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Speaker 3: has it changed recently?

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Speaker 1: Oh, it was a little bit too flippant. I was

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Speaker 1: very prilvished to grow up not really having to worry

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Speaker 1: about money. But now, obviously, as I've lived in the

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Speaker 1: sharehouse for the last few years, and obviously being you know,

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Speaker 1: much more of an adult, I'm much more stingy. To

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Speaker 1: be honest, I really understand the value of money and

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Speaker 1: what things can get you. And you know the value

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Speaker 1: of buying two hundred dollars booits compared to ten dollar

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Speaker 1: piece of crap. This is going to fall apart every season.

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Speaker 1: You know, really understood value of money over everything.

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Speaker 3: I really love that, and you mentioned it in your email.

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Speaker 3: But what do you do for work and how much

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Speaker 3: do you earn?

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Speaker 1: I am a far tender. I work at a craft brewery. Fancy, yeah,

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Speaker 1: and I get basically twenty six an hour. It's like

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Speaker 1: award rate, so it like changes if you're on nights

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Speaker 1: and stuff, and you get more for a weekend, public

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Speaker 1: holidays and stuff. So I just got a really nice

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Speaker 1: paycheck having you work to the east.

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Speaker 2: Weekends a big, long, juicy long weekend. Thank you very much,

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Speaker 2: thank you.

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Speaker 3: Time and a half. Yeah, how do you feel about investing?

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Speaker 3: Do you currently invest I.

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Speaker 1: Do, and it's all your fault.

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Speaker 3: Yes, I'd love when people blame me for stuff.

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Speaker 1: So I had no idea probably still have no idea

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Speaker 1: about investing in stock market and all lots of stuff.

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Speaker 1: It's all still jibbish to me. Numbers makes no sense

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Speaker 1: to my brain. But after all, like the investment episodes

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Speaker 1: and raised and spaceships and stuff that you guys talk about,

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Speaker 1: I ended up just like opening a raids accounts, Like

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Speaker 1: what's the harm? It's like only small amount of money,

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Speaker 1: and yeah, now I have a pretty decent amount in

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Speaker 1: this that I wouldn't have had had I not have

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Speaker 1: just like opened it.

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Speaker 2: But yeah, oh how cool.

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Speaker 3: I love it people blaming me for their investment journeys.

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Speaker 3: I'll take all the blame, Thank you, guys. My next

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Speaker 3: question is do you currently have any debts and if

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Speaker 3: you do, what are they? And i'd also link to

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Speaker 3: know how you feel about date in general.

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Speaker 1: I have a hex stirt and no like degree to

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Speaker 1: make it worth it. Yeah, I have about like, oh,

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Speaker 1: I think it's probably like thirteen or fifteen thousand dollars,

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Speaker 1: I think as they.

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Speaker 3: Look arguably not the worst text it, but still not trading.

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Speaker 1: But it's literally just like an amount that have to

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Speaker 1: pay back for something that I never finished, which sounds

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Speaker 1: really like just bad, but like I went to UNI

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Speaker 1: straight out of school because like that's what you had

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Speaker 1: to do, right, and I didn't want to continue it.

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Speaker 1: And now I just have a hex from like a

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Speaker 1: couple of units that I, you know, just battled on essentially.

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Speaker 3: Oh, but that's okay. I feel like that's actually a

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Speaker 3: really relatable thing to have, right, Like so many people

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Speaker 3: are in that exact situation.

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Speaker 2: My wife, Bridget is one not even subject one report

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Speaker 2: short of her degree and just never handled in that

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Speaker 2: one report. Dude, that's so much.

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Speaker 3: What are you doing? Bridge?

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Speaker 2: Well, she already had a job and she's like it

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Speaker 2: didn't matter. I'm like, yeah, but would you just do it?

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Speaker 2: And then you've got it? Irks me ten years on

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Speaker 2: since she hasn't handed that thing in.

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Speaker 3: Wait, so she could go hand it in and get it.

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Speaker 2: Well, a few years later she like followed up, They're like, yeah,

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Speaker 2: as long as you do your assessment and pass it

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Speaker 2: in like and she's then started and then didn't finish it.

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Speaker 3: Oh gosh, I kind of love that for her. Anyway,

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Speaker 3: Let's get back to our money darist. Sorry bridge, just

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Speaker 3: a short intermission of sight under a quick bus. Yeah,

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Speaker 3: quick bus. Now we're back on the road. What is

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Speaker 3: your best money habit?

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Speaker 1: Ooh, I'm not very well behaved. I don't really I

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Speaker 1: don't shop like I op shot and I have to

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Speaker 1: really love it to buy it, you know, like to

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Speaker 1: the point of there were these pair of boots that

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Speaker 1: I wanted like oh months ago, and I kept looking

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Speaker 1: at them, and I kept getting like my ads and

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Speaker 1: everything on my side of Facebook and everything about these foods.

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Speaker 1: It took me months and then I finally bought them.

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Speaker 1: So I'll sit on something for a very long time.

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Speaker 3: It's definitely to put more than twenty four hours between

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Speaker 3: you and your spending. Yeah, good on that. What is

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Speaker 3: your worst money habit?

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Speaker 1: Food? I love food really and I love like going out,

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Speaker 1: like I am hospitality for on through so like I

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Speaker 1: will go a beautiful cafe down the road, and I

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Speaker 1: spend way too much money there.

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Speaker 2: You take your money from hospitality, You give your money

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Speaker 2: to hospitality and.

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Speaker 3: That is the circle of hospital life.

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Speaker 2: Yeah, exactly.

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Speaker 3: And I love that though, because good food it just

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Speaker 3: makes you happy, Like food is life. Anyway, what is

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Speaker 3: your big money goal that you're currently working towards?

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Speaker 1: Just life? I guess always saved when I was younger,

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Speaker 1: it was always like saving for like my euro trips

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Speaker 1: and stuff. That makes me sound like really booty, but

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Speaker 1: I literally like saved up together on a big euro

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Speaker 1: trip when I was like twenty one, and it was amazing.

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Speaker 3: Questions, But.

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Speaker 1: Yeah, like just always like have a chunk of money

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Speaker 1: put away, like I can do something if I want

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Speaker 1: to sort of thing.

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Speaker 3: Yeah, that is cool, That is really cool.

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Speaker 1: Yeah.

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Speaker 3: So when it comes to giving yourself a grade, what

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Speaker 3: would you give yourself as a grade if I forced

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Speaker 3: you to give yourself one?

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Speaker 1: Maybe considering where I was, maybe like a s mine?

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Speaker 3: Oh yeah, oh yeah not bad. Look, I don't think

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Speaker 3: it's that bad. But I feel like you kind of

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Speaker 3: have a lot of your goals and values in line

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Speaker 3: and you genuinely know what you want, which makes me

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Speaker 3: think that you're probably a little bit better off at that.

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Speaker 3: Then you're giving yourself credit for my friend, thank you,

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Speaker 3: how did.

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Speaker 2: You describe the contrast between where you were a few

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Speaker 2: years ago to where you are now?

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Speaker 1: Massive? I was very much living paycheck to paycheck. I

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Speaker 1: was like freaking out about trying to make my rent

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Speaker 1: and everything. I had like no money to like play with.

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Speaker 1: And now you know, I've got like a raising vesting account.

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Speaker 1: I've got, you know, a large chunk of money put away.

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Speaker 1: I am contributing to my super every week. I yeah,

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Speaker 1: I am a lot more twitched on.

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Speaker 2: And how does that make you feel?

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Speaker 3: Like?

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Speaker 2: Do you feel two inches taller and your shoulders are

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Speaker 2: a bit broader and you know, like you I feel

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Speaker 2: like I can hear it in your voice.

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Speaker 1: Yeah, it's it's nice. I'm not like drowning. I'm not

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Speaker 1: like lost. I know what I'm doing kind of.

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Speaker 3: And then she gave herself a C minus. What do

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Speaker 3: you do with my friend?

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Speaker 2: C minus or be minus?

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Speaker 3: Didn't you see? Oh Bridget B for Bridget I see,

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Speaker 3: And I was just like, wow, that's so harsh, Like

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Speaker 3: that's a bit rough, Like I thought you were so

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Speaker 3: much better than that. B minus. That's pretty good. Got

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Speaker 3: some room to grow. But if my kids, all my

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Speaker 3: future kids came home with that I'd be like, yeah,

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Speaker 3: it's pretty good, pretty good, not bad. All right. So

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Speaker 3: we have so many questions for you, but we will

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Speaker 3: get to those in a very quick second. I love

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Speaker 3: your money diary because I just feel like it's a

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Speaker 3: little bit more relatable to a lot of the people

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Speaker 3: in our community that have been saying things like, oh,

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Speaker 3: like I actually don't want a house, like I just

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Speaker 3: want to travel. How did you decide that that wasn't

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Speaker 3: a priority for you given society's pressures that really feel

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Speaker 3: like they do weigh down on you.

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Speaker 1: I think it probably has a lot to do with my opbringing.

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Speaker 1: I remember as a kid, you know, I get in

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Speaker 1: my hands on my dad's passport and it was every

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Speaker 1: page was filled, it was stamped everywhere. He traveled a

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Speaker 1: lot for work and stuff like that, and I always

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Speaker 1: had a lot of stories, and you know, I just

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Speaker 1: always wanted to travel, Like it sounded amazing and it

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Speaker 1: looked amazing. And I guess like from a family point

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Speaker 1: of view, like we didn't have to or at least

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Speaker 1: in my later teen years, I feel like we didn't

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Speaker 1: have to worry about running and stuff. Like we had

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Speaker 1: a house and it was an house, and it was

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Speaker 1: just like it was. It wasn't a thing that I

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Speaker 1: felt like I needed to aspire to because it's just

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Speaker 1: a thing that was there, you know what I mean?

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Speaker 2: Can I throw a curveball? And I feel like I'm

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Speaker 2: in a similar boat to you in terms of like

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Speaker 2: there's a lot of stuff that like, oh, you're supposed

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Speaker 2: to want this, and I'm like, nah, I don't care.

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Speaker 2: Do you think we don't care about it because we

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Speaker 2: haven't had to care about it because we had it.

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Speaker 1: Yeah, I think definitely. I was in a relationship with

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Speaker 1: the guy that he his family had very little and

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Speaker 1: they rented forever, and all he ever wanted was to

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Speaker 1: just buy a house and have a stability and have

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Speaker 1: the security. And I was kind of in another boat

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Speaker 1: of being incredibly fortunate and lucky to I guess not

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Speaker 1: have to feel like that, I guess, which is, Yeah,

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Speaker 1: it's weird, but it's been great. But it's a funny one.

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Speaker 3: It's a really nice position of privilege, and it's kind

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Speaker 3: of nice that we can talk about it in that

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Speaker 3: way that it's just a part of our money stories. Essentially,

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Speaker 3: it's part of our journey, and our money stories really

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Speaker 3: do shape the thoughts that values, the beliefs what we

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Speaker 3: actually want when it comes to money. So it makes

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Speaker 3: a lot of sense that these types of things, and

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Speaker 3: I'm not trying to stereotype it, but these types of

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Speaker 3: things are the things that millennials now want because you know,

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Speaker 3: our boom are parents. That was the dream for them.

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Speaker 3: Own the house, you know, bring up the kids, do

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Speaker 3: all of that, and we now have had that experience.

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Speaker 3: Well yeah, cool, Like see what that's like. It's you know,

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Speaker 3: travel sounds a little bit more interesting.

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Speaker 1: Yeah.

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Speaker 2: I don't really know if the three of us can

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Speaker 2: answer this question.

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Speaker 3: Okay, well you should definitely ask it on the podcast.

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Speaker 2: The society says we should do this, this, this, this,

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Speaker 2: It's like, who is society? And are they actually saying.

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Speaker 3: That They're not saying that society is.

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Speaker 2: Like or we decide we in our minds just assuming like,

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Speaker 2: you know, are we deciding that that's what society wants?

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Speaker 2: You know what I mean? Because I'm guessing no one's

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Speaker 2: knocking at your door and saying what are you doing with.

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Speaker 3: Your Yeah, but I think it's what the majority of people.

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Speaker 3: When we say society, we mean the majority of people

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Speaker 3: that we experience in our everyday lives, they want houses,

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Speaker 3: they want you know, a car, they want stability that

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Speaker 3: they do, really want to get married and kind of

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Speaker 3: do all of those things that we might deem traditional

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Speaker 3: in a sense. So I think it's not really like society.

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Speaker 3: It's just majority of people still want that and that's

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Speaker 3: not a bad thing, right, Like, that's not a hey,

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Speaker 3: I can't believe they still want the traditional, But I

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Speaker 3: think it's worthy of celebration when people are like, oh, yeah,

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Speaker 3: I don't really want that, sick, tell me about it.

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Speaker 3: What are your goals? Why are they different to mine?

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Speaker 3: But like so beautiful that we can have this conversation

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Speaker 3: and it is so different.

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Speaker 2: What's your thoughts money? Dirist? Is it sometimes just that

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Speaker 2: annoying question that a family gathering that you have to

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Speaker 2: kind of go in explaining yourself y?

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Speaker 1: I honestly I blame Instagram. I actually had to. I

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Speaker 1: deleted Instagram for a chunk of time last year because

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Speaker 1: the algorithm did this thing where all it was giving

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Speaker 1: me was, you know, everyone getting pregnant, everyone getting married,

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Speaker 1: everyone doing all of these things, and you know, everything

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Speaker 1: looks nice and shiny and you know the Instagram look right, Yeah,

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Speaker 1: I get that, Like The only reason I then was like, oh,

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Speaker 1: having a baby would be really nice, all getting married

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Speaker 1: being really nice. The only reason I was thinking that

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Speaker 1: was because of Instagram. So when you take social media

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Speaker 1: out of the mix, it's just sort of like you're

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Speaker 1: living your own life and you know, only really affected

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Speaker 1: by the people around you immediately, as opposed to like,

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Speaker 1: you know, all make from England, who's you know doing

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Speaker 1: this slushy wedding?

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Speaker 2: You know, Like so when you deleted Instagram, say like

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Speaker 2: a few weeks later, did you suddenly feel significantly less

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Speaker 2: pressure to do all those things? Like did it actually

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Speaker 2: have a direct impact like that?

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Speaker 1: Yeah, so much better.

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Speaker 3: I really related it out, Ryan, Yeah, society is Instagram.

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Speaker 2: Yeah, there's the answer to my unanswerable question.

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Speaker 3: Quote Victorian, twenty twenty one.

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Speaker 2: Yeah.

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Speaker 1: Far, it's really hard because it all looks really nice

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Speaker 1: and pretty, but like it's just a look.

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Speaker 3: It is totally just a look. And I was reading

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Speaker 3: something today. I think it was just like a quote

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Speaker 3: on Twitter, which I don't frequent often because Twitter can

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Speaker 3: be a really toxic space. If you're talking about toxic

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Speaker 3: when it comes to social media.

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Speaker 2: The suerats of society.

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Speaker 3: Yeah, they live on Twitter.

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Speaker 2: One of them.

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Speaker 3: You're one of them? Yeah, okay, why are we not

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Speaker 3: surprised at this? But one of the quotes I read

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Speaker 3: was just about how abundant debt is, like you see it,

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Speaker 3: you feel it, but you don't really get to see

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Speaker 3: the financial freedom side of things because you don't get

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Speaker 3: to see in people's bank accounts. But you can see

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Speaker 3: their flashy new cars, you can see the houses they've

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Speaker 3: just bought. You can see the weddings they've arguably financed,

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Speaker 3: their engagement rings that they couldn't arguably afford. But then

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Speaker 3: when you're you know, leaving a bit more lokey, you're

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Speaker 3: saving for bigger goals and stashing it all away, Like

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Speaker 3: that's not as shiny or as pretty, but it should

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Speaker 3: be celebrated even more I think than you know, actually

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Speaker 3: achieving a shiny goal that looks beautiful on Instagram.

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Speaker 2: Yeah. Yeah, random question. They're all random because I feel

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Speaker 2: like there's a bit of a more of a personal

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Speaker 2: philosophy for what's word? Am I trying to say? Me?

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Speaker 2: There you go, thank you.

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Speaker 3: I can leave the podcast now.

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Speaker 2: Someone one said to me, we can all feel a

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Speaker 2: bit lost until we find our spot and we find

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Speaker 2: our people. And I guess my question is do you

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Speaker 2: think maybe one day you'll be traveling and there will

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Speaker 2: be some random job or you'll meet a partner and

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Speaker 2: you'll be in this beautiful spot in the world and

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Speaker 2: you go, oh, actually, I want all those settled down

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Speaker 2: things now because I've found my spot and I've found

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Speaker 2: my people. Or is it a purely I just want

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Speaker 2: to be traveling until the day I die, Like, could

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Speaker 2: there be a chance that your circumstances will change and

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Speaker 2: you'll go, oh, actually, maybe I've.

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Speaker 3: Found Yeah, that's interesting, found my.

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Speaker 2: Settle down spot.

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Speaker 1: Maybe are you?

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Speaker 3: But are you single? At the moment, we didn't ask

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Speaker 3: that much.

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Speaker 1: I am recently single.

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Speaker 3: Do you think your current wants a reflective of your

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Speaker 3: current personal situation? Yeah?

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Speaker 1: I the guy was with absolutely beautiful persons, but we

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Speaker 1: were on different pages, like he hadn't traveled, and he

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Speaker 1: grew up a lot differently, like financially and all that

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Speaker 1: sort of stuff. We're all very, very different. But it

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Speaker 1: was just sort of like I just felt like I

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Speaker 1: needed someone that was kind of on my level in

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Speaker 1: terms of life experience. You know.

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Speaker 2: Yeah, I was with someone when I was twenty four

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Speaker 2: who is like babies get a job forever nine to five,

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Speaker 2: and I was like, I'm alone for that.

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Speaker 1: Yeah, I need like some sense of adventure, you know.

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Speaker 3: I like that. And I think it's actually a really

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Speaker 3: interesting concept because for a very long time I wasn't

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Speaker 3: sure if I wanted children. No, I don't want them

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Speaker 3: right now, just because it turns out I have a

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Speaker 3: lot of work to do and I feel like you

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Speaker 3: might try, and you always I will, I will. But

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Speaker 3: I think it wasn't until I met my current partner

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Speaker 3: that I was like, want your baby's friend. I'm happy

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Speaker 3: to put that on.

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Speaker 2: Was that on the first Tinder message you sent him?

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Speaker 3: Totally was yeah, no, but I think it's babies.

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Speaker 2: Yeah.

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Speaker 3: But it kind of comes down to what you were

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Speaker 3: saying before, like once you meet your people, because I

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Speaker 3: was always feeling a little bit lost and like not

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Speaker 3: that a relationship is something that you should be defined

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Speaker 3: by or even you know, be searching for to be

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Speaker 3: a whole person, right, But I remember just being like, no,

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Speaker 3: I actually want this thing now. I wasn't sure. Now

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Speaker 3: I found someone I really want to do that with.

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Speaker 3: That's pretty cool.

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Speaker 2: I think a lot of the money diar is there's

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Speaker 2: been a theme of like, when you and your partner

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Speaker 2: are on the same page in terms of values, it

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Speaker 2: seems to work. And a lot of the stories we

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Speaker 2: hear are when they're not. And for today's money direst

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Speaker 2: I'm sure if the person they were with was I

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Speaker 2: want to travel, I want to do this and whatever,

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Speaker 2: you'd be like, oh, like it's meant to be in

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Speaker 2: and off we go. And and I don't mean marriage,

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Speaker 2: I just mean you're on the same page in terms

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Speaker 2: of you don't want to buy a house and lock

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Speaker 2: it down for twenty five years. How long's a mortgage

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Speaker 2: these days?

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Speaker 3: May thirty thirty years. It's a lot of time.

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Speaker 1: Yeah, a lot of time.

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Speaker 2: That's a lot of time.

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Speaker 1: Yeah, he didn't value travel like I did. That was

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Speaker 1: kind of one of the killers.

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Speaker 2: But that's your number one value. I mean that that's

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Speaker 2: sort of that's it, right, But you.

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Speaker 3: Can't go into a relationship and literally be asked to

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Speaker 3: compromise your number one value. Yeah, that's never going to

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Speaker 3: work out in my humble opinion.

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00:18:33,200 --> 00:18:35,359
Speaker 2: Yeah, should we take the relationship callers for next?

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00:18:35,440 --> 00:18:39,240
Speaker 3: We definitely sure. Next next on Christian.

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Speaker 2: The Love God, Victoria will give more relationship advice. Here's

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00:18:44,440 --> 00:18:45,760
Speaker 2: what I'm suggesting.

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Speaker 3: Just to ask, I want your babies.

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Speaker 2: Here's what I'm suggesting for the three of us. Yeah, okay,

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Speaker 2: story myself, Ryan, Today's money dirist. Should we pencil in

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Speaker 2: a calendar thing for this time next year because I

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Speaker 2: feel like.

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Speaker 3: My gosh, can we do your money diary in twelve months?

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Speaker 2: Yeah? I feel like you're in a space where you've

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Speaker 2: got your finances turned around, you're saving a little bit.

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Speaker 2: Obviously overseas travel isn't huge at the moment with COVID,

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Speaker 2: but I would just be fascinated to see where this

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Speaker 2: pans out. Do you feel like you're in a similar spot,

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Speaker 2: like you're ready for your next adventure?

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Speaker 3: Yeah?

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Speaker 1: Sure, man, I am. Actually I actually wrote down the

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Speaker 1: other day. I was like, April twenty twenty two, you're

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Speaker 1: moving overseas, no excuses.

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Speaker 2: No excuses.

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Speaker 3: Well, given me doing this via zoom slash plhone call,

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Speaker 3: doesn't matter where you are, We'll get that money diary.

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Speaker 2: Money dires twenty seven and not conforming. Thank you very

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Speaker 2: much for sharing some of your story. And like we

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Speaker 2: was saying, there's a big theme and trend in the

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Speaker 2: group of I want the house, and I want this

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Speaker 2: and I want that, and I think it's refreshing to

431
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Speaker 2: hear someone goes, oh, happy for you guys, But actually

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Speaker 2: I'm about all of this over here.

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Speaker 3: Where do you want to travel next too? Obviously COVID

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Speaker 3: has put us in a position where we're not able

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Speaker 3: to leave the country. Oh, we can go to New

436
00:19:58,840 --> 00:20:02,600
Speaker 3: Zealand as off. I think next week, next week? Yeah,

437
00:20:02,680 --> 00:20:05,119
Speaker 3: but where are you planning on traveling? What is your

438
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Speaker 3: number one travel goal at this point.

439
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Speaker 1: I have been to a lot of places, but I

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Speaker 1: actually haven't been to New Zealand.

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Speaker 3: Really, it is beautiful.

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Speaker 1: We're going to rent a van and drive around, so

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Speaker 1: I think that that might be it with COVID.

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Speaker 3: So yeah, New Zealand. I promise it's stunning. Can't wait

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Speaker 3: to hear about it in a year. Oh, thank you,

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Speaker 3: thanks for joining us, Money Diarist.

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Speaker 1: Thank you so much.

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Speaker 3: And that's about all we have time for today. But

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Speaker 3: before we head off, we'd like to acknowledge and pay

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Speaker 3: respect to Australia's Aboriginal and Torres Strait Islander people's, the

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Speaker 3: traditional custodians of the lands, the waterways and the skies

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Speaker 3: all across Australia. We thank you for sharing and for

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Speaker 3: carrying on the land which we are able to learn.

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Speaker 3: We pay respects to elders past and present, and we

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Speaker 3: share our friendship and our kindness. She's on the Money

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Speaker 3: is general in nature and does not consider your individual circumstances.

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Speaker 3: Sheese on the Money exists purely for educational purposes and

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Speaker 3: should not be relied upon to make an investment or

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Speaker 3: a financial decision. And we do promise I am an

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Speaker 3: authorized representative of Australian Pacific Funds Management Proprietary Limited ABN

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Speaker 3: three four one three two four six three two five

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Speaker 3: seven aff CL three three nine one five one and

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Speaker 3: as always recently thanks to Sam Blackett our podcast Butler

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Speaker 3: for helping out with the audio. You can find him

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Speaker 3: at the podcast butler dot com