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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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Speaker 4: Millennials who want financial freedom. Welcome back to another shot

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Speaker 4: back money Diary Monday, where we chat to a community

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Speaker 4: member about them, their story, their life, their money, and

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Speaker 4: all of the fun bits in between.

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Speaker 2: It's not your favorite time of week, is it?

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Speaker 4: I mean it definitely is my favorite episode of the week.

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Speaker 4: Would you like to hear about this week's direst I

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Speaker 4: would love to tell me all right, our diret says, Hello,

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Speaker 4: She's on the Money. I moved to Australia six years

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Speaker 4: ago as an international student, got my permanent residency after

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Speaker 4: two years, and I am now a citizen. I'm also

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Speaker 4: very busy, soon to be mother of my first child,

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Speaker 4: and I run two small businesses and drive for Uber.

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Speaker 2: I'm a hustler.

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Speaker 4: I've been a driver partner for three years, using it

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Speaker 4: when I want to save up for something. Uber has

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Speaker 4: really helped me on my journey to become a small

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Speaker 4: business owner, travel the world, put a deposit on my home,

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Speaker 4: and all before the age of thirty.

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Speaker 2: What I know.

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Speaker 4: I'd love to share my story of hard work and

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Speaker 4: side hustling with the community. Oh my gosh, I love

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Speaker 4: this Money diarists. Welcome to the show.

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Speaker 5: Hey, thank you so much for having me here. I'm

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Speaker 5: really excited.

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Speaker 2: I'm so excited to have a chat with you as well,

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Speaker 2: a mom to pay, a small business owner, an ERG

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Speaker 2: driver like what can't she do? I love this. Let's

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Speaker 2: start off in the way we always start the show,

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Speaker 2: and that is with our structured questions so that we

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Speaker 2: all get up to spaid on where you're at money, Ris.

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Speaker 2: Let's jump straight into the first one, and that question

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Speaker 2: is can you tell us a little bit about your

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Speaker 2: money story.

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Speaker 5: Sure, So I love money and I want to make

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Speaker 5: a lot of it, you and me, Bothy, Hey, everyone

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Speaker 5: loves money. Who doesn't write? And there's nothing called too

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Speaker 5: much money at all. So yeah, and money is something

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Speaker 5: that kind of makes me really happy. It gives me

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Speaker 5: a sense of security and just makes me feel happy

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Speaker 5: and gives me a stability in life. There's a saying

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Speaker 5: that a lot of people say that money doesn't give

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Speaker 5: it doesn't make you happy, or doesn't give you happiness,

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Speaker 5: which I strongly disagree, because money does make you happy,

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Speaker 5: gives you a stability and gives you, you know, an

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Speaker 5: opportunity to meet life that's less stressful. And especially with

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Speaker 5: our generation of the millennials, we face a lot of

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Speaker 5: mental health issues. And I don't say that money will

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Speaker 5: heal all your mental health issues, but yes, not having money,

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Speaker 5: not having enough savings does increase your stress and you know,

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Speaker 5: just make things in day to day life a little

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Speaker 5: bit more difficult totally. And I strongly believe in having

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Speaker 5: multiple streams of income so if something fails, I always

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Speaker 5: have you know, another business or another incoming cash flow

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Speaker 5: into my bank account that I can always fall back on.

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Speaker 2: Oh my gosh, I wish more people will like you.

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Speaker 2: They just go straight out now, I love money more

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Speaker 2: of it. That's very sick because people are always like, yeah,

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Speaker 2: I guess money is like important, but not that important,

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Speaker 2: and you're just straight out like, no, money is the

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Speaker 2: best I need, Moore? Have you always been like that?

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Speaker 2: Is money something that growing up your family spoke a

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Speaker 2: lot about or is it something that you've just discovered

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Speaker 2: that yourself.

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Speaker 5: I think I've always been like that since I was

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Speaker 5: a child, because of the kind of home that I

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Speaker 5: you know, I was brought up in. I was from

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Speaker 5: an upper middle class family, like my dad had a business,

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Speaker 5: a small business, and my mum was a homemaker. So

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Speaker 5: we always grew up with a mentality that there are

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Speaker 5: certain things that we don't do, you know what I mean.

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Speaker 5: Or that's for the rich people. You know, you don't

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Speaker 5: go on holidays degrees because that's not for us. You

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Speaker 5: probably go to a cheaper place or something that's less affordable.

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Speaker 5: And I always thought that thought didn't sit right with me,

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Speaker 5: and I thought why not? You know, we had given

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Speaker 5: one life, and I read somewhere that had really stuck

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Speaker 5: with me for a long time that if you are

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Speaker 5: born for it's not your fault. But if you die poor,

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Speaker 5: that's your fault. Because we've been given this life. You know,

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Speaker 5: there's so many opportunities to make money and to fulfill

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Speaker 5: the desires that you want to write. So I always

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Speaker 5: didn't like the idea of restricting myself to what I

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Speaker 5: can do and what I cannot. So that's why I

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Speaker 5: was like, I want to make a lot of money

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Speaker 5: and want to be able to do every thing that

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Speaker 5: I want to do in one life, So why should

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Speaker 5: I restrict myself to maybe just one job or you know,

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Speaker 5: one career.

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Speaker 2: So and you s's so motivated to do it as well,

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Speaker 2: Black I am loving this energy. So money dois tell

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Speaker 2: us what do you do for work? All of your

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Speaker 2: works and how much money do you earn?

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Speaker 5: Of course, So I run two small businesses. So one

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Speaker 5: is a marketing firm. It's more like a telemarketing so

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Speaker 5: I help small businesses grow their sales, so pretty much

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Speaker 5: like telecalling, cold calling, you know, introducing their businesses to

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Speaker 5: a lot of other customers and pretty much helping them

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Speaker 5: increase their sales monthly sales. That's one part of my business.

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Speaker 5: And this has come from my experience in sales. So

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Speaker 5: since the time I graduated, I've always been working in sales.

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Speaker 5: I've been in media sales, it sales. So yeah, it's

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Speaker 5: just the experience that I gathered there, so I thought

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Speaker 5: I should meet it to a US, yeah, and make

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Speaker 5: something of my own. So that's my marketing business. And

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Speaker 5: then I have an e commerce business which is completely

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Speaker 5: weekend products, cruelty free. So I have my own online setup.

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Speaker 5: So and I ship products throughout Australia. So I've got

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Speaker 5: like magnetic eyelashes, eyebrow stamps, like exfoliating gloves. It's a

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Speaker 5: dread and draw.

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Speaker 2: There's like a beauty a beauty company. Cool. They're so

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Speaker 2: different from one another, I know.

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Speaker 5: Yeah, there's two different things. And the best part about

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Speaker 5: this is I can manage both of this together because

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Speaker 5: my marketing job is like a typical you know, nine

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Speaker 5: to five job, where because I can't reach out to

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Speaker 5: more customers after five pm, which is course you know,

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Speaker 5: the working hours, and my e commerce business I work

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Speaker 5: in the evenings.

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Speaker 2: So they fit together really nicely. Where does Urber come

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Speaker 2: into that? Then my friend.

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Speaker 5: That's after that, so uber is Uber is for the

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Speaker 5: weekends and even evening after my work. When I finish

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Speaker 5: up my work, I when I have time, I feel

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Speaker 5: that I have nothing to do at home. I just

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Speaker 5: take my car and drive around the city and make

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Speaker 5: like really good money. So Uber's been a very important

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Speaker 5: part of my financial journey. And whenever I was struggling

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Speaker 5: with my finances or because my both my companies are

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Speaker 5: completely bootstrapped, so I didn't get take any investments from outside,

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Speaker 5: it was all you know, my own savings, and all

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Speaker 5: this money for my investment in my business for both

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Speaker 5: the businesses came out from Uber. Wow. Really Yeah, yes.

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Speaker 2: That's cool.

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Speaker 4: I know that obviously, being in a comm and marketing

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Speaker 4: and Uber and stuff, it's all quite variable. Can you

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Speaker 4: put like an approximate number on how much money I make?

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Speaker 5: Yeah, so I make somewhere around, say seven thousand to

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Speaker 5: ten to eleven thousand. It depends each month, but yeah,

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Speaker 5: it falls under this window.

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Speaker 2: Wow.

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Speaker 4: And you're working very hard for that money, clearly, But

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Speaker 4: that's awesome.

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Speaker 2: Yes, Oh my gosh, I'm making more than what I.

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Speaker 5: Used to make in my job. So I'm really that's away. Yeah,

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Speaker 5: and it's worth the hard work.

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Speaker 2: So absolutely, all right, Well, tell us I feel like

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Speaker 2: you are so motivated. I want to know what is

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Speaker 2: your big money goal.

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Speaker 5: So my big money goal is that I don't want

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Speaker 5: to be I don't want to live in a million

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Speaker 5: dollar house or anything like that. I want a life

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Speaker 5: where I should be able to travel wherever I want to.

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Speaker 5: And my business is not location specific and it allows

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Speaker 5: me to work from anywhere I can. So yeah, that's

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Speaker 5: pretty much my plan. And I want to sleep and

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Speaker 5: then make money, you know what I mean. I want

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Speaker 5: the money. I want my businesses to make money for me,

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Speaker 5: even when I don't have to work nine to five,

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Speaker 5: you know what I mean. So that's my whole idea.

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Speaker 5: So I want to hustle for the next few years,

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Speaker 5: maybe another three years or four years, and set up

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Speaker 5: my company, have a good team where I can just

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Speaker 5: back up, you know I can. I can just be

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Speaker 5: traveling around the world doing some meetings over the phone

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Speaker 5: or wherever I am, as long as there's a good

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Speaker 5: internet connection and my business is still making money for me.

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Speaker 2: Oh my gosh, I love this. You are literally living

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Speaker 2: our dream. Jess and I just got back recently from

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Speaker 2: a holiday that we went on together. Because we're obsessed

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Speaker 2: with besties and work pals, but we were sitting by

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Speaker 2: a pool, going this is the life. Like imagine if

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Speaker 2: we had a life where we could work from beside

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Speaker 2: the pool, And that is the dream you are creating

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Speaker 2: for yourself. So like that bestI I get it. I'm envious.

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Speaker 2: That is an epic money goal. Next question, working towards

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Speaker 2: that money goal, do you have any investments? If so,

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Speaker 2: what are they?

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Speaker 5: Of course, so I invest in our cryptom So I've

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Speaker 5: invested a good amount in some of the coins like bitcoins, ethereum,

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Speaker 5: and a lot of few others because I think crypto

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Speaker 5: is going to be the next big thing. Imagine if

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Speaker 5: I invested whatever amount like ten years before and now

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Speaker 5: we know the value of crypto like bitcoins like gone

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Speaker 5: up so crazy. So yeah, we have been millionnaires at

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Speaker 5: the right time.

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Speaker 4: So hindsight's always twenty twenty though. I look at the

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Speaker 4: share market all the time and think the exact same thing.

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Speaker 4: I look at property and think the same thing.

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Speaker 2: Like where I'm from, property is like so expensive nowadays,

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Speaker 2: But growing up I was like, oh I could afford

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Speaker 2: three hundred K for hours, Well that's reasonable. One day

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Speaker 2: like that's pretty big, And now I'm like, oh, one

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Speaker 2: point five million dollars. I think not, sir, we are

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Speaker 2: not going to be doing that in my hometown. So

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Speaker 2: I feel like when we look at investments, hindsight is

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Speaker 2: always twenty twenty. It doesn't matter what the asset class

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Speaker 2: is here in it long enough, there is always going

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Speaker 2: to be some kind of payoff, right.

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Speaker 5: Of course, of course, And I think any time to

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Speaker 5: get started is the right time. So it's never too

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Speaker 5: late to start investments, too.

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Speaker 2: True. I have a more perfect question. You said, obviously

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Speaker 2: you've got a pretty good salary and you're investing. How

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Speaker 2: much do you invest regularly?

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Speaker 5: So I wait for the right time to buy. For example,

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Speaker 5: now of the crypto is down, it's a bear market,

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Speaker 5: so you know the currencies have gone down, like the

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Speaker 5: cryptocurrencies has gone down, So I probably buy during this time.

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Speaker 5: So I would probably just have my savings and when

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Speaker 5: I see the coin has gone down and it's not

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Speaker 5: going to go down further. If I see the price

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Speaker 5: chart going up, that's when I just buy. I invest

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Speaker 5: in buld probably ten to twelve grand or whatever budget

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Speaker 5: you know I have for that period of time. Yeah.

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Speaker 2: Cool. I love asking that question because there are some

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Speaker 2: people like me who automates my investment and just happens

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Speaker 2: set amount every single month, like I don't even look

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Speaker 2: at it, It just happens. And then people like you

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Speaker 2: who are really onto the market and what's going on

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Speaker 2: and when to buy, and you kind of like stockpilot

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Speaker 2: and then buy and bulk. And it's just so interesting

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Speaker 2: learning how people manage their own investment journeys because it's

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Speaker 2: literally different for every single person. Next question, my friend,

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Speaker 2: do you have any debt? If so, what is it.

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Speaker 5: I do have a debt, and I think it's a

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Speaker 5: good debt. So I have a property that I live

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Speaker 5: in my first term.

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Speaker 2: That is not bad debt.

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Speaker 5: Yeah, yeah, it's a good debt, and I would love

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Speaker 5: to have more debts. Why not?

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Speaker 2: The kind of set the way like it shares on

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Speaker 2: the money is the kind that helps us create wealth,

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Speaker 2: which is what it looks like you are doing. Tell

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Speaker 2: us about that property, though, like what did you pay

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Speaker 2: for it? And how much is on your mortgage right now?

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Speaker 5: Sure? So I bought this. I think it's about a

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Speaker 5: year and a half now that I've been living here,

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Speaker 5: and I bought this for about five hundred K. It's

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Speaker 5: a small apartment to bedroom and I think it's efficient

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Speaker 5: for me. Perfect so now. So yeah, and I paid

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Speaker 5: a deposit on this for I paid twenty percent deposit,

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Speaker 5: oh like the full full twenty percent. Yeah, because I

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Speaker 5: didn't want to play. I didn't want to pay Elmai,

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Speaker 5: you know, the lender mortgage insurance. And I was like, oh,

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Speaker 5: that's such a waste of money. So it's better that

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Speaker 5: you know, I extend, I push myself save more money

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Speaker 5: and so that it can go towards my deposit.

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Speaker 2: I love that. What a queen get it.

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Speaker 5: And that's when Uber came into picture and helped me

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Speaker 5: a lot because I used to work when I was,

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Speaker 5: you know, wanting to you know, purchase my property because

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Speaker 5: I want I didn't want to quit my job before

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Speaker 5: purchasing a property, yeah, because that's when I'll get my

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Speaker 5: bank loans. So I was still doing my job and

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Speaker 5: in the evenings I used to drive Uber. And Uber

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Speaker 5: helped me a lot, you know with securing my deposit.

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Speaker 2: How cool. I love that, all right. Next question is

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Speaker 2: about shopping, my friend, Do you use shop Act?

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Speaker 5: Not really. I've heard about it, but I haven't used

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Speaker 5: it yet.

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Speaker 2: That is fair. I feel like it's a good time

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Speaker 2: to recommend that to you because I feel like you're

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Speaker 2: pretty money savvy, so that wouldn't be a bad idea

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Speaker 2: to check it out. Next question, what is your best

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Speaker 2: money habit?

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Speaker 5: I think my best money habit would be that I

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Speaker 5: don't I don't know if this is the right answer,

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Speaker 5: but I think I don't spend much on unwanted things,

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Speaker 5: Like I'm very clear about what I want to spend on,

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Speaker 5: which is my business, my travel, and my family. So

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Speaker 5: I don't believe in having expensive clothes. I don't go

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Speaker 5: behind brands or you know, I don't want to buy

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Speaker 5: expensive furniture or anything that has a value that will

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Speaker 5: depreciate over time. Instead, I love investing my money in

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Speaker 5: something that because money is what you know, helps you

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Speaker 5: make that money more like grow money pretty much. So

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Speaker 5: I think that's my good money habit. That I don't

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Speaker 5: spend much.

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Speaker 2: So that is the funny habit. I like that you said,

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Speaker 2: I don't know if this is the right response. There's

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Speaker 2: no such thing. There's no right or wrong when it

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Speaker 2: comes to money, and I feel like that's a good one.

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Speaker 2: I need to learn to be a little bit more

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Speaker 2: like you. Recently, I've been a bit naughty, so I

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Speaker 2: do need to rein it in. I've got some pretty

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Speaker 2: bad money habits. But speaking of pretty bad money habits,

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Speaker 2: what are yours? What is your worst money habit?

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Speaker 5: I think sometimes I'm really impulsive or when it comes

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Speaker 5: to traveling, and I end up spending too much. So

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Speaker 5: if I have to give you an example, because I'm

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Speaker 5: pregnant now and I won't be able to travel obviously

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Speaker 5: as much as I used to travel, you know before,

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Speaker 5: So I went for it to to Bali and straight

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Speaker 5: after that I went to Fiji, and then I went

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Speaker 5: to Auckland. I did all this last minute without any plans.

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Speaker 5: And that's how I am when it comes to traveling.

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Speaker 5: I don't know, my mind just paralyzes, and I don't

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Speaker 5: mind spending. I'm like, it's okay, I you know, I

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Speaker 5: don't spend much on any other things, and traveling is

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Speaker 5: something that I love and I and that I'm just

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Speaker 5: trying to console myself so that I don't feel much

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Speaker 5: guilty about spending. So yeah, I think that's one of

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Speaker 5: my bad habits, that I'm a very impulsive spender when

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Speaker 5: it comes to traveling.

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Speaker 2: I think I like that though, Like I know that

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Speaker 2: that sounds like you're like, oh my gosh, I wish

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Speaker 2: I was better at it, But it really sounds like

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Speaker 2: you're good at spending your money in line with your values.

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Speaker 2: Like you're not going, oh my gosh, like I've got

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Speaker 2: this value of traveling, but I impulsively go shopping every

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Speaker 2: single weekend, and like, it just sounds like your money

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Speaker 2: is being spent in line with your values. So yeah,

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Speaker 2: you probably could do a little bit more planning, but

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Speaker 2: I get it, and I really like it. It's so cool.

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Speaker 2: All right, last question before we go to our really

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Speaker 2: quick break. What grade would you give yourself if we

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Speaker 2: forced you to give yourself a money grade.

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Speaker 5: I think I'm pretty good with managing my money, like

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Speaker 5: I said, because I don't spend much and I just

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Speaker 5: spend where it's required. So I think probably I'll give

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Speaker 5: myself an eight. But there's always cope for improvement in everything.

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Speaker 2: So what do you think it would take to get

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Speaker 2: to a ten?

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Speaker 5: Stopping my impulsive spending? I think, and I think investing

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Speaker 5: more in better places probably would be the thing. Yeah,

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Speaker 5: very cool.

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Speaker 2: All right, We're going to go to a really quick break,

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Speaker 2: and on the other side, I want to know how

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Speaker 2: you manage all of this. I've got so many work

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Speaker 2: life balance questions. See you on the other side. All right,

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Speaker 2: we are back money Diarist. You are very impressive. You

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Speaker 2: have two small businesses, you have a baby on the way,

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Speaker 2: which is really exciting, and you still manage to have

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Speaker 2: another side hustle with uber. Can you tell us a

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Speaker 2: little bit about how you manage it all, because it

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Speaker 2: sounds like you don't have a free it to yourself

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Speaker 2: right now.

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Speaker 5: Actually not. I do manage to spend a lot of

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Speaker 5: time for myself and you know, doing things that I

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Speaker 5: really love. So to be honest, when I used to

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Speaker 5: do a job, my nine to five typical it job,

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Speaker 5: I think I was finding things to be really difficult.

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Speaker 5: I would probably get really tired after four hours of

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Speaker 5: work and I'd be like, oh, I can't wait to

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Speaker 5: go home and things like that. But now when I

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Speaker 5: know it's my own, like both my businesses are like

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Speaker 5: my babies.

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Speaker 2: I get that. I get that through and through.

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Speaker 5: So I never whinge about them. Like I'm really happy

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Speaker 5: with whatever I'm doing, so it doesn't give me stress

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Speaker 5: at all, and I'm enjoying doing that. And the best

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Speaker 5: part is my husband works from home as well. So

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Speaker 5: we both work from home, so it's nice. We have

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Speaker 5: lunches together, we could breakfast together. I do spend a

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Speaker 5: lot of quality time with him as well while I'm working.

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Speaker 5: So yeah, I really feel that it's too much. I'm

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Speaker 5: super comfortable doing the things that I'm doing right now.

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Speaker 2: I feel like that's a really special way to be

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Speaker 2: and something that I wasn't expecting you to say, Like

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Speaker 2: as a business owner, I feel like I and I

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Speaker 2: hate this word. I really don't like the word busy

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Speaker 2: because I feel like busy as a choice, Like you

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Speaker 2: can't just keep saying like, oh my god, I'm so busy,

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Speaker 2: like usually just fluffing around or procrastinating. Like Jesse's looking

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Speaker 2: at me like, yeah, that's all you do, Victoria. But

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Speaker 2: it's one of those things where I just don't feel

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Speaker 2: like I have any free time. How are you managing

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Speaker 2: to fit uber into all of this as well? Is

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Speaker 2: that something that you're like really regimented about and you're like, Okay,

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Speaker 2: from this time to this time every single week, I

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Speaker 2: do this or do you just go, oh, I'm pretty awake.

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Speaker 2: I probably could go do some driving right now, Like

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Speaker 2: how does that fit in? How does that work.

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Speaker 5: So I don't have a particular time message for Uber.

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Speaker 5: So I basically I think there's what Uber right, the

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Speaker 5: smart way of making money is and this is just

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Speaker 5: from my own experience. People might have different experiences on

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Speaker 5: this one, of course. So basically I go and work

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Speaker 5: the hours which are like super busy, for example, Friday

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Speaker 5: evenings if I have nothing to do, and I know

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Speaker 5: Friday evenings are like super busy in the city areas,

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Speaker 5: so that's when I will spend my time because I

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Speaker 5: don't want to be, you know, driving around and making

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Speaker 5: less amount of money. So whenever there is a surge,

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Speaker 5: because on the Uber app you can see wherever there's

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Speaker 5: a search and it tells you where the busy area is.

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Speaker 2: Oh I just thought that was like automatic and then

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Speaker 2: the drivers didn't know. So are you saying you make

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Speaker 2: more money if there is a surge directly money when

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Speaker 2: I thought it was either making more money not the drivers.

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Speaker 2: I love that. Yeah, yeah, that's awesome.

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Speaker 5: X two x three. So it tells you, like, depending

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Speaker 5: on how busy it is, you make more money. So

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Speaker 5: I drive around those areas so that I can you

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Speaker 5: make most of my time and I don't have to

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Speaker 5: drive many hours.

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Speaker 2: You know, working smarter, not harder. I like it.

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Speaker 4: I want to know actually, because now that I'm thinking

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Speaker 4: about it, I don't think I have ever had an

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Speaker 4: Uber driver who is a female.

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Speaker 2: And I have, I have, but it's really rare.

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Speaker 4: Yeah, what has your experience been like as a woman,

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Speaker 4: because I know, I think as a female generally we're

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Speaker 4: a little bit more pet conscious.

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Speaker 2: Yeah for sure.

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Speaker 4: You know you're like, we get taught as kids strange

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Speaker 4: danger and now you're like, I'm going to pick up

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Speaker 4: a random person in my.

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Speaker 2: Car after this chat though, Like I want to go

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Speaker 2: in your uber. I think we would have a really

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Speaker 2: fun time.

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Speaker 4: Yeah, you'd passed me the OX for sure, But like,

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Speaker 4: what has that been like for you as a woman, Like,

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Speaker 4: has it been a positive experience? I mean, you're doing

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Speaker 4: it now, so I'm going to assume so, but just

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Speaker 4: how have you found it all?

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Speaker 5: It's always been a positive experience for me, Like you

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Speaker 5: just said, whenever I have a customer on board, like

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Speaker 5: on a passenger, the first thing to tell me is that, oh,

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Speaker 5: you're the first female uber driver ever scene and I'm like, yeah,

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Speaker 5: I know, I get that a lot. Oh definitely, So

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Speaker 5: there's not a lot of female drivers, and I think

436
00:20:39,760 --> 00:20:42,560
Speaker 5: the passengers that I've had are really respectful and they

437
00:20:42,760 --> 00:20:45,840
Speaker 5: appreciate that I'm working for Uber and I'm brave and

438
00:20:45,880 --> 00:20:48,880
Speaker 5: all of that. So I've never had any bad customers

439
00:20:48,960 --> 00:20:52,200
Speaker 5: or any bad experience as such, and have even driven

440
00:20:52,480 --> 00:20:55,320
Speaker 5: on Friday nights picked up drunk people, but they were

441
00:20:55,359 --> 00:20:59,520
Speaker 5: always nice. I think I've just been lucky. And Uber also,

442
00:20:59,600 --> 00:21:02,280
Speaker 5: has this your feature coming up now, where you like,

443
00:21:02,320 --> 00:21:07,280
Speaker 5: a female driver would pick up a female passenger. Yes, yes, yes,

444
00:21:07,320 --> 00:21:09,680
Speaker 5: So the girls who want to drive Uber and are

445
00:21:09,720 --> 00:21:12,320
Speaker 5: just concerned about safety, you know, this one is like

446
00:21:12,320 --> 00:21:13,080
Speaker 5: the best thing for them.

447
00:21:13,280 --> 00:21:15,960
Speaker 4: Ah, that's really clever. Has anyone ever thrown up in

448
00:21:16,000 --> 00:21:17,000
Speaker 4: your car just out.

449
00:21:16,800 --> 00:21:19,640
Speaker 5: Of shea.

450
00:21:21,200 --> 00:21:22,879
Speaker 2: Yuck? What would happen?

451
00:21:23,560 --> 00:21:25,720
Speaker 4: Well, I mean I've never done it, but I've heard.

452
00:21:25,520 --> 00:21:29,960
Speaker 2: That you wor yess, I'm proud of you. Thank you.

453
00:21:30,000 --> 00:21:31,760
Speaker 4: I've heard that they pay like a fee or something

454
00:21:31,760 --> 00:21:32,840
Speaker 4: to cover the cost of cleaning.

455
00:21:33,000 --> 00:21:35,840
Speaker 5: I think they do, yes, because I had a friend

456
00:21:35,960 --> 00:21:37,080
Speaker 5: he had that experience.

457
00:21:37,160 --> 00:21:39,159
Speaker 2: Oh no, I think they do.

458
00:21:39,320 --> 00:21:41,119
Speaker 5: Girls in one of them pub in the car or

459
00:21:41,200 --> 00:21:46,400
Speaker 5: something very clean in charge that Uber pays you driver,

460
00:21:46,560 --> 00:21:47,360
Speaker 5: So that good good.

461
00:21:47,680 --> 00:21:49,199
Speaker 2: That would be the thing that would give me the

462
00:21:49,200 --> 00:21:52,719
Speaker 2: most anxiety, like especially as a passenger as well. And

463
00:21:52,760 --> 00:21:55,120
Speaker 2: you're the same as me. Like both Jess and I

464
00:21:55,359 --> 00:21:59,240
Speaker 2: pride ourselves on our Uber ratings. Jess is a five

465
00:21:59,400 --> 00:22:02,760
Speaker 2: star and I'm like a four point eight. And I'm

466
00:22:02,800 --> 00:22:05,239
Speaker 2: salty about being a four point eight because I'm like,

467
00:22:05,400 --> 00:22:08,359
Speaker 2: which one of you drivers rated me less than a five?

468
00:22:08,760 --> 00:22:11,399
Speaker 2: Because I am perfect in the car, I'm nice, I

469
00:22:11,440 --> 00:22:14,120
Speaker 2: get in, I always make sure I haven't left anything.

470
00:22:14,200 --> 00:22:16,919
Speaker 2: I'm respectful you gave me less than a five? Just

471
00:22:16,920 --> 00:22:17,600
Speaker 2: a good to each cheek.

472
00:22:17,640 --> 00:22:19,800
Speaker 4: I don't know, actually, while we're talking about that, I'm

473
00:22:19,800 --> 00:22:23,360
Speaker 4: just getting so sidetracked right now. I have always wondered,

474
00:22:23,640 --> 00:22:27,160
Speaker 4: as an Uber driver, what do you want from a passenger?

475
00:22:27,280 --> 00:22:30,000
Speaker 4: Because it's such an interesting transaction when you think about

476
00:22:30,040 --> 00:22:31,919
Speaker 4: I guess, like the rating system and stuff. And I

477
00:22:31,920 --> 00:22:34,240
Speaker 4: always get quite nervous when I get into an Uber

478
00:22:34,359 --> 00:22:36,840
Speaker 4: because sometimes I'm like, I'm just not in the mood

479
00:22:36,880 --> 00:22:38,040
Speaker 4: to talk, like I'm like.

480
00:22:38,119 --> 00:22:40,640
Speaker 2: I'm getting an Uber because I'm exhausted.

481
00:22:40,240 --> 00:22:42,320
Speaker 4: I had a long flight or I did something and

482
00:22:42,359 --> 00:22:44,280
Speaker 4: I don't want to talk. But I don't want to

483
00:22:44,320 --> 00:22:47,440
Speaker 4: make my driver uncomfortable or seem rude, and so sometimes

484
00:22:47,440 --> 00:22:50,200
Speaker 4: I'll be like, all right, buck up, make the conversation,

485
00:22:50,440 --> 00:22:52,840
Speaker 4: be nice, be for it, like do you guys care

486
00:22:53,280 --> 00:22:55,080
Speaker 4: or are you just like, as long as you're not mean,

487
00:22:55,119 --> 00:22:55,840
Speaker 4: it doesn't matter.

488
00:22:56,320 --> 00:22:58,159
Speaker 5: I think, as long as the pastoma is not mean,

489
00:22:58,200 --> 00:23:01,080
Speaker 5: it truly doesn't matter. It goes the other way around,

490
00:23:01,119 --> 00:23:04,520
Speaker 5: as well as when the driver's super exhausted. Yeah, and

491
00:23:04,560 --> 00:23:06,800
Speaker 5: you have a customer who's like super chatty and just

492
00:23:06,840 --> 00:23:10,760
Speaker 5: goes like NonStop, and sometimes you're like, okay, I mean

493
00:23:10,800 --> 00:23:11,640
Speaker 5: you have to be nice.

494
00:23:11,440 --> 00:23:15,880
Speaker 4: To course, comfortable silence. It's nice for everyone, I feel.

495
00:23:16,600 --> 00:23:18,800
Speaker 2: I think the thing I like because I learned a

496
00:23:18,840 --> 00:23:21,879
Speaker 2: little while ago that obviously the ratings are really important,

497
00:23:21,960 --> 00:23:24,919
Speaker 2: and you know, if you rate too little, like you

498
00:23:24,960 --> 00:23:27,760
Speaker 2: can't ride in Uber. Like I know someone who's literally

499
00:23:27,800 --> 00:23:30,200
Speaker 2: been kicked off the app. That's all on them, though,

500
00:23:30,720 --> 00:23:34,159
Speaker 2: But the vice versa happens, right like money dirist, you

501
00:23:34,240 --> 00:23:36,480
Speaker 2: have to be a good driver and respectful and kind

502
00:23:36,520 --> 00:23:39,120
Speaker 2: because if you don't get good ratings, like Uber might

503
00:23:39,160 --> 00:23:41,040
Speaker 2: be like, we don't want you as a driver.

504
00:23:40,920 --> 00:23:43,360
Speaker 5: Right, true, too, true, of course, and they take those

505
00:23:43,400 --> 00:23:46,280
Speaker 5: things really seriously, like if a customer you know, had

506
00:23:46,320 --> 00:23:49,600
Speaker 5: a negative experience and they go complain about you know,

507
00:23:49,800 --> 00:23:52,480
Speaker 5: you not being nice to them or whatever. They do

508
00:23:52,560 --> 00:23:56,639
Speaker 5: investigate and might you know, get your account be activated.

509
00:23:56,200 --> 00:23:58,760
Speaker 2: So which I really like, Like that makes me feel

510
00:23:59,080 --> 00:24:01,600
Speaker 2: like when I get in an I'm getting a consistent,

511
00:24:01,720 --> 00:24:03,959
Speaker 2: nice experience. I know that the person is safe and

512
00:24:04,080 --> 00:24:06,600
Speaker 2: kind and you know, has done all the things that

513
00:24:06,600 --> 00:24:08,639
Speaker 2: they are meant to do. As an Uber driver, because

514
00:24:08,800 --> 00:24:14,119
Speaker 2: Jess and I, oh yes, and I were recently overseas,

515
00:24:14,160 --> 00:24:16,280
Speaker 2: Like I'm going to keep dragging this out, guys. If

516
00:24:16,280 --> 00:24:18,320
Speaker 2: you thought that we weren't going to talk about the

517
00:24:18,359 --> 00:24:21,000
Speaker 2: fact that we went on holiday, like you were wrong,

518
00:24:21,040 --> 00:24:24,000
Speaker 2: We're gonna keep talking about it. But we were overseas

519
00:24:24,040 --> 00:24:26,800
Speaker 2: and we got in a taxi and I think we

520
00:24:26,880 --> 00:24:29,359
Speaker 2: regretted it the second we got in. Yeah, not because

521
00:24:29,400 --> 00:24:31,600
Speaker 2: he was mean, not because he was rude, but because

522
00:24:31,640 --> 00:24:34,160
Speaker 2: he was like, guys, I'm a singer and we were

523
00:24:34,200 --> 00:24:36,240
Speaker 2: like are you, and he's like, yeah, I'm a really

524
00:24:36,240 --> 00:24:39,919
Speaker 2: good singer. And he proceeded to serenade us for the

525
00:24:39,960 --> 00:24:44,159
Speaker 2: next hour with an entire soundtrack that he'd made to

526
00:24:44,320 --> 00:24:47,280
Speaker 2: play his passengers. So we got to listen to his

527
00:24:47,400 --> 00:24:50,320
Speaker 2: classic hits, and I'm telling you right now there is

528
00:24:50,359 --> 00:24:52,320
Speaker 2: a reason why that man had not made it yet.

529
00:24:53,280 --> 00:24:56,040
Speaker 2: But I feel like on Uber, if I'd had the

530
00:24:56,080 --> 00:24:58,480
Speaker 2: ability to rate it and stop someone else from going

531
00:24:58,520 --> 00:25:01,840
Speaker 2: through that experience, maybe that would have been a positive experience.

532
00:25:01,880 --> 00:25:04,640
Speaker 4: Yeah. I like the rating system makes me feel very

533
00:25:04,680 --> 00:25:08,040
Speaker 4: safe because I have actually canceled an Uba once before

534
00:25:08,080 --> 00:25:10,600
Speaker 4: because they had a rating that wasn't high enough and

535
00:25:11,119 --> 00:25:13,200
Speaker 4: it was late at night and I was already feeling

536
00:25:13,280 --> 00:25:15,040
Speaker 4: sketched out and I was just like, oh, I actually

537
00:25:15,080 --> 00:25:17,480
Speaker 4: don't want to risk that, and I just another one

538
00:25:17,520 --> 00:25:20,000
Speaker 4: came along, and I just I like the rating system.

539
00:25:20,000 --> 00:25:23,159
Speaker 4: It makes me feel quite comfy, but it did make

540
00:25:23,200 --> 00:25:25,359
Speaker 4: me nervous when I'm like, am I being a good passenger?

541
00:25:25,440 --> 00:25:28,240
Speaker 4: Because five stars is very important to me as a human.

542
00:25:29,200 --> 00:25:32,040
Speaker 2: You literally tell everybody that you've got five stars, like

543
00:25:32,080 --> 00:25:33,760
Speaker 2: whenever we're out and we're like, oh, do you want

544
00:25:33,760 --> 00:25:35,680
Speaker 2: to get an Uber, Like we'll go back to Victoria's

545
00:25:35,680 --> 00:25:37,560
Speaker 2: house or whatever, just as like, well, I've got five stars,

546
00:25:37,640 --> 00:25:42,359
Speaker 2: old book. Slowly accept me first, Like okay, Jessica, looping

547
00:25:42,440 --> 00:25:45,200
Speaker 2: this back around to your goals, right, you said that

548
00:25:45,280 --> 00:25:47,560
Speaker 2: you want to travel around the world and travel is

549
00:25:47,640 --> 00:25:51,119
Speaker 2: like your main priority? Can you drive ubers in other countries?

550
00:25:51,200 --> 00:25:52,760
Speaker 2: Like if you were to move or you were to

551
00:25:52,840 --> 00:25:56,000
Speaker 2: like go traveling for a while, Like, how does that work?

552
00:25:56,480 --> 00:25:59,000
Speaker 5: I think it's I think it's not possible because you

553
00:25:59,040 --> 00:26:01,719
Speaker 5: have to register your self again. You know, you need

554
00:26:01,760 --> 00:26:04,680
Speaker 5: to have a different driver's license in a different country,

555
00:26:05,200 --> 00:26:07,600
Speaker 5: and every country has a different, you know, requirement.

556
00:26:07,680 --> 00:26:08,159
Speaker 2: I believe.

557
00:26:08,720 --> 00:26:09,880
Speaker 5: I wish it was possible.

558
00:26:10,040 --> 00:26:12,040
Speaker 2: That would be really cool. I mean you don't need

559
00:26:12,080 --> 00:26:14,000
Speaker 2: it because you have two small businesses.

560
00:26:16,119 --> 00:26:18,720
Speaker 5: Yeah that's true, but I wouldn't mind doing it if

561
00:26:19,200 --> 00:26:22,080
Speaker 5: it's a busy hour, you know, make more cash.

562
00:26:22,160 --> 00:26:25,160
Speaker 2: All right, Well tell me though, you're pregnant right now?

563
00:26:25,480 --> 00:26:27,440
Speaker 2: How far along are you tell us about that.

564
00:26:27,840 --> 00:26:28,960
Speaker 5: I'm thirty five weeks now.

565
00:26:29,000 --> 00:26:32,639
Speaker 2: Oh my gosh, so soon. Congratulations, thank you.

566
00:26:33,600 --> 00:26:36,760
Speaker 5: And it just went by so quick, like yeah, yeah,

567
00:26:37,080 --> 00:26:39,520
Speaker 5: just I've just got another four or five weeks to

568
00:26:39,560 --> 00:26:42,439
Speaker 5: go for my final day the day, my.

569
00:26:42,600 --> 00:26:46,639
Speaker 2: God, that's so exciting. How are you budgeting for baby?

570
00:26:47,320 --> 00:26:50,640
Speaker 5: I have enough savings which I've not touched at all

571
00:26:50,720 --> 00:26:54,439
Speaker 5: for the baby, and it's going to be untouched, you know,

572
00:26:54,600 --> 00:26:56,200
Speaker 5: till the baby grows up and everything.

573
00:26:56,359 --> 00:27:00,280
Speaker 2: So yeah, how cool. So are you going to be

574
00:27:00,320 --> 00:27:02,720
Speaker 2: able to drive, uber, or like, is that something that

575
00:27:02,760 --> 00:27:04,760
Speaker 2: you're like once I have this baby, like that's not

576
00:27:04,800 --> 00:27:07,119
Speaker 2: going to be possible, or like, what's the plan for

577
00:27:07,240 --> 00:27:08,960
Speaker 2: money making in the future, my friend.

578
00:27:09,280 --> 00:27:11,560
Speaker 5: I think I'll definitely do it, even after the baby.

579
00:27:11,960 --> 00:27:14,120
Speaker 5: I obviously will take a break for about a month

580
00:27:14,200 --> 00:27:16,040
Speaker 5: or two or whatever was required. I don't know. I'm

581
00:27:16,080 --> 00:27:17,600
Speaker 5: a first time mom, so I don't know how this

582
00:27:17,680 --> 00:27:20,640
Speaker 5: thing works. Yeah, but I think as soon as I'm

583
00:27:20,800 --> 00:27:23,199
Speaker 5: healthy and I can go back to driving, I think

584
00:27:23,240 --> 00:27:26,399
Speaker 5: I'll definitely do it. And it's not just the money

585
00:27:26,440 --> 00:27:29,200
Speaker 5: aspect for me or Uber. I think for me it's

586
00:27:29,240 --> 00:27:32,320
Speaker 5: like a really good stress buster because I love driving

587
00:27:32,840 --> 00:27:34,920
Speaker 5: and it's like my own space, you know what I mean.

588
00:27:34,960 --> 00:27:37,600
Speaker 5: So I'm away from home, I grab a nice coffee,

589
00:27:38,040 --> 00:27:41,240
Speaker 5: I drive around, meet some nice people. Sometimes sometimes the

590
00:27:41,240 --> 00:27:43,639
Speaker 5: customers are really nice, and you know, you have like

591
00:27:43,720 --> 00:27:47,760
Speaker 5: really deep and nice conversations with them, which sometimes you

592
00:27:47,800 --> 00:27:48,919
Speaker 5: really need in life, you know.

593
00:27:49,160 --> 00:27:49,640
Speaker 2: Yeah.

594
00:27:49,680 --> 00:27:51,960
Speaker 5: So yeah, for me, it's like a stress buster and

595
00:27:52,000 --> 00:27:53,679
Speaker 5: it's like my time, and on top of it, you

596
00:27:53,720 --> 00:27:56,800
Speaker 5: make money as well, which is amazing. So I probably

597
00:27:56,840 --> 00:27:58,840
Speaker 5: will still keep doing that on and off.

598
00:27:58,960 --> 00:28:02,119
Speaker 4: What about your other businesses? When you're a small business owner,

599
00:28:02,200 --> 00:28:04,920
Speaker 4: a lot of the time you're wearing all of the hats.

600
00:28:05,240 --> 00:28:08,600
Speaker 4: Do you have any employees in your business currently or

601
00:28:08,640 --> 00:28:11,200
Speaker 4: will your partner or do you have someone who will

602
00:28:11,240 --> 00:28:13,800
Speaker 4: step in for you while you are out? And you

603
00:28:13,840 --> 00:28:15,680
Speaker 4: know learning the ropes is in Newma.

604
00:28:15,840 --> 00:28:18,800
Speaker 5: Of course, the e commas I can still manage because

605
00:28:18,800 --> 00:28:21,639
Speaker 5: my stock is at my home. Like I've converted one

606
00:28:21,640 --> 00:28:23,320
Speaker 5: of the rooms into my office and that's where I

607
00:28:23,400 --> 00:28:25,760
Speaker 5: store all my stock as well, So e commas I

608
00:28:25,760 --> 00:28:27,800
Speaker 5: can still do it from home, so it's not an issue.

609
00:28:28,000 --> 00:28:30,800
Speaker 5: But for a marketing business, I have a small team

610
00:28:30,920 --> 00:28:34,240
Speaker 5: of two people who I employ on a casual basis.

611
00:28:34,600 --> 00:28:37,439
Speaker 5: So when I'm away for you know, my baby and

612
00:28:37,480 --> 00:28:40,040
Speaker 5: my maternity le or whatever, I probably won't go to

613
00:28:40,120 --> 00:28:42,880
Speaker 5: maternity ly we'll still be working, but we'll see. But

614
00:28:42,960 --> 00:28:44,680
Speaker 5: I do have support who can help me with my

615
00:28:45,040 --> 00:28:46,160
Speaker 5: marketing business.

616
00:28:46,520 --> 00:28:49,160
Speaker 2: Oh I love that. I just remember, Jess. One of

617
00:28:49,160 --> 00:28:51,880
Speaker 2: my favorite things about getting in ubers is you always

618
00:28:51,920 --> 00:28:54,760
Speaker 2: ask like or I don't know, maybe it's just me,

619
00:28:55,160 --> 00:28:56,880
Speaker 2: but I always like ask the uber driver. I'm like,

620
00:28:56,920 --> 00:28:59,360
Speaker 2: what do you do when you're not driving ubers because

621
00:28:59,400 --> 00:29:02,200
Speaker 2: they always have such good stories. Like imagine getting in

622
00:29:02,240 --> 00:29:04,880
Speaker 2: an Uba with today's Money diarist to being like what

623
00:29:04,920 --> 00:29:06,560
Speaker 2: are you doing? She's like, oh, well, I have these

624
00:29:06,560 --> 00:29:08,880
Speaker 2: two business I'd be like, what are you doing? Like

625
00:29:09,000 --> 00:29:11,520
Speaker 2: you're a wizard. And the amount of people I've gotten

626
00:29:11,560 --> 00:29:13,960
Speaker 2: in Anuba with that have this like they're like, oh yeah,

627
00:29:14,000 --> 00:29:15,800
Speaker 2: I have a band, I do this or I do that,

628
00:29:15,960 --> 00:29:18,440
Speaker 2: And You're just like, how cool are the people that

629
00:29:18,520 --> 00:29:20,560
Speaker 2: you just get to meet when you jump in an uber?

630
00:29:20,840 --> 00:29:21,080
Speaker 5: Yeah?

631
00:29:21,200 --> 00:29:24,080
Speaker 2: It's super interesting. All right, money Doris, I'm so sorry,

632
00:29:24,080 --> 00:29:26,479
Speaker 2: but I think that is all we have time for today.

633
00:29:26,560 --> 00:29:28,480
Speaker 2: So Jess, I think you need to wrap the boring

634
00:29:28,480 --> 00:29:30,640
Speaker 2: but important stuff and let our money Doris get back

635
00:29:30,680 --> 00:29:31,040
Speaker 2: to work.

636
00:29:31,240 --> 00:29:34,040
Speaker 4: Alrighty, don't forget, guys that the advice shared on She's

637
00:29:34,080 --> 00:29:35,920
Speaker 4: on the Money is general in nature and just not

638
00:29:36,000 --> 00:29:39,720
Speaker 4: consider your individual circumstances. She's on the Money exists purely

639
00:29:39,720 --> 00:29:42,280
Speaker 4: for educational purposes and should not be relied upon to

640
00:29:42,320 --> 00:29:45,240
Speaker 4: make an investment or a financial decision. And we promise

641
00:29:45,360 --> 00:29:48,440
Speaker 4: Victoria Devine and She's on the Money are authorized representatives

642
00:29:48,440 --> 00:29:52,560
Speaker 4: of Infocused Securities Australia Proprietary Limited ABM four seven oh

643
00:29:52,640 --> 00:29:55,720
Speaker 4: nine seven seven nine seven oh fort nine AFSL two

644
00:29:55,720 --> 00:29:56,480
Speaker 4: three six five.

645
00:29:56,480 --> 00:30:01,200
Speaker 2: Two three See you on Wednesday. Guys. Bye.

646
00:30:01,320 --> 00:30:02,959
Speaker 3: They were beat the diet.

647
00:30:04,120 --> 00:30:05,040
Speaker 2: They were