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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. This is a money

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Speaker 2: Diary episode. My name is Ryan John here with Victoria Devine.

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Speaker 3: Hello friends.

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Speaker 2: Now, v I'm going to give you a challenge here. Okay,

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Speaker 2: You're about to read the email from today's Money Diarist,

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Speaker 2: and I want you to first go try and pronounce

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Speaker 2: some of the words and you'll know what I mean

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Speaker 2: when you get to it.

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Speaker 3: Okay, all right, good luck. Can I have the email? Yep, yep,

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Speaker 3: thank you. All right. So this email says, hello, beautiful people.

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Speaker 3: When I was two years old, I broke my femur

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Speaker 3: or your femurs, like your thigh bone, all right? Like, oh, okay,

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Speaker 3: completely snapping it in half. I was in a wheelchair

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Speaker 3: for two months, and after just learning to walk again

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Speaker 3: at the age of two, I had to go into

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Speaker 3: rehabilitation to learn to walk all over again. Luckily, this

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Speaker 3: was no money lost for me at the time, but

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Speaker 3: my parents didn't know how this would affect me long

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Speaker 3: term in terms of my finances, but most importantly my health.

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Speaker 3: I'm now nineteen suffering with scoliosis. Biomechanical joint dysfunction in

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Speaker 3: my pelvis and lumber spine, along with many other conditions

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Speaker 3: that I can't spell. I require numerous chiropractic and myrotherapy

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Speaker 3: appointments a month, often having to take unpaid sick leave,

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Speaker 3: as well as pay for weekly pilates classes which are

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Speaker 3: quite spano, all to keep the pain at ease and

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Speaker 3: to keep my body moving. In saying this, I'm currently

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Speaker 3: working as a casual while studying full time, with thirteen

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Speaker 3: thousand dollars in my bank account, all of which I

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Speaker 3: saved in one year. What I would love to share

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Speaker 3: my tips and tricks with the shees on the Money

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Speaker 3: community as a loyal listener and give you all the

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Speaker 3: pervy details. I look forward to hearing from you soon.

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Speaker 2: All right, hello money.

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Speaker 3: Diarists, Hi, guys, tell you good.

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Speaker 2: Were you impressed with these pronunciation? I thought I was

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Speaker 2: going to trip her up with a few of those,

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Speaker 2: but she seemed to be pretty good.

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Speaker 3: It was on the money, yeah, after my own heart.

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Speaker 2: All right, we're going to go through some of our

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Speaker 2: quick fire questions and then we'll ask a bit more

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Speaker 2: about your specific circumstances. But again, thank you for sharing

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Speaker 2: a story. We know it's a tricky one.

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Speaker 3: So what is your attitude towards money?

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Speaker 4: I never saw money as a tool to achieve financial freedom.

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Speaker 4: I was living paycheck to paycheck. If I was to

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Speaker 4: earn a thousand dollars, I would find any possible way

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Speaker 4: to spend that thousand dollars on anything. In January last year,

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Speaker 4: I had negative fifteen dollars in my bank account, and now,

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Speaker 4: as you said, I have thirteen thousands. So definitely changed.

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Speaker 4: It shifted dramatically. So I'm now sort of every day

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Speaker 4: trying to improve my financial literacy as best as I can.

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Speaker 4: And yeah, just keep improving every day, and yeah.

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Speaker 3: How good? All right? Next question is what do you

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Speaker 3: do for work and how much do you currently earn?

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Speaker 4: So I work in retail mainly, but I recently just

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Speaker 4: started working for the Department of Education as a part

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Speaker 4: of their tutoring initiative program. So I earn eleven hundred

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Speaker 4: before tax the fortnight. And yeah, I'm loving it that

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Speaker 4: I've got the true jobs. It keeps me busy, definitely.

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Speaker 2: And you mentioned in your email that you miss a

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Speaker 2: lot of work because of your injuries. How much time

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Speaker 2: do you miss from work and how much does that

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Speaker 2: cost you?

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Speaker 4: Do you think so in terms of like on a

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Speaker 4: monthly basis, I probably miss about a week of pay

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Speaker 4: for me so that month. Yeah, so it's usually about

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Speaker 4: thirty eight hours that I will sort of miss in

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Speaker 4: a month. So yeah, it does vary. Sometimes it can

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Speaker 4: be significantly less, sometimes it may be significantly more. It

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Speaker 4: sort of just depends on how I'm traveling. And if

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Speaker 4: I'm you know, in not a lot of pain and

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Speaker 4: I'm keeping up with my fitness and I'm doing really

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Speaker 4: well for myself, then I'll be totally fine. Sometimes I

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Speaker 4: don't miss any but other months it could be really

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Speaker 4: bad and I can't even get out of bed some

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Speaker 4: mornings and I'm just stuck in the worst pain ever.

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Speaker 3: Oh my gosh, that is like obviously horrendous. But then

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Speaker 3: on top of that, the financial disadvantage that's associated with

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Speaker 3: losing a week every month.

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Speaker 2: Oh, that's so stressfulsovicame not including the costs, like the

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Speaker 2: actual outgoings of them.

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Speaker 3: Yeah, so it's like, okay, let's keep on track, my friends.

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Speaker 3: So how do you feel about investing and do you

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Speaker 3: currently invest?

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Speaker 4: I don't currently invest, but I have been planning on

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Speaker 4: starting up my investment portfolio around this year, I'm focusing

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Speaker 4: on just establishing my emergency funds first. Yes, good plan

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Speaker 4: research beforehand, but I am super king to start very

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Speaker 4: very soon.

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Speaker 3: Oh how good. I love that you prioritize doing your

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Speaker 3: emergency fund first because that is absolutely the priority instead

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Speaker 3: of investing. And I know a lot of people want

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Speaker 3: to jump feet first into investment, but it's really important

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Speaker 3: to make yourself stable to begin with.

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Speaker 4: Absolutely all right.

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Speaker 3: Next question is what debts do you currently have?

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Speaker 4: So I currently just have my ex set, which I

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Speaker 4: believe is good debt. I'm investing in my future, so

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Speaker 4: I don't really see it as a negative.

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Speaker 3: Agreed, And what would you say is your best money habit?

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Speaker 4: Definitely, Budgeting is my Yes, I have a full on

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Speaker 4: Excel spreadsheet. I think that Victoria, you would absolutely love it.

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Speaker 4: It is my favorite thing ever.

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Speaker 3: I mean, if you want to send it to me,

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Speaker 3: I am so pervy on everybody else's money spreadsheet? Can

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Speaker 3: I see? And for doing that, I will give you

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Speaker 3: access for free to my Budgeting cash Flow masterclass so

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Speaker 3: you can see my spreadsheet.

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Speaker 4: Oh, thank you so much.

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Speaker 3: That is okay, It'll be a good trade.

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Speaker 4: Yeah, definitely all right.

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Speaker 3: Now, opposite of that, what is your worst money habit?

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Speaker 4: Oh, which one's super tricky and I feel like it's

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Speaker 4: the same for everyone, but definitely spending money on food

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Speaker 4: and going out. But it does align with my value,

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Speaker 4: so it's sort of well.

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Speaker 3: I love how people preface it. They're make values. They'm like, well,

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Speaker 3: I can't fight you now.

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Speaker 1: Yeah.

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Speaker 4: It is really tricky though, but I actually am like

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Speaker 4: super on top of what I'm spending. I have so

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Speaker 4: many accounts. I have ten bank accounts, so I can

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Speaker 4: put a ten where things going. It can get a

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Speaker 4: bit stressful, but I love it. It's so good. I

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Speaker 4: have like a spending allowance where I will each fortnight

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Speaker 4: when I get my pay, I'll put a certain amount

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Speaker 4: into that account so that when I do go out

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Speaker 4: with friends, I have that amount of money just sitting

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Speaker 4: there and it's designated to that event.

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Speaker 3: So I love that. That is very forward thinking.

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Speaker 4: It works very well.

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Speaker 3: She's a doing. I love it all right. Next question

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Speaker 3: is what is currently your big money goal.

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Speaker 4: My big money goal would definitely be to start investing

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Speaker 4: as soon as possible, but I am currently saving up

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Speaker 4: for an investment property which I hope to purchase either

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Speaker 4: at the end of this year or mid next year.

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Speaker 3: Oh wow, I love that. Yeah, she's so sassy, sasy

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Speaker 3: and on point. I love it. And if I forced

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Speaker 3: you to give yourself a money grade, what would you

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Speaker 3: give yourself?

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Speaker 4: Oh, I probably have to say. I think I'd go

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Speaker 4: with a bee.

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Speaker 2: A B.

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Speaker 3: Why a B.

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Speaker 4: Yeah, I'd give myself a bee, just because I think

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Speaker 4: that there's a lot more room for improvement and I'd

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Speaker 4: like to get on top of investing as soon as possible.

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Speaker 2: When would you have given yourself a few years ago?

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Speaker 2: Because you said that you used to just be money out.

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Speaker 4: Yeah, I would be miserably failing. I honestly would. Yeah,

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Speaker 4: I'd did myself an f It was awful. I was

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Speaker 4: just not on top of anything. I had no idea

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Speaker 4: like where my money was actually going. I knew that

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Speaker 4: it was going somewhere because I had none, but it

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Speaker 4: was just Yeah, I would definitely say that I wouldn't

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Speaker 4: even be close to where I today without you guys.

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Speaker 3: Oh, that's so sweet. I love that you're in our community.

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Speaker 3: And well, I haven't done the research, I'm pretty confident

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Speaker 3: when saying that I think most shoes on the money

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Speaker 3: community members would give themselves a B or a B

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Speaker 3: plus because everyone I speak shoes always like yep. But

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Speaker 3: I'm still on the journey, I'm still learning, i still

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Speaker 3: have things I want to achieve, So I'm not an

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Speaker 3: A plus. I'll be an A plus once I do

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Speaker 3: all those And I think that's a pretty accurate summary.

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Speaker 2: Yeah, you reckon. Yeah, it's really common.

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Speaker 3: All right.

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Speaker 2: I give myself a nate, not because I'm better, just

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Speaker 2: because I'm arrogant.

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Speaker 3: Yeah, okay, all right, Well I think I'm a B plus.

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Speaker 3: So I've got so many questions for you, and I

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Speaker 3: will get to them in just a moment.

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Speaker 2: So money, diris, you mentioned that your chronic pain probably

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Speaker 2: costs you was about a week a month of work.

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Speaker 4: Yeah, they're about So it's usually about thirty eight hours

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Speaker 4: of pay in a month that I don't get.

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Speaker 2: Yeah, and so as well as the money you don't get,

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Speaker 2: how much per month do you think you spend on treatment, pilates,

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Speaker 2: just you know, whatever it costs to make to just

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Speaker 2: keep you up and running.

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Speaker 4: Oh, it would be a ridiculous amount. So I see

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Speaker 4: a personal trainer once a week, so that is twenty

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Speaker 4: five dollars.

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Speaker 3: I then, yeah, that could be a lot.

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Speaker 4: It Isty is incredible. She is so amazing and she

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Speaker 4: tailors everything to my pain and my conditions, so she's

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Speaker 4: very on top of everything. And then with my chiropractic appointments,

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Speaker 4: it's sixty five dollars every time I go, So that

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Speaker 4: is quite spino.

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Speaker 3: It is Spino, very Spinoy.

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Speaker 4: Yes, definitely. But with my pilates classes, they are twenty

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Speaker 4: eight dollars a class and I usually try to do

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Speaker 4: you know too.

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Speaker 3: Is this because it's clinical pilates or are you going

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Speaker 3: to like a plarate studio or I.

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Speaker 4: Act do reformer pilates, So.

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Speaker 3: That's still Spano for a reformer, very very Spano.

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Speaker 4: But money. When I actually messaged the place that I

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Speaker 4: started going to when they first opened because they're a

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Speaker 4: new business, shout out to Flow and Co. They are incredible.

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Speaker 4: I sent them a message just sort of telling them

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Speaker 4: how much I loved it and face so that they

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Speaker 4: were going to start doing ten percent off for students,

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Speaker 4: so money win. I sort of initiated that and I'm

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Speaker 4: super happy to do it. Yeah, there's so many people

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Speaker 4: like me that I know that don't necessarily have scoliosis,

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Speaker 4: but they have other you know chronic pain and health conditions,

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Speaker 4: and they are also unique students, but don't feel like

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Speaker 4: they have that access to those sort of classes and facilities.

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Speaker 3: Good also flowing sounds like a name business.

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Speaker 2: Amazing, random one. Do you get any concessions or a

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Speaker 2: health care card or a discount or is there something

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Speaker 2: that the government does for people in your scenario to

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Speaker 2: help ease the financial burden of chronic pain.

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Speaker 4: To my knowledge, no, I'm not actually able to get

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Speaker 4: a healthcare car just because my parents earn too much,

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Speaker 4: which I'm in a very privileged position in that case.

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Speaker 3: But you are now an adult.

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Speaker 4: Yes, but still with center Link. I'm unable to because

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Speaker 4: I still live at home, which is really really tricky

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Speaker 4: because my parents actually don't pay for my treatments. I'm

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Speaker 4: one of four kids, so I don't expect them to

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Speaker 4: at all. But it's so true. Yeah, it is.

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Speaker 2: Yeah, And of course that doesn't mean anything to the sentiling.

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Speaker 2: They don't care, they don't go They just go on

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Speaker 2: up your at home bad luck exactly.

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Speaker 3: Oh gosh, I would love to know a little bit

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Speaker 3: more about chronic pain and how that works, because we

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Speaker 3: were talking before we did this interview, and I think

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Speaker 3: it's fair to say that a lot of people that

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Speaker 3: are listening that do have chronic pain often don't feel

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Speaker 3: heard because everything is invisible. People don't see it. How

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Speaker 3: do you deal with that when it comes to work

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Speaker 3: and life and you know, talking to your managers and

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Speaker 3: bosses and friends.

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Speaker 4: This is a really tricky one. All my friends and

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Speaker 4: my family are super understanding and like they are just incredible,

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Speaker 4: Like if I ever need something, they're always there to

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Speaker 4: help and support me work. On the other hand, my

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Speaker 4: retail job, I've never really had much support from them,

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Speaker 4: which is really disappointing. Especially yeah, because I'm so young

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Speaker 4: as well, and I think that's the reason why I

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Speaker 4: haven't received much support, just because they sort of look

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Speaker 4: at me and they're like, but you look fine, you

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Speaker 4: look okay, and they sort of just think that it's

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Speaker 4: something that is going to go away eventually over time,

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Speaker 4: and it actually doesn't impact the way I work. I

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Speaker 4: personally think I'm a hard worker, but yeah, it doesn't

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Speaker 4: affect anything that I do want to actually there.

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Speaker 3: When you can't turn up to work, right.

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Speaker 4: Yeah, of course. So it is really tricky. But I

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Speaker 4: actually last year had a bit of a difficult situation

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Speaker 4: where one of my managers last year actually put me

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Speaker 4: in a really difficult situation where she was disclosing my

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Speaker 4: medical information to other team members without my consent.

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Speaker 3: That's awful. I'm sorry to try that.

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Speaker 4: So it's and I talk about it very openly. It's

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Speaker 4: not sort of something that I will shy away from or.

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Speaker 3: I story to share. It's not that story. Yeah.

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Speaker 4: So I did have a really tricky time where I

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Speaker 4: had to go to HR because, yeah, a lot of

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Speaker 4: managers at work weren't believing me. They asked me to

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Speaker 4: go get some X rays done and shout all these

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Speaker 4: forms which I had X rays.

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Speaker 3: But that way, here's my proof. Thanks though.

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Speaker 4: Yeah, and I actually did go and get some more

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Speaker 4: X rays which I had to show them, and I

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Speaker 4: had to go to the chiropractor and get all this

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Speaker 4: paperwork built out and I wasn't reimbursed for it when

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Speaker 4: it was actually so.

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Speaker 2: You had to pay to prove that you had pain,

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Speaker 2: just to you know, appease your manager because someone.

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Speaker 3: Didn't believe you. Yes, yeah, that's actually disgusting.

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Speaker 4: Yeah, that's yeah, it was really tricky, and I was

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Speaker 4: sort of like, do they.

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Speaker 3: Still have a job because they shouldn't yes, they do great.

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Speaker 3: And do you still have to interact with this person?

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Speaker 3: I know I'm getting real pervy, but do you still

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Speaker 3: have to go to work and see this individual?

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Speaker 4: I do, yes, But as in the Casual, I tried

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Speaker 4: to push me out a little bit, so I don't

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Speaker 4: work there as frequently as I used to, so I

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Speaker 4: don't see them that often.

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Speaker 2: But disgusting.

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Speaker 3: That is disgusting.

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Speaker 2: That's the worst thing about Casual in terms of they

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Speaker 2: can just oh, you just suddenly doing a few less

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Speaker 2: shifts and no we didn't. Yeah, I'm sorry.

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Speaker 3: Yeah, we've just got so many people we can't allocate

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Speaker 3: you any more hours.

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Speaker 4: Get Yeah, it is really really tricky. But I think

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Speaker 4: that they sort of didn't realize that I was gonna

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Speaker 4: sort of fight for my job because I'm so young.

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Speaker 3: But I wouldn't think you would have to. You would

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Speaker 3: think that if you've got something chronic going on, all right, fair,

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Speaker 3: you've questioned it, I mean not fair, but you've questioned it.

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Speaker 3: I've proved it. Can we all get back in our

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Speaker 3: boxes now and carry on?

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Speaker 1: Exactly?

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Speaker 3: That's horrendous. That actually makes me feel so angry for you, And.

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Speaker 4: Tell me a lot of resilience. So I am grateful

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Speaker 4: to have sort of gone through that young because I

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Speaker 4: know that that is not acceptable in a workplace and

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Speaker 4: I will not stand for that. But I would just

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Speaker 4: say to anyone that's experiencing this, just to stand your ground.

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Speaker 4: You know what you're capable of, and don't let anyone

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Speaker 4: tell you anything less. Make sure that you also do

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Speaker 4: your research. If you need to contact TAHR and have

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Speaker 4: a chat with them and ask them if what you're

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Speaker 4: being requested by your workplace is actually ethical and is

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Speaker 4: the right thing, they will definitely give you a lot

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Speaker 4: of guidance. So I would highly recommend that to anyone

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Speaker 4: that's going through something similar.

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Speaker 3: I agree to that well said question.

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Speaker 2: With money related things. We have the Shoes on the

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Speaker 2: Money Facebook group where people ask questions and share advice,

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Speaker 2: and we have the same for the business Bible. Is

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Speaker 2: there you know Facebook groups or meetups or is there

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Speaker 2: other people you can speak two that are in a

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Speaker 2: similar situation, just to know that you're not alone for

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Speaker 2: you to share stories and stuff.

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Speaker 4: Like this, not that I'm aware of. I do have

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Speaker 4: a couple of friends who have similar problems to me,

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Speaker 4: so I usually reach out to them for support, but

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Speaker 4: I've never really come across any support groups. I would

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Speaker 4: absolutely love to join some. If anybody does know, let

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Speaker 4: me know, but i'n't beat them, join him.

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Speaker 3: And if you can't join them, establish it exactly.

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Speaker 2: I'm sure we'll find something we'll put in the group

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Speaker 2: because I feel like and even since we ask for

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Speaker 2: money diaries on this topic, there's a lot of people

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Speaker 2: in a similar situation and maybe just knowing a certain

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Speaker 2: rule or just knowing who to ask for the right website.

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Speaker 3: That's all where to go, or that you can actually

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Speaker 3: call fair Work and have a chat with them about

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Speaker 3: what your rights are and it won't cost you anything.

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Speaker 2: You just gave advice for people who also have chronic pain.

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Speaker 2: What advice would you give to a manager or a

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Speaker 2: HR manager, or a big company in.

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Speaker 3: General, or even just a coworker.

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Speaker 2: Yeah, what can they do to help?

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Speaker 4: I think not underestimating your team even if they do

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Speaker 4: have a chronic illness or a chronic pain, anything along

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Speaker 4: those lines. It's all about educating yourself as well. So

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Speaker 4: I really wish that my manager or my boss had

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Speaker 4: some knowledge on what my pain was like and how

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Speaker 4: excruciating it is. Although they cannot see it, So I

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Speaker 4: think definitely education is key. Knowledge is key. So if

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Speaker 4: you do have any coworkers, or you have any employees

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Speaker 4: that have chronic pain, have chronic illness, definitely through some

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Speaker 4: research into it, because then you can see how you

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Speaker 4: can best assist them and how you can make you

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Speaker 4: know their work and their health a lot better off

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Speaker 4: when you're aware of it.

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Speaker 2: Am I right in thinking that when an employer doubts

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Speaker 2: you that I'm guessing the days you are at work,

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Speaker 2: You've got a point to prove and you're probably one

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Speaker 2: of the hardest work is there.

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Speaker 4: Yes, absolutely, I will honestly work my butt off because

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Speaker 4: I need to prove well. I feel like I need

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Speaker 4: to prove to them that I'm just as capable as

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Speaker 4: anybody else, and I know I am. It's just really hard,

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Speaker 4: and it is a fine line. You have to sort of, yeah,

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Speaker 4: set yourself up so that when you go to work,

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Speaker 4: you're like in that right hit space you can really

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Speaker 4: just get into it. And yeah, you do really have

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Speaker 4: to kind of prove yourself every time you're at work,

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Speaker 4: which is sort of disappointing. Especially I've been with my

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Speaker 4: employees for about three years now, so you'd think that

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Speaker 4: they know you well enough from that, but unfortunately you

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Speaker 4: have to just keep proving yourself and you just have

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Speaker 4: to keep working hard.

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Speaker 3: That's so frustrating and all that makes me more mad. Yeah,

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Speaker 3: I'm sorry.

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Speaker 2: Yeah, Victoria's fired up, and rightly so.

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Speaker 3: I just don't understand why in twenty twenty one people

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Speaker 3: need to go to the links that they do to

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Speaker 3: prove their point when someone says that they're kind of ill, like,

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Speaker 3: I just don't understand it, and I think it's coming

383
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Speaker 3: from a or I think my anger is coming from

384
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Speaker 3: a place where this isn't the first time I've heard

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Speaker 3: this story, right, And you just look at it and

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Speaker 3: you go, this is so wildly unfair that you know,

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Speaker 3: I know people who are chronically unwell and in chronic

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Speaker 3: pain consistently, and their employers haven't always been the most supportive.

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Speaker 3: And I just go, but why, they're the hardest worker

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Speaker 3: you've got when they are at work, wouldn't you be

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Speaker 3: rallying to protect that.

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Speaker 2: You would have thought so, would you?

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Speaker 3: And then when you get proven wrong that no, they

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Speaker 3: are actually in chronic pain, it's probably worse than you

395
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Speaker 3: thought it was. Then trying to push them out. Oh,

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Speaker 3: it's actually disgusting.

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Speaker 2: Yeah, that's so frustrating. We're frustrated now, But how do

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Speaker 2: you deal with the mental side? Because I said, we're

399
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Speaker 2: frustrated now for half an hour chatting to you, But

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Speaker 2: how do you go about it each day? It must

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Speaker 2: just be so annoying, Like how do you manage the

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Speaker 2: mental side? It is?

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Speaker 4: I try to not speak about with coworkers because I

404
00:20:00,640 --> 00:20:04,120
Speaker 4: think that it's best if I chat with my family

405
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Speaker 4: and my friends because they are my biggest support and

406
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Speaker 4: I know that they're always going to have my back

407
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Speaker 4: no matter what.

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Speaker 3: Soltally and your manager actually already told all your coworkers,

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Speaker 3: so you don't really share.

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Speaker 4: I don't have them anything, but yeah, I think, yeah,

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Speaker 4: I just I do rely a lot on my family,

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Speaker 4: my friends, and like I said earlier, they are my

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Speaker 4: biggest support and they are incredible and I'm super lucky

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00:20:26,560 --> 00:20:27,040
Speaker 4: to have them.

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Speaker 2: Well they do sound delightful, yeah, and like they're doing

416
00:20:31,400 --> 00:20:33,160
Speaker 2: a really great job for you. Know that you've got

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Speaker 2: support in us as well that she's on the money community.

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Speaker 3: Can you imagine if you posted your story with your

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Speaker 3: name in the group. Now, I'm not saying do this

420
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Speaker 3: by any stretch of the imagination. But I'm pretty sure

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Speaker 3: the community would end up playing stacks on your employer,

422
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Speaker 3: which is why.

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Speaker 2: We're not We're not going to do it.

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Speaker 3: We're not going to do it, but like, just know

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00:20:54,960 --> 00:20:59,520
Speaker 3: that they would have your back here absolutely, Oh my gosh,

426
00:20:59,600 --> 00:21:03,120
Speaker 3: clause yeah, claws out like it would be safished. Kind

427
00:21:03,119 --> 00:21:04,760
Speaker 3: of want to see it. Kind of would never do

428
00:21:04,880 --> 00:21:07,159
Speaker 3: that to another brand, but but I want to see it.

429
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Speaker 3: Thank you so much for joining us today. I know

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Speaker 3: a lot of people in our community are absolutely going

431
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Speaker 3: to love this money story.

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Speaker 4: Oh, thank you so much, guys. I really appreciate it.

433
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Speaker 3: All right, and that is all we have time for today.

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

435
00:21:21,040 --> 00:21:24,720
Speaker 3: pay respect to Australia's Aboriginal and Torres Strait islander peoples,

436
00:21:25,000 --> 00:21:27,960
Speaker 3: the traditional custodians of the lands, the waterways and the

437
00:21:28,000 --> 00:21:31,439
Speaker 3: skies all across Australia. We thank you for sharing and

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00:21:31,440 --> 00:21:34,040
Speaker 3: for caring on the land which we are able to learn.

439
00:21:34,440 --> 00:21:36,520
Speaker 3: We pay our respects to elders past and present, and

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Speaker 3: we share our friendship and our kindness. Now, it is

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Speaker 3: no surprise that the advice shared on She's on the

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Speaker 3: money is general in nature and doesn't consider your individual circumstances.

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Speaker 3: She's 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 promise I am an authorized

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Speaker 3: representative of Australia Pacific Funds Management Proprietary Limited ABN three

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

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Speaker 3: AFSL three three nine one five one and does always

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Speaker 3: thank you to our dream team of various audio engineers

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Speaker 3: that we pull in prod around the team, Ryan John

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Speaker 3: and our friend Sam from the podcast to Butler.

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Speaker 2: Also random One obviously join the She's on the Money

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Speaker 2: Facebook group.

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Speaker 3: Yeah good idea, right, But.

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Speaker 2: If anyone knows of a chronic pain group or a

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Speaker 2: place where people share advice for one another like we

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Speaker 2: were discussing, should share it. Yeah, send that to us

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Speaker 2: as well, because I think a lot of people would

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Speaker 2: benefit from it, because similar to when you're discussing your

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Speaker 2: salaries with colleagues and your friends and stuff like that,

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Speaker 2: the more information you know about how things work and

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Speaker 2: what other people are doing, it gives you a bit

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Speaker 2: more power to speak to your employer or get some

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Speaker 2: more information and stuff like that, So if you know

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Speaker 2: anything like that let us know. Obviously, join the She's

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Speaker 2: on the Money Facebook group. We'd love that. And also

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Speaker 2: She's on the Money a us on Instagram. We'd love

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Speaker 2: to see there as well.

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Speaker 3: Hit us up on all the socials. See you next week, guys,

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Speaker 3: Babette

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Speaker 2: Day