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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 won financial freedom. My name is Tony

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Speaker 2: Lodge and joining me for another shot back money Diary

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Speaker 2: is Miss Victoria Divine.

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Speaker 3: Hello, Hello and welcome, but also goodbye, Tony.

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Speaker 4: Well, I mean the cat's out of the bag.

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Speaker 3: No, Tony, why is this episode? Obviously it's going to

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Speaker 3: be a special episode. We say that at the start

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Speaker 3: of every single week. I don't know what it's about yet,

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Speaker 3: but it's an extra special episode.

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Speaker 4: Why Well, today is my last money Diary.

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Speaker 3: Oh, Tony is going on to bigger and better things,

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Speaker 3: and obviously we couldn't be more proud of her, and

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Speaker 3: obviously with Kepta around as long as we have.

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Speaker 4: But it's Tony's last money Diary.

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Speaker 3: So I hope this is a goodie and you've like

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Speaker 3: saved something really special up so that you can blow

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Speaker 3: it out of the water.

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Speaker 4: This is an amazing money diary. You are gonna love it.

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Speaker 2: And the roller coaster is just it's gonna be tip top,

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Speaker 2: I promise.

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Speaker 3: All right, all right, well let's jump straight in. I

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Speaker 3: cannot wait, Tony, can you read up this week's money

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Speaker 3: diarists email for me.

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Speaker 2: All right, here we go. At the age of twenty five,

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Speaker 2: I finished my bachelor's in physio in my home country,

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Speaker 2: Brazil and immigrated to Australia to start a new life

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Speaker 2: with my new Zealander partner. Ooh, that was back in

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Speaker 2: twenty nineteen, when we were about ten thousand dollars in

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Speaker 2: personal debt. But also really happy that after one year

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Speaker 2: of life long distance, we could physically be together. Oh sure,

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Speaker 2: I came here to Australia with no job, no savings

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Speaker 2: and a degree yet to be accredited. However, confident that

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Speaker 2: my partner and I had a whole future ahead of us.

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Speaker 2: Two and a half years later, here we are two

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Speaker 2: immigrants that just applied for their permanent residency together with

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Speaker 2: a six digit investment portfolio, what an emergency account and

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Speaker 2: looking forward to buying a home and having kids in

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Speaker 2: the near future.

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Speaker 4: Hold up in like two years? No, no, no, no.

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Speaker 2: I know there are a lot of millennial immigrants in Australia,

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Speaker 2: such as myself and my partner, and I'd love to

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Speaker 2: share my money story with them, The story of a

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Speaker 2: girl whose life completely changed for the better when she

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Speaker 2: decided to call this beautiful country home.

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Speaker 4: Oh and now she's going to live with us permanently, Tony.

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Speaker 2: And actually she mentioned that she lives in Sydney and

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Speaker 2: she's about to buy a house, so she must be predicted.

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Speaker 3: Probably she married Reached Tony. We were onto her as always.

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Speaker 3: O Moneyarist is on the line and wants to read

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Speaker 3: butt your comments.

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Speaker 4: You didn't just marry Reach, did you?

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Speaker 5: That would be so amazing if he came with you know,

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Speaker 5: like he's amazing a little good. The guy's hands, funny

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Speaker 5: the way he is a wonderful partner and also roots.

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Speaker 4: But now you never get the trifactor, do you. It's

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Speaker 4: not like you lucked out though for most parts. And

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Speaker 4: it sounds like you don't even need it.

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Speaker 5: I don't allow the man to spend. I just don't

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Speaker 5: allow the men to spend. That's pretty much all right.

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Speaker 3: Well, money Diarist, how about we get straight into it.

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Speaker 3: I would love to know what is your attitude towards money?

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Speaker 5: Well? I believe that now I have a pretty positive

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Speaker 5: attitude towards money. It hasn't always been that way though,

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Speaker 5: I growing up, my family never had much. You know.

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Speaker 5: I'm from a family with six children and my parents.

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Speaker 5: They got separated when my mom I was still pregnant

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Speaker 5: with my younger sister. And yeah, luckily we always had

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Speaker 5: everything that we needed. We always had you know, full timmy,

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Speaker 5: a roof over our heads and warm clothes, but we

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Speaker 5: also you know, didn't have a lot of things. I

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Speaker 5: moved out of home to go to UNI when I

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Speaker 5: was eighteen, so just to add a little bit of contact,

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Speaker 5: I grew up in Brazil in a sort of mid

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Speaker 5: size city with not much university structure, and I went

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Speaker 5: to UNI in the capital of this stage that was

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Speaker 5: about an hour and twenty minutes drive away from my

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Speaker 5: family's house. So I had to move there, and I

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Speaker 5: was really privileged that I got a lot of government

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Speaker 5: support to be able to afford accommodation, food and also

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Speaker 5: I always worked, so yeah, during that time, was really difficult,

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Speaker 5: you know, to deal with money because I would look

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Speaker 5: at my bank account and basically, if I was to

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Speaker 5: buy a five here eyes hey ice is the currency

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Speaker 5: in Brazil five here eyes's neck between breaks, I wasn't

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Speaker 5: going to have enough money to take the transport to

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Speaker 5: go to see my family in the weekend, so you know,

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Speaker 5: I had to budget to every single cent, but that

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Speaker 5: they teach me a lot. And you know, I think

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Speaker 5: he definitely contributed a lot with the fact that now

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Speaker 5: that I have so much more than I actually need,

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Speaker 5: we are, you know, being able to do you know,

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Speaker 5: such a good thing out of all that is happening

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Speaker 5: now for me and my partner. Yeah, so now I

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Speaker 5: think the attitude is definitely much more positive because I

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Speaker 5: really try now to not go back to the situation again. Way.

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Speaker 5: If I look at my bank account, you know, I

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Speaker 5: only have enough money to really survive until the next week.

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Speaker 5: Now now things are not that way anymore, and it

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Speaker 5: just feels so good.

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Speaker 3: What a story money, Darius. You said in your email

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Speaker 3: to us that you've moved from Brazil and you've gotten

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Speaker 3: a UNI degree and we don't know.

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Speaker 4: Much more than that. Now, what do you do for work?

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Speaker 4: How much money do you earn?

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Speaker 5: So I currently work on your soft Wales health not

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Speaker 5: as a feasier though, and I am an aging min

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Speaker 5: officer over there. My permanent positions is eight officer. At

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Speaker 5: the moment, I'm acting as aman supervisor in outpacing department.

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Speaker 5: I've been doing that for the last couple of months,

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Speaker 5: covering leaves and I'll probably do it until at least

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Speaker 5: the twenty first of December. So my normal wage, like

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Speaker 5: my permanent positions wage that is sixty five thousand.

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Speaker 4: Dollars wow, oh my gosh.

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Speaker 5: And acting as agent supervisor they paid seventy thousand dollars

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Speaker 5: per year, so at the moment I'm only seventy thousand.

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Speaker 5: A little bit of a pay rise over there. Oh win, Yeah,

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Speaker 5: pretty good risk. That's definitely obviously before text, but not

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Speaker 5: including supreme rite.

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Speaker 4: Oh great, So souperannuations on top nice?

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Speaker 5: Ten percent on top. We don't get more than ten

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Speaker 5: percent unfortunately for your software with health. I'm not complaining though.

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Speaker 5: That's pretty good.

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Speaker 3: Yeah, no complaints and cheekily, what does your partner do

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Speaker 3: and how much does he earn?

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Speaker 5: Oh wow? I was not prepared for that question.

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Speaker 3: Sorry, you don't have to tell us, but I'm gonna

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Speaker 3: later about how on earth you have one hundred thousand

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Speaker 3: dollars investment portfolio and I have a sneaky suspicion that

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Speaker 3: was joined, so like I need to the details them.

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Speaker 5: Yeah, so I'm more than happy to tell you what

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Speaker 5: he does. He's a government employee as well. He is

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Speaker 5: a correctional officer. But he the thing is with him,

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Speaker 5: he's been working full time on their job since a

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Speaker 5: port disy and he always, always, always have walked more

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Speaker 5: than one job. So the guy's a little bit of

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Speaker 5: our alcoholics. So yeah, he's normally and for like for

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Speaker 5: some time, he also did like pretty much two full

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Speaker 5: time job jobs at the same time. So yeah, he does.

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Speaker 5: He works a lot, and also he does a lot

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Speaker 5: of overtime as well, so when he does over time,

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Speaker 5: he gets paid much more like double or whatever that

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Speaker 5: is that they pay. I do know how much he's

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Speaker 5: earned from his last text return. It was nearly one

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Speaker 5: hundred thousand dollars.

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Speaker 4: Wow.

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Speaker 5: But it's because, like you know, he doesn't have a

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Speaker 5: bad he's a user. That's right, That's exactly the world

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Speaker 5: that I was looking for here.

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Speaker 4: Yeah, he's a hustler.

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Speaker 3: So money Diarist, what is currently your big money goal?

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Speaker 5: Yeah, so at the moment, we are more focused at

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Speaker 5: investing because we still need to figure out a lot

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Speaker 5: of answers about the property buying. We definitely want to

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Speaker 5: own property. We want to This is something that we

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Speaker 5: want to do. Even though we really like investing, we

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Speaker 5: definitely want to own our home. You know where we're

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Speaker 5: going to raise our kids and all that stuff. However,

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Speaker 5: we don't want to own a home in Sydney. Don't

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Speaker 5: get me wrong, I love Sydney, but we plan to

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Speaker 5: actually have a family, you know, in bridgingal in software

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Speaker 5: is probably it's not in our plans, you know, to

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Speaker 5: buy an apartment in Sydney. Yeah. So, yeah, we at

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Speaker 5: the moment, we are more focused on, you know, achieving

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Speaker 5: our yearly goals, like we have the goal of every

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Speaker 5: year a minimum of forty thousand dollars we save and invest.

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Speaker 5: And yeah, so about the home, they still need to

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Speaker 5: figure out where we're going to buy. We still don't

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Speaker 5: rob it's a little bit hard to give up on

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Speaker 5: stable jobs as well. Yeah, for sure, you know, to

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Speaker 5: move away from Sydney. That is getting it's a little

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Speaker 5: bit tricky at the moment. And yeah, so by the

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Speaker 5: time we have kids, though, we want to have that

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Speaker 5: all a little bit more sorted. Yeah so for now,

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Speaker 5: the biggest money go it's really to keep doing you know,

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Speaker 5: like good making good decisions and achieving those investment goals

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Speaker 5: and hopefully to buy a home in some time in

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Speaker 5: the future.

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Speaker 3: It sounds like you've got it all together and you

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Speaker 3: know what you want and where you're going to invest

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Speaker 3: and what you're going to purchase and how it's all

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Speaker 3: going to work. Like I cannot wait to hear that

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Speaker 3: you've purchased it and you know you're having babies and

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Speaker 3: you're doing all of these things. Like that's so fun.

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Speaker 5: And can I tell you something, I'm really here, not

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Speaker 5: just like saying it. It's it's because of your money podcast. Really, yeah,

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Speaker 5: I know it's a lot of my hard work. It's

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Speaker 5: because I sat down, I'm excuding, I'm going after it.

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Speaker 5: I know you're gonna say that as well, because you

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Speaker 5: do that.

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Speaker 3: I think the victoria called out by a money diarist.

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Speaker 5: I feel like I know you for so long. You

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Speaker 5: have no idea because I've listened to the episodes, most

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Speaker 5: of them, I've listened to them multiple times. But yeah,

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Speaker 5: it's because, really, I was completely against investing in shares,

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Speaker 5: completely against it. I was like, no way. I used

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Speaker 5: to tell my partner, I'm not gambling my money. I

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Speaker 5: wake out for my money.

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Speaker 2: I'm not gonna gamble up Tony.

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Speaker 5: Now I love it. I tell everyone to do it.

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Speaker 5: I'm like, no, only say I'll tell you about money podcast,

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Speaker 5: you need to my.

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Speaker 3: That is honestly so sweet. But yes, I'm going to

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Speaker 3: tell you it was you. Like, I'm very grateful to

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Speaker 3: be in the position where I have been able to

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Speaker 3: share all that information and like that is obviously the

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Speaker 3: thing that gets me out of bed in the morning,

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Speaker 3: and I adore it. But if you're giving that information

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Speaker 3: to people who aren't ready to hear it, or don't

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Speaker 3: want it, or aren't interested or just like I can

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Speaker 3: do it on my own, like, it's all up to

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Speaker 3: you to actually do something with the information and further

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Speaker 3: educate yourself. Like, you can't just go start investing after

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Speaker 3: listening to my podcast. You have to work out what

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Speaker 3: you're going to invest in and how you're going to

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Speaker 3: do that. So, my friend, you did a lot of

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Speaker 3: this work. Ninety nine point ninety five percent.

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Speaker 4: If that was you, Oh, thank you.

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Speaker 3: This feels like a really silly next question, but it

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Speaker 3: is in the proper sequence. The question is do you

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Speaker 3: have any investments? We know the answer is yes, my friend,

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Speaker 3: What are they? How do they work? Tell us all

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Speaker 3: about it?

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Speaker 5: Yeah, so I have actually kept it. Raise them to

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Speaker 5: my God, And I said that way right?

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Speaker 4: All right, Tony grab A chair, we'll sit down. Do

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Speaker 4: you name like swallow?

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Speaker 5: Are you already? Okay? So I have so I have

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Speaker 5: the investments that I do myself, not including my partner,

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Speaker 5: and they are mostly micro investments really, So I have

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Speaker 5: about four hundred dollars invested into Spaceship and eighteen hundred

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Speaker 5: dollars invested into Ray. So my partner got some shares

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Speaker 5: with the company that he used to work for before

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Speaker 5: he became a government employee, and that was about five

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Speaker 5: thousand dollars that he's got. And because we do finances together,

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Speaker 5: you know, it was like, you know, let's do nearly

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Speaker 5: five thousand dollars for something else that she wants to do.

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Speaker 5: So we've got I've got about four thousand, five hundred

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Speaker 5: dollars in common sex pocket at the moment, because I

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Speaker 5: wanted to give it a try. That's to split, you know.

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Speaker 5: And they have a few little ETFs there.

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Speaker 4: Yes, they've got a lot of good options.

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Speaker 5: Yeah, yeah, And so we have our joint share portfolio

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Speaker 5: then my partner and I and at the moment that

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Speaker 5: is about one hundred and sixty five.

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Speaker 4: Oh that's a bit more than you told us. It

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Speaker 4: was in your email, my friends.

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Speaker 5: Yeah, it's what flutways of course, but you know it's

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Speaker 5: in the green side so far that's overall, like you know,

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Speaker 5: all together, all in that bucket.

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Speaker 3: How did you create that portfolio? Like before you said

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Speaker 3: you had comsex pocket. You're not doing that on comsex pocket,

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Speaker 3: are you.

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Speaker 5: No? No, So the that is in common tech, but

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Speaker 5: like it's in ets like a few bantfs, a few

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Speaker 5: water ETFs, and a few individuals talks. We also have

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Speaker 5: some shares in Facebook and some shares in ubok that

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Speaker 5: those were the first two couple that we bought because

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Speaker 5: we're like, okay, we have big fans of Facebook and

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Speaker 5: your bullets do that and now it's it's more of

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Speaker 5: a really silly but it was actually not bad because yeah,

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Speaker 5: you know they're performing well. But yeah, so it's like

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Speaker 5: a mix of you know, all those those things.

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Speaker 3: Wow, one hundred and sixty five thousand dollars.

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Speaker 5: And that was done. You know, we started in January

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Speaker 5: twenty twenty.

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Speaker 3: Okay, you've got to tell us how are you doing

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Speaker 3: this each month? Are you investing all of your income?

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Speaker 3: Like where is this money coming from? Especially because you

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Speaker 3: said before, like I'm just doing some maths. My friend,

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Speaker 3: your partner last year had a taxable income of just

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Speaker 3: under one hundred thousand dollars and you had a taxable

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Speaker 3: income of seventy thousand dollars pre tax.

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Speaker 4: How does this add up? Where where is your money

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Speaker 4: coming from?

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Speaker 5: So if I do give you all the entire timeline,

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Speaker 5: I moved here to I moved to Australia to list permanently.

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Speaker 5: I've been here before, but you know, I moved back

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Speaker 5: to be with him on February twenty nineteen. I couldn't

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Speaker 5: work for three month my three first months here for

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Speaker 5: visa reason standing, and then I could work full time

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Speaker 5: after that period of time. So then I started looking

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Speaker 5: for jobs. I walked two jobs back then, and he

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Speaker 5: also worked two jobs. For a very long time. We

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Speaker 5: had sent out about US eight nine thousand, about nine

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Speaker 5: thousand dollars actually worked off that during that time. We

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Speaker 5: finished paying off that that probably end of August twenty nineteen,

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Speaker 5: and then we started saving.

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Speaker 2: Wow.

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Speaker 5: Yeah, and then we started saving on a context where

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Speaker 5: we were both working sixty hours per week. We didn't

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Speaker 5: even have time to go out for food, to travel.

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Speaker 5: We didn't have the time and energy to really do.

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Speaker 4: Anything or to spend the money yeah.

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Speaker 5: Or to spend the money, that's right. I think first

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Speaker 5: time that I bought clothes for myself was like a

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Speaker 5: couple of months ago.

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Speaker 4: Oh my gosh.

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Speaker 3: So it was hard work, determination and just both being hustlers.

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Speaker 3: It's not just your partner, you are as well.

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Speaker 5: And I should also actually have mentioned, and I'm sorry

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Speaker 5: I forgot your men, and that I also have a

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Speaker 5: side hustle on Sundays. I work on Sundays. I've done

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Speaker 5: that for six weeks before lockdown and I I'm back

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Speaker 5: doing that again. Yeah, and I've done a little bit

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Speaker 5: of you know, like working weekends, and that's where my

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Speaker 5: spaceship and hate and raise little investments. That's that's where

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Speaker 5: they came from. Because that money I basically don't say then,

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Speaker 5: you know, I just checked them into those little micro

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Speaker 5: investing platforms because I want to see what they're going

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Speaker 5: to do for me and that money. I actually plan

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Speaker 5: to get that out to be able to go home

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Speaker 5: once this you know, whole COVID situation.

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Speaker 4: Yeah, so it doesn't have to come out of your saving.

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Speaker 5: That is right, And it doesn't have to come out

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Speaker 5: of five joint money for our future goals. You know,

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Speaker 5: we can I can actually just get that out of

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Speaker 5: the little extra things so I can still see my family.

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Speaker 5: It's an expensive trip, right go into Brazil.

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Speaker 4: So expensive?

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Speaker 5: Yeah, yeah, so right now as well, the visit situation thing,

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Speaker 5: we are very lucky that the visa process that we

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Speaker 5: have to do, we don't we didn't need to pay

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Speaker 5: eight thousand dollars and that you know, in one goal,

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Speaker 5: we actually pay twenty percent and the other eighty percent

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Speaker 5: is going to go afterwards because my partner is actually

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Speaker 5: the applicant and I am the secondary applicant and they

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Speaker 5: do this little good thing for the QC for musical

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Speaker 5: Oh sneaky.

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Speaker 4: I love that.

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Speaker 5: Yeah, so, I really love the way that Immigration has

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Speaker 5: done that because you know, it just makes a little

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Speaker 5: bit easier for them, and they're so much nicer your

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Speaker 5: cousins from across the sea.

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Speaker 4: True, true, true.

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Speaker 3: All right back on track with questions, because I want

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Speaker 3: to keep talking to you, but I know we have

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Speaker 3: to smash through these. This feels like a silly question,

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Speaker 3: Tony money direst. Do you have any debt?

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Speaker 5: No? Because my financial Sorry I should not say that

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Speaker 5: you are a financial advice but I feel like you

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00:17:52,040 --> 00:17:54,080
Speaker 5: were a little bit but you haven't did any part,

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Speaker 5: no financial device, but you have promised so much. Anyway, well,

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Speaker 5: I should not have that, if I write, I should

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Speaker 5: pay that first before I invest it. Don't.

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Speaker 3: So you're going to become a financial advisor Yourselfzella.

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Speaker 4: It's fine.

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Speaker 3: It sounds like you're probably better at giving investment advice

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Speaker 3: than I am.

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Speaker 4: Right now.

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00:18:14,560 --> 00:18:18,880
Speaker 3: No, no, no, like I love it money dost Next question,

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Speaker 3: do you use shop back?

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Speaker 5: I do? I do. I'm not the kind of person

355
00:18:25,240 --> 00:18:27,480
Speaker 5: that really shops, as you can tell so far. It's

356
00:18:27,520 --> 00:18:31,200
Speaker 5: really actually terrible that I don't shop. Sometimes you have

357
00:18:31,359 --> 00:18:35,120
Speaker 5: to write. But anyway, I when I do, like especially

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00:18:35,200 --> 00:18:38,719
Speaker 5: buying things for the house and Christmas gifts and stuff

359
00:18:38,760 --> 00:18:41,200
Speaker 5: like that. Yeah, so I definitely use chop back.

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Speaker 3: It's really handy. I feel like even someone who is

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Speaker 3: as good at investing in saving as you, that's a

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Speaker 3: tool that people just use because they're being smart with

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Speaker 3: their money. It's not about buying clothes and shoes and

364
00:18:54,000 --> 00:18:56,600
Speaker 3: being frivolous. It's actually about being a little bit savvy

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Speaker 3: when you do have to buy things online.

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Speaker 5: That's right, Why not I'd get a film for dollars back?

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Speaker 4: You know, Gus genius. That's money you can invest.

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Speaker 3: Ask your money Tony. All right, The next question I

369
00:19:11,000 --> 00:19:13,280
Speaker 3: have for you money direst and I feel like we'll

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00:19:13,320 --> 00:19:14,640
Speaker 3: learn a lot from this one.

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Speaker 4: What is your best money habit?

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00:19:17,600 --> 00:19:19,359
Speaker 5: That's money? Well, I don't spend.

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Speaker 3: I think you're just really good at saving money. You

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00:19:23,960 --> 00:19:25,960
Speaker 3: are who I aspire to be.

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00:19:26,240 --> 00:19:28,320
Speaker 5: I'm really good and I spending. I peck my lunches.

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Speaker 5: So before I even leave the house, if I'm tired

377
00:19:31,960 --> 00:19:34,159
Speaker 5: and I don't cook on the next day, I think, okay,

378
00:19:34,720 --> 00:19:37,399
Speaker 5: what can be my neck then for lunch? Because I

379
00:19:37,440 --> 00:19:41,280
Speaker 5: know if I will spend probably fifteen dollars to eat

380
00:19:41,400 --> 00:19:44,480
Speaker 5: at work, and I'm sorry, I don't want to speak

381
00:19:44,520 --> 00:19:47,520
Speaker 5: badly about my workplace for the food that is no good.

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Speaker 4: That's fair. I feel like that's pretty common.

383
00:19:51,800 --> 00:19:54,920
Speaker 3: But we still, if we haven't packed lunch, spend fifteen

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00:19:54,960 --> 00:19:56,399
Speaker 3: dollars on the not good food.

385
00:19:56,560 --> 00:19:59,800
Speaker 5: Yeah, that is right. Yeah, and it feels hot spending

386
00:20:00,760 --> 00:20:04,440
Speaker 5: in terrible Yeah, totally.

387
00:20:04,480 --> 00:20:06,520
Speaker 3: Like if it was fifteen dollars for like the best

388
00:20:06,560 --> 00:20:09,399
Speaker 3: meal you've ever had, you'd never regret that. But if

389
00:20:09,400 --> 00:20:11,320
Speaker 3: it's bad food, you're like, oh, I could have just

390
00:20:11,400 --> 00:20:12,480
Speaker 3: done so much better.

391
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Speaker 2: And it's always a stale sandwich or something like. It's

392
00:20:15,720 --> 00:20:17,760
Speaker 2: never something fancy.

393
00:20:18,640 --> 00:20:21,400
Speaker 5: Yeah, that's right. And you know, like I sometimes it's

394
00:20:21,440 --> 00:20:25,160
Speaker 5: like literally, if I have toast that it's not that's

395
00:20:25,200 --> 00:20:28,159
Speaker 5: money that I'm not spending. And it's actually fine, you know,

396
00:20:28,280 --> 00:20:31,480
Speaker 5: I know already helped past the paste, like you know

397
00:20:31,480 --> 00:20:33,480
Speaker 5: what I mean, it's not going to be disappointing. And

398
00:20:33,520 --> 00:20:37,520
Speaker 5: I'm not saying totally yeah. And I also but I'm

399
00:20:37,560 --> 00:20:40,040
Speaker 5: actually I'm generally pretty good. I do Miley Spoon, by

400
00:20:40,040 --> 00:20:45,840
Speaker 5: the way, so we need to so we always have

401
00:20:45,920 --> 00:20:48,040
Speaker 5: our meals my apartment, I you know, always have our

402
00:20:48,040 --> 00:20:52,480
Speaker 5: meal spectacle work exactly because that it's all organized. We

403
00:20:52,640 --> 00:20:55,119
Speaker 5: normally don't have takeaways many times as well, once or

404
00:20:55,160 --> 00:20:59,120
Speaker 5: twice a week. And my apartment is really good at

405
00:20:59,600 --> 00:21:03,840
Speaker 5: He's not very materialistic person. So even his phund oh

406
00:21:03,880 --> 00:21:06,520
Speaker 5: my god, for me to convince the man that he

407
00:21:06,640 --> 00:21:09,520
Speaker 5: needed a new phone because even the battery was not

408
00:21:09,640 --> 00:21:14,480
Speaker 5: lasting anymore. The website, though we do have a few differences,

409
00:21:14,560 --> 00:21:17,280
Speaker 5: they are for the cultural differences because he vented a

410
00:21:17,320 --> 00:21:21,159
Speaker 5: lot of experiences. So if he feels like, Okay, I

411
00:21:21,400 --> 00:21:23,720
Speaker 5: want you to go out tonight and had some fun

412
00:21:23,720 --> 00:21:25,800
Speaker 5: and spend a thousand dollars. He doesn't think that's too

413
00:21:25,880 --> 00:21:27,919
Speaker 5: much money to spend. Uh huh, you know.

414
00:21:28,480 --> 00:21:30,160
Speaker 4: Yeah, and yeah, if I.

415
00:21:30,119 --> 00:21:31,760
Speaker 5: Go out and spend one hundred bucks, I'm like, oh

416
00:21:31,800 --> 00:21:38,240
Speaker 5: my god, unaccepted the unacceptable behavior. Black cocktail is not worth.

417
00:21:39,280 --> 00:21:44,600
Speaker 3: Yeah, exactly. So to compare that, what is your worst

418
00:21:44,720 --> 00:21:45,359
Speaker 3: money had it?

419
00:21:45,640 --> 00:21:49,480
Speaker 5: I probably have more the Sims expensive texts than I should.

420
00:21:49,720 --> 00:21:51,480
Speaker 4: Oh so you like playing the SIMS.

421
00:21:51,920 --> 00:21:56,480
Speaker 3: That is not what is absolutely not what I expected

422
00:21:56,520 --> 00:21:58,000
Speaker 3: you to say.

423
00:21:58,359 --> 00:22:00,560
Speaker 4: So you're you're telling.

424
00:22:00,359 --> 00:22:02,879
Speaker 2: Us money dorits that your worst money have it is

425
00:22:02,960 --> 00:22:05,320
Speaker 2: that you buy the Sims expense.

426
00:22:07,880 --> 00:22:12,000
Speaker 4: I am money doorrist. We have that in common.

427
00:22:13,800 --> 00:22:17,040
Speaker 3: I had to buy so during lockdown, I had to

428
00:22:17,080 --> 00:22:20,240
Speaker 3: find something to break up the day, and I downloaded

429
00:22:20,240 --> 00:22:24,239
Speaker 3: the SIMS on my partner's PlayStation. It's so expensive. And

430
00:22:24,240 --> 00:22:26,399
Speaker 3: then I wanted the Christmas pack, and I wanted the

431
00:22:26,440 --> 00:22:28,359
Speaker 3: Pets pack, and I wanted to be able to go

432
00:22:28,440 --> 00:22:29,320
Speaker 3: different places.

433
00:22:29,359 --> 00:22:30,400
Speaker 4: Like it's expensive.

434
00:22:31,560 --> 00:22:34,800
Speaker 5: People don't want to thank you. Be hard.

435
00:22:36,480 --> 00:22:39,880
Speaker 4: That's like my dirty little secret. I've never told anybody,

436
00:22:40,160 --> 00:22:42,200
Speaker 4: and here's me. You're just playing this year.

437
00:22:42,280 --> 00:22:44,480
Speaker 5: That is right. I have a hobby off a twelve

438
00:22:44,560 --> 00:22:44,960
Speaker 5: year old.

439
00:22:45,240 --> 00:22:50,840
Speaker 2: Okay, I am just I'm so rarely speechless, and I

440
00:22:50,880 --> 00:22:53,320
Speaker 2: can't believe that that's what you both just said.

441
00:22:53,600 --> 00:22:55,800
Speaker 3: If you do it on the PlayStation, you can visit

442
00:22:55,920 --> 00:22:58,479
Speaker 3: my house and I can visit your house like you

443
00:22:58,520 --> 00:22:59,720
Speaker 3: can come into my world?

444
00:22:59,800 --> 00:23:00,320
Speaker 4: Is good?

445
00:23:01,040 --> 00:23:04,000
Speaker 5: Please please let me? Yeah? No, but I and I

446
00:23:04,040 --> 00:23:07,680
Speaker 5: want them all. That's the problem. I can always just stify,

447
00:23:07,440 --> 00:23:11,200
Speaker 5: like you know, buying more the same stuff and always

448
00:23:11,240 --> 00:23:14,760
Speaker 5: and they so smart, like they break everything down, you know,

449
00:23:14,800 --> 00:23:17,720
Speaker 5: and then the it's fifty dollars, I have all the

450
00:23:17,720 --> 00:23:19,040
Speaker 5: expension takes guys.

451
00:23:19,280 --> 00:23:21,680
Speaker 4: No, But like also sometimes I bundle them.

452
00:23:21,720 --> 00:23:25,360
Speaker 3: So sometimes you can get like expansion in a bundle

453
00:23:25,440 --> 00:23:27,520
Speaker 3: and then you by yourself spending more money than you

454
00:23:27,560 --> 00:23:29,920
Speaker 3: wanted to spend because it was just good value.

455
00:23:30,320 --> 00:23:33,520
Speaker 4: Do I really want the same city living and get together?

456
00:23:33,640 --> 00:23:36,840
Speaker 3: But I really just need seasons as well, Like there's

457
00:23:36,880 --> 00:23:38,000
Speaker 3: a lot to it, guys.

458
00:23:38,080 --> 00:23:40,040
Speaker 5: Yeah, yeah, yeah. And I got on a point that

459
00:23:40,080 --> 00:23:42,520
Speaker 5: I cannot bundle anymore because you need to bundle, you

460
00:23:42,560 --> 00:23:46,520
Speaker 5: need an expansion against stuff, and I stuff back and

461
00:23:46,560 --> 00:23:48,840
Speaker 5: I already have all the expansions. That was not mad

462
00:23:48,880 --> 00:23:51,639
Speaker 5: of me, So I need to pay the full price

463
00:23:51,960 --> 00:23:54,720
Speaker 5: for the game stuff, and now I'm waiting for it

464
00:23:54,840 --> 00:23:55,760
Speaker 5: to go and to sell.

465
00:23:57,560 --> 00:23:58,639
Speaker 4: Yeah, no, I get it.

466
00:23:58,680 --> 00:24:01,400
Speaker 5: I'm a biction. I'm a different is like I wi.

467
00:24:03,080 --> 00:24:06,480
Speaker 4: I can't believe this. It's turned into Sims on the money. Honestly,

468
00:24:06,720 --> 00:24:08,000
Speaker 4: I don't know what's matter.

469
00:24:08,160 --> 00:24:11,679
Speaker 3: I think that this is is actually not that uncommon.

470
00:24:12,960 --> 00:24:14,960
Speaker 3: Like I feel like I've got a couple of girlfriends

471
00:24:15,000 --> 00:24:18,159
Speaker 3: and it's like all our sneaky little like I don't know,

472
00:24:18,359 --> 00:24:20,320
Speaker 3: we spend a lot of money on it, and it's

473
00:24:20,359 --> 00:24:24,359
Speaker 3: actually quite funny because I'm probably sending our money direst

474
00:24:24,400 --> 00:24:25,160
Speaker 3: down a rabbit hole.

475
00:24:25,200 --> 00:24:26,960
Speaker 4: She didn't need to. But did you know, like on.

476
00:24:26,920 --> 00:24:30,000
Speaker 3: Etsy you can buy houses, like you can buy like

477
00:24:30,119 --> 00:24:32,480
Speaker 3: houses that people have designed and.

478
00:24:33,640 --> 00:24:36,760
Speaker 4: You can have them important into your into your world.

479
00:24:37,000 --> 00:24:39,439
Speaker 3: So you can like buy a house that like someone

480
00:24:39,440 --> 00:24:41,119
Speaker 3: else has done, so you don't always have to like

481
00:24:41,200 --> 00:24:43,880
Speaker 3: rely on the Sims houses or the ones that you designed.

482
00:24:44,000 --> 00:24:44,200
Speaker 4: Yet.

483
00:24:44,760 --> 00:24:47,040
Speaker 5: I know about the ones for free that people share,

484
00:24:47,080 --> 00:24:48,800
Speaker 5: but I did not know you can buy you know,

485
00:24:48,880 --> 00:24:51,560
Speaker 5: you can buy them yeah and stuff?

486
00:24:51,640 --> 00:24:55,560
Speaker 2: Oh my god, Yeah, it's important to have hobbies.

487
00:24:55,600 --> 00:25:01,440
Speaker 4: I'll give you that. Thanks.

488
00:25:03,000 --> 00:25:06,720
Speaker 3: I'm trying I'm trying. Halloween has just gone. Maybe we

489
00:25:06,760 --> 00:25:09,080
Speaker 3: should have dressed up as like the SIMS characters and

490
00:25:09,119 --> 00:25:13,240
Speaker 3: gotten with your headvance, which you can also buy on Etsy.

491
00:25:13,440 --> 00:25:16,959
Speaker 2: You have gotten so distracted about the Sims chat you

492
00:25:17,000 --> 00:25:19,400
Speaker 2: haven't asked our money tarry about her grade.

493
00:25:20,280 --> 00:25:23,440
Speaker 4: So am I the only person concentrating now? I think

494
00:25:23,440 --> 00:25:24,639
Speaker 4: you're the only one that cares.

495
00:25:24,680 --> 00:25:29,080
Speaker 3: So I just we're going to take this offline, Tony.

496
00:25:29,160 --> 00:25:31,000
Speaker 4: What's the last question that we needed to.

497
00:25:31,000 --> 00:25:34,160
Speaker 2: Ask moneyitaris if we had to force you to give

498
00:25:34,200 --> 00:25:36,960
Speaker 2: your money habits A grade, what would you give yourself?

499
00:25:37,160 --> 00:25:40,040
Speaker 5: I would give myself for A I think.

500
00:25:39,480 --> 00:25:43,840
Speaker 2: Yes, I love it when looking themselves an A plus.

501
00:25:45,760 --> 00:25:48,520
Speaker 5: Yeah, no, no, no, why I think? I think mostly

502
00:25:48,560 --> 00:25:50,680
Speaker 5: because we still need to get sort of all this,

503
00:25:50,920 --> 00:25:53,439
Speaker 5: you know, our property goals and stuff like that. I

504
00:25:53,480 --> 00:25:57,000
Speaker 5: think those are thanks for us to still definitely. Yeah, Ever,

505
00:25:57,480 --> 00:26:01,560
Speaker 5: my mind's more clear about those things. I'm listening to

506
00:26:01,640 --> 00:26:05,439
Speaker 5: the Proper Playbook of course, great learning and Learney, I

507
00:26:05,480 --> 00:26:08,640
Speaker 5: love everything about it. Yeah. I think it's because right now,

508
00:26:08,720 --> 00:26:12,159
Speaker 5: until our permanent residency is granted as well, we's just

509
00:26:12,200 --> 00:26:14,119
Speaker 5: like you know, we still cannot do it. It's just

510
00:26:14,160 --> 00:26:16,720
Speaker 5: too expensive. As a foreign here, I could have I think,

511
00:26:16,760 --> 00:26:19,000
Speaker 5: my name just on the title, not on the loan,

512
00:26:19,080 --> 00:26:21,159
Speaker 5: and I'm not doing that. I'm only going for it

513
00:26:21,200 --> 00:26:23,040
Speaker 5: if I can do one hundred percent of the you know,

514
00:26:23,119 --> 00:26:26,159
Speaker 5: the whole thing. So yeah, so I think that's also

515
00:26:26,240 --> 00:26:28,800
Speaker 5: as well why we still have so many other things

516
00:26:28,800 --> 00:26:31,159
Speaker 5: to suit out, and obviously also because we still need

517
00:26:31,200 --> 00:26:33,240
Speaker 5: to get you know, probably more regional your software is

518
00:26:33,280 --> 00:26:36,680
Speaker 5: to decide where we want to move to our jobs

519
00:26:36,720 --> 00:26:39,480
Speaker 5: and all this other stuff. So yeah, that's why not

520
00:26:39,560 --> 00:26:43,720
Speaker 5: an A plus. But yeah, hopefully one day, well.

521
00:26:43,480 --> 00:26:46,160
Speaker 3: Maybe if you spent less money on SIMS expansion packs,

522
00:26:46,160 --> 00:26:49,040
Speaker 3: we could probably call urinate plus. But let's talk about

523
00:26:49,080 --> 00:26:50,760
Speaker 3: the SIMS a lot more.

524
00:26:52,480 --> 00:26:53,920
Speaker 5: On lines to my vers.

525
00:26:53,960 --> 00:26:56,560
Speaker 4: Okay, I'm sorry, I'm sorry. Right, we'll talk about it

526
00:26:56,600 --> 00:26:57,360
Speaker 4: after the break.

527
00:26:57,920 --> 00:27:00,760
Speaker 3: Jumping back into it money diary, I feel like we

528
00:27:00,840 --> 00:27:04,080
Speaker 3: have everything in common now and I'm very, very excited

529
00:27:04,119 --> 00:27:07,400
Speaker 3: about this, but I'd love to know how you've gone

530
00:27:07,640 --> 00:27:10,600
Speaker 3: essentially from zero to one hundred and sixty five thousand

531
00:27:10,640 --> 00:27:15,520
Speaker 3: dollars in a investment portfolio, and how you were confident

532
00:27:15,720 --> 00:27:19,360
Speaker 3: to go from being that person that said no investing

533
00:27:19,440 --> 00:27:22,000
Speaker 3: is gambling and now you're literally one of the biggest

534
00:27:22,080 --> 00:27:24,440
Speaker 3: advocates of it, Like, how has that happened?

535
00:27:24,520 --> 00:27:27,200
Speaker 4: What was your first step? And what can.

536
00:27:27,040 --> 00:27:29,320
Speaker 3: People listening to this money do I learned so that

537
00:27:29,359 --> 00:27:31,600
Speaker 3: they can essentially copy you, because we all want to

538
00:27:31,600 --> 00:27:32,639
Speaker 3: be you at this point.

539
00:27:32,800 --> 00:27:37,399
Speaker 5: Oh obviously we I don't think we have only made

540
00:27:37,480 --> 00:27:41,080
Speaker 5: good decisions, you know, in this process. I am I

541
00:27:41,080 --> 00:27:44,680
Speaker 5: think the conservative puzzle, you know. With my partner, he's

542
00:27:44,720 --> 00:27:46,679
Speaker 5: the one that wants to pick all the risks then

543
00:27:47,600 --> 00:27:50,600
Speaker 5: so confident about everything, and I'm always the person that

544
00:27:50,640 --> 00:27:52,800
Speaker 5: I'm like, Okay, let's have a look at that. Does

545
00:27:52,840 --> 00:27:56,080
Speaker 5: that sound like a good idea? Really? And all that stuff.

546
00:27:57,000 --> 00:28:00,680
Speaker 5: I think once I started listening to She's on the Money,

547
00:28:00,720 --> 00:28:05,080
Speaker 5: and then I started reading about you know, ats shares,

548
00:28:05,600 --> 00:28:08,840
Speaker 5: how does it work? I remember that there was an

549
00:28:08,880 --> 00:28:12,879
Speaker 5: episode that you you have recorded about the meats of investing.

550
00:28:13,200 --> 00:28:16,280
Speaker 5: Oh yeah, yeah, that one. That one was like, oh

551
00:28:16,359 --> 00:28:19,879
Speaker 5: my god, Like everything that people used to say, you

552
00:28:19,920 --> 00:28:25,560
Speaker 5: know and that are basically all myths. Really, yeah, she's right,

553
00:28:25,640 --> 00:28:27,960
Speaker 5: it doesn't make any sense thinking that.

554
00:28:28,000 --> 00:28:29,120
Speaker 4: I was so glad.

555
00:28:29,720 --> 00:28:32,399
Speaker 5: Yeah, so that gave me. Everything that you said was

556
00:28:33,000 --> 00:28:36,080
Speaker 5: like very inspirational to me and it made so much

557
00:28:36,119 --> 00:28:39,479
Speaker 5: sense that I started reading and I love the Money's

558
00:28:39,520 --> 00:28:43,800
Speaker 5: Mark website that you always recommend as well, so you know, yeah,

559
00:28:44,640 --> 00:28:47,960
Speaker 5: it's so good. Yeah, I read a lot from there,

560
00:28:48,240 --> 00:28:50,200
Speaker 5: you know, and the community as all this is on

561
00:28:50,240 --> 00:28:54,760
Speaker 5: the money community, reading about everyone's experiences and sharing ideas

562
00:28:54,800 --> 00:28:57,840
Speaker 5: and all that stuff. So I think the only thing

563
00:28:57,840 --> 00:29:01,480
Speaker 5: that made me secure before was really thinking that investing

564
00:29:01,680 --> 00:29:05,280
Speaker 5: in shares was the same as gambling, and when once

565
00:29:05,320 --> 00:29:09,000
Speaker 5: I understood and no, it's not. It's actually not even

566
00:29:09,200 --> 00:29:13,520
Speaker 5: close to gambling. It's like so so so different. Obviously,

567
00:29:13,560 --> 00:29:16,680
Speaker 5: there are risks. I'm not saying that there aren't risks.

568
00:29:16,760 --> 00:29:19,320
Speaker 5: And also, as I said, we did make a few

569
00:29:19,400 --> 00:29:22,800
Speaker 5: a couple of stupid decisions. My partner, for example, you know,

570
00:29:22,880 --> 00:29:26,720
Speaker 5: shares in one company that the thing just completely crushed

571
00:29:27,640 --> 00:29:29,560
Speaker 5: a couple of few days after and there was like

572
00:29:29,600 --> 00:29:32,920
Speaker 5: three thousand dollars that are now we're still down fifteen hundred,

573
00:29:33,440 --> 00:29:36,000
Speaker 5: fifteen hundred dollars. We're still down, you know, we're still

574
00:29:36,040 --> 00:29:40,160
Speaker 5: losing one thousand, five hundred dollars. So and yeah, so

575
00:29:40,520 --> 00:29:43,160
Speaker 5: there were a few mistakes in the way as well,

576
00:29:43,200 --> 00:29:45,600
Speaker 5: but I think overall we are learning a lot and

577
00:29:45,640 --> 00:29:48,600
Speaker 5: you know, we are actually doing things as slowly and

578
00:29:48,760 --> 00:29:51,480
Speaker 5: as we can. I think that that is not just

579
00:29:51,600 --> 00:29:55,240
Speaker 5: one company that he really believes on and that we

580
00:29:55,320 --> 00:29:57,200
Speaker 5: have a little bit more money invested on that one,

581
00:29:57,400 --> 00:30:01,400
Speaker 5: but our money is really splitting our across many different things.

582
00:30:01,520 --> 00:30:05,440
Speaker 5: So it's like exactly for the to diversified a lot

583
00:30:05,480 --> 00:30:08,240
Speaker 5: and tried to reduce their risk and all that stuff.

584
00:30:08,280 --> 00:30:11,440
Speaker 5: So yeah, and obviously it's been something that we are

585
00:30:11,480 --> 00:30:14,920
Speaker 5: doing consistently as well. I think that's what you always say,

586
00:30:15,000 --> 00:30:20,600
Speaker 5: you know, to consistently doing it. So we never wait like,

587
00:30:20,640 --> 00:30:23,080
Speaker 5: oh now we have fifty thousand dollars, let's invest. No,

588
00:30:23,520 --> 00:30:26,600
Speaker 5: we every month, we are doing a little bit, you know.

589
00:30:26,920 --> 00:30:30,480
Speaker 2: So to anybody that's listening that is feeling how you

590
00:30:30,680 --> 00:30:34,440
Speaker 2: felt before you started investing, what is the what is

591
00:30:34,480 --> 00:30:36,680
Speaker 2: the biggest piece of advice that you would give, Because

592
00:30:36,720 --> 00:30:39,000
Speaker 2: there's lots of people that are listening that are probably thinking,

593
00:30:39,280 --> 00:30:41,880
Speaker 2: oh no, I still think it's gambling, or I still

594
00:30:41,920 --> 00:30:44,840
Speaker 2: think that it's too risky. Would you just say listen

595
00:30:44,920 --> 00:30:46,360
Speaker 2: to that podcast or.

596
00:30:46,520 --> 00:30:50,680
Speaker 5: Absolutely first thing, first thing, listen to it and listen

597
00:30:50,800 --> 00:30:53,760
Speaker 5: to it. Actually hear what you're saying, you know, like

598
00:30:54,120 --> 00:30:57,440
Speaker 5: don't just listen to it, but pay attention on everything

599
00:30:57,480 --> 00:31:01,280
Speaker 5: that it's been said to you. That definitely the first thing.

600
00:31:01,320 --> 00:31:04,120
Speaker 5: And then go to the mine is my website. Please,

601
00:31:04,200 --> 00:31:07,480
Speaker 5: it's so nice, so easy, easy to understand as well,

602
00:31:07,520 --> 00:31:11,920
Speaker 5: everything is written that for you, such the words that

603
00:31:12,000 --> 00:31:14,720
Speaker 5: you don't understand. And then if you think, okay, I

604
00:31:14,720 --> 00:31:18,000
Speaker 5: think now I'm ready to invest two thousand dollars maybe,

605
00:31:18,040 --> 00:31:21,920
Speaker 5: and I'll have a look at something that looks pretty interesting,

606
00:31:22,000 --> 00:31:25,440
Speaker 5: like Victoria mentions. I have mentioned before about the blue

607
00:31:25,520 --> 00:31:28,200
Speaker 5: chip companies. Right, maybe have a look at an ETF

608
00:31:28,200 --> 00:31:30,280
Speaker 5: that has a bunch of blue chip companies and then's

609
00:31:30,320 --> 00:31:33,960
Speaker 5: performing well for a long period of time. Maybe give

610
00:31:34,000 --> 00:31:37,080
Speaker 5: it a try couple thousand dollars, you know, and wait

611
00:31:37,160 --> 00:31:40,040
Speaker 5: sometime and see what happens. And you're probably gonna see

612
00:31:40,040 --> 00:31:44,040
Speaker 5: your money growing. Yeah, And that's going to motivate you,

613
00:31:44,240 --> 00:31:48,400
Speaker 5: because when you see your money working for you, girl, Yeah,

614
00:31:48,080 --> 00:31:48,680
Speaker 5: that's when.

615
00:31:49,440 --> 00:31:50,800
Speaker 4: I need it working hard.

616
00:31:50,880 --> 00:31:53,600
Speaker 5: Yeah. And that's when you think, I'm not going to

617
00:31:53,640 --> 00:31:56,440
Speaker 5: buy that you know blouse that cost study dolls. Already

618
00:31:56,480 --> 00:31:58,760
Speaker 5: have so many in my wardrobe. I cannot justify that

619
00:31:58,840 --> 00:32:01,080
Speaker 5: thirty bucks. I bet as well, that's.

620
00:32:00,920 --> 00:32:04,640
Speaker 3: The advice I need for myself right now going back

621
00:32:04,680 --> 00:32:07,360
Speaker 3: to work after lockdown, I feel like maybe I need

622
00:32:07,360 --> 00:32:09,520
Speaker 3: a couple of new tops to make me feel excited

623
00:32:09,520 --> 00:32:11,160
Speaker 3: about going back to the office.

624
00:32:11,680 --> 00:32:13,320
Speaker 5: But the life is now as well, you know.

625
00:32:13,520 --> 00:32:16,960
Speaker 3: Yeah, okay, thank you, thank you money diarist. I have

626
00:32:17,160 --> 00:32:20,080
Speaker 3: another question you mentioned before the break that your partner

627
00:32:20,120 --> 00:32:23,640
Speaker 3: and you have very different backgrounds, Like for you, spending

628
00:32:23,640 --> 00:32:27,600
Speaker 3: one hundred dollars is massive and it feels like a lot,

629
00:32:27,640 --> 00:32:29,800
Speaker 3: and you feel guilty if it's not on the sims

630
00:32:30,400 --> 00:32:33,719
Speaker 3: and your partner can go out and potentially spend one

631
00:32:33,720 --> 00:32:35,440
Speaker 3: thousand dollars in the night and he's like, no, that's

632
00:32:35,440 --> 00:32:37,880
Speaker 3: a good night, Like I deserved that, and he's budgeted

633
00:32:37,920 --> 00:32:41,040
Speaker 3: for it. But I'm assuming you couldn't comprehend that. How

634
00:32:41,040 --> 00:32:45,120
Speaker 3: are you dealing with those different money stories in your relationship?

635
00:32:45,280 --> 00:32:48,400
Speaker 5: That was one of the biggest challenges in our relationship

636
00:32:48,760 --> 00:32:53,880
Speaker 5: was dealing with the you know, the perspectives on these things.

637
00:32:54,160 --> 00:32:56,880
Speaker 5: We have a few things that are amazing and macaus

638
00:32:56,880 --> 00:32:59,120
Speaker 5: it's strong as a couple, Like we have the same goals,

639
00:32:59,160 --> 00:33:01,720
Speaker 5: you know, we both want to own a home one day.

640
00:33:02,000 --> 00:33:04,920
Speaker 5: We both enjoy investing, we both want to have kids

641
00:33:04,960 --> 00:33:08,560
Speaker 5: and all that stuff. But you know, we had those differences.

642
00:33:08,640 --> 00:33:10,840
Speaker 5: We had to change the way that we do our

643
00:33:10,880 --> 00:33:14,080
Speaker 5: finances a couple of times until we got to the

644
00:33:14,080 --> 00:33:16,800
Speaker 5: point now where we both have a little bit of freedom.

645
00:33:17,160 --> 00:33:19,480
Speaker 5: You know, we we both we have our joint finances,

646
00:33:19,480 --> 00:33:22,720
Speaker 5: but we both also have money that he spends the

647
00:33:22,760 --> 00:33:24,400
Speaker 5: way that he prefers and I spend the way that

648
00:33:24,440 --> 00:33:27,400
Speaker 5: I prefer And to me, it took a long time

649
00:33:27,480 --> 00:33:31,040
Speaker 5: as well and a few therapy sessions to get on

650
00:33:31,080 --> 00:33:34,320
Speaker 5: a point where I actually trust that he's going to

651
00:33:34,360 --> 00:33:37,320
Speaker 5: continue committing with what he has told me that he

652
00:33:37,400 --> 00:33:40,800
Speaker 5: will be doing, not that he had that he went before,

653
00:33:40,920 --> 00:33:43,400
Speaker 5: and you know, we spent all our money now really not,

654
00:33:43,680 --> 00:33:46,120
Speaker 5: but just because you know those couple of times that

655
00:33:46,160 --> 00:33:48,200
Speaker 5: he went out with his friends and spent more than

656
00:33:48,240 --> 00:33:51,440
Speaker 5: I thought it was reasonable to me to for me

657
00:33:51,560 --> 00:33:53,680
Speaker 5: to build the trust again and like, okay, he's not

658
00:33:53,760 --> 00:33:55,800
Speaker 5: going to do that again. It took a while, and

659
00:33:56,000 --> 00:33:59,280
Speaker 5: took it took changing our finances set up a few times.

660
00:33:59,480 --> 00:34:02,000
Speaker 5: My partner comes from a he has a money story

661
00:34:02,000 --> 00:34:06,520
Speaker 5: that is very similar to mine. Yeah, a little bit

662
00:34:06,560 --> 00:34:10,400
Speaker 5: similar to mine. I wouldn't say very similar actually his

663
00:34:10,520 --> 00:34:14,160
Speaker 5: family also that they didn't have much either for kids.

664
00:34:15,239 --> 00:34:17,240
Speaker 5: He grew up in a tiny city in New Zealand,

665
00:34:17,520 --> 00:34:19,600
Speaker 5: mom working in the weekend so she could stay with

666
00:34:19,600 --> 00:34:22,600
Speaker 5: the kids during the week and dad working during the week.

667
00:34:23,000 --> 00:34:25,719
Speaker 5: And then you know, he has memoirs of like not

668
00:34:25,800 --> 00:34:28,560
Speaker 5: being able to go to a birthday of one of

669
00:34:28,680 --> 00:34:31,040
Speaker 5: his little friends because the parents couldn't buy a gift

670
00:34:31,280 --> 00:34:32,960
Speaker 5: and it was going to be embarrassed if he went

671
00:34:33,040 --> 00:34:35,840
Speaker 5: without taking a gift. So for him, growing up was

672
00:34:35,840 --> 00:34:40,359
Speaker 5: not like with abundance either. But he started he went

673
00:34:40,400 --> 00:34:43,920
Speaker 5: to army when he was seventeen and that was a

674
00:34:43,960 --> 00:34:46,719
Speaker 5: pretty good wage for seventeen year old. He stayed for

675
00:34:46,800 --> 00:34:49,399
Speaker 5: a few years and he didn't have an expenses pretty much.

676
00:34:49,480 --> 00:34:52,279
Speaker 5: So it was like out of their pay check, a

677
00:34:52,360 --> 00:34:55,640
Speaker 5: little bit of money for the accommodation, a little contribution

678
00:34:55,719 --> 00:34:58,600
Speaker 5: that they used to do, and a little bit for food.

679
00:34:58,719 --> 00:35:01,319
Speaker 5: And when they were doing missions overseas, he wouldn't even

680
00:35:01,400 --> 00:35:04,440
Speaker 5: get that charge from him. Everything was on the government.

681
00:35:04,520 --> 00:35:08,360
Speaker 5: So wow. Yeah, so he didn't have even the occasions

682
00:35:08,400 --> 00:35:10,319
Speaker 5: to spend as well, because they couldn't really go out

683
00:35:10,360 --> 00:35:13,120
Speaker 5: partying all the time. When you say that, yeah, so,

684
00:35:13,719 --> 00:35:16,560
Speaker 5: but once he left, he's blew all that money and

685
00:35:16,840 --> 00:35:19,799
Speaker 5: now as well everything that we are building together. So

686
00:35:19,840 --> 00:35:22,279
Speaker 5: I think for him it's the motivation comes a lot

687
00:35:22,360 --> 00:35:26,000
Speaker 5: from that because two years and eight months ago, before

688
00:35:26,000 --> 00:35:30,160
Speaker 5: I moved in, everything was just a mess and now

689
00:35:30,200 --> 00:35:32,960
Speaker 5: we actually have a structure for stuff. And I said

690
00:35:32,960 --> 00:35:35,240
Speaker 5: about I don't let the men spend, but I'm actually

691
00:35:35,640 --> 00:35:38,200
Speaker 5: it's something that I work with myself, So I am

692
00:35:38,239 --> 00:35:40,880
Speaker 5: not the controlling person that is controlling what he does,

693
00:35:41,040 --> 00:35:43,439
Speaker 5: you know what I mean, because yeah, definitely not that way.

694
00:35:43,760 --> 00:35:46,840
Speaker 3: Yeah, I think what I'm most impressed with is you

695
00:35:47,000 --> 00:35:49,840
Speaker 3: just told me a lot about your partner's money story.

696
00:35:50,080 --> 00:35:53,080
Speaker 3: And I don't think a lot of people actually know

697
00:35:53,680 --> 00:35:57,200
Speaker 3: their partner's money story so deeply, like to know, Yeah,

698
00:35:57,239 --> 00:35:59,120
Speaker 3: actually part of his money story of was not being

699
00:35:59,160 --> 00:36:01,080
Speaker 3: able to go to a part and that was, you know,

700
00:36:01,160 --> 00:36:03,000
Speaker 3: something that has shaped him and this is how he

701
00:36:03,040 --> 00:36:05,360
Speaker 3: spent money when he was eighteen and then this is

702
00:36:05,400 --> 00:36:08,319
Speaker 3: how it changed. Like to be honest, I don't like

703
00:36:08,360 --> 00:36:10,880
Speaker 3: I've spoken a lot with my partner about money stories,

704
00:36:10,920 --> 00:36:14,759
Speaker 3: but I just don't have those pinpoint details like you

705
00:36:14,960 --> 00:36:17,080
Speaker 3: have where I've been able to go, Okay, I can

706
00:36:17,120 --> 00:36:20,200
Speaker 3: see it from his perspective, and maybe that's because our

707
00:36:20,280 --> 00:36:24,120
Speaker 3: upbringing was relatively similar, so there's never been that need of,

708
00:36:24,400 --> 00:36:27,440
Speaker 3: you know, having that conversation. But I'm just so impressed

709
00:36:27,480 --> 00:36:29,560
Speaker 3: that you know so much about that and you're like, no,

710
00:36:29,920 --> 00:36:31,920
Speaker 3: I know what I need as well. You mentioned going

711
00:36:31,960 --> 00:36:34,839
Speaker 3: to therapy and getting through those things and that being

712
00:36:34,880 --> 00:36:38,359
Speaker 3: a really pivotal part of your relationship. And now once

713
00:36:38,400 --> 00:36:42,240
Speaker 3: you've gone through all that, you're obviously absolutely flying together.

714
00:36:42,320 --> 00:36:44,640
Speaker 3: And it doesn't mean you don't you know, have stumbling

715
00:36:44,680 --> 00:36:47,120
Speaker 3: blocks or have things that you're like, oh, he still

716
00:36:47,160 --> 00:36:49,759
Speaker 3: grinds my gears on that, but like you clearly have

717
00:36:49,840 --> 00:36:51,520
Speaker 3: a mutual respect for one another.

718
00:36:51,680 --> 00:36:54,360
Speaker 4: That's really beautiful. Like that is so cool.

719
00:36:54,480 --> 00:36:59,680
Speaker 5: Thank you. Yeah, it's definitely. It's been a long way.

720
00:36:59,719 --> 00:37:02,440
Speaker 5: I think. I think it's because the one ear of

721
00:37:02,560 --> 00:37:06,560
Speaker 5: long distance relationship was amazing for us in terms of communication,

722
00:37:07,239 --> 00:37:11,280
Speaker 5: because we had nothing else, you know, like we could

723
00:37:11,320 --> 00:37:14,160
Speaker 5: only talk and we used to have like three hours

724
00:37:14,200 --> 00:37:20,080
Speaker 5: conversations nearly every day and trying to work around as

725
00:37:20,120 --> 00:37:22,800
Speaker 5: well our schedulers and the fact that Brazil is thirteen

726
00:37:22,840 --> 00:37:26,000
Speaker 5: hours behind Australia time wise.

727
00:37:25,680 --> 00:37:29,080
Speaker 3: So you've got to be really committed to that relationship work.

728
00:37:30,239 --> 00:37:33,080
Speaker 5: So now we've built a really strong friendship and so

729
00:37:33,160 --> 00:37:36,400
Speaker 5: every problem, every problem that we have and everything that happens.

730
00:37:36,520 --> 00:37:39,160
Speaker 5: We do talk a lot, you know, we do. And

731
00:37:39,200 --> 00:37:42,160
Speaker 5: we had so many conversations about that because to me,

732
00:37:42,239 --> 00:37:44,319
Speaker 5: it was a non negotiable, you know what I mean,

733
00:37:44,400 --> 00:37:48,399
Speaker 5: like living life always fighting about that. I wasn't going

734
00:37:48,440 --> 00:37:51,320
Speaker 5: to be able to live that way, always having arguments

735
00:37:51,360 --> 00:37:53,800
Speaker 5: about the same thing. And I think it was a

736
00:37:53,840 --> 00:37:55,840
Speaker 5: little bit the same way, you know, like we needed

737
00:37:55,880 --> 00:37:59,480
Speaker 5: to get to the same page about that subject. And

738
00:37:59,520 --> 00:38:02,879
Speaker 5: now I think Quare and obviously Weny through safe things again.

739
00:38:02,920 --> 00:38:05,680
Speaker 5: It's done at once, why not we can do it again? Probably?

740
00:38:06,640 --> 00:38:07,560
Speaker 4: I love that.

741
00:38:08,040 --> 00:38:11,200
Speaker 3: So you're saying, to make my relationship stronger, I've got

742
00:38:11,200 --> 00:38:14,080
Speaker 3: to send Steve away as far as Brazil.

743
00:38:14,480 --> 00:38:16,200
Speaker 4: Yeah right, I'll take.

744
00:38:16,600 --> 00:38:17,680
Speaker 5: The poor man who thought.

745
00:38:17,920 --> 00:38:20,600
Speaker 3: I'll take that under consideration. I'll keep the pets for

746
00:38:20,640 --> 00:38:23,160
Speaker 3: the year. He can go live his best life over there.

747
00:38:23,280 --> 00:38:26,480
Speaker 3: I think it's a genius move that will only make

748
00:38:26,600 --> 00:38:27,120
Speaker 3: us stronger.

749
00:38:30,239 --> 00:38:32,640
Speaker 5: I love my country, don't get me wrong. And for

750
00:38:32,760 --> 00:38:36,880
Speaker 5: everyone listening, really go go to visits is amazing, But

751
00:38:37,239 --> 00:38:42,360
Speaker 5: for living don't do that to the moment for a

752
00:38:42,400 --> 00:38:44,120
Speaker 5: lot of reasons. Well, I would love.

753
00:38:44,080 --> 00:38:47,040
Speaker 4: To visit Brazil one day. I know Steve already has

754
00:38:47,080 --> 00:38:48,160
Speaker 4: and he loved it, so.

755
00:38:48,120 --> 00:38:51,960
Speaker 3: Hopefully he can take me back so easy.

756
00:38:52,440 --> 00:38:52,959
Speaker 5: How cool?

757
00:38:54,680 --> 00:38:55,840
Speaker 4: So just very quickly.

758
00:38:56,040 --> 00:38:58,839
Speaker 2: Obviously, you mentioned in your email that you're going through

759
00:38:58,880 --> 00:39:01,759
Speaker 2: the visa process, and I understand it's a little bit

760
00:39:01,760 --> 00:39:04,680
Speaker 2: different for your partner and you because he's a key

761
00:39:04,719 --> 00:39:07,680
Speaker 2: way and obviously we've got some you know, close friendship

762
00:39:07,680 --> 00:39:09,560
Speaker 2: there with our mates from across the ditch.

763
00:39:10,600 --> 00:39:12,759
Speaker 4: But how has that been for you?

764
00:39:12,840 --> 00:39:16,200
Speaker 2: Has it been really difficult and really hard because there

765
00:39:16,280 --> 00:39:18,640
Speaker 2: was times when you probably couldn't work full time and

766
00:39:18,680 --> 00:39:19,439
Speaker 2: stuff like that.

767
00:39:20,440 --> 00:39:23,080
Speaker 5: Yeah. So in terms of visa, first time that I

768
00:39:23,120 --> 00:39:26,239
Speaker 5: came to Australia, I came on a student visa. I

769
00:39:26,280 --> 00:39:29,040
Speaker 5: stayed for three semesters and I came with the scholarships

770
00:39:29,040 --> 00:39:32,760
Speaker 5: from the Brazilian government and that was the biggest monu

771
00:39:32,760 --> 00:39:37,240
Speaker 5: win of my life. Yeah, it was amazing. They paid

772
00:39:37,320 --> 00:39:41,200
Speaker 5: for the whole thing, seeing the whole thing. I did

773
00:39:41,200 --> 00:39:43,400
Speaker 5: three semesters of UNI. He it was one semester of

774
00:39:43,440 --> 00:39:48,440
Speaker 5: English and two semesters of UNI and unifies for international students.

775
00:39:48,640 --> 00:39:51,719
Speaker 5: You have heard already how expensive that. Yeah, just the

776
00:39:51,920 --> 00:39:54,600
Speaker 5: English course, it was twenty thousand dollars the thing.

777
00:39:55,080 --> 00:39:58,719
Speaker 2: Oh and the Brazilian government covered all of that, everything,

778
00:39:58,800 --> 00:40:01,320
Speaker 2: everything com and everything.

779
00:40:01,040 --> 00:40:04,200
Speaker 5: In terms of accommodation and student transport. They gave us

780
00:40:04,239 --> 00:40:07,000
Speaker 5: it was four hundred and twenty dollars per week. Then

781
00:40:07,040 --> 00:40:09,279
Speaker 5: we could use that my nature pay for you know,

782
00:40:09,440 --> 00:40:13,080
Speaker 5: rent and food, and we could work twenty hours, you know.

783
00:40:13,120 --> 00:40:16,360
Speaker 5: On the student visit that we had was the graduate visa,

784
00:40:16,680 --> 00:40:19,160
Speaker 5: we could actually work as well, twenty hours. And I

785
00:40:19,200 --> 00:40:22,200
Speaker 5: did a little bit of working back then. Yeah, so

786
00:40:23,320 --> 00:40:26,000
Speaker 5: I have had the experience of living here with as

787
00:40:26,040 --> 00:40:28,239
Speaker 5: a student visa. But I know how privileged I was

788
00:40:28,280 --> 00:40:30,720
Speaker 5: that I didn't have to worry about bills, paying unique,

789
00:40:30,840 --> 00:40:34,040
Speaker 5: paying school and all that stuff. And then after the

790
00:40:34,080 --> 00:40:37,239
Speaker 5: streets and Methadon went back to Brazil, we reconnected when

791
00:40:37,280 --> 00:40:40,480
Speaker 5: I was in Brazil. So that's why one year of

792
00:40:40,520 --> 00:40:42,640
Speaker 5: long distance. I was in Brazil for two years after

793
00:40:42,640 --> 00:40:45,879
Speaker 5: my exchange, but we worked together for one year of

794
00:40:45,960 --> 00:40:49,279
Speaker 5: this time because we reconnected, started talking and then all

795
00:40:49,320 --> 00:40:52,359
Speaker 5: that stuff. Yeah, and then when I came back, I

796
00:40:52,440 --> 00:40:55,000
Speaker 5: came on a visit to visit to apply a family

797
00:40:55,080 --> 00:40:57,560
Speaker 5: visa with him when I was in Australia, so I

798
00:40:57,600 --> 00:41:00,000
Speaker 5: couldn't work for those three first months for that reason,

799
00:41:00,440 --> 00:41:03,240
Speaker 5: and then after that I could already work full time.

800
00:41:03,600 --> 00:41:07,759
Speaker 5: I didn't have Medicare though, until we applied the permanent residency.

801
00:41:08,160 --> 00:41:09,160
Speaker 4: Oh wow.

802
00:41:09,440 --> 00:41:12,880
Speaker 5: Yeah, so obviously not complain at all, you know, paying

803
00:41:12,880 --> 00:41:16,600
Speaker 5: for health insurance. That's absolutely totally fine. Since we applied

804
00:41:16,640 --> 00:41:19,480
Speaker 5: the permanent residency two months ago, now I have Medicare

805
00:41:19,520 --> 00:41:22,720
Speaker 5: and all that, So really not complaining. And I also

806
00:41:23,120 --> 00:41:26,400
Speaker 5: to mention that we have the very privileged situation where

807
00:41:27,000 --> 00:41:30,200
Speaker 5: my first family visa was like not even four hundred dollars.

808
00:41:30,200 --> 00:41:33,840
Speaker 5: It was really cheap, yeah, as a family member of

809
00:41:33,880 --> 00:41:36,400
Speaker 5: a New Zealand citizen. And now when we applied for

810
00:41:36,480 --> 00:41:40,520
Speaker 5: the PR it was we paid the twenty percent first

811
00:41:40,680 --> 00:41:43,359
Speaker 5: for the two of us together, there was I think

812
00:41:43,480 --> 00:41:46,160
Speaker 5: nearly two thousand dollars something like that, and then the

813
00:41:46,200 --> 00:41:49,080
Speaker 5: next part, the next eighty percent there will be another

814
00:41:49,440 --> 00:41:50,680
Speaker 5: nearly six grants.

815
00:41:50,840 --> 00:41:53,040
Speaker 4: I think that's so expensive.

816
00:41:53,800 --> 00:41:56,759
Speaker 5: Yeah, but you know, you're talking about basically the citizenship

817
00:41:56,760 --> 00:41:59,279
Speaker 5: of a country like Australia for two people. I know

818
00:41:59,400 --> 00:42:01,920
Speaker 5: it's expended into and I know it's really difficult to

819
00:42:01,960 --> 00:42:05,960
Speaker 5: go through immigration there far. I am still living because

820
00:42:06,360 --> 00:42:10,080
Speaker 5: I was one of those unluckys, unlikely people that the

821
00:42:10,120 --> 00:42:12,800
Speaker 5: file is probably on the bottom of they draw somewhere,

822
00:42:13,120 --> 00:42:15,760
Speaker 5: and I'm still on a bridging visa, so I apply

823
00:42:15,920 --> 00:42:18,960
Speaker 5: to pament and residency before my New Zealand family visit,

824
00:42:19,040 --> 00:42:24,360
Speaker 5: even God granted. And yeah, and that those delays and stuff,

825
00:42:24,360 --> 00:42:27,520
Speaker 5: and I understand, I appreciate how busy the department is,

826
00:42:27,560 --> 00:42:30,000
Speaker 5: but you know, those delays they do cause you a

827
00:42:30,000 --> 00:42:33,760
Speaker 5: lot of anxiety as well, because my life, my partner,

828
00:42:33,840 --> 00:42:36,759
Speaker 5: you know, like my entire life, whole life. Yeah, I'm

829
00:42:36,800 --> 00:42:38,879
Speaker 5: not even willing to go to my country to visit

830
00:42:38,920 --> 00:42:41,360
Speaker 5: because I cannot be stuck there because my entire life

831
00:42:41,440 --> 00:42:44,800
Speaker 5: is here. So you know, it does cause you with

832
00:42:45,320 --> 00:42:48,560
Speaker 5: an immigrant, you have a few difficult things that you

833
00:42:48,640 --> 00:42:52,560
Speaker 5: go through that nobody knows, kind of like the exciting

834
00:42:52,600 --> 00:42:55,880
Speaker 5: about the immigrations is part of it. And obviously, you know,

835
00:42:56,000 --> 00:42:58,560
Speaker 5: missing a family the whole time. So two years and a.

836
00:42:58,640 --> 00:43:01,880
Speaker 4: Month, well that sounds really hard.

837
00:43:02,280 --> 00:43:05,400
Speaker 5: Yeah, it's a little bit difficult, I think, But at

838
00:43:05,400 --> 00:43:07,840
Speaker 5: the same time I do acknowledge, you know, all my

839
00:43:07,960 --> 00:43:09,720
Speaker 5: privilege around all those things.

840
00:43:10,160 --> 00:43:12,680
Speaker 3: Yeah, but at the same time, you've worked so hard

841
00:43:12,760 --> 00:43:15,600
Speaker 3: for this, and that's a level of stress and anxiety

842
00:43:15,600 --> 00:43:19,239
Speaker 3: that I can't understand because I've never been in that situation.

843
00:43:19,719 --> 00:43:22,319
Speaker 3: But I can't imagine being like, Okay, well, if I

844
00:43:22,360 --> 00:43:25,960
Speaker 3: do want to go see my family, then I could

845
00:43:26,000 --> 00:43:29,160
Speaker 3: get stuck there and I could actually not be able

846
00:43:29,200 --> 00:43:31,960
Speaker 3: to return. And there's obviously a lot to that, Like

847
00:43:32,000 --> 00:43:35,479
Speaker 3: it's in a way not fair, especially because you're doing

848
00:43:35,480 --> 00:43:37,520
Speaker 3: the process properly and you're going through it and you're

849
00:43:37,560 --> 00:43:39,480
Speaker 3: willing to pay for it, and you're contributing to our

850
00:43:39,520 --> 00:43:42,480
Speaker 3: economy and you're contributing to our society, and like, we're

851
00:43:42,520 --> 00:43:44,600
Speaker 3: so lucky to have people like you wanting to live

852
00:43:44,640 --> 00:43:47,799
Speaker 3: with us, Like how cool is that that people like

853
00:43:47,880 --> 00:43:49,799
Speaker 3: you are like, no, we want to come and live

854
00:43:49,880 --> 00:43:53,640
Speaker 3: in your country and do what we do, Like we're

855
00:43:53,719 --> 00:43:54,640
Speaker 3: the lucky ones.

856
00:43:55,239 --> 00:43:58,040
Speaker 5: Oh, thank you. That's really really nice to hear. But

857
00:43:58,360 --> 00:44:02,520
Speaker 5: you know, on that note, I always I've never felt

858
00:44:02,560 --> 00:44:07,040
Speaker 5: discriminated in Australia, which is very privileged. Good yeah to me.

859
00:44:07,960 --> 00:44:11,120
Speaker 5: And you know, I even in terms of workplace, I

860
00:44:11,239 --> 00:44:13,880
Speaker 5: did hear one or two comments a few times, you

861
00:44:13,920 --> 00:44:17,759
Speaker 5: know about yeah, because I do work for government right

862
00:44:17,800 --> 00:44:20,319
Speaker 5: in the public hospital. So sometimes you come across one

863
00:44:20,400 --> 00:44:23,840
Speaker 5: or two things, but overall, really like, I feel like

864
00:44:23,920 --> 00:44:27,359
Speaker 5: Brazilians are really welcome into Australia, Like we feel really

865
00:44:27,400 --> 00:44:30,759
Speaker 5: welcome me. And yeah, we have a lifestyle that's quite

866
00:44:30,800 --> 00:44:33,960
Speaker 5: similar to the Australian lifestyle, living outside, going to the beach,

867
00:44:34,000 --> 00:44:37,279
Speaker 5: doing barbecues and all that stuff. So it was not

868
00:44:37,680 --> 00:44:40,560
Speaker 5: hard for me to decide living here. And I know

869
00:44:40,800 --> 00:44:43,880
Speaker 5: how lucky I am seriously to be, you know, so

870
00:44:44,000 --> 00:44:46,680
Speaker 5: privileged to live in this Country's amazing country to live in.

871
00:44:47,800 --> 00:44:51,000
Speaker 3: Oh well, we're lucky to have you. But unfortunately, I

872
00:44:51,040 --> 00:44:53,920
Speaker 3: do think that that is all we have time for today.

873
00:44:54,440 --> 00:44:57,360
Speaker 3: So just before we head off, we'd like to acknowledge

874
00:44:57,400 --> 00:45:01,960
Speaker 3: and pay respect to Australia's Aboriginal and Torus right islander peoples.

875
00:45:02,280 --> 00:45:05,719
Speaker 3: They're the traditional custodians of the lands, the waterways and

876
00:45:05,760 --> 00:45:09,360
Speaker 3: the skies all across Australia. We thank you for sharing

877
00:45:09,440 --> 00:45:11,279
Speaker 3: and the caring for the land on which we.

878
00:45:11,280 --> 00:45:12,279
Speaker 4: Are able to learn.

879
00:45:12,640 --> 00:45:15,480
Speaker 3: We pay respects to elders past and present, and we

880
00:45:15,560 --> 00:45:17,560
Speaker 3: share our friendship and our kindness.

881
00:45:17,600 --> 00:45:20,160
Speaker 2: The advice shared on She's on the Money is generally

882
00:45:20,280 --> 00:45:24,000
Speaker 2: nature and does not consider your individual circumstances. She's on

883
00:45:24,080 --> 00:45:27,319
Speaker 2: the money exists purely for educational purposes and should not

884
00:45:27,360 --> 00:45:30,640
Speaker 2: be relied upon to make an investment or any financial decision.

885
00:45:31,080 --> 00:45:34,840
Speaker 2: And we promise that Victoria Devine is an authorized representative

886
00:45:35,040 --> 00:45:38,640
Speaker 2: of Australia Pacific Funds Management for prior to limited ABN

887
00:45:38,719 --> 00:45:41,160
Speaker 2: three four one three two four six three two five

888
00:45:41,239 --> 00:45:44,240
Speaker 2: seven AFSL three three nine one five one.

889
00:45:44,280 --> 00:45:47,319
Speaker 4: I'll see you next week, guys. But Tony, we'll see

890
00:45:47,360 --> 00:45:48,439
Speaker 4: you around boy.

891
00:45:49,160 --> 00:45:49,520
Speaker 2: Bye.

892
00:45:51,719 --> 00:45:53,440
Speaker 4: No, I'm just I'm so upset.

893
00:45:53,480 --> 00:45:55,680
Speaker 2: I finally remembered all those numbers and now I don't

894
00:45:55,680 --> 00:45:56,600
Speaker 2: need to read them again.

895
00:45:57,920 --> 00:46:00,120
Speaker 3: Well, I can get you in for guest episode, so

896
00:46:00,160 --> 00:46:03,000
Speaker 3: you can just do the end your next right, guys,