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Speaker 1: My name's Sasha Bamblet. I'm a proud First Nations woman

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Speaker 1: and I'm here to acknowledge country t Glenn Young Ganya,

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Speaker 1: Niana Kaka yah y and Binahaka Nian our gay In

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Speaker 1: Mbini yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Bumba ban

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Speaker 1: Gadabomba in and now in wakah Ghana on yak rum

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Speaker 1: Jar water Nadaa. Hello, beautiful friends, we gather on the

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Speaker 1: lands of the Aboriginal people. We thank, acknowledge and respect

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Speaker 1: the Abiginal people's land that we're gathering on today. Take

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Speaker 1: pleasure in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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

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

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Speaker 3: that makes personal finance fun, especially on Fridays. It's our

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Speaker 3: favorite day of the week because we get our team

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Speaker 3: together and we celebrate you the incredible. She's on the

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Speaker 3: Money community Ms. Jess Gri She's here checking our pronunciation

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Speaker 3: to make sure everything's right, but also we'll be sharing

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Speaker 3: her favorite money wins and tips and tricks, and Miss

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Speaker 3: Besayed has a number of good broke tips for us.

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Speaker 3: This week, we're going to also be helping to answer

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Speaker 3: a money dilemma, which this week is asking, how do

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Speaker 3: you know if you're buying a property in the market

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Speaker 3: peak and something you slid into our dms? About what

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Speaker 3: do you do if your partner is in forty thousand

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Speaker 3: dollars worth of debt and they're just not in a

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Speaker 3: hurry to pay it off. Interesting? But before we get there,

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Speaker 3: how are your weeks?

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Speaker 4: He's been lovely.

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Speaker 5: I have nothing exciting to report it all. I'm afraid,

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Speaker 5: just gorgeous.

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Speaker 4: Live and love and love.

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Speaker 6: No news is good news.

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Speaker 4: Yeah, how about you?

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Speaker 7: My week's been really good technically because we're recording a

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Speaker 7: few days earlier this week. Cheeky, cheeky, when you hear this,

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Speaker 7: I am in Thailand. I will be in Thailand or

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Speaker 7: maybe just coming back.

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Speaker 3: Actually, so you'll be in Thailand.

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Speaker 4: You'll be in Thailand.

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Speaker 3: You'll be enjoying in Thailand. So if everybody could just

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Speaker 3: shut their eyes for a second, if you're not driving, Yes,

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Speaker 3: and imagine Beck on a beach with a coconut.

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Speaker 6: Yes, we've got to come out feel like that.

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Speaker 3: I've got a man.

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Speaker 5: If we're fantasizing, there's no vage fantasizing that Beck quits vaping.

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Speaker 5: I also accept her as she is, Like I just

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Speaker 5: like her the way she is, so that's fine.

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Speaker 3: But also we shouldn't be romanticizing that. That's not any

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Speaker 3: that's really bad. That's it's so funny.

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Speaker 7: I've watched a full like emotional roles, you just fantasizing

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Speaker 7: about my.

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Speaker 5: For you.

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Speaker 3: But also I feel like in Thailand, like this is

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Speaker 3: not good, but like I feel like you're gonna have

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Speaker 3: a limited access to of apes. Yeah, you're fine in Thailand,

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Speaker 3: but you've been trying to stop.

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Speaker 4: I have good faith in your self control, thank you

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Speaker 4: so much.

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Speaker 3: I have no faith in I don't have any faith

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Speaker 3: in my own self control. So I wish I could

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Speaker 3: help you back there. Like as much as we are

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Speaker 3: complete polar opposites when it comes to our ADHD same same.

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Speaker 6: Yeah, yeah, completely agree.

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Speaker 7: I did like one of those personality tests and self

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Speaker 7: like what's the word self regulation? So regulation and like

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Speaker 7: impulse control was my lowest and so I'm like, I

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Speaker 7: don't have any faith you were like, I.

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Speaker 3: Have no surprises on thisa.

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Speaker 6: No surprises, but I.

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Speaker 3: So tricks on how they quit vaping. Yeah, let me

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Speaker 3: know right into our DMS, because I feel like this

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Speaker 3: is nice an uncommon experience.

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Speaker 7: No, I don't think so, I think, yeah, let me

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Speaker 7: know how you did it, very very grateful and maybe

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Speaker 7: I'll use one or two of those tips.

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Speaker 6: But yes, So currently right out in Thailand and living

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Speaker 6: it up. So great week. I gotta tell you.

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Speaker 4: Great week. You guys.

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Speaker 3: I love that for you. I mean I just got

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Speaker 3: back from Bali, and so I'm a little bit salty

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Speaker 3: that you're technically in Thailand right now, because there's nothing

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Speaker 3: like just escaping the winter for a bit. Oh yeah,

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Speaker 3: But like you escape, you feel amazing. It's so warm.

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Speaker 3: And then you catch your flight and like, I don't

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Speaker 3: know if you're like me, No, I know you're like me.

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Speaker 3: We pick the inconvenient flight times, not because they're inconvenient,

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Speaker 3: but because they're much cheaper.

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Speaker 4: Oh yeah.

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Speaker 3: And so you fly back into Melbourne one am and

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Speaker 3: you're like, I have to get back to my car.

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Speaker 3: I have to put a baby into the car. It's

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Speaker 3: bloody cold, it's freezing. He's upset and this is not

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Speaker 3: the Bali vibes that I had prior. Oh yeah, I

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Speaker 3: feel like I'm on my post holiday blues. I get it,

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Speaker 3: and you're just rubbing it in my face. That's nice,

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Speaker 3: but also what a privilege we get to holiday? How good?

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Speaker 6: Yeah, that's so true.

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Speaker 4: Good pray we look at it.

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Speaker 3: So would you guys like to hear a little five

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Speaker 3: star review from the week that was Please all right,

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Speaker 3: sit down because this one is cute. This one is

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Speaker 3: reread and she says love you guys, absolutely love listening

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Speaker 3: to you. Every single week. I never miss an episode

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Speaker 3: and I'm always looking forward to the next one. Since

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Speaker 3: finding She's on the Money, I've learned so much about

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Speaker 3: managing my money, particularly investing. I have started reading Victoria's

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Speaker 3: books and I'm finding them so helpful in my current

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Speaker 3: money journey. I honestly wish there was more than three

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Speaker 3: episodes a week. Oh that's so cute. Someone slid into

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Speaker 3: my DMS like a month ago and was like Victoria, like,

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Speaker 3: I don't mean to be a pest, but like, you

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Speaker 3: need to do more episodes a week. I was like,

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Speaker 3: girliea or where we do? Like no podcast does three

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Speaker 3: like that's a lot. And she's like, yeah, I actually

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Speaker 3: binge listened to them all on a Friday and then

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Speaker 3: have only one day where like I can listen to

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Speaker 3: your podcast, So you're just going to need to step

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Speaker 3: it up. And I was like, girl, the only recommendation

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Speaker 3: I have is putting us in slow mo.

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Speaker 6: We can do more, I mean, just can do more.

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Speaker 4: Okay, yeah, you.

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Speaker 3: Guys do that. And also I want nothing to do

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Speaker 3: with the planning process because that actually takes a really

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Speaker 3: long time. I'm pretty sure our producer Emma is scowling

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Speaker 3: at you right now. She also wants to kill you.

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Speaker 3: We are trying our best.

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Speaker 5: Yeah, if I was put in charge of it would

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Speaker 5: not be finance. It would just be something.

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Speaker 3: It's just like the Jess and Beck wrap up of

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Speaker 3: the week, and it's just yacking about literally favorite tiktoks

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Speaker 3: of the week.

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Speaker 6: Imagine, Oh my god.

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Speaker 3: I love it. Someone and someone said we need to

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Speaker 3: give Beck her own podcast in my DMS and I

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Speaker 3: was like, that is really sweet, but no, we do not.

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Speaker 3: Like Becky is amazing, But can you imagine if Beck

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Speaker 3: wasn't in a controlled environment, like and she just had

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Speaker 3: her own Beck show, it would be great. People would

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Speaker 3: love it, but you would not be able to predict

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Speaker 3: what was about to happen, what's going to be on

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Speaker 3: the show.

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Speaker 4: Who knows?

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Speaker 6: Maybe twelve hours long as well.

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Speaker 3: Yeah, like the episodes would go for six years. My

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Speaker 3: husband actually said he started a twenty hour podcast the

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Speaker 3: other day, and I was like, I would.

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Speaker 4: Never like an episode was twenty hour yep.

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Speaker 3: And I was like, oh, that was actually crazy science

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Speaker 3: and I was like, yes, okay, cool. I mean, you

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Speaker 3: can't trust this man's podcast recommendations. He listens to cricket podcasts,

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Speaker 3: He listens to science podcasts and history podcasts, which find

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Speaker 3: slaking like pop off, but like I get in his

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Speaker 3: car sometimes and like it automatically starts playing, and I'm like,

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Speaker 3: this is so blend. What are you doing?

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Speaker 6: It's really good, Like some people just have their brain.

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Speaker 4: My husband straight. I don't want to.

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Speaker 3: Say about it, but I just feel really bad for

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Speaker 3: my son because he gets in the car with his

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Speaker 3: dad and has to listen to this drivel.

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Speaker 4: He's going to be so smart mostify.

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Speaker 5: I don't know what the verb osmosis is, but he's

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Speaker 5: going to soak it all up.

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Speaker 3: He's going to soak it all up alright, Well, I

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Speaker 3: am praying for that because the big brains aren't coming

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Speaker 3: from my side of the family, Miss jessic Rici. When

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Speaker 3: it comes to money, wins and confessions, what are you

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Speaker 3: bringing all right?

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Speaker 5: First of this week, I've got one from Julia, who

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Speaker 5: said her parents were helping her do a huge yard

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Speaker 5: clean up on the weekend, including cutting back a big

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Speaker 5: tree that was starting to overhang, and her eber mentioned

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Speaker 5: that their council offers four free green waist drop offs

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Speaker 5: at the dump every year. Hey, that's a good deal,

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Speaker 5: I want to remind every and you also get free recycled.

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Speaker 4: Well maybe it's not every council. My council.

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Speaker 3: My coucle does it as well.

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Speaker 5: Free recycling drop off, so if your recycling being's getting full,

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Speaker 5: you can take it to your generally local for free.

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Speaker 5: So always worth checking account's website exactly as Julia did. Next,

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Speaker 5: I've got a money in from Christy, who said she

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Speaker 5: had got a money in from last week. She had

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Speaker 5: been wanting to hit her daughter a mini Yoho player

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Speaker 5: for her birthday, so she's been tracking both marketplace and

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Speaker 5: the website for a deal mini Yodo player for anyone

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Speaker 5: playing at home.

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Speaker 4: What's the other version of the Kyoto?

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Speaker 6: And then.

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Speaker 4: I really want to get one Friday.

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Speaker 3: It's like basically an audio book player. The cool put

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Speaker 3: cards in. It looks like a little bit like an

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Speaker 3: old school cassette player. You put the card in and

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Speaker 3: it plays like music or talking books or educational content

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Speaker 3: or it is the Tony Box, which is what my

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Speaker 3: son has. And I picked it, not sponsored, by the way,

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Speaker 3: I just purchased it for him. I picked it because

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Speaker 3: it's like a box and it's like soft, so easy,

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Speaker 3: and he's like one and a half. And it has

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Speaker 3: characters that magnet to the top of it and the

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Speaker 3: character's magnet and then it's got like songs and books

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Speaker 3: and stuff on it.

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Speaker 4: Cool.

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Speaker 6: Oh one of those I just got.

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Speaker 4: It look really fun.

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Speaker 3: I want to get so yeah. The tactile nature of

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Speaker 3: it was like, oh, that's probably better for someone younger,

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Speaker 3: but the Yoto looks very cool as well.

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Speaker 5: Well. Christy managed to find someone a marketplace. You had

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Speaker 5: a ten percent discount, and then the website had up

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Speaker 5: to twenty percent off, so she's caored herself thirty percent

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Speaker 5: off in total.

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Speaker 3: That's such a good deal.

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Speaker 5: Really well done, and I feel like When they first came,

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Speaker 5: those things weren't going on sale. But now they've been

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Speaker 5: in Australia for a little bit, they are starting to discount.

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Speaker 5: I feel like me and you've been wanting to get one,

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Speaker 5: keep an eye out.

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Speaker 3: Yeah, and also marketplace is great for that's great, like

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Speaker 3: they just grow out of it and mums put it

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Speaker 3: up there for much cheaper. And to be honest, they're

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Speaker 3: pretty well made, so I put her is shoes pretty sturdy. Next,

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Speaker 3: I got money in from Natasha, who said she bought

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Speaker 3: four or five liter bottles of engine oil on sale

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Speaker 3: last week. That's exactly what I always go looking for.

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Speaker 5: She said they were half priced and much cheaper than

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Speaker 5: I had been in ages. That means that she can

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Speaker 5: service her and her husband's car for approximately fifty one

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Speaker 5: dollars across the next yard.

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Speaker 3: Excuse me, that.

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Speaker 6: Is such a slay.

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Speaker 3: What do you mean you are servicing your husband's car?

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Speaker 4: I can't. That's what we love to see. But it's

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Speaker 4: really cool.

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Speaker 3: Well it's thought cheap apparently that's very beck coded.

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Speaker 6: Oh yeah, I love it.

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Speaker 5: Next, I've got a money loss from Gemma, which I

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Speaker 5: giggled aut just because I could really relate said money loss.

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Speaker 5: I really need to stop shopping at TKX because I

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Speaker 5: never leave empty.

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Speaker 3: That's jam.

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Speaker 5: I love tex That's where if anyone wants to know

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Speaker 5: where to get good Halloween DECORX for it.

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Speaker 4: Yeah, because they're American.

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Speaker 3: Remember the time we went to America and then you

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Speaker 3: brought home a whole suitcase full of plastic pumpkins.

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Speaker 4: I use them every year.

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Speaker 3: I'd love to go back into shade just like probably

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Speaker 3: the one of the funniest moments ever. And then we're

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Speaker 3: with the rest of the team. Beck, Sorry you weren't there,

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Speaker 3: because you would have made that really fun. It already

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Speaker 3: was fun, but you would have taken it to the

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Speaker 3: next level. Jess was negotiating with the rest of the

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Speaker 3: team because she brought too many pumpkins. Could get a

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Speaker 3: plastic pumpkin into their suitcase to smuggle it back to Australia.

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Speaker 7: If you had a hole in the top, then you

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Speaker 7: just put things in there. It's almost like didn't do well.

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Speaker 5: I think I got to seven of various sizes in

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Speaker 5: my already very full suit.

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Speaker 6: Jess, I need to.

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Speaker 7: Tell you that if you get a witch's head like

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Speaker 7: thing casing, you can grow your pumpkins into a witch's head.

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Speaker 6: That's so fine and I just need to do that.

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Speaker 3: Do you grow pumpkins? I have a but it's an option.

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Speaker 7: I think I want to get into it this year

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Speaker 7: is yes, because honestly, because of.

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Speaker 6: You's so fun.

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Speaker 3: Alright.

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Speaker 5: Lastly, this week, I've got a money from Erica, who

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Speaker 5: said she got her library membership renewed so she could

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Speaker 5: get some audiobooks from the app Libby instead of paying

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Speaker 5: for Audible or buying from Apple. She said she's already

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Speaker 5: listened to Ikey Guy and is now listening to the

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Speaker 5: Money Diaries book.

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Speaker 3: Okay, that means she probably did my best year yet,

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Speaker 3: of course, which will obviously come back in January next

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Speaker 3: year again. But Ikey Guy is a very good book

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Speaker 3: for you to read if you are trying to find

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Speaker 3: your passion in life and also get paid for it,

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Speaker 3: which we love that outcome.

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Speaker 4: An ekey guy. That was what I was looking at

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Speaker 4: the part.

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Speaker 3: It's a Japanese concept of finding like contentment in life.

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Speaker 3: So there's like four different components and I'm going to

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Speaker 3: murder it off the top of my head, but like

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Speaker 3: what you like doing, what the community and the world needs,

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Speaker 3: and what you can get paid for, and like what

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Speaker 3: skills you have, and so like how do you bring

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Speaker 3: those things together? Because I think sometimes we need a

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Speaker 3: framework to kind of help us work out what we

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Speaker 3: want to do with our lives. But then it's also

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Speaker 3: not that helpful. Honestly, if I'm like, oh, Jess, well

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Speaker 3: what do you like doing? Well, that's very different than

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Speaker 3: what do you like doing? But can also get paid for?

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Speaker 8: Me?

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Speaker 5: That you could?

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Speaker 3: I reckon Jess if she got another side hustle would

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Speaker 3: be one of those women who goes and decorates other

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Speaker 3: people's Christmas trees.

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Speaker 4: That's my dream, I know.

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Speaker 3: I thought about starting.

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Speaker 5: Actually I don't want to share my business idea because

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Speaker 5: what if one day I do it? But I had

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Speaker 5: a Christmas themesue raiding business idea?

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Speaker 3: Can you just do that for my house?

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Speaker 4: Absolutely?

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Speaker 3: When I was pregnant with Harvey, to help me set

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Speaker 3: up my Christmas tree and it never has looked better.

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Speaker 6: So yeah, I will pay you to do mine.

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Speaker 4: This here, you don't have to pay me. I do

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Speaker 4: have a freak.

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Speaker 6: Oh business labor.

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Speaker 3: I love you will definitely take advantage if they're able

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Speaker 3: to miss be show me what have you got when

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Speaker 3: it comes to broke tips.

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Speaker 7: Okay, so this first one comes from Stepha Best and

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Speaker 7: Less Friends Club, Best.

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Speaker 6: And Less, Oh my god.

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Speaker 3: Friends Club is Q.

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Speaker 4: They do great kids and babies clothes.

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Speaker 3: I am aware. I am to day care in bloody

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Speaker 3: Country Road. It's not happening you are wearing Best unless

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Speaker 3: you are wearing k Mart. I don't even know how.

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Speaker 3: But the other day he came home with paint on

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Speaker 3: his back.

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Speaker 6: Oh FLEXI booking, but you know.

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Speaker 3: Where You're just like, I don't know how that happens,

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Speaker 3: but I'm glad that that was on a kmart jumper.

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Speaker 6: Best and Less God, I need to go back in there.

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Speaker 7: I'm also like, I always tie them to my head

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Speaker 7: with Lows, but I know the separate But they do actually.

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Speaker 3: Have good trading. You've never been into Low's.

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Speaker 6: Low's is great. I love Lows.

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Speaker 3: What are you buying Lows? I feel like all they

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Speaker 3: sell is Hawaiian shirts because whenever I walk past the store,

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Speaker 3: they've just got Hawaiian shirts in the front. So I'm like, this,

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Speaker 3: this is not my that's the dream.

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Speaker 5: Track.

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Speaker 6: They just do work clothes and Hawaiian T shirts.

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Speaker 4: And party shirts.

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Speaker 6: So strange. Yeah, I think you go in there fools

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Speaker 6: like you.

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Speaker 7: Good basics. Yeah, you're trading clothes and stuff like that.

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00:14:33,440 --> 00:14:35,480
Speaker 7: Best and Less Friends Club. Make sure you log into

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Speaker 7: your account and you can add yours plus your partners

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Speaker 7: and five more birthdays. Each birthday month you get a

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Speaker 7: fifty percent off voucher sent out.

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Speaker 6: That's seven months of coupons.

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Speaker 4: Because you do.

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Speaker 7: Yourself, your partner and five other birthdays. Can you do

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Speaker 7: yourself and six other people?

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Speaker 6: My cat, my other.

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Speaker 3: Cat, exactly exactly, cat that I don't have yet. Sure,

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Speaker 3: his birthday is on the nineteenth of August, your original

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Speaker 3: du eight.

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Speaker 6: It was two weeks late, so I get the fourteenth

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Speaker 6: and the thirtieth.

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Speaker 3: Those tiktoks of people being like, I'm going out to

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Speaker 3: celebrate today, Can I get myself a sweet treat and

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Speaker 3: a gift, and then they go because I wasn't born today,

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Speaker 3: but I could have been, and if I was, it

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Speaker 3: would have been my birthday.

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Speaker 6: Really respect every day could have been our birthdays. They

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Speaker 6: could be birthday could be.

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Speaker 3: It wasn't, but it could have been, and we should

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Speaker 3: celebrate that.

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Speaker 7: Absolutely, I agree. So I think that's really great and

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Speaker 7: exactly it's just it's perfect. Kids in baby clothes and

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Speaker 7: school basics, or stocking up on little hair.

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Speaker 6: Trinkets for birthday presents. Ah, they's so cute.

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Speaker 7: The next one comes from Mikayla, who says, find a

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Speaker 7: company that sells laundry liquid to hotels, et cetera in

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Speaker 7: twenty kilo lots.

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Speaker 3: Oh that's huge.

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Speaker 7: They pay seventy dollars for twenty kilos of concentrate water

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Speaker 7: down and lasts over two years.

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Speaker 6: That's three people five horses worth of laundry. Wow, what

377
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Speaker 6: kind of laundry the horses use?

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Speaker 3: Horses?

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Speaker 5: Like? I think?

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Speaker 3: Can they have little legg warms because they do aerobics?

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Speaker 5: Oh?

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Speaker 6: That's so.

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Speaker 3: It's very clear that I do not drive past like

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Speaker 3: you go down the morning to Peninsul. Do not drive

385
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Speaker 3: past all the horses in their little coats.

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Speaker 6: They do get little coats on. Yeah, I don't know

387
00:16:13,400 --> 00:16:15,440
Speaker 6: you wash those. I would just chuck them in the garden.

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Speaker 3: And I just feel like, I don't know when it's

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Speaker 3: rude to not point out animals as you're driving. And

390
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Speaker 3: I have to be like, oh, look, Steve cows and

391
00:16:24,440 --> 00:16:28,960
Speaker 3: he's like cool horses, horses, high horses, and Steve's like

392
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Speaker 3: I have married a child that's a cute. Not to

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00:16:33,480 --> 00:16:35,600
Speaker 3: those horses look so fancy their jackets.

394
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Speaker 4: Today and even more fun on their babies.

395
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Speaker 3: Your mummy made you look so nice today.

396
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Speaker 6: That is so cute.

397
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Speaker 3: I am so lame.

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00:16:43,400 --> 00:16:45,960
Speaker 7: Something that's cute is made so much cute that when

399
00:16:46,000 --> 00:16:48,000
Speaker 7: someone talks to it in such like a little like

400
00:16:48,080 --> 00:16:49,840
Speaker 7: oh yeah, it's like your dog voice.

401
00:16:50,080 --> 00:16:51,120
Speaker 6: It's so cute.

402
00:16:51,160 --> 00:16:53,800
Speaker 3: You can't have your normal voice when talking to an

403
00:16:54,840 --> 00:16:58,440
Speaker 3: I don't think they understand. They don't understand before.

404
00:16:58,520 --> 00:17:01,400
Speaker 7: Yeah, and then my tip, my friend sent me a

405
00:17:01,440 --> 00:17:02,520
Speaker 7: link the other day and she said, oh my god,

406
00:17:02,560 --> 00:17:04,600
Speaker 7: you should sign up for Andy Lee's one.

407
00:17:04,560 --> 00:17:07,240
Speaker 6: Hundred and you get one hundred dollars. And I haven't

408
00:17:07,240 --> 00:17:09,240
Speaker 6: got one hundred dollars yet. I saw someone who did it.

409
00:17:09,280 --> 00:17:12,520
Speaker 3: Did you do it? I'm sorry Sandy Lee starting a

410
00:17:12,520 --> 00:17:13,240
Speaker 3: Ponzi scheme?

411
00:17:13,720 --> 00:17:15,239
Speaker 6: Yeah, I think so. But no, I don't know if

412
00:17:15,240 --> 00:17:16,719
Speaker 6: you guys have seen. It's like it's on very late

413
00:17:16,720 --> 00:17:18,800
Speaker 6: at night. I mean maybe it's not, but everything feels

414
00:17:18,840 --> 00:17:19,119
Speaker 6: late to me.

415
00:17:19,200 --> 00:17:24,440
Speaker 7: But he does this show where he asks one hundred

416
00:17:24,480 --> 00:17:26,760
Speaker 7: people like you can't you kind of joined via zoom

417
00:17:26,960 --> 00:17:28,920
Speaker 7: is the vibe and then you're like a few guests

418
00:17:29,320 --> 00:17:31,800
Speaker 7: and they ask a question like how many of you

419
00:17:31,840 --> 00:17:32,480
Speaker 7: pick your nose?

420
00:17:32,520 --> 00:17:32,919
Speaker 4: You know what I mean?

421
00:17:33,000 --> 00:17:34,639
Speaker 6: Something like that for example, and you just have to

422
00:17:34,720 --> 00:17:35,600
Speaker 6: join zoom.

423
00:17:35,920 --> 00:17:38,640
Speaker 7: You're on the show, but like you're very you can't

424
00:17:38,640 --> 00:17:40,240
Speaker 7: even you're not even noticeable, you know what I mean,

425
00:17:40,359 --> 00:17:42,680
Speaker 7: because you're among a hundred other faces or ninety nine

426
00:17:42,680 --> 00:17:44,600
Speaker 7: other faces, I should say. And then yeah, so I

427
00:17:44,640 --> 00:17:46,640
Speaker 7: signed up, Yeah, we all signed up, and we haven't

428
00:17:46,640 --> 00:17:49,080
Speaker 7: got one hundred dollars yet, but I think you're you

429
00:17:49,080 --> 00:17:51,359
Speaker 7: gonna be on the show. I haven't heard back, but

430
00:17:51,760 --> 00:17:53,040
Speaker 7: so I think, yeah, I think you do need to

431
00:17:53,080 --> 00:17:54,000
Speaker 7: actually make it onto the show.

432
00:17:54,040 --> 00:17:55,760
Speaker 3: I would assume that, Yeah, I would assume if you

433
00:17:55,800 --> 00:17:57,480
Speaker 3: go on the show you get paid one hundred dollars,

434
00:17:57,520 --> 00:17:59,800
Speaker 3: because that makes sense. Otherwise it's a three hundred dollars.

435
00:17:59,840 --> 00:18:01,680
Speaker 3: And then I'm like, Andy Lee, we got a chatter

436
00:18:01,720 --> 00:18:03,720
Speaker 3: you're running a Konzi scheme. If so, how do I

437
00:18:03,760 --> 00:18:04,160
Speaker 3: get in?

438
00:18:04,400 --> 00:18:06,320
Speaker 7: But I just think it's such a because the chances

439
00:18:06,320 --> 00:18:08,600
Speaker 7: of being picked, you're just like you're just a random

440
00:18:08,600 --> 00:18:09,560
Speaker 7: face on a random screen.

441
00:18:09,560 --> 00:18:10,440
Speaker 6: Of course you're gonna be picked.

442
00:18:10,600 --> 00:18:11,320
Speaker 4: But that now that.

443
00:18:11,280 --> 00:18:13,640
Speaker 3: Broke people money went to expand on that you can

444
00:18:13,720 --> 00:18:16,120
Speaker 3: like sign up for TV shows to be in the audience.

445
00:18:16,480 --> 00:18:19,520
Speaker 3: I remember one time I was this is so first world,

446
00:18:19,560 --> 00:18:22,119
Speaker 3: but I was overseas so I couldn't go. But Gabby

447
00:18:22,200 --> 00:18:24,320
Speaker 3: and I, who used to work here, we signed up

448
00:18:24,400 --> 00:18:25,960
Speaker 3: because we were like, we want to go and be

449
00:18:26,000 --> 00:18:30,600
Speaker 3: in the audience of Thank God you're here, it's so good.

450
00:18:30,880 --> 00:18:33,800
Speaker 3: And we signed up and then they said the tickets

451
00:18:33,800 --> 00:18:37,760
Speaker 3: weren't transferable, but I wasn't in the country, and Gabby's like, oh, well,

452
00:18:37,960 --> 00:18:39,720
Speaker 3: it's you've got a ticket, and I've got a ticket.

453
00:18:39,760 --> 00:18:42,280
Speaker 3: And then her friend pretended to be Victoria, so if

454
00:18:42,280 --> 00:18:46,399
Speaker 3: anyone ran into Victoria, I thank god you're here, it

455
00:18:46,520 --> 00:18:47,080
Speaker 3: wasn't me.

456
00:18:48,280 --> 00:18:49,719
Speaker 6: That would be so fun to watch.

457
00:18:49,800 --> 00:18:51,760
Speaker 3: Yeah, I was really envious because that's one of the

458
00:18:51,760 --> 00:18:53,720
Speaker 3: shows I've watched since I was teeny tiny, and I

459
00:18:53,760 --> 00:18:56,679
Speaker 3: just feel like that would be a fun show to

460
00:18:56,720 --> 00:18:59,600
Speaker 3: be in the audience off where some other shows might

461
00:18:59,640 --> 00:19:01,320
Speaker 3: be like a little bit boring, but that could be

462
00:19:01,320 --> 00:19:03,600
Speaker 3: a fun date night. Sign up for all these shows, and.

463
00:19:03,560 --> 00:19:05,080
Speaker 4: The Taskmaster, I reckon would be.

464
00:19:07,560 --> 00:19:09,120
Speaker 6: But you're not there for the task. You're just there

465
00:19:09,119 --> 00:19:10,640
Speaker 6: for them watching their task, and then.

466
00:19:10,520 --> 00:19:13,520
Speaker 4: They do the live task the live task Yes, true,

467
00:19:13,640 --> 00:19:14,920
Speaker 4: I love that would be cool.

468
00:19:15,040 --> 00:19:17,040
Speaker 3: Can we run She's on the money task Master?

469
00:19:17,600 --> 00:19:17,800
Speaker 5: Oh?

470
00:19:18,240 --> 00:19:19,920
Speaker 4: That would be fun, so fun.

471
00:19:20,160 --> 00:19:22,200
Speaker 3: I feel like that would be a good YouTube series.

472
00:19:22,240 --> 00:19:23,920
Speaker 4: It would be a good YouTube series. You would both

473
00:19:24,000 --> 00:19:25,080
Speaker 4: suck because.

474
00:19:26,520 --> 00:19:30,119
Speaker 3: Because because the adhd of at all, all.

475
00:19:29,960 --> 00:19:32,440
Speaker 5: The information you need is in the task You can't

476
00:19:32,480 --> 00:19:34,600
Speaker 5: even the amount of times that whoever was hosting would

477
00:19:34,600 --> 00:19:35,600
Speaker 5: have to say that to you too.

478
00:19:36,000 --> 00:19:40,000
Speaker 3: Hold on so true, Jess. You were able to get

479
00:19:40,040 --> 00:19:41,639
Speaker 3: out of escape rooms, aren't you?

480
00:19:41,760 --> 00:19:43,240
Speaker 4: I love an escape room?

481
00:19:43,720 --> 00:19:46,160
Speaker 3: Have you ever successfully escaped an escape room?

482
00:19:46,240 --> 00:19:46,400
Speaker 1: No?

483
00:19:46,680 --> 00:19:47,200
Speaker 3: Yeah, neither.

484
00:19:48,160 --> 00:19:50,560
Speaker 4: Everything feels like I'm going but she's on.

485
00:19:50,480 --> 00:19:54,280
Speaker 3: The money, She's on the money task Master would be

486
00:19:54,480 --> 00:19:55,119
Speaker 3: very fun.

487
00:19:55,359 --> 00:19:56,840
Speaker 6: Well, we'll work shop, we'll come back to them.

488
00:19:57,320 --> 00:19:59,800
Speaker 3: How do we marry? She's on the money task Master?

489
00:20:00,200 --> 00:20:05,359
Speaker 3: But like somehow with money and budgeting and maths tips easy? Well,

490
00:20:05,600 --> 00:20:09,200
Speaker 3: producer was used to work in TV. Hey, emma, emma

491
00:20:09,280 --> 00:20:14,720
Speaker 3: help some more work anyway? All right, that sounds really good.

492
00:20:14,960 --> 00:20:17,480
Speaker 6: That's it from my end. I love that I have

493
00:20:17,520 --> 00:20:18,200
Speaker 6: to go to a break.

494
00:20:18,280 --> 00:20:20,480
Speaker 3: We have to talk about task Master a little bit more,

495
00:20:20,520 --> 00:20:22,200
Speaker 3: and after the break we're going to help answer a

496
00:20:22,280 --> 00:20:25,120
Speaker 3: money dilemma, which this week is all about asking, how

497
00:20:25,160 --> 00:20:27,080
Speaker 3: do you know if you're buying a property at the

498
00:20:27,160 --> 00:20:30,240
Speaker 3: market peak and something that you slid into our dms

499
00:20:30,240 --> 00:20:32,240
Speaker 3: about what do you do if your partner's forty grand

500
00:20:32,280 --> 00:20:34,440
Speaker 3: in debt but doesn't seem to be in any type

501
00:20:34,440 --> 00:20:36,720
Speaker 3: of hurry to pay it off? Don't go anywhere?

502
00:20:40,520 --> 00:20:43,119
Speaker 4: Welcome back, everybody. Let's take a listen to this week's

503
00:20:43,200 --> 00:20:44,080
Speaker 4: money dilemma.

504
00:20:46,240 --> 00:20:46,400
Speaker 8: Hi.

505
00:20:46,480 --> 00:20:49,240
Speaker 9: There, have you got a money dilemma you just can't solve?

506
00:20:49,400 --> 00:20:51,600
Speaker 9: The Sheese on the Money Team is here to help.

507
00:20:51,920 --> 00:20:54,960
Speaker 9: Every week we tackle your dilemmas, both big and small,

508
00:20:55,000 --> 00:20:57,000
Speaker 9: to answer your most burning money.

509
00:20:56,720 --> 00:20:58,080
Speaker 3: Career and life questions.

510
00:20:58,280 --> 00:21:00,960
Speaker 9: To get involved, simply head to our and leave us

511
00:21:00,960 --> 00:21:03,359
Speaker 9: a short voice recording and you might just find yourself

512
00:21:03,400 --> 00:21:05,840
Speaker 9: on the show. Now, let's take a listen to this

513
00:21:05,960 --> 00:21:08,440
Speaker 9: week's money dilemma.

514
00:21:10,040 --> 00:21:13,000
Speaker 8: Hi, She's on the Money Team. I'm trying really hard

515
00:21:13,040 --> 00:21:17,560
Speaker 8: to break into the Brisbane property market, but wow, prices,

516
00:21:17,680 --> 00:21:21,000
Speaker 8: especially hey units have gone through the roof. I recently

517
00:21:21,040 --> 00:21:23,399
Speaker 8: read on domain that prices are now at levels that

518
00:21:23,440 --> 00:21:25,840
Speaker 8: would have been laughable a few years ago, which is

519
00:21:26,080 --> 00:21:29,760
Speaker 8: so true. I'm currently priced out of everything except for

520
00:21:29,840 --> 00:21:32,919
Speaker 8: the cheapest suburbs. But here's the catch. Those suburbs are

521
00:21:32,960 --> 00:21:36,800
Speaker 8: now being flagged as potentially overvalued too. How do I

522
00:21:36,840 --> 00:21:39,719
Speaker 8: figure out if I'm buying at the peak of the market.

523
00:21:40,160 --> 00:21:43,520
Speaker 8: I get that Brisbane's growth is likely to continue with

524
00:21:43,600 --> 00:21:46,760
Speaker 8: the Olympics coming, but I'm terrified of making a bigger

525
00:21:46,800 --> 00:21:50,640
Speaker 8: money mistake, but also scared of being completely pushed out

526
00:21:50,640 --> 00:21:51,400
Speaker 8: of the property game.

527
00:21:51,640 --> 00:21:53,520
Speaker 3: Does not make sense, all right, I have a lot

528
00:21:53,560 --> 00:21:55,600
Speaker 3: of thoughts and feelings. Beck, how do you know if

529
00:21:55,600 --> 00:21:57,000
Speaker 3: you're buying in the market peak?

530
00:21:57,200 --> 00:22:00,399
Speaker 7: I'm the perfect person to ask, because Hi, she's a

531
00:22:00,480 --> 00:22:06,159
Speaker 7: property kind of kind of sewer. Honestly, I would not

532
00:22:06,480 --> 00:22:08,280
Speaker 7: have a single clue.

533
00:22:08,359 --> 00:22:10,080
Speaker 6: I don't know. I don't know anything about property. I

534
00:22:10,119 --> 00:22:12,159
Speaker 6: don't I am they do, and.

535
00:22:11,920 --> 00:22:13,600
Speaker 3: Good you get it getting rentals.

536
00:22:13,960 --> 00:22:15,800
Speaker 6: I'm really good to getting rentals, But that's I don't know.

537
00:22:15,840 --> 00:22:16,120
Speaker 9: I don't.

538
00:22:16,320 --> 00:22:17,119
Speaker 3: I fear that.

539
00:22:16,960 --> 00:22:19,040
Speaker 6: That's probably not going to be helpful.

540
00:22:19,080 --> 00:22:22,280
Speaker 7: But also I do know that, like there are some

541
00:22:22,480 --> 00:22:25,480
Speaker 7: rentals where like people are just kind of like they're

542
00:22:25,520 --> 00:22:28,040
Speaker 7: sticking to the market whatever the average is in the area,

543
00:22:28,160 --> 00:22:30,120
Speaker 7: but they're not fixing up the house. So I don't

544
00:22:30,200 --> 00:22:32,639
Speaker 7: like I'm just gonna go for whatever. I'd never looking

545
00:22:32,760 --> 00:22:36,200
Speaker 7: for the best property, and like, am I paying too much?

546
00:22:36,240 --> 00:22:37,480
Speaker 6: I just I know I'm paying too much? And what

547
00:22:37,480 --> 00:22:38,359
Speaker 6: can I do about it? Nothing?

548
00:22:38,600 --> 00:22:41,040
Speaker 7: So I'm probably the best person asked, But I guess

549
00:22:41,040 --> 00:22:44,360
Speaker 7: I would just think about what, like lifestyle wise, which

550
00:22:44,400 --> 00:22:46,440
Speaker 7: is not this is not financial advice at all obviously,

551
00:22:46,640 --> 00:22:48,760
Speaker 7: but like lifestyle wise, do I want to be living

552
00:22:49,000 --> 00:22:49,639
Speaker 7: out further?

553
00:22:50,440 --> 00:22:51,520
Speaker 4: Are you in.

554
00:22:51,480 --> 00:22:52,639
Speaker 6: A mad rush right now?

555
00:22:52,800 --> 00:22:54,080
Speaker 7: I know what you mean by like, if you wait,

556
00:22:54,200 --> 00:22:58,120
Speaker 7: you're gonna be like completely pushed out of the game altogether. God,

557
00:22:58,200 --> 00:23:00,000
Speaker 7: I don't know what I would do, but I probably

558
00:23:00,040 --> 00:23:02,320
Speaker 7: would prioritize lifestyle and I would be like, well, if

559
00:23:02,359 --> 00:23:05,040
Speaker 7: I can't afford to buy or live where I want to,

560
00:23:05,480 --> 00:23:07,399
Speaker 7: where it's close to my community, close to my friends,

561
00:23:07,840 --> 00:23:08,840
Speaker 7: I'm going to rent forever.

562
00:23:09,119 --> 00:23:09,679
Speaker 6: And that's me.

563
00:23:10,800 --> 00:23:11,359
Speaker 4: That's not fair.

564
00:23:11,400 --> 00:23:14,240
Speaker 3: That's call miss jessci. What are we looking at?

565
00:23:14,359 --> 00:23:15,359
Speaker 4: There? So a few things you can look at.

566
00:23:15,359 --> 00:23:17,200
Speaker 5: You can look at auction clearance rates is normally a

567
00:23:17,240 --> 00:23:20,080
Speaker 5: pretty good indicator if your clearance rates are decently high.

568
00:23:20,119 --> 00:23:20,640
Speaker 4: What do I mean?

569
00:23:21,160 --> 00:23:21,240
Speaker 2: So?

570
00:23:21,359 --> 00:23:24,680
Speaker 5: Clearance rate is how what percentage of houses sell at auction?

571
00:23:24,960 --> 00:23:26,960
Speaker 3: Just because of house goes for auction doesn't mean it

572
00:23:26,960 --> 00:23:30,119
Speaker 3: gets brought. Yes, So every week, like real estate dot

573
00:23:30,160 --> 00:23:33,320
Speaker 3: com dot UU and domain dot com dot U published

574
00:23:33,400 --> 00:23:36,400
Speaker 3: data and say, of one hundred percent of the auctions

575
00:23:36,400 --> 00:23:39,679
Speaker 3: that went ahead, fifty seven percent of those properties sold.

576
00:23:40,280 --> 00:23:43,480
Speaker 3: And the higher that percentage, the more market appetite there

577
00:23:43,560 --> 00:23:44,320
Speaker 3: is to purchase.

578
00:23:44,520 --> 00:23:45,000
Speaker 6: I see.

579
00:23:45,400 --> 00:23:47,000
Speaker 4: So auction clearance rates are good indicator.

580
00:23:47,040 --> 00:23:48,720
Speaker 5: If not a lot of houses are selling, it's probably

581
00:23:48,720 --> 00:23:51,000
Speaker 5: a good indication that either people can't afford them, they're

582
00:23:51,200 --> 00:23:54,600
Speaker 5: priced out, expectations are too high, and so you might

583
00:23:54,640 --> 00:23:56,560
Speaker 5: see like a little bit of a backslide. I will

584
00:23:56,560 --> 00:23:59,360
Speaker 5: say that like historically, as much as we talk about

585
00:23:59,359 --> 00:24:03,639
Speaker 5: the peak of the market, prices haven't really dropped, so

586
00:24:03,720 --> 00:24:06,959
Speaker 5: to speak, Like they've kind of just increased at a

587
00:24:07,040 --> 00:24:09,920
Speaker 5: slower pace at least in the last like maybe five

588
00:24:10,000 --> 00:24:12,879
Speaker 5: to ten years. Even during COVID, there was like a

589
00:24:12,920 --> 00:24:16,160
Speaker 5: prediction that there would be a huge troth and like, yes,

590
00:24:16,840 --> 00:24:19,320
Speaker 5: like things absolutely did dip out during COVID, although I

591
00:24:19,359 --> 00:24:22,760
Speaker 5: think that's really an extenuating circumstance, but there is predictions

592
00:24:22,760 --> 00:24:24,760
Speaker 5: that there would be a secondary drop in the years

593
00:24:24,800 --> 00:24:28,000
Speaker 5: following that just didn't happen. So I don't know that

594
00:24:28,080 --> 00:24:31,400
Speaker 5: like looking at the peak of the market, so to speak,

595
00:24:31,920 --> 00:24:34,480
Speaker 5: is the most helpful. Think it's kind of like investing right,

596
00:24:34,560 --> 00:24:37,080
Speaker 5: like you can try and time it, but like if

597
00:24:37,080 --> 00:24:39,040
Speaker 5: you actually knew how to time it, it'd be so

598
00:24:39,200 --> 00:24:42,160
Speaker 5: rich correct. So I would more so be looking at

599
00:24:42,200 --> 00:24:46,040
Speaker 5: like I think the sooner the better. Just based purely

600
00:24:46,119 --> 00:24:49,520
Speaker 5: on my personal experience, I think that if I had

601
00:24:49,560 --> 00:24:53,000
Speaker 5: bought three years ago for something that I just could afford,

602
00:24:53,720 --> 00:24:56,800
Speaker 5: I think I arguably would be in a stronger financial position.

603
00:24:56,960 --> 00:24:58,040
Speaker 4: And so I think.

604
00:24:57,840 --> 00:25:00,600
Speaker 5: Rather than trying to go, Okay, well, what's the best

605
00:25:00,600 --> 00:25:02,720
Speaker 5: time in the market for me to make this purchase?

606
00:25:03,160 --> 00:25:05,119
Speaker 4: Can I afford it? Is it somewhere I want to

607
00:25:05,119 --> 00:25:05,399
Speaker 4: buy it?

608
00:25:05,440 --> 00:25:07,399
Speaker 5: So I would actually be looking at the data of

609
00:25:07,480 --> 00:25:09,439
Speaker 5: the suburbs that you're saying you can afford to buy in.

610
00:25:10,080 --> 00:25:12,160
Speaker 5: Is that a good purchase for you and your goals?

611
00:25:12,440 --> 00:25:15,520
Speaker 5: More so than going is it a good time for

612
00:25:15,560 --> 00:25:16,320
Speaker 5: me to purpose?

613
00:25:16,680 --> 00:25:18,800
Speaker 4: I agree? But you don't think if.

614
00:25:18,680 --> 00:25:21,560
Speaker 3: Anyone's qualified to speak on this, as you BiDi find

615
00:25:21,600 --> 00:25:25,000
Speaker 3: my names Victoria Divine, and I own a mortgage broking business,

616
00:25:25,080 --> 00:25:28,320
Speaker 3: so I talk to people about this literally every single day.

617
00:25:28,760 --> 00:25:31,679
Speaker 3: And my answer is we do not care. And I

618
00:25:31,840 --> 00:25:35,080
Speaker 3: mean that in the nicest possible way. If you are

619
00:25:35,160 --> 00:25:39,240
Speaker 3: buying your home and you're a long term investor, we

620
00:25:39,320 --> 00:25:41,439
Speaker 3: aren't looking for the peak or the troughs. We're not

621
00:25:41,480 --> 00:25:43,200
Speaker 3: looking for it to come off. You're going to hear

622
00:25:43,240 --> 00:25:46,119
Speaker 3: stories about people who bought in, like the dips in

623
00:25:46,160 --> 00:25:48,080
Speaker 3: the market during COVID, You're going to hear all of

624
00:25:48,119 --> 00:25:51,480
Speaker 3: this right, and that is going to distract you. All

625
00:25:51,560 --> 00:25:54,280
Speaker 3: I want to know is have you spoken to your broker?

626
00:25:54,600 --> 00:25:57,480
Speaker 3: Can you service this loan? Are you comfortable with that?

627
00:25:57,600 --> 00:26:02,160
Speaker 3: Desperation adds this additional layer of complexity which might make

628
00:26:02,240 --> 00:26:04,320
Speaker 3: you make decisions that aren't in line with your long

629
00:26:04,400 --> 00:26:06,160
Speaker 3: term values. And you might be like, oh my god,

630
00:26:06,160 --> 00:26:07,679
Speaker 3: but we need to get in right now, and then

631
00:26:07,760 --> 00:26:10,119
Speaker 3: three years down the track you're like, we really just

632
00:26:10,240 --> 00:26:13,520
Speaker 3: like shotgun purchase that house because we were desperate, as

633
00:26:13,560 --> 00:26:17,439
Speaker 3: opposed to actually looking at our financial circumstances. The best

634
00:26:17,680 --> 00:26:21,560
Speaker 3: time to buy an investment, the best time to buy

635
00:26:21,680 --> 00:26:24,919
Speaker 3: a property is the time that it makes financial sense

636
00:26:25,040 --> 00:26:25,480
Speaker 3: to you.

637
00:26:25,840 --> 00:26:27,560
Speaker 4: It's the time that you sit down and you.

638
00:26:27,520 --> 00:26:30,600
Speaker 3: Have your deposit comfortably, You've got your buffer comfortably. You

639
00:26:30,640 --> 00:26:32,679
Speaker 3: are happy to take on that loan, You are happy

640
00:26:32,720 --> 00:26:35,240
Speaker 3: with how much those mortgage repayments are going to be.

641
00:26:35,320 --> 00:26:37,760
Speaker 3: It's not about timing the market or waiting for an

642
00:26:37,800 --> 00:26:40,040
Speaker 3: interest rate drop, because you know what, you're not the

643
00:26:40,080 --> 00:26:42,399
Speaker 3: only person thinking that. And I think I've had to

644
00:26:42,400 --> 00:26:44,840
Speaker 3: dispel over the last couple of months a lot of

645
00:26:44,880 --> 00:26:47,480
Speaker 3: conversation with clients where they go, we're just going to

646
00:26:47,520 --> 00:26:50,560
Speaker 3: wait for the next rate cut, and I go, that's fantastic.

647
00:26:50,680 --> 00:26:52,920
Speaker 3: Do you really think that you are the only first

648
00:26:53,000 --> 00:26:55,800
Speaker 3: home buyer that is waiting for the rate to drop?

649
00:26:55,840 --> 00:26:57,320
Speaker 3: And do you know what happens when the rate drops,

650
00:26:57,320 --> 00:26:59,960
Speaker 3: and that's why you're wanting to wait, is the rate drop.

651
00:27:00,160 --> 00:27:03,040
Speaker 3: And the last rate drop as of recording was a

652
00:27:03,160 --> 00:27:06,159
Speaker 3: point two five percent basis drop. So that means that

653
00:27:06,200 --> 00:27:08,320
Speaker 3: the interest rate in Australia, or the cash rate in

654
00:27:08,359 --> 00:27:13,200
Speaker 3: Australia went to three point six zero percent. That means

655
00:27:13,200 --> 00:27:15,679
Speaker 3: off the last rate cut that we had, if you

656
00:27:15,720 --> 00:27:18,159
Speaker 3: had a million dollar mortgage, you're probably saving about one

657
00:27:18,200 --> 00:27:21,520
Speaker 3: hundred dollars a month, and off a five hundred thousand

658
00:27:21,520 --> 00:27:23,960
Speaker 3: dollars mortgage, it's probably cutting fifty bucks off a month.

659
00:27:24,160 --> 00:27:26,320
Speaker 3: So that is a good amount of money, like not

660
00:27:26,880 --> 00:27:29,040
Speaker 3: something to sneeze at. But on the flip side, if

661
00:27:29,080 --> 00:27:32,800
Speaker 3: you haven't purchased yet, you actually have an increased amount

662
00:27:32,840 --> 00:27:35,000
Speaker 3: of borrowing power because the bank goes, oh, with that

663
00:27:35,080 --> 00:27:38,000
Speaker 3: same deposit, you can actually borrow more money because the

664
00:27:38,000 --> 00:27:40,359
Speaker 3: money to borrow is cheaper, and you go, that's a

665
00:27:40,400 --> 00:27:44,560
Speaker 3: money win. But when money is cheaper, and let's pretend Jess,

666
00:27:44,600 --> 00:27:47,199
Speaker 3: you're in the market to purchase, you currently have a

667
00:27:47,200 --> 00:27:49,720
Speaker 3: budget of five hundred thousand dollars, which is a very

668
00:27:49,760 --> 00:27:52,159
Speaker 3: normal first home buyer's budget, right, And you say to

669
00:27:52,200 --> 00:27:54,200
Speaker 3: me the I'm going to wait for the next rate

670
00:27:54,240 --> 00:27:55,919
Speaker 3: cut or I'm going to wait for the market to

671
00:27:55,920 --> 00:27:59,679
Speaker 3: come off. Every other first home buyer that is in

672
00:27:59,680 --> 00:28:03,520
Speaker 3: the mund market that is saying that is your competition, right,

673
00:28:03,800 --> 00:28:05,359
Speaker 3: And so say you wait for the rate cut, and

674
00:28:05,359 --> 00:28:07,520
Speaker 3: then your broker calls you and goes, great, Jess, like,

675
00:28:07,600 --> 00:28:09,800
Speaker 3: you know, we had your pre approval at five hundred thousand,

676
00:28:09,960 --> 00:28:12,439
Speaker 3: but now it's actually five hundred and twenty thousand dollars

677
00:28:12,480 --> 00:28:13,360
Speaker 3: because of the rate cut.

678
00:28:13,400 --> 00:28:13,840
Speaker 4: Money win.

679
00:28:14,400 --> 00:28:17,000
Speaker 3: You're now going shopping and have twenty thousand dollars extra

680
00:28:17,040 --> 00:28:19,240
Speaker 3: to spend at every single auction you go to, I

681
00:28:19,359 --> 00:28:21,760
Speaker 3: promise you will cap that out if you are desperate.

682
00:28:22,280 --> 00:28:25,000
Speaker 3: So will every other first home buyers. So instead of

683
00:28:25,040 --> 00:28:28,760
Speaker 3: that house going for twenty thousand dollars less, we all

684
00:28:28,800 --> 00:28:31,119
Speaker 3: have a little bit of free extra money to push

685
00:28:31,160 --> 00:28:33,760
Speaker 3: that auction up a little bit more. So you will

686
00:28:33,760 --> 00:28:38,280
Speaker 3: often see with rate cuts increases in property value, but

687
00:28:38,400 --> 00:28:40,400
Speaker 3: that's just because there's more cash floating around for the

688
00:28:40,440 --> 00:28:44,440
Speaker 3: economy to spend, not because oh there's more demand for them.

689
00:28:44,560 --> 00:28:47,400
Speaker 3: You cannot predict this stuff, so like kind of put

690
00:28:47,440 --> 00:28:49,360
Speaker 3: some blinkers on when you're buying property and I know

691
00:28:49,440 --> 00:28:51,640
Speaker 3: that I go do your research, keep your eyes open

692
00:28:51,840 --> 00:28:53,880
Speaker 3: when it comes to your budget and the market.

693
00:28:54,280 --> 00:28:55,239
Speaker 4: You can't time it.

694
00:28:55,840 --> 00:29:00,000
Speaker 3: Yes, if you are an investor purchase, that's probably where

695
00:29:00,200 --> 00:29:02,000
Speaker 3: a little bit more consideration. Like if Jess came to

696
00:29:02,000 --> 00:29:04,320
Speaker 3: me and said, got five hundred thousand dollars. I want

697
00:29:04,320 --> 00:29:07,160
Speaker 3: to buy an apartment and I want to or a house,

698
00:29:07,240 --> 00:29:09,760
Speaker 3: or I want to buy something and the plan is

699
00:29:09,800 --> 00:29:12,680
Speaker 3: to purchase it with a short term horizon, and I

700
00:29:12,680 --> 00:29:15,360
Speaker 3: would like to have it on just interest only, and

701
00:29:15,400 --> 00:29:17,440
Speaker 3: I'm hoping that in five years I can sell that

702
00:29:17,480 --> 00:29:20,040
Speaker 3: property because I would have gained some equity in it,

703
00:29:20,120 --> 00:29:22,800
Speaker 3: and like, that's how I'm planning on making money. That's

704
00:29:22,840 --> 00:29:24,560
Speaker 3: when we start to care a lot more about what

705
00:29:24,600 --> 00:29:27,160
Speaker 3: the market's doing and you know what it looked like

706
00:29:27,240 --> 00:29:29,280
Speaker 3: over the last ten years. But if you're purchasing your

707
00:29:29,320 --> 00:29:31,880
Speaker 3: family home, yeah, it's important to be across it. We

708
00:29:31,880 --> 00:29:33,560
Speaker 3: don't want to be ripped off. We don't want to

709
00:29:33,560 --> 00:29:36,480
Speaker 3: be overpaying, like that's not our journey. But we are

710
00:29:36,520 --> 00:29:39,080
Speaker 3: also not trying to time the market, because if you're

711
00:29:39,080 --> 00:29:42,440
Speaker 3: trying to time the market with everybody else, I can

712
00:29:42,680 --> 00:29:44,760
Speaker 3: promise you that you're not putting yourself in the best

713
00:29:44,760 --> 00:29:48,800
Speaker 3: possible position, and also not to throw misstrescotta eachy under

714
00:29:48,840 --> 00:29:51,000
Speaker 3: a bus. But I can almost guarantee that she wishes

715
00:29:51,040 --> 00:29:52,960
Speaker 3: she put just like pulled the trigger and bought it

716
00:29:53,040 --> 00:29:56,120
Speaker 3: a time without putting blinkers on, like or had a

717
00:29:56,120 --> 00:29:58,440
Speaker 3: few more blinkers on at the start of her journey,

718
00:29:58,440 --> 00:30:01,640
Speaker 3: because it would have been financially benefit. But you also

719
00:30:01,760 --> 00:30:03,560
Speaker 3: just don't know what you don't know, kinds.

720
00:30:03,640 --> 00:30:06,640
Speaker 4: It's twenty twenty. Absolutely should we get into this SEXUCDM?

721
00:30:06,920 --> 00:30:10,320
Speaker 3: Absolutely? So this week we got a DM and it said, hey,

722
00:30:10,360 --> 00:30:12,800
Speaker 3: she's on the money. My partner currently has around forty

723
00:30:12,880 --> 00:30:15,680
Speaker 3: thousand dollars worth of debt accumulated and it's in the

724
00:30:15,720 --> 00:30:19,200
Speaker 3: process of consolidating it and also isn't currently adding any

725
00:30:19,200 --> 00:30:22,240
Speaker 3: additional debt. Although they are coming up with a plan

726
00:30:22,320 --> 00:30:24,560
Speaker 3: to console the date, they have no desire to actually

727
00:30:24,640 --> 00:30:26,760
Speaker 3: pay it off quickly or be out of debt at

728
00:30:26,800 --> 00:30:29,680
Speaker 3: any point. They believe it's just part of life. I

729
00:30:29,720 --> 00:30:32,080
Speaker 3: feel quite the opposite. I've never had debt and I

730
00:30:32,080 --> 00:30:34,800
Speaker 3: am quite good at saving. I'm nervous about when the

731
00:30:34,840 --> 00:30:38,600
Speaker 3: time comes where we might join finances. They've mentioned that

732
00:30:38,680 --> 00:30:41,640
Speaker 3: they always keep their debt separate to me. However, I'm

733
00:30:41,640 --> 00:30:45,320
Speaker 3: not sure it works that seamlessly. Would love some advice

734
00:30:45,400 --> 00:30:47,400
Speaker 3: and thoughts from the community. What would you do?

735
00:30:48,280 --> 00:30:51,800
Speaker 6: Yeah, I'm not too sure how debt works when like.

736
00:30:52,360 --> 00:30:55,400
Speaker 3: Has become your debt Like okay, unless your name's on it,

737
00:30:55,400 --> 00:30:58,560
Speaker 3: it doesn't become yours. But like, if my husband had

738
00:30:58,560 --> 00:31:00,640
Speaker 3: debt and I didn't have debt, and we have shared

739
00:31:00,640 --> 00:31:03,840
Speaker 3: financial goals, that's now a burden on me totally. I

740
00:31:03,920 --> 00:31:06,040
Speaker 3: want to help pay off because I'm like, well, I

741
00:31:06,040 --> 00:31:07,840
Speaker 3: can't buy house, or I can't do anything, or I

742
00:31:07,840 --> 00:31:10,080
Speaker 3: can't go on a holiday until that's gone. So totally

743
00:31:10,120 --> 00:31:12,960
Speaker 3: it comes a burden of yours in the relationship rather

744
00:31:13,000 --> 00:31:14,440
Speaker 3: than a burden of yours long term.

745
00:31:14,480 --> 00:31:17,280
Speaker 6: Absolutely, so like yeah, in like an indirect way, definitely.

746
00:31:17,360 --> 00:31:22,600
Speaker 7: Still, I guess if the loan repayment amount is not

747
00:31:23,000 --> 00:31:26,360
Speaker 7: a giant chunk of like, if it's not like really

748
00:31:26,440 --> 00:31:28,840
Speaker 7: really impacting your day to day, I can kind of

749
00:31:28,920 --> 00:31:31,720
Speaker 7: understand that feeling of like, oh, like I'm not super

750
00:31:31,720 --> 00:31:33,720
Speaker 7: worried if it was like HEX. I know it's different,

751
00:31:33,720 --> 00:31:36,560
Speaker 7: but like Hex, I'm never thinking about Hex, and I

752
00:31:36,600 --> 00:31:38,760
Speaker 7: know this is very very different to HEX, but I'm

753
00:31:38,800 --> 00:31:41,479
Speaker 7: thinking if it's like a drop in the ocean. On

754
00:31:41,520 --> 00:31:42,840
Speaker 7: the one hand, you'd be like, oh, if it's a

755
00:31:42,880 --> 00:31:44,680
Speaker 7: drop in the ocean, then like quickly paid off, so

756
00:31:44,720 --> 00:31:46,280
Speaker 7: you need to have to think about it. But on

757
00:31:46,280 --> 00:31:48,040
Speaker 7: the other hand, it's a drop in the ocean, I'm

758
00:31:48,040 --> 00:31:50,360
Speaker 7: not in a rush. I'm just paying that slowly. I

759
00:31:50,360 --> 00:31:53,800
Speaker 7: don't want it to like impact three four months for example,

760
00:31:53,960 --> 00:31:55,920
Speaker 7: of like paying this thing off heaps and just like

761
00:31:55,960 --> 00:31:58,480
Speaker 7: kind of living tight and on a budget for that

762
00:31:58,880 --> 00:32:01,760
Speaker 7: time while you paid off. I guess like if you

763
00:32:01,880 --> 00:32:06,800
Speaker 7: have a chat and crazy communication is key here but.

764
00:32:06,920 --> 00:32:09,400
Speaker 3: Wow, I'm glad that has come up. It never comes up, and.

765
00:32:10,600 --> 00:32:13,160
Speaker 7: If you have a chat about it and you kind

766
00:32:13,200 --> 00:32:15,680
Speaker 7: of realize that like the likelihood of it impacting you

767
00:32:15,920 --> 00:32:18,520
Speaker 7: either directly or indirectly, Like yeah, let's say you want

768
00:32:18,520 --> 00:32:20,080
Speaker 7: to go on a holiday or you want to buy

769
00:32:20,080 --> 00:32:22,440
Speaker 7: a house together or something, and it's like like if

770
00:32:22,480 --> 00:32:24,080
Speaker 7: you look at it and you're like, can you see

771
00:32:24,080 --> 00:32:28,320
Speaker 7: how this debt will impact that directly? And maybe that's

772
00:32:28,400 --> 00:32:30,080
Speaker 7: just all it takes, like just like the actual like

773
00:32:30,520 --> 00:32:34,080
Speaker 7: showing someone how while it doesn't seem like anything, while

774
00:32:34,080 --> 00:32:36,000
Speaker 7: it just kind of seems like it's happening in the background,

775
00:32:36,320 --> 00:32:38,560
Speaker 7: how it could impact your day to day life. I

776
00:32:38,560 --> 00:32:40,440
Speaker 7: guess because I have someone in debt that I can

777
00:32:40,600 --> 00:32:43,840
Speaker 7: understand two different sides with it, So I think you're

778
00:32:43,920 --> 00:32:44,920
Speaker 7: just communication.

779
00:32:45,560 --> 00:32:47,560
Speaker 4: It's just a yeah, I folutely agree.

780
00:32:47,600 --> 00:32:49,160
Speaker 5: I think like it it sounds like you just need

781
00:32:49,200 --> 00:32:52,040
Speaker 5: to have a conversation. I think pointing out to them,

782
00:32:52,200 --> 00:32:54,840
Speaker 5: as you said, like how that will impact your future

783
00:32:54,840 --> 00:32:57,440
Speaker 5: goals because it's not about the fact that they have debt,

784
00:32:57,480 --> 00:33:00,080
Speaker 5: Like people can accumulate deb for a whole host of reasons,

785
00:33:00,120 --> 00:33:02,360
Speaker 5: and you know it's up to us to do with

786
00:33:02,440 --> 00:33:04,800
Speaker 5: that as we will, but pointing out the fact that, well,

787
00:33:04,800 --> 00:33:06,320
Speaker 5: if we wanted to buy a house together, or if

788
00:33:06,360 --> 00:33:08,240
Speaker 5: we wanted to have children, or if we wanted to

789
00:33:08,280 --> 00:33:12,160
Speaker 5: do your take on any kind of significant financial undertaking,

790
00:33:12,600 --> 00:33:16,680
Speaker 5: you already carrying debt inhibits your ability to contribute to

791
00:33:16,680 --> 00:33:19,320
Speaker 5: that might inhibit our ability to borrow money for a

792
00:33:19,320 --> 00:33:22,720
Speaker 5: big goal like purchasing a house, all those sorts of things.

793
00:33:23,120 --> 00:33:24,960
Speaker 5: I think it's really important to be on the same

794
00:33:25,000 --> 00:33:27,440
Speaker 5: page because I think if you have one person who

795
00:33:27,560 --> 00:33:29,840
Speaker 5: is very like I don't care about the debt, I'm

796
00:33:29,840 --> 00:33:32,120
Speaker 5: happy to let it hang out there forever, and one

797
00:33:32,200 --> 00:33:35,120
Speaker 5: person who's very driven and very like I want to

798
00:33:35,120 --> 00:33:36,480
Speaker 5: buy house, I want to go on a holiday, I

799
00:33:36,520 --> 00:33:38,840
Speaker 5: want to do this that the other, I think there

800
00:33:38,880 --> 00:33:41,440
Speaker 5: is potential for them to be conflict there down the track.

801
00:33:41,520 --> 00:33:43,959
Speaker 5: So I do think it's important that you address it

802
00:33:44,240 --> 00:33:46,120
Speaker 5: and both of you hear each other out. As you said,

803
00:33:46,280 --> 00:33:48,720
Speaker 5: people are entitled to have different opinions and perspectives, and

804
00:33:48,720 --> 00:33:51,120
Speaker 5: there's no right or wrong. But I think that when

805
00:33:51,160 --> 00:33:53,480
Speaker 5: it can start to impact the things that you're trying

806
00:33:53,480 --> 00:33:56,280
Speaker 5: to build together, that's when it has the potential to

807
00:33:56,320 --> 00:33:58,320
Speaker 5: become a problem. So I think, yeah, you're absolutely right.

808
00:33:58,360 --> 00:34:01,080
Speaker 5: It's just about having a conversation, you explaining how you

809
00:34:01,120 --> 00:34:03,800
Speaker 5: feel out the impacts them, explaining why it might not

810
00:34:03,840 --> 00:34:04,120
Speaker 5: be a.

811
00:34:04,080 --> 00:34:06,480
Speaker 4: Priority to them, planning out what.

812
00:34:06,360 --> 00:34:08,680
Speaker 5: You want to do and how you know that might

813
00:34:08,719 --> 00:34:12,760
Speaker 5: overlay or underlay underneath you know, the things that already exist,

814
00:34:13,239 --> 00:34:14,799
Speaker 5: and kind of go from there. But I think it

815
00:34:14,840 --> 00:34:18,239
Speaker 5: is important to address sooner than later, because if you

816
00:34:18,360 --> 00:34:20,400
Speaker 5: leave it, I think it has the potential to be

817
00:34:20,440 --> 00:34:22,480
Speaker 5: a bigger deal, where right now you're in a position

818
00:34:22,520 --> 00:34:24,120
Speaker 5: where it doesn't need to be.

819
00:34:25,080 --> 00:34:27,719
Speaker 3: Yeah, And it's rough because that's just telling me you're

820
00:34:27,719 --> 00:34:30,480
Speaker 3: not on the same page. Yeah, and you clearly want

821
00:34:30,480 --> 00:34:32,680
Speaker 3: to be on the same page. So it's not about

822
00:34:32,719 --> 00:34:35,640
Speaker 3: how they accumulated the debt. It's about prioritizing that and

823
00:34:35,680 --> 00:34:38,239
Speaker 3: your future financial goals. And I think that just even

824
00:34:38,320 --> 00:34:40,960
Speaker 3: talking to them about like you're aware of like how

825
00:34:41,040 --> 00:34:42,319
Speaker 3: detrimental this debt is.

826
00:34:42,400 --> 00:34:43,120
Speaker 4: It's not just.

827
00:34:43,080 --> 00:34:46,200
Speaker 3: Like you've got debt, great, but it's also like the

828
00:34:46,320 --> 00:34:49,880
Speaker 3: exact opposite of compound interest, Like the longer you have it,

829
00:34:49,920 --> 00:34:52,280
Speaker 3: the more you're paying off. Yes, you're in forty thousand

830
00:34:52,280 --> 00:34:54,040
Speaker 3: dollars worth of debt, But how much is that going

831
00:34:54,080 --> 00:34:57,400
Speaker 3: to cost you? Probably fifty two to sixty thousand dollars

832
00:34:57,480 --> 00:34:59,720
Speaker 3: to pay it off, Like people don't look at how

833
00:35:00,320 --> 00:35:04,440
Speaker 3: financially impactful that is. And like your situation back at

834
00:35:04,440 --> 00:35:05,920
Speaker 3: the moment, and I know you've been through a lot

835
00:35:05,960 --> 00:35:08,560
Speaker 3: of debt. With a payment plan on something like fines

836
00:35:08,680 --> 00:35:10,560
Speaker 3: is a bit different to a debt that's carrying a

837
00:35:10,560 --> 00:35:13,200
Speaker 3: lot of interest, So like I can see why you

838
00:35:13,280 --> 00:35:15,319
Speaker 3: might go, it's sixty bucks a month and you know what,

839
00:35:15,400 --> 00:35:18,759
Speaker 3: it just takes along, Whereas if there was a significant

840
00:35:18,800 --> 00:35:21,799
Speaker 3: interest charge payable on that, I'd be like, well, actually, yeah,

841
00:35:21,880 --> 00:35:24,279
Speaker 3: it feels like that in the moment, but ultimately it's

842
00:35:24,320 --> 00:35:27,200
Speaker 3: putting you behind and that you know, thousand dollars you own,

843
00:35:27,200 --> 00:35:29,120
Speaker 3: it's actually two and a half thousand dollars, and like

844
00:35:29,200 --> 00:35:31,479
Speaker 3: that is not cool because I'm pretty sure you would

845
00:35:31,520 --> 00:35:34,160
Speaker 3: want fifteen hundred bucks in your back pocket. So I

846
00:35:34,160 --> 00:35:37,920
Speaker 3: think it's about contextualizing it and going, do you actually

847
00:35:37,960 --> 00:35:40,719
Speaker 3: know what this means for us? Like and not being

848
00:35:40,760 --> 00:35:43,480
Speaker 3: able to do things, And I just think it's it's

849
00:35:43,520 --> 00:35:46,319
Speaker 3: really hard, but it's all about getting on the same page. Now,

850
00:35:46,360 --> 00:35:49,080
Speaker 3: we did ask the community. We asked a couple of questions. First,

851
00:35:49,080 --> 00:35:50,799
Speaker 3: we said, how do you feel about this sort of debt?

852
00:35:50,800 --> 00:35:53,239
Speaker 3: And ninety two percent said I'm exactly the same as her.

853
00:35:53,560 --> 00:35:55,840
Speaker 3: An eight percent said I actually agree with her partner.

854
00:35:56,000 --> 00:35:58,400
Speaker 3: We then asked, how would you feel if your partner

855
00:35:58,440 --> 00:36:00,640
Speaker 3: had forty thousand dollars in personal debt and wasn't in

856
00:36:00,640 --> 00:36:03,279
Speaker 3: a rush to pay it off. Fifty seven percent said

857
00:36:03,320 --> 00:36:06,920
Speaker 3: I'd be stressing about our money future, Twenty three percent

858
00:36:06,960 --> 00:36:10,360
Speaker 3: said I'd need a payoff plan from my partner. Eleven

859
00:36:10,400 --> 00:36:12,640
Speaker 3: percent said this is actually a deal breaker for me.

860
00:36:12,920 --> 00:36:15,560
Speaker 3: A nine percent said it's their money, it's their choice,

861
00:36:16,560 --> 00:36:19,160
Speaker 3: which is all fair and good and reasonable. We then said, well,

862
00:36:19,200 --> 00:36:22,400
Speaker 3: what's your two cents we want to know? First person said,

863
00:36:22,719 --> 00:36:24,840
Speaker 3: you need to explain. Hey, this person's on my page.

864
00:36:24,880 --> 00:36:27,680
Speaker 3: First person said, you need to explain the money saved

865
00:36:27,719 --> 00:36:29,840
Speaker 3: in interest by paying it off faster and using that

866
00:36:29,920 --> 00:36:32,880
Speaker 3: money for a fun goal. Another person said I was

867
00:36:32,920 --> 00:36:35,080
Speaker 3: in the same situation and I actually gave my partner

868
00:36:35,080 --> 00:36:37,839
Speaker 3: an ultimatum, you let me help you sort this out

869
00:36:38,239 --> 00:36:40,840
Speaker 3: or I'm gone. We are going on ten years strong.

870
00:36:41,040 --> 00:36:41,719
Speaker 4: Wow.

871
00:36:42,080 --> 00:36:44,799
Speaker 3: Next person said, you can't control how other people choose

872
00:36:44,840 --> 00:36:48,080
Speaker 3: to live, but I would not be marrying them. Next

873
00:36:48,080 --> 00:36:51,280
Speaker 3: person said, if your money values can't align now, it'll

874
00:36:51,280 --> 00:36:54,760
Speaker 3: only get exasperated later in life with weddings and kids

875
00:36:54,760 --> 00:36:59,200
Speaker 3: and your bigger family goals. Another person said, don't combine finances.

876
00:36:59,239 --> 00:37:01,600
Speaker 3: You need to be managed things separately until they aren't

877
00:37:01,640 --> 00:37:04,799
Speaker 3: in any debt. Another person said the reality is that

878
00:37:04,920 --> 00:37:07,080
Speaker 3: if they are paying off debt, that's money that's not

879
00:37:07,120 --> 00:37:09,480
Speaker 3: going into the relationship and making it better. And the

880
00:37:09,560 --> 00:37:12,720
Speaker 3: last person said, you can't really keep debt that separate

881
00:37:12,719 --> 00:37:15,000
Speaker 3: if you're planning on getting married or plan to apply

882
00:37:15,080 --> 00:37:17,880
Speaker 3: for a home loan together in the future, which is true.

883
00:37:17,920 --> 00:37:18,920
Speaker 4: I think yeah.

884
00:37:19,080 --> 00:37:22,279
Speaker 3: I just think it is impactful for your future. Whether

885
00:37:22,280 --> 00:37:24,400
Speaker 3: you care about it or not is a different story.

886
00:37:24,440 --> 00:37:26,279
Speaker 3: But being on the same page as your partner is

887
00:37:26,320 --> 00:37:26,960
Speaker 3: really important.

888
00:37:27,000 --> 00:37:27,360
Speaker 5: True.

889
00:37:27,880 --> 00:37:31,360
Speaker 4: I couldn't agree more. Oh wow, communication, that's so crazy.

890
00:37:31,800 --> 00:37:33,839
Speaker 3: Place to leave it, guys, I hope you have had

891
00:37:33,840 --> 00:37:36,239
Speaker 3: a really beautiful week. We'll see you brighten early on

892
00:37:36,280 --> 00:37:38,480
Speaker 3: Monday morning for a money diary, but until then, have

893
00:37:38,560 --> 00:37:39,440
Speaker 3: a beautiful weekend.

894
00:37:39,760 --> 00:37:40,320
Speaker 4: By guys.

895
00:37:40,400 --> 00:37:44,440
Speaker 3: Bye.

896
00:37:46,640 --> 00:37:49,160
Speaker 9: The advice shared on She's on the Money is general

897
00:37:49,239 --> 00:37:53,080
Speaker 9: in nature and does not consider your individual circumstances. She's

898
00:37:53,120 --> 00:37:56,600
Speaker 9: on the Money exists purely for educational purposes and should

899
00:37:56,600 --> 00:37:59,760
Speaker 9: not be relied upon to make an investment or financial decision.

900
00:38:00,200 --> 00:38:02,480
Speaker 3: If you do choose to buy a financial.

901
00:38:01,960 --> 00:38:06,040
Speaker 9: Product, read the PDS TMD and obtain appropriate financial.

902
00:38:05,560 --> 00:38:07,360
Speaker 3: Advice tailored towards your needs.

903
00:38:07,719 --> 00:38:11,680
Speaker 9: Victoria Divine and She's on the Money are authorized representatives

904
00:38:11,719 --> 00:38:14,239
Speaker 9: of money sherper P T y lt D A b

905
00:38:14,440 --> 00:38:17,439
Speaker 9: N three two one six four nine two seven seven

906
00:38:17,600 --> 00:38:24,480
Speaker 9: zero eight AFS L four five one two eight nine