1 00:00:00,600 --> 00:00:04,840 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor 2 00:00:04,880 --> 00:00:08,600 Speaker 1: the Order Kerni Whaltbury and a waddery woman. And before 3 00:00:08,600 --> 00:00:11,080 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,119 --> 00:00:14,240 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,360 --> 00:00:17,599 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,079 --> 00:00:22,200 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,239 --> 00:00:26,880 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,000 --> 00:00:30,040 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,160 --> 00:00:33,040 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,240 --> 00:00:36,040 Speaker 2: Let's get into it. She's on the Money. 11 00:00:36,240 --> 00:00:53,519 Speaker 3: She's on the Money. 12 00:00:57,200 --> 00:00:59,840 Speaker 4: Hello, and welcome to She's on the Money, the pod 13 00:01:00,280 --> 00:01:03,480 Speaker 4: that lets you be pervy about other people's money habits. 14 00:01:03,120 --> 00:01:04,880 Speaker 2: For educational purposes of course. 15 00:01:05,400 --> 00:01:07,679 Speaker 4: Welcome back to another one of our money days where 16 00:01:07,680 --> 00:01:10,640 Speaker 4: we get the absolute pleasure of sitting down and chatting 17 00:01:10,680 --> 00:01:13,520 Speaker 4: with one of our incredible She's on the Money community members, 18 00:01:13,560 --> 00:01:16,360 Speaker 4: all about their journey. Let's jump straight into it, because 19 00:01:16,400 --> 00:01:18,760 Speaker 4: this week I got a message and it sounded exactly 20 00:01:18,880 --> 00:01:21,800 Speaker 4: like this high She's on the Money. Growing up with 21 00:01:21,880 --> 00:01:25,640 Speaker 4: a single mum in a low socioeconomic area, money was 22 00:01:25,720 --> 00:01:30,480 Speaker 4: always toxic arguments, borrowing and never having enough shaped my 23 00:01:30,560 --> 00:01:34,280 Speaker 4: determination to break the cycle. After years of hard work, 24 00:01:34,520 --> 00:01:37,600 Speaker 4: study and climbing the career ladder and breaking some bad 25 00:01:37,600 --> 00:01:41,000 Speaker 4: credit card habits, my husband and I hit a combined 26 00:01:41,040 --> 00:01:44,840 Speaker 4: income of over two hundred thousand dollars. It seemed like 27 00:01:44,880 --> 00:01:48,880 Speaker 4: we had everything we'd ever wanted. But when our kids arrived, 28 00:01:49,080 --> 00:01:52,320 Speaker 4: everything changed. We made the bold decision to step back, 29 00:01:52,560 --> 00:01:56,720 Speaker 4: trade career ambition for family time and prioritize what truly matters. 30 00:01:57,160 --> 00:01:59,480 Speaker 4: We might not have as much money, but we can 31 00:01:59,520 --> 00:02:03,040 Speaker 4: still buy baby Chinos and that's more than enough for us. 32 00:02:03,560 --> 00:02:04,760 Speaker 2: Money, Doris, I just. 33 00:02:04,680 --> 00:02:06,160 Speaker 4: Feel it in my bones. This is going to be 34 00:02:06,240 --> 00:02:07,600 Speaker 4: such a sweet money diary. 35 00:02:07,840 --> 00:02:09,720 Speaker 2: Hello, thank you so much for having me. 36 00:02:10,000 --> 00:02:13,200 Speaker 4: Oh my gosh, I am so excited about this. Before 37 00:02:13,200 --> 00:02:15,360 Speaker 4: we dive in money, Doris, if I asked you to 38 00:02:15,360 --> 00:02:17,280 Speaker 4: give your money habits a grade from A three to F, 39 00:02:17,360 --> 00:02:18,679 Speaker 4: what grade would you give them? 40 00:02:18,800 --> 00:02:22,359 Speaker 2: I would say, I am a solid b oh, a 41 00:02:22,360 --> 00:02:22,960 Speaker 2: solid bee. 42 00:02:23,000 --> 00:02:26,160 Speaker 4: We love to see it. But more than that, I 43 00:02:26,280 --> 00:02:28,680 Speaker 4: love to ask people more about their money story. So, 44 00:02:28,720 --> 00:02:31,399 Speaker 4: money Dory, can you give us a little bit more 45 00:02:31,400 --> 00:02:33,120 Speaker 4: insight into your money story? 46 00:02:33,240 --> 00:02:35,920 Speaker 2: Yeah? Absolutely, So I feel like you touched on a 47 00:02:35,960 --> 00:02:38,520 Speaker 2: lot of it already. But I grew up with a 48 00:02:38,639 --> 00:02:42,119 Speaker 2: single mom and an older sister in a very low 49 00:02:42,240 --> 00:02:47,840 Speaker 2: socioeconomic area, so we never went without, but everything was 50 00:02:48,680 --> 00:02:51,360 Speaker 2: hard to come by, I suppose to put it easily. 51 00:02:51,520 --> 00:02:54,040 Speaker 2: So Mum was always, you know, working really hard to 52 00:02:54,040 --> 00:02:55,800 Speaker 2: try to find where we were going to get money 53 00:02:55,840 --> 00:02:59,560 Speaker 2: for groceries and new school books and shoes, and how 54 00:02:59,600 --> 00:03:02,280 Speaker 2: we were going to pay for school excursions and everything 55 00:03:02,360 --> 00:03:05,080 Speaker 2: like that. So money was always an argument. So whether 56 00:03:05,280 --> 00:03:09,440 Speaker 2: Mum was having disagreements with family members about like wanting 57 00:03:09,480 --> 00:03:12,240 Speaker 2: to borrow money off them, or whether we were kind 58 00:03:12,240 --> 00:03:14,600 Speaker 2: of having arguments about how much a loaf of bread 59 00:03:14,600 --> 00:03:16,720 Speaker 2: would cost because we'd get sent into the shops with 60 00:03:16,760 --> 00:03:19,320 Speaker 2: three dollars but bread was on special last week, so 61 00:03:19,360 --> 00:03:22,440 Speaker 2: whereas the twenty cents change, because every cent madded, it 62 00:03:22,520 --> 00:03:25,280 Speaker 2: was really really tricky. So I saw a lot of 63 00:03:25,280 --> 00:03:28,920 Speaker 2: the stress that my mum was under when it came 64 00:03:29,200 --> 00:03:32,440 Speaker 2: to anything money related, and that was really hard to see. 65 00:03:32,880 --> 00:03:35,800 Speaker 2: So my sister, when she turned fourteen to nine months, 66 00:03:35,880 --> 00:03:39,960 Speaker 2: she got her first job and she started helping support 67 00:03:40,000 --> 00:03:42,440 Speaker 2: the family as well. So I figured that I would 68 00:03:42,440 --> 00:03:45,720 Speaker 2: do my part. So if I got money once a 69 00:03:45,720 --> 00:03:47,800 Speaker 2: week for tuch shop or something like that, I actually 70 00:03:47,880 --> 00:03:50,240 Speaker 2: just wouldn't eat at school that day, and I'd save 71 00:03:50,280 --> 00:03:52,960 Speaker 2: the money and i'd have like a little squirrel funds 72 00:03:53,040 --> 00:03:55,520 Speaker 2: just in case, like we ran out of milk or 73 00:03:55,520 --> 00:03:57,920 Speaker 2: toilet paper or something, so I could be like I'm helping. 74 00:03:58,160 --> 00:04:01,600 Speaker 4: Oh my god, my heart. That is literally equally the 75 00:04:01,680 --> 00:04:06,520 Speaker 4: sweetest and most heartbreaking thing ever, Like, oh, like your 76 00:04:06,560 --> 00:04:08,520 Speaker 4: little heart is so pure. 77 00:04:08,600 --> 00:04:10,880 Speaker 2: I know. And that's the thing is that, like when 78 00:04:10,880 --> 00:04:12,800 Speaker 2: you're a kid, you just want to see the best 79 00:04:12,840 --> 00:04:15,840 Speaker 2: in every situation and kind of do everything to help. 80 00:04:15,920 --> 00:04:19,320 Speaker 2: Like Mom found out and she was mortified that I 81 00:04:19,360 --> 00:04:22,160 Speaker 2: like had been going without food and she's. 82 00:04:21,640 --> 00:04:22,960 Speaker 4: Like, where did you get this money from? 83 00:04:23,080 --> 00:04:24,159 Speaker 2: Yeah? Is that what happened? 84 00:04:24,240 --> 00:04:26,120 Speaker 4: Like she found it and was like where is this money? 85 00:04:26,240 --> 00:04:27,200 Speaker 4: Like how did you get this? 86 00:04:27,400 --> 00:04:28,760 Speaker 2: Yeah? And I was like I've been saving it, Like 87 00:04:28,800 --> 00:04:30,400 Speaker 2: what are you talking about? And You're like, you don't 88 00:04:30,400 --> 00:04:32,279 Speaker 2: have a job, how are you saving it from? Where? 89 00:04:32,800 --> 00:04:36,320 Speaker 2: From where? Yeah? So that was kind of you know, 90 00:04:36,400 --> 00:04:38,400 Speaker 2: how it was to grow up around money. It was 91 00:04:38,440 --> 00:04:41,159 Speaker 2: always really hard to come by, and when you did 92 00:04:41,200 --> 00:04:43,680 Speaker 2: have it, it went really quickly, and if you didn't 93 00:04:43,680 --> 00:04:47,080 Speaker 2: have it, it was really stressful and cause a lot 94 00:04:47,080 --> 00:04:47,800 Speaker 2: of arguments. 95 00:04:48,160 --> 00:04:51,719 Speaker 4: Wow, And how did that translate as an adult now? 96 00:04:51,800 --> 00:04:55,400 Speaker 4: Because I feel like that would make you avoidant as 97 00:04:55,440 --> 00:04:58,160 Speaker 4: you grow up of talking about money and feeling like, 98 00:04:58,279 --> 00:05:02,640 Speaker 4: I don't know, I immediately assume that if your husband was like, oh, money, Doris, 99 00:05:02,680 --> 00:05:04,479 Speaker 4: can we talk about money, You'd be like, ah, like no, 100 00:05:04,600 --> 00:05:07,040 Speaker 4: thank you, even if it was a good thing. So 101 00:05:07,320 --> 00:05:09,240 Speaker 4: when did you get your first job? When did you 102 00:05:09,279 --> 00:05:11,320 Speaker 4: start earning your own money? How did that feel all 103 00:05:11,360 --> 00:05:12,080 Speaker 4: of those things? 104 00:05:12,279 --> 00:05:15,800 Speaker 2: Yeah? Absolutely, So that's exactly how it kind of translated. 105 00:05:16,040 --> 00:05:19,080 Speaker 2: So straight out of high school. So I graduated at seventeen, 106 00:05:19,520 --> 00:05:21,520 Speaker 2: I was straight into my first full time job, and 107 00:05:21,560 --> 00:05:24,480 Speaker 2: I was adamant that I never wanted to be that 108 00:05:25,760 --> 00:05:28,360 Speaker 2: like poor kid and I hate using that word, but 109 00:05:28,400 --> 00:05:30,080 Speaker 2: I was always just like I didn't want people. 110 00:05:30,160 --> 00:05:32,440 Speaker 4: But that's a feeling, and I feel like that's something 111 00:05:32,560 --> 00:05:36,240 Speaker 4: a lot of people are probably able to resonate with. 112 00:05:36,560 --> 00:05:39,240 Speaker 2: Yeah, So I feel like I didn't want anyone to 113 00:05:39,320 --> 00:05:41,840 Speaker 2: ever think that I didn't have enough money or that 114 00:05:42,120 --> 00:05:45,560 Speaker 2: like I was struggling, Like it was just so uncomfortable 115 00:05:45,640 --> 00:05:47,960 Speaker 2: for me to ever talk about. So I got my 116 00:05:48,000 --> 00:05:50,560 Speaker 2: first full time job straight out of high school the 117 00:05:50,760 --> 00:05:53,279 Speaker 2: day that I turned eighteen. So the office I worked 118 00:05:53,279 --> 00:05:56,400 Speaker 2: in was right above one of the big four banks. 119 00:05:56,640 --> 00:05:59,039 Speaker 2: So on my eighteenth birthday, I left work and on 120 00:05:59,080 --> 00:06:01,120 Speaker 2: my lunch break, I went downstairs and I got a 121 00:06:01,120 --> 00:06:05,039 Speaker 2: personal loan to a perfect buyer car yup, and I 122 00:06:05,080 --> 00:06:06,239 Speaker 2: signed up for a credit card. 123 00:06:06,440 --> 00:06:09,279 Speaker 4: Oh yeah, why not go with both? Honestly, they probably 124 00:06:09,320 --> 00:06:09,880 Speaker 4: allowed it. 125 00:06:10,120 --> 00:06:12,080 Speaker 2: Do you know what, go big or go home? I say, 126 00:06:12,160 --> 00:06:14,599 Speaker 2: one hundred percent? And then I toddled myself down to 127 00:06:15,080 --> 00:06:17,520 Speaker 2: like a phone company, and I signed myself up for 128 00:06:17,560 --> 00:06:19,520 Speaker 2: one of the new smartphones on a plan. So I 129 00:06:19,560 --> 00:06:21,560 Speaker 2: was just gonna have like, oh, you were live in large. 130 00:06:21,760 --> 00:06:24,480 Speaker 2: I had the image like nobody would ever look at 131 00:06:24,480 --> 00:06:27,800 Speaker 2: me and think that I was earning like sixteen dollars 132 00:06:27,839 --> 00:06:30,720 Speaker 2: an hour, Like it was atrocious. I can't believe still 133 00:06:30,760 --> 00:06:32,799 Speaker 2: that they even gave me alone. 134 00:06:32,839 --> 00:06:35,120 Speaker 4: That's actually how I feel about my personal loan that 135 00:06:35,200 --> 00:06:38,320 Speaker 4: I got, Like how did you give somebody like I 136 00:06:38,360 --> 00:06:40,160 Speaker 4: was in my early twenties, but how did you give 137 00:06:40,200 --> 00:06:42,719 Speaker 4: me a forty thousand dollar loone? It was obviously a 138 00:06:42,720 --> 00:06:46,720 Speaker 4: linked credit card? Like how like whose idea was. 139 00:06:46,720 --> 00:06:49,440 Speaker 2: That it's honestly terrible. And I look back on it 140 00:06:49,480 --> 00:06:53,040 Speaker 2: and it's like, if I just could tell little me 141 00:06:53,120 --> 00:06:56,039 Speaker 2: one thing, it would be like, do not borrow money, 142 00:06:56,200 --> 00:06:59,720 Speaker 2: Like do not go get alone, because you just put 143 00:06:59,800 --> 00:07:01,680 Speaker 2: so much faith in the people that are giving you 144 00:07:01,720 --> 00:07:04,400 Speaker 2: the loan, that they've crunched the numbers and their comfy 145 00:07:04,440 --> 00:07:06,240 Speaker 2: that you can pay it back, and you just like 146 00:07:06,320 --> 00:07:08,760 Speaker 2: to see the best in everyone. And I think because 147 00:07:08,800 --> 00:07:11,160 Speaker 2: I was borrowing money from someone and for the first 148 00:07:11,200 --> 00:07:13,280 Speaker 2: time in my life, it wasn't an argument, like they 149 00:07:13,320 --> 00:07:17,320 Speaker 2: were so happy to give me money, and I was like, oh, it. 150 00:07:17,360 --> 00:07:20,560 Speaker 4: Must be good, right, And it feels official right, Like 151 00:07:20,640 --> 00:07:23,200 Speaker 4: it feels legit because it's at the bank. It's not 152 00:07:23,320 --> 00:07:26,160 Speaker 4: like your aunt or your mum or somebody close to you. 153 00:07:26,320 --> 00:07:29,000 Speaker 4: I feel like there's that level of legitimacy that makes 154 00:07:29,040 --> 00:07:31,360 Speaker 4: you feel safe even though you shouldn't. 155 00:07:31,560 --> 00:07:37,280 Speaker 2: Absolutely absolutely yeah. So by the time I was twenty, 156 00:07:37,640 --> 00:07:40,920 Speaker 2: I was about thirty thousand dollars in debt. So I 157 00:07:41,040 --> 00:07:46,320 Speaker 2: had a twenty thousand dollars car debt and about jashi 158 00:07:46,400 --> 00:07:49,280 Speaker 2: of ten thousand dollars on a personal credit card. So 159 00:07:49,680 --> 00:07:52,920 Speaker 2: from their a few little job changes. I feel like 160 00:07:53,000 --> 00:07:55,160 Speaker 2: where I went wrong was that at no point was 161 00:07:55,200 --> 00:07:58,080 Speaker 2: I like, oh, I can't afford the way that I'm living, 162 00:07:58,200 --> 00:08:00,040 Speaker 2: I should really dial it back. I was like, I 163 00:08:00,080 --> 00:08:02,120 Speaker 2: can't afford the way that I'm living. I should get 164 00:08:02,120 --> 00:08:04,920 Speaker 2: a new job and earn more money. So the more 165 00:08:04,960 --> 00:08:07,000 Speaker 2: money I earned, the more I spent, the more I spent, 166 00:08:07,320 --> 00:08:11,880 Speaker 2: the more debt. It was terrible, a vicious cycle. So 167 00:08:12,000 --> 00:08:15,080 Speaker 2: I ended up moving into state, to a big capital 168 00:08:15,120 --> 00:08:17,640 Speaker 2: city for a job that was earning a lot more 169 00:08:17,680 --> 00:08:19,920 Speaker 2: than I was on. But with that came again the 170 00:08:20,000 --> 00:08:22,720 Speaker 2: lifestyle creep and now trying to keep up with a 171 00:08:22,720 --> 00:08:24,880 Speaker 2: whole new crowd of people that were earning more money, 172 00:08:24,920 --> 00:08:28,280 Speaker 2: and so it was pretty bad. Actually. So from there 173 00:08:28,440 --> 00:08:30,280 Speaker 2: I met my now husband. 174 00:08:30,320 --> 00:08:31,640 Speaker 4: Okay, you how did you meet? 175 00:08:31,800 --> 00:08:35,040 Speaker 2: So we did things a little bit backwards. Actually he 176 00:08:36,240 --> 00:08:39,160 Speaker 2: was one of my housemates, so we were living together. 177 00:08:39,360 --> 00:08:41,800 Speaker 4: That could have been so bad, that could have worked 178 00:08:41,800 --> 00:08:42,920 Speaker 4: out not well. 179 00:08:43,200 --> 00:08:45,520 Speaker 2: No, and I kind of figured that. I mean, worst 180 00:08:45,600 --> 00:08:49,960 Speaker 2: case scenario, you just move out and smoke bomb. Right, 181 00:08:50,240 --> 00:08:52,400 Speaker 2: Oh yeah, sure, yep, yep perfect. 182 00:08:52,400 --> 00:08:54,360 Speaker 4: I feel like you're not the first money Darris who 183 00:08:54,400 --> 00:08:56,880 Speaker 4: has ended up marrying their housemate, though yes. 184 00:08:57,040 --> 00:08:58,840 Speaker 2: I mean I guess you get to try before you 185 00:08:58,880 --> 00:09:00,600 Speaker 2: buy and money win. 186 00:09:01,000 --> 00:09:03,720 Speaker 4: Yeah, great, and you genuinely saw if he was actually 187 00:09:03,800 --> 00:09:06,520 Speaker 4: unloading the dishwasher and stuff, like what is this guy 188 00:09:06,840 --> 00:09:07,439 Speaker 4: like at home? 189 00:09:07,679 --> 00:09:08,359 Speaker 2: Absolutely? 190 00:09:08,600 --> 00:09:10,480 Speaker 4: Yeah, it does get rid of the magic of like 191 00:09:10,520 --> 00:09:12,720 Speaker 4: those first few months getting to know each. 192 00:09:12,559 --> 00:09:15,080 Speaker 2: Other one hundred percent. And it was funny because I 193 00:09:15,120 --> 00:09:18,320 Speaker 2: feel like, to kind of sum up our relationship as well, 194 00:09:18,360 --> 00:09:20,880 Speaker 2: he's like so straight to the point, honestly one of 195 00:09:20,920 --> 00:09:23,800 Speaker 2: the nicest people I've ever met. But because we were 196 00:09:23,840 --> 00:09:26,439 Speaker 2: already living together, I was like, is this a relationship 197 00:09:26,480 --> 00:09:29,080 Speaker 2: of convenience? Like do you actually like me? 198 00:09:29,320 --> 00:09:30,920 Speaker 4: I mean, I'm glad you were thinking that way. 199 00:09:31,200 --> 00:09:33,520 Speaker 2: Yeah. So we like, I had a bit of a 200 00:09:33,520 --> 00:09:36,120 Speaker 2: meltdown one day and I was like, I feel like 201 00:09:36,160 --> 00:09:39,040 Speaker 2: you're only with me because it's easy, and he just 202 00:09:39,040 --> 00:09:40,560 Speaker 2: looked at me, like dead in the eye, and he 203 00:09:40,640 --> 00:09:43,480 Speaker 2: was like, oh, babe, like there is nothing easy about 204 00:09:43,520 --> 00:09:47,600 Speaker 2: being with you. I mean, tell me how it really is. 205 00:09:47,760 --> 00:09:50,800 Speaker 2: I mean I think that I feel more secure now, 206 00:09:50,840 --> 00:09:51,720 Speaker 2: but also. 207 00:09:51,760 --> 00:09:54,760 Speaker 4: Like Brooch, I'm also very insecure about a number of 208 00:09:54,800 --> 00:09:55,439 Speaker 4: other things now. 209 00:09:55,480 --> 00:09:56,440 Speaker 2: Thank you for shifting that. 210 00:09:57,880 --> 00:09:58,160 Speaker 5: Yeah. 211 00:09:58,200 --> 00:10:02,160 Speaker 2: So I met him and he he was quite the 212 00:10:02,160 --> 00:10:06,400 Speaker 2: opposite to me, where came from very humble beginnings as well. 213 00:10:06,440 --> 00:10:11,040 Speaker 2: But he was really secure in himself and had really 214 00:10:11,120 --> 00:10:15,600 Speaker 2: good money habits, a really good relationship with money. So 215 00:10:15,640 --> 00:10:18,760 Speaker 2: he worked hard, he saved hard, but he was also 216 00:10:18,960 --> 00:10:21,440 Speaker 2: happy to spend on things that were important to him. 217 00:10:22,440 --> 00:10:24,400 Speaker 2: So he taught me quite a lot about how to 218 00:10:24,440 --> 00:10:27,640 Speaker 2: get out of that like a vicious just consumer debt cycle. 219 00:10:27,880 --> 00:10:30,600 Speaker 2: Oh I love this. Yeah, it was really really sweet. 220 00:10:30,679 --> 00:10:34,360 Speaker 2: So we got engaged. We decided that when we got 221 00:10:34,360 --> 00:10:36,800 Speaker 2: married we were going to share our finances anyway. And 222 00:10:36,960 --> 00:10:38,760 Speaker 2: he sent me down one day and he was like, look, 223 00:10:38,800 --> 00:10:41,679 Speaker 2: you're spending so much money on interest for your credit card. 224 00:10:42,320 --> 00:10:44,160 Speaker 2: I've got the money that we're going to be joining 225 00:10:44,200 --> 00:10:46,400 Speaker 2: money anyway. Why don't we just pay off your credit 226 00:10:46,400 --> 00:10:48,320 Speaker 2: card in full and then you can pay me back 227 00:10:48,400 --> 00:10:51,920 Speaker 2: without the interest. Oh that's so sweet. And I was like, 228 00:10:52,280 --> 00:10:54,720 Speaker 2: absolutely not. I don't need no man. 229 00:10:54,920 --> 00:10:57,520 Speaker 4: Right, Okay, So that's exactly how I would have responded 230 00:10:57,520 --> 00:11:00,720 Speaker 4: to But like, in theory, that is very kind of him. 231 00:11:02,120 --> 00:11:06,120 Speaker 2: But then I also grasped that maybe like this was 232 00:11:06,200 --> 00:11:08,800 Speaker 2: maybe it's a joint decision. Now, Yeah, we were going 233 00:11:08,880 --> 00:11:11,120 Speaker 2: to be in it. We were going to be sharing 234 00:11:11,280 --> 00:11:14,920 Speaker 2: the burden anyway, so let's just get it done. So 235 00:11:15,160 --> 00:11:18,400 Speaker 2: I paid off my credit card and then I paid 236 00:11:18,480 --> 00:11:21,319 Speaker 2: him back every single center of it in nine months. 237 00:11:21,320 --> 00:11:23,680 Speaker 4: Oh queen, do you feel like I put more pressure 238 00:11:23,679 --> 00:11:25,360 Speaker 4: on you to paid off too now that it was 239 00:11:25,400 --> 00:11:27,120 Speaker 4: like with your partner instead of a bank. 240 00:11:27,360 --> 00:11:29,960 Speaker 2: Yes, but I feel like it was good pressure because 241 00:11:30,920 --> 00:11:33,920 Speaker 2: it was like going to him. But then I also 242 00:11:34,080 --> 00:11:36,400 Speaker 2: knew that I wasn't just going to keep racking up 243 00:11:36,920 --> 00:11:39,679 Speaker 2: more debt knowing that I owed someone, Like I hate 244 00:11:39,800 --> 00:11:43,079 Speaker 2: owing anybody money for any reason unless it's. 245 00:11:43,800 --> 00:11:46,040 Speaker 4: No I am now the same, Like I do not 246 00:11:46,160 --> 00:11:49,319 Speaker 4: like owing people money, and it's something I won't say 247 00:11:49,320 --> 00:11:52,679 Speaker 4: I struggle with, but like even if other people are like, oh, 248 00:11:52,720 --> 00:11:54,960 Speaker 4: buy your coffee v I'm like, oh, no, that's fine. 249 00:11:54,960 --> 00:11:57,679 Speaker 4: I'd actually prefer to BUYE to and by yours, so 250 00:11:57,800 --> 00:12:00,520 Speaker 4: that I literally owe nobody anything. Like I don't know 251 00:12:00,640 --> 00:12:03,480 Speaker 4: what that weird complex is, but I just know where 252 00:12:03,480 --> 00:12:05,600 Speaker 4: it comes from, and it comes from being in that 253 00:12:05,640 --> 00:12:08,640 Speaker 4: situation before and just being like, I just don't want 254 00:12:08,640 --> 00:12:11,319 Speaker 4: anybody to laud anything over my head, and I'm grateful 255 00:12:11,320 --> 00:12:13,480 Speaker 4: that I'm in the financial position that I can do that, 256 00:12:13,760 --> 00:12:16,120 Speaker 4: but like I don't want to owe you. Sorry, Like 257 00:12:16,160 --> 00:12:18,000 Speaker 4: if we go out for lunch, I'm more likely to 258 00:12:18,000 --> 00:12:20,320 Speaker 4: try and pay the whole bill instead of you paying it, 259 00:12:20,360 --> 00:12:23,079 Speaker 4: because I would hate to think that I either owe 260 00:12:23,120 --> 00:12:24,760 Speaker 4: you money for lunch or you're like, oh no, you'll 261 00:12:24,760 --> 00:12:26,520 Speaker 4: get it next time. No, no, no, I just just 262 00:12:26,600 --> 00:12:29,160 Speaker 4: let me pay thanks by weird complex. 263 00:12:29,280 --> 00:12:31,719 Speaker 2: Absolutely, I'm exactly the same, Like I know, down to 264 00:12:31,800 --> 00:12:35,559 Speaker 2: the cent. If I owe someone money and I can't sleep, 265 00:12:35,640 --> 00:12:37,160 Speaker 2: like it could be two dollars, it could be two 266 00:12:37,240 --> 00:12:39,600 Speaker 2: hundred dollars, and I will not sleep until I have 267 00:12:39,679 --> 00:12:40,560 Speaker 2: paid off my debts. 268 00:12:40,679 --> 00:12:43,679 Speaker 4: No, I can resonate like that. Just it's so frustrating, 269 00:12:43,720 --> 00:12:45,880 Speaker 4: isn't it. And you're like that person doesn't even care. 270 00:12:46,360 --> 00:12:48,240 Speaker 2: I know, right, and like you could owe me all 271 00:12:48,240 --> 00:12:50,320 Speaker 2: the money in the world. I'm like, honestly, it's fine, 272 00:12:50,440 --> 00:12:52,400 Speaker 2: Like I know we'll get there one day. You do you, 273 00:12:52,679 --> 00:12:56,839 Speaker 2: but you are me, So tell me what did that 274 00:12:56,880 --> 00:12:57,160 Speaker 2: look like? 275 00:12:57,200 --> 00:12:58,920 Speaker 4: You got married, you had some babies. 276 00:12:59,320 --> 00:13:05,560 Speaker 2: Yeah, we got married, We had babies. I studied full 277 00:13:05,600 --> 00:13:08,960 Speaker 2: time at UNI, while I was working full time, while 278 00:13:09,000 --> 00:13:12,199 Speaker 2: I was planning a wedding. It was full on. I 279 00:13:12,280 --> 00:13:14,200 Speaker 2: honestly don't know where I got the energy from. Like 280 00:13:14,240 --> 00:13:17,400 Speaker 2: your twenties were just something different. Yeah. 281 00:13:17,400 --> 00:13:19,520 Speaker 4: I actually people always like how did you do it? 282 00:13:19,559 --> 00:13:23,040 Speaker 4: And I'm like, delusion, babe, delusion, Like I think I 283 00:13:23,120 --> 00:13:26,040 Speaker 4: was high on it. I couldn't do it. Now, how 284 00:13:26,080 --> 00:13:27,800 Speaker 4: did I do what I did? I don't know. 285 00:13:28,240 --> 00:13:30,520 Speaker 2: I don't know, honestly. I feel like if I've gone 286 00:13:30,520 --> 00:13:32,080 Speaker 2: for a walk in the morning, I just don't even 287 00:13:32,080 --> 00:13:35,280 Speaker 2: have energy to like unload the dishosher that day. Too 288 00:13:35,360 --> 00:13:39,800 Speaker 2: many tasks, yeap, relatable queen. Yeah, so I worked really hard. 289 00:13:40,000 --> 00:13:44,040 Speaker 2: I got like my dream career job, we got married, 290 00:13:44,240 --> 00:13:45,679 Speaker 2: we bought our first home. 291 00:13:46,280 --> 00:13:48,920 Speaker 4: She's ticking all of the boxes when it comes to 292 00:13:49,120 --> 00:13:51,840 Speaker 4: little achievements that people often set for themselves. 293 00:13:51,920 --> 00:13:54,160 Speaker 2: It was lovely, and it was all by the age 294 00:13:54,160 --> 00:13:57,360 Speaker 2: of twenty five. Okay, I know. Nope, I mean it's 295 00:13:57,400 --> 00:13:58,120 Speaker 2: downhill from there. 296 00:13:58,160 --> 00:14:01,040 Speaker 4: I picked early, Okay, a right, so make us feel 297 00:14:01,040 --> 00:14:01,640 Speaker 4: better about you. 298 00:14:02,640 --> 00:14:06,240 Speaker 2: Yeah, no, she picked early. But yeah, so it was good. 299 00:14:06,520 --> 00:14:12,160 Speaker 2: And then we hit that sneaky little pandemic that happened. 300 00:14:12,600 --> 00:14:14,200 Speaker 4: Oh yeah, the panini. 301 00:14:13,960 --> 00:14:17,679 Speaker 2: Yeah, the panini. Yeah, and then everything kind of changed 302 00:14:17,720 --> 00:14:20,720 Speaker 2: from there. What changed? How did it change. So we 303 00:14:21,560 --> 00:14:26,200 Speaker 2: had my son. He was one of the COVID Bobies, 304 00:14:26,440 --> 00:14:31,280 Speaker 2: so born during the lockdowns, and I had this new 305 00:14:31,520 --> 00:14:36,160 Speaker 2: kind of sense of really needing to be near my family. 306 00:14:36,760 --> 00:14:38,880 Speaker 2: And I could have sworn I would have never heard 307 00:14:38,880 --> 00:14:41,800 Speaker 2: myself say those words, right, Like, I moved into State 308 00:14:41,880 --> 00:14:44,520 Speaker 2: for a reason and I needed my space. And then 309 00:14:44,560 --> 00:14:45,600 Speaker 2: I had my son and I was. 310 00:14:45,560 --> 00:14:48,160 Speaker 4: Like, now you're like, let's just change this script. 311 00:14:48,440 --> 00:14:52,680 Speaker 2: Yeah. So we had bought our house in February twenty 312 00:14:52,720 --> 00:14:57,280 Speaker 2: twenty and by October twenty twenty one we had sold 313 00:14:57,320 --> 00:14:59,680 Speaker 2: and were moving into State to be closer to my family. 314 00:15:00,000 --> 00:15:01,880 Speaker 2: Oh my god. Yeah, it happened quickly. 315 00:15:02,160 --> 00:15:05,360 Speaker 4: Was that COVID driven, baby driven the mix of all 316 00:15:05,400 --> 00:15:07,440 Speaker 4: of it, Like, where did that come from? Especially as 317 00:15:07,480 --> 00:15:09,960 Speaker 4: someone who was like I left the state for a reason. 318 00:15:10,520 --> 00:15:13,520 Speaker 2: I know that's so sassy, isn't it. No? No, no, But it's. 319 00:15:13,760 --> 00:15:16,480 Speaker 4: Like I have so many friends who literally would have 320 00:15:16,480 --> 00:15:19,040 Speaker 4: said the same thing. But it's such a vibe, like 321 00:15:19,080 --> 00:15:21,800 Speaker 4: I seen so many people could resonate with that and 322 00:15:21,840 --> 00:15:23,600 Speaker 4: then be like, what do you mean you moved back? 323 00:15:23,960 --> 00:15:26,800 Speaker 2: Yeah? I was like, I moved eleven hundred kilometers away 324 00:15:27,000 --> 00:15:29,240 Speaker 2: for a reason. I will never move back to my 325 00:15:29,320 --> 00:15:32,840 Speaker 2: hometown until I have a baby, and I actually just 326 00:15:32,880 --> 00:15:37,640 Speaker 2: really need my mom. That's so fair, Like, I'm sorry, mom, 327 00:15:37,720 --> 00:15:44,120 Speaker 2: hell love you. I didn't mean it, take me back. Yeah. 328 00:15:44,160 --> 00:15:50,640 Speaker 2: So it was partly COVID driven, but mainly baby driven. Yeah. So, 329 00:15:50,760 --> 00:15:52,840 Speaker 2: just really wanted to be closer to home. But because 330 00:15:52,840 --> 00:15:55,200 Speaker 2: of the lockdowns, it meant that we had to buy 331 00:15:55,320 --> 00:15:58,720 Speaker 2: our next home site unseen. Oh wow, which was. 332 00:15:59,360 --> 00:16:02,000 Speaker 4: That would give me anxiety. That's like the biggest purchase 333 00:16:02,000 --> 00:16:03,560 Speaker 4: you've ever made in your life when you can't even 334 00:16:03,600 --> 00:16:05,400 Speaker 4: look at it before you give them the money. 335 00:16:05,560 --> 00:16:08,440 Speaker 2: Like, oh yeah, it was really bad. So we saw 336 00:16:08,520 --> 00:16:13,520 Speaker 2: our new home about two weeks after settlement. Wow, which 337 00:16:13,680 --> 00:16:16,800 Speaker 2: was a gamble to say the least. How did that go? 338 00:16:17,240 --> 00:16:20,360 Speaker 2: We are so grateful to have a home. Look, it 339 00:16:20,440 --> 00:16:22,320 Speaker 2: is a good house. 340 00:16:22,560 --> 00:16:25,720 Speaker 4: I'm waiting for the butt you can just say, but 341 00:16:25,920 --> 00:16:27,280 Speaker 4: it's anonymous, but. 342 00:16:27,480 --> 00:16:32,880 Speaker 2: No one knows who am I kidding? No, Look, it 343 00:16:33,000 --> 00:16:35,080 Speaker 2: is a really good house. It's in a great area. 344 00:16:35,320 --> 00:16:38,120 Speaker 2: We probably paid more of a premium because of the 345 00:16:38,200 --> 00:16:41,800 Speaker 2: area that it is in. But it needs quite a 346 00:16:41,800 --> 00:16:44,960 Speaker 2: bit of work. So when we first moved in, everything 347 00:16:45,000 --> 00:16:47,800 Speaker 2: seemed fine and then it started raining, and then there 348 00:16:47,920 --> 00:16:53,240 Speaker 2: was like an indoor water feature, and then it was Yeah, 349 00:16:53,280 --> 00:16:54,720 Speaker 2: it was pretty bad. We've had to put quite a 350 00:16:54,760 --> 00:16:56,920 Speaker 2: lot of money into it, which has set us back 351 00:16:57,240 --> 00:17:01,040 Speaker 2: in a few other ways. It was a massive gamble, 352 00:17:01,080 --> 00:17:03,160 Speaker 2: and I still kind of feel sick about how much 353 00:17:03,160 --> 00:17:07,320 Speaker 2: we paid for it start unseen. But I guess where 354 00:17:07,359 --> 00:17:10,960 Speaker 2: there's desperation, you kind of like you have to pay 355 00:17:11,000 --> 00:17:12,719 Speaker 2: what you have to pay. Right, that was kind of 356 00:17:12,760 --> 00:17:15,080 Speaker 2: just the climate that we were in, And I can't 357 00:17:15,080 --> 00:17:16,960 Speaker 2: really hold us you. 358 00:17:16,920 --> 00:17:19,120 Speaker 4: Did what was right at the time. Yeah, and now 359 00:17:19,320 --> 00:17:21,280 Speaker 4: you might have done it differently, but you can't change 360 00:17:21,320 --> 00:17:21,840 Speaker 4: the times. 361 00:17:22,040 --> 00:17:24,800 Speaker 2: So yes, and I'm kind of hoping that maybe we've 362 00:17:24,880 --> 00:17:28,600 Speaker 2: learned our lesson and next time I will be a 363 00:17:28,640 --> 00:17:31,520 Speaker 2: bit smarter about large purchases. 364 00:17:32,800 --> 00:17:36,879 Speaker 4: So in your money Dairy entry, you said, my husband 365 00:17:36,960 --> 00:17:39,800 Speaker 4: and I hit a combined income of over two hundred 366 00:17:39,800 --> 00:17:43,359 Speaker 4: thousand dollars and we had everything we ever wanted. What 367 00:17:43,400 --> 00:17:45,200 Speaker 4: do you do now? Like, what do you do for work? 368 00:17:45,280 --> 00:17:45,440 Speaker 1: Now? 369 00:17:45,520 --> 00:17:46,120 Speaker 4: What do you earn? 370 00:17:46,160 --> 00:17:48,840 Speaker 2: Because I know that the tables have turned. Yes, so 371 00:17:49,960 --> 00:17:52,960 Speaker 2: I took a big step back from the career that 372 00:17:53,000 --> 00:17:56,720 Speaker 2: I'd worked really hard to get and now I'm working 373 00:17:57,040 --> 00:17:59,399 Speaker 2: casually two and a half days a week as a 374 00:17:59,520 --> 00:18:03,480 Speaker 2: chiropract assistant. Oh cool. Yeah, so it's still a little 375 00:18:03,480 --> 00:18:07,920 Speaker 2: bit hands on, but it's administrative. It's like three minutes 376 00:18:08,200 --> 00:18:11,520 Speaker 2: from where I live, so so close to home, Like 377 00:18:11,560 --> 00:18:14,680 Speaker 2: I can ride my bike there if I wanted to. Yeah, 378 00:18:14,720 --> 00:18:18,160 Speaker 2: it's really good. And I earn there because it's casual. 379 00:18:18,200 --> 00:18:20,600 Speaker 2: That fluctuates a bit, but I think I'm on track 380 00:18:20,600 --> 00:18:23,800 Speaker 2: at the moment to earn about forty nine thousand plus super. 381 00:18:23,480 --> 00:18:24,840 Speaker 4: Oh for two days a week. 382 00:18:25,080 --> 00:18:26,960 Speaker 2: Yeah, I do two and a half days and then 383 00:18:27,080 --> 00:18:29,800 Speaker 2: like a Saturday every now and then. Oh, how nice. 384 00:18:30,400 --> 00:18:32,560 Speaker 2: Okay that is. I thought you were going to say 385 00:18:32,640 --> 00:18:33,040 Speaker 2: less than that. 386 00:18:33,080 --> 00:18:34,400 Speaker 4: I don't know why. I think because when you said 387 00:18:34,440 --> 00:18:36,119 Speaker 4: two and a half days, I was like, okay, cool, 388 00:18:36,240 --> 00:18:39,040 Speaker 4: Like that is. I'm very happy with that forty nine 389 00:18:39,040 --> 00:18:40,760 Speaker 4: thousand plus super Yeah. 390 00:18:40,760 --> 00:18:42,879 Speaker 2: So our boss is awesome. You know, he sees a 391 00:18:42,880 --> 00:18:45,080 Speaker 2: lot of value in what we do, and he certainly 392 00:18:45,160 --> 00:18:48,760 Speaker 2: pays us accordingly. Yeah, Adore, what an icon? 393 00:18:48,920 --> 00:18:50,800 Speaker 4: What does your husband do and how much does he earn? 394 00:18:50,920 --> 00:18:55,399 Speaker 2: Yeah? So he is a software engineer. He has permanently 395 00:18:55,560 --> 00:18:57,960 Speaker 2: actually gone part time as well because he wanted to 396 00:18:58,000 --> 00:18:59,639 Speaker 2: step back and have a bit more time with the 397 00:18:59,720 --> 00:19:04,000 Speaker 2: kids that we're young. So previously he was on about 398 00:19:04,000 --> 00:19:06,720 Speaker 2: one hundred and sixty plus super and now he's on 399 00:19:06,760 --> 00:19:09,960 Speaker 2: about one hundred and thirty plus super Hey for part time. 400 00:19:10,240 --> 00:19:13,359 Speaker 4: Yeah, yeah, okay, pop Off, tell me more about this. 401 00:19:13,520 --> 00:19:14,840 Speaker 4: How many days a week is he doing? 402 00:19:14,960 --> 00:19:17,760 Speaker 2: So he's doing four days a week and he does 403 00:19:17,800 --> 00:19:20,080 Speaker 2: anywhere between kind of like seven to eight hours a day, 404 00:19:20,280 --> 00:19:22,760 Speaker 2: gets to work from home, all goes into the city 405 00:19:22,800 --> 00:19:26,600 Speaker 2: if he feels like it. Yeah, it's a really good balance. 406 00:19:26,720 --> 00:19:29,320 Speaker 4: I'd love this for you guys, And I mean that 407 00:19:29,359 --> 00:19:31,720 Speaker 4: makes sense because you said when our kids arrived, everything 408 00:19:31,880 --> 00:19:35,200 Speaker 4: changed and now we have enough money for baby chinos 409 00:19:35,280 --> 00:19:37,919 Speaker 4: and that's enough for us. I low key love that 410 00:19:38,640 --> 00:19:43,840 Speaker 4: you own your home. Obviously your more lifestyle focused, I'm assuming. 411 00:19:44,240 --> 00:19:45,480 Speaker 4: Can you tell me a bit more about what your 412 00:19:45,520 --> 00:19:46,439 Speaker 4: big money goals are. 413 00:19:46,640 --> 00:19:49,800 Speaker 2: Yeah, so we were actually having a chat about this recently. 414 00:19:50,040 --> 00:19:52,359 Speaker 2: So I feel like, on one hand, we've got the 415 00:19:52,400 --> 00:19:55,840 Speaker 2: really practical ones of like finish the renovations so that 416 00:19:55,880 --> 00:19:58,560 Speaker 2: our house doesn't link every time it rains, try to 417 00:19:58,560 --> 00:20:00,760 Speaker 2: pay down the mortgage water feature. 418 00:20:00,800 --> 00:20:02,920 Speaker 4: We could reframe that make it really sexy. 419 00:20:03,119 --> 00:20:05,400 Speaker 2: When we actually moved in, it had an indoor water 420 00:20:05,440 --> 00:20:09,639 Speaker 2: feature down to a pond as well. It was atrocious. 421 00:20:09,880 --> 00:20:11,359 Speaker 2: I love that for you guys. 422 00:20:11,520 --> 00:20:13,679 Speaker 4: I too had an indoor water feature, but it was 423 00:20:13,800 --> 00:20:15,320 Speaker 4: accidental when we moved in. 424 00:20:15,600 --> 00:20:19,360 Speaker 2: Yeah, like it was. It was beautiful. Yeah, it's like 425 00:20:19,400 --> 00:20:21,879 Speaker 2: there was. When I say indoor water feature to pond, 426 00:20:21,920 --> 00:20:25,720 Speaker 2: I mean fish and all. Like it was terrible. But 427 00:20:25,920 --> 00:20:28,119 Speaker 2: at the moment, like, we've been kind of living this 428 00:20:28,240 --> 00:20:32,359 Speaker 2: little like part time life for a few months, and 429 00:20:32,400 --> 00:20:34,960 Speaker 2: I think long term money goal is to be in 430 00:20:35,000 --> 00:20:37,440 Speaker 2: a position where we actually don't have to go back 431 00:20:37,440 --> 00:20:40,000 Speaker 2: to work full time. Oh I love that. That sounds 432 00:20:40,240 --> 00:20:42,280 Speaker 2: so fun. Yeah, it just feels like a bit of 433 00:20:42,280 --> 00:20:43,399 Speaker 2: a trap, doesn't it. 434 00:20:43,440 --> 00:20:45,600 Speaker 4: Look The more I think about it, the more I'm like, 435 00:20:45,760 --> 00:20:48,040 Speaker 4: absolutely it is. But it turns out we have to 436 00:20:48,040 --> 00:20:50,280 Speaker 4: have money to trade for goods and services, and like 437 00:20:50,359 --> 00:20:52,919 Speaker 4: that's okay, rude, And I don't know, I feel like 438 00:20:52,960 --> 00:20:54,960 Speaker 4: we're stuck in the wheel, so we may as well 439 00:20:55,320 --> 00:20:58,200 Speaker 4: learn as much about money so that we can prioritize 440 00:20:58,200 --> 00:20:59,399 Speaker 4: our lifestyles as well. 441 00:20:59,520 --> 00:21:01,040 Speaker 2: I don't know, it's a good idea to me. Maybe 442 00:21:01,080 --> 00:21:02,920 Speaker 2: I should do a podcast or something. Have you heard 443 00:21:02,960 --> 00:21:05,520 Speaker 2: of it? I think there's one called something like She's 444 00:21:05,520 --> 00:21:07,920 Speaker 2: in the finance. You should look it up. Yeah, yeah, 445 00:21:07,920 --> 00:21:08,880 Speaker 2: that would be perfect. 446 00:21:08,960 --> 00:21:10,040 Speaker 4: Yeah, I'll look it up later. 447 00:21:10,200 --> 00:21:11,800 Speaker 2: You could use that name if you wanted. Yeah. 448 00:21:11,840 --> 00:21:13,280 Speaker 4: Thanks, Let's go to a break and then on the 449 00:21:13,280 --> 00:21:15,960 Speaker 4: flip side, I'm going to talk to you about investments. 450 00:21:15,960 --> 00:21:18,439 Speaker 4: We're going to talk about debt, best and worst money habits, 451 00:21:18,440 --> 00:21:19,800 Speaker 4: and maybe we'll come up with a better name. 452 00:21:19,720 --> 00:21:20,879 Speaker 2: For a podcast in the future. 453 00:21:24,880 --> 00:21:27,520 Speaker 4: All right, guys, we are back and our money at 454 00:21:27,600 --> 00:21:29,879 Speaker 4: host today grew up with a single mom in a 455 00:21:29,920 --> 00:21:33,760 Speaker 4: low socioeconomic area and has now flipped the script hit 456 00:21:33,800 --> 00:21:36,200 Speaker 4: a combined income of more than two hundred thousand dollars, 457 00:21:36,200 --> 00:21:38,320 Speaker 4: and has now chosen to take a step back so 458 00:21:38,359 --> 00:21:41,080 Speaker 4: that she can spend more time with her family and 459 00:21:41,440 --> 00:21:42,600 Speaker 4: get some baby chinos. 460 00:21:43,040 --> 00:21:44,720 Speaker 2: Can we just start off by talking. 461 00:21:44,800 --> 00:21:47,520 Speaker 4: So my kid is at the moment, what just over 462 00:21:47,560 --> 00:21:50,280 Speaker 4: eleven months old, and that to me is terrifying because 463 00:21:50,320 --> 00:21:52,840 Speaker 4: the first year has gone way quicker than I ever 464 00:21:52,960 --> 00:21:56,040 Speaker 4: consented to. But I'm starting to look at things. He 465 00:21:56,080 --> 00:21:58,399 Speaker 4: hasn't had a baby gino yet, but I'm starting to 466 00:21:58,480 --> 00:22:00,720 Speaker 4: see them on the menu more often it's something I 467 00:22:00,800 --> 00:22:03,440 Speaker 4: glossed over before. What do you mean a baby Chino 468 00:22:03,560 --> 00:22:04,360 Speaker 4: is three dollars. 469 00:22:04,640 --> 00:22:08,879 Speaker 2: It's actually ridiculous, And like little insider tip, they don't 470 00:22:08,960 --> 00:22:11,400 Speaker 2: drink it. They just want the little marshmallow that goes 471 00:22:11,440 --> 00:22:14,520 Speaker 2: on top. So just ask for a sneaky marshmallow with 472 00:22:14,560 --> 00:22:15,639 Speaker 2: your coffee next one. 473 00:22:15,720 --> 00:22:19,080 Speaker 4: Honestly, that's lokay smart, apart from the fact I did 474 00:22:19,080 --> 00:22:21,920 Speaker 4: that Tiny Heart's course and they said you're not allowed 475 00:22:21,920 --> 00:22:23,879 Speaker 4: to give your babies marshmallows, And now I'm scared of 476 00:22:23,880 --> 00:22:25,040 Speaker 4: marshmallows and popcorn. 477 00:22:25,119 --> 00:22:27,320 Speaker 2: Look, you probably should be. I actually used to work 478 00:22:27,359 --> 00:22:30,639 Speaker 2: as a paramedic, so I feel like terrible for even 479 00:22:30,680 --> 00:22:33,800 Speaker 2: suggesting that you just give you eleven month old a marshmallow. 480 00:22:34,119 --> 00:22:35,920 Speaker 4: No, but like I feel like we've we've got to 481 00:22:36,040 --> 00:22:38,000 Speaker 4: use our initiative in our nouse. I just have an 482 00:22:38,000 --> 00:22:39,840 Speaker 4: aversion to marshmallows at this point. 483 00:22:39,960 --> 00:22:42,439 Speaker 2: Yeah, And you know what, I'm actually more scared of 484 00:22:42,440 --> 00:22:44,840 Speaker 2: my kids if I tell them they can't have a marshmallow. 485 00:22:44,880 --> 00:22:45,640 Speaker 2: At the moment, I. 486 00:22:45,600 --> 00:22:49,440 Speaker 4: Think, okay, that's a very valid fear. That's very valid, 487 00:22:49,520 --> 00:22:52,720 Speaker 4: And you're like, you know what cost benefit analysis. 488 00:22:52,720 --> 00:22:54,679 Speaker 2: We're going to do a risk analysis on this. 489 00:22:55,160 --> 00:22:57,440 Speaker 4: I think that's fair, which means like, if you're doing 490 00:22:57,480 --> 00:23:01,280 Speaker 4: risk analysis, talk to me about in Is that something 491 00:23:01,280 --> 00:23:04,320 Speaker 4: that you've thought about? Is it something you're doing? What's 492 00:23:04,359 --> 00:23:05,000 Speaker 4: the plan there? 493 00:23:05,160 --> 00:23:08,120 Speaker 2: Yeah? So I have a Shares's account. 494 00:23:07,880 --> 00:23:10,199 Speaker 4: Oh a coen after my own heart. 495 00:23:10,359 --> 00:23:13,919 Speaker 2: Yeah, you can use this like really cool code SotM 496 00:23:14,000 --> 00:23:16,720 Speaker 2: and you get ten dollars in your wallet. Oh my god, 497 00:23:16,720 --> 00:23:18,320 Speaker 2: do you want to work for Sheese on the money? 498 00:23:18,520 --> 00:23:22,040 Speaker 4: Like not only are you suggesting better names, but yeah, 499 00:23:22,280 --> 00:23:24,320 Speaker 4: like you do get ten dollars for free to start 500 00:23:24,320 --> 00:23:24,800 Speaker 4: your journey? 501 00:23:24,960 --> 00:23:27,160 Speaker 2: Is that how you did that? Is how I did it? 502 00:23:27,320 --> 00:23:30,200 Speaker 2: Because it was just free money, wasn't it? 503 00:23:30,240 --> 00:23:33,560 Speaker 4: Like it's actually ludicrous, Like they give you ten dollars, 504 00:23:33,600 --> 00:23:35,440 Speaker 4: they don't give me ten dollars, Like I don't get 505 00:23:35,480 --> 00:23:37,800 Speaker 4: any kickback on that, because I was like that just 506 00:23:37,840 --> 00:23:40,800 Speaker 4: feels a little bit convoluted. Instead of five dollars for 507 00:23:40,880 --> 00:23:43,159 Speaker 4: me five dollars, you just give them the whole ten dollars. 508 00:23:43,600 --> 00:23:46,920 Speaker 4: But like, if you hypothetically put one hundred dollars into 509 00:23:46,960 --> 00:23:50,000 Speaker 4: your share trading platform, that's an instant ten percent return. 510 00:23:50,200 --> 00:23:53,679 Speaker 2: Absolutely that's better than the ASX is producing at the moment. 511 00:23:53,600 --> 00:23:57,160 Speaker 4: Right now, absolutely, so like I love that for you, 512 00:23:57,200 --> 00:23:59,680 Speaker 4: So talk to me about how you're picking on Chares's 513 00:23:59,760 --> 00:24:00,959 Speaker 4: and what's going on. 514 00:24:01,200 --> 00:24:04,959 Speaker 2: Yeah. So I have a few ETFs in there and 515 00:24:05,000 --> 00:24:08,679 Speaker 2: then a few just random companies that I figured that 516 00:24:08,680 --> 00:24:11,480 Speaker 2: I put some money into, mainly because I just wanted 517 00:24:11,480 --> 00:24:14,000 Speaker 2: to see how it all worked when I first started. So, 518 00:24:14,480 --> 00:24:17,199 Speaker 2: but I'm very much an ETF girly. So I've got 519 00:24:17,200 --> 00:24:19,840 Speaker 2: about seventeen hundred in chasas now. 520 00:24:19,760 --> 00:24:21,680 Speaker 4: Oh my gosh, so you are building it up. 521 00:24:21,840 --> 00:24:25,320 Speaker 2: Yeah, So we just make little contributions every month. So 522 00:24:25,400 --> 00:24:26,920 Speaker 2: when we were earning a little bit more, we were 523 00:24:26,920 --> 00:24:29,680 Speaker 2: putting more into our investments, and now that we've dropped back, 524 00:24:29,720 --> 00:24:32,639 Speaker 2: we've kind of just reduced that percentage as well. 525 00:24:32,680 --> 00:24:33,639 Speaker 4: Cool, very cool. 526 00:24:33,680 --> 00:24:38,639 Speaker 2: So we've got that. We've also got some ETFs under 527 00:24:39,240 --> 00:24:43,160 Speaker 2: the concept it'll pock it up, So my husband deals 528 00:24:43,160 --> 00:24:45,400 Speaker 2: with those ones and then I just do the chasis 529 00:24:45,720 --> 00:24:47,119 Speaker 2: and then we both have Super. 530 00:24:47,640 --> 00:24:50,639 Speaker 4: Very cool, And what's the plan for Super? Is that 531 00:24:50,720 --> 00:24:52,680 Speaker 4: something that you're like, oh, I reckon, it's on track? 532 00:24:52,720 --> 00:24:54,760 Speaker 4: Do we talk about that at home a lot? Like 533 00:24:54,840 --> 00:24:57,000 Speaker 4: how does that work? Because you had a pretty good 534 00:24:57,040 --> 00:24:59,760 Speaker 4: salary before you took a step back. So I'm assuming 535 00:24:59,800 --> 00:25:01,359 Speaker 4: you've cared about super before. 536 00:25:01,480 --> 00:25:01,760 Speaker 1: Yeah. 537 00:25:01,800 --> 00:25:06,520 Speaker 2: Absolutely, So I am a big super girlie in that, 538 00:25:06,720 --> 00:25:08,480 Speaker 2: Like I've got the app on my phone and I 539 00:25:08,560 --> 00:25:11,120 Speaker 2: kind of track it and I see where the investments 540 00:25:11,160 --> 00:25:15,080 Speaker 2: are going, and we have good conversations about it. We've 541 00:25:15,119 --> 00:25:18,800 Speaker 2: plugged kind of the numbers into the calculator before as well, 542 00:25:18,840 --> 00:25:22,040 Speaker 2: just to see where we're on track for retirement if 543 00:25:22,040 --> 00:25:24,399 Speaker 2: we needed to make any sort of additional contributions. But 544 00:25:24,440 --> 00:25:26,240 Speaker 2: I think at the moment we're pretty happy with where 545 00:25:26,240 --> 00:25:29,280 Speaker 2: we're sitting with our super accounts. Yeah, oh, how good. 546 00:25:29,600 --> 00:25:31,720 Speaker 4: I love when people are like, yeah, we're active, I 547 00:25:31,760 --> 00:25:33,720 Speaker 4: have the app. Do you know how many people don't 548 00:25:33,720 --> 00:25:36,639 Speaker 4: know that most super funds have an app? Like you 549 00:25:36,680 --> 00:25:38,800 Speaker 4: can literally just put it on your phone, the same 550 00:25:38,840 --> 00:25:41,600 Speaker 4: as like your phone banking and just like check. 551 00:25:41,840 --> 00:25:44,040 Speaker 2: But don't they just want to know what's in there? 552 00:25:44,200 --> 00:25:45,359 Speaker 2: Like I can't not know. 553 00:25:45,760 --> 00:25:48,280 Speaker 4: Some people are evasive of it, and I totally get that, 554 00:25:48,680 --> 00:25:51,920 Speaker 4: but I just like looking that it's doing what it's 555 00:25:51,960 --> 00:25:54,520 Speaker 4: meant to do. It makes me feel good when I've 556 00:25:54,560 --> 00:25:56,800 Speaker 4: maybe splurged you a little bit where I shouldn't have. 557 00:25:56,880 --> 00:26:01,240 Speaker 2: I'm like oh, Super doing all right. Yeah, I bought 558 00:26:01,280 --> 00:26:05,240 Speaker 2: Sight unseen. I's went too much on my house. But 559 00:26:05,359 --> 00:26:06,600 Speaker 2: my Super is okay. 560 00:26:06,800 --> 00:26:10,080 Speaker 4: She's healthy, she's happy, she's thriving. Let's not take it 561 00:26:10,119 --> 00:26:13,119 Speaker 4: any deeper. So talk to me about debt. You have 562 00:26:13,200 --> 00:26:15,679 Speaker 4: a mortgage, do you have any other debt? Tell me. 563 00:26:15,840 --> 00:26:18,600 Speaker 2: So, we've got a mortgage. We owe six hundred and 564 00:26:18,640 --> 00:26:21,760 Speaker 2: ninety thousand on our house, and we pay that at 565 00:26:21,800 --> 00:26:25,280 Speaker 2: six point zero nine percent, so it's pretty big monthly 566 00:26:25,280 --> 00:26:28,040 Speaker 2: bill that comes out. And the only other debt that 567 00:26:28,040 --> 00:26:30,680 Speaker 2: we've got, I've got a student debt of about nineteen 568 00:26:30,720 --> 00:26:34,880 Speaker 2: thousand dollars, which I'm really actively trying not to add too. 569 00:26:35,040 --> 00:26:37,800 Speaker 2: But I think in my head, heckstad is just free money, 570 00:26:38,240 --> 00:26:39,800 Speaker 2: like I'm such a serial student. 571 00:26:39,920 --> 00:26:42,199 Speaker 4: I mean, it's not, but I totally get that. 572 00:26:42,480 --> 00:26:45,360 Speaker 2: Yeah, it's absolutely not. And every time I log into 573 00:26:45,400 --> 00:26:47,280 Speaker 2: the account to see what it was kind of index 574 00:26:47,359 --> 00:26:50,440 Speaker 2: at or how little I'm paying off it, I'm reminded 575 00:26:50,480 --> 00:26:54,040 Speaker 2: of that. Yes, but really trying not to add to 576 00:26:54,080 --> 00:26:56,840 Speaker 2: that anymore and just pay that down. But otherwise we've 577 00:26:56,880 --> 00:27:01,159 Speaker 2: got no other loans or debts or anything, which is nice. 578 00:27:01,440 --> 00:27:04,320 Speaker 4: I love that six point oh nine as a interest 579 00:27:04,400 --> 00:27:07,720 Speaker 4: rate is relatively normal at the moment, which is kind 580 00:27:07,720 --> 00:27:09,800 Speaker 4: of crippling, Like I don't love to feel that, but 581 00:27:10,119 --> 00:27:11,920 Speaker 4: six point oh nine is I would say a pretty 582 00:27:11,920 --> 00:27:14,240 Speaker 4: good comparison rate. Do you have a broker that you're 583 00:27:14,240 --> 00:27:15,919 Speaker 4: working with, Like why did you know that? Just off 584 00:27:16,000 --> 00:27:17,960 Speaker 4: the top of your head? Did you check your app before? 585 00:27:18,080 --> 00:27:20,479 Speaker 4: Do you always review it? Like tell me about that? 586 00:27:20,800 --> 00:27:25,000 Speaker 2: Yeah, So I am always pretty across what our interest 587 00:27:25,119 --> 00:27:28,880 Speaker 2: rates are, just to make sure that they're competitive and 588 00:27:29,200 --> 00:27:31,639 Speaker 2: that there's nothing kind of better out there. We do 589 00:27:31,720 --> 00:27:34,040 Speaker 2: have a broker that we've used in the past who 590 00:27:34,119 --> 00:27:37,920 Speaker 2: was lovely fantastic, but we came off so when we 591 00:27:37,920 --> 00:27:40,120 Speaker 2: moved up, we were on a fixed rate at one 592 00:27:40,160 --> 00:27:42,760 Speaker 2: point nine percent, so then we used our broker I. 593 00:27:42,680 --> 00:27:45,240 Speaker 4: Know, Oh my gosh, yeah, yeah. 594 00:27:44,960 --> 00:27:46,800 Speaker 2: So it really hurt when we came off. 595 00:27:46,880 --> 00:27:49,120 Speaker 4: Oh you're speaking to the converted like I'm the same. 596 00:27:49,160 --> 00:27:50,760 Speaker 4: I'm like, ooh yeah. 597 00:27:50,800 --> 00:27:53,439 Speaker 2: And now we're just like desperately kind of waiting to 598 00:27:53,480 --> 00:27:55,280 Speaker 2: see what the RBA is going to do with the 599 00:27:55,280 --> 00:27:58,880 Speaker 2: cash raid and hope that it starts to come down soon. 600 00:27:59,200 --> 00:28:01,520 Speaker 2: But yeah, I'm pretty on top of what our interest 601 00:28:01,560 --> 00:28:04,840 Speaker 2: rate is because like, why give the bank any more 602 00:28:04,840 --> 00:28:07,639 Speaker 2: of my money than I honestly did in my twenties. 603 00:28:07,960 --> 00:28:10,000 Speaker 4: Very valid point. I feel like you've paid your way. 604 00:28:10,080 --> 00:28:12,240 Speaker 2: I've paid my share of interest rates. 605 00:28:12,400 --> 00:28:15,080 Speaker 4: Thank you one hundred percent. I feel like you've changed 606 00:28:15,080 --> 00:28:18,320 Speaker 4: your entire narrative around money. What do you think is 607 00:28:18,359 --> 00:28:19,600 Speaker 4: your best money habit? 608 00:28:19,920 --> 00:28:22,840 Speaker 2: So this might be a little left field, but I 609 00:28:22,880 --> 00:28:25,840 Speaker 2: think that because of everything I've been through, I have 610 00:28:25,920 --> 00:28:29,960 Speaker 2: a really solid understanding of my values. So whenever it 611 00:28:30,040 --> 00:28:35,040 Speaker 2: comes to making like financial decisions or purchases, like I 612 00:28:35,119 --> 00:28:36,919 Speaker 2: kind of just come back to whether or not it 613 00:28:36,960 --> 00:28:40,200 Speaker 2: feels good and it's in line without values and our goals. 614 00:28:40,520 --> 00:28:42,600 Speaker 2: And I feel like that's been a really good money 615 00:28:42,600 --> 00:28:46,960 Speaker 2: habit because it stops the guilt associated with spending. But 616 00:28:47,120 --> 00:28:48,840 Speaker 2: at the same time, it stops us from trying to 617 00:28:48,920 --> 00:28:51,360 Speaker 2: keep up with the joneses. Like I don't fall trapped 618 00:28:51,360 --> 00:28:55,240 Speaker 2: to like trends or fads or anything like that because 619 00:28:55,440 --> 00:28:58,480 Speaker 2: it just doesn't feel right. So I feel like that's 620 00:28:58,480 --> 00:29:00,920 Speaker 2: been a really good way to kind of just keep 621 00:29:01,480 --> 00:29:02,440 Speaker 2: spending in track. 622 00:29:02,800 --> 00:29:04,960 Speaker 4: Yeah, yeah, yeah, I love that. And I feel like 623 00:29:05,400 --> 00:29:08,400 Speaker 4: saying my best money habit is literally that I can 624 00:29:08,400 --> 00:29:10,479 Speaker 4: stay in line with my values sligh. 625 00:29:10,760 --> 00:29:11,360 Speaker 2: I love that. 626 00:29:12,440 --> 00:29:15,600 Speaker 4: I think that is literally one of the best responses 627 00:29:15,680 --> 00:29:17,200 Speaker 4: to be like no, no, no, Like, all of the 628 00:29:17,240 --> 00:29:19,320 Speaker 4: dollars I have coming in are working for me in 629 00:29:19,320 --> 00:29:21,600 Speaker 4: the way that I want them to, Like, how good, 630 00:29:21,800 --> 00:29:22,239 Speaker 4: flip it? 631 00:29:22,280 --> 00:29:25,600 Speaker 2: What's your worst? So I have what I like to 632 00:29:25,680 --> 00:29:30,800 Speaker 2: call a procrastination tax. So my motto seems to be like, 633 00:29:31,360 --> 00:29:34,120 Speaker 2: if it ain't broke, don't fix it, and if it 634 00:29:34,280 --> 00:29:39,360 Speaker 2: is broke, still don't fix it until it's urgent. Oh yeah, 635 00:29:39,480 --> 00:29:39,960 Speaker 2: I do that. 636 00:29:40,120 --> 00:29:42,960 Speaker 4: Yeah yeah, until your car's flashing at you and it 637 00:29:43,000 --> 00:29:44,920 Speaker 4: says you need it ail change and then you're like, 638 00:29:45,080 --> 00:29:48,000 Speaker 4: oh okay, well I'll think about it as an option. 639 00:29:48,320 --> 00:29:52,360 Speaker 2: Absolutely, So then you pay procrastination tax because you need 640 00:29:52,400 --> 00:29:54,960 Speaker 2: things done urgently a sap. 641 00:29:55,280 --> 00:29:56,880 Speaker 4: Yeah, Oh my god, I am. Do you know what 642 00:29:57,000 --> 00:29:59,800 Speaker 4: I didn't realize, But I'm actually the queen of procrastination? 643 00:30:00,280 --> 00:30:02,360 Speaker 2: Oh yes, well welcome. Yeah. 644 00:30:02,440 --> 00:30:05,240 Speaker 4: Like at Christmas time, Ah, I actually now have to 645 00:30:05,280 --> 00:30:09,200 Speaker 4: pay for express post because I didn't organize this earlier. 646 00:30:09,440 --> 00:30:10,960 Speaker 4: I actually have to go down to the shops and 647 00:30:10,960 --> 00:30:13,680 Speaker 4: buy this instead of getting the best possible price online 648 00:30:13,720 --> 00:30:15,000 Speaker 4: because I don't have time to wait. 649 00:30:15,200 --> 00:30:18,160 Speaker 2: Absolutely, and that happened with like a pipe that we 650 00:30:18,280 --> 00:30:21,880 Speaker 2: had that had a really slow trip, and I knew 651 00:30:21,880 --> 00:30:26,280 Speaker 2: that it needed to be done, but procrastination tax rules 652 00:30:26,520 --> 00:30:28,960 Speaker 2: then meant I had to leave it until the pipe 653 00:30:29,000 --> 00:30:31,280 Speaker 2: burst during that Christmas New Year period. 654 00:30:31,640 --> 00:30:34,160 Speaker 4: Oh good, It's always the time where it's going to 655 00:30:34,160 --> 00:30:35,360 Speaker 4: be the most expensive. 656 00:30:35,640 --> 00:30:38,960 Speaker 2: Yeah, yes, So please may I pay a premium to 657 00:30:38,960 --> 00:30:42,440 Speaker 2: get a plumber to fix my first water part because 658 00:30:42,560 --> 00:30:45,240 Speaker 2: that I knew about for a really long time, for 659 00:30:45,360 --> 00:30:45,880 Speaker 2: too long? 660 00:30:46,120 --> 00:30:48,320 Speaker 4: Oh well, do you know what I'm impressed with you? 661 00:30:48,440 --> 00:30:51,520 Speaker 4: It's actually about having insight into your own life, and 662 00:30:51,560 --> 00:30:52,920 Speaker 4: I feel like you have a lot of that. 663 00:30:53,640 --> 00:30:53,960 Speaker 2: Tell me. 664 00:30:54,040 --> 00:30:56,040 Speaker 4: At the start of this episode, you were like, I 665 00:30:56,160 --> 00:30:58,720 Speaker 4: reckon they I'm a solid bee? What makes you a 666 00:30:58,760 --> 00:31:00,440 Speaker 4: solid bee? And one you an A? 667 00:31:00,800 --> 00:31:00,880 Speaker 1: Like? 668 00:31:00,920 --> 00:31:02,200 Speaker 4: What would an A look like? 669 00:31:02,520 --> 00:31:02,760 Speaker 5: Yeah? 670 00:31:02,800 --> 00:31:05,080 Speaker 2: So I think that I'm a solid B because I'm 671 00:31:05,480 --> 00:31:08,160 Speaker 2: pretty across where our money is coming in where it's 672 00:31:08,200 --> 00:31:11,760 Speaker 2: going out. I'm pretty comfortable with how we spend things 673 00:31:12,000 --> 00:31:16,600 Speaker 2: and how we save. I don't know that I would 674 00:31:16,760 --> 00:31:19,880 Speaker 2: ever want to get up to an A if I'm honest. 675 00:31:19,960 --> 00:31:22,280 Speaker 2: I feel like, once i think that I've learned everything 676 00:31:22,360 --> 00:31:24,600 Speaker 2: that I'm going to stop trying so hard and you 677 00:31:24,760 --> 00:31:27,560 Speaker 2: kind of stop evolving. So I think that if in 678 00:31:27,600 --> 00:31:29,520 Speaker 2: my head I was an A or an A pass, 679 00:31:29,560 --> 00:31:32,040 Speaker 2: I'd just not try. Yeah, and then I just wouldn't try, 680 00:31:32,120 --> 00:31:34,000 Speaker 2: And I think that that can be really dangerous. 681 00:31:34,200 --> 00:31:36,720 Speaker 4: I think that's a really positive way to stay a B. 682 00:31:37,000 --> 00:31:38,640 Speaker 4: I don't even want you to become an A now, 683 00:31:38,920 --> 00:31:40,160 Speaker 4: like just live in by. 684 00:31:40,360 --> 00:31:41,800 Speaker 2: I love it. I love it. 685 00:31:41,840 --> 00:31:43,960 Speaker 4: I loved this. I feel like this is such a 686 00:31:43,960 --> 00:31:47,080 Speaker 4: good chat. Last question I have is you said, look, 687 00:31:47,360 --> 00:31:51,400 Speaker 4: we've definitely traded our career ambitions for you know, prioritizing 688 00:31:51,400 --> 00:31:54,680 Speaker 4: what truly matters to you. Do you have any regrets 689 00:31:54,760 --> 00:31:56,560 Speaker 4: with that? Because I feel like lots of people listen 690 00:31:56,600 --> 00:31:58,480 Speaker 4: to these and they're like, yeah, but like the extra 691 00:31:58,560 --> 00:32:01,680 Speaker 4: cash is so helpful, and what I do, like, what 692 00:32:01,720 --> 00:32:03,760 Speaker 4: are your regrets about making this decision? 693 00:32:04,040 --> 00:32:09,080 Speaker 2: I'm not sure that I have many regrets. No regrets, 694 00:32:09,080 --> 00:32:13,600 Speaker 2: no regrets. I think that a lot of the ways 695 00:32:13,600 --> 00:32:17,480 Speaker 2: that we were spending our money was on things because 696 00:32:17,560 --> 00:32:19,720 Speaker 2: of how it would make us look to other people. 697 00:32:20,440 --> 00:32:24,320 Speaker 2: So we would say, go on these really expensive, luxurious 698 00:32:24,320 --> 00:32:27,600 Speaker 2: family holidays, but no one would see that. On the 699 00:32:27,640 --> 00:32:30,280 Speaker 2: other side, I was having panic attacks going to work 700 00:32:30,320 --> 00:32:34,120 Speaker 2: every day. No, that's not worth it. No, and it wasn't. 701 00:32:34,200 --> 00:32:36,280 Speaker 2: And I think that once I had that moment where 702 00:32:36,280 --> 00:32:38,360 Speaker 2: it was like this is not adding up, Like this 703 00:32:38,440 --> 00:32:41,640 Speaker 2: is not okay. We still have family holidays, but it's 704 00:32:41,720 --> 00:32:45,400 Speaker 2: camping or it's like a staycation at home. Like, I 705 00:32:45,480 --> 00:32:47,520 Speaker 2: feel a lot better, My mental health is a lot 706 00:32:47,560 --> 00:32:51,880 Speaker 2: better for that. There is that side of me that 707 00:32:51,960 --> 00:32:55,560 Speaker 2: still does kind of worry about what if one day 708 00:32:55,600 --> 00:32:58,000 Speaker 2: we run out of money and I don't have my 709 00:32:58,480 --> 00:33:02,400 Speaker 2: lunchbox money, say up squirreled somewhere to feed the family. 710 00:33:02,800 --> 00:33:04,440 Speaker 4: That's a deep down feeling, isn't it. 711 00:33:04,680 --> 00:33:06,840 Speaker 2: Yeah, So I think that there is still that, but 712 00:33:06,960 --> 00:33:10,960 Speaker 2: I kind of combat that with knowing that money is 713 00:33:11,040 --> 00:33:13,200 Speaker 2: just a tool and you can always earn more money 714 00:33:13,200 --> 00:33:15,560 Speaker 2: if you need to. That you can never get this 715 00:33:15,720 --> 00:33:17,400 Speaker 2: time back. I love that so much. 716 00:33:17,480 --> 00:33:19,440 Speaker 4: I wish we had more time money, drist It has 717 00:33:19,480 --> 00:33:21,920 Speaker 4: been a pleasure getting to chat with you today, getting 718 00:33:21,920 --> 00:33:24,040 Speaker 4: to learn about you and your little family and that 719 00:33:24,280 --> 00:33:27,040 Speaker 4: maybe we do but don't. Like the marshmallow on top 720 00:33:27,080 --> 00:33:29,080 Speaker 4: of a baby Chino, like we just can't get to 721 00:33:29,080 --> 00:33:31,080 Speaker 4: the bottom of that one. And that's totally okay. But 722 00:33:31,200 --> 00:33:33,400 Speaker 4: I have adored this chat, and I just know that 723 00:33:33,440 --> 00:33:35,520 Speaker 4: the community are going to have so many or have 724 00:33:35,640 --> 00:33:37,560 Speaker 4: had so many moments in this episode where. 725 00:33:37,400 --> 00:33:40,560 Speaker 2: They're like same, that's me, same, because like. 726 00:33:40,760 --> 00:33:43,960 Speaker 4: It's just so relatable. So I really appreciate it and 727 00:33:44,000 --> 00:33:46,160 Speaker 4: know that community is going to love this episode as. 728 00:33:46,160 --> 00:33:48,160 Speaker 2: Much as I have. Thank you so much for having me. 729 00:33:48,440 --> 00:33:57,400 Speaker 4: Of course, the advice shared on Cheese on the Money 730 00:33:57,520 --> 00:34:01,240 Speaker 4: is generally nature and does not consider you're in vidual circumstances. 731 00:34:01,600 --> 00:34:05,040 Speaker 4: She's on the Money exists purely for educational purposes and 732 00:34:05,040 --> 00:34:07,480 Speaker 4: should not be relied upon to make an investment or 733 00:34:07,560 --> 00:34:11,480 Speaker 4: financial decision. If you do choose to buy a financial product. 734 00:34:11,239 --> 00:34:14,680 Speaker 5: Read the PDS TMD and obtain appropriate financial. 735 00:34:14,360 --> 00:34:16,160 Speaker 4: Advice tailored towards your needs. 736 00:34:16,520 --> 00:34:20,480 Speaker 5: Victoria Divine and She's on the Money are authorized representatives 737 00:34:20,520 --> 00:34:24,200 Speaker 5: of Money. Sheper Pty Ltd a BN three two one 738 00:34:24,400 --> 00:34:28,319 Speaker 5: six four nine two seven seven zero eight AFSL four 739 00:34:28,400 --> 00:34:35,719 Speaker 5: five one two eight nine