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

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Speaker 1: Order Kerney Whoalbury and a waddery woman. And before we

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

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

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

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

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

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

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Speaker 1: and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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

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

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Speaker 4: of our money diaries where I get the absolute pleasure

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Speaker 4: of sitting down with one of our She's on the

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Speaker 4: Money community members and talking to them all about their

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Speaker 4: money story. Let's jump straight into it, because this week

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Speaker 4: we got a message and it sounded exactly like this. Hi,

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Speaker 4: She's on the Money team. I wanted to share my

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Speaker 4: money story to inspire those struggling with consumer debt. From

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Speaker 4: a young age, I was exposed to bad debts my

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Speaker 4: family had. This led me to believe that as long

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Speaker 4: as I made the minimum repayments, it didn't matter how

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Speaker 4: much I borrowed. At eighteen, I applied for multiple buy

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Speaker 4: now pay later accounts without considering the consequences, even though

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Speaker 4: I had no job and relied on Centrelink payments. I

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Speaker 4: became irresponsible with money, maxed out my zip pay and

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Speaker 4: zip money, and couldn't pay off my after pay account,

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Speaker 4: leading to debt collectors chasing me. I was a victim

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Speaker 4: of lifestyle creep and never had more than five hundred

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Speaker 4: dollars in saving, which I often spent on shopping or bills.

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Speaker 4: In twenty twenty three, I decided to take control. I

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Speaker 4: got a job earning sixty five thousand dollars a year.

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Speaker 4: I started paying down my debts one at a time,

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Speaker 4: and now at twenty four, I'm consumer debt free and

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Speaker 4: I've deleted all my buy now pay later accounts. Money, Diarist,

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Speaker 4: that is so exciting.

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Speaker 2: Thank you, I'm so so excited. I'm sure you can

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Speaker 2: understand the weight lifted off my shoulders every time I

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Speaker 2: think you know my debts, Yeah, not having to pay

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Speaker 2: for it and actually having money left over from paying

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Speaker 2: all my bills.

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Speaker 4: Obviously, no one goes into debt on purpose, right, Like

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Speaker 4: you don't get buy now, pay later accounts, so that

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Speaker 4: you've got debt collectors chasing you. Like not one person

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Speaker 4: would say that's exactly what I wanted to be. But

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Speaker 4: then you end up there, and I think that once

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Speaker 4: you are there, it feels overwhelming and all consuming and

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Speaker 4: you just don't feel like you can get ahead. But

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Speaker 4: the anxiety that you feel around your phone or you

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Speaker 4: checking your emails or your mailbox, like you just know

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Speaker 4: that you're not in the right position. Now that that's

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Speaker 4: been lifted, Can you imagine yourself going back there?

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Speaker 2: Absolutely not, Absolutely not. I think now that I'm on

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Speaker 2: the other side, I often, you know, look back and

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Speaker 2: look at my eighteen year old self and be like,

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Speaker 2: why did you even do that? What was the reason?

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Speaker 2: But I think now it's it's given me, I guess,

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Speaker 2: so much, a lesson to just look back to whenever

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Speaker 2: I think about wanting to get back on that. Yeah,

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Speaker 2: it's such a great feeling and I want to stay

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Speaker 2: here forever.

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Speaker 4: I love that and I feel that because that's exactly

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Speaker 4: what I went through. Let's jump in a little bit

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Speaker 4: deeper because I want to ask so many questions about

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Speaker 4: your money story. But before we get there, money Diarist,

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Speaker 4: if I asked you to give your money habits a

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Speaker 4: grade from A through to F, what would you say

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Speaker 4: they are today?

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Speaker 2: I would say that I'm a CS Ooh.

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Speaker 4: Okay, tell me a bit more about that. Let's dive

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Speaker 4: a little bit. Can you tell me a bit more

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Speaker 4: about your money story?

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Speaker 2: Absolutely so. Growing up, when it comes to debts, my

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Speaker 2: family always said, as long as it's being paid, it

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Speaker 2: doesn't really matter. So obviously I took that to heart,

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Speaker 2: and when I turned eighteen, all I wanted was a

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Speaker 2: credit card and or buy now, pay later apps so

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Speaker 2: that I could start shopping. Because my belief was that

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Speaker 2: it was free money as long as I was making

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Speaker 2: the minimum repayments. And because of this mindset, I, like

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Speaker 2: I said, I quickly found myself drowning in so much

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Speaker 2: debt and wrapped up ten thousand dollars worth of consumer debts,

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Speaker 2: and for years I didn't know how I'd get out

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Speaker 2: of it. I was constantly stressed about money, and I

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Speaker 2: became super insecure about money and pretty much attached my

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Speaker 2: worth to those debts. And then I met my partner,

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Speaker 2: who showed me a whole different way of thinking about finances.

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Speaker 2: I remember his mum telling me, you know, don't get

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Speaker 2: a credit card unless you know how to use it responsibly.

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Speaker 2: And at the time, I had just maxed out on

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Speaker 2: a new credit card and felt so embarrassed.

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Speaker 4: And You're like, yeah, yeah, totally, yeah, I agree with you.

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Speaker 4: I would never.

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Speaker 2: Do you know what's funny you say that, because that's

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Speaker 2: exactly what I was saying, like, oh, that's that's exactly

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Speaker 2: what I learned at And then in my head I'm like,

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Speaker 2: oh my god. Yeah, I'm like, there's absolutely no way.

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Speaker 4: It's such a funny position to be in now that

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Speaker 4: you look back on it, right, because I was exactly

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Speaker 4: the same, Like I remember my friends being like, oh,

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Speaker 4: I would never get a credit card, and I'm sitting

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Speaker 4: there being like, yeah, so neither, of course, of course.

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Speaker 4: And I literally just signed up to a person alone.

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Speaker 1: Yeah.

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Speaker 2: I don't know where we were, but yeah, she said that,

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Speaker 2: And that stuck to me because obviously I had a

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Speaker 2: credit card and I was applying for a higher credit

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Speaker 2: limit because I'm like, oh, I've already maxed out, like

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Speaker 2: I want to use more and in my head, I'm like, yeah, no, honestly,

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Speaker 2: nobody should have a credit card if they're not using

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Speaker 2: it responsibly. And then there I am applying for a

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Speaker 2: higher credit limit, so the rules don't.

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Speaker 4: Apply to our right, Like it's not to do as

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Speaker 4: I say, not as I do.

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Speaker 2: Kind of fine, exactly exactly.

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Speaker 4: And I think that's what's so funny about it, right, Like,

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Speaker 4: obviously being in deck sucks, there's nothing funny about it.

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Speaker 4: But now you're on the flip side, you can kind

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Speaker 4: of reflect on your own actions. And I can almost

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Speaker 4: guarantee if you and I were having that chat while

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Speaker 4: you were applying and I said, should people have a

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Speaker 4: credit card, you'd be like, VI, of course not, that's

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Speaker 4: really irresponsible. And then you're like, give me two minutes.

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Speaker 4: I'm just going to fill in this application exactly, and

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Speaker 4: I'll be right back with you exactly.

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Speaker 2: I come home and yeah, I applied.

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Speaker 4: It's until you can kind of break that cycle and

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Speaker 4: something happens. Because I think that that's why I don't

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Speaker 4: regret being in that debt, Like I feel like a

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Speaker 4: lot of the time people like I wish I never

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Speaker 4: went through that, and like, yeah, I wish I had

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Speaker 4: that money back too. I really wish that I didn't

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Speaker 4: do that, But that's maybe why now I see how

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Speaker 4: important it is, I see how deeply it impacts people.

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Speaker 4: It's why I get to do what I do every day.

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Speaker 4: And I think it's why I value what we have

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Speaker 4: now even more because I know what it's like to

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Speaker 4: not be in that situation. Do you think that that's

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Speaker 4: now part of your narrative?

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Speaker 2: One hundred And like you said, you know, some people,

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Speaker 2: when they get out of debt and you know, be

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Speaker 2: financially responsibile, they look back and say, I wish I

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Speaker 2: had never gone down that route. But for me, I

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Speaker 2: was actually so so grateful that that was my situation

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Speaker 2: because I was able to really, I guess, break down

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Speaker 2: that generational trauma in my family regarding debts and be

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Speaker 2: the first person in my family to say, you know,

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Speaker 2: we don't need to have debts to be able to

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Speaker 2: have whatever we want. We can save towards it and

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Speaker 2: we can really have, you know, those smart goals to

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Speaker 2: be able to get whatever we want. So you know, I,

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Speaker 2: I'm really really grateful, even though I was so stressed

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Speaker 2: and I didn't know how I was going to get

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Speaker 2: out of it. You know, you can still prove that

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Speaker 2: you can get out of it. It takes a lot

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Speaker 2: of time, it takes a lot of hard work, but

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Speaker 2: if you really want to, you can definitely do it.

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Speaker 4: Looking back on it, do you feel like that was

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Speaker 4: a really really hard step, because obviously, when you grow

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Speaker 4: up with a certain lifestyle, stepping beyond that and doing

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Speaker 4: something that you've got no experience with is really overwhelming

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Speaker 4: and really daunting. Like what what did you experience growing up? So,

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Speaker 4: I know in your money story you said that you know,

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Speaker 4: growing up, you know you were exposed to bad debts

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Speaker 4: that your family had. What was their take? How did

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Speaker 4: they act around money?

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Speaker 2: So growing up, I guess there was already some sort

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Speaker 2: of like a buy now, pay later situation. But because

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Speaker 2: I grew up in the Philippines, we would have people

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Speaker 2: come to our house with like magazines and then you

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Speaker 2: would pick out whatever products you want and then they'd

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Speaker 2: bring it over to the house and then you'll pay

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Speaker 2: it in installments. And so that's what I was exposed

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Speaker 2: to most of the time, with you know, my my

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Speaker 2: mom or my aunties would be going through like do

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Speaker 2: shopping on that magazine and just check whatever they want

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Speaker 2: and I you know, money was never really an issue

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Speaker 2: for them because again, like they said, you know, as

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Speaker 2: long as we can pay it off, that's fine, and

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Speaker 2: so you just keep on going and keeping going, and

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Speaker 2: growing up, we never really spoke about money. All I

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Speaker 2: knew at the time was that my mum and my

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Speaker 2: dad went to work to provide for us, and I

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Speaker 2: never felt the struggle because obviously there's always food on

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Speaker 2: the table, there's always you know, there's roof over our heads,

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Speaker 2: and so we were never taught anything about managing money.

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Speaker 2: We were never taught about not having any debts. Especially

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Speaker 2: in my country. If you owe someone and that someone

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Speaker 2: ask you the money that you owed, they'd actually get

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Speaker 2: angry because I know that I owe you money, but

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Speaker 2: like you don't stop asking me. I'll give it to

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Speaker 2: you when I want to type thing. So it's a

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Speaker 2: really really really toxic environment or really toxic mindset when

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Speaker 2: it comes to debts. Back home, I wouldn't say it's,

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Speaker 2: you know, part of the culture, but I'm just saying

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Speaker 2: for my family, that's what I was exposed to. So

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Speaker 2: when I was being chased by debt collectors from after pay,

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Speaker 2: I actually in my head at the time I'm like,

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Speaker 2: just ignore them, they'll go away. But being in a

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Speaker 2: different country, it's actually really really different because they won't

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Speaker 2: go away, just absolutely not. So yeah, it's so different.

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Speaker 2: It's different cultures, different mindsets that I've been exposed to.

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Speaker 2: And I think when I finally you know, I guess

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Speaker 2: it was like a switch last year when I turned

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Speaker 2: twenty three, when my partner and I decided to move

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Speaker 2: out of our family homes and rent a place together.

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Speaker 2: Suddenly I had real responsibilities. You know, our bills I

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Speaker 2: never had to pay for when I lived with my parents,

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Speaker 2: And that's when I found myself really really struggling and

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Speaker 2: the transition for me was tough. So I had to

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Speaker 2: obviously do something about it. And yeah, I just told

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Speaker 2: myself be consumer debt free by before you turn twenty five.

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Speaker 4: I love this and you've definitely achieved that. Yeah, how good.

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Speaker 4: I Also, while you were talking, I was thinking about

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Speaker 4: how times have changed, because you were talking about the

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Speaker 4: magazine coming around, and while we didn't have that for

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Speaker 4: a lot of products, we definitely had things when I

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Speaker 4: was growing up, like Avon, like so they had like

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Speaker 4: the book and it was kind of like cosmetics, and

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Speaker 4: you did exactly the same thing. And yeah, I feel

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Speaker 4: like over time, being able to spend money and get

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Speaker 4: into debt has just got more and more accessible. So

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Speaker 4: even if your parents were in debt and they were

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Speaker 4: making the minimum repayments and they were let's just say,

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Speaker 4: financially irresponsible, and you were experiencing that, I feel like, potentially,

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Speaker 4: historically it was not as bad. And I won't say

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Speaker 4: it was not crippling, like it must have been really

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Speaker 4: hard and money was stressful. But the world is so

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Speaker 4: much bigger now, Like I can do that with literally

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Speaker 4: any product at any time of the day, Like I

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Speaker 4: don't need to wait for a magazine to come to

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Speaker 4: my house. I can just jump online. Like at the

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Speaker 4: moment moneyed diarrest, I'm breastfeeding, So like at three, if

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Speaker 4: I am on my phone while breastfeeding because I don't

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Speaker 4: want to fall asleep, I'm like, oh, that looks nice.

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Speaker 4: I'll have that, Like it's a slippery slope. I can

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Speaker 4: literally do it. Twenty four seven. Absolutely, I feel like

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Speaker 4: now we can get ourselves in even more trouble. And

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Speaker 4: I just feel like that isn't spoken about enough because

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Speaker 4: we talk about these generational cycles, and you're correct, it was,

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Speaker 4: you know, a toxic mindset, and you've moved past that,

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Speaker 4: But like the slope is really slippery for us. If

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Speaker 4: we are in this position where that's not that bad,

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Speaker 4: no worries, we fall down so many more stairs than

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Speaker 4: our parents were ever able to because once you maxed out, zippay,

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Speaker 4: don't worry. You can go get after pay. Don't worry

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Speaker 4: about after pay. You can get a credit card. Oh,

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Speaker 4: don't worry about a credit card. You can get a

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Speaker 4: personal loan. Oh, there's so many options. Don't worry about it.

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Speaker 4: And I feel like that compounding is something that our

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Speaker 4: parents never had to go through, and now that you know,

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Speaker 4: people like you and I in our generation, we're doing

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Speaker 4: it and then we get so crippled by it that

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Speaker 4: we just draw a line in the sand and go

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Speaker 4: absolutely not never again, because our parents never got to

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Speaker 4: that point where it was as crippling as it is

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Speaker 4: for us. Do you feel like that's a part of

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Speaker 4: the narrative as well?

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Speaker 3: Yeah?

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Speaker 2: Absolutely, And I think the most important thing as well

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Speaker 2: to that I realized and I learned as well, is

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Speaker 2: that once you get out of debt, it doesn't mean

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Speaker 2: that you're fully fully out of debt, because if your

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Speaker 2: mindset is still the same as before when you were

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Speaker 2: in debt, you'll continue to go back to that cycle

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Speaker 2: and it'll be like a rotating door of getting out

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Speaker 2: of debt, going back into debt, getting out of debt,

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Speaker 2: and going back into debt. And I think the most

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Speaker 2: important thing to also, you know, keep yourself motivated to

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Speaker 2: get out of debt is to really think about your

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Speaker 2: goal and your why as to why you want to

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Speaker 2: be out of debt and why you're working so hard

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Speaker 2: to be out of debt. Is because I finally paid

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Speaker 2: off my zip pay. There was a time where I

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Speaker 2: was sitting down on the couch and I was so bored,

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Speaker 2: just so easy, right, Yeah, I was so bored, and

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Speaker 2: I you know, I'm like, oh, I want to I

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Speaker 2: want to buy this pair of shoes. But I only

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Speaker 2: had like what twenty dollars in my account after paying

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Speaker 2: off all of my bills, and I was like, do

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Speaker 2: you know what, I'll just apply on zipay. I'll just

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Speaker 2: spend one hundred dollars on zip pay and then pay

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Speaker 2: it off and then close it again. And you know,

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Speaker 2: I had to catch myself really quickly like no, because

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Speaker 2: that's not where we are able to Yeah, that's not

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Speaker 2: who we are we are anymore, So it takes a

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Speaker 2: lot of discipline to not go back to that after

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Speaker 2: just coming out of that situation.

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Speaker 4: One hundred percent. And because we are humans, humans inherently

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Speaker 4: do not like change. So going back to a cycle

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Speaker 4: that you know, even though you don't love it, you

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Speaker 4: know it. You go, that's predictable, I know exactly what

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Speaker 4: will happen. I can you know, work with that outcome.

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Speaker 4: It's hard to go from there to a completely different

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Speaker 4: mindset of going, well, what do you mean? And this

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Speaker 4: layer of instant gratification versus delayed gratification comes to it.

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Speaker 4: It's been an instant gratification Gali, for your whole life.

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Speaker 4: You were always used to just getting it, and now

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Speaker 4: you've got to wait, like what do you mean? Like

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Speaker 4: I'm not used to that. Like that doesn't feel good.

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Speaker 4: I don't know why we're here. So it can be

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Speaker 4: so hard to slip back into the cycle. I want

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Speaker 4: to know. You mentioned that having clear goals and having

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Speaker 4: a clean mindset makes you know the whole thing work right,

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Speaker 4: So tell me what are your big money goals? What

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Speaker 4: are you working towards?

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Speaker 2: So I have a few big money goals. So my

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Speaker 2: big money goal is to have a fully funded emergency fund.

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Speaker 2: Like I said in my entry, I never ever had

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Speaker 2: an emergency fund or never even had a savings account

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Speaker 2: over five hundred dollars, So I really really want to

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Speaker 2: have a fully funded emergency fund, and also pay off

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Speaker 2: my remaining car loan. And then my partner and I

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Speaker 2: would like to start traveling, so I'd like to start

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Speaker 2: building a travel fund bucket as well and put money

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Speaker 2: towards that too. And then lastly is to save and

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Speaker 2: fund my side hustle and hopefully hopefully grow that to

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Speaker 2: the point where that can be my full time job

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Speaker 2: in the future.

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Speaker 4: Oh how inciding. I'll ask you a little bit more

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Speaker 4: about that. But I feel like emergency fund, fully funded,

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Speaker 4: perfect goal. I love that. Tell me where are we

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Speaker 4: at with that?

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Speaker 2: To be completely honest, where are our fifty dollars?

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Speaker 4: So you do have an emergency fund?

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Speaker 2: Slay slay, Yeah, yeah, we'll we'll say, yeah, it's not zero.

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Speaker 2: At least it's not zero. Yeah, we're at fifty dollars.

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Speaker 2: But now, because we have quite a bit of traveling

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Speaker 2: to do this year, I had to spend quite a

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Speaker 2: bit on necessities for that.

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Speaker 4: But that's epic because you're not in debt and you

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Speaker 4: have an emergency fund like the structure exists, and for

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Speaker 4: most of us, that's the hardest part to set up.

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Speaker 2: Yeah, yeah, adore that.

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Speaker 4: All right, let's go to a really quick break on

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Speaker 4: the flip side. I want to ask you a bit

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Speaker 4: more about this hide hustle you mentioned and how you're

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Speaker 4: planning to take it to full time. And I also

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Speaker 4: want to know a little bit more of the pervy

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Speaker 4: details around that, car Loan, So don't go anywhere, guys.

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Speaker 4: All right, Money Diarist, we are back and we are

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Speaker 4: having honestly the best chat. I feel like Money Doars

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Speaker 4: are my favorite because I get to make friends with

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Speaker 4: all of the diarists that come on the show, and

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Speaker 4: today is literally no different. But let's start right back in.

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Speaker 4: I want to know what do you do for work

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Speaker 4: and how much money do you earn?

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Speaker 2: So I work in talent acquisitions ooh fancy, Yeah, specifically

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Speaker 2: in the early childhood industry where a higher early childhood

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Speaker 2: professionals and all levels from trainees to teachers, and currently

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Speaker 2: I earn seventy five thousand dollars after tax.

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Speaker 4: Oh, I love this. I love in your money story.

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Speaker 4: You said I got a job earning sixty five thousand

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Speaker 4: dollars a year in twenty twenty three. Is that a

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Speaker 4: ten thousand dollars pay rise in literally twelve months?

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Speaker 1: A girl?

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Speaker 4: What how good is that? Did you negotiate that? Did

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Speaker 4: you just take on a different role? Did they come

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Speaker 4: to you and say, money, diarist, we're just going to

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Speaker 4: pay you more? Like what happened?

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Speaker 2: So really really interesting story. Actually when I I think

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Speaker 2: it was started this year. I decided to leave for

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Speaker 2: personal reasons and it was to fund my side hustles.

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Speaker 2: But something's happened and I ended up finding myself going

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Speaker 2: back to that job. And I pretty much just spoke

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Speaker 2: to my old manager. And because we have a really

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Speaker 2: really good relationship and I left on really great terms,

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Speaker 2: I go back to her and I said, hey, look,

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Speaker 2: I'd love to come back. And I said, you know,

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Speaker 2: if there's any room for some sort of you know, raise,

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Speaker 2: I would be happy to discuss. And I didn't tell

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Speaker 2: her any figures, I didn't tell her how much I wanted.

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Speaker 2: I just said, you know, if there's any room for

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Speaker 2: you to, I guess give me a raise that would

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Speaker 2: be amazing, no matter how much. And she came back

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Speaker 2: to me with a raise and a promotion, which is.

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Speaker 4: I'm sorry what you were like, Hey I quit bye,

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Speaker 4: and then you turned around and said, hey, I want

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Speaker 4: to come back, but I'm more expensive now. And they

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00:18:54,400 --> 00:18:57,119
Speaker 4: were like, yeah, sure, come this way. Yeah, do you

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Speaker 4: want your emotion while we're here. We'll give you a

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Speaker 4: better job, hopefully you'll stay this time.

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Speaker 2: Yeah. So I realized that my side hustles wasn't going

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Speaker 2: to be my goal at this stage.

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Speaker 4: Yeah.

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Speaker 2: Yeah, So I went back to them, and I was

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Speaker 2: really embarrassed at the time, but then you know, in

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Speaker 2: this economy, girl, there's no need to be embarrassed. Just

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Speaker 2: go back to them.

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Speaker 4: There's nothing embarrassing about taking a chance and then going

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Speaker 4: back and being like, hey, it didn't work out the

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Speaker 4: way I thought it would. I really still like to

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Speaker 4: be here. We don't have to burn bridges, Like how

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Speaker 4: is that?

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Speaker 2: Yeah, And they were very very amazing about it. So, yeah,

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Speaker 2: I got from so I was a talent acquisition coordinator

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Speaker 2: and then they promoted me to talent advisor with a

399
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Speaker 2: ten K raise.

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Speaker 4: Oh I love this, this is very very sexy. Tell

401
00:19:46,600 --> 00:19:49,600
Speaker 4: me a bit more. About these side hustles, Like obviously

402
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Speaker 4: it didn't go full time just yet, but at the

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Speaker 4: start of the episode, you said, maybe one day. What

404
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Speaker 4: do you do? How does it work?

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Speaker 2: I make candles. Yeah, so I had actually started it

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Speaker 2: during COVID, but I had to stop because I guess

407
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Speaker 2: I just lost passion for it at the time, and

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Speaker 2: I want to get back into my career, which was

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Speaker 2: an early childhood educator. And now I guess, you know,

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00:20:11,800 --> 00:20:13,879
Speaker 2: the passion is still there and I really would like

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Speaker 2: to do it, but I wanted to do it correctly,

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Speaker 2: and I didn't want to get into any loans or

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Speaker 2: any debts just to fund it, and so I really

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Speaker 2: want to save up for it. And when I'm ready,

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Speaker 2: which we're actually going to be launching soon, but I'm

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Speaker 2: still going to keep my full time job, I will

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Speaker 2: be going into it and just work on my side

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Speaker 2: hustle while focusing on my nine to five at this stage.

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Speaker 4: I love that will send me a link because while

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00:20:39,720 --> 00:20:43,280
Speaker 4: we'll keep it anonymous on here, if you hypothetically see

421
00:20:43,320 --> 00:20:45,840
Speaker 4: a candle business, it may or may not be someone

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Speaker 4: that's been a money diarist. How good, Yeah, money direst

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Speaker 4: I want to know what do you think about investment?

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Speaker 4: Are you investing? Are you not investing? What's the plan?

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Speaker 4: Have you thought about it? How does that work?

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Speaker 2: I love it? I absolutely do. I actually learned about

427
00:21:00,720 --> 00:21:04,640
Speaker 2: investment through you and through listening to different podcasts, and

428
00:21:04,840 --> 00:21:09,119
Speaker 2: so I have a Shareza's account. Unfortunately, last year I

429
00:21:09,160 --> 00:21:11,239
Speaker 2: had to pull out all of my money out of

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Speaker 2: that shares Ease account. But I've just started again this year,

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Speaker 2: so currently I have seventy dollars in shares.

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Speaker 4: Hold On, hold on, hold on, I'm hearing some negative

433
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Speaker 4: mind frame stuff going on here. What do you mean unfortunately?

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Speaker 4: Are you saying I actually had a Sharez's account. There

435
00:21:26,040 --> 00:21:27,440
Speaker 4: was some cash in there and I got to pull

436
00:21:27,480 --> 00:21:29,240
Speaker 4: it out to achieve a goal, or I got to

437
00:21:29,240 --> 00:21:30,760
Speaker 4: pull it out to get me out of debt, and

438
00:21:30,800 --> 00:21:34,600
Speaker 4: now I'm debt free. Like sorry, unfortunate. What was unfortunate

439
00:21:34,640 --> 00:21:35,120
Speaker 4: about this?

440
00:21:35,560 --> 00:21:41,080
Speaker 2: Actually, now that you rephrase that, it's not unfortunate. I

441
00:21:41,119 --> 00:21:43,800
Speaker 2: got to take money out of my account because it

442
00:21:43,880 --> 00:21:46,399
Speaker 2: actually grew quite a bit and I use that to

443
00:21:46,480 --> 00:21:49,800
Speaker 2: pay off some of my debts and now without it.

444
00:21:49,800 --> 00:21:54,000
Speaker 4: It's very sexy. That sounds elite, like that's I think

445
00:21:54,040 --> 00:21:55,720
Speaker 4: what a lot of people want to hear. We don't

446
00:21:55,720 --> 00:21:57,560
Speaker 4: want to be like, oh, unfortunately I had to get

447
00:21:57,640 --> 00:21:58,320
Speaker 4: rid of something.

448
00:21:58,520 --> 00:21:58,600
Speaker 3: No.

449
00:21:58,720 --> 00:22:01,280
Speaker 4: Sorry, you're saying that you may money from investing and

450
00:22:01,320 --> 00:22:03,520
Speaker 4: then that money that you made helped you get out

451
00:22:03,520 --> 00:22:03,880
Speaker 4: of debt.

452
00:22:04,040 --> 00:22:05,479
Speaker 2: Yes, that's what I'm saying.

453
00:22:05,640 --> 00:22:08,800
Speaker 4: Very that's hot. I like hearing that. But you still

454
00:22:08,800 --> 00:22:11,760
Speaker 4: have a Chazya's account. Yes, is there a bigger investing

455
00:22:11,840 --> 00:22:14,199
Speaker 4: plan at play, like what does the future look like?

456
00:22:14,480 --> 00:22:17,440
Speaker 2: Yes, So I wouldn't say that I'm an expert just yet,

457
00:22:17,520 --> 00:22:20,200
Speaker 2: but I'm definitely learning and learning and learning. I think

458
00:22:20,200 --> 00:22:23,280
Speaker 2: it's a constant learning experience when it comes to investing.

459
00:22:23,440 --> 00:22:27,679
Speaker 2: But I do listen to a lot of podcasts, you know,

460
00:22:27,840 --> 00:22:32,040
Speaker 2: I read about different ETFs, and at this stage, I

461
00:22:32,119 --> 00:22:35,119
Speaker 2: want to hopefully put two hundred and fifty dollars a

462
00:22:35,160 --> 00:22:38,600
Speaker 2: month into my Chazy's account and spread that out to

463
00:22:39,200 --> 00:22:41,760
Speaker 2: Currently I have S and P five hundred, so I

464
00:22:41,800 --> 00:22:44,119
Speaker 2: want to put more money into that and then the rest.

465
00:22:44,240 --> 00:22:50,280
Speaker 2: I'm sort of leaning more towards like clean energy ETFs

466
00:22:50,400 --> 00:22:53,720
Speaker 2: or anything I guess natural and eco friendly. So I

467
00:22:53,920 --> 00:22:54,199
Speaker 2: like that.

468
00:22:54,880 --> 00:22:57,320
Speaker 4: How good she knows what she wants and she's going

469
00:22:57,400 --> 00:23:00,840
Speaker 4: to chase it. Absolutely when you download the Cheza's app,

470
00:23:00,840 --> 00:23:03,080
Speaker 4: I get lots of people messaging me going the oh

471
00:23:03,160 --> 00:23:07,359
Speaker 4: my gosh, I downloaded Chazy's. Now what And obviously I

472
00:23:07,359 --> 00:23:10,200
Speaker 4: can't give you advice onto what to purchase, But when

473
00:23:10,240 --> 00:23:12,399
Speaker 4: you downloaded the app, did you know what you were

474
00:23:12,400 --> 00:23:15,159
Speaker 4: going to purchase? Or did you download the app and

475
00:23:15,160 --> 00:23:18,120
Speaker 4: then have to do some research after? Like how did

476
00:23:18,160 --> 00:23:21,439
Speaker 4: you come to purchase the SMP five hundred. I know

477
00:23:21,520 --> 00:23:23,640
Speaker 4: it's a really popular one in our community for those

478
00:23:23,640 --> 00:23:25,680
Speaker 4: of you playing along at home. It's basically the top

479
00:23:25,720 --> 00:23:29,960
Speaker 4: five hundred companies in an ETF, so it's well diversified.

480
00:23:30,000 --> 00:23:32,120
Speaker 4: You don't have to you know, five five hundred different

481
00:23:32,160 --> 00:23:35,800
Speaker 4: shares to get access to five hundred different companies, which, okay,

482
00:23:35,960 --> 00:23:39,040
Speaker 4: that's really easy and really sexy, but like, how did

483
00:23:39,040 --> 00:23:40,479
Speaker 4: you choose that? Why did you choose that?

484
00:23:40,560 --> 00:23:43,560
Speaker 2: To be honest, it was from just watching videos, from

485
00:23:43,600 --> 00:23:48,280
Speaker 2: watching tiktoks and also just I guess getting to know.

486
00:23:48,359 --> 00:23:51,119
Speaker 2: The return over over the years in s and P

487
00:23:51,240 --> 00:23:54,359
Speaker 2: five hundred has always been I would say positive, So

488
00:23:55,280 --> 00:23:57,800
Speaker 2: it's not like I'm gonna obviously, like you know, put

489
00:23:57,840 --> 00:23:59,440
Speaker 2: money in it in one year and then pull it

490
00:23:59,480 --> 00:24:01,600
Speaker 2: out of the neck. I think now that I'm completely

491
00:24:01,640 --> 00:24:04,800
Speaker 2: debt free, I can be more you know, committed to it.

492
00:24:04,920 --> 00:24:08,159
Speaker 2: And I guess, you know, more long term for me

493
00:24:08,560 --> 00:24:10,399
Speaker 2: would be S and P five hundred. So yeah, I

494
00:24:10,400 --> 00:24:13,960
Speaker 2: think I learned from YouTube, learn from TikTok, and I thought, yeah,

495
00:24:14,040 --> 00:24:14,600
Speaker 2: might as well.

496
00:24:14,720 --> 00:24:17,400
Speaker 4: I love this? Can I be real pervy? And it's

497
00:24:17,440 --> 00:24:20,439
Speaker 4: just because like I love following money content creators? Are

498
00:24:20,480 --> 00:24:22,800
Speaker 4: you following on TikTok that we should be following that

499
00:24:22,840 --> 00:24:23,720
Speaker 4: gives a bus on this?

500
00:24:24,560 --> 00:24:27,800
Speaker 2: Like you? I listen to girls that invest.

501
00:24:28,440 --> 00:24:30,800
Speaker 4: I love her, Yeah, sim Is there is amazing.

502
00:24:30,960 --> 00:24:31,920
Speaker 2: Yeah, she's amazing.

503
00:24:32,040 --> 00:24:32,639
Speaker 4: We love seeing.

504
00:24:32,640 --> 00:24:36,520
Speaker 2: I also listen to Tash invests. Oh yeah, yeah, yeah great,

505
00:24:36,520 --> 00:24:39,320
Speaker 2: and also she's on the money okay slay.

506
00:24:39,400 --> 00:24:42,720
Speaker 4: But like, we don't post nearly enough content talking about this,

507
00:24:43,040 --> 00:24:45,280
Speaker 4: and I need to get back on TikTok, but I

508
00:24:45,359 --> 00:24:48,800
Speaker 4: kind of feel old there because I just can't keep

509
00:24:48,920 --> 00:24:52,080
Speaker 4: up with the trends. I really can't. But then also

510
00:24:52,320 --> 00:24:54,760
Speaker 4: I'm always like, has it been too long? Like should

511
00:24:54,800 --> 00:24:56,520
Speaker 4: I just quit and run away? Like you know, when

512
00:24:56,560 --> 00:24:58,439
Speaker 4: you just can't get back in the groove of something,

513
00:24:58,480 --> 00:25:00,400
Speaker 4: like I just I pick up my phone and I'm

514
00:25:00,400 --> 00:25:03,560
Speaker 4: like not today, Satan, not today.

515
00:25:04,000 --> 00:25:04,880
Speaker 2: Yeah, can I've been.

516
00:25:04,840 --> 00:25:07,119
Speaker 4: Doing that for more than a year. That's so loudy

517
00:25:07,160 --> 00:25:07,399
Speaker 4: of me.

518
00:25:08,359 --> 00:25:11,400
Speaker 2: Completely understand that. But yeah, no, I actually I listen

519
00:25:11,600 --> 00:25:14,040
Speaker 2: a lot to obviously that she's on the Money podcast,

520
00:25:14,119 --> 00:25:17,000
Speaker 2: especially when it comes to learning about investing. One oh

521
00:25:17,040 --> 00:25:19,840
Speaker 2: one never hurts to refresh my knowledge about that.

522
00:25:20,359 --> 00:25:22,679
Speaker 4: I love it all right. I want to know a

523
00:25:22,720 --> 00:25:25,560
Speaker 4: little bit more about debt. Before you said I am

524
00:25:25,720 --> 00:25:28,600
Speaker 4: consumer debt free. I have no buy now, pay later

525
00:25:28,640 --> 00:25:31,640
Speaker 4: accounts anymore, shut all of those. But you did mention

526
00:25:31,720 --> 00:25:34,240
Speaker 4: you have a car loan, so is that your only debt?

527
00:25:34,440 --> 00:25:36,080
Speaker 4: And can you tell me a bit more about that?

528
00:25:36,119 --> 00:25:37,919
Speaker 4: I want to know the perfect details, like do we

529
00:25:37,960 --> 00:25:40,120
Speaker 4: have a huge car, how much is there? Like what

530
00:25:40,200 --> 00:25:40,919
Speaker 4: color is she?

531
00:25:41,400 --> 00:25:43,919
Speaker 2: I'm glad you asked that because I actually have a

532
00:25:43,960 --> 00:25:46,280
Speaker 2: really Some people find it funny when I tell them

533
00:25:46,280 --> 00:25:49,639
Speaker 2: about my car story, but I think it's a manifestation queen.

534
00:25:49,680 --> 00:25:50,400
Speaker 4: Oh, I love these.

535
00:25:51,520 --> 00:25:56,399
Speaker 2: My dream car before was a Range Rover, so I

536
00:25:56,480 --> 00:26:02,080
Speaker 2: wanted Arrange Rover with red interior and interior. That is

537
00:26:02,200 --> 00:26:06,240
Speaker 2: so niche Yeah, so, I for some reason, I just

538
00:26:06,400 --> 00:26:08,719
Speaker 2: like the white exterior and then red interior. Get it.

539
00:26:08,760 --> 00:26:11,040
Speaker 4: I get it. She's a queen who knows what she likes.

540
00:26:11,760 --> 00:26:16,120
Speaker 2: But I obviously didn't have range Rover money. So I

541
00:26:16,160 --> 00:26:19,240
Speaker 2: got the next best thing, which was a Toyota Corolla.

542
00:26:19,320 --> 00:26:21,560
Speaker 4: And so similar. I get it, I get it.

543
00:26:22,119 --> 00:26:24,640
Speaker 2: I love it. It's very reliable. I love her. She's

544
00:26:24,680 --> 00:26:27,840
Speaker 2: really cute. But I went to the dealer. It was

545
00:26:27,920 --> 00:26:30,000
Speaker 2: during COVID and I went to the dealer and I said,

546
00:26:30,280 --> 00:26:32,159
Speaker 2: I don't know how we're going to make this happen,

547
00:26:32,200 --> 00:26:35,040
Speaker 2: but I want a white exterior in a red interior.

548
00:26:35,640 --> 00:26:37,520
Speaker 4: So, oh my gosh, they would have been like in

549
00:26:37,560 --> 00:26:40,080
Speaker 4: a Corolla bang.

550
00:26:40,280 --> 00:26:42,959
Speaker 2: And so I got the top of the range Corollas

551
00:26:43,000 --> 00:26:45,000
Speaker 2: that are I think it was twenty twenty one, and

552
00:26:45,080 --> 00:26:48,680
Speaker 2: it was red and black interior, which is you know, close.

553
00:26:48,480 --> 00:26:52,399
Speaker 4: Off, close good and also like, I feel like a

554
00:26:52,480 --> 00:26:55,080
Speaker 4: red interior is so niche that they wouldn't be many

555
00:26:55,119 --> 00:26:57,159
Speaker 4: of those at all. Is she white?

556
00:26:57,480 --> 00:26:59,480
Speaker 2: Yes, yes, she's got the.

557
00:26:59,440 --> 00:27:03,720
Speaker 4: White car with the red interior. Yeah, like Manifestation Bran,

558
00:27:04,320 --> 00:27:07,000
Speaker 4: but miss Jessicci would be very proud of you.

559
00:27:07,640 --> 00:27:10,879
Speaker 2: Thank you. Yeah. So I'm not the same brand, but

560
00:27:11,119 --> 00:27:13,520
Speaker 2: in my head, the more I drive this car, the

561
00:27:13,520 --> 00:27:15,760
Speaker 2: more I think I'm driving a range Rover, so you know,

562
00:27:15,880 --> 00:27:18,000
Speaker 2: maybe it's going to come soon. I know that this

563
00:27:18,040 --> 00:27:20,600
Speaker 2: is going to sound incredibly entitled, but I used to

564
00:27:20,720 --> 00:27:23,919
Speaker 2: drive a range Rover, and I can tell you that

565
00:27:24,160 --> 00:27:27,520
Speaker 2: they are not the best cars to drive, very iconic like,

566
00:27:27,760 --> 00:27:30,720
Speaker 2: and I felt like when I bought this car, oh

567
00:27:30,760 --> 00:27:34,439
Speaker 2: my gosh, all of my tumbler dreams came true. Like

568
00:27:34,720 --> 00:27:37,119
Speaker 2: ever since I was like sixteen, I used to save

569
00:27:37,280 --> 00:27:40,280
Speaker 2: and pin all the images of the hot girl with

570
00:27:40,400 --> 00:27:43,200
Speaker 2: the range Rover and all I wanted, like I wanted

571
00:27:43,240 --> 00:27:45,760
Speaker 2: the range Rover evoke black on black. And when I

572
00:27:45,880 --> 00:27:49,159
Speaker 2: finally had what I called big girl money and was

573
00:27:49,200 --> 00:27:52,280
Speaker 2: relatively irresponsible, I went and got one. She brought me

574
00:27:52,680 --> 00:27:56,199
Speaker 2: nothing but problems. We do not have her anymore. But

575
00:27:56,440 --> 00:27:59,120
Speaker 2: I feel like you dodged a bullet, babe, Like.

576
00:27:59,520 --> 00:28:02,240
Speaker 4: I don't think I've met anyone who's owned arrange Rover

577
00:28:02,359 --> 00:28:04,840
Speaker 4: and been like, yeah, very great car, doesn't cost me

578
00:28:04,920 --> 00:28:08,000
Speaker 4: anything to service, Like no one says that. So I

579
00:28:08,080 --> 00:28:11,080
Speaker 4: got it. I realized the errors of my way, and

580
00:28:11,119 --> 00:28:12,159
Speaker 4: then we've moved on.

581
00:28:12,480 --> 00:28:15,520
Speaker 2: Yeah, and now now that I've got my Corolla, my

582
00:28:15,520 --> 00:28:17,560
Speaker 2: my little Corolla, I love her, don't want to let

583
00:28:17,560 --> 00:28:22,000
Speaker 2: it go. So, you know, I think I struggod.

584
00:28:21,880 --> 00:28:25,520
Speaker 4: Car exactly, someone that's going to be there, be consistent.

585
00:28:25,680 --> 00:28:28,240
Speaker 4: Tell me more about how much she costs. What's your

586
00:28:28,280 --> 00:28:29,960
Speaker 4: car loan at? How did that work?

587
00:28:30,040 --> 00:28:33,119
Speaker 2: So my carlone is sitting at seventeen thousand dollars at

588
00:28:33,160 --> 00:28:35,960
Speaker 2: the moment with an interest rate of two point seventy

589
00:28:36,000 --> 00:28:38,080
Speaker 2: one percent, So I locked that in during COVID.

590
00:28:38,400 --> 00:28:41,760
Speaker 4: Sorry, what for a car loan? Yes to you, yep,

591
00:28:41,920 --> 00:28:44,760
Speaker 4: that's very attractive, especially in this economy.

592
00:28:45,280 --> 00:28:48,240
Speaker 2: Absolutely, I'm so grateful. Oh my gosh.

593
00:28:48,320 --> 00:28:50,120
Speaker 4: I mean, if you're going to get a car loan,

594
00:28:50,320 --> 00:28:51,440
Speaker 4: that's the one I would want.

595
00:28:51,600 --> 00:28:54,880
Speaker 2: Absolutely, absolutely. And it's funny because I didn't know anything

596
00:28:54,880 --> 00:28:56,080
Speaker 2: about interest rates before.

597
00:28:56,240 --> 00:28:58,160
Speaker 4: To me, it was so you didn't even know how

598
00:28:58,200 --> 00:28:58,920
Speaker 4: good you had it.

599
00:28:59,080 --> 00:29:02,880
Speaker 2: No, No, I didn't until my partner said, you know,

600
00:29:02,960 --> 00:29:04,880
Speaker 2: told me about his interest rate, and I thought, oh

601
00:29:04,880 --> 00:29:09,840
Speaker 2: my god, why would you do that? Exactly criminal? But yeah, no.

602
00:29:10,600 --> 00:29:14,520
Speaker 2: I asked my financial dealer and I asked, you know,

603
00:29:14,600 --> 00:29:16,360
Speaker 2: how much is my interest rate on this car, which

604
00:29:16,400 --> 00:29:17,960
Speaker 2: is to no p sos I called three point seventy

605
00:29:17,960 --> 00:29:21,480
Speaker 2: one percent. I'm like, oh cool, okay, cool, cool, cool.

606
00:29:21,760 --> 00:29:22,560
Speaker 2: We are good.

607
00:29:23,120 --> 00:29:25,520
Speaker 4: Ye, we're not going to be changing that. And how

608
00:29:25,600 --> 00:29:27,440
Speaker 4: much did you lend to begin with?

609
00:29:27,720 --> 00:29:30,440
Speaker 2: Yeah? I think it's around the thirty Yeah, thirty five.

610
00:29:30,760 --> 00:29:33,320
Speaker 4: How good's that? You've really been knocking it on the head.

611
00:29:33,640 --> 00:29:36,280
Speaker 2: Yeah. It was during COVID, so it was the best

612
00:29:36,280 --> 00:29:36,800
Speaker 2: time to.

613
00:29:36,720 --> 00:29:38,480
Speaker 4: Negotiate, Yeah, totally.

614
00:29:38,760 --> 00:29:42,080
Speaker 2: Yeah, before I even learned how to negotiate properly. I

615
00:29:42,120 --> 00:29:46,000
Speaker 2: think I got that car from forty down to thirty five.

616
00:29:46,680 --> 00:29:48,120
Speaker 4: Oh, very nice.

617
00:29:48,400 --> 00:29:51,040
Speaker 2: I didn't put down any yeah down payment.

618
00:29:51,640 --> 00:29:54,440
Speaker 4: How good is that? I love that for us? Yeah,

619
00:29:54,520 --> 00:29:57,200
Speaker 4: So what's the plan to getting rid of this rest

620
00:29:57,240 --> 00:29:59,440
Speaker 4: of the seventeen thousand dollars owing in your car?

621
00:29:59,760 --> 00:30:03,400
Speaker 2: So, so next year we're planning to move back into

622
00:30:03,640 --> 00:30:09,400
Speaker 2: my partner's parents' house, and that'll actually drastically put all

623
00:30:09,640 --> 00:30:13,840
Speaker 2: like our responsibilities down to just paying rent or board. Yeah.

624
00:30:13,880 --> 00:30:17,520
Speaker 2: I'm hoping to aggressively pay for that seventeen thousand next

625
00:30:17,600 --> 00:30:21,200
Speaker 2: year and hopefully not have that on my record anymore

626
00:30:21,200 --> 00:30:22,760
Speaker 2: by the time I turn twenty six and have a

627
00:30:22,760 --> 00:30:23,680
Speaker 2: fully paid off car.

628
00:30:23,800 --> 00:30:25,360
Speaker 4: Oh my gosh, I love that. So tell me a

629
00:30:25,400 --> 00:30:29,240
Speaker 4: bit more about this move, because moving into your partner's parents' house,

630
00:30:29,520 --> 00:30:32,720
Speaker 4: big move if you've moved out by yourselves, but also

631
00:30:32,920 --> 00:30:36,000
Speaker 4: an airpic financial decision because you can kind of like

632
00:30:36,400 --> 00:30:39,200
Speaker 4: cut down all your costs save a whole heap. Like

633
00:30:39,680 --> 00:30:41,760
Speaker 4: it is a massive privilege to be able to do that.

634
00:30:41,840 --> 00:30:43,720
Speaker 4: But do you have like a game planning You're like,

635
00:30:43,760 --> 00:30:45,560
Speaker 4: all right, on this day, we're moving in, and then

636
00:30:45,800 --> 00:30:49,120
Speaker 4: we're gonna budget and say, like what's the ultimate outcome

637
00:30:49,400 --> 00:30:52,440
Speaker 4: and the decision around or I guess the reason why

638
00:30:52,480 --> 00:30:55,600
Speaker 4: you're moving back in with them? Obviously money, I would assume.

639
00:30:55,400 --> 00:30:58,360
Speaker 2: Yeah, absolutely, because, like I said, my partner and I

640
00:30:58,400 --> 00:31:02,440
Speaker 2: are planning to travel. I would love to travel the

641
00:31:02,480 --> 00:31:06,280
Speaker 2: world and have a obviously a fully funded emergency fund

642
00:31:06,400 --> 00:31:09,440
Speaker 2: and all kinds of savings. So we've decided to move

643
00:31:09,480 --> 00:31:12,880
Speaker 2: back in with his parents, and they were very very

644
00:31:12,920 --> 00:31:16,480
Speaker 2: kind enough to obviously offer that as well, and very

645
00:31:16,480 --> 00:31:19,440
Speaker 2: fortunate that I get along with both his mum and

646
00:31:19,480 --> 00:31:22,920
Speaker 2: his dad, so very very grateful for that. And we

647
00:31:23,000 --> 00:31:25,120
Speaker 2: wanted to move back in with them because we wanted

648
00:31:25,160 --> 00:31:29,320
Speaker 2: to save up so that we're able to travel without

649
00:31:29,400 --> 00:31:31,880
Speaker 2: having to worry about the financial side of things one

650
00:31:31,960 --> 00:31:32,560
Speaker 2: hundred percent.

651
00:31:32,600 --> 00:31:35,640
Speaker 4: And like, if you're going to be away, how good

652
00:31:35,880 --> 00:31:38,080
Speaker 4: I mean, I think that's the ultimate dream, right Like

653
00:31:38,120 --> 00:31:40,560
Speaker 4: I think anyone who's listening that's moved back in with

654
00:31:40,640 --> 00:31:43,120
Speaker 4: their parents, that'd be like, look, it's really good, but

655
00:31:43,200 --> 00:31:45,400
Speaker 4: sometimes you need a bit of a break. I feel

656
00:31:45,440 --> 00:31:48,120
Speaker 4: like that's true for housemates as well, Like, let's be honest,

657
00:31:48,280 --> 00:31:50,520
Speaker 4: anyone living in the same space, you just need a

658
00:31:50,520 --> 00:31:53,120
Speaker 4: bit of a break from them sometimes. Yeah, of course,

659
00:31:53,240 --> 00:31:55,840
Speaker 4: So how good to move back in and then be

660
00:31:55,880 --> 00:31:58,560
Speaker 4: able to do the travel along the way like you've

661
00:31:58,560 --> 00:32:00,360
Speaker 4: cracked the code, babe it.

662
00:32:01,120 --> 00:32:04,040
Speaker 2: Yeah. I love them very Yeah, and we're very fortunate

663
00:32:04,040 --> 00:32:07,080
Speaker 2: to have two sets of very supportive parents. My parents

664
00:32:07,080 --> 00:32:10,000
Speaker 2: are very supportive, so we're his, so we're we're in

665
00:32:10,040 --> 00:32:13,600
Speaker 2: a really, really lucky situation as well. So yeah, really

666
00:32:13,600 --> 00:32:14,320
Speaker 2: good love.

667
00:32:14,680 --> 00:32:17,000
Speaker 4: I know that you've changed your money story over the

668
00:32:17,040 --> 00:32:19,400
Speaker 4: last few years, gotten out of debt, but what do

669
00:32:19,400 --> 00:32:21,120
Speaker 4: you reckon your best money habit is?

670
00:32:21,400 --> 00:32:23,280
Speaker 2: I would say that my best money habit is I've

671
00:32:23,320 --> 00:32:28,120
Speaker 2: mastered the art of delayed gratification. Unless I absolutely need something, can.

672
00:32:28,040 --> 00:32:30,280
Speaker 4: You please teach me because I have not? Did you

673
00:32:30,320 --> 00:32:32,360
Speaker 4: just see me? For those of you playing along, I

674
00:32:32,400 --> 00:32:34,280
Speaker 4: had to have a brief intermission because someone offered me

675
00:32:34,320 --> 00:32:34,880
Speaker 4: a donut.

676
00:32:36,280 --> 00:32:37,600
Speaker 2: That's different because that's free.

677
00:32:37,680 --> 00:32:39,040
Speaker 4: So yeah, it's true.

678
00:32:39,080 --> 00:32:39,480
Speaker 2: It's true.

679
00:32:39,480 --> 00:32:41,240
Speaker 4: It was money. We I'm not money.

680
00:32:41,280 --> 00:32:43,160
Speaker 2: We there you go.

681
00:32:43,480 --> 00:32:45,680
Speaker 4: Thank you for reframing that for me. But tell me

682
00:32:45,880 --> 00:32:49,640
Speaker 4: more about how to work into this delayed gratification.

683
00:32:50,000 --> 00:32:53,080
Speaker 2: I actually learned that from my partner. Unless I absolutely

684
00:32:53,120 --> 00:32:56,480
Speaker 2: need something, then I give, you know, myself a few days,

685
00:32:56,560 --> 00:32:59,200
Speaker 2: if not a week to really think about if I

686
00:32:59,200 --> 00:33:01,640
Speaker 2: want something or not, and more often than not, I

687
00:33:01,680 --> 00:33:05,160
Speaker 2: actually forget about it. So I like to think that,

688
00:33:05,240 --> 00:33:07,400
Speaker 2: you know, I'm saving myself so much money from not

689
00:33:07,480 --> 00:33:12,480
Speaker 2: going crazy berserk on shopping spree if I don't really

690
00:33:12,480 --> 00:33:12,880
Speaker 2: need it.

691
00:33:12,960 --> 00:33:15,760
Speaker 4: I love that, But what was the first step in

692
00:33:16,120 --> 00:33:20,800
Speaker 4: I guess actually practicing delayed gratification because I think that

693
00:33:20,880 --> 00:33:22,400
Speaker 4: so many of us would be like, oh my gosh,

694
00:33:22,480 --> 00:33:25,400
Speaker 4: this money dirist is so right. I need to, you know,

695
00:33:25,760 --> 00:33:28,760
Speaker 4: think about what I'm spending. I'm going to put twenty

696
00:33:28,760 --> 00:33:30,920
Speaker 4: four hours between me and my spending. I'm going to

697
00:33:31,000 --> 00:33:33,680
Speaker 4: listen to V like V is very do as I say,

698
00:33:33,680 --> 00:33:36,880
Speaker 4: not as I do, just for the record, But I

699
00:33:36,920 --> 00:33:39,760
Speaker 4: think we need to know what was the first time

700
00:33:39,760 --> 00:33:42,160
Speaker 4: that that was really pressed? Because I feel like, we

701
00:33:42,200 --> 00:33:44,640
Speaker 4: can make all the biggest plans in the entire world,

702
00:33:44,680 --> 00:33:47,040
Speaker 4: and I think we all do, but then you have

703
00:33:47,120 --> 00:33:50,800
Speaker 4: to actually implement them. I think for me, I guess

704
00:33:50,840 --> 00:33:53,440
Speaker 4: when I realized that I didn't really need a lot

705
00:33:53,480 --> 00:33:57,600
Speaker 4: of things was when I was decluttering my bedroom and

706
00:33:58,400 --> 00:34:02,920
Speaker 4: my bathroom. I had so many unopened skin care products.

707
00:34:02,960 --> 00:34:05,960
Speaker 4: I had so many clothes that still had tags on them,

708
00:34:06,120 --> 00:34:07,360
Speaker 4: and I thought, I.

709
00:34:07,360 --> 00:34:10,600
Speaker 2: Actually don't need any of these. Why did I even

710
00:34:10,640 --> 00:34:13,719
Speaker 2: buy them? And so I think that made me realize that, like,

711
00:34:14,320 --> 00:34:18,319
Speaker 2: I better start practicing delayed gratification, otherwise I'm going to

712
00:34:18,320 --> 00:34:22,600
Speaker 2: be stuck with all these you know products close everything

713
00:34:22,960 --> 00:34:25,160
Speaker 2: that I actually never needed in the first place.

714
00:34:25,200 --> 00:34:27,400
Speaker 4: And it could have had some tash in my bank.

715
00:34:27,239 --> 00:34:29,319
Speaker 2: Exactly, could have had cash in my bank. And now

716
00:34:29,360 --> 00:34:31,600
Speaker 2: I can't even sell them because they're had a trend.

717
00:34:31,800 --> 00:34:34,600
Speaker 2: But I'm still keeping them, never know, because trends always

718
00:34:34,600 --> 00:34:35,240
Speaker 2: come back around.

719
00:34:35,920 --> 00:34:38,480
Speaker 4: That's true. That's true. Give it ten years, but give

720
00:34:38,480 --> 00:34:40,360
Speaker 4: it any investment, give it ten.

721
00:34:40,280 --> 00:34:41,440
Speaker 2: Years their assets.

722
00:34:41,480 --> 00:34:44,520
Speaker 4: I love this for us. I love that what do

723
00:34:44,560 --> 00:34:47,200
Speaker 4: you think is your worst money? Haveit easily.

724
00:34:47,280 --> 00:34:50,400
Speaker 2: My budgeting, I would budget for something and then still

725
00:34:50,440 --> 00:34:54,040
Speaker 2: go over budget. It's definitely a learning experience, but I

726
00:34:54,080 --> 00:34:57,840
Speaker 2: think it's just having to allocate money or enough money

727
00:34:58,000 --> 00:35:01,399
Speaker 2: into a bucket. You know, I guess mastering how much

728
00:35:01,480 --> 00:35:04,320
Speaker 2: money are put in that bucket and not going over budget.

729
00:35:04,480 --> 00:35:06,960
Speaker 4: What does that look like? So have you sat down

730
00:35:07,000 --> 00:35:09,440
Speaker 4: and gone all right, I'm going to create a spreadsheet

731
00:35:09,480 --> 00:35:12,040
Speaker 4: and I'm going to outline these buckets that you're talking about.

732
00:35:12,120 --> 00:35:14,240
Speaker 4: And I think that I need, you know, one hundred

733
00:35:14,280 --> 00:35:16,480
Speaker 4: dollars in that bucket each month. But then you blow it,

734
00:35:16,560 --> 00:35:20,000
Speaker 4: Like how are you allocating your budget such that it's

735
00:35:20,200 --> 00:35:22,160
Speaker 4: either working or not working at the moment.

736
00:35:22,320 --> 00:35:28,319
Speaker 2: I think for me it's I still sort of am

737
00:35:28,400 --> 00:35:31,720
Speaker 2: still very very strict with my money to the point

738
00:35:31,760 --> 00:35:37,280
Speaker 2: where it can be unhealthy. Like for example, I would

739
00:35:38,160 --> 00:35:42,080
Speaker 2: give myself fifty dollars for shopping, and then I'd go

740
00:35:42,160 --> 00:35:45,960
Speaker 2: to Target and I'd find I think fifty dollars anyway, Yeah,

741
00:35:46,040 --> 00:35:51,120
Speaker 2: nothing's fifty dollars, Like one T shirt is fifty.

742
00:35:50,719 --> 00:35:53,000
Speaker 4: Dollars, So it's insane, right.

743
00:35:53,200 --> 00:35:55,160
Speaker 2: Yeah. We used to go to km up before, and

744
00:35:55,200 --> 00:35:57,920
Speaker 2: you know, that's where we would go shopping, and fifty

745
00:35:57,960 --> 00:36:00,920
Speaker 2: dollars was sometimes enough. But now it's you know, you

746
00:36:01,080 --> 00:36:05,840
Speaker 2: only got one shirt and go home. So yeah, I would,

747
00:36:06,000 --> 00:36:08,480
Speaker 2: you know, be super restrictive. I think for me is

748
00:36:08,520 --> 00:36:11,160
Speaker 2: the word when it comes to my budgeting, like because

749
00:36:11,239 --> 00:36:12,799
Speaker 2: my partner and I like to go out, you know,

750
00:36:12,840 --> 00:36:15,919
Speaker 2: to eat at different restaurants or like just just eat

751
00:36:16,000 --> 00:36:18,560
Speaker 2: really and then I'd give myself sixty dollars to eat,

752
00:36:18,600 --> 00:36:21,160
Speaker 2: but really would end up spending like one hundred dollars.

753
00:36:21,280 --> 00:36:23,920
Speaker 4: I mean, brunch these days is a minimum of seventy dollars.

754
00:36:24,000 --> 00:36:27,640
Speaker 4: In my head, like it's become insane, like, yeah, something's

755
00:36:27,680 --> 00:36:31,560
Speaker 4: got to give. I just I cannot conceptualize how this happens,

756
00:36:31,600 --> 00:36:34,360
Speaker 4: like and if you've got sixty bucks for dinner, Like,

757
00:36:34,560 --> 00:36:37,520
Speaker 4: let's break this down. Most main courses nowadays. And this

758
00:36:37,680 --> 00:36:41,240
Speaker 4: is probably very entitled from my perspective and a reflection

759
00:36:41,360 --> 00:36:43,239
Speaker 4: of the places that I go. So it doesn't mean

760
00:36:43,239 --> 00:36:45,759
Speaker 4: it's true to everybody. It's just my experience, right, but

761
00:36:46,320 --> 00:36:50,080
Speaker 4: main's are like thirty dollars. Like you walk in and

762
00:36:50,320 --> 00:36:53,560
Speaker 4: that's a main meal each that's no drinks, that's no entree.

763
00:36:53,680 --> 00:36:55,680
Speaker 4: And like my husband and I I would say we're

764
00:36:55,680 --> 00:36:57,160
Speaker 4: pretty good at eating out. I don't know about you

765
00:36:57,239 --> 00:36:59,839
Speaker 4: and your partner but like if we want to eat out,

766
00:37:00,080 --> 00:37:02,440
Speaker 4: we like to make the most of the time. So

767
00:37:02,719 --> 00:37:06,400
Speaker 4: often we'll share an entree, have a maine each, and

768
00:37:06,440 --> 00:37:08,400
Speaker 4: then share a dessert. So then it was kind of

769
00:37:08,440 --> 00:37:11,520
Speaker 4: like two courses. We didn't have three courses each, which

770
00:37:11,680 --> 00:37:14,279
Speaker 4: to be honest, I usually can't get through. But then

771
00:37:14,320 --> 00:37:16,640
Speaker 4: we also want to have a wine, and maybe that's

772
00:37:16,680 --> 00:37:18,880
Speaker 4: like two wines because I don't want to you know,

773
00:37:19,040 --> 00:37:20,719
Speaker 4: just go out for dinner, have a drink, and then

774
00:37:20,800 --> 00:37:23,000
Speaker 4: like go straight home. Like this, Now that I'm a

775
00:37:23,040 --> 00:37:25,480
Speaker 4: mum as well, I'm like make the most of his time.

776
00:37:26,080 --> 00:37:29,080
Speaker 4: It's maybe like two drinks each. That's easy one hundred

777
00:37:29,120 --> 00:37:31,400
Speaker 4: dollars plus. Like it's wild, isn't it.

778
00:37:31,520 --> 00:37:36,200
Speaker 2: Yeah? Yeah, absolutely, even like the drinks alone, like cocktails,

779
00:37:36,239 --> 00:37:39,160
Speaker 2: they would cost like twenty four dollars, twenty dollars and

780
00:37:39,200 --> 00:37:44,759
Speaker 2: that insane. Yeah, it's insane. And because I'm a cocktail girlie,

781
00:37:45,200 --> 00:37:48,200
Speaker 2: I would have you know, peanut Colada with my dinner,

782
00:37:48,560 --> 00:37:54,400
Speaker 2: and so that already is over sixty dollars for myself alone, exactly.

783
00:37:54,960 --> 00:37:58,880
Speaker 2: So it's yeah, I still have trouble budgeting, especially with

784
00:37:59,000 --> 00:38:03,600
Speaker 2: you know, with shopping and dinner, dining out and all

785
00:38:03,600 --> 00:38:04,399
Speaker 2: that stuff, all.

786
00:38:04,320 --> 00:38:07,360
Speaker 4: Right, I can fix that for you in literally ten minutes.

787
00:38:07,400 --> 00:38:09,239
Speaker 4: I mean it'll take you more than ten minutes. But

788
00:38:09,239 --> 00:38:12,760
Speaker 4: I'm going to gift you our money Masterclass because that's

789
00:38:12,800 --> 00:38:15,200
Speaker 4: going to like nail all of that. Like I'm listening

790
00:38:15,200 --> 00:38:18,000
Speaker 4: to like your issue, and obviously I could be like, hey,

791
00:38:18,000 --> 00:38:19,680
Speaker 4: I can gift you it for the budget, but we

792
00:38:19,840 --> 00:38:23,040
Speaker 4: have a video series inside of that that'll help you

793
00:38:23,080 --> 00:38:25,920
Speaker 4: reflect on what you're spending and how to actually budget

794
00:38:26,280 --> 00:38:29,520
Speaker 4: because it's so different for everybody. Like you and your

795
00:38:29,560 --> 00:38:32,440
Speaker 4: partner might like a specific restaurant so you're able to

796
00:38:32,520 --> 00:38:36,440
Speaker 4: really go, well, actually, I like this restaurant. We want

797
00:38:36,440 --> 00:38:39,120
Speaker 4: to go every single month, and we know it costs

798
00:38:39,239 --> 00:38:41,440
Speaker 4: this because we're creatures of habit and I'm never not

799
00:38:41,480 --> 00:38:43,719
Speaker 4: going to order a peanut colada and the palma, like

800
00:38:43,760 --> 00:38:45,760
Speaker 4: it's just going to happen every time. I know exactly

801
00:38:45,760 --> 00:38:48,080
Speaker 4: what this means. And it can also help you be

802
00:38:48,160 --> 00:38:51,280
Speaker 4: a bit flexible while still looking at the bigger picture,

803
00:38:51,280 --> 00:38:53,920
Speaker 4: because like every year you on your Corolla are going

804
00:38:53,920 --> 00:38:56,560
Speaker 4: to pay regio, you're gonna have to pay insurance, Like

805
00:38:56,600 --> 00:38:59,719
Speaker 4: we need to zoom out and capture those costs. In addition,

806
00:39:00,239 --> 00:39:02,359
Speaker 4: because I feel like, I don't know about you, but

807
00:39:02,840 --> 00:39:06,319
Speaker 4: even though I've budgeted for it, my red jot and

808
00:39:06,400 --> 00:39:09,560
Speaker 4: insurance still surprises me, Like it pops up and I'm like,

809
00:39:09,600 --> 00:39:11,799
Speaker 4: oh what, Like why is that here? Again? Like I

810
00:39:11,800 --> 00:39:14,000
Speaker 4: feel like it happens every month, even though I pay

811
00:39:14,239 --> 00:39:17,480
Speaker 4: on an annual basis, it just rolls around like time flies.

812
00:39:17,880 --> 00:39:19,719
Speaker 4: So I feel like we need to budget for those

813
00:39:19,760 --> 00:39:22,040
Speaker 4: things so that the cash is sitting there. Even though

814
00:39:22,080 --> 00:39:24,920
Speaker 4: I've got the cash right now, it still surprises me.

815
00:39:25,320 --> 00:39:27,279
Speaker 4: But also we want to make sure that we've got

816
00:39:27,280 --> 00:39:29,520
Speaker 4: the right amounts in our fun buckets and the right

817
00:39:29,600 --> 00:39:32,280
Speaker 4: amounts in our I call it in the course of Food,

818
00:39:32,320 --> 00:39:36,279
Speaker 4: Fuel and Fun account because that's the account that I like,

819
00:39:36,520 --> 00:39:39,000
Speaker 4: have a debit card, and I tap my debit card

820
00:39:39,080 --> 00:39:42,040
Speaker 4: for things, and every single week I know what my food,

821
00:39:42,120 --> 00:39:44,879
Speaker 4: fuel and fun is going to cost me. And if

822
00:39:44,920 --> 00:39:46,600
Speaker 4: I run out of that money, that's it. We're not

823
00:39:46,640 --> 00:39:49,200
Speaker 4: going out for dinner. But the reason that works for

824
00:39:49,280 --> 00:39:52,560
Speaker 4: me is that those bigger goals aren't compromised. So like

825
00:39:52,640 --> 00:39:56,600
Speaker 4: your travel and your emergency fund and those things aren't

826
00:39:56,600 --> 00:39:58,799
Speaker 4: going to be compromised. If you go out for dinner

827
00:39:58,840 --> 00:40:01,600
Speaker 4: with your partner and then go it blew over like

828
00:40:01,840 --> 00:40:04,399
Speaker 4: we've made a buffer for that. And I think that

829
00:40:04,400 --> 00:40:08,840
Speaker 4: that works really well, especially from my position as someone

830
00:40:08,840 --> 00:40:11,239
Speaker 4: who has been in debt and is a little bit

831
00:40:11,239 --> 00:40:14,279
Speaker 4: of an instant gratification Galie, even though I shouldn't be.

832
00:40:14,719 --> 00:40:16,520
Speaker 4: So I'm going to gift you that. We'll work that

833
00:40:16,600 --> 00:40:17,120
Speaker 4: out after.

834
00:40:17,400 --> 00:40:19,640
Speaker 2: Oh, thank you. I really appreciate it.

835
00:40:19,760 --> 00:40:21,919
Speaker 4: Oh of course. But for those of you following along,

836
00:40:21,960 --> 00:40:23,840
Speaker 4: I'm going to put a little cheeky discount code in

837
00:40:23,880 --> 00:40:25,680
Speaker 4: the show notes because it would be rude to just

838
00:40:25,719 --> 00:40:28,640
Speaker 4: gift it to one person. So we will do a

839
00:40:28,640 --> 00:40:32,000
Speaker 4: little discount. But I feel like that's going to really

840
00:40:32,000 --> 00:40:34,319
Speaker 4: work for you and put you back on track, like

841
00:40:34,360 --> 00:40:36,759
Speaker 4: you're already killing it. But I think that'll turbocharge it.

842
00:40:36,800 --> 00:40:37,840
Speaker 4: And so I'm excited.

843
00:40:38,040 --> 00:40:40,800
Speaker 2: Thank you same same. I'm really excited. I'm going to

844
00:40:40,880 --> 00:40:42,600
Speaker 2: work on that tonight as soon as I get it.

845
00:40:43,160 --> 00:40:45,439
Speaker 4: I love that. I'm really excited. You have to tell

846
00:40:45,440 --> 00:40:48,600
Speaker 4: me how you go. We're running out of time very quickly.

847
00:40:48,880 --> 00:40:51,279
Speaker 4: Money Diarist, at the start of this episode, you said,

848
00:40:51,400 --> 00:40:54,520
Speaker 4: v I reckon, I'm a CS and I said, okay,

849
00:40:54,800 --> 00:40:57,359
Speaker 4: that makes sense. Let's learn a little bit more about you.

850
00:40:57,560 --> 00:41:00,480
Speaker 4: But you've changed your whole money story. You've just gone

851
00:41:00,480 --> 00:41:02,560
Speaker 4: down to tell me how good you are at money,

852
00:41:02,640 --> 00:41:05,919
Speaker 4: and like you have some of the clearest goals they've heard.

853
00:41:05,960 --> 00:41:07,520
Speaker 4: Like when I said, oh, what are your goals, you

854
00:41:07,560 --> 00:41:09,160
Speaker 4: off the bat were like, okay, cool. So I want

855
00:41:09,160 --> 00:41:11,319
Speaker 4: a fully funded emergency fund. I want to pay off

856
00:41:11,320 --> 00:41:14,560
Speaker 4: my car loan. My partner and I we're prioritizing travel,

857
00:41:14,640 --> 00:41:18,120
Speaker 4: so I want to find time to you know, bump

858
00:41:18,160 --> 00:41:21,239
Speaker 4: that a little bit up. We talked about investing and

859
00:41:21,600 --> 00:41:24,040
Speaker 4: you said, oh, look the unfortunately I had to get

860
00:41:24,120 --> 00:41:26,680
Speaker 4: rid of my investments. But then when we reframed it,

861
00:41:26,680 --> 00:41:28,759
Speaker 4: it was because you were getting yourself out of debt

862
00:41:28,920 --> 00:41:31,640
Speaker 4: and you'd made money that could go towards paying off

863
00:41:31,640 --> 00:41:34,080
Speaker 4: your debts, and like, is that not the coolest thing ever?

864
00:41:35,280 --> 00:41:38,480
Speaker 4: Like is that not really epic and putting you in

865
00:41:38,520 --> 00:41:41,600
Speaker 4: the best possible position. So you're saying that investing got

866
00:41:41,640 --> 00:41:44,560
Speaker 4: you out of debt in a way, like Sleigh love

867
00:41:44,640 --> 00:41:48,399
Speaker 4: that for you. You talked about how accidentally I mean, I'm

868
00:41:48,400 --> 00:41:50,640
Speaker 4: going to give you credit for this, but Lack it

869
00:41:50,680 --> 00:41:53,240
Speaker 4: was an accident. How you have a really great interest

870
00:41:53,320 --> 00:41:56,080
Speaker 4: rate on your car loan? Like two one percent in

871
00:41:56,120 --> 00:41:59,440
Speaker 4: this economy. That is definitely worth riding home about. But

872
00:41:59,560 --> 00:42:03,200
Speaker 4: you're also have reframed what is reasonable for you. We

873
00:42:03,280 --> 00:42:06,319
Speaker 4: talked about range Rovers and how ridiculous they are as

874
00:42:06,360 --> 00:42:09,000
Speaker 4: a car. They always break. We don't want a range

875
00:42:09,040 --> 00:42:12,160
Speaker 4: Rover with a red interior. But you picked something that

876
00:42:12,440 --> 00:42:15,400
Speaker 4: you know, still aligned to your style, still gave you

877
00:42:15,480 --> 00:42:19,120
Speaker 4: the vibes you were after, but was actually within your budget.

878
00:42:19,440 --> 00:42:22,440
Speaker 4: I love that your best money habit is still something

879
00:42:22,480 --> 00:42:26,160
Speaker 4: that I can't master. You are good at delayed gratification.

880
00:42:26,560 --> 00:42:29,120
Speaker 4: So we need to talk more because I'm still a

881
00:42:29,120 --> 00:42:32,280
Speaker 4: little bit spendy, a little bit of a short term

882
00:42:32,400 --> 00:42:35,680
Speaker 4: kind of girl. So I'm looking at you going Holy Moley,

883
00:42:35,920 --> 00:42:38,640
Speaker 4: like this girl, she's got a great job, she's killing it.

884
00:42:39,400 --> 00:42:40,840
Speaker 4: Are we really a C minus?

885
00:42:41,239 --> 00:42:44,760
Speaker 2: I thought about that last night when I was writing

886
00:42:44,800 --> 00:42:49,800
Speaker 2: down my money story, and I would still say strictly

887
00:42:49,840 --> 00:42:53,319
Speaker 2: I'm a C minus because I have quite a few

888
00:42:53,320 --> 00:42:56,719
Speaker 2: goals I need to achieve to justify your promotion. But

889
00:42:57,040 --> 00:43:01,000
Speaker 2: I would say that I'm definitely, I guess going towards

890
00:43:01,360 --> 00:43:03,160
Speaker 2: the bee the b.

891
00:43:03,440 --> 00:43:06,520
Speaker 4: Are you're working towards it. You're like, no, no, no,

892
00:43:06,600 --> 00:43:09,000
Speaker 4: I think I've been reasonable with myself. We've still got

893
00:43:09,000 --> 00:43:09,640
Speaker 4: space to grow.

894
00:43:09,719 --> 00:43:10,719
Speaker 2: I love that absolutely.

895
00:43:10,719 --> 00:43:12,319
Speaker 4: I love that. I'm not going to argue with you,

896
00:43:12,400 --> 00:43:15,759
Speaker 4: Money direst It has been a pleasure getting to know you,

897
00:43:15,920 --> 00:43:19,320
Speaker 4: getting to share your story and learning literally so much

898
00:43:19,760 --> 00:43:22,120
Speaker 4: so I really appreciate it and know that the community

899
00:43:22,160 --> 00:43:24,480
Speaker 4: will so thank you for that. It's been amazing.

900
00:43:24,640 --> 00:43:27,080
Speaker 2: Thanks Victoria, it's been lovely. Thank you so much.

901
00:43:33,960 --> 00:43:36,480
Speaker 4: The advice shared on She's on the Money is general

902
00:43:36,560 --> 00:43:40,440
Speaker 4: in nature and does not consider your individual circumstances. She's

903
00:43:40,480 --> 00:43:43,920
Speaker 4: on the Money exists purely for educational purposes and should

904
00:43:43,960 --> 00:43:47,120
Speaker 4: not be relied upon to make an investment or financial decision.

905
00:43:47,520 --> 00:43:49,960
Speaker 4: If you do choose to buy a financial product, read

906
00:43:50,000 --> 00:43:54,120
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

907
00:43:54,160 --> 00:43:57,440
Speaker 4: your needs. Victoria, Divine and She's on the Money are

908
00:43:57,520 --> 00:44:00,799
Speaker 4: authorized representatives of Money SHOWPA, P E T Y L

909
00:44:00,840 --> 00:44:03,439
Speaker 4: T D A B N three two one six four

910
00:44:03,560 --> 00:44:06,520
Speaker 4: nine two seven seven zero eight A F S L

911
00:44:06,680 --> 00:44:09,080
Speaker 4: four five one two eight nine