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

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it. She's on the Money, She's on

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Speaker 2: the Money.

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

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Speaker 3: Millennials who want financial freedom. Welcome back to another shop

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Speaker 3: back Money Diary Monday, where we get to chat to

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Speaker 3: a beautiful community member to learn about them, their story,

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Speaker 3: their money, their life all of the fun things in between.

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Speaker 4: Have you got a good one this week, jessic.

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Speaker 3: Ricci, I have an excellent one, However, it is a

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Speaker 3: little heavy, so I did just want to pop a

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Speaker 3: content warning right here up the front. We're going to

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Speaker 3: be talking about a whole range of things, including mental health,

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Speaker 3: specifically BPD. There are themes of self harm and drug

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Speaker 3: use as well, so just keep that in mind. It

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Speaker 3: is a really great diary. But if any of those

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Speaker 3: themes might be a little bit off putting for you,

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Speaker 3: give this week a skip. We've got a whole back

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Speaker 3: catalog that you can listen to and check out.

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Speaker 4: We absolutely do so without further ado. Jessica Ricci, what

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Speaker 4: was this week's money dires female?

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Speaker 3: So Our diret says, I came to Australia as an

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Speaker 3: international student from the Philippines. In my five years living here,

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Speaker 3: I was diagnosed with borderline personality disorder. One of the

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Speaker 3: main symptoms is impulsivity. I used to save, safe, save

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Speaker 3: and was smart with my spending, but if I have

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Speaker 3: a relatively bad day emotional roller coaster, I just spend

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Speaker 3: it all.

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Speaker 4: That seems very relatable to some other people in our

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Speaker 4: community that I've heard something similar from, but I think

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Speaker 4: so as well. Money Darist, welcome to the show, and

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Speaker 4: thank you for wanting to share your story with us.

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Speaker 2: Ah, thanks for having me.

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Speaker 4: Oh my gosh, of course, it sounds like you've been here, there,

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Speaker 4: and everywhere, from the Philippines all the way to Australia

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Speaker 4: and going through all of that and still thriving. But

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Speaker 4: also impulsivity is something that not just people with borderline

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Speaker 4: personality disorder stuffer with, but you would get it at

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Speaker 4: a more extreme level, right.

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Speaker 2: Yes, very much. So, like it's sometimes really unpredictable and

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Speaker 2: just yeah, a lot of stupid decisions have been made because.

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Speaker 4: Though they're not stupid, they're not stupid, they're decisions that

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Speaker 4: we just made along the journey and they are what

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Speaker 4: they are, and we're just going to deal with it.

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Speaker 4: Let's get into the questions, because I have about a

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Speaker 4: million questions for you, but as Jess always eggs, us on,

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Speaker 4: got to wait to the second half of the show

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Speaker 4: to ask the non structured questions. Isn't that right? Absolutely?

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Speaker 4: So let's begin money, Daris, Could you tell us a

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Speaker 4: little bit about your money story.

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Speaker 2: Growing up, I was really privileged, So in the Philippines

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Speaker 2: we were kind of in the upper middle class bracket,

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Speaker 2: so private school education from primary to high school to university. Yeah.

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Speaker 2: So my dad has always been the one to say, hey,

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Speaker 2: treat yourself, basically, like, if you have some money, you

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Speaker 2: can afford it, treat yourself. Meanwhile, my mother on the

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Speaker 2: other hand, she was kind of like, you need to

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Speaker 2: save more. So growing up, I've had periods where I'm

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Speaker 2: saving a lot and then another flip side. The thing

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Speaker 2: that my dad would always say would be to treat myself.

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Speaker 2: So I'd have savings for like a few months, then

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Speaker 2: I'm maybe, you know, something happens or like I'm having

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Speaker 2: a bad day. There's always this thing, this like I

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Speaker 2: spend it all. So it's always been the struggle for

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Speaker 2: me of saving and then spending it all in one go.

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Speaker 4: And just finding balance and what actually works for you.

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Speaker 4: Sounds like a bit of a struggle, wouldn't that be

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Speaker 4: along the right lines?

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Speaker 2: Yeah, very Yeah, it's really it's a big struggle because

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Speaker 2: if I don't sometimes I save so much that I

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Speaker 2: don't treat myself, or I treat myself too much that

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Speaker 2: I don't save.

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Speaker 4: So yeah, okay, all right, money dires. Next question, what

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Speaker 4: do you do for work and how much money do

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Speaker 4: you earn.

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Speaker 2: I've actually just signed on a whole month contract as

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Speaker 2: an EA or congratulations for a company in Darwin. But yeah,

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Speaker 2: I earned fifty four okay thereabouts.

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Speaker 4: Cool?

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Speaker 2: That includes like a five cable and it's after the

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Speaker 2: contract but it's also a part time role, so it's

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Speaker 2: all cool.

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Speaker 4: So it's fifty five is it pro rata or is

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Speaker 4: that how much you'll make?

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Speaker 2: Part that's so much i'll make.

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Speaker 4: Oh my gosh, how cool for a part time role.

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Speaker 2: And I don't do much too.

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Speaker 4: I won't tell you abouts. This is an anonymous good work.

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Speaker 4: How exciting? All right, tell me about what your big

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Speaker 4: money goal is.

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Speaker 2: At the moment. I'm paying off my wedding. I'm getting

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Speaker 2: married next month.

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Speaker 4: Oh congratulations, that's so exciting.

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Speaker 2: It is so paying off the wedding. And I'm trying

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Speaker 2: to set up an emergency fund just so well, saying

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Speaker 2: it fall back if things get worse again. But yeah,

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Speaker 2: at the moment, it's just cashing up on the emergency fund.

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Speaker 4: But its smart. So tell me what an emergency fund

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Speaker 4: means to you and your partner, Like how much is that?

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Speaker 4: And how did you work out what you wanted in

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Speaker 4: your emergency fund.

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Speaker 2: At the moment, I have maybe five hundred dollars in

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Speaker 2: my emergency fund, but it's for just for my own comfort,

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Speaker 2: I guess. Yeah, of course, because with BPD, I kind

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Speaker 2: of get the oh, he's gonna leave me, or things

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Speaker 2: like that. So it's just a few, I mean money

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Speaker 2: for me to use if things go south in my relationship,

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Speaker 2: which it will, but you know, just that backup.

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Speaker 4: It's always good to have a backup, regardless of what

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Speaker 4: is going on in our lives. I think every single

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Speaker 4: person should have an emergency fund, always, always, always, always,

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Speaker 4: my friend, that's for.

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Speaker 2: My personal one, but for our shared one. It's for

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Speaker 2: the pets.

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Speaker 4: Mostly for the pets mostly. I love it as a

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Speaker 4: pet mom, I get it. How many pets do you have?

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Speaker 2: I have two cats and a dog just like you.

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Speaker 4: Oh my gosh, a coin we love it. Or next question,

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Speaker 4: my friend, do you currently have any investments? I have like,

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Speaker 4: oh my gosh, So, guys, we've had a brief intermission

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Speaker 4: our money diarist. Dog has gotten up to try and

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Speaker 4: leak the microphone and enjoy money diaries. She's very excited though,

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Speaker 4: very sweet. Yeah she is.

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Speaker 2: She's still a puffy.

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Speaker 4: She knew you were talking about her. She's like that

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Speaker 4: emergency fund for me. Mom. Yes, all right, so talk

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Speaker 4: to me. Do you have any investments?

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Speaker 2: I have a few, like three hundred bucks in comceck

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Speaker 2: for you ifs so it's just the pocket one and

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Speaker 2: then I have Race.

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Speaker 4: Very cool and what led you to pick those platforms?

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Speaker 2: Comceck was just easy and with Combat it's like an

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Speaker 2: easy way for me to get into the ETF market yep,

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Speaker 2: because they have this like the sustainable one and then

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Speaker 2: they have emerging markets and stuff like that, and I

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Speaker 2: just found it a bit easier as a first step

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Speaker 2: into investing. So yeah, went with that one.

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Speaker 4: Yeah, and then you have.

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Speaker 2: Yes Race just for the roundups. So just trying to

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Speaker 2: get into get a feel of the market that way

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Speaker 2: as well, because with ets you don't really see it.

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Speaker 2: With the race, it's kind of there you have the

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Speaker 2: graph and everything.

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Speaker 4: Yeah, yeah, airpic all right, next question, my friend, do

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Speaker 4: you currently have any debts?

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Speaker 2: No? Personally, I don't have any debts. I'm helping my

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Speaker 2: partner pay off his one, but I don't have any.

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Speaker 4: Oh what is that? And how does that work? You

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Speaker 4: helping him pay it off?

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Speaker 2: It's more of because our finances are shared, so every

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Speaker 2: like every time I get paid, and we have this

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Speaker 2: account where we just put everything in and then we

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Speaker 2: pay ourselves basically an allowance every fortnight. So that money

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Speaker 2: that we put in our joint account pays all our bills.

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Speaker 2: And everything, So it just yeah, you just share everything

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Speaker 2: being so I don't know to explain it better.

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Speaker 4: No, no, no, that makes absolute sense. I'm asking just

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Speaker 4: because sometimes when you come into a relationship and one

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Speaker 4: person has debt and the other doesn't like it can

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Speaker 4: be a sticking point or it can be something that's

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Speaker 4: really tricky to have a conversation about. How have you

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Speaker 4: had that conversation with your partner, Like, did he have

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Speaker 4: the debt when you met him?

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Speaker 2: Yes, he had part of the debt when we met,

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Speaker 2: but it kind of grew in the last two years

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Speaker 2: because I didn't have a job, Yeah, and he needed

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Speaker 2: to like finance both of us, and yeah, I wasn't

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Speaker 2: doing very well during twenty twenty twenty one.

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Speaker 4: How good is it that you had such a supportive partner?

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Speaker 2: Yeah, how good?

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Speaker 4: Very lucky to marry him next month?

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Speaker 2: Like what, Yeah, I'm very lucky. He's he's been really good,

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Speaker 2: really supported.

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Speaker 4: I love that for you, all right, Next question, my friend,

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Speaker 4: do you use shop back when you are shopping online?

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Speaker 2: Yes? I just signed up like a couple of weeks ago.

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Speaker 4: Oh. What was your first purchase, my friend?

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Speaker 2: Two pairs of jeans from cotton On it's good.

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Speaker 4: We love a good staple. And not only do we

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Speaker 4: love a good staple, we love a money win on

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Speaker 4: a good staple.

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Speaker 2: Yeah. I had a discount on it as well, so.

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Speaker 4: It was really good. That is an epic win. That's

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Speaker 4: like a double money win. We love those extra all right.

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Speaker 4: Next question is money dos. What is your best money habit?

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Speaker 2: My best money habit would be saving as much as

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Speaker 2: I can with my allowance, so apart from our joint savings,

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Speaker 2: I save some money from my allowance to go towards

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Speaker 2: other stuff like gifts. Like I have a sinking fund

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Speaker 2: for gifts so that I don't really feel put out

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Speaker 2: when Christmas time comes around.

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Speaker 4: Hey, that's smart. I feel like not enough of us

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Speaker 4: planned well enough for Christmas, even though Christmas literally just

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Speaker 4: keeps coming up on the same date every single year. Jess, Yeah,

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Speaker 4: I'm always under prepared. It is wild. And to flip

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Speaker 4: that on its head, money DRIs, what is your worst

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Speaker 4: money habit?

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Speaker 2: Spending too much when I'm not feeling great?

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Speaker 4: Talk to us about that. How does that happen, how

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Speaker 4: is it facilitated? And what does not feeling great mean?

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Speaker 2: It's mostly when I'm really stressed that I can't regulate

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Speaker 2: my emotions as well. So I've managed my BPD thankfully,

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Speaker 2: and there are times when I just have days when

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Speaker 2: it just goes from just up and down, up and down,

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Speaker 2: and at the end of the day, I'm always like, oh,

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Speaker 2: I need something to make myself just feel that little

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Speaker 2: bit better. So usually spend a lot of money on food.

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Speaker 4: On food, I don't feel like food's the worst thing

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Speaker 4: that can absolutely pick up my mood. What is your

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Speaker 4: go to.

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Speaker 2: Ten nuggets up? Megis ten nugget meals.

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Speaker 3: Our same queen.

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Speaker 4: That's the Jessica Rickey special. I know kid LAROI got

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Speaker 4: the kid LAROI meal like I'm waiting for the Jessica

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Speaker 4: Rickey meal. And what is in it is it's a

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Speaker 4: medium chips, It's a full fat, proper Maca's coke because

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Speaker 4: apparently that's the only good type of coke. And then

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Speaker 4: it is a six pack of nuggets. It has sweetened

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Speaker 4: sour sauce. But the different thing here, guys, it comes

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Speaker 4: with a source holder to put in your car so

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Speaker 4: that the sauce can be help because jess has one.

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Speaker 3: That's how much I like nuggets sheholders, especially in my car.

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Speaker 4: That's who she's person. Guys. All right, last question before

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Speaker 4: we go to a quick break, Money Diarist, if we

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Speaker 4: forced you to give your money habits a grade, what

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Speaker 4: would you grade yourself?

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Speaker 2: I would grade myself for C plus and why because

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Speaker 2: I just have a lot of things to catch up on,

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Speaker 2: just the finance side, just having those foundations I don't

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Speaker 2: have yet, because I basically had to start over again

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Speaker 2: this year.

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Speaker 4: It sounds like you're well on your way though, with

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Speaker 4: a new contract, You're getting married in a month. There's

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Speaker 4: a lot of right things in your future, and I

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Speaker 4: want to ask you a lot about them right after

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Speaker 4: this quick break. All right, money Diarist, let's get into

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Speaker 4: the nitty gritty of it. In your story, you wrote

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Speaker 4: into us and you said, I'm struggling with borderline personality

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Speaker 4: disorder and this really impacts the way that I manage

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Speaker 4: money and spend. And this is obviously really significant for you,

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Speaker 4: but I also think there are a lot of people

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Speaker 4: in our community who go through this. Can you explain

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Speaker 4: to us just briefly, how does borderline personality disorder affect you?

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Speaker 2: So I Usually it's also called emotional dysregulation disorder. It's

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Speaker 2: different from bipolar disorder, which you have manic episodes and

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Speaker 2: depressive episodes. With BPD, you have both in a span

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Speaker 2: of a few hours instead of periods of time, so

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Speaker 2: it's really like a roller coaster. So that's one part

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Speaker 2: of it. But there's also that intense fear of abandonment, impulsivity,

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Speaker 2: self harming behaviors. But yeah, those are the symptoms I've

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Speaker 2: personally been through.

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Speaker 3: When were you diagnosed and what was that process like

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Speaker 3: for you? Because I'm assuming that you experienced all of

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Speaker 3: these emotions and it can be really hard when you're

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Speaker 3: going through that to take a step back and realize

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Speaker 3: that that's not how everybody lives their life. What was

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Speaker 3: that process like and how long ago was it that

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Speaker 3: you went through it?

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Speaker 2: So I got diagnosed in early twenty twenty one, but

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Speaker 2: it was my partner actually who pushed me. Was a

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Speaker 2: few months after we met. He pushed me to see

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Speaker 2: the school counselor because we have like free unique counseling

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Speaker 2: in kindible and then I went from that and then

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Speaker 2: going to the GP, getting diagnosed with anxiety and depression

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Speaker 2: at first, and then I had a few episodes where

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Speaker 2: I overdosed. So I think it was after two instances

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Speaker 2: of overdosing that I was referred to a psychiatrist and

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Speaker 2: was told that I may have BPD traits at first,

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Speaker 2: and then saw a psychologist. They tested for it, and

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Speaker 2: that's when they diagnosed me with BPD.

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Speaker 4: Wow, So an official diagnosis is not exactly the start

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Speaker 4: of when it happens. Right, how long has this been

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Speaker 4: affecting you prior? Obviously a diagnosis is just putting a

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Speaker 4: name to something that you've already been struggling with, Right.

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Speaker 2: Yeah, I think it was in high school. If I'm

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Speaker 2: thinking back, I think it was in high school. When

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Speaker 2: looking back, I could see the little signs of it,

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Speaker 2: but at the time I was none the wiser.

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Speaker 3: Yeah, it's very much that thing of I guess that's

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Speaker 3: your normal if you've been living that way, And sometimes

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Speaker 3: it takes someone like your partner or your fiancee to say, hey, like,

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Speaker 3: I think maybe it's worth looking into if that is

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Speaker 3: something bigger and broader. Since you have been diagnosed and

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Speaker 3: it was quite recent, how has that knowledge changed things

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Speaker 3: for you? So have you been able to kind of

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Speaker 3: implement processes and has it become a bit more manageable

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Speaker 3: Where you're feeling like you're on a track now where

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Speaker 3: you're feeling healthier and more confident and working towards the

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Speaker 3: future you deserve.

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Speaker 2: Yes, I feel like I've been able to manage it lately,

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Speaker 2: but it was I think late last year where I've

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Speaker 2: started to feel like I'm on the path to recovery. Yeah,

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Speaker 2: it was just really hard. Twenty twenty twenty, early twenty

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Speaker 2: twenty one was really hard for me, and at first

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Speaker 2: I felt like I was crazy because I didn't know

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Speaker 2: why I was feeling what I was feeling like. There

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Speaker 2: were times when I feel like I wanted to cry,

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Speaker 2: but I didn't know why.

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Speaker 3: I just want to jump through this screen and give

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Speaker 3: you a hug because I can just see how that

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Speaker 3: impacts you in your face now and how challenging that

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Speaker 3: must be. And I think congratulations on pulling through that,

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Speaker 3: and congratulations probably isn't the right word, but I'm really

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Speaker 3: happy that you are able to get to a place

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Speaker 3: now where you can reflect on it and say that

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Speaker 3: was really hard, but I am feeling like I'm on

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Speaker 3: the way to recovery.

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Speaker 4: That's incredible.

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Speaker 2: Thank you. It's been hard work, Honestly, it's been really

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Speaker 2: hard work.

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Speaker 4: And it's not easy work, and so many people just

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Speaker 4: again it's like money, right, you just bury your head

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Speaker 4: in the sand about mental health and don't ask for help.

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Speaker 4: And the longer you don't ask for help, the longer

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Speaker 4: you end up struggling with it. And you are literal

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Speaker 4: proof that you can kind of come out the other

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Speaker 4: side and it's still a struggle, but you know the

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Speaker 4: tools and resources that you need to rely on that

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Speaker 4: are going to help you throughout the day, right.

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Speaker 2: Yes, definitely. I come from a country that really has

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Speaker 2: stigmatized still mental health issues. So even my parents don't

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Speaker 2: know that I've been having these problems because they just

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Speaker 2: brush it aside and they're all, you're making it up.

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Speaker 2: So that didn't help with the diagnosis. It was when

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Speaker 2: I accepted that are I'm not well that I started

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Speaker 2: to heal.

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Speaker 4: Wow, that must be so challenging, feeling like not everyone

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Speaker 4: in your sphere is on your team. Can you tell

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Speaker 4: us a little bit about the tools and resources that

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Speaker 4: you use that are really helpful, because I know that

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Speaker 4: there's probably a lot of things that you've worked out

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Speaker 4: that a lot of people could benefit from.

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Speaker 2: Yeah. One of the resources my psychiatrist told me to

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Speaker 2: look into was Project Air.

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Speaker 4: Oh, I haven't heard of that.

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Speaker 2: I think it's from University of New South Wales. I'm

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Speaker 2: not quite sure, but they have a segment where they

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Speaker 2: have this lived experience as videos and like articles, and

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Speaker 2: that really helped me see that with what I've been through,

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Speaker 2: it's normal. People have been through it and people have

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Speaker 2: come up the other side. So yeah, that was really

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Speaker 2: helpful for me.

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Speaker 4: That's quite cool. So we'll make sure I'll do some

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Speaker 4: research straight after this and make sure that the link

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Speaker 4: to that is in the show notes if anyone wants

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Speaker 4: to check it out. Talk to me about money management.

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Speaker 4: So you mentioned before that you are quite impulsive. How

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Speaker 4: are you managing impulsiveness every day when it comes to

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Speaker 4: your banking and finances At.

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Speaker 2: The moment, I have different bank accounts, so I have

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Speaker 2: this one account with up where I put all my allowance,

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Speaker 2: so that's the amount that I have to spend. But

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Speaker 2: the one thing that really helped me was putting time

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Speaker 2: between me and my purchases.

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Speaker 3: We love to say it.

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Speaker 2: Yes, yes, I've been very good with it lately and

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Speaker 2: listening to the podcast has also helped a lot.

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Speaker 4: Oh yeah, we get to be helpful.

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Speaker 2: Yes, it's us yes, it's you. It just it makes

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Speaker 2: me feel motivated because I hear it every time I

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Speaker 2: listen to you guys on my drive to work and

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Speaker 2: while I'm at work. So it's like, oh, reminding me that, oh,

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Speaker 2: I have goals, I have money goals, So I have

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Speaker 2: to you do. I have to like be not really disciplined,

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Speaker 2: but to keep my eye on the price.

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Speaker 4: Basically, yeah, oh my gosh, I love that we get

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Speaker 4: to be part of this journey in really a positive way.

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Speaker 4: Like to me, it is so special that you get

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Speaker 4: to hang out with us in the car on the

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Speaker 4: way to work.

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Speaker 3: I was just gonna say, I'm really glad we get

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Speaker 3: to hang out with you in the mornings, even though

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Speaker 3: we're not actually there. It's so silly that that makes

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Speaker 3: me happy, But it makes me really happy to think

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Speaker 3: of you driving in the car and us just chatting

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Speaker 3: away like we're friends.

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Speaker 4: Sometimes it literally crosses my mind, like while I'm driving

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Speaker 4: to work, and it crossed my mind the other day.

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Speaker 4: So the other day I was quite unwell. I had

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Speaker 4: laryngitis and I couldn't speak, so I wasn't on the

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Speaker 4: podcast Money Dirist and Jess and George were on the

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Speaker 4: pod and I hate listening back to our own episodes

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Speaker 4: when I'm on it because I cannot stand listening to

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Speaker 4: my own voice. It gives me he begbies. But because

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Speaker 4: Jess and George on, I was like, well, I better

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Speaker 4: listen to these podcasts, And I was like, is this

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Speaker 4: what other people feel like?

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Speaker 1: Like?

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Speaker 4: I was vibing it, I was loving the episode. I

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Speaker 4: was like, does everybody else feel this excited about it

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Speaker 4: she's on the money episode? Or is it just me

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Speaker 4: the idea that other people love our content as much

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Speaker 4: as you know I did when I got to just

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Speaker 4: hear it when it was Jess and George. Honestly, I

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Speaker 4: just feel like we found our people Jess hundred, we

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Speaker 4: found them and they are you Money Diarist.

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Speaker 3: I wanted to ask you, money Diarist, while we're talking

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Speaker 3: about finances. Obviously you're an international student, not a permanent resident.

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Speaker 3: How has that worked for you in terms of I

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Speaker 3: know when I've personally been through the process getting psychology

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Speaker 3: appointments and mental health that there are resources in place

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Speaker 3: for me where I can access those for free. Are

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Speaker 3: those resources also applicable to people like yourself who are

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Speaker 3: international students or did you have to bear the brunt

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Speaker 3: of that cost for all of those appointments.

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Speaker 2: For me, we had to get a student feaser. You

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Speaker 2: have to have insurance, yes, so for the length of

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Speaker 2: your stay here. So at the start, because I'm not

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Speaker 2: on the student visa now, at the start, I had

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Speaker 2: to rely on the student insurance, the student visa insurance

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Speaker 2: where cheapy appointments are covered like everything medical is covered great,

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Speaker 2: So I had to rely on the book bill and

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Speaker 2: it's actually really good, but it's also very hard to claim, yes,

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Speaker 2: But yeah, that really helped when I was starting out.

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Speaker 3: That is so good to hear, because I do always

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Speaker 3: think about, you know, assistance with mental health needs to

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Speaker 3: be as accessible as possible, regardless of where you're from, because,

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Speaker 3: like you said, if you come from a place where

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Speaker 3: it's really stigmatized and it's not talked about, that's an

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Speaker 3: additional barrier to you, like you said, getting on your

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Speaker 3: road to recovery, and you had to kind of work

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Speaker 3: through that yourself. So I think it's awesome that you

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Speaker 3: could access those resources here, and I'm really glad to

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Speaker 3: hear that's the case. The last question that I had

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Speaker 3: was around what you were saying before when you were

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Speaker 3: listening to those lived experiences from other people. You said

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Speaker 3: that it made you feel not so alone, And when

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Speaker 3: you're suffering with mental health, feeling isolated is such a

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Speaker 3: strong emotion to experience because in addition to all of

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Speaker 3: the things that you're feeling, you feel like you can't

439
00:23:20,760 --> 00:23:23,080
Speaker 3: talk to people and you're the only person going through it.

440
00:23:23,119 --> 00:23:26,400
Speaker 3: And I personally know how challenging that that can be.

441
00:23:26,800 --> 00:23:28,320
Speaker 3: I have no doubt that there will be people in

442
00:23:28,320 --> 00:23:31,679
Speaker 3: our community listening to this who may have BPD or

443
00:23:31,720 --> 00:23:35,000
Speaker 3: maybe experiencing those same things that you were because of

444
00:23:35,040 --> 00:23:39,200
Speaker 3: another reason. What would you say to them? What encouragement

445
00:23:39,400 --> 00:23:42,000
Speaker 3: or what resources can you suggest to someone who might

446
00:23:42,080 --> 00:23:43,960
Speaker 3: be struggling in the way that you were.

447
00:23:45,760 --> 00:23:50,359
Speaker 2: Just I know it's hard, but just reach out because

448
00:23:50,640 --> 00:23:54,200
Speaker 2: once you start reaching out for help, once you actually

449
00:23:55,520 --> 00:23:58,320
Speaker 2: gain the courage to reach out for help, things will

450
00:23:58,400 --> 00:24:04,160
Speaker 2: slowly get better. People will have resources, like they'll give

451
00:24:04,200 --> 00:24:08,040
Speaker 2: you things that you can read through or things that

452
00:24:09,359 --> 00:24:13,040
Speaker 2: you can use, resources that you can use, like, for one,

453
00:24:13,240 --> 00:24:17,719
Speaker 2: I was referred to the Sexual Assault Resource Center and

454
00:24:17,840 --> 00:24:22,960
Speaker 2: they've been really great help. They're also free, incredible headspace.

455
00:24:23,800 --> 00:24:26,520
Speaker 2: And then here we have the Anti Mental Health Line

456
00:24:26,840 --> 00:24:30,240
Speaker 2: which is really good because they check up on you

457
00:24:30,800 --> 00:24:35,000
Speaker 2: and they have like different psychiatrists or psychologists on call

458
00:24:35,080 --> 00:24:39,600
Speaker 2: all the time. So just having that feeling of isolation

459
00:24:39,960 --> 00:24:43,240
Speaker 2: and then you can reach out like it helps a lot.

460
00:24:43,880 --> 00:24:45,880
Speaker 4: I love that, and I love that you're so well

461
00:24:45,960 --> 00:24:49,360
Speaker 4: versed in resources because sometimes respect people and they're like, look,

462
00:24:49,400 --> 00:24:51,040
Speaker 4: I just went to my GP and then I saw

463
00:24:51,040 --> 00:24:53,800
Speaker 4: a psychologist and that was my process. And I don't

464
00:24:53,840 --> 00:24:57,919
Speaker 4: have any external resources. But to me, having those resources

465
00:24:58,000 --> 00:25:01,200
Speaker 4: is kind of like surrounding yourself with supporting friends. Sometimes

466
00:25:01,200 --> 00:25:02,640
Speaker 4: you want to go out for a coffee with Jess

467
00:25:02,640 --> 00:25:04,320
Speaker 4: and other times you want to go and chat to

468
00:25:04,359 --> 00:25:07,720
Speaker 4: Georgia about something different. Because you have different relationships with

469
00:25:07,800 --> 00:25:10,959
Speaker 4: each resource and person in your life that it is

470
00:25:11,040 --> 00:25:13,640
Speaker 4: really powerful to just have that suite. And I think

471
00:25:13,640 --> 00:25:16,320
Speaker 4: that we all should build up a suite of resources

472
00:25:16,320 --> 00:25:18,280
Speaker 4: that can support us, whether it is you know, a

473
00:25:18,320 --> 00:25:21,720
Speaker 4: money podcast, or it is those resources that you just mentioned,

474
00:25:21,840 --> 00:25:23,760
Speaker 4: Like having those in your back pocket when you're having

475
00:25:23,800 --> 00:25:26,000
Speaker 4: a bad day means that that day is not going

476
00:25:26,040 --> 00:25:26,960
Speaker 4: to be nearly as bad.

477
00:25:27,119 --> 00:25:31,159
Speaker 2: Right, Yes, definitely. I have this list where all the

478
00:25:31,280 --> 00:25:36,880
Speaker 2: numbers are put in, like my counselor from SAR give

479
00:25:36,920 --> 00:25:40,240
Speaker 2: me the list because there are times when I can't

480
00:25:40,280 --> 00:25:43,520
Speaker 2: reach out to other people, but I can reach out

481
00:25:43,560 --> 00:25:47,880
Speaker 2: to them, and that has really helped me because they

482
00:25:48,000 --> 00:25:51,720
Speaker 2: understand what I'm going through because like they've listened to

483
00:25:51,760 --> 00:25:55,320
Speaker 2: other people who has gone through them as well, so

484
00:25:55,359 --> 00:25:58,160
Speaker 2: they know how to help. It was a lifesaver.

485
00:25:58,320 --> 00:26:00,840
Speaker 4: Honestly, I love that, and I love that you've got

486
00:26:00,840 --> 00:26:03,000
Speaker 4: a list. We can all take note from that and

487
00:26:03,040 --> 00:26:06,160
Speaker 4: create our own lists of resources that just work really

488
00:26:06,160 --> 00:26:08,200
Speaker 4: well for us money devis.

489
00:26:08,200 --> 00:26:11,320
Speaker 3: Thank you so much for being so open with us,

490
00:26:11,400 --> 00:26:15,679
Speaker 3: because I'm personally super duper passionate about mental health and

491
00:26:15,720 --> 00:26:18,880
Speaker 3: it's something that we're working in the background on talking

492
00:26:18,880 --> 00:26:21,400
Speaker 3: about even more on the podcast later in the year,

493
00:26:21,520 --> 00:26:24,119
Speaker 3: So I think that you have been a really great

494
00:26:24,359 --> 00:26:26,919
Speaker 3: gateway for us to do that. And thank you for

495
00:26:27,000 --> 00:26:29,359
Speaker 3: being so open about your journey. And I can only

496
00:26:29,400 --> 00:26:32,840
Speaker 3: say that I'm so happy to see you thriving and

497
00:26:33,000 --> 00:26:36,560
Speaker 3: working towards incredible things and coming out the other side

498
00:26:36,600 --> 00:26:40,320
Speaker 3: of something that has been really challenging. You're absolutely killing

499
00:26:40,359 --> 00:26:43,840
Speaker 3: at you, queen, and good luck and congratulations for your

500
00:26:43,840 --> 00:26:47,159
Speaker 3: wedding next month. I can't wait. Please send us photos, yes, please,

501
00:26:47,200 --> 00:26:50,760
Speaker 3: please please.

502
00:26:49,160 --> 00:26:51,320
Speaker 4: Are your pets involved in your wedding? By chance?

503
00:26:51,440 --> 00:26:55,280
Speaker 2: Unfortunately not, but we have this little okay pins, I

504
00:26:55,440 --> 00:26:59,560
Speaker 2: got pins made that has their faces on them.

505
00:27:00,040 --> 00:27:02,359
Speaker 4: Oh my gosh, soud. So they are involved in the

506
00:27:02,359 --> 00:27:04,360
Speaker 4: way or form exactly.

507
00:27:04,480 --> 00:27:07,240
Speaker 2: So I have one for my bouquet and one for

508
00:27:07,280 --> 00:27:10,480
Speaker 2: my partners, sush.

509
00:27:10,600 --> 00:27:14,520
Speaker 4: That is the sweetest thing ever, InCred I love it.

510
00:27:14,840 --> 00:27:15,040
Speaker 2: Well.

511
00:27:15,080 --> 00:27:17,959
Speaker 4: Unfortunately, that is all we have time for today, So

512
00:27:18,359 --> 00:27:20,199
Speaker 4: just just before we head off, can you wrap the

513
00:27:20,240 --> 00:27:21,639
Speaker 4: boring but important stuff?

514
00:27:21,720 --> 00:27:24,879
Speaker 3: Of course, don't forget guys, the advice shared on She's

515
00:27:24,920 --> 00:27:26,879
Speaker 3: on the Money is general in nature and does not

516
00:27:27,000 --> 00:27:30,760
Speaker 3: consider your individual circumstances. She's on the Money exists purely

517
00:27:30,760 --> 00:27:33,480
Speaker 3: for educational purposes and should not be relied upon to

518
00:27:33,480 --> 00:27:36,480
Speaker 3: make an investment or a financial decision. And we promise

519
00:27:36,640 --> 00:27:39,760
Speaker 3: Victoria Divine and She's on the Money are authorized representatives

520
00:27:39,760 --> 00:27:43,880
Speaker 3: of Infocused Securities Australia Proprietary Limited ABN four seven oh

521
00:27:43,960 --> 00:27:47,280
Speaker 3: nine seven seven nine seven fort nine AFSL two three

522
00:27:47,320 --> 00:27:51,440
Speaker 3: six five two three See you next time. Bye,