1
00:00:00,600 --> 00:00:04,840
Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud or

2
00:00:04,920 --> 00:00:08,600
Speaker 1: the Order KERNI Whoalbury and a waddery woman. And before

3
00:00:08,640 --> 00:00:11,079
Speaker 1: we get started on She's on the Money podcast, I

4
00:00:11,119 --> 00:00:14,280
Speaker 1: would like to acknowledge the traditional custodians of the land

5
00:00:14,360 --> 00:00:17,720
Speaker 1: of which this podcast is recorded on a wondery country,

6
00:00:18,079 --> 00:00:22,200
Speaker 1: acknowledging the elders, the ancestors and the next generation coming

7
00:00:22,239 --> 00:00:26,920
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

8
00:00:27,040 --> 00:00:30,040
Speaker 1: and the storytelling of you to make a difference for

9
00:00:30,160 --> 00:00:33,040
Speaker 1: today and lasting impact for tomorrow.

10
00:00:33,240 --> 00:00:34,120
Speaker 2: Let's get into it.

11
00:00:34,280 --> 00:00:53,560
Speaker 3: She's on the Money, She's on the Money.

12
00:00:57,160 --> 00:01:00,280
Speaker 4: Hello, and welcome to She's on the Money, the cast

13
00:01:00,280 --> 00:01:03,960
Speaker 4: for millennials who want financial freedom. Welcome back to another

14
00:01:04,000 --> 00:01:06,399
Speaker 4: one of our money Darius, where I get the absolute

15
00:01:06,440 --> 00:01:09,240
Speaker 4: pleasure of talking to one of our incredible Shees on

16
00:01:09,280 --> 00:01:12,679
Speaker 4: the Money community members all about their journey. Let's jump

17
00:01:12,720 --> 00:01:15,040
Speaker 4: straight into it, because this week we got a message

18
00:01:15,040 --> 00:01:18,039
Speaker 4: and it went just like this. Hi, She's on the Money.

19
00:01:18,240 --> 00:01:21,600
Speaker 4: I'm thirty nine, a full time public servant. And here's

20
00:01:21,600 --> 00:01:25,360
Speaker 4: the twist. My worst financial habit is also my other job.

21
00:01:25,760 --> 00:01:29,520
Speaker 4: I'm a comedian and with all the costs involved. Sometimes

22
00:01:29,560 --> 00:01:32,840
Speaker 4: I'm actually paying to make people laugh. Growing up in

23
00:01:32,880 --> 00:01:36,600
Speaker 4: a low income area in WA, money management wasn't something

24
00:01:36,600 --> 00:01:39,920
Speaker 4: we focused on. For fifteen years, I carried debt, but

25
00:01:40,040 --> 00:01:43,400
Speaker 4: last year, with the help of Victoria's Shared Equity program,

26
00:01:43,560 --> 00:01:47,600
Speaker 4: I bought my first one Thirderom apartment. Comedy has been

27
00:01:47,640 --> 00:01:52,600
Speaker 4: my passion, but it's no small expense. Between publicists, show registrations,

28
00:01:52,600 --> 00:01:56,480
Speaker 4: and venue costs, most gigs leave me in the red. Still,

29
00:01:56,560 --> 00:01:59,840
Speaker 4: I'm determined to make it work, and despite the financial rollercoaster,

30
00:02:00,240 --> 00:02:03,400
Speaker 4: I wouldn't trade this journey for anything. Oh my gosh,

31
00:02:03,480 --> 00:02:07,080
Speaker 4: Money Diarist a literal roller coaster from I'm a full

32
00:02:07,080 --> 00:02:10,360
Speaker 4: time public servant, but I'm a funny one is really fun.

33
00:02:10,760 --> 00:02:12,200
Speaker 2: I got a few hats, It's true.

34
00:02:12,520 --> 00:02:15,360
Speaker 4: I like it all right before we dive into it.

35
00:02:15,400 --> 00:02:17,160
Speaker 4: What grade would you give your money habits if I

36
00:02:17,200 --> 00:02:19,520
Speaker 4: asked you to give them a grade from A through

37
00:02:19,520 --> 00:02:20,000
Speaker 4: to F.

38
00:02:20,120 --> 00:02:22,160
Speaker 2: Oh, I feel like, you know, I love the podcast,

39
00:02:22,160 --> 00:02:24,200
Speaker 2: and I feel like people always get to this, Like

40
00:02:24,240 --> 00:02:25,800
Speaker 2: they start off and they'll be like, oh, I'm a

41
00:02:25,840 --> 00:02:28,200
Speaker 2: D minus and then get halfway through and they'll be like, oh,

42
00:02:28,240 --> 00:02:29,919
Speaker 2: I've been investing since I was in the womb.

43
00:02:30,040 --> 00:02:32,919
Speaker 4: Yeah, and Mike, excuse me, Like, and I'm going to

44
00:02:33,000 --> 00:02:36,040
Speaker 4: call you out too, so like, tell me what you

45
00:02:36,160 --> 00:02:38,640
Speaker 4: feel you are and we won't argue now, but we

46
00:02:38,680 --> 00:02:39,360
Speaker 4: can do that later.

47
00:02:39,480 --> 00:02:39,639
Speaker 3: Yeah.

48
00:02:39,680 --> 00:02:41,359
Speaker 2: Well, I mean, look, I'm giving myself a C plus

49
00:02:41,480 --> 00:02:43,720
Speaker 2: a C plus okay, and I'm probably going to stand

50
00:02:43,720 --> 00:02:44,440
Speaker 2: by that, but we'll see.

51
00:02:44,480 --> 00:02:46,400
Speaker 4: All right, Well we can learn more about that. I

52
00:02:46,440 --> 00:02:48,959
Speaker 4: feel like everyone has a journey and sometimes I don't

53
00:02:49,000 --> 00:02:52,040
Speaker 4: want to argue with people either, So let's dive into it.

54
00:02:52,080 --> 00:02:54,720
Speaker 4: Can you tell me a bit more about your money story?

55
00:02:54,880 --> 00:02:57,799
Speaker 2: Yeah, So I grew up on a bushblock outside of

56
00:02:57,800 --> 00:03:01,400
Speaker 2: a small town in southern Wa on the coast. My

57
00:03:02,320 --> 00:03:05,079
Speaker 2: parents didn't go to UNI, or I think they did,

58
00:03:05,080 --> 00:03:07,000
Speaker 2: and then sort of got the free Whitlam UNI and

59
00:03:07,000 --> 00:03:09,760
Speaker 2: then dropped out in their first year. They did mostly

60
00:03:09,800 --> 00:03:12,000
Speaker 2: blue collar jobs. When I was a kid, we owned

61
00:03:12,120 --> 00:03:15,920
Speaker 2: our property, but it like it was. I think the

62
00:03:15,960 --> 00:03:18,240
Speaker 2: reason they moved down there from Perth was because it

63
00:03:18,280 --> 00:03:20,080
Speaker 2: was all they could afford. I think the place was

64
00:03:20,200 --> 00:03:23,360
Speaker 2: forty thousand dollars in the eighties, a ten acre block,

65
00:03:23,440 --> 00:03:24,359
Speaker 2: beautiful block.

66
00:03:24,360 --> 00:03:29,000
Speaker 4: Wow for forty grand And I mean, obviously money changes,

67
00:03:29,120 --> 00:03:31,880
Speaker 4: but like that just feels wild, doesn't it.

68
00:03:31,919 --> 00:03:33,600
Speaker 2: There were a couple of catches, Like the house didn't

69
00:03:33,639 --> 00:03:35,240
Speaker 2: have a bathroom when we moved in.

70
00:03:35,280 --> 00:03:36,600
Speaker 4: We don't need a bathroom, It's fine.

71
00:03:36,680 --> 00:03:36,840
Speaker 1: Yeah.

72
00:03:36,880 --> 00:03:37,440
Speaker 2: We had a paddock.

73
00:03:37,560 --> 00:03:39,840
Speaker 4: Yeah, exactly, go outside the sheep do We just.

74
00:03:39,760 --> 00:03:42,400
Speaker 2: Had a bucket and bush situation for a couple of years.

75
00:03:42,400 --> 00:03:43,480
Speaker 4: You didn't even need the bucket.

76
00:03:43,880 --> 00:03:45,720
Speaker 2: No, we dug a whole lot of the time. And

77
00:03:45,760 --> 00:03:48,320
Speaker 2: then they built a bathroom, so we were on the up.

78
00:03:48,400 --> 00:03:49,480
Speaker 4: Okay, fancy pants.

79
00:03:49,600 --> 00:03:53,160
Speaker 2: Yeah, they're both from you know, fairly chaotic backgrounds. But

80
00:03:53,400 --> 00:03:55,360
Speaker 2: I mean, we had a lovely childhood. I don't think

81
00:03:55,360 --> 00:03:56,600
Speaker 2: it took me a while to figure out that we

82
00:03:56,600 --> 00:03:58,040
Speaker 2: were poor, honestly.

83
00:03:58,360 --> 00:04:01,119
Speaker 4: But that's the best way, right. It's all about mindset,

84
00:04:01,160 --> 00:04:03,080
Speaker 4: Like you might not have heaps of cash, but it's

85
00:04:03,080 --> 00:04:06,480
Speaker 4: about the experiences and mindset. And your parents clearly did

86
00:04:06,480 --> 00:04:06,800
Speaker 4: it well.

87
00:04:06,880 --> 00:04:08,600
Speaker 2: Yeah, And we were just living such different lives to

88
00:04:08,920 --> 00:04:11,000
Speaker 2: the kids I went to school with anyway, you know,

89
00:04:11,160 --> 00:04:13,920
Speaker 2: living out of town and this sort of feral life

90
00:04:13,920 --> 00:04:16,800
Speaker 2: with just animals in the house. We raised maybe kangaroos.

91
00:04:17,040 --> 00:04:19,480
Speaker 2: We had you know, a pet possum, Like it was all.

92
00:04:19,720 --> 00:04:21,400
Speaker 4: Wash you were living my dream life.

93
00:04:21,560 --> 00:04:23,720
Speaker 2: Yeah, it was very cute, and yeah, we didn't have

94
00:04:23,800 --> 00:04:26,120
Speaker 2: much money but gera and food, so because I think

95
00:04:26,120 --> 00:04:28,200
Speaker 2: that's how you really feel it is when there's not

96
00:04:28,320 --> 00:04:30,280
Speaker 2: enough food on the table. But we always had you know,

97
00:04:30,480 --> 00:04:33,440
Speaker 2: vegetables and meat from the neighbors and stuff. Yeah, so

98
00:04:33,440 --> 00:04:35,520
Speaker 2: it was a pretty simple life. I didn't really have

99
00:04:35,560 --> 00:04:38,159
Speaker 2: any new clothes or anything really wholesome.

100
00:04:38,240 --> 00:04:40,960
Speaker 4: Though it sounds like you had a beautiful child.

101
00:04:41,000 --> 00:04:43,080
Speaker 2: Yeah, it was sweet, and you know, my parents have

102
00:04:43,080 --> 00:04:46,800
Speaker 2: always been pretty make hay while the sun shines with money,

103
00:04:46,920 --> 00:04:49,160
Speaker 2: I'd say, you know, I think their attitude was always

104
00:04:49,200 --> 00:04:51,680
Speaker 2: that it's just there to be spent on living a

105
00:04:51,680 --> 00:04:54,800
Speaker 2: good life. And they're also very generous people who are

106
00:04:54,800 --> 00:04:59,080
Speaker 2: always helping out friends and family. So yeah, I in

107
00:04:59,120 --> 00:05:02,800
Speaker 2: my twenties, I moved straight to Perth and went to

108
00:05:02,920 --> 00:05:06,320
Speaker 2: UNI and then went immediately overseas for a few years

109
00:05:06,320 --> 00:05:09,320
Speaker 2: and lived and worked as you know, a waitress, bartender,

110
00:05:09,320 --> 00:05:11,520
Speaker 2: that sort of thing, you know, the usual you know,

111
00:05:11,640 --> 00:05:16,599
Speaker 2: England working holiday situation, and then ended up in Berlin

112
00:05:16,720 --> 00:05:18,960
Speaker 2: for a while and then Darwin Front. He was pretty chaotic,

113
00:05:19,000 --> 00:05:19,719
Speaker 2: to be honest.

114
00:05:20,080 --> 00:05:23,200
Speaker 4: That's so fun though, you're like, yeah, so I ended

115
00:05:23,240 --> 00:05:25,280
Speaker 4: up in like England and then also Darwin.

116
00:05:25,560 --> 00:05:26,640
Speaker 2: Yeah yeah, you know, as you do.

117
00:05:26,920 --> 00:05:28,919
Speaker 4: That's a the natural extension of England.

118
00:05:29,000 --> 00:05:31,040
Speaker 2: Yeah yeah. And I was sort of living hand to

119
00:05:31,080 --> 00:05:33,640
Speaker 2: mouth for most of it and slowly getting into that,

120
00:05:33,800 --> 00:05:36,880
Speaker 2: you know, the classic situation of you get given a

121
00:05:36,920 --> 00:05:39,279
Speaker 2: credit card when you're eighteen when you really probably shouldn't.

122
00:05:39,520 --> 00:05:41,520
Speaker 2: I don't know if I would now. I'd like to

123
00:05:41,520 --> 00:05:43,599
Speaker 2: think they've cracked down on lending enough that I probably

124
00:05:43,640 --> 00:05:46,279
Speaker 2: wouldn't qualify if I like if an eighteen year old

125
00:05:46,279 --> 00:05:47,560
Speaker 2: in the same situation tried it now.

126
00:05:47,640 --> 00:05:50,400
Speaker 4: So they used to send them out like happy eighteenth birthday,

127
00:05:50,440 --> 00:05:52,719
Speaker 4: You now qualify for a credit card, Like I remember

128
00:05:52,760 --> 00:05:54,599
Speaker 4: the day and I was like, sign me up. They'd

129
00:05:54,680 --> 00:05:55,760
Speaker 4: sign me up exactly.

130
00:05:55,960 --> 00:05:58,760
Speaker 2: Yeah, being like a Commonwealth Dolomite kid. Just you know,

131
00:05:58,800 --> 00:06:00,400
Speaker 2: they were like, here's a credit card. I was like, way, hey,

132
00:06:00,440 --> 00:06:03,800
Speaker 2: nine thousand dollars, let's go to your money. We Yeah,

133
00:06:03,839 --> 00:06:06,440
Speaker 2: And you know, it's the same old story. It just

134
00:06:06,480 --> 00:06:09,240
Speaker 2: sort of creeps up and creeps up until the interest

135
00:06:09,240 --> 00:06:11,320
Speaker 2: payments are getting to the point where they're making it

136
00:06:11,360 --> 00:06:13,039
Speaker 2: so you can never really get ahead. You're just sort

137
00:06:13,040 --> 00:06:15,320
Speaker 2: of paying off your interest. I shudder to think how

138
00:06:15,360 --> 00:06:17,320
Speaker 2: much I must have paid on credit card interest over

139
00:06:17,320 --> 00:06:17,640
Speaker 2: the years.

140
00:06:17,680 --> 00:06:18,640
Speaker 4: We didn't have a joke about it.

141
00:06:18,680 --> 00:06:21,560
Speaker 2: That's fine, Yeah, you know in your twenties. Yeah, you

142
00:06:21,560 --> 00:06:22,960
Speaker 2: are very like, well, what am I going to do

143
00:06:23,120 --> 00:06:25,320
Speaker 2: get into my thirties. I don't see that ever happening.

144
00:06:25,920 --> 00:06:27,599
Speaker 4: Yeah, absolutely not ill.

145
00:06:28,120 --> 00:06:29,560
Speaker 2: And then you know, by the time I was in

146
00:06:29,600 --> 00:06:33,159
Speaker 2: my thirties, ended up living in Melbourne, where I still am,

147
00:06:33,440 --> 00:06:35,200
Speaker 2: and yeah, the debt just really got on top of me.

148
00:06:35,240 --> 00:06:37,560
Speaker 2: I went back to UNI for a few years, and

149
00:06:38,760 --> 00:06:43,040
Speaker 2: I think it was so basically when we entered the pandemic,

150
00:06:43,320 --> 00:06:46,880
Speaker 2: I was I think about ten thousand dollars in debt

151
00:06:46,920 --> 00:06:49,120
Speaker 2: and I was working for a counsel at that point

152
00:06:49,160 --> 00:06:52,200
Speaker 2: on an okay salary, so I could kind of see

153
00:06:52,880 --> 00:06:54,840
Speaker 2: like it was going to be feasible to pay it off.

154
00:06:54,839 --> 00:06:56,160
Speaker 2: It was just going to be a lot of hard work.

155
00:06:56,839 --> 00:06:58,840
Speaker 2: And then I feel the most guilty about how much

156
00:06:58,920 --> 00:07:01,479
Speaker 2: the pandemic it helped me out, because I know for

157
00:07:01,520 --> 00:07:03,560
Speaker 2: so many people it was financially ruinous. You know, so

158
00:07:03,600 --> 00:07:06,320
Speaker 2: many businesses didn't make it. For me, it was kind

159
00:07:06,320 --> 00:07:09,120
Speaker 2: of the best thing that ever happened to my money situation.

160
00:07:09,520 --> 00:07:12,440
Speaker 2: I got a slightly better government job that was due

161
00:07:12,440 --> 00:07:15,560
Speaker 2: to start I think six days after the first Melbourne

162
00:07:15,600 --> 00:07:19,440
Speaker 2: lockdown started, so I'd sort of started from my living room.

163
00:07:19,600 --> 00:07:21,360
Speaker 2: But all of a sudden, my salary he because I've

164
00:07:21,360 --> 00:07:23,480
Speaker 2: gone from local government to state government, so my salary

165
00:07:23,560 --> 00:07:26,840
Speaker 2: jumped up oh like fifteen thousand at least, if not twenty.

166
00:07:27,440 --> 00:07:30,000
Speaker 2: So all of a sudden, I was earning more money

167
00:07:30,560 --> 00:07:32,360
Speaker 2: not able to spend it on anything.

168
00:07:32,480 --> 00:07:35,280
Speaker 4: During I feel like a lot of people benefited from that. Like,

169
00:07:35,320 --> 00:07:37,720
Speaker 4: don't get me wrong, it was horrific, but I feel

170
00:07:37,760 --> 00:07:40,040
Speaker 4: like for a lot of people it taught us a

171
00:07:40,120 --> 00:07:42,360
Speaker 4: lot about what we don't need to spend.

172
00:07:42,480 --> 00:07:45,440
Speaker 2: Yeah. Absolutely, It really like cleans the slate a bit

173
00:07:45,480 --> 00:07:47,000
Speaker 2: and makes you think about, yeah, what you spend your

174
00:07:47,000 --> 00:07:49,160
Speaker 2: money on just sort of reflexively, and what you would

175
00:07:49,200 --> 00:07:51,440
Speaker 2: have been doing and did you even like it that much?

176
00:07:52,000 --> 00:07:52,680
Speaker 4: Yeah?

177
00:07:52,760 --> 00:07:55,160
Speaker 2: Yeah. And also around the same time I had my

178
00:07:55,360 --> 00:07:59,280
Speaker 2: centlink Robodet paid back, I'd had one of the completely

179
00:07:59,640 --> 00:08:04,200
Speaker 2: bogue ones years earlier, when I'd basically gone from UNI

180
00:08:04,400 --> 00:08:06,720
Speaker 2: into quite a high paid job immediately, and so I'd

181
00:08:06,760 --> 00:08:09,520
Speaker 2: done half of the year on youth allowance and then

182
00:08:09,760 --> 00:08:12,480
Speaker 2: half of the year on a pretty decent salary. They

183
00:08:12,560 --> 00:08:16,680
Speaker 2: used income averaging to decide that I wasn't eligible for

184
00:08:16,680 --> 00:08:19,560
Speaker 2: the student payments based on my income, even though at

185
00:08:19,600 --> 00:08:22,040
Speaker 2: the time I was getting the student payments, I hadn't

186
00:08:22,080 --> 00:08:24,800
Speaker 2: had that income yet years of how time works.

187
00:08:24,920 --> 00:08:26,480
Speaker 4: That's why they had to pay it back, isn't it?

188
00:08:26,480 --> 00:08:28,880
Speaker 4: Because that was not the right way to go about things.

189
00:08:28,680 --> 00:08:30,880
Speaker 2: Because apparently I was supposed to be psychic and know

190
00:08:30,960 --> 00:08:32,640
Speaker 2: what my income was going to be for the rest

191
00:08:32,640 --> 00:08:32,960
Speaker 2: of the year.

192
00:08:33,000 --> 00:08:34,080
Speaker 4: Are you not a psychic?

193
00:08:34,320 --> 00:08:35,280
Speaker 2: It turns out I'm not.

194
00:08:35,360 --> 00:08:36,480
Speaker 4: Please get off the show.

195
00:08:36,600 --> 00:08:38,240
Speaker 2: And it was just that classic thing where you know,

196
00:08:38,440 --> 00:08:40,320
Speaker 2: you go to appeal it and they're like, there's no appeal.

197
00:08:40,440 --> 00:08:42,280
Speaker 2: This is done. So I think it was about seven

198
00:08:42,320 --> 00:08:45,120
Speaker 2: thousand dollars, and yeah, I was so cranky about it

199
00:08:45,120 --> 00:08:47,320
Speaker 2: that when I heard that there were rumblings of it

200
00:08:47,360 --> 00:08:49,760
Speaker 2: all being overturned, I joined a class action lawsuit and

201
00:08:49,760 --> 00:08:52,320
Speaker 2: I got paid back the full amount and a payout

202
00:08:52,360 --> 00:08:53,760
Speaker 2: as well, which I was happy about.

203
00:08:53,880 --> 00:08:54,800
Speaker 4: A money in.

204
00:08:55,280 --> 00:08:58,560
Speaker 2: Yeah, so this lump sum and then I'm putting away

205
00:08:58,559 --> 00:09:00,920
Speaker 2: money from my job and I paid off the credit

206
00:09:01,000 --> 00:09:03,120
Speaker 2: card the robodet in the settlement basically paid off my

207
00:09:03,200 --> 00:09:04,560
Speaker 2: entire credit card, and I was like, oh my god,

208
00:09:04,600 --> 00:09:08,040
Speaker 2: I'm at zero for the first time. And I just

209
00:09:08,040 --> 00:09:10,560
Speaker 2: started putting money away and putting money away, and yeah,

210
00:09:10,600 --> 00:09:12,480
Speaker 2: I realized as we sort of came out of it

211
00:09:12,480 --> 00:09:15,720
Speaker 2: that I had enough for a five percent deposit on

212
00:09:16,080 --> 00:09:20,439
Speaker 2: an apartment, which I wouldn't have normally done because it's

213
00:09:20,440 --> 00:09:23,640
Speaker 2: sort of a bit scary to have such a small deposit.

214
00:09:23,679 --> 00:09:25,000
Speaker 2: I just assumed I was going to have to pay

215
00:09:25,200 --> 00:09:28,439
Speaker 2: mortgage lenders insurance. But I was very lucky. I did

216
00:09:28,480 --> 00:09:30,560
Speaker 2: a lot of a lot of research, which is how

217
00:09:30,600 --> 00:09:32,880
Speaker 2: I started listening to this podcast in the first place,

218
00:09:32,960 --> 00:09:35,319
Speaker 2: just listening to every finance podcast I could get my

219
00:09:35,360 --> 00:09:38,959
Speaker 2: hands on, and you know, teaching myself stuff that wasn't

220
00:09:39,000 --> 00:09:41,120
Speaker 2: really taught to me growing up, like you know, how

221
00:09:41,160 --> 00:09:43,880
Speaker 2: homelands work and how property works. And was lucky enough

222
00:09:43,880 --> 00:09:47,680
Speaker 2: to get onto the Victorian government's Shared Equity Scheme, which

223
00:09:47,720 --> 00:09:50,200
Speaker 2: is a five percent deposit scheme where you don't have

224
00:09:50,240 --> 00:09:53,200
Speaker 2: to pay mortgage insurance. It's underwritten by the government, and

225
00:09:53,480 --> 00:09:55,880
Speaker 2: the government also kicks in twenty five percent of the

226
00:09:55,880 --> 00:09:58,160
Speaker 2: purchase price as a lump sum payment and just sort

227
00:09:58,200 --> 00:10:00,480
Speaker 2: of sits on the title as a co owner of

228
00:10:00,480 --> 00:10:02,439
Speaker 2: the property until you either buy the maul or sell

229
00:10:02,480 --> 00:10:05,880
Speaker 2: the property, which is amazing. And it's basically meant that

230
00:10:05,920 --> 00:10:08,000
Speaker 2: I was able to buy a one bedroom apartment that

231
00:10:08,040 --> 00:10:11,040
Speaker 2: I really loved, just a modest, little seventies old brick place.

232
00:10:11,240 --> 00:10:13,080
Speaker 4: Oh, the seventy for ones are the best. The rooms

233
00:10:13,120 --> 00:10:16,120
Speaker 4: are slightly bigger and the ceiling slightly higher.

234
00:10:16,320 --> 00:10:19,120
Speaker 2: Yes, separate kitchen, there's no on sweet bathroom. It's a

235
00:10:19,120 --> 00:10:21,840
Speaker 2: normal bathroom. Yeah, I really love it. You know, it's

236
00:10:21,920 --> 00:10:25,360
Speaker 2: falling apart in places, but we're fixing her up slowly,

237
00:10:26,400 --> 00:10:30,040
Speaker 2: but she is yours, yes, and she's well insulated. Yeah.

238
00:10:30,080 --> 00:10:32,040
Speaker 2: So it's just basically meant with the shared equity scheme

239
00:10:32,160 --> 00:10:35,800
Speaker 2: that I'm paying, I think my mortgage payments come to

240
00:10:35,840 --> 00:10:37,959
Speaker 2: about twelve or thirteen hundred dollars a month, which I

241
00:10:37,960 --> 00:10:39,479
Speaker 2: would be lucky.

242
00:10:39,240 --> 00:10:42,000
Speaker 4: To rent this apartment for That is so good.

243
00:10:42,160 --> 00:10:42,920
Speaker 2: Yeah, it's incredible.

244
00:10:42,960 --> 00:10:46,360
Speaker 4: You would be coughing that up for rent in Melbourne anyway.

245
00:10:46,240 --> 00:10:47,839
Speaker 2: Exactly, if not more, especially on.

246
00:10:47,760 --> 00:10:50,160
Speaker 4: A one bedroom apartment. Can you imagine how much that

247
00:10:50,240 --> 00:10:52,560
Speaker 4: would be each week for you on your own, like

248
00:10:52,600 --> 00:10:55,280
Speaker 4: you'd be at least two grand two grand a month,

249
00:10:55,360 --> 00:10:58,360
Speaker 4: at least I reckon like five hundred bucks a week maybe, ish,

250
00:10:58,480 --> 00:10:59,560
Speaker 4: I love that for you.

251
00:10:59,679 --> 00:11:02,320
Speaker 2: I had to basically share house up until the age

252
00:11:02,320 --> 00:11:04,760
Speaker 2: of I think thirty seven to sort of, you know,

253
00:11:04,840 --> 00:11:06,840
Speaker 2: keep putting that money away and make it work, which

254
00:11:06,920 --> 00:11:09,320
Speaker 2: was you know, you're reaching the end of your tether.

255
00:11:09,400 --> 00:11:12,040
Speaker 4: At that point you're like, look, I just didn't see

256
00:11:12,080 --> 00:11:14,800
Speaker 4: myself here, but now you're in your own property. Yeah.

257
00:11:14,880 --> 00:11:16,880
Speaker 2: Yeah, so I'm really I'm glad I did stick that out.

258
00:11:16,960 --> 00:11:19,120
Speaker 2: But you know that's I mean, so many people have

259
00:11:19,200 --> 00:11:21,160
Speaker 2: to rent in their thirties and forties now anyway, So

260
00:11:21,200 --> 00:11:22,920
Speaker 2: it's you know, I tried not to be ashamed of it.

261
00:11:23,000 --> 00:11:24,880
Speaker 4: No, we're not ashamed of it. But I feel like

262
00:11:24,920 --> 00:11:28,720
Speaker 4: we're allowed to have some expectations for ourselves that weren't met.

263
00:11:29,040 --> 00:11:30,960
Speaker 4: And you can go, oh, I'm a bit disappointed because

264
00:11:30,960 --> 00:11:33,719
Speaker 4: I'd hoped for myself that the reality would be a

265
00:11:33,720 --> 00:11:34,520
Speaker 4: little bit different.

266
00:11:34,679 --> 00:11:37,480
Speaker 2: Yeah, And there's just dignity in living alone, I think.

267
00:11:37,760 --> 00:11:41,840
Speaker 4: Yeah, like, and I think that it's a freedom of choice, right, Like,

268
00:11:42,040 --> 00:11:44,680
Speaker 4: I like that you had the choice, but sometimes we go,

269
00:11:44,800 --> 00:11:46,800
Speaker 4: this is just not what I wanted to choose, but

270
00:11:46,880 --> 00:11:49,120
Speaker 4: I can't do anything else about it. And I guess

271
00:11:49,160 --> 00:11:52,600
Speaker 4: that's why I'm so wildly passionate about financial litricy, because

272
00:11:53,080 --> 00:11:56,679
Speaker 4: without financial literacy, someone in your situation wouldn't have known

273
00:11:56,720 --> 00:11:59,920
Speaker 4: about the Victorian shared equity program and that you can

274
00:12:00,320 --> 00:12:03,439
Speaker 4: purchase and it can be a lot more supported, because

275
00:12:03,640 --> 00:12:05,360
Speaker 4: you might have just had your head in the sand

276
00:12:05,360 --> 00:12:07,080
Speaker 4: and been like I'm never going to buy, like this

277
00:12:07,200 --> 00:12:09,600
Speaker 4: is not my journey, Like this sucks, and you would

278
00:12:09,640 --> 00:12:12,480
Speaker 4: still be in a sharehouse. Not that there's again shame

279
00:12:12,520 --> 00:12:16,080
Speaker 4: in that, but like that would be the reality without research.

280
00:12:15,720 --> 00:12:17,920
Speaker 2: And most people don't want that, Yeah, exactly. Most people

281
00:12:17,960 --> 00:12:19,760
Speaker 2: want to be living in their own place. So yeah,

282
00:12:19,880 --> 00:12:21,760
Speaker 2: I try, and sort of it's hard because you want

283
00:12:21,760 --> 00:12:23,199
Speaker 2: to sort of tell people. You want to get the

284
00:12:23,240 --> 00:12:25,080
Speaker 2: word out, you know, I talk about it sometimes on

285
00:12:25,120 --> 00:12:27,160
Speaker 2: social media, try and get the word out, you know,

286
00:12:27,280 --> 00:12:30,600
Speaker 2: like this might be possible. You know, I'm single, I

287
00:12:30,600 --> 00:12:33,319
Speaker 2: don't have you know, family money going into this, like

288
00:12:33,360 --> 00:12:35,680
Speaker 2: it was possible for me. But it's also trying to

289
00:12:35,679 --> 00:12:37,320
Speaker 2: be sensitive of you know, the fact that we're like

290
00:12:37,360 --> 00:12:39,400
Speaker 2: in a rental crisis and just because it's possible for me,

291
00:12:39,400 --> 00:12:41,360
Speaker 2: it doesn't mean it's possible for everyone, but I am

292
00:12:41,400 --> 00:12:43,560
Speaker 2: sort of trying to get the word out to you know,

293
00:12:43,840 --> 00:12:45,400
Speaker 2: friends in similar situations.

294
00:12:45,559 --> 00:12:49,360
Speaker 4: Oh, girlfriend, you're preaching to the converted. Like I try

295
00:12:49,559 --> 00:12:52,120
Speaker 4: so hard to tread that line of going like I

296
00:12:52,200 --> 00:12:54,400
Speaker 4: don't want to offend people, but also I need to

297
00:12:54,440 --> 00:12:55,960
Speaker 4: share these facts because.

298
00:12:55,840 --> 00:12:59,280
Speaker 2: Two friends have been yeah, basically seen it and talked

299
00:12:59,240 --> 00:13:01,280
Speaker 2: to me about it and had the same realization of like,

300
00:13:01,320 --> 00:13:03,200
Speaker 2: oh wow, I actually could do this.

301
00:13:03,400 --> 00:13:05,400
Speaker 4: See that's why we talk about it.

302
00:13:05,360 --> 00:13:07,520
Speaker 2: Yeah, which is really nice. And you know, with all

303
00:13:07,559 --> 00:13:09,959
Speaker 2: the jobs that I've had, I'm pretty good at reading

304
00:13:10,200 --> 00:13:12,040
Speaker 2: contracts because I've done a lot of sort of government

305
00:13:12,080 --> 00:13:14,320
Speaker 2: jobs around councils and building and stuff, so I'm pretty

306
00:13:14,320 --> 00:13:16,679
Speaker 2: good at reading you know, section thirty twos and building

307
00:13:16,720 --> 00:13:19,560
Speaker 2: inspection reports. So I'm always offering to read those for

308
00:13:19,559 --> 00:13:22,040
Speaker 2: people to save money on conveyances and then just you know,

309
00:13:22,080 --> 00:13:24,720
Speaker 2: getting them to get the legalies checked. But you know,

310
00:13:24,720 --> 00:13:26,920
Speaker 2: i'll read their inspection reports, so I'll read their body

311
00:13:26,920 --> 00:13:28,200
Speaker 2: corporate AGM.

312
00:13:28,240 --> 00:13:30,640
Speaker 4: Note soul, you're and I kind of a friend to have.

313
00:13:31,000 --> 00:13:32,839
Speaker 2: I'll look things up on the work database on the

314
00:13:32,960 --> 00:13:35,280
Speaker 2: slide to make sure that you know the building permits

315
00:13:35,280 --> 00:13:36,480
Speaker 2: are in place and stuff.

316
00:13:36,840 --> 00:13:39,040
Speaker 4: I love that. So tell me, now, what do you

317
00:13:39,080 --> 00:13:41,120
Speaker 4: do for work? And how much money do you earn?

318
00:13:41,320 --> 00:13:43,839
Speaker 2: Yeah? Look, I mean obviously keeping this bit a bit.

319
00:13:44,040 --> 00:13:45,600
Speaker 2: I'm very open about stuff, but I feel like.

320
00:13:45,880 --> 00:13:47,880
Speaker 4: We can be a little bit sly. We don't have

321
00:13:48,000 --> 00:13:50,120
Speaker 4: to like, I know you've got a government job.

322
00:13:50,280 --> 00:13:52,480
Speaker 2: That might be enough exactly. Yeah, let's just say I

323
00:13:52,520 --> 00:13:56,520
Speaker 2: work for a stake of regulatory agency, just sort of

324
00:13:56,559 --> 00:14:01,200
Speaker 2: doing complaint management, looking into report lots of stuff and

325
00:14:01,360 --> 00:14:05,000
Speaker 2: checking out what needs to be regulated. I think my

326
00:14:05,360 --> 00:14:08,680
Speaker 2: base salary I should know this, it's somewhere around ninety five.

327
00:14:08,679 --> 00:14:10,839
Speaker 2: I just did my tax return finally yesterday, and I

328
00:14:10,880 --> 00:14:14,000
Speaker 2: think I think I hit one hundred and one on

329
00:14:14,160 --> 00:14:15,760
Speaker 2: salary last year, but a lot of that would have

330
00:14:15,800 --> 00:14:18,520
Speaker 2: been leaveloading because I use some long service leave on

331
00:14:18,559 --> 00:14:21,000
Speaker 2: top of my annual. So I think base salary is

332
00:14:21,040 --> 00:14:22,960
Speaker 2: somewhere between you know, ninety five and ninety eight.

333
00:14:23,000 --> 00:14:24,480
Speaker 4: I guess how good is that?

334
00:14:25,040 --> 00:14:26,640
Speaker 2: Yeah? I'm happy about that.

335
00:14:27,480 --> 00:14:29,600
Speaker 4: I mean, on the flip side, what are you earning

336
00:14:29,640 --> 00:14:30,240
Speaker 4: for comedy?

337
00:14:30,520 --> 00:14:34,320
Speaker 2: Yeah? So I'm I think of myself as a new comedian.

338
00:14:34,400 --> 00:14:36,360
Speaker 2: I think I've been doing it for nearly eight years now,

339
00:14:36,400 --> 00:14:39,720
Speaker 2: but that is in some ways still kind of new.

340
00:14:39,800 --> 00:14:41,880
Speaker 2: I think until you hit ten years you're sort of

341
00:14:41,920 --> 00:14:45,560
Speaker 2: still figuring it out. So I gig I guess between

342
00:14:45,560 --> 00:14:47,240
Speaker 2: like two and three times a week.

343
00:14:47,360 --> 00:14:48,840
Speaker 4: Oh my gosh, that's a lot.

344
00:14:49,120 --> 00:14:52,520
Speaker 2: Yeah, very tired. Just pub gigs around the place mostly,

345
00:14:52,600 --> 00:14:55,440
Speaker 2: And I do the Melbourne Comedy Festival every year, and

346
00:14:55,440 --> 00:14:58,600
Speaker 2: next year I'm going to expand and do Perth Fringe

347
00:14:58,640 --> 00:15:00,080
Speaker 2: first and then Melbourne.

348
00:15:00,280 --> 00:15:03,800
Speaker 4: That is so fun. And what does comedy pay like

349
00:15:03,840 --> 00:15:06,440
Speaker 4: if you're doing these side gigs, is it like I

350
00:15:06,480 --> 00:15:07,880
Speaker 4: don't know. I feel like a lot of the time

351
00:15:07,920 --> 00:15:10,040
Speaker 4: people will probably say, oh, you have to do these

352
00:15:10,080 --> 00:15:12,280
Speaker 4: free pub gigs to like cut your teeth and like

353
00:15:12,320 --> 00:15:14,160
Speaker 4: get your name out there. But at what point do

354
00:15:14,200 --> 00:15:14,760
Speaker 4: you get paid?

355
00:15:14,920 --> 00:15:16,880
Speaker 2: Yeah, Well it's tricky because it's like, you know, obviously

356
00:15:16,880 --> 00:15:18,320
Speaker 2: you don't want to work for free too much, but

357
00:15:18,400 --> 00:15:21,320
Speaker 2: also you are kind of rehearsing on stage as well.

358
00:15:21,400 --> 00:15:24,640
Speaker 2: So I think free gigs and working for free are

359
00:15:24,680 --> 00:15:27,320
Speaker 2: always going to be a part of the process for comedy,

360
00:15:27,360 --> 00:15:29,440
Speaker 2: and I think music and other sort of performing arts

361
00:15:29,480 --> 00:15:31,680
Speaker 2: in a way that they're not for something that you

362
00:15:31,760 --> 00:15:33,920
Speaker 2: can sit and refine in your bedroom because you know,

363
00:15:33,720 --> 00:15:36,040
Speaker 2: you're sort of taking first drafts on stage and you're

364
00:15:36,080 --> 00:15:38,080
Speaker 2: basically just asking the audience is this anything? And you

365
00:15:38,120 --> 00:15:40,280
Speaker 2: don't want to be doing that on a gig where

366
00:15:40,280 --> 00:15:42,040
Speaker 2: you're being paid one hundred dollars to be there.

367
00:15:42,120 --> 00:15:43,960
Speaker 4: Yeah, we're probably not going to do that for the

368
00:15:44,000 --> 00:15:47,560
Speaker 4: first time at a really big paid gig, right, Yeah. Yeah,

369
00:15:47,680 --> 00:15:49,200
Speaker 4: like it sounded funny in my head.

370
00:15:49,560 --> 00:15:54,360
Speaker 2: Yeah exactly. Yeah, you're just going, well, that's nothing that flock. Yeah,

371
00:15:54,400 --> 00:15:57,600
Speaker 2: but that's part of the process failing in public. And yeah,

372
00:15:57,600 --> 00:15:59,680
Speaker 2: so it's usually I guess the majority of them are

373
00:15:59,680 --> 00:16:03,040
Speaker 2: probably unpaid. The sort of bread and butter working material

374
00:16:03,120 --> 00:16:05,240
Speaker 2: at gigs. Some of them are sort of twenty bucks,

375
00:16:05,320 --> 00:16:07,960
Speaker 2: some of them are two drink cards, some of them

376
00:16:07,960 --> 00:16:11,560
Speaker 2: are more like fifty or there's a good comedy club

377
00:16:11,680 --> 00:16:14,640
Speaker 2: in Melbourne now called Comedy Republic, which is owned by

378
00:16:14,800 --> 00:16:17,600
Speaker 2: comedians and pays its artists well. And so that's I

379
00:16:17,640 --> 00:16:20,240
Speaker 2: think one hundred and fifty dollars for a sort of

380
00:16:20,280 --> 00:16:23,200
Speaker 2: standard ten minute spot, which is about as good as

381
00:16:23,200 --> 00:16:25,280
Speaker 2: it gets at my level. Yeah, but because I'm still

382
00:16:26,040 --> 00:16:27,720
Speaker 2: up and coming, I might only do that. You know,

383
00:16:27,720 --> 00:16:29,440
Speaker 2: twice or three times a year, like just a run

384
00:16:29,480 --> 00:16:33,280
Speaker 2: of three shows every weekend. So that's a little treat sometimes.

385
00:16:33,640 --> 00:16:37,560
Speaker 4: Yeah, that's cool though that these things exist to support you.

386
00:16:37,720 --> 00:16:41,160
Speaker 2: Yeah, but then the Comedy Festival is an entirely different

387
00:16:41,200 --> 00:16:43,480
Speaker 2: beast that I you know, I think Melbourne people are

388
00:16:43,520 --> 00:16:45,480
Speaker 2: so supportive of the Comedy Festival, which is great, and

389
00:16:45,520 --> 00:16:48,000
Speaker 2: a lot of them take a chance on a you know,

390
00:16:48,080 --> 00:16:50,120
Speaker 2: on up and coming artists and stuff, but they might

391
00:16:50,200 --> 00:16:53,840
Speaker 2: not be aware just how little people are either being

392
00:16:53,840 --> 00:16:57,560
Speaker 2: paid or how much they're effectively paying to be there

393
00:16:57,600 --> 00:16:59,640
Speaker 2: in the end if they're not you know, a bigger

394
00:16:59,680 --> 00:17:00,880
Speaker 2: artist in a bigger venue.

395
00:17:01,080 --> 00:17:02,920
Speaker 4: Really, what does that look like?

396
00:17:03,320 --> 00:17:07,000
Speaker 2: So registration for a standard show in the Comedy Festival,

397
00:17:07,000 --> 00:17:09,280
Speaker 2: which is usually going to be either ten shows for

398
00:17:09,320 --> 00:17:11,800
Speaker 2: half the festival or you know, more like twenty to

399
00:17:11,840 --> 00:17:15,720
Speaker 2: thirty over the whole festival, your registrations, I think it's

400
00:17:15,840 --> 00:17:17,679
Speaker 2: I think it's gone over five hundred dollars now or

401
00:17:17,680 --> 00:17:19,720
Speaker 2: it might be what d I think it's over five

402
00:17:19,760 --> 00:17:23,560
Speaker 2: hundred now just to register to be involved in the festival.

403
00:17:24,000 --> 00:17:25,760
Speaker 2: So that's just money that you pay to the festival

404
00:17:25,800 --> 00:17:26,560
Speaker 2: to participate.

405
00:17:26,680 --> 00:17:29,240
Speaker 4: Hey, this is your door fee, Yeah.

406
00:17:29,000 --> 00:17:32,000
Speaker 2: Pretty much. And you know, the comedy festivals are largely

407
00:17:32,040 --> 00:17:34,359
Speaker 2: not for profits, are usually incorporated as like not for

408
00:17:34,359 --> 00:17:36,920
Speaker 2: profit arts bodies, so it's not like they're you know,

409
00:17:37,080 --> 00:17:39,240
Speaker 2: they still run at a loss, I think can rely

410
00:17:39,320 --> 00:17:39,920
Speaker 2: on funding.

411
00:17:40,119 --> 00:17:43,560
Speaker 4: But yes, but comedians and artists are usually not for

412
00:17:43,640 --> 00:17:44,880
Speaker 4: profit exactly.

413
00:17:44,960 --> 00:17:48,640
Speaker 2: Yeah, I am also firmly not for profit. So you're

414
00:17:48,640 --> 00:17:51,280
Speaker 2: paying into the festival for the first place. My venue

415
00:17:51,320 --> 00:17:54,119
Speaker 2: in twenty twenty three was it was a guarantee of

416
00:17:54,119 --> 00:17:57,440
Speaker 2: fifteen hundred, so if you don't make fifteen hundred in

417
00:17:57,480 --> 00:18:00,280
Speaker 2: ticket sales, you'll owe the money. Oh, fifte hundred is

418
00:18:00,600 --> 00:18:03,439
Speaker 2: somewhat achievable. That was a thirty nine seed. But I

419
00:18:03,480 --> 00:18:06,359
Speaker 2: think they must have had some funding or something that

420
00:18:06,440 --> 00:18:08,280
Speaker 2: ran out over COVID, because then I had the exact

421
00:18:08,320 --> 00:18:11,240
Speaker 2: same venue this year, and it was three thousand dollars

422
00:18:11,280 --> 00:18:16,080
Speaker 2: guarantee of three thousand. What so, even after they took

423
00:18:16,119 --> 00:18:18,560
Speaker 2: out their guarantee of three thousand and then paid me

424
00:18:18,560 --> 00:18:20,879
Speaker 2: what was left over. I think my payout for the

425
00:18:20,920 --> 00:18:24,560
Speaker 2: festival was like one hundred and fifty dollars or something,

426
00:18:26,280 --> 00:18:28,200
Speaker 2: and then you know, the five hundred dollars on top

427
00:18:28,240 --> 00:18:30,560
Speaker 2: of that, and then you know, I paid for not

428
00:18:30,640 --> 00:18:32,440
Speaker 2: many because I think they're mostly useless, but I paid

429
00:18:32,440 --> 00:18:35,400
Speaker 2: for a few social media ads. My printing was over

430
00:18:35,440 --> 00:18:38,399
Speaker 2: one hundred dollars for posters and flyers, god what else

431
00:18:38,720 --> 00:18:42,480
Speaker 2: graphic design. Yeah, it's just it puts you well in

432
00:18:42,520 --> 00:18:44,919
Speaker 2: the hole unless you need to be either like selling

433
00:18:44,920 --> 00:18:48,040
Speaker 2: out every night or in a venue sort of probably

434
00:18:48,040 --> 00:18:51,879
Speaker 2: over about seventy five seeds and selling that well. Yeah,

435
00:18:51,920 --> 00:18:54,720
Speaker 2: and for that you usually need some sort of profile,

436
00:18:54,760 --> 00:18:57,120
Speaker 2: which used to just being on the TV, but these

437
00:18:57,200 --> 00:18:59,359
Speaker 2: days is either being on the TV or big online

438
00:18:59,440 --> 00:19:02,359
Speaker 2: and I am neither, And.

439
00:19:02,440 --> 00:19:05,480
Speaker 4: I mean that makes it hard. But that's because you

440
00:19:06,200 --> 00:19:08,520
Speaker 4: said before you're feeling like you're still at the start

441
00:19:08,560 --> 00:19:11,200
Speaker 4: of your journey. What does that look like into the future.

442
00:19:11,400 --> 00:19:13,520
Speaker 2: I don't know. I mean I've sort of been thinking

443
00:19:13,600 --> 00:19:16,720
Speaker 2: about that going into another festival and sort of feeling

444
00:19:16,760 --> 00:19:20,080
Speaker 2: like I'm plateaued a little bit. But you're always sort

445
00:19:20,080 --> 00:19:21,600
Speaker 2: of hoping that this will be a year, you know,

446
00:19:21,920 --> 00:19:24,840
Speaker 2: because the smallest thing can change it, like a really

447
00:19:24,880 --> 00:19:27,240
Speaker 2: good review in the Age, Like you'll see people go

448
00:19:27,359 --> 00:19:31,880
Speaker 2: into a festival run with like low ticket sales get

449
00:19:31,880 --> 00:19:33,199
Speaker 2: a five star review in the Age and then all

450
00:19:33,200 --> 00:19:34,119
Speaker 2: of a sudden they've sold out the.

451
00:19:34,119 --> 00:19:37,280
Speaker 4: Rest of their run, or yeah, good as they should.

452
00:19:37,040 --> 00:19:40,560
Speaker 2: An award nomination, or just just buzz in you know,

453
00:19:40,640 --> 00:19:44,200
Speaker 2: like that sort of hard to quantify, everyone's talking about

454
00:19:44,240 --> 00:19:47,080
Speaker 2: the show, sort of buzz that'll sort of bump you

455
00:19:47,119 --> 00:19:47,439
Speaker 2: up a bit.

456
00:19:47,520 --> 00:19:50,200
Speaker 4: Well, you let me know when your next show is happening,

457
00:19:50,280 --> 00:19:52,240
Speaker 4: and we can share it on She's on the Money,

458
00:19:52,520 --> 00:19:55,280
Speaker 4: and hopefully all of the She's on the Money community

459
00:19:55,320 --> 00:19:56,879
Speaker 4: will show up for someone in ow She's on the

460
00:19:56,880 --> 00:19:57,560
Speaker 4: Money community.

461
00:19:57,640 --> 00:20:00,000
Speaker 2: Yeah, I'm always trying to give away you know, compstant

462
00:20:00,000 --> 00:20:02,119
Speaker 2: people that I think might sort of talk about the show.

463
00:20:02,280 --> 00:20:04,120
Speaker 4: We don't want comps. We don't want it for free.

464
00:20:04,160 --> 00:20:05,760
Speaker 4: We pay for our community.

465
00:20:06,080 --> 00:20:08,879
Speaker 2: Well, you know, you can strategically comp and then you know,

466
00:20:09,160 --> 00:20:11,720
Speaker 2: then hope that they'll sort of like post an Instagram

467
00:20:11,760 --> 00:20:13,800
Speaker 2: story or something, because it really does you know, word

468
00:20:13,840 --> 00:20:16,400
Speaker 2: of mouth is the strongest seller I find.

469
00:20:16,200 --> 00:20:20,119
Speaker 4: One hundred percent. One hundred percent. So tell me. We

470
00:20:20,200 --> 00:20:22,280
Speaker 4: know you just bought your one bedroom apartment, which is

471
00:20:22,400 --> 00:20:24,639
Speaker 4: very exciting. What are your big money goals? What are

472
00:20:24,640 --> 00:20:25,800
Speaker 4: you currently working towards.

473
00:20:25,840 --> 00:20:28,560
Speaker 2: I guess my realistic money goal is that I would

474
00:20:28,560 --> 00:20:31,680
Speaker 2: just like to upgrade to a property with the second bedroom.

475
00:20:32,160 --> 00:20:36,160
Speaker 2: Small dreams. I'm just I just like a spare room.

476
00:20:36,160 --> 00:20:37,879
Speaker 2: Sort of working from home in my living room at

477
00:20:37,920 --> 00:20:40,439
Speaker 2: the moment because I just don't have a second space

478
00:20:40,480 --> 00:20:42,560
Speaker 2: to put a desk in and it kind of annoys

479
00:20:42,600 --> 00:20:45,359
Speaker 2: me that it takes up some of my living space. Yeah,

480
00:20:45,440 --> 00:20:47,680
Speaker 2: I think just upgrading my property would be a big one.

481
00:20:47,800 --> 00:20:51,120
Speaker 2: And I mean, my more sort of unrealistic goal would

482
00:20:51,160 --> 00:20:52,800
Speaker 2: be that I just love to be able to take

483
00:20:53,440 --> 00:20:56,560
Speaker 2: a chunk of time off work one day and just

484
00:20:56,720 --> 00:20:59,199
Speaker 2: focus on creative stuff for a while. A friend of

485
00:20:59,200 --> 00:21:02,640
Speaker 2: mine went megaviral just before we did a split show

486
00:21:02,680 --> 00:21:05,320
Speaker 2: in twenty twenty two and is now you know, quite

487
00:21:05,359 --> 00:21:07,359
Speaker 2: big online and was able to we used to do

488
00:21:07,400 --> 00:21:10,240
Speaker 2: really similar government jobs, and she was able to basically

489
00:21:10,240 --> 00:21:12,479
Speaker 2: take a year of unpaid leave from that job and

490
00:21:12,560 --> 00:21:16,119
Speaker 2: just tour and you know, make pretty decent money just

491
00:21:16,119 --> 00:21:18,480
Speaker 2: because she's got enough social media following to sort of

492
00:21:18,560 --> 00:21:20,000
Speaker 2: pull a crowd wherever she goes.

493
00:21:20,160 --> 00:21:21,480
Speaker 4: That is so cool.

494
00:21:21,680 --> 00:21:23,320
Speaker 2: And yeah, I mean, you know, I don't think I'm

495
00:21:23,320 --> 00:21:25,760
Speaker 2: going to go megaviral, but you know, it would just

496
00:21:25,800 --> 00:21:27,879
Speaker 2: be nice to have never say never, you never know,

497
00:21:28,119 --> 00:21:29,879
Speaker 2: just be nice to have enough of like a lump

498
00:21:29,920 --> 00:21:32,880
Speaker 2: of money to just be able to sort of pay

499
00:21:32,920 --> 00:21:36,960
Speaker 2: those expenses and just yeah, like gig and then I

500
00:21:37,000 --> 00:21:39,520
Speaker 2: have to get up for work the next day.

501
00:21:39,600 --> 00:21:39,720
Speaker 3: You know.

502
00:21:39,720 --> 00:21:42,760
Speaker 2: I had a gig and a dive bar last night

503
00:21:42,920 --> 00:21:45,800
Speaker 2: in Collingwood that was like going pretty okay, and I

504
00:21:45,800 --> 00:21:48,040
Speaker 2: did some new material and then I stayed to watch

505
00:21:48,040 --> 00:21:50,679
Speaker 2: the other acts. And during one of the acts, a

506
00:21:50,800 --> 00:21:53,240
Speaker 2: guy wandered in off the street. It was clearly in

507
00:21:53,280 --> 00:21:57,160
Speaker 2: some form of psychosis and wandered onto the stage, tried

508
00:21:57,160 --> 00:21:59,560
Speaker 2: to fight the comedian bar stuff had to come and

509
00:21:59,560 --> 00:22:02,399
Speaker 2: get him. I'm downstairs. We got barricaded upstairs for a

510
00:22:02,400 --> 00:22:05,040
Speaker 2: while while he screamed a bunch of walls downstairs.

511
00:22:05,600 --> 00:22:06,280
Speaker 4: Oh my god.

512
00:22:06,520 --> 00:22:08,840
Speaker 2: It's not always a glamorous business.

513
00:22:09,119 --> 00:22:12,000
Speaker 4: No, that doesn't sound like you're not selling it to me.

514
00:22:12,320 --> 00:22:13,879
Speaker 4: At the start, I was like, maybe I could be

515
00:22:13,920 --> 00:22:16,240
Speaker 4: a comedian. I'm not funny, but this might work for me.

516
00:22:16,680 --> 00:22:19,080
Speaker 4: No chance, not that glam I mean, good on you.

517
00:22:19,200 --> 00:22:23,280
Speaker 4: But also I feel like this is such an area

518
00:22:23,320 --> 00:22:25,920
Speaker 4: that needs so much more support. Like we talk about

519
00:22:25,960 --> 00:22:30,120
Speaker 4: creatives and comedians and like, you know, just artists in general.

520
00:22:30,560 --> 00:22:33,760
Speaker 4: They're usually people just like you who have full time,

521
00:22:33,960 --> 00:22:36,800
Speaker 4: very serious jobs, who are doing this after hours because

522
00:22:36,800 --> 00:22:39,800
Speaker 4: it's their passion. Whereas I think that when you go

523
00:22:39,840 --> 00:22:41,600
Speaker 4: to like the comedy show, you go, oh, I've never

524
00:22:41,640 --> 00:22:43,640
Speaker 4: heard of this comedian. She must do this all the time.

525
00:22:43,680 --> 00:22:46,160
Speaker 4: I've just never seen her before. No, it's because she's

526
00:22:46,200 --> 00:22:46,639
Speaker 4: at work.

527
00:22:46,760 --> 00:22:48,439
Speaker 2: And you see those people sitting in the crowd and

528
00:22:48,480 --> 00:22:50,400
Speaker 2: you think, oh, wow, look they're selling tickets. They must

529
00:22:50,400 --> 00:22:53,760
Speaker 2: be doing really well. And you're like, oh, actually, and

530
00:22:53,800 --> 00:22:55,679
Speaker 2: I think, you know, we've come a long way in

531
00:22:55,840 --> 00:22:58,080
Speaker 2: creative industries in terms of how we talk about like,

532
00:22:58,080 --> 00:23:01,000
Speaker 2: you know, diversity and representation, which is really good, but

533
00:23:01,240 --> 00:23:03,280
Speaker 2: I think so much of it is focused on like

534
00:23:03,560 --> 00:23:07,600
Speaker 2: visible representation, you know, like representation of people from different groups.

535
00:23:07,600 --> 00:23:09,920
Speaker 2: But one thing that I find is often left out

536
00:23:09,920 --> 00:23:13,479
Speaker 2: of the conversation is like class representation, and you know,

537
00:23:13,640 --> 00:23:16,240
Speaker 2: diversity of financial backgrounds, because a lot of the time

538
00:23:16,760 --> 00:23:19,200
Speaker 2: the people that you see who are from diverse backgrounds

539
00:23:19,200 --> 00:23:23,320
Speaker 2: are also from area financially secure backgrounds. And you know,

540
00:23:23,359 --> 00:23:24,920
Speaker 2: it's not like you can sort of buy your way

541
00:23:24,960 --> 00:23:27,000
Speaker 2: into comedy, though there's plenty of things that you can

542
00:23:27,119 --> 00:23:29,280
Speaker 2: pay for that will help you, like a good publicist

543
00:23:29,400 --> 00:23:31,520
Speaker 2: or you know, ads on the side of a tram,

544
00:23:31,600 --> 00:23:34,440
Speaker 2: all that sort of thing. But there's also just those intangibles,

545
00:23:34,480 --> 00:23:37,120
Speaker 2: like the fact that you know a lot of because

546
00:23:37,400 --> 00:23:38,879
Speaker 2: I'm a bit older than a lot of comedians. I

547
00:23:38,880 --> 00:23:41,040
Speaker 2: started at thirty one, and so a lot of my

548
00:23:41,280 --> 00:23:43,960
Speaker 2: colleagues are in their twenties. And you know, you're just

549
00:23:43,960 --> 00:23:45,239
Speaker 2: going to have an easier time of it if your

550
00:23:45,240 --> 00:23:47,080
Speaker 2: parents have a nice, big house with a spare room

551
00:23:47,119 --> 00:23:49,520
Speaker 2: and you can live at home so that you only

552
00:23:49,560 --> 00:23:51,879
Speaker 2: need to work part time or even not work. You know,

553
00:23:51,920 --> 00:23:53,639
Speaker 2: some of them don't work at all because they're families

554
00:23:53,640 --> 00:23:56,199
Speaker 2: just bankrolling them. And you can do six gigs a

555
00:23:56,200 --> 00:23:58,000
Speaker 2: week because you've got the time and the energy, and

556
00:23:58,040 --> 00:24:00,800
Speaker 2: you don't have to be up first thing, a meeting

557
00:24:00,920 --> 00:24:04,359
Speaker 2: after the gig where you got barricaded into a pub.

558
00:24:04,640 --> 00:24:06,399
Speaker 4: Yeah, and you've got to put your big girl pants

559
00:24:06,440 --> 00:24:09,320
Speaker 4: on and be like, oh, yes, very serious business discussion.

560
00:24:09,359 --> 00:24:12,040
Speaker 2: Yes, yes, I'm not hungover. Why would you think that?

561
00:24:12,520 --> 00:24:15,520
Speaker 4: Why would you say that? Don't come here and attack me.

562
00:24:15,800 --> 00:24:18,520
Speaker 2: I needed a couple of wines after the Spicy Man incident.

563
00:24:19,200 --> 00:24:21,200
Speaker 4: Oh mate, I would have needed more than a couple

564
00:24:21,240 --> 00:24:24,960
Speaker 4: of wines. Oh I love this. All right, let's go

565
00:24:24,960 --> 00:24:26,520
Speaker 4: to a really quick break on the flint side. I

566
00:24:26,600 --> 00:24:29,000
Speaker 4: want to discuss investing. I want to talk more about

567
00:24:29,000 --> 00:24:31,520
Speaker 4: your debt journey and then your best and worst money habits.

568
00:24:31,520 --> 00:24:38,080
Speaker 4: So guys that don't go anywhere, all right, money drest.

569
00:24:38,160 --> 00:24:40,480
Speaker 4: We are back and you have just purchased your very

570
00:24:40,520 --> 00:24:43,920
Speaker 4: first one bedroom apartment. You already want to upgrade, which

571
00:24:43,920 --> 00:24:46,320
Speaker 4: I totally get. I feel like having a second bedroom

572
00:24:46,400 --> 00:24:49,120
Speaker 4: just gives you more space for activities. But I want

573
00:24:49,119 --> 00:24:51,479
Speaker 4: to know what are your thoughts on investment. What are

574
00:24:51,480 --> 00:24:54,240
Speaker 4: you doing in that space? Is it something you've thought about,

575
00:24:54,400 --> 00:24:57,119
Speaker 4: is it something that you're actively doing? Now? What's your story?

576
00:24:57,240 --> 00:25:00,320
Speaker 2: Yeah, it's definitely something I'd like to do more more of.

577
00:25:00,520 --> 00:25:03,800
Speaker 2: I mean, like so many dedicated She's on the money lists.

578
00:25:03,880 --> 00:25:07,760
Speaker 2: I got myself the Chasa's app after after learning about it,

579
00:25:07,800 --> 00:25:10,200
Speaker 2: and you know, cult is culting. Yeah, And I always

580
00:25:10,240 --> 00:25:12,879
Speaker 2: explain it to people like I think you explained it

581
00:25:12,960 --> 00:25:15,480
Speaker 2: on the show or the person from Chazy's, which is

582
00:25:15,520 --> 00:25:17,359
Speaker 2: that like it's not necessarily a way that you're going

583
00:25:17,400 --> 00:25:20,200
Speaker 2: to make yourself rich, but it's a really good way

584
00:25:20,280 --> 00:25:23,040
Speaker 2: to just teach yourself, Like how it works, and just

585
00:25:23,080 --> 00:25:25,159
Speaker 2: sort of develop tolerance to risks. Like I think it

586
00:25:25,240 --> 00:25:27,320
Speaker 2: was really helpful to sort of start during a time

587
00:25:27,359 --> 00:25:29,720
Speaker 2: when the market was quite volatile. You know, put like

588
00:25:29,720 --> 00:25:32,159
Speaker 2: one hundred dollars on and immediately lose half of it

589
00:25:32,680 --> 00:25:35,560
Speaker 2: and just like realize, oh, that feels bad. But if

590
00:25:35,600 --> 00:25:39,160
Speaker 2: I just wait, its bounces back and just realize that, like, yeah,

591
00:25:39,280 --> 00:25:41,879
Speaker 2: just develop that like emotional tolerance to the ups and

592
00:25:41,920 --> 00:25:42,679
Speaker 2: downs of the market.

593
00:25:42,880 --> 00:25:45,080
Speaker 4: Yeah, And you really need that. I think there's this

594
00:25:45,119 --> 00:25:47,919
Speaker 4: big misconception investing that you need to kind of invest

595
00:25:47,960 --> 00:25:50,720
Speaker 4: your life savings and see what happens. I just can't

596
00:25:50,760 --> 00:25:53,040
Speaker 4: agree with that, Like I just go, I wouldn't do

597
00:25:53,119 --> 00:25:55,600
Speaker 4: it because I am a bit risk averse. But at

598
00:25:55,640 --> 00:25:58,520
Speaker 4: the same time, now I have an investment portfolio and

599
00:25:58,600 --> 00:26:00,640
Speaker 4: people will be like, oh my gosh, that's so crazy.

600
00:26:00,680 --> 00:26:03,800
Speaker 4: But it's like from these little things, my confidence has

601
00:26:03,800 --> 00:26:07,439
Speaker 4: grown and I understand how to emotionally respond to these things.

602
00:26:07,600 --> 00:26:10,679
Speaker 4: And I just you need that education. I mean, you

603
00:26:10,720 --> 00:26:13,879
Speaker 4: can make yourself wealthy on an investing platform too, but

604
00:26:14,040 --> 00:26:16,359
Speaker 4: like from the get go, I think if you approach

605
00:26:16,400 --> 00:26:19,119
Speaker 4: it with a I'm going to just give myself the

606
00:26:19,160 --> 00:26:21,879
Speaker 4: financial literacy and I'm going to play around with you know,

607
00:26:21,960 --> 00:26:25,040
Speaker 4: ten bucks or something and see where it goes. That's

608
00:26:25,080 --> 00:26:26,320
Speaker 4: what starts to build wealth.

609
00:26:26,400 --> 00:26:28,159
Speaker 2: Yeah, and so I sort of built it up from

610
00:26:28,200 --> 00:26:30,520
Speaker 2: my initial you know, I think one hundred I just

611
00:26:30,680 --> 00:26:32,800
Speaker 2: sat there with for a while, and then I think

612
00:26:32,800 --> 00:26:35,840
Speaker 2: I've got about thirty one hundred in there at the moment.

613
00:26:35,880 --> 00:26:38,119
Speaker 2: Mostly just look at you go. Yeah, it just mostly

614
00:26:38,160 --> 00:26:40,960
Speaker 2: just on ETFs and then a few just little random

615
00:26:40,960 --> 00:26:42,320
Speaker 2: ones because I just wanted to see if I could

616
00:26:42,359 --> 00:26:42,840
Speaker 2: pick a winner.

617
00:26:43,520 --> 00:26:45,760
Speaker 4: I love that because that's very me coded.

618
00:26:45,920 --> 00:26:48,560
Speaker 2: Yeah. So I've got my fun ones that are more

619
00:26:48,760 --> 00:26:51,479
Speaker 2: volatile because I kind of enjoy watching them go all

620
00:26:51,480 --> 00:26:53,320
Speaker 2: over the place. And then most of it's just in

621
00:26:53,359 --> 00:26:54,280
Speaker 2: the ETFs. Yeah.

622
00:26:54,280 --> 00:26:56,600
Speaker 4: We call that a core satellite approach. If you want

623
00:26:56,600 --> 00:26:58,879
Speaker 4: to sound really fancy, you go, so if people are

624
00:26:58,920 --> 00:27:00,679
Speaker 4: talking to you, you can be like, yeah, well actually

625
00:27:00,680 --> 00:27:02,919
Speaker 4: I invest on Chaisa's and I have a call satellite approach,

626
00:27:02,960 --> 00:27:04,720
Speaker 4: and they'll be like, wow, she knows how shit.

627
00:27:04,600 --> 00:27:06,920
Speaker 2: I have a strategy exactly.

628
00:27:06,960 --> 00:27:08,480
Speaker 4: That's a legit strategy though.

629
00:27:08,720 --> 00:27:11,040
Speaker 2: Yeah. So that's the only real investment that I have

630
00:27:11,080 --> 00:27:12,960
Speaker 2: because apart from that, I have an offset account on

631
00:27:13,000 --> 00:27:15,879
Speaker 2: my mortgage, and you know, my very basic version of

632
00:27:15,880 --> 00:27:17,760
Speaker 2: crunching the numbers, that seems to be one of the

633
00:27:17,760 --> 00:27:20,760
Speaker 2: best places to have money. At the moment, I've got

634
00:27:20,960 --> 00:27:23,879
Speaker 2: I think about twenty thousand in my offset. At the

635
00:27:23,920 --> 00:27:26,680
Speaker 2: moment it was more, but I've just had to pay flights,

636
00:27:26,720 --> 00:27:29,199
Speaker 2: regio and publicist for birth. So it's twindled a.

637
00:27:29,160 --> 00:27:32,280
Speaker 4: Little, yes, but at least you had the money there.

638
00:27:32,320 --> 00:27:34,800
Speaker 4: Otherwise that wouldn't be an option. And I mean, can

639
00:27:34,800 --> 00:27:36,840
Speaker 4: we just flash back a little bit, because you said

640
00:27:36,880 --> 00:27:40,359
Speaker 4: for fifteen years you carried debt, but last year you

641
00:27:40,440 --> 00:27:43,359
Speaker 4: finally purchased your first property. Now you're a property owner.

642
00:27:43,440 --> 00:27:45,720
Speaker 4: You've got like twenty grand in your offset. You just

643
00:27:45,800 --> 00:27:48,600
Speaker 4: paid for a tour, like you've got three one thousand

644
00:27:48,800 --> 00:27:51,520
Speaker 4: ish dollars in investing. Be for real. That is a

645
00:27:51,520 --> 00:27:52,000
Speaker 4: glow up.

646
00:27:52,119 --> 00:27:54,000
Speaker 2: Yeah, And that money is also just there, you know,

647
00:27:54,040 --> 00:27:56,160
Speaker 2: because I've only got like, I don't really have insurance

648
00:27:56,160 --> 00:27:58,800
Speaker 2: on my apartment because so much of it's just covered

649
00:27:58,800 --> 00:28:01,840
Speaker 2: by the building insurance, the strata insurance, so it's just

650
00:28:01,880 --> 00:28:04,359
Speaker 2: there in case the pipe bursts and floods, the neighbor

651
00:28:04,520 --> 00:28:07,359
Speaker 2: or you know, we get slept with a building notice

652
00:28:07,400 --> 00:28:09,240
Speaker 2: and have to put a new roof on or something.

653
00:28:09,320 --> 00:28:10,480
Speaker 2: It's just nice to know I've got that.

654
00:28:10,520 --> 00:28:13,320
Speaker 4: Got some cash there. I love this. I love it

655
00:28:13,520 --> 00:28:17,640
Speaker 4: so much. Absolutely, tell me about your superannuation. What does

656
00:28:17,720 --> 00:28:19,800
Speaker 4: that look like? Is it something that you focus on.

657
00:28:19,960 --> 00:28:22,320
Speaker 2: I don't think I have that much. I've just looked

658
00:28:22,359 --> 00:28:25,720
Speaker 2: it up on Micah. I've got eighty seven thousand, which

659
00:28:25,720 --> 00:28:26,399
Speaker 2: I'm not sure if you.

660
00:28:26,359 --> 00:28:29,360
Speaker 4: Don't think I have that much, has eighty seven thousand dollars,

661
00:28:29,480 --> 00:28:30,720
Speaker 4: that's a good amount.

662
00:28:31,040 --> 00:28:32,800
Speaker 2: I'm thirty nine, so I'm not sure if that's good

663
00:28:32,840 --> 00:28:33,000
Speaker 2: or not.

664
00:28:33,200 --> 00:28:36,320
Speaker 4: Yes, but like you've been working your butt off and

665
00:28:36,359 --> 00:28:38,560
Speaker 4: you've got a good amount of super over time that's

666
00:28:38,600 --> 00:28:41,760
Speaker 4: gonna compound. Like this is looking good.

667
00:28:41,960 --> 00:28:44,360
Speaker 2: Yeah. I think I was behind for quite a while,

668
00:28:44,400 --> 00:28:45,960
Speaker 2: just because I spent so much of my twenties either

669
00:28:46,120 --> 00:28:49,880
Speaker 2: overseas or studying or working under the table, and it

670
00:28:50,000 --> 00:28:51,760
Speaker 2: was like a pitiful amount for a while. But yeah,

671
00:28:51,760 --> 00:28:53,600
Speaker 2: I guess I've been doing government jobs for a while.

672
00:28:53,600 --> 00:28:56,840
Speaker 2: But pay a good, good amount of super. Yeah, so

673
00:28:56,880 --> 00:28:58,040
Speaker 2: it's not too bad.

674
00:28:58,280 --> 00:29:00,440
Speaker 4: I love that for you. Talk to me about debt.

675
00:29:00,680 --> 00:29:02,719
Speaker 4: So what type of debt do you currently have on

676
00:29:02,760 --> 00:29:05,560
Speaker 4: this property? And will you ever go into personal debt again.

677
00:29:06,040 --> 00:29:08,400
Speaker 2: So I've got one hundred and ninety or two one

678
00:29:08,480 --> 00:29:11,720
Speaker 2: hundred thousand debt on the property, which isn't too bad

679
00:29:11,840 --> 00:29:15,200
Speaker 2: thanks for the shared equity of the government. The purchase

680
00:29:15,200 --> 00:29:18,480
Speaker 2: price was about three hundred and twenty and so yeah,

681
00:29:18,560 --> 00:29:21,240
Speaker 2: not having that full amount in debt it's nice. I mean,

682
00:29:21,280 --> 00:29:22,800
Speaker 2: you know, it still has to be paid back eventually,

683
00:29:22,880 --> 00:29:24,720
Speaker 2: but it can just be paid back when you sell

684
00:29:24,720 --> 00:29:26,400
Speaker 2: the property. It can just be sort of divvied out,

685
00:29:26,760 --> 00:29:29,080
Speaker 2: which is great. So yeah, I don't mind that debt.

686
00:29:29,160 --> 00:29:32,920
Speaker 2: It is manageable. You know, interest rates touch would probably

687
00:29:32,920 --> 00:29:34,200
Speaker 2: aren't going to get much worse. So if I can

688
00:29:34,200 --> 00:29:37,320
Speaker 2: manage it now, I can manage in the future. I

689
00:29:37,320 --> 00:29:40,920
Speaker 2: have a HEX debt of I think it's around thirty

690
00:29:41,040 --> 00:29:45,200
Speaker 2: thousand still left, which I know in theory is good debt.

691
00:29:45,320 --> 00:29:48,360
Speaker 2: I actually do kind of regret my hex debt. I

692
00:29:48,400 --> 00:29:51,760
Speaker 2: particularly regret the initial Bachelor of Arts that I got

693
00:29:51,880 --> 00:29:53,920
Speaker 2: in my twenties. I went to Union when I was

694
00:29:54,040 --> 00:29:57,640
Speaker 2: I think eighteen, and yeah, I kind of do actually

695
00:29:57,640 --> 00:30:00,160
Speaker 2: regret going to UNI. And I would like if I

696
00:30:00,200 --> 00:30:02,160
Speaker 2: was talking to someone in that position and that age now,

697
00:30:02,200 --> 00:30:05,520
Speaker 2: I would tell them to you know, think hard about

698
00:30:05,640 --> 00:30:07,680
Speaker 2: UNI if they're not going for a really specific like

699
00:30:07,800 --> 00:30:11,400
Speaker 2: vocational course, or they couldn't tell you exactly why they're

700
00:30:11,440 --> 00:30:14,120
Speaker 2: getting the degree. And you know, my parents have said

701
00:30:14,200 --> 00:30:16,600
Speaker 2: since that they feel a little guilty that they just

702
00:30:16,720 --> 00:30:18,440
Speaker 2: kind of didn't push me to go to UNI with

703
00:30:18,520 --> 00:30:20,640
Speaker 2: something I wanted, but that it didn't occur to them

704
00:30:20,680 --> 00:30:22,520
Speaker 2: to say, you know, are you sure this is a

705
00:30:22,520 --> 00:30:23,320
Speaker 2: good idea.

706
00:30:23,040 --> 00:30:24,360
Speaker 4: Because you don't have to do this.

707
00:30:24,680 --> 00:30:27,120
Speaker 2: Yeah. They came from like, you know, the free UNI generation,

708
00:30:27,240 --> 00:30:29,640
Speaker 2: and it really like friends and I've talked about how

709
00:30:29,680 --> 00:30:32,400
Speaker 2: it was so sold to us as just like, you know,

710
00:30:32,800 --> 00:30:34,200
Speaker 2: just a debt that sits there in the background you

711
00:30:34,200 --> 00:30:35,680
Speaker 2: don't even really have to think about. And then you

712
00:30:35,680 --> 00:30:37,640
Speaker 2: look at how much actually is coming out of your

713
00:30:37,680 --> 00:30:40,240
Speaker 2: salary on your HEX repayments, and you're like, oh, wow,

714
00:30:40,360 --> 00:30:43,280
Speaker 2: I could be living a much easier life if I

715
00:30:43,280 --> 00:30:43,840
Speaker 2: didn't have that.

716
00:30:44,320 --> 00:30:46,400
Speaker 4: Yeah, it's a lot, and I feel like you really

717
00:30:46,440 --> 00:30:48,560
Speaker 4: need to think about it. I think there's this assumption

718
00:30:48,600 --> 00:30:51,000
Speaker 4: that if you go to UNI, you'll automatically do better,

719
00:30:51,040 --> 00:30:53,240
Speaker 4: and that's just not the reality of the situation.

720
00:30:53,320 --> 00:30:56,280
Speaker 2: Yeah, because I'm working you know, administrative clerical jobs, or

721
00:30:56,320 --> 00:30:58,280
Speaker 2: sort of things that are bachelor's isn't the worst thing

722
00:30:58,320 --> 00:31:01,000
Speaker 2: for But the way that I got and in my

723
00:31:01,120 --> 00:31:04,120
Speaker 2: specific field was sort of you know, working up the

724
00:31:04,200 --> 00:31:07,000
Speaker 2: chain of just like crappy call centers all the way

725
00:31:07,040 --> 00:31:09,960
Speaker 2: up to government and those first jobs I did, you

726
00:31:10,000 --> 00:31:12,440
Speaker 2: know that were paying me probably meant less than minimum

727
00:31:12,440 --> 00:31:15,440
Speaker 2: wage awful call centers I worked in. You didn't need

728
00:31:15,440 --> 00:31:17,560
Speaker 2: a degree to work that. You barely needed a pulse

729
00:31:17,600 --> 00:31:19,360
Speaker 2: to work there. You barely.

730
00:31:21,320 --> 00:31:23,560
Speaker 4: They're like, wow, you show up on time. That is

731
00:31:23,640 --> 00:31:24,680
Speaker 4: going above and.

732
00:31:24,560 --> 00:31:28,320
Speaker 2: Beyonright, yeah, so I actually think I could have gotten

733
00:31:28,520 --> 00:31:32,840
Speaker 2: exactly where I am now without the Bachelor of Arts

734
00:31:32,840 --> 00:31:33,520
Speaker 2: in philosophy.

735
00:31:34,240 --> 00:31:36,640
Speaker 4: Oh yeah, that was very important.

736
00:31:36,280 --> 00:31:38,360
Speaker 2: Right, yeah, so you know, it is what it is.

737
00:31:38,400 --> 00:31:39,000
Speaker 2: You're living your.

738
00:31:38,960 --> 00:31:40,960
Speaker 4: Learn We had fun along the way.

739
00:31:41,160 --> 00:31:43,960
Speaker 2: So it's only those two debts, and no, I will

740
00:31:43,960 --> 00:31:46,040
Speaker 2: not ever go back into personal debt. I keep my

741
00:31:46,040 --> 00:31:49,200
Speaker 2: credit card just because it's handy, but I'm very, very

742
00:31:49,240 --> 00:31:51,320
Speaker 2: militant about paying it off every fortnight.

743
00:31:51,440 --> 00:31:54,200
Speaker 4: So very good. All right, Well tell me what is

744
00:31:54,240 --> 00:31:55,440
Speaker 4: your best money habit.

745
00:31:55,560 --> 00:31:58,520
Speaker 2: Well I thought about this because you know, obviously you

746
00:31:58,520 --> 00:32:01,480
Speaker 2: your mind goes to, oh, I'm pretty thrifty and I

747
00:32:01,520 --> 00:32:04,360
Speaker 2: love a bug and all that sort of thing, and

748
00:32:04,400 --> 00:32:06,240
Speaker 2: yet I do have some good money habits. I don't

749
00:32:06,400 --> 00:32:09,880
Speaker 2: buy many clothes, you know, I try to cook food

750
00:32:09,880 --> 00:32:12,720
Speaker 2: and not by too much takeaway that sort of thing.

751
00:32:12,840 --> 00:32:15,880
Speaker 2: But I think realistically, my best money habit has just

752
00:32:15,960 --> 00:32:21,240
Speaker 2: been being quite strategic about trying to get where I

753
00:32:21,280 --> 00:32:24,160
Speaker 2: am in my jobs, just to maximize my earning potential

754
00:32:24,200 --> 00:32:26,160
Speaker 2: because I'm not you know, they call me crazy. I'm

755
00:32:26,160 --> 00:32:31,200
Speaker 2: not passionate about you know, government regulation. It doesn't you know,

756
00:32:31,320 --> 00:32:34,040
Speaker 2: fire my soul up or anything. But you know, I

757
00:32:34,080 --> 00:32:36,120
Speaker 2: did make a conscious decision, you know, around the time

758
00:32:36,160 --> 00:32:38,840
Speaker 2: that I started performing and doing improv in theater and

759
00:32:38,880 --> 00:32:41,080
Speaker 2: stuff like that. Yeah, I took what was a little

760
00:32:41,120 --> 00:32:43,080
Speaker 2: pay cut at the time to go from working a

761
00:32:43,120 --> 00:32:46,320
Speaker 2: pretty stressful job at an ombudsman to working at a

762
00:32:46,360 --> 00:32:49,400
Speaker 2: council But because I knew that government would be more

763
00:32:49,600 --> 00:32:51,680
Speaker 2: stable and it's a bit more sort of you know,

764
00:32:52,080 --> 00:32:54,440
Speaker 2: once you're in the door with government, it's usually pretty

765
00:32:54,480 --> 00:32:55,200
Speaker 2: easy to move around.

766
00:32:55,320 --> 00:32:57,840
Speaker 4: So I like to move people around, which they don't

767
00:32:57,920 --> 00:33:00,360
Speaker 4: like to really take on new hires if they don't

768
00:33:00,440 --> 00:33:00,719
Speaker 4: have to.

769
00:33:00,880 --> 00:33:03,240
Speaker 2: Yeah, so I kind of consciously took like a technically

770
00:33:03,280 --> 00:33:05,520
Speaker 2: a step backwards to just do customer service at a council.

771
00:33:05,600 --> 00:33:07,720
Speaker 2: But I was there for five years, and over that

772
00:33:07,760 --> 00:33:09,800
Speaker 2: time I was able to do secondments all over the

773
00:33:09,800 --> 00:33:12,960
Speaker 2: place in the raids department, the building department, and start

774
00:33:12,960 --> 00:33:16,040
Speaker 2: to gather these sort of concrete skills and learn all

775
00:33:16,080 --> 00:33:19,200
Speaker 2: this sort of really specific subject matter, which then enabled

776
00:33:19,200 --> 00:33:22,880
Speaker 2: me to move into state government in related roles because

777
00:33:22,880 --> 00:33:25,960
Speaker 2: I had the subject matter experience. And yeah, so.

778
00:33:26,160 --> 00:33:29,640
Speaker 4: That's cool, that's very cool. You've been strategic about it.

779
00:33:29,720 --> 00:33:31,720
Speaker 2: Yeah, and I think otherwise I don't think i'd be

780
00:33:31,920 --> 00:33:34,000
Speaker 2: on the salary that I'm on Now.

781
00:33:34,120 --> 00:33:36,720
Speaker 4: You've got a good salary, and like, that's pretty good.

782
00:33:36,800 --> 00:33:38,800
Speaker 4: So do you enjoy the work that you do now?

783
00:33:38,800 --> 00:33:39,360
Speaker 2: Not really?

784
00:33:39,560 --> 00:33:43,320
Speaker 4: Honestly, sorry, I are, but it's fine.

785
00:33:43,360 --> 00:33:45,360
Speaker 2: You know, it's a choice you make. You know, I

786
00:33:45,360 --> 00:33:47,440
Speaker 2: could probably enjoy something more, but i'd take a pay

787
00:33:47,440 --> 00:33:49,840
Speaker 2: cut of at least twenty thousand, if not more. I've

788
00:33:49,880 --> 00:33:51,600
Speaker 2: got friends who work in jobs that they love and

789
00:33:51,640 --> 00:33:53,200
Speaker 2: they're just not being paid enough.

790
00:33:53,400 --> 00:33:55,080
Speaker 4: Yeah, that really grinds my gear.

791
00:33:55,200 --> 00:33:57,280
Speaker 2: Yeah, And also, like I'm able to work four days

792
00:33:57,280 --> 00:33:59,720
Speaker 2: a week from home, which is invaluable. You know, it

793
00:33:59,760 --> 00:34:01,800
Speaker 2: means when i've got a late gig, I can just

794
00:34:01,880 --> 00:34:04,320
Speaker 2: sort of sleep in until two minutes before I start.

795
00:34:04,840 --> 00:34:08,319
Speaker 4: Yeah, Yeah, which is honestly necessary if you're running that

796
00:34:08,360 --> 00:34:09,440
Speaker 4: work life balance.

797
00:34:09,680 --> 00:34:09,879
Speaker 3: Yeah.

798
00:34:09,880 --> 00:34:12,359
Speaker 2: I was falling apart before the pandemic. And then you know,

799
00:34:12,520 --> 00:34:14,920
Speaker 2: it was just so nice how it just showed everyone

800
00:34:14,960 --> 00:34:17,319
Speaker 2: that these jobs that they insisted couldn't be done from

801
00:34:17,320 --> 00:34:19,400
Speaker 2: home absolutely could be done from home.

802
00:34:20,120 --> 00:34:22,680
Speaker 4: As it turns out, your employee no longer has an

803
00:34:22,719 --> 00:34:26,600
Speaker 4: excuse to say no, sorry, people are productive from home. Genuinely.

804
00:34:27,040 --> 00:34:29,399
Speaker 4: You put me at home, I'm way more productive because

805
00:34:29,440 --> 00:34:31,080
Speaker 4: I'm not distracted and I'm not.

806
00:34:31,040 --> 00:34:33,319
Speaker 2: As tired because yeah, I was just burning the candle

807
00:34:33,360 --> 00:34:36,280
Speaker 2: at both ends before and now I'm just I'm eating better,

808
00:34:36,320 --> 00:34:40,000
Speaker 2: I'm sleeping better. Yeah, my work life balance is it

809
00:34:40,239 --> 00:34:43,680
Speaker 2: somewhat existent? So yeah, I don't love my job, but

810
00:34:43,800 --> 00:34:46,760
Speaker 2: I appreciate what it brings to my life.

811
00:34:47,080 --> 00:34:49,560
Speaker 4: That's good. And I feel like that's refreshing to hear

812
00:34:49,719 --> 00:34:52,480
Speaker 4: as well, because I think so many times people are

813
00:34:52,480 --> 00:34:54,880
Speaker 4: always like, yep, love my job, and that's just not

814
00:34:54,960 --> 00:34:56,600
Speaker 4: relatable for absolutely everybody.

815
00:34:56,920 --> 00:34:58,839
Speaker 2: Yeah, and I think it can be really hard if

816
00:34:58,880 --> 00:35:00,719
Speaker 2: you have this message that like doing it right if

817
00:35:00,719 --> 00:35:03,000
Speaker 2: you don't love your job, it's okay. If anything, I'm

818
00:35:03,320 --> 00:35:05,400
Speaker 2: a socialist. I think it's a little perverse to you know,

819
00:35:05,520 --> 00:35:08,520
Speaker 2: love labor, to love love laboring.

820
00:35:08,800 --> 00:35:09,800
Speaker 4: Uh huh exactly.

821
00:35:10,000 --> 00:35:12,400
Speaker 2: But yeah, and I also enjoy that it's for the government.

822
00:35:12,400 --> 00:35:16,160
Speaker 2: You know, I've worked for some pretty iffy private companies before.

823
00:35:16,239 --> 00:35:18,400
Speaker 4: It's nice to have you done multi level marketing.

824
00:35:18,440 --> 00:35:20,080
Speaker 2: I haven't done multi level marketing, but you know, I've

825
00:35:20,120 --> 00:35:22,759
Speaker 2: done cold calling, I've done you know.

826
00:35:22,600 --> 00:35:24,799
Speaker 4: You know, all of that is fine.

827
00:35:24,640 --> 00:35:26,799
Speaker 2: Nothing I'm ashamed of, but it's you know, it's nice

828
00:35:26,840 --> 00:35:28,920
Speaker 2: to work for a government department that has a really

829
00:35:29,040 --> 00:35:32,840
Speaker 2: clear like function to do good for the community.

830
00:35:33,480 --> 00:35:35,719
Speaker 4: No, I think it's good. I think it's good. Let's

831
00:35:35,719 --> 00:35:38,279
Speaker 4: flip it and talk about your worst money habit. What

832
00:35:38,280 --> 00:35:39,000
Speaker 4: do you think that is?

833
00:35:39,080 --> 00:35:40,760
Speaker 2: I mean, it's definitely comedy.

834
00:35:42,160 --> 00:35:44,479
Speaker 4: I mean, not for me, maybe for you.

835
00:35:44,800 --> 00:35:46,720
Speaker 2: I mean, you know, it's just I guess you could

836
00:35:46,719 --> 00:35:50,239
Speaker 2: say it's financially responsible because it's costing me money, but

837
00:35:50,320 --> 00:35:53,239
Speaker 2: also it makes my life worth living. Honestly, I love it.

838
00:35:53,560 --> 00:35:57,120
Speaker 2: I find it creatively fulfilling. Like I had good friends

839
00:35:57,120 --> 00:36:01,840
Speaker 2: before comedy, but just the wonderful freaks I've met doing comedy.

840
00:36:01,960 --> 00:36:03,960
Speaker 4: You found your people, Yeah, and just people from.

841
00:36:03,840 --> 00:36:07,480
Speaker 2: Walks of life that I wouldn't necessarily have met otherwise

842
00:36:07,520 --> 00:36:10,440
Speaker 2: because they're just from all over the place, just united

843
00:36:10,480 --> 00:36:15,200
Speaker 2: by this insane thing that we like to do. So yeah,

844
00:36:15,239 --> 00:36:18,200
Speaker 2: it's I mean, my other bad money habit. I think,

845
00:36:18,280 --> 00:36:19,920
Speaker 2: looking at my bank statement, would have to just be

846
00:36:20,280 --> 00:36:23,680
Speaker 2: drinks out of the house. Alcohol is so expensive and

847
00:36:23,960 --> 00:36:25,520
Speaker 2: bad for you, and it's objective and.

848
00:36:25,520 --> 00:36:28,239
Speaker 4: It's actually just not socially acceptable to take a hip

849
00:36:28,239 --> 00:36:29,200
Speaker 4: flusk anymore.

850
00:36:29,280 --> 00:36:32,239
Speaker 2: They frown on it, Yeah, particularly when you're technically working there.

851
00:36:33,480 --> 00:36:34,440
Speaker 4: So yeah, I've heard that.

852
00:36:34,600 --> 00:36:36,880
Speaker 2: I think if I stopped, you know, buying a wine

853
00:36:36,880 --> 00:36:39,080
Speaker 2: at every gig that I was at, I'd probably i'd

854
00:36:39,080 --> 00:36:39,800
Speaker 2: be a millionaire.

855
00:36:40,640 --> 00:36:42,719
Speaker 4: I think they should be giving you a wine at

856
00:36:42,760 --> 00:36:43,360
Speaker 4: every event.

857
00:36:43,440 --> 00:36:45,160
Speaker 2: A lot of gigs are giving you it will give

858
00:36:45,160 --> 00:36:46,000
Speaker 2: you a wine.

859
00:36:45,680 --> 00:36:48,000
Speaker 4: But yeah, I feel like I'd need the wine to

860
00:36:48,040 --> 00:36:50,640
Speaker 4: get on the stage, like it's an investment from them

861
00:36:50,640 --> 00:36:51,040
Speaker 4: into you.

862
00:36:51,239 --> 00:36:53,600
Speaker 2: It does take the edge off, yeah, but also that

863
00:36:53,640 --> 00:36:57,120
Speaker 2: classic thing of you just end up socializing in pubs

864
00:36:57,120 --> 00:37:00,319
Speaker 2: and stuff, and boy has that gotten expensive fast. I'm

865
00:37:00,320 --> 00:37:01,719
Speaker 2: trying it now that the weather's going to be nicer.

866
00:37:01,760 --> 00:37:03,360
Speaker 2: I'm trying to do a lot more Park Hans.

867
00:37:04,080 --> 00:37:07,680
Speaker 4: Yeah, that's fair, that's very fair. Money diarist, I feel

868
00:37:07,680 --> 00:37:09,880
Speaker 4: like we've had a really good chat. I have loved

869
00:37:09,960 --> 00:37:12,919
Speaker 4: learning more about you and your story, and you said

870
00:37:12,920 --> 00:37:15,239
Speaker 4: that your money habits are a C plus at the start.

871
00:37:15,280 --> 00:37:16,920
Speaker 4: I want to know about that because I feel like

872
00:37:16,960 --> 00:37:19,680
Speaker 4: we've learned a lot about work life balance. I feel

873
00:37:19,680 --> 00:37:21,960
Speaker 4: like you've got your head screwed on really well. You're like, no,

874
00:37:22,080 --> 00:37:24,000
Speaker 4: I took a step back in a job to kind

875
00:37:24,000 --> 00:37:26,719
Speaker 4: of move forward. I've got a lot of strategy around this, Like,

876
00:37:27,360 --> 00:37:30,520
Speaker 4: I have loved this, But why do you think you're

877
00:37:30,560 --> 00:37:32,000
Speaker 4: a C plus? Tell me about that.

878
00:37:32,040 --> 00:37:34,600
Speaker 2: Well, when it comes to incoming money, I think I'm

879
00:37:35,160 --> 00:37:38,359
Speaker 2: you know, a mins. But when it comes to outgoings,

880
00:37:38,440 --> 00:37:41,840
Speaker 2: I consciously don't use a budget. I think I could

881
00:37:41,880 --> 00:37:44,760
Speaker 2: really tighten things up a lot if I used a budget.

882
00:37:45,360 --> 00:37:48,000
Speaker 2: I just there's too much to keep track of, and

883
00:37:48,040 --> 00:37:51,840
Speaker 2: so I really my budgeting system is just vibes based

884
00:37:51,880 --> 00:37:52,880
Speaker 2: At the moment, it's.

885
00:37:52,760 --> 00:37:55,600
Speaker 4: Just it's vibes. How do you budget? It's based on

886
00:37:55,680 --> 00:37:56,200
Speaker 4: the vibe.

887
00:37:56,200 --> 00:37:58,640
Speaker 2: It's the vibe. I pay off my credit card, I

888
00:37:58,760 --> 00:38:01,320
Speaker 2: try and because my mortgage comes out of my offset.

889
00:38:01,320 --> 00:38:03,759
Speaker 2: I try and put, you know, a little bit more

890
00:38:03,800 --> 00:38:06,920
Speaker 2: than what the mortgageory payments are going to be that

891
00:38:07,120 --> 00:38:10,400
Speaker 2: fortnite into the offset. It doesn't always make it, depending

892
00:38:10,440 --> 00:38:12,520
Speaker 2: on what my expenses have been. You know, I don't

893
00:38:12,719 --> 00:38:15,200
Speaker 2: use a bucket system. I just have one. I have

894
00:38:15,239 --> 00:38:17,360
Speaker 2: a credit card and then one account for everything. I

895
00:38:17,440 --> 00:38:20,600
Speaker 2: don't manage my money very well, which is and I

896
00:38:21,440 --> 00:38:23,319
Speaker 2: know all the ways that I could be managing it better.

897
00:38:23,400 --> 00:38:26,479
Speaker 2: I have the financial literacy, I have the tools. I

898
00:38:26,640 --> 00:38:29,640
Speaker 2: just I'm just tired. I don't I'm just.

899
00:38:29,760 --> 00:38:32,640
Speaker 4: Tired, Victoria. I get it, I get it. I'm going

900
00:38:32,719 --> 00:38:34,680
Speaker 4: to try and help. I don't know if this is

901
00:38:34,680 --> 00:38:36,719
Speaker 4: something you even want, but I'm going to gift you

902
00:38:36,800 --> 00:38:40,880
Speaker 4: my money masterclock. So it's automated. So like I know,

903
00:38:40,960 --> 00:38:43,480
Speaker 4: we're all tired, we're all over it, right, Like we

904
00:38:43,560 --> 00:38:46,239
Speaker 4: don't want to do heaps of work. But if you

905
00:38:46,239 --> 00:38:49,200
Speaker 4: can put in what you get paid, you can put in,

906
00:38:49,239 --> 00:38:51,640
Speaker 4: you know, some of your expenses, it will do all

907
00:38:51,640 --> 00:38:54,040
Speaker 4: of the hard work for you. Like it literally will

908
00:38:54,080 --> 00:38:56,719
Speaker 4: tell you, okay, money, dirist, this is how much you

909
00:38:56,760 --> 00:38:59,440
Speaker 4: need to put into your offset account. And this is

910
00:38:59,480 --> 00:39:01,560
Speaker 4: going to help you to do X, Y and Z.

911
00:39:01,719 --> 00:39:02,640
Speaker 4: It will show you like.

912
00:39:02,680 --> 00:39:05,000
Speaker 2: Yeah, and I have a set salary. I've got no excuse.

913
00:39:05,880 --> 00:39:08,440
Speaker 4: And I feel like budgeting can be overwhelming, and I've

914
00:39:08,440 --> 00:39:10,279
Speaker 4: tried to make it not And I mean, if you're

915
00:39:10,280 --> 00:39:12,280
Speaker 4: already in the Shechese on the Money community, you'll probably

916
00:39:12,280 --> 00:39:14,880
Speaker 4: appreciate the videos and stuff in there. But I'm not

917
00:39:14,920 --> 00:39:17,759
Speaker 4: gonna lie. The most powerful part is that budgeting cash

918
00:39:17,760 --> 00:39:20,959
Speaker 4: flow system that's basically automated for you. And I've also

919
00:39:21,120 --> 00:39:24,200
Speaker 4: built into it which you might find fun or like motivating.

920
00:39:24,560 --> 00:39:27,319
Speaker 4: It's got a debt repayment calculator, so you can put

921
00:39:27,320 --> 00:39:29,919
Speaker 4: in your mortgage and then play around with how many

922
00:39:30,000 --> 00:39:32,440
Speaker 4: years it will take off your mortgage if you like

923
00:39:32,560 --> 00:39:35,640
Speaker 4: added an extra like thirty bucks or whatever. And I

924
00:39:35,719 --> 00:39:36,479
Speaker 4: just think that's fun.

925
00:39:36,560 --> 00:39:38,200
Speaker 2: That is very motivating. Yeah.

926
00:39:38,320 --> 00:39:40,279
Speaker 4: Yeah, and you've got to keep you hooked, you know,

927
00:39:40,520 --> 00:39:43,000
Speaker 4: like budgeting is boring, I've got to give you some

928
00:39:43,040 --> 00:39:46,120
Speaker 4: pretty shiny things along the way, So I've tried to

929
00:39:46,160 --> 00:39:48,840
Speaker 4: make it a very esthetic budget as well. I love it,

930
00:39:48,960 --> 00:39:51,319
Speaker 4: Money Diarist. I have adored this. This has been a

931
00:39:51,320 --> 00:39:54,520
Speaker 4: really fun chat, I especially, and you probably didn't see

932
00:39:54,560 --> 00:39:56,640
Speaker 4: this coming, but I especially love you saying that you

933
00:39:56,800 --> 00:39:58,799
Speaker 4: just don't love your job, but it does the job

934
00:39:58,880 --> 00:40:00,919
Speaker 4: to get you the lifestyle that you want to live.

935
00:40:01,239 --> 00:40:04,000
Speaker 4: And I think that's so relatable and just such a

936
00:40:04,040 --> 00:40:08,080
Speaker 4: good message because I think there's this toxic positivity that

937
00:40:08,120 --> 00:40:10,479
Speaker 4: floats around about having to love your job and having

938
00:40:10,520 --> 00:40:15,080
Speaker 4: to be the best in everything, and it's just refreshing. Okay,

939
00:40:15,160 --> 00:40:17,640
Speaker 4: I just love it. But I know that you think

940
00:40:17,640 --> 00:40:20,640
Speaker 4: you're a C plus, but I mean a money coming

941
00:40:20,680 --> 00:40:23,719
Speaker 4: in C plus money going out. I like that methodology

942
00:40:23,760 --> 00:40:27,160
Speaker 4: as well, like we don't have to nail everything. But

943
00:40:27,680 --> 00:40:29,680
Speaker 4: I've loved this. I know the community will love this

944
00:40:29,800 --> 00:40:32,080
Speaker 4: as well. Thank you so much for joining us.

945
00:40:32,120 --> 00:40:33,120
Speaker 2: Thank you for having me.

946
00:40:39,080 --> 00:40:41,600
Speaker 4: The advice shared on She's on the Money is general

947
00:40:41,680 --> 00:40:45,520
Speaker 4: in nature and does not consider your individual circumstances. She's

948
00:40:45,560 --> 00:40:49,040
Speaker 4: on the Money exists purely for educational purposes and should

949
00:40:49,040 --> 00:40:52,240
Speaker 4: not be relied upon to make an investment or financial decision.

950
00:40:52,600 --> 00:40:55,080
Speaker 4: If you do choose to buy a financial product, read

951
00:40:55,080 --> 00:40:59,200
Speaker 4: the PDS TMD and obtain appropriate financial advice tailored towards

952
00:40:59,280 --> 00:41:02,560
Speaker 4: your needs. Victoria Divine and She's on the Money are

953
00:41:02,600 --> 00:41:06,200
Speaker 4: authorized representatives of Money sherper P t y lt d

954
00:41:06,440 --> 00:41:09,160
Speaker 4: A b N three two one six four nine two

955
00:41:09,280 --> 00:41:12,239
Speaker 4: seven seven zero eight a F s L four five

956
00:41:12,320 --> 00:41:14,200
Speaker 4: one two eight nine